Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VOE	VANGUARD MID CAP VALUE ETF	236,977	$39.73M	7.8%	$103175.12	—	COM	922908512
VGT	VANGUARD INFO TECHNOLOGY ETF	57,021	$33.44M	6.6%	$269083.06	—	COM	92204A702
VTIP	VANGUARD SHORT INFLATION-PROTECTED ETF	647,044	$31.91M	6.3%	$41079.52	—	COM	922020805
BNDX	VANGUARD TOTAL INTERNATIONAL BOND ETF	593,206	$29.83M	5.9%	$45851.83	—	COM	92203J407
XCEM	COLUMBIA EMRG MKTS CORE EX-CHINA ETF	868,104	$28.36M	5.6%	$29.71	—	COM	19762B202
VBR	VANGUARD SMALL CAP VALUE ETF	137,007	$27.51M	5.4%	$118297.38	—	COM	922908611
VDC	VANGUARD CONSUMER STAPLES ETF	95,608	$20.89M	4.1%	$141474.64	—	COM	92204A207
VHT	VANGUARD HEALTH CARE ETF	65,803	$18.57M	3.6%	$200160.58	—	COM	92204A504
VWOB	VANGUARD EMERGING MARKET GOVT BOND ETF	250,328	$16.61M	3.3%	$66463.92	—	COM	921946885
VWO	VANGUARD FTSE EMERGING MARKET ETF	334,056	$15.98M	3.1%	$39267.94	—	COM	922042858
SCHO	SCHWAB SHORT TERM US TREASURY	287,288	$14.07M	2.8%	$25084.12	—	COM	808524862
SCHP	SCHWAB US TIPS ETF	245,167	$13.15M	2.6%	$24824.47	—	COM	808524870
EFNL	ISHARES MSCI FINLAND ETF	260,798	$9.88M	1.9%	$24491.91	—	COM	46429B515
EDEN	ISHARES MSCI DENMARK ETF	76,936	$9.772M	1.9%	$72846.80	—	COM	46429B523
EIRL	ISHARES MSCI IRELAND CAPPED ETF	140,932	$9.669M	1.9%	$42218.02	—	COM	46429B507
EWD	ISHARES MSCI SWEDEN	215,721	$9.364M	1.8%	$23539.80	—	COM	464286756
QUS	SPDR USA STRATEGIC FACTORS	58,316	$9.188M	1.8%	$80321.51	—	COM	78468R812
FLSW	FRANKLIN FTSE SWITZERLAND ETF	242,991	$8.759M	1.7%	$23599.98	—	COM	35473P694
ENZL	ISHARES MSCI NEW ZEALAND	176,290	$8.711M	1.7%	$43036.72	—	COM	464289123
EWN	ISHARES MSCI NETHERLANDS	165,726	$8.429M	1.7%	$25754.54	—	COM	464286814
EWO	ISHARES MSCI AUSTRIA	360,798	$8.235M	1.6%	$15013.73	—	COM	464286202
VOO	VANGUARD S&P 500 ETF	14,422	$7.61M	1.5%	$291322.78	—	COM	922908363
SCHZ	SCHWAB US AGGREGATE BOND ETF	144,366	$6.86M	1.3%	$24855.22	—	COM	808524839
FLGR	FRANKLIN FTSE GERMANY ETF	232,023	$6.174M	1.2%	$24.55	—	COM	35473P785
XBI	SPDR S&P BIOTECH ETF	61,930	$6.119M	1.2%	$86667.75	—	COM	78464A870
SCHE	SCHWAB EMERGING MARKET EQUITY ETF	206,733	$6.032M	1.2%	$21475.94	—	COM	808524706
VNQ	VANGUARD REAL ESTATE ETF	54,248	$5.285M	1.0%	$82553.84	—	COM	922908553
VGSH	VANGUARD SHORT GOVT BOND IDX ETF	85,252	$5.032M	1.0%	$16092.02	—	COM	92206C102
MDYV	SPDR S&P 400 MID CAP VALUE ETF	58,408	$4.641M	0.9%	$40006.25	—	COM	78464A839
FSTA	FIDELITY MSCI CONSUMER STAPLES ETF	90,395	$4.615M	0.9%	$46.02	—	COM	316092303
VNQI	VANGUARD GLOBAL EX-US REAL ESTATE ETF	94,250	$4.421M	0.9%	$45394.57	—	COM	922042676
FREL	FIDELITY MSCI REAL ESTATE ETF	141,485	$4.171M	0.8%	$25.12	—	COM	316092857
SLYV	SPDR S&P 600 SMALL CAP VALUE ETF	41,987	$3.645M	0.7%	$52654.76	—	COM	78464A300
VTI	VANGUARD TOTAL STOCK MARKET ETF	12,426	$3.519M	0.7%	$104874.13	—	COM	922908769
VTV	VANGUARD VALUE ETF	20,119	$3.512M	0.7%	$77419.63	—	COM	922908744
IXN	ISHARES GLOBAL TECHNOLOGY	38,267	$3.158M	0.6%	$83841.40	—	COM	464287291
FTEC	FIDELITY MSCI INFORMATION TECHNOLOGY ETF	17,429	$3.041M	0.6%	$157.44	—	COM	316092808
FHLC	FIDELITY MSCI HEALTH ETF	40,184	$2.925M	0.6%	$65.32	—	COM	316092600
FLTW	FRANKLIN FTSE TAIWAN ETF	58,775	$2.835M	0.6%	$35845.20	—	COM	35473P686
META	META PLATFORMS INC	4,369	$2.501M	0.5%	$187.75	+242.6%	COM	30303M102
FLKR	FRANKLIN FTSE SOUTH KOREA ETF	116,622	$2.472M	0.5%	$11162.77	—	COM	35473P710
IXJ	ISHARES S&P GLOBAL HEALTHCARE	23,316	$2.289M	0.4%	$66040.43	—	COM	464287325
ECH	ISHARES MSCI CHILE INVESTABLE MARKET	83,219	$2.27M	0.4%	$25353.59	—	COM	464286640
MSFT	MICROSOFT	4,869	$2.095M	0.4%	$227.20	+78.3%	COM	594918104
WFC	WELLS FARGO CO	35,237	$1.991M	0.4%	$44.70	+64.9%	COM	949746101
NVO	NOVO NORDISK A/S ADR	16,653	$1.983M	0.4%	$35745.67	—	COM	670100205
AAPL	APPLE COMPUTER INC	8,504	$1.982M	0.4%	$118.86	+94.2%	COM	037833100
AMZN	AMAZON COM INC	10,364	$1.931M	0.4%	$125.59	+72.8%	COM	023135106
TFC	TRUIST FINANCIAL CORP	42,197	$1.805M	0.4%	$42.07	+1.5%	COM	89832Q109
BND	VANGUARD TOTAL BOND MARKET ETF	23,816	$1.789M	0.4%	$16125.17	—	COM	921937835
FLMX	FRANKLIN FTSE MEXICO ETF	54,029	$1.443M	0.3%	$28.72	—	COM	35473P736
FLAU	FRANKLIN FTSE AUSTRALIA ETF	44,429	$1.427M	0.3%	$20803.94	—	COM	35473P843
SCHG	SCHWAB US LARGE CAP GROWTH ETF	11,939	$1.244M	0.2%	$23276.29	—	COM	808524300
GD	GENERAL DYNAMICS CORP	3,883	$1.173M	0.2%	$185.25	+38.1%	COM	369550108
AZN	ASTRAZENECA PLC ADR	12,998	$1.013M	0.2%	$48480.24	—	COM	046353108
VO	VANGUARD MID CAP ETF	3,601	$950K	0.2%	$179159.94	—	COM	922908629
SPY	SPDR S&P 500 ETF	1,566	$898K	0.2%	$220509.86	—	COM	78462F103
UNH	UNITEDHEALTH GROUP INC	1,492	$872K	0.2%	$268.26	+86.2%	COM	91324P102
ACN	ACCENTURE PLC CL A	2,447	$865K	0.2%	$179.89	+94.3%	COM	G1151C101
ALC	ALCON INC	8,477	$848K	0.2%	$70.92	+26.0%	COM	H01301128
NVS	NOVARTIS A G SPON ADR	7,270	$836K	0.2%	$83651.73	—	COM	66987V109
MCD	MC DONALDS CORP	2,438	$742K	0.1%	$199.62	+46.7%	COM	580135101
V	VISA INC	2,535	$697K	0.1%	$180.27	+86.6%	COM	92826C839
EWL	ISHARES MSCI SWITZERLAND	12,910	$673K	0.1%	$37012.99	—	COM	464286749
TXN	TEXAS INSTRUMENTS INC	3,158	$652K	0.1%	$112.46	+62.0%	COM	882508104
FISV	FISERV INC	3,211	$577K	0.1%	$110.41	+98.3%	COM	337738108
NVR	N V R INC	57	$559K	0.1%	$3860.26	+97.0%	COM	62944T105
JPM	JP MORGAN CHASE & CO	2,579	$544K	0.1%	$143.66	+74.7%	COM	46625H100
XOM	EXXON MOBIL CORPORATION	4,583	$537K	0.1%	$58.83	+82.2%	COM	30231G102
BRK/B	BERKSHIRE HATHAWAY CL B	1,154	$531K	0.1%	$237.15	+105.0%	COM	084670702
KO	COCA COLA CO	6,866	$493K	0.1%	$51.34	+26.6%	COM	191216100
NSC	NORFOLK SOUTHERN CORP	1,930	$479K	0.1%	$228.87	+4.6%	COM	655844108
—	GMS INC	5,245	$475K	0.1%	$25034.83	—	COM	36251C103
UNP	UNION PACIFIC CORP	1,885	$465K	0.1%	$172.48	+36.6%	COM	907818108
DUK	DUKE ENERGY CORP	4,027	$464K	0.1%	$94.44	+17.1%	COM	26441C204
JNJ	JOHNSON & JOHNSON	2,854	$463K	0.1%	$132.85	+14.8%	COM	478160104
IBB	ISHARES NASDAQ BIOTECHNOLOGY	3,148	$458K	0.1%	$116697.14	—	COM	464287556
NKSH	NATL BANKSHARES INC	15,207	$455K	0.1%	$29.19	-8.8%	COM	634865109
—	GATOS SILVER INC	30,000	$452K	0.1%	$2491.92	—	COM	368036109
GOOGL	ALPHABET INC CLASS A	2,724	$452K	0.1%	$127.89	+41.3%	COM	02079K305
LMT	LOCKHEED MARTIN CORP	765	$447K	0.1%	$336.49	+33.2%	COM	539830109
SCHV	SCHWAB US LARGE CAP VALUE ETF	5,544	$446K	0.1%	$23322.56	—	COM	808524409
SNN	SMITH & NEPHEW ADR NEW	12,613	$393K	0.1%	$36296.37	—	COM	83175M205
ADP	AUTO DATA PROCESSING	1,362	$377K	0.1%	$157.57	+87.5%	COM	053015103
IBM	INTL BUSINESS MACHINES	1,660	$367K	0.1%	$170.41	+40.5%	COM	459200101
DIS	DISNEY WALT COMPANY DEL	3,747	$360K	0.1%	$136.06	-21.9%	COM	254687106
MCK	MCKESSON HBOC INC	728	$360K	0.1%	$306.72	+100.8%	COM	58155Q103
ABBV	ABBVIE INC	1,780	$352K	0.1%	$131.63	+43.9%	COM	00287Y109
DFAC	DIMENSIONAL US CORE EQUITY 2 ETF	10,179	$349K	0.1%	$22240.00	—	COM	25434V708
DE	DEERE & CO	834	$348K	0.1%	$328.58	+40.5%	COM	244199105
HON	HONEYWELL INTERNATIONAL	1,657	$343K	0.1%	$145.62	+36.3%	COM	438516106
CVX	CHEVRONTEXACO CORP	2,323	$342K	0.1%	$129.48	+16.2%	COM	166764100
IWN	ISHARES RUSSELL 2000 VALUE	2,046	$341K	0.1%	$111160.63	—	COM	464287630
ELV	ELEVANCE HEALTH INC	640	$333K	0.1%	$416.25	-5.3%	COM	036752103
GMAB	GENMAB A/S	13,532	$330K	0.1%	$32159.92	—	COM	372303206
GOOG	ALPHABET INC CLASS C	1,821	$304K	0.1%	$168.68	+8.2%	COM	02079K107
VFC	VF CORPORATION	14,919	$298K	0.1%	$17.16	+29.1%	COM	918204108
PG	PROCTER & GAMBLE CO	1,680	$291K	0.1%	$123.31	+33.0%	COM	742718109
CAT	CATERPILLER INC	697	$273K	0.1%	$338.69	+3.9%	COM	149123101
LNG	CHENIERE ENERGY INC	1,500	$270K	0.1%	$121.52	+85.3%	COM	16411R208
IWS	ISHARES RUSSELL MIDCAP VALUE	1,902	$252K	0.0%	$82996.77	—	COM	464287473
SCHH	SCHWAB US REIT ETF	9,822	$228K	0.0%	$23.17	—	COM	808524847
VCSH	VANGUARD SHORT CORP BOND ETF	2,819	$224K	0.0%	$79.43	—	COM	92206C409
WMT	WAL-MART STORES INC	2,591	$209K	0.0%	$74.22	+25.2%	COM	931142103
VEA	VANGUARD DEVELOPED MARKETS IDX ETF	3,865	$204K	0.0%	$52.81	—	COM	921943858
BAC	BANK OF AMERICA CORP	5,126	$203K	0.0%	$28.32	+54.0%	COM	060505104
VIG	VANGUARD DIVIDEND APPR ETF	1,012	$200K	0.0%	$198.06	—	COM	921908844
HLN	HALEON PLC	16,494	$175K	0.0%	$8.11	—	COM	405552100
BHC	BAUSCH HEALTH COS INC	17,352	$142K	0.0%	$28.14	-74.5%	COM	071734107
CDE	COEUR D ALENE MINES CORP	15,000	$103K	0.0%	$5.65	+9.2%	COM	192108504
NRDY	NERDY INC	25,000	$24,578	0.0%	$3.19	-47.2%	COM	64081V109