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 444,185 6,860 SH SOLE 0 0 6,860
ACCENTURE PLC CL A COM G1151C101 283,857 1,548 SH SOLE 0 0 1,548
WESTERN DIGITAL CORP COM 958102105 454,460 1,000 SH SOLE 0 0 1,000
WELLS FARGO CO COM 949746101 2,805,672 35,049 SH SOLE 0 0 35,049
WAL-MART STORES INC COM 931142103 227,307 2,187 SH SOLE 0 0 2,187
VANGUARD TOTAL STOCK MARKET ETF COM 922908769 3,437,020 9,184 SH SOLE 0 0 9,184
VANGUARD VALUE ETF COM 922908744 2,454,453 11,359 SH SOLE 0 0 11,359
VANGUARD MID CAP ETF COM 922908629 627,674 8,004 SH SOLE 0 0 8,004
VANGUARD SMALL CAP VALUE ETF COM 922908611 34,293,400 148,437 SH SOLE 0 0 148,437
VANGUARD REAL ESTATE ETF COM 922908553 3,977,596 44,378 SH SOLE 0 0 44,378
VANGUARD MID CAP VALUE ETF COM 922908512 42,429,423 216,997 SH SOLE 0 0 216,997
VANGUARD S&P 500 ETF COM 922908363 6,065,036 8,654 SH SOLE 0 0 8,654
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102 7,689,268 133,587 SH SOLE 0 0 133,587
VANGUARD INFO TECHNOLOGY ETF COM 92204A702 33,358,347 265,444 SH SOLE 0 0 265,444
VANGUARD HEALTH CARE ETF COM 92204A504 12,979,825 41,065 SH SOLE 0 0 41,065
VANGUARD CONSUMER STAPLES ETF COM 92204A207 12,954,255 59,366 SH SOLE 0 0 59,366
VANGUARD FTSE EMERGING MARKET ETF COM 922042858 20,247,514 341,384 SH SOLE 0 0 341,384
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676 5,307,746 124,829 SH SOLE 0 0 124,829
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407 30,509,543 650,940 SH SOLE 0 0 650,940
VANGUARD SHORT INFLATION-PROTECTED ETF COM 922020805 32,447,574 659,236 SH SOLE 0 0 659,236
VANGUARD TOTAL INFLATION-PROTECTED SEC ETF COM 922020698 427,591 5,843 SH SOLE 0 0 5,843
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885 16,704,393 264,603 SH SOLE 0 0 264,603
VANGUARD DEVELOPED MARKETS IDX ETF COM 921943858 214,019 3,031 SH SOLE 0 0 3,031
VANGUARD TOTAL BOND MARKET ETF COM 921937835 3,272,683 46,653 SH SOLE 0 0 46,653
VANGUARD EMRG MKTS EX-CHINA ETF COM 921910683 7,634,128 80,182 SH SOLE 0 0 80,182
VF CORPORATION COM 918204108 208,763 14,848 SH SOLE 0 0 14,848
UNITEDHEALTH GROUP INC COM 91324P102 302,841 825 SH SOLE 0 0 825
UNION PACIFIC CORP COM 907818108 273,219 1,004 SH SOLE 0 0 1,004
TRUIST FINANCIAL CORP COM 89832Q109 1,264,817 27,318 SH SOLE 0 0 27,318
SMITH & NEPHEW ADR NEW COM 83175M205 245,336 9,100 SH SOLE 0 0 9,100
SCHWAB US TIPS ETF COM 808524870 13,061,041 519,739 SH SOLE 0 0 519,739
SCHWAB SHORT TERM US TREASURY COM 808524862 12,568,350 526,754 SH SOLE 0 0 526,754
SCHWAB US AGGREGATE BOND ETF COM 808524839 5,490,251 248,428 SH SOLE 0 0 248,428
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706 4,627,400 126,952 SH SOLE 0 0 126,952
SCHWAB US LARGE CAP VALUE ETF COM 808524409 208,021 6,245 SH SOLE 0 0 6,245
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 1,193,954 33,230 SH SOLE 0 0 33,230
SPDR USA STRATEGIC FACTORS COM 78468R812 17,720,533 93,212 SH SOLE 0 0 93,212
SPDR S&P BIOTECH ETF COM 78464A870 9,126,676 57,881 SH SOLE 0 0 57,881
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839 3,414,716 38,580 SH SOLE 0 0 38,580
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300 2,782,872 27,243 SH SOLE 0 0 27,243
SPDR S&P 500 ETF COM 78462F103 845,068 1,108 SH SOLE 0 0 1,108
NOVO NORDISK A/S ADR COM 670100205 504,203 13,300 SH SOLE 0 0 13,300
NOVARTIS A G SPON ADR COM 66987V109 900,757 6,318 SH SOLE 0 0 6,318
NORFOLK SOUTHERN CORP COM 655844108 301,140 975 SH SOLE 0 0 975
NATL BANKSHARES INC COM 634865109 269,146 6,422 SH SOLE 0 0 6,422
N V R INC COM 62944T105 350,800 57 SH SOLE 0 0 57
MICROSOFT COM 594918104 1,889,242 3,683 SH SOLE 0 0 3,683
MCKESSON HBOC INC COM 58155Q103 271,566 318 SH SOLE 0 0 318
LOCKHEED MARTIN CORP COM 539830109 381,938 750 SH SOLE 0 0 750
JOHNSON & JOHNSON COM 478160104 253,073 956 SH SOLE 0 0 956
JP MORGAN CHASE & CO COM 46625H100 465,147 1,406 SH SOLE 0 0 1,406
ISHARES 0-5 YEAR TIPS BOND ETF COM 46429B747 1,698,190 17,033 SH SOLE 0 0 17,033
ISHARES MSCI DENMARK ETF COM 46429B523 12,023,359 110,049 SH SOLE 0 0 110,049
ISHARES MSCI FINLAND ETF COM 46429B515 11,581,889 217,174 SH SOLE 0 0 217,174
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507 12,960,830 158,094 SH SOLE 0 0 158,094
ISHARES MSCI NEW ZEALAND COM 464289123 7,755,598 172,060 SH SOLE 0 0 172,060
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 553,273 2,628 SH SOLE 0 0 2,628
ISHARES S&P GLOBAL HEALTHCARE COM 464287325 1,929,149 18,891 SH SOLE 0 0 18,891
ISHARES GLOBAL TECHNOLOGY COM 464287291 3,350,238 22,603 SH SOLE 0 0 22,603
ISHARES MSCI NETHERLANDS COM 464286814 10,807,548 159,521 SH SOLE 0 0 159,521
ISHARES MSCI SWEDEN COM 464286756 10,537,892 210,800 SH SOLE 0 0 210,800
ISHARES MSCI SWITZERLAND COM 464286749 508,986 8,605 SH SOLE 0 0 8,605
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640 2,161,560 57,169 SH SOLE 0 0 57,169
ISHARES MSCI AUSTRIA COM 464286202 10,615,273 249,419 SH SOLE 0 0 249,419
INTL BUSINESS MACHINES COM 459200101 307,640 1,399 SH SOLE 0 0 1,399
HALEON PLC COM 405552100 98,676 10,964 SH SOLE 0 0 10,964
GENMAB A/S COM 372303206 404,983 11,352 SH SOLE 0 0 11,352
GENERAL DYNAMICS CORP COM 369550108 2,811,927 8,474 SH SOLE 0 0 8,474
GE VERNOVA INC COM 36828A101 376,394 396 SH SOLE 0 0 396
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843 924,873 27,291 SH SOLE 0 0 27,291
FRANKLIN FTSE GERMANY ETF COM 35473P785 7,828,576 243,566 SH SOLE 0 0 243,566
FRANKLIN FTSE MEXICO ETF COM 35473P736 1,699,275 49,112 SH SOLE 0 0 49,112
FRANKLIN FTSE SOUTH KOREA ETF COM 35473P710 4,104,895 68,267 SH SOLE 0 0 68,267
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694 10,568,309 259,165 SH SOLE 0 0 259,165
FRANKLIN FTSE TAIWAN ETF COM 35473P686 4,170,510 38,174 SH SOLE 0 0 38,174
FIRST MAJESTIC SILVER COM 32076V103 832,049 47,035 SH SOLE 0 0 47,035
FIDELITY MSCI UTILITIES INDEX ETF COM 316092865 211,500 4,143 SH SOLE 0 0 4,143
FIDELITY MSCI REAL ESTATE ETF COM 316092857 7,555,645 277,985 SH SOLE 0 0 277,985
FIDELITY MSCI INFORMATION TECHNOLOGY ETF COM 316092808 22,708,241 75,679 SH SOLE 0 0 75,679
FIDELITY MSCI HEALTH ETF COM 316092600 15,502,738 189,752 SH SOLE 0 0 189,752
FIDELITY MSCI CONSUMER STAPLES ETF COM 316092303 13,166,289 258,975 SH SOLE 0 0 258,975
EXXON MOBIL CORPORATION COM 30231G102 570,276 3,504 SH SOLE 0 0 3,504
DUKE ENERGY CORP COM 26441C204 372,363 3,266 SH SOLE 0 0 3,266
DISNEY WALT COMPANY DEL COM 254687106 308,627 2,942 SH SOLE 0 0 2,942
DIMENSIONAL US CORE EQUITY 2 ETF COM 25434V708 452,768 10,186 SH SOLE 0 0 10,186
DEERE & CO COM 244199105 537,240 800 SH SOLE 0 0 800
COLUMBIA EMRG MKTS CORE EX-CHINA ETF COM 19762B202 40,074,455 779,507 SH SOLE 0 0 779,507
COEUR D ALENE MINES CORP COM 192108504 176,000 10,000 SH SOLE 0 0 10,000
COCA COLA CO COM 191216100 477,486 5,547 SH SOLE 0 0 5,547
CISCO SYSTEMS INC COM 17275R102 373,882 3,474 SH SOLE 0 0 3,474
CHEVRONTEXACO CORP COM 166764100 357,368 1,750 SH SOLE 0 0 1,750
CATERPILLER INC COM 149123101 398,098 491 SH SOLE 0 0 491
BROADCOM INC COM 11135F101 261,659 745 SH SOLE 0 0 745
BERKSHIRE HATHAWAY CL B COM 084670702 371,969 747 SH SOLE 0 0 747
BAUSCH HEALTH COS INC COM 071734107 71,132 12,201 SH SOLE 0 0 12,201
BANK OF AMERICA CORP COM 060505104 277,539 5,099 SH SOLE 0 0 5,099
APPLE COMPUTER INC COM 037833100 2,140,403 6,427 SH SOLE 0 0 6,427
AMAZON COM INC COM 023135106 280,792 1,127 SH SOLE 0 0 1,127
ALPHABET INC CLASS A COM 02079K305 649,329 1,887 SH SOLE 0 0 1,887
ALPHABET INC CLASS C COM 02079K107 592,206 1,738 SH SOLE 0 0 1,738
ABBVIE INC COM 00287Y109 277,285 1,060 SH SOLE 0 0 1,060