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
3M CO COM 88579Y101   3,012,873 28,664 SH   SOLE   28,664 0 0
ABBOTT LABS COM 002824100   5,308,353 52,423 SH   SOLE   52,423 0 0
ABBVIE INC COM 00287Y109   5,852,863 36,725 SH   SOLE   36,725 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,814,036 6,347 SH   SOLE   6,347 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   5,891,922 15,289 SH   SOLE   15,289 0 0
AIR PRODS & CHEMS INC COM 009158106   1,422,261 4,922 SH   SOLE   4,922 0 0
ALBEMARLE CORP COM 012653101   1,131,558 5,110 SH   SOLE   5,110 0 0
ALLSTATE CORP COM 020002101   906,986 8,120 SH   SOLE   8,120 0 0
ALPHABET INC CAP STK CL C 02079K107   13,443,872 129,268 SH   SOLE   129,268 0 0
ALPHABET INC CAP STK CL A 02079K305   17,342,515 167,189 SH   SOLE   167,189 0 0
ALTRIA GROUP INC COM 02209S103   2,768,285 60,761 SH   SOLE   60,761 0 0
AMAZON COM INC COM 023135106   17,127,858 165,823 SH   SOLE   165,823 0 0
AMCOR PLC ORD G0250X107   552,863 48,582 SH   SOLE   48,582 0 0
AMERICAN ELEC PWR CO INC COM 025537101   395,443 4,346 SH   SOLE   4,346 0 0
AMERICAN EXPRESS CO COM 025816109   1,904,843 11,548 SH   SOLE   11,548 0 0
AMERIPRISE FINL INC COM 03076C106   14,306,807 46,678 SH   SOLE   46,678 0 0
AMERISOURCEBERGEN CORP COM 03073E105   675,504 4,219 SH   SOLE   4,219 0 0
AMGEN INC COM 031162100   8,008,211 33,126 SH   SOLE   33,126 0 0
APPLE INC COM 037833100   59,128,033 358,569 SH   SOLE   358,569 0 0
APPLIED MATLS INC COM 038222105   8,378,162 68,209 SH   SOLE   68,209 0 0
APTARGROUP INC COM 038336103   1,316,637 11,140 SH   SOLE   11,140 0 0
ARCHER DANIELS MIDLAND CO COM 039483102   1,310,885 16,456 SH   SOLE   16,456 0 0
AT&T INC COM 00206R102   824,208 42,816 SH   SOLE   42,816 0 0
ATRICURE INC COM 04963C209   290,150 7,000 SH   SOLE   7,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   4,516,779 20,175 SH   SOLE   20,175 0 0
BANK AMERICA CORP COM 060505104   824,080 28,814 SH   SOLE   28,814 0 0
BANK NEW YORK MELLON CORP COM 064058100   980,232 21,572 SH   SOLE   21,572 0 0
BAXTER INTL INC COM 071813109   357,487 8,750 SH   SOLE   8,750 0 0
BECTON DICKINSON & CO COM 075887109   2,329,617 9,411 SH   SOLE   9,411 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,045,601 6,625 SH   SOLE   6,625 0 0
BIOGEN INC COM 09062X103   209,635 754 SH   SOLE   754 0 0
BLACKROCK INC COM 09247X101   2,750,083 4,110 SH   SOLE   4,110 0 0
BLACKSTONE INC COM 09260D107   772,114 8,790 SH   SOLE   8,790 0 0
BOOKING HOLDINGS INC COM 09857L108   11,490,240 4,332 SH   SOLE   4,332 0 0
BP PLC SPONSORED ADR 055622104   413,887 10,909 SH   SOLE   10,909 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   3,199,350 46,160 SH   SOLE   46,160 0 0
BROADCOM INC COM 11135F101   9,565,361 14,910 SH   SOLE   14,910 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209   1,448,010 14,483 SH   SOLE   14,483 0 0
CANADIAN NATL RY CO COM 136375102   1,065,859 9,035 SH   SOLE   9,035 0 0
CAPITAL ONE FINL CORP COM 14040H105   659,561 6,859 SH   SOLE   6,859 0 0
CARDINAL HEALTH INC COM 14149Y108   1,153,159 15,174 SH   SOLE   15,174 0 0
CARMAX INC COM 143130102   211,353 3,288 SH   SOLE   3,288 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   325,603 7,117 SH   SOLE   7,117 0 0
CATERPILLAR INC COM 149123101   2,737,613 11,963 SH   SOLE   11,963 0 0
CHEMOURS CO COM 163851108   201,197 6,720 SH   SOLE   6,720 0 0
CHEVRON CORP NEW COM 166764100   21,613,969 132,471 SH   SOLE   132,471 0 0
CHUBB LIMITED COM H1467J104   6,425,843 32,995 SH   SOLE   32,995 0 0
CHURCH & DWIGHT CO INC COM 171340102   547,435 6,192 SH   SOLE   6,192 0 0
CISCO SYS INC COM 17275R102   16,288,059 311,584 SH   SOLE   311,584 0 0
COCA COLA CO COM 191216100   4,857,120 77,724 SH   SOLE   77,724 0 0
COLGATE PALMOLIVE CO COM 194162103   2,279,600 30,334 SH   SOLE   30,334 0 0
COMCAST CORP NEW CL A 20030N101   2,149,838 56,709 SH   SOLE   56,709 0 0
CONOCOPHILLIPS COM 20825C104   1,173,067 11,753 SH   SOLE   11,753 0 0
CONSTELLATION BRANDS INC CL A 21036P108   1,194,506 5,288 SH   SOLE   5,288 0 0
CORNING INC COM 219350105   273,420 7,750 SH   SOLE   7,750 0 0
CORTEVA INC COM 22052L104   1,265,183 20,978 SH   SOLE   20,978 0 0
COSTCO WHSL CORP NEW COM 22160K105   339,362 683 SH   SOLE   683 0 0
CSX CORP COM 126408103   880,685 29,415 SH   SOLE   29,415 0 0
CVS HEALTH CORP COM 126650100   8,320,664 111,972 SH   SOLE   111,972 0 0
DANAHER CORPORATION COM 235851102   897,971 3,559 SH   SOLE   3,559 0 0
DEERE & CO COM 244199105   1,520,685 3,672 SH   SOLE   3,672 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   213,968 1,171 SH   SOLE   1,171 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   236,856 5,331 SH   SOLE   5,331 0 0
DISNEY WALT CO COM 254687106   6,612,146 66,036 SH   SOLE   66,036 0 0
DOLLAR TREE INC COM 256746108   968,675 6,748 SH   SOLE   6,748 0 0
DOMINION ENERGY INC COM 25746U109   1,904,071 34,056 SH   SOLE   34,056 0 0
DOVER CORP COM 260003108   4,572,027 30,091 SH   SOLE   30,091 0 0
DOW INC COM 260557103   1,254,611 22,886 SH   SOLE   22,886 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   571,874 5,928 SH   SOLE   5,928 0 0
DUPONT DE NEMOURS INC COM 26614N102   1,560,998 21,750 SH   SOLE   21,750 0 0
EASTMAN CHEM CO COM 277432100   5,718,226 67,404 SH   SOLE   67,404 0 0
EATON CORP PLC SHS G29183103   15,273,248 89,140 SH   SOLE   89,140 0 0
ELEVANCE HEALTH INC COM 036752103   15,837,696 34,444 SH   SOLE   34,444 0 0
EMERSON ELEC CO COM 291011104   3,655,638 41,951 SH   SOLE   41,951 0 0
ENBRIDGE INC COM 29250N105   213,297 5,591 SH   SOLE   5,591 0 0
ESSENTIAL UTILS INC COM 29670G102   246,623 5,650 SH   SOLE   5,650 0 0
EVEREST RE GROUP LTD COM G3223R108   1,903,950 5,318 SH   SOLE   5,318 0 0
EXPONENT INC COM 30214U102   229,287 2,300 SH   SOLE   2,300 0 0
EXXON MOBIL CORP COM 30231G102   21,045,070 191,912 SH   SOLE   191,912 0 0
FEDERATED HERMES INC CL B 314211103   626,224 15,601 SH   SOLE   15,601 0 0
FEDEX CORP COM 31428X106   286,591 1,248 SH   SOLE   1,248 0 0
FLEX LTD ORD Y2573F102   241,605 10,500 SH   SOLE   10,500 0 0
FLEXSHARES TR M STAR DEV MKT 33939L803   212,450 3,297 SH   SOLE   3,297 0 0
FORD MTR CO DEL COM 345370860   3,136,745 248,948 SH   SOLE   248,948 0 0
FREEPORT-MCMORAN INC CL B 35671D857   230,978 5,646 SH   SOLE   5,646 0 0
GENERAL DYNAMICS CORP COM 369550108   3,130,128 13,716 SH   SOLE   13,716 0 0
GENERAL ELECTRIC CO COM NEW 369604301   491,125 5,133 SH   SOLE   5,133 0 0
GENERAL MLS INC COM 370334104   776,746 9,089 SH   SOLE   9,089 0 0
GILEAD SCIENCES INC COM 375558103   866,871 10,448 SH   SOLE   10,448 0 0
GLOBE LIFE INC COM 37959E102   784,393 7,115 SH   SOLE   7,115 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   8,342,653 25,504 SH   SOLE   25,504 0 0
HANOVER INS GROUP INC COM 410867105   1,992,136 15,503 SH   SOLE   15,503 0 0
HOME DEPOT INC COM 437076102   8,267,343 28,013 SH   SOLE   28,013 0 0
HONEYWELL INTL INC COM 438516106   519,082 2,716 SH   SOLE   2,716 0 0
HORMEL FOODS CORP COM 440452100   1,028,585 25,792 SH   SOLE   25,792 0 0
HUBBELL INC COM 443510607   264,478 1,087 SH   SOLE   1,087 0 0
ILLINOIS TOOL WKS INC COM 452308109   3,540,859 14,467 SH   SOLE   14,467 0 0
INGREDION INC COM 457187102   879,652 8,587 SH   SOLE   8,587 0 0
INTEL CORP COM 458140100   2,934,767 89,831 SH   SOLE   89,831 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   2,008,299 15,320 SH   SOLE   15,320 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101   446,966 4,818 SH   SOLE   4,818 0 0
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628   5,725,799 136,426 SH   SOLE   136,426 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   23,670,925 163,677 SH   SOLE   163,677 0 0
ISHARES GOLD TR ISHARES NEW 464285204   318,131 8,513 SH   SOLE   8,513 0 0
ISHARES INC CORE MSCI EMKT 46434G103   16,261,122 333,288 SH   SOLE   333,288 0 0
ISHARES TR SELECT DIVID ETF 464287168   689,487 5,884 SH   SOLE   5,884 0 0
ISHARES TR TIPS BD ETF 464287176   331,522 3,007 SH   SOLE   3,007 0 0
ISHARES TR CORE S&P500 ETF 464287200   39,042,522 94,975 SH   SOLE   94,975 0 0
ISHARES TR CORE US AGGBD ET 464287226   2,749,765 27,597 SH   SOLE   27,597 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   222,041 5,627 SH   SOLE   5,627 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   4,638,286 72,598 SH   SOLE   72,598 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,260,822 8,308 SH   SOLE   8,308 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,148,969 16,065 SH   SOLE   16,065 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   557,444 5,249 SH   SOLE   5,249 0 0
ISHARES TR RUS MD CP GR ETF 464287481   689,795 7,576 SH   SOLE   7,576 0 0
ISHARES TR RUS MID CAP ETF 464287499   1,499,225 21,442 SH   SOLE   21,442 0 0
ISHARES TR CORE S&P MCP ETF 464287507   25,606,628 102,361 SH   SOLE   102,361 0 0
ISHARES TR EXPANDED TECH 464287515   3,182,896 10,446 SH   SOLE   10,446 0 0
ISHARES TR ISHARES SEMICDTR 464287523   3,498,664 7,868 SH   SOLE   7,868 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   821,138 5,393 SH   SOLE   5,393 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   5,445,383 22,287 SH   SOLE   22,287 0 0
ISHARES TR RUS 1000 ETF 464287622   676,816 3,005 SH   SOLE   3,005 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   2,472,526 18,045 SH   SOLE   18,045 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   1,494,148 8,375 SH   SOLE   8,375 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   969,183 4,117 SH   SOLE   4,117 0 0
ISHARES TR U.S. TECH ETF 464287721   5,345,856 57,600 SH   SOLE   57,600 0 0
ISHARES TR CORE S&P SCP ETF 464287804   12,770,492 132,063 SH   SOLE   132,063 0 0
ISHARES TR SP SMCP600VL ETF 464287879   237,531 2,538 SH   SOLE   2,538 0 0
ISHARES TR S&P SML 600 GWT 464287887   370,938 3,374 SH   SOLE   3,374 0 0
ISHARES TR MSCI ACWI ETF 464288257   1,100,757 12,075 SH   SOLE   12,075 0 0
ISHARES TR NATIONAL MUN ETF 464288414   5,361,142 49,760 SH   SOLE   49,760 0 0
ISHARES TR MBS ETF 464288588   3,033,728 32,025 SH   SOLE   32,025 0 0
ISHARES TR INTRM GOV CR ETF 464288612   10,610,124 101,542 SH   SOLE   101,542 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   1,427,122 27,830 SH   SOLE   27,830 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   1,672,470 33,092 SH   SOLE   33,092 0 0
ISHARES TR SHORT TREAS BD 464288679   13,052,702 118,124 SH   SOLE   118,124 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   367,746 3,706 SH   SOLE   3,706 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   26,319,519 424,851 SH   SOLE   424,851 0 0
ISHARES TR CORE MSCI EAFE 46432F842   13,574,494 203,059 SH   SOLE   203,059 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   7,390,995 149,012 SH   SOLE   149,012 0 0
JOHNSON & JOHNSON COM 478160104   16,523,871 106,606 SH   SOLE   106,606 0 0
JPMORGAN CHASE & CO COM 46625H100   21,512,968 165,091 SH   SOLE   165,091 0 0
KIMBERLY-CLARK CORP COM 494368103   5,072,358 37,462 SH   SOLE   37,462 0 0
KINSALE CAP GROUP INC COM 49714P108   2,311,155 7,700 SH   SOLE   7,700 0 0
KLA CORP COM NEW 482480100   2,331,552 5,841 SH   SOLE   5,841 0 0
KRAFT HEINZ CO COM 500754106   390,644 10,102 SH   SOLE   10,102 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   244,908 1,248 SH   SOLE   1,248 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   298,246 1,300 SH   SOLE   1,300 0 0
LILLY ELI & CO COM 532457108   2,465,069 7,178 SH   SOLE   7,178 0 0
LOCKHEED MARTIN CORP COM 539830109   5,833,488 12,340 SH   SOLE   12,340 0 0
LOWES COS INC COM 548661107   8,255,761 41,285 SH   SOLE   41,285 0 0
MARATHON PETE CORP COM 56585A102   1,534,365 11,380 SH   SOLE   11,380 0 0
MARKEL CORP COM 570535104   5,964,227 4,669 SH   SOLE   4,669 0 0
MASTERCARD INCORPORATED CL A 57636Q104   526,218 1,448 SH   SOLE   1,448 0 0
MCDONALDS CORP COM 580135101   5,604,782 20,045 SH   SOLE   20,045 0 0
MEDTRONIC PLC SHS G5960L103   2,154,945 26,504 SH   SOLE   26,504 0 0
MERCK & CO INC COM 58933Y105   10,861,271 101,512 SH   SOLE   101,512 0 0
META PLATFORMS INC CL A 30303M102   11,501,772 54,269 SH   SOLE   54,269 0 0
MICROSOFT CORP COM 594918104   44,877,425 155,662 SH   SOLE   155,662 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209   354,938 6,868 SH   SOLE   6,868 0 0
MONDELEZ INTL INC CL A 609207105   2,313,395 32,999 SH   SOLE   32,999 0 0
MORGAN STANLEY COM NEW 617446448   8,710,901 99,213 SH   SOLE   99,213 0 0
MSC INDL DIRECT INC CL A 553530106   837,732 9,973 SH   SOLE   9,973 0 0
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103   2,488,031 14,410 SH   SOLE   14,410 0 0
NEXTERA ENERGY INC COM 65339F101   1,249,185 16,206 SH   SOLE   16,206 0 0
NIKE INC CL B 654106103   1,426,199 11,597 SH   SOLE   11,597 0 0
NORFOLK SOUTHN CORP COM 655844108   14,805,020 69,835 SH   SOLE   69,835 0 0
NORTHERN TR CORP COM 665859104   1,077,998 12,129 SH   SOLE   12,129 0 0
NORTHROP GRUMMAN CORP COM 666807102   280,726 608 SH   SOLE   608 0 0
NOVARTIS AG SPONSORED ADR 66987V109   1,547,716 16,823 SH   SOLE   16,823 0 0
NOVO-NORDISK A S ADR 670100205   3,030,846 18,905 SH   SOLE   18,905 0 0
ORACLE CORP COM 68389X105   20,073,136 216,026 SH   SOLE   216,026 0 0
OTIS WORLDWIDE CORP COM 68902V107   267,464 3,169 SH   SOLE   3,169 0 0
PACKAGING CORP AMER COM 695156109   1,948,042 13,913 SH   SOLE   13,913 0 0
PARKER-HANNIFIN CORP COM 701094104   3,148,006 9,366 SH   SOLE   9,366 0 0
PEPSICO INC COM 713448108   14,614,444 80,167 SH   SOLE   80,167 0 0
PFIZER INC COM 717081103   6,639,733 162,739 SH   SOLE   162,739 0 0
PHILIP MORRIS INTL INC COM 718172109   4,181,393 42,435 SH   SOLE   42,435 0 0
PHILLIPS 66 COM 718546104   955,912 9,429 SH   SOLE   9,429 0 0
PNC FINL SVCS GROUP INC COM 693475105   8,227,437 64,732 SH   SOLE   64,732 0 0
PRICE T ROWE GROUP INC COM 74144T108   1,917,381 16,983 SH   SOLE   16,983 0 0
PROCTER AND GAMBLE CO COM 742718109   14,584,189 98,085 SH   SOLE   98,085 0 0
PULTE GROUP INC COM 745867101   3,117,980 53,500 SH   SOLE   53,500 0 0
QUALCOMM INC COM 747525103   3,577,726 28,043 SH   SOLE   28,043 0 0
QUEST DIAGNOSTICS INC COM 74834L100   2,980,312 21,065 SH   SOLE   21,065 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   7,563,934 77,238 SH   SOLE   77,238 0 0
ROYAL BK CDA SUSTAINABL COM 780087102   243,729 2,550 SH   SOLE   2,550 0 0
SCHLUMBERGER LTD COM STK 806857108   7,617,662 154,609 SH   SOLE   154,609 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   4,233,695 88,478 SH   SOLE   88,478 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   14,253,553 294,678 SH   SOLE   294,678 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   27,789,270 426,412 SH   SOLE   426,412 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,058,271 45,074 SH   SOLE   45,074 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,776,616 42,371 SH   SOLE   42,371 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,211,975 49,428 SH   SOLE   49,428 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   528,098 7,218 SH   SOLE   7,218 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   632,241 18,168 SH   SOLE   18,168 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   236,265 1,825 SH   SOLE   1,825 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   4,887,678 65,422 SH   SOLE   65,422 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   2,896,234 34,966 SH   SOLE   34,966 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,819,939 56,608 SH   SOLE   56,608 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,315,866 28,580 SH   SOLE   28,580 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,866,269 49,444 SH   SOLE   49,444 0 0
SENSIENT TECHNOLOGIES CORP COM 81725T100   862,372 11,264 SH   SOLE   11,264 0 0
SHELL PLC SPON ADS 780259305   1,596,045 27,738 SH   SOLE   27,738 0 0
SOUTHERN CO COM 842587107   520,598 7,482 SH   SOLE   7,482 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   327,648 9,600 SH   SOLE   9,600 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   1,312,423 40,860 SH   SOLE   40,860 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   9,102,501 22,153 SH   SOLE   22,153 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   400,773 872 SH   SOLE   872 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   266,160 12,000 SH   SOLE   12,000 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   732,186 17,981 SH   SOLE   17,981 0 0
STANLEY BLACK & DECKER INC COM 854502101   725,462 9,003 SH   SOLE   9,003 0 0
STANTEC INC COM 85472N109   478,983 8,180 SH   SOLE   8,180 0 0
STARBUCKS CORP COM 855244109   3,430,146 32,941 SH   SOLE   32,941 0 0
STRYKER CORPORATION COM 863667101   868,391 3,034 SH   SOLE   3,034 0 0
SYSCO CORP COM 871829107   3,017,067 39,066 SH   SOLE   39,066 0 0
TARGET CORP COM 87612E106   10,186,302 61,500 SH   SOLE   61,500 0 0
TEXAS INSTRS INC COM 882508104   297,802 1,601 SH   SOLE   1,601 0 0
THE CIGNA GROUP COM 125523100   406,548 1,591 SH   SOLE   1,591 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   21,420,871 37,146 SH   SOLE   37,146 0 0
TJX COS INC NEW COM 872540109   10,603,283 135,315 SH   SOLE   135,315 0 0
TORO CO COM 891092108   1,446,525 13,013 SH   SOLE   13,013 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   366,947 6,126 SH   SOLE   6,126 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109   4,921,677 82,785 SH   SOLE   82,785 0 0
TRACTOR SUPPLY CO COM 892356106   576,788 2,454 SH   SOLE   2,454 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   9,746,708 52,977 SH   SOLE   52,977 0 0
TRAVELERS COMPANIES INC COM 89417E109   1,410,686 8,230 SH   SOLE   8,230 0 0
TRUIST FINL CORP COM 89832Q109   1,380,982 40,498 SH   SOLE   40,498 0 0
UNILEVER PLC SPON ADR NEW 904767704   9,784,391 188,415 SH   SOLE   188,415 0 0
UNION PAC CORP COM 907818108   1,478,456 7,346 SH   SOLE   7,346 0 0
UNITED PARCEL SERVICE INC CL B 911312106   9,760,607 50,315 SH   SOLE   50,315 0 0
UNITEDHEALTH GROUP INC COM 91324P102   14,372,356 30,412 SH   SOLE   30,412 0 0
UNIVERSAL CORP VA COM 913456109   343,362 6,492 SH   SOLE   6,492 0 0
US BANCORP DEL COM NEW 902973304   1,301,929 35,640 SH   SOLE   35,640 0 0
VALERO ENERGY CORP COM 91913Y100   213,309 1,528 SH   SOLE   1,528 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   1,378,021 15,520 SH   SOLE   15,520 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   874,995 17,770 SH   SOLE   17,770 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,508,522 9,329 SH   SOLE   9,329 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,545,478 7,930 SH   SOLE   7,930 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   668,887 8,055 SH   SOLE   8,055 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   8,627,261 40,903 SH   SOLE   40,903 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   302,348 1,595 SH   SOLE   1,595 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,955,398 36,570 SH   SOLE   36,570 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,527,243 87,308 SH   SOLE   87,308 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   372,351 7,350 SH   SOLE   7,350 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,872,507 24,564 SH   SOLE   24,564 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,969,241 24,548 SH   SOLE   24,548 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   939,307 6,099 SH   SOLE   6,099 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,555,396 100,623 SH   SOLE   100,623 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   19,100,225 422,852 SH   SOLE   422,852 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   1,402,973 12,282 SH   SOLE   12,282 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   9,037,344 23,445 SH   SOLE   23,445 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,214,545 31,230 SH   SOLE   31,230 0 0
VIRGINIA NATL BANKSHARES COR COM 928031103   791,120 22,000 SH   SOLE   22,000 0 0
VISA INC COM CL A 92826C839   11,134,117 49,384 SH   SOLE   49,384 0 0
WALMART INC COM 931142103   9,155,635 61,890 SH   SOLE   61,890 0 0
WASTE MGMT INC DEL COM 94106L109   251,608 1,542 SH   SOLE   1,542 0 0
WATERS CORP COM 941848103   473,115 1,528 SH   SOLE   1,528 0 0
WELLS FARGO CO NEW COM 949746101   2,322,793 62,140 SH   SOLE   62,140 0 0
WESTROCK CO COM 96145D105   1,346,408 44,188 SH   SOLE   44,188 0 0
WISDOMTREE TR US LARGECAP FUND 97717W588   1,887,962 43,183 SH   SOLE   43,183 0 0
YUM BRANDS INC COM 988498101   628,040 4,755 SH   SOLE   4,755 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   845,652 6,533 SH   SOLE   6,533 0 0