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 | 724,997 | 9,139 | SH | | SOLE | | 0 | 0 | 9,139 |
ACCENTURE PLC CL A | COM | G1151C101 | 827,562 | 2,454 | SH | | SOLE | | 0 | 0 | 2,454 |
WELLS FARGO CO | COM | 949746101 | 1,736,273 | 35,829 | SH | | SOLE | | 0 | 0 | 35,829 |
VISA INC | COM | 92826C839 | 653,334 | 2,946 | SH | | SOLE | | 0 | 0 | 2,946 |
VERIZON COMMUNICATIONS | COM | 92343V104 | 313,841 | 6,161 | SH | | SOLE | | 0 | 0 | 6,161 |
VANGUARD TOTAL STOCK MARKET ETF | COM | 922908769 | 3,100,410 | 13,618 | SH | | SOLE | | 0 | 0 | 13,618 |
VANGUARD VALUE ETF | COM | 922908744 | 1,018,898 | 6,895 | SH | | SOLE | | 0 | 0 | 6,895 |
VANGUARD MID CAP ETF | COM | 922908629 | 932,979 | 3,923 | SH | | SOLE | | 0 | 0 | 3,923 |
VANGUARD SMALL CAP VALUE ETF | COM | 922908611 | 16,822,855 | 95,617 | SH | | SOLE | | 0 | 0 | 95,617 |
VANGUARD REIT INDEX ETF | COM | 922908553 | 6,599,373 | 60,897 | SH | | SOLE | | 0 | 0 | 60,897 |
VANGUARD MID CAP VALUE ETF | COM | 922908512 | 32,095,983 | 214,445 | SH | | SOLE | | 0 | 0 | 214,445 |
VANGUARD S&P 500 ETF | COM | 922908363 | 8,087,266 | 19,479 | SH | | SOLE | | 0 | 0 | 19,479 |
VANGUARD SHORT GOVT BOND IDX ETF | COM | 92206C102 | 1,560,731 | 26,337 | SH | | SOLE | | 0 | 0 | 26,337 |
VANGUARD INFO TECHNOLOGY ETF | COM | 92204A702 | 27,757,559 | 66,648 | SH | | SOLE | | 0 | 0 | 66,648 |
VANGUARD HEALTH CARE ETF | COM | 92204A504 | 18,880,592 | 74,222 | SH | | SOLE | | 0 | 0 | 74,222 |
VANGUARD CONSUMER STAPLES ETF | COM | 92204A207 | 19,536,929 | 99,724 | SH | | SOLE | | 0 | 0 | 99,724 |
VANGUARD FTSE EMERGING MARKET ETF | COM | 922042858 | 28,515,095 | 618,146 | SH | | SOLE | | 0 | 0 | 618,146 |
VANGUARD GLOBAL EX-US REAL ESTATE ETF | COM | 922042676 | 5,703,487 | 109,788 | SH | | SOLE | | 0 | 0 | 109,788 |
VANGUARD TOTAL INTERNATIONAL BOND ETF | COM | 92203J407 | 25,973,532 | 495,300 | SH | | SOLE | | 0 | 0 | 495,300 |
VANGUARD SHORT INFLATION-PROTECTED ETF | COM | 922020805 | 28,536,016 | 557,235 | SH | | SOLE | | 0 | 0 | 557,235 |
VANGUARD EMERGING MARKET GOVT BOND ETF | COM | 921946885 | 15,925,216 | 227,959 | SH | | SOLE | | 0 | 0 | 227,959 |
VANGUARD MSCI EAFE ETF | COM | 921943858 | 292,839 | 6,097 | SH | | SOLE | | 0 | 0 | 6,097 |
UNITEDHEALTH GROUP INC | COM | 91324P102 | 860,829 | 1,688 | SH | | SOLE | | 0 | 0 | 1,688 |
UNION PACIFIC CORP | COM | 907818108 | 713,898 | 2,613 | SH | | SOLE | | 0 | 0 | 2,613 |
TRUIST FINANCIAL CORP | COM | 89832Q109 | 3,612,641 | 63,715 | SH | | SOLE | | 0 | 0 | 63,715 |
TEXAS INSTRUMENTS INC | COM | 882508104 | 629,887 | 3,433 | SH | | SOLE | | 0 | 0 | 3,433 |
TESLA MOTORS INC | COM | 88160R101 | 306,038 | 284 | SH | | SOLE | | 0 | 0 | 284 |
SMITH & NEPHEW ADR NEW | COM | 83175M205 | 504,339 | 15,810 | SH | | SOLE | | 0 | 0 | 15,810 |
SCHWAB US TIPS ETF | COM | 808524870 | 13,782,384 | 227,020 | SH | | SOLE | | 0 | 0 | 227,020 |
SCHWAB SHORT TERM US TREASURY | COM | 808524862 | 16,222,765 | 327,468 | SH | | SOLE | | 0 | 0 | 327,468 |
SCHWAB US REIT ETF | COM | 808524847 | 768,753 | 30,886 | SH | | SOLE | | 0 | 0 | 30,886 |
SCHWAB US AGGREGATE BOND ETF | COM | 808524839 | 8,606,003 | 170,180 | SH | | SOLE | | 0 | 0 | 170,180 |
SCHWAB EMERGING MARKET EQUITY ETF | COM | 808524706 | 10,371,425 | 373,476 | SH | | SOLE | | 0 | 0 | 373,476 |
SCHWAB US LARGE CAP VALUE ETF | COM | 808524409 | 852,896 | 11,947 | SH | | SOLE | | 0 | 0 | 11,947 |
SCHWAB US LARGE CAP GROWTH ETF | COM | 808524300 | 1,619,853 | 21,650 | SH | | SOLE | | 0 | 0 | 21,650 |
SPDR USA STRATEGIC FACTORS | COM | 78468R812 | 5,492,493 | 44,081 | SH | | SOLE | | 0 | 0 | 44,081 |
SPDR S&P BIOTECH ETF | COM | 78464A870 | 3,904,387 | 43,440 | SH | | SOLE | | 0 | 0 | 43,440 |
SPDR S&P 400 MID CAP VALUE ETF | COM | 78464A839 | 5,920,436 | 84,121 | SH | | SOLE | | 0 | 0 | 84,121 |
SPDR S&P 600 SMALL CAP VALUE ETF | COM | 78464A300 | 3,611,439 | 43,339 | SH | | SOLE | | 0 | 0 | 43,339 |
SPDR S&P 500 ETF | COM | 78462F103 | 646,748 | 1,432 | SH | | SOLE | | 0 | 0 | 1,432 |
REGIS CORP MINN | COM | 758932107 | 169,600 | 80,000 | SH | | SOLE | | 0 | 0 | 80,000 |
PROCTER & GAMBLE CO | COM | 742718109 | 378,827 | 2,479 | SH | | SOLE | | 0 | 0 | 2,479 |
PFIZER INCORPORATED | COM | 717081103 | 240,575 | 4,647 | SH | | SOLE | | 0 | 0 | 4,647 |
PEPSICO INC. | COM | 713448108 | 213,744 | 1,277 | SH | | SOLE | | 0 | 0 | 1,277 |
NOVO NORDISK A/S ADR | COM | 670100205 | 1,075,741 | 9,687 | SH | | SOLE | | 0 | 0 | 9,687 |
NOVARTIS A G SPON ADR | COM | 66987V109 | 711,565 | 8,109 | SH | | SOLE | | 0 | 0 | 8,109 |
NORFOLK SOUTHERN CORP | COM | 655844108 | 1,118,348 | 3,921 | SH | | SOLE | | 0 | 0 | 3,921 |
NIKE INC B | COM | 654106103 | 214,758 | 1,596 | SH | | SOLE | | 0 | 0 | 1,596 |
NERDY INC | COM | 64081V109 | 203,600 | 40,000 | SH | | SOLE | | 0 | 0 | 40,000 |
NATL BANKSHARES INC | COM | 634865109 | 565,548 | 15,207 | SH | | SOLE | | 0 | 0 | 15,207 |
N V R INC | COM | 62944T105 | 263,569 | 59 | SH | | SOLE | | 0 | 0 | 59 |
MICROSOFT | COM | 594918104 | 1,373,844 | 5,656 | SH | | SOLE | | 0 | 0 | 5,656 |
MCKESSON HBOC INC | COM | 58155Q103 | 222,270 | 726 | SH | | SOLE | | 0 | 0 | 726 |
MC DONALDS CORP | COM | 580135101 | 559,909 | 2,264 | SH | | SOLE | | 0 | 0 | 2,264 |
LOCKHEED MARTIN CORP | COM | 539830109 | 348,265 | 789 | SH | | SOLE | | 0 | 0 | 789 |
JOHNSON & JOHNSON | COM | 478160104 | 722,921 | 4,079 | SH | | SOLE | | 0 | 0 | 4,079 |
JP MORGAN CHASE & CO | COM | 46625H100 | 385,104 | 2,825 | SH | | SOLE | | 0 | 0 | 2,825 |
ISHARES MSCI DENMARK ETF | COM | 46429B523 | 6,731,832 | 66,743 | SH | | SOLE | | 0 | 0 | 66,743 |
ISHARES MSCI FINLAND ETF | COM | 46429B515 | 4,527,418 | 110,588 | SH | | SOLE | | 0 | 0 | 110,588 |
ISHARES MSCI IRELAND CAPPED ETF | COM | 46429B507 | 7,218,177 | 151,166 | SH | | SOLE | | 0 | 0 | 151,166 |
ISHARES MSCI NEW ZEALAND | COM | 464289123 | 7,872,211 | 143,118 | SH | | SOLE | | 0 | 0 | 143,118 |
ISHARES RUSSELL 2000 VALUE | COM | 464287630 | 422,707 | 2,619 | SH | | SOLE | | 0 | 0 | 2,619 |
ISHARES NASDAQ BIOTECHNOLOGY | COM | 464287556 | 425,299 | 3,264 | SH | | SOLE | | 0 | 0 | 3,264 |
ISHARES RUSSELL MIDCAP VALUE | COM | 464287473 | 265,362 | 2,218 | SH | | SOLE | | 0 | 0 | 2,218 |
ISHARES S&P GLOBAL HEALTHCARE | COM | 464287325 | 2,325,873 | 26,545 | SH | | SOLE | | 0 | 0 | 26,545 |
ISHARES GLOBAL TECHNOLOGY | COM | 464287291 | 2,945,690 | 50,779 | SH | | SOLE | | 0 | 0 | 50,779 |
ISHARES MSCI HONG KONG | COM | 464286871 | 1,156,555 | 51,243 | SH | | SOLE | | 0 | 0 | 51,243 |
ISHARES MSCI NETHERLANDS | COM | 464286814 | 5,007,681 | 118,301 | SH | | SOLE | | 0 | 0 | 118,301 |
ISHARES MSCI SWEDEN | COM | 464286756 | 1,323,503 | 34,067 | SH | | SOLE | | 0 | 0 | 34,067 |
ISHARES MSCI SWITZERLAND | COM | 464286749 | 1,547,288 | 31,513 | SH | | SOLE | | 0 | 0 | 31,513 |
ISHARES MSCI CHILE INVESTABLE MARKET | COM | 464286640 | 4,207,757 | 144,746 | SH | | SOLE | | 0 | 0 | 144,746 |
ISHARES MSCI AUSTRIA | COM | 464286202 | 1,467,720 | 67,950 | SH | | SOLE | | 0 | 0 | 67,950 |
INTL BUSINESS MACHINES | COM | 459200101 | 230,526 | 1,773 | SH | | SOLE | | 0 | 0 | 1,773 |
HONEYWELL INTERNATIONAL | COM | 438516106 | 343,628 | 1,766 | SH | | SOLE | | 0 | 0 | 1,766 |
GLAXOSMITHKLINE PLC ADRF | COM | 37733W105 | 904,044 | 20,754 | SH | | SOLE | | 0 | 0 | 20,754 |
GENMAB A/S | COM | 372303206 | 624,358 | 17,257 | SH | | SOLE | | 0 | 0 | 17,257 |
GENERAL DYNAMICS CORP | COM | 369550108 | 1,224,471 | 5,077 | SH | | SOLE | | 0 | 0 | 5,077 |
GMS INC | COM | 36251C103 | 532,240 | 10,694 | SH | | SOLE | | 0 | 0 | 10,694 |
FRANKLIN FTSE AUSTRALIA ETF | COM | 35473P843 | 7,606,180 | 242,884 | SH | | SOLE | | 0 | 0 | 242,884 |
FRANKLIN FTSE CANADA ETF | COM | 35473P827 | 4,753,635 | 130,810 | SH | | SOLE | | 0 | 0 | 130,810 |
FRANKLIN FTSE HONG KONG ETF | COM | 35473P777 | 857,187 | 36,585 | SH | | SOLE | | 0 | 0 | 36,585 |
FRANKLIN FTSE SOUTH KOREA ETF | COM | 35473P710 | 1,055,097 | 41,622 | SH | | SOLE | | 0 | 0 | 41,622 |
FRANKLIN FTSE SWITZERLAND ETF | COM | 35473P694 | 8,106,609 | 239,920 | SH | | SOLE | | 0 | 0 | 239,920 |
FRANKLIN FTSE TAIWAN ETF | COM | 35473P686 | 6,974,638 | 161,754 | SH | | SOLE | | 0 | 0 | 161,754 |
FRANKLIN FTSE UNITED KINGDOM ETF | COM | 35473P678 | 5,992,016 | 236,745 | SH | | SOLE | | 0 | 0 | 236,745 |
FISERV INC | COM | 337738108 | 324,480 | 3,200 | SH | | SOLE | | 0 | 0 | 3,200 |
EXXON MOBIL CORPORATION | COM | 30231G102 | 538,239 | 6,517 | SH | | SOLE | | 0 | 0 | 6,517 |
ENDEAVOUR SILVER CO | COM | 29258Y103 | 93,000 | 20,000 | SH | | SOLE | | 0 | 0 | 20,000 |
DOMINION RES INC VA NEW | COM | 25746U109 | 399,012 | 4,696 | SH | | SOLE | | 0 | 0 | 4,696 |
DISNEY WALT COMPANY DEL | COM | 254687106 | 574,935 | 4,192 | SH | | SOLE | | 0 | 0 | 4,192 |
DIMENSIONAL US CORE EQUITY 2 ETF | COM | 25434V708 | 280,737 | 10,179 | SH | | SOLE | | 0 | 0 | 10,179 |
DEERE & CO | COM | 244199105 | 345,663 | 832 | SH | | SOLE | | 0 | 0 | 832 |
COGENT COMMUN GROUP NEW | COM | 19239V302 | 228,708 | 3,447 | SH | | SOLE | | 0 | 0 | 3,447 |
COEUR D ALENE MINES CORP | COM | 192108504 | 155,750 | 35,000 | SH | | SOLE | | 0 | 0 | 35,000 |
COCA COLA CO | COM | 191216100 | 392,283 | 6,327 | SH | | SOLE | | 0 | 0 | 6,327 |
CHEVRONTEXACO CORP | COM | 166764100 | 305,306 | 1,875 | SH | | SOLE | | 0 | 0 | 1,875 |
CHENIERE ENERGY INC | COM | 16411R208 | 277,300 | 2,000 | SH | | SOLE | | 0 | 0 | 2,000 |
CEMEX SA ADR NEW | COM | 151290889 | 79,350 | 15,000 | SH | | SOLE | | 0 | 0 | 15,000 |
CATERPILLER INC | COM | 149123101 | 319,114 | 1,432 | SH | | SOLE | | 0 | 0 | 1,432 |
CANOPY GROWTH CORP | COM | 138035100 | 176,296 | 23,258 | SH | | SOLE | | 0 | 0 | 23,258 |
BERKSHIRE HATHAWAY CL B | COM | 084670702 | 447,490 | 1,268 | SH | | SOLE | | 0 | 0 | 1,268 |
BAUSCH HEALTH COS INC | COM | 071734107 | 504,437 | 22,076 | SH | | SOLE | | 0 | 0 | 22,076 |
BANK OF AMERICA CORP | COM | 060505104 | 294,929 | 7,155 | SH | | SOLE | | 0 | 0 | 7,155 |
AUTO DATA PROCESSING | COM | 053015103 | 321,059 | 1,411 | SH | | SOLE | | 0 | 0 | 1,411 |
ASTRAZENECA PLC ADR | COM | 046353108 | 938,114 | 14,141 | SH | | SOLE | | 0 | 0 | 14,141 |
APPLE COMPUTER INC | COM | 037833100 | 1,503,572 | 11,011 | SH | | SOLE | | 0 | 0 | 11,011 |
ANTHEM INC | COM | 036752103 | 324,593 | 661 | SH | | SOLE | | 0 | 0 | 661 |
AMPIO PHARMACEUTICAL | COM | 03209T109 | 11,280 | 24,000 | SH | | SOLE | | 0 | 0 | 24,000 |
AMAZON COM INC | COM | 023135106 | 440,093 | 135 | SH | | SOLE | | 0 | 0 | 135 |
ALPHABET INC CLASS A | COM | 02079K305 | 358,794 | 129 | SH | | SOLE | | 0 | 0 | 129 |
ALPHABET INC CLASS C | COM | 02079K107 | 368,675 | 132 | SH | | SOLE | | 0 | 0 | 132 |
FREEDOM 100 EMERGING MARKETS ETF | COM | 02072L607 | 234,270 | 6,856 | SH | | SOLE | | 0 | 0 | 6,856 |
ACELRX PHARMACEUTICALS | COM | 00444T100 | 3,199 | 11,206 | SH | | SOLE | | 0 | 0 | 11,206 |
ABBVIE INC | COM | 00287Y109 | 261,159 | 1,611 | SH | | SOLE | | 0 | 0 | 1,611 |