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
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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
CSX CORP COM 126408103 785,243 16,521 SH SOLE 0 0 16,521
APPLE INC COM 037833100 2,137,213 7,386 SH SOLE 1 0 0 7,386
ISHARES TR CORE INTL AGGR 46435G672 18,885,590 373,233 SH SOLE 1 0 0 373,233
ISHARES TR CORE S&P500 ETF 464287200 4,294,884 5,735 SH SOLE 1 0 0 5,735
ISHARES TR RUS MID CAP ETF 464287499 1,125,374 10,201 SH SOLE 1 0 0 10,201
ISHARES TR RUS TOP 200 ETF 464289446 3,299,693 17,841 SH SOLE 1 0 0 17,841
ISHARES TR S&P 500 VAL ETF 464287408 1,454,093 6,404 SH SOLE 1 0 0 6,404
ISHARES TR CORE S&P MCP ETF 464287507 210,202 2,726 SH SOLE 1 0 0 2,726
ISHARES TR CORE UNIVRSL USD 46434V613 135,955,501 2,945,948 SH SOLE 1 0 0 2,945,948
ISHARES TR RUS MD CP GR ETF 464287481 391,647 2,675 SH SOLE 1 0 0 2,675
ISHARES TR RUS TP200 GR ETF 464289438 2,014,869 6,933 SH SOLE 1 0 0 6,933
ISHARES TR RUSSELL 2000 ETF 464287655 211,516 704 SH SOLE 1 0 0 704
ISHARES TR RUSSELL 3000 ETF 464287689 623,397 1,462 SH SOLE 1 0 0 1,462
ISHARES TR S&P 500 GRWT ETF 464287309 4,566,546 33,204 SH SOLE 1 0 0 33,204
SOUTHERN CO COM 842587107 682,604 7,132 SH SOLE 0 0 7,132
PIMCO ETF TR MULTISECTOR BD 72201R585 27,218,749 1,026,348 SH SOLE 1 0 0 1,026,348
PIMCO ETF TR MUNI INCOME OPP 72201R635 2,494,286 54,508 SH SOLE 1 0 0 54,508
MCDONALDS CORP COM 580135101 445,741 1,649 SH SOLE 0 0 1,649
TRUIST FINL CORP COM 89832Q109 505,274 10,142 SH SOLE 0 0 10,142
VANGUARD WORLD FD MEGA CAP INDEX 921910873 485,420 1,774 SH SOLE 1 0 0 1,774
VANGUARD WORLD FD MEGA GRWTH IND 921910816 375,815 4,275 SH SOLE 1 0 0 4,275
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 6,597,963 127,423 SH SOLE 1 0 0 127,423
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 19,596,419 388,895 SH SOLE 1 0 0 388,895
VANGUARD INDEX FDS VALUE ETF 922908744 442,398 2,030 SH SOLE 1 0 0 2,030
VANGUARD INDEX FDS GROWTH ETF 922908736 740,115 8,592 SH SOLE 1 0 0 8,592
VANGUARD INDEX FDS MID CAP ETF 922908629 25,844,278 320,768 SH SOLE 1 0 0 320,768
VANGUARD INDEX FDS SMALL CP ETF 922908751 14,006,872 46,209 SH SOLE 1 0 0 46,209
VANGUARD INDEX FDS LARGE CAP ETF 922908637 149,551,671 434,857 SH SOLE 1 0 0 434,857
VANGUARD INDEX FDS TOTAL STK MKT 922908769 903,638 2,442 SH SOLE 1 0 0 2,442
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 248,625 362 SH SOLE 1 0 0 362
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 26,310,485 386,862 SH SOLE 1 0 0 386,862
DOMINION ENERGY INC COM 25746U109 1,374,610 20,129 SH SOLE 1 0 0 20,129
JPMORGAN CHASE & CO COM 46625H100 243,534 744 SH SOLE 0 0 744
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,810,076 97,033 SH SOLE 1 0 0 97,033
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 752,496 25,569 SH SOLE 1 0 0 25,569
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,326,563 85,539 SH SOLE 1 0 0 85,539
DUKE ENERGY CORP NEW COM NEW 26441C204 338,222 2,672 SH SOLE 0 0 2,672
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 12,059,037 135,191 SH SOLE 1 0 0 135,191
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 874,026 16,909 SH SOLE 0 0 16,909
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 209,096 5,069 SH SOLE 0 0 5,069
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V815 211,987 5,465 SH SOLE 0 0 5,465
UNITED PARCEL SVCS INC CL B 911312106 289,175 2,690 SH SOLE 0 0 2,690
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 311,743 623 SH SOLE 0 0 623
INTERNATIONAL BUSINESS MACHS COM 459200101 262,088 932 SH SOLE 0 0 932
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 4,104,248 5,496 SH SOLE 1 0 0 5,496