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
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 204 2,395 SH   SOLE   0 0 2,395
ALPHABET INC CAP STK CL C 02079K107 357 163 SH   SOLE   0 0 163
ALPHABET INC CAP STK CL A 02079K305 559 257 SH   SOLE   0 0 257
AMAZON COM INC COM 023135106 215 2,021 SH   SOLE   0 0 2,021
APPLE INC COM 037833100 1,533 11,211 SH   SOLE   0 0 11,211
ARAMARK COM 03852U106 239 7,808 SH   SOLE   0 0 7,808
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,045 5 SH   SOLE   0 0 5
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 393 1,441 SH   SOLE   0 0 1,441
CHEVRON CORP NEW COM 166764100 14 100 SH   SOLE   0 0 100
CITIGROUP INC COM NEW 172967424 11 235 SH   SOLE   0 0 235
DULUTH HLDGS INC COM CL B 26443V101 133 13,983 SH   SOLE   0 0 13,983
FEDEX CORP COM 31428X106 11 50 SH   SOLE   0 0 50
FENNEC PHARMACEUTICALS INC COM 31447P100 223 40,000 SH   SOLE   0 0 40,000
GENERAL MTRS CO COM 37045V100 14 440 SH   SOLE   0 0 440
HERSHEY CO COM 427866108 854 3,968 SH   SOLE   0 0 3,968
HUMACYTE INC COM 44486Q103 35 11,000 SH   SOLE   0 0 11,000
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 273 2,031 SH   SOLE   0 0 2,031
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 290 10,514 SH   SOLE   0 0 10,514
ISHARES TR CORE S&P TTL STK 464287150 250 2,981 SH   SOLE   0 0 2,981
ISHARES TR CORE S&P500 ETF 464287200 60,779 160,304 SH   SOLE   0 0 160,304
ISHARES TR CORE US AGGBD ET 464287226 1,850 18,190 SH   SOLE   0 0 18,190
ISHARES TR RUS MID CAP ETF 464287499 523 8,089 SH   SOLE   0 0 8,089
ISHARES TR CORE S&P MCP ETF 464287507 14,406 63,677 SH   SOLE   0 0 63,677
ISHARES TR RUS 1000 VAL ETF 464287598 221 1,523 SH   SOLE   0 0 1,523
ISHARES TR RUS 1000 GRW ETF 464287614 4,165 19,043 SH   SOLE   0 0 19,043
ISHARES TR RUS 2000 VAL ETF 464287630 292 2,143 SH   SOLE   0 0 2,143
ISHARES TR RUSSELL 2000 ETF 464287655 431 2,543 SH   SOLE   0 0 2,543
ISHARES TR CORE S&P US VLU 464287663 2,601 38,891 SH   SOLE   0 0 38,891
ISHARES TR CORE S&P US GWT 464287671 690 8,246 SH   SOLE   0 0 8,246
ISHARES TR S&P MC 400VL ETF 464287705 694 7,353 SH   SOLE   0 0 7,353
ISHARES TR CORE S&P SCP ETF 464287804 14,584 157,818 SH   SOLE   0 0 157,818
ISHARES TR SP SMCP600VL ETF 464287879 894 1,041 SH   SOLE   0 0 1,041
ISHARES SILVER TR ISHARES 46428Q109 218 11,669 SH   SOLE   0 0 11,669
ISHARES TR MSCI EAFE MIN VL 46429B689 968 15,296 SH   SOLE   0 0 15,296
ISHARES TR MSCI USA MIN VOL 46429B697 540 7,696 SH   SOLE   0 0 7,696
ISHARES TR CORE MSCI TOTAL 46432F834 636 11,148 SH   SOLE   0 0 11,148
ISHARES TR CORE MSCI EAFE 46432F842 23,502 399,347 SH   SOLE   0 0 399,347
ISHARES TR CORE 1 5 YR USD 46432F859 519 10,949 SH   SOLE   0 0 10,949
ISHARES INC CORE MSCI EMKT 46434G103 915 18,641 SH   SOLE   0 0 18,641
ISHARES INC ESG AWR MSCI EM 46434G863 318 9,856 SH   SOLE   0 0 9,856
ISHARES TR BLACKROCK ULTRA 46434V878 664 13,272 SH   SOLE   0 0 13,272
ISHARES TR ESG AWR MSCI USA 46435G425 234 2,785 SH   SOLE   0 0 2,785
ISHARES TR ESG AW MSCI EAFE 46435G516 867 13,809 SH   SOLE   0 0 13,809
JPMORGAN CHASE & CO COM 46625H100 63 563 SH   SOLE   0 0 563
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 404 8,066 SH   SOLE   0 0 8,066
JOHNSON & JOHNSON COM 478160104 326 1,839 SH   SOLE   0 0 1,839
LIGHTWAVE LOGIC INC COM 532275104 275 42,000 SH   SOLE   0 0 42,000
LUMEN TECHNOLOGIES INC COM 550241103 22 2,000 SH   SOLE   0 0 2,000
MAGNA INTL INC COM 559222401 9 155 SH   SOLE   0 0 155
MICROSOFT CORP COM 594918104 235 916 SH   SOLE   0 0 916
PAYCHEX INC COM 704326107 519 4,560 SH   SOLE   0 0 4,560
PIMCO ETF TR ACTIVE BD ETF 72201R775 368 3,859 SH   SOLE   0 0 3,859
SPDR S&P 500 ETF TR TR UNIT 78462F103 436 1,157 SH   SOLE   0 0 1,157
SPDR SER TR S&P 600 SMCP GRW 78464A201 594 8,420 SH   SOLE   0 0 8,420
SPDR SER TR S&P 400 MDCP GRW 78464A821 435 7,144 SH   SOLE   0 0 7,144
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,011 158,660 SH   SOLE   0 0 158,660
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 15,974 357,680 SH   SOLE   0 0 357,680
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,868 32,218 SH   SOLE   0 0 32,218
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,608 41,783 SH   SOLE   0 0 41,783
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,393 85,971 SH   SOLE   0 0 85,971
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,441 139,538 SH   SOLE   0 0 139,538
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 925 36,438 SH   SOLE   0 0 36,438
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,092 57,130 SH   SOLE   0 0 57,130
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,364 106,950 SH   SOLE   0 0 106,950
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,709 35,705 SH   SOLE   0 0 35,705
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 230 4,666 SH   SOLE   0 0 4,666
THE REALREAL INC COM 88339P101 75 30,000 SH   SOLE   0 0 30,000
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,428 9,956 SH   SOLE   0 0 9,956
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 1,459 35,753 SH   SOLE   0 0 35,753
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 220 2,578 SH   SOLE   0 0 2,578
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 251 6,015 SH   SOLE   0 0 6,015
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 978 2,819 SH   SOLE   0 0 2,819
VANGUARD INDEX FDS MID CAP ETF 922908629 575 2,920 SH   SOLE   0 0 2,920
VANGUARD INDEX FDS LARGE CAP ETF 922908637 816 4,734 SH   SOLE   0 0 4,734
VANGUARD INDEX FDS GROWTH ETF 922908736 649 2,913 SH   SOLE   0 0 2,913
VANGUARD INDEX FDS VALUE ETF 922908744 1,417 10,743 SH   SOLE   0 0 10,743
VANGUARD INDEX FDS SMALL CP ETF 922908751 784 4,451 SH   SOLE   0 0 4,451
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 19 1,227 SH   SOLE   0 0 1,227
LIBERTY GLOBAL PLC SHS CL C G5480U120 14 643 SH   SOLE   0 0 643
CHUBB LIMITED COM H1467J104 393 2,000 SH   SOLE   0 0 2,000