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 | 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 |