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 354,944 1,632 SH SOLE 1,632 0 0
ALPHABET INC CAP STK CL C 02079K107 504,874 1,760 SH SOLE 1,760 0 0
ALTRIA GROUP INC COM 02209S103 237,564 3,600 SH SOLE 3,600 0 0
APPLE INC COM 037833100 3,347,490 13,190 SH SOLE 13,190 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 698,674 1,458 SH SOLE 1,458 0 0
CHEVRON CORPORATION COM 166764100 580,355 2,805 SH SOLE 2,805 0 0
CORNING INC COM 219350105 251,273 1,848 SH SOLE 1,848 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 265,050 266 SH SOLE 266 0 0
CSX CORP COM 126408103 519,036 12,644 SH SOLE 12,644 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 299,885 4,802 SH SOLE 4,802 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 1,249,314 17,564 SH SOLE 17,564 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 235,692 1,800 SH SOLE 1,800 0 0
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 272,251 2,935 SH SOLE 2,935 0 0
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 764,586 12,790 SH SOLE 12,790 0 0
FIRST TR EXCHANGE-TRADED FD SHS 336917109 341,884 6,730 SH SOLE 6,730 0 0
FIRST TR EXCHANGE-TRADED FD SHS 33734H106 232,328 4,940 SH SOLE 4,940 0 0
GE AEROSPACE COM NEW 369604301 230,137 811 SH SOLE 811 0 0
GE VERNOVA INC COM 36828A101 239,175 274 SH SOLE 274 0 0
ISHARES INC MSCI EMERG MRKT 464286533 320,200 4,947 SH SOLE 4,947 0 0
ISHARES INC MSCI EMRG CHN 46434G764 367,106 4,667 SH SOLE 4,667 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718 5,198,183 51,641 SH SOLE 51,641 0 0
ISHARES TR CORE MSCI EAFE 46432F842 8,463,286 93,486 SH SOLE 93,486 0 0
ISHARES TR CORE 40/60 MODER 464289875 227,518 4,803 SH SOLE 4,803 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,097,304 21,593 SH SOLE 21,593 0 0
ISHARES TR EAFE SML CP ETF 464288273 745,052 9,502 SH SOLE 9,502 0 0
ISHARES TR CORE 80/20 AGGRE 464289859 352,544 3,984 SH SOLE 3,984 0 0
ISHARES TR CORE S&P500 ETF 464287200 516,036 790 SH SOLE 790 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,171,578 17,349 SH SOLE 17,349 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 647,679 6,262 SH SOLE 6,262 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 495,510 5,343 SH SOLE 5,343 0 0
ISHARES TR US OIL GS EX ETF 464288851 374,700 3,000 SH SOLE 3,000 0 0
ISHARES TR SELECT DIVID ETF 464287168 249,827 1,650 SH SOLE 1,650 0 0
JOHNSON & JOHNSON COM 478160104 374,604 1,533 SH SOLE 1,533 0 0
JPMORGAN CHASE & CO COM 46625H100 205,912 700 SH SOLE 700 0 0
LABCORP HOLDINGS INC COM SHS 504922105 227,856 854 SH SOLE 854 0 0
LOEWS CORP COM 540424108 800,550 7,500 SH SOLE 7,500 0 0
LOWES COS INC COM 548661107 716,637 3,033 SH SOLE 3,033 0 0
MCDONALDS CORP COM 580135101 205,743 662 SH SOLE 662 0 0
MICROSOFT CORP COM 594918104 1,412,569 3,816 SH SOLE 3,816 0 0
NUVEEN MUN CR OPPORTUNITIES COM 670663103 176,686 16,700 SH SOLE 16,700 0 0
PFIZER INC COM 717081103 236,686 8,429 SH SOLE 8,429 0 0
PGIM ETF TR ACTV HY BD ETF 69344A206 644,395 18,608 SH SOLE 18,608 0 0
PHILIP MORRIS INTL INC COM 718172109 694,428 4,200 SH SOLE 4,200 0 0
PIMCO ETF TR INTER MUN BD ACT 72201R866 4,253,224 81,495 SH SOLE 81,495 0 0
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 1,048,099 20,775 SH SOLE 20,775 0 0
PIMCO ETF TR MTG BKD SECS ACT 72201R569 1,356,089 27,340 SH SOLE 27,340 0 0
RAYMOND JAMES FINL INC COM 754730109 231,664 1,600 SH SOLE 1,600 0 0
RTX CORPORATION COM 75513E101 468,747 2,430 SH SOLE 2,430 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,057,962 32,108 SH SOLE 32,108 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,107,931 68,707 SH SOLE 68,707 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,752,375 65,854 SH SOLE 65,854 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,156,551 24,744 SH SOLE 24,744 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A508 3,208,176 56,702 SH SOLE 56,702 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R622 205,894 2,151 SH SOLE 2,151 0 0
SSGA ACTIVE TR STATE STREET DOU 78470P200 249,365 5,291 SH SOLE 5,291 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 383,701 590 SH SOLE 590 0 0
VANECK ETF TRUST IG FLOATING RATE 92189F486 2,038,739 80,013 SH SOLE 80,013 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 2,246,440 29,107 SH SOLE 29,107 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 452,641 6,581 SH SOLE 6,581 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 10,383,128 23,771 SH SOLE 23,771 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,302,667 20,245 SH SOLE 20,245 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 3,095,510 15,777 SH SOLE 15,777 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 7,596,653 26,453 SH SOLE 26,453 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 8,488,874 14,206 SH SOLE 14,206 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 706,243 7,962 SH SOLE 7,962 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 207,402 694 SH SOLE 694 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 350,325 1,092 SH SOLE 1,092 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,067,049 56,745 SH SOLE 56,745 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,656,331 22,055 SH SOLE 22,055 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 589,557 11,803 SH SOLE 11,803 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 590,797 11,842 SH SOLE 11,842 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,395,995 16,870 SH SOLE 16,870 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,169,224 19,386 SH SOLE 19,386 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 3,823,949 43,228 SH SOLE 43,228 0 0
WALMART INC COM 931142103 218,111 1,755 SH SOLE 1,755 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 235,011 4,473 SH SOLE 4,473 0 0