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
ALCON INC COM H01301128 641,071 9,110 SH   SOLE   0 0 9,110
ACCENTURE PLC CL A COM G1151C101 736,200 2,454 SH   SOLE   0 0 2,454
WELLS FARGO CO COM 949746101 1,592,937 35,079 SH   SOLE   0 0 35,079
VISA INC COM 92826C839 629,261 2,676 SH   SOLE   0 0 2,676
VERIZON COMMUNICATIONS COM 92343V104 345,564 6,139 SH   SOLE   0 0 6,139
VANGUARD TOTAL STOCK MARKET ETF COM 922908769 3,082,877 13,761 SH   SOLE   0 0 13,761
VANGUARD VALUE ETF COM 922908744 818,715 5,916 SH   SOLE   0 0 5,916
VANGUARD MID CAP ETF COM 922908629 937,900 3,932 SH   SOLE   0 0 3,932
VANGUARD SMALL CAP VALUE ETF COM 922908611 14,101,266 80,427 SH   SOLE   0 0 80,427
VANGUARD REIT INDEX ETF COM 922908553 5,697,580 55,733 SH   SOLE   0 0 55,733
VANGUARD MID CAP VALUE ETF COM 922908512 27,632,532 194,911 SH   SOLE   0 0 194,911
VANGUARD S&P 500 ETF COM 922908363 7,852,035 19,841 SH   SOLE   0 0 19,841
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102 429,984 7,003 SH   SOLE   0 0 7,003
VANGUARD INFO TECHNOLOGY ETF COM 92204A702 31,126,965 78,032 SH   SOLE   0 0 78,032
VANGUARD HEALTH CARE ETF COM 92204A504 19,358,649 77,624 SH   SOLE   0 0 77,624
VANGUARD ENERGY ETF COM 92204A306 270,487 3,501 SH   SOLE   0 0 3,501
VANGUARD CONSUMER STAPLES ETF COM 92204A207 19,154,154 105,341 SH   SOLE   0 0 105,341
VANGUARD FTSE EMERGING MARKET ETF COM 922042858 28,975,973 536,393 SH   SOLE   0 0 536,393
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676 7,691,740 131,753 SH   SOLE   0 0 131,753
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407 24,502,238 429,111 SH   SOLE   0 0 429,111
VANGUARD SHORT INFLATION-PROTECTED ETF COM 922020805 23,018,836 443,352 SH   SOLE   0 0 443,352
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885 18,592,571 233,810 SH   SOLE   0 0 233,810
VANGUARD MSCI EAFE ETF COM 921943858 308,677 5,974 SH   SOLE   0 0 5,974
UNITEDHEALTH GROUP INC COM 91324P102 587,495 1,451 SH   SOLE   0 0 1,451
UNION PACIFIC CORP COM 907818108 420,721 1,882 SH   SOLE   0 0 1,882
TRUIST FINANCIAL CORP COM 89832Q109 3,114,122 55,313 SH   SOLE   0 0 55,313
TEXAS INSTRUMENTS INC COM 882508104 639,696 3,352 SH   SOLE   0 0 3,352
SMITH & NEPHEW ADR NEW COM 83175M205 725,961 16,548 SH   SOLE   0 0 16,548
SCHWAB US TIPS ETF COM 808524870 13,858,593 222,628 SH   SOLE   0 0 222,628
SCHWAB SHORT TERM US TREASURY COM 808524862 16,564,736 323,530 SH   SOLE   0 0 323,530
SCHWAB US REIT ETF COM 808524847 849,250 18,474 SH   SOLE   0 0 18,474
SCHWAB US AGGREGATE BOND ETF COM 808524839 10,836,126 198,901 SH   SOLE   0 0 198,901
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706 12,768,171 390,464 SH   SOLE   0 0 390,464
SCHWAB US LARGE CAP VALUE ETF COM 808524409 929,340 13,500 SH   SOLE   0 0 13,500
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 1,855,003 12,663 SH   SOLE   0 0 12,663
SPDR USA STRATEGIC FACTORS COM 78468R812 5,356,967 44,660 SH   SOLE   0 0 44,660
SPDR S&P BIOTECH ETF COM 78464A870 4,983,009 35,981 SH   SOLE   0 0 35,981
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839 6,238,105 91,441 SH   SOLE   0 0 91,441
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300 3,186,984 36,848 SH   SOLE   0 0 36,848
SPDR S&P 500 ETF COM 78462F103 610,780 1,419 SH   SOLE   0 0 1,419
PROCTER & GAMBLE CO COM 742718109 311,953 2,307 SH   SOLE   0 0 2,307
PNC FINL SERVICES GP INC COM 693475105 298,156 1,555 SH   SOLE   0 0 1,555
NOVO NORDISK A/S ADR COM 670100205 853,655 10,112 SH   SOLE   0 0 10,112
NOVARTIS A G SPON ADR COM 66987V109 713,037 7,780 SH   SOLE   0 0 7,780
NORFOLK SOUTHERN CORP COM 655844108 282,205 1,048 SH   SOLE   0 0 1,048
NIKE INC B COM 654106103 242,530 1,535 SH   SOLE   0 0 1,535
N V R INC COM 62944T105 301,602 59 SH   SOLE   0 0 59
MICROSOFT COM 594918104 1,151,053 4,238 SH   SOLE   0 0 4,238
MC DONALDS CORP COM 580135101 484,051 2,084 SH   SOLE   0 0 2,084
LOCKHEED MARTIN CORP COM 539830109 295,431 777 SH   SOLE   0 0 777
JOHNSON & JOHNSON COM 478160104 533,727 3,216 SH   SOLE   0 0 3,216
JP MORGAN CHASE & CO COM 46625H100 421,760 2,685 SH   SOLE   0 0 2,685
ISHARES MSCI DENMARK ETF COM 46429B523 6,308,946 57,758 SH   SOLE   0 0 57,758
ISHARES MSCI FINLAND ETF COM 46429B515 4,196,346 84,510 SH   SOLE   0 0 84,510
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507 7,162,847 123,285 SH   SOLE   0 0 123,285
ISHARES MSCI NEW ZEALAND COM 464289123 7,488,706 123,129 SH   SOLE   0 0 123,129
ISHARES RUSSELL 2000 VALUE COM 464287630 726,144 4,337 SH   SOLE   0 0 4,337
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 543,707 3,293 SH   SOLE   0 0 3,293
ISHARES RUSSELL MIDCAP VALUE COM 464287473 250,533 2,162 SH   SOLE   0 0 2,162
ISHARES S&P GLOBAL HEALTHCARE COM 464287325 2,284,384 27,286 SH   SOLE   0 0 27,286
ISHARES GLOBAL TECHNOLOGY COM 464287291 3,057,962 9,066 SH   SOLE   0 0 9,066
ISHARES MSCI HONG KONG COM 464286871 1,827,267 68,258 SH   SOLE   0 0 68,258
ISHARES MSCI NETHERLANDS COM 464286814 5,038,347 104,292 SH   SOLE   0 0 104,292
ISHARES MSCI SWEDEN COM 464286756 215,199 4,619 SH   SOLE   0 0 4,619
ISHARES MSCI SWITZERLAND COM 464286749 2,083,150 42,705 SH   SOLE   0 0 42,705
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640 4,037,615 140,098 SH   SOLE   0 0 140,098
ISHARES MSCI GLOBAL SILVER MINERS COM 464286327 153,300 10,000 SH   SOLE   0 0 10,000
INTUIT INC. COM 461202103 251,418 512 SH   SOLE   0 0 512
HONEYWELL INTERNATIONAL COM 438516106 385,203 1,746 SH   SOLE   0 0 1,746
GLOBAL X FTSE NORDIC 30 ETF COM 37950E101 221,307 7,184 SH   SOLE   0 0 7,184
GLAXOSMITHKLINE PLC ADRF COM 37733W105 780,182 19,422 SH   SOLE   0 0 19,422
GENMAB A/S COM 372303206 717,319 17,264 SH   SOLE   0 0 17,264
GENERAC HOLDINGS INC COM 368736104 248,046 600 SH   SOLE   0 0 600
GMS INC COM 36251C103 524,220 10,694 SH   SOLE   0 0 10,694
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843 7,105,301 234,018 SH   SOLE   0 0 234,018
FRANKLIN FTSE CANADA ETF COM 35473P827 3,755,657 112,353 SH   SOLE   0 0 112,353
FRANKLIN FTSE HONG KONG ETF COM 35473P777 1,710,330 59,256 SH   SOLE   0 0 59,256
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694 9,018,167 269,703 SH   SOLE   0 0 269,703
FRANKLIN FTSE TAIWAN ETF COM 35473P686 5,806,152 130,290 SH   SOLE   0 0 130,290
FRANKLIN FTSE UNITED KINGDOM ETF COM 35473P678 6,204,065 247,371 SH   SOLE   0 0 247,371
FISERV INC COM 337738108 346,688 3,200 SH   SOLE   0 0 3,200
EXXON MOBIL CORPORATION COM 30231G102 401,574 6,348 SH   SOLE   0 0 6,348
DOMINION RES INC VA NEW COM 25746U109 383,513 5,175 SH   SOLE   0 0 5,175
DISNEY WALT COMPANY DEL COM 254687106 774,398 4,369 SH   SOLE   0 0 4,369
COGENT COMMUN GROUP NEW COM 19239V302 310,389 4,041 SH   SOLE   0 0 4,041
COEUR D ALENE MINES CORP COM 192108504 176,600 20,000 SH   SOLE   0 0 20,000
COCA COLA CO COM 191216100 202,026 3,744 SH   SOLE   0 0 3,744
CEMEX SA ADR NEW COM 151290889 208,750 25,000 SH   SOLE   0 0 25,000
CANOPY GROWTH CORP COM 138035100 487,478 20,354 SH   SOLE   0 0 20,354
BERKSHIRE HATHAWAY CL B COM 084670702 365,342 1,304 SH   SOLE   0 0 1,304
BAUSCH HEALTH COS INC COM 071734107 664,416 22,103 SH   SOLE   0 0 22,103
BANK OF AMERICA CORP COM 060505104 215,925 5,198 SH   SOLE   0 0 5,198
AUTO DATA PROCESSING COM 053015103 257,955 1,291 SH   SOLE   0 0 1,291
ASTRAZENECA PLC ADR COM 046353108 811,773 13,460 SH   SOLE   0 0 13,460
APPLE COMPUTER INC COM 037833100 998,361 11,273 SH   SOLE   0 0 11,273
ANTHEM INC COM 036752103 200,657 523 SH   SOLE   0 0 523
AMPIO PHARMACEUTICAL COM 03209T109 40,560 24,000 SH   SOLE   0 0 24,000
AMAZON COM INC COM 023135106 298,668 87 SH   SOLE   0 0 87
ALPHABET INC CLASS A COM 02079K305 281,622 115 SH   SOLE   0 0 115
ALPHABET INC CLASS C COM 02079K107 384,160 152 SH   SOLE   0 0 152
ACELRX PHARMACEUTICALS COM 00444T100 15,240 11,206 SH   SOLE   0 0 11,206