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 10,178 62 SH SOLE 0 0 62
ABBOTT LABORATORIES COM 002824100 9,883 100 SH SOLE 0 0 100
ABBVIE INC COM 00287Y109 26,159 100 SH SOLE 0 0 100
ALPHABET INC CAP STK CL A 02079K305 49,204 143 SH SOLE 0 0 143
ALPS ETF TR ALERIAN MLP 00162Q452 3,113 60 SH SOLE 0 0 60
ALTRIA GROUP INC COM 02209S103 269,158 3,997 SH SOLE 0 0 3,997
AMAZON COM INC COM 023135106 162,945 654 SH SOLE 0 0 654
APPLE INC COM 037833100 657,049 1,973 SH SOLE 0 0 1,973
AT&T INC COM 00206R102 9,450 387 SH SOLE 0 0 387
ATLANTIC UN BANKSHARES CORP COM 04911A107 291,419 7,679 SH SOLE 0 0 7,679
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 127,974 257 SH SOLE 0 0 257
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 11,424 210 SH SOLE 0 0 210
BROADCOM INC COM 11135F101 284,464 810 SH SOLE 0 0 810
CENNTRO INC COM 150964302 41 10 SH SOLE 0 0 10
CLOVER HEALTH INVESTMENTS CO COM CL A 18914F103 216 50 SH SOLE 0 0 50
COCA COLA CO COM 191216100 69,725 810 SH SOLE 0 0 810
COINBASE GLOBAL INC COM CL A 19260Q107 47,908 257 SH SOLE 0 0 257
CUMMINS INC COM 231021106 46,492 90 SH SOLE 0 0 90
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 9,556,656 243,110 SH SOLE 0 0 243,110
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 393,494 10,010 SH SOLE 0 0 10,010
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 10,522,276 253,977 SH SOLE 0 0 253,977
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 410,738 9,914 SH SOLE 0 0 9,914
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 1,404,151 18,137 SH SOLE 0 0 18,137
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 54,272 701 SH SOLE 0 0 701
DOMINION ENERGY INC COM 25746U109 12,104 200 SH SOLE 0 0 200
DUKE ENERGY CORP NEW COM NEW 26441C204 14,691 129 SH SOLE 0 0 129
EA SERIES TRUST FREEDOM 100 EM 02072L607 75,907 1,085 SH SOLE 0 0 1,085
EBAY INC. COM 278642103 159,075 1,500 SH SOLE 0 0 1,500
ELEVANCE HEALTH INC FORMERLY COM 036752103 13,998 36 SH SOLE 0 0 36
EMERSON ELEC CO COM 291011104 128,268 827 SH SOLE 0 0 827
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 45,570 280 SH SOLE 0 0 280
FORD MTR CO COM 345370860 7,950 659 SH SOLE 0 0 659
GENERAL DYNAMICS CORP COM 369550108 39,820 120 SH SOLE 0 0 120
GENERAL MTRS CO COM 37045V100 8,209 107 SH SOLE 0 0 107
GRAYSCALE BITCOIN MINI TR ET SHS NEW 389930207 2,107 57 SH SOLE 0 0 57
INTERNATIONAL BUSINESS MACHS COM 459200101 27,492 125 SH SOLE 0 0 125
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 207,042 2,462 SH SOLE 0 0 2,462
INVESCO LTD SHS G491BT108 3,770 125 SH SOLE 0 0 125
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 2,083 44 SH SOLE 0 0 44
ISHARES INC CORE MSCI EMKT 46434G103 580,874 7,157 SH SOLE 0 0 7,157
ISHARES TR 1 3 YR TREAS BD 464287457 100,292 1,235 SH SOLE 0 0 1,235
ISHARES TR 7-10 YR TRSY BD 464287440 5,895 66 SH SOLE 0 0 66
ISHARES TR CORE DIV GRWTH 46434V621 17,868 237 SH SOLE 0 0 237
ISHARES TR CORE MSCI EAFE 46432F842 1,774,803 18,320 SH SOLE 0 0 18,320
ISHARES TR CORE MSCI INTL 46435G326 541,211 6,048 SH SOLE 0 0 6,048
ISHARES TR CORE MSCI TOTAL 46432F834 328,571 3,459 SH SOLE 0 0 3,459
ISHARES TR CORE S&P MCP ETF 464287507 677,413 9,415 SH SOLE 0 0 9,415
ISHARES TR CORE S&P SCP ETF 464287804 410,297 3,016 SH SOLE 0 0 3,016
ISHARES TR CORE S&P TTL STK 464287150 78,651 473 SH SOLE 0 0 473
ISHARES TR CORE S&P500 ETF 464287200 20,107,269 26,255 SH SOLE 0 0 26,255
ISHARES TR CORE S&P500 ETF 464287200 589,705 770 SH SOLE 0 0 770
ISHARES TR HDG MSCI EAFE 46434V803 337,654 7,279 SH SOLE 0 0 7,279
ISHARES TR ISHS 1-5YR INVS 464288646 1,043,568 20,370 SH SOLE 0 0 20,370
ISHARES TR ISHS 1-5YR INVS 464288646 12,654 247 SH SOLE 0 0 247
ISHARES TR ISHS 5-10YR INVT 464288638 255,993 5,084 SH SOLE 0 0 5,084
ISHARES TR MBS ETF 464288588 7,591,105 84,703 SH SOLE 0 0 84,703
ISHARES TR MBS ETF 464288588 131,025 1,462 SH SOLE 0 0 1,462
ISHARES TR MSCI EAFE ETF 464287465 150,052 1,444 SH SOLE 0 0 1,444
ISHARES TR MSCI EMG MKT ETF 464287234 10,019 150 SH SOLE 0 0 150
ISHARES TR MSCI USA MIN ETF 46429B697 214,057 2,197 SH SOLE 0 0 2,197
ISHARES TR MSCI USA QLT FCT 46432F339 359,363 1,617 SH SOLE 0 0 1,617
ISHARES TR NATIONAL MUN ETF 464288414 1,031,220 10,200 SH SOLE 0 0 10,200
ISHARES TR RUS 1000 ETF 464287622 672,893 1,617 SH SOLE 0 0 1,617
ISHARES TR RUS 1000 GRW ETF 464287614 177,369 1,416 SH SOLE 0 0 1,416
ISHARES TR RUS 1000 VAL ETF 464287598 202,398 816 SH SOLE 0 0 816
ISHARES TR RUS 2000 GRW ETF 464287648 11,778 33 SH SOLE 0 0 33
ISHARES TR RUS MD CP GR ETF 464287481 16,384 119 SH SOLE 0 0 119
ISHARES TR RUS MID CAP ETF 464287499 51,862 486 SH SOLE 0 0 486
ISHARES TR RUS TP200 GR ETF 464289438 776,793 2,634 SH SOLE 0 0 2,634
ISHARES TR RUS TP200 VL ETF 464289420 496,938 4,537 SH SOLE 0 0 4,537
ISHARES TR RUSSELL 2000 ETF 464287655 20,286 73 SH SOLE 0 0 73
ISHARES TR S&P 500 GRWT ETF 464287309 4,992,163 35,092 SH SOLE 0 0 35,092
ISHARES TR S&P 500 VAL ETF 464287408 3,447,661 15,103 SH SOLE 0 0 15,103
ISHARES TR S&P MC 400GR ETF 464287606 103,995 949 SH SOLE 0 0 949
ISHARES TR S&P MC 400VL ETF 464287705 60,742 441 SH SOLE 0 0 441
ISHARES TR S&P SML 600 GWT 464287887 60,151 375 SH SOLE 0 0 375
ISHARES TR SP SMCP600VL ETF 464287879 11,390 89 SH SOLE 0 0 89
ISHARES TR U.S. TECH ETF 464287721 216,159 816 SH SOLE 0 0 816
ISHARES TR US TREAS BD ETF 46429B267 74,045 3,386 SH SOLE 0 0 3,386
ISHARES TR USD INV GRDE ETF 464288620 10,004,985 205,399 SH SOLE 0 0 205,399
ISHARES TR USD INV GRDE ETF 464288620 193,623 3,975 SH SOLE 0 0 3,975
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167 7,638,927 95,822 SH SOLE 0 0 95,822
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167 247,132 3,100 SH SOLE 0 0 3,100
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 9,899,546 120,491 SH SOLE 0 0 120,491
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 423,042 5,149 SH SOLE 0 0 5,149
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753 93,831 1,620 SH SOLE 0 0 1,620
JOHNSON & JOHNSON COM 478160104 330,925 1,250 SH SOLE 0 0 1,250
KYNDRYL HLDGS INC COMMON STOCK 50155Q100 237 21 SH SOLE 0 0 21
MARKEL GROUP INC COM 570535104 27,400 16 SH SOLE 0 0 16
MASTERCARD INCORPORATED CL A 57636Q104 41,361 75 SH SOLE 0 0 75
MCDONALDS CORP COM 580135101 225,167 975 SH SOLE 0 0 975
MICROSOFT CORP COM 594918104 41,157 80 SH SOLE 0 0 80
NORFOLK SOUTHN CORP COM 655844108 40,170 130 SH SOLE 0 0 130
NORTHWEST BANCSHARES INC COM 667340103 14,648 987 SH SOLE 0 0 987
PARKER-HANNIFIN CORP COM 701094104 121,339 127 SH SOLE 0 0 127
PEPSICO INC COM 713448108 24,711 195 SH SOLE 0 0 195
PHILIP MORRIS INTL INC COM 718172109 824,725 4,322 SH SOLE 0 0 4,322
PLURI INC COM NEW 72942G203 350 350 SH SOLE 0 0 350
PROCTER & GAMBLE CO COM 742718109 58,548 403 SH SOLE 0 0 403
RENAISSANCE CAP GREENWICH FD IPO ETF 759937204 13,166 250 SH SOLE 0 0 250
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 123,704 3,394 SH SOLE 0 0 3,394
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 510,329 18,578 SH SOLE 0 0 18,578
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 6,956,132 293,508 SH SOLE 0 0 293,508
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 103,356 4,361 SH SOLE 0 0 4,361
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,929,065 122,760 SH SOLE 0 0 122,760
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 73,179 3,067 SH SOLE 0 0 3,067
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 130,897 4,466 SH SOLE 0 0 4,466
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 371,608 11,424 SH SOLE 0 0 11,424
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,190,331 33,129 SH SOLE 0 0 33,129
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,804,624 54,177 SH SOLE 0 0 54,177
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 34,857 1,162 SH SOLE 0 0 1,162
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 558,965 16,430 SH SOLE 0 0 16,430
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 37,371 1,145 SH SOLE 0 0 1,145
SPDR GOLD TR GOLD SHS 78463V107 76,168 200 SH SOLE 0 0 200
SPDR GOLD TR GOLD SHS 78463V107 27,802 73 SH SOLE 0 0 73
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 349,477 6,752 SH SOLE 0 0 6,752
SPDR SERIES TRUST ST INTER ETF 78464A672 29,627 1,086 SH SOLE 0 0 1,086
SPDR SERIES TRUST ST LON TREAS ETF 78464A664 8,324 349 SH SOLE 0 0 349
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 6,821 280 SH SOLE 0 0 280
SPDR SERIES TRUST ST STR P400MID 78464A847 2,511,622 39,842 SH SOLE 0 0 39,842
SPDR SERIES TRUST ST STR P400MID 78464A847 103,323 1,639 SH SOLE 0 0 1,639
SPDR SERIES TRUST ST STR P500ETF 78464A854 18,312 204 SH SOLE 0 0 204
SPDR SERIES TRUST ST STR P500GRW 78464A409 10,720,237 87,100 SH SOLE 0 0 87,100
SPDR SERIES TRUST ST STR P500GRW 78464A409 402,103 3,267 SH SOLE 0 0 3,267
SPDR SERIES TRUST ST STR P500VAL 78464A508 6,704,516 109,676 SH SOLE 0 0 109,676
SPDR SERIES TRUST ST STR P500VAL 78464A508 315,431 5,160 SH SOLE 0 0 5,160
SPDR SERIES TRUST ST STR PR SP1500 78464A805 6,812 74 SH SOLE 0 0 74
SPDR SERIES TRUST ST STR SP DIV 78464A763 78,660 537 SH SOLE 0 0 537
SPDR SERIES TRUST ST STR SP400GRW 78464A821 39,304 376 SH SOLE 0 0 376
SPDR SERIES TRUST ST STR SP600 SML 78468R853 129,210 2,444 SH SOLE 0 0 2,444
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 158,684 208 SH SOLE 0 0 208
STRYKER CORPORATION COM 863667101 48,469 176 SH SOLE 0 0 176
TWO RDS SHARED TR LDRSHS ALPFACT 90214Q774 26,412 496 SH SOLE 0 0 496
TWO RDS SHARED TR LEAD DY YIEL ETF 90214Q675 11,386 518 SH SOLE 0 0 518
TWO RDS SHARED TR LEASERSHS ALPHAF 90214Q691 9,142 208 SH SOLE 0 0 208
UNITEDHEALTH GROUP INC COM 91324P102 22,025 60 SH SOLE 0 0 60
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 9,304 103 SH SOLE 0 0 103
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 548,864 6,999 SH SOLE 0 0 6,999
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 68,691 241 SH SOLE 0 0 241
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 1,516,047 7,016 SH SOLE 0 0 7,016
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 61,979 88 SH SOLE 0 0 88
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 75,502 1,273 SH SOLE 0 0 1,273
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 5,874 75 SH SOLE 0 0 75
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 329,620 7,422 SH SOLE 0 0 7,422
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 14,609 189 SH SOLE 0 0 189
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 610,355 4,734 SH SOLE 0 0 4,734
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 205,595 2,912 SH SOLE 0 0 2,912
VANGUARD WORLD FD FINANCIALS ETF 92204A405 27,580 212 SH SOLE 0 0 212
VERIZON COMMUNICATIONS INC COM 92343V104 9,909 216 SH SOLE 0 0 216
VISA INC COM CL A 92826C839 35,933 100 SH SOLE 0 0 100
WARNER BROS DISCOVERY INC COM SER A 934423104 2,941 95 SH SOLE 0 0 95
WISDOMTREE TR INTL EQUITY FD 97717W703 6,187 84 SH SOLE 0 0 84
YUM BRANDS INC COM 988498101 10,226 75 SH SOLE 0 0 75