Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
BND	VANGUARD BD INDEX FDS	578,866	$42.74M	11.2%	$83.99	—	TOTAL BND MRKT	921937835
VTV	VANGUARD INDEX FDS	287,216	$39.67M	10.4%	$138.56	—	VALUE ETF	922908744
VUG	VANGUARD INDEX FDS	151,039	$37.68M	9.9%	$276.58	—	GROWTH ETF	922908736
BNDX	VANGUARD CHARLOTTE FDS	755,175	$36.94M	9.7%	$56.53	—	TOTAL INT BD ETF	92203J407
VEA	VANGUARD TAX-MANAGED FDS	656,683	$29.66M	7.8%	$49.22	—	VAN FTSE DEV MKT	921943858
BSV	VANGUARD BD INDEX FDS	294,063	$22.49M	5.9%	$80.89	—	SHORT TRM BOND	921937827
VBR	VANGUARD INDEX FDS	87,130	$13.83M	3.6%	$172.04	—	SM CP VAL ETF	922908611
VBK	VANGUARD INDEX FDS	60,168	$13.02M	3.4%	$273.90	—	SML CP GRW ETF	922908595
VNQ	VANGUARD INDEX FDS	141,821	$11.78M	3.1%	$99.04	—	REAL ESTATE ETF	922908553
VWO	VANGUARD INTL EQUITY INDEX F	285,313	$11.53M	3.0%	$50.99	—	FTSE EMR MKT ETF	922042858
VSS	VANGUARD INTL EQUITY INDEX F	94,343	$10.31M	2.7%	$131.01	—	FTSE SMCAP ETF	922042718
VTEB	VANGUARD MUN BD FDS	201,566	$10.21M	2.7%	$49.67	—	TAX EXEMPT BD	922907746
SPDW	SPDR INDEX SHS FDS	235,734	$7.572M	2.0%	$33.77	—	PORTFOLIO DEVLPD	78463X889
SUB	ISHARES TR	70,300	$7.359M	1.9%	$104.18	—	SHRT NAT MUN ETF	464288158
VTI	VANGUARD INDEX FDS	34,071	$6.954M	1.8%	$211.02	—	TOTAL STK MKT	922908769
VOO	VANGUARD INDEX FDS	13,214	$4.969M	1.3%	$363.99	—	S&P 500 ETF SHS	922908363
VO	VANGUARD INDEX FDS	15,520	$3.274M	0.9%	$231.07	—	MID CAP ETF	922908629
SCZ	ISHARES TR	50,643	$3.014M	0.8%	$72.36	—	EAFE SML CP ETF	464288273
MUB	ISHARES TR	27,495	$2.962M	0.8%	$105.91	—	NATIONAL MUN ETF	464288414
BIV	VANGUARD BD INDEX FDS	37,356	$2.867M	0.8%	$89.94	—	INTERMED TERM	921937819
SPAB	SPDR SER TR	109,819	$2.832M	0.7%	$25.38	—	PORTFOLIO AGRGTE	78464A649
VXF	VANGUARD INDEX FDS	18,462	$2.588M	0.7%	$161.38	—	EXTEND MKT ETF	922908652
SPYV	SPDR SER TR	61,941	$2.522M	0.7%	$39.58	—	PRTFLO S&P500 VL	78464A508
NSC	NORFOLK SOUTHN CORP	11,678	$2.476M	0.7%	$250.29	-13.4%	COM	655844108
VFMF	VANGUARD WELLINGTON FD	24,045	$2.383M	0.6%	$101.00	—	US MULTIFACTOR	921935607
SPYG	SPDR SER TR	41,800	$2.314M	0.6%	$53.63	—	PRTFLO S&P500 GW	78464A409
VCIT	VANGUARD SCOTTSDALE FDS	25,826	$2.072M	0.5%	$88.31	—	INT-TERM CORP	92206C870
SPEM	SPDR INDEX SHS FDS	60,027	$2.049M	0.5%	$40.34	—	PORTFOLIO EMG MK	78463X509
SLYV	SPDR SER TR	26,083	$1.987M	0.5%	$84.86	—	S&P 600 SMCP VAL	78464A300
IAGG	ISHARES TR	40,509	$1.983M	0.5%	$49.49	—	CORE INTL AGGR	46435G672
SPTS	SPDR SER TR	59,151	$1.729M	0.5%	$28.92	—	PORTFOLIO SH TSR	78468R101
VNQI	VANGUARD INTL EQUITY INDEX F	33,977	$1.378M	0.4%	$58.36	—	GLB EX US ETF	922042676
XOM	EXXON MOBIL CORP	12,566	$1.378M	0.4%	$50.04	+100.2%	COM	30231G102
VV	VANGUARD INDEX FDS	7,322	$1.368M	0.4%	$197.17	—	LARGE CAP ETF	922908637
LRGF	ISHARES TR	32,443	$1.344M	0.4%	$42.83	—	U S EQUITY FACTR	46434V282
AAPL	APPLE INC	8,024	$1.323M	0.3%	$127.37	+14.2%	COM	037833100
VEU	VANGUARD INTL EQUITY INDEX F	24,442	$1.307M	0.3%	$58.88	—	ALLWRLD EX US	922042775
VB	VANGUARD INDEX FDS	6,738	$1.277M	0.3%	$215.59	—	SMALL CP ETF	922908751
NKE	NIKE INC	10,387	$1.274M	0.3%	$125.67	-7.1%	CL B	654106103
SLYG	SPDR SER TR	17,249	$1.272M	0.3%	$81.35	—	S&P 600 SMCP GRW	78464A201
VXUS	VANGUARD STAR FDS	22,196	$1.225M	0.3%	$55.44	—	VG TL INTL STK F	921909768
EW	EDWARDS LIFESCIENCES CORP	11,584	$958K	0.3%	$94.26	-16.6%	COM	28176E108
IWF	ISHARES TR	3,870	$946K	0.2%	$260.62	—	RUS 1000 GRW ETF	464287614
STLD	STEEL DYNAMICS INC	8,231	$931K	0.2%	$54.68	+103.4%	COM	858119100
FERG	FERGUSON ENTERPRISES INC	6,760	$904K	0.2%	$109.44	+20.6%	COMMON STOCK NEW	31488V107
DFAT	DIMENSIONAL ETF TRUST	19,814	$882K	0.2%	$44.80	—	US TARGETED VLU	25434V609
EFA	ISHARES TR	11,808	$845K	0.2%	$78.88	—	MSCI EAFE ETF	464287465
TFC	TRUIST FINL CORP	23,540	$803K	0.2%	$47.05	-20.7%	COM	89832Q109
AMZN	AMAZON COM INC	6,914	$714K	0.2%	$126.26	-23.5%	COM	023135106
UDR	UDR INC	16,829	$691K	0.2%	$39.57	-7.2%	COM	902653104
DFAX	DIMENSIONAL ETF TRUST	29,500	$680K	0.2%	$25.88	—	WORLD EX US CORE	25434V880
DFAC	DIMENSIONAL ETF TRUST	25,572	$652K	0.2%	$26.88	—	US CORE EQUITY 2	25434V708
IWD	ISHARES TR	4,149	$632K	0.2%	$154.64	—	RUS 1000 VAL ETF	464287598
—	HESS CORP	4,496	$595K	0.2%	$87.32	—	COM	42809H107
EMXC	ISHARES TR	10,990	$542K	0.1%	$48.47	—	MSCI EMRG CHN	46434G764
GE	GE AEROSPACE	5,447	$521K	0.1%	$64.46	+2.3%	COM NEW	369604301
IVV	ISHARES TR	1,205	$495K	0.1%	$429.92	—	CORE S&P500 ETF	464287200
CSX	CSX CORP	16,116	$483K	0.1%	$30.96	-4.8%	COM	126408103
DHR	DANAHER CORPORATION	1,875	$473K	0.1%	$217.14	+3.2%	COM	235851102
LOW	LOWES COS INC	2,268	$453K	0.1%	$181.75	+5.7%	COM	548661107
IEFA	ISHARES TR	6,764	$452K	0.1%	$60.04	—	CORE MSCI EAFE	46432F842
CVS	CVS HEALTH CORP	6,014	$447K	0.1%	$70.48	+6.7%	COM	126650100
NKSH	NATIONAL BANKSHARES INC VA COM	13,582	$427K	0.1%	$27.75	+21.3%	COM	634865109
TPL	TEXAS PACIFIC LAND CORPORATION	238	$405K	0.1%	$164.19	+22.6%	COM	88262P102
IVW	ISHARES TR	6,159	$394K	0.1%	$72.73	—	S&P 500 GRWT ETF	464287309
MSFT	MICROSOFT CORP	1,306	$377K	0.1%	$245.31	+1.7%	COM	594918104
CARE	CARTER BANKSHARES INC	26,018	$364K	0.1%	$14.79	+9.0%	COM NEW	146103106
PG	PROCTER AND GAMBLE CO	2,440	$363K	0.1%	$120.71	+10.3%	COM	742718109
JNJ	JOHNSON & JOHNSON	2,316	$359K	0.1%	$144.91	+2.1%	COM	478160104
IWS	ISHARES TR	3,238	$344K	0.1%	$113.78	—	RUS MDCP VAL ETF	464287473
VTIP	VANGUARD MALVERN FDS	6,874	$329K	0.1%	$52.12	—	STRM INFPROIDX	922020805
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,057	$326K	0.1%	$279.47	+10.3%	CL B NEW	084670702
MCD	MCDONALDS CORP	1,122	$314K	0.1%	$209.30	+19.7%	COM	580135101
IWP	ISHARES TR	3,407	$310K	0.1%	$109.25	—	RUS MD CP GR ETF	464287481
VOT	VANGUARD INDEX FDS	1,489	$290K	0.1%	$236.41	—	MCAP GR IDXVIP	922908538
PFE	PFIZER INC	7,011	$286K	0.1%	$30.99	+17.9%	COM	717081103
PM	PHILIP MORRIS INTL INC	2,890	$281K	0.1%	$76.50	+13.7%	COM	718172109
IVE	ISHARES TR	1,820	$276K	0.1%	$147.66	—	S&P 500 VAL ETF	464287408
GOOG	ALPHABET INC	2,560	$266K	0.1%	$117.33	-18.3%	CAP STK CL C	02079K107
WMT	WALMART INC	1,791	$264K	0.1%	$43.83	+4.5%	COM	931142103
DFIV	DIMENSIONAL ETF TRUST	7,913	$255K	0.1%	$32.75	—	INTERNATNAL VAL	25434V807
IWR	ISHARES TR	3,642	$255K	0.1%	$77.09	—	RUS MID CAP ETF	464287499
SPY	SPDR S&P 500 ETF TR	611	$250K	0.1%	$404.00	—	TR UNIT	78462F103
TSLA	TESLA INC	1,200	$249K	0.1%	$174.45	0.0%	COM	88160R101
UNP	UNION PAC CORP	1,200	$242K	0.1%	$200.38	-5.5%	COM	907818108
GOOGL	ALPHABET INC	2,300	$239K	0.1%	$116.80	-18.5%	CAP STK CL A	02079K305
EEM	ISHARES TR	6,040	$238K	0.1%	$55.15	—	MSCI EMG MKT ETF	464287234
IJR	ISHARES TR	2,288	$221K	0.1%	$112.99	—	CORE S&P SCP ETF	464287804
QQQ	INVESCO QQQ TR	684	$219K	0.1%	$320.88	—	UNIT SER 1	46090E103
VGK	VANGUARD INTL EQUITY INDEX F	3,598	$219K	0.1%	$56.14	—	FTSE EUROPE ETF	922042874
IWV	ISHARES TR	891	$210K	0.1%	$235.41	—	RUSSELL 3000 ETF	464287689
IEMG	ISHARES INC	4,161	$203K	0.1%	$48.79	—	CORE MSCI EMKT	46434G103
VIOG	VANGUARD ADMIRAL FDS INC	2,113	$200K	0.1%	$94.75	—	SMLCP 600 GRTH	921932794