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 545,540 2,414 SH   SOLE   0 0 2,414
WELLS FARGO CO COM 949746101 856,375 36,426 SH   SOLE   0 0 36,426
VIVENDI UNIVERSAL ADR COM 92826C839 524,321 2,622 SH   SOLE   0 0 2,622
VERIZON COMMUNICATIONS COM 92343V104 371,099 6,238 SH   SOLE   0 0 6,238
VANGUARD TOTAL STOCK MARKET ETF COM 922908769 2,682,382 15,750 SH   SOLE   0 0 15,750
VANGUARD VALUE ETF COM 922908744 629,882 6,027 SH   SOLE   0 0 6,027
VANGUARD MID CAP ETF COM 922908629 689,705 3,913 SH   SOLE   0 0 3,913
VANGUARD SMALL CAP VALUE ETF COM 922908611 9,033,714 81,657 SH   SOLE   0 0 81,657
VANGUARD REIT INDEX ETF COM 922908553 6,068,783 76,859 SH   SOLE   0 0 76,859
VANGUARD MID CAP VALUE ETF COM 922908512 19,213,873 189,542 SH   SOLE   0 0 189,542
VANGUARD S&P 500 ETF COM 922908363 7,041,923 22,889 SH   SOLE   0 0 22,889
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102 386,138 6,219 SH   SOLE   0 0 6,219
VANGUARD INFO TECHNOLOGY ETF COM 92204A702 15,029,020 48,255 SH   SOLE   0 0 48,255
VANGUARD HEALTH CARE ETF COM 92204A504 12,281,820 60,205 SH   SOLE   0 0 60,205
VANGUARD ENERGY ETF COM 92204A306 5,891,347 152,151 SH   SOLE   0 0 152,151
VANGUARD CONSUMER STAPLES ETF COM 92204A207 15,880,552 97,212 SH   SOLE   0 0 97,212
VANGUARD FTSE EMERGING MARKET ETF COM 922042858 19,293,467 446,195 SH   SOLE   0 0 446,195
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676 11,131,058 228,987 SH   SOLE   0 0 228,987
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407 11,317,625 194,511 SH   SOLE   0 0 194,511
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885 26,113,296 330,967 SH   SOLE   0 0 330,967
VANGUARD MSCI EAFE ETF COM 921943858 358,898 8,775 SH   SOLE   0 0 8,775
UNITEDHEALTH GROUP INC COM 91324P102 449,884 1,443 SH   SOLE   0 0 1,443
UNION PACIFIC CORP COM 907818108 368,738 1,873 SH   SOLE   0 0 1,873
TRUIST FIINANCIAL CORP COM 89832Q109 2,424,127 63,709 SH   SOLE   0 0 63,709
TEXAS INSTRUMENTS INC COM 882508104 455,643 3,191 SH   SOLE   0 0 3,191
SCHWAB US TIPS ETF COM 808524870 15,191,672 246,498 SH   SOLE   0 0 246,498
SCHWAB SHORT TERM US TREASURY COM 808524862 13,849,483 268,922 SH   SOLE   0 0 268,922
SCHWAB US REIT ETF COM 808524847 2,550,955 72,122 SH   SOLE   0 0 72,122
SCHWAB US AGGREGATE BOND ETF COM 808524839 25,242,169 450,110 SH   SOLE   0 0 450,110
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706 12,143,740 453,802 SH   SOLE   0 0 453,802
SCHWAB US LARGE CAP VALUE ETF COM 808524409 558,172 10,695 SH   SOLE   0 0 10,695
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 1,656,490 14,383 SH   SOLE   0 0 14,383
SPDR USA STRATEGIC FACTORS COM 78468R812 4,231,191 44,713 SH   SOLE   0 0 44,713
SPDR S&P BIOTECH ETF COM 78464A870 2,653,260 23,811 SH   SOLE   0 0 23,811
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839 5,397,369 124,392 SH   SOLE   0 0 124,392
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300 1,791,819 35,772 SH   SOLE   0 0 35,772
SPDR SOLACTIVE CANADA ETF COM 78463X376 5,629,106 98,687 SH   SOLE   0 0 98,687
SPDR SOLACTIVE GERMANY ETF COM 78463X350 451,451 7,652 SH   SOLE   0 0 7,652
SPDR SOLACTIVE UNITED KINGDOM ETF COM 78463X335 5,899,563 150,204 SH   SOLE   0 0 150,204
SPDR SOLACTIVE HONG KONG ETF COM 78463X145 7,580,310 130,043 SH   SOLE   0 0 130,043
PROCTER & GAMBLE CO COM 742718109 270,336 1,945 SH   SOLE   0 0 1,945
NORFOLK SOUTHERN CORP COM 655844108 224,262 1,048 SH   SOLE   0 0 1,048
N V R INC COM 62944T105 240,904 59 SH   SOLE   0 0 59
MICROSOFT COM 594918104 762,719 3,626 SH   SOLE   0 0 3,626
MC DONALDS CORP COM 580135101 430,859 1,963 SH   SOLE   0 0 1,963
LOWES COMPANIES INC COM 548661107 279,806 1,687 SH   SOLE   0 0 1,687
LOCKHEED MARTIN CORP COM 539830109 287,460 750 SH   SOLE   0 0 750
JOHNSON & JOHNSON COM 478160104 448,575 3,013 SH   SOLE   0 0 3,013
JP MORGAN CHASE & CO COM 46625H100 250,687 2,604 SH   SOLE   0 0 2,604
ISHARES MSCI DENMARK ETF COM 46429B523 3,244,743 38,329 SH   SOLE   0 0 38,329
ISHARES MSCI FINLAND ETF COM 46429B515 3,039,446 75,677 SH   SOLE   0 0 75,677
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507 4,397,747 109,779 SH   SOLE   0 0 109,779
ISHARES MSCI NEW ZEALAND COM 464289123 4,532,196 78,766 SH   SOLE   0 0 78,766
ISHARES RUSSELL 2000 VALUE COM 464287630 707,726 7,125 SH   SOLE   0 0 7,125
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 434,936 3,212 SH   SOLE   0 0 3,212
ISHARES S&P GLOBAL HEALTHCARE COM 464287325 2,013,330 28,033 SH   SOLE   0 0 28,033
ISHARES GLOBAL TECHNOLOGY COM 464287291 2,427,873 9,208 SH   SOLE   0 0 9,208
ISHARES MSCI HONG KONG COM 464286871 3,392,164 154,752 SH   SOLE   0 0 154,752
ISHARES MSCI NETHERLANDS COM 464286814 3,966,162 113,872 SH   SOLE   0 0 113,872
ISHARES MSCI SWEDEN COM 464286756 535,052 15,153 SH   SOLE   0 0 15,153
ISHARES MSCI SWITZERLAND COM 464286749 2,343,290 57,056 SH   SOLE   0 0 57,056
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640 4,077,610 169,266 SH   SOLE   0 0 169,266
ISHARES MSCI AUSTRALIA COM 464286103 256,794 13,022 SH   SOLE   0 0 13,022
HONEYWELL INTERNATIONAL COM 438516106 283,458 1,722 SH   SOLE   0 0 1,722
GLOBAL X FTSE NORDIC 30 ETF COM 37950E101 267,737 10,908 SH   SOLE   0 0 10,908
GMS INC COM 36251C103 263,485 10,933 SH   SOLE   0 0 10,933
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843 6,829,561 293,040 SH   SOLE   0 0 293,040
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694 5,723,914 203,194 SH   SOLE   0 0 203,194
FISERV INC COM 337738108 329,760 3,200 SH   SOLE   0 0 3,200
EXXON MOBIL CORPORATION COM 30231G102 289,642 8,437 SH   SOLE   0 0 8,437
DOMINION RES INC VA NEW COM 25746U109 312,240 3,956 SH   SOLE   0 0 3,956
DISNEY WALT COMPANY DEL COM 254687106 514,659 4,148 SH   SOLE   0 0 4,148
COGENT COMMUN GROUP NEW COM 19239V302 268,784 4,476 SH   SOLE   0 0 4,476
COEUR D ALENE MINES CORP COM 192108504 221,400 30,000 SH   SOLE   0 0 30,000
CHEVRONTEXACO CORP COM 166764100 230,760 3,205 SH   SOLE   0 0 3,205
BERKSHIRE HATHAWAY CL B COM 084670702 314,299 1,476 SH   SOLE   0 0 1,476
APPLE COMPUTER INC COM 037833100 968,233 8,361 SH   SOLE   0 0 8,361
AMPIO PHARMACEUTICAL COM 03209T109 22,968 24,000 SH   SOLE   0 0 24,000
AMAZON COM INC COM 023135106 223,560 71 SH   SOLE   0 0 71
ACELRX PHARMACEUTICALS COM 00444T100 15,913 11,206 SH   SOLE   0 0 11,206