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 3,254 29,450 SH   SOLE   29,450 0 0
ABBOTT LABS COM 002824100 5,058 52,272 SH   SOLE   52,272 0 0
ABBVIE INC COM 00287Y109 4,967 37,010 SH   SOLE   37,010 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,633 6,346 SH   SOLE   6,346 0 0
AIR PRODS & CHEMS INC COM 009158106 1,166 4,975 SH   SOLE   4,975 0 0
ALBEMARLE CORP COM 012653101 1,664 6,285 SH   SOLE   6,285 0 0
ALLSTATE CORP COM 020002101 1,075 8,570 SH   SOLE   8,570 0 0
ALPHABET INC CAP STK CL C 02079K107 11,912 123,885 SH   SOLE   123,885 0 0
ALPHABET INC CAP STK CL A 02079K305 14,675 153,422 SH   SOLE   153,422 0 0
ALTRIA GROUP INC COM 02209S103 2,226 53,861 SH   SOLE   53,861 0 0
AMAZON COM INC COM 023135106 18,782 166,215 SH   SOLE   166,215 0 0
AMCOR PLC ORD G0250X107 532 49,602 SH   SOLE   49,602 0 0
AMERICAN ELEC PWR CO INC COM 025537101 230 2,664 SH   SOLE   2,664 0 0
AMERICAN EXPRESS CO COM 025816109 1,573 11,662 SH   SOLE   11,662 0 0
AMERIPRISE FINL INC COM 03076C106 11,702 46,444 SH   SOLE   46,444 0 0
AMERISOURCEBERGEN CORP COM 03073E105 571 4,219 SH   SOLE   4,219 0 0
AMGEN INC COM 031162100 7,392 32,794 SH   SOLE   32,794 0 0
APPLE INC COM 037833100 49,549 358,531 SH   SOLE   358,531 0 0
APPLIED MATLS INC COM 038222105 5,808 70,890 SH   SOLE   70,890 0 0
APTARGROUP INC COM 038336103 1,076 11,328 SH   SOLE   11,328 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 1,343 16,689 SH   SOLE   16,689 0 0
AT&T INC COM 00206R102 660 43,038 SH   SOLE   43,038 0 0
ATRICURE INC COM 04963C209 274 7,000 SH   SOLE   7,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 4,650 20,462 SH   SOLE   20,462 0 0
BANK NEW YORK MELLON CORP COM 064058100 832 21,612 SH   SOLE   21,612 0 0
BAXTER INTL INC COM 071813109 520 9,595 SH   SOLE   9,595 0 0
BECTON DICKINSON & CO COM 075887109 2,115 9,491 SH   SOLE   9,491 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,766 6,612 SH   SOLE   6,612 0 0
BIOGEN INC COM 09062X103 200 750 SH   SOLE   750 0 0
BK OF AMERICA CORP COM 060505104 812 26,888 SH   SOLE   26,888 0 0
BLACKROCK INC COM 09247X101 2,258 4,103 SH   SOLE   4,103 0 0
BLACKSTONE INC COM 09260D107 645 7,701 SH   SOLE   7,701 0 0
BOOKING HOLDINGS INC COM 09857L108 6,770 4,120 SH   SOLE   4,120 0 0
BP PLC SPONSORED ADR 055622104 330 11,559 SH   SOLE   11,559 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 3,212 45,184 SH   SOLE   45,184 0 0
BROADCOM INC COM 11135F101 6,249 14,073 SH   SOLE   14,073 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 1,405 14,508 SH   SOLE   14,508 0 0
CANADIAN NATL RY CO COM 136375102 979 9,067 SH   SOLE   9,067 0 0
CAPITAL ONE FINL CORP COM 14040H105 653 7,086 SH   SOLE   7,086 0 0
CARDINAL HEALTH INC COM 14149Y108 1,075 15,997 SH   SOLE   15,997 0 0
CARMAX INC COM 143130102 208 3,152 SH   SOLE   3,152 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 256 7,198 SH   SOLE   7,198 0 0
CATERPILLAR INC COM 149123101 2,004 12,216 SH   SOLE   12,216 0 0
CHEVRON CORP NEW COM 166764100 18,685 130,053 SH   SOLE   130,053 0 0
CHUBB LIMITED COM H1467J104 5,982 32,786 SH   SOLE   32,786 0 0
CHURCH & DWIGHT CO INC COM 171340102 456 6,385 SH   SOLE   6,385 0 0
CIGNA CORP NEW COM 125523100 439 1,582 SH   SOLE   1,582 0 0
CISCO SYS INC COM 17275R102 12,104 302,609 SH   SOLE   302,609 0 0
COCA COLA CO COM 191216100 4,455 78,901 SH   SOLE   78,901 0 0
COLGATE PALMOLIVE CO COM 194162103 2,112 30,068 SH   SOLE   30,068 0 0
COMCAST CORP NEW CL A 20030N101 5,637 192,209 SH   SOLE   192,209 0 0
CONOCOPHILLIPS COM 20825C104 2,132 20,556 SH   SOLE   20,556 0 0
CONSTELLATION BRANDS INC CL A 21036P108 983 4,278 SH   SOLE   4,278 0 0
CORNING INC COM 219350105 216 7,450 SH   SOLE   7,450 0 0
CORTEVA INC COM 22052L104 1,609 28,158 SH   SOLE   28,158 0 0
COSTCO WHSL CORP NEW COM 22160K105 284 602 SH   SOLE   602 0 0
CSX CORP COM 126408103 804 30,166 SH   SOLE   30,166 0 0
CVS HEALTH CORP COM 126650100 10,243 107,406 SH   SOLE   107,406 0 0
DANAHER CORPORATION COM 235851102 1,061 4,102 SH   SOLE   4,102 0 0
DEERE & CO COM 244199105 1,271 3,795 SH   SOLE   3,795 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 207 5,331 SH   SOLE   5,331 0 0
DISNEY WALT CO COM 254687106 6,752 71,575 SH   SOLE   71,575 0 0
DOLLAR TREE INC COM 256746108 935 6,872 SH   SOLE   6,872 0 0
DOMINION ENERGY INC COM 25746U109 1,564 22,624 SH   SOLE   22,624 0 0
DOVER CORP COM 260003108 3,559 30,531 SH   SOLE   30,531 0 0
DOW INC COM 260557103 1,341 30,522 SH   SOLE   30,522 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 363 3,901 SH   SOLE   3,901 0 0
DUPONT DE NEMOURS INC COM 26614N102 1,469 29,140 SH   SOLE   29,140 0 0
EASTMAN CHEM CO COM 277432100 4,923 68,814 SH   SOLE   68,814 0 0
EATON CORP PLC SHS G29183103 11,861 88,938 SH   SOLE   88,938 0 0
ELEVANCE HEALTH INC COM 036752103 15,593 34,327 SH   SOLE   34,327 0 0
EMERSON ELEC CO COM 291011104 3,140 42,879 SH   SOLE   42,879 0 0
ESSENTIAL UTILS INC COM 29670G102 234 5,650 SH   SOLE   5,650 0 0
EVEREST RE GROUP LTD COM G3223R108 1,403 5,347 SH   SOLE   5,347 0 0
EXPONENT INC COM 30214U102 210 2,400 SH   SOLE   2,400 0 0
EXXON MOBIL CORP COM 30231G102 18,082 207,106 SH   SOLE   207,106 0 0
FEDERATED HERMES INC CL B 314211103 550 16,606 SH   SOLE   16,606 0 0
FORD MTR CO DEL COM 345370860 3,130 279,485 SH   SOLE   279,485 0 0
GENERAL DYNAMICS CORP COM 369550108 2,923 13,775 SH   SOLE   13,775 0 0
GENERAL ELECTRIC CO COM NEW 369604301 342 5,523 SH   SOLE   5,523 0 0
GENERAL MLS INC COM 370334104 708 9,239 SH   SOLE   9,239 0 0
GILEAD SCIENCES INC COM 375558103 611 9,910 SH   SOLE   9,910 0 0
GLOBE LIFE INC COM 37959E102 724 7,265 SH   SOLE   7,265 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 7,402 25,258 SH   SOLE   25,258 0 0
HANOVER INS GROUP INC COM 410867105 1,985 15,491 SH   SOLE   15,491 0 0
HOME DEPOT INC COM 437076102 7,758 28,114 SH   SOLE   28,114 0 0
HONEYWELL INTL INC COM 438516106 367 2,196 SH   SOLE   2,196 0 0
HORMEL FOODS CORP COM 440452100 1,163 25,590 SH   SOLE   25,590 0 0
HUBBELL INC COM 443510607 242 1,087 SH   SOLE   1,087 0 0
ILLINOIS TOOL WKS INC COM 452308109 2,636 14,488 SH   SOLE   14,488 0 0
INGREDION INC COM 457187102 709 8,802 SH   SOLE   8,802 0 0
INTEL CORP COM 458140100 2,983 115,759 SH   SOLE   115,759 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,804 15,187 SH   SOLE   15,187 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 485 5,296 SH   SOLE   5,296 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 24,677 193,881 SH   SOLE   193,881 0 0
ISHARES GOLD TR ISHARES NEW 464285204 359 11,388 SH   SOLE   11,388 0 0
ISHARES INC CORE MSCI EMKT 46434G103 11,428 265,882 SH   SOLE   265,882 0 0
ISHARES TR SELECT DIVID ETF 464287168 280 2,610 SH   SOLE   2,610 0 0
ISHARES TR TIPS BD ETF 464287176 315 3,007 SH   SOLE   3,007 0 0
ISHARES TR CORE S&P500 ETF 464287200 32,050 89,362 SH   SOLE   89,362 0 0
ISHARES TR CORE US AGGBD ET 464287226 2,678 27,794 SH   SOLE   27,794 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 283 8,102 SH   SOLE   8,102 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 4,106 70,976 SH   SOLE   70,976 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,068 8,308 SH   SOLE   8,308 0 0
ISHARES TR MSCI EAFE ETF 464287465 935 16,697 SH   SOLE   16,697 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 504 5,249 SH   SOLE   5,249 0 0
ISHARES TR RUS MD CP GR ETF 464287481 594 7,576 SH   SOLE   7,576 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,070 17,222 SH   SOLE   17,222 0 0
ISHARES TR CORE S&P MCP ETF 464287507 19,143 87,309 SH   SOLE   87,309 0 0
ISHARES TR EXPANDED TECH 464287515 4,172 16,680 SH   SOLE   16,680 0 0
ISHARES TR ISHARES SEMICDTR 464287523 2,417 7,584 SH   SOLE   7,584 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 897 6,593 SH   SOLE   6,593 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 5,587 26,555 SH   SOLE   26,555 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 1,948 15,109 SH   SOLE   15,109 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,407 8,530 SH   SOLE   8,530 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 842 4,067 SH   SOLE   4,067 0 0
ISHARES TR U.S. TECH ETF 464287721 4,226 57,600 SH   SOLE   57,600 0 0
ISHARES TR CORE S&P SCP ETF 464287804 10,272 117,817 SH   SOLE   117,817 0 0
ISHARES TR SP SMCP600VL ETF 464287879 209 2,538 SH   SOLE   2,538 0 0
ISHARES TR S&P SML 600 GWT 464287887 343 3,374 SH   SOLE   3,374 0 0
ISHARES TR MSCI ACWI ETF 464288257 2,301 29,560 SH   SOLE   29,560 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,543 24,792 SH   SOLE   24,792 0 0
ISHARES TR MBS ETF 464288588 3,220 35,160 SH   SOLE   35,160 0 0
ISHARES TR INTRM GOV CR ETF 464288612 2,534 24,918 SH   SOLE   24,918 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 1,902 39,390 SH   SOLE   39,390 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 2,283 46,337 SH   SOLE   46,337 0 0
ISHARES TR SHORT TREAS BD 464288679 8,013 72,843 SH   SOLE   72,843 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 356 3,706 SH   SOLE   3,706 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 15,566 305,698 SH   SOLE   305,698 0 0
ISHARES TR CORE MSCI EAFE 46432F842 10,956 208,005 SH   SOLE   208,005 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 10,505 213,259 SH   SOLE   213,259 0 0
JOHNSON & JOHNSON COM 478160104 17,503 107,144 SH   SOLE   107,144 0 0
JPMORGAN CHASE & CO COM 46625H100 17,116 163,788 SH   SOLE   163,788 0 0
KIMBERLY-CLARK CORP COM 494368103 4,156 36,551 SH   SOLE   36,551 0 0
KINSALE CAP GROUP INC COM 49714P108 1,967 7,700 SH   SOLE   7,700 0 0
KLA CORP COM NEW 482480100 1,776 5,869 SH   SOLE   5,869 0 0
KRAFT HEINZ CO COM 500754106 333 9,990 SH   SOLE   9,990 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 257 1,237 SH   SOLE   1,237 0 0
LILLY ELI & CO COM 532457108 2,325 7,190 SH   SOLE   7,190 0 0
LOCKHEED MARTIN CORP COM 539830109 4,706 12,183 SH   SOLE   12,183 0 0
LOWES COS INC COM 548661107 8,039 42,804 SH   SOLE   42,804 0 0
MARATHON PETE CORP COM 56585A102 1,135 11,430 SH   SOLE   11,430 0 0
MARKEL CORP COM 570535104 5,094 4,698 SH   SOLE   4,698 0 0
MASTERCARD INCORPORATED CL A 57636Q104 322 1,134 SH   SOLE   1,134 0 0
MCDONALDS CORP COM 580135101 4,748 20,579 SH   SOLE   20,579 0 0
MEDTRONIC PLC SHS G5960L103 2,297 28,209 SH   SOLE   28,209 0 0
MERCK & CO INC COM 58933Y105 9,051 104,405 SH   SOLE   104,405 0 0
META PLATFORMS INC CL A 30303M102 9,794 72,183 SH   SOLE   72,183 0 0
MICROSOFT CORP COM 594918104 36,583 157,074 SH   SOLE   157,074 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209 335 6,988 SH   SOLE   6,988 0 0
MONDELEZ INTL INC CL A 609207105 1,832 33,188 SH   SOLE   33,188 0 0
MORGAN STANLEY COM NEW 617446448 7,626 96,523 SH   SOLE   96,523 0 0
MSC INDL DIRECT INC CL A 553530106 764 10,495 SH   SOLE   10,495 0 0
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103 2,571 15,410 SH   SOLE   15,410 0 0
NEXTERA ENERGY INC COM 65339F101 1,249 15,934 SH   SOLE   15,934 0 0
NIKE INC CL B 654106103 1,006 12,054 SH   SOLE   12,054 0 0
NORFOLK SOUTHN CORP COM 655844108 14,314 68,278 SH   SOLE   68,278 0 0
NORTHERN TR CORP COM 665859104 1,048 12,149 SH   SOLE   12,149 0 0
NORTHROP GRUMMAN CORP COM 666807102 284 603 SH   SOLE   603 0 0
NOVARTIS AG SPONSORED ADR 66987V109 1,293 17,011 SH   SOLE   17,011 0 0
NOVO-NORDISK A S ADR 670100205 1,940 19,471 SH   SOLE   19,471 0 0
ORACLE CORP COM 68389X105 13,285 217,532 SH   SOLE   217,532 0 0
OTIS WORLDWIDE CORP COM 68902V107 213 3,344 SH   SOLE   3,344 0 0
PACKAGING CORP AMER COM 695156109 1,492 13,139 SH   SOLE   13,139 0 0
PARKER-HANNIFIN CORP COM 701094104 2,274 9,385 SH   SOLE   9,385 0 0
PEPSICO INC COM 713448108 15,764 96,556 SH   SOLE   96,556 0 0
PFIZER INC COM 717081103 6,908 157,869 SH   SOLE   157,869 0 0
PHILIP MORRIS INTL INC COM 718172109 3,461 41,065 SH   SOLE   41,065 0 0
PHILLIPS 66 COM 718546104 1,044 12,929 SH   SOLE   12,929 0 0
PNC FINL SVCS GROUP INC COM 693475105 9,579 64,106 SH   SOLE   64,106 0 0
PRICE T ROWE GROUP INC COM 74144T108 1,831 17,437 SH   SOLE   17,437 0 0
PROCTER AND GAMBLE CO COM 742718109 12,537 99,302 SH   SOLE   99,302 0 0
PULTE GROUP INC COM 745867101 2,006 53,500 SH   SOLE   53,500 0 0
QUALCOMM INC COM 747525103 3,165 28,018 SH   SOLE   28,018 0 0
QUEST DIAGNOSTICS INC COM 74834L100 2,662 21,696 SH   SOLE   21,696 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 6,306 77,032 SH   SOLE   77,032 0 0
ROYAL BK CDA COM 780087102 212 2,350 SH   SOLE   2,350 0 0
SCHLUMBERGER LTD COM STK 806857108 5,321 147,698 SH   SOLE   147,698 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,898 92,826 SH   SOLE   92,826 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 10,195 240,730 SH   SOLE   240,730 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 16,712 299,449 SH   SOLE   299,449 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,973 49,108 SH   SOLE   49,108 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,571 41,556 SH   SOLE   41,556 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 462 6,954 SH   SOLE   6,954 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 221 1,825 SH   SOLE   1,825 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 4,365 65,411 SH   SOLE   65,411 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,539 35,256 SH   SOLE   35,256 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,721 56,688 SH   SOLE   56,688 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 4,585 38,600 SH   SOLE   38,600 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 943 19,685 SH   SOLE   19,685 0 0
SENSIENT TECHNOLOGIES CORP COM 81725T100 798 11,511 SH   SOLE   11,511 0 0
SHELL PLC SPON ADS 780259305 1,390 27,938 SH   SOLE   27,938 0 0
SOUTHERN CO COM 842587107 482 7,081 SH   SOLE   7,081 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,235 47,860 SH   SOLE   47,860 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,828 21,818 SH   SOLE   21,818 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 353 872 SH   SOLE   872 0 0
SPDR SER TR PORT MTG BK ETF 78464A383 257 12,000 SH   SOLE   12,000 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 666 19,301 SH   SOLE   19,301 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 264 6,000 SH   SOLE   6,000 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 461 10,000 SH   SOLE   10,000 0 0
STANLEY BLACK & DECKER INC COM 854502101 705 9,376 SH   SOLE   9,376 0 0
STANTEC INC COM 85472N109 386 8,780 SH   SOLE   8,780 0 0
STARBUCKS CORP COM 855244109 2,971 35,257 SH   SOLE   35,257 0 0
STRYKER CORPORATION COM 863667101 615 3,025 SH   SOLE   3,025 0 0
SYSCO CORP COM 871829107 2,838 40,136 SH   SOLE   40,136 0 0
TARGET CORP COM 87612E106 9,283 62,105 SH   SOLE   62,105 0 0
TEXAS INSTRS INC COM 882508104 244 1,579 SH   SOLE   1,579 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 18,845 37,137 SH   SOLE   37,137 0 0
TJX COS INC NEW COM 872540109 8,400 135,220 SH   SOLE   135,220 0 0
TORO CO COM 891092108 1,135 13,127 SH   SOLE   13,127 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 376 6,126 SH   SOLE   6,126 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109 3,732 79,640 SH   SOLE   79,640 0 0
TRACTOR SUPPLY CO COM 892356106 459 2,469 SH   SOLE   2,469 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 7,655 52,861 SH   SOLE   52,861 0 0
TRAVELERS COMPANIES INC COM 89417E109 1,282 8,368 SH   SOLE   8,368 0 0
TRUIST FINL CORP COM 89832Q109 9,436 216,729 SH   SOLE   216,729 0 0
UNION PAC CORP COM 907818108 1,399 7,183 SH   SOLE   7,183 0 0
UNITED PARCEL SERVICE INC CL B 911312106 8,074 49,979 SH   SOLE   49,979 0 0
UNITEDHEALTH GROUP INC COM 91324P102 15,093 29,884 SH   SOLE   29,884 0 0
UNIVERSAL CORP VA COM 913456109 302 6,567 SH   SOLE   6,567 0 0
US BANCORP DEL COM NEW 902973304 1,636 40,108 SH   SOLE   40,108 0 0
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 496 11,400 SH   SOLE   11,400 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1,211 7,501 SH   SOLE   7,501 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 213 2,980 SH   SOLE   2,980 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 2,256 46,080 SH   SOLE   46,080 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,090 9,369 SH   SOLE   9,369 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,352 7,930 SH   SOLE   7,930 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 283 3,528 SH   SOLE   3,528 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 6,350 33,781 SH   SOLE   33,781 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 276 1,615 SH   SOLE   1,615 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 890 20,070 SH   SOLE   20,070 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,212 88,020 SH   SOLE   88,020 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,939 61,050 SH   SOLE   61,050 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,740 36,886 SH   SOLE   36,886 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,054 27,145 SH   SOLE   27,145 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 850 6,286 SH   SOLE   6,286 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 4,560 99,623 SH   SOLE   99,623 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 9,445 259,770 SH   SOLE   259,770 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,953 18,997 SH   SOLE   18,997 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 7,258 23,554 SH   SOLE   23,554 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,298 34,194 SH   SOLE   34,194 0 0
VIRGINIA NATL BANKSHARES COR COM 928031103 714 22,000 SH   SOLE   22,000 0 0
VISA INC COM CL A 92826C839 8,732 49,152 SH   SOLE   49,152 0 0
WALMART INC COM 931142103 7,885 60,795 SH   SOLE   60,795 0 0
WATERS CORP COM 941848103 412 1,528 SH   SOLE   1,528 0 0
WELLS FARGO CO NEW COM 949746101 2,608 64,841 SH   SOLE   64,841 0 0
WESTROCK CO COM 96145D105 1,389 44,982 SH   SOLE   44,982 0 0
WISDOMTREE TR US LARGECAP FUND 97717W588 1,658 43,183 SH   SOLE   43,183 0 0
YUM BRANDS INC COM 988498101 512 4,815 SH   SOLE   4,815 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 710 6,773 SH   SOLE   6,773 0 0