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
2023 ETF SERIES TRUST II GMO US QUALITY E 90139K100   9,332,108 300,842 SH   SOLE   0 0 300,842
3M CO COM 88579Y101   268,667 2,629 SH   SOLE   0 0 2,629
ABBVIE INC COM 00287Y109   477,048 2,781 SH   SOLE   0 0 2,781
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   532,005 1,753 SH   SOLE   0 0 1,753
ALLY FINL INC COM 02005N100   221,803 5,591 SH   SOLE   0 0 5,591
ALPHABET INC CAP STK CL C 02079K107   1,026,146 5,595 SH   SOLE   0 0 5,595
ALPHABET INC CAP STK CL A 02079K305   756,204 4,152 SH   SOLE   0 0 4,152
AMAZON COM INC COM 023135106   2,797,804 14,478 SH   SOLE   0 0 14,478
AMERICAN INTL GROUP INC COM NEW 026874784   216,299 2,914 SH   SOLE   0 0 2,914
AMGEN INC COM 031162100   418,880 1,341 SH   SOLE   0 0 1,341
APPLE INC COM 037833100   5,048,021 23,967 SH   SOLE   0 0 23,967
AT&T INC COM 00206R102   251,272 13,149 SH   SOLE   0 0 13,149
AUTOMATIC DATA PROCESSING IN COM 053015103   462,676 1,938 SH   SOLE   0 0 1,938
BANK AMERICA CORP COM 060505104   516,439 12,986 SH   SOLE   0 0 12,986
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,720,764 4,230 SH   SOLE   0 0 4,230
BLACKROCK INC COM 09247X101   329,100 418 SH   SOLE   0 0 418
BLACKSTONE INC COM 09260D107   377,024 3,045 SH   SOLE   0 0 3,045
BROADCOM INC COM 11135F101   1,192,909 743 SH   SOLE   0 0 743
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   9,464,472 138,613 SH   SOLE   0 0 138,613
CATERPILLAR INC COM 149123101   285,593 857 SH   SOLE   0 0 857
CATO CORP NEW CL A 149205106   150,537 27,173 SH   SOLE   0 0 27,173
CHEVRON CORP NEW COM 166764100   381,456 2,439 SH   SOLE   0 0 2,439
CHUBB LIMITED COM H1467J104   244,036 957 SH   SOLE   0 0 957
COCA COLA CO COM 191216100   3,955,090 62,138 SH   SOLE   0 0 62,138
COMCAST CORP NEW CL A 20030N101   221,773 5,663 SH   SOLE   0 0 5,663
COMPASS INC CL A 20464U100   54,036 15,010 SH   SOLE   0 0 15,010
CORE SCIENTIFIC INC NEW *W EXP 01/23/202 21874A114   286,511 63,528 SH   SOLE   0 0 63,528
CORE SCIENTIFIC INC NEW *W EXP 01/23/202 21874A130   460,049 52,940 SH   SOLE   0 0 52,940
COSTCO WHSL CORP NEW COM 22160K105   410,495 483 SH   SOLE   0 0 483
DELTA AIR LINES INC DEL COM NEW 247361702   234,938 4,952 SH   SOLE   0 0 4,952
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,993,845 55,477 SH   SOLE   0 0 55,477
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   2,609,346 94,885 SH   SOLE   0 0 94,885
DIVERSIFIED HEALTHCARE TR COM SH BEN INT 25525P107   36,524 11,975 SH   SOLE   0 0 11,975
DUKE ENERGY CORP NEW COM NEW 26441C204   417,115 4,162 SH   SOLE   0 0 4,162
EATON CORP PLC SHS G29183103   329,228 1,050 SH   SOLE   0 0 1,050
ELI LILLY & CO COM 532457108   662,118 731 SH   SOLE   0 0 731
ENPRO INC COM 29355X107   272,717 1,873 SH   SOLE   0 0 1,873
EXXON MOBIL CORP COM 30231G102   273,256 2,374 SH   SOLE   0 0 2,374
GE AEROSPACE COM NEW 369604301   471,728 2,967 SH   SOLE   0 0 2,967
GENUINE PARTS CO COM 372460105   242,326 1,752 SH   SOLE   0 0 1,752
HARTFORD FINL SVCS GROUP INC COM 416515104   238,170 2,369 SH   SOLE   0 0 2,369
HCA HEALTHCARE INC COM 40412C101   296,220 922 SH   SOLE   0 0 922
HOME DEPOT INC COM 437076102   1,275,139 3,704 SH   SOLE   0 0 3,704
HONEYWELL INTL INC COM 438516106   352,532 1,651 SH   SOLE   0 0 1,651
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   2,942,876 60,453 SH   SOLE   0 0 60,453
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   238,924 6,412 SH   SOLE   0 0 6,412
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   922,468 24,186 SH   SOLE   0 0 24,186
INVESCO EXCHANGE TRADED FD T LARGE CAP GROWTH 46137V746   218,813 2,317 SH   SOLE   0 0 2,317
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   4,605,540 72,483 SH   SOLE   0 0 72,483
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,559,263 41,087 SH   SOLE   0 0 41,087
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   308,325 3,000 SH   SOLE   0 0 3,000
INVESCO QQQ TR UNIT SER 1 46090E103   710,638 1,483 SH   SOLE   0 0 1,483
INVESTMENT MANAGERS SER TR I FPA GBL EQTY ETF 30254T577   16,143,626 545,393 SH   SOLE   0 0 545,393
ISHARES INC CORE MSCI EMKT 46434G103   669,917 12,515 SH   SOLE   0 0 12,515
ISHARES TR CORE MSCI TOTAL 46432F834   1,841,088 27,251 SH   SOLE   0 0 27,251
ISHARES TR CORE MSCI EAFE 46432F842   803,163 11,057 SH   SOLE   0 0 11,057
ISHARES TR US TREAS BD ETF 46429B267   31,182,207 1,381,578 SH   SOLE   0 0 1,381,578
ISHARES TR 0-5YR HI YL CP 46434V407   2,997,689 71,035 SH   SOLE   0 0 71,035
ISHARES TR BLACKROCK ULTRA 46434V878   882,446 17,464 SH   SOLE   0 0 17,464
ISHARES TR CORE MSCI INTL 46435G326   1,029,950 15,691 SH   SOLE   0 0 15,691
ISHARES TR CORE S&P TTL STK 464287150   244,480 2,058 SH   SOLE   0 0 2,058
ISHARES TR ISHS 1-5YR INVS 464288646   764,440 14,919 SH   SOLE   0 0 14,919
ISHARES TR NATIONAL MUN ETF 464288414   339,259 3,184 SH   SOLE   0 0 3,184
ISHARES TR RUS TP200 GR ETF 464289438   349,772 1,630 SH   SOLE   0 0 1,630
ISHARES TR CORE S&P MCP ETF 464287507   249,405 4,262 SH   SOLE   0 0 4,262
ISHARES TR CORE S&P SCP ETF 464287804   12,366,684 115,945 SH   SOLE   0 0 115,945
ISHARES TR CORE S&P500 ETF 464287200   14,723,966 26,906 SH   SOLE   0 0 26,906
ISHARES TR S&P 500 GRWT ETF 464287309   849,181 9,176 SH   SOLE   0 0 9,176
ISHARES TR RUS 1000 ETF 464287622   668,975 2,248 SH   SOLE   0 0 2,248
ISHARES TR RUS 1000 VAL ETF 464287598   1,983,363 11,368 SH   SOLE   0 0 11,368
ISHARES TR RUS 1000 GRW ETF 464287614   4,791,816 13,146 SH   SOLE   0 0 13,146
ISHARES TR RUSSELL 2000 ETF 464287655   953,518 4,700 SH   SOLE   0 0 4,700
ISHARES TR RUS 2000 VAL ETF 464287630   264,108 1,734 SH   SOLE   0 0 1,734
ISHARES TR RUSSELL 3000 ETF 464287689   1,709,723 5,539 SH   SOLE   0 0 5,539
ISHARES TR CORE S&P US VLU 464287663   260,384 2,955 SH   SOLE   0 0 2,955
ISHARES TR CORE S&P US GWT 464287671   219,729 1,724 SH   SOLE   0 0 1,724
ISHARES TR U.S. FINLS ETF 464287788   283,710 3,000 SH   SOLE   0 0 3,000
ISHARES TR U.S. TECH ETF 464287721   208,997 1,389 SH   SOLE   0 0 1,389
ISHARES TR MSCI EAFE ETF 464287465   346,927 4,429 SH   SOLE   0 0 4,429
ISHARES TR 1 3 YR TREAS BD 464287457   775,080 9,493 SH   SOLE   0 0 9,493
ISHARES TR MORNINGSTAR VALU 464288109   946,403 12,400 SH   SOLE   0 0 12,400
ISHARES TR S&P 100 ETF 464287101   1,143,253 4,326 SH   SOLE   0 0 4,326
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   24,042,313 476,368 SH   SOLE   0 0 476,368
JABIL INC COM 466313103   425,804 3,914 SH   SOLE   0 0 3,914
JOHNSON & JOHNSON COM 478160104   528,338 3,615 SH   SOLE   0 0 3,615
JPMORGAN CHASE & CO. COM 46625H100   1,277,234 6,315 SH   SOLE   0 0 6,315
LEGG MASON ETF INVT WESTN ASET TTL 52468L810   207,470 10,405 SH   SOLE   0 0 10,405
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   491,601 16,354 SH   SOLE   0 0 16,354
LOWES COS INC COM 548661107   1,574,377 7,141 SH   SOLE   0 0 7,141
MANULIFE FINL CORP COM 56501R106   342,094 12,851 SH   SOLE   0 0 12,851
MASTERCARD INCORPORATED CL A 57636Q104   413,095 936 SH   SOLE   0 0 936
MCDONALDS CORP COM 580135101   397,979 1,562 SH   SOLE   0 0 1,562
MERCK & CO INC COM 58933Y105   425,830 3,440 SH   SOLE   0 0 3,440
META PLATFORMS INC CL A 30303M102   296,496 588 SH   SOLE   0 0 588
MICROSOFT CORP COM 594918104   3,626,204 8,113 SH   SOLE   0 0 8,113
NOV INC COM 62955J103   261,578 13,760 SH   SOLE   0 0 13,760
NVIDIA CORPORATION COM 67066G104   1,449,172 11,730 SH   SOLE   0 0 11,730
ORACLE CORP COM 68389X105   291,719 2,066 SH   SOLE   0 0 2,066
PALO ALTO NETWORKS INC COM 697435105   455,629 1,344 SH   SOLE   0 0 1,344
PAYCHEX INC COM 704326107   266,997 2,252 SH   SOLE   0 0 2,252
PEPSICO INC COM 713448108   245,601 1,489 SH   SOLE   0 0 1,489
PROCTER AND GAMBLE CO COM 742718109   1,028,467 6,236 SH   SOLE   0 0 6,236
QUALCOMM INC COM 747525103   379,997 1,908 SH   SOLE   0 0 1,908
RTX CORPORATION COM 75513E101   406,717 4,051 SH   SOLE   0 0 4,051
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   5,265,963 95,884 SH   SOLE   0 0 95,884
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   12,504,580 356,968 SH   SOLE   0 0 356,968
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   8,090,646 120,792 SH   SOLE   0 0 120,792
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,037,988 26,209 SH   SOLE   0 0 26,209
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,028,562 31,573 SH   SOLE   0 0 31,573
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   621,052 8,384 SH   SOLE   0 0 8,384
SELECT SECTOR SPDR TR INDL 81369Y704   287,519 2,359 SH   SOLE   0 0 2,359
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,234,778 9,878 SH   SOLE   0 0 9,878
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,942,676 5,407 SH   SOLE   0 0 5,407
STRYKER CORPORATION COM 863667101   227,287 668 SH   SOLE   0 0 668
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107   304,647 7,868 SH   SOLE   0 0 7,868
TESLA INC COM 88160R101   1,302,644 6,583 SH   SOLE   0 0 6,583
THE CIGNA GROUP COM 125523100   249,392 754 SH   SOLE   0 0 754
TJX COS INC NEW COM 872540109   393,636 3,575 SH   SOLE   0 0 3,575
TRUIST FINL CORP COM 89832Q109   410,745 10,573 SH   SOLE   0 0 10,573
UNITEDHEALTH GROUP INC COM 91324P102   779,576 1,531 SH   SOLE   0 0 1,531
VALERO ENERGY CORP COM 91913Y100   265,089 1,691 SH   SOLE   0 0 1,691
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   254,776 2,571 SH   SOLE   0 0 2,571
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   2,425,982 24,702 SH   SOLE   0 0 24,702
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   4,400,337 13,196 SH   SOLE   0 0 13,196
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   1,410,054 8,022 SH   SOLE   0 0 8,022
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,239,710 29,201 SH   SOLE   0 0 29,201
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   565,377 7,847 SH   SOLE   0 0 7,847
VANGUARD INDEX FDS LARGE CAP ETF 922908637   300,727 1,205 SH   SOLE   0 0 1,205
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   274,535 1,825 SH   SOLE   0 0 1,825
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,808,415 12,880 SH   SOLE   0 0 12,880
VANGUARD INDEX FDS GROWTH ETF 922908736   248,226 664 SH   SOLE   0 0 664
VANGUARD INDEX FDS VALUE ETF 922908744   2,021,313 12,601 SH   SOLE   0 0 12,601
VANGUARD INDEX FDS MID CAP ETF 922908629   405,065 1,673 SH   SOLE   0 0 1,673
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   15,363,475 30,719 SH   SOLE   0 0 30,719
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   431,292 2,555 SH   SOLE   0 0 2,555
VANGUARD INDEX FDS TOTAL STK MKT 922908769   286,236 1,070 SH   SOLE   0 0 1,070
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,566,092 35,788 SH   SOLE   0 0 35,788
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   500,829 4,447 SH   SOLE   0 0 4,447
VANGUARD MALVERN FDS CORE BD ETF 922020748   9,786,175 128,714 SH   SOLE   0 0 128,714
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   483,479 9,648 SH   SOLE   0 0 9,648
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   1,363,545 14,535 SH   SOLE   0 0 14,535
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,375,439 17,963 SH   SOLE   0 0 17,963
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   2,786,817 48,057 SH   SOLE   0 0 48,057
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   532,019 6,885 SH   SOLE   0 0 6,885
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   7,015,574 38,431 SH   SOLE   0 0 38,431
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,705,808 95,221 SH   SOLE   0 0 95,221
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   745,158 6,283 SH   SOLE   0 0 6,283
VERISK ANALYTICS INC COM 92345Y106   670,910 2,489 SH   SOLE   0 0 2,489
VERIZON COMMUNICATIONS INC COM 92343V104   646,536 15,677 SH   SOLE   0 0 15,677
VISA INC COM CL A 92826C839   420,326 1,601 SH   SOLE   0 0 1,601
WALMART INC COM 931142103   425,370 6,282 SH   SOLE   0 0 6,282
WELLS FARGO CO NEW COM 949746101   572,916 9,647 SH   SOLE   0 0 9,647
WISDOMTREE TR US QTLY DIV GRT 97717X669   836,629 10,719 SH   SOLE   0 0 10,719