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   237,729 2,440 SH   SOLE   0 0 2,440
ALPHABET INC CAP STK CL C 02079K107   264,060 2,700 SH   SOLE   0 0 2,700
AMAZON COM INC COM 023135106   628,667 6,678 SH   SOLE   0 0 6,678
APPLE INC COM 037833100   1,199,113 7,926 SH   SOLE   0 0 7,926
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   342,458 1,102 SH   SOLE   0 0 1,102
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,940,827 25,046 SH   SOLE   0 0 25,046
CAPITAL ONE FINL CORP COM 14040H105   434,918 4,395 SH   SOLE   0 0 4,395
CARTER BANKSHARES INC COM NEW 146103106   342,676 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   585,481 6,014 SH   SOLE   0 0 6,014
DANAHER CORPORATION COM 235851102   486,788 1,875 SH   SOLE   0 0 1,875
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   236,611 7,879 SH   SOLE   0 0 7,879
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   652,414 25,941 SH   SOLE   0 0 25,941
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   923,542 20,187 SH   SOLE   0 0 20,187
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   629,618 29,325 SH   SOLE   0 0 29,325
DOMINION ENERGY INC COM 25746U109   286,985 4,851 SH   SOLE   0 0 4,851
EDWARDS LIFESCIENCES CORP COM 28176E108   869,263 11,584 SH   SOLE   0 0 11,584
EXXON MOBIL CORP COM 30231G102   1,408,397 12,566 SH   SOLE   0 0 12,566
GENERAL ELECTRIC CO COM NEW 369604301   465,393 5,444 SH   SOLE   0 0 5,444
HESS CORP COM 42809H107   711,167 4,939 SH   SOLE   0 0 4,939
ISHARES TR CORE MSCI EAFE 46432F842   295,353 4,826 SH   SOLE   0 0 4,826
ISHARES TR MSCI EAFE ETF 464287465   768,890 11,802 SH   SOLE   0 0 11,802
ISHARES TR EAFE SML CP ETF 464288273   2,741,809 49,304 SH   SOLE   0 0 49,304
ISHARES INC CORE MSCI EMKT 46434G103   205,554 4,398 SH   SOLE   0 0 4,398
ISHARES TR MSCI EMG MKT ETF 464287234   229,701 6,040 SH   SOLE   0 0 6,040
ISHARES TR RUS 1000 GRW ETF 464287614   873,304 3,870 SH   SOLE   0 0 3,870
ISHARES TR RUS 1000 VAL ETF 464287598   642,058 4,149 SH   SOLE   0 0 4,149
ISHARES TR RUSSELL 3000 ETF 464287689   203,986 891 SH   SOLE   0 0 891
ISHARES TR RUS MD CP GR ETF 464287481   315,261 3,646 SH   SOLE   0 0 3,646
ISHARES TR RUS MID CAP ETF 464287499   348,451 5,012 SH   SOLE   0 0 5,012
ISHARES TR RUS MDCP VAL ETF 464287473   350,902 3,238 SH   SOLE   0 0 3,238
ISHARES TR S&P 500 GRWT ETF 464287309   396,301 6,432 SH   SOLE   0 0 6,432
ISHARES TR CORE S&P500 ETF 464287200   479,325 1,205 SH   SOLE   0 0 1,205
ISHARES TR S&P 500 VAL ETF 464287408   267,752 1,813 SH   SOLE   0 0 1,813
ISHARES TR CORE S&P SCP ETF 464287804   228,056 2,285 SH   SOLE   0 0 2,285
ISHARES TR CORE INTL AGGR 46435G672   1,192,265 24,111 SH   SOLE   0 0 24,111
ISHARES TR U S EQUITY FACTR 46434V282   1,301,504 32,311 SH   SOLE   0 0 32,311
ISHARES TR SHRT NAT MUN ETF 464288158   2,637,696 25,428 SH   SOLE   0 0 25,428
JOHNSON & JOHNSON COM 478160104   407,786 2,314 SH   SOLE   0 0 2,314
LOWES COS INC COM 548661107   476,068 2,268 SH   SOLE   0 0 2,268
MCDONALDS CORP COM 580135101   306,786 1,122 SH   SOLE   0 0 1,122
MICROSOFT CORP COM 594918104   315,040 1,306 SH   SOLE   0 0 1,306
NATIONAL BANKSHARES INC VA COM COM 634865109   500,294 12,924 SH   SOLE   0 0 12,924
NIKE INC CL B 654106103   1,094,998 10,387 SH   SOLE   0 0 10,387
NORFOLK SOUTHN CORP COM 655844108   2,883,637 11,686 SH   SOLE   0 0 11,686
PFIZER INC COM 717081103   338,141 7,011 SH   SOLE   0 0 7,011
PHILIP MORRIS INTL INC COM 718172109   281,908 2,928 SH   SOLE   0 0 2,928
PROCTER AND GAMBLE CO COM 742718109   347,494 2,437 SH   SOLE   0 0 2,437
SPDR SER TR PORTFOLIO AGRGTE 78464A649   960,486 38,251 SH   SOLE   0 0 38,251
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,567,755 186,587 SH   SOLE   0 0 186,587
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,525,382 46,140 SH   SOLE   0 0 46,140
SPDR S&P 500 ETF TR TR UNIT 78462F103   297,824 752 SH   SOLE   0 0 752
SPDR SER TR PRTFLO S&P500 GW 78464A409   649,044 12,157 SH   SOLE   0 0 12,157
SPDR SER TR S&P 600 SMCP GRW 78464A201   822,324 10,783 SH   SOLE   0 0 10,783
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,303,318 58,165 SH   SOLE   0 0 58,165
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,895,637 24,204 SH   SOLE   0 0 24,204
STEEL DYNAMICS INC COM 858119100   828,368 8,231 SH   SOLE   0 0 8,231
TESLA INC COM 88160R101   216,228 1,200 SH   SOLE   0 0 1,200
TEXAS PACIFIC LAND CORPORATION COM 88262P102   675,973 250 SH   SOLE   0 0 250
TRUIST FINL CORP COM 89832Q109   1,075,658 23,558 SH   SOLE   0 0 23,558
UDR INC COM 902653104   676,526 16,829 SH   SOLE   0 0 16,829
UNION PAC CORP COM 907818108   273,754 1,300 SH   SOLE   0 0 1,300
UNITEDHEALTH GROUP INC COM 91324P102   217,300 410 SH   SOLE   0 0 410
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   11,730,036 301,002 SH   SOLE   0 0 301,002
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   2,659,812 19,111 SH   SOLE   0 0 19,111
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,335,912 26,585 SH   SOLE   0 0 26,585
VANGUARD INDEX FDS GROWTH ETF 922908736   35,313,980 155,980 SH   SOLE   0 0 155,980
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,016,755 40,553 SH   SOLE   0 0 40,553
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   27,946,113 663,016 SH   SOLE   0 0 663,016
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,453,204 35,298 SH   SOLE   0 0 35,298
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   9,737,574 93,694 SH   SOLE   0 0 93,694
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,309,284 7,248 SH   SOLE   0 0 7,248
VANGUARD INDEX FDS MID CAP ETF 922908629   3,249,097 15,478 SH   SOLE   0 0 15,478
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   276,326 1,485 SH   SOLE   0 0 1,485
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,994,245 81,151 SH   SOLE   0 0 81,151
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   11,834,907 138,420 SH   SOLE   0 0 138,420
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,858,903 13,349 SH   SOLE   0 0 13,349
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   206,833 1,055 SH   SOLE   0 0 1,055
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   319,542 6,713 SH   SOLE   0 0 6,713
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   19,971,970 266,009 SH   SOLE   0 0 266,009
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,285,729 6,732 SH   SOLE   0 0 6,732
VANGUARD INDEX FDS SML CP GRW ETF 922908595   12,665,481 60,626 SH   SOLE   0 0 60,626
VANGUARD INDEX FDS SM CP VAL ETF 922908611   14,219,359 86,126 SH   SOLE   0 0 86,126
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   42,019,388 585,636 SH   SOLE   0 0 585,636
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   37,726,200 777,860 SH   SOLE   0 0 777,860
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,152,931 22,262 SH   SOLE   0 0 22,262
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,917,440 34,863 SH   SOLE   0 0 34,863
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   2,503,348 24,429 SH   SOLE   0 0 24,429
VANGUARD INDEX FDS VALUE ETF 922908744   40,509,305 284,515 SH   SOLE   0 0 284,515
WALMART INC COM 931142103   272,667 1,815 SH   SOLE   0 0 1,815