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 426,309 2,633 SH SOLE 0 0 2,633
ALPHABET INC CAP STK CL C 02079K107 1,421,705 4,024 SH SOLE 0 0 4,024
ALPHABET INC CAP STK CL A 02079K305 7,236,393 20,249 SH SOLE 0 0 20,249
AMAZON COM INC COM 023135106 4,730,572 19,848 SH SOLE 0 0 19,848
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 12,917,643 125,353 SH SOLE 0 0 125,353
APPLE INC COM 037833100 4,156,631 14,365 SH SOLE 0 0 14,365
BANK OF AMER CORP 7.25%CNV PFD L 060505682 4,571,398 3,644 SH SOLE 0 0 3,644
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,497,700 2 SH SOLE 0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 452,853 905 SH SOLE 0 0 905
BLUEROCK PVT REAL ESTATE FD COM 09631P102 385,382 29,622 SH SOLE 0 0 29,622
CLOUDFLARE INC CL A COM 18915M107 420,165 1,713 SH SOLE 0 0 1,713
COCA COLA CO COM 191216100 480,387 5,911 SH SOLE 0 0 5,911
CROWDSTRIKE HLDGS INC CL A 22788C105 377,754 495 SH SOLE 0 0 495
CUMMINS INC COM 231021106 963,547 1,351 SH SOLE 0 0 1,351
DELL TECHNOLOGIES INC CL C 24703L202 1,168,394 2,708 SH SOLE 0 0 2,708
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 2,030,342 37,585 SH SOLE 0 0 37,585
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 1,901,772 47,296 SH SOLE 0 0 47,296
DUKE ENERGY CORP NEW COM NEW 26441C204 5,382,981 42,526 SH SOLE 0 0 42,526
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 527,005 27,563 SH SOLE 0 0 27,563
EXXON MOBIL CORP COM 30231G102 591,314 4,325 SH SOLE 0 0 4,325
FASTENAL CO COM 311900104 576,360 12,000 SH SOLE 0 0 12,000
FS SPECIALTY LENDING FD COM SH BEN INT 644323107 365,653 32,794 SH SOLE 0 0 32,794
FTAI AVIATION LTD SHS G3730V105 238,066 880 SH SOLE 0 0 880
GE AEROSPACE COM NEW 369604301 723,541 1,936 SH SOLE 0 0 1,936
GE VERNOVA INC COM 36828A101 525,162 447 SH SOLE 0 0 447
GILEAD SCIENCES INC COM 375558103 336,570 2,664 SH SOLE 0 0 2,664
GLOBAL X FDS GLB X MLP ENRG I 37954Y293 1,564,247 21,236 SH SOLE 0 0 21,236
HCA HEALTHCARE INC COM 40412C101 715,058 1,834 SH SOLE 0 0 1,834
HOME DEPOT INC COM 437076102 1,323,141 3,752 SH SOLE 0 0 3,752
ISHARES TR CORE S&P TTL STK 464287150 273,464 1,665 SH SOLE 0 0 1,665
ISHARES TR IBONDS DEC 29 46436E205 26,910,410 1,161,935 SH SOLE 0 0 1,161,935
ISHARES TR IBONDS DEC 2032 46436E312 26,824,018 1,064,868 SH SOLE 0 0 1,064,868
ISHARES TR CORE S&P US GWT 464287671 13,599,709 72,304 SH SOLE 0 0 72,304
ISHARES TR CORE MSCI EAFE 46432F842 801,093 8,295 SH SOLE 0 0 8,295
ISHARES TR CORE DIV GRWTH 46434V621 89,717,720 1,183,767 SH SOLE 0 0 1,183,767
ISHARES TR CORE HIGH DV ETF 46429B663 205,575 7,500 SH SOLE 0 0 7,500
ISHARES TR CORE S&P500 ETF 464287200 6,049,768 8,078 SH SOLE 0 0 8,078
ISHARES TR CORE 1 5 YR USD 46432F859 55,207,974 1,144,207 SH SOLE 0 0 1,144,207
JOHNSON & JOHNSON COM 478160104 1,047,626 4,125 SH SOLE 0 0 4,125
JPMORGAN CHASE & CO COM 46625H100 233,714 714 SH SOLE 0 0 714
LAM RESEARCH CORP COM NEW 512807306 606,662 1,400 SH SOLE 0 0 1,400
LINDE PLC SHS G54950103 369,485 712 SH SOLE 0 0 712
MCDONALDS CORP COM 580135101 201,922 747 SH SOLE 0 0 747
MICRON TECHNOLOGY INC COM 595112103 252,790 219 SH SOLE 0 0 219
MICROSOFT CORP COM 594918104 1,208,212 3,239 SH SOLE 0 0 3,239
NVIDIA CORPORATION COM 67066G104 1,302,986 6,512 SH SOLE 0 0 6,512
ORACLE CORP COM 68389X105 265,402 1,811 SH SOLE 0 0 1,811
PEPSICO INC COM 713448108 676,729 4,998 SH SOLE 0 0 4,998
PHILIP MORRIS INTL INC COM 718172109 203,162 1,123 SH SOLE 0 0 1,123
QUALCOMM INC COM 747525103 314,143 1,700 SH SOLE 0 0 1,700
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 3,840,649 79,814 SH SOLE 0 0 79,814
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,077,010 29,211 SH SOLE 0 0 29,211
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 23,875,507 601,701 SH SOLE 0 0 601,701
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 27,930,593 529,390 SH SOLE 0 0 529,390
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 22,783,346 598,617 SH SOLE 0 0 598,617
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 520,311 2,809 SH SOLE 0 0 2,809
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 276,862 1,745 SH SOLE 0 0 1,745
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 547,144 10,206 SH SOLE 0 0 10,206
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 408,487 3,813 SH SOLE 0 0 3,813
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 3,624,452 19,024 SH SOLE 0 0 19,024
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 396,172 3,378 SH SOLE 0 0 3,378
SILA REALTY TRUST INC COMMON STOCK 146280508 289,665 9,541 SH SOLE 0 0 9,541
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 8,834,150 175,316 SH SOLE 0 0 175,316
SPDR SERIES TRUST ST STR PR SP1500 78464A805 462,212 5,091 SH SOLE 0 0 5,091
SPDR SERIES TRUST ST STR SP DIV 78464A763 1,277,095 8,392 SH SOLE 0 0 8,392
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 261,370 350 SH SOLE 0 0 350
TESLA INC COM 88160R101 506,823 1,205 SH SOLE 0 0 1,205
THE CIGNA GROUP COM 125523100 34,252,137 124,246 SH SOLE 0 0 124,246
TIDAL TRUST III VIST ARTI IN ETF 45259A845 538,391 6,311 SH SOLE 0 0 6,311
UNION PAC CORP COM 907818108 653,616 2,403 SH SOLE 0 0 2,403
VANGUARD INDEX FDS LARGE CAP ETF 922908637 481,474 1,400 SH SOLE 0 0 1,400
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,870,414 6,171 SH SOLE 0 0 6,171
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,415,866 3,826 SH SOLE 0 0 3,826
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 657,438 7,850 SH SOLE 0 0 7,850
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,485,179 142,154 SH SOLE 0 0 142,154
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 313,900 2,000 SH SOLE 0 0 2,000
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 11,492,691 152,727 SH SOLE 0 0 152,727
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,430,104 27,175 SH SOLE 0 0 27,175
VANGUARD WORLD FD MEGA GRWTH IND 921910816 288,784 3,285 SH SOLE 0 0 3,285
VERIZON COMMUNICATIONS INC COM 92343V104 4,684,159 110,632 SH SOLE 0 0 110,632
VICTORY PORTFOLIOS II VCSHS US 500 VOL 92647N766 224,966 2,277 SH SOLE 0 0 2,277
WALMART INC COM 931142103 333,664 2,946 SH SOLE 0 0 2,946
WELLS FARGO & CO PERP PFD CNV A 949746804 4,197,596 3,628 SH SOLE 0 0 3,628
WELLTOWER INC COM 95040Q104 232,417 1,024 SH SOLE 0 0 1,024
WISDOMTREE TR US LARGECAP DIVD 97717W307 346,752 3,600 SH SOLE 0 0 3,600