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 410,676 1,632 SH SOLE 1,632 0 0
ALPHABET INC CAP STK CL C 02079K107 621,861 1,760 SH SOLE 1,760 0 0
ALTRIA GROUP INC COM 02209S103 259,020 3,600 SH SOLE 3,600 0 0
AMAZON COM INC COM 023135106 204,972 860 SH SOLE 860 0 0
APPLE INC COM 037833100 3,816,658 13,190 SH SOLE 13,190 0 0
APPLIED MATLS INC COM 038222105 243,651 337 SH SOLE 337 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 729,569 1,458 SH SOLE 1,458 0 0
CATERPILLAR INC COM 149123101 274,744 258 SH SOLE 258 0 0
CHEVRON CORPORATION COM 166764100 464,957 2,805 SH SOLE 2,805 0 0
CORNING INC COM 219350105 472,035 1,848 SH SOLE 1,848 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 248,835 266 SH SOLE 266 0 0
CSX CORP COM 126408103 600,969 12,644 SH SOLE 12,644 0 0
DICKS SPORTING GOODS INC COM 253393102 226,810 1,000 SH SOLE 1,000 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 335,660 4,802 SH SOLE 4,802 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,331,410 28,314 SH SOLE 28,314 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 210,629 1,664 SH SOLE 1,664 0 0
FIRST TR EXCHANGE-TRADED FD SHS 336917109 272,009 5,590 SH SOLE 5,590 0 0
GE AEROSPACE COM NEW 369604301 303,095 811 SH SOLE 811 0 0
GE VERNOVA INC COM 36828A101 321,912 274 SH SOLE 274 0 0
INTEL CORP COM 458140100 222,012 1,590 SH SOLE 1,590 0 0
ISHARES INC MSCI EMERG MRKT 464286533 363,382 4,827 SH SOLE 4,827 0 0
ISHARES INC MSCI EMRG CHN 46434G764 477,434 4,667 SH SOLE 4,667 0 0
ISHARES TR CORE MSCI EAFE 46432F842 11,492,420 118,994 SH SOLE 118,994 0 0
ISHARES TR CORE 40 MODE ETF 464289875 260,176 5,215 SH SOLE 5,215 0 0
ISHARES TR 0-3 MTH TREASURY 46436E718 2,749,801 27,315 SH SOLE 27,315 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,904,718 18,336 SH SOLE 18,336 0 0
ISHARES TR EAFE SML CP ETF 464288273 671,076 8,157 SH SOLE 8,157 0 0
ISHARES TR CORE 80 20 ETF 464289859 388,838 3,984 SH SOLE 3,984 0 0
ISHARES TR CORE S&P500 ETF 464287200 591,623 790 SH SOLE 790 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,316,962 17,079 SH SOLE 17,079 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 639,726 6,262 SH SOLE 6,262 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 409,955 4,250 SH SOLE 4,250 0 0
JOHNSON & JOHNSON COM 478160104 389,209 1,533 SH SOLE 1,533 0 0
JPMORGAN CHASE & CO COM 46625H100 229,131 700 SH SOLE 700 0 0
LABCORP HOLDINGS INC COM SHS 504922105 239,120 854 SH SOLE 854 0 0
LOEWS CORP COM 540424108 849,075 7,500 SH SOLE 7,500 0 0
LOWES COS INC COM 548661107 650,446 2,950 SH SOLE 2,950 0 0
MICROSOFT CORP COM 594918104 1,423,444 3,816 SH SOLE 3,816 0 0
NORFOLK SOUTHN CORP COM 655844108 200,394 637 SH SOLE 637 0 0
PGIM ETF TR ACTV HY BD ETF 69344A206 1,031,053 29,560 SH SOLE 29,560 0 0
PHILIP MORRIS INTL INC COM 718172109 759,822 4,200 SH SOLE 4,200 0 0
PIMCO ETF TR INTER MUN BD ACT 72201R866 8,370,133 159,128 SH SOLE 159,128 0 0
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 1,651,956 32,712 SH SOLE 32,712 0 0
PIMCO ETF TR MTG BKD SECS ACT 72201R569 2,095,097 42,428 SH SOLE 42,428 0 0
RAYMOND JAMES FINL INC COM 754730109 243,248 1,600 SH SOLE 1,600 0 0
RTX CORPORATION COM 75513E101 461,044 2,430 SH SOLE 2,430 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,798,974 49,613 SH SOLE 49,613 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,517,514 47,856 SH SOLE 47,856 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,063,922 40,148 SH SOLE 40,148 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 819,986 17,040 SH SOLE 17,040 0 0
SPDR SERIES TRUST ST STR P500VAL 78464A508 5,281,191 86,876 SH SOLE 86,876 0 0
SSGA ACTIVE TR ST STR TOTAL ETF 78470P200 248,993 5,291 SH SOLE 5,291 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 355,463 476 SH SOLE 476 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 201,859 287 SH SOLE 287 0 0
VANECK ETF TRUST IG FLOA RATE ETF 92189F486 2,826,541 110,369 SH SOLE 110,369 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,340,831 17,482 SH SOLE 17,482 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 236,499 3,431 SH SOLE 3,431 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 13,187,267 153,091 SH SOLE 153,091 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 12,844,420 18,702 SH SOLE 18,702 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 8,199,986 101,775 SH SOLE 101,775 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,819,720 15,900 SH SOLE 15,900 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 2,612,751 11,989 SH SOLE 11,989 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 516,823 5,360 SH SOLE 5,360 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 238,674 694 SH SOLE 694 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 388,542 1,050 SH SOLE 1,050 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,547,449 18,477 SH SOLE 18,477 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,646,694 44,341 SH SOLE 44,341 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 505,187 10,057 SH SOLE 10,057 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,138,750 25,877 SH SOLE 25,877 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,992,954 16,875 SH SOLE 16,875 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 204,488 2,870 SH SOLE 2,870 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 3,568,050 38,210 SH SOLE 38,210 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 248,292 4,393 SH SOLE 4,393 0 0