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 373,398 2,414 SH   SOLE   0 0 2,414
WELLS FARGO CO COM 949746101 977,749 36,799 SH   SOLE   0 0 36,799
VIVENDI UNIVERSAL ADR COM 92826C839 401,454 2,622 SH   SOLE   0 0 2,622
VERIZON COMMUNICATIONS COM 92343V104 369,316 6,979 SH   SOLE   0 0 6,979
VANGUARD TOTAL STOCK MARKET ETF COM 922908769 2,380,260 19,358 SH   SOLE   0 0 19,358
VANGUARD VALUE ETF COM 922908744 534,136 6,267 SH   SOLE   0 0 6,267
VANGUARD MID CAP ETF COM 922908629 490,385 3,914 SH   SOLE   0 0 3,914
VANGUARD SMALL CAP VALUE ETF COM 922908611 9,542,059 114,702 SH   SOLE   0 0 114,702
VANGUARD REIT INDEX ETF COM 922908553 2,986,556 45,764 SH   SOLE   0 0 45,764
VANGUARD MID CAP VALUE ETF COM 922908512 11,564,213 150,419 SH   SOLE   0 0 150,419
VANGUARD S&P 500 ETF COM 922908363 9,133,610 40,387 SH   SOLE   0 0 40,387
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102 387,195 6,219 SH   SOLE   0 0 6,219
VANGUARD INFO TECHNOLOGY ETF COM 92204A702 6,221,740 30,819 SH   SOLE   0 0 30,819
VANGUARD HEALTH CARE ETF COM 92204A504 3,966,131 24,852 SH   SOLE   0 0 24,852
VANGUARD ENERGY ETF COM 92204A306 15,591,569 427,870 SH   SOLE   0 0 427,870
VANGUARD FTSE EMERGING MARKET ETF COM 922042858 14,858,155 459,152 SH   SOLE   0 0 459,152
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676 8,343,065 201,426 SH   SOLE   0 0 201,426
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407 10,007,206 178,318 SH   SOLE   0 0 178,318
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885 18,459,100 272,620 SH   SOLE   0 0 272,620
VANGUARD MSCI EAFE ETF COM 921943858 661,796 20,772 SH   SOLE   0 0 20,772
UNITEDHEALTH GROUP INC COM 91324P102 342,453 1,443 SH   SOLE   0 0 1,443
UNION PACIFIC CORP COM 907818108 255,646 1,873 SH   SOLE   0 0 1,873
TRUIST FIINANCIAL CORP COM 89832Q109 1,816,785 63,814 SH   SOLE   0 0 63,814
TEXAS INSTRUMENTS INC COM 882508104 309,176 3,191 SH   SOLE   0 0 3,191
SCHWAB US TIPS ETF COM 808524870 13,165,377 228,209 SH   SOLE   0 0 228,209
SCHWAB SHORT TERM US TREASURY COM 808524862 12,862,584 248,889 SH   SOLE   0 0 248,889
SCHWAB US REIT ETF COM 808524847 1,069,645 35,151 SH   SOLE   0 0 35,151
SCHWAB US AGGREGATE BOND ETF COM 808524839 22,298,030 410,041 SH   SOLE   0 0 410,041
SCHWAB INTERNATIONAL EQUITY ETF COM 808524805 212,840 8,645 SH   SOLE   0 0 8,645
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706 11,719,385 589,803 SH   SOLE   0 0 589,803
SCHWAB US LARGE CAP VALUE ETF COM 808524409 688,530 16,312 SH   SOLE   0 0 16,312
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 2,730,321 35,930 SH   SOLE   0 0 35,930
SPDR USA STRATEGIC FACTORS COM 78468R812 4,213,454 57,404 SH   SOLE   0 0 57,404
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839 3,946,143 119,039 SH   SOLE   0 0 119,039
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300 2,135,004 56,140 SH   SOLE   0 0 56,140
SPDR SOLACTIVE CANADA ETF COM 78463X376 5,351,871 122,279 SH   SOLE   0 0 122,279
SPDR SOLACTIVE GERMANY ETF COM 78463X350 2,283,986 54,725 SH   SOLE   0 0 54,725
SPDR SOLACTIVE UNITED KINGDOM ETF COM 78463X335 5,185,067 147,925 SH   SOLE   0 0 147,925
SPDR SOLACTIVE HONG KONG ETF COM 78463X145 3,965,784 77,684 SH   SOLE   0 0 77,684
SPDR S&P 500 ETF COM 78462F103 548,422 2,228 SH   SOLE   0 0 2,228
ROSETTA STONE INC COM 777780107 127,900 10,000 SH   SOLE   0 0 10,000
PROCTER & GAMBLE CO COM 742718109 212,647 1,945 SH   SOLE   0 0 1,945
MICROSOFT COM 594918104 551,596 3,626 SH   SOLE   0 0 3,626
MC DONALDS CORP COM 580135101 310,488 1,963 SH   SOLE   0 0 1,963
LOCKHEED MARTIN CORP COM 539830109 253,890 750 SH   SOLE   0 0 750
JOHNSON & JOHNSON COM 478160104 397,894 3,089 SH   SOLE   0 0 3,089
JP MORGAN CHASE & CO COM 46625H100 236,630 2,805 SH   SOLE   0 0 2,805
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507 4,565,670 149,596 SH   SOLE   0 0 149,596
ISHARES MSCI NEW ZEALAND COM 464289123 3,099,174 69,707 SH   SOLE   0 0 69,707
ISHARES DJ US ENERGY COM 464287796 225,990 15,500 SH   SOLE   0 0 15,500
ISHARES CORE S&P US VALUE ETF COM 464287663 338,447 7,685 SH   SOLE   0 0 7,685
ISHARES RUSSELL 2000 VALUE COM 464287630 897,549 11,725 SH   SOLE   0 0 11,725
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 333,373 3,212 SH   SOLE   0 0 3,212
ISHARES S&P GLOBAL HEALTHCARE COM 464287325 1,734,059 29,536 SH   SOLE   0 0 29,536
ISHARES GLOBAL TECHNOLOGY COM 464287291 2,245,317 12,999 SH   SOLE   0 0 12,999
ISHARES MSCI HONG KONG COM 464286871 4,454,181 231,026 SH   SOLE   0 0 231,026
ISHARES MSCI NETHERLANDS COM 464286814 3,412,930 137,286 SH   SOLE   0 0 137,286
ISHARES MSCI SWEDEN COM 464286756 2,454,923 101,569 SH   SOLE   0 0 101,569
ISHARES MSCI SWITZERLAND COM 464286749 3,254,972 94,347 SH   SOLE   0 0 94,347
ISHARES MSCI PACIFIC EX-JAPAN COM 464286665 530,962 16,178 SH   SOLE   0 0 16,178
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640 3,340,551 158,621 SH   SOLE   0 0 158,621
ISHARES MSCI GLOBAL SILVER MINERS COM 464286327 152,800 20,000 SH   SOLE   0 0 20,000
ISHARES MSCI AUSTRALIA COM 464286103 613,249 40,856 SH   SOLE   0 0 40,856
HONEYWELL INTERNATIONAL COM 438516106 223,361 1,722 SH   SOLE   0 0 1,722
GLOBAL X FTSE NORDIC 30 ETF COM 37950E101 1,007,498 57,442 SH   SOLE   0 0 57,442
GMS INC COM 36251C103 158,638 10,933 SH   SOLE   0 0 10,933
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843 5,146,817 294,272 SH   SOLE   0 0 294,272
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694 3,604,372 151,448 SH   SOLE   0 0 151,448
FISERV INC COM 337738108 281,632 3,200 SH   SOLE   0 0 3,200
EXXON MOBIL CORPORATION COM 30231G102 403,020 10,739 SH   SOLE   0 0 10,739
DOMINION RES INC VA NEW COM 25746U109 276,643 3,956 SH   SOLE   0 0 3,956
DISNEY WALT COMPANY DEL COM 254687106 430,850 4,539 SH   SOLE   0 0 4,539
COMCAST CORP NEW CL A COM 20030N101 204,700 6,314 SH   SOLE   0 0 6,314
COGENT COMMUN GROUP NEW COM 19239V302 452,629 5,597 SH   SOLE   0 0 5,597
COEUR D ALENE MINES CORP COM 192108504 145,200 55,000 SH   SOLE   0 0 55,000
CHEVRONTEXACO CORP COM 166764100 396,517 5,784 SH   SOLE   0 0 5,784
BERKSHIRE HATHAWAY CL B COM 084670702 287,854 1,636 SH   SOLE   0 0 1,636
APPLE COMPUTER INC COM 037833100 599,521 2,489 SH   SOLE   0 0 2,489
AMPIO PHARMACEUTICAL COM 03209T109 12,720 24,000 SH   SOLE   0 0 24,000
ACELRX PHARMACEUTICALS COM 00444T100 11,542 11,206 SH   SOLE   0 0 11,206