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
AMAZON COM INC COM Stock 023135106 995 303 SH   SOLE 0 303 0 0
INVESCO QQQ TRUST ETF 46090E103 746 2,084 SH   SOLE 0 2,084 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 47,814 320,211 SH   SOLE 0 320,211 0 0
JOHNSON & JOHNSON COM Stock 478160104 526 3,258 SH   SOLE 0 3,258 0 0
INVESCO HIGH YIELD EQUITY DIVIDEND ACHIEVERS ETF ETF 46137V563 13,024 657,561 SH   SOLE 0 657,561 0 0
VANGUARD ENERGY INDEX FUND ETF 92204A306 1,525 20,631 SH   SOLE 0 20,631 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 9,835 195,218 SH   SOLE 0 195,217 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 278 1,986 SH   SOLE 0 1,986 0 0
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109 7,009 213,962 SH   SOLE 0 213,962 0 0
TRUIST FINL CORP COM Stock 89832Q109 1,058 18,032 SH   SOLE 0 18,031 0 0
INTEL CORP COM Stock 458140100 232 4,361 SH   SOLE 0 4,361 0 0
SPDR S&P 500 ETF ETF 78462F103 10,677 24,880 SH   SOLE 0 24,880 0 0
VANECK SHORT MUNI ETF ETF 92189F528 269 14,949 SH   SOLE 0 14,949 0 0
ISHARES S&P 100 ETF ETF 464287101 446 2,258 SH   SOLE 0 2,258 0 0
PEPSICO INC COM Stock 713448108 283 1,881 SH   SOLE 0 1,881 0 0
HOME DEPOT INC COM Stock 437076102 327 997 SH   SOLE 0 997 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 14,035 110,249 SH   SOLE 0 110,249 0 0
SPDR GOLD SHARES ETF 78463V107 547 3,332 SH   SOLE 0 3,332 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 512 1,867 SH   SOLE 0 1,867 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 9,778 142,035 SH   SOLE 0 142,034 0 0
ISHARES S&P SMALL-CAP FUND ETF 464287804 13,367 122,423 SH   SOLE 0 122,423 0 0
PRA GROUP INC COM Stock 69354N106 1,951 46,302 SH   SOLE 0 46,302 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 217 795 SH   SOLE 0 795 0 0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 542 6,581 SH   SOLE 0 6,581 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 580 217 SH   SOLE 0 217 0 0
MICROSOFT CORP COM Stock 594918104 1,172 4,156 SH   SOLE 0 4,156 0 0
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 239 77,264 SH   SOLE 0 77,263 0 0
VANGUARD MID-CAP INDEX FUND ETF 922908629 253 1,068 SH   SOLE 0 1,068 0 0
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 1,035 5,150 SH   SOLE 0 5,150 0 0
NEXTERA ENERGY INC COM Stock 65339F101 206 2,624 SH   SOLE 0 2,624 0 0
ATLANTIC UN BANKSHARES CORP COM Stock 04911A107 232 6,303 SH   SOLE 0 6,303 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 685 2,772 SH   SOLE 0 2,772 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 11,038 294,103 SH   SOLE 0 294,103 0 0
NEWMARKET CORP COM Stock 651587107 1,305 3,852 SH   SOLE 0 3,852 0 0
VANGUARD INDUSTRIALS INDEX FUND ETF 92204A603 3,402 18,107 SH   SOLE 0 18,107 0 0
VANGUARD INFORMATION TECHNOLOGY INDEX FUND ETF 92204A702 256 638 SH   SOLE 0 638 0 0
VANGUARD S&P 500 ETF ETF 922908363 26,901 419,615 SH   SOLE 0 419,614 0 0
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 3,668 7,627 SH   SOLE 0 7,627 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 1,464 9,769 SH   SOLE 0 9,769 0 0
SPDR S&P 600 SMALL CAP ETF ETF 78464A813 411 4,343 SH   SOLE 0 4,343 0 0
SPDR S&P 600 SMALL CAP VALUE ETF ETF 78464A300 6,605 80,589 SH   SOLE 0 80,589 0 0
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821 311 4,106 SH   SOLE 0 4,106 0 0
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839 237 3,573 SH   SOLE 0 3,573 0 0
LILLY ELI & CO COM Stock 532457108 644 2,787 SH   SOLE 0 2,787 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 17,820 81,462 SH   SOLE 0 81,462 0 0
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 572 9,408 SH   SOLE 0 9,407 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 291 2,540 SH   SOLE 0 2,540 0 0
MARATHON PETE CORP COM Stock 56585A102 302 4,878 SH   SOLE 0 4,878 0 0
TOWNEBANK PORTSMOUTH VA COM Stock 89214P109 340 10,945 SH   SOLE 0 10,945 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 526 7,087 SH   SOLE 0 7,087 0 0
VISA INC COM CL A Stock 92826C839 301 1,351 SH   SOLE 0 1,351 0 0
VANGUARD VALUE INDEX FUND ETF 922908744 4,367 32,263 SH   SOLE 0 32,263 0 0
VANGUARD GROWTH INDEX FUND ETF 922908736 14,831 51,112 SH   SOLE 0 51,112 0 0
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND ETF 97717W604 4,845 157,146 SH   SOLE 0 157,146 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 10,345 167,510 SH   SOLE 0 167,509 0 0
INVESCO S&P 500 QUALITY ETF ETF 46137V241 296 6,098 SH   SOLE 0 6,097 0 0
QUALCOMM INC COM Stock 747525103 261 2,027 SH   SOLE 0 2,027 0 0
ISHARES GLOBAL FINANCIALS ETF ETF 464287333 5,147 65,606 SH   SOLE 0 65,606 0 0
MCDONALDS CORP COM Stock 580135101 292 1,209 SH   SOLE 0 1,209 0 0
CISCO SYS INC COM Stock 17275R102 380 6,973 SH   SOLE 0 6,973 0 0
WISDOMTREE U.S. MIDCAP DIVIDEND FUND ETF 97717W505 5,771 139,229 SH   SOLE 0 139,229 0 0
VANGUARD FINANCIALS INDEX FUND ETF 92204A405 247 2,662 SH   SOLE 0 2,662 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 2,075 39,826 SH   SOLE 0 39,826 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 15,150 116,506 SH   SOLE 0 116,506 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 19,126 106,579 SH   SOLE 0 106,578 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 6,139 62,742 SH   SOLE 0 62,741 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 46,787 321,740 SH   SOLE 0 321,740 0 0
WISDOMTREE U.S. DIVIDEND EX-FINANCIALS FUND ETF 97717W406 6,943 73,878 SH   SOLE 0 73,878 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 98,388 1,331,191 SH   SOLE 0 1,331,190 0 0
WELLS FARGO CO NEW COM Stock 949746101 232 5,002 SH   SOLE 0 5,002 0 0
INVESCO DWA MOMENTUM ETF ETF 46137V837 274 3,067 SH   SOLE 0 3,067 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 319 1,948 SH   SOLE 0 1,948 0 0
ALBEMARLE CORP COM Stock 012653101 350 1,600 SH   SOLE 0 1,600 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 30,638 606,818 SH   SOLE 0 606,817 0 0
VANGUARD CONSUMER DISCRETIONARY INDEX FUND ETF 92204A108 5,942 19,170 SH   SOLE 0 19,170 0 0
INVESCO S&P 500 PURE GROWTH ETF ETF 46137V266 301 1,561 SH   SOLE 0 1,561 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763 11,123 94,625 SH   SOLE 0 94,625 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 206 2,394 SH   SOLE 0 2,394 0 0
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 27,431 265,418 SH   SOLE 0 265,417 0 0
SIENTRA INC COM Stock 82621J105 110 19,184 SH   SOLE 0 19,184 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 429 161 SH   SOLE 0 161 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258 322 4,243 SH   SOLE 0 4,242 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 480 3,128 SH   SOLE 0 3,128 0 0
INVESCO BUYBACK ACHIEVERS ETF ETF 46137V308 326 3,621 SH   SOLE 0 3,620 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 7,818 77,657 SH   SOLE 0 77,657 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 26,611 336,037 SH   SOLE 0 336,036 0 0
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705 19,601 190,228 SH   SOLE 0 190,228 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 860 13,436 SH   SOLE 0 13,436 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 514 13,183 SH   SOLE 0 13,183 0 0
PHILIP MORRIS INTL INC COM Stock 718172109 213 2,246 SH   SOLE 0 2,246 0 0
DOMINION ENERGY INC COM Stock 25746U109 2,022 27,690 SH   SOLE 0 27,690 0 0
VANECK INTERMEDIATE MUNI ETF ETF 92189H201 316 6,170 SH   SOLE 0 6,170 0 0
ISHARES S&P MIDCAP FUND ETF 464287507 26,345 100,143 SH   SOLE 0 100,142 0 0
ISHARES MSCI EAFE ETF ETF 464287465 18,288 234,433 SH   SOLE 0 234,432 0 0
APPLE INC COM Stock 037833100 3,030 21,416 SH   SOLE 0 21,416 0 0
DISNEY WALT CO COM Stock 254687106 348 2,057 SH   SOLE 0 2,057 0 0
VANGUARD TOTAL WORLD STOCK INDEX FUND ETF 922042742 289 2,838 SH   SOLE 0 2,838 0 0