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
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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
ALPHABET INC CAP STK CL C 02079K107   328,322 1,790 SH   SOLE   0 0 1,790
ALPHABET INC CAP STK CL A 02079K305   384,337 2,110 SH   SOLE   0 0 2,110
AMAZON COM INC COM 023135106   261,274 1,352 SH   SOLE   0 0 1,352
APPLE INC COM 037833100   737,170 3,500 SH   SOLE   0 0 3,500
BANK OF THE JAMES FINL GP IN COM 470299108   143,307 12,727 SH   SOLE   0 0 12,727
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   435,111 13,572 SH   SOLE   0 0 13,572
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   368,968 907 SH   SOLE   0 0 907
COMCAST CORP NEW CL A 20030N101   236,409 6,037 SH   SOLE   0 0 6,037
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   705,676 15,706 SH   SOLE   0 0 15,706
HESS CORP COM 42809H107   235,885 1,599 SH   SOLE   0 0 1,599
ISHARES INC CORE MSCI EMKT 46434G103   202,665 3,786 SH   SOLE   0 0 3,786
ISHARES TR FLTG RATE NT ETF 46429B655   236,036 4,620 SH   SOLE   0 0 4,620
ISHARES TR RUS 1000 GRW ETF 464287614   546,242 1,499 SH   SOLE   0 0 1,499
ISHARES TR CORE S&P TTL STK 464287150   20,732,256 174,543 SH   SOLE   0 0 174,543
ISHARES TR CORE MSCI TOTAL 46432F834   15,180,398 224,695 SH   SOLE   0 0 224,695
ISHARES TR CORE MSCI EAFE 46432F842   446,591 6,148 SH   SOLE   0 0 6,148
ISHARES TR ESG AWR MSCI USA 46435G425   445,541 3,734 SH   SOLE   0 0 3,734
ISHARES TR 0-5YR HI YL CP 46434V407   231,847 5,494 SH   SOLE   0 0 5,494
JPMORGAN CHASE & CO. COM 46625H100   253,432 1,253 SH   SOLE   0 0 1,253
META PLATFORMS INC CL A 30303M102   230,933 458 SH   SOLE   0 0 458
MICROSOFT CORP COM 594918104   952,363 2,131 SH   SOLE   0 0 2,131
NOVO-NORDISK A S ADR 670100205   298,184 2,089 SH   SOLE   0 0 2,089
NUCOR CORP COM 670346105   252,928 1,600 SH   SOLE   0 0 1,600
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   662,756 9,726 SH   SOLE   0 0 9,726
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,808,767 15,399 SH   SOLE   0 0 15,399
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   722,565 8,182 SH   SOLE   0 0 8,182
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   525,738 13,688 SH   SOLE   0 0 13,688
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   9,237,295 40,831 SH   SOLE   0 0 40,831
SELECT SECTOR SPDR TR ENERGY 81369Y506   835,749 9,169 SH   SOLE   0 0 9,169
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   3,053,470 74,276 SH   SOLE   0 0 74,276
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   3,232,203 22,176 SH   SOLE   0 0 22,176
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,357,140 17,722 SH   SOLE   0 0 17,722
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,745,503 20,377 SH   SOLE   0 0 20,377
SELECT SECTOR SPDR TR INDL 81369Y704   2,601,375 21,345 SH   SOLE   0 0 21,345
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,035,839 3,741 SH   SOLE   0 0 3,741
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   844,357 1,578 SH   SOLE   0 0 1,578
TARGA RES CORP COM 87612G101   697,602 5,417 SH   SOLE   0 0 5,417
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   2,035,411 41,103 SH   SOLE   0 0 41,103
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,325,845 2,651 SH   SOLE   0 0 2,651
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   431,029 5,146 SH   SOLE   0 0 5,146
VANGUARD INDEX FDS MID CAP ETF 922908629   380,340 1,571 SH   SOLE   0 0 1,571
VANGUARD INDEX FDS TOTAL STK MKT 922908769   16,500,491 61,682 SH   SOLE   0 0 61,682
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   4,335,596 25,686 SH   SOLE   0 0 25,686
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,100,076 4,407 SH   SOLE   0 0 4,407
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,088,126 18,556 SH   SOLE   0 0 18,556
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   314,493 2,792 SH   SOLE   0 0 2,792
VANGUARD STAR FDS VG TL INTL STK F 921909768   8,545,789 141,721 SH   SOLE   0 0 141,721
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   975,996 19,749 SH   SOLE   0 0 19,749
VANGUARD WORLD FD CONSUM STP ETF 92204A207   1,032,762 5,087 SH   SOLE   0 0 5,087
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   1,373,003 4,396 SH   SOLE   0 0 4,396
VANGUARD WORLD FD ENERGY ETF 92204A306   674,542 5,288 SH   SOLE   0 0 5,288
VANGUARD WORLD FD MATERIALS ETF 92204A801   304,549 1,581 SH   SOLE   0 0 1,581
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   1,080,601 4,594 SH   SOLE   0 0 4,594
VANGUARD WORLD FD FINANCIALS ETF 92204A405   1,910,905 19,132 SH   SOLE   0 0 19,132
VANGUARD WORLD FD COMM SRVC ETF 92204A884   1,690,877 12,235 SH   SOLE   0 0 12,235
VANGUARD WORLD FD UTILITIES ETF 92204A876   314,330 2,125 SH   SOLE   0 0 2,125
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   1,960,420 7,370 SH   SOLE   0 0 7,370
VANGUARD WORLD FD INF TECH ETF 92204A702   3,759,367 6,520 SH   SOLE   0 0 6,520
VERIZON COMMUNICATIONS INC COM 92343V104   341,316 8,276 SH   SOLE   0 0 8,276