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 S&P 500 ETF ETF 922908363   32,793,663 83,192 SH   SOLE   83,192 0 0
Vanguard Small Cap ETF ETF 922908751   16,451,500 87,013 SH   SOLE   87,013 0 0
Apple Inc Common Stock 037833100   7,740,140 45,208 SH   SOLE   45,208 0 0
Nvidia Corp Common Stock 67066G104   6,059,411 13,930 SH   SOLE   13,930 0 0
Berkshire Hathaway Class B Common Stock 084670702   5,695,878 16,260 SH   SOLE   16,260 0 0
Alphabet Inc. Class C Common Stock 02079K107   4,607,235 34,943 SH   SOLE   34,943 0 0
McKesson Corp Common Stock 58155Q103   3,901,991 8,960 SH   SOLE   8,960 0 0
Arch Cap Group LTD F Common Stock G0450A105   3,523,979 44,210 SH   SOLE   44,210 0 0
Merck & Co. Inc. Common Stock 58933Y105   3,471,550 33,485 SH   SOLE   33,485 0 0
Cisco Systems Common Stock 17275R102   3,447,184 64,122 SH   SOLE   64,122 0 0
Microsoft Common Stock 594918104   3,400,713 10,770 SH   SOLE   10,770 0 0
NVR Inc. Common Stock 62944T105   3,369,265 565 SH   SOLE   565 0 0
Vanguard Small Cap Value ETF ETF 922908611   3,066,674 19,228 SH   SOLE   19,228 0 0
Procter & Gamble Common Stock 742718109   2,760,097 18,923 SH   SOLE   18,923 0 0
CIGNA Corp Common Stock 125523100   2,665,314 9,317 SH   SOLE   9,317 0 0
Applied Energetics Common Stock 03819M106   2,635,920 1,062,871 SH   SOLE   1,062,871 0 0
ExxonMobil Common Stock 30231G102   2,620,136 22,284 SH   SOLE   22,284 0 0
Comcast Corp Class A Common Stock 20030N101   2,582,439 58,242 SH   SOLE   58,242 0 0
JPMorgan Chase Common Stock 46625H100   2,488,543 17,160 SH   SOLE   17,160 0 0
PNC Financial Services Common Stock 693475105   2,484,251 20,235 SH   SOLE   20,235 0 0
Altria Group Inc Common Stock 02209S103   2,380,733 55,367 SH   SOLE   55,367 0 0
Johnson & Johnson Common Stock 478160104   2,331,834 14,972 SH   SOLE   14,972 0 0
iShares Russell 2000 ETF ETF 464287655   2,327,573 13,108 SH   SOLE   13,108 0 0
Check PT Software F Common Stock M22465104   2,315,873 17,376 SH   SOLE   17,376 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   2,283,074 35,479 SH   SOLE   35,479 0 0
Williams Cos Inc Common Stock 969457100   2,261,744 67,134 SH   SOLE   67,134 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858   2,258,619 51,661 SH   SOLE   51,661 0 0
Philip Morris Intl Common Stock 718172109   2,239,160 23,873 SH   SOLE   23,873 0 0
Broadcom Inc Common Stock 11135F101   2,122,132 2,555 SH   SOLE   2,555 0 0
Progressive Co. Common Stock 743315103   2,064,572 14,821 SH   SOLE   14,821 0 0
Vertex Pharmaceutical Common Stock 92532F100   2,062,446 5,931 SH   SOLE   5,931 0 0
Charles Schwab Corp Common Stock 808513105   2,058,970 37,504 SH   SOLE   37,504 0 0
Vanguard FTSE All World Ex US ETF ETF 922042775   1,854,249 35,748 SH   SOLE   35,748 0 0
Verizon Common Stock 92343V104   1,740,158 53,692 SH   SOLE   53,692 0 0
Dominion Energy Inc Common Stock 25746U109   1,657,876 37,114 SH   SOLE   37,114 0 0
Dropbox Inc Class A Common Stock 26210C104   1,621,819 59,560 SH   SOLE   59,560 0 0
Steel Dynamics Inc Common Stock 858119100   1,598,306 14,848 SH   SOLE   14,848 0 0
Wells Fargo & Co Common Stock 949746101   1,556,364 38,090 SH   SOLE   38,090 0 0
Baker Hughes Co. Class A Common Stock 05722G100   1,535,781 43,482 SH   SOLE   43,482 0 0
JPMorgan Betabuild Interl Eqy ETF ETF 46641Q373   1,393,206 26,741 SH   SOLE   26,741 0 0
Pfizer Common Stock 717081103   1,315,841 39,670 SH   SOLE   39,670 0 0
Bristol-Myers Squibb Common Stock 110122108   1,294,905 22,311 SH   SOLE   22,311 0 0
Target Corp Common Stock 87612E106   1,279,870 11,575 SH   SOLE   11,575 0 0
Expeditors International of Washington Common Stock 302130109   1,245,226 10,863 SH   SOLE   10,863 0 0
Raytheon Technologies Co Common Stock 75513E101   978,720 13,599 SH   SOLE   13,599 0 0
Bank Of America Corp Common Stock 060505104   938,532 34,278 SH   SOLE   34,278 0 0
iShares S&P Small Cap 600 ETF ETF 464287879   931,174 10,376 SH   SOLE   10,376 0 0
Vanguard Russell 1000 Growth ETF ETF 92206C680   921,202 13,460 SH   SOLE   13,460 0 0
iShares MSCI USA Min Vol FCTR ETF ETF 46429B697   766,318 10,459 SH   SOLE   10,459 0 0
Vistra Energy Corp Common Stock 92840M102   752,954 22,693 SH   SOLE   22,693 0 0
Mondelez Intl Class A Common Stock 609207105   750,082 10,742 SH   SOLE   10,742 0 0
iShares Core MSCI Emerging ETF ETF 46434G103   718,752 15,103 SH   SOLE   15,103 0 0
RGC Resources Inc Common Stock 74955L103   582,699 33,682 SH   SOLE   33,682 0 0
EQT Corp Common Stock 26884L109   433,232 10,676 SH   SOLE   10,676 0 0
CSX Corp Common Stock 126408103   381,669 12,412 SH   SOLE   12,412 0 0
JPMorgan Activebld Emrg MRKT Eqy ETF ETF 46641Q266   352,655 10,213 SH   SOLE   10,213 0 0
Nintendo LTD F Sponsored ADR Common Stock 654445303   320,467 30,963 SH   SOLE   30,963 0 0