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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 305 1,715 SH   SOLE   0 0 1,715
ABBOTT LABS COM 002824100 351 2,492 SH   SOLE   0 0 2,492
ABBVIE INC COM 00287Y109 431 3,180 SH   SOLE   0 0 3,180
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 674 1,625 SH   SOLE   0 0 1,625
ADOBE SYSTEMS INCORPORATED COM 00724F101 557 983 SH   SOLE   0 0 983
ADVANCED MICRO DEVICES INC COM 007903107 359 2,498 SH   SOLE   0 0 2,498
ALPHABET INC CAP STK CL C 02079K107 648 224 SH   SOLE   0 0 224
ALPHABET INC CAP STK CL A 02079K305 1,196 413 SH   SOLE   0 0 413
AMAZON COM INC COM 023135106 1,550 465 SH   SOLE   0 0 465
APPLE INC COM 037833100 3,255 18,333 SH   SOLE   0 0 18,333
APPLIED MATLS INC COM 038222105 240 1,522 SH   SOLE   0 0 1,522
AT&T INC COM 00206R102 324 13,189 SH   SOLE   0 0 13,189
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,071 3,581 SH   SOLE   0 0 3,581
BK OF AMERICA CORP COM 060505104 444 9,976 SH   SOLE   0 0 9,976
BOEING CO COM 097023105 223 1,110 SH   SOLE   0 0 1,110
BROADCOM INC COM 11135F101 254 381 SH   SOLE   0 0 381
CHURCH & DWIGHT CO INC COM 171340102 705 6,876 SH   SOLE   0 0 6,876
CISCO SYS INC COM 17275R102 876 13,817 SH   SOLE   0 0 13,817
COCA COLA CO COM 191216100 335 5,666 SH   SOLE   0 0 5,666
COMCAST CORP NEW CL A 20030N101 315 6,259 SH   SOLE   0 0 6,259
COSTCO WHSL CORP NEW COM 22160K105 1,304 2,297 SH   SOLE   0 0 2,297
CSX CORP COM 126408103 296 7,881 SH   SOLE   0 0 7,881
DANAHER CORPORATION COM 235851102 214 650 SH   SOLE   0 0 650
DICKS SPORTING GOODS INC COM 253393102 237 2,057 SH   SOLE   0 0 2,057
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1,284 49,180 SH   SOLE   0 0 49,180
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 8,617 297,445 SH   SOLE   0 0 297,445
DISNEY WALT CO COM 254687106 293 1,893 SH   SOLE   0 0 1,893
DOMINION ENERGY INC COM 25746U109 262 3,333 SH   SOLE   0 0 3,333
DUKE ENERGY CORP NEW COM NEW 26441C204 271 2,584 SH   SOLE   0 0 2,584
EXXON MOBIL CORP COM 30231G102 601 9,823 SH   SOLE   0 0 9,823
HOME DEPOT INC COM 437076102 2,603 6,273 SH   SOLE   0 0 6,273
HONEYWELL INTL INC COM 438516106 476 2,281 SH   SOLE   0 0 2,281
INTUIT COM 461202103 238 370 SH   SOLE   0 0 370
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 4,096 155,463 SH   SOLE   0 0 155,463
INVESCO QQQ TR UNIT SER 1 00461E107 15,912 39,996 SH   SOLE   0 0 39,996
ISHARES TR NATIONAL MUN ETF 464288414 6,325 54,395 SH   SOLE   0 0 54,395
ISHARES TR CORE MSCI INTL 46435G326 6,299 93,243 SH   SOLE   0 0 93,243
ISHARES TR SHRT NAT MUN ETF 464288158 225 2,096 SH   SOLE   0 0 2,096
ISHARES TR BLACKROCK ULTRA 46434V878 678 13,462 SH   SOLE   0 0 13,462
ISHARES TR CORE S&P500 ETF 464287200 9,297 19,491 SH   SOLE   0 0 19,491
ISHARES TR TIPS BD ETF 464287176 269 2,082 SH   SOLE   0 0 2,082
ISHARES TR MSCI USA VALUE 46432F388 487 4,452 SH   SOLE   0 0 4,452
ISHARES TR MSCI INTL VLU FT 46435G409 1,749 68,734 SH   SOLE   0 0 68,734
ISHARES TR IBOXX INV CP ETF 464287242 29,739 224,410 SH   SOLE   0 0 224,410
JOHNSON & JOHNSON COM 478160104 501 2,927 SH   SOLE   0 0 2,927
JPMORGAN CHASE & CO COM 46625H100 825 5,210 SH   SOLE   0 0 5,210
LOCKHEED MARTIN CORP COM 539830109 285 803 SH   SOLE   0 0 803
LOWES COS INC COM 548661107 257 996 SH   SOLE   0 0 996
MASTERCARD INCORPORATED CL A 57636Q104 1,142 3,179 SH   SOLE   0 0 3,179
MCDONALDS CORP COM 580135101 264 984 SH   SOLE   0 0 984
MERCK & CO INC COM 58933Y105 580 7,564 SH   SOLE   0 0 7,564
META PLATFORMS INC CL A 30303M102 591 1,757 SH   SOLE   0 0 1,757
MICRON TECHNOLOGY INC COM 595112103 259 2,784 SH   SOLE   0 0 2,784
MICROSOFT CORP COM 594918104 3,011 8,952 SH   SOLE   0 0 8,952
MOODYS CORP COM 615369105 251 642 SH   SOLE   0 0 642
NETFLIX INC COM 64110L106 232 385 SH   SOLE   0 0 385
NIKE INC CL B 654106103 416 2,496 SH   SOLE   0 0 2,496
NOVO-NORDISK A S ADR 670100205 382 3,411 SH   SOLE   0 0 3,411
NVIDIA CORPORATION COM 67066G104 954 3,242 SH   SOLE   0 0 3,242
PALANTIR TECHNOLOGIES INC CL A 69608A108 185 10,139 SH   SOLE   0 0 10,139
PALANTIR TECHNOLOGIES INC CL A 69608A108 142 10,000 SH Put SOLE   0 0 10,000
PAYPAL HLDGS INC COM 70450Y103 212 1,126 SH   SOLE   0 0 1,126
PEPSICO INC COM 713448108 236 1,360 SH   SOLE   0 0 1,360
PFIZER INC COM 717081103 227 3,836 SH   SOLE   0 0 3,836
PNC FINL SVCS GROUP INC COM 693475105 510 2,545 SH   SOLE   0 0 2,545
PROCTER AND GAMBLE CO COM 742718109 287 1,755 SH   SOLE   0 0 1,755
QUANTUM SI INC COM CL A 74765K105 291 37,000 SH   SOLE   0 0 37,000
SOUTHERN CO COM 842587107 427 6,221 SH   SOLE   0 0 6,221
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 8,490 204,632 SH   SOLE   0 0 204,632
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,790 158,723 SH   SOLE   0 0 158,723
SPDR S&P 500 ETF TR TR UNIT 78462F103 400 843 SH   SOLE   0 0 843
SPDR SER TR BLOOMBERG HIGH Y 78468R622 6,507 59,932 SH   SOLE   0 0 59,932
STARBUCKS CORP COM 855244109 387 3,305 SH   SOLE   0 0 3,305
TESLA INC COM 88160R101 1,155 1,093 SH   SOLE   0 0 1,093
THERMO FISHER SCIENTIFIC INC COM 883556102 229 343 SH   SOLE   0 0 343
TWILIO INC CL A 90138F102 279 1,059 SH   SOLE   0 0 1,059
UNION PAC CORP COM 907818108 221 877 SH   SOLE   0 0 877
UNITED PARCEL SERVICE INC CL B 911312106 492 2,295 SH   SOLE   0 0 2,295
UNITEDHEALTH GROUP INC COM 91324P102 461 918 SH   SOLE   0 0 918
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 598 7,393 SH   SOLE   0 0 7,393
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,153 60,806 SH   SOLE   0 0 60,806
VANGUARD BD INDEX FDS INTERMED TERM 921937819 5,930 67,677 SH   SOLE   0 0 67,677
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 11,610 210,487 SH   SOLE   0 0 210,487
VANGUARD INDEX FDS MID CAP ETF 922908629 12,124 47,588 SH   SOLE   0 0 47,588
VANGUARD INDEX FDS SMALL CP ETF 922908751 11,937 52,816 SH   SOLE   0 0 52,816
VANGUARD INDEX FDS VALUE ETF 922908744 11,152 75,805 SH   SOLE   0 0 75,805
VANGUARD INDEX FDS LARGE CAP ETF 922908637 4,945 22,372 SH   SOLE   0 0 22,372
VANGUARD INDEX FDS GROWTH ETF 922908736 3,784 11,793 SH   SOLE   0 0 11,793
VANGUARD INDEX FDS SM CP VAL ETF 922908611 508 2,838 SH   SOLE   0 0 2,838
VANGUARD INDEX FDS TOTAL STK MKT 922908769 35,971 148,986 SH   SOLE   0 0 148,986
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,310 71,636 SH   SOLE   0 0 71,636
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,593 52,418 SH   SOLE   0 0 52,418
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,168 23,652 SH   SOLE   0 0 23,652
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 16,342 152,122 SH   SOLE   0 0 152,122
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 405 7,877 SH   SOLE   0 0 7,877
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,830 106,167 SH   SOLE   0 0 106,167
VANGUARD STAR FDS VG TL INTL STK F 921909768 8,074 127,008 SH   SOLE   0 0 127,008
VERIZON COMMUNICATIONS INC COM 92343V104 258 4,964 SH   SOLE   0 0 4,964
VISA INC COM CL A 92826C839 662 3,055 SH   SOLE   0 0 3,055
WALMART INC COM 931142103 836 5,781 SH   SOLE   0 0 5,781
WASTE MGMT INC DEL COM 94106L109 323 1,933 SH   SOLE   0 0 1,933