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
Expires: July 31, 2015
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hours per response: 23.8
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
3M CO COM 88579Y101 219,300 2,146 SH OTR 1 1,987 159 0
A T & T INC COM 00206R102 303,792 15,897 SH SOLE 15,897 0 0
ABBOTT LABORATORIES COM 00287Y109 297,947 2,867 SH SOLE 2,867 0 0
ABBVIE INC COM 00287Y109 555,896 3,241 SH SOLE 3,241 0 0
ALIBABA GROUP HLDG LTD FSPONSORED ADR 1 ADR REPS 8 ORD SHS SPONSORED ADS 01609W102 319,680 4,440 SH OTR 1 4,599 306 0
ALPHABET INC. CLASS A CAP STK CL A 02079K305 272,314 1,495 SH OTR 3 353 1,142 0
ALTRIA GROUP INC COM 02209S103 436,967 9,593 SH SOLE 9,593 0 0
AMAZON COM INC COM 023135106 461,278 2,387 SH OTR 3 1,400 987 0
APPLE INC COM 037833100 1,083,382 5,144 SH OTR 2 3,484 1,660 0
AVANTIS EMERGING MARKETSEQ ETF AVANTIS EMGMKT 025072604 427,866 7,004 SH SOLE 7,004 0 0
AVANTIS INTERNATIONAL EQUITY ETF INTL EQT ETF 025072703 354,441 5,693 SH SOLE 5,693 0 0
AVANTIS INTERNATNL SML CP VL ETF AVANTIS INTL SML 025072190 432,138 6,653 SH SOLE 6,653 0 0
AVANTIS US EQUITY ETF US EQT ETF 025072885 522,049 5,788 SH SOLE 5,788 0 0
AVANTIS US SMALL CAP VALUE ETF AVANTIS US SMALL 025072323 620,333 6,914 SH SOLE 6,914 0 0
BANK OF AMERICA CORP COM 060505104 4,875,035 122,581 SH OTR 2 121,866 715 0
BERKSHIRE HATHAWAY CLASS B CL B NEW 084670702 3,343,082 8,218 SH OTR 1 8,089 129 0
BLACKSTONE INC COM 09260D107 315,938 2,552 SH OTR 1 2,400 152 0
BP PLC FSPONSORED ADR 1 ADR REPS 6 ORD SHS SPONSORED ADR 055622104 1,661,694 46,030 SH OTR 1 45,594 436 0
CATERPILLAR INC COM 149123101 493,987 1,483 SH SOLE 1,483 0 0
CHARLES SCHWAB US REIT ETF US REIT ETF 808524847 365,547 18,305 SH SOLE 18,305 0 0
CHEVRON CORP COM 166764100 826,054 5,281 SH OTR 1 5,109 172 0
COLGATE-PALMOLIVE CO COM 194162103 373,798 3,852 SH SOLE 3,852 0 0
CONOCOPHILLIPS COM 20825C104 1,460,606 12,770 SH OTR 1 12,453 317 0
DIAMONDBACK ENERGY COM 25278X109 449,460 2,245 SH OTR 1 2,052 193 0
DOMINION ENERGY INC COM 25746U109 421,351 8,599 SH SOLE 8,599 0 0
DUKE ENERGY CORP COM NEW 26441C204 1,940,046 19,356 SH OTR 1 19,060 296 0
EASTGROUP PROPERTIES REIT COM 277276101 1,319,126 7,755 SH SOLE 7,755 0 0
ELI LILLY AND CO COM 532457108 1,164,319 1,286 SH OTR 2 1,112 174 0
ENBRIDGE INC F COM 29250N105 213,540 6,000 SH SOLE 6,000 0 0
ENERGY SELECT SECTOR SPDR ETF ENERGY 81369Y506 2,479,678 27,204 SH SOLE 27,204 0 0
EXXON MOBIL CORP COM 30231G102 1,975,128 17,157 SH OTR 1 16,746 411 0
FEDEX CORP COM 31428X106 224,776 750 SH SOLE 750 0 0
FIRST BANCORP N C COM 318910106 333,309 10,442 SH OTR 1 10,330 112 0
FREEPORT-MCMORAN INC CL B 35671D857 267,932 5,513 SH OTR 1 5,145 368 0
HALLIBURTON CO HLDG COM 406216101 278,347 8,240 SH SOLE 8,240 0 0
IBM CORP COM 459200101 210,134 1,215 SH OTR 1 667 548 0
INVESCO QLTY MUN INCM TRSBI COM 46133G107 307,520 31,000 SH SOLE 31,000 0 0
INVSC S P 500 PURE VALUEETF S&P500 PUR VAL 46137V258 652,796 7,825 SH SOLE 7,825 0 0
ISHARES CORE MSCI EMERGING ETF CORE MSCI EMKT 46434G103 240,089 4,485 SH OTR 1 3,444 1,041 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 1,136,544 2,077 SH OTR 1 2,028 49 0
ISHARES CORE S&P SMALL CAP ETF CORE S&P SCP ETF 464287804 818,096 7,670 SH OTR 1 7,630 40 0
ISHARES CORE US AGGREGATE BOND ETF CORE US AGGBD ET 464287226 339,998 3,503 SH OTR 1 3,399 104 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 472,157 6,028 SH SOLE 6,028 0 0
ISHARES MSCI EAFE VALUE ETF EAFE VALUE ETF 464288877 663,203 12,504 SH SOLE 12,504 0 0
ISHARES MSCI EMERGING MARKETS ETF MSCI EMG MKT ETF 464287234 351,651 8,257 SH SOLE 8,257 0 0
ISHARES MSCI JAPAN ETF MSCI JPN ETF NEW 46434G822 201,581 2,954 SH SOLE 2,954 0 0
ISHARES S&P SMALL CAP 600 ETF SP SMCP600VL ETF 464287879 224,013 2,303 SH SOLE 2,303 0 0
ISHARES SILVER TRUST ETF ISHARES 46428Q109 267,799 10,079 SH SOLE 10,079 0 0
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 559,811 5,243 SH OTR 1 5,223 20 0
ISHARES TOTAL US STOCK MARKET ETF CORE S&P TTL STK 464287150 333,534 2,808 SH SOLE 2,808 0 0
J P MORGAN CHASE & CO COM 46625H100 1,377,997 6,813 SH OTR 1 6,511 302 0
JOHNSON & JOHNSON COM 478160104 778,417 5,326 SH OTR 1 4,886 440 0
KKR & CO INC COM 48251W104 399,912 3,800 SH SOLE 3,800 0 0
LOWES COMPANIES INC COM 548661107 74,762,616 339,121 SH SOLE 339,121 0 0
MARTIN MARIETTA MATERIAL COM 573284106 379,260 700 SH SOLE 700 0 0
MEDTRONIC PLC F SHS G5960L103 230,542 2,929 SH OTR 1 2,241 688 0
MICROSOFT CORP COM 594918104 1,744,028 3,902 SH OTR 3 2,971 931 0
NORFOLK SOUTHERN CO COM 655844108 316,668 1,475 SH SOLE 1,475 0 0
NVIDIA CORP COM 67066G104 299,955 2,428 SH OTR 2 460 1,968 0
OCCIDENTAL PETROL CO COM 674599105 678,527 10,765 SH SOLE 10,765 0 0
PEPSICO INC COM 713448108 606,557 3,678 SH OTR 1 3,336 342 0
PERMIAN RESOURCES CORP CLASS A CLASS A COM 71424F105 227,392 14,080 SH SOLE 14,080 0 0
PFIZER INC COM 717081103 254,618 9,100 SH SOLE 9,100 0 0
PHILIP MORRIS INTL COM 718172109 283,623 2,799 SH SOLE 2,799 0 0
PHILLIPS 66 COM 718546104 221,778 1,571 SH SOLE 1,571 0 0
PROCTER & GAMBLE COM 742718109 275,818 1,672 SH OTR 1 1,617 55 0
RANGE RESOURCES CORP COM 75281A109 313,506 9,350 SH SOLE 9,350 0 0
ROCKWELL AUTOMATION COM 773903109 322,078 1,170 SH OTR 1 1,150 20 0
RPM INTERNTNL COM 749685103 363,420 3,375 SH SOLE 3,375 0 0
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706 314,338 11,835 SH SOLE 11,835 0 0
SCHWAB FUNDTL INTRNL SMLEQT ETF SCHWB FDT INT SC 808524748 569,880 16,395 SH SOLE 16,395 0 0
SCHWAB INTERMEDIATE TERMUS TRS ETF INT-TRM U.S TRES 808524854 536,869 11,008 SH SOLE 11,008 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 741,609 19,303 SH SOLE 19,303 0 0
SCHWAB INTERNATNAL SMALLCAP EQY ETF INTL SCEQT ETF 808524888 456,664 12,835 SH SOLE 12,835 0 0
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 361,402 7,509 SH SOLE 7,509 0 0
SCHWAB US AGGREGATE BONDETF US AGGREGATE B 808524839 436,489 9,576 SH SOLE 9,576 0 0
SCHWAB US BROAD MARKET ETF US BRD MKT ETF 808524102 382,597 6,086 SH SOLE 6,086 0 0
SCHWAB US LARGE CAP ETF US LRG CAP ETF 808524201 926,414 14,419 SH SOLE 14,419 0 0
SCHWAB US LARGE CAP VALUE ETF US LCAP VA ETF 808524409 288,489 3,894 SH SOLE 3,894 0 0
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 330,753 6,971 SH SOLE 6,971 0 0
SCHWAB US TIPS ETF US TIPS ETF 808524870 261,831 5,034 SH SOLE 5,034 0 0
SHELL PLC FSPONSORED ADR 1 ADR REPS 2 ORD SHS SPON ADS 780259305 619,449 8,582 SH OTR 1 8,517 65 0
SOUTHWESTERN ENERGY COM 845467109 394,553 58,626 SH SOLE 58,626 0 0
SPDR GOLD SHARES ETF GOLD SHS 78463V107 843,484 3,923 SH SOLE 3,923 0 0
SPDR NUVEN BLM SHT TM MPL BND ETF NUVEEN BLMBRG MU 78468R721 228,683 4,846 SH SOLE 4,846 0 0
SPDR PORT INTER TRM TRSRY ETF PORTFLI INTRMDIT 78464A672 933,206 33,305 SH SOLE 33,305 0 0
SPDR S&P 600 SMALL CAP VALUE ETF PORTFOLIO S&P600 78468R853 955,496 12,201 SH SOLE 12,201 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 293,502 2,308 SH SOLE 2,308 0 0
SPDR S&P EMERGING MRKT SML CP ETF S&P EMKTSC ETF 78463X756 213,357 3,684 SH SOLE 3,684 0 0
SPROTT PHYSICAL GLD SLVR TR UNIT 85208R101 456,457 20,701 SH SOLE 20,701 0 0
SURMODICS INC COM 868873100 205,996 4,900 SH SOLE 4,900 0 0
THE COCA-COLA CO COM 191216100 701,121 11,015 SH OTR 2 10,427 591 0
TRUIST FINL CORP COM 89832Q109 2,267,362 58,362 SH SOLE 58,362 0 0
VANECK INTERMEDIATE MUNIETF INTRMDT MUNI ETF 92189H201 227,000 4,952 SH SOLE 4,952 0 0
VANGUARD ENERGY ETF ENERGY ETF 92204A306 208,795 1,637 SH SOLE 1,637 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF VAN FTSE DEV MKT 921943858 858,697 17,375 SH SOLE 17,375 0 0
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 1,966,009 44,927 SH SOLE 44,927 0 0
VANGUARD HEALTH CARE ETF HEALTH CAR ETF 92204A504 302,300 1,136 SH SOLE 1,136 0 0
VANGUARD MID CAP ETF MID CAP ETF 922908629 358,185 1,479 SH SOLE 1,479 0 0
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 1,627,615 19,432 SH SOLE 19,432 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 2,173,191 4,345 SH SOLE 4,345 0 0
VANGUARD S&P 500 VALUE ETF 500 VAL IDX FD 921932703 225,010 1,280 SH SOLE 1,280 0 0
VANGUARD S&P SMALL CAP 600 VALUE ETF SMLCP 600 VAL 921932778 250,396 2,993 SH SOLE 2,993 0 0
VANGUARD SHORT INFLATIONPROT ETF IV STRM INFPROIDX 922020805 435,234 8,967 SH SOLE 8,967 0 0
VANGUARD SHORT TERM TREASURY ETF SHORT TERM TREAS 92206C102 788,586 13,599 SH OTR 1 13,452 147 0
VANGUARD SMALL CAP ETF SMALL CP ETF 922908751 331,038 1,518 SH SOLE 1,518 0 0
VANGUARD SMALL CAP VALUEETF SM CP VAL ETF 922908611 426,455 2,336 SH SOLE 2,336 0 0
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835 897,970 12,463 SH SOLE 12,463 0 0
VANGUARD TOTAL INTERNATLBND ETF IV TOTAL INT BD ETF 92203J407 286,099 5,878 SH SOLE 5,878 0 0
VANGUARD TOTAL INTERNTL STOCK ETF IV VG TL INTL STK F 921909768 1,138,536 18,881 SH SOLE 18,881 0 0
VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769 2,726,784 10,193 SH SOLE 10,193 0 0
VERIZON COMMUNICATN COM 92343V104 337,523 8,184 SH OTR 1 7,488 696 0
WALMART INC COM 931142103 469,095 6,928 SH OTR 1 6,119 809 0
WASTE MANAGEMENT INC COM 949746101 789,358 3,700 SH SOLE 3,700 0 0
WELLS FARGO & CO COM 949746101 796,302 13,408 SH OTR 2 13,032 376 0
WISDOMTREE INTL SMALLCP DIVIDEND ETF INTL SMCAP DIV 97717W760 246,902 3,892 SH SOLE 3,892 0 0