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
ABBVIE INC COM 00287Y109 235,542 1,083 SH SOLE 0 0 1,083
ALPHABET INC CAP STK CL C 02079K107 438,896 1,530 SH SOLE 0 0 1,530
ALPHABET INC CAP STK CL A 02079K305 454,345 1,580 SH SOLE 0 0 1,580
AMAZON COM INC COM 023135106 215,768 1,036 SH SOLE 0 0 1,036
AMERICAN CENTY ETF TR US SML CP VALU 025072877 758,597 6,867 SH SOLE 0 0 6,867
AMERICAN CENTY ETF TR US EQT ETF 025072885 407,919 3,669 SH SOLE 0 0 3,669
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 2,947,826 29,520 SH SOLE 0 0 29,520
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 722,319 8,964 SH SOLE 0 0 8,964
APPLE INC COM 037833100 1,129,366 4,450 SH SOLE 0 0 4,450
AT&T INC COM 00206R102 333,675 11,510 SH SOLE 0 0 11,510
AVALONBAY CMNTYS INC COM 053484101 214,969 1,316 SH SOLE 0 0 1,316
BANK AMERICA CORP COM 060505104 388,538 7,970 SH SOLE 0 0 7,970
BANK OZK LITTLE ROCK ARK COM 06417N103 1,642,862 35,800 SH SOLE 0 0 35,800
CARDINAL HEALTH INC COM 14149Y108 1,131,354 5,354 SH SOLE 0 0 5,354
CATERPILLAR INC COM 149123101 232,411 328 SH SOLE 0 0 328
CENTERPOINT ENERGY INC COM 15189T107 215,800 5,000 SH SOLE 0 0 5,000
CHEVRON CORPORATION COM 166764100 705,736 3,411 SH SOLE 0 0 3,411
DEERE & CO COM 244199105 495,704 880 SH SOLE 0 0 880
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 266,603 6,843 SH SOLE 0 0 6,843
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 1,830,431 25,813 SH SOLE 0 0 25,813
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 4,034,173 103,813 SH SOLE 0 0 103,813
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 3,161,444 44,446 SH SOLE 0 0 44,446
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 4,044,895 64,770 SH SOLE 0 0 64,770
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 3,408,779 64,585 SH SOLE 0 0 64,585
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 4,869,294 143,341 SH SOLE 0 0 143,341
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 8,230,409 171,897 SH SOLE 0 0 171,897
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 774,386 21,066 SH SOLE 0 0 21,066
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 300,608 8,579 SH SOLE 0 0 8,579
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 1,089,519 33,815 SH SOLE 0 0 33,815
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 457,820 11,608 SH SOLE 0 0 11,608
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 1,263,456 36,569 SH SOLE 0 0 36,569
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 8,148,694 168,153 SH SOLE 0 0 168,153
DUKE ENERGY CORP NEW COM NEW 26441C204 350,265 2,675 SH SOLE 0 0 2,675
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532 1,129,574 44,524 SH SOLE 0 0 44,524
ELI LILLY & CO COM 532457108 296,166 322 SH SOLE 0 0 322
ENTERPRISE PRODS PARTNERS L COM 293792107 397,320 10,500 SH SOLE 0 0 10,500
EXXON MOBIL CORP COM 30231G102 812,502 4,789 SH SOLE 0 0 4,789
FIFTH THIRD BANCORP COM 316773100 850,636 18,309 SH SOLE 0 0 18,309
GENERAL DYNAMICS CORP COM 369550108 244,373 712 SH SOLE 0 0 712
HOME DEPOT INC COM 437076102 266,401 810 SH SOLE 0 0 810
HONEYWELL INTL INC COM 438516106 547,671 2,423 SH SOLE 0 0 2,423
INGLES MKTS INC CL A 457030104 346,796 3,858 SH SOLE 0 0 3,858
ISHARES INC CORE MSCI EMKT 46434G103 1,372,554 19,678 SH SOLE 0 0 19,678
ISHARES TR MSCI INTL QUALTY 46434V456 515,557 11,152 SH SOLE 0 0 11,152
ISHARES TR CORE MSCI INTL 46435G326 2,860,435 34,228 SH SOLE 0 0 34,228
ISHARES TR CORE S&P TTL STK 464287150 4,453,548 31,268 SH SOLE 0 0 31,268
ISHARES TR 3 7 YR TREAS BD 464288661 1,932,587 16,295 SH SOLE 0 0 16,295
ISHARES TR EAFE SML CP ETF 464288273 329,557 4,203 SH SOLE 0 0 4,203
ISHARES TR SHRT NAT MUN ETF 464288158 2,200,290 20,660 SH SOLE 0 0 20,660
JPMORGAN CHASE & CO COM 46625H100 466,244 1,585 SH SOLE 0 0 1,585
LOWES COS INC COM 548661107 932,833 3,948 SH SOLE 0 0 3,948
MASTERCARD INCORPORATED CL A 57636Q104 792,461 1,586 SH SOLE 0 0 1,586
MICROSOFT CORP COM 594918104 962,812 2,601 SH SOLE 0 0 2,601
NATIONAL HEALTH INVS INC COM 63633D104 380,527 4,706 SH SOLE 0 0 4,706
NEXTERA ENERGY INC COM 65339F101 370,963 3,994 SH SOLE 0 0 3,994
OLD REP INTL CORP COM 680223104 696,255 17,450 SH SOLE 0 0 17,450
PHILIP MORRIS INTL INC COM 718172109 322,413 1,950 SH SOLE 0 0 1,950
PIMCO ETF TR 1-5 US TIP IDX 72201R205 1,514,985 28,000 SH SOLE 0 0 28,000
PROCTER & GAMBLE CO COM 742718109 295,524 2,046 SH SOLE 0 0 2,046
REGIONS FINANCIAL CORP NEW COM 7591EP100 501,217 19,189 SH SOLE 0 0 19,189
ROSS STORES INC COM 778296103 365,022 1,685 SH SOLE 0 0 1,685
ROYAL BK CDA COM 780087102 1,043,481 6,450 SH SOLE 0 0 6,450
SOUTHERN CO COM 842587107 333,477 3,455 SH SOLE 0 0 3,455
SPDR INDEX SHS FDS STATE STREET SPD 78463X889 606,734 13,291 SH SOLE 0 0 13,291
SPDR SERIES TRUST STATE STREET SPD 78464A805 1,165,423 14,741 SH SOLE 0 0 14,741
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 290,702 447 SH SOLE 0 0 447
TRAVELERS COMPANIES INC COM 89417E109 422,061 1,447 SH SOLE 0 0 1,447
TRUIST FINL CORP COM 89832Q109 392,998 8,549 SH SOLE 0 0 8,549
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,388,214 68,718 SH SOLE 0 0 68,718
VANGUARD INDEX FDS MID CAP ETF 922908629 208,493 726 SH SOLE 0 0 726
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,381,729 4,307 SH SOLE 0 0 4,307
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 422,995 7,826 SH SOLE 0 0 7,826
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4,675,745 93,609 SH SOLE 0 0 93,609
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 9,626,138 161,648 SH SOLE 0 0 161,648
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,126,368 19,241 SH SOLE 0 0 19,241
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 993,875 15,510 SH SOLE 0 0 15,510
WASTE MGMT INC DEL COM 94106L109 549,428 2,391 SH SOLE 0 0 2,391