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 630,561 2,414 SH   SOLE   0 0 2,414
WELLS FARGO CO COM 949746101 1,085,212 35,958 SH   SOLE   0 0 35,958
VIVENDI UNIVERSAL ADR COM 92826C839 573,510 2,622 SH   SOLE   0 0 2,622
VERIZON COMMUNICATIONS COM 92343V104 360,196 6,131 SH   SOLE   0 0 6,131
VANGUARD TOTAL STOCK MARKET ETF COM 922908769 3,040,277 15,620 SH   SOLE   0 0 15,620
VANGUARD VALUE ETF COM 922908744 701,507 5,897 SH   SOLE   0 0 5,897
VANGUARD MID CAP ETF COM 922908629 809,091 3,913 SH   SOLE   0 0 3,913
VANGUARD SMALL CAP VALUE ETF COM 922908611 11,379,075 80,016 SH   SOLE   0 0 80,016
VANGUARD REIT INDEX ETF COM 922908553 5,632,299 66,317 SH   SOLE   0 0 66,317
VANGUARD MID CAP VALUE ETF COM 922908512 23,703,970 199,260 SH   SOLE   0 0 199,260
VANGUARD S&P 500 ETF COM 922908363 7,099,398 20,656 SH   SOLE   0 0 20,656
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102 383,090 6,219 SH   SOLE   0 0 6,219
VANGUARD INFO TECHNOLOGY ETF COM 92204A702 20,561,567 58,118 SH   SOLE   0 0 58,118
VANGUARD HEALTH CARE ETF COM 92204A504 16,924,056 75,645 SH   SOLE   0 0 75,645
VANGUARD CONSUMER STAPLES ETF COM 92204A207 19,247,379 110,668 SH   SOLE   0 0 110,668
VANGUARD FTSE EMERGING MARKET ETF COM 922042858 22,496,706 448,946 SH   SOLE   0 0 448,946
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676 15,701,293 289,105 SH   SOLE   0 0 289,105
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407 11,979,564 204,604 SH   SOLE   0 0 204,604
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885 28,816,357 350,138 SH   SOLE   0 0 350,138
VANGUARD MSCI EAFE ETF COM 921943858 336,371 7,125 SH   SOLE   0 0 7,125
VANGUARD TOTAL BOND MARKET ETF COM 921937835 211,480 2,398 SH   SOLE   0 0 2,398
UNITEDHEALTH GROUP INC COM 91324P102 506,031 1,443 SH   SOLE   0 0 1,443
UNION PACIFIC CORP COM 907818108 389,996 1,873 SH   SOLE   0 0 1,873
TRUIST FINANCIAL CORP COM 89832Q109 3,039,673 63,419 SH   SOLE   0 0 63,419
TEXAS INSTRUMENTS INC COM 882508104 523,739 3,191 SH   SOLE   0 0 3,191
SCHWAB US TIPS ETF COM 808524870 16,528,365 266,243 SH   SOLE   0 0 266,243
SCHWAB SHORT TERM US TREASURY COM 808524862 14,665,730 285,381 SH   SOLE   0 0 285,381
SCHWAB US REIT ETF COM 808524847 1,939,356 51,076 SH   SOLE   0 0 51,076
SCHWAB US AGGREGATE BOND ETF COM 808524839 27,239,097 486,152 SH   SOLE   0 0 486,152
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706 13,268,046 432,889 SH   SOLE   0 0 432,889
SCHWAB US LARGE CAP VALUE ETF COM 808524409 706,026 11,860 SH   SOLE   0 0 11,860
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 1,612,573 12,558 SH   SOLE   0 0 12,558
SPDR USA STRATEGIC FACTORS COM 78468R812 4,498,583 43,061 SH   SOLE   0 0 43,061
SPDR S&P BIOTECH ETF COM 78464A870 3,842,590 27,295 SH   SOLE   0 0 27,295
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839 6,124,370 110,349 SH   SOLE   0 0 110,349
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300 2,301,162 34,766 SH   SOLE   0 0 34,766
SPDR SOLACTIVE CANADA ETF COM 78463X376 5,226,877 81,824 SH   SOLE   0 0 81,824
SPDR SOLACTIVE GERMANY ETF COM 78463X350 244,723 3,864 SH   SOLE   0 0 3,864
SPDR SOLACTIVE UNITED KINGDOM ETF COM 78463X335 7,786,973 169,564 SH   SOLE   0 0 169,564
SPDR SOLACTIVE HONG KONG ETF COM 78463X145 5,886,632 88,987 SH   SOLE   0 0 88,987
ROKU I N C COM 77543R102 338,660 1,020 SH   SOLE   0 0 1,020
PROCTER & GAMBLE CO COM 742718109 270,627 1,945 SH   SOLE   0 0 1,945
PNC FINL SERVICES GP INC COM 693475105 223,500 1,500 SH   SOLE   0 0 1,500
NORFOLK SOUTHERN CORP COM 655844108 249,015 1,048 SH   SOLE   0 0 1,048
N V R INC COM 62944T105 240,712 59 SH   SOLE   0 0 59
MICROSOFT COM 594918104 821,630 3,694 SH   SOLE   0 0 3,694
MC DONALDS CORP COM 580135101 421,221 1,963 SH   SOLE   0 0 1,963
LOWES COMPANIES INC COM 548661107 270,780 1,687 SH   SOLE   0 0 1,687
LOCKHEED MARTIN CORP COM 539830109 266,235 750 SH   SOLE   0 0 750
JOHNSON & JOHNSON COM 478160104 467,576 2,971 SH   SOLE   0 0 2,971
JP MORGAN CHASE & CO COM 46625H100 299,123 2,354 SH   SOLE   0 0 2,354
ISHARES MSCI DENMARK ETF COM 46429B523 7,477,316 76,604 SH   SOLE   0 0 76,604
ISHARES MSCI FINLAND ETF COM 46429B515 3,370,203 76,094 SH   SOLE   0 0 76,094
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507 5,909,005 117,010 SH   SOLE   0 0 117,010
ISHARES MSCI NEW ZEALAND COM 464289123 6,846,140 100,575 SH   SOLE   0 0 100,575
ISHARES RUSSELL 2000 VALUE COM 464287630 621,728 4,719 SH   SOLE   0 0 4,719
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 498,856 3,293 SH   SOLE   0 0 3,293
ISHARES RUSSELL MIDCAP VALUE COM 464287473 213,506 2,202 SH   SOLE   0 0 2,202
ISHARES S&P GLOBAL HEALTHCARE COM 464287325 2,099,776 27,466 SH   SOLE   0 0 27,466
ISHARES GLOBAL TECHNOLOGY COM 464287291 2,725,354 9,083 SH   SOLE   0 0 9,083
ISHARES MSCI HONG KONG COM 464286871 2,264,022 91,884 SH   SOLE   0 0 91,884
ISHARES MSCI NETHERLANDS COM 464286814 4,650,543 112,495 SH   SOLE   0 0 112,495
ISHARES MSCI SWEDEN COM 464286756 216,233 5,433 SH   SOLE   0 0 5,433
ISHARES MSCI SWITZERLAND COM 464286749 2,481,706 55,544 SH   SOLE   0 0 55,544
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640 4,610,761 152,624 SH   SOLE   0 0 152,624
ISHARES MSCI AUSTRALIA COM 464286103 210,544 8,791 SH   SOLE   0 0 8,791
HONEYWELL INTERNATIONAL COM 438516106 366,269 1,722 SH   SOLE   0 0 1,722
GLOBAL X FTSE NORDIC 30 ETF COM 37950E101 251,815 9,244 SH   SOLE   0 0 9,244
GENERAC HOLDINGS INC COM 368736104 409,338 1,800 SH   SOLE   0 0 1,800
GMS INC COM 36251C103 333,238 10,933 SH   SOLE   0 0 10,933
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843 7,514,349 266,335 SH   SOLE   0 0 266,335
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694 9,918,668 323,822 SH   SOLE   0 0 323,822
FISERV INC COM 337738108 364,352 3,200 SH   SOLE   0 0 3,200
EXXON MOBIL CORPORATION COM 30231G102 295,589 7,171 SH   SOLE   0 0 7,171
DOMINION RES INC VA NEW COM 25746U109 288,461 3,836 SH   SOLE   0 0 3,836
DISNEY WALT COMPANY DEL COM 254687106 750,758 4,144 SH   SOLE   0 0 4,144
COGENT COMMUN GROUP NEW COM 19239V302 241,935 4,041 SH   SOLE   0 0 4,041
CEMEX SA ADR NEW COM 151290889 51,700 10,000 SH   SOLE   0 0 10,000
BERKSHIRE HATHAWAY CL B COM 084670702 314,879 1,358 SH   SOLE   0 0 1,358
AUTO DATA PROCESSING COM 053015103 217,431 1,234 SH   SOLE   0 0 1,234
APPLE COMPUTER INC COM 037833100 1,124,047 8,471 SH   SOLE   0 0 8,471
AMPIO PHARMACEUTICAL COM 03209T109 38,160 24,000 SH   SOLE   0 0 24,000
AMAZON COM INC COM 023135106 254,041 78 SH   SOLE   0 0 78
ALPHABET INC CLASS A COM 02079K305 201,554 115 SH   SOLE   0 0 115
ALPHABET INC CLASS C COM 02079K107 210,226 120 SH   SOLE   0 0 120
ACELRX PHARMACEUTICALS COM 00444T100 13,895 11,206 SH   SOLE   0 0 11,206