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   746,873 9,096 SH   SOLE   0 0 9,096
ACCENTURE PLC CL A COM G1151C101   757,255 2,454 SH   SOLE   0 0 2,454
WELLS FARGO CO COM 949746101   1,501,525 35,181 SH   SOLE   0 0 35,181
WAL-MART STORES INC COM 931142103   218,637 1,391 SH   SOLE   0 0 1,391
VISA INC COM 92826C839   675,868 2,846 SH   SOLE   0 0 2,846
VANGUARD TOTAL STOCK MARKET ETF COM 922908769   2,865,843 13,010 SH   SOLE   0 0 13,010
VANGUARD VALUE ETF COM 922908744   3,399,600 23,924 SH   SOLE   0 0 23,924
VANGUARD MID CAP ETF COM 922908629   854,661 3,882 SH   SOLE   0 0 3,882
VANGUARD SMALL CAP VALUE ETF COM 922908611   22,014,905 133,101 SH   SOLE   0 0 133,101
VANGUARD REAL ESTATE ETF COM 922908553   5,892,230 70,515 SH   SOLE   0 0 70,515
VANGUARD MID CAP VALUE ETF COM 922908512   35,616,660 257,383 SH   SOLE   0 0 257,383
VANGUARD S&P 500 ETF COM 922908363   6,958,381 17,085 SH   SOLE   0 0 17,085
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102   3,592,422 62,228 SH   SOLE   0 0 62,228
VANGUARD INFO TECHNOLOGY ETF COM 92204A702   32,867,079 74,333 SH   SOLE   0 0 74,333
VANGUARD HEALTH CARE ETF COM 92204A504   17,674,290 72,193 SH   SOLE   0 0 72,193
VANGUARD CONSUMER STAPLES ETF COM 92204A207   20,263,440 104,209 SH   SOLE   0 0 104,209
VANGUARD FTSE EMERGING MARKET ETF COM 922042858   28,974,632 712,257 SH   SOLE   0 0 712,257
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676   3,781,598 94,093 SH   SOLE   0 0 94,093
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407   27,559,766 563,825 SH   SOLE   0 0 563,825
VANGUARD SHORT INFLATION-PROTECTED ETF COM 922020805   28,211,581 594,930 SH   SOLE   0 0 594,930
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885   15,002,088 240,920 SH   SOLE   0 0 240,920
VANGUARD MSCI EAFE ETF COM 921943858   204,254 4,423 SH   SOLE   0 0 4,423
VANGUARD TOTAL BOND MARKET ETF COM 921937835   1,404,880 19,327 SH   SOLE   0 0 19,327
UNITEDHEALTH GROUP INC COM 91324P102   785,366 1,634 SH   SOLE   0 0 1,634
UNION PACIFIC CORP COM 907818108   515,233 2,518 SH   SOLE   0 0 2,518
TRUIST FINANCIAL CORP COM 89832Q109   1,462,111 48,175 SH   SOLE   0 0 48,175
TEXAS INSTRUMENTS INC COM 882508104   546,001 3,033 SH   SOLE   0 0 3,033
TESLA MOTORS INC COM 88160R101   231,405 884 SH   SOLE   0 0 884
SMITH & NEPHEW ADR NEW COM 83175M205   478,687 14,843 SH   SOLE   0 0 14,843
SCHWAB US TIPS ETF COM 808524870   11,523,799 219,794 SH   SOLE   0 0 219,794
SCHWAB SHORT TERM US TREASURY COM 808524862   15,178,501 315,824 SH   SOLE   0 0 315,824
SCHWAB US REIT ETF COM 808524847   435,324 22,290 SH   SOLE   0 0 22,290
SCHWAB US AGGREGATE BOND ETF COM 808524839   6,278,591 136,018 SH   SOLE   0 0 136,018
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706   9,512,252 386,206 SH   SOLE   0 0 386,206
SCHWAB US LARGE CAP VALUE ETF COM 808524409   649,364 9,679 SH   SOLE   0 0 9,679
SCHWAB US LARGE CAP GROWTH ETF COM 808524300   1,184,135 15,799 SH   SOLE   0 0 15,799
SPDR USA STRATEGIC FACTORS COM 78468R812   7,713,650 62,733 SH   SOLE   0 0 62,733
SPDR S&P BIOTECH ETF COM 78464A870   5,378,797 64,649 SH   SOLE   0 0 64,649
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839   5,207,196 75,708 SH   SOLE   0 0 75,708
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300   3,347,344 43,365 SH   SOLE   0 0 43,365
SPDR S&P 500 ETF COM 78462F103   539,270 1,217 SH   SOLE   0 0 1,217
PROCTER & GAMBLE CO COM 742718109   343,236 2,262 SH   SOLE   0 0 2,262
PEPSICO INC. COM 713448108   208,928 1,128 SH   SOLE   0 0 1,128
NOVO NORDISK A/S ADR COM 670100205   1,438,507 8,889 SH   SOLE   0 0 8,889
NOVARTIS A G SPON ADR COM 66987V109   781,144 7,741 SH   SOLE   0 0 7,741
NORFOLK SOUTHERN CORP COM 655844108   889,126 3,921 SH   SOLE   0 0 3,921
NERDY INC COM 64081V109   83,400 20,000 SH   SOLE   0 0 20,000
NATL BANKSHARES INC COM 634865109   443,892 15,207 SH   SOLE   0 0 15,207
N V R INC COM 62944T105   374,687 59 SH   SOLE   0 0 59
MONDELEZ INTL INC CL A COM 609207105   203,374 2,788 SH   SOLE   0 0 2,788
MICROSOFT COM 594918104   1,829,737 5,373 SH   SOLE   0 0 5,373
MCKESSON HBOC INC COM 58155Q103   310,254 726 SH   SOLE   0 0 726
MC DONALDS CORP COM 580135101   605,555 2,029 SH   SOLE   0 0 2,029
LOCKHEED MARTIN CORP COM 539830109   383,036 832 SH   SOLE   0 0 832
JOHNSON & JOHNSON COM 478160104   580,479 3,507 SH   SOLE   0 0 3,507
JPMORGAN EQUITY PREMIUM INCOME ETF COM 46641Q332   208,760 3,773 SH   SOLE   0 0 3,773
JP MORGAN CHASE & CO COM 46625H100   352,256 2,422 SH   SOLE   0 0 2,422
ISHARES MSCI DENMARK ETF COM 46429B523   7,183,356 67,241 SH   SOLE   0 0 67,241
ISHARES MSCI FINLAND ETF COM 46429B515   7,579,396 215,627 SH   SOLE   0 0 215,627
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507   8,312,966 144,279 SH   SOLE   0 0 144,279
ISHARES MSCI NEW ZEALAND COM 464289123   8,239,807 168,228 SH   SOLE   0 0 168,228
ISHARES RUSSELL 2000 VALUE COM 464287630   348,902 2,478 SH   SOLE   0 0 2,478
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556   401,701 3,164 SH   SOLE   0 0 3,164
ISHARES RUSSELL MIDCAP VALUE COM 464287473   227,259 2,069 SH   SOLE   0 0 2,069
ISHARES S&P GLOBAL HEALTHCARE COM 464287325   2,097,468 24,679 SH   SOLE   0 0 24,679
ISHARES GLOBAL TECHNOLOGY COM 464287291   2,638,473 42,426 SH   SOLE   0 0 42,426
ISHARES MSCI NETHERLANDS COM 464286814   7,051,740 162,933 SH   SOLE   0 0 162,933
ISHARES MSCI SWEDEN COM 464286756   7,811,314 220,534 SH   SOLE   0 0 220,534
ISHARES MSCI SWITZERLAND COM 464286749   741,393 16,044 SH   SOLE   0 0 16,044
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640   2,886,777 98,930 SH   SOLE   0 0 98,930
ISHARES MSCI AUSTRIA COM 464286202   7,307,350 359,968 SH   SOLE   0 0 359,968
HONEYWELL INTERNATIONAL COM 438516106   366,445 1,766 SH   SOLE   0 0 1,766
HALEON PLC COM 405552100   158,600 18,926 SH   SOLE   0 0 18,926
GENMAB A/S COM 372303206   646,702 17,014 SH   SOLE   0 0 17,014
GENERAL DYNAMICS CORP COM 369550108   978,287 4,547 SH   SOLE   0 0 4,547
GATOS SILVER INC COM 368036109   113,400 30,000 SH   SOLE   0 0 30,000
GMS INC COM 36251C103   747,983 10,809 SH   SOLE   0 0 10,809
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843   6,905,737 260,527 SH   SOLE   0 0 260,527
FRANKLIN FTSE CANADA ETF COM 35473P827   238,568 7,552 SH   SOLE   0 0 7,552
FRANKLIN FTSE SOUTH KOREA ETF COM 35473P710   3,383,489 156,137 SH   SOLE   0 0 156,137
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694   7,242,820 228,088 SH   SOLE   0 0 228,088
FRANKLIN FTSE TAIWAN ETF COM 35473P686   8,819,125 228,998 SH   SOLE   0 0 228,998
FRANKLIN FTSE UNITED KINGDOM ETF COM 35473P678   438,176 17,947 SH   SOLE   0 0 17,947
FISERV INC COM 337738108   403,680 3,200 SH   SOLE   0 0 3,200
FIDELITY MSCI REAL ESTATE ETF COM 316092857   1,800,584 71,765 SH   SOLE   0 0 71,765
FIDELITY MSCI INFORMATION TECHNOLOGY ETF COM 316092808   224,178 1,716 SH   SOLE   0 0 1,716
FIDELITY MSCI HEALTH ETF COM 316092600   400,938 6,352 SH   SOLE   0 0 6,352
FIDELITY MSCI CONSUMER STAPLES ETF COM 316092303   510,930 11,249 SH   SOLE   0 0 11,249
META PLATFORMS INC COM 30303M102   1,397,306 4,869 SH   SOLE   0 0 4,869
EXXON MOBIL CORPORATION COM 30231G102   601,994 5,613 SH   SOLE   0 0 5,613
DOMINION RES INC VA NEW COM 25746U109   227,792 4,398 SH   SOLE   0 0 4,398
DISNEY WALT COMPANY DEL COM 254687106   350,309 3,924 SH   SOLE   0 0 3,924
DIMENSIONAL US CORE EQUITY 2 ETF COM 25434V708   276,360 10,179 SH   SOLE   0 0 10,179
DEERE & CO COM 244199105   336,308 830 SH   SOLE   0 0 830
COEUR D ALENE MINES CORP COM 192108504   56,800 20,000 SH   SOLE   0 0 20,000
COCA COLA CO COM 191216100   459,427 7,629 SH   SOLE   0 0 7,629
CHEVRONTEXACO CORP COM 166764100   288,108 1,831 SH   SOLE   0 0 1,831
CHENIERE ENERGY INC COM 16411R208   228,540 1,500 SH   SOLE   0 0 1,500
CATERPILLER INC COM 149123101   293,332 1,192 SH   SOLE   0 0 1,192
CANOPY GROWTH CORP COM 138035100   8,537 22,009 SH   SOLE   0 0 22,009
BERKSHIRE HATHAWAY CL B COM 084670702   433,411 1,271 SH   SOLE   0 0 1,271
BAUSCH HEALTH COS INC COM 071734107   159,720 19,965 SH   SOLE   0 0 19,965
BANK OF AMERICA CORP COM 060505104   227,971 7,946 SH   SOLE   0 0 7,946
AUTO DATA PROCESSING COM 053015103   297,596 1,354 SH   SOLE   0 0 1,354
ASTRAZENECA PLC ADR COM 046353108   958,609 13,394 SH   SOLE   0 0 13,394
APPLE COMPUTER INC COM 037833100   1,838,502 9,478 SH   SOLE   0 0 9,478
ELEVANCE HEALTH INC COM 036752103   314,113 707 SH   SOLE   0 0 707
AMAZON COM INC COM 023135106   1,381,686 10,599 SH   SOLE   0 0 10,599
ALPHABET INC CLASS A COM 02079K305   271,599 2,269 SH   SOLE   0 0 2,269
ALPHABET INC CLASS C COM 02079K107   336,176 2,779 SH   SOLE   0 0 2,779
FREEDOM 100 EMERGING MARKETS ETF COM 02072L607   240,556 7,672 SH   SOLE   0 0 7,672
ABBVIE INC COM 00287Y109   215,837 1,602 SH   SOLE   0 0 1,602