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   38 125 SH   SOLE   0 0 125
ACUSHNET HLDGS CORP COM 005098108   5 102 SH   SOLE   0 0 102
ADOBE SYSTEMS INCORPORATED COM 00724F101   60 119 SH   SOLE   0 0 119
ALPHABET INC CAP STK CL A 02079K305   94 720 SH   SOLE   0 0 720
ALPHABET INC CAP STK CL C 02079K107   26 200 SH   SOLE   0 0 200
ALTRIA GROUP INC COM 02209S103   129 3,073 SH   SOLE   0 0 3,073
AMAZON COM INC COM 023135106   66 526 SH   SOLE   0 0 526
AMERICAN ELEC PWR CO INC COM 025537101   9 130 SH   SOLE   0 0 130
AMERICAN WTR WKS CO INC NEW COM 030420103   9 80 SH   SOLE   0 0 80
APPLE INC COM 037833100   383 2,240 SH   SOLE   0 0 2,240
ARES CAPITAL CORP COM 04010L103   5 277 SH   SOLE   0 0 277
AT&T INC COM 00206R102   8 561 SH   SOLE   0 0 561
BANK AMERICA CORP COM 060505104   10 400 SH   SOLE   0 0 400
BAXTER INTL INC COM 071813109   3 100 SH   SOLE   0 0 100
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   229 655 SH   SOLE   0 0 655
BRIGHTHOUSE FINL INC COM 10922N103   0 3 SH   SOLE   0 0 3
BRISTOL-MYERS SQUIBB CO COM 110122108   10 180 SH   SOLE   0 0 180
CALIFORNIA RES CORP COM STOCK 13057Q305   6 113 SH   SOLE   0 0 113
CAPITAL ONE FINL CORP COM 14040H105   64 665 SH   SOLE   0 0 665
CARMAX INC COM 143130102   3 43 SH   SOLE   0 0 43
CHEVRON CORP NEW COM 166764100   20 124 SH   SOLE   0 0 124
CHURCH & DWIGHT CO INC COM 171340102   27 300 SH   SOLE   0 0 300
CINTAS CORP COM 172908105   21 45 SH   SOLE   0 0 45
CISCO SYS INC COM 17275R102   30 557 SH   SOLE   0 0 557
COCA COLA CO COM 191216100   8 143 SH   SOLE   0 0 143
CONSTELLATION ENERGY CORP COM 21037T109   25 230 SH   SOLE   0 0 230
COSTCO WHSL CORP NEW COM 22160K105   15 28 SH   SOLE   0 0 28
CURTISS WRIGHT CORP COM 231561101   68 350 SH   SOLE   0 0 350
DANAHER CORPORATION COM 235851102   12 50 SH   SOLE   0 0 50
DELTA AIR LINES INC DEL COM NEW 247361702   28 759 SH   SOLE   0 0 759
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   437 16,680 SH   SOLE   0 0 16,680
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   0 15 SH   SOLE   0 0 15
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1 77 SH   SOLE   0 0 77
DISNEY WALT CO COM 254687106   22 275 SH   SOLE   0 0 275
DOMINION ENERGY INC COM 25746U109   143 3,236 SH   SOLE   0 0 3,236
EATON CORP PLC SHS G29183103   31 150 SH   SOLE   0 0 150
ELEVANCE HEALTH INC COM 036752103   161 371 SH   SOLE   0 0 371
EXELON CORP COM 30161N101   27 723 SH   SOLE   0 0 723
EXTRA SPACE STORAGE INC COM 30225T102   6 50 SH   SOLE   0 0 50
EXXON MOBIL CORP COM 30231G102   566 4,794 SH   SOLE   0 0 4,794
FIRST TR EXCHANGE TRADED FD WTR ETF 33733B100   37 456 SH   SOLE   0 0 456
FORD MTR CO DEL COM 345370860   8 700 SH   SOLE   0 0 700
GENERAL ELECTRIC CO COM NEW 369604301   10 95 SH   SOLE   0 0 95
GENWORTH FINL INC COM CL A 37247D106   90 15,189 SH   SOLE   0 0 15,189
GROWGENERATION CORP COM 39986L109   0 50 SH   SOLE   0 0 50
HCA HEALTHCARE INC COM 40412C101   40 165 SH   SOLE   0 0 165
HERSHEY CO COM 427866108   75 375 SH   SOLE   0 0 375
HOME DEPOT INC COM 437076102   132 440 SH   SOLE   0 0 440
HONEYWELL INTL INC COM 438516106   24 133 SH   SOLE   0 0 133
INTEL CORP COM 458140100   13 375 SH   SOLE   0 0 375
INTERDIGITAL INC COM 45867G101   32 400 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   1,162 24,844 SH   SOLE   0 0 24,844
ISHARES INC CORE MSCI EMKT 46434G103   14 300 SH   SOLE   0 0 300
ISHARES TR CORE S&P MCP ETF 464287507   28 113 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   0 7 SH   SOLE   0 0 7
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
JOHNSON & JOHNSON COM 478160104   46 299 SH   SOLE   0 0 299
JPMORGAN CHASE & CO COM 46625H100   36 251 SH   SOLE   0 0 251
KIMBERLY-CLARK CORP COM 494368103   242 2,009 SH   SOLE   0 0 2,009
KINSALE CAP GROUP INC COM 49714P108   55 135 SH   SOLE   0 0 135
KYNDRYL HLDGS INC COMMON STOCK 50155Q100   0 20 SH   SOLE   0 0 20
LISTED FD TR ROUNDHILL BALL 53656F417   5 600 SH   SOLE   0 0 600
LOCKHEED MARTIN CORP COM 539830109   53 132 SH   SOLE   0 0 132
MARKEL GROUP INC COM 570535104   104 70 SH   SOLE   0 0 70
MASTERCARD INCORPORATED CL A 57636Q104   81 205 SH   SOLE   0 0 205
MCKESSON CORP COM 58155Q103   36 83 SH   SOLE   0 0 83
METLIFE INC COM 59156R108   2 40 SH   SOLE   0 0 40
MICROSOFT CORP COM 594918104   104 330 SH   SOLE   0 0 330
NEXTERA ENERGY INC COM 65339F101   22 400 SH   SOLE   0 0 400
NIKE INC CL B 654106103   0 2 SH   SOLE   0 0 2
NISOURCE INC COM 65473P105   146 5,932 SH   SOLE   0 0 5,932
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888   999 38,138 SH   SOLE   0 0 38,138
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   3,584 131,194 SH   SOLE   0 0 131,194
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   2,208 36,830 SH   SOLE   0 0 36,830
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   1,641 48,878 SH   SOLE   0 0 48,878
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   524 15,057 SH   SOLE   0 0 15,057
NUSHARES ETF TR NUVEEN ESG US 67092P870   955 45,308 SH   SOLE   0 0 45,308
OLD REP INTL CORP COM 680223104   288 10,709 SH   SOLE   0 0 10,709
ORACLE CORP COM 68389X105   40 380 SH   SOLE   0 0 380
PAYCHEX INC COM 704326107   31 275 SH   SOLE   0 0 275
PEPSICO INC COM 713448108   57 342 SH   SOLE   0 0 342
PFIZER INC COM 717081103   26 794 SH   SOLE   0 0 794
PHILLIPS 66 COM 718546104   46 383 SH   SOLE   0 0 383
PPL CORP COM 69351T106   27 1,160 SH   SOLE   0 0 1,160
PRICE T ROWE GROUP INC COM 74144T108   85 820 SH   SOLE   0 0 820
PROCTER AND GAMBLE CO COM 742718109   78 540 SH   SOLE   0 0 540
RAYTHEON TECHNOLOGIES CORP COM 75513E101   5 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   142 5,950 SH   SOLE   0 0 5,950
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   166 4,902 SH   SOLE   0 0 4,902
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   28 565 SH   SOLE   0 0 565
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,071 21,179 SH   SOLE   0 0 21,179
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   90 1,244 SH   SOLE   0 0 1,244
SCHWAB STRATEGIC TR US REIT ETF 808524847   0 47 SH   SOLE   0 0 47
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   80 1,936 SH   SOLE   0 0 1,936
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   170 3,861 SH   SOLE   0 0 3,861
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1 23 SH   SOLE   0 0 23
SIRIUS XM HOLDINGS INC COM 82968B103   2 600 SH   SOLE   0 0 600
SPDR S&P 500 ETF TR TR UNIT 78462F103   76 179 SH   SOLE   0 0 179
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   24 54 SH   SOLE   0 0 54
SYNCHRONY FINANCIAL COM 87165B103   2 72 SH   SOLE   0 0 72
TELEDYNE TECHNOLOGIES INC COM 879360105   102 250 SH   SOLE   0 0 250
TESLA INC COM 88160R101   184 741 SH   SOLE   0 0 741
THERMO FISHER SCIENTIFIC INC COM 883556102   80 160 SH   SOLE   0 0 160
TRUIST FINL CORP COM 89832Q109   28 1,009 SH   SOLE   0 0 1,009
UNION PAC CORP COM 907818108   472 2,322 SH   SOLE   0 0 2,322
UNITED BANKSHARES INC WEST V COM 909907107   277 10,042 SH   SOLE   0 0 10,042
UNITED PARCEL SERVICE INC CL B 911312106   12 79 SH   SOLE   0 0 79
UNITEDHEALTH GROUP INC COM 91324P102   38 75 SH   SOLE   0 0 75
VANGUARD BD INDEX FDS INTERMED TERM 921937819   4,728 65,391 SH   SOLE   0 0 65,391
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   6,038 90,046 SH   SOLE   0 0 90,046
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   11,862 157,807 SH   SOLE   0 0 157,807
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   16,343 341,702 SH   SOLE   0 0 341,702
VANGUARD INDEX FDS GROWTH ETF 922908736   19,783 72,651 SH   SOLE   0 0 72,651
VANGUARD INDEX FDS LARGE CAP ETF 922908637   14 76 SH   SOLE   0 0 76
VANGUARD INDEX FDS MID CAP ETF 922908629   42 203 SH   SOLE   0 0 203
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   290 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   100 255 SH   SOLE   0 0 255
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,064 26,784 SH   SOLE   0 0 26,784
VANGUARD INDEX FDS TOTAL STK MKT 922908769   103 486 SH   SOLE   0 0 486
VANGUARD INDEX FDS VALUE ETF 922908744   16,882 122,395 SH   SOLE   0 0 122,395
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   7,882 201,031 SH   SOLE   0 0 201,031
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   70 755 SH   SOLE   0 0 755
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   577 12,004 SH   SOLE   0 0 12,004
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   7,185 164,129 SH   SOLE   0 0 164,129
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   336 4,480 SH   SOLE   0 0 4,480
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   40 615 SH   SOLE   0 0 615
VANGUARD STAR FDS VG TL INTL STK F 921909768   38 716 SH   SOLE   0 0 716
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   20,979 479,844 SH   SOLE   0 0 479,844
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   1 28 SH   SOLE   0 0 28
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   197 1,910 SH   SOLE   0 0 1,910
VERIZON COMMUNICATIONS INC COM 92343V104   4 142 SH   SOLE   0 0 142
VISA INC COM CL A 92826C839   71 310 SH   SOLE   0 0 310
WALMART INC COM 931142103   184 1,150 SH   SOLE   0 0 1,150
WARNER BROS DISCOVERY INC COM SER A 934423104   1 127 SH   SOLE   0 0 127
WELLS FARGO CO NEW COM 949746101   278 6,811 SH   SOLE   0 0 6,811