The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
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
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 808 4,067 SH   SOLE   4,067 0 0
ABBOTT LABS COM 002824100 6,320 54,513 SH   SOLE   54,513 0 0
ABBVIE INC COM 00287Y109 4,745 42,127 SH   SOLE   42,127 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 3,844 6,564 SH   SOLE   6,564 0 0
AFLAC INC COM 001055102 342 6,377 SH   SOLE   6,377 0 0
ALPHABET INC CAP STK CL C 02079K107 945 377 SH   SOLE   377 0 0
ALPHABET INC CAP STK CL A 02079K305 10,595 4,339 SH   SOLE   4,339 0 0
ALTRIA GROUP INC COM 02209S103 705 14,791 SH   SOLE   14,791 0 0
AMAZON COM INC COM 023135106 5,938 1,726 SH   SOLE   1,726 0 0
AMERICAN ELEC PWR CO INC COM 025537101 436 5,157 SH   SOLE   5,157 0 0
AMERICAN EXPRESS CO COM 025816109 251 1,519 SH   SOLE   1,519 0 0
AMERICAN TOWER CORP NEW COM 03027X100 1,924 7,124 SH   SOLE   7,124 0 0
AMGEN INC COM 031162100 557 2,285 SH   SOLE   2,285 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 1,949 27,072 SH   SOLE   27,072 0 0
ANTHEM INC COM 036752103 2,009 5,263 SH   SOLE   5,263 0 0
APPLE INC COM 037833100 16,933 123,632 SH   SOLE   123,632 0 0
APPLIED MATLS INC COM 038222105 313 2,200 SH   SOLE   2,200 0 0
AT&T INC COM 00206R102 2,138 74,280 SH   SOLE   74,280 0 0
ATLANTIC UN BANKSHARES CORP COM 04911A107 207 5,725 SH   SOLE   5,725 0 0
BANK OF THE JAMES FINL GP IN COM 470299108 2,814 175,855 SH   SOLE   175,855 0 0
BARNES GROUP INC COM 067806109 641 12,509 SH   SOLE   12,509 0 0
BECTON DICKINSON & CO COM 075887109 662 2,723 SH   SOLE   2,723 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 9,237 33,237 SH   SOLE   33,237 0 0
BK OF AMERICA CORP COM 060505104 8,649 209,776 SH   SOLE   209,776 0 0
BOEING CO COM 097023105 2,752 11,486 SH   SOLE   11,486 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 468 7,009 SH   SOLE   7,009 0 0
CANADIAN NATL RY CO COM 136375102 382 3,616 SH   SOLE   3,616 0 0
CARMAX INC COM 143130102 400 3,100 SH   SOLE   3,100 0 0
CHEVRON CORP NEW COM 166764100 4,858 46,380 SH   SOLE   46,380 0 0
CINCINNATI FINL CORP COM 172062101 426 3,650 SH   SOLE   3,650 0 0
CISCO SYS INC COM 17275R102 5,963 112,505 SH   SOLE   112,505 0 0
COCA COLA CO COM 191216100 997 18,423 SH   SOLE   18,423 0 0
COMCAST CORP NEW CL A 20030N101 5,904 103,535 SH   SOLE   103,535 0 0
CONSOLIDATED EDISON INC COM 209115104 201 2,800 SH   SOLE   2,800 0 0
COSTCO WHSL CORP NEW COM 22160K105 337 852 SH   SOLE   852 0 0
CSX CORP COM 126408103 772 24,075 SH   SOLE   24,075 0 0
CVS HEALTH CORP COM 126650100 7,168 85,911 SH   SOLE   85,911 0 0
DISNEY WALT CO COM 254687106 9,251 52,631 SH   SOLE   52,631 0 0
DOMINION ENERGY INC COM 25746U109 5,268 71,599 SH   SOLE   71,599 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,813 18,370 SH   SOLE   18,370 0 0
EMERSON ELEC CO COM 291011104 322 3,341 SH   SOLE   3,341 0 0
ENBRIDGE INC COM 29250N105 2,920 72,919 SH   SOLE   72,919 0 0
EXPEDIA GROUP INC COM NEW 30212P303 241 1,473 SH   SOLE   1,473 0 0
EXXON MOBIL CORP COM 30231G102 6,885 109,148 SH   SOLE   109,148 0 0
FACEBOOK INC CL A 30303M102 2,234 6,426 SH   SOLE   6,426 0 0
FEDEX CORP COM 31428X106 6,418 21,512 SH   SOLE   21,512 0 0
GENERAL ELECTRIC CO COM 369604103 295 21,951 SH   SOLE   21,951 0 0
GENERAL MLS INC COM 370334104 454 7,450 SH   SOLE   7,450 0 0
GENERAL MTRS CO COM 37045V100 855 14,446 SH   SOLE   14,446 0 0
HOME DEPOT INC COM 437076102 11,196 35,109 SH   SOLE   35,109 0 0
HONEYWELL INTL INC COM 438516106 7,336 33,442 SH   SOLE   33,442 0 0
INTEL CORP COM 458140100 1,831 32,613 SH   SOLE   32,613 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,614 13,595 SH   SOLE   13,595 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 875 5,968 SH   SOLE   5,968 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 7,230 20,398 SH   SOLE   20,398 0 0
ISHARES TR SELECT DIVID ETF 464287168 229 1,965 SH   SOLE   1,965 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,430 3,327 SH   SOLE   3,327 0 0
ISHARES TR CORE US AGGBD ET 464287226 6,754 58,565 SH   SOLE   58,565 0 0
ISHARES TR IBOXX INV CP ETF 464287242 873 6,500 SH   SOLE   6,500 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 363 4,216 SH   SOLE   4,216 0 0
ISHARES TR MSCI EAFE ETF 464287465 223 2,831 SH   SOLE   2,831 0 0
ISHARES TR CORE S&P MCP ETF 464287507 6,542 24,344 SH   SOLE   24,344 0 0
ISHARES TR ISHARES BIOTECH 464287556 263 1,605 SH   SOLE   1,605 0 0
ISHARES TR U.S. CNSM SV ETF 464287580 437 5,628 SH   SOLE   5,628 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 343 2,160 SH   SOLE   2,160 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 413 1,521 SH   SOLE   1,521 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 546 2,381 SH   SOLE   2,381 0 0
ISHARES TR S&P MC 400VL ETF 464287705 329 3,120 SH   SOLE   3,120 0 0
ISHARES TR U.S. TECH ETF 464287721 4,115 41,403 SH   SOLE   41,403 0 0
ISHARES TR US INDUSTRIALS 464287754 247 2,220 SH   SOLE   2,220 0 0
ISHARES TR US HLTHCARE ETF 464287762 5,597 20,513 SH   SOLE   20,513 0 0
ISHARES TR U.S. FINLS ETF 464287788 3,835 47,315 SH   SOLE   47,315 0 0
ISHARES TR CORE S&P SCP ETF 464287804 3,111 27,538 SH   SOLE   27,538 0 0
ISHARES TR EUROPE ETF 464287861 250 4,691 SH   SOLE   4,691 0 0
ISHARES TR NATIONAL MUN ETF 464288414 423 3,612 SH   SOLE   3,612 0 0
ISHARES TR INTRM GOV CR ETF 464288612 798 6,898 SH   SOLE   6,898 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 2,205 36,440 SH   SOLE   36,440 0 0
ISHARES TR PFD AND INCM SEC 464288687 3,657 92,965 SH   SOLE   92,965 0 0
ISHARES TR US AER DEF ETF 464288760 287 2,620 SH   SOLE   2,620 0 0
ISHARES TR US REGNL BKS ETF 464288778 384 6,675 SH   SOLE   6,675 0 0
ISHARES TR U.S. MED DVC ETF 464288810 743 2,059 SH   SOLE   2,059 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 865 17,025 SH   SOLE   17,025 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,312 13,595 SH   SOLE   13,595 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 427 5,806 SH   SOLE   5,806 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 8,918 172,057 SH   SOLE   172,057 0 0
JOHNSON & JOHNSON COM 478160104 9,250 56,152 SH   SOLE   56,152 0 0
JPMORGAN CHASE & CO COM 46625H100 9,968 64,087 SH   SOLE   64,087 0 0
KIMBERLY-CLARK CORP COM 494368103 2,446 18,285 SH   SOLE   18,285 0 0
LILLY ELI & CO COM 532457108 435 1,896 SH   SOLE   1,896 0 0
LINCOLN NATL CORP IND COM 534187109 330 5,257 SH   SOLE   5,257 0 0
LOCKHEED MARTIN CORP COM 539830109 347 917 SH   SOLE   917 0 0
LOWES COS INC COM 548661107 765 3,946 SH   SOLE   3,946 0 0
MCDONALDS CORP COM 580135101 1,451 6,281 SH   SOLE   6,281 0 0
MEDTRONIC PLC SHS G5960L103 4,454 35,882 SH   SOLE   35,882 0 0
MERCK & CO INC COM 58933Y105 1,791 23,031 SH   SOLE   23,031 0 0
MICROSOFT CORP COM 594918104 19,208 70,903 SH   SOLE   70,903 0 0
MONDELEZ INTL INC CL A 609207105 490 7,852 SH   SOLE   7,852 0 0
NEXTERA ENERGY INC COM 65339F101 423 5,768 SH   SOLE   5,768 0 0
NIKE INC CL B 654106103 570 3,687 SH   SOLE   3,687 0 0
NORFOLK SOUTHN CORP COM 655844108 7,133 26,876 SH   SOLE   26,876 0 0
NUVEEN MUN VALUE FD INC COM 670928100 845 73,314 SH   SOLE   73,314 0 0
ORACLE CORP COM 68389X105 1,717 22,057 SH   SOLE   22,057 0 0
PAYPAL HLDGS INC COM 70450Y103 509 1,745 SH   SOLE   1,745 0 0
PEPSICO INC COM 713448108 9,080 61,278 SH   SOLE   61,278 0 0
PFIZER INC COM 717081103 2,600 66,387 SH   SOLE   66,387 0 0
PHILIP MORRIS INTL INC COM 718172109 1,354 13,663 SH   SOLE   13,663 0 0
PROCTER AND GAMBLE CO COM 742718109 10,800 80,045 SH   SOLE   80,045 0 0
QUALCOMM INC COM 747525103 217 1,515 SH   SOLE   1,515 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 5,206 61,028 SH   SOLE   61,028 0 0
ROCKWELL AUTOMATION INC COM 773903109 313 1,095 SH   SOLE   1,095 0 0
SCHWAB CHARLES CORP COM 808513105 1,182 16,227 SH   SOLE   16,227 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,065 10,239 SH   SOLE   10,239 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,062 10,198 SH   SOLE   10,198 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 247 1,965 SH   SOLE   1,965 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,589 8,900 SH   SOLE   8,900 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,039 37,845 SH   SOLE   37,845 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 304 8,280 SH   SOLE   8,280 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 417 4,075 SH   SOLE   4,075 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,116 7,559 SH   SOLE   7,559 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 731 11,565 SH   SOLE   11,565 0 0
SHERWIN WILLIAMS CO COM 824348106 704 2,583 SH   SOLE   2,583 0 0
SOUTHERN CO COM 842587107 2,862 47,305 SH   SOLE   47,305 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 17,993 42,034 SH   SOLE   42,034 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 4,075 130,195 SH   SOLE   130,195 0 0
SPDR SER TR S&P DIVID ETF 78464A763 4,828 39,484 SH   SOLE   39,484 0 0
STARBUCKS CORP COM 855244109 1,877 16,787 SH   SOLE   16,787 0 0
SYNOVUS FINL CORP COM NEW 87161C501 456 10,392 SH   SOLE   10,392 0 0
TEXAS INSTRS INC COM 882508104 261 1,359 SH   SOLE   1,359 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 485 961 SH   SOLE   961 0 0
TRUIST FINL CORP COM 89832Q109 4,538 81,757 SH   SOLE   81,757 0 0
UNION PAC CORP COM 907818108 1,964 8,932 SH   SOLE   8,932 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,314 6,319 SH   SOLE   6,319 0 0
US BANCORP DEL COM NEW 902973304 218 3,825 SH   SOLE   3,825 0 0
V F CORP COM 918204108 744 9,068 SH   SOLE   9,068 0 0
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 215 940 SH   SOLE   940 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 504 2,430 SH   SOLE   2,430 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,524 41,032 SH   SOLE   41,032 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 797 15,900 SH   SOLE   15,900 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,937 7,464 SH   SOLE   7,464 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 388 1,634 SH   SOLE   1,634 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 500 2,491 SH   SOLE   2,491 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 444 1,549 SH   SOLE   1,549 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 231 1,680 SH   SOLE   1,680 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 837 3,715 SH   SOLE   3,715 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 737 3,306 SH   SOLE   3,306 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 344 5,421 SH   SOLE   5,421 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 322 6,139 SH   SOLE   6,139 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 13,241 160,095 SH   SOLE   160,095 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 11,506 74,334 SH   SOLE   74,334 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,030 15,688 SH   SOLE   15,688 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 312 1,350 SH   SOLE   1,350 0 0
VENTAS INC COM 92276F100 1,372 24,025 SH   SOLE   24,025 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 9,007 160,758 SH   SOLE   160,758 0 0
VISA INC COM CL A 92826C839 10,217 43,698 SH   SOLE   43,698 0 0
WALMART INC COM 931142103 6,608 46,856 SH   SOLE   46,856 0 0
WELLS FARGO CO NEW COM 949746101 581 12,836 SH   SOLE   12,836 0 0
WELLTOWER INC COM 95040Q104 437 5,262 SH   SOLE   5,262 0 0