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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   33 125 SH   SOLE   0 0 125
ACUSHNET HLDGS CORP COM 005098108   4 101 SH   SOLE   0 0 101
ADOBE SYSTEMS INCORPORATED COM 00724F101   40 119 SH   SOLE   0 0 119
ALPHABET INC CAP STK CL A 02079K305   81 920 SH   SOLE   0 0 920
ALPHABET INC CAP STK CL C 02079K107   17 200 SH   SOLE   0 0 200
ALTRIA GROUP INC COM 02209S103   162 3,475 SH   SOLE   0 0 3,475
AMAZON COM INC COM 023135106   47 560 SH   SOLE   0 0 560
AMERICAN ELEC PWR CO INC COM 025537101   12 130 SH   SOLE   0 0 130
AMERICAN WTR WKS CO INC NEW COM 030420103   12 80 SH   SOLE   0 0 80
APPLE INC COM 037833100   612 4,690 SH   SOLE   0 0 4,690
AT&T INC COM 00206R102   10 544 SH   SOLE   0 0 544
BANC OF CALIFORNIA INC COM 05990K106   0 0 SH   SOLE   0 0 0
BANK AMERICA CORP COM 060505104   13 398 SH   SOLE   0 0 398
BAXTER INTL INC COM 071813109   5 100 SH   SOLE   0 0 100
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   202 655 SH   SOLE   0 0 655
BLACKSTONE INC COM 09260D107   7 100 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
BRISTOL-MYERS SQUIBB CO COM 110122108   12 180 SH   SOLE   0 0 180
CALIFORNIA RES CORP COM STOCK 13057Q305   4 113 SH   SOLE   0 0 113
CAPITAL ONE FINL CORP COM 14040H105   47 515 SH   SOLE   0 0 515
CARMAX INC COM 143130102   2 43 SH   SOLE   0 0 43
CHEVRON CORP NEW COM 166764100   17 100 SH   SOLE   0 0 100
CHURCH & DWIGHT CO INC COM 171340102   24 300 SH   SOLE   0 0 300
CINTAS CORP COM 172908105   20 45 SH   SOLE   0 0 45
CISCO SYS INC COM 17275R102   25 544 SH   SOLE   0 0 544
COCA COLA CO COM 191216100   9 143 SH   SOLE   0 0 143
CONSTELLATION ENERGY CORP COM 21037T109   19 228 SH   SOLE   0 0 228
COSTCO WHSL CORP NEW COM 22160K105   12 28 SH   SOLE   0 0 28
CURTISS WRIGHT CORP COM 231561101   58 350 SH   SOLE   0 0 350
DANAHER CORPORATION COM 235851102   13 50 SH   SOLE   0 0 50
DELTA AIR LINES INC DEL COM NEW 247361702   24 759 SH   SOLE   0 0 759
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   44 1,022 SH   SOLE   0 0 1,022
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   404 16,680 SH   SOLE   0 0 16,680
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   70 3,278 SH   SOLE   0 0 3,278
DISNEY WALT CO COM 254687106   23 275 SH   SOLE   0 0 275
DOMINION ENERGY INC COM 25746U109   278 4,541 SH   SOLE   0 0 4,541
EATON CORP PLC SHS G29183103   23 150 SH   SOLE   0 0 150
ELEVANCE HEALTH INC COM 036752103   78 153 SH   SOLE   0 0 153
EXELON CORP COM 30161N101   30 704 SH   SOLE   0 0 704
EXTRA SPACE STORAGE INC COM 30225T102   7 50 SH   SOLE   0 0 50
EXXON MOBIL CORP COM 30231G102   527 4,781 SH   SOLE   0 0 4,781
FIRST TR EXCHANGE TRADED FD WTR ETF 33733B100   36 456 SH   SOLE   0 0 456
FORD MTR CO DEL COM 345370860   8 700 SH   SOLE   0 0 700
GENERAL ELECTRIC CO COM NEW 369604301   7 95 SH   SOLE   0 0 95
GROWGENERATION CORP COM 39986L109   0 50 SH   SOLE   0 0 50
HCA HEALTHCARE INC COM 40412C101   39 165 SH   SOLE   0 0 165
HERSHEY CO COM 427866108   86 373 SH   SOLE   0 0 373
HOME DEPOT INC COM 437076102   138 440 SH   SOLE   0 0 440
HONEYWELL INTL INC COM 438516106   28 131 SH   SOLE   0 0 131
INTEL CORP COM 458140100   9 375 SH   SOLE   0 0 375
INTERDIGITAL INC COM 45867G101   19 400 SH   SOLE   0 0 400
INTERNATIONAL BUSINESS MACHS COM 459200101   14 100 SH   SOLE   0 0 100
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738   1,171 24,901 SH   SOLE   0 0 24,901
ISHARES INC CORE MSCI EMKT 46434G103   14 300 SH   SOLE   0 0 300
ISHARES TR CORE S&P MCP ETF 464287507   27 113 SH   SOLE   0 0 113
ISHARES TR CORE S&P SCP ETF 464287804   2 27 SH   SOLE   0 0 27
ISHARES TR GLOBAL 100 ETF 464287572   1 19 SH   SOLE   0 0 19
ISHARES TR IBOXX HI YD ETF 464288513   35 480 SH   SOLE   0 0 480
ISHARES TR JPMORGAN USD EMG 464288281   7 83 SH   SOLE   0 0 83
ISHARES TR RUS 1000 VAL ETF 464287598   10 71 SH   SOLE   0 0 71
ISHARES TR SELF DRIVNG EV 46435U366   0 5 SH   SOLE   0 0 5
ISHARES TR TIPS BD ETF 464287176   25 243 SH   SOLE   0 0 243
JOHNSON & JOHNSON COM 478160104   52 296 SH   SOLE   0 0 296
JPMORGAN CHASE & CO COM 46625H100   33 251 SH   SOLE   0 0 251
KIMBERLY-CLARK CORP COM 494368103   281 2,057 SH   SOLE   0 0 2,057
KINDER MORGAN INC DEL COM 49456B101   2 135 SH   SOLE   0 0 135
KINSALE CAP GROUP INC COM 49714P108   35 135 SH   SOLE   0 0 135
KRAFT HEINZ CO COM 500754106   0 20 SH   SOLE   0 0 20
KYNDRYL HLDGS INC COMMON STOCK 50155Q100   0 20 SH   SOLE   0 0 20
LISTED FD TR ROUNDHILL BALL 53656F417   4 600 SH   SOLE   0 0 600
LOCKHEED MARTIN CORP COM 539830109   64 132 SH   SOLE   0 0 132
MARKEL CORP COM 570535104   40 30 SH   SOLE   0 0 30
MASTERCARD INCORPORATED CL A 57636Q104   71 205 SH   SOLE   0 0 205
MCKESSON CORP COM 58155Q103   31 83 SH   SOLE   0 0 83
MEDTRONIC PLC SHS G5960L103   0 10 SH   SOLE   0 0 10
METLIFE INC COM 59156R108   2 40 SH   SOLE   0 0 40
MICROSOFT CORP COM 594918104   81 341 SH   SOLE   0 0 341
MONDELEZ INTL INC CL A 609207105   9 138 SH   SOLE   0 0 138
NEXTERA ENERGY INC COM 65339F101   33 400 SH   SOLE   0 0 400
NIKE INC CL B 654106103   0 2 SH   SOLE   0 0 2
NISOURCE INC COM 65473P105   162 5,932 SH   SOLE   0 0 5,932
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888   967 38,036 SH   SOLE   0 0 38,036
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   3,414 132,332 SH   SOLE   0 0 132,332
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   1,735 35,504 SH   SOLE   0 0 35,504
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   1,656 48,366 SH   SOLE   0 0 48,366
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   505 14,794 SH   SOLE   0 0 14,794
NUSHARES ETF TR NUVEEN ESG US 67092P870   910 41,826 SH   SOLE   0 0 41,826
OLD REP INTL CORP COM 680223104   264 10,961 SH   SOLE   0 0 10,961
ORACLE CORP COM 68389X105   31 380 SH   SOLE   0 0 380
PAYCHEX INC COM 704326107   31 275 SH   SOLE   0 0 275
PEPSICO INC COM 713448108   62 342 SH   SOLE   0 0 342
PFIZER INC COM 717081103   40 794 SH   SOLE   0 0 794
PHILIP MORRIS INTL INC COM 718172109   7 78 SH   SOLE   0 0 78
PHILLIPS 66 COM 718546104   40 393 SH   SOLE   0 0 393
PPL CORP COM 69351T106   33 1,131 SH   SOLE   0 0 1,131
PRICE T ROWE GROUP INC COM 74144T108   87 805 SH   SOLE   0 0 805
PROCTER AND GAMBLE CO COM 742718109   81 540 SH   SOLE   0 0 540
RAYTHEON TECHNOLOGIES CORP COM 75513E101   7 75 SH   SOLE   0 0 75
RIVIAN AUTOMOTIVE INC COM CL A 76954A103   0 6 SH   SOLE   0 0 6
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   170 7,198 SH   SOLE   0 0 7,198
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   213 6,629 SH   SOLE   0 0 6,629
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   9 220 SH   SOLE   0 0 220
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,106 24,511 SH   SOLE   0 0 24,511
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   69 1,244 SH   SOLE   0 0 1,244
SCHWAB STRATEGIC TR US REIT ETF 808524847   48 2,490 SH   SOLE   0 0 2,490
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   77 1,908 SH   SOLE   0 0 1,908
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   356 7,812 SH   SOLE   0 0 7,812
SCHWAB STRATEGIC TR US TIPS ETF 808524870   107 2,071 SH   SOLE   0 0 2,071
SIRIUS XM HOLDINGS INC COM 82968B103   3 600 SH   SOLE   0 0 600
SPDR S&P 500 ETF TR TR UNIT 78462F103   72 190 SH   SOLE   0 0 190
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   23 54 SH   SOLE   0 0 54
SPDR SER TR BLOOMBERG HIGH Y 78468R622   17 196 SH   SOLE   0 0 196
SYNCHRONY FINANCIAL COM 87165B103   2 70 SH   SOLE   0 0 70
TELEDYNE TECHNOLOGIES INC COM 879360105   99 250 SH   SOLE   0 0 250
TESLA INC COM 88160R101   91 741 SH   SOLE   0 0 741
THERMO FISHER SCIENTIFIC INC COM 883556102   88 160 SH   SOLE   0 0 160
TRUIST FINL CORP COM 89832Q109   50 1,192 SH   SOLE   0 0 1,192
UNION PAC CORP COM 907818108   523 2,527 SH   SOLE   0 0 2,527
UNITED BANKSHARES INC WEST V COM 909907107   410 10,042 SH   SOLE   0 0 10,042
UNITED PARCEL SERVICE INC CL B 911312106   15 89 SH   SOLE   0 0 89
UNITEDHEALTH GROUP INC COM 91324P102   39 75 SH   SOLE   0 0 75
VANGUARD BD INDEX FDS INTERMED TERM 921937819   4,321 58,150 SH   SOLE   0 0 58,150
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   5,818 80,328 SH   SOLE   0 0 80,328
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   10,874 144,457 SH   SOLE   0 0 144,457
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   25 353 SH   SOLE   0 0 353
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   14,945 315,100 SH   SOLE   0 0 315,100
VANGUARD INDEX FDS GROWTH ETF 922908736   15,416 72,341 SH   SOLE   0 0 72,341
VANGUARD INDEX FDS LARGE CAP ETF 922908637   13 76 SH   SOLE   0 0 76
VANGUARD INDEX FDS MID CAP ETF 922908629   41 203 SH   SOLE   0 0 203
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   268 1,494 SH   SOLE   0 0 1,494
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1 20 SH   SOLE   0 0 20
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   89 255 SH   SOLE   0 0 255
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,063 27,585 SH   SOLE   0 0 27,585
VANGUARD INDEX FDS TOTAL STK MKT 922908769   37 196 SH   SOLE   0 0 196
VANGUARD INDEX FDS VALUE ETF 922908744   17,035 121,361 SH   SOLE   0 0 121,361
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   0 8 SH   SOLE   0 0 8
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,427 190,544 SH   SOLE   0 0 190,544
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   37 440 SH   SOLE   0 0 440
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   184 3,737 SH   SOLE   0 0 3,737
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   6,814 149,709 SH   SOLE   0 0 149,709
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   571 7,600 SH   SOLE   0 0 7,600
VANGUARD STAR FDS VG TL INTL STK F 921909768   37 716 SH   SOLE   0 0 716
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   19,566 466,205 SH   SOLE   0 0 466,205
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   74 1,228 SH   SOLE   0 0 1,228
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   206 1,910 SH   SOLE   0 0 1,910
VERIZON COMMUNICATIONS INC COM 92343V104   14 360 SH   SOLE   0 0 360
VISA INC COM CL A 92826C839   64 310 SH   SOLE   0 0 310
WALMART INC COM 931142103   163 1,149 SH   SOLE   0 0 1,149
WARNER BROS DISCOVERY INC COM SER A 934423104   1 127 SH   SOLE   0 0 127
WELLS FARGO CO NEW COM 949746101   287 6,972 SH   SOLE   0 0 6,972