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
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   0 8 SH   SOLE   0 0 8
ALPHABET INC CAP STK CL A 02079K305   95 920 SH   SOLE   0 0 920
ALPHABET INC CAP STK CL C 02079K107   20 200 SH   SOLE   0 0 200
ATLASSIAN CORPORATION CL A 049468101   0 4 SH   SOLE   0 0 4
MASTERCARD INCORPORATED CL A 57636Q104   74 205 SH   SOLE   0 0 205
MONDELEZ INTL INC CL A 609207105   9 138 SH   SOLE   0 0 138
NIKE INC CL B 654106103   0 2 SH   SOLE   0 0 2
UNITED PARCEL SERVICE INC CL B 911312106   17 89 SH   SOLE   0 0 89
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   202 655 SH   SOLE   0 0 655
ACUSHNET HLDGS CORP COM 005098108   5 101 SH   SOLE   0 0 101
ADOBE SYSTEMS INCORPORATED COM 00724F101   45 119 SH   SOLE   0 0 119
ALTRIA GROUP INC COM 02209S103   155 3,478 SH   SOLE   0 0 3,478
AMAZON COM INC COM 023135106   57 560 SH   SOLE   0 0 560
AMERICAN ELEC PWR CO INC COM 025537101   11 130 SH   SOLE   0 0 130
AMERICAN WTR WKS CO INC NEW COM 030420103   11 80 SH   SOLE   0 0 80
APPLE INC COM 037833100   771 4,690 SH   SOLE   0 0 4,690
ARES CAPITAL CORP COM 04010L103   4 270 SH   SOLE   0 0 270
AT&T INC COM 00206R102   10 549 SH   SOLE   0 0 549
BANC OF CALIFORNIA INC COM 05990K106   0 0 SH   SOLE   0 0 0
BANK AMERICA CORP COM 060505104   12 421 SH   SOLE   0 0 421
BAXTER INTL INC COM 071813109   4 100 SH   SOLE   0 0 100
BLACKSTONE INC COM 09260D107   8 100 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   12 180 SH   SOLE   0 0 180
CAPITAL ONE FINL CORP COM 14040H105   51 532 SH   SOLE   0 0 532
CARMAX INC COM 143130102   2 43 SH   SOLE   0 0 43
CHEVRON CORP NEW COM 166764100   16 100 SH   SOLE   0 0 100
CHURCH & DWIGHT CO INC COM 171340102   26 300 SH   SOLE   0 0 300
CINTAS CORP COM 172908105   20 45 SH   SOLE   0 0 45
CISCO SYS INC COM 17275R102   28 548 SH   SOLE   0 0 548
COCA COLA CO COM 191216100   8 143 SH   SOLE   0 0 143
CONSTELLATION ENERGY CORP COM 21037T109   17 229 SH   SOLE   0 0 229
COSTCO WHSL CORP NEW COM 22160K105   13 28 SH   SOLE   0 0 28
CURTISS WRIGHT CORP COM 231561101   61 350 SH   SOLE   0 0 350
DANAHER CORPORATION COM 235851102   12 50 SH   SOLE   0 0 50
DISNEY WALT CO COM 254687106   27 275 SH   SOLE   0 0 275
DOMINION ENERGY INC COM 25746U109   255 4,572 SH   SOLE   0 0 4,572
ELEVANCE HEALTH INC COM 036752103   70 153 SH   SOLE   0 0 153
EXELON CORP COM 30161N101   29 710 SH   SOLE   0 0 710
EXTRA SPACE STORAGE INC COM 30225T102   8 50 SH   SOLE   0 0 50
EXXON MOBIL CORP COM 30231G102   525 4,791 SH   SOLE   0 0 4,791
FORD MTR CO DEL COM 345370860   8 700 SH   SOLE   0 0 700
GROWGENERATION CORP COM 39986L109   0 50 SH   SOLE   0 0 50
HCA HEALTHCARE INC COM 40412C101   43 165 SH   SOLE   0 0 165
HERSHEY CO COM 427866108   95 373 SH   SOLE   0 0 373
HOME DEPOT INC COM 437076102   129 440 SH   SOLE   0 0 440
HONEYWELL INTL INC COM 438516106   25 131 SH   SOLE   0 0 131
INTEL CORP COM 458140100   12 375 SH   SOLE   0 0 375
INTERDIGITAL INC COM 45867G101   29 400 SH   SOLE   0 0 400
INTERNATIONAL BUSINESS MACHS COM 459200101   13 100 SH   SOLE   0 0 100
JOHNSON & JOHNSON COM 478160104   47 303 SH   SOLE   0 0 303
JPMORGAN CHASE & CO COM 46625H100   32 251 SH   SOLE   0 0 251
KIMBERLY-CLARK CORP COM 494368103   278 2,057 SH   SOLE   0 0 2,057
KINDER MORGAN INC DEL COM 49456B101   2 135 SH   SOLE   0 0 135
KINSALE CAP GROUP INC COM 49714P108   40 135 SH   SOLE   0 0 135
KRAFT HEINZ CO COM 500754106   0 20 SH   SOLE   0 0 20
LOCKHEED MARTIN CORP COM 539830109   62 132 SH   SOLE   0 0 132
LULULEMON ATHLETICA INC COM 550021109   1 3 SH   SOLE   0 0 3
MARKEL CORP COM 570535104   40 31 SH   SOLE   0 0 31
MCKESSON CORP COM 58155Q103   29 83 SH   SOLE   0 0 83
METLIFE INC COM 59156R108   2 40 SH   SOLE   0 0 40
MICROSOFT CORP COM 594918104   95 330 SH   SOLE   0 0 330
NEXTERA ENERGY INC COM 65339F101   30 400 SH   SOLE   0 0 400
NISOURCE INC COM 65473P105   165 5,932 SH   SOLE   0 0 5,932
OLD REP INTL CORP COM 680223104   273 10,961 SH   SOLE   0 0 10,961
ORACLE CORP COM 68389X105   35 380 SH   SOLE   0 0 380
PAYCHEX INC COM 704326107   31 275 SH   SOLE   0 0 275
PEPSICO INC COM 713448108   62 342 SH   SOLE   0 0 342
PFIZER INC COM 717081103   32 794 SH   SOLE   0 0 794
PHILIP MORRIS INTL INC COM 718172109   7 78 SH   SOLE   0 0 78
PHILLIPS 66 COM 718546104   39 393 SH   SOLE   0 0 393
PPL CORP COM 69351T106   31 1,139 SH   SOLE   0 0 1,139
PRICE T ROWE GROUP INC COM 74144T108   91 813 SH   SOLE   0 0 813
PROCTER AND GAMBLE CO COM 742718109   80 540 SH   SOLE   0 0 540
RAYTHEON TECHNOLOGIES CORP COM 75513E101   7 75 SH   SOLE   0 0 75
SIRIUS XM HOLDINGS INC COM 82968B103   2 600 SH   SOLE   0 0 600
SYNCHRONY FINANCIAL COM 87165B103   2 71 SH   SOLE   0 0 71
TELEDYNE TECHNOLOGIES INC COM 879360105   111 250 SH   SOLE   0 0 250
TESLA INC COM 88160R101   153 741 SH   SOLE   0 0 741
THERMO FISHER SCIENTIFIC INC COM 883556102   92 160 SH   SOLE   0 0 160
TRUIST FINL CORP COM 89832Q109   34 1,009 SH   SOLE   0 0 1,009
UNION PAC CORP COM 907818108   508 2,528 SH   SOLE   0 0 2,528
UNITED BANKSHARES INC WEST V COM 909907107   357 10,042 SH   SOLE   0 0 10,042
UNITEDHEALTH GROUP INC COM 91324P102   115 243 SH   SOLE   0 0 243
UPSTART HLDGS INC COM 91680M107   0 16 SH   SOLE   0 0 16
VERIZON COMMUNICATIONS INC COM 92343V104   14 362 SH   SOLE   0 0 362
VERTEX PHARMACEUTICALS INC COM 92532F100   1 4 SH   SOLE   0 0 4
WALMART INC COM 931142103   169 1,149 SH   SOLE   0 0 1,149
WELLS FARGO CO NEW COM 949746101   260 6,972 SH   SOLE   0 0 6,972
AIRBNB INC COM CL A 009066101   0 6 SH   SOLE   0 0 6
GENWORTH FINL INC COM CL A 37247D106   0 36 SH   SOLE   0 0 36
RIVIAN AUTOMOTIVE INC COM CL A 76954A103   0 6 SH   SOLE   0 0 6
VISA INC COM CL A 92826C839   69 310 SH   SOLE   0 0 310
DELTA AIR LINES INC DEL COM NEW 247361702   26 759 SH   SOLE   0 0 759
GENERAL ELECTRIC CO COM NEW 369604301   9 95 SH   SOLE   0 0 95
WARNER BROS DISCOVERY INC COM SER A 934423104   1 127 SH   SOLE   0 0 127
CALIFORNIA RES CORP COM STOCK 13057Q305   4 113 SH   SOLE   0 0 113
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   2 31 SH   SOLE   0 0 31
KYNDRYL HLDGS INC COMMON STOCK 50155Q100   0 20 SH   SOLE   0 0 20
ISHARES INC CORE MSCI EMKT 46434G103   14 300 SH   SOLE   0 0 300
ISHARES TR CORE S&P MCP ETF 464287507   28 113 SH   SOLE   0 0 113
ISHARES TR CORE S&P SCP ETF 464287804   2 27 SH   SOLE   0 0 27
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738   1,127 24,901 SH   SOLE   0 0 24,901
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   1 30 SH   SOLE   0 0 30
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   144 5,900 SH   SOLE   0 0 5,900
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,957 196,958 SH   SOLE   0 0 196,958
ISHARES TR GLOBAL 100 ETF 464287572   1 19 SH   SOLE   0 0 19
VANGUARD INDEX FDS GROWTH ETF 922908736   18,564 74,422 SH   SOLE   0 0 74,422
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   201 1,910 SH   SOLE   0 0 1,910
ISHARES TR IBOXX HI YD ETF 464288513   0 7 SH   SOLE   0 0 7
VANGUARD BD INDEX FDS INTERMED TERM 921937819   4,868 63,438 SH   SOLE   0 0 63,438
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   169 4,877 SH   SOLE   0 0 4,877
VANGUARD INDEX FDS LARGE CAP ETF 922908637   14 76 SH   SOLE   0 0 76
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   6,414 83,696 SH   SOLE   0 0 83,696
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   291 1,494 SH   SOLE   0 0 1,494
VANGUARD INDEX FDS MID CAP ETF 922908629   42 203 SH   SOLE   0 0 203
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   7,321 157,289 SH   SOLE   0 0 157,289
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888   1,106 41,164 SH   SOLE   0 0 41,164
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   3,725 132,500 SH   SOLE   0 0 132,500
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   2,041 36,618 SH   SOLE   0 0 36,618
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   1,663 48,812 SH   SOLE   0 0 48,812
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   526 14,868 SH   SOLE   0 0 14,868
NUSHARES ETF TR NUVEEN ESG US 67092P870   946 42,368 SH   SOLE   0 0 42,368
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1 20 SH   SOLE   0 0 20
LISTED FD TR ROUNDHILL BALL 53656F417   5 600 SH   SOLE   0 0 600
ISHARES TR RUS 1000 VAL ETF 464287598   10 71 SH   SOLE   0 0 71
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   95 255 SH   SOLE   0 0 255
ISHARES TR SELF DRIVNG EV 46435U366   0 5 SH   SOLE   0 0 5
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   11,669 152,564 SH   SOLE   0 0 152,564
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   340 4,464 SH   SOLE   0 0 4,464
EATON CORP PLC SHS G29183103   25 150 SH   SOLE   0 0 150
GARMIN LTD SHS H2906T109   0 9 SH   SOLE   0 0 9
MEDTRONIC PLC SHS G5960L103   0 10 SH   SOLE   0 0 10
SPOTIFY TECHNOLOGY S A SHS L8681T102   0 6 SH   SOLE   0 0 6
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   35 125 SH   SOLE   0 0 125
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,339 28,168 SH   SOLE   0 0 28,168
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   557 11,001 SH   SOLE   0 0 11,001
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   15 211 SH   SOLE   0 0 211
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   16,215 331,475 SH   SOLE   0 0 331,475
VANGUARD INDEX FDS TOTAL STK MKT 922908769   99 486 SH   SOLE   0 0 486
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   6 92 SH   SOLE   0 0 92
SPDR S&P 500 ETF TR TR UNIT 78462F103   73 179 SH   SOLE   0 0 179
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   40 440 SH   SOLE   0 0 440
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   179 3,827 SH   SOLE   0 0 3,827
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   16 350 SH   SOLE   0 0 350
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   425 16,680 SH   SOLE   0 0 16,680
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   81 1,244 SH   SOLE   0 0 1,244
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,044 21,599 SH   SOLE   0 0 21,599
SCHWAB STRATEGIC TR US REIT ETF 808524847   0 44 SH   SOLE   0 0 44
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   80 1,908 SH   SOLE   0 0 1,908
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   0 10 SH   SOLE   0 0 10
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1 30 SH   SOLE   0 0 30
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   24 54 SH   SOLE   0 0 54
VANGUARD INDEX FDS VALUE ETF 922908744   17,240 124,834 SH   SOLE   0 0 124,834
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   21,788 482,360 SH   SOLE   0 0 482,360
VANGUARD STAR FDS VG TL INTL STK F 921909768   39 716 SH   SOLE   0 0 716
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   0 40 SH   SOLE   0 0 40
FIRST TR EXCHANGE TRADED FD WTR ETF 33733B100   38 456 SH   SOLE   0 0 456