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
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 230 2,395 SH   SOLE   0 0 2,395
ALPHABET INC CAP STK CL C 02079K107 461 165 SH   SOLE   0 0 165
ALPHABET INC CAP STK CL A 02079K305 715 257 SH   SOLE   0 0 257
AMAZON COM INC COM 023135106 323 99 SH   SOLE   0 0 99
APPLE INC COM 037833100 1,919 10,992 SH   SOLE   0 0 10,992
ARAMARK COM 03852U106 293 7,783 SH   SOLE   0 0 7,783
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,645 5 SH   SOLE   0 0 5
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 509 1,441 SH   SOLE   0 0 1,441
CHEVRON CORP NEW COM 166764100 16 100 SH   SOLE   0 0 100
CITIGROUP INC COM NEW 172967424 18 335 SH   SOLE   0 0 335
DISNEY WALT CO COM 254687106 226 1,651 SH   SOLE   0 0 1,651
DULUTH HLDGS INC COM CL B 26443V101 171 13,983 SH   SOLE   0 0 13,983
FENNEC PHARMACEUTICALS INC COM 31447P100 224 40,000 SH   SOLE   0 0 40,000
GENERAL MTRS CO COM 37045V100 19 440 SH   SOLE   0 0 440
HERSHEY CO COM 427866108 860 3,968 SH   SOLE   0 0 3,968
INVESCO QQQ TR UNIT SER 1 46090E103 238 656 SH   SOLE   0 0 656
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 682 4,325 SH   SOLE   0 0 4,325
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 325 10,437 SH   SOLE   0 0 10,437
ISHARES TR CORE S&P TTL STK 464287150 445 4,408 SH   SOLE   0 0 4,408
ISHARES TR CORE S&P500 ETF 464287200 71,664 157,958 SH   SOLE   0 0 157,958
ISHARES TR CORE US AGGBD ET 464287226 1,970 18,397 SH   SOLE   0 0 18,397
ISHARES TR RUS MID CAP ETF 464287499 629 8,063 SH   SOLE   0 0 8,063
ISHARES TR CORE S&P MCP ETF 464287507 17,142 63,880 SH   SOLE   0 0 63,880
ISHARES TR RUS 1000 VAL ETF 464287598 253 1,523 SH   SOLE   0 0 1,523
ISHARES TR RUS 1000 GRW ETF 464287614 5,272 18,990 SH   SOLE   0 0 18,990
ISHARES TR RUS 1000 ETF 464287622 225 900 SH   SOLE   0 0 900
ISHARES TR RUS 2000 VAL ETF 464287630 346 2,143 SH   SOLE   0 0 2,143
ISHARES TR RUSSELL 2000 ETF 464287655 534 2,602 SH   SOLE   0 0 2,602
ISHARES TR CORE S&P US VLU 464287663 3,068 40,444 SH   SOLE   0 0 40,444
ISHARES TR CORE S&P US GWT 464287671 871 8,246 SH   SOLE   0 0 8,246
ISHARES TR S&P MC 400VL ETF 464287705 804 7,332 SH   SOLE   0 0 7,332
ISHARES TR CORE S&P SCP ETF 464287804 17,197 159,413 SH   SOLE   0 0 159,413
ISHARES TR SP SMCP600VL ETF 464287879 1,027 10,029 SH   SOLE   0 0 10,029
ISHARES SILVER TR ISHARES 46428Q109 269 11,769 SH   SOLE   0 0 11,769
ISHARES TR GNMA BOND ETF 46429B333 202 4,242 SH   SOLE   0 0 4,242
ISHARES TR FLTG RATE NT ETF 46429B655 2,493 49,339 SH   SOLE   0 0 49,339
ISHARES TR MSCI EAFE MIN VL 46429B689 1,160 16,077 SH   SOLE   0 0 16,077
ISHARES TR MSCI USA MIN VOL 46429B697 592 7,630 SH   SOLE   0 0 7,630
ISHARES TR CORE MSCI TOTAL 46432F834 734 11,031 SH   SOLE   0 0 11,031
ISHARES TR CORE MSCI EAFE 46432F842 27,668 398,039 SH   SOLE   0 0 398,039
ISHARES TR CORE 1 5 YR USD 46432F859 548 11,298 SH   SOLE   0 0 11,298
ISHARES INC CORE MSCI EMKT 46434G103 1,032 18,577 SH   SOLE   0 0 18,577
ISHARES INC ESG AWR MSCI EM 46434G863 362 9,856 SH   SOLE   0 0 9,856
ISHARES TR BLACKROCK ULTRA 46434V878 2,246 44,794 SH   SOLE   0 0 44,794
ISHARES TR ESG AWR MSCI USA 46435G425 282 2,785 SH   SOLE   0 0 2,785
ISHARES TR ESG AW MSCI EAFE 46435G516 1,018 13,809 SH   SOLE   0 0 13,809
JPMORGAN CHASE & CO COM 46625H100 78 573 SH   SOLE   0 0 573
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 405 8,066 SH   SOLE   0 0 8,066
JOHNSON & JOHNSON COM 478160104 326 1,839 SH   SOLE   0 0 1,839
LUMEN TECHNOLOGIES INC COM 550241103 23 2,000 SH   SOLE   0 0 2,000
MAGNA INTL INC COM 559222401 10 155 SH   SOLE   0 0 155
MICROSOFT CORP COM 594918104 283 916 SH   SOLE   0 0 916
NEWMONT CORP COM 651639106 222 2,800 SH   SOLE   0 0 2,800
PAYCHEX INC COM 704326107 622 4,560 SH   SOLE   0 0 4,560
PIMCO ETF TR ACTIVE BD ETF 72201R775 390 3,830 SH   SOLE   0 0 3,830
SPDR S&P 500 ETF TR TR UNIT 78462F103 523 1,157 SH   SOLE   0 0 1,157
SPDR SER TR S&P 600 SMCP GRW 78464A201 705 8,410 SH   SOLE   0 0 8,410
SPDR SER TR S&P 400 MDCP GRW 78464A821 530 7,144 SH   SOLE   0 0 7,144
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,464 158,524 SH   SOLE   0 0 158,524
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 19,041 353,588 SH   SOLE   0 0 353,588
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,416 32,287 SH   SOLE   0 0 32,287
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,964 41,512 SH   SOLE   0 0 41,512
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,492 85,575 SH   SOLE   0 0 85,575
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,553 138,370 SH   SOLE   0 0 138,370
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 980 35,305 SH   SOLE   0 0 35,305
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,207 53,332 SH   SOLE   0 0 53,332
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,888 105,895 SH   SOLE   0 0 105,895
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,859 36,765 SH   SOLE   0 0 36,765
SIMON PPTY GROUP INC NEW COM 828806109 247 1,879 SH   SOLE   0 0 1,879
TESLA INC COM 88160R101 227 211 SH   SOLE   0 0 211
THE REALREAL INC COM 88339P101 218 30,000 SH   SOLE   0 0 30,000
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,648 10,160 SH   SOLE   0 0 10,160
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 216 2,776 SH   SOLE   0 0 2,776
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,749 36,409 SH   SOLE   0 0 36,409
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 261 2,575 SH   SOLE   0 0 2,575
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 219 4,752 SH   SOLE   0 0 4,752
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,423 3,427 SH   SOLE   0 0 3,427
VANGUARD INDEX FDS MID CAP ETF 922908629 699 2,937 SH   SOLE   0 0 2,937
VANGUARD INDEX FDS LARGE CAP ETF 922908637 983 4,715 SH   SOLE   0 0 4,715
VANGUARD INDEX FDS GROWTH ETF 922908736 837 2,911 SH   SOLE   0 0 2,911
VANGUARD INDEX FDS VALUE ETF 922908744 1,686 11,408 SH   SOLE   0 0 11,408
VANGUARD INDEX FDS SMALL CP ETF 922908751 893 4,201 SH   SOLE   0 0 4,201
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 20 1,227 SH   SOLE   0 0 1,227
LIBERTY GLOBAL PLC SHS CL C G5480U120 17 643 SH   SOLE   0 0 643
CHUBB LIMITED COM H1467J104 428 2,000 SH   SOLE   0 0 2,000