13F HOLDINGS REPORT

Partners in Financial Planning

Quarter ended Q4 2025 · Filed February 2, 2026 · Accession 0002054264-26-000001

Total Value

$590.6M

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	984,315	$72.9M	12.34%
2	VANGUARD INDEX FDS	922908736	134,018	$65.4M	11.07%
3	VANGUARD INDEX FDS	922908744	304,877	$58.2M	9.86%
4	VANGUARD CHARLOTTE FDS	92203J407	1,163,482	$56.2M	9.52%
5	VANGUARD TAX-MANAGED FDS	921943858	777,465	$48.6M	8.22%
6	VANGUARD BD INDEX FDS	921937827	465,429	$36.7M	6.21%
7	VANGUARD INDEX FDS	922908611	101,609	$21.5M	3.64%
8	VANGUARD INDEX FDS	922908595	66,046	$20.0M	3.38%
9	VANGUARD INTL EQUITY INDEX F	922042858	307,263	$16.5M	2.80%
10	VANGUARD INTL EQUITY INDEX F	922042718	106,656	$15.3M	2.59%
11	VANGUARD INDEX FDS	922908553	155,736	$13.8M	2.33%
12	SPDR INDEX SHS FDS	78463X889	290,406	$12.9M	2.18%
13	VANGUARD INDEX FDS	922908769	35,535	$11.9M	2.02%
14	VANGUARD MUN BD FDS	922907746	230,186	$11.6M	1.96%
15	ISHARES TR	464288158	100,240	$10.7M	1.81%
16	VANGUARD SCOTTSDALE FDS	92206C870	93,834	$7.9M	1.33%
17	VANGUARD INDEX FDS	922908363	10,575	$6.6M	1.12%
18	ISHARES TR	464288414	55,813	$6.0M	1.01%
19	SPDR SER TR	78464A409	42,929	$4.6M	0.78%
20	VANGUARD INDEX FDS	922908629	14,162	$4.1M	0.70%
21	SPDR SER TR	78464A508	69,965	$4.0M	0.67%
22	ISHARES TR	464288273	50,388	$3.9M	0.66%
23	VANGUARD INDEX FDS	922908652	15,915	$3.3M	0.56%
24	SPDR INDEX SHS FDS	78463X509	68,367	$3.2M	0.54%
25	ISHARES TR	46435G672	59,439	$3.0M	0.50%
26	VANGUARD WELLINGTON FD	921935607	19,646	$3.0M	0.50%
27	SPDR SER TR	78464A300	31,389	$2.9M	0.48%
28	VANGUARD INDEX FDS	922908637	8,673	$2.7M	0.46%
29	NORFOLK SOUTHN CORP	655844108	9,376	$2.7M	0.46%
30	SPDR SER TR	78464A649	102,333	$2.6M	0.45%
31	VANGUARD INTL EQUITY INDEX F	922042775	27,125	$2.0M	0.34%
32	APPLE INC	AAPL	6,541	$1.8M	0.30%
33	SPDR SER TR	78464A201	18,671	$1.8M	0.30%
34	VANGUARD INDEX FDS	922908751	6,702	$1.7M	0.29%
35	ISHARES TR	464287614	3,312	$1.6M	0.27%
36	EXXON MOBIL CORP	XOM	12,623	$1.5M	0.26%
37	SPDR SER TR	78468R101	50,653	$1.5M	0.25%
38	VANGUARD BD INDEX FDS	921937819	18,101	$1.4M	0.24%
39	VANGUARD STAR FDS	921909768	18,517	$1.4M	0.24%
40	TESLA INC	TSLA	3,061	$1.4M	0.23%
41	VANGUARD INTL EQUITY INDEX F	922042676	29,976	$1.4M	0.23%
42	AMAZON COM INC	AMZN	5,911	$1.4M	0.23%
43	ISHARES TR	46434V282	19,180	$1.3M	0.23%
44	MICROSOFT CORP	MSFT	2,593	$1.3M	0.21%
45	STEEL DYNAMICS INC	STLD	6,970	$1.2M	0.20%
46	CHEVRON CORP	CVX	7,633	$1.2M	0.20%
47	DIMENSIONAL ETF TRUST	25434V609	19,107	$1.1M	0.19%
48	FERGUSON ENTERPRISES INC	FERG	5,033	$1.1M	0.19%
49	ISHARES TR	464287465	11,659	$1.1M	0.19%
50	EDWARDS LIFESCIENCES CORP	EW	11,584	$987,536	0.17%
51	ISHARES TR	464287200	1,417	$970,367	0.16%
52	ISHARES TR	464287598	4,160	$874,910	0.15%
53	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,674	$841,436	0.14%
54	DIMENSIONAL ETF TRUST	25434V708	20,871	$826,270	0.14%
55	ALPHABET INC	GOOG	2,631	$825,642	0.14%
56	DIMENSIONAL ETF TRUST	25434V880	24,881	$814,355	0.14%
57	ISHARES TR	46432F842	9,056	$810,141	0.14%
58	GE AEROSPACE	369604301	2,586	$796,513	0.13%
59	TRUIST FINL CORP	89832Q109	14,808	$728,702	0.12%
60	ALPHABET INC	GOOG	2,312	$723,662	0.12%
61	NATIONAL BANKSHARES INC VA COM	NBHC	21,431	$718,577	0.12%
62	WALMART INC	WMT	6,275	$699,098	0.12%
63	PHILIP MORRIS INTL INC	718172109	4,066	$652,186	0.11%
64	SPDR S&P 500 ETF TR	SPY	922	$628,400	0.11%
65	TEXAS PACIFIC LAND CORPORATION	TPL	2,142	$615,225	0.10%
66	GE VERNOVA INC	GEV	930	$608,022	0.10%
67	PROCTER AND GAMBLE CO	742718109	4,038	$578,677	0.10%
68	CSX CORP	CSX	15,816	$573,330	0.10%
69	ISHARES TR	464287226	5,708	$570,128	0.10%
70	LOWES COS INC	548661107	2,350	$566,796	0.10%
71	JOHNSON & JOHNSON	JNJ	2,590	$535,910	0.09%
72	VANGUARD INSTL INDEX FD	922040845	7,073	$533,517	0.09%
73	NIKE INC	NKE	7,976	$508,145	0.09%
74	MCDONALDS CORP	MCD	1,612	$492,722	0.08%
75	DIMENSIONAL ETF TRUST	25434V302	14,750	$480,418	0.08%
76	CVS HEALTH CORP	CVS	5,888	$467,272	0.08%
77	UDR INC	UDR	12,368	$453,658	0.08%
78	CARDINAL HEALTH INC	CAH	2,163	$444,497	0.08%
79	ISHARES TR	464287309	3,597	$443,335	0.08%
80	SEAGATE TECHNOLOGY HLDNGS PL	SE	1,600	$440,624	0.07%
81	ISHARES TR	464287481	3,204	$438,793	0.07%
82	DIMENSIONAL ETF TRUST	25434V807	8,729	$435,586	0.07%
83	DANAHER CORPORATION	235851102	1,888	$432,205	0.07%
84	DIMENSIONAL ETF TRUST	25434V815	12,558	$413,020	0.07%
85	ISHARES TR	464287473	2,914	$411,016	0.07%
86	DIMENSIONAL ETF TRUST	25434V773	12,403	$408,555	0.07%
87	META PLATFORMS INC	META	617	$407,276	0.07%
88	CAPITAL ONE FINL CORP	14040H105	1,645	$398,682	0.07%
89	BROADCOM INC	AVGO	1,111	$384,517	0.07%
90	VANGUARD MALVERN FDS	922020748	4,831	$376,328	0.06%
91	VANGUARD INDEX FDS	922908538	1,313	$366,568	0.06%
92	ISHARES TR	464287507	5,453	$359,868	0.06%
93	ABBOTT LABS	ABLZF	2,799	$350,650	0.06%
94	ISHARES TR	464287234	6,131	$335,438	0.06%
95	CORNING INC	GLW	3,631	$317,930	0.05%
96	SCHWAB STRATEGIC TR	808524839	13,294	$310,687	0.05%
97	ABBVIE INC	ABBV	1,317	$300,836	0.05%
98	ISHARES TR	464287408	1,373	$291,236	0.05%
99	RTX CORPORATION	RTX	1,577	$289,222	0.05%
100	UNION PAC CORP	UNP	1,200	$277,584	0.05%
101	ISHARES TR	464287804	2,297	$276,108	0.05%
102	ISHARES TR	464289859	2,919	$261,420	0.04%
103	CARTER BANKSHARES INC	CARE	12,862	$252,867	0.04%
104	WILLIAMS COS INC	969457100	4,045	$243,145	0.04%
105	ISHARES SILVER TR	SLV	3,738	$240,802	0.04%
106	ISHARES TR	464287689	611	$236,365	0.04%
107	ISHARES INC	46434G103	3,479	$233,881	0.04%
108	ISHARES TR	464287630	1,261	$228,424	0.04%
109	UNITED RENTALS INC	URI	280	$226,610	0.04%
110	ATLANTIC UN BANKSHARES CORP	04911A107	6,238	$220,217	0.04%
111	PFIZER INC	PFE	8,604	$214,247	0.04%
112	VANGUARD SCOTTSDALE FDS	92206C706	3,525	$211,259	0.04%
113	VANGUARD INTL EQUITY INDEX F	922042874	2,525	$211,104	0.04%
114	SOUTHERN CO	SOMN	2,386	$208,059	0.04%
115	VANGUARD WORLD FD	921910733	1,655	$200,188	0.03%