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 495,017 3,252 SH SOLE 3,252 0 0
AFLAC INC COM 001055102 474,148 4,496 SH SOLE 4,496 0 0
ALTRIA GROUP INC COM 02209S103 287,287 4,900 SH SOLE 4,900 0 0
AMERICAN EXPRESS CO COM 025816109 894,467 2,804 SH SOLE 2,804 0 0
AMGEN INC COM 031162100 392,433 1,406 SH SOLE 1,406 0 0
APPLE INC COM 037833100 1,274,532 6,212 SH SOLE 6,212 0 0
AT&T INC COM 00206R102 270,402 9,344 SH SOLE 9,344 0 0
BANK NEW YORK MELLON COR COM 064058100 929,322 10,200 SH SOLE 10,200 0 0
BANK OF AMERICA CORP COM 060505104 263,714 5,573 SH SOLE 5,573 0 0
BERKSHIRE HATHAWAY CLASS B COM 084670702 602,841 1,241 SH SOLE 1,241 0 0
BOEING CO COM 097023105 529,273 2,526 SH SOLE 2,526 0 0
CATERPILLAR INC COM 149123101 1,023,783 2,637 SH SOLE 2,637 0 0
CHEVRON CORP NEW COM 166764100 425,612 2,972 SH SOLE 2,972 0 0
CISCO SYS INC COM 17275R102 829,476 11,956 SH SOLE 11,956 0 0
CITIGROUP INC COM 172967424 283,790 3,334 SH SOLE 3,334 0 0
CONSTELLATION ENERGY COR COM 21037T109 214,958 666 SH SOLE 666 0 0
CSX CORP COM 126408103 1,036,655 31,770 SH SOLE 31,770 0 0
DISNEY WALT CO COM 254687106 539,086 4,347 SH SOLE 4,347 0 0
DOW INC COM 260557103 215,581 8,141 SH SOLE 8,141 0 0
ELME COMMUNITIES REIT REIT RET 939653101 345,290 21,716 SH SOLE 21,716 0 0
ESSEX PPTY TR INC REIT RET 297178105 355,525 1,255 SH SOLE 1,255 0 0
EXXON MOBIL CORP COM 30231G102 432,834 4,015 SH SOLE 4,015 0 0
FIRST CTZNS BANCSHARES ICLASS A COM 31946M103 250,428 128 SH SOLE 128 0 0
FORD MTR CO DEL COM 345370860 111,039 10,234 SH SOLE 10,234 0 0
FRANKLIN FTSE ASIA EX JAPAN ETF UIE 35473P660 713,368 27,437 SH SOLE 27,437 0 0
FRANKLIN FTSE CANADA ETF UIE 35473P827 514,793 12,330 SH SOLE 12,330 0 0
FRANKLIN FTSE INDIA ETF UIE 35473P769 349,070 8,764 SH SOLE 8,764 0 0
FRANKLIN FTSE JAPAN ETF UIE 35473P744 366,832 11,410 SH SOLE 11,410 0 0
FRANKLIN FTSE LATIN AMERICA ETF UIE 35473P561 362,514 16,698 SH SOLE 16,698 0 0
GE AEROSPACE COM 369604301 948,482 3,685 SH SOLE 3,685 0 0
GE VERNOVA INC COM 36828A101 487,347 921 SH SOLE 921 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 987,984 1,396 SH SOLE 1,396 0 0
GSK PLC ADR FSPONSORED ADR 1 ADR REPS 2 ORD SHS ADR 37733W204 524,429 13,657 SH SOLE 13,657 0 0
HALEON PLC FSPONSORED ADR 1 ADR REPS 2 ORD SHS ADR 405552100 177,047 17,073 SH SOLE 17,073 0 0
HOME DEPOT INC COM 437076102 815,518 2,224 SH SOLE 2,224 0 0
HONEYWELL INTL INC COM 438516106 1,785,594 7,667 SH SOLE 7,667 0 0
IBM CORP COM 459200101 3,458,071 11,731 SH SOLE 11,731 0 0
INTEL CORP COM 458140100 389,256 17,378 SH SOLE 17,378 0 0
INTERNTNL PAPER CO COM 460146103 328,747 7,020 SH SOLE 7,020 0 0
INVESCO INDIA ETF UIE 46137R109 442,038 16,402 SH SOLE 16,402 0 0
ISHARES CHINA LARGE CAP ETF UIE 464287184 484,727 13,186 SH SOLE 13,186 0 0
ISHARES CORE MSCI EMERGING ETF UIE 46434G103 468,212 7,800 SH SOLE 7,800 0 0
ISHARES CORE MSCI PACIFIC ETF UIE 46434V696 633,460 9,221 SH SOLE 9,221 0 0
ISHARES CORE MSCI EUROPEETF UIE 46434V738 274,598 4,148 SH SOLE 4,148 0 0
ISHARES EUROPE ETF UIE 464287861 273,683 4,327 SH SOLE 4,327 0 0
ISHARES JP MRGN EM HIGH YLD BD ETF UIE 464286285 409,672 10,513 SH SOLE 10,513 0 0
ISHARES JPMORGAN USD MTSBOND ETF UIE 464288281 762,477 8,232 SH SOLE 8,232 0 0
ISHARES LATIN AMERICA 40ETF UIE 464287390 972,352 37,099 SH SOLE 37,099 0 0
ISHARES MBS ETF UIE 464288588 230,782 2,458 SH SOLE 2,458 0 0
ISHARES MSCI ALL COUNT ASA EX JP ETF UIE 464288182 296,771 3,592 SH SOLE 3,592 0 0
ISHARES MSCI CANADA ETF UIE 464286509 224,948 4,869 SH SOLE 4,869 0 0
ISHARES MSCI CHINA ETF UIE 46429B671 283,710 5,149 SH SOLE 5,149 0 0
ISHARES MSCI EAFE ETF UIE 464287465 274,249 3,068 SH SOLE 3,068 0 0
ISHARES MSCI EAFE GROWTHETF UIE 464288885 264,096 2,358 SH SOLE 2,358 0 0
ISHARES MSCI EMERGING MARKETS ASIA E UIE 464286426 494,557 5,991 SH SOLE 5,991 0 0
ISHARES MSCI INDIA INDEXETF UIE 46429B598 370,606 6,656 SH SOLE 6,656 0 0
ISHARES MSCI JAPAN ETF UIE 46434G822 306,103 4,083 SH SOLE 4,083 0 0
ISHARES MSCI JAPAN SMALLCAP ETF UIE 464286582 477,931 5,630 SH SOLE 5,630 0 0
ISHARES MSCI PACIFIC EX JAPAN ETF UIE 464286665 403,007 8,163 SH SOLE 8,163 0 0
JOHNSON & JOHNSON COM 478160104 572,502 3,748 SH SOLE 3,748 0 0
JPMORGAN BETABUILDERS CANADA ETF UIE 46641Q225 860,764 10,666 SH SOLE 10,666 0 0
JPMORGAN BETABUILDERS EUROPE ETF UIE 46641Q191 717,929 10,642 SH SOLE 10,642 0 0
JPMORGAN BETABUILDERS JAPAN ETF UIE 46641Q217 335,033 5,423 SH SOLE 5,423 0 0
JPMORGAN CHASE & CO COM 46625H100 1,610,384 5,555 SH SOLE 5,555 0 0
KIMCO RLTY CORP REIT RET 49446R109 228,771 10,883 SH SOLE 10,883 0 0
MARRIOTT INTL INC NEW CLASS A COM 571903202 202,175 740 SH SOLE 740 0 0
MARSH & MCLENNAN COS INC COM 571748102 327,960 1,500 SH SOLE 1,500 0 0
MCDONALDS CORP COM 580135101 726,117 2,485 SH SOLE 2,485 0 0
MERCK & CO. INC. COM 58933Y105 580,718 7,336 SH SOLE 7,336 0 0
MICROSOFT CORP COM 594918104 2,089,051 4,200 SH SOLE 4,200 0 0
MONDELEZ INTL INC CLASS A COM 609207105 230,982 3,425 SH SOLE 3,425 0 0
NIKE INC CLASS B COM 654106103 309,845 4,362 SH SOLE 4,362 0 0
PHILIP MORRIS INTL INC COM 718172109 892,437 4,900 SH SOLE 4,900 0 0
PPL CORP COM 69351T106 342,289 10,100 SH SOLE 10,100 0 0
PROCTER & GAMBLE CO COM 742718109 1,599,896 10,042 SH SOLE 10,042 0 0
PROLOGIS INC REIT RET 74340W103 293,810 2,795 SH SOLE 2,795 0 0
RTX CORP COM 75513E101 339,658 2,326 SH SOLE 2,326 0 0
SALESFORCE INC COM 79466L302 255,374 937 SH SOLE 937 0 0
SCHWAB EMERGING MARKETS EQUITY ETF UIE 808524706 398,684 13,228 SH SOLE 13,228 0 0
SCHWAB INTERNATNAL SMALLCAP EQY ETF UIE 808524888 823,568 19,337 SH SOLE 19,337 0 0
SCHWAB US LARGE CAP GROWTH ETF UIE 808524300 403,799 13,824 SH SOLE 13,824 0 0
SCHWAB US SMALL CAP ETF UIE 808524607 671,380 26,537 SH SOLE 26,537 0 0
SIMON PPTY GROUP INC NEWREIT RET 828806109 543,851 3,383 SH SOLE 3,383 0 0
SPDR BLMBRG BRCLY HGH YDBND ETF UIE 78468R622 477,096 4,905 SH SOLE 4,905 0 0
SPDR PORTFOLIO DEVELOPEDWORLD EX-US UIE 78463X889 276,992 6,841 SH SOLE 6,841 0 0
SPDR PORTFOLIO HIGH YIELD BOND ETF UIE 78468R606 529,622 22,253 SH SOLE 22,253 0 0
SPDR S&P CHINA ETF UIE 78463X400 798,958 9,126 SH SOLE 9,126 0 0
SPDR S&P EMERGING ASIA PACIFIC ETF UIE 78463X301 467,894 3,702 SH SOLE 3,702 0 0
THE COCA-COLA CO COM 191216100 595,821 8,422 SH SOLE 8,422 0 0
TRAVELERS COS INC COM 89417E109 1,066,620 3,987 SH SOLE 3,987 0 0
UMH PPTYS INC REIT RET 903002103 194,957 11,612 SH SOLE 11,612 0 0
UNION PAC CORP COM 907818108 552,192 2,400 SH SOLE 2,400 0 0
UNITEDHEALTH GROUP INC COM 91324P102 641,650 2,057 SH SOLE 2,057 0 0
VANECK AFRICA INDEX ETF UIE 92189F866 471,946 23,410 SH SOLE 23,410 0 0
VANECK EMERGING MRK HGH YLD BND ETF UIE 92189F353 335,543 16,930 SH SOLE 16,930 0 0
VANGUARD EMERGING MKTS GOV BOND ETF UIE 921946885 1,108,130 16,957 SH SOLE 16,957 0 0
VANGUARD EXTENDED MARKETETF UIE 922908652 1,277,561 6,629 SH SOLE 6,629 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF UIE 921943858 404,144 7,089 SH SOLE 7,089 0 0
VANGUARD FTSE EMERGING MARKETS ETF UIE 922042858 273,464 5,529 SH SOLE 5,529 0 0
VANGUARD FTSE EUROPE ETF UIE 922042874 718,076 9,265 SH SOLE 9,265 0 0
VANGUARD FTSE PACIFIC ETF UIE 922042866 575,884 7,008 SH SOLE 7,008 0 0
VANGUARD GLBAL EX US REAL ESTATE ETF UIE 922042676 614,270 13,310 SH SOLE 13,310 0 0
VANGUARD MID CAP ETF UIE 922908629 1,495,864 5,345 SH SOLE 5,345 0 0
VANGUARD MORTGAGE BACKEDSEC ETF UIE 92206C771 234,064 5,051 SH SOLE 5,051 0 0
VANGUARD S&P 500 ETF UIE 922908363 776,155 1,366 SH SOLE 1,366 0 0
VANGUARD SMALL CAP ETF UIE 922908751 3,426,568 14,459 SH SOLE 14,459 0 0
VANGUARD TOTAL INTERNATIONAL BOND ET UIE 92203J407 214,279 4,328 SH SOLE 4,328 0 0
VANGUARD TOTAL STOCK MARKET ETF UIE 922908769 2,707,550 8,908 SH SOLE 8,908 0 0
VERIZON COMMUNICATIONS I COM 92343V104 640,187 14,795 SH SOLE 14,795 0 0
VGRD FTSE ALL WRLD EX USSML CAP ETF UIE 922042718 700,441 5,212 SH SOLE 5,212 0 0
VISA INC CLASS A COM 92826C839 957,409 2,697 SH SOLE 2,697 0 0
VORNADO RLTY TR REIT RET 929042109 202,319 5,291 SH SOLE 5,291 0 0
WALGREENS BOOTS ALLIANCE COM 931427108 125,483 10,931 SH SOLE 10,931 0 0
WALMART INC COM 931142103 1,827,144 18,686 SH SOLE 18,686 0 0