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
VANGUARD INDEX FDS VALUE ETF 922908744 200 1,621 SH   SOLE   1,621 0 0
CONOCOPHILLIPS COM 20825C104 205 2,003 SH   SOLE   2,003 0 0
ISHARES TR US AER DEF ETF 464288760 205 2,245 SH   SOLE   2,245 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 207 1,187 SH   SOLE   1,187 0 0
TEXAS INSTRS INC COM 882508104 207 1,339 SH   SOLE   1,339 0 0
CORTEVA INC COM 22052L104 208 3,640 SH   SOLE   3,640 0 0
ROCKWELL AUTOMATION INC COM 773903109 211 982 SH   SOLE   982 0 0
ISHARES TR ISHARES BIOTECH 464287556 211 1,800 SH   SOLE   1,800 0 0
LINCOLN NATL CORP IND COM 534187109 219 4,998 SH   SOLE   4,998 0 0
UNITEDHEALTH GROUP INC COM 91324P102 225 445 SH   SOLE   445 0 0
EMERSON ELEC CO COM 291011104 230 3,143 SH   SOLE   3,143 0 0
KRAFT HEINZ CO COM 500754106 231 6,939 SH   SOLE   6,939 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 242 4,910 SH   SOLE   4,910 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 246 5,537 SH   SOLE   5,537 0 0
CONSOLIDATED EDISON INC COM 209115104 253 2,950 SH   SOLE   2,950 0 0
PAYPAL HLDGS INC COM 70450Y103 255 2,960 SH   SOLE   2,960 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 258 890 SH   SOLE   890 0 0
APPLIED MATLS INC COM 038222105 261 3,180 SH   SOLE   3,180 0 0
V F CORP COM 918204108 263 8,783 SH   SOLE   8,783 0 0
QUALCOMM INC COM 747525103 264 2,340 SH   SOLE   2,340 0 0
NORTHROP GRUMMAN CORP COM 666807102 270 575 SH   SOLE   575 0 0
ISHARES TR NATIONAL MUN ETF 464288414 285 2,778 SH   SOLE   2,778 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 286 2,100 SH   SOLE   2,100 0 0
ISHARES TR US REGNL BKS ETF 464288778 286 6,000 SH   SOLE   6,000 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 293 9,655 SH   SOLE   9,655 0 0
BARNES GROUP INC COM 067806109 293 10,134 SH   SOLE   10,134 0 0
AMERICAN EXPRESS CO COM 025816109 297 2,203 SH   SOLE   2,203 0 0
ISHARES TR S&P MC 400VL ETF 464287705 302 3,350 SH   SOLE   3,350 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 304 2,120 SH   SOLE   2,120 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 304 2,510 SH   SOLE   2,510 0 0
WELLTOWER INC COM 95040Q104 304 4,719 SH   SOLE   4,719 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 305 1,425 SH   SOLE   1,425 0 0
NIKE INC CL B 654106103 305 3,666 SH   SOLE   3,666 0 0
MARATHON PETE CORP COM 56585A102 312 3,140 SH   SOLE   3,140 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 313 1,486 SH   SOLE   1,486 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 314 3,682 SH   SOLE   3,682 0 0
ISHARES TR US CONSUM DISCRE 464287580 320 5,500 SH   SOLE   5,500 0 0
BROADCOM INC COM 11135F101 325 732 SH   SOLE   732 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 327 1,912 SH   SOLE   1,912 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 335 6,941 SH   SOLE   6,941 0 0
CINCINNATI FINL CORP COM 172062101 336 3,750 SH   SOLE   3,750 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 343 4,229 SH   SOLE   4,229 0 0
3M CO COM 88579Y101 347 3,138 SH   SOLE   3,138 0 0
NEXTERA ENERGY INC COM 65339F101 351 4,480 SH   SOLE   4,480 0 0
AFLAC INC COM 001055102 354 6,294 SH   SOLE   6,294 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 356 1,895 SH   SOLE   1,895 0 0
CANADIAN NATL RY CO COM 136375102 357 3,310 SH   SOLE   3,310 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 363 5,492 SH   SOLE   5,492 0 0
COSTCO WHSL CORP NEW COM 22160K105 376 797 SH   SOLE   797 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 378 1,845 SH   SOLE   1,845 0 0
MONDELEZ INTL INC CL A 609207105 378 6,900 SH   SOLE   6,900 0 0
SYNOVUS FINL CORP COM NEW 87161C501 390 10,392 SH   SOLE   10,392 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 392 2,430 SH   SOLE   2,430 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 402 2,459 SH   SOLE   2,459 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 427 5,152 SH   SOLE   5,152 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 459 2,560 SH   SOLE   2,560 0 0
AMGEN INC COM 031162100 460 2,042 SH   SOLE   2,042 0 0
DOLLAR TREE INC COM 256746108 469 3,445 SH   SOLE   3,445 0 0
ISHARES TR U.S. MED DVC ETF 464288810 477 10,100 SH   SOLE   10,100 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 489 965 SH   SOLE   965 0 0
BECTON DICKINSON & CO COM 075887109 494 2,215 SH   SOLE   2,215 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 509 7,157 SH   SOLE   7,157 0 0
SHERWIN WILLIAMS CO COM 824348106 529 2,583 SH   SOLE   2,583 0 0
WELLS FARGO CO NEW COM 949746101 536 13,329 SH   SOLE   13,329 0 0
GENERAL MLS INC COM 370334104 540 7,050 SH   SOLE   7,050 0 0
AMERICAN ELEC PWR CO INC COM 025537101 544 6,289 SH   SOLE   6,289 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 547 11,958 SH   SOLE   11,958 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 548 5,030 SH   SOLE   5,030 0 0
SHELL PLC SPON ADS 780259305 550 11,050 SH   SOLE   11,050 0 0
ISHARES TR INTRM GOV CR ETF 464288612 553 5,434 SH   SOLE   5,434 0 0
CSX CORP COM 126408103 553 20,775 SH   SOLE   20,775 0 0
LOCKHEED MARTIN CORP COM 539830109 567 1,469 SH   SOLE   1,469 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103 579 2,880 SH   SOLE   2,880 0 0
ALTRIA GROUP INC COM 02209S103 596 14,753 SH   SOLE   14,753 0 0
CIGNA CORP NEW COM 125523100 605 2,180 SH   SOLE   2,180 0 0
LILLY ELI & CO COM 532457108 624 1,929 SH   SOLE   1,929 0 0
LOWES COS INC COM 548661107 672 3,576 SH   SOLE   3,576 0 0
INTEL CORP COM 458140100 691 26,803 SH   SOLE   26,803 0 0
GENERAL MTRS CO COM 37045V100 701 21,841 SH   SOLE   21,841 0 0
AT&T INC COM 00206R102 707 46,105 SH   SOLE   46,105 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 708 3,131 SH   SOLE   3,131 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 708 4,294 SH   SOLE   4,294 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 729 15,158 SH   SOLE   15,158 0 0
VENTAS INC COM 92276F100 735 18,292 SH   SOLE   18,292 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 740 6,225 SH   SOLE   6,225 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 746 11,390 SH   SOLE   11,390 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 756 15,032 SH   SOLE   15,032 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 882 20,834 SH   SOLE   20,834 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 904 23,906 SH   SOLE   23,906 0 0
UNITED PARCEL SERVICE INC CL B 911312106 957 5,926 SH   SOLE   5,926 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 992 8,350 SH   SOLE   8,350 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,051 7,375 SH   SOLE   7,375 0 0
VISA INC COM CL A 92826C839 1,136 6,396 SH   SOLE   6,396 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,157 12,673 SH   SOLE   12,673 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,217 3,394 SH   SOLE   3,394 0 0
PHILIP MORRIS INTL INC COM 718172109 1,227 14,780 SH   SOLE   14,780 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 1,247 27,605 SH   SOLE   27,605 0 0
SCHWAB CHARLES CORP COM 808513105 1,260 17,538 SH   SOLE   17,538 0 0
MCDONALDS CORP COM 580135101 1,322 5,730 SH   SOLE   5,730 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,338 14,810 SH   SOLE   14,810 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,345 13,956 SH   SOLE   13,956 0 0
AMERICAN TOWER CORP NEW COM 03027X100 1,439 6,704 SH   SOLE   6,704 0 0
ORACLE CORP COM 68389X105 1,491 24,422 SH   SOLE   24,422 0 0
COCA COLA CO COM 191216100 1,492 26,631 SH   SOLE   26,631 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,555 16,720 SH   SOLE   16,720 0 0
META PLATFORMS INC CL A 30303M102 1,567 11,552 SH   SOLE   11,552 0 0
UNION PAC CORP COM 907818108 1,715 8,801 SH   SOLE   8,801 0 0
ALPHABET INC CAP STK CL C 02079K107 1,779 18,500 SH   SOLE   18,500 0 0
BOEING CO COM 097023105 1,851 15,290 SH   SOLE   15,290 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,916 6,962 SH   SOLE   6,962 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,031 36,256 SH   SOLE   36,256 0 0
ELEVANCE HEALTH INC COM 036752103 2,076 4,570 SH   SOLE   4,570 0 0
KIMBERLY-CLARK CORP COM 494368103 2,120 18,840 SH   SOLE   18,840 0 0
ISHARES TR PFD AND INCM SEC 464288687 2,128 67,204 SH   SOLE   67,204 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 2,177 45,927 SH   SOLE   45,927 0 0
BANK OF THE JAMES FINL GP IN COM 470299108 2,257 178,597 SH   SOLE   178,597 0 0
STARBUCKS CORP COM 855244109 2,446 29,032 SH   SOLE   29,032 0 0
ISHARES TR U.S. TECH ETF 464287721 2,619 35,702 SH   SOLE   35,702 0 0
PFIZER INC COM 717081103 2,687 61,407 SH   SOLE   61,407 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,715 31,142 SH   SOLE   31,142 0 0
ENBRIDGE INC COM 29250N105 2,795 75,324 SH   SOLE   75,324 0 0
SOUTHERN CO COM 842587107 2,856 42,005 SH   SOLE   42,005 0 0
ISHARES TR U.S. FINLS ETF 464287788 2,857 42,289 SH   SOLE   42,289 0 0
MERCK & CO INC COM 58933Y105 2,888 33,534 SH   SOLE   33,534 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,965 41,175 SH   SOLE   41,175 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 3,051 104,420 SH   SOLE   104,420 0 0
MEDTRONIC PLC SHS G5960L103 3,140 38,881 SH   SOLE   38,881 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,503 47,161 SH   SOLE   47,161 0 0
COMCAST CORP NEW CL A 20030N101 3,506 119,551 SH   SOLE   119,551 0 0
FEDEX CORP COM 31428X106 3,529 23,767 SH   SOLE   23,767 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,556 10,833 SH   SOLE   10,833 0 0
TRUIST FINL CORP COM 89832Q109 3,595 82,560 SH   SOLE   82,560 0 0
SPDR SER TR S&P DIVID ETF 78464A763 4,404 39,494 SH   SOLE   39,494 0 0
ISHARES TR US HLTHCARE ETF 464287762 4,873 19,259 SH   SOLE   19,259 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 5,003 102,215 SH   SOLE   102,215 0 0
AMAZON COM INC COM 023135106 5,103 45,159 SH   SOLE   45,159 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 5,172 63,187 SH   SOLE   63,187 0 0
ISHARES TR CORE S&P MCP ETF 464287507 5,278 24,072 SH   SOLE   24,072 0 0
CISCO SYS INC COM 17275R102 5,311 132,783 SH   SOLE   132,783 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 5,326 19,927 SH   SOLE   19,927 0 0
DISNEY WALT CO COM 254687106 5,402 57,262 SH   SOLE   57,262 0 0
ABBOTT LABS COM 002824100 5,415 55,962 SH   SOLE   55,962 0 0
DOMINION ENERGY INC COM 25746U109 5,475 79,228 SH   SOLE   79,228 0 0
NORFOLK SOUTHN CORP COM 655844108 5,627 26,841 SH   SOLE   26,841 0 0
HONEYWELL INTL INC COM 438516106 6,062 36,305 SH   SOLE   36,305 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 6,221 163,848 SH   SOLE   163,848 0 0
ABBVIE INC COM 00287Y109 6,644 49,505 SH   SOLE   49,505 0 0
CHEVRON CORP NEW COM 166764100 6,829 47,534 SH   SOLE   47,534 0 0
BK OF AMERICA CORP COM 060505104 6,868 227,434 SH   SOLE   227,434 0 0
JPMORGAN CHASE & CO COM 46625H100 7,158 68,493 SH   SOLE   68,493 0 0
WALMART INC COM 931142103 7,182 55,371 SH   SOLE   55,371 0 0
ALPHABET INC CAP STK CL A 02079K305 8,678 90,730 SH   SOLE   90,730 0 0
CVS HEALTH CORP COM 126650100 9,047 94,865 SH   SOLE   94,865 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 9,484 35,518 SH   SOLE   35,518 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 9,574 70,838 SH   SOLE   70,838 0 0
HOME DEPOT INC COM 437076102 9,760 35,370 SH   SOLE   35,370 0 0
EXXON MOBIL CORP COM 30231G102 9,833 112,619 SH   SOLE   112,619 0 0
PEPSICO INC COM 713448108 9,954 60,972 SH   SOLE   60,972 0 0
JOHNSON & JOHNSON COM 478160104 10,211 62,508 SH   SOLE   62,508 0 0
PROCTER AND GAMBLE CO COM 742718109 10,855 85,979 SH   SOLE   85,979 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 15,160 42,443 SH   SOLE   42,443 0 0
MICROSOFT CORP COM 594918104 17,186 73,793 SH   SOLE   73,793 0 0
APPLE INC COM 037833100 18,112 131,057 SH   SOLE   131,057 0 0