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
Estimated average burden
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 419,608 4,873 SH SOLE 4,873 0 0
AFLAC INC COM 001055102 465,066 4,496 SH SOLE 4,496 0 0
ALTRIA GROUP INC COM 02209S103 256,221 4,900 SH SOLE 4,900 0 0
AMERICAN EXPRESS CO COM 025816109 832,243 3,850 SH SOLE 3,850 0 0
AMGEN INC COM 031162100 366,333 2,104 SH SOLE 2,104 0 0
APPLE INC COM 037833100 1,555,541 7,248 SH SOLE 7,248 0 0
AT&T INC COM 00206R102 212,609 9,337 SH SOLE 9,337 0 0
BANK AMERICA CORP COM 060505104 244,933 5,573 SH SOLE 5,573 0 0
BANK NEW YORK MELLON CORP COM 064058100 783,666 10,200 SH SOLE 10,200 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 562,520 1,241 SH SOLE 1,241 0 0
BOEING CO COM 097023105 447,102 3,356 SH SOLE 3,356 0 0
CATERPILLAR INC COM 149123101 956,667 3,403 SH SOLE 3,403 0 0
CHEVRON CORP NEW COM 166764100 430,369 4,305 SH SOLE 4,305 0 0
CISCO SYS INC COM 17275R102 707,361 16,473 SH SOLE 16,473 0 0
CITIGROUP INC COM NEW 172967424 234,680 3,334 SH SOLE 3,334 0 0
COCA COLA CO COM 191216100 524,200 13,219 SH SOLE 13,219 0 0
CSX CORP COM 126408103 1,025,218 31,770 SH SOLE 31,770 0 0
DISNEY WALT CO COM 254687106 484,052 6,548 SH SOLE 6,548 0 0
DOW INC COM 260557103 325,955 12,066 SH SOLE 12,066 0 0
ELME COMMUNITIES SH BEN INT 939653101 331,302 27,655 SH SOLE 27,655 0 0
ESSEX PPTY TR INC COM 297178105 358,084 2,314 SH SOLE 2,314 0 0
EXXON MOBIL CORP COM 30231G102 431,052 4,007 SH SOLE 4,007 0 0
FIRST CTZNS BANCSHARES INC N CL A 31946M103 270,467 128 SH SOLE 128 0 0
FORD MTR CO COM 345370860 101,317 10,234 SH SOLE 10,234 0 0
FORTUNE BRANDS INNOVATIONS I COM 34964C106 223,029 3,264 SH SOLE 3,264 0 0
FRANKLIN TEMPLETON ETF TR FTSE LATN AMRC 35473P561 300,044 35,156 SH SOLE 35,156 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 326,440 23,274 SH SOLE 23,274 0 0
FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827 451,291 22,011 SH SOLE 22,011 0 0
FRANKLIN TEMPLETON ETF TR FRANKLIN ASIA 35473P660 623,401 41,835 SH SOLE 41,835 0 0
FRANKLIN TEMPLETON ETF TR FRANKLIN INDIA 35473P769 332,156 19,672 SH SOLE 19,672 0 0
GE AEROSPACE COM NEW 369604301 614,621 3,685 SH SOLE 3,685 0 0
GE VERNOVA INC COM 36828A101 302,945 921 SH SOLE 921 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 799,349 1,917 SH SOLE 1,917 0 0
GSK PLC SPONSORED ADR 37733W204 461,880 13,657 SH SOLE 13,657 0 0
HALEON PLC SPON ADS 405552100 162,876 17,073 SH SOLE 17,073 0 0
HOME DEPOT INC COM 437076102 864,968 2,801 SH SOLE 2,801 0 0
HONEYWELL INTL INC COM 438516106 1,731,999 8,784 SH SOLE 8,784 0 0
INTEL CORP COM 458140100 356,659 24,855 SH SOLE 24,855 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 2,578,831 13,096 SH SOLE 13,096 0 0
INTERNATIONAL PAPER CO COM 460146103 377,816 7,020 SH SOLE 7,020 0 0
INVESCO INDIA EXCHANGE-TRADE INDIA ETF 46137R109 422,684 31,443 SH SOLE 31,443 0 0
ISHARES INC JP MRGN EM HI BD 464286285 399,265 24,652 SH SOLE 24,652 0 0
ISHARES INC MSCI JAPN SMCETF 464286582 411,835 10,881 SH SOLE 10,881 0 0
ISHARES INC MSCI PAC JP ETF 464286665 357,621 16,248 SH SOLE 16,248 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 273,969 9,496 SH SOLE 9,496 0 0
ISHARES INC MSCI EM ASIA ETF 464286426 429,255 10,616 SH SOLE 10,616 0 0
ISHARES INC MSCI CDA ETF 464286509 196,221 14,817 SH SOLE 14,817 0 0
ISHARES INC CORE MSCI EMKT 46434G103 407,296 14,052 SH SOLE 14,052 0 0
ISHARES TR EAFE GRWTH ETF 464288885 228,325 5,589 SH SOLE 5,589 0 0
ISHARES TR LATN AMER 40 ETF 464287390 773,854 49,754 SH SOLE 49,754 0 0
ISHARES TR EUROPE ETF 464287861 225,264 10,236 SH SOLE 10,236 0 0
ISHARES TR MSCI AC ASIA ETF 464288182 259,271 8,119 SH SOLE 8,119 0 0
ISHARES TR MSCI EAFE ETF 464287465 231,971 7,292 SH SOLE 7,292 0 0
ISHARES TR CORE MSCI EURO 46434V738 223,909 9,868 SH SOLE 9,868 0 0
ISHARES TR JPMORGAN USD EMG 464288281 731,008 13,963 SH SOLE 13,963 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 163,883 18,319 SH SOLE 18,319 0 0
ISHARES TR MSCI INDIA ETF 46429B598 350,372 14,344 SH SOLE 14,344 0 0
ISHARES TR INTL DEV RE ETF 464288489 142,627 19,830 SH SOLE 19,830 0 0
ISHARES TR MBS ETF 464288588 225,349 4,269 SH SOLE 4,269 0 0
ISHARES TR MSCI CHINA ETF 46429B671 241,282 12,503 SH SOLE 12,503 0 0
ISHARES TR CORE MSCI PAC 46434V696 562,039 14,644 SH SOLE 14,644 0 0
ISHARES TR CHINA LG-CAP ETF 464287184 400,108 25,576 SH SOLE 25,576 0 0
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217 297,668 11,768 SH SOLE 11,768 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191 589,796 16,184 SH SOLE 16,184 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225 751,762 16,361 SH SOLE 16,361 0 0
JBG SMITH PPTYS COM 46590V100 93,741 10,970 SH SOLE 10,970 0 0
JOHNSON & JOHNSON COM 478160104 542,031 5,157 SH SOLE 5,157 0 0
JPMORGAN CHASE & CO. COM 46625H100 1,328,663 6,761 SH SOLE 6,761 0 0
KIMCO RLTY CORP COM 49446R109 254,304 16,176 SH SOLE 16,176 0 0
MARRIOTT INTL INC NEW CL A 571903202 206,416 740 SH SOLE 740 0 0
MARSH & MCLENNAN COS INC COM 571748102 318,615 1,500 SH SOLE 1,500 0 0
MCDONALDS CORP COM 580135101 720,451 3,078 SH SOLE 3,078 0 0
MERCK & CO INC COM 58933Y105 734,817 8,916 SH SOLE 8,916 0 0
MICROSOFT CORP COM 594918104 1,770,240 4,994 SH SOLE 4,994 0 0
MONDELEZ INTL INC CL A 609207105 204,575 3,425 SH SOLE 3,425 0 0
NIKE INC CL B 654106103 329,890 6,248 SH SOLE 6,248 0 0
PARAMOUNT GLOBAL CLASS B COM 92556H206 116,441 11,132 SH SOLE 11,132 0 0
PHILIP MORRIS INTL INC COM 718172109 589,715 4,900 SH SOLE 4,900 0 0
PPL CORP COM 69351T106 327,846 10,688 SH SOLE 10,688 0 0
PROCTER AND GAMBLE CO COM 742718109 1,683,546 11,181 SH SOLE 11,181 0 0
PROLOGIS INC. COM 74340W103 295,432 2,795 SH SOLE 2,795 0 0
RTX CORPORATION COM 75513E101 268,857 3,081 SH SOLE 3,081 0 0
SALESFORCE INC COM 79466L302 313,100 1,804 SH SOLE 1,804 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 118,002 23,783 SH SOLE 23,783 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 686,240 26,536 SH SOLE 26,536 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 385,275 60,560 SH SOLE 60,560 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 663,613 29,914 SH SOLE 29,914 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 157,841 10,910 SH SOLE 10,910 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 352,255 25,731 SH SOLE 25,731 0 0
SIMON PPTY GROUP INC NEW COM 828806109 582,586 3,383 SH SOLE 3,383 0 0
SPDR INDEX SHS FDS S&P CHINA ETF 78463X400 691,809 13,722 SH SOLE 13,722 0 0
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 427,301 6,252 SH SOLE 6,252 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 233,483 16,149 SH SOLE 16,149 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606 514,953 29,410 SH SOLE 29,410 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 468,268 6,756 SH SOLE 6,756 0 0
TRAVELERS COMPANIES INC COM 89417E109 960,373 4,989 SH SOLE 4,989 0 0
UMH PPTYS INC COM 903002103 219,225 23,223 SH SOLE 23,223 0 0
UNION PAC CORP COM 907818108 547,296 2,400 SH SOLE 2,400 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,040,104 2,435 SH SOLE 2,435 0 0
URBAN EDGE PPTYS COM 91704F104 123,243 10,436 SH SOLE 10,436 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353 329,617 43,671 SH SOLE 43,671 0 0
VANECK ETF TRUST AFRICA INDEX ETF 92189F866 362,153 42,682 SH SOLE 42,682 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 212,288 14,376 SH SOLE 14,376 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,473,880 17,935 SH SOLE 17,935 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,258,013 12,105 SH SOLE 12,105 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,411,654 8,958 SH SOLE 8,958 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 745,927 1,384 SH SOLE 1,384 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,581,763 12,620 SH SOLE 12,620 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 497,820 11,488 SH SOLE 11,488 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 596,670 7,970 SH SOLE 7,970 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 526,555 18,954 SH SOLE 18,954 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 585,982 14,168 SH SOLE 14,168 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 243,497 14,251 SH SOLE 14,251 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 229,013 8,729 SH SOLE 8,729 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 338,996 13,703 SH SOLE 13,703 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 1,068,415 25,447 SH SOLE 25,447 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 591,332 22,475 SH SOLE 22,475 0 0
VISA INC COM CL A 92826C839 852,124 3,436 SH SOLE 3,436 0 0
VORNADO RLTY TR SH BEN INT 929042109 222,424 9,588 SH SOLE 9,588 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 101,982 19,183 SH SOLE 19,183 0 0
WALMART INC COM 931142103 1,688,026 31,625 SH SOLE 31,625 0 0