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
3M CO COM 88579Y101   172,275 1,639 SH   SOLE NONE 188 0 1,451
AGILENT TECHNOLOGIES INC COM 00846U101   178,459 1,290 SH   SOLE NONE 1,290 0 0
AMAZON COM INC COM 023135106   300,790 2,912 SH   SOLE NONE 1,363 0 1,549
APPLE INC COM 037833100   1,224,217 7,424 SH   SOLE NONE 3,124 0 4,300
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   1,244,748 21,285 SH   SOLE NONE 21,285 0 0
BRKSHR HTHWY CL A 084670108   9,777,600 21 SH   SOLE NONE 1 0 20
BRKSHR HTHWY CL B NEW 084670702   2,213,264 7,168 SH   SOLE NONE 3,161 0 4,007
CHVRN CORP COM 166764100   453,585 2,780 SH   SOLE NONE 336 0 2,444
COCA COLA CO COM 191216100   436,567 7,038 SH   SOLE NONE 6,838 0 200
COSTCO WHSL CORP NEW COM 22160K105   235,516 474 SH   SOLE NONE 474 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   1,469,974 62,882 SH   SOLE NONE 48,982 0 13,900
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   469,958 19,742 SH   SOLE NONE 10,742 0 9,000
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   4,539,363 102,008 SH   SOLE NONE 102,008 0 0
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532   9,322,031 531,776 SH   SOLE NONE 508,495 0 23,281
EXXON MOBIL CORP COM 30231G102   278,427 2,539 SH   SOLE NONE 0 0 2,539
FNB CORP COM 302520101   211,097 18,198 SH   SOLE NONE 0 0 18,198
FIFTH THIRD BANCORP COM 316773100   152,860 5,738 SH   SOLE NONE 0 0 5,738
HOME DEPOT INC COM 437076102   336,437 1,140 SH   SOLE NONE 1,090 0 50
INVESCO QQQ TR UNIT SER 1 46090E103   427,800 1,333 SH   SOLE NONE 1,333 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   479,865 1,964 SH   SOLE NONE 1,964 0 0
ISHARES TR CORE S&P TTL STK 464287150   591,835 6,536 SH   SOLE NONE 6,536 0 0
ISHARES NEW ISHARES GOLD TR 464285204   1,229,267 32,895 SH   SOLE NONE 27,084 0 5,811
ISHARES TR MSCI EAFE ETF 464287465   260,976 3,649 SH   SOLE NONE 3,649 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   311,181 7,886 SH   SOLE NONE 7,886 0 0
ISHARES TR MSCI KLD400 SOC 464288570   3,438,424 44,088 SH   SOLE NONE 40,682 0 3,406
ISHARES TR MSCI USA MIN VOL 46429B697   450,988 6,200 SH   SOLE NONE 6,200 0 0
ISHARES TR RUS 1000 ETF 464287622   215,770 958 SH   SOLE NONE 958 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   336,342 2,209 SH   SOLE NONE 2,209 0 0
ISHARES TR RUS 3000 ETF 464287689   549,212 2,333 SH   SOLE NONE 2,333 0 0
ISHARES TR CORE S&P 500 ETF 464287200   573,110 1,394 SH   SOLE NONE 1,394 0 0
ISHARES TR TIPS BD ETF 464287176   1,295,285 11,749 SH   SOLE NONE 10,152 0 1,597
ISHARES TR U.S. MED DVC ETF 464288810   194,328 3,600 SH   SOLE NONE 3,600 0 0
LILIUM N V CLASS A ORD SHS N52586109   97,588 150,136 SH   SOLE NONE 0 0 150,136
MERCK & CO INC COM 58933Y105   338,215 3,179 SH   SOLE NONE 1,670 0 1,509
MERIDIANLINK INC COM 58985J105   1,402,166 81,050 SH   SOLE NONE 4,150 0 76,900
MICROCHIP TECHNOLOGY INC. COM 595017104   217,828 2,600 SH   SOLE NONE 2,600 0 0
MICROSOFT CORP COM 594918104   743,239 2,578 SH   SOLE NONE 1,586 0 992
ORACLE CORP COM 68389x105   201,172 2,165 SH   SOLE NONE 2,165 0 0
PINNACLE FINL PARTNERS INC COM 72346q104   244,083 4,425 SH   SOLE NONE 200 0 4,225
PROCTER AND GAMBLE CO COM 742718109   262,586 1,766 SH   SOLE NONE 860 0 906
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   785,251 30,144 SH   SOLE NONE 30,144 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   199,572 600 SH   SOLE NONE 600 0 0
SPDR SER TRST DJ REIT ETF 78464A607   798,576 8,995 SH   SOLE NONE 8,995 0 0
SPDR SER TR S&P DIVID ETF 78464A763   200,658 1,622 SH   SOLE NONE 1,622 0 0
STARBUCKS CORP COM 855244109   235,334 2,260 SH   SOLE NONE 2,260 0 0
STRYKER CORPORATION COM 863667101   191,265 670 SH   SOLE NONE 670 0 0
VALLEY NATL BANCORP COM 919794107   310,224 33,574 SH   SOLE NONE 0 0 33,574
VGRD SPEC PORT DIV APP ETF 921908844   13,093,656 85,017 SH   SOLE NONE 85,017 0 0
VGRD TX MNGD FTSE DEV MKT ETF 921943858   305,937 6,773 SH   SOLE NONE 6,773 0 0
VGRD INTL EQ IDX SM CP VAL ETF 922908611   452,942 2,853 SH   SOLE NONE 2,067 0 786
VGRD IDX FDS LG CP ETF 922908637   10,776,121 57,685 SH   SOLE NONE 57,685 0 0
VGRD WRLD FD MEGA CP IDX 921910873   652,718 4,560 SH   SOLE NONE 4,560 0 0
VRGD IDX FDS MD CP ETF 922908629   4,081,431 19,352 SH   SOLE NONE 19,352 0 0
VGRD IDX FDS REAL ESTATE ETF 922908553   92,962,942 1,119,498 SH   SOLE NONE 1,005,247 0 114,251
VGRD IDX FDS S&P 500 ETF SHS 922908363   602,841 1,603 SH   SOLE NONE 975 0 628
VGRD IDX FDS SM CP ETF 922908751   1,093,956 5,771 SH   SOLE NONE 5,771 0 0
VGRD IDX FDS TOT STK MKT ETF 922908769   205,975,088 1,009,187 SH   SOLE NONE 815,750 0 193,437
VISA INC COM CL A 92826c839   268,297 1,190 SH   SOLE NONE 1,190 0 0
WALMART INC COM 931142103   294,900 2,000 SH   SOLE NONE 2,000 0 0