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 657 10,365 SH   SOLE   10,365 0 0
ALBEMARLE CORP COM 012653101 2,115 7,999 SH   SOLE   7,999 0 0
ALPHABET INC CAP STK CL A 02079K305 5,130 53,630 SH   SOLE   53,630 0 0
ALPHABET INC CAP STK CL C 02079K107 544 5,660 SH   SOLE   5,660 0 0
AMAZON COM INC COM 023135106 4,601 40,718 SH   SOLE   40,718 0 0
APPLE INC COM 037833100 14,278 103,317 SH   SOLE   103,317 0 0
ATLANTIC UN BANKSHARES CORP COM 04911A107 856 28,180 SH   SOLE   28,180 0 0
Berkshire Hathaway Inc DEL CL B NEW 084670702 12,178 45,607 SH   SOLE   45,607 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 211 2,965 SH   SOLE   2,965 0 0
BROADCOM INC COM 11135F101 1,169 2,632 SH   SOLE   2,632 0 0
CARLOTZ INC COM CL A 142552108 3 10,000 SH   SOLE   10,000 0 0
CHEVRON CORP NEW COM 166764100 3,829 26,655 SH   SOLE   26,655 0 0
CITIZENS FINL GROUP INC COM 174610105 1,256 36,560 SH   SOLE   36,560 0 0
COCA COLA CO COM 191216100 747 13,342 SH   SOLE   13,342 0 0
CONOCOPHILLIPS COM 20825C104 510 4,981 SH   SOLE   4,981 0 0
DANAHER CORP DEL COM 235851102 8,640 33,450 SH   SOLE   33,450 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 326 11,618 SH   SOLE   11,618 0 0
DISNEY WALT CO COM DISNEY 254687106 1,283 13,600 SH   SOLE   13,600 0 0
DOMINION ENERGY INC COM 25746U109 7,157 103,556 SH   SOLE   103,556 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 677 7,274 SH   SOLE   7,274 0 0
ENBRIDGE INC COM 29250N105 218 5,866 SH   SOLE   5,866 0 0
ESSENTIAL UTILITIES INC COM 29670G102 6,432 155,433 SH   SOLE   155,433 0 0
EXXON MOBIL CORP COM 30231G102 894 10,235 SH   SOLE   10,235 0 0
FIRST TR EXCHANG TRADED FD I MANAGD MUN ETF 33739N108 1,341 27,529 SH   SOLE   27,529 0 0
FIRST TR EXCHANGE-TRADED FD PFD Secs Inc ETF 33739E108 6,005 359,564 SH   SOLE   359,564 0 0
HOME DEPOT INC COM 437076102 487 1,765 SH   SOLE   1,765 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 759 6,386 SH   SOLE   6,386 0 0
ISHARES GOLD TRUST ISHARES 464285204 3,847 122,023 SH   SOLE   122,023 0 0
ISHARES TR TIPS BD ETF 464287176 6,270 59,771 SH   SOLE   59,771 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 300 6,335 SH   SOLE   6,335 0 0
JOHNSON & JOHNSON COM 478160104 7,653 46,847 SH   SOLE   46,847 0 0
JP MORGAN CHASE & CO COM 46625H100 632 6,051 SH   SOLE   6,051 0 0
LEIDOS HOLDINGS INC COM 525327102 221 2,528 SH   SOLE   2,528 0 0
LOCKHEED MARTIN CORP COM 539830109 8,037 20,806 SH   SOLE   20,806 0 0
LOWES COS INC COM 548661107 319 1,700 SH   SOLE   1,700 0 0
MICROSOFT CORP COM 594918104 11,997 51,510 SH   SOLE   51,510 0 0
MORGAN STANLEY COM NEW 617446448 5,449 68,965 SH   SOLE   68,965 0 0
NEXTERA ENERGY INC COM 65339F101 2,284 29,127 SH   SOLE   29,127 0 0
NIKE INC CL B 654106103 3,792 45,624 SH   SOLE   45,624 0 0
NORFOLK SOUTHERN CORP COM 655844108 1,400 6,680 SH   SOLE   6,680 0 0
PALO ALTO NETWORKS INC COM 697435105 4,838 29,537 SH   SOLE   29,537 0 0
PEPSICO INC COM 713448108 7,760 47,531 SH   SOLE   47,531 0 0
PFIZER INC COM 717081103 2,438 55,710 SH   SOLE   55,710 0 0
PHILIP MORRIS INTL INC COM 718172109 392 4,720 SH   SOLE   4,720 0 0
PNC FINL SVCS GROUP INC COM 693475105 342 2,290 SH   SOLE   2,290 0 0
PROCTER AND GAMBLE CO COM 742718109 6,239 49,419 SH   SOLE   49,419 0 0
QUALCOMM INC COM 747525103 234 2,070 SH   SOLE   2,070 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 202 2,472 SH   SOLE   2,472 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,134 17,074 SH   SOLE   17,074 0 0
SHERWIN WILLIAMS CO COM 824348106 2,394 11,690 SH   SOLE   11,690 0 0
SOUTHERN CO COM 842587107 2,138 31,439 SH   SOLE   31,439 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 468 922 SH   SOLE   922 0 0
UNION PAC CORP COM 907818108 4,473 22,961 SH   SOLE   22,961 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 221 1,296 SH   SOLE   1,296 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 4,844 127,566 SH   SOLE   127,566 0 0
WALMART INC COM 931142103 2,304 17,762 SH   SOLE   17,762 0 0
WASTE MGMT INC DEL COM 94106L109 1,541 9,618 SH   SOLE   9,618 0 0
ZOETIS INC CL A 98978V103 3,564 24,035 SH   SOLE   24,035 0 0