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
Estimated average burden
hours per response: 23.8
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
23ANDME HOLDING CO CLASS A COM 90138Q108   391,636 181,313 SH   SOLE   181,313 0 0
3M CO COM 88579Y101   301,599 2,515 SH   SOLE   2,515 0 0
ABBOTT LABS COM 002824100   304,667 2,775 SH   SOLE   2,775 0 0
ABBVIE INC COM 00287Y109   404,025 2,500 SH   SOLE   2,500 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   327,946 1,229 SH   SOLE   1,229 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   416,961 1,239 SH   SOLE   1,239 0 0
ALCON AG ORD SHS H01301128   208,872 3,047 SH   SOLE   3,047 0 0
ALKERMES PLC SHS G01767105   263,913 10,100 SH   SOLE   10,100 0 0
ALPHABET INC CAP STK CL C 02079K107   354,920 4,000 SH   SOLE   4,000 0 0
ALPHABET INC CAP STK CL A 02079K305   1,105,434 12,529 SH   SOLE   12,529 0 0
ALPS ETF TR ALERIAN MLP 00162Q452   259,429 6,815 SH   SOLE   6,814 0 0
AMAZON COM INC COM 023135106   1,600,284 19,051 SH   SOLE   19,051 0 0
AMERICAN TOWER CORP NEW COM 03027X100   237,071 1,119 SH   SOLE   1,119 0 0
AMERIPRISE FINL INC COM 03076C106   284,281 913 SH   SOLE   913 0 0
AMGEN INC COM 031162100   252,134 960 SH   SOLE   960 0 0
ANSYS INC COM 03662Q105   235,309 974 SH   SOLE   974 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   275,764 4,323 SH   SOLE   4,323 0 0
APPLE INC COM 037833100   608,332 4,682 SH   SOLE   4,682 0 0
ATMOS ENERGY CORP COM 049560105   230,864 2,060 SH   SOLE   2,060 0 0
AUTODESK INC COM 052769106   217,890 1,166 SH   SOLE   1,166 0 0
BANCO SANTANDER S.A. ADR 05964H105   62,062 21,038 SH   SOLE   21,038 0 0
BAXTER INTL INC COM 071813109   299,245 5,871 SH   SOLE   5,871 0 0
CAPITAL ONE FINL CORP COM 14040H105   211,484 2,275 SH   SOLE   2,275 0 0
CENTRAL SECS CORP COM 155123102   681,202 20,402 SH   SOLE   20,402 0 0
CLOROX CO DEL COM 189054109   280,239 1,997 SH   SOLE   1,997 0 0
COCA COLA CO COM 191216100   239,746 3,769 SH   SOLE   3,769 0 0
COPART INC COM 217204106   249,588 4,099 SH   SOLE   4,099 0 0
CORTEVA INC COM 22052L104   340,865 5,799 SH   SOLE   5,799 0 0
COSTAR GROUP INC COM 22160N109   306,338 3,964 SH   SOLE   3,964 0 0
COSTCO WHSL CORP NEW COM 22160K105   420,893 922 SH   SOLE   922 0 0
COTERRA ENERGY INC COM 127097103   204,152 8,309 SH   SOLE   8,309 0 0
CROWN CASTLE INC COM 22822V101   248,492 1,832 SH   SOLE   1,832 0 0
CUE HEALTH INC COM 229790100   85,592 41,349 SH   SOLE   41,349 0 0
CULLEN FROST BANKERS INC COM 229899109   211,380 1,581 SH   SOLE   1,581 0 0
DANAHER CORPORATION COM 235851102   320,627 1,208 SH   SOLE   1,208 0 0
DENTSPLY SIRONA INC COM 24906P109   489,413 15,371 SH   SOLE   15,371 0 0
ECOLAB INC COM 278865100   245,269 1,685 SH   SOLE   1,685 0 0
ETSY INC COM 29786A106   312,266 2,607 SH   SOLE   2,607 0 0
EVOLV TECHNOLOGIES HLDNGS IN COM CL A 30049H102   52,494 20,268 SH   SOLE   20,268 0 0
FARFETCH LTD ORD SH CL A 30744W107   204,431 43,220 SH   SOLE   43,220 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   3,563,592 28,937 SH   SOLE   28,937 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795   218,578 4,336 SH   SOLE   4,336 0 0
FLEXSHARES TR READY ACC VARI 33939L886   397,668 5,345 SH   SOLE   5,345 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   434,743 10,001 SH   SOLE   10,001 0 0
GENERAL DYNAMICS CORP COM 369550108   203,202 819 SH   SOLE   819 0 0
HEALTHCARE RLTY TR CL A COM 42226K105   266,639 13,837 SH   SOLE   13,837 0 0
HONEYWELL INTL INC COM 438516106   234,444 1,094 SH   SOLE   1,094 0 0
INTUIT COM 461202103   228,472 587 SH   SOLE   587 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   4,327,670 16,252 SH   SOLE   16,252 0 0
ISHARES INC CORE MSCI EMKT 46434G103   464,694 9,951 SH   SOLE   9,950 0 0
ISHARES TR NATIONAL MUN ETF 464288414   214,664 2,034 SH   SOLE   2,034 0 0
ISHARES TR MSCI INTL VLU FT 46435G409   43,889,933 1,894,257 SH   SOLE   1,894,256 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   13,635,683 118,685 SH   SOLE   118,684 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   14,957,506 207,455 SH   SOLE   207,455 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   3,168,598 18,173 SH   SOLE   18,172 0 0
ISHARES TR CORE S&P500 ETF 464287200   8,900,511 23,166 SH   SOLE   23,165 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   4,746,057 125,226 SH   SOLE   125,225 0 0
ISHARES TR RUS MID CAP ETF 464287499   5,977,689 88,624 SH   SOLE   88,624 0 0
ISHARES TR CORE US AGGBD ET 464287226   782,247 8,065 SH   SOLE   8,065 0 0
ISHARES TR CORE DIV GRWTH 46434V621   6,270,317 125,406 SH   SOLE   125,406 0 0
ISHARES TR SP SMCP600VL ETF 464287879   843,321 9,236 SH   SOLE   9,235 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   90,224,562 408,848 SH   SOLE   408,847 0 0
ISHARES TR MSCI ACWI ETF 464288257   106,683,893 1,256,879 SH   SOLE   1,256,879 0 0
ISHARES TR CORE S&P SCP ETF 464287804   9,302,867 98,297 SH   SOLE   98,297 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   349,729 1,632 SH   SOLE   1,632 0 0
ISHARES TR CORE MSCI EAFE 46432F842   30,740,327 498,707 SH   SOLE   498,707 0 0
ISHARES TR RUS 1000 ETF 464287622   202,883 964 SH   SOLE   963 0 0
ISHARES TR CORE S&P MCP ETF 464287507   15,350,240 63,460 SH   SOLE   63,459 0 0
ISHARES TR MSCI EAFE ETF 464287465   11,277,837 171,813 SH   SOLE   171,813 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   212,022 1,398 SH   SOLE   1,398 0 0
JOHNSON & JOHNSON COM 478160104   376,265 2,130 SH   SOLE   1,630 0 0
KIMBERLY-CLARK CORP COM 494368103   388,652 2,863 SH   SOLE   2,863 0 0
LENNAR CORP CL A 526057104   266,161 2,941 SH   SOLE   2,941 0 0
LINDE PLC SHS G5494J103   219,519 673 SH   SOLE   673 0 0
LIVEONE INC COM 53814X102   24,133 37,503 SH   SOLE   37,503 0 0
MARQETA INC CLASS A COM 57142B104   167,255 27,374 SH   SOLE   27,374 0 0
MARTIN MARIETTA MATLS INC COM 573284106   243,000 719 SH   SOLE   719 0 0
MASTERCARD INCORPORATED CL A 57636Q104   747,620 2,150 SH   SOLE   2,150 0 0
MERCK & CO INC COM 58933Y105   265,725 2,395 SH   SOLE   2,395 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   251,636 3,582 SH   SOLE   3,582 0 0
MICROSOFT CORP COM 594918104   1,923,596 8,021 SH   SOLE   8,021 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   132,286 19,833 SH   SOLE   19,833 0 0
MUELLER WTR PRODS INC COM SER A 624758108   180,994 16,821 SH   SOLE   16,821 0 0
NIKE INC CL B 654106103   317,799 2,716 SH   SOLE   2,716 0 0
NORTHERN TR CORP COM 665859104   327,767 3,704 SH   SOLE   3,704 0 0
NU HLDGS LTD ORD SHS CL A G6683N103   57,184 14,050 SH   SOLE   14,050 0 0
ONEMAIN HLDGS INC COM 68268W103   613,637 18,422 SH   SOLE   18,422 0 0
OSCAR HEALTH INC CL A 687793109   79,775 32,429 SH   SOLE   32,429 0 0
PARKER-HANNIFIN CORP COM 701094104   266,556 916 SH   SOLE   916 0 0
PAYPAL HLDGS INC COM 70450Y103   273,698 3,843 SH   SOLE   3,843 0 0
PNC FINL SVCS GROUP INC COM 693475105   212,429 1,345 SH   SOLE   1,345 0 0
PROCTER AND GAMBLE CO COM 742718109   221,126 1,459 SH   SOLE   1,459 0 0
QUALCOMM INC COM 747525103   200,091 1,820 SH   SOLE   1,820 0 0
RLX TECHNOLOGY INC SPONSORED ADS 74969N103   37,911 16,483 SH   SOLE   16,483 0 0
RPM INTL INC COM 749685103   223,550 2,294 SH   SOLE   2,294 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,532,502 295,949 SH   SOLE   295,948 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   7,314,118 309,004 SH   SOLE   309,003 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   69,323,171 1,547,047 SH   SOLE   1,547,046 0 0
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205   376,998 14,020 SH   SOLE   14,020 0 0
SNOWFLAKE INC CL A 833445109   288,228 2,008 SH   SOLE   2,008 0 0
SONY GROUP CORPORATION SPONSORED ADR 835699307   206,414 2,706 SH   SOLE   2,706 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   89,404,845 233,781 SH   SOLE   233,780 0 0
SPDR SER TR S&P BIOTECH 78464A870   4,250,302 51,208 SH   SOLE   51,208 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   26,991,483 532,692 SH   SOLE   532,691 0 0
STARBUCKS CORP COM 855244109   203,856 2,055 SH   SOLE   2,055 0 0
STRYKER CORPORATION COM 863667101   272,117 1,113 SH   SOLE   1,113 0 0
TRAVELERS COMPANIES INC COM 89417E109   304,671 1,625 SH   SOLE   1,625 0 0
UNITEDHEALTH GROUP INC COM 91324P102   499,430 942 SH   SOLE   942 0 0
UNIVERSAL HLTH SVCS INC CL B 913903100   260,365 1,848 SH   SOLE   1,848 0 0
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   356,375 7,814 SH   SOLE   7,813 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   72,876,369 519,173 SH   SOLE   519,173 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   7,017,941 85,087 SH   SOLE   85,086 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   46,737,227 244,454 SH   SOLE   244,454 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   9,928,341 200,613 SH   SOLE   200,613 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   32,304,990 769,716 SH   SOLE   769,716 0 0
VULCAN MATLS CO COM 929160109   517,800 2,957 SH   SOLE   2,957 0 0
XCEL ENERGY INC COM 98389B100   227,647 3,247 SH   SOLE   3,247 0 0
XYLEM INC COM 98419M100   253,095 2,289 SH   SOLE   2,289 0 0
ZOETIS INC CL A 98978V103   291,195 1,987 SH   SOLE   1,987 0 0