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
UNITEDHEALTH GROUP INC COM 91324P102   267,486 566 SH   SOLE   566 0 0
NORTHROP GRUMMAN CORP COM 666807102   288,575 625 SH   SOLE   625 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   221,503 775 SH   SOLE   775 0 0
COSTCO WHSL CORP NEW COM 22160K105   418,216 842 SH   SOLE   842 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100   280,413 890 SH   SOLE   890 0 0
CATERPILLAR INC COM 149123101   220,831 965 SH   SOLE   965 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   561,961 975 SH   SOLE   975 0 0
ROCKWELL AUTOMATION INC COM 773903109   288,168 982 SH   SOLE   982 0 0
BROADCOM INC COM 11135F101   668,485 1,042 SH   SOLE   1,042 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816   242,754 1,187 SH   SOLE   1,187 0 0
THE CIGNA GROUP COM 125523100   327,079 1,280 SH   SOLE   1,280 0 0
TEXAS INSTRS INC COM 882508104   249,068 1,339 SH   SOLE   1,339 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   349,216 1,400 SH   SOLE   1,400 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   204,638 1,415 SH   SOLE   1,415 0 0
LOCKHEED MARTIN CORP COM 539830109   694,441 1,469 SH   SOLE   1,469 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   352,018 1,669 SH   SOLE   1,669 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   408,276 1,671 SH   SOLE   1,671 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   391,162 1,705 SH   SOLE   1,705 0 0
ISHARES TR ISHARES BIOTECH 464287556   229,259 1,775 SH   SOLE   1,775 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   261,126 1,780 SH   SOLE   1,780 0 0
LILLY ELI & CO COM 532457108   662,458 1,929 SH   SOLE   1,929 0 0
AMGEN INC COM 031162100   501,732 2,075 SH   SOLE   2,075 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   426,569 2,090 SH   SOLE   2,090 0 0
CONOCOPHILLIPS COM 20825C104   209,730 2,114 SH   SOLE   2,114 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   336,572 2,120 SH   SOLE   2,120 0 0
QUALCOMM INC COM 747525103   277,487 2,175 SH   SOLE   2,175 0 0
AMERICAN EXPRESS CO COM 025816109   363,385 2,203 SH   SOLE   2,203 0 0
BECTON DICKINSON & CO COM 075887109   553,995 2,238 SH   SOLE   2,238 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   422,860 2,264 SH   SOLE   2,264 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   431,296 2,275 SH   SOLE   2,275 0 0
ISHARES TR US AER DEF ETF 464288760   262,958 2,285 SH   SOLE   2,285 0 0
POST HLDGS INC COM 737446104   211,195 2,350 SH   SOLE   2,350 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   359,334 2,360 SH   SOLE   2,360 0 0
ISHARES TR NATIONAL MUN ETF 464288414   279,586 2,595 SH   SOLE   2,595 0 0
SHERWIN WILLIAMS CO COM 824348106   598,788 2,664 SH   SOLE   2,664 0 0
CONSOLIDATED EDISON INC COM 209115104   263,093 2,750 SH   SOLE   2,750 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   357,310 2,760 SH   SOLE   2,760 0 0
GENERAL ELECTRIC CO COM NEW 369604301   269,114 2,815 SH   SOLE   2,815 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103   669,255 2,880 SH   SOLE   2,880 0 0
MARATHON PETE CORP COM 56585A102   423,367 3,140 SH   SOLE   3,140 0 0
EMERSON ELEC CO COM 291011104   273,707 3,141 SH   SOLE   3,141 0 0
INTERDIGITAL INC COM 45867G101   229,635 3,150 SH   SOLE   3,150 0 0
3M CO COM 88579Y101   331,938 3,158 SH   SOLE   3,158 0 0
ARCH CAP GROUP LTD ORD G0450A105   215,488 3,175 SH   SOLE   3,175 0 0
APPLIED MATLS INC COM 038222105   390,600 3,180 SH   SOLE   3,180 0 0
CANADIAN NATL RY CO COM 136375102   378,684 3,210 SH   SOLE   3,210 0 0
ISHARES TR S&P MC 400VL ETF 464287705   331,948 3,230 SH   SOLE   3,230 0 0
PACCAR INC COM 693718108   238,779 3,262 SH   SOLE   3,262 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109   399,655 3,350 SH   SOLE   3,350 0 0
SKYWORKS SOLUTIONS INC COM 83088M102   403,728 3,422 SH   SOLE   3,422 0 0
DOLLAR TREE INC COM 256746108   494,530 3,445 SH   SOLE   3,445 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   802,804 3,606 SH   SOLE   3,606 0 0
CORTEVA INC COM 22052L104   219,529 3,640 SH   SOLE   3,640 0 0
LOWES COS INC COM 548661107   747,288 3,737 SH   SOLE   3,737 0 0
CINCINNATI FINL CORP COM 172062101   420,300 3,750 SH   SOLE   3,750 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,614,723 3,928 SH   SOLE   3,928 0 0
NIKE INC CL B 654106103   497,060 4,053 SH   SOLE   4,053 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   779,965 4,372 SH   SOLE   4,372 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   203,817 4,455 SH   SOLE   4,455 0 0
ELEVANCE HEALTH INC COM 036752103   2,067,306 4,496 SH   SOLE   4,496 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   248,919 4,655 SH   SOLE   4,655 0 0
NEXTERA ENERGY INC COM 65339F101   362,970 4,709 SH   SOLE   4,709 0 0
WELLTOWER INC COM 95040Q104   338,306 4,719 SH   SOLE   4,719 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   431,520 4,860 SH   SOLE   4,860 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   248,152 4,910 SH   SOLE   4,910 0 0
ISHARES TR INTRM GOV CR ETF 464288612   525,794 5,032 SH   SOLE   5,032 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   546,575 5,402 SH   SOLE   5,402 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   399,474 5,492 SH   SOLE   5,492 0 0
ISHARES TR US CONSUM DISCRE 464287580   355,795 5,500 SH   SOLE   5,500 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   207,048 5,539 SH   SOLE   5,539 0 0
MCDONALDS CORP COM 580135101   1,618,663 5,789 SH   SOLE   5,789 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,147,645 5,916 SH   SOLE   5,916 0 0
ISHARES TR US REGNL BKS ETF 464288778   214,383 5,990 SH   SOLE   5,990 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   814,132 6,210 SH   SOLE   6,210 0 0
AMERICAN ELEC PWR CO INC COM 025537101   572,538 6,292 SH   SOLE   6,292 0 0
VISA INC COM CL A 92826C839   1,437,984 6,378 SH   SOLE   6,378 0 0
AFLAC INC COM 001055102   412,799 6,398 SH   SOLE   6,398 0 0
GENERAL MLS INC COM 370334104   564,036 6,600 SH   SOLE   6,600 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   349,986 6,825 SH   SOLE   6,825 0 0
MONDELEZ INTL INC CL A 609207105   477,304 6,846 SH   SOLE   6,846 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   399,704 6,895 SH   SOLE   6,895 0 0
KRAFT HEINZ CO COM 500754106   268,332 6,939 SH   SOLE   6,939 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   489,121 7,057 SH   SOLE   7,057 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   2,741,908 7,115 SH   SOLE   7,115 0 0
AMERICAN TOWER CORP NEW COM 03027X100   1,456,740 7,129 SH   SOLE   7,129 0 0
BARNES GROUP INC COM 067806109   338,836 8,412 SH   SOLE   8,412 0 0
META PLATFORMS INC CL A 30303M102   1,788,138 8,437 SH   SOLE   8,437 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,282,377 8,492 SH   SOLE   8,492 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,275,128 8,527 SH   SOLE   8,527 0 0
UNION PAC CORP COM 907818108   1,780,145 8,845 SH   SOLE   8,845 0 0
ISHARES TR U.S. MED DVC ETF 464288810   499,315 9,250 SH   SOLE   9,250 0 0
SYNOVUS FINL CORP COM NEW 87161C501   320,386 10,392 SH   SOLE   10,392 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   336,932 10,480 SH   SOLE   10,480 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,069,467 10,821 SH   SOLE   10,821 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   553,243 11,569 SH   SOLE   11,569 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   787,220 11,630 SH   SOLE   11,630 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   660,202 11,958 SH   SOLE   11,958 0 0
WELLS FARGO CO NEW COM 949746101   468,414 12,531 SH   SOLE   12,531 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   1,293,421 12,723 SH   SOLE   12,723 0 0
SHELL PLC SPON ADS 780259305   763,269 13,265 SH   SOLE   13,265 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,329,397 13,342 SH   SOLE   13,342 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,075,751 13,410 SH   SOLE   13,410 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100   663,207 13,680 SH   SOLE   13,680 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   691,150 13,716 SH   SOLE   13,716 0 0
VENTAS INC COM 92276F100   600,181 13,845 SH   SOLE   13,845 0 0
ALTRIA GROUP INC COM 02209S103   658,279 14,753 SH   SOLE   14,753 0 0
PHILIP MORRIS INTL INC COM 718172109   1,437,355 14,780 SH   SOLE   14,780 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,627,759 15,608 SH   SOLE   15,608 0 0
BOEING CO COM 097023105   3,349,172 15,766 SH   SOLE   15,766 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   1,579,986 16,378 SH   SOLE   16,378 0 0
ALPHABET INC CAP STK CL C 02079K107   1,913,600 18,400 SH   SOLE   18,400 0 0
ISHARES TR US HLTHCARE ETF 464287762   5,044,784 18,475 SH   SOLE   18,475 0 0
KIMBERLY-CLARK CORP COM 494368103   2,506,559 18,675 SH   SOLE   18,675 0 0
SCHWAB CHARLES CORP COM 808513105   983,083 18,768 SH   SOLE   18,768 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,443,034 18,930 SH   SOLE   18,930 0 0
INTEL CORP COM 458140100   625,729 19,153 SH   SOLE   19,153 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   576,571 19,459 SH   SOLE   19,459 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   6,413,466 19,984 SH   SOLE   19,984 0 0
GENERAL MTRS CO COM 37045V100   775,452 21,141 SH   SOLE   21,141 0 0
CSX CORP COM 126408103   636,824 21,270 SH   SOLE   21,270 0 0
FEDEX CORP COM 31428X106   5,376,370 23,530 SH   SOLE   23,530 0 0
ISHARES TR CORE S&P MCP ETF 464287507   6,084,809 24,324 SH   SOLE   24,324 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   1,643,694 24,632 SH   SOLE   24,632 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,039,697 24,796 SH   SOLE   24,796 0 0
ORACLE CORP COM 68389X105   2,318,076 24,947 SH   SOLE   24,947 0 0
COCA COLA CO COM 191216100   1,651,921 26,631 SH   SOLE   26,631 0 0
NORFOLK SOUTHN CORP COM 655844108   5,657,008 26,684 SH   SOLE   26,684 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   1,402,257 28,478 SH   SOLE   28,478 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   640,672 28,525 SH   SOLE   28,525 0 0
STARBUCKS CORP COM 855244109   3,059,861 29,385 SH   SOLE   29,385 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,491,441 30,834 SH   SOLE   30,834 0 0
ISHARES TR CORE S&P SCP ETF 464287804   3,050,733 31,548 SH   SOLE   31,548 0 0
MERCK & CO INC COM 58933Y105   3,549,069 33,359 SH   SOLE   33,359 0 0
ISHARES TR U.S. TECH ETF 464287721   3,243,896 34,952 SH   SOLE   34,952 0 0
HOME DEPOT INC COM 437076102   10,412,025 35,281 SH   SOLE   35,281 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   10,990,051 35,593 SH   SOLE   35,593 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,581,586 36,096 SH   SOLE   36,096 0 0
HONEYWELL INTL INC COM 438516106   6,940,906 36,317 SH   SOLE   36,317 0 0
MEDTRONIC PLC SHS G5960L103   2,951,499 36,610 SH   SOLE   36,610 0 0
SPDR SER TR S&P DIVID ETF 78464A763   4,659,043 37,661 SH   SOLE   37,661 0 0
SOUTHERN CO COM 842587107   2,878,595 41,371 SH   SOLE   41,371 0 0
ISHARES TR U.S. FINLS ETF 464287788   2,955,654 41,547 SH   SOLE   41,547 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   3,485,073 42,075 SH   SOLE   42,075 0 0
AT&T INC COM 00206R102   817,259 42,455 SH   SOLE   42,455 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   17,806,009 43,494 SH   SOLE   43,494 0 0
AMAZON COM INC COM 023135106   4,601,777 44,552 SH   SOLE   44,552 0 0
CHEVRON CORP NEW COM 166764100   7,701,642 47,203 SH   SOLE   47,203 0 0
ABBVIE INC COM 00287Y109   7,977,266 50,055 SH   SOLE   50,055 0 0
ISHARES TR PFD AND INCM SEC 464288687   1,690,688 54,154 SH   SOLE   54,154 0 0
WALMART INC COM 931142103   8,139,127 55,199 SH   SOLE   55,199 0 0
DISNEY WALT CO COM 254687106   5,529,580 55,224 SH   SOLE   55,224 0 0
ABBOTT LABS COM 002824100   5,698,812 56,279 SH   SOLE   56,279 0 0
PEPSICO INC COM 713448108   11,149,104 61,158 SH   SOLE   61,158 0 0
PFIZER INC COM 717081103   2,500,235 61,280 SH   SOLE   61,280 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   6,186,337 63,171 SH   SOLE   63,171 0 0
JOHNSON & JOHNSON COM 478160104   9,897,879 63,857 SH   SOLE   63,857 0 0
DOMINION ENERGY INC COM 25746U109   3,722,991 66,589 SH   SOLE   66,589 0 0
JPMORGAN CHASE & CO COM 46625H100   8,975,753 68,880 SH   SOLE   68,880 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   10,942,191 71,049 SH   SOLE   71,049 0 0
MICROSOFT CORP COM 594918104   21,331,552 73,991 SH   SOLE   73,991 0 0
ENBRIDGE INC COM 29250N105   2,875,519 75,374 SH   SOLE   75,374 0 0
TRUIST FINL CORP COM 89832Q109   2,795,109 81,968 SH   SOLE   81,968 0 0
PROCTER AND GAMBLE CO COM 742718109   12,882,353 86,639 SH   SOLE   86,639 0 0
ALPHABET INC CAP STK CL A 02079K305   9,227,821 88,960 SH   SOLE   88,960 0 0
CVS HEALTH CORP COM 126650100   7,079,143 95,265 SH   SOLE   95,265 0 0
EXXON MOBIL CORP COM 30231G102   12,232,276 111,547 SH   SOLE   111,547 0 0
COMCAST CORP NEW CL A 20030N101   4,396,315 115,967 SH   SOLE   115,967 0 0
CISCO SYS INC COM 17275R102   6,643,901 127,095 SH   SOLE   127,095 0 0
APPLE INC COM 037833100   21,222,795 128,701 SH   SOLE   128,701 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   5,914,991 152,095 SH   SOLE   152,095 0 0
BANK OF THE JAMES FINL GP IN COM 470299108   1,977,451 188,149 SH   SOLE   188,149 0 0
BANK AMERICA CORP COM 060505104   6,494,568 227,083 SH   SOLE   227,083 0 0