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
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
AFLAC INC COM 001055102 284 6,377 SH   SOLE   6,377 0 0
ABBOTT LABS COM 002824100 5,604 51,187 SH   SOLE   51,187 0 0
AMAZON COM INC COM 023135106 4,983 1,530 SH   SOLE   1,530 0 0
AMERICAN ELEC PWR CO INC COM 025537101 458 5,499 SH   SOLE   5,499 0 0
AMGEN INC COM 031162100 687 2,986 SH   SOLE   2,986 0 0
ANTHEM INC COM 036752103 1,546 4,815 SH   SOLE   4,815 0 0
APPLE INC COM 037833100 17,246 129,969 SH   SOLE   129,969 0 0
BK OF AMERICA CORP COM 060505104 6,356 209,689 SH   SOLE   209,689 0 0
BARNES GROUP INC COM 067806109 680 13,422 SH   SOLE   13,422 0 0
BECTON DICKINSON & CO COM 075887109 594 2,373 SH   SOLE   2,373 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 7,749 33,419 SH   SOLE   33,419 0 0
BOEING CO COM 097023105 2,421 11,309 SH   SOLE   11,309 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 450 7,251 SH   SOLE   7,251 0 0
CSX CORP COM 126408103 773 8,520 SH   SOLE   8,520 0 0
CVS HEALTH CORP COM 126650100 5,611 82,150 SH   SOLE   82,150 0 0
CANADIAN NATL RY CO COM 136375102 458 4,166 SH   SOLE   4,166 0 0
CARMAX INC COM 143130102 430 4,550 SH   SOLE   4,550 0 0
CHEVRON CORP NEW COM 166764100 3,677 43,535 SH   SOLE   43,535 0 0
CINCINNATI FINL CORP COM 172062101 319 3,650 SH   SOLE   3,650 0 0
COCA COLA CO COM 191216100 1,049 19,123 SH   SOLE   19,123 0 0
COLGATE PALMOLIVE CO COM 194162103 250 2,927 SH   SOLE   2,927 0 0
CONSOLIDATED EDISON INC COM 209115104 202 2,800 SH   SOLE   2,800 0 0
DISNEY WALT CO COM 254687106 9,253 51,070 SH   SOLE   51,070 0 0
EMERSON ELEC CO COM 291011104 269 3,341 SH   SOLE   3,341 0 0
GENERAL ELECTRIC CO COM 369604103 237 21,951 SH   SOLE   21,951 0 0
GENERAL MLS INC COM 370334104 523 8,900 SH   SOLE   8,900 0 0
HOME DEPOT INC COM 437076102 9,430 35,502 SH   SOLE   35,502 0 0
HONEYWELL INTL INC COM 438516106 7,232 34,002 SH   SOLE   34,002 0 0
INTEL CORP COM 458140100 2,173 43,614 SH   SOLE   43,614 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 838 6,653 SH   SOLE   6,653 0 0
ISHARES TR SELECT DIVID ETF 464287168 217 2,255 SH   SOLE   2,255 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,270 3,382 SH   SOLE   3,382 0 0
ISHARES TR CORE US AGGBD ET 464287226 7,535 63,750 SH   SOLE   63,750 0 0
ISHARES TR IBOXX INV CP ETF 464287242 856 6,200 SH   SOLE   6,200 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 339 3,923 SH   SOLE   3,923 0 0
ISHARES TR MSCI EAFE ETF 464287465 214 2,931 SH   SOLE   2,931 0 0
ISHARES TR CORE S&P MCP ETF 464287507 5,835 25,390 SH   SOLE   25,390 0 0
ISHARES TR U.S. CNSM SV ETF 464287580 397 5,628 SH   SOLE   5,628 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 270 1,975 SH   SOLE   1,975 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 367 1,521 SH   SOLE   1,521 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 392 1,998 SH   SOLE   1,998 0 0
ISHARES TR S&P MC 400VL ETF 464287705 304 3,520 SH   SOLE   3,520 0 0
ISHARES TR U.S. TECH ETF 464287721 3,798 44,640 SH   SOLE   44,640 0 0
ISHARES TR US INDUSTRIALS 464287754 216 2,220 SH   SOLE   2,220 0 0
ISHARES TR US HLTHCARE ETF 464287762 5,523 22,458 SH   SOLE   22,458 0 0
ISHARES TR U.S. FINLS ETF 464287788 3,322 49,760 SH   SOLE   49,760 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,540 27,639 SH   SOLE   27,639 0 0
ISHARES TR EUROPE ETF 464287861 290 6,058 SH   SOLE   6,058 0 0
ISHARES TR NATIONAL MUN ETF 464288414 441 3,762 SH   SOLE   3,762 0 0
ISHARES TR INTRM GOV CR ETF 464288612 664 5,646 SH   SOLE   5,646 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 2,461 39,830 SH   SOLE   39,830 0 0
ISHARES TR PFD AND INCM SEC 464288687 3,239 84,100 SH   SOLE   84,100 0 0
ISHARES TR US AER DEF ETF 464288760 253 2,670 SH   SOLE   2,670 0 0
ISHARES TR US REGNL BKS ETF 464288778 354 7,800 SH   SOLE   7,800 0 0
ISHARES TR U.S. MED DVC ETF 464288810 660 2,015 SH   SOLE   2,015 0 0
BANK OF THE JAMES FINL GP IN COM 470299108 2,019 162,273 SH   SOLE   162,273 0 0
JOHNSON & JOHNSON COM 478160104 8,896 56,527 SH   SOLE   56,527 0 0
KIMBERLY-CLARK CORP COM 494368103 2,300 17,055 SH   SOLE   17,055 0 0
LILLY ELI & CO COM 532457108 312 1,846 SH   SOLE   1,846 0 0
LINCOLN NATL CORP IND COM 534187109 264 5,257 SH   SOLE   5,257 0 0
LOCKHEED MARTIN CORP COM 539830109 328 923 SH   SOLE   923 0 0
LOWES COS INC COM 548661107 574 3,578 SH   SOLE   3,578 0 0
MCDONALDS CORP COM 580135101 1,280 5,966 SH   SOLE   5,966 0 0
MICROSOFT CORP COM 594918104 16,975 76,318 SH   SOLE   76,318 0 0
MONDELEZ INTL INC CL A 609207105 471 8,059 SH   SOLE   8,059 0 0
NIKE INC CL B 654106103 560 3,957 SH   SOLE   3,957 0 0
NORFOLK SOUTHN CORP COM 655844108 6,775 28,515 SH   SOLE   28,515 0 0
NUVEEN MUN VALUE FD INC COM 670928100 892 80,389 SH   SOLE   80,389 0 0
PEPSICO INC COM 713448108 8,903 60,033 SH   SOLE   60,033 0 0
PFIZER INC COM 717081103 3,122 84,804 SH   SOLE   84,804 0 0
PHILIP MORRIS INTL INC COM 718172109 1,153 13,930 SH   SOLE   13,930 0 0
PROCTER AND GAMBLE CO COM 742718109 11,112 79,864 SH   SOLE   79,864 0 0
ROCKWELL AUTOMATION INC COM 773903109 275 1,095 SH   SOLE   1,095 0 0
SCHWAB CHARLES CORP COM 808513105 873 16,452 SH   SOLE   16,452 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 943 10,369 SH   SOLE   10,369 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 812 9,123 SH   SOLE   9,123 0 0
SHERWIN WILLIAMS CO COM 824348106 642 873 SH   SOLE   873 0 0
SOUTHERN CO COM 842587107 3,005 48,920 SH   SOLE   48,920 0 0
SOUTHWEST AIRLS CO COM 844741108 238 5,100 SH   SOLE   5,100 0 0
STARBUCKS CORP COM 855244109 1,692 15,818 SH   SOLE   15,818 0 0
TEXAS INSTRS INC COM 882508104 223 1,359 SH   SOLE   1,359 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 368 791 SH   SOLE   791 0 0
UNION PAC CORP COM 907818108 1,924 9,242 SH   SOLE   9,242 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,195 7,097 SH   SOLE   7,097 0 0
V F CORP COM 918204108 883 10,340 SH   SOLE   10,340 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 10,746 76,120 SH   SOLE   76,120 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 987 16,398 SH   SOLE   16,398 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 275 1,350 SH   SOLE   1,350 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 423 2,519 SH   SOLE   2,519 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,847 43,624 SH   SOLE   43,624 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 249 4,873 SH   SOLE   4,873 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 315 5,390 SH   SOLE   5,390 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,295 6,678 SH   SOLE   6,678 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 331 1,599 SH   SOLE   1,599 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 739 4,203 SH   SOLE   4,203 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 394 1,554 SH   SOLE   1,554 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 781 4,012 SH   SOLE   4,012 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,137 5,839 SH   SOLE   5,839 0 0
WALMART INC COM 931142103 6,038 41,887 SH   SOLE   41,887 0 0
WELLS FARGO CO NEW COM 949746101 436 14,455 SH   SOLE   14,455 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 4,377 61,206 SH   SOLE   61,206 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 6,663 21,237 SH   SOLE   21,237 0 0
AT&T INC COM 00206R102 2,450 85,191 SH   SOLE   85,191 0 0
ABBVIE INC COM 00287Y109 4,022 37,536 SH   SOLE   37,536 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 3,076 6,151 SH   SOLE   6,151 0 0
ALPHABET INC CAP STK CL C 02079K107 695 397 SH   SOLE   397 0 0
ALPHABET INC CAP STK CL A 02079K305 8,017 4,574 SH   SOLE   4,574 0 0
ALTRIA GROUP INC COM 02209S103 636 15,500 SH   SOLE   15,500 0 0
AMERICAN TOWER CORP NEW COM 03027X100 1,574 7,012 SH   SOLE   7,012 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 1,773 25,360 SH   SOLE   25,360 0 0
CISCO SYS INC COM 17275R102 4,951 110,631 SH   SOLE   110,631 0 0
COMCAST CORP NEW CL A 20030N101 5,234 99,891 SH   SOLE   99,891 0 0
COSTCO WHSL CORP NEW COM 22160K105 286 760 SH   SOLE   760 0 0
DOMINION ENERGY INC COM 25746U109 5,463 72,642 SH   SOLE   72,642 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,718 18,759 SH   SOLE   18,759 0 0
ENBRIDGE INC COM 29250N105 2,094 65,472 SH   SOLE   65,472 0 0
EXPEDIA GROUP INC COM NEW 30212P303 303 2,285 SH   SOLE   2,285 0 0
EXXON MOBIL CORP COM 30231G102 4,309 104,534 SH   SOLE   104,534 0 0
FACEBOOK INC CL A 30303M102 1,700 6,223 SH   SOLE   6,223 0 0
FEDEX CORP COM 31428X106 5,701 21,958 SH   SOLE   21,958 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,505 13,055 SH   SOLE   13,055 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 919 18,125 SH   SOLE   18,125 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,234 14,070 SH   SOLE   14,070 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 241 3,283 SH   SOLE   3,283 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 394 5,806 SH   SOLE   5,806 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 7,703 147,520 SH   SOLE   147,520 0 0
JPMORGAN CHASE & CO COM 46625H100 8,021 63,122 SH   SOLE   63,122 0 0
MERCK & CO. INC COM 58933Y105 2,159 26,391 SH   SOLE   26,391 0 0
NEXTERA ENERGY INC COM 65339F101 460 5,968 SH   SOLE   5,968 0 0
ORACLE CORP COM 68389X105 1,132 17,502 SH   SOLE   17,502 0 0
OTIS WORLDWIDE CORP COM 68902V107 558 8,267 SH   SOLE   8,267 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 15,099 40,384 SH   SOLE   40,384 0 0
SPDR SER TR S&P DIVID ETF 78464A763 2,390 22,564 SH   SOLE   22,564 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,395 36,805 SH   SOLE   36,805 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 331 2,544 SH   SOLE   2,544 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 728 11,607 SH   SOLE   11,607 0 0
SYNOVUS FINL CORP COM NEW 87161C501 336 10,392 SH   SOLE   10,392 0 0
3M CO COM 88579Y101 907 5,190 SH   SOLE   5,190 0 0
TRUIST FINL CORP COM 89832Q109 3,923 81,856 SH   SOLE   81,856 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 10,787 129,568 SH   SOLE   129,568 0 0
VENTAS INC COM 92276F100 1,240 25,293 SH   SOLE   25,293 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 9,457 160,969 SH   SOLE   160,969 0 0
VISA INC COM CL A 92826C839 9,593 43,858 SH   SOLE   43,858 0 0
WELLTOWER INC COM 95040Q104 447 6,912 SH   SOLE   6,912 0 0
MEDTRONIC PLC SHS G5960L103 4,112 35,107 SH   SOLE   35,107 0 0