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CIK: 0002054264 · Show all filings

Period: Q4 2025 (← Previous)

Filing Date: Feb 2, 2026

Total Value ($000): $590,600 (100.0% shares, 0.0% debt)

Holdings (115)

New Positions (4)

VCRB VANGUARD MALVERN FDS 0.1%

Value ($000) $376 Shares 4,831 Est. Cost $77.90 Unrealized —

SLV ISHARES SILVER TR 0.0%

Value ($000) $241 Shares 3,738 Est. Cost $64.42 Unrealized —

VGIT VANGUARD SCOTTSDALE FDS 0.0%

Value ($000) $211 Shares 3,525 Est. Cost $59.93 Unrealized —

ESGV VANGUARD WORLD FD 0.0%

Value ($000) $200 Shares 1,655 Est. Cost $120.96 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VCRB	VANGUARD MALVERN FDS	4,831	$376	0.1%	$77.90	—	CORE BD ETF	922020748
SLV	ISHARES SILVER TR	3,738	$241	0.0%	$64.42	—	ISHARES	46428Q109
VGIT	VANGUARD SCOTTSDALE FDS	3,525	$211	0.0%	$59.93	—	INTER TERM TREAS	92206C706
ESGV	VANGUARD WORLD FD	1,655	$200	0.0%	$120.96	—	ESG US STK ETF	921910733

Increased Positions (23)

BNDX VANGUARD CHARLOTTE FDS 9.5%

Value ($000) $56,219 (+5.6%) Shares 1,163,482 (+8.1%) Est. Cost $53.86 Unrealized —

VTV VANGUARD INDEX FDS 9.9%

Value ($000) $58,228 (+3.6%) Shares 304,877 (+1.1%) Est. Cost $141.14 Unrealized —

BND VANGUARD BD INDEX FDS 12.3%

Value ($000) $72,908 (+1.5%) Shares 984,315 (+1.9%) Est. Cost $79.56 Unrealized —

SPDW SPDR INDEX SHS FDS 2.2%

Value ($000) $12,897 (+5.2%) Shares 290,406 (+1.4%) Est. Cost $35.60 Unrealized —

BSV VANGUARD BD INDEX FDS 6.2%

Value ($000) $36,680 (+1.7%) Shares 465,429 (+1.8%) Est. Cost $79.54 Unrealized —

VBR VANGUARD INDEX FDS 3.6%

Value ($000) $21,520 (+2.9%) Shares 101,609 (+1.4%) Est. Cost $173.81 Unrealized —

MUB ISHARES TR 1.0%

Value ($000) $5,978 (+11.2%) Shares 55,813 (+10.6%) Est. Cost $106.23 Unrealized —

VCIT VANGUARD SCOTTSDALE FDS 1.3%

Value ($000) $7,859 (+5.0%) Shares 93,834 (+5.5%) Est. Cost $83.04 Unrealized —

VTEB VANGUARD MUN BD FDS 2.0%

Value ($000) $11,576 (+2.7%) Shares 230,186 (+2.3%) Est. Cost $49.64 Unrealized —

VBIL VANGUARD INSTL INDEX FD 0.1%

Value ($000) $534 (+98.6%) Shares 7,073 (+99.1%) Est. Cost $75.52 Unrealized —

SUB ISHARES TR 1.8%

Value ($000) $10,696 (+2.3%) Shares 100,240 (+2.3%) Est. Cost $104.58 Unrealized —

GOOG ALPHABET INC 0.1%

Value ($000) $826 (+31.4%) Shares 2,631 (+1.9%) Est. Cost $120.54 Unrealized +137.5%

SPTS SPDR SER TR 0.3%

Value ($000) $1,483 (+5.1%) Shares 50,653 (+5.2%) Est. Cost $28.94 Unrealized —

COF CAPITAL ONE FINL CORP 0.1%

Value ($000) $399 (+21.4%) Shares 1,645 (+6.5%) Est. Cost $113.35 Unrealized +96.0%

AOA ISHARES TR 0.0%

Value ($000) $261 (+24.7%) Shares 2,919 (+22.7%) Est. Cost $88.41 Unrealized —

TPL TEXAS PACIFIC LAND CORPORATION 0.1%

Value ($000) $615 (-7.7%) Shares 2,142 (+200.0%) Est. Cost $258.77 Unrealized +17.9%

EEM ISHARES TR 0.1%

Value ($000) $335 (+17.4%) Shares 6,131 (+14.6%) Est. Cost $55.09 Unrealized —

IEFA ISHARES TR 0.1%

Value ($000) $810 (+4.3%) Shares 9,056 (+1.8%) Est. Cost $63.11 Unrealized —

RTX RTX CORPORATION 0.0%

Value ($000) $289 (+10.9%) Shares 1,577 (+1.2%) Est. Cost $125.32 Unrealized +38.3%

VNQI VANGUARD INTL EQUITY INDEX F 0.2%

Value ($000) $1,374 (-1.2%) Shares 29,976 (+2.9%) Est. Cost $57.65 Unrealized —

IAGG ISHARES TR 0.5%

Value ($000) $2,973 (-0.5%) Shares 59,439 (+1.9%) Est. Cost $49.69 Unrealized —

FERG FERGUSON ENTERPRISES INC 0.2%

Value ($000) $1,120 (+0.7%) Shares 5,033 (+1.6%) Est. Cost $118.85 Unrealized +100.2%

SCHZ SCHWAB STRATEGIC TR 0.1%

Value ($000) $311 (+0.9%) Shares 13,294 (+1.3%) Est. Cost $34.70 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
BNDX	VANGUARD CHARLOTTE FDS	1,163,482 (+8.1%)	$56,219 (+5.6%)	9.5%	$53.86	—	TOTAL INT BD ETF	92203J407
VTV	VANGUARD INDEX FDS	304,877 (+1.1%)	$58,228 (+3.6%)	9.9%	$141.14	—	VALUE ETF	922908744
BND	VANGUARD BD INDEX FDS	984,315 (+1.9%)	$72,908 (+1.5%)	12.3%	$79.56	—	TOTAL BND MRKT	921937835
SPDW	SPDR INDEX SHS FDS	290,406 (+1.4%)	$12,897 (+5.2%)	2.2%	$35.60	—	PORTFOLIO DEVLPD	78463X889
BSV	VANGUARD BD INDEX FDS	465,429 (+1.8%)	$36,680 (+1.7%)	6.2%	$79.54	—	SHORT TRM BOND	921937827
VBR	VANGUARD INDEX FDS	101,609 (+1.4%)	$21,520 (+2.9%)	3.6%	$173.81	—	SM CP VAL ETF	922908611
MUB	ISHARES TR	55,813 (+10.6%)	$5,978 (+11.2%)	1.0%	$106.23	—	NATIONAL MUN ETF	464288414
VCIT	VANGUARD SCOTTSDALE FDS	93,834 (+5.5%)	$7,859 (+5.0%)	1.3%	$83.04	—	INT-TERM CORP	92206C870
VTEB	VANGUARD MUN BD FDS	230,186 (+2.3%)	$11,576 (+2.7%)	2.0%	$49.64	—	TAX EXEMPT BD	922907746
VBIL	VANGUARD INSTL INDEX FD	7,073 (+99.1%)	$534 (+98.6%)	0.1%	$75.52	—	0-3 MO TREAS BIL	922040845
SUB	ISHARES TR	100,240 (+2.3%)	$10,696 (+2.3%)	1.8%	$104.58	—	SHRT NAT MUN ETF	464288158
GOOG	ALPHABET INC	2,631 (+1.9%)	$826 (+31.4%)	0.1%	$120.54	+137.5%	CAP STK CL C	02079K107
SPTS	SPDR SER TR	50,653 (+5.2%)	$1,483 (+5.1%)	0.3%	$28.94	—	PORTFOLIO SH TSR	78468R101
COF	CAPITAL ONE FINL CORP	1,645 (+6.5%)	$399 (+21.4%)	0.1%	$113.35	+96.0%	COM	14040H105
AOA	ISHARES TR	2,919 (+22.7%)	$261 (+24.7%)	0.0%	$88.41	—	CORE 80/20 AGGRE	464289859
TPL	TEXAS PACIFIC LAND CORPORATION	2,142 (+200.0%)	$615 (-7.7%)	0.1%	$258.77	+17.9%	COM	88262P102
EEM	ISHARES TR	6,131 (+14.6%)	$335 (+17.4%)	0.1%	$55.09	—	MSCI EMG MKT ETF	464287234
IEFA	ISHARES TR	9,056 (+1.8%)	$810 (+4.3%)	0.1%	$63.11	—	CORE MSCI EAFE	46432F842
RTX	RTX CORPORATION	1,577 (+1.2%)	$289 (+10.9%)	0.0%	$125.32	+38.3%	COM	75513E101
VNQI	VANGUARD INTL EQUITY INDEX F	29,976 (+2.9%)	$1,374 (-1.2%)	0.2%	$57.65	—	GLB EX US ETF	922042676
IAGG	ISHARES TR	59,439 (+1.9%)	$2,973 (-0.5%)	0.5%	$49.69	—	CORE INTL AGGR	46435G672
FERG	FERGUSON ENTERPRISES INC	5,033 (+1.6%)	$1,120 (+0.7%)	0.2%	$118.85	+100.2%	COMMON STOCK NEW	31488V107
SCHZ	SCHWAB STRATEGIC TR	13,294 (+1.3%)	$311 (+0.9%)	0.1%	$34.70	—	US AGGREGATE B	808524839

Exited Positions (4)

VOE VANGUARD INDEX FDS 0.0%

Value ($000) $236 Shares 1,353 Est. Cost $161.75 Unrealized —

MO ALTRIA GROUP INC 0.0%

Value ($000) $225 Shares 3,400 Est. Cost $61.42 Unrealized -3.3%

MDLZ MONDELEZ INTL INC 0.0%

Value ($000) $222 Shares 3,556 Est. Cost $63.41 Unrealized -10.0%

D DOMINION ENERGY INC 0.0%

Value ($000) $200 Shares 3,273 Est. Cost $58.31 Unrealized +2.5%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VOE	VANGUARD INDEX FDS	1,353	$236	0.0%	$161.75	—	—	922908512
MO	ALTRIA GROUP INC	3,400	$225	0.0%	$61.42	-3.3%	—	02209S103
MDLZ	MONDELEZ INTL INC	3,556	$222	0.0%	$63.41	-10.0%	—	609207105
D	DOMINION ENERGY INC	3,273	$200	0.0%	$58.31	+2.5%	—	25746U109

Decreased Positions (13)

VUG VANGUARD INDEX FDS 11.1%

Value ($000) $65,382 (-1.9%) Shares 134,018 (-3.5%) Est. Cost $276.58 Unrealized —

SPYV SPDR SER TR 0.7%

Value ($000) $3,975 (-8.1%) Shares 69,965 (-10.5%) Est. Cost $44.60 Unrealized —

IWF ISHARES TR 0.3%

Value ($000) $1,567 (-12.9%) Shares 3,312 (-13.8%) Est. Cost $260.62 Unrealized —

VFMF VANGUARD WELLINGTON FD 0.5%

Value ($000) $2,961 (+3.0%) Shares 19,646 (-1.4%) Est. Cost $101.00 Unrealized —

VEU VANGUARD INTL EQUITY INDEX F 0.3%

Value ($000) $1,995 (-2.8%) Shares 27,125 (-5.7%) Est. Cost $59.08 Unrealized —

IWP ISHARES TR 0.1%

Value ($000) $439 (-9.5%) Shares 3,204 (-5.9%) Est. Cost $109.25 Unrealized —

VOT VANGUARD INDEX FDS 0.1%

Value ($000) $367 (-9.5%) Shares 1,313 (-4.8%) Est. Cost $236.41 Unrealized —

XOM EXXON MOBIL CORP 0.3%

Value ($000) $1,519 (+2.1%) Shares 12,623 (-4.3%) Est. Cost $52.62 Unrealized +119.5%

CARE CARTER BANKSHARES INC 0.0%

Value ($000) $253 (-10.4%) Shares 12,862 (-11.6%) Est. Cost $14.79 Unrealized +26.0%

DFIV DIMENSIONAL ETF TRUST 0.1%

Value ($000) $436 (-1.2%) Shares 8,729 (-8.7%) Est. Cost $33.54 Unrealized —

VB VANGUARD INDEX FDS 0.3%

Value ($000) $1,729 (-0.2%) Shares 6,702 (-1.6%) Est. Cost $215.94 Unrealized —

SCZ ISHARES TR 0.7%

Value ($000) $3,907 (-0.1%) Shares 50,388 (-1.1%) Est. Cost $72.01 Unrealized —

VV VANGUARD INDEX FDS 0.5%

Value ($000) $2,730 (-0.1%) Shares 8,673 (-2.3%) Est. Cost $207.93 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VUG	VANGUARD INDEX FDS	134,018 (-3.5%)	$65,382 (-1.9%)	11.1%	$276.58	—	GROWTH ETF	922908736
SPYV	SPDR SER TR	69,965 (-10.5%)	$3,975 (-8.1%)	0.7%	$44.60	—	PRTFLO S&P500 VL	78464A508
IWF	ISHARES TR	3,312 (-13.8%)	$1,567 (-12.9%)	0.3%	$260.62	—	RUS 1000 GRW ETF	464287614
VFMF	VANGUARD WELLINGTON FD	19,646 (-1.4%)	$2,961 (+3.0%)	0.5%	$101.00	—	US MULTIFACTOR	921935607
VEU	VANGUARD INTL EQUITY INDEX F	27,125 (-5.7%)	$1,995 (-2.8%)	0.3%	$59.08	—	ALLWRLD EX US	922042775
IWP	ISHARES TR	3,204 (-5.9%)	$439 (-9.5%)	0.1%	$109.25	—	RUS MD CP GR ETF	464287481
VOT	VANGUARD INDEX FDS	1,313 (-4.8%)	$367 (-9.5%)	0.1%	$236.41	—	MCAP GR IDXVIP	922908538
XOM	EXXON MOBIL CORP	12,623 (-4.3%)	$1,519 (+2.1%)	0.3%	$52.62	+119.5%	COM	30231G102
CARE	CARTER BANKSHARES INC	12,862 (-11.6%)	$253 (-10.4%)	0.0%	$14.79	+26.0%	COM NEW	146103106
DFIV	DIMENSIONAL ETF TRUST	8,729 (-8.7%)	$436 (-1.2%)	0.1%	$33.54	—	INTERNATNAL VAL	25434V807
VB	VANGUARD INDEX FDS	6,702 (-1.6%)	$1,729 (-0.2%)	0.3%	$215.94	—	SMALL CP ETF	922908751
SCZ	ISHARES TR	50,388 (-1.1%)	$3,907 (-0.1%)	0.7%	$72.01	—	EAFE SML CP ETF	464288273
VV	VANGUARD INDEX FDS	8,673 (-2.3%)	$2,730 (-0.1%)	0.5%	$207.93	—	LARGE CAP ETF	922908637

Unchanged Positions (75)

VEA VANGUARD TAX-MANAGED FDS 8.2%

Value ($000) $48,568 Shares 777,465 Est. Cost $49.05 Unrealized —

VNQ VANGUARD INDEX FDS 2.3%

Value ($000) $13,781 Shares 155,736 Est. Cost $97.25 Unrealized —

VBK VANGUARD INDEX FDS 3.4%

Value ($000) $19,953 Shares 66,046 Est. Cost $269.85 Unrealized —

VTI VANGUARD INDEX FDS 2.0%

Value ($000) $11,914 Shares 35,535 Est. Cost $217.45 Unrealized —

STLD STEEL DYNAMICS INC 0.2%

Value ($000) $1,181 Shares 6,970 Est. Cost $54.68 Unrealized +189.6%

VSS VANGUARD INTL EQUITY INDEX F 2.6%

Value ($000) $15,287 Shares 106,656 Est. Cost $128.58 Unrealized —

GOOGL ALPHABET INC 0.1%

Value ($000) $724 Shares 2,312 Est. Cost $119.67 Unrealized +138.7%

VOO VANGUARD INDEX FDS 1.1%

Value ($000) $6,632 Shares 10,575 Est. Cost $365.51 Unrealized —

AAPL APPLE INC 0.3%

Value ($000) $1,778 Shares 6,541 Est. Cost $129.01 Unrealized +108.0%

NSC NORFOLK SOUTHN CORP 0.5%

Value ($000) $2,707 Shares 9,376 Est. Cost $247.89 Unrealized +16.4%

SPYG SPDR SER TR 0.8%

Value ($000) $4,581 Shares 42,929 Est. Cost $64.71 Unrealized —

CAH CARDINAL HEALTH INC 0.1%

Value ($000) $444 Shares 2,163 Est. Cost $95.72 Unrealized +96.1%

NKSH NATIONAL BANKSHARES INC VA COM 0.1%

Value ($000) $719 Shares 21,431 Est. Cost $27.70 Unrealized +7.7%

EW EDWARDS LIFESCIENCES CORP 0.2%

Value ($000) $988 Shares 11,584 Est. Cost $94.26 Unrealized -12.9%

SLYV SPDR SER TR 0.5%

Value ($000) $2,855 Shares 31,389 Est. Cost $83.60 Unrealized —

MSFT MICROSOFT CORP 0.2%

Value ($000) $1,254 Shares 2,593 Est. Cost $319.82 Unrealized +56.5%

AMZN AMAZON COM INC 0.2%

Value ($000) $1,364 Shares 5,911 Est. Cost $126.26 Unrealized +81.2%

STX SEAGATE TECHNOLOGY HLDNGS PL 0.1%

Value ($000) $441 Shares 1,600 Est. Cost $102.43 Unrealized +152.8%

DHR DANAHER CORPORATION 0.1%

Value ($000) $432 Shares 1,888 Est. Cost $217.14 Unrealized +1.1%

WMT WALMART INC 0.1%

Value ($000) $699 Shares 6,275 Est. Cost $53.26 Unrealized +101.3%

JNJ JOHNSON & JOHNSON 0.1%

Value ($000) $536 Shares 2,590 Est. Cost $145.06 Unrealized +35.8%

TFC TRUIST FINL CORP 0.1%

Value ($000) $729 Shares 14,808 Est. Cost $46.72 Unrealized -2.0%

NKE NIKE INC 0.1%

Value ($000) $508 Shares 7,976 Est. Cost $125.67 Unrealized -48.4%

META META PLATFORMS INC 0.1%

Value ($000) $407 Shares 617 Est. Cost $323.40 Unrealized +106.3%

URI UNITED RENTALS INC 0.0%

Value ($000) $227 Shares 280 Est. Cost $888.48 Unrealized -2.4%

PG PROCTER AND GAMBLE CO 0.1%

Value ($000) $579 Shares 4,038 Est. Cost $136.06 Unrealized +8.2%

DFAX DIMENSIONAL ETF TRUST 0.1%

Value ($000) $814 Shares 24,881 Est. Cost $25.88 Unrealized —

GEV GE VERNOVA INC 0.1%

Value ($000) $608 Shares 930 Est. Cost $178.00 Unrealized +242.2%

EFA ISHARES TR 0.2%

Value ($000) $1,120 Shares 11,659 Est. Cost $79.57 Unrealized —

VO VANGUARD INDEX FDS 0.7%

Value ($000) $4,110 Shares 14,162 Est. Cost $231.07 Unrealized —

VXUS VANGUARD STAR FDS 0.2%

Value ($000) $1,397 Shares 18,517 Est. Cost $56.06 Unrealized —

IWD ISHARES TR 0.1%

Value ($000) $875 Shares 4,160 Est. Cost $154.64 Unrealized —

DFAT DIMENSIONAL ETF TRUST 0.2%

Value ($000) $1,138 Shares 19,107 Est. Cost $44.80 Unrealized —

VXF VANGUARD INDEX FDS 0.6%

Value ($000) $3,328 Shares 15,915 Est. Cost $161.38 Unrealized —

ABT ABBOTT LABS 0.1%

Value ($000) $351 Shares 2,799 Est. Cost $104.39 Unrealized +21.9%

LOW LOWES COS INC 0.1%

Value ($000) $567 Shares 2,350 Est. Cost $184.19 Unrealized +30.2%

CVS CVS HEALTH CORP 0.1%

Value ($000) $467 Shares 5,888 Est. Cost $70.25 Unrealized +12.0%

IVV ISHARES TR 0.2%

Value ($000) $970 Shares 1,417 Est. Cost $452.55 Unrealized —

DFAC DIMENSIONAL ETF TRUST 0.1%

Value ($000) $826 Shares 20,871 Est. Cost $27.01 Unrealized —

VWO VANGUARD INTL EQUITY INDEX F 2.8%

Value ($000) $16,518 Shares 307,263 Est. Cost $49.83 Unrealized —

CVX CHEVRON CORP 0.2%

Value ($000) $1,163 Shares 7,633 Est. Cost $150.46 Unrealized +0.6%

GLW CORNING INC 0.1%

Value ($000) $318 Shares 3,631 Est. Cost $64.97 Unrealized +32.3%

GE GE AEROSPACE 0.1%

Value ($000) $797 Shares 2,586 Est. Cost $80.32 Unrealized +274.5%

DFAE DIMENSIONAL ETF TRUST 0.1%

Value ($000) $480 Shares 14,750 Est. Cost $28.95 Unrealized —

SO SOUTHERN CO 0.0%

Value ($000) $208 Shares 2,386 Est. Cost $84.13 Unrealized +8.0%

AVGO BROADCOM INC 0.1%

Value ($000) $385 Shares 1,111 Est. Cost $162.39 Unrealized +119.8%

DFIS DIMENSIONAL ETF TRUST 0.1%

Value ($000) $409 Shares 12,403 Est. Cost $29.84 Unrealized —

SPEM SPDR INDEX SHS FDS 0.5%

Value ($000) $3,200 Shares 68,367 Est. Cost $40.14 Unrealized —

SPY SPDR S&P 500 ETF TR 0.1%

Value ($000) $628 Shares 922 Est. Cost $464.44 Unrealized —

TSLA TESLA INC 0.2%

Value ($000) $1,377 Shares 3,061 Est. Cost $301.28 Unrealized +47.1%

DFSV DIMENSIONAL ETF TRUST 0.1%

Value ($000) $413 Shares 12,558 Est. Cost $29.43 Unrealized —

SLYG SPDR SER TR 0.3%

Value ($000) $1,759 Shares 18,671 Est. Cost $84.40 Unrealized —

WMB WILLIAMS COS INC 0.0%

Value ($000) $243 Shares 4,045 Est. Cost $41.76 Unrealized +43.8%

CSX CSX CORP 0.1%

Value ($000) $573 Shares 15,816 Est. Cost $30.96 Unrealized +15.3%

VGK VANGUARD INTL EQUITY INDEX F 0.0%

Value ($000) $211 Shares 2,525 Est. Cost $79.80 Unrealized —

IVW ISHARES TR 0.1%

Value ($000) $443 Shares 3,597 Est. Cost $74.37 Unrealized —

SPAB SPDR SER TR 0.4%

Value ($000) $2,635 Shares 102,333 Est. Cost $25.40 Unrealized —

IVE ISHARES TR 0.0%

Value ($000) $291 Shares 1,373 Est. Cost $159.81 Unrealized —

PM PHILIP MORRIS INTL INC 0.1%

Value ($000) $652 Shares 4,066 Est. Cost $110.33 Unrealized +39.2%

UDR UDR INC 0.1%

Value ($000) $454 Shares 12,368 Est. Cost $39.57 Unrealized -10.2%

UNP UNION PAC CORP 0.0%

Value ($000) $278 Shares 1,200 Est. Cost $200.38 Unrealized +13.4%

IWN ISHARES TR 0.0%

Value ($000) $228 Shares 1,261 Est. Cost $157.81 Unrealized —

LRGF ISHARES TR 0.2%

Value ($000) $1,332 Shares 19,180 Est. Cost $42.83 Unrealized —

PFE PFIZER INC 0.0%

Value ($000) $214 Shares 8,604 Est. Cost $30.10 Unrealized -16.8%

IEMG ISHARES INC 0.0%

Value ($000) $234 Shares 3,479 Est. Cost $60.03 Unrealized —

IWV ISHARES TR 0.0%

Value ($000) $236 Shares 611 Est. Cost $351.00 Unrealized —

IJH ISHARES TR 0.1%

Value ($000) $360 Shares 5,453 Est. Cost $89.71 Unrealized —

IWS ISHARES TR 0.1%

Value ($000) $411 Shares 2,914 Est. Cost $113.78 Unrealized —

ABBV ABBVIE INC 0.1%

Value ($000) $301 Shares 1,317 Est. Cost $163.11 Unrealized +39.5%

IJR ISHARES TR 0.0%

Value ($000) $276 Shares 2,297 Est. Cost $112.33 Unrealized —

MCD MCDONALDS CORP 0.1%

Value ($000) $493 Shares 1,612 Est. Cost $228.04 Unrealized +33.8%

BRK/B BERKSHIRE HATHAWAY INC DEL 0.1%

Value ($000) $841 Shares 1,674 Est. Cost $304.89 Unrealized +63.2%

BIV VANGUARD BD INDEX FDS 0.2%

Value ($000) $1,410 Shares 18,101 Est. Cost $89.63 Unrealized —

AUB ATLANTIC UN BANKSHARES CORP 0.0%

Value ($000) $220 Shares 6,238 Est. Cost $33.19 Unrealized +2.0%

AGG ISHARES TR 0.1%

Value ($000) $570 Shares 5,708 Est. Cost $97.53 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VEA	VANGUARD TAX-MANAGED FDS	777,465	$48,568	8.2%	$49.05	—	VAN FTSE DEV MKT	921943858
VNQ	VANGUARD INDEX FDS	155,736	$13,781	2.3%	$97.25	—	REAL ESTATE ETF	922908553
VBK	VANGUARD INDEX FDS	66,046	$19,953	3.4%	$269.85	—	SML CP GRW ETF	922908595
VTI	VANGUARD INDEX FDS	35,535	$11,914	2.0%	$217.45	—	TOTAL STK MKT	922908769
STLD	STEEL DYNAMICS INC	6,970	$1,181	0.2%	$54.68	+189.6%	COM	858119100
VSS	VANGUARD INTL EQUITY INDEX F	106,656	$15,287	2.6%	$128.58	—	FTSE SMCAP ETF	922042718
GOOGL	ALPHABET INC	2,312	$724	0.1%	$119.67	+138.7%	CAP STK CL A	02079K305
VOO	VANGUARD INDEX FDS	10,575	$6,632	1.1%	$365.51	—	S&P 500 ETF SHS	922908363
AAPL	APPLE INC	6,541	$1,778	0.3%	$129.01	+108.0%	COM	037833100
NSC	NORFOLK SOUTHN CORP	9,376	$2,707	0.5%	$247.89	+16.4%	COM	655844108
SPYG	SPDR SER TR	42,929	$4,581	0.8%	$64.71	—	PRTFLO S&P500 GW	78464A409
CAH	CARDINAL HEALTH INC	2,163	$444	0.1%	$95.72	+96.1%	COM	14149Y108
NKSH	NATIONAL BANKSHARES INC VA COM	21,431	$719	0.1%	$27.70	+7.7%	COM	634865109
EW	EDWARDS LIFESCIENCES CORP	11,584	$988	0.2%	$94.26	-12.9%	COM	28176E108
SLYV	SPDR SER TR	31,389	$2,855	0.5%	$83.60	—	S&P 600 SMCP VAL	78464A300
MSFT	MICROSOFT CORP	2,593	$1,254	0.2%	$319.82	+56.5%	COM	594918104
AMZN	AMAZON COM INC	5,911	$1,364	0.2%	$126.26	+81.2%	COM	023135106
STX	SEAGATE TECHNOLOGY HLDNGS PL	1,600	$441	0.1%	$102.43	+152.8%	ORD SHS	G7997R103
DHR	DANAHER CORPORATION	1,888	$432	0.1%	$217.14	+1.1%	COM	235851102
WMT	WALMART INC	6,275	$699	0.1%	$53.26	+101.3%	COM	931142103
JNJ	JOHNSON & JOHNSON	2,590	$536	0.1%	$145.06	+35.8%	COM	478160104
TFC	TRUIST FINL CORP	14,808	$729	0.1%	$46.72	-2.0%	COM	89832Q109
NKE	NIKE INC	7,976	$508	0.1%	$125.67	-48.4%	CL B	654106103
META	META PLATFORMS INC	617	$407	0.1%	$323.40	+106.3%	CL A	30303M102
URI	UNITED RENTALS INC	280	$227	0.0%	$888.48	-2.4%	COM	911363109
PG	PROCTER AND GAMBLE CO	4,038	$579	0.1%	$136.06	+8.2%	COM	742718109
DFAX	DIMENSIONAL ETF TRUST	24,881	$814	0.1%	$25.88	—	WORLD EX US CORE	25434V880
GEV	GE VERNOVA INC	930	$608	0.1%	$178.00	+242.2%	COM	36828A101
EFA	ISHARES TR	11,659	$1,120	0.2%	$79.57	—	MSCI EAFE ETF	464287465
VO	VANGUARD INDEX FDS	14,162	$4,110	0.7%	$231.07	—	MID CAP ETF	922908629
VXUS	VANGUARD STAR FDS	18,517	$1,397	0.2%	$56.06	—	VG TL INTL STK F	921909768
IWD	ISHARES TR	4,160	$875	0.1%	$154.64	—	RUS 1000 VAL ETF	464287598
DFAT	DIMENSIONAL ETF TRUST	19,107	$1,138	0.2%	$44.80	—	US TARGETED VLU	25434V609
VXF	VANGUARD INDEX FDS	15,915	$3,328	0.6%	$161.38	—	EXTEND MKT ETF	922908652
ABT	ABBOTT LABS	2,799	$351	0.1%	$104.39	+21.9%	COM	002824100
LOW	LOWES COS INC	2,350	$567	0.1%	$184.19	+30.2%	COM	548661107
CVS	CVS HEALTH CORP	5,888	$467	0.1%	$70.25	+12.0%	COM	126650100
IVV	ISHARES TR	1,417	$970	0.2%	$452.55	—	CORE S&P500 ETF	464287200
DFAC	DIMENSIONAL ETF TRUST	20,871	$826	0.1%	$27.01	—	US CORE EQUITY 2	25434V708
VWO	VANGUARD INTL EQUITY INDEX F	307,263	$16,518	2.8%	$49.83	—	FTSE EMR MKT ETF	922042858
CVX	CHEVRON CORP	7,633	$1,163	0.2%	$150.46	+0.6%	COM	166764100
GLW	CORNING INC	3,631	$318	0.1%	$64.97	+32.3%	COM	219350105
GE	GE AEROSPACE	2,586	$797	0.1%	$80.32	+274.5%	COM NEW	369604301
DFAE	DIMENSIONAL ETF TRUST	14,750	$480	0.1%	$28.95	—	EMGR CRE EQT MNG	25434V302
SO	SOUTHERN CO	2,386	$208	0.0%	$84.13	+8.0%	COM	842587107
AVGO	BROADCOM INC	1,111	$385	0.1%	$162.39	+119.8%	COM	11135F101
DFIS	DIMENSIONAL ETF TRUST	12,403	$409	0.1%	$29.84	—	INTL SMALL CAP E	25434V773
SPEM	SPDR INDEX SHS FDS	68,367	$3,200	0.5%	$40.14	—	PORTFOLIO EMG MK	78463X509
SPY	SPDR S&P 500 ETF TR	922	$628	0.1%	$464.44	—	TR UNIT	78462F103
TSLA	TESLA INC	3,061	$1,377	0.2%	$301.28	+47.1%	COM	88160R101
DFSV	DIMENSIONAL ETF TRUST	12,558	$413	0.1%	$29.43	—	US SMALL CAP VAL	25434V815
SLYG	SPDR SER TR	18,671	$1,759	0.3%	$84.40	—	S&P 600 SMCP GRW	78464A201
WMB	WILLIAMS COS INC	4,045	$243	0.0%	$41.76	+43.8%	COM	969457100
CSX	CSX CORP	15,816	$573	0.1%	$30.96	+15.3%	COM	126408103
VGK	VANGUARD INTL EQUITY INDEX F	2,525	$211	0.0%	$79.80	—	FTSE EUROPE ETF	922042874
IVW	ISHARES TR	3,597	$443	0.1%	$74.37	—	S&P 500 GRWT ETF	464287309
SPAB	SPDR SER TR	102,333	$2,635	0.4%	$25.40	—	PORTFOLIO AGRGTE	78464A649
IVE	ISHARES TR	1,373	$291	0.0%	$159.81	—	S&P 500 VAL ETF	464287408
PM	PHILIP MORRIS INTL INC	4,066	$652	0.1%	$110.33	+39.2%	COM	718172109
UDR	UDR INC	12,368	$454	0.1%	$39.57	-10.2%	COM	902653104
UNP	UNION PAC CORP	1,200	$278	0.0%	$200.38	+13.4%	COM	907818108
IWN	ISHARES TR	1,261	$228	0.0%	$157.81	—	RUS 2000 VAL ETF	464287630
LRGF	ISHARES TR	19,180	$1,332	0.2%	$42.83	—	U S EQUITY FACTR	46434V282
PFE	PFIZER INC	8,604	$214	0.0%	$30.10	-16.8%	COM	717081103
IEMG	ISHARES INC	3,479	$234	0.0%	$60.03	—	CORE MSCI EMKT	46434G103
IWV	ISHARES TR	611	$236	0.0%	$351.00	—	RUSSELL 3000 ETF	464287689
IJH	ISHARES TR	5,453	$360	0.1%	$89.71	—	CORE S&P MCP ETF	464287507
IWS	ISHARES TR	2,914	$411	0.1%	$113.78	—	RUS MDCP VAL ETF	464287473
ABBV	ABBVIE INC	1,317	$301	0.1%	$163.11	+39.5%	COM	00287Y109
IJR	ISHARES TR	2,297	$276	0.0%	$112.33	—	CORE S&P SCP ETF	464287804
MCD	MCDONALDS CORP	1,612	$493	0.1%	$228.04	+33.8%	COM	580135101
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,674	$841	0.1%	$304.89	+63.2%	CL B NEW	084670702
BIV	VANGUARD BD INDEX FDS	18,101	$1,410	0.2%	$89.63	—	INTERMED TERM	921937819
AUB	ATLANTIC UN BANKSHARES CORP	6,238	$220	0.0%	$33.19	+2.0%	COM	04911A107
AGG	ISHARES TR	5,708	$570	0.1%	$97.53	—	CORE US AGGBD ET	464287226