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 | 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 |