The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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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 FIGI (to the nearest dollar) 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