Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
TFC	TRUIST FINL CORP	37,553	$1.871M	1.1%	$49.82	—	COM	89832Q109
META	META PLATFORMS INC	1,290	$727K	0.4%	$563.29	—	CL A	30303M102
CAT	CATERPILLAR INC	399	$425K	0.2%	$1064.90	—	COM	149123101
IVV	ISHARES TR	366	$274K	0.2%	$748.89	—	CORE S&P500 ETF	464287200
GEV	GE VERNOVA INC	229	$269K	0.2%	$1174.86	—	COM	36828A101
GLW	CORNING INC	942	$241K	0.1%	$255.43	—	COM	219350105
CSCO	CISCO SYS INC	1,984	$233K	0.1%	$117.46	—	COM	17275R102
KLAC	KLA CORP	740	$223K	0.1%	$301.71	—	COM NEW	482480100
IBM	INTERNATIONAL BUSINESS MACHS	775	$218K	0.1%	$281.21	—	COM	459200101
EXI	ISHARES TR	1,050	$211K	0.1%	$200.50	—	GLOB INDSTRL ETF	464288729
NVDA	NVIDIA CORPORATION	1,030	$206K	0.1%	$200.09	—	COM	67066G104

Increased Positions (18)

VTI VANGUARD INDEX FDS 11.9%

Value $20.7M (+20.4%) Shares 55,936 (+4.3%) Est. Cost $242.74 Unrealized —

VGT VANGUARD WORLD FD 3.4%

Value $5.89M (+37.0%) Shares 49,280 (+700.0%) Est. Cost $168.13 Unrealized —

VXUS VANGUARD STAR FDS 6.8%

Value $11.88M (+15.3%) Shares 139,022 (+4.0%) Est. Cost $59.43 Unrealized —

V VISA INC 0.6%

Value $966K (+291.4%) Shares 2,817 (+244.8%) Est. Cost $331.25 Unrealized —

AAPL APPLE INC 0.7%

Value $1.295M (+98.7%) Shares 4,474 (+74.3%) Est. Cost $229.84 Unrealized —

VOO VANGUARD INDEX FDS 1.4%

Value $2.518M (+22.1%) Shares 3,666 (+6.2%) Est. Cost $522.44 Unrealized —

JPM JPMORGAN CHASE & CO 0.4%

Value $753K (+99.1%) Shares 2,301 (+78.9%) Est. Cost $255.81 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 0.8%

Value $1.467M (+22.4%) Shares 20,594 (+10.1%) Est. Cost $50.96 Unrealized —

AMZN AMAZON COM INC 0.2%

Value $353K (+68.4%) Shares 1,482 (+47.2%) Est. Cost $210.85 Unrealized —

IWF ISHARES TR 0.4%

Value $659K (+16.5%) Shares 5,310 (+299.8%) Est. Cost $184.26 Unrealized —

GE GE AEROSPACE 0.2%

Value $348K (+33.7%) Shares 931 (+1.5%) Est. Cost $226.27 Unrealized —

BOTJ BANK OF THE JAMES FINL GP IN 0.2%

Value $339K (+31.5%) Shares 13,297 (+6.1%) Est. Cost $10.70 Unrealized —

GOOG ALPHABET INC 0.2%

Value $383K (+24.7%) Shares 1,084 (+1.2%) Est. Cost $171.09 Unrealized —

VO VANGUARD INDEX FDS 0.3%

Value $506K (+12.2%) Shares 6,284 (+300.0%) Est. Cost $118.59 Unrealized —

XLC SELECT SECTOR SPDR TR 1.1%

Value $1.883M (-1.2%) Shares 17,577 (+2.2%) Est. Cost $74.60 Unrealized —

JNJ JOHNSON & JOHNSON 0.1%

Value $247K (+5.5%) Shares 973 (+1.6%) Est. Cost $228.28 Unrealized —

CVX CHEVRON CORPORATION 0.1%

Value $242K (-3.3%) Shares 1,458 (+20.7%) Est. Cost $170.82 Unrealized —

TJX TJX COS INC NEW 0.1%

Value $203K (-3.8%) Shares 1,338 (+1.4%) Est. Cost $147.75 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VTI	VANGUARD INDEX FDS	55,936 (+4.3%)	$20.7M (+20.4%)	11.9%	$242.74	—	TOTAL STK MKT	922908769
VGT	VANGUARD WORLD FD	49,280 (+700.0%)	$5.89M (+37.0%)	3.4%	$168.13	—	INF TECH ETF	92204A702
VXUS	VANGUARD STAR FDS	139,022 (+4.0%)	$11.88M (+15.3%)	6.8%	$59.43	—	VG TL INTL STK F	921909768
V	VISA INC	2,817 (+244.8%)	$966K (+291.4%)	0.6%	$331.25	—	COM CL A	92826C839
AAPL	APPLE INC	4,474 (+74.3%)	$1.295M (+98.7%)	0.7%	$229.84	—	COM	037833100
VOO	VANGUARD INDEX FDS	3,666 (+6.2%)	$2.518M (+22.1%)	1.4%	$522.44	—	S&P 500 ETF SHS	922908363
JPM	JPMORGAN CHASE & CO	2,301 (+78.9%)	$753K (+99.1%)	0.4%	$255.81	—	COM	46625H100
VEA	VANGUARD TAX-MANAGED FDS	20,594 (+10.1%)	$1.467M (+22.4%)	0.8%	$50.96	—	VAN FTSE DEV MKT	921943858
AMZN	AMAZON COM INC	1,482 (+47.2%)	$353K (+68.4%)	0.2%	$210.85	—	COM	023135106
IWF	ISHARES TR	5,310 (+299.8%)	$659K (+16.5%)	0.4%	$184.26	—	RUS 1000 GRW ETF	464287614
GE	GE AEROSPACE	931 (+1.5%)	$348K (+33.7%)	0.2%	$226.27	—	COM NEW	369604301
BOTJ	BANK OF THE JAMES FINL GP IN	13,297 (+6.1%)	$339K (+31.5%)	0.2%	$10.70	—	COM	470299108
GOOG	ALPHABET INC	1,084 (+1.2%)	$383K (+24.7%)	0.2%	$171.09	—	CAP STK CL C	02079K107
VO	VANGUARD INDEX FDS	6,284 (+300.0%)	$506K (+12.2%)	0.3%	$118.59	—	MID CAP ETF	922908629
XLC	SELECT SECTOR SPDR TR	17,577 (+2.2%)	$1.883M (-1.2%)	1.1%	$74.60	—	ST STR SVC ETF	81369Y852
JNJ	JOHNSON & JOHNSON	973 (+1.6%)	$247K (+5.5%)	0.1%	$228.28	—	COM	478160104
CVX	CHEVRON CORPORATION	1,458 (+20.7%)	$242K (-3.3%)	0.1%	$170.82	—	COM	166764100
TJX	TJX COS INC NEW	1,338 (+1.4%)	$203K (-3.8%)	0.1%	$147.75	—	COM	872540109

Decreased Positions (16)

XLK SELECT SECTOR SPDR TR 7.7%

Value $13.41M (+41.5%) Shares 70,377 (-1.3%) Est. Cost $168.73 Unrealized —

ITOT ISHARES TR 17.6%

Value $30.59M (+12.0%) Shares 186,235 (-2.9%) Est. Cost $109.02 Unrealized —

IXUS ISHARES TR 12.1%

Value $21.07M (+7.3%) Shares 220,795 (-2.6%) Est. Cost $65.10 Unrealized —

IXN ISHARES TR 0.4%

Value $640K (+39.4%) Shares 4,429 (-3.5%) Est. Cost $78.60 Unrealized —

XLE SELECT SECTOR SPDR TR 0.5%

Value $833K (-16.6%) Shares 15,688 (-3.8%) Est. Cost $64.67 Unrealized —

SPY STATE STR SPDR S&P 500 ETF T 0.9%

Value $1.6M (+10.8%) Shares 2,143 (-3.5%) Est. Cost $477.24 Unrealized —

DJP BARCLAYS BANK PLC 0.4%

Value $709K (-14.9%) Shares 16,210 (-6.3%) Est. Cost $31.35 Unrealized —

XLV SELECT SECTOR SPDR TR 1.8%

Value $3.066M (+3.5%) Shares 19,325 (-4.3%) Est. Cost $136.38 Unrealized —

MDY STATE STR SPDR S&P MIDCAP 40 0.5%

Value $892K (+11.1%) Shares 1,268 (-2.5%) Est. Cost $516.28 Unrealized —

VUSB VANGUARD BD INDEX FDS 0.9%

Value $1.62M (-2.3%) Shares 32,553 (-2.3%) Est. Cost $49.44 Unrealized —

XLP SELECT SECTOR SPDR TR 0.8%

Value $1.336M (-2.7%) Shares 16,079 (-3.9%) Est. Cost $72.03 Unrealized —

IEMG ISHARES INC 0.2%

Value $272K (+14.4%) Shares 3,286 (-3.6%) Est. Cost $53.72 Unrealized —

XLRE SELECT SECTOR SPDR TR 0.3%

Value $561K (+4.8%) Shares 12,738 (-2.9%) Est. Cost $40.05 Unrealized —

IEFA ISHARES TR 0.3%

Value $505K (+5.3%) Shares 5,226 (-1.3%) Est. Cost $70.35 Unrealized —

IXG ISHARES TR 0.2%

Value $308K (+5.4%) Shares 2,470 (-3.5%) Est. Cost $111.25 Unrealized —

XLB SELECT SECTOR SPDR TR 0.4%

Value $765K (-1.0%) Shares 15,051 (-2.6%) Est. Cost $65.68 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
XLK	SELECT SECTOR SPDR TR	70,377 (-1.3%)	$13.41M (+41.5%)	7.7%	$168.73	—	ST STR TECHN ETF	81369Y803
ITOT	ISHARES TR	186,235 (-2.9%)	$30.59M (+12.0%)	17.6%	$109.02	—	CORE S&P TTL STK	464287150
IXUS	ISHARES TR	220,795 (-2.6%)	$21.07M (+7.3%)	12.1%	$65.10	—	CORE MSCI TOTAL	46432F834
IXN	ISHARES TR	4,429 (-3.5%)	$640K (+39.4%)	0.4%	$78.60	—	GLOBAL TECH ETF	464287291
XLE	SELECT SECTOR SPDR TR	15,688 (-3.8%)	$833K (-16.6%)	0.5%	$64.67	—	ST STR ENERG ETF	81369Y506
SPY	STATE STR SPDR S&P 500 ETF T	2,143 (-3.5%)	$1.6M (+10.8%)	0.9%	$477.24	—	TR UNIT	78462F103
DJP	BARCLAYS BANK PLC	16,210 (-6.3%)	$709K (-14.9%)	0.4%	$31.35	—	DJUBS CMDT ETN36	06738C778
XLV	SELECT SECTOR SPDR TR	19,325 (-4.3%)	$3.066M (+3.5%)	1.8%	$136.38	—	ST STR CARE ETF	81369Y209
MDY	STATE STR SPDR S&P MIDCAP 40	1,268 (-2.5%)	$892K (+11.1%)	0.5%	$516.28	—	UTSER1 S&PDCRP	78467Y107
VUSB	VANGUARD BD INDEX FDS	32,553 (-2.3%)	$1.62M (-2.3%)	0.9%	$49.44	—	VANGUARD ULTRA	92203C303
XLP	SELECT SECTOR SPDR TR	16,079 (-3.9%)	$1.336M (-2.7%)	0.8%	$72.03	—	ST STR STAPL ETF	81369Y308
IEMG	ISHARES INC	3,286 (-3.6%)	$272K (+14.4%)	0.2%	$53.72	—	CORE MSCI EMKT	46434G103
XLRE	SELECT SECTOR SPDR TR	12,738 (-2.9%)	$561K (+4.8%)	0.3%	$40.05	—	ST STR REAL ETF	81369Y860
IEFA	ISHARES TR	5,226 (-1.3%)	$505K (+5.3%)	0.3%	$70.35	—	CORE MSCI EAFE	46432F842
IXG	ISHARES TR	2,470 (-3.5%)	$308K (+5.4%)	0.2%	$111.25	—	GLOBAL FINLS ETF	464287333
XLB	SELECT SECTOR SPDR TR	15,051 (-2.6%)	$765K (-1.0%)	0.4%	$65.68	—	ST STR MATER ETF	81369Y100

Unchanged Positions (33)

VXF VANGUARD INDEX FDS 3.7%

Value $6.346M Shares 25,776 Est. Cost $166.49 Unrealized —

XLI SELECT SECTOR SPDR TR 2.0%

Value $3.431M Shares 18,522 Est. Cost $113.99 Unrealized —

XLF SELECT SECTOR SPDR TR 1.9%

Value $3.35M Shares 62,493 Est. Cost $37.89 Unrealized —

VIS VANGUARD WORLD FD 0.9%

Value $1.649M Shares 4,576 Est. Cost $227.82 Unrealized —

XLY SELECT SECTOR SPDR TR 1.8%

Value $3.201M Shares 27,294 Est. Cost $148.61 Unrealized —

VFH VANGUARD WORLD FD 1.4%

Value $2.451M Shares 18,625 Est. Cost $95.31 Unrealized —

VV VANGUARD INDEX FDS 0.9%

Value $1.516M Shares 4,407 Est. Cost $218.15 Unrealized —

VHT VANGUARD WORLD FD 1.2%

Value $2.167M Shares 7,246 Est. Cost $256.25 Unrealized —

VCR VANGUARD WORLD FD 1.0%

Value $1.709M Shares 4,308 Est. Cost $308.57 Unrealized —

TSM TAIWAN SEMICONDUCTOR MANUFAC 0.3%

Value $504K Shares 1,055 Est. Cost $226.49 Unrealized —

VEU VANGUARD INTL EQUITY INDEX F 0.9%

Value $1.489M Shares 17,774 Est. Cost $56.14 Unrealized —

TSLA TESLA INC 0.6%

Value $1.114M Shares 2,649 Est. Cost $324.85 Unrealized —

VDE VANGUARD WORLD FD 0.4%

Value $774K Shares 5,156 Est. Cost $120.66 Unrealized —

GOOGL ALPHABET INC 0.3%

Value $566K Shares 1,584 Est. Cost $167.35 Unrealized —

VZ VERIZON COMMUNICATIONS INC 0.2%

Value $267K Shares 6,296 Est. Cost $33.10 Unrealized —

VT VANGUARD INTL EQUITY INDEX F 0.2%

Value $413K Shares 2,634 Est. Cost $102.89 Unrealized —

VOX VANGUARD WORLD FD 1.2%

Value $2.126M Shares 11,555 Est. Cost $121.62 Unrealized —

ESGU ISHARES TR 0.2%

Value $298K Shares 1,819 Est. Cost $104.92 Unrealized —

GS GOLDMAN SACHS GROUP INC 0.1%

Value $246K Shares 243 Est. Cost $571.74 Unrealized —

BAC BANK OF AMER CORP 0.1%

Value $254K Shares 4,449 Est. Cost $53.66 Unrealized —

VNQ VANGUARD INDEX FDS 0.3%

Value $469K Shares 4,860 Est. Cost $87.10 Unrealized —

COF CAPITAL ONE FINL CORP 0.2%

Value $359K Shares 1,791 Est. Cost $176.15 Unrealized —

VTV VANGUARD INDEX FDS 0.1%

Value $258K Shares 1,183 Est. Cost $174.57 Unrealized —

TRGP TARGA RES CORP 0.2%

Value $377K Shares 1,406 Est. Cost $82.03 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.2%

Value $416K Shares 831 Est. Cost $354.11 Unrealized —

EFA ISHARES TR 0.1%

Value $246K Shares 2,364 Est. Cost $89.39 Unrealized —

MSFT MICROSOFT CORP 0.4%

Value $708K Shares 1,897 Est. Cost $378.64 Unrealized —

XLU SELECT SECTOR SPDR TR 0.4%

Value $775K Shares 17,100 Est. Cost $53.17 Unrealized —

VAW VANGUARD WORLD FD 0.2%

Value $356K Shares 1,557 Est. Cost $191.90 Unrealized —

VPU VANGUARD WORLD FD 0.2%

Value $395K Shares 2,017 Est. Cost $139.24 Unrealized —

FBND FIDELITY MERRIMACK STR TR 0.3%

Value $531K Shares 11,683 Est. Cost $46.04 Unrealized —

VDC VANGUARD WORLD FD 0.6%

Value $1.093M Shares 4,848 Est. Cost $194.24 Unrealized —

RTX RTX CORPORATION 0.1%

Value $231K Shares 1,220 Est. Cost $124.76 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VXF	VANGUARD INDEX FDS	25,776	$6.346M	3.7%	$166.49	—	EXTEND MKT ETF	922908652
XLI	SELECT SECTOR SPDR TR	18,522	$3.431M	2.0%	$113.99	—	ST STR INDL ETF	81369Y704
XLF	SELECT SECTOR SPDR TR	62,493	$3.35M	1.9%	$37.89	—	ST STR FINL ETF	81369Y605
VIS	VANGUARD WORLD FD	4,576	$1.649M	0.9%	$227.82	—	INDUSTRIAL ETF	92204A603
XLY	SELECT SECTOR SPDR TR	27,294	$3.201M	1.8%	$148.61	—	ST STR DISCR ETF	81369Y407
VFH	VANGUARD WORLD FD	18,625	$2.451M	1.4%	$95.31	—	FINANCIALS ETF	92204A405
VV	VANGUARD INDEX FDS	4,407	$1.516M	0.9%	$218.15	—	LARGE CAP ETF	922908637
VHT	VANGUARD WORLD FD	7,246	$2.167M	1.2%	$256.25	—	HEALTH CAR ETF	92204A504
VCR	VANGUARD WORLD FD	4,308	$1.709M	1.0%	$308.57	—	CONSUM DIS ETF	92204A108
TSM	TAIWAN SEMICONDUCTOR MANUFAC	1,055	$504K	0.3%	$226.49	—	SPONSORED ADS	874039100
VEU	VANGUARD INTL EQUITY INDEX F	17,774	$1.489M	0.9%	$56.14	—	ALLWRLD EX US	922042775
TSLA	TESLA INC	2,649	$1.114M	0.6%	$324.85	—	COM	88160R101
VDE	VANGUARD WORLD FD	5,156	$774K	0.4%	$120.66	—	ENERGY ETF	92204A306
GOOGL	ALPHABET INC	1,584	$566K	0.3%	$167.35	—	CAP STK CL A	02079K305
VZ	VERIZON COMMUNICATIONS INC	6,296	$267K	0.2%	$33.10	—	COM	92343V104
VT	VANGUARD INTL EQUITY INDEX F	2,634	$413K	0.2%	$102.89	—	TT WRLD ST ETF	922042742
VOX	VANGUARD WORLD FD	11,555	$2.126M	1.2%	$121.62	—	COMM SRVC ETF	92204A884
ESGU	ISHARES TR	1,819	$298K	0.2%	$104.92	—	ESG AWR MSCI USA	46435G425
GS	GOLDMAN SACHS GROUP INC	243	$246K	0.1%	$571.74	—	COM	38141G104
BAC	BANK OF AMER CORP	4,449	$254K	0.1%	$53.66	—	COM	060505104
VNQ	VANGUARD INDEX FDS	4,860	$469K	0.3%	$87.10	—	REAL ESTATE ETF	922908553
COF	CAPITAL ONE FINL CORP	1,791	$359K	0.2%	$176.15	—	COM	14040H105
VTV	VANGUARD INDEX FDS	1,183	$258K	0.1%	$174.57	—	VALUE ETF	922908744
TRGP	TARGA RES CORP	1,406	$377K	0.2%	$82.03	—	COM	87612G101
BRK/B	BERKSHIRE HATHAWAY INC DEL	831	$416K	0.2%	$354.11	—	CL B NEW	084670702
EFA	ISHARES TR	2,364	$246K	0.1%	$89.39	—	MSCI EAFE ETF	464287465
MSFT	MICROSOFT CORP	1,897	$708K	0.4%	$378.64	—	COM	594918104
XLU	SELECT SECTOR SPDR TR	17,100	$775K	0.4%	$53.17	—	ST STR UTIL ETF	81369Y886
VAW	VANGUARD WORLD FD	1,557	$356K	0.2%	$191.90	—	MATERIALS ETF	92204A801
VPU	VANGUARD WORLD FD	2,017	$395K	0.2%	$139.24	—	UTILITIES ETF	92204A876
FBND	FIDELITY MERRIMACK STR TR	11,683	$531K	0.3%	$46.04	—	TOTAL BD ETF	316188309
VDC	VANGUARD WORLD FD	4,848	$1.093M	0.6%	$194.24	—	CONSUM STP ETF	92204A207
RTX	RTX CORPORATION	1,220	$231K	0.1%	$124.76	—	COM	75513E101