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
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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 Laboratories Com 002824100 770,230 7,502 SH SOLE 0 7,502 0 0
Abbvie Inc Com 00287Y109 317,100 1,458 SH SOLE 0 1,363 0 95
Alphabet Inc Class C Com 02079K107 2,446,342 8,528 SH SOLE 0 6,858 0 1,670
Alphabet Inc Class A Com 02079K305 1,508,540 5,246 SH SOLE 0 4,346 0 900
Amazon Com Inc Com 023135106 2,634,616 12,650 SH SOLE 0 9,885 0 2,765
American Tower Com REIT Com 03027X100 761,768 4,414 SH SOLE 0 4,088 0 326
American Water Works Company Com 030420103 855,870 6,289 SH SOLE 0 6,289 0 0
Amgen Inc. Com 031162100 434,535 1,235 SH SOLE 0 1,235 0 0
APA Corporation Com 03743Q108 239,616 5,646 SH SOLE 0 5,646 0 0
Apple Inc Com 037833100 2,553,127 10,060 SH SOLE 0 7,885 0 2,175
Autodesk, Inc. Com 052769106 663,377 2,771 SH SOLE 0 2,771 0 0
AvalonBay Communities Com 053484101 473,715 2,900 SH SOLE 0 2,900 0 0
Baker Hughes Company Com 05722G100 984,798 16,131 SH SOLE 0 16,131 0 0
Bank Amer Corp Com 060505104 910,845 18,684 SH SOLE 0 18,684 0 0
Berkshire Hathaway Inc Cl B Com 084670702 664,650 1,387 SH SOLE 0 986 0 401
BlackRock Inc. Com 09290D101 361,603 376 SH SOLE 0 376 0 0
Boeing Co Com 097023105 708,746 3,561 SH SOLE 0 3,421 0 140
Broadcom Inc Com 11135F101 236,466 764 SH SOLE 0 719 0 45
Cigna Group Com 125523100 514,828 1,930 SH SOLE 0 1,930 0 0
Canadian Natl Ry Co Com 136375102 686,709 6,682 SH SOLE 0 5,997 0 685
Caterpillar Inc Com 149123101 218,206 308 SH SOLE 0 308 0 0
Chevron Corporation Com 166764100 667,046 3,224 SH SOLE 0 3,032 0 192
Cisco Systems Com 17275R102 547,010 7,050 SH SOLE 0 7,050 0 0
Coca Cola Co Com 191216100 446,718 5,874 SH SOLE 0 5,874 0 0
Constellation Brands Inc Cl A Com 21036P108 379,200 2,528 SH SOLE 0 2,528 0 0
Digital Rlty Tr Inc Com 253868103 272,297 1,511 SH SOLE 0 1,511 0 0
Dimensional World Ex US Core Equity 2 ETF Com 25434V880 379,683 11,177 SH SOLE 0 0 0 11,177
Eastman Chemical Co. Com 277432100 495,622 6,494 SH SOLE 0 6,494 0 0
Exxon-Mobil Corp Com 30231G102 778,061 4,586 SH SOLE 0 4,586 0 0
Meta Platforms Inc Com 30303M102 450,838 788 SH SOLE 0 788 0 0
General Dynamics Corp Com 369550108 210,394 613 SH SOLE 0 613 0 0
Goldman Sachs Group Inc. Com 38141G104 560,045 662 SH SOLE 0 662 0 0
HCA Healthcare Inc Com 40412C101 632,249 1,336 SH SOLE 0 1,336 0 0
Hewlett Packard Enterprise Co Com 42824C109 234,171 9,835 SH SOLE 0 9,835 0 0
Home Depot Inc Com 437076102 693,629 2,109 SH SOLE 0 1,709 0 400
Intercontinental Exchange Inc Com 45866F104 246,300 1,566 SH SOLE 0 1,566 0 0
Invesco QQQ Tr Series 1 Com 46090E103 566,214 981 SH SOLE 0 981 0 0
iShares Select Dividend ETF Com 464287168 244,830 1,617 SH SOLE 0 1,617 0 0
iShares Core S P 500 ETF Com 464287200 501,665 768 SH SOLE 0 733 0 35
iShares MSCI Emerging Markets Com 464287234 561,426 9,886 SH SOLE 0 9,886 0 0
iShares 20 Year Treasury Bond ETF Com 464287432 225,394 2,600 SH SOLE 0 2,600 0 0
iShares MSCI EAFE Index Fund Com 464287465 2,736,346 28,172 SH SOLE 0 28,172 0 0
iShares Russell Midcap Growth Index Fund Com 464287481 987,421 7,707 SH SOLE 0 7,707 0 0
iShares Russell MidCap Index Fund Com 464287499 488,678 5,026 SH SOLE 0 5,026 0 0
iShares TR Core S&P Mid-Cap ETF Com 464287507 610,809 9,045 SH SOLE 0 375 0 8,670
iShares Tr Russell 2000 Index Com 464287655 601,648 2,426 SH SOLE 0 2,061 0 365
iShares Core S&P US Value ETF Com 464287663 7,542,471 73,765 SH SOLE 0 73,765 0 0
iShares Tr Natl Mun Bd ETF Com 464288414 484,999 4,569 SH SOLE 0 4,569 0 0
iShares Preferred & Income Secs ETF Com 464288687 693,085 22,859 SH SOLE 0 22,859 0 0
iShares MCSI EAFE Value Index Fund Com 464288877 202,604 2,725 SH SOLE 0 875 0 1,850
iShares U.S. Treasury Bond ETF Com 46429B267 561,203 24,496 SH SOLE 0 0 0 24,496
Ishares Tr/0-5 Yr Tips Bd ETF Com 46429B747 741,800 7,172 SH SOLE 0 7,172 0 0
iShares Core MSCI Total Instl Stk ETF Com 46432F834 815,889 9,417 SH SOLE 0 0 0 9,417
iShares Core MSCI EAFE ETF Com 46432F842 382,942 4,230 SH SOLE 0 2,995 0 1,235
iShares Core MSCI Emerging Markets ETF Com 46434G103 482,042 6,911 SH SOLE 0 715 0 6,196
JP Morgan Chase & Co Com 46625H100 1,464,623 4,979 SH SOLE 0 4,504 0 475
Johnson & Johnson Com 478160104 506,480 2,072 SH SOLE 0 1,792 0 280
KKR & Co Inc Com 48251W104 484,700 5,240 SH SOLE 0 5,240 0 0
L3Harris Technologies Inc Com 502431109 312,706 906 SH SOLE 0 906 0 0
Lennar Corporation Com 526057104 562,723 6,480 SH SOLE 0 6,480 0 0
Lilly Eli & Co Com 532457108 15,678,399 17,046 SH SOLE 0 17,046 0 0
Lockheed Martin Corp Com Com 539830109 1,065,540 1,763 SH SOLE 0 1,763 0 0
Markel Corp Com 570535104 218,204 114 SH SOLE 0 0 0 114
Mastercard Inc Cl A Com 57636Q104 311,288 623 SH SOLE 0 623 0 0
McDonalds Corp Com 580135101 563,151 1,812 SH SOLE 0 1,812 0 0
Merck & Co Inc New Com 58933Y105 1,391,394 11,567 SH SOLE 0 11,567 0 0
Microsoft Corporation Com 594918104 2,918,420 7,884 SH SOLE 0 6,950 0 934
Mondelez Intl Inc Com 609207105 553,863 9,609 SH SOLE 0 9,164 0 445
NOV Inc Com 62955J103 1,373,788 73,035 SH SOLE 0 73,035 0 0
NextEra Energy Inc Com 65339F101 491,800 5,295 SH SOLE 0 5,295 0 0
Norfolk Southern Corp Com 655844108 365,351 1,273 SH SOLE 0 1,048 0 225
Nvidia Corp. Com 67066G104 1,631,861 9,357 SH SOLE 0 7,802 0 1,555
Oracle Corporation Com 68389X105 235,670 1,602 SH SOLE 0 1,602 0 0
Otis Worldwide Corp Com 68902V107 519,828 6,744 SH SOLE 0 6,652 0 92
Paypal Hldgs Inc Com 70450Y103 633,401 14,004 SH SOLE 0 14,004 0 0
Pepsico Inc Com 713448108 1,021,653 6,579 SH SOLE 0 6,004 0 575
Pfizer Inc. Com 717081103 945,369 33,667 SH SOLE 0 33,667 0 0
Procter & Gamble Co Com 742718109 543,961 3,766 SH SOLE 0 3,766 0 0
RTX Corp Com 75513E101 856,090 4,438 SH SOLE 0 4,253 0 185
State Street SPDR S&P 500 ETF Trust Com 78462F103 8,754,877 13,462 SH SOLE 0 11,376 0 2,086
Spdr Gold Trust Com 78463V107 257,313 598 SH SOLE 0 598 0 0
State Street SPDR S&P 600 Small Cap Value ETF Com 78464A300 3,172,970 33,548 SH SOLE 0 33,548 0 0
State Street SPDR S&P 500 Growth ETF Com 78464A409 6,015,590 61,440 SH SOLE 0 61,440 0 0
State Street SPDR S&P 400 Mid Cap Value ETF Com 78464A839 4,023,338 47,250 SH SOLE 0 47,250 0 0
Salesforce.Com Com 79466L302 769,454 4,122 SH SOLE 0 4,122 0 0
SLB Limited Com 806857108 957,139 18,625 SH SOLE 0 18,625 0 0
Schwab Charles Corp Com 808513105 861,421 9,166 SH SOLE 0 9,166 0 0
Schwab Fundamental Intl Equity ETF Com 808524755 6,555,984 133,987 SH SOLE 0 133,987 0 0
Schwab Fundamental US Large ETF Com 808524771 387,672 13,920 SH SOLE 0 0 0 13,920
Servicenow Inc Com 81762P102 749,728 7,171 SH SOLE 0 7,171 0 0
Snap-On Inc. Com 833034101 263,698 726 SH SOLE 0 726 0 0
TJX Companies Inc Com 872540109 686,550 4,299 SH SOLE 0 3,886 0 413
T-Mobile US Com 872590104 500,922 2,385 SH SOLE 0 2,385 0 0
Thermo Fisher Scientific, Inc. Com 883556102 358,817 730 SH SOLE 0 730 0 0
Travelers Cos Inc. Com 89417E109 479,230 1,643 SH SOLE 0 1,643 0 0
Truist Finl Corp Com 89832Q109 701,364 15,257 SH SOLE 0 15,257 0 0
United Parcel Service Inc Com 911312106 777,792 7,906 SH SOLE 0 7,906 0 0
Unitedhealth Group Inc Com 91324P102 205,107 758 SH SOLE 0 458 0 300
Vanguard FTSE Developed Markets ETF Com 921943858 302,586 4,722 SH SOLE 0 3,322 0 1,400
Vanguard FTSE Emerging Mkt MFC Com 922042858 952,793 17,628 SH SOLE 0 15,687 0 1,941
Vanguard MSCI Europe ETF Com 922042874 744,178 9,028 SH SOLE 0 9,028 0 0
Vanguard Index Funds S & P 500 ETF Com 922908363 273,678 458 SH SOLE 0 458 0 0
Vanguard REIT ETF Com 922908553 441,460 4,977 SH SOLE 0 4,977 0 0
Vanguard Mid-Cap Etf Com 922908629 523,242 1,822 SH SOLE 0 1,822 0 0
Vanguard Small Cap ETF Com 922908751 1,757,483 6,710 SH SOLE 0 6,500 0 210
Visa Com 92826C839 751,066 2,485 SH SOLE 0 1,347 0 1,138
Walmart Inc Com 931142103 473,880 3,813 SH SOLE 0 3,813 0 0
WisdomTree Emerging Markets ETF Com 97717W315 1,822,083 36,669 SH SOLE 0 36,669 0 0