# EDGAR Filing Document

**Accession Number:** 0001387386
**File Stem:** 0001398344-23-000722
**Filing Date:** 2023-1
**Character Count:** 18046
**Document Hash:** bf7d5212535c55453950b9b1bb3b03bf
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-23-000722.hdr.sgml**: 20230119

**ACCESSION NUMBER**: 0001398344-23-000722

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230119

**DATE AS OF CHANGE**: 20230119

**EFFECTIVENESS DATE**: 20230119

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MORRIS FINANCIAL CONCEPTS, INC.
- **CENTRAL INDEX KEY:** 0001387386
- **IRS NUMBER:** 571114092
- **STATE OF INCORPORATION:** SC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22215
- **FILM NUMBER:** 23536375

**BUSINESS ADDRESS:**
- **STREET 1:** 409 COLEMAN BLVD. STE 100
- **CITY:** MOUNT PLEASANT
- **STATE:** SC
- **ZIP:** 29464
- **BUSINESS PHONE:** 843-884-6192

**MAIL ADDRESS:**
- **STREET 1:** 409 COLEMAN BLVD. STE 100
- **CITY:** MOUNT PLEASANT
- **STATE:** SC
- **ZIP:** 29464

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** MORRIS FINANCIAL CONCEPTS INC.<br>**Address:** 409 COLEMAN BLVD. STE 100<br>MOUNT PLEASANT, SC 29464

**Form 13F File Number:** 028-22215

**CRD Number (if applicable):** 000114862

**SEC File Number (if applicable):** 801-60830

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Tucker Morris<br>**Title:** Chief Compliance Officer<br>**Phone:** 843-884-6192

**Signature, Place, and Date of Signing:**

/s/ Tucker Morris  Mount Pleasant, SC  01-19-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 145

**Form 13F Information Table Value Total:** $123818351

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBVIE INC | COM | 00287Y109 |  | 288474 | 1785 | SH |  | SOLE |  | 0 | 0 | 1785 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 80862 | 911 | SH |  | SOLE |  | 0 | 0 | 911 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 163402 | 1852 | SH |  | SOLE |  | 0 | 0 | 1852 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 241996 | 5294 | SH |  | SOLE |  | 0 | 0 | 5294 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 29963 | 597 | SH |  | SOLE |  | 0 | 0 | 597 |
| AMERICAN CENTY ETF TR | REAL ESTATE ETF | 025072356 |  | 66162 | 1609 | SH |  | SOLE |  | 0 | 0 | 1609 |
| AMERICAN CENTY ETF TR | AVANTIS CORE FI | 025072562 |  | 128006 | 3124 | SH |  | SOLE |  | 0 | 0 | 3124 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 560526 | 11111 | SH |  | SOLE |  | 0 | 0 | 11111 |
| AMERICAN CENTY ETF TR | AVANTIS SHFXDINC | 025072687 |  | 253932 | 5535 | SH |  | SOLE |  | 0 | 0 | 5535 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 1233315 | 23187 | SH |  | SOLE |  | 0 | 0 | 23187 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 15126 | 203 | SH |  | SOLE |  | 0 | 0 | 203 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 1341683 | 19728 | SH |  | SOLE |  | 0 | 0 | 19728 |
| APOLLO ENDOSURGERY INC | COM | 03767D108 |  | 111156 | 11149 | SH |  | SOLE |  | 0 | 0 | 11149 |
| APPLE INC | COM | 037833100 |  | 876458 | 6746 | SH |  | SOLE |  | 0 | 0 | 6746 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 414235 | 1341 | SH |  | SOLE |  | 0 | 0 | 1341 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 233146 | 3240 | SH |  | SOLE |  | 0 | 0 | 3240 |
| COCA COLA CO | COM | 191216100 |  | 499306 | 7849 | SH |  | SOLE |  | 0 | 0 | 7849 |
| DEERE  CO | COM | 244199105 |  | 331431 | 773 | SH |  | SOLE |  | 0 | 0 | 773 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 158824 | 5878 | SH |  | SOLE |  | 0 | 0 | 5878 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 70638 | 2821 | SH |  | SOLE |  | 0 | 0 | 2821 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 75003 | 3417 | SH |  | SOLE |  | 0 | 0 | 3417 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 64398 | 1259 | SH |  | SOLE |  | 0 | 0 | 1259 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 51817 | 1179 | SH |  | SOLE |  | 0 | 0 | 1179 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 21370 | 876 | SH |  | SOLE |  | 0 | 0 | 876 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 14301 | 583 | SH |  | SOLE |  | 0 | 0 | 583 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 5108488 | 210399 | SH |  | SOLE |  | 0 | 0 | 210399 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 1145 | 51 | SH |  | SOLE |  | 0 | 0 | 51 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 200667 | 9329 | SH |  | SOLE |  | 0 | 0 | 9329 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 1883 | 76 | SH |  | SOLE |  | 0 | 0 | 76 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 727623 | 15787 | SH |  | SOLE |  | 0 | 0 | 15787 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 1769043 | 42607 | SH |  | SOLE |  | 0 | 0 | 42607 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 1516428 | 70205 | SH |  | SOLE |  | 0 | 0 | 70205 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 200311 | 3267 | SH |  | SOLE |  | 0 | 0 | 3267 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 435280 | 3946 | SH |  | SOLE |  | 0 | 0 | 3946 |
| GENUINE PARTS CO | COM | 372460105 |  | 212917 | 1227 | SH |  | SOLE |  | 0 | 0 | 1227 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA INT | 381430107 |  | 28003 | 973 | SH |  | SOLE |  | 0 | 0 | 973 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA EME | 381430206 |  | 29273 | 1034 | SH |  | SOLE |  | 0 | 0 | 1034 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA US LG | 381430503 |  | 382325 | 5022 | SH |  | SOLE |  | 0 | 0 | 5022 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA US | 381430602 |  | 12178 | 223 | SH |  | SOLE |  | 0 | 0 | 223 |
| HOME DEPOT INC | COM | 437076102 |  | 490826 | 1554 | SH |  | SOLE |  | 0 | 0 | 1554 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 438306 | 3111 | SH |  | SOLE |  | 0 | 0 | 3111 |
| ISHARES TR | MORNINGSTR US EQ | 464287127 |  | 78960 | 1500 | SH |  | SOLE |  | 0 | 0 | 1500 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 58793 | 488 | SH |  | SOLE |  | 0 | 0 | 488 |
| ISHARES TR | CORE S ETF | 464287200 |  | 14775929 | 38458 | SH |  | SOLE |  | 0 | 0 | 38458 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 191070 | 1970 | SH |  | SOLE |  | 0 | 0 | 1970 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 1626935 | 42927 | SH |  | SOLE |  | 0 | 0 | 42927 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 12441 | 118 | SH |  | SOLE |  | 0 | 0 | 118 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 |  | 42768 | 954 | SH |  | SOLE |  | 0 | 0 | 954 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 2449044 | 41864 | SH |  | SOLE |  | 0 | 0 | 41864 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 2810526 | 19374 | SH |  | SOLE |  | 0 | 0 | 19374 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 2229738 | 27470 | SH |  | SOLE |  | 0 | 0 | 27470 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1629922 | 24831 | SH |  | SOLE |  | 0 | 0 | 24831 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 4730 | 45 | SH |  | SOLE |  | 0 | 0 | 45 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 669 | 8 | SH |  | SOLE |  | 0 | 0 | 8 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 92002 | 1364 | SH |  | SOLE |  | 0 | 0 | 1364 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1770750 | 7320 | SH |  | SOLE |  | 0 | 0 | 7320 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 3545 | 27 | SH |  | SOLE |  | 0 | 0 | 27 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 2107783 | 13899 | SH |  | SOLE |  | 0 | 0 | 13899 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 20353 | 95 | SH |  | SOLE |  | 0 | 0 | 95 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 453881 | 2156 | SH |  | SOLE |  | 0 | 0 | 2156 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 998276 | 7199 | SH |  | SOLE |  | 0 | 0 | 7199 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 419816 | 1957 | SH |  | SOLE |  | 0 | 0 | 1957 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 803974 | 4611 | SH |  | SOLE |  | 0 | 0 | 4611 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 4591 | 65 | SH |  | SOLE |  | 0 | 0 | 65 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 31354 | 142 | SH |  | SOLE |  | 0 | 0 | 142 |
| ISHARES TR | U.S. REAL ES ETF | 464287739 |  | 2778 | 33 | SH |  | SOLE |  | 0 | 0 | 33 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 9522677 | 100620 | SH |  | SOLE |  | 0 | 0 | 100620 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 1439065 | 15760 | SH |  | SOLE |  | 0 | 0 | 15760 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 58068 | 557 | SH |  | SOLE |  | 0 | 0 | 557 |
| ISHARES TR | MRGSTR MD CP ETF | 464288208 |  | 997 | 17 | SH |  | SOLE |  | 0 | 0 | 17 |
| ISHARES TR | GL CLEAN ENE ETF | 464288224 |  | 179 | 9 | SH |  | SOLE |  | 0 | 0 | 9 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 17045 | 201 | SH |  | SOLE |  | 0 | 0 | 201 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 3101668 | 54916 | SH |  | SOLE |  | 0 | 0 | 54916 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 338 | 4 | SH |  | SOLE |  | 0 | 0 | 4 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 27060 | 256 | SH |  | SOLE |  | 0 | 0 | 256 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 87863 | 3235 | SH |  | SOLE |  | 0 | 0 | 3235 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 884 | 12 | SH |  | SOLE |  | 0 | 0 | 12 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 2386913 | 21715 | SH |  | SOLE |  | 0 | 0 | 21715 |
| ISHARES TR | MSCI USA ESG SLC | 464288802 |  | 173366 | 2106 | SH |  | SOLE |  | 0 | 0 | 2106 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 8359 | 159 | SH |  | SOLE |  | 0 | 0 | 159 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 1652 | 36 | SH |  | SOLE |  | 0 | 0 | 36 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 10470 | 125 | SH |  | SOLE |  | 0 | 0 | 125 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 1254 | 11 | SH |  | SOLE |  | 0 | 0 | 11 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 11724 | 129 | SH |  | SOLE |  | 0 | 0 | 129 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 54928 | 949 | SH |  | SOLE |  | 0 | 0 | 949 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 7641105 | 123963 | SH |  | SOLE |  | 0 | 0 | 123963 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 832205 | 17920 | SH |  | SOLE |  | 0 | 0 | 17920 |
| ISHARES TR | MSCI INTL SML CP | 46434V266 |  | 94020 | 3134 | SH |  | SOLE |  | 0 | 0 | 3134 |
| ISHARES TR | INTL EQTY FACTOR | 46434V274 |  | 1574 | 64 | SH |  | SOLE |  | 0 | 0 | 64 |
| ISHARES TR | EXPONENTIAL TECH | 46434V381 |  | 11977 | 253 | SH |  | SOLE |  | 0 | 0 | 253 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 653372 | 14542 | SH |  | SOLE |  | 0 | 0 | 14542 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 |  | 940947 | 41433 | SH |  | SOLE |  | 0 | 0 | 41433 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 718841 | 4069 | SH |  | SOLE |  | 0 | 0 | 4069 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 1391934 | 10380 | SH |  | SOLE |  | 0 | 0 | 10380 |
| LILLY ELI  CO | COM | 532457108 |  | 845094 | 2310 | SH |  | SOLE |  | 0 | 0 | 2310 |
| MCDONALDS CORP | COM | 580135101 |  | 914138 | 3469 | SH |  | SOLE |  | 0 | 0 | 3469 |
| MERCK  CO INC | COM | 58933Y105 |  | 334527 | 3015 | SH |  | SOLE |  | 0 | 0 | 3015 |
| MICROSOFT CORP | COM | 594918104 |  | 673415 | 2808 | SH |  | SOLE |  | 0 | 0 | 2808 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 539108 | 8089 | SH |  | SOLE |  | 0 | 0 | 8089 |
| MOODYS CORP | COM | 615369105 |  | 491804 | 1765 | SH |  | SOLE |  | 0 | 0 | 1765 |
| PEPSICO INC | COM | 713448108 |  | 845344 | 4679 | SH |  | SOLE |  | 0 | 0 | 4679 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 423092 | 4180 | SH |  | SOLE |  | 0 | 0 | 4180 |
| PIONEER NAT RES CO | COM | 723787107 |  | 225193 | 986 | SH |  | SOLE |  | 0 | 0 | 986 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 566477 | 3738 | SH |  | SOLE |  | 0 | 0 | 3738 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 210620 | 2087 | SH |  | SOLE |  | 0 | 0 | 2087 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 16281361 | 360606 | SH |  | SOLE |  | 0 | 0 | 360606 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 416982 | 6316 | SH |  | SOLE |  | 0 | 0 | 6316 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 1170351 | 17838 | SH |  | SOLE |  | 0 | 0 | 17838 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 6192399 | 152861 | SH |  | SOLE |  | 0 | 0 | 152861 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 326409 | 13790 | SH |  | SOLE |  | 0 | 0 | 13790 |
| SCHWAB STRATEGIC TR | SCHWB FDT EMK LG | 808524730 |  | 77512 | 3128 | SH |  | SOLE |  | 0 | 0 | 3128 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT SC | 808524748 |  | 322666 | 10322 | SH |  | SOLE |  | 0 | 0 | 10322 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT LG | 808524755 |  | 295409 | 10162 | SH |  | SOLE |  | 0 | 0 | 10162 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US SC | 808524763 |  | 261959 | 5607 | SH |  | SOLE |  | 0 | 0 | 5607 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US LG | 808524771 |  | 340199 | 6366 | SH |  | SOLE |  | 0 | 0 | 6366 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 268922 | 3560 | SH |  | SOLE |  | 0 | 0 | 3560 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 52148 | 1619 | SH |  | SOLE |  | 0 | 0 | 1619 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 637 | 33 | SH |  | SOLE |  | 0 | 0 | 33 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 1428 | 29 | SH |  | SOLE |  | 0 | 0 | 29 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 7091 | 147 | SH |  | SOLE |  | 0 | 0 | 147 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 |  | 539113 | 17131 | SH |  | SOLE |  | 0 | 0 | 17131 |
| SONOCO PRODS CO | COM | 835495102 |  | 524352 | 8637 | SH |  | SOLE |  | 0 | 0 | 8637 |
| SOUTHERN CO | COM | 842587107 |  | 349207 | 4890 | SH |  | SOLE |  | 0 | 0 | 4890 |
| SPDR INDEX SHS FDS | PORTFLI MSCI GBL | 78463X475 |  | 933 | 20 | SH |  | SOLE |  | 0 | 0 | 20 |
| SPDR INDEX SHS FDS | S INTL ETF | 78463X772 |  | 216285 | 6692 | SH |  | SOLE |  | 0 | 0 | 6692 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 4039729 | 10563 | SH |  | SOLE |  | 0 | 0 | 10563 |
| SPDR SER TR | BLOOMBERG 1-3 MO | 78468R663 |  | 540405 | 5908 | SH |  | SOLE |  | 0 | 0 | 5908 |
| TESLA INC | COM | 88160R101 |  | 1117612 | 9073 | SH |  | SOLE |  | 0 | 0 | 9073 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 204522 | 4753 | SH |  | SOLE |  | 0 | 0 | 4753 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 3121 | 42 | SH |  | SOLE |  | 0 | 0 | 42 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 270785 | 3597 | SH |  | SOLE |  | 0 | 0 | 3597 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 6112 | 34 | SH |  | SOLE |  | 0 | 0 | 34 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 286206 | 3470 | SH |  | SOLE |  | 0 | 0 | 3470 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 318 | 2 | SH |  | SOLE |  | 0 | 0 | 2 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 62122 | 305 | SH |  | SOLE |  | 0 | 0 | 305 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 8738 | 41 | SH |  | SOLE |  | 0 | 0 | 41 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 13703 | 75 | SH |  | SOLE |  | 0 | 0 | 75 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 60364 | 1044 | SH |  | SOLE |  | 0 | 0 | 1044 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 977 | 13 | SH |  | SOLE |  | 0 | 0 | 13 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 956 | 21 | SH |  | SOLE |  | 0 | 0 | 21 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 2096940 | 27054 | SH |  | SOLE |  | 0 | 0 | 27054 |
| VANGUARD WORLD FDS | ENERGY ETF | 92204A306 |  | 6225 | 51 | SH |  | SOLE |  | 0 | 0 | 51 |
| VANGUARD WORLD FDS | FINANCIALS ETF | 92204A405 |  | 378738 | 4578 | SH |  | SOLE |  | 0 | 0 | 4578 |
| VANGUARD WORLD FDS | MATERIALS ETF | 92204A801 |  | 4486 | 26 | SH |  | SOLE |  | 0 | 0 | 26 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 310778 | 7888 | SH |  | SOLE |  | 0 | 0 | 7888 |

---