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 32 125 SH   SOLE   125 0 0
ACUSHNET HLDGS CORP COM 005098108 4 100 SH   SOLE   100 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 32 119 SH   SOLE   119 0 0
ALPHABET INC CAP STK CL A 02079K305 126 1,320 SH   SOLE   1,320 0 0
ALPHABET INC CAP STK CL C 02079K107 44 460 SH   SOLE   460 0 0
ALTRIA GROUP INC COM 02209S103 161 4,003 SH   SOLE   4,003 0 0
AMAZON COM INC COM 023135106 63 560 SH   SOLE   560 0 0
AMERICAN ELEC PWR CO INC COM 025537101 11 130 SH   SOLE   130 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 10 80 SH   SOLE   80 0 0
APPLE INC COM 037833100 672 4,890 SH   SOLE   4,890 0 0
ARES CAPITAL CORP COM 04010L103 4 256 SH   SOLE   256 0 0
AT&T INC COM 00206R102 8 539 SH   SOLE   539 0 0
BANC OF CALIFORNIA INC COM 05990K106 0 0 SH   SOLE   0 0 0
BAXTER INTL INC COM 071813109 5 100 SH   SOLE   100 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 174 655 SH   SOLE   655 0 0
BK OF AMERICA CORP COM 060505104 12 398 SH   SOLE   398 0 0
BLACKSTONE INC COM 09260D107 8 100 SH   SOLE   100 0 0
BOEING CO COM 097023105 12 100 SH   SOLE   100 0 0
BRIGHTHOUSE FINL INC COM 10922N103 0 3 SH   SOLE   3 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 12 180 SH   SOLE   180 0 0
CALIFORNIA RES CORP COM STOCK 13057Q305 4 113 SH   SOLE   113 0 0
CAPITAL ONE FINL CORP COM 14040H105 47 515 SH   SOLE   515 0 0
CARMAX INC COM 143130102 2 43 SH   SOLE   43 0 0
CHANGE HEALTHCARE INC COM 15912K100 2 100 SH   SOLE   100 0 0
CHEVRON CORP NEW COM 166764100 14 100 SH   SOLE   100 0 0
CHURCH & DWIGHT CO INC COM 171340102 21 300 SH   SOLE   300 0 0
CINTAS CORP COM 172908105 17 45 SH   SOLE   45 0 0
CISCO SYS INC COM 17275R102 21 539 SH   SOLE   539 0 0
COCA COLA CO COM 191216100 8 143 SH   SOLE   143 0 0
CONSTELLATION ENERGY CORP COM 21037T109 18 227 SH   SOLE   227 0 0
COSTCO WHSL CORP NEW COM 22160K105 22 48 SH   SOLE   48 0 0
CURTISS WRIGHT CORP COM 231561101 48 350 SH   SOLE   350 0 0
DANAHER CORPORATION COM 235851102 12 50 SH   SOLE   50 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 21 759 SH   SOLE   759 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 0 10 SH   SOLE   10 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 370 16,680 SH   SOLE   16,680 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 0 40 SH   SOLE   40 0 0
DISNEY WALT CO COM 254687106 25 275 SH   SOLE   275 0 0
DOMINION ENERGY INC COM 25746U109 311 4,512 SH   SOLE   4,512 0 0
EATON CORP PLC SHS G29183103 20 150 SH   SOLE   150 0 0
ECOLAB INC COM 278865100 2 20 SH   SOLE   20 0 0
ELEVANCE HEALTH INC COM 036752103 71 158 SH   SOLE   158 0 0
EXELON CORP COM 30161N101 26 698 SH   SOLE   698 0 0
EXTRA SPACE STORAGE INC COM 30225T102 8 50 SH   SOLE   50 0 0
EXXON MOBIL CORP COM 30231G102 416 4,770 SH   SOLE   4,770 0 0
FIRST TR EXCHANGE TRADED FD WTR ETF 33733B100 32 456 SH   SOLE   456 0 0
FORD MTR CO DEL COM 345370860 7 700 SH   SOLE   700 0 0
GENERAL ELECTRIC CO COM NEW 369604301 5 95 SH   SOLE   95 0 0
GROWGENERATION CORP COM 39986L109 0 50 SH   SOLE   50 0 0
HCA HEALTHCARE INC COM 40412C101 57 315 SH   SOLE   315 0 0
HERSHEY CO COM 427866108 82 372 SH   SOLE   372 0 0
HOME DEPOT INC COM 437076102 121 440 SH   SOLE   440 0 0
HONEYWELL INTL INC COM 438516106 21 130 SH   SOLE   130 0 0
INTEL CORP COM 458140100 9 375 SH   SOLE   375 0 0
INTERDIGITAL INC COM 45867G101 16 400 SH   SOLE   400 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 11 100 SH   SOLE   100 0 0
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 1,037 24,901 SH   SOLE   24,901 0 0
ISHARES INC CORE MSCI EMKT 46434G103 12 300 SH   SOLE   300 0 0
ISHARES TR CORE INTL AGGR 46435G672 69 1,444 SH   SOLE   1,444 0 0
ISHARES TR CORE S&P MCP ETF 464287507 24 113 SH   SOLE   113 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2 27 SH   SOLE   27 0 0
ISHARES TR GLOBAL 100 ETF 464287572 1 19 SH   SOLE   19 0 0
ISHARES TR IBOXX HI YD ETF 464288513 0 7 SH   SOLE   7 0 0
ISHARES TR MSCI EAFE ETF 464287465 10 185 SH   SOLE   185 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 9 71 SH   SOLE   71 0 0
JOHNSON & JOHNSON COM 478160104 48 296 SH   SOLE   296 0 0
JPMORGAN CHASE & CO COM 46625H100 55 531 SH   SOLE   531 0 0
KIMBERLY-CLARK CORP COM 494368103 233 2,057 SH   SOLE   2,057 0 0
KINDER MORGAN INC DEL COM 49456B101 2 135 SH   SOLE   135 0 0
KINSALE CAP GROUP INC COM 49714P108 34 135 SH   SOLE   135 0 0
KRAFT HEINZ CO COM 500754106 0 20 SH   SOLE   20 0 0
KYNDRYL HLDGS INC COMMON STOCK 50155Q100 0 20 SH   SOLE   20 0 0
LOCKHEED MARTIN CORP COM 539830109 50 132 SH   SOLE   132 0 0
MANHATTAN BRDG CAP INC COM 562803106 0 3 SH   SOLE   3 0 0
MARKEL CORP COM 570535104 32 29 SH   SOLE   29 0 0
MASTERCARD INCORPORATED CL A 57636Q104 100 355 SH   SOLE   355 0 0
MCKESSON CORP COM 58155Q103 28 83 SH   SOLE   83 0 0
MEDTRONIC PLC SHS G5960L103 0 10 SH   SOLE   10 0 0
META PLATFORMS INC CL A 30303M102 10 80 SH   SOLE   80 0 0
METLIFE INC COM 59156R108 2 40 SH   SOLE   40 0 0
MICROSOFT CORP COM 594918104 76 330 SH   SOLE   330 0 0
MONDELEZ INTL INC CL A 609207105 7 138 SH   SOLE   138 0 0
NEXTERA ENERGY INC COM 65339F101 31 400 SH   SOLE   400 0 0
NISOURCE INC COM 65473P105 149 5,932 SH   SOLE   5,932 0 0
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 828 35,366 SH   SOLE   35,366 0 0
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 2,789 124,920 SH   SOLE   124,920 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 1,502 32,596 SH   SOLE   32,596 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 1,262 40,913 SH   SOLE   40,913 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 425 13,281 SH   SOLE   13,281 0 0
NUSHARES ETF TR NUVEEN ESG US 67092P870 808 37,333 SH   SOLE   37,333 0 0
OLD REP INTL CORP COM 680223104 229 10,961 SH   SOLE   10,961 0 0
ORACLE CORP COM 68389X105 23 380 SH   SOLE   380 0 0
PAYCHEX INC COM 704326107 30 275 SH   SOLE   275 0 0
PEPSICO INC COM 713448108 55 342 SH   SOLE   342 0 0
PFIZER INC COM 717081103 34 794 SH   SOLE   794 0 0
PHILIP MORRIS INTL INC COM 718172109 6 78 SH   SOLE   78 0 0
PHILLIPS 66 COM 718546104 31 393 SH   SOLE   393 0 0
PPL CORP COM 69351T106 28 1,121 SH   SOLE   1,121 0 0
PRICE T ROWE GROUP INC COM 74144T108 83 798 SH   SOLE   798 0 0
PROCTER AND GAMBLE CO COM 742718109 68 540 SH   SOLE   540 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 6 75 SH   SOLE   75 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 72 3,242 SH   SOLE   3,242 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 130 4,643 SH   SOLE   4,643 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3 84 SH   SOLE   84 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 374 8,844 SH   SOLE   8,844 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 69 1,244 SH   SOLE   1,244 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 72 1,231 SH   SOLE   1,231 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 0 30 SH   SOLE   30 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 45 1,198 SH   SOLE   1,198 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1 26 SH   SOLE   26 0 0
SIRIUS XM HOLDINGS INC COM 82968B103 3 600 SH   SOLE   600 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 67 190 SH   SOLE   190 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 21 54 SH   SOLE   54 0 0
SYNCHRONY FINANCIAL COM 87165B103 1 70 SH   SOLE   70 0 0
TELEDYNE TECHNOLOGIES INC COM 879360105 84 250 SH   SOLE   250 0 0
TESLA INC COM 88160R101 196 741 SH   SOLE   741 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 81 160 SH   SOLE   160 0 0
TRUIST FINL CORP COM 89832Q109 48 1,116 SH   SOLE   1,116 0 0
UNION PAC CORP COM 907818108 549 2,819 SH   SOLE   2,819 0 0
UNITED BANKSHARES INC WEST V COM 909907107 362 10,042 SH   SOLE   10,042 0 0
UNITED PARCEL SERVICE INC CL B 911312106 14 89 SH   SOLE   89 0 0
UNITEDHEALTH GROUP INC COM 91324P102 37 75 SH   SOLE   75 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 4,086 55,615 SH   SOLE   55,615 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 5,508 76,564 SH   SOLE   76,564 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 10,424 139,326 SH   SOLE   139,326 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 266 3,741 SH   SOLE   3,741 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 14,505 303,909 SH   SOLE   303,909 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 14,734 68,868 SH   SOLE   68,868 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 38 203 SH   SOLE   203 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 254 1,494 SH   SOLE   1,494 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1 14 SH   SOLE   14 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 83 253 SH   SOLE   253 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,461 26,102 SH   SOLE   26,102 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 35 196 SH   SOLE   196 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 14,629 118,474 SH   SOLE   118,474 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 0 8 SH   SOLE   8 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,634 181,805 SH   SOLE   181,805 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 34 440 SH   SOLE   440 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 6,436 142,753 SH   SOLE   142,753 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 0 4 SH   SOLE   4 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 32 700 SH   SOLE   700 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 16,180 445,021 SH   SOLE   445,021 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 0 13 SH   SOLE   13 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 181 1,910 SH   SOLE   1,910 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 13 358 SH   SOLE   358 0 0
VISA INC COM CL A 92826C839 64 365 SH   SOLE   365 0 0
WALMART INC COM 931142103 149 1,149 SH   SOLE   1,149 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104 1 127 SH   SOLE   127 0 0
WELLS FARGO CO NEW COM 949746101 306 7,627 SH   SOLE   7,627 0 0