Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VOE	VANGUARD MID CAP VALUE ETF	238,555	$35.55M	7.4%	$109842.80	—	COM	922908512
VGT	VANGUARD INFO TECHNOLOGY ETF	61,054	$35.55M	7.4%	$286534.50	—	COM	92204A702
VTIP	VANGUARD SHORT INFLATION-PROTECTED ETF	639,271	$30.72M	6.4%	$42075.88	—	COM	922020805
BNDX	VANGUARD TOTAL INTERNATIONAL BOND ETF	583,394	$28.25M	5.8%	$47248.25	—	COM	92203J407
XCEM	COLUMBIA EMRG MKTS CORE EX-CHINA ETF	783,934	$25.02M	5.2%	$29.39	—	COM	19762B202
VBR	VANGUARD SMALL CAP VALUE ETF	135,275	$24.43M	5.1%	$126125.58	—	COM	922908611
VDC	VANGUARD CONSUMER STAPLES ETF	99,954	$20.17M	4.2%	$152448.28	—	COM	92204A207
VHT	VANGUARD HEALTH CARE ETF	68,938	$18.25M	3.8%	$203286.64	—	COM	92204A504
VWO	VANGUARD FTSE EMERGING MARKET ETF	354,373	$15.54M	3.2%	$39684.78	—	COM	922042858
VWOB	VANGUARD EMERGING MARKET GOVT BOND ETF	245,981	$15.35M	3.2%	$68789.52	—	COM	921946885
SCHO	SCHWAB SHORT TERM US TREASURY	286,269	$13.72M	2.8%	$48943.29	—	COM	808524862
SCHP	SCHWAB US TIPS ETF	231,849	$11.96M	2.5%	$51633.36	—	COM	808524870
EDEN	ISHARES MSCI DENMARK ETF	74,895	$9.562M	2.0%	$78634.73	—	COM	46429B523
EFNL	ISHARES MSCI FINLAND ETF	260,431	$9.293M	1.9%	$24491.91	—	COM	46429B515
EIRL	ISHARES MSCI IRELAND CAPPED ETF	140,524	$9.082M	1.9%	$45906.55	—	COM	46429B507
EWD	ISHARES MSCI SWEDEN	213,338	$8.608M	1.8%	$23802.26	—	COM	464286756
QUS	SPDR USA STRATEGIC FACTORS	58,222	$8.58M	1.8%	$85614.59	—	COM	78468R812
EWN	ISHARES MSCI NETHERLANDS	165,022	$8.325M	1.7%	$28008.83	—	COM	464286814
FLSW	FRANKLIN FTSE SWITZERLAND ETF	248,115	$8.237M	1.7%	$24612.67	—	COM	35473P694
ENZL	ISHARES MSCI NEW ZEALAND	181,176	$8.175M	1.7%	$45459.32	—	COM	464289123
EWO	ISHARES MSCI AUSTRIA	361,883	$8.023M	1.7%	$15174.48	—	COM	464286202
VOO	VANGUARD S&P 500 ETF	15,415	$7.727M	1.6%	$302482.25	—	COM	922908363
SCHZ	SCHWAB US AGGREGATE BOND ETF	142,034	$6.42M	1.3%	$50109.90	—	COM	808524839
XBI	SPDR S&P BIOTECH ETF	64,668	$6.017M	1.2%	$88437.58	—	COM	78464A870
SCHE	SCHWAB EMERGING MARKET EQUITY ETF	211,196	$5.622M	1.2%	$23356.25	—	COM	808524706
MDYV	SPDR S&P 400 MID CAP VALUE ETF	71,343	$5.16M	1.1%	$42293.74	—	COM	78464A839
FLGR	FRANKLIN FTSE GERMANY ETF	211,672	$5.105M	1.1%	$24.36	—	COM	35473P785
VNQ	VANGUARD REAL ESTATE ETF	58,649	$4.866M	1.0%	$86367.35	—	COM	922908553
VGSH	VANGUARD SHORT GOVT BOND IDX ETF	81,045	$4.68M	1.0%	$18343.58	—	COM	92206C102
FLKR	FRANKLIN FTSE SOUTH KOREA ETF	178,673	$3.913M	0.8%	$13624.69	—	COM	35473P710
VNQI	VANGUARD GLOBAL EX-US REAL ESTATE ETF	93,179	$3.769M	0.8%	$47010.02	—	COM	922042676
FSTA	FIDELITY MSCI CONSUMER STAPLES ETF	76,889	$3.623M	0.7%	$45.00	—	COM	316092303
FREL	FIDELITY MSCI REAL ESTATE ETF	141,827	$3.556M	0.7%	$25.10	—	COM	316092857
VTI	VANGUARD TOTAL STOCK MARKET ETF	12,544	$3.363M	0.7%	$115174.19	—	COM	922908769
IXN	ISHARES GLOBAL TECHNOLOGY	39,275	$3.284M	0.7%	$83841.40	—	COM	464287291
FLTW	FRANKLIN FTSE TAIWAN ETF	66,799	$3.244M	0.7%	$36773.09	—	COM	35473P686
VTV	VANGUARD VALUE ETF	20,007	$3.196M	0.7%	$84686.70	—	COM	922908744
SLYV	SPDR S&P 600 SMALL CAP VALUE ETF	41,074	$3.184M	0.7%	$56999.13	—	COM	78464A300
NVO	NOVO NORDISK A/S ADR	16,925	$2.461M	0.5%	$36996.86	—	COM	670100205
FTEC	FIDELITY MSCI INFORMATION TECHNOLOGY ETF	14,140	$2.448M	0.5%	$146.62	—	COM	316092808
FHLC	FIDELITY MSCI HEALTH ETF	34,923	$2.385M	0.5%	$64.10	—	COM	316092600
MSFT	MICROSOFT	5,134	$2.345M	0.5%	$216.60	+92.6%	COM	594918104
IXJ	ISHARES S&P GLOBAL HEALTHCARE	24,099	$2.23M	0.5%	$68220.00	—	COM	464287325
META	META PLATFORMS INC	4,399	$2.22M	0.5%	$187.75	+157.4%	COM	30303M102
WFC	WELLS FARGO CO	35,237	$2.135M	0.4%	$44.70	+27.2%	COM	949746101
AMZN	AMAZON COM INC	10,772	$2.124M	0.4%	$124.30	+47.8%	COM	023135106
ECH	ISHARES MSCI CHILE INVESTABLE MARKET	80,041	$2.047M	0.4%	$27484.59	—	COM	464286640
BND	VANGUARD TOTAL BOND MARKET ETF	27,039	$1.932M	0.4%	$16642.84	—	COM	921937835
AAPL	APPLE COMPUTER INC	8,553	$1.854M	0.4%	$115.50	+60.3%	COM	037833100
TFC	TRUIST FINANCIAL CORP	42,248	$1.658M	0.3%	$42.07	-16.9%	COM	89832Q109
FLAU	FRANKLIN FTSE AUSTRALIA ETF	57,362	$1.649M	0.3%	$23406.01	—	COM	35473P843
SCHG	SCHWAB US LARGE CAP GROWTH ETF	14,183	$1.442M	0.3%	$88788.27	—	COM	808524300
FLMX	FRANKLIN FTSE MEXICO ETF	43,155	$1.223M	0.3%	$29.92	—	COM	35473P736
GD	GENERAL DYNAMICS CORP	4,061	$1.169M	0.2%	$185.25	+53.3%	COM	369550108
AZN	ASTRAZENECA PLC ADR	13,185	$1.028M	0.2%	$50064.68	—	COM	046353108
VO	VANGUARD MID CAP ETF	3,601	$865K	0.2%	$179159.94	—	COM	922908629
NVS	NOVARTIS A G SPON ADR	7,378	$786K	0.2%	$86836.69	—	COM	66987V109
ALC	ALCON INC	8,612	$758K	0.2%	$70.08	+21.2%	COM	H01301128
ACN	ACCENTURE PLC CL A	2,476	$749K	0.2%	$179.89	+66.4%	COM	G1151C101
UNH	UNITEDHEALTH GROUP INC	1,499	$741K	0.2%	$268.26	+76.4%	COM	91324P102
V	VISA INC	2,535	$667K	0.1%	$180.27	+50.2%	COM	92826C839
—	GMS INC	8,220	$643K	0.1%	$25034.83	—	COM	36251C103
SPY	SPDR S&P 500 ETF	1,167	$636K	0.1%	$391918.34	—	COM	78462F103
MCD	MC DONALDS CORP	2,452	$613K	0.1%	$199.62	+27.8%	COM	580135101
TXN	TEXAS INSTRUMENTS INC	3,147	$613K	0.1%	$112.46	+56.6%	COM	882508104
EWL	ISHARES MSCI SWITZERLAND	12,550	$604K	0.1%	$40780.00	—	COM	464286749
XOM	EXXON MOBIL CORPORATION	4,683	$538K	0.1%	$56.47	+94.9%	COM	30231G102
JPM	JP MORGAN CHASE & CO	2,602	$535K	0.1%	$130.91	+44.5%	COM	46625H100
FISV	FISERV INC	3,211	$472K	0.1%	$110.41	+37.1%	COM	337738108
BRK/B	BERKSHIRE HATHAWAY CL B	1,154	$468K	0.1%	$237.15	+72.3%	COM	084670702
SCHV	SCHWAB US LARGE CAP VALUE ETF	6,302	$465K	0.1%	$60339.06	—	COM	808524409
KO	COCA COLA CO	7,036	$445K	0.1%	$51.34	+14.7%	COM	191216100
NKSH	NATL BANKSHARES INC	15,207	$443K	0.1%	$29.19	-7.7%	COM	634865109
JNJ	JOHNSON & JOHNSON	2,964	$434K	0.1%	$131.55	+7.5%	COM	478160104
IBB	ISHARES NASDAQ BIOTECHNOLOGY	3,148	$431K	0.1%	$116697.14	—	COM	464287556
MCK	MCKESSON HBOC INC	728	$427K	0.1%	$306.72	+80.2%	COM	58155Q103
UNP	UNION PACIFIC CORP	1,897	$427K	0.1%	$172.48	+30.7%	COM	907818108
NVR	N V R INC	57	$426K	0.1%	$3860.26	+98.1%	COM	62944T105
VEA	VANGUARD DEVELOPED MARKETS IDX ETF	8,400	$415K	0.1%	$47.55	—	COM	921943858
NSC	NORFOLK SOUTHERN CORP	1,932	$413K	0.1%	$228.87	-2.0%	COM	655844108
DUK	DUKE ENERGY CORP	4,058	$403K	0.1%	$94.26	0.0%	COM	26441C204
GOOGL	ALPHABET INC CLASS A	2,179	$399K	0.1%	$111.65	+49.9%	COM	02079K305
DIS	DISNEY WALT COMPANY DEL	3,843	$377K	0.1%	$137.29	-23.1%	COM	254687106
CVX	CHEVRONTEXACO CORP	2,380	$373K	0.1%	$129.48	+14.6%	COM	166764100
LMT	LOCKHEED MARTIN CORP	770	$359K	0.1%	$334.70	+31.9%	COM	539830109
HON	HONEYWELL INTERNATIONAL	1,657	$350K	0.1%	$145.62	+26.2%	COM	438516106
IWN	ISHARES RUSSELL 2000 VALUE	2,308	$348K	0.1%	$117164.92	—	COM	464287630
ELV	ELEVANCE HEALTH INC	640	$342K	0.1%	$416.25	+23.4%	COM	036752103
SCHH	SCHWAB US REIT ETF	17,230	$341K	0.1%	$32917.52	—	COM	808524847
GMAB	GENMAB A/S	13,643	$339K	0.1%	$34016.26	—	COM	372303206
DFAC	DIMENSIONAL US CORE EQUITY 2 ETF	10,179	$328K	0.1%	$22240.00	—	COM	25434V708
ADP	AUTO DATA PROCESSING	1,372	$323K	0.1%	$157.57	+50.2%	COM	053015103
ABBV	ABBVIE INC	1,834	$312K	0.1%	$129.20	+21.6%	COM	00287Y109
—	GATOS SILVER INC	30,000	$311K	0.1%	$2491.92	—	COM	368036109
SNN	SMITH & NEPHEW ADR NEW	12,649	$310K	0.1%	$38634.68	—	COM	83175M205
IBM	INTL BUSINESS MACHINES	1,720	$301K	0.1%	$165.85	0.0%	COM	459200101
DE	DEERE & CO	834	$301K	0.1%	$328.58	+15.8%	COM	244199105
PG	PROCTER & GAMBLE CO	1,834	$298K	0.1%	$118.00	+33.2%	COM	742718109
LNG	CHENIERE ENERGY INC	1,500	$260K	0.1%	$121.52	+31.0%	COM	16411R208
GOOG	ALPHABET INC CLASS C	1,261	$233K	0.0%	$168.88	0.0%	COM	02079K107
CAT	CATERPILLER INC	697	$229K	0.0%	$338.69	0.0%	COM	149123101
IWS	ISHARES RUSSELL MIDCAP VALUE	1,902	$227K	0.0%	$97601.84	—	COM	464287473
BAC	BANK OF AMERICA CORP	5,126	$205K	0.0%	$27.61	+33.4%	COM	060505104
VFC	VF CORPORATION	14,919	$192K	0.0%	$17.16	-23.5%	COM	918204108
HLN	HALEON PLC	16,753	$139K	0.0%	$8.00	—	COM	405552100
BHC	BAUSCH HEALTH COS INC	17,552	$124K	0.0%	$29.08	-74.0%	COM	071734107
CDE	COEUR D ALENE MINES CORP	15,000	$81,000	0.0%	$5.65	-8.7%	COM	192108504
NRDY	NERDY INC	25,000	$40,250	0.0%	$3.19	-31.0%	COM	64081V109
SGRP	SPAR GROUP INC	13,500	$31,995	0.0%	$2.00	0.0%	COM	784933103
EDUC	EDUCATIONAL DEV CORP	12,700	$23,368	0.0%	$2.08	0.0%	COM	281479105