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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OMB Number: 3235-0006
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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
Vanguard Real Estate Index Fund ETF Shares ETF 922908553 39,449,678 440,139 SH SOLE 0 0 440,139
Schwab Short-Term U.S. Treasury ETF ETF 808524862 34,629,847 1,451,377 SH SOLE 0 0 1,451,377
DIMENSIONAL ETF TR INTL CORE EQUITY ETF 25434V799 27,094,381 720,404 SH SOLE 0 0 720,404
Avantis U.S. Equity ETF ETF 025072885 24,378,213 190,321 SH SOLE 0 0 190,321
DIMENSIONAL ETF TR SHORT DURAT ION FIXED INCOME ETF 25434V864 22,524,598 484,692 SH SOLE 0 0 484,692
Avantis International Equity ETF ETF 025072703 17,013,596 188,809 SH SOLE 0 0 188,809
Schwab U.S. Broad Market ETF ETF 808524102 15,221,357 519,323 SH SOLE 0 0 519,323
Vanguard Tax-Exempt Bond Index Fund ETF Shares ETF 922907746 14,767,902 311,822 SH SOLE 0 0 311,822
Vanguard S&P 500 ETF ETF 922908363 12,128,382 17,305 SH SOLE 0 0 17,305
Avantis Emerging Markets Equity ETF ETF 025072604 11,466,178 121,955 SH SOLE 0 0 121,955
DIMENSIONAL EMERG MARK CRE EQY 2 ETF ETF 25434V732 10,762,618 270,962 SH SOLE 0 0 270,962
Schwab U.S. REIT ETF ETF 808524847 8,098,050 367,425 SH SOLE 0 0 367,425
Avantis U.S. Small Cap Value ETF ETF 025072877 4,740,299 40,250 SH SOLE 0 0 40,250
Vanguard Total Bond Market Index Fund ETF Shares ETF 921937835 4,348,186 61,984 SH SOLE 0 0 61,984
iShares Edge MSCI USA Quality Factor ETF ETF 46432F339 4,327,457 19,472 SH SOLE 0 0 19,472
AMERICAN CENTURY ETF TRUST AVANTIS U S SMALL CAP EQUITY ETF ETF 025072323 4,321,250 62,500 SH SOLE 0 0 62,500
VANGUARD WELLINGTON FD VANGUARD SHORT TERM TAX EXEMPT BOND ETF ETF 921935870 3,972,012 40,284 SH SOLE 0 0 40,284
Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares ETF 922020805 3,444,798 69,988 SH SOLE 0 0 69,988
iShares MSCI Emerging Markets ex China ETF ETF 46434G764 3,387,545 34,190 SH SOLE 0 0 34,190
iShares 0-5 Year TIPS Bond ETF ETF 46429B747 3,341,146 33,512 SH SOLE 0 0 33,512
Apple Inc COM 037833100 2,632,729 7,906 SH SOLE 0 0 7,906
Invesco QQQ Trust ETF 46090E103 2,382,799 3,221 SH SOLE 0 0 3,221
Schwab International Equity ETF ETF 808524805 2,208,791 80,407 SH SOLE 0 0 80,407
Schwab Intermediate-Term U.S. Treasury ETF ETF 808524854 2,143,842 90,457 SH SOLE 0 0 90,457
Vanguard Growth Index Fund ETF Shares ETF 922908736 2,096,665 23,268 SH SOLE 0 0 23,268
JBG SMITH Properties COM 46590V100 2,014,584 200,656 SH SOLE 0 0 200,656
Avantis International Small Cap Value ETF ETF 025072802 1,971,067 18,020 SH SOLE 0 0 18,020
Vanguard Total Stock Market Index Fund ETF Shares ETF 922908769 1,841,635 4,921 SH SOLE 0 0 4,921
Schwab Emerging Markets Equity ETF ETF 808524706 1,833,689 50,307 SH SOLE 0 0 50,307
Schwab U.S. Large-Cap ETF ETF 808524201 1,800,913 60,030 SH SOLE 0 0 60,030
Vanguard Information Technology Index Fund ETF Shares ETF 92204A702 1,791,552 14,256 SH SOLE 0 0 14,256
Schwab U.S. TIPS ETF ETF 808524870 1,603,268 63,799 SH SOLE 0 0 63,799
Schwab U.S. Small-Cap ETF ETF 808524607 1,509,177 46,251 SH SOLE 0 0 46,251
Vanguard Value Index Fund ETF Shares ETF 922908744 1,356,930 6,280 SH SOLE 0 0 6,280
SPDR S&P 500 ETF Trust ETF 78462F103 1,352,084 1,773 SH SOLE 0 0 1,773
Corporate Office Properties Trust COM 22002T108 1,329,921 39,818 SH SOLE 0 0 39,818
iShares National Muni Bond ETF ETF 464288414 1,313,855 12,996 SH SOLE 0 0 12,996
DFA Dimensional International Core Equity Market ETF 25434V203 1,230,326 29,697 SH SOLE 0 0 29,697
Microsoft Corporation COM 594918104 1,178,134 2,297 SH SOLE 0 0 2,297
Atlantic Union Bankshares Corporation COM 04911A107 1,105,218 29,123 SH SOLE 0 0 29,123
Vanguard ESG U.S. Stock ETF ETF 921910733 1,081,936 7,983 SH SOLE 0 0 7,983
AMERICAN CENTURY ETF TRUST AVANTIS RESPONSIBLE U S EQUITY ETF ETF 025072281 1,059,552 12,039 SH SOLE 0 0 12,039
FORBRIGHT INC CLASS A COMMON STOCK COM 34520K105 1,023,231 60,084 SH SOLE 0 0 60,084
Vanguard Small-Cap Index Fund ETF Shares ETF 922908751 1,022,742 3,595 SH SOLE 0 0 3,595
DIMENSIONAL INTERN SMALL CAP VL ETF ETF 25434V781 903,938 20,881 SH SOLE 0 0 20,881
Eli Lilly and Company COM 532457108 833,699 721 SH SOLE 0 0 721
DIMENSIONAL ETF TRUST DIMENSIONAL EMERGING MARKETS EX CHINA CORE EQUITY ETF ETF 25434V534 804,866 10,100 SH SOLE 0 0 10,100
iShares Russell Top 200 Value ETF ETF 464289420 773,939 7,066 SH SOLE 0 0 7,066
Schwab International Small-Cap Equity ETF ETF 808524888 754,340 15,166 SH SOLE 0 0 15,166
iShares Core S&P 500 ETF COM 464287200 730,621 954 SH SOLE 0 0 954
Capital Bancorp, Inc COM 139737100 707,580 18,000 SH SOLE 0 0 18,000
Vanguard Total International Stock Index Fund ETF Shares ETF 921909768 701,940 8,262 SH SOLE 0 0 8,262
Vanguard Large-Cap Index Fund ETF Shares ETF 922908637 665,700 1,892 SH SOLE 0 0 1,892
Alarm.com Holdings, Inc COM 011642105 649,718 11,928 SH SOLE 0 0 11,928
WisdomTree U.S. High Dividend Fund ETF 97717W208 645,171 5,762 SH SOLE 0 0 5,762
Mastercard Incorporated ETF 57636Q104 640,257 1,161 SH SOLE 0 0 1,161
Vanguard FTSE All-World ex-US Index Fund ETF ETF 922042775 629,493 7,587 SH SOLE 0 0 7,587
DIMENSIONAL ETF TRUST INTERNATNAL VAL ETF 25434V807 586,333 10,496 SH SOLE 0 0 10,496
Amazon.com, Inc COM 023135106 582,014 2,336 SH SOLE 0 0 2,336
Berkshire Hathaway Inc. Class B COM 084670702 535,296 1,075 SH SOLE 0 0 1,075
Alphabet Inc COM 02079K107 532,236 1,562 SH SOLE 0 0 1,562
Vanguard ESG International Stock ETF ETF 921910725 524,847 6,474 SH SOLE 0 0 6,474
Vanguard Mid-Cap Growth Index Fund ETF Shares ETF 922908538 519,354 1,778 SH SOLE 0 0 1,778
Vanguard High Dividend Yield Index Fund ETF Shares ETF 921946406 508,590 3,277 SH SOLE 0 0 3,277
Vanguard Small-Cap Growth Index Fund ETF Shares ETF 922908595 496,610 1,470 SH SOLE 0 0 1,470
iShares MSCI World ETF ETF 464286392 461,955 2,240 SH SOLE 0 0 2,240
DIMENSIONAL ETF TRUST INTERNATIONAL ETF 25434V690 460,734 10,200 SH SOLE 0 0 10,200
The Procter & Gamble Company COM 742718109 455,162 3,133 SH SOLE 0 0 3,133
Vanguard S&P Mid-Cap 400 Value Index Fund ETF Shares ETF 921932844 430,299 4,026 SH SOLE 0 0 4,026
Philip Morris International Inc COM 718172109 423,620 2,220 SH SOLE 0 0 2,220
VANGUARD INSTL INDEX FD VANGUARD 0 3 MONTH TREASURY BILL ETF ETF 922040845 422,215 5,576 SH SOLE 0 0 5,576
McDonald's Corporation COM 580135101 421,004 1,823 SH SOLE 0 0 1,823
Johnson & Johnson COM 478160104 416,436 1,573 SH SOLE 0 0 1,573
Lowe's Companies, Inc COM 548661107 414,653 2,250 SH SOLE 0 0 2,250
Caterpillar Inc COM 149123101 411,881 508 SH SOLE 0 0 508
WisdomTree International High Dividend Fund COM 97717W802 405,739 7,270 SH SOLE 0 0 7,270
DIMENSIONAL ETF TRUST US SUSTAINABILTY ETF 25434V716 398,209 8,442 SH SOLE 0 0 8,442
iShares Select Dividend ETF ETF 464287168 380,175 2,500 SH SOLE 0 0 2,500
ISHARES TRUST ISHARES IBONDS DEC 2030 TERM TREASURY ETF ETF 46436E593 376,306 19,816 SH SOLE 0 0 19,816
ISHARES TRUST IBONDS DEC 2031 TERM CORPORATE ETF ETF 46436E486 376,185 18,753 SH SOLE 0 0 18,753
DFA Dimensional Emerging Core Equity Market ETF ETF 25434V302 371,426 9,449 SH SOLE 0 0 9,449
iShares iBonds Dec 2028 Term Muni Bond ETF COM 46435U325 347,007 13,803 SH SOLE 0 0 13,803
AMERICAN CENTURY ETF TRUST AVANTIS RESPONSIBLE INTL EQUITY ETF ETF 025072299 346,521 4,350 SH SOLE 0 0 4,350
FEDERAL REALTY INVT TR REIT COM 313745101 345,770 3,193 SH SOLE 0 0 3,193
Ryder System, Inc COM 783549108 344,752 1,513 SH SOLE 0 0 1,513
iShares Core S&P Total U.S. Stock Market ETF ETF 464287150 340,541 2,048 SH SOLE 0 0 2,048
DFA Dimensional US Core Equity Market ETF ETF 25434V104 340,327 6,500 SH SOLE 0 0 6,500
Vanguard Health Care Index Fund ETF Shares ETF 92204A504 335,993 1,063 SH SOLE 0 0 1,063
Vanguard Small-Cap Value Index Fund ETF Shares ETF 922908611 328,756 1,423 SH SOLE 0 0 1,423
iShares Core High Dividend ETF ETF 46429B663 326,014 11,660 SH SOLE 0 0 11,660
Bank of America Corporation COM 060505104 320,484 5,888 SH SOLE 0 0 5,888
Vanguard Financials Index Fund ETF Shares ETF 92204A405 301,419 2,317 SH SOLE 0 0 2,317
Vanguard Extended Market Index Fund ETF Shares ETF 922908652 299,961 1,295 SH SOLE 0 0 1,295
Capital One Financial Corporation COM 14040H105 289,605 1,500 SH SOLE 0 0 1,500
iShares Nasdaq Biotechnology ETF ETF 464287556 288,637 1,371 SH SOLE 0 0 1,371
iShares Core MSCI EAFE ETF ETF 46432F842 284,827 2,940 SH SOLE 0 0 2,940
Chevron Corporation COM 166764100 269,557 1,320 SH SOLE 0 0 1,320
VanEck Vectors Semiconductor ETF ETF 92189F676 267,351 439 SH SOLE 0 0 439
DIMENSIONAL EMERGING MARKTS VALUE ETF ETF 25434V740 257,622 6,076 SH SOLE 0 0 6,076
iShares Russell 3000 ETF COM 464287689 242,161 561 SH SOLE 0 0 561
Communication Services Select Sector SPDR Fund ETF 81369Y852 237,476 2,140 SH SOLE 0 0 2,140
iShares Russell Top 200 Growth ETF ETF 464289438 227,965 773 SH SOLE 0 0 773
EXXONMOBIL HLDGS CORP COM COM 30233Q108 227,199 1,396 SH SOLE 0 0 1,396
iShares MSCI EAFE ETF ETF 464287465 227,104 2,186 SH SOLE 0 0 2,186
Vanguard S&P Small-Cap 600 Value Index Fund ETF Shares ETF 921932778 226,380 2,058 SH SOLE 0 0 2,058
iShares Russell 1000 Growth ETF ETF 464287614 215,447 1,720 SH SOLE 0 0 1,720
WisdomTree Emerging Markets SmallCap Dividend Fund ETF 97717W281 212,348 3,361 SH SOLE 0 0 3,361
iShares Core MSCI Emerging Markets ETF ETF 46434G103 209,361 2,580 SH SOLE 0 0 2,580
CSX Corporation COM 126408103 207,109 4,453 SH SOLE 0 0 4,453
Lockheed Martin Corporation COM 539830109 203,700 400 SH SOLE 0 0 400
Health Care Select Sector SPDR Fund ETF 81369Y209 202,104 1,200 SH SOLE 0 0 1,200
Truist Financial Corp COM 89832Q109 202,053 4,364 SH SOLE 0 0 4,364