Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
ITOT	ISHARES TR	170,731	$21.45M	16.5%	$105.76	—	CORE S&P TTL STK	464287150
VTI	VANGUARD INDEX FDS	60,066	$17.01M	13.1%	$237.22	—	TOTAL STK MKT	922908769
IXUS	ISHARES TR	224,892	$16.33M	12.5%	$65.08	—	CORE MSCI TOTAL	46432F834
VXUS	VANGUARD STAR FDS	140,654	$9.106M	7.0%	$58.39	—	VG TL INTL STK F	921909768
XLK	SELECT SECTOR SPDR TR	40,282	$9.094M	7.0%	$192.48	—	TECHNOLOGY	81369Y803
VXF	VANGUARD INDEX FDS	26,093	$4.749M	3.6%	$165.02	—	EXTEND MKT ETF	922908652
VGT	VANGUARD WORLD FD	6,520	$3.824M	2.9%	$508.42	—	INF TECH ETF	92204A702
XLV	SELECT SECTOR SPDR TR	21,951	$3.381M	2.6%	$136.38	—	SBI HEALTHCARE	81369Y209
XLF	SELECT SECTOR SPDR TR	72,546	$3.288M	2.5%	$37.60	—	FINANCIAL	81369Y605
XLY	SELECT SECTOR SPDR TR	15,443	$3.094M	2.4%	$178.81	—	SBI CONS DISCR	81369Y407
XLI	SELECT SECTOR SPDR TR	21,071	$2.854M	2.2%	$113.99	—	INDL	81369Y704
VFH	VANGUARD WORLD FD	18,919	$2.079M	1.6%	$95.31	—	FINANCIALS ETF	92204A405
VHT	VANGUARD WORLD FD	7,296	$2.059M	1.6%	$256.25	—	HEALTH CAR ETF	92204A504
SPY	SPDR S&P 500 ETF TR	3,446	$1.977M	1.5%	$477.24	—	TR UNIT	78462F103
VUSB	VANGUARD BD INDEX FDS	39,072	$1.951M	1.5%	$49.44	—	VANGUARD ULTRA	92203C303
XLC	SELECT SECTOR SPDR TR	20,234	$1.829M	1.4%	$72.66	—	COMMUNICATION	81369Y852
VOX	VANGUARD WORLD FD	12,011	$1.746M	1.3%	$121.62	—	COMM SRVC ETF	92204A884
VOO	VANGUARD INDEX FDS	3,298	$1.74M	1.3%	$505.53	—	S&P 500 ETF SHS	922908363
VCR	VANGUARD WORLD FD	4,363	$1.486M	1.1%	$308.57	—	CONSUM DIS ETF	92204A108
XLP	SELECT SECTOR SPDR TR	17,778	$1.476M	1.1%	$72.03	—	SBI CONS STPLS	81369Y308
VIS	VANGUARD WORLD FD	4,585	$1.192M	0.9%	$227.82	—	INDUSTRIAL ETF	92204A603
VEU	VANGUARD INTL EQUITY INDEX F	18,556	$1.169M	0.9%	$56.14	—	ALLWRLD EX US	922042775
VV	VANGUARD INDEX FDS	4,407	$1.16M	0.9%	$218.15	—	LARGE CAP ETF	922908637
VDC	VANGUARD WORLD FD	5,087	$1.111M	0.9%	$194.24	—	CONSUM STP ETF	92204A207
VEA	VANGUARD TAX-MANAGED FDS	20,163	$1.065M	0.8%	$48.70	—	VAN FTSE DEV MKT	921943858
MSFT	MICROSOFT CORP	2,070	$891K	0.7%	$375.29	+12.7%	COM	594918104
MDY	SPDR S&P MIDCAP 400 ETF TR	1,463	$833K	0.6%	$514.44	—	UTSER1 S&PDCRP	78467Y107
AAPL	APPLE INC	3,476	$810K	0.6%	$184.20	+20.5%	COM	037833100
XLE	SELECT SECTOR SPDR TR	9,164	$805K	0.6%	$83.84	—	ENERGY	81369Y506
XLB	SELECT SECTOR SPDR TR	8,138	$784K	0.6%	$85.54	—	SBI MATERIALS	81369Y100
XLU	SELECT SECTOR SPDR TR	9,460	$764K	0.6%	$63.33	—	SBI INT-UTILS	81369Y886
FBND	FIDELITY MERRIMACK STR TR	15,227	$712K	0.5%	$46.04	—	TOTAL BD ETF	316188309
VDE	VANGUARD WORLD FD	5,262	$644K	0.5%	$120.66	—	ENERGY ETF	92204A306
XLRE	SELECT SECTOR SPDR TR	13,574	$606K	0.5%	$40.03	—	RL EST SEL SEC	81369Y860
IWF	ISHARES TR	1,499	$563K	0.4%	$364.40	—	RUS 1000 GRW ETF	464287614
VNQ	VANGUARD INDEX FDS	5,069	$494K	0.4%	$87.10	—	REAL ESTATE ETF	922908553
IEFA	ISHARES TR	6,148	$480K	0.4%	$70.35	—	CORE MSCI EAFE	46432F842
ESGU	ISHARES TR	3,730	$471K	0.4%	$104.92	—	ESG AWR MSCI USA	46435G425
DJP	BARCLAYS BANK PLC	13,936	$449K	0.3%	$30.71	—	DJUBS CMDT ETN36	06738C778
TRGP	TARGA RES CORP	2,963	$439K	0.3%	$82.03	+66.8%	COM	87612G101
BRK/B	BERKSHIRE HATHAWAY INC DEL	907	$417K	0.3%	$354.11	+24.9%	CL B NEW	084670702
VO	VANGUARD INDEX FDS	1,571	$414K	0.3%	$232.64	—	MID CAP ETF	922908629
VPU	VANGUARD WORLD FD	2,125	$370K	0.3%	$139.24	—	UTILITIES ETF	92204A876
VT	VANGUARD INTL EQUITY INDEX F	2,792	$334K	0.3%	$102.89	—	TT WRLD ST ETF	922042742
VAW	VANGUARD WORLD FD	1,560	$330K	0.3%	$191.90	—	MATERIALS ETF	92204A801
VZ	VERIZON COMMUNICATIONS INC	7,163	$322K	0.2%	$31.89	+20.4%	COM	92343V104
GOOG	ALPHABET INC	1,790	$299K	0.2%	$168.88	-0.4%	CAP STK CL C	02079K107
GOOGL	ALPHABET INC	1,700	$282K	0.2%	$167.35	-0.4%	CAP STK CL A	02079K305
NVO	NOVO-NORDISK A S	2,089	$249K	0.2%	$131.69	—	ADR	670100205
JPM	JPMORGAN CHASE & CO.	1,137	$240K	0.2%	$189.18	+8.3%	COM	46625H100
IEMG	ISHARES INC	3,980	$228K	0.2%	$53.72	—	CORE MSCI EMKT	46434G103
—	HESS CORP	1,599	$217K	0.2%	$147.52	—	COM	42809H107
CMCSA	COMCAST CORP NEW	5,123	$214K	0.2%	$37.12	+1.7%	CL A	20030N101
VTV	VANGUARD INDEX FDS	1,194	$208K	0.2%	$174.57	—	VALUE ETF	922908744
BOTJ	BANK OF THE JAMES FINL GP IN	12,727	$175K	0.1%	$9.71	+28.8%	COM	470299108