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
ALPHABET INC CAP STK CL C 02079K107 168 58 SH   SOLE   0 0 58
ALPHABET INC CAP STK CL A 02079K305 295 102 SH   SOLE   0 0 102
AMAZON COM INC COM 023135106 323 97 SH   SOLE   0 0 97
APPLE INC COM 037833100 1,945 10,956 SH   SOLE   0 0 10,956
ARAMARK COM 03852U106 286 7,760 SH   SOLE   0 0 7,760
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,253 5 SH   SOLE   0 0 5
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 431 1,441 SH   SOLE   0 0 1,441
CHEVRON CORP NEW COM 166764100 12 100 SH   SOLE   0 0 100
CITIGROUP INC COM NEW 172967424 32 535 SH   SOLE   0 0 535
DISNEY WALT CO COM 254687106 268 1,646 SH   SOLE   0 0 1,646
DULUTH HLDGS INC COM CL B 26443V101 212 13,983 SH   SOLE   0 0 13,983
META PLATFORMS INC CL A 30303M102 199 593 SH   SOLE   0 0 593
FENNEC PHARMACEUTICALS INC COM 31447P100 176 40,000 SH   SOLE   0 0 40,000
GENERAL MTRS CO COM 37045V100 26 440 SH   SOLE   0 0 440
HERSHEY CO COM 427866108 768 3,968 SH   SOLE   0 0 3,968
HUMACYTE INC COM 44486Q103 80 11,000 SH   SOLE   0 0 11,000
INVESCO QQQ TR UNIT SER 1 46090E103 257 646 SH   SOLE   0 0 646
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 633 3,887 SH   SOLE   0 0 3,887
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 330 10,348 SH   SOLE   0 0 10,348
ISHARES TR CORE S&P TTL STK 464287150 455 4,254 SH   SOLE   0 0 4,254
ISHARES TR CORE S&P500 ETF 464287200 65,151 136,589 SH   SOLE   0 0 136,589
ISHARES TR CORE US AGGBD ET 464287226 2,182 19,129 SH   SOLE   0 0 19,129
ISHARES TR RUS MID CAP ETF 464287499 668 8,041 SH   SOLE   0 0 8,041
ISHARES TR CORE S&P MCP ETF 464287507 15,535 54,877 SH   SOLE   0 0 54,877
ISHARES TR RUS 1000 VAL ETF 464287598 256 1,523 SH   SOLE   0 0 1,523
ISHARES TR RUS 1000 GRW ETF 464287614 5,797 18,969 SH   SOLE   0 0 18,969
ISHARES TR RUS 1000 ETF 464287622 238 900 SH   SOLE   0 0 900
ISHARES TR RUS 2000 VAL ETF 464287630 356 2,143 SH   SOLE   0 0 2,143
ISHARES TR RUSSELL 2000 ETF 464287655 579 2,602 SH   SOLE   0 0 2,602
ISHARES TR CORE S&P US VLU 464287663 3,009 39,417 SH   SOLE   0 0 39,417
ISHARES TR CORE S&P US GWT 464287671 954 8,246 SH   SOLE   0 0 8,246
ISHARES TR S&P MC 400VL ETF 464287705 809 7,311 SH   SOLE   0 0 7,311
ISHARES TR CORE S&P SCP ETF 464287804 16,237 141,798 SH   SOLE   0 0 141,798
ISHARES TR SP SMCP600VL ETF 464287879 1,106 10,584 SH   SOLE   0 0 10,584
ISHARES SILVER TR ISHARES 46428Q109 253 11,769 SH   SOLE   0 0 11,769
ISHARES TR GNMA BOND ETF 46429B333 211 4,242 SH   SOLE   0 0 4,242
ISHARES TR MSCI EAFE MIN VL 46429B689 1,826 23,785 SH   SOLE   0 0 23,785
ISHARES TR MSCI USA MIN VOL 46429B697 615 7,604 SH   SOLE   0 0 7,604
ISHARES TR CORE MSCI TOTAL 46432F834 782 11,022 SH   SOLE   0 0 11,022
ISHARES TR CORE MSCI EAFE 46432F842 26,732 358,150 SH   SOLE   0 0 358,150
ISHARES TR CORE 1 5 YR USD 46432F859 638 12,643 SH   SOLE   0 0 12,643
ISHARES INC CORE MSCI EMKT 46434G103 1,030 17,203 SH   SOLE   0 0 17,203
ISHARES TR BLACKROCK ULTRA 46434V878 1,410 27,986 SH   SOLE   0 0 27,986
JPMORGAN CHASE & CO COM 46625H100 116 735 SH   SOLE   0 0 735
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,167 23,121 SH   SOLE   0 0 23,121
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 417 8,418 SH   SOLE   0 0 8,418
JOHNSON & JOHNSON COM 478160104 314 1,839 SH   SOLE   0 0 1,839
MAGNA INTL INC COM 559222401 13 155 SH   SOLE   0 0 155
MICROSOFT CORP COM 594918104 297 884 SH   SOLE   0 0 884
NEWMONT CORP COM 651639106 273 4,400 SH   SOLE   0 0 4,400
PIMCO ETF TR ACTIVE BD ETF 72201R775 416 3,806 SH   SOLE   0 0 3,806
SPDR S&P 500 ETF TR TR UNIT 78462F103 550 1,157 SH   SOLE   0 0 1,157
SPDR SER TR S&P 600 SMCP GRW 78464A201 780 8,405 SH   SOLE   0 0 8,405
SPDR SER TR S&P 400 MDCP GRW 78464A821 582 7,144 SH   SOLE   0 0 7,144
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 9,063 80,199 SH   SOLE   0 0 80,199
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 17,263 151,669 SH   SOLE   0 0 151,669
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,674 16,331 SH   SOLE   0 0 16,331
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,113 28,860 SH   SOLE   0 0 28,860
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,451 80,212 SH   SOLE   0 0 80,212
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,732 55,977 SH   SOLE   0 0 55,977
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 887 29,940 SH   SOLE   0 0 29,940
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,530 43,668 SH   SOLE   0 0 43,668
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,161 81,311 SH   SOLE   0 0 81,311
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,759 51,183 SH   SOLE   0 0 51,183
SIMON PPTY GROUP INC NEW COM 828806109 300 1,879 SH   SOLE   0 0 1,879
TESLA INC COM 88160R101 217 205 SH   SOLE   0 0 205
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,799 10,475 SH   SOLE   0 0 10,475
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 323 3,999 SH   SOLE   0 0 3,999
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,717 33,637 SH   SOLE   0 0 33,637
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 272 2,533 SH   SOLE   0 0 2,533
VANGUARD WORLD FDS INF TECH ETF 92204A702 216 472 SH   SOLE   0 0 472
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,125 2,577 SH   SOLE   0 0 2,577
VANGUARD INDEX FDS MID CAP ETF 922908629 833 3,269 SH   SOLE   0 0 3,269
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,039 4,701 SH   SOLE   0 0 4,701
VANGUARD INDEX FDS GROWTH ETF 922908736 1,062 3,309 SH   SOLE   0 0 3,309
VANGUARD INDEX FDS VALUE ETF 922908744 1,669 11,347 SH   SOLE   0 0 11,347
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,003 4,436 SH   SOLE   0 0 4,436
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 17 1,160 SH   SOLE   0 0 1,160
LIBERTY GLOBAL PLC SHS CL C G5480U120 18 643 SH   SOLE   0 0 643
CHUBB LIMITED COM H1467J104 387 2,000 SH   SOLE   0 0 2,000