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
ALPHABET INC CAP STK CL A 02079K305   339,537 127 SH   SOLE   0 0 127
ALPHABET INC CAP STK CL C 02079K107   381,139 143 SH   SOLE   0 0 143
AMAZON COM INC COM 023135106   1,120,199 341 SH   SOLE   0 0 341
APPLE INC COM 037833100   1,090,626 7,708 SH   SOLE   0 0 7,708
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   301,872 1,106 SH   SOLE   0 0 1,106
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   877,808 9,298 SH   SOLE   0 0 9,298
CAPITAL ONE FINL CORP COM 14040H105   690,541 4,263 SH   SOLE   0 0 4,263
CARTER BANKSHARES INC COM NEW 146103106   211,665 14,885 SH   SOLE   0 0 14,885
CSX CORP COM 126408103   507,126 17,052 SH   SOLE   0 0 17,052
CVS HEALTH CORP COM 126650100   531,563 6,264 SH   SOLE   0 0 6,264
DANAHER CORPORATION COM 235851102   570,825 1,875 SH   SOLE   0 0 1,875
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   268,806 8,209 SH   SOLE   0 0 8,209
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   603,439 22,711 SH   SOLE   0 0 22,711
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   914,665 20,601 SH   SOLE   0 0 20,601
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   767,728 29,665 SH   SOLE   0 0 29,665
DOMINION ENERGY INC COM 25746U109   354,220 4,851 SH   SOLE   0 0 4,851
EDWARDS LIFESCIENCES CORP COM 28176E108   1,311,425 11,584 SH   SOLE   0 0 11,584
EXXON MOBIL CORP COM 30231G102   946,708 16,095 SH   SOLE   0 0 16,095
FACEBOOK INC CL A 30303M102   203,634 600 SH   SOLE   0 0 600
FERGUSON PLC NEW SHS G3421J106   967,292 6,933 SH   SOLE   0 0 6,933
GENERAL ELECTRIC CO COM NEW 369604301   492,071 4,776 SH   SOLE   0 0 4,776
HESS CORP COM 42809H107   385,785 4,939 SH   SOLE   0 0 4,939
ISHARES TR COHEN STEER REIT 464287564   225,437 3,446 SH   SOLE   0 0 3,446
ISHARES TR MSCI EAFE ETF 464287465   915,355 11,734 SH   SOLE   0 0 11,734
ISHARES TR EAFE SML CP ETF 464288273   3,552,419 47,741 SH   SOLE   0 0 47,741
ISHARES INC CORE MSCI EMKT 46434G103   296,678 4,804 SH   SOLE   0 0 4,804
ISHARES TR MSCI EMG MKT ETF 464287234   354,927 7,045 SH   SOLE   0 0 7,045
ISHARES TR RUS 1000 GRW ETF 464287614   793,620 2,896 SH   SOLE   0 0 2,896
ISHARES TR RUS 1000 VAL ETF 464287598   424,142 2,710 SH   SOLE   0 0 2,710
ISHARES TR RUS 2000 VAL ETF 464287630   205,850 1,285 SH   SOLE   0 0 1,285
ISHARES TR RUSSELL 3000 ETF 464287689   227,071 891 SH   SOLE   0 0 891
ISHARES TR RUS MD CP GR ETF 464287481   369,054 3,293 SH   SOLE   0 0 3,293
ISHARES TR RUS MID CAP ETF 464287499   258,994 3,311 SH   SOLE   0 0 3,311
ISHARES TR RUS MDCP VAL ETF 464287473   283,125 2,500 SH   SOLE   0 0 2,500
ISHARES TR S&P 500 GRWT ETF 464287309   503,230 6,809 SH   SOLE   0 0 6,809
ISHARES TR CORE S&P500 ETF 464287200   519,138 1,205 SH   SOLE   0 0 1,205
ISHARES TR S&P 500 VAL ETF 464287408   261,608 1,799 SH   SOLE   0 0 1,799
ISHARES TR INTL DEVPPTY ETF 464288422   376,053 10,153 SH   SOLE   0 0 10,153
ISHARES TR CORE S&P MCP ETF 464287507   217,474 827 SH   SOLE   0 0 827
ISHARES TR CORE S&P SCP ETF 464287804   271,327 2,485 SH   SOLE   0 0 2,485
ISHARES TR INTL TREA BD ETF 464288117   224,245 4,367 SH   SOLE   0 0 4,367
ISHARES TR CORE INTL AGGR 46435G672   289,502 5,262 SH   SOLE   0 0 5,262
ISHARES TR U S EQUITY FACTR 46434V282   1,447,097 34,340 SH   SOLE   0 0 34,340
JOHNSON & JOHNSON COM 478160104   420,590 2,604 SH   SOLE   0 0 2,604
LOWES COS INC COM 548661107   434,120 2,140 SH   SOLE   0 0 2,140
MCDONALDS CORP COM 580135101   272,152 1,129 SH   SOLE   0 0 1,129
MEDTRONIC PLC SHS G5960L103   208,282 1,662 SH   SOLE   0 0 1,662
MICROSOFT CORP COM 594918104   371,007 1,316 SH   SOLE   0 0 1,316
NATIONAL BANKSHARES INC VA COM COM 634865109   428,117 11,791 SH   SOLE   0 0 11,791
NIKE INC CL B 654106103   1,524,479 10,497 SH   SOLE   0 0 10,497
NORFOLK SOUTHN CORP COM 655844108   2,872,675 12,007 SH   SOLE   0 0 12,007
PFIZER INC COM 717081103   338,618 7,873 SH   SOLE   0 0 7,873
PHILIP MORRIS INTL INC COM 718172109   273,943 2,890 SH   SOLE   0 0 2,890
PROCTER AND GAMBLE CO COM 742718109   340,897 2,438 SH   SOLE   0 0 2,438
SCHWAB STRATEGIC TR US TIPS ETF 808524870   225,964 3,611 SH   SOLE   0 0 3,611
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   4,808,685 132,800 SH   SOLE   0 0 132,800
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,555,681 36,578 SH   SOLE   0 0 36,578
SPDR SER TR PRTFLO S&P500 GW 78464A409   505,551 7,897 SH   SOLE   0 0 7,897
SPDR SER TR S&P 600 SMCP GRW 78464A201   770,420 8,843 SH   SOLE   0 0 8,843
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,203,746 56,506 SH   SOLE   0 0 56,506
SPDR SER TR S&P 600 SMCP VAL 78464A300   2,418,194 29,505 SH   SOLE   0 0 29,505
STARBUCKS CORP COM 855244109   211,228 1,915 SH   SOLE   0 0 1,915
STEEL DYNAMICS INC COM 858119100   458,717 7,844 SH   SOLE   0 0 7,844
TESLA INC COM 88160R101   310,192 400 SH   SOLE   0 0 400
TEXAS PACIFIC LAND CORPORATION COM 88262P102   302,340 250 SH   SOLE   0 0 250
TRUIST FINL CORP COM 89832Q109   1,685,071 28,731 SH   SOLE   0 0 28,731
UDR INC COM 902653104   891,600 16,829 SH   SOLE   0 0 16,829
UNION PAC CORP COM 907818108   254,813 1,300 SH   SOLE   0 0 1,300
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   11,175,146 223,458 SH   SOLE   0 0 223,458
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   1,591,651 8,728 SH   SOLE   0 0 8,728
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,047,167 17,178 SH   SOLE   0 0 17,178
VANGUARD INDEX FDS GROWTH ETF 922908736   36,243,796 124,905 SH   SOLE   0 0 124,905
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,729,072 41,694 SH   SOLE   0 0 41,694
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   24,074,911 476,825 SH   SOLE   0 0 476,825
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   2,052,316 36,447 SH   SOLE   0 0 36,447
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   10,056,584 75,223 SH   SOLE   0 0 75,223
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,136,277 5,655 SH   SOLE   0 0 5,655
VANGUARD INDEX FDS MID CAP ETF 922908629   3,333,531 14,080 SH   SOLE   0 0 14,080
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   368,173 1,558 SH   SOLE   0 0 1,558
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   11,291,715 110,942 SH   SOLE   0 0 110,942
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   236,174 1,051 SH   SOLE   0 0 1,051
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   326,683 6,213 SH   SOLE   0 0 6,213
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   19,115,509 233,287 SH   SOLE   0 0 233,287
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,051,912 4,811 SH   SOLE   0 0 4,811
VANGUARD INDEX FDS SML CP GRW ETF 922908595   13,311,600 47,514 SH   SOLE   0 0 47,514
VANGUARD INDEX FDS SM CP VAL ETF 922908611   11,269,656 66,582 SH   SOLE   0 0 66,582
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   41,396,175 484,449 SH   SOLE   0 0 484,449
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   433,390 4,750 SH   SOLE   0 0 4,750
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   39,911,345 700,691 SH   SOLE   0 0 700,691
VANGUARD STAR FDS VG TL INTL STK F 921909768   261,948 4,141 SH   SOLE   0 0 4,141
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,880,970 17,477 SH   SOLE   0 0 17,477
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   2,579,314 25,897 SH   SOLE   0 0 25,897
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   202,611 2,049 SH   SOLE   0 0 2,049
VANGUARD INDEX FDS VALUE ETF 922908744   30,184,113 222,975 SH   SOLE   0 0 222,975
WALMART INC COM 931142103   228,026 1,636 SH   SOLE   0 0 1,636