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
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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 401,885 1,168 SH SOLE 0 0 0 1,168
AMAZON COM INC COM 023135106 697,620 2,800 SH SOLE 0 0 0 2,800
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 9,421,785 100,210 SH SOLE 0 0 0 100,210
APPLE INC COM 037833100 1,164,340 3,496 SH SOLE 0 0 0 3,496
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 485,003 974 SH SOLE 0 0 0 974
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 29,141,927 420,761 SH SOLE 0 0 0 420,761
DOLLAR TREE INC COM 256746108 208,771 1,831 SH SOLE 0 0 0 1,831
GLOBAL X FDS US INFR DEV ETF 37954Y673 289,422 5,513 SH SOLE 0 0 0 5,513
ISHARES TR CORE MSCI EAFE 46432F842 33,148,272 342,158 SH SOLE 0 0 0 342,158
ISHARES TR 7-10 YR TRSY BD 464287440 325,257 3,642 SH SOLE 0 0 0 3,642
ISHARES TR RUS 1000 VAL ETF 464287598 216,195 872 SH SOLE 0 0 0 872
ISHARES TR RUS 1000 GRW ETF 464287614 1,282,537 10,239 SH SOLE 0 0 0 10,239
ISHARES TR GLOBAL TECH ETF 464287291 691,891 4,668 SH SOLE 0 0 0 4,668
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 25,466,927 345,080 SH SOLE 0 0 0 345,080
JPMORGAN CHASE & CO COM 46625H100 200,425 606 SH SOLE 0 0 0 606
META PLATFORMS INC CL A 30303M102 262,515 362 SH SOLE 0 0 0 362
MICROSOFT CORP COM 594918104 825,196 1,609 SH SOLE 0 0 0 1,609
NORFOLK SOUTHN CORP COM 655844108 1,065,790 3,449 SH SOLE 0 0 0 3,449
NVIDIA CORPORATION COM 67066G104 1,308,228 5,728 SH SOLE 0 0 0 5,728
PROCTER & GAMBLE CO COM 742718109 230,176 1,584 SH SOLE 0 0 0 1,584
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,316,308 40,464 SH SOLE 0 0 0 40,464
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 615,780 3,146 SH SOLE 0 0 0 3,146
SPDR SERIES TRUST ST STR P500ETF 78464A854 67,395,052 750,836 SH SOLE 0 0 0 750,836
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 286,253 563 SH SOLE 0 0 0 563
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 29,209,094 38,300 SH SOLE 0 0 0 38,300
TESLA INC COM 88160R101 577,276 1,627 SH SOLE 0 0 0 1,627
TOWNEBANK PORTSMOUTH VA COM 89214P109 297,444 8,343 SH SOLE 0 0 0 8,343
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,139,167 1,625 SH SOLE 0 0 0 1,625
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 205,868 2,719 SH SOLE 0 0 0 2,719
VANGUARD MALVERN FDS CORE BD ETF 922020748 30,669,995 416,599 SH SOLE 0 0 0 416,599
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 278,767 3,948 SH SOLE 0 0 0 3,948
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 19,719,787 194,994 SH SOLE 0 0 0 194,994