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
ABBOTT LABS COM 002824100 427,711 3,145 SH SOLE 0 0 3,145
ABBVIE INC COM 00287Y109 244,342 1,316 SH SOLE 0 0 1,316
ALPHABET INC CAP STK CL A 02079K305 431,551 2,449 SH SOLE 0 0 2,449
ALPHABET INC CAP STK CL C 02079K107 457,711 2,580 SH SOLE 0 0 2,580
AMAZON COM INC COM 023135106 1,345,299 6,132 SH SOLE 0 0 6,132
APPLE INC COM 037833100 1,339,298 6,528 SH SOLE 0 0 6,528
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 810,750 1,669 SH SOLE 0 0 1,669
BROADCOM INC COM 11135F101 401,622 1,457 SH SOLE 0 0 1,457
CAPITAL ONE FINL CORP COM 14040H105 328,714 1,545 SH SOLE 0 0 1,545
CARDINAL HEALTH INC COM 14149Y108 363,384 2,163 SH SOLE 0 0 2,163
CARTER BANKSHARES INC COM NEW 146103106 252,245 14,547 SH SOLE 0 0 14,547
CHEVRON CORP COM 166764100 304,263 2,125 SH SOLE 0 0 2,125
CSX CORP COM 126408103 516,076 15,816 SH SOLE 0 0 15,816
CVS HEALTH CORP COM 126650100 406,154 5,888 SH SOLE 0 0 5,888
DANAHER CORPORATION COM 235851102 370,388 1,875 SH SOLE 0 0 1,875
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 421,185 14,549 SH SOLE 0 0 14,549
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 368,031 12,333 SH SOLE 0 0 12,333
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 408,668 9,542 SH SOLE 0 0 9,542
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 752,660 21,001 SH SOLE 0 0 21,001
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,026,101 19,016 SH SOLE 0 0 19,016
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 366,374 12,449 SH SOLE 0 0 12,449
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 798,006 27,171 SH SOLE 0 0 27,171
EDWARDS LIFESCIENCES CORP COM 28176E108 905,985 11,584 SH SOLE 0 0 11,584
EXXON MOBIL CORP COM 30231G102 1,360,759 12,623 SH SOLE 0 0 12,623
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107 1,078,734 4,954 SH SOLE 0 0 4,954
GE AEROSPACE COM NEW 369604301 657,812 2,556 SH SOLE 0 0 2,556
GE VERNOVA INC COM 36828A101 488,830 924 SH SOLE 0 0 924
HESS CORP COM 42809H107 622,876 4,496 SH SOLE 0 0 4,496
ISHARES TR CORE INTL AGGR 46435G672 2,940,971 57,565 SH SOLE 0 0 57,565
ISHARES TR CORE MSCI EAFE 46432F842 742,365 8,893 SH SOLE 0 0 8,893
ISHARES INC CORE MSCI EMKT 46434G103 208,534 3,474 SH SOLE 0 0 3,474
ISHARES TR CORE S&P500 ETF 464287200 879,326 1,416 SH SOLE 0 0 1,416
ISHARES TR CORE S&P MCP ETF 464287507 337,061 5,435 SH SOLE 0 0 5,435
ISHARES TR CORE S&P SCP ETF 464287804 250,738 2,294 SH SOLE 0 0 2,294
ISHARES TR CORE US AGGBD ET 464287226 562,586 5,671 SH SOLE 0 0 5,671
ISHARES TR MSCI EAFE ETF 464287465 988,680 11,060 SH SOLE 0 0 11,060
ISHARES TR EAFE SML CP ETF 464288273 3,705,960 50,997 SH SOLE 0 0 50,997
ISHARES TR MSCI EMG MKT ETF 464287234 258,109 5,351 SH SOLE 0 0 5,351
ISHARES TR NATIONAL MUN ETF 464288414 4,651,098 44,517 SH SOLE 0 0 44,517
ISHARES TR RUS 1000 GRW ETF 464287614 1,630,540 3,840 SH SOLE 0 0 3,840
ISHARES TR RUS 1000 VAL ETF 464287598 806,309 4,151 SH SOLE 0 0 4,151
ISHARES TR RUS 2000 VAL ETF 464287630 200,422 1,270 SH SOLE 0 0 1,270
ISHARES TR RUSSELL 3000 ETF 464287689 214,461 611 SH SOLE 0 0 611
ISHARES TR RUS MD CP GR ETF 464287481 471,996 3,403 SH SOLE 0 0 3,403
ISHARES TR RUS MDCP VAL ETF 464287473 384,527 2,910 SH SOLE 0 0 2,910
ISHARES TR S&P 500 GRWT ETF 464287309 395,522 3,592 SH SOLE 0 0 3,592
ISHARES TR S&P 500 VAL ETF 464287408 267,433 1,369 SH SOLE 0 0 1,369
ISHARES TR SHRT NAT MUN ETF 464288158 9,724,877 91,451 SH SOLE 0 0 91,451
ISHARES TR U S EQUITY FACTR 46434V282 1,247,257 19,449 SH SOLE 0 0 19,449
JOHNSON & JOHNSON COM 478160104 410,831 2,690 SH SOLE 0 0 2,690
LOWES COS INC COM 548661107 521,168 2,349 SH SOLE 0 0 2,349
MCDONALDS CORP COM 580135101 471,023 1,612 SH SOLE 0 0 1,612
META PLATFORMS INC CL A 30303M102 455,402 617 SH SOLE 0 0 617
MICROSOFT CORP COM 594918104 1,277,621 2,569 SH SOLE 0 0 2,569
NATIONAL BANKSHARES INC VA COM COM 634865109 435,495 16,011 SH SOLE 0 0 16,011
NIKE INC CL B 654106103 566,609 7,976 SH SOLE 0 0 7,976
NORFOLK SOUTHN CORP COM 655844108 2,260,983 8,833 SH SOLE 0 0 8,833
PFIZER INC COM 717081103 208,568 8,604 SH SOLE 0 0 8,604
PHILIP MORRIS INTL INC COM 718172109 458,057 2,515 SH SOLE 0 0 2,515
PROCTER AND GAMBLE CO COM 742718109 641,005 4,023 SH SOLE 0 0 4,023
RTX CORPORATION COM 75513E101 227,645 1,559 SH SOLE 0 0 1,559
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 301,791 12,986 SH SOLE 0 0 12,986
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 230,928 1,600 SH SOLE 0 0 1,600
SOUTHERN CO COM 842587107 219,106 2,386 SH SOLE 0 0 2,386
SPDR SER TR PORTFOLIO AGRGTE 78464A649 2,559,610 99,985 SH SOLE 0 0 99,985
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 11,613,089 286,814 SH SOLE 0 0 286,814
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,964,971 69,372 SH SOLE 0 0 69,372
SPDR SER TR PRTFLO S&P500 GW 78464A409 4,122,104 43,245 SH SOLE 0 0 43,245
SPDR SER TR PRTFLO S&P500 VL 78464A508 4,074,573 77,848 SH SOLE 0 0 77,848
SPDR SER TR PORTFOLIO SH TSR 78468R101 1,401,908 47,863 SH SOLE 0 0 47,863
SPDR S&P 500 ETF TR TR UNIT 78462F103 567,503 919 SH SOLE 0 0 919
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,640,362 18,483 SH SOLE 0 0 18,483
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,483,412 31,136 SH SOLE 0 0 31,136
STEEL DYNAMICS INC COM 858119100 914,375 7,143 SH SOLE 0 0 7,143
TESLA INC COM 88160R101 972,357 3,061 SH SOLE 0 0 3,061
TEXAS PACIFIC LAND CORPORATION COM 88262P102 754,262 714 SH SOLE 0 0 714
TRUIST FINL CORP COM 89832Q109 636,596 14,808 SH SOLE 0 0 14,808
UDR INC COM 902653104 504,985 12,368 SH SOLE 0 0 12,368
UNION PAC CORP COM 907818108 276,096 1,200 SH SOLE 0 0 1,200
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 3,115,628 16,167 SH SOLE 0 0 16,167
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,949,144 28,996 SH SOLE 0 0 28,996
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 14,386,757 107,052 SH SOLE 0 0 107,052
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 44,387,624 778,594 SH SOLE 0 0 778,594
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,129,943 305,905 SH SOLE 0 0 305,905
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,364,200 29,568 SH SOLE 0 0 29,568
VANGUARD INDEX FDS GROWTH ETF 922908736 62,300,439 142,109 SH SOLE 0 0 142,109
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,387,993 17,947 SH SOLE 0 0 17,947
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 6,663,806 80,364 SH SOLE 0 0 80,364
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,528,707 8,863 SH SOLE 0 0 8,863
VANGUARD INDEX FDS MID CAP ETF 922908629 4,003,847 14,308 SH SOLE 0 0 14,308
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 391,864 1,378 SH SOLE 0 0 1,378
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 221,819 1,349 SH SOLE 0 0 1,349
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 13,653,803 153,331 SH SOLE 0 0 153,331
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,030,390 10,616 SH SOLE 0 0 10,616
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 35,325,628 448,864 SH SOLE 0 0 448,864
VANGUARD INDEX FDS SM CP VAL ETF 922908611 19,612,757 100,573 SH SOLE 0 0 100,573
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,644,911 6,941 SH SOLE 0 0 6,941
VANGUARD INDEX FDS SML CP GRW ETF 922908595 18,435,356 66,568 SH SOLE 0 0 66,568
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 11,678,568 238,192 SH SOLE 0 0 238,192
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 66,269,070 900,028 SH SOLE 0 0 900,028
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 50,519,646 1,020,401 SH SOLE 0 0 1,020,401
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,323,737 19,160 SH SOLE 0 0 19,160
VANGUARD INDEX FDS TOTAL STK MKT 922908769 10,992,791 36,169 SH SOLE 0 0 36,169
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 2,692,442 20,019 SH SOLE 0 0 20,019
VANGUARD INDEX FDS VALUE ETF 922908744 53,119,125 300,550 SH SOLE 0 0 300,550
WALMART INC COM 931142103 609,267 6,231 SH SOLE 0 0 6,231
WILLIAMS COS INC COM 969457100 254,066 4,045 SH SOLE 0 0 4,045