Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VWOB	VANGUARD EMERGING MARKET GOVT BOND ETF	375,217	$29.18B	7.5%	$81270.11	—	COM	921946885
SCHZ	SCHWAB US AGGREGATE BOND ETF	505,106	$27.28B	7.0%	$54615.36	—	COM	808524839
VOE	VANGUARD MID CAP VALUE ETF	194,616	$26.5B	6.8%	$113217.97	—	COM	922908512
VWO	VANGUARD FTSE EMERGING MARKET ETF	482,969	$25.37B	6.5%	$41058.82	—	COM	922042858
VGT	VANGUARD INFO TECHNOLOGY ETF	68,922	$25.22B	6.5%	$301306.20	—	COM	92204A702
VDC	VANGUARD CONSUMER STAPLES ETF	110,063	$19.56B	5.0%	$164373.45	—	COM	92204A207
SCHO	SCHWAB SHORT TERM US TREASURY	348,262	$17.86B	4.6%	$50877.10	—	COM	808524862
VHT	VANGUARD HEALTH CARE ETF	77,689	$17.76B	4.5%	$201971.40	—	COM	92204A504
SCHP	SCHWAB US TIPS ETF	281,480	$17.23B	4.4%	$58588.83	—	COM	808524870
VBR	VANGUARD SMALL CAP VALUE ETF	79,941	$13.4B	3.4%	$133580.00	—	COM	922908611
SCHE	SCHWAB EMERGING MARKET EQUITY ETF	398,160	$12.76B	3.3%	$26050.00	—	COM	808524706
BNDX	VANGUARD TOTAL INTERNATIONAL BOND ETF	220,860	$12.62B	3.2%	$57693.83	—	COM	92203J407
VNQI	VANGUARD GLOBAL EX-US REAL ESTATE ETF	177,751	$9.958B	2.5%	$54253.22	—	COM	922042676
FLSW	FRANKLIN FTSE SWITZERLAND ETF	288,536	$8.858B	2.3%	$28569.60	—	COM	35473P694
ENZL	ISHARES MSCI NEW ZEALAND	112,916	$7.04B	1.8%	$58926.77	—	COM	464289123
VOO	VANGUARD S&P 500 ETF	18,950	$6.977B	1.8%	$295302.88	—	COM	922908363
FLAU	FRANKLIN FTSE AUSTRALIA ETF	227,973	$6.718B	1.7%	$22888.17	—	COM	35473P843
EIRL	ISHARES MSCI IRELAND CAPPED ETF	120,095	$6.699B	1.7%	$44433.02	—	COM	46429B507
MDYV	SPDR S&P 400 MID CAP VALUE ETF	93,291	$6.174B	1.6%	$43490.83	—	COM	78464A839
EDEN	ISHARES MSCI DENMARK ETF	60,466	$5.912B	1.5%	$87653.21	—	COM	46429B523
FLGB	FRANKLIN FTSE UNITED KINGDOM ETF	225,585	$5.439B	1.4%	$24110.00	—	COM	35473P678
VNQ	VANGUARD REIT INDEX ETF	57,993	$5.424B	1.4%	$87621.22	—	COM	922908553
EWN	ISHARES MSCI NETHERLANDS	103,928	$4.923B	1.3%	$32172.00	—	COM	464286814
QUS	SPDR USA STRATEGIC FACTORS	43,524	$4.881B	1.2%	$92755.09	—	COM	78468R812
ECH	ISHARES MSCI CHILE INVESTABLE MARKET	132,796	$4.555B	1.2%	$27495.65	—	COM	464286640
XBI	SPDR S&P BIOTECH ETF	31,808	$4.359B	1.1%	$118276.97	—	COM	78464A870
FLTW	FRANKLIN FTSE TAIWAN ETF	94,105	$3.935B	1.0%	$41813.31	—	COM	35473P686
EFNL	ISHARES MSCI FINLAND ETF	77,561	$3.552B	0.9%	$36973.36	—	COM	46429B515
TFC	TRUIST FINANCIAL CORP	59,668	$3.523B	0.9%	$40.89	+6.6%	COM	89832Q109
VTI	VANGUARD TOTAL STOCK MARKET ETF	15,784	$3.303B	0.8%	$165420.52	—	COM	922908769
FLCA	FRANKLIN FTSE CANADA ETF	98,573	$3.023B	0.8%	$30670.00	—	COM	35473P827
SLYV	SPDR S&P 600 SMALL CAP VALUE ETF	35,516	$2.943B	0.8%	$58075.32	—	COM	78464A300
IXN	ISHARES GLOBAL TECHNOLOGY	9,082	$2.851B	0.7%	$218839.98	—	COM	464287291
IXJ	ISHARES S&P GLOBAL HEALTHCARE	27,439	$2.117B	0.5%	$68220.00	—	COM	464287325
EWL	ISHARES MSCI SWITZERLAND	43,522	$1.956B	0.5%	$40780.00	—	COM	464286749
EWH	ISHARES MSCI HONG KONG	72,387	$1.937B	0.5%	$23110.00	—	COM	464286871
—	FRANKLIN FTSE HONG KONG ETF	62,689	$1.79B	0.5%	$28559.00	—	COM	35473P777
SCHG	SCHWAB US LARGE CAP GROWTH ETF	12,850	$1.697B	0.4%	$96087.09	—	COM	808524300
WFC	WELLS FARGO CO	35,758	$1.417B	0.4%	$44.70	-29.3%	COM	949746101
SCHH	SCHWAB US REIT ETF	29,132	$1.219B	0.3%	$40605.13	—	COM	808524847
MSFT	MICROSOFT	3,799	$921M	0.2%	$142.74	+56.2%	COM	594918104
VO	VANGUARD MID CAP ETF	3,913	$879M	0.2%	$179159.94	—	COM	922908629
SCHV	SCHWAB US LARGE CAP VALUE ETF	12,805	$843M	0.2%	$59483.96	—	COM	808524409
DIS	DISNEY WALT COMPANY DEL	4,219	$797M	0.2%	$136.50	+32.0%	COM	254687106
VTV	VANGUARD VALUE ETF	5,775	$763M	0.2%	$117269.99	—	COM	922908744
IWN	ISHARES RUSSELL 2000 VALUE	4,254	$686M	0.2%	$116184.20	—	COM	464287630
ACN	ACCENTURE PLC CL A	2,414	$672M	0.2%	$178.42	+35.2%	COM	G1151C101
AAPL	APPLE COMPUTER INC	12,439	$669M	0.2%	$103.73	+20.6%	COM	037833100
TXN	TEXAS INSTRUMENTS INC	3,191	$613M	0.2%	$103.75	+45.9%	COM	882508104
NVO	NOVO NORDISK A/S ADR	8,919	$603M	0.2%	$67660.05	—	COM	670100205
—	GLAXOSMITHKLINE PLC ADRF	16,458	$590M	0.2%	$35820.03	—	COM	37733W105
AZN	ASTRAZENECA PLC ADR	11,546	$572M	0.1%	$49529.97	—	COM	046353108
NVS	NOVARTIS A G SPON ADR	6,638	$571M	0.1%	$86079.99	—	COM	66987V109
V	VIVENDI UNIVERSAL ADR	2,622	$569M	0.1%	$172.55	+17.8%	COM	92826C839
BHC	BAUSCH HEALTH COS INC	17,826	$565M	0.1%	$29.33	0.0%	COM	071734107
ALC	ALCON INC	7,933	$565M	0.1%	$69.79	0.0%	COM	H01301128
SNN	SMITH & NEPHEW ADR NEW	13,911	$531M	0.1%	$38189.99	—	COM	83175M205
UNH	UNITEDHEALTH GROUP INC	1,443	$530M	0.1%	$236.60	+35.1%	COM	91324P102
GMAB	GENMAB A/S	15,340	$505M	0.1%	$32940.03	—	COM	372303206
IBB	ISHARES NASDAQ BIOTECHNOLOGY	3,293	$499M	0.1%	$116697.14	—	COM	464287556
JNJ	JOHNSON & JOHNSON	3,063	$499M	0.1%	$114.90	+22.5%	COM	478160104
—	CANOPY GROWTH CORP	15,491	$497M	0.1%	$32059.97	—	COM	138035100
—	GMS INC	10,933	$458M	0.1%	$25303.30	—	COM	36251C103
MCD	MC DONALDS CORP	2,028	$457M	0.1%	$172.55	+10.8%	COM	580135101
UNP	UNION PACIFIC CORP	1,873	$412M	0.1%	$149.35	+25.9%	COM	907818108
XOM	EXXON MOBIL CORPORATION	7,138	$410M	0.1%	$52.07	-16.8%	COM	30231G102
D	DOMINION RES INC VA NEW	5,175	$392M	0.1%	$61.39	-4.7%	COM	25746U109
FISV	FISERV INC	3,200	$391M	0.1%	$110.41	+3.9%	COM	337738108
JPM	JP MORGAN CHASE & CO	2,454	$377M	0.1%	$109.43	+16.3%	COM	46625H100
HON	HONEYWELL INTERNATIONAL	1,722	$373M	0.1%	$143.91	+22.8%	COM	438516106
VZ	VERIZON COMMUNICATIONS	6,044	$352M	0.1%	$42.79	-1.3%	COM	92343V104
BRK/B	BERKSHIRE HATHAWAY CL B	1,358	$351M	0.1%	$217.17	+11.8%	COM	084670702
VEA	VANGUARD MSCI EAFE ETF	6,623	$329M	0.1%	$42890.01	—	COM	921943858
VGSH	VANGUARD SHORT GOVT BOND IDX ETF	5,042	$310M	0.1%	$61040.07	—	COM	92206C102
GOOG	ALPHABET INC CLASS C	145	$310M	0.1%	$86.28	+14.1%	COM	02079K107
PG	PROCTER & GAMBLE CO	2,206	$296M	0.1%	$106.47	+8.6%	COM	742718109
VDE	VANGUARD ENERGY ETF	4,095	$286M	0.1%	$69830.04	—	COM	92204A306
NSC	NORFOLK SOUTHERN CORP	1,048	$284M	0.1%	$179.92	+27.2%	COM	655844108
NVR	N V R INC	59	$282M	0.1%	$3860.26	+16.3%	COM	62944T105
LMT	LOCKHEED MARTIN CORP	750	$278M	0.1%	$324.81	-7.7%	COM	539830109
CCOI	COGENT COMMUN GROUP NEW	4,041	$276M	0.1%	$43.44	+6.3%	COM	19239V302
PNC	PNC FINL SERVICES GP INC	1,500	$266M	0.1%	$106.49	+30.1%	COM	693475105
BND	VANGUARD TOTAL BOND MARKET ETF	3,090	$262M	0.1%	$87430.94	—	COM	921937835
AMZN	AMAZON COM INC	79	$250M	0.1%	$157.83	+0.4%	COM	023135106
IWS	ISHARES RUSSELL MIDCAP VALUE	2,202	$243M	0.1%	$96960.04	—	COM	464287473
GOOGL	ALPHABET INC CLASS A	110	$234M	0.1%	$83.49	+17.3%	COM	02079K305
ADP	AUTO DATA PROCESSING	1,234	$234M	0.1%	$147.45	+6.2%	COM	053015103
EWD	ISHARES MSCI SWEDEN	4,747	$215M	0.1%	$30471.94	—	COM	464286756
NORW	GLOBAL X FTSE NORDIC 30 ETF	7,184	$205M	0.1%	$21770.00	—	COM	37950E101
BAC	BANK OF AMERICA CORP	5,198	$205M	0.1%	$30.64	0.0%	COM	060505104
NKE	NIKE INC B	1,535	$203M	0.1%	$129.56	0.0%	COM	654106103
CX	CEMEX SA ADR NEW	23,000	$158M	0.0%	$6119.57	—	COM	151290889
—	AMPIO PHARMACEUTICAL	24,000	$44.4M	0.0%	$701.00	—	COM	03209T109
—	ACELRX PHARMACEUTICALS	11,206	$19.05M	0.0%	$1689.99	—	COM	00444T100