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   526,537 3,252 SH   SOLE   3,252 0 0
ABBVIE INC COM 00287Y109   256,170 1,018 SH   SOLE   1,018 0 0
AFLAC INC COM 001055102   527,156 4,496 SH   SOLE   4,496 0 0
ALTRIA GROUP INC COM 02209S103   352,555 4,900 SH   SOLE   4,900 0 0
AMERICAN EXPRESS CO COM 025816109   947,150 2,800 SH   SOLE   2,800 0 0
AMGEN INC COM 031162100   508,964 1,406 SH   SOLE   1,406 0 0
APPLE INC COM 037833100   1,797,577 6,212 SH   SOLE   6,212 0 0
BANK NEW YORK MELLON COR COM 064058100   1,475,022 10,200 SH   SOLE   10,200 0 0
BANK OF AMERICA CORP COM 060505104   317,550 5,573 SH   SOLE   5,573 0 0
BERKSHIRE HATHAWAY CLASS B COM 084670702   620,984 1,241 SH   SOLE   1,241 0 0
BOEING CO COM 097023105   546,803 2,526 SH   SOLE   2,526 0 0
BP P L C FSPONSORED ADR 1 ADR REPS 6 ORD SHS ADR 055622104   235,113 6,363 SH   SOLE   6,363 0 0
CATERPILLAR INC COM 149123101   2,808,342 2,637 SH   SOLE   2,637 0 0
CHEVRON CORP NEW COM 166764100   485,099 2,927 SH   SOLE   2,927 0 0
CISCO SYS INC COM 17275R102   1,404,654 11,959 SH   SOLE   11,959 0 0
CITIGROUP INC COM 172967424   466,627 3,334 SH   SOLE   3,334 0 0
CSX CORP COM 126408103   1,510,028 31,770 SH   SOLE   31,770 0 0
CVS HEALTH CORP COM 126650100   212,797 2,057 SH   SOLE   2,057 0 0
DISNEY WALT CO COM 254687106   418,410 4,347 SH   SOLE   4,347 0 0
DOW INC COM 260557103   223,361 8,164 SH   SOLE   8,164 0 0
ELME COMMUNITIES REIT REIT RET 939653101   32,169 21,736 SH   SOLE   21,736 0 0
ESSEX PPTY TR INC REIT RET 297178105   365,800 1,255 SH   SOLE   1,255 0 0
EXXON MOBIL CORP COM 30231G102   549,492 4,019 SH   SOLE   4,019 0 0
FIRST CTZNS BANCSHARES ICLASS A COM 31946M103   266,341 128 SH   SOLE   128 0 0
FORD MTR CO DEL COM 345370860   142,253 10,234 SH   SOLE   10,234 0 0
FRANKLIN FTSE ASIA EX JAPAN ETF UIE 35473P660   1,022,646 27,437 SH   SOLE   27,437 0 0
FRANKLIN FTSE CANADA ETF UIE 35473P827   634,644 12,330 SH   SOLE   12,330 0 0
FRANKLIN FTSE INDIA ETF UIE 35473P769   311,735 8,764 SH   SOLE   8,764 0 0
FRANKLIN FTSE JAPAN ETF UIE 35473P744   453,548 11,410 SH   SOLE   11,410 0 0
FRANKLIN FTSE LATIN AMERICA ETF UIE 35473P561   442,664 16,698 SH   SOLE   16,698 0 0
GE AEROSPACE COM 369604301   1,377,195 3,685 SH   SOLE   3,685 0 0
GE VERNOVA INC COM 36828A101   1,082,046 921 SH   SOLE   921 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   1,411,822 1,396 SH   SOLE   1,396 0 0
GSK PLC ADR F ADR 37733W204   715,900 13,657 SH   SOLE   13,657 0 0
HALEON PLC F ADR 405552100   159,291 17,073 SH   SOLE   17,073 0 0
HOME DEPOT INC COM 437076102   784,569 2,225 SH   SOLE   2,225 0 0
HONEYWELL AEROSPACE INC COM 43849R105   847,400 3,833 SH   SOLE   3,833 0 0
HONEYWELL INTL INC COM 438516205   858,209 3,833 SH   SOLE   3,833 0 0
IBM CORP COM 459200101   3,298,881 11,731 SH   SOLE   11,731 0 0
INTEL CORP COM 458140100   2,426,420 17,378 SH   SOLE   17,378 0 0
INTERNTNL PAPER CO COM 460146103   267,462 7,020 SH   SOLE   7,020 0 0
INVESCO INDIA ETF UIE 46137R109   329,191 16,402 SH   SOLE   16,402 0 0
ISHARES CHINA LARGE-CAP ETF UIE 464287184   418,334 13,243 SH   SOLE   13,243 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF UIE 46434G103   646,121 7,800 SH   SOLE   7,800 0 0
ISHARES CORE MSCI PACIFIC ETF UIE 46434V696   761,546 9,295 SH   SOLE   9,295 0 0
ISHARES CORE MSCI EUROPEETF UIE 46434V738   311,805 4,148 SH   SOLE   4,148 0 0
ISHARES EUROPE ETF UIE 464287861   315,222 4,327 SH   SOLE   4,327 0 0
ISHARES J.P. MORGAN EM HIGH YIELD BOND ETF UIE 464286285   427,491 10,513 SH   SOLE   10,513 0 0
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF UIE 464288281   798,996 8,285 SH   SOLE   8,285 0 0
ISHARES LATIN AMERICA 40ETF UIE 464287390   1,257,021 37,245 SH   SOLE   37,245 0 0
ISHARES MBS ETF UIE 464288588   232,330 2,458 SH   SOLE   2,458 0 0
ISHARES MSCI ALL COUNTRYASIA EX JAPAN ETF UIE 464288182   428,633 3,592 SH   SOLE   3,592 0 0
ISHARES MSCI CANADA ETF UIE 464286509   280,649 4,869 SH   SOLE   4,869 0 0
ISHARES MSCI CHINA ETF UIE 46429B671   262,728 5,149 SH   SOLE   5,149 0 0
ISHARES MSCI EAFE ETF UIE 464287465   318,704 3,068 SH   SOLE   3,068 0 0
ISHARES MSCI EAFE GROWTHETF UIE 464288885   293,382 2,358 SH   SOLE   2,358 0 0
ISHARES MSCI EMERGING MARKETS ASIA ETF UIE 464286426   700,707 5,991 SH   SOLE   5,991 0 0
ISHARES MSCI INDIA ETF UIE 46429B598   328,740 6,656 SH   SOLE   6,656 0 0
ISHARES MSCI JAPAN SMALL-CAP ETF UIE 464286582   592,895 5,630 SH   SOLE   5,630 0 0
ISHARES MSCI JAPAN ETF UIE 46434G822   380,821 4,083 SH   SOLE   4,083 0 0
ISHARES MSCI PACIFIC EX JAPAN ETF UIE 464286665   434,761 8,163 SH   SOLE   8,163 0 0
JOHNSON & JOHNSON COM 478160104   951,871 3,748 SH   SOLE   3,748 0 0
JPMORGAN BETABUILDERS CANADA ETF UIE 46641Q225   1,047,709 10,540 SH   SOLE   10,540 0 0
JPMORGAN BETABUILDERS EUROPE ETF UIE 46641Q191   827,651 10,642 SH   SOLE   10,642 0 0
JPMORGAN BETABUILDERS JAPAN ETF UIE 46641Q217   408,406 5,423 SH   SOLE   5,423 0 0
JPMORGAN CHASE & CO COM 46625H100   1,824,508 5,574 SH   SOLE   5,574 0 0
KIMCO RLTY CORP REIT RET 49446R109   277,400 10,943 SH   SOLE   10,943 0 0
MARRIOTT INTL INC NEW CLASS A COM 571903202   274,237 740 SH   SOLE   740 0 0
MARSH & MCLENNAN COS INC COM 571748102   250,005 1,500 SH   SOLE   1,500 0 0
MCDONALDS CORP COM 580135101   671,789 2,485 SH   SOLE   2,485 0 0
MERCK & CO. INC. COM 58933Y105   943,288 7,341 SH   SOLE   7,341 0 0
MICROSOFT CORP COM 594918104   1,566,631 4,200 SH   SOLE   4,200 0 0
PHILIP MORRIS INTL INC COM 718172109   886,459 4,900 SH   SOLE   4,900 0 0
PPL CORP COM 69351T106   367,135 10,100 SH   SOLE   10,100 0 0
PROCTER & GAMBLE CO COM 742718109   1,472,563 10,042 SH   SOLE   10,042 0 0
PROLOGIS INC REIT RET 74340W103   378,639 2,795 SH   SOLE   2,795 0 0
RTX CORP COM 75513E101   441,572 2,327 SH   SOLE   2,327 0 0
SCHWAB EMERGING MARKETS EQUITY ETF UIE 808524706   479,638 13,228 SH   SOLE   13,228 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF UIE 808524888   936,008 19,452 SH   SOLE   19,452 0 0
SCHWAB U.S. LARGE-CAP GROWTH ETF UIE 808524300   467,804 13,824 SH   SOLE   13,824 0 0
SCHWAB U.S. SMALL-CAP ETF UIE 808524607   958,772 26,537 SH   SOLE   26,537 0 0
SIMON PPTY GROUP INC NEWREIT RET 828806109   756,608 3,383 SH   SOLE   3,383 0 0
STATE STREET SPDR BLOOMBERG HIGH YIELD BOND ETF UIE 78468R622   472,682 4,905 SH   SOLE   4,905 0 0
STATE STREET SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF UIE 78463X889   344,718 6,841 SH   SOLE   6,841 0 0
STATE STREET SPDR PORTFOLIO HIGH YIELD BOND ETF UIE 78468R606   539,055 22,997 SH   SOLE   22,997 0 0
STATE STREET SPDR S&P CHINA ETF UIE 78463X400   790,961 9,142 SH   SOLE   9,142 0 0
STATE STREET SPDR S&P EMERGING ASIA PACIFIC ETF UIE 78463X301   582,305 3,710 SH   SOLE   3,710 0 0
THE COCA-COLA CO COM 191216100   684,751 8,426 SH   SOLE   8,426 0 0
TRAVELERS COS INC COM 89417E109   1,316,112 3,987 SH   SOLE   3,987 0 0
UMH PPTYS INC REIT RET 903002103   175,798 11,612 SH   SOLE   11,612 0 0
UNION PAC CORP COM 907818108   652,800 2,400 SH   SOLE   2,400 0 0
UNITEDHEALTH GROUP INC COM 91324P102   855,491 2,058 SH   SOLE   2,058 0 0
VANECK AFRICA INDEX ETF UIE 92189F866   601,637 23,410 SH   SOLE   23,410 0 0
VANECK EMERGING MARKETS HIGH YIELD BOND ETF UIE 92189F353   340,452 16,930 SH   SOLE   16,930 0 0
VANGUARD EMERGING MARKETS GOVERNMENT BOND INDEX FUND ETF SHARES UIE 921946885   1,146,051 17,044 SH   SOLE   17,044 0 0
VANGUARD EXTENDED MARKETINDEX FUND ETF SHARES UIE 922908652   1,633,081 6,633 SH   SOLE   6,633 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF SHARES UIE 922042718   804,159 5,212 SH   SOLE   5,212 0 0
VANGUARD FTSE DEVELOPED MARKETS INDEX FUND ETF SHARES UIE 921943858   505,091 7,089 SH   SOLE   7,089 0 0
VANGUARD FTSE EMERGING MARKETS INDEX FUND ETF SHARES UIE 922042858   330,026 5,529 SH   SOLE   5,529 0 0
VANGUARD FTSE EUROPE ETF UIE 922042874   820,785 9,270 SH   SOLE   9,270 0 0
VANGUARD FTSE PACIFIC INDEX FUND ETF SHARES UIE 922042866   810,709 7,008 SH   SOLE   7,008 0 0
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX FUND ETF SHARES UIE 922042676   599,754 13,372 SH   SOLE   13,372 0 0
VANGUARD MID-CAP INDEX FUND ETF SHARES UIE 922908629   1,722,389 21,378 SH   SOLE   21,378 0 0
VANGUARD MORTGAGE-BACKEDSECURITIES INDEX FUND ETF SHARES UIE 92206C771   236,438 5,051 SH   SOLE   5,051 0 0
VANGUARD S&P 500 ETF UIE 922908363   938,456 1,366 SH   SOLE   1,366 0 0
VANGUARD SMALL-CAP INDEXFUND ETF SHARES UIE 922908751   4,346,221 14,338 SH   SOLE   14,338 0 0
VANGUARD TOTAL INTERNATIONAL BOND INDEXFUND ETF SHARES UIE 92203J407   209,605 4,328 SH   SOLE   4,328 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF SHARES UIE 922908769   2,989,356 8,078 SH   SOLE   8,078 0 0
VERIZON COMMUNICATIONS I COM 92343V104   627,136 14,812 SH   SOLE   14,812 0 0
VISA INC CLASS A COM 92826C839   925,210 2,697 SH   SOLE   2,697 0 0
VORNADO RLTY TR REIT RET 929042109   212,256 5,401 SH   SOLE   5,401 0 0
WALMART INC COM 931142103   2,116,520 18,687 SH   SOLE   18,687 0 0
WELLTOWER INC REIT RET 95040Q104   224,473 989 SH   SOLE   989 0 0