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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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
ALPHABET INC CAP STK CL A 02079K305   217,453 2,440 SH   SOLE   0 0 2,440
ALPHABET INC CAP STK CL C 02079K107   242,190 2,700 SH   SOLE   0 0 2,700
AMAZON COM INC COM 023135106   593,359 6,914 SH   SOLE   0 0 6,914
APPLE INC COM 037833100   1,003,920 8,027 SH   SOLE   0 0 8,027
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   327,575 1,057 SH   SOLE   0 0 1,057
CARTER BANKSHARES INC COM NEW 146103106   306,949 18,705 SH   SOLE   0 0 18,705
CSX CORP COM 126408103   526,566 17,052 SH   SOLE   0 0 17,052
CVS HEALTH CORP COM 126650100   558,778 6,014 SH   SOLE   0 0 6,014
DANAHER CORPORATION COM 235851102   491,756 1,875 SH   SOLE   0 0 1,875
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   241,810 7,902 SH   SOLE   0 0 7,902
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   621,870 25,718 SH   SOLE   0 0 25,718
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   867,743 19,843 SH   SOLE   0 0 19,843
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   640,652 29,469 SH   SOLE   0 0 29,469
DOMINION ENERGY INC COM 25746U109   305,467 4,851 SH   SOLE   0 0 4,851
EDWARDS LIFESCIENCES CORP COM 28176E108   860,344 11,584 SH   SOLE   0 0 11,584
EXXON MOBIL CORP COM 30231G102   1,338,405 12,566 SH   SOLE   0 0 12,566
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107   869,404 6,760 SH   SOLE   0 0 6,760
GE AEROSPACE COM NEW 369604301   462,670 5,444 SH   SOLE   0 0 5,444
HESS CORP COM 42809H107   604,802 4,496 SH   SOLE   0 0 4,496
ISHARES TR CORE INTL AGGR 46435G672   2,005,280 41,864 SH   SOLE   0 0 41,864
ISHARES TR CORE MSCI EAFE 46432F842   449,748 7,234 SH   SOLE   0 0 7,234
ISHARES TR CORE S&P500 ETF 464287200   460,949 1,205 SH   SOLE   0 0 1,205
ISHARES TR CORE S&P SCP ETF 464287804   216,074 2,286 SH   SOLE   0 0 2,286
ISHARES TR MSCI EAFE ETF 464287465   781,956 11,808 SH   SOLE   0 0 11,808
ISHARES TR EAFE SML CP ETF 464288273   2,879,079 50,661 SH   SOLE   0 0 50,661
ISHARES TR MSCI EMG MKT ETF 464287234   230,849 6,040 SH   SOLE   0 0 6,040
ISHARES TR MSCI EMRG CHN 46434G764   235,066 4,957 SH   SOLE   0 0 4,957
ISHARES TR NATIONAL MUN ETF 464288414   2,930,462 27,669 SH   SOLE   0 0 27,669
ISHARES TR RUS 1000 GRW ETF 464287614   822,839 3,870 SH   SOLE   0 0 3,870
ISHARES TR RUS 1000 VAL ETF 464287598   628,988 4,149 SH   SOLE   0 0 4,149
ISHARES TR RUS MID CAP ETF 464287499   300,713 4,478 SH   SOLE   0 0 4,478
ISHARES TR RUS MD CP GR ETF 464287481   282,827 3,407 SH   SOLE   0 0 3,407
ISHARES TR RUS MDCP VAL ETF 464287473   340,022 3,238 SH   SOLE   0 0 3,238
ISHARES TR S&P 500 GRWT ETF 464287309   366,856 6,350 SH   SOLE   0 0 6,350
ISHARES TR S&P 500 VAL ETF 464287408   264,737 1,817 SH   SOLE   0 0 1,817
ISHARES TR SHRT NAT MUN ETF 464288158   7,449,639 71,391 SH   SOLE   0 0 71,391
ISHARES TR U S EQUITY FACTR 46434V282   1,252,755 32,321 SH   SOLE   0 0 32,321
JOHNSON & JOHNSON COM 478160104   412,607 2,316 SH   SOLE   0 0 2,316
LOWES COS INC COM 548661107   451,373 2,268 SH   SOLE   0 0 2,268
MCDONALDS CORP COM 580135101   296,674 1,122 SH   SOLE   0 0 1,122
MICROSOFT CORP COM 594918104   312,905 1,306 SH   SOLE   0 0 1,306
NATIONAL BANKSHARES INC VA COM COM 634865109   525,274 13,132 SH   SOLE   0 0 13,132
NIKE INC CL B 654106103   1,233,456 10,387 SH   SOLE   0 0 10,387
NORFOLK SOUTHN CORP COM 655844108   2,894,622 11,686 SH   SOLE   0 0 11,686
PFIZER INC COM 717081103   359,384 7,011 SH   SOLE   0 0 7,011
PHILIP MORRIS INTL INC COM 718172109   292,757 2,890 SH   SOLE   0 0 2,890
PROCTER AND GAMBLE CO COM 742718109   369,430 2,437 SH   SOLE   0 0 2,437
SPDR SER TR PORTFOLIO AGRGTE 78464A649   2,743,408 108,607 SH   SOLE   0 0 108,607
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   7,076,041 237,212 SH   SOLE   0 0 237,212
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,078,158 62,370 SH   SOLE   0 0 62,370
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,096,731 41,884 SH   SOLE   0 0 41,884
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,431,996 62,215 SH   SOLE   0 0 62,215
SPDR SER TR PORTFOLIO SH TSR 78468R101   1,749,373 60,490 SH   SOLE   0 0 60,490
SPDR S&P 500 ETF TR TR UNIT 78462F103   286,385 752 SH   SOLE   0 0 752
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,249,010 17,335 SH   SOLE   0 0 17,335
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,941,398 26,140 SH   SOLE   0 0 26,140
STEEL DYNAMICS INC COM 858119100   783,344 8,231 SH   SOLE   0 0 8,231
TEXAS PACIFIC LAND CORPORATION COM 88262P102   500,421 238 SH   SOLE   0 0 238
TRUIST FINL CORP COM 89832Q109   1,027,050 23,540 SH   SOLE   0 0 23,540
UDR INC COM 902653104   649,431 16,829 SH   SOLE   0 0 16,829
UNION PAC CORP COM 907818108   269,854 1,300 SH   SOLE   0 0 1,300
UNITEDHEALTH GROUP INC COM 91324P102   207,456 400 SH   SOLE   0 0 400
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   2,444,288 18,503 SH   SOLE   0 0 18,503
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,254,825 24,848 SH   SOLE   0 0 24,848
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   9,736,443 94,218 SH   SOLE   0 0 94,218
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   27,088,928 641,918 SH   SOLE   0 0 641,918
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   11,509,348 292,115 SH   SOLE   0 0 292,115
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   201,982 3,598 SH   SOLE   0 0 3,598
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,438,971 34,351 SH   SOLE   0 0 34,351
VANGUARD INDEX FDS GROWTH ETF 922908736   31,471,038 148,722 SH   SOLE   0 0 148,722
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,036,105 40,639 SH   SOLE   0 0 40,639
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,956,238 25,119 SH   SOLE   0 0 25,119
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,260,878 7,269 SH   SOLE   0 0 7,269
VANGUARD INDEX FDS MID CAP ETF 922908629   3,149,194 15,523 SH   SOLE   0 0 15,523
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   264,926 1,487 SH   SOLE   0 0 1,487
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   11,560,801 140,029 SH   SOLE   0 0 140,029
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,632,361 13,236 SH   SOLE   0 0 13,236
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   21,350,257 283,273 SH   SOLE   0 0 283,273
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   320,996 6,874 SH   SOLE   0 0 6,874
VANGUARD INDEX FDS SM CP VAL ETF 922908611   13,667,526 86,323 SH   SOLE   0 0 86,323
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,231,410 6,747 SH   SOLE   0 0 6,747
VANGUARD INDEX FDS SML CP GRW ETF 922908595   11,825,583 59,494 SH   SOLE   0 0 59,494
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   9,475,675 190,965 SH   SOLE   0 0 190,965
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   40,645,410 562,800 SH   SOLE   0 0 562,800
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   36,295,667 758,530 SH   SOLE   0 0 758,530
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,151,556 22,116 SH   SOLE   0 0 22,116
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,545,606 34,376 SH   SOLE   0 0 34,376
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   2,373,705 24,270 SH   SOLE   0 0 24,270
VANGUARD INDEX FDS VALUE ETF 922908744   39,936,465 284,996 SH   SOLE   0 0 284,996
WALMART INC COM 931142103   257,188 1,791 SH   SOLE   0 0 1,791