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   799,812 5,264 SH   SOLE 0 130 0 5,134
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   4,351,973 22,610 SH   SOLE 0 107 0 22,503
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   21,144,334 824,662 SH   SOLE 0 27,455 0 797,207
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788   3,140,412 80,133 SH   SOLE 0 13,746 0 66,387
JOHNSON & JOHNSON COM Stock 478160104   647,336 4,130 SH   SOLE 0 1,037 0 3,093
VANGUARD ENERGY ETF ETF 92204A306   473,577 4,038 SH   SOLE 0 1,984 0 2,054
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   3,150,828 47,388 SH   SOLE 0 13,056 0 34,332
COSTCO WHSL CORP NEW COM Stock 22160K105   409,250 620 SH   SOLE 0 233 0 387
WATSCO INC COM Stock 942622200   326,066 761 SH   SOLE 0 0 0 761
PROCTER AND GAMBLE CO COM Stock 742718109   596,271 4,069 SH   SOLE 0 793 0 3,276
COCA COLA CO COM Stock 191216100   295,711 5,018 SH   SOLE 0 2,000 0 3,018
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109   308,353 8,594 SH   SOLE 0 0 0 8,594
ISHARES U.S. ENERGY ETF ETF 464287796   967,949 21,939 SH   SOLE 0 0 0 21,939
TRUIST FINL CORP COM Stock 89832Q109   250,465 6,784 SH   SOLE 0 500 0 6,284
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   7,001,460 342,286 SH   SOLE 0 12,695 0 329,591
UNITED PARCEL SERVICE INC CL B Stock 911312106   390,088 2,481 SH   SOLE 0 0 0 2,481
INTEL CORP COM Stock 458140100   1,329,364 26,455 SH   SOLE 0 5,682 0 20,773
CLOROX CO DEL COM Stock 189054109   291,169 2,042 SH   SOLE 0 1,350 0 692
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   13,215,334 125,347 SH   SOLE 0 7,199 0 118,148
SPDR S&P 500 ETF TRUST ETF 78462F103   988,328 2,079 SH   SOLE 0 825 0 1,254
DIAGEO PLC SPON ADR NEW ADR 25243Q205   215,722 1,481 SH   SOLE 0 500 0 981
ISHARES TIPS BOND ETF ETF 464287176   14,338,736 133,396 SH   SOLE 0 4,511 0 128,885
VERTEX PHARMACEUTICALS INC COM Stock 92532F100   212,803 523 SH   SOLE 0 0 0 523
VERIZON COMMUNICATIONS INC COM Stock 92343V104   773,265 20,511 SH   SOLE 0 4,285 0 16,226
FEDEX CORP COM Stock 31428X106   346,822 1,371 SH   SOLE 0 0 0 1,371
PEPSICO INC COM Stock 713448108   622,464 3,665 SH   SOLE 0 1,138 0 2,527
KIMBERLY-CLARK CORP COM Stock 494368103   225,037 1,852 SH   SOLE 0 1,500 0 352
HOME DEPOT INC COM Stock 437076102   889,940 2,568 SH   SOLE 0 1,290 0 1,278
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   961,752 7,052 SH   SOLE 0 101 0 6,951
SPDR GOLD SHARES ETF 78463V107   544,835 2,850 SH   SOLE 0 0 0 2,850
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   265,394 5,618 SH   SOLE 0 0 0 5,618
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   400,791 1,322 SH   SOLE 0 0 0 1,322
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   722,124 19,538 SH   SOLE 0 1,476 0 18,062
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   436,085 7,732 SH   SOLE 0 0 0 7,732
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   460,685 4,256 SH   SOLE 0 309 0 3,946
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   1,707,331 4,787 SH   SOLE 0 320 0 4,467
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   44,522,741 1,795,996 SH   SOLE 0 85,563 0 1,710,433
ALPHABET INC CAP STK CL A Stock 02079K305   726,388 5,200 SH   SOLE 0 0 0 5,200
CSX CORP COM Stock 126408103   208,193 6,005 SH   SOLE 0 0 0 6,005
MICROSOFT CORP COM Stock 594918104   2,317,158 6,162 SH   SOLE 0 692 0 5,470
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404   610,640 34,000 SH   SOLE 0 34,000 0 0
ISHARES MSCI BRAZIL ETF ETF 464286400   497,411 14,228 SH   SOLE 0 0 0 14,228
VANGUARD SMALL-CAP ETF ETF 922908751   74,805,444 350,656 SH   SOLE 0 17,229 0 333,427
VANGUARD MID-CAP ETF ETF 922908629   32,128,747 138,105 SH   SOLE 0 9,542 0 128,563
VANGUARD LARGE-CAP ETF ETF 922908637   89,706,792 411,216 SH   SOLE 0 22,242 0 388,974
NEXTERA ENERGY INC COM Stock 65339F101   426,577 7,023 SH   SOLE 0 26 0 6,997
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764   441,507 7,968 SH   SOLE 0 0 0 7,968
NORFOLK SOUTHN CORP COM Stock 655844108   217,706 921 SH   SOLE 0 35 0 886
ALERIAN MLP ETF ETF 00162Q452   3,269,958 76,904 SH   SOLE 0 11,916 0 64,988
VANGUARD CONSUMER STAPLES ETF ETF 92204A207   240,801 1,261 SH   SOLE 0 500 0 761
WALGREENS BOOTS ALLIANCE INC COM Stock 931427108   513,740 19,676 SH   SOLE 0 4,790 0 14,886
BROOKFIELD CORP CL A LTD VT SH Stock 11271J107   246,681 6,119 SH   SOLE 0 0 0 6,119
DOW INC COM Stock 260557103   816,951 14,897 SH   SOLE 0 3,620 0 11,277
ISHARES MSCI BRAZIL SMALL-CAP ETF ETF 464289131   496,920 32,996 SH   SOLE 0 0 0 32,996
VANGUARD S&P 500 ETF ETF 922908363   325,853 746 SH   SOLE 0 500 0 246
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325   5,240,320 204,780 SH   SOLE 0 12,708 0 192,072
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   335,344 661 SH   SOLE 0 28 0 632
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283   15,716,941 618,412 SH   SOLE 0 39,526 0 578,886
VANECK GOLD MINERS ETF ETF 92189F106   244,886 7,897 SH   SOLE 0 0 0 7,897
AIR PRODS & CHEMS INC COM Stock 009158106   218,492 798 SH   SOLE 0 377 0 421
SP FUNDS DOW JONES GLOBAL SUKUK ETF ETF 886364702   197,735 11,022 SH   SOLE 0 0 0 11,022
ISHARES RUSSELL 2000 ETF ETF 464287655   776,346 3,868 SH   SOLE 0 1,449 0 2,419
ISHARES SELECT DIVIDEND ETF ETF 464287168   674,836 5,757 SH   SOLE 0 3,557 0 2,200
VANGUARD SMALL CAP VALUE ETF ETF 922908611   2,798,354 15,549 SH   SOLE 0 0 0 15,549
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284   928,864 36,714 SH   SOLE 0 0 0 36,714
VANGUARD MID-CAP GROWTH ETF ETF 922908538   882,452 4,019 SH   SOLE 0 0 0 4,019
XYLEM INC COM Stock 98419M100   398,316 3,483 SH   SOLE 0 3,086 0 397
VISA INC COM CL A Stock 92826C839   635,775 2,442 SH   SOLE 0 1,240 0 1,202
DIMENSIONAL U.S. SMALL CAP ETF ETF 25434V500   316,105 5,302 SH   SOLE 0 0 0 5,302
GOLDMAN SACHS FUTURE TECH LEADERS EQUITY ETF ETF 38149W812   12,834,599 460,515 SH   SOLE 0 18,965 0 441,550
ISHARES MSCI INDIA ETF ETF 46429B598   423,866 8,684 SH   SOLE 0 0 0 8,684
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   618,931 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE ETF ETF 922908744   20,855,400 139,501 SH   SOLE 0 644 0 138,857
VANGUARD GROWTH ETF ETF 922908736   19,279,223 62,015 SH   SOLE 0 291 0 61,724
AMERICAN TOWER CORP NEW COM REIT 03027X100   325,115 1,506 SH   SOLE 0 717 0 789
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   329,159 3,128 SH   SOLE 0 2,151 0 977
GLOBAL X MLP ETF ETF 37954Y343   228,898 5,167 SH   SOLE 0 5,167 0 0
ALPS SECTOR DIVIDEND DOGS ETF ETF 00162Q858   1,121,671 21,882 SH   SOLE 0 3,061 0 18,821
MONDELEZ INTL INC CL A Stock 609207105   200,704 2,771 SH   SOLE 0 1,000 0 1,771
BUILDERS FIRSTSOURCE INC COM Stock 12008R107   212,348 1,272 SH   SOLE 0 1,267 0 5
MARTIN MARIETTA MATLS INC COM Stock 573284106   206,050 413 SH   SOLE 0 245 0 168
NVIDIA CORPORATION COM Stock 67066G104   533,352 1,077 SH   SOLE 0 0 0 1,077
CUMMINS INC COM Stock 231021106   239,810 1,001 SH   SOLE 0 1,000 0 1
ABBVIE INC COM Stock 00287Y109   204,715 1,321 SH   SOLE 0 266 0 1,055
SPDR S&P METALS & MINING ETF ETF 78464A755   1,537,452 25,697 SH   SOLE 0 0 0 25,697
CURTISS WRIGHT CORP COM Stock 231561101   222,790 1,000 SH   SOLE 0 1,000 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648   206,568 819 SH   SOLE 0 0 0 819
ETFMG PRIME JUNIOR SILVER MINERS ETFMG PRIME JUNIOR SILVER MINERS FUND ETF 26924G102   766,080 76,608 SH   SOLE 0 5,882 0 70,726
STRYKER CORPORATION COM Stock 863667101   200,039 668 SH   SOLE 0 575 0 93
GENERAL DYNAMICS CORP COM Stock 369550108   232,664 896 SH   SOLE 0 500 0 396
MCDONALDS CORP COM Stock 580135101   1,062,395 3,583 SH   SOLE 0 1,507 0 2,076
GLOBAL X URANIUM ETF ETF 37954Y871   16,256,079 587,074 SH   SOLE 0 23,688 0 563,386
CISCO SYS INC COM Stock 17275R102   925,324 18,316 SH   SOLE 0 4,578 0 13,738
ISHARES FRONTIER AND SELECT EM ETF ETF 464286145   741,266 28,185 SH   SOLE 0 0 0 28,185
CAPITAL ONE FINL CORP COM Stock 14040H105   223,428 1,704 SH   SOLE 0 0 0 1,704
VANECK JUNIOR GOLD MINERS ETF ETF 92189F791   24,738,057 652,547 SH   SOLE 0 31,789 0 620,758
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101   20,904,612 719,608 SH   SOLE 0 24,296 0 695,312
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   1,115,774 6,240 SH   SOLE 0 102 0 6,138
INVESCO S&P ULTRA DIVIDEND REVENUE ETF ETF 46138G656   29,218,039 668,605 SH   SOLE 0 42,130 0 626,475
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402   235,653 10,228 SH   SOLE 0 0 0 10,228
LAMAR ADVERTISING CO NEW CL A REIT 512816109   202,357 1,904 SH   SOLE 0 0 0 1,904
UNION PAC CORP COM Stock 907818108   1,353,121 5,509 SH   SOLE 0 1,043 0 4,466
VANGUARD MID-CAP VALUE ETF ETF 922908512   785,519 5,417 SH   SOLE 0 0 0 5,417
JPMORGAN CHASE & CO COM Stock 46625H100   1,864,976 10,964 SH   SOLE 0 1,515 0 9,449
CHEVRON CORP NEW COM Stock 166764100   703,439 4,716 SH   SOLE 0 1,178 0 3,538
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   10,785,602 99,489 SH   SOLE 0 6,742 0 92,747
MARKEL GROUP INC COM Stock 570535104   275,461 194 SH   SOLE 0 0 0 194
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   64,913,170 1,355,181 SH   SOLE 0 64,857 0 1,290,324
TJX COS INC NEW COM Stock 872540109   229,272 2,444 SH   SOLE 0 2,000 0 444
BANK AMERICA CORP COM Stock 060505104   337,542 10,025 SH   SOLE 0 0 0 10,025
SPDR S&P DIVIDEND ETF ETF 78464A763   404,403 3,236 SH   SOLE 0 875 0 2,361
WALMART INC COM Stock 931142103   241,835 1,534 SH   SOLE 0 1,011 0 523
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448   3,624,481 129,492 SH   SOLE 0 31,816 0 97,676
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   979,174 5,987 SH   SOLE 0 1,284 0 4,703
ORACLE CORP COM Stock 68389X105   463,154 4,393 SH   SOLE 0 185 0 4,208
RTX CORPORATION COM Stock 75513E101   221,541 2,633 SH   SOLE 0 276 0 2,357
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   3,082,029 74,989 SH   SOLE 0 270 0 74,718
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   27,742,288 248,520 SH   SOLE 0 25,940 0 222,580
PFIZER INC COM Stock 717081103   381,871 13,264 SH   SOLE 0 1,970 0 11,294
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   7,206,622 65,124 SH   SOLE 0 2,192 0 62,932
3M CO COM Stock 88579Y101   691,230 6,323 SH   SOLE 0 1,875 0 4,448
CATERPILLAR INC COM Stock 149123101   799,492 2,704 SH   SOLE 0 1,500 0 1,204
ALPHABET INC CAP STK CL C Stock 02079K107   964,948 6,847 SH   SOLE 0 2,481 0 4,366
AMERICAN EXPRESS CO COM Stock 025816109   228,742 1,221 SH   SOLE 0 233 0 988
AMGEN INC COM Stock 031162100   1,091,884 3,791 SH   SOLE 0 1,130 0 2,661
APPLIED MATLS INC COM Stock 038222105   364,333 2,248 SH   SOLE 0 1,380 0 868
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM Stock 31620R303   244,998 4,802 SH   SOLE 0 0 0 4,802
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   21,267,687 214,284 SH   SOLE 0 7,360 0 206,924
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432   7,897,150 79,866 SH   SOLE 0 2,401 0 77,465
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854   272,513 4,875 SH   SOLE 0 0 0 4,875
EATON CORP PLC SHS Stock G29183103   253,824 1,054 SH   SOLE 0 14 0 1,040
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   20,971,859 203,472 SH   SOLE 0 10,681 0 192,791
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   800,597 10,106 SH   SOLE 0 0 0 10,106
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   364,244 3,194 SH   SOLE 0 0 0 3,194
VANGUARD MEGA CAP ETF ETF 921910873   1,635,414 9,661 SH   SOLE 0 0 0 9,661
SPDR DOW JONES REIT ETF ETF 78464A607   204,938 2,150 SH   SOLE 0 1,377 0 773
SPDR S&P INTERNATIONAL DIVIDEND ETF ETF 78463X772   861,625 24,237 SH   SOLE 0 15,391 0 8,846
EXXON MOBIL CORP COM Stock 30231G102   894,921 8,951 SH   SOLE 0 1,000 0 7,951
UNITEDHEALTH GROUP INC COM Stock 91324P102   352,208 669 SH   SOLE 0 74 0 595
LOWES COS INC COM Stock 548661107   726,181 3,263 SH   SOLE 0 0 0 3,263
COLGATE PALMOLIVE CO COM Stock 194162103   368,738 4,626 SH   SOLE 0 2,000 0 2,626
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   4,622,435 135,914 SH   SOLE 0 20,868 0 115,046
ISHARES CORE S&P MID-CAP ETF ETF 464287507   207,863 750 SH   SOLE 0 0 0 750
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   16,520,291 323,610 SH   SOLE 0 30,102 0 293,508
ISHARES MSCI EAFE ETF ETF 464287465   18,251,412 242,222 SH   SOLE 0 1,414 0 240,807
APPLE INC COM Stock 037833100   2,563,729 13,316 SH   SOLE 0 3,543 0 9,773
ISHARES RUSSELL 1000 ETF ETF 464287622   215,578 822 SH   SOLE 0 0 0 822
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   406,515 2,460 SH   SOLE 0 1,285 0 1,175