The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbvie Inc COM 00287Y109   748 4,108 SH   SOLE 0 4,108 0 0
Advanced Micro Devic COM 007903107   302 1,672 SH   SOLE 0 1,672 0 0
Air Products & Chemicals Inc COM 009158106   396 1,635 SH   SOLE 0 1,635 0 0
Alpha Architect 1-3 Month Box ETF COM 02072L565   5,236 49,183 SH   SOLE 0 49,183 0 0
Avantis US Large Cap Value ETF US LARGE CAP VLU 025072349   29,255 455,264 SH   SOLE 0 455,264 0 0
Avantis Emerging Markets Equity ETF AVANTIS EMGMKT 025072604   9,740 168,041 SH   SOLE 0 168,041 0 0
Avantis International Small Cap Value ETF INTL SMCP VLU 025072802   20,766 315,305 SH   SOLE 0 315,305 0 0
Avantis U.S. Small Cap Value ETF US SML CP VALU 025072877   12,644 134,925 SH   SOLE 0 134,925 0 0
Anavex Life Sciences COM 032797300   155 30,500 SH   SOLE 0 30,500 0 0
Apple Inc COM 037833100   2,892 16,863 SH   SOLE 0 16,863 0 0
Automatic Data Processing COM 053015103   455 1,823 SH   SOLE 0 1,823 0 0
Berkshire Hath. Cl B COM 084670207   757 1,800 SH   SOLE 0 1,800 0 0
Broadcom Ltd COM 11135F101   995 751 SH   SOLE 0 751 0 0
CME Group Inc COM 12572Q105   211 981 SH   SOLE 0 981 0 0
Cambria Shareholder Yield ETF SHSHLD YIELD ETF 132061201   14,490 197,762 SH   SOLE 0 197,762 0 0
Cambria Foreign Shareholder Yield ETF CAMBRIA FGN SHR 132061300   8,187 303,126 SH   SOLE 0 303,126 0 0
Cambria Emerging Shareholder Yield ETF EMRG SHAREHLDR 132061706   5,425 161,734 SH   SOLE 0 161,734 0 0
Chevron Corp COM 166764100   753 4,775 SH   SOLE 0 4,775 0 0
Cincinnati Financial COM 172062101   495 3,990 SH   SOLE 0 3,990 0 0
Cisco Systems COM 17275R102   277 5,555 SH   SOLE 0 5,555 0 0
Compass Diversified COM 20451Q104   1,059 44,000 SH   SOLE 0 44,000 0 0
Dell Computers COM 247025109   243 2,129 SH   SOLE 0 2,129 0 0
Dimensional US High Profitability ETF COM 25434V831   13,286 420,306 SH   SOLE 0 420,306 0 0
Duke Energy Corporation COM 26441C105   382 3,953 SH   SOLE 0 3,953 0 0
Eaton Corporation COM 278058102   643 2,055 SH   SOLE 0 2,055 0 0
Energy Transfer LP COM 29273V100   289 18,399 SH   SOLE 0 18,399 0 0
Exxon Mobil Corp COM 30231G102   862 7,415 SH   SOLE 0 7,415 0 0
Meta Platforms Inc COM 30303M102   1,018 2,097 SH   SOLE 0 2,097 0 0
Flexshares Morningstar Global Upstream Natural Resources MORNSTAR UPSTR 33939L407   560 13,629 SH   SOLE 0 13,629 0 0
Metaverse Capital Corp COM 37958T100   0 50,000 SH   SOLE 0 50,000 0 0
Home Depot COM 437076102   761 1,984 SH   SOLE 0 1,984 0 0
Hubbell Inc Class B COM 443510201   378 910 SH   SOLE 0 910 0 0
Illinois Tool Works COM 452308109   289 1,076 SH   SOLE 0 1,076 0 0
Nasdaq 100 Shares UNIT SER 1 46090E103   373 840 SH   SOLE 0 840 0 0
Invesco High Yield Equity Dividend Achievers ETF HIG YLD EQ DIV 46137V563   205 9,920 SH   SOLE 0 9,920 0 0
iShares Mstar Large Core LRGE CORE INDX 464287127   236 3,252 SH   SOLE 0 3,252 0 0
iShares S&P 500 Index S&P 500 INDEX 464287200   1,927 3,664 SH   SOLE 0 3,664 0 0
iShares S&P Midcap 400 CORE S&P MCP ETF 464287507   661 10,876 SH   SOLE 0 10,876 0 0
iShares Russell 1000 Value RUSSELL1000VAL 464287598   1,309 7,307 SH   SOLE 0 7,307 0 0
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614   1,004 2,980 SH   SOLE 0 2,980 0 0
iShares Russell 1000 Index RUSSELL 1000 464287622   23,704 82,297 SH   SOLE 0 82,297 0 0
iShares Russell 2000 Value Idx RUSL 2000 VALU 464287630   711 4,477 SH   SOLE 0 4,477 0 0
iShares Russell 2000 Idx RUSSELL 2000 ETF 464287655   1,974 9,386 SH   SOLE 0 9,386 0 0
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804   37,110 335,777 SH   SOLE 0 335,777 0 0
iShares 3-7 Year Treasury Bond 3-7 YR TR BD ETF 464288661   5,155 44,515 SH   SOLE 0 44,515 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842   26,244 353,601 SH   SOLE 0 353,601 0 0
iShares Core 1-5 Year USD Bond ETF CORE 1 5 YR USD 46432F859   444 9,358 SH   SOLE 0 9,358 0 0
iShares Core MSCI Emerging Markets CORE MSCI EMKT 46434G103   10,193 197,533 SH   SOLE 0 197,533 0 0
iShares 0-3 Month Treasury Bond ETF 0-3 MNTH TREASRY 46436E718   19,760 196,204 SH   SOLE 0 196,204 0 0
JPMorgan Chase & Co COM 46625H100   496 2,476 SH   SOLE 0 2,476 0 0
JPMorgan Equity Premium EQUITY PREMIUM 46641Q332   1,095 18,927 SH   SOLE 0 18,927 0 0
Johnson & Johnson COM 478160104   289 1,826 SH   SOLE 0 1,826 0 0
Keurig Dr Pepper Inc. COM 49271V100   273 8,916 SH   SOLE 0 8,916 0 0
Kroger Corp COM 501044101   280 4,907 SH   SOLE 0 4,907 0 0
Lilly Eli & Co COM 532457108   871 1,120 SH   SOLE 0 1,120 0 0
Lockheed Martin Corp COM 539830109   312 686 SH   SOLE 0 686 0 0
Marathon Group Corp COM 565807401   0 300,000 SH   SOLE 0 300,000 0 0
Marsh & McLennan COM 571748102   458 2,224 SH   SOLE 0 2,224 0 0
Mastercard Inc COM 57636Q104   212 440 SH   SOLE 0 440 0 0
Matador Resources Co COM 576485205   335 5,020 SH   SOLE 0 5,020 0 0
McDonalds Corp COM 580135101   629 2,231 SH   SOLE 0 2,231 0 0
Medical Svcs Intl Cl A COM 58463C101   0 50,000 SH   SOLE 0 50,000 0 0
Merck & Co COM 589331107   857 6,493 SH   SOLE 0 6,493 0 0
Microsoft COM 594918104   1,147 2,725 SH   SOLE 0 2,725 0 0
Mondelez Intl Inc Cl A COM 609207105   620 8,857 SH   SOLE 0 8,857 0 0
Netlist, Inc. COM 64118P109   32 19,500 SH   SOLE 0 19,500 0 0
Nextera Energy Inc COM 65339F101   485 7,596 SH   SOLE 0 7,596 0 0
NW Biotherapeutics COM 66737P600   31 60,150 SH   SOLE 0 60,150 0 0
Nvidia Corp COM 67066G104   708 783 SH   SOLE 0 783 0 0
Otter Tail Corp COM 689648103   455 5,266 SH   SOLE 0 5,266 0 0
PNC Financial Services COM 693475105   472 2,922 SH   SOLE 0 2,922 0 0
Paychex Inc COM 704326107   230 1,871 SH   SOLE 0 1,871 0 0
Pepsico Inc COM 713448108   771 4,405 SH   SOLE 0 4,405 0 0
Phillips 66 COM 718546104   422 2,584 SH   SOLE 0 2,584 0 0
Procter & Gamble COM 742718109   18,538 114,253 SH   SOLE 0 114,253 0 0
Prologis Inc COM 74340W103   318 2,444 SH   SOLE 0 2,444 0 0
Qualcomm Inc COM 747525103   242 1,431 SH   SOLE 0 1,431 0 0
Realty Income Corp. COM 756109104   339 6,270 SH   SOLE 0 6,270 0 0
SPDR S&P 500 ETF TR UNIT 78462F103   486 929 SH   SOLE 0 929 0 0
SPDR Gold Trust GOLD SHS 78463V107   267 1,298 SH   SOLE 0 1,298 0 0
SPDR Developed World ex-US ETF PORTFOLIO DEVLPD 78463X889   2,408 67,176 SH   SOLE 0 67,176 0 0
SPDR S&P 600 Small Cap Value S&P 600 SMCP VAL 78464A300   1,649 19,878 SH   SOLE 0 19,878 0 0
Charles Schwab Corp COM 808513105   271 3,752 SH   SOLE 0 3,752 0 0
Schwab U.S. Broad Market ETF US BRD MKT ETF 808524102   4,014 65,757 SH   SOLE 0 65,757 0 0
Schwab US Large Cap ETF US LRG CAP ETF 808524201   256 4,128 SH   SOLE 0 4,128 0 0
Schwab U.S. Small Cap ETF US SML CAP ETF 808524607   1,272 25,833 SH   SOLE 0 25,833 0 0
Schwab Emerging Market ETF EMRG MKTEQ ETF 808524706   1,567 62,048 SH   SOLE 0 62,048 0 0
Schwab Fundamental Emg Mkts Large Co Index SCHWB FDT EMK LG 808524730   924 33,289 SH   SOLE 0 33,289 0 0
Schwab Fundamental International Large Cap SCHWB FDT INT LG 808524755   19,380 544,217 SH   SOLE 0 544,217 0 0
Schwab Fundamental US Small Cap ETF SCHWAB FDT US SC 808524763   495 8,676 SH   SOLE 0 8,676 0 0
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797   6,253 77,551 SH   SOLE 0 77,551 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805   42,545 1,090,328 SH   SOLE 0 1,090,328 0 0
Sellas Life Sciences Gro COM 81642T209   203 200,600 SH   SOLE 0 200,600 0 0
Sempra Energy COM 816851109   406 5,648 SH   SOLE 0 5,648 0 0
Service Corp Int'l, Inc. COM 817565104   5,041 67,934 SH   SOLE 0 67,934 0 0
Starbucks Corp COM 855244109   673 7,362 SH   SOLE 0 7,362 0 0
Texas Instruments COM 882508104   415 2,382 SH   SOLE 0 2,382 0 0
Travelers Co COM 89417E109   508 2,209 SH   SOLE 0 2,209 0 0
US Bancorp COM 902973304   467 10,440 SH   SOLE 0 10,440 0 0
United Parcel Service COM 911312106   253 1,701 SH   SOLE 0 1,701 0 0
Vanguard Dividend Appreciation DIV APP ETF 921908844   2,632 14,411 SH   SOLE 0 14,411 0 0
Vanguard US Multifactor US MULTIFACTOR 921935607   12,289 96,845 SH   SOLE 0 96,845 0 0
Vanguard Short Term Bond Index SHORT TRM BOND 921937827   851 11,095 SH   SOLE 0 11,095 0 0
Vanguard Total Bond Market TOTAL BND MRKT 921937835   342 4,704 SH   SOLE 0 4,704 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858   9,270 184,778 SH   SOLE 0 184,778 0 0
Vanguard High Dividend Yield Index Fund HIGH DIV YLD 921946406   33,783 279,225 SH   SOLE 0 279,225 0 0
Vanguard International High Dividend ETF INTL HIGH ETF 921946794   2,750 39,972 SH   SOLE 0 39,972 0 0
Vanguard FTSE All-World ex-US Sm-Cp ETF FTSE SMCAP ETF 922042718   1,147 9,817 SH   SOLE 0 9,817 0 0
Vanguard Emerging Market FTSE EMR MKT ETF 922042858   3,700 88,583 SH   SOLE 0 88,583 0 0
Vanguard Energy ETF ENERGY ETF 92204A306   270 2,048 SH   SOLE 0 2,048 0 0
Vanguard Short-Term Treasury Index SHORT TERM TREAS 92206C102   31,065 534,950 SH   SOLE 0 534,950 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680   1,276 14,723 SH   SOLE 0 14,723 0 0
Vanguard Intermediate-Term Treasury Index INTER TERM TREAS 92206C706   34,088 582,208 SH   SOLE 0 582,208 0 0
Vanguard Russell 1000 ETF VNG RUS1000IDX 92206C730   13,963 58,588 SH   SOLE 0 58,588 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363   125,085 260,214 SH   SOLE 0 260,214 0 0
Vanguard Real Estate Index REIT ETF 922908553   1,083 12,520 SH   SOLE 0 12,520 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595   1,421 5,449 SH   SOLE 0 5,449 0 0
Vanguard Large Cap Value ETF VALUE ETF 922908744   4,931 30,277 SH   SOLE 0 30,277 0 0
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769   364 1,401 SH   SOLE 0 1,401 0 0
Williams Companies COM 969457100   372 9,553 SH   SOLE 0 9,553 0 0
Wisdomtree Small Cap Dividend SMALLCAP DIVID 97717W604   1,072 32,806 SH   SOLE 0 32,806 0 0
Nxp Semiconductors COM N6596X109   203 818 SH   SOLE 0 818 0 0
iShares Short-Term National Muni Bond ETF SHRT NAT MUN ETF 464288158   7,626 72,817 SH   SOLE 0 72,817 0 0
iShares National AMT-Free Muni Bond NATIONAL MUN ETF 464288414   9,575 88,990 SH   SOLE 0 88,990 0 0