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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
BRISTOL MYERS COM 110122108 303 5,113 SH   SOLE   0 0 5,113
CATERPILLAR INC COM 149123101 442 2,302 SH   SOLE   0 0 2,302
CHEVRON CORP COM 166764100 321 3,162 SH   SOLE   0 0 3,162
CUMMINS INC COM 231021106 268 1,195 SH   SOLE   0 0 1,195
DANAHER CORP COM 235851102 522 1,716 SH   SOLE   0 0 1,716
DEERE & CO COM 244199105 229 684 SH   SOLE   0 0 684
WALT DISNEY COM DISNEY 254687106 581 3,431 SH   SOLE   0 0 3,431
DOW INC COM 260557103 256 4,444 SH   SOLE   0 0 4,444
EMERSON ELECTRIC COM 291011104 244 2,594 SH   SOLE   0 0 2,594
FORD MOTOR COM 345370860 487 34,381 SH   SOLE   0 0 34,381
GENERAL MILLS COM 370334104 341 5,703 SH   SOLE   0 0 5,703
HERSHEY COMPANY COM 427866108 272 1,607 SH   SOLE   0 0 1,607
HOME DEPOT COM 437076102 1,168 3,559 SH   SOLE   0 0 3,559
HONEYWELL INTL COM 438516106 497 2,342 SH   SOLE   0 0 2,342
INTEL CORP COM 458140100 592 11,107 SH   SOLE   0 0 11,107
INTL BUSINESS COM 459200101 367 2,645 SH   SOLE   0 0 2,645
ISHARES GOLD ISHARES NEW 464285204 31,539 943,995 SH   SOLE   0 0 943,995
ISHARES CORE CORE S&P TTL STK 464287150 21,451 218,047 SH   SOLE   0 0 218,047
ISHARES SELECT SELECT DIVID ETF 464287168 2,171 18,928 SH   SOLE   0 0 18,928
ISHARES TIPS TIPS BD ETF 464287176 11,183 87,580 SH   SOLE   0 0 87,580
ISHARES CORE CORE S&P500 ETF 464287200 2,553 5,927 SH   SOLE   0 0 5,927
ISHARES CORE CORE US AGGBD ET 464287226 3,370 29,352 SH   SOLE   0 0 29,352
ISHARES S&P S&P 500 GRWT ETF 464287309 311 4,202 SH   SOLE   0 0 4,202
ISHARES S&P S&P 500 VAL ETF 464287408 353 2,426 SH   SOLE   0 0 2,426
ISHARES 1-3YR 1 3 YR TREAS BD 464287457 2,760 32,039 SH   SOLE   0 0 32,039
ISHARES MSCI MSCI EAFE ETF 464287465 758 9,712 SH   SOLE   0 0 9,712
ISHARES RUSS RUS MDCP VAL ETF 464287473 482 4,259 SH   SOLE   0 0 4,259
ISHARES RUSSELL RUS MID CAP ETF 464287499 383 4,894 SH   SOLE   0 0 4,894
ISHARES CORE CORE S&P MCP ETF 464287507 1,016 3,861 SH   SOLE   0 0 3,861
ISHARES RUSSELL RUS 1000 ETF 464287622 1,521 6,295 SH   SOLE   0 0 6,295
ISHARES RUSSELL RUS 2000 VAL ETF 464287630 22,732 141,870 SH   SOLE   0 0 141,870
ISHARES RUSSELL RUSSELL 3000 ETF 464287689 2,665 10,457 SH   SOLE   0 0 10,457
ISHARES S&P S&P MC 400VL ETF 464287705 287 2,790 SH   SOLE   0 0 2,790
ISHARES CORE CORE S&P SCP ETF 464287804 1,577 14,438 SH   SOLE   0 0 14,438
ISHARES S&P SP SMCP600VL ETF 464287879 1,353 13,438 SH   SOLE   0 0 13,438
ISHARES NATIONAL NATIONAL MUN 464288414 2,954 25,427 SH   SOLE   0 0 25,427
ISHARES MSCI EAFE VALUE ETF 464288877 4,879 95,964 SH   SOLE   0 0 95,964
JOHNSON & JOHNSON COM 478160104 1,529 9,469 SH   SOLE   0 0 9,469
KELLOGG CO COM 487836108 1,058 16,548 SH   SOLE   0 0 16,548
KIMBERLY CLARK COM 494368103 504 3,803 SH   SOLE   0 0 3,803
ELI LILLY COM 532457108 203 878 SH   SOLE   0 0 878
LOWES COMPANIES COM 548661107 337 1,659 SH   SOLE   0 0 1,659
MCDONALDS CORP COM 580135101 511 2,120 SH   SOLE   0 0 2,120
MICROSOFT CORP COM 594918104 4,149 14,719 SH   SOLE   0 0 14,719
MONDELEZ INTERNATIONAL CL A 609207105 672 11,549 SH   SOLE   0 0 11,549
NEW ORIENTAL ED & TECHNOLOGY SPON ADR 647581107 42 20,000 SH   SOLE   0 0 20,000
NORFOLK SOUTHERN COM 655844108 215 898 SH   SOLE   0 0 898
PEPSICO INC COM 713448108 825 5,486 SH   SOLE   0 0 5,486
PFIZER INC COM 717081103 1,831 42,568 SH   SOLE   0 0 42,568
PHILIP MORRIS COM 718172109 1,362 14,371 SH   SOLE   0 0 14,371
PROCTER & GAMBLE COM 742718109 2,649 18,949 SH   SOLE   0 0 18,949
SCHWAB US US BRD MKT ETF 808524102 3,823 36,809 SH   SOLE   0 0 36,809
SCHWAB US US LRG CAP ETF 808524201 1,008 9,686 SH   SOLE   0 0 9,686
SCHWAB EMERGING EMRG MKTEQ ETF 808524706 206 6,759 SH   SOLE   0 0 6,759
SCHWAB INTL INTL EQTY ETF 808524805 696 17,997 SH   SOLE   0 0 17,997
SCHWAB AGGREGATE US AGGREGATE B 808524839 968 17,839 SH   SOLE   0 0 17,839
SCHWAB INTERMEDIATE INTRM TRM TRES 808524854 251 4,432 SH   SOLE   0 0 4,432
SCHWAB US US TIPS ETF 808524870 1,532 24,475 SH   SOLE   0 0 24,475
SHYFT GROUP COM 825698103 813 21,379 SH   SOLE   0 0 21,379
STARBUCKS CORP COM 855244109 694 6,298 SH   SOLE   0 0 6,298
STATE STREET COM 857477103 258 3,041 SH   SOLE   0 0 3,041
STEELCASE INC CL A 858155203 349 27,531 SH   SOLE   0 0 27,531
STRYKER CORP COM 863667101 16,939 64,232 SH   SOLE   0 0 64,232
TEVA PHARMACEUTICAL SPONSORED ADS 881624209 169 17,300 SH   SOLE   0 0 17,300
TEXAS INSTRUMENTS COM 882508104 203 1,057 SH   SOLE   0 0 1,057
U S BANCORP DE COM NEW 902973304 356 5,997 SH   SOLE   0 0 5,997
VANGUARD DIVIDEND DIV APP ETF 921908844 1,927 12,548 SH   SOLE   0 0 12,548
VANGUARD TOTAL VG TL INTL STK F 921909768 5,354 84,627 SH   SOLE   0 0 84,627
VANGUARD S&P 500 GRTH IDX F 921932505 250 938 SH   SOLE   0 0 938
VANGUARD SHORT SHORT TRM BOND 921937827 947 11,547 SH   SOLE   0 0 11,547
VANGUARD TOTAL TOTAL BND MRKT 921937835 4,144 48,486 SH   SOLE   0 0 48,486
VANGUARD FTSE FTSE DEV MKT ETF 921943858 1,462 28,965 SH   SOLE   0 0 28,965
VANGUARD HIGH HIGH DIV YLD 921946406 543 5,256 SH   SOLE   0 0 5,256
VANGUARD SHORT STRM INFPROIDX 922020805 319 6,071 SH   SOLE   0 0 6,071
VANGUARD FTSE FTSE SMCAP ETF 922042718 882 6,604 SH   SOLE   0 0 6,604
VANGUARD TOTAL TT WRLD ST ETF 922042742 11,929 117,146 SH   SOLE   0 0 117,146
VANGUARD FSTE FTSE EMR MKT ETF 922042858 6,864 137,245 SH   SOLE   0 0 137,245
VEEVA SYS INC CL A COM 922475108 212 735 SH   SOLE   0 0 735
VANGUARD S&P S&P 500 ETF SHS 922908363 16,002 40,573 SH   SOLE   0 0 40,573
VANGUARD MID MCAP VL IDXVIP 922908512 364 2,606 SH   SOLE   0 0 2,606
VANGUARD REAL REAL ESTATE ETF 922908553 2,160 21,225 SH   SOLE   0 0 21,225
VANGUARD SMALL SM CP VAL ETF 922908611 41,100 242,825 SH   SOLE   0 0 242,825
VANGUARD MID MID CAP ETF 922908629 1,105 4,669 SH   SOLE   0 0 4,669
VANGUARD LARGE LARGE CAP ETF 922908637 537 2,675 SH   SOLE   0 0 2,675
VANGUARD EXTENDED EXTEND MKT ETF 922908652 488 2,676 SH   SOLE   0 0 2,676
VANGUARD GROWTH GROWTH ETF 922908736 673 2,320 SH   SOLE   0 0 2,320
VANGUARD VALUE VALUE ETF 922908744 3,512 25,945 SH   SOLE   0 0 25,945
VANGUARD TOTAL TOTAL STK MKT 922908769 76,380 343,966 SH   SOLE   0 0 343,966
WALMART INC COM 931142103 231 1,660 SH   SOLE   0 0 1,660
AT&T INC COM 00206R102 407 15,086 SH   SOLE   0 0 15,086
ARK INNOVATION INNOVATION ETF 00214Q104 986 8,920 SH   SOLE   0 0 8,920
ABBVIE INC COM 00287Y109 321 2,979 SH   SOLE   0 0 2,979
ADOBE INC COM 00724F101 253 439 SH   SOLE   0 0 439
ALIGN TECHNOLOGY COM 016255101 214 321 SH   SOLE   0 0 321
ALPHABET INC CAP STK CL C 02079K107 917 344 SH   SOLE   0 0 344
ALPHABET INC CAP STK CL A 02079K305 2,981 1,115 SH   SOLE   0 0 1,115
ALTRIA GROUP COM 02209S103 862 18,931 SH   SOLE   0 0 18,931
AMAZON COM COM 023135106 6,839 2,082 SH   SOLE   0 0 2,082
AMGEN INC COM 031162100 319 1,498 SH   SOLE   0 0 1,498
ANNALY CAPITAL COM 035710409 153 18,216 SH   SOLE   0 0 18,216
APPLE INC COM 037833100 11,113 78,536 SH   SOLE   0 0 78,536
APPLIED MATERIALS COM 038222105 291 2,264 SH   SOLE   0 0 2,264
AVERY DENNISON CORP COM 053611109 207 1,000 SH   SOLE   0 0 1,000
BANK AMERICA COM 060505104 278 6,548 SH   SOLE   0 0 6,548
BERKSHIRE HATHAWAY CL A 084670108 823 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY CL B NEW 084670702 6,684 24,489 SH   SOLE   0 0 24,489
BIOGEN INC COM 09062X103 404 1,426 SH   SOLE   0 0 1,426
BIOLASE INC COM NEW 090911207 8 12,500 SH   SOLE   0 0 12,500
BLACKROCK INC COM 09247X101 615 733 SH   SOLE   0 0 733
BNY MELLON US LRG CP CORE 09661T107 5,342 65,482 SH   SOLE   0 0 65,482
BNY MELLON CORE BOND ETF 09661T602 1,089 22,058 SH   SOLE   0 0 22,058
BROADCOM INC COM 11135F101 297 611 SH   SOLE   0 0 611
CISCO SYSTEMS COM 17275R102 352 6,464 SH   SOLE   0 0 6,464
COINBASE GLOBAL COM CL A 19260Q107 297 1,307 SH   SOLE   0 0 1,307
COMCAST CORP CL A 20030N101 460 8,236 SH   SOLE   0 0 8,236
DIMENSIONAL US US EQUITY ETF 25434V401 221 4,685 SH   SOLE   0 0 4,685
DIMENSIONAL US US TARGETED VLU 25434V609 1,073 24,165 SH   SOLE   0 0 24,165
DIMENSIONAL US US CORE EQUITY 2 25434V708 6,651 250,330 SH   SOLE   0 0 250,330
DIMENSIONAL INTL INTERNATNAL VAL 25434V807 607 18,537 SH   SOLE   0 0 18,537
DIMENSIONAL WORLD WORLD EX US CORE 25434V880 1,214 46,924 SH   SOLE   0 0 46,924
EXXON MOBIL COM 30231G102 475 8,068 SH   SOLE   0 0 8,068
FACEBOOK INC CL A 30303M102 606 1,784 SH   SOLE   0 0 1,784
FORTINET INC COM 34959E109 428 1,465 SH   SOLE   0 0 1,465
GSX TECHEDU SPONSORED ADS 36257Y109 40 13,129 SH   SOLE   0 0 13,129
INVESCO QQQ UNIT SER 1 46090E103 535 1,496 SH   SOLE   0 0 1,496
INVESCO S&P S&P500 PUR GWT 46137V266 220 1,142 SH   SOLE   0 0 1,142
INVESCO S&P S&P500 EQL TEC 46137V282 308 1,068 SH   SOLE   0 0 1,068
INVESCO S&P S&P500 EQL HLT 46137V332 206 690 SH   SOLE   0 0 690
INVESCO S&P S&P500 EQL WGT 46137V357 260 1,734 SH   SOLE   0 0 1,734
ISHARES CORE CORE MSCI TOTAL 46432F834 1,243 17,509 SH   SOLE   0 0 17,509
BLACKROCK ULTRA BLACKROCK ULTRA 46434V878 2,012 39,834 SH   SOLE   0 0 39,834
JPMORGAN CHASE COM 46625H100 481 2,936 SH   SOLE   0 0 2,936
KLA CORP COM NEW 482480100 498 1,487 SH   SOLE   0 0 1,487
LCI INDS COM 50189K103 918 6,822 SH   SOLE   0 0 6,822
LEVEL ONE COM 52730D208 544 18,500 SH   SOLE   0 0 18,500
MASTERCARD INC CL A 57636Q104 236 678 SH   SOLE   0 0 678
MERCK & COMPANY COM 58933Y105 532 7,089 SH   SOLE   0 0 7,089
NETFLIX INC COM 64110L106 864 1,416 SH   SOLE   0 0 1,416
NVIDIA CORP COM 67066G104 404 1,948 SH   SOLE   0 0 1,948
QUEST DIAGNOSTICS COM 74834L100 409 2,816 SH   SOLE   0 0 2,816
SPDR S&P TR UNIT 78462F103 5,000 11,652 SH   SOLE   0 0 11,652
SPDR GOLD GOLD SHS 78463V107 330 2,010 SH   SOLE   0 0 2,010
SPDR DOW UT SER 1 78467X109 380 1,123 SH   SOLE   0 0 1,123
SPDR S&P UTSER1 S&PDCRP 78467Y107 1,012 2,106 SH   SOLE   0 0 2,106
SALESFORCE.COM INC COM 79466L302 324 1,195 SH   SOLE   0 0 1,195
SECTOR TECHNOLOGY TECHNOLOGY 81369Y803 771 5,167 SH   SOLE   0 0 5,167
SMILEDIRECTCLUB INC CL A COM 83192H106 95 17,933 SH   SOLE   0 0 17,933
TARGET CORP COM 87612E106 307 1,342 SH   SOLE   0 0 1,342
TENCENT MUSIC ENTMT GROUP SPON ADS 88034P109 145 19,925 SH   SOLE   0 0 19,925
TESLA INC COM 88160R101 620 800 SH   SOLE   0 0 800
3M COMPANY COM 88579Y101 498 2,843 SH   SOLE   0 0 2,843
VANGUARD HEALTH HEALTH CAR ETF 92204A504 369 1,491 SH   SOLE   0 0 1,491
VANGUARD INFORMATION INF TECH ETF 92204A702 1,048 2,612 SH   SOLE   0 0 2,612
VANGUARD SHORT SHORT TERM TREAS 92206C102 270 4,394 SH   SOLE   0 0 4,394
VANGUARD RUSSELL VNG RUS2000VAL 92206C649 538 3,827 SH   SOLE   0 0 3,827
VANGUARD RUSSELL VNG RUS1000VAL 92206C714 1,215 17,684 SH   SOLE   0 0 17,684
LONG TERM TREAS LONG TERM TREAS 92206C847 237 2,705 SH   SOLE   0 0 2,705
VANGUARD MUNICIPAL TAX EXEMPT BD 922907746 2,468 45,056 SH   SOLE   0 0 45,056
VIATRIS INC COM 92556V106 175 12,906 SH   SOLE   0 0 12,906
VISA INC COM CL A 92826C839 861 3,864 SH   SOLE   0 0 3,864
WISDOMTREE TR CURRNCY INT EQ 97717X263 346 11,605 SH   SOLE   0 0 11,605
WORLD GOLD SPDR GLD MINIS 98149E204 4,433 253,871 SH   SOLE   0 0 253,871
ZOETIS INC CL A 98978V103 1,371 7,064 SH   SOLE   0 0 7,064
EATON CORP SHS G29183103 634 4,244 SH   SOLE   0 0 4,244
LINDE PLC COM G5494J103 705 2,403 SH   SOLE   0 0 2,403