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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CORPORATION Equities 88579Y101 291,844 1,917 SH SOLE 1,917 0 0
ABBOTT LABORATORIES Equities 002824100 1,286,111 9,456 SH SOLE 9,456 0 0
ABBVIE INC Equities 00287Y109 1,109,451 5,978 SH SOLE 5,978 0 0
ACCENTURE PLC Equities G1151C101 178,736 598 SH DFND 598 0 0
ACCENTURE PLC Equities G1151C101 1,050,598 3,515 SH SOLE 3,515 0 0
ADVANCED MICRO DEV Equities 007903107 227,466 1,603 SH SOLE 1,603 0 0
AIR PRODS & CHEMS Equities 009158106 393,474 1,395 SH SOLE 1,395 0 0
ALPHABET INC CL A Equities 02079K305 954,638 5,417 SH SOLE 5,417 0 0
ALPHABET INC CL C Equities 02079K107 1,552,517 8,752 SH SOLE 8,752 0 0
AMAZON.COM INC Equities 023135106 3,107,659 14,165 SH SOLE 13,905 0 260
AMERICAN EXPRESS CO Equities 025816109 426,157 1,336 SH SOLE 1,336 0 0
AMGEN INC Equities 031162100 227,835 816 SH SOLE 816 0 0
ANALOG DEVICES INC Equities 032654105 838,544 3,523 SH SOLE 3,523 0 0
APPLE COMPUTER INC Equities 037833100 239,639 1,168 SH DFND 1,168 0 0
APPLE COMPUTER INC Equities 037833100 17,385,901 84,739 SH SOLE 84,247 0 492
ARCHER DAN MID CO Equities 039483102 502,624 9,523 SH SOLE 9,523 0 0
AUTOMATIC DATA PRO Equities 053015103 960,974 3,116 SH SOLE 3,116 0 0
BANK OF AMERICA CORP Equities 060505104 558,991 11,813 SH SOLE 11,813 0 0
BECTON, DICKINSON Equities 075887109 364,137 2,114 SH SOLE 2,114 0 0
BERKSHIRE HATHAWAY INC DELCL B Equities 084670702 6,304,323 12,978 SH SOLE 12,978 0 0
BOOKING HOLDINGS INC. Equities 09857L108 225,780 39 SH SOLE 39 0 0
BROADCOM INC Equities 11135F101 1,125,203 4,082 SH SOLE 4,082 0 0
BROADRIDGE FINANCIAL SOLUTIONS Equities 11133T103 217,512 895 SH SOLE 895 0 0
CANADIAN NATL RR Equities 136375102 530,292 5,097 SH SOLE 5,097 0 0
CHARLES SCHWAB CORP Equities 808513105 372,989 4,088 SH SOLE 4,088 0 0
CHEVRON CORP Equities 166764100 344,086 2,403 SH SOLE 2,403 0 0
CHIPOTLE MEXICAN GRILL INC Equities 169656105 373,398 6,650 SH SOLE 6,650 0 0
CISCO SYSTEMS INC Equities 17275R102 506,196 7,296 SH SOLE 7,296 0 0
CME GROUP INC Equities 12572Q105 284,991 1,034 SH SOLE 1,034 0 0
CMS ENERGY CORP Equities 125896100 305,109 4,404 SH SOLE 4,404 0 0
COCA COLA CO Equities 191216100 408,864 5,779 SH SOLE 5,779 0 0
COSTCO WHSL CORP NEW Equities 22160K105 634,552 641 SH SOLE 641 0 0
DANAHER CORP Equities 235851102 227,566 1,152 SH SOLE 1,152 0 0
DFA DIMENSIONAL EMERGING MKTS C Mutual Funds 25434V732 9,369,016 315,668 SH SOLE 315,668 0 0
DFA DIMENSIONAL GLOBAL REAL EST Mutual Funds 25434V658 2,521,150 93,968 SH SOLE 93,968 0 0
DFA DIMENSIONAL INTL CORE EQUIT Mutual Funds 25434V799 30,747,020 988,968 SH SOLE 988,968 0 0
DFA U.S. SMALL CAP VALUE ETF Mutual Funds 25434V815 12,632,972 429,256 SH SOLE 429,256 0 0
DIMENSIONAL U.S. CORE EQUITY 2 Mutual Funds 25434V708 46,968,740 1,310,513 SH SOLE 1,310,513 0 0
DIMENSIONAL U.S. MARKETWIDE VAL Mutual Funds 25434V724 2,193,818 51,888 SH DFND 51,888 0 0
DIMENSIONAL U.S. MARKETWIDE VAL Mutual Funds 25434V724 73,260,431 1,732,739 SH SOLE 1,718,886 0 13,853
DIMENSIONAL U.S. TARGETED VALUE Mutual Funds 25434V609 5,042,785 93,453 SH DFND 93,453 0 0
DIMENSIONAL U.S. TARGETED VALUE Mutual Funds 25434V609 91,835,881 1,701,930 SH SOLE 1,693,336 0 8,594
DIMENSIONAL WORLD EX U.S. CORE Mutual Funds 25434V880 11,476,506 390,756 SH SOLE 390,756 0 0
DISNEY WALT CO Equities 254687106 301,964 2,435 SH SOLE 2,435 0 0
DUKE ENERGY CORP NEW Equities 26441C204 891,018 7,551 SH SOLE 7,551 0 0
EMERSON ELECTRIC CO Equities 291011104 212,928 1,597 SH SOLE 1,597 0 0
EQUIFAX, INC. Equities 294429105 221,502 854 SH SOLE 854 0 0
EXXON MOBIL CORP Equities 30231G102 1,518,471 14,086 SH SOLE 14,086 0 0
F.N.B. CORP (PA) Equities 302520101 1,191,230 81,703 SH SOLE 81,703 0 0
FIRST CITIZENS CL A Equities 31946M103 1,852,777 947 SH SOLE 947 0 0
GENERAL DYNAMICS Equities 369550108 369,825 1,268 SH SOLE 1,268 0 0
GENERAL ELEC CO Equities 369604301 1,527,610 5,936 SH SOLE 5,936 0 0
GENERAL MILLS Equities 370334104 216,462 4,178 SH SOLE 4,178 0 0
HILTON WORLDWIDE HLDGS WI Equities 43300A203 310,020 1,164 SH SOLE 1,164 0 0
HOME DEPOT, INC. Equities 437076102 1,384,066 3,775 SH SOLE 3,775 0 0
IBM CORP. Equities 459200101 1,553,491 5,270 SH SOLE 5,270 0 0
ILLINOIS TOOL WORKS Equities 452308109 388,183 1,570 SH SOLE 1,570 0 0
INVESCO FTSE RAFI US 1000 ETF Mutual Funds 46137V613 534,716 12,650 SH SOLE 12,650 0 0
INVESCO QQQ TRUST SERIES 1 Mutual Funds 46090E103 501,441 909 SH SOLE 909 0 0
INVESTORS TITLE COMPANY Equities 461804106 287,791 1,362 SH SOLE 1,362 0 0
ISHARES S&P MIDCAP 400 Mutual Funds 464287507 216,574 3,492 SH SOLE 3,492 0 0
ISHARES CORE MSCI EAFE Mutual Funds 46432F842 301,947 3,617 SH SOLE 3,617 0 0
ISHARES CORE MSCI EMERGING MARK Mutual Funds 46434G103 513,136 8,548 SH SOLE 8,548 0 0
ISHARES CORE S&P 500 Mutual Funds 464287200 4,176,794 6,727 SH SOLE 6,727 0 0
ISHARES CORE S&P SMALL CAP Mutual Funds 464287804 211,913 1,939 SH SOLE 1,939 0 0
ISHARES CORE US AGGREGATE BOND Mutual Funds 464287226 392,634 3,958 SH SOLE 3,958 0 0
ISHARES EDGE MSCI MIN VOL USA E Mutual Funds 46429B697 487,655 5,195 SH SOLE 5,195 0 0
ISHARES EDGE MSCI USA MOMENTUM Mutual Funds 46432F396 384,512 1,600 SH SOLE 1,600 0 0
ISHARES MSCI EAFE Mutual Funds 464287465 739,255 8,270 SH SOLE 8,270 0 0
ISHARES MSCI EAFE SMALL CAP Mutual Funds 464288273 1,528,824 21,035 SH SOLE 21,035 0 0
ISHARES MSCI EMERGING MKTS SMAL Mutual Funds 464286475 674,116 10,395 SH SOLE 10,395 0 0
ISHARES RUSSELL 1000 GROWTH Mutual Funds 464287614 2,362,363 5,564 SH SOLE 5,564 0 0
ISHARES RUSSELL 1000 VALUE Mutual Funds 464287598 1,180,530 6,078 SH SOLE 6,078 0 0
ISHARES RUSSELL 2000 GROWTH Mutual Funds 464287648 221,542 775 SH SOLE 775 0 0
ISHARES RUSSELL MID-CAP ETF Mutual Funds 464287499 540,784 5,880 SH SOLE 5,880 0 0
ISHARES RUSSELL MIDCAP GROWTH F Mutual Funds 464287481 216,202 1,559 SH SOLE 1,559 0 0
ISHARES S&P 500 GROWTH Mutual Funds 464287309 663,132 6,023 SH SOLE 6,023 0 0
J.P. MORGAN CHASE & Equities 46625H100 1,806,719 6,232 SH SOLE 6,232 0 0
JOHNSON & JOHNSON Equities 478160104 1,511,309 9,894 SH SOLE 9,894 0 0
KIMBERLY-CLARK Equities 494368103 344,861 2,675 SH SOLE 2,675 0 0
L3HARRIS TECHNOLOGIES INC Equities 502431109 303,516 1,210 SH SOLE 1,210 0 0
LILLY ELI & CO. Equities 532457108 697,679 895 SH SOLE 895 0 0
LIVE OAK BANCSHARES INC Equities 53803X105 9,834,000 330,000 SH SOLE 330,000 0 0
LOWES COMPANIES Equities 548661107 236,070 1,064 SH DFND 1,064 0 0
LOWES COMPANIES Equities 548661107 1,137,971 5,129 SH SOLE 5,129 0 0
MANULIFE FINL CORP Equities 56501R106 266,227 8,330 SH SOLE 8,330 0 0
MASTERCARD INC Equities 57636Q104 475,401 846 SH SOLE 846 0 0
MCDONALDS CORP Equities 580135101 761,979 2,608 SH SOLE 2,608 0 0
MERCADOLIBRE INC Equities 58733R102 182,954 70 SH DFND 70 0 0
MERCADOLIBRE INC Equities 58733R102 26,136 10 SH SOLE 10 0 0
MERCK & CO INC NEWCOM Equities 58933Y105 2,037,024 25,733 SH SOLE 25,733 0 0
META PLATFORMS INC. CL A Equities 30303M102 1,355,133 1,836 SH SOLE 1,836 0 0
MICROSOFT CORPORATION Equities 594918104 347,690 699 SH DFND 699 0 0
MICROSOFT CORPORATION Equities 594918104 9,262,769 18,622 SH SOLE 18,622 0 0
NCINO INC COM Equities 63947X101 3,684,264 131,722 SH SOLE 131,722 0 0
NETFLIX COM INC Equities 64110L106 223,635 167 SH SOLE 167 0 0
NEXTERA ENERGY INCCOM Equities 65339F101 34,988 504 SH DFND 504 0 0
NEXTERA ENERGY INCCOM Equities 65339F101 203,401 2,930 SH SOLE 2,930 0 0
NVIDIA CORP Equities 67066G104 1,026,461 6,497 SH SOLE 6,497 0 0
O'REILLY AUTOMOTIVE INC Equities 67103H107 200,089 2,220 SH SOLE 2,220 0 0
ORACLE CORP Equities 68389X105 513,343 2,348 SH SOLE 2,348 0 0
PARKER HANNIFIN CORP Equities 701094104 443,528 635 SH SOLE 635 0 0
PAYCHEX INC Equities 704326107 706,354 4,856 SH SOLE 4,856 0 0
PEPSICO, INC. Equities 713448108 766,492 5,805 SH SOLE 5,805 0 0
PFIZER INC Equities 717081103 712,317 29,386 SH SOLE 29,386 0 0
PHILIP MORRIS INTL INC Equities 718172109 283,394 1,556 SH SOLE 1,556 0 0
PROCTER & GAMBLE CO Equities 742718109 1,254,008 7,871 SH SOLE 7,871 0 0
RAYTHEON TECHNOLOGIES CORP COM Equities 75513E101 306,204 2,097 SH SOLE 2,097 0 0
ROYAL BANK OF CANADA Equities 780087102 3,304,668 25,121 SH SOLE 25,121 0 0
SCHWAB US LARGE CAP GROWTH ETF Mutual Funds 808524300 289,763 9,920 SH SOLE 9,920 0 0
SONOCO PRODUCTS CO Equities 835495102 613,151 14,076 SH SOLE 14,076 0 0
SOUTHERN CO. Equities 842587107 406,991 4,432 SH SOLE 4,432 0 0
SPDR PORTFOLIO LARGE CAP ETF Mutual Funds 78464A854 441,883 6,079 SH SOLE 6,079 0 0
SPDR S&P 500 Mutual Funds 78462F103 6,658,569 10,777 SH SOLE 10,777 0 0
STATE STREET CORP Equities 857477103 437,802 4,117 SH SOLE 4,117 0 0
SYSCO CORP Equities 871829107 367,263 4,849 SH SOLE 4,849 0 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100 1,795,160 7,926 SH SOLE 7,926 0 0
TARGET CORP. Equities 87612E106 355,633 3,605 SH SOLE 3,605 0 0
TG THERAPEUTICS INC Equities 88322Q108 381,494 10,600 SH SOLE 10,600 0 0
TJX COS INC Equities 872540109 382,202 3,095 SH SOLE 3,095 0 0
TRUIST FINANCIAL ORD SHS Equities 89832Q109 1,149,037 26,728 SH SOLE 26,728 0 0
UNITEDHEALTH GRP INC Equities 91324P102 776,493 2,489 SH SOLE 2,489 0 0
VANGUARD FTSE ALL WORLD SC ETF Mutual Funds 922042718 573,845 4,270 SH SOLE 4,270 0 0
VANGUARD FTSE DEVELOPED MKTS ET Mutual Funds 921943858 16,210,931 284,352 SH SOLE 284,352 0 0
VANGUARD FTSE EMERGING MARKETS Mutual Funds 922042858 6,020,625 121,727 SH SOLE 121,727 0 0
VANGUARD GROWTH ETF Mutual Funds 922908736 23,739,001 54,149 SH SOLE 54,149 0 0
VANGUARD MID-CAP ETF Mutual Funds 922908629 26,503,819 94,714 SH SOLE 94,714 0 0
VANGUARD S&P 500 Mutual Funds 922908363 32,045,412 56,415 SH SOLE 56,415 0 0
VANGUARD SMALL CAP GROWTH ETF Mutual Funds 922908595 7,384,459 26,664 SH SOLE 26,664 0 0
VANGUARD SMALL CAP VALUE ETF Mutual Funds 922908611 2,716,099 13,928 SH SOLE 13,928 0 0
VANGUARD SMALL-CAP ETF Mutual Funds 922908751 15,015,505 63,362 SH SOLE 63,362 0 0
VANGUARD VALUE ETF Mutual Funds 922908744 11,780,605 66,655 SH SOLE 66,655 0 0
VISA INC Equities 92826C839 2,453,396 6,910 SH SOLE 6,910 0 0
VULCAN MATERIALS CO Equities 929160109 298,900 1,146 SH SOLE 1,146 0 0
WAL-MART STORES INC Equities 931142103 2,163,578 22,127 SH SOLE 22,127 0 0
WASTE MANAGEMENT INC Equities 94106L109 415,308 1,815 SH SOLE 1,815 0 0