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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 42 125 SH   SOLE   0 0 125
ADOBE SYSTEMS INCORPORATED COM 00724F101 54 119 SH   SOLE   0 0 119
ALPHABET INC CAP STK CL A 02079K305 184 66 SH   SOLE   0 0 66
ALPHABET INC CAP STK CL C 02079K107 64 23 SH   SOLE   0 0 23
ALTRIA GROUP INC COM 02209S103 208 3,998 SH   SOLE   0 0 3,998
AMAZON COM INC COM 023135106 162 50 SH   SOLE   0 0 50
AMERICAN ELEC PWR CO INC COM 025537101 12 130 SH   SOLE   0 0 130
AMERICAN WTR WKS CO INC NEW COM 030420103 13 80 SH   SOLE   0 0 80
ANTHEM INC COM 036752103 77 158 SH   SOLE   0 0 158
APPLE INC COM 037833100 908 5,154 SH   SOLE   0 0 5,154
APTIV PLC SHS G6095L109 11 100 SH   SOLE   0 0 100
AT&T INC COM 00206R102 12 530 SH   SOLE   0 0 530
BAXTER INTL INC COM 071813109 7 100 SH   SOLE   0 0 100
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 231 655 SH   SOLE   0 0 655
BK OF AMERICA CORP COM 060505104 16 396 SH   SOLE   0 0 396
BLACKSTONE INC COM 09260D107 12 100 SH   SOLE   0 0 100
BOEING CO COM 097023105 19 100 SH   SOLE   0 0 100
BRIGHTHOUSE FINL INC COM 10922N103 0 3 SH   SOLE   0 0 3
CALIFORNIA RES CORP COM STOCK 13057Q305 5 113 SH   SOLE   0 0 113
CAPITAL ONE FINL CORP COM 14040H105 45 335 SH   SOLE   0 0 335
CHANGE HEALTHCARE INC COM 15912K100 2 100 SH   SOLE   0 0 100
CISCO SYS INC COM 17275R102 43 781 SH   SOLE   0 0 781
CONSTELLATION ENERGY CORP COM 21037T109 13 227 SH   SOLE   0 0 227
COSTCO WHSL CORP NEW COM 22160K105 27 48 SH   SOLE   0 0 48
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 518 18,817 SH   SOLE   0 0 18,817
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 0 10 SH   SOLE   0 0 10
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 0 40 SH   SOLE   0 0 40
DOMINION ENERGY INC COM 25746U109 380 4,468 SH   SOLE   0 0 4,468
EATON CORP PLC SHS G29183103 22 150 SH   SOLE   0 0 150
EXELON CORP COM 30161N101 32 688 SH   SOLE   0 0 688
EXTRA SPACE STORAGE INC COM 30225T102 10 50 SH   SOLE   0 0 50
EXXON MOBIL CORP COM 30231G102 393 4,748 SH   SOLE   0 0 4,748
FIRST TR EXCHANGE TRADED FD WTR ETF 33733B100 38 456 SH   SOLE   0 0 456
GROWGENERATION CORP COM 39986L109 0 50 SH   SOLE   0 0 50
HCA HEALTHCARE INC COM 40412C101 78 315 SH   SOLE   0 0 315
INTERDIGITAL INC COM 45867G101 25 400 SH   SOLE   0 0 400
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 1,217 24,901 SH   SOLE   0 0 24,901
ISHARES INC CORE MSCI EMKT 46434G103 16 300 SH   SOLE   0 0 300
JPMORGAN CHASE & CO COM 46625H100 72 531 SH   SOLE   0 0 531
KINDER MORGAN INC DEL COM 49456B101 2 135 SH   SOLE   0 0 135
KINSALE CAP GROUP INC COM 49714P108 30 135 SH   SOLE   0 0 135
KYNDRYL HLDGS INC COMMON STOCK 50155Q100 0 20 SH   SOLE   0 0 20
MASTERCARD INCORPORATED CL A 57636Q104 126 355 SH   SOLE   0 0 355
MCKESSON CORP COM 58155Q103 25 83 SH   SOLE   0 0 83
MEDTRONIC PLC SHS G5960L103 1 10 SH   SOLE   0 0 10
META PLATFORMS INC CL A 30303M102 17 80 SH   SOLE   0 0 80
METLIFE INC COM 59156R108 2 40 SH   SOLE   0 0 40
NEXTERA ENERGY INC COM 65339F101 33 400 SH   SOLE   0 0 400
NISOURCE INC COM 65473P105 188 5,932 SH   SOLE   0 0 5,932
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 561 18,421 SH   SOLE   0 0 18,421
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 1,665 57,860 SH   SOLE   0 0 57,860
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 847 13,949 SH   SOLE   0 0 13,949
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 1,554 40,876 SH   SOLE   0 0 40,876
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 252 6,338 SH   SOLE   0 0 6,338
NUSHARES ETF TR NUVEEN ESG US 67092P870 1,637 67,907 SH   SOLE   0 0 67,907
ORACLE CORP COM 68389X105 31 380 SH   SOLE   0 0 380
PPL CORP COM 69351T106 31 1,104 SH   SOLE   0 0 1,104
PRICE T ROWE GROUP INC COM 74144T108 119 784 SH   SOLE   0 0 784
RAYTHEON TECHNOLOGIES CORP COM 75513E101 7 75 SH   SOLE   0 0 75
RIVIAN AUTOMOTIVE INC COM CL A 76954A103 5 100 SH   SOLE   0 0 100
SIRIUS XM HOLDINGS INC COM 82968B103 3 600 SH   SOLE   0 0 600
SPDR S&P 500 ETF TR TR UNIT 78462F103 85 190 SH   SOLE   0 0 190
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 26 54 SH   SOLE   0 0 54
SYNCHRONY FINANCIAL COM 87165B103 2 69 SH   SOLE   0 0 69
TESLA INC COM 88160R101 268 247 SH   SOLE   0 0 247
TRUIST FINL CORP COM 89832Q109 63 1,116 SH   SOLE   0 0 1,116
UNITEDHEALTH GROUP INC COM 91324P102 38 75 SH   SOLE   0 0 75
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 16,178 308,516 SH   SOLE   0 0 308,516
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 7,491 149,539 SH   SOLE   0 0 149,539
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 0 4 SH   SOLE   0 0 4
VERIZON COMMUNICATIONS INC COM 92343V104 18 354 SH   SOLE   0 0 354
VISA INC COM CL A 92826C839 80 365 SH   SOLE   0 0 365
BRISTOL-MYERS SQUIBB CO COM 110122108 29 400 SH   SOLE   0 0 400
CARMAX INC COM 143130102 4 43 SH   SOLE   0 0 43
CHEVRON CORP NEW COM 166764100 16 100 SH   SOLE   0 0 100
CHURCH & DWIGHT CO INC COM 171340102 29 300 SH   SOLE   0 0 300
CINTAS CORP COM 172908105 19 45 SH   SOLE   0 0 45
COCA COLA CO COM 191216100 8 143 SH   SOLE   0 0 143
CURTISS WRIGHT CORP COM 231561101 52 350 SH   SOLE   0 0 350
DANAHER CORPORATION COM 235851102 14 50 SH   SOLE   0 0 50
DELTA AIR LINES INC DEL COM NEW 247361702 30 759 SH   SOLE   0 0 759
DISNEY WALT CO COM 254687106 37 275 SH   SOLE   0 0 275
ECOLAB INC COM 278865100 3 20 SH   SOLE   0 0 20
FORD MTR CO DEL COM 345370860 11 700 SH   SOLE   0 0 700
GENERAL ELECTRIC CO COM NEW 369604301 8 95 SH   SOLE   0 0 95
HERSHEY CO COM 427866108 80 370 SH   SOLE   0 0 370
HOME DEPOT INC COM 437076102 131 440 SH   SOLE   0 0 440
HONEYWELL INTL INC COM 438516106 25 129 SH   SOLE   0 0 129
INTEL CORP COM 458140100 18 375 SH   SOLE   0 0 375
INTERNATIONAL BUSINESS MACHS COM 459200101 13 100 SH   SOLE   0 0 100
ISHARES TR GLOBAL 100 ETF 464287572 1 19 SH   SOLE   0 0 19
ISHARES TR IBOXX HI YD ETF 464288513 0 7 SH   SOLE   0 0 7
ISHARES TR RUS 1000 VAL ETF 464287598 28 173 SH   SOLE   0 0 173
ISHARES TR CORE S&P MCP ETF 464287507 30 113 SH   SOLE   0 0 113
ISHARES TR CORE S&P SCP ETF 464287804 2 27 SH   SOLE   0 0 27
JOHNSON & JOHNSON COM 478160104 52 294 SH   SOLE   0 0 294
KIMBERLY-CLARK CORP COM 494368103 348 2,832 SH   SOLE   0 0 2,832
KRAFT HEINZ CO COM 500754106 0 20 SH   SOLE   0 0 20
LOCKHEED MARTIN CORP COM 539830109 58 132 SH   SOLE   0 0 132
MANHATTAN BRDG CAP INC COM 562803106 0 3 SH   SOLE   0 0 3
MARKEL CORP COM 570535104 11 7 SH   SOLE   0 0 7
MICROSOFT CORP COM 594918104 105 341 SH   SOLE   0 0 341
MONDELEZ INTL INC CL A 609207105 8 138 SH   SOLE   0 0 138
OLD REP INTL CORP COM 680223104 283 10,961 SH   SOLE   0 0 10,961
PAYCHEX INC COM 704326107 37 275 SH   SOLE   0 0 275
PEPSICO INC COM 713448108 57 342 SH   SOLE   0 0 342
PFIZER INC COM 717081103 41 794 SH   SOLE   0 0 794
PHILIP MORRIS INTL INC COM 718172109 7 78 SH   SOLE   0 0 78
PHILLIPS 66 COM 718546104 33 393 SH   SOLE   0 0 393
PROCTER AND GAMBLE CO COM 742718109 82 540 SH   SOLE   0 0 540
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 188 6,784 SH   SOLE   0 0 6,784
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 235 6,422 SH   SOLE   0 0 6,422
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 476 8,844 SH   SOLE   0 0 8,844
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 165 2,211 SH   SOLE   0 0 2,211
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 44 619 SH   SOLE   0 0 619
SCHWAB STRATEGIC TR US REIT ETF 808524847 0 30 SH   SOLE   0 0 30
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 59 1,248 SH   SOLE   0 0 1,248
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1 26 SH   SOLE   0 0 26
TELEDYNE TECHNOLOGIES INC COM 879360105 118 250 SH   SOLE   0 0 250
THERMO FISHER SCIENTIFIC INC COM 883556102 94 160 SH   SOLE   0 0 160
UNION PAC CORP COM 907818108 770 2,817 SH   SOLE   0 0 2,817
UNITED BANKSHARES INC WEST V COM 909907107 350 10,042 SH   SOLE   0 0 10,042
UNITED PARCEL SERVICE INC CL B 911312106 19 89 SH   SOLE   0 0 89
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 0 13 SH   SOLE   0 0 13
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 0 8 SH   SOLE   0 0 8
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 20,330 423,282 SH   SOLE   0 0 423,282
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,074 175,037 SH   SOLE   0 0 175,037
VANGUARD INDEX FDS GROWTH ETF 922908736 19,775 68,759 SH   SOLE   0 0 68,759
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 214 1,910 SH   SOLE   0 0 1,910
VANGUARD BD INDEX FDS INTERMED TERM 921937819 4,540 55,439 SH   SOLE   0 0 55,439
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 6,990 76,246 SH   SOLE   0 0 76,246
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 332 1,494 SH   SOLE   0 0 1,494
VANGUARD INDEX FDS MID CAP ETF 922908629 48 203 SH   SOLE   0 0 203
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1 14 SH   SOLE   0 0 14
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 105 253 SH   SOLE   0 0 253
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 10,694 137,287 SH   SOLE   0 0 137,287
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,784 27,219 SH   SOLE   0 0 27,219
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 106 1,333 SH   SOLE   0 0 1,333
VANGUARD STAR FDS VG TL INTL STK F 921909768 41 700 SH   SOLE   0 0 700
VANGUARD INDEX FDS TOTAL STK MKT 922908769 44 196 SH   SOLE   0 0 196
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2 28 SH   SOLE   0 0 28
VANGUARD INDEX FDS VALUE ETF 922908744 16,914 114,459 SH   SOLE   0 0 114,459
WALMART INC COM 931142103 171 1,147 SH   SOLE   0 0 1,147
WELLS FARGO CO NEW COM 949746101 369 7,627 SH   SOLE   0 0 7,627