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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
EATON CORP PLC SHS G29183103   202,786 746 SH   SOLE   746 0 0
ISHARES TR US INDUSTRIALS 464287754   204,383 1,570 SH   SOLE   1,570 0 0
GENERAL DYNAMICS CORP COM 369550108   206,071 756 SH   SOLE   756 0 0
GE VERNOVA INC COM 36828A101   208,812 684 SH   SOLE   684 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   208,894 2,525 SH   SOLE   2,525 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   211,260 4,156 SH   SOLE   4,156 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   215,863 5,158 SH   SOLE   5,124 0 34
QUALCOMM INC COM 747525103   221,353 1,441 SH   SOLE   1,441 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   221,934 9,400 SH   SOLE   9,400 0 0
BANK NEW YORK MELLON CORP COM 064058100   222,843 2,657 SH   SOLE   2,657 0 0
BLACKROCK INC COM 09290D101   223,370 236 SH   SOLE   236 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   226,242 4,538 SH   SOLE   4,538 0 0
CUMMINS INC COM 231021106   228,812 730 SH   SOLE   730 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103   229,806 680 SH   SOLE   680 0 0
TEXAS INSTRS INC COM 882508104   230,016 1,280 SH   SOLE   1,280 0 0
PHILLIPS 66 COM 718546104   230,044 1,863 SH   SOLE   1,863 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   230,309 1,333 SH   SOLE   1,333 0 0
KINDER MORGAN INC DEL COM 49456B101   230,437 8,077 SH   SOLE   8,077 0 0
CONOCOPHILLIPS COM 20825C104   232,515 2,214 SH   SOLE   2,214 0 0
LABCORP HOLDINGS INC COM SHS 504922105   233,904 1,005 SH   SOLE   1,005 0 0
ANALOG DEVICES INC COM 032654105   246,845 1,224 SH   SOLE   1,224 0 0
ATLANTIC UN BANKSHARES CORP COM 04911A107   249,899 8,025 SH   SOLE   6,564 0 1,461
ROCKWELL AUTOMATION INC COM 773903109   253,730 982 SH   SOLE   982 0 0
UNITEDHEALTH GROUP INC COM 91324P102   254,543 486 SH   SOLE   486 0 0
NIKE INC CL B 654106103   257,221 4,052 SH   SOLE   4,052 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   257,937 4,190 SH   SOLE   4,190 0 0
FISERV INC COM 337738108   264,996 1,200 SH   SOLE   1,200 0 0
CANADIAN NATL RY CO COM 136375102   267,041 2,740 SH   SOLE   2,740 0 0
REPUBLIC SVCS INC COM 760759100   272,430 1,125 SH   SOLE   1,125 0 0
ILLINOIS TOOL WKS INC COM 452308109   272,811 1,100 SH   SOLE   1,100 0 0
NORTHROP GRUMMAN CORP COM 666807102   284,166 555 SH   SOLE   555 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   296,076 4,881 SH   SOLE   4,881 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   296,738 5,650 SH   SOLE   5,650 0 0
THE CIGNA GROUP COM 125523100   297,745 905 SH   SOLE   905 0 0
ISHARES TR S&P MC 400VL ETF 464287705   299,325 2,500 SH   SOLE   2,500 0 0
NEXTERA ENERGY INC COM 65339F101   305,395 4,308 SH   SOLE   4,308 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   306,719 5,029 SH   SOLE   5,029 0 0
3M CO COM 88579Y101   322,799 2,198 SH   SOLE   2,198 0 0
PACCAR INC COM 693718108   326,385 3,352 SH   SOLE   3,352 0 0
EMERSON ELEC CO COM 291011104   328,153 2,993 SH   SOLE   2,993 0 0
ISHARES TR US AER DEF ETF 464288760   329,931 2,155 SH   SOLE   2,155 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   339,500 1,088 SH   SOLE   1,088 0 0
MONDELEZ INTL INC CL A 609207105   349,021 5,144 SH   SOLE   5,144 0 0
CATERPILLAR INC COM 149123101   351,237 1,065 SH   SOLE   1,065 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816   366,641 1,187 SH   SOLE   1,187 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   375,329 1,114 SH   SOLE   1,114 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   384,958 2,090 SH   SOLE   2,090 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   394,935 2,120 SH   SOLE   2,120 0 0
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   395,691 2,050 SH   SOLE   2,050 0 0
BWX TECHNOLOGIES INC COM 05605H100   395,784 4,012 SH   SOLE   4,012 0 0
ISHARES TR INTRM GOV CR ETF 464288612   396,621 3,741 SH   SOLE   3,741 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100   406,766 8,090 SH   SOLE   8,090 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   427,439 859 SH   SOLE   859 0 0
VENTAS INC COM 92276F100   429,750 6,250 SH   SOLE   6,250 0 0
AMERICAN EXPRESS CO COM 025816109   431,288 1,603 SH   SOLE   1,603 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   441,051 4,570 SH   SOLE   4,570 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   444,058 2,360 SH   SOLE   2,360 0 0
UNITED PARCEL SERVICE INC CL B 911312106   446,340 4,058 SH   SOLE   4,058 0 0
BEST BUY INC COM 086516101   453,953 6,167 SH   SOLE   6,167 0 0
GENERAL MLS INC COM 370334104   454,464 7,601 SH   SOLE   7,601 0 0
ISHARES TR U.S. MED DVC ETF 464288810   455,037 7,560 SH   SOLE   7,560 0 0
LOCKHEED MARTIN CORP COM 539830109   477,533 1,069 SH   SOLE   1,069 0 0
SYNOVUS FINL CORP COM NEW 87161C501   485,723 10,392 SH   SOLE   10,392 0 0
ISHARES TR US CONSUM DISCRE 464287580   485,788 5,500 SH   SOLE   5,500 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   498,500 1,928 SH   SOLE   1,928 0 0
APPLIED MATLS INC COM 038222105   499,939 3,445 SH   SOLE   3,445 0 0
BECTON DICKINSON & CO COM 075887109   501,184 2,188 SH   SOLE   2,188 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   503,132 10,083 SH   SOLE   10,083 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   512,021 5,467 SH   SOLE   5,467 0 0
WELLTOWER INC COM 95040Q104   516,931 3,374 SH   SOLE   3,374 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   519,148 1,400 SH   SOLE   1,400 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   535,018 2,082 SH   SOLE   2,082 0 0
CINCINNATI FINL CORP COM 172062101   553,950 3,750 SH   SOLE   3,750 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   560,540 1,335 SH   SOLE   1,335 0 0
GE AEROSPACE COM NEW 369604301   562,022 2,808 SH   SOLE   2,808 0 0
CSX CORP COM 126408103   567,264 19,275 SH   SOLE   19,275 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   567,995 1,573 SH   SOLE   1,573 0 0
ALTRIA GROUP INC COM 02209S103   596,719 9,942 SH   SOLE   9,942 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   598,102 11,716 SH   SOLE   11,716 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   628,763 10,125 SH   SOLE   10,125 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   641,553 12,880 SH   SOLE   12,630 0 250
CAPITAL ONE FINL CORP COM 14040H105   651,756 3,635 SH   SOLE   3,035 0 600
VANGUARD INDEX FDS SMALL CP ETF 922908751   666,259 3,005 SH   SOLE   3,005 0 0
AMERICAN ELEC PWR CO INC COM 025537101   666,678 6,101 SH   SOLE   6,101 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   705,263 2,760 SH   SOLE   2,760 0 0
AMGEN INC COM 031162100   721,368 2,315 SH   SOLE   2,315 0 0
PFIZER INC COM 717081103   726,403 28,666 SH   SOLE   28,666 0 0
ISHARES TR RUS MD CP GR ETF 464287481   750,057 6,384 SH   SOLE   6,384 0 0
HERSHEY CO COM 427866108   754,243 4,410 SH   SOLE   4,410 0 0
WELLS FARGO CO NEW COM 949746101   759,144 10,575 SH   SOLE   10,531 0 44
SELECT SECTOR SPDR TR INDL 81369Y704   766,367 5,847 SH   SOLE   5,847 0 0
COSTCO WHSL CORP NEW COM 22160K105   803,629 850 SH   SOLE   850 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   838,828 5,745 SH   SOLE   5,745 0 0
AFLAC INC COM 001055102   842,821 7,580 SH   SOLE   7,580 0 0
SPDR GOLD TR GOLD SHS 78463V107   850,013 2,950 SH   SOLE   2,950 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   852,789 10,803 SH   SOLE   10,803 0 0
UNITED RENTALS INC COM 911363109   857,326 1,368 SH   SOLE   1,368 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   898,818 9,319 SH   SOLE   9,319 0 0
AT&T INC COM 00206R102   912,002 32,249 SH   SOLE   32,249 0 0
LOWES COS INC COM 548661107   924,991 3,966 SH   SOLE   3,966 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   947,704 14,948 SH   SOLE   14,948 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   954,930 1,790 SH   SOLE   1,790 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,021,248 12,952 SH   SOLE   12,952 0 0
DOMINION ENERGY INC COM 25746U109   1,182,349 21,087 SH   SOLE   21,087 0 0
ISHARES TR SELECT DIVID ETF 464287168   1,217,205 9,064 SH   SOLE   9,064 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   1,253,714 10,351 SH   SOLE   10,351 0 0
BOEING CO COM 097023105   1,296,522 7,602 SH   SOLE   7,602 0 0
AMERICAN TOWER CORP NEW COM 03027X100   1,335,629 6,138 SH   SOLE   6,138 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   1,340,237 39,131 SH   SOLE   39,131 0 0
ISHARES TR PFD AND INCM SEC 464288687   1,361,339 44,300 SH   SOLE   44,300 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,361,471 58,108 SH   SOLE   58,108 0 0
INTERDIGITAL INC COM 45867G101   1,364,550 6,600 SH   SOLE   6,600 0 0
PHILIP MORRIS INTL INC COM 718172109   1,489,205 9,382 SH   SOLE   9,382 0 0
UBER TECHNOLOGIES INC COM 90353T100   1,540,261 21,140 SH   SOLE   21,140 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   1,558,217 7,811 SH   SOLE   7,811 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   1,620,636 6,517 SH   SOLE   6,217 0 300
SHERWIN WILLIAMS CO COM 824348106   1,630,718 4,670 SH   SOLE   4,670 0 0
ELI LILLY & CO COM 532457108   1,633,650 1,978 SH   SOLE   1,978 0 0
COCA COLA CO COM 191216100   1,697,609 23,703 SH   SOLE   23,703 0 0
MCDONALDS CORP COM 580135101   1,710,851 5,477 SH   SOLE   5,477 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   1,718,192 14,087 SH   SOLE   14,087 0 0
ELEVANCE HEALTH INC COM 036752103   1,735,926 3,991 SH   SOLE   3,991 0 0
MEDTRONIC PLC SHS G5960L103   1,799,088 20,021 SH   SOLE   20,021 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,809,479 81,951 SH   SOLE   81,951 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,839,028 22,493 SH   SOLE   22,493 0 0
SCHWAB CHARLES CORP COM 808513105   1,853,692 23,680 SH   SOLE   23,680 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,901,343 9,629 SH   SOLE   9,629 0 0
UNION PAC CORP COM 907818108   2,179,078 9,224 SH   SOLE   9,224 0 0
NVIDIA CORPORATION COM 67066G104   2,313,372 21,345 SH   SOLE   21,345 0 0
VISA INC COM CL A 92826C839   2,329,158 6,646 SH   SOLE   6,646 0 0
KIMBERLY-CLARK CORP COM 494368103   2,350,186 16,525 SH   SOLE   16,525 0 0
ENBRIDGE INC COM 29250N105   2,428,056 54,797 SH   SOLE   54,797 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,440,388 11,819 SH   SOLE   11,819 0 0
ISHARES TR CORE US AGGBD ET 464287226   2,540,464 25,682 SH   SOLE   25,682 0 0
SHELL PLC SPON ADS 780259305   2,550,291 34,802 SH   SOLE   34,802 0 0
ALPHABET INC CAP STK CL C 02079K107   2,588,321 16,567 SH   SOLE   16,567 0 0
MERCK & CO INC COM 58933Y105   2,616,941 29,155 SH   SOLE   29,155 0 0
TRUIST FINL CORP COM 89832Q109   2,770,712 67,332 SH   SOLE   66,089 0 1,243
ISHARES TR CORE S&P500 ETF 464287200   2,881,424 5,128 SH   SOLE   5,128 0 0
COMCAST CORP NEW CL A 20030N101   2,940,198 79,680 SH   SOLE   79,680 0 0
SOUTHERN CO COM 842587107   2,955,733 32,145 SH   SOLE   32,095 0 50
INTERCONTINENTAL EXCHANGE IN COM 45866F104   3,030,480 17,568 SH   SOLE   17,568 0 0
BROADCOM INC COM 11135F101   3,041,869 18,168 SH   SOLE   18,168 0 0
ISHARES TR MSCI EAFE ETF 464287465   3,112,197 38,079 SH   SOLE   38,079 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   3,193,767 4 SH   SOLE   4 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,238,440 11,783 SH   SOLE   11,783 0 0
STARBUCKS CORP COM 855244109   3,270,125 33,338 SH   SOLE   33,338 0 0
ADOBE INC COM 00724F101   3,336,711 8,700 SH   SOLE   8,700 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   3,745,187 12,258 SH   SOLE   11,458 0 800
BANK OF THE JAMES FINL GP IN COM 470299108   3,799,137 257,046 SH   SOLE   257,046 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   3,928,545 42,039 SH   SOLE   41,964 0 75
ISHARES TR U.S. FINLS ETF 464287788   3,944,672 34,955 SH   SOLE   34,955 0 0
CVS HEALTH CORP COM 126650100   4,344,672 64,128 SH   SOLE   63,503 0 625
ORACLE CORP COM 68389X105   4,400,241 31,473 SH   SOLE   31,473 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   4,458,421 25,737 SH   SOLE   25,737 0 0
ISHARES TR U.S. TECH ETF 464287721   4,581,855 32,625 SH   SOLE   32,625 0 0
ISHARES TR US HLTHCARE ETF 464287762   4,609,982 75,710 SH   SOLE   75,710 0 0
SPDR SER TR S&P DIVID ETF 78464A763   4,785,705 35,272 SH   SOLE   35,272 0 0
DISNEY WALT CO COM 254687106   4,889,500 49,539 SH   SOLE   49,364 0 175
ISHARES TR CORE S&P SCP ETF 464287804   4,921,109 47,060 SH   SOLE   47,060 0 0
META PLATFORMS INC CL A 30303M102   5,274,853 9,152 SH   SOLE   9,152 0 0
FEDEX CORP COM 31428X106   5,830,487 23,917 SH   SOLE   23,917 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   6,088,238 134,220 SH   SOLE   133,970 0 250
NORFOLK SOUTHN CORP COM 655844108   6,269,657 26,471 SH   SOLE   26,471 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,484,534 12,618 SH   SOLE   12,618 0 0
HONEYWELL INTL INC COM 438516106   7,499,338 35,416 SH   SOLE   35,416 0 0
ISHARES TR CORE S&P MCP ETF 464287507   7,701,597 131,990 SH   SOLE   131,990 0 0
CISCO SYS INC COM 17275R102   7,762,574 125,791 SH   SOLE   125,791 0 0
ABBOTT LABS COM 002824100   7,821,310 58,962 SH   SOLE   58,962 0 0
CHEVRON CORP NEW COM 166764100   7,896,925 47,205 SH   SOLE   47,205 0 0
RTX CORPORATION COM 75513E101   8,288,420 62,573 SH   SOLE   62,573 0 0
PEPSICO INC COM 713448108   8,977,358 59,873 SH   SOLE   59,873 0 0
AMAZON COM INC COM 023135106   9,481,988 49,837 SH   SOLE   49,837 0 0
BANK AMERICA CORP COM 060505104   9,500,703 227,671 SH   SOLE   225,775 0 1,896
JOHNSON & JOHNSON COM 478160104   9,715,834 58,586 SH   SOLE   58,586 0 0
ABBVIE INC COM 00287Y109   9,777,251 46,665 SH   SOLE   46,665 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   11,291,125 24,079 SH   SOLE   24,079 0 0
EXXON MOBIL CORP COM 30231G102   12,640,460 106,285 SH   SOLE   104,877 0 1,408
HOME DEPOT INC COM 437076102   12,987,587 35,438 SH   SOLE   35,438 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   12,992,204 66,974 SH   SOLE   66,974 0 0
WALMART INC COM 931142103   13,587,319 154,771 SH   SOLE   154,771 0 0
ALPHABET INC CAP STK CL A 02079K305   13,868,116 89,680 SH   SOLE   89,680 0 0
PROCTER AND GAMBLE CO COM 742718109   13,963,534 81,936 SH   SOLE   81,936 0 0
JPMORGAN CHASE & CO. COM 46625H100   15,796,585 64,397 SH   SOLE   64,397 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   17,132,034 32,168 SH   SOLE   32,168 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   25,092,558 44,857 SH   SOLE   44,857 0 0
MICROSOFT CORP COM 594918104   25,836,147 68,825 SH   SOLE   68,650 0 175
APPLE INC COM 037833100   27,137,845 122,171 SH   SOLE   122,171 0 0