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
STARBUCKS CORP COM Stock 855244109   290,967 3,914 SH   SOLE   0 0 3,914
ELEVANCE HEALTH INC COM Stock 036752103   717,450 2,500 SH   SOLE   0 0 2,500
JOHNSON & JOHNSON COM Stock 478160104   1,689,782 12,088 SH   SOLE   0 0 12,088
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   3,650,304 25,225 SH   SOLE   0 0 25,225
COSTCO WHSL CORP NEW COM Stock 22160K105   851,849 3,518 SH   SOLE   0 0 3,518
GOLDMAN SACHS GROUP INC COM Stock 38141G104   3,445,837 17,948 SH   SOLE   0 0 17,948
PROCTER AND GAMBLE CO COM Stock 742718109   1,865,512 17,929 SH   SOLE   0 0 17,929
COCA COLA CO COM Stock 191216100   491,843 10,496 SH   SOLE   0 0 10,496
ISHARES U.S. HEALTHCARE ETF ETF 464287762   294,933 1,522 SH   SOLE   0 0 1,522
ISHARES MSCI ACWI EX U.S. ETF ETF 464288240   2,680,467 57,931 SH   SOLE   0 0 57,931
INTEL CORP COM Stock 458140100   955,323 17,790 SH   SOLE   0 0 17,790
MEDTRONIC PLC SHS Stock G5960L103   224,603 2,466 SH   SOLE   0 0 2,466
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST ETF 78467X109   1,913,157 7,383 SH   SOLE   0 0 7,383
MERCK & CO INC COM Stock 58933Y105   3,447,729 41,454 SH   SOLE   0 0 41,454
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   10,364,044 97,774 SH   SOLE   0 0 97,774
SPDR S&P 500 ETF TRUST ETF 78462F103   2,843,161 10,065 SH   SOLE   0 0 10,065
NUVEEN VIRGINIA QLTY MUNCPL FD COM CEF 67064R102   188,443 14,838 SH   SOLE   0 0 14,838
ILLINOIS TOOL WKS INC COM Stock 452308109   242,135 1,687 SH   SOLE   0 0 1,687
STEEL DYNAMICS INC COM Stock 858119100   316,866 8,984 SH   SOLE   0 0 8,984
EMERSON ELEC CO COM Stock 291011104   4,817,481 70,359 SH   SOLE   0 0 70,359
SHENANDOAH TELECOMMUNICATIONS COM Stock 82312B106   2,841,125 64,047 SH   SOLE   0 0 64,047
ISHARES TIPS BOND ETF ETF 464287176   239,369 2,117 SH   SOLE   0 0 2,117
MFS HIGH YIELD MUN TR SH BEN INT CEF 59318E102   88,806 19,098 SH   SOLE   0 0 19,098
ISHARES S&P 100 ETF ETF 464287101   264,090 2,108 SH   SOLE   0 0 2,108
VERIZON COMMUNICATIONS INC COM Stock 92343V104   8,045,996 136,073 SH   SOLE   0 0 136,073
PEPSICO INC COM Stock 713448108   993,023 8,103 SH   SOLE   0 0 8,103
US BANCORP DEL COM NEW Stock 902973304   5,185,919 107,614 SH   SOLE   0 0 107,614
XCEL ENERGY INC COM Stock 98389B100   250,247 4,452 SH   SOLE   0 0 4,452
HOME DEPOT INC COM Stock 437076102   555,905 2,897 SH   SOLE   0 0 2,897
FIRST TRUST NASDAQ ABA COMMUNITY BANK INDEX FUND ETF 33736Q104   2,683,749 58,027 SH   SOLE   0 0 58,027
PIMCO 1-5 YEAR US TIPS INDEX ETF ETF 72201R205   1,470,684 28,441 SH   SOLE   0 0 28,441
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630   2,625,211 21,895 SH   SOLE   0 0 21,895
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   15,532,266 169,289 SH   SOLE   0 0 169,289
SOUTHERN CO COM Stock 842587107   777,577 15,046 SH   SOLE   0 0 15,046
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   3,865,369 50,102 SH   SOLE   0 0 50,102
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   13,934,534 69,364 SH   SOLE   0 0 69,364
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   13,491,643 169,153 SH   SOLE   0 0 169,153
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   238,111 2,741 SH   SOLE   0 0 2,741
ALPHABET INC CAP STK CL A Stock 02079K305   4,494,543 3,819 SH   SOLE   0 0 3,819
EASTMAN CHEM CO COM Stock 277432100   321,504 4,237 SH   SOLE   0 0 4,237
INTUIT COM Stock 461202103   287,551 1,100 SH   SOLE   0 0 1,100
CSX CORP COM Stock 126408103   223,413 2,986 SH   SOLE   0 0 2,986
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS ADR 00215W100   44,160 10,246 SH   SOLE   0 0 10,246
MICROSOFT CORP COM Stock 594918104   1,766,623 14,979 SH   SOLE   0 0 14,979
SCHLUMBERGER LTD COM STK Stock 806857108   239,548 5,498 SH   SOLE   0 0 5,498
CVS HEALTH CORP COM Stock 126650100   213,455 3,958 SH   SOLE   0 0 3,958
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108   6,325,515 21 SH   SOLE   0 0 21
ROYCE MICRO-CAP TR INC COM CEF 780915104   190,707 22,894 SH   SOLE   0 0 22,894
BOEING CO COM Stock 097023105   698,380 1,831 SH   SOLE   0 0 1,831
VANGUARD SMALL-CAP ETF ETF 922908751   340,591 2,229 SH   SOLE   0 0 2,229
VANGUARD LARGE-CAP ETF ETF 922908637   234,938 1,810 SH   SOLE   0 0 1,810
VANGUARD HEALTH CARE ETF ETF 92204A504   268,724 1,558 SH   SOLE   0 0 1,558
NORFOLK SOUTHN CORP COM Stock 655844108   296,221 1,585 SH   SOLE   0 0 1,585
UDR INC COM REIT 902653104   457,009 10,053 SH   SOLE   0 0 10,053
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   247,979 1,236 SH   SOLE   0 0 1,236
PUTNAM MASTER INTER INCOME TR SH BEN INT CEF 746909100   64,922 14,300 SH   SOLE   0 0 14,300
DOLLAR TREE INC COM Stock 256746108   260,709 2,482 SH   SOLE   0 0 2,482
KKR & CO INC COM Stock 48251W104   563,760 24,000 SH   SOLE   0 0 24,000
VANGUARD S&P 500 ETF ETF 922908363   303,921 1,171 SH   SOLE   0 0 1,171
ELI LILLY & CO COM Stock 532457108   307,661 2,371 SH   SOLE   0 0 2,371
AIR PRODS & CHEMS INC COM Stock 009158106   290,641 1,522 SH   SOLE   0 0 1,522
PPL CORP COM Stock 69351T106   222,942 7,024 SH   SOLE   0 0 7,024
INVESCO MUNI INCOME OPPS TRUST CEF 46132X101   94,760 12,180 SH   SOLE   0 0 12,180
ISHARES RUSSELL 2000 ETF ETF 464287655   743,558 4,857 SH   SOLE   0 0 4,857
DUKE ENERGY CORP NEW COM NEW Stock 26441C204   1,981,890 22,021 SH   SOLE   0 0 22,021
SYSCO CORP COM Stock 871829107   6,701,436 100,381 SH   SOLE   0 0 100,381
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   490,394 9,316 SH   SOLE   0 0 9,316
ISHARES SELECT DIVIDEND ETF ETF 464287168   4,531,891 46,159 SH   SOLE   0 0 46,159
AMERICAN ELEC PWR CO INC COM Stock 025537101   273,611 3,267 SH   SOLE   0 0 3,267
PINNACLE FINL PARTNERS INC COM Stock 72346Q104   360,965 6,599 SH   SOLE   0 0 6,599
SCHWAB US AGGREGATE BOND ETF ETF 808524839   3,935,721 75,862 SH   SOLE   0 0 75,862
ENERGY TRANSFER L P COM UT LTD PTN Stock 29273V100   159,802 10,397 SH   SOLE   0 0 10,397
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF ETF 464286525   2,983,979 33,348 SH   SOLE   0 0 33,348
ISHARES MSCI EAFE MIN VOL FACTOR ETF ETF 46429B689   4,280,760 59,455 SH   SOLE   0 0 59,455
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   2,742,550 46,642 SH   SOLE   0 0 46,642
VANGUARD GROWTH ETF ETF 922908736   309,868 1,981 SH   SOLE   0 0 1,981
ISHARES MICRO-CAP ETF ETF 464288869   668,058 7,202 SH   SOLE   0 0 7,202
NUVEEN MUN VALUE FD INC COM CEF 670928100   139,230 13,923 SH   SOLE   0 0 13,923
ROYCE VALUE TR INC COM CEF 780910105   141,081 10,253 SH   SOLE   0 0 10,253
UNITED BANKSHARES INC WEST VA COM Stock 909907107   636,447 17,562 SH   SOLE   0 0 17,562
PACKAGING CORP AMER COM Stock 695156109   1,760,020 17,710 SH   SOLE   0 0 17,710
BLACKSTONE STRATEGIC CRE 2027 TERM ORD CEF 09257R101   142,500 10,000 SH   SOLE   0 0 10,000
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   6,996,484 143,724 SH   SOLE   0 0 143,724
INVESCO FTSE RAFI US 1500 SMALL-MID ETF ETF 46137V597   275,084 2,156 SH   SOLE   0 0 2,156
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW ADR 500472303   5,563,906 136,170 SH   SOLE   0 0 136,170
ROYAL BK CDA COM Stock 780087102   226,650 3,000 SH   SOLE   0 0 3,000
TOTALENERGIES SE SPONSORED ADS ADR 89151E109   569,522 10,234 SH   SOLE   0 0 10,234
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   232,874 1,323 SH   SOLE   0 0 1,323
ENBRIDGE INC COM Stock 29250N105   507,386 13,993 SH   SOLE   0 0 13,993
EOG RES INC COM Stock 26875P101   3,855,742 40,510 SH   SOLE   0 0 40,510
ABBVIE INC COM Stock 00287Y109   535,682 6,647 SH   SOLE   0 0 6,647
CANADIAN IMPERIAL BK COMM TORO COM Stock 136069101   474,420 6,000 SH   SOLE   0 0 6,000
INVESCO INTERNATIONAL DIV ACHIEV ETF ETF 46137V548   312,423 19,674 SH   SOLE   0 0 19,674
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   3,112,928 38,346 SH   SOLE   0 0 38,346
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   5,404,064 107,758 SH   SOLE   0 0 107,758
VIRTUS CONVERTIBLE & INCOME FD COM CEF 92838X102   89,742 13,849 SH   SOLE   0 0 13,849
INVESCO S&P 500 QUALITY ETF ETF 46137V241   9,628,700 299,493 SH   SOLE   0 0 299,493
NUVEEN AMT FREE MUN CR INC FD COM CEF 67071L106   234,719 15,534 SH   SOLE   0 0 15,534
MCDONALDS CORP COM Stock 580135101   592,108 3,118 SH   SOLE   0 0 3,118
CISCO SYS INC COM Stock 17275R102   357,414 6,620 SH   SOLE   0 0 6,620
WISDOMTREE U.S. LARGECAP DIVIDEND FUND ETF 97717W307   10,609,455 112,603 SH   SOLE   0 0 112,603
AT&T INC COM Stock 00206R102   1,282,091 40,883 SH   SOLE   0 0 40,883
KKR INCOME OPPORTUNITIES CEF 48249T106   212,509 13,728 SH   SOLE   0 0 13,728
ISHARES U.S. CONSUMER STAPLES ETF ETF 464287812   264,821 2,217 SH   SOLE   0 0 2,217
ISHARES BIOTECHNOLOGY ETF ETF 464287556   1,640,441 14,673 SH   SOLE   0 0 14,673
CALAMOS CONV & HIGH INCOME FD COM SHS CEF 12811P108   264,122 24,343 SH   SOLE   0 0 24,343
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   597,150 3,133 SH   SOLE   0 0 3,133
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF 74348A467   200,019 2,951 SH   SOLE   0 0 2,951
ISHARES S&P 500 VALUE ETF ETF 464287408   1,717,481 15,234 SH   SOLE   0 0 15,234
WISDOMTREE U.S. AI ENHANCED VALUE FUND ETF 97717W406   407,189 4,763 SH   SOLE   0 0 4,763
ISHARES S&P 500 GROWTH ETF ETF 464287309   1,191,180 6,911 SH   SOLE   0 0 6,911
ISHARES CORE S&P 500 ETF ETF 464287200   2,847,876 10,008 SH   SOLE   0 0 10,008
THE CIGNA GROUP COM Stock 125523100   229,008 1,424 SH   SOLE   0 0 1,424
ROSS STORES INC COM Stock 778296103   274,366 2,947 SH   SOLE   0 0 2,947
WELLS FARGO CO NEW COM Stock 949746101   1,180,651 24,434 SH   SOLE   0 0 24,434
UNION PAC CORP COM Stock 907818108   442,411 2,646 SH   SOLE   0 0 2,646
CARMAX INC COM Stock 143130102   212,471 3,044 SH   SOLE   0 0 3,044
JPMORGAN CHASE & CO COM Stock 46625H100   8,661,542 85,563 SH   SOLE   0 0 85,563
CHEVRON CORP NEW COM Stock 166764100   6,253,479 50,767 SH   SOLE   0 0 50,767
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   8,048,266 72,383 SH   SOLE   0 0 72,383
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   408,332 9,991 SH   SOLE   0 0 9,991
SPDR S&P BANK ETF ETF 78464A797   822,451 19,690 SH   SOLE   0 0 19,690
SPDR S&P RETAIL ETF ETF 78464A714   1,479,119 32,862 SH   SOLE   0 0 32,862
BANK AMERICA CORP COM Stock 060505104   560,656 20,321 SH   SOLE   0 0 20,321
SPDR S&P DIVIDEND ETF ETF 78464A763   20,889,719 210,137 SH   SOLE   0 0 210,137
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   495,120 3,509 SH   SOLE   0 0 3,509
ORACLE CORP COM Stock 68389X105   538,496 10,026 SH   SOLE   0 0 10,026
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   351,093 8,261 SH   SOLE   0 0 8,261
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   15,593,718 182,042 SH   SOLE   0 0 182,042
PFIZER INC COM Stock 717081103   993,713 23,398 SH   SOLE   0 0 23,398
3M CO COM Stock 88579Y101   641,625 3,088 SH   SOLE   0 0 3,088
ALPHABET INC CAP STK CL C Stock 02079K107   2,682,187 2,286 SH   SOLE   0 0 2,286
AMERICAN EXPRESS CO COM Stock 025816109   242,537 2,219 SH   SOLE   0 0 2,219
AMGEN INC COM Stock 031162100   385,279 2,028 SH   SOLE   0 0 2,028
INVESCO FTSE RAFI EMERGING MARKETS ETF ETF 46138E727   1,793,666 83,777 SH   SOLE   0 0 83,777
BLACKROCK MUNIENHANCED CEF 09253Y100   148,580 13,886 SH   SOLE   0 0 13,886
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   14,072,075 128,348 SH   SOLE   0 0 128,348
ISHARES CORE US AGGREGATE BOND ETF ETF 464287226   12,062,160 110,591 SH   SOLE   0 0 110,591
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549   2,893,539 14,032 SH   SOLE   0 0 14,032
VANGUARD SHORT-TERM BOND ETF ETF 921937827   13,488,754 169,478 SH   SOLE   0 0 169,478
GABELLI EQUITY TR INC COM CEF 362397101   253,528 41,224 SH   SOLE   0 0 41,224
PNC FINL SVCS GROUP INC COM Stock 693475105   3,689,122 30,076 SH   SOLE   0 0 30,076
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   293,894 6,160 SH   SOLE   0 0 6,160
ISHARES RUSSELL 3000 ETF ETF 464287689   796,159 4,776 SH   SOLE   0 0 4,776
DOMINION ENERGY INC COM Stock 25746U109   3,442,417 44,905 SH   SOLE   0 0 44,905
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281   274,490 2,494 SH   SOLE   0 0 2,494
EXXON MOBIL CORP COM Stock 30231G102   6,988,311 86,489 SH   SOLE   0 0 86,489
UNITEDHEALTH GROUP INC COM Stock 91324P102   481,662 1,948 SH   SOLE   0 0 1,948
TRAVELERS COMPANIES INC COM Stock 89417E109   338,922 2,471 SH   SOLE   0 0 2,471
SHELL PLC SPON ADR B ADR 780259107   936,548 14,645 SH   SOLE   0 0 14,645
TORONTO DOMINION BK ONT COM NEW Stock 891160509   217,320 4,000 SH   SOLE   0 0 4,000
ISHARES CORE S&P MID-CAP ETF ETF 464287507   5,358,505 28,292 SH   SOLE   0 0 28,292
ISHARES MSCI EAFE ETF ETF 464287465   3,914,106 60,347 SH   SOLE   0 0 60,347
APPLE INC COM Stock 037833100   14,035,826 73,892 SH   SOLE   0 0 73,892
ABBOTT LABS COM Stock 002824100   270,597 3,385 SH   SOLE   0 0 3,385
DISNEY WALT CO COM Stock 254687106   1,960,124 17,654 SH   SOLE   0 0 17,654
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   441,727 6,037 SH   SOLE   0 0 6,037
ISHARES RUSSELL 1000 ETF ETF 464287622   6,720,598 42,722 SH   SOLE   0 0 42,722