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

OMB APPROVAL

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	2,025,794	15,540	SH		SOLE	0	15,540	0	0
INVESCO QQQ TRUST SERIES I	ETF	46090E103	1,109,738	3,004	SH		SOLE	0	3,004	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF	81369Y803	61,040,317	351,089	SH		SOLE	0	351,088	0	0
STARBUCKS CORP COM	Stock	855244109	201,587	2,035	SH		SOLE	0	2,035	0	0
ELEVANCE HEALTH INC COM	Stock	036752103	862,893	1,942	SH		SOLE	0	1,942	0	0
SPDR PORTFOLIO INTERMEDIATE TERM TREASURY ETF	ETF	78464A672	498,045	17,605	SH		SOLE	0	17,605	0	0
JOHNSON & JOHNSON COM	Stock	478160104	2,010,902	12,149	SH		SOLE	0	12,149	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	524,046	2,379	SH		SOLE	0	2,379	0	0
INVESCO HIGH YIELD EQUITY DIVIDEND ACHIEVERS ETF	ETF	46137V563	11,377,654	591,970	SH		SOLE	0	591,969	0	0
VANGUARD ENERGY ETF	ETF	92204A306	1,998,153	17,700	SH		SOLE	0	17,700	0	0
COSTCO WHSL CORP NEW COM	Stock	22160K105	490,464	911	SH		SOLE	0	911	0	0
ISHARES MSCI EMERGING MARKETS ETF	ETF	464287234	9,285,848	234,728	SH		SOLE	0	234,728	0	0
PROCTER AND GAMBLE CO COM	Stock	742718109	2,163,395	14,257	SH		SOLE	0	14,257	0	0
COCA COLA CO COM	Stock	191216100	1,322,973	21,969	SH		SOLE	0	21,969	0	0
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND	ETF	336917109	6,474,246	190,363	SH		SOLE	0	190,363	0	0
TRUIST FINL CORP COM	Stock	89832Q109	1,762,910	58,086	SH		SOLE	0	58,086	0	0
UNITED PARCEL SERVICE INC CL B	Stock	911312106	304,725	1,700	SH		SOLE	0	1,700	0	0
INTEL CORP COM	Stock	458140100	452,778	13,540	SH		SOLE	0	13,540	0	0
RELIANCE STEEL & ALUMINUM CO COM	Stock	759509102	252,036	928	SH		SOLE	0	928	0	0
NETFLIX INC COM	Stock	64110L106	236,984	538	SH		SOLE	0	538	0	0
MERCK & CO INC COM	Stock	58933Y105	711,495	6,166	SH		SOLE	0	6,166	0	0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	38,933,924	374,221	SH		SOLE	0	374,220	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	22,961,992	51,800	SH		SOLE	0	51,800	0	0
MCKESSON CORP COM	Stock	58155Q103	207,673	486	SH		SOLE	0	486	0	0
MASTERCARD INCORPORATED CL A	Stock	57636Q104	653,665	1,662	SH		SOLE	0	1,662	0	0
STEEL DYNAMICS INC COM	Stock	858119100	457,506	4,200	SH		SOLE	0	4,200	0	0
ISHARES S&P 100 ETF	ETF	464287101	467,541	2,258	SH		SOLE	0	2,258	0	0
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	213,895	5,751	SH		SOLE	0	5,751	0	0
SONOCO PRODS CO COM	Stock	835495102	469,209	7,950	SH		SOLE	0	7,950	0	0
FEDEX CORP COM	Stock	31428X106	225,341	909	SH		SOLE	0	909	0	0
PEPSICO INC COM	Stock	713448108	1,485,386	8,020	SH		SOLE	0	8,019	0	0
ISHARES 1-3 YEAR TREASURY BOND ETF	ETF	464287457	578,425	7,134	SH		SOLE	0	7,134	0	0
HONEYWELL INTL INC COM	Stock	438516106	337,810	1,628	SH		SOLE	0	1,628	0	0
HOME DEPOT INC COM	Stock	437076102	1,015,817	3,270	SH		SOLE	0	3,270	0	0
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	567,058	2,580	SH		SOLE	0	2,580	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	ETF	81369Y209	18,846,460	141,991	SH		SOLE	0	141,990	0	0
SPDR GOLD SHARES	ETF	78463V107	792,588	4,446	SH		SOLE	0	4,446	0	0
SOUTHERN CO COM	Stock	842587107	402,252	5,726	SH		SOLE	0	5,726	0	0
BECTON DICKINSON & CO COM	Stock	075887109	708,603	2,684	SH		SOLE	0	2,684	0	0
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	1,705,015	6,196	SH		SOLE	0	6,196	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	81369Y308	12,588,502	169,725	SH		SOLE	0	169,724	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	15,599,518	156,543	SH		SOLE	0	156,543	0	0
PRA GROUP INC COM	Stock	69354N106	1,067,072	46,699	SH		SOLE	0	46,699	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	733,491	2,151	SH		SOLE	0	2,151	0	0
ALPHABET INC CAP STK CL A	Stock	02079K305	1,115,963	9,323	SH		SOLE	0	9,323	0	0
MICROSOFT CORP COM	Stock	594918104	24,012,838	70,514	SH		SOLE	0	70,514	0	0
CVS HEALTH CORP COM	Stock	126650100	230,756	3,338	SH		SOLE	0	3,338	0	0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	ETF	81369Y852	1,016,505	15,619	SH		SOLE	0	15,619	0	0
VANGUARD INTERMEDIATE-TERM TREASURY ETF	ETF	92206C706	654,587	11,159	SH		SOLE	0	11,159	0	0
BERKSHIRE HATHAWAY INC DEL CL A	Stock	084670108	517,810	1	SH		SOLE	0	1	0	0
BOEING CO COM	Stock	097023105	274,086	1,298	SH		SOLE	0	1,298	0	0
VANGUARD SMALL-CAP ETF	ETF	922908751	3,951,750	19,869	SH		SOLE	0	19,869	0	0
VANGUARD MID-CAP ETF	ETF	922908629	3,541,778	16,087	SH		SOLE	0	16,087	0	0
VANGUARD LARGE-CAP ETF	ETF	922908637	808,042	3,986	SH		SOLE	0	3,986	0	0
NEXTERA ENERGY INC COM	Stock	65339F101	495,508	6,678	SH		SOLE	0	6,678	0	0
NIKE INC CL B	Stock	654106103	675,876	6,124	SH		SOLE	0	6,123	0	0
VANGUARD SHORT-TERM TREASURY ETF	ETF	92206C102	16,025,016	277,586	SH		SOLE	0	277,585	0	0
ATLANTIC UN BANKSHARES CORP COM	Stock	04911A107	462,429	17,820	SH		SOLE	0	17,820	0	0
VANGUARD HEALTH CARE ETF	ETF	92204A504	1,861,611	7,604	SH		SOLE	0	7,604	0	0
FINANCIAL SELECT SECTOR SPDR FUND	ETF	81369Y605	13,737,736	407,527	SH		SOLE	0	407,527	0	0
NORFOLK SOUTHN CORP COM	Stock	655844108	1,796,250	7,921	SH		SOLE	0	7,921	0	0
NEWMARKET CORP COM	Stock	651587107	1,278,742	3,180	SH		SOLE	0	3,180	0	0
VANGUARD CONSUMER STAPLES ETF	ETF	92204A207	836,135	4,300	SH		SOLE	0	4,300	0	0
VANGUARD INDUSTRIALS ETF	ETF	92204A603	4,508,917	21,938	SH		SOLE	0	21,938	0	0
VANGUARD INFORMATION TECHNOLOGY ETF	ETF	92204A702	4,303,985	9,734	SH		SOLE	0	9,734	0	0
VANGUARD S&P 500 ETF	ETF	922908363	52,007,028	127,694	SH		SOLE	0	127,693	0	0
SPDR S&P MIDCAP 400 ETF TRUST	ETF	78467Y107	4,090,849	8,542	SH		SOLE	0	8,542	0	0
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	1,102,847	7,370	SH		SOLE	0	7,370	0	0
SPDR S&P 600 SMALL CAP VALUE ETF	ETF	78464A300	5,890,022	76,306	SH		SOLE	0	76,305	0	0
SPDR S&P 400 MID CAP GROWTH ETF	ETF	78464A821	720,584	10,057	SH		SOLE	0	10,057	0	0
SPDR S&P 600 SMALL CAP GROWTH ETF	ETF	78464A201	363,174	4,719	SH		SOLE	0	4,719	0	0
SPDR S&P 400 MID CAP VALUE ETF	ETF	78464A839	655,611	9,532	SH		SOLE	0	9,532	0	0
LILLY ELI & CO COM	Stock	532457108	13,572,924	28,941	SH		SOLE	0	28,941	0	0
HASBRO INC COM	Stock	418056107	222,096	3,429	SH		SOLE	0	3,429	0	0
ISHARES RUSSELL 2000 ETF	ETF	464287655	19,226,724	102,668	SH		SOLE	0	102,668	0	0
DUKE ENERGY CORP NEW COM NEW	Stock	26441C204	650,436	7,248	SH		SOLE	0	7,248	0	0
AFLAC INC COM	Stock	001055102	290,298	4,159	SH		SOLE	0	4,159	0	0
SYSCO CORP COM	Stock	871829107	221,932	2,991	SH		SOLE	0	2,991	0	0
ISHARES U.S. AEROSPACE & DEFENSE ETF	ETF	464288760	824,857	7,070	SH		SOLE	0	7,070	0	0
INVESCO S&P 500 LOW VOLATILITY ETF	ETF	46138E354	437,579	6,967	SH		SOLE	0	6,966	0	0
ISHARES 0-3 MONTH TREASURY BOND ETF	ETF	46436E718	2,238,313	22,243	SH		SOLE	0	22,243	0	0
ISHARES SELECT DIVIDEND ETF	ETF	464287168	375,476	3,314	SH		SOLE	0	3,314	0	0
AMERICAN ELEC PWR CO INC COM	Stock	025537101	298,489	3,545	SH		SOLE	0	3,545	0	0
MARATHON PETE CORP COM	Stock	56585A102	643,542	5,519	SH		SOLE	0	5,519	0	0
TOWNEBANK PORTSMOUTH VA COM	Stock	89214P109	286,898	12,345	SH		SOLE	0	12,345	0	0
VANGUARD SMALL CAP VALUE ETF	ETF	922908611	388,525	2,349	SH		SOLE	0	2,349	0	0
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	499,190	6,874	SH		SOLE	0	6,874	0	0
VISA INC COM CL A	Stock	92826C839	1,199,274	5,050	SH		SOLE	0	5,050	0	0
VANGUARD SMALL-CAP GROWTH ETF	ETF	922908595	416,519	1,813	SH		SOLE	0	1,813	0	0
VANGUARD VALUE ETF	ETF	922908744	4,752,250	33,443	SH		SOLE	0	33,443	0	0
VANGUARD GROWTH ETF	ETF	922908736	16,973,054	59,984	SH		SOLE	0	59,983	0	0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	610,326	6,238	SH		SOLE	0	6,238	0	0
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND	ETF	97717W604	4,144,580	143,959	SH		SOLE	0	143,959	0	0
META PLATFORMS INC CL A	Stock	30303M102	425,304	1,482	SH		SOLE	0	1,482	0	0
MONDELEZ INTL INC CL A	Stock	609207105	383,737	5,261	SH		SOLE	0	5,261	0	0
BROADCOM INC COM	Stock	11135F101	264,566	305	SH		SOLE	0	305	0	0
CANADIAN PACIFIC KANSAS CITY COM	Stock	13646K108	302,241	3,742	SH		SOLE	0	3,742	0	0
ISHARES SHORT TREASURY BOND ETF	ETF	464288679	1,400,064	12,676	SH		SOLE	0	12,676	0	0
ABBVIE INC COM	Stock	00287Y109	991,613	7,360	SH		SOLE	0	7,360	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	9,700,162	196,798	SH		SOLE	0	196,797	0	0
INVESCO S&P 500 QUALITY ETF	ETF	46137V241	308,343	6,112	SH		SOLE	0	6,111	0	0
QUALCOMM INC COM	Stock	747525103	264,507	2,222	SH		SOLE	0	2,222	0	0
ISHARES GLOBAL FINANCIALS ETF	ETF	464287333	5,935,745	82,971	SH		SOLE	0	82,971	0	0
MCDONALDS CORP COM	Stock	580135101	3,410,826	11,430	SH		SOLE	0	11,430	0	0
CISCO SYS INC COM	Stock	17275R102	596,562	11,530	SH		SOLE	0	11,530	0	0
CAPITAL ONE FINL CORP COM	Stock	14040H105	255,051	2,332	SH		SOLE	0	2,332	0	0
ISHARES RUSSELL MIDCAP ETF	ETF	464287499	424,596	5,814	SH		SOLE	0	5,814	0	0
WISDOMTREE U.S. LARGECAP DIVIDEND FUND	ETF	97717W307	309,732	4,870	SH		SOLE	0	4,870	0	0
AT&T INC COM	Stock	00206R102	211,019	13,230	SH		SOLE	0	13,230	0	0
WISDOMTREE U.S. MIDCAP DIVIDEND FUND	ETF	97717W505	5,480,292	130,328	SH		SOLE	0	130,328	0	0
GLOBAL X S&P 500 COVERED CALL ETF	ETF	37954Y475	380,862	9,278	SH		SOLE	0	9,278	0	0
VANGUARD FINANCIALS ETF	ETF	92204A405	216,261	2,662	SH		SOLE	0	2,662	0	0
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	4,031,932	49,673	SH		SOLE	0	49,672	0	0
ISHARES S&P SMALL-CAP 600 GROWTH ETF	ETF	464287887	12,688,904	110,405	SH		SOLE	0	110,405	0	0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND	ETF	81369Y407	19,847,416	116,880	SH		SOLE	0	116,880	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	ETF	81369Y704	9,464,579	88,190	SH		SOLE	0	88,190	0	0
ISHARES U.S. TECHNOLOGY ETF	ETF	464287721	337,497	3,100	SH		SOLE	0	3,100	0	0
ISHARES S&P 500 VALUE ETF	ETF	464287408	50,541,909	313,555	SH		SOLE	0	313,554	0	0
SPDR PORTFOLIO S&P 600 SMALL CAP ETF	ETF	78468R853	434,115	11,177	SH		SOLE	0	11,177	0	0
WISDOMTREE U.S. AI ENHANCED VALUE FUND	ETF	97717W406	6,035,810	64,525	SH		SOLE	0	64,525	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	84,068,692	1,192,802	SH		SOLE	0	1,192,802	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	8,369,542	18,778	SH		SOLE	0	18,778	0	0
WELLS FARGO CO NEW COM	Stock	949746101	245,410	5,750	SH		SOLE	0	5,750	0	0
INVESCO DWA MOMENTUM ETF	ETF	46137V837	334,997	4,134	SH		SOLE	0	4,134	0	0
NORTHROP GRUMMAN CORP COM	Stock	666807102	251,602	552	SH		SOLE	0	552	0	0
THERMO FISHER SCIENTIFIC INC COM	Stock	883556102	765,929	1,468	SH		SOLE	0	1,468	0	0
VANGUARD MID-CAP VALUE ETF	ETF	922908512	298,347	2,156	SH		SOLE	0	2,156	0	0
JPMORGAN CHASE & CO COM	Stock	46625H100	855,624	5,883	SH		SOLE	0	5,883	0	0
SPDR PORTFOLIO EMERGING MARKETS ETF	ETF	78463X509	240,213	6,987	SH		SOLE	0	6,987	0	0
CHEVRON CORP NEW COM	Stock	166764100	692,340	4,400	SH		SOLE	0	4,400	0	0
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	10,862,979	101,780	SH		SOLE	0	101,780	0	0
ALBEMARLE CORP COM	Stock	012653101	363,860	1,631	SH		SOLE	0	1,631	0	0
MARKEL GROUP INC COM	Stock	570535104	367,926	266	SH		SOLE	0	266	0	0
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	35,373,605	765,994	SH		SOLE	0	765,994	0	0
BANK AMERICA CORP COM	Stock	060505104	403,045	14,048	SH		SOLE	0	14,048	0	0
VANGUARD CONSUMER DISCRETIONARY ETF	ETF	92204A108	6,727,133	23,754	SH		SOLE	0	23,754	0	0
INVESCO S&P 500 PURE GROWTH ETF	ETF	46137V266	261,532	1,714	SH		SOLE	0	1,714	0	0
SPDR S&P DIVIDEND ETF	ETF	78464A763	10,694,737	87,247	SH		SOLE	0	87,247	0	0
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	282,339	2,110	SH		SOLE	0	2,110	0	0
ORACLE CORP COM	Stock	68389X105	3,887,574	32,644	SH		SOLE	0	32,644	0	0
RAYTHEON TECHNOLOGIES CORP COM	Stock	75513E101	407,122	4,156	SH		SOLE	0	4,156	0	0
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	3,389,694	83,326	SH		SOLE	0	83,325	0	0
TEXAS INSTRS INC COM	Stock	882508104	317,375	1,763	SH		SOLE	0	1,763	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	25,786,926	243,112	SH		SOLE	0	243,112	0	0
PFIZER INC COM	Stock	717081103	370,615	10,104	SH		SOLE	0	10,104	0	0
CATERPILLAR INC COM	Stock	149123101	248,837	1,011	SH		SOLE	0	1,011	0	0
ALPHABET INC CAP STK CL C	Stock	02079K107	612,592	5,064	SH		SOLE	0	5,064	0	0
INVESCO S&P 500 PURE VALUE ETF	ETF	46137V258	301,009	3,881	SH		SOLE	0	3,881	0	0
VANGUARD DIVIDEND APPRECIATION ETF	ETF	921908844	559,084	3,442	SH		SOLE	0	3,442	0	0
INVESCO BUYBACK ACHIEVERS ETF	ETF	46137V308	300,672	3,361	SH		SOLE	0	3,361	0	0
ISHARES S&P SMALL-CAP 600 VALUE ETF	ETF	464287879	7,426,359	78,098	SH		SOLE	0	78,098	0	0
ISHARES S&P MID-CAP 400 GROWTH ETF	ETF	464287606	23,619,164	314,922	SH		SOLE	0	314,922	0	0
ISHARES S&P MID-CAP 400 VALUE ETF	ETF	464287705	19,663,603	183,549	SH		SOLE	0	183,548	0	0
SPDR PORTFOLIO S&P 500 GROWTH ETF	ETF	78464A409	1,912,969	31,355	SH		SOLE	0	31,355	0	0
LAM RESEARCH CORP COM	Stock	512807108	1,020,219	1,587	SH		SOLE	0	1,587	0	0
SPDR PORTFOLIO S&P 500 VALUE ETF	ETF	78464A508	1,663,848	38,515	SH		SOLE	0	38,515	0	0
PHILIP MORRIS INTL INC COM	Stock	718172109	3,448,192	35,323	SH		SOLE	0	35,322	0	0
ALTRIA GROUP INC COM	Stock	02209S103	4,920,124	108,612	SH		SOLE	0	108,612	0	0
DOMINION ENERGY INC COM	Stock	25746U109	4,352,919	84,049	SH		SOLE	0	84,049	0	0
EXXON MOBIL CORP COM	Stock	30231G102	1,421,009	13,250	SH		SOLE	0	13,249	0	0
UNITEDHEALTH GROUP INC COM	Stock	91324P102	689,238	1,434	SH		SOLE	0	1,434	0	0
LOWES COS INC COM	Stock	548661107	3,194,784	14,155	SH		SOLE	0	14,155	0	0
UTILITIES SELECT SECTOR SPDR FUND	ETF	81369Y886	203,649	3,112	SH		SOLE	0	3,112	0	0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	ETF	78463X889	784,051	24,095	SH		SOLE	0	24,095	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	29,818,329	114,037	SH		SOLE	0	114,036	0	0
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	10,755,216	214,162	SH		SOLE	0	214,162	0	0
ISHARES MSCI EAFE ETF	ETF	464287465	27,078,410	373,495	SH		SOLE	0	373,495	0	0
APPLE INC COM	Stock	037833100	17,885,627	92,208	SH		SOLE	0	92,208	0	0
ABBOTT LABS COM	Stock	002824100	817,105	7,495	SH		SOLE	0	7,495	0	0
DISNEY WALT CO COM	Stock	254687106	432,740	4,847	SH		SOLE	0	4,847	0	0
VANGUARD TOTAL WORLD STOCK ETF	ETF	922042742	3,162,711	32,612	SH		SOLE	0	32,611	0	0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF	ETF	78468R663	1,926,384	20,980	SH		SOLE	0	20,980	0	0