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
Vanguard S&P 500 ETF ETF 922908363   20,832,859 50,954 SH   SOLE   50,954 0 0
Vanguard Small Cap ETF ETF 922908751   12,869,680 64,708 SH   SOLE   64,708 0 0
Apple Inc Common Stock 037833100   8,306,903 42,826 SH   SOLE   42,826 0 0
Nvidia Corp Common Stock 67066G104   5,725,576 13,535 SH   SOLE   13,535 0 0
Berkshire Hathaway Class B Common Stock 084670702   5,495,215 16,115 SH   SOLE   16,115 0 0
Vanguard Muni Bond Tax Exempt ETF ETF 922907746   4,427,194 88,156 SH   SOLE   88,156 0 0
Alphabet Inc. Class C Common Stock 02079K107   4,130,642 34,146 SH   SOLE   34,146 0 0
McKesson Corp Common Stock 58155Q103   3,920,955 9,164 SH   SOLE   9,164 0 0
Merck & Co. Inc. Common Stock 58933Y105   3,832,034 32,999 SH   SOLE   32,999 0 0
Vanguard Small Cap Value ETF ETF 922908611   3,491,925 21,112 SH   SOLE   21,112 0 0
Arch Cap Group LTD F Common Stock G0450A105   3,488,833 46,611 SH   SOLE   46,611 0 0
Cisco Systems Common Stock 17275R102   3,193,633 61,725 SH   SOLE   61,725 0 0
Microsoft Common Stock 594918104   3,050,649 8,958 SH   SOLE   8,958 0 0
Dominion Energy Inc Common Stock 25746U109   2,881,322 55,635 SH   SOLE   55,635 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858   2,741,337 59,362 SH   SOLE   59,362 0 0
Procter & Gamble Common Stock 742718109   2,706,576 17,837 SH   SOLE   17,837 0 0
CIGNA Corp Common Stock 125523100   2,599,198 9,263 SH   SOLE   9,263 0 0
PNC Financial Services Common Stock 693475105   2,541,923 20,182 SH   SOLE   20,182 0 0
iShares Russell 2000 ETF ETF 464287655   2,454,735 13,108 SH   SOLE   13,108 0 0
Comcast Corp Class A Common Stock 20030N101   2,448,331 58,925 SH   SOLE   58,925 0 0
JPMorgan Chase Common Stock 46625H100   2,405,287 16,538 SH   SOLE   16,538 0 0
Altria Group Inc Common Stock 02209S103   2,363,220 51,189 SH   SOLE   51,189 0 0
Pfizer Common Stock 717081103   2,334,681 63,650 SH   SOLE   63,650 0 0
iShares Core US REIT ETF ETF 464288521   2,252,169 43,808 SH   SOLE   43,808 0 0
Williams Cos Inc Common Stock 969457100   2,245,190 68,808 SH   SOLE   68,808 0 0
Johnson & Johnson Common Stock 478160104   2,221,657 13,422 SH   SOLE   13,422 0 0
Broadcom Inc Common Stock 11135F101   2,185,924 2,520 SH   SOLE   2,520 0 0
Lockheed Martin Corp Common Stock 539830109   2,183,128 4,742 SH   SOLE   4,742 0 0
Verizon Common Stock 92343V104   2,163,046 58,162 SH   SOLE   58,162 0 0
Charles Schwab Corp Common Stock 808513105   2,150,793 37,946 SH   SOLE   37,946 0 0
Check PT Software F Common Stock M22465104   2,093,583 16,666 SH   SOLE   16,666 0 0
Vertex Pharmaceutical Common Stock 92532F100   2,047,764 5,819 SH   SOLE   5,819 0 0
Progressive Co. Common Stock 743315103   1,967,024 14,860 SH   SOLE   14,860 0 0
Vanguard Total Bond Market ETF ETF 921937835   1,718,174 23,637 SH   SOLE   23,637 0 0
Target Corp Common Stock 87612E106   1,718,156 13,026 SH   SOLE   13,026 0 0
Philip Morris Intl Common Stock 718172109   1,702,667 17,230 SH   SOLE   17,230 0 0
Lab Corp Of America Common Stock 50540R409   1,655,282 6,859 SH   SOLE   6,859 0 0
Wells Fargo & Co Common Stock 949746101   1,607,767 37,670 SH   SOLE   37,670 0 0
Meta Platforms Inc Class A Common Stock 30303M102   1,592,739 5,550 SH   SOLE   5,550 0 0
Dropbox Inc Class A Common Stock 26210C104   1,589,799 59,610 SH   SOLE   59,610 0 0
O'Reilly Automotive Common Stock 67103H107   1,535,167 1,607 SH   SOLE   1,607 0 0
Steel Dynamics Inc Common Stock 858119100   1,515,332 13,857 SH   SOLE   13,857 0 0
Vanguard FTSE All World Ex US ETF ETF 922042775   1,499,104 27,552 SH   SOLE   27,552 0 0
NVR Inc. Common Stock 62944T105   1,498,746 236 SH   SOLE   236 0 0
Wal-Mart Common Stock 931142103   1,467,275 9,335 SH   SOLE   9,335 0 0
Raytheon Technologies Co Common Stock 75513E101   1,430,322 14,601 SH   SOLE   14,601 0 0
Chevron Corp. Common Stock 166764100   1,409,710 8,959 SH   SOLE   8,959 0 0
Baker Hughes Co. Class A Common Stock 05722G100   1,388,236 43,918 SH   SOLE   43,918 0 0
Expeditors International of Washington Common Stock 302130109   1,283,736 10,598 SH   SOLE   10,598 0 0
Norfolk Southern Co Common Stock 655844108   1,155,403 5,095 SH   SOLE   5,095 0 0
ExxonMobil Common Stock 30231G102   1,141,982 10,648 SH   SOLE   10,648 0 0
Eli Lilly & Co. Common Stock 532457108   1,101,165 2,348 SH   SOLE   2,348 0 0
Marathon Pete Corp Common Stock 56585A102   1,083,990 9,297 SH   SOLE   9,297 0 0
Oracle Corp Common Stock 68389X105   1,046,682 8,789 SH   SOLE   8,789 0 0
Bank Of America Corp Common Stock 060505104   1,020,714 35,577 SH   SOLE   35,577 0 0
Abbvie Inc Common Stock 00287Y109   1,010,744 7,502 SH   SOLE   7,502 0 0
iShares S&P Small Cap 600 ETF ETF 464287879   986,654 10,376 SH   SOLE   10,376 0 0
Bristol-Myers Squibb Common Stock 110122108   985,927 15,417 SH   SOLE   15,417 0 0
Booking Holdings Inc Common Stock 09857L108   982,920 364 SH   SOLE   364 0 0
SPDR S&P 500 ETF ETF 78462F103   953,460 2,143 SH   SOLE   2,143 0 0
Autozone Inc Common Stock 053332102   905,090 363 SH   SOLE   363 0 0
VMware Inc Class A Common Stock 928563402   889,154 6,188 SH   SOLE   6,188 0 0
Mastercard Inc Class A Common Stock 57636Q104   872,733 2,219 SH   SOLE   2,219 0 0
Post Holdings Inc Common Stock 737446104   831,320 9,594 SH   SOLE   9,594 0 0
EOG Resources Inc. Common Stock 26875P101   806,115 7,044 SH   SOLE   7,044 0 0
Applied Materials Common Stock 038222105   770,846 5,333 SH   SOLE   5,333 0 0
CBRE Group Inc Class A Common Stock 12504L109   764,647 9,474 SH   SOLE   9,474 0 0
Ulta Beauty Inc. Common Stock 90384S303   761,423 1,618 SH   SOLE   1,618 0 0
Builders Firstsource Common Stock 12008R107   753,304 5,539 SH   SOLE   5,539 0 0
American Express Co Common Stock 025816109   736,343 4,227 SH   SOLE   4,227 0 0
Autodesk Inc Common Stock 052769106   714,294 3,491 SH   SOLE   3,491 0 0
Lennar Corp Class A Common Stock 526057104   702,864 5,609 SH   SOLE   5,609 0 0
Texas Instruments Common Stock 882508104   681,196 3,784 SH   SOLE   3,784 0 0
RGC Resources Inc Common Stock 74955L103   674,650 33,682 SH   SOLE   33,682 0 0
Accenture PLC F Class A Common Stock G1151C101   666,533 2,160 SH   SOLE   2,160 0 0
Nucor Corp Common Stock 670346105   656,315 3,990 SH   SOLE   3,990 0 0
McDonald's Common Stock 580135101   607,264 2,035 SH   SOLE   2,035 0 0
Northrop Grumman Corp Common Stock 666807102   603,935 1,325 SH   SOLE   1,325 0 0
Equinix Inc REIT Common Stock 29444U700   594,227 758 SH   SOLE   758 0 0
Paychex Inc Common Stock 704326107   590,562 5,279 SH   SOLE   5,279 0 0
CVS Health Corp Common Stock 126650100   586,469 8,484 SH   SOLE   8,484 0 0
Lam Research Corp Common Stock 512807108   580,127 900 SH   SOLE   900 0 0
Willis Towers Watson P F Common Stock G96629103   544,291 2,303 SH   SOLE   2,303 0 0
Visa Inc Class A Common Stock 92826C839   544,067 2,291 SH   SOLE   2,291 0 0
Diageo PLC Common Stock 25243Q205   517,491 2,983 SH   SOLE   2,983 0 0
Qualcomm Inc Common Stock 747525103   516,396 4,338 SH   SOLE   4,338 0 0
Lowes Companies Inc Common Stock 548661107   503,762 2,232 SH   SOLE   2,232 0 0
Home Depot Common Stock 437076102   500,130 1,610 SH   SOLE   1,610 0 0
Mondelez Intl Class A Common Stock 609207105   489,664 6,678 SH   SOLE   6,678 0 0
Regeneron Pharms Inc Common Stock 75886F107   486,452 677 SH   SOLE   677 0 0
Honeywell Intl Inc Common Stock 438516106   471,440 2,272 SH   SOLE   2,272 0 0
Nestle S A F Sponsored ADR Common Stock 641069406   454,081 3,773 SH   SOLE   3,773 0 0
Abbott Laboratories Common Stock 002824100   451,234 4,139 SH   SOLE   4,139 0 0
Starbucks Corp Common Stock 855244109   450,327 4,546 SH   SOLE   4,546 0 0
LKQ Corp Common Stock 501889208   443,959 7,619 SH   SOLE   7,619 0 0
EQT Corp Common Stock 26884L109   410,272 9,975 SH   SOLE   9,975 0 0
Air Prod & Chemicals Common Stock 009158106   400,702 1,330 SH   SOLE   1,330 0 0
Walt Disney Common Stock 254687106   396,150 4,437 SH   SOLE   4,437 0 0
UnitedHealth Group Common Stock 91324P102   393,644 819 SH   SOLE   819 0 0
Coca-Cola Common Stock 191216100   383,540 6,293 SH   SOLE   6,293 0 0
Danaher Corp Common Stock 235851102   379,421 1,579 SH   SOLE   1,579 0 0
Textron Inc Common Stock 883203101   379,246 5,606 SH   SOLE   5,606 0 0
Crown Castle Intl Co REIT Common Stock 22822V101   374,293 3,285 SH   SOLE   3,285 0 0
Amazon.com Inc Common Stock 023135106   364,095 2,793 SH   SOLE   2,793 0 0
United Parcel Service Class B Common Stock 911312106   362,444 2,022 SH   SOLE   2,022 0 0
Nintendo LTD F Sponsored ADR Common Stock 654445303   361,992 30,958 SH   SOLE   30,958 0 0
TJX Companies Inc Common Stock 872540109   356,118 4,200 SH   SOLE   4,200 0 0
Duke Energy Corp Common Stock 26441C204   353,217 3,936 SH   SOLE   3,936 0 0
Ameriprise Financial Common Stock 03076C106   337,807 1,017 SH   SOLE   1,017 0 0
L3Harris Technologies Inc. Common Stock 502431109   333,592 1,704 SH   SOLE   1,704 0 0
Verisign Inc Common Stock 92343E102   328,786 1,455 SH   SOLE   1,455 0 0
Fidelity Natl Info Common Stock 31620M106   328,638 6,008 SH   SOLE   6,008 0 0
Deere & Co Common Stock 244199105   314,991 775 SH   SOLE   775 0 0
Astrazeneca ADR Common Stock 046353108   313,119 4,375 SH   SOLE   4,375 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   302,333 4,479 SH   SOLE   4,479 0 0
Discover Financial Services Common Stock 254709108   298,785 2,557 SH   SOLE   2,557 0 0
BlackRock Inc Common Stock 09247X101   296,499 429 SH   SOLE   429 0 0
Micron Technology Common Stock 595112103   273,897 4,340 SH   SOLE   4,340 0 0
Truist Finl Corp Common Stock 89832Q109   272,270 8,971 SH   SOLE   8,971 0 0
S&P Global Inc Common Stock 78409V104   261,781 653 SH   SOLE   653 0 0
Nextera Energy Inc Common Stock 65339F101   261,036 3,518 SH   SOLE   3,518 0 0
CSX Corp Common Stock 126408103   255,000 7,478 SH   SOLE   7,478 0 0
General Electric Co Common Stock 369604301   245,912 2,239 SH   SOLE   2,239 0 0
Analog Devices Inc Common Stock 032654105   244,487 1,255 SH   SOLE   1,255 0 0
Colgate-Palmolive Co Common Stock 194162103   240,750 3,125 SH   SOLE   3,125 0 0
Westrock Co Common Stock 96145D105   240,525 8,274 SH   SOLE   8,274 0 0
Fastenal Co Common Stock 311900104   227,288 3,853 SH   SOLE   3,853 0 0
Vanguard Dividend Appreciation ETF ETF 921908844   217,223 1,331 SH   SOLE   1,331 0 0
Nisource Inc 00500 Common Stock 65473P105   217,132 7,939 SH   SOLE   7,939 0 0
Union Pacific Corp Common Stock 907818108   215,260 1,052 SH   SOLE   1,052 0 0
Southern Co Common Stock 842587107   209,626 2,984 SH   SOLE   2,984 0 0
Dell Technologies Inc Class C Common Stock 24703L202   206,159 3,810 SH   SOLE   3,810 0 0
Prudential Financial Common Stock 744320102   200,701 2,275 SH   SOLE   2,275 0 0
Sprott Physical Gold Trust Common Stock 85207H104   164,344 11,015 SH   SOLE   11,015 0 0
Applied Energetics Common Stock 03819M106   160,321 62,871 SH   SOLE   62,871 0 0