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
ABBOTT LABS COM 002824100   250,052 2,200 SH   SOLE   0 0 2,200
ABBVIE INC COM 00287Y109   223,595 1,228 SH   SOLE   0 0 1,228
ALPHABET INC CAP STK CL A 02079K305   396,342 2,626 SH   SOLE   0 0 2,626
ALPHABET INC CAP STK CL C 02079K107   392,374 2,577 SH   SOLE   0 0 2,577
AMAZON COM INC COM 023135106   1,096,350 6,078 SH   SOLE   0 0 6,078
APPLE INC COM 037833100   1,300,282 7,583 SH   SOLE   0 0 7,583
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   701,007 1,667 SH   SOLE   0 0 1,667
CAPITAL ONE FINL CORP COM 14040H105   251,029 1,686 SH   SOLE   0 0 1,686
CARDINAL HEALTH INC COM 14149Y108   242,040 2,163 SH   SOLE   0 0 2,163
CARTER BANKSHARES INC COM NEW 146103106   221,744 17,543 SH   SOLE   0 0 17,543
CHEVRON CORP COM 166764100   335,030 2,124 SH   SOLE   0 0 2,124
CSX CORP COM 126408103   597,420 16,116 SH   SOLE   0 0 16,116
CVS HEALTH CORP COM 126650100   498,967 6,256 SH   SOLE   0 0 6,256
DANAHER CORPORATION COM 235851102   468,225 1,875 SH   SOLE   0 0 1,875
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   341,442 9,291 SH   SOLE   0 0 9,291
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   685,352 21,451 SH   SOLE   0 0 21,451
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,025,829 18,847 SH   SOLE   0 0 18,847
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   763,809 30,024 SH   SOLE   0 0 30,024
EDWARDS LIFESCIENCES CORP COM 28176E108   1,106,967 11,584 SH   SOLE   0 0 11,584
EXXON MOBIL CORP COM 30231G102   1,460,672 12,566 SH   SOLE   0 0 12,566
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107   1,453,870 6,656 SH   SOLE   0 0 6,656
GE AEROSPACE COM NEW 369604301   957,322 5,454 SH   SOLE   0 0 5,454
HESS CORP COM 42809H107   686,269 4,496 SH   SOLE   0 0 4,496
ISHARES TR CORE INTL AGGR 46435G672   1,834,007 36,717 SH   SOLE   0 0 36,717
ISHARES TR CORE MSCI EAFE 46432F842   510,202 6,874 SH   SOLE   0 0 6,874
ISHARES INC CORE MSCI EMKT 46434G103   213,484 4,137 SH   SOLE   0 0 4,137
ISHARES TR CORE S&P500 ETF 464287200   638,096 1,214 SH   SOLE   0 0 1,214
ISHARES TR CORE S&P MCP ETF 464287507   347,944 5,728 SH   SOLE   0 0 5,728
ISHARES TR CORE S&P SCP ETF 464287804   336,640 3,046 SH   SOLE   0 0 3,046
ISHARES TR CORE US AGGBD ET 464287226   336,522 3,436 SH   SOLE   0 0 3,436
ISHARES TR MSCI EAFE ETF 464287465   888,798 11,129 SH   SOLE   0 0 11,129
ISHARES TR EAFE SML CP ETF 464288273   3,020,613 47,696 SH   SOLE   0 0 47,696
ISHARES TR MSCI EMG MKT ETF 464287234   219,573 5,345 SH   SOLE   0 0 5,345
ISHARES TR MSCI EMRG CHN 46434G764   1,172,724 20,370 SH   SOLE   0 0 20,370
ISHARES TR NATIONAL MUN ETF 464288414   3,550,138 32,994 SH   SOLE   0 0 32,994
ISHARES TR RUS 1000 GRW ETF 464287614   1,294,272 3,840 SH   SOLE   0 0 3,840
ISHARES TR RUS 1000 VAL ETF 464287598   743,127 4,149 SH   SOLE   0 0 4,149
ISHARES TR RUS 2000 VAL ETF 464287630   201,643 1,270 SH   SOLE   0 0 1,270
ISHARES TR RUSSELL 3000 ETF 464287689   267,371 891 SH   SOLE   0 0 891
ISHARES TR RUS MID CAP ETF 464287499   298,287 3,547 SH   SOLE   0 0 3,547
ISHARES TR RUS MD CP GR ETF 464287481   388,452 3,403 SH   SOLE   0 0 3,403
ISHARES TR RUS MDCP VAL ETF 464287473   405,819 3,238 SH   SOLE   0 0 3,238
ISHARES TR S&P 500 GRWT ETF 464287309   441,490 5,228 SH   SOLE   0 0 5,228
ISHARES TR S&P 500 VAL ETF 464287408   344,544 1,844 SH   SOLE   0 0 1,844
ISHARES TR SHRT NAT MUN ETF 464288158   8,613,209 82,242 SH   SOLE   0 0 82,242
ISHARES TR U S EQUITY FACTR 46434V282   1,679,875 31,219 SH   SOLE   0 0 31,219
JOHNSON & JOHNSON COM 478160104   446,818 2,825 SH   SOLE   0 0 2,825
LOWES COS INC COM 548661107   598,042 2,348 SH   SOLE   0 0 2,348
MCDONALDS CORP COM 580135101   447,556 1,587 SH   SOLE   0 0 1,587
META PLATFORMS INC CL A 30303M102   319,512 658 SH   SOLE   0 0 658
MICROSOFT CORP COM 594918104   846,973 2,013 SH   SOLE   0 0 2,013
MONDELEZ INTL INC CL A 609207105   268,450 3,835 SH   SOLE   0 0 3,835
NATIONAL BANKSHARES INC VA COM COM 634865109   497,203 14,882 SH   SOLE   0 0 14,882
NIKE INC CL B 654106103   886,881 9,437 SH   SOLE   0 0 9,437
NORFOLK SOUTHN CORP COM 655844108   2,976,372 11,678 SH   SOLE   0 0 11,678
PEPSICO INC COM 713448108   244,773 1,399 SH   SOLE   0 0 1,399
PFIZER INC COM 717081103   270,562 9,750 SH   SOLE   0 0 9,750
PHILIP MORRIS INTL INC COM 718172109   230,424 2,515 SH   SOLE   0 0 2,515
PROCTER AND GAMBLE CO COM 742718109   481,373 2,967 SH   SOLE   0 0 2,967
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   308,651 6,710 SH   SOLE   0 0 6,710
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   220,339 554 SH   SOLE   0 0 554
SPDR SER TR PORTFOLIO AGRGTE 78464A649   1,963,613 77,675 SH   SOLE   0 0 77,675
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   8,291,517 231,348 SH   SOLE   0 0 231,348
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,276,398 62,901 SH   SOLE   0 0 62,901
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,658,853 36,348 SH   SOLE   0 0 36,348
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,021,643 60,312 SH   SOLE   0 0 60,312
SPDR SER TR PORTFOLIO SH TSR 78468R101   1,641,233 56,751 SH   SOLE   0 0 56,751
SPDR S&P 500 ETF TR TR UNIT 78462F103   321,187 614 SH   SOLE   0 0 614
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,122,123 12,864 SH   SOLE   0 0 12,864
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,946,809 23,464 SH   SOLE   0 0 23,464
STEEL DYNAMICS INC COM 858119100   1,137,517 7,674 SH   SOLE   0 0 7,674
TEXAS PACIFIC LAND CORPORATION COM 88262P102   413,056 714 SH   SOLE   0 0 714
TRUIST FINL CORP COM 89832Q109   530,557 13,611 SH   SOLE   0 0 13,611
UDR INC COM 902653104   462,687 12,368 SH   SOLE   0 0 12,368
UNION PAC CORP COM 907818108   295,116 1,200 SH   SOLE   0 0 1,200
UNITEDHEALTH GROUP INC COM 91324P102   208,269 421 SH   SOLE   0 0 421
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   3,074,931 17,544 SH   SOLE   0 0 17,544
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,358,003 23,154 SH   SOLE   0 0 23,154
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   11,520,489 98,601 SH   SOLE   0 0 98,601
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   36,701,333 731,539 SH   SOLE   0 0 731,539
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   11,716,031 280,489 SH   SOLE   0 0 280,489
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   243,161 3,611 SH   SOLE   0 0 3,611
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,380,593 32,762 SH   SOLE   0 0 32,762
VANGUARD INDEX FDS GROWTH ETF 922908736   50,768,205 147,496 SH   SOLE   0 0 147,496
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,377,010 18,263 SH   SOLE   0 0 18,263
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   4,160,411 51,676 SH   SOLE   0 0 51,676
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,771,808 7,390 SH   SOLE   0 0 7,390
VANGUARD INDEX FDS MID CAP ETF 922908629   3,627,976 14,520 SH   SOLE   0 0 14,520
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   351,801 1,492 SH   SOLE   0 0 1,492
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   13,106,448 151,555 SH   SOLE   0 0 151,555
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,024,812 12,533 SH   SOLE   0 0 12,533
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   28,205,571 367,883 SH   SOLE   0 0 367,883
VANGUARD INDEX FDS SM CP VAL ETF 922908611   17,538,892 91,406 SH   SOLE   0 0 91,406
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,591,244 6,961 SH   SOLE   0 0 6,961
VANGUARD INDEX FDS SML CP GRW ETF 922908595   16,759,845 64,283 SH   SOLE   0 0 64,283
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   11,134,095 220,043 SH   SOLE   0 0 220,043
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   49,081,502 675,775 SH   SOLE   0 0 675,775
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   40,375,386 820,805 SH   SOLE   0 0 820,805
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,056,195 17,516 SH   SOLE   0 0 17,516
VANGUARD INDEX FDS TOTAL STK MKT 922908769   8,400,914 32,324 SH   SOLE   0 0 32,324
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   2,670,434 21,046 SH   SOLE   0 0 21,046
VANGUARD INDEX FDS VALUE ETF 922908744   46,443,952 285,177 SH   SOLE   0 0 285,177
WALMART INC COM 931142103   367,518 6,108 SH   SOLE   0 0 6,108