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 291,132 1,652 SH SOLE 0 0 1,652
ALPHABET INC CAP STK CL C 02079K107 231,494 1,305 SH SOLE 0 0 1,305
AMAZON COM INC COM 023135106 220,926 1,007 SH SOLE 0 0 1,007
APPLE INC COM 037833100 591,300 2,882 SH SOLE 0 0 2,882
BANK OF THE JAMES FINL GP IN COM 470299108 183,160 13,027 SH SOLE 0 0 13,027
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 526,002 15,480 SH SOLE 0 0 15,480
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 419,220 863 SH SOLE 0 0 863
CAPITAL ONE FINL CORP COM 14040H105 397,862 1,870 SH SOLE 0 0 1,870
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 584,782 12,782 SH SOLE 0 0 12,782
GE AEROSPACE COM NEW 369604301 223,158 867 SH SOLE 0 0 867
GOLDMAN SACHS GROUP INC COM 38141G104 228,604 323 SH SOLE 0 0 323
ISHARES INC CORE MSCI EMKT 46434G103 234,838 3,912 SH SOLE 0 0 3,912
ISHARES TR GLOBAL FINLS ETF 464287333 263,198 2,375 SH SOLE 0 0 2,375
ISHARES TR RUS 1000 GRW ETF 464287614 563,658 1,328 SH SOLE 0 0 1,328
ISHARES TR ESG AWR MSCI USA 46435G425 443,108 3,275 SH SOLE 0 0 3,275
ISHARES TR MSCI EAFE ETF 464287465 211,318 2,364 SH SOLE 0 0 2,364
ISHARES TR GLOBAL TECH ETF 464287291 458,746 4,968 SH SOLE 0 0 4,968
ISHARES TR CORE MSCI EAFE 46432F842 501,465 6,007 SH SOLE 0 0 6,007
ISHARES TR CORE MSCI TOTAL 46432F834 18,018,335 233,066 SH SOLE 0 0 233,066
ISHARES TR CORE S&P TTL STK 464287150 25,339,645 187,645 SH SOLE 0 0 187,645
JPMORGAN CHASE & CO. COM 46625H100 446,752 1,541 SH SOLE 0 0 1,541
META PLATFORMS INC CL A 30303M102 216,261 293 SH SOLE 0 0 293
MICROSOFT CORP COM 594918104 939,608 1,889 SH SOLE 0 0 1,889
ORACLE CORP COM 68389X105 200,703 918 SH SOLE 0 0 918
RTX CORPORATION COM 75513E101 236,553 1,620 SH SOLE 0 0 1,620
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 3,099,113 14,260 SH SOLE 0 0 14,260
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 729,419 8,932 SH SOLE 0 0 8,932
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 3,503,636 66,902 SH SOLE 0 0 66,902
SELECT SECTOR SPDR TR ENERGY 81369Y506 731,142 8,621 SH SOLE 0 0 8,621
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 694,677 7,911 SH SOLE 0 0 7,911
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,380,203 17,046 SH SOLE 0 0 17,046
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,984,483 18,285 SH SOLE 0 0 18,285
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 9,781,878 38,628 SH SOLE 0 0 38,628
SELECT SECTOR SPDR TR INDL 81369Y704 2,926,427 19,837 SH SOLE 0 0 19,837
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,837,107 21,048 SH SOLE 0 0 21,048
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 544,322 13,142 SH SOLE 0 0 13,142
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,023,977 3,276 SH SOLE 0 0 3,276
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 803,836 1,419 SH SOLE 0 0 1,419
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 238,947 1,055 SH SOLE 0 0 1,055
TARGA RES CORP COM 87612G101 324,312 1,863 SH SOLE 0 0 1,863
TESLA INC COM 88160R101 850,694 2,678 SH SOLE 0 0 2,678
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 1,727,314 34,640 SH SOLE 0 0 34,640
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,257,318 4,407 SH SOLE 0 0 4,407
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,818,265 3,201 SH SOLE 0 0 3,201
VANGUARD INDEX FDS TOTAL STK MKT 922908769 16,679,854 54,881 SH SOLE 0 0 54,881
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 439,868 4,939 SH SOLE 0 0 4,939
VANGUARD INDEX FDS MID CAP ETF 922908629 439,613 1,571 SH SOLE 0 0 1,571
VANGUARD INDEX FDS VALUE ETF 922908744 211,028 1,194 SH SOLE 0 0 1,194
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 4,985,857 25,872 SH SOLE 0 0 25,872
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,247,203 18,554 SH SOLE 0 0 18,554
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 358,862 2,792 SH SOLE 0 0 2,792
VANGUARD STAR FDS VG TL INTL STK F 921909768 9,344,741 135,255 SH SOLE 0 0 135,255
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,104,626 19,376 SH SOLE 0 0 19,376
VANGUARD WORLD FD FINANCIALS ETF 92204A405 2,404,570 18,889 SH SOLE 0 0 18,889
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 1,811,889 7,296 SH SOLE 0 0 7,296
VANGUARD WORLD FD COMM SRVC ETF 92204A884 2,030,298 11,871 SH SOLE 0 0 11,871
VANGUARD WORLD FD INF TECH ETF 92204A702 4,303,361 6,488 SH SOLE 0 0 6,488
VANGUARD WORLD FD ENERGY ETF 92204A306 624,144 5,240 SH SOLE 0 0 5,240
VANGUARD WORLD FD CONSUM STP ETF 92204A207 1,110,931 5,073 SH SOLE 0 0 5,073
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 1,284,121 4,585 SH SOLE 0 0 4,585
VANGUARD WORLD FD MATERIALS ETF 92204A801 303,935 1,560 SH SOLE 0 0 1,560
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 1,578,991 4,358 SH SOLE 0 0 4,358
VANGUARD WORLD FD UTILITIES ETF 92204A876 375,084 2,125 SH SOLE 0 0 2,125
VERIZON COMMUNICATIONS INC COM 92343V104 297,265 6,870 SH SOLE 0 0 6,870
VISA INC COM CL A 92826C839 290,076 817 SH SOLE 0 0 817