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
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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
AMAZON COM INC COM Stock 023135106   2,018,496 10,445 SH   SOLE 0 130 0 10,315
INVESCO QQQ TRUST SERIES I ETF 46090E103   204,101 426 SH   SOLE 0 0 0 426
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   2,626,530 11,610 SH   SOLE 0 78 0 11,532
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   22,765,336 907,347 SH   SOLE 0 30,121 0 877,226
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788   4,377,185 108,804 SH   SOLE 0 17,266 0 91,538
JOHNSON & JOHNSON COM Stock 478160104   1,389,543 9,507 SH   SOLE 0 2,036 0 7,471
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   254,670 952 SH   SOLE 0 0 0 952
VANGUARD ENERGY ETF ETF 92204A306   498,416 3,907 SH   SOLE 0 1,900 0 2,007
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   3,417,865 49,874 SH   SOLE 0 12,550 0 37,324
COSTCO WHSL CORP NEW COM Stock 22160K105   1,008,938 1,187 SH   SOLE 0 233 0 954
GOLDMAN SACHS GROUP INC COM Stock 38141G104   835,435 1,847 SH   SOLE 0 393 0 1,454
WATSCO INC COM Stock 942622200   352,526 761 SH   SOLE 0 0 0 761
PROCTER AND GAMBLE CO COM Stock 742718109   671,059 4,069 SH   SOLE 0 793 0 3,276
COCA COLA CO COM Stock 191216100   1,185,418 18,624 SH   SOLE 0 4,681 0 13,943
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109   236,911 6,246 SH   SOLE 0 0 0 6,246
ISHARES U.S. ENERGY ETF ETF 464287796   1,176,768 24,516 SH   SOLE 0 0 0 24,516
TRUIST FINL CORP COM Stock 89832Q109   370,279 9,531 SH   SOLE 0 500 0 9,031
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   7,660,018 374,573 SH   SOLE 0 13,612 0 360,961
UNITED PARCEL SERVICE INC CL B Stock 911312106   593,108 4,334 SH   SOLE 0 0 0 4,334
CLOROX CO DEL COM Stock 189054109   299,142 2,192 SH   SOLE 0 1,350 0 842
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   9,523,041 91,086 SH   SOLE 0 6,922 0 84,164
SPDR S&P 500 ETF TRUST ETF 78462F103   1,125,629 2,068 SH   SOLE 0 825 0 1,243
MASTERCARD INCORPORATED CL A Stock 57636Q104   215,286 488 SH   SOLE 0 0 0 488
FEDERAL SIGNAL CORP COM Stock 313855108   209,175 2,500 SH   SOLE 0 0 0 2,500
ISHARES TIPS BOND ETF ETF 464287176   15,230,672 142,636 SH   SOLE 0 4,637 0 137,999
VERTEX PHARMACEUTICALS INC COM Stock 92532F100   249,359 532 SH   SOLE 0 0 0 532
VANGUARD EXTENDED DURATION TREASURY ETF ETF 921910709   11,757,933 160,168 SH   SOLE 0 6,568 0 153,600
VERIZON COMMUNICATIONS INC COM Stock 92343V104   925,013 22,430 SH   SOLE 0 4,139 0 18,291
FEDEX CORP COM Stock 31428X106   406,283 1,355 SH   SOLE 0 0 0 1,355
PEPSICO INC COM Stock 713448108   991,559 6,012 SH   SOLE 0 1,138 0 4,874
KIMBERLY-CLARK CORP COM Stock 494368103   255,946 1,852 SH   SOLE 0 1,500 0 352
TRANE TECHNOLOGIES PLC SHS Stock G8994E103   235,843 717 SH   SOLE 0 457 0 260
HOME DEPOT INC COM Stock 437076102   878,500 2,552 SH   SOLE 0 1,290 0 1,262
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   336,314 1,409 SH   SOLE 0 0 0 1,409
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   1,087,295 7,460 SH   SOLE 0 103 0 7,357
SPDR GOLD SHARES ETF 78463V107   612,563 2,849 SH   SOLE 0 0 0 2,849
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   247,499 5,216 SH   SOLE 0 0 0 5,216
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   1,118,681 3,069 SH   SOLE 0 1,890 0 1,179
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   322,397 5,128 SH   SOLE 0 0 0 5,128
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   615,988 16,033 SH   SOLE 0 1,476 0 14,557
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   422,123 6,570 SH   SOLE 0 0 0 6,570
IQVIA HLDGS INC COM Stock 46266C105   422,246 1,997 SH   SOLE 0 0 0 1,997
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   521,328 4,888 SH   SOLE 0 309 0 4,578
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   2,441,207 6,001 SH   SOLE 0 320 0 5,681
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   39,650,441 1,492,863 SH   SOLE 0 77,284 0 1,415,579
ALPHABET INC CAP STK CL A Stock 02079K305   1,668,494 9,160 SH   SOLE 0 0 0 9,160
CSX CORP COM Stock 126408103   200,867 6,005 SH   SOLE 0 0 0 6,005
MICROSOFT CORP COM Stock 594918104   3,563,979 7,974 SH   SOLE 0 692 0 7,282
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404   643,644 34,200 SH   SOLE 0 34,200 0 0
ISHARES MSCI BRAZIL ETF ETF 464286400   393,415 14,395 SH   SOLE 0 0 0 14,395
VANGUARD SMALL-CAP ETF ETF 922908751   76,422,366 350,497 SH   SOLE 0 18,666 0 331,831
VANGUARD MID-CAP ETF ETF 922908629   33,586,533 138,730 SH   SOLE 0 9,527 0 129,203
VANGUARD LARGE-CAP ETF ETF 922908637   95,365,074 382,041 SH   SOLE 0 21,986 0 360,055
NEXTERA ENERGY INC COM Stock 65339F101   497,299 7,023 SH   SOLE 0 26 0 6,997
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764   345,432 5,835 SH   SOLE 0 0 0 5,835
ALERIAN MLP ETF ETF 00162Q452   2,878,416 59,992 SH   SOLE 0 11,941 0 48,051
VANGUARD CONSUMER STAPLES ETF ETF 92204A207   255,615 1,259 SH   SOLE 0 500 0 759
BROOKFIELD CORP CL A LTD VT SH Stock 11271J107   254,473 6,119 SH   SOLE 0 0 0 6,119
DOW INC COM Stock 260557103   844,079 15,911 SH   SOLE 0 3,331 0 12,580
ISHARES MSCI BRAZIL SMALL-CAP ETF ETF 464289131   318,764 27,152 SH   SOLE 0 0 0 27,152
VANGUARD S&P 500 ETF ETF 922908363   478,624 957 SH   SOLE 0 500 0 457
UBER TECHNOLOGIES INC COM Stock 90353T100   469,077 6,454 SH   SOLE 0 0 0 6,454
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325   5,617,265 224,511 SH   SOLE 0 16,199 0 208,312
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   353,652 661 SH   SOLE 0 28 0 632
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283   16,917,539 676,431 SH   SOLE 0 47,245 0 629,186
VANECK GOLD MINERS ETF ETF 92189F106   217,050 6,397 SH   SOLE 0 0 0 6,397
ELI LILLY & CO COM Stock 532457108   259,844 287 SH   SOLE 0 42 0 245
AIR PRODS & CHEMS INC COM Stock 009158106   327,982 1,271 SH   SOLE 0 377 0 894
SP FUNDS DOW JONES GLOBAL SUKUK ETF ETF 886364702   214,721 12,138 SH   SOLE 0 0 0 12,138
ISHARES RUSSELL 2000 ETF ETF 464287655   824,951 4,066 SH   SOLE 0 1,530 0 2,536
DUKE ENERGY CORP NEW COM NEW Stock 26441C204   299,387 2,987 SH   SOLE 0 1,412 0 1,575
QUANTA SVCS INC COM Stock 74762E102   755,918 2,975 SH   SOLE 0 0 0 2,975
ISHARES SELECT DIVIDEND ETF ETF 464287168   546,951 4,521 SH   SOLE 0 2,449 0 2,072
VANGUARD SMALL CAP VALUE ETF ETF 922908611   2,867,754 15,712 SH   SOLE 0 0 0 15,712
REGENERON PHARMACEUTICALS COM Stock 75886F107   331,074 315 SH   SOLE 0 0 0 315
VANGUARD RUSSELL 1000 ETF ETF 92206C730   31,361,622 127,450 SH   SOLE 0 4,846 0 122,604
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284   934,004 36,714 SH   SOLE 0 0 0 36,714
VANGUARD MID-CAP GROWTH ETF ETF 922908538   922,602 4,019 SH   SOLE 0 0 0 4,019
XYLEM INC COM Stock 98419M100   472,399 3,483 SH   SOLE 0 3,086 0 397
VISA INC COM CL A Stock 92826C839   1,010,772 3,851 SH   SOLE 0 1,240 0 2,611
DIMENSIONAL U.S. SMALL CAP ETF ETF 25434V500   318,544 5,302 SH   SOLE 0 0 0 5,302
GOLDMAN SACHS FUTURE TECH LEADERS EQUITY ETF ETF 38149W812   17,336,730 578,935 SH   SOLE 0 29,072 0 549,863
ISHARES MSCI INDIA ETF ETF 46429B598   569,402 10,208 SH   SOLE 0 0 0 10,208
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   640,333 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE ETF ETF 922908744   18,885,551 117,733 SH   SOLE 0 519 0 117,214
VANGUARD GROWTH ETF ETF 922908736   18,258,046 48,817 SH   SOLE 0 223 0 48,594
AMERICAN TOWER CORP NEW COM REIT 03027X100   415,001 2,135 SH   SOLE 0 717 0 1,418
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   356,696 3,003 SH   SOLE 0 2,064 0 939
META PLATFORMS INC CL A Stock 30303M102   568,760 1,128 SH   SOLE 0 9 0 1,119
GLOBAL X MLP ETF ETF 37954Y343   250,600 5,167 SH   SOLE 0 5,167 0 0
PALO ALTO NETWORKS INC COM Stock 697435105   757,348 2,234 SH   SOLE 0 0 0 2,234
ALPS SECTOR DIVIDEND DOGS ETF ETF 00162Q858   1,337,867 25,324 SH   SOLE 0 3,178 0 22,146
BROADCOM INC COM Stock 11135F101   219,958 137 SH   SOLE 0 25 0 112
MARTIN MARIETTA MATLS INC COM Stock 573284106   223,763 413 SH   SOLE 0 245 0 168
NVIDIA CORPORATION COM Stock 67066G104   1,205,750 9,760 SH   SOLE 0 0 0 9,760
CUMMINS INC COM Stock 231021106   277,207 1,001 SH   SOLE 0 1,000 0 1
ABBVIE INC COM Stock 00287Y109   206,339 1,203 SH   SOLE 0 266 0 937
SPDR S&P METALS & MINING ETF ETF 78464A755   1,492,743 25,160 SH   SOLE 0 0 0 25,160
CURTISS WRIGHT CORP COM Stock 231561101   270,980 1,000 SH   SOLE 0 1,000 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648   218,162 831 SH   SOLE 0 0 0 831
JACOBS SOLUTIONS INC COM Stock 46982L108   330,833 2,368 SH   SOLE 0 0 0 2,368
STRYKER CORPORATION COM Stock 863667101   227,287 668 SH   SOLE 0 575 0 93
GENERAL DYNAMICS CORP COM Stock 369550108   259,965 896 SH   SOLE 0 500 0 396
RESMED INC COM Stock 761152107   483,336 2,525 SH   SOLE 0 1,000 0 1,525
INTUITIVE SURGICAL INC COM NEW Stock 46120E602   233,101 524 SH   SOLE 0 0 0 524
MCDONALDS CORP COM Stock 580135101   952,592 3,738 SH   SOLE 0 1,507 0 2,231
GLOBAL X URANIUM ETF ETF 37954Y871   16,591,216 573,099 SH   SOLE 0 26,015 0 547,084
CISCO SYS INC COM Stock 17275R102   1,063,511 22,385 SH   SOLE 0 4,491 0 17,894
ISHARES FRONTIER AND SELECT EM ETF ETF 464286145   807,983 29,424 SH   SOLE 0 0 0 29,424
CAPITAL ONE FINL CORP COM Stock 14040H105   235,919 1,704 SH   SOLE 0 0 0 1,704
VANECK JUNIOR GOLD MINERS ETF ETF 92189F791   30,749,495 730,045 SH   SOLE 0 35,033 0 695,012
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101   22,822,774 790,536 SH   SOLE 0 25,686 0 764,850
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   20,940,768 163,052 SH   SOLE 0 9,076 0 153,976
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   383,952 2,105 SH   SOLE 0 29 0 2,076
INVESCO S&P ULTRA DIVIDEND REVENUE ETF ETF 46138G656   31,107,866 694,372 SH   SOLE 0 45,340 0 649,032
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402   269,040 10,723 SH   SOLE 0 0 0 10,723
LAMAR ADVERTISING CO NEW CL A REIT 512816109   227,585 1,904 SH   SOLE 0 0 0 1,904
BUNGE GLOBAL SA COM SHS Stock H11356104   202,116 1,893 SH   SOLE 0 0 0 1,893
WELLS FARGO CO NEW COM Stock 949746101   280,202 4,718 SH   SOLE 0 0 0 4,718
UNION PAC CORP COM Stock 907818108   1,246,466 5,509 SH   SOLE 0 1,043 0 4,466
VANGUARD MID-CAP VALUE ETF ETF 922908512   872,193 5,798 SH   SOLE 0 0 0 5,798
JPMORGAN CHASE & CO. COM Stock 46625H100   1,426,338 7,052 SH   SOLE 0 914 0 6,138
CHEVRON CORP NEW COM Stock 166764100   926,632 5,924 SH   SOLE 0 1,305 0 4,619
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   11,284,924 105,912 SH   SOLE 0 7,763 0 98,149
MARKEL GROUP INC COM Stock 570535104   305,678 194 SH   SOLE 0 0 0 194
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   44,464,261 899,722 SH   SOLE 0 49,915 0 849,807
TJX COS INC NEW COM Stock 872540109   363,110 3,298 SH   SOLE 0 2,000 0 1,298
BANK AMERICA CORP COM Stock 060505104   398,694 10,025 SH   SOLE 0 0 0 10,025
SPDR S&P DIVIDEND ETF ETF 78464A763   382,812 3,010 SH   SOLE 0 875 0 2,135
WALMART INC COM Stock 931142103   528,544 7,806 SH   SOLE 0 3,033 0 4,773
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448   3,628,671 131,141 SH   SOLE 0 24,434 0 106,707
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   1,001,553 5,791 SH   SOLE 0 1,105 0 4,686
ORACLE CORP COM Stock 68389X105   620,292 4,393 SH   SOLE 0 185 0 4,208
RTX CORPORATION COM Stock 75513E101   291,432 2,903 SH   SOLE 0 276 0 2,627
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   3,112,717 71,132 SH   SOLE 0 270 0 70,861
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   30,933,371 260,821 SH   SOLE 0 27,230 0 233,591
PFIZER INC COM Stock 717081103   405,038 14,476 SH   SOLE 0 1,970 0 12,506
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   7,486,510 69,889 SH   SOLE 0 2,325 0 67,564
3M CO COM Stock 88579Y101   988,382 9,672 SH   SOLE 0 2,277 0 7,395
CATERPILLAR INC COM Stock 149123101   917,357 2,754 SH   SOLE 0 1,550 0 1,204
ALPHABET INC CAP STK CL C Stock 02079K107   2,151,517 11,730 SH   SOLE 0 2,481 0 9,249
AMERICAN EXPRESS CO COM Stock 025816109   282,723 1,221 SH   SOLE 0 233 0 988
AMGEN INC COM Stock 031162100   1,178,561 3,772 SH   SOLE 0 1,040 0 2,732
APPLIED MATLS INC COM Stock 038222105   488,027 2,068 SH   SOLE 0 1,200 0 868
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM Stock 31620R303   237,315 4,802 SH   SOLE 0 0 0 4,802
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   22,937,544 236,299 SH   SOLE 0 7,888 0 228,411
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432   8,037,542 87,574 SH   SOLE 0 2,625 0 84,949
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854   312,000 4,875 SH   SOLE 0 0 0 4,875
EATON CORP PLC SHS Stock G29183103   344,905 1,100 SH   SOLE 0 14 0 1,086
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   20,146,076 207,115 SH   SOLE 0 11,170 0 195,945
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   887,180 10,069 SH   SOLE 0 0 0 10,069
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   360,803 3,180 SH   SOLE 0 0 0 3,180
PHILIP MORRIS INTL INC COM Stock 718172109   292,742 2,889 SH   SOLE 0 1,000 0 1,889
VANGUARD MEGA CAP GROWTH ETF ETF 921910816   778,612 2,478 SH   SOLE 0 2,210 0 268
VANGUARD MEGA CAP ETF ETF 921910873   1,903,849 9,650 SH   SOLE 0 0 0 9,650
SPDR DOW JONES REIT ETF ETF 78464A607   250,253 2,688 SH   SOLE 0 1,918 0 770
SPDR S&P INTERNATIONAL DIVIDEND ETF ETF 78463X772   834,480 24,237 SH   SOLE 0 15,391 0 8,846
EXXON MOBIL CORP COM Stock 30231G102   1,171,231 10,174 SH   SOLE 0 1,000 0 9,174
UNITEDHEALTH GROUP INC COM Stock 91324P102   317,778 624 SH   SOLE 0 74 0 550
LOWES COS INC COM Stock 548661107   1,064,160 4,827 SH   SOLE 0 0 0 4,827
DEERE & CO COM Stock 244199105   406,509 1,088 SH   SOLE 0 0 0 1,088
COLGATE PALMOLIVE CO COM Stock 194162103   448,907 4,626 SH   SOLE 0 2,000 0 2,626
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   4,064,158 115,854 SH   SOLE 0 18,197 0 97,657
ISHARES CORE S&P MID-CAP ETF ETF 464287507   202,479 3,460 SH   SOLE 0 0 0 3,460
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   17,791,505 355,049 SH   SOLE 0 33,826 0 321,223
ISHARES MSCI EAFE ETF ETF 464287465   14,945,348 190,800 SH   SOLE 0 1,175 0 189,624
APPLE INC COM Stock 037833100   4,722,943 22,424 SH   SOLE 0 3,543 0 18,881
DISNEY WALT CO COM Stock 254687106   284,267 2,863 SH   SOLE 0 375 0 2,488
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   242,943 2,157 SH   SOLE 0 0 0 2,157
BOOKING HOLDINGS INC COM Stock 09857L108   566,495 143 SH   SOLE 0 0 0 143
ISHARES RUSSELL 1000 ETF ETF 464287622   885,777 2,977 SH   SOLE 0 2,204 0 773
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   416,634 2,388 SH   SOLE 0 1,285 0 1,103