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
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 313 1,212 SH   SOLE   0 0 1,212
ISHARES TR CORE S&P MCP ETF 464287507 696 3,914 SH   SOLE   329 0 3,585
ISHARES TR S&P MC 400GR ETF 464287606 217 970 SH   SOLE   0 0 970
ISHARES TR CORE S&P SCP ETF 464287804 3,718 54,447 SH   SOLE   662 0 53,785
ISHARES TR CORE S&P500 ETF 464287200 138,494 447,203 SH   SOLE   33,616 0 413,587
ISHARES TR S&P 500 GRWT ETF 464287309 548 2,640 SH   SOLE   0 0 2,640
ISHARES TR RUS 1000 ETF 464287622 1,677 9,769 SH   SOLE   298 0 9,471
ISHARES TR RUS 1000 VAL ETF 464287598 4,952 43,975 SH   SOLE   962 0 43,013
ISHARES TR RUS 1000 GRW ETF 464287614 118,272 616,160 SH   SOLE   40,188 0 575,972
ISHARES TR RUSSELL 2000 ETF 464287655 11,248 78,560 SH   SOLE   3,201 0 75,359
ISHARES TR RUS 2000 VAL ETF 464287630 636 6,528 SH   SOLE   0 0 6,528
ISHARES TR RUSSELL 3000 ETF 464287689 399 2,215 SH   SOLE   880 0 1,335
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,562 34,251 SH   SOLE   1,689 0 32,562
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 5,661 100,311 SH   SOLE   59,842 0 40,469
ADOBE INC COM 00724F101 9,429 21,661 SH   SOLE   1,974 0 19,687
AMAZON COM INC COM 023135106 14,349 5,201 SH   SOLE   262 0 4,939
BRISTOL-MYERS SQUIBB CO COM 110122108 8,627 146,711 SH   SOLE   10,047 0 136,665
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 7,347 41,156 SH   SOLE   3,251 0 37,905
EMERSON ELEC CO COM 291011104 422 6,805 SH   SOLE   400 0 6,405
BOEING CO COM 097023105 1,123 6,124 SH   SOLE   652 0 5,472
HERSHEY CO COM 427866108 502 3,875 SH   SOLE   0 0 3,875
REALTY INCOME CORP COM 756109104 232 3,895 SH   SOLE   0 0 3,895
INVESCO QQQ TR UNIT SER 1 46090E903 721 2,913 SH   SOLE   0 0 2,913
AMGEN INC COM 031162100 2,525 10,708 SH   SOLE   148 0 10,560
ABBOTT LABS COM 002824100 2,535 27,726 SH   SOLE   541 0 27,185
BP PLC SPONSORED ADR 055622104 576 24,707 SH   SOLE   59 0 24,648
EBAY INC. COM 278642103 6,933 132,175 SH   SOLE   14,032 0 118,143
ALTRIA GROUP INC COM 02209S103 1,047 26,669 SH   SOLE   6,820 0 19,849
FEDEX CORP COM 31428X106 271 1,930 SH   SOLE   0 0 1,930
GENUINE PARTS CO COM 372460105 665 7,646 SH   SOLE   17 0 7,629
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 864 21,191 SH   SOLE   36 0 21,155
GRAINGER W W INC COM 384802104 346 1,101 SH   SOLE   0 0 1,101
INTEL CORP COM 458140100 3,052 51,007 SH   SOLE   967 0 50,040
ILLINOIS TOOL WKS INC COM 452308109 288 1,646 SH   SOLE   0 0 1,646
ISHARES TR RUS 2000 GRW ETF 464287648 1,091 5,273 SH   SOLE   82 0 5,191
ORACLE CORP COM 68389X105 7,572 136,993 SH   SOLE   11,121 0 125,872
QUALCOMM INC COM 747525103 6,336 69,471 SH   SOLE   6,736 0 62,735
DISNEY WALT CO COM DISNEY 254687106 6,242 55,979 SH   SOLE   5,132 0 50,847
HONEYWELL INTL INC COM 438516106 5,394 37,309 SH   SOLE   3,673 0 33,635
SHERWIN WILLIAMS CO COM 824348106 1,207 2,089 SH   SOLE   100 0 1,989
SYSCO CORP COM 871829107 429 7,843 SH   SOLE   70 0 7,773
US BANCORP DEL COM NEW 902973304 518 14,079 SH   SOLE   0 0 14,079
JOHNSON & JOHNSON COM 478160104 15,422 109,666 SH   SOLE   4,080 0 105,585
MEDTRONIC PLC SHS G5960L103 345 3,762 SH   SOLE   74 0 3,688
PFIZER INC COM 717081103 4,689 143,389 SH   SOLE   1,231 0 142,158
LOWES COS INC COM 548661107 2,321 17,176 SH   SOLE   2,992 0 14,184
ISHARES TR MSCI EAFE ETF 464287465 38,848 638,206 SH   SOLE   53,219 0 584,987
CHEVRON CORP NEW COM 166764100 1,961 21,973 SH   SOLE   57 0 21,916
MICROSOFT CORP COM 594918104 24,996 122,824 SH   SOLE   11,452 0 111,371
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 526 32,974 SH   SOLE   333 0 32,641
UNITED PARCEL SERVICE INC CL B 911312106 322 2,898 SH   SOLE   0 0 2,898
AT&T INC COM 00206R102 2,901 95,948 SH   SOLE   4,055 0 91,893
PRUDENTIAL FINL INC COM 744320102 611 10,027 SH   SOLE   23 0 10,004
TRUIST FINL CORP COM 89832Q109 2,192 58,381 SH   SOLE   3,666 0 54,715
CITIGROUP INC COM NEW 172967424 581 11,370 SH   SOLE   0 0 11,370
CISCO SYS INC COM 17275R102 2,331 49,978 SH   SOLE   1,958 0 48,020
GRAPHIC PACKAGING HLDG CO COM 388689101 196 14,005 SH   SOLE   0 0 14,005
INTERNATIONAL BUSINESS MACHS COM 459200101 1,680 13,910 SH   SOLE   2,982 0 10,928
COCA COLA CO COM 191216100 3,000 67,147 SH   SOLE   1,499 0 65,648
LOCKHEED MARTIN CORP COM 539830109 1,576 4,318 SH   SOLE   0 0 4,318
PEPSICO INC COM 713448108 11,748 88,823 SH   SOLE   7,731 0 81,092
VERIZON COMMUNICATIONS INC COM 92343V104 9,004 163,323 SH   SOLE   10,838 0 152,485
ISHARES TR RUS MID CAP ETF 464287499 27,274 508,849 SH   SOLE   13,744 0 495,105
ISHARES TR RUS MD CP GR ETF 464287481 13,291 84,055 SH   SOLE   5,583 0 78,472
ISHARES TR RUS MDCP VAL ETF 464287473 13,742 179,566 SH   SOLE   5,613 0 173,953
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 5,750 98,061 SH   SOLE   59,275 0 38,786
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 273 2,326 SH   SOLE   0 0 2,326
SCHWAB CHARLES CORP COM 808513105 4,457 132,100 SH   SOLE   13,487 0 118,613
WALGREENS BOOTS ALLIANCE INC COM 931427108 742 17,507 SH   SOLE   36 0 17,471
AMETEK INC COM 031100100 224 2,505 SH   SOLE   0 0 2,505
DEERE & CO COM 244199105 707 4,499 SH   SOLE   316 0 4,183
BK OF AMERICA CORP COM 060505104 1,124 47,312 SH   SOLE   5,614 0 41,698
STARBUCKS CORP COM 855244109 5,940 80,715 SH   SOLE   7,192 0 73,522
AUTOMATIC DATA PROCESSING IN COM 053015103 549 3,687 SH   SOLE   0 0 3,687
EXXON MOBIL CORP COM 30231G102 2,815 62,941 SH   SOLE   7,254 0 55,687
WALMART INC COM 931142103 2,917 24,351 SH   SOLE   3,197 0 21,154
APPLIED MATLS INC COM 038222105 224 3,703 SH   SOLE   132 0 3,571
ANTHEM INC COM 036752103 2,041 7,760 SH   SOLE   0 0 7,760
UNION PAC CORP COM 907818108 1,239 7,331 SH   SOLE   72 0 7,259
TEXAS INSTRS INC COM 882508104 9,666 76,126 SH   SOLE   0 0 76,126
BAXTER INTL INC COM 071813109 468 5,431 SH   SOLE   0 0 5,431
TARGET CORP COM 87612E106 392 3,265 SH   SOLE   50 0 3,215
COLGATE PALMOLIVE CO COM 194162103 6,191 84,513 SH   SOLE   7,829 0 76,683
CAPITAL ONE FINL CORP COM 14040H105 950 15,177 SH   SOLE   0 0 15,177
COSTCO WHSL CORP NEW COM 22160K105 1,464 4,829 SH   SOLE   117 0 4,712
LILLY ELI & CO COM 532457108 2,389 14,551 SH   SOLE   0 0 14,551
CVS HEALTH CORP COM 126650100 332 5,108 SH   SOLE   114 0 4,994
DOMINION ENERGY INC COM 25746U109 2,107 25,952 SH   SOLE   0 0 25,952
DIAGEO P L C SPON ADR NEW 25243Q205 454 3,379 SH   SOLE   0 0 3,379
DANAHER CORPORATION COM 235851102 8,601 48,640 SH   SOLE   3,578 0 45,062
MERCK & CO. INC COM 58933Y105 7,887 101,985 SH   SOLE   10,537 0 91,448
MICRON TECHNOLOGY INC COM 595112103 220 4,275 SH   SOLE   0 0 4,275
MORGAN STANLEY COM NEW 617446448 5,387 111,530 SH   SOLE   13,054 0 98,476
NOVARTIS AG SPONSORED ADR 66987V109 462 5,291 SH   SOLE   256 0 5,035
PROCTER AND GAMBLE CO COM 742718109 9,459 79,107 SH   SOLE   7,954 0 71,153
GENERAL ELECTRIC CO COM 369604103 843 123,438 SH   SOLE   1,000 0 122,438
KIMBERLY CLARK CORP COM 494368103 2,013 14,238 SH   SOLE   55 0 14,183
GOLDMAN SACHS GROUP INC COM 38141G104 493 2,496 SH   SOLE   0 0 2,496
HOME DEPOT INC COM 437076102 1,958 7,817 SH   SOLE   574 0 7,243
MCDONALDS CORP COM 580135101 1,226 6,648 SH   SOLE   0 0 6,648
NIKE INC CL B 654106103 1,096 11,178 SH   SOLE   0 0 11,178
JPMORGAN CHASE & CO COM 46625H100 2,377 25,270 SH   SOLE   3,985 0 21,285
SIRIUS XM HOLDINGS INC COM 82968B103 75 12,780 SH   SOLE   0 0 12,780
TJX COS INC NEW COM 872540109 264 5,222 SH   SOLE   0 0 5,222
MONDELEZ INTL INC CL A 609207105 1,410 27,579 SH   SOLE   3,705 0 23,874
BOOKING HOLDINGS INC COM 09857L108 244 153 SH   SOLE   0 0 153
WILLIS TOWERS WATSON PLC LTD SHS G96629103 367 1,864 SH   SOLE   0 0 1,864
WILLIAMS COS INC COM 969457100 239 12,548 SH   SOLE   0 0 12,548
WELLS FARGO CO NEW COM 949746101 202 7,887 SH   SOLE   1,983 0 5,904
ISHARES TR 1 3 YR TREAS BD 464287457 1,814 20,944 SH   SOLE   0 0 20,944
ISHARES TR BARCLAYS 7 10 YR 464287440 1,162 9,534 SH   SOLE   0 0 9,534
ISHARES TR 20 YR TR BD ETF 464287432 331 2,020 SH   SOLE   0 0 2,020
ISHARES TR IBOXX INV CP ETF 464287242 655 4,869 SH   SOLE   100 0 4,769
PROGRESSIVE CORP OHIO COM 743315103 607 7,571 SH   SOLE   0 0 7,571
XCEL ENERGY INC COM 98389B100 255 4,076 SH   SOLE   0 0 4,076
FISERV INC COM 337738108 7,073 72,455 SH   SOLE   6,576 0 65,879
FORD MTR CO DEL COM 345370860 77 12,700 SH   SOLE   0 0 12,700
UNITEDHEALTH GROUP INC COM 91324P102 6,429 21,799 SH   SOLE   2,204 0 19,594
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 243 1,130 SH   SOLE   67 0 1,063
AMERICAN TOWER CORP NEW COM 03027X100 6,143 23,762 SH   SOLE   2,380 0 21,381
CROWN CASTLE INTL CORP NEW COM 22822V101 252 1,508 SH   SOLE   0 0 1,508
RAYTHEON TECHNOLOGIES CORP COM 75513E901 833 13,525 SH   SOLE   161 0 13,364
MARSH & MCLENNAN COS INC COM 571748102 255 2,378 SH   SOLE   0 0 2,378
3M CO COM 88579Y101 699 4,481 SH   SOLE   0 0 4,481
OMNICOM GROUP INC COM 681919106 268 4,901 SH   SOLE   0 0 4,901
DOLLAR TREE INC COM 256746108 6,608 71,302 SH   SOLE   6,032 0 65,270
ALBEMARLE CORP COM 012653101 524 6,783 SH   SOLE   0 0 6,783
COMCAST CORP NEW CL A 20030N101 1,256 32,220 SH   SOLE   2,702 0 29,518
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,999 25,551 SH   SOLE   1,723 0 23,828
WASTE MGMT INC DEL COM 94106L109 6,337 59,830 SH   SOLE   5,133 0 54,697
UNILEVER N V N Y SHS NEW 904784709 372 6,976 SH   SOLE   0 0 6,976
NORFOLK SOUTHERN CORP COM 655844108 71,822 409,076 SH   SOLE   37,219 0 371,857
NEXTERA ENERGY INC COM 65339F101 1,531 6,373 SH   SOLE   319 0 6,054
DUKE ENERGY CORP NEW COM NEW 26441C204 1,792 22,436 SH   SOLE   2,245 0 20,191
CSX CORP COM 126408103 795 11,400 SH   SOLE   0 0 11,400
APPLE INC COM 037833100 31,317 85,848 SH   SOLE   2,598 0 83,250
ALLSTATE CORP COM 020002101 294 3,035 SH   SOLE   0 0 3,035
CATERPILLAR INC DEL COM 149123101 11,652 92,111 SH   SOLE   40 0 92,071
INTL PAPER CO COM 460146103 251 7,122 SH   SOLE   0 0 7,122
ISHARES TR MSCI EMG MKT ETF 464287234 1,962 49,066 SH   SOLE   32,828 0 16,238
EQUIFAX INC COM 294429105 259 1,508 SH   SOLE   908 0 600
ECOLAB INC COM 278865100 221 1,110 SH   SOLE   0 0 1,110
AMERICAN EXPRESS CO COM 025816109 1,011 10,622 SH   SOLE   384 0 10,238
CRACKER BARREL OLD CTRY STOR COM 22410J106 631 5,692 SH   SOLE   0 0 5,692
ARCHER DANIELS MIDLAND CO COM 039483102 215 5,376 SH   SOLE   0 0 5,376
KELLOGG CO COM 487836108 4,035 61,084 SH   SOLE   0 0 61,084
S&P GLOBAL INC COM 78409V104 275 834 SH   SOLE   0 0 834
GENERAL DYNAMICS CORP COM 369550108 319 2,134 SH   SOLE   0 0 2,134
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 738 27,106 SH   SOLE   59 0 27,047
KLA CORP COM NEW 482480100 311 1,598 SH   SOLE   0 0 1,598
SOUTHERN CO COM 842587107 2,262 43,626 SH   SOLE   5,562 0 38,064
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 470 11,856 SH   SOLE   0 0 11,856
NORTHROP GRUMMAN CORP COM 666807102 5,651 18,379 SH   SOLE   1,659 0 16,720
BERKSHIRE HATHAWAY INC DEL CL A 084670108 3,742 14 SH   SOLE   0 0 14
CIGNA CORP NEW COM 125523100 677 3,610 SH   SOLE   189 0 3,421
VALERO ENERGY CORP COM 91913Y100 322 5,466 SH   SOLE   0 0 5,466
ROCKWELL AUTOMATION INC COM 773903109 240 1,125 SH   SOLE   0 0 1,125
PNC FINL SVCS GROUP INC COM 693475105 1,789 17,003 SH   SOLE   150 0 16,853
OREILLY AUTOMOTIVE INC COM 67103H107 4,877 11,565 SH   SOLE   1,329 0 10,236
NETFLIX INC COM 64110L106 287 630 SH   SOLE   0 0 630
ISHARES TR CORE US AGGBD ET 464287226 17,981 152,109 SH   SOLE   87,786 0 64,323
WP CAREY INC COM 92936U109 678 10,028 SH   SOLE   23 0 10,005
LABORATORY CORP AMER HLDGS COM NEW 50540R409 5,905 35,547 SH   SOLE   3,471 0 32,076
ISHARES TR SELECT DIVID ETF 464287168 499 6,187 SH   SOLE   0 0 6,187
ISHARES TR TIPS BD ETF 464287176 487 3,960 SH   SOLE   0 0 3,960
CLOROX CO DEL COM 189054109 1,250 5,699 SH   SOLE   0 0 5,699
HENRY SCHEIN INC COM 806407102 306 5,245 SH   SOLE   0 0 5,245
AIR PRODS & CHEMS INC COM 009158106 995 4,122 SH   SOLE   0 0 4,122
DOLLAR GEN CORP NEW COM 256677105 322 1,689 SH   SOLE   0 0 1,689
ALLSCRIPTS HEALTHCARE SOLUTN COM 01988P108 138 20,400 SH   SOLE   0 0 20,400
CONSOLIDATED EDISON INC COM 209115104 314 4,370 SH   SOLE   0 0 4,370
CHECK POINT SOFTWARE TECH LT ORD M22465104 285 2,654 SH   SOLE   10 0 2,644
NVIDIA CORPORATION COM 67066G104 9,375 24,677 SH   SOLE   2,408 0 22,269
VERTEX PHARMACEUTICALS INC COM 92532F100 920 3,168 SH   SOLE   0 0 3,168
MSA SAFETY INC COM 553498106 328 2,864 SH   SOLE   0 0 2,864
AMERICAN ELEC PWR CO INC COM 025537101 443 5,557 SH   SOLE   163 0 5,394
WEYERHAEUSER CO MTN BE COM NEW 962166104 295 13,142 SH   SOLE   0 0 13,142
RELIANCE STEEL & ALUMINUM CO COM 759509102 435 4,583 SH   SOLE   4,583 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 495 2,919 SH   SOLE   0 0 2,919
GALLAGHER ARTHUR J & CO COM 363576109 415 4,255 SH   SOLE   0 0 4,255
RAYONIER INC COM 754907103 358 14,425 SH   SOLE   0 0 14,425
KANSAS CITY SOUTHERN COM NEW 485170302 271 1,817 SH   SOLE   0 0 1,817
URBAN OUTFITTERS INC COM 917047102 167 11,000 SH   SOLE   0 0 11,000
MOODYS CORP COM 615369105 240 874 SH   SOLE   0 0 874
SANOFI SPONSORED ADR 80105N105 1,840 36,047 SH   SOLE   29 0 36,018
BECTON DICKINSON & CO COM 075887109 635 2,654 SH   SOLE   0 0 2,654
PRA GROUP INC COM 69354N106 6,757 174,776 SH   SOLE   0 0 174,776
ALPHABET INC CAP STK CL A 02079K305 8,583 6,053 SH   SOLE   496 0 5,557
SPDR GOLD TR GOLD SHS 78463V107 2,927 17,489 SH   SOLE   1,452 0 16,037
MARVELL TECHNOLOGY GROUP LTD ORD G5876H105 731 20,851 SH   SOLE   0 0 20,851
CBRE GROUP INC CL A 12504L109 232 5,135 SH   SOLE   0 0 5,135
VANGUARD INDEX FDS VALUE ETF 922908744 41,249 414,184 SH   SOLE   33,279 0 380,905
CELANESE CORP DEL COM 150870103 245 2,834 SH   SOLE   0 0 2,834
VANGUARD INDEX FDS MID CAP ETF 922908629 27,558 168,128 SH   SOLE   12,138 0 155,989
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,613 15,089 SH   SOLE   150 0 14,939
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 362 4,611 SH   SOLE   0 0 4,611
INTUITIVE SURGICAL INC COM NEW 46120E602 333 585 SH   SOLE   0 0 585
BLACKROCK INC COM 09247X101 311 571 SH   SOLE   17 0 554
VANGUARD INDEX FDS SMALL CP ETF 922908751 23,667 162,417 SH   SOLE   10,724 0 151,693
VANGUARD INDEX FDS GROWTH ETF 922908736 1,788 8,848 SH   SOLE   0 0 8,848
MARKEL CORP COM 570535104 388 420 SH   SOLE   0 0 420
CARMAX INC COM 143130102 513 5,732 SH   SOLE   0 0 5,732
VULCAN MATLS CO COM 929160109 369 3,188 SH   SOLE   0 0 3,188
ABIOMED INC COM 003654100 492 2,036 SH   SOLE   0 0 2,036
OPTICAL CABLE CORP COM NEW 683827208 309 123,776 SH   SOLE   0 0 123,776
MCCORMICK & CO INC COM NON VTG 579780206 1,477 8,230 SH   SOLE   70 0 8,160
INTERCONTINENTAL EXCHANGE IN COM 45866F104 5,145 56,171 SH   SOLE   6,037 0 50,134
COPART INC COM 217204106 428 5,145 SH   SOLE   0 0 5,145
PARKER HANNIFIN CORP COM 701094104 718 3,920 SH   SOLE   0 0 3,920
ACUITY BRANDS INC COM 00508Y102 598 6,245 SH   SOLE   0 0 6,245
VIACOMCBS INC CL B 92556H206 672 28,801 SH   SOLE   67 0 28,734
SPDR SER TR S&P DIVID ETF 78464A763 418 4,587 SH   SOLE   0 0 4,587
ISHARES GOLD TRUST ISHARES 464285105 488 28,718 SH   SOLE   0 0 28,718
THERMO FISHER SCIENTIFIC INC COM 883556102 480 1,325 SH   SOLE   0 0 1,325
FIDELITY NATL INFORMATION SV COM 31620M106 204 1,520 SH   SOLE   907 0 613
ISHARES TR EAFE VALUE ETF 464288877 756 18,916 SH   SOLE   125 0 18,791
SALESFORCE COM INC COM 79466L302 6,817 36,388 SH   SOLE   3,308 0 33,080
SMITH A O CORP COM 831865209 286 6,070 SH   SOLE   0 0 6,070
ENBRIDGE INC COM 29250N105 233 7,660 SH   SOLE   214 0 7,446
BROWN FORMAN CORP CL B 115637209 1,195 18,776 SH   SOLE   0 0 18,776
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 39,197 164,764 SH   SOLE   1,644 0 163,120
NEWMARKET CORP COM 651587107 1,322 3,302 SH   SOLE   0 0 3,302
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,755 35,195 SH   SOLE   11,720 0 23,475
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 430 11,734 SH   SOLE   0 0 11,734
MASTERCARD INCORPORATED CL A 57636Q104 8,107 27,418 SH   SOLE   2,526 0 24,892
PROSHARES TR PSHS ULT S&P 500 74347R107 265 2,121 SH   SOLE   0 0 2,121
WISDOMTREE TR INTL SMCAP DIV 97717W760 854 15,343 SH   SOLE   125 0 15,218
F N B CORP COM 302520101 532 70,897 SH   SOLE   0 0 70,897
WISDOMTREE TR INTL LRGCAP DV 97717W794 258 6,331 SH   SOLE   75 0 6,256
WISDOMTREE TR US LARGECAP DIVD 97717W307 23,816 256,421 SH   SOLE   13,121 0 243,300
WISDOMTREE TR US MIDCAP DIVID 97717W505 5,120 180,663 SH   SOLE   13,806 0 166,857
WISDOMTREE TR US SMALLCAP DIVD 97717W604 654 30,879 SH   SOLE   0 0 30,879
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 582 17,340 SH   SOLE   0 0 17,340
HANESBRANDS INC COM 410345102 201 17,826 SH   SOLE   0 0 17,826
AMERICAN NATL BANKSHARES INC COM 027745108 371 14,801 SH   SOLE   0 0 14,801
ARES CAPITAL CORP COM 04010L103 208 14,408 SH   SOLE   0 0 14,408
PROSHARES TR PSHS ULTRA DOW30 74347R305 225 5,579 SH   SOLE   0 0 5,579
VICTORY PORTFOLIOS II VCSHS US 500 ENH 92647N782 721 13,893 SH   SOLE   0 0 13,893
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 241 2,523 SH   SOLE   360 0 2,163
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 360 7,559 SH   SOLE   0 0 7,559
ISHARES TR SHORT TREAS BD 464288679 37,496 338,598 SH   SOLE   29,398 0 309,200
ISHARES TR IBOXX HI YD ETF 464288513 5,884 72,085 SH   SOLE   63,605 0 8,480
ISHARES TR SH TR CRPORT ETF 464288646 1,100 20,099 SH   SOLE   0 0 20,099
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 856 10,296 SH   SOLE   40 0 10,256
DELTA AIR LINES INC DEL COM NEW 247361702 2,096 74,721 SH   SOLE   215 0 74,506
PROSHARES TR PSHS ULTRUSS2000 74347R842 228 4,694 SH   SOLE   0 0 4,694
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 10,877 123,127 SH   SOLE   42,723 0 80,404
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 334 9,974 SH   SOLE   0 0 9,974
BLACKSTONE GROUP INC COM CL A 09260D107 451 7,960 SH   SOLE   485 0 7,475
ISHARES TR PFD AND INCM SEC 464288687 239 6,888 SH   SOLE   0 0 6,888
BANK NEW YORK MELLON CORP COM 064058100 4,477 115,843 SH   SOLE   14,127 0 101,716
ISHARES TR 3 7 YR TREAS BD 464288661 2,051 15,346 SH   SOLE   0 0 15,346
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 494 6,275 SH   SOLE   0 0 6,275
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 2,879 74,215 SH   SOLE   0 0 74,215
ISHARES TR NATIONAL MUN ETF 464288414 12,335 106,888 SH   SOLE   10,146 0 96,742
RENASANT CORP COM 75970E907 488 19,580 SH   SOLE   0 0 19,580
TOWNEBANK PORTSMOUTH VA COM 89214P109 3,350 177,819 SH   SOLE   1,975 0 175,844
DIREXION SHS ETF TR 20YR TRES BEAR 25460G849 201 3,896 SH   SOLE   0 0 3,896
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 1,415 6,369 SH   SOLE   2,339 0 4,030
SPDR SER TR SPDR BLOOMBERG 78468R663 9,182 100,312 SH   SOLE   9,037 0 91,275
INVESCO DB US DLR INDEX TR BULLISH FD 46141D203 949 36,044 SH   SOLE   9,879 0 26,165
SPDR SER TR BLOOMBERG BRCLYS 78468R622 5,283 52,222 SH   SOLE   51,510 0 712
FIRST TR MULTI CAP GROWTH AL COM SHS 33733F101 288 3,700 SH   SOLE   0 0 3,700
VISA INC COM CL A 92826C839 3,192 16,523 SH   SOLE   10 0 16,513
PHILIP MORRIS INTL INC COM 718172109 978 13,959 SH   SOLE   3,911 0 10,048
VANECK VECTORS ETF TR AMT FREE INT ETF 92189H201 7,446 146,164 SH   SOLE   23,361 0 122,803
ISHARES TR MSCI ACWI EX US 464288240 605 13,993 SH   SOLE   0 0 13,993
SPDR SER TR PORTFOLIO LN TSR 78464A664 245 5,215 SH   SOLE   0 0 5,215
SPDR SER TR PORTFOLIO S&P500 78464A854 363 10,019 SH   SOLE   0 0 10,019
IRIDIUM COMMUNICATIONS INC COM 46269C102 418 16,413 SH   SOLE   0 0 16,413
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 34,730 1,257,421 SH   SOLE   153,508 0 1,103,914
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 488 34,590 SH   SOLE   0 0 34,590
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373 1,447 10,670 SH   SOLE   3,949 0 6,721
INVESCO EXCHANGE TRADED FD T S&P500 EQL UTL 46137V274 1,346 14,798 SH   SOLE   5,526 0 9,272
SOUTHERN NATL BANCORP OF VA COM 843395104 836 86,311 SH   SOLE   0 0 86,311
ISHARES TR MSCI ACWI ETF 464288257 2,221 30,125 SH   SOLE   30 0 30,095
CRH MED CORP COM 12626F105 72 35,000 SH   SOLE   0 0 35,000
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 2,774 91,480 SH   SOLE   6,542 0 84,938
ISHARES TR CONSER ALLOC ETF 464289883 764 20,989 SH   SOLE   0 0 20,989
ISHARES TR INTL TREA BD ETF 464288117 422 8,297 SH   SOLE   0 0 8,297
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 9,925 104,323 SH   SOLE   29,080 0 75,244
BROADCOM INC COM 11135F101 955 3,025 SH   SOLE   4 0 3,021
VANECK VECTORS ETF TR VIETNAM ETF 92189F817 215 16,020 SH   SOLE   0 0 16,020
MESOBLAST LTD SPONS ADR 590717104 319 28,000 SH   SOLE   0 0 28,000
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 3,267 32,130 SH   SOLE   251 0 31,879
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,019 135,081 SH   SOLE   3,123 0 131,958
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 796 10,738 SH   SOLE   0 0 10,738
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 549 17,400 SH   SOLE   0 0 17,400
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 312 4,769 SH   SOLE   0 0 4,769
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,548 54,637 SH   SOLE   200 0 54,437
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,566 51,208 SH   SOLE   0 0 51,208
PIMCO ETF TR INTER MUN BD ACT 72201R866 310 5,576 SH   SOLE   5,576 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,559 22,098 SH   SOLE   0 0 22,098
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 904 14,528 SH   SOLE   0 0 14,528
TESLA INC COM 88160R101 715 662 SH   SOLE   0 0 662
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 838 16,222 SH   SOLE   0 0 16,222
SCHWAB STRATEGIC TR US TIPS ETF 808524870 316 5,260 SH   SOLE   0 0 5,260
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,383 7,010 SH   SOLE   0 0 7,010
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 130,534 460,550 SH   SOLE   21,659 0 438,891
SHOPIFY INC CL A 82509L107 571 602 SH   SOLE   0 0 602
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,654 50,428 SH   SOLE   175 0 50,253
HUNTINGTON INGALLS INDS INC COM 446413106 250 1,430 SH   SOLE   0 0 1,430
ISHARES TR CORE HIGH DV ETF 46429B663 287 3,534 SH   SOLE   0 0 3,534
VANECK VECTORS ETF TR INVT GRADE FLTG 92189F486 847 33,841 SH   SOLE   1,570 0 32,271
ISHARES TR FLTG RATE NT ETF 46429B655 12,663 250,308 SH   SOLE   9,499 0 240,809
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 372 6,617 SH   SOLE   0 0 6,617
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 291 5,633 SH   SOLE   0 0 5,633
ISHARES TR MSCI MIN VOL ETF 46429B697 414 6,826 SH   SOLE   0 0 6,826
ISHARES INC MIN VOL GBL ETF 464286525 734 8,381 SH   SOLE   0 0 8,381
WPX ENERGY INC COM 98212B103 170 26,700 SH   SOLE   0 0 26,700
INSEEGO CORP COM 45782B104 116 10,015 SH   SOLE   0 0 10,015
PIMCO ETF TR ACTIVE BD ETF 72201R775 6,430 57,624 SH   SOLE   30,109 0 27,515
SPDR SER TR PORTFOLIO SH TSR 78468R101 399 12,986 SH   SOLE   0 0 12,986
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 445 20,934 SH   SOLE   0 0 20,934
FACEBOOK INC CL A 30303M102 1,623 7,149 SH   SOLE   201 0 6,948
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 407 14,195 SH   SOLE   9,430 0 4,765
FLEETCOR TECHNOLOGIES INC COM 339041105 468 1,862 SH   SOLE   0 0 1,862
CARLYLE GROUP INC COM 14316J108 480 17,222 SH   SOLE   0 0 17,222
ISHARES INC CORE MSCI EMKT 46434G103 223 4,679 SH   SOLE   0 0 4,679
ISHARES TR CORE MSCI EAFE 46432F842 1,026 17,946 SH   SOLE   0 0 17,946
INDEXIQ ETF TR IQ HEDGMKT NUT 45409B503 1,122 42,605 SH   SOLE   0 0 42,605
NUVEEN INTER DURATION MN TMF COM 670671106 265 20,072 SH   SOLE   0 0 20,072
ABBVIE INC COM 00287Y109 3,804 38,744 SH   SOLE   697 0 38,047
CYRUSONE INC COM 23283R100 282 3,883 SH   SOLE   0 0 3,883
ZOETIS INC CL A 98978V103 6,027 43,982 SH   SOLE   4,094 0 39,888
ORCHID IS CAP INC COM 68571X103 71 15,000 SH   SOLE   0 0 15,000
ARMADA HOFFLER PPTYS INC COM 04208T108 4,450 447,198 SH   SOLE   0 0 447,198
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 6,637 114,959 SH   SOLE   17,755 0 97,204
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 6,195 289,888 SH   SOLE   1,695 0 288,193
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 254 10,685 SH   SOLE   0 0 10,685
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 5,178 237,291 SH   SOLE   0 0 237,291
ISHARES TR USA QUALITY FCTR 46432F339 30,786 320,958 SH   SOLE   29,939 0 291,019
FIREEYE INC COM 31816Q101 174 14,319 SH   SOLE   0 0 14,319
VEEVA SYS INC CL A COM 922475108 305 1,302 SH   SOLE   0 0 1,302
PROSHARES TR S&P 500 DV ARIST 74348A467 2,770 41,122 SH   SOLE   0 0 41,122
ALLEGION PLC ORD SHS G0176J109 368 3,603 SH   SOLE   0 0 3,603
UNIQURE NV SHS N90064101 351 7,788 SH   SOLE   230 0 7,558
TRIPLEPOINT VENTURE GROWTH B COM 89677Y100 247 24,000 SH   SOLE   0 0 24,000
ALPHABET INC CAP STK CL C 02079K107 3,780 2,674 SH   SOLE   16 0 2,658
INVESCO EXCHANGE-TRADED FD T VAR RATE PFD 46138G870 491 20,937 SH   SOLE   4,581 0 16,356
ISHARES TR GLOBAL REIT ETF 46434V647 296 14,165 SH   SOLE   0 0 14,165
ISHARES TR IBONDS SEP2020 46434V571 268 10,521 SH   SOLE   0 0 10,521
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 509 2,358 SH   SOLE   60 0 2,298
CITIZENS FINANCIAL GROUP INC COM 174610105 217 8,597 SH   SOLE   0 0 8,597
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 8,693 399,510 SH   SOLE   0 0 399,510
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 6,515 295,592 SH   SOLE   0 0 295,592
PORTFOLIO RECOVERY ASSOCS IN NOTE 3.000% 8/0 73640QAB1 497 500,000 PRN   SOLE   0 0 500,000
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 3,926 79,230 SH   SOLE   42,271 0 36,959
ISHARES TR IBONDS DEC21 ETF 46434VBK5 226 9,000 SH   SOLE   0 0 9,000
COMMUNITY HEALTHCARE TR INC COM 20369C106 245 6,000 SH   SOLE   0 0 6,000
WINGSTOP INC COM 974155103 467 3,357 SH   SOLE   3,357 0 0
KRAFT HEINZ CO COM 500754106 924 28,979 SH   SOLE   1,281 0 27,698
PAYPAL HLDGS INC COM 70450Y103 9,681 55,562 SH   SOLE   4,816 0 50,746
ISHARES TR IBONDS DEC2022 46435G755 742 28,080 SH   SOLE   0 0 28,080
ISHARES TR IBONDS DEC2021 46435G789 599 23,110 SH   SOLE   0 0 23,110
ATLASSIAN CORP PLC CL A G06242104 233 1,293 SH   SOLE   0 0 1,293
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 270 8,910 SH   SOLE   0 0 8,910
HUBBELL INC COM 443510607 506 4,035 SH   SOLE   0 0 4,035
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 5,496 247,347 SH   SOLE   2,219 0 245,128
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 515 9,010 SH   SOLE   4,990 0 4,020
FORTIVE CORP COM 34959J108 604 8,924 SH   SOLE   0 0 8,924
KINSALE CAP GROUP INC COM 49714P108 1,316 8,478 SH   SOLE   0 0 8,478
NUVEEN HIGH INCOME NOVEMBER COM 67077N106 89 10,000 SH   SOLE   0 0 10,000
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 3,730 173,471 SH   SOLE   5,445 0 168,026
LIONS GATE ENTMNT CORP CL B NON VTG 535919500 114 16,650 SH   SOLE   0 0 16,650
FIRST TR SR FLOATING RATE 20 COM SHS 33740K101 234 28,307 SH   SOLE   0 0 28,307
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 14,018 278,911 SH   SOLE   30,347 0 248,564
CADENCE BANCORPORATION CL A 12739A100 137 15,500 SH   SOLE   0 0 15,500
ISHARES TR IBONDS DEC2023 46435G318 784 29,892 SH   SOLE   0 0 29,892
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 8,758 172,635 SH   SOLE   9,954 0 162,681
JBG SMITH PPTYS COM 46590V100 692 23,395 SH   SOLE   49 0 23,346
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 4,408 202,378 SH   SOLE   63,431 0 138,947
TREMONT MTG TR COM 894789106 49 16,000 SH   SOLE   0 0 16,000
SPOTIFY TECHNOLOGY S A SHS L8681T102 222 859 SH   SOLE   0 0 859
ISHARES TR IBONDS DEC 46435U697 763 28,270 SH   SOLE   0 0 28,270
GRAFTECH INTL LTD COM 384313508 104 13,000 SH   SOLE   0 0 13,000
GREENSKY INC CL A 39572G100 73 14,900 SH   SOLE   0 0 14,900
WORLD GOLD TR SPDR GLD MINIS 98149E204 454 25,580 SH   SOLE   0 0 25,580
J P MORGAN EXCHANGE-TRADED F USD EMRNG MKT 46641Q746 2,719 56,446 SH   SOLE   2,586 0 53,860
LINDE PLC SHS G5494J103 378 1,780 SH   SOLE   0 0 1,780
ISHARES TR IBONDS DEC 25 46435U432 609 21,855 SH   SOLE   0 0 21,855
MODERNA INC COM 60770K107 211 3,284 SH   SOLE   0 0 3,284
PACIFIC GLOBAL ETF TR US EQ INM ETF 69434K106 365 15,692 SH   SOLE   0 0 15,692
ALCON AG ORD SHS H01301128 534 9,308 SH   SOLE   0 0 9,308
ISHARES TR IBONDS DEC 26 46435U259 353 13,243 SH   SOLE   0 0 13,243
NUVEEN MUN CR OPPORTUNITIES COM 670663103 119 10,000 SH   SOLE   0 0 10,000
INNOVATOR ETFS TR S&P 500 PWR BU 45782C540 2,863 108,005 SH   SOLE   0 0 108,005
CARRIER GLOBAL CORPORATION COM 14448C104 254 11,440 SH   SOLE   0 0 11,440
OTIS WORLDWIDE CORP COM 68902V107 268 4,705 SH   SOLE   0 0 4,705