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   262,994 1,650 SH   SOLE 0 0 0 1,650
ALPHABET INC CAP STK CL A 02079K305   217,211 2,094 SH   SOLE 0 0 0 2,094
ALPHABET INC CAP STK CL C 02079K107   345,280 3,320 SH   SOLE 0 0 0 3,320
AMAZON COM INC COM 023135106   3,491,465 33,803 SH   SOLE 0 0 0 33,803
AMERICAN CENTY ETF TR US SML CP VALU 025072877   2,487,527 33,588 SH   SOLE 0 0 0 33,588
AMERICAN CENTY ETF TR US EQT ETF 025072885   4,440,986 62,655 SH   SOLE 0 0 0 62,655
APPLE INC COM 037833100   17,321,859 105,045 SH   SOLE 0 0 0 105,045
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   424,559 1,375 SH   SOLE 0 0 0 1,375
BERKSHIRE HATHAWAY INC DEL CL A 084670108   465,600 1 SH   SOLE 0 0 0 1
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   241,190 5,420 SH   SOLE 0 0 0 5,420
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   761,299 15,757 SH   SOLE 0 0 0 15,757
EXXON MOBIL CORP COM 30231G102   500,938 4,568 SH   SOLE 0 0 0 4,568
HOME DEPOT INC COM 437076102   301,997 1,023 SH   SOLE 0 0 0 1,023
INVESCO QQQ TR UNIT SER 1 46090E103   466,048 1,452 SH   SOLE 0 0 0 1,452
ISHARES INC CORE MSCI EMKT 46434G103   16,252,587 333,113 SH   SOLE 0 0 0 333,113
ISHARES TR CORE S&P SCP ETF 464287804   250,762 2,593 SH   SOLE 0 0 0 2,593
ISHARES TR CORE S&P US GWT 464287671   56,059,221 631,511 SH   SOLE 0 0 0 631,511
ISHARES TR RUSSELL 3000 ETF 464287689   435,509 1,850 SH   SOLE 0 0 0 1,850
ISHARES TR IBOXX INV CP ETF 464287242   50,862,002 464,027 SH   SOLE 0 0 0 464,027
ISHARES TR ESG AW MSCI EAFE 46435G516   2,126,122 29,595 SH   SOLE 0 0 0 29,595
ISHARES TR RUS 2000 VAL ETF 464287630   37,012,638 270,126 SH   SOLE 0 0 0 270,126
ISHARES TR MSCI USA QLT FCT 46432F339   188,383,741 1,518,428 SH   SOLE 0 0 0 1,518,428
ISHARES TR NATIONAL MUN ETF 464288414   101,665,962 943,623 SH   SOLE 0 0 0 943,623
ISHARES TR CORE S&P TTL STK 464287150   35,271,510 389,525 SH   SOLE 0 0 0 389,525
ISHARES TR CORE US AGGBD ET 464287226   23,591,728 236,770 SH   SOLE 0 0 0 236,770
ISHARES TR ESG AWR MSCI USA 46435G425   4,343,472 48,021 SH   SOLE 0 0 0 48,021
ISHARES TR TRS FLT RT BD 46434V860   1,704,023 33,683 SH   SOLE 0 0 0 33,683
ISHARES TR S&P 500 GRWT ETF 464287309   218,570 3,421 SH   SOLE 0 0 0 3,421
ISHARES TR CORE MSCI EAFE 46432F842   38,940,280 582,502 SH   SOLE 0 0 0 582,502
ISHARES TR RUSSELL 2000 ETF 464287655   224,252 1,257 SH   SOLE 0 0 0 1,257
ISHARES TR CORE S&P MCP ETF 464287507   337,841 1,351 SH   SOLE 0 0 0 1,351
ISHARES TR CORE S&P500 ETF 464287200   2,057,059 5,004 SH   SOLE 0 0 0 5,004
LILLY ELI & CO COM 532457108   744,970 2,169 SH   SOLE 0 0 0 2,169
MICROSOFT CORP COM 594918104   951,086 3,299 SH   SOLE 0 0 0 3,299
NVIDIA CORPORATION COM 67066G104   535,731 1,929 SH   SOLE 0 0 0 1,929
ORACLE CORP COM 68389X105   242,743 2,612 SH   SOLE 0 0 0 2,612
PREDICTIVE ONCOLOGY INC COM NEW 74039M200   23,525 71,987 SH   SOLE 0 0 0 71,987
R1 RCM INC COM 77634L105   156,881 10,459 SH   SOLE 0 0 0 10,459
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   505,327 12,052 SH   SOLE 0 0 0 12,052
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   374,397 5,745 SH   SOLE 0 0 0 5,745
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,159,732 24,237 SH   SOLE 0 0 0 24,237
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,151,602 33,092 SH   SOLE 0 0 0 33,092
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   677,073 13,998 SH   SOLE 0 0 0 13,998
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   223,799 4,075 SH   SOLE 0 0 0 4,075
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,781,289 211,124 SH   SOLE 0 0 0 211,124
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,415,160 70,764 SH   SOLE 0 0 0 70,764
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,768,212 4,319 SH   SOLE 0 0 0 4,319
SPDR SER TR S&P 600 SMCP VAL 78464A300   613,375 8,052 SH   SOLE 0 0 0 8,052
SPDR SER TR BLOOMBERG INVT 78468R200   1,760,649 57,859 SH   SOLE 0 0 0 57,859
SPDR SER TR PORTFOLIO S&P500 78464A854   1,757,694 36,505 SH   SOLE 0 0 0 36,505
SPDR SER TR PRTFLO S&P500 VL 78464A508   5,778,432 141,906 SH   SOLE 0 0 0 141,906
SPDR SER TR PORTFOLI S&P1500 78464A805   5,205,564 103,224 SH   SOLE 0 0 0 103,224
TARGET CORP COM 87612E106   850,344 5,134 SH   SOLE 0 0 0 5,134
TESLA INC COM 88160R101   584,337 2,817 SH   SOLE 0 0 0 2,817
TWILIO INC CL A 90138F102   323,137 4,850 SH   SOLE 0 0 0 4,850
UNITEDHEALTH GROUP INC COM 91324P102   221,286 468 SH   SOLE 0 0 0 468
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   235,828,480 3,194,209 SH   SOLE 0 0 0 3,194,209
VANGUARD INDEX FDS TOTAL STK MKT 922908769   268,380,261 1,314,945 SH   SOLE 0 0 0 1,314,945
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   1,563,137 11,149 SH   SOLE 0 0 0 11,149
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,062,965 13,463 SH   SOLE 0 0 0 13,463
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   538,377 4,016 SH   SOLE 0 0 0 4,016
VANGUARD INDEX FDS GROWTH ETF 922908736   406,088 1,628 SH   SOLE 0 0 0 1,628
VANGUARD INDEX FDS VALUE ETF 922908744   173,984,129 1,259,750 SH   SOLE 0 0 0 1,259,750
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   469,130 5,649 SH   SOLE 0 0 0 5,649
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,579,473 22,546 SH   SOLE 0 0 0 22,546
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   3,422,577 64,009 SH   SOLE 0 0 0 64,009
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   46,784,810 1,158,040 SH   SOLE 0 0 0 1,158,040
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,967,907 58,585 SH   SOLE 0 0 0 58,585
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   1,734,950 29,637 SH   SOLE 0 0 0 29,637
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   426,521 2,769 SH   SOLE 0 0 0 2,769
VANGUARD STAR FDS VG TL INTL STK F 921909768   343,717 6,226 SH   SOLE 0 0 0 6,226
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   255,701,218 5,660,864 SH   SOLE 0 0 0 5,660,864
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   224,333 2,126 SH   SOLE 0 0 0 2,126
VANGUARD WORLD FD ESG US STK ETF 921910733   16,178,069 225,604 SH   SOLE 0 0 0 225,604
VANGUARD WORLD FD ESG INTL STK ETF 921910725   9,044,405 172,735 SH   SOLE 0 0 0 172,735