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
3M CO COM 88579Y101 19,386 132 SH SOLE 0 0 132
ABBOTT LABS COM 002824100 13,265 100 SH SOLE 0 0 100
ABBVIE INC COM 00287Y109 20,952 100 SH SOLE 0 0 100
ADIENT PLC ORD SHS G0084W101 348 27 SH SOLE 0 0 27
ADVANCE AUTO PARTS INC COM 00751Y106 3,921 100 SH SOLE 0 0 100
ALCOA CORP COM 013872106 1,454 48 SH SOLE 0 0 48
ALPHABET INC CAP STK CL A 02079K305 30,628 198 SH SOLE 0 0 198
ALPS ETF TR ALERIAN MLP 00162Q452 3,117 60 SH SOLE 0 0 60
ALTRIA GROUP INC COM 02209S103 519,434 8,654 SH SOLE 0 0 8,654
AMAZON COM INC COM 023135106 145,359 764 SH SOLE 0 0 764
APPLE INC COM 037833100 208,358 938 SH SOLE 0 0 938
AT&T INC COM 00206R102 25,070 886 SH SOLE 0 0 886
ATLANTIC UN BANKSHARES CORP COM 04911A107 27,611 887 SH SOLE 0 0 887
BAKER HUGHES COMPANY CL A 05722G100 779 18 SH SOLE 0 0 18
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 136,874 257 SH SOLE 0 0 257
BRINKS CO COM 109696104 34,162 396 SH SOLE 0 0 396
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 8,688 210 SH SOLE 0 0 210
BROADCOM INC COM 11135F101 167,430 1,000 SH SOLE 0 0 1,000
CARMAX INC COM 143130102 39,116 502 SH SOLE 0 0 502
CHESAPEAKE UTILS CORP COM 165303108 126,442 985 SH SOLE 0 0 985
CITY HLDG CO COM 177835105 24,082 205 SH SOLE 0 0 205
CLOVER HEALTH INVESTMENTS CO COM CL A 18914F103 180 50 SH SOLE 0 0 50
COCA COLA CO COM 191216100 41,898 585 SH SOLE 0 0 585
COINBASE GLOBAL INC COM CL A 19260Q107 14,985 87 SH SOLE 0 0 87
CONSTELLATION ENERGY CORP COM 21037T109 168,133 834 SH SOLE 0 0 834
CORTEVA INC COM 22052L104 7,198 114 SH SOLE 0 0 114
CUMMINS INC COM 231021106 216,274 690 SH SOLE 0 0 690
DANAHER CORPORATION COM 235851102 77,900 380 SH SOLE 0 0 380
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 3,920,190 151,417 SH SOLE 0 0 151,417
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 230,473 8,902 SH SOLE 0 0 8,902
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 7,780,640 249,140 SH SOLE 0 0 249,140
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 428,788 13,730 SH SOLE 0 0 13,730
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 429,364 7,186 SH SOLE 0 0 7,186
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 40,332 675 SH SOLE 0 0 675
DOMINION ENERGY INC COM 25746U109 41,756 745 SH SOLE 0 0 745
DOW INC COM 260557103 12,003 344 SH SOLE 0 0 344
DUKE ENERGY CORP NEW COM NEW 26441C204 31,432 258 SH SOLE 0 0 258
DUPONT DE NEMOURS INC COM 26614N102 8,879 119 SH SOLE 0 0 119
EA SERIES TRUST FREEDOM 100 EM 02072L607 32,915 939 SH SOLE 0 0 939
EBAY INC. COM 278642103 101,595 1,500 SH SOLE 0 0 1,500
ELEVANCE HEALTH INC COM 036752103 15,659 36 SH SOLE 0 0 36
EMERSON ELEC CO COM 291011104 98,567 899 SH SOLE 0 0 899
EXELON CORP COM 30161N101 125,870 2,732 SH SOLE 0 0 2,732
EXXON MOBIL CORP COM 30231G102 33,301 280 SH SOLE 0 0 280
FASTENAL CO COM 311900104 28,229 364 SH SOLE 0 0 364
FORD MTR CO COM 345370860 9,070 904 SH SOLE 0 0 904
FORTIVE CORP COM 34959J108 9,002 123 SH SOLE 0 0 123
GENERAL DYNAMICS CORP COM 369550108 32,710 120 SH SOLE 0 0 120
GENERAL MTRS CO COM 37045V100 9,971 212 SH SOLE 0 0 212
GOODYEAR TIRE & RUBR CO COM 382550101 3,696 400 SH SOLE 0 0 400
HANESBRANDS INC COM 410345102 4,039 700 SH SOLE 0 0 700
HEALTHPEAK PROPERTIES INC COM 42250P103 8,088 400 SH SOLE 0 0 400
HERSHEY CO COM 427866108 4,618 27 SH SOLE 0 0 27
HIGHWOODS PPTYS INC COM 431284108 8,892 300 SH SOLE 0 0 300
HOWMET AEROSPACE INC COM 443201108 18,381 142 SH SOLE 0 0 142
INTEL CORP COM 458140100 2,271 100 SH SOLE 0 0 100
INTERNATIONAL BUSINESS MACHS COM 459200101 31,083 125 SH SOLE 0 0 125
INTERNATIONAL PAPER CO COM 460146103 10,670 200 SH SOLE 0 0 200
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 209,109 3,152 SH SOLE 0 0 3,152
INVESCO LTD SHS G491BT108 1,897 125 SH SOLE 0 0 125
ISHARES INC CORE MSCI EMKT 46434G103 373,589 6,922 SH SOLE 0 0 6,922
ISHARES TR 1 3 YR TREAS BD 464287457 137,011 1,656 SH SOLE 0 0 1,656
ISHARES TR 7-10 YR TRSY BD 464287440 16,595 174 SH SOLE 0 0 174
ISHARES TR CORE DIV GRWTH 46434V621 15,569 252 SH SOLE 0 0 252
ISHARES TR CORE MSCI EAFE 46432F842 1,621,301 21,432 SH SOLE 0 0 21,432
ISHARES TR CORE MSCI INTL 46435G326 503,545 7,309 SH SOLE 0 0 7,309
ISHARES TR CORE MSCI TOTAL 46432F834 311,493 4,462 SH SOLE 0 0 4,462
ISHARES TR CORE S&P MCP ETF 464287507 614,955 10,539 SH SOLE 0 0 10,539
ISHARES TR CORE S&P SCP ETF 464287804 360,010 3,443 SH SOLE 0 0 3,443
ISHARES TR CORE S&P TTL STK 464287150 57,711 473 SH SOLE 0 0 473
ISHARES TR CORE S&P500 ETF 464287200 17,692,827 31,488 SH SOLE 0 0 31,488
ISHARES TR CORE S&P500 ETF 464287200 867,574 1,544 SH SOLE 0 0 1,544
ISHARES TR HDG MSCI EAFE 46434V803 289,071 7,966 SH SOLE 0 0 7,966
ISHARES TR ISHS 1-5YR INVS 464288646 2,444,131 46,670 SH SOLE 0 0 46,670
ISHARES TR ISHS 1-5YR INVS 464288646 172,664 3,297 SH SOLE 0 0 3,297
ISHARES TR ISHS 5-10YR INVT 464288638 315,082 5,999 SH SOLE 0 0 5,999
ISHARES TR MBS ETF 464288588 6,943,016 74,035 SH SOLE 0 0 74,035
ISHARES TR MBS ETF 464288588 535,766 5,713 SH SOLE 0 0 5,713
ISHARES TR MSCI EAFE ETF 464287465 118,046 1,444 SH SOLE 0 0 1,444
ISHARES TR MSCI EMG MKT ETF 464287234 6,555 150 SH SOLE 0 0 150
ISHARES TR MSCI USA MIN VOL 46429B697 231,564 2,472 SH SOLE 0 0 2,472
ISHARES TR MSCI USA QLT FCT 46432F339 276,330 1,617 SH SOLE 0 0 1,617
ISHARES TR NATIONAL MUN ETF 464288414 968,361 9,184 SH SOLE 0 0 9,184
ISHARES TR RUS 1000 ETF 464287622 165,341 539 SH SOLE 0 0 539
ISHARES TR RUS 1000 GRW ETF 464287614 127,826 354 SH SOLE 0 0 354
ISHARES TR RUS 1000 VAL ETF 464287598 541,967 2,880 SH SOLE 0 0 2,880
ISHARES TR RUS 2000 GRW ETF 464287648 9,711 38 SH SOLE 0 0 38
ISHARES TR RUS MD CP GR ETF 464287481 91,055 775 SH SOLE 0 0 775
ISHARES TR RUS MID CAP ETF 464287499 63,548 747 SH SOLE 0 0 747
ISHARES TR RUS TP200 GR ETF 464289438 566,163 2,684 SH SOLE 0 0 2,684
ISHARES TR RUS TP200 VL ETF 464289420 372,851 4,537 SH SOLE 0 0 4,537
ISHARES TR RUSSELL 2000 ETF 464287655 16,359 82 SH SOLE 0 0 82
ISHARES TR S&P 500 GRWT ETF 464287309 3,760,152 40,506 SH SOLE 0 0 40,506
ISHARES TR S&P 500 VAL ETF 464287408 3,321,779 17,430 SH SOLE 0 0 17,430
ISHARES TR S&P MC 400GR ETF 464287606 99,334 1,193 SH SOLE 0 0 1,193
ISHARES TR S&P MC 400VL ETF 464287705 89,209 745 SH SOLE 0 0 745
ISHARES TR S&P SML 600 GWT 464287887 69,616 559 SH SOLE 0 0 559
ISHARES TR SP SMCP600VL ETF 464287879 42,912 440 SH SOLE 0 0 440
ISHARES TR U.S. TECH ETF 464287721 126,396 900 SH SOLE 0 0 900
ISHARES TR US TREAS BD ETF 46429B267 203,824 8,868 SH SOLE 0 0 8,868
ISHARES TR USD INV GRDE ETF 464288620 7,471,537 146,271 SH SOLE 0 0 146,271
ISHARES TR USD INV GRDE ETF 464288620 414,974 8,124 SH SOLE 0 0 8,124
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167 5,742,682 90,379 SH SOLE 0 0 90,379
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167 337,207 5,307 SH SOLE 0 0 5,307
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 7,484,743 117,463 SH SOLE 0 0 117,463
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 474,205 7,442 SH SOLE 0 0 7,442
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753 67,101 1,620 SH SOLE 0 0 1,620
JOHNSON & JOHNSON COM 478160104 215,592 1,300 SH SOLE 0 0 1,300
JOHNSON CTLS INTL PLC SHS G51502105 22,031 275 SH SOLE 0 0 275
KINSALE CAP GROUP INC COM 49714P108 19,469 40 SH SOLE 0 0 40
KRAFT HEINZ CO COM 500754106 15,127 497 SH SOLE 0 0 497
KYNDRYL HLDGS INC COMMON STOCK 50155Q100 660 21 SH SOLE 0 0 21
MARKEL GROUP INC COM 570535104 29,914 16 SH SOLE 0 0 16
MARVELL TECHNOLOGY INC COM 573874104 5,257 85 SH SOLE 0 0 85
MASTERCARD INCORPORATED CL A 57636Q104 41,109 75 SH SOLE 0 0 75
MCDONALDS CORP COM 580135101 288,943 925 SH SOLE 0 0 925
META PLATFORMS INC CL A 30303M102 2,882 5 SH SOLE 0 0 5
MFS CHARTER INCOME TR SH BEN INT 552727109 11,368 1,813 SH SOLE 0 0 1,813
MICROSOFT CORP COM 594918104 30,123 80 SH SOLE 0 0 80
MONDELEZ INTL INC CL A 609207105 96,736 1,426 SH SOLE 0 0 1,426
NORFOLK SOUTHN CORP COM 655844108 161,058 680 SH SOLE 0 0 680
NORTHWEST BANCSHARES INC MD COM 667340103 15,025 1,250 SH SOLE 0 0 1,250
NRG ENERGY INC COM NEW 629377508 452 5 SH SOLE 0 0 5
NVIDIA CORPORATION COM 67066G104 7,587 70 SH SOLE 0 0 70
OCCIDENTAL PETE CORP *W EXP 08/03/202 674599162 5,009 181 SH SOLE 0 0 181
OCCIDENTAL PETE CORP COM 674599105 74,428 1,508 SH SOLE 0 0 1,508
OWENS & MINOR INC NEW COM 690732102 13,556 1,501 SH SOLE 0 0 1,501
PARKER-HANNIFIN CORP COM 701094104 77,197 127 SH SOLE 0 0 127
PEPSICO INC COM 713448108 10,796 72 SH SOLE 0 0 72
PFIZER INC COM 717081103 15,304 604 SH SOLE 0 0 604
PHILIP MORRIS INTL INC COM 718172109 1,225,561 7,721 SH SOLE 0 0 7,721
PLURI INC COM NEW 72942G203 1,075 250 SH SOLE 0 0 250
PROCTER AND GAMBLE CO COM 742718109 86,233 506 SH SOLE 0 0 506
PROSHARES TR ULTRASHRT S&P500 74347G416 17,168 800 SH SOLE 0 0 800
RENAISSANCE CAP GREENWICH FD IPO ETF 759937204 9,396 250 SH SOLE 0 0 250
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 91,637 3,324 SH SOLE 0 0 3,324
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 363,364 18,370 SH SOLE 0 0 18,370
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 7,525,900 302,731 SH SOLE 0 0 302,731
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 585,081 23,535 SH SOLE 0 0 23,535
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3,069,986 126,129 SH SOLE 0 0 126,129
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 194,915 8,008 SH SOLE 0 0 8,008
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 36,709 1,705 SH SOLE 0 0 1,705
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 338,430 12,104 SH SOLE 0 0 12,104
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,018,325 40,668 SH SOLE 0 0 40,668
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,787,232 67,240 SH SOLE 0 0 67,240
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 24,765 1,122 SH SOLE 0 0 1,122
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,003,211 38,290 SH SOLE 0 0 38,290
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 25,850 1,103 SH SOLE 0 0 1,103
SMUCKER J M CO COM NEW 832696405 13,144 111 SH SOLE 0 0 111
SMURFIT WESTROCK PLC SHS G8267P108 10,139 225 SH SOLE 0 0 225
SOLVENTUM CORP COM SHS 83444M101 1,293 17 SH SOLE 0 0 17
SOUTH BOW CORP COM 83671M105 2,170 85 SH SOLE 0 0 85
SOUTHERN CO COM 842587107 347,585 3,780 SH SOLE 0 0 3,780
SPDR GOLD TR GOLD SHS 78463V107 57,628 200 SH SOLE 0 0 200
SPDR GOLD TR GOLD SHS 78463V107 21,035 73 SH SOLE 0 0 73
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 311,491 7,912 SH SOLE 0 0 7,912
SPDR SER TR PORTFLI INTRMDIT 78464A672 48,101 1,683 SH SOLE 0 0 1,683
SPDR SER TR PORTFOLIO S&P400 78464A847 1,962,196 38,339 SH SOLE 0 0 38,339
SPDR SER TR PORTFOLIO S&P400 78464A847 146,171 2,856 SH SOLE 0 0 2,856
SPDR SER TR PORTFOLIO S&P600 78468R853 112,799 2,767 SH SOLE 0 0 2,767
SPDR SER TR PRTFLO S&P500 GW 78464A409 8,203,286 102,069 SH SOLE 0 0 102,069
SPDR SER TR PRTFLO S&P500 GW 78464A409 351,378 4,372 SH SOLE 0 0 4,372
SPDR SER TR PRTFLO S&P500 VL 78464A508 3,729,796 73,033 SH SOLE 0 0 73,033
SPDR SER TR PRTFLO S&P500 VL 78464A508 296,513 5,806 SH SOLE 0 0 5,806
SPDR SER TR S&P 400 MDCP GRW 78464A821 28,765 362 SH SOLE 0 0 362
SPDR SER TR S&P DIVID ETF 78464A763 72,861 537 SH SOLE 0 0 537
STANLEY BLACK & DECKER INC COM 854502101 5,766 75 SH SOLE 0 0 75
STRYKER CORPORATION COM 863667101 76,312 205 SH SOLE 0 0 205
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN 864482104 6,829 325 SH SOLE 0 0 325
TC ENERGY CORP COM 87807B107 20,065 425 SH SOLE 0 0 425
TESLA INC COM 88160R101 8,294 32 SH SOLE 0 0 32
UDR INC COM 902653104 4,517 100 SH SOLE 0 0 100
UNION PAC CORP COM 907818108 54,336 230 SH SOLE 0 0 230
UNITED PARCEL SERVICE INC CL B 911312106 26,603 242 SH SOLE 0 0 242
UNITEDHEALTH GROUP INC COM 91324P102 52,375 100 SH SOLE 0 0 100
VANGUARD INDEX FDS GROWTH ETF 922908736 6,395 17 SH SOLE 0 0 17
VANGUARD INDEX FDS MID CAP ETF 922908629 509,748 1,971 SH SOLE 0 0 1,971
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 72,609 141 SH SOLE 0 0 141
VANGUARD INDEX FDS SMALL CP ETF 922908751 93,901 423 SH SOLE 0 0 423
VANGUARD INDEX FDS TOTAL STK MKT 922908769 14,842 54 SH SOLE 0 0 54
VANGUARD INDEX FDS VALUE ETF 922908744 1,941,276 11,238 SH SOLE 0 0 11,238
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 57,616 1,273 SH SOLE 0 0 1,273
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 6,132 75 SH SOLE 0 0 75
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 383,456 8,280 SH SOLE 0 0 8,280
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 43,426 550 SH SOLE 0 0 550
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 4,269 46 SH SOLE 0 0 46
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 15,808 196 SH SOLE 0 0 196
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 257,846 5,073 SH SOLE 0 0 5,073
VANGUARD WORLD FD FINANCIALS ETF 92204A405 25,328 212 SH SOLE 0 0 212
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 15,620 59 SH SOLE 0 0 59
VANGUARD WORLD FD INF TECH ETF 92204A702 32,543 60 SH SOLE 0 0 60
VERALTO CORP COM SHS 92338C103 12,279 126 SH SOLE 0 0 126
VERIZON COMMUNICATIONS INC COM 92343V104 30,938 682 SH SOLE 0 0 682
VIATRIS INC COM 92556V106 632 72 SH SOLE 0 0 72
VISA INC COM CL A 92826C839 35,046 100 SH SOLE 0 0 100
VONTIER CORPORATION COM 928881101 1,610 49 SH SOLE 0 0 49
WABTEC COM 929740108 182 1 SH SOLE 0 0 1
WARNER BROS DISCOVERY INC COM SER A 934423104 2,028 189 SH SOLE 0 0 189
WHIRLPOOL CORP COM 963320106 9,013 100 SH SOLE 0 0 100