Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
BND	VANGUARD BD INDEX FDS	585,636	$42.02M	12.0%	$84.27	—	TOTAL BND MRKT	921937835
VTV	VANGUARD INDEX FDS	284,515	$40.51M	11.6%	$138.56	—	VALUE ETF	922908744
BNDX	VANGUARD CHARLOTTE FDS	777,860	$37.73M	10.8%	$56.53	—	TOTAL INT BD ETF	92203J407
VUG	VANGUARD INDEX FDS	155,980	$35.31M	10.1%	$277.00	—	GROWTH ETF	922908736
VEA	VANGUARD TAX-MANAGED FDS	663,016	$27.95M	8.0%	$49.31	—	VAN FTSE DEV MKT	921943858
BSV	VANGUARD BD INDEX FDS	266,009	$19.97M	5.7%	$81.42	—	SHORT TRM BOND	921937827
VBR	VANGUARD INDEX FDS	86,126	$14.22M	4.1%	$172.04	—	SM CP VAL ETF	922908611
VBK	VANGUARD INDEX FDS	60,626	$12.67M	3.6%	$274.56	—	SML CP GRW ETF	922908595
VNQ	VANGUARD INDEX FDS	138,420	$11.83M	3.4%	$99.44	—	REAL ESTATE ETF	922908553
VWO	VANGUARD INTL EQUITY INDEX F	301,002	$11.73M	3.4%	$50.99	—	FTSE EMR MKT ETF	922042858
VSS	VANGUARD INTL EQUITY INDEX F	93,694	$9.738M	2.8%	$131.01	—	FTSE SMCAP ETF	922042718
VTI	VANGUARD INDEX FDS	34,863	$6.917M	2.0%	$211.02	—	TOTAL STK MKT	922908769
SPDW	SPDR INDEX SHS FDS	186,587	$5.568M	1.6%	$34.84	—	PORTFOLIO DEVLPD	78463X889
VOO	VANGUARD INDEX FDS	13,349	$4.859M	1.4%	$363.99	—	S&P 500 ETF SHS	922908363
VTEB	VANGUARD MUN BD FDS	81,151	$3.994M	1.1%	$49.61	—	TAX EXEMPT BD	922907746
VO	VANGUARD INDEX FDS	15,478	$3.249M	0.9%	$231.07	—	MID CAP ETF	922908629
BIV	VANGUARD BD INDEX FDS	40,553	$3.017M	0.9%	$89.94	—	INTERMED TERM	921937819
NSC	NORFOLK SOUTHN CORP	11,686	$2.884M	0.8%	$250.29	-11.0%	COM	655844108
SCZ	ISHARES TR	49,304	$2.742M	0.8%	$72.79	—	EAFE SML CP ETF	464288273
VXF	VANGUARD INDEX FDS	19,111	$2.66M	0.8%	$161.38	—	EXTEND MKT ETF	922908652
SUB	ISHARES TR	25,428	$2.638M	0.8%	$103.86	—	SHRT NAT MUN ETF	464288158
VFMF	VANGUARD WELLINGTON FD	24,429	$2.503M	0.7%	$101.00	—	US MULTIFACTOR	921935607
SPYV	SPDR SER TR	58,165	$2.303M	0.7%	$39.62	—	PRTFLO S&P500 VL	78464A508
VCIT	VANGUARD SCOTTSDALE FDS	25,046	$1.941M	0.6%	$88.54	—	INT-TERM CORP	92206C870
SLYV	SPDR SER TR	24,204	$1.896M	0.5%	$85.71	—	S&P 600 SMCP VAL	78464A300
SPEM	SPDR INDEX SHS FDS	46,140	$1.525M	0.4%	$42.81	—	PORTFOLIO EMG MK	78463X509
VNQI	VANGUARD INTL EQUITY INDEX F	35,298	$1.453M	0.4%	$58.36	—	GLB EX US ETF	922042676
XOM	EXXON MOBIL CORP	12,566	$1.408M	0.4%	$50.04	+62.6%	COM	30231G102
VEU	VANGUARD INTL EQUITY INDEX F	26,585	$1.336M	0.4%	$58.88	—	ALLWRLD EX US	922042775
VV	VANGUARD INDEX FDS	7,248	$1.309M	0.4%	$197.17	—	LARGE CAP ETF	922908637
LRGF	ISHARES TR	32,311	$1.302M	0.4%	$42.83	—	U S EQUITY FACTR	46434V282
VB	VANGUARD INDEX FDS	6,732	$1.286M	0.4%	$215.59	—	SMALL CP ETF	922908751
AAPL	APPLE INC	7,926	$1.199M	0.3%	$127.20	+21.3%	COM	037833100
IAGG	ISHARES TR	24,111	$1.192M	0.3%	$50.66	—	CORE INTL AGGR	46435G672
VXUS	VANGUARD STAR FDS	22,262	$1.153M	0.3%	$55.44	—	VG TL INTL STK F	921909768
NKE	NIKE INC	10,387	$1.095M	0.3%	$125.67	-19.2%	CL B	654106103
TFC	TRUIST FINL CORP	23,558	$1.076M	0.3%	$47.05	-14.5%	COM	89832Q109
SPAB	SPDR SER TR	38,251	$960K	0.3%	$25.59	—	PORTFOLIO AGRGTE	78464A649
DFAT	DIMENSIONAL ETF TRUST	20,187	$924K	0.3%	$44.80	—	US TARGETED VLU	25434V609
IWF	ISHARES TR	3,870	$873K	0.2%	$260.62	—	RUS 1000 GRW ETF	464287614
EW	EDWARDS LIFESCIENCES CORP	11,584	$869K	0.2%	$94.26	+2.1%	COM	28176E108
STLD	STEEL DYNAMICS INC	8,231	$828K	0.2%	$54.68	+31.4%	COM	858119100
SLYG	SPDR SER TR	10,783	$822K	0.2%	$87.01	—	S&P 600 SMCP GRW	78464A201
EFA	ISHARES TR	11,802	$769K	0.2%	$78.88	—	MSCI EAFE ETF	464287465
—	HESS CORP	4,939	$711K	0.2%	$87.32	—	COM	42809H107
UDR	UDR INC	16,829	$677K	0.2%	$39.57	+1.0%	COM	902653104
TPL	TEXAS PACIFIC LAND CORPORATION	250	$676K	0.2%	$164.19	+13.1%	COM	88262P102
DFAC	DIMENSIONAL ETF TRUST	25,941	$652K	0.2%	$26.88	—	US CORE EQUITY 2	25434V708
SPYG	SPDR SER TR	12,157	$649K	0.2%	$62.36	—	PRTFLO S&P500 GW	78464A409
IWD	ISHARES TR	4,149	$642K	0.2%	$154.64	—	RUS 1000 VAL ETF	464287598
DFAX	DIMENSIONAL ETF TRUST	29,325	$630K	0.2%	$25.88	—	WORLD EX US CORE	25434V880
AMZN	AMAZON COM INC	6,678	$629K	0.2%	$127.23	-0.7%	COM	023135106
CVS	CVS HEALTH CORP	6,014	$585K	0.2%	$70.48	+24.3%	COM	126650100
CSX	CSX CORP	17,052	$527K	0.2%	$30.96	-4.4%	COM	126408103
NKSH	NATIONAL BANKSHARES INC VA COM	12,924	$500K	0.1%	$27.49	-2.4%	COM	634865109
DHR	DANAHER CORPORATION	1,875	$487K	0.1%	$217.14	+10.8%	COM	235851102
IVV	ISHARES TR	1,205	$479K	0.1%	$429.92	—	CORE S&P500 ETF	464287200
LOW	LOWES COS INC	2,268	$476K	0.1%	$181.75	+0.3%	COM	548661107
GE	GENERAL ELECTRIC CO	5,444	$465K	0.1%	$64.46	-33.0%	COM NEW	369604301
COF	CAPITAL ONE FINL CORP	4,395	$435K	0.1%	$138.68	-27.7%	COM	14040H105
JNJ	JOHNSON & JOHNSON	2,314	$408K	0.1%	$144.91	+5.5%	COM	478160104
IVW	ISHARES TR	6,432	$396K	0.1%	$72.73	—	S&P 500 GRWT ETF	464287309
IWS	ISHARES TR	3,238	$351K	0.1%	$113.78	—	RUS MDCP VAL ETF	464287473
IWR	ISHARES TR	5,012	$348K	0.1%	$77.09	—	RUS MID CAP ETF	464287499
PG	PROCTER AND GAMBLE CO	2,437	$347K	0.1%	$120.71	+8.2%	COM	742718109
CARE	CARTER BANKSHARES INC	18,705	$343K	0.1%	$14.27	+9.5%	COM NEW	146103106
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,102	$342K	0.1%	$279.47	+1.8%	CL B NEW	084670702
PFE	PFIZER INC	7,011	$338K	0.1%	$30.99	+30.4%	COM	717081103
VTIP	VANGUARD MALVERN FDS	6,713	$320K	0.1%	$52.25	—	STRM INFPROIDX	922020805
IWP	ISHARES TR	3,646	$315K	0.1%	$109.25	—	RUS MD CP GR ETF	464287481
MSFT	MICROSOFT CORP	1,306	$315K	0.1%	$245.31	+4.7%	COM	594918104
MCD	MCDONALDS CORP	1,122	$307K	0.1%	$209.30	+12.9%	COM	580135101
SPY	SPDR S&P 500 ETF TR	752	$298K	0.1%	$404.00	—	TR UNIT	78462F103
IEFA	ISHARES TR	4,826	$295K	0.1%	$58.98	—	CORE MSCI EAFE	46432F842
D	DOMINION ENERGY INC	4,851	$287K	0.1%	$62.68	+9.0%	COM	25746U109
PM	PHILIP MORRIS INTL INC	2,928	$282K	0.1%	$76.50	+5.8%	COM	718172109
VOT	VANGUARD INDEX FDS	1,485	$276K	0.1%	$236.41	—	MCAP GR IDXVIP	922908538
UNP	UNION PAC CORP	1,300	$274K	0.1%	$200.38	+1.9%	COM	907818108
WMT	WALMART INC	1,815	$273K	0.1%	$43.83	-4.2%	COM	931142103
IVE	ISHARES TR	1,813	$268K	0.1%	$147.66	—	S&P 500 VAL ETF	464287408
GOOG	ALPHABET INC	2,700	$264K	0.1%	$117.33	-5.5%	CAP STK CL C	02079K107
GOOGL	ALPHABET INC	2,440	$238K	0.1%	$116.80	-5.8%	CAP STK CL A	02079K305
DFIV	DIMENSIONAL ETF TRUST	7,879	$237K	0.1%	$32.75	—	INTERNATNAL VAL	25434V807
EEM	ISHARES TR	6,040	$230K	0.1%	$55.15	—	MSCI EMG MKT ETF	464287234
IJR	ISHARES TR	2,285	$228K	0.1%	$112.99	—	CORE S&P SCP ETF	464287804
UNH	UNITEDHEALTH GROUP INC	410	$217K	0.1%	$451.15	+9.7%	COM	91324P102
TSLA	TESLA INC	1,200	$216K	0.1%	$254.33	+9.8%	COM	88160R101
VIOG	VANGUARD ADMIRAL FDS INC	1,055	$207K	0.1%	$228.81	—	SMLCP 600 GRTH	921932794
IEMG	ISHARES INC	4,398	$206K	0.1%	$60.06	—	CORE MSCI EMKT	46434G103
IWV	ISHARES TR	891	$204K	0.1%	$255.91	—	RUSSELL 3000 ETF	464287689