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   694,311 9,010 SH   SOLE   0 0 9,010
ACCENTURE PLC CL A COM G1151C101   753,648 2,454 SH   SOLE   0 0 2,454
WELLS FARGO CO COM 949746101   1,437,496 35,181 SH   SOLE   0 0 35,181
WAL-MART STORES INC COM 931142103   222,463 1,391 SH   SOLE   0 0 1,391
VISA INC COM 92826C839   661,509 2,876 SH   SOLE   0 0 2,876
VANGUARD TOTAL STOCK MARKET ETF COM 922908769   2,757,931 12,984 SH   SOLE   0 0 12,984
VANGUARD VALUE ETF COM 922908744   3,084,255 22,361 SH   SOLE   0 0 22,361
VANGUARD MID CAP ETF COM 922908629   808,388 3,882 SH   SOLE   0 0 3,882
VANGUARD SMALL CAP VALUE ETF COM 922908611   21,409,190 134,235 SH   SOLE   0 0 134,235
VANGUARD REAL ESTATE ETF COM 922908553   5,107,274 67,503 SH   SOLE   0 0 67,503
VANGUARD MID CAP VALUE ETF COM 922908512   32,457,520 247,843 SH   SOLE   0 0 247,843
VANGUARD S&P 500 ETF COM 922908363   6,529,563 16,627 SH   SOLE   0 0 16,627
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102   3,445,978 59,826 SH   SOLE   0 0 59,826
VANGUARD INFO TECHNOLOGY ETF COM 92204A702   28,373,420 68,386 SH   SOLE   0 0 68,386
VANGUARD HEALTH CARE ETF COM 92204A504   17,042,924 72,492 SH   SOLE   0 0 72,492
VANGUARD CONSUMER STAPLES ETF COM 92204A207   19,376,263 106,072 SH   SOLE   0 0 106,072
VANGUARD FTSE EMERGING MARKET ETF COM 922042858   21,394,431 545,637 SH   SOLE   0 0 545,637
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676   3,776,872 97,017 SH   SOLE   0 0 97,017
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407   27,797,935 581,182 SH   SOLE   0 0 581,182
VANGUARD SHORT INFLATION-PROTECTED ETF COM 922020805   29,296,532 619,639 SH   SOLE   0 0 619,639
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885   14,793,550 250,060 SH   SOLE   0 0 250,060
VANGUARD MSCI EAFE ETF COM 921943858   226,937 5,191 SH   SOLE   0 0 5,191
VANGUARD TOTAL BOND MARKET ETF COM 921937835   1,470,125 21,068 SH   SOLE   0 0 21,068
UNITEDHEALTH GROUP INC COM 91324P102   818,805 1,624 SH   SOLE   0 0 1,624
UNION PACIFIC CORP COM 907818108   512,740 2,518 SH   SOLE   0 0 2,518
TRUIST FINANCIAL CORP COM 89832Q109   1,378,287 48,175 SH   SOLE   0 0 48,175
TEXAS INSTRUMENTS INC COM 882508104   490,228 3,083 SH   SOLE   0 0 3,083
TESLA MOTORS INC COM 88160R101   220,944 883 SH   SOLE   0 0 883
SMITH & NEPHEW ADR NEW COM 83175M205   357,481 14,432 SH   SOLE   0 0 14,432
SCHWAB US TIPS ETF COM 808524870   11,633,249 230,407 SH   SOLE   0 0 230,407
SCHWAB SHORT TERM US TREASURY COM 808524862   15,222,603 317,866 SH   SOLE   0 0 317,866
SCHWAB US REIT ETF COM 808524847   378,519 21,325 SH   SOLE   0 0 21,325
SCHWAB US AGGREGATE BOND ETF COM 808524839   6,189,989 139,950 SH   SOLE   0 0 139,950
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706   7,757,660 324,046 SH   SOLE   0 0 324,046
SCHWAB US LARGE CAP VALUE ETF COM 808524409   554,678 8,605 SH   SOLE   0 0 8,605
SCHWAB US LARGE CAP GROWTH ETF COM 808524300   1,087,019 14,948 SH   SOLE   0 0 14,948
SPDR USA STRATEGIC FACTORS COM 78468R812   7,420,975 61,493 SH   SOLE   0 0 61,493
SPDR S&P BIOTECH ETF COM 78464A870   4,962,585 67,962 SH   SOLE   0 0 67,962
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839   4,899,720 75,543 SH   SOLE   0 0 75,543
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300   2,885,320 39,869 SH   SOLE   0 0 39,869
SPDR S&P 500 ETF COM 78462F103   517,056 1,210 SH   SOLE   0 0 1,210
PROCTER & GAMBLE CO COM 742718109   325,122 2,229 SH   SOLE   0 0 2,229
PEPSICO INC. COM 713448108   205,531 1,213 SH   SOLE   0 0 1,213
NOVO NORDISK A/S ADR COM 670100205   1,591,450 17,500 SH   SOLE   0 0 17,500
NOVARTIS A G SPON ADR COM 66987V109   784,831 7,705 SH   SOLE   0 0 7,705
NORFOLK SOUTHERN CORP COM 655844108   772,163 3,921 SH   SOLE   0 0 3,921
NERDY INC COM 64081V109   92,500 25,000 SH   SOLE   0 0 25,000
NATL BANKSHARES INC COM 634865109   380,783 15,207 SH   SOLE   0 0 15,207
N V R INC COM 62944T105   351,835 59 SH   SOLE   0 0 59
MICROSOFT COM 594918104   1,707,937 5,409 SH   SOLE   0 0 5,409
MCKESSON HBOC INC COM 58155Q103   315,729 726 SH   SOLE   0 0 726
MC DONALDS CORP COM 580135101   547,763 2,079 SH   SOLE   0 0 2,079
LOCKHEED MARTIN CORP COM 539830109   340,255 832 SH   SOLE   0 0 832
JOHNSON & JOHNSON COM 478160104   549,174 3,526 SH   SOLE   0 0 3,526
JP MORGAN CHASE & CO COM 46625H100   356,749 2,460 SH   SOLE   0 0 2,460
ISHARES MSCI DENMARK ETF COM 46429B523   7,107,062 70,710 SH   SOLE   0 0 70,710
ISHARES MSCI FINLAND ETF COM 46429B515   7,601,131 233,357 SH   SOLE   0 0 233,357
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507   7,875,791 145,767 SH   SOLE   0 0 145,767
ISHARES MSCI NEW ZEALAND COM 464289123   8,047,831 181,708 SH   SOLE   0 0 181,708
ISHARES RUSSELL 2000 VALUE COM 464287630   335,893 2,478 SH   SOLE   0 0 2,478
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556   384,969 3,148 SH   SOLE   0 0 3,148
ISHARES RUSSELL MIDCAP VALUE COM 464287473   215,879 2,069 SH   SOLE   0 0 2,069
ISHARES S&P GLOBAL HEALTHCARE COM 464287325   2,034,043 24,679 SH   SOLE   0 0 24,679
ISHARES GLOBAL TECHNOLOGY COM 464287291   2,451,780 42,389 SH   SOLE   0 0 42,389
ISHARES MSCI NETHERLANDS COM 464286814   6,592,820 173,404 SH   SOLE   0 0 173,404
ISHARES MSCI SWEDEN COM 464286756   7,934,593 240,661 SH   SOLE   0 0 240,661
ISHARES MSCI SWITZERLAND COM 464286749   697,338 16,005 SH   SOLE   0 0 16,005
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640   2,327,112 88,855 SH   SOLE   0 0 88,855
ISHARES MSCI AUSTRIA COM 464286202   7,379,674 375,491 SH   SOLE   0 0 375,491
HONEYWELL INTERNATIONAL COM 438516106   330,869 1,791 SH   SOLE   0 0 1,791
HALEON PLC COM 405552100   154,930 18,599 SH   SOLE   0 0 18,599
GENMAB A/S COM 372303206   580,227 16,451 SH   SOLE   0 0 16,451
GENERAL DYNAMICS CORP COM 369550108   1,001,436 4,532 SH   SOLE   0 0 4,532
GATOS SILVER INC COM 368036109   155,400 30,000 SH   SOLE   0 0 30,000
GMS INC COM 36251C103   691,452 10,809 SH   SOLE   0 0 10,809
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843   6,640,334 262,357 SH   SOLE   0 0 262,357
FRANKLIN FTSE SOUTH KOREA ETF COM 35473P710   2,613,850 128,561 SH   SOLE   0 0 128,561
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694   7,169,564 239,824 SH   SOLE   0 0 239,824
FRANKLIN FTSE TAIWAN ETF COM 35473P686   6,409,763 175,947 SH   SOLE   0 0 175,947
FRANKLIN FTSE UNITED KINGDOM ETF COM 35473P678   296,066 12,382 SH   SOLE   0 0 12,382
FISERV INC COM 337738108   361,472 3,200 SH   SOLE   0 0 3,200
FIDELITY MSCI REAL ESTATE ETF COM 316092857   1,917,786 84,298 SH   SOLE   0 0 84,298
FIDELITY MSCI INFORMATION TECHNOLOGY ETF COM 316092808   589,572 4,796 SH   SOLE   0 0 4,796
FIDELITY MSCI HEALTH ETF COM 316092600   1,017,744 16,800 SH   SOLE   0 0 16,800
FIDELITY MSCI CONSUMER STAPLES ETF COM 316092303   1,402,159 32,930 SH   SOLE   0 0 32,930
META PLATFORMS INC COM 30303M102   1,458,420 4,858 SH   SOLE   0 0 4,858
EXXON MOBIL CORPORATION COM 30231G102   701,722 5,968 SH   SOLE   0 0 5,968
DISNEY WALT COMPANY DEL COM 254687106   323,123 3,987 SH   SOLE   0 0 3,987
DIMENSIONAL US CORE EQUITY 2 ETF COM 25434V708   266,690 10,179 SH   SOLE   0 0 10,179
DEERE & CO COM 244199105   313,225 830 SH   SOLE   0 0 830
COLUMBIA EMRG MKTS CORE EX-CHINA ETF COM 19762B202   11,014,449 401,694 SH   SOLE   0 0 401,694
COEUR D ALENE MINES CORP COM 192108504   22,200 10,000 SH   SOLE   0 0 10,000
COCA COLA CO COM 191216100   416,662 7,443 SH   SOLE   0 0 7,443
CHEVRONTEXACO CORP COM 166764100   293,230 1,739 SH   SOLE   0 0 1,739
CHENIERE ENERGY INC COM 16411R208   248,940 1,500 SH   SOLE   0 0 1,500
CATERPILLER INC COM 149123101   325,460 1,192 SH   SOLE   0 0 1,192
CANOPY GROWTH CORP COM 138035100   17,111 21,859 SH   SOLE   0 0 21,859
BERKSHIRE HATHAWAY CL B COM 084670702   411,953 1,176 SH   SOLE   0 0 1,176
BAUSCH HEALTH COS INC COM 071734107   162,715 19,795 SH   SOLE   0 0 19,795
AUTO DATA PROCESSING COM 053015103   335,609 1,395 SH   SOLE   0 0 1,395
ASTRAZENECA PLC ADR COM 046353108   890,924 13,156 SH   SOLE   0 0 13,156
APPLE COMPUTER INC COM 037833100   1,619,083 9,457 SH   SOLE   0 0 9,457
ELEVANCE HEALTH INC COM 036752103   307,842 707 SH   SOLE   0 0 707
AMAZON COM INC COM 023135106   1,330,311 10,465 SH   SOLE   0 0 10,465
ALPHABET INC CLASS A COM 02079K305   313,933 2,399 SH   SOLE   0 0 2,399
ALPHABET INC CLASS C COM 02079K107   351,644 2,667 SH   SOLE   0 0 2,667
ABBVIE INC COM 00287Y109   276,059 1,852 SH   SOLE   0 0 1,852