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 A 02079K305 545,023 1,584 SH SOLE 0 0 1,584
ALPHABET INC CAP STK CL C 02079K107 369,363 1,084 SH SOLE 0 0 1,084
AMAZON COM INC COM 023135106 369,241 1,482 SH SOLE 0 0 1,482
APPLE INC COM 037833100 1,489,932 4,474 SH SOLE 0 0 4,474
BANK OF AMER CORP COM 060505104 242,160 4,449 SH SOLE 0 0 4,449
BANK OF THE JAMES FINL GP IN COM 470299108 356,759 13,297 SH SOLE 0 0 13,297
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 829,099 16,093 SH SOLE 0 0 16,093
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 413,797 831 SH SOLE 0 0 831
CAPITAL ONE FINL CORP COM 14040H105 345,789 1,791 SH SOLE 0 0 1,791
CATERPILLAR INC COM 149123101 323,506 399 SH SOLE 0 0 399
CHEVRON CORPORATION COM 166764100 297,739 1,458 SH SOLE 0 0 1,458
CISCO SYS INC COM 17275R102 213,538 1,984 SH SOLE 0 0 1,984
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 487,001 11,247 SH SOLE 0 0 11,247
GE AEROSPACE COM NEW 369604301 290,742 931 SH SOLE 0 0 931
GE VERNOVA INC COM 36828A101 217,663 229 SH SOLE 0 0 229
GOLDMAN SACHS GROUP INC COM 38141G104 218,788 243 SH SOLE 0 0 243
ISHARES INC CORE MSCI EMKT 46434G103 260,605 3,211 SH SOLE 0 0 3,211
ISHARES TR CORE S&P TTL STK 464287150 30,321,849 182,354 SH SOLE 0 0 182,354
ISHARES TR CORE S&P500 ETF 464287200 280,302 366 SH SOLE 0 0 366
ISHARES TR CORE MSCI TOTAL 46432F834 20,852,708 219,525 SH SOLE 0 0 219,525
ISHARES TR ESG AWR MSCI USA 46435G425 303,410 1,819 SH SOLE 0 0 1,819
ISHARES TR CORE MSCI EAFE 46432F842 506,295 5,226 SH SOLE 0 0 5,226
ISHARES TR GLOBAL TECH ETF 464287291 656,467 4,429 SH SOLE 0 0 4,429
ISHARES TR RUS 1000 GRW ETF 464287614 665,163 5,310 SH SOLE 0 0 5,310
ISHARES TR GLOBAL FINLS ETF 464287333 313,690 2,470 SH SOLE 0 0 2,470
ISHARES TR MSCI EAFE ETF 464287465 245,596 2,364 SH SOLE 0 0 2,364
JOHNSON & JOHNSON COM 478160104 249,386 942 SH SOLE 0 0 942
JPMORGAN CHASE & CO COM 46625H100 761,240 2,301 SH SOLE 0 0 2,301
META PLATFORMS INC CL A 30303M102 576,519 795 SH SOLE 0 0 795
MICROSOFT CORP COM 594918104 972,972 1,897 SH SOLE 0 0 1,897
NVIDIA CORPORATION COM 67066G104 235,232 1,030 SH SOLE 0 0 1,030
RTX CORPORATION COM 75513E101 226,493 1,220 SH SOLE 0 0 1,220
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 674,100 17,092 SH SOLE 0 0 17,092
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 2,950,858 27,112 SH SOLE 0 0 27,112
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 3,068,841 18,378 SH SOLE 0 0 18,378
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 3,121,724 18,535 SH SOLE 0 0 18,535
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 3,306,079 61,912 SH SOLE 0 0 61,912
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 900,721 14,646 SH SOLE 0 0 14,646
SELECT SECTOR SPDR TR ST STR MATER ETF 81369Y100 716,196 14,706 SH SOLE 0 0 14,706
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 1,957,412 17,639 SH SOLE 0 0 17,639
SELECT SECTOR SPDR TR ST STR REAL ETF 81369Y860 508,656 12,434 SH SOLE 0 0 12,434
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 13,708,150 70,029 SH SOLE 0 0 70,029
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 1,251,303 15,525 SH SOLE 0 0 15,525
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,653,259 2,168 SH SOLE 0 0 2,168
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 832,709 1,268 SH SOLE 0 0 1,268
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 481,281 1,055 SH SOLE 0 0 1,055
TARGA RES CORP COM 87612G101 380,056 1,406 SH SOLE 0 0 1,406
TESLA INC COM 88160R101 939,892 2,649 SH SOLE 0 0 2,649
TRUIST FINL CORP COM 89832Q109 1,738,704 37,553 SH SOLE 0 0 37,553
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 1,569,586 31,677 SH SOLE 0 0 31,677
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 435,602 4,860 SH SOLE 0 0 4,860
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 492,792 6,284 SH SOLE 0 0 6,284
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 255,623 1,183 SH SOLE 0 0 1,183
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 1,550,603 4,407 SH SOLE 0 0 4,407
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,566,550 3,662 SH SOLE 0 0 3,662
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 5,916,602 25,543 SH SOLE 0 0 25,543
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 20,972,037 56,039 SH SOLE 0 0 56,039
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,474,712 17,774 SH SOLE 0 0 17,774
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 415,819 2,634 SH SOLE 0 0 2,634
VANGUARD STAR FDS VG TL INTL STK F 921909768 11,755,125 138,361 SH SOLE 0 0 138,361
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,424,698 20,177 SH SOLE 0 0 20,177
VANGUARD WORLD FD FINANCIALS ETF 92204A405 2,422,927 18,625 SH SOLE 0 0 18,625
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 1,571,042 4,308 SH SOLE 0 0 4,308
VANGUARD WORLD FD MATERIALS ETF 92204A801 335,546 1,538 SH SOLE 0 0 1,538
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 1,466,654 4,576 SH SOLE 0 0 4,576
VANGUARD WORLD FD CONSUM STP ETF 92204A207 1,053,899 4,830 SH SOLE 0 0 4,830
VANGUARD WORLD FD INF TECH ETF 92204A702 6,193,018 49,280 SH SOLE 0 0 49,280
VANGUARD WORLD FD COMM SRVC ETF 92204A884 2,202,268 11,555 SH SOLE 0 0 11,555
VANGUARD WORLD FD ENERGY ETF 92204A306 887,592 5,156 SH SOLE 0 0 5,156
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 2,257,760 7,143 SH SOLE 0 0 7,143
VANGUARD WORLD FD UTILITIES ETF 92204A876 344,907 2,017 SH SOLE 0 0 2,017
VERIZON COMMUNICATIONS INC COM 92343V104 239,534 5,222 SH SOLE 0 0 5,222
VISA INC COM CL A 92826C839 868,501 2,417 SH SOLE 0 0 2,417