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
3M CO COM 88579Y101 676 3,807 SH   SOLE   3,807 0 0
ABBOTT LABS COM 002824100 7,665 54,461 SH   SOLE   54,461 0 0
ABBVIE INC COM 00287Y109 6,611 48,827 SH   SOLE   48,827 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 255 616 SH   SOLE   616 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 3,699 6,523 SH   SOLE   6,523 0 0
AFLAC INC COM 001055102 368 6,294 SH   SOLE   6,294 0 0
ALPHABET INC CAP STK CL C 02079K107 1,076 372 SH   SOLE   372 0 0
ALPHABET INC CAP STK CL A 02079K305 12,417 4,286 SH   SOLE   4,286 0 0
ALTRIA GROUP INC COM 02209S103 694 14,653 SH   SOLE   14,653 0 0
AMAZON COM INC COM 023135106 6,045 1,813 SH   SOLE   1,813 0 0
AMERICAN ELEC PWR CO INC COM 025537101 506 5,686 SH   SOLE   5,686 0 0
AMERICAN EXPRESS CO COM 025816109 229 1,397 SH   SOLE   1,397 0 0
AMERICAN TOWER CORP NEW COM 03027X100 2,015 6,889 SH   SOLE   6,889 0 0
AMGEN INC COM 031162100 487 2,164 SH   SOLE   2,164 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 1,634 26,982 SH   SOLE   26,982 0 0
ANTHEM INC COM 036752103 2,301 4,964 SH   SOLE   4,964 0 0
APPLE INC COM 037833100 21,775 122,629 SH   SOLE   122,629 0 0
APPLIED MATLS INC COM 038222105 330 2,100 SH   SOLE   2,100 0 0
AT&T INC COM 00206R102 1,245 50,614 SH   SOLE   50,614 0 0
BANK OF THE JAMES FINL GP IN COM 470299108 2,716 176,147 SH   SOLE   176,147 0 0
BARNES GROUP INC COM 067806109 533 11,434 SH   SOLE   11,434 0 0
BECTON DICKINSON & CO COM 075887109 656 2,610 SH   SOLE   2,610 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 9,918 33,171 SH   SOLE   33,171 0 0
BK OF AMERICA CORP COM 060505104 9,136 205,353 SH   SOLE   205,353 0 0
BOEING CO COM 097023105 2,531 12,573 SH   SOLE   12,573 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 431 6,909 SH   SOLE   6,909 0 0
CANADIAN NATL RY CO COM 136375102 417 3,391 SH   SOLE   3,391 0 0
CARMAX INC COM 143130102 368 2,825 SH   SOLE   2,825 0 0
CHEVRON CORP NEW COM 166764100 5,702 48,590 SH   SOLE   48,590 0 0
CINCINNATI FINL CORP COM 172062101 416 3,650 SH   SOLE   3,650 0 0
CISCO SYS INC COM 17275R102 7,369 116,289 SH   SOLE   116,289 0 0
COCA COLA CO COM 191216100 1,085 18,333 SH   SOLE   18,333 0 0
COMCAST CORP NEW CL A 20030N101 5,167 102,657 SH   SOLE   102,657 0 0
CONSOLIDATED EDISON INC COM 209115104 239 2,800 SH   SOLE   2,800 0 0
COSTCO WHSL CORP NEW COM 22160K105 458 807 SH   SOLE   807 0 0
CSX CORP COM 126408103 808 21,485 SH   SOLE   21,485 0 0
CVS HEALTH CORP COM 126650100 8,910 86,373 SH   SOLE   86,373 0 0
DISNEY WALT CO COM 254687106 8,420 54,360 SH   SOLE   54,360 0 0
DOMINION ENERGY INC COM 25746U109 5,701 72,573 SH   SOLE   72,573 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,882 17,940 SH   SOLE   17,940 0 0
EMERSON ELEC CO COM 291011104 297 3,196 SH   SOLE   3,196 0 0
ENBRIDGE INC COM 29250N105 2,908 74,419 SH   SOLE   74,419 0 0
EXPEDIA GROUP INC COM NEW 30212P303 248 1,373 SH   SOLE   1,373 0 0
EXXON MOBIL CORP COM 30231G102 6,895 112,677 SH   SOLE   112,677 0 0
FEDEX CORP COM 31428X106 5,790 22,385 SH   SOLE   22,385 0 0
GENERAL ELECTRIC CO COM NEW 369604301 259 2,740 SH   SOLE   2,740 0 0
GENERAL MLS INC COM 370334104 475 7,050 SH   SOLE   7,050 0 0
GENERAL MTRS CO COM 37045V100 1,079 18,411 SH   SOLE   18,411 0 0
HOME DEPOT INC COM 437076102 14,312 34,487 SH   SOLE   34,487 0 0
HONEYWELL INTL INC COM 438516106 7,039 33,757 SH   SOLE   33,757 0 0
INTEL CORP COM 458140100 1,145 22,240 SH   SOLE   22,240 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,866 13,645 SH   SOLE   13,645 0 0
INTERDIGITAL INC COM 45867G101 222 3,100 SH   SOLE   3,100 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 834 6,242 SH   SOLE   6,242 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 7,842 19,711 SH   SOLE   19,711 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 454 1,486 SH   SOLE   1,486 0 0
ISHARES TR ISHARES BIOTECH 464287556 241 1,580 SH   SOLE   1,580 0 0
ISHARES TR TIPS BD ETF 464287176 237 1,835 SH   SOLE   1,835 0 0
ISHARES TR SELECT DIVID ETF 464287168 238 1,940 SH   SOLE   1,940 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 353 2,100 SH   SOLE   2,100 0 0
ISHARES TR US INDUSTRIALS 464287754 239 2,120 SH   SOLE   2,120 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 507 2,281 SH   SOLE   2,281 0 0
ISHARES TR US AER DEF ETF 464288760 246 2,395 SH   SOLE   2,395 0 0
ISHARES TR S&P MC 400VL ETF 464287705 341 3,080 SH   SOLE   3,080 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,587 3,327 SH   SOLE   3,327 0 0
ISHARES TR NATIONAL MUN ETF 464288414 420 3,612 SH   SOLE   3,612 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 361 4,219 SH   SOLE   4,219 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 444 5,492 SH   SOLE   5,492 0 0
ISHARES TR US CONSUM DISCRE 464287580 462 5,500 SH   SOLE   5,500 0 0
ISHARES TR IBOXX INV CP ETF 464287242 835 6,300 SH   SOLE   6,300 0 0
ISHARES TR US REGNL BKS ETF 464288778 408 6,600 SH   SOLE   6,600 0 0
ISHARES TR INTRM GOV CR ETF 464288612 834 7,332 SH   SOLE   7,332 0 0
ISHARES TR U.S. MED DVC ETF 464288810 714 10,850 SH   SOLE   10,850 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,310 12,968 SH   SOLE   12,968 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 786 15,500 SH   SOLE   15,500 0 0
ISHARES TR US HLTHCARE ETF 464287762 5,867 19,533 SH   SOLE   19,533 0 0
ISHARES TR CORE S&P MCP ETF 464287507 6,871 24,272 SH   SOLE   24,272 0 0
ISHARES TR CORE S&P SCP ETF 464287804 3,211 28,044 SH   SOLE   28,044 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 2,121 35,790 SH   SOLE   35,790 0 0
ISHARES TR U.S. TECH ETF 464287721 4,396 38,290 SH   SOLE   38,290 0 0
ISHARES TR U.S. FINLS ETF 464287788 3,816 44,019 SH   SOLE   44,019 0 0
ISHARES TR CORE US AGGBD ET 464287226 5,995 52,550 SH   SOLE   52,550 0 0
ISHARES TR PFD AND INCM SEC 464288687 3,885 98,530 SH   SOLE   98,530 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 9,092 178,102 SH   SOLE   178,102 0 0
JOHNSON & JOHNSON COM 478160104 9,752 57,004 SH   SOLE   57,004 0 0
JOHNSON CTLS INTL PLC SHS G51502105 212 2,606 SH   SOLE   2,606 0 0
JPMORGAN CHASE & CO COM 46625H100 10,171 64,232 SH   SOLE   64,232 0 0
KIMBERLY-CLARK CORP COM 494368103 2,678 18,740 SH   SOLE   18,740 0 0
LILLY ELI & CO COM 532457108 524 1,896 SH   SOLE   1,896 0 0
LINCOLN NATL CORP IND COM 534187109 341 4,998 SH   SOLE   4,998 0 0
LOCKHEED MARTIN CORP COM 539830109 326 917 SH   SOLE   917 0 0
LOWES COS INC COM 548661107 929 3,596 SH   SOLE   3,596 0 0
MCDONALDS CORP COM 580135101 1,667 6,220 SH   SOLE   6,220 0 0
MEDTRONIC PLC SHS G5960L103 3,841 37,126 SH   SOLE   37,126 0 0
MERCK & CO INC COM 58933Y105 1,763 23,008 SH   SOLE   23,008 0 0
META PLATFORMS INC CL A 30303M102 2,677 7,958 SH   SOLE   7,958 0 0
MICROSOFT CORP COM 594918104 22,961 68,270 SH   SOLE   68,270 0 0
MONDELEZ INTL INC CL A 609207105 521 7,852 SH   SOLE   7,852 0 0
NEXTERA ENERGY INC COM 65339F101 412 4,408 SH   SOLE   4,408 0 0
NIKE INC CL B 654106103 608 3,647 SH   SOLE   3,647 0 0
NORFOLK SOUTHN CORP COM 655844108 8,154 27,389 SH   SOLE   27,389 0 0
NUVEEN MUN VALUE FD INC COM 670928100 722 69,544 SH   SOLE   69,544 0 0
ORACLE CORP COM 68389X105 1,872 21,462 SH   SOLE   21,462 0 0
PAYPAL HLDGS INC COM 70450Y103 781 4,140 SH   SOLE   4,140 0 0
PEPSICO INC COM 713448108 10,582 60,919 SH   SOLE   60,919 0 0
PFIZER INC COM 717081103 3,074 52,061 SH   SOLE   52,061 0 0
PHILIP MORRIS INTL INC COM 718172109 1,278 13,456 SH   SOLE   13,456 0 0
PROCTER AND GAMBLE CO COM 742718109 12,966 79,264 SH   SOLE   79,264 0 0
QUALCOMM INC COM 747525103 259 1,415 SH   SOLE   1,415 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 5,298 61,567 SH   SOLE   61,567 0 0
ROCKWELL AUTOMATION INC COM 773903109 343 982 SH   SOLE   982 0 0
SCHWAB CHARLES CORP COM 808513105 1,140 13,558 SH   SOLE   13,558 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,178 10,352 SH   SOLE   10,352 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,223 11,943 SH   SOLE   11,943 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 292 2,075 SH   SOLE   2,075 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 506 4,780 SH   SOLE   4,780 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 266 5,125 SH   SOLE   5,125 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,447 8,324 SH   SOLE   8,324 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,821 8,908 SH   SOLE   8,908 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 397 10,155 SH   SOLE   10,155 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 815 11,390 SH   SOLE   11,390 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,209 39,805 SH   SOLE   39,805 0 0
SHERWIN WILLIAMS CO COM 824348106 910 2,583 SH   SOLE   2,583 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 423 2,727 SH   SOLE   2,727 0 0
SOUTHERN CO COM 842587107 3,171 46,240 SH   SOLE   46,240 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 20,107 42,334 SH   SOLE   42,334 0 0
SPDR SER TR S&P DIVID ETF 78464A763 5,054 39,140 SH   SOLE   39,140 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 5,349 172,700 SH   SOLE   172,700 0 0
STARBUCKS CORP COM 855244109 2,101 17,962 SH   SOLE   17,962 0 0
SYNOVUS FINL CORP COM NEW 87161C501 497 10,392 SH   SOLE   10,392 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 810 4,560 SH   SOLE   4,560 0 0
TEXAS INSTRS INC COM 882508104 252 1,339 SH   SOLE   1,339 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 608 911 SH   SOLE   911 0 0
TRUIST FINL CORP COM 89832Q109 4,870 83,172 SH   SOLE   83,172 0 0
UNION PAC CORP COM 907818108 2,262 8,978 SH   SOLE   8,978 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,299 6,061 SH   SOLE   6,061 0 0
V F CORP COM 918204108 638 8,718 SH   SOLE   8,718 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 511 2,430 SH   SOLE   2,430 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,088 24,643 SH   SOLE   24,643 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 6,039 120,903 SH   SOLE   120,903 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 457 1,425 SH   SOLE   1,425 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 403 1,581 SH   SOLE   1,581 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 235 1,596 SH   SOLE   1,596 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 541 2,448 SH   SOLE   2,448 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 618 2,560 SH   SOLE   2,560 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 827 3,658 SH   SOLE   3,658 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,530 8,085 SH   SOLE   8,085 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 336 5,479 SH   SOLE   5,479 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 307 5,968 SH   SOLE   5,968 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 13,551 166,758 SH   SOLE   166,758 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 12,648 73,643 SH   SOLE   73,643 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 894 14,063 SH   SOLE   14,063 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 310 1,187 SH   SOLE   1,187 0 0
VENTAS INC COM 92276F100 1,135 22,200 SH   SOLE   22,200 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 8,152 156,892 SH   SOLE   156,892 0 0
VISA INC COM CL A 92826C839 9,976 46,036 SH   SOLE   46,036 0 0
WALMART INC COM 931142103 6,915 47,791 SH   SOLE   47,791 0 0
WELLS FARGO CO NEW COM 949746101 575 11,987 SH   SOLE   11,987 0 0
WELLTOWER INC COM 95040Q104 424 4,944 SH   SOLE   4,944 0 0