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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,601 52,081 SH   SOLE   52,081 0 0
WALMART INC COM 931142103 207 1,732 SH   SOLE   1,732 0 0
PFIZER INC COM 717081103 635 19,429 SH   SOLE   19,429 0 0
AT&T INC COM 00206R102 1,218 40,280 SH   SOLE   40,280 0 0
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 166 13,670 SH   SOLE   13,670 0 0
WISDOMTREE TR US DIVID EX FNCL 97717W406 314 4,263 SH   SOLE   4,263 0 0
AMERICAN ELEC PWR CO INC COM 025537101 260 3,267 SH   SOLE   3,267 0 0
JPMORGAN CHASE & CO COM 46625H100 8,300 88,240 SH   SOLE   88,240 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 350 2,136 SH   SOLE   2,136 0 0
ISHARES TR CORE S&P MCP ETF 464287507 6,727 37,828 SH   SOLE   37,828 0 0
UDR INC COM 902653104 354 9,468 SH   SOLE   9,468 0 0
ISHARES TR CORE US AGGBD ET 464287226 13,444 113,729 SH   SOLE   113,729 0 0
ISHARES TR U.S. TECH ETF 464287721 925 3,427 SH   SOLE   3,427 0 0
ABB LTD SPONSORED ADR 000375204 223 9,900 SH   SOLE   9,900 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 17,421 174,090 SH   SOLE   174,090 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 10,714 115,351 SH   SOLE   115,351 0 0
INTUIT COM 461202103 344 1,163 SH   SOLE   1,163 0 0
PPL CORP COM 69351T106 207 8,024 SH   SOLE   8,024 0 0
ISHARES TR RUS 1000 ETF 464287622 7,339 42,749 SH   SOLE   42,749 0 0
ISHARES TR U.S. CNSM GD ETF 464287812 283 2,217 SH   SOLE   2,217 0 0
3M CO COM 88579Y101 520 3,335 SH   SOLE   3,335 0 0
EMERSON ELEC CO COM 291011104 581 9,374 SH   SOLE   9,374 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 414 2,839 SH   SOLE   2,839 0 0
AIR PRODS & CHEMS INC COM 009158106 369 1,530 SH   SOLE   1,530 0 0
LOWES COS INC COM 548661107 379 2,801 SH   SOLE   2,801 0 0
CALAMOS CONV & HIGH INCOME F COM SHS 12811P108 270 23,828 SH   SOLE   23,828 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,913 31,389 SH   SOLE   31,389 0 0
ALLIANZGI EQUITY & CONV INCO COM 018829101 212 9,448 SH   SOLE   9,448 0 0
ALPHABET INC CAP STK CL A 02079K305 5,925 4,178 SH   SOLE   4,178 0 0
MCDONALDS CORP COM 580135101 627 3,399 SH   SOLE   3,399 0 0
KONINKLIJKE PHILIPS N V NY REG SH NEW 500472303 4,006 85,534 SH   SOLE   85,534 0 0
AMGEN INC COM 031162100 301 1,278 SH   SOLE   1,278 0 0
DOMINION ENERGY INC COM 25746U109 4,033 49,676 SH   SOLE   49,676 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 3,085 52,465 SH   SOLE   52,465 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 641 8,574 SH   SOLE   8,574 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 212 2,887 SH   SOLE   2,887 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 9,008 254,393 SH   SOLE   254,393 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 1,948 7,554 SH   SOLE   7,554 0 0
ABBOTT LABS COM 002824100 217 2,378 SH   SOLE   2,378 0 0
ABBVIE INC COM 00287Y109 326 3,319 SH   SOLE   3,319 0 0
AMERICAN EXPRESS CO COM 025816109 272 2,862 SH   SOLE   2,862 0 0
DISNEY WALT CO COM DISNEY 254687106 2,215 19,868 SH   SOLE   19,868 0 0
TRUIST FINL CORP COM 89832Q109 2,489 66,273 SH   SOLE   66,273 0 0
ILLINOIS TOOL WKS INC COM 452308109 451 2,582 SH   SOLE   2,582 0 0
ISHARES INC MIN VOL GBL ETF 464286525 2,919 33,328 SH   SOLE   33,328 0 0
SYSCO CORP COM 871829107 5,742 105,045 SH   SOLE   105,045 0 0
ISHARES TR TIPS BD ETF 464287176 206 1,678 SH   SOLE   1,678 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 1,128 18,598 SH   SOLE   18,598 0 0
US BANCORP DEL COM NEW 902973304 5,301 143,974 SH   SOLE   143,974 0 0
UNITED BANKSHARES INC WEST V COM 909907107 486 17,562 SH   SOLE   17,562 0 0
PACKAGING CORP AMER COM 695156109 1,767 17,710 SH   SOLE   17,710 0 0
CHEVRON CORP NEW COM 166764100 5,529 61,968 SH   SOLE   61,968 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 434 8,730 SH   SOLE   8,730 0 0
MICROSOFT CORP COM 594918104 3,564 17,515 SH   SOLE   17,515 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 12,062 111,833 SH   SOLE   111,833 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 230 1,069 SH   SOLE   1,069 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 9,132 165,652 SH   SOLE   165,652 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 908 3,205 SH   SOLE   3,205 0 0
PINNACLE FINL PARTNERS INC COM 72346Q104 211 5,029 SH   SOLE   5,029 0 0
INTEL CORP COM 458140100 1,195 19,980 SH   SOLE   19,980 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 702 13,600 SH   SOLE   13,600 0 0
STEEL DYNAMICS INC COM 858119100 234 8,984 SH   SOLE   8,984 0 0
KKR INCOME OPPORTUNITIES FD COM 48249T106 169 13,728 SH   SOLE   13,728 0 0
ISHARES TR MSCI ACWI EX US 464288240 2,584 59,771 SH   SOLE   59,771 0 0
ALLIANZGI CONV INCOME FD COM 018828103 61 13,849 SH   SOLE   13,849 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 985 4,876 SH   SOLE   4,876 0 0
ISHARES TR JPMORGAN USD EMG 464288281 272 2,494 SH   SOLE   2,494 0 0
STARBUCKS CORP COM 855244109 324 4,404 SH   SOLE   4,404 0 0
MFS HIGH YIELD MUN TR SH BEN INT 59318E102 78 19,098 SH   SOLE   19,098 0 0
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104 86 15,000 SH   SOLE   15,000 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 248 3,158 SH   SOLE   3,158 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 4,010 15 SH   SOLE   15 0 0
AEGON N V NY REGISTRY SHS 007924103 29 10,000 SH   SOLE   10,000 0 0
FIRST NATL CORP COM 32106V107 1,267 91,287 SH   SOLE   91,287 0 0
PUTNAM MASTER INTER INCOME T SH BEN INT 746909100 58 14,300 SH   SOLE   14,300 0 0
ORACLE CORP COM 68389X105 544 9,846 SH   SOLE   9,846 0 0
HOME DEPOT INC COM 437076102 873 3,485 SH   SOLE   3,485 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,847 23,120 SH   SOLE   23,120 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 23,957 288,223 SH   SOLE   288,223 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 16,239 138,581 SH   SOLE   138,581 0 0
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 398 10,263 SH   SOLE   10,263 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,676 15,488 SH   SOLE   15,488 0 0
CANADIAN IMP BK COMM COM 136069101 268 4,000 SH   SOLE   4,000 0 0
UNITEDHEALTH GROUP INC COM 91324P102 599 2,031 SH   SOLE   2,031 0 0
ROYCE VALUE TR INC COM 780910105 129 10,253 SH   SOLE   10,253 0 0
COCA COLA CO COM 191216100 516 11,553 SH   SOLE   11,553 0 0
PNC FINL SVCS GROUP INC COM 693475105 626 5,951 SH   SOLE   5,951 0 0
NORFOLK SOUTHERN CORP COM 655844108 280 1,595 SH   SOLE   1,595 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 10,539 210,058 SH   SOLE   210,058 0 0
XCEL ENERGY INC COM 98389B100 278 4,452 SH   SOLE   4,452 0 0
GENERAL ELECTRIC CO COM 369604103 339 49,678 SH   SOLE   49,678 0 0
SPDR SER TR S&P DIVID ETF 78464A763 20,165 221,107 SH   SOLE   221,107 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 217 1,130 SH   SOLE   1,130 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,706 71,612 SH   SOLE   71,612 0 0
MERCK & CO. INC COM 58933Y105 1,323 17,104 SH   SOLE   17,104 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 520 1,865 SH   SOLE   1,865 0 0
BOEING CO COM 097023105 296 1,616 SH   SOLE   1,616 0 0
EXXON MOBIL CORP COM 30231G102 1,829 40,900 SH   SOLE   40,900 0 0
CISCO SYS INC COM 17275R102 379 8,134 SH   SOLE   8,134 0 0
DOLLAR TREE INC COM 256746108 239 2,577 SH   SOLE   2,577 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 14,770 187,484 SH   SOLE   187,484 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,283 39,938 SH   SOLE   39,938 0 0
ATLANTIC UN BANKSHARES CORP COM 04911A107 287 12,392 SH   SOLE   12,392 0 0
BLACKROCK MUNIENHANCED FD IN COM 09253Y100 152 13,886 SH   SOLE   13,886 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 12,186 147,419 SH   SOLE   147,419 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 19,825 111,056 SH   SOLE   111,056 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,202 10,339 SH   SOLE   10,339 0 0
JOHNSON & JOHNSON COM 478160104 1,519 10,799 SH   SOLE   10,799 0 0
LILLY ELI & CO COM 532457108 486 2,960 SH   SOLE   2,960 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,591 11,646 SH   SOLE   11,646 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 1,430 26,893 SH   SOLE   26,893 0 0
PROCTER AND GAMBLE CO COM 742718109 2,298 19,218 SH   SOLE   19,218 0 0
BK OF AMERICA CORP COM 060505104 531 22,341 SH   SOLE   22,341 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 4,518 22,864 SH   SOLE   22,864 0 0
ISHARES TR SELECT DIVID ETF 464287168 4,091 50,684 SH   SOLE   50,684 0 0
PEPSICO INC COM 713448108 1,132 8,560 SH   SOLE   8,560 0 0
EOG RES INC COM 26875P101 2,844 56,141 SH   SOLE   56,141 0 0
GABELLI EQUITY TR INC COM 362397101 207 41,224 SH   SOLE   41,224 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 200 1,564 SH   SOLE   1,564 0 0
ROYCE MICRO-CAP TR INC COM 780915104 399 55,483 SH   SOLE   55,483 0 0
ALLSTATE CORP COM 020002101 229 2,364 SH   SOLE   2,364 0 0
ISHARES TR US HLTHCARE ETF 464287762 315 1,463 SH   SOLE   1,463 0 0
ALPHABET INC CAP STK CL C 02079K107 3,288 2,326 SH   SOLE   2,326 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 229 4,066 SH   SOLE   4,066 0 0
ANTHEM INC COM 036752103 616 2,343 SH   SOLE   2,343 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 300 1,558 SH   SOLE   1,558 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 384 9,688 SH   SOLE   9,688 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 201 6,135 SH   SOLE   6,135 0 0
ENBRIDGE INC COM 29250N105 429 14,116 SH   SOLE   14,116 0 0
WELLS FARGO CO NEW COM 949746101 678 26,500 SH   SOLE   26,500 0 0
ISHARES TR S&P 100 ETF 464287101 241 1,693 SH   SOLE   1,693 0 0
BLACKSTONE GSO STRATEGIC CR COM SHS BEN IN 09257R101 114 10,000 SH   SOLE   10,000 0 0
SHENANDOAH TELECOMMUNICATION COM 82312B106 1,937 39,290 SH   SOLE   39,290 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,822 103,516 SH   SOLE   103,516 0 0
APPLE INC COM 037833100 20,454 56,069 SH   SOLE   56,069 0 0
ROSS STORES INC COM 778296103 276 3,234 SH   SOLE   3,234 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,005 3,315 SH   SOLE   3,315 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 2,915 29,913 SH   SOLE   29,913 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,961 83,197 SH   SOLE   83,197 0 0
INVESCO MUNI INCOME OPP TRST COM 46132X101 87 12,180 SH   SOLE   12,180 0 0
SOUTHERN CO COM 842587107 791 15,254 SH   SOLE   15,254 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,875 80,084 SH   SOLE   80,084 0 0
ISHARES TR EXPND TEC SC ETF 464287549 3,908 14,000 SH   SOLE   14,000 0 0
SPDR SER TR S&P BK ETF 78464A797 542 17,179 SH   SOLE   17,179 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 261 2,741 SH   SOLE   2,741 0 0
WESTERN ASSET GLOBAL HIGH IN COM 95766B109 99 10,700 SH   SOLE   10,700 0 0
EASTMAN CHEM CO COM 277432100 326 4,675 SH   SOLE   4,675 0 0
PRICE T ROWE GROUP INC COM 74144T108 270 2,188 SH   SOLE   2,188 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 236 6,500 SH   SOLE   6,500 0 0
UNION PAC CORP COM 907818108 460 2,721 SH   SOLE   2,721 0 0
SPDR SER TR S&P RETAIL ETF 78464A714 764 17,816 SH   SOLE   17,816 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,892 9,117 SH   SOLE   9,117 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 185 10,679 SH   SOLE   10,679 0 0
ISHARES TR NASDAQ BIOTECH 464287556 2,130 15,581 SH   SOLE   15,581 0 0
ISHARES TR NATIONAL MUN ETF 464288414 7,549 65,420 SH   SOLE   65,420 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 423 2,957 SH   SOLE   2,957 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,631 82,459 SH   SOLE   82,459 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 449 3,719 SH   SOLE   3,719 0 0
TOTAL S.A. SPONSORED ADS 89151E109 295 7,669 SH   SOLE   7,669 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 310 2,170 SH   SOLE   2,170 0 0
CSX CORP COM 126408103 550 7,888 SH   SOLE   7,888 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 211 581 SH   SOLE   581 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 7,097 107,436 SH   SOLE   107,436 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 860 4,776 SH   SOLE   4,776 0 0