Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VOE	VANGUARD MID CAP VALUE ETF	243,306	$32.9M	7.9%	$116190.00	—	COM	922908512
VGT	VANGUARD INFO TECHNOLOGY ETF	82,648	$26.4M	6.4%	$286534.50	—	COM	92204A702
VWO	VANGUARD FTSE EMERGING MARKET ETF	669,126	$26.08M	6.3%	$42240.18	—	COM	922042858
VTIP	VANGUARD SHORT INFLATION-PROTECTED ETF	533,410	$24.92M	6.0%	$51556.36	—	COM	922020805
BNDX	VANGUARD TOTAL INTERNATIONAL BOND ETF	522,156	$24.77M	6.0%	$54394.00	—	COM	92203J407
VBR	VANGUARD SMALL CAP VALUE ETF	122,206	$19.41M	4.7%	$138908.40	—	COM	922908611
VDC	VANGUARD CONSUMER STAPLES ETF	98,032	$18.78M	4.5%	$164935.45	—	COM	92204A207
VHT	VANGUARD HEALTH CARE ETF	70,810	$17.56M	4.2%	$207252.28	—	COM	92204A504
SCHO	SCHWAB SHORT TERM US TREASURY	328,750	$15.86M	3.8%	$50755.01	—	COM	808524862
VWOB	VANGUARD EMERGING MARKET GOVT BOND ETF	234,586	$14.31M	3.4%	$74531.13	—	COM	921946885
SCHP	SCHWAB US TIPS ETF	226,053	$11.71M	2.8%	$56363.65	—	COM	808524870
SCHE	SCHWAB EMERGING MARKET EQUITY ETF	397,949	$9.419M	2.3%	$23356.25	—	COM	808524706
ENZL	ISHARES MSCI NEW ZEALAND	155,151	$7.533M	1.8%	$55500.31	—	COM	464289123
EDEN	ISHARES MSCI DENMARK ETF	74,379	$7.213M	1.7%	$89908.77	—	COM	46429B523
FLTW	FRANKLIN FTSE TAIWAN ETF	216,355	$7.075M	1.7%	$38919.72	—	COM	35473P686
EIRL	ISHARES MSCI IRELAND CAPPED ETF	150,286	$6.873M	1.7%	$46379.44	—	COM	46429B507
FLAU	FRANKLIN FTSE AUSTRALIA ETF	258,907	$6.79M	1.6%	$23406.01	—	COM	35473P843
EFNL	ISHARES MSCI FINLAND ETF	173,628	$6.496M	1.6%	$36718.98	—	COM	46429B515
QUS	SPDR USA STRATEGIC FACTORS	58,098	$6.409M	1.5%	$92435.02	—	COM	78468R812
VOO	VANGUARD S&P 500 ETF	17,952	$6.307M	1.5%	$302482.25	—	COM	922908363
FLSW	FRANKLIN FTSE SWITZERLAND ETF	212,831	$6.189M	1.5%	$28739.01	—	COM	35473P694
EWD	ISHARES MSCI SWEDEN	189,345	$6.122M	1.5%	$30243.77	—	COM	464286756
EWO	ISHARES MSCI AUSTRIA	321,854	$6.115M	1.5%	$18122.95	—	COM	464286202
SCHZ	SCHWAB US AGGREGATE BOND ETF	133,119	$6.077M	1.5%	$54615.36	—	COM	808524839
EWN	ISHARES MSCI NETHERLANDS	154,701	$5.761M	1.4%	$32528.24	—	COM	464286814
VNQ	VANGUARD REAL ESTATE ETF	67,914	$5.602M	1.3%	$89671.88	—	COM	922908553
FLGB	FRANKLIN FTSE UNITED KINGDOM ETF	230,936	$5.284M	1.3%	$23846.22	—	COM	35473P678
FLCA	FRANKLIN FTSE CANADA ETF	174,762	$5.196M	1.2%	$30946.56	—	COM	35473P827
MDYV	SPDR S&P 400 MID CAP VALUE ETF	78,934	$5.109M	1.2%	$43942.48	—	COM	78464A839
XBI	SPDR S&P BIOTECH ETF	60,540	$5.025M	1.2%	$99270.09	—	COM	78464A870
ECH	ISHARES MSCI CHILE INVESTABLE MARKET	132,796	$3.597M	0.9%	$27484.59	—	COM	464286640
VNQI	VANGUARD GLOBAL EX-US REAL ESTATE ETF	84,055	$3.475M	0.8%	$54253.22	—	COM	922042676
FLKR	FRANKLIN FTSE SOUTH KOREA ETF	177,103	$3.452M	0.8%	$20444.05	—	COM	35473P710
VGSH	VANGUARD SHORT GOVT BOND IDX ETF	58,798	$3.4M	0.8%	$26272.19	—	COM	92206C102
SLYV	SPDR S&P 600 SMALL CAP VALUE ETF	40,545	$3.009M	0.7%	$62992.34	—	COM	78464A300
VTV	VANGUARD VALUE ETF	18,368	$2.578M	0.6%	$110259.96	—	COM	922908744
VTI	VANGUARD TOTAL STOCK MARKET ETF	13,023	$2.49M	0.6%	$165565.81	—	COM	922908769
IXJ	ISHARES S&P GLOBAL HEALTHCARE	24,914	$2.115M	0.5%	$68220.00	—	COM	464287325
TFC	TRUIST FINANCIAL CORP	48,068	$2.068M	0.5%	$42.07	-11.9%	COM	89832Q109
IXN	ISHARES GLOBAL TECHNOLOGY	44,297	$1.986M	0.5%	$83841.40	—	COM	464287291
WFC	WELLS FARGO CO	35,181	$1.453M	0.3%	$44.70	-8.7%	COM	949746101
BND	VANGUARD TOTAL BOND MARKET ETF	18,246	$1.311M	0.3%	$24646.21	—	COM	921937835
MSFT	MICROSOFT	5,433	$1.303M	0.3%	$190.69	+22.7%	COM	594918104
AAPL	APPLE COMPUTER INC	9,619	$1.25M	0.3%	$113.80	+23.6%	COM	037833100
NVO	NOVO NORDISK A/S ADR	8,942	$1.21M	0.3%	$72748.55	—	COM	670100205
GD	GENERAL DYNAMICS CORP	4,577	$1.136M	0.3%	$185.25	+23.5%	COM	369550108
FREL	FIDELITY MSCI REAL ESTATE ETF	40,054	$994K	0.2%	$24.81	—	COM	316092857
NSC	NORFOLK SOUTHERN CORP	3,921	$966K	0.2%	$233.71	-5.7%	COM	655844108
SCHG	SCHWAB US LARGE CAP GROWTH ETF	16,609	$923K	0.2%	$88788.27	—	COM	808524300
AZN	ASTRAZENECA PLC ADR	13,507	$916K	0.2%	$51532.01	—	COM	046353108
AMZN	AMAZON COM INC	10,811	$908K	0.2%	$122.55	-19.4%	COM	023135106
META	FACEBOOK INC CLASS A	7,419	$893K	0.2%	$187.75	-37.9%	COM	30303M102
UNH	UNITEDHEALTH GROUP INC	1,634	$866K	0.2%	$263.07	+90.2%	COM	91324P102
VO	VANGUARD MID CAP ETF	3,901	$795K	0.2%	$179159.94	—	COM	922908629
XOM	EXXON MOBIL CORPORATION	6,896	$761K	0.2%	$53.66	+79.4%	COM	30231G102
GMAB	GENMAB A/S	17,219	$730K	0.2%	$34016.26	—	COM	372303206
SCHV	SCHWAB US LARGE CAP VALUE ETF	10,859	$717K	0.2%	$60339.06	—	COM	808524409
NVS	NOVARTIS A G SPON ADR	7,882	$715K	0.2%	$86836.69	—	COM	66987V109
EWL	ISHARES MSCI SWITZERLAND	16,195	$679K	0.2%	$40780.00	—	COM	464286749
ACN	ACCENTURE PLC CL A	2,454	$655K	0.2%	$179.89	+46.8%	COM	G1151C101
JNJ	JOHNSON & JOHNSON	3,576	$632K	0.2%	$125.52	+25.1%	COM	478160104
ALC	ALCON INC	9,152	$627K	0.2%	$70.08	-9.9%	COM	H01301128
NKSH	NATL BANKSHARES INC	15,207	$613K	0.1%	$29.19	+6.0%	COM	634865109
V	VISA INC	2,846	$591K	0.1%	$178.63	+10.3%	COM	92826C839
MCD	MC DONALDS CORP	2,073	$546K	0.1%	$177.50	+38.2%	COM	580135101
—	GMS INC	10,694	$533K	0.1%	$25303.30	—	COM	36251C103
UNP	UNION PACIFIC CORP	2,518	$521K	0.1%	$171.80	+10.7%	COM	907818108
TXN	TEXAS INSTRUMENTS INC	2,962	$489K	0.1%	$108.15	+40.5%	COM	882508104
SCHH	SCHWAB US REIT ETF	24,876	$480K	0.1%	$32917.52	—	COM	808524847
SPY	SPDR S&P 500 ETF	1,108	$424K	0.1%	$430429.88	—	COM	78462F103
SNN	SMITH & NEPHEW ADR NEW	15,605	$420K	0.1%	$38634.68	—	COM	83175M205
IBB	ISHARES NASDAQ BIOTECHNOLOGY	3,164	$415K	0.1%	$116697.14	—	COM	464287556
ELV	ELEVANCE HEALTH INC	791	$406K	0.1%	$416.25	+16.4%	COM	036752103
LMT	LOCKHEED MARTIN CORP	832	$405K	0.1%	$333.58	+27.9%	COM	539830109
KO	COCA COLA CO	6,305	$401K	0.1%	$49.78	+10.3%	COM	191216100
BRK/B	BERKSHIRE HATHAWAY CL B	1,292	$399K	0.1%	$219.80	+35.1%	COM	084670702
PG	PROCTER & GAMBLE CO	2,575	$390K	0.1%	$109.93	+18.1%	COM	742718109
HON	HONEYWELL INTERNATIONAL	1,766	$378K	0.1%	$145.22	+23.1%	COM	438516106
DE	DEERE & CO	830	$356K	0.1%	$328.58	+18.3%	COM	244199105
IWN	ISHARES RUSSELL 2000 VALUE	2,488	$345K	0.1%	$117164.92	—	COM	464287630
DIS	DISNEY WALT COMPANY DEL	3,970	$345K	0.1%	$138.97	-32.8%	COM	254687106
CVX	CHEVRONTEXACO CORP	1,838	$330K	0.1%	$122.75	+24.8%	COM	166764100
JPM	JP MORGAN CHASE & CO	2,422	$325K	0.1%	$113.11	+4.0%	COM	46625H100
FISV	FISERV INC	3,200	$323K	0.1%	$110.41	-9.8%	COM	337738108
ADP	AUTO DATA PROCESSING	1,354	$323K	0.1%	$152.64	+50.0%	COM	053015103
D	DOMINION RES INC VA NEW	4,773	$293K	0.1%	$60.84	-11.8%	COM	25746U109
CAT	CATERPILLER INC	1,192	$286K	0.1%	$187.00	+10.5%	COM	149123101
MCK	MCKESSON HBOC INC	726	$272K	0.1%	$266.57	+37.8%	COM	58155Q103
NVR	N V R INC	59	$272K	0.1%	$3860.26	+13.9%	COM	62944T105
BAC	BANK OF AMERICA CORP	8,105	$268K	0.1%	$33.34	-4.9%	COM	060505104
GOOG	ALPHABET INC CLASS C	3,002	$266K	0.1%	$107.93	-12.2%	COM	02079K107
ABBV	ABBVIE INC	1,611	$260K	0.1%	$126.83	+8.2%	COM	00287Y109
DFAC	DIMENSIONAL US CORE EQUITY 2 ETF	10,179	$247K	0.1%	$22240.00	—	COM	25434V708
PFE	PFIZER INCORPORATED	4,647	$238K	0.1%	$40.23	-0.1%	COM	717081103
IWS	ISHARES RUSSELL MIDCAP VALUE	2,206	$232K	0.1%	$97601.84	—	COM	464287473
LNG	CHENIERE ENERGY INC	1,500	$225K	0.1%	$121.52	+37.7%	COM	16411R208
FRDM	FREEDOM 100 EMERGING MARKETS ETF	7,706	$212K	0.1%	$27.58	—	COM	02072L607
PEP	PEPSICO INC.	1,155	$209K	0.1%	$143.78	+11.9%	COM	713448108
GOOGL	ALPHABET INC CLASS A	2,289	$202K	0.0%	$109.05	-13.5%	COM	02079K305
HLN	HALEON PLC	19,222	$154K	0.0%	$8.00	—	COM	405552100
BHC	BAUSCH HEALTH COS INC	20,531	$129K	0.0%	$29.08	-76.0%	COM	071734107
—	GATOS SILVER INC	30,000	$123K	0.0%	$2491.92	—	COM	368036109
CDE	COEUR D ALENE MINES CORP	20,000	$67,200	0.0%	$7.04	-49.5%	COM	192108504
—	CANOPY GROWTH CORP	23,336	$53,906	0.0%	$26803.67	—	COM	138035100
NRDY	NERDY INC	15,000	$33,750	0.0%	$2.68	-19.0%	COM	64081V109
—	REGIS CORP MINN	20,000	$24,400	0.0%	$2120.00	—	COM	758932107