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 800,197 9,185 SH   SOLE   0 0 9,185
NORDIC AMERN TANKR SHPGF COM G65773106 16,900 10,000 SH   SOLE   0 0 10,000
ACCENTURE PLC CL A COM G1151C101 1,017,306 2,454 SH   SOLE   0 0 2,454
WELLS FARGO CO COM 949746101 1,719,075 35,829 SH   SOLE   0 0 35,829
WAL-MART STORES INC COM 931142103 226,150 1,563 SH   SOLE   0 0 1,563
VISA INC COM 92826C839 654,898 3,022 SH   SOLE   0 0 3,022
VERIZON COMMUNICATIONS COM 92343V104 314,514 6,053 SH   SOLE   0 0 6,053
VANGUARD TOTAL STOCK MARKET ETF COM 922908769 3,293,242 13,640 SH   SOLE   0 0 13,640
VANGUARD VALUE ETF COM 922908744 940,871 6,396 SH   SOLE   0 0 6,396
VANGUARD MID CAP ETF COM 922908629 1,002,448 3,935 SH   SOLE   0 0 3,935
VANGUARD SMALL CAP VALUE ETF COM 922908611 15,264,132 85,346 SH   SOLE   0 0 85,346
VANGUARD REIT INDEX ETF COM 922908553 6,727,847 57,994 SH   SOLE   0 0 57,994
VANGUARD MID CAP VALUE ETF COM 922908512 31,076,518 206,722 SH   SOLE   0 0 206,722
VANGUARD S&P 500 ETF COM 922908363 8,808,851 20,177 SH   SOLE   0 0 20,177
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102 629,043 10,341 SH   SOLE   0 0 10,341
VANGUARD INFO TECHNOLOGY ETF COM 92204A702 33,111,030 72,268 SH   SOLE   0 0 72,268
VANGUARD HEALTH CARE ETF COM 92204A504 18,544,697 69,607 SH   SOLE   0 0 69,607
VANGUARD ENERGY ETF COM 92204A306 227,863 2,936 SH   SOLE   0 0 2,936
VANGUARD CONSUMER STAPLES ETF COM 92204A207 21,432,933 107,229 SH   SOLE   0 0 107,229
VANGUARD FTSE EMERGING MARKET ETF COM 922042858 29,911,006 604,751 SH   SOLE   0 0 604,751
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676 6,287,980 116,552 SH   SOLE   0 0 116,552
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407 27,014,114 489,741 SH   SOLE   0 0 489,741
VANGUARD SHORT INFLATION-PROTECTED ETF COM 922020805 26,727,960 519,999 SH   SOLE   0 0 519,999
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885 17,888,903 230,349 SH   SOLE   0 0 230,349
VANGUARD MSCI EAFE ETF COM 921943858 309,321 6,058 SH   SOLE   0 0 6,058
UNITEDHEALTH GROUP INC COM 91324P102 835,561 1,664 SH   SOLE   0 0 1,664
UNION PACIFIC CORP COM 907818108 485,721 1,928 SH   SOLE   0 0 1,928
TRUIST FINANCIAL CORP COM 89832Q109 3,665,991 62,613 SH   SOLE   0 0 62,613
TEXAS INSTRUMENTS INC COM 882508104 627,794 3,331 SH   SOLE   0 0 3,331
TESLA MOTORS INC COM 88160R101 291,671 276 SH   SOLE   0 0 276
SMITH & NEPHEW ADR NEW COM 83175M205 565,137 16,324 SH   SOLE   0 0 16,324
SCHWAB US TIPS ETF COM 808524870 14,274,458 226,975 SH   SOLE   0 0 226,975
SCHWAB SHORT TERM US TREASURY COM 808524862 16,450,738 323,515 SH   SOLE   0 0 323,515
SCHWAB US REIT ETF COM 808524847 831,290 15,777 SH   SOLE   0 0 15,777
SCHWAB US AGGREGATE BOND ETF COM 808524839 9,617,000 178,423 SH   SOLE   0 0 178,423
SCHWAB INTERNATIONAL EQUITY ETF COM 808524805 222,414 5,722 SH   SOLE   0 0 5,722
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706 11,387,287 384,446 SH   SOLE   0 0 384,446
SCHWAB US LARGE CAP VALUE ETF COM 808524409 933,116 12,744 SH   SOLE   0 0 12,744
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 2,101,568 12,834 SH   SOLE   0 0 12,834
SPDR USA STRATEGIC FACTORS COM 78468R812 5,655,282 43,299 SH   SOLE   0 0 43,299
SPDR S&P BIOTECH ETF COM 78464A870 4,331,956 38,692 SH   SOLE   0 0 38,692
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839 6,299,105 88,595 SH   SOLE   0 0 88,595
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300 3,464,201 40,890 SH   SOLE   0 0 40,890
SPDR S&P 500 ETF COM 78462F103 680,143 1,432 SH   SOLE   0 0 1,432
PROCTER & GAMBLE CO COM 742718109 394,430 2,411 SH   SOLE   0 0 2,411
PFIZER INCORPORATED COM 717081103 274,405 4,647 SH   SOLE   0 0 4,647
PEPSICO INC. COM 713448108 206,889 1,191 SH   SOLE   0 0 1,191
PNC FINL SERVICES GP INC COM 693475105 304,790 1,520 SH   SOLE   0 0 1,520
NOVO NORDISK A/S ADR COM 670100205 1,220,016 10,893 SH   SOLE   0 0 10,893
NOVARTIS A G SPON ADR COM 66987V109 705,446 8,065 SH   SOLE   0 0 8,065
NORFOLK SOUTHERN CORP COM 655844108 460,855 1,548 SH   SOLE   0 0 1,548
NIKE INC B COM 654106103 265,505 1,593 SH   SOLE   0 0 1,593
N V R INC COM 62944T105 348,623 59 SH   SOLE   0 0 59
MICROSOFT COM 594918104 1,615,024 4,802 SH   SOLE   0 0 4,802
MC DONALDS CORP COM 580135101 588,754 2,196 SH   SOLE   0 0 2,196
LOCKHEED MARTIN CORP COM 539830109 280,418 789 SH   SOLE   0 0 789
JOHNSON & JOHNSON COM 478160104 560,939 3,279 SH   SOLE   0 0 3,279
JP MORGAN CHASE & CO COM 46625H100 425,170 2,685 SH   SOLE   0 0 2,685
ISHARES MSCI DENMARK ETF COM 46429B523 6,509,818 58,531 SH   SOLE   0 0 58,531
ISHARES MSCI FINLAND ETF COM 46429B515 4,178,631 87,273 SH   SOLE   0 0 87,273
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507 8,380,733 147,097 SH   SOLE   0 0 147,097
ISHARES MSCI NEW ZEALAND COM 464289123 7,484,708 127,118 SH   SOLE   0 0 127,118
ISHARES RUSSELL 2000 VALUE COM 464287630 472,412 2,845 SH   SOLE   0 0 2,845
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 498,151 3,264 SH   SOLE   0 0 3,264
ISHARES RUSSELL MIDCAP VALUE COM 464287473 271,439 2,218 SH   SOLE   0 0 2,218
ISHARES S&P GLOBAL HEALTHCARE COM 464287325 2,407,290 26,647 SH   SOLE   0 0 26,647
ISHARES GLOBAL TECHNOLOGY COM 464287291 3,275,326 50,867 SH   SOLE   0 0 50,867
ISHARES DS INVS TOP CORP COM 464287242 413,860 3,123 SH   SOLE   0 0 3,123
ISHARES MSCI HONG KONG COM 464286871 1,372,987 59,206 SH   SOLE   0 0 59,206
ISHARES MSCI NETHERLANDS COM 464286814 5,386,145 107,251 SH   SOLE   0 0 107,251
ISHARES MSCI SWITZERLAND COM 464286749 2,042,497 38,735 SH   SOLE   0 0 38,735
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640 3,429,689 148,536 SH   SOLE   0 0 148,536
INTUIT INC. COM 461202103 302,957 471 SH   SOLE   0 0 471
INTELLIA THERAPEUTICS IN COM 45826J105 236,480 2,000 SH   SOLE   0 0 2,000
HONEYWELL INTERNATIONAL COM 438516106 359,054 1,722 SH   SOLE   0 0 1,722
HOME DEPOT INC COM 437076102 210,410 507 SH   SOLE   0 0 507
GLOBAL X MSCI NORWAY COM 37950E747 219,112 7,184 SH   SOLE   0 0 7,184
GLAXOSMITHKLINE PLC ADRF COM 37733W105 895,892 20,315 SH   SOLE   0 0 20,315
GENMAB A/S COM 372303206 688,937 17,415 SH   SOLE   0 0 17,415
GENERAL DYNAMICS CORP COM 369550108 1,058,402 5,077 SH   SOLE   0 0 5,077
GMS INC COM 36251C103 642,816 10,694 SH   SOLE   0 0 10,694
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843 7,299,964 247,568 SH   SOLE   0 0 247,568
FRANKLIN FTSE CANADA ETF COM 35473P827 4,433,216 128,499 SH   SOLE   0 0 128,499
FRANKLIN FTSE HONG KONG ETF COM 35473P777 1,239,502 50,458 SH   SOLE   0 0 50,458
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694 9,336,715 257,316 SH   SOLE   0 0 257,316
FRANKLIN FTSE TAIWAN ETF COM 35473P686 6,925,257 148,912 SH   SOLE   0 0 148,912
FRANKLIN FTSE UNITED KINGDOM ETF COM 35473P678 7,704,277 303,318 SH   SOLE   0 0 303,318
FISERV INC COM 337738108 332,128 3,200 SH   SOLE   0 0 3,200
EXXON MOBIL CORPORATION COM 30231G102 397,674 6,499 SH   SOLE   0 0 6,499
ENDEAVOUR SILVER CO COM 29258Y103 63,300 15,000 SH   SOLE   0 0 15,000
EASTMAN KODAK CO COM 277461406 56,160 12,000 SH   SOLE   0 0 12,000
DOMINION RES INC VA NEW COM 25746U109 406,541 5,175 SH   SOLE   0 0 5,175
DISNEY WALT COMPANY DEL COM 254687106 701,607 4,530 SH   SOLE   0 0 4,530
DIMENSIONAL US CORE EQUITY 2 ETF COM 25434V708 294,886 10,179 SH   SOLE   0 0 10,179
DEERE & CO COM 244199105 285,284 832 SH   SOLE   0 0 832
COGENT COMMUN GROUP NEW COM 19239V302 252,251 3,447 SH   SOLE   0 0 3,447
COEUR D ALENE MINES CORP COM 192108504 115,920 23,000 SH   SOLE   0 0 23,000
COCA COLA CO COM 191216100 240,520 4,062 SH   SOLE   0 0 4,062
CEMEX SA ADR NEW COM 151290889 169,500 25,000 SH   SOLE   0 0 25,000
CATERPILLER INC COM 149123101 285,542 1,381 SH   SOLE   0 0 1,381
CANOPY GROWTH CORP COM 138035100 207,643 23,785 SH   SOLE   0 0 23,785
BERKSHIRE HATHAWAY CL B COM 084670702 379,132 1,268 SH   SOLE   0 0 1,268
BAUSCH HEALTH COS INC COM 071734107 621,639 22,515 SH   SOLE   0 0 22,515
BANK OF AMERICA CORP COM 060505104 231,259 5,198 SH   SOLE   0 0 5,198
AUTO DATA PROCESSING COM 053015103 325,239 1,319 SH   SOLE   0 0 1,319
ASTRAZENECA PLC ADR COM 046353108 809,792 13,902 SH   SOLE   0 0 13,902
APPLE COMPUTER INC COM 037833100 1,633,161 9,197 SH   SOLE   0 0 9,197
ANTHEM INC COM 036752103 242,334 523 SH   SOLE   0 0 523
AMPIO PHARMACEUTICAL COM 03209T109 13,680 24,000 SH   SOLE   0 0 24,000
AMAZON COM INC COM 023135106 516,823 155 SH   SOLE   0 0 155
ALPHABET INC CLASS A COM 02079K305 333,160 115 SH   SOLE   0 0 115
ALPHABET INC CLASS C COM 02079K107 474,549 164 SH   SOLE   0 0 164
ACELRX PHARMACEUTICALS COM 00444T100 6,278 11,206 SH   SOLE   0 0 11,206