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The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106   414,208 1,888 SH   SOLE 0 0 0 1,888
APPLE INC COM 037833100   719,762 2,874 SH   SOLE 0 0 0 2,874
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   393,900 869 SH   SOLE 0 0 0 869
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   206,813 4,035 SH   SOLE 0 0 0 4,035
ISHARES TR CORE MSCI EAFE 46432F842   23,176,129 329,768 SH   SOLE 0 0 0 329,768
ISHARES TR RUS 1000 GRW ETF 464287614   960,981 2,393 SH   SOLE 0 0 0 2,393
ISHARES TR GLOBAL TECH ETF 464287291   395,613 4,668 SH   SOLE 0 0 0 4,668
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   24,535,508 428,418 SH   SOLE 0 0 0 428,418
MICROSOFT CORP COM 594918104   679,335 1,612 SH   SOLE 0 0 0 1,612
NORFOLK SOUTHN CORP COM 655844108   821,908 3,502 SH   SOLE 0 0 0 3,502
NVIDIA CORPORATION COM 67066G104   865,270 6,443 SH   SOLE 0 0 0 6,443
PROCTER AND GAMBLE CO COM 742718109   293,892 1,753 SH   SOLE 0 0 0 1,753
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   7,706,158 282,070 SH   SOLE 0 0 0 282,070
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   210,693 7,560 SH   SOLE 0 0 0 7,560
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   239,138 562 SH   SOLE 0 0 0 562
SPDR S&P 500 ETF TR TR UNIT 78462F103   51,049,471 87,103 SH   SOLE 0 0 0 87,103
SPDR SER TR PORTFOLIO S&P500 78464A854   13,223,296 191,809 SH   SOLE 0 0 0 191,809
TESLA INC COM 88160R101   602,933 1,493 SH   SOLE 0 0 0 1,493
TOWNEBANK PORTSMOUTH VA COM 89214P109   299,258 8,786 SH   SOLE 0 0 0 8,786
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   11,641,683 63,095 SH   SOLE 0 0 0 63,095
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,082,581 2,009 SH   SOLE 0 0 0 2,009
VANGUARD INDEX FDS TOTAL STK MKT 922908769   260,607 899 SH   SOLE 0 0 0 899
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   624,245 14,175 SH   SOLE 0 0 0 14,175
VANGUARD MALVERN FDS CORE BD ETF 922020748   13,117,529 173,032 SH   SOLE 0 0 0 173,032
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,345,290 16,760 SH   SOLE 0 0 0 16,760
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   268,033 5,605 SH   SOLE 0 0 0 5,605
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   10,565,066 155,643 SH   SOLE 0 0 0 155,643
WALGREENS BOOTS ALLIANCE INC COM 931427108   93,300 10,000 SH   SOLE 0 0 0 10,000