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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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   258,762 2,288 SH   SOLE   0 0 2,288
ABBVIE INC COM 00287Y109   233,861 1,316 SH   SOLE   0 0 1,316
ALPHABET INC CAP STK CL A 02079K305   460,464 2,432 SH   SOLE   0 0 2,432
ALPHABET INC CAP STK CL C 02079K107   491,129 2,579 SH   SOLE   0 0 2,579
AMAZON COM INC COM 023135106   1,345,299 6,132 SH   SOLE   0 0 6,132
APPLE INC COM 037833100   1,634,477 6,527 SH   SOLE   0 0 6,527
ATLANTIC UN BANKSHARES CORP COM 04911A107   227,295 6,000 SH   SOLE   0 0 6,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   756,524 1,669 SH   SOLE   0 0 1,669
BROADCOM INC COM 11135F101   337,791 1,457 SH   SOLE   0 0 1,457
CAPITAL ONE FINL CORP COM 14040H105   269,442 1,511 SH   SOLE   0 0 1,511
CARDINAL HEALTH INC COM 14149Y108   255,818 2,163 SH   SOLE   0 0 2,163
CARTER BANKSHARES INC COM NEW 146103106   255,882 14,547 SH   SOLE   0 0 14,547
CHEVRON CORP COM 166764100   307,712 2,124 SH   SOLE   0 0 2,124
CSX CORP COM 126408103   510,382 15,816 SH   SOLE   0 0 15,816
CVS HEALTH CORP COM 126650100   265,096 5,905 SH   SOLE   0 0 5,905
DANAHER CORPORATION COM 235851102   432,934 1,886 SH   SOLE   0 0 1,886
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   335,159 9,446 SH   SOLE   0 0 9,446
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   714,021 20,642 SH   SOLE   0 0 20,642
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,055,362 18,961 SH   SOLE   0 0 18,961
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   667,956 26,869 SH   SOLE   0 0 26,869
EDWARDS LIFESCIENCES CORP COM 28176E108   857,564 11,584 SH   SOLE   0 0 11,584
EXXON MOBIL CORP COM 30231G102   1,350,111 12,551 SH   SOLE   0 0 12,551
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107   1,139,661 6,566 SH   SOLE   0 0 6,566
GE AEROSPACE COM NEW 369604301   564,060 3,382 SH   SOLE   0 0 3,382
GE VERNOVA INC COM 36828A101   275,643 838 SH   SOLE   0 0 838
HESS CORP COM 42809H107   598,013 4,496 SH   SOLE   0 0 4,496
ISHARES TR COHEN STEER REIT 464287564   207,656 3,446 SH   SOLE   0 0 3,446
ISHARES TR CORE INTL AGGR 46435G672   2,674,721 53,580 SH   SOLE   0 0 53,580
ISHARES TR CORE MSCI EAFE 46432F842   616,844 8,777 SH   SOLE   0 0 8,777
ISHARES TR CORE S&P500 ETF 464287200   833,414 1,416 SH   SOLE   0 0 1,416
ISHARES TR CORE S&P MCP ETF 464287507   337,839 5,422 SH   SOLE   0 0 5,422
ISHARES TR CORE S&P SCP ETF 464287804   328,687 2,853 SH   SOLE   0 0 2,853
ISHARES TR CORE US AGGBD ET 464287226   549,004 5,666 SH   SOLE   0 0 5,666
ISHARES TR MSCI EAFE ETF 464287465   844,253 11,166 SH   SOLE   0 0 11,166
ISHARES TR EAFE SML CP ETF 464288273   2,932,066 48,264 SH   SOLE   0 0 48,264
ISHARES TR MSCI EMG MKT ETF 464287234   223,528 5,345 SH   SOLE   0 0 5,345
ISHARES TR MSCI EMRG CHN 46434G764   528,141 9,525 SH   SOLE   0 0 9,525
ISHARES TR NATIONAL MUN ETF 464288414   3,784,411 35,518 SH   SOLE   0 0 35,518
ISHARES TR RUS 1000 GRW ETF 464287614   1,542,067 3,840 SH   SOLE   0 0 3,840
ISHARES TR RUS 1000 VAL ETF 464287598   768,104 4,149 SH   SOLE   0 0 4,149
ISHARES TR RUS 2000 VAL ETF 464287630   208,308 1,269 SH   SOLE   0 0 1,269
ISHARES TR RUSSELL 3000 ETF 464287689   297,817 891 SH   SOLE   0 0 891
ISHARES TR RUS MD CP GR ETF 464287481   431,367 3,403 SH   SOLE   0 0 3,403
ISHARES TR RUS MDCP VAL ETF 464287473   376,250 2,909 SH   SOLE   0 0 2,909
ISHARES TR S&P 500 GRWT ETF 464287309   389,867 3,840 SH   SOLE   0 0 3,840
ISHARES TR S&P 500 VAL ETF 464287408   266,544 1,396 SH   SOLE   0 0 1,396
ISHARES TR SHRT NAT MUN ETF 464288158   8,961,806 84,962 SH   SOLE   0 0 84,962
ISHARES TR U S EQUITY FACTR 46434V282   1,235,777 20,477 SH   SOLE   0 0 20,477
JOHNSON & JOHNSON COM 478160104   407,042 2,815 SH   SOLE   0 0 2,815
LOWES COS INC COM 548661107   579,424 2,348 SH   SOLE   0 0 2,348
MCDONALDS CORP COM 580135101   467,347 1,612 SH   SOLE   0 0 1,612
META PLATFORMS INC CL A 30303M102   361,260 617 SH   SOLE   0 0 617
MICROSOFT CORP COM 594918104   935,099 2,219 SH   SOLE   0 0 2,219
MONDELEZ INTL INC CL A 609207105   229,065 3,835 SH   SOLE   0 0 3,835
NATIONAL BANKSHARES INC VA COM COM 634865109   418,588 14,580 SH   SOLE   0 0 14,580
NIKE INC CL B 654106103   671,262 8,871 SH   SOLE   0 0 8,871
NORFOLK SOUTHN CORP COM 655844108   1,971,949 8,402 SH   SOLE   0 0 8,402
PEPSICO INC COM 713448108   212,675 1,399 SH   SOLE   0 0 1,399
PFIZER INC COM 717081103   234,400 8,835 SH   SOLE   0 0 8,835
PHILIP MORRIS INTL INC COM 718172109   302,680 2,515 SH   SOLE   0 0 2,515
PROCTER AND GAMBLE CO COM 742718109   584,639 3,487 SH   SOLE   0 0 3,487
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   301,494 13,282 SH   SOLE   0 0 13,282
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   206,529 485 SH   SOLE   0 0 485
SPDR SER TR PORTFOLIO AGRGTE 78464A649   2,330,643 93,263 SH   SOLE   0 0 93,263
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   7,346,978 215,265 SH   SOLE   0 0 215,265
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,460,502 64,126 SH   SOLE   0 0 64,126
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,861,970 32,559 SH   SOLE   0 0 32,559
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,409,519 47,116 SH   SOLE   0 0 47,116
SPDR SER TR PORTFOLIO SH TSR 78468R101   1,477,957 50,946 SH   SOLE   0 0 50,946
SPDR S&P 500 ETF TR TR UNIT 78462F103   540,383 922 SH   SOLE   0 0 922
SPDR SER TR S&P 600 SMCP GRW 78464A201   983,904 10,890 SH   SOLE   0 0 10,890
SPDR SER TR S&P 600 SMCP VAL 78464A300   2,228,754 25,544 SH   SOLE   0 0 25,544
STEEL DYNAMICS INC COM 858119100   855,981 7,504 SH   SOLE   0 0 7,504
TESLA INC COM 88160R101   302,880 750 SH   SOLE   0 0 750
TEXAS PACIFIC LAND CORPORATION COM 88262P102   789,655 714 SH   SOLE   0 0 714
TRUIST FINL CORP COM 89832Q109   593,438 13,680 SH   SOLE   0 0 13,680
UDR INC COM 902653104   536,895 12,368 SH   SOLE   0 0 12,368
UNION PAC CORP COM 907818108   273,648 1,200 SH   SOLE   0 0 1,200
UNITEDHEALTH GROUP INC COM 91324P102   212,967 421 SH   SOLE   0 0 421
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   3,197,659 16,832 SH   SOLE   0 0 16,832
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,683,843 29,330 SH   SOLE   0 0 29,330
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   11,682,121 102,045 SH   SOLE   0 0 102,045
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   36,542,288 764,163 SH   SOLE   0 0 764,163
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   13,166,024 298,956 SH   SOLE   0 0 298,956
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,239,325 31,328 SH   SOLE   0 0 31,328
VANGUARD INDEX FDS GROWTH ETF 922908736   58,940,115 143,602 SH   SOLE   0 0 143,602
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,402,926 18,773 SH   SOLE   0 0 18,773
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   5,462,395 68,050 SH   SOLE   0 0 68,050
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,386,792 8,850 SH   SOLE   0 0 8,850
VANGUARD INDEX FDS MID CAP ETF 922908629   3,766,368 14,260 SH   SOLE   0 0 14,260
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   349,168 1,376 SH   SOLE   0 0 1,376
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   217,070 1,342 SH   SOLE   0 0 1,342
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   13,165,026 147,789 SH   SOLE   0 0 147,789
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,720,679 10,617 SH   SOLE   0 0 10,617
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   32,471,400 420,233 SH   SOLE   0 0 420,233
VANGUARD INDEX FDS SM CP VAL ETF 922908611   18,564,930 93,677 SH   SOLE   0 0 93,677
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,673,798 6,966 SH   SOLE   0 0 6,966
VANGUARD INDEX FDS SML CP GRW ETF 922908595   17,703,256 63,212 SH   SOLE   0 0 63,212
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   10,476,267 208,982 SH   SOLE   0 0 208,982
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   61,401,371 853,864 SH   SOLE   0 0 853,864
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   46,113,173 940,126 SH   SOLE   0 0 940,126
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,098,115 18,634 SH   SOLE   0 0 18,634
VANGUARD INDEX FDS TOTAL STK MKT 922908769   10,426,405 35,977 SH   SOLE   0 0 35,977
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   2,729,493 20,903 SH   SOLE   0 0 20,903
VANGUARD INDEX FDS VALUE ETF 922908744   49,868,017 294,554 SH   SOLE   0 0 294,554
WALMART INC COM 931142103   551,858 6,108 SH   SOLE   0 0 6,108
WILLIAMS COS INC COM 969457100   218,915 4,045 SH   SOLE   0 0 4,045