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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106 1,819 16,100 SH   SOLE 0 16,100 0 0
INVESCO QQQ TRUST ETF 46090E103 846 3,166 SH   SOLE 0 3,166 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 41,312 347,804 SH   SOLE 0 347,804 0 0
ELEVANCE HEALTH INC COM Stock 036752103 859 1,892 SH   SOLE 0 1,892 0 0
JOHNSON & JOHNSON COM Stock 478160104 1,785 10,924 SH   SOLE 0 10,924 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 707 3,938 SH   SOLE 0 3,938 0 0
INVESCO HIGH YIELD EQUITY DIVIDEND ACHIEVERS ETF ETF 46137V563 11,315 608,674 SH   SOLE 0 608,673 0 0
VANGUARD ENERGY ETF ETF 92204A306 1,876 18,464 SH   SOLE 0 18,464 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105 440 931 SH   SOLE 0 931 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 8,257 236,728 SH   SOLE 0 236,728 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 1,756 13,907 SH   SOLE 0 13,906 0 0
COCA COLA CO COM Stock 191216100 1,102 19,670 SH   SOLE 0 19,670 0 0
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109 6,307 196,295 SH   SOLE 0 196,295 0 0
TRUIST FINL CORP COM Stock 89832Q109 1,980 45,467 SH   SOLE 0 45,467 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106 213 1,319 SH   SOLE 0 1,319 0 0
INTEL CORP COM Stock 458140100 365 14,163 SH   SOLE 0 14,162 0 0
RELIANCE STEEL & ALUMINUM CO COM Stock 759509102 201 1,151 SH   SOLE 0 1,151 0 0
MERCK & CO INC COM Stock 58933Y105 285 3,304 SH   SOLE 0 3,304 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 13,605 38,091 SH   SOLE 0 38,091 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 36 100 SH Call SOLE 0 100 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 36 100 SH Call SOLE 0 100 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 0 0 SH Call SOLE 0 0 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 36 100 SH Put SOLE 0 100 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104 483 1,699 SH   SOLE 0 1,699 0 0
STEEL DYNAMICS INC COM Stock 858119100 298 4,200 SH   SOLE 0 4,200 0 0
ISHARES S&P 100 ETF ETF 464287101 367 2,258 SH   SOLE 0 2,258 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 255 6,715 SH   SOLE 0 6,715 0 0
SONOCO PRODS CO COM Stock 835495102 451 7,950 SH   SOLE 0 7,950 0 0
PEPSICO INC COM Stock 713448108 986 6,038 SH   SOLE 0 6,038 0 0
HONEYWELL INTL INC COM Stock 438516106 272 1,628 SH   SOLE 0 1,628 0 0
HOME DEPOT INC COM Stock 437076102 849 3,079 SH   SOLE 0 3,078 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 612 2,704 SH   SOLE 0 2,704 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 16,163 133,457 SH   SOLE 0 133,456 0 0
SPDR GOLD SHARES ETF 78463V107 528 3,411 SH   SOLE 0 3,411 0 0
BECTON DICKINSON & CO COM Stock 075887109 607 2,724 SH   SOLE 0 2,724 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 1,266 6,016 SH   SOLE 0 6,016 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 10,904 163,399 SH   SOLE 0 163,398 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 14,784 169,564 SH   SOLE 0 169,564 0 0
PRA GROUP INC COM Stock 69354N106 1,535 46,699 SH   SOLE 0 46,699 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 558 2,091 SH   SOLE 0 2,091 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 890 9,302 SH   SOLE 0 9,302 0 0
ISHARES IBONDS DEC 2024 TERM MUNI BOND ETF ETF 46435U697 10,923 428,250 SH   SOLE 0 428,250 0 0
MICROSOFT CORP COM Stock 594918104 4,870 20,910 SH   SOLE 0 20,910 0 0
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108 406 1 SH   SOLE 0 1 0 0
VANGUARD SMALL-CAP ETF ETF 922908751 937 5,484 SH   SOLE 0 5,484 0 0
VANGUARD MID-CAP ETF ETF 922908629 720 3,830 SH   SOLE 0 3,830 0 0
VANGUARD LARGE-CAP ETF ETF 922908637 652 3,986 SH   SOLE 0 3,986 0 0
NEXTERA ENERGY INC COM Stock 65339F101 514 6,558 SH   SOLE 0 6,558 0 0
NIKE INC CL B Stock 654106103 517 6,220 SH   SOLE 0 6,220 0 0
ATLANTIC UN BANKSHARES CORP COM Stock 04911A107 518 17,061 SH   SOLE 0 17,061 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504 747 3,338 SH   SOLE 0 3,338 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 11,572 381,163 SH   SOLE 0 381,163 0 0
NORFOLK SOUTHN CORP COM Stock 655844108 1,676 7,993 SH   SOLE 0 7,993 0 0
ISHARES IBONDS DEC 2025 TERM MUNI BOND ETF ETF 46435U432 5,888 227,150 SH   SOLE 0 227,150 0 0
NEWMARKET CORP COM Stock 651587107 1,082 3,598 SH   SOLE 0 3,598 0 0
VANGUARD INDUSTRIALS ETF ETF 92204A603 2,891 18,348 SH   SOLE 0 18,348 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702 498 1,620 SH   SOLE 0 1,620 0 0
VANGUARD S&P 500 ETF ETF 922908363 46,354 141,194 SH   SOLE 0 141,194 0 0
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107 3,354 8,351 SH   SOLE 0 8,351 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 961 7,549 SH   SOLE 0 7,549 0 0
SPDR S&P 600 SMALL CAP ETF ETF 78464A813 381 5,029 SH   SOLE 0 5,029 0 0
SPDR S&P 600 SMALL CAP VALUE ETF ETF 78464A300 5,250 78,188 SH   SOLE 0 78,188 0 0
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821 444 7,356 SH   SOLE 0 7,356 0 0
SPDR S&P 600 SMALL CAP GROWTH ETF ETF 78464A201 240 3,524 SH   SOLE 0 3,524 0 0
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839 390 6,748 SH   SOLE 0 6,748 0 0
LILLY ELI & CO COM Stock 532457108 9,298 28,756 SH   SOLE 0 28,756 0 0
HASBRO INC COM Stock 418056107 231 3,429 SH   SOLE 0 3,429 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 16,013 97,096 SH   SOLE 0 97,096 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204 576 6,195 SH   SOLE 0 6,195 0 0
AFLAC INC COM Stock 001055102 240 4,264 SH   SOLE 0 4,264 0 0
SYSCO CORP COM Stock 871829107 216 3,051 SH   SOLE 0 3,051 0 0
ISHARES U.S. AEROSPACE & DEFENSE ETF ETF 464288760 645 7,070 SH   SOLE 0 7,070 0 0
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 403 6,966 SH   SOLE 0 6,965 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 355 3,314 SH   SOLE 0 3,314 0 0
AMERICAN ELEC PWR CO INC COM Stock 025537101 220 2,545 SH   SOLE 0 2,545 0 0
MARATHON PETE CORP COM Stock 56585A102 485 4,878 SH   SOLE 0 4,878 0 0
TOWNEBANK PORTSMOUTH VA COM Stock 89214P109 331 12,345 SH   SOLE 0 12,345 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 457 6,874 SH   SOLE 0 6,874 0 0
VISA INC COM CL A Stock 92826C839 898 5,054 SH   SOLE 0 5,054 0 0
VANGUARD VALUE ETF ETF 922908744 3,732 30,220 SH   SOLE 0 30,220 0 0
VANGUARD GROWTH ETF ETF 922908736 10,813 50,539 SH   SOLE 0 50,539 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 501 6,296 SH   SOLE 0 6,296 0 0
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND ETF 97717W604 3,851 149,613 SH   SOLE 0 149,613 0 0
META PLATFORMS INC CL A Stock 30303M102 229 1,691 SH   SOLE 0 1,691 0 0
UNITED BANKSHARES INC WEST VA COM Stock 909907107 251 7,014 SH   SOLE 0 7,014 0 0
MONDELEZ INTL INC CL A Stock 609207105 257 4,692 SH   SOLE 0 4,692 0 0
ISHARES SHORT TREASURY BOND ETF ETF 464288679 790 7,182 SH   SOLE 0 7,182 0 0
ABBVIE INC COM Stock 00287Y109 988 7,362 SH   SOLE 0 7,362 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 9,870 229,641 SH   SOLE 0 229,640 0 0
INVESCO S&P 500 QUALITY ETF ETF 46137V241 245 6,170 SH   SOLE 0 6,170 0 0
QUALCOMM INC COM Stock 747525103 236 2,091 SH   SOLE 0 2,091 0 0
ISHARES GLOBAL FINANCIALS ETF ETF 464287333 4,061 66,234 SH   SOLE 0 66,234 0 0
MCDONALDS CORP COM Stock 580135101 2,384 10,333 SH   SOLE 0 10,333 0 0
CISCO SYS INC COM Stock 17275R102 449 11,231 SH   SOLE 0 11,231 0 0
ISHARES RUSSELL MIDCAP ETF ETF 464287499 361 5,814 SH   SOLE 0 5,814 0 0
AT&T INC COM Stock 00206R102 206 13,407 SH   SOLE 0 13,407 0 0
WISDOMTREE U.S. MIDCAP DIVIDEND FUND ETF 97717W505 5,023 133,338 SH   SOLE 0 133,338 0 0
GLOBAL X S&P 500 COVERED CALL ETF ETF 37954Y475 354 9,278 SH   SOLE 0 9,278 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 3,191 44,307 SH   SOLE 0 44,306 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 11,355 111,688 SH   SOLE 0 111,687 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 16,264 114,171 SH   SOLE 0 114,171 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 6,763 81,639 SH   SOLE 0 81,639 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721 227 3,100 SH   SOLE 0 3,100 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 39,659 308,579 SH   SOLE 0 308,578 0 0
WISDOMTREE U.S. AI ENHANCED VALUE FUND ETF 97717W406 5,436 66,594 SH   SOLE 0 66,594 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 71,073 1,228,569 SH   SOLE 0 1,228,568 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 2,075 5,785 SH   SOLE 0 5,785 0 0
WELLS FARGO CO NEW COM Stock 949746101 204 5,081 SH   SOLE 0 5,081 0 0
INVESCO DWA MOMENTUM ETF ETF 46137V837 286 4,225 SH   SOLE 0 4,225 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 751 1,480 SH   SOLE 0 1,480 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 517 4,945 SH   SOLE 0 4,945 0 0
CHEVRON CORP NEW COM Stock 166764100 623 4,338 SH   SOLE 0 4,337 0 0
ALBEMARLE CORP COM Stock 012653101 450 1,700 SH   SOLE 0 1,700 0 0
MARKEL CORP COM Stock 570535104 255 235 SH   SOLE 0 235 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 27,185 747,659 SH   SOLE 0 747,658 0 0
VANGUARD CONSUMER DISCRETIONARY ETF ETF 92204A108 4,380 18,632 SH   SOLE 0 18,632 0 0
INVESCO S&P 500 PURE GROWTH ETF ETF 46137V266 251 1,738 SH   SOLE 0 1,738 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763 10,010 89,777 SH   SOLE 0 89,777 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 219 1,840 SH   SOLE 0 1,840 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 371 4,530 SH   SOLE 0 4,530 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406 23,771 250,537 SH   SOLE 0 250,536 0 0
PFIZER INC COM Stock 717081103 478 10,928 SH   SOLE 0 10,928 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 510 5,303 SH   SOLE 0 5,303 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258 271 3,881 SH   SOLE 0 3,881 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 465 3,442 SH   SOLE 0 3,442 0 0
INVESCO BUYBACK ACHIEVERS ETF ETF 46137V308 249 3,361 SH   SOLE 0 3,361 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 6,386 77,448 SH   SOLE 0 77,448 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 19,849 314,967 SH   SOLE 0 314,966 0 0
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705 16,493 183,259 SH   SOLE 0 183,259 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 1,146 22,870 SH   SOLE 0 22,870 0 0
LAM RESEARCH CORP COM Stock 512807108 581 1,587 SH   SOLE 0 1,587 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 927 26,872 SH   SOLE 0 26,872 0 0
PHILIP MORRIS INTL INC COM Stock 718172109 1,756 21,160 SH   SOLE 0 21,160 0 0
ALTRIA GROUP INC COM Stock 02209S103 3,651 90,409 SH   SOLE 0 90,408 0 0
DOMINION ENERGY INC COM Stock 25746U109 3,943 57,048 SH   SOLE 0 57,047 0 0
EXXON MOBIL CORP COM Stock 30231G102 1,317 15,079 SH   SOLE 0 15,079 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102 577 1,143 SH   SOLE 0 1,143 0 0
LOWES COS INC COM Stock 548661107 280 1,490 SH   SOLE 0 1,490 0 0
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886 213 3,244 SH   SOLE 0 3,244 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 383 14,839 SH   SOLE 0 14,839 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 27,170 123,916 SH   SOLE 0 123,915 0 0
ISHARES MSCI EAFE ETF ETF 464287465 17,860 318,874 SH   SOLE 0 318,874 0 0
APPLE INC COM Stock 037833100 10,084 72,964 SH   SOLE 0 72,963 0 0
ABBOTT LABS COM Stock 002824100 696 7,188 SH   SOLE 0 7,188 0 0
DISNEY WALT CO COM Stock 254687106 263 2,793 SH   SOLE 0 2,793 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742 2,230 28,276 SH   SOLE 0 28,276 0 0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 287 3,128 SH   SOLE 0 3,128 0 0