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
Apple Inc Com 037833100   621,289 3,203 SH   SOLE   0 0 3,203
iShares MSCI ACWI Com 464288257   329,842 3,438 SH   SOLE   0 0 3,438
Ishares Core US Aggregate Bond Etf Com 464287226   1,668,774 17,037 SH   SOLE   0 0 17,037
Amazon.Com Inc Com 023135106   2,191,352 16,810 SH   SOLE   0 0 16,810
Air Products & Chemicals Inc Com 009158106   966,883 3,228 SH   SOLE   0 0 3,228
AVANTIS INTERNATIONAL EQUITY ETF Com 025072703   44,229,773 770,554 SH   SOLE   0 0 770,554
AVANTIS EMERGING MARKETS EQ ETF Com 025072604   15,979,677 296,965 SH   SOLE   0 0 296,965
AVANTIS US SMALL CAP VALUE ETF Com 025072877   2,784,060 35,872 SH   SOLE   0 0 35,872
Becton Dickinson and Co Com 075887109   1,017,388 3,854 SH   SOLE   0 0 3,854
Vanguard Intermediate-Term Bond ETF Com 921937819   4,274,117 56,814 SH   SOLE   0 0 56,814
Bank Of New York Mellon Corp Com Usd0.01 Com 064058100   513,004 11,523 SH   SOLE   0 0 11,523
Booking Holdings Inc Com Com 09857L108   2,816,444 1,043 SH   SOLE   0 0 1,043
Vanguard Long-Term Bond ETF Com 921937793   5,548,950 74,065 SH   SOLE   0 0 74,065
Bristol-Myers Squibb Company Com 110122108   1,917,758 29,988 SH   SOLE   0 0 29,988
Berkshire Hathaway Inc Com Usd0.0033 Cla Com 084670702   3,585,956 10,516 SH   SOLE   0 0 10,516
Vanguard Short-Term Bond ETF Com 921937827   4,779,576 63,247 SH   SOLE   0 0 63,247
Banyan Gold Corp Com 06683K106   7,366 26,708 SH   SOLE   0 0 26,708
Comcast Corp Com 20030N101   1,202,313 28,937 SH   SOLE   0 0 28,937
Danaher Corp Com 235851102   1,882,080 7,842 SH   SOLE   0 0 7,842
SPDR Dow Jones Industrial Average ETF Com 78467X109   1,885,673 5,484 SH   SOLE   0 0 5,484
Disney Walt Co Com Com 254687106   861,016 9,644 SH   SOLE   0 0 9,644
Ebay Inc. Com Com 278642103   773,634 17,311 SH   SOLE   0 0 17,311
Ishares Msci Eafe Etf Com 464287465   1,638,428 22,599 SH   SOLE   0 0 22,599
Diamondback Energy Inc Com 25278X109   1,318,979 10,041 SH   SOLE   0 0 10,041
FedEx Corp Com 31428X106   1,938,846 7,821 SH   SOLE   0 0 7,821
Ishares Tr Fltg Rate Nt Etf Com 46429B655   915,573 18,016 SH   SOLE   0 0 18,016
Great Basin Gold Ltd Com 390124105   0 10,343 SH   SOLE   0 0 10,343
General Dynamics Corp Com Usd1.00 Com 369550108   805,121 3,742 SH   SOLE   0 0 3,742
Gentex Corp Com 371901109   232,090 7,932 SH   SOLE   0 0 7,932
Alphabet Inc C Com 02079K107   771,789 6,380 SH   SOLE   0 0 6,380
Alphabet Inc Cap Stk Cl A Com 02079K305   5,084,856 42,480 SH   SOLE   0 0 42,480
Ishares Tr Iboxx Hi Yd Etf Com 464288513   5,666,187 75,479 SH   SOLE   0 0 75,479
Ishares Tr Blackrock Ultra Com 46434V878   7,209,124 143,323 SH   SOLE   0 0 143,323
iShares 7-10 Year Treasury Bond ETF Com 464287440   1,934,370 20,025 SH   SOLE   0 0 20,025
Ishares S&P Midcap 400 Index Fund Com 464287507   9,986,637 38,193 SH   SOLE   0 0 38,193
iShares S&P Mid-Cap 400 Value ETF Com 464287705   6,130,546 57,225 SH   SOLE   0 0 57,225
iShares Core S&P Small-Cap Com 464287804   2,474,473 24,832 SH   SOLE   0 0 24,832
Ishares S&P 500 Value Etf Com 464287408   19,422,434 120,494 SH   SOLE   0 0 120,494
Ishares S&P 500 Com 464287200   28,146,079 63,149 SH   SOLE   0 0 63,149
iShares S&P 500 Growth Com 464287309   2,754,006 39,075 SH   SOLE   0 0 39,075
Ishares Tr Rus MD Cp Gr Etf Com 464287481   5,149,734 53,293 SH   SOLE   0 0 53,293
iShares US Basic Materials Com 464287838   1,939,736 14,579 SH   SOLE   0 0 14,579
J.A.G. Mines Ltd Com 466080108   0 415,000 SH   SOLE   0 0 415,000
Johnson & Johnson Com 478160104   213,190 1,288 SH   SOLE   0 0 1,288
Jpmorgan Chase & Co Com 46625H100   1,062,059 7,302 SH   SOLE   0 0 7,302
CarMax Inc Com 143130102   1,825,832 21,814 SH   SOLE   0 0 21,814
Mastercard Incorporated Cl A Com 57636Q104   1,714,388 4,359 SH   SOLE   0 0 4,359
Meta Platforms Inc Class A Com 30303M102   3,478,772 12,122 SH   SOLE   0 0 12,122
Microsoft Corp Com 594918104   4,564,583 13,404 SH   SOLE   0 0 13,404
Nuveen ESG Emerging Markets Equity ETF Com 67092P888   293,664 10,753 SH   SOLE   0 0 10,753
Novartis Ag Sponsored Adr Com 66987V109   1,189,729 11,790 SH   SOLE   0 0 11,790
Procter & Gamble Co Com 742718109   238,080 1,569 SH   SOLE   0 0 1,569
Parker-Hannifin Corp Com Com 701094104   1,691,073 4,336 SH   SOLE   0 0 4,336
Philip Morris International Inc Com 718172109   1,214,588 12,442 SH   SOLE   0 0 12,442
Pioneer Natural Resources Co Com 723787107   215,674 1,041 SH   SOLE   0 0 1,041
QUALCOMM Inc Com 747525103   979,272 8,226 SH   SOLE   0 0 8,226
Invesco Qqq Tr Unit Ser 1 Com 46090E103   30,192,976 81,731 SH   SOLE   0 0 81,731
Schwab Short-Term US Treasury ETF Com 808524862   591,301 12,303 SH   SOLE   0 0 12,303
Schwab Charles Corp Com Com 808513105   3,450,316 60,874 SH   SOLE   0 0 60,874
iShares 1-3 Year Treasury Bond Com 464287457   12,127,675 149,577 SH   SOLE   0 0 149,577
iShares 0-5 Year Invmt Grade Corp Bd ETF Com 46434V100   5,816,585 120,651 SH   SOLE   0 0 120,651
iShares Semiconductor ETF Com 464287523   7,465,829 14,718 SH   SOLE   0 0 14,718
Spdr S&P500 Etf TRUST Trust Unit Deposit Com 78462F103   1,070,964 2,416 SH   SOLE   0 0 2,416
Ishares Short-Term National Muni Bond Et Com 464288158   1,851,080 17,792 SH   SOLE   0 0 17,792
iShares MSCI USA ESG Select ETF Com 464288802   626,920 6,695 SH   SOLE   0 0 6,695
iShares Treasury Floating Rate Bond ETF Com 46434V860   550,175 10,858 SH   SOLE   0 0 10,858
Ishares Tr 20 Yr Tr Bd Etf Com 464287432   8,409,272 81,691 SH   SOLE   0 0 81,691
Visa Inc Com 92826C839   2,351,903 9,904 SH   SOLE   0 0 9,904
Vanguard Small-Cap ETF Com 922908751   866,564 4,357 SH   SOLE   0 0 4,357
Vanguard Small-Cap Value ETF Com 922908611   1,063,196 6,428 SH   SOLE   0 0 6,428
Vanguard FTSE Developed Markets ETF Com 921943858   358,172 7,756 SH   SOLE   0 0 7,756
Vanguard Value ETF Com 922908744   10,397,797 73,172 SH   SOLE   0 0 73,172
Welltower Inc Com Com 95040Q104   531,447 6,570 SH   SOLE   0 0 6,570
Wells Fargo Co New Com Com 949746101   798,494 18,709 SH   SOLE   0 0 18,709
American Century Mid Cap Value Inv Mutual Funds 025076654   908,992 57,787 SH   SOLE   0 0 57,787
American Century Sustainable Equity Inv Mutual Funds 02508H600   414,709 9,342 SH   SOLE   0 0 9,342
American Century One Choice Agrsv Inv Mutual Funds 02507F720   799,959 55,669 SH   SOLE   0 0 55,669
American Century One Choice Mod Inv Mutual Funds 02507F738   617,910 44,776 SH   SOLE   0 0 44,776
CION Ares Diversified Credit I Mutual Funds 17260G301   2,041,450 83,290 SH   SOLE   0 0 83,290
Calvert International Responsible Idx I Mutual Funds 13161Y707   804,151 28,885 SH   SOLE   0 0 28,885
Counterpoint Tactical Income Cl I Mutual Funds 66538G759   6,296,984 571,933 SH   SOLE   0 0 571,933
DFA US Core Equity 1 I Mutual Funds 233203413   334,540 9,977 SH   SOLE   0 0 9,977
Touchstone Flexible Income A Mutual Funds 89154Q620   129,822 13,167 SH   SOLE   0 0 13,167
Fidelity International Index Mutual Funds 315911727   262,579 5,688 SH   SOLE   0 0 5,688
Franklin CA High Yield Municipal Adv Mutual Funds 354025801   98,645 10,149 SH   SOLE   0 0 10,149
Fidelity 500 Index Fund Mutual Funds 315911750   1,039,384 6,705 SH   SOLE   0 0 6,705
MainStay MacKay Convertible I Mutual Funds 56063N600   2,227,353 121,780 SH   SOLE   0 0 121,780
Metropolitan West Total Return Bd Plan Mutual Funds 592905764   173,431 20,404 SH   SOLE   0 0 20,404
Nuveen ESG Large-Cap Growth ETF Mutual Funds 67092P201   395,158 6,352 SH   SOLE   0 0 6,352
Parnassus Endeavor Investor Mutual Funds 701765869   414,161 8,741 SH   SOLE   0 0 8,741
PIMCO Income I-3 Mutual Funds 72202E393   2,008,163 192,907 SH   SOLE   0 0 192,907
Thompson Bond Fund Mutual Funds 884891201   10,424,243 1,085,859 SH   SOLE   0 0 1,085,859
Bluerock Total Inc Real Estate Cl I Mutual Funds 09630D407   6,992,384 208,666 SH   SOLE   0 0 208,666
First Trust Alternative Opportunities I Mutual Funds 75943J100   4,455,014 169,263 SH   SOLE   0 0 169,263
Vanguard Large Cap Index Admiral Mutual Funds 922908579   434,570 4,244 SH   SOLE   0 0 4,244
Wavelength Interest Rate Neutral Fund Mutual Funds 90386H883   14,107,814 1,507,245 SH   SOLE   0 0 1,507,245