Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
BND	VANGUARD BD INDEX FDS	484,449	$41.4M	12.9%	$85.87	—	TOTAL BND MRKT	921937835
BNDX	VANGUARD CHARLOTTE FDS	700,691	$39.91M	12.5%	$57.10	—	TOTAL INT BD ETF	92203J407
VUG	VANGUARD INDEX FDS	124,905	$36.24M	11.3%	$286.81	—	GROWTH ETF	922908736
VTV	VANGUARD INDEX FDS	222,975	$30.18M	9.4%	$137.44	—	VALUE ETF	922908744
VEA	VANGUARD TAX-MANAGED FDS	476,825	$24.07M	7.5%	$51.50	—	VAN FTSE DEV MKT	921943858
BSV	VANGUARD BD INDEX FDS	233,287	$19.12M	6.0%	$82.15	—	SHORT TRM BOND	921937827
VBK	VANGUARD INDEX FDS	47,514	$13.31M	4.2%	$289.79	—	SML CP GRW ETF	922908595
VNQ	VANGUARD INDEX FDS	110,942	$11.29M	3.5%	$101.79	—	REAL ESTATE ETF	922908553
VBR	VANGUARD INDEX FDS	66,582	$11.27M	3.5%	$173.66	—	SM CP VAL ETF	922908611
VWO	VANGUARD INTL EQUITY INDEX F	223,458	$11.18M	3.5%	$54.23	—	FTSE EMR MKT ETF	922042858
VSS	VANGUARD INTL EQUITY INDEX F	75,223	$10.06M	3.1%	$136.45	—	FTSE SMCAP ETF	922042718
SPDW	SPDR INDEX SHS FDS	132,800	$4.809M	1.5%	$36.79	—	PORTFOLIO DEVLPD	78463X889
VTI	VANGUARD INDEX FDS	17,477	$3.881M	1.2%	$222.83	—	TOTAL STK MKT	922908769
BIV	VANGUARD BD INDEX FDS	41,694	$3.729M	1.2%	$89.94	—	INTERMED TERM	921937819
SCZ	ISHARES TR	47,741	$3.552M	1.1%	$74.16	—	EAFE SML CP ETF	464288273
VO	VANGUARD INDEX FDS	14,080	$3.334M	1.0%	$237.35	—	MID CAP ETF	922908629
NSC	NORFOLK SOUTHN CORP	12,007	$2.873M	0.9%	$250.29	-6.7%	COM	655844108
VFMF	VANGUARD WELLINGTON FD	25,897	$2.579M	0.8%	$101.00	—	US MULTIFACTOR	921935607
SLYV	SPDR SER TR	29,505	$2.418M	0.8%	$85.71	—	S&P 600 SMCP VAL	78464A300
SPYV	SPDR SER TR	56,506	$2.204M	0.7%	$39.54	—	PRTFLO S&P500 VL	78464A508
VNQI	VANGUARD INTL EQUITY INDEX F	36,447	$2.052M	0.6%	$58.36	—	GLB EX US ETF	922042676
TFC	TRUIST FINL CORP	28,731	$1.685M	0.5%	$47.05	-4.1%	COM	89832Q109
VXF	VANGUARD INDEX FDS	8,728	$1.592M	0.5%	$188.58	—	EXTEND MKT ETF	922908652
SPEM	SPDR INDEX SHS FDS	36,578	$1.556M	0.5%	$45.50	—	PORTFOLIO EMG MK	78463X509
NKE	NIKE INC	10,497	$1.524M	0.5%	$125.67	+21.4%	CL B	654106103
LRGF	ISHARES TR	34,340	$1.447M	0.5%	$42.83	—	U S EQUITY FACTR	46434V282
EW	EDWARDS LIFESCIENCES CORP	11,584	$1.311M	0.4%	$94.26	+21.1%	COM	28176E108
VV	VANGUARD INDEX FDS	5,655	$1.136M	0.4%	$200.75	—	LARGE CAP ETF	922908637
AMZN	AMAZON COM INC	341	$1.12M	0.3%	$166.20	+3.8%	COM	023135106
AAPL	APPLE INC	7,708	$1.091M	0.3%	$126.92	+13.4%	COM	037833100
VB	VANGUARD INDEX FDS	4,811	$1.052M	0.3%	$225.29	—	SMALL CP ETF	922908751
VEU	VANGUARD INTL EQUITY INDEX F	17,178	$1.047M	0.3%	$63.34	—	ALLWRLD EX US	922042775
FERG1GBX	FERGUSON PLC NEW	6,933	$967K	0.3%	$139.54	—	SHS	G3421J106
XOM	EXXON MOBIL CORP	16,095	$947K	0.3%	$50.04	-3.2%	COM	30231G102
EFA	ISHARES TR	11,734	$915K	0.3%	$78.88	—	MSCI EAFE ETF	464287465
DFAT	DIMENSIONAL ETF TRUST	20,601	$915K	0.3%	$44.80	—	US TARGETED VLU	25434V609
UDR	UDR INC	16,829	$892K	0.3%	$39.57	+14.4%	COM	902653104
VCIT	VANGUARD SCOTTSDALE FDS	9,298	$878K	0.3%	$94.71	—	INT-TERM CORP	92206C870
IWF	ISHARES TR	2,896	$794K	0.2%	$271.48	—	RUS 1000 GRW ETF	464287614
SLYG	SPDR SER TR	8,843	$770K	0.2%	$88.77	—	S&P 600 SMCP GRW	78464A201
DFAX	DIMENSIONAL ETF TRUST	29,665	$768K	0.2%	$25.88	—	WORLD EX US CORE	25434V880
COF	CAPITAL ONE FINL CORP	4,263	$691K	0.2%	$138.58	+8.8%	COM	14040H105
DFAC	DIMENSIONAL ETF TRUST	22,711	$603K	0.2%	$26.98	—	US CORE EQUITY 2	25434V708
DHR	DANAHER CORPORATION	1,875	$571K	0.2%	$217.14	+22.9%	COM	235851102
CVS	CVS HEALTH CORP	6,264	$532K	0.2%	$70.48	+2.9%	COM	126650100
IVV	ISHARES TR	1,205	$519K	0.2%	$429.92	—	CORE S&P500 ETF	464287200
CSX	CSX CORP	17,052	$507K	0.2%	$30.96	-2.6%	COM	126408103
SPYG	SPDR SER TR	7,897	$506K	0.2%	$62.97	—	PRTFLO S&P500 GW	78464A409
IVW	ISHARES TR	6,809	$503K	0.2%	$72.73	—	S&P 500 GRWT ETF	464287309
GE	GENERAL ELECTRIC CO	4,776	$492K	0.2%	$65.27	-3.6%	COM NEW	369604301
STLD	STEEL DYNAMICS INC	7,844	$459K	0.1%	$54.47	+9.4%	COM	858119100
LOW	LOWES COS INC	2,140	$434K	0.1%	$179.51	+2.3%	COM	548661107
VTC	VANGUARD SCOTTSDALE FDS	4,750	$433K	0.1%	$92.00	—	TOTAL CORP BND	92206C573
NKSH	NATIONAL BANKSHARES INC VA COM	11,791	$428K	0.1%	$27.37	+4.5%	COM	634865109
IWD	ISHARES TR	2,710	$424K	0.1%	$158.62	—	RUS 1000 VAL ETF	464287598
JNJ	JOHNSON & JOHNSON	2,604	$421K	0.1%	$144.91	+3.7%	COM	478160104
—	HESS CORP	4,939	$386K	0.1%	$87.32	—	COM	42809H107
GOOG	ALPHABET INC	143	$381K	0.1%	$118.29	+15.7%	CAP STK CL C	02079K107
—	ISHARES TR	10,153	$376K	0.1%	$38.27	—	INTL DEVPPTY ETF	464288422
MSFT	MICROSOFT CORP	1,316	$371K	0.1%	$245.31	+14.4%	COM	594918104
IWP	ISHARES TR	3,293	$369K	0.1%	$113.21	—	RUS MD CP GR ETF	464287481
VOT	VANGUARD INDEX FDS	1,558	$368K	0.1%	$236.41	—	MCAP GR IDXVIP	922908538
EEM	ISHARES TR	7,045	$355K	0.1%	$55.15	—	MSCI EMG MKT ETF	464287234
D	DOMINION ENERGY INC	4,851	$354K	0.1%	$62.68	-0.4%	COM	25746U109
PG	PROCTER AND GAMBLE CO	2,438	$341K	0.1%	$120.71	+5.4%	COM	742718109
GOOGL	ALPHABET INC	127	$340K	0.1%	$115.92	+16.5%	CAP STK CL A	02079K305
PFE	PFIZER INC	7,873	$339K	0.1%	$30.99	+15.1%	COM	717081103
VTIP	VANGUARD MALVERN FDS	6,213	$327K	0.1%	$52.41	—	STRM INFPROIDX	922020805
TSLA	TESLA INC	400	$310K	0.1%	$217.09	+8.4%	COM	88160R101
TPL	TEXAS PACIFIC LAND CORPORATION	250	$302K	0.1%	$164.19	-10.5%	COM	88262P102
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,106	$302K	0.1%	$279.47	+0.5%	CL B NEW	084670702
IEMG	ISHARES INC	4,804	$297K	0.1%	$66.99	—	CORE MSCI EMKT	46434G103
IAGG	ISHARES TR	5,262	$290K	0.1%	$55.02	—	CORE INTL AGGR	46435G672
IWS	ISHARES TR	2,500	$283K	0.1%	$114.98	—	RUS MDCP VAL ETF	464287473
PM	PHILIP MORRIS INTL INC	2,890	$274K	0.1%	$76.42	+6.1%	COM	718172109
MCD	MCDONALDS CORP	1,129	$272K	0.1%	$209.30	+3.1%	COM	580135101
IJR	ISHARES TR	2,485	$271K	0.1%	$112.99	—	CORE S&P SCP ETF	464287804
DFIV	DIMENSIONAL ETF TRUST	8,209	$269K	0.1%	$32.75	—	INTERNATNAL VAL	25434V807
VXUS	VANGUARD STAR FDS	4,141	$262K	0.1%	$65.52	—	VG TL INTL STK F	921909768
IVE	ISHARES TR	1,799	$262K	0.1%	$147.66	—	S&P 500 VAL ETF	464287408
IWR	ISHARES TR	3,311	$259K	0.1%	$79.23	—	RUS MID CAP ETF	464287499
UNP	UNION PAC CORP	1,300	$255K	0.1%	$200.38	-2.6%	COM	907818108
VIOG	VANGUARD ADMIRAL FDS INC	1,051	$236K	0.1%	$228.81	—	SMLCP 600 GRTH	921932794
WMT	WALMART INC	1,636	$228K	0.1%	$43.81	+3.8%	COM	931142103
IWV	ISHARES TR	891	$227K	0.1%	$255.91	—	RUSSELL 3000 ETF	464287689
SCHP	SCHWAB STRATEGIC TR	3,611	$226K	0.1%	$62.51	—	US TIPS ETF	808524870
ICF	ISHARES TR	3,446	$225K	0.1%	$65.35	—	COHEN STEER REIT	464287564
IGOV	ISHARES TR	4,367	$224K	0.1%	$52.25	—	INTL TREA BD ETF	464288117
IJH	ISHARES TR	827	$217K	0.1%	$268.78	—	CORE S&P MCP ETF	464287507
CARE	CARTER BANKSHARES INC	14,885	$212K	0.1%	$13.97	-11.6%	COM NEW	146103106
SBUX	STARBUCKS CORP	1,915	$211K	0.1%	$101.76	+3.9%	COM	855244109
MDT	MEDTRONIC PLC	1,662	$208K	0.1%	$109.61	+3.5%	SHS	G5960L103
IWN	ISHARES TR	1,285	$206K	0.1%	$165.73	—	RUS 2000 VAL ETF	464287630
META	FACEBOOK INC	600	$204K	0.1%	$318.58	+12.3%	CL A	30303M102
VFVA	VANGUARD WELLINGTON FD	2,049	$203K	0.1%	$99.74	—	US VALUE FACTR	921935805