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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   772,040 7,014 SH   SOLE   0 0 7,014
ABBVIE INC COM 00287Y109   1,076,205 6,945 SH   SOLE   0 0 6,945
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,112,929 3,172 SH   SOLE   0 0 3,172
AIR PRODS & CHEMS INC COM 009158106   426,430 1,557 SH   SOLE   0 0 1,557
ALPHABET INC CAP STK CL A 02079K305   482,210 3,452 SH   SOLE   0 0 3,452
ALPHABET INC CAP STK CL C 02079K107   481,558 3,417 SH   SOLE   0 0 3,417
AMAZON COM INC COM 023135106   858,917 5,653 SH   SOLE   0 0 5,653
AMERICAN EXPRESS CO COM 025816109   329,156 1,757 SH   SOLE   0 0 1,757
AMERICAN TOWER CORP NEW COM 03027X100   291,454 1,350 SH   SOLE   0 0 1,350
AMGEN INC COM 031162100   1,225,457 4,255 SH   SOLE   0 0 4,255
APPLE INC COM 037833100   3,017,536 15,673 SH   SOLE   0 0 15,673
BANK AMERICA CORP COM 060505104   821,695 24,404 SH   SOLE   0 0 24,404
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   254,299 713 SH   SOLE   0 0 713
BLACKROCK INC COM 09247X101   919,187 1,132 SH   SOLE   0 0 1,132
BROADCOM INC COM 11135F101   1,673,567 1,499 SH   SOLE   0 0 1,499
CADENCE BANK COM 12740C103   223,079 7,539 SH   SOLE   0 0 7,539
CAMPBELL SOUP CO COM 134429109   273,096 6,317 SH   SOLE   0 0 6,317
CHEVRON CORP NEW COM 166764100   1,328,051 8,904 SH   SOLE   0 0 8,904
CISCO SYS INC COM 17275R102   1,061,802 21,017 SH   SOLE   0 0 21,017
COMCAST CORP NEW CL A 20030N101   634,202 14,463 SH   SOLE   0 0 14,463
COSTCO WHSL CORP NEW COM 22160K105   219,814 333 SH   SOLE   0 0 333
CROWN CASTLE INC COM 22822V101   597,614 5,188 SH   SOLE   0 0 5,188
CUMMINS INC COM 231021106   832,464 3,475 SH   SOLE   0 0 3,475
CVS HEALTH CORP COM 126650100   384,089 4,864 SH   SOLE   0 0 4,864
DOMINION ENERGY INC COM 25746U109   279,992 5,957 SH   SOLE   0 0 5,957
DOW INC COM 260557103   592,751 10,809 SH   SOLE   0 0 10,809
DUKE ENERGY CORP NEW COM NEW 26441C204   646,073 6,658 SH   SOLE   0 0 6,658
EXXON MOBIL CORP COM 30231G102   1,633,488 16,338 SH   SOLE   0 0 16,338
FIDELITY NATL INFORMATION SV COM 31620M106   339,143 5,646 SH   SOLE   0 0 5,646
GENERAL MLS INC COM 370334104   588,509 9,035 SH   SOLE   0 0 9,035
HOME DEPOT INC COM 437076102   458,189 1,322 SH   SOLE   0 0 1,322
HONEYWELL INTL INC COM 438516106   695,555 3,317 SH   SOLE   0 0 3,317
INTERNATIONAL BUSINESS MACHS COM 459200101   507,929 3,106 SH   SOLE   0 0 3,106
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   818,234 32,841 SH   SOLE   0 0 32,841
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   842,668 34,345 SH   SOLE   0 0 34,345
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   823,433 34,663 SH   SOLE   0 0 34,663
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   923,034 38,616 SH   SOLE   0 0 38,616
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486   909,840 38,301 SH   SOLE   0 0 38,301
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478   917,503 39,051 SH   SOLE   0 0 39,051
INVESCO EXCH TRD SLF IDX FD INVSC 30 MUNI BD 46138J445   848,283 37,836 SH   SOLE   0 0 37,836
INVESCO EXCH TRD SLF IDX FD BULLETSHS 31 MUN 46138J411   814,183 37,624 SH   SOLE   0 0 37,624
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   4,856,280 137,963 SH   SOLE   0 0 137,963
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   2,876,922 76,270 SH   SOLE   0 0 76,270
INVESCO QQQ TR UNIT SER 1 46090E103   453,211 1,107 SH   SOLE   0 0 1,107
ISHARES TR CORE S&P500 ETF 464287200   9,754,371 20,422 SH   SOLE   0 0 20,422
ISHARES TR CORE S&P MCP ETF 464287507   11,539,621 41,637 SH   SOLE   0 0 41,637
ISHARES TR IBONDS DEC24 ETF 46434VBG4   1,747,548 70,154 SH   SOLE   0 0 70,154
ISHARES TR IBONDS DEC25 ETF 46434VBD1   2,073,729 83,753 SH   SOLE   0 0 83,753
ISHARES TR IBONDS DEC2026 46435GAA0   2,049,470 85,752 SH   SOLE   0 0 85,752
ISHARES TR IBONDS 27 ETF 46435UAA9   2,075,461 86,730 SH   SOLE   0 0 86,730
ISHARES TR IBDS DEC28 ETF 46435U515   2,089,800 83,292 SH   SOLE   0 0 83,292
ISHARES TR IBONDS DEC 29 46436E205   2,129,205 92,293 SH   SOLE   0 0 92,293
ISHARES TR IBONDS DEC 2030 46436E726   2,084,877 96,344 SH   SOLE   0 0 96,344
ISHARES TR IBONDS DEC 2031 46436E486   2,090,564 100,653 SH   SOLE   0 0 100,653
ISHARES TR IBONDS DEC 2032 46436E312   338,587 13,420 SH   SOLE   0 0 13,420
ISHARES TR INTL SEL DIV ETF 464288448   1,868,358 66,751 SH   SOLE   0 0 66,751
ISHARES TR MSCI EAFE ETF 464287465   9,594,210 127,329 SH   SOLE   0 0 127,329
ISHARES TR RUS 1000 ETF 464287622   1,067,830 4,072 SH   SOLE   0 0 4,072
ISHARES TR RUS 1000 GRW ETF 464287614   249,206 822 SH   SOLE   0 0 822
ISHARES TR RUS 1000 VAL ETF 464287598   2,210,715 13,378 SH   SOLE   0 0 13,378
ISHARES TR SELECT DIVID ETF 464287168   1,654,952 14,118 SH   SOLE   0 0 14,118
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   969,823 18,547 SH   SOLE   0 0 18,547
JOHNSON & JOHNSON COM 478160104   930,638 5,937 SH   SOLE   0 0 5,937
JPMORGAN CHASE & CO COM 46625H100   1,340,285 7,879 SH   SOLE   0 0 7,879
KINDER MORGAN INC DEL COM 49456B101   756,737 42,899 SH   SOLE   0 0 42,899
KROGER CO COM 501044101   367,921 8,049 SH   SOLE   0 0 8,049
LAM RESEARCH CORP COM 512807108   1,710,741 2,184 SH   SOLE   0 0 2,184
LOCKHEED MARTIN CORP COM 539830109   956,079 2,109 SH   SOLE   0 0 2,109
MASTERCARD INCORPORATED CL A 57636Q104   204,553 480 SH   SOLE   0 0 480
MCDONALDS CORP COM 580135101   1,390,791 4,691 SH   SOLE   0 0 4,691
MEDTRONIC PLC SHS G5960L103   572,943 6,955 SH   SOLE   0 0 6,955
MERCK & CO INC COM 58933Y105   834,107 7,651 SH   SOLE   0 0 7,651
META PLATFORMS INC CL A 30303M102   342,279 967 SH   SOLE   0 0 967
METLIFE INC COM 59156R108   855,673 12,939 SH   SOLE   0 0 12,939
MICROSOFT CORP COM 594918104   2,790,647 7,421 SH   SOLE   0 0 7,421
MORGAN STANLEY COM NEW 617446448   244,854 2,626 SH   SOLE   0 0 2,626
NIKE INC CL B 654106103   284,453 2,620 SH   SOLE   0 0 2,620
NORFOLK SOUTHN CORP COM 655844108   840,979 3,558 SH   SOLE   0 0 3,558
NVIDIA CORPORATION COM 67066G104   836,922 1,690 SH   SOLE   0 0 1,690
OWENS CORNING NEW COM 690742101   422,045 2,847 SH   SOLE   0 0 2,847
OXFORD INDS INC COM 691497309   236,347 2,363 SH   SOLE   0 0 2,363
PEPSICO INC COM 713448108   1,034,254 6,090 SH   SOLE   0 0 6,090
PFIZER INC COM 717081103   517,939 17,990 SH   SOLE   0 0 17,990
PHILIP MORRIS INTL INC COM 718172109   708,340 7,529 SH   SOLE   0 0 7,529
PROCTER AND GAMBLE CO COM 742718109   1,065,669 7,272 SH   SOLE   0 0 7,272
QUALCOMM INC COM 747525103   868,210 6,003 SH   SOLE   0 0 6,003
RTX CORPORATION COM 75513E101   910,067 10,816 SH   SOLE   0 0 10,816
SALESFORCE INC COM 79466L302   237,879 904 SH   SOLE   0 0 904
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   221,233 3,974 SH   SOLE   0 0 3,974
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   223,061 2,930 SH   SOLE   0 0 2,930
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   323,467 1,809 SH   SOLE   0 0 1,809
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   310,537 2,277 SH   SOLE   0 0 2,277
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   354,163 1,840 SH   SOLE   0 0 1,840
SPDR S&P 500 ETF TR TR UNIT 78462F103   914,611 1,924 SH   SOLE   0 0 1,924
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   2,320,341 4,573 SH   SOLE   0 0 4,573
SPDR SER TR BLOOMBERG SHT TE 78468R408   1,475,590 58,695 SH   SOLE   0 0 58,695
SPDR SER TR PORTFOLIO AGRGTE 78464A649   1,225,298 47,789 SH   SOLE   0 0 47,789
SPDR SER TR PORTFOLIO S&P400 78464A847   1,151,949 23,644 SH   SOLE   0 0 23,644
SPDR SER TR PORTFOLIO S&P600 78468R853   520,426 12,338 SH   SOLE   0 0 12,338
SPDR SER TR S&P DIVID ETF 78464A763   7,648,869 61,206 SH   SOLE   0 0 61,206
STARBUCKS CORP COM 855244109   550,087 5,729 SH   SOLE   0 0 5,729
STELLAR BANCORP INC COM 858927106   445,440 16,000 SH   SOLE   0 0 16,000
STRYKER CORPORATION COM 863667101   322,512 1,077 SH   SOLE   0 0 1,077
TARGET CORP COM 87612E106   288,258 2,024 SH   SOLE   0 0 2,024
TEXAS INSTRS INC COM 882508104   713,260 4,184 SH   SOLE   0 0 4,184
TRACTOR SUPPLY CO COM 892356106   218,070 1,014 SH   SOLE   0 0 1,014
TRUIST FINL CORP COM 89832Q109   218,335 5,914 SH   SOLE   0 0 5,914
UNITED PARCEL SERVICE INC CL B 911312106   727,450 4,627 SH   SOLE   0 0 4,627
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   772,987 4,701 SH   SOLE   0 0 4,701
VANGUARD INDEX FDS GROWTH ETF 922908736   344,144 1,107 SH   SOLE   0 0 1,107
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,006,099 2,303 SH   SOLE   0 0 2,303
VANGUARD INDEX FDS SM CP VAL ETF 922908611   687,934 3,822 SH   SOLE   0 0 3,822
VANGUARD INDEX FDS TOTAL STK MKT 922908769   19,096,225 80,500 SH   SOLE   0 0 80,500
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   718,325 14,071 SH   SOLE   0 0 14,071
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   292,066 1,714 SH   SOLE   0 0 1,714
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,169,909 212,315 SH   SOLE   0 0 212,315
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   731,400 6,552 SH   SOLE   0 0 6,552
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   1,618,633 24,344 SH   SOLE   0 0 24,344
VANGUARD WORLD FDS ENERGY ETF 92204A306   328,736 2,803 SH   SOLE   0 0 2,803
VERIZON COMMUNICATIONS INC COM 92343V104   342,962 9,097 SH   SOLE   0 0 9,097
VISA INC COM CL A 92826C839   378,361 1,453 SH   SOLE   0 0 1,453
WALMART INC COM 931142103   404,372 2,565 SH   SOLE   0 0 2,565
WILLIAMS COS INC COM 969457100   350,597 10,066 SH   SOLE   0 0 10,066
WILLIAMS SONOMA INC COM 969904101   1,216,788 6,030 SH   SOLE   0 0 6,030
WISDOMTREE TR EMER MKT HIGH FD 97717W315   1,096,313 26,950 SH   SOLE   0 0 26,950
WISDOMTREE TR ITL HIGH DIV FD 97717W802   512,005 13,165 SH   SOLE   0 0 13,165
WISDOMTREE TR US HIGH DIVIDEND 97717W208   5,847,102 71,150 SH   SOLE   0 0 71,150
WISDOMTREE TR US LARGECAP DIVD 97717W307   257,621 3,881 SH   SOLE   0 0 3,881
WISDOMTREE TR US MIDCAP DIVID 97717W505   11,400,711 249,523 SH   SOLE   0 0 249,523
WISDOMTREE TR US SMALLCAP FUND 97717W562   653,297 13,113 SH   SOLE   0 0 13,113
WISDOMTREE TR US S CAP QTY DIV 97717X651   1,369,390 28,866 SH   SOLE   0 0 28,866