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 C 02079K107 383,010 1,084 SH SOLE 0 0 1,084
ALPHABET INC CAP STK CL A 02079K305 566,075 1,584 SH SOLE 0 0 1,584
AMAZON COM INC COM 023135106 353,220 1,482 SH SOLE 0 0 1,482
APPLE INC COM 037833100 1,294,597 4,474 SH SOLE 0 0 4,474
BANK OF AMER CORP COM 060505104 253,505 4,449 SH SOLE 0 0 4,449
BANK OF THE JAMES FINL GP IN COM 470299108 339,340 13,297 SH SOLE 0 0 13,297
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 708,529 16,210 SH SOLE 0 0 16,210
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 415,825 831 SH SOLE 0 0 831
CAPITAL ONE FINL CORP COM 14040H105 359,311 1,791 SH SOLE 0 0 1,791
CATERPILLAR INC COM 149123101 424,896 399 SH SOLE 0 0 399
CHEVRON CORPORATION COM 166764100 241,679 1,458 SH SOLE 0 0 1,458
CISCO SYS INC COM 17275R102 233,041 1,984 SH SOLE 0 0 1,984
CORNING INC COM 219350105 240,616 942 SH SOLE 0 0 942
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 531,466 11,683 SH SOLE 0 0 11,683
GE AEROSPACE COM NEW 369604301 347,943 931 SH SOLE 0 0 931
GE VERNOVA INC COM 36828A101 269,043 229 SH SOLE 0 0 229
GOLDMAN SACHS GROUP INC COM 38141G104 245,763 243 SH SOLE 0 0 243
INTERNATIONAL BUSINESS MACHS COM 459200101 217,938 775 SH SOLE 0 0 775
ISHARES INC CORE MSCI EMKT 46434G103 272,213 3,286 SH SOLE 0 0 3,286
ISHARES TR GLOB INDSTRL ETF 464288729 210,525 1,050 SH SOLE 0 0 1,050
ISHARES TR CORE S&P TTL STK 464287150 30,592,874 186,235 SH SOLE 0 0 186,235
ISHARES TR CORE MSCI EAFE 46432F842 504,728 5,226 SH SOLE 0 0 5,226
ISHARES TR CORE S&P500 ETF 464287200 274,094 366 SH SOLE 0 0 366
ISHARES TR CORE MSCI TOTAL 46432F834 21,072,703 220,795 SH SOLE 0 0 220,795
ISHARES TR GLOBAL TECH ETF 464287291 639,902 4,429 SH SOLE 0 0 4,429
ISHARES TR ESG AWR MSCI USA 46435G425 297,716 1,819 SH SOLE 0 0 1,819
ISHARES TR GLOBAL FINLS ETF 464287333 307,528 2,470 SH SOLE 0 0 2,470
ISHARES TR RUS 1000 GRW ETF 464287614 659,375 5,310 SH SOLE 0 0 5,310
ISHARES TR MSCI EAFE ETF 464287465 245,573 2,364 SH SOLE 0 0 2,364
JOHNSON & JOHNSON COM 478160104 247,113 973 SH SOLE 0 0 973
JPMORGAN CHASE & CO COM 46625H100 753,187 2,301 SH SOLE 0 0 2,301
KLA CORP COM NEW 482480100 223,266 740 SH SOLE 0 0 740
META PLATFORMS INC CL A 30303M102 726,645 1,290 SH SOLE 0 0 1,290
MICROSOFT CORP COM 594918104 707,619 1,897 SH SOLE 0 0 1,897
NVIDIA CORPORATION COM 67066G104 206,093 1,030 SH SOLE 0 0 1,030
RTX CORPORATION COM 75513E101 231,471 1,220 SH SOLE 0 0 1,220
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 3,430,922 18,522 SH SOLE 0 0 18,522
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 1,883,036 17,577 SH SOLE 0 0 17,577
SELECT SECTOR SPDR TR ST STR REAL ETF 81369Y860 560,833 12,738 SH SOLE 0 0 12,738
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 3,350,228 62,493 SH SOLE 0 0 62,493
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 13,408,200 70,377 SH SOLE 0 0 70,377
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 3,066,160 19,325 SH SOLE 0 0 19,325
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 3,201,027 27,294 SH SOLE 0 0 27,294
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 1,335,670 16,079 SH SOLE 0 0 16,079
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 833,183 15,688 SH SOLE 0 0 15,688
SELECT SECTOR SPDR TR ST STR MATER ETF 81369Y100 765,057 15,051 SH SOLE 0 0 15,051
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 775,304 17,100 SH SOLE 0 0 17,100
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,600,208 2,143 SH SOLE 0 0 2,143
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 891,836 1,268 SH SOLE 0 0 1,268
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 503,837 1,055 SH SOLE 0 0 1,055
TARGA RES CORP COM 87612G101 377,005 1,406 SH SOLE 0 0 1,406
TESLA INC COM 88160R101 1,114,170 2,649 SH SOLE 0 0 2,649
TJX COS INC NEW COM 872540109 202,707 1,338 SH SOLE 0 0 1,338
TRUIST FINL CORP COM 89832Q109 1,870,891 37,553 SH SOLE 0 0 37,553
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 1,620,479 32,553 SH SOLE 0 0 32,553
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 468,650 4,860 SH SOLE 0 0 4,860
VANGUARD INDEX FDS MID CAP ETF 922908629 506,302 6,284 SH SOLE 0 0 6,284
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 6,346,391 25,776 SH SOLE 0 0 25,776
VANGUARD INDEX FDS TOTAL STK MKT 922908769 20,698,606 55,936 SH SOLE 0 0 55,936
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,515,612 4,407 SH SOLE 0 0 4,407
VANGUARD INDEX FDS VALUE ETF 922908744 257,812 1,183 SH SOLE 0 0 1,183
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,517,846 3,666 SH SOLE 0 0 3,666
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 413,448 2,634 SH SOLE 0 0 2,634
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,488,576 17,774 SH SOLE 0 0 17,774
VANGUARD STAR FDS VG TL INTL STK F 921909768 11,884,963 139,022 SH SOLE 0 0 139,022
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,467,323 20,594 SH SOLE 0 0 20,594
VANGUARD WORLD FD MATERIALS ETF 92204A801 356,227 1,557 SH SOLE 0 0 1,557
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 1,649,099 4,576 SH SOLE 0 0 4,576
VANGUARD WORLD FD UTILITIES ETF 92204A876 394,788 2,017 SH SOLE 0 0 2,017
VANGUARD WORLD FD FINANCIALS ETF 92204A405 2,451,050 18,625 SH SOLE 0 0 18,625
VANGUARD WORLD FD ENERGY ETF 92204A306 774,014 5,156 SH SOLE 0 0 5,156
VANGUARD WORLD FD INF TECH ETF 92204A702 5,889,946 49,280 SH SOLE 0 0 49,280
VANGUARD WORLD FD COMM SRVC ETF 92204A884 2,125,543 11,555 SH SOLE 0 0 11,555
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 2,166,627 7,246 SH SOLE 0 0 7,246
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 1,708,596 4,308 SH SOLE 0 0 4,308
VANGUARD WORLD FD CONSUM STP ETF 92204A207 1,093,118 4,848 SH SOLE 0 0 4,848
VERIZON COMMUNICATIONS INC COM 92343V104 266,573 6,296 SH SOLE 0 0 6,296
VISA INC COM CL A 92826C839 966,485 2,817 SH SOLE 0 0 2,817