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 724,997 9,139 SH   SOLE   0 0 9,139
ACCENTURE PLC CL A COM G1151C101 827,562 2,454 SH   SOLE   0 0 2,454
WELLS FARGO CO COM 949746101 1,736,273 35,829 SH   SOLE   0 0 35,829
VISA INC COM 92826C839 653,334 2,946 SH   SOLE   0 0 2,946
VERIZON COMMUNICATIONS COM 92343V104 313,841 6,161 SH   SOLE   0 0 6,161
VANGUARD TOTAL STOCK MARKET ETF COM 922908769 3,100,410 13,618 SH   SOLE   0 0 13,618
VANGUARD VALUE ETF COM 922908744 1,018,898 6,895 SH   SOLE   0 0 6,895
VANGUARD MID CAP ETF COM 922908629 932,979 3,923 SH   SOLE   0 0 3,923
VANGUARD SMALL CAP VALUE ETF COM 922908611 16,822,855 95,617 SH   SOLE   0 0 95,617
VANGUARD REIT INDEX ETF COM 922908553 6,599,373 60,897 SH   SOLE   0 0 60,897
VANGUARD MID CAP VALUE ETF COM 922908512 32,095,983 214,445 SH   SOLE   0 0 214,445
VANGUARD S&P 500 ETF COM 922908363 8,087,266 19,479 SH   SOLE   0 0 19,479
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102 1,560,731 26,337 SH   SOLE   0 0 26,337
VANGUARD INFO TECHNOLOGY ETF COM 92204A702 27,757,559 66,648 SH   SOLE   0 0 66,648
VANGUARD HEALTH CARE ETF COM 92204A504 18,880,592 74,222 SH   SOLE   0 0 74,222
VANGUARD CONSUMER STAPLES ETF COM 92204A207 19,536,929 99,724 SH   SOLE   0 0 99,724
VANGUARD FTSE EMERGING MARKET ETF COM 922042858 28,515,095 618,146 SH   SOLE   0 0 618,146
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676 5,703,487 109,788 SH   SOLE   0 0 109,788
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407 25,973,532 495,300 SH   SOLE   0 0 495,300
VANGUARD SHORT INFLATION-PROTECTED ETF COM 922020805 28,536,016 557,235 SH   SOLE   0 0 557,235
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885 15,925,216 227,959 SH   SOLE   0 0 227,959
VANGUARD MSCI EAFE ETF COM 921943858 292,839 6,097 SH   SOLE   0 0 6,097
UNITEDHEALTH GROUP INC COM 91324P102 860,829 1,688 SH   SOLE   0 0 1,688
UNION PACIFIC CORP COM 907818108 713,898 2,613 SH   SOLE   0 0 2,613
TRUIST FINANCIAL CORP COM 89832Q109 3,612,641 63,715 SH   SOLE   0 0 63,715
TEXAS INSTRUMENTS INC COM 882508104 629,887 3,433 SH   SOLE   0 0 3,433
TESLA MOTORS INC COM 88160R101 306,038 284 SH   SOLE   0 0 284
SMITH & NEPHEW ADR NEW COM 83175M205 504,339 15,810 SH   SOLE   0 0 15,810
SCHWAB US TIPS ETF COM 808524870 13,782,384 227,020 SH   SOLE   0 0 227,020
SCHWAB SHORT TERM US TREASURY COM 808524862 16,222,765 327,468 SH   SOLE   0 0 327,468
SCHWAB US REIT ETF COM 808524847 768,753 30,886 SH   SOLE   0 0 30,886
SCHWAB US AGGREGATE BOND ETF COM 808524839 8,606,003 170,180 SH   SOLE   0 0 170,180
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706 10,371,425 373,476 SH   SOLE   0 0 373,476
SCHWAB US LARGE CAP VALUE ETF COM 808524409 852,896 11,947 SH   SOLE   0 0 11,947
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 1,619,853 21,650 SH   SOLE   0 0 21,650
SPDR USA STRATEGIC FACTORS COM 78468R812 5,492,493 44,081 SH   SOLE   0 0 44,081
SPDR S&P BIOTECH ETF COM 78464A870 3,904,387 43,440 SH   SOLE   0 0 43,440
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839 5,920,436 84,121 SH   SOLE   0 0 84,121
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300 3,611,439 43,339 SH   SOLE   0 0 43,339
SPDR S&P 500 ETF COM 78462F103 646,748 1,432 SH   SOLE   0 0 1,432
REGIS CORP MINN COM 758932107 169,600 80,000 SH   SOLE   0 0 80,000
PROCTER & GAMBLE CO COM 742718109 378,827 2,479 SH   SOLE   0 0 2,479
PFIZER INCORPORATED COM 717081103 240,575 4,647 SH   SOLE   0 0 4,647
PEPSICO INC. COM 713448108 213,744 1,277 SH   SOLE   0 0 1,277
NOVO NORDISK A/S ADR COM 670100205 1,075,741 9,687 SH   SOLE   0 0 9,687
NOVARTIS A G SPON ADR COM 66987V109 711,565 8,109 SH   SOLE   0 0 8,109
NORFOLK SOUTHERN CORP COM 655844108 1,118,348 3,921 SH   SOLE   0 0 3,921
NIKE INC B COM 654106103 214,758 1,596 SH   SOLE   0 0 1,596
NERDY INC COM 64081V109 203,600 40,000 SH   SOLE   0 0 40,000
NATL BANKSHARES INC COM 634865109 565,548 15,207 SH   SOLE   0 0 15,207
N V R INC COM 62944T105 263,569 59 SH   SOLE   0 0 59
MICROSOFT COM 594918104 1,373,844 5,656 SH   SOLE   0 0 5,656
MCKESSON HBOC INC COM 58155Q103 222,270 726 SH   SOLE   0 0 726
MC DONALDS CORP COM 580135101 559,909 2,264 SH   SOLE   0 0 2,264
LOCKHEED MARTIN CORP COM 539830109 348,265 789 SH   SOLE   0 0 789
JOHNSON & JOHNSON COM 478160104 722,921 4,079 SH   SOLE   0 0 4,079
JP MORGAN CHASE & CO COM 46625H100 385,104 2,825 SH   SOLE   0 0 2,825
ISHARES MSCI DENMARK ETF COM 46429B523 6,731,832 66,743 SH   SOLE   0 0 66,743
ISHARES MSCI FINLAND ETF COM 46429B515 4,527,418 110,588 SH   SOLE   0 0 110,588
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507 7,218,177 151,166 SH   SOLE   0 0 151,166
ISHARES MSCI NEW ZEALAND COM 464289123 7,872,211 143,118 SH   SOLE   0 0 143,118
ISHARES RUSSELL 2000 VALUE COM 464287630 422,707 2,619 SH   SOLE   0 0 2,619
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 425,299 3,264 SH   SOLE   0 0 3,264
ISHARES RUSSELL MIDCAP VALUE COM 464287473 265,362 2,218 SH   SOLE   0 0 2,218
ISHARES S&P GLOBAL HEALTHCARE COM 464287325 2,325,873 26,545 SH   SOLE   0 0 26,545
ISHARES GLOBAL TECHNOLOGY COM 464287291 2,945,690 50,779 SH   SOLE   0 0 50,779
ISHARES MSCI HONG KONG COM 464286871 1,156,555 51,243 SH   SOLE   0 0 51,243
ISHARES MSCI NETHERLANDS COM 464286814 5,007,681 118,301 SH   SOLE   0 0 118,301
ISHARES MSCI SWEDEN COM 464286756 1,323,503 34,067 SH   SOLE   0 0 34,067
ISHARES MSCI SWITZERLAND COM 464286749 1,547,288 31,513 SH   SOLE   0 0 31,513
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640 4,207,757 144,746 SH   SOLE   0 0 144,746
ISHARES MSCI AUSTRIA COM 464286202 1,467,720 67,950 SH   SOLE   0 0 67,950
INTL BUSINESS MACHINES COM 459200101 230,526 1,773 SH   SOLE   0 0 1,773
HONEYWELL INTERNATIONAL COM 438516106 343,628 1,766 SH   SOLE   0 0 1,766
GLAXOSMITHKLINE PLC ADRF COM 37733W105 904,044 20,754 SH   SOLE   0 0 20,754
GENMAB A/S COM 372303206 624,358 17,257 SH   SOLE   0 0 17,257
GENERAL DYNAMICS CORP COM 369550108 1,224,471 5,077 SH   SOLE   0 0 5,077
GMS INC COM 36251C103 532,240 10,694 SH   SOLE   0 0 10,694
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843 7,606,180 242,884 SH   SOLE   0 0 242,884
FRANKLIN FTSE CANADA ETF COM 35473P827 4,753,635 130,810 SH   SOLE   0 0 130,810
FRANKLIN FTSE HONG KONG ETF COM 35473P777 857,187 36,585 SH   SOLE   0 0 36,585
FRANKLIN FTSE SOUTH KOREA ETF COM 35473P710 1,055,097 41,622 SH   SOLE   0 0 41,622
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694 8,106,609 239,920 SH   SOLE   0 0 239,920
FRANKLIN FTSE TAIWAN ETF COM 35473P686 6,974,638 161,754 SH   SOLE   0 0 161,754
FRANKLIN FTSE UNITED KINGDOM ETF COM 35473P678 5,992,016 236,745 SH   SOLE   0 0 236,745
FISERV INC COM 337738108 324,480 3,200 SH   SOLE   0 0 3,200
EXXON MOBIL CORPORATION COM 30231G102 538,239 6,517 SH   SOLE   0 0 6,517
ENDEAVOUR SILVER CO COM 29258Y103 93,000 20,000 SH   SOLE   0 0 20,000
DOMINION RES INC VA NEW COM 25746U109 399,012 4,696 SH   SOLE   0 0 4,696
DISNEY WALT COMPANY DEL COM 254687106 574,935 4,192 SH   SOLE   0 0 4,192
DIMENSIONAL US CORE EQUITY 2 ETF COM 25434V708 280,737 10,179 SH   SOLE   0 0 10,179
DEERE & CO COM 244199105 345,663 832 SH   SOLE   0 0 832
COGENT COMMUN GROUP NEW COM 19239V302 228,708 3,447 SH   SOLE   0 0 3,447
COEUR D ALENE MINES CORP COM 192108504 155,750 35,000 SH   SOLE   0 0 35,000
COCA COLA CO COM 191216100 392,283 6,327 SH   SOLE   0 0 6,327
CHEVRONTEXACO CORP COM 166764100 305,306 1,875 SH   SOLE   0 0 1,875
CHENIERE ENERGY INC COM 16411R208 277,300 2,000 SH   SOLE   0 0 2,000
CEMEX SA ADR NEW COM 151290889 79,350 15,000 SH   SOLE   0 0 15,000
CATERPILLER INC COM 149123101 319,114 1,432 SH   SOLE   0 0 1,432
CANOPY GROWTH CORP COM 138035100 176,296 23,258 SH   SOLE   0 0 23,258
BERKSHIRE HATHAWAY CL B COM 084670702 447,490 1,268 SH   SOLE   0 0 1,268
BAUSCH HEALTH COS INC COM 071734107 504,437 22,076 SH   SOLE   0 0 22,076
BANK OF AMERICA CORP COM 060505104 294,929 7,155 SH   SOLE   0 0 7,155
AUTO DATA PROCESSING COM 053015103 321,059 1,411 SH   SOLE   0 0 1,411
ASTRAZENECA PLC ADR COM 046353108 938,114 14,141 SH   SOLE   0 0 14,141
APPLE COMPUTER INC COM 037833100 1,503,572 11,011 SH   SOLE   0 0 11,011
ANTHEM INC COM 036752103 324,593 661 SH   SOLE   0 0 661
AMPIO PHARMACEUTICAL COM 03209T109 11,280 24,000 SH   SOLE   0 0 24,000
AMAZON COM INC COM 023135106 440,093 135 SH   SOLE   0 0 135
ALPHABET INC CLASS A COM 02079K305 358,794 129 SH   SOLE   0 0 129
ALPHABET INC CLASS C COM 02079K107 368,675 132 SH   SOLE   0 0 132
FREEDOM 100 EMERGING MARKETS ETF COM 02072L607 234,270 6,856 SH   SOLE   0 0 6,856
ACELRX PHARMACEUTICALS COM 00444T100 3,199 11,206 SH   SOLE   0 0 11,206
ABBVIE INC COM 00287Y109 261,159 1,611 SH   SOLE   0 0 1,611