Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
BND	VANGUARD BD INDEX FDS	522,956	$42.74M	13.1%	$85.56	—	TOTAL BND MRKT	921937835
BNDX	VANGUARD CHARLOTTE FDS	748,237	$40.03M	12.2%	$56.87	—	TOTAL INT BD ETF	92203J407
VUG	VANGUARD INDEX FDS	127,745	$35.7M	10.9%	$286.65	—	GROWTH ETF	922908736
VTV	VANGUARD INDEX FDS	232,738	$33.86M	10.4%	$137.77	—	VALUE ETF	922908744
VEA	VANGUARD TAX-MANAGED FDS	518,547	$25.49M	7.8%	$51.31	—	VAN FTSE DEV MKT	921943858
BSV	VANGUARD BD INDEX FDS	239,603	$19.01M	5.8%	$82.08	—	SHORT TRM BOND	921937827
VBK	VANGUARD INDEX FDS	49,231	$12.05M	3.7%	$288.22	—	SML CP GRW ETF	922908595
VBR	VANGUARD INDEX FDS	69,129	$11.93M	3.7%	$173.62	—	SM CP VAL ETF	922908611
VNQ	VANGUARD INDEX FDS	114,299	$11.8M	3.6%	$101.83	—	REAL ESTATE ETF	922908553
VWO	VANGUARD INTL EQUITY INDEX F	235,576	$11.69M	3.6%	$53.99	—	FTSE EMR MKT ETF	922042858
VSS	VANGUARD INTL EQUITY INDEX F	78,040	$9.847M	3.0%	$136.08	—	FTSE SMCAP ETF	922042718
SPDW	SPDR INDEX SHS FDS	136,784	$4.793M	1.5%	$36.74	—	PORTFOLIO DEVLPD	78463X889
VTI	VANGUARD INDEX FDS	18,756	$4.182M	1.3%	$222.83	—	TOTAL STK MKT	922908769
BIV	VANGUARD BD INDEX FDS	41,417	$3.501M	1.1%	$89.94	—	INTERMED TERM	921937819
NSC	NORFOLK SOUTHN CORP	12,000	$3.207M	1.0%	$250.29	+2.0%	COM	655844108
SCZ	ISHARES TR	46,549	$3.179M	1.0%	$74.16	—	EAFE SML CP ETF	464288273
VO	VANGUARD INDEX FDS	11,864	$2.781M	0.9%	$237.35	—	MID CAP ETF	922908629
VFMF	VANGUARD WELLINGTON FD	24,383	$2.518M	0.8%	$101.00	—	US MULTIFACTOR	921935607
SPYV	SPDR SER TR	59,396	$2.444M	0.7%	$39.62	—	PRTFLO S&P500 VL	78464A508
SLYV	SPDR SER TR	28,712	$2.345M	0.7%	$85.71	—	S&P 600 SMCP VAL	78464A300
VNQI	VANGUARD INTL EQUITY INDEX F	36,439	$1.907M	0.6%	$58.36	—	GLB EX US ETF	922042676
TFC	TRUIST FINL CORP	28,760	$1.829M	0.6%	$47.05	+5.7%	COM	89832Q109
SPEM	SPDR INDEX SHS FDS	37,342	$1.554M	0.5%	$45.42	—	PORTFOLIO EMG MK	78463X509
VCIT	VANGUARD SCOTTSDALE FDS	16,487	$1.468M	0.4%	$92.23	—	INT-TERM CORP	92206C870
NKE	NIKE INC	10,387	$1.456M	0.4%	$125.67	+23.0%	CL B	654106103
VXF	VANGUARD INDEX FDS	8,584	$1.411M	0.4%	$188.58	—	EXTEND MKT ETF	922908652
LRGF	ISHARES TR	32,176	$1.4M	0.4%	$42.83	—	U S EQUITY FACTR	46434V282
AAPL	APPLE INC	7,768	$1.31M	0.4%	$126.92	+21.9%	COM	037833100
EW	EDWARDS LIFESCIENCES CORP	11,584	$1.263M	0.4%	$94.26	+23.7%	COM	28176E108
VV	VANGUARD INDEX FDS	5,898	$1.2M	0.4%	$200.86	—	LARGE CAP ETF	922908637
VEU	VANGUARD INTL EQUITY INDEX F	17,522	$1.049M	0.3%	$63.27	—	ALLWRLD EX US	922042775
AMZN	AMAZON COM INC	341	$1.045M	0.3%	$166.20	+3.0%	COM	023135106
FERG1GBX	FERGUSON PLC NEW	6,933	$1.025M	0.3%	$139.54	—	SHS	G3421J106
XOM	EXXON MOBIL CORP	12,566	$1.008M	0.3%	$50.04	+7.7%	COM	30231G102
VB	VANGUARD INDEX FDS	4,818	$1.008M	0.3%	$225.29	—	SMALL CP ETF	922908751
DFAT	DIMENSIONAL ETF TRUST	20,667	$952K	0.3%	$44.80	—	US TARGETED VLU	25434V609
UDR	UDR INC	16,829	$930K	0.3%	$39.57	+21.3%	COM	902653104
EFA	ISHARES TR	11,764	$890K	0.3%	$78.88	—	MSCI EAFE ETF	464287465
SLYG	SPDR SER TR	10,168	$846K	0.3%	$88.05	—	S&P 600 SMCP GRW	78464A201
IWF	ISHARES TR	2,896	$778K	0.2%	$271.48	—	RUS 1000 GRW ETF	464287614
DFAX	DIMENSIONAL ETF TRUST	29,015	$747K	0.2%	$25.88	—	WORLD EX US CORE	25434V880
COF	CAPITAL ONE FINL CORP	4,358	$680K	0.2%	$138.68	+3.4%	COM	14040H105
CVS	CVS HEALTH CORP	6,264	$653K	0.2%	$70.48	+14.2%	COM	126650100
SPYG	SPDR SER TR	10,092	$645K	0.2%	$63.17	—	PRTFLO S&P500 GW	78464A409
DFAC	DIMENSIONAL ETF TRUST	22,309	$606K	0.2%	$26.98	—	US CORE EQUITY 2	25434V708
CSX	CSX CORP	17,052	$569K	0.2%	$30.96	+7.5%	COM	126408103
IVV	ISHARES TR	1,205	$533K	0.2%	$429.92	—	CORE S&P500 ETF	464287200
LOW	LOWES COS INC	2,266	$512K	0.2%	$181.75	+20.9%	COM	548661107
DHR	DANAHER CORPORATION	1,875	$511K	0.2%	$217.14	+24.4%	COM	235851102
STLD	STEEL DYNAMICS INC	8,281	$503K	0.2%	$54.68	+7.1%	COM	858119100
IVW	ISHARES TR	6,661	$491K	0.2%	$72.73	—	S&P 500 GRWT ETF	464287309
—	HESS CORP	4,939	$475K	0.1%	$87.32	—	COM	42809H107
NKSH	NATIONAL BANKSHARES INC VA COM	12,704	$464K	0.1%	$27.50	+6.2%	COM	634865109
GE	GENERAL ELECTRIC CO	4,780	$463K	0.1%	$65.27	-5.7%	COM NEW	369604301
IWD	ISHARES TR	2,710	$444K	0.1%	$158.62	—	RUS 1000 VAL ETF	464287598
VTC	VANGUARD SCOTTSDALE FDS	4,750	$409K	0.1%	$92.00	—	TOTAL CORP BND	92206C573
JNJ	JOHNSON & JOHNSON	2,396	$402K	0.1%	$144.91	+0.1%	COM	478160104
VXUS	VANGUARD STAR FDS	6,363	$393K	0.1%	$64.21	—	VG TL INTL STK F	921909768
MSFT	MICROSOFT CORP	1,316	$388K	0.1%	$245.31	+27.8%	COM	594918104
D	DOMINION ENERGY INC	4,851	$384K	0.1%	$62.68	-0.9%	COM	25746U109
GOOG	ALPHABET INC	143	$384K	0.1%	$118.29	+21.3%	CAP STK CL C	02079K107
PG	PROCTER AND GAMBLE CO	2,441	$381K	0.1%	$120.71	+11.1%	COM	742718109
PFE	PFIZER INC	7,011	$356K	0.1%	$30.99	+29.8%	COM	717081103
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,102	$352K	0.1%	$279.47	+2.5%	CL B NEW	084670702
TSLA	TESLA INC	400	$344K	0.1%	$217.09	+54.5%	COM	88160R101
VOT	VANGUARD INDEX FDS	1,559	$344K	0.1%	$236.41	—	MCAP GR IDXVIP	922908538
GOOGL	ALPHABET INC	122	$328K	0.1%	$115.92	+23.3%	CAP STK CL A	02079K305
VTIP	VANGUARD MALVERN FDS	6,436	$327K	0.1%	$52.36	—	STRM INFPROIDX	922020805
CARE	CARTER BANKSHARES INC	20,575	$323K	0.1%	$14.27	+5.5%	COM NEW	146103106
EEM	ISHARES TR	6,595	$321K	0.1%	$55.15	—	MSCI EMG MKT ETF	464287234
PM	PHILIP MORRIS INTL INC	2,890	$312K	0.1%	$76.42	-0.1%	COM	718172109
UNP	UNION PAC CORP	1,300	$310K	0.1%	$200.38	+7.3%	COM	907818108
IWP	ISHARES TR	3,045	$303K	0.1%	$113.21	—	RUS MD CP GR ETF	464287481
IWS	ISHARES TR	2,500	$294K	0.1%	$114.98	—	RUS MDCP VAL ETF	464287473
DFIV	DIMENSIONAL ETF TRUST	8,250	$289K	0.1%	$32.75	—	INTERNATNAL VAL	25434V807
MCD	MCDONALDS CORP	1,129	$288K	0.1%	$209.30	+9.7%	COM	580135101
IEMG	ISHARES INC	4,810	$286K	0.1%	$66.99	—	CORE MSCI EMKT	46434G103
IAGG	ISHARES TR	5,323	$283K	0.1%	$55.00	—	CORE INTL AGGR	46435G672
IVE	ISHARES TR	1,802	$277K	0.1%	$147.66	—	S&P 500 VAL ETF	464287408
TPL	TEXAS PACIFIC LAND CORPORATION	250	$276K	0.1%	$164.19	-19.6%	COM	88262P102
IJR	ISHARES TR	2,506	$267K	0.1%	$112.99	—	CORE S&P SCP ETF	464287804
IWR	ISHARES TR	3,319	$255K	0.1%	$79.23	—	RUS MID CAP ETF	464287499
VFVA	VANGUARD WELLINGTON FD	2,403	$254K	0.1%	$100.63	—	US VALUE FACTR	921935805
ICF	ISHARES TR	3,446	$230K	0.1%	$65.35	—	COHEN STEER REIT	464287564
IWV	ISHARES TR	891	$229K	0.1%	$255.91	—	RUSSELL 3000 ETF	464287689
VIOG	VANGUARD ADMIRAL FDS INC	1,053	$226K	0.1%	$228.81	—	SMLCP 600 GRTH	921932794
WMT	WALMART INC	1,636	$221K	0.1%	$43.81	+3.1%	COM	931142103
IJH	ISHARES TR	828	$219K	0.1%	$268.78	—	CORE S&P MCP ETF	464287507
SCHP	SCHWAB STRATEGIC TR	3,611	$218K	0.1%	$62.51	—	US TIPS ETF	808524870
IGOV	ISHARES TR	4,367	$212K	0.1%	$52.25	—	INTL TREA BD ETF	464288117
BAX	BAXTER INTL INC	2,384	$205K	0.1%	$73.17	0.0%	COM	071813109
IEFA	ISHARES TR	2,843	$203K	0.1%	$71.51	—	CORE MSCI EAFE	46432F842