Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
BND	VANGUARD BD INDEX FDS	605,186	$43.99M	11.2%	$83.49	—	TOTAL BND MRKT	921937835
VUG	VANGUARD INDEX FDS	150,517	$42.59M	10.8%	$276.58	—	GROWTH ETF	922908736
VTV	VANGUARD INDEX FDS	283,934	$40.35M	10.3%	$138.56	—	VALUE ETF	922908744
BNDX	VANGUARD CHARLOTTE FDS	752,579	$36.79M	9.4%	$56.53	—	TOTAL INT BD ETF	92203J407
VEA	VANGUARD TAX-MANAGED FDS	674,061	$31.13M	7.9%	$49.14	—	VAN FTSE DEV MKT	921943858
BSV	VANGUARD BD INDEX FDS	297,227	$22.46M	5.7%	$80.83	—	SHORT TRM BOND	921937827
VBR	VANGUARD INDEX FDS	86,102	$14.24M	3.6%	$172.04	—	SM CP VAL ETF	922908611
VBK	VANGUARD INDEX FDS	59,616	$13.7M	3.5%	$273.90	—	SML CP GRW ETF	922908595
VNQ	VANGUARD INDEX FDS	139,895	$11.69M	3.0%	$99.04	—	REAL ESTATE ETF	922908553
VTEB	VANGUARD MUN BD FDS	223,876	$11.24M	2.9%	$49.72	—	TAX EXEMPT BD	922907746
VWO	VANGUARD INTL EQUITY INDEX F	265,754	$10.81M	2.8%	$50.99	—	FTSE EMR MKT ETF	922042858
VSS	VANGUARD INTL EQUITY INDEX F	93,321	$10.31M	2.6%	$131.01	—	FTSE SMCAP ETF	922042718
SUB	ISHARES TR	79,268	$8.247M	2.1%	$104.16	—	SHRT NAT MUN ETF	464288158
SPDW	SPDR INDEX SHS FDS	236,894	$7.709M	2.0%	$33.77	—	PORTFOLIO DEVLPD	78463X889
VTI	VANGUARD INDEX FDS	33,713	$7.426M	1.9%	$211.02	—	TOTAL STK MKT	922908769
VOO	VANGUARD INDEX FDS	12,374	$5.04M	1.3%	$363.99	—	S&P 500 ETF SHS	922908363
VO	VANGUARD INDEX FDS	15,539	$3.421M	0.9%	$231.07	—	MID CAP ETF	922908629
SPAB	SPDR SER TR	118,622	$3.009M	0.8%	$25.38	—	PORTFOLIO AGRGTE	78464A649
SCZ	ISHARES TR	49,931	$2.945M	0.7%	$72.36	—	EAFE SML CP ETF	464288273
MUB	ISHARES TR	26,071	$2.783M	0.7%	$105.91	—	NATIONAL MUN ETF	464288414
VXF	VANGUARD INDEX FDS	18,450	$2.746M	0.7%	$161.38	—	EXTEND MKT ETF	922908652
SPYV	SPDR SER TR	61,877	$2.673M	0.7%	$39.58	—	PRTFLO S&P500 VL	78464A508
NSC	NORFOLK SOUTHN CORP	11,678	$2.648M	0.7%	$250.29	-20.0%	COM	655844108
VFMF	VANGUARD WELLINGTON FD	23,423	$2.434M	0.6%	$101.00	—	US MULTIFACTOR	921935607
BIV	VANGUARD BD INDEX FDS	32,034	$2.41M	0.6%	$89.94	—	INTERMED TERM	921937819
SPYG	SPDR SER TR	38,503	$2.349M	0.6%	$53.63	—	PRTFLO S&P500 GW	78464A409
VCIT	VANGUARD SCOTTSDALE FDS	29,213	$2.309M	0.6%	$87.24	—	INT-TERM CORP	92206C870
SPEM	SPDR INDEX SHS FDS	60,957	$2.096M	0.5%	$40.25	—	PORTFOLIO EMG MK	78463X509
IAGG	ISHARES TR	39,342	$1.939M	0.5%	$49.49	—	CORE INTL AGGR	46435G672
SLYV	SPDR SER TR	22,408	$1.73M	0.4%	$84.86	—	S&P 600 SMCP VAL	78464A300
SPTS	SPDR SER TR	56,630	$1.63M	0.4%	$28.92	—	PORTFOLIO SH TSR	78468R101
AAPL	APPLE INC	8,081	$1.567M	0.4%	$127.37	+35.1%	COM	037833100
VV	VANGUARD INDEX FDS	7,338	$1.488M	0.4%	$197.17	—	LARGE CAP ETF	922908637
LRGF	ISHARES TR	32,297	$1.439M	0.4%	$42.83	—	U S EQUITY FACTR	46434V282
XOM	EXXON MOBIL CORP	12,566	$1.348M	0.3%	$50.04	+99.1%	COM	30231G102
SLYG	SPDR SER TR	17,450	$1.343M	0.3%	$81.30	—	S&P 600 SMCP GRW	78464A201
VB	VANGUARD INDEX FDS	6,748	$1.342M	0.3%	$215.59	—	SMALL CP ETF	922908751
VNQI	VANGUARD INTL EQUITY INDEX F	33,170	$1.333M	0.3%	$58.36	—	GLB EX US ETF	922042676
VEU	VANGUARD INTL EQUITY INDEX F	23,975	$1.304M	0.3%	$58.88	—	ALLWRLD EX US	922042775
NKE	NIKE INC	10,387	$1.146M	0.3%	$125.67	-11.4%	CL B	654106103
EW	EDWARDS LIFESCIENCES CORP	11,584	$1.093M	0.3%	$94.26	-7.8%	COM	28176E108
IWF	ISHARES TR	3,870	$1.065M	0.3%	$260.62	—	RUS 1000 GRW ETF	464287614
FERG	FERGUSON ENTERPRISES INC	6,760	$1.063M	0.3%	$109.44	+24.3%	COMMON STOCK NEW	31488V107
VXUS	VANGUARD STAR FDS	18,487	$1.037M	0.3%	$55.44	—	VG TL INTL STK F	921909768
DFAT	DIMENSIONAL ETF TRUST	19,859	$921K	0.2%	$44.80	—	US TARGETED VLU	25434V609
AMZN	AMAZON COM INC	6,914	$901K	0.2%	$126.26	-9.6%	COM	023135106
STLD	STEEL DYNAMICS INC	8,086	$881K	0.2%	$54.68	+78.7%	COM	858119100
EMXC	ISHARES TR	16,705	$868K	0.2%	$49.67	—	MSCI EMRG CHN	46434G764
EFA	ISHARES TR	11,838	$858K	0.2%	$78.88	—	MSCI EAFE ETF	464287465
DFAC	DIMENSIONAL ETF TRUST	25,632	$696K	0.2%	$26.88	—	US CORE EQUITY 2	25434V708
DFAX	DIMENSIONAL ETF TRUST	29,720	$693K	0.2%	$25.88	—	WORLD EX US CORE	25434V880
IWD	ISHARES TR	4,149	$655K	0.2%	$154.64	—	RUS 1000 VAL ETF	464287598
—	HESS CORP	4,496	$611K	0.2%	$87.32	—	COM	42809H107
GE	GE AEROSPACE	5,449	$599K	0.2%	$64.46	+23.8%	COM NEW	369604301
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,617	$551K	0.1%	$295.71	+10.4%	CL B NEW	084670702
CSX	CSX CORP	16,116	$550K	0.1%	$30.96	-1.7%	COM	126408103
IVV	ISHARES TR	1,209	$539K	0.1%	$429.92	—	CORE S&P500 ETF	464287200
UDR	UDR INC	12,368	$531K	0.1%	$39.57	-6.7%	COM	902653104
LOW	LOWES COS INC	2,268	$512K	0.1%	$181.75	+8.8%	COM	548661107
MSFT	MICROSOFT CORP	1,389	$473K	0.1%	$249.00	+23.4%	COM	594918104
IEFA	ISHARES TR	6,844	$462K	0.1%	$60.13	—	CORE MSCI EAFE	46432F842
DHR	DANAHER CORPORATION	1,875	$450K	0.1%	$217.14	-3.9%	COM	235851102
NKSH	NATIONAL BANKSHARES INC VA COM	14,882	$434K	0.1%	$27.57	-6.6%	COM	634865109
IVW	ISHARES TR	5,900	$416K	0.1%	$72.73	—	S&P 500 GRWT ETF	464287309
CVS	CVS HEALTH CORP	6,014	$416K	0.1%	$70.48	-8.8%	COM	126650100
TFC	TRUIST FINL CORP	13,611	$413K	0.1%	$47.05	-42.7%	COM	89832Q109
JNJ	JOHNSON & JOHNSON	2,317	$383K	0.1%	$144.91	+2.7%	COM	478160104
PG	PROCTER AND GAMBLE CO	2,442	$371K	0.1%	$120.71	+17.1%	COM	742718109
CARE	CARTER BANKSHARES INC	24,088	$356K	0.1%	$14.79	-4.5%	COM NEW	146103106
IWS	ISHARES TR	3,238	$356K	0.1%	$113.78	—	RUS MDCP VAL ETF	464287473
MCD	MCDONALDS CORP	1,122	$335K	0.1%	$209.30	+30.5%	COM	580135101
IWP	ISHARES TR	3,407	$329K	0.1%	$109.25	—	RUS MD CP GR ETF	464287481
VTIP	VANGUARD MALVERN FDS	6,878	$326K	0.1%	$52.12	—	STRM INFPROIDX	922020805
TPL	TEXAS PACIFIC LAND CORPORATION	238	$313K	0.1%	$164.19	-5.4%	COM	88262P102
TSLA	TESLA INC	1,191	$312K	0.1%	$174.45	+14.6%	COM	88160R101
GOOG	ALPHABET INC	2,560	$310K	0.1%	$117.33	-2.1%	CAP STK CL C	02079K107
VOT	VANGUARD INDEX FDS	1,490	$307K	0.1%	$236.41	—	MCAP GR IDXVIP	922908538
IVE	ISHARES TR	1,862	$300K	0.1%	$147.96	—	S&P 500 VAL ETF	464287408
WMT	WALMART INC	1,791	$282K	0.1%	$43.83	+11.7%	COM	931142103
GOOGL	ALPHABET INC	2,300	$275K	0.1%	$116.80	-2.2%	CAP STK CL A	02079K305
SPY	SPDR S&P 500 ETF TR	612	$271K	0.1%	$404.00	—	TR UNIT	78462F103
IWR	ISHARES TR	3,650	$267K	0.1%	$77.09	—	RUS MID CAP ETF	464287499
PFE	PFIZER INC	7,011	$257K	0.1%	$30.99	+7.2%	COM	717081103
QQQ	INVESCO QQQ TR	685	$253K	0.1%	$320.88	—	UNIT SER 1	46090E103
UNP	UNION PAC CORP	1,200	$246K	0.1%	$200.38	-6.7%	COM	907818108
PM	PHILIP MORRIS INTL INC	2,515	$246K	0.1%	$76.50	+10.4%	COM	718172109
DFIV	DIMENSIONAL ETF TRUST	7,411	$243K	0.1%	$32.75	—	INTERNATNAL VAL	25434V807
EEM	ISHARES TR	5,881	$233K	0.1%	$55.15	—	MSCI EMG MKT ETF	464287234
IJR	ISHARES TR	2,289	$228K	0.1%	$112.99	—	CORE S&P SCP ETF	464287804
IWV	ISHARES TR	891	$227K	0.1%	$235.41	—	RUSSELL 3000 ETF	464287689
VGK	VANGUARD INTL EQUITY INDEX F	3,600	$222K	0.1%	$56.14	—	FTSE EUROPE ETF	922042874
IJH	ISHARES TR	822	$215K	0.1%	$261.39	—	CORE S&P MCP ETF	464287507
IEMG	ISHARES INC	4,171	$206K	0.1%	$48.79	—	CORE MSCI EMKT	46434G103
CAH	CARDINAL HEALTH INC	2,163	$205K	0.1%	$80.59	0.0%	COM	14149Y108