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 | 727,288 | 8,732 | SH | | SOLE | | 0 | 0 | 8,732 |
ACCENTURE PLC CL A | COM | G1151C101 | 850,581 | 2,454 | SH | | SOLE | | 0 | 0 | 2,454 |
WELLS FARGO CO | COM | 949746101 | 2,039,091 | 35,181 | SH | | SOLE | | 0 | 0 | 35,181 |
VISA INC | COM | 92826C839 | 699,374 | 2,506 | SH | | SOLE | | 0 | 0 | 2,506 |
VANGUARD TOTAL STOCK MARKET ETF | COM | 922908769 | 4,743,036 | 18,249 | SH | | SOLE | | 0 | 0 | 18,249 |
VANGUARD VALUE ETF | COM | 922908744 | 3,388,631 | 20,807 | SH | | SOLE | | 0 | 0 | 20,807 |
VANGUARD MID CAP ETF | COM | 922908629 | 929,979 | 3,722 | SH | | SOLE | | 0 | 0 | 3,722 |
VANGUARD SMALL CAP VALUE ETF | COM | 922908611 | 26,014,360 | 135,576 | SH | | SOLE | | 0 | 0 | 135,576 |
VANGUARD REAL ESTATE ETF | COM | 922908553 | 5,308,572 | 61,385 | SH | | SOLE | | 0 | 0 | 61,385 |
VANGUARD MID CAP VALUE ETF | COM | 922908512 | 37,572,855 | 240,991 | SH | | SOLE | | 0 | 0 | 240,991 |
VANGUARD S&P 500 ETF | COM | 922908363 | 7,704,589 | 16,028 | SH | | SOLE | | 0 | 0 | 16,028 |
VANGUARD SHORT GOVT BOND IDX ETF | COM | 92206C102 | 3,873,734 | 66,708 | SH | | SOLE | | 0 | 0 | 66,708 |
VANGUARD INFO TECHNOLOGY ETF | COM | 92204A702 | 33,008,930 | 62,953 | SH | | SOLE | | 0 | 0 | 62,953 |
VANGUARD HEALTH CARE ETF | COM | 92204A504 | 19,017,179 | 70,299 | SH | | SOLE | | 0 | 0 | 70,299 |
VANGUARD CONSUMER STAPLES ETF | COM | 92204A207 | 21,303,960 | 104,360 | SH | | SOLE | | 0 | 0 | 104,360 |
VANGUARD FTSE EMERGING MARKET ETF | COM | 922042858 | 20,093,970 | 481,062 | SH | | SOLE | | 0 | 0 | 481,062 |
VANGUARD GLOBAL EX-US REAL ESTATE ETF | COM | 922042676 | 3,959,027 | 93,949 | SH | | SOLE | | 0 | 0 | 93,949 |
VANGUARD TOTAL INTERNATIONAL BOND ETF | COM | 92203J407 | 28,172,739 | 572,733 | SH | | SOLE | | 0 | 0 | 572,733 |
VANGUARD SHORT INFLATION-PROTECTED ETF | COM | 922020805 | 29,932,192 | 625,020 | SH | | SOLE | | 0 | 0 | 625,020 |
VANGUARD EMERGING MARKET GOVT BOND ETF | COM | 921946885 | 15,897,205 | 248,977 | SH | | SOLE | | 0 | 0 | 248,977 |
VANGUARD DEVELOPED MARKETS IDX ETF | COM | 921943858 | 226,359 | 4,512 | SH | | SOLE | | 0 | 0 | 4,512 |
VANGUARD TOTAL BOND MARKET ETF | COM | 921937835 | 1,760,392 | 24,238 | SH | | SOLE | | 0 | 0 | 24,238 |
VF CORPORATION | COM | 918204108 | 228,857 | 14,919 | SH | | SOLE | | 0 | 0 | 14,919 |
UNITEDHEALTH GROUP INC | COM | 91324P102 | 723,251 | 1,462 | SH | | SOLE | | 0 | 0 | 1,462 |
UNION PACIFIC CORP | COM | 907818108 | 460,627 | 1,873 | SH | | SOLE | | 0 | 0 | 1,873 |
TRUIST FINANCIAL CORP | COM | 89832Q109 | 1,637,862 | 42,018 | SH | | SOLE | | 0 | 0 | 42,018 |
TEXAS INSTRUMENTS INC | COM | 882508104 | 529,044 | 3,037 | SH | | SOLE | | 0 | 0 | 3,037 |
SMITH & NEPHEW ADR NEW | COM | 83175M205 | 329,756 | 13,003 | SH | | SOLE | | 0 | 0 | 13,003 |
SCHWAB US TIPS ETF | COM | 808524870 | 12,245,603 | 234,770 | SH | | SOLE | | 0 | 0 | 234,770 |
SCHWAB SHORT TERM US TREASURY | COM | 808524862 | 14,551,029 | 301,826 | SH | | SOLE | | 0 | 0 | 301,826 |
SCHWAB US REIT ETF | COM | 808524847 | 355,006 | 17,488 | SH | | SOLE | | 0 | 0 | 17,488 |
SCHWAB US AGGREGATE BOND ETF | COM | 808524839 | 6,377,026 | 138,631 | SH | | SOLE | | 0 | 0 | 138,631 |
SCHWAB EMERGING MARKET EQUITY ETF | COM | 808524706 | 6,762,024 | 267,803 | SH | | SOLE | | 0 | 0 | 267,803 |
SCHWAB US LARGE CAP VALUE ETF | COM | 808524409 | 539,838 | 7,105 | SH | | SOLE | | 0 | 0 | 7,105 |
SCHWAB US LARGE CAP GROWTH ETF | COM | 808524300 | 1,320,982 | 14,247 | SH | | SOLE | | 0 | 0 | 14,247 |
SPDR USA STRATEGIC FACTORS | COM | 78468R812 | 8,706,198 | 59,783 | SH | | SOLE | | 0 | 0 | 59,783 |
SPDR S&P BIOTECH ETF | COM | 78464A870 | 6,179,616 | 65,124 | SH | | SOLE | | 0 | 0 | 65,124 |
SPDR S&P 400 MID CAP VALUE ETF | COM | 78464A839 | 5,453,229 | 71,753 | SH | | SOLE | | 0 | 0 | 71,753 |
SPDR S&P 600 SMALL CAP VALUE ETF | COM | 78464A300 | 3,297,727 | 39,746 | SH | | SOLE | | 0 | 0 | 39,746 |
SPDR S&P 500 ETF | COM | 78462F103 | 607,569 | 1,162 | SH | | SOLE | | 0 | 0 | 1,162 |
PROCTER & GAMBLE CO | COM | 742718109 | 267,713 | 1,650 | SH | | SOLE | | 0 | 0 | 1,650 |
NOVO NORDISK A/S ADR | COM | 670100205 | 2,211,818 | 17,226 | SH | | SOLE | | 0 | 0 | 17,226 |
NOVARTIS A G SPON ADR | COM | 66987V109 | 724,701 | 7,492 | SH | | SOLE | | 0 | 0 | 7,492 |
NORFOLK SOUTHERN CORP | COM | 655844108 | 241,617 | 948 | SH | | SOLE | | 0 | 0 | 948 |
NERDY INC | COM | 64081V109 | 72,750 | 25,000 | SH | | SOLE | | 0 | 0 | 25,000 |
NATL BANKSHARES INC | COM | 634865109 | 508,066 | 15,207 | SH | | SOLE | | 0 | 0 | 15,207 |
N V R INC | COM | 62944T105 | 461,698 | 57 | SH | | SOLE | | 0 | 0 | 57 |
MICROSOFT | COM | 594918104 | 1,913,149 | 4,547 | SH | | SOLE | | 0 | 0 | 4,547 |
MCKESSON HBOC INC | COM | 58155Q103 | 389,787 | 726 | SH | | SOLE | | 0 | 0 | 726 |
MC DONALDS CORP | COM | 580135101 | 508,714 | 1,804 | SH | | SOLE | | 0 | 0 | 1,804 |
LOCKHEED MARTIN CORP | COM | 539830109 | 346,611 | 762 | SH | | SOLE | | 0 | 0 | 762 |
JOHNSON & JOHNSON | COM | 478160104 | 291,386 | 1,842 | SH | | SOLE | | 0 | 0 | 1,842 |
JP MORGAN CHASE & CO | COM | 46625H100 | 401,601 | 2,005 | SH | | SOLE | | 0 | 0 | 2,005 |
ISHARES MSCI DENMARK ETF | COM | 46429B523 | 8,413,944 | 68,870 | SH | | SOLE | | 0 | 0 | 68,870 |
ISHARES MSCI FINLAND ETF | COM | 46429B515 | 8,807,058 | 251,377 | SH | | SOLE | | 0 | 0 | 251,377 |
ISHARES MSCI IRELAND CAPPED ETF | COM | 46429B507 | 9,713,052 | 140,076 | SH | | SOLE | | 0 | 0 | 140,076 |
ISHARES MSCI NEW ZEALAND | COM | 464289123 | 8,488,569 | 186,603 | SH | | SOLE | | 0 | 0 | 186,603 |
ISHARES RUSSELL 2000 VALUE | COM | 464287630 | 374,474 | 2,358 | SH | | SOLE | | 0 | 0 | 2,358 |
ISHARES NASDAQ BIOTECHNOLOGY | COM | 464287556 | 431,968 | 3,148 | SH | | SOLE | | 0 | 0 | 3,148 |
ISHARES RUSSELL MIDCAP VALUE | COM | 464287473 | 256,300 | 2,045 | SH | | SOLE | | 0 | 0 | 2,045 |
ISHARES S&P GLOBAL HEALTHCARE | COM | 464287325 | 2,291,211 | 24,597 | SH | | SOLE | | 0 | 0 | 24,597 |
ISHARES GLOBAL TECHNOLOGY | COM | 464287291 | 3,082,920 | 41,210 | SH | | SOLE | | 0 | 0 | 41,210 |
ISHARES MSCI NETHERLANDS | COM | 464286814 | 8,564,889 | 173,098 | SH | | SOLE | | 0 | 0 | 173,098 |
ISHARES MSCI SWEDEN | COM | 464286756 | 8,766,792 | 219,389 | SH | | SOLE | | 0 | 0 | 219,389 |
ISHARES MSCI SWITZERLAND | COM | 464286749 | 612,993 | 12,878 | SH | | SOLE | | 0 | 0 | 12,878 |
ISHARES MSCI CHILE INVESTABLE MARKET | COM | 464286640 | 2,215,194 | 83,372 | SH | | SOLE | | 0 | 0 | 83,372 |
ISHARES MSCI AUSTRIA | COM | 464286202 | 8,019,876 | 369,263 | SH | | SOLE | | 0 | 0 | 369,263 |
HONEYWELL INTERNATIONAL | COM | 438516106 | 339,894 | 1,656 | SH | | SOLE | | 0 | 0 | 1,656 |
HALEON PLC | COM | 405552100 | 144,551 | 17,026 | SH | | SOLE | | 0 | 0 | 17,026 |
GENMAB A/S | COM | 372303206 | 449,906 | 15,042 | SH | | SOLE | | 0 | 0 | 15,042 |
GENERAL DYNAMICS CORP | COM | 369550108 | 1,198,323 | 4,242 | SH | | SOLE | | 0 | 0 | 4,242 |
GATOS SILVER INC | COM | 368036109 | 251,700 | 30,000 | SH | | SOLE | | 0 | 0 | 30,000 |
GMS INC | COM | 36251C103 | 1,052,148 | 10,809 | SH | | SOLE | | 0 | 0 | 10,809 |
FRANKLIN FTSE AUSTRALIA ETF | COM | 35473P843 | 5,479,424 | 190,042 | SH | | SOLE | | 0 | 0 | 190,042 |
FRANKLIN FTSE GERMANY ETF | COM | 35473P785 | 1,545,158 | 61,955 | SH | | SOLE | | 0 | 0 | 61,955 |
FRANKLIN FTSE MEXICO ETF | COM | 35473P736 | 405,246 | 11,912 | SH | | SOLE | | 0 | 0 | 11,912 |
FRANKLIN FTSE SOUTH KOREA ETF | COM | 35473P710 | 3,614,810 | 154,635 | SH | | SOLE | | 0 | 0 | 154,635 |
FRANKLIN FTSE SWITZERLAND ETF | COM | 35473P694 | 8,107,910 | 246,868 | SH | | SOLE | | 0 | 0 | 246,868 |
FRANKLIN FTSE TAIWAN ETF | COM | 35473P686 | 6,014,267 | 137,205 | SH | | SOLE | | 0 | 0 | 137,205 |
FISERV INC | COM | 337738108 | 511,424 | 3,200 | SH | | SOLE | | 0 | 0 | 3,200 |
FIDELITY MSCI REAL ESTATE ETF | COM | 316092857 | 2,977,326 | 114,118 | SH | | SOLE | | 0 | 0 | 114,118 |
FIDELITY MSCI INFORMATION TECHNOLOGY ETF | COM | 316092808 | 1,625,879 | 10,433 | SH | | SOLE | | 0 | 0 | 10,433 |
FIDELITY MSCI HEALTH ETF | COM | 316092600 | 2,072,169 | 29,700 | SH | | SOLE | | 0 | 0 | 29,700 |
FIDELITY MSCI CONSUMER STAPLES ETF | COM | 316092303 | 3,286,018 | 69,063 | SH | | SOLE | | 0 | 0 | 69,063 |
META PLATFORMS INC | COM | 30303M102 | 2,117,614 | 4,361 | SH | | SOLE | | 0 | 0 | 4,361 |
EXXON MOBIL CORPORATION | COM | 30231G102 | 583,409 | 5,019 | SH | | SOLE | | 0 | 0 | 5,019 |
DISNEY WALT COMPANY DEL | COM | 254687106 | 458,692 | 3,749 | SH | | SOLE | | 0 | 0 | 3,749 |
DIMENSIONAL US CORE EQUITY 2 ETF | COM | 25434V708 | 325,219 | 10,179 | SH | | SOLE | | 0 | 0 | 10,179 |
DEERE & CO | COM | 244199105 | 340,914 | 830 | SH | | SOLE | | 0 | 0 | 830 |
COLUMBIA EMRG MKTS CORE EX-CHINA ETF | COM | 19762B202 | 17,226,383 | 553,903 | SH | | SOLE | | 0 | 0 | 553,903 |
COEUR D ALENE MINES CORP | COM | 192108504 | 56,550 | 15,000 | SH | | SOLE | | 0 | 0 | 15,000 |
COCA COLA CO | COM | 191216100 | 416,819 | 6,813 | SH | | SOLE | | 0 | 0 | 6,813 |
CHEVRONTEXACO CORP | COM | 166764100 | 276,834 | 1,755 | SH | | SOLE | | 0 | 0 | 1,755 |
CHENIERE ENERGY INC | COM | 16411R208 | 241,920 | 1,500 | SH | | SOLE | | 0 | 0 | 1,500 |
BERKSHIRE HATHAWAY CL B | COM | 084670702 | 440,705 | 1,048 | SH | | SOLE | | 0 | 0 | 1,048 |
BAUSCH HEALTH COS INC | COM | 071734107 | 192,062 | 18,102 | SH | | SOLE | | 0 | 0 | 18,102 |
BANK OF AMERICA CORP | COM | 060505104 | 208,598 | 5,501 | SH | | SOLE | | 0 | 0 | 5,501 |
AUTO DATA PROCESSING | COM | 053015103 | 331,655 | 1,328 | SH | | SOLE | | 0 | 0 | 1,328 |
ASTRAZENECA PLC ADR | COM | 046353108 | 867,810 | 12,809 | SH | | SOLE | | 0 | 0 | 12,809 |
APPLE COMPUTER INC | COM | 037833100 | 1,431,690 | 8,349 | SH | | SOLE | | 0 | 0 | 8,349 |
ELEVANCE HEALTH INC | COM | 036752103 | 337,051 | 650 | SH | | SOLE | | 0 | 0 | 650 |
AMAZON COM INC | COM | 023135106 | 1,887,677 | 10,465 | SH | | SOLE | | 0 | 0 | 10,465 |
ALPHABET INC CLASS A | COM | 02079K305 | 319,972 | 2,120 | SH | | SOLE | | 0 | 0 | 2,120 |
ABBVIE INC | COM | 00287Y109 | 319,950 | 1,757 | SH | | SOLE | | 0 | 0 | 1,757 |