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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC CL A COM G1151C101 501,629 2,414 SH   SOLE   0 0 2,414
WELLS FARGO CO COM 949746101 1,744,430 37,021 SH   SOLE   0 0 37,021
VIVENDI UNIVERSAL ADR COM 92826C839 526,524 2,622 SH   SOLE   0 0 2,622
VERIZON COMMUNICATIONS COM 92343V104 420,282 7,240 SH   SOLE   0 0 7,240
VANGUARD TOTAL STOCK MARKET ETF COM 922908769 3,457,397 20,959 SH   SOLE   0 0 20,959
VANGUARD VALUE ETF COM 922908744 749,238 6,389 SH   SOLE   0 0 6,389
VANGUARD MID CAP ETF COM 922908629 701,232 3,914 SH   SOLE   0 0 3,914
VANGUARD SMALL CAP VALUE ETF COM 922908611 15,293,307 114,488 SH   SOLE   0 0 114,488
VANGUARD REIT INDEX ETF COM 922908553 4,238,157 44,972 SH   SOLE   0 0 44,972
VANGUARD MID CAP VALUE ETF COM 922908512 17,322,400 146,800 SH   SOLE   0 0 146,800
VANGUARD S&P 500 ETF COM 922908363 11,602,774 38,956 SH   SOLE   0 0 38,956
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102 388,459 6,364 SH   SOLE   0 0 6,364
VANGUARD INFO TECHNOLOGY ETF COM 92204A702 7,816,842 30,372 SH   SOLE   0 0 30,372
VANGUARD HEALTH CARE ETF COM 92204A504 4,053,465 21,481 SH   SOLE   0 0 21,481
VANGUARD ENERGY ETF COM 92204A306 17,977,126 253,235 SH   SOLE   0 0 253,235
VANGUARD FTSE EMERGING MARKET ETF COM 922042858 15,288,037 361,334 SH   SOLE   0 0 361,334
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676 11,573,633 201,561 SH   SOLE   0 0 201,561
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407 10,821,103 187,736 SH   SOLE   0 0 187,736
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885 24,936,057 303,543 SH   SOLE   0 0 303,543
VANGUARD MSCI EAFE ETF COM 921943858 1,288,330 30,038 SH   SOLE   0 0 30,038
VANGUARD TOTAL BOND MARKET ETF COM 921937835 209,143 2,453 SH   SOLE   0 0 2,453
UNITEDHEALTH GROUP INC COM 91324P102 395,411 1,443 SH   SOLE   0 0 1,443
UNION PACIFIC CORP COM 907818108 337,683 1,873 SH   SOLE   0 0 1,873
TRUIST FIINANCIAL CORP COM 89832Q109 3,469,253 66,081 SH   SOLE   0 0 66,081
TEXAS INSTRUMENTS INC COM 882508104 393,769 3,191 SH   SOLE   0 0 3,191
SCHWAB US TIPS ETF COM 808524870 14,644,837 253,898 SH   SOLE   0 0 253,898
SCHWAB SHORT TERM US TREASURY COM 808524862 13,805,802 272,465 SH   SOLE   0 0 272,465
SCHWAB US REIT ETF COM 808524847 1,647,248 35,647 SH   SOLE   0 0 35,647
SCHWAB US AGGREGATE BOND ETF COM 808524839 23,461,373 431,672 SH   SOLE   0 0 431,672
SCHWAB INTERNATIONAL EQUITY ETF COM 808524805 476,556 14,538 SH   SOLE   0 0 14,538
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706 17,780,035 682,535 SH   SOLE   0 0 682,535
SCHWAB US LARGE CAP VALUE ETF COM 808524409 1,147,113 19,469 SH   SOLE   0 0 19,469
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 3,233,656 33,447 SH   SOLE   0 0 33,447
SPDR USA STRATEGIC FACTORS COM 78468R812 4,823,800 50,474 SH   SOLE   0 0 50,474
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839 3,329,268 62,769 SH   SOLE   0 0 62,769
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300 2,889,978 46,590 SH   SOLE   0 0 46,590
SPDR SOLACTIVE CANADA ETF COM 78463X376 8,021,174 129,529 SH   SOLE   0 0 129,529
SPDR SOLACTIVE GERMANY ETF COM 78463X350 3,209,336 54,988 SH   SOLE   0 0 54,988
SPDR SOLACTIVE UNITED KINGDOM ETF COM 78463X335 6,116,137 123,157 SH   SOLE   0 0 123,157
SPDR SOLACTIVE HONG KONG ETF COM 78463X145 3,020,295 50,028 SH   SOLE   0 0 50,028
SPDR S&P 500 ETF COM 78462F103 878,365 2,710 SH   SOLE   0 0 2,710
ROSETTA STONE INC COM 777780107 172,800 10,000 SH   SOLE   0 0 10,000
PROCTER & GAMBLE CO COM 742718109 243,339 1,945 SH   SOLE   0 0 1,945
PNC FINL SERVICES GP INC COM 693475105 224,310 1,500 SH   SOLE   0 0 1,500
NORFOLK SOUTHERN CORP COM 655844108 216,926 1,048 SH   SOLE   0 0 1,048
MICROSOFT COM 594918104 631,997 3,624 SH   SOLE   0 0 3,624
MC DONALDS CORP COM 580135101 422,398 1,963 SH   SOLE   0 0 1,963
LOCKHEED MARTIN CORP COM 539830109 317,895 750 SH   SOLE   0 0 750
LTC PROPERTIES INC COM 502175102 240,612 5,170 SH   SOLE   0 0 5,170
JOHNSON & JOHNSON COM 478160104 463,875 3,089 SH   SOLE   0 0 3,089
JP MORGAN CHASE & CO COM 46625H100 374,103 2,805 SH   SOLE   0 0 2,805
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507 6,303,014 141,847 SH   SOLE   0 0 141,847
ISHARES MSCI NEW ZEALAND COM 464289123 3,842,494 68,751 SH   SOLE   0 0 68,751
ISHARES CORE S&P US VALUE ETF COM 464287663 553,443 9,002 SH   SOLE   0 0 9,002
ISHARES RUSSELL 2000 VALUE COM 464287630 1,231,053 10,011 SH   SOLE   0 0 10,011
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 372,013 3,212 SH   SOLE   0 0 3,212
ISHARES RUSSELL MIDCAP VALUE COM 464287473 227,937 2,436 SH   SOLE   0 0 2,436
ISHARES S&P GLOBAL HEALTHCARE COM 464287325 2,052,194 30,082 SH   SOLE   0 0 30,082
ISHARES GLOBAL TECHNOLOGY COM 464287291 2,885,624 13,186 SH   SOLE   0 0 13,186
ISHARES MSCI HONG KONG COM 464286871 5,935,041 256,817 SH   SOLE   0 0 256,817
ISHARES MSCI NETHERLANDS COM 464286814 4,073,374 123,473 SH   SOLE   0 0 123,473
ISHARES MSCI SWEDEN COM 464286756 2,618,445 81,852 SH   SOLE   0 0 81,852
ISHARES MSCI SWITZERLAND COM 464286749 4,751,686 116,520 SH   SOLE   0 0 116,520
ISHARES MSCI PACIFIC EX-JAPAN COM 464286665 1,320,278 29,333 SH   SOLE   0 0 29,333
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640 3,243,267 104,319 SH   SOLE   0 0 104,319
ISHARES MSCI GLOBAL SILVER MINERS COM 464286327 517,495 50,000 SH   SOLE   0 0 50,000
ISHARES MSCI AUSTRALIA COM 464286103 2,183,390 97,866 SH   SOLE   0 0 97,866
HONEYWELL INTERNATIONAL COM 438516106 295,013 1,722 SH   SOLE   0 0 1,722
GLOBAL X FTSE NORDIC 30 ETF COM 37950E101 1,771,599 81,378 SH   SOLE   0 0 81,378
GMS INC COM 36251C103 267,935 10,333 SH   SOLE   0 0 10,333
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843 5,036,875 196,446 SH   SOLE   0 0 196,446
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694 3,632,656 130,178 SH   SOLE   0 0 130,178
FISERV INC COM 337738108 390,208 3,200 SH   SOLE   0 0 3,200
EXXON MOBIL CORPORATION COM 30231G102 727,788 11,984 SH   SOLE   0 0 11,984
DOMINION RES INC VA NEW COM 25746U109 484,481 5,644 SH   SOLE   0 0 5,644
DISNEY WALT COMPANY DEL COM 254687106 769,782 5,447 SH   SOLE   0 0 5,447
CONOCOPHILLIPS COM 20825C104 238,318 4,027 SH   SOLE   0 0 4,027
COGENT COMMUN GROUP NEW COM 19239V302 395,372 5,597 SH   SOLE   0 0 5,597
COEUR D ALENE MINES CORP COM 192108504 472,800 80,000 SH   SOLE   0 0 80,000
COCA COLA CO COM 191216100 208,603 3,561 SH   SOLE   0 0 3,561
CHEVRONTEXACO CORP COM 166764100 624,820 5,879 SH   SOLE   0 0 5,879
BERKSHIRE HATHAWAY CL B COM 084670702 366,714 1,641 SH   SOLE   0 0 1,641
AUTO DATA PROCESSING COM 053015103 214,642 1,234 SH   SOLE   0 0 1,234
APPLE COMPUTER INC COM 037833100 836,492 2,710 SH   SOLE   0 0 2,710
AMPIO PHARMACEUTICAL COM 03209T109 16,824 24,000 SH   SOLE   0 0 24,000
ALPHABET INC CLASS A COM 02079K305 207,564 140 SH   SOLE   0 0 140
ACELRX PHARMACEUTICALS COM 00444T100 18,938 11,206 SH   SOLE   0 0 11,206
AT&T CORP COM 00206R102 222,277 6,014 SH   SOLE   0 0 6,014