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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN NATL MUN INCOME FD SH BEN INT 24610T108   318,009 31,393 SH   SOLE   0 0 31,393
ALPHABET INC CAP STK CL A 02079K305   222,885 1,177 SH   SOLE   0 0 1,177
ALPHABET INC CAP STK CL C 02079K107   239,081 1,255 SH   SOLE   0 0 1,255
APPLE INC COM 037833100   1,197,194 4,781 SH   SOLE   0 0 4,781
ASBURY AUTOMOTIVE GROUP INC COM 043436104   1,519,424 6,252 SH   SOLE   0 0 6,252
BOOKING HOLDINGS INC NOTE 0.750% 5/0 09857LAN8   26,442 10,000 SH   SOLE   0 0 10,000
CATERPILLAR INC COM 149123101   289,120 797 SH   SOLE   0 0 797
CITIGROUP INC COM NEW 172967424   343,311 4,877 SH   SOLE   0 0 4,877
EURONET WORLDWIDE INC NOTE 0.750% 3/1 298736AL3   13,879 14,000 SH   SOLE   0 0 14,000
EXPEDIA GROUP INC NOTE 2/1 30212PBE4   9,924 10,000 SH   SOLE   0 0 10,000
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595   2,262,898 93,258 SH   SOLE   0 0 93,258
GLOBAL X FDS GENOMIC BIOTECH 37954Y434   601,412 61,937 SH   SOLE   0 0 61,937
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   320,338 3,206 SH   SOLE   0 0 3,206
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   1,706,824 8,110 SH   SOLE   0 0 8,110
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   365,797 9,068 SH   SOLE   0 0 9,068
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   240,261 5,774 SH   SOLE   0 0 5,774
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   25,229,194 143,978 SH   SOLE   0 0 143,978
INVESCO QQQ TR UNIT SER 1 46090E103   4,684,021 9,162 SH   SOLE   0 0 9,162
ISHARES INC CORE MSCI EMKT 46434G103   255,394 4,891 SH   SOLE   0 0 4,891
ISHARES INC MSCI EMRG CHN 46434G764   1,118,045 20,163 SH   SOLE   0 0 20,163
ISHARES TR IBONDS DEC 29 46436E205   286,307 12,557 SH   SOLE   0 0 12,557
ISHARES TR 0-3 MNTH TREASRY 46436E718   205,234 2,046 SH   SOLE   0 0 2,046
ISHARES TR CORE DIV GRWTH 46434V621   564,573 9,204 SH   SOLE   0 0 9,204
ISHARES TR CORE MSCI TOTAL 46432F834   3,929,038 59,405 SH   SOLE   0 0 59,405
ISHARES TR CORE S&P500 ETF 464287200   1,275,527 2,167 SH   SOLE   0 0 2,167
ISHARES TR IBDS DEC28 ETF 46435U515   847,258 34,026 SH   SOLE   0 0 34,026
ISHARES TR IBONDS 2026 TERM 46436E528   1,151,255 49,730 SH   SOLE   0 0 49,730
ISHARES TR IBONDS 2027 TERM 46436E478   1,038,736 46,706 SH   SOLE   0 0 46,706
ISHARES TR IBONDS 27 ETF 46435UAA9   3,137,768 130,959 SH   SOLE   0 0 130,959
ISHARES TR IBONDS 28 TR HI 46436E387   352,474 15,083 SH   SOLE   0 0 15,083
ISHARES TR IBONDS DEC 27 46435U283   250,999 9,984 SH   SOLE   0 0 9,984
ISHARES TR IBONDS DEC2026 46435GAA0   3,407,420 141,563 SH   SOLE   0 0 141,563
ISHARES TR IBONDS DEC25 ETF 46434VBD1   476,981 19,041 SH   SOLE   0 0 19,041
ISHARES TR MSCI EAFE ETF 464287465   433,385 5,732 SH   SOLE   0 0 5,732
ISHARES TR MSCI EMG MKT ETF 464287234   380,693 9,103 SH   SOLE   0 0 9,103
ISHARES TR MSCI USA QLT FCT 46432F339   1,461,140 8,205 SH   SOLE   0 0 8,205
ISHARES TR RUS 1000 ETF 464287622   1,598,915 4,963 SH   SOLE   0 0 4,963
ISHARES TR RUS 1000 GRW ETF 464287614   894,008 2,226 SH   SOLE   0 0 2,226
ISHARES TR RUSSELL 2000 ETF 464287655   1,133,535 5,130 SH   SOLE   0 0 5,130
ISHARES TR RUSSELL 3000 ETF 464287689   682,416 2,042 SH   SOLE   0 0 2,042
ISHARES TR S&P MC 400GR ETF 464287606   211,699 2,328 SH   SOLE   0 0 2,328
MICROSOFT CORP COM 594918104   1,331,687 3,159 SH   SOLE   0 0 3,159
NETFLIX INC COM 64110L106   353,855 397 SH   SOLE   0 0 397
NEWELL BRANDS INC COM 651229106   583,856 58,620 SH   SOLE   0 0 58,620
NUVEEN MUN VALUE FD INC COM 670928100   141,394 16,460 SH   SOLE   0 0 16,460
NUVEEN SELECT MAT MUN FD SH BEN INT 67061T101   104,177 11,961 SH   SOLE   0 0 11,961
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   298,465 19,701 SH   SOLE   0 0 19,701
PFIZER INC COM 717081103   401,506 15,134 SH   SOLE   0 0 15,134
PROCTER AND GAMBLE CO COM 742718109   244,769 1,460 SH   SOLE   0 0 1,460
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   2,076,502 85,190 SH   SOLE   0 0 85,190
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,669,814 137,807 SH   SOLE   0 0 137,807
SCHWAB STRATEGIC TR HIGH YIELD BD ET 808524631   218,500 8,352 SH   SOLE   0 0 8,352
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,894,305 534,827 SH   SOLE   0 0 534,827
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   294,531 12,242 SH   SOLE   0 0 12,242
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,455,201 108,159 SH   SOLE   0 0 108,159
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   549,539 24,209 SH   SOLE   0 0 24,209
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   497,730 18,219 SH   SOLE   0 0 18,219
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,598,507 57,356 SH   SOLE   0 0 57,356
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   9,410,283 339,599 SH   SOLE   0 0 339,599
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   9,570,368 370,084 SH   SOLE   0 0 370,084
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   372,204 4,917 SH   SOLE   0 0 4,917
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   223,917 963 SH   SOLE   0 0 963
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,193,025 8,861 SH   SOLE   0 0 8,861
SPDR SER TR BLOOMBERG 3-12 M 78468R523   350,943 3,540 SH   SOLE   0 0 3,540
SPDR SER TR PORTFOLI S&P1500 78464A805   424,546 5,944 SH   SOLE   0 0 5,944
SPDR SER TR PORTFOLIO S&P600 78468R853   295,563 6,580 SH   SOLE   0 0 6,580
SPDR SER TR PRTFLO S&P500 GW 78464A409   4,091,804 46,551 SH   SOLE   0 0 46,551
TANGER INC COM 875465106   2,972,041 87,080 SH   SOLE   0 0 87,080
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   553,530 3,000 SH   SOLE   0 0 3,000
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   21,794,564 303,081 SH   SOLE   0 0 303,081
VANGUARD INDEX FDS GROWTH ETF 922908736   7,116,298 17,338 SH   SOLE   0 0 17,338
VANGUARD INDEX FDS MID CAP ETF 922908629   770,513 2,917 SH   SOLE   0 0 2,917
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,469,375 2,727 SH   SOLE   0 0 2,727
VANGUARD INDEX FDS SM CP VAL ETF 922908611   773,533 3,903 SH   SOLE   0 0 3,903
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,435,181 5,973 SH   SOLE   0 0 5,973
VANGUARD INDEX FDS SML CP GRW ETF 922908595   307,234 1,097 SH   SOLE   0 0 1,097
VANGUARD INDEX FDS TOTAL STK MKT 922908769   203,414 702 SH   SOLE   0 0 702
VANGUARD INDEX FDS VALUE ETF 922908744   15,282,333 90,268 SH   SOLE   0 0 90,268
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,014,496 35,090 SH   SOLE   0 0 35,090
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   629,936 14,304 SH   SOLE   0 0 14,304
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   3,051,347 40,804 SH   SOLE   0 0 40,804
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   689,080 12,449 SH   SOLE   0 0 12,449
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,850,096 36,535 SH   SOLE   0 0 36,535
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   283,261 2,742 SH   SOLE   0 0 2,742
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   452,489 2,311 SH   SOLE   0 0 2,311
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,651,248 55,442 SH   SOLE   0 0 55,442
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   437,308 3,427 SH   SOLE   0 0 3,427
WALMART INC COM 931142103   240,857 2,666 SH   SOLE   0 0 2,666