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
ADVANCED MICRO DEVICES COM 007903107 1,073 9,815 SH   SOLE   9,815 0 0
ALBEMARLE CORP COM 012653101 3,808 17,220 SH   SOLE   17,220 0 0
ALPHABET INC CAP STK CL A 02079K305 4,595 1,652 SH   SOLE   1,652 0 0
ALPHABET INC CAP STK CL C 02079K107 782 280 SH   SOLE   280 0 0
ALTRIA GROUP INC COM 02209S103 265 5,076 SH   SOLE   5,076 0 0
AMAZON COM INC COM 023135106 6,918 2,122 SH   SOLE   2,122 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 1,488 8,987 SH   SOLE   8,987 0 0
APPLE INC COM 037833100 17,925 102,657 SH   SOLE   102,657 0 0
AT&T INC COM 00206R102 271 11,468 SH   SOLE   11,468 0 0
ATLANTIC UN BANKSHARES CORP COM 04911A107 1,037 28,262 SH   SOLE   28,262 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 16,310 46,217 SH   SOLE   46,217 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 218 2,988 SH   SOLE   2,988 0 0
BROADCOM INC COM 11135F101 1,099 1,745 SH   SOLE   1,745 0 0
CARLOTZ INC COM CL A 142552108 14 10,000 SH   SOLE   10,000 0 0
CHARLES RIV LABS INTL INC COM 159864107 1,035 3,645 SH   SOLE   3,645 0 0
CHEVRON CORP NEW COM 166764100 3,798 23,323 SH   SOLE   23,323 0 0
CITIZENS FINL GROUP INC COM 174610105 1,830 40,365 SH   SOLE   40,365 0 0
COCA COLA CO COM 191216100 828 13,353 SH   SOLE   13,353 0 0
CONOCOPHILLIPS COM 20825C104 284 2,840 SH   SOLE   2,840 0 0
CONSOLIDATED EDISON INC COM 209115104 278 2,934 SH   SOLE   2,934 0 0
DANAHER CORP DEL COM 235851102 9,802 33,417 SH   SOLE   33,417 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 722 18,248 SH   SOLE   18,248 0 0
DIGITAL RLTY TR INC COM 253868103 345 2,431 SH   SOLE   2,431 0 0
DISNEY WALT CO COM DISNEY 254687106 4,221 30,773 SH   SOLE   30,773 0 0
DOMINION ENERGY INC COM 25746U109 8,804 103,610 SH   SOLE   103,610 0 0
DUKE ENERGY CORP NEW COM 26441C204 614 5,501 SH   SOLE   5,501 0 0
ENBRIDGE INC COM 29250N105 270 5,866 SH   SOLE   5,866 0 0
ESSENTIAL UTILITIES INC COM 29670G102 7,924 154,969 SH   SOLE   154,969 0 0
EXXON MOBIL CORP COM 30231G102 995 12,051 SH   SOLE   12,051 0 0
FIRST TR EXCHANG TRADED FD I MANAGD MUN ETF 33739N108 2,585 48,719 SH   SOLE   48,719 0 0
FIRST TR EXCHANGE-TRADED FD PFD Secs Inc ETF 33739E108 6,911 363,366 SH   SOLE   363,366 0 0
HOME DEPOT INC COM 437076102 531 1,773 SH   SOLE   1,773 0 0
ILLINOIS TOOL WKS INC COM 452308109 212 1,014 SH   SOLE   1,014 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 850 6,541 SH   SOLE   6,541 0 0
ISHARES GOLD TRUST ISHARES 464285204 4,542 123,318 SH   SOLE   123,318 0 0
ISHARES TR TIPS BD ETF 464287176 7,398 59,392 SH   SOLE   59,392 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 693 14,043 SH   SOLE   14,043 0 0
JOHNSON & JOHNSON COM 478160104 8,272 46,673 SH   SOLE   46,673 0 0
JP MORGAN CHASE & CO COM 46625H100 323 2,368 SH   SOLE   2,368 0 0
LOCKHEED MARTIN CORP COM 539830109 9,127 20,677 SH   SOLE   20,677 0 0
LOWES COS INC COM 548661107 344 1,700 SH   SOLE   1,700 0 0
LULULEMON ATHLETICA INC COM 550021109 245 672 SH   SOLE   672 0 0
MARKEL CORP COM 570535104 217 147 SH   SOLE   147 0 0
MICROSOFT CORP COM 594918104 15,985 51,847 SH   SOLE   51,847 0 0
MORGAN STANLEY COM NEW 617446448 5,396 61,739 SH   SOLE   61,739 0 0
NEXTERA ENERGY INC COM 65339F101 2,541 29,996 SH   SOLE   29,996 0 0
NIKE INC CL B 654106103 5,651 41,994 SH   SOLE   41,994 0 0
NORFOLK SOUTHERN CORP COM 655844108 1,910 6,696 SH   SOLE   6,696 0 0
PALO ALTO NETWORKS INC COM 697435105 6,067 9,746 SH   SOLE   9,746 0 0
PEPSICO INC COM 713448108 7,945 47,468 SH   SOLE   47,468 0 0
PFIZER INC COM 717081103 2,890 55,819 SH   SOLE   55,819 0 0
PHILIP MORRIS INTL INC COM 718172109 493 5,250 SH   SOLE   5,250 0 0
PNC FINL SVCS GROUP INC COM 693475105 487 2,640 SH   SOLE   2,640 0 0
PROCTER AND GAMBLE CO COM 742718109 7,725 50,555 SH   SOLE   50,555 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 249 2,512 SH   SOLE   2,512 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,346 17,064 SH   SOLE   17,064 0 0
SHERWIN WILLIAMS CO COM 824348106 3,100 12,417 SH   SOLE   12,417 0 0
SOUTHERN CO COM 842587107 2,533 34,928 SH   SOLE   34,928 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 2,089 20,037 SH   SOLE   20,037 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 545 922 SH   SOLE   922 0 0
TRANSCANADA CORP COM 87807B107 228 4,044 SH   SOLE   4,044 0 0
TRAVELERS COMPANIES INC COM 89417E109 227 1,244 SH   SOLE   1,244 0 0
UNION PAC CORP COM 907818108 6,177 22,609 SH   SOLE   22,609 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 275 1,296 SH   SOLE   1,296 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 222 975 SH   SOLE   975 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 6,703 131,592 SH   SOLE   131,592 0 0
VISA INC COM CL A 92826C839 7,271 32,787 SH   SOLE   32,787 0 0
WALMART INC COM 931142103 3,949 26,517 SH   SOLE   26,517 0 0
WASTE MGMT INC DEL COM 94106L109 1,524 9,616 SH   SOLE   9,616 0 0
ZOETIS INC CL A 98978V103 4,762 25,250 SH   SOLE   25,250 0 0