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
Expires: July 31, 2015
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 205,663 1,715 SH SOLE 0 0 1,715
ABBOTT LABS COM 002824100 241,758 2,202 SH SOLE 0 0 2,202
ABBVIE INC COM 00287Y109 458,811 2,839 SH SOLE 0 0 2,839
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 393,856 1,476 SH SOLE 0 0 1,476
ADOBE SYSTEMS INCORPORATED COM 00724F101 300,858 894 SH SOLE 0 0 894
ALPHABET INC CAP STK CL A 02079K305 700,546 7,940 SH SOLE 0 0 7,940
ALPHABET INC CAP STK CL C 02079K107 387,750 4,370 SH SOLE 0 0 4,370
AMAZON COM INC COM 023135106 774,480 9,220 SH SOLE 0 0 9,220
APPLE INC COM 037833100 3,009,958 23,166 SH SOLE 0 0 23,166
AT&T INC COM 00206R102 242,023 13,146 SH SOLE 0 0 13,146
BANK AMERICA CORP COM 060505104 341,335 10,306 SH SOLE 0 0 10,306
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,063,234 3,442 SH SOLE 0 0 3,442
BOEING CO COM 097023105 201,157 1,056 SH SOLE 0 0 1,056
BROADCOM INC COM 11135F101 218,620 391 SH SOLE 0 0 391
CHEVRON CORP NEW COM 166764100 236,568 1,318 SH SOLE 0 0 1,318
CHURCH & DWIGHT CO INC COM 171340102 560,320 6,951 SH SOLE 0 0 6,951
CISCO SYS INC COM 17275R102 641,187 13,459 SH SOLE 0 0 13,459
COCA COLA CO COM 191216100 333,705 5,246 SH SOLE 0 0 5,246
COMCAST CORP NEW CL A 20030N101 238,565 6,822 SH SOLE 0 0 6,822
COSTCO WHSL CORP NEW COM 22160K105 962,302 2,108 SH SOLE 0 0 2,108
CSX CORP COM 126408103 209,022 6,747 SH SOLE 0 0 6,747
DICKS SPORTING GOODS INC COM 253393102 247,437 2,057 SH SOLE 0 0 2,057
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1,001,592 46,370 SH SOLE 0 0 46,370
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 7,173,745 295,459 SH SOLE 0 0 295,459
DOMINION ENERGY INC COM 25746U109 214,377 3,496 SH SOLE 0 0 3,496
DUKE ENERGY CORP NEW COM NEW 26441C204 225,239 2,187 SH SOLE 0 0 2,187
EXXON MOBIL CORP COM 30231G102 1,104,544 10,014 SH SOLE 0 0 10,014
HOME DEPOT INC COM 437076102 1,948,540 6,169 SH SOLE 0 0 6,169
HONEYWELL INTL INC COM 438516106 429,886 2,006 SH SOLE 0 0 2,006
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 1,661,761 89,007 SH SOLE 0 0 89,007
INVESCO QQQ TR UNIT SER 1 46090E103 11,024,185 41,401 SH SOLE 0 0 41,401
ISHARES TR CORE US AGGBD ET 464287226 357,893 3,690 SH SOLE 0 0 3,690
ISHARES TR IBOXX INV CP ETF 464287242 15,221,773 144,378 SH SOLE 0 0 144,378
ISHARES TR BLACKROCK ULTRA 46434V878 1,471,877 29,414 SH SOLE 0 0 29,414
ISHARES TR CORE MSCI INTL 46435G326 4,809,074 85,907 SH SOLE 0 0 85,907
ISHARES TR IBOXX HI YD ETF 464288513 695,067 9,440 SH SOLE 0 0 9,440
ISHARES TR TIPS BD ETF 464287176 3,861,430 36,278 SH SOLE 0 0 36,278
ISHARES TR SHRT NAT MUN ETF 464288158 218,550 2,096 SH SOLE 0 0 2,096
ISHARES TR NATIONAL MUN ETF 464288414 3,369,676 31,934 SH SOLE 0 0 31,934
ISHARES TR CORE MSCI TOTAL 46432F834 747,173 12,909 SH SOLE 0 0 12,909
ISHARES TR RUSSELL 2000 ETF 464287655 222,832 1,278 SH SOLE 0 0 1,278
ISHARES TR CORE S&P500 ETF 464287200 8,360,025 21,759 SH SOLE 0 0 21,759
ISHARES TR MSCI INTL VLU FT 46435G409 1,478,362 63,805 SH SOLE 0 0 63,805
ISHARES U S ETF TR INT RT HDG C B 46431W705 4,698,965 51,928 SH SOLE 0 0 51,928
JOHNSON & JOHNSON COM 478160104 527,477 2,986 SH SOLE 0 0 2,986
JPMORGAN CHASE & CO COM 46625H100 650,921 4,854 SH SOLE 0 0 4,854
LEIDOS HOLDINGS INC COM 525327102 216,481 2,058 SH SOLE 0 0 2,058
LILLY ELI & CO COM 532457108 236,333 646 SH SOLE 0 0 646
LOCKHEED MARTIN CORP COM 539830109 331,786 682 SH SOLE 0 0 682
LOWES COS INC COM 548661107 200,834 1,008 SH SOLE 0 0 1,008
MASTERCARD INCORPORATED CL A 57636Q104 993,465 2,857 SH SOLE 0 0 2,857
MCDONALDS CORP COM 580135101 219,784 834 SH SOLE 0 0 834
MERCK & CO INC COM 58933Y105 850,765 7,668 SH SOLE 0 0 7,668
MICROSOFT CORP COM 594918104 2,127,923 8,873 SH SOLE 0 0 8,873
NIKE INC CL B 654106103 273,335 2,336 SH SOLE 0 0 2,336
NOVO-NORDISK A S ADR 670100205 395,599 2,923 SH SOLE 0 0 2,923
NVIDIA CORPORATION COM 67066G104 398,524 2,727 SH SOLE 0 0 2,727
OKTA INC CL A 679295105 232,664 3,405 SH SOLE 0 0 3,405
PALANTIR TECHNOLOGIES INC CL A 69608A108 66,312 10,329 SH SOLE 0 0 10,329
PEPSICO INC COM 713448108 265,390 1,469 SH SOLE 0 0 1,469
PNC FINL SVCS GROUP INC COM 693475105 339,571 2,150 SH SOLE 0 0 2,150
PROCTER AND GAMBLE CO COM 742718109 299,028 1,973 SH SOLE 0 0 1,973
PROSHARES TR INVT INT RT HG 74347B607 360,883 5,075 SH SOLE 0 0 5,075
QUANTUM SI INC COM CL A 74765K105 67,710 37,000 SH SOLE 0 0 37,000
SCHWAB STRATEGIC TR US TIPS ETF 808524870 472,998 9,133 SH SOLE 0 0 9,133
SOUTHERN CO COM 842587107 390,827 5,473 SH SOLE 0 0 5,473
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,320,766 161,431 SH SOLE 0 0 161,431
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,274,904 177,666 SH SOLE 0 0 177,666
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,266,991 3,313 SH SOLE 0 0 3,313
SPDR SER TR BLOOMBERG HIGH Y 78468R622 3,757,320 41,748 SH SOLE 0 0 41,748
STARBUCKS CORP COM 855244109 307,718 3,102 SH SOLE 0 0 3,102
TESLA INC COM 88160R101 400,335 3,250 SH SOLE 0 0 3,250
UNITED PARCEL SERVICE INC CL B 911312106 349,766 2,012 SH SOLE 0 0 2,012
UNITEDHEALTH GROUP INC COM 91324P102 496,248 936 SH SOLE 0 0 936
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6,563,590 91,364 SH SOLE 0 0 91,364
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 6,902,140 140,860 SH SOLE 0 0 140,860
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,687,139 48,979 SH SOLE 0 0 48,979
VANGUARD BD INDEX FDS INTERMED TERM 921937819 5,116,858 68,849 SH SOLE 0 0 68,849
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 6,021,476 126,955 SH SOLE 0 0 126,955
VANGUARD INDEX FDS SM CP VAL ETF 922908611 450,992 2,840 SH SOLE 0 0 2,840
VANGUARD INDEX FDS GROWTH ETF 922908736 1,971,268 9,250 SH SOLE 0 0 9,250
VANGUARD INDEX FDS LARGE CAP ETF 922908637 4,662,986 26,768 SH SOLE 0 0 26,768
VANGUARD INDEX FDS TOTAL STK MKT 922908769 30,094,836 157,408 SH SOLE 0 0 157,408
VANGUARD INDEX FDS MID CAP ETF 922908629 9,793,478 48,052 SH SOLE 0 0 48,052
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,817,555 53,490 SH SOLE 0 0 53,490
VANGUARD INDEX FDS VALUE ETF 922908744 9,905,911 70,570 SH SOLE 0 0 70,570
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,952,994 72,175 SH SOLE 0 0 72,175
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,287,934 22,254 SH SOLE 0 0 22,254
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 12,719,920 147,580 SH SOLE 0 0 147,580
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,299,715 84,652 SH SOLE 0 0 84,652
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 368,542 7,890 SH SOLE 0 0 7,890
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,443,722 29,172 SH SOLE 0 0 29,172
VANGUARD STAR FDS VG TL INTL STK F 921909768 4,941,794 95,549 SH SOLE 0 0 95,549
VISA INC COM CL A 92826C839 592,739 2,853 SH SOLE 0 0 2,853
WALMART INC COM 931142103 821,248 5,792 SH SOLE 0 0 5,792
WASTE MGMT INC DEL COM 94106L109 255,087 1,626 SH SOLE 0 0 1,626