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
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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
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   544,109 9,263 SH   SOLE   0 0 9,263
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   405,510 5,265 SH   SOLE   0 0 5,265
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   1,704,518 20,706 SH   SOLE   0 0 20,706
APPLE INC COM 037833100   479,150 1,762 SH   SOLE   0 0 1,762
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300   7,343,164 265,864 SH   SOLE   0 0 265,864
CAPITAL GRP FIXED INCM ETF T SHORT DURATION 14020Y409   10,735,497 412,745 SH   SOLE   0 0 412,745
CORNING INC COM 219350105   279,754 3,195 SH   SOLE   0 0 3,195
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   11,926,199 312,941 SH   SOLE   0 0 312,941
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   5,003,057 153,609 SH   SOLE   0 0 153,609
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   3,372,643 56,645 SH   SOLE   0 0 56,645
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   248,998 6,289 SH   SOLE   0 0 6,289
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   3,616,881 95,106 SH   SOLE   0 0 95,106
DUKE ENERGY CORP NEW COM NEW 26441C204   451,262 3,850 SH   SOLE   0 0 3,850
INVESCO ACTIVELY MANAGED EXC VAR RATE INVT 46090A879   3,458,780 137,800 SH   SOLE   0 0 137,800
INVESCO QQQ TR UNIT SER 1 46090E103   821,332 1,337 SH   SOLE   0 0 1,337
ISHARES TR CORE S&P US GWT 464287671   671,929 4,001 SH   SOLE   0 0 4,001
ISHARES TR CORE MSCI EAFE 46432F842   488,362 5,459 SH   SOLE   0 0 5,459
ISHARES TR US SML CAP EQT 46434V290   758,310 10,127 SH   SOLE   0 0 10,127
ISHARES TR RUSEL 2500 ETF 46435G268   678,956 9,060 SH   SOLE   0 0 9,060
ISHARES TR CORE MSCI INTL 46435G326   551,874 6,691 SH   SOLE   0 0 6,691
LOWES COS INC COM 548661107   852,501 3,535 SH   SOLE   0 0 3,535
PIMCO ETF TR MULTISECTOR BD 72201R585   396,812 14,873 SH   SOLE   0 0 14,873
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   420,815 4,386 SH   SOLE   0 0 4,386
SPDR SERIES TRUST STATE STREET SPD 78464A508   1,686,462 29,686 SH   SOLE   0 0 29,686
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,374,861 72,804 SH   SOLE   0 0 72,804
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,009,464 34,092 SH   SOLE   0 0 34,092
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   300,088 5,582 SH   SOLE   0 0 5,582
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   346,803 553 SH   SOLE   0 0 553
VANGUARD INDEX FDS LARGE CAP ETF 922908637   267,705 850 SH   SOLE   0 0 850
VANGUARD INDEX FDS GROWTH ETF 922908736   14,899,298 30,540 SH   SOLE   0 0 30,540
VANGUARD INDEX FDS VALUE ETF 922908744   13,457,665 70,463 SH   SOLE   0 0 70,463
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,823,167 18,698 SH   SOLE   0 0 18,698
VANGUARD INDEX FDS TOTAL STK MKT 922908769   238,867 712 SH   SOLE   0 0 712