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
AMAZON COM INC COM Stock 023135106   1,288,560 15,340 SH   SOLE 0 15,340 0 0
INVESCO QQQ TRUST ETF 46090E103   814,551 3,059 SH   SOLE 0 3,059 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   41,742,685 335,444 SH   SOLE 0 335,444 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   12 100 SH Call SOLE 0 100 0 0
ELEVANCE HEALTH INC COM Stock 036752103   1,010,551 1,970 SH   SOLE 0 1,970 0 0
JOHNSON & JOHNSON COM Stock 478160104   2,149,477 12,168 SH   SOLE 0 12,168 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   813,896 4,257 SH   SOLE 0 4,257 0 0
INVESCO HIGH YIELD EQUITY DIVIDEND ACHIEVERS ETF ETF 46137V563   12,577,981 607,926 SH   SOLE 0 607,925 0 0
VANGUARD ENERGY ETF ETF 92204A306   2,209,479 18,218 SH   SOLE 0 18,218 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   415,872 911 SH   SOLE 0 911 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   8,117,649 214,186 SH   SOLE 0 214,186 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   2,169,920 14,317 SH   SOLE 0 14,317 0 0
COCA COLA CO COM Stock 191216100   1,397,448 21,969 SH   SOLE 0 21,969 0 0
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109   7,169,708 196,108 SH   SOLE 0 196,108 0 0
TRUIST FINL CORP COM Stock 89832Q109   1,949,216 45,299 SH   SOLE 0 45,299 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106   304,046 1,749 SH   SOLE 0 1,749 0 0
INTEL CORP COM Stock 458140100   381,904 14,450 SH   SOLE 0 14,449 0 0
RELIANCE STEEL & ALUMINUM CO COM Stock 759509102   233,008 1,151 SH   SOLE 0 1,151 0 0
MERCK & CO INC COM Stock 58933Y105   688,556 6,206 SH   SOLE 0 6,206 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   22,548,027 216,247 SH   SOLE 0 216,246 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   19,555,374 51,135 SH   SOLE 0 51,134 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   153 400 SH Call SOLE 0 400 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   38 100 SH Call SOLE 0 100 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   76 200 SH Call SOLE 0 200 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   38 100 SH Call SOLE 0 100 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104   577,927 1,662 SH   SOLE 0 1,662 0 0
STEEL DYNAMICS INC COM Stock 858119100   410,340 4,200 SH   SOLE 0 4,200 0 0
ISHARES S&P 100 ETF ETF 464287101   385,147 2,258 SH   SOLE 0 2,258 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   239,515 6,079 SH   SOLE 0 6,079 0 0
SONOCO PRODS CO COM Stock 835495102   482,645 7,950 SH   SOLE 0 7,950 0 0
PEPSICO INC COM Stock 713448108   1,446,725 8,008 SH   SOLE 0 8,008 0 0
HONEYWELL INTL INC COM Stock 438516106   348,880 1,628 SH   SOLE 0 1,628 0 0
HOME DEPOT INC COM Stock 437076102   957,587 3,032 SH   SOLE 0 3,031 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   700,576 2,933 SH   SOLE 0 2,933 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   17,781,203 130,888 SH   SOLE 0 130,888 0 0
SPDR GOLD SHARES ETF 78463V107   613,758 3,618 SH   SOLE 0 3,618 0 0
SOUTHERN CO COM Stock 842587107   408,894 5,726 SH   SOLE 0 5,726 0 0
BECTON DICKINSON & CO COM Stock 075887109   692,713 2,724 SH   SOLE 0 2,724 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   1,331,502 6,215 SH   SOLE 0 6,215 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   11,832,368 158,717 SH   SOLE 0 158,717 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   14,819,664 156,590 SH   SOLE 0 156,589 0 0
PRA GROUP INC COM Stock 69354N106   1,577,492 46,699 SH   SOLE 0 46,699 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   676,800 2,191 SH   SOLE 0 2,191 0 0
ALPHABET INC CAP STK CL A Stock 02079K305   804,834 9,122 SH   SOLE 0 9,122 0 0
MICROSOFT CORP COM Stock 594918104   16,994,245 70,863 SH   SOLE 0 70,862 0 0
CVS HEALTH CORP COM Stock 126650100   219,649 2,357 SH   SOLE 0 2,357 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND ETF 81369Y852   660,006 13,753 SH   SOLE 0 13,753 0 0
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108   468,711 1 SH   SOLE 0 1 0 0
BOEING CO COM Stock 097023105   247,256 1,298 SH   SOLE 0 1,298 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   3,658,690 19,934 SH   SOLE 0 19,934 0 0
VANGUARD MID-CAP ETF ETF 922908629   3,380,189 16,585 SH   SOLE 0 16,585 0 0
VANGUARD LARGE-CAP ETF ETF 922908637   694,361 3,986 SH   SOLE 0 3,986 0 0
NEXTERA ENERGY INC COM Stock 65339F101   563,297 6,738 SH   SOLE 0 6,738 0 0
NIKE INC CL B Stock 654106103   716,538 6,124 SH   SOLE 0 6,123 0 0
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   14,809,894 256,138 SH   SOLE 0 256,137 0 0
ATLANTIC UN BANKSHARES CORP COM Stock 04911A107   599,524 17,061 SH   SOLE 0 17,061 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504   1,888,653 7,614 SH   SOLE 0 7,614 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   12,485,265 365,066 SH   SOLE 0 365,066 0 0
NORFOLK SOUTHN CORP COM Stock 655844108   1,951,893 7,921 SH   SOLE 0 7,921 0 0
NEWMARKET CORP COM Stock 651587107   1,119,374 3,598 SH   SOLE 0 3,598 0 0
VANGUARD CONSUMER STAPLES ETF ETF 92204A207   824,326 4,303 SH   SOLE 0 4,303 0 0
VANGUARD INDUSTRIALS ETF ETF 92204A603   4,067,210 22,269 SH   SOLE 0 22,269 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   3,109,137 9,734 SH   SOLE 0 9,734 0 0
VANGUARD S&P 500 ETF ETF 922908363   44,238,336 125,913 SH   SOLE 0 125,913 0 0
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   3,776,556 8,529 SH   SOLE 0 8,529 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357   1,066,296 7,549 SH   SOLE 0 7,549 0 0
SPDR S&P 600 SMALL CAP ETF ETF 78464A813   413,434 5,029 SH   SOLE 0 5,029 0 0
SPDR S&P 600 SMALL CAP VALUE ETF ETF 78464A300   5,711,027 76,947 SH   SOLE 0 76,947 0 0
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821   647,781 9,914 SH   SOLE 0 9,914 0 0
SPDR S&P 600 SMALL CAP GROWTH ETF ETF 78464A201   336,494 4,658 SH   SOLE 0 4,658 0 0
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839   607,591 9,388 SH   SOLE 0 9,388 0 0
LILLY ELI & CO COM Stock 532457108   10,996,053 30,057 SH   SOLE 0 30,057 0 0
HASBRO INC COM Stock 418056107   209,203 3,429 SH   SOLE 0 3,429 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   16,688,206 95,711 SH   SOLE 0 95,711 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204   808,266 7,848 SH   SOLE 0 7,848 0 0
AFLAC INC COM Stock 001055102   306,752 4,264 SH   SOLE 0 4,264 0 0
SYSCO CORP COM Stock 871829107   242,347 3,170 SH   SOLE 0 3,170 0 0
ISHARES U.S. AEROSPACE & DEFENSE ETF ETF 464288760   790,850 7,070 SH   SOLE 0 7,070 0 0
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   445,133 6,966 SH   SOLE 0 6,966 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718   2,145,399 21,424 SH   SOLE 0 21,424 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168   399,668 3,314 SH   SOLE 0 3,314 0 0
AMERICAN ELEC PWR CO INC COM Stock 025537101   336,598 3,545 SH   SOLE 0 3,545 0 0
MARATHON PETE CORP COM Stock 56585A102   641,891 5,515 SH   SOLE 0 5,515 0 0
TOWNEBANK PORTSMOUTH VA COM Stock 89214P109   380,720 12,345 SH   SOLE 0 12,345 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   408,434 2,572 SH   SOLE 0 2,572 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   519,262 6,874 SH   SOLE 0 6,874 0 0
VISA INC COM CL A Stock 92826C839   1,011,791 4,870 SH   SOLE 0 4,870 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   392,457 1,957 SH   SOLE 0 1,957 0 0
VANGUARD VALUE ETF ETF 922908744   4,833,641 34,435 SH   SOLE 0 34,435 0 0
VANGUARD GROWTH ETF ETF 922908736   12,817,173 60,143 SH   SOLE 0 60,143 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   525,336 6,195 SH   SOLE 0 6,195 0 0
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND ETF 97717W604   4,260,340 149,801 SH   SOLE 0 149,801 0 0
UNITED BANKSHARES INC WEST VA COM Stock 909907107   287,641 7,104 SH   SOLE 0 7,104 0 0
MONDELEZ INTL INC CL A Stock 609207105   350,646 5,261 SH   SOLE 0 5,261 0 0
ISHARES SHORT TREASURY BOND ETF ETF 464288679   1,026,433 9,338 SH   SOLE 0 9,338 0 0
ABBVIE INC COM Stock 00287Y109   1,191,066 7,370 SH   SOLE 0 7,370 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   9,267,015 198,437 SH   SOLE 0 198,437 0 0
INVESCO S&P 500 QUALITY ETF ETF 46137V241   268,910 6,112 SH   SOLE 0 6,111 0 0
QUALCOMM INC COM Stock 747525103   244,287 2,222 SH   SOLE 0 2,222 0 0
ISHARES GLOBAL FINANCIALS ETF ETF 464287333   5,930,929 84,390 SH   SOLE 0 84,390 0 0
MCDONALDS CORP COM Stock 580135101   3,009,513 11,420 SH   SOLE 0 11,420 0 0
CISCO SYS INC COM Stock 17275R102   549,289 11,530 SH   SOLE 0 11,530 0 0
ISHARES RUSSELL MIDCAP ETF ETF 464287499   392,154 5,814 SH   SOLE 0 5,814 0 0
WISDOMTREE U.S. LARGECAP DIVIDEND FUND ETF 97717W307   301,697 4,870 SH   SOLE 0 4,870 0 0
AT&T INC COM Stock 00206R102   247,081 13,421 SH   SOLE 0 13,421 0 0
WISDOMTREE U.S. MIDCAP DIVIDEND FUND ETF 97717W505   5,501,323 133,722 SH   SOLE 0 133,722 0 0
GLOBAL X S&P 500 COVERED CALL ETF ETF 37954Y475   365,275 9,278 SH   SOLE 0 9,278 0 0
VANGUARD FINANCIALS ETF ETF 92204A405   220,227 2,662 SH   SOLE 0 2,662 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   3,975,896 45,454 SH   SOLE 0 45,454 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   11,908,014 110,188 SH   SOLE 0 110,187 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   14,061,711 108,870 SH   SOLE 0 108,870 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704   7,772,761 79,144 SH   SOLE 0 79,144 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   230,919 3,100 SH   SOLE 0 3,100 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408   44,628,011 307,631 SH   SOLE 0 307,630 0 0
WISDOMTREE U.S. AI ENHANCED VALUE FUND ETF 97717W406   6,103,367 66,482 SH   SOLE 0 66,482 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309   69,477,769 1,187,654 SH   SOLE 0 1,187,654 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   7,255,037 18,883 SH   SOLE 0 18,883 0 0
WELLS FARGO CO NEW COM Stock 949746101   243,363 5,894 SH   SOLE 0 5,894 0 0
INVESCO DWA MOMENTUM ETF ETF 46137V837   293,734 4,134 SH   SOLE 0 4,134 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102   213,879 392 SH   SOLE 0 392 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102   808,413 1,468 SH   SOLE 0 1,468 0 0
VANGUARD MID-CAP VALUE ETF ETF 922908512   294,012 2,174 SH   SOLE 0 2,174 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   792,799 5,912 SH   SOLE 0 5,912 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   225,710 6,848 SH   SOLE 0 6,848 0 0
CHEVRON CORP NEW COM Stock 166764100   821,077 4,575 SH   SOLE 0 4,574 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   270,870 2,567 SH   SOLE 0 2,567 0 0
ALBEMARLE CORP COM Stock 012653101   364,325 1,680 SH   SOLE 0 1,680 0 0
MARKEL CORP COM Stock 570535104   515,139 391 SH   SOLE 0 391 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   32,276,597 769,040 SH   SOLE 0 769,039 0 0
BANK AMERICA CORP COM Stock 060505104   469,377 14,172 SH   SOLE 0 14,172 0 0
VANGUARD CONSUMER DISCRETIONARY ETF ETF 92204A108   5,183,765 23,668 SH   SOLE 0 23,668 0 0
INVESCO S&P 500 PURE GROWTH ETF ETF 46137V266   259,893 1,714 SH   SOLE 0 1,714 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   11,213,484 89,629 SH   SOLE 0 89,629 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   297,278 2,110 SH   SOLE 0 2,110 0 0
ORACLE CORP COM Stock 68389X105   2,353,458 28,792 SH   SOLE 0 28,792 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101   450,911 4,468 SH   SOLE 0 4,468 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   3,258,545 83,595 SH   SOLE 0 83,595 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   26,746,832 247,175 SH   SOLE 0 247,175 0 0
PFIZER INC COM Stock 717081103   544,579 10,628 SH   SOLE 0 10,628 0 0
CATERPILLAR INC COM Stock 149123101   242,784 1,013 SH   SOLE 0 1,013 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   456,338 5,143 SH   SOLE 0 5,143 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258   302,653 3,881 SH   SOLE 0 3,881 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   522,668 3,442 SH   SOLE 0 3,442 0 0
INVESCO BUYBACK ACHIEVERS ETF ETF 46137V308   287,584 3,361 SH   SOLE 0 3,361 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   7,017,889 76,858 SH   SOLE 0 76,857 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   21,420,203 313,619 SH   SOLE 0 313,619 0 0
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   18,432,723 182,864 SH   SOLE 0 182,864 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409   1,566,919 30,924 SH   SOLE 0 30,924 0 0
LAM RESEARCH CORP COM Stock 512807108   667,016 1,587 SH   SOLE 0 1,587 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   1,474,631 37,918 SH   SOLE 0 37,918 0 0
PHILIP MORRIS INTL INC COM Stock 718172109   3,597,349 35,543 SH   SOLE 0 35,543 0 0
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   221,822 3,083 SH   SOLE 0 3,083 0 0
ALTRIA GROUP INC COM Stock 02209S103   4,970,330 108,736 SH   SOLE 0 108,736 0 0
DOMINION ENERGY INC COM Stock 25746U109   5,112,179 83,369 SH   SOLE 0 83,368 0 0
EXXON MOBIL CORP COM Stock 30231G102   1,657,368 15,026 SH   SOLE 0 15,026 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102   617,130 1,164 SH   SOLE 0 1,164 0 0
LOWES COS INC COM Stock 548661107   2,903,525 14,573 SH   SOLE 0 14,573 0 0
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886   213,192 3,024 SH   SOLE 0 3,024 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   703,208 23,685 SH   SOLE 0 23,685 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   27,697,662 114,505 SH   SOLE 0 114,505 0 0
ISHARES MSCI EAFE ETF ETF 464287465   21,979,558 334,850 SH   SOLE 0 334,850 0 0
APPLE INC COM Stock 037833100   11,808,751 90,885 SH   SOLE 0 90,885 0 0
ABBOTT LABS COM Stock 002824100   778,960 7,095 SH   SOLE 0 7,095 0 0
DISNEY WALT CO COM Stock 254687106   433,097 4,985 SH   SOLE 0 4,985 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   2,981,756 34,595 SH   SOLE 0 34,595 0 0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663   469,058 5,128 SH   SOLE 0 5,128 0 0