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
3M CO COM 88579Y101 68 385 SH   SOLE   385 0 0
ABBVIE INC COM 00287Y109 41 300 SH   SOLE   300 0 0
ADAMS DIVERSIFIED EQUITY FD COM 006212104 3 175 SH   SOLE   175 0 0
AIR PRODS & CHEMS INC COM 009158106 11 35 SH   SOLE   35 0 0
ALPHABET INC CAP STK CL C 02079K107 29 10 SH   SOLE   10 0 0
ALTRIA GROUP INC COM 02209S103 11 226 SH   SOLE   226 0 0
AMAZON COM INC COM 023135106 67 20 SH   SOLE   20 0 0
AMGEN INC COM 031162100 157 696 SH   SOLE   696 0 0
APPLE INC COM 037833100 766 4,316 SH   SOLE   4,316 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 7 100 SH   SOLE   100 0 0
AT&T INC COM 00206R102 37 1,509 SH   SOLE   1,509 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 308 1,250 SH   SOLE   1,250 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 336 1,125 SH   SOLE   1,075 0 50
BLACKROCK INC COM 09247X101 183 200 SH   SOLE   200 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 14 167 SH   SOLE   167 0 0
BROADCOM INC COM 11135F101 130 195 SH   SOLE   195 0 0
CDK GLOBAL INC COM 12508E101 17 400 SH   SOLE   400 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 2 3 SH   SOLE   3 0 0
CHEVRON CORP NEW COM 166764100 453 3,856 SH   SOLE   3,856 0 0
CISCO SYS INC COM 17275R102 51 805 SH   SOLE   805 0 0
CLOROX CO DEL COM 189054109 17 100 SH   SOLE   100 0 0
COCA COLA CO COM 191216100 59 1,000 SH   SOLE   1,000 0 0
COMCAST CORP NEW CL A 20030N101 21 426 SH   SOLE   426 0 0
CONOCOPHILLIPS COM 20825C104 7 92 SH   SOLE   92 0 0
CORNING INC COM 219350105 4 95 SH   SOLE   95 0 0
CORTEVA INC COM 22052L104 5 116 SH   SOLE   116 0 0
CVS HEALTH CORP COM 126650100 39 378 SH   SOLE   378 0 0
DANAHER CORPORATION COM 235851102 28 85 SH   SOLE   85 0 0
DELL TECHNOLOGIES INC CL C 24703L202 0 7 SH   SOLE   7 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 2,084 63,159 SH   SOLE   33,580 0 29,579
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 919 31,066 SH   SOLE   18,372 0 12,694
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 836 30,546 SH   SOLE   19,022 0 11,524
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 1,951 37,731 SH   SOLE   0 0 37,731
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 2 54 SH   SOLE   54 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 391 11,927 SH   SOLE   5,774 0 6,153
DISNEY WALT CO COM 254687106 188 1,216 SH   SOLE   1,216 0 0
DOW INC COM 260557103 10 179 SH   SOLE   179 0 0
DUPONT DE NEMOURS INC COM 26614N102 9 114 SH   SOLE   114 0 0
ECOLAB INC COM 278865100 6 25 SH   SOLE   25 0 0
EXXON MOBIL CORP COM 30231G102 174 2,845 SH   SOLE   2,845 0 0
FORD MTR CO DEL COM 345370860 2 90 SH   SOLE   0 0 90
FORTIVE CORP COM 34959J108 4 50 SH   SOLE   50 0 0
GENERAL ELECTRIC CO COM NEW 369604301 46 487 SH   SOLE   487 0 0
GENERAL MLS INC COM 370334104 74 1,100 SH   SOLE   1,100 0 0
GENUINE PARTS CO COM 372460105 98 700 SH   SOLE   700 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 22 489 SH   SOLE   489 0 0
HOME DEPOT INC COM 437076102 191 460 SH   SOLE   460 0 0
ILLINOIS TOOL WKS INC COM 452308109 222 900 SH   SOLE   900 0 0
INTEL CORP COM 458140100 129 2,500 SH   SOLE   2,500 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 63 473 SH   SOLE   473 0 0
ISHARES INC EM MKTS DIV ETF 464286319 1,902 49,395 SH   SOLE   17,171 0 32,224
ISHARES INC MSCI GLB SLV&MTL 464286327 28 2,135 SH   SOLE   2,135 0 0
ISHARES INC EM MKT SM-CP ETF 464286475 14 230 SH   SOLE   0 0 230
ISHARES INC CORE MSCI EMKT 46434G103 2,249 37,575 SH   SOLE   15,423 0 22,152
ISHARES TR SELECT DIVID ETF 464287168 37 300 SH   SOLE   300 0 0
ISHARES TR CORE S&P500 ETF 464287200 36 75 SH   SOLE   75 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 400 8,194 SH   SOLE   8,194 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 9 100 SH   SOLE   100 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 0 12 SH   SOLE   12 0 0
ISHARES TR MSCI EAFE ETF 464287465 263 3,348 SH   SOLE   3,348 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 248 2,028 SH   SOLE   2,028 0 0
ISHARES TR RUS MD CP GR ETF 464287481 536 4,656 SH   SOLE   4,656 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,681 10,013 SH   SOLE   10,013 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,111 6,908 SH   SOLE   6,908 0 0
ISHARES TR RUS 1000 ETF 464287622 76 287 SH   SOLE   261 0 26
ISHARES TR RUS 2000 VAL ETF 464287630 3 17 SH   SOLE   17 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 3 9 SH   SOLE   9 0 0
ISHARES TR CORE S&P US VLU 464287663 177 2,322 SH   SOLE   2,322 0 0
ISHARES TR CORE S&P US GWT 464287671 25 212 SH   SOLE   212 0 0
ISHARES TR U.S. TECH ETF 464287721 767 6,680 SH   SOLE   6,680 0 0
ISHARES TR U.S. REAL ES ETF 464287739 67 580 SH   SOLE   580 0 0
ISHARES TR US INDUSTRIALS 464287754 113 1,000 SH   SOLE   1,000 0 0
ISHARES TR CORE S&P SCP ETF 464287804 274 2,389 SH   SOLE   2,388 0 1
ISHARES TR S&P SML 600 GWT 464287887 8 58 SH   SOLE   58 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 2,567 23,911 SH   SOLE   2,040 0 21,871
ISHARES TR MSCI ACWI ETF 464288257 225 2,130 SH   SOLE   2,130 0 0
ISHARES TR EAFE SML CP ETF 464288273 111 1,516 SH   SOLE   928 0 588
ISHARES TR INTL DEV RE ETF 464288489 142 4,974 SH   SOLE   483 0 4,491
ISHARES TR CRE U S REIT ETF 464288521 6 88 SH   SOLE   88 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 46 850 SH   SOLE   76 0 774
ISHARES TR EAFE VALUE ETF 464288877 4,767 94,593 SH   SOLE   31,145 0 63,448
ISHARES TR 0-5 YR TIPS ETF 46429B747 0 1 SH   SOLE   0 0 1
ISHARES TR CORE MSCI EAFE 46432F842 136 1,818 SH   SOLE   911 0 907
ISHARES TR CORE 1 5 YR USD 46432F859 17,903 355,009 SH   SOLE   209,031 0 145,978
ISHARES TR BLACKROCK ULTRA 46434V878 1,682 33,388 SH   SOLE   27,327 0 6,061
JOHNSON & JOHNSON COM 478160104 266 1,555 SH   SOLE   1,555 0 0
JPMORGAN CHASE & CO COM 46625H100 91 575 SH   SOLE   575 0 0
KIMBERLY-CLARK CORP COM 494368103 57 400 SH   SOLE   400 0 0
KONTOOR BRANDS INC COM 50050N103 6 114 SH   SOLE   114 0 0
KYNDRYL HLDGS INC COMMON STOCK 50155Q100 2 94 SH   SOLE   94 0 0
LIBERTY GLOBAL PLC SHS CL A G5480U104 1 21 SH   SOLE   21 0 0
LIBERTY GLOBAL PLC SHS CL C G5480U120 2 63 SH   SOLE   63 0 0
LIBERTY LATIN AMERICA LTD COM CL A G9001E102 0 3 SH   SOLE   3 0 0
LIBERTY LATIN AMERICA LTD COM CL C G9001E128 0 10 SH   SOLE   10 0 0
LOCKHEED MARTIN CORP COM 539830109 4 10 SH   SOLE   10 0 0
MARKEL CORP COM 570535104 39 32 SH   SOLE   32 0 0
MARVELL TECHNOLOGY INC COM 573874104 51 584 SH   SOLE   584 0 0
MASTERCARD INCORPORATED CL A 57636Q104 56 155 SH   SOLE   155 0 0
MCCORMICK & CO INC COM NON VTG 579780206 155 1,600 SH   SOLE   1,600 0 0
MERCK & CO INC COM 58933Y105 235 3,068 SH   SOLE   3,068 0 0
META PLATFORMS INC CL A 30303M102 58 172 SH   SOLE   172 0 0
MICROSOFT CORP COM 594918104 252 750 SH   SOLE   750 0 0
MONDELEZ INTL INC CL A 609207105 40 600 SH   SOLE   600 0 0
MORGAN STANLEY COM NEW 617446448 29 300 SH   SOLE   300 0 0
NETFLIX INC COM 64110L106 39 65 SH   SOLE   65 0 0
NEW MTN FIN CORP COM 647551100 25 1,798 SH   SOLE   1,798 0 0
NIKE INC CL B 654106103 135 808 SH   SOLE   808 0 0
NORFOLK SOUTHN CORP COM 655844108 238 800 SH   SOLE   800 0 0
NORTHROP GRUMMAN CORP COM 666807102 40 104 SH   SOLE   104 0 0
OCCIDENTAL PETE CORP COM 674599105 6 200 SH   SOLE   200 0 0
OCCIDENTAL PETE CORP *W EXP 08/03/202 674599162 0 25 SH   SOLE   25 0 0
ORGANON & CO COMMON STOCK 68622V106 8 263 SH   SOLE   263 0 0
PAYPAL HLDGS INC COM 70450Y103 38 200 SH   SOLE   200 0 0
PEPSICO INC COM 713448108 13 75 SH   SOLE   75 0 0
PHILLIPS 66 COM 718546104 3 46 SH   SOLE   46 0 0
PLUG POWER INC COM NEW 72919P202 5 166 SH   SOLE   166 0 0
PROCTER AND GAMBLE CO COM 742718109 294 1,800 SH   SOLE   1,800 0 0
PRUDENTIAL FINL INC COM 744320102 22 200 SH   SOLE   200 0 0
QUALCOMM INC COM 747525103 38 206 SH   SOLE   206 0 0
RAMBUS INC DEL COM 750917106 17 575 SH   SOLE   575 0 0
ROYAL BK CDA COM 780087102 3 25 SH   SOLE   25 0 0
SCHLUMBERGER LTD COM STK 806857108 22 750 SH   SOLE   750 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 25 224 SH   SOLE   216 0 8
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 17 163 SH   SOLE   163 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1 26 SH   SOLE   22 0 4
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9 237 SH   SOLE   229 0 8
SCHWAB STRATEGIC TR US REIT ETF 808524847 0 7 SH   SOLE   6 0 1
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 118 2,097 SH   SOLE   440 0 1,657
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 138 2,710 SH   SOLE   1,302 0 1,408
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 0 2 SH   SOLE   2 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 69 900 SH   SOLE   900 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 34 609 SH   SOLE   609 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 32 826 SH   SOLE   826 0 0
SERVICENOW INC COM 81762P102 53 82 SH   SOLE   82 0 0
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533 11 371 SH   SOLE   371 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 735 12,399 SH   SOLE   4,153 0 8,246
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 3 82 SH   SOLE   8 0 74
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 11 291 SH   SOLE   255 0 36
SPDR S&P 500 ETF TR TR UNIT 78462F103 356 750 SH   SOLE   750 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 256 495 SH   SOLE   495 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 2 20 SH   SOLE   0 0 20
SPDR SER TR PRTFLO S&P500 GW 78464A409 13 182 SH   SOLE   182 0 0
SPDR SER TR BLOOMBERG INTL T 78464A516 5 160 SH   SOLE   0 0 160
SPDR SER TR DJ REIT ETF 78464A607 1 6 SH   SOLE   6 0 0
STATE STR CORP COM 857477103 19 200 SH   SOLE   200 0 0
TELEFLEX INCORPORATED COM 879369106 8 25 SH   SOLE   25 0 0
TESLA INC COM 88160R101 59 56 SH   SOLE   56 0 0
TEXAS INSTRS INC COM 882508104 118 625 SH   SOLE   625 0 0
TRUIST FINL CORP COM 89832Q109 22 372 SH   SOLE   372 0 0
UNILEVER PLC SPON ADR NEW 904767704 22 411 SH   SOLE   411 0 0
V F CORP COM 918204108 59 800 SH   SOLE   800 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 4,496 51,311 SH   SOLE   21,511 0 29,800
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,585 31,985 SH   SOLE   16,078 0 15,907
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 52 941 SH   SOLE   941 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 52 345 SH   SOLE   74 0 271
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,064 35,035 SH   SOLE   14,451 0 20,584
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,027 16,925 SH   SOLE   7,703 0 9,222
VANGUARD INDEX FDS MID CAP ETF 922908629 76 297 SH   SOLE   122 0 175
VANGUARD INDEX FDS GROWTH ETF 922908736 126 392 SH   SOLE   392 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 7,793 52,977 SH   SOLE   22,504 0 30,473
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,301 10,180 SH   SOLE   4,797 0 5,383
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,387 47,162 SH   SOLE   16,535 0 30,627
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 3,278 60,766 SH   SOLE   28,245 0 32,521
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 656 4,894 SH   SOLE   2,210 0 2,684
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 130 1,208 SH   SOLE   1,208 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 471 9,518 SH   SOLE   4,457 0 5,061
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,614 50,856 SH   SOLE   27,094 0 23,762
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 14,268 259,838 SH   SOLE   74,033 0 185,805
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 3,043 50,020 SH   SOLE   24,113 0 25,907
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 34 417 SH   SOLE   417 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 32 410 SH   SOLE   410 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 26 350 SH   SOLE   350 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 28 263 SH   SOLE   263 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 77 828 SH   SOLE   828 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 297 1,727 SH   SOLE   1,727 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 4 60 SH   SOLE   0 0 60
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,150 81,282 SH   SOLE   37,860 0 43,422
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 865 12,877 SH   SOLE   1,326 0 11,551
VANGUARD WORLD FD MEGA GRWTH IND 921910816 409 1,570 SH   SOLE   1,570 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 6 28 SH   SOLE   28 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 41 424 SH   SOLE   424 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 88 192 SH   SOLE   192 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 3 53 SH   SOLE   53 0 0
VISA INC COM CL A 92826C839 55 253 SH   SOLE   253 0 0
VMWARE INC CL A COM 928563402 0 3 SH   SOLE   3 0 0
VONTIER CORPORATION COM 928881101 1 20 SH   SOLE   20 0 0
WALMART INC COM 931142103 177 1,225 SH   SOLE   1,225 0 0
WEC ENERGY GROUP INC COM 92939U106 38 393 SH   SOLE   393 0 0
WISDOMTREE TR INTL SMCAP DIV 97717W760 1,081 14,677 SH   SOLE   7,631 0 7,046