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
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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
AbbVie Inc. Stock 00287Y109 469,513 1,795 SH SOLE 0 0 1,795
Advanced Micro Devices Inc. Stock 007903107 267,269 437 SH SOLE 0 0 437
AH Realty Trust Inc. REIT 04208T108 319,286 52,342 SH SOLE 0 0 52,342
Allstate Corporation Stock 020002101 315,152 1,421 SH SOLE 0 0 1,421
Alphabet Inc. Cl A Stock 02079K305 1,542,862 4,484 SH SOLE 0 0 4,484
Alphabet Inc. Cl C Stock 02079K107 1,494,826 4,387 SH SOLE 0 0 4,387
Amazon.com Inc. Stock 023135106 833,300 3,345 SH SOLE 0 0 3,345
Apollo Global Management, Inc. Stock 03769M106 209,953 1,809 SH SOLE 0 0 1,809
Apple Inc. Stock 037833100 15,796,939 47,435 SH SOLE 0 0 47,435
ASML Holding N.V. ADR N07059210 1,757,157 970 SH SOLE 0 0 970
Bank of America Corp. Stock 060505104 441,726 8,115 SH SOLE 0 0 8,115
Berkshire Hathaway Inc. Stock 084670702 2,410,997 4,842 SH SOLE 0 0 4,842
Berkshire Hathaway Inc. Stock 084670108 747,005 1 SH SOLE 0 0 1
Boeing Co. Stock 097023105 432,385 2,324 SH SOLE 0 0 2,324
Broadcom Inc. Stock 11135F101 427,911 1,218 SH SOLE 0 0 1,218
Calvert US Large-Cap Core Responsible Index ETF ETF 61774R205 205,779 2,174 SH SOLE 0 0 2,174
Capital One Financial Corp. Stock 14040H105 286,212 1,482 SH SOLE 0 0 1,482
Caterpillar Inc. Stock 149123101 821,330 1,013 SH SOLE 0 0 1,013
Chevron Corp. Stock 166764100 440,670 2,158 SH SOLE 0 0 2,158
Cisco Systems Inc. Stock 17275R102 3,310,951 30,762 SH SOLE 0 0 30,762
Coca-Cola Co. Stock 191216100 458,099 5,322 SH SOLE 0 0 5,322
ConocoPhillips Stock 20825C104 201,617 1,611 SH SOLE 0 0 1,611
Costco Wholesale Corp. Stock 22160K105 896,376 985 SH SOLE 0 0 985
Cummins Inc. Stock 231021106 451,482 874 SH SOLE 0 0 874
Dell Technologies Inc. Stock 24703L202 204,421 380 SH SOLE 0 0 380
Dimensional International Core Equity Market ETF ETF 25434V203 1,542,265 37,226 SH SOLE 0 0 37,226
Dimensional World ex U.S. Core Equity 2 ETF ETF 25434V880 205,535 5,552 SH SOLE 0 0 5,552
Duke Energy Corp. Stock 26441C204 430,157 3,773 SH SOLE 0 0 3,773
Eli Lilly & Co. Stock 532457108 663,258 573 SH SOLE 0 0 573
Enbridge Inc. Stock 29250N105 210,629 4,531 SH SOLE 0 0 4,531
Energy Select Sector SPDR Fund ETF 81369Y506 469,858 7,640 SH SOLE 0 0 7,640
Enterprise Products Partners L.P. Stock 293792107 664,340 18,656 SH SOLE 0 0 18,656
Exxon Mobil Corp. Stock 30233Q108 1,121,656 6,892 SH SOLE 0 0 6,892
Financial Select Sector SPDR Fund ETF 81369Y605 335,245 6,278 SH SOLE 0 0 6,278
GE Aerospace Stock 369604301 230,171 737 SH SOLE 0 0 737
Halozyme Therapeutics, Inc. Stock 40637H109 1,981,680 17,950 SH SOLE 0 0 17,950
Home Depot Inc. Stock 437076102 661,835 2,326 SH SOLE 0 0 2,326
Huntington Bancshares Incorporated Stock 446150104 2,016,716 132,157 SH SOLE 0 0 132,157
Illinois Tool Works Stock 452308109 243,910 948 SH SOLE 0 0 948
Invesco FTSE RAFI US 1000 ETF ETF 46137V613 114,883,041 2,110,657 SH SOLE 0 0 2,110,657
Invesco FTSE RAFI US 1500 Small-Mid ETF ETF 46137V597 43,683,764 834,775 SH SOLE 0 0 834,775
Invesco S&P 500 Equal Weight Technology ETF ETF 46137V282 426,048 6,469 SH SOLE 0 0 6,469
iShares 0-5 Year TIPS Bond ETF ETF 46429B747 639,448 6,414 SH SOLE 0 0 6,414
iShares Core 80/20 Aggressive Allocation ETF ETF 464289859 322,559 3,316 SH SOLE 0 0 3,316
iShares Core MSCI EAFE ETF ETF 46432F842 9,810,326 101,263 SH SOLE 0 0 101,263
iShares Core MSCI Emerging Markets ETF ETF 46434G103 4,949,305 60,982 SH SOLE 0 0 60,982
iShares Core MSCI Intl Developed Markets ETF ETF 46435G326 4,931,324 55,111 SH SOLE 0 0 55,111
iShares Core S&P 500 ETF ETF 464287200 1,679,509 2,193 SH SOLE 0 0 2,193
iShares Core U.S. Aggregate Bond ETF ETF 464287226 40,582,361 429,261 SH SOLE 0 0 429,261
iShares Gold Trust ETF ETF 464285204 398,310 5,100 SH SOLE 0 0 5,100
iShares MSCI EAFE ETF ETF 464287465 29,704,585 285,923 SH SOLE 0 0 285,923
iShares MSCI Emerging Markets ETF ETF 464287234 6,933,238 103,807 SH SOLE 0 0 103,807
iShares MSCI Emerging Markets ex China ETF ETF 46434G764 5,637,281 56,896 SH SOLE 0 0 56,896
iShares MSCI Eurozone ETF ETF 464286608 227,777 3,383 SH SOLE 0 0 3,383
iShares MSCI KLD 400 Social ETF ETF 464288570 386,099 2,641 SH SOLE 0 0 2,641
iShares MSCI World ETF ETF 464286392 442,302 2,145 SH SOLE 0 0 2,145
iShares Russell 1000 ETF ETF 464287622 116,282,465 279,438 SH SOLE 0 0 279,438
iShares Russell 1000 Growth ETF ETF 464287614 12,298,330 98,182 SH SOLE 0 0 98,182
iShares Russell 1000 Value ETF ETF 464287598 9,189,287 37,064 SH SOLE 0 0 37,064
iShares Russell 2000 ETF ETF 464287655 12,525,640 45,074 SH SOLE 0 0 45,074
iShares Russell 2000 Growth ETF ETF 464287648 393,110 1,101 SH SOLE 0 0 1,101
iShares Russell Mid-Cap ETF ETF 464287499 313,301 2,936 SH SOLE 0 0 2,936
iShares Russell Mid-Cap Growth ETF ETF 464287481 289,403 2,102 SH SOLE 0 0 2,102
iShares S&P 500 Growth ETF ETF 464287309 1,039,778 7,309 SH SOLE 0 0 7,309
iShares Select Dividend ETF ETF 464287168 334,266 2,198 SH SOLE 0 0 2,198
iShares TIPS Bond ETF ETF 464287176 34,337,714 330,043 SH SOLE 0 0 330,043
iShares Treasury Floating Rate Bond ETF ETF 46434V860 70,771,716 1,396,718 SH SOLE 0 0 1,396,718
iShares U.S. Healthcare ETF ETF 464287762 367,962 5,142 SH SOLE 0 0 5,142
Johnson & Johnson Inc. Stock 478160104 764,842 2,889 SH SOLE 0 0 2,889
JPMorgan Chase & Co. Stock 46625H100 797,011 2,409 SH SOLE 0 0 2,409
JPMorgan Hedged Equity Laddered Overlay ETF ETF 46654Q724 252,263 3,647 SH SOLE 0 0 3,647
JPMorgan Municipal ETF ETF 46641Q647 747,958 15,720 SH SOLE 0 0 15,720
JPMorgan Ultra-Short Income ETF ETF 46641Q837 24,695,644 490,285 SH SOLE 0 0 490,285
JPMorgan Ultra-Short Municipal Income ETF ETF 46641Q654 237,632 4,700 SH SOLE 0 0 4,700
Marriott International Inc. Stock 571903202 218,381 614 SH SOLE 0 0 614
Mastercard Incorporated Stock 57636Q104 403,676 732 SH SOLE 0 0 732
McCormick & Company, Inc. Stock 579780107 542,210 11,310 SH SOLE 0 0 11,310
McDonalds Corporation Stock 580135101 406,685 1,761 SH SOLE 0 0 1,761
Meta Platforms, Inc. Stock 30303M102 390,147 538 SH SOLE 0 0 538
Micron Technology, Inc Stock 595112103 400,481 376 SH SOLE 0 0 376
Microsoft Corp. Stock 594918104 4,797,266 9,353 SH SOLE 0 0 9,353
Morgan Stanley Stock 617446448 782,547 4,161 SH SOLE 0 0 4,161
Motorola Solutions Inc. Stock 620076307 725,972 1,628 SH SOLE 0 0 1,628
NVIDIA Corporation Stock 67066G104 1,216,637 5,327 SH SOLE 0 0 5,327
Ondas Inc. Stock 68236H204 77,170 10,528 SH SOLE 0 0 10,528
Oracle Corporation Stock 68389X105 259,497 1,890 SH SOLE 0 0 1,890
Palo Alto Networks, Inc. Stock 697435105 249,908 629 SH SOLE 0 0 629
Phillips 66 Stock 718546104 394,933 1,547 SH SOLE 0 0 1,547
PIMCO 1-5 Year U.S. TIPS Index ETF ETF 72201R205 5,649,106 108,909 SH SOLE 0 0 108,909
PIMCO Commodity Strategy Active ETF ETF 72201R593 252,463 7,284 SH SOLE 0 0 7,284
PIMCO Enhanced Short Maturity Active ETF ETF 72201R833 1,311,570 13,044 SH SOLE 0 0 13,044
Procter & Gamble Co. Stock 742718109 440,149 3,030 SH SOLE 0 0 3,030
Raymond James Financial Inc. Stock 754730109 344,642 2,181 SH SOLE 0 0 2,181
Renasant Corporation Stock 75970E107 226,165 5,817 SH SOLE 0 0 5,817
Ross Stores Inc. Stock 778296103 234,217 1,004 SH SOLE 0 0 1,004
RTX Corporation Stock 75513E101 575,508 3,100 SH SOLE 0 0 3,100
Schwab Fundamental U.S. Large Company ETF ETF 808524771 1,082,018 34,383 SH SOLE 0 0 34,383
Southern Copper Corp. Stock 84265V105 221,283 1,092 SH SOLE 0 0 1,092
SPDR Gold Shares ETF ETF 78463V107 559,522 1,469 SH SOLE 0 0 1,469
SPDR S&P 500 ETF ETF 78462F103 710,460 932 SH SOLE 0 0 932
Tesla Inc. Stock 88160R101 212,531 599 SH SOLE 0 0 599
Thermo Fisher Scientific, Inc. Stock 883556102 346,511 513 SH SOLE 0 0 513
Truist Financial Corp. Stock 89832Q109 263,866 5,699 SH SOLE 0 0 5,699
Union Pacific Corp. Stock 907818108 302,840 1,113 SH SOLE 0 0 1,113
UnitedHealth Group Inc. Stock 91324P102 274,301 747 SH SOLE 0 0 747
VanEck Vectors Gold Miners ETF ETF 92189F106 274,485 3,126 SH SOLE 0 0 3,126
Vanguard 0-3 Month Treasury Bill ETF ETF 922040845 6,091,220 80,444 SH SOLE 0 0 80,444
Vanguard ESG International Stock ETF ETF 921910725 277,378 3,421 SH SOLE 0 0 3,421
Vanguard ESG U.S. Stock ETF ETF 921910733 1,553,762 11,464 SH SOLE 0 0 11,464
Vanguard FTSE Developed Markets ETF ETF 921943858 106,176,962 1,503,710 SH SOLE 0 0 1,503,710
Vanguard FTSE Emerging Markets ETF ETF 922042858 32,193,575 542,802 SH SOLE 0 0 542,802
Vanguard Large Cap ETF ETF 922908637 330,387 939 SH SOLE 0 0 939
Vanguard Mid-Cap Growth ETF ETF 922908538 268,440 919 SH SOLE 0 0 919
Vanguard Mid-Cap Index Fund ETF ETF 922908629 257,453 3,283 SH SOLE 0 0 3,283
Vanguard Mid-Cap Value ETF ETF 922908512 226,228 1,157 SH SOLE 0 0 1,157
Vanguard Morningstar Small-Cap Value ETF ETF 922908611 1,402,347 6,070 SH SOLE 0 0 6,070
Vanguard Morningstar Total Stock Market ETF ETF 922908769 3,268,885 8,735 SH SOLE 0 0 8,735
Vanguard Morningstar Value ETF ETF 922908744 2,263,151 10,474 SH SOLE 0 0 10,474
Vanguard Russell 1000 ETF ETF 92206C730 17,976,429 52,257 SH SOLE 0 0 52,257
Vanguard Russell 1000 Value ETF ETF 92206C714 1,779,836 16,374 SH SOLE 0 0 16,374
Vanguard Russell 2000 ETF ETF 92206C664 1,965,287 17,510 SH SOLE 0 0 17,510
Vanguard Russell 3000 ETF ETF 92206C599 543,175 1,619 SH SOLE 0 0 1,619
Vanguard S&P 500 ETF ETF 922908363 209,439 299 SH SOLE 0 0 299
Vanguard S&P 500 Value ETF ETF 921932703 670,911 3,045 SH SOLE 0 0 3,045
Vanguard Short-Term Bond ETF ETF 921937827 52,933,154 692,842 SH SOLE 0 0 692,842
Vanguard Short-Term Inflation-Protected Securities ETF ETF 922020805 2,776,686 56,414 SH SOLE 0 0 56,414
Vanguard Short-Term Tax-Exempt Bond ETF ETF 921935870 484,718 4,916 SH SOLE 0 0 4,916
Vanguard Total Bond Market ETF ETF 921937835 15,063,861 214,738 SH SOLE 0 0 214,738
Vanguard Total World Stock Index ETF ETF 922042742 6,554,278 41,522 SH SOLE 0 0 41,522
Visa Inc. Stock 92826C839 453,003 1,261 SH SOLE 0 0 1,261
Walmart Inc. Stock 931142103 276,829 2,664 SH SOLE 0 0 2,664