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
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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   489,315 3,242 SH   SOLE   3,242 0 0
APPLE INC COM 037833100   304,720 1,777 SH   SOLE   1,777 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   5,042,035 11,990 SH   SOLE   11,990 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200   2,354,498 57,525 SH   SOLE   57,525 0 0
GLOBAL PMTS INC COM 37940X102   1,337,803 10,009 SH   SOLE   10,009 0 0
INVESCO DB MULTI-SECTOR COMM AGRICULTURE FD 46140H106   282,264 11,400 SH   SOLE   11,400 0 0
ISHARES INC CORE MSCI EMKT 46434G103   842,370 16,325 SH   SOLE   16,325 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   6,532,054 65,695 SH   SOLE   65,695 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   4,812,327 26,868 SH   SOLE   26,868 0 0
ISHARES TR MSCI EAFE ETF 464287465   359,370 4,500 SH   SOLE   4,500 0 0
ISHARES TR RUS 1000 ETF 464287622   2,569,228 8,920 SH   SOLE   8,920 0 0
ISHARES TR TIPS BD ETF 464287176   7,044,485 65,585 SH   SOLE   65,585 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   237,237 5,775 SH   SOLE   5,775 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   11,236,602 70,755 SH   SOLE   70,755 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   16,776,052 79,772 SH   SOLE   79,772 0 0
ISHARES TR CHINA LG-CAP ETF 464287184   1,003,117 41,675 SH   SOLE   41,675 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   9,789,420 36,150 SH   SOLE   36,150 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   3,421,058 10,150 SH   SOLE   10,150 0 0
ISHARES TR CORE S&P SCP ETF 464287804   687,876 6,224 SH   SOLE   6,224 0 0
ISHARES TR CORE US AGGBD ET 464287226   4,444,028 45,375 SH   SOLE   45,375 0 0
JPMORGAN CHASE & CO COM 46625H100   863,293 4,310 SH   SOLE   4,310 0 0
MICROSOFT CORP COM 594918104   338,259 804 SH   SOLE   804 0 0
NVIDIA CORPORATION COM 67066G104   299,078 331 SH   SOLE   331 0 0
PNC FINL SVCS GROUP INC COM 693475105   200,222 1,239 SH   SOLE   1,239 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   275,984 3,632 SH   SOLE   3,632 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   266,438 13,125 SH   SOLE   13,125 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   421,200 10,000 SH   SOLE   10,000 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,432,981 9,700 SH   SOLE   9,700 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   598,310 4,750 SH   SOLE   4,750 0 0
SPDR GOLD TR GOLD SHS 78463V107   576,016 2,800 SH   SOLE   2,800 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   11,172,775 21,360 SH   SOLE   21,360 0 0
SPDR SER TR S&P BIOTECH 78464A870   881,813 9,293 SH   SOLE   9,293 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   779,974 8,193 SH   SOLE   8,193 0 0
SPDR SER TR S&P DIVID ETF 78464A763   2,661,547 20,280 SH   SOLE   20,280 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,347,399 17,574 SH   SOLE   17,574 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   43,474,989 90,441 SH   SOLE   90,441 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   3,985,184 24,470 SH   SOLE   24,470 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   311,880 1,200 SH   SOLE   1,200 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   389,160 4,500 SH   SOLE   4,500 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   3,545,260 10,300 SH   SOLE   10,300 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,312,768 127,191 SH   SOLE   127,191 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   11,963,955 203,989 SH   SOLE   203,989 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,218,453 27,555 SH   SOLE   27,555 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,714,305 213,560 SH   SOLE   213,560 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207   306,210 1,500 SH   SOLE   1,500 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   642,317 1,225 SH   SOLE   1,225 0 0