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 283,302 1,083 SH SOLE 0 0 1,083
ALPHABET INC CAP STK CL C 02079K107 602,035 1,767 SH SOLE 0 0 1,767
ALPHABET INC CAP STK CL A 02079K305 545,711 1,586 SH SOLE 0 0 1,586
AMAZON COM INC COM 023135106 264,348 1,061 SH SOLE 0 0 1,061
AMERICAN CENTY ETF TR US SML CP VALU 025072877 812,491 6,899 SH SOLE 0 0 6,899
AMERICAN CENTY ETF TR US EQT ETF 025072885 469,962 3,669 SH SOLE 0 0 3,669
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 3,391,654 31,008 SH SOLE 0 0 31,008
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 802,837 8,539 SH SOLE 0 0 8,539
APPLE INC COM 037833100 1,495,075 4,489 SH SOLE 0 0 4,489
AT&T INC COM 00206R102 219,307 8,988 SH SOLE 0 0 8,988
BANK OF AMER CORP COM 060505104 584,143 10,732 SH SOLE 0 0 10,732
BANK OZK LITTLE ROCK ARK COM 06417N103 1,645,368 35,800 SH SOLE 0 0 35,800
CARDINAL HEALTH INC COM 14149Y108 1,191,265 5,354 SH SOLE 0 0 5,354
CATERPILLAR INC COM 149123101 266,800 329 SH SOLE 0 0 329
CHEVRON CORPORATION COM 166764100 696,560 3,411 SH SOLE 0 0 3,411
CISCO SYS INC COM 17275R102 247,549 2,300 SH SOLE 0 0 2,300
DEERE & CO COM 244199105 363,309 541 SH SOLE 0 0 541
DFA INVT DIMENSIONS GROUP IN U.S. HIGH RELATI 25239Y196 928,348 22,151 SH SOLE 0 0 22,151
DFA INVT DIMENSIONS GROUP IN U.S. SML CP VAL 25239Y170 314,935 8,405 SH SOLE 0 0 8,405
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 1,401,605 41,603 SH SOLE 0 0 41,603
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 508,701 11,751 SH SOLE 0 0 11,751
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 1,341,032 33,762 SH SOLE 0 0 33,762
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 9,248,415 168,153 SH SOLE 0 0 168,153
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 303,599 7,328 SH SOLE 0 0 7,328
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 2,138,308 25,753 SH SOLE 0 0 25,753
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 4,505,897 101,370 SH SOLE 0 0 101,370
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 3,441,009 44,446 SH SOLE 0 0 44,446
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 4,182,586 62,953 SH SOLE 0 0 62,953
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 3,607,917 64,589 SH SOLE 0 0 64,589
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 5,119,422 138,288 SH SOLE 0 0 138,288
DIMENSIONAL ETF TRUST SHOR DUR FIX ETF 25434V864 8,867,564 190,815 SH SOLE 0 0 190,815
DUKE ENERGY CORP NEW COM NEW 26441C204 304,977 2,675 SH SOLE 0 0 2,675
EA SERIES TRUST BRID OMN SMA ETF 02072L532 1,190,946 42,596 SH SOLE 0 0 42,596
ELI LILLY & CO COM 532457108 370,266 320 SH SOLE 0 0 320
ENTERPRISE PRODS PARTNERS L COM 293792107 373,905 10,500 SH SOLE 0 0 10,500
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 779,410 4,789 SH SOLE 0 0 4,789
FIFTH THIRD BANCORP COM 316773100 1,331,114 26,317 SH SOLE 0 0 26,317
GENERAL DYNAMICS CORP COM 369550108 236,263 712 SH SOLE 0 0 712
GOLDMAN SACHS GROUP INC COM 38141G104 206,273 229 SH SOLE 0 0 229
HONEYWELL INTL INC COM 438516205 255,448 1,211 SH SOLE 0 0 1,211
INGLES MKTS INC CL A 457030104 552,602 6,515 SH SOLE 0 0 6,515
ISHARES INC CORE MSCI EMKT 46434G103 1,804,040 22,228 SH SOLE 0 0 22,228
ISHARES TR MSCI INTL QUALTY 46434V456 513,647 10,383 SH SOLE 0 0 10,383
ISHARES TR CORE MSCI INTL 46435G326 3,171,673 35,446 SH SOLE 0 0 35,446
ISHARES TR CORE S&P TTL STK 464287150 5,613,048 33,757 SH SOLE 0 0 33,757
ISHARES TR 3 7 YR TREAS BD 464288661 2,772,927 24,444 SH SOLE 0 0 24,444
ISHARES TR EAFE SML CP ETF 464288273 354,817 4,203 SH SOLE 0 0 4,203
ISHARES TR SHRT NAT MUN ETF 464288158 2,159,796 20,660 SH SOLE 0 0 20,660
JPMORGAN CHASE & CO COM 46625H100 524,366 1,585 SH SOLE 0 0 1,585
LOWES COS INC COM 548661107 633,220 3,436 SH SOLE 0 0 3,436
MASTERCARD INCORPORATED CL A 57636Q104 874,631 1,586 SH SOLE 0 0 1,586
META PLATFORMS INC CL A 30303M102 229,258 316 SH SOLE 0 0 316
MICROSOFT CORP COM 594918104 1,345,074 2,622 SH SOLE 0 0 2,622
NATIONAL HEALTH INVS INC COM 63633D104 456,325 6,953 SH SOLE 0 0 6,953
NEXTERA ENERGY INC COM 65339F101 302,506 3,994 SH SOLE 0 0 3,994
NVIDIA CORPORATION COM 67066G104 269,565 1,180 SH SOLE 0 0 1,180
OLD REP INTL CORP COM 680223104 651,060 17,450 SH SOLE 0 0 17,450
PHILIP MORRIS INTL INC COM 718172109 372,099 1,950 SH SOLE 0 0 1,950
PIMCO ETF TR 1-5 US TIP IDX 72201R205 1,148,246 22,137 SH SOLE 0 0 22,137
PROCTER & GAMBLE CO COM 742718109 297,243 2,046 SH SOLE 0 0 2,046
REGIONS FINANCIAL CORP NEW COM 7591EP100 648,319 24,119 SH SOLE 0 0 24,119
ROSS STORES INC COM 778296103 393,279 1,685 SH SOLE 0 0 1,685
ROYAL BK CDA COM 780087102 1,268,006 6,450 SH SOLE 0 0 6,450
SOUTHERN CO COM 842587107 327,830 3,955 SH SOLE 0 0 3,955
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 667,341 13,291 SH SOLE 0 0 13,291
SPDR SERIES TRUST ST STR PR SP1500 78464A805 1,129,546 12,271 SH SOLE 0 0 12,271
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 342,466 449 SH SOLE 0 0 449
TRAVELERS COMPANIES INC COM 89417E109 515,870 1,447 SH SOLE 0 0 1,447
TRUIST FINL CORP COM 89832Q109 395,819 8,549 SH SOLE 0 0 8,549
UNITED RENTALS INC COM 911363109 204,159 204 SH SOLE 0 0 204
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,087,655 79,681 SH SOLE 0 0 79,681
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 1,705,316 4,557 SH SOLE 0 0 4,557
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 457,102 7,707 SH SOLE 0 0 7,707
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4,347,332 88,325 SH SOLE 0 0 88,325
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 7,751,598 136,809 SH SOLE 0 0 136,809
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,077,005 18,711 SH SOLE 0 0 18,711
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,114,195 15,780 SH SOLE 0 0 15,780
VICTORIAS SECRET AND CO COMMON STOCK 926400102 224,069 2,533 SH SOLE 0 0 2,533
VIVMARK RESIDENTIAL SH BEN INT 29476L107 442,029 7,275 SH SOLE 0 0 7,275
WASTE MGMT INC DEL COM 94106L109 487,573 2,391 SH SOLE 0 0 2,391
ZIONS BANCORPORATION NATL AS COM 989701107 253,733 4,050 SH SOLE 0 0 4,050