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
ABBOTT LABS COM 002824100   1 14 SH   SOLE   0 0 14
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   39 129 SH   SOLE   0 0 129
ACUSHNET HLDGS CORP COM 005098108   5 101 SH   SOLE   0 0 101
ADOBE SYSTEMS INCORPORATED COM 00724F101   58 119 SH   SOLE   0 0 119
AIR PRODS & CHEMS INC COM 009158106   0 2 SH   SOLE   0 0 2
AIRBNB INC COM CL A 009066101   0 6 SH   SOLE   0 0 6
ALPHABET INC CAP STK CL A 02079K305   110 920 SH   SOLE   0 0 920
ALPHABET INC CAP STK CL C 02079K107   24 200 SH   SOLE   0 0 200
ALTRIA GROUP INC COM 02209S103   157 3,480 SH   SOLE   0 0 3,480
AMAZON COM INC COM 023135106   73 560 SH   SOLE   0 0 560
AMERICAN ELEC PWR CO INC COM 025537101   10 130 SH   SOLE   0 0 130
AMERICAN WTR WKS CO INC NEW COM 030420103   11 80 SH   SOLE   0 0 80
APPLE INC COM 037833100   909 4,690 SH   SOLE   0 0 4,690
ARES CAPITAL CORP COM 04010L103   5 277 SH   SOLE   0 0 277
AT&T INC COM 00206R102   8 555 SH   SOLE   0 0 555
ATLASSIAN CORPORATION CL A 049468101   0 4 SH   SOLE   0 0 4
BANK AMERICA CORP COM 060505104   12 422 SH   SOLE   0 0 422
BAXTER INTL INC COM 071813109   4 100 SH   SOLE   0 0 100
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   223 655 SH   SOLE   0 0 655
BLACKSTONE INC COM 09260D107   9 100 SH   SOLE   0 0 100
BOEING CO COM 097023105   21 100 SH   SOLE   0 0 100
BRIGHTHOUSE FINL INC COM 10922N103   0 3 SH   SOLE   0 0 3
BRISTOL-MYERS SQUIBB CO COM 110122108   11 180 SH   SOLE   0 0 180
CALIFORNIA RES CORP COM STOCK 13057Q305   5 113 SH   SOLE   0 0 113
CAPITAL ONE FINL CORP COM 14040H105   0 0 SH   SOLE   0 0 0
CARMAX INC COM 143130102   3 43 SH   SOLE   0 0 43
CHEVRON CORP NEW COM 166764100   16 104 SH   SOLE   0 0 104
CHURCH & DWIGHT CO INC COM 171340102   30 300 SH   SOLE   0 0 300
CINTAS CORP COM 172908105   22 45 SH   SOLE   0 0 45
CISCO SYS INC COM 17275R102   28 553 SH   SOLE   0 0 553
COCA COLA CO COM 191216100   9 154 SH   SOLE   0 0 154
CONSTELLATION ENERGY CORP COM 21037T109   21 229 SH   SOLE   0 0 229
COSTCO WHSL CORP NEW COM 22160K105   15 28 SH   SOLE   0 0 28
CURTISS WRIGHT CORP COM 231561101   64 350 SH   SOLE   0 0 350
DANAHER CORPORATION COM 235851102   12 50 SH   SOLE   0 0 50
DELTA AIR LINES INC DEL COM NEW 247361702   36 759 SH   SOLE   0 0 759
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   452 16,680 SH   SOLE   0 0 16,680
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   0 10 SH   SOLE   0 0 10
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   0 40 SH   SOLE   0 0 40
DISNEY WALT CO COM 254687106   25 287 SH   SOLE   0 0 287
DOMINION ENERGY INC COM 25746U109   237 4,593 SH   SOLE   0 0 4,593
EATON CORP PLC SHS G29183103   30 150 SH   SOLE   0 0 150
ELEVANCE HEALTH INC COM 036752103   168 380 SH   SOLE   0 0 380
EXELON CORP COM 30161N101   29 717 SH   SOLE   0 0 717
EXTRA SPACE STORAGE INC COM 30225T102   7 50 SH   SOLE   0 0 50
EXXON MOBIL CORP COM 30231G102   513 4,785 SH   SOLE   0 0 4,785
FIRST TR EXCHANGE TRADED FD WTR ETF 33733B100   40 456 SH   SOLE   0 0 456
FORD MTR CO DEL COM 345370860   10 700 SH   SOLE   0 0 700
GARMIN LTD SHS H2906T109   0 9 SH   SOLE   0 0 9
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   2 31 SH   SOLE   0 0 31
GENERAL ELECTRIC CO COM NEW 369604301   10 95 SH   SOLE   0 0 95
GENWORTH FINL INC COM CL A 37247D106   75 15,189 SH   SOLE   0 0 15,189
GROWGENERATION CORP COM 39986L109   0 50 SH   SOLE   0 0 50
HCA HEALTHCARE INC COM 40412C101   50 165 SH   SOLE   0 0 165
HERSHEY CO COM 427866108   93 374 SH   SOLE   0 0 374
HOME DEPOT INC COM 437076102   136 440 SH   SOLE   0 0 440
HONEYWELL INTL INC COM 438516106   27 132 SH   SOLE   0 0 132
ILLUMINA INC COM 452327109   1 7 SH   SOLE   0 0 7
INTEL CORP COM 458140100   12 375 SH   SOLE   0 0 375
INTERDIGITAL INC COM 45867G101   38 400 SH   SOLE   0 0 400
INTERNATIONAL BUSINESS MACHS COM 459200101   13 100 SH   SOLE   0 0 100
INTUIT COM 461202103   1 3 SH   SOLE   0 0 3
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   7 547 SH   SOLE   0 0 547
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738   1,161 24,901 SH   SOLE   0 0 24,901
ISHARES INC CORE MSCI EMKT 46434G103   14 300 SH   SOLE   0 0 300
ISHARES TR CORE S&P500 ETF 464287200   15 34 SH   SOLE   0 0 34
ISHARES TR CORE S&P MCP ETF 464287507   38 147 SH   SOLE   0 0 147
ISHARES TR CORE S&P SCP ETF 464287804   2 27 SH   SOLE   0 0 27
ISHARES TR GLOBAL 100 ETF 464287572   1 19 SH   SOLE   0 0 19
ISHARES TR IBOXX HI YD ETF 464288513   0 7 SH   SOLE   0 0 7
ISHARES TR RUS 1000 VAL ETF 464287598   11 71 SH   SOLE   0 0 71
ISHARES TR SELF DRIVNG EV 46435U366   0 5 SH   SOLE   0 0 5
JOHNSON & JOHNSON COM 478160104   50 304 SH   SOLE   0 0 304
JPMORGAN CHASE & CO COM 46625H100   36 251 SH   SOLE   0 0 251
KIMBERLY-CLARK CORP COM 494368103   279 2,009 SH   SOLE   0 0 2,009
KINDER MORGAN INC DEL COM 49456B101   3 219 SH   SOLE   0 0 219
KINSALE CAP GROUP INC COM 49714P108   50 135 SH   SOLE   0 0 135
KRAFT HEINZ CO COM 500754106   0 20 SH   SOLE   0 0 20
KYNDRYL HLDGS INC COMMON STOCK 50155Q100   0 20 SH   SOLE   0 0 20
LISTED FD TR ROUNDHILL BALL 53656F417   6 600 SH   SOLE   0 0 600
LOCKHEED MARTIN CORP COM 539830109   60 132 SH   SOLE   0 0 132
LULULEMON ATHLETICA INC COM 550021109   1 3 SH   SOLE   0 0 3
MARKEL GROUP INC COM 570535104   96 69 SH   SOLE   0 0 69
MASTERCARD INCORPORATED CL A 57636Q104   80 205 SH   SOLE   0 0 205
MCKESSON CORP COM 58155Q103   35 83 SH   SOLE   0 0 83
MEDTRONIC PLC SHS G5960L103   0 10 SH   SOLE   0 0 10
METLIFE INC COM 59156R108   2 40 SH   SOLE   0 0 40
MICROSOFT CORP COM 594918104   112 330 SH   SOLE   0 0 330
MONDELEZ INTL INC CL A 609207105   10 138 SH   SOLE   0 0 138
NEXTERA ENERGY INC COM 65339F101   29 400 SH   SOLE   0 0 400
NIKE INC CL B 654106103   0 2 SH   SOLE   0 0 2
NISOURCE INC COM 65473P105   162 5,932 SH   SOLE   0 0 5,932
NUSHARES ETF TR NUVEEN ESG US 67092P870   970 44,123 SH   SOLE   0 0 44,123
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888   1,051 38,497 SH   SOLE   0 0 38,497
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   3,704 127,911 SH   SOLE   0 0 127,911
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   2,286 36,750 SH   SOLE   0 0 36,750
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   1,695 48,929 SH   SOLE   0 0 48,929
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   565 15,295 SH   SOLE   0 0 15,295
OLD REP INTL CORP COM 680223104   269 10,709 SH   SOLE   0 0 10,709
ORACLE CORP COM 68389X105   45 380 SH   SOLE   0 0 380
PAYCHEX INC COM 704326107   30 275 SH   SOLE   0 0 275
PAYPAL HLDGS INC COM 70450Y103   1 20 SH   SOLE   0 0 20
PEPSICO INC COM 713448108   63 342 SH   SOLE   0 0 342
PFIZER INC COM 717081103   29 794 SH   SOLE   0 0 794
PHILIP MORRIS INTL INC COM 718172109   7 78 SH   SOLE   0 0 78
PHILLIPS 66 COM 718546104   36 383 SH   SOLE   0 0 383
PPL CORP COM 69351T106   30 1,149 SH   SOLE   0 0 1,149
PRICE T ROWE GROUP INC COM 74144T108   91 820 SH   SOLE   0 0 820
PROCTER AND GAMBLE CO COM 742718109   81 540 SH   SOLE   0 0 540
PROSHARES TR S&P 500 DV ARIST 74348A467   1 21 SH   SOLE   0 0 21
QUALCOMM INC COM 747525103   1 10 SH   SOLE   0 0 10
RAYTHEON TECHNOLOGIES CORP COM 75513E101   7 75 SH   SOLE   0 0 75
RIVIAN AUTOMOTIVE INC COM CL A 76954A103   0 6 SH   SOLE   0 0 6
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   176 7,147 SH   SOLE   0 0 7,147
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   173 4,866 SH   SOLE   0 0 4,866
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   23 447 SH   SOLE   0 0 447
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,102 21,043 SH   SOLE   0 0 21,043
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   93 1,244 SH   SOLE   0 0 1,244
SCHWAB STRATEGIC TR US REIT ETF 808524847   0 30 SH   SOLE   0 0 30
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   83 1,898 SH   SOLE   0 0 1,898
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   176 3,818 SH   SOLE   0 0 3,818
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1 26 SH   SOLE   0 0 26
SIRIUS XM HOLDINGS INC COM 82968B103   2 600 SH   SOLE   0 0 600
SPDR S&P 500 ETF TR TR UNIT 78462F103   79 179 SH   SOLE   0 0 179
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   25 54 SH   SOLE   0 0 54
SPOTIFY TECHNOLOGY S A SHS L8681T102   0 6 SH   SOLE   0 0 6
SYNCHRONY FINANCIAL COM 87165B103   2 71 SH   SOLE   0 0 71
TELEDYNE TECHNOLOGIES INC COM 879360105   102 250 SH   SOLE   0 0 250
TESLA INC COM 88160R101   193 741 SH   SOLE   0 0 741
THERMO FISHER SCIENTIFIC INC COM 883556102   83 160 SH   SOLE   0 0 160
TRUIST FINL CORP COM 89832Q109   30 1,009 SH   SOLE   0 0 1,009
UNION PAC CORP COM 907818108   503 2,458 SH   SOLE   0 0 2,458
UNITED BANKSHARES INC WEST V COM 909907107   301 10,042 SH   SOLE   0 0 10,042
UNITED PARCEL SERVICE INC CL B 911312106   16 93 SH   SOLE   0 0 93
UNITEDHEALTH GROUP INC COM 91324P102   574 1,194 SH   SOLE   0 0 1,194
UPSTART HLDGS INC COM 91680M107   0 16 SH   SOLE   0 0 16
VANGUARD BD INDEX FDS INTERMED TERM 921937819   4,746 63,087 SH   SOLE   0 0 63,087
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   6,282 83,860 SH   SOLE   0 0 83,860
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   11,474 151,838 SH   SOLE   0 0 151,838
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   15 211 SH   SOLE   0 0 211
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   16,189 331,199 SH   SOLE   0 0 331,199
VANGUARD INDEX FDS GROWTH ETF 922908736   20,310 71,779 SH   SOLE   0 0 71,779
VANGUARD INDEX FDS LARGE CAP ETF 922908637   15 76 SH   SOLE   0 0 76
VANGUARD INDEX FDS MID CAP ETF 922908629   44 203 SH   SOLE   0 0 203
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   307 1,494 SH   SOLE   0 0 1,494
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1 20 SH   SOLE   0 0 20
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   104 255 SH   SOLE   0 0 255
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,529 27,804 SH   SOLE   0 0 27,804
VANGUARD INDEX FDS TOTAL STK MKT 922908769   107 486 SH   SOLE   0 0 486
VANGUARD INDEX FDS VALUE ETF 922908744   17,078 120,189 SH   SOLE   0 0 120,189
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   0 8 SH   SOLE   0 0 8
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,900 194,203 SH   SOLE   0 0 194,203
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   118 1,224 SH   SOLE   0 0 1,224
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   602 12,004 SH   SOLE   0 0 12,004
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   7,220 157,001 SH   SOLE   0 0 157,001
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   337 4,458 SH   SOLE   0 0 4,458
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   30 450 SH   SOLE   0 0 450
VANGUARD STAR FDS VG TL INTL STK F 921909768   40 716 SH   SOLE   0 0 716
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   21,650 468,837 SH   SOLE   0 0 468,837
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   1 28 SH   SOLE   0 0 28
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   202 1,910 SH   SOLE   0 0 1,910
VERIZON COMMUNICATIONS INC COM 92343V104   13 364 SH   SOLE   0 0 364
VERTEX PHARMACEUTICALS INC COM 92532F100   1 4 SH   SOLE   0 0 4
VISA INC COM CL A 92826C839   73 310 SH   SOLE   0 0 310
WALMART INC COM 931142103   180 1,150 SH   SOLE   0 0 1,150
WARNER BROS DISCOVERY INC COM SER A 934423104   1 127 SH   SOLE   0 0 127
WELLS FARGO CO NEW COM 949746101   290 6,811 SH   SOLE   0 0 6,811