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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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	1,584,469	15,340	SH		SOLE	0	15,340	0	0
INVESCO QQQ TRUST	ETF	46090E103	960,864	2,994	SH		SOLE	0	2,994	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF	81369Y803	51,792,307	342,973	SH		SOLE	0	342,972	0	0
ELEVANCE HEALTH INC COM	Stock	036752103	905,826	1,970	SH		SOLE	0	1,970	0	0
JOHNSON & JOHNSON COM	Stock	478160104	1,886,040	12,168	SH		SOLE	0	12,168	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	517,598	2,536	SH		SOLE	0	2,536	0	0
INVESCO HIGH YIELD EQUITY DIVIDEND ACHIEVERS ETF	ETF	46137V563	12,076,730	606,262	SH		SOLE	0	606,261	0	0
VANGUARD ENERGY ETF	ETF	92204A306	2,065,050	18,078	SH		SOLE	0	18,078	0	0
COSTCO WHSL CORP NEW COM	Stock	22160K105	452,649	911	SH		SOLE	0	911	0	0
ISHARES MSCI EMERGING MARKETS ETF	ETF	464287234	8,824,085	223,621	SH		SOLE	0	223,620	0	0
PROCTER AND GAMBLE CO COM	Stock	742718109	2,122,365	14,274	SH		SOLE	0	14,273	0	0
COCA COLA CO COM	Stock	191216100	1,362,737	21,969	SH		SOLE	0	21,969	0	0
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND	ETF	336917109	6,932,795	195,290	SH		SOLE	0	195,290	0	0
TRUIST FINL CORP COM	Stock	89832Q109	1,540,058	45,163	SH		SOLE	0	45,163	0	0
UNITED PARCEL SERVICE INC CL B	Stock	911312106	332,305	1,713	SH		SOLE	0	1,713	0	0
INTEL CORP COM	Stock	458140100	462,532	14,158	SH		SOLE	0	14,157	0	0
RELIANCE STEEL & ALUMINUM CO COM	Stock	759509102	238,255	928	SH		SOLE	0	928	0	0
MERCK & CO INC COM	Stock	58933Y105	656,001	6,166	SH		SOLE	0	6,166	0	0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	23,913,485	228,444	SH		SOLE	0	228,443	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	21,074,440	51,478	SH		SOLE	0	51,477	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	164	400	SH	Call	SOLE	0	400	0	0
MASTERCARD INCORPORATED CL A	Stock	57636Q104	603,987	1,662	SH		SOLE	0	1,662	0	0
STEEL DYNAMICS INC COM	Stock	858119100	474,852	4,200	SH		SOLE	0	4,200	0	0
ISHARES S&P 100 ETF	ETF	464287101	422,336	2,258	SH		SOLE	0	2,258	0	0
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	223,401	5,744	SH		SOLE	0	5,744	0	0
SONOCO PRODS CO COM	Stock	835495102	484,950	7,950	SH		SOLE	0	7,950	0	0
FEDEX CORP COM	Stock	31428X106	210,668	922	SH		SOLE	0	922	0	0
PEPSICO INC COM	Stock	713448108	1,459,858	8,008	SH		SOLE	0	8,008	0	0
HONEYWELL INTL INC COM	Stock	438516106	311,143	1,628	SH		SOLE	0	1,628	0	0
HOME DEPOT INC COM	Stock	437076102	880,900	2,985	SH		SOLE	0	2,984	0	0
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	581,287	2,611	SH		SOLE	0	2,611	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	ETF	81369Y209	17,561,677	135,653	SH		SOLE	0	135,653	0	0
SPDR GOLD SHARES	ETF	78463V107	624,597	3,409	SH		SOLE	0	3,409	0	0
SOUTHERN CO COM	Stock	842587107	398,415	5,726	SH		SOLE	0	5,726	0	0
BECTON DICKINSON & CO COM	Stock	075887109	674,299	2,724	SH		SOLE	0	2,724	0	0
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	1,518,511	6,215	SH		SOLE	0	6,215	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	81369Y308	12,217,650	163,534	SH		SOLE	0	163,534	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	15,210,496	157,296	SH		SOLE	0	157,295	0	0
PRA GROUP INC COM	Stock	69354N106	1,819,393	46,699	SH		SOLE	0	46,699	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	665,399	2,155	SH		SOLE	0	2,155	0	0
ALPHABET INC CAP STK CL A	Stock	02079K305	940,312	9,065	SH		SOLE	0	9,065	0	0
MICROSOFT CORP COM	Stock	594918104	20,239,525	70,203	SH		SOLE	0	70,203	0	0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	ETF	81369Y852	828,913	14,299	SH		SOLE	0	14,299	0	0
BERKSHIRE HATHAWAY INC DEL CL A	Stock	084670108	465,600	1	SH		SOLE	0	1	0	0
BOEING CO COM	Stock	097023105	275,734	1,298	SH		SOLE	0	1,298	0	0
VANGUARD SMALL-CAP ETF	ETF	922908751	3,745,329	19,758	SH		SOLE	0	19,758	0	0
VANGUARD MID-CAP ETF	ETF	922908629	3,464,994	16,428	SH		SOLE	0	16,428	0	0
VANGUARD LARGE-CAP ETF	ETF	922908637	744,625	3,986	SH		SOLE	0	3,986	0	0
NEXTERA ENERGY INC COM	Stock	65339F101	514,740	6,678	SH		SOLE	0	6,678	0	0
NIKE INC CL B	Stock	654106103	751,014	6,124	SH		SOLE	0	6,123	0	0
VANGUARD SHORT-TERM TREASURY ETF	ETF	92206C102	15,130,782	258,469	SH		SOLE	0	258,469	0	0
ATLANTIC UN BANKSHARES CORP COM	Stock	04911A107	624,591	17,820	SH		SOLE	0	17,820	0	0
VANGUARD HEALTH CARE ETF	ETF	92204A504	1,814,204	7,608	SH		SOLE	0	7,608	0	0
FINANCIAL SELECT SECTOR SPDR FUND	ETF	81369Y605	12,277,581	381,884	SH		SOLE	0	381,884	0	0
NORFOLK SOUTHN CORP COM	Stock	655844108	1,679,252	7,921	SH		SOLE	0	7,921	0	0
NEWMARKET CORP COM	Stock	651587107	1,169,761	3,205	SH		SOLE	0	3,205	0	0
VANGUARD CONSUMER STAPLES ETF	ETF	92204A207	832,330	4,301	SH		SOLE	0	4,301	0	0
VANGUARD INDUSTRIALS ETF	ETF	92204A603	4,227,607	22,191	SH		SOLE	0	22,191	0	0
VANGUARD INFORMATION TECHNOLOGY ETF	ETF	92204A702	3,752,165	9,734	SH		SOLE	0	9,734	0	0
VANGUARD S&P 500 ETF	ETF	922908363	47,872,036	127,296	SH		SOLE	0	127,295	0	0
SPDR S&P MIDCAP 400 ETF TRUST	ETF	78467Y107	3,924,448	8,561	SH		SOLE	0	8,561	0	0
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	1,086,385	7,512	SH		SOLE	0	7,512	0	0
SPDR S&P 600 SMALL CAP ETF	ETF	78464A813	422,587	5,029	SH		SOLE	0	5,029	0	0
SPDR S&P 600 SMALL CAP VALUE ETF	ETF	78464A300	5,838,585	76,642	SH		SOLE	0	76,641	0	0
SPDR S&P 400 MID CAP GROWTH ETF	ETF	78464A821	688,506	10,060	SH		SOLE	0	10,060	0	0
SPDR S&P 600 SMALL CAP GROWTH ETF	ETF	78464A201	348,248	4,722	SH		SOLE	0	4,722	0	0
SPDR S&P 400 MID CAP VALUE ETF	ETF	78464A839	630,073	9,535	SH		SOLE	0	9,535	0	0
LILLY ELI & CO COM	Stock	532457108	9,950,251	28,974	SH		SOLE	0	28,974	0	0
ISHARES RUSSELL 2000 ETF	ETF	464287655	17,602,165	98,667	SH		SOLE	0	98,666	0	0
DUKE ENERGY CORP NEW COM NEW	Stock	26441C204	699,215	7,248	SH		SOLE	0	7,248	0	0
AFLAC INC COM	Stock	001055102	270,210	4,188	SH		SOLE	0	4,188	0	0
SYSCO CORP COM	Stock	871829107	234,779	3,040	SH		SOLE	0	3,040	0	0
ISHARES U.S. AEROSPACE & DEFENSE ETF	ETF	464288760	813,616	7,070	SH		SOLE	0	7,070	0	0
INVESCO S&P 500 LOW VOLATILITY ETF	ETF	46138E354	434,703	6,966	SH		SOLE	0	6,966	0	0
ISHARES 0-3 MONTH TREASURY BOND ETF	ETF	46436E718	2,123,043	21,108	SH		SOLE	0	21,108	0	0
ISHARES SELECT DIVIDEND ETF	ETF	464287168	388,335	3,314	SH		SOLE	0	3,314	0	0
AMERICAN ELEC PWR CO INC COM	Stock	025537101	322,560	3,545	SH		SOLE	0	3,545	0	0
MARATHON PETE CORP COM	Stock	56585A102	743,587	5,515	SH		SOLE	0	5,515	0	0
TOWNEBANK PORTSMOUTH VA COM	Stock	89214P109	328,994	12,345	SH		SOLE	0	12,345	0	0
VANGUARD SMALL CAP VALUE ETF	ETF	922908611	374,197	2,357	SH		SOLE	0	2,357	0	0
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	502,902	6,874	SH		SOLE	0	6,874	0	0
VISA INC COM CL A	Stock	92826C839	1,082,884	4,803	SH		SOLE	0	4,803	0	0
VANGUARD SMALL-CAP GROWTH ETF	ETF	922908595	423,514	1,957	SH		SOLE	0	1,957	0	0
VANGUARD VALUE ETF	ETF	922908744	4,715,075	34,140	SH		SOLE	0	34,140	0	0
VANGUARD GROWTH ETF	ETF	922908736	14,982,045	60,063	SH		SOLE	0	60,062	0	0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	562,768	6,215	SH		SOLE	0	6,215	0	0
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND	ETF	97717W604	4,261,923	149,227	SH		SOLE	0	149,227	0	0
META PLATFORMS INC CL A	Stock	30303M102	314,095	1,482	SH		SOLE	0	1,482	0	0
UNITED BANKSHARES INC WEST VA COM	Stock	909907107	245,766	6,982	SH		SOLE	0	6,982	0	0
MONDELEZ INTL INC CL A	Stock	609207105	366,797	5,261	SH		SOLE	0	5,261	0	0
CANADIAN PACIFIC KANSAS CITY COM	Stock	13646K108	203,275	2,642	SH		SOLE	0	2,642	0	0
ISHARES SHORT TREASURY BOND ETF	ETF	464288679	1,002,898	9,076	SH		SOLE	0	9,076	0	0
ABBVIE INC COM	Stock	00287Y109	1,174,557	7,370	SH		SOLE	0	7,370	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	9,703,802	198,889	SH		SOLE	0	198,889	0	0
INVESCO S&P 500 QUALITY ETF	ETF	46137V241	289,207	6,112	SH		SOLE	0	6,111	0	0
QUALCOMM INC COM	Stock	747525103	283,483	2,222	SH		SOLE	0	2,222	0	0
ISHARES GLOBAL FINANCIALS ETF	ETF	464287333	5,805,929	84,135	SH		SOLE	0	84,135	0	0
MCDONALDS CORP COM	Stock	580135101	3,193,146	11,420	SH		SOLE	0	11,420	0	0
CISCO SYS INC COM	Stock	17275R102	602,731	11,530	SH		SOLE	0	11,530	0	0
CAPITAL ONE FINL CORP COM	Stock	14040H105	224,822	2,338	SH		SOLE	0	2,338	0	0
ISHARES RUSSELL MIDCAP ETF	ETF	464287499	406,515	5,814	SH		SOLE	0	5,814	0	0
WISDOMTREE U.S. LARGECAP DIVIDEND FUND	ETF	97717W307	301,258	4,870	SH		SOLE	0	4,870	0	0
AT&T INC COM	Stock	00206R102	254,986	13,246	SH		SOLE	0	13,246	0	0
WISDOMTREE U.S. MIDCAP DIVIDEND FUND	ETF	97717W505	5,450,832	133,012	SH		SOLE	0	133,012	0	0
GLOBAL X S&P 500 COVERED CALL ETF	ETF	37954Y475	375,759	9,278	SH		SOLE	0	9,278	0	0
VANGUARD FINANCIALS ETF	ETF	92204A405	207,343	2,662	SH		SOLE	0	2,662	0	0
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	3,863,977	46,649	SH		SOLE	0	46,649	0	0
ISHARES S&P SMALL-CAP 600 GROWTH ETF	ETF	464287887	12,124,595	110,284	SH		SOLE	0	110,283	0	0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND	ETF	81369Y407	16,803,861	112,370	SH		SOLE	0	112,370	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	ETF	81369Y704	8,396,000	82,981	SH		SOLE	0	82,980	0	0
ISHARES U.S. TECHNOLOGY ETF	ETF	464287721	287,711	3,100	SH		SOLE	0	3,100	0	0
ISHARES S&P 500 VALUE ETF	ETF	464287408	47,162,808	310,772	SH		SOLE	0	310,772	0	0
WISDOMTREE U.S. AI ENHANCED VALUE FUND	ETF	97717W406	6,062,759	66,144	SH		SOLE	0	66,144	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	76,080,046	1,190,797	SH		SOLE	0	1,190,797	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	7,762,013	18,882	SH		SOLE	0	18,882	0	0
WELLS FARGO CO NEW COM	Stock	949746101	214,972	5,751	SH		SOLE	0	5,751	0	0
INVESCO DWA MOMENTUM ETF	ETF	46137V837	314,076	4,134	SH		SOLE	0	4,134	0	0
THERMO FISHER SCIENTIFIC INC COM	Stock	883556102	846,111	1,468	SH		SOLE	0	1,468	0	0
VANGUARD MID-CAP VALUE ETF	ETF	922908512	291,468	2,174	SH		SOLE	0	2,174	0	0
JPMORGAN CHASE & CO COM	Stock	46625H100	767,656	5,891	SH		SOLE	0	5,891	0	0
SPDR PORTFOLIO EMERGING MARKETS ETF	ETF	78463X509	238,466	6,987	SH		SOLE	0	6,987	0	0
CHEVRON CORP NEW COM	Stock	166764100	725,736	4,448	SH		SOLE	0	4,448	0	0
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	395,083	3,667	SH		SOLE	0	3,667	0	0
ALBEMARLE CORP COM	Stock	012653101	353,664	1,600	SH		SOLE	0	1,600	0	0
MARKEL CORP COM	Stock	570535104	341,068	267	SH		SOLE	0	267	0	0
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	34,788,682	770,172	SH		SOLE	0	770,172	0	0
BANK AMERICA CORP COM	Stock	060505104	402,574	14,076	SH		SOLE	0	14,076	0	0
VANGUARD CONSUMER DISCRETIONARY ETF	ETF	92204A108	6,061,200	24,000	SH		SOLE	0	24,000	0	0
INVESCO S&P 500 PURE GROWTH ETF	ETF	46137V266	259,093	1,714	SH		SOLE	0	1,714	0	0
SPDR S&P DIVIDEND ETF	ETF	78464A763	11,009,200	88,992	SH		SOLE	0	88,992	0	0
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	276,600	2,110	SH		SOLE	0	2,110	0	0
ORACLE CORP COM	Stock	68389X105	2,857,290	30,750	SH		SOLE	0	30,750	0	0
RAYTHEON TECHNOLOGIES CORP COM	Stock	75513E101	437,551	4,468	SH		SOLE	0	4,468	0	0
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	3,377,818	83,609	SH		SOLE	0	83,609	0	0
TEXAS INSTRS INC COM	Stock	882508104	214,470	1,153	SH		SOLE	0	1,153	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	25,933,915	245,819	SH		SOLE	0	245,819	0	0
PFIZER INC COM	Stock	717081103	418,567	10,259	SH		SOLE	0	10,259	0	0
CATERPILLAR INC COM	Stock	149123101	232,330	1,015	SH		SOLE	0	1,015	0	0
ALPHABET INC CAP STK CL C	Stock	02079K107	528,944	5,086	SH		SOLE	0	5,086	0	0
INVESCO S&P 500 PURE VALUE ETF	ETF	46137V258	294,593	3,881	SH		SOLE	0	3,881	0	0
VANGUARD DIVIDEND APPRECIATION ETF	ETF	921908844	530,102	3,442	SH		SOLE	0	3,442	0	0
INVESCO BUYBACK ACHIEVERS ETF	ETF	46137V308	285,944	3,361	SH		SOLE	0	3,361	0	0
ISHARES S&P SMALL-CAP 600 VALUE ETF	ETF	464287879	7,227,158	77,221	SH		SOLE	0	77,221	0	0
ISHARES S&P MID-CAP 400 GROWTH ETF	ETF	464287606	22,462,794	314,121	SH		SOLE	0	314,121	0	0
ISHARES S&P MID-CAP 400 VALUE ETF	ETF	464287705	18,835,979	183,283	SH		SOLE	0	183,282	0	0
SPDR PORTFOLIO S&P 500 GROWTH ETF	ETF	78464A409	1,736,588	31,369	SH		SOLE	0	31,369	0	0
LAM RESEARCH CORP COM	Stock	512807108	841,300	1,587	SH		SOLE	0	1,587	0	0
SPDR PORTFOLIO S&P 500 VALUE ETF	ETF	78464A508	1,568,494	38,519	SH		SOLE	0	38,519	0	0
PHILIP MORRIS INTL INC COM	Stock	718172109	3,451,200	35,488	SH		SOLE	0	35,487	0	0
BRISTOL-MYERS SQUIBB CO COM	Stock	110122108	213,683	3,083	SH		SOLE	0	3,083	0	0
ALTRIA GROUP INC COM	Stock	02209S103	4,852,609	108,754	SH		SOLE	0	108,754	0	0
DOMINION ENERGY INC COM	Stock	25746U109	4,653,892	83,239	SH		SOLE	0	83,238	0	0
EXXON MOBIL CORP COM	Stock	30231G102	1,488,580	13,575	SH		SOLE	0	13,574	0	0
UNITEDHEALTH GROUP INC COM	Stock	91324P102	550,095	1,164	SH		SOLE	0	1,164	0	0
LOWES COS INC COM	Stock	548661107	2,849,373	14,249	SH		SOLE	0	14,249	0	0
UTILITIES SELECT SECTOR SPDR FUND	ETF	81369Y886	204,695	3,024	SH		SOLE	0	3,024	0	0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	ETF	78463X889	775,056	24,130	SH		SOLE	0	24,130	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	28,719,021	114,803	SH		SOLE	0	114,802	0	0
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	202,640	4,000	SH		SOLE	0	4,000	0	0
ISHARES MSCI EAFE ETF	ETF	464287465	25,248,996	353,034	SH		SOLE	0	353,034	0	0
APPLE INC COM	Stock	037833100	14,885,975	90,273	SH		SOLE	0	90,272	0	0
ABBOTT LABS COM	Stock	002824100	718,440	7,095	SH		SOLE	0	7,095	0	0
DISNEY WALT CO COM	Stock	254687106	490,236	4,896	SH		SOLE	0	4,896	0	0
VANGUARD TOTAL WORLD STOCK ETF	ETF	922042742	3,117,479	33,853	SH		SOLE	0	33,852	0	0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF	ETF	78468R663	1,185,304	12,909	SH		SOLE	0	12,909	0	0