Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
BND	VANGUARD BD INDEX FDS	539,628	$39.84M	12.7%	$85.34	—	TOTAL BND MRKT	921937835
BNDX	VANGUARD CHARLOTTE FDS	746,367	$36.36M	11.6%	$56.87	—	TOTAL INT BD ETF	92203J407
VTV	VANGUARD INDEX FDS	245,985	$34.08M	10.8%	$137.96	—	VALUE ETF	922908744
VUG	VANGUARD INDEX FDS	134,962	$33.34M	10.6%	$284.88	—	GROWTH ETF	922908736
VEA	VANGUARD TAX-MANAGED FDS	609,726	$24.96M	7.9%	$49.93	—	VAN FTSE DEV MKT	921943858
BSV	VANGUARD BD INDEX FDS	245,038	$18.64M	5.9%	$81.97	—	SHORT TRM BOND	921937827
VBK	VANGUARD INDEX FDS	53,760	$11.99M	3.8%	$282.94	—	SML CP GRW ETF	922908595
VBR	VANGUARD INDEX FDS	71,668	$11.75M	3.7%	$173.44	—	SM CP VAL ETF	922908611
VNQ	VANGUARD INDEX FDS	118,237	$11.33M	3.6%	$101.82	—	REAL ESTATE ETF	922908553
VWO	VANGUARD INTL EQUITY INDEX F	262,761	$10.78M	3.4%	$52.74	—	FTSE EMR MKT ETF	922042858
VSS	VANGUARD INTL EQUITY INDEX F	82,504	$8.694M	2.8%	$134.69	—	FTSE SMCAP ETF	922042718
SPDW	SPDR INDEX SHS FDS	143,126	$4.139M	1.3%	$36.36	—	PORTFOLIO DEVLPD	78463X889
VTI	VANGUARD INDEX FDS	17,991	$3.678M	1.2%	$222.83	—	TOTAL STK MKT	922908769
VTEB	VANGUARD MUN BD FDS	68,742	$3.394M	1.1%	$49.67	—	TAX EXEMPT BD	922907746
BIV	VANGUARD BD INDEX FDS	40,881	$3.121M	1.0%	$89.94	—	INTERMED TERM	921937819
NSC	NORFOLK SOUTHN CORP	11,959	$2.988M	0.9%	$250.29	-9.5%	COM	655844108
SCZ	ISHARES TR	48,496	$2.668M	0.8%	$73.08	—	EAFE SML CP ETF	464288273
VO	VANGUARD INDEX FDS	11,930	$2.587M	0.8%	$237.35	—	MID CAP ETF	922908629
VFMF	VANGUARD WELLINGTON FD	24,418	$2.39M	0.8%	$101.00	—	US MULTIFACTOR	921935607
SPYV	SPDR SER TR	57,989	$2.256M	0.7%	$39.62	—	PRTFLO S&P500 VL	78464A508
VCIT	VANGUARD SCOTTSDALE FDS	24,373	$1.93M	0.6%	$88.85	—	INT-TERM CORP	92206C870
SLYV	SPDR SER TR	24,983	$1.895M	0.6%	$85.71	—	S&P 600 SMCP VAL	78464A300
VNQI	VANGUARD INTL EQUITY INDEX F	35,285	$1.53M	0.5%	$58.36	—	GLB EX US ETF	922042676
LRGF	ISHARES TR	32,153	$1.326M	0.4%	$42.83	—	U S EQUITY FACTR	46434V282
SPEM	SPDR INDEX SHS FDS	38,098	$1.31M	0.4%	$44.87	—	PORTFOLIO EMG MK	78463X509
VXF	VANGUARD INDEX FDS	8,590	$1.253M	0.4%	$188.58	—	EXTEND MKT ETF	922908652
AAPL	APPLE INC	7,925	$1.247M	0.4%	$127.20	+16.9%	COM	037833100
XOM	EXXON MOBIL CORP	12,566	$1.213M	0.4%	$50.04	+59.0%	COM	30231G102
NKE	NIKE INC	10,387	$1.153M	0.4%	$125.67	-11.4%	CL B	654106103
TFC	TRUIST FINL CORP	23,593	$1.144M	0.4%	$47.05	-13.3%	COM	89832Q109
EW	EDWARDS LIFESCIENCES CORP	11,584	$1.127M	0.4%	$94.26	+9.8%	COM	28176E108
VV	VANGUARD INDEX FDS	5,924	$1.103M	0.4%	$200.86	—	LARGE CAP ETF	922908637
SUB	ISHARES TR	10,473	$1.09M	0.3%	$104.04	—	SHRT NAT MUN ETF	464288158
IAGG	ISHARES TR	21,243	$1.05M	0.3%	$50.82	—	CORE INTL AGGR	46435G672
VB	VANGUARD INDEX FDS	4,828	$943K	0.3%	$225.29	—	SMALL CP ETF	922908751
AMZN	AMAZON COM INC	6,678	$890K	0.3%	$127.23	-1.6%	COM	023135106
DFAT	DIMENSIONAL ETF TRUST	20,148	$883K	0.3%	$44.80	—	US TARGETED VLU	25434V609
VEU	VANGUARD INTL EQUITY INDEX F	17,613	$876K	0.3%	$63.27	—	ALLWRLD EX US	922042775
FERG1GBX	FERGUSON PLC NEW	6,933	$822K	0.3%	$139.54	—	SHS	G3421J106
UDR	UDR INC	16,829	$807K	0.3%	$39.57	+10.1%	COM	902653104
SPYG	SPDR SER TR	13,589	$781K	0.2%	$62.36	—	PRTFLO S&P500 GW	78464A409
VUSB	VANGUARD BD INDEX FDS	15,555	$764K	0.2%	$49.14	—	VANGUARD ULTRA	92203C303
SLYG	SPDR SER TR	9,827	$746K	0.2%	$88.05	—	S&P 600 SMCP GRW	78464A201
IWF	ISHARES TR	3,071	$738K	0.2%	$269.71	—	RUS 1000 GRW ETF	464287614
EFA	ISHARES TR	11,802	$737K	0.2%	$78.88	—	MSCI EAFE ETF	464287465
STLD	STEEL DYNAMICS INC	8,231	$712K	0.2%	$54.68	+38.3%	COM	858119100
DFAC	DIMENSIONAL ETF TRUST	25,875	$652K	0.2%	$26.88	—	US CORE EQUITY 2	25434V708
CVS	CVS HEALTH CORP	6,264	$640K	0.2%	$70.48	+21.9%	COM	126650100
SPAB	SPDR SER TR	24,568	$635K	0.2%	$25.86	—	PORTFOLIO AGRGTE	78464A649
DFAX	DIMENSIONAL ETF TRUST	29,134	$625K	0.2%	$25.88	—	WORLD EX US CORE	25434V880
—	HESS CORP	4,939	$605K	0.2%	$87.32	—	COM	42809H107
CSX	CSX CORP	17,052	$556K	0.2%	$30.96	-0.0%	COM	126408103
DHR	DANAHER CORPORATION	1,875	$545K	0.2%	$217.14	+4.2%	COM	235851102
IVV	ISHARES TR	1,205	$493K	0.2%	$429.92	—	CORE S&P500 ETF	464287200
COF	CAPITAL ONE FINL CORP	4,395	$476K	0.2%	$138.68	-17.5%	COM	14040H105
LOW	LOWES COS INC	2,267	$466K	0.1%	$181.75	-1.2%	COM	548661107
IWD	ISHARES TR	2,976	$460K	0.1%	$154.59	—	RUS 1000 VAL ETF	464287598
TPL	TEXAS PACIFIC LAND CORPORATION	250	$456K	0.1%	$164.19	-5.0%	COM	88262P102
NKSH	NATIONAL BANKSHARES INC VA COM	12,924	$440K	0.1%	$27.49	-1.1%	COM	634865109
IVW	ISHARES TR	6,511	$432K	0.1%	$72.73	—	S&P 500 GRWT ETF	464287309
D	DOMINION ENERGY INC	4,851	$403K	0.1%	$62.68	+10.6%	COM	25746U109
GE	GENERAL ELECTRIC CO	5,442	$403K	0.1%	$64.46	-26.2%	COM NEW	369604301
JNJ	JOHNSON & JOHNSON	2,314	$384K	0.1%	$144.91	+10.4%	COM	478160104
IWS	ISHARES TR	3,442	$381K	0.1%	$113.78	—	RUS MDCP VAL ETF	464287473
TSLA	TESLA INC	1,200	$360K	0.1%	$254.33	+7.3%	COM	88160R101
VXUS	VANGUARD STAR FDS	6,975	$359K	0.1%	$63.45	—	VG TL INTL STK F	921909768
IWR	ISHARES TR	4,994	$356K	0.1%	$77.09	—	RUS MID CAP ETF	464287499
MSFT	MICROSOFT CORP	1,316	$348K	0.1%	$245.31	+7.4%	COM	594918104
PG	PROCTER AND GAMBLE CO	2,448	$343K	0.1%	$120.71	+13.7%	COM	742718109
VTIP	VANGUARD MALVERN FDS	6,796	$336K	0.1%	$52.25	—	STRM INFPROIDX	922020805
PFE	PFIZER INC	7,011	$335K	0.1%	$30.99	+35.5%	COM	717081103
IEMG	ISHARES INC	6,918	$333K	0.1%	$60.06	—	CORE MSCI EMKT	46434G103
IWP	ISHARES TR	3,588	$321K	0.1%	$109.62	—	RUS MD CP GR ETF	464287481
IEFA	ISHARES TR	5,426	$320K	0.1%	$58.98	—	CORE MSCI EAFE	46432F842
CARE	CARTER BANKSHARES INC	18,705	$319K	0.1%	$14.27	+7.5%	COM NEW	146103106
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,102	$315K	0.1%	$279.47	+12.3%	CL B NEW	084670702
VOT	VANGUARD INDEX FDS	1,552	$305K	0.1%	$236.41	—	MCAP GR IDXVIP	922908538
GOOG	ALPHABET INC	2,700	$302K	0.1%	$117.33	-0.0%	CAP STK CL C	02079K107
UNP	UNION PAC CORP	1,300	$301K	0.1%	$200.38	+4.2%	COM	907818108
MCD	MCDONALDS CORP	1,129	$293K	0.1%	$209.30	+8.2%	COM	580135101
PM	PHILIP MORRIS INTL INC	2,928	$284K	0.1%	$76.50	+11.6%	COM	718172109
GOOGL	ALPHABET INC	2,440	$270K	0.1%	$116.80	+0.0%	CAP STK CL A	02079K305
IVE	ISHARES TR	1,808	$263K	0.1%	$147.66	—	S&P 500 VAL ETF	464287408
WMT	WALMART INC	1,815	$248K	0.1%	$43.83	+0.5%	COM	931142103
EEM	ISHARES TR	6,040	$236K	0.1%	$55.15	—	MSCI EMG MKT ETF	464287234
SPY	SPDR S&P 500 ETF TR	570	$232K	0.1%	$406.55	—	TR UNIT	78462F103
DFIV	DIMENSIONAL ETF TRUST	7,867	$228K	0.1%	$32.75	—	INTERNATNAL VAL	25434V807
IJR	ISHARES TR	2,283	$224K	0.1%	$112.99	—	CORE S&P SCP ETF	464287804
ICF	ISHARES TR	3,446	$220K	0.1%	$65.35	—	COHEN STEER REIT	464287564
UNH	UNITEDHEALTH GROUP INC	410	$215K	0.1%	$451.15	+4.4%	COM	91324P102
IWV	ISHARES TR	891	$210K	0.1%	$255.91	—	RUSSELL 3000 ETF	464287689
IJH	ISHARES TR	831	$208K	0.1%	$268.78	—	CORE S&P MCP ETF	464287507
VIOG	VANGUARD ADMIRAL FDS INC	1,054	$206K	0.1%	$228.81	—	SMLCP 600 GRTH	921932794
IWN	ISHARES TR	1,378	$203K	0.1%	$147.15	—	RUS 2000 VAL ETF	464287630