Family Firm 13F-HR Quarterly holdings report by institutional manager

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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
AMAZON COM INC COM	Stock	023135106	513,557	3,380	SH		SOLE		3,380	0	0
ISHARES NORTH AMERICAN NATURAL RESOURCES ETF	ETF	464287374	10,767,476	264,427	SH		SOLE		264,427	0	0
GLOBAL PMTS INC COM	Stock	37940X102	907,346	7,144	SH		SOLE		7,144	0	0
INVESCO QQQ TRUST SERIES I	ETF	46090E103	292,844	715	SH		SOLE		715	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF	81369Y803	339,761	1,765	SH		SOLE		1,765	0	0
STARBUCKS CORP COM	Stock	855244109	281,186	2,929	SH		SOLE		2,929	0	0
ISHARES MSCI CANADA ETF	ETF	464286509	1,046,199	28,522	SH		SOLE		28,522	0	0
ELEVANCE HEALTH INC COM	Stock	036752103	301,865	640	SH		SOLE		640	0	0
TEMPLETON EMERGING MKTS FD COM	CEF	880191101	2,408,800	206,233	SH		SOLE		206,233	0	0
WILLIS TOWERS WATSON PLC LTD SHS	Stock	G96629103	411,005	1,704	SH		SOLE		1,704	0	0
JOHNSON & JOHNSON COM	Stock	478160104	513,052	3,273	SH		SOLE		3,273	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	1,434,362	6,047	SH		SOLE		6,047	0	0
INVESCO HIGH YIELD EQUITY DIVIDEND ACHIEVERS ETF	ETF	46137V563	222,731	10,536	SH		SOLE		10,536	0	0
VANGUARD ENERGY ETF	ETF	92204A306	3,167,279	27,006	SH		SOLE		27,006	0	0
INVESCO WILDERHILL CLEAN ENERGY ETF	ETF	46137V134	1,783,860	60,022	SH		SOLE		60,022	0	0
COSTCO WHSL CORP NEW COM	Stock	22160K105	1,078,976	1,635	SH		SOLE		1,635	0	0
ISHARES MSCI EMERGING MARKETS ETF	ETF	464287234	1,901,448	47,288	SH		SOLE		47,288	0	0
GOLDMAN SACHS GROUP INC COM	Stock	38141G104	209,646	543	SH		SOLE		543	0	0
YUM BRANDS INC COM	Stock	988498101	343,180	2,627	SH		SOLE		2,627	0	0
OLD DOMINION FREIGHT LINE INC COM	Stock	679580100	458,678	1,132	SH		SOLE		1,132	0	0
ISHARES LATIN AMERICA 40 ETF	ETF	464287390	850,041	29,251	SH		SOLE		29,251	0	0
ISHARES GLOBAL COMM SERVICES ETF	ETF	464287275	515,527	6,909	SH		SOLE		6,909	0	0
ISHARES U.S. INDUSTRIALS ETF	ETF	464287754	257,243	2,249	SH		SOLE		2,249	0	0
PROCTER AND GAMBLE CO COM	Stock	742718109	366,579	2,502	SH		SOLE		2,502	0	0
COCA COLA CO COM	Stock	191216100	253,418	4,300	SH		SOLE		4,300	0	0
ISHARES U.S. HEALTHCARE ETF	ETF	464287762	269,178	940	SH		SOLE		940	0	0
NUVEEN CR STRATEGIES INCOME FD COM SHS	CEF	67073D102	600,178	114,977	SH		SOLE		114,977	0	0
ISHARES U.S. ENERGY ETF	ETF	464287796	661,720	14,998	SH		SOLE		14,998	0	0
MARRIOTT INTL INC NEW CL A	Stock	571903202	474,417	2,104	SH		SOLE		2,104	0	0
VANGUARD REAL ESTATE ETF	ETF	922908553	5,557,604	62,897	SH		SOLE		62,897	0	0
PAYCHEX INC COM	Stock	704326107	609,228	5,115	SH		SOLE		5,115	0	0
ISHARES MSCI UNITED KINGDOM ETF	ETF	46435G334	434,714	13,153	SH		SOLE		13,153	0	0
MERCK & CO INC COM	Stock	58933Y105	717,494	6,581	SH		SOLE		6,581	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	455,763	959	SH		SOLE		959	0	0
MCKESSON CORP COM	Stock	58155Q103	526,777	1,138	SH		SOLE		1,138	0	0
ISHARES TIPS BOND ETF	ETF	464287176	9,236,870	85,932	SH		SOLE		85,932	0	0
ISHARES 1-3 YEAR INTERNATIONAL TREASURY BOND ETF	ETF	464288125	1,062,244	14,739	SH		SOLE		14,739	0	0
ISHARES U.S. HOME CONSTRUCTION ETF	ETF	464288752	880,119	8,652	SH		SOLE		8,652	0	0
ISHARES GLOBAL HEALTHCARE ETF	ETF	464287325	1,444,904	16,662	SH		SOLE		16,662	0	0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF	ETF	922042718	4,271,686	37,135	SH		SOLE		37,135	0	0
ISHARES COHEN & STEERS REIT ETF	ETF	464287564	3,953,538	67,317	SH		SOLE		67,317	0	0
FEDEX CORP COM	Stock	31428X106	273,002	1,079	SH		SOLE		1,079	0	0
PULTE GROUP INC COM	Stock	745867101	447,739	4,338	SH		SOLE		4,338	0	0
PEPSICO INC COM	Stock	713448108	767,469	4,519	SH		SOLE		4,519	0	0
ISHARES INTERNATIONAL TREASURY BOND ETF	ETF	464288117	6,116,065	147,981	SH		SOLE		147,981	0	0
ISHARES 1-3 YEAR TREASURY BOND ETF	ETF	464287457	2,232,272	27,210	SH		SOLE		27,210	0	0
KIMBERLY-CLARK CORP COM	Stock	494368103	360,431	2,966	SH		SOLE		2,966	0	0
HOME DEPOT INC COM	Stock	437076102	507,168	1,463	SH		SOLE		1,463	0	0
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	376,346	1,615	SH		SOLE		1,615	0	0
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	1,277,361	8,224	SH		SOLE		8,224	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	ETF	81369Y209	263,539	1,932	SH		SOLE		1,932	0	0
BECTON DICKINSON & CO COM	Stock	075887109	366,151	1,502	SH		SOLE		1,502	0	0
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	2,692,826	57,003	SH		SOLE		57,003	0	0
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	408,317	1,347	SH		SOLE		1,347	0	0
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	6,111,857	109,787	SH		SOLE		109,787	0	0
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	233,796	6,326	SH		SOLE		6,326	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	81369Y308	421,007	5,845	SH		SOLE		5,845	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	3,369,140	31,124	SH		SOLE		31,124	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	966,166	41,094	SH		SOLE		41,094	0	0
ALPHABET INC CAP STK CL A	Stock	02079K305	839,397	6,009	SH		SOLE		6,009	0	0
ISHARES MSCI PACIFIC EX-JAPAN ETF	ETF	464286665	281,187	6,477	SH		SOLE		6,477	0	0
INTUIT COM	Stock	461202103	484,252	775	SH		SOLE		775	0	0
MICROSOFT CORP COM	Stock	594918104	1,345,419	3,578	SH		SOLE		3,578	0	0
LENNAR CORP CL A	Stock	526057104	207,954	1,395	SH		SOLE		1,395	0	0
ISHARES EUROPE ETF	ETF	464287861	2,947,277	55,756	SH		SOLE		55,756	0	0
ISHARES MSCI BRAZIL ETF	ETF	464286400	875,699	25,049	SH		SOLE		25,049	0	0
ROYCE MICRO-CAP TR INC COM	CEF	780915104	2,526,828	273,466	SH		SOLE		273,466	0	0
BOEING CO COM	Stock	097023105	699,694	2,684	SH		SOLE		2,684	0	0
VANGUARD SMALL-CAP ETF	ETF	922908751	1,011,034	4,739	SH		SOLE		4,739	0	0
VANGUARD MID-CAP ETF	ETF	922908629	473,175	2,034	SH		SOLE		2,034	0	0
LINDE PLC SHS	Stock	G54950103	201,397	490	SH		SOLE		490	0	0
VANGUARD HEALTH CARE ETF	ETF	92204A504	268,795	1,072	SH		SOLE		1,072	0	0
SABA CAPITAL INCOME & OPPORTUN COM	CEF	880198106	2,989,598	788,812	SH		SOLE		788,812	0	0
VANGUARD FTSE EUROPE ETF	ETF	922042874	778,802	12,078	SH		SOLE		12,078	0	0
BLACKROCK CORE BD TR SHS BEN INT	CEF	09249E101	2,446,245	224,220	SH		SOLE		224,220	0	0
VANGUARD S&P 500 ETF	ETF	922908363	214,044	490	SH		SOLE		490	0	0
UBER TECHNOLOGIES INC COM	Stock	90353T100	251,698	4,088	SH		SOLE		4,088	0	0
CONSOLIDATED EDISON INC COM	Stock	209115104	231,795	2,548	SH		SOLE		2,548	0	0
ISHARES U.S. REGIONAL BANKS ETF	ETF	464288778	1,382,723	33,048	SH		SOLE		33,048	0	0
ISHARES 0-5 YEAR TIPS BOND ETF	ETF	46429B747	13,504,893	136,980	SH		SOLE		136,980	0	0
VANECK GOLD MINERS ETF	ETF	92189F106	264,461	8,528	SH		SOLE		8,528	0	0
ISHARES MSCI EAFE GROWTH ETF	ETF	464288885	272,234	2,811	SH		SOLE		2,811	0	0
ELI LILLY & CO COM	Stock	532457108	583,273	1,001	SH		SOLE		1,001	0	0
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	921909768	247,605	4,272	SH		SOLE		4,272	0	0
VANGUARD S&P 500 VALUE ETF	ETF	921932703	4,574,155	27,234	SH		SOLE		27,234	0	0
ISHARES RUSSELL 2000 ETF	ETF	464287655	1,412,351	7,037	SH		SOLE		7,037	0	0
MICRON TECHNOLOGY INC COM	Stock	595112103	328,500	3,849	SH		SOLE		3,849	0	0
AFLAC INC COM	Stock	001055102	2,467,713	29,912	SH		SOLE		29,912	0	0
MARATHON PETE CORP COM	Stock	56585A102	395,434	2,665	SH		SOLE		2,665	0	0
VANGUARD SMALL CAP VALUE ETF	ETF	922908611	1,420,607	7,894	SH		SOLE		7,894	0	0
VANECK IG FLOATING RATE ETF	ETF	92189F486	7,288,520	289,802	SH		SOLE		289,802	0	0
ISHARES MSCI EAFE VALUE ETF	ETF	464288877	482,365	9,258	SH		SOLE		9,258	0	0
BLACKROCK ENHANCED EQUITY DIVI COM	CEF	09251A104	100,760	13,103	SH		SOLE		13,103	0	0
ISHARES GLOBAL 100 ETF	ETF	464287572	219,732	2,729	SH		SOLE		2,729	0	0
VISA INC COM CL A	Stock	92826C839	343,128	1,318	SH		SOLE		1,318	0	0
INVESCO SOLAR ETF	ETF	46138G706	769,940	14,432	SH		SOLE		14,432	0	0
PIMCO ACTIVE BOND ETF	ETF	72201R775	2,203,514	23,835	SH		SOLE		23,835	0	0
VANGUARD SMALL-CAP GROWTH ETF	ETF	922908595	572,003	2,366	SH		SOLE		2,366	0	0
VANGUARD GROWTH ETF	ETF	922908736	256,088	824	SH		SOLE		824	0	0
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	1,101,289	47,799	SH		SOLE		47,799	0	0
ISHARES MICRO-CAP ETF	ETF	464288869	2,000,386	17,240	SH		SOLE		17,240	0	0
FLAHERTY & CRUMRINE PFD SECS I COM	CEF	338478100	1,866,276	134,264	SH		SOLE		134,264	0	0
Agriculture Producers Index	ETF	464286350	269,460	7,056	SH		SOLE		7,056	0	0
ISHARES MSCI GLOBAL METALS & MINING PRODUCERS ETF	ETF	46434G848	1,245,684	28,922	SH		SOLE		28,922	0	0
ISHARES MSCI GLOBAL GOLD MINERS ETF	ETF	46434G855	826,954	33,643	SH		SOLE		33,643	0	0
VANGUARD RUSSELL 3000 ETF	ETF	92206C599	8,564,263	40,240	SH		SOLE		40,240	0	0
BROADCOM INC COM	Stock	11135F101	273,572	245	SH		SOLE		245	0	0
D R HORTON INC COM	Stock	23331A109	338,662	2,228	SH		SOLE		2,228	0	0
MARTIN MARIETTA MATLS INC COM	Stock	573284106	326,005	653	SH		SOLE		653	0	0
ISHARES GLOBAL UTILITIES ETF	ETF	464288711	602,772	10,313	SH		SOLE		10,313	0	0
ACCENTURE PLC IRELAND SHS CLASS A	Stock	G1151C101	254,761	726	SH		SOLE		726	0	0
NVIDIA CORPORATION COM	Stock	67066G104	2,632,153	5,315	SH		SOLE		5,315	0	0
ABBVIE INC COM	Stock	00287Y109	737,041	4,756	SH		SOLE		4,756	0	0
SPDR S&P BIOTECH ETF	ETF	78464A870	603,793	6,762	SH		SOLE		6,762	0	0
SPDR S&P METALS & MINING ETF	ETF	78464A755	1,387,804	23,196	SH		SOLE		23,196	0	0
VANGUARD TOTAL BOND MARKET ETF	ETF	921937835	20,723,809	281,765	SH		SOLE		281,765	0	0
ISHARES RUSSELL 2000 GROWTH ETF	ETF	464287648	355,287	1,409	SH		SOLE		1,409	0	0
FASTENAL CO COM	Stock	311900104	301,205	4,650	SH		SOLE		4,650	0	0
ISHARES GLOBAL FINANCIALS ETF	ETF	464287333	433,547	5,517	SH		SOLE		5,517	0	0
MCDONALDS CORP COM	Stock	580135101	331,600	1,118	SH		SOLE		1,118	0	0
CARTER BANKSHARES INC COM NEW	Stock	146103106	220,778	14,748	SH		SOLE		14,748	0	0
CISCO SYS INC COM	Stock	17275R102	511,340	10,122	SH		SOLE		10,122	0	0
ADVANCED MICRO DEVICES INC COM	Stock	007903107	460,656	3,125	SH		SOLE		3,125	0	0
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	1,724,257	20,566	SH		SOLE		20,566	0	0
ISHARES U.S. CONSUMER STAPLES ETF	ETF	464287812	202,829	1,058	SH		SOLE		1,058	0	0
ISHARES BIOTECHNOLOGY ETF	ETF	464287556	1,583,277	11,655	SH		SOLE		11,655	0	0
ISHARES U.S. TELECOMMUNICATIONS ETF	ETF	464287713	443,079	19,467	SH		SOLE		19,467	0	0
ISHARES S&P SMALL-CAP 600 GROWTH ETF	ETF	464287887	2,857,121	22,831	SH		SOLE		22,831	0	0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND	ETF	81369Y407	863,446	4,829	SH		SOLE		4,829	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	ETF	81369Y704	229,942	2,017	SH		SOLE		2,017	0	0
ISHARES US FINANCIAL SERVICES ETF	ETF	464287770	2,262,320	12,624	SH		SOLE		12,624	0	0
ISHARES U.S. BASIC MATERIALS ETF	ETF	464287838	462,749	3,349	SH		SOLE		3,349	0	0
ISHARES S&P 500 VALUE ETF	ETF	464287408	1,821,528	10,475	SH		SOLE		10,475	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	3,867,158	51,493	SH		SOLE		51,493	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	12,251,238	25,650	SH		SOLE		25,650	0	0
THE CIGNA GROUP COM	Stock	125523100	374,731	1,251	SH		SOLE		1,251	0	0
WELLS FARGO CO NEW COM	Stock	949746101	278,810	5,665	SH		SOLE		5,665	0	0
UNION PAC CORP COM	Stock	907818108	272,229	1,108	SH		SOLE		1,108	0	0
CINTAS CORP COM	Stock	172908105	269,503	447	SH		SOLE		447	0	0
NORTHROP GRUMMAN CORP COM	Stock	666807102	284,163	607	SH		SOLE		607	0	0
JPMORGAN CHASE & CO COM	Stock	46625H100	746,196	4,387	SH		SOLE		4,387	0	0
CHEVRON CORP NEW COM	Stock	166764100	381,353	2,557	SH		SOLE		2,557	0	0
CONOCOPHILLIPS COM	Stock	20825C104	551,128	4,748	SH		SOLE		4,748	0	0
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	30,048,454	627,316	SH		SOLE		627,316	0	0
WALMART INC COM	Stock	931142103	207,024	1,313	SH		SOLE		1,313	0	0
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	549,812	3,362	SH		SOLE		3,362	0	0
RTX CORPORATION COM	Stock	75513E101	304,060	3,614	SH		SOLE		3,614	0	0
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	4,815,252	117,159	SH		SOLE		117,159	0	0
TEXAS INSTRS INC COM	Stock	882508104	214,394	1,258	SH		SOLE		1,258	0	0
3M CO COM	Stock	88579Y101	223,019	2,040	SH		SOLE		2,040	0	0
ALPHABET INC CAP STK CL C	Stock	02079K107	344,151	2,442	SH		SOLE		2,442	0	0
AMERICAN EXPRESS CO COM	Stock	025816109	220,250	1,176	SH		SOLE		1,176	0	0
APPLIED MATLS INC COM	Stock	038222105	327,120	2,018	SH		SOLE		2,018	0	0
ISHARES CORE S&P U.S. GROWTH ETF	ETF	464287671	1,501,731	14,426	SH		SOLE		14,426	0	0
ISHARES U.S. CONSUMER DISCRETIONARY ETF	ETF	464287580	205,696	2,715	SH		SOLE		2,715	0	0
ISHARES MSCI EAFE SMALL-CAP ETF	ETF	464288273	1,522,026	24,588	SH		SOLE		24,588	0	0
ABRDN ASIA PACIFIC INCOME FUND COM	CEF	003009107	1,791,508	661,073	SH		SOLE		661,073	0	0
ISHARES 7-10 YEAR TREASURY BOND ETF	ETF	464287440	2,056,481	21,335	SH		SOLE		21,335	0	0
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	5,042,130	50,802	SH		SOLE		50,802	0	0
ISHARES 20 YEAR TREASURY BOND ETF	ETF	464287432	1,080,071	10,923	SH		SOLE		10,923	0	0
EATON CORP PLC SHS	Stock	G29183103	258,630	1,074	SH		SOLE		1,074	0	0
ISHARES EXPANDED TECH SECTOR ETF	ETF	464287549	946,830	2,113	SH		SOLE		2,113	0	0
ISHARES S&P SMALL-CAP 600 VALUE ETF	ETF	464287879	7,313,511	70,957	SH		SOLE		70,957	0	0
ISHARES S&P MID-CAP 400 GROWTH ETF	ETF	464287606	1,170,531	14,776	SH		SOLE		14,776	0	0
ISHARES S&P MID-CAP 400 VALUE ETF	ETF	464287705	2,286,813	20,053	SH		SOLE		20,053	0	0
LAM RESEARCH CORP COM	Stock	512807108	849,441	1,084	SH		SOLE		1,084	0	0
ISHARES INTERNATIONAL DEVELOPED REAL ESTATE ETF	ETF	464288489	2,166,383	99,558	SH		SOLE		99,558	0	0
PNC FINL SVCS GROUP INC COM	Stock	693475105	284,885	1,840	SH		SOLE		1,840	0	0
GRAHAM HLDGS CO COM CL B	Stock	384637104	302,986	435	SH		SOLE		435	0	0
ISHARES JPX-NIKKEI 400 ETF	ETF	464287382	942,872	13,867	SH		SOLE		13,867	0	0
ISHARES RUSSELL 3000 ETF	ETF	464287689	58,975,307	215,443	SH		SOLE		215,443	0	0
ISHARES GLOBAL ENERGY ETF	ETF	464287341	4,488,290	114,761	SH		SOLE		114,761	0	0
SPDR DOUBLELINE TOTAL RETURN TACTICAL ETF	ETF	78467V848	4,730,143	117,519	SH		SOLE		117,519	0	0
EXXON MOBIL CORP COM	Stock	30231G102	1,008,242	10,084	SH		SOLE		10,084	0	0
UNITEDHEALTH GROUP INC COM	Stock	91324P102	363,598	691	SH		SOLE		691	0	0
LOWES COS INC COM	Stock	548661107	421,198	1,893	SH		SOLE		1,893	0	0
SPDR FTSE INTERNATIONAL GOVERNMENT INFLATION-PROTECTED BOND ETF	ETF	78464A490	4,704,401	112,170	SH		SOLE		112,170	0	0
ISHARES MSCI AUSTRALIA ETF	ETF	464286103	334,096	13,726	SH		SOLE		13,726	0	0
ISHARES U.S. PHARMACEUTICALS ETF	ETF	464288836	638,878	3,446	SH		SOLE		3,446	0	0
ISHARES U.S. UTILITIES ETF	ETF	464287697	1,918,253	23,999	SH		SOLE		23,999	0	0
CABLE ONE INC COM	Stock	12685J105	228,202	410	SH		SOLE		410	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	1,619,342	5,843	SH		SOLE		5,843	0	0
ISHARES MSCI EAFE ETF	ETF	464287465	4,842,950	64,273	SH		SOLE		64,273	0	0
APPLE INC COM	Stock	037833100	7,176,760	37,276	SH		SOLE		37,276	0	0
ABBOTT LABS COM	Stock	002824100	402,571	3,657	SH		SOLE		3,657	0	0
DISNEY WALT CO COM	Stock	254687106	220,198	2,439	SH		SOLE		2,439	0	0
VANGUARD TOTAL WORLD STOCK ETF	ETF	922042742	416,784	4,051	SH		SOLE		4,051	0	0
ISHARES RUSSELL 1000 ETF	ETF	464287622	2,959,051	11,283	SH		SOLE		11,283	0	0