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 297,267 1,836 SH SOLE 1,836 0 0
ABBOTT LABORATORIES Equities 002824100 808,856 8,914 SH SOLE 8,914 0 0
ABBVIE INC Equities 00287Y109 2,093,896 8,322 SH SOLE 8,322 0 0
ACCENTURE PLC Equities G1151C101 258,337 2,076 SH SOLE 2,076 0 0
ADVANCED MICRO DEV Equities 007903107 1,014,269 1,746 SH SOLE 1,746 0 0
AFLAC INCORPORATED Equities 001055102 357,261 3,047 SH SOLE 3,047 0 0
AIR PRODS & CHEMS Equities 009158106 386,704 1,319 SH SOLE 1,319 0 0
ALCON INC Equities H01301128 202,978 3,025 SH SOLE 3,025 0 0
ALPHABET INC CL A Equities 02079K305 2,315,758 6,480 SH SOLE 6,480 0 0
ALPHABET INC CL C Equities 02079K107 3,396,561 9,613 SH SOLE 9,613 0 0
AMAZON.COM INC Equities 023135106 4,121,614 17,293 SH SOLE 17,033 0 260
AMERICAN EXPRESS CO Equities 025816109 425,857 1,259 SH SOLE 1,259 0 0
AMGEN INC Equities 031162100 385,658 1,065 SH SOLE 1,065 0 0
ANALOG DEVICES INC Equities 032654105 1,423,060 3,583 SH SOLE 3,583 0 0
APPLE COMPUTER INC Equities 037833100 147,574 510 SH DFND 510 0 0
APPLE COMPUTER INC Equities 037833100 27,045,611 93,467 SH SOLE 92,975 0 492
APPLIED MATERIALS Equities 038222105 728,061 1,007 SH SOLE 1,007 0 0
ASML HOLDING NV NY REG SHS Equities N07059210 342,184 172 SH SOLE 172 0 0
AUTOMATIC DATA PRO Equities 053015103 697,828 3,116 SH SOLE 3,116 0 0
BANK OF AMERICA CORP Equities 060505104 1,340,398 23,524 SH SOLE 23,524 0 0
BECTON, DICKINSON Equities 075887109 313,253 2,070 SH SOLE 2,070 0 0
BERKSHIRE HATHAWAY INC DELCL B Equities 084670702 6,568,119 13,126 SH SOLE 13,126 0 0
BROADCOM INC Equities 11135F101 2,646,139 7,005 SH SOLE 7,005 0 0
CANADIAN NATL RR Equities 136375102 543,496 4,558 SH SOLE 4,558 0 0
CHARLES SCHWAB CORP Equities 808513105 269,613 2,922 SH SOLE 2,922 0 0
CHEVRON CORP Equities 166764100 496,617 2,996 SH SOLE 2,996 0 0
CISCO SYSTEMS INC Equities 17275R102 337,932 2,877 SH SOLE 2,877 0 0
CMS ENERGY CORP Equities 125896100 336,906 4,404 SH SOLE 4,404 0 0
COCA COLA CO Equities 191216100 955,166 11,753 SH SOLE 11,753 0 0
COPART INC Equities 217204106 314,149 11,144 SH SOLE 11,144 0 0
CORNING INC Equities 219350105 766,290 3,000 SH SOLE 3,000 0 0
COSTCO WHSL CORP NEW Equities 22160K105 898,987 961 SH SOLE 961 0 0
D B A CHUBB LIMITED Equities H1467J104 428,651 1,258 SH SOLE 1,258 0 0
DFA DIMENSIONAL EMERGING MKTS C Mutual Funds 25434V732 16,994,245 418,165 SH SOLE 418,165 0 0
DFA DIMENSIONAL INTL CORE EQUIT Mutual Funds 25434V799 39,682,591 1,065,016 SH SOLE 1,065,016 0 0
DFA U.S. SMALL CAP VALUE ETF Mutual Funds 25434V815 15,606,045 402,318 SH SOLE 402,318 0 0
DIMENSIONAL U.S. CORE EQUITY 2 Mutual Funds 25434V708 57,720,448 1,301,185 SH SOLE 1,301,185 0 0
DIMENSIONAL U.S. MARKETWIDE VAL Mutual Funds 25434V724 2,854,350 51,888 SH DFND 51,888 0 0
DIMENSIONAL U.S. MARKETWIDE VAL Mutual Funds 25434V724 91,898,659 1,670,578 SH SOLE 1,656,725 0 13,853
DIMENSIONAL U.S. TARGETED VALUE Mutual Funds 25434V609 6,110,972 87,424 SH DFND 87,424 0 0
DIMENSIONAL U.S. TARGETED VALUE Mutual Funds 25434V609 116,501,063 1,666,686 SH SOLE 1,658,092 0 8,594
DIMENSIONAL WORLD EX U.S. CORE Mutual Funds 25434V880 13,205,411 358,451 SH SOLE 358,451 0 0
DISNEY WALT CO Equities 254687106 330,041 3,429 SH SOLE 3,429 0 0
DOVER CORP. Equities 260003108 337,766 1,506 SH SOLE 1,506 0 0
DUKE ENERGY CORP NEW Equities 26441C204 1,899,080 15,003 SH SOLE 15,003 0 0
EATON CORP NEW Equities G29183103 227,122 533 SH SOLE 533 0 0
EBAY INC. Equities 278642103 241,380 2,160 SH SOLE 2,160 0 0
EMERSON ELECTRIC CO Equities 291011104 214,296 1,497 SH SOLE 1,497 0 0
EXXON MOBIL CORP Equities 30231G102 1,573,510 11,509 SH SOLE 11,509 0 0
FIRST CITIZENS CL A Equities 31946M103 1,970,508 947 SH SOLE 947 0 0
FIRST FINANCIAL BANCORP OHIO Equities 320209109 3,952,054 116,821 SH SOLE 116,821 0 0
FREEPORT MCMORAN COPPER & GOLD Equities 35671D857 236,152 3,755 SH SOLE 3,755 0 0
GALLAGHER ARTHUR J & CO Equities 363576109 330,351 1,439 SH SOLE 1,439 0 0
GENERAL DYNAMICS Equities 369550108 523,212 1,477 SH SOLE 1,477 0 0
GENERAL ELEC CO Equities 369604301 1,094,655 2,930 SH SOLE 2,930 0 0
HILTON WORLDWIDE HLDGS WI Equities 43300A203 408,779 1,237 SH SOLE 1,237 0 0
HOME DEPOT, INC. Equities 437076102 1,581,417 4,484 SH SOLE 4,484 0 0
IBM CORP. Equities 459200101 838,287 2,981 SH SOLE 2,981 0 0
ILLINOIS TOOL WORKS Equities 452308109 424,638 1,570 SH SOLE 1,570 0 0
INTEL CORP Equities 458140100 290,012 2,077 SH SOLE 2,077 0 0
INVESCO FTSE RAFI US 1000 ETF Mutual Funds 46137V613 683,480 12,650 SH SOLE 12,650 0 0
INVESCO QQQ TRUST SERIES 1 Mutual Funds 46090E103 564,082 766 SH SOLE 766 0 0
INVESTORS TITLE COMPANY Equities 461804106 372,752 1,362 SH SOLE 1,362 0 0
ISHARES S&P MIDCAP 400 Mutual Funds 464287507 347,997 4,513 SH SOLE 4,513 0 0
ISHARES CORE MSCI EAFE Mutual Funds 46432F842 558,522 5,783 SH SOLE 5,783 0 0
ISHARES CORE MSCI EMERGING MARK Mutual Funds 46434G103 993,831 11,997 SH SOLE 11,997 0 0
ISHARES CORE S&P 500 Mutual Funds 464287200 5,823,369 7,776 SH SOLE 7,776 0 0
ISHARES CORE S&P SMALL CAP Mutual Funds 464287804 202,740 1,367 SH SOLE 1,367 0 0
ISHARES CORE US AGGREGATE BOND Mutual Funds 464287226 391,763 3,958 SH SOLE 3,958 0 0
ISHARES EDGE MSCI MIN VOL USA E Mutual Funds 46429B697 501,110 5,195 SH SOLE 5,195 0 0
ISHARES EDGE MSCI USA MOMENTUM Mutual Funds 46432F396 591,382 1,725 SH SOLE 1,725 0 0
ISHARES MSCI EAFE Mutual Funds 464287465 915,910 8,817 SH SOLE 8,817 0 0
ISHARES MSCI EAFE SMALL CAP Mutual Funds 464288273 1,730,549 21,035 SH SOLE 21,035 0 0
ISHARES MSCI EMERGING MKTS SMAL Mutual Funds 464286475 788,877 10,395 SH SOLE 10,395 0 0
ISHARES RUSSELL 1000 GROWTH Mutual Funds 464287614 2,761,541 22,240 SH SOLE 22,240 0 0
ISHARES RUSSELL 1000 VALUE Mutual Funds 464287598 1,454,580 6,000 SH SOLE 6,000 0 0
ISHARES RUSSELL 2000 Mutual Funds 464287655 250,575 834 SH SOLE 834 0 0
ISHARES RUSSELL 2000 GROWTH Mutual Funds 464287648 305,319 775 SH SOLE 775 0 0
ISHARES RUSSELL MID-CAP ETF Mutual Funds 464287499 677,916 6,145 SH SOLE 6,145 0 0
ISHARES RUSSELL MIDCAP GROWTH F Mutual Funds 464287481 228,839 1,563 SH SOLE 1,563 0 0
ISHARES S&P 500 GROWTH Mutual Funds 464287309 985,127 7,163 SH SOLE 7,163 0 0
ISHARES S&P SMALL-CAP 600 VALUE Mutual Funds 464287879 263,929 1,931 SH SOLE 1,931 0 0
ISHARES SEMICONDUCTOR ETF Mutual Funds 464287523 347,933 543 SH SOLE 543 0 0
J.P. MORGAN CHASE & Equities 46625H100 2,520,768 7,701 SH SOLE 7,701 0 0
JOHNSON & JOHNSON Equities 478160104 2,322,048 9,143 SH SOLE 9,143 0 0
KIMBERLY-CLARK Equities 494368103 263,448 2,400 SH SOLE 2,400 0 0
KLA TENCOR CORP Equities 482480100 2,105,936 6,980 SH SOLE 6,980 0 0
L3HARRIS TECHNOLOGIES INC Equities 502431109 646,563 2,225 SH SOLE 2,225 0 0
LILLY ELI & CO. Equities 532457108 1,033,909 862 SH SOLE 862 0 0
LINDE PLC SHS Equities G54950103 687,077 1,324 SH SOLE 1,324 0 0
LIVE OAK BANCSHARES INC Equities 53803X105 6,840,700 167,500 SH SOLE 167,500 0 0
LOWES COMPANIES Equities 548661107 1,754,659 7,958 SH SOLE 7,958 0 0
MARATHON PETROLEUM CORPORATION Equities 56585A102 413,418 1,617 SH SOLE 1,617 0 0
MASTERCARD INC Equities 57636Q104 850,522 1,656 SH SOLE 1,656 0 0
MCDONALDS CORP Equities 580135101 942,841 3,488 SH SOLE 3,488 0 0
MERCK & CO INC NEWCOM Equities 58933Y105 1,340,255 10,430 SH SOLE 10,430 0 0
META PLATFORMS INC. CL A Equities 30303M102 1,356,966 2,409 SH SOLE 2,409 0 0
MICROSOFT CORPORATION Equities 594918104 93,255 250 SH DFND 250 0 0
MICROSOFT CORPORATION Equities 594918104 7,431,677 19,923 SH SOLE 19,923 0 0
MOTOROLA SOLUTIONS INC COM NEW Equities 620076307 326,833 787 SH SOLE 787 0 0
NCINO INC COM Equities 63947X101 1,270,755 77,722 SH SOLE 77,722 0 0
NEXTERA ENERGY INCCOM Equities 65339F101 467,112 5,322 SH SOLE 5,322 0 0
NVIDIA CORP Equities 67066G104 2,259,416 11,292 SH SOLE 11,292 0 0
O'REILLY AUTOMOTIVE INC Equities 67103H107 204,348 2,219 SH SOLE 2,219 0 0
ORACLE CORP Equities 68389X105 839,878 5,731 SH SOLE 5,731 0 0
PARKER HANNIFIN CORP Equities 701094104 481,235 492 SH SOLE 492 0 0
PAYCHEX INC Equities 704326107 460,184 4,680 SH SOLE 4,680 0 0
PEPSICO, INC. Equities 713448108 303,567 2,242 SH SOLE 2,242 0 0
PFIZER INC Equities 717081103 472,618 19,627 SH SOLE 19,627 0 0
PHILIP MORRIS INTL INC Equities 718172109 263,405 1,456 SH SOLE 1,456 0 0
PROCTER & GAMBLE CO Equities 742718109 1,436,192 9,794 SH SOLE 9,794 0 0
QUANTA SERVICES Equities 74762E102 217,452 302 SH SOLE 302 0 0
RAYTHEON TECHNOLOGIES CORP COM Equities 75513E101 515,496 2,717 SH SOLE 2,717 0 0
ROYAL BANK OF CANADA Equities 780087102 5,556,524 26,847 SH SOLE 26,847 0 0
SCHWAB US LARGE CAP GROWTH ETF Mutual Funds 808524300 335,693 9,920 SH SOLE 9,920 0 0
SONOCO PRODUCTS CO Equities 835495102 1,023,372 18,161 SH SOLE 18,161 0 0
SOUTHERN CO. Equities 842587107 376,332 3,932 SH SOLE 3,932 0 0
SPDR PORTFOLIO LARGE CAP ETF Mutual Funds 78464A854 534,223 6,079 SH SOLE 6,079 0 0
SPDR S&P 500 Mutual Funds 78462F103 3,685,310 4,935 SH SOLE 4,935 0 0
SPDR S&P MIDCAP 400 Mutual Funds 78467Y107 205,375 292 SH SOLE 292 0 0
STATE STREET CORP Equities 857477103 698,243 4,117 SH SOLE 4,117 0 0
SYSCO CORP Equities 871829107 246,645 2,951 SH SOLE 2,951 0 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100 3,824,381 8,008 SH SOLE 8,008 0 0
TARGET CORP. Equities 87612E106 379,291 2,904 SH SOLE 2,904 0 0
TG THERAPEUTICS INC Equities 88322Q108 421,665 7,675 SH SOLE 7,675 0 0
THERMO FISHER SCIENTIFIC, INC Equities 883556102 342,930 684 SH SOLE 684 0 0
TJX COS INC Equities 872540109 509,495 3,363 SH SOLE 3,363 0 0
TRUIST FINANCIAL ORD SHS Equities 89832Q109 1,586,468 31,844 SH SOLE 31,844 0 0
UNION PACIFIC CORP Equities 907818108 331,024 1,217 SH SOLE 1,217 0 0
UNITEDHEALTH GRP INC Equities 91324P102 734,418 1,767 SH SOLE 1,767 0 0
VANGUARD DIVIDEND APPRECIATION Mutual Funds 921908844 230,705 975 SH SOLE 975 0 0
VANGUARD FTSE ALL WORLD EX US Mutual Funds 922042775 200,414 2,393 SH SOLE 2,393 0 0
VANGUARD FTSE ALL WORLD SC ETF Mutual Funds 922042718 658,818 4,270 SH SOLE 4,270 0 0
VANGUARD FTSE DEVELOPED MKTS ET Mutual Funds 921943858 15,569,721 218,522 SH SOLE 218,522 0 0
VANGUARD FTSE EMERGING MARKETS Mutual Funds 922042858 6,236,360 104,479 SH SOLE 104,479 0 0
VANGUARD GROWTH ETF Mutual Funds 922908736 31,984,757 371,311 SH SOLE 371,311 0 0
VANGUARD LARGE CAP ETF Mutual Funds 922908637 509,675 1,482 SH SOLE 1,482 0 0
VANGUARD MID-CAP ETF Mutual Funds 922908629 29,255,289 363,104 SH SOLE 363,104 0 0
VANGUARD S&P 500 Mutual Funds 922908363 49,652,242 72,294 SH SOLE 72,294 0 0
VANGUARD SMALL CAP GROWTH ETF Mutual Funds 922908595 11,833,949 32,358 SH SOLE 32,358 0 0
VANGUARD SMALL CAP VALUE ETF Mutual Funds 922908611 3,270,159 13,458 SH SOLE 13,458 0 0
VANGUARD SMALL-CAP ETF Mutual Funds 922908751 16,989,545 56,049 SH SOLE 56,049 0 0
VANGUARD VALUE ETF Mutual Funds 922908744 13,678,159 62,764 SH SOLE 62,764 0 0
VERTEX PHARMACEUTICALS INC Equities 92532F100 414,273 834 SH SOLE 834 0 0
VISA INC Equities 92826C839 2,249,641 6,557 SH SOLE 6,557 0 0
VULCAN MATERIALS CO Equities 929160109 310,646 1,053 SH SOLE 1,053 0 0
WAL-MART STORES INC Equities 931142103 3,066,061 27,071 SH SOLE 27,071 0 0
WASTE MANAGEMENT INC Equities 94106L109 1,187,282 5,327 SH SOLE 5,327 0 0
WELLS FARGO & CO NEW Equities 949746101 299,239 3,621 SH SOLE 3,621 0 0
ZOETIS INC Equities 98978V103 217,305 3,024 SH SOLE 3,024 0 0