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 273 2,594 SH   SOLE 0 0 0 2,594
ISHARES TR CORE S&P SCP ETF 464287804 617 5,462 SH   SOLE 0 0 0 5,462
ISHARES TR SP SMCP600VL ETF 464287879 1,607 15,241 SH   SOLE 0 0 0 15,241
ISHARES TR CORE S&P500 ETF 464287200 868 2,018 SH   SOLE 0 0 0 2,018
ISHARES TR RUS 1000 ETF 464287622 314 1,295 SH   SOLE 0 0 0 1,295
ISHARES TR RUS 1000 GRW ETF 464287614 379 1,396 SH   SOLE 0 0 0 1,396
ISHARES TR RUSSELL 2000 ETF 464287655 325 1,418 SH   SOLE 0 0 0 1,418
ISHARES TR CORE S&P US VLU 464287663 409 5,689 SH   SOLE 0 0 0 5,689
SPDR S&P 500 ETF TR TR UNIT 78462F103 688 1,608 SH   SOLE 0 0 0 1,608
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,028 1,755 SH   SOLE 0 0 0 1,755
AMAZON COM INC COM 023135106 1,263 367 SH   SOLE 0 0 0 367
BRISTOL-MYERS SQUIBB CO COM 110122108 204 3,046 SH   SOLE 0 0 0 3,046
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 763 2,746 SH   SOLE 0 0 0 2,746
BOEING CO COM 097023105 325 1,358 SH   SOLE 0 0 0 1,358
INVESCO QQQ TR UNIT SER 1 46090E103 1,118 3,153 SH   SOLE 0 0 0 3,153
ALTRIA GROUP INC COM 02209S103 911 19,099 SH   SOLE 0 0 0 19,099
INTEL CORP COM 458140100 224 3,994 SH   SOLE 0 0 0 3,994
ISHARES TR RUS 2000 GRW ETF 464287648 1,022 3,278 SH   SOLE 0 0 0 3,278
ORACLE CORP COM 68389X105 1,496 19,215 SH   SOLE 0 0 0 19,215
QUALCOMM INC COM 747525103 279 1,953 SH   SOLE 0 0 0 1,953
DISNEY WALT CO COM 254687106 1,275 7,252 SH   SOLE 0 0 0 7,252
HONEYWELL INTL INC COM 438516106 836 3,811 SH   SOLE 0 0 0 3,811
JOHNSON & JOHNSON COM 478160104 1,507 9,147 SH   SOLE 0 0 0 9,147
MEDTRONIC PLC SHS G5960L103 244 1,962 SH   SOLE 0 0 0 1,962
PFIZER INC COM 717081103 852 21,763 SH   SOLE 0 0 0 21,763
LOWES COS INC COM 548661107 252 1,297 SH   SOLE 0 0 0 1,297
ISHARES TR MSCI EAFE ETF 464287465 564 7,149 SH   SOLE 0 0 0 7,149
CHEVRON CORP NEW COM 166764100 557 5,319 SH   SOLE 0 0 0 5,319
MICROSOFT CORP COM 594918104 2,155 7,954 SH   SOLE 0 0 0 7,954
AT&T INC COM 00206R102 262 9,096 SH   SOLE 0 0 0 9,096
TRUIST FINL CORP COM 89832Q109 348 6,277 SH   SOLE 0 0 0 6,277
CISCO SYS INC COM 17275R102 400 7,540 SH   SOLE 0 0 0 7,540
INTERNATIONAL BUSINESS MACHS COM 459200101 1,106 7,548 SH   SOLE 0 0 0 7,548
COCA COLA CO COM 191216100 286 5,280 SH   SOLE 0 0 0 5,280
LOCKHEED MARTIN CORP COM 539830109 1,362 3,600 SH   SOLE 0 0 0 3,600
PEPSICO INC COM 713448108 557 3,762 SH   SOLE 0 0 0 3,762
VERIZON COMMUNICATIONS INC COM 92343V104 886 15,808 SH   SOLE 0 0 0 15,808
ISHARES TR RUS MID CAP ETF 464287499 361 4,553 SH   SOLE 0 0 0 4,553
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 391 2,648 SH   SOLE 0 0 0 2,648
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 448 2,892 SH   SOLE 0 0 0 2,892
DEERE & CO COM 244199105 293 832 SH   SOLE 0 0 0 832
BK OF AMERICA CORP COM 060505104 1,107 26,855 SH   SOLE 0 0 0 26,855
STARBUCKS CORP COM 855244109 373 3,340 SH   SOLE 0 0 0 3,340
ANALOG DEVICES INC COM 032654105 242 1,407 SH   SOLE 0 0 0 1,407
AUTOMATIC DATA PROCESSING IN COM 053015103 471 2,371 SH   SOLE 0 0 0 2,371
EXXON MOBIL CORP COM 30231G102 6,237 98,873 SH   SOLE 0 0 0 98,873
WALMART INC COM 931142103 1,082 7,671 SH   SOLE 0 0 0 7,671
ANTHEM INC COM 036752103 421 1,102 SH   SOLE 0 0 0 1,102
UNION PAC CORP COM 907818108 416 1,890 SH   SOLE 0 0 0 1,890
TEXAS INSTRS INC COM 882508104 486 2,529 SH   SOLE 0 0 0 2,529
TARGET CORP COM 87612E106 225 932 SH   SOLE 0 0 0 932
CAPITAL ONE FINL CORP COM 14040H105 761 4,920 SH   SOLE 0 0 0 4,920
COSTCO WHSL CORP NEW COM 22160K105 356 900 SH   SOLE 0 0 0 900
LILLY ELI & CO COM 532457108 388 1,690 SH   SOLE 0 0 0 1,690
DOMINION ENERGY INC COM 25746U109 1,231 16,733 SH   SOLE 0 0 0 16,733
DANAHER CORPORATION COM 235851102 255 949 SH   SOLE 0 0 0 949
MERCK & CO INC COM 58933Y105 1,287 16,548 SH   SOLE 0 0 0 16,548
PROCTER AND GAMBLE CO COM 742718109 939 6,958 SH   SOLE 0 0 0 6,958
GENERAL ELECTRIC CO COM 369604103 198 14,729 SH   SOLE 0 0 0 14,729
HOME DEPOT INC COM 437076102 1,531 4,801 SH   SOLE 0 0 0 4,801
MCDONALDS CORP COM 580135101 506 2,192 SH   SOLE 0 0 0 2,192
NIKE INC CL B 654106103 272 1,760 SH   SOLE 0 0 0 1,760
JPMORGAN CHASE & CO COM 46625H100 943 6,061 SH   SOLE 0 0 0 6,061
MONDELEZ INTL INC CL A 609207105 822 13,167 SH   SOLE 0 0 0 13,167
WELLS FARGO CO NEW COM 949746101 370 8,166 SH   SOLE 0 0 0 8,166
FORD MTR CO DEL COM 345370860 197 13,265 SH   SOLE 0 0 0 13,265
UNITEDHEALTH GROUP INC COM 91324P102 969 2,420 SH   SOLE 0 0 0 2,420
RAYTHEON TECHNOLOGIES CORP COM 75513E101 351 4,111 SH   SOLE 0 0 0 4,111
MARRIOTT INTL INC NEW CL A 571903202 549 4,024 SH   SOLE 0 0 0 4,024
3M CO COM 88579Y101 312 1,573 SH   SOLE 0 0 0 1,573
COMCAST CORP NEW CL A 20030N101 1,010 17,711 SH   SOLE 0 0 0 17,711
VANGUARD INDEX FDS TOTAL STK MKT 922908769 841 3,773 SH   SOLE 0 0 0 3,773
NORFOLK SOUTHN CORP COM 655844108 434 1,635 SH   SOLE 0 0 0 1,635
NEXTERA ENERGY INC COM 65339F101 282 3,842 SH   SOLE 0 0 0 3,842
DUKE ENERGY CORP NEW COM NEW 26441C204 248 2,515 SH   SOLE 0 0 0 2,515
CSX CORP COM 126408103 901 28,098 SH   SOLE 0 0 0 28,098
APPLE INC COM 037833100 4,491 32,793 SH   SOLE 0 0 0 32,793
ISHARES TR MSCI EMG MKT ETF 464287234 358 6,496 SH   SOLE 0 0 0 6,496
TAPESTRY INC COM 876030107 210 4,823 SH   SOLE 0 0 0 4,823
ISHARES TR S&P 100 ETF 464287101 716 3,651 SH   SOLE 0 0 0 3,651
AMERICAN EXPRESS CO COM 025816109 220 1,329 SH   SOLE 0 0 0 1,329
AKAMAI TECHNOLOGIES INC COM 00971T101 892 7,646 SH   SOLE 0 0 0 7,646
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 211 3,876 SH   SOLE 0 0 0 3,876
NORTHROP GRUMMAN CORP COM 666807102 1,612 4,435 SH   SOLE 0 0 0 4,435
ISHARES TR SELECT DIVID ETF 464287168 586 5,025 SH   SOLE 0 0 0 5,025
L3HARRIS TECHNOLOGIES INC COM 502431109 1,185 5,482 SH   SOLE 0 0 0 5,482
STEEL DYNAMICS INC COM 858119100 2,793 46,862 SH   SOLE 0 0 0 46,862
ALPHABET INC CAP STK CL A 02079K305 628 257 SH   SOLE 0 0 0 257
VANGUARD INDEX FDS VALUE ETF 922908744 1,185 8,623 SH   SOLE 0 0 0 8,623
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,795 10,338 SH   SOLE 0 0 0 10,338
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 614 6,033 SH   SOLE 0 0 0 6,033
VANGUARD INDEX FDS SMALL CP ETF 922908751 277 1,231 SH   SOLE 0 0 0 1,231
VANGUARD INDEX FDS GROWTH ETF 922908736 326 1,137 SH   SOLE 0 0 0 1,137
MCCORMICK & CO INC COM NON VTG 579780206 565 6,400 SH   SOLE 0 0 0 6,400
ISHARES GOLD TR ISHARES NEW 464285204 1,089 32,316 SH   SOLE 0 0 0 32,316
THERMO FISHER SCIENTIFIC INC COM 883556102 439 870 SH   SOLE 0 0 0 870
ISHARES TR EAFE VALUE ETF 464288877 821 15,861 SH   SOLE 0 0 0 15,861
VANGUARD WORLD FDS INF TECH ETF 92204A702 508 1,275 SH   SOLE 0 0 0 1,275
MASTERCARD INCORPORATED CL A 57636Q104 393 1,077 SH   SOLE 0 0 0 1,077
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 759 11,925 SH   SOLE 0 0 0 11,925
WISDOMTREE TR US HIGH DIVIDEND 97717W208 3,067 39,209 SH   SOLE 0 0 0 39,209
WISDOMTREE TR INTL LRGCAP DV 97717W794 268 5,439 SH   SOLE 0 0 0 5,439
ISHARES TR CORE S&P TTL STK 464287150 735 7,445 SH   SOLE 0 0 0 7,445
VANGUARD INDEX FDS LARGE CAP ETF 922908637 607 3,022 SH   SOLE 0 0 0 3,022
ATRION CORP COM 049904105 838 1,350 SH   SOLE 0 0 0 1,350
BALCHEM CORP COM 057665200 223 1,701 SH   SOLE 0 0 0 1,701
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 336 4,350 SH   SOLE 0 0 0 4,350
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,920 35,543 SH   SOLE 0 0 0 35,543
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,250 13,898 SH   SOLE 0 0 0 13,898
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,551 29,703 SH   SOLE 0 0 0 29,703
BLACKSTONE GROUP INC COM 09260D107 403 4,149 SH   SOLE 0 0 0 4,149
WISDOMTREE TR EMER MKT HIGH FD 97717W315 241 5,274 SH   SOLE 0 0 0 5,274
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 422 8,182 SH   SOLE 0 0 0 8,182
ISHARES TR NATIONAL MUN ETF 464288414 427 3,645 SH   SOLE 0 0 0 3,645
OLD POINT FINL CORP COM 680194107 955 39,348 SH   SOLE 0 0 0 39,348
TOWNEBANK PORTSMOUTH VA COM 89214P109 1,445 47,488 SH   SOLE 0 0 0 47,488
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,020 7,472 SH   SOLE 0 0 0 7,472
SPDR SER TR BLMBRG BRC CNVRT 78464A359 282 3,254 SH   SOLE 0 0 0 3,254
ISHARES TR EAFE SML CP ETF 464288273 1,406 18,963 SH   SOLE 0 0 0 18,963
VISA INC COM CL A 92826C839 832 3,557 SH   SOLE 0 0 0 3,557
PHILIP MORRIS INTL INC COM 718172109 1,899 19,156 SH   SOLE 0 0 0 19,156
ISHARES TR SHRT NAT MUN ETF 464288158 509 4,721 SH   SOLE 0 0 0 4,721
TESLA INC COM 88160R101 735 1,081 SH   SOLE 0 0 0 1,081
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 320 6,245 SH   SOLE 0 0 0 6,245
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,020 9,595 SH   SOLE 0 0 0 9,595
ENPHASE ENERGY INC COM 29355A107 2,219 12,083 SH   SOLE 0 0 0 12,083
FACEBOOK INC CL A 30303M102 1,008 2,898 SH   SOLE 0 0 0 2,898
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 422 17,270 SH   SOLE 0 0 0 17,270
ISHARES INC CORE MSCI EMKT 46434G103 792 11,825 SH   SOLE 0 0 0 11,825
ISHARES TR CORE MSCI EAFE 46432F842 512 6,843 SH   SOLE 0 0 0 6,843
ISHARES TR CORE 1 5 YR USD 46432F859 910 17,745 SH   SOLE 0 0 0 17,745
ALPHABET INC CAP STK CL C 02079K107 431 172 SH   SOLE 0 0 0 172
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 265 1,170 SH   SOLE 0 0 0 1,170
INVESCO EXCH TRADED FD TR II RUSEL 1000 EQL 46138E420 315 6,885 SH   SOLE 0 0 0 6,885
ISHARES TR MSCI INTL QUALTY 46434V456 246 6,372 SH   SOLE 0 0 0 6,372
PAYPAL HLDGS INC COM 70450Y103 209 716 SH   SOLE 0 0 0 716
ISHARES TR MSCI INTL SML CP 46434V266 247 6,720 SH   SOLE 0 0 0 6,720
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 6,327 114,418 SH   SOLE 0 0 0 114,418
GOLDMAN SACHS ETF TR ACTIVEBETA US 381430602 495 7,620 SH   SOLE 0 0 0 7,620
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 8,940 295,920 SH   SOLE 0 0 0 295,920
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 4,795 164,095 SH   SOLE 0 0 0 164,095
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 3,609 121,817 SH   SOLE 0 0 0 121,817
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 9,240 196,066 SH   SOLE 0 0 0 196,066
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 17,004 630,246 SH   SOLE 0 0 0 630,246
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 5,935 101,634 SH   SOLE 0 0 0 101,634
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 16,197 361,503 SH   SOLE 0 0 0 361,503
SPDR S&P 500 ETF TR TR UNIT 78462F103 30 2,700 SH Put SOLE 0 0 0 2,700