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 VALUE ETF COM 922908744 4,961 41,394 SH   SOLE   0 0 41,394
VANGUARD INTERMEDIAT ETF COM 921937819 4,323 49,562 SH   SOLE   0 0 49,562
SCHWAB US LARGE-CAP ETF COM 808524300 4,220 45,424 SH   SOLE   0 0 45,424
VANGUARD GROWTH ETF COM 922908736 3,944 21,648 SH   SOLE   0 0 21,648
ISHARES MIN VOL EAFE ETF COM 46429B689 2,924 3,880 SH   SOLE   0 0 3,880
SCHWAB US LARGE CAP COM 808524409 2,530 42,082 SH   SOLE   0 0 42,082
SPDR S&P 400 MID CAP ETF COM 78464A821 2,373 41,561 SH   SOLE   0 0 41,561
ISHARES ETF COM 464287689 2,206 12,035 SH   SOLE   0 0 12,035
APPLE INC COM 037833100 2,205 7,508 SH   SOLE   0 0 7,508
ISHARES CORE MSCI ETF COM 46432F842 1,851 28,219 SH   SOLE   0 0 28,219
ISHARS EDG MSCI USA QLTY COM 46432F339 1,791 17,731 SH   SOLE   0 0 17,731
SCHWAB US SMALL CAP ETF COM 808524607 1,759 23,261 SH   SOLE   0 0 23,261
VANGUARD SMALL CAP ETF COM 922908751 1,756 10,603 SH   SOLE   0 0 10,603
PIMCO ETF TRUST ETF COM 72201R833 1,674 16,477 SH   SOLE   0 0 16,477
SPDR S&P 400 MDCP VAL ETF COM 78464A839 1,666 30,407 SH   SOLE   0 0 30,407
INVESCO TR II ETF COM 46138G102 1,651 31,203 SH   SOLE   0 0 31,203
MICROSOFT CORP COM 594918104 1,445 9,160 SH   SOLE   0 0 9,160
VANGUARD TOTAL STOCK ETF COM 922908769 1,435 8,772 SH   SOLE   0 0 8,772
ISHARES MSCI MIN VOL ETF COM 46429B697 1,307 19,919 SH   SOLE   0 0 19,919
ISHARES ETF COM 464289438 1,155 24,371 SH   SOLE   0 0 24,371
VANGUARD FTSE ETF COM 921943858 1,131 25,676 SH   SOLE   0 0 25,676
EXXON MOBIL CORP COM 30231G102 1,049 15,030 SH   SOLE   0 0 15,030
VANGUARD LRG CAP ETF COM 922908637 1,030 6,968 SH   SOLE   0 0 6,968
ABERDEEN STANDARD ETF COM 00326A104 1,010 69,090 SH   SOLE   0 0 69,090
ISHARES ETF COM 464287598 1,003 7,352 SH   SOLE   0 0 7,352
ISHARES CORE S&P 500 ETF COM 464287200 963 2,979 SH   SOLE   0 0 2,979
SCHWAB INTERNATIONAL COM 808524805 962 28,603 SH   SOLE   0 0 28,603
ISHARES CORE S&P MID ETF COM 464287507 948 4,608 SH   SOLE   0 0 4,608
VANGUARD MID-CAP VAL ETF COM 922908512 907 7,610 SH   SOLE   0 0 7,610
VANECK VECTORS TR ETF COM 92189F643 877 16,009 SH   SOLE   0 0 16,009
VANGUARD MID-CAP ETF COM 922908538 874 5,507 SH   SOLE   0 0 5,507
ISHARES EAFE GRWTH ETF COM 464288885 783 9,054 SH   SOLE   0 0 9,054
ISHARES IBOXX & ETF COM 464287242 777 6,073 SH   SOLE   0 0 6,073
ISHARES TRUST 0-5YR ETF COM 46434V100 747 14,628 SH   SOLE   0 0 14,628
JPMORGAN ETF COM 46641Q837 741 14,697 SH   SOLE   0 0 14,697
JPMORGAN CHASE & CO COM 46625H100 731 5,247 SH   SOLE   0 0 5,247
SPDR GOLD TRUST ETF COM 78463V107 693 4,850 SH   SOLE   0 0 4,850
VANGUARD INDEX FDS ETF COM 922908553 682 7,353 SH   SOLE   0 0 7,353
SPDR S&P 500 TRUST ETF COM 78462F103 654 2,032 SH   SOLE   0 0 2,032
AT&T INC COM COM 00206R102 613 15,694 SH   SOLE   0 0 15,694
VANGUARD FD TL INTL ETF COM 921909768 598 10,733 SH   SOLE   0 0 10,733
ALTRIA GROUP INC COM 02209S103 581 11,647 SH   SOLE   0 0 11,647
ISHARES CORE S&P ETF COM 464287804 567 6,763 SH   SOLE   0 0 6,763
VERIZON COMMUNICATIONS COM 92343V104 563 9,173 SH   SOLE   0 0 9,173
ISHARES CORE U.S. ETF COM 464287226 560 4,982 SH   SOLE   0 0 4,982
SELECT SECTOR SPDR T ETF COM 81369Y886 555 8,619 SH   SOLE   0 0 8,619
BERKSHIRE HATHAWAY INC COM 084670702 524 814 SH   SOLE   0 0 814
UNITEDHEALTH GROUP COM 91324P102 509 1,732 SH   SOLE   0 0 1,732
DISNEY WALT COMPANY COM 254687106 496 3,427 SH   SOLE   0 0 3,427
FIRST TRUST CLOUD ETF COM 33734X192 493 8,159 SH   SOLE   0 0 8,159
BANK OF AMERICA CORP COM 060505104 473 13,422 SH   SOLE   0 0 13,422
AMAZON COM INC COM 023135106 462 250 SH   SOLE   0 0 250
MARKEL CORP COM 570535104 457 400 SH   SOLE   0 0 400
INVESCO QQQ TR ETF COM 46090E107 453 2,130 SH   SOLE   0 0 2,130
ALPHABET INC COM CL A COM 02079K305 446 333 SH   SOLE   0 0 333
INVESCO I BULSHS 2021 CB ETF COM 46138J700 444 20,908 SH   SOLE   0 0 20,908
INVESCO I BULSHS 2020 CB ETF COM 46138J502 437 20,515 SH   SOLE   0 0 20,515
ISHARES ETF COM 464287887 435 2,454 SH   SOLE   0 0 2,454
INVESCO S&P 500 EQUAL COM 46137V357 430 3,712 SH   SOLE   0 0 3,712
DOMINION ENERGY INC COM 25746U109 428 5,172 SH   SOLE   0 0 5,172
JOHNSON & JOHNSON COM 478160104 414 2,835 SH   SOLE   0 0 2,835
ISHARES SHORT TREASURY COM 464288679 393 3,557 SH   SOLE   0 0 3,557
INVESCO TR II ETF COM 46138E202 392 7,154 SH   SOLE   0 0 7,154
PROCTER & GAMBLE CO COM 742718109 391 3,127 SH   SOLE   0 0 3,127
FLAHERTY CRUMRINE DYN PR COM 33848W106 390 14,560 SH   SOLE   0 0 14,560
AMGEN INC COM 031162100 388 1,611 SH   SOLE   0 0 1,611
ISHARES S&P500 VALUE ETF COM 464287408 384 2,951 SH   SOLE   0 0 2,951
PEPSICO INCORPORATED COM 713448108 378 2,769 SH   SOLE   0 0 2,769
COSTCO WHSL CORP NEW COM 22160K105 374 1,274 SH   SOLE   0 0 1,274
SCHWAB EMERGING MARKETS COM 808524706 371 13,567 SH   SOLE   0 0 13,567
CISCO SYSTEMS INC COM 17275R102 370 7,720 SH   SOLE   0 0 7,720
CROWN CASTLE COM 22822V101 362 2,546 SH   SOLE   0 0 2,546
ISHARES 1-3 YEAR TREASRY COM 464287457 359 4,240 SH   SOLE   0 0 4,240
VANGUARD INDEX FDS ETF COM 922908363 333 1,127 SH   SOLE   0 0 1,127
FLAHERTY & CRMRN PRF INC COM 338478100 330 15,215 SH   SOLE   0 0 15,215
VISA INC CLASS A COM 92826C839 325 1,729 SH   SOLE   0 0 1,729
SELECT SECTOR SPDR F ETF COM 81369Y407 324 3,603 SH   SOLE   0 0 3,603
NIKE INC CLASS B COM 654106103 318 3,143 SH   SOLE   0 0 3,143
SPDR PRTFLO S&P500 GW ETF COM 78464A409 316 7,548 SH   SOLE   0 0 7,548
TEXAS INSTRUMENTS INC COM 882508104 308 2,400 SH   SOLE   0 0 2,400
PFIZER INCORPORATED COM 717081103 302 7,720 SH   SOLE   0 0 7,720
ISHARES EDGE MSCI MIN COM 464286525 301 3,142 SH   SOLE   0 0 3,142
HOME DEPOT INC COM 437076102 292 1,335 SH   SOLE   0 0 1,335
VAG LONG-TERM CORPORATE COM 92206C813 289 2,854 SH   SOLE   0 0 2,854
VANGUARD ALLWRLD EX US ETF COM 922042775 286 5,314 SH   SOLE   0 0 5,314
SPDR PRTFLO S&P500 VL ETF COM 78464A508 285 8,174 SH   SOLE   0 0 8,174
SPDR SPORTFOLIO SHORT ETF COM 78464A474 285 9,234 SH   SOLE   0 0 9,234
PIMCO 0-5 YEAR HIGH YLD COM 72201R783 282 2,828 SH   SOLE   0 0 2,828
TRUIST FINL CORP COM 89832Q109 276 4,901 SH   SOLE   0 0 4,901
ROYAL BANK CANADA COM 780087102 274 3,462 SH   SOLE   0 0 3,462
PHILIP MORRIS COM 718172109 272 3,195 SH   SOLE   0 0 3,195
FORTUNE BRANDS HOME COM 34964C106 272 4,158 SH   SOLE   0 0 4,158
ISHARES S&P 500 ETF COM 464287309 272 1,403 SH   SOLE   0 0 1,403
INTEL CORP COM 458140100 269 4,501 SH   SOLE   0 0 4,501
ABBVIE INC COM 00287Y109 268 3,023 SH   SOLE   0 0 3,023
BRISTOL MYERS SQUIBB COM 110122108 266 4,148 SH   SOLE   0 0 4,148
PIMCO DYNAMIC INCOME CF COM 72201Y101 252 7,760 SH   SOLE   0 0 7,760
ISHARES MSCI EAFE IN ETF COM 464287465 251 3,616 SH   SOLE   0 0 3,616
TJX COS INC NEW COM 872540109 245 4,020 SH   SOLE   0 0 4,020
STARBUCKS CORP COM 855244109 240 2,726 SH   SOLE   0 0 2,726
COHEN AND STEERS SEL PRF COM 19248Y107 232 7,350 SH   SOLE   0 0 7,350
BLACKSTONE GROUP INC COM 09260D107 231 4,125 SH   SOLE   0 0 4,125
STARWOOD PROPERTY TR INC COM 85571B105 230 9,245 SH   SOLE   0 0 9,245
PIMCO INVEST GRADE CORP COM 72201R817 229 2,082 SH   SOLE   0 0 2,082
INVESCO S&P 500 HIGH COM 46138E362 225 5,118 SH   SOLE   0 0 5,118
FIRST TR VALUE LINE ETF COM 33734H106 223 6,199 SH   SOLE   0 0 6,199
ISHARES ETF COM 464287481 220 1,442 SH   SOLE   0 0 1,442
SPDR BLMBRG BRCLYS SHORT COM 78468R408 218 8,092 SH   SOLE   0 0 8,092
SOUTHERN CO COM COM 842587107 215 3,375 SH   SOLE   0 0 3,375
MASTERCARD INC CL A COM 57636Q104 214 715 SH   SOLE   0 0 715
WISDOMTREE US QUAL ETF COM 97717X669 213 4,385 SH   SOLE   0 0 4,385
VANECK VECTORS COM 92189H409 208 3,249 SH   SOLE   0 0 3,249
VANGUARD TOTAL INTERNATL COM 92203J407 206 3,636 SH   SOLE   0 0 3,636
VANGUARD DIVIDEND ETF COM 921908844 205 1,641 SH   SOLE   0 0 1,641
AMERICAN TOWER CORP COM 03027X100 203 883 SH   SOLE   0 0 883
AUTOMATIC DATA COM 053015103 203 1,188 SH   SOLE   0 0 1,188
MERCK & CO INC NEW COM 58933Y105 201 2,213 SH   SOLE   0 0 2,213
COMMUNITY BANKERS TR COM 203612106 179 20,160 SH   SOLE   0 0 20,160
COHEN STEERS QUAL INCOME COM 19247L106 179 12,000 SH   SOLE   0 0 12,000
PIMCO INCOME STRATEGY II COM 72201J104 112 10,600 SH   SOLE   0 0 10,600
THE RANGER EQUITY ETF COM 00768Y883 93 17,400 SH   SOLE   0 0 17,400
NIO INC ADR COM 62914V106 56 14,003 SH   SOLE   0 0 14,003