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
3M CO COM Stock 88579Y101   135,239 1,275 SH   SOLE   0 0 1,275
ABBOTT LABS COM Stock 002824100   636,723 5,602 SH   SOLE   0 0 5,602
ABBVIE INC COM Stock 00287Y109   1,280,345 7,031 SH   SOLE   0 0 7,031
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   970,508 2,800 SH   SOLE   0 0 2,800
ADOBE INC COM Stock 00724F101   915,849 1,815 SH   SOLE   0 0 1,815
AFLAC INC COM Stock 001055102   312,359 3,638 SH   SOLE   0 0 3,638
AIR PRODS & CHEMS INC COM Stock 009158106   436,086 1,800 SH   SOLE   0 0 1,800
ALPHABET INC CAP STK CL A Stock 02079K305   585,608 3,880 SH   SOLE   0 0 3,880
ALPHABET INC CAP STK CL C Stock 02079K107   475,660 3,124 SH   SOLE   0 0 3,124
ALTRIA GROUP INC COM Stock 02209S103   150,576 3,452 SH   SOLE   0 0 3,452
AMAZON COM INC COM Stock 023135106   776,175 4,303 SH   SOLE   0 0 4,303
AMERICAN ELEC PWR CO INC COM Stock 025537101   105,386 1,224 SH   SOLE   0 0 1,224
AMERICAN EXPRESS CO COM Stock 025816109   683,070 3,000 SH   SOLE   0 0 3,000
AMGEN INC COM Stock 031162100   537,933 1,892 SH   SOLE   0 0 1,892
APPLE INC COM Stock 037833100   7,006,673 40,860 SH   SOLE   0 0 40,860
AT&T INC COM Stock 00206R102   2,042 116 SH   SOLE   0 0 116
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   970,989 3,888 SH   SOLE   0 0 3,888
BECTON DICKINSON & CO COM Stock 075887109   544,390 2,200 SH   SOLE   0 0 2,200
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   285,533 679 SH   SOLE   0 0 679
BIOGEN INC COM Stock 09062X103   197,517 916 SH   SOLE   0 0 916
BLACKROCK INC COM Stock 09247X101   315,972 379 SH   SOLE   0 0 379
BOOKING HOLDINGS INC COM Stock 09857L108   1,175,433 324 SH   SOLE   0 0 324
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   10,846 200 SH   SOLE   0 0 200
CAPITAL GROUP CORE PLUS INCOME ETF ETF 14020Y102   2,857,384 127,221 SH   SOLE   0 0 127,221
CAPITAL ONE FINL CORP COM Stock 14040H105   59,705 401 SH   SOLE   0 0 401
CARRIER GLOBAL CORPORATION COM Stock 14448C104   75,569 1,300 SH   SOLE   0 0 1,300
CATERPILLAR INC COM Stock 149123101   539,751 1,473 SH   SOLE   0 0 1,473
CENCORA INC COM Stock 03073E105   77,028 317 SH   SOLE   0 0 317
CENTENE CORP DEL COM Stock 15135B101   15,696 200 SH   SOLE   0 0 200
CHEVRON CORP NEW COM Stock 166764100   381,889 2,421 SH   SOLE   0 0 2,421
CHUBB LIMITED COM Stock H1467J104   68,410 264 SH   SOLE   0 0 264
CISCO SYS INC COM Stock 17275R102   351,416 7,041 SH   SOLE   0 0 7,041
CITIGROUP INC COM NEW Stock 172967424   6,956 110 SH   SOLE   0 0 110
COCA COLA CO COM Stock 191216100   186,293 3,045 SH   SOLE   0 0 3,045
COLGATE PALMOLIVE CO COM Stock 194162103   223,864 2,486 SH   SOLE   0 0 2,486
COMCAST CORP NEW CL A Stock 20030N101   15,606 360 SH   SOLE   0 0 360
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND ETF 81369Y852   25,151 308 SH   SOLE   0 0 308
CONOCOPHILLIPS COM Stock 20825C104   693,676 5,450 SH   SOLE   0 0 5,450
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   2,491,245 32,625 SH   SOLE   0 0 32,625
CORNING INC COM Stock 219350105   105,472 3,200 SH   SOLE   0 0 3,200
COSTCO WHSL CORP NEW COM Stock 22160K105   88,648 121 SH   SOLE   0 0 121
CSX CORP COM Stock 126408103   66,726 1,800 SH   SOLE   0 0 1,800
DANAHER CORPORATION COM Stock 235851102   295,918 1,185 SH   SOLE   0 0 1,185
DARDEN RESTAURANTS INC COM Stock 237194105   334,300 2,000 SH   SOLE   0 0 2,000
DEFIANCE NEXT GEN CONNECTIVITY ETF ETF 26922A289   135,725 3,473 SH   SOLE   0 0 3,473
DISCOVER FINL SVCS COM Stock 254709108   269,521 2,056 SH   SOLE   0 0 2,056
DOVER CORP COM Stock 260003108   221,488 1,250 SH   SOLE   0 0 1,250
DOW INC COM Stock 260557103   49,356 852 SH   SOLE   0 0 852
DUKE ENERGY CORP NEW COM NEW Stock 26441C204   35,589 368 SH   SOLE   0 0 368
EBAY INC. COM Stock 278642103   2,428 46 SH   SOLE   0 0 46
EDWARDS LIFESCIENCES CORP COM Stock 28176E108   564,186 5,904 SH   SOLE   0 0 5,904
ELEVANCE HEALTH INC COM Stock 036752103   34,224 66 SH   SOLE   0 0 66
ELI LILLY & CO COM Stock 532457108   331,411 426 SH   SOLE   0 0 426
ENERGY SELECT SECTOR SPDR ETF ETF 81369Y506   464,686 4,922 SH   SOLE   0 0 4,922
EXXON MOBIL CORP COM Stock 30231G102   603,518 5,192 SH   SOLE   0 0 5,192
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM Stock 31620R303   10,620 200 SH   SOLE   0 0 200
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   3,984,847 94,607 SH   SOLE   0 0 94,607
FIRST TRUST CONSUMER DISCRETIONARY ALPHADEX FUND ETF 33734X101   4,840 75 SH   SOLE   0 0 75
FORD MTR CO DEL COM Stock 345370860   6,640 500 SH   SOLE   0 0 500
Franklin International Bond Opportunities ETF ETF 35473P611   2,319,572 114,660 SH   SOLE   0 0 114,660
GOLDMAN SACHS ACTIVEBETA U.S. LARGE CAP EQUITY ETF ETF 381430503   21,870,794 210,722 SH   SOLE   0 0 210,722
HARTFORD FINL SVCS GROUP INC COM Stock 416515104   4,328 42 SH   SOLE   0 0 42
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   1,405,651 9,515 SH   SOLE   0 0 9,515
HEICO CORP NEW CL A Stock 422806208   153,016 994 SH   SOLE   0 0 994
HOME DEPOT INC COM Stock 437076102   680,890 1,775 SH   SOLE   0 0 1,775
HONEYWELL INTL INC COM Stock 438516106   634,838 3,093 SH   SOLE   0 0 3,093
HUBSPOT INC COM Stock 443573100   229,321 366 SH   SOLE   0 0 366
IDEXX LABS INC COM Stock 45168D104   266,185 493 SH   SOLE   0 0 493
ILLINOIS TOOL WKS INC COM Stock 452308109   1,234,318 4,600 SH   SOLE   0 0 4,600
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704   24,688 196 SH   SOLE   0 0 196
INTEGER HLDGS CORP COM Stock 45826H109   466,720 4,000 SH   SOLE   0 0 4,000
INTEL CORP COM Stock 458140100   723,151 16,372 SH   SOLE   0 0 16,372
INVESCO INTERNATIONAL CORPORATE BOND ETF ETF 46138E636   4 0 SH   SOLE   0 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357   3,495,183 20,636 SH   SOLE   0 0 20,636
INVESCO TOTAL RETURN BOND ETF ETF 46090A804   11,490,485 245,471 SH   SOLE   0 0 245,471
IPATH BLOOMBERG COMMODITY INDEX TOTAL RETURN ETN ETF 06738C778   5,962,337 191,715 SH   SOLE   0 0 191,715
ISHARES CORE MSCI EAFE ETF ETF 46432F842   4,827,491 65,043 SH   SOLE   0 0 65,043
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   7,280,192 141,089 SH   SOLE   0 0 141,089
ISHARES CORE MSCI EUROPE ETF ETF 46434V738   3,184,758 55,052 SH   SOLE   0 0 55,052
ISHARES CORE S&P 500 ETF ETF 464287200   20,413,860 38,830 SH   SOLE   0 0 38,830
ISHARES CORE S&P MID-CAP ETF ETF 464287507   16,259,971 267,698 SH   SOLE   0 0 267,698
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   91,732 830 SH   SOLE   0 0 830
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   5,773,551 58,950 SH   SOLE   0 0 58,950
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549   4,602,012 53,400 SH   SOLE   0 0 53,400
ISHARES FRONTIER AND SELECT EM ETF ETF 464286145   2,361,906 82,440 SH   SOLE   0 0 82,440
ISHARES LATIN AMERICA 40 ETF ETF 464287390   65,184 2,292 SH   SOLE   0 0 2,292
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN ETF ETF 464288182   3,734,312 55,119 SH   SOLE   0 0 55,119
ISHARES MSCI AUSTRALIA ETF ETF 464286103   1,832,361 74,305 SH   SOLE   0 0 74,305
ISHARES MSCI BRAZIL ETF ETF 464286400   1,593,800 49,161 SH   SOLE   0 0 49,161
ISHARES MSCI CHINA ETF ETF 46429B671   1,856,543 46,729 SH   SOLE   0 0 46,729
ISHARES MSCI EAFE ETF ETF 464287465   696,779 8,725 SH   SOLE   0 0 8,725
ISHARES MSCI EUROZONE ETF ETF 464286608   4,336,271 84,925 SH   SOLE   0 0 84,925
ISHARES MSCI INDIA ETF ETF 46429B598   1,701,180 32,975 SH   SOLE   0 0 32,975
ISHARES MSCI INDONESIA ETF ETF 46429B309   1,434,778 63,683 SH   SOLE   0 0 63,683
ISHARES MSCI JAPAN ETF ETF 46434G822   30,681 430 SH   SOLE   0 0 430
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   18,388 220 SH   SOLE   0 0 220
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   306,841 1,867 SH   SOLE   0 0 1,867
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   1,663,496 15,460 SH   SOLE   0 0 15,460
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   616,464 1,829 SH   SOLE   0 0 1,829
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   487,358 2,721 SH   SOLE   0 0 2,721
ISHARES RUSSELL 2000 ETF ETF 464287655   647,934 3,081 SH   SOLE   0 0 3,081
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648   858,436 3,170 SH   SOLE   0 0 3,170
ISHARES RUSSELL MIDCAP ETF ETF 464287499   286,242 3,404 SH   SOLE   0 0 3,404
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   4,239,045 37,139 SH   SOLE   0 0 37,139
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473   323,978 2,585 SH   SOLE   0 0 2,585
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   61,443 470 SH   SOLE   0 0 470
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   47,783 465 SH   SOLE   0 0 465
JOHNSON & JOHNSON COM Stock 478160104   1,348,728 8,526 SH   SOLE   0 0 8,526
JPMORGAN BETABUILDERS CANADA ETF ETF 46641Q225   14,164 212 SH   SOLE   0 0 212
JPMORGAN BETABUILDERS JAPAN ETF ETF 46641Q217   2,054,754 35,094 SH   SOLE   0 0 35,094
JPMORGAN CHASE & CO COM Stock 46625H100   113,971 569 SH   SOLE   0 0 569
JPMORGAN CORE PLUS BOND ETF ETF 46641Q670   11,457,505 245,632 SH   SOLE   0 0 245,632
JPMorgan International Bond Opportunities ETF ETF 46641Q852   13,026,725 273,556 SH   SOLE   0 0 273,556
JPMORGAN MUNICIPAL ETF ETF 46641Q647   1,910,006 37,643 SH   SOLE   0 0 37,643
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   720,073 14,273 SH   SOLE   0 0 14,273
KELLANOVA COM Stock 487836108   1,260 22 SH   SOLE   0 0 22
KIMBERLY-CLARK CORP COM Stock 494368103   160,911 1,244 SH   SOLE   0 0 1,244
KRANESHARES CSI CHINA INTERNET ETF ETF 500767306   750,566 28,593 SH   SOLE   0 0 28,593
LOCKHEED MARTIN CORP COM Stock 539830109   1,014,815 2,231 SH   SOLE   0 0 2,231
LOWES COS INC COM Stock 548661107   2,268,371 8,905 SH   SOLE   0 0 8,905
MARKEL GROUP INC COM Stock 570535104   419,928 276 SH   SOLE   0 0 276
MARRIOTT INTL INC NEW CL A Stock 571903202   0 0 SH   SOLE   0 0 0
MARSH & MCLENNAN COS INC COM Stock 571748102   387,448 1,881 SH   SOLE   0 0 1,881
MASTERCARD INCORPORATED CL A Stock 57636Q104   377,551 784 SH   SOLE   0 0 784
MCDONALDS CORP COM Stock 580135101   1,220,562 4,329 SH   SOLE   0 0 4,329
MCKESSON CORP COM Stock 58155Q103   0 0 SH   SOLE   0 0 0
MEDTRONIC PLC SHS Stock G5960L103   98,044 1,125 SH   SOLE   0 0 1,125
MERCADOLIBRE INC COM Stock 58733R102   1,381,931 914 SH   SOLE   0 0 914
MERCK & CO INC COM Stock 58933Y105   628,610 4,764 SH   SOLE   0 0 4,764
META PLATFORMS INC CL A Stock 30303M102   66,524 137 SH   SOLE   0 0 137
MICROSOFT CORP COM Stock 594918104   3,115,852 7,406 SH   SOLE   0 0 7,406
MORGAN STANLEY COM NEW Stock 617446448   2,448 26 SH   SOLE   0 0 26
MSCI INC COM Stock 55354G100   85,749 153 SH   SOLE   0 0 153
NEXTERA ENERGY INC COM Stock 65339F101   161,117 2,521 SH   SOLE   0 0 2,521
NIKE INC CL B Stock 654106103   18,796 200 SH   SOLE   0 0 200
NORFOLK SOUTHN CORP COM Stock 655844108   97,615 383 SH   SOLE   0 0 383
NORTHROP GRUMMAN CORP COM Stock 666807102   229,757 480 SH   SOLE   0 0 480
NVIDIA CORPORATION COM Stock 67066G104   37,046 41 SH   SOLE   0 0 41
OCCIDENTAL PETE CORP COM Stock 674599105   6,499 100 SH   SOLE   0 0 100
OCCIDENTAL PETE CORP WT EXP 080327 Stock 674599162   517 12 SH   SOLE   0 0 12
OKTA INC CL A Stock 679295105   165,195 1,579 SH   SOLE   0 0 1,579
ORACLE CORP COM Stock 68389X105   301,464 2,400 SH   SOLE   0 0 2,400
OREILLY AUTOMOTIVE INC COM Stock 67103H107   31,609 28 SH   SOLE   0 0 28
OTIS WORLDWIDE CORP COM Stock 68902V107   64,526 650 SH   SOLE   0 0 650
PEPSICO INC COM Stock 713448108   1,261,122 7,206 SH   SOLE   0 0 7,206
PFIZER INC COM Stock 717081103   436,646 15,735 SH   SOLE   0 0 15,735
PHILIP MORRIS INTL INC COM Stock 718172109   102,889 1,123 SH   SOLE   0 0 1,123
PHILLIPS 66 COM Stock 718546104   81,670 500 SH   SOLE   0 0 500
PIMCO ACTIVE BOND EXCHANGE-TRADED FUND ETF 72201R775   11,496,371 125,151 SH   SOLE   0 0 125,151
PPG INDS INC COM Stock 693506107   362,250 2,500 SH   SOLE   0 0 2,500
PRICE T ROWE GROUP INC COM Stock 74144T108   2,073 17 SH   SOLE   0 0 17
PROCTER AND GAMBLE CO COM Stock 742718109   1,303,192 8,032 SH   SOLE   0 0 8,032
PROGRESSIVE CORP COM Stock 743315103   967,918 4,680 SH   SOLE   0 0 4,680
QUALCOMM INC COM Stock 747525103   23,702 140 SH   SOLE   0 0 140
RELMADA THERAPEUTICS INC COM Stock 75955J402   8,575 1,844 SH   SOLE   0 0 1,844
RTX CORPORATION COM Stock 75513E101   457,806 4,694 SH   SOLE   0 0 4,694
S&P GLOBAL INC COM Stock 78409V104   351,422 826 SH   SOLE   0 0 826
SERVICENOW INC COM Stock 81762P102   3,296,618 4,324 SH   SOLE   0 0 4,324
SHERWIN WILLIAMS CO COM Stock 824348106   1,427,526 4,110 SH   SOLE   0 0 4,110
SHOPIFY INC CL A Stock 82509L107   259,909 3,368 SH   SOLE   0 0 3,368
SOUTHERN CO COM Stock 842587107   107,610 1,500 SH   SOLE   0 0 1,500
SPDR PORTFOLIO MSCI GLOBAL STOCK MARKET ETF ETF 78463X475   96,801 1,622 SH   SOLE   0 0 1,622
SPDR S&P 500 ETF TRUST ETF 78462F103   522,547 999 SH   SOLE   0 0 999
SPDR S&P CHINA ETF ETF 78463X400   850,930 12,936 SH   SOLE   0 0 12,936
SPDR S&P OIL & GAS EXPLORATION & PRODUCTION ETF ETF 78468R556   2,780,064 17,944 SH   SOLE   0 0 17,944
STARBUCKS CORP COM Stock 855244109   23,853 261 SH   SOLE   0 0 261
SYNOPSYS INC COM Stock 871607107   16,574 29 SH   SOLE   0 0 29
SYSCO CORP COM Stock 871829107   284,130 3,500 SH   SOLE   0 0 3,500
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   1,812,157 8,701 SH   SOLE   0 0 8,701
TEXAS INSTRS INC COM Stock 882508104   440,751 2,530 SH   SOLE   0 0 2,530
THE CIGNA GROUP COM Stock 125523100   1,453 4 SH   SOLE   0 0 4
THERMO FISHER SCIENTIFIC INC COM Stock 883556102   419,634 722 SH   SOLE   0 0 722
TOWNEBANK PORTSMOUTH VA COM Stock 89214P109   7,015 250 SH   SOLE   0 0 250
UDR INC COM REIT 902653104   17,022 455 SH   SOLE   0 0 455
UNION PAC CORP COM Stock 907818108   352,418 1,433 SH   SOLE   0 0 1,433
UNITEDHEALTH GROUP INC COM Stock 91324P102   266,149 538 SH   SOLE   0 0 538
US BANCORP DEL COM NEW Stock 902973304   11,264 252 SH   SOLE   0 0 252
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886   23,897 364 SH   SOLE   0 0 364
VANECK J. P. MORGAN EM LOCAL CURRENCY BOND ETF ETF 92189H300   5,907,826 241,037 SH   SOLE   0 0 241,037
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   1,879,422 10,292 SH   SOLE   0 0 10,292
VANGUARD ESG U.S. STOCK ETF ETF 921910733   44,918 482 SH   SOLE   0 0 482
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   15,246 365 SH   SOLE   0 0 365
VANGUARD LARGE-CAP ETF ETF 922908637   330,869 1,380 SH   SOLE   0 0 1,380
VANGUARD MEGA CAP ETF ETF 921910873   39,243 210 SH   SOLE   0 0 210
VANGUARD MID-CAP ETF ETF 922908629   251,609 1,007 SH   SOLE   0 0 1,007
VANGUARD RUSSELL 2000 ETF ETF 92206C664   108,452 1,275 SH   SOLE   0 0 1,275
VANGUARD S&P 500 ETF ETF 922908363   72,105 150 SH   SOLE   0 0 150
VANGUARD SMALL-CAP ETF ETF 922908751   49,604 217 SH   SOLE   0 0 217
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   2,061,343 40,738 SH   SOLE   0 0 40,738
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   162,619 2,239 SH   SOLE   0 0 2,239
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   5,511,439 21,206 SH   SOLE   0 0 21,206
VEEVA SYS INC CL A COM Stock 922475108   183,498 792 SH   SOLE   0 0 792
VERIZON COMMUNICATIONS INC COM Stock 92343V104   222,388 5,300 SH   SOLE   0 0 5,300
VERTEX PHARMACEUTICALS INC COM Stock 92532F100   1,287,889 3,081 SH   SOLE   0 0 3,081
VIATRIS INC COM Stock 92556V106   1,481 124 SH   SOLE   0 0 124
VISA INC COM CL A Stock 92826C839   1,090,645 3,908 SH   SOLE   0 0 3,908
WALMART INC COM Stock 931142103   234,663 3,900 SH   SOLE   0 0 3,900
XTRACKERS HARVEST CSI 300 CHINA A-SHARES ETF ETF 233051879   1,377,574 57,232 SH   SOLE   0 0 57,232