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 537,176 9,233 SH   SOLE   0 0 9,233
ACCENTURE PLC CL A COM G1151C101 631,414 2,454 SH   SOLE   0 0 2,454
WELLS FARGO CO COM 949746101 1,433,039 35,630 SH   SOLE   0 0 35,630
VISA INC COM 92826C839 476,102 2,680 SH   SOLE   0 0 2,680
VANGUARD TOTAL STOCK MARKET ETF COM 922908769 2,446,894 13,634 SH   SOLE   0 0 13,634
VANGUARD VALUE ETF COM 922908744 1,987,658 16,097 SH   SOLE   0 0 16,097
VANGUARD MID CAP ETF COM 922908629 735,190 3,911 SH   SOLE   0 0 3,911
VANGUARD SMALL CAP VALUE ETF COM 922908611 17,094,284 119,207 SH   SOLE   0 0 119,207
VANGUARD REIT INDEX ETF COM 922908553 5,772,317 72,001 SH   SOLE   0 0 72,001
VANGUARD MID CAP VALUE ETF COM 922908512 29,325,382 240,826 SH   SOLE   0 0 240,826
VANGUARD S&P 500 ETF COM 922908363 5,986,353 18,234 SH   SOLE   0 0 18,234
VANGUARD SHORT GOVT BOND IDX ETF COM 92206C102 1,485,896 25,712 SH   SOLE   0 0 25,712
VANGUARD INFO TECHNOLOGY ETF COM 92204A702 23,182,460 75,422 SH   SOLE   0 0 75,422
VANGUARD HEALTH CARE ETF COM 92204A504 16,759,604 74,920 SH   SOLE   0 0 74,920
VANGUARD CONSUMER STAPLES ETF COM 92204A207 16,846,758 98,066 SH   SOLE   0 0 98,066
VANGUARD FTSE EMERGING MARKET ETF COM 922042858 24,055,173 659,226 SH   SOLE   0 0 659,226
VANGUARD GLOBAL EX-US REAL ESTATE ETF COM 922042676 3,321,752 87,048 SH   SOLE   0 0 87,048
VANGUARD TOTAL INTERNATIONAL BOND ETF COM 92203J407 23,702,861 496,603 SH   SOLE   0 0 496,603
VANGUARD SHORT INFLATION-PROTECTED ETF COM 922020805 30,596,420 635,968 SH   SOLE   0 0 635,968
VANGUARD EMERGING MARKET GOVT BOND ETF COM 921946885 12,654,009 220,108 SH   SOLE   0 0 220,108
VANGUARD TOTAL BOND MARKET ETF COM 921937835 422,844 5,928 SH   SOLE   0 0 5,928
UNITEDHEALTH GROUP INC COM 91324P102 833,316 1,650 SH   SOLE   0 0 1,650
UNION PACIFIC CORP COM 907818108 493,089 2,531 SH   SOLE   0 0 2,531
TRUIST FINANCIAL CORP COM 89832Q109 2,589,324 59,470 SH   SOLE   0 0 59,470
TEXAS INSTRUMENTS INC COM 882508104 453,970 2,933 SH   SOLE   0 0 2,933
TESLA MOTORS INC COM 88160R101 219,627 828 SH   SOLE   0 0 828
SMITH & NEPHEW ADR NEW COM 83175M205 366,435 15,781 SH   SOLE   0 0 15,781
SCHWAB US TIPS ETF COM 808524870 11,248,733 217,157 SH   SOLE   0 0 217,157
SCHWAB SHORT TERM US TREASURY COM 808524862 16,770,253 347,498 SH   SOLE   0 0 347,498
SCHWAB US REIT ETF COM 808524847 475,567 25,445 SH   SOLE   0 0 25,445
SCHWAB US AGGREGATE BOND ETF COM 808524839 6,225,866 137,406 SH   SOLE   0 0 137,406
SCHWAB EMERGING MARKET EQUITY ETF COM 808524706 7,991,445 356,761 SH   SOLE   0 0 356,761
SCHWAB US LARGE CAP VALUE ETF COM 808524409 640,216 10,942 SH   SOLE   0 0 10,942
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 964,118 17,275 SH   SOLE   0 0 17,275
SPDR USA STRATEGIC FACTORS COM 78468R812 5,649,323 55,620 SH   SOLE   0 0 55,620
SPDR S&P BIOTECH ETF COM 78464A870 4,439,144 55,965 SH   SOLE   0 0 55,965
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839 4,726,033 81,737 SH   SOLE   0 0 81,737
SPDR S&P 600 SMALL CAP VALUE ETF COM 78464A300 2,804,639 41,773 SH   SOLE   0 0 41,773
SPDR S&P 500 ETF COM 78462F103 506,124 1,417 SH   SOLE   0 0 1,417
REGIS CORP MINN COM 758932107 20,200 20,000 SH   SOLE   0 0 20,000
PROCTER & GAMBLE CO COM 742718109 318,937 2,526 SH   SOLE   0 0 2,526
PFIZER INCORPORATED COM 717081103 203,353 4,647 SH   SOLE   0 0 4,647
PEPSICO INC. COM 713448108 203,259 1,245 SH   SOLE   0 0 1,245
NOVO NORDISK A/S ADR COM 670100205 930,544 9,340 SH   SOLE   0 0 9,340
NOVARTIS A G SPON ADR COM 66987V109 608,384 8,004 SH   SOLE   0 0 8,004
NORFOLK SOUTHERN CORP COM 655844108 822,038 3,921 SH   SOLE   0 0 3,921
NERDY INC COM 64081V109 52,750 25,000 SH   SOLE   0 0 25,000
NATL BANKSHARES INC COM 634865109 513,388 15,207 SH   SOLE   0 0 15,207
N V R INC COM 62944T105 235,238 59 SH   SOLE   0 0 59
MICROSOFT COM 594918104 944,886 5,257 SH   SOLE   0 0 5,257
MCKESSON HBOC INC COM 58155Q103 246,767 726 SH   SOLE   0 0 726
MC DONALDS CORP COM 580135101 487,616 2,113 SH   SOLE   0 0 2,113
LOCKHEED MARTIN CORP COM 539830109 294,353 762 SH   SOLE   0 0 762
JOHNSON & JOHNSON COM 478160104 554,117 3,392 SH   SOLE   0 0 3,392
JP MORGAN CHASE & CO COM 46625H100 268,043 2,565 SH   SOLE   0 0 2,565
ISHARES MSCI DENMARK ETF COM 46429B523 5,643,444 75,916 SH   SOLE   0 0 75,916
ISHARES MSCI FINLAND ETF COM 46429B515 5,382,982 173,074 SH   SOLE   0 0 173,074
ISHARES MSCI IRELAND CAPPED ETF COM 46429B507 5,726,384 154,600 SH   SOLE   0 0 154,600
ISHARES MSCI NEW ZEALAND COM 464289123 6,156,945 149,513 SH   SOLE   0 0 149,513
ISHARES RUSSELL 2000 VALUE COM 464287630 331,479 2,571 SH   SOLE   0 0 2,571
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 370,061 3,164 SH   SOLE   0 0 3,164
ISHARES RUSSELL MIDCAP VALUE COM 464287473 211,886 2,206 SH   SOLE   0 0 2,206
ISHARES S&P GLOBAL HEALTHCARE COM 464287325 1,905,903 25,294 SH   SOLE   0 0 25,294
ISHARES GLOBAL TECHNOLOGY COM 464287291 1,914,803 45,396 SH   SOLE   0 0 45,396
ISHARES MSCI HONG KONG COM 464286871 188,219 10,319 SH   SOLE   0 0 10,319
ISHARES MSCI NETHERLANDS COM 464286814 4,581,770 149,878 SH   SOLE   0 0 149,878
ISHARES MSCI SWEDEN COM 464286756 4,970,782 182,414 SH   SOLE   0 0 182,414
ISHARES MSCI SWITZERLAND COM 464286749 625,565 16,704 SH   SOLE   0 0 16,704
ISHARES MSCI CHILE INVESTABLE MARKET COM 464286640 3,290,896 137,121 SH   SOLE   0 0 137,121
ISHARES MSCI AUSTRIA COM 464286202 5,020,303 323,617 SH   SOLE   0 0 323,617
INTL BUSINESS MACHINES COM 459200101 229,184 1,929 SH   SOLE   0 0 1,929
HONEYWELL INTERNATIONAL COM 438516106 294,869 1,766 SH   SOLE   0 0 1,766
GLAXOSMITHKLINE PLC ADRF COM 37733W105 463,640 15,754 SH   SOLE   0 0 15,754
GENMAB A/S COM 372303206 554,821 17,268 SH   SOLE   0 0 17,268
GENERAL DYNAMICS CORP COM 369550108 976,406 4,602 SH   SOLE   0 0 4,602
GATOS SILVER INC COM 368036109 69,701 26,008 SH   SOLE   0 0 26,008
GMS INC COM 36251C103 427,867 10,694 SH   SOLE   0 0 10,694
FRANKLIN FTSE AUSTRALIA ETF COM 35473P843 6,209,184 266,603 SH   SOLE   0 0 266,603
FRANKLIN FTSE CANADA ETF COM 35473P827 4,892,098 174,096 SH   SOLE   0 0 174,096
FRANKLIN FTSE SOUTH KOREA ETF COM 35473P710 3,047,370 183,177 SH   SOLE   0 0 183,177
FRANKLIN FTSE SWITZERLAND ETF COM 35473P694 5,730,971 219,702 SH   SOLE   0 0 219,702
FRANKLIN FTSE TAIWAN ETF COM 35473P686 6,349,020 208,414 SH   SOLE   0 0 208,414
FRANKLIN FTSE UNITED KINGDOM ETF COM 35473P678 4,522,177 231,077 SH   SOLE   0 0 231,077
FISERV INC COM 337738108 299,424 3,200 SH   SOLE   0 0 3,200
FACEBOOK INC CLASS A COM 30303M102 900,915 7,040 SH   SOLE   0 0 7,040
EXXON MOBIL CORPORATION COM 30231G102 601,129 6,885 SH   SOLE   0 0 6,885
EQT CORP COM 26884L109 285,250 7,000 SH   SOLE   0 0 7,000
DOMINION RES INC VA NEW COM 25746U109 306,428 4,434 SH   SOLE   0 0 4,434
DISNEY WALT COMPANY DEL COM 254687106 382,198 4,052 SH   SOLE   0 0 4,052
DIMENSIONAL US CORE EQUITY 2 ETF COM 25434V708 226,381 10,179 SH   SOLE   0 0 10,179
DEERE & CO COM 244199105 277,796 832 SH   SOLE   0 0 832
COEUR D ALENE MINES CORP COM 192108504 68,400 20,000 SH   SOLE   0 0 20,000
COCA COLA CO COM 191216100 353,214 6,305 SH   SOLE   0 0 6,305
CHEVRONTEXACO CORP COM 166764100 263,060 1,831 SH   SOLE   0 0 1,831
CHENIERE ENERGY INC COM 16411R208 248,865 1,500 SH   SOLE   0 0 1,500
CATERPILLER INC COM 149123101 213,823 1,303 SH   SOLE   0 0 1,303
CANOPY GROWTH CORP COM 138035100 64,046 23,460 SH   SOLE   0 0 23,460
BERKSHIRE HATHAWAY CL B COM 084670702 343,922 1,288 SH   SOLE   0 0 1,288
BAUSCH HEALTH COS INC COM 071734107 138,902 20,160 SH   SOLE   0 0 20,160
BANK OF AMERICA CORP COM 060505104 246,281 8,155 SH   SOLE   0 0 8,155
AUTO DATA PROCESSING COM 053015103 306,261 1,354 SH   SOLE   0 0 1,354
ASTRAZENECA PLC ADR COM 046353108 748,785 13,654 SH   SOLE   0 0 13,654
APPLE COMPUTER INC COM 037833100 1,194,191 9,841 SH   SOLE   0 0 9,841
ELEVANCE HEALTH INC COM 036752103 334,775 737 SH   SOLE   0 0 737
AMPIO PHARMACEUTICAL COM 03209T109 1,452 24,000 SH   SOLE   0 0 24,000
AMAZON COM INC COM 023135106 1,079,715 9,555 SH   SOLE   0 0 9,555
ALPHABET INC CLASS A COM 02079K305 218,082 2,280 SH   SOLE   0 0 2,280
ALPHABET INC CLASS C COM 02079K107 251,913 2,620 SH   SOLE   0 0 2,620
ACELRX PHARMACEUTICALS COM 00444T100 2,342 11,206 SH   SOLE   0 0 11,206
ABBVIE INC COM 00287Y109 228,694 1,704 SH   SOLE   0 0 1,704