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 | 758,459 | 8,612 | SH | | SOLE | | 0 | 0 | 8,612 |
ACCENTURE PLC CL A | COM | G1151C101 | 749,114 | 2,476 | SH | | SOLE | | 0 | 0 | 2,476 |
WELLS FARGO CO | COM | 949746101 | 2,135,010 | 35,237 | SH | | SOLE | | 0 | 0 | 35,237 |
VISA INC | COM | 92826C839 | 667,313 | 2,535 | SH | | SOLE | | 0 | 0 | 2,535 |
VANGUARD TOTAL STOCK MARKET ETF | COM | 922908769 | 3,362,544 | 12,544 | SH | | SOLE | | 0 | 0 | 12,544 |
VANGUARD VALUE ETF | COM | 922908744 | 3,196,069 | 20,007 | SH | | SOLE | | 0 | 0 | 20,007 |
VANGUARD MID CAP ETF | COM | 922908629 | 865,104 | 3,601 | SH | | SOLE | | 0 | 0 | 3,601 |
VANGUARD SMALL CAP VALUE ETF | COM | 922908611 | 24,426,561 | 135,275 | SH | | SOLE | | 0 | 0 | 135,275 |
VANGUARD REAL ESTATE ETF | COM | 922908553 | 4,866,105 | 58,649 | SH | | SOLE | | 0 | 0 | 58,649 |
VANGUARD MID CAP VALUE ETF | COM | 922908512 | 35,549,417 | 238,555 | SH | | SOLE | | 0 | 0 | 238,555 |
VANGUARD S&P 500 ETF | COM | 922908363 | 7,727,158 | 15,415 | SH | | SOLE | | 0 | 0 | 15,415 |
VANGUARD SHORT GOVT BOND IDX ETF | COM | 92206C102 | 4,679,538 | 81,045 | SH | | SOLE | | 0 | 0 | 81,045 |
VANGUARD INFO TECHNOLOGY ETF | COM | 92204A702 | 35,548,863 | 61,054 | SH | | SOLE | | 0 | 0 | 61,054 |
VANGUARD HEALTH CARE ETF | COM | 92204A504 | 18,251,231 | 68,938 | SH | | SOLE | | 0 | 0 | 68,938 |
VANGUARD CONSUMER STAPLES ETF | COM | 92204A207 | 20,167,630 | 99,954 | SH | | SOLE | | 0 | 0 | 99,954 |
VANGUARD FTSE EMERGING MARKET ETF | COM | 922042858 | 15,542,787 | 354,373 | SH | | SOLE | | 0 | 0 | 354,373 |
VANGUARD GLOBAL EX-US REAL ESTATE ETF | COM | 922042676 | 3,769,106 | 93,179 | SH | | SOLE | | 0 | 0 | 93,179 |
VANGUARD TOTAL INTERNATIONAL BOND ETF | COM | 92203J407 | 28,247,924 | 583,394 | SH | | SOLE | | 0 | 0 | 583,394 |
VANGUARD SHORT INFLATION-PROTECTED ETF | COM | 922020805 | 30,723,352 | 639,271 | SH | | SOLE | | 0 | 0 | 639,271 |
VANGUARD EMERGING MARKET GOVT BOND ETF | COM | 921946885 | 15,349,198 | 245,981 | SH | | SOLE | | 0 | 0 | 245,981 |
VANGUARD DEVELOPED MARKETS IDX ETF | COM | 921943858 | 415,446 | 8,400 | SH | | SOLE | | 0 | 0 | 8,400 |
VANGUARD TOTAL BOND MARKET ETF | COM | 921937835 | 1,931,966 | 27,039 | SH | | SOLE | | 0 | 0 | 27,039 |
VF CORPORATION | COM | 918204108 | 191,560 | 14,919 | SH | | SOLE | | 0 | 0 | 14,919 |
UNITEDHEALTH GROUP INC | COM | 91324P102 | 741,480 | 1,499 | SH | | SOLE | | 0 | 0 | 1,499 |
UNION PACIFIC CORP | COM | 907818108 | 426,559 | 1,897 | SH | | SOLE | | 0 | 0 | 1,897 |
TRUIST FINANCIAL CORP | COM | 89832Q109 | 1,658,234 | 42,248 | SH | | SOLE | | 0 | 0 | 42,248 |
TEXAS INSTRUMENTS INC | COM | 882508104 | 612,500 | 3,147 | SH | | SOLE | | 0 | 0 | 3,147 |
SMITH & NEPHEW ADR NEW | COM | 83175M205 | 310,027 | 12,649 | SH | | SOLE | | 0 | 0 | 12,649 |
SCHWAB US TIPS ETF | COM | 808524870 | 11,958,771 | 231,849 | SH | | SOLE | | 0 | 0 | 231,849 |
SCHWAB SHORT TERM US TREASURY | COM | 808524862 | 13,720,871 | 286,269 | SH | | SOLE | | 0 | 0 | 286,269 |
SCHWAB US REIT ETF | COM | 808524847 | 340,809 | 17,230 | SH | | SOLE | | 0 | 0 | 17,230 |
SCHWAB US AGGREGATE BOND ETF | COM | 808524839 | 6,419,937 | 142,034 | SH | | SOLE | | 0 | 0 | 142,034 |
SCHWAB EMERGING MARKET EQUITY ETF | COM | 808524706 | 5,622,036 | 211,196 | SH | | SOLE | | 0 | 0 | 211,196 |
SCHWAB US LARGE CAP VALUE ETF | COM | 808524409 | 464,520 | 6,302 | SH | | SOLE | | 0 | 0 | 6,302 |
SCHWAB US LARGE CAP GROWTH ETF | COM | 808524300 | 1,441,560 | 14,183 | SH | | SOLE | | 0 | 0 | 14,183 |
SPAR GROUP INC | COM | 784933103 | 31,995 | 13,500 | SH | | SOLE | | 0 | 0 | 13,500 |
SPDR USA STRATEGIC FACTORS | COM | 78468R812 | 8,579,763 | 58,222 | SH | | SOLE | | 0 | 0 | 58,222 |
SPDR S&P BIOTECH ETF | COM | 78464A870 | 6,016,711 | 64,668 | SH | | SOLE | | 0 | 0 | 64,668 |
SPDR S&P 400 MID CAP VALUE ETF | COM | 78464A839 | 5,159,526 | 71,343 | SH | | SOLE | | 0 | 0 | 71,343 |
SPDR S&P 600 SMALL CAP VALUE ETF | COM | 78464A300 | 3,184,468 | 41,074 | SH | | SOLE | | 0 | 0 | 41,074 |
SPDR S&P 500 ETF | COM | 78462F103 | 636,253 | 1,167 | SH | | SOLE | | 0 | 0 | 1,167 |
PROCTER & GAMBLE CO | COM | 742718109 | 298,428 | 1,834 | SH | | SOLE | | 0 | 0 | 1,834 |
NOVO NORDISK A/S ADR | COM | 670100205 | 2,461,234 | 16,925 | SH | | SOLE | | 0 | 0 | 16,925 |
NOVARTIS A G SPON ADR | COM | 66987V109 | 786,052 | 7,378 | SH | | SOLE | | 0 | 0 | 7,378 |
NORFOLK SOUTHERN CORP | COM | 655844108 | 413,471 | 1,932 | SH | | SOLE | | 0 | 0 | 1,932 |
NERDY INC | COM | 64081V109 | 40,250 | 25,000 | SH | | SOLE | | 0 | 0 | 25,000 |
NATL BANKSHARES INC | COM | 634865109 | 443,284 | 15,207 | SH | | SOLE | | 0 | 0 | 15,207 |
N V R INC | COM | 62944T105 | 426,483 | 57 | SH | | SOLE | | 0 | 0 | 57 |
MICROSOFT | COM | 594918104 | 2,345,055 | 5,134 | SH | | SOLE | | 0 | 0 | 5,134 |
MCKESSON HBOC INC | COM | 58155Q103 | 426,893 | 728 | SH | | SOLE | | 0 | 0 | 728 |
MC DONALDS CORP | COM | 580135101 | 613,043 | 2,452 | SH | | SOLE | | 0 | 0 | 2,452 |
LOCKHEED MARTIN CORP | COM | 539830109 | 359,159 | 770 | SH | | SOLE | | 0 | 0 | 770 |
JOHNSON & JOHNSON | COM | 478160104 | 434,048 | 2,964 | SH | | SOLE | | 0 | 0 | 2,964 |
JP MORGAN CHASE & CO | COM | 46625H100 | 534,581 | 2,602 | SH | | SOLE | | 0 | 0 | 2,602 |
ISHARES MSCI DENMARK ETF | COM | 46429B523 | 9,561,845 | 74,895 | SH | | SOLE | | 0 | 0 | 74,895 |
ISHARES MSCI FINLAND ETF | COM | 46429B515 | 9,293,258 | 260,431 | SH | | SOLE | | 0 | 0 | 260,431 |
ISHARES MSCI IRELAND CAPPED ETF | COM | 46429B507 | 9,081,547 | 140,524 | SH | | SOLE | | 0 | 0 | 140,524 |
ISHARES MSCI NEW ZEALAND | COM | 464289123 | 8,174,659 | 181,176 | SH | | SOLE | | 0 | 0 | 181,176 |
ISHARES RUSSELL 2000 VALUE | COM | 464287630 | 348,346 | 2,308 | SH | | SOLE | | 0 | 0 | 2,308 |
ISHARES NASDAQ BIOTECHNOLOGY | COM | 464287556 | 431,181 | 3,148 | SH | | SOLE | | 0 | 0 | 3,148 |
ISHARES RUSSELL MIDCAP VALUE | COM | 464287473 | 227,346 | 1,902 | SH | | SOLE | | 0 | 0 | 1,902 |
ISHARES S&P GLOBAL HEALTHCARE | COM | 464287325 | 2,230,121 | 24,099 | SH | | SOLE | | 0 | 0 | 24,099 |
ISHARES GLOBAL TECHNOLOGY | COM | 464287291 | 3,284,176 | 39,275 | SH | | SOLE | | 0 | 0 | 39,275 |
ISHARES MSCI NETHERLANDS | COM | 464286814 | 8,325,360 | 165,022 | SH | | SOLE | | 0 | 0 | 165,022 |
ISHARES MSCI SWEDEN | COM | 464286756 | 8,608,196 | 213,338 | SH | | SOLE | | 0 | 0 | 213,338 |
ISHARES MSCI SWITZERLAND | COM | 464286749 | 603,906 | 12,550 | SH | | SOLE | | 0 | 0 | 12,550 |
ISHARES MSCI CHILE INVESTABLE MARKET | COM | 464286640 | 2,047,449 | 80,041 | SH | | SOLE | | 0 | 0 | 80,041 |
ISHARES MSCI AUSTRIA | COM | 464286202 | 8,022,802 | 361,883 | SH | | SOLE | | 0 | 0 | 361,883 |
INTL BUSINESS MACHINES | COM | 459200101 | 301,138 | 1,720 | SH | | SOLE | | 0 | 0 | 1,720 |
HONEYWELL INTERNATIONAL | COM | 438516106 | 349,544 | 1,657 | SH | | SOLE | | 0 | 0 | 1,657 |
HALEON PLC | COM | 405552100 | 139,385 | 16,753 | SH | | SOLE | | 0 | 0 | 16,753 |
GENMAB A/S | COM | 372303206 | 339,029 | 13,643 | SH | | SOLE | | 0 | 0 | 13,643 |
GENERAL DYNAMICS CORP | COM | 369550108 | 1,169,040 | 4,061 | SH | | SOLE | | 0 | 0 | 4,061 |
GATOS SILVER INC | COM | 368036109 | 310,500 | 30,000 | SH | | SOLE | | 0 | 0 | 30,000 |
GMS INC | COM | 36251C103 | 642,557 | 8,220 | SH | | SOLE | | 0 | 0 | 8,220 |
FRANKLIN FTSE AUSTRALIA ETF | COM | 35473P843 | 1,648,716 | 57,362 | SH | | SOLE | | 0 | 0 | 57,362 |
FRANKLIN FTSE GERMANY ETF | COM | 35473P785 | 5,104,555 | 211,672 | SH | | SOLE | | 0 | 0 | 211,672 |
FRANKLIN FTSE MEXICO ETF | COM | 35473P736 | 1,223,444 | 43,155 | SH | | SOLE | | 0 | 0 | 43,155 |
FRANKLIN FTSE SOUTH KOREA ETF | COM | 35473P710 | 3,913,046 | 178,673 | SH | | SOLE | | 0 | 0 | 178,673 |
FRANKLIN FTSE SWITZERLAND ETF | COM | 35473P694 | 8,237,418 | 248,115 | SH | | SOLE | | 0 | 0 | 248,115 |
FRANKLIN FTSE TAIWAN ETF | COM | 35473P686 | 3,244,408 | 66,799 | SH | | SOLE | | 0 | 0 | 66,799 |
FISERV INC | COM | 337738108 | 472,467 | 3,211 | SH | | SOLE | | 0 | 0 | 3,211 |
FIDELITY MSCI REAL ESTATE ETF | COM | 316092857 | 3,555,590 | 141,827 | SH | | SOLE | | 0 | 0 | 141,827 |
FIDELITY MSCI INFORMATION TECHNOLOGY ETF | COM | 316092808 | 2,448,058 | 14,140 | SH | | SOLE | | 0 | 0 | 14,140 |
FIDELITY MSCI HEALTH ETF | COM | 316092600 | 2,384,542 | 34,923 | SH | | SOLE | | 0 | 0 | 34,923 |
FIDELITY MSCI CONSUMER STAPLES ETF | COM | 316092303 | 3,623,010 | 76,889 | SH | | SOLE | | 0 | 0 | 76,889 |
META PLATFORMS INC | COM | 30303M102 | 2,220,087 | 4,399 | SH | | SOLE | | 0 | 0 | 4,399 |
EXXON MOBIL CORPORATION | COM | 30231G102 | 538,358 | 4,683 | SH | | SOLE | | 0 | 0 | 4,683 |
EDUCATIONAL DEV CORP | COM | 281479105 | 23,368 | 12,700 | SH | | SOLE | | 0 | 0 | 12,700 |
DUKE ENERGY CORP | COM | 26441C204 | 403,187 | 4,058 | SH | | SOLE | | 0 | 0 | 4,058 |
DISNEY WALT COMPANY DEL | COM | 254687106 | 376,754 | 3,843 | SH | | SOLE | | 0 | 0 | 3,843 |
DIMENSIONAL US CORE EQUITY 2 ETF | COM | 25434V708 | 327,764 | 10,179 | SH | | SOLE | | 0 | 0 | 10,179 |
DEERE & CO | COM | 244199105 | 301,066 | 834 | SH | | SOLE | | 0 | 0 | 834 |
COLUMBIA EMRG MKTS CORE EX-CHINA ETF | COM | 19762B202 | 25,023,173 | 783,934 | SH | | SOLE | | 0 | 0 | 783,934 |
COEUR D ALENE MINES CORP | COM | 192108504 | 81,000 | 15,000 | SH | | SOLE | | 0 | 0 | 15,000 |
COCA COLA CO | COM | 191216100 | 445,238 | 7,036 | SH | | SOLE | | 0 | 0 | 7,036 |
CHEVRONTEXACO CORP | COM | 166764100 | 372,518 | 2,380 | SH | | SOLE | | 0 | 0 | 2,380 |
CHENIERE ENERGY INC | COM | 16411R208 | 259,620 | 1,500 | SH | | SOLE | | 0 | 0 | 1,500 |
CATERPILLER INC | COM | 149123101 | 229,422 | 697 | SH | | SOLE | | 0 | 0 | 697 |
BERKSHIRE HATHAWAY CL B | COM | 084670702 | 467,589 | 1,154 | SH | | SOLE | | 0 | 0 | 1,154 |
BAUSCH HEALTH COS INC | COM | 071734107 | 124,444 | 17,552 | SH | | SOLE | | 0 | 0 | 17,552 |
BANK OF AMERICA CORP | COM | 060505104 | 205,091 | 5,126 | SH | | SOLE | | 0 | 0 | 5,126 |
AUTO DATA PROCESSING | COM | 053015103 | 323,339 | 1,372 | SH | | SOLE | | 0 | 0 | 1,372 |
ASTRAZENECA PLC ADR | COM | 046353108 | 1,027,662 | 13,185 | SH | | SOLE | | 0 | 0 | 13,185 |
APPLE COMPUTER INC | COM | 037833100 | 1,853,902 | 8,553 | SH | | SOLE | | 0 | 0 | 8,553 |
ELEVANCE HEALTH INC | COM | 036752103 | 342,112 | 640 | SH | | SOLE | | 0 | 0 | 640 |
AMAZON COM INC | COM | 023135106 | 2,124,238 | 10,772 | SH | | SOLE | | 0 | 0 | 10,772 |
ALPHABET INC CLASS A | COM | 02079K305 | 398,735 | 2,179 | SH | | SOLE | | 0 | 0 | 2,179 |
ALPHABET INC CLASS C | COM | 02079K107 | 232,642 | 1,261 | SH | | SOLE | | 0 | 0 | 1,261 |
ABBVIE INC | COM | 00287Y109 | 312,459 | 1,834 | SH | | SOLE | | 0 | 0 | 1,834 |