The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   472,293 3,252 SH   SOLE   3,252 0 0
ABBVIE INC COM 00287Y109   221,405 1,018 SH   SOLE   1,018 0 0
AFLAC INC COM 001055102   493,256 4,496 SH   SOLE   4,496 0 0
ALTRIA GROUP INC COM 02209S103   323,351 4,900 SH   SOLE   4,900 0 0
AMERICAN EXPRESS CO COM 025816109   846,989 2,800 SH   SOLE   2,800 0 0
AMGEN INC COM 031162100   494,529 1,406 SH   SOLE   1,406 0 0
APPLE INC COM 037833100   1,576,607 6,212 SH   SOLE   6,212 0 0
AT&T INC COM 00206R102   271,146 9,353 SH   SOLE   9,353 0 0
BANK NEW YORK MELLON COR COM 064058100   1,210,026 10,200 SH   SOLE   10,200 0 0
BANK OF AMERICA CORP COM 060505104   271,684 5,573 SH   SOLE   5,573 0 0
BERKSHIRE HATHAWAY CLASS B COM 084670702   594,687 1,241 SH   SOLE   1,241 0 0
BOEING CO COM 097023105   502,750 2,526 SH   SOLE   2,526 0 0
BP P L C FSPONSORED ADR 1 ADR REPS 6 ORD SHS ADR 055622104   299,061 6,363 SH   SOLE   6,363 0 0
CATERPILLAR INC COM 149123101   1,868,343 2,637 SH   SOLE   2,637 0 0
CHEVRON CORP NEW COM 166764100   605,496 2,927 SH   SOLE   2,927 0 0
CISCO SYS INC COM 17275R102   927,866 11,959 SH   SOLE   11,959 0 0
CITIGROUP INC COM 172967424   378,109 3,334 SH   SOLE   3,334 0 0
CSX CORP COM 126408103   1,304,158 31,770 SH   SOLE   31,770 0 0
DISNEY WALT CO COM 254687106   418,976 4,347 SH   SOLE   4,347 0 0
DOW INC COM 260557103   339,815 8,159 SH   SOLE   8,159 0 0
ELME COMMUNITIES REIT REIT RET 939653101   43,690 21,736 SH   SOLE   21,736 0 0
ESSEX PPTY TR INC REIT RET 297178105   303,589 1,254 SH   SOLE   1,254 0 0
EXXON MOBIL CORP COM 30231G102   681,881 4,019 SH   SOLE   4,019 0 0
FIRST CTZNS BANCSHARES ICLASS CLASS A COM 31946M103   241,236 128 SH   SOLE   128 0 0
FORD MTR CO DEL COM 345370860   118,100 10,234 SH   SOLE   10,234 0 0
FRANKLIN FTSE ASIA EX JAPAN ETF UIE 35473P660   838,479 27,437 SH   SOLE   27,437 0 0
FRANKLIN FTSE CANADA ETF UIE 35473P827   603,448 12,330 SH   SOLE   12,330 0 0
FRANKLIN FTSE INDIA ETF UIE 35473P769   291,140 8,764 SH   SOLE   8,764 0 0
FRANKLIN FTSE JAPAN ETF UIE 35473P744   412,814 11,410 SH   SOLE   11,410 0 0
FRANKLIN FTSE LATIN AMERICA ETF UIE 35473P561   472,219 16,698 SH   SOLE   16,698 0 0
GE AEROSPACE COM 369604301   1,045,692 3,685 SH   SOLE   3,685 0 0
GE VERNOVA INC COM 36828A101   803,941 921 SH   SOLE   921 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   1,180,960 1,396 SH   SOLE   1,396 0 0
GSK PLC ADR FSPONSORED ADR 1 ADR REPS 2 ORD SHS ADR 37733W204   753,730 13,657 SH   SOLE   13,657 0 0
HALEON PLC FSPONSORED ADR 1 ADR REPS 2 ORD SHS ADR 405552100   170,901 17,073 SH   SOLE   17,073 0 0
HOME DEPOT INC COM 437076102   731,646 2,225 SH   SOLE   2,225 0 0
HONEYWELL INTL INC COM 438516106   1,733,072 7,667 SH   SOLE   7,667 0 0
IBM CORP COM 459200101   2,843,483 11,731 SH   SOLE   11,731 0 0
INTEL CORP COM 458140100   766,869 17,378 SH   SOLE   17,378 0 0
INTERNTNL PAPER CO COM 460146103   250,614 7,020 SH   SOLE   7,020 0 0
INVESCO INDIA ETF UIE 46137R109   336,736 16,402 SH   SOLE   16,402 0 0
ISHARES CHINA LARGE-CAP ETF UIE 464287184   474,549 13,219 SH   SOLE   13,219 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF UIE 46434G103   544,024 7,800 SH   SOLE   7,800 0 0
ISHARES CORE MSCI PACIFIC ETF UIE 46434V696   709,721 9,276 SH   SOLE   9,276 0 0
ISHARES CORE MSCI EUROPEETF UIE 46434V738   291,480 4,148 SH   SOLE   4,148 0 0
ISHARES EUROPE ETF UIE 464287861   293,976 4,327 SH   SOLE   4,327 0 0
ISHARES J.P. MORGAN EM HIGH YIELD BOND ETF UIE 464286285   413,982 10,512 SH   SOLE   10,512 0 0
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF UIE 464288281   776,881 8,271 SH   SOLE   8,271 0 0
ISHARES LATIN AMERICA 40ETF UIE 464287390   1,321,110 37,193 SH   SOLE   37,193 0 0
ISHARES MBS ETF UIE 464288588   233,387 2,458 SH   SOLE   2,458 0 0
ISHARES MSCI ALL COUNTRYASIA EX JAPAN ETF UIE 464288182   345,874 3,592 SH   SOLE   3,592 0 0
ISHARES MSCI CANADA ETF UIE 464286509   266,773 4,869 SH   SOLE   4,869 0 0
ISHARES MSCI CHINA ETF UIE 46429B671   289,271 5,149 SH   SOLE   5,149 0 0
ISHARES MSCI EAFE ETF UIE 464287465   297,995 3,068 SH   SOLE   3,068 0 0
ISHARES MSCI EAFE GROWTHETF UIE 464288885   262,610 2,358 SH   SOLE   2,358 0 0
ISHARES MSCI EMERGING MARKETS ASIA ETF UIE 464286426   573,548 5,991 SH   SOLE   5,991 0 0
ISHARES MSCI INDIA ETF UIE 46429B598   311,767 6,656 SH   SOLE   6,656 0 0
ISHARES MSCI JAPAN SMALL-CAP ETF UIE 464286582   546,560 5,630 SH   SOLE   5,630 0 0
ISHARES MSCI JAPAN ETF UIE 46434G822   344,769 4,083 SH   SOLE   4,083 0 0
ISHARES MSCI PACIFIC EX JAPAN ETF UIE 464286665   433,782 8,163 SH   SOLE   8,163 0 0
JOHNSON & JOHNSON COM 478160104   916,153 3,748 SH   SOLE   3,748 0 0
JPMORGAN BETABUILDERS CANADA ETF UIE 46641Q225   991,424 10,540 SH   SOLE   10,540 0 0
JPMORGAN BETABUILDERS EUROPE ETF UIE 46641Q191   770,608 10,642 SH   SOLE   10,642 0 0
JPMORGAN BETABUILDERS JAPAN ETF UIE 46641Q217   373,699 5,423 SH   SOLE   5,423 0 0
JPMORGAN CHASE & CO COM 46625H100   1,638,277 5,569 SH   SOLE   5,569 0 0
KIMCO RLTY CORP REIT RET 49446R109   245,573 10,929 SH   SOLE   10,929 0 0
MARRIOTT INTL INC NEW CLASS CLASS A COM 571903202   242,032 740 SH   SOLE   740 0 0
MARSH & MCLENNAN COS INC COM 571748102   260,175 1,500 SH   SOLE   1,500 0 0
MCDONALDS CORP COM 580135101   772,392 2,485 SH   SOLE   2,485 0 0
MERCK & CO. INC. COM 58933Y105   883,020 7,341 SH   SOLE   7,341 0 0
MICROSOFT CORP COM 594918104   1,554,661 4,200 SH   SOLE   4,200 0 0
NIKE INC CLASS CLASS B COM 654106103   230,537 4,365 SH   SOLE   4,365 0 0
PHILIP MORRIS INTL INC COM 718172109   810,166 4,900 SH   SOLE   4,900 0 0
PPL CORP COM 69351T106   385,820 10,100 SH   SOLE   10,100 0 0
PROCTER & GAMBLE CO COM 742718109   1,450,471 10,042 SH   SOLE   10,042 0 0
PROLOGIS INC REIT RET 74340W103   369,443 2,795 SH   SOLE   2,795 0 0
RTX CORP COM 75513E101   448,950 2,327 SH   SOLE   2,327 0 0
SCHWAB EMERGING MARKETS EQUITY ETF UIE 808524706   435,854 13,228 SH   SOLE   13,228 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF UIE 808524888   908,831 19,444 SH   SOLE   19,444 0 0
SCHWAB U.S. LARGE-CAP GROWTH ETF UIE 808524300   402,693 13,824 SH   SOLE   13,824 0 0
SCHWAB U.S. SMALL-CAP ETF UIE 808524607   771,688 26,537 SH   SOLE   26,537 0 0
SIMON PPTY GROUP INC NEWREIT RET 828806109   631,031 3,383 SH   SOLE   3,383 0 0
STATE STREET SPDR BLOOMBERG HIGH YIELD BOND ETF UIE 78468R622   469,494 4,905 SH   SOLE   4,905 0 0
STATE STREET SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF UIE 78463X889   312,292 6,841 SH   SOLE   6,841 0 0
STATE STREET SPDR PORTFOLIO HIGH YIELD BOND ETF UIE 78468R606   531,916 22,809 SH   SOLE   22,809 0 0
STATE STREET SPDR S&P CHINA ETF UIE 78463X400   850,744 9,136 SH   SOLE   9,136 0 0
STATE STREET SPDR S&P EMERGING ASIA PACIFIC ETF UIE 78463X301   504,668 3,707 SH   SOLE   3,707 0 0
THE COCA-COLA CO COM 191216100   640,769 8,426 SH   SOLE   8,426 0 0
TRAVELERS COS INC COM 89417E109   1,162,861 3,987 SH   SOLE   3,987 0 0
UMH PPTYS INC REIT RET 903002103   167,554 11,612 SH   SOLE   11,612 0 0
UNION PAC CORP COM 907818108   582,288 2,400 SH   SOLE   2,400 0 0
UNITEDHEALTH GROUP INC COM 91324P102   556,865 2,058 SH   SOLE   2,058 0 0
VANECK AFRICA INDEX ETF UIE 92189F866   602,808 23,410 SH   SOLE   23,410 0 0
VANECK EMERGING MARKETS HIGH YIELD BOND ETF UIE 92189F353   334,019 16,930 SH   SOLE   16,930 0 0
VANGUARD EMERGING MARKETS GOVERNMENT BOND INDEX FUND ETF SHARES UIE 921946885   1,118,177 17,022 SH   SOLE   17,022 0 0
VANGUARD EXTENDED MARKETINDEX FUND ETF SHARES UIE 922908652   1,365,046 6,633 SH   SOLE   6,633 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF SHARES UIE 922042718   759,857 5,212 SH   SOLE   5,212 0 0
VANGUARD FTSE DEVELOPED MARKETS INDEX FUND ETF SHARES UIE 921943858   454,263 7,089 SH   SOLE   7,089 0 0
VANGUARD FTSE EMERGING MARKETS INDEX FUND ETF SHARES UIE 922042858   298,842 5,529 SH   SOLE   5,529 0 0
VANGUARD FTSE EUROPE ETF UIE 922042874   764,144 9,270 SH   SOLE   9,270 0 0
VANGUARD FTSE PACIFIC INDEX FUND ETF SHARES UIE 922042866   684,852 7,008 SH   SOLE   7,008 0 0
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX FUND ETF SHARES UIE 922042676   594,405 13,372 SH   SOLE   13,372 0 0
VANGUARD MID-CAP INDEX FUND ETF SHARES UIE 922908629   1,534,846 5,345 SH   SOLE   5,345 0 0
VANGUARD MORTGAGE-BACKEDSECURITIES INDEX FUND ETF SHARES UIE 92206C771   237,145 5,051 SH   SOLE   5,051 0 0
VANGUARD S&P 500 ETF UIE 922908363   816,491 1,366 SH   SOLE   1,366 0 0
VANGUARD SMALL-CAP INDEXFUND ETF SHARES UIE 922908751   3,755,457 14,338 SH   SOLE   14,338 0 0
VANGUARD TOTAL INTERNATIONAL BOND INDEXFUND ETF SHARES UIE 92203J407   207,960 4,328 SH   SOLE   4,328 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF SHARES UIE 922908769   2,591,653 8,078 SH   SOLE   8,078 0 0
VERIZON COMMUNICATIONS I COM 92343V104   743,359 14,808 SH   SOLE   14,808 0 0
VISA INC CLASS CLASS A COM 92826C839   815,050 2,697 SH   SOLE   2,697 0 0
WALMART INC COM 931142103   2,322,454 18,687 SH   SOLE   18,687 0 0