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
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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   206,615 2,270 SH   SOLE   0 0 2,270
ALPHABET INC CAP STK CL C 02079K107   585,705 4,156 SH   SOLE   0 0 4,156
ALPHABET INC CAP STK CL A 02079K305   770,954 5,497 SH   SOLE   0 0 5,497
AMAZON COM INC COM 023135106   362,833 2,388 SH   SOLE   0 0 2,388
APPLE INC COM 037833100   1,714,865 8,907 SH   SOLE   0 0 8,907
BERKSHIRE HATHAWAY INC DEL CL A 084670108   2,713,125 5 SH   SOLE   0 0 5
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   253,585 711 SH   SOLE   0 0 711
CHEVRON CORP NEW COM 166764100   26,849 180 SH   SOLE   0 0 180
CITIGROUP INC COM NEW 172967424   11,934 232 SH   SOLE   0 0 232
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,004,009 68,560 SH   SOLE   0 0 68,560
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,315,528 27,984 SH   SOLE   0 0 27,984
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,188,155 48,655 SH   SOLE   0 0 48,655
DULUTH HLDGS INC COM CL B 26443V101   75,229 13,983 SH   SOLE   0 0 13,983
META PLATFORMS INC CL A 30303M102   176,980 500 SH   SOLE   0 0 500
FEDEX CORP COM 31428X106   12,649 50 SH   SOLE   0 0 50
GENERAL MTRS CO COM 37045V100   15,805 440 SH   SOLE   0 0 440
HERSHEY CO COM 427866108   728,048 3,905 SH   SOLE   0 0 3,905
INVESCO QQQ TR UNIT SER 1 46090E103   236,712 578 SH   SOLE   0 0 578
ISHARES TR CORE S&P TTL STK 464287150   285,787 2,716 SH   SOLE   0 0 2,716
ISHARES TR CORE S&P500 ETF 464287200   77,271,627 161,781 SH   SOLE   0 0 161,781
ISHARES TR CORE US AGGBD ET 464287226   673,604 6,787 SH   SOLE   0 0 6,787
ISHARES TR RUS MID CAP ETF 464287499   644,970 8,298 SH   SOLE   0 0 8,298
ISHARES TR CORE S&P MCP ETF 464287507   15,116,079 54,541 SH   SOLE   0 0 54,541
ISHARES TR RUS 1000 GRW ETF 464287614   4,383,765 14,460 SH   SOLE   0 0 14,460
ISHARES TR RUS 1000 ETF 464287622   236,034 900 SH   SOLE   0 0 900
ISHARES TR RUS 2000 VAL ETF 464287630   340,372 2,191 SH   SOLE   0 0 2,191
ISHARES TR RUSSELL 2000 ETF 464287655   286,413 1,427 SH   SOLE   0 0 1,427
ISHARES TR CORE S&P US VLU 464287663   814,300 9,656 SH   SOLE   0 0 9,656
ISHARES TR CORE S&P US GWT 464287671   1,282,777 12,323 SH   SOLE   0 0 12,323
ISHARES TR S&P MC 400VL ETF 464287705   718,603 6,301 SH   SOLE   0 0 6,301
ISHARES TR CORE S&P SCP ETF 464287804   15,851,541 146,435 SH   SOLE   0 0 146,435
ISHARES TR SP SMCP600VL ETF 464287879   919,519 8,921 SH   SOLE   0 0 8,921
ISHARES TR MSCI EAFE MIN VL 46429B689   848,505 12,237 SH   SOLE   0 0 12,237
ISHARES TR MSCI USA MIN VOL 46429B697   607,820 7,790 SH   SOLE   0 0 7,790
ISHARES TR CORE MSCI TOTAL 46432F834   303,623 4,676 SH   SOLE   0 0 4,676
ISHARES TR CORE MSCI EAFE 46432F842   22,420,043 318,693 SH   SOLE   0 0 318,693
ISHARES TR CORE 1 5 YR USD 46432F859   206,411 4,340 SH   SOLE   0 0 4,340
ISHARES INC CORE MSCI EMKT 46434G103   367,722 7,270 SH   SOLE   0 0 7,270
JPMORGAN CHASE & CO COM 46625H100   95,766 563 SH   SOLE   0 0 563
JOHNSON & JOHNSON COM 478160104   90,282 576 SH   SOLE   0 0 576
LIGHTWAVE LOGIC INC COM 532275104   199,200 40,000 SH   SOLE   0 0 40,000
LOCKHEED MARTIN CORP COM 539830109   271,944 600 SH   SOLE   0 0 600
MAGNA INTL INC COM 559222401   9,157 155 SH   SOLE   0 0 155
MICROSOFT CORP COM 594918104   452,752 1,204 SH   SOLE   0 0 1,204
NVIDIA CORPORATION COM 67066G104   231,763 468 SH   SOLE   0 0 468
PAYCHEX INC COM 704326107   543,142 4,560 SH   SOLE   0 0 4,560
PIMCO ETF TR ACTIVE BD ETF 72201R775   366,607 3,965 SH   SOLE   0 0 3,965
SPDR S&P 500 ETF TR TR UNIT 78462F103   305,624 643 SH   SOLE   0 0 643
SPDR SER TR S&P 600 SMCP GRW 78464A201   429,210 5,132 SH   SOLE   0 0 5,132
SPDR SER TR S&P 400 MDCP GRW 78464A821   540,586 7,144 SH   SOLE   0 0 7,144
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,373,288 132,446 SH   SOLE   0 0 132,446
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   19,375,483 343,537 SH   SOLE   0 0 343,537
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,044,956 24,650 SH   SOLE   0 0 24,650
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   766,097 10,929 SH   SOLE   0 0 10,929
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   5,423,441 72,005 SH   SOLE   0 0 72,005
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   6,467,411 136,905 SH   SOLE   0 0 136,905
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   421,291 16,994 SH   SOLE   0 0 16,994
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   5,772,998 75,831 SH   SOLE   0 0 75,831
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,048,593 136,596 SH   SOLE   0 0 136,596
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,962,267 42,091 SH   SOLE   0 0 42,091
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   692,867 14,301 SH   SOLE   0 0 14,301
SIMON PPTY GROUP INC NEW COM 828806109   268,021 1,879 SH   SOLE   0 0 1,879
SINCLAIR INC CL A 829242106   141,488 10,859 SH   SOLE   0 0 10,859
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,504,181 8,827 SH   SOLE   0 0 8,827
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   539,391 11,261 SH   SOLE   0 0 11,261
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   243,577 2,182 SH   SOLE   0 0 2,182
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   225,513 2,192 SH   SOLE   0 0 2,192
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   258,206 6,282 SH   SOLE   0 0 6,282
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   433,006 8,482 SH   SOLE   0 0 8,482
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   878,604 2,011 SH   SOLE   0 0 2,011
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   206,424 940 SH   SOLE   0 0 940
VANGUARD INDEX FDS SML CP GRW ETF 922908595   405,203 1,676 SH   SOLE   0 0 1,676
VANGUARD INDEX FDS MID CAP ETF 922908629   768,623 3,304 SH   SOLE   0 0 3,304
VANGUARD INDEX FDS LARGE CAP ETF 922908637   767,501 3,518 SH   SOLE   0 0 3,518
VANGUARD INDEX FDS GROWTH ETF 922908736   389,951 1,254 SH   SOLE   0 0 1,254
VANGUARD INDEX FDS VALUE ETF 922908744   1,603,923 10,729 SH   SOLE   0 0 10,729
VANGUARD INDEX FDS SMALL CP ETF 922908751   920,847 4,317 SH   SOLE   0 0 4,317
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   3,254 374 SH   SOLE   0 0 374
LIBERTY GLOBAL LTD COM CL C G61188127   11,986 643 SH   SOLE   0 0 643
CHUBB LIMITED COM H1467J104   452,000 2,000 SH   SOLE   0 0 2,000