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   563,215 5,815 SH   SOLE   0 0 5,815
ABBVIE INC COM 00287Y109   2,323,296 15,586 SH   SOLE   0 0 15,586
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   733,180 2,387 SH   SOLE   0 0 2,387
ALPHABET INC CAP STK CL A 02079K305   796,138 6,084 SH   SOLE   0 0 6,084
ALPHABET INC CAP STK CL C 02079K107   227,023 1,722 SH   SOLE   0 0 1,722
ALTRIA GROUP INC COM 02209S103   403,092 9,586 SH   SOLE   0 0 9,586
AMAZON COM INC COM 023135106   373,481 2,938 SH   SOLE   0 0 2,938
AMDOCS LTD SHS G02602103   613,229 7,258 SH   SOLE   0 0 7,258
AMGEN INC COM 031162100   1,843,196 6,858 SH   SOLE   0 0 6,858
APPLE INC COM 037833100   3,821,743 22,322 SH   SOLE   0 0 22,322
ARISTA NETWORKS INC COM 040413106   229,177 1,246 SH   SOLE   0 0 1,246
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   579,397 1,654 SH   SOLE   0 0 1,654
BLOCK H & R INC COM 093671105   2,199,204 51,073 SH   SOLE   0 0 51,073
BOOKING HOLDINGS INC COM 09857L108   235,096 76 SH   SOLE   0 0 76
BP PLC SPONSORED ADR 055622104   324,242 8,374 SH   SOLE   0 0 8,374
BRISTOL-MYERS SQUIBB CO COM 110122108   832,842 14,349 SH   SOLE   0 0 14,349
BROADCOM INC COM 11135F101   2,939,809 3,539 SH   SOLE   0 0 3,539
BUCKLE INC COM 118440106   223,713 6,700 SH   SOLE   0 0 6,700
CISCO SYS INC COM 17275R102   705,354 13,120 SH   SOLE   0 0 13,120
COLGATE PALMOLIVE CO COM 194162103   423,979 5,962 SH   SOLE   0 0 5,962
ELI LILLY & CO COM 532457108   1,690,715 3,148 SH   SOLE   0 0 3,148
EMPLOYERS HLDGS INC COM 292218104   272,539 6,822 SH   SOLE   0 0 6,822
FORTINET INC COM 34959E109   363,582 6,196 SH   SOLE   0 0 6,196
GARTNER INC COM 366651107   445,353 1,296 SH   SOLE   0 0 1,296
GENERAL MLS INC COM 370334104   594,468 9,290 SH   SOLE   0 0 9,290
GILEAD SCIENCES INC COM 375558103   352,218 4,700 SH   SOLE   0 0 4,700
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889   439,463 8,403 SH   SOLE   0 0 8,403
GSK PLC SPONSORED ADR 37733W204   231,602 6,389 SH   SOLE   0 0 6,389
HOME DEPOT INC COM 437076102   1,269,648 4,202 SH   SOLE   0 0 4,202
HONEYWELL INTL INC COM 438516106   249,769 1,352 SH   SOLE   0 0 1,352
HP INC COM 40434L105   760,105 29,576 SH   SOLE   0 0 29,576
ILLINOIS TOOL WKS INC COM 452308109   257,026 1,116 SH   SOLE   0 0 1,116
INFOSYS LTD SPONSORED ADR 456788108   611,088 35,715 SH   SOLE   0 0 35,715
INTEL CORP COM 458140100   573,004 16,118 SH   SOLE   0 0 16,118
INTERNATIONAL BUSINESS MACHS COM 459200101   474,258 3,380 SH   SOLE   0 0 3,380
ISHARES INC CORE MSCI EMKT 46434G103   3,545 74 SH   DFND 1 0 0 74
ISHARES INC CORE MSCI EMKT 46434G103   312,038 6,557 SH   SOLE   0 0 6,557
ISHARES SILVER TR ISHARES 46428Q109   218,859 10,760 SH   SOLE   0 0 10,760
ISHARES TR CORE DIV GRWTH 46434V621   512,933 10,356 SH   SOLE   0 0 10,356
ISHARES TR CORE HIGH DV ETF 46429B663   802,790 8,118 SH   SOLE   0 0 8,118
ISHARES TR CORE MSCI EAFE 46432F842   574,768 8,932 SH   SOLE   0 0 8,932
ISHARES TR CORE MSCI INTL 46435G326   275,723 4,731 SH   SOLE   0 0 4,731
ISHARES TR CORE S&P MCP ETF 464287507   563,272 2,259 SH   DFND 1 0 0 2,259
ISHARES TR CORE S&P MCP ETF 464287507   21,335,040 85,563 SH   SOLE   0 0 85,563
ISHARES TR CORE S&P SCP ETF 464287804   280,534 2,974 SH   DFND 1 0 0 2,974
ISHARES TR CORE S&P SCP ETF 464287804   11,150,577 118,208 SH   SOLE   0 0 118,208
ISHARES TR CORE S&P TTL STK 464287150   563,507 5,983 SH   SOLE   0 0 5,983
ISHARES TR CORE S&P500 ETF 464287200   17,001,722 39,591 SH   SOLE   0 0 39,591
ISHARES TR ESG SCRND S&P500 46436E569   35 1 SH   DFND 1 0 0 1
ISHARES TR ESG SCRND S&P500 46436E569   273,823 8,444 SH   SOLE   0 0 8,444
ISHARES TR SHRT NAT MUN ETF 464288158   1,167,147 11,347 SH   SOLE   0 0 11,347
JOHNSON & JOHNSON COM 478160104   1,041,679 6,688 SH   SOLE   0 0 6,688
KIMBERLY-CLARK CORP COM 494368103   600,867 4,972 SH   SOLE   0 0 4,972
MARRIOTT INTL INC NEW CL A 571903202   452,678 2,303 SH   SOLE   0 0 2,303
MCDONALDS CORP COM 580135101   901,757 3,423 SH   SOLE   0 0 3,423
MERCK & CO INC COM 58933Y105   623,569 6,057 SH   SOLE   0 0 6,057
MICROSOFT CORP COM 594918104   2,510,730 7,952 SH   SOLE   0 0 7,952
NIKE INC CL B 654106103   3,707,712 38,775 SH   SOLE   0 0 38,775
NOVO-NORDISK A S ADR 670100205   2,291,507 25,198 SH   SOLE   0 0 25,198
PAYCHEX INC COM 704326107   828,404 7,183 SH   SOLE   0 0 7,183
PFIZER INC COM 717081103   575,448 17,348 SH   SOLE   0 0 17,348
PHILIP MORRIS INTL INC COM 718172109   681,760 7,364 SH   SOLE   0 0 7,364
PROCTER AND GAMBLE CO COM 742718109   348,287 2,388 SH   SOLE   0 0 2,388
QUALCOMM INC COM 747525103   662,640 5,967 SH   SOLE   0 0 5,967
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,975 39 SH   DFND 1 0 0 39
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,278,721 25,271 SH   SOLE   0 0 25,271
SCHWAB STRATEGIC TR US TIPS ETF 808524870   449,563 8,904 SH   SOLE   0 0 8,904
SPDR GOLD TR GOLD SHS 78463V107   243,117 1,418 SH   SOLE   0 0 1,418
SPDR SER TR SPDR S&P 500 ETF 78468R796   302,151 8,700 SH   SOLE   0 0 8,700
STARBUCKS CORP COM 855244109   439,829 4,819 SH   SOLE   0 0 4,819
TESLA INC COM 88160R101   283,444 1,133 SH   SOLE   0 0 1,133
TEXAS INSTRS INC COM 882508104   914,197 5,749 SH   SOLE   0 0 5,749
THERMO FISHER SCIENTIFIC INC COM 883556102   356,246 704 SH   SOLE   0 0 704
UNILEVER PLC SPON ADR NEW 904767704   356,421 7,215 SH   SOLE   0 0 7,215
UNITED PARCEL SERVICE INC CL B 911312106   623,325 3,999 SH   SOLE   0 0 3,999
US BANCORP DEL COM NEW 902973304   235,900 7,135 SH   SOLE   0 0 7,135
VANGUARD BD INDEX FDS INTERMED TERM 921937819   772,582 10,684 SH   DFND 1 0 0 10,684
VANGUARD BD INDEX FDS INTERMED TERM 921937819   12,471,516 172,473 SH   SOLE   0 0 172,473
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   752,634 11,223 SH   SOLE   0 0 11,223
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,347,591 17,927 SH   DFND 1 0 0 17,927
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   23,029,486 306,365 SH   SOLE   0 0 306,365
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,911,822 27,398 SH   SOLE   0 0 27,398
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,167,786 24,415 SH   DFND 1 0 0 24,415
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   18,359,226 383,843 SH   SOLE   0 0 383,843
VANGUARD INDEX FDS LARGE CAP ETF 922908637   25,831 132 SH   DFND 1 0 0 132
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,049,744 10,474 SH   SOLE   0 0 10,474
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   130,626 1,726 SH   DFND 1 0 0 1,726
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,717,010 49,128 SH   SOLE   0 0 49,128
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,409,709 8,683 SH   DFND 1 0 0 8,683
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   100,214,794 255,194 SH   SOLE   0 0 255,194
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,888 10 SH   DFND 1 0 0 10
VANGUARD INDEX FDS SMALL CP ETF 922908751   256,868 1,359 SH   SOLE   0 0 1,359
VANGUARD INDEX FDS TOTAL STK MKT 922908769   809 4 SH   DFND 1 0 0 4
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,577,158 21,549 SH   SOLE   0 0 21,549
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   282,411 7,203 SH   DFND 1 0 0 7,203
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   10,442,000 266,310 SH   SOLE   0 0 266,310
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   757,824 15,755 SH   SOLE   0 0 15,755
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   116,990 2,047 SH   DFND 1 0 0 2,047
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,892,665 33,117 SH   SOLE   0 0 33,117
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   681,675 11,835 SH   DFND 1 0 0 11,835
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   11,083,265 192,418 SH   SOLE   0 0 192,418
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   935,189 6,019 SH   DFND 1 0 0 6,019
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   23,244,869 149,600 SH   SOLE   0 0 149,600
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,346,535 25,159 SH   SOLE   0 0 25,159
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,131,664 25,884 SH   DFND 1 0 0 25,884
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   40,858,895 934,558 SH   SOLE   0 0 934,558
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   922,456 8,928 SH   DFND 1 0 0 8,928
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   22,268,242 215,527 SH   SOLE   0 0 215,527
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   335,633 4,705 SH   DFND 1 0 0 4,705
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   8,915,648 124,992 SH   SOLE   0 0 124,992
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   341,538 5,518 SH   DFND 1 0 0 5,518
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   9,306,550 150,372 SH   SOLE   0 0 150,372
VANGUARD WORLD FD ESG INTL STK ETF 921910725   207,819 4,120 SH   DFND 1 0 0 4,120
VANGUARD WORLD FD ESG INTL STK ETF 921910725   3,274,398 64,917 SH   SOLE   0 0 64,917
VANGUARD WORLD FD ESG US CORP BD 921910691   174,535 2,939 SH   DFND 1 0 0 2,939
VANGUARD WORLD FD ESG US CORP BD 921910691   2,399,032 40,395 SH   SOLE   0 0 40,395
VANGUARD WORLD FD ESG US STK ETF 921910733   632,773 8,412 SH   DFND 1 0 0 8,412
VANGUARD WORLD FD ESG US STK ETF 921910733   8,649,971 114,996 SH   SOLE   0 0 114,996
VERIZON COMMUNICATIONS INC COM 92343V104   269,068 8,302 SH   SOLE   0 0 8,302