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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 31,982 879,604 SH   SOLE   0 0 879,604
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 22,667 474,905 SH   SOLE   0 0 474,905
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 28,084 375,356 SH   SOLE   0 0 375,356
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 77,321 235,520 SH   SOLE   0 0 235,520
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 13,455 232,829 SH   SOLE   0 0 232,829
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,209 224,954 SH   SOLE   0 0 224,954
VANGUARD BD INDEX FDS INTERMED TERM 921937819 14,936 203,264 SH   SOLE   0 0 203,264
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 15,029 158,400 SH   SOLE   0 0 158,400
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 5,916 113,673 SH   SOLE   0 0 113,673
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,416 112,502 SH   SOLE   0 0 112,502
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 14,809 109,569 SH   SOLE   0 0 109,569
ISHARES TR CORE S&P SCP ETF 464287804 8,837 101,349 SH   SOLE   0 0 101,349
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 5,769 93,064 SH   SOLE   0 0 93,064
VANGUARD WORLD FD ESG US STK ETF 921910733 5,103 81,112 SH   SOLE   0 0 81,112
ISHARES TR CORE S&P MCP ETF 464287507 17,734 80,882 SH   SOLE   0 0 80,882
BLOCK H & R INC COM 093671105 2,579 60,636 SH   SOLE   0 0 60,636
ISHARES TR SHRT NAT MUN ETF 464288158 6,170 60,106 SH   SOLE   0 0 60,106
VANGUARD WORLD FD ESG INTL STK ETF 921910725 2,595 59,732 SH   SOLE   0 0 59,732
INFOSYS LTD SPONSORED ADR 456788108 789 46,514 SH   SOLE   0 0 46,514
PFIZER INC COM 717081103 1,780 40,684 SH   SOLE   0 0 40,684
ISHARES TR CORE S&P500 ETF 464287200 14,514 40,470 SH   SOLE   0 0 40,470
HP INC COM 40434L105 971 38,947 SH   SOLE   0 0 38,947
INTEL CORP COM 458140100 998 38,710 SH   SOLE   0 0 38,710
NIKE INC CL B 654106103 3,103 37,334 SH   SOLE   0 0 37,334
VANGUARD WORLD FD ESG US CORP BD 921910691 1,929 32,484 SH   SOLE   0 0 32,484
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,242 31,426 SH   SOLE   0 0 31,426
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,332 29,088 SH   SOLE   0 0 29,088
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,639 28,117 SH   SOLE   0 0 28,117
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,169 27,600 SH   SOLE   0 0 27,600
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,141 24,930 SH   SOLE   0 0 24,930
ALTRIA GROUP INC COM 02209S103 980 24,274 SH   SOLE   0 0 24,274
DEVON ENERGY CORP NEW COM 25179M103 1,404 23,345 SH   SOLE   0 0 23,345
ABBVIE INC COM 00287Y109 3,088 23,007 SH   SOLE   0 0 23,007
VIATRIS INC COM 92556V106 188 22,082 SH   SOLE   0 0 22,082
VERIZON COMMUNICATIONS INC COM 92343V104 836 22,030 SH   SOLE   0 0 22,030
APPLE INC COM 037833100 3,036 21,965 SH   SOLE   0 0 21,965
MERCK & CO INC COM 58933Y105 1,779 20,656 SH   SOLE   0 0 20,656
EMPLOYERS HLDGS INC COM 292218104 702 20,346 SH   SOLE   0 0 20,346
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,649 20,333 SH   SOLE   0 0 20,333
PREMIER INC CL A 74051N102 642 18,921 SH   SOLE   0 0 18,921
NATIONAL BK HLDGS CORP CL A 633707104 669 18,091 SH   SOLE   0 0 18,091
CISCO SYS INC COM 17275R102 713 17,819 SH   SOLE   0 0 17,819
ISHARES TR CORE MSCI EAFE 46432F842 920 17,458 SH   SOLE   0 0 17,458
GOLD FIELDS LTD SPONSORED ADR 38059T106 139 17,181 SH   SOLE   0 0 17,181
BRISTOL-MYERS SQUIBB CO COM 110122108 1,178 16,572 SH   SOLE   0 0 16,572
FIRST BANCORP P R COM NEW 318672706 217 15,885 SH   SOLE   0 0 15,885
BP PLC SPONSORED ADR 055622104 448 15,693 SH   SOLE   0 0 15,693
NOVO-NORDISK A S ADR 670100205 1,550 15,562 SH   SOLE   0 0 15,562
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 794 14,908 SH   SOLE   0 0 14,908
BUCKLE INC COM 118440106 466 14,717 SH   SOLE   0 0 14,717
PHILIP MORRIS INTL INC COM 718172109 1,206 14,531 SH   SOLE   0 0 14,531
FORTINET INC COM 34959E109 697 14,186 SH   SOLE   0 0 14,186
COLGATE PALMOLIVE CO COM 194162103 914 13,010 SH   SOLE   0 0 13,010
GENERAL MLS INC COM 370334104 993 12,959 SH   SOLE   0 0 12,959
HORMEL FOODS CORP COM 440452100 567 12,483 SH   SOLE   0 0 12,483
QUALCOMM INC COM 747525103 1,338 11,842 SH   SOLE   0 0 11,842
UNILEVER PLC SPON ADR NEW 904767704 510 11,642 SH   SOLE   0 0 11,642
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,894 11,578 SH   SOLE   0 0 11,578
TEXAS INSTRS INC COM 882508104 1,784 11,525 SH   SOLE   0 0 11,525
COTERRA ENERGY INC COM 127097103 273 10,440 SH   SOLE   0 0 10,440
EMERSON ELEC CO COM 291011104 755 10,309 SH   SOLE   0 0 10,309
AMDOCS LTD SHS G02602103 802 10,089 SH   SOLE   0 0 10,089
ISHARES SILVER TR ISHARES 46428Q109 176 10,036 SH   SOLE   0 0 10,036
GSK PLC SPONSORED ADR 37733W204 295 10,027 SH   SOLE   0 0 10,027
OFG BANCORP COM 67103X102 232 9,246 SH   SOLE   0 0 9,246
PAYCHEX INC COM 704326107 1,009 8,989 SH   SOLE   0 0 8,989
OCCIDENTAL PETE CORP COM 674599105 541 8,801 SH   SOLE   0 0 8,801
KELLOGG CO COM 487836108 604 8,673 SH   SOLE   0 0 8,673
NETAPP INC COM 64110D104 532 8,595 SH   SOLE   0 0 8,595
GILEAD SCIENCES INC COM 375558103 509 8,250 SH   SOLE   0 0 8,250
ONE GAS INC COM 68235P108 574 8,156 SH   SOLE   0 0 8,156
MICROSOFT CORP COM 594918104 1,899 8,153 SH   SOLE   0 0 8,153
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 599 7,958 SH   SOLE   0 0 7,958
ABBOTT LABS COM 002824100 766 7,920 SH   SOLE   0 0 7,920
EOG RES INC COM 26875P101 852 7,628 SH   SOLE   0 0 7,628
AMGEN INC COM 031162100 1,688 7,488 SH   SOLE   0 0 7,488
CF INDS HLDGS INC COM 125269100 697 7,243 SH   SOLE   0 0 7,243
NRG ENERGY INC COM NEW 629377508 276 7,218 SH   SOLE   0 0 7,218
US BANCORP DEL COM NEW 902973304 287 7,121 SH   SOLE   0 0 7,121
JOHNSON & JOHNSON COM 478160104 1,134 6,942 SH   SOLE   0 0 6,942
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 498 6,921 SH   SOLE   0 0 6,921
ISHARES TR CORE S&P TTL STK 464287150 547 6,874 SH   SOLE   0 0 6,874
FMC CORP COM NEW 302491303 722 6,830 SH   SOLE   0 0 6,830
INTERNATIONAL BUSINESS MACHS COM 459200101 807 6,794 SH   SOLE   0 0 6,794
KIMBERLY-CLARK CORP COM 494368103 743 6,606 SH   SOLE   0 0 6,606
HOME DEPOT INC COM 437076102 1,682 6,096 SH   SOLE   0 0 6,096
ALPHABET INC CAP STK CL A 02079K305 552 5,770 SH   SOLE   0 0 5,770
ISHARES TR INTL DIV GRWTH 46435G524 285 5,628 SH   SOLE   0 0 5,628
UNITED PARCEL SERVICE INC CL B 911312106 899 5,564 SH   SOLE   0 0 5,564
MARRIOTT INTL INC NEW CL A 571903202 692 4,936 SH   SOLE   0 0 4,936
CAL MAINE FOODS INC COM NEW 128030202 273 4,917 SH   SOLE   0 0 4,917
LILLY ELI & CO COM 532457108 1,513 4,678 SH   SOLE   0 0 4,678
MCDONALDS CORP COM 580135101 1,059 4,590 SH   SOLE   0 0 4,590
BROADCOM INC COM 11135F101 1,940 4,369 SH   SOLE   0 0 4,369
LOWES COS INC COM 548661107 657 3,501 SH   SOLE   0 0 3,501
3M CO COM 88579Y101 369 3,338 SH   SOLE   0 0 3,338
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 814 3,165 SH   SOLE   0 0 3,165
NUTRIEN LTD COM 67077M108 238 2,852 SH   SOLE   0 0 2,852
GARTNER INC COM 366651107 788 2,848 SH   SOLE   0 0 2,848
AMAZON COM INC COM 023135106 293 2,593 SH   SOLE   0 0 2,593
AMERICAN ELEC PWR CO INC COM 025537101 202 2,335 SH   SOLE   0 0 2,335
ISHARES TR CORE HIGH DV ETF 46429B663 210 2,302 SH   SOLE   0 0 2,302
ENPHASE ENERGY INC COM 29355A107 604 2,178 SH   SOLE   0 0 2,178
ULTA BEAUTY INC COM 90384S303 681 1,698 SH   SOLE   0 0 1,698
TESLA INC COM 88160R101 408 1,537 SH   SOLE   0 0 1,537
SPDR GOLD TR GOLD SHS 78463V107 205 1,328 SH   SOLE   0 0 1,328
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 331 1,241 SH   SOLE   0 0 1,241
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 422 11,628 SH   DFND 1 0 0 11,628
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 660 11,428 SH   DFND 1 0 0 11,428
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 827 11,060 SH   DFND 1 0 0 11,060
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 514 10,786 SH   DFND 1 0 0 10,786
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 692 7,298 SH   DFND 1 0 0 7,298
VANGUARD BD INDEX FDS INTERMED TERM 921937819 464 6,327 SH   DFND 1 0 0 6,327
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 699 5,177 SH   DFND 1 0 0 5,177
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 248 4,773 SH   DFND 1 0 0 4,773
VANGUARD WORLD FD ESG US STK ETF 921910733 260 4,148 SH   DFND 1 0 0 4,148
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 243 3,934 SH   DFND 1 0 0 3,934
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,237 3,769 SH   DFND 1 0 0 3,769
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 119 3,282 SH   DFND 1 0 0 3,282
VANGUARD WORLD FD ESG INTL STK ETF 921910725 82 1,910 SH   DFND 1 0 0 1,910
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 99 1,243 SH   DFND 1 0 0 1,243
VANGUARD WORLD FD ESG US CORP BD 921910691 71 1,204 SH   DFND 1 0 0 1,204
ISHARES TR CORE S&P SCP ETF 464287804 102 1,175 SH   DFND 1 0 0 1,175
VANGUARD STAR FDS VG TL INTL STK F 921909768 53 1,158 SH   DFND 1 0 0 1,158
VANGUARD INDEX FDS TOTAL STK MKT 922908769 195 1,087 SH   DFND 1 0 0 1,087
ISHARES TR CORE S&P MCP ETF 464287507 207 948 SH   DFND 1 0 0 948
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 48 839 SH   DFND 1 0 0 839
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 39 557 SH   DFND 1 0 0 557
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 0 3 SH   DFND 1 0 0 3