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
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   37,383,096 890,710 SH   SOLE   0 0 890,710
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   18,045,851 380,473 SH   SOLE   0 0 380,473
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   22,343,780 296,809 SH   SOLE   0 0 296,809
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   86,108,306 245,085 SH   SOLE   0 0 245,085
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   9,185,969 235,659 SH   SOLE   0 0 235,659
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   10,876,947 188,117 SH   SOLE   0 0 188,117
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   19,724,534 182,280 SH   SOLE   0 0 182,280
VANGUARD BD INDEX FDS INTERMED TERM 921937819   12,335,277 165,975 SH   SOLE   0 0 165,975
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   7,985,527 134,053 SH   SOLE   0 0 134,053
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   19,210,643 126,511 SH   SOLE   0 0 126,511
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   7,931,006 113,902 SH   SOLE   0 0 113,902
ISHARES TR CORE S&P SCP ETF 464287804   9,405,676 99,384 SH   SOLE   0 0 99,384
VANGUARD WORLD FD ESG US STK ETF 921910733   5,958,620 90,474 SH   SOLE   0 0 90,474
ISHARES TR CORE S&P MCP ETF 464287507   18,881,262 78,057 SH   SOLE   0 0 78,057
VANGUARD WORLD FD ESG INTL STK ETF 921910725   2,896,169 58,877 SH   SOLE   0 0 58,877
BLOCK H & R INC COM 093671105   1,963,727 53,786 SH   SOLE   0 0 53,786
INFOSYS LTD SPONSORED ADR 456788108   724,366 40,220 SH   SOLE   0 0 40,220
ISHARES TR CORE S&P500 ETF 464287200   15,002,502 39,048 SH   SOLE   0 0 39,048
NIKE INC CL B 654106103   4,462,995 38,142 SH   SOLE   0 0 38,142
HP INC COM 40434L105   916,650 34,114 SH   SOLE   0 0 34,114
VANGUARD WORLD FD ESG US CORP BD 921910691   2,030,629 33,467 SH   SOLE   0 0 33,467
PFIZER INC COM 717081103   1,670,529 32,602 SH   SOLE   0 0 32,602
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,679,930 32,492 SH   SOLE   0 0 32,492
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,130,331 29,654 SH   SOLE   0 0 29,654
INTEL CORP COM 458140100   782,236 29,597 SH   SOLE   0 0 29,597
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,698,203 29,039 SH   SOLE   0 0 29,039
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,150,198 25,475 SH   SOLE   0 0 25,475
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,273,561 24,624 SH   SOLE   0 0 24,624
APPLE INC COM 037833100   2,950,544 22,709 SH   SOLE   0 0 22,709
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,844,023 20,106 SH   SOLE   0 0 20,106
ABBVIE INC COM 00287Y109   3,208,494 19,853 SH   SOLE   0 0 19,853
EMPLOYERS HLDGS INC COM 292218104   823,900 19,103 SH   SOLE   0 0 19,103
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   893,421 18,053 SH   SOLE   0 0 18,053
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   802,463 16,919 SH   DFND 1 0 0 16,919
MERCK & CO INC COM 58933Y105   1,871,837 16,871 SH   SOLE   0 0 16,871
ALTRIA GROUP INC COM 02209S103   731,543 16,004 SH   SOLE   0 0 16,004
VERIZON COMMUNICATIONS INC COM 92343V104   587,791 14,919 SH   SOLE   0 0 14,919
NATIONAL BK HLDGS CORP CL A 633707104   622,748 14,803 SH   SOLE   0 0 14,803
BRISTOL-MYERS SQUIBB CO COM 110122108   1,010,065 14,038 SH   SOLE   0 0 14,038
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   585,346 13,947 SH   DFND 1 0 0 13,947
NOVO-NORDISK A S ADR 670100205   1,869,316 13,812 SH   SOLE   0 0 13,812
PREMIER INC CL A 74051N102   479,471 13,707 SH   SOLE   0 0 13,707
VIATRIS INC COM 92556V106   149,921 13,470 SH   SOLE   0 0 13,470
CISCO SYS INC COM 17275R102   629,870 13,221 SH   SOLE   0 0 13,221
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   903,934 12,008 SH   DFND 1 0 0 12,008
ISHARES TR SHRT NAT MUN ETF 464288158   1,251,538 12,003 SH   SOLE   0 0 12,003
SCHWAB STRATEGIC TR US REIT ETF 808524847   231,422 11,997 SH   SOLE   0 0 11,997
BP PLC SPONSORED ADR 055622104   405,502 11,609 SH   SOLE   0 0 11,609
ISHARES TR CORE DIV GRWTH 46434V621   563,600 11,272 SH   SOLE   0 0 11,272
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,958,434 11,242 SH   SOLE   0 0 11,242
BUCKLE INC COM 118440106   508,162 11,205 SH   SOLE   0 0 11,205
FIRST BANCORP P R COM NEW 318672706   135,837 10,679 SH   SOLE   0 0 10,679
GENERAL MLS INC COM 370334104   893,086 10,651 SH   SOLE   0 0 10,651
PHILIP MORRIS INTL INC COM 718172109   1,076,976 10,641 SH   SOLE   0 0 10,641
FORTINET INC COM 34959E109   508,358 10,398 SH   SOLE   0 0 10,398
ISHARES SILVER TR ISHARES 46428Q109   220,993 10,036 SH   SOLE   0 0 10,036
QUALCOMM INC COM 747525103   1,085,776 9,876 SH   SOLE   0 0 9,876
COLGATE PALMOLIVE CO COM 194162103   772,299 9,802 SH   SOLE   0 0 9,802
TEXAS INSTRS INC COM 882508104   1,580,536 9,566 SH   SOLE   0 0 9,566
UNILEVER PLC SPON ADR NEW 904767704   472,938 9,393 SH   SOLE   0 0 9,393
HORMEL FOODS CORP COM 440452100   419,368 9,207 SH   SOLE   0 0 9,207
AMDOCS LTD SHS G02602103   834,826 9,184 SH   SOLE   0 0 9,184
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   529,922 9,165 SH   DFND 1 0 0 9,165
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   631,760 8,721 SH   SOLE   0 0 8,721
PAYCHEX INC COM 704326107   931,415 8,060 SH   SOLE   0 0 8,060
GSK PLC SPONSORED ADR 37733W204   278,449 7,924 SH   SOLE   0 0 7,924
ISHARES TR CORE MSCI EAFE 46432F842   469,662 7,619 SH   SOLE   0 0 7,619
US BANCORP DEL COM NEW 902973304   310,547 7,121 SH   SOLE   0 0 7,121
EOG RES INC COM 26875P101   914,564 7,061 SH   SOLE   0 0 7,061
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   763,740 7,058 SH   DFND 1 0 0 7,058
VANGUARD BD INDEX FDS INTERMED TERM 921937819   520,173 6,999 SH   DFND 1 0 0 6,999
ABBOTT LABS COM 002824100   728,007 6,631 SH   SOLE   0 0 6,631
MICROSOFT CORP COM 594918104   1,558,671 6,499 SH   SOLE   0 0 6,499
ISHARES TR CORE S&P TTL STK 464287150   546,611 6,446 SH   SOLE   0 0 6,446
GILEAD SCIENCES INC COM 375558103   547,981 6,383 SH   SOLE   0 0 6,383
FMC CORP COM NEW 302491303   779,199 6,244 SH   SOLE   0 0 6,244
ONE GAS INC COM 68235P108   472,266 6,237 SH   SOLE   0 0 6,237
JOHNSON & JOHNSON COM 478160104   1,073,808 6,079 SH   SOLE   0 0 6,079
AMGEN INC COM 031162100   1,581,657 6,022 SH   SOLE   0 0 6,022
ALPHABET INC CAP STK CL A 02079K305   510,852 5,790 SH   SOLE   0 0 5,790
KELLOGG CO COM 487836108   396,267 5,562 SH   SOLE   0 0 5,562
VANGUARD WORLD FD ESG US STK ETF 921910733   358,875 5,449 SH   DFND 1 0 0 5,449
KIMBERLY-CLARK CORP COM 494368103   735,499 5,418 SH   SOLE   0 0 5,418
CF INDS HLDGS INC COM 125269100   459,313 5,391 SH   SOLE   0 0 5,391
INTERNATIONAL BUSINESS MACHS COM 459200101   740,978 5,259 SH   SOLE   0 0 5,259
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   312,716 5,250 SH   DFND 1 0 0 5,250
ISHARES INC CORE MSCI EMKT 46434G103   237,998 5,096 SH   SOLE   0 0 5,096
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   767,956 5,057 SH   DFND 1 0 0 5,057
HOME DEPOT INC COM 437076102   1,590,013 5,034 SH   SOLE   0 0 5,034
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,714,893 4,881 SH   DFND 1 0 0 4,881
UNITED PARCEL SERVICE INC CL B 911312106   837,365 4,817 SH   SOLE   0 0 4,817
ISHARES TR CORE MSCI INTL 46435G326   265,737 4,747 SH   SOLE   0 0 4,747
STARBUCKS CORP COM 855244109   444,853 4,484 SH   SOLE   0 0 4,484
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   311,730 4,477 SH   DFND 1 0 0 4,477
LAMB WESTON HLDGS INC COM 513272104   374,865 4,195 SH   SOLE   0 0 4,195
BROADCOM INC COM 11135F101   2,331,196 4,169 SH   SOLE   0 0 4,169
MCDONALDS CORP COM 580135101   1,014,194 3,848 SH   SOLE   0 0 3,848
MARRIOTT INTL INC NEW CL A 571903202   536,302 3,602 SH   SOLE   0 0 3,602
LILLY ELI & CO COM 532457108   1,280,324 3,500 SH   SOLE   0 0 3,500
MEDIFAST INC COM 58470H101   338,238 2,932 SH   SOLE   0 0 2,932
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   724,631 2,716 SH   SOLE   0 0 2,716
ARISTA NETWORKS INC COM 040413106   328,009 2,703 SH   SOLE   0 0 2,703
LOWES COS INC COM 548661107   516,002 2,590 SH   SOLE   0 0 2,590
AMAZON COM INC COM 023135106   216,720 2,580 SH   SOLE   0 0 2,580
3M CO COM 88579Y101   263,450 2,197 SH   SOLE   0 0 2,197
GARTNER INC COM 366651107   678,700 2,019 SH   SOLE   0 0 2,019
ENPHASE ENERGY INC COM 29355A107   424,201 1,601 SH   SOLE   0 0 1,601
ALBEMARLE CORP COM 012653101   325,073 1,499 SH   SOLE   0 0 1,499
ILLINOIS TOOL WKS INC COM 452308109   327,032 1,484 SH   SOLE   0 0 1,484
SPDR GOLD TR GOLD SHS 78463V107   225,282 1,328 SH   SOLE   0 0 1,328
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   383,345 1,241 SH   SOLE   0 0 1,241
ULTA BEAUTY INC COM 90384S303   567,575 1,210 SH   SOLE   0 0 1,210
ISHARES TR CORE S&P MCP ETF 464287507   286,995 1,186 SH   DFND 1 0 0 1,186