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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
MARRIOTT INTL INC NEW CL A 571903202 44 264 SH   SOLE   0 0 264
APPLE INC COM 037833100 7,102 39,995 SH   SOLE   0 0 39,995
ABBVIE INC COM 00287Y109 122 900 SH   SOLE   0 0 900
ABBOTT LABS COM 002824100 647 4,600 SH   SOLE   0 0 4,600
AMGEN INC COM 031162100 56 250 SH   SOLE   0 0 250
AMAZON COM INC COM 023135106 1,807 542 SH   SOLE   0 0 542
ISHARES TR AGGRES ALLOC ETF 464289859 295 4,046 SH   SOLE   0 0 4,046
ISHARES TR MODERT ALLOC ETF 464289875 24 518 SH   SOLE   0 0 518
ARK ETF TR GENOMIC REV ETF 00214Q302 22 359 SH   SOLE   0 0 359
ARK ETF TR INNOVATION ETF 00214Q104 28 297 SH   SOLE   0 0 297
AMERICAN EXPRESS CO COM 025816109 25 150 SH   SOLE   0 0 150
BOEING CO COM 097023105 65 325 SH   SOLE   0 0 325
BANK NEW YORK MELLON CORP COM 064058100 348 6,000 SH   SOLE   0 0 6,000
BUMBLE INC COM CL A 12047B105 4 130 SH   SOLE   0 0 130
BRISTOL-MYERS SQUIBB CO COM 110122108 436 7,000 SH   SOLE   0 0 7,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 876 2,930 SH   SOLE   0 0 2,930
CARRIER GLOBAL CORPORATION COM 14448C104 108 2,000 SH   SOLE   0 0 2,000
CAPSTONE GREEN ENERGY CORP COM 14067D508 10 3,000 SH   SOLE   0 0 3,000
COMCAST CORP NEW CL A 20030N101 11 224 SH   SOLE   0 0 224
CAPITAL ONE FINL CORP COM 14040H105 771 5,316 SH   SOLE   0 0 5,316
CVS HEALTH CORP COM 126650100 206 2,000 SH   SOLE   0 0 2,000
CHEVRON CORP NEW COM 166764100 528 4,500 SH   SOLE   0 0 4,500
DOMINION ENERGY INC COM 25746U109 10 125 SH   SOLE   0 0 125
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 172 3,613 SH   SOLE   0 0 3,613
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 115 3,497 SH   SOLE   0 0 3,497
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 573 11,084 SH   SOLE   11,084 0 0
DANAHER CORPORATION COM 235851102 1,941 5,900 SH   SOLE   0 0 5,900
DISNEY WALT CO COM 254687106 2,478 16,000 SH   SOLE   0 0 16,000
DOLLAR TREE INC COM 256746108 1,786 12,710 SH   SOLE   0 0 12,710
ECOLAB INC COM 278865100 375 1,600 SH   SOLE   0 0 1,600
ISHARES TR MSCI EMG MKT ETF 464287234 465 9,525 SH   SOLE   9,525 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,211 15,395 SH   SOLE   13,550 0 1,845
ISHARES TR EAFE GRWTH ETF 464288885 1,774 16,083 SH   SOLE   7,605 0 8,478
ISHARES TR EAFE VALUE ETF 464288877 292 5,785 SH   SOLE   0 0 5,785
WISDOMTREE TR US MIDCAP FUND 97717W570 225 3,990 SH   SOLE   0 0 3,990
ALPHABET INC CAP STK CL C 02079K107 984 340 SH   SOLE   0 0 340
ALPHABET INC CAP STK CL A 02079K305 2,436 841 SH   SOLE   0 0 841
HCA HEALTHCARE INC COM 40412C101 120 469 SH   SOLE   0 0 469
HOME DEPOT INC COM 437076102 1,785 4,300 SH   SOLE   0 0 4,300
HUMANA INC COM 444859102 158 340 SH   SOLE   0 0 340
ISHARES TR IBOXX HI YD ETF 464288513 3 33 SH   SOLE   0 0 33
INTERNATIONAL BUSINESS MACHS COM 459200101 464 3,475 SH   SOLE   0 0 3,475
AMPLIFY ETF TR ONLIN RETL ETF 032108102 19 219 SH   SOLE   0 0 219
ISHARES TR SELF DRIVNG EV 46435U366 162 2,980 SH   SOLE   0 0 2,980
ISHARES TR CORE S&P MCP ETF 464287507 366 1,292 SH   SOLE   0 0 1,292
ISHARES TR S&P MC 400VL ETF 464287705 14 128 SH   SOLE   0 0 128
ISHARES TR CORE S&P SCP ETF 464287804 1,076 9,394 SH   SOLE   0 0 9,394
ISHARES TR SP SMCP600VL ETF 464287879 247 2,360 SH   SOLE   2,110 0 250
ISHARES TR S&P SML 600 GWT 464287887 46 328 SH   SOLE   0 0 328
INTEL CORP COM 458140100 412 8,000 SH   SOLE   0 0 8,000
ISHARES TR S&P 500 VAL ETF 464287408 804 5,135 SH   SOLE   1,927 0 3,208
INVENTRUST PPTYS CORP COM NEW 46124J201 16 590 SH   SOLE   0 0 590
ISHARES TR CORE S&P500 ETF 464287200 891 1,867 SH   SOLE   488 0 1,379
ISHARES TR S&P 500 GRWT ETF 464287309 1,714 20,480 SH   SOLE   8,645 0 11,835
ISHARES TR RUS 1000 ETF 464287622 606 2,293 SH   SOLE   0 0 2,293
ISHARES TR RUS 1000 VAL ETF 464287598 302 1,801 SH   SOLE   502 0 1,299
ISHARES TR RUS 1000 GRW ETF 464287614 1,007 3,295 SH   SOLE   541 0 2,754
ISHARES TR RUSSELL 2000 ETF 464287655 184 829 SH   SOLE   0 0 829
ISHARES TR RUS 2000 VAL ETF 464287630 78 471 SH   SOLE   0 0 471
ISHARES TR RUS 2000 GRW ETF 464287648 1,072 3,657 SH   SOLE   2,008 0 1,649
ISHARES TR RUS MD CP GR ETF 464287481 4,369 37,921 SH   SOLE   11,144 0 26,776
ISHARES TR RUS MID CAP ETF 464287499 1,031 12,419 SH   SOLE   892 0 11,527
ISHARES TR RUS MDCP VAL ETF 464287473 2,829 23,115 SH   SOLE   391 0 22,724
ISHARES TR RUSSELL 3000 ETF 464287689 36 131 SH   SOLE   0 0 131
JOHNSON & JOHNSON COM 478160104 1,918 11,210 SH   SOLE   0 0 11,210
SPDR SER TR BLOOMBERG HIGH Y 78468R622 12 108 SH   SOLE   0 0 108
JPMORGAN CHASE & CO COM 46625H100 938 5,922 SH   SOLE   0 0 5,922
KYNDRYL HLDGS INC COMMON STOCK 50155Q100 2 95 SH   SOLE   0 0 95
CARMAX INC COM 143130102 267 2,050 SH   SOLE   0 0 2,050
COCA COLA CO COM 191216100 829 14,000 SH   SOLE   0 0 14,000
NORTHERN LTS FD TR IV STERLING CAPITAL 66538H385 6 200 SH   SOLE   0 0 200
LINCOLN ELEC HLDGS INC COM 533900106 88 632 SH   SOLE   0 0 632
LOCKHEED MARTIN CORP COM 539830109 89 250 SH   SOLE   0 0 250
LOWES COS INC COM 548661107 3,880 15,009 SH   SOLE   0 0 15,009
MCDONALDS CORP COM 580135101 536 2,000 SH   SOLE   0 0 2,000
MARKEL CORP COM 570535104 86 70 SH   SOLE   0 0 70
ALTRIA GROUP INC COM 02209S103 46 975 SH   SOLE   0 0 975
MERCK & CO INC COM 58933Y105 790 10,304 SH   SOLE   0 0 10,304
MICROSOFT CORP COM 594918104 8,887 26,424 SH   SOLE   0 0 26,424
NEXTERA ENERGY INC COM 65339F101 560 6,000 SH   SOLE   0 0 6,000
NIKE INC CL B 654106103 3,525 21,150 SH   SOLE   0 0 21,150
ORACLE CORP COM 68389X105 471 5,400 SH   SOLE   0 0 5,400
OTIS WORLDWIDE CORP COM 68902V107 87 1,000 SH   SOLE   0 0 1,000
ABERDEEN STD PALLADIUM ETF T PHYSCL PALLADM 003262102 6 33 SH   SOLE   0 0 33
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 16 223 SH   SOLE   0 0 223
PEPSICO INC COM 713448108 104 600 SH   SOLE   0 0 600
PFIZER INC COM 717081103 1,089 18,445 SH   SOLE   0 0 18,445
ISHARES TR PFD AND INCM SEC 464288687 37 950 SH   SOLE   0 0 950
PROCTER AND GAMBLE CO COM 742718109 1,096 6,700 SH   SOLE   0 0 6,700
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 36 2,400 SH   SOLE   0 0 2,400
PHILIP MORRIS INTL INC COM 718172109 1,116 11,743 SH   SOLE   0 0 11,743
PNC FINL SVCS GROUP INC COM 693475105 488 2,433 SH   SOLE   0 0 2,433
PPG INDS INC COM 693506107 1,925 11,161 SH   SOLE   0 0 11,161
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 107 900 SH   SOLE   0 0 900
INVESCO QQQ TR UNIT SER 1 46090E103 571 1,436 SH   SOLE   0 0 1,436
RIVIAN AUTOMOTIVE INC COM CL A 76954A103 314 3,030 SH   SOLE   0 0 3,030
COHEN & STEERS REIT & PFD & COM 19247X100 6 200 SH   SOLE   0 0 200
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 146 900 SH   SOLE   0 0 900
RAYTHEON TECHNOLOGIES CORP COM 75513E101 577 6,700 SH   SOLE   0 0 6,700
STARBUCKS CORP COM 855244109 177 1,510 SH   SOLE   0 0 1,510
SCHWAB CHARLES CORP COM 808513105 25 300 SH   SOLE   0 0 300
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 27 237 SH   SOLE   0 0 237
SILGAN HOLDINGS INC COM 827048109 7 155 SH   SOLE   0 0 155
DIREXION SHS ETF TR DLY SCOND 3XBU 25459W458 31 450 SH   SOLE   0 0 450
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,981 4,171 SH   SOLE   0 0 4,171
AT&T INC COM 00206R102 35 1,417 SH   SOLE   0 0 1,417
TRUIST FINL CORP COM 89832Q109 234 4,000 SH   SOLE   0 0 4,000
THERMO FISHER SCIENTIFIC INC COM 883556102 234 350 SH   SOLE   0 0 350
TESLA INC COM 88160R101 159 150 SH   SOLE   0 0 150
UNITEDHEALTH GROUP INC COM 91324P102 215 429 SH   SOLE   0 0 429
UNION PAC CORP COM 907818108 857 3,400 SH   SOLE   0 0 3,400
UNITED PARCEL SERVICE INC CL B 911312106 322 1,500 SH   SOLE   0 0 1,500
ISHARES TR CRE U S REIT ETF 464288521 35,204 520,343 SH   SOLE   67,799 0 452,544
VISA INC COM CL A 92826C839 1,235 5,700 SH   SOLE   0 0 5,700
VANGUARD INDEX FDS SMALL CP ETF 922908751 846 3,744 SH   SOLE   0 0 3,744
VANGUARD INDEX FDS SML CP GRW ETF 922908595 26 94 SH   SOLE   0 0 94
VANGUARD INDEX FDS SM CP VAL ETF 922908611 11 60 SH   SOLE   0 0 60
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 223 3,641 SH   SOLE   0 0 3,641
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 536 4,617 SH   SOLE   0 0 4,617
VANGUARD INDEX FDS MID CAP ETF 922908629 1,090 4,277 SH   SOLE   0 0 4,277
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 10 66 SH   SOLE   0 0 66
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 430 985 SH   SOLE   0 0 985
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 10 39 SH   SOLE   0 0 39
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 39 359 SH   SOLE   0 0 359
VANGUARD INDEX FDS VALUE ETF 922908744 183 1,241 SH   SOLE   0 0 1,241
VANGUARD INDEX FDS GROWTH ETF 922908736 235 733 SH   SOLE   0 0 733
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 257 5,190 SH   SOLE   0 0 5,190
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 2 12 SH   SOLE   0 0 12
VERIZON COMMUNICATIONS INC COM 92343V104 239 4,600 SH   SOLE   0 0 4,600
WORKHORSE GROUP INC COM NEW 98138J206 118 27,112 SH   SOLE   0 0 27,112
WALMART INC COM 931142103 521 3,600 SH   SOLE   0 0 3,600
EXXON MOBIL CORP COM 30231G102 942 15,400 SH   SOLE   0 0 15,400