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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   0 8 SH   SOLE   0 0 8
ABBVIE INC COM 00287Y109   1 8 SH   SOLE   0 0 8
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   67 192 SH   SOLE   0 0 192
ACUSHNET HLDGS CORP COM 005098108   6 103 SH   SOLE   0 0 103
ADOBE INC COM 00724F101   61 119 SH   SOLE   0 0 119
ALPHABET INC CAP STK CL A 02079K305   224 1,353 SH   SOLE   0 0 1,353
ALPHABET INC CAP STK CL C 02079K107   104 628 SH   SOLE   0 0 628
ALTRIA GROUP INC COM 02209S103   14 276 SH   SOLE   0 0 276
AMAZON COM INC COM 023135106   145 781 SH   SOLE   0 0 781
AMENTUM HOLDINGS INC COM 023939101   19 600 SH   SOLE   0 0 600
AMERICAN WTR WKS CO INC NEW COM 030420103   11 80 SH   SOLE   0 0 80
AMGEN INC COM 031162100   64 200 SH   SOLE   0 0 200
APPLE INC COM 037833100   1,278 5,489 SH   SOLE   0 0 5,489
ARES CAPITAL CORP COM 04010L103   6 304 SH   SOLE   0 0 304
AT&T INC COM 00206R102   12 585 SH   SOLE   0 0 585
AUTOMATIC DATA PROCESSING IN COM 053015103   48 176 SH   SOLE   0 0 176
BANK AMERICA CORP COM 060505104   4 125 SH   SOLE   0 0 125
BAXTER INTL INC COM 071813109   3 100 SH   SOLE   0 0 100
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   419 912 SH   SOLE   0 0 912
BROADCOM INC COM 11135F101   77 450 SH   SOLE   0 0 450
CALIFORNIA RES CORP COM STOCK 13057Q305   5 113 SH   SOLE   0 0 113
CAPITAL ONE FINL CORP COM 14040H105   52 351 SH   SOLE   0 0 351
CARMAX INC COM 143130102   3 43 SH   SOLE   0 0 43
CARRIER GLOBAL CORPORATION COM 14448C104   0 8 SH   SOLE   0 0 8
CHEVRON CORP NEW COM 166764100   19 132 SH   SOLE   0 0 132
CHURCH & DWIGHT CO INC COM 171340102   29 278 SH   SOLE   0 0 278
CINTAS CORP COM 172908105   37 180 SH   SOLE   0 0 180
CISCO SYS INC COM 17275R102   76 1,442 SH   SOLE   0 0 1,442
COCA COLA CO COM 191216100   0 10 SH   SOLE   0 0 10
CONSTELLATION ENERGY CORP COM 21037T109   60 232 SH   SOLE   0 0 232
COSTCO WHSL CORP NEW COM 22160K105   31 36 SH   SOLE   0 0 36
CURTISS WRIGHT CORP COM 231561101   115 350 SH   SOLE   0 0 350
DANAHER CORPORATION COM 235851102   13 50 SH   SOLE   0 0 50
DELTA AIR LINES INC DEL COM NEW 247361702   38 759 SH   SOLE   0 0 759
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2 105 SH   SOLE   0 0 105
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   18 586 SH   SOLE   0 0 586
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   571 16,680 SH   SOLE   0 0 16,680
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   8 137 SH   SOLE   0 0 137
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   9 142 SH   SOLE   0 0 142
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   67 1,699 SH   SOLE   0 0 1,699
DISCOVER FINL SVCS COM 254709108   1 10 SH   SOLE   0 0 10
DISNEY WALT CO COM 254687106   9 100 SH   SOLE   0 0 100
DOLLAR TREE INC COM 256746108   0 5 SH   SOLE   0 0 5
DOMINION ENERGY INC COM 25746U109   114 1,972 SH   SOLE   0 0 1,972
EA SERIES TRUST FREEDOM 100 EM 02072L607   0 23 SH   SOLE   0 0 23
EATON CORP PLC SHS G29183103   41 126 SH   SOLE   0 0 126
ELEVANCE HEALTH INC COM 036752103   122 236 SH   SOLE   0 0 236
ETFIS SER TR I VIRTUS NEWFLEET 26923G707   0 17 SH   SOLE   0 0 17
EXELON CORP COM 30161N101   30 752 SH   SOLE   0 0 752
EXTRA SPACE STORAGE INC COM 30225T102   9 50 SH   SOLE   0 0 50
EXXON MOBIL CORP COM 30231G102   567 4,839 SH   SOLE   0 0 4,839
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   0 17 SH   SOLE   0 0 17
FIRST TR EXCHANGE-TRADED FD WTR ETF 33733B100   49 456 SH   SOLE   0 0 456
FORD MTR CO COM 345370860   7 700 SH   SOLE   0 0 700
FORTINET INC COM 34959E109   30 390 SH   SOLE   0 0 390
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108   0 27 SH   SOLE   0 0 27
GE AEROSPACE COM NEW 369604301   17 95 SH   SOLE   0 0 95
GE VERNOVA INC COM 36828A101   5 23 SH   SOLE   0 0 23
GENERAL DYNAMICS CORP COM 369550108   0 2 SH   SOLE   0 0 2
GENWORTH FINL INC COM SHS 37247D106   277 41,111 SH   SOLE   0 0 41,111
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   1 17 SH   SOLE   0 0 17
GRAYSCALE BITCOIN MINI TR BT SHS 389930108   0 5 SH   SOLE   0 0 5
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   0 5 SH   SOLE   0 0 5
HCA HEALTHCARE INC COM 40412C101   189 467 SH   SOLE   0 0 467
HERSHEY CO COM 427866108   72 380 SH   SOLE   0 0 380
HOME DEPOT INC COM 437076102   183 452 SH   SOLE   0 0 452
HONEYWELL INTL INC COM 438516106   28 136 SH   SOLE   0 0 136
INGEVITY CORP COM 45688C107   0 7 SH   SOLE   0 0 7
INTEL CORP COM 458140100   0 16 SH   SOLE   0 0 16
INTERNATIONAL BUSINESS MACHS COM 459200101   22 100 SH   SOLE   0 0 100
INVESCO EXCHANGE TRADED FD T LARGE CAP VALUE 46137V738   1,417 24,300 SH   SOLE   0 0 24,300
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   1 18 SH   SOLE   0 0 18
ISHARES INC CORE MSCI EMKT 46434G103   17 300 SH   SOLE   0 0 300
ISHARES TR CORE S&P500 ETF 464287200   65 114 SH   SOLE   0 0 114
ISHARES TR CORE S&P MCP ETF 464287507   35 577 SH   SOLE   0 0 577
ISHARES TR CORE S&P SCP ETF 464287804   51 444 SH   SOLE   0 0 444
ISHARES TR ESG AW MSCI EAFE 46435G516   54 650 SH   SOLE   0 0 650
ISHARES TR GLOBAL 100 ETF 464287572   1 19 SH   SOLE   0 0 19
ISHARES TR MSCI INTL QUALTY 46434V456   0 22 SH   SOLE   0 0 22
ISHARES TR MSCI USA QLT FCT 46432F339   1 10 SH   SOLE   0 0 10
ISHARES TR RUS 1000 VAL ETF 464287598   13 71 SH   SOLE   0 0 71
ISHARES TR SELF DRIVNG EV 46435U366   0 5 SH   SOLE   0 0 5
JACOBS SOLUTIONS INC COM 46982L108   78 600 SH   SOLE   0 0 600
JOHNSON & JOHNSON COM 478160104   66 412 SH   SOLE   0 0 412
JPMORGAN CHASE & CO. COM 46625H100   138 657 SH   SOLE   0 0 657
KIMBERLY-CLARK CORP COM 494368103   283 1,990 SH   SOLE   0 0 1,990
KINSALE CAP GROUP INC COM 49714P108   92 199 SH   SOLE   0 0 199
LISTED FD TR ROUNDHILL BALL 53656F417   8 600 SH   SOLE   0 0 600
LOCKHEED MARTIN CORP COM 539830109   77 132 SH   SOLE   0 0 132
LOWES COS INC COM 548661107   125 463 SH   SOLE   0 0 463
LUMINAR TECHNOLOGIES INC COM CL A 550424105   0 21 SH   SOLE   0 0 21
MARKEL GROUP INC COM 570535104   115 73 SH   SOLE   0 0 73
MASTERCARD INCORPORATED CL A 57636Q104   101 205 SH   SOLE   0 0 205
MCDONALDS CORP COM 580135101   0 2 SH   SOLE   0 0 2
MCKESSON CORP COM 58155Q103   41 83 SH   SOLE   0 0 83
MICROSOFT CORP COM 594918104   167 390 SH   SOLE   0 0 390
NIKE INC CL B 654106103   0 2 SH   SOLE   0 0 2
NISOURCE INC COM 65473P105   205 5,932 SH   SOLE   0 0 5,932
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888   1,476 47,585 SH   SOLE   0 0 47,585
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   4,737 140,763 SH   SOLE   0 0 140,763
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   2,663 32,233 SH   SOLE   0 0 32,233
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   2,353 56,413 SH   SOLE   0 0 56,413
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   661 15,438 SH   SOLE   0 0 15,438
NUSHARES ETF TR NUVEEN ESG US 67092P870   1,406 61,967 SH   SOLE   0 0 61,967
NUTRIEN LTD COM 67077M108   41 867 SH   SOLE   0 0 867
OLAPLEX HLDGS INC COM 679369108   0 10 SH   SOLE   0 0 10
OLD REP INTL CORP COM 680223104   339 9,584 SH   SOLE   0 0 9,584
ORACLE CORP COM 68389X105   64 380 SH   SOLE   0 0 380
OTIS WORLDWIDE CORP COM 68902V107   0 4 SH   SOLE   0 0 4
PAYCHEX INC COM 704326107   36 275 SH   SOLE   0 0 275
PAYPAL HLDGS INC COM 70450Y103   0 2 SH   SOLE   0 0 2
PEPSICO INC COM 713448108   89 526 SH   SOLE   0 0 526
PHILIP MORRIS INTL INC COM 718172109   1 11 SH   SOLE   0 0 11
PHILLIPS 66 COM 718546104   50 383 SH   SOLE   0 0 383
PPL CORP COM 69351T106   39 1,204 SH   SOLE   0 0 1,204
PRICE T ROWE GROUP INC COM 74144T108   78 721 SH   SOLE   0 0 721
PROCTER AND GAMBLE CO COM 742718109   93 540 SH   SOLE   0 0 540
RIVIAN AUTOMOTIVE INC COM CL A 76954A103   2 256 SH   SOLE   0 0 256
ROBLOX CORP CL A 771049103   0 10 SH   SOLE   0 0 10
RTX CORPORATION COM 75513E101   1 10 SH   SOLE   0 0 10
SALESFORCE INC COM 79466L302   13 50 SH   SOLE   0 0 50
SCHLUMBERGER LTD COM STK 806857108   0 4 SH   SOLE   0 0 4
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   144 4,957 SH   SOLE   0 0 4,957
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   7 101 SH   SOLE   0 0 101
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   0 7 SH   SOLE   0 0 7
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   233 5,668 SH   SOLE   0 0 5,668
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   0 7 SH   SOLE   0 0 7
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   100 1,518 SH   SOLE   0 0 1,518
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,305 19,237 SH   SOLE   0 0 19,237
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   96 930 SH   SOLE   0 0 930
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   116 1,397 SH   SOLE   0 0 1,397
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   55 1,078 SH   SOLE   0 0 1,078
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   181 3,818 SH   SOLE   0 0 3,818
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   14 170 SH   SOLE   0 0 170
SEI INVTS CO COM 784117103   60 873 SH   SOLE   0 0 873
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1 8 SH   SOLE   0 0 8
SHOPIFY INC CL A 82509L107   0 5 SH   SOLE   0 0 5
SMURFIT WESTROCK PLC SHS G8267P108   0 16 SH   SOLE   0 0 16
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   4 109 SH   SOLE   0 0 109
SPDR S&P 500 ETF TR TR UNIT 78462F103   102 179 SH   SOLE   0 0 179
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   30 54 SH   SOLE   0 0 54
SPDR SER TR PORTFOLIO S&P400 78464A847   18 333 SH   SOLE   0 0 333
SPDR SER TR PORTFOLIO S&P500 78464A854   9 143 SH   SOLE   0 0 143
SPDR SER TR PRTFLO S&P500 GW 78464A409   2 24 SH   SOLE   0 0 24
SPDR SER TR PORTFOLIO S&P600 78468R853   2 54 SH   SOLE   0 0 54
STARBUCKS CORP COM 855244109   37 383 SH   SOLE   0 0 383
STRYKER CORPORATION COM 863667101   108 300 SH   SOLE   0 0 300
SYNCHRONY FINANCIAL COM 87165B103   3 74 SH   SOLE   0 0 74
TARGET CORP COM 87612E106   22 142 SH   SOLE   0 0 142
TELEDYNE TECHNOLOGIES INC COM 879360105   109 250 SH   SOLE   0 0 250
TESLA INC COM 88160R101   87 334 SH   SOLE   0 0 334
THERMO FISHER SCIENTIFIC INC COM 883556102   98 160 SH   SOLE   0 0 160
TOTALENERGIES SE SPONSORED ADS 89151E109   27 424 SH   SOLE   0 0 424
TRUIST FINL CORP COM 89832Q109   117 74,865 SH   SOLE   0 0 74,865
UBER TECHNOLOGIES INC COM 90353T100   12 163 SH   SOLE   0 0 163
UNDER ARMOUR INC CL C 904311206   0 57 SH   SOLE   0 0 57
UNILEVER PLC SPON ADR NEW 904767704   45 707 SH   SOLE   0 0 707
UNION PAC CORP COM 907818108   537 2,181 SH   SOLE   0 0 2,181
UNITED PARCEL SERVICE INC CL B 911312106   10 79 SH   SOLE   0 0 79
UNITEDHEALTH GROUP INC COM 91324P102   45 77 SH   SOLE   0 0 77
VANGUARD BD INDEX FDS INTERMED TERM 921937819   5,925 75,614 SH   SOLE   0 0 75,614
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   8,222 109,380 SH   SOLE   0 0 109,380
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   14,268 181,329 SH   SOLE   0 0 181,329
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   7 98 SH   SOLE   0 0 98
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   21,015 417,969 SH   SOLE   0 0 417,969
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   90 498 SH   SOLE   0 0 498
VANGUARD INDEX FDS GROWTH ETF 922908736   26,558 69,175 SH   SOLE   0 0 69,175
VANGUARD INDEX FDS LARGE CAP ETF 922908637   20 76 SH   SOLE   0 0 76
VANGUARD INDEX FDS MID CAP ETF 922908629   40 155 SH   SOLE   0 0 155
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   623 2,560 SH   SOLE   0 0 2,560
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1 20 SH   SOLE   0 0 20
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,293 2,452 SH   SOLE   0 0 2,452
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,231 26,268 SH   SOLE   0 0 26,268
VANGUARD INDEX FDS TOTAL STK MKT 922908769   198 33,600 SH   SOLE   0 0 33,600
VANGUARD INDEX FDS VALUE ETF 922908744   21,472 122,999 SH   SOLE   0 0 122,999
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   121 1,925 SH   SOLE   0 0 1,925
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   11,097 231,929 SH   SOLE   0 0 231,929
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   303 2,533 SH   SOLE   0 0 2,533
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,020 19,969 SH   SOLE   0 0 19,969
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   8,928 189,123 SH   SOLE   0 0 189,123
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   353 4,454 SH   SOLE   0 0 4,454
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   73 1,042 SH   SOLE   0 0 1,042
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1 10 SH   SOLE   0 0 10
VANGUARD STAR FDS VG TL INTL STK F 921909768   377 5,831 SH   SOLE   0 0 5,831
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   27,864 527,628 SH   SOLE   0 0 527,628
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   3 26 SH   SOLE   0 0 26
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   0 15 SH   SOLE   0 0 15
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   237 1,849 SH   SOLE   0 0 1,849
VANGUARD WORLD FD ESG US STK ETF 921910733   20 199 SH   SOLE   0 0 199
VERIZON COMMUNICATIONS INC COM 92343V104   6 152 SH   SOLE   0 0 152
VICTORY PORTFOLIOS II VCSHS US EQ INCM 92647N824   1 27 SH   SOLE   0 0 27
VISA INC COM CL A 92826C839   104 381 SH   SOLE   0 0 381
WALMART INC COM 931142103   280 3,471 SH   SOLE   0 0 3,471
WARNER BROS DISCOVERY INC COM SER A 934423104   0 79 SH   SOLE   0 0 79
WELLS FARGO CO NEW COM 949746101   381 6,747 SH   SOLE   0 0 6,747
WILLIAMS SONOMA INC COM 969904101   20 132 SH   SOLE   0 0 132