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
Expires: July 31, 2015
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 467,606 6,998 SH SOLE 0 0 6,998
ACCENTURE PLC CL A COM G1151C101 202,989 1,548 SH SOLE 0 0 1,548
WESTERN DIGITAL CORP COM 958102105 598,370 1,000 SH SOLE 0 0 1,000
WELLS FARGO CO COM 949746101 3,019,158 35,131 SH SOLE 0 0 35,131
WAL-MART STORES INC COM 931142103 252,045 2,316 SH SOLE 0 0 2,316
VANGUARD TOTAL STOCK MARKET ETF COM 922908769 3,427,564 9,282 SH SOLE 0 0 9,282
VANGUARD VALUE ETF COM 922908744 2,597,039 11,947 SH SOLE 0 0 11,947
VANGUARD MID CAP ETF COM 922908629 640,949 7,972 SH SOLE 0 0 7,972
VANGUARD SMALL CAP VALUE ETF COM 922908611 35,878,428 147,806 SH SOLE 0 0 147,806
VANGUARD REAL ESTATE ETF COM 922908553 4,253,008 43,927 SH SOLE 0 0 43,927
VANGUARD MID CAP VALUE ETF COM 922908512 42,822,793 216,004 SH SOLE 0 0 216,004
VANGUARD S&P 500 ETF COM 922908363 6,434,896 9,388 SH SOLE 0 0 9,388
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102 7,183,108 123,804 SH SOLE 0 0 123,804
VANGUARD INFO TECHNOLOGY ETF COM 92204A702 34,823,366 297,077 SH SOLE 0 0 297,077
VANGUARD HEALTH CARE ETF COM 92204A504 15,222,805 50,601 SH SOLE 0 0 50,601
VANGUARD CONSUMER STAPLES ETF COM 92204A207 14,110,803 62,451 SH SOLE 0 0 62,451
VANGUARD FTSE EMERGING MARKET ETF COM 922042858 19,993,056 337,606 SH SOLE 0 0 337,606
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676 5,264,709 117,463 SH SOLE 0 0 117,463
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407 30,753,622 637,117 SH SOLE 0 0 637,117
VANGUARD SHORT INFLATION-PROTECTED ETF COM 922020805 33,038,087 667,167 SH SOLE 0 0 667,167
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885 17,592,567 263,086 SH SOLE 0 0 263,086
VANGUARD DEVELOPED MARKETS IDX ETF COM 921943858 213,261 3,031 SH SOLE 0 0 3,031
VANGUARD TOTAL BOND MARKET ETF COM 921937835 2,994,923 40,993 SH SOLE 0 0 40,993
VANGUARD EMRG MKTS EX-CHINA ETF COM 921910683 3,969,544 41,864 SH SOLE 0 0 41,864
VF CORPORATION COM 918204108 249,892 14,848 SH SOLE 0 0 14,848
UNITEDHEALTH GROUP INC COM 91324P102 360,853 846 SH SOLE 0 0 846
UNION PACIFIC CORP COM 907818108 278,841 1,004 SH SOLE 0 0 1,004
TRUIST FINANCIAL CORP COM 89832Q109 1,390,206 27,318 SH SOLE 0 0 27,318
SMITH & NEPHEW ADR NEW COM 83175M205 265,178 9,230 SH SOLE 0 0 9,230
SCHWAB US TIPS ETF COM 808524870 14,021,895 534,371 SH SOLE 0 0 534,371
SCHWAB SHORT TERM US TREASURY COM 808524862 13,429,953 558,418 SH SOLE 0 0 558,418
SCHWAB US AGGREGATE BOND ETF COM 808524839 6,177,960 268,141 SH SOLE 0 0 268,141
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706 4,636,664 128,832 SH SOLE 0 0 128,832
SCHWAB US LARGE CAP VALUE ETF COM 808524409 216,915 6,302 SH SOLE 0 0 6,302
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 1,133,475 33,230 SH SOLE 0 0 33,230
SPDR USA STRATEGIC FACTORS COM 78468R812 15,914,802 84,965 SH SOLE 0 0 84,965
SPDR S&P BIOTECH ETF COM 78464A870 10,459,106 66,810 SH SOLE 0 0 66,810
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839 3,836,307 40,669 SH SOLE 0 0 40,669
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300 3,249,471 29,850 SH SOLE 0 0 29,850
SPDR S&P 500 ETF COM 78462F103 820,304 1,100 SH SOLE 0 0 1,100
NOVO NORDISK A/S ADR COM 670100205 659,956 13,532 SH SOLE 0 0 13,532
NOVARTIS A G SPON ADR COM 66987V109 978,943 6,351 SH SOLE 0 0 6,351
NORFOLK SOUTHERN CORP COM 655844108 310,876 975 SH SOLE 0 0 975
NATL BANKSHARES INC COM 634865109 239,027 6,422 SH SOLE 0 0 6,422
N V R INC COM 62944T105 378,693 57 SH SOLE 0 0 57
MICROSOFT COM 594918104 1,548,778 4,030 SH SOLE 0 0 4,030
MCKESSON HBOC INC COM 58155Q103 305,737 398 SH SOLE 0 0 398
LOCKHEED MARTIN CORP COM 539830109 391,365 750 SH SOLE 0 0 750
JOHNSON & JOHNSON COM 478160104 275,550 1,085 SH SOLE 0 0 1,085
JP MORGAN CHASE & CO COM 46625H100 469,702 1,406 SH SOLE 0 0 1,406
ISHARES 0-5 YEAR TIPS BOND ETF COM 46429B747 1,447,069 14,309 SH SOLE 0 0 14,309
ISHARES MSCI DENMARK ETF COM 46429B523 11,972,029 107,548 SH SOLE 0 0 107,548
ISHARES MSCI FINLAND ETF COM 46429B515 11,220,782 213,811 SH SOLE 0 0 213,811
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507 12,988,211 165,476 SH SOLE 0 0 165,476
ISHARES MSCI NEW ZEALAND COM 464289123 8,763,312 195,937 SH SOLE 0 0 195,937
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 503,627 2,649 SH SOLE 0 0 2,649
ISHARES S&P GLOBAL HEALTHCARE COM 464287325 1,863,597 18,891 SH SOLE 0 0 18,891
ISHARES GLOBAL TECHNOLOGY COM 464287291 3,183,444 22,755 SH SOLE 0 0 22,755
ISHARES MSCI NETHERLANDS COM 464286814 11,241,975 164,597 SH SOLE 0 0 164,597
ISHARES MSCI SWEDEN COM 464286756 10,581,354 213,076 SH SOLE 0 0 213,076
ISHARES MSCI SWITZERLAND COM 464286749 537,813 8,605 SH SOLE 0 0 8,605
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640 2,372,893 60,241 SH SOLE 0 0 60,241
ISHARES MSCI AUSTRIA COM 464286202 11,044,991 264,424 SH SOLE 0 0 264,424
INTL BUSINESS MACHINES COM 459200101 442,774 1,547 SH SOLE 0 0 1,547
HALEON PLC COM 405552100 106,135 11,291 SH SOLE 0 0 11,291
GENMAB A/S COM 372303206 315,842 11,427 SH SOLE 0 0 11,427
GENERAL DYNAMICS CORP COM 369550108 3,113,702 8,581 SH SOLE 0 0 8,581
GE VERNOVA INC COM 36828A101 449,203 396 SH SOLE 0 0 396
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843 905,668 27,291 SH SOLE 0 0 27,291
FRANKLIN FTSE GERMANY ETF COM 35473P785 7,648,531 238,131 SH SOLE 0 0 238,131
FRANKLIN FTSE MEXICO ETF COM 35473P736 1,770,013 48,267 SH SOLE 0 0 48,267
FRANKLIN FTSE SOUTH KOREA ETF COM 35473P710 4,019,144 65,769 SH SOLE 0 0 65,769
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694 11,126,323 257,586 SH SOLE 0 0 257,586
FRANKLIN FTSE TAIWAN ETF COM 35473P686 4,310,898 42,243 SH SOLE 0 0 42,243
FIRST MAJESTIC SILVER COM 32076V103 836,442 49,087 SH SOLE 0 0 49,087
FIDELITY MSCI UTILITIES INDEX ETF COM 316092865 239,175 4,143 SH SOLE 0 0 4,143
FIDELITY MSCI REAL ESTATE ETF COM 316092857 7,995,771 271,595 SH SOLE 0 0 271,595
FIDELITY MSCI INFORMATION TECHNOLOGY ETF COM 316092808 20,210,356 72,185 SH SOLE 0 0 72,185
FIDELITY MSCI HEALTH ETF COM 316092600 15,869,215 204,237 SH SOLE 0 0 204,237
FIDELITY MSCI CONSUMER STAPLES ETF COM 316092303 11,605,931 220,729 SH SOLE 0 0 220,729
META PLATFORMS INC COM 30303M102 1,566,600 2,556 SH SOLE 0 0 2,556
EXXON MOBIL CORPORATION COM 30231G102 477,525 3,504 SH SOLE 0 0 3,504
DUKE ENERGY CORP COM 26441C204 435,780 3,465 SH SOLE 0 0 3,465
DOMINION RES INC VA NEW COM 25746U109 222,902 3,288 SH SOLE 0 0 3,288
DISNEY WALT COMPANY DEL COM 254687106 296,011 3,093 SH SOLE 0 0 3,093
DIMENSIONAL US CORE EQUITY 2 ETF COM 25434V708 451,404 10,192 SH SOLE 0 0 10,192
DEERE & CO COM 244199105 502,104 800 SH SOLE 0 0 800
CURTISS WRIGHT CORP COM 231561101 265,216 350 SH SOLE 0 0 350
COLUMBIA EMRG MKTS CORE EX-CHINA ETF COM 19762B202 41,866,784 818,670 SH SOLE 0 0 818,670
COEUR D ALENE MINES CORP COM 192108504 165,400 10,000 SH SOLE 0 0 10,000
COCA COLA CO COM 191216100 482,375 5,934 SH SOLE 0 0 5,934
CISCO SYSTEMS INC COM 17275R102 400,615 3,424 SH SOLE 0 0 3,424
CHEVRONTEXACO CORP COM 166764100 289,958 1,750 SH SOLE 0 0 1,750
CATERPILLER INC COM 149123101 486,782 491 SH SOLE 0 0 491
BROADCOM INC COM 11135F101 275,180 745 SH SOLE 0 0 745
BERKSHIRE HATHAWAY CL B COM 084670702 376,304 753 SH SOLE 0 0 753
BAUSCH HEALTH COS INC COM 071734107 59,014 12,372 SH SOLE 0 0 12,372
BANK OF AMERICA CORP COM 060505104 288,882 4,950 SH SOLE 0 0 4,950
APPLE COMPUTER INC COM 037833100 1,874,658 6,368 SH SOLE 0 0 6,368
AMAZON COM INC COM 023135106 2,128,894 8,808 SH SOLE 0 0 8,808
ALPHABET INC CLASS A COM 02079K305 689,119 1,908 SH SOLE 0 0 1,908
ALPHABET INC CLASS C COM 02079K107 622,013 1,738 SH SOLE 0 0 1,738
ABBVIE INC COM 00287Y109 266,124 1,060 SH SOLE 0 0 1,060