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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106   1,584,469 15,340 SH   SOLE 0 15,340 0 0
INVESCO QQQ TRUST ETF 46090E103   960,864 2,994 SH   SOLE 0 2,994 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   51,792,307 342,973 SH   SOLE 0 342,972 0 0
ELEVANCE HEALTH INC COM Stock 036752103   905,826 1,970 SH   SOLE 0 1,970 0 0
JOHNSON & JOHNSON COM Stock 478160104   1,886,040 12,168 SH   SOLE 0 12,168 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   517,598 2,536 SH   SOLE 0 2,536 0 0
INVESCO HIGH YIELD EQUITY DIVIDEND ACHIEVERS ETF ETF 46137V563   12,076,730 606,262 SH   SOLE 0 606,261 0 0
VANGUARD ENERGY ETF ETF 92204A306   2,065,050 18,078 SH   SOLE 0 18,078 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   452,649 911 SH   SOLE 0 911 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   8,824,085 223,621 SH   SOLE 0 223,620 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   2,122,365 14,274 SH   SOLE 0 14,273 0 0
COCA COLA CO COM Stock 191216100   1,362,737 21,969 SH   SOLE 0 21,969 0 0
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109   6,932,795 195,290 SH   SOLE 0 195,290 0 0
TRUIST FINL CORP COM Stock 89832Q109   1,540,058 45,163 SH   SOLE 0 45,163 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106   332,305 1,713 SH   SOLE 0 1,713 0 0
INTEL CORP COM Stock 458140100   462,532 14,158 SH   SOLE 0 14,157 0 0
RELIANCE STEEL & ALUMINUM CO COM Stock 759509102   238,255 928 SH   SOLE 0 928 0 0
MERCK & CO INC COM Stock 58933Y105   656,001 6,166 SH   SOLE 0 6,166 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   23,913,485 228,444 SH   SOLE 0 228,443 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   21,074,440 51,478 SH   SOLE 0 51,477 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   164 400 SH Call SOLE 0 400 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104   603,987 1,662 SH   SOLE 0 1,662 0 0
STEEL DYNAMICS INC COM Stock 858119100   474,852 4,200 SH   SOLE 0 4,200 0 0
ISHARES S&P 100 ETF ETF 464287101   422,336 2,258 SH   SOLE 0 2,258 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   223,401 5,744 SH   SOLE 0 5,744 0 0
SONOCO PRODS CO COM Stock 835495102   484,950 7,950 SH   SOLE 0 7,950 0 0
FEDEX CORP COM Stock 31428X106   210,668 922 SH   SOLE 0 922 0 0
PEPSICO INC COM Stock 713448108   1,459,858 8,008 SH   SOLE 0 8,008 0 0
HONEYWELL INTL INC COM Stock 438516106   311,143 1,628 SH   SOLE 0 1,628 0 0
HOME DEPOT INC COM Stock 437076102   880,900 2,985 SH   SOLE 0 2,984 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   581,287 2,611 SH   SOLE 0 2,611 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   17,561,677 135,653 SH   SOLE 0 135,653 0 0
SPDR GOLD SHARES ETF 78463V107   624,597 3,409 SH   SOLE 0 3,409 0 0
SOUTHERN CO COM Stock 842587107   398,415 5,726 SH   SOLE 0 5,726 0 0
BECTON DICKINSON & CO COM Stock 075887109   674,299 2,724 SH   SOLE 0 2,724 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   1,518,511 6,215 SH   SOLE 0 6,215 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   12,217,650 163,534 SH   SOLE 0 163,534 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   15,210,496 157,296 SH   SOLE 0 157,295 0 0
PRA GROUP INC COM Stock 69354N106   1,819,393 46,699 SH   SOLE 0 46,699 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   665,399 2,155 SH   SOLE 0 2,155 0 0
ALPHABET INC CAP STK CL A Stock 02079K305   940,312 9,065 SH   SOLE 0 9,065 0 0
MICROSOFT CORP COM Stock 594918104   20,239,525 70,203 SH   SOLE 0 70,203 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND ETF 81369Y852   828,913 14,299 SH   SOLE 0 14,299 0 0
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108   465,600 1 SH   SOLE 0 1 0 0
BOEING CO COM Stock 097023105   275,734 1,298 SH   SOLE 0 1,298 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   3,745,329 19,758 SH   SOLE 0 19,758 0 0
VANGUARD MID-CAP ETF ETF 922908629   3,464,994 16,428 SH   SOLE 0 16,428 0 0
VANGUARD LARGE-CAP ETF ETF 922908637   744,625 3,986 SH   SOLE 0 3,986 0 0
NEXTERA ENERGY INC COM Stock 65339F101   514,740 6,678 SH   SOLE 0 6,678 0 0
NIKE INC CL B Stock 654106103   751,014 6,124 SH   SOLE 0 6,123 0 0
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   15,130,782 258,469 SH   SOLE 0 258,469 0 0
ATLANTIC UN BANKSHARES CORP COM Stock 04911A107   624,591 17,820 SH   SOLE 0 17,820 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504   1,814,204 7,608 SH   SOLE 0 7,608 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   12,277,581 381,884 SH   SOLE 0 381,884 0 0
NORFOLK SOUTHN CORP COM Stock 655844108   1,679,252 7,921 SH   SOLE 0 7,921 0 0
NEWMARKET CORP COM Stock 651587107   1,169,761 3,205 SH   SOLE 0 3,205 0 0
VANGUARD CONSUMER STAPLES ETF ETF 92204A207   832,330 4,301 SH   SOLE 0 4,301 0 0
VANGUARD INDUSTRIALS ETF ETF 92204A603   4,227,607 22,191 SH   SOLE 0 22,191 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   3,752,165 9,734 SH   SOLE 0 9,734 0 0
VANGUARD S&P 500 ETF ETF 922908363   47,872,036 127,296 SH   SOLE 0 127,295 0 0
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   3,924,448 8,561 SH   SOLE 0 8,561 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357   1,086,385 7,512 SH   SOLE 0 7,512 0 0
SPDR S&P 600 SMALL CAP ETF ETF 78464A813   422,587 5,029 SH   SOLE 0 5,029 0 0
SPDR S&P 600 SMALL CAP VALUE ETF ETF 78464A300   5,838,585 76,642 SH   SOLE 0 76,641 0 0
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821   688,506 10,060 SH   SOLE 0 10,060 0 0
SPDR S&P 600 SMALL CAP GROWTH ETF ETF 78464A201   348,248 4,722 SH   SOLE 0 4,722 0 0
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839   630,073 9,535 SH   SOLE 0 9,535 0 0
LILLY ELI & CO COM Stock 532457108   9,950,251 28,974 SH   SOLE 0 28,974 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   17,602,165 98,667 SH   SOLE 0 98,666 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204   699,215 7,248 SH   SOLE 0 7,248 0 0
AFLAC INC COM Stock 001055102   270,210 4,188 SH   SOLE 0 4,188 0 0
SYSCO CORP COM Stock 871829107   234,779 3,040 SH   SOLE 0 3,040 0 0
ISHARES U.S. AEROSPACE & DEFENSE ETF ETF 464288760   813,616 7,070 SH   SOLE 0 7,070 0 0
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   434,703 6,966 SH   SOLE 0 6,966 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718   2,123,043 21,108 SH   SOLE 0 21,108 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168   388,335 3,314 SH   SOLE 0 3,314 0 0
AMERICAN ELEC PWR CO INC COM Stock 025537101   322,560 3,545 SH   SOLE 0 3,545 0 0
MARATHON PETE CORP COM Stock 56585A102   743,587 5,515 SH   SOLE 0 5,515 0 0
TOWNEBANK PORTSMOUTH VA COM Stock 89214P109   328,994 12,345 SH   SOLE 0 12,345 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   374,197 2,357 SH   SOLE 0 2,357 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   502,902 6,874 SH   SOLE 0 6,874 0 0
VISA INC COM CL A Stock 92826C839   1,082,884 4,803 SH   SOLE 0 4,803 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   423,514 1,957 SH   SOLE 0 1,957 0 0
VANGUARD VALUE ETF ETF 922908744   4,715,075 34,140 SH   SOLE 0 34,140 0 0
VANGUARD GROWTH ETF ETF 922908736   14,982,045 60,063 SH   SOLE 0 60,062 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   562,768 6,215 SH   SOLE 0 6,215 0 0
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND ETF 97717W604   4,261,923 149,227 SH   SOLE 0 149,227 0 0
META PLATFORMS INC CL A Stock 30303M102   314,095 1,482 SH   SOLE 0 1,482 0 0
UNITED BANKSHARES INC WEST VA COM Stock 909907107   245,766 6,982 SH   SOLE 0 6,982 0 0
MONDELEZ INTL INC CL A Stock 609207105   366,797 5,261 SH   SOLE 0 5,261 0 0
CANADIAN PACIFIC KANSAS CITY COM Stock 13646K108   203,275 2,642 SH   SOLE 0 2,642 0 0
ISHARES SHORT TREASURY BOND ETF ETF 464288679   1,002,898 9,076 SH   SOLE 0 9,076 0 0
ABBVIE INC COM Stock 00287Y109   1,174,557 7,370 SH   SOLE 0 7,370 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   9,703,802 198,889 SH   SOLE 0 198,889 0 0
INVESCO S&P 500 QUALITY ETF ETF 46137V241   289,207 6,112 SH   SOLE 0 6,111 0 0
QUALCOMM INC COM Stock 747525103   283,483 2,222 SH   SOLE 0 2,222 0 0
ISHARES GLOBAL FINANCIALS ETF ETF 464287333   5,805,929 84,135 SH   SOLE 0 84,135 0 0
MCDONALDS CORP COM Stock 580135101   3,193,146 11,420 SH   SOLE 0 11,420 0 0
CISCO SYS INC COM Stock 17275R102   602,731 11,530 SH   SOLE 0 11,530 0 0
CAPITAL ONE FINL CORP COM Stock 14040H105   224,822 2,338 SH   SOLE 0 2,338 0 0
ISHARES RUSSELL MIDCAP ETF ETF 464287499   406,515 5,814 SH   SOLE 0 5,814 0 0
WISDOMTREE U.S. LARGECAP DIVIDEND FUND ETF 97717W307   301,258 4,870 SH   SOLE 0 4,870 0 0
AT&T INC COM Stock 00206R102   254,986 13,246 SH   SOLE 0 13,246 0 0
WISDOMTREE U.S. MIDCAP DIVIDEND FUND ETF 97717W505   5,450,832 133,012 SH   SOLE 0 133,012 0 0
GLOBAL X S&P 500 COVERED CALL ETF ETF 37954Y475   375,759 9,278 SH   SOLE 0 9,278 0 0
VANGUARD FINANCIALS ETF ETF 92204A405   207,343 2,662 SH   SOLE 0 2,662 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   3,863,977 46,649 SH   SOLE 0 46,649 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   12,124,595 110,284 SH   SOLE 0 110,283 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   16,803,861 112,370 SH   SOLE 0 112,370 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704   8,396,000 82,981 SH   SOLE 0 82,980 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   287,711 3,100 SH   SOLE 0 3,100 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408   47,162,808 310,772 SH   SOLE 0 310,772 0 0
WISDOMTREE U.S. AI ENHANCED VALUE FUND ETF 97717W406   6,062,759 66,144 SH   SOLE 0 66,144 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309   76,080,046 1,190,797 SH   SOLE 0 1,190,797 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   7,762,013 18,882 SH   SOLE 0 18,882 0 0
WELLS FARGO CO NEW COM Stock 949746101   214,972 5,751 SH   SOLE 0 5,751 0 0
INVESCO DWA MOMENTUM ETF ETF 46137V837   314,076 4,134 SH   SOLE 0 4,134 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102   846,111 1,468 SH   SOLE 0 1,468 0 0
VANGUARD MID-CAP VALUE ETF ETF 922908512   291,468 2,174 SH   SOLE 0 2,174 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   767,656 5,891 SH   SOLE 0 5,891 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   238,466 6,987 SH   SOLE 0 6,987 0 0
CHEVRON CORP NEW COM Stock 166764100   725,736 4,448 SH   SOLE 0 4,448 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   395,083 3,667 SH   SOLE 0 3,667 0 0
ALBEMARLE CORP COM Stock 012653101   353,664 1,600 SH   SOLE 0 1,600 0 0
MARKEL CORP COM Stock 570535104   341,068 267 SH   SOLE 0 267 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   34,788,682 770,172 SH   SOLE 0 770,172 0 0
BANK AMERICA CORP COM Stock 060505104   402,574 14,076 SH   SOLE 0 14,076 0 0
VANGUARD CONSUMER DISCRETIONARY ETF ETF 92204A108   6,061,200 24,000 SH   SOLE 0 24,000 0 0
INVESCO S&P 500 PURE GROWTH ETF ETF 46137V266   259,093 1,714 SH   SOLE 0 1,714 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   11,009,200 88,992 SH   SOLE 0 88,992 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   276,600 2,110 SH   SOLE 0 2,110 0 0
ORACLE CORP COM Stock 68389X105   2,857,290 30,750 SH   SOLE 0 30,750 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101   437,551 4,468 SH   SOLE 0 4,468 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   3,377,818 83,609 SH   SOLE 0 83,609 0 0
TEXAS INSTRS INC COM Stock 882508104   214,470 1,153 SH   SOLE 0 1,153 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   25,933,915 245,819 SH   SOLE 0 245,819 0 0
PFIZER INC COM Stock 717081103   418,567 10,259 SH   SOLE 0 10,259 0 0
CATERPILLAR INC COM Stock 149123101   232,330 1,015 SH   SOLE 0 1,015 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   528,944 5,086 SH   SOLE 0 5,086 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258   294,593 3,881 SH   SOLE 0 3,881 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   530,102 3,442 SH   SOLE 0 3,442 0 0
INVESCO BUYBACK ACHIEVERS ETF ETF 46137V308   285,944 3,361 SH   SOLE 0 3,361 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   7,227,158 77,221 SH   SOLE 0 77,221 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   22,462,794 314,121 SH   SOLE 0 314,121 0 0
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   18,835,979 183,283 SH   SOLE 0 183,282 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409   1,736,588 31,369 SH   SOLE 0 31,369 0 0
LAM RESEARCH CORP COM Stock 512807108   841,300 1,587 SH   SOLE 0 1,587 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   1,568,494 38,519 SH   SOLE 0 38,519 0 0
PHILIP MORRIS INTL INC COM Stock 718172109   3,451,200 35,488 SH   SOLE 0 35,487 0 0
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   213,683 3,083 SH   SOLE 0 3,083 0 0
ALTRIA GROUP INC COM Stock 02209S103   4,852,609 108,754 SH   SOLE 0 108,754 0 0
DOMINION ENERGY INC COM Stock 25746U109   4,653,892 83,239 SH   SOLE 0 83,238 0 0
EXXON MOBIL CORP COM Stock 30231G102   1,488,580 13,575 SH   SOLE 0 13,574 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102   550,095 1,164 SH   SOLE 0 1,164 0 0
LOWES COS INC COM Stock 548661107   2,849,373 14,249 SH   SOLE 0 14,249 0 0
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886   204,695 3,024 SH   SOLE 0 3,024 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   775,056 24,130 SH   SOLE 0 24,130 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   28,719,021 114,803 SH   SOLE 0 114,802 0 0
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   202,640 4,000 SH   SOLE 0 4,000 0 0
ISHARES MSCI EAFE ETF ETF 464287465   25,248,996 353,034 SH   SOLE 0 353,034 0 0
APPLE INC COM Stock 037833100   14,885,975 90,273 SH   SOLE 0 90,272 0 0
ABBOTT LABS COM Stock 002824100   718,440 7,095 SH   SOLE 0 7,095 0 0
DISNEY WALT CO COM Stock 254687106   490,236 4,896 SH   SOLE 0 4,896 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   3,117,479 33,853 SH   SOLE 0 33,852 0 0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663   1,185,304 12,909 SH   SOLE 0 12,909 0 0