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
ALPHABET INC CAP STK CL A 02079K305   376,495 2,270 SH   SOLE   0 0 2,270
ALPHABET INC CAP STK CL C 02079K107   617,675 3,694 SH   SOLE   0 0 3,694
AMAZON COM INC COM 023135106   515,761 2,768 SH   SOLE   0 0 2,768
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   9,691,227 137,133 SH   SOLE   0 0 137,133
AMERICAN CENTY ETF TR US SML CP VALU 025072877   6,057,422 63,132 SH   SOLE   0 0 63,132
APPLE INC COM 037833100   3,181,556 13,655 SH   SOLE   0 0 13,655
BANK AMERICA CORP COM 060505104   314,980 7,938 SH   SOLE   0 0 7,938
BROADCOM INC COM 11135F101   690,345 4,002 SH   SOLE   0 0 4,002
CADENCE BANK COM 12740C103   537,851 16,887 SH   SOLE   0 0 16,887
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   870,918 37,669 SH   SOLE   0 0 37,669
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201   1,022,693 37,243 SH   SOLE   0 0 37,243
CHUBB LIMITED COM H1467J104   204,757 710 SH   SOLE   0 0 710
CISCO SYS INC COM 17275R102   241,991 4,547 SH   SOLE   0 0 4,547
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,112,168 19,992 SH   SOLE   0 0 19,992
DUKE ENERGY CORP NEW COM NEW 26441C204   232,560 2,017 SH   SOLE   0 0 2,017
EXXON MOBIL CORP COM 30231G102   261,978 2,235 SH   SOLE   0 0 2,235
HOME DEPOT INC COM 437076102   252,016 622 SH   SOLE   0 0 622
INSPERITY INC COM 45778Q107   1,070,520 12,165 SH   SOLE   0 0 12,165
INTERNATIONAL BUSINESS MACHS COM 459200101   980,932 4,437 SH   SOLE   0 0 4,437
INVESCO QQQ TR UNIT SER 1 46090E103   57,631,971 118,081 SH   SOLE   0 0 118,081
ISHARES INC CORE MSCI EMKT 46434G103   3,322,060 57,861 SH   SOLE   0 0 57,861
ISHARES INC ESG AWR MSCI EM 46434G863   5,508,050 151,278 SH   SOLE   0 0 151,278
ISHARES TR 20 YR TR BD ETF 464287432   3,401,588 34,675 SH   SOLE   0 0 34,675
ISHARES TR 7-10 YR TRSY BD 464287440   231,367 2,358 SH   SOLE   0 0 2,358
ISHARES TR COHEN STEER REIT 464287564   870,726 13,211 SH   SOLE   0 0 13,211
ISHARES TR CORE INTL AGGR 46435G672   722,257 13,938 SH   SOLE   0 0 13,938
ISHARES TR CORE S&P MCP ETF 464287507   731,950 11,745 SH   SOLE   0 0 11,745
ISHARES TR CORE S&P SCP ETF 464287804   1,314,686 11,240 SH   SOLE   0 0 11,240
ISHARES TR CORE S&P500 ETF 464287200   1,281,384 2,221 SH   SOLE   0 0 2,221
ISHARES TR CORE US AGGBD ET 464287226   2,878,453 28,424 SH   SOLE   0 0 28,424
ISHARES TR CRE U S REIT ETF 464288521   642,114 10,429 SH   SOLE   0 0 10,429
ISHARES TR EAFE SML CP ETF 464288273   1,380,640 20,394 SH   SOLE   0 0 20,394
ISHARES TR FALN ANGLS USD 46435G474   238,872 8,737 SH   SOLE   0 0 8,737
ISHARES TR IBOXX INV CP ETF 464287242   759,305 6,721 SH   SOLE   0 0 6,721
ISHARES TR ISHS 1-5YR INVS 464288646   256,823 4,877 SH   SOLE   0 0 4,877
ISHARES TR MSCI ACWI ETF 464288257   3,971,874 33,224 SH   SOLE   0 0 33,224
ISHARES TR MSCI INTL QUALTY 46434V456   5,482,095 132,131 SH   SOLE   0 0 132,131
ISHARES TR NATIONAL MUN ETF 464288414   259,606 2,390 SH   SOLE   0 0 2,390
ISHARES TR RUS 2000 GRW ETF 464287648   800,984 2,820 SH   SOLE   0 0 2,820
ISHARES TR RUS MD CP GR ETF 464287481   2,613,288 22,281 SH   SOLE   0 0 22,281
ISHARES TR RUS MDCP VAL ETF 464287473   939,197 7,102 SH   SOLE   0 0 7,102
ISHARES TR S&P 500 GRWT ETF 464287309   675,229 7,052 SH   SOLE   0 0 7,052
ISHARES TR S&P MC 400GR ETF 464287606   216,587 2,356 SH   SOLE   0 0 2,356
ISHARES TR SHORT TREAS BD 464288679   367,623 3,323 SH   SOLE   0 0 3,323
ISHARES TR SHRT NAT MUN ETF 464288158   1,188,115 11,189 SH   SOLE   0 0 11,189
ISHARES TR SP SMCP600VL ETF 464287879   937,664 8,709 SH   SOLE   0 0 8,709
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,043,883 20,492 SH   SOLE   0 0 20,492
JOHNSON & JOHNSON COM 478160104   200,468 1,237 SH   SOLE   0 0 1,237
=VLOOKUP(C50,Sheet1!A:B,2,FALSE) COM 46625H100   663,787 3,148 SH   SOLE   0 0 3,148
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   40,744 13,059 SH   SOLE   0 0 13,059
MERCK & CO INC COM 58933Y105   356,919 3,143 SH   SOLE   0 0 3,143
META PLATFORMS INC CL A 30303M102   1,216,598 2,125 SH   SOLE   0 0 2,125
MICROSOFT CORP COM 594918104   1,073,979 2,496 SH   SOLE   0 0 2,496
MORGAN STANLEY COM NEW 617446448   263,414 2,527 SH   SOLE   0 0 2,527
NEXTERA ENERGY INC COM 65339F101   216,899 2,566 SH   SOLE   0 0 2,566
NOVARTIS AG SPONSORED ADR 66987V109   287,435 2,499 SH   SOLE   0 0 2,499
NVIDIA CORPORATION COM 67066G104   1,020,040 8,400 SH   SOLE   0 0 8,400
PHILIP MORRIS INTL INC COM 718172109   228,111 1,879 SH   SOLE   0 0 1,879
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,488,995 24,719 SH   SOLE   0 0 24,719
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   10,905,374 265,203 SH   SOLE   0 0 265,203
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   26,134,822 309,181 SH   SOLE   0 0 309,181
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   526,703 11,791 SH   SOLE   0 0 11,791
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   6,297,226 14,883 SH   SOLE   0 0 14,883
SPDR S&P 500 ETF TR TR UNIT 78462F103   971,949 1,694 SH   SOLE   0 0 1,694
SPDR SER TR PRTFLO S&P500 GW 78464A409   7,784,210 93,854 SH   SOLE   0 0 93,854
SPDR SER TR PRTFLO S&P500 VL 78464A508   6,462,641 122,260 SH   SOLE   0 0 122,260
T ROWE PRICE ETF INC US HIGH YIELD 87283Q875   1,530,535 29,081 SH   SOLE   0 0 29,081
TESLA INC COM 88160R101   461,777 1,765 SH   SOLE   0 0 1,765
THERMO FISHER SCIENTIFIC INC COM 883556102   238,768 386 SH   SOLE   0 0 386
UNILEVER PLC SPON ADR NEW 904767704   201,441 3,101 SH   SOLE   0 0 3,101
VANGUARD BD INDEX FDS INTERMED TERM 921937819   5,666,724 72,307 SH   SOLE   0 0 72,307
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   442,829 5,628 SH   SOLE   0 0 5,628
VANGUARD INDEX FDS GROWTH ETF 922908736   8,466,110 22,051 SH   SOLE   0 0 22,051
VANGUARD INDEX FDS LARGE CAP ETF 922908637   9,966,114 37,852 SH   SOLE   0 0 37,852
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,330,810 9,573 SH   SOLE   0 0 9,573
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,163,647 6,940 SH   SOLE   0 0 6,940
VANGUARD INDEX FDS MID CAP ETF 922908629   2,084,788 7,902 SH   SOLE   0 0 7,902
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,329,543 34,177 SH   SOLE   0 0 34,177
VANGUARD INDEX FDS SMALL CP ETF 922908751   506,374 2,135 SH   SOLE   0 0 2,135
VANGUARD INDEX FDS SML CP GRW ETF 922908595   989,204 3,700 SH   SOLE   0 0 3,700
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,282,419 4,529 SH   SOLE   0 0 4,529
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   371,077 7,755 SH   SOLE   0 0 7,755
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,567,381 12,443 SH   SOLE   0 0 12,443
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   6,013,010 50,234 SH   SOLE   0 0 50,234
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,523,629 29,805 SH   SOLE   0 0 29,805
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   317,490 1,603 SH   SOLE   0 0 1,603
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   18,606,110 352,319 SH   SOLE   0 0 352,319
VISA INC COM CL A 92826C839   442,712 1,610 SH   SOLE   0 0 1,610