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 287,343 2,799 SH SOLE 0 0 2,799
ABBVIE INC COM 00287Y109 286,382 1,317 SH SOLE 0 0 1,317
ALPHABET INC CAP STK CL A 02079K305 675,502 2,349 SH SOLE 0 0 2,349
ALPHABET INC CAP STK CL C 02079K107 784,724 2,736 SH SOLE 0 0 2,736
ALTRIA GROUP INC COM 02209S103 224,366 3,400 SH SOLE 0 0 3,400
AMAZON COM INC COM 023135106 1,188,597 5,707 SH SOLE 0 0 5,707
APPLE INC COM 037833100 1,559,749 6,146 SH SOLE 0 0 6,146
ATLANTIC UN BANKSHARES CORP COM 04911A107 223,385 6,250 SH SOLE 0 0 6,250
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 802,181 1,674 SH SOLE 0 0 1,674
BROADCOM INC COM 11135F101 344,175 1,112 SH SOLE 0 0 1,112
CAPITAL ONE FINL CORP COM 14040H105 281,854 1,545 SH SOLE 0 0 1,545
CARDINAL HEALTH INC COM 14149Y108 457,064 2,163 SH SOLE 0 0 2,163
CARTER BANKSHARES INC COM NEW 146103106 291,966 12,520 SH SOLE 0 0 12,520
CHEVRON CORP COM 166764100 1,579,364 7,633 SH SOLE 0 0 7,633
CORNING INC COM 219350105 493,707 3,631 SH SOLE 0 0 3,631
CSX CORP COM 126408103 649,247 15,816 SH SOLE 0 0 15,816
CVS HEALTH CORP COM 126650100 422,876 5,888 SH SOLE 0 0 5,888
DANAHER CORPORATION COM 235851102 370,034 1,954 SH SOLE 0 0 1,954
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 594,039 17,544 SH SOLE 0 0 17,544
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 315,564 8,100 SH SOLE 0 0 8,100
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 417,878 12,411 SH SOLE 0 0 12,411
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 461,031 8,735 SH SOLE 0 0 8,735
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 764,978 15,960 SH SOLE 0 0 15,960
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 812,166 20,900 SH SOLE 0 0 20,900
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,195,164 19,138 SH SOLE 0 0 19,138
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 201,438 8,517 SH SOLE 0 0 8,517
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 503,253 14,362 SH SOLE 0 0 14,362
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 846,324 24,914 SH SOLE 0 0 24,914
EDWARDS LIFESCIENCES CORP COM 28176E108 927,647 11,584 SH SOLE 0 0 11,584
EXXON MOBIL CORP COM 30231G102 2,141,618 12,623 SH SOLE 0 0 12,623
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107 1,173,998 5,033 SH SOLE 0 0 5,033
GE AEROSPACE COM NEW 369604301 779,333 2,746 SH SOLE 0 0 2,746
GE VERNOVA INC COM 36828A101 866,550 993 SH SOLE 0 0 993
ISHARES TR CORE 80/20 AGGRE 464289859 258,297 2,919 SH SOLE 0 0 2,919
ISHARES TR CORE INTL AGGR 46435G672 3,102,513 62,001 SH SOLE 0 0 62,001
ISHARES TR CORE MSCI EAFE 46432F842 819,831 9,056 SH SOLE 0 0 9,056
ISHARES INC CORE MSCI EMKT 46434G103 273,723 3,924 SH SOLE 0 0 3,924
ISHARES TR CORE S&P500 ETF 464287200 925,553 1,417 SH SOLE 0 0 1,417
ISHARES TR CORE S&P MCP ETF 464287507 379,297 5,617 SH SOLE 0 0 5,617
ISHARES TR CORE S&P SCP ETF 464287804 399,913 3,217 SH SOLE 0 0 3,217
ISHARES TR CORE US AGGBD ET 464287226 567,183 5,714 SH SOLE 0 0 5,714
ISHARES TR MSCI EAFE ETF 464287465 1,086,169 11,183 SH SOLE 0 0 11,183
ISHARES TR EAFE SML CP ETF 464288273 3,908,820 49,851 SH SOLE 0 0 49,851
ISHARES TR MSCI EMG MKT ETF 464287234 340,241 5,991 SH SOLE 0 0 5,991
ISHARES TR MSCI INT QUALITY 46434V456 328,048 7,096 SH SOLE 0 0 7,096
ISHARES TR NATIONAL MUN ETF 464288414 6,830,399 64,347 SH SOLE 0 0 64,347
ISHARES TR RUS 1000 GRW ETF 464287614 1,412,401 3,312 SH SOLE 0 0 3,312
ISHARES TR RUS 1000 VAL ETF 464287598 889,953 4,165 SH SOLE 0 0 4,165
ISHARES TR RUS 2000 VAL ETF 464287630 239,097 1,261 SH SOLE 0 0 1,261
ISHARES TR RUSSELL 3000 ETF 464287689 226,485 611 SH SOLE 0 0 611
ISHARES TR RUS MD CP GR ETF 464287481 410,563 3,205 SH SOLE 0 0 3,205
ISHARES TR RUS MDCP VAL ETF 464287473 425,022 2,916 SH SOLE 0 0 2,916
ISHARES TR S&P 500 GRWT ETF 464287309 396,944 3,509 SH SOLE 0 0 3,509
ISHARES TR S&P 500 VAL ETF 464287408 287,398 1,361 SH SOLE 0 0 1,361
ISHARES TR SHRT NAT MUN ETF 464288158 10,884,421 102,201 SH SOLE 0 0 102,201
ISHARES SILVER TR ISHARES 46428Q109 274,264 4,025 SH SOLE 0 0 4,025
ISHARES TR U S EQUITY FACTR 46434V282 1,248,525 18,917 SH SOLE 0 0 18,917
JOHNSON & JOHNSON COM 478160104 651,836 2,667 SH SOLE 0 0 2,667
LOWES COS INC COM 548661107 566,801 2,399 SH SOLE 0 0 2,399
MCDONALDS CORP COM 580135101 438,883 1,412 SH SOLE 0 0 1,412
META PLATFORMS INC CL A 30303M102 357,009 624 SH SOLE 0 0 624
MICROSOFT CORP COM 594918104 970,813 2,623 SH SOLE 0 0 2,623
MONDELEZ INTL INC CL A 609207105 213,671 3,707 SH SOLE 0 0 3,707
NATIONAL BANKSHARES INC VA COM COM 634865109 780,297 21,431 SH SOLE 0 0 21,431
NIKE INC CL B 654106103 421,288 7,976 SH SOLE 0 0 7,976
NORFOLK SOUTHN CORP COM 655844108 2,690,912 9,376 SH SOLE 0 0 9,376
PEPSICO INC COM 713448108 203,216 1,309 SH SOLE 0 0 1,309
PFIZER INC COM 717081103 241,608 8,604 SH SOLE 0 0 8,604
PHILIP MORRIS INTL INC COM 718172109 672,272 4,066 SH SOLE 0 0 4,066
PROCTER AND GAMBLE CO COM 742718109 591,889 4,098 SH SOLE 0 0 4,098
RTX CORPORATION COM 75513E101 304,203 1,577 SH SOLE 0 0 1,577
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 387,226 13,904 SH SOLE 0 0 13,904
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 310,837 13,387 SH SOLE 0 0 13,387
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 626,816 1,600 SH SOLE 0 0 1,600
SOUTHERN CO COM 842587107 230,297 2,386 SH SOLE 0 0 2,386
SPDR SER TR PORTFOLIO AGRGTE 78464A649 2,696,111 105,235 SH SOLE 0 0 105,235
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 13,237,373 289,975 SH SOLE 0 0 289,975
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,342,857 71,261 SH SOLE 0 0 71,261
SPDR SER TR PRTFLO S&P500 GW 78464A409 4,193,176 42,827 SH SOLE 0 0 42,827
SPDR SER TR PRTFLO S&P500 VL 78464A508 3,969,512 70,158 SH SOLE 0 0 70,158
SPDR SER TR PORTFOLIO SH TSR 78468R101 1,458,380 49,979 SH SOLE 0 0 49,979
SPDR S&P 500 ETF TR TR UNIT 78462F103 600,338 923 SH SOLE 0 0 923
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,805,871 18,690 SH SOLE 0 0 18,690
SPDR SER TR S&P 600 SMCP VAL 78464A300 3,000,140 31,721 SH SOLE 0 0 31,721
STEEL DYNAMICS INC COM 858119100 1,193,760 6,632 SH SOLE 0 0 6,632
TESLA INC COM 88160R101 1,139,786 3,066 SH SOLE 0 0 3,066
TEXAS PACIFIC LAND CORPORATION COM 88262P102 1,016,508 2,142 SH SOLE 0 0 2,142
TRUIST FINL CORP COM 89832Q109 784,776 17,071 SH SOLE 0 0 17,071
UDR INC COM 902653104 417,791 12,368 SH SOLE 0 0 12,368
UNION PAC CORP COM 907818108 291,144 1,200 SH SOLE 0 0 1,200
UNITED RENTALS INC COM 911363109 203,997 280 SH SOLE 0 0 280
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845 795,483 10,515 SH SOLE 0 0 10,515
VANGUARD MALVERN FDS CORE BD ETF 922020748 377,463 4,878 SH SOLE 0 0 4,878
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 3,286,777 15,971 SH SOLE 0 0 15,971
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,010,759 26,774 SH SOLE 0 0 26,774
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 15,414,150 105,728 SH SOLE 0 0 105,728
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 50,589,509 789,474 SH SOLE 0 0 789,474
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 16,531,764 305,861 SH SOLE 0 0 305,861
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 208,124 2,525 SH SOLE 0 0 2,525
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,320,224 29,732 SH SOLE 0 0 29,732
VANGUARD INDEX FDS GROWTH ETF 922908736 59,554,422 136,346 SH SOLE 0 0 136,346
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,398,513 18,120 SH SOLE 0 0 18,120
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 8,057,698 97,374 SH SOLE 0 0 97,374
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 210,976 3,543 SH SOLE 0 0 3,543
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,601,846 8,706 SH SOLE 0 0 8,706
VANGUARD INDEX FDS MID CAP ETF 922908629 4,043,441 14,080 SH SOLE 0 0 14,080
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 338,555 1,316 SH SOLE 0 0 1,316
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 13,969,287 157,522 SH SOLE 0 0 157,522
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,524,549 10,919 SH SOLE 0 0 10,919
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 37,430,882 477,374 SH SOLE 0 0 477,374
VANGUARD INDEX FDS SM CP VAL ETF 922908611 22,135,424 101,889 SH SOLE 0 0 101,889
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,758,769 6,715 SH SOLE 0 0 6,715
VANGUARD INDEX FDS SML CP GRW ETF 922908595 20,201,003 66,835 SH SOLE 0 0 66,835
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 11,804,088 236,605 SH SOLE 0 0 236,605
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 77,069,584 1,046,572 SH SOLE 0 0 1,046,572
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 59,415,941 1,236,589 SH SOLE 0 0 1,236,589
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,428,918 18,531 SH SOLE 0 0 18,531
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,260,752 35,101 SH SOLE 0 0 35,101
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 2,997,893 19,332 SH SOLE 0 0 19,332
VANGUARD INDEX FDS VALUE ETF 922908744 60,270,353 307,188 SH SOLE 0 0 307,188
WALMART INC COM 931142103 792,534 6,377 SH SOLE 0 0 6,377
WILLIAMS COS INC COM 969457100 294,395 4,045 SH SOLE 0 0 4,045