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 LABORATORIES COM COM 002824100 253,955 2,799 SH SOLE 0 0 2,799
ABBVIE INC COM COM 00287Y109 331,387 1,317 SH SOLE 0 0 1,317
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 839,511 2,349 SH SOLE 0 0 2,349
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 966,698 2,736 SH SOLE 0 0 2,736
ALTRIA GROUP INC COM COM 02209S103 244,630 3,400 SH SOLE 0 0 3,400
AMAZON COM INC COM COM 023135106 1,352,580 5,675 SH SOLE 0 0 5,675
APPLE INC COM COM 037833100 1,713,343 5,921 SH SOLE 0 0 5,921
ATLANTIC UN BANKSHARES CORP COM COM 04911A107 264,951 6,262 SH SOLE 0 0 6,262
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 837,653 1,674 SH SOLE 0 0 1,674
BROADCOM INC COM COM 11135F101 423,458 1,121 SH SOLE 0 0 1,121
CAPITAL ONE FINL CORP COM COM 14040H105 309,958 1,545 SH SOLE 0 0 1,545
CARDINAL HEALTH INC COM COM 14149Y108 513,842 2,163 SH SOLE 0 0 2,163
CARTER BANKSHARES INC COM NEW COM NEW 146103106 418,289 12,299 SH SOLE 0 0 12,299
CATERPILLAR INC COM COM 149123101 270,485 254 SH SOLE 0 0 254
CHEVRON CORPORATION COM COM 166764100 1,265,352 7,634 SH SOLE 0 0 7,634
CITIZENS FINL GROUP INC COM COM 174610105 222,472 3,175 SH SOLE 0 0 3,175
CORNING INC COM COM 219350105 919,803 3,601 SH SOLE 0 0 3,601
CSX CORP COM COM 126408103 751,734 15,816 SH SOLE 0 0 15,816
CVS HEALTH CORP COM COM 126650100 609,114 5,888 SH SOLE 0 0 5,888
DANAHER CORP DEL COM COM 235851102 372,421 1,954 SH SOLE 0 0 1,954
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF EMGR CRE EQT MNG 25434V302 719,316 17,889 SH SOLE 0 0 17,889
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF INTL CORE EQT MK 25434V203 337,954 8,193 SH SOLE 0 0 8,193
DIMENSIONAL INTERNATIONAL SMALL CAP ETF INTL SMALL CAP E 25434V773 448,155 12,793 SH SOLE 0 0 12,793
DIMENSIONAL INTERNATIONAL VALUE ETF INTERNATNAL VAL 25434V807 476,397 8,819 SH SOLE 0 0 8,819
DIMENSIONAL NATIONAL MUNICIPAL BOND ETF NATL MUN BD ETF 25434V849 923,766 19,112 SH SOLE 0 0 19,112
DIMENSIONAL U.S. CORE EQUITY 2 ETF US COR EQU 2 ETF 25434V708 920,074 20,741 SH SOLE 0 0 20,741
DIMENSIONAL U.S. TARGETED VALUE ETF US TARGETED VLU 25434V609 1,267,867 18,138 SH SOLE 0 0 18,138
DIMENSIONAL US REAL ESTATE ETF US REAL ESTA ETF 25434V823 223,842 8,557 SH SOLE 0 0 8,557
DIMENSIONAL US SMALL CAP VALUE ETF US SMALL CAP ETF 25434V815 559,064 14,413 SH SOLE 0 0 14,413
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF WORLD EX US CORE 25434V880 925,156 25,113 SH SOLE 0 0 25,113
DOMINION ENERGY INC COM COM 25746U109 203,026 2,973 SH SOLE 0 0 2,973
EDWARDS LIFESCIENCES CORP COM COM 28176E108 1,047,889 11,584 SH SOLE 0 0 11,584
EXXONMOBIL HOLDINGS CORP COM SHS COM 30231G102 1,725,817 12,623 SH SOLE 0 0 12,623
FERGUSON ENTERPRISES INC COMMON STOCK NEW COMMON STOCK NEW 31488V107 1,194,482 5,033 SH SOLE 0 0 5,033
GE AEROSPACE COM NEW COM NEW 369604301 1,015,109 2,716 SH SOLE 0 0 2,716
GE VERNOVA INC COM COM 36828A101 1,157,243 985 SH SOLE 0 0 985
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 516,012 2,425 SH SOLE 0 0 2,425
INVESCO S&P 500 QUALITY ETF S&P500 QUALITY 46137V241 233,179 2,588 SH SOLE 0 0 2,588
ISHARES CORE 80/20 AGGRESSIVE ALLOCATION ETF CORE 80 20 ETF 464289859 286,394 2,934 SH SOLE 0 0 2,934
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF CORE INTL AGGR 46435G672 3,320,256 65,618 SH SOLE 0 0 65,618
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 894,991 9,267 SH SOLE 0 0 9,267
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 327,074 3,948 SH SOLE 0 0 3,948
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 1,061,281 1,417 SH SOLE 0 0 1,417
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 435,536 5,648 SH SOLE 0 0 5,648
ISHARES CORE S&P SMALL CAP ETF CORE S&P SCP ETF 464287804 428,651 2,890 SH SOLE 0 0 2,890
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226 567,164 5,730 SH SOLE 0 0 5,730
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 1,022,730 9,845 SH SOLE 0 0 9,845
ISHARES MSCI EAFE SMALL-CAP ETF EAFE SML CP ETF 464288273 4,233,138 51,454 SH SOLE 0 0 51,454
ISHARES MSCI EMERGING MARKETS ETF MSCI EMG MKT ETF 464287234 356,032 5,204 SH SOLE 0 0 5,204
ISHARES MSCI INTL QUALITY FACTOR ETF MSCI INTL QUALTY 46434V456 351,607 7,096 SH SOLE 0 0 7,096
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 6,872,306 63,857 SH SOLE 0 0 63,857
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 1,645,474 13,252 SH SOLE 0 0 13,252
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 1,010,850 4,170 SH SOLE 0 0 4,170
ISHARES RUSSELL 2000 VALUE ETF RUS 2000 VAL ETF 464287630 279,127 1,262 SH SOLE 0 0 1,262
ISHARES RUSSELL 3000 ETF RUSSELL 3000 ETF 464287689 260,530 611 SH SOLE 0 0 611
ISHARES RUSSELL MIDCAP ETF RUS MID CAP ETF 464287499 216,146 1,959 SH SOLE 0 0 1,959
ISHARES RUSSELL MID-CAP GROWTH ETF RUS MD CP GR ETF 464287481 469,275 3,205 SH SOLE 0 0 3,205
ISHARES RUSSELL MID-CAP VALUE ETF RUS MDCP VAL ETF 464287473 480,402 2,919 SH SOLE 0 0 2,919
ISHARES RUSSELL TOP 200 GROWTH ETF RUS TP200 GR ETF 464289438 231,334 796 SH SOLE 0 0 796
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 482,731 3,510 SH SOLE 0 0 3,510
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 309,488 1,363 SH SOLE 0 0 1,363
ISHARES SELECT U.S. REIT ETF SELECT US REIT 464287564 206,001 3,046 SH SOLE 0 0 3,046
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF SHRT NAT MUN ETF 464288158 11,731,336 110,184 SH SOLE 0 0 110,184
ISHARES SILVER TRUST ISHARES 46428Q109 219,655 4,108 SH SOLE 0 0 4,108
ISHARES U.S. EQUITY FACTOR ETF U S EQUITY FACTR 46434V282 1,433,070 18,948 SH SOLE 0 0 18,948
JOHNSON & JOHNSON COM COM 478160104 677,272 2,667 SH SOLE 0 0 2,667
LOWES COS INC COM COM 548661107 529,073 2,400 SH SOLE 0 0 2,400
MCDONALDS CORP COM COM 580135101 381,719 1,412 SH SOLE 0 0 1,412
META PLATFORMS INC CL A CL A 30303M102 353,183 627 SH SOLE 0 0 627
MICROSOFT CORP COM COM 594918104 978,297 2,623 SH SOLE 0 0 2,623
MONDELEZ INTL INC CL A CL A 609207105 214,413 3,707 SH SOLE 0 0 3,707
NATIONAL BANKSHARES INC VA COM COM 634865109 778,583 21,431 SH SOLE 0 0 21,431
NIKE INC CL B CL B 654106103 327,411 7,976 SH SOLE 0 0 7,976
NORFOLK SOUTHN CORP COM COM 655844108 2,949,596 9,376 SH SOLE 0 0 9,376
PFIZER INC COM COM 717081103 207,191 8,604 SH SOLE 0 0 8,604
PHILIP MORRIS INTL INC COM COM 718172109 735,580 4,066 SH SOLE 0 0 4,066
PROCTER & GAMBLE CO COM COM 742718109 602,081 4,106 SH SOLE 0 0 4,106
RTX CORPORATION COM COM 75513E101 299,204 1,577 SH SOLE 0 0 1,577
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY ETF FUNDAMENTAL US L 808524771 429,895 13,823 SH SOLE 0 0 13,823
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 315,147 13,625 SH SOLE 0 0 13,625
SEAGATE TECHNOLOGY HLDNGS PLC ORD SHS ORD SHS G7997R103 1,544,000 1,600 SH SOLE 0 0 1,600
SOUTHERN CO COM COM 842587107 228,364 2,386 SH SOLE 0 0 2,386
STATE STREET SPDR PORTFOLIO AGGREGATE BOND ETF ST STR AGGRE ETF 78464A649 2,711,767 106,260 SH SOLE 0 0 106,260
STATE STREET SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ST STR PO EX ETF 78463X889 14,668,868 291,107 SH SOLE 0 0 291,107
STATE STREET SPDR PORTFOLIO EMERGING MARKETS ETF ST PORT MARK ETF 78463X509 3,706,936 71,590 SH SOLE 0 0 71,590
STATE STREET SPDR PORTFOLIO S&P 500 GROWTH ETF ST STR P500GRW 78464A409 4,930,048 41,432 SH SOLE 0 0 41,432
STATE STREET SPDR PORTFOLIO S&P 500 VALUE ETF ST STR P500VAL 78464A508 4,293,602 70,630 SH SOLE 0 0 70,630
STATE STREET SPDR PORTFOLIO SHORT TERM TREASURY ETF ST SHO TREAS ETF 78468R101 1,165,492 40,176 SH SOLE 0 0 40,176
STATE STREET SPDR S&P 500 ETF TR UNIT 78462F103 2,259,366 3,026 SH SOLE 0 0 3,026
STATE STREET SPDR S&P 600 SMALL CAP GROWTH ETF ST STR SP600GRWO 78464A201 2,163,211 18,158 SH SOLE 0 0 18,158
STATE STREET SPDR S&P 600 SMALL CAP VALUE ETF ST STR SP600SM C 78464A300 3,461,937 31,729 SH SOLE 0 0 31,729
STATE STREET SPDR S&P DIVIDEND ETF ST STR SP DIV 78464A763 248,390 1,632 SH SOLE 0 0 1,632
STEEL DYNAMICS INC COM COM 858119100 1,471,298 6,412 SH SOLE 0 0 6,412
TESLA INC COM COM 88160R101 1,289,560 3,066 SH SOLE 0 0 3,066
TEXAS PACIFIC LAND CORPORATION COM COM 88262P102 937,425 2,142 SH SOLE 0 0 2,142
TRUIST FINL CORP COM COM 89832Q109 851,729 17,096 SH SOLE 0 0 17,096
UDR INC COM COM 902653104 493,731 12,368 SH SOLE 0 0 12,368
UNION PAC CORP COM COM 907818108 326,400 1,200 SH SOLE 0 0 1,200
UNITED RENTALS INC COM COM 911363109 317,209 280 SH SOLE 0 0 280
VANGUARD 0-3 MONTH TREASURY BILL ETF 0 3 MO TR BI ETF 922040845 851,386 11,250 SH SOLE 0 0 11,250
VANGUARD CORE BOND ETF CORE BD ETF 922020748 379,323 4,911 SH SOLE 0 0 4,911
VANGUARD ESG U.S. STOCK ETF ESG US STK ETF 921910733 219,027 1,656 SH SOLE 0 0 1,656
VANGUARD EXTENDED MARKET ETF EXTEND MKT ETF 922908652 3,843,841 15,612 SH SOLE 0 0 15,612
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ALLWRLD EX US 922042775 2,111,962 25,217 SH SOLE 0 0 25,217
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF FTSE SMCAP ETF 922042718 16,236,745 105,235 SH SOLE 0 0 105,235
VANGUARD FTSE DEVELOPED MARKETS ETF VAN FTSE DEV MKT 921943858 54,987,630 771,756 SH SOLE 0 0 771,756
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 18,080,061 302,899 SH SOLE 0 0 302,899
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 223,551 2,525 SH SOLE 0 0 2,525
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF GLB EX US ETF 922042676 1,316,137 29,335 SH SOLE 0 0 29,335
VANGUARD GROWTH ETF GROWTH ETF 922908736 71,053,732 824,863 SH SOLE 0 0 824,863
VANGUARD INTERMEDIATE-TERM BOND ETF INTERMED TERM 921937819 1,241,496 16,186 SH SOLE 0 0 16,186
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF INT-TERM CORP 92206C870 8,341,873 100,930 SH SOLE 0 0 100,930
VANGUARD LARGE-CAP ETF LARGE CAP ETF 922908637 2,998,052 8,718 SH SOLE 0 0 8,718
VANGUARD MID-CAP ETF MID CAP ETF 922908629 4,547,562 56,442 SH SOLE 0 0 56,442
VANGUARD MID-CAP GROWTH ETF MCAP GR IDXVIP 922908538 403,308 1,317 SH SOLE 0 0 1,317
VANGUARD MID-CAP VALUE ETF MCAP VL IDXVIP 922908512 200,934 1,017 SH SOLE 0 0 1,017
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 15,551,520 161,235 SH SOLE 0 0 161,235
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 7,505,572 10,928 SH SOLE 0 0 10,928
VANGUARD SHORT-TERM BOND ETF SHORT TRM BOND 921937827 38,096,699 488,983 SH SOLE 0 0 488,983
VANGUARD SMALL CAP VALUE ETF SM CP VAL ETF 922908611 24,202,467 99,603 SH SOLE 0 0 99,603
VANGUARD SMALL-CAP ETF SMALL CP ETF 922908751 2,037,819 6,723 SH SOLE 0 0 6,723
VANGUARD SMALL-CAP GROWTH ETF SML CP GRW ETF 922908595 24,234,390 66,268 SH SOLE 0 0 66,268
VANGUARD TAX-EXEMPT BOND ETF TAX EXEMPT BD 922907746 13,270,107 262,359 SH SOLE 0 0 262,359
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835 78,039,507 1,063,064 SH SOLE 0 0 1,063,064
VANGUARD TOTAL INTERNATIONAL BOND ETF TOTAL INT BD ETF 92203J407 62,399,660 1,288,435 SH SOLE 0 0 1,288,435
VANGUARD TOTAL INTERNATIONAL STOCK ETF VG TL INTL STK F 921909768 1,466,831 17,158 SH SOLE 0 0 17,158
VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769 13,191,710 35,649 SH SOLE 0 0 35,649
VANGUARD U.S. MULTIFACTOR ETF US MULTIFACTOR 921935607 3,419,910 19,325 SH SOLE 0 0 19,325
VANGUARD VALUE ETF VALUE ETF 922908744 65,285,907 299,573 SH SOLE 0 0 299,573
WALMART INC COM COM 931142103 722,259 6,377 SH SOLE 0 0 6,377
WILLIAMS COS INC COM COM 969457100 300,705 4,045 SH SOLE 0 0 4,045