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
Estimated average burden
hours per response: 23.8
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   848,293 8,477 SH   SOLE   0 0 8,477
ACCENTURE PLC CL A COM G1151C101   864,966 2,447 SH   SOLE   0 0 2,447
WELLS FARGO CO COM 949746101   1,990,538 35,237 SH   SOLE   0 0 35,237
WAL-MART STORES INC COM 931142103   209,223 2,591 SH   SOLE   0 0 2,591
VISA INC COM 92826C839   696,998 2,535 SH   SOLE   0 0 2,535
VANGUARD TOTAL STOCK MARKET ETF COM 922908769   3,518,546 12,426 SH   SOLE   0 0 12,426
VANGUARD VALUE ETF COM 922908744   3,512,177 20,119 SH   SOLE   0 0 20,119
VANGUARD MID CAP ETF COM 922908629   950,052 3,601 SH   SOLE   0 0 3,601
VANGUARD SMALL CAP VALUE ETF COM 922908611   27,508,305 137,007 SH   SOLE   0 0 137,007
VANGUARD REAL ESTATE ETF COM 922908553   5,284,837 54,248 SH   SOLE   0 0 54,248
VANGUARD MID CAP VALUE ETF COM 922908512   39,733,877 236,977 SH   SOLE   0 0 236,977
VANGUARD S&P 500 ETF COM 922908363   7,609,979 14,422 SH   SOLE   0 0 14,422
VANGUARD SHORT CORP BOND ETF COM 92206C409   223,913 2,819 SH   SOLE   0 0 2,819
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102   5,031,573 85,252 SH   SOLE   0 0 85,252
VANGUARD INFO TECHNOLOGY ETF COM 92204A702   33,444,130 57,021 SH   SOLE   0 0 57,021
VANGUARD HEALTH CARE ETF COM 92204A504   18,569,495 65,803 SH   SOLE   0 0 65,803
VANGUARD CONSUMER STAPLES ETF COM 92204A207   20,888,340 95,608 SH   SOLE   0 0 95,608
VANGUARD FTSE EMERGING MARKET ETF COM 922042858   15,984,561 334,056 SH   SOLE   0 0 334,056
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676   4,421,286 94,250 SH   SOLE   0 0 94,250
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407   29,826,415 593,206 SH   SOLE   0 0 593,206
VANGUARD SHORT INFLATION-PROTECTED ETF COM 922020805   31,905,740 647,044 SH   SOLE   0 0 647,044
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885   16,614,266 250,328 SH   SOLE   0 0 250,328
VANGUARD DEVELOPED MARKETS IDX ETF COM 921943858   204,111 3,865 SH   SOLE   0 0 3,865
VANGUARD TOTAL BOND MARKET ETF COM 921937835   1,788,817 23,816 SH   SOLE   0 0 23,816
VANGUARD DIVIDEND APPR ETF COM 921908844   200,437 1,012 SH   SOLE   0 0 1,012
VF CORPORATION COM 918204108   297,634 14,919 SH   SOLE   0 0 14,919
UNITEDHEALTH GROUP INC COM 91324P102   872,343 1,492 SH   SOLE   0 0 1,492
UNION PACIFIC CORP COM 907818108   464,615 1,885 SH   SOLE   0 0 1,885
TRUIST FINANCIAL CORP COM 89832Q109   1,804,766 42,197 SH   SOLE   0 0 42,197
TEXAS INSTRUMENTS INC COM 882508104   652,381 3,158 SH   SOLE   0 0 3,158
SMITH & NEPHEW ADR NEW COM 83175M205   392,769 12,613 SH   SOLE   0 0 12,613
SCHWAB US TIPS ETF COM 808524870   13,148,306 245,167 SH   SOLE   0 0 245,167
SCHWAB SHORT TERM US TREASURY COM 808524862   14,071,364 287,288 SH   SOLE   0 0 287,288
SCHWAB US REIT ETF COM 808524847   227,576 9,822 SH   SOLE   0 0 9,822
SCHWAB US AGGREGATE BOND ETF COM 808524839   6,860,255 144,366 SH   SOLE   0 0 144,366
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706   6,032,467 206,733 SH   SOLE   0 0 206,733
SCHWAB US LARGE CAP VALUE ETF COM 808524409   445,571 5,544 SH   SOLE   0 0 5,544
SCHWAB US LARGE CAP GROWTH ETF COM 808524300   1,243,805 11,939 SH   SOLE   0 0 11,939
SPDR USA STRATEGIC FACTORS COM 78468R812   9,187,686 58,316 SH   SOLE   0 0 58,316
SPDR S&P BIOTECH ETF COM 78464A870   6,118,684 61,930 SH   SOLE   0 0 61,930
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839   4,641,100 58,408 SH   SOLE   0 0 58,408
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300   3,645,312 41,987 SH   SOLE   0 0 41,987
SPDR S&P 500 ETF COM 78462F103   898,438 1,566 SH   SOLE   0 0 1,566
PROCTER & GAMBLE CO COM 742718109   290,976 1,680 SH   SOLE   0 0 1,680
NOVO NORDISK A/S ADR COM 670100205   1,982,873 16,653 SH   SOLE   0 0 16,653
NOVARTIS A G SPON ADR COM 66987V109   836,195 7,270 SH   SOLE   0 0 7,270
NORFOLK SOUTHERN CORP COM 655844108   479,497 1,930 SH   SOLE   0 0 1,930
NERDY INC COM 64081V109   24,578 25,000 SH   SOLE   0 0 25,000
NATL BANKSHARES INC COM 634865109   454,689 15,207 SH   SOLE   0 0 15,207
N V R INC COM 62944T105   559,273 57 SH   SOLE   0 0 57
MICROSOFT COM 594918104   2,094,928 4,869 SH   SOLE   0 0 4,869
MCKESSON HBOC INC COM 58155Q103   359,969 728 SH   SOLE   0 0 728
MC DONALDS CORP COM 580135101   742,478 2,438 SH   SOLE   0 0 2,438
LOCKHEED MARTIN CORP COM 539830109   447,188 765 SH   SOLE   0 0 765
JOHNSON & JOHNSON COM 478160104   462,519 2,854 SH   SOLE   0 0 2,854
JP MORGAN CHASE & CO COM 46625H100   543,808 2,579 SH   SOLE   0 0 2,579
ISHARES MSCI DENMARK ETF COM 46429B523   9,772,411 76,936 SH   SOLE   0 0 76,936
ISHARES MSCI FINLAND ETF COM 46429B515   9,879,875 260,798 SH   SOLE   0 0 260,798
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507   9,669,456 140,932 SH   SOLE   0 0 140,932
ISHARES MSCI NEW ZEALAND COM 464289123   8,711,376 176,290 SH   SOLE   0 0 176,290
ISHARES RUSSELL 2000 VALUE COM 464287630   341,314 2,046 SH   SOLE   0 0 2,046
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556   458,348 3,148 SH   SOLE   0 0 3,148
ISHARES RUSSELL MIDCAP VALUE COM 464287473   251,540 1,902 SH   SOLE   0 0 1,902
ISHARES S&P GLOBAL HEALTHCARE COM 464287325   2,288,699 23,316 SH   SOLE   0 0 23,316
ISHARES GLOBAL TECHNOLOGY COM 464287291   3,158,176 38,267 SH   SOLE   0 0 38,267
ISHARES MSCI NETHERLANDS COM 464286814   8,428,824 165,726 SH   SOLE   0 0 165,726
ISHARES MSCI SWEDEN COM 464286756   9,364,457 215,721 SH   SOLE   0 0 215,721
ISHARES MSCI SWITZERLAND COM 464286749   672,611 12,910 SH   SOLE   0 0 12,910
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640   2,270,214 83,219 SH   SOLE   0 0 83,219
ISHARES MSCI AUSTRIA COM 464286202   8,235,220 360,798 SH   SOLE   0 0 360,798
INTL BUSINESS MACHINES COM 459200101   366,950 1,660 SH   SOLE   0 0 1,660
HONEYWELL INTERNATIONAL COM 438516106   342,518 1,657 SH   SOLE   0 0 1,657
HALEON PLC COM 405552100   174,507 16,494 SH   SOLE   0 0 16,494
GENMAB A/S COM 372303206   329,910 13,532 SH   SOLE   0 0 13,532
GENERAL DYNAMICS CORP COM 369550108   1,173,443 3,883 SH   SOLE   0 0 3,883
GATOS SILVER INC COM 368036109   452,400 30,000 SH   SOLE   0 0 30,000
GMS INC COM 36251C103   475,040 5,245 SH   SOLE   0 0 5,245
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843   1,427,055 44,429 SH   SOLE   0 0 44,429
FRANKLIN FTSE GERMANY ETF COM 35473P785   6,174,086 232,023 SH   SOLE   0 0 232,023
FRANKLIN FTSE MEXICO ETF COM 35473P736   1,443,115 54,029 SH   SOLE   0 0 54,029
FRANKLIN FTSE SOUTH KOREA ETF COM 35473P710   2,472,386 116,622 SH   SOLE   0 0 116,622
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694   8,758,616 242,991 SH   SOLE   0 0 242,991
FRANKLIN FTSE TAIWAN ETF COM 35473P686   2,834,699 58,775 SH   SOLE   0 0 58,775
FISERV INC COM 337738108   576,856 3,211 SH   SOLE   0 0 3,211
FIDELITY MSCI REAL ESTATE ETF COM 316092857   4,170,963 141,485 SH   SOLE   0 0 141,485
FIDELITY MSCI INFORMATION TECHNOLOGY ETF COM 316092808   3,041,361 17,429 SH   SOLE   0 0 17,429
FIDELITY MSCI HEALTH ETF COM 316092600   2,925,395 40,184 SH   SOLE   0 0 40,184
FIDELITY MSCI CONSUMER STAPLES ETF COM 316092303   4,614,665 90,395 SH   SOLE   0 0 90,395
META PLATFORMS INC COM 30303M102   2,500,990 4,369 SH   SOLE   0 0 4,369
EXXON MOBIL CORPORATION COM 30231G102   537,219 4,583 SH   SOLE   0 0 4,583
DUKE ENERGY CORP COM 26441C204   464,349 4,027 SH   SOLE   0 0 4,027
DISNEY WALT COMPANY DEL COM 254687106   360,410 3,747 SH   SOLE   0 0 3,747
DIMENSIONAL US CORE EQUITY 2 ETF COM 25434V708   349,038 10,179 SH   SOLE   0 0 10,179
DEERE & CO COM 244199105   348,053 834 SH   SOLE   0 0 834
COLUMBIA EMRG MKTS CORE EX-CHINA ETF COM 19762B202   28,360,958 868,104 SH   SOLE   0 0 868,104
COEUR D ALENE MINES CORP COM 192108504   103,200 15,000 SH   SOLE   0 0 15,000
COCA COLA CO COM 191216100   493,391 6,866 SH   SOLE   0 0 6,866
CHEVRONTEXACO CORP COM 166764100   342,108 2,323 SH   SOLE   0 0 2,323
CHENIERE ENERGY INC COM 16411R208   269,760 1,500 SH   SOLE   0 0 1,500
CATERPILLER INC COM 149123101   272,676 697 SH   SOLE   0 0 697
BERKSHIRE HATHAWAY CL B COM 084670702   531,140 1,154 SH   SOLE   0 0 1,154
BAUSCH HEALTH COS INC COM 071734107   141,592 17,352 SH   SOLE   0 0 17,352
BANK OF AMERICA CORP COM 060505104   203,400 5,126 SH   SOLE   0 0 5,126
AUTO DATA PROCESSING COM 053015103   376,906 1,362 SH   SOLE   0 0 1,362
ASTRAZENECA PLC ADR COM 046353108   1,012,697 12,998 SH   SOLE   0 0 12,998
APPLE COMPUTER INC COM 037833100   1,981,503 8,504 SH   SOLE   0 0 8,504
ELEVANCE HEALTH INC COM 036752103   332,800 640 SH   SOLE   0 0 640
AMAZON COM INC COM 023135106   1,931,124 10,364 SH   SOLE   0 0 10,364
ALPHABET INC CLASS A COM 02079K305   451,775 2,724 SH   SOLE   0 0 2,724
ALPHABET INC CLASS C COM 02079K107   304,453 1,821 SH   SOLE   0 0 1,821
ABBVIE INC COM 00287Y109   351,514 1,780 SH   SOLE   0 0 1,780