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
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   207,047 2,270 SH   SOLE   0 0 2,270
ALPHABET INC CAP STK CL C 02079K107   339,040 3,260 SH   SOLE   0 0 3,260
ALPHABET INC CAP STK CL A 02079K305   543,545 5,240 SH   SOLE   0 0 5,240
AMAZON COM INC COM 023135106   161,132 1,560 SH   SOLE   0 0 1,560
APPLE INC COM 037833100   1,721,586 10,440 SH   SOLE   0 0 10,440
BERKSHIRE HATHAWAY INC DEL CL A 084670108   2,328,000 5 SH   SOLE   0 0 5
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   204,715 663 SH   SOLE   0 0 663
CHEVRON CORP NEW COM 166764100   16,316 100 SH   SOLE   0 0 100
CITIGROUP INC COM NEW 172967424   10,846 231 SH   SOLE   0 0 231
DULUTH HLDGS INC COM CL B 26443V101   89,212 13,983 SH   SOLE   0 0 13,983
FEDEX CORP COM 31428X106   11,425 50 SH   SOLE   0 0 50
GENERAL MTRS CO COM 37045V100   16,139 440 SH   SOLE   0 0 440
HERSHEY CO COM 427866108   998,559 3,925 SH   SOLE   0 0 3,925
ISHARES GOLD TR ISHARES NEW 464285204   213,271 5,707 SH   SOLE   0 0 5,707
ISHARES TR CORE S&P TTL STK 464287150   269,565 2,977 SH   SOLE   0 0 2,977
ISHARES TR CORE S&P500 ETF 464287200   55,913,166 136,015 SH   SOLE   0 0 136,015
ISHARES TR CORE US AGGBD ET 464287226   709,701 7,123 SH   SOLE   0 0 7,123
ISHARES TR RUS MID CAP ETF 464287499   573,406 8,201 SH   SOLE   0 0 8,201
ISHARES TR CORE S&P MCP ETF 464287507   12,833,800 51,302 SH   SOLE   0 0 51,302
ISHARES TR RUS 1000 GRW ETF 464287614   3,961,078 16,212 SH   SOLE   0 0 16,212
ISHARES TR RUS 2000 VAL ETF 464287630   295,163 2,154 SH   SOLE   0 0 2,154
ISHARES TR RUSSELL 2000 ETF 464287655   203,911 1,143 SH   SOLE   0 0 1,143
ISHARES TR CORE S&P US VLU 464287663   2,474,809 33,543 SH   SOLE   0 0 33,543
ISHARES TR CORE S&P US GWT 464287671   818,570 9,221 SH   SOLE   0 0 9,221
ISHARES TR S&P MC 400VL ETF 464287705   755,727 7,354 SH   SOLE   0 0 7,354
ISHARES TR CORE S&P SCP ETF 464287804   13,062,394 135,082 SH   SOLE   0 0 135,082
ISHARES TR SP SMCP600VL ETF 464287879   944,462 10,091 SH   SOLE   0 0 10,091
ISHARES SILVER TR ISHARES 46428Q109   237,060 10,717 SH   SOLE   0 0 10,717
ISHARES TR MSCI EAFE MIN VL 46429B689   1,005,875 14,869 SH   SOLE   0 0 14,869
ISHARES TR MSCI USA MIN VOL 46429B697   564,763 7,764 SH   SOLE   0 0 7,764
ISHARES TR CORE MSCI TOTAL 46432F834   320,296 5,170 SH   SOLE   0 0 5,170
ISHARES TR CORE MSCI EAFE 46432F842   20,495,117 306,584 SH   SOLE   0 0 306,584
ISHARES INC CORE MSCI EMKT 46434G103   280,013 5,739 SH   SOLE   0 0 5,739
ISHARES INC ESG AWR MSCI EM 46434G863   946,163 30,056 SH   SOLE   0 0 30,056
ISHARES TR BLACKROCK ULTRA 46434V878   654,399 13,023 SH   SOLE   0 0 13,023
ISHARES TR ESG AW MSCI EAFE 46435G516   2,037,239 28,358 SH   SOLE   0 0 28,358
JPMORGAN CHASE & CO COM 46625H100   73,365 563 SH   SOLE   0 0 563
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   298,850 5,939 SH   SOLE   0 0 5,939
JOHNSON & JOHNSON COM 478160104   219,790 1,418 SH   SOLE   0 0 1,418
MAGNA INTL INC COM 559222401   8,303 155 SH   SOLE   0 0 155
MICROSOFT CORP COM 594918104   138,344 480 SH   SOLE   0 0 480
PIMCO ETF TR ACTIVE BD ETF 72201R775   363,657 3,921 SH   SOLE   0 0 3,921
SPDR S&P 500 ETF TR TR UNIT 78462F103   431,088 1,053 SH   SOLE   0 0 1,053
SPDR SER TR S&P 600 SMCP GRW 78464A201   623,391 8,453 SH   SOLE   0 0 8,453
SPDR SER TR S&P 400 MDCP GRW 78464A821   488,935 7,144 SH   SOLE   0 0 7,144
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,451,665 155,730 SH   SOLE   0 0 155,730
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   19,074,069 394,337 SH   SOLE   0 0 394,337
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,662,198 25,506 SH   SOLE   0 0 25,506
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,381,841 36,320 SH   SOLE   0 0 36,320
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   6,726,981 99,145 SH   SOLE   0 0 99,145
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   6,299,229 150,232 SH   SOLE   0 0 150,232
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   425,088 17,336 SH   SOLE   0 0 17,336
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   5,662,784 77,403 SH   SOLE   0 0 77,403
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,259,566 122,401 SH   SOLE   0 0 122,401
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,910,515 40,727 SH   SOLE   0 0 40,727
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   421,571 8,641 SH   SOLE   0 0 8,641
SIMON PPTY GROUP INC NEW COM 828806109   210,392 1,879 SH   SOLE   0 0 1,879
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,451,598 9,425 SH   SOLE   0 0 9,425
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   283,422 6,275 SH   SOLE   0 0 6,275
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   230,201 2,182 SH   SOLE   0 0 2,182
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   233,167 2,532 SH   SOLE   0 0 2,532
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   429,698 8,482 SH   SOLE   0 0 8,482
VANGUARD INDEX FDS SML CP GRW ETF 922908595   358,500 1,657 SH   SOLE   0 0 1,657
VANGUARD INDEX FDS MID CAP ETF 922908629   710,660 3,369 SH   SOLE   0 0 3,369
VANGUARD INDEX FDS LARGE CAP ETF 922908637   895,830 4,795 SH   SOLE   0 0 4,795
VANGUARD INDEX FDS GROWTH ETF 922908736   334,656 1,342 SH   SOLE   0 0 1,342
VANGUARD INDEX FDS VALUE ETF 922908744   1,514,282 10,964 SH   SOLE   0 0 10,964
VANGUARD INDEX FDS SMALL CP ETF 922908751   889,425 4,692 SH   SOLE   0 0 4,692
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   13,546 1,227 SH   SOLE   0 0 1,227
LIBERTY GLOBAL PLC SHS CL C G5480U120   13,104 643 SH   SOLE   0 0 643
CHUBB LIMITED COM H1467J104   388,360 2,000 SH   SOLE   0 0 2,000