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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALCON INC COM H01301128   627,370 9,152 SH   SOLE   0 0 9,152
ACCENTURE PLC CL A COM G1151C101   654,825 2,454 SH   SOLE   0 0 2,454
WELLS FARGO CO COM 949746101   1,452,623 35,181 SH   SOLE   0 0 35,181
VISA INC COM 92826C839   591,285 2,846 SH   SOLE   0 0 2,846
VANGUARD TOTAL STOCK MARKET ETF COM 922908769   2,489,867 13,023 SH   SOLE   0 0 13,023
VANGUARD VALUE ETF COM 922908744   2,578,316 18,368 SH   SOLE   0 0 18,368
VANGUARD MID CAP ETF COM 922908629   795,063 3,901 SH   SOLE   0 0 3,901
VANGUARD SMALL CAP VALUE ETF COM 922908611   19,406,313 122,206 SH   SOLE   0 0 122,206
VANGUARD REAL ESTATE ETF COM 922908553   5,601,543 67,914 SH   SOLE   0 0 67,914
VANGUARD MID CAP VALUE ETF COM 922908512   32,904,703 243,306 SH   SOLE   0 0 243,306
VANGUARD S&P 500 ETF COM 922908363   6,307,396 17,952 SH   SOLE   0 0 17,952
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102   3,399,700 58,798 SH   SOLE   0 0 58,798
VANGUARD INFO TECHNOLOGY ETF COM 92204A702   26,398,598 82,648 SH   SOLE   0 0 82,648
VANGUARD HEALTH CARE ETF COM 92204A504   17,564,421 70,810 SH   SOLE   0 0 70,810
VANGUARD CONSUMER STAPLES ETF COM 92204A207   18,779,990 98,032 SH   SOLE   0 0 98,032
VANGUARD FTSE EMERGING MARKET ETF COM 922042858   26,082,548 669,126 SH   SOLE   0 0 669,126
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676   3,474,834 84,055 SH   SOLE   0 0 84,055
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407   24,765,859 522,156 SH   SOLE   0 0 522,156
VANGUARD SHORT INFLATION-PROTECTED ETF COM 922020805   24,915,581 533,410 SH   SOLE   0 0 533,410
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885   14,305,054 234,586 SH   SOLE   0 0 234,586
VANGUARD TOTAL BOND MARKET ETF COM 921937835   1,310,793 18,246 SH   SOLE   0 0 18,246
UNITEDHEALTH GROUP INC COM 91324P102   866,314 1,634 SH   SOLE   0 0 1,634
UNION PACIFIC CORP COM 907818108   521,402 2,518 SH   SOLE   0 0 2,518
TRUIST FINANCIAL CORP COM 89832Q109   2,068,366 48,068 SH   SOLE   0 0 48,068
TEXAS INSTRUMENTS INC COM 882508104   489,382 2,962 SH   SOLE   0 0 2,962
SMITH & NEPHEW ADR NEW COM 83175M205   419,618 15,605 SH   SOLE   0 0 15,605
SCHWAB US TIPS ETF COM 808524870   11,707,285 226,053 SH   SOLE   0 0 226,053
SCHWAB SHORT TERM US TREASURY COM 808524862   15,858,900 328,750 SH   SOLE   0 0 328,750
SCHWAB US REIT ETF COM 808524847   479,858 24,876 SH   SOLE   0 0 24,876
SCHWAB US AGGREGATE BOND ETF COM 808524839   6,076,882 133,119 SH   SOLE   0 0 133,119
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706   9,419,452 397,949 SH   SOLE   0 0 397,949
SCHWAB US LARGE CAP VALUE ETF COM 808524409   716,911 10,859 SH   SOLE   0 0 10,859
SCHWAB US LARGE CAP GROWTH ETF COM 808524300   922,796 16,609 SH   SOLE   0 0 16,609
SPDR USA STRATEGIC FACTORS COM 78468R812   6,408,790 58,098 SH   SOLE   0 0 58,098
SPDR S&P BIOTECH ETF COM 78464A870   5,024,820 60,540 SH   SOLE   0 0 60,540
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839   5,108,608 78,934 SH   SOLE   0 0 78,934
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300   3,009,250 40,545 SH   SOLE   0 0 40,545
SPDR S&P 500 ETF COM 78462F103   423,732 1,108 SH   SOLE   0 0 1,108
REGIS CORP MINN COM 758932107   24,400 20,000 SH   SOLE   0 0 20,000
PROCTER & GAMBLE CO COM 742718109   390,267 2,575 SH   SOLE   0 0 2,575
PFIZER INCORPORATED COM 717081103   238,112 4,647 SH   SOLE   0 0 4,647
PEPSICO INC. COM 713448108   208,662 1,155 SH   SOLE   0 0 1,155
NOVO NORDISK A/S ADR COM 670100205   1,210,210 8,942 SH   SOLE   0 0 8,942
NOVARTIS A G SPON ADR COM 66987V109   715,055 7,882 SH   SOLE   0 0 7,882
NORFOLK SOUTHERN CORP COM 655844108   966,213 3,921 SH   SOLE   0 0 3,921
NERDY INC COM 64081V109   33,750 15,000 SH   SOLE   0 0 15,000
NATL BANKSHARES INC COM 634865109   612,842 15,207 SH   SOLE   0 0 15,207
N V R INC COM 62944T105   272,142 59 SH   SOLE   0 0 59
MICROSOFT COM 594918104   1,302,953 5,433 SH   SOLE   0 0 5,433
MCKESSON HBOC INC COM 58155Q103   272,361 726 SH   SOLE   0 0 726
MC DONALDS CORP COM 580135101   546,369 2,073 SH   SOLE   0 0 2,073
LOCKHEED MARTIN CORP COM 539830109   404,760 832 SH   SOLE   0 0 832
JOHNSON & JOHNSON COM 478160104   631,700 3,576 SH   SOLE   0 0 3,576
JP MORGAN CHASE & CO COM 46625H100   324,790 2,422 SH   SOLE   0 0 2,422
ISHARES MSCI DENMARK ETF COM 46429B523   7,213,275 74,379 SH   SOLE   0 0 74,379
ISHARES MSCI FINLAND ETF COM 46429B515   6,495,910 173,628 SH   SOLE   0 0 173,628
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507   6,872,579 150,286 SH   SOLE   0 0 150,286
ISHARES MSCI NEW ZEALAND COM 464289123   7,532,581 155,151 SH   SOLE   0 0 155,151
ISHARES RUSSELL 2000 VALUE COM 464287630   345,011 2,488 SH   SOLE   0 0 2,488
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556   415,401 3,164 SH   SOLE   0 0 3,164
ISHARES RUSSELL MIDCAP VALUE COM 464287473   232,380 2,206 SH   SOLE   0 0 2,206
ISHARES S&P GLOBAL HEALTHCARE COM 464287325   2,114,700 24,914 SH   SOLE   0 0 24,914
ISHARES GLOBAL TECHNOLOGY COM 464287291   1,985,835 44,297 SH   SOLE   0 0 44,297
ISHARES MSCI NETHERLANDS COM 464286814   5,761,065 154,701 SH   SOLE   0 0 154,701
ISHARES MSCI SWEDEN COM 464286756   6,121,524 189,345 SH   SOLE   0 0 189,345
ISHARES MSCI SWITZERLAND COM 464286749   679,056 16,195 SH   SOLE   0 0 16,195
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640   3,597,435 132,796 SH   SOLE   0 0 132,796
ISHARES MSCI AUSTRIA COM 464286202   6,115,226 321,854 SH   SOLE   0 0 321,854
HONEYWELL INTERNATIONAL COM 438516106   378,454 1,766 SH   SOLE   0 0 1,766
HALEON PLC COM 405552100   153,776 19,222 SH   SOLE   0 0 19,222
GENMAB A/S COM 372303206   729,741 17,219 SH   SOLE   0 0 17,219
GENERAL DYNAMICS CORP COM 369550108   1,135,599 4,577 SH   SOLE   0 0 4,577
GATOS SILVER INC COM 368036109   122,700 30,000 SH   SOLE   0 0 30,000
GMS INC COM 36251C103   532,561 10,694 SH   SOLE   0 0 10,694
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843   6,790,070 258,907 SH   SOLE   0 0 258,907
FRANKLIN FTSE CANADA ETF COM 35473P827   5,195,674 174,762 SH   SOLE   0 0 174,762
FRANKLIN FTSE SOUTH KOREA ETF COM 35473P710   3,451,737 177,103 SH   SOLE   0 0 177,103
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694   6,189,125 212,831 SH   SOLE   0 0 212,831
FRANKLIN FTSE TAIWAN ETF COM 35473P686   7,075,198 216,355 SH   SOLE   0 0 216,355
FRANKLIN FTSE UNITED KINGDOM ETF COM 35473P678   5,283,816 230,936 SH   SOLE   0 0 230,936
FISERV INC COM 337738108   323,424 3,200 SH   SOLE   0 0 3,200
FIDELITY MSCI REAL ESTATE ETF COM 316092857   993,740 40,054 SH   SOLE   0 0 40,054
FACEBOOK INC CLASS A COM 30303M102   892,802 7,419 SH   SOLE   0 0 7,419
EXXON MOBIL CORPORATION COM 30231G102   760,629 6,896 SH   SOLE   0 0 6,896
DOMINION RES INC VA NEW COM 25746U109   292,675 4,773 SH   SOLE   0 0 4,773
DISNEY WALT COMPANY DEL COM 254687106   344,889 3,970 SH   SOLE   0 0 3,970
DIMENSIONAL US CORE EQUITY 2 ETF COM 25434V708   247,146 10,179 SH   SOLE   0 0 10,179
DEERE & CO COM 244199105   355,871 830 SH   SOLE   0 0 830
COEUR D ALENE MINES CORP COM 192108504   67,200 20,000 SH   SOLE   0 0 20,000
COCA COLA CO COM 191216100   401,070 6,305 SH   SOLE   0 0 6,305
CHEVRONTEXACO CORP COM 166764100   329,903 1,838 SH   SOLE   0 0 1,838
CHENIERE ENERGY INC COM 16411R208   224,940 1,500 SH   SOLE   0 0 1,500
CATERPILLER INC COM 149123101   285,594 1,192 SH   SOLE   0 0 1,192
CANOPY GROWTH CORP COM 138035100   53,906 23,336 SH   SOLE   0 0 23,336
BERKSHIRE HATHAWAY CL B COM 084670702   399,099 1,292 SH   SOLE   0 0 1,292
BAUSCH HEALTH COS INC COM 071734107   128,935 20,531 SH   SOLE   0 0 20,531
BANK OF AMERICA CORP COM 060505104   268,438 8,105 SH   SOLE   0 0 8,105
AUTO DATA PROCESSING COM 053015103   323,416 1,354 SH   SOLE   0 0 1,354
ASTRAZENECA PLC ADR COM 046353108   915,775 13,507 SH   SOLE   0 0 13,507
APPLE COMPUTER INC COM 037833100   1,249,833 9,619 SH   SOLE   0 0 9,619
ELEVANCE HEALTH INC COM 036752103   405,759 791 SH   SOLE   0 0 791
AMAZON COM INC COM 023135106   908,124 10,811 SH   SOLE   0 0 10,811
ALPHABET INC CLASS A COM 02079K305   201,958 2,289 SH   SOLE   0 0 2,289
ALPHABET INC CLASS C COM 02079K107   266,367 3,002 SH   SOLE   0 0 3,002
FREEDOM 100 EMERGING MARKETS ETF COM 02072L607   212,493 7,706 SH   SOLE   0 0 7,706
ABBVIE INC COM 00287Y109   260,354 1,611 SH   SOLE   0 0 1,611