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
Expires: July 31, 2015
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
ALPHABET INC CAP STK CL A 02079K305 327,649 122 SH SOLE 0 0 122
ALPHABET INC CAP STK CL C 02079K107 383,612 143 SH SOLE 0 0 143
AMAZON COM INC COM 023135106 1,045,462 341 SH SOLE 0 0 341
APPLE INC COM 037833100 1,309,922 7,768 SH SOLE 0 0 7,768
BAXTER INTL INC COM 071813109 204,809 2,384 SH SOLE 0 0 2,384
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 351,692 1,102 SH SOLE 0 0 1,102
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,467,536 16,487 SH SOLE 0 0 16,487
CAPITAL ONE FINL CORP COM 14040H105 679,837 4,358 SH SOLE 0 0 4,358
CARTER BANKSHARES INC COM NEW 146103106 322,822 20,575 SH SOLE 0 0 20,575
CSX CORP COM 126408103 569,025 17,052 SH SOLE 0 0 17,052
CVS HEALTH CORP COM 126650100 652,959 6,264 SH SOLE 0 0 6,264
DANAHER CORPORATION COM 235851102 511,238 1,875 SH SOLE 0 0 1,875
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 288,516 8,250 SH SOLE 0 0 8,250
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 606,347 22,309 SH SOLE 0 0 22,309
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 952,147 20,667 SH SOLE 0 0 20,667
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 747,426 29,015 SH SOLE 0 0 29,015
DOMINION ENERGY INC COM 25746U109 383,617 4,851 SH SOLE 0 0 4,851
EDWARDS LIFESCIENCES CORP COM 28176E108 1,262,656 11,584 SH SOLE 0 0 11,584
EXXON MOBIL CORP COM 30231G102 1,007,919 12,566 SH SOLE 0 0 12,566
FERGUSON PLC NEW SHS G3421J106 1,025,391 6,933 SH SOLE 0 0 6,933
GENERAL ELECTRIC CO COM NEW 369604301 462,831 4,780 SH SOLE 0 0 4,780
HESS CORP COM 42809H107 475,132 4,939 SH SOLE 0 0 4,939
ISHARES TR COHEN STEER REIT 464287564 229,848 3,446 SH SOLE 0 0 3,446
ISHARES TR CORE MSCI EAFE 46432F842 203,290 2,843 SH SOLE 0 0 2,843
ISHARES TR MSCI EAFE ETF 464287465 890,312 11,764 SH SOLE 0 0 11,764
ISHARES TR EAFE SML CP ETF 464288273 3,179,329 46,549 SH SOLE 0 0 46,549
ISHARES INC CORE MSCI EMKT 46434G103 285,875 4,810 SH SOLE 0 0 4,810
ISHARES TR MSCI EMG MKT ETF 464287234 321,308 6,595 SH SOLE 0 0 6,595
ISHARES TR RUS 1000 GRW ETF 464287614 778,213 2,896 SH SOLE 0 0 2,896
ISHARES TR RUS 1000 VAL ETF 464287598 444,006 2,710 SH SOLE 0 0 2,710
ISHARES TR RUSSELL 3000 ETF 464287689 228,586 891 SH SOLE 0 0 891
ISHARES TR RUS MD CP GR ETF 464287481 303,324 3,045 SH SOLE 0 0 3,045
ISHARES TR RUS MID CAP ETF 464287499 254,910 3,319 SH SOLE 0 0 3,319
ISHARES TR RUS MDCP VAL ETF 464287473 293,525 2,500 SH SOLE 0 0 2,500
ISHARES TR S&P 500 GRWT ETF 464287309 490,884 6,661 SH SOLE 0 0 6,661
ISHARES TR CORE S&P500 ETF 464287200 533,032 1,205 SH SOLE 0 0 1,205
ISHARES TR S&P 500 VAL ETF 464287408 276,629 1,802 SH SOLE 0 0 1,802
ISHARES TR CORE S&P MCP ETF 464287507 218,580 828 SH SOLE 0 0 828
ISHARES TR CORE S&P SCP ETF 464287804 266,647 2,506 SH SOLE 0 0 2,506
ISHARES TR INTL TREA BD ETF 464288117 211,974 4,367 SH SOLE 0 0 4,367
ISHARES TR CORE INTL AGGR 46435G672 282,839 5,323 SH SOLE 0 0 5,323
ISHARES TR U S EQUITY FACTR 46434V282 1,399,972 32,176 SH SOLE 0 0 32,176
JOHNSON & JOHNSON COM 478160104 401,754 2,396 SH SOLE 0 0 2,396
LOWES COS INC COM 548661107 511,876 2,266 SH SOLE 0 0 2,266
MCDONALDS CORP COM 580135101 288,040 1,129 SH SOLE 0 0 1,129
MICROSOFT CORP COM 594918104 388,273 1,316 SH SOLE 0 0 1,316
NATIONAL BANKSHARES INC VA COM COM 634865109 464,340 12,704 SH SOLE 0 0 12,704
NIKE INC CL B 654106103 1,456,050 10,387 SH SOLE 0 0 10,387
NORFOLK SOUTHN CORP COM 655844108 3,206,520 12,000 SH SOLE 0 0 12,000
PFIZER INC COM 717081103 356,019 7,011 SH SOLE 0 0 7,011
PHILIP MORRIS INTL INC COM 718172109 312,004 2,890 SH SOLE 0 0 2,890
PROCTER AND GAMBLE CO COM 742718109 381,467 2,441 SH SOLE 0 0 2,441
SCHWAB STRATEGIC TR US TIPS ETF 808524870 218,454 3,611 SH SOLE 0 0 3,611
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,792,916 136,784 SH SOLE 0 0 136,784
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,554,180 37,342 SH SOLE 0 0 37,342
SPDR SER TR PRTFLO S&P500 GW 78464A409 644,588 10,092 SH SOLE 0 0 10,092
SPDR SER TR S&P 600 SMCP GRW 78464A201 846,373 10,168 SH SOLE 0 0 10,168
SPDR SER TR PRTFLO S&P500 VL 78464A508 2,444,163 59,396 SH SOLE 0 0 59,396
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,344,645 28,712 SH SOLE 0 0 28,712
STEEL DYNAMICS INC COM 858119100 502,740 8,281 SH SOLE 0 0 8,281
TESLA INC COM 88160R101 344,000 400 SH SOLE 0 0 400
TEXAS PACIFIC LAND CORPORATION COM 88262P102 276,363 250 SH SOLE 0 0 250
TRUIST FINL CORP COM 89832Q109 1,828,549 28,760 SH SOLE 0 0 28,760
UDR INC COM 902653104 929,971 16,829 SH SOLE 0 0 16,829
UNION PAC CORP COM 907818108 310,453 1,300 SH SOLE 0 0 1,300
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,686,915 235,576 SH SOLE 0 0 235,576
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,410,507 8,584 SH SOLE 0 0 8,584
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,048,674 17,522 SH SOLE 0 0 17,522
VANGUARD INDEX FDS GROWTH ETF 922908736 35,703,579 127,745 SH SOLE 0 0 127,745
VANGUARD BD INDEX FDS INTERMED TERM 921937819 3,500,542 41,417 SH SOLE 0 0 41,417
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 25,486,605 518,547 SH SOLE 0 0 518,547
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,906,872 36,439 SH SOLE 0 0 36,439
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 9,847,123 78,040 SH SOLE 0 0 78,040
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,200,382 5,898 SH SOLE 0 0 5,898
VANGUARD INDEX FDS MID CAP ETF 922908629 2,781,380 11,864 SH SOLE 0 0 11,864
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 343,856 1,559 SH SOLE 0 0 1,559
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 11,803,657 114,299 SH SOLE 0 0 114,299
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 225,879 1,053 SH SOLE 0 0 1,053
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 327,456 6,436 SH SOLE 0 0 6,436
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 19,014,880 239,603 SH SOLE 0 0 239,603
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,007,787 4,818 SH SOLE 0 0 4,818
VANGUARD INDEX FDS SML CP GRW ETF 922908595 12,050,658 49,231 SH SOLE 0 0 49,231
VANGUARD INDEX FDS SM CP VAL ETF 922908611 11,932,412 69,129 SH SOLE 0 0 69,129
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 42,741,234 522,956 SH SOLE 0 0 522,956
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 409,023 4,750 SH SOLE 0 0 4,750
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 40,030,684 748,237 SH SOLE 0 0 748,237
VANGUARD STAR FDS VG TL INTL STK F 921909768 393,065 6,363 SH SOLE 0 0 6,363
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,181,540 18,756 SH SOLE 0 0 18,756
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 2,517,840 24,383 SH SOLE 0 0 24,383
VANGUARD WELLINGTON FD US VALUE FACTR 921935805 254,095 2,403 SH SOLE 0 0 2,403
VANGUARD INDEX FDS VALUE ETF 922908744 33,858,697 232,738 SH SOLE 0 0 232,738
WALMART INC COM 931142103 221,400 1,636 SH SOLE 0 0 1,636