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
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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
STARBUCKS CORP COM Stock 855244109   293,405 3,500 SH   SOLE   0 0 3,500
ELEVANCE HEALTH INC COM Stock 036752103   714,385 2,531 SH   SOLE   0 0 2,531
JOHNSON & JOHNSON COM Stock 478160104   1,708,892 12,269 SH   SOLE   0 0 12,269
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   4,114,360 27,413 SH   SOLE   0 0 27,413
COSTCO WHSL CORP NEW COM Stock 22160K105   909,319 3,441 SH   SOLE   0 0 3,441
GOLDMAN SACHS GROUP INC COM Stock 38141G104   3,695,894 18,064 SH   SOLE   0 0 18,064
PROCTER AND GAMBLE CO COM Stock 742718109   1,988,473 18,135 SH   SOLE   0 0 18,135
COCA COLA CO COM Stock 191216100   587,973 11,547 SH   SOLE   0 0 11,547
ISHARES U.S. HEALTHCARE ETF ETF 464287762   297,201 1,522 SH   SOLE   0 0 1,522
ISHARES MSCI ACWI EX U.S. ETF ETF 464288240   2,934,845 62,764 SH   SOLE   0 0 62,764
INTEL CORP COM Stock 458140100   856,586 17,894 SH   SOLE   0 0 17,894
MEDTRONIC PLC SHS Stock G5960L103   229,840 2,360 SH   SOLE   0 0 2,360
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST ETF 78467X109   1,971,809 7,417 SH   SOLE   0 0 7,417
MERCK & CO INC COM Stock 58933Y105   3,532,265 42,126 SH   SOLE   0 0 42,126
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   11,447,625 107,439 SH   SOLE   0 0 107,439
SPDR S&P 500 ETF TRUST ETF 78462F103   3,013,798 10,286 SH   SOLE   0 0 10,286
MCKESSON CORP COM Stock 58155Q103   205,617 1,530 SH   SOLE   0 0 1,530
NUVEEN VIRGINIA QLTY MUNCPL FD COM CEF 67064R102   193,339 14,838 SH   SOLE   0 0 14,838
ILLINOIS TOOL WKS INC COM Stock 452308109   239,788 1,590 SH   SOLE   0 0 1,590
STEEL DYNAMICS INC COM Stock 858119100   271,317 8,984 SH   SOLE   0 0 8,984
EMERSON ELEC CO COM Stock 291011104   519,215 7,782 SH   SOLE   0 0 7,782
SHENANDOAH TELECOMMUNICATIONS COM Stock 82312B106   2,600,254 67,504 SH   SOLE   0 0 67,504
ISHARES TIPS BOND ETF ETF 464287176   286,069 2,477 SH   SOLE   0 0 2,477
MFS HIGH YIELD MUN TR SH BEN INT CEF 59318E102   90,334 19,098 SH   SOLE   0 0 19,098
ISHARES S&P 100 ETF ETF 464287101   273,176 2,108 SH   SOLE   0 0 2,108
VERIZON COMMUNICATIONS INC COM Stock 92343V104   9,568,806 167,492 SH   SOLE   0 0 167,492
PEPSICO INC COM Stock 713448108   1,091,264 8,322 SH   SOLE   0 0 8,322
US BANCORP DEL COM NEW Stock 902973304   5,633,943 107,518 SH   SOLE   0 0 107,518
XCEL ENERGY INC COM Stock 98389B100   264,849 4,452 SH   SOLE   0 0 4,452
HOME DEPOT INC COM Stock 437076102   627,188 3,016 SH   SOLE   0 0 3,016
FIRST TRUST NASDAQ ABA COMMUNITY BANK INDEX FUND ETF 33736Q104   2,773,290 57,813 SH   SOLE   0 0 57,813
PIMCO 1-5 YEAR US TIPS INDEX ETF ETF 72201R205   1,496,565 28,441 SH   SOLE   0 0 28,441
VANECK VIETNAM ETF ETF 92189F817   4,506,714 281,318 SH   SOLE   0 0 281,318
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   15,773,720 170,269 SH   SOLE   0 0 170,269
SOUTHERN CO COM Stock 842587107   908,029 16,426 SH   SOLE   0 0 16,426
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   3,921,985 50,102 SH   SOLE   0 0 50,102
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   15,105,226 70,860 SH   SOLE   0 0 70,860
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   13,691,235 169,698 SH   SOLE   0 0 169,698
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   246,279 2,741 SH   SOLE   0 0 2,741
ALPHABET INC CAP STK CL A Stock 02079K305   4,181,774 3,862 SH   SOLE   0 0 3,862
EASTMAN CHEM CO COM Stock 277432100   329,766 4,237 SH   SOLE   0 0 4,237
INTUIT COM Stock 461202103   287,463 1,100 SH   SOLE   0 0 1,100
CSX CORP COM Stock 126408103   631,881 8,167 SH   SOLE   0 0 8,167
MICROSOFT CORP COM Stock 594918104   2,068,080 15,438 SH   SOLE   0 0 15,438
SCHLUMBERGER LTD COM STK Stock 806857108   218,491 5,498 SH   SOLE   0 0 5,498
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108   6,685,350 21 SH   SOLE   0 0 21
ROYCE MICRO-CAP TR INC COM CEF 780915104   199,565 24,278 SH   SOLE   0 0 24,278
BOEING CO COM Stock 097023105   801,749 2,203 SH   SOLE   0 0 2,203
VANGUARD SMALL-CAP ETF ETF 922908751   351,388 2,243 SH   SOLE   0 0 2,243
VANGUARD MID-CAP ETF ETF 922908629   203,267 1,216 SH   SOLE   0 0 1,216
VANGUARD LARGE-CAP ETF ETF 922908637   243,843 1,810 SH   SOLE   0 0 1,810
ATLANTIC UN BANKSHARES CORP COM Stock 04911A107   412,336 11,671 SH   SOLE   0 0 11,671
VANGUARD HEALTH CARE ETF ETF 92204A504   270,999 1,558 SH   SOLE   0 0 1,558
NORFOLK SOUTHN CORP COM Stock 655844108   315,938 1,585 SH   SOLE   0 0 1,585
UDR INC COM REIT 902653104   451,279 10,053 SH   SOLE   0 0 10,053
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862   688,024 13,600 SH   SOLE   0 0 13,600
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   260,777 1,237 SH   SOLE   0 0 1,237
PUTNAM MASTER INTER INCOME TR SH BEN INT CEF 746909100   65,637 14,300 SH   SOLE   0 0 14,300
DOLLAR TREE INC COM Stock 256746108   258,703 2,409 SH   SOLE   0 0 2,409
KKR & CO INC COM Stock 48251W104   606,480 24,000 SH   SOLE   0 0 24,000
VANGUARD S&P 500 ETF ETF 922908363   458,901 1,705 SH   SOLE   0 0 1,705
ELI LILLY & CO COM Stock 532457108   307,124 2,772 SH   SOLE   0 0 2,772
AIR PRODS & CHEMS INC COM Stock 009158106   346,799 1,532 SH   SOLE   0 0 1,532
PPL CORP COM Stock 69351T106   217,814 7,024 SH   SOLE   0 0 7,024
INVESCO MUNI INCOME OPPS TRUST CEF 46132X101   93,299 12,180 SH   SOLE   0 0 12,180
ISHARES RUSSELL 2000 ETF ETF 464287655   755,264 4,857 SH   SOLE   0 0 4,857
DUKE ENERGY CORP NEW COM NEW Stock 26441C204   2,106,969 23,878 SH   SOLE   0 0 23,878
SYSCO CORP COM Stock 871829107   7,342,787 103,829 SH   SOLE   0 0 103,829
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   512,566 9,316 SH   SOLE   0 0 9,316
ISHARES SELECT DIVIDEND ETF ETF 464287168   4,653,413 46,740 SH   SOLE   0 0 46,740
AMERICAN ELEC PWR CO INC COM Stock 025537101   287,529 3,267 SH   SOLE   0 0 3,267
PINNACLE FINL PARTNERS INC COM Stock 72346Q104   379,311 6,599 SH   SOLE   0 0 6,599
SCHWAB US AGGREGATE BOND ETF ETF 808524839   4,984,756 94,052 SH   SOLE   0 0 94,052
ISHARES MSCI EAFE VALUE ETF ETF 464288877   528,626 10,997 SH   SOLE   0 0 10,997
ENERGY TRANSFER L P COM UT LTD PTN Stock 29273V100   146,390 10,397 SH   SOLE   0 0 10,397
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF ETF 464286525   3,072,018 33,348 SH   SOLE   0 0 33,348
ISHARES MSCI EAFE MIN VOL FACTOR ETF ETF 46429B689   6,206,627 85,444 SH   SOLE   0 0 85,444
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   2,529,819 40,982 SH   SOLE   0 0 40,982
VANGUARD GROWTH ETF ETF 922908736   404,063 2,473 SH   SOLE   0 0 2,473
FIRST NATL CORP COM Stock 32106V107   1,946,172 95,635 SH   SOLE   0 0 95,635
ISHARES MICRO-CAP ETF ETF 464288869   671,154 7,202 SH   SOLE   0 0 7,202
NUVEEN MUN VALUE FD INC COM CEF 670928100   148,200 14,558 SH   SOLE   0 0 14,558
ROYCE VALUE TR INC COM CEF 780910105   142,722 10,253 SH   SOLE   0 0 10,253
UNITED BANKSHARES INC WEST VA COM Stock 909907107   651,375 17,562 SH   SOLE   0 0 17,562
PACKAGING CORP AMER COM Stock 695156109   1,688,117 17,710 SH   SOLE   0 0 17,710
BLACKSTONE STRATEGIC CRE 2027 TERM ORD CEF 09257R101   146,700 10,000 SH   SOLE   0 0 10,000
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   7,126,789 144,501 SH   SOLE   0 0 144,501
INVESCO FTSE RAFI US 1500 SMALL-MID ETF ETF 46137V597   281,662 2,206 SH   SOLE   0 0 2,206
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW ADR 500472303   5,914,765 135,722 SH   SOLE   0 0 135,722
ROYAL BK CDA COM Stock 780087102   238,200 3,000 SH   SOLE   0 0 3,000
TOTALENERGIES SE SPONSORED ADS ADR 89151E109   569,783 10,213 SH   SOLE   0 0 10,213
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   216,366 1,171 SH   SOLE   0 0 1,171
ENBRIDGE INC COM Stock 29250N105   520,021 14,413 SH   SOLE   0 0 14,413
EOG RES INC COM Stock 26875P101   3,794,500 40,731 SH   SOLE   0 0 40,731
ABBVIE INC COM Stock 00287Y109   486,497 6,690 SH   SOLE   0 0 6,690
CANADIAN IMPERIAL BK COMM TORO COM Stock 136069101   471,360 6,000 SH   SOLE   0 0 6,000
INVESCO INTERNATIONAL DIV ACHIEV ETF ETF 46137V548   321,473 19,674 SH   SOLE   0 0 19,674
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   3,185,901 38,352 SH   SOLE   0 0 38,352
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   5,495,558 107,777 SH   SOLE   0 0 107,777
INVESCO S&P 500 QUALITY ETF ETF 46137V241   9,750,859 294,410 SH   SOLE   0 0 294,410
NUVEEN AMT FREE MUN CR INC FD COM CEF 67071L106   312,195 19,672 SH   SOLE   0 0 19,672
MCDONALDS CORP COM Stock 580135101   657,659 3,167 SH   SOLE   0 0 3,167
CISCO SYS INC COM Stock 17275R102   392,250 7,167 SH   SOLE   0 0 7,167
WISDOMTREE U.S. LARGECAP DIVIDEND FUND ETF 97717W307   11,110,607 114,661 SH   SOLE   0 0 114,661
AT&T INC COM Stock 00206R102   1,553,873 46,370 SH   SOLE   0 0 46,370
KKR INCOME OPPORTUNITIES CEF 48249T106   215,941 13,728 SH   SOLE   0 0 13,728
ISHARES U.S. CONSUMER STAPLES ETF ETF 464287812   269,299 2,217 SH   SOLE   0 0 2,217
ISHARES BIOTECHNOLOGY ETF ETF 464287556   1,600,824 14,673 SH   SOLE   0 0 14,673
CALAMOS CONV & HIGH INCOME FD COM SHS CEF 12811P108   268,503 24,343 SH   SOLE   0 0 24,343
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   619,989 3,133 SH   SOLE   0 0 3,133
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF 74348A467   204,711 2,951 SH   SOLE   0 0 2,951
ISHARES S&P 500 VALUE ETF ETF 464287408   1,867,335 16,019 SH   SOLE   0 0 16,019
WISDOMTREE U.S. AI ENHANCED VALUE FUND ETF 97717W406   408,523 4,763 SH   SOLE   0 0 4,763
ISHARES S&P 500 GROWTH ETF ETF 464287309   1,316,697 7,346 SH   SOLE   0 0 7,346
ISHARES CORE S&P 500 ETF ETF 464287200   2,949,858 10,008 SH   SOLE   0 0 10,008
THE CIGNA GROUP COM Stock 125523100   224,351 1,424 SH   SOLE   0 0 1,424
ROSS STORES INC COM Stock 778296103   305,389 3,081 SH   SOLE   0 0 3,081
WELLS FARGO CO NEW COM Stock 949746101   1,123,416 23,741 SH   SOLE   0 0 23,741
UNION PAC CORP COM Stock 907818108   460,148 2,721 SH   SOLE   0 0 2,721
CARMAX INC COM Stock 143130102   264,311 3,044 SH   SOLE   0 0 3,044
JPMORGAN CHASE & CO COM Stock 46625H100   9,677,073 86,557 SH   SOLE   0 0 86,557
CHEVRON CORP NEW COM Stock 166764100   6,387,185 51,327 SH   SOLE   0 0 51,327
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   8,487,518 75,051 SH   SOLE   0 0 75,051
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   416,725 9,991 SH   SOLE   0 0 9,991
SPDR S&P BANK ETF ETF 78464A797   853,758 19,690 SH   SOLE   0 0 19,690
SPDR S&P RETAIL ETF ETF 78464A714   1,415,921 33,418 SH   SOLE   0 0 33,418
BANK AMERICA CORP COM Stock 060505104   647,425 22,325 SH   SOLE   0 0 22,325
SPDR S&P DIVIDEND ETF ETF 78464A763   21,265,949 210,804 SH   SOLE   0 0 210,804
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   648,984 4,706 SH   SOLE   0 0 4,706
ORACLE CORP COM Stock 68389X105   561,838 9,862 SH   SOLE   0 0 9,862
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   401,985 9,452 SH   SOLE   0 0 9,452
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   16,092,163 184,163 SH   SOLE   0 0 184,163
PFIZER INC COM Stock 717081103   1,070,300 24,707 SH   SOLE   0 0 24,707
3M CO COM Stock 88579Y101   544,133 3,139 SH   SOLE   0 0 3,139
ALPHABET INC CAP STK CL C Stock 02079K107   2,476,365 2,291 SH   SOLE   0 0 2,291
AMERICAN EXPRESS CO COM Stock 025816109   273,913 2,219 SH   SOLE   0 0 2,219
AMGEN INC COM Stock 031162100   373,720 2,028 SH   SOLE   0 0 2,028
INVESCO FTSE RAFI EMERGING MARKETS ETF ETF 46138E727   1,846,303 85,477 SH   SOLE   0 0 85,477
BLACKROCK MUNIENHANCED CEF 09253Y100   154,135 13,886 SH   SOLE   0 0 13,886
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   15,304,880 132,901 SH   SOLE   0 0 132,901
ISHARES CORE US AGGREGATE BOND ETF ETF 464287226   12,238,367 109,909 SH   SOLE   0 0 109,909
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549   3,026,001 14,032 SH   SOLE   0 0 14,032
VANGUARD SHORT-TERM BOND ETF ETF 921937827   14,328,577 177,928 SH   SOLE   0 0 177,928
GABELLI EQUITY TR INC COM CEF 362397101   254,764 41,224 SH   SOLE   0 0 41,224
PNC FINL SVCS GROUP INC COM Stock 693475105   5,893,019 42,927 SH   SOLE   0 0 42,927
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   1,740,125 38,371 SH   SOLE   0 0 38,371
ISHARES RUSSELL 3000 ETF ETF 464287689   823,191 4,776 SH   SOLE   0 0 4,776
DOMINION ENERGY INC COM Stock 25746U109   3,606,398 46,642 SH   SOLE   0 0 46,642
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281   282,545 2,494 SH   SOLE   0 0 2,494
EXXON MOBIL CORP COM Stock 30231G102   6,703,677 87,481 SH   SOLE   0 0 87,481
UNITEDHEALTH GROUP INC COM Stock 91324P102   486,800 1,995 SH   SOLE   0 0 1,995
TRAVELERS COMPANIES INC COM Stock 89417E109   369,464 2,471 SH   SOLE   0 0 2,471
LOWES COS INC COM Stock 548661107   232,735 2,306 SH   SOLE   0 0 2,306
SHELL PLC SPON ADR B ADR 780259107   963,157 14,651 SH   SOLE   0 0 14,651
TORONTO DOMINION BK ONT COM NEW Stock 891160509   233,440 4,000 SH   SOLE   0 0 4,000
ISHARES CORE S&P MID-CAP ETF ETF 464287507   5,536,604 28,501 SH   SOLE   0 0 28,501
ISHARES MSCI EAFE ETF ETF 464287465   4,079,861 62,070 SH   SOLE   0 0 62,070
APPLE INC COM Stock 037833100   14,632,765 73,933 SH   SOLE   0 0 73,933
ABBOTT LABS COM Stock 002824100   292,668 3,480 SH   SOLE   0 0 3,480
DISNEY WALT CO COM Stock 254687106   2,492,015 17,846 SH   SOLE   0 0 17,846
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   479,546 6,380 SH   SOLE   0 0 6,380
ISHARES RUSSELL 1000 ETF ETF 464287622   6,970,993 42,822 SH   SOLE   0 0 42,822