13F HOLDINGS REPORT

Partners in Financial Planning

Quarter ended Q3 2025 · Filed November 10, 2025 · Accession 0002054264-25-000023

Total Value

$578.5M

Positions

115

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (115)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	VANGUARD BD INDEX FDS	921937835	965,626	$71.8M	12.41%
2	VANGUARD INDEX FDS	922908736	138,916	$66.6M	11.52%
3	VANGUARD INDEX FDS	922908744	301,476	$56.2M	9.72%
4	VANGUARD CHARLOTTE FDS	92203J407	1,076,345	$53.2M	9.20%
5	VANGUARD TAX-MANAGED FDS	921943858	775,066	$46.4M	8.03%
6	VANGUARD BD INDEX FDS	921937827	457,164	$36.1M	6.24%
7	VANGUARD INDEX FDS	922908611	100,216	$20.9M	3.62%
8	VANGUARD INDEX FDS	922908595	66,338	$19.7M	3.41%
9	VANGUARD INTL EQUITY INDEX F	922042858	304,473	$16.5M	2.85%
10	VANGUARD INTL EQUITY INDEX F	922042718	105,931	$15.1M	2.61%
11	VANGUARD INDEX FDS	922908553	155,388	$14.2M	2.46%
12	SPDR INDEX SHS FDS	78463X889	286,527	$12.3M	2.12%
13	VANGUARD INDEX FDS	922908769	35,665	$11.7M	2.02%
14	VANGUARD MUN BD FDS	922907746	225,063	$11.3M	1.95%
15	ISHARES TR	464288158	97,955	$10.5M	1.81%
16	VANGUARD SCOTTSDALE FDS	92206C870	88,946	$7.5M	1.29%
17	VANGUARD INDEX FDS	922908363	10,610	$6.5M	1.12%
18	ISHARES TR	464288414	50,484	$5.4M	0.93%
19	SPDR SER TR	78464A409	42,781	$4.5M	0.77%
20	SPDR SER TR	78464A508	78,150	$4.3M	0.75%
21	VANGUARD INDEX FDS	922908629	14,113	$4.1M	0.72%
22	ISHARES TR	464288273	50,954	$3.9M	0.68%
23	VANGUARD INDEX FDS	922908652	16,029	$3.4M	0.58%
24	SPDR INDEX SHS FDS	78463X509	68,714	$3.2M	0.56%
25	ISHARES TR	46435G672	58,343	$3.0M	0.52%
26	VANGUARD WELLINGTON FD	921935607	19,917	$2.9M	0.50%
27	NORFOLK SOUTHN CORP	655844108	9,383	$2.8M	0.49%
28	SPDR SER TR	78464A300	31,249	$2.8M	0.48%
29	VANGUARD INDEX FDS	922908637	8,876	$2.7M	0.47%
30	SPDR SER TR	78464A649	101,619	$2.6M	0.45%
31	VANGUARD INTL EQUITY INDEX F	922042775	28,778	$2.1M	0.36%
32	ISHARES TR	464287614	3,841	$1.8M	0.31%
33	SPDR SER TR	78464A201	18,508	$1.7M	0.30%
34	VANGUARD INDEX FDS	922908751	6,812	$1.7M	0.30%
35	APPLE INC	AAPL	6,528	$1.7M	0.29%
36	EXXON MOBIL CORP	XOM	13,194	$1.5M	0.26%
37	SPDR SER TR	78468R101	48,132	$1.4M	0.24%
38	VANGUARD BD INDEX FDS	921937819	18,034	$1.4M	0.24%
39	VANGUARD INTL EQUITY INDEX F	922042676	29,138	$1.4M	0.24%
40	VANGUARD STAR FDS	921909768	18,536	$1.4M	0.24%
41	TESLA INC	TSLA	3,061	$1.4M	0.24%
42	MICROSOFT CORP	MSFT	2,569	$1.3M	0.23%
43	ISHARES TR	46434V282	19,195	$1.3M	0.23%
44	AMAZON COM INC	AMZN	5,897	$1.3M	0.22%
45	CHEVRON CORP	CVX	7,633	$1.2M	0.20%
46	FERGUSON ENTERPRISES INC	FERG	4,954	$1.1M	0.19%
47	DIMENSIONAL ETF TRUST	25434V609	19,065	$1.1M	0.19%
48	ISHARES TR	464287465	11,610	$1.1M	0.19%
49	STEEL DYNAMICS INC	STLD	6,970	$971,827	0.17%
50	ISHARES TR	464287200	1,416	$948,026	0.16%
51	EDWARDS LIFESCIENCES CORP	EW	11,584	$900,888	0.16%
52	ISHARES TR	464287598	4,153	$845,408	0.15%
53	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,669	$839,073	0.15%
54	DIMENSIONAL ETF TRUST	25434V708	20,844	$803,961	0.14%
55	GE AEROSPACE	369604301	2,584	$777,430	0.13%
56	ISHARES TR	46432F842	8,893	$776,425	0.13%
57	DIMENSIONAL ETF TRUST	25434V880	24,729	$775,994	0.13%
58	TRUIST FINL CORP	89832Q109	14,808	$677,022	0.12%
59	TEXAS PACIFIC LAND CORPORATION	TPL	714	$666,619	0.12%
60	PHILIP MORRIS INTL INC	718172109	4,066	$659,505	0.11%
61	WALMART INC	WMT	6,231	$642,167	0.11%
62	NATIONAL BANKSHARES INC VA COM	NBHC	21,431	$630,924	0.11%
63	ALPHABET INC	GOOG	2,581	$628,536	0.11%
64	PROCTER AND GAMBLE CO	742718109	4,030	$619,286	0.11%
65	SPDR S&P 500 ETF TR	SPY	920	$612,907	0.11%
66	LOWES COS INC	548661107	2,350	$590,485	0.10%
67	GE VERNOVA INC	GEV	930	$571,887	0.10%
68	ISHARES TR	464287226	5,687	$570,118	0.10%
69	CSX CORP	CSX	15,816	$561,626	0.10%
70	ALPHABET INC	GOOG	2,299	$558,867	0.10%
71	NIKE INC	NKE	7,976	$556,160	0.10%
72	MCDONALDS CORP	MCD	1,612	$489,917	0.08%
73	ISHARES TR	464287481	3,404	$484,704	0.08%
74	JOHNSON & JOHNSON	JNJ	2,590	$480,157	0.08%
75	DIMENSIONAL ETF TRUST	25434V302	14,655	$462,075	0.08%
76	UDR INC	UDR	12,368	$460,832	0.08%
77	META PLATFORMS INC	META	617	$453,112	0.08%
78	CVS HEALTH CORP	CVS	5,888	$443,896	0.08%
79	DIMENSIONAL ETF TRUST	25434V807	9,562	$440,991	0.08%
80	ISHARES TR	464287309	3,595	$433,946	0.08%
81	ISHARES TR	464287473	2,911	$406,516	0.07%
82	VANGUARD INDEX FDS	922908538	1,379	$405,264	0.07%
83	DIMENSIONAL ETF TRUST	25434V815	12,504	$398,129	0.07%
84	DIMENSIONAL ETF TRUST	25434V773	12,363	$391,044	0.07%
85	SEAGATE TECHNOLOGY HLDNGS PL	SE	1,600	$377,696	0.07%
86	ABBOTT LABS	ABLZF	2,799	$374,859	0.06%
87	DANAHER CORPORATION	235851102	1,888	$374,315	0.06%
88	BROADCOM INC	AVGO	1,111	$366,530	0.06%
89	ISHARES TR	464287507	5,442	$355,128	0.06%
90	CARDINAL HEALTH INC	CAH	2,163	$339,504	0.06%
91	CAPITAL ONE FINL CORP	14040H105	1,545	$328,436	0.06%
92	SCHWAB STRATEGIC TR	808524839	13,118	$307,891	0.05%
93	ABBVIE INC	ABBV	1,316	$304,822	0.05%
94	CORNING INC	GLW	3,631	$297,851	0.05%
95	ISHARES TR	464287234	5,351	$285,717	0.05%
96	UNION PAC CORP	UNP	1,200	$283,644	0.05%
97	ISHARES TR	464287408	1,372	$283,373	0.05%
98	CARTER BANKSHARES INC	CARE	14,547	$282,357	0.05%
99	ISHARES TR	464287804	2,296	$272,793	0.05%
100	VANGUARD INSTL INDEX FD	922040845	3,553	$268,662	0.05%
101	UNITED RENTALS INC	URI	280	$267,305	0.05%
102	RTX CORPORATION	RTX	1,559	$260,867	0.05%
103	WILLIAMS COS INC	969457100	4,045	$256,251	0.04%
104	VANGUARD INDEX FDS	922908512	1,353	$236,246	0.04%
105	ISHARES TR	464287689	611	$231,532	0.04%
106	ISHARES INC	46434G103	3,474	$228,995	0.04%
107	SOUTHERN CO	SOMN	2,386	$226,121	0.04%
108	ALTRIA GROUP INC	MO	3,400	$224,604	0.04%
109	ISHARES TR	464287630	1,259	$222,668	0.04%
110	MONDELEZ INTL INC	609207105	3,556	$222,143	0.04%
111	ATLANTIC UN BANKSHARES CORP	04911A107	6,225	$219,695	0.04%
112	PFIZER INC	PFE	8,604	$219,237	0.04%
113	ISHARES TR	464289859	2,379	$209,705	0.04%
114	VANGUARD INTL EQUITY INDEX F	922042874	2,525	$201,484	0.03%
115	DOMINION ENERGY INC	D	3,273	$200,209	0.03%