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
ISHARES TR S&P MC 400VL ETF 464287705 264 2,594 SH   SOLE 0 0 0 2,594
ISHARES TR CORE S&P SCP ETF 464287804 641 5,908 SH   SOLE 0 0 0 5,908
ISHARES TR SP SMCP600VL ETF 464287879 1,648 16,361 SH   SOLE 0 0 0 16,361
ISHARES TR CORE S&P500 ETF 464287200 822 2,065 SH   SOLE 0 0 0 2,065
ISHARES TR RUS 1000 ETF 464287622 290 1,294 SH   SOLE 0 0 0 1,294
ISHARES TR RUS 1000 GRW ETF 464287614 339 1,396 SH   SOLE 0 0 0 1,396
ISHARES TR RUSSELL 2000 ETF 464287655 335 1,517 SH   SOLE 0 0 0 1,517
ISHARES TR CORE S&P US VLU 464287663 427 6,199 SH   SOLE 0 0 0 6,199
ISHARES TR U.S. REAL ES ETF 464287739 210 2,288 SH   SOLE 0 0 0 2,288
SPDR S&P 500 ETF TR TR UNIT 78462F103 648 1,634 SH   SOLE 0 0 0 1,634
ADOBE SYSTEMS INCORPORATED COM 00724F101 834 1,755 SH   SOLE 0 0 0 1,755
AMAZON COM INC COM 023135106 1,077 348 SH   SOLE 0 0 0 348
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 702 2,746 SH   SOLE 0 0 0 2,746
BOEING CO COM 097023105 346 1,358 SH   SOLE 0 0 0 1,358
INVESCO QQQ TR UNIT SER 1 46090E103 1,005 3,150 SH   SOLE 0 0 0 3,150
ALTRIA GROUP INC COM 02209S103 1,252 24,479 SH   SOLE 0 0 0 24,479
INTEL CORP COM 458140100 256 3,993 SH   SOLE 0 0 0 3,993
ISHARES TR RUS 2000 GRW ETF 464287648 1,005 3,341 SH   SOLE 0 0 0 3,341
ORACLE CORP COM 68389X105 1,351 19,260 SH   SOLE 0 0 0 19,260
QUALCOMM INC COM 747525103 262 1,979 SH   SOLE 0 0 0 1,979
DISNEY WALT CO COM 254687106 1,337 7,247 SH   SOLE 0 0 0 7,247
HONEYWELL INTL INC COM 438516106 826 3,806 SH   SOLE 0 0 0 3,806
JOHNSON & JOHNSON COM 478160104 1,447 8,807 SH   SOLE 0 0 0 8,807
MEDTRONIC PLC SHS G5960L103 232 1,962 SH   SOLE 0 0 0 1,962
PFIZER INC COM 717081103 818 22,575 SH   SOLE 0 0 0 22,575
LOWES COS INC COM 548661107 247 1,297 SH   SOLE 0 0 0 1,297
ISHARES TR MSCI EAFE ETF 464287465 546 7,201 SH   SOLE 0 0 0 7,201
CHEVRON CORP NEW COM 166764100 579 5,524 SH   SOLE 0 0 0 5,524
MICROSOFT CORP COM 594918104 1,863 7,901 SH   SOLE 0 0 0 7,901
AT&T INC COM 00206R102 258 8,528 SH   SOLE 0 0 0 8,528
TRUIST FINL CORP COM 89832Q109 371 6,361 SH   SOLE 0 0 0 6,361
CISCO SYS INC COM 17275R102 390 7,537 SH   SOLE 0 0 0 7,537
INTERNATIONAL BUSINESS MACHS COM 459200101 1,046 7,848 SH   SOLE 0 0 0 7,848
COCA COLA CO COM 191216100 231 4,380 SH   SOLE 0 0 0 4,380
LOCKHEED MARTIN CORP COM 539830109 1,330 3,600 SH   SOLE 0 0 0 3,600
PEPSICO INC COM 713448108 532 3,762 SH   SOLE 0 0 0 3,762
VERIZON COMMUNICATIONS INC COM 92343V104 884 15,208 SH   SOLE 0 0 0 15,208
ISHARES TR RUS MID CAP ETF 464287499 337 4,553 SH   SOLE 0 0 0 4,553
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 352 2,648 SH   SOLE 0 0 0 2,648
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 433 2,942 SH   SOLE 0 0 0 2,942
DEERE & CO COM 244199105 309 825 SH   SOLE 0 0 0 825
BK OF AMERICA CORP COM 060505104 1,097 28,355 SH   SOLE 0 0 0 28,355
STARBUCKS CORP COM 855244109 365 3,338 SH   SOLE 0 0 0 3,338
ANALOG DEVICES INC COM 032654105 218 1,407 SH   SOLE 0 0 0 1,407
AUTOMATIC DATA PROCESSING IN COM 053015103 445 2,361 SH   SOLE 0 0 0 2,361
EXXON MOBIL CORP COM 30231G102 5,597 100,256 SH   SOLE 0 0 0 100,256
WALMART INC COM 931142103 1,042 7,670 SH   SOLE 0 0 0 7,670
ANTHEM INC COM 036752103 314 876 SH   SOLE 0 0 0 876
UNION PAC CORP COM 907818108 448 2,030 SH   SOLE 0 0 0 2,030
TEXAS INSTRS INC COM 882508104 478 2,529 SH   SOLE 0 0 0 2,529
CAPITAL ONE FINL CORP COM 14040H105 626 4,920 SH   SOLE 0 0 0 4,920
COSTCO WHSL CORP NEW COM 22160K105 317 900 SH   SOLE 0 0 0 900
LILLY ELI & CO COM 532457108 316 1,690 SH   SOLE 0 0 0 1,690
DOMINION ENERGY INC COM 25746U109 1,225 16,129 SH   SOLE 0 0 0 16,129
DANAHER CORPORATION COM 235851102 214 949 SH   SOLE 0 0 0 949
MERCK & CO. INC COM 58933Y105 1,263 16,385 SH   SOLE 0 0 0 16,385
PROCTER AND GAMBLE CO COM 742718109 792 5,846 SH   SOLE 0 0 0 5,846
GENERAL ELECTRIC CO COM 369604103 193 14,729 SH   SOLE 0 0 0 14,729
HOME DEPOT INC COM 437076102 1,465 4,800 SH   SOLE 0 0 0 4,800
MCDONALDS CORP COM 580135101 491 2,192 SH   SOLE 0 0 0 2,192
NIKE INC CL B 654106103 234 1,760 SH   SOLE 0 0 0 1,760
JPMORGAN CHASE & CO COM 46625H100 963 6,328 SH   SOLE 0 0 0 6,328
MONDELEZ INTL INC CL A 609207105 825 14,101 SH   SOLE 0 0 0 14,101
ABERDEEN ASIA-PACIFIC INCOME COM 003009107 49 11,900 SH   SOLE 0 0 0 11,900
WELLS FARGO CO NEW COM 949746101 326 8,344 SH   SOLE 0 0 0 8,344
FORD MTR CO DEL COM 345370860 155 12,684 SH   SOLE 0 0 0 12,684
UNITEDHEALTH GROUP INC COM 91324P102 900 2,420 SH   SOLE 0 0 0 2,420
RAYTHEON TECHNOLOGIES CORP COM 75513E101 318 4,112 SH   SOLE 0 0 0 4,112
MARRIOTT INTL INC NEW CL A 571903202 202 1,366 SH   SOLE 0 0 0 1,366
3M CO COM 88579Y101 303 1,572 SH   SOLE 0 0 0 1,572
COMCAST CORP NEW CL A 20030N101 958 17,711 SH   SOLE 0 0 0 17,711
VANGUARD INDEX FDS TOTAL STK MKT 922908769 308 1,492 SH   SOLE 0 0 0 1,492
NORFOLK SOUTHN CORP COM 655844108 439 1,635 SH   SOLE 0 0 0 1,635
NEXTERA ENERGY INC COM 65339F101 290 3,842 SH   SOLE 0 0 0 3,842
DUKE ENERGY CORP NEW COM NEW 26441C204 248 2,568 SH   SOLE 0 0 0 2,568
CSX CORP COM 126408103 903 9,366 SH   SOLE 0 0 0 9,366
APPLE INC COM 037833100 3,772 30,883 SH   SOLE 0 0 0 30,883
ISHARES TR MSCI EMG MKT ETF 464287234 352 6,607 SH   SOLE 0 0 0 6,607
ISHARES TR S&P 100 ETF 464287101 656 3,650 SH   SOLE 0 0 0 3,650
AMERICAN EXPRESS CO COM 025816109 233 1,648 SH   SOLE 0 0 0 1,648
AKAMAI TECHNOLOGIES INC COM 00971T101 773 7,583 SH   SOLE 0 0 0 7,583
NORTHROP GRUMMAN CORP COM 666807102 1,437 4,439 SH   SOLE 0 0 0 4,439
ISHARES TR SELECT DIVID ETF 464287168 578 5,068 SH   SOLE 0 0 0 5,068
L3HARRIS TECHNOLOGIES INC COM 502431109 908 4,482 SH   SOLE 0 0 0 4,482
PENN NATL GAMING INC COM 707569109 233 2,220 SH   SOLE 0 0 0 2,220
STEEL DYNAMICS INC COM 858119100 2,379 46,862 SH   SOLE 0 0 0 46,862
ALPHABET INC CAP STK CL A 02079K305 530 257 SH   SOLE 0 0 0 257
VANGUARD INDEX FDS VALUE ETF 922908744 871 6,628 SH   SOLE 0 0 0 6,628
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,173 7,084 SH   SOLE 0 0 0 7,084
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 446 4,850 SH   SOLE 0 0 0 4,850
VANGUARD INDEX FDS SMALL CP ETF 922908751 518 2,421 SH   SOLE 0 0 0 2,421
VANGUARD INDEX FDS GROWTH ETF 922908736 292 1,136 SH   SOLE 0 0 0 1,136
MCCORMICK & CO INC COM NON VTG 579780206 571 6,400 SH   SOLE 0 0 0 6,400
ISHARES GOLD TR ISHARES 464285105 1,058 65,049 SH   SOLE 0 0 0 65,049
THERMO FISHER SCIENTIFIC INC COM 883556102 397 870 SH   SOLE 0 0 0 870
ISHARES TR EAFE VALUE ETF 464288877 726 14,242 SH   SOLE 0 0 0 14,242
VANGUARD WORLD FDS INF TECH ETF 92204A702 457 1,275 SH   SOLE 0 0 0 1,275
COMMUNITY TR BANCORP INC COM 204149108 202 4,593 SH   SOLE 0 0 0 4,593
MASTERCARD INCORPORATED CL A 57636Q104 383 1,077 SH   SOLE 0 0 0 1,077
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 772 12,425 SH   SOLE 0 0 0 12,425
WISDOMTREE TR US HIGH DIVIDEND 97717W208 3,099 40,614 SH   SOLE 0 0 0 40,614
WISDOMTREE TR INTL LRGCAP DV 97717W794 291 6,156 SH   SOLE 0 0 0 6,156
ISHARES TR CORE S&P TTL STK 464287150 723 7,893 SH   SOLE 0 0 0 7,893
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,336 7,210 SH   SOLE 0 0 0 7,210
ATRION CORP COM 049904105 866 1,350 SH   SOLE 0 0 0 1,350
BALCHEM CORP COM 057665200 213 1,701 SH   SOLE 0 0 0 1,701
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 307 4,150 SH   SOLE 0 0 0 4,150
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,846 22,462 SH   SOLE 0 0 0 22,462
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,237 13,938 SH   SOLE 0 0 0 13,938
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,312 27,294 SH   SOLE 0 0 0 27,294
BLACKSTONE GROUP INC COM 09260D107 346 4,649 SH   SOLE 0 0 0 4,649
WISDOMTREE TR EMER MKT HIGH FD 97717W315 244 5,506 SH   SOLE 0 0 0 5,506
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 402 8,182 SH   SOLE 0 0 0 8,182
ISHARES TR NATIONAL MUN ETF 464288414 640 5,519 SH   SOLE 0 0 0 5,519
OLD POINT FINL CORP COM 680194107 925 39,348 SH   SOLE 0 0 0 39,348
TOWNEBANK PORTSMOUTH VA COM 89214P109 1,443 47,481 SH   SOLE 0 0 0 47,481
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 952 7,412 SH   SOLE 0 0 0 7,412
SPDR SER TR BLMBRG BRC CNVRT 78464A359 209 2,504 SH   SOLE 0 0 0 2,504
ISHARES TR EAFE SML CP ETF 464288273 1,362 18,956 SH   SOLE 0 0 0 18,956
VISA INC COM CL A 92826C839 753 3,557 SH   SOLE 0 0 0 3,557
PHILIP MORRIS INTL INC COM 718172109 1,808 20,371 SH   SOLE 0 0 0 20,371
ISHARES TR SHRT NAT MUN ETF 464288158 562 5,214 SH   SOLE 0 0 0 5,214
SPDR SER TR WELLS FG PFD ETF 78464A292 218 5,015 SH   SOLE 0 0 0 5,015
TESLA INC COM 88160R101 588 881 SH   SOLE 0 0 0 881
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 403 7,849 SH   SOLE 0 0 0 7,849
ISHARES TR 0-5 YR TIPS ETF 46429B747 991 9,372 SH   SOLE 0 0 0 9,372
ENPHASE ENERGY INC COM 29355A107 2,351 14,498 SH   SOLE 0 0 0 14,498
FACEBOOK INC CL A 30303M102 854 2,898 SH   SOLE 0 0 0 2,898
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 378 16,550 SH   SOLE 0 0 0 16,550
ISHARES INC CORE MSCI EMKT 46434G103 704 10,933 SH   SOLE 0 0 0 10,933
ISHARES TR CORE MSCI EAFE 46432F842 438 6,080 SH   SOLE 0 0 0 6,080
ISHARES TR CORE 1 5 YR USD 46432F859 900 17,542 SH   SOLE 0 0 0 17,542
VANECK VECTORS ETF TR SHRT HGH YLD MUN 92189F387 208 8,309 SH   SOLE 0 0 0 8,309
ALPHABET INC CAP STK CL C 02079K107 356 172 SH   SOLE 0 0 0 172
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 284 1,254 SH   SOLE 0 0 0 1,254
INVESCO EXCH TRADED FD TR II RUSEL 1000 EQL 46138E420 289 6,735 SH   SOLE 0 0 0 6,735
ISHARES TR MSCI INTL SML CP 46434V266 235 6,720 SH   SOLE 0 0 0 6,720
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,976 109,366 SH   SOLE 0 0 0 109,366
GOLDMAN SACHS ETF TR ACTIVEBETA US 381430602 475 7,620 SH   SOLE 0 0 0 7,620
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 6,166 218,821 SH   SOLE 0 0 0 218,821
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 3,469 124,409 SH   SOLE 0 0 0 124,409
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 3,207 114,261 SH   SOLE 0 0 0 114,261