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
Abbott Laboratories COM 002824100   247,814 2,273 SH   SOLE   0 0 2,273
AbbVie Inc. COM 00287Y109   372,023 2,761 SH   SOLE   0 0 2,761
Accenture plc COM G1151C101   215,667 699 SH   SOLE   0 0 699
Allstate Corporation COM 020002101   475,960 4,365 SH   SOLE   0 0 4,365
Alphabet Inc. COM 02079K107   566,065 4,679 SH   SOLE   0 0 4,679
Alphabet Inc. Cl A COM 02079K305   291,470 2,435 SH   SOLE   0 0 2,435
Amazon.com Inc. COM 023135106   203,362 1,560 SH   SOLE   0 0 1,560
Apple Inc. COM 037833100   12,340,353 63,620 SH   SOLE   0 0 63,620
Armada Hoffler Properties Inc. COM 04208T108   284,992 24,400 SH   SOLE   0 0 24,400
ASM Lithography Holdings ADR N07059210   749,392 1,034 SH   SOLE   0 0 1,034
Bank of America Corp. COM 060505104   696,020 24,260 SH   SOLE   0 0 24,260
Berkshire Hathaway Inc. COM 084670702   1,942,965 5,698 SH   SOLE   0 0 5,698
Bristol-Myers Squibb Co. COM 110122108   232,901 3,642 SH   SOLE   0 0 3,642
Cadence Bank COM 12740C103   1,216,228 61,926 SH   SOLE   0 0 61,926
Chevron Corp. COM 166764100   274,355 1,744 SH   SOLE   0 0 1,744
Cisco Systems Inc. COM 17275R102   1,827,483 35,321 SH   SOLE   0 0 35,321
Citigroup Inc. COM 172967424   374,428 8,133 SH   SOLE   0 0 8,133
Coca-Cola Co. COM 191216100   331,104 5,498 SH   SOLE   0 0 5,498
Costco Wholesale Corp. COM 22160K105   988,822 1,837 SH   SOLE   0 0 1,837
Dimensional U.S. Core Equity 2 ETF COM 25434V708   285,746 10,525 SH   SOLE   0 0 10,525
Discover Financial Services COM 254709108   345,993 2,961 SH   SOLE   0 0 2,961
Duke Energy Corp. COM 26441C204   976,364 10,880 SH   SOLE   0 0 10,880
Enbridge Inc. COM 29250N105   333,431 8,975 SH   SOLE   0 0 8,975
Exxon Mobil Corp. ADR 30231G102   749,362 6,987 SH   SOLE   0 0 6,987
FactSet Research Systems Inc. COM 303075105   200,325 500 SH   SOLE   0 0 500
First Trust NASDAQ Clean Edge Green Energy Idx EFT COM 33733E500   216,095 4,224 SH   SOLE   0 0 4,224
Fresenius Medical Care AG COM 358029106   211,781 8,850 SH   SOLE   0 0 8,850
Global Payments Inc. COM 37940X102   231,166 2,346 SH   SOLE   0 0 2,346
Halozyme Therapeutics, Inc. COM 40637H109   647,457 17,950 SH   SOLE   0 0 17,950
Home Depot Inc. COM 437076102   702,287 2,261 SH   SOLE   0 0 2,261
IBM Corp. COM 459200101   394,878 2,951 SH   SOLE   0 0 2,951
Invesco FTSE RAFI US 1000 ETF COM 46137V613   71,857,831 439,095 SH   SOLE   0 0 439,095
Invesco FTSE RAFI US 1500 Small-Mid ETF COM 46137V597   27,846,689 162,060 SH   SOLE   0 0 162,060
Invesco QQQ ETF COM 46090E103   271,524 735 SH   SOLE   0 0 735
Invesco S&P 500 Equal Weight Technology ETF COM 46137V282   235,566 801 SH   SOLE   0 0 801
iShares 0-5 Year TIPS Bond ETF COM 46429B747   23,440,046 240,164 SH   SOLE   0 0 240,164
iShares Cohen & Steers REIT ETF COM 464287564   232,135 4,177 SH   SOLE   0 0 4,177
iShares Core Aggressive Allocation ETF COM 464289859   290,747 4,383 SH   SOLE   0 0 4,383
iShares Core MSCI EAFE ETF COM 46432F842   9,558,921 141,614 SH   SOLE   0 0 141,614
iShares Core MSCI Emerging Markets ETF COM 46434G103   5,378,013 109,110 SH   SOLE   0 0 109,110
iShares Core MSCI Intl Developed Markets ETF COM 46435G326   3,290,258 53,833 SH   SOLE   0 0 53,833
iShares Core S&P 500 ETF COM 464287200   1,310,474 2,940 SH   SOLE   0 0 2,940
iShares Core U.S. Aggregate Bond ETF COM 464287226   7,549,299 77,073 SH   SOLE   0 0 77,073
iShares Gold Trust ETF COM 464285204   317,503 8,725 SH   SOLE   0 0 8,725
iShares MSCI EAFE ETF COM 464287465   28,384,561 391,511 SH   SOLE   0 0 391,511
iShares MSCI Emerging Markets ETF COM 464287234   7,569,413 191,340 SH   SOLE   0 0 191,340
iShares MSCI KLD 400 Social ETF COM 464288570   238,386 2,832 SH   SOLE   0 0 2,832
iShares MSCI World ETF COM 464286392   258,484 2,076 SH   SOLE   0 0 2,076
iShares Russell 1000 ETF COM 464287622   86,582,749 355,226 SH   SOLE   0 0 355,226
iShares Russell 1000 Growth ETF COM 464287614   7,454,481 27,089 SH   SOLE   0 0 27,089
iShares Russell 1000 Value ETF COM 464287598   6,186,902 39,200 SH   SOLE   0 0 39,200
iShares Russell 2000 ETF COM 464287655   9,319,395 49,764 SH   SOLE   0 0 49,764
iShares Russell 2000 Growth ETF COM 464287648   271,890 1,120 SH   SOLE   0 0 1,120
iShares Russell 3000 ETF COM 464287689   206,372 811 SH   SOLE   0 0 811
iShares Russell Mid-Cap ETF COM 464287499   303,898 4,161 SH   SOLE   0 0 4,161
iShares Russell Mid-Cap Value ETF COM 464287473   274,321 2,497 SH   SOLE   0 0 2,497
iShares S&P 500 Growth ETF COM 464287309   727,213 10,318 SH   SOLE   0 0 10,318
iShares Select Dividend ETF COM 464287168   337,114 2,975 SH   SOLE   0 0 2,975
iShares TIPS Bond ETF COM 464287176   2,099,276 19,506 SH   SOLE   0 0 19,506
iShares Treasury Floating Rate Bond ETF COM 46434V860   40,867,984 806,552 SH   SOLE   0 0 806,552
iShares U.S. Healthcare ETF COM 464287762   212,712 759 SH   SOLE   0 0 759
Johnson & Johnson Inc. COM 478160104   439,295 2,654 SH   SOLE   0 0 2,654
JPMorgan Chase & Co. COM 46625H100   375,415 2,581 SH   SOLE   0 0 2,581
JPMorgan Ultra-Short Income ETF COM 46641Q837   15,585,022 310,830 SH   SOLE   0 0 310,830
Lowes Companies, Inc. COM 548661107   5,126,663 22,715 SH   SOLE   0 0 22,715
Microsoft Corp. COM 594918104   2,840,393 8,341 SH   SOLE   0 0 8,341
Moderna, Inc. COM 60770K107   607,500 5,000 SH   SOLE   0 0 5,000
Morgan Stanley COM 617446448   559,824 6,555 SH   SOLE   0 0 6,555
Motorola Solutions Inc. COM 620076307   458,103 1,562 SH   SOLE   0 0 1,562
Nike Inc. COM 654106103   261,305 2,368 SH   SOLE   0 0 2,368
ONEOK Inc. COM 682680103   617,200 10,000 SH   SOLE   0 0 10,000
Oracle Corporation COM 68389X105   225,795 1,896 SH   SOLE   0 0 1,896
Park National Corp. COM 700658107   418,693 4,092 SH   SOLE   0 0 4,092
PepsiCo Inc. COM 713448108   267,289 1,443 SH   SOLE   0 0 1,443
Pfizer Inc. COM 717081103   280,602 7,650 SH   SOLE   0 0 7,650
PIMCO 1-5 Year U.S. TIPS Index ETF COM 72201R205   1,103,506 21,938 SH   SOLE   0 0 21,938
PIMCO Enhanced Short Maturity Active ETF COM 72201R833   14,961,050 149,970 SH   SOLE   0 0 149,970
Procter & Gamble Co. COM 742718109   252,211 1,662 SH   SOLE   0 0 1,662
Public Service Enterprise Group Inc. COM 744573106   375,660 6,000 SH   SOLE   0 0 6,000
Raymond James Financial Inc. COM 754730109   226,322 2,181 SH   SOLE   0 0 2,181
Raytheon Technologies Corp. COM 75513E101   216,883 2,214 SH   SOLE   0 0 2,214
SPDR Gold Shares ETF COM 78463V107   344,952 1,935 SH   SOLE   0 0 1,935
SPDR S&P 500 ETF COM 78462F103   465,716 1,051 SH   SOLE   0 0 1,051
Tesla Inc. COM 88160R101   1,033,206 3,947 SH   SOLE   0 0 3,947
TowneBank COM 89214P109   406,212 17,479 SH   SOLE   0 0 17,479
Truist Financial Corp. COM 89832Q109   1,998,215 65,839 SH   SOLE   0 0 65,839
Union Pacific Corp. COM 907818108   272,932 1,334 SH   SOLE   0 0 1,334
UnitedHealth Group Inc. COM 91324P102   344,619 717 SH   SOLE   0 0 717
Vanguard ESG International Stock ETF COM 921910725   531,064 9,999 SH   SOLE   0 0 9,999
Vanguard ESG U.S. Stock ETF COM 921910733   921,757 11,765 SH   SOLE   0 0 11,765
Vanguard FTSE Developed Markets ETF COM 921943858   67,154,509 1,454,190 SH   SOLE   0 0 1,454,190
Vanguard FTSE Emerging Markets ETF COM 922042858   27,871,849 685,149 SH   SOLE   0 0 685,149
Vanguard Russell 1000 ETF COM 92206C730   10,569,136 52,437 SH   SOLE   0 0 52,437
Vanguard Russell 1000 Value ETF COM 92206C714   1,120,844 16,195 SH   SOLE   0 0 16,195
Vanguard Russell 2000 ETF COM 92206C664   1,419,177 18,767 SH   SOLE   0 0 18,767
Vanguard Russell 3000 ETF COM 92206C599   502,430 2,545 SH   SOLE   0 0 2,545
Vanguard S&P 500 Value ETF COM 921932703   1,229,782 7,898 SH   SOLE   0 0 7,898
Vanguard Short-Term Bond ETF COM 921937827   15,275,120 202,132 SH   SOLE   0 0 202,132
Vanguard Short-Term Inflation-Protected Securities ETF COM 922020805   4,320,799 91,118 SH   SOLE   0 0 91,118
Vanguard Small-Cap Value Index ETF COM 922908611   646,741 3,910 SH   SOLE   0 0 3,910
Vanguard Total Bond Market ETF COM 921937835   5,067,489 69,714 SH   SOLE   0 0 69,714
Vanguard Total Stock Market ETF COM 922908769   2,313,861 10,504 SH   SOLE   0 0 10,504
Vanguard Total World Stock Index ETF COM 922042742   5,153,676 53,142 SH   SOLE   0 0 53,142
Vanguard Value ETF COM 922908744   1,340,313 9,432 SH   SOLE   0 0 9,432
Wells Fargo & Co. COM 949746101   338,028 7,920 SH   SOLE   0 0 7,920