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
ABBOTT LABS COM 002824100   228,602 2,200 SH   SOLE   0 0 2,200
ABBVIE INC COM 00287Y109   210,632 1,228 SH   SOLE   0 0 1,228
ALPHABET INC CAP STK CL A 02079K305   488,736 2,683 SH   SOLE   0 0 2,683
ALPHABET INC CAP STK CL C 02079K107   472,789 2,578 SH   SOLE   0 0 2,578
AMAZON COM INC COM 023135106   1,185,009 6,132 SH   SOLE   0 0 6,132
APPLE INC COM 037833100   1,428,671 6,783 SH   SOLE   0 0 6,783
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   678,136 1,667 SH   SOLE   0 0 1,667
CAPITAL ONE FINL CORP COM 14040H105   233,427 1,686 SH   SOLE   0 0 1,686
CARDINAL HEALTH INC COM 14149Y108   212,666 2,163 SH   SOLE   0 0 2,163
CARTER BANKSHARES INC COM NEW 146103106   265,250 17,543 SH   SOLE   0 0 17,543
CHEVRON CORP COM 166764100   332,254 2,124 SH   SOLE   0 0 2,124
CSX CORP COM 126408103   539,080 16,116 SH   SOLE   0 0 16,116
CVS HEALTH CORP COM 126650100   369,483 6,256 SH   SOLE   0 0 6,256
DANAHER CORPORATION COM 235851102   468,469 1,875 SH   SOLE   0 0 1,875
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   337,007 9,377 SH   SOLE   0 0 9,377
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   675,347 20,947 SH   SOLE   0 0 20,947
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   979,755 18,889 SH   SOLE   0 0 18,889
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   719,929 28,321 SH   SOLE   0 0 28,321
EDWARDS LIFESCIENCES CORP COM 28176E108   1,070,014 11,584 SH   SOLE   0 0 11,584
EXXON MOBIL CORP COM 30231G102   1,458,570 12,670 SH   SOLE   0 0 12,670
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107   1,288,934 6,656 SH   SOLE   0 0 6,656
GE AEROSPACE COM NEW 369604301   867,675 5,458 SH   SOLE   0 0 5,458
GE VERNOVA INC COM 36828A101   232,739 1,357 SH   SOLE   0 0 1,357
HESS CORP COM 42809H107   663,250 4,496 SH   SOLE   0 0 4,496
ISHARES TR CORE INTL AGGR 46435G672   2,402,892 48,135 SH   SOLE   0 0 48,135
ISHARES TR CORE MSCI EAFE 46432F842   504,543 6,946 SH   SOLE   0 0 6,946
ISHARES INC CORE MSCI EMKT 46434G103   234,527 4,381 SH   SOLE   0 0 4,381
ISHARES TR CORE S&P500 ETF 464287200   664,192 1,214 SH   SOLE   0 0 1,214
ISHARES TR CORE S&P MCP ETF 464287507   335,578 5,734 SH   SOLE   0 0 5,734
ISHARES TR CORE S&P SCP ETF 464287804   325,030 3,047 SH   SOLE   0 0 3,047
ISHARES TR CORE US AGGBD ET 464287226   333,533 3,436 SH   SOLE   0 0 3,436
ISHARES TR MSCI EAFE ETF 464287465   874,444 11,164 SH   SOLE   0 0 11,164
ISHARES TR EAFE SML CP ETF 464288273   2,930,618 47,544 SH   SOLE   0 0 47,544
ISHARES TR MSCI EMG MKT ETF 464287234   227,644 5,345 SH   SOLE   0 0 5,345
ISHARES TR MSCI EMRG CHN 46434G764   1,220,617 20,619 SH   SOLE   0 0 20,619
ISHARES TR NATIONAL MUN ETF 464288414   3,799,393 35,658 SH   SOLE   0 0 35,658
ISHARES TR RUS 1000 GRW ETF 464287614   1,399,718 3,840 SH   SOLE   0 0 3,840
ISHARES TR RUS 1000 VAL ETF 464287598   723,876 4,149 SH   SOLE   0 0 4,149
ISHARES TR RUSSELL 3000 ETF 464287689   275,025 891 SH   SOLE   0 0 891
ISHARES TR RUS MID CAP ETF 464287499   288,197 3,554 SH   SOLE   0 0 3,554
ISHARES TR RUS MD CP GR ETF 464287481   375,553 3,403 SH   SOLE   0 0 3,403
ISHARES TR RUS MDCP VAL ETF 464287473   351,233 2,909 SH   SOLE   0 0 2,909
ISHARES TR S&P 500 GRWT ETF 464287309   461,108 4,983 SH   SOLE   0 0 4,983
ISHARES TR S&P 500 VAL ETF 464287408   321,355 1,766 SH   SOLE   0 0 1,766
ISHARES TR SHRT NAT MUN ETF 464288158   8,525,159 81,541 SH   SOLE   0 0 81,541
ISHARES TR U S EQUITY FACTR 46434V282   1,249,673 22,440 SH   SOLE   0 0 22,440
JOHNSON & JOHNSON COM 478160104   412,838 2,825 SH   SOLE   0 0 2,825
LOWES COS INC COM 548661107   517,585 2,348 SH   SOLE   0 0 2,348
MCDONALDS CORP COM 580135101   404,523 1,587 SH   SOLE   0 0 1,587
META PLATFORMS INC CL A 30303M102   331,777 658 SH   SOLE   0 0 658
MICROSOFT CORP COM 594918104   910,066 2,036 SH   SOLE   0 0 2,036
MONDELEZ INTL INC CL A 609207105   250,962 3,835 SH   SOLE   0 0 3,835
NATIONAL BANKSHARES INC VA COM COM 634865109   405,870 14,352 SH   SOLE   0 0 14,352
NIKE INC CL B 654106103   704,477 9,347 SH   SOLE   0 0 9,347
NORFOLK SOUTHN CORP COM 655844108   2,503,500 11,661 SH   SOLE   0 0 11,661
PEPSICO INC COM 713448108   230,675 1,399 SH   SOLE   0 0 1,399
PFIZER INC COM 717081103   272,965 9,756 SH   SOLE   0 0 9,756
PHILIP MORRIS INTL INC COM 718172109   254,845 2,515 SH   SOLE   0 0 2,515
PROCTER AND GAMBLE CO COM 742718109   588,755 3,570 SH   SOLE   0 0 3,570
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   327,185 7,178 SH   SOLE   0 0 7,178
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   217,641 556 SH   SOLE   0 0 556
SPDR SER TR PORTFOLIO AGRGTE 78464A649   1,929,043 76,885 SH   SOLE   0 0 76,885
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   8,155,423 232,481 SH   SOLE   0 0 232,481
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,405,909 63,868 SH   SOLE   0 0 63,868
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,753,173 34,359 SH   SOLE   0 0 34,359
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,944,428 60,411 SH   SOLE   0 0 60,411
SPDR SER TR PORTFOLIO SH TSR 78468R101   1,400,576 48,513 SH   SOLE   0 0 48,513
SPDR S&P 500 ETF TR TR UNIT 78462F103   334,490 615 SH   SOLE   0 0 615
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,097,131 12,778 SH   SOLE   0 0 12,778
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,942,972 24,811 SH   SOLE   0 0 24,811
STEEL DYNAMICS INC COM 858119100   971,768 7,504 SH   SOLE   0 0 7,504
TEXAS PACIFIC LAND CORPORATION COM 88262P102   524,269 714 SH   SOLE   0 0 714
TRUIST FINL CORP COM 89832Q109   529,953 13,641 SH   SOLE   0 0 13,641
UDR INC COM 902653104   508,943 12,368 SH   SOLE   0 0 12,368
UNION PAC CORP COM 907818108   271,512 1,200 SH   SOLE   0 0 1,200
UNITEDHEALTH GROUP INC COM 91324P102   214,398 421 SH   SOLE   0 0 421
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   2,937,109 17,401 SH   SOLE   0 0 17,401
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,369,712 23,358 SH   SOLE   0 0 23,358
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   11,687,484 99,476 SH   SOLE   0 0 99,476
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   36,939,781 747,466 SH   SOLE   0 0 747,466
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   12,247,056 279,869 SH   SOLE   0 0 279,869
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   242,833 3,637 SH   SOLE   0 0 3,637
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,333,956 32,880 SH   SOLE   0 0 32,880
VANGUARD INDEX FDS GROWTH ETF 922908736   54,898,770 146,784 SH   SOLE   0 0 146,784
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,373,389 18,339 SH   SOLE   0 0 18,339
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   4,974,204 62,232 SH   SOLE   0 0 62,232
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,844,672 7,390 SH   SOLE   0 0 7,390
VANGUARD INDEX FDS MID CAP ETF 922908629   3,510,216 14,499 SH   SOLE   0 0 14,499
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   322,075 1,403 SH   SOLE   0 0 1,403
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   12,823,552 153,099 SH   SOLE   0 0 153,099
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,809,217 11,615 SH   SOLE   0 0 11,615
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   30,260,025 394,525 SH   SOLE   0 0 394,525
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   201,363 4,148 SH   SOLE   0 0 4,148
VANGUARD INDEX FDS SM CP VAL ETF 922908611   16,694,758 91,468 SH   SOLE   0 0 91,468
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,512,790 6,938 SH   SOLE   0 0 6,938
VANGUARD INDEX FDS SML CP GRW ETF 922908595   16,048,826 64,162 SH   SOLE   0 0 64,162
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   10,902,503 217,573 SH   SOLE   0 0 217,573
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   52,468,183 728,220 SH   SOLE   0 0 728,220
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   42,476,681 872,749 SH   SOLE   0 0 872,749
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,102,403 18,282 SH   SOLE   0 0 18,282
VANGUARD INDEX FDS TOTAL STK MKT 922908769   8,815,655 32,954 SH   SOLE   0 0 32,954
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   2,596,934 21,216 SH   SOLE   0 0 21,216
VANGUARD INDEX FDS VALUE ETF 922908744   46,762,681 291,520 SH   SOLE   0 0 291,520
WALMART INC COM 931142103   413,573 6,108 SH   SOLE   0 0 6,108