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
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
3M CO COM 88579Y101 BBG001S5T7X2 465,362 3,605 SH   SOLE   0 0 3,605
ABBOTT LABS COM 002824100 BBG001S5N9M6 521,776 4,613 SH   SOLE   0 0 4,613
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 673,838 3,792 SH   SOLE   0 0 3,792
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 319,074 907 SH   SOLE   0 0 907
AIR PRODS & CHEMS INC COM 009158106 BBG001S5NSB6 4,392,525 15,145 SH   SOLE   0 0 15,145
ALLSTATE CORP COM 020002101 BBG001S9BM06 470,737 2,442 SH   SOLE   0 0 2,442
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 15,165,676 80,115 SH   SOLE   0 0 80,115
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 5,340,699 28,044 SH   SOLE   0 0 28,044
AMAZON COM INC COM 023135106 BBG001S5PQL7 11,156,859 50,854 SH   SOLE   0 0 50,854
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 626,042 6,788 SH   SOLE   0 0 6,788
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 796,288 2,683 SH   SOLE   0 0 2,683
AMERIPRISE FINL INC COM 03076C106 BBG001SK6096 321,588 604 SH   SOLE   0 0 604
AMGEN INC COM 031162100 BBG001S5NNL6 314,071 1,205 SH   SOLE   0 0 1,205
APPLE INC COM 037833100 BBG001S5N8V8 30,205,593 120,620 SH   SOLE   0 0 120,620
AT&T INC COM 00206R102 BBG001S5VWH2 494,374 21,712 SH   SOLE   0 0 21,712
ATLANTIC UN BANKSHARES CORP COM 04911A107 BBG001S7GJV8 532,138 14,048 SH   SOLE   0 0 14,048
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 408,651 1,396 SH   SOLE   0 0 1,396
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 1,094,450 24,902 SH   SOLE   0 0 24,902
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 4,766,440 7 SH   SOLE   0 0 7
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 36,764,634 81,108 SH   SOLE   0 0 81,108
BLACKROCK MUNIYILD QULT FD I COM 09254F100 BBG001S6Y4Q9 119,773 10,397 SH   SOLE   0 0 10,397
BLACKSTONE STRATEGIC CRED 20 COM SHS BEN IN 09257R101 BBG002W5R801 122,300 10,000 SH   SOLE   0 0 10,000
BOEING CO COM 097023105 BBG001S5P0V3 272,493 1,540 SH   SOLE   0 0 1,540
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 311,985 5,516 SH   SOLE   0 0 5,516
BROADCOM INC COM 11135F101 BBG00KHY5SY8 705,257 3,042 SH   SOLE   0 0 3,042
CALAMOS CONV & HIGH INCOME F COM SHS 12811P108 BBG001S8SMN5 289,272 23,828 SH   SOLE   0 0 23,828
CATERPILLAR INC COM 149123101 BBG001S5PJ06 446,071 1,230 SH   SOLE   0 0 1,230
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 5,984,434 41,318 SH   SOLE   0 0 41,318
CISCO SYS INC COM 17275R102 BBG001S6HC62 269,673 4,555 SH   SOLE   0 0 4,555
COCA COLA CO COM 191216100 BBG001S5SMQ8 583,523 9,372 SH   SOLE   0 0 9,372
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 2,773,014 3,026 SH   SOLE   0 0 3,026
CSX CORP COM 126408103 BBG001S5Q7Q3 670,998 20,793 SH   SOLE   0 0 20,793
CUMMINS INC COM 231021106 BBG001S5Q9M3 230,076 660 SH   SOLE   0 0 660
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 289,692 1,262 SH   SOLE   0 0 1,262
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 BBG01254CL28 22,022,776 533,627 SH   SOLE   0 0 533,627
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 7,865,836 300,108 SH   SOLE   0 0 300,108
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 713,819 24,446 SH   SOLE   0 0 24,446
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 BBG012558MV6 11,144,956 233,305 SH   SOLE   0 0 233,305
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 3,924,154 83,706 SH   SOLE   0 0 83,706
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 BBG00Y2JG0C0 262,902 6,493 SH   SOLE   0 0 6,493
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 235,220 6,800 SH   SOLE   0 0 6,800
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 9,911,113 242,207 SH   SOLE   0 0 242,207
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 1,318,196 20,255 SH   SOLE   0 0 20,255
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 598,054 19,430 SH   SOLE   0 0 19,430
DISNEY WALT CO COM 254687106 BBG001S5QHF3 3,925,831 35,257 SH   SOLE   0 0 35,257
DOMINION ENERGY INC COM 25746U109 BBG001S5QCP3 1,807,386 33,557 SH   SOLE   0 0 33,557
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 1,936,674 17,975 SH   SOLE   0 0 17,975
DUPONT DE NEMOURS INC COM 26614N102 BBG00BN961H3 4,572,467 59,967 SH   SOLE   0 0 59,967
EASTMAN CHEM CO COM 277432100 BBG001S7JNP3 313,958 3,438 SH   SOLE   0 0 3,438
ELEVANCE HEALTH INC COM 036752103 BBG001S6KBQ8 1,082,941 2,936 SH   SOLE   0 0 2,936
ELI LILLY & CO COM 532457108 BBG001S5STL8 2,159,833 2,798 SH   SOLE   0 0 2,798
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 1,107,305 8,935 SH   SOLE   0 0 8,935
ENBRIDGE INC COM 29250N105 BBG001S6Q6D7 449,673 10,598 SH   SOLE   0 0 10,598
EOG RES INC COM 26875P101 BBG001S5ZB93 922,211 7,523 SH   SOLE   0 0 7,523
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 3,353,074 31,171 SH   SOLE   0 0 31,171
FIRST NATL CORP COM 32106V107 BBG001S8X9X7 1,395,257 60,637 SH   SOLE   0 0 60,637
GABELLI EQUITY TR INC COM 362397101 BBG001S5RFR3 221,785 41,224 SH   SOLE   0 0 41,224
GE AEROSPACE COM NEW 369604301 BBG001S5PVD5 484,527 2,905 SH   SOLE   0 0 2,905
GE VERNOVA INC COM 36828A101 BBG013G17W77 235,514 716 SH   SOLE   0 0 716
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 310,869 543 SH   SOLE   0 0 543
HOME DEPOT INC COM 437076102 BBG001S5RTW7 900,675 2,315 SH   SOLE   0 0 2,315
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 227,471 1,007 SH   SOLE   0 0 1,007
ILLINOIS TOOL WKS INC COM 452308109 BBG001S5SDX0 337,318 1,330 SH   SOLE   0 0 1,330
INTEL CORP COM 458140100 BBG001S5SF65 229,262 11,435 SH   SOLE   0 0 11,435
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 725,345 3,300 SH   SOLE   0 0 3,300
INTUIT COM 461202103 BBG001S6TWR2 245,744 391 SH   SOLE   0 0 391
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 489,440 6,992 SH   SOLE   0 0 6,992
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 BBG001SDTVQ0 15,601,522 232,754 SH   SOLE   0 0 232,754
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 BBG001SPPQG9 407,635 6,196 SH   SOLE   0 0 6,196
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 249,480 488 SH   SOLE   0 0 488
ISHARES INC MSCI GBL MIN VOL 464286525 BBG0025X39Q6 234,234 2,145 SH   SOLE   0 0 2,145
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 57,336,313 815,827 SH   SOLE   0 0 815,827
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 29,998,058 481,432 SH   SOLE   0 0 481,432
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 32,102,334 278,618 SH   SOLE   0 0 278,618
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 6,518,454 11,073 SH   SOLE   0 0 11,073
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 96,471,159 995,574 SH   SOLE   0 0 995,574
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 450,097 3,494 SH   SOLE   0 0 3,494
ISHARES TR EXPND TEC SC ETF 464287549 BBG001SHHYT5 5,781,765 56,634 SH   SOLE   0 0 56,634
ISHARES TR GLOBAL TECH ETF 464287291 BBG001S60KQ0 254,250 3,000 SH   SOLE   0 0 3,000
ISHARES TR ISHARES BIOTECH 464287556 BBG001SGYSW7 521,172 3,942 SH   SOLE   0 0 3,942
ISHARES TR MSCI ACWI EX US 464288240 BBG001S56R18 2,497,357 47,879 SH   SOLE   0 0 47,879
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 2,755,758 36,447 SH   SOLE   0 0 36,447
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 968,610 10,909 SH   SOLE   0 0 10,909
ISHARES TR MSCI USA VALUE 46432F388 BBG004FPWGT7 397,938 3,768 SH   SOLE   0 0 3,768
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,106,894 10,388 SH   SOLE   0 0 10,388
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 10,986,622 34,103 SH   SOLE   0 0 34,103
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 336,524 838 SH   SOLE   0 0 838
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 1,764,828 10,750 SH   SOLE   0 0 10,750
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 1,337,000 4,000 SH   SOLE   0 0 4,000
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 416,811 1,443 SH   SOLE   0 0 1,443
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 4,708,673 46,377 SH   SOLE   0 0 46,377
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 2,298,931 12,044 SH   SOLE   0 0 12,044
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 4,024,039 30,650 SH   SOLE   0 0 30,650
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 4,414,904 40,649 SH   SOLE   0 0 40,649
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 1,418,452 8,892 SH   SOLE   0 0 8,892
ISHARES TR US CONSM STAPLES 464287812 BBG001SF7V89 318,177 4,851 SH   SOLE   0 0 4,851
ISHARES TR US HLTHCARE ETF 464287762 BBG001SFGXR4 331,556 5,690 SH   SOLE   0 0 5,690
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 BBG00M8D2458 2,728,664 53,809 SH   SOLE   0 0 53,809
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,149,180 7,946 SH   SOLE   0 0 7,946
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 9,812,251 40,934 SH   SOLE   0 0 40,934
KKR INCOME OPPORTUNITIES FD COM 48249T106 BBG004NRD5Z2 183,681 13,728 SH   SOLE   0 0 13,728
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104 BBG001S5X3D8 104,250 15,000 SH   SOLE   0 0 15,000
LOWES COS INC COM 548661107 BBG001S5SVL3 889,122 3,603 SH   SOLE   0 0 3,603
MCDONALDS CORP COM 580135101 BBG001S5T110 785,007 2,708 SH   SOLE   0 0 2,708
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 530,016 930 SH   SOLE   0 0 930
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,532,314 15,403 SH   SOLE   0 0 15,403
METLIFE INC COM 59156R108 BBG001S5T3R8 344,960 4,213 SH   SOLE   0 0 4,213
MICROSOFT CORP COM 594918104 BBG001S5TD05 4,937,794 11,715 SH   SOLE   0 0 11,715
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 216,490 1,722 SH   SOLE   0 0 1,722
MOTOROLA SOLUTIONS INC COM NEW 620076307 BBG001S5T9L1 484,879 1,049 SH   SOLE   0 0 1,049
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 409,786 1,746 SH   SOLE   0 0 1,746
NORTHERN TR CORP COM 665859104 BBG001S5TRG7 205,000 2,000 SH   SOLE   0 0 2,000
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 752,695 5,605 SH   SOLE   0 0 5,605
ORACLE CORP COM 68389X105 BBG001S5SJG6 1,168,124 7,010 SH   SOLE   0 0 7,010
PACKAGING CORP AMER COM 695156109 BBG001S5V741 2,921,737 12,978 SH   SOLE   0 0 12,978
PEPSICO INC COM 713448108 BBG001S695T1 1,166,164 7,669 SH   SOLE   0 0 7,669
PFIZER INC COM 717081103 BBG001S5V466 306,246 11,543 SH   SOLE   0 0 11,543
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 BBG001V1XW67 6,742,182 71,970 SH   SOLE   0 0 71,970
PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 887,391 4,601 SH   SOLE   0 0 4,601
PRICE T ROWE GROUP INC COM 74144T108 BBG001S5WW18 335,538 2,967 SH   SOLE   0 0 2,967
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 2,828,642 16,872 SH   SOLE   0 0 16,872
PROSHARES TR S&P 500 DV ARIST 74348A467 BBG005D266P2 303,727 3,051 SH   SOLE   0 0 3,051
PUTNAM MASTER INTER INCOME T SH BEN INT 746909100 BBG001S5V6N2 46,618 14,300 SH   SOLE   0 0 14,300
QUANTA SVCS INC COM 74762E102 BBG001S5VH85 253,017 801 SH   SOLE   0 0 801
ROYCE SMALL CAP TRUST INC COM 780910105 BBG001S5VTQ9 161,997 10,253 SH   SOLE   0 0 10,253
SCHLUMBERGER LTD COM STK 806857108 BBG001S5W4C8 572,033 14,920 SH   SOLE   0 0 14,920
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 308,447 12,820 SH   SOLE   0 0 12,820
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 1,317,818 58,054 SH   SOLE   0 0 58,054
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 317,150 13,971 SH   SOLE   0 0 13,971
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 16,604,289 607,770 SH   SOLE   0 0 607,770
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 330,813 1,475 SH   SOLE   0 0 1,475
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 19,904,976 144,690 SH   SOLE   0 0 144,690
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 315,995 1,359 SH   SOLE   0 0 1,359
SERVICE CORP INTL COM 817565104 BBG001S5WBJ5 203,780 2,553 SH   SOLE   0 0 2,553
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 200,229 3,196 SH   SOLE   0 0 3,196
SHENANDOAH TELECOMMUNICATION COM 82312B106 BBG001SG37M8 470,209 37,289 SH   SOLE   0 0 37,289
SOUTHERN CO COM 842587107 BBG001S5W777 774,012 9,402 SH   SOLE   0 0 9,402
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 2,235,172 5,253 SH   SOLE   0 0 5,253
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 232,929 962 SH   SOLE   0 0 962
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 3,808,600 6,498 SH   SOLE   0 0 6,498
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 6,992,801 76,483 SH   SOLE   0 0 76,483
SPDR SER TR PORTFOLIO AGRGTE 78464A649 BBG001STKD11 213,315 8,536 SH   SOLE   0 0 8,536
SPDR SER TR S&P BK ETF 78464A797 BBG001SPTB32 632,705 11,406 SH   SOLE   0 0 11,406
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 25,416,377 192,403 SH   SOLE   0 0 192,403
SYSCO CORP COM 871829107 BBG001S5WJS8 7,375,579 96,463 SH   SOLE   0 0 96,463
TRUIST FINL CORP COM 89832Q109 BBG001S5YYC0 2,265,296 52,220 SH   SOLE   0 0 52,220
UDR INC COM 902653104 BBG001S6KCT3 249,955 5,758 SH   SOLE   0 0 5,758
UNION PAC CORP COM 907818108 BBG001S5X2M0 340,236 1,492 SH   SOLE   0 0 1,492
UNITED BANKSHARES INC WEST V COM 909907107 BBG001S5WZV8 234,950 6,257 SH   SOLE   0 0 6,257
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 845,798 1,672 SH   SOLE   0 0 1,672
US BANCORP DEL COM NEW 902973304 BBG001S6T8C1 294,388 6,155 SH   SOLE   0 0 6,155
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 BBG001TC6MF8 10,954,711 29,926 SH   SOLE   0 0 29,926
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 BBG001TC6MG7 10,709,648 58,044 SH   SOLE   0 0 58,044
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 19,549,218 252,999 SH   SOLE   0 0 252,999
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 9,380,383 130,446 SH   SOLE   0 0 130,446
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,934,448 4,713 SH   SOLE   0 0 4,713
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 455,254 1,688 SH   SOLE   0 0 1,688
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 2,237,973 8,473 SH   SOLE   0 0 8,473
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 1,049,685 1,948 SH   SOLE   0 0 1,948
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 811,349 4,094 SH   SOLE   0 0 4,094
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,558,501 10,648 SH   SOLE   0 0 10,648
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 8,196,265 28,282 SH   SOLE   0 0 28,282
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 4,027,641 70,156 SH   SOLE   0 0 70,156
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 1,342,995 11,432 SH   SOLE   0 0 11,432
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 6,954,117 143,621 SH   SOLE   0 0 143,621
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 4,596,921 91,700 SH   SOLE   0 0 91,700
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 21,191,510 271,651 SH   SOLE   0 0 271,651
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 23,456,179 119,778 SH   SOLE   0 0 119,778
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 621,004 10,538 SH   SOLE   0 0 10,538
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 4,912,074 102,720 SH   SOLE   0 0 102,720
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 24,095,935 188,854 SH   SOLE   0 0 188,854
VANGUARD WORLD FD ENERGY ETF 92204A306 BBG001SHTV45 488,030 4,023 SH   SOLE   0 0 4,023
VANGUARD WORLD FD FINANCIALS ETF 92204A405 BBG001SHTTM0 224,517 1,902 SH   SOLE   0 0 1,902
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 BBG001SHVR32 602,260 2,374 SH   SOLE   0 0 2,374
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 706,686 1,137 SH   SOLE   0 0 1,137
VANGUARD WORLD FD UTILITIES ETF 92204A876 BBG001SHVTP4 345,212 2,112 SH   SOLE   0 0 2,112
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 958,841 23,977 SH   SOLE   0 0 23,977
VIRTUS CONVERTIBLE & INCOME COM 92838X102 BBG001SB26R7 35,394 10,200 SH   SOLE   0 0 10,200
WALMART INC COM 931142103 BBG001S5XH92 201,664 2,232 SH   SOLE   0 0 2,232
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 219,458 1,088 SH   SOLE   0 0 1,088
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 1,480,123 21,072 SH   SOLE   0 0 21,072
WESTERN ASSET GBL HIGH INC F COM 95766B109 BBG001SLMLM5 71,476 10,700 SH   SOLE   0 0 10,700
WISDOMTREE TR US AI ENHANCED 97717W406 BBG001SHL7F4 362,914 3,407 SH   SOLE   0 0 3,407
WISDOMTREE TR US LARGECAP DIVD 97717W307 BBG001SHL7K8 5,433,101 69,843 SH   SOLE   0 0 69,843
WISDOMTREE TR US SMALLCAP FUND 97717W562 BBG001SSZBC9 210,366 3,900 SH   SOLE   0 0 3,900