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 267 2,594 SH   SOLE 0 0 0 2,594
ISHARES TR CORE S&P SCP ETF 464287804 557 5,104 SH   SOLE 0 0 0 5,104
ISHARES TR SP SMCP600VL ETF 464287879 1,576 15,652 SH   SOLE 0 0 0 15,652
ISHARES TR CORE S&P500 ETF 464287200 942 2,186 SH   SOLE 0 0 0 2,186
ISHARES TR RUS 1000 ETF 464287622 313 1,297 SH   SOLE 0 0 0 1,297
ISHARES TR RUS 1000 GRW ETF 464287614 394 1,436 SH   SOLE 0 0 0 1,436
ISHARES TR RUSSELL 2000 ETF 464287655 319 1,460 SH   SOLE 0 0 0 1,460
ISHARES TR CORE S&P US VLU 464287663 392 5,524 SH   SOLE 0 0 0 5,524
SPDR S&P 500 ETF TR TR UNIT 78462F103 688 1,604 SH   SOLE 0 0 0 1,604
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,010 1,755 SH   SOLE 0 0 0 1,755
AMAZON COM INC COM 023135106 1,206 367 SH   SOLE 0 0 0 367
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 749 2,746 SH   SOLE 0 0 0 2,746
BOEING CO COM 097023105 299 1,358 SH   SOLE 0 0 0 1,358
INVESCO QQQ TR UNIT SER 1 46090E103 1,287 3,596 SH   SOLE 0 0 0 3,596
ALTRIA GROUP INC COM 02209S103 702 15,415 SH   SOLE 0 0 0 15,415
INTEL CORP COM 458140100 239 4,481 SH   SOLE 0 0 0 4,481
ISHARES TR RUS 2000 GRW ETF 464287648 709 2,413 SH   SOLE 0 0 0 2,413
ORACLE CORP COM 68389X105 1,604 18,409 SH   SOLE 0 0 0 18,409
QUALCOMM INC COM 747525103 254 1,973 SH   SOLE 0 0 0 1,973
DISNEY WALT CO COM 254687106 1,208 7,141 SH   SOLE 0 0 0 7,141
HONEYWELL INTL INC COM 438516106 808 3,806 SH   SOLE 0 0 0 3,806
JOHNSON & JOHNSON COM 478160104 1,479 9,160 SH   SOLE 0 0 0 9,160
MEDTRONIC PLC SHS G5960L103 246 1,962 SH   SOLE 0 0 0 1,962
PFIZER INC COM 717081103 936 21,767 SH   SOLE 0 0 0 21,767
LOWES COS INC COM 548661107 301 1,486 SH   SOLE 0 0 0 1,486
ISHARES TR MSCI EAFE ETF 464287465 556 7,129 SH   SOLE 0 0 0 7,129
CHEVRON CORP NEW COM 166764100 505 4,980 SH   SOLE 0 0 0 4,980
MICROSOFT CORP COM 594918104 2,246 7,968 SH   SOLE 0 0 0 7,968
AT&T INC COM 00206R102 220 8,161 SH   SOLE 0 0 0 8,161
TRUIST FINL CORP COM 89832Q109 318 5,427 SH   SOLE 0 0 0 5,427
CISCO SYS INC COM 17275R102 411 7,542 SH   SOLE 0 0 0 7,542
INTERNATIONAL BUSINESS MACHS COM 459200101 1,017 7,323 SH   SOLE 0 0 0 7,323
COCA COLA CO COM 191216100 257 4,900 SH   SOLE 0 0 0 4,900
LOCKHEED MARTIN CORP COM 539830109 1,242 3,600 SH   SOLE 0 0 0 3,600
PEPSICO INC COM 713448108 567 3,772 SH   SOLE 0 0 0 3,772
VERIZON COMMUNICATIONS INC COM 92343V104 837 15,497 SH   SOLE 0 0 0 15,497
ISHARES TR RUS MID CAP ETF 464287499 356 4,553 SH   SOLE 0 0 0 4,553
ISHARES TR RUS MD CP GR ETF 464287481 217 1,932 SH   SOLE 0 0 0 1,932
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 395 2,648 SH   SOLE 0 0 0 2,648
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 449 2,920 SH   SOLE 0 0 0 2,920
DEERE & CO COM 244199105 614 1,832 SH   SOLE 0 0 0 1,832
BK OF AMERICA CORP COM 060505104 1,140 26,855 SH   SOLE 0 0 0 26,855
STARBUCKS CORP COM 855244109 369 3,341 SH   SOLE 0 0 0 3,341
ANALOG DEVICES INC COM 032654105 202 1,207 SH   SOLE 0 0 0 1,207
AUTOMATIC DATA PROCESSING IN COM 053015103 474 2,371 SH   SOLE 0 0 0 2,371
EXXON MOBIL CORP COM 30231G102 5,779 98,244 SH   SOLE 0 0 0 98,244
WALMART INC COM 931142103 1,073 7,701 SH   SOLE 0 0 0 7,701
ANTHEM INC COM 036752103 400 1,074 SH   SOLE 0 0 0 1,074
UNION PAC CORP COM 907818108 371 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 220 960 SH   SOLE 0 0 0 960
CAPITAL ONE FINL CORP COM 14040H105 797 4,920 SH   SOLE 0 0 0 4,920
COSTCO WHSL CORP NEW COM 22160K105 405 900 SH   SOLE 0 0 0 900
LILLY ELI & CO COM 532457108 436 1,889 SH   SOLE 0 0 0 1,889
DOMINION ENERGY INC COM 25746U109 1,149 15,737 SH   SOLE 0 0 0 15,737
DANAHER CORPORATION COM 235851102 289 949 SH   SOLE 0 0 0 949
MERCK & CO INC COM 58933Y105 1,243 16,548 SH   SOLE 0 0 0 16,548
PROCTER AND GAMBLE CO COM 742718109 973 6,958 SH   SOLE 0 0 0 6,958
HOME DEPOT INC COM 437076102 1,412 4,301 SH   SOLE 0 0 0 4,301
MCDONALDS CORP COM 580135101 538 2,233 SH   SOLE 0 0 0 2,233
NIKE INC CL B 654106103 256 1,760 SH   SOLE 0 0 0 1,760
JPMORGAN CHASE & CO COM 46625H100 992 6,061 SH   SOLE 0 0 0 6,061
MONDELEZ INTL INC CL A 609207105 736 12,651 SH   SOLE 0 0 0 12,651
WELLS FARGO CO NEW COM 949746101 322 6,928 SH   SOLE 0 0 0 6,928
UNITEDHEALTH GROUP INC COM 91324P102 934 2,390 SH   SOLE 0 0 0 2,390
RAYTHEON TECHNOLOGIES CORP COM 75513E101 353 4,111 SH   SOLE 0 0 0 4,111
MARRIOTT INTL INC NEW CL A 571903202 592 3,997 SH   SOLE 0 0 0 3,997
3M CO COM 88579Y101 276 1,573 SH   SOLE 0 0 0 1,573
COMCAST CORP NEW CL A 20030N101 988 17,658 SH   SOLE 0 0 0 17,658
VANGUARD INDEX FDS TOTAL STK MKT 922908769 853 3,843 SH   SOLE 0 0 0 3,843
NORFOLK SOUTHN CORP COM 655844108 391 1,635 SH   SOLE 0 0 0 1,635
NEXTERA ENERGY INC COM 65339F101 302 3,842 SH   SOLE 0 0 0 3,842
DUKE ENERGY CORP NEW COM NEW 26441C204 326 3,337 SH   SOLE 0 0 0 3,337
CSX CORP COM 126408103 887 29,826 SH   SOLE 0 0 0 29,826
APPLE INC COM 037833100 4,720 33,359 SH   SOLE 0 0 0 33,359
CATERPILLAR INC COM 149123101 265 1,381 SH   SOLE 0 0 0 1,381
ISHARES TR MSCI EMG MKT ETF 464287234 322 6,394 SH   SOLE 0 0 0 6,394
ISHARES TR S&P 100 ETF 464287101 687 3,478 SH   SOLE 0 0 0 3,478
AMERICAN EXPRESS CO COM 025816109 223 1,329 SH   SOLE 0 0 0 1,329
AKAMAI TECHNOLOGIES INC COM 00971T101 800 7,646 SH   SOLE 0 0 0 7,646
NORTHROP GRUMMAN CORP COM 666807102 1,575 4,374 SH   SOLE 0 0 0 4,374
ISHARES TR SELECT DIVID ETF 464287168 523 4,562 SH   SOLE 0 0 0 4,562
L3HARRIS TECHNOLOGIES INC COM 502431109 987 4,482 SH   SOLE 0 0 0 4,482
STEEL DYNAMICS INC COM 858119100 2,740 46,862 SH   SOLE 0 0 0 46,862
ALPHABET INC CAP STK CL A 02079K305 687 257 SH   SOLE 0 0 0 257
VANGUARD INDEX FDS VALUE ETF 922908744 1,934 14,288 SH   SOLE 0 0 0 14,288
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,170 12,823 SH   SOLE 0 0 0 12,823
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 638 6,273 SH   SOLE 0 0 0 6,273
VANGUARD INDEX FDS SMALL CP ETF 922908751 270 1,233 SH   SOLE 0 0 0 1,233
VANGUARD INDEX FDS GROWTH ETF 922908736 334 1,152 SH   SOLE 0 0 0 1,152
MCCORMICK & CO INC COM NON VTG 579780206 519 6,400 SH   SOLE 0 0 0 6,400
ISHARES GOLD TR ISHARES NEW 464285204 1,226 36,710 SH   SOLE 0 0 0 36,710
THERMO FISHER SCIENTIFIC INC COM 883556102 497 870 SH   SOLE 0 0 0 870
ISHARES TR EAFE VALUE ETF 464288877 848 16,676 SH   SOLE 0 0 0 16,676
ENBRIDGE INC COM 29250N105 230 5,776 SH   SOLE 0 0 0 5,776
VANGUARD WORLD FDS INF TECH ETF 92204A702 516 1,285 SH   SOLE 0 0 0 1,285
MASTERCARD INCORPORATED CL A 57636Q104 374 1,077 SH   SOLE 0 0 0 1,077
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 754 12,074 SH   SOLE 0 0 0 12,074
WISDOMTREE TR US HIGH DIVIDEND 97717W208 2,904 37,727 SH   SOLE 0 0 0 37,727
WISDOMTREE TR INTL LRGCAP DV 97717W794 247 5,191 SH   SOLE 0 0 0 5,191
ISHARES TR CORE S&P TTL STK 464287150 713 7,249 SH   SOLE 0 0 0 7,249
VANGUARD INDEX FDS LARGE CAP ETF 922908637 608 3,028 SH   SOLE 0 0 0 3,028
ATRION CORP COM 049904105 942 1,350 SH   SOLE 0 0 0 1,350
BALCHEM CORP COM 057665200 247 1,701 SH   SOLE 0 0 0 1,701
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 415 5,475 SH   SOLE 0 0 0 5,475
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,041 37,114 SH   SOLE 0 0 0 37,114
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,243 13,898 SH   SOLE 0 0 0 13,898
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,349 39,196 SH   SOLE 0 0 0 39,196
BLACKSTONE INC COM 09260D107 483 4,149 SH   SOLE 0 0 0 4,149
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 413 8,182 SH   SOLE 0 0 0 8,182
ISHARES TR NATIONAL MUN ETF 464288414 381 3,278 SH   SOLE 0 0 0 3,278
OLD POINT FINL CORP COM 680194107 844 39,348 SH   SOLE 0 0 0 39,348
TOWNEBANK PORTSMOUTH VA COM 89214P109 1,478 47,495 SH   SOLE 0 0 0 47,495
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 940 7,032 SH   SOLE 0 0 0 7,032
SPDR SER TR BLMBRG BRC CNVRT 78464A359 278 3,254 SH   SOLE 0 0 0 3,254
ISHARES TR EAFE SML CP ETF 464288273 1,463 19,664 SH   SOLE 0 0 0 19,664
VISA INC COM CL A 92826C839 798 3,582 SH   SOLE 0 0 0 3,582
PHILIP MORRIS INTL INC COM 718172109 1,719 18,135 SH   SOLE 0 0 0 18,135
ISHARES TR SHRT NAT MUN ETF 464288158 509 4,727 SH   SOLE 0 0 0 4,727
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 248 4,044 SH   SOLE 0 0 0 4,044
TESLA INC COM 88160R101 528 681 SH   SOLE 0 0 0 681
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 320 6,245 SH   SOLE 0 0 0 6,245
SCHWAB STRATEGIC TR US TIPS ETF 808524870 350 5,589 SH   SOLE 0 0 0 5,589
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,209 11,448 SH   SOLE 0 0 0 11,448
ENPHASE ENERGY INC COM 29355A107 1,884 12,563 SH   SOLE 0 0 0 12,563
FACEBOOK INC CL A 30303M102 984 2,898 SH   SOLE 0 0 0 2,898
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 448 18,915 SH   SOLE 0 0 0 18,915
ISHARES INC CORE MSCI EMKT 46434G103 762 12,333 SH   SOLE 0 0 0 12,333
ISHARES TR CORE MSCI EAFE 46432F842 627 8,448 SH   SOLE 0 0 0 8,448
ISHARES TR CORE 1 5 YR USD 46432F859 896 17,540 SH   SOLE 0 0 0 17,540
ALPHABET INC CAP STK CL C 02079K107 458 172 SH   SOLE 0 0 0 172
INVESCO EXCH TRADED FD TR II RUSEL 1000 EQL 46138E420 270 6,040 SH   SOLE 0 0 0 6,040
ISHARES TR MSCI INTL QUALTY 46434V456 289 7,617 SH   SOLE 0 0 0 7,617
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 7,336 133,951 SH   SOLE 0 0 0 133,951
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 211 4,742 SH   SOLE 0 0 0 4,742
GOLDMAN SACHS ETF TR ACTIVEBETA US 381430602 349 5,543 SH   SOLE 0 0 0 5,543
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 10,302 341,808 SH   SOLE 0 0 0 341,808
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 6,879 237,936 SH   SOLE 0 0 0 237,936
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 3,972 145,774 SH   SOLE 0 0 0 145,774
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 9,026 191,400 SH   SOLE 0 0 0 191,400
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 19,131 720,022 SH   SOLE 0 0 0 720,022
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 5,819 101,204 SH   SOLE 0 0 0 101,204
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 16,391 369,163 SH   SOLE 0 0 0 369,163
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 12,203 372,660 SH   SOLE 0 0 0 372,660
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 7,374 284,920 SH   SOLE 0 0 0 284,920
SPDR S&P 500 ETF TR TR UNIT 78462F103 8 2,000 SH Put SOLE 0 0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 4 600 SH Put SOLE 0 0 0 600
SPDR S&P 500 ETF TR TR UNIT 78462F103 4 400 SH Put SOLE 0 0 0 400
SPDR S&P 500 ETF TR TR UNIT 78462F103 8 400 SH Put SOLE 0 0 0 400
SPDR S&P 500 ETF TR TR UNIT 78462F103 4 200 SH Put SOLE 0 0 0 200