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   242,154 2,200 SH   SOLE   0 0 2,200
ALPHABET INC CAP STK CL A 02079K305   356,349 2,551 SH   SOLE   0 0 2,551
ALPHABET INC CAP STK CL C 02079K107   360,781 2,560 SH   SOLE   0 0 2,560
AMAZON COM INC COM 023135106   954,335 6,281 SH   SOLE   0 0 6,281
APPLE INC COM 037833100   1,479,832 7,686 SH   SOLE   0 0 7,686
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   558,886 1,567 SH   SOLE   0 0 1,567
CAPITAL ONE FINL CORP COM 14040H105   221,068 1,686 SH   SOLE   0 0 1,686
CARDINAL HEALTH INC COM 14149Y108   218,030 2,163 SH   SOLE   0 0 2,163
CARTER BANKSHARES INC COM NEW 146103106   333,831 22,300 SH   SOLE   0 0 22,300
CHEVRON CORP COM 166764100   316,780 2,124 SH   SOLE   0 0 2,124
CSX CORP COM 126408103   558,742 16,116 SH   SOLE   0 0 16,116
CVS HEALTH CORP COM 126650100   493,951 6,256 SH   SOLE   0 0 6,256
DANAHER CORPORATION COM 235851102   433,763 1,875 SH   SOLE   0 0 1,875
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   256,213 7,457 SH   SOLE   0 0 7,457
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   627,193 21,457 SH   SOLE   0 0 21,457
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   985,187 18,826 SH   SOLE   0 0 18,826
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   732,712 30,005 SH   SOLE   0 0 30,005
EDWARDS LIFESCIENCES CORP COM 28176E108   883,280 11,584 SH   SOLE   0 0 11,584
EXXON MOBIL CORP COM 30231G102   1,256,349 12,566 SH   SOLE   0 0 12,566
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107   1,285,074 6,656 SH   SOLE   0 0 6,656
GE AEROSPACE COM NEW 369604301   695,890 5,452 SH   SOLE   0 0 5,452
HESS CORP COM 42809H107   648,143 4,496 SH   SOLE   0 0 4,496
INVESCO QQQ TR UNIT SER 1 46090E103   280,940 686 SH   SOLE   0 0 686
ISHARES TR CORE INTL AGGR 46435G672   1,828,500 36,717 SH   SOLE   0 0 36,717
ISHARES TR CORE MSCI EAFE 46432F842   483,599 6,874 SH   SOLE   0 0 6,874
ISHARES INC CORE MSCI EMKT 46434G103   210,832 4,168 SH   SOLE   0 0 4,168
ISHARES TR CORE S&P500 ETF 464287200   579,716 1,214 SH   SOLE   0 0 1,214
ISHARES TR CORE S&P MCP ETF 464287507   229,142 827 SH   SOLE   0 0 827
ISHARES TR CORE S&P SCP ETF 464287804   240,950 2,226 SH   SOLE   0 0 2,226
ISHARES TR MSCI EAFE ETF 464287465   838,604 11,129 SH   SOLE   0 0 11,129
ISHARES TR EAFE SML CP ETF 464288273   3,051,983 49,305 SH   SOLE   0 0 49,305
ISHARES TR MSCI EMG MKT ETF 464287234   214,922 5,345 SH   SOLE   0 0 5,345
ISHARES TR MSCI EMRG CHN 46434G764   1,040,334 18,775 SH   SOLE   0 0 18,775
ISHARES TR NATIONAL MUN ETF 464288414   3,587,897 33,096 SH   SOLE   0 0 33,096
ISHARES TR RUS 1000 GRW ETF 464287614   1,164,173 3,840 SH   SOLE   0 0 3,840
ISHARES TR RUS 1000 VAL ETF 464287598   685,622 4,149 SH   SOLE   0 0 4,149
ISHARES TR RUSSELL 3000 ETF 464287689   243,902 891 SH   SOLE   0 0 891
ISHARES TR RUS MID CAP ETF 464287499   275,174 3,540 SH   SOLE   0 0 3,540
ISHARES TR RUS MD CP GR ETF 464287481   355,508 3,403 SH   SOLE   0 0 3,403
ISHARES TR RUS MDCP VAL ETF 464287473   376,547 3,238 SH   SOLE   0 0 3,238
ISHARES TR S&P 500 GRWT ETF 464287309   337,802 4,498 SH   SOLE   0 0 4,498
ISHARES TR S&P 500 VAL ETF 464287408   222,925 1,282 SH   SOLE   0 0 1,282
ISHARES TR SHRT NAT MUN ETF 464288158   8,429,315 79,952 SH   SOLE   0 0 79,952
ISHARES TR U S EQUITY FACTR 46434V282   1,503,728 31,140 SH   SOLE   0 0 31,140
JOHNSON & JOHNSON COM 478160104   417,366 2,663 SH   SOLE   0 0 2,663
LOWES COS INC COM 548661107   544,746 2,448 SH   SOLE   0 0 2,448
MCDONALDS CORP COM 580135101   478,081 1,612 SH   SOLE   0 0 1,612
META PLATFORMS INC CL A 30303M102   241,755 683 SH   SOLE   0 0 683
MICROSOFT CORP COM 594918104   606,602 1,613 SH   SOLE   0 0 1,613
MONDELEZ INTL INC CL A 609207105   277,769 3,835 SH   SOLE   0 0 3,835
NATIONAL BANKSHARES INC VA COM COM 634865109   481,428 14,882 SH   SOLE   0 0 14,882
NIKE INC CL B 654106103   1,106,980 10,196 SH   SOLE   0 0 10,196
NORFOLK SOUTHN CORP COM 655844108   1,991,974 8,427 SH   SOLE   0 0 8,427
PEPSICO INC COM 713448108   237,542 1,399 SH   SOLE   0 0 1,399
PFIZER INC COM 717081103   280,530 9,744 SH   SOLE   0 0 9,744
PHILIP MORRIS INTL INC COM 718172109   236,611 2,515 SH   SOLE   0 0 2,515
PROCTER AND GAMBLE CO COM 742718109   387,138 2,642 SH   SOLE   0 0 2,642
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   331,279 7,106 SH   SOLE   0 0 7,106
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   207,859 552 SH   SOLE   0 0 552
SPDR SER TR PORTFOLIO AGRGTE 78464A649   1,996,689 77,874 SH   SOLE   0 0 77,874
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   7,960,749 234,071 SH   SOLE   0 0 234,071
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,086,014 58,910 SH   SOLE   0 0 58,910
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,377,937 36,550 SH   SOLE   0 0 36,550
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,813,799 60,343 SH   SOLE   0 0 60,343
SPDR SER TR PORTFOLIO SH TSR 78468R101   1,647,884 56,726 SH   SOLE   0 0 56,726
SPDR S&P 500 ETF TR TR UNIT 78462F103   291,517 613 SH   SOLE   0 0 613
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,136,928 13,595 SH   SOLE   0 0 13,595
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,987,612 23,858 SH   SOLE   0 0 23,858
STEEL DYNAMICS INC COM 858119100   952,949 8,069 SH   SOLE   0 0 8,069
TESLA INC COM 88160R101   295,940 1,191 SH   SOLE   0 0 1,191
TEXAS PACIFIC LAND CORPORATION COM 88262P102   374,243 238 SH   SOLE   0 0 238
TRUIST FINL CORP COM 89832Q109   502,518 13,611 SH   SOLE   0 0 13,611
UDR INC COM 902653104   473,571 12,368 SH   SOLE   0 0 12,368
UNION PAC CORP COM 907818108   294,744 1,200 SH   SOLE   0 0 1,200
UNITEDHEALTH GROUP INC COM 91324P102   210,588 400 SH   SOLE   0 0 400
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   2,921,073 17,766 SH   SOLE   0 0 17,766
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,298,062 23,122 SH   SOLE   0 0 23,122
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   11,667,276 101,428 SH   SOLE   0 0 101,428
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   34,468,215 719,587 SH   SOLE   0 0 719,587
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   11,741,496 285,681 SH   SOLE   0 0 285,681
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   232,237 3,602 SH   SOLE   0 0 3,602
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,446,606 33,966 SH   SOLE   0 0 33,966
VANGUARD INDEX FDS GROWTH ETF 922908736   46,296,600 148,921 SH   SOLE   0 0 148,921
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,246,362 29,410 SH   SOLE   0 0 29,410
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,869,635 35,306 SH   SOLE   0 0 35,306
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,608,690 7,374 SH   SOLE   0 0 7,374
VANGUARD INDEX FDS MID CAP ETF 922908629   3,376,222 14,513 SH   SOLE   0 0 14,513
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   327,515 1,492 SH   SOLE   0 0 1,492
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   13,303,024 150,555 SH   SOLE   0 0 150,555
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,403,164 12,370 SH   SOLE   0 0 12,370
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   26,439,747 343,284 SH   SOLE   0 0 343,284
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   335,907 7,073 SH   SOLE   0 0 7,073
VANGUARD INDEX FDS SM CP VAL ETF 922908611   16,390,703 91,075 SH   SOLE   0 0 91,075
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,444,433 6,771 SH   SOLE   0 0 6,771
VANGUARD INDEX FDS SML CP GRW ETF 922908595   15,518,570 64,187 SH   SOLE   0 0 64,187
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   10,915,744 213,825 SH   SOLE   0 0 213,825
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   48,428,615 658,445 SH   SOLE   0 0 658,445
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   39,842,917 807,109 SH   SOLE   0 0 807,109
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,003,060 17,306 SH   SOLE   0 0 17,306
VANGUARD INDEX FDS TOTAL STK MKT 922908769   7,893,246 33,274 SH   SOLE   0 0 33,274
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   2,642,919 23,013 SH   SOLE   0 0 23,013
VANGUARD INDEX FDS VALUE ETF 922908744   42,344,186 283,239 SH   SOLE   0 0 283,239
WALMART INC COM 931142103   320,975 2,036 SH   SOLE   0 0 2,036