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   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