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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 35 125 SH   SOLE 0 0 0 125
ACUSHNET HLDGS CORP COM 005098108 4 100 SH   SOLE 0 0 0 100
ADOBE SYSTEMS INCORPORATED COM 00724F101 43 119 SH   SOLE 0 0 0 119
ALPHABET INC CAP STK CL A 02079K305 143 66 SH   SOLE 0 0 0 66
ALPHABET INC CAP STK CL C 02079K107 50 23 SH   SOLE 0 0 0 23
ALTRIA GROUP INC COM 02209S103 169 4,000 SH   SOLE 0 0 0 4,000
AMAZON COM INC COM 023135106 102 940 SH   SOLE 0 0 0 940
AMERICAN ELEC PWR CO INC COM 025537101 12 130 SH   SOLE 0 0 0 130
AMERICAN WTR WKS CO INC NEW COM 030420103 12 80 SH   SOLE 0 0 0 80
APPLE INC COM 037833100 714 5,154 SH   SOLE 0 0 0 5,154
APTIV PLC SHS G6095L109 9 100 SH   SOLE 0 0 0 100
AT&T INC COM 00206R102 11 534 SH   SOLE 0 0 0 534
BANC OF CALIFORNIA INC COM 05990K106 0 0 SH   SOLE 0 0 0 0
BAXTER INTL INC COM 071813109 6 100 SH   SOLE 0 0 0 100
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 181 655 SH   SOLE 0 0 0 655
BK OF AMERICA CORP COM 060505104 12 397 SH   SOLE 0 0 0 397
BLACKSTONE INC COM 09260D107 9 100 SH   SOLE 0 0 0 100
BOEING CO COM 097023105 13 100 SH   SOLE 0 0 0 100
BRIGHTHOUSE FINL INC COM 10922N103 0 3 SH   SOLE 0 0 0 3
BRISTOL-MYERS SQUIBB CO COM 110122108 30 400 SH   SOLE 0 0 0 400
CALIFORNIA RES CORP COM STOCK 13057Q305 4 113 SH   SOLE 0 0 0 113
CAPITAL ONE FINL CORP COM 14040H105 49 465 SH   SOLE 0 0 0 465
CARMAX INC COM 143130102 3 43 SH   SOLE 0 0 0 43
CHANGE HEALTHCARE INC COM 15912K100 2 100 SH   SOLE 0 0 0 100
CHEVRON CORP NEW COM 166764100 14 100 SH   SOLE 0 0 0 100
CHURCH & DWIGHT CO INC COM 171340102 28 300 SH   SOLE 0 0 0 300
CINTAS CORP COM 172908105 16 45 SH   SOLE 0 0 0 45
CISCO SYS INC COM 17275R102 33 785 SH   SOLE 0 0 0 785
COCA COLA CO COM 191216100 9 143 SH   SOLE 0 0 0 143
CONSTELLATION ENERGY CORP COM 21037T109 13 227 SH   SOLE 0 0 0 227
COSTCO WHSL CORP NEW COM 22160K105 23 48 SH   SOLE 0 0 0 48
CURTISS WRIGHT CORP COM 231561101 46 350 SH   SOLE 0 0 0 350
DANAHER CORPORATION COM 235851102 12 50 SH   SOLE 0 0 0 50
DELTA AIR LINES INC DEL COM NEW 247361702 22 759 SH   SOLE 0 0 0 759
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 392 16,680 SH   SOLE 0 0 0 16,680
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 0 10 SH   SOLE 0 0 0 10
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 0 40 SH   SOLE 0 0 0 40
DISNEY WALT CO COM 254687106 26 275 SH   SOLE 0 0 0 275
DOMINION ENERGY INC COM 25746U109 364 4,491 SH   SOLE 0 0 0 4,491
EATON CORP PLC SHS G29183103 19 150 SH   SOLE 0 0 0 150
ECOLAB INC COM 278865100 3 20 SH   SOLE 0 0 0 20
ELEVANCE HEALTH INC COM 036752103 76 158 SH   SOLE 0 0 0 158
EXELON CORP COM 30161N101 31 693 SH   SOLE 0 0 0 693
EXTRA SPACE STORAGE INC COM 30225T102 8 50 SH   SOLE 0 0 0 50
EXXON MOBIL CORP COM 30231G102 416 4,759 SH   SOLE 0 0 0 4,759
FIRST TR EXCHANGE TRADED FD WTR ETF 33733B100 33 456 SH   SOLE 0 0 0 456
FORD MTR CO DEL COM 345370860 9 850 SH   SOLE 0 0 0 850
GENERAL ELECTRIC CO COM NEW 369604301 6 95 SH   SOLE 0 0 0 95
GROWGENERATION CORP COM 39986L109 0 50 SH   SOLE 0 0 0 50
HCA HEALTHCARE INC COM 40412C101 55 315 SH   SOLE 0 0 0 315
HERSHEY CO COM 427866108 82 371 SH   SOLE 0 0 0 371
HOME DEPOT INC COM 437076102 122 440 SH   SOLE 0 0 0 440
HONEYWELL INTL INC COM 438516106 22 129 SH   SOLE 0 0 0 129
INTEL CORP COM 458140100 13 375 SH   SOLE 0 0 0 375
INTERDIGITAL INC COM 45867G101 24 400 SH   SOLE 0 0 0 400
INTERNATIONAL BUSINESS MACHS COM 459200101 14 100 SH   SOLE 0 0 0 100
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 1,098 24,901 SH   SOLE 0 0 0 24,901
ISHARES TR CORE INTL AGGR 46435G672 122 2,432 SH   SOLE 0 0 0 2,432
ISHARES INC CORE MSCI EMKT 46434G103 16 334 SH   SOLE 0 0 0 334
ISHARES TR CORE S&P500 ETF 464287200 13 34 SH   SOLE 0 0 0 34
ISHARES TR GLOBAL 100 ETF 464287572 1 19 SH   SOLE 0 0 0 19
ISHARES TR IBOXX HI YD ETF 464288513 0 7 SH   SOLE 0 0 0 7
ISHARES TR MSCI EAFE ETF 464287465 11 185 SH   SOLE 0 0 0 185
ISHARES TR RUS 1000 VAL ETF 464287598 25 173 SH   SOLE 0 0 0 173
ISHARES TR CORE S&P MCP ETF 464287507 25 113 SH   SOLE 0 0 0 113
ISHARES TR CORE S&P SCP ETF 464287804 2 27 SH   SOLE 0 0 0 27
JOHNSON & JOHNSON COM 478160104 53 295 SH   SOLE 0 0 0 295
JPMORGAN CHASE & CO COM 46625H100 60 531 SH   SOLE 0 0 0 531
KIMBERLY-CLARK CORP COM 494368103 387 2,832 SH   SOLE 0 0 0 2,832
KINDER MORGAN INC DEL COM 49456B101 2 135 SH   SOLE 0 0 0 135
KINSALE CAP GROUP INC COM 49714P108 31 135 SH   SOLE 0 0 0 135
KRAFT HEINZ CO COM 500754106 0 20 SH   SOLE 0 0 0 20
KYNDRYL HLDGS INC COMMON STOCK 50155Q100 0 20 SH   SOLE 0 0 0 20
LOCKHEED MARTIN CORP COM 539830109 57 132 SH   SOLE 0 0 0 132
MANHATTAN BRDG CAP INC COM 562803106 0 3 SH   SOLE 0 0 0 3
MARKEL CORP COM 570535104 38 28 SH   SOLE 0 0 0 28
MASTERCARD INCORPORATED CL A 57636Q104 112 355 SH   SOLE 0 0 0 355
MCKESSON CORP COM 58155Q103 27 83 SH   SOLE 0 0 0 83
MEDTRONIC PLC SHS G5960L103 0 10 SH   SOLE 0 0 0 10
META PLATFORMS INC CL A 30303M102 12 80 SH   SOLE 0 0 0 80
METLIFE INC COM 59156R108 2 40 SH   SOLE 0 0 0 40
MICROSOFT CORP COM 594918104 88 341 SH   SOLE 0 0 0 341
MONDELEZ INTL INC CL A 609207105 8 138 SH   SOLE 0 0 0 138
NEXTERA ENERGY INC COM 65339F101 32 400 SH   SOLE 0 0 0 400
NISOURCE INC COM 65473P105 178 5,932 SH   SOLE 0 0 0 5,932
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 870 32,032 SH   SOLE 0 0 0 32,032
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 3,115 123,288 SH   SOLE 0 0 0 123,288
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 1,573 32,441 SH   SOLE 0 0 0 32,441
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 1,421 42,094 SH   SOLE 0 0 0 42,094
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 459 13,818 SH   SOLE 0 0 0 13,818
NUSHARES ETF TR NUVEEN ESG US 67092P870 841 36,604 SH   SOLE 0 0 0 36,604
OLD REP INTL CORP COM 680223104 247 10,961 SH   SOLE 0 0 0 10,961
ORACLE CORP COM 68389X105 26 380 SH   SOLE 0 0 0 380
PAYCHEX INC COM 704326107 31 275 SH   SOLE 0 0 0 275
PEPSICO INC COM 713448108 57 342 SH   SOLE 0 0 0 342
PFIZER INC COM 717081103 41 794 SH   SOLE 0 0 0 794
PHILIP MORRIS INTL INC COM 718172109 7 78 SH   SOLE 0 0 0 78
PHILLIPS 66 COM 718546104 33 393 SH   SOLE 0 0 0 393
PPL CORP COM 69351T106 31 1,121 SH   SOLE 0 0 0 1,121
PRICE T ROWE GROUP INC COM 74144T108 91 791 SH   SOLE 0 0 0 791
PROCTER AND GAMBLE CO COM 742718109 78 540 SH   SOLE 0 0 0 540
RAYTHEON TECHNOLOGIES CORP COM 75513E101 7 75 SH   SOLE 0 0 0 75
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 191 7,602 SH   SOLE 0 0 0 7,602
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 259 8,252 SH   SOLE 0 0 0 8,252
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 399 8,844 SH   SOLE 0 0 0 8,844
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 177 3,024 SH   SOLE 0 0 0 3,024
SCHWAB STRATEGIC TR US REIT ETF 808524847 0 30 SH   SOLE 0 0 0 30
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 54 1,373 SH   SOLE 0 0 0 1,373
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1 26 SH   SOLE 0 0 0 26
SIRIUS XM HOLDINGS INC COM 82968B103 3 600 SH   SOLE 0 0 0 600
SPDR S&P 500 ETF TR TR UNIT 78462F103 72 190 SH   SOLE 0 0 0 190
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 22 54 SH   SOLE 0 0 0 54
SYNCHRONY FINANCIAL COM 87165B103 2 70 SH   SOLE 0 0 0 70
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 0 7 SH   SOLE 0 0 0 7
TELEDYNE TECHNOLOGIES INC COM 879360105 94 250 SH   SOLE 0 0 0 250
TESLA INC COM 88160R101 168 247 SH   SOLE 0 0 0 247
THERMO FISHER SCIENTIFIC INC COM 883556102 87 160 SH   SOLE 0 0 0 160
TRUIST FINL CORP COM 89832Q109 53 1,116 SH   SOLE 0 0 0 1,116
UNION PAC CORP COM 907818108 606 2,818 SH   SOLE 0 0 0 2,818
UNITED BANKSHARES INC WEST V COM 909907107 357 10,042 SH   SOLE 0 0 0 10,042
UNITED PARCEL SERVICE INC CL B 911312106 16 89 SH   SOLE 0 0 0 89
UNITEDHEALTH GROUP INC COM 91324P102 38 75 SH   SOLE 0 0 0 75
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 0 13 SH   SOLE 0 0 0 13
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 0 8 SH   SOLE 0 0 0 8
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 17,331 423,864 SH   SOLE 0 0 0 423,864
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,475 180,561 SH   SOLE 0 0 0 180,561
VANGUARD INDEX FDS GROWTH ETF 922908736 15,254 67,781 SH   SOLE 0 0 0 67,781
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 196 1,910 SH   SOLE 0 0 0 1,910
VANGUARD BD INDEX FDS INTERMED TERM 921937819 4,350 55,535 SH   SOLE 0 0 0 55,535
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 6,141 76,301 SH   SOLE 0 0 0 76,301
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 265 1,494 SH   SOLE 0 0 0 1,494
VANGUARD INDEX FDS MID CAP ETF 922908629 40 203 SH   SOLE 0 0 0 203
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 6,911 143,751 SH   SOLE 0 0 0 143,751
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1 14 SH   SOLE 0 0 0 14
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 88 253 SH   SOLE 0 0 0 253
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 10,787 140,041 SH   SOLE 0 0 0 140,041
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 0 4 SH   SOLE 0 0 0 4
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,604 25,782 SH   SOLE 0 0 0 25,782
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1 7 SH   SOLE 0 0 0 7
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 384 5,078 SH   SOLE 0 0 0 5,078
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 15,152 304,208 SH   SOLE 0 0 0 304,208
VANGUARD STAR FDS VG TL INTL STK F 921909768 36 700 SH   SOLE 0 0 0 700
VANGUARD INDEX FDS TOTAL STK MKT 922908769 37 196 SH   SOLE 0 0 0 196
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 15 179 SH   SOLE 0 0 0 179
VANGUARD INDEX FDS VALUE ETF 922908744 15,414 115,714 SH   SOLE 0 0 0 115,714
VERIZON COMMUNICATIONS INC COM 92343V104 18 356 SH   SOLE 0 0 0 356
VISA INC COM CL A 92826C839 72 365 SH   SOLE 0 0 0 365
WALMART INC COM 931142103 140 1,148 SH   SOLE 0 0 0 1,148
WARNER BROS DISCOVERY INC COM SER A 934423104 1 127 SH   SOLE 0 0 0 127
WELLS FARGO CO NEW COM 949746101 304 7,627 SH   SOLE 0 0 0 7,627