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 430,449 2,659 SH SOLE 0 0 2,659
ABBOTT LABORATORIES COM 002824100 356,774 3,932 SH SOLE 0 0 3,932
ABBVIE INC COM 00287Y109 969,146 3,851 SH SOLE 0 0 3,851
ADVANCED MICRO DEVICES INC COM 007903107 500,611 862 SH SOLE 0 0 862
ALLSTATE CORP COM 020002101 429,444 1,805 SH SOLE 0 0 1,805
ALPHABET INC CAP STK CL A 02079K305 2,488,791 6,964 SH SOLE 0 0 6,964
ALPHABET INC CAP STK CL C 02079K107 2,577,218 7,294 SH SOLE 0 0 7,294
AMAZON COM INC COM 023135106 2,570,278 10,784 SH SOLE 0 0 10,784
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 13,659,384 141,563 SH SOLE 0 0 141,563
AMERICAN EXPRESS CO COM 025816109 263,991 780 SH SOLE 0 0 780
AMERICAN INTL GROUP INC COM NEW 026874784 235,888 3,165 SH SOLE 0 0 3,165
AMGEN INC COM 031162100 467,298 1,290 SH SOLE 0 0 1,290
APPLE INC COM 037833100 8,458,351 29,231 SH SOLE 0 0 29,231
APPLIED MATLS INC COM 038222105 711,633 984 SH SOLE 0 0 984
AT&T INC COM 00206R102 324,832 15,692 SH SOLE 0 0 15,692
AUTOMATIC DATA PROCESSING IN COM 053015103 478,094 2,135 SH SOLE 0 0 2,135
BANK OF AMER CORP COM 060505104 8,929,464 156,712 SH SOLE 0 0 156,712
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,926,555 3,850 SH SOLE 0 0 3,850
BLACKROCK INC COM 09290D101 530,781 552 SH SOLE 0 0 552
BLACKSTONE INC COM 09260D107 300,028 2,550 SH SOLE 0 0 2,550
BOEING CO COM 097023105 230,554 1,065 SH SOLE 0 0 1,065
BROADCOM INC COM 11135F101 2,525,258 6,685 SH SOLE 0 0 6,685
BWX TECHNOLOGIES INC COM 05605H100 227,546 1,169 SH SOLE 0 0 1,169
CAMBRIA ETF TR CAMBRIA FGN SHR 132061300 10,895,692 298,594 SH SOLE 0 0 298,594
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201 20,781,985 262,774 SH SOLE 0 0 262,774
CATERPILLAR INC COM 149123101 1,202,852 1,130 SH SOLE 0 0 1,130
CATO CORP NEW CL A 149205106 105,327 32,508 SH SOLE 0 0 32,508
CENCORA INC COM 03073E105 306,467 1,083 SH SOLE 0 0 1,083
CHEVRON CORPORATION COM 166764100 948,574 5,723 SH SOLE 0 0 5,723
CHUBB LIMITED COM H1467J104 320,555 941 SH SOLE 0 0 941
CISCO SYS INC COM 17275R102 910,448 7,751 SH SOLE 0 0 7,751
CITIGROUP INC COM NEW 172967424 228,213 1,631 SH SOLE 0 0 1,631
COCA COLA CO COM 191216100 5,824,163 71,664 SH SOLE 0 0 71,664
COMFORT SYS USA INC COM 199908104 330,986 167 SH SOLE 0 0 167
COMPASS INC CL A 20464U100 276,500 22,425 SH SOLE 0 0 22,425
CORNING INC COM 219350105 222,109 870 SH SOLE 0 0 870
COSTCO WHOLESALE CORPORATION COM 22160K105 893,717 955 SH SOLE 0 0 955
CSX CORP COM 126408103 365,739 7,695 SH SOLE 0 0 7,695
CVS HEALTH CORP COM 126650100 209,273 2,023 SH SOLE 0 0 2,023
DEERE & CO COM 244199105 513,097 809 SH SOLE 0 0 809
DELTA AIR LINES INC COM NEW 247361702 499,359 5,332 SH SOLE 0 0 5,332
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 4,878,546 90,310 SH SOLE 0 0 90,310
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 3,796,158 88,972 SH SOLE 0 0 88,972
DIMENSIONAL ETF TRUST WORLD EQUITY ETF 25434V617 588,802 7,112 SH SOLE 0 0 7,112
DIVERSIFIED HEALTHCARE TR COM SH BEN INT 25525P107 111,842 12,026 SH SOLE 0 0 12,026
DUKE ENERGY CORP NEW COM NEW 26441C204 529,367 4,182 SH SOLE 0 0 4,182
EATON CORP PLC SHS G29183103 491,799 1,154 SH SOLE 0 0 1,154
ELEVANCE HEALTH INC FORMERLY COM 036752103 579,542 1,499 SH SOLE 0 0 1,499
ELI LILLY & CO COM 532457108 4,456,293 3,715 SH SOLE 0 0 3,715
EMERSON ELEC CO COM 291011104 203,559 1,422 SH SOLE 0 0 1,422
ENPRO INC COM 29355X107 861,202 2,285 SH SOLE 0 0 2,285
ETF SER SOLUTIONS DEFIA QUANT ETF 26922A420 203,772 1,232 SH SOLE 0 0 1,232
EXXON MOBIL CORP COM 30231G102 881,526 6,448 SH SOLE 0 0 6,448
GE AEROSPACE COM NEW 369604301 1,318,458 3,528 SH SOLE 0 0 3,528
GE VERNOVA INC COM 36828A101 914,382 778 SH SOLE 0 0 778
GENERAL MILLS INC COM 370334104 221,723 6,371 SH SOLE 0 0 6,371
GILEAD SCIENCES INC COM 375558103 202,476 1,603 SH SOLE 0 0 1,603
GMO ETF TRUST US QUALITY ETF 90139K100 20,106,634 483,100 SH SOLE 0 0 483,100
HARTFORD INSURANCE GROUP INC COM 416515104 391,841 2,957 SH SOLE 0 0 2,957
HCA HEALTHCARE INC COM 40412C101 377,515 968 SH SOLE 0 0 968
HOME DEPOT INC COM 437076102 1,880,915 5,333 SH SOLE 0 0 5,333
HONEYWELL AEROSPACE INC COM 43849R105 279,666 1,265 SH SOLE 0 0 1,265
HONEYWELL INTL INC COM 438516205 283,234 1,265 SH SOLE 0 0 1,265
INTEL CORP COM 458140100 1,102,019 7,892 SH SOLE 0 0 7,892
INTERCONTINENTAL EXCHANGE IN COM 45866F104 250,536 2,035 SH SOLE 0 0 2,035
INVESCO EXCH TRADED FD TR II RAFI DVLPD MRKTS 46138E743 4,875,642 64,459 SH SOLE 0 0 64,459
INVESCO EXCHANGE TRADED FD T LARG CAP GRO ETF 46137V746 390,531 2,318 SH SOLE 0 0 2,318
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 318,629 4,990 SH SOLE 0 0 4,990
INVESCO EXCHANGE TRADED FD T RAFI US 1500 46137V597 7,644,350 137,069 SH SOLE 0 0 137,069
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 1,912,074 35,389 SH SOLE 0 0 35,389
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 4,350,279 48,283 SH SOLE 0 0 48,283
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 375,618 3,072 SH SOLE 0 0 3,072
INVESCO QQQ TR UNIT SER 1 46090E103 1,087,546 1,477 SH SOLE 0 0 1,477
INVESTMENT MANAGERS SER TR I FPA GBL EQTY ETF 30254T577 31,342,370 780,750 SH SOLE 0 0 780,750
ISHARES GOLD TR ISHARES NEW 464285204 290,487 3,847 SH SOLE 0 0 3,847
ISHARES INC CORE MSCI EMKT 46434G103 847,312 10,228 SH SOLE 0 0 10,228
ISHARES TR CORE MSCI TOTAL 46432F834 2,025,905 21,227 SH SOLE 0 0 21,227
ISHARES TR CORE MSCI EAFE 46432F842 552,519 5,721 SH SOLE 0 0 5,721
ISHARES TR US TREAS BD ETF 46429B267 38,798,820 1,703,197 SH SOLE 0 0 1,703,197
ISHARES TR CORE MSCI INTL 46435G326 1,382,552 15,533 SH SOLE 0 0 15,533
ISHARES TR ULTRA SHORT DUR 46434V878 286,499 5,664 SH SOLE 0 0 5,664
ISHARES TR MSCI USA QLT FCT 46432F339 286,346 1,305 SH SOLE 0 0 1,305
ISHARES TR S&P 100 ETF 464287101 1,239,271 3,387 SH SOLE 0 0 3,387
ISHARES TR SELECT DIVID ETF 464287168 210,849 1,349 SH SOLE 0 0 1,349
ISHARES TR MORNINGSTAR VALU 464288109 1,255,376 12,400 SH SOLE 0 0 12,400
ISHARES TR US AER DEF ETF 464288760 268,473 1,107 SH SOLE 0 0 1,107
ISHARES TR EAFE GRWTH ETF 464288885 203,359 1,634 SH SOLE 0 0 1,634
ISHARES TR MSCI ACWI ETF 464288257 7,078,133 45,092 SH SOLE 0 0 45,092
ISHARES TR RUS TP200 GR ETF 464289438 422,674 1,454 SH SOLE 0 0 1,454
ISHARES TR MSCI EAFE ETF 464287465 558,688 5,378 SH SOLE 0 0 5,378
ISHARES TR RUS MDCP VAL ETF 464287473 226,695 1,377 SH SOLE 0 0 1,377
ISHARES TR U.S. TECH ETF 464287721 341,111 1,352 SH SOLE 0 0 1,352
ISHARES TR CORE S&P MCP ETF 464287507 242,514 3,145 SH SOLE 0 0 3,145
ISHARES TR CORE S&P SCP ETF 464287804 28,501,022 192,172 SH SOLE 0 0 192,172
ISHARES TR CORE S&P500 ETF 464287200 17,799,023 23,767 SH SOLE 0 0 23,767
ISHARES TR S&P 500 GRWT ETF 464287309 1,412,691 10,272 SH SOLE 0 0 10,272
ISHARES TR RUS 1000 ETF 464287622 888,833 2,171 SH SOLE 0 0 2,171
ISHARES TR RUS 1000 VAL ETF 464287598 1,540,549 6,355 SH SOLE 0 0 6,355
ISHARES TR RUS 1000 GRW ETF 464287614 5,286,026 42,571 SH SOLE 0 0 42,571
ISHARES TR RUSSELL 2000 ETF 464287655 1,223,776 4,073 SH SOLE 0 0 4,073
ISHARES TR RUS 2000 VAL ETF 464287630 240,158 1,086 SH SOLE 0 0 1,086
ISHARES TR RUSSELL 3000 ETF 464287689 2,361,830 5,539 SH SOLE 0 0 5,539
ISHARES TR CORE S&P US GWT 464287671 224,588 1,194 SH SOLE 0 0 1,194
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 1,944,135 38,444 SH SOLE 0 0 38,444
JABIL INC COM 466313103 1,123,674 2,915 SH SOLE 0 0 2,915
JOHNSON & JOHNSON COM 478160104 1,563,497 6,156 SH SOLE 0 0 6,156
JPMORGAN CHASE & CO COM 46625H100 2,785,900 8,511 SH SOLE 0 0 8,511
KLA CORP COM NEW 482480100 280,017 928 SH SOLE 0 0 928
KOSMOS ENERGY LTD COM 500688106 25,151 11,920 SH SOLE 0 0 11,920
LAM RESEARCH CORP COM NEW 512807306 362,771 837 SH SOLE 0 0 837
LINDE PLC SHS G54950103 418,451 806 SH SOLE 0 0 806
LITMAN GREGORY FDS TR IMGP DBI MAN ETF 53700T827 360,858 11,789 SH SOLE 0 0 11,789
LOWES COS INC COM 548661107 1,550,480 7,032 SH SOLE 0 0 7,032
MARRIOTT INTL INC NEW CL A 571903202 551,505 1,488 SH SOLE 0 0 1,488
MASTERCARD INCORPORATED CL A 57636Q104 642,738 1,251 SH SOLE 0 0 1,251
MCDONALDS CORP COM 580135101 627,137 2,320 SH SOLE 0 0 2,320
MERCK & CO INC COM 58933Y105 739,911 5,758 SH SOLE 0 0 5,758
META PLATFORMS INC CL A 30303M102 760,712 1,350 SH SOLE 0 0 1,350
MICRON TECHNOLOGY INC COM 595112103 1,612,932 1,397 SH SOLE 0 0 1,397
MICROSOFT CORP COM 594918104 3,906,548 10,473 SH SOLE 0 0 10,473
MORGAN STANLEY COM NEW 617446448 237,332 1,135 SH SOLE 0 0 1,135
NORFOLK SOUTHN CORP COM 655844108 211,719 673 SH SOLE 0 0 673
NOUVEAU MONDE GRAPHITE INC COM NEW 66979W842 19,940 13,293 SH SOLE 0 0 13,293
NOV INC COM 62955J103 197,224 10,632 SH SOLE 0 0 10,632
NVIDIA CORPORATION COM 67066G104 4,943,917 24,708 SH SOLE 0 0 24,708
ORACLE CORP COM 68389X105 1,019,775 6,959 SH SOLE 0 0 6,959
PACCAR INC COM 693718108 441,081 3,672 SH SOLE 0 0 3,672
PALO ALTO NETWORKS INC COM 697435105 862,511 2,529 SH SOLE 0 0 2,529
PAYCHEX INC COM 704326107 289,385 2,943 SH SOLE 0 0 2,943
PEPSICO INC COM 713448108 461,379 3,408 SH SOLE 0 0 3,408
PHILIP MORRIS INTL INC COM 718172109 350,398 1,937 SH SOLE 0 0 1,937
PROCTER & GAMBLE CO COM 742718109 1,093,052 7,454 SH SOLE 0 0 7,454
QUALCOMM INC COM 747525103 430,483 2,330 SH SOLE 0 0 2,330
ROYAL BK CDA COM 780087102 3,379,556 16,329 SH SOLE 0 0 16,329
ROYAL BK CDA PUT 780087952 3,125,247 15,100 PRN Put SOLE 0 0 15,100
RTX CORPORATION COM 75513E101 1,186,172 6,252 SH SOLE 0 0 6,252
SANDISK CORP COM 80004C200 657,108 289 SH SOLE 0 0 289
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 995,131 31,382 SH SOLE 0 0 31,382
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 3,776,949 99,237 SH SOLE 0 0 99,237
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 259,971 6,552 SH SOLE 0 0 6,552
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 21,549,618 408,446 SH SOLE 0 0 408,446
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 5,811,217 186,856 SH SOLE 0 0 186,856
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 463,430 16,002 SH SOLE 0 0 16,002
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,505,733 85,142 SH SOLE 0 0 85,142
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,145,256 32,900 SH SOLE 0 0 32,900
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 421,523 2,276 SH SOLE 0 0 2,276
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 3,722,697 19,540 SH SOLE 0 0 19,540
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 1,185,702 12,939 SH SOLE 0 0 12,939
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 4,490,203 6,013 SH SOLE 0 0 6,013
STATE STR SPDR S&P 500 ETF T CALL 78462F903 4,032,558 5,400 PRN Call SOLE 0 0 5,400
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 260,939 371 SH SOLE 0 0 371
STRYKER CORPORATION COM 863667101 704,486 2,238 SH SOLE 0 0 2,238
T ROWE PRICE EXCHANGE-TRADED PRICE BLUE CHIP 87283Q107 287,167 5,733 SH SOLE 0 0 5,733
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 230,475 483 SH SOLE 0 0 483
TESLA INC COM 88160R101 3,069,131 7,297 SH SOLE 0 0 7,297
TEXAS INSTRS INC COM 882508104 426,836 1,432 SH SOLE 0 0 1,432
THE CIGNA GROUP COM 125523100 244,910 888 SH SOLE 0 0 888
THERMO FISHER SCIENTIFIC INC COM 883556102 231,127 461 SH SOLE 0 0 461
TJX COS INC NEW COM 872540109 629,807 4,157 SH SOLE 0 0 4,157
TRANSOCEAN LTD REGISTERED SHS H8817H100 54,215 11,087 SH SOLE 0 0 11,087
TRUIST FINL CORP COM 89832Q109 719,090 14,434 SH SOLE 0 0 14,434
UNION PAC CORP COM 907818108 236,640 870 SH SOLE 0 0 870
UNITEDHEALTH GROUP INC COM 91324P102 722,298 1,738 SH SOLE 0 0 1,738
VALERO ENERGY CORP COM 91913Y100 396,016 1,521 SH SOLE 0 0 1,521
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 291,797 2,238 SH SOLE 0 0 2,238
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 2,751,050 20,002 SH SOLE 0 0 20,002
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 4,139,565 50,104 SH SOLE 0 0 50,104
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 900,857 4,110 SH SOLE 0 0 4,110
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,193,451 15,318 SH SOLE 0 0 15,318
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 539,126 7,344 SH SOLE 0 0 7,344
VANGUARD INDEX FDS LARGE CAP ETF 922908637 276,807 805 SH SOLE 0 0 805
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 360,620 1,825 SH SOLE 0 0 1,825
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 334,364 1,358 SH SOLE 0 0 1,358
VANGUARD INDEX FDS SMALL CP ETF 922908751 10,721,508 35,371 SH SOLE 0 0 35,371
VANGUARD INDEX FDS GROWTH ETF 922908736 924,818 10,736 SH SOLE 0 0 10,736
VANGUARD INDEX FDS VALUE ETF 922908744 2,303,199 10,569 SH SOLE 0 0 10,569
VANGUARD INDEX FDS MID CAP ETF 922908629 562,386 6,980 SH SOLE 0 0 6,980
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,711,767 15,436 SH SOLE 0 0 15,436
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 48,203,752 70,185 SH SOLE 0 0 70,185
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 599,140 7,917 SH SOLE 0 0 7,917
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,606,925 43,674 SH SOLE 0 0 43,674
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 799,332 5,093 SH SOLE 0 0 5,093
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 519,829 6,701 SH SOLE 0 0 6,701
VANGUARD MALVERN FDS CORE BD ETF 922020748 82,407,943 1,067,008 SH SOLE 0 0 1,067,008
VANGUARD MUN BD FDS SHORT TAX EXEMPT 922907696 1,770,291 23,102 SH SOLE 0 0 23,102
VANGUARD MUN BD FDS CORE TAX EXEMPT 922907712 64,260,938 841,112 SH SOLE 0 0 841,112
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 377,055 4,771 SH SOLE 0 0 4,771
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 854,617 6,687 SH SOLE 0 0 6,687
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 1,468,598 13,814 SH SOLE 0 0 13,814
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,849,692 28,948 SH SOLE 0 0 28,948
VANGUARD STAR FDS VG TL INTL STK F 921909768 646,172 7,558 SH SOLE 0 0 7,558
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 5,853,647 82,156 SH SOLE 0 0 82,156
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 250,478 2,472 SH SOLE 0 0 2,472
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 8,967,038 96,027 SH SOLE 0 0 96,027
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 675,000 4,271 SH SOLE 0 0 4,271
VERISK ANALYTICS INC COM 92345Y106 459,773 2,561 SH SOLE 0 0 2,561
VERIZON COMMUNICATIONS INC COM 92343V104 488,504 11,538 SH SOLE 0 0 11,538
VISA INC COM CL A 92826C839 1,076,060 3,136 SH SOLE 0 0 3,136
VORNADO RLTY TR SH BEN INT 929042109 224,167 5,704 SH SOLE 0 0 5,704
WALMART INC COM 931142103 1,339,139 11,824 SH SOLE 0 0 11,824
WELLS FARGO & CO COM 949746101 602,405 7,290 SH SOLE 0 0 7,290
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,937,843 20,266 SH SOLE 0 0 20,266