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   216,842 2,063 SH   SOLE   0 0 2,063
A-MARK PRECIOUS METALS INC COM 00181T107   241,580 6,972 SH   SOLE   0 0 6,972
ABBVIE INC COM 00287Y109   377,866 2,371 SH   SOLE   0 0 2,371
ADEIA INC COM 00676P107   210,301 23,736 SH   SOLE   0 0 23,736
ALCON AG ORD SHS H01301128   277,434 3,933 SH   SOLE   0 0 3,933
ALPHABET INC CAP STK CL A 02079K305   1,549,000 14,933 SH   SOLE   0 0 14,933
ALPHABET INC CAP STK CL C 02079K107   1,410,488 13,562 SH   SOLE   0 0 13,562
ALTRIA GROUP INC COM 02209S103   348,839 7,818 SH   SOLE   0 0 7,818
AMAZON COM INC COM 023135106   1,307,307 12,657 SH   SOLE   0 0 12,657
AMBEV SA SPONSORED ADR 02319V103   212,631 75,401 SH   SOLE   0 0 75,401
AMERICAN INTL GROUP INC COM NEW 026874784   252,404 5,012 SH   SOLE   0 0 5,012
AMGEN INC COM 031162100   723,800 2,994 SH   SOLE   0 0 2,994
APA CORPORATION COM 03743Q108   223,572 6,200 SH   SOLE   0 0 6,200
APPLE INC COM 037833100   29,578,400 179,372 SH   SOLE   0 0 179,372
ASSERTIO HOLDINGS INC COM NEW 04546C205   117,616 18,464 SH   SOLE   0 0 18,464
ATLASSIAN CORPORATION CL A 049468101   901,381 5,266 SH   SOLE   0 0 5,266
AUTOZONE INC COM 053332102   211,401 86 SH   SOLE   0 0 86
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   334,868 47,499 SH   SOLE   0 0 47,499
BANK NEW YORK MELLON CORP COM 064058100   395,101 8,695 SH   SOLE   0 0 8,695
BEACON ROOFING SUPPLY INC COM 073685109   202,385 3,439 SH   SOLE   0 0 3,439
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   853,132 2,763 SH   SOLE   0 0 2,763
BHP GROUP LTD SPONSORED ADS 088606108   523,957 8,263 SH   SOLE   0 0 8,263
BIOGEN INC COM 09062X103   236,882 852 SH   SOLE   0 0 852
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   5,324,431 117,693 SH   SOLE   0 0 117,693
BOOKING HOLDINGS INC COM 09857L108   655,145 247 SH   SOLE   0 0 247
BRISTOL-MYERS SQUIBB CO COM 110122108   726,299 10,479 SH   SOLE   0 0 10,479
BUILDERS FIRSTSOURCE INC COM 12008R107   400,842 4,515 SH   SOLE   0 0 4,515
C H ROBINSON WORLDWIDE INC COM NEW 12541W209   245,742 2,473 SH   SOLE   0 0 2,473
CANADIAN NATL RY CO COM 136375102   212,700 1,803 SH   SOLE   0 0 1,803
CARDINAL HEALTH INC COM 14149Y108   321,404 4,257 SH   SOLE   0 0 4,257
CDW CORP COM 12514G108   1,127,828 5,787 SH   SOLE   0 0 5,787
CF INDS HLDGS INC COM 125269100   438,420 6,048 SH   SOLE   0 0 6,048
CHEVRON CORP NEW COM 166764100   505,628 3,099 SH   SOLE   0 0 3,099
CISCO SYS INC COM 17275R102   428,278 8,193 SH   SOLE   0 0 8,193
CITIGROUP INC COM NEW 172967424   345,638 7,371 SH   SOLE   0 0 7,371
CONFLUENT INC CLASS A COM 20717M103   512,595 21,296 SH   SOLE   0 0 21,296
COPART INC COM 217204106   722,091 9,601 SH   SOLE   0 0 9,601
DARDEN RESTAURANTS INC COM 237194105   384,021 2,475 SH   SOLE   0 0 2,475
DELL TECHNOLOGIES INC CL C 24703L202   426,709 10,612 SH   SOLE   0 0 10,612
DILLARDS INC CL A 254067101   259,682 844 SH   SOLE   0 0 844
DOW INC COM 260557103   506,427 9,238 SH   SOLE   0 0 9,238
DXC TECHNOLOGY CO COM 23355L106   387,515 15,161 SH   SOLE   0 0 15,161
E L F BEAUTY INC COM 26856L103   318,612 3,869 SH   SOLE   0 0 3,869
EDWARDS LIFESCIENCES CORP COM 28176E108   560,827 6,779 SH   SOLE   0 0 6,779
ENOVIX CORPORATION COM 293594107   1,118,250 75,000 SH   SOLE   0 0 75,000
EQUITABLE HLDGS INC COM 29452E101   216,348 8,521 SH   SOLE   0 0 8,521
FAIR ISAAC CORP COM 303250104   1,007,657 1,434 SH   SOLE   0 0 1,434
FISERV INC COM 337738108   263,360 2,330 SH   SOLE   0 0 2,330
FOMENTO ECONOMICO MEXICANO S SPON ADR UNITS 344419106   629,967 6,618 SH   SOLE   0 0 6,618
GARTNER INC COM 366651107   374,310 1,149 SH   SOLE   0 0 1,149
GENERAL MLS INC COM 370334104   389,698 4,560 SH   SOLE   0 0 4,560
GLOBAL PMTS INC COM 37940X102   231,212 2,197 SH   SOLE   0 0 2,197
GODADDY INC CL A 380237107   228,730 2,943 SH   SOLE   0 0 2,943
HDFC BANK LTD SPONSORED ADS 40415F101   210,544 3,158 SH   SOLE   0 0 3,158
HEALTHPEAK PROPERTIES INC COM 42250P103   304,669 13,867 SH   SOLE   0 0 13,867
HERITAGE COMM CORP COM 426927109   83,677 10,045 SH   SOLE   0 0 10,045
HEWLETT PACKARD ENTERPRISE C COM 42824C109   515,307 32,348 SH   SOLE   0 0 32,348
HOST HOTELS & RESORTS INC COM 44107P104   542,851 32,920 SH   SOLE   0 0 32,920
HP INC COM 40434L105   624,287 21,270 SH   SOLE   0 0 21,270
ICICI BANK LIMITED ADR 45104G104   210,168 9,739 SH   SOLE   0 0 9,739
IMMERSION CORP COM 452521107   98,081 10,971 SH   SOLE   0 0 10,971
INGLES MKTS INC CL A 457030104   297,322 3,352 SH   SOLE   0 0 3,352
INTER PARFUMS INC COM 458334109   279,786 1,967 SH   SOLE   0 0 1,967
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   363,015 15,627 SH   SOLE   0 0 15,627
ISHARES TR 10-20 YR TRS ETF 464288653   5,193,888 45,346 SH   SOLE   0 0 45,346
ISHARES TR 20 YR TR BD ETF 464287432   1,571,195 14,771 SH   SOLE   0 0 14,771
ISHARES TR CONV BD ETF 46435G102   331,147 4,560 SH   SOLE   0 0 4,560
ISHARES TR CORE MSCI EAFE 46432F842   1,123,214 16,802 SH   SOLE   0 0 16,802
ISHARES INC CORE MSCI EMKT 46434G103   7,336,144 150,362 SH   SOLE   0 0 150,362
ISHARES TR CORE S&P500 ETF 464287200   12,574,530 30,589 SH   SOLE   0 0 30,589
ISHARES TR CORE S&P MCP ETF 464287507   1,487,582 5,947 SH   SOLE   0 0 5,947
ISHARES TR CORE S&P SCP ETF 464287804   1,028,791 10,639 SH   SOLE   0 0 10,639
ISHARES TR CORE TOTAL USD 46434V613   11,935,875 258,632 SH   SOLE   0 0 258,632
ISHARES TR CORE US AGGBD ET 464287226   361,195 3,625 SH   SOLE   0 0 3,625
ISHARES TR MSCI INTL VLU FT 46435G409   8,249,542 332,777 SH   SOLE   0 0 332,777
ISHARES TR MSCI USA MIN VOL 46429B697   6,672,648 91,733 SH   SOLE   0 0 91,733
ISHARES INC EMNG MKTS EQT 46434G889   1,585,815 38,194 SH   SOLE   0 0 38,194
ISHARES TR ESG EAFE ETF 46436E759   3,558,774 59,721 SH   SOLE   0 0 59,721
ISHARES TR ESG MSCI USA ETF 46436E767   3,902,194 117,998 SH   SOLE   0 0 117,998
ISHARES TR ESG ADV TTL USD 46436E619   8,030,837 185,770 SH   SOLE   0 0 185,770
ISHARES TR ESG AW MSCI EAFE 46435G516   3,016,131 41,984 SH   SOLE   0 0 41,984
ISHARES INC ESG AWR MSCI EM 46434G863   3,060,171 97,210 SH   SOLE   0 0 97,210
ISHARES TR ESG AWR MSCI USA 46435G425   20,959,657 231,726 SH   SOLE   0 0 231,726
ISHARES TR ESG AWARE MSCI 46435U663   2,378,246 69,969 SH   SOLE   0 0 69,969
ISHARES TR ESG MSCI EM LDRS 46436E601   2,073,482 45,541 SH   SOLE   0 0 45,541
ISHARES TR ESG MSCI LEADR 46435U218   7,656,317 107,442 SH   SOLE   0 0 107,442
ISHARES TR ESG AWR US AGRGT 46435U549   5,609,035 116,709 SH   SOLE   0 0 116,709
ISHARES TR ESG AWRE USD ETF 46435G193   3,808,384 165,474 SH   SOLE   0 0 165,474
ISHARES TR EUROPE ETF 464287861   6,743,396 134,814 SH   SOLE   0 0 134,814
ISHARES TR FALN ANGLS USD 46435G474   941,461 37,256 SH   SOLE   0 0 37,256
ISHARES TR GLOB HLTHCRE ETF 464287325   494,325 5,930 SH   SOLE   0 0 5,930
ISHARES TR GLB INFRASTR ETF 464288372   222,807 4,671 SH   SOLE   0 0 4,671
ISHARES TR GNMA BOND ETF 46429B333   244,975 5,510 SH   SOLE   0 0 5,510
ISHARES TR IBOXX INV CP ETF 464287242   2,813,360 25,667 SH   SOLE   0 0 25,667
ISHARES TR JPMORGAN USD EMG 464288281   1,601,703 18,564 SH   SOLE   0 0 18,564
ISHARES TR MBS ETF 464288588   10,125,130 106,884 SH   SOLE   0 0 106,884
ISHARES TR EAFE GRWTH ETF 464288885   15,271,153 163,014 SH   SOLE   0 0 163,014
ISHARES TR EAFE VALUE ETF 464288877   8,098,210 166,870 SH   SOLE   0 0 166,870
ISHARES INC MSCI EMERG MRKT 464286533   1,123,323 20,585 SH   SOLE   0 0 20,585
ISHARES TR MSCI EMG MKT ETF 464287234   896,373 22,716 SH   SOLE   0 0 22,716
ISHARES TR MSCI KLD400 SOC 464288570   4,375,083 56,098 SH   SOLE   0 0 56,098
ISHARES TR MSCI USA ESG SLC 464288802   1,543,787 17,589 SH   SOLE   0 0 17,589
ISHARES TR MSCI USA MMENTM 46432F396   523,486 3,765 SH   SOLE   0 0 3,765
ISHARES TR MSCI USA QLT FCT 46432F339   15,640,254 126,065 SH   SOLE   0 0 126,065
ISHARES TR MSCI USA VALUE 46432F388   1,101,133 11,893 SH   SOLE   0 0 11,893
ISHARES TR NATIONAL MUN ETF 464288414   11,140,016 103,397 SH   SOLE   0 0 103,397
ISHARES TR EXPND TEC SC ETF 464287549   570,397 1,681 SH   SOLE   0 0 1,681
ISHARES TR RUS 1000 ETF 464287622   861,730 3,826 SH   SOLE   0 0 3,826
ISHARES TR RUS 1000 GRW ETF 464287614   9,845,809 40,297 SH   SOLE   0 0 40,297
ISHARES TR RUS 1000 VAL ETF 464287598   541,437 3,556 SH   SOLE   0 0 3,556
ISHARES TR RUSEL 2500 ETF 46435G268   442,617 8,074 SH   SOLE   0 0 8,074
ISHARES TR RUS TP200 VL ETF 464289420   432,394 6,642 SH   SOLE   0 0 6,642
ISHARES TR S&P 100 ETF 464287101   3,248,511 17,368 SH   SOLE   0 0 17,368
ISHARES TR S&P 500 VAL ETF 464287408   671,538 4,425 SH   SOLE   0 0 4,425
ISHARES TR S&P SML 600 GWT 464287887   578,944 5,266 SH   SOLE   0 0 5,266
ISHARES TR SP SMCP600VL ETF 464287879   2,757,026 29,459 SH   SOLE   0 0 29,459
ISHARES TR SELECT DIVID ETF 464287168   4,270,869 36,447 SH   SOLE   0 0 36,447
ISHARES TR SHRT NAT MUN ETF 464288158   3,690,601 35,256 SH   SOLE   0 0 35,256
ISHARES TR U.S. TECH ETF 464287721   8,052,660 86,765 SH   SOLE   0 0 86,765
ISHARES TR U.S. ENERGY ETF 464287796   377,563 8,630 SH   SOLE   0 0 8,630
ISHARES TR US HLTHCARE ETF 464287762   923,216 3,381 SH   SOLE   0 0 3,381
ISHARES TR US INFRASTRUC 46435U713   1,272,313 34,092 SH   SOLE   0 0 34,092
ISHARES TR US TREAS BD ETF 46429B267   9,236,629 395,065 SH   SOLE   0 0 395,065
HENRY JACK & ASSOC INC COM 426281101   266,774 1,770 SH   SOLE   0 0 1,770
JOHNSON & JOHNSON COM 478160104   440,063 2,839 SH   SOLE   0 0 2,839
JPMORGAN CHASE & CO COM 46625H100   757,763 5,815 SH   SOLE   0 0 5,815
KEYCORP COM 493267108   182,680 14,591 SH   SOLE   0 0 14,591
KLA CORP COM NEW 482480100   316,143 792 SH   SOLE   0 0 792
LATTICE SEMICONDUCTOR CORP COM 518415104   260,906 2,732 SH   SOLE   0 0 2,732
LENNAR CORP CL A 526057104   211,902 2,016 SH   SOLE   0 0 2,016
LINDE PLC SHS G54950103   285,774 804 SH   SOLE   0 0 804
LKQ CORP COM 501889208   462,197 8,143 SH   SOLE   0 0 8,143
LOWES COS INC COM 548661107   483,527 2,418 SH   SOLE   0 0 2,418
MANULIFE FINL CORP COM 56501R106   356,459 19,415 SH   SOLE   0 0 19,415
MARATHON OIL CORP COM 565849106   479,008 19,992 SH   SOLE   0 0 19,992
MARATHON PETE CORP COM 56585A102   674,689 5,004 SH   SOLE   0 0 5,004
MARKEL CORP COM 570535104   329,572 258 SH   SOLE   0 0 258
MCDONALDS CORP COM 580135101   260,317 931 SH   SOLE   0 0 931
MCGRATH RENTCORP COM 580589109   1,188,123 12,733 SH   SOLE   0 0 12,733
MCKESSON CORP COM 58155Q103   671,154 1,885 SH   SOLE   0 0 1,885
MERCK & CO INC COM 58933Y105   387,629 3,643 SH   SOLE   0 0 3,643
META PLATFORMS INC CL A 30303M102   1,776,481 8,382 SH   SOLE   0 0 8,382
MGM RESORTS INTERNATIONAL COM 552953101   237,558 5,348 SH   SOLE   0 0 5,348
MICRON TECHNOLOGY INC COM 595112103   267,367 4,431 SH   SOLE   0 0 4,431
MICROSOFT CORP COM 594918104   3,268,052 11,336 SH   SOLE   0 0 11,336
MOTOROLA SOLUTIONS INC COM NEW 620076307   1,063,259 3,716 SH   SOLE   0 0 3,716
MUELLER INDS INC COM 624756102   440,513 5,995 SH   SOLE   0 0 5,995
NETFLIX INC COM 64110L106   227,326 658 SH   SOLE   0 0 658
NIKE INC CL B 654106103   287,605 2,345 SH   SOLE   0 0 2,345
NVIDIA CORPORATION COM 67066G104   500,819 1,803 SH   SOLE   0 0 1,803
OLD DOMINION FREIGHT LINE IN COM 679580100   568,862 1,669 SH   SOLE   0 0 1,669
ORACLE CORP COM 68389X105   221,243 2,381 SH   SOLE   0 0 2,381
PAYCHEX INC COM 704326107   299,080 2,610 SH   SOLE   0 0 2,610
PAYPAL HLDGS INC COM 70450Y103   582,232 7,667 SH   SOLE   0 0 7,667
POOL CORP COM 73278L105   490,032 1,431 SH   SOLE   0 0 1,431
PROLOGIS INC. COM 74340W103   316,916 2,540 SH   SOLE   0 0 2,540
P T TELEKOMUNIKASI INDONESIA SPONSORED ADR 715684106   260,265 9,544 SH   SOLE   0 0 9,544
PULTE GROUP INC COM 745867101   327,475 5,619 SH   SOLE   0 0 5,619
QUALCOMM INC COM 747525103   326,988 2,563 SH   SOLE   0 0 2,563
RIO TINTO PLC SPONSORED ADR 767204100   390,540 5,693 SH   SOLE   0 0 5,693
S&P GLOBAL INC COM 78409V104   384,419 1,115 SH   SOLE   0 0 1,115
SANMINA CORPORATION COM 801056102   283,116 4,642 SH   SOLE   0 0 4,642
SANOFI SPONSORED ADR 80105N105   228,129 4,192 SH   SOLE   0 0 4,192
SAP SE SPON ADR 803054204   427,233 3,376 SH   SOLE   0 0 3,376
SCHLUMBERGER LTD COM STK 806857108   295,471 6,018 SH   SOLE   0 0 6,018
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   16,203,381 345,414 SH   SOLE   0 0 345,414
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   212,383 2,903 SH   SOLE   0 0 2,903
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   248,041 5,128 SH   SOLE   0 0 5,128
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   515,141 7,791 SH   SOLE   0 0 7,791
SHELL PLC SPON ADS 780259305   406,266 7,061 SH   SOLE   0 0 7,061
SPDR SER TR NUVEEN BLMBRG MU 78468R721   12,785,091 273,069 SH   SOLE   0 0 273,069
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,645,801 34,612 SH   SOLE   0 0 34,612
SPDR SER TR PORTFOLI S&P1500 78464A805   213,181 4,227 SH   SOLE   0 0 4,227
SPDR SER TR PORTFOLIO S&P500 78464A854   45,446,151 943,845 SH   SOLE   0 0 943,845
SYNCHRONY FINANCIAL COM 87165B103   351,083 12,073 SH   SOLE   0 0 12,073
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,547,481 16,636 SH   SOLE   0 0 16,636
TELEFLEX INCORPORATED COM 879369106   217,087 857 SH   SOLE   0 0 857
TESLA INC COM 88160R101   1,695,986 8,175 SH   SOLE   0 0 8,175
TEXAS PACIFIC LAND CORPORATI COM 88262P102   318,091 187 SH   SOLE   0 0 187
THE CIGNA GROUP COM 125523100   446,155 1,746 SH   SOLE   0 0 1,746
KROGER CO COM 501044101   404,834 8,200 SH   SOLE   0 0 8,200
WESTERN UN CO COM 959802109   156,780 14,061 SH   SOLE   0 0 14,061
TJX COS INC NEW COM 872540109   287,503 3,669 SH   SOLE   0 0 3,669
TRACTOR SUPPLY CO COM 892356106   888,216 3,779 SH   SOLE   0 0 3,779
UNITEDHEALTH GROUP INC COM 91324P102   1,036,441 2,193 SH   SOLE   0 0 2,193
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   213,984 569 SH   SOLE   0 0 569
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,064,913 45,714 SH   SOLE   0 0 45,714
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,187,002 29,381 SH   SOLE   0 0 29,381
VANGUARD INDEX FDS GROWTH ETF 922908736   513,348 2,058 SH   SOLE   0 0 2,058
VANGUARD BD INDEX FDS INTERMED TERM 921937819   647,609 8,439 SH   SOLE   0 0 8,439
VANGUARD INDEX FDS TOTAL STK MKT 922908769   255,907 1,254 SH   SOLE   0 0 1,254
VANGUARD INDEX FDS VALUE ETF 922908744   553,821 4,010 SH   SOLE   0 0 4,010
VIATRIS INC COM 92556V106   329,956 34,299 SH   SOLE   0 0 34,299
VISA INC COM CL A 92826C839   1,155,933 5,127 SH   SOLE   0 0 5,127
WALMART INC COM 931142103   251,145 1,703 SH   SOLE   0 0 1,703
WELLS FARGO CO NEW COM 949746101   617,742 16,526 SH   SOLE   0 0 16,526
WEYERHAEUSER CO MTN BE COM NEW 962166104   626,674 20,799 SH   SOLE   0 0 20,799
WHITE MTNS INS GROUP LTD COM G9618E107   286,518 208 SH   SOLE   0 0 208