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 518,334 2,414 SH   SOLE   0 0 2,414
WELLS FARGO CO COM 949746101 932,506 36,426 SH   SOLE   0 0 36,426
VIVENDI UNIVERSAL ADR COM 92826C839 506,492 2,622 SH   SOLE   0 0 2,622
VERIZON COMMUNICATIONS COM 92343V104 350,517 6,358 SH   SOLE   0 0 6,358
VANGUARD TOTAL STOCK MARKET ETF COM 922908769 2,990,662 19,106 SH   SOLE   0 0 19,106
VANGUARD VALUE ETF COM 922908744 600,229 6,027 SH   SOLE   0 0 6,027
VANGUARD MID CAP ETF COM 922908629 641,544 3,914 SH   SOLE   0 0 3,914
VANGUARD SMALL CAP VALUE ETF COM 922908611 12,243,623 114,512 SH   SOLE   0 0 114,512
VANGUARD REIT INDEX ETF COM 922908553 5,534,006 70,470 SH   SOLE   0 0 70,470
VANGUARD MID CAP VALUE ETF COM 922908512 17,142,358 179,126 SH   SOLE   0 0 179,126
VANGUARD S&P 500 ETF COM 922908363 11,343,832 40,023 SH   SOLE   0 0 40,023
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102 386,822 6,219 SH   SOLE   0 0 6,219
VANGUARD INFO TECHNOLOGY ETF COM 92204A702 8,662,028 31,079 SH   SOLE   0 0 31,079
VANGUARD HEALTH CARE ETF COM 92204A504 5,368,385 27,866 SH   SOLE   0 0 27,866
VANGUARD ENERGY ETF COM 92204A306 16,936,394 348,708 SH   SOLE   0 0 348,708
VANGUARD CONSUMR STAPLES ETF COM 92204A207 324,716 2,171 SH   SOLE   0 0 2,171
VANGUARD FTSE EMERGING MARKET ETF COM 922042858 18,355,665 463,410 SH   SOLE   0 0 463,410
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676 13,344,433 285,993 SH   SOLE   0 0 285,993
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407 10,098,940 174,934 SH   SOLE   0 0 174,934
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885 23,487,486 302,051 SH   SOLE   0 0 302,051
VANGUARD MSCI EAFE ETF COM 921943858 646,823 16,675 SH   SOLE   0 0 16,675
UNITEDHEALTH GROUP INC COM 91324P102 425,613 1,443 SH   SOLE   0 0 1,443
UNION PACIFIC CORP COM 907818108 316,668 1,873 SH   SOLE   0 0 1,873
TRUIST FIINANCIAL CORP COM 89832Q109 2,396,216 63,814 SH   SOLE   0 0 63,814
TEXAS INSTRUMENTS INC COM 882508104 405,161 3,191 SH   SOLE   0 0 3,191
SCHWAB US TIPS ETF COM 808524870 13,047,388 217,384 SH   SOLE   0 0 217,384
SCHWAB SHORT TERM US TREASURY COM 808524862 12,521,204 242,518 SH   SOLE   0 0 242,518
SCHWAB US REIT ETF COM 808524847 2,052,410 58,274 SH   SOLE   0 0 58,274
SCHWAB US AGGREGATE BOND ETF COM 808524839 22,715,730 403,907 SH   SOLE   0 0 403,907
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706 12,474,260 512,290 SH   SOLE   0 0 512,290
SCHWAB US LARGE CAP VALUE ETF COM 808524409 774,450 15,455 SH   SOLE   0 0 15,455
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 2,992,485 29,471 SH   SOLE   0 0 29,471
SPDR USA STRATEGIC FACTORS COM 78468R812 5,484,581 62,106 SH   SOLE   0 0 62,106
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839 5,941,940 139,384 SH   SOLE   0 0 139,384
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300 2,890,712 58,850 SH   SOLE   0 0 58,850
SPDR SOLACTIVE CANADA ETF COM 78463X376 6,177,158 114,901 SH   SOLE   0 0 114,901
SPDR SOLACTIVE GERMANY ETF COM 78463X350 1,654,970 30,272 SH   SOLE   0 0 30,272
SPDR SOLACTIVE UNITED KINGDOM ETF COM 78463X335 5,603,773 141,508 SH   SOLE   0 0 141,508
SPDR SOLACTIVE HONG KONG ETF COM 78463X145 6,741,902 117,543 SH   SOLE   0 0 117,543
ROSETTA STONE INC COM 777780107 168,600 10,000 SH   SOLE   0 0 10,000
PROCTER & GAMBLE CO COM 742718109 232,564 1,945 SH   SOLE   0 0 1,945
MICROSOFT COM 594918104 737,988 3,626 SH   SOLE   0 0 3,626
MC DONALDS CORP COM 580135101 362,115 1,963 SH   SOLE   0 0 1,963
LOWES COMPANIES INC COM 548661107 227,947 1,687 SH   SOLE   0 0 1,687
LOCKHEED MARTIN CORP COM 539830109 273,690 750 SH   SOLE   0 0 750
JOHNSON & JOHNSON COM 478160104 424,281 3,017 SH   SOLE   0 0 3,017
JP MORGAN CHASE & CO COM 46625H100 244,932 2,604 SH   SOLE   0 0 2,604
ISHARES MSCI DENMARK ETF COM 46429B523 1,786,706 24,250 SH   SOLE   0 0 24,250
ISHARES MSCI FINLAND ETF COM 46429B515 2,085,162 58,248 SH   SOLE   0 0 58,248
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507 5,278,485 139,458 SH   SOLE   0 0 139,458
ISHARES MSCI NEW ZEALAND COM 464289123 4,372,204 77,152 SH   SOLE   0 0 77,152
ISHARES CORE S&P US VALUE ETF COM 464287663 228,454 4,374 SH   SOLE   0 0 4,374
ISHARES RUSSELL 2000 VALUE COM 464287630 1,065,433 10,932 SH   SOLE   0 0 10,932
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 439,048 3,212 SH   SOLE   0 0 3,212
ISHARES S&P GLOBAL HEALTHCARE COM 464287325 1,969,653 28,637 SH   SOLE   0 0 28,637
ISHARES GLOBAL TECHNOLOGY COM 464287291 2,931,295 12,445 SH   SOLE   0 0 12,445
ISHARES MSCI HONG KONG COM 464286871 3,601,337 168,523 SH   SOLE   0 0 168,523
ISHARES MSCI NETHERLANDS COM 464286814 4,232,576 129,397 SH   SOLE   0 0 129,397
ISHARES MSCI SWEDEN COM 464286756 1,662,680 53,514 SH   SOLE   0 0 53,514
ISHARES MSCI SWITZERLAND COM 464286749 2,617,255 67,178 SH   SOLE   0 0 67,178
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640 4,276,910 169,719 SH   SOLE   0 0 169,719
ISHARES MSCI GLOBAL SILVER MINERS COM 464286327 133,900 10,000 SH   SOLE   0 0 10,000
ISHARES MSCI AUSTRALIA COM 464286103 373,992 19,408 SH   SOLE   0 0 19,408
HONEYWELL INTERNATIONAL COM 438516106 248,984 1,722 SH   SOLE   0 0 1,722
GLOBAL X FTSE NORDIC 30 ETF COM 37950E101 594,141 27,627 SH   SOLE   0 0 27,627
GMS INC COM 36251C103 268,842 10,933 SH   SOLE   0 0 10,933
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843 7,345,935 326,486 SH   SOLE   0 0 326,486
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694 4,837,976 180,537 SH   SOLE   0 0 180,537
FISERV INC COM 337738108 312,384 3,200 SH   SOLE   0 0 3,200
EXXON MOBIL CORPORATION COM 30231G102 451,359 10,093 SH   SOLE   0 0 10,093
DOMINION RES INC VA NEW COM 25746U109 321,222 3,957 SH   SOLE   0 0 3,957
DISNEY WALT COMPANY DEL COM 254687106 505,229 4,531 SH   SOLE   0 0 4,531
COGENT COMMUN GROUP NEW COM 19239V302 432,984 5,597 SH   SOLE   0 0 5,597
COEUR D ALENE MINES CORP COM 192108504 279,400 55,000 SH   SOLE   0 0 55,000
CHEVRONTEXACO CORP COM 166764100 504,506 5,654 SH   SOLE   0 0 5,654
BERKSHIRE HATHAWAY CL B COM 084670702 277,226 1,553 SH   SOLE   0 0 1,553
APPLE COMPUTER INC COM 037833100 651,216 2,385 SH   SOLE   0 0 2,385
AMPIO PHARMACEUTICAL COM 03209T109 15,286 24,000 SH   SOLE   0 0 24,000
ACELRX PHARMACEUTICALS COM 00444T100 13,559 11,206 SH   SOLE   0 0 11,206