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
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,916 78,929 SH SOLE 78,929 0 0
ABBVIE INC COM 00287Y109 243 1,158 SH SOLE 1,158 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 2,710 7,066 SH SOLE 7,066 0 0
AIR PRODS & CHEMS INC COM 009158106 3,959 13,422 SH SOLE 13,422 0 0
ALIBABA GROUP HLDG LTD SPONSOSORED ADR 01609W102 479 3,621 SH SOLE 3,621 0 0
ALPHABET INC CAP STK CL C 02079K107 4,089 26,175 SH SOLE 26,175 0 0
ALPHABET INC CAP STK CL A 02079K305 5,363 34,683 SH SOLE 34,683 0 0
Altria Group Inc. COM 02209S103 627 10,440 SH SOLE 10,440 0 0
AMAZON COM INC COM 023135106 6,131 32,222 SH SOLE 32,222 0 0
AMERICAN TOWER CORP NEW COM 03027X100 2,112 9,708 SH SOLE 9,708 0 0
CENCORA INC COM 03073E105 3,556 12,787 SH SOLE 12,787 0 0
AMGEN INC COM 031162100 1,586 5,091 SH SOLE 5,091 0 0
ANALOG DEVICES INC COM 032654105 2,138 10,599 SH SOLE 10,599 0 0
ELEVANCE HEALTH INC COM 036752103 6,082 13,982 SH SOLE 13,982 0 0
APPLE INC COM 037833100 610 2,744 SH SOLE 2,744 0 0
APPLIED MATLS INC COM 038222105 2,409 16,600 SH SOLE 16,600 0 0
AUTODESK INC COM 052769106 2,388 9,122 SH SOLE 9,122 0 0
BANK AMERICA CORP COM 060505104 1,336 32,012 SH SOLE 32,012 0 0
BANK NEW YORK MELLON CORP COM 064058100 2,388 28,472 SH SOLE 28,472 0 0
BECTON DICKINSON & CO COM 075887109 4,875 21,282 SH SOLE 21,282 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 8,562 16,077 SH SOLE 16,077 0 0
BIO RAD LABS INC CL A 090572207 539 2,213 SH SOLE 2,213 0 0
BLACKROCK INC COM 09290D101 2,379 2,514 SH SOLE 2,514 0 0
BOOKING HLDGS INC COM 09857L108 8,835 1,918 SH SOLE 1,918 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 544 2,245 SH SOLE 2,245 0 0
THE CIGNA GROUP COM 125523100 596 1,810 SH SOLE 1,810 0 0
CVS HEALTH CORP COM 126650100 455 6,720 SH SOLE 6,720 0 0
CAPITAL ONE FINL CORP COM 14040H105 392 2,188 SH SOLE 2,188 0 0
CARMAX INC COM 143130102 5,506 70,668 SH SOLE 70,668 0 0
CASEYS GEN STORES INC COM 147528103 404 931 SH SOLE 931 0 0
CHARLES RIV LABS INTL INC COM 159864107 394 2,616 SH SOLE 2,616 0 0
CITIGROUP INC COM NEW 172967424 450 6,337 SH SOLE 6,337 0 0
COCA COLA CO COM 191216100 1,915 26,740 SH SOLE 26,740 0 0
COMCAST CORP NEW CL A 20030N101 5,092 138,002 SH SOLE 138,002 0 0
CONOCOPHILLIPS COM 20825C104 2,729 25,988 SH SOLE 25,988 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 2,699 25,758 SH SOLE 25,758 0 0
DIAMONDBACK ENERGY INC COM 25278X109 609 3,810 SH SOLE 3,810 0 0
DISNEY WALT CO COM 254687106 3,502 35,485 SH SOLE 35,485 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,749 14,339 SH SOLE 14,339 0 0
EBAY INC. COM 278642103 2,555 37,724 SH SOLE 37,724 0 0
ECOLAB INC COM 278865100 1,312 5,174 SH SOLE 5,174 0 0
EDISON INTL COM 281020107 1,055 17,901 SH SOLE 17,901 0 0
ENBRIDGE INC COM 29250N105 3,632 82,024 SH SOLE 82,024 0 0
ENTERGY CORP NEW COM 29364G103 2,923 34,190 SH SOLE 34,190 0 0
EXXON MOBIL CORP COM 30231G102 4,087 34,363 SH SOLE 34,363 0 0
META PLATFORMS INC CL A 30303M102 10,391 18,028 SH SOLE 18,028 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 1,008 19,714 SH SOLE 19,714 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 2,542 37,214 SH SOLE 37,214 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 1,115 14,932 SH SOLE 14,932 0 0
FISERV INC COM 337738108 3,117 14,113 SH SOLE 14,113 0 0
FRANKLIN TEMPLETON ETF TR FTSE UNTD KGDM 35473P678 2,363 82,460 SH SOLE 82,460 0 0
GENERAL DYNAMICS CORP COM 369550108 2,386 8,752 SH SOLE 8,752 0 0
GENERAL MTRS CO COM 37045V100 274 5,820 SH SOLE 5,820 0 0
GENUINE PARTS CO COM 372460105 1,508 12,656 SH SOLE 12,656 0 0
GSK PLC SPONSORED ADR 37733W204 2,152 55,546 SH SOLE 55,546 0 0
HANESBRANDS INC COM 410345102 220 38,136 SH SOLE 38,136 0 0
HOME DEPOT INC COM 437076102 328 896 SH SOLE 896 0 0
HUNTINGTON INGALLS INDS INC COM 446413106 1,196 5,862 SH SOLE 5,862 0 0
INGREDION INC COM 457187102 768 5,680 SH SOLE 5,680 0 0
IQVIA HLDGS INC COM 46266C105 3,939 22,343 SH SOLE 22,343 0 0
ISHARES INC MSCI STH KOR ETF 464286772 766 14,167 SH SOLE 14,167 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,211 2,155 SH SOLE 2,155 0 0
ISHARES TR LATN AMER 40 ETF 464287390 2,290 97,252 SH SOLE 97,252 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 540 5,118 SH SOLE 5,118 0 0
ISHARES TR NATIONAL MUN ETF 464288414 990 9,385 SH SOLE 9,385 0 0
ISHARES TR MSCI CHINA ETF 46429B671 2,338 42,980 SH SOLE 42,980 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 2,587 37,060 SH SOLE 37,060 0 0
ISHARES TR CORE TOTAL USD 46434V613 2,464 53,475 SH SOLE 53,475 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 713 14,059 SH SOLE 14,059 0 0
ISHARES TR BROAD USD HIGH 46435U853 4,268 115,938 SH SOLE 115,938 0 0
JPMORGAN CHASE & CO COM 46625H100 7,209 29,387 SH SOLE 29,387 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 1,406 28,124 SH SOLE 28,124 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 701 13,843 SH SOLE 13,843 0 0
LABCORP HOLDINGS INC COM SHS 504922105 413 1,775 SH SOLE 1,775 0 0
LAMAR ADVERTISING CO NEW CL A 512816109 2,218 19,496 SH SOLE 19,496 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 1,664 435,473 SH SOLE 435,473 0 0
MASTERCARD INCORPORATED CL A 57636Q104 5,029 9,175 SH SOLE 9,175 0 0
MCKESSON CORP COM 58155Q103 1,904 2,829 SH SOLE 2,829 0 0
MICROSOFT CORP COM 594918104 9,074 24,172 SH SOLE 24,172 0 0
NOVARTIS AG SPONSORED ADR 66987V109 2,341 20,997 SH SOLE 20,997 0 0
NVIDIA CORPORATION COM 67066G104 313 2,888 SH SOLE 2,888 0 0
OMNICOM GROUP INC COM 681919106 2,333 28,135 SH SOLE 28,135 0 0
ORACLE CORP COM 68389X105 2,953 21,118 SH SOLE 21,118 0 0
PEPSICO INC COM 713448108 938 6,258 SH SOLE 6,258 0 0
PFIZER INC COM 717081103 1,338 52,792 SH SOLE 52,792 0 0
PHILIP MORRIS INTL INC COM 718172109 7,236 45,585 SH SOLE 45,585 0 0
PLAINS GP HLDGS L P LTD PARTNR INT A 72651A207 691 32,347 SH SOLE 32,347 0 0
QUALCOMM INC COM 747525103 2,857 18,601 SH SOLE 18,601 0 0
RTX CORPORATION COM 75513E101 1,325 10,002 SH SOLE 10,002 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 482 7,331 SH SOLE 7,331 0 0
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 7,358 180,530 SH SOLE 180,530 0 0
SALESFORCE COM INC COM 79466L302 2,777 10,348 SH SOLE 10,348 0 0
SANOFI SPONSORED ADR 80105N105 2,200 39,670 SH SOLE 39,670 0 0
SCHWAB CHARLES CORP COM 808513105 8,286 105,850 SH SOLE 105,850 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,772 175,180 SH SOLE 175,180 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,473 47,833 SH SOLE 47,833 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRE 808524854 268 10,778 SH SOLE 10,778 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,563 58,144 SH SOLE 58,144 0 0
STARBUCKS CORP COM 855244109 5,082 51,808 SH SOLE 51,808 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 4,592 27,663 SH SOLE 27,663 0 0
TEXAS INSTRS INC COM 882508104 1,101 6,127 SH SOLE 6,127 0 0
TRUIST FINL CORP COM 89832Q109 1,603 38,963 SH SOLE 38,963 0 0
US BANCORP DEL COM NEW 902973304 318 7,535 SH SOLE 7,535 0 0
UNILEVER PLC SPON ADR NEW 904767704 2,583 43,375 SH SOLE 43,375 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,222 11,107 SH SOLE 11,107 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,045 3,904 SH SOLE 3,904 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 6,795 77,211 SH SOLE 77,211 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 242 3,433 SH SOLE 3,433 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 4,606 58,842 SH SOLE 58,842 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 58,776 800,224 SH SOLE 800,224 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 33,309 655,294 SH SOLE 655,294 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 1,701 26,498 SH SOLE 26,498 0 0
VANGUARD MALVERN FDS CORE BD ETF 922020748 23,021 297,313 SH SOLE 297,313 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,681 235,987 SH SOLE 235,987 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,209 5,524 SH SOLE 5,524 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 2,069 17,321 SH SOLE 17,321 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 794 5,350 SH SOLE 5,350 0 0
VANGUARD SCOTTSDALE FDS INT-TERM GOV 92206C706 15,536 261,544 SH SOLE 261,544 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 9,145 197,477 SH SOLE 197,477 0 0
VEEVA SYS INC CL A COM 922475108 1,411 6,092 SH SOLE 6,092 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,260 4,871 SH SOLE 4,871 0 0
VANGUARD INDEX FDS STK MRK ETF 922908769 77,314 281,306 SH SOLE 281,306 0 0
VERISIGN INC COM 92343E102 709 2,792 SH SOLE 2,792 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,511 33,319 SH SOLE 33,319 0 0
VISA INC COM CL A 92826C839 6,526 18,623 SH SOLE 18,623 0 0
WEC ENERGY GROUP INC COM 92939U106 1,527 14,011 SH SOLE 14,011 0 0
WARNER BROS DISCOVERY INC SPONSORED ADR 934423104 367 34,173 SH SOLE 34,173 0 0
WARNER MUSIC GROUP CORP COM CL A 934550203 773 24,671 SH SOLE 24,671 0 0
WELLS FARGO CO NEW COM 949746101 6,068 84,523 SH SOLE 84,523 0 0
YUM CHINA HLDGS INC COM 98850P109 853 16,387 SH SOLE 16,387 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 604 2,139 SH SOLE 2,139 0 0
ALLEGION PLC ORD SHS G0176J109 874 6,701 SH SOLE 6,701 0 0
MEDTRONIC PLC SHS G5960L103 4,196 46,699 SH SOLE 46,699 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104 4,060 17,813 SH SOLE 17,813 0 0