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
ABBVIE INC COM 00287Y109 469 2,805 SH   SOLE   0 0 2,805
ALPHABET INC CAP STK CL C 02079K107 300 117 SH   SOLE   0 0 117
ALPHABET INC CAP STK CL A 02079K305 222 87 SH   SOLE   0 0 87
ALTRIA GROUP INC COM 02209S103 3,342 60,859 SH   SOLE   0 0 60,859
AMERICAN ELEC PWR CO INC COM 025537101 386 3,778 SH   SOLE   2,341 0 1,437
ANTHEM INC COM 036752103 1,125 2,208 SH   SOLE   0 0 2,208
APPLE INC COM 037833100 4,524 26,984 SH   SOLE   0 0 26,984
AT&T INC COM 00206R102 232 11,837 SH   SOLE   0 0 11,837
BALL CORP COM 058498106 501 5,800 SH   SOLE   0 0 5,800
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 810 2,316 SH   SOLE   0 0 2,316
BK OF AMERICA CORP COM 060505104 344 8,777 SH   SOLE   0 0 8,777
BRANDYWINE RLTY TR SH BEN INT NEW 105368203 1,419 112,636 SH   SOLE   0 0 112,636
CAPITAL ONE FINL CORP COM 14040H105 409 3,089 SH   SOLE   0 0 3,089
CARLOTZ INC COM CL A 142552108 63 60,395 SH   SOLE   0 0 60,395
CARMAX INC COM 143130102 1,271 13,617 SH   SOLE   0 0 13,617
CHEVRON CORP NEW COM 166764100 373 2,208 SH   SOLE   0 0 2,208
COCA COLA CO COM 191216100 442 6,841 SH   SOLE   0 0 6,841
COMCAST CORP NEW CL A 20030N101 269 5,685 SH   SOLE   0 0 5,685
COSTCO WHSL CORP NEW COM 22160K105 285 490 SH   SOLE   0 0 490
CSX CORP COM 126408103 1,205 35,013 SH   SOLE   0 0 35,013
DEERE & CO COM 244199105 255 607 SH   SOLE   0 0 607
DOMINION ENERGY INC COM 25746U109 1,751 20,041 SH   SOLE   0 0 20,041
DUKE ENERGY CORP NEW COM NEW 26441C204 361 3,124 SH   SOLE   0 0 3,124
EXXON MOBIL CORP COM 30231G102 921 10,763 SH   SOLE   0 0 10,763
FACEBOOK INC CL A 30303M102 200 934 SH   SOLE   0 0 934
GRAINGER W W INC COM 384802104 596 1,138 SH   SOLE   0 0 1,138
HCA HEALTHCARE INC COM 40412C101 1,783 6,834 SH   SOLE   0 0 6,834
HOME DEPOT INC COM 437076102 525 1,713 SH   SOLE   0 0 1,713
HONEYWELL INTL INC COM 438516106 231 1,210 SH   SOLE   0 0 1,210
INTERNATIONAL BUSINESS MACHS COM 459200101 239 1,897 SH   SOLE   0 0 1,897
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 208 11,261 SH   SOLE   0 0 11,261
ISHARES GOLD TR ISHARES 464285105 217 5,786 SH   SOLE   0 0 5,786
ISHARES TR TIPS BD ETF 464287176 463 3,814 SH   SOLE   0 0 3,814
ISHARES TR 0-5 YR TIPS ETF 46429B747 237 2,276 SH   SOLE   0 0 2,276
ISHARES TR SELECT DIVID ETF 464287168 28,814 224,933 SH   SOLE   927 0 224,006
ISHARES TR CORE S&P TTL STK 464287150 2,555 26,128 SH   SOLE   0 0 26,128
ISHARES TR AGGRES ALLOC ETF 464289859 1,311 19,575 SH   SOLE   0 0 19,575
ISHARES TR GRWT ALLOCAT ETF 464289867 1,648 31,438 SH   SOLE   0 0 31,438
ISHARES TR CONSER ALLOC ETF 464289883 328 8,908 SH   SOLE   0 0 8,908
ISHARES TR IBOXX INV CP ETF 464287242 441 3,793 SH   SOLE   0 0 3,793
ISHARES TR RUS 1000 VAL ETF 464287598 1,831 11,107 SH   SOLE   0 0 11,107
ISHARES TR CORE MSCI TOTAL 46432F834 55,358 852,970 SH   SOLE   3,700 0 849,270
ISHARES TR 3 7 YR TREAS BD 464288661 498 4,128 SH   SOLE   0 0 4,128
ISHARES TR 0-5YR HI YL CP 46434V407 267 6,178 SH   SOLE   0 0 6,178
ISHARES TR MODERT ALLOC ETF 464289875 1,115 26,662 SH   SOLE   391 0 26,271
ISHARES TR SHORT TREAS BD 464288679 209 1,898 SH   SOLE   0 0 1,898
ISHARES TR RUS 1000 GRW ETF 464287614 809 3,081 SH   SOLE   0 0 3,081
ISHARES TR RUSSELL 2000 ETF 464287655 253 1,286 SH   SOLE   0 0 1,286
ISHARES TR CORE S&P MCP ETF 464287507 4,409 17,006 SH   SOLE   185 0 16,821
ISHARES TR CORE S&P500 ETF 464287200 27,252 61,930 SH   SOLE   673 0 61,257
JOHNSON & JOHNSON COM 478160104 834 4,634 SH   SOLE   0 0 4,634
JPMORGAN CHASE & CO COM 46625H100 420 3,190 SH   SOLE   0 0 3,190
LOWES COS INC COM 548661107 1,007 4,935 SH   SOLE   0 0 4,935
MAXIMUS INC COM 577933104 484 6,359 SH   SOLE   0 0 6,359
MCDONALDS CORP COM 580135101 490 1,965 SH   SOLE   0 0 1,965
MERCK & CO. INC COM 58933Y105 352 4,106 SH   SOLE   0 0 4,106
MICROSOFT CORP COM 594918104 1,533 5,437 SH   SOLE   0 0 5,437
MONDELEZ INTL INC CL A 609207105 544 8,539 SH   SOLE   0 0 8,539
NASDAQ INC COM 631103108 484 2,688 SH   SOLE   0 0 2,688
NORFOLK SOUTHN CORP COM 655844108 966 3,734 SH   SOLE   0 0 3,734
NUVEEN MUN VALUE FD INC COM 670928100 105 11,400 SH   SOLE   0 0 11,400
PEPSICO INC COM 713448108 707 4,078 SH   SOLE   0 0 4,078
PFIZER INC COM 717081103 832 15,658 SH   SOLE   0 0 15,658
PHILIP MORRIS INTL INC COM 718172109 3,284 32,677 SH   SOLE   0 0 32,677
POLARIS INC COM 731068102 360 3,400 SH   SOLE   0 0 3,400
PROCTER AND GAMBLE CO COM 742718109 375 2,359 SH   SOLE   0 0 2,359
SOUTHERN CO COM 842587107 479 6,345 SH   SOLE   0 0 6,345
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,155 9,480 SH   SOLE   0 0 9,480
TJX COS INC NEW COM 872540109 204 3,248 SH   SOLE   0 0 3,248
TRUIST FINL CORP COM 89832Q109 429 8,149 SH   SOLE   0 0 8,149
TYLER TECHNOLOGIES INC COM 902252105 203 492 SH   SOLE   0 0 492
UDR INC COM 902653104 366 6,351 SH   SOLE   0 0 6,351
UNION PAC CORP COM 907818108 236 962 SH   SOLE   0 0 962
UNITEDHEALTH GROUP INC COM 91324P102 240 449 SH   SOLE   0 0 449
UNIVERSAL CORP VA COM 913456109 668 11,434 SH   SOLE   0 0 11,434
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 212 7,965 SH   SOLE   0 0 7,965
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 63,109 813,679 SH   SOLE   3,267 0 810,412
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6,832 88,154 SH   SOLE   598 0 87,556
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 62,766 1,218,750 SH   SOLE   6,883 0 1,211,867
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,797 4,461 SH   SOLE   0 0 4,461
VANGUARD INDEX FDS SM CP VAL ETF 922908611 48,274 281,695 SH   SOLE   1,357 0 280,338
VANGUARD INDEX FDS SML CP GRW ETF 922908595 353 1,486 SH   SOLE   0 0 1,486
VANGUARD INDEX FDS MID CAP ETF 922908629 8,565 36,924 SH   SOLE   0 0 36,924
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,107 10,208 SH   SOLE   0 0 10,208
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,360 6,612 SH   SOLE   0 0 6,612
VANGUARD INDEX FDS TOTAL STK MKT 922908769 136,719 620,039 SH   SOLE   0 0 620,039
VANGUARD INDEX FDS GROWTH ETF 922908736 346 1,278 SH   SOLE   0 0 1,278
VANGUARD INDEX FDS LARGE CAP ETF 922908637 38,940 193,224 SH   SOLE   1,143 0 192,081
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 486 9,559 SH   SOLE   0 0 9,559
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 90,451 1,610,307 SH   SOLE   8,020 0 1,602,287
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 26,741 528,052 SH   SOLE   1,652 0 526,400
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 661 4,138 SH   SOLE   0 0 4,138
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,341 40,178 SH   SOLE   0 0 40,178
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 260 2,316 SH   SOLE   0 0 2,316
VANGUARD WORLD FD MEGA CAP INDEX 921910873 39,481 256,668 SH   SOLE   0 0 256,668
VERIZON COMMUNICATIONS INC COM 92343V104 352 6,567 SH   SOLE   0 0 6,567
WALMART INC COM 931142103 259 1,691 SH   SOLE   0 0 1,691
WELLS FARGO CO NEW COM 949746101 222 4,589 SH   SOLE   0 0 4,589
YUM BRANDS INC COM 988498101 224 1,871 SH   SOLE   0 0 1,871