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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL C 02079K107 1,039 372 SH   SOLE   372 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 208 616 SH   SOLE   616 0 0
COSTCO WHSL CORP NEW COM 22160K105 459 797 SH   SOLE   797 0 0
LOCKHEED MARTIN CORP COM 539830109 401 909 SH   SOLE   909 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 538 911 SH   SOLE   911 0 0
CATERPILLAR INC COM 149123101 215 965 SH   SOLE   965 0 0
ROCKWELL AUTOMATION INC COM 773903109 275 982 SH   SOLE   982 0 0
EXPEDIA GROUP INC COM NEW 30212P303 201 1,025 SH   SOLE   1,025 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 279 1,187 SH   SOLE   1,187 0 0
TEXAS INSTRS INC COM 882508104 246 1,339 SH   SOLE   1,339 0 0
AMERICAN EXPRESS CO COM 025816109 261 1,397 SH   SOLE   1,397 0 0
QUALCOMM INC COM 747525103 216 1,415 SH   SOLE   1,415 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 410 1,425 SH   SOLE   1,425 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 413 1,486 SH   SOLE   1,486 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 377 1,583 SH   SOLE   1,583 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 237 1,603 SH   SOLE   1,603 0 0
ISHARES TR ISHARES BIOTECH 464287556 224 1,720 SH   SOLE   1,720 0 0
ISHARES TR SELECT DIVID ETF 464287168 227 1,775 SH   SOLE   1,775 0 0
AMAZON COM INC COM 023135106 6,031 1,850 SH   SOLE   1,850 0 0
LILLY ELI & CO COM 532457108 543 1,896 SH   SOLE   1,896 0 0
CONOCOPHILLIPS COM 20825C104 200 2,003 SH   SOLE   2,003 0 0
AMGEN INC COM 031162100 494 2,042 SH   SOLE   2,042 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 349 2,100 SH   SOLE   2,100 0 0
APPLIED MATLS INC COM 038222105 277 2,100 SH   SOLE   2,100 0 0
ISHARES TR US AER DEF ETF 464288760 249 2,245 SH   SOLE   2,245 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 468 2,281 SH   SOLE   2,281 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 314 2,290 SH   SOLE   2,290 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 481 2,430 SH   SOLE   2,430 0 0
CARMAX INC COM 143130102 236 2,450 SH   SOLE   2,450 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 511 2,451 SH   SOLE   2,451 0 0
MARATHON PETE CORP COM 56585A102 214 2,500 SH   SOLE   2,500 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 583 2,560 SH   SOLE   2,560 0 0
SHERWIN WILLIAMS CO COM 824348106 645 2,583 SH   SOLE   2,583 0 0
BECTON DICKINSON & CO COM 075887109 694 2,610 SH   SOLE   2,610 0 0
GENERAL ELECTRIC CO COM NEW 369604301 251 2,740 SH   SOLE   2,740 0 0
CONSOLIDATED EDISON INC COM 209115104 265 2,800 SH   SOLE   2,800 0 0
ISHARES TR S&P MC 400VL ETF 464287705 338 3,080 SH   SOLE   3,080 0 0
PAYPAL HLDGS INC COM 70450Y103 359 3,100 SH   SOLE   3,100 0 0
EMERSON ELEC CO COM 291011104 313 3,196 SH   SOLE   3,196 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 427 3,207 SH   SOLE   3,207 0 0
3M CO COM 88579Y101 482 3,238 SH   SOLE   3,238 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,479 3,261 SH   SOLE   3,261 0 0
CANADIAN NATL RY CO COM 136375102 449 3,350 SH   SOLE   3,350 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 746 3,509 SH   SOLE   3,509 0 0
ISHARES TR NATIONAL MUN ETF 464288414 385 3,512 SH   SOLE   3,512 0 0
LOWES COS INC COM 548661107 723 3,576 SH   SOLE   3,576 0 0
NIKE INC CL B 654106103 491 3,647 SH   SOLE   3,647 0 0
CINCINNATI FINL CORP COM 172062101 496 3,650 SH   SOLE   3,650 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 352 4,220 SH   SOLE   4,220 0 0
ALPHABET INC CAP STK CL A 02079K305 11,960 4,300 SH   SOLE   4,300 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 228 4,400 SH   SOLE   4,400 0 0
NEXTERA ENERGY INC COM 65339F101 373 4,408 SH   SOLE   4,408 0 0
WELLTOWER INC COM 95040Q104 454 4,719 SH   SOLE   4,719 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 735 4,780 SH   SOLE   4,780 0 0
ANTHEM INC COM 036752103 2,353 4,791 SH   SOLE   4,791 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 514 4,990 SH   SOLE   4,990 0 0
LINCOLN NATL CORP IND COM 534187109 327 4,998 SH   SOLE   4,998 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 255 5,275 SH   SOLE   5,275 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 316 5,485 SH   SOLE   5,485 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 426 5,492 SH   SOLE   5,492 0 0
ISHARES TR US CONSUM DISCRE 464287580 413 5,500 SH   SOLE   5,500 0 0
AMERICAN ELEC PWR CO INC COM 025537101 567 5,687 SH   SOLE   5,687 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 292 5,698 SH   SOLE   5,698 0 0
MCDONALDS CORP COM 580135101 1,426 5,765 SH   SOLE   5,765 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,289 6,011 SH   SOLE   6,011 0 0
ISHARES TR IBOXX INV CP ETF 464287242 746 6,171 SH   SOLE   6,171 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 811 6,237 SH   SOLE   6,237 0 0
AFLAC INC COM 001055102 405 6,294 SH   SOLE   6,294 0 0
ISHARES TR US REGNL BKS ETF 464288778 389 6,600 SH   SOLE   6,600 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 3,093 6,789 SH   SOLE   6,789 0 0
AMERICAN TOWER CORP NEW COM 03027X100 1,712 6,814 SH   SOLE   6,814 0 0
MONDELEZ INTL INC CL A 609207105 430 6,852 SH   SOLE   6,852 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 505 6,909 SH   SOLE   6,909 0 0
ISHARES TR INTRM GOV CR ETF 464288612 753 6,937 SH   SOLE   6,937 0 0
GENERAL MLS INC COM 370334104 477 7,050 SH   SOLE   7,050 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,326 8,345 SH   SOLE   8,345 0 0
META PLATFORMS INC CL A 30303M102 1,907 8,575 SH   SOLE   8,575 0 0
V F CORP COM 918204108 490 8,618 SH   SOLE   8,618 0 0
UNION PAC CORP COM 907818108 2,436 8,915 SH   SOLE   8,915 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,718 8,955 SH   SOLE   8,955 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,659 8,968 SH   SOLE   8,968 0 0
SYNOVUS FINL CORP COM NEW 87161C501 509 10,392 SH   SOLE   10,392 0 0
ISHARES TR U.S. MED DVC ETF 464288810 636 10,425 SH   SOLE   10,425 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 414 10,805 SH   SOLE   10,805 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 848 11,390 SH   SOLE   11,390 0 0
BARNES GROUP INC COM 067806109 460 11,434 SH   SOLE   11,434 0 0
WELLS FARGO CO NEW COM 949746101 583 12,028 SH   SOLE   12,028 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,379 12,903 SH   SOLE   12,903 0 0
BOEING CO COM 097023105 2,489 12,998 SH   SOLE   12,998 0 0
PHILIP MORRIS INTL INC COM 718172109 1,259 13,405 SH   SOLE   13,405 0 0
SCHWAB CHARLES CORP COM 808513105 1,158 13,733 SH   SOLE   13,733 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 827 13,838 SH   SOLE   13,838 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,831 13,860 SH   SOLE   13,860 0 0
ALTRIA GROUP INC COM 02209S103 763 14,603 SH   SOLE   14,603 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 758 15,000 SH   SOLE   15,000 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,928 17,263 SH   SOLE   17,263 0 0
COCA COLA CO COM 191216100 1,137 18,333 SH   SOLE   18,333 0 0
KIMBERLY-CLARK CORP COM 494368103 2,317 18,810 SH   SOLE   18,810 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 7,023 19,372 SH   SOLE   19,372 0 0
ISHARES TR US HLTHCARE ETF 464287762 5,602 19,398 SH   SOLE   19,398 0 0
INTEL CORP COM 458140100 1,010 20,375 SH   SOLE   20,375 0 0
GENERAL MTRS CO COM 37045V100 893 20,421 SH   SOLE   20,421 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,115 20,704 SH   SOLE   20,704 0 0
VENTAS INC COM 92276F100 1,281 20,740 SH   SOLE   20,740 0 0
CSX CORP COM 126408103 779 20,800 SH   SOLE   20,800 0 0
ORACLE CORP COM 68389X105 1,842 22,262 SH   SOLE   22,262 0 0
FEDEX CORP COM 31428X106 5,289 22,858 SH   SOLE   22,858 0 0
MERCK & CO INC COM 58933Y105 1,882 22,942 SH   SOLE   22,942 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,896 23,835 SH   SOLE   23,835 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,141 24,086 SH   SOLE   24,086 0 0
ISHARES TR CORE S&P MCP ETF 464287507 6,468 24,104 SH   SOLE   24,104 0 0
STARBUCKS CORP COM 855244109 2,354 25,882 SH   SOLE   25,882 0 0
NORFOLK SOUTHN CORP COM 655844108 7,658 26,849 SH   SOLE   26,849 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 1,639 27,282 SH   SOLE   27,282 0 0
ISHARES TR CORE S&P SCP ETF 464287804 3,133 29,045 SH   SOLE   29,045 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 11,623 32,934 SH   SOLE   32,934 0 0
HOME DEPOT INC COM 437076102 10,275 34,328 SH   SOLE   34,328 0 0
HONEYWELL INTL INC COM 438516106 6,758 34,730 SH   SOLE   34,730 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 1,933 35,230 SH   SOLE   35,230 0 0
ISHARES TR U.S. TECH ETF 464287721 3,729 36,192 SH   SOLE   36,192 0 0
MEDTRONIC PLC SHS G5960L103 4,154 37,436 SH   SOLE   37,436 0 0
SPDR SER TR S&P DIVID ETF 78464A763 5,005 39,065 SH   SOLE   39,065 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,017 39,465 SH   SOLE   39,465 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 19,019 42,111 SH   SOLE   42,111 0 0
ISHARES TR U.S. FINLS ETF 464287788 3,676 43,484 SH   SOLE   43,484 0 0
SOUTHERN CO COM 842587107 3,205 44,203 SH   SOLE   44,203 0 0
VISA INC COM CL A 92826C839 10,122 45,641 SH   SOLE   45,641 0 0
ABBVIE INC COM 00287Y109 7,756 47,842 SH   SOLE   47,842 0 0
CHEVRON CORP NEW COM 166764100 7,804 47,930 SH   SOLE   47,930 0 0
WALMART INC COM 931142103 7,183 48,231 SH   SOLE   48,231 0 0
AT&T INC COM 00206R102 1,175 49,709 SH   SOLE   49,709 0 0
ISHARES TR CORE US AGGBD ET 464287226 5,551 51,830 SH   SOLE   51,830 0 0
ABBOTT LABS COM 002824100 6,377 53,878 SH   SOLE   53,878 0 0
DISNEY WALT CO COM 254687106 7,452 54,330 SH   SOLE   54,330 0 0
PFIZER INC COM 717081103 2,836 54,771 SH   SOLE   54,771 0 0
JOHNSON & JOHNSON COM 478160104 10,035 56,623 SH   SOLE   56,623 0 0
PEPSICO INC COM 713448108 10,144 60,604 SH   SOLE   60,604 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 6,139 61,962 SH   SOLE   61,962 0 0
JPMORGAN CHASE & CO COM 46625H100 8,870 65,067 SH   SOLE   65,067 0 0
MICROSOFT CORP COM 594918104 21,362 69,287 SH   SOLE   69,287 0 0
NUVEEN MUN VALUE FD INC COM 670928100 666 69,544 SH   SOLE   69,544 0 0
DOMINION ENERGY INC COM 25746U109 6,033 71,003 SH   SOLE   71,003 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 11,609 71,588 SH   SOLE   71,588 0 0
ENBRIDGE INC COM 29250N105 3,410 73,994 SH   SOLE   73,994 0 0
PROCTER AND GAMBLE CO COM 742718109 11,907 77,924 SH   SOLE   77,924 0 0
TRUIST FINL CORP COM 89832Q109 4,626 81,596 SH   SOLE   81,596 0 0
CVS HEALTH CORP COM 126650100 8,581 84,781 SH   SOLE   84,781 0 0
ISHARES TR PFD AND INCM SEC 464288687 3,675 100,895 SH   SOLE   100,895 0 0
COMCAST CORP NEW CL A 20030N101 4,867 103,952 SH   SOLE   103,952 0 0
EXXON MOBIL CORP COM 30231G102 9,276 112,316 SH   SOLE   112,316 0 0
CISCO SYS INC COM 17275R102 6,465 115,946 SH   SOLE   115,946 0 0
APPLE INC COM 037833100 20,955 120,009 SH   SOLE   120,009 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 6,032 122,128 SH   SOLE   122,128 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 7,772 152,563 SH   SOLE   152,563 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 12,970 166,086 SH   SOLE   166,086 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 8,376 169,687 SH   SOLE   169,687 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 5,290 175,565 SH   SOLE   175,565 0 0
BANK OF THE JAMES FINL GP IN COM 470299108 2,616 179,147 SH   SOLE   179,147 0 0
BK OF AMERICA CORP COM 060505104 8,520 206,684 SH   SOLE   206,684 0 0