Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
BND	VANGUARD BD INDEX FDS	628,032	$43.82M	11.3%	$82.99	—	TOTAL BND MRKT	921937835
VUG	VANGUARD INDEX FDS	149,824	$40.8M	10.5%	$276.58	—	GROWTH ETF	922908736
VTV	VANGUARD INDEX FDS	285,464	$39.37M	10.1%	$138.56	—	VALUE ETF	922908744
BNDX	VANGUARD CHARLOTTE FDS	780,809	$37.35M	9.6%	$56.22	—	TOTAL INT BD ETF	92203J407
VEA	VANGUARD TAX-MANAGED FDS	698,221	$30.53M	7.9%	$48.95	—	VAN FTSE DEV MKT	921943858
BSV	VANGUARD BD INDEX FDS	324,809	$24.42M	6.3%	$80.35	—	SHORT TRM BOND	921937827
VBR	VANGUARD INDEX FDS	90,249	$14.39M	3.7%	$171.46	—	SM CP VAL ETF	922908611
VBK	VANGUARD INDEX FDS	62,774	$13.44M	3.5%	$270.90	—	SML CP GRW ETF	922908595
VTEB	VANGUARD MUN BD FDS	238,077	$11.45M	2.9%	$49.63	—	TAX EXEMPT BD	922907746
VNQ	VANGUARD INDEX FDS	146,275	$11.07M	2.8%	$98.02	—	REAL ESTATE ETF	922908553
VWO	VANGUARD INTL EQUITY INDEX F	269,074	$10.55M	2.7%	$50.85	—	FTSE EMR MKT ETF	922042858
VSS	VANGUARD INTL EQUITY INDEX F	97,327	$10.34M	2.7%	$129.99	—	FTSE SMCAP ETF	922042718
SUB	ISHARES TR	85,254	$8.769M	2.3%	$104.07	—	SHRT NAT MUN ETF	464288158
SPDW	SPDR INDEX SHS FDS	237,060	$7.351M	1.9%	$33.77	—	PORTFOLIO DEVLPD	78463X889
VTI	VANGUARD INDEX FDS	33,109	$7.033M	1.8%	$211.02	—	TOTAL STK MKT	922908769
VOO	VANGUARD INDEX FDS	12,361	$4.854M	1.2%	$363.99	—	S&P 500 ETF SHS	922908363
VO	VANGUARD INDEX FDS	15,557	$3.24M	0.8%	$231.07	—	MID CAP ETF	922908629
SCZ	ISHARES TR	50,606	$2.858M	0.7%	$72.15	—	EAFE SML CP ETF	464288273
MUB	ISHARES TR	27,219	$2.791M	0.7%	$105.77	—	NATIONAL MUN ETF	464288414
SPAB	SPDR SER TR	114,150	$2.778M	0.7%	$25.38	—	PORTFOLIO AGRGTE	78464A649
VXF	VANGUARD INDEX FDS	18,386	$2.635M	0.7%	$161.38	—	EXTEND MKT ETF	922908652
VCIT	VANGUARD SCOTTSDALE FDS	34,185	$2.597M	0.7%	$85.60	—	INT-TERM CORP	92206C870
SPYV	SPDR SER TR	61,023	$2.518M	0.6%	$39.58	—	PRTFLO S&P500 VL	78464A508
VFMF	VANGUARD WELLINGTON FD	23,368	$2.413M	0.6%	$101.00	—	US MULTIFACTOR	921935607
BIV	VANGUARD BD INDEX FDS	32,085	$2.32M	0.6%	$89.94	—	INTERMED TERM	921937819
NSC	NORFOLK SOUTHN CORP	11,678	$2.3M	0.6%	$250.29	-18.1%	COM	655844108
SPYG	SPDR SER TR	37,518	$2.224M	0.6%	$53.63	—	PRTFLO S&P500 GW	78464A409
SPEM	SPDR INDEX SHS FDS	60,957	$2.046M	0.5%	$40.25	—	PORTFOLIO EMG MK	78463X509
IAGG	ISHARES TR	39,241	$1.914M	0.5%	$49.49	—	CORE INTL AGGR	46435G672
SPTS	SPDR SER TR	56,929	$1.635M	0.4%	$28.92	—	PORTFOLIO SH TSR	78468R101
SLYV	SPDR SER TR	22,129	$1.602M	0.4%	$84.86	—	S&P 600 SMCP VAL	78464A300
XOM	EXXON MOBIL CORP	12,566	$1.478M	0.4%	$50.04	+101.9%	COM	30231G102
VV	VANGUARD INDEX FDS	7,355	$1.439M	0.4%	$197.17	—	LARGE CAP ETF	922908637
AAPL	APPLE INC	8,333	$1.427M	0.4%	$129.01	+40.5%	COM	037833100
LRGF	ISHARES TR	30,925	$1.34M	0.3%	$42.83	—	U S EQUITY FACTR	46434V282
VNQI	VANGUARD INTL EQUITY INDEX F	33,170	$1.291M	0.3%	$58.36	—	GLB EX US ETF	922042676
VB	VANGUARD INDEX FDS	6,758	$1.278M	0.3%	$215.59	—	SMALL CP ETF	922908751
SLYG	SPDR SER TR	17,118	$1.254M	0.3%	$81.30	—	S&P 600 SMCP GRW	78464A201
VEU	VANGUARD INTL EQUITY INDEX F	23,047	$1.195M	0.3%	$58.88	—	ALLWRLD EX US	922042775
FERG	FERGUSON ENTERPRISES INC	6,760	$1.112M	0.3%	$109.44	+38.4%	COMMON STOCK NEW	31488V107
IWF	ISHARES TR	3,840	$1.021M	0.3%	$260.62	—	RUS 1000 GRW ETF	464287614
NKE	NIKE INC	10,387	$993K	0.3%	$125.67	-21.8%	CL B	654106103
EMXC	ISHARES TR	19,264	$960K	0.2%	$49.69	—	MSCI EMRG CHN	46434G764
VXUS	VANGUARD STAR FDS	17,477	$935K	0.2%	$55.44	—	VG TL INTL STK F	921909768
STLD	STEEL DYNAMICS INC	8,086	$867K	0.2%	$54.68	+83.6%	COM	858119100
DFAT	DIMENSIONAL ETF TRUST	18,788	$858K	0.2%	$44.80	—	US TARGETED VLU	25434V609
AMZN	AMAZON COM INC	6,477	$823K	0.2%	$126.26	+6.1%	COM	023135106
EW	EDWARDS LIFESCIENCES CORP	11,584	$803K	0.2%	$94.26	-14.7%	COM	28176E108
EFA	ISHARES TR	11,132	$767K	0.2%	$78.88	—	MSCI EAFE ETF	464287465
—	HESS CORP	4,496	$688K	0.2%	$87.32	—	COM	42809H107
DFAX	DIMENSIONAL ETF TRUST	29,880	$673K	0.2%	$25.88	—	WORLD EX US CORE	25434V880
IWD	ISHARES TR	4,149	$630K	0.2%	$154.64	—	RUS 1000 VAL ETF	464287598
GE	GE AEROSPACE	5,451	$603K	0.2%	$64.46	+37.6%	COM NEW	369604301
DFAC	DIMENSIONAL ETF TRUST	21,397	$561K	0.1%	$26.88	—	US CORE EQUITY 2	25434V708
IVV	ISHARES TR	1,209	$519K	0.1%	$429.92	—	CORE S&P500 ETF	464287200
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,467	$514K	0.1%	$295.71	+20.0%	CL B NEW	084670702
LOW	LOWES COS INC	2,448	$509K	0.1%	$184.19	+16.7%	COM	548661107
CSX	CSX CORP	16,116	$496K	0.1%	$30.96	-1.2%	COM	126408103
MSFT	MICROSOFT CORP	1,538	$486K	0.1%	$256.33	+26.6%	COM	594918104
DHR	DANAHER CORPORATION	1,875	$465K	0.1%	$217.14	+1.4%	COM	235851102
UDR	UDR INC	12,368	$441K	0.1%	$39.57	-8.7%	COM	902653104
IEFA	ISHARES TR	6,844	$440K	0.1%	$60.13	—	CORE MSCI EAFE	46432F842
CVS	CVS HEALTH CORP	6,256	$437K	0.1%	$70.25	-8.1%	COM	126650100
TPL	TEXAS PACIFIC LAND CORPORATION	238	$434K	0.1%	$164.19	+11.6%	COM	88262P102
MCD	MCDONALDS CORP	1,587	$418K	0.1%	$226.94	+18.8%	COM	580135101
IVW	ISHARES TR	5,697	$390K	0.1%	$72.73	—	S&P 500 GRWT ETF	464287309
TFC	TRUIST FINL CORP	13,611	$389K	0.1%	$47.05	-42.3%	COM	89832Q109
PG	PROCTER AND GAMBLE CO	2,642	$385K	0.1%	$122.48	+17.7%	COM	742718109
NKSH	NATIONAL BANKSHARES INC VA COM	14,882	$373K	0.1%	$27.57	-11.9%	COM	634865109
JNJ	JOHNSON & JOHNSON	2,317	$361K	0.1%	$144.91	+5.8%	COM	478160104
CVX	CHEVRON CORP	2,124	$358K	0.1%	$145.76	0.0%	COM	166764100
WMT	WALMART INC	2,191	$350K	0.1%	$45.29	+14.4%	COM	931142103
IWS	ISHARES TR	3,238	$338K	0.1%	$113.78	—	RUS MDCP VAL ETF	464287473
GOOG	ALPHABET INC	2,560	$338K	0.1%	$117.33	+10.0%	CAP STK CL C	02079K107
GOOGL	ALPHABET INC	2,551	$334K	0.1%	$117.94	+8.9%	CAP STK CL A	02079K305
VTIP	VANGUARD MALVERN FDS	6,929	$328K	0.1%	$52.12	—	STRM INFPROIDX	922020805
IWP	ISHARES TR	3,403	$311K	0.1%	$109.25	—	RUS MD CP GR ETF	464287481
CARE	CARTER BANKSHARES INC	24,088	$302K	0.1%	$14.79	-2.9%	COM NEW	146103106
TSLA	TESLA INC	1,191	$298K	0.1%	$174.45	+47.3%	COM	88160R101
VOT	VANGUARD INDEX FDS	1,491	$290K	0.1%	$236.41	—	MCAP GR IDXVIP	922908538
IVE	ISHARES TR	1,850	$285K	0.1%	$147.96	—	S&P 500 VAL ETF	464287408
MDLZ	MONDELEZ INTL INC	3,835	$266K	0.1%	$67.21	0.0%	CL A	609207105
PFE	PFIZER INC	7,937	$263K	0.1%	$30.94	-1.2%	COM	717081103
SPY	SPDR S&P 500 ETF TR	613	$262K	0.1%	$404.00	—	TR UNIT	78462F103
IWR	ISHARES TR	3,650	$253K	0.1%	$77.09	—	RUS MID CAP ETF	464287499
QQQ	INVESCO QQQ TR	685	$246K	0.1%	$320.88	—	UNIT SER 1	46090E103
UNP	UNION PAC CORP	1,200	$244K	0.1%	$200.38	+2.9%	COM	907818108
DFIV	DIMENSIONAL ETF TRUST	7,432	$242K	0.1%	$32.75	—	INTERNATNAL VAL	25434V807
PEP	PEPSICO INC	1,399	$237K	0.1%	$167.15	0.0%	COM	713448108
PM	PHILIP MORRIS INTL INC	2,515	$233K	0.1%	$76.50	+12.6%	COM	718172109
EEM	ISHARES TR	5,881	$223K	0.1%	$55.15	—	MSCI EMG MKT ETF	464287234
IWV	ISHARES TR	891	$218K	0.1%	$235.41	—	RUSSELL 3000 ETF	464287689
IJR	ISHARES TR	2,223	$210K	0.1%	$112.99	—	CORE S&P SCP ETF	464287804
VGK	VANGUARD INTL EQUITY INDEX F	3,601	$209K	0.1%	$56.14	—	FTSE EUROPE ETF	922042874
IJH	ISHARES TR	822	$205K	0.1%	$261.39	—	CORE S&P MCP ETF	464287507
UNH	UNITEDHEALTH GROUP INC	400	$202K	0.1%	$469.94	0.0%	COM	91324P102