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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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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
ILLINOIS TOOL WKS INC COM 452308109   202,130 808 SH   SOLE   808 0 0
POST HLDGS INC COM 737446104   203,628 2,350 SH   SOLE   2,350 0 0
CORTEVA INC COM 22052L104   208,572 3,640 SH   SOLE   3,640 0 0
ATLANTIC UN BANKSHARES CORP COM 04911A107   209,832 8,086 SH   SOLE   6,625 0 1,461
MICROCHIP TECHNOLOGY INC. COM 595017104   210,985 2,355 SH   SOLE   2,355 0 0
BWX TECHNOLOGIES INC COM 05605H100   215,569 3,012 SH   SOLE   3,012 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   218,904 5,808 SH   SOLE   5,774 0 34
CAPITAL ONE FINL CORP COM 14040H105   233,505 2,135 SH   SOLE   1,535 0 600
TEXAS INSTRS INC COM 882508104   233,666 1,298 SH   SOLE   1,298 0 0
ISHARES TR US AER DEF ETF 464288760   236,257 2,025 SH   SOLE   2,025 0 0
ARCH CAP GROUP LTD ORD G0450A105   237,649 3,175 SH   SOLE   3,175 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   246,314 4,955 SH   SOLE   4,955 0 0
KRAFT HEINZ CO COM 500754106   246,335 6,939 SH   SOLE   6,939 0 0
CONSOLIDATED EDISON INC COM 209115104   248,600 2,750 SH   SOLE   2,750 0 0
CONOCOPHILLIPS COM 20825C104   249,390 2,407 SH   SOLE   2,407 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   254,640 4,680 SH   SOLE   4,680 0 0
QUALCOMM INC COM 747525103   258,912 2,175 SH   SOLE   2,175 0 0
CATERPILLAR INC COM 149123101   262,044 1,065 SH   SOLE   1,065 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   262,293 850 SH   SOLE   850 0 0
ISHARES TR NATIONAL MUN ETF 464288414   266,292 2,495 SH   SOLE   2,495 0 0
ISHARES TR INTRM GOV CR ETF 464288612   267,643 2,601 SH   SOLE   2,601 0 0
PACCAR INC COM 693718108   272,867 3,262 SH   SOLE   3,262 0 0
NORTHROP GRUMMAN CORP COM 666807102   278,038 610 SH   SOLE   610 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816   279,325 1,187 SH   SOLE   1,187 0 0
EMERSON ELEC CO COM 291011104   279,577 3,093 SH   SOLE   3,093 0 0
3M CO COM 88579Y101   290,061 2,898 SH   SOLE   2,898 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   296,609 1,905 SH   SOLE   1,905 0 0
INTERDIGITAL INC COM 45867G101   304,133 3,150 SH   SOLE   3,150 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100   305,106 867 SH   SOLE   867 0 0
GENERAL ELECTRIC CO COM NEW 369604301   309,228 2,815 SH   SOLE   2,815 0 0
ROCKWELL AUTOMATION INC COM 773903109   323,520 982 SH   SOLE   982 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   327,712 2,190 SH   SOLE   2,190 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   335,027 6,625 SH   SOLE   6,625 0 0
UNITEDHEALTH GROUP INC COM 91324P102   344,139 716 SH   SOLE   716 0 0
ISHARES TR S&P MC 400VL ETF 464287705   347,102 3,240 SH   SOLE   3,240 0 0
NEXTERA ENERGY INC COM 65339F101   349,408 4,709 SH   SOLE   4,709 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   350,648 2,120 SH   SOLE   2,120 0 0
BARNES GROUP INC COM 067806109   353,342 8,375 SH   SOLE   8,375 0 0
NVIDIA CORPORATION COM 67066G104   353,645 836 SH   SOLE   836 0 0
THE CIGNA GROUP COM 125523100   359,168 1,280 SH   SOLE   1,280 0 0
CINCINNATI FINL CORP COM 172062101   364,950 3,750 SH   SOLE   3,750 0 0
MARATHON PETE CORP COM 56585A102   366,124 3,140 SH   SOLE   3,140 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   366,335 2,760 SH   SOLE   2,760 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   372,479 2,360 SH   SOLE   2,360 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   378,715 1,720 SH   SOLE   1,720 0 0
WELLTOWER INC COM 95040Q104   381,640 4,718 SH   SOLE   4,718 0 0
AMERICAN EXPRESS CO COM 025816109   383,763 2,203 SH   SOLE   2,203 0 0
CANADIAN NATL RY CO COM 136375102   388,635 3,210 SH   SOLE   3,210 0 0
ISHARES TR US CONSUM DISCRE 464287580   391,422 5,500 SH   SOLE   5,500 0 0
SKYWORKS SOLUTIONS INC COM 83088M102   394,278 3,562 SH   SOLE   3,562 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   396,144 1,400 SH   SOLE   1,400 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   408,206 5,492 SH   SOLE   5,492 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   411,468 1,705 SH   SOLE   1,705 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100   421,115 8,735 SH   SOLE   8,735 0 0
BEST BUY INC COM 086516101   424,092 5,175 SH   SOLE   5,175 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   430,544 8,758 SH   SOLE   8,758 0 0
AFLAC INC COM 001055102   439,322 6,294 SH   SOLE   6,294 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   446,586 4,860 SH   SOLE   4,860 0 0
NIKE INC CL B 654106103   447,330 4,053 SH   SOLE   4,053 0 0
COSTCO WHSL CORP NEW COM 22160K105   455,846 847 SH   SOLE   847 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   458,183 2,080 SH   SOLE   2,080 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   459,504 2,267 SH   SOLE   2,267 0 0
APPLIED MATLS INC COM 038222105   459,638 3,180 SH   SOLE   3,180 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   460,101 1,672 SH   SOLE   1,672 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   463,370 7,120 SH   SOLE   7,120 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   467,283 7,307 SH   SOLE   7,307 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   492,532 2,476 SH   SOLE   2,476 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109   492,986 3,350 SH   SOLE   3,350 0 0
AMGEN INC COM 031162100   494,087 2,225 SH   SOLE   2,225 0 0
DOLLAR TREE INC COM 256746108   494,358 3,445 SH   SOLE   3,445 0 0
MONDELEZ INTL INC CL A 609207105   499,348 6,846 SH   SOLE   6,846 0 0
GENERAL MLS INC COM 370334104   506,220 6,600 SH   SOLE   6,600 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   508,707 975 SH   SOLE   975 0 0
ISHARES TR U.S. MED DVC ETF 464288810   519,997 9,210 SH   SOLE   9,210 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   579,743 5,402 SH   SOLE   5,402 0 0
BECTON DICKINSON & CO COM 075887109   590,855 2,238 SH   SOLE   2,238 0 0
AMERICAN ELEC PWR CO INC COM 025537101   644,460 7,654 SH   SOLE   7,654 0 0
LOCKHEED MARTIN CORP COM 539830109   664,789 1,444 SH   SOLE   1,444 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103   678,240 2,880 SH   SOLE   2,880 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   820,992 4,384 SH   SOLE   4,384 0 0
SHERWIN WILLIAMS CO COM 824348106   830,813 3,129 SH   SOLE   3,129 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   907,965 6,785 SH   SOLE   6,485 0 300
LOWES COS INC COM 548661107   912,957 4,045 SH   SOLE   4,045 0 0
LILLY ELI & CO COM 532457108   928,112 1,979 SH   SOLE   1,979 0 0
BROADCOM INC COM 11135F101   955,908 1,102 SH   SOLE   1,102 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,036,245 5,781 SH   SOLE   5,781 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   1,181,592 5,376 SH   SOLE   4,576 0 800
AMERICAN TOWER CORP NEW COM 03027X100   1,411,302 7,277 SH   SOLE   7,277 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,436,084 8,457 SH   SOLE   8,457 0 0
VISA INC COM CL A 92826C839   1,532,221 6,452 SH   SOLE   6,452 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,579,692 9,086 SH   SOLE   9,086 0 0
MCDONALDS CORP COM 580135101   1,721,528 5,769 SH   SOLE   5,769 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,750,749 3,928 SH   SOLE   3,928 0 0
UNION PAC CORP COM 907818108   1,806,795 8,830 SH   SOLE   8,830 0 0
ELEVANCE HEALTH INC COM 036752103   2,027,740 4,564 SH   SOLE   4,564 0 0
META PLATFORMS INC CL A 30303M102   2,439,904 8,502 SH   SOLE   8,502 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   3,578,429 7,318 SH   SOLE   7,318 0 0
VENTAS INC COM 92276F100   489,009 10,345 SH   SOLE   10,345 0 0
SYNOVUS FINL CORP COM NEW 87161C501   314,358 10,392 SH   SOLE   10,392 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   370,136 10,980 SH   SOLE   10,730 0 250
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,446,697 10,918 SH   SOLE   10,918 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   548,696 11,571 SH   SOLE   11,571 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   757,258 11,572 SH   SOLE   11,572 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   656,585 11,708 SH   SOLE   11,708 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   913,444 12,073 SH   SOLE   12,073 0 0
WELLS FARGO CO NEW COM 949746101   538,645 12,621 SH   SOLE   12,577 0 44
ISHARES TR CORE HIGH DV ETF 46429B663   1,281,142 12,711 SH   SOLE   12,711 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   697,048 13,716 SH   SOLE   13,716 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,153,048 14,590 SH   SOLE   14,590 0 0
ALTRIA GROUP INC COM 02209S103   668,311 14,753 SH   SOLE   14,753 0 0
PHILIP MORRIS INTL INC COM 718172109   1,442,824 14,780 SH   SOLE   14,780 0 0
SHELL PLC SPON ADS 780259305   929,249 15,390 SH   SOLE   15,390 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,779,654 15,738 SH   SOLE   15,738 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   1,438,174 16,026 SH   SOLE   16,026 0 0
BOEING CO COM 097023105   3,524,472 16,691 SH   SOLE   16,691 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,639,879 16,742 SH   SOLE   16,742 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   958,682 16,902 SH   SOLE   16,902 0 0
ISHARES TR US HLTHCARE ETF 464287762   4,950,939 17,666 SH   SOLE   17,666 0 0
ALPHABET INC CAP STK CL C 02079K107   2,225,848 18,400 SH   SOLE   18,400 0 0
INTEL CORP COM 458140100   623,757 18,653 SH   SOLE   18,653 0 0
KIMBERLY-CLARK CORP COM 494368103   2,577,857 18,672 SH   SOLE   18,672 0 0
INVESCO QQQ TR UNIT SER 1 46137V662   7,425,342 20,100 SH   SOLE   20,100 0 0
SCHWAB CHARLES CORP COM 808513105   1,167,227 20,593 SH   SOLE   20,593 0 0
CSX CORP COM 126408103   735,537 21,570 SH   SOLE   21,570 0 0
GENERAL MTRS CO COM 37045V100   847,588 21,981 SH   SOLE   21,981 0 0
FEDEX CORP COM 31428X106   5,859,117 23,635 SH   SOLE   23,635 0 0
ISHARES TR CORE S&P MCP ETF 464287507   6,437,766 24,620 SH   SOLE   24,620 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,088,255 24,846 SH   SOLE   24,846 0 0
ORACLE CORP COM 68389X105   2,970,939 24,947 SH   SOLE   24,947 0 0
COCA COLA CO COM 191216100   1,603,719 26,631 SH   SOLE   26,631 0 0
NORFOLK SOUTHN CORP COM 655844108   6,072,180 26,778 SH   SOLE   26,778 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   726,624 28,800 SH   SOLE   28,800 0 0
STARBUCKS CORP COM 855244109   2,920,785 29,485 SH   SOLE   29,485 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,582,308 30,214 SH   SOLE   30,214 0 0
ISHARES TR CORE S&P SCP ETF 464287804   3,208,474 32,197 SH   SOLE   32,197 0 0
MERCK & CO INC COM 58933Y105   3,874,109 33,574 SH   SOLE   33,574 0 0
ISHARES TR U.S. TECH ETF 464287721   3,774,415 34,669 SH   SOLE   34,669 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   12,101,749 35,489 SH   SOLE   35,489 0 0
HOME DEPOT INC COM 437076102   11,045,311 35,557 SH   SOLE   35,557 0 0
MEDTRONIC PLC SHS G5960L103   3,165,874 35,935 SH   SOLE   35,935 0 0
HONEYWELL INTL INC COM 438516106   7,582,673 36,543 SH   SOLE   36,543 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,684,023 37,021 SH   SOLE   37,021 0 0
SPDR SER TR S&P DIVID ETF 78464A763   4,589,641 37,442 SH   SOLE   37,442 0 0
ISHARES TR U.S. FINLS ETF 464287788   2,992,384 40,107 SH   SOLE   40,107 0 0
SOUTHERN CO COM 842587107   2,883,412 41,045 SH   SOLE   40,995 0 50
AT&T INC COM 00206R102   662,292 41,523 SH   SOLE   41,523 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   3,379,919 41,640 SH   SOLE   41,565 0 75
SPDR S&P 500 ETF TR TR UNIT 78462F103   20,189,188 45,545 SH   SOLE   45,545 0 0
AMAZON COM INC COM 023135106   5,975,051 45,835 SH   SOLE   45,835 0 0
CHEVRON CORP NEW COM 166764100   7,425,504 47,191 SH   SOLE   47,191 0 0
ABBVIE INC COM 00287Y109   6,755,363 50,140 SH   SOLE   50,140 0 0
ISHARES TR PFD AND INCM SEC 464288687   1,575,420 50,935 SH   SOLE   50,935 0 0
DISNEY WALT CO COM 254687106   4,897,812 54,859 SH   SOLE   54,684 0 175
WALMART INC COM 931142103   8,737,830 55,591 SH   SOLE   55,591 0 0
ABBOTT LABS COM 002824100   6,164,100 56,541 SH   SOLE   56,541 0 0
PEPSICO INC COM 713448108   11,432,705 61,725 SH   SOLE   61,725 0 0
PFIZER INC COM 717081103   2,300,946 62,730 SH   SOLE   62,730 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   6,205,571 63,348 SH   SOLE   63,348 0 0
JOHNSON & JOHNSON COM 478160104   10,613,283 64,121 SH   SOLE   64,121 0 0
DOMINION ENERGY INC COM 25746U109   3,374,637 65,160 SH   SOLE   65,160 0 0
JPMORGAN CHASE & CO COM 46625H100   10,104,299 69,474 SH   SOLE   69,474 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   11,601,981 71,428 SH   SOLE   71,428 0 0
ENBRIDGE INC COM 29250N105   2,753,707 74,124 SH   SOLE   74,124 0 0
MICROSOFT CORP COM 594918104   25,349,053 74,438 SH   SOLE   74,263 0 175
TRUIST FINL CORP COM 89832Q109   2,529,521 83,345 SH   SOLE   82,102 0 1,243
PROCTER AND GAMBLE CO COM 742718109   13,230,666 87,193 SH   SOLE   87,193 0 0
ALPHABET INC CAP STK CL A 02079K305   10,734,696 89,680 SH   SOLE   89,680 0 0
CVS HEALTH CORP COM 126650100   6,906,295 99,903 SH   SOLE   99,278 0 625
EXXON MOBIL CORP COM 30231G102   12,329,160 114,957 SH   SOLE   113,549 0 1,408
COMCAST CORP NEW CL A 20030N101   4,762,052 114,610 SH   SOLE   114,610 0 0
CISCO SYS INC COM 17275R102   6,684,611 129,196 SH   SOLE   129,196 0 0
APPLE INC COM 037833100   25,082,067 129,309 SH   SOLE   129,309 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   5,713,292 153,624 SH   SOLE   153,374 0 250
BANK OF THE JAMES FINL GP IN COM 470299108   1,793,700 193,287 SH   SOLE   193,287 0 0
BANK AMERICA CORP COM 060505104   7,115,967 248,030 SH   SOLE   246,134 0 1,896