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   260,821 2,288 SH   SOLE   0 0 2,288
ABBVIE INC COM 00287Y109   259,860 1,316 SH   SOLE   0 0 1,316
ALPHABET INC CAP STK CL A 02079K305   445,028 2,683 SH   SOLE   0 0 2,683
ALPHABET INC CAP STK CL C 02079K107   431,072 2,578 SH   SOLE   0 0 2,578
AMAZON COM INC COM 023135106   1,142,576 6,132 SH   SOLE   0 0 6,132
APPLE INC COM 037833100   1,580,103 6,782 SH   SOLE   0 0 6,782
ATLANTIC UN BANKSHARES CORP COM 04911A107   223,165 5,924 SH   SOLE   0 0 5,924
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   767,253 1,667 SH   SOLE   0 0 1,667
BROADCOM INC COM 11135F101   207,000 1,200 SH   SOLE   0 0 1,200
CAPITAL ONE FINL CORP COM 14040H105   226,242 1,511 SH   SOLE   0 0 1,511
CARDINAL HEALTH INC COM 14149Y108   239,055 2,163 SH   SOLE   0 0 2,163
CARTER BANKSHARES INC COM NEW 146103106   272,206 15,653 SH   SOLE   0 0 15,653
CHEVRON CORP COM 166764100   312,848 2,124 SH   SOLE   0 0 2,124
CSX CORP COM 126408103   546,126 15,816 SH   SOLE   0 0 15,816
CVS HEALTH CORP COM 126650100   386,288 6,143 SH   SOLE   0 0 6,143
DANAHER CORPORATION COM 235851102   524,317 1,886 SH   SOLE   0 0 1,886
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   358,124 9,405 SH   SOLE   0 0 9,405
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   706,707 20,610 SH   SOLE   0 0 20,610
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,052,836 18,926 SH   SOLE   0 0 18,926
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   726,526 26,898 SH   SOLE   0 0 26,898
EDWARDS LIFESCIENCES CORP COM 28176E108   764,428 11,584 SH   SOLE   0 0 11,584
EXXON MOBIL CORP COM 30231G102   1,485,177 12,670 SH   SOLE   0 0 12,670
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107   1,321,682 6,656 SH   SOLE   0 0 6,656
GE AEROSPACE COM NEW 369604301   761,134 4,036 SH   SOLE   0 0 4,036
GE VERNOVA INC COM 36828A101   255,490 1,002 SH   SOLE   0 0 1,002
HESS CORP COM 42809H107   610,557 4,496 SH   SOLE   0 0 4,496
ISHARES TR COHEN STEER REIT 464287564   227,126 3,446 SH   SOLE   0 0 3,446
ISHARES TR CORE INTL AGGR 46435G672   2,488,078 48,014 SH   SOLE   0 0 48,014
ISHARES TR CORE MSCI EAFE 46432F842   542,120 6,946 SH   SOLE   0 0 6,946
ISHARES INC CORE MSCI EMKT 46434G103   244,809 4,264 SH   SOLE   0 0 4,264
ISHARES TR CORE S&P500 ETF 464287200   700,106 1,214 SH   SOLE   0 0 1,214
ISHARES TR CORE S&P MCP ETF 464287507   357,883 5,743 SH   SOLE   0 0 5,743
ISHARES TR CORE S&P SCP ETF 464287804   356,610 3,049 SH   SOLE   0 0 3,049
ISHARES TR CORE US AGGBD ET 464287226   347,964 3,436 SH   SOLE   0 0 3,436
ISHARES TR MSCI EAFE ETF 464287465   931,520 11,139 SH   SOLE   0 0 11,139
ISHARES TR EAFE SML CP ETF 464288273   3,217,329 47,524 SH   SOLE   0 0 47,524
ISHARES TR MSCI EMG MKT ETF 464287234   245,122 5,345 SH   SOLE   0 0 5,345
ISHARES TR MSCI EMRG CHN 46434G764   1,205,634 19,729 SH   SOLE   0 0 19,729
ISHARES TR NATIONAL MUN ETF 464288414   3,784,859 34,842 SH   SOLE   0 0 34,842
ISHARES TR RUS 1000 GRW ETF 464287614   1,441,459 3,840 SH   SOLE   0 0 3,840
ISHARES TR RUS 1000 VAL ETF 464287598   787,480 4,149 SH   SOLE   0 0 4,149
ISHARES TR RUS 2000 VAL ETF 464287630   211,508 1,268 SH   SOLE   0 0 1,268
ISHARES TR RUSSELL 3000 ETF 464287689   291,116 891 SH   SOLE   0 0 891
ISHARES TR RUS MD CP GR ETF 464287481   399,172 3,403 SH   SOLE   0 0 3,403
ISHARES TR RUS MDCP VAL ETF 464287473   384,715 2,909 SH   SOLE   0 0 2,909
ISHARES TR S&P 500 GRWT ETF 464287309   458,770 4,791 SH   SOLE   0 0 4,791
ISHARES TR S&P 500 VAL ETF 464287408   343,783 1,744 SH   SOLE   0 0 1,744
ISHARES TR SHRT NAT MUN ETF 464288158   9,177,184 86,422 SH   SOLE   0 0 86,422
ISHARES TR U S EQUITY FACTR 46434V282   1,305,223 22,209 SH   SOLE   0 0 22,209
JOHNSON & JOHNSON COM 478160104   457,749 2,825 SH   SOLE   0 0 2,825
LOWES COS INC COM 548661107   635,888 2,348 SH   SOLE   0 0 2,348
MCDONALDS CORP COM 580135101   490,917 1,612 SH   SOLE   0 0 1,612
META PLATFORMS INC CL A 30303M102   376,666 658 SH   SOLE   0 0 658
MICROSOFT CORP COM 594918104   1,001,498 2,327 SH   SOLE   0 0 2,327
MONDELEZ INTL INC CL A 609207105   282,524 3,835 SH   SOLE   0 0 3,835
NATIONAL BANKSHARES INC VA COM COM 634865109   435,938 14,580 SH   SOLE   0 0 14,580
NIKE INC CL B 654106103   784,188 8,871 SH   SOLE   0 0 8,871
NORFOLK SOUTHN CORP COM 655844108   2,491,958 10,028 SH   SOLE   0 0 10,028
PEPSICO INC COM 713448108   237,836 1,399 SH   SOLE   0 0 1,399
PFIZER INC COM 717081103   282,492 9,761 SH   SOLE   0 0 9,761
PHILIP MORRIS INTL INC COM 718172109   305,321 2,515 SH   SOLE   0 0 2,515
PROCTER AND GAMBLE CO COM 742718109   637,055 3,678 SH   SOLE   0 0 3,678
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   327,893 6,900 SH   SOLE   0 0 6,900
SOUTHERN CO COM 842587107   215,169 2,386 SH   SOLE   0 0 2,386
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   223,975 529 SH   SOLE   0 0 529
SPDR SER TR PORTFOLIO AGRGTE 78464A649   2,081,260 79,620 SH   SOLE   0 0 79,620
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   8,284,147 220,558 SH   SOLE   0 0 220,558
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,596,349 62,896 SH   SOLE   0 0 62,896
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,704,551 32,609 SH   SOLE   0 0 32,609
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,196,045 60,462 SH   SOLE   0 0 60,462
SPDR SER TR PORTFOLIO SH TSR 78468R101   1,415,685 48,136 SH   SOLE   0 0 48,136
SPDR S&P 500 ETF TR TR UNIT 78462F103   353,646 616 SH   SOLE   0 0 616
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,115,786 11,984 SH   SOLE   0 0 11,984
SPDR SER TR S&P 600 SMCP VAL 78464A300   2,160,518 24,885 SH   SOLE   0 0 24,885
STEEL DYNAMICS INC COM 858119100   946,104 7,504 SH   SOLE   0 0 7,504
TEXAS PACIFIC LAND CORPORATION COM 88262P102   631,704 714 SH   SOLE   0 0 714
TRUIST FINL CORP COM 89832Q109   585,094 13,680 SH   SOLE   0 0 13,680
UDR INC COM 902653104   560,765 12,368 SH   SOLE   0 0 12,368
UNION PAC CORP COM 907818108   295,776 1,200 SH   SOLE   0 0 1,200
UNITEDHEALTH GROUP INC COM 91324P102   246,150 421 SH   SOLE   0 0 421
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   3,072,100 16,881 SH   SOLE   0 0 16,881
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,637,775 25,996 SH   SOLE   0 0 25,996
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   12,624,052 100,223 SH   SOLE   0 0 100,223
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   39,621,760 750,270 SH   SOLE   0 0 750,270
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   13,981,286 292,176 SH   SOLE   0 0 292,176
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,509,060 32,155 SH   SOLE   0 0 32,155
VANGUARD INDEX FDS GROWTH ETF 922908736   55,704,468 145,090 SH   SOLE   0 0 145,090
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,453,330 18,544 SH   SOLE   0 0 18,544
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   5,401,436 64,495 SH   SOLE   0 0 64,495
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,323,832 8,826 SH   SOLE   0 0 8,826
VANGUARD INDEX FDS MID CAP ETF 922908629   3,753,351 14,226 SH   SOLE   0 0 14,226
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   334,674 1,375 SH   SOLE   0 0 1,375
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   14,977,327 153,764 SH   SOLE   0 0 153,764
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,668,931 10,743 SH   SOLE   0 0 10,743
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   32,600,256 414,288 SH   SOLE   0 0 414,288
VANGUARD INDEX FDS SM CP VAL ETF 922908611   18,611,921 92,698 SH   SOLE   0 0 92,698
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,648,604 6,950 SH   SOLE   0 0 6,950
VANGUARD INDEX FDS SML CP GRW ETF 922908595   17,024,724 63,675 SH   SOLE   0 0 63,675
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   11,339,283 221,818 SH   SOLE   0 0 221,818
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   59,946,877 798,122 SH   SOLE   0 0 798,122
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   45,455,740 904,049 SH   SOLE   0 0 904,049
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,180,262 18,231 SH   SOLE   0 0 18,231
VANGUARD INDEX FDS TOTAL STK MKT 922908769   10,090,640 35,636 SH   SOLE   0 0 35,636
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   2,750,791 21,096 SH   SOLE   0 0 21,096
VANGUARD INDEX FDS VALUE ETF 922908744   50,603,488 289,875 SH   SOLE   0 0 289,875
WALMART INC COM 931142103   493,221 6,108 SH   SOLE   0 0 6,108
WILLIAMS COS INC COM 969457100   203,508 4,458 SH   SOLE   0 0 4,458