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
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF Exchange Traded Fund 92206C870 0 6 SH   SOLE   6 0 0
SCHWAB U.S. REIT ETF Exchange Traded Fund 808524847 0 11 SH   SOLE   11 0 0
GROWGENERATION CORP COM Common Stock 39986L109 0 50 SH   SOLE   50 0 0
KRAFT HEINZ CO COM Common Stock 500754106 0 20 SH   SOLE   20 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF Exchange Traded Fund 808524888 0 22 SH   SOLE   22 0 0
FASTENAL CO COM Common Stock 311900104 1 16 SH   SOLE   16 0 0
MEDTRONIC PLC SHS Common Stock G5960L103 1 10 SH   SOLE   10 0 0
SPLUNK INC COM Common Stock 848637104 1 10 SH   SOLE   10 0 0
NETFLIX INC COM Common Stock 64110L106 1 2 SH   SOLE   2 0 0
STARBUCKS CORP COM Common Stock 855244109 1 11 SH   SOLE   11 0 0
SCHWAB FUNDAMENTAL INTERNATIONAL SMALL COMPANY INDEX ETF Exchange Traded Fund 808524748 1 35 SH   SOLE   35 0 0
SCHWAB INTERNATIONAL EQUITY ETF Exchange Traded Fund 808524805 1 34 SH   SOLE   34 0 0
ISHARES GLOBAL 100 ETF Exchange Traded Fund 464287572 1 19 SH   SOLE   19 0 0
INVESCO BULLETSHARES 2029 CORPORATE BOND ETF Exchange Traded Fund 46138J577 1 76 SH   SOLE   76 0 0
SCHWAB EMERGING MARKETS EQUITY ETF Exchange Traded Fund 808524706 1 54 SH   SOLE   54 0 0
VANGUARD REAL ESTATE ETF Exchange Traded Fund 922908553 1 14 SH   SOLE   14 0 0
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF Exchange Traded Fund 46434V407 1 36 SH   SOLE   36 0 0
COMCAST CORP NEW CL A Common Stock 20030N101 1 34 SH   SOLE   34 0 0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF Exchange Traded Fund 808524763 1 32 SH   SOLE   32 0 0
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY INDEX ETF Exchange Traded Fund 808524755 2 62 SH   SOLE   62 0 0
PAYPAL HLDGS INC COM Common Stock 70450Y103 2 11 SH   SOLE   11 0 0
CHANGE HEALTHCARE INC COM Common Stock 15912K100 2 100 SH   SOLE   100 0 0
KINDER MORGAN INC DEL COM Common Stock 49456B101 2 135 SH   SOLE   135 0 0
SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX ETF Exchange Traded Fund 808524730 2 71 SH   SOLE   71 0 0
SCHWAB U.S. SMALL-CAP ETF Exchange Traded Fund 808524607 2 22 SH   SOLE   22 0 0
METLIFE INC COM Common Stock 59156R108 2 40 SH   SOLE   40 0 0
EQUINIX INC COM Real Estate Investment Trust 29444U700 2 3 SH   SOLE   3 0 0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF Exchange Traded Fund 808524771 2 45 SH   SOLE   45 0 0
AMERICAN TOWER CORP NEW COM Real Estate Investment Trust 03027X100 2 9 SH   SOLE   9 0 0
ISHARES MBS ETF Exchange Traded Fund 464288588 2 25 SH   SOLE   25 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF Exchange Traded Fund 46138J791 2 127 SH   SOLE   127 0 0
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF Exchange Traded Fund 46138J783 2 125 SH   SOLE   125 0 0
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF Exchange Traded Fund 46138J841 2 136 SH   SOLE   136 0 0
VANGUARD TOTAL WORLD STOCK INDEX FUND Exchange Traded Fund 922042742 3 28 SH   SOLE   28 0 0
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF Exchange Traded Fund 46138J866 3 140 SH   SOLE   140 0 0
INVESCO BULLETSHARES 2028 CORPORATE BOND ETF Exchange Traded Fund 46138J643 3 133 SH   SOLE   133 0 0
INVESCO BULLETSHARES 2022 CORPORATE BOND ETF Exchange Traded Fund 46138J882 3 141 SH   SOLE   141 0 0
ISHARES S&P SMALL-CAP FUND Exchange Traded Fund 464287804 3 27 SH   SOLE   27 0 0
SYNCHRONY FINANCIAL COM Common Stock 87165B103 3 69 SH   SOLE   69 0 0
CALIFORNIA RESOURCES CORPORATION WTS 27/10/24 (TO SUB FOR ORD) Common Stock 13057Q123 3 262 SH   SOLE   262 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF Exchange Traded Fund 46138J825 3 149 SH   SOLE   149 0 0
LRG COMP STK INDEX Common Stock 91023E101 3 39 SH   SOLE   39 0 0
SCHWAB U.S. LARGE-CAP ETF Exchange Traded Fund 808524201 3 33 SH   SOLE   33 0 0
SIRIUS XM HOLDINGS INC COM Common Stock 82968B103 3 600 SH   SOLE   600 0 0
CALIFORNIA RES CORP COM STOCK Common Stock 13057Q305 4 113 SH   SOLE   113 0 0
BK OF AMERICA CORP COM Common Stock 060505104 5 116 SH   SOLE   116 0 0
CARMAX INC COM Common Stock 143130102 5 43 SH   SOLE   43 0 0
PHILIP MORRIS INTL INC COM Common Stock 718172109 7 78 SH   SOLE   78 0 0
FRONTIER COMMUNICATIONS PARENT INC COM Common Stock 35909D109 7 267 SH   SOLE   267 0 0
COCA COLA CO COM Common Stock 191216100 8 143 SH   SOLE   143 0 0
BAXTER INTL INC COM Common Stock 071813109 8 100 SH   SOLE   100 0 0
GENERAL ELECTRIC CO COM NEW Common Stock 369604301 8 95 SH   SOLE   95 0 0
MONDELEZ INTL INC CL A Common Stock 609207105 9 138 SH   SOLE   138 0 0
ECOLAB INC COM Common Stock 278865100 9 40 SH   SOLE   40 0 0
MARKEL CORP COM Common Stock 570535104 9 8 SH   SOLE   8 0 0
EXTRA SPACE STORAGE INC COM Real Estate Investment Trust 30225T102 11 50 SH   SOLE   50 0 0
PFIZER INC COM Common Stock 717081103 11 194 SH   SOLE   194 0 0
AMERICAN ELEC PWR CO INC COM Common Stock 025537101 11 130 SH   SOLE   130 0 0
CHEVRON CORP NEW COM Common Stock 166764100 11 100 SH   SOLE   100 0 0
AT&T INC COM Common Stock 00206R102 12 523 SH   SOLE   523 0 0
BLACKSTONE INC COM Common Stock 09260D107 12 100 SH   SOLE   100 0 0
INTERNATIONAL BUSINESS MACHS COM Common Stock 459200101 13 100 SH   SOLE   100 0 0
FORD MTR CO DEL COM Common Stock 345370860 14 700 SH   SOLE   700 0 0
AMERICAN WTR WKS CO INC NEW COM Common Stock 030420103 15 80 SH   SOLE   80 0 0
DISNEY WALT CO COM Common Stock 254687106 16 104 SH   SOLE   104 0 0
JOHNSON & JOHNSON COM Common Stock 478160104 16 94 SH   SOLE   94 0 0
AMAZON COM INC COM Common Stock 023135106 16 5 SH   SOLE   5 0 0
ICICI LTD SPONSORED ADR American Depository Receipt 45104G104 17 483 SH   SOLE   483 0 0
VERIZON COMMUNICATIONS INC COM Common Stock 92343V104 18 352 SH   SOLE   352 0 0
UNITED PARCEL SERVICE INC CL B Common Stock 911312106 19 89 SH   SOLE   89 0 0
CINTAS CORP COM Common Stock 172908105 19 45 SH   SOLE   45 0 0
BOEING CO COM Common Stock 097023105 20 100 SH   SOLE   100 0 0
MCKESSON CORP COM Common Stock 58155Q103 20 83 SH   SOLE   83 0 0
LILLY ELI & CO COM Common Stock 532457108 20 75 SH   SOLE   75 0 0
HONEYWELL INTL INC COM Common Stock 438516106 26 128 SH   SOLE   128 0 0
PHILLIPS 66 COM Common Stock 718546104 28 393 SH   SOLE   393 0 0
INTERDIGITAL INC COM Common Stock 45867G101 28 400 SH   SOLE   400 0 0
COSTCO WHSL CORP NEW COM Common Stock 22160K105 28 51 SH   SOLE   51 0 0
ISHARES RUSSELL 1000 VALUE ETF Exchange Traded Fund 464287598 29 173 SH   SOLE   173 0 0
DELTA AIR LINES INC DEL COM NEW Common Stock 247361702 29 759 SH   SOLE   759 0 0
CHURCH & DWIGHT CO INC COM Common Stock 171340102 30 300 SH   SOLE   300 0 0
ISHARES S&P MIDCAP FUND Exchange Traded Fund 464287507 31 113 SH   SOLE   113 0 0
KINSALE CAP GROUP INC COM Common Stock 49714P108 32 135 SH   SOLE   135 0 0
DANAHER CORPORATION COM Common Stock 235851102 32 100 SH   SOLE   100 0 0
ORACLE CORP COM Common Stock 68389X105 33 380 SH   SOLE   380 0 0
PPL CORP COM Common Stock 69351T106 33 1,089 SH   SOLE   1,089 0 0
CISCO SYS INC COM Common Stock 17275R102 33 527 SH   SOLE   527 0 0
PAYCHEX INC COM Common Stock 704326107 38 284 SH   SOLE   284 0 0
EXELON CORP COM Common Stock 30161N101 39 683 SH   SOLE   683 0 0
FIRST TRUST WATER ETF Exchange Traded Fund 33733B100 43 456 SH   SOLE   456 0 0
LOCKHEED MARTIN CORP COM Common Stock 539830109 46 132 SH   SOLE   132 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND Exchange Traded Fund 922908769 47 196 SH   SOLE   196 0 0
META PLATFORMS INC CL A Common Stock 30303M102 48 144 SH   SOLE   144 0 0
CURTISS WRIGHT CORP COM Common Stock 231561101 48 350 SH   SOLE   350 0 0
VANGUARD MID-CAP INDEX FUND Exchange Traded Fund 922908629 51 203 SH   SOLE   203 0 0
JPMORGAN CHASE & CO COM Common Stock 46625H100 52 331 SH   SOLE   331 0 0
PEPSICO INC COM Common Stock 713448108 59 342 SH   SOLE   342 0 0
TRUIST FINL CORP COM Common Stock 89832Q109 65 1,116 SH   SOLE   1,116 0 0
ADOBE SYSTEMS INCORPORATED COM Common Stock 00724F101 67 119 SH   SOLE   119 0 0
ALPHABET INC CAP STK CL C Common Stock 02079K107 69 24 SH   SOLE   24 0 0
HERSHEY CO COM Common Stock 427866108 71 369 SH   SOLE   369 0 0
ANTHEM INC COM Common Stock 036752103 73 158 SH   SOLE   158 0 0
VISA INC COM CL A Common Stock 92826C839 79 365 SH   SOLE   365 0 0
HCA HEALTHCARE INC COM Common Stock 40412C101 80 315 SH   SOLE   315 0 0
MICROSOFT CORP COM Common Stock 594918104 84 250 SH   SOLE   250 0 0
PROCTER AND GAMBLE CO COM Common Stock 742718109 88 540 SH   SOLE   540 0 0
SPDR S&P 500 ETF Exchange Traded Fund 78462F103 90 190 SH   SOLE   190 0 0
THERMO FISHER SCIENTIFIC INC COM Common Stock 883556102 106 160 SH   SOLE   160 0 0
TELEDYNE TECHNOLOGIES INC COM Common Stock 879360105 109 250 SH   SOLE   250 0 0
VANGUARD S&P 500 ETF Exchange Traded Fund 922908363 110 253 SH   SOLE   253 0 0
PRICE T ROWE GROUP INC COM Common Stock 74144T108 126 641 SH   SOLE   641 0 0
MASTERCARD INCORPORATED CL A Common Stock 57636Q104 128 359 SH   SOLE   359 0 0
ALPHABET INC CAP STK CL A Common Stock 02079K305 133 46 SH   SOLE   46 0 0
WALMART INC COM Common Stock 931142103 148 1,022 SH   SOLE   1,022 0 0
NISOURCE INC COM Common Stock 65473P105 163 5,932 SH   SOLE   5,932 0 0
HOME DEPOT INC COM Common Stock 437076102 182 440 SH   SOLE   440 0 0
VANGUARD HIGH DIVIDEND YIELD ETF Exchange Traded Fund 921946406 186 1,660 SH   SOLE   1,660 0 0
ALTRIA GROUP INC COM Common Stock 02209S103 192 3,996 SH   SOLE   3,996 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Common Stock 084670702 197 662 SH   SOLE   662 0 0
TESLA INC COM Common Stock 88160R101 261 247 SH   SOLE   247 0 0
OLD REP INTL CORP COM Common Stock 680223104 269 10,961 SH   SOLE   10,961 0 0
EXXON MOBIL CORP COM Common Stock 30231G102 289 4,736 SH   SOLE   4,736 0 0
DOMINION ENERGY INC COM Common Stock 25746U109 348 4,437 SH   SOLE   4,437 0 0
UNITED BANKSHARES INC WEST VA COM Common Stock 909907107 364 10,042 SH   SOLE   10,042 0 0
WELLS FARGO CO NEW COM Common Stock 949746101 367 7,667 SH   SOLE   7,667 0 0
VANGUARD MID-CAP GROWTH INDEX FUND Exchange Traded Fund 922908538 380 1,494 SH   SOLE   1,494 0 0
KIMBERLY-CLARK CORP COM Common Stock 494368103 407 2,832 SH   SOLE   2,832 0 0
NUVEEN ESG SMALL-CAP ETF Exchange Traded Fund 67092P607 489 11,657 SH   SOLE   11,657 0 0
DIMENSIONAL U.S. CORE EQUITY 2 ETF Exchange Traded Fund 25434V708 545 18,817 SH   SOLE   18,817 0 0
NUVEEN ESG EMERGING MARKETS EQUITY ETF Exchange Traded Fund 67092P888 646 20,006 SH   SOLE   20,006 0 0
UNION PAC CORP COM Common Stock 907818108 709 2,816 SH   SOLE   2,816 0 0
APPLE INC COM Common Stock 037833100 856 4,825 SH   SOLE   4,825 0 0
NUVEEN ESG U.S. AGGREGATE BOND ETF Exchange Traded Fund 67092P870 906 35,297 SH   SOLE   35,297 0 0
INVESCO DYNAMIC LARGE CAP VALUE ETF Exchange Traded Fund 46137V738 1,226 25,165 SH   SOLE   25,165 0 0
NUVEEN ESG LARGE-CAP VALUE ETF Exchange Traded Fund 67092P300 1,522 39,161 SH   SOLE   39,161 0 0
NUVEEN ESG LARGE-CAP GROWTH ETF Exchange Traded Fund 67092P201 1,531 22,340 SH   SOLE   22,340 0 0
NUVEEN ESG INTERNATIONAL DEVELOPED MARKETS EQUITY ETF Exchange Traded Fund 67092P805 2,495 80,535 SH   SOLE   80,535 0 0
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND Exchange Traded Fund 921937819 4,564 52,097 SH   SOLE   52,097 0 0
VANGUARD SMALL-CAP INDEX FUND Exchange Traded Fund 922908751 5,782 25,583 SH   SOLE   25,583 0 0
VANGUARD LONG-TERM BOND INDEX FUND Exchange Traded Fund 921937793 7,392 71,825 SH   SOLE   71,825 0 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF Exchange Traded Fund 92206C771 7,769 147,046 SH   SOLE   147,046 0 0
VANGUARD FTSE EMERGING MARKETS ETF Exchange Traded Fund 922042858 8,341 168,651 SH   SOLE   168,651 0 0
VANGUARD SHORT-TERM BOND INDEX FUND Exchange Traded Fund 921937827 10,714 132,562 SH   SOLE   132,562 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF Exchange Traded Fund 92203J407 16,472 298,624 SH   SOLE   298,624 0 0
VANGUARD VALUE INDEX FUND Exchange Traded Fund 922908744 16,747 113,840 SH   SOLE   113,840 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Exchange Traded Fund 921943858 19,708 385,989 SH   SOLE   385,989 0 0
VANGUARD GROWTH INDEX FUND Exchange Traded Fund 922908736 20,982 65,387 SH   SOLE   65,387 0 0
ZOETIS INC CL A Common Stock 98978V103 24 100 SH   SOLE   100 0 0