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
REGENERON PHARMACEUTICALS COM 75886F107 316 535 SH   SOLE   535 0 0
NORTHROP GRUMMAN CORP COM 666807102 275 575 SH   SOLE   575 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 215 775 SH   SOLE   775 0 0
COSTCO WHSL CORP NEW COM 22160K105 382 797 SH   SOLE   797 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 251 890 SH   SOLE   890 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 495 911 SH   SOLE   911 0 0
ALPHABET INC CAP STK CL C 02079K107 2,015 921 SH   SOLE   921 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 216 1,187 SH   SOLE   1,187 0 0
TEXAS INSTRS INC COM 882508104 206 1,339 SH   SOLE   1,339 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 318 1,425 SH   SOLE   1,425 0 0
LOCKHEED MARTIN CORP COM 539830109 632 1,469 SH   SOLE   1,469 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 325 1,486 SH   SOLE   1,486 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 312 1,586 SH   SOLE   1,586 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 212 1,611 SH   SOLE   1,611 0 0
LILLY ELI & CO COM 532457108 582 1,796 SH   SOLE   1,796 0 0
ISHARES TR ISHARES BIOTECH 464287556 212 1,800 SH   SOLE   1,800 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 432 1,845 SH   SOLE   1,845 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 336 1,910 SH   SOLE   1,910 0 0
AMGEN INC COM 031162100 499 2,052 SH   SOLE   2,052 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 304 2,100 SH   SOLE   2,100 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 318 2,120 SH   SOLE   2,120 0 0
CIGNA CORP NEW COM 125523100 576 2,185 SH   SOLE   2,185 0 0
AMERICAN EXPRESS CO COM 025816109 305 2,203 SH   SOLE   2,203 0 0
ISHARES TR US AER DEF ETF 464288760 223 2,245 SH   SOLE   2,245 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 298 2,325 SH   SOLE   2,325 0 0
QUALCOMM INC COM 747525103 299 2,340 SH   SOLE   2,340 0 0
BECTON DICKINSON & CO COM 075887109 594 2,410 SH   SOLE   2,410 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 413 2,430 SH   SOLE   2,430 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 423 2,455 SH   SOLE   2,455 0 0
CARMAX INC COM 143130102 228 2,516 SH   SOLE   2,516 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 483 2,560 SH   SOLE   2,560 0 0
SHERWIN WILLIAMS CO COM 824348106 578 2,583 SH   SOLE   2,583 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103 568 2,880 SH   SOLE   2,880 0 0
CONSOLIDATED EDISON INC COM 209115104 281 2,950 SH   SOLE   2,950 0 0
PAYPAL HLDGS INC COM 70450Y103 207 2,960 SH   SOLE   2,960 0 0
ISHARES TR NATIONAL MUN ETF 464288414 331 3,111 SH   SOLE   3,111 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 658 3,131 SH   SOLE   3,131 0 0
MARATHON PETE CORP COM 56585A102 258 3,140 SH   SOLE   3,140 0 0
APPLIED MATLS INC COM 038222105 289 3,180 SH   SOLE   3,180 0 0
EMERSON ELEC CO COM 291011104 254 3,196 SH   SOLE   3,196 0 0
3M CO COM 88579Y101 419 3,238 SH   SOLE   3,238 0 0
ISHARES TR S&P MC 400VL ETF 464287705 308 3,260 SH   SOLE   3,260 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,236 3,261 SH   SOLE   3,261 0 0
CANADIAN NATL RY CO COM 136375102 375 3,335 SH   SOLE   3,335 0 0
DOLLAR TREE INC COM 256746108 537 3,445 SH   SOLE   3,445 0 0
LOWES COS INC COM 548661107 625 3,576 SH   SOLE   3,576 0 0
NIKE INC CL B 654106103 373 3,647 SH   SOLE   3,647 0 0
CINCINNATI FINL CORP COM 172062101 446 3,750 SH   SOLE   3,750 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 712 4,206 SH   SOLE   4,206 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 350 4,223 SH   SOLE   4,223 0 0
ALPHABET INC CAP STK CL A 02079K305 9,478 4,349 SH   SOLE   4,349 0 0
NEXTERA ENERGY INC COM 65339F101 352 4,540 SH   SOLE   4,540 0 0
ELEVANCE HEALTH INC COM 036752103 2,268 4,699 SH   SOLE   4,699 0 0
WELLTOWER INC COM 95040Q104 389 4,719 SH   SOLE   4,719 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 245 4,850 SH   SOLE   4,850 0 0
LINCOLN NATL CORP IND COM 534187109 234 4,998 SH   SOLE   4,998 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 445 5,090 SH   SOLE   5,090 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 626 5,105 SH   SOLE   5,105 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 216 5,275 SH   SOLE   5,275 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 493 5,327 SH   SOLE   5,327 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 386 5,492 SH   SOLE   5,492 0 0
ISHARES TR US CONSUM DISCRE 464287580 312 5,500 SH   SOLE   5,500 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 276 5,519 SH   SOLE   5,519 0 0
AMERICAN ELEC PWR CO INC COM 025537101 555 5,788 SH   SOLE   5,788 0 0
MCDONALDS CORP COM 580135101 1,444 5,850 SH   SOLE   5,850 0 0
ISHARES TR IBOXX INV CP ETF 464287242 655 5,954 SH   SOLE   5,954 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,109 6,076 SH   SOLE   6,076 0 0
ISHARES TR INTRM GOV CR ETF 464288612 645 6,109 SH   SOLE   6,109 0 0
AFLAC INC COM 001055102 348 6,294 SH   SOLE   6,294 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 895 6,337 SH   SOLE   6,337 0 0
ISHARES TR US REGNL BKS ETF 464288778 325 6,600 SH   SOLE   6,600 0 0
AMERICAN TOWER CORP NEW COM 03027X100 1,697 6,639 SH   SOLE   6,639 0 0
MONDELEZ INTL INC CL A 609207105 425 6,852 SH   SOLE   6,852 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 2,536 6,929 SH   SOLE   6,929 0 0
KRAFT HEINZ CO COM 500754106 265 6,939 SH   SOLE   6,939 0 0
GENERAL MLS INC COM 370334104 532 7,050 SH   SOLE   7,050 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 551 7,157 SH   SOLE   7,157 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 394 7,707 SH   SOLE   7,707 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,033 8,124 SH   SOLE   8,124 0 0
V F CORP COM 918204108 378 8,553 SH   SOLE   8,553 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,221 8,881 SH   SOLE   8,881 0 0
UNION PAC CORP COM 907818108 1,901 8,913 SH   SOLE   8,913 0 0
BARNES GROUP INC COM 067806109 319 10,234 SH   SOLE   10,234 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,604 10,391 SH   SOLE   10,391 0 0
SYNOVUS FINL CORP COM NEW 87161C501 375 10,392 SH   SOLE   10,392 0 0
ISHARES TR U.S. MED DVC ETF 464288810 526 10,425 SH   SOLE   10,425 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 357 11,355 SH   SOLE   11,355 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 799 11,390 SH   SOLE   11,390 0 0
META PLATFORMS INC CL A 30303M102 1,855 11,506 SH   SOLE   11,506 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,273 12,673 SH   SOLE   12,673 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 665 12,883 SH   SOLE   12,883 0 0
WELLS FARGO CO NEW COM 949746101 522 13,327 SH   SOLE   13,327 0 0
BOEING CO COM 097023105 1,874 13,708 SH   SOLE   13,708 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,349 14,340 SH   SOLE   14,340 0 0
ALTRIA GROUP INC COM 02209S103 616 14,753 SH   SOLE   14,753 0 0
PHILIP MORRIS INTL INC COM 718172109 1,459 14,780 SH   SOLE   14,780 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 757 15,095 SH   SOLE   15,095 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 774 15,498 SH   SOLE   15,498 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,663 16,355 SH   SOLE   16,355 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,879 17,524 SH   SOLE   17,524 0 0
SCHWAB CHARLES CORP COM 808513105 1,108 17,538 SH   SOLE   17,538 0 0
KIMBERLY-CLARK CORP COM 494368103 2,564 18,975 SH   SOLE   18,975 0 0
ISHARES TR US HLTHCARE ETF 464287762 5,219 19,407 SH   SOLE   19,407 0 0
VENTAS INC COM 92276F100 1,015 19,740 SH   SOLE   19,740 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 5,535 19,749 SH   SOLE   19,749 0 0
CSX CORP COM 126408103 604 20,775 SH   SOLE   20,775 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 930 20,834 SH   SOLE   20,834 0 0
GENERAL MTRS CO COM 37045V100 676 21,271 SH   SOLE   21,271 0 0
ORACLE CORP COM 68389X105 1,559 22,312 SH   SOLE   22,312 0 0
FEDEX CORP COM 31428X106 5,347 23,584 SH   SOLE   23,584 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 931 23,886 SH   SOLE   23,886 0 0
ISHARES TR CORE S&P MCP ETF 464287507 5,417 23,945 SH   SOLE   23,945 0 0
COCA COLA CO COM 191216100 1,675 26,631 SH   SOLE   26,631 0 0
NORFOLK SOUTHN CORP COM 655844108 6,183 27,201 SH   SOLE   27,201 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 1,502 27,845 SH   SOLE   27,845 0 0
STARBUCKS CORP COM 855244109 2,197 28,757 SH   SOLE   28,757 0 0
INTEL CORP COM 458140100 1,129 30,178 SH   SOLE   30,178 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,827 30,587 SH   SOLE   30,587 0 0
MERCK & CO INC COM 58933Y105 3,061 33,573 SH   SOLE   33,573 0 0
HOME DEPOT INC COM 437076102 9,630 35,111 SH   SOLE   35,111 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 9,662 35,389 SH   SOLE   35,389 0 0
ISHARES TR U.S. TECH ETF 464287721 2,880 36,027 SH   SOLE   36,027 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,264 36,231 SH   SOLE   36,231 0 0
HONEYWELL INTL INC COM 438516106 6,298 36,236 SH   SOLE   36,236 0 0
MEDTRONIC PLC SHS G5960L103 3,433 38,252 SH   SOLE   38,252 0 0
AMAZON COM INC COM 023135106 4,157 39,144 SH   SOLE   39,144 0 0
SPDR SER TR S&P DIVID ETF 78464A763 4,661 39,269 SH   SOLE   39,269 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,985 41,744 SH   SOLE   41,744 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 16,041 42,520 SH   SOLE   42,520 0 0
ISHARES TR U.S. FINLS ETF 464287788 2,994 42,784 SH   SOLE   42,784 0 0
SOUTHERN CO COM 842587107 3,139 44,023 SH   SOLE   44,023 0 0
VISA INC COM CL A 92826C839 9,019 45,807 SH   SOLE   45,807 0 0
CHEVRON CORP NEW COM 166764100 6,815 47,074 SH   SOLE   47,074 0 0
AT&T INC COM 00206R102 1,013 48,320 SH   SOLE   48,320 0 0
ABBVIE INC COM 00287Y109 7,648 49,934 SH   SOLE   49,934 0 0
WALMART INC COM 931142103 6,662 54,796 SH   SOLE   54,796 0 0
ABBOTT LABS COM 002824100 6,086 56,015 SH   SOLE   56,015 0 0
DISNEY WALT CO COM 254687106 5,326 56,423 SH   SOLE   56,423 0 0
PFIZER INC COM 717081103 3,150 60,082 SH   SOLE   60,082 0 0
PEPSICO INC COM 713448108 10,151 60,906 SH   SOLE   60,906 0 0
JOHNSON & JOHNSON COM 478160104 11,107 62,571 SH   SOLE   62,571 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 6,016 62,595 SH   SOLE   62,595 0 0
NUVEEN MUN VALUE FD INC COM 670928100 584 65,392 SH   SOLE   65,392 0 0
JPMORGAN CHASE & CO COM 46625H100 7,670 68,113 SH   SOLE   68,113 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 10,119 70,530 SH   SOLE   70,530 0 0
MICROSOFT CORP COM 594918104 19,017 74,044 SH   SOLE   74,044 0 0
ENBRIDGE INC COM 29250N105 3,181 75,274 SH   SOLE   75,274 0 0
DOMINION ENERGY INC COM 25746U109 6,393 80,098 SH   SOLE   80,098 0 0
TRUIST FINL CORP COM 89832Q109 3,916 82,568 SH   SOLE   82,568 0 0
PROCTER AND GAMBLE CO COM 742718109 12,231 85,064 SH   SOLE   85,064 0 0
CVS HEALTH CORP COM 126650100 8,789 94,856 SH   SOLE   94,856 0 0
ISHARES TR PFD AND INCM SEC 464288687 3,174 96,542 SH   SOLE   96,542 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 5,426 110,281 SH   SOLE   110,281 0 0
EXXON MOBIL CORP COM 30231G102 9,597 112,067 SH   SOLE   112,067 0 0
COMCAST CORP NEW CL A 20030N101 4,721 120,317 SH   SOLE   120,317 0 0
APPLE INC COM 037833100 17,916 131,043 SH   SOLE   131,043 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 6,389 131,847 SH   SOLE   131,847 0 0
CISCO SYS INC COM 17275R102 5,624 131,894 SH   SOLE   131,894 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 10,491 137,567 SH   SOLE   137,567 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 4,183 140,715 SH   SOLE   140,715 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 8,511 167,711 SH   SOLE   167,711 0 0
BANK OF THE JAMES FINL GP IN COM 470299108 2,322 178,597 SH   SOLE   178,597 0 0
BK OF AMERICA CORP COM 060505104 6,954 223,391 SH   SOLE   223,391 0 0