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
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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
LXP INDUSTRIAL TRUST COM 529043101   83,683 10,131 SH   SOLE   10,131 0 0
DARDEN RESTAURANTS INC COM 237194105   202,059 927 SH   SOLE   927 0 0
FISERV INC COM 337738108   206,892 1,200 SH   SOLE   1,200 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103   208,420 680 SH   SOLE   680 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   208,509 5,034 SH   SOLE   5,034 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   209,222 2,525 SH   SOLE   2,525 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   209,875 3,495 SH   SOLE   3,495 0 0
ISHARES TR US REGNL BKS ETF 464288778   211,827 4,275 SH   SOLE   4,275 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   218,906 4,729 SH   SOLE   4,729 0 0
MARKEL GROUP INC COM 570535104   219,710 110 SH   SOLE   110 0 0
GENERAL DYNAMICS CORP COM 369550108   220,495 756 SH   SOLE   756 0 0
PHILLIPS 66 COM 718546104   222,256 1,863 SH   SOLE   1,863 0 0
MARATHON PETE CORP COM 56585A102   222,588 1,340 SH   SOLE   1,340 0 0
ISHARES TR US INDUSTRIALS 464287754   223,427 1,570 SH   SOLE   1,570 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   226,288 4,538 SH   SOLE   4,538 0 0
QUALCOMM INC COM 747525103   229,494 1,441 SH   SOLE   1,441 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   235,642 1,333 SH   SOLE   1,333 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   236,946 4,156 SH   SOLE   4,156 0 0
CUMMINS INC COM 231021106   237,438 725 SH   SOLE   725 0 0
KINDER MORGAN INC DEL COM 49456B101   237,464 8,077 SH   SOLE   8,077 0 0
BANK NEW YORK MELLON CORP COM 064058100   242,080 2,657 SH   SOLE   2,657 0 0
BLACKROCK INC COM 09290D101   245,525 234 SH   SOLE   234 0 0
ATLANTIC UN BANKSHARES CORP COM 04911A107   251,022 8,025 SH   SOLE   6,564 0 1,461
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   255,830 10,425 SH   SOLE   10,425 0 0
REPUBLIC SVCS INC COM 760759100   255,982 1,038 SH   SOLE   1,038 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   258,199 1,140 SH   SOLE   1,140 0 0
JOHNSON CTLS INTL PLC SHS G51502105   262,677 2,487 SH   SOLE   2,487 0 0
LABCORP HOLDINGS INC COM SHS 504922105   263,823 1,005 SH   SOLE   1,005 0 0
TEXAS INSTRS INC COM 882508104   265,754 1,280 SH   SOLE   1,280 0 0
NETFLIX INC COM 64110L106   270,505 202 SH   SOLE   202 0 0
ILLINOIS TOOL WKS INC COM 452308109   271,975 1,100 SH   SOLE   1,100 0 0
CANADIAN NATL RY CO COM 136375102   274,666 2,640 SH   SOLE   2,640 0 0
NORTHROP GRUMMAN CORP COM 666807102   277,489 555 SH   SOLE   555 0 0
NEXTERA ENERGY INC COM 65339F101   279,347 4,024 SH   SOLE   4,024 0 0
NIKE INC CL B 654106103   281,674 3,965 SH   SOLE   3,965 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   286,219 4,165 SH   SOLE   4,165 0 0
ISHARES TR RUS MID CAP ETF 464287499   289,614 3,149 SH   SOLE   3,149 0 0
ANALOG DEVICES INC COM 032654105   291,337 1,224 SH   SOLE   1,224 0 0
THE CIGNA GROUP COM 125523100   299,175 905 SH   SOLE   905 0 0
ISHARES TR S&P MC 400VL ETF 464287705   308,950 2,500 SH   SOLE   2,500 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   309,082 5,800 SH   SOLE   5,800 0 0
PACCAR INC COM 693718108   311,987 3,282 SH   SOLE   3,282 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   325,193 1,088 SH   SOLE   1,088 0 0
ROCKWELL AUTOMATION INC COM 773903109   326,191 982 SH   SOLE   982 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   329,209 4,897 SH   SOLE   4,897 0 0
3M CO COM 88579Y101   334,167 2,195 SH   SOLE   2,195 0 0
MONDELEZ INTL INC CL A 609207105   346,912 5,144 SH   SOLE   5,144 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   348,291 859 SH   SOLE   859 0 0
GE VERNOVA INC COM 36828A101   361,939 684 SH   SOLE   684 0 0
UNITED PARCEL SERVICE INC CL B 911312106   365,100 3,617 SH   SOLE   3,617 0 0
GENERAL MLS INC COM 370334104   367,903 7,101 SH   SOLE   7,101 0 0
BEST BUY INC COM 086516101   376,197 5,604 SH   SOLE   5,604 0 0
BECTON DICKINSON & CO COM 075887109   376,883 2,188 SH   SOLE   2,188 0 0
VENTAS INC COM 92276F100   394,688 6,250 SH   SOLE   6,250 0 0
EMERSON ELEC CO COM 291011104   399,057 2,993 SH   SOLE   2,993 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   399,122 2,115 SH   SOLE   2,115 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100   409,274 8,090 SH   SOLE   8,090 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   413,422 2,120 SH   SOLE   2,120 0 0
CATERPILLAR INC COM 149123101   413,444 1,065 SH   SOLE   1,065 0 0
ISHARES TR INTRM GOV CR ETF 464288612   417,122 3,906 SH   SOLE   3,906 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816   434,644 1,187 SH   SOLE   1,187 0 0
EATON CORP PLC SHS G29183103   449,808 1,260 SH   SOLE   1,260 0 0
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   450,794 1,985 SH   SOLE   1,985 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   458,383 2,360 SH   SOLE   2,360 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   462,622 4,570 SH   SOLE   4,570 0 0
ISHARES TR U.S. MED DVC ETF 464288810   471,993 7,535 SH   SOLE   7,535 0 0
ISHARES TR US AER DEF ETF 464288760   478,203 2,535 SH   SOLE   2,535 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   487,275 1,114 SH   SOLE   1,114 0 0
LOCKHEED MARTIN CORP COM 539830109   495,097 1,069 SH   SOLE   1,069 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   507,121 10,088 SH   SOLE   10,088 0 0
AMERICAN EXPRESS CO COM 025816109   511,325 1,603 SH   SOLE   1,603 0 0
WELLTOWER INC COM 95040Q104   512,536 3,334 SH   SOLE   3,334 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   513,169 5,467 SH   SOLE   5,467 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   523,992 1,873 SH   SOLE   1,873 0 0
SYNOVUS FINL CORP COM NEW 87161C501   537,786 10,392 SH   SOLE   10,392 0 0
ISHARES TR US CONSUM DISCRE 464287580   548,020 5,500 SH   SOLE   5,500 0 0
CINCINNATI FINL CORP COM 172062101   558,450 3,750 SH   SOLE   3,750 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   568,414 11,141 SH   SOLE   11,141 0 0
ALTRIA GROUP INC COM 02209S103   569,825 9,719 SH   SOLE   9,719 0 0
BWX TECHNOLOGIES INC COM 05605H100   577,969 4,012 SH   SOLE   4,012 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   588,268 1,335 SH   SOLE   1,335 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   593,863 2,082 SH   SOLE   2,082 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   613,760 1,400 SH   SOLE   1,400 0 0
AMGEN INC COM 031162100   627,222 2,246 SH   SOLE   2,246 0 0
CSX CORP COM 126408103   627,312 19,225 SH   SOLE   19,225 0 0
APPLIED MATLS INC COM 038222105   630,677 3,445 SH   SOLE   3,445 0 0
AMERICAN ELEC PWR CO INC COM 025537101   633,427 6,105 SH   SOLE   6,105 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   667,865 1,573 SH   SOLE   1,573 0 0
PFIZER INC COM 717081103   673,661 27,791 SH   SOLE   27,791 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   684,843 13,077 SH   SOLE   13,077 0 0
ISHARES TR MSCI ACWI ETF 464288257   695,083 5,405 SH   SOLE   5,405 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   697,800 2,945 SH   SOLE   2,945 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   709,900 10,275 SH   SOLE   10,275 0 0
GE AEROSPACE COM NEW 369604301   729,186 2,833 SH   SOLE   2,833 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   741,885 5,504 SH   SOLE   5,504 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   788,974 2,760 SH   SOLE   2,760 0 0
AFLAC INC COM 001055102   799,387 7,580 SH   SOLE   7,580 0 0
CAPITAL ONE FINL CORP COM 14040H105   816,148 3,836 SH   SOLE   3,236 0 600
HERSHEY CO COM 427866108   835,559 5,035 SH   SOLE   5,035 0 0
COSTCO WHSL CORP NEW COM 22160K105   841,152 850 SH   SOLE   850 0 0
ISHARES TR RUS MD CP GR ETF 464287481   842,343 6,074 SH   SOLE   6,074 0 0
WELLS FARGO CO NEW COM 949746101   844,273 10,538 SH   SOLE   10,494 0 44
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   858,839 10,803 SH   SOLE   10,803 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   878,482 5,955 SH   SOLE   5,955 0 0
LOWES COS INC COM 548661107   879,937 3,966 SH   SOLE   3,966 0 0
AT&T INC COM 00206R102   921,334 31,836 SH   SOLE   31,836 0 0
SPDR GOLD TR GOLD SHS 78463V107   940,401 3,085 SH   SOLE   3,085 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,014,000 1,790 SH   SOLE   1,790 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,037,228 12,702 SH   SOLE   12,702 0 0
DOMINION ENERGY INC COM 25746U109   1,127,744 19,953 SH   SOLE   19,953 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,134,790 10,456 SH   SOLE   10,456 0 0
UNITED RENTALS INC COM 911363109   1,148,935 1,525 SH   SOLE   1,525 0 0
ISHARES TR SELECT DIVID ETF 464287168   1,203,790 9,064 SH   SOLE   9,064 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   1,204,039 10,276 SH   SOLE   10,276 0 0
AMERICAN TOWER CORP NEW COM 03027X100   1,331,204 6,023 SH   SOLE   6,023 0 0
ISHARES TR PFD AND INCM SEC 464288687   1,347,619 43,925 SH   SOLE   43,925 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   1,406,127 19,212 SH   SOLE   19,212 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,457,483 57,608 SH   SOLE   57,608 0 0
INTERDIGITAL INC COM 45867G101   1,457,495 6,500 SH   SOLE   6,500 0 0
BOEING CO COM 097023105   1,515,950 7,235 SH   SOLE   7,235 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   1,541,083 37,911 SH   SOLE   37,911 0 0
ELI LILLY & CO COM 532457108   1,546,588 1,984 SH   SOLE   1,984 0 0
MCDONALDS CORP COM 580135101   1,594,372 5,457 SH   SOLE   5,457 0 0
MEDTRONIC PLC SHS G5960L103   1,624,675 18,638 SH   SOLE   18,638 0 0
COCA COLA CO COM 191216100   1,674,158 23,663 SH   SOLE   23,663 0 0
ELEVANCE HEALTH INC COM 036752103   1,674,473 4,305 SH   SOLE   4,305 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   1,709,466 14,487 SH   SOLE   14,487 0 0
PHILIP MORRIS INTL INC COM 718172109   1,716,394 9,424 SH   SOLE   9,424 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   1,722,005 7,980 SH   SOLE   7,980 0 0
SHERWIN WILLIAMS CO COM 824348106   1,725,728 5,026 SH   SOLE   5,026 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   1,921,222 6,517 SH   SOLE   6,217 0 300
KIMBERLY-CLARK CORP COM 494368103   1,966,030 15,250 SH   SOLE   15,250 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,997,628 81,736 SH   SOLE   81,736 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,091,575 25,224 SH   SOLE   25,224 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,133,529 9,817 SH   SOLE   9,817 0 0
UNION PAC CORP COM 907818108   2,171,726 9,439 SH   SOLE   9,439 0 0
ENBRIDGE INC COM 29250N105   2,210,348 48,772 SH   SOLE   48,772 0 0
UBER TECHNOLOGIES INC COM 90353T100   2,259,260 24,215 SH   SOLE   24,215 0 0
SCHWAB CHARLES CORP COM 808513105   2,261,956 24,791 SH   SOLE   24,791 0 0
MERCK & CO INC COM 58933Y105   2,297,529 29,024 SH   SOLE   29,024 0 0
VISA INC COM CL A 92826C839   2,357,532 6,640 SH   SOLE   6,640 0 0
COMCAST CORP NEW CL A 20030N101   2,401,550 67,289 SH   SOLE   67,289 0 0
SHELL PLC SPON ADS 780259305   2,418,725 34,352 SH   SOLE   34,352 0 0
ISHARES TR CORE US AGGBD ET 464287226   2,695,463 27,172 SH   SOLE   27,172 0 0
TRUIST FINL CORP COM 89832Q109   2,817,780 65,545 SH   SOLE   64,677 0 868
BERKSHIRE HATHAWAY INC DEL CL A 084670108   2,915,200 4 SH   SOLE   4 0 0
SOUTHERN CO COM 842587107   2,939,479 32,010 SH   SOLE   32,010 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,966,337 11,714 SH   SOLE   11,714 0 0
STARBUCKS CORP COM 855244109   3,140,894 34,278 SH   SOLE   34,278 0 0
ISHARES TR CORE S&P500 ETF 464287200   3,183,976 5,128 SH   SOLE   5,128 0 0
ADOBE INC COM 00724F101   3,293,510 8,513 SH   SOLE   8,513 0 0
ALPHABET INC CAP STK CL C 02079K107   3,300,069 18,603 SH   SOLE   18,603 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   3,354,383 18,283 SH   SOLE   18,283 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   3,544,889 41,798 SH   SOLE   41,798 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,581,208 11,783 SH   SOLE   11,783 0 0
BANK OF THE JAMES FINL GP IN COM 470299108   3,616,847 257,061 SH   SOLE   257,061 0 0
ISHARES TR MSCI EAFE ETF 464287465   3,678,310 41,149 SH   SOLE   41,149 0 0
CVS HEALTH CORP COM 126650100   3,896,612 56,489 SH   SOLE   55,864 0 625
AUTOMATIC DATA PROCESSING IN COM 053015103   3,909,896 12,678 SH   SOLE   11,878 0 800
NVIDIA CORPORATION COM 67066G104   3,989,564 25,252 SH   SOLE   25,252 0 0
ISHARES TR U.S. FINLS ETF 464287788   4,201,983 34,730 SH   SOLE   34,730 0 0
ISHARES TR US HLTHCARE ETF 464287762   4,240,236 75,075 SH   SOLE   75,075 0 0
FEDEX CORP COM 31428X106   4,753,962 20,914 SH   SOLE   20,914 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763   4,762,630 35,089 SH   SOLE   35,089 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   4,772,493 26,260 SH   SOLE   26,260 0 0
ISHARES TR CORE S&P SCP ETF 464287804   4,965,420 45,433 SH   SOLE   45,433 0 0
BROADCOM INC COM 11135F101   5,159,617 18,718 SH   SOLE   18,718 0 0
ISHARES TR U.S. TECH ETF 464287721   5,544,640 32,000 SH   SOLE   32,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   5,724,249 132,291 SH   SOLE   132,291 0 0
DISNEY WALT CO COM 254687106   6,222,450 50,177 SH   SOLE   50,177 0 0
NORFOLK SOUTHN CORP COM 655844108   6,792,420 26,536 SH   SOLE   26,536 0 0
CHEVRON CORP NEW COM 166764100   6,917,509 48,310 SH   SOLE   48,310 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   7,043,592 12,400 SH   SOLE   12,400 0 0
ORACLE CORP COM 68389X105   7,235,342 33,094 SH   SOLE   33,094 0 0
META PLATFORMS INC CL A 30303M102   7,398,622 10,024 SH   SOLE   10,024 0 0
ISHARES TR CORE S&P MCP ETF 464287507   7,862,857 126,779 SH   SOLE   126,779 0 0
ABBOTT LABS COM 002824100   7,966,242 58,571 SH   SOLE   58,571 0 0
PEPSICO INC COM 713448108   8,018,394 60,727 SH   SOLE   60,727 0 0
HONEYWELL INTL INC COM 438516106   8,204,363 35,230 SH   SOLE   35,230 0 0
CISCO SYS INC COM 17275R102   8,658,706 124,801 SH   SOLE   124,801 0 0
ABBVIE INC COM 00287Y109   8,791,521 47,363 SH   SOLE   47,363 0 0
JOHNSON & JOHNSON COM 478160104   8,921,336 58,405 SH   SOLE   58,405 0 0
RTX CORPORATION COM 75513E101   9,249,345 63,343 SH   SOLE   63,343 0 0
BANK AMERICA CORP COM 060505104   10,813,820 228,525 SH   SOLE   226,629 0 1,896
AMAZON COM INC COM 023135106   11,245,274 51,257 SH   SOLE   51,257 0 0
EXXON MOBIL CORP COM 30231G102   11,592,530 107,537 SH   SOLE   106,129 0 1,408
PROCTER AND GAMBLE CO COM 742718109   13,084,633 82,128 SH   SOLE   82,128 0 0
HOME DEPOT INC COM 437076102   13,189,664 35,974 SH   SOLE   35,974 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   13,311,625 24,131 SH   SOLE   24,131 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   13,626,637 66,579 SH   SOLE   66,579 0 0
WALMART INC COM 931142103   15,193,613 155,386 SH   SOLE   155,386 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   15,747,692 32,418 SH   SOLE   32,418 0 0
ALPHABET INC CAP STK CL A 02079K305   15,947,229 90,491 SH   SOLE   90,491 0 0
JPMORGAN CHASE & CO. COM 46625H100   18,633,966 64,275 SH   SOLE   64,275 0 0
APPLE INC COM 037833100   26,129,631 127,356 SH   SOLE   127,356 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   28,051,626 45,402 SH   SOLE   45,402 0 0
MICROSOFT CORP COM 594918104   34,262,005 68,881 SH   SOLE   68,706 0 175