Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VWOB	VANGUARD EMERGING MARKET GOVT BOND ETF	303,543	$24.94B	7.6%	$82150.00	—	COM	921946885
SCHZ	SCHWAB US AGGREGATE BOND ETF	431,672	$23.46B	7.2%	$54350.00	—	COM	808524839
VDE	VANGUARD ENERGY ETF	253,235	$17.98B	5.5%	$70989.90	—	COM	92204A306
SCHE	SCHWAB EMERGING MARKET EQUITY ETF	682,535	$17.78B	5.4%	$26050.00	—	COM	808524706
VOE	VANGUARD MID CAP VALUE ETF	146,800	$17.32B	5.3%	$118000.00	—	COM	922908512
VBR	VANGUARD SMALL CAP VALUE ETF	114,488	$15.29B	4.7%	$133580.00	—	COM	922908611
VWO	VANGUARD FTSE EMERGING MARKET ETF	361,334	$15.29B	4.7%	$42309.99	—	COM	922042858
SCHP	SCHWAB US TIPS ETF	253,898	$14.64B	4.5%	$57680.00	—	COM	808524870
SCHO	SCHWAB SHORT TERM US TREASURY	272,465	$13.81B	4.2%	$50670.00	—	COM	808524862
VOO	VANGUARD S&P 500 ETF	38,956	$11.6B	3.6%	$297843.06	—	COM	922908363
VNQI	VANGUARD GLOBAL EX-US REAL ESTATE ETF	201,561	$11.57B	3.5%	$57420.00	—	COM	922042676
BNDX	VANGUARD TOTAL INTERNATIONAL BOND ETF	187,736	$10.82B	3.3%	$57640.00	—	COM	92203J407
—	SPDR SOLACTIVE CANADA ETF	129,529	$8.021B	2.5%	$61925.70	—	COM	78463X376
VGT	VANGUARD INFO TECHNOLOGY ETF	30,372	$7.817B	2.4%	$257370.02	—	COM	92204A702
EIRL	ISHARES MSCI IRELAND CAPPED ETF	141,847	$6.303B	1.9%	$44435.30	—	COM	46429B507
—	SPDR SOLACTIVE UNITED KINGDOM ETF	123,157	$6.116B	1.9%	$49661.30	—	COM	78463X335
EWH	ISHARES MSCI HONG KONG	256,817	$5.935B	1.8%	$23110.00	—	COM	464286871
FLAU	FRANKLIN FTSE AUSTRALIA ETF	196,446	$5.037B	1.5%	$25640.00	—	COM	35473P843
QUS	SPDR USA STRATEGIC FACTORS	50,474	$4.824B	1.5%	$95570.00	—	COM	78468R812
EWL	ISHARES MSCI SWITZERLAND	116,520	$4.752B	1.5%	$40780.00	—	COM	464286749
VNQ	VANGUARD REIT INDEX ETF	44,972	$4.238B	1.3%	$94239.91	—	COM	922908553
EWN	ISHARES MSCI NETHERLANDS	123,473	$4.073B	1.2%	$32990.00	—	COM	464286814
VHT	VANGUARD HEALTH CARE ETF	21,481	$4.053B	1.2%	$188700.02	—	COM	92204A504
ENZL	ISHARES MSCI NEW ZEALAND	68,751	$3.842B	1.2%	$55890.01	—	COM	464289123
FLSW	FRANKLIN FTSE SWITZERLAND ETF	130,178	$3.633B	1.1%	$27905.30	—	COM	35473P694
TFC	TRUIST FIINANCIAL CORP	66,081	$3.469B	1.1%	$40.89	0.0%	COM	89832Q109
VTI	VANGUARD TOTAL STOCK MARKET ETF	20,959	$3.457B	1.1%	$164960.02	—	COM	922908769
MDYV	SPDR S&P 400 MID CAP VALUE ETF	62,769	$3.329B	1.0%	$53040.00	—	COM	78464A839
ECH	ISHARES MSCI CHILE INVESTABLE MARKET	104,319	$3.243B	1.0%	$31089.90	—	COM	464286640
SCHG	SCHWAB US LARGE CAP GROWTH ETF	33,447	$3.234B	1.0%	$96680.00	—	COM	808524300
—	SPDR SOLACTIVE GERMANY ETF	54,988	$3.209B	1.0%	$58364.30	—	COM	78463X350
—	SPDR SOLACTIVE HONG KONG ETF	50,028	$3.02B	0.9%	$60372.09	—	COM	78463X145
SLYV	SPDR S&P 600 SMALL CAP VALUE ETF	46,590	$2.89B	0.9%	$62030.01	—	COM	78464A300
IXN	ISHARES GLOBAL TECHNOLOGY	13,186	$2.886B	0.9%	$218839.98	—	COM	464287291
EWD	ISHARES MSCI SWEDEN	81,852	$2.618B	0.8%	$31989.99	—	COM	464286756
EWA	ISHARES MSCI AUSTRALIA	97,866	$2.183B	0.7%	$22310.00	—	COM	464286103
IXJ	ISHARES S&P GLOBAL HEALTHCARE	30,082	$2.052B	0.6%	$68220.00	—	COM	464287325
NORW	GLOBAL X FTSE NORDIC 30 ETF	81,378	$1.772B	0.5%	$21770.00	—	COM	37950E101
WFC	WELLS FARGO CO	37,021	$1.744B	0.5%	$44.70	0.0%	COM	949746101
SCHH	SCHWAB US REIT ETF	35,647	$1.647B	0.5%	$46210.00	—	COM	808524847
EPP	ISHARES MSCI PACIFIC EX-JAPAN	29,333	$1.32B	0.4%	$45009.99	—	COM	464286665
VEA	VANGUARD MSCI EAFE ETF	30,038	$1.288B	0.4%	$42890.01	—	COM	921943858
IWN	ISHARES RUSSELL 2000 VALUE	10,011	$1.231B	0.4%	$122970.03	—	COM	464287630
SCHV	SCHWAB US LARGE CAP VALUE ETF	19,469	$1.147B	0.4%	$58919.98	—	COM	808524409
SPY	SPDR S&P 500 ETF	2,710	$878M	0.3%	$324119.94	—	COM	78462F103
AAPL	APPLE COMPUTER INC	2,710	$836M	0.3%	$62.02	0.0%	COM	037833100
DIS	DISNEY WALT COMPANY DEL	5,447	$770M	0.2%	$135.71	0.0%	COM	254687106
VTV	VANGUARD VALUE ETF	6,389	$749M	0.2%	$117269.99	—	COM	922908744
XOM	EXXON MOBIL CORPORATION	11,984	$728M	0.2%	$52.07	0.0%	COM	30231G102
VO	VANGUARD MID CAP ETF	3,914	$701M	0.2%	$179159.94	—	COM	922908629
MSFT	MICROSOFT	3,624	$632M	0.2%	$139.23	0.0%	COM	594918104
CVX	CHEVRONTEXACO CORP	5,879	$625M	0.2%	$89.68	0.0%	COM	166764100
IUSV	ISHARES CORE S&P US VALUE ETF	9,002	$553M	0.2%	$61480.00	—	COM	464287663
V	VIVENDI UNIVERSAL ADR	2,622	$527M	0.2%	$172.55	0.0%	COM	92826C839
SLVP	ISHARES MSCI GLOBAL SILVER MINERS	50,000	$517M	0.2%	$10349.90	—	COM	464286327
ACN	ACCENTURE PLC CL A	2,414	$502M	0.2%	$178.42	0.0%	COM	G1151C101
D	DOMINION RES INC VA NEW	5,644	$484M	0.1%	$62.41	0.0%	COM	25746U109
SCHF	SCHWAB INTERNATIONAL EQUITY ETF	14,538	$477M	0.1%	$32780.02	—	COM	808524805
CDE	COEUR D ALENE MINES CORP	80,000	$473M	0.1%	$6.17	0.0%	COM	192108504
JNJ	JOHNSON & JOHNSON	3,089	$464M	0.1%	$114.10	0.0%	COM	478160104
MCD	MC DONALDS CORP	1,963	$422M	0.1%	$171.93	0.0%	COM	580135101
VZ	VERIZON COMMUNICATIONS	7,240	$420M	0.1%	$42.79	0.0%	COM	92343V104
UNH	UNITEDHEALTH GROUP INC	1,443	$395M	0.1%	$236.60	0.0%	COM	91324P102
CCOI	COGENT COMMUN GROUP NEW	5,597	$395M	0.1%	$43.44	0.0%	COM	19239V302
TXN	TEXAS INSTRUMENTS INC	3,191	$394M	0.1%	$103.75	0.0%	COM	882508104
FISV	FISERV INC	3,200	$390M	0.1%	$110.41	0.0%	COM	337738108
VGSH	VANGUARD SHORT GOVT BOND IDX ETF	6,364	$388M	0.1%	$61040.07	—	COM	92206C102
JPM	JP MORGAN CHASE & CO	2,805	$374M	0.1%	$108.67	0.0%	COM	46625H100
IBB	ISHARES NASDAQ BIOTECHNOLOGY	3,212	$372M	0.1%	$115819.74	—	COM	464287556
BRK/B	BERKSHIRE HATHAWAY CL B	1,641	$367M	0.1%	$217.17	0.0%	COM	084670702
UNP	UNION PACIFIC CORP	1,873	$338M	0.1%	$149.35	0.0%	COM	907818108
LMT	LOCKHEED MARTIN CORP	750	$318M	0.1%	$324.81	0.0%	COM	539830109
HON	HONEYWELL INTERNATIONAL	1,722	$295M	0.1%	$143.91	0.0%	COM	438516106
—	GMS INC	10,333	$268M	0.1%	$25930.03	—	COM	36251C103
PG	PROCTER & GAMBLE CO	1,945	$243M	0.1%	$105.24	0.0%	COM	742718109
LTC	LTC PROPERTIES INC	5,170	$241M	0.1%	$46540.04	—	COM	502175102
COP	CONOCOPHILLIPS	4,027	$238M	0.1%	$47.16	0.0%	COM	20825C104
IWS	ISHARES RUSSELL MIDCAP VALUE	2,436	$228M	0.1%	$93570.20	—	COM	464287473
PNC	PNC FINL SERVICES GP INC	1,500	$224M	0.1%	$120.17	0.0%	COM	693475105
T	AT&T CORP	6,014	$222M	0.1%	$18.86	0.0%	COM	00206R102
NSC	NORFOLK SOUTHERN CORP	1,048	$217M	0.1%	$165.56	0.0%	COM	655844108
ADP	AUTO DATA PROCESSING	1,234	$215M	0.1%	$145.09	0.0%	COM	053015103
BND	VANGUARD TOTAL BOND MARKET ETF	2,453	$209M	0.1%	$85260.09	—	COM	921937835
KO	COCA COLA CO	3,561	$209M	0.1%	$44.51	0.0%	COM	191216100
GOOGL	ALPHABET INC CLASS A	140	$208M	0.1%	$64.02	0.0%	COM	02079K305
—	ROSETTA STONE INC	10,000	$173M	0.1%	$17280.00	—	COM	777780107
—	ACELRX PHARMACEUTICALS	11,206	$18.94M	0.0%	$1689.99	—	COM	00444T100
—	AMPIO PHARMACEUTICAL	24,000	$16.82M	0.0%	$701.00	—	COM	03209T109