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
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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   533,822 3,252 SH   SOLE   3,252 0 0
ABBVIE INC COM 00287Y109   266,299 1,018 SH   SOLE   1,018 0 0
AFLAC INC COM 001055102   502,563 4,496 SH   SOLE   4,496 0 0
ALTRIA GROUP INC COM 02209S103   329,966 4,900 SH   SOLE   4,900 0 0
AMERICAN EXPRESS CO COM 025816109   851,525 2,800 SH   SOLE   2,800 0 0
AMGEN INC COM 031162100   592,437 1,406 SH   SOLE   1,406 0 0
APPLE INC COM 037833100   2,068,804 6,212 SH   SOLE   6,212 0 0
AT&T INC COM 00206R102   228,384 9,360 SH   SOLE   9,360 0 0
BANK NEW YORK MELLON COR COM 064058100   1,475,226 10,200 SH   SOLE   10,200 0 0
BANK OF AMERICA CORP COM 060505104   303,338 5,573 SH   SOLE   5,573 0 0
BERKSHIRE HATHAWAY CLASS CLASS B COM 084670702   617,956 1,241 SH   SOLE   1,241 0 0
BOEING CO COM 097023105   469,962 2,526 SH   SOLE   2,526 0 0
BP P L C FSPONSORED ADR 1 ADR REPS 6 ORD SHS ADR 055622104   279,908 6,363 SH   SOLE   6,363 0 0
CATERPILLAR INC COM 149123101   2,138,206 2,637 SH   SOLE   2,637 0 0
CHEVRON CORP NEW COM 166764100   597,624 2,927 SH   SOLE   2,927 0 0
CISCO SYS INC COM 17275R102   1,287,102 11,959 SH   SOLE   11,959 0 0
CITIGROUP INC COM 172967424   431,686 3,334 SH   SOLE   3,334 0 0
CSX CORP COM 126408103   1,477,623 31,770 SH   SOLE   31,770 0 0
DISNEY WALT CO COM 254687106   456,013 4,347 SH   SOLE   4,347 0 0
DOW INC COM 260557103   224,990 8,170 SH   SOLE   8,170 0 0
ELME COMMUNITIES REIT REIT RET 939653101   37,821 21,736 SH   SOLE   21,736 0 0
ESSEX PPTY TR INC REIT RET 297178105   337,950 1,255 SH   SOLE   1,255 0 0
EXXONMOBIL HLDGS CORP COM 30233Q108   654,109 4,019 SH   SOLE   4,019 0 0
FIRST CTZNS BANCSHARES ICLASS A COM 31946M103   263,706 128 SH   SOLE   128 0 0
FORD MTR CO DEL COM 345370860   123,422 10,234 SH   SOLE   10,234 0 0
FRANKLIN FTSE ASIA EX JAPAN ETF UIE 35473P660   1,003,753 27,437 SH   SOLE   27,437 0 0
FRANKLIN FTSE CANADA ETF UIE 35473P827   642,905 12,330 SH   SOLE   12,330 0 0
FRANKLIN FTSE INDIA ETF UIE 35473P769   293,506 8,764 SH   SOLE   8,764 0 0
FRANKLIN FTSE JAPAN ETF UIE 35473P744   472,374 11,410 SH   SOLE   11,410 0 0
FRANKLIN FTSE LATIN AMERICA ETF UIE 35473P561   457,024 16,698 SH   SOLE   16,698 0 0
GE AEROSPACE COM 369604301   1,150,789 3,685 SH   SOLE   3,685 0 0
GE VERNOVA INC COM 36828A101   875,401 921 SH   SOLE   921 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   1,256,857 1,396 SH   SOLE   1,396 0 0
GSK PLC ADR F ADR 37733W204   657,858 13,657 SH   SOLE   13,657 0 0
HALEON PLC F ADR 405552100   153,657 17,073 SH   SOLE   17,073 0 0
HEWLETT PACKARD ENTERPRI COM 42824C109   204,859 3,206 SH   SOLE   3,206 0 0
HOME DEPOT INC COM 437076102   632,874 2,225 SH   SOLE   2,225 0 0
HONEYWELL AEROSPACE INC COM 43849R105   594,000 3,833 SH   SOLE   3,833 0 0
HONEYWELL INTL INC COM 438516205   808,533 3,833 SH   SOLE   3,833 0 0
IBM CORP COM 459200101   2,580,004 11,731 SH   SOLE   11,731 0 0
INTEL CORP COM 458140100   2,089,297 17,378 SH   SOLE   17,378 0 0
INTERNTNL PAPER CO COM 460146103   232,853 7,020 SH   SOLE   7,020 0 0
INVESCO INDIA ETF UIE 46137R109   305,900 16,402 SH   SOLE   16,402 0 0
ISHARES CHINA LARGE-CAP ETF UIE 464287184   450,513 13,243 SH   SOLE   13,243 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF UIE 46434G103   633,018 7,800 SH   SOLE   7,800 0 0
ISHARES CORE MSCI PACIFIC ETF UIE 46434V696   791,105 9,295 SH   SOLE   9,295 0 0
ISHARES CORE MSCI EUROPEETF UIE 46434V738   305,708 4,148 SH   SOLE   4,148 0 0
ISHARES EUROPE ETF UIE 464287861   307,780 4,327 SH   SOLE   4,327 0 0
ISHARES J.P. MORGAN EM HIGH YIELD BOND ETF UIE 464286285   407,254 10,513 SH   SOLE   10,513 0 0
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF UIE 464288281   753,848 8,299 SH   SOLE   8,299 0 0
ISHARES LATIN AMERICA 40ETF UIE 464287390   1,284,954 37,245 SH   SOLE   37,245 0 0
ISHARES MBS ETF UIE 464288588   220,286 2,458 SH   SOLE   2,458 0 0
ISHARES MSCI ALL COUNTRYASIA EX JAPAN ETF UIE 464288182   418,235 3,592 SH   SOLE   3,592 0 0
ISHARES MSCI CANADA ETF UIE 464286509   284,252 4,869 SH   SOLE   4,869 0 0
ISHARES MSCI CHINA ETF UIE 46429B671   268,726 5,149 SH   SOLE   5,149 0 0
ISHARES MSCI EAFE ETF UIE 464287465   318,735 3,068 SH   SOLE   3,068 0 0
ISHARES MSCI EAFE GROWTHETF UIE 464288885   282,559 2,358 SH   SOLE   2,358 0 0
ISHARES MSCI EMERGING MARKETS ASIA ETF UIE 464286426   694,289 5,991 SH   SOLE   5,991 0 0
ISHARES MSCI INDIA ETF UIE 46429B598   310,702 6,656 SH   SOLE   6,656 0 0
ISHARES MSCI JAPAN SMALL-CAP ETF UIE 464286582   616,485 5,630 SH   SOLE   5,630 0 0
ISHARES MSCI JAPAN ETF UIE 46434G822   397,929 4,083 SH   SOLE   4,083 0 0
ISHARES MSCI PACIFIC EX JAPAN ETF UIE 464286665   449,210 8,163 SH   SOLE   8,163 0 0
JOHNSON & JOHNSON COM 478160104   992,236 3,748 SH   SOLE   3,748 0 0
JPMORGAN BETABUILDERS CANADA ETF UIE 46641Q225   1,057,828 10,540 SH   SOLE   10,540 0 0
JPMORGAN BETABUILDERS EUROPE ETF UIE 46641Q191   805,515 10,642 SH   SOLE   10,642 0 0
JPMORGAN BETABUILDERS JAPAN ETF UIE 46641Q217   425,706 5,423 SH   SOLE   5,423 0 0
JPMORGAN CHASE & CO COM 46625H100   1,845,367 5,578 SH   SOLE   5,578 0 0
KIMCO RLTY CORP REIT RET 49446R109   243,404 10,959 SH   SOLE   10,959 0 0
MARRIOTT INTL INC NEW CLASS CLASS A COM 571903202   263,196 740 SH   SOLE   740 0 0
MARSH & MCLENNAN COS INC COM 571748102   256,095 1,500 SH   SOLE   1,500 0 0
MCDONALDS CORP COM 580135101   573,945 2,485 SH   SOLE   2,485 0 0
MERCK & CO. INC. COM 58933Y105   1,066,686 7,341 SH   SOLE   7,341 0 0
MICROSOFT CORP COM 594918104   2,154,107 4,200 SH   SOLE   4,200 0 0
PHILIP MORRIS INTL INC COM 718172109   935,018 4,900 SH   SOLE   4,900 0 0
PPL CORP COM 69351T106   332,189 10,100 SH   SOLE   10,100 0 0
PROCTER & GAMBLE CO COM 742718109   1,458,906 10,042 SH   SOLE   10,042 0 0
PROLOGIS INC REIT RET 74340W103   362,903 2,795 SH   SOLE   2,795 0 0
RTX CORP COM 75513E101   432,076 2,327 SH   SOLE   2,327 0 0
SALESFORCE INC COM 79466L302   214,992 937 SH   SOLE   937 0 0
SCHWAB EMERGING MARKETS EQUITY ETF UIE 808524706   482,151 13,228 SH   SOLE   13,228 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF UIE 808524888   967,519 19,452 SH   SOLE   19,452 0 0
SCHWAB U.S. LARGE-CAP GROWTH ETF UIE 808524300   496,696 13,824 SH   SOLE   13,824 0 0
SCHWAB U.S. SMALL-CAP ETF UIE 808524607   865,894 26,537 SH   SOLE   26,537 0 0
SIMON PPTY GROUP INC NEWREIT RET 828806109   679,171 3,383 SH   SOLE   3,383 0 0
STATE STREET SPDR BLOOMBERG HIGH YIELD BOND ETF UIE 78468R622   454,926 4,905 SH   SOLE   4,905 0 0
STATE STREET SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF UIE 78463X889   343,487 6,841 SH   SOLE   6,841 0 0
STATE STREET SPDR PORTFOLIO HIGH YIELD BOND ETF UIE 78468R606   523,864 23,190 SH   SOLE   23,190 0 0
STATE STREET SPDR S&P CHINA ETF UIE 78463X400   793,247 9,142 SH   SOLE   9,142 0 0
STATE STREET SPDR S&P EMERGING ASIA PACIFIC ETF UIE 78463X301   579,301 3,710 SH   SOLE   3,710 0 0
THE COCA-COLA CO COM 191216100   725,278 8,426 SH   SOLE   8,426 0 0
TRAVELERS COS INC COM 89417E109   1,421,323 3,987 SH   SOLE   3,987 0 0
UMH PPTYS INC REIT RET 903002103   178,817 11,612 SH   SOLE   11,612 0 0
UNION PAC CORP COM 907818108   653,112 2,400 SH   SOLE   2,400 0 0
UNITEDHEALTH GROUP INC COM 91324P102   755,694 2,059 SH   SOLE   2,059 0 0
VANECK AFRICA INDEX ETF UIE 92189F866   644,477 23,410 SH   SOLE   23,410 0 0
VANECK EMERGING MARKETS HIGH YIELD BOND ETF UIE 92189F353   328,602 16,930 SH   SOLE   16,930 0 0
VANGUARD EMERGING MARKETS GOVERNMENT BOND INDEX FUND ETF SHARES UIE 921946885   1,077,444 17,067 SH   SOLE   17,067 0 0
VANGUARD EXTENDED MARKETINDEX FUND ETF SHARES UIE 922908652   1,536,373 6,633 SH   SOLE   6,633 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF SHARES UIE 922042718   809,163 5,212 SH   SOLE   5,212 0 0
VANGUARD FTSE DEVELOPED MARKETS INDEX FUND ETF SHARES UIE 921943858   500,554 7,089 SH   SOLE   7,089 0 0
VANGUARD FTSE EMERGING MARKETS INDEX FUND ETF SHARES UIE 922042858   327,925 5,529 SH   SOLE   5,529 0 0
VANGUARD FTSE EUROPE ETF UIE 922042874   804,654 9,270 SH   SOLE   9,270 0 0
VANGUARD FTSE PACIFIC INDEX FUND ETF SHARES UIE 922042866   811,550 7,008 SH   SOLE   7,008 0 0
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX FUND ETF SHARES UIE 922042676   568,596 13,372 SH   SOLE   13,372 0 0
VANGUARD MORNINGSTAR MID-CAP ETF UIE 922908629   1,676,427 21,378 SH   SOLE   21,378 0 0
VANGUARD MORNINGSTAR SMALL-CAP ETF UIE 922908751   4,079,128 14,338 SH   SOLE   14,338 0 0
VANGUARD MORNINGSTAR TOTAL STOCK MARKET ETF UIE 922908769   3,023,285 8,078 SH   SOLE   8,078 0 0
VANGUARD MORTGAGE-BACKEDSECURITIES INDEX FUND ETF SHARES UIE 92206C771   224,315 5,051 SH   SOLE   5,051 0 0
VANGUARD S&P 500 ETF UIE 922908363   954,149 1,361 SH   SOLE   1,361 0 0
VANGUARD TOTAL INTERNATIONAL BOND INDEXFUND ETF SHARES UIE 92203J407   202,853 4,328 SH   SOLE   4,328 0 0
VERIZON COMMUNICATIONS I COM 92343V104   679,610 14,816 SH   SOLE   14,816 0 0
VISA INC CLASS A COM 92826C839   969,005 2,697 SH   SOLE   2,697 0 0
WALMART INC COM 931142103   1,941,981 18,687 SH   SOLE   18,687 0 0
WELLTOWER INC REIT RET 95040Q104   227,707 989 SH   SOLE   989 0 0