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 654,170 9,139 SH   SOLE   0 0 9,139
ACCENTURE PLC CL A COM G1151C101 688,715 2,454 SH   SOLE   0 0 2,454
WELLS FARGO CO COM 949746101 1,422,350 35,630 SH   SOLE   0 0 35,630
VISA INC COM 92826C839 541,371 2,718 SH   SOLE   0 0 2,718
VERIZON COMMUNICATIONS COM 92343V104 328,740 6,366 SH   SOLE   0 0 6,366
VANGUARD TOTAL STOCK MARKET ETF COM 922908769 2,571,901 13,493 SH   SOLE   0 0 13,493
VANGUARD VALUE ETF COM 922908744 1,575,874 11,830 SH   SOLE   0 0 11,830
VANGUARD MID CAP ETF COM 922908629 780,596 3,911 SH   SOLE   0 0 3,911
VANGUARD SMALL CAP VALUE ETF COM 922908611 17,810,255 117,219 SH   SOLE   0 0 117,219
VANGUARD REIT INDEX ETF COM 922908553 6,560,853 70,737 SH   SOLE   0 0 70,737
VANGUARD MID CAP VALUE ETF COM 922908512 30,378,433 231,490 SH   SOLE   0 0 231,490
VANGUARD S&P 500 ETF COM 922908363 6,635,371 18,934 SH   SOLE   0 0 18,934
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102 1,538,999 26,098 SH   SOLE   0 0 26,098
VANGUARD INFO TECHNOLOGY ETF COM 92204A702 24,128,153 73,667 SH   SOLE   0 0 73,667
VANGUARD HEALTH CARE ETF COM 92204A504 18,200,174 76,311 SH   SOLE   0 0 76,311
VANGUARD CONSUMER STAPLES ETF COM 92204A207 18,164,642 96,641 SH   SOLE   0 0 96,641
VANGUARD FTSE EMERGING MARKET ETF COM 922042858 25,797,310 623,123 SH   SOLE   0 0 623,123
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676 4,218,223 95,284 SH   SOLE   0 0 95,284
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407 24,704,565 495,976 SH   SOLE   0 0 495,976
VANGUARD SHORT INFLATION-PROTECTED ETF COM 922020805 30,323,752 608,422 SH   SOLE   0 0 608,422
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885 12,586,985 203,607 SH   SOLE   0 0 203,607
VANGUARD MSCI EAFE ETF COM 921943858 211,360 5,169 SH   SOLE   0 0 5,169
VANGUARD TOTAL BOND MARKET ETF COM 921937835 543,296 7,176 SH   SOLE   0 0 7,176
UNITEDHEALTH GROUP INC COM 91324P102 870,784 1,683 SH   SOLE   0 0 1,683
UNION PACIFIC CORP COM 907818108 547,837 2,545 SH   SOLE   0 0 2,545
TRUIST FINANCIAL CORP COM 89832Q109 3,059,254 63,470 SH   SOLE   0 0 63,470
TEXAS INSTRUMENTS INC COM 882508104 435,668 2,933 SH   SOLE   0 0 2,933
SMITH & NEPHEW ADR NEW COM 83175M205 433,227 15,489 SH   SOLE   0 0 15,489
SCHWAB US TIPS ETF COM 808524870 12,554,999 222,883 SH   SOLE   0 0 222,883
SCHWAB SHORT TERM US TREASURY COM 808524862 16,875,887 342,449 SH   SOLE   0 0 342,449
SCHWAB US REIT ETF COM 808524847 603,820 28,137 SH   SOLE   0 0 28,137
SCHWAB US AGGREGATE BOND ETF COM 808524839 6,857,647 142,393 SH   SOLE   0 0 142,393
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706 9,049,774 358,407 SH   SOLE   0 0 358,407
SCHWAB US LARGE CAP VALUE ETF COM 808524409 753,378 11,947 SH   SOLE   0 0 11,947
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 1,102,667 18,804 SH   SOLE   0 0 18,804
SPDR USA STRATEGIC FACTORS COM 78468R812 5,602,460 51,394 SH   SOLE   0 0 51,394
SPDR S&P BIOTECH ETF COM 78464A870 4,372,118 57,122 SH   SOLE   0 0 57,122
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839 5,025,881 82,082 SH   SOLE   0 0 82,082
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300 3,284,017 44,833 SH   SOLE   0 0 44,833
SPDR S&P 500 ETF COM 78462F103 540,217 1,417 SH   SOLE   0 0 1,417
REGIS CORP MINN COM 758932107 30,900 30,000 SH   SOLE   0 0 30,000
PROCTER & GAMBLE CO COM 742718109 369,108 2,526 SH   SOLE   0 0 2,526
PFIZER INCORPORATED COM 717081103 243,085 4,647 SH   SOLE   0 0 4,647
PEPSICO INC. COM 713448108 216,311 1,277 SH   SOLE   0 0 1,277
NOVO NORDISK A/S ADR COM 670100205 1,081,345 9,686 SH   SOLE   0 0 9,686
NOVARTIS A G SPON ADR COM 66987V109 684,075 8,109 SH   SOLE   0 0 8,109
NORFOLK SOUTHERN CORP COM 655844108 896,145 3,921 SH   SOLE   0 0 3,921
NATL BANKSHARES INC COM 634865109 491,034 15,207 SH   SOLE   0 0 15,207
N V R INC COM 62944T105 245,966 59 SH   SOLE   0 0 59
MICROSOFT COM 594918104 952,671 5,670 SH   SOLE   0 0 5,670
MCKESSON HBOC INC COM 58155Q103 239,260 726 SH   SOLE   0 0 726
MC DONALDS CORP COM 580135101 534,573 2,113 SH   SOLE   0 0 2,113
LOCKHEED MARTIN CORP COM 539830109 330,342 762 SH   SOLE   0 0 762
JOHNSON & JOHNSON COM 478160104 661,711 3,686 SH   SOLE   0 0 3,686
JP MORGAN CHASE & CO COM 46625H100 292,538 2,565 SH   SOLE   0 0 2,565
ISHARES MSCI DENMARK ETF COM 46429B523 6,385,983 73,301 SH   SOLE   0 0 73,301
ISHARES MSCI FINLAND ETF COM 46429B515 4,903,549 140,342 SH   SOLE   0 0 140,342
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507 5,980,586 147,410 SH   SOLE   0 0 147,410
ISHARES MSCI NEW ZEALAND COM 464289123 6,238,892 140,674 SH   SOLE   0 0 140,674
ISHARES RUSSELL 2000 VALUE COM 464287630 361,736 2,619 SH   SOLE   0 0 2,619
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 380,217 3,164 SH   SOLE   0 0 3,164
ISHARES RUSSELL MIDCAP VALUE COM 464287473 228,521 2,218 SH   SOLE   0 0 2,218
ISHARES S&P GLOBAL HEALTHCARE COM 464287325 2,144,007 26,156 SH   SOLE   0 0 26,156
ISHARES GLOBAL TECHNOLOGY COM 464287291 2,068,696 45,396 SH   SOLE   0 0 45,396
ISHARES MSCI HONG KONG COM 464286871 416,298 18,786 SH   SOLE   0 0 18,786
ISHARES MSCI NETHERLANDS COM 464286814 4,837,441 139,247 SH   SOLE   0 0 139,247
ISHARES MSCI SWEDEN COM 464286756 4,385,178 143,588 SH   SOLE   0 0 143,588
ISHARES MSCI SWITZERLAND COM 464286749 1,013,388 24,372 SH   SOLE   0 0 24,372
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640 3,339,592 139,150 SH   SOLE   0 0 139,150
ISHARES MSCI AUSTRIA COM 464286202 4,292,958 237,837 SH   SOLE   0 0 237,837
INTL BUSINESS MACHINES COM 459200101 272,220 1,929 SH   SOLE   0 0 1,929
HONEYWELL INTERNATIONAL COM 438516106 309,244 1,766 SH   SOLE   0 0 1,766
GLOBAL X MSCI NORWAY COM 37950E747 4,873,805 188,396 SH   SOLE   0 0 188,396
GLAXOSMITHKLINE PLC ADRF COM 37733W105 882,263 20,166 SH   SOLE   0 0 20,166
GENMAB A/S COM 372303206 574,829 17,195 SH   SOLE   0 0 17,195
GENERAL DYNAMICS CORP COM 369550108 1,030,204 4,602 SH   SOLE   0 0 4,602
GATOS SILVER INC COM 368036109 61,320 21,000 SH   SOLE   0 0 21,000
GMS INC COM 36251C103 484,545 10,694 SH   SOLE   0 0 10,694
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843 6,248,644 250,532 SH   SOLE   0 0 250,532
FRANKLIN FTSE CANADA ETF COM 35473P827 4,764,350 154,434 SH   SOLE   0 0 154,434
FRANKLIN FTSE SOUTH KOREA ETF COM 35473P710 2,727,490 134,834 SH   SOLE   0 0 134,834
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694 6,642,520 231,242 SH   SOLE   0 0 231,242
FRANKLIN FTSE TAIWAN ETF COM 35473P686 6,130,907 176,930 SH   SOLE   0 0 176,930
FRANKLIN FTSE UNITED KINGDOM ETF COM 35473P678 4,621,750 207,906 SH   SOLE   0 0 207,906
FISERV INC COM 337738108 296,256 3,200 SH   SOLE   0 0 3,200
FACEBOOK INC CLASS A COM 30303M102 1,065,160 7,056 SH   SOLE   0 0 7,056
EXXON MOBIL CORPORATION COM 30231G102 603,832 6,897 SH   SOLE   0 0 6,897
ENDEAVOUR SILVER CO COM 29258Y103 98,400 30,000 SH   SOLE   0 0 30,000
EQT CORP COM 26884L109 257,025 7,500 SH   SOLE   0 0 7,500
DOMINION RES INC VA NEW COM 25746U109 381,496 4,696 SH   SOLE   0 0 4,696
DISNEY WALT COMPANY DEL COM 254687106 389,532 4,052 SH   SOLE   0 0 4,052
DEERE & CO COM 244199105 250,956 832 SH   SOLE   0 0 832
COEUR D ALENE MINES CORP COM 192108504 76,750 25,000 SH   SOLE   0 0 25,000
COCA COLA CO COM 191216100 405,925 6,305 SH   SOLE   0 0 6,305
CHEVRONTEXACO CORP COM 166764100 268,260 1,831 SH   SOLE   0 0 1,831
CHENIERE ENERGY INC COM 16411R208 263,900 2,000 SH   SOLE   0 0 2,000
CATERPILLER INC COM 149123101 238,403 1,337 SH   SOLE   0 0 1,337
CANOPY GROWTH CORP COM 138035100 63,652 22,652 SH   SOLE   0 0 22,652
BERKSHIRE HATHAWAY CL B COM 084670702 357,420 1,288 SH   SOLE   0 0 1,288
BAUSCH HEALTH COS INC COM 071734107 177,236 20,778 SH   SOLE   0 0 20,778
BANK OF AMERICA CORP COM 060505104 257,372 8,155 SH   SOLE   0 0 8,155
AUTO DATA PROCESSING COM 053015103 288,713 1,354 SH   SOLE   0 0 1,354
ASTRAZENECA PLC ADR COM 046353108 904,834 13,720 SH   SOLE   0 0 13,720
APPLE COMPUTER INC COM 037833100 1,050,315 9,760 SH   SOLE   0 0 9,760
ANTHEM INC COM 036752103 358,167 737 SH   SOLE   0 0 737
AMPIO PHARMACEUTICAL COM 03209T109 3,840 24,000 SH   SOLE   0 0 24,000
AMAZON COM INC COM 023135106 1,061,636 9,690 SH   SOLE   0 0 9,690
ALPHABET INC CLASS A COM 02079K305 252,271 116 SH   SOLE   0 0 116
ALPHABET INC CLASS C COM 02079K107 285,792 131 SH   SOLE   0 0 131
ACELRX PHARMACEUTICALS COM 00444T100 2,891 11,206 SH   SOLE   0 0 11,206
ABBVIE INC COM 00287Y109 262,075 1,704 SH   SOLE   0 0 1,704