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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 5,131 39,651 SH   SOLE   39,651 0 0
ABBOTT LABS COM 002824100 5,717 52,623 SH   SOLE   52,623 0 0
ABBVIE INC COM 00287Y109 5,619 36,689 SH   SOLE   36,689 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,762 6,346 SH   SOLE   6,346 0 0
AIR PRODS & CHEMS INC COM 009158106 1,173 4,846 SH   SOLE   4,846 0 0
ALBEMARLE CORP COM 012653101 1,316 6,285 SH   SOLE   6,285 0 0
ALLSTATE CORP COM 020002101 1,094 8,570 SH   SOLE   8,570 0 0
ALPHABET INC CAP STK CL C 02079K107 14,676 6,709 SH   SOLE   6,709 0 0
ALPHABET INC CAP STK CL A 02079K305 17,478 8,020 SH   SOLE   8,020 0 0
ALTRIA GROUP INC COM 02209S103 2,303 53,961 SH   SOLE   53,961 0 0
AMAZON COM INC COM 023135106 18,170 171,074 SH   SOLE   171,074 0 0
AMCOR PLC ORD G0250X107 598 48,072 SH   SOLE   48,072 0 0
AMERICAN ELEC PWR CO INC COM 025537101 256 2,664 SH   SOLE   2,664 0 0
AMERICAN EXPRESS CO COM 025816109 1,623 11,662 SH   SOLE   11,662 0 0
AMERIPRISE FINL INC COM 03076C106 11,725 49,331 SH   SOLE   49,331 0 0
AMERISOURCEBERGEN CORP COM 03073E105 597 4,219 SH   SOLE   4,219 0 0
AMGEN INC COM 031162100 8,324 34,213 SH   SOLE   34,213 0 0
APPLE INC COM 037833100 51,205 374,525 SH   SOLE   374,525 0 0
APPLIED MATLS INC COM 038222105 7,203 79,167 SH   SOLE   79,167 0 0
APTARGROUP INC COM 038336103 1,151 11,154 SH   SOLE   11,154 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 1,295 16,682 SH   SOLE   16,682 0 0
AT&T INC COM 00206R102 955 45,563 SH   SOLE   45,563 0 0
ATRICURE INC COM 04963C209 286 7,000 SH   SOLE   7,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 4,335 20,535 SH   SOLE   20,535 0 0
BANK NEW YORK MELLON CORP COM 064058100 873 20,926 SH   SOLE   20,926 0 0
BAXTER INTL INC COM 071813109 610 9,453 SH   SOLE   9,453 0 0
BECTON DICKINSON & CO COM 075887109 2,302 9,339 SH   SOLE   9,339 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,792 6,565 SH   SOLE   6,565 0 0
BK OF AMERICA CORP COM 060505104 828 26,588 SH   SOLE   26,588 0 0
BLACKROCK INC COM 09247X101 2,484 4,078 SH   SOLE   4,078 0 0
BLACKSTONE INC COM 09260D107 703 7,701 SH   SOLE   7,701 0 0
BOOKING HOLDINGS INC COM 09857L108 7,498 4,287 SH   SOLE   4,287 0 0
BP PLC SPONSORED ADR 055622104 323 11,409 SH   SOLE   11,409 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 3,503 45,170 SH   SOLE   45,170 0 0
BROADCOM INC COM 11135F101 7,505 15,448 SH   SOLE   15,448 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 1,893 18,569 SH   SOLE   18,569 0 0
CANADIAN NATL RY CO COM 136375102 1,000 8,894 SH   SOLE   8,894 0 0
CAPITAL ONE FINL CORP COM 14040H105 738 7,086 SH   SOLE   7,086 0 0
CARDINAL HEALTH INC COM 14149Y108 847 16,057 SH   SOLE   16,057 0 0
CARMAX INC COM 143130102 285 3,152 SH   SOLE   3,152 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 260 7,248 SH   SOLE   7,248 0 0
CATERPILLAR INC COM 149123101 2,184 12,219 SH   SOLE   12,219 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 234 500 SH   SOLE   500 0 0
CHEMOURS CO COM 163851108 257 8,020 SH   SOLE   8,020 0 0
CHEVRON CORP NEW COM 166764100 19,603 135,397 SH   SOLE   135,397 0 0
CHUBB LIMITED COM H1467J104 6,810 34,542 SH   SOLE   34,542 0 0
CHURCH & DWIGHT CO INC COM 171340102 602 6,495 SH   SOLE   6,495 0 0
CIGNA CORP NEW COM 125523100 417 1,582 SH   SOLE   1,582 0 0
CISCO SYS INC COM 17275R102 13,629 319,619 SH   SOLE   319,619 0 0
COCA COLA CO COM 191216100 4,981 78,626 SH   SOLE   78,626 0 0
COLGATE PALMOLIVE CO COM 194162103 2,411 30,088 SH   SOLE   30,088 0 0
COMCAST CORP NEW CL A 20030N101 8,008 204,067 SH   SOLE   204,067 0 0
CONOCOPHILLIPS COM 20825C104 1,861 20,556 SH   SOLE   20,556 0 0
CONSTELLATION BRANDS INC CL A 21036P108 979 4,201 SH   SOLE   4,201 0 0
CORNING INC COM 219350105 235 7,450 SH   SOLE   7,450 0 0
CORTEVA INC COM 22052L104 1,524 28,158 SH   SOLE   28,158 0 0
COSTCO WHSL CORP NEW COM 22160K105 289 602 SH   SOLE   602 0 0
CSX CORP COM 126408103 877 30,166 SH   SOLE   30,166 0 0
CVS HEALTH CORP COM 126650100 10,782 116,363 SH   SOLE   116,363 0 0
DANAHER CORPORATION COM 235851102 1,162 4,577 SH   SOLE   4,577 0 0
DEERE & CO COM 244199105 1,126 3,745 SH   SOLE   3,745 0 0
DEVON ENERGY CORP NEW COM 25179M103 230 4,172 SH   SOLE   4,172 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 217 5,331 SH   SOLE   5,331 0 0
DISNEY WALT CO COM 254687106 7,135 75,580 SH   SOLE   75,580 0 0
DOLLAR TREE INC COM 256746108 1,101 7,065 SH   SOLE   7,065 0 0
DOMINION ENERGY INC COM 25746U109 1,702 21,320 SH   SOLE   21,320 0 0
DOVER CORP COM 260003108 3,675 30,291 SH   SOLE   30,291 0 0
DOW INC COM 260557103 1,575 30,522 SH   SOLE   30,522 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 427 3,980 SH   SOLE   3,980 0 0
DUPONT DE NEMOURS INC COM 26614N102 1,620 29,140 SH   SOLE   29,140 0 0
EASTMAN CHEM CO COM 277432100 6,851 75,887 SH   SOLE   75,887 0 0
EATON CORP PLC SHS G29183103 12,119 96,188 SH   SOLE   96,188 0 0
ELEVANCE HEALTH INC COM 036752103 17,633 36,538 SH   SOLE   36,538 0 0
EMERSON ELEC CO COM 291011104 3,362 42,264 SH   SOLE   42,264 0 0
ESSENTIAL UTILS INC COM 29670G102 259 5,650 SH   SOLE   5,650 0 0
EVEREST RE GROUP LTD COM G3223R108 1,325 4,729 SH   SOLE   4,729 0 0
EXPONENT INC COM 30214U102 238 2,600 SH   SOLE   2,600 0 0
EXXON MOBIL CORP COM 30231G102 17,839 208,299 SH   SOLE   208,299 0 0
FEDERATED HERMES INC CL B 314211103 538 16,931 SH   SOLE   16,931 0 0
FEDEX CORP COM 31428X106 284 1,248 SH   SOLE   1,248 0 0
FORD MTR CO DEL COM 345370860 3,321 298,426 SH   SOLE   298,426 0 0
GENERAL DYNAMICS CORP COM 369550108 3,068 13,790 SH   SOLE   13,790 0 0
GENERAL ELECTRIC CO COM NEW 369604301 362 5,685 SH   SOLE   5,685 0 0
GENERAL MLS INC COM 370334104 717 9,502 SH   SOLE   9,502 0 0
GILEAD SCIENCES INC COM 375558103 613 9,910 SH   SOLE   9,910 0 0
GLOBE LIFE INC COM 37959E102 1,043 10,700 SH   SOLE   10,700 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 8,076 27,189 SH   SOLE   27,189 0 0
GSK PLC SPONSORED ADR 37733W105 256 5,837 SH   SOLE   5,837 0 0
HANOVER INS GROUP INC COM 410867105 2,235 15,280 SH   SOLE   15,280 0 0
HOME DEPOT INC COM 437076102 10,258 37,402 SH   SOLE   37,402 0 0
HONEYWELL INTL INC COM 438516106 382 2,196 SH   SOLE   2,196 0 0
HORMEL FOODS CORP COM 440452100 1,184 25,005 SH   SOLE   25,005 0 0
ILLINOIS TOOL WKS INC COM 452308109 2,521 13,741 SH   SOLE   13,741 0 0
INGREDION INC COM 457187102 773 8,707 SH   SOLE   8,707 0 0
INTEL CORP COM 458140100 4,344 116,124 SH   SOLE   116,124 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 2,160 15,297 SH   SOLE   15,297 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 634 5,289 SH   SOLE   5,289 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 31,361 233,635 SH   SOLE   233,635 0 0
ISHARES GOLD TR ISHARES NEW 464285204 391 11,388 SH   SOLE   11,388 0 0
ISHARES INC CORE MSCI EMKT 46434G103 11,885 242,260 SH   SOLE   242,260 0 0
ISHARES TR SELECT DIVID ETF 464287168 307 2,610 SH   SOLE   2,610 0 0
ISHARES TR TIPS BD ETF 464287176 343 3,007 SH   SOLE   3,007 0 0
ISHARES TR CORE S&P500 ETF 464287200 36,891 97,299 SH   SOLE   97,299 0 0
ISHARES TR CORE US AGGBD ET 464287226 2,887 28,392 SH   SOLE   28,392 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 349 8,702 SH   SOLE   8,702 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 4,283 70,976 SH   SOLE   70,976 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,287 9,364 SH   SOLE   9,364 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,069 17,109 SH   SOLE   17,109 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 533 5,249 SH   SOLE   5,249 0 0
ISHARES TR RUS MD CP GR ETF 464287481 600 7,576 SH   SOLE   7,576 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,065 16,467 SH   SOLE   16,467 0 0
ISHARES TR CORE S&P MCP ETF 464287507 18,796 83,083 SH   SOLE   83,083 0 0
ISHARES TR EXPANDED TECH 464287515 4,964 18,410 SH   SOLE   18,410 0 0
ISHARES TR ISHARES SEMICDTR 464287523 3,012 8,614 SH   SOLE   8,614 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 956 6,593 SH   SOLE   6,593 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 4,261 19,485 SH   SOLE   19,485 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 2,541 18,665 SH   SOLE   18,665 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,445 8,530 SH   SOLE   8,530 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 884 4,067 SH   SOLE   4,067 0 0
ISHARES TR U.S. TECH ETF 464287721 4,605 57,600 SH   SOLE   57,600 0 0
ISHARES TR CORE S&P SCP ETF 464287804 10,556 114,235 SH   SOLE   114,235 0 0
ISHARES TR SP SMCP600VL ETF 464287879 226 2,538 SH   SOLE   2,538 0 0
ISHARES TR S&P SML 600 GWT 464287887 355 3,374 SH   SOLE   3,374 0 0
ISHARES TR MSCI ACWI ETF 464288257 8,085 96,373 SH   SOLE   96,373 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,637 24,792 SH   SOLE   24,792 0 0
ISHARES TR MBS ETF 464288588 4,928 50,553 SH   SOLE   50,553 0 0
ISHARES TR INTRM GOV CR ETF 464288612 658 6,237 SH   SOLE   6,237 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 2,544 49,830 SH   SOLE   49,830 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 2,211 43,737 SH   SOLE   43,737 0 0
ISHARES TR SHORT TREAS BD 464288679 5,690 51,677 SH   SOLE   51,677 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 16,524 289,750 SH   SOLE   289,750 0 0
ISHARES TR CORE MSCI EAFE 46432F842 11,865 201,611 SH   SOLE   201,611 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 11,249 228,367 SH   SOLE   228,367 0 0
JOHNSON & JOHNSON COM 478160104 19,528 110,012 SH   SOLE   110,012 0 0
JPMORGAN CHASE & CO COM 46625H100 18,614 165,296 SH   SOLE   165,296 0 0
KIMBERLY-CLARK CORP COM 494368103 4,991 36,615 SH   SOLE   36,615 0 0
KINSALE CAP GROUP INC COM 49714P108 1,768 7,700 SH   SOLE   7,700 0 0
KLA CORP COM NEW 482480100 1,833 5,744 SH   SOLE   5,744 0 0
KRAFT HEINZ CO COM 500754106 383 10,036 SH   SOLE   10,036 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 299 1,237 SH   SOLE   1,237 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 211 900 SH   SOLE   900 0 0
LILLY ELI & CO COM 532457108 2,428 7,490 SH   SOLE   7,490 0 0
LOCKHEED MARTIN CORP COM 539830109 5,675 13,199 SH   SOLE   13,199 0 0
LOWES COS INC COM 548661107 11,099 63,543 SH   SOLE   63,543 0 0
MARATHON PETE CORP COM 56585A102 944 11,480 SH   SOLE   11,480 0 0
MARKEL CORP COM 570535104 6,076 4,698 SH   SOLE   4,698 0 0
MASTERCARD INCORPORATED CL A 57636Q104 398 1,260 SH   SOLE   1,260 0 0
MCDONALDS CORP COM 580135101 5,066 20,521 SH   SOLE   20,521 0 0
MEDTRONIC PLC SHS G5960L103 2,398 26,522 SH   SOLE   26,522 0 0
MERCK & CO INC COM 58933Y105 13,037 142,153 SH   SOLE   142,153 0 0
META PLATFORMS INC CL A 30303M102 12,393 76,856 SH   SOLE   76,856 0 0
MICROSOFT CORP COM 594918104 41,607 162,000 SH   SOLE   162,000 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209 382 7,003 SH   SOLE   7,003 0 0
MONDELEZ INTL INC CL A 609207105 2,079 33,288 SH   SOLE   33,288 0 0
MORGAN STANLEY COM NEW 617446448 8,033 105,612 SH   SOLE   105,612 0 0
MSC INDL DIRECT INC CL A 553530106 790 10,520 SH   SOLE   10,520 0 0
NEXSTAR MEDIA GROUP INC CL A 65336K103 2,510 15,410 SH   SOLE   15,410 0 0
NEXTERA ENERGY INC COM 65339F101 1,249 16,129 SH   SOLE   16,129 0 0
NIKE INC CL B 654106103 1,236 12,054 SH   SOLE   12,054 0 0
NORFOLK SOUTHN CORP COM 655844108 16,304 71,734 SH   SOLE   71,734 0 0
NORTHERN TR CORP COM 665859104 1,060 10,906 SH   SOLE   10,906 0 0
NORTHROP GRUMMAN CORP COM 666807102 303 633 SH   SOLE   633 0 0
NOVARTIS AG SPONSORED ADR 66987V109 1,422 16,817 SH   SOLE   16,817 0 0
NOVO-NORDISK A S ADR 670100205 2,195 19,702 SH   SOLE   19,702 0 0
ORACLE CORP COM 68389X105 15,922 227,885 SH   SOLE   227,885 0 0
OTIS WORLDWIDE CORP COM 68902V107 238 3,369 SH   SOLE   3,369 0 0
PACKAGING CORP AMER COM 695156109 1,579 11,380 SH   SOLE   11,380 0 0
PARKER-HANNIFIN CORP COM 701094104 2,287 9,295 SH   SOLE   9,295 0 0
PEPSICO INC COM 713448108 16,882 101,298 SH   SOLE   101,298 0 0
PFIZER INC COM 717081103 8,758 167,045 SH   SOLE   167,045 0 0
PHILIP MORRIS INTL INC COM 718172109 4,126 41,265 SH   SOLE   41,265 0 0
PHILLIPS 66 COM 718546104 1,060 12,929 SH   SOLE   12,929 0 0
PNC FINL SVCS GROUP INC COM 693475105 10,607 67,230 SH   SOLE   67,230 0 0
PRICE T ROWE GROUP INC COM 74144T108 1,945 17,122 SH   SOLE   17,122 0 0
PROCTER AND GAMBLE CO COM 742718109 15,077 104,856 SH   SOLE   104,856 0 0
PULTE GROUP INC COM 745867101 2,120 53,500 SH   SOLE   53,500 0 0
QUALCOMM INC COM 747525103 3,583 28,053 SH   SOLE   28,053 0 0
QUEST DIAGNOSTICS INC COM 74834L100 2,859 21,498 SH   SOLE   21,498 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 7,909 82,288 SH   SOLE   82,288 0 0
ROYAL BK CDA COM 780087102 228 2,350 SH   SOLE   2,350 0 0
SCHLUMBERGER LTD COM STK 806857108 5,553 154,765 SH   SOLE   154,765 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,843 86,959 SH   SOLE   86,959 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 11,058 247,600 SH   SOLE   247,600 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 6,514 111,039 SH   SOLE   111,039 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,156 50,318 SH   SOLE   50,318 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,719 44,088 SH   SOLE   44,088 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 695 9,704 SH   SOLE   9,704 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 331 10,525 SH   SOLE   10,525 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 329 2,568 SH   SOLE   2,568 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 5,065 70,173 SH   SOLE   70,173 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,070 15,055 SH   SOLE   15,055 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,537 35,475 SH   SOLE   35,475 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 2,190 69,648 SH   SOLE   69,648 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 6,954 54,708 SH   SOLE   54,708 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,723 31,740 SH   SOLE   31,740 0 0
SENSIENT TECHNOLOGIES CORP COM 81725T100 910 11,296 SH   SOLE   11,296 0 0
SHELL PLC SPON ADS 780259305 1,424 27,233 SH   SOLE   27,233 0 0
SOUTHERN CO COM 842587107 509 7,131 SH   SOLE   7,131 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 427 14,815 SH   SOLE   14,815 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,216 21,688 SH   SOLE   21,688 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 362 872 SH   SOLE   872 0 0
SPDR SER TR PORT MTG BK ETF 78464A383 274 12,000 SH   SOLE   12,000 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 868 23,561 SH   SOLE   23,561 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 413 9,000 SH   SOLE   9,000 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 473 10,000 SH   SOLE   10,000 0 0
STANLEY BLACK & DECKER INC COM 854502101 992 9,456 SH   SOLE   9,456 0 0
STANTEC INC COM 85472N109 378 8,605 SH   SOLE   8,605 0 0
STARBUCKS CORP COM 855244109 2,709 35,457 SH   SOLE   35,457 0 0
STRYKER CORPORATION COM 863667101 604 3,025 SH   SOLE   3,025 0 0
SYSCO CORP COM 871829107 3,420 40,140 SH   SOLE   40,140 0 0
TARGET CORP COM 87612E106 9,066 64,191 SH   SOLE   64,191 0 0
TEXAS INSTRS INC COM 882508104 243 1,579 SH   SOLE   1,579 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 21,144 38,901 SH   SOLE   38,901 0 0
TJX COS INC NEW COM 872540109 7,912 141,671 SH   SOLE   141,671 0 0
TORO CO COM 891092108 1,004 13,199 SH   SOLE   13,199 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 402 6,126 SH   SOLE   6,126 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109 4,701 88,658 SH   SOLE   88,658 0 0
TRACTOR SUPPLY CO COM 892356106 467 2,410 SH   SOLE   2,410 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 7,465 57,482 SH   SOLE   57,482 0 0
TRAVELERS COMPANIES INC COM 89417E109 1,429 8,451 SH   SOLE   8,451 0 0
TRUIST FINL CORP COM 89832Q109 10,826 228,253 SH   SOLE   228,253 0 0
UNION PAC CORP COM 907818108 1,532 7,183 SH   SOLE   7,183 0 0
UNITED PARCEL SERVICE INC CL B 911312106 9,719 53,242 SH   SOLE   53,242 0 0
UNITEDHEALTH GROUP INC COM 91324P102 16,221 31,581 SH   SOLE   31,581 0 0
UNIVERSAL CORP VA COM 913456109 385 6,367 SH   SOLE   6,367 0 0
US BANCORP DEL COM NEW 902973304 1,831 39,387 SH   SOLE   39,387 0 0
V F CORP COM 918204108 690 15,623 SH   SOLE   15,623 0 0
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 612 13,400 SH   SOLE   13,400 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1,124 6,611 SH   SOLE   6,611 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 3,054 62,080 SH   SOLE   62,080 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,547 7,313 SH   SOLE   7,313 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,391 7,930 SH   SOLE   7,930 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 351 3,853 SH   SOLE   3,853 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 7,964 40,434 SH   SOLE   40,434 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 249 1,414 SH   SOLE   1,414 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,178 23,570 SH   SOLE   23,570 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,927 46,255 SH   SOLE   46,255 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,040 60,900 SH   SOLE   60,900 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,279 42,995 SH   SOLE   42,995 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,059 38,232 SH   SOLE   38,232 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 875 6,099 SH   SOLE   6,099 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,895 75,469 SH   SOLE   75,469 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 9,820 240,675 SH   SOLE   240,675 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,901 19,112 SH   SOLE   19,112 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 8,374 25,645 SH   SOLE   25,645 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,760 34,674 SH   SOLE   34,674 0 0
VIRGINIA NATL BANKSHARES COR COM 928031103 693 22,000 SH   SOLE   22,000 0 0
VISA INC COM CL A 92826C839 10,308 52,353 SH   SOLE   52,353 0 0
WALMART INC COM 931142103 7,768 63,892 SH   SOLE   63,892 0 0
WASTE MGMT INC DEL COM 94106L109 208 1,360 SH   SOLE   1,360 0 0
WATERS CORP COM 941848103 506 1,528 SH   SOLE   1,528 0 0
WELLS FARGO CO NEW COM 949746101 2,540 64,841 SH   SOLE   64,841 0 0
WESTROCK CO COM 96145D105 1,749 43,900 SH   SOLE   43,900 0 0
WISDOMTREE TR US LARGECAP FUND 97717W588 1,813 44,433 SH   SOLE   44,433 0 0
YUM BRANDS INC COM 988498101 569 5,015 SH   SOLE   5,015 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 778 7,393 SH   SOLE   7,393 0 0