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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
POST HLDGS INC COM 737446104   201,489 2,350 SH   SOLE   2,350 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   202,910 1,000 SH   SOLE   1,000 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   204,450 2,525 SH   SOLE   2,525 0 0
TEXAS INSTRS INC COM 882508104   206,395 1,298 SH   SOLE   1,298 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   209,487 2,684 SH   SOLE   2,684 0 0
ISHARES TR US AER DEF ETF 464288760   214,590 2,025 SH   SOLE   2,025 0 0
ATLANTIC UN BANKSHARES CORP COM 04911A107   217,174 7,546 SH   SOLE   6,085 0 1,461
GENERAL DYNAMICS CORP COM 369550108   221,854 1,004 SH   SOLE   1,004 0 0
KRAFT HEINZ CO COM 500754106   233,428 6,939 SH   SOLE   6,939 0 0
CONSOLIDATED EDISON INC COM 209115104   235,208 2,750 SH   SOLE   2,750 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   243,403 4,693 SH   SOLE   4,693 0 0
BWX TECHNOLOGIES INC COM 05605H100   245,110 3,269 SH   SOLE   3,269 0 0
QUALCOMM INC COM 747525103   250,996 2,260 SH   SOLE   2,260 0 0
INTERDIGITAL INC COM 45867G101   252,756 3,150 SH   SOLE   3,150 0 0
ILLINOIS TOOL WKS INC COM 452308109   253,341 1,100 SH   SOLE   1,100 0 0
ARCH CAP GROUP LTD ORD G0450A105   253,478 3,180 SH   SOLE   3,180 0 0
CAPITAL ONE FINL CORP COM 14040H105   265,432 2,735 SH   SOLE   2,135 0 600
VANGUARD WORLD FD MEGA GRWTH IND 921910816   269,331 1,187 SH   SOLE   1,187 0 0
BARNES GROUP INC COM 067806109   276,856 8,150 SH   SOLE   8,150 0 0
PACCAR INC COM 693718108   277,336 3,262 SH   SOLE   3,262 0 0
ROCKWELL AUTOMATION INC COM 773903109   280,725 982 SH   SOLE   982 0 0
3M CO COM 88579Y101   280,767 2,999 SH   SOLE   2,999 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   283,255 1,905 SH   SOLE   1,905 0 0
NORTHROP GRUMMAN CORP COM 666807102   283,923 645 SH   SOLE   645 0 0
CONOCOPHILLIPS COM 20825C104   288,359 2,407 SH   SOLE   2,407 0 0
SYNOVUS FINL CORP COM NEW 87161C501   288,898 10,392 SH   SOLE   10,392 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   296,270 2,148 SH   SOLE   2,148 0 0
CATERPILLAR INC COM 149123101   296,751 1,087 SH   SOLE   1,087 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100   301,491 867 SH   SOLE   867 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   322,307 6,625 SH   SOLE   6,425 0 200
GENERAL ELECTRIC CO COM NEW 369604301   326,565 2,954 SH   SOLE   2,954 0 0
ISHARES TR S&P MC 400VL ETF 464287705   327,014 3,240 SH   SOLE   3,240 0 0
PHILLIPS 66 COM 718546104   328,611 2,735 SH   SOLE   2,735 0 0
AMERICAN EXPRESS CO COM 025816109   328,666 2,203 SH   SOLE   2,203 0 0
NEXTERA ENERGY INC COM 65339F101   331,194 5,781 SH   SOLE   5,781 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   335,058 1,091 SH   SOLE   1,091 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   338,119 2,120 SH   SOLE   2,120 0 0
CANADIAN NATL RY CO COM 136375102   339,615 3,135 SH   SOLE   3,135 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   342,992 1,706 SH   SOLE   1,706 0 0
EMERSON ELEC CO COM 291011104   348,811 3,612 SH   SOLE   3,612 0 0
ISHARES TR INTRM GOV CR ETF 464288612   353,845 3,492 SH   SOLE   3,492 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   358,296 2,360 SH   SOLE   2,360 0 0
DOLLAR TREE INC COM 256746108   367,253 3,450 SH   SOLE   3,450 0 0
ISHARES TR US CONSUM DISCRE 464287580   368,225 5,500 SH   SOLE   5,500 0 0
SKYWORKS SOLUTIONS INC COM 83088M102   375,826 3,812 SH   SOLE   3,812 0 0
THE CIGNA GROUP COM 125523100   377,041 1,318 SH   SOLE   1,318 0 0
WELLTOWER INC COM 95040Q104   378,880 4,625 SH   SOLE   4,409 0 216
VENTAS INC COM 92276F100   379,170 9,000 SH   SOLE   9,000 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   381,234 1,400 SH   SOLE   1,400 0 0
CINCINNATI FINL CORP COM 172062101   383,588 3,750 SH   SOLE   3,750 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   385,552 7,838 SH   SOLE   7,838 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   389,914 11,755 SH   SOLE   11,305 0 450
ISHARES TR MSCI USA MIN VOL 46429B697   397,497 5,492 SH   SOLE   5,492 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   406,819 3,160 SH   SOLE   3,160 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   408,443 1,961 SH   SOLE   1,961 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100   419,237 8,735 SH   SOLE   8,735 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   419,467 1,577 SH   SOLE   1,577 0 0
GENERAL MLS INC COM 370334104   422,334 6,600 SH   SOLE   6,600 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   424,764 4,860 SH   SOLE   4,860 0 0
NIKE INC CL B 654106103   429,908 4,496 SH   SOLE   4,496 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   431,238 7,430 SH   SOLE   7,430 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   440,114 2,072 SH   SOLE   2,072 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   444,181 2,270 SH   SOLE   2,270 0 0
ISHARES TR U.S. MED DVC ETF 464288810   446,685 9,210 SH   SOLE   9,210 0 0
APPLIED MATLS INC COM 038222105   447,748 3,234 SH   SOLE   3,234 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   454,296 8,230 SH   SOLE   8,230 0 0
BEST BUY INC COM 086516101   467,186 6,725 SH   SOLE   6,725 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109   470,588 3,352 SH   SOLE   3,352 0 0
MONDELEZ INTL INC CL A 609207105   475,113 6,846 SH   SOLE   6,846 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   478,334 7,295 SH   SOLE   7,295 0 0
UNITEDHEALTH GROUP INC COM 91324P102   478,981 950 SH   SOLE   950 0 0
NVIDIA CORPORATION COM 67066G104   479,359 1,102 SH   SOLE   1,102 0 0
MARATHON PETE CORP COM 56585A102   485,499 3,208 SH   SOLE   3,208 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   499,084 986 SH   SOLE   986 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   516,650 2,733 SH   SOLE   2,733 0 0
COSTCO WHSL CORP NEW COM 22160K105   526,938 933 SH   SOLE   933 0 0
WELLS FARGO CO NEW COM 949746101   543,526 13,302 SH   SOLE   13,258 0 44
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   548,084 11,592 SH   SOLE   11,592 0 0
AFLAC INC COM 001055102   561,273 7,313 SH   SOLE   7,313 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   562,862 5,552 SH   SOLE   5,552 0 0
AMERICAN ELEC PWR CO INC COM 025537101   576,385 7,663 SH   SOLE   7,663 0 0
LOCKHEED MARTIN CORP COM 539830109   590,539 1,444 SH   SOLE   1,444 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103   601,805 2,880 SH   SOLE   2,880 0 0
ALTRIA GROUP INC COM 02209S103   612,375 14,563 SH   SOLE   14,563 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   615,047 11,122 SH   SOLE   11,122 0 0
BECTON DICKINSON & CO COM 075887109   623,058 2,410 SH   SOLE   2,410 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   623,134 11,643 SH   SOLE   11,443 0 200
AT&T INC COM 00206R102   631,892 42,070 SH   SOLE   41,438 0 632
INTEL CORP COM 458140100   665,177 18,711 SH   SOLE   18,711 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   677,652 13,316 SH   SOLE   13,316 0 0
CSX CORP COM 126408103   680,313 22,124 SH   SOLE   20,294 0 1,830
AMGEN INC COM 031162100   691,363 2,572 SH   SOLE   2,572 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   694,890 11,792 SH   SOLE   11,792 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   705,600 28,800 SH   SOLE   28,800 0 0
GENERAL MTRS CO COM 37045V100   763,948 23,171 SH   SOLE   23,171 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   774,829 4,384 SH   SOLE   4,384 0 0
SHERWIN WILLIAMS CO COM 824348106   819,986 3,215 SH   SOLE   3,215 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   894,511 11,903 SH   SOLE   11,903 0 0
UNITED PARCEL SERVICE INC CL B 911312106   902,020 5,787 SH   SOLE   5,577 0 210
BROADCOM INC COM 11135F101   965,134 1,162 SH   SOLE   1,162 0 0
LOWES COS INC COM 548661107   965,417 4,645 SH   SOLE   4,645 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   987,078 7,035 SH   SOLE   6,735 0 300
SHELL PLC SPON ADS 780259305   1,034,394 16,067 SH   SOLE   16,067 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,045,690 25,246 SH   SOLE   25,246 0 0
ELI LILLY & CO COM 532457108   1,057,609 1,969 SH   SOLE   1,969 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,114,392 7,865 SH   SOLE   7,865 0 0
SCHWAB CHARLES CORP COM 808513105   1,154,672 21,032 SH   SOLE   21,032 0 0
AMERICAN TOWER CORP NEW COM 03027X100   1,188,316 7,226 SH   SOLE   7,194 0 32
ISHARES TR CORE HIGH DV ETF 46429B663   1,200,130 12,136 SH   SOLE   12,004 0 132
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,222,671 16,092 SH   SOLE   16,092 0 0
PHILIP MORRIS INTL INC COM 718172109   1,359,260 14,682 SH   SOLE   14,682 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,385,555 8,607 SH   SOLE   8,607 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   1,421,516 16,106 SH   SOLE   16,106 0 0
COCA COLA CO COM 191216100   1,495,002 26,706 SH   SOLE   26,706 0 0
ISHARES TR PFD AND INCM SEC 464288687   1,499,209 49,725 SH   SOLE   49,425 0 300
VISA INC COM CL A 92826C839   1,515,306 6,588 SH   SOLE   6,482 0 106
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,528,829 30,214 SH   SOLE   30,214 0 0
MCDONALDS CORP COM 580135101   1,563,253 5,934 SH   SOLE   5,934 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,579,630 9,636 SH   SOLE   9,636 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   1,628,246 6,768 SH   SOLE   5,968 0 800
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,731,495 15,738 SH   SOLE   15,738 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,772,843 18,852 SH   SOLE   18,552 0 300
ISHARES TR CORE S&P500 ETF 464287200   1,862,868 4,338 SH   SOLE   4,338 0 0
UNION PAC CORP COM 907818108   1,920,231 9,430 SH   SOLE   9,430 0 0
PFIZER INC COM 717081103   1,978,500 59,647 SH   SOLE   59,647 0 0
ELEVANCE HEALTH INC COM 036752103   1,980,726 4,549 SH   SOLE   4,525 0 24
BANK OF THE JAMES FINL GP IN COM 470299108   2,033,024 198,344 SH   SOLE   198,344 0 0
KIMBERLY-CLARK CORP COM 494368103   2,205,150 18,247 SH   SOLE   18,247 0 0
ALPHABET INC CAP STK CL C 02079K107   2,426,040 18,400 SH   SOLE   18,400 0 0
ENBRIDGE INC COM 29250N105   2,449,225 73,024 SH   SOLE   73,024 0 0
MEDTRONIC PLC SHS G5960L103   2,508,539 32,013 SH   SOLE   31,853 0 160
META PLATFORMS INC CL A 30303M102   2,545,781 8,480 SH   SOLE   8,480 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,549,765 36,996 SH   SOLE   36,996 0 0
TRUIST FINL CORP COM 89832Q109   2,581,309 90,224 SH   SOLE   88,781 0 1,443
SOUTHERN CO COM 842587107   2,616,630 40,430 SH   SOLE   39,980 0 450
STARBUCKS CORP COM 855244109   2,746,315 30,090 SH   SOLE   30,090 0 0
ORACLE CORP COM 68389X105   2,770,020 26,152 SH   SOLE   26,152 0 0
DOMINION ENERGY INC COM 25746U109   2,864,554 64,127 SH   SOLE   63,595 0 532
ISHARES TR U.S. FINLS ETF 464287788   2,923,640 39,107 SH   SOLE   39,107 0 0
ISHARES TR CORE S&P SCP ETF 464287804   3,004,546 31,851 SH   SOLE   31,851 0 0
BOEING CO COM 097023105   3,230,959 16,856 SH   SOLE   16,756 0 100
MERCK & CO INC COM 58933Y105   3,488,756 33,888 SH   SOLE   33,888 0 0
ISHARES TR U.S. TECH ETF 464287721   3,594,245 34,257 SH   SOLE   34,257 0 0
ADOBE INC COM 00724F101   3,753,374 7,361 SH   SOLE   7,361 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   3,767,004 41,675 SH   SOLE   41,600 0 75
SPDR SER TR S&P DIVID ETF 78464A763   4,235,474 36,827 SH   SOLE   36,827 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,364,481 11,114 SH   SOLE   11,114 0 0
DISNEY WALT CO COM 254687106   4,373,296 53,958 SH   SOLE   53,591 0 367
RTX CORPORATION COM 75513E101   4,599,243 63,905 SH   SOLE   63,575 0 330
ISHARES TR US HLTHCARE ETF 464287762   4,632,781 17,154 SH   SOLE   16,988 0 166
VERIZON COMMUNICATIONS INC COM 92343V104   4,965,290 153,202 SH   SOLE   152,238 0 964
COMCAST CORP NEW CL A 20030N101   5,119,813 115,467 SH   SOLE   115,021 0 446
NORFOLK SOUTHN CORP COM 655844108   5,477,018 27,812 SH   SOLE   27,746 0 66
ABBOTT LABS COM 002824100   5,782,236 59,703 SH   SOLE   59,221 0 482
AMAZON COM INC COM 023135106   5,841,164 45,950 SH   SOLE   45,858 0 92
ISHARES TR CORE S&P MCP ETF 464287507   6,075,536 24,365 SH   SOLE   24,365 0 0
FEDEX CORP COM 31428X106   6,250,788 23,595 SH   SOLE   23,595 0 0
HONEYWELL INTL INC COM 438516106   6,793,999 36,776 SH   SOLE   36,510 0 266
BANK AMERICA CORP COM 060505104   6,800,541 248,376 SH   SOLE   235,980 0 12,396
CISCO SYS INC COM 17275R102   7,006,927 130,337 SH   SOLE   129,805 0 532
CVS HEALTH CORP COM 126650100   7,057,965 101,088 SH   SOLE   100,231 0 857
INVESCO QQQ TR UNIT SER 1 46090E103   7,071,175 19,737 SH   SOLE   19,637 0 100
ABBVIE INC COM 00287Y109   7,473,869 50,140 SH   SOLE   49,940 0 200
CHEVRON CORP NEW COM 166764100   8,018,725 47,555 SH   SOLE   47,273 0 282
WALMART INC COM 931142103   8,943,643 55,922 SH   SOLE   55,772 0 150
JOHNSON & JOHNSON COM 478160104   10,124,436 65,004 SH   SOLE   65,004 0 0
JPMORGAN CHASE & CO COM 46625H100   10,178,519 70,187 SH   SOLE   69,857 0 330
PEPSICO INC COM 713448108   10,518,158 62,076 SH   SOLE   61,746 0 330
HOME DEPOT INC COM 437076102   10,752,228 35,585 SH   SOLE   35,475 0 110
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   11,120,636 71,571 SH   SOLE   71,341 0 230
ALPHABET INC CAP STK CL A 02079K305   11,752,275 89,808 SH   SOLE   89,808 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   12,465,426 35,585 SH   SOLE   35,485 0 100
PROCTER AND GAMBLE CO COM 742718109   12,741,309 87,353 SH   SOLE   86,887 0 466
EXXON MOBIL CORP COM 30231G102   13,714,526 116,640 SH   SOLE   114,706 0 1,934
SPDR S&P 500 ETF TR TR UNIT 78462F103   19,635,012 45,932 SH   SOLE   45,932 0 0
APPLE INC COM 037833100   22,030,618 128,676 SH   SOLE   128,150 0 526
MICROSOFT CORP COM 594918104   23,774,969 75,297 SH   SOLE   74,770 0 527