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 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