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
Estimated average burden
hours per response: 23.8
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
ALCON INC COM H01301128 564,512 7,933 SH   SOLE   0 0 7,933
ACCENTURE PLC CL A COM G1151C101 671,913 2,414 SH   SOLE   0 0 2,414
WELLS FARGO CO COM 949746101 1,417,090 35,758 SH   SOLE   0 0 35,758
VIVENDI UNIVERSAL ADR COM 92826C839 568,607 2,622 SH   SOLE   0 0 2,622
VERIZON COMMUNICATIONS COM 92343V104 352,365 6,044 SH   SOLE   0 0 6,044
VANGUARD TOTAL STOCK MARKET ETF COM 922908769 3,303,276 15,784 SH   SOLE   0 0 15,784
VANGUARD VALUE ETF COM 922908744 762,993 5,775 SH   SOLE   0 0 5,775
VANGUARD MID CAP ETF COM 922908629 878,586 3,913 SH   SOLE   0 0 3,913
VANGUARD SMALL CAP VALUE ETF COM 922908611 13,400,510 79,941 SH   SOLE   0 0 79,941
VANGUARD REIT INDEX ETF COM 922908553 5,424,081 57,993 SH   SOLE   0 0 57,993
VANGUARD MID CAP VALUE ETF COM 922908512 26,504,753 194,616 SH   SOLE   0 0 194,616
VANGUARD S&P 500 ETF COM 922908363 6,976,779 18,950 SH   SOLE   0 0 18,950
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102 310,133 5,042 SH   SOLE   0 0 5,042
VANGUARD INFO TECHNOLOGY ETF COM 92204A702 25,223,384 68,922 SH   SOLE   0 0 68,922
VANGUARD HEALTH CARE ETF COM 92204A504 17,762,036 77,689 SH   SOLE   0 0 77,689
VANGUARD ENERGY ETF COM 92204A306 285,954 4,095 SH   SOLE   0 0 4,095
VANGUARD CONSUMER STAPLES ETF COM 92204A207 19,560,396 110,063 SH   SOLE   0 0 110,063
VANGUARD FTSE EMERGING MARKET ETF COM 922042858 25,365,555 482,969 SH   SOLE   0 0 482,969
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676 9,957,611 177,751 SH   SOLE   0 0 177,751
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407 12,622,149 220,860 SH   SOLE   0 0 220,860
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885 29,180,626 375,217 SH   SOLE   0 0 375,217
VANGUARD MSCI EAFE ETF COM 921943858 329,494 6,623 SH   SOLE   0 0 6,623
VANGUARD TOTAL BOND MARKET ETF COM 921937835 262,032 3,090 SH   SOLE   0 0 3,090
UNITEDHEALTH GROUP INC COM 91324P102 529,682 1,443 SH   SOLE   0 0 1,443
UNION PACIFIC CORP COM 907818108 412,453 1,873 SH   SOLE   0 0 1,873
TRUIST FINANCIAL CORP COM 89832Q109 3,523,395 59,668 SH   SOLE   0 0 59,668
TEXAS INSTRUMENTS INC COM 882508104 612,863 3,191 SH   SOLE   0 0 3,191
SMITH & NEPHEW ADR NEW COM 83175M205 531,261 13,911 SH   SOLE   0 0 13,911
SCHWAB US TIPS ETF COM 808524870 17,232,206 281,480 SH   SOLE   0 0 281,480
SCHWAB SHORT TERM US TREASURY COM 808524862 17,858,875 348,262 SH   SOLE   0 0 348,262
SCHWAB US REIT ETF COM 808524847 1,218,883 29,132 SH   SOLE   0 0 29,132
SCHWAB US AGGREGATE BOND ETF COM 808524839 27,280,775 505,106 SH   SOLE   0 0 505,106
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706 12,757,045 398,160 SH   SOLE   0 0 398,160
SCHWAB US LARGE CAP VALUE ETF COM 808524409 842,697 12,805 SH   SOLE   0 0 12,805
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 1,697,228 12,850 SH   SOLE   0 0 12,850
SPDR USA STRATEGIC FACTORS COM 78468R812 4,881,217 43,524 SH   SOLE   0 0 43,524
SPDR S&P BIOTECH ETF COM 78464A870 4,358,650 31,808 SH   SOLE   0 0 31,808
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839 6,173,998 93,291 SH   SOLE   0 0 93,291
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300 2,942,501 35,516 SH   SOLE   0 0 35,516
PROCTER & GAMBLE CO COM 742718109 296,222 2,206 SH   SOLE   0 0 2,206
PNC FINL SERVICES GP INC COM 693475105 266,115 1,500 SH   SOLE   0 0 1,500
NOVO NORDISK A/S ADR COM 670100205 603,460 8,919 SH   SOLE   0 0 8,919
NOVARTIS A G SPON ADR COM 66987V109 571,399 6,638 SH   SOLE   0 0 6,638
NORFOLK SOUTHERN CORP COM 655844108 284,197 1,048 SH   SOLE   0 0 1,048
NIKE INC B COM 654106103 203,434 1,535 SH   SOLE   0 0 1,535
N V R INC COM 62944T105 282,326 59 SH   SOLE   0 0 59
MICROSOFT COM 594918104 920,699 3,799 SH   SOLE   0 0 3,799
MC DONALDS CORP COM 580135101 456,726 2,028 SH   SOLE   0 0 2,028
LOCKHEED MARTIN CORP COM 539830109 278,265 750 SH   SOLE   0 0 750
JOHNSON & JOHNSON COM 478160104 498,748 3,063 SH   SOLE   0 0 3,063
JP MORGAN CHASE & CO COM 46625H100 377,204 2,454 SH   SOLE   0 0 2,454
ISHARES MSCI DENMARK ETF COM 46429B523 5,912,365 60,466 SH   SOLE   0 0 60,466
ISHARES MSCI FINLAND ETF COM 46429B515 3,551,518 77,561 SH   SOLE   0 0 77,561
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507 6,699,031 120,095 SH   SOLE   0 0 120,095
ISHARES MSCI NEW ZEALAND COM 464289123 7,040,313 112,916 SH   SOLE   0 0 112,916
ISHARES RUSSELL 2000 VALUE COM 464287630 686,255 4,254 SH   SOLE   0 0 4,254
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 498,955 3,293 SH   SOLE   0 0 3,293
ISHARES RUSSELL MIDCAP VALUE COM 464287473 243,343 2,202 SH   SOLE   0 0 2,202
ISHARES S&P GLOBAL HEALTHCARE COM 464287325 2,116,644 27,439 SH   SOLE   0 0 27,439
ISHARES GLOBAL TECHNOLOGY COM 464287291 2,851,021 9,082 SH   SOLE   0 0 9,082
ISHARES MSCI HONG KONG COM 464286871 1,937,076 72,387 SH   SOLE   0 0 72,387
ISHARES MSCI NETHERLANDS COM 464286814 4,923,069 103,928 SH   SOLE   0 0 103,928
ISHARES MSCI SWEDEN COM 464286756 214,802 4,747 SH   SOLE   0 0 4,747
ISHARES MSCI SWITZERLAND COM 464286749 1,956,314 43,522 SH   SOLE   0 0 43,522
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640 4,554,891 132,796 SH   SOLE   0 0 132,796
HONEYWELL INTERNATIONAL COM 438516106 373,330 1,722 SH   SOLE   0 0 1,722
GLOBAL X FTSE NORDIC 30 ETF COM 37950E101 205,393 7,184 SH   SOLE   0 0 7,184
GLAXOSMITHKLINE PLC ADRF COM 37733W105 589,526 16,458 SH   SOLE   0 0 16,458
GENMAB A/S COM 372303206 505,300 15,340 SH   SOLE   0 0 15,340
GMS INC COM 36251C103 457,874 10,933 SH   SOLE   0 0 10,933
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843 6,718,364 227,973 SH   SOLE   0 0 227,973
FRANKLIN FTSE CANADA ETF COM 35473P827 3,023,234 98,573 SH   SOLE   0 0 98,573
FRANKLIN FTSE HONG KONG ETF COM 35473P777 1,790,335 62,689 SH   SOLE   0 0 62,689
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694 8,858,488 288,536 SH   SOLE   0 0 288,536
FRANKLIN FTSE TAIWAN ETF COM 35473P686 3,934,841 94,105 SH   SOLE   0 0 94,105
FRANKLIN FTSE UNITED KINGDOM ETF COM 35473P678 5,438,854 225,585 SH   SOLE   0 0 225,585
FISERV INC COM 337738108 390,944 3,200 SH   SOLE   0 0 3,200
EXXON MOBIL CORPORATION COM 30231G102 409,650 7,138 SH   SOLE   0 0 7,138
DOMINION RES INC VA NEW COM 25746U109 391,844 5,175 SH   SOLE   0 0 5,175
DISNEY WALT COMPANY DEL COM 254687106 797,210 4,219 SH   SOLE   0 0 4,219
COGENT COMMUN GROUP NEW COM 19239V302 276,445 4,041 SH   SOLE   0 0 4,041
CEMEX SA ADR NEW COM 151290889 157,550 23,000 SH   SOLE   0 0 23,000
CANOPY GROWTH CORP COM 138035100 496,641 15,491 SH   SOLE   0 0 15,491
BERKSHIRE HATHAWAY CL B COM 084670702 350,636 1,358 SH   SOLE   0 0 1,358
BAUSCH HEALTH COS INC COM 071734107 565,262 17,826 SH   SOLE   0 0 17,826
BANK OF AMERICA CORP COM 060505104 205,269 5,198 SH   SOLE   0 0 5,198
AUTO DATA PROCESSING COM 053015103 233,720 1,234 SH   SOLE   0 0 1,234
ASTRAZENECA PLC ADR COM 046353108 571,873 11,546 SH   SOLE   0 0 11,546
APPLE COMPUTER INC COM 037833100 669,024 12,439 SH   SOLE   0 0 12,439
AMPIO PHARMACEUTICAL COM 03209T109 44,400 24,000 SH   SOLE   0 0 24,000
AMAZON COM INC COM 023135106 249,719 79 SH   SOLE   0 0 79
ALPHABET INC CLASS A COM 02079K305 234,276 110 SH   SOLE   0 0 110
ALPHABET INC CLASS C COM 02079K107 309,974 145 SH   SOLE   0 0 145
ACELRX PHARMACEUTICALS COM 00444T100 19,050 11,206 SH   SOLE   0 0 11,206