Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHB	SCHWAB STRATEGIC TR	1,194,348 (+4.1%)	$34.58M (+20.1%)	30.0%	$25.83	—	US BRD MKT ETF	808524102
VGT	VANGUARD WORLD FD	130,456 (+716.2%)	$15.6M (+39.7%)	13.5%	$196.20	—	INF TECH ETF	92204A702
IJR	ISHARES TR	56,354 (+2.2%)	$8.36M (+22.0%)	7.2%	$119.77	—	CORE S&P SCP ETF	464287804
VIG	VANGUARD SPECIALIZED FUNDS	33,328 (+2.4%)	$7.887M (+12.7%)	6.8%	$216.35	—	DIV APP ETF	921908844
GLD	SPDR GOLD TR	96,684 (+5.5%)	$7.867M (-9.7%)	6.8%	$95.98	—	GOLD SHS	78463V107
BEN	FRANKLIN RESOURCES INC	68,964 (+3.2%)	$2.295M (+45.3%)	2.0%	$23.26	—	COM	354613101
KLAC	KLA CORP	3,859 (+899.7%)	$1.164M (+105.1%)	1.0%	$364.59	—	COM NEW	482480100
VZ	VERIZON COMMUNICATIONS INC	50,590 (+3.2%)	$2.142M (-13.0%)	1.9%	$42.49	—	COM	92343V104
MO	ALTRIA GROUP INC	41,560 (+2.2%)	$2.99M (+11.4%)	2.6%	$61.69	—	COM	02209S103
AMZN	AMAZON COM INC	9,146 (+1.7%)	$2.176M (+16.3%)	1.9%	$226.60	—	COM	023135106
PFE	PFIZER INC	68,297 (+2.4%)	$1.645M (-12.2%)	1.4%	$24.61	—	COM	717081103
D	DOMINION ENERGY INC	24,158 (+3.0%)	$1.65M (+13.8%)	1.4%	$60.18	—	COM	25746U109
XLK	SELECT SECTOR SPDR TR	1,770 (+1.0%)	$338K (+45.0%)	0.3%	$143.24	—	ST STR TECHN ETF	81369Y803

Exited Positions (3)

VTI VANGUARD INDEX FDS 0.2%

Value $255K Shares 794 Est. Cost $328.09 Unrealized —

PFF ISHARES TR 0.2%

Value $231K Shares 7,608 Est. Cost $31.62 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.2%

Value $216K Shares 450 Est. Cost $497.53 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VTI	VANGUARD INDEX FDS	794	$255K	0.2%	$328.09	—	—	922908769
PFF	ISHARES TR	7,608	$231K	0.2%	$31.62	—	—	464288687
BRK/B	BERKSHIRE HATHAWAY INC DEL	450	$216K	0.2%	$497.53	—	—	084670702

Decreased Positions (7)

SCHA SCHWAB STRATEGIC TR 3.3%

Value $3.855M (+22.8%) Shares 106,705 (-1.2%) Est. Cost $27.90 Unrealized —

AAPL APPLE INC 2.6%

Value $2.973M (+7.2%) Shares 10,274 (-5.8%) Est. Cost $228.29 Unrealized —

SCHV SCHWAB STRATEGIC TR 1.1%

Value $1.318M (+11.6%) Shares 37,875 (-2.2%) Est. Cost $29.11 Unrealized —

T AT&T INC 0.2%

Value $235K (-30.5%) Shares 11,338 (-2.6%) Est. Cost $28.04 Unrealized —

IJH ISHARES TR 0.8%

Value $970K (+7.8%) Shares 12,582 (-5.5%) Est. Cost $65.27 Unrealized —

PG PROCTER & GAMBLE CO 0.4%

Value $500K (-11.5%) Shares 3,406 (-12.8%) Est. Cost $154.87 Unrealized —

UVV UNIVERSAL CORP VA MTNS BK EN 0.2%

Value $258K (-4.1%) Shares 4,945 (-3.1%) Est. Cost $55.25 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHA	SCHWAB STRATEGIC TR	106,705 (-1.2%)	$3.855M (+22.8%)	3.3%	$27.90	—	US SML CAP ETF	808524607
AAPL	APPLE INC	10,274 (-5.8%)	$2.973M (+7.2%)	2.6%	$228.29	—	COM	037833100
SCHV	SCHWAB STRATEGIC TR	37,875 (-2.2%)	$1.318M (+11.6%)	1.1%	$29.11	—	US LCAP VA ETF	808524409
T	AT&T INC	11,338 (-2.6%)	$235K (-30.5%)	0.2%	$28.04	—	COM	00206R102
IJH	ISHARES TR	12,582 (-5.5%)	$970K (+7.8%)	0.8%	$65.27	—	CORE S&P MCP ETF	464287507
PG	PROCTER & GAMBLE CO	3,406 (-12.8%)	$500K (-11.5%)	0.4%	$154.87	—	COM	742718109
UVV	UNIVERSAL CORP VA MTNS BK EN	4,945 (-3.1%)	$258K (-4.1%)	0.2%	$55.25	—	COM	913456109

Unchanged Positions (18)

SCHM SCHWAB STRATEGIC TR 3.2%

Value $3.699M Shares 100,330 Est. Cost $29.64 Unrealized —

SCHX SCHWAB STRATEGIC TR 3.8%

Value $4.424M Shares 150,324 Est. Cost $26.34 Unrealized —

ABBV ABBVIE INC 0.7%

Value $827K Shares 3,287 Est. Cost $201.95 Unrealized —

CVX CHEVRON CORPORATION 0.3%

Value $358K Shares 2,159 Est. Cost $152.28 Unrealized —

VYM VANGUARD WHITEHALL FDS 1.2%

Value $1.381M Shares 8,738 Est. Cost $140.95 Unrealized —

GOOG ALPHABET INC 0.3%

Value $365K Shares 1,033 Est. Cost $209.93 Unrealized —

SCHF SCHWAB STRATEGIC TR 0.5%

Value $554K Shares 19,988 Est. Cost $23.30 Unrealized —

LMT LOCKHEED MARTIN CORP 0.2%

Value $277K Shares 544 Est. Cost $448.15 Unrealized —

JPM JPMORGAN CHASE & CO 0.4%

Value $448K Shares 1,369 Est. Cost $299.30 Unrealized —

MCY MERCURY GENL CORP NEW 0.2%

Value $244K Shares 2,292 Est. Cost $86.75 Unrealized —

ORI OLD REP INTL CORP 0.8%

Value $883K Shares 21,568 Est. Cost $36.04 Unrealized —

WMT WALMART INC 0.3%

Value $307K Shares 2,715 Est. Cost $101.63 Unrealized —

DVY ISHARES TR 0.4%

Value $434K Shares 2,779 Est. Cost $141.99 Unrealized —

DUK DUKE ENERGY CORP NEW 0.4%

Value $500K Shares 3,953 Est. Cost $119.91 Unrealized —

JNJ JOHNSON & JOHNSON 0.2%

Value $226K Shares 890 Est. Cost $227.87 Unrealized —

PFXF VANECK ETF TRUST 0.2%

Value $287K Shares 16,110 Est. Cost $17.77 Unrealized —

XLU SELECT SECTOR SPDR TR 0.7%

Value $844K Shares 18,613 Est. Cost $64.80 Unrealized —

ED CONSOLIDATED EDISON INC 0.2%

Value $281K Shares 2,536 Est. Cost $99.12 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHM	SCHWAB STRATEGIC TR	100,330	$3.699M	3.2%	$29.64	—	US MID-CAP ETF	808524508
SCHX	SCHWAB STRATEGIC TR	150,324	$4.424M	3.8%	$26.34	—	US LRG CAP ETF	808524201
ABBV	ABBVIE INC	3,287	$827K	0.7%	$201.95	—	COM	00287Y109
CVX	CHEVRON CORPORATION	2,159	$358K	0.3%	$152.28	—	COM	166764100
VYM	VANGUARD WHITEHALL FDS	8,738	$1.381M	1.2%	$140.95	—	HIGH DIV YLD	921946406
GOOG	ALPHABET INC	1,033	$365K	0.3%	$209.93	—	CAP STK CL C	02079K107
SCHF	SCHWAB STRATEGIC TR	19,988	$554K	0.5%	$23.30	—	INTL EQTY ETF	808524805
LMT	LOCKHEED MARTIN CORP	544	$277K	0.2%	$448.15	—	COM	539830109
JPM	JPMORGAN CHASE & CO	1,369	$448K	0.4%	$299.30	—	COM	46625H100
MCY	MERCURY GENL CORP NEW	2,292	$244K	0.2%	$86.75	—	COM	589400100
ORI	OLD REP INTL CORP	21,568	$883K	0.8%	$36.04	—	COM	680223104
WMT	WALMART INC	2,715	$307K	0.3%	$101.63	—	COM	931142103
DVY	ISHARES TR	2,779	$434K	0.4%	$141.99	—	SELECT DIVID ETF	464287168
DUK	DUKE ENERGY CORP NEW	3,953	$500K	0.4%	$119.91	—	COM NEW	26441C204
JNJ	JOHNSON & JOHNSON	890	$226K	0.2%	$227.87	—	COM	478160104
PFXF	VANECK ETF TRUST	16,110	$287K	0.2%	$17.77	—	PREFERRED SECURT	92189F429
XLU	SELECT SECTOR SPDR TR	18,613	$844K	0.7%	$64.80	—	ST STR UTIL ETF	81369Y886
ED	CONSOLIDATED EDISON INC	2,536	$281K	0.2%	$99.12	—	COM	209115104