Salomon & Ludwin 13F-HR Quarterly holdings report by institutional manager

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

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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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
AMAZON COM INC COM	Stock	023135106	1,288,560	15,340	SH		SOLE	0	15,340	0	0
INVESCO QQQ TRUST	ETF	46090E103	814,551	3,059	SH		SOLE	0	3,059	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF	81369Y803	41,742,685	335,444	SH		SOLE	0	335,444	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF	81369Y803	12	100	SH	Call	SOLE	0	100	0	0
ELEVANCE HEALTH INC COM	Stock	036752103	1,010,551	1,970	SH		SOLE	0	1,970	0	0
JOHNSON & JOHNSON COM	Stock	478160104	2,149,477	12,168	SH		SOLE	0	12,168	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	813,896	4,257	SH		SOLE	0	4,257	0	0
INVESCO HIGH YIELD EQUITY DIVIDEND ACHIEVERS ETF	ETF	46137V563	12,577,981	607,926	SH		SOLE	0	607,925	0	0
VANGUARD ENERGY ETF	ETF	92204A306	2,209,479	18,218	SH		SOLE	0	18,218	0	0
COSTCO WHSL CORP NEW COM	Stock	22160K105	415,872	911	SH		SOLE	0	911	0	0
ISHARES MSCI EMERGING MARKETS ETF	ETF	464287234	8,117,649	214,186	SH		SOLE	0	214,186	0	0
PROCTER AND GAMBLE CO COM	Stock	742718109	2,169,920	14,317	SH		SOLE	0	14,317	0	0
COCA COLA CO COM	Stock	191216100	1,397,448	21,969	SH		SOLE	0	21,969	0	0
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND	ETF	336917109	7,169,708	196,108	SH		SOLE	0	196,108	0	0
TRUIST FINL CORP COM	Stock	89832Q109	1,949,216	45,299	SH		SOLE	0	45,299	0	0
UNITED PARCEL SERVICE INC CL B	Stock	911312106	304,046	1,749	SH		SOLE	0	1,749	0	0
INTEL CORP COM	Stock	458140100	381,904	14,450	SH		SOLE	0	14,449	0	0
RELIANCE STEEL & ALUMINUM CO COM	Stock	759509102	233,008	1,151	SH		SOLE	0	1,151	0	0
MERCK & CO INC COM	Stock	58933Y105	688,556	6,206	SH		SOLE	0	6,206	0	0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	22,548,027	216,247	SH		SOLE	0	216,246	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	19,555,374	51,135	SH		SOLE	0	51,134	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	153	400	SH	Call	SOLE	0	400	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	38	100	SH	Call	SOLE	0	100	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	76	200	SH	Call	SOLE	0	200	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	38	100	SH	Call	SOLE	0	100	0	0
MASTERCARD INCORPORATED CL A	Stock	57636Q104	577,927	1,662	SH		SOLE	0	1,662	0	0
STEEL DYNAMICS INC COM	Stock	858119100	410,340	4,200	SH		SOLE	0	4,200	0	0
ISHARES S&P 100 ETF	ETF	464287101	385,147	2,258	SH		SOLE	0	2,258	0	0
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	239,515	6,079	SH		SOLE	0	6,079	0	0
SONOCO PRODS CO COM	Stock	835495102	482,645	7,950	SH		SOLE	0	7,950	0	0
PEPSICO INC COM	Stock	713448108	1,446,725	8,008	SH		SOLE	0	8,008	0	0
HONEYWELL INTL INC COM	Stock	438516106	348,880	1,628	SH		SOLE	0	1,628	0	0
HOME DEPOT INC COM	Stock	437076102	957,587	3,032	SH		SOLE	0	3,031	0	0
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	700,576	2,933	SH		SOLE	0	2,933	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	ETF	81369Y209	17,781,203	130,888	SH		SOLE	0	130,888	0	0
SPDR GOLD SHARES	ETF	78463V107	613,758	3,618	SH		SOLE	0	3,618	0	0
SOUTHERN CO COM	Stock	842587107	408,894	5,726	SH		SOLE	0	5,726	0	0
BECTON DICKINSON & CO COM	Stock	075887109	692,713	2,724	SH		SOLE	0	2,724	0	0
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	1,331,502	6,215	SH		SOLE	0	6,215	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	81369Y308	11,832,368	158,717	SH		SOLE	0	158,717	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	14,819,664	156,590	SH		SOLE	0	156,589	0	0
PRA GROUP INC COM	Stock	69354N106	1,577,492	46,699	SH		SOLE	0	46,699	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	676,800	2,191	SH		SOLE	0	2,191	0	0
ALPHABET INC CAP STK CL A	Stock	02079K305	804,834	9,122	SH		SOLE	0	9,122	0	0
MICROSOFT CORP COM	Stock	594918104	16,994,245	70,863	SH		SOLE	0	70,862	0	0
CVS HEALTH CORP COM	Stock	126650100	219,649	2,357	SH		SOLE	0	2,357	0	0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	ETF	81369Y852	660,006	13,753	SH		SOLE	0	13,753	0	0
BERKSHIRE HATHAWAY INC DEL CL A	Stock	084670108	468,711	1	SH		SOLE	0	1	0	0
BOEING CO COM	Stock	097023105	247,256	1,298	SH		SOLE	0	1,298	0	0
VANGUARD SMALL-CAP ETF	ETF	922908751	3,658,690	19,934	SH		SOLE	0	19,934	0	0
VANGUARD MID-CAP ETF	ETF	922908629	3,380,189	16,585	SH		SOLE	0	16,585	0	0
VANGUARD LARGE-CAP ETF	ETF	922908637	694,361	3,986	SH		SOLE	0	3,986	0	0
NEXTERA ENERGY INC COM	Stock	65339F101	563,297	6,738	SH		SOLE	0	6,738	0	0
NIKE INC CL B	Stock	654106103	716,538	6,124	SH		SOLE	0	6,123	0	0
VANGUARD SHORT-TERM TREASURY ETF	ETF	92206C102	14,809,894	256,138	SH		SOLE	0	256,137	0	0
ATLANTIC UN BANKSHARES CORP COM	Stock	04911A107	599,524	17,061	SH		SOLE	0	17,061	0	0
VANGUARD HEALTH CARE ETF	ETF	92204A504	1,888,653	7,614	SH		SOLE	0	7,614	0	0
FINANCIAL SELECT SECTOR SPDR FUND	ETF	81369Y605	12,485,265	365,066	SH		SOLE	0	365,066	0	0
NORFOLK SOUTHN CORP COM	Stock	655844108	1,951,893	7,921	SH		SOLE	0	7,921	0	0
NEWMARKET CORP COM	Stock	651587107	1,119,374	3,598	SH		SOLE	0	3,598	0	0
VANGUARD CONSUMER STAPLES ETF	ETF	92204A207	824,326	4,303	SH		SOLE	0	4,303	0	0
VANGUARD INDUSTRIALS ETF	ETF	92204A603	4,067,210	22,269	SH		SOLE	0	22,269	0	0
VANGUARD INFORMATION TECHNOLOGY ETF	ETF	92204A702	3,109,137	9,734	SH		SOLE	0	9,734	0	0
VANGUARD S&P 500 ETF	ETF	922908363	44,238,336	125,913	SH		SOLE	0	125,913	0	0
SPDR S&P MIDCAP 400 ETF TRUST	ETF	78467Y107	3,776,556	8,529	SH		SOLE	0	8,529	0	0
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	1,066,296	7,549	SH		SOLE	0	7,549	0	0
SPDR S&P 600 SMALL CAP ETF	ETF	78464A813	413,434	5,029	SH		SOLE	0	5,029	0	0
SPDR S&P 600 SMALL CAP VALUE ETF	ETF	78464A300	5,711,027	76,947	SH		SOLE	0	76,947	0	0
SPDR S&P 400 MID CAP GROWTH ETF	ETF	78464A821	647,781	9,914	SH		SOLE	0	9,914	0	0
SPDR S&P 600 SMALL CAP GROWTH ETF	ETF	78464A201	336,494	4,658	SH		SOLE	0	4,658	0	0
SPDR S&P 400 MID CAP VALUE ETF	ETF	78464A839	607,591	9,388	SH		SOLE	0	9,388	0	0
LILLY ELI & CO COM	Stock	532457108	10,996,053	30,057	SH		SOLE	0	30,057	0	0
HASBRO INC COM	Stock	418056107	209,203	3,429	SH		SOLE	0	3,429	0	0
ISHARES RUSSELL 2000 ETF	ETF	464287655	16,688,206	95,711	SH		SOLE	0	95,711	0	0
DUKE ENERGY CORP NEW COM NEW	Stock	26441C204	808,266	7,848	SH		SOLE	0	7,848	0	0
AFLAC INC COM	Stock	001055102	306,752	4,264	SH		SOLE	0	4,264	0	0
SYSCO CORP COM	Stock	871829107	242,347	3,170	SH		SOLE	0	3,170	0	0
ISHARES U.S. AEROSPACE & DEFENSE ETF	ETF	464288760	790,850	7,070	SH		SOLE	0	7,070	0	0
INVESCO S&P 500 LOW VOLATILITY ETF	ETF	46138E354	445,133	6,966	SH		SOLE	0	6,966	0	0
ISHARES 0-3 MONTH TREASURY BOND ETF	ETF	46436E718	2,145,399	21,424	SH		SOLE	0	21,424	0	0
ISHARES SELECT DIVIDEND ETF	ETF	464287168	399,668	3,314	SH		SOLE	0	3,314	0	0
AMERICAN ELEC PWR CO INC COM	Stock	025537101	336,598	3,545	SH		SOLE	0	3,545	0	0
MARATHON PETE CORP COM	Stock	56585A102	641,891	5,515	SH		SOLE	0	5,515	0	0
TOWNEBANK PORTSMOUTH VA COM	Stock	89214P109	380,720	12,345	SH		SOLE	0	12,345	0	0
VANGUARD SMALL CAP VALUE ETF	ETF	922908611	408,434	2,572	SH		SOLE	0	2,572	0	0
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	519,262	6,874	SH		SOLE	0	6,874	0	0
VISA INC COM CL A	Stock	92826C839	1,011,791	4,870	SH		SOLE	0	4,870	0	0
VANGUARD SMALL-CAP GROWTH ETF	ETF	922908595	392,457	1,957	SH		SOLE	0	1,957	0	0
VANGUARD VALUE ETF	ETF	922908744	4,833,641	34,435	SH		SOLE	0	34,435	0	0
VANGUARD GROWTH ETF	ETF	922908736	12,817,173	60,143	SH		SOLE	0	60,143	0	0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	525,336	6,195	SH		SOLE	0	6,195	0	0
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND	ETF	97717W604	4,260,340	149,801	SH		SOLE	0	149,801	0	0
UNITED BANKSHARES INC WEST VA COM	Stock	909907107	287,641	7,104	SH		SOLE	0	7,104	0	0
MONDELEZ INTL INC CL A	Stock	609207105	350,646	5,261	SH		SOLE	0	5,261	0	0
ISHARES SHORT TREASURY BOND ETF	ETF	464288679	1,026,433	9,338	SH		SOLE	0	9,338	0	0
ABBVIE INC COM	Stock	00287Y109	1,191,066	7,370	SH		SOLE	0	7,370	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	9,267,015	198,437	SH		SOLE	0	198,437	0	0
INVESCO S&P 500 QUALITY ETF	ETF	46137V241	268,910	6,112	SH		SOLE	0	6,111	0	0
QUALCOMM INC COM	Stock	747525103	244,287	2,222	SH		SOLE	0	2,222	0	0
ISHARES GLOBAL FINANCIALS ETF	ETF	464287333	5,930,929	84,390	SH		SOLE	0	84,390	0	0
MCDONALDS CORP COM	Stock	580135101	3,009,513	11,420	SH		SOLE	0	11,420	0	0
CISCO SYS INC COM	Stock	17275R102	549,289	11,530	SH		SOLE	0	11,530	0	0
ISHARES RUSSELL MIDCAP ETF	ETF	464287499	392,154	5,814	SH		SOLE	0	5,814	0	0
WISDOMTREE U.S. LARGECAP DIVIDEND FUND	ETF	97717W307	301,697	4,870	SH		SOLE	0	4,870	0	0
AT&T INC COM	Stock	00206R102	247,081	13,421	SH		SOLE	0	13,421	0	0
WISDOMTREE U.S. MIDCAP DIVIDEND FUND	ETF	97717W505	5,501,323	133,722	SH		SOLE	0	133,722	0	0
GLOBAL X S&P 500 COVERED CALL ETF	ETF	37954Y475	365,275	9,278	SH		SOLE	0	9,278	0	0
VANGUARD FINANCIALS ETF	ETF	92204A405	220,227	2,662	SH		SOLE	0	2,662	0	0
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	3,975,896	45,454	SH		SOLE	0	45,454	0	0
ISHARES S&P SMALL-CAP 600 GROWTH ETF	ETF	464287887	11,908,014	110,188	SH		SOLE	0	110,187	0	0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND	ETF	81369Y407	14,061,711	108,870	SH		SOLE	0	108,870	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	ETF	81369Y704	7,772,761	79,144	SH		SOLE	0	79,144	0	0
ISHARES U.S. TECHNOLOGY ETF	ETF	464287721	230,919	3,100	SH		SOLE	0	3,100	0	0
ISHARES S&P 500 VALUE ETF	ETF	464287408	44,628,011	307,631	SH		SOLE	0	307,630	0	0
WISDOMTREE U.S. AI ENHANCED VALUE FUND	ETF	97717W406	6,103,367	66,482	SH		SOLE	0	66,482	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	69,477,769	1,187,654	SH		SOLE	0	1,187,654	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	7,255,037	18,883	SH		SOLE	0	18,883	0	0
WELLS FARGO CO NEW COM	Stock	949746101	243,363	5,894	SH		SOLE	0	5,894	0	0
INVESCO DWA MOMENTUM ETF	ETF	46137V837	293,734	4,134	SH		SOLE	0	4,134	0	0
NORTHROP GRUMMAN CORP COM	Stock	666807102	213,879	392	SH		SOLE	0	392	0	0
THERMO FISHER SCIENTIFIC INC COM	Stock	883556102	808,413	1,468	SH		SOLE	0	1,468	0	0
VANGUARD MID-CAP VALUE ETF	ETF	922908512	294,012	2,174	SH		SOLE	0	2,174	0	0
JPMORGAN CHASE & CO COM	Stock	46625H100	792,799	5,912	SH		SOLE	0	5,912	0	0
SPDR PORTFOLIO EMERGING MARKETS ETF	ETF	78463X509	225,710	6,848	SH		SOLE	0	6,848	0	0
CHEVRON CORP NEW COM	Stock	166764100	821,077	4,575	SH		SOLE	0	4,574	0	0
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	270,870	2,567	SH		SOLE	0	2,567	0	0
ALBEMARLE CORP COM	Stock	012653101	364,325	1,680	SH		SOLE	0	1,680	0	0
MARKEL CORP COM	Stock	570535104	515,139	391	SH		SOLE	0	391	0	0
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	32,276,597	769,040	SH		SOLE	0	769,039	0	0
BANK AMERICA CORP COM	Stock	060505104	469,377	14,172	SH		SOLE	0	14,172	0	0
VANGUARD CONSUMER DISCRETIONARY ETF	ETF	92204A108	5,183,765	23,668	SH		SOLE	0	23,668	0	0
INVESCO S&P 500 PURE GROWTH ETF	ETF	46137V266	259,893	1,714	SH		SOLE	0	1,714	0	0
SPDR S&P DIVIDEND ETF	ETF	78464A763	11,213,484	89,629	SH		SOLE	0	89,629	0	0
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	297,278	2,110	SH		SOLE	0	2,110	0	0
ORACLE CORP COM	Stock	68389X105	2,353,458	28,792	SH		SOLE	0	28,792	0	0
RAYTHEON TECHNOLOGIES CORP COM	Stock	75513E101	450,911	4,468	SH		SOLE	0	4,468	0	0
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	3,258,545	83,595	SH		SOLE	0	83,595	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	26,746,832	247,175	SH		SOLE	0	247,175	0	0
PFIZER INC COM	Stock	717081103	544,579	10,628	SH		SOLE	0	10,628	0	0
CATERPILLAR INC COM	Stock	149123101	242,784	1,013	SH		SOLE	0	1,013	0	0
ALPHABET INC CAP STK CL C	Stock	02079K107	456,338	5,143	SH		SOLE	0	5,143	0	0
INVESCO S&P 500 PURE VALUE ETF	ETF	46137V258	302,653	3,881	SH		SOLE	0	3,881	0	0
VANGUARD DIVIDEND APPRECIATION ETF	ETF	921908844	522,668	3,442	SH		SOLE	0	3,442	0	0
INVESCO BUYBACK ACHIEVERS ETF	ETF	46137V308	287,584	3,361	SH		SOLE	0	3,361	0	0
ISHARES S&P SMALL-CAP 600 VALUE ETF	ETF	464287879	7,017,889	76,858	SH		SOLE	0	76,857	0	0
ISHARES S&P MID-CAP 400 GROWTH ETF	ETF	464287606	21,420,203	313,619	SH		SOLE	0	313,619	0	0
ISHARES S&P MID-CAP 400 VALUE ETF	ETF	464287705	18,432,723	182,864	SH		SOLE	0	182,864	0	0
SPDR PORTFOLIO S&P 500 GROWTH ETF	ETF	78464A409	1,566,919	30,924	SH		SOLE	0	30,924	0	0
LAM RESEARCH CORP COM	Stock	512807108	667,016	1,587	SH		SOLE	0	1,587	0	0
SPDR PORTFOLIO S&P 500 VALUE ETF	ETF	78464A508	1,474,631	37,918	SH		SOLE	0	37,918	0	0
PHILIP MORRIS INTL INC COM	Stock	718172109	3,597,349	35,543	SH		SOLE	0	35,543	0	0
BRISTOL-MYERS SQUIBB CO COM	Stock	110122108	221,822	3,083	SH		SOLE	0	3,083	0	0
ALTRIA GROUP INC COM	Stock	02209S103	4,970,330	108,736	SH		SOLE	0	108,736	0	0
DOMINION ENERGY INC COM	Stock	25746U109	5,112,179	83,369	SH		SOLE	0	83,368	0	0
EXXON MOBIL CORP COM	Stock	30231G102	1,657,368	15,026	SH		SOLE	0	15,026	0	0
UNITEDHEALTH GROUP INC COM	Stock	91324P102	617,130	1,164	SH		SOLE	0	1,164	0	0
LOWES COS INC COM	Stock	548661107	2,903,525	14,573	SH		SOLE	0	14,573	0	0
UTILITIES SELECT SECTOR SPDR FUND	ETF	81369Y886	213,192	3,024	SH		SOLE	0	3,024	0	0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	ETF	78463X889	703,208	23,685	SH		SOLE	0	23,685	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	27,697,662	114,505	SH		SOLE	0	114,505	0	0
ISHARES MSCI EAFE ETF	ETF	464287465	21,979,558	334,850	SH		SOLE	0	334,850	0	0
APPLE INC COM	Stock	037833100	11,808,751	90,885	SH		SOLE	0	90,885	0	0
ABBOTT LABS COM	Stock	002824100	778,960	7,095	SH		SOLE	0	7,095	0	0
DISNEY WALT CO COM	Stock	254687106	433,097	4,985	SH		SOLE	0	4,985	0	0
VANGUARD TOTAL WORLD STOCK ETF	ETF	922042742	2,981,756	34,595	SH		SOLE	0	34,595	0	0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF	ETF	78468R663	469,058	5,128	SH		SOLE	0	5,128	0	0