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   2,025,794 15,540 SH   SOLE 0 15,540 0 0
INVESCO QQQ TRUST SERIES I ETF 46090E103   1,109,738 3,004 SH   SOLE 0 3,004 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   61,040,317 351,089 SH   SOLE 0 351,088 0 0
STARBUCKS CORP COM Stock 855244109   201,587 2,035 SH   SOLE 0 2,035 0 0
ELEVANCE HEALTH INC COM Stock 036752103   862,893 1,942 SH   SOLE 0 1,942 0 0
SPDR PORTFOLIO INTERMEDIATE TERM TREASURY ETF ETF 78464A672   498,045 17,605 SH   SOLE 0 17,605 0 0
JOHNSON & JOHNSON COM Stock 478160104   2,010,902 12,149 SH   SOLE 0 12,149 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   524,046 2,379 SH   SOLE 0 2,379 0 0
INVESCO HIGH YIELD EQUITY DIVIDEND ACHIEVERS ETF ETF 46137V563   11,377,654 591,970 SH   SOLE 0 591,969 0 0
VANGUARD ENERGY ETF ETF 92204A306   1,998,153 17,700 SH   SOLE 0 17,700 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   490,464 911 SH   SOLE 0 911 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   9,285,848 234,728 SH   SOLE 0 234,728 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   2,163,395 14,257 SH   SOLE 0 14,257 0 0
COCA COLA CO COM Stock 191216100   1,322,973 21,969 SH   SOLE 0 21,969 0 0
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109   6,474,246 190,363 SH   SOLE 0 190,363 0 0
TRUIST FINL CORP COM Stock 89832Q109   1,762,910 58,086 SH   SOLE 0 58,086 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106   304,725 1,700 SH   SOLE 0 1,700 0 0
INTEL CORP COM Stock 458140100   452,778 13,540 SH   SOLE 0 13,540 0 0
RELIANCE STEEL & ALUMINUM CO COM Stock 759509102   252,036 928 SH   SOLE 0 928 0 0
NETFLIX INC COM Stock 64110L106   236,984 538 SH   SOLE 0 538 0 0
MERCK & CO INC COM Stock 58933Y105   711,495 6,166 SH   SOLE 0 6,166 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   38,933,924 374,221 SH   SOLE 0 374,220 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   22,961,992 51,800 SH   SOLE 0 51,800 0 0
MCKESSON CORP COM Stock 58155Q103   207,673 486 SH   SOLE 0 486 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104   653,665 1,662 SH   SOLE 0 1,662 0 0
STEEL DYNAMICS INC COM Stock 858119100   457,506 4,200 SH   SOLE 0 4,200 0 0
ISHARES S&P 100 ETF ETF 464287101   467,541 2,258 SH   SOLE 0 2,258 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   213,895 5,751 SH   SOLE 0 5,751 0 0
SONOCO PRODS CO COM Stock 835495102   469,209 7,950 SH   SOLE 0 7,950 0 0
FEDEX CORP COM Stock 31428X106   225,341 909 SH   SOLE 0 909 0 0
PEPSICO INC COM Stock 713448108   1,485,386 8,020 SH   SOLE 0 8,019 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457   578,425 7,134 SH   SOLE 0 7,134 0 0
HONEYWELL INTL INC COM Stock 438516106   337,810 1,628 SH   SOLE 0 1,628 0 0
HOME DEPOT INC COM Stock 437076102   1,015,817 3,270 SH   SOLE 0 3,270 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   567,058 2,580 SH   SOLE 0 2,580 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   18,846,460 141,991 SH   SOLE 0 141,990 0 0
SPDR GOLD SHARES ETF 78463V107   792,588 4,446 SH   SOLE 0 4,446 0 0
SOUTHERN CO COM Stock 842587107   402,252 5,726 SH   SOLE 0 5,726 0 0
BECTON DICKINSON & CO COM Stock 075887109   708,603 2,684 SH   SOLE 0 2,684 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   1,705,015 6,196 SH   SOLE 0 6,196 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   12,588,502 169,725 SH   SOLE 0 169,724 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   15,599,518 156,543 SH   SOLE 0 156,543 0 0
PRA GROUP INC COM Stock 69354N106   1,067,072 46,699 SH   SOLE 0 46,699 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   733,491 2,151 SH   SOLE 0 2,151 0 0
ALPHABET INC CAP STK CL A Stock 02079K305   1,115,963 9,323 SH   SOLE 0 9,323 0 0
MICROSOFT CORP COM Stock 594918104   24,012,838 70,514 SH   SOLE 0 70,514 0 0
CVS HEALTH CORP COM Stock 126650100   230,756 3,338 SH   SOLE 0 3,338 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND ETF 81369Y852   1,016,505 15,619 SH   SOLE 0 15,619 0 0
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706   654,587 11,159 SH   SOLE 0 11,159 0 0
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108   517,810 1 SH   SOLE 0 1 0 0
BOEING CO COM Stock 097023105   274,086 1,298 SH   SOLE 0 1,298 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   3,951,750 19,869 SH   SOLE 0 19,869 0 0
VANGUARD MID-CAP ETF ETF 922908629   3,541,778 16,087 SH   SOLE 0 16,087 0 0
VANGUARD LARGE-CAP ETF ETF 922908637   808,042 3,986 SH   SOLE 0 3,986 0 0
NEXTERA ENERGY INC COM Stock 65339F101   495,508 6,678 SH   SOLE 0 6,678 0 0
NIKE INC CL B Stock 654106103   675,876 6,124 SH   SOLE 0 6,123 0 0
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   16,025,016 277,586 SH   SOLE 0 277,585 0 0
ATLANTIC UN BANKSHARES CORP COM Stock 04911A107   462,429 17,820 SH   SOLE 0 17,820 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504   1,861,611 7,604 SH   SOLE 0 7,604 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   13,737,736 407,527 SH   SOLE 0 407,527 0 0
NORFOLK SOUTHN CORP COM Stock 655844108   1,796,250 7,921 SH   SOLE 0 7,921 0 0
NEWMARKET CORP COM Stock 651587107   1,278,742 3,180 SH   SOLE 0 3,180 0 0
VANGUARD CONSUMER STAPLES ETF ETF 92204A207   836,135 4,300 SH   SOLE 0 4,300 0 0
VANGUARD INDUSTRIALS ETF ETF 92204A603   4,508,917 21,938 SH   SOLE 0 21,938 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   4,303,985 9,734 SH   SOLE 0 9,734 0 0
VANGUARD S&P 500 ETF ETF 922908363   52,007,028 127,694 SH   SOLE 0 127,693 0 0
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   4,090,849 8,542 SH   SOLE 0 8,542 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357   1,102,847 7,370 SH   SOLE 0 7,370 0 0
SPDR S&P 600 SMALL CAP VALUE ETF ETF 78464A300   5,890,022 76,306 SH   SOLE 0 76,305 0 0
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821   720,584 10,057 SH   SOLE 0 10,057 0 0
SPDR S&P 600 SMALL CAP GROWTH ETF ETF 78464A201   363,174 4,719 SH   SOLE 0 4,719 0 0
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839   655,611 9,532 SH   SOLE 0 9,532 0 0
LILLY ELI & CO COM Stock 532457108   13,572,924 28,941 SH   SOLE 0 28,941 0 0
HASBRO INC COM Stock 418056107   222,096 3,429 SH   SOLE 0 3,429 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   19,226,724 102,668 SH   SOLE 0 102,668 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204   650,436 7,248 SH   SOLE 0 7,248 0 0
AFLAC INC COM Stock 001055102   290,298 4,159 SH   SOLE 0 4,159 0 0
SYSCO CORP COM Stock 871829107   221,932 2,991 SH   SOLE 0 2,991 0 0
ISHARES U.S. AEROSPACE & DEFENSE ETF ETF 464288760   824,857 7,070 SH   SOLE 0 7,070 0 0
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   437,579 6,967 SH   SOLE 0 6,966 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718   2,238,313 22,243 SH   SOLE 0 22,243 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168   375,476 3,314 SH   SOLE 0 3,314 0 0
AMERICAN ELEC PWR CO INC COM Stock 025537101   298,489 3,545 SH   SOLE 0 3,545 0 0
MARATHON PETE CORP COM Stock 56585A102   643,542 5,519 SH   SOLE 0 5,519 0 0
TOWNEBANK PORTSMOUTH VA COM Stock 89214P109   286,898 12,345 SH   SOLE 0 12,345 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   388,525 2,349 SH   SOLE 0 2,349 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   499,190 6,874 SH   SOLE 0 6,874 0 0
VISA INC COM CL A Stock 92826C839   1,199,274 5,050 SH   SOLE 0 5,050 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   416,519 1,813 SH   SOLE 0 1,813 0 0
VANGUARD VALUE ETF ETF 922908744   4,752,250 33,443 SH   SOLE 0 33,443 0 0
VANGUARD GROWTH ETF ETF 922908736   16,973,054 59,984 SH   SOLE 0 59,983 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   610,326 6,238 SH   SOLE 0 6,238 0 0
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND ETF 97717W604   4,144,580 143,959 SH   SOLE 0 143,959 0 0
META PLATFORMS INC CL A Stock 30303M102   425,304 1,482 SH   SOLE 0 1,482 0 0
MONDELEZ INTL INC CL A Stock 609207105   383,737 5,261 SH   SOLE 0 5,261 0 0
BROADCOM INC COM Stock 11135F101   264,566 305 SH   SOLE 0 305 0 0
CANADIAN PACIFIC KANSAS CITY COM Stock 13646K108   302,241 3,742 SH   SOLE 0 3,742 0 0
ISHARES SHORT TREASURY BOND ETF ETF 464288679   1,400,064 12,676 SH   SOLE 0 12,676 0 0
ABBVIE INC COM Stock 00287Y109   991,613 7,360 SH   SOLE 0 7,360 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   9,700,162 196,798 SH   SOLE 0 196,797 0 0
INVESCO S&P 500 QUALITY ETF ETF 46137V241   308,343 6,112 SH   SOLE 0 6,111 0 0
QUALCOMM INC COM Stock 747525103   264,507 2,222 SH   SOLE 0 2,222 0 0
ISHARES GLOBAL FINANCIALS ETF ETF 464287333   5,935,745 82,971 SH   SOLE 0 82,971 0 0
MCDONALDS CORP COM Stock 580135101   3,410,826 11,430 SH   SOLE 0 11,430 0 0
CISCO SYS INC COM Stock 17275R102   596,562 11,530 SH   SOLE 0 11,530 0 0
CAPITAL ONE FINL CORP COM Stock 14040H105   255,051 2,332 SH   SOLE 0 2,332 0 0
ISHARES RUSSELL MIDCAP ETF ETF 464287499   424,596 5,814 SH   SOLE 0 5,814 0 0
WISDOMTREE U.S. LARGECAP DIVIDEND FUND ETF 97717W307   309,732 4,870 SH   SOLE 0 4,870 0 0
AT&T INC COM Stock 00206R102   211,019 13,230 SH   SOLE 0 13,230 0 0
WISDOMTREE U.S. MIDCAP DIVIDEND FUND ETF 97717W505   5,480,292 130,328 SH   SOLE 0 130,328 0 0
GLOBAL X S&P 500 COVERED CALL ETF ETF 37954Y475   380,862 9,278 SH   SOLE 0 9,278 0 0
VANGUARD FINANCIALS ETF ETF 92204A405   216,261 2,662 SH   SOLE 0 2,662 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   4,031,932 49,673 SH   SOLE 0 49,672 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   12,688,904 110,405 SH   SOLE 0 110,405 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   19,847,416 116,880 SH   SOLE 0 116,880 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704   9,464,579 88,190 SH   SOLE 0 88,190 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   337,497 3,100 SH   SOLE 0 3,100 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408   50,541,909 313,555 SH   SOLE 0 313,554 0 0
SPDR PORTFOLIO S&P 600 SMALL CAP ETF ETF 78468R853   434,115 11,177 SH   SOLE 0 11,177 0 0
WISDOMTREE U.S. AI ENHANCED VALUE FUND ETF 97717W406   6,035,810 64,525 SH   SOLE 0 64,525 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309   84,068,692 1,192,802 SH   SOLE 0 1,192,802 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   8,369,542 18,778 SH   SOLE 0 18,778 0 0
WELLS FARGO CO NEW COM Stock 949746101   245,410 5,750 SH   SOLE 0 5,750 0 0
INVESCO DWA MOMENTUM ETF ETF 46137V837   334,997 4,134 SH   SOLE 0 4,134 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102   251,602 552 SH   SOLE 0 552 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102   765,929 1,468 SH   SOLE 0 1,468 0 0
VANGUARD MID-CAP VALUE ETF ETF 922908512   298,347 2,156 SH   SOLE 0 2,156 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   855,624 5,883 SH   SOLE 0 5,883 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   240,213 6,987 SH   SOLE 0 6,987 0 0
CHEVRON CORP NEW COM Stock 166764100   692,340 4,400 SH   SOLE 0 4,400 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   10,862,979 101,780 SH   SOLE 0 101,780 0 0
ALBEMARLE CORP COM Stock 012653101   363,860 1,631 SH   SOLE 0 1,631 0 0
MARKEL GROUP INC COM Stock 570535104   367,926 266 SH   SOLE 0 266 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   35,373,605 765,994 SH   SOLE 0 765,994 0 0
BANK AMERICA CORP COM Stock 060505104   403,045 14,048 SH   SOLE 0 14,048 0 0
VANGUARD CONSUMER DISCRETIONARY ETF ETF 92204A108   6,727,133 23,754 SH   SOLE 0 23,754 0 0
INVESCO S&P 500 PURE GROWTH ETF ETF 46137V266   261,532 1,714 SH   SOLE 0 1,714 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   10,694,737 87,247 SH   SOLE 0 87,247 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   282,339 2,110 SH   SOLE 0 2,110 0 0
ORACLE CORP COM Stock 68389X105   3,887,574 32,644 SH   SOLE 0 32,644 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101   407,122 4,156 SH   SOLE 0 4,156 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   3,389,694 83,326 SH   SOLE 0 83,325 0 0
TEXAS INSTRS INC COM Stock 882508104   317,375 1,763 SH   SOLE 0 1,763 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   25,786,926 243,112 SH   SOLE 0 243,112 0 0
PFIZER INC COM Stock 717081103   370,615 10,104 SH   SOLE 0 10,104 0 0
CATERPILLAR INC COM Stock 149123101   248,837 1,011 SH   SOLE 0 1,011 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   612,592 5,064 SH   SOLE 0 5,064 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258   301,009 3,881 SH   SOLE 0 3,881 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   559,084 3,442 SH   SOLE 0 3,442 0 0
INVESCO BUYBACK ACHIEVERS ETF ETF 46137V308   300,672 3,361 SH   SOLE 0 3,361 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   7,426,359 78,098 SH   SOLE 0 78,098 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   23,619,164 314,922 SH   SOLE 0 314,922 0 0
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   19,663,603 183,549 SH   SOLE 0 183,548 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409   1,912,969 31,355 SH   SOLE 0 31,355 0 0
LAM RESEARCH CORP COM Stock 512807108   1,020,219 1,587 SH   SOLE 0 1,587 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   1,663,848 38,515 SH   SOLE 0 38,515 0 0
PHILIP MORRIS INTL INC COM Stock 718172109   3,448,192 35,323 SH   SOLE 0 35,322 0 0
ALTRIA GROUP INC COM Stock 02209S103   4,920,124 108,612 SH   SOLE 0 108,612 0 0
DOMINION ENERGY INC COM Stock 25746U109   4,352,919 84,049 SH   SOLE 0 84,049 0 0
EXXON MOBIL CORP COM Stock 30231G102   1,421,009 13,250 SH   SOLE 0 13,249 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102   689,238 1,434 SH   SOLE 0 1,434 0 0
LOWES COS INC COM Stock 548661107   3,194,784 14,155 SH   SOLE 0 14,155 0 0
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886   203,649 3,112 SH   SOLE 0 3,112 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   784,051 24,095 SH   SOLE 0 24,095 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   29,818,329 114,037 SH   SOLE 0 114,036 0 0
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   10,755,216 214,162 SH   SOLE 0 214,162 0 0
ISHARES MSCI EAFE ETF ETF 464287465   27,078,410 373,495 SH   SOLE 0 373,495 0 0
APPLE INC COM Stock 037833100   17,885,627 92,208 SH   SOLE 0 92,208 0 0
ABBOTT LABS COM Stock 002824100   817,105 7,495 SH   SOLE 0 7,495 0 0
DISNEY WALT CO COM Stock 254687106   432,740 4,847 SH   SOLE 0 4,847 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   3,162,711 32,612 SH   SOLE 0 32,611 0 0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663   1,926,384 20,980 SH   SOLE 0 20,980 0 0