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
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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
Abbvie Inc Common Stock 00287Y109   2,444,264 13,755 SH   SOLE   0 0 13,755
Alphabet Inc. Class C Common Stock 02079K107   8,857,174 46,509 SH   SOLE   0 0 46,509
Altria Group Inc Common Stock 02209S103   3,400,080 63,779 SH   SOLE   0 0 63,779
Amazon.com Inc Common Stock 023135106   3,722,171 16,966 SH   SOLE   0 0 16,966
Apple Inc Common Stock 037833100   15,006,168 59,924 SH   SOLE   0 0 59,924
Applied Energetics Common Stock 03819M106   57,453 89,770 SH   SOLE   0 0 89,770
Arch Cap Group LTD F Common Stock G0450A105   3,001,744 32,504 SH   SOLE   0 0 32,504
Baker Hughes Co. Class A Common Stock 05722G100   1,751,882 42,708 SH   SOLE   0 0 42,708
Bank Of America Corp Common Stock 060505104   1,993,308 45,354 SH   SOLE   0 0 45,354
Berkshire Hathaway Class B Common Stock 084670702   7,572,496 16,706 SH   SOLE   0 0 16,706
Booking Holdings Inc Common Stock 09857L108   3,477,894 700 SH   SOLE   0 0 700
Bristol-Myers Squibb Common Stock 110122108   2,997,968 53,005 SH   SOLE   0 0 53,005
Broadcom Inc Common Stock 11135F101   6,394,843 27,583 SH   SOLE   0 0 27,583
Charles Schwab Corp Common Stock 808513105   2,003,599 27,072 SH   SOLE   0 0 27,072
Check PT Software F Common Stock M22465104   3,643,451 19,515 SH   SOLE   0 0 19,515
Chevron Corp. Common Stock 166764100   1,462,896 10,100 SH   SOLE   0 0 10,100
CIGNA Corp Common Stock 125523100   2,326,203 8,424 SH   SOLE   0 0 8,424
Cisco Systems Common Stock 17275R102   3,053,358 51,577 SH   SOLE   0 0 51,577
Citigroup Inc Common Stock 172967424   844,962 12,004 SH   SOLE   0 0 12,004
Comcast Corp Class A Common Stock 20030N101   1,116,893 29,760 SH   SOLE   0 0 29,760
CRH Public Limited Co F Common Stock G25508105   1,587,181 17,155 SH   SOLE   0 0 17,155
Dominion Energy Inc Common Stock 25746U109   1,578,852 29,314 SH   SOLE   0 0 29,314
Dropbox Inc Class A Common Stock 26210C104   3,622,343 120,584 SH   SOLE   0 0 120,584
Eli Lilly & Co. Common Stock 532457108   3,807,504 4,932 SH   SOLE   0 0 4,932
EOG Resources Inc. Common Stock 26875P101   1,713,178 13,976 SH   SOLE   0 0 13,976
EQT Corp Common Stock 26884L109   461,146 10,001 SH   SOLE   0 0 10,001
Expeditors International of Washington Common Stock 302130109   1,335,665 12,058 SH   SOLE   0 0 12,058
ExxonMobil Common Stock 30231G102   2,334,899 21,706 SH   SOLE   0 0 21,706
Fox Corp Class A Common Stock 35137L105   501,491 10,323 SH   SOLE   0 0 10,323
iShares Core MSCI EAFE ETF ETF 46432F842   2,475,894 35,229 SH   SOLE   0 0 35,229
iShares Russell 2000 ETF ETF 464287655   2,808,623 12,711 SH   SOLE   0 0 12,711
iShares S&P Small Cap 600 Value ETF ETF 464287879   1,121,833 10,329 SH   SOLE   0 0 10,329
Johnson & Johnson Common Stock 478160104   2,493,487 17,242 SH   SOLE   0 0 17,242
JPMorgan Active Growth ETF ETF 46654Q609   1,187,333 14,653 SH   SOLE   0 0 14,653
JPMorgan Active Value ETF ETF 46641Q167   1,572,435 24,841 SH   SOLE   0 0 24,841
JPMorgan Activebld Emrg MRKT Eqy ETF ETF 46641Q266   516,520 13,807 SH   SOLE   0 0 13,807
JPMorgan Betabuild Interl Eqy ETF ETF 46641Q373   1,641,282 28,744 SH   SOLE   0 0 28,744
JPMorgan Betabuilders US Eqy ETF ETF 46641Q399   4,192,631 39,583 SH   SOLE   0 0 39,583
JPMorgan Chase Common Stock 46625H100   4,178,145 17,430 SH   SOLE   0 0 17,430
JPMorgan Global Select Equity ETF ETF 46654Q740   1,889,459 31,470 SH   SOLE   0 0 31,470
JPMorgan U.S. Quality Factor ETF ETF 46641Q761   826,234 14,427 SH   SOLE   0 0 14,427
Lam Research Corp Common Stock 512807306   745,609 10,292 SH   SOLE   0 0 10,292
Marathon Pete Corp Common Stock 56585A102   1,658,901 11,892 SH   SOLE   0 0 11,892
McKesson Corp Common Stock 58155Q103   4,628,324 8,111 SH   SOLE   0 0 8,111
Merck & Co. Inc. Common Stock 58933Y105   3,723,229 37,131 SH   SOLE   0 0 37,131
Meta Platforms Inc Class A Common Stock 30303M102   5,691,157 9,720 SH   SOLE   0 0 9,720
Microsoft Common Stock 594918104   6,684,261 15,858 SH   SOLE   0 0 15,858
Nintendo LTD F Sponsored ADR Common Stock 654445303   474,509 32,434 SH   SOLE   0 0 32,434
Nvidia Corp Common Stock 67066G104   20,974,755 156,190 SH   SOLE   0 0 156,190
NVR Inc. Common Stock 62944T105   3,508,748 429 SH   SOLE   0 0 429
Oracle Corp Common Stock 68389X105   1,699,061 10,196 SH   SOLE   0 0 10,196
Pepsico Inc Common Stock 713448108   1,828,089 11,934 SH   SOLE   0 0 11,934
Pfizer Common Stock 717081103   270,526 10,197 SH   SOLE   0 0 10,197
Philip Morris Intl Common Stock 718172109   4,153,920 34,134 SH   SOLE   0 0 34,134
Procter & Gamble Common Stock 742718109   3,230,601 19,270 SH   SOLE   0 0 19,270
Progressive Co. Common Stock 743315103   3,266,614 13,633 SH   SOLE   0 0 13,633
Pultegroup Inc Common Stock 745867101   2,898,532 26,563 SH   SOLE   0 0 26,563
Qualcomm Inc Common Stock 747525103   1,918,407 12,488 SH   SOLE   0 0 12,488
Raytheon Technologies Co Common Stock 75513E101   1,651,324 14,270 SH   SOLE   0 0 14,270
Schwab US Large Cap Growth ETF ETF 808524300   304,898 10,940 SH   SOLE   0 0 10,940
Target Corp Common Stock 87612E106   1,445,209 10,691 SH   SOLE   0 0 10,691
Tesla Inc Common Stock 88160R101   2,891,898 7,161 SH   SOLE   0 0 7,161
Truist Finl Corp Common Stock 89832Q109   504,640 11,633 SH   SOLE   0 0 11,633
Vanguard FTSE All World Ex US ETF ETF 922042775   3,580,777 62,372 SH   SOLE   0 0 62,372
Vanguard FTSE Developed Markets ETF ETF 921943858   1,120,757 23,437 SH   SOLE   0 0 23,437
Vanguard Russell 1000 Growth ETF ETF 92206C680   1,390,418 13,460 SH   SOLE   0 0 13,460
Vanguard S&P 500 ETF ETF 922908363   48,010,594 89,105 SH   SOLE   0 0 89,105
Vanguard Small Cap ETF ETF 922908751   22,679,139 94,386 SH   SOLE   0 0 94,386
Vanguard Small Cap Value ETF ETF 922908611   3,583,887 18,084 SH   SOLE   0 0 18,084
Verizon Common Stock 92343V104   857,706 21,448 SH   SOLE   0 0 21,448
Vertex Pharmaceutical Common Stock 92532F100   2,303,847 5,721 SH   SOLE   0 0 5,721
Vistra Energy Corp Common Stock 92840M102   6,558,200 47,568 SH   SOLE   0 0 47,568
Wal-Mart Common Stock 931142103   2,985,824 32,972 SH   SOLE   0 0 32,972
Wells Fargo & Co Common Stock 949746101   3,352,004 47,722 SH   SOLE   0 0 47,722
Williams Cos Inc Common Stock 969457100   3,612,147 66,743 SH   SOLE   0 0 66,743