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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
GENERAL ELECTRIC CO COM 369604103 121 19,402 SH   SOLE   19,402 0 0
NORDSTROM INC COM 655664100 146 12,275 SH   SOLE   12,275 0 0
ISHARES TR MSCI EAFE ETF 464287465 202 3,181 SH   SOLE   3,181 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 211 2,390 SH   SOLE   2,390 0 0
CONSOLIDATED EDISON INC COM 209115104 218 2,800 SH   SOLE   2,800 0 0
EMERSON ELEC CO COM 291011104 219 3,341 SH   SOLE   3,341 0 0
SYNOVUS FINL CORP COM NEW 87161C501 220 10,392 SH   SOLE   10,392 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 224 3,283 SH   SOLE   3,283 0 0
COLGATE PALMOLIVE CO COM 194162103 226 2,927 SH   SOLE   2,927 0 0
AFLAC INC COM 001055102 232 6,377 SH   SOLE   6,377 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 233 1,975 SH   SOLE   1,975 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 235 3,435 SH   SOLE   3,435 0 0
ROCKWELL AUTOMATION INC COM 773903109 242 1,095 SH   SOLE   1,095 0 0
PAYPAL HLDGS INC COM 70450Y103 246 1,250 SH   SOLE   1,250 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 247 4,832 SH   SOLE   4,832 0 0
COSTCO WHSL CORP NEW COM 22160K105 249 702 SH   SOLE   702 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 250 1,350 SH   SOLE   1,350 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 258 5,107 SH   SOLE   5,107 0 0
LILLY ELI & CO COM 532457108 261 1,766 SH   SOLE   1,766 0 0
ISHARES TR US REGNL BKS ETF 464288778 262 8,000 SH   SOLE   8,000 0 0
SOUTHWEST AIRLS CO COM 844741108 270 7,200 SH   SOLE   7,200 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 277 1,573 SH   SOLE   1,573 0 0
ISHARES TR S&P MC 400VL ETF 464287705 281 2,085 SH   SOLE   2,085 0 0
CINCINNATI FINL CORP COM 172062101 285 3,650 SH   SOLE   3,650 0 0
EXPEDIA GROUP INC COM NEW 30212P303 289 3,150 SH   SOLE   3,150 0 0
ISHARES TR EUROPE ETF 464287861 290 6,916 SH   SOLE   6,916 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 299 1,998 SH   SOLE   1,998 0 0
WELLS FARGO CO NEW COM 949746101 324 13,797 SH   SOLE   13,797 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 325 2,519 SH   SOLE   2,519 0 0
ISHARES TR US AER DEF ETF 464288760 327 2,065 SH   SOLE   2,065 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 330 1,521 SH   SOLE   1,521 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 339 3,921 SH   SOLE   3,921 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 349 791 SH   SOLE   791 0 0
ISHARES TR U.S. CNSM SV ETF 464287580 352 1,407 SH   SOLE   1,407 0 0
LOCKHEED MARTIN CORP COM 539830109 354 923 SH   SOLE   923 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 354 1,554 SH   SOLE   1,554 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 370 5,806 SH   SOLE   5,806 0 0
WELLTOWER INC COM 95040Q104 392 7,112 SH   SOLE   7,112 0 0
NEXTERA ENERGY INC COM 65339F101 414 1,492 SH   SOLE   1,492 0 0
AMERICAN ELEC PWR CO INC COM 025537101 428 5,237 SH   SOLE   5,237 0 0
CARMAX INC COM 143130102 432 4,700 SH   SOLE   4,700 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 440 7,301 SH   SOLE   7,301 0 0
CANADIAN NATL RY CO COM 136375102 444 4,166 SH   SOLE   4,166 0 0
GENERAL MLS INC COM 370334104 450 7,300 SH   SOLE   7,300 0 0
MONDELEZ INTL INC CL A 609207105 463 8,059 SH   SOLE   8,059 0 0
ISHARES TR NATIONAL MUN ETF 464288414 465 4,012 SH   SOLE   4,012 0 0
NIKE INC CL B 654106103 497 3,957 SH   SOLE   3,957 0 0
ISHARES TR INTRM GOV CR ETF 464288612 509 4,321 SH   SOLE   4,321 0 0
BARNES GROUP INC COM 067806109 554 15,502 SH   SOLE   15,502 0 0
BECTON DICKINSON & CO COM 075887109 564 2,423 SH   SOLE   2,423 0 0
ALPHABET INC CAP STK CL C 02079K107 583 397 SH   SOLE   397 0 0
COCA COLA CO COM 191216100 587 11,890 SH   SOLE   11,890 0 0
CSX CORP COM 126408103 590 7,600 SH   SOLE   7,600 0 0
LOWES COS INC COM 548661107 593 3,578 SH   SOLE   3,578 0 0
ALTRIA GROUP INC COM 02209S103 610 15,798 SH   SOLE   15,798 0 0
SHERWIN WILLIAMS CO COM 824348106 643 923 SH   SOLE   923 0 0
V F CORP COM 918204108 647 9,210 SH   SOLE   9,210 0 0
SCHWAB CHARLES CORP COM 808513105 650 17,927 SH   SOLE   17,927 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 654 4,182 SH   SOLE   4,182 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 655 4,257 SH   SOLE   4,257 0 0
ISHARES TR U.S. MED DVC ETF 464288810 664 2,215 SH   SOLE   2,215 0 0
OTIS WORLDWIDE CORP COM 68902V107 667 10,683 SH   SOLE   10,683 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 695 11,707 SH   SOLE   11,707 0 0
AMGEN INC COM 031162100 768 3,023 SH   SOLE   3,023 0 0
3M CO COM 88579Y101 790 4,930 SH   SOLE   4,930 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 807 10,009 SH   SOLE   10,009 0 0
NUVEEN MUN VALUE FD INC COM 670928100 817 76,654 SH   SOLE   76,654 0 0
ISHARES TR IBOXX INV CP ETF 464287242 845 6,275 SH   SOLE   6,275 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 846 6,955 SH   SOLE   6,955 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 850 16,298 SH   SOLE   16,298 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 919 18,125 SH   SOLE   18,125 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 994 5,839 SH   SOLE   5,839 0 0
ORACLE CORP COM 68389X105 1,008 16,877 SH   SOLE   16,877 0 0
PHILIP MORRIS INTL INC COM 718172109 1,045 13,930 SH   SOLE   13,930 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,061 3,157 SH   SOLE   3,157 0 0
STARBUCKS CORP COM 855244109 1,098 12,783 SH   SOLE   12,783 0 0
SPDR SER TR S&P DIVID ETF 78464A763 1,101 11,919 SH   SOLE   11,919 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,132 14,070 SH   SOLE   14,070 0 0
MCDONALDS CORP COM 580135101 1,149 5,236 SH   SOLE   5,236 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,151 6,906 SH   SOLE   6,906 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,176 11,750 SH   SOLE   11,750 0 0
ANTHEM INC COM 036752103 1,249 4,649 SH   SOLE   4,649 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 1,336 24,800 SH   SOLE   24,800 0 0
VENTAS INC COM 92276F100 1,498 35,700 SH   SOLE   35,700 0 0
BANK OF THE JAMES FINL GP IN COM 470299108 1,596 163,662 SH   SOLE   163,662 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,676 18,930 SH   SOLE   18,930 0 0
AMERICAN TOWER CORP NEW COM 03027X100 1,689 6,987 SH   SOLE   6,987 0 0
FACEBOOK INC CL A 30303M102 1,707 6,518 SH   SOLE   6,518 0 0
BOEING CO COM 097023105 1,801 10,898 SH   SOLE   10,898 0 0
UNION PAC CORP COM 907818108 1,829 9,292 SH   SOLE   9,292 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,945 27,692 SH   SOLE   27,692 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,022 6,571 SH   SOLE   6,571 0 0
ENBRIDGE INC COM 29250N105 2,101 71,963 SH   SOLE   71,963 0 0
MERCK & CO. INC COM 58933Y105 2,168 26,140 SH   SOLE   26,140 0 0
KIMBERLY CLARK CORP COM 494368103 2,286 15,480 SH   SOLE   15,480 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 2,468 40,580 SH   SOLE   40,580 0 0
AT&T INC COM 00206R102 2,476 86,853 SH   SOLE   86,853 0 0
SOUTHERN CO COM 842587107 2,710 49,989 SH   SOLE   49,989 0 0
INTEL CORP COM 458140100 2,793 53,934 SH   SOLE   53,934 0 0
ISHARES TR U.S. FINLS ETF 464287788 2,911 25,655 SH   SOLE   25,655 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 2,973 6,063 SH   SOLE   6,063 0 0
ISHARES TR PFD AND INCM SEC 464288687 2,989 82,005 SH   SOLE   82,005 0 0
PFIZER INC COM 717081103 3,105 84,614 SH   SOLE   84,614 0 0
ABBVIE INC COM 00287Y109 3,203 36,570 SH   SOLE   36,570 0 0
TRUIST FINL CORP COM 89832Q109 3,272 85,989 SH   SOLE   85,989 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 3,285 57,087 SH   SOLE   57,087 0 0
ISHARES TR U.S. TECH ETF 464287721 3,450 11,460 SH   SOLE   11,460 0 0
MEDTRONIC PLC SHS G5960L103 3,566 34,312 SH   SOLE   34,312 0 0
CHEVRON CORP NEW COM 166764100 3,652 50,727 SH   SOLE   50,727 0 0
EXXON MOBIL CORP COM 30231G102 4,024 117,204 SH   SOLE   117,204 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 4,274 82,005 SH   SOLE   82,005 0 0
CISCO SYS INC COM 17275R102 4,325 109,803 SH   SOLE   109,803 0 0
AMAZON COM INC COM 023135106 4,399 1,397 SH   SOLE   1,397 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,531 24,451 SH   SOLE   24,451 0 0
COMCAST CORP NEW CL A 20030N101 4,558 98,526 SH   SOLE   98,526 0 0
CVS HEALTH CORP COM 126650100 4,786 81,954 SH   SOLE   81,954 0 0
BK OF AMERICA CORP COM 060505104 5,036 209,032 SH   SOLE   209,032 0 0
ISHARES TR US HLTHCARE ETF 464287762 5,272 23,205 SH   SOLE   23,205 0 0
HONEYWELL INTL INC COM 438516106 5,577 33,882 SH   SOLE   33,882 0 0
FEDEX CORP COM 31428X106 5,607 22,293 SH   SOLE   22,293 0 0
ABBOTT LABS COM 002824100 5,612 51,566 SH   SOLE   51,566 0 0
WALMART INC COM 931142103 5,765 41,207 SH   SOLE   41,207 0 0
DOMINION ENERGY INC COM 25746U109 5,778 73,207 SH   SOLE   73,207 0 0
JPMORGAN CHASE & CO COM 46625H100 5,898 61,267 SH   SOLE   61,267 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 6,043 21,751 SH   SOLE   21,751 0 0
NORFOLK SOUTHN CORP COM 655844108 6,186 28,910 SH   SOLE   28,910 0 0
DISNEY WALT CO COM DISNEY 254687106 6,312 50,870 SH   SOLE   50,870 0 0
ALPHABET INC CAP STK CL A 02079K305 6,613 4,512 SH   SOLE   4,512 0 0
ISHARES TR CORE US AGGBD ET 464287226 6,666 56,460 SH   SOLE   56,460 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 6,953 32,653 SH   SOLE   32,653 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 7,699 92,928 SH   SOLE   92,928 0 0
JOHNSON & JOHNSON COM 478160104 8,232 55,295 SH   SOLE   55,295 0 0
PEPSICO INC COM 713448108 8,239 59,446 SH   SOLE   59,446 0 0
VISA INC COM CL A 92826C839 8,819 44,103 SH   SOLE   44,103 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 9,543 160,411 SH   SOLE   160,411 0 0
HOME DEPOT INC COM 437076102 9,798 35,280 SH   SOLE   35,280 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 9,818 76,310 SH   SOLE   76,310 0 0
PROCTER AND GAMBLE CO COM 742718109 11,230 80,797 SH   SOLE   80,797 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 13,156 39,285 SH   SOLE   39,285 0 0
APPLE INC COM 037833100 15,383 132,828 SH   SOLE   132,828 0 0
MICROSOFT CORP COM 594918104 16,412 78,030 SH   SOLE   78,030 0 0