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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ANALOG DEVICES INC COM 032654105   201,351 1,018 SH   SOLE   1,018 0 0
EATON CORP PLC SHS G29183103   205,119 656 SH   SOLE   656 0 0
ISHARES TR SELECT DIVID ETF 464287168   206,327 1,675 SH   SOLE   1,675 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   206,495 2,525 SH   SOLE   2,525 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   209,118 1,284 SH   SOLE   1,284 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   210,424 4,194 SH   SOLE   4,194 0 0
US BANCORP DEL COM NEW 902973304   210,806 4,716 SH   SOLE   4,716 0 0
ISHARES TR US REGNL BKS ETF 464288778   211,912 4,885 SH   SOLE   4,625 0 260
GENERAL DYNAMICS CORP COM 369550108   213,563 756 SH   SOLE   756 0 0
CUMMINS INC COM 231021106   215,095 730 SH   SOLE   730 0 0
REPUBLIC SVCS INC COM 760759100   218,434 1,141 SH   SOLE   1,141 0 0
CHUBB LIMITED COM H1467J104   225,703 871 SH   SOLE   871 0 0
TEXAS INSTRS INC COM 882508104   226,125 1,298 SH   SOLE   1,298 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   229,986 5,818 SH   SOLE   5,784 0 34
CONSOLIDATED EDISON INC COM 209115104   240,647 2,650 SH   SOLE   2,650 0 0
POST HLDGS INC COM 737446104   249,758 2,350 SH   SOLE   2,350 0 0
KRAFT HEINZ CO COM 500754106   256,050 6,939 SH   SOLE   6,939 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   256,481 2,859 SH   SOLE   2,859 0 0
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   258,507 1,415 SH   SOLE   1,415 0 0
3M CO COM 88579Y101   268,994 2,536 SH   SOLE   2,536 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   282,084 4,810 SH   SOLE   4,810 0 0
BARNES GROUP INC COM 067806109   284,198 7,650 SH   SOLE   7,650 0 0
ROCKWELL AUTOMATION INC COM 773903109   286,087 982 SH   SOLE   982 0 0
ISHARES TR US AER DEF ETF 464288760   287,608 2,180 SH   SOLE   2,180 0 0
ARCH CAP GROUP LTD ORD G0450A105   293,497 3,175 SH   SOLE   3,175 0 0
ILLINOIS TOOL WKS INC COM 452308109   295,163 1,100 SH   SOLE   1,100 0 0
CONOCOPHILLIPS COM 20825C104   299,108 2,350 SH   SOLE   2,350 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   301,401 1,004 SH   SOLE   1,004 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   305,730 5,925 SH   SOLE   5,725 0 200
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   309,093 6,238 SH   SOLE   6,238 0 0
NORTHROP GRUMMAN CORP COM 666807102   315,916 660 SH   SOLE   660 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   317,860 1,455 SH   SOLE   1,455 0 0
ISHARES TR S&P MC 400VL ETF 464287705   337,127 2,850 SH   SOLE   2,850 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   337,870 1,300 SH   SOLE   1,300 0 0
NEXTERA ENERGY INC COM 65339F101   339,235 5,308 SH   SOLE   5,308 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816   340,207 1,187 SH   SOLE   1,187 0 0
EMERSON ELEC CO COM 291011104   344,684 3,039 SH   SOLE   3,039 0 0
PHILLIPS 66 COM 718546104   345,138 2,113 SH   SOLE   2,113 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100   350,711 839 SH   SOLE   839 0 0
ISHARES TR INTRM GOV CR ETF 464288612   353,221 3,397 SH   SOLE   3,397 0 0
BWX TECHNOLOGIES INC COM 05605H100   360,402 3,512 SH   SOLE   3,512 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   376,280 2,085 SH   SOLE   2,085 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   378,152 1,091 SH   SOLE   1,091 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   379,177 6,992 SH   SOLE   6,992 0 0
VENTAS INC COM 92276F100   379,887 8,725 SH   SOLE   8,725 0 0
NIKE INC CL B 654106103   383,721 4,083 SH   SOLE   4,083 0 0
WELLTOWER INC COM 95040Q104   385,440 4,125 SH   SOLE   3,909 0 216
CATERPILLAR INC COM 149123101   390,248 1,065 SH   SOLE   1,065 0 0
CANADIAN NATL RY CO COM 136375102   399,740 3,035 SH   SOLE   3,035 0 0
PACCAR INC COM 693718108   404,130 3,262 SH   SOLE   3,262 0 0
QUALCOMM INC COM 747525103   406,320 2,400 SH   SOLE   2,400 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   406,786 2,120 SH   SOLE   2,120 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100   412,710 8,385 SH   SOLE   8,385 0 0
SYNOVUS FINL CORP COM NEW 87161C501   416,304 10,392 SH   SOLE   10,392 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   422,700 2,360 SH   SOLE   2,360 0 0
SKYWORKS SOLUTIONS INC COM 83088M102   442,704 4,087 SH   SOLE   4,087 0 0
ISHARES TR US CONSUM DISCRE 464287580   450,835 5,500 SH   SOLE   5,500 0 0
DOLLAR TREE INC COM 256746108   458,702 3,445 SH   SOLE   3,445 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   459,005 5,492 SH   SOLE   5,492 0 0
UNITEDHEALTH GROUP INC COM 91324P102   460,071 930 SH   SOLE   930 0 0
GENERAL MLS INC COM 370334104   461,802 6,600 SH   SOLE   6,600 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   463,855 4,570 SH   SOLE   4,570 0 0
THE CIGNA GROUP COM 125523100   464,884 1,280 SH   SOLE   1,280 0 0
CINCINNATI FINL CORP COM 172062101   465,638 3,750 SH   SOLE   3,750 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   467,399 7,690 SH   SOLE   7,690 0 0
BEST BUY INC COM 086516101   475,774 5,800 SH   SOLE   5,800 0 0
MONDELEZ INTL INC CL A 609207105   479,220 6,846 SH   SOLE   6,846 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   481,880 1,400 SH   SOLE   1,400 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   491,704 846 SH   SOLE   846 0 0
ISHARES TR U.S. MED DVC ETF 464288810   492,742 8,410 SH   SOLE   8,410 0 0
AMERICAN EXPRESS CO COM 025816109   501,602 2,203 SH   SOLE   2,203 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   507,056 2,029 SH   SOLE   2,029 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   518,287 12,305 SH   SOLE   11,855 0 450
VANGUARD INDEX FDS LARGE CAP ETF 922908637   523,377 2,183 SH   SOLE   2,183 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   531,528 1,577 SH   SOLE   1,577 0 0
GENERAL ELECTRIC CO COM NEW 369604301   536,420 3,056 SH   SOLE   3,056 0 0
AFLAC INC COM 001055102   547,616 6,378 SH   SOLE   6,378 0 0
BECTON DICKINSON & CO COM 075887109   549,834 2,222 SH   SOLE   2,222 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   550,951 11,505 SH   SOLE   11,505 0 0
SPDR GOLD TR GOLD SHS 78463V107   606,874 2,950 SH   SOLE   2,950 0 0
COSTCO WHSL CORP NEW COM 22160K105   610,794 834 SH   SOLE   834 0 0
ALTRIA GROUP INC COM 02209S103   619,972 14,213 SH   SOLE   14,213 0 0
MARATHON PETE CORP COM 56585A102   646,412 3,208 SH   SOLE   3,208 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   653,199 7,999 SH   SOLE   7,999 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   656,938 12,866 SH   SOLE   12,866 0 0
LOCKHEED MARTIN CORP COM 539830109   663,656 1,459 SH   SOLE   1,459 0 0
APPLIED MATLS INC COM 038222105   668,392 3,241 SH   SOLE   3,241 0 0
AT&T INC COM 00206R102   673,306 38,256 SH   SOLE   37,624 0 632
VANGUARD STAR FDS VG TL INTL STK F 921909768   680,667 11,288 SH   SOLE   11,088 0 200
VANGUARD INDEX FDS SMALL CP ETF 922908751   685,770 3,000 SH   SOLE   3,000 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   689,422 11,860 SH   SOLE   11,860 0 0
AMERICAN ELEC PWR CO INC COM 025537101   696,318 8,087 SH   SOLE   8,087 0 0
WELLS FARGO CO NEW COM 949746101   725,422 12,516 SH   SOLE   12,472 0 44
SELECT SECTOR SPDR TR INDL 81369Y704   733,340 5,822 SH   SOLE   5,822 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   740,866 5,015 SH   SOLE   5,015 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   744,391 11,339 SH   SOLE   11,339 0 0
AMGEN INC COM 031162100   745,605 2,622 SH   SOLE   2,622 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103   792,000 2,880 SH   SOLE   2,880 0 0
CSX CORP COM 126408103   799,044 21,555 SH   SOLE   19,725 0 1,830
INTEL CORP COM 458140100   803,276 18,186 SH   SOLE   18,186 0 0
UNITED PARCEL SERVICE INC CL B 911312106   838,571 5,642 SH   SOLE   5,432 0 210
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   851,802 11,018 SH   SOLE   11,018 0 0
CAPITAL ONE FINL CORP COM 14040H105   853,885 5,735 SH   SOLE   5,135 0 600
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   923,552 28,870 SH   SOLE   28,870 0 0
NVIDIA CORPORATION COM 67066G104   1,042,709 1,154 SH   SOLE   1,154 0 0
LOWES COS INC COM 548661107   1,051,781 4,129 SH   SOLE   4,129 0 0
SHERWIN WILLIAMS CO COM 824348106   1,153,136 3,320 SH   SOLE   3,320 0 0
INTERDIGITAL INC COM 45867G101   1,176,383 11,050 SH   SOLE   11,050 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   1,260,142 11,434 SH   SOLE   11,302 0 132
ISHARES TR RUSSELL 2000 ETF 464287655   1,305,753 6,209 SH   SOLE   6,209 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   1,312,178 6,871 SH   SOLE   6,571 0 300
PHILIP MORRIS INTL INC COM 718172109   1,322,260 14,432 SH   SOLE   14,432 0 0
AMERICAN TOWER CORP NEW COM 03027X100   1,332,745 6,745 SH   SOLE   6,713 0 32
PFIZER INC COM 717081103   1,364,059 49,155 SH   SOLE   49,155 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,378,917 28,004 SH   SOLE   28,004 0 0
ELI LILLY & CO COM 532457108   1,520,134 1,954 SH   SOLE   1,954 0 0
ISHARES TR PFD AND INCM SEC 464288687   1,572,341 48,785 SH   SOLE   48,485 0 300
COCA COLA CO COM 191216100   1,577,099 25,778 SH   SOLE   25,778 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,585,081 19,688 SH   SOLE   19,688 0 0
BROADCOM INC COM 11135F101   1,587,842 1,198 SH   SOLE   1,198 0 0
MCDONALDS CORP COM 580135101   1,602,040 5,682 SH   SOLE   5,682 0 0
SCHWAB CHARLES CORP COM 808513105   1,604,015 22,173 SH   SOLE   22,173 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   1,610,415 16,652 SH   SOLE   16,652 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,680,387 9,138 SH   SOLE   9,138 0 0
VISA INC COM CL A 92826C839   1,822,951 6,532 SH   SOLE   6,426 0 106
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,875,081 30,214 SH   SOLE   30,214 0 0
MEDTRONIC PLC SHS G5960L103   2,029,637 23,289 SH   SOLE   23,129 0 160
DOMINION ENERGY INC COM 25746U109   2,120,286 43,104 SH   SOLE   42,572 0 532
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,182,878 10,481 SH   SOLE   10,481 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,242,239 4,265 SH   SOLE   4,265 0 0
UNION PAC CORP COM 907818108   2,282,723 9,282 SH   SOLE   9,282 0 0
SHELL PLC SPON ADS 780259305   2,284,657 34,079 SH   SOLE   34,079 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   2,285,874 16,633 SH   SOLE   16,633 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   2,325,080 9,310 SH   SOLE   8,510 0 800
KIMBERLY-CLARK CORP COM 494368103   2,329,853 18,012 SH   SOLE   18,012 0 0
ISHARES TR CORE US AGGBD ET 464287226   2,355,164 24,047 SH   SOLE   23,747 0 300
ELEVANCE HEALTH INC COM 036752103   2,395,655 4,620 SH   SOLE   4,596 0 24
ENBRIDGE INC COM 29250N105   2,535,459 70,079 SH   SOLE   70,079 0 0
BANK OF THE JAMES FINL GP IN COM 470299108   2,631,060 253,963 SH   SOLE   253,963 0 0
SOUTHERN CO COM 842587107   2,642,543 36,835 SH   SOLE   36,385 0 450
ALPHABET INC CAP STK CL C 02079K107   2,766,565 18,170 SH   SOLE   18,170 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,896,603 36,271 SH   SOLE   36,271 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   3,059,670 18,065 SH   SOLE   18,065 0 0
STARBUCKS CORP COM 855244109   3,190,425 34,910 SH   SOLE   34,910 0 0
TRUIST FINL CORP COM 89832Q109   3,266,563 83,801 SH   SOLE   82,358 0 1,443
BOEING CO COM 097023105   3,556,227 18,427 SH   SOLE   18,327 0 100
ISHARES TR U.S. FINLS ETF 464287788   3,578,937 37,417 SH   SOLE   37,417 0 0
ISHARES TR CORE S&P SCP ETF 464287804   3,736,950 33,812 SH   SOLE   33,812 0 0
ORACLE CORP COM 68389X105   3,750,338 29,857 SH   SOLE   29,857 0 0
ADOBE INC COM 00724F101   3,860,695 7,651 SH   SOLE   7,651 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   3,936,897 41,700 SH   SOLE   41,625 0 75
META PLATFORMS INC CL A 30303M102   4,092,959 8,429 SH   SOLE   8,429 0 0
MERCK & CO INC COM 58933Y105   4,443,530 33,676 SH   SOLE   33,676 0 0
ISHARES TR U.S. TECH ETF 464287721   4,540,177 33,616 SH   SOLE   33,616 0 0
SPDR SER TR S&P DIVID ETF 78464A763   4,815,459 36,692 SH   SOLE   36,692 0 0
COMCAST CORP NEW CL A 20030N101   4,908,310 113,225 SH   SOLE   112,779 0 446
ISHARES TR US HLTHCARE ETF 464287762   5,075,491 81,995 SH   SOLE   81,165 0 830
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,629,014 11,710 SH   SOLE   11,710 0 0
RTX CORPORATION COM 75513E101   6,307,266 64,670 SH   SOLE   64,340 0 330
VERIZON COMMUNICATIONS INC COM 92343V104   6,629,739 158,001 SH   SOLE   157,037 0 964
DISNEY WALT CO COM 254687106   6,642,191 54,284 SH   SOLE   53,917 0 367
CISCO SYS INC COM 17275R102   6,794,457 136,134 SH   SOLE   135,602 0 532
FEDEX CORP COM 31428X106   6,896,971 23,804 SH   SOLE   23,804 0 0
NORFOLK SOUTHN CORP COM 655844108   6,931,700 27,197 SH   SOLE   27,131 0 66
ABBOTT LABS COM 002824100   6,974,633 61,364 SH   SOLE   60,882 0 482
ISHARES TR CORE S&P MCP ETF 464287507   7,556,165 124,402 SH   SOLE   124,402 0 0
HONEYWELL INTL INC COM 438516106   7,637,558 37,211 SH   SOLE   36,945 0 266
CHEVRON CORP NEW COM 166764100   7,797,877 49,435 SH   SOLE   49,153 0 282
CVS HEALTH CORP COM 126650100   8,167,584 102,402 SH   SOLE   101,545 0 857
AMAZON COM INC COM 023135106   8,750,234 48,510 SH   SOLE   48,418 0 92
INVESCO QQQ TR UNIT SER 1 46090E103   8,752,326 19,712 SH   SOLE   19,612 0 100
ABBVIE INC COM 00287Y109   9,062,025 49,764 SH   SOLE   49,564 0 200
BANK AMERICA CORP COM 060505104   9,461,334 249,508 SH   SOLE   237,112 0 12,396
WALMART INC COM 931142103   10,196,029 169,454 SH   SOLE   169,004 0 450
JOHNSON & JOHNSON COM 478160104   10,324,205 65,265 SH   SOLE   65,265 0 0
PEPSICO INC COM 713448108   10,981,178 62,746 SH   SOLE   62,416 0 330
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   12,662,830 69,344 SH   SOLE   69,114 0 230
ALPHABET INC CAP STK CL A 02079K305   13,745,950 91,075 SH   SOLE   91,075 0 0
EXXON MOBIL CORP COM 30231G102   13,774,457 118,500 SH   SOLE   116,566 0 1,934
HOME DEPOT INC COM 437076102   13,843,833 36,089 SH   SOLE   35,979 0 110
JPMORGAN CHASE & CO COM 46625H100   14,056,053 70,175 SH   SOLE   69,845 0 330
PROCTER AND GAMBLE CO COM 742718109   14,246,848 87,808 SH   SOLE   87,342 0 466
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   14,862,859 35,344 SH   SOLE   35,244 0 100
APPLE INC COM 037833100   22,475,884 131,070 SH   SOLE   130,544 0 526
SPDR S&P 500 ETF TR TR UNIT 78462F103   22,982,127 43,937 SH   SOLE   43,937 0 0
MICROSOFT CORP COM 594918104   31,854,315 75,714 SH   SOLE   75,187 0 527