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 | 676,362 | 8,105 | SH | | SOLE | | 0 | 0 | 8,105 |
ACCENTURE PLC CL A | COM | G1151C101 | 853,563 | 2,447 | SH | | SOLE | | 0 | 0 | 2,447 |
WELLS FARGO CO | COM | 949746101 | 2,473,285 | 35,237 | SH | | SOLE | | 0 | 0 | 35,237 |
WAL-MART STORES INC | COM | 931142103 | 213,390 | 2,371 | SH | | SOLE | | 0 | 0 | 2,371 |
VISA INC | COM | 92826C839 | 797,004 | 2,535 | SH | | SOLE | | 0 | 0 | 2,535 |
VANGUARD TOTAL STOCK MARKET ETF | COM | 922908769 | 3,272,109 | 11,312 | SH | | SOLE | | 0 | 0 | 11,312 |
VANGUARD VALUE ETF | COM | 922908744 | 3,108,848 | 18,389 | SH | | SOLE | | 0 | 0 | 18,389 |
VANGUARD MID CAP ETF | COM | 922908629 | 949,728 | 3,601 | SH | | SOLE | | 0 | 0 | 3,601 |
VANGUARD SMALL CAP VALUE ETF | COM | 922908611 | 25,706,906 | 130,135 | SH | | SOLE | | 0 | 0 | 130,135 |
VANGUARD REAL ESTATE ETF | COM | 922908553 | 4,577,833 | 51,850 | SH | | SOLE | | 0 | 0 | 51,850 |
VANGUARD MID CAP VALUE ETF | COM | 922908512 | 35,882,681 | 222,570 | SH | | SOLE | | 0 | 0 | 222,570 |
VANGUARD S&P 500 ETF | COM | 922908363 | 7,464,541 | 13,889 | SH | | SOLE | | 0 | 0 | 13,889 |
VANGUARD SHORT GOVT BOND IDX ETF | COM | 92206C102 | 5,376,420 | 92,426 | SH | | SOLE | | 0 | 0 | 92,426 |
VANGUARD INFO TECHNOLOGY ETF | COM | 92204A702 | 33,267,348 | 53,541 | SH | | SOLE | | 0 | 0 | 53,541 |
VANGUARD HEALTH CARE ETF | COM | 92204A504 | 16,979,238 | 66,832 | SH | | SOLE | | 0 | 0 | 66,832 |
VANGUARD CONSUMER STAPLES ETF | COM | 92204A207 | 18,701,240 | 88,716 | SH | | SOLE | | 0 | 0 | 88,716 |
VANGUARD FTSE EMERGING MARKET ETF | COM | 922042858 | 14,517,431 | 330,543 | SH | | SOLE | | 0 | 0 | 330,543 |
VANGUARD GLOBAL EX-US REAL ESTATE ETF | COM | 922042676 | 3,791,422 | 96,498 | SH | | SOLE | | 0 | 0 | 96,498 |
VANGUARD TOTAL INTERNATIONAL BOND ETF | COM | 92203J407 | 28,734,192 | 585,337 | SH | | SOLE | | 0 | 0 | 585,337 |
VANGUARD SHORT INFLATION-PROTECTED ETF | COM | 922020805 | 30,978,187 | 639,385 | SH | | SOLE | | 0 | 0 | 639,385 |
VANGUARD EMERGING MARKET GOVT BOND ETF | COM | 921946885 | 15,585,029 | 246,131 | SH | | SOLE | | 0 | 0 | 246,131 |
VANGUARD TOTAL BOND MARKET ETF | COM | 921937835 | 1,768,551 | 24,584 | SH | | SOLE | | 0 | 0 | 24,584 |
VF CORPORATION | COM | 918204108 | 319,826 | 14,848 | SH | | SOLE | | 0 | 0 | 14,848 |
UNITEDHEALTH GROUP INC | COM | 91324P102 | 752,729 | 1,492 | SH | | SOLE | | 0 | 0 | 1,492 |
UNION PACIFIC CORP | COM | 907818108 | 431,891 | 1,885 | SH | | SOLE | | 0 | 0 | 1,885 |
TRUIST FINANCIAL CORP | COM | 89832Q109 | 1,832,729 | 42,297 | SH | | SOLE | | 0 | 0 | 42,297 |
TEXAS INSTRUMENTS INC | COM | 882508104 | 584,557 | 3,127 | SH | | SOLE | | 0 | 0 | 3,127 |
TESLA MOTORS INC | COM | 88160R101 | 358,420 | 945 | SH | | SOLE | | 0 | 0 | 945 |
SMITH & NEPHEW ADR NEW | COM | 83175M205 | 289,116 | 11,849 | SH | | SOLE | | 0 | 0 | 11,849 |
SCHWAB US TIPS ETF | COM | 808524870 | 12,453,506 | 482,507 | SH | | SOLE | | 0 | 0 | 482,507 |
SCHWAB SHORT TERM US TREASURY | COM | 808524862 | 13,537,952 | 560,810 | SH | | SOLE | | 0 | 0 | 560,810 |
SCHWAB US AGGREGATE BOND ETF | COM | 808524839 | 6,506,066 | 286,485 | SH | | SOLE | | 0 | 0 | 286,485 |
SCHWAB EMERGING MARKET EQUITY ETF | COM | 808524706 | 5,052,033 | 190,069 | SH | | SOLE | | 0 | 0 | 190,069 |
SCHWAB US LARGE CAP VALUE ETF | COM | 808524409 | 373,034 | 14,353 | SH | | SOLE | | 0 | 0 | 14,353 |
SCHWAB US LARGE CAP GROWTH ETF | COM | 808524300 | 1,269,003 | 45,582 | SH | | SOLE | | 0 | 0 | 45,582 |
SPDR USA STRATEGIC FACTORS | COM | 78468R812 | 8,461,615 | 54,704 | SH | | SOLE | | 0 | 0 | 54,704 |
SPDR S&P BIOTECH ETF | COM | 78464A870 | 5,784,330 | 63,196 | SH | | SOLE | | 0 | 0 | 63,196 |
SPDR S&P 400 MID CAP VALUE ETF | COM | 78464A839 | 4,411,707 | 55,243 | SH | | SOLE | | 0 | 0 | 55,243 |
SPDR S&P 600 SMALL CAP VALUE ETF | COM | 78464A300 | 3,445,065 | 39,644 | SH | | SOLE | | 0 | 0 | 39,644 |
SPDR S&P 500 ETF | COM | 78462F103 | 690,483 | 1,181 | SH | | SOLE | | 0 | 0 | 1,181 |
PROCTER & GAMBLE CO | COM | 742718109 | 246,646 | 1,486 | SH | | SOLE | | 0 | 0 | 1,486 |
NOVO NORDISK A/S ADR | COM | 670100205 | 1,408,022 | 16,088 | SH | | SOLE | | 0 | 0 | 16,088 |
NOVARTIS A G SPON ADR | COM | 66987V109 | 680,271 | 7,003 | SH | | SOLE | | 0 | 0 | 7,003 |
NORFOLK SOUTHERN CORP | COM | 655844108 | 452,676 | 1,930 | SH | | SOLE | | 0 | 0 | 1,930 |
NERDY INC | COM | 64081V109 | 39,250 | 25,000 | SH | | SOLE | | 0 | 0 | 25,000 |
NATL BANKSHARES INC | COM | 634865109 | 424,884 | 15,207 | SH | | SOLE | | 0 | 0 | 15,207 |
N V R INC | COM | 62944T105 | 455,424 | 57 | SH | | SOLE | | 0 | 0 | 57 |
MICROSOFT | COM | 594918104 | 1,923,221 | 4,595 | SH | | SOLE | | 0 | 0 | 4,595 |
MCKESSON HBOC INC | COM | 58155Q103 | 412,237 | 728 | SH | | SOLE | | 0 | 0 | 728 |
MC DONALDS CORP | COM | 580135101 | 713,139 | 2,438 | SH | | SOLE | | 0 | 0 | 2,438 |
LOCKHEED MARTIN CORP | COM | 539830109 | 363,134 | 753 | SH | | SOLE | | 0 | 0 | 753 |
KONTOOR BRANDS INC | COM | 50050N103 | 205,031 | 2,411 | SH | | SOLE | | 0 | 0 | 2,411 |
JOHNSON & JOHNSON | COM | 478160104 | 385,397 | 2,676 | SH | | SOLE | | 0 | 0 | 2,676 |
JP MORGAN CHASE & CO | COM | 46625H100 | 553,200 | 2,305 | SH | | SOLE | | 0 | 0 | 2,305 |
ISHARES MSCI DENMARK ETF | COM | 46429B523 | 8,683,018 | 80,855 | SH | | SOLE | | 0 | 0 | 80,855 |
ISHARES MSCI FINLAND ETF | COM | 46429B515 | 8,422,119 | 258,886 | SH | | SOLE | | 0 | 0 | 258,886 |
ISHARES MSCI IRELAND CAPPED ETF | COM | 46429B507 | 8,919,848 | 153,262 | SH | | SOLE | | 0 | 0 | 153,262 |
ISHARES MSCI NEW ZEALAND | COM | 464289123 | 7,576,577 | 166,885 | SH | | SOLE | | 0 | 0 | 166,885 |
ISHARES RUSSELL 2000 VALUE | COM | 464287630 | 318,169 | 1,941 | SH | | SOLE | | 0 | 0 | 1,941 |
ISHARES NASDAQ BIOTECHNOLOGY | COM | 464287556 | 418,400 | 3,148 | SH | | SOLE | | 0 | 0 | 3,148 |
ISHARES RUSSELL MIDCAP VALUE | COM | 464287473 | 208,399 | 1,617 | SH | | SOLE | | 0 | 0 | 1,617 |
ISHARES S&P GLOBAL HEALTHCARE | COM | 464287325 | 1,941,246 | 22,570 | SH | | SOLE | | 0 | 0 | 22,570 |
ISHARES GLOBAL TECHNOLOGY | COM | 464287291 | 3,233,944 | 38,267 | SH | | SOLE | | 0 | 0 | 38,267 |
ISHARES MSCI NETHERLANDS | COM | 464286814 | 8,001,608 | 180,257 | SH | | SOLE | | 0 | 0 | 180,257 |
ISHARES MSCI SWEDEN | COM | 464286756 | 8,074,968 | 215,735 | SH | | SOLE | | 0 | 0 | 215,735 |
ISHARES MSCI SWITZERLAND | COM | 464286749 | 552,584 | 12,052 | SH | | SOLE | | 0 | 0 | 12,052 |
ISHARES MSCI CHILE INVESTABLE MARKET | COM | 464286640 | 1,976,844 | 79,808 | SH | | SOLE | | 0 | 0 | 79,808 |
ISHARES MSCI AUSTRIA | COM | 464286202 | 7,376,791 | 356,970 | SH | | SOLE | | 0 | 0 | 356,970 |
INTL BUSINESS MACHINES | COM | 459200101 | 342,404 | 1,557 | SH | | SOLE | | 0 | 0 | 1,557 |
HONEYWELL INTERNATIONAL | COM | 438516106 | 373,687 | 1,657 | SH | | SOLE | | 0 | 0 | 1,657 |
HALEON PLC | COM | 405552100 | 149,341 | 15,820 | SH | | SOLE | | 0 | 0 | 15,820 |
GENMAB A/S | COM | 372303206 | 268,653 | 12,793 | SH | | SOLE | | 0 | 0 | 12,793 |
GENERAL DYNAMICS CORP | COM | 369550108 | 1,008,282 | 3,863 | SH | | SOLE | | 0 | 0 | 3,863 |
GATOS SILVER INC | COM | 368036109 | 454,200 | 30,000 | SH | | SOLE | | 0 | 0 | 30,000 |
GMS INC | COM | 36251C103 | 442,154 | 5,245 | SH | | SOLE | | 0 | 0 | 5,245 |
FRANKLIN FTSE AUSTRALIA ETF | COM | 35473P843 | 1,112,201 | 39,483 | SH | | SOLE | | 0 | 0 | 39,483 |
FRANKLIN FTSE GERMANY ETF | COM | 35473P785 | 5,728,132 | 231,042 | SH | | SOLE | | 0 | 0 | 231,042 |
FRANKLIN FTSE MEXICO ETF | COM | 35473P736 | 1,402,752 | 59,717 | SH | | SOLE | | 0 | 0 | 59,717 |
FRANKLIN FTSE SOUTH KOREA ETF | COM | 35473P710 | 2,488,855 | 142,383 | SH | | SOLE | | 0 | 0 | 142,383 |
FRANKLIN FTSE SWITZERLAND ETF | COM | 35473P694 | 8,081,365 | 253,432 | SH | | SOLE | | 0 | 0 | 253,432 |
FRANKLIN FTSE TAIWAN ETF | COM | 35473P686 | 2,681,154 | 57,290 | SH | | SOLE | | 0 | 0 | 57,290 |
FISERV INC | COM | 337738108 | 661,402 | 3,211 | SH | | SOLE | | 0 | 0 | 3,211 |
FIDELITY MSCI REAL ESTATE ETF | COM | 316092857 | 3,841,857 | 143,514 | SH | | SOLE | | 0 | 0 | 143,514 |
FIDELITY MSCI INFORMATION TECHNOLOGY ETF | COM | 316092808 | 3,874,727 | 20,949 | SH | | SOLE | | 0 | 0 | 20,949 |
FIDELITY MSCI HEALTH ETF | COM | 316092600 | 4,271,400 | 65,272 | SH | | SOLE | | 0 | 0 | 65,272 |
FIDELITY MSCI CONSUMER STAPLES ETF | COM | 316092303 | 4,612,558 | 93,656 | SH | | SOLE | | 0 | 0 | 93,656 |
META PLATFORMS INC | COM | 30303M102 | 2,618,080 | 4,369 | SH | | SOLE | | 0 | 0 | 4,369 |
EXXON MOBIL CORPORATION | COM | 30231G102 | 468,945 | 4,370 | SH | | SOLE | | 0 | 0 | 4,370 |
DUKE ENERGY CORP | COM | 26441C204 | 429,390 | 3,982 | SH | | SOLE | | 0 | 0 | 3,982 |
DISNEY WALT COMPANY DEL | COM | 254687106 | 398,715 | 3,598 | SH | | SOLE | | 0 | 0 | 3,598 |
DIMENSIONAL US CORE EQUITY 2 ETF | COM | 25434V708 | 351,786 | 10,179 | SH | | SOLE | | 0 | 0 | 10,179 |
DEERE & CO | COM | 244199105 | 348,762 | 834 | SH | | SOLE | | 0 | 0 | 834 |
COLUMBIA EMRG MKTS CORE EX-CHINA ETF | COM | 19762B202 | 25,906,664 | 874,044 | SH | | SOLE | | 0 | 0 | 874,044 |
COEUR D ALENE MINES CORP | COM | 192108504 | 93,000 | 15,000 | SH | | SOLE | | 0 | 0 | 15,000 |
COCA COLA CO | COM | 191216100 | 424,593 | 6,866 | SH | | SOLE | | 0 | 0 | 6,866 |
CHEVRONTEXACO CORP | COM | 166764100 | 340,807 | 2,323 | SH | | SOLE | | 0 | 0 | 2,323 |
CHENIERE ENERGY INC | COM | 16411R208 | 330,900 | 1,500 | SH | | SOLE | | 0 | 0 | 1,500 |
CATERPILLER INC | COM | 149123101 | 250,400 | 696 | SH | | SOLE | | 0 | 0 | 696 |
BROADCOM INC | COM | 11135F101 | 223,401 | 963 | SH | | SOLE | | 0 | 0 | 963 |
BERKSHIRE HATHAWAY CL B | COM | 084670702 | 524,178 | 1,162 | SH | | SOLE | | 0 | 0 | 1,162 |
BAUSCH HEALTH COS INC | COM | 071734107 | 131,820 | 16,602 | SH | | SOLE | | 0 | 0 | 16,602 |
BANK OF AMERICA CORP | COM | 060505104 | 216,932 | 4,898 | SH | | SOLE | | 0 | 0 | 4,898 |
AUTO DATA PROCESSING | COM | 053015103 | 394,503 | 1,362 | SH | | SOLE | | 0 | 0 | 1,362 |
ASTRAZENECA PLC ADR | COM | 046353108 | 829,185 | 12,586 | SH | | SOLE | | 0 | 0 | 12,586 |
APPLE COMPUTER INC | COM | 037833100 | 2,013,332 | 8,256 | SH | | SOLE | | 0 | 0 | 8,256 |
ELEVANCE HEALTH INC | COM | 036752103 | 233,765 | 639 | SH | | SOLE | | 0 | 0 | 639 |
AMAZON COM INC | COM | 023135106 | 2,319,797 | 10,534 | SH | | SOLE | | 0 | 0 | 10,534 |
ALPHABET INC CLASS A | COM | 02079K305 | 469,598 | 2,479 | SH | | SOLE | | 0 | 0 | 2,479 |
ALPHABET INC CLASS C | COM | 02079K107 | 347,328 | 1,822 | SH | | SOLE | | 0 | 0 | 1,822 |
ABBVIE INC | COM | 00287Y109 | 306,484 | 1,708 | SH | | SOLE | | 0 | 0 | 1,708 |