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
ABBOTT LABS COM 002824100   656,663 6,023 SH   SOLE   0 0 6,023
AMAZON COM INC COM 023135106   396,037 3,038 SH   SOLE   0 0 3,038
AMGEN INC COM 031162100   1,067,727 4,809 SH   SOLE   0 0 4,809
APPLE INC COM 037833100   4,708,033 24,272 SH   SOLE   0 0 24,272
ARISTA NETWORKS INC COM 040413106   227,533 1,404 SH   SOLE   0 0 1,404
BP PLC SPONSORED ADR 055622104   319,340 9,049 SH   SOLE   0 0 9,049
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   564,014 1,654 SH   SOLE   0 0 1,654
BLOCK H & R INC COM 093671105   1,649,305 51,751 SH   SOLE   0 0 51,751
BRISTOL-MYERS SQUIBB CO COM 110122108   955,505 14,941 SH   SOLE   0 0 14,941
BUCKLE INC COM 118440106   259,985 7,514 SH   SOLE   0 0 7,514
COLGATE PALMOLIVE CO COM 194162103   516,269 6,701 SH   SOLE   0 0 6,701
EMPLOYERS HLDGS INC COM 292218104   266,098 7,113 SH   SOLE   0 0 7,113
GARTNER INC COM 366651107   494,673 1,412 SH   SOLE   0 0 1,412
GENERAL MLS INC COM 370334104   737,471 9,615 SH   SOLE   0 0 9,615
GILEAD SCIENCES INC COM 375558103   396,264 5,142 SH   SOLE   0 0 5,142
HOME DEPOT INC COM 437076102   1,390,546 4,476 SH   SOLE   0 0 4,476
ILLINOIS TOOL WKS INC COM 452308109   325,945 1,303 SH   SOLE   0 0 1,303
INFOSYS LTD SPONSORED ADR 456788108   599,656 37,315 SH   SOLE   0 0 37,315
INTEL CORP COM 458140100   540,934 16,176 SH   SOLE   0 0 16,176
INTERNATIONAL BUSINESS MACHS COM 459200101   505,374 3,777 SH   SOLE   0 0 3,777
ISHARES TR CORE S&P TTL STK 464287150   607,102 6,205 SH   SOLE   0 0 6,205
ISHARES TR CORE S&P500 ETF 464287200   18,016,977 40,423 SH   SOLE   0 0 40,423
ISHARES TR CORE S&P MCP ETF 464287507   22,005,975 84,159 SH   SOLE   0 0 84,159
ISHARES TR CORE S&P MCP ETF 464287507   494,654 1,892 SH   DFND 1 0 0 1,892
ISHARES TR U.S. TECH ETF 464287721   208,107 1,912 SH   SOLE   0 0 1,912
ISHARES TR CORE S&P SCP ETF 464287804   11,624,227 116,651 SH   SOLE   0 0 116,651
ISHARES TR CORE S&P SCP ETF 464287804   247,233 2,481 SH   DFND 1 0 0 2,481
ISHARES TR SHRT NAT MUN ETF 464288158   1,205,369 11,586 SH   SOLE   0 0 11,586
JOHNSON & JOHNSON COM 478160104   1,152,706 6,964 SH   SOLE   0 0 6,964
KELLOGG CO COM 487836108   240,295 3,565 SH   SOLE   0 0 3,565
KIMBERLY-CLARK CORP COM 494368103   745,962 5,403 SH   SOLE   0 0 5,403
LAMB WESTON HLDGS INC COM 513272104   261,972 2,279 SH   SOLE   0 0 2,279
LILLY ELI & CO COM 532457108   1,505,746 3,211 SH   SOLE   0 0 3,211
MARRIOTT INTL INC NEW CL A 571903202   446,000 2,428 SH   SOLE   0 0 2,428
MCDONALDS CORP COM 580135101   1,067,060 3,576 SH   SOLE   0 0 3,576
MICROSOFT CORP COM 594918104   2,196,828 6,451 SH   SOLE   0 0 6,451
NIKE INC CL B 654106103   4,281,196 38,789 SH   SOLE   0 0 38,789
NOVO-NORDISK A S ADR 670100205   2,065,922 12,766 SH   SOLE   0 0 12,766
PALO ALTO NETWORKS INC COM 697435105   227,972 892 SH   SOLE   0 0 892
PAYCHEX INC COM 704326107   831,868 7,436 SH   SOLE   0 0 7,436
PFIZER INC COM 717081103   698,941 19,055 SH   SOLE   0 0 19,055
PHILIP MORRIS INTL INC COM 718172109   760,265 7,788 SH   SOLE   0 0 7,788
PROCTER AND GAMBLE CO COM 742718109   227,885 1,502 SH   SOLE   0 0 1,502
QUALCOMM INC COM 747525103   739,340 6,211 SH   SOLE   0 0 6,211
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,323,545 25,273 SH   SOLE   0 0 25,273
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,288 25 SH   DFND 1 0 0 25
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   204,434 2,878 SH   SOLE   0 0 2,878
SCHWAB STRATEGIC TR US TIPS ETF 808524870   466,837 8,904 SH   SOLE   0 0 8,904
STARBUCKS CORP COM 855244109   424,698 4,287 SH   SOLE   0 0 4,287
TEXAS INSTRS INC COM 882508104   1,081,012 6,005 SH   SOLE   0 0 6,005
US BANCORP DEL COM NEW 902973304   235,755 7,135 SH   SOLE   0 0 7,135
UNILEVER PLC SPON ADR NEW 904767704   398,378 7,642 SH   SOLE   0 0 7,642
UNITED PARCEL SERVICE INC CL B 911312106   763,039 4,257 SH   SOLE   0 0 4,257
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   24,033,814 147,964 SH   SOLE   0 0 147,964
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   933,378 5,746 SH   DFND 1 0 0 5,746
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,408,763 25,121 SH   SOLE   0 0 25,121
VANGUARD WORLD FD ESG US CORP BD 921910691   2,191,880 35,364 SH   SOLE   0 0 35,364
VANGUARD WORLD FD ESG US CORP BD 921910691   165,364 2,668 SH   DFND 1 0 0 2,668
VANGUARD WORLD FD ESG INTL STK ETF 921910725   3,162,151 59,540 SH   SOLE   0 0 59,540
VANGUARD WORLD FD ESG INTL STK ETF 921910725   194,112 3,655 SH   DFND 1 0 0 3,655
VANGUARD WORLD FD ESG US STK ETF 921910733   7,522,088 96,006 SH   SOLE   0 0 96,006
VANGUARD WORLD FD ESG US STK ETF 921910733   607,770 7,757 SH   DFND 1 0 0 7,757
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   831,906 11,104 SH   SOLE   0 0 11,104
VANGUARD BD INDEX FDS INTERMED TERM 921937819   12,820,188 170,413 SH   SOLE   0 0 170,413
VANGUARD BD INDEX FDS INTERMED TERM 921937819   697,607 9,273 SH   DFND 1 0 0 9,273
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   23,035,240 304,820 SH   SOLE   0 0 304,820
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,208,501 15,992 SH   DFND 1 0 0 15,992
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,193,070 30,170 SH   SOLE   0 0 30,170
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   42,251,234 914,925 SH   SOLE   0 0 914,925
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   978,827 21,196 SH   DFND 1 0 0 21,196
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   22,586,740 212,942 SH   SOLE   0 0 212,942
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   897,171 8,458 SH   DFND 1 0 0 8,458
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   9,500,207 150,320 SH   SOLE   0 0 150,320
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   331,055 5,238 SH   DFND 1 0 0 5,238
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   9,398,965 125,169 SH   SOLE   0 0 125,169
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   334,021 4,448 SH   DFND 1 0 0 4,448
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   10,613,706 260,907 SH   SOLE   0 0 260,907
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   243,124 5,977 SH   DFND 1 0 0 5,977
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   824,500 16,418 SH   SOLE   0 0 16,418
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   101,376,417 248,911 SH   SOLE   0 0 248,911
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,013,609 7,399 SH   DFND 1 0 0 7,399
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,157,811 49,758 SH   SOLE   0 0 49,758
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   131,676 1,576 SH   DFND 1 0 0 1,576
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,276,879 11,232 SH   SOLE   0 0 11,232
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,594,473 20,857 SH   SOLE   0 0 20,857
VANGUARD INDEX FDS TOTAL STK MKT 922908769   877 4 SH   DFND 1 0 0 4
FORTINET INC COM 34959E109   487,480 6,449 SH   SOLE   0 0 6,449
ABBVIE INC COM 00287Y109   2,092,265 15,529 SH   SOLE   0 0 15,529
ALPHABET INC CAP STK CL C 02079K107   208,289 1,722 SH   SOLE   0 0 1,722
ALPHABET INC CAP STK CL A 02079K305   735,184 6,142 SH   SOLE   0 0 6,142
ALTRIA GROUP INC COM 02209S103   485,708 10,722 SH   SOLE   0 0 10,722
BOOKING HOLDINGS INC COM 09857L108   243,657 90 SH   SOLE   0 0 90
BROADCOM INC COM 11135F101   3,177,261 3,663 SH   SOLE   0 0 3,663
CISCO SYS INC COM 17275R102   750,470 14,505 SH   SOLE   0 0 14,505
EXXON MOBIL CORP COM 30231G102   212,137 1,978 SH   SOLE   0 0 1,978
GSK PLC SPONSORED ADR 37733W204   248,197 6,964 SH   SOLE   0 0 6,964
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889   470,883 8,650 SH   SOLE   0 0 8,650
HP INC COM 40434L105   961,715 31,316 SH   SOLE   0 0 31,316
ISHARES SILVER TR ISHARES 46428Q109   224,777 10,760 SH   SOLE   0 0 10,760
ISHARES TR CORE HIGH DV ETF 46429B663   699,782 6,943 SH   SOLE   0 0 6,943
ISHARES TR CORE MSCI EAFE 46432F842   630,039 9,334 SH   SOLE   0 0 9,334
ISHARES INC CORE MSCI EMKT 46434G103   308,524 6,259 SH   SOLE   0 0 6,259
ISHARES INC CORE MSCI EMKT 46434G103   1,770 36 SH   DFND 1 0 0 36
ISHARES TR CORE DIV GRWTH 46434V621   512,466 9,945 SH   SOLE   0 0 9,945
ISHARES TR CORE MSCI INTL 46435G326   288,181 4,715 SH   SOLE   0 0 4,715
ISHARES TR ESG SCRND S&P500 46436E569   285,538 8,444 SH   SOLE   0 0 8,444
ISHARES TR ESG SCRND S&P500 46436E569   1 0 SH   DFND 1 0 0 0
MERCK & CO INC COM 58933Y105   1,320,870 11,447 SH   SOLE   0 0 11,447
ORACLE CORP COM 68389X105   213,891 1,796 SH   SOLE   0 0 1,796
SPDR GOLD TR GOLD SHS 78463V107   252,787 1,418 SH   SOLE   0 0 1,418
TESLA INC COM 88160R101   321,396 1,228 SH   SOLE   0 0 1,228
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   18,572,670 379,965 SH   SOLE   0 0 379,965
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,054,152 21,566 SH   DFND 1 0 0 21,566
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   10,941,591 189,530 SH   SOLE   0 0 189,530
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   612,914 10,617 SH   DFND 1 0 0 10,617
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,810,114 30,858 SH   SOLE   0 0 30,858
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   108,537 1,850 SH   DFND 1 0 0 1,850
VERIZON COMMUNICATIONS INC COM 92343V104   381,008 10,245 SH   SOLE   0 0 10,245
AMDOCS LTD SHS G02602103   746,318 7,550 SH   SOLE   0 0 7,550
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   763,845 2,475 SH   SOLE   0 0 2,475
ROYAL CARIBBEAN GROUP COM V7780T103   217,025 2,092 SH   SOLE   0 0 2,092