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   216,785 2,270 SH   SOLE   0 0 2,270
ALPHABET INC CAP STK CL C 02079K107   632,793 4,156 SH   SOLE   0 0 4,156
ALPHABET INC CAP STK CL A 02079K305   829,662 5,497 SH   SOLE   0 0 5,497
AMAZON COM INC COM 023135106   373,026 2,068 SH   SOLE   0 0 2,068
APPLE INC COM 037833100   1,528,401 8,913 SH   SOLE   0 0 8,913
BERKSHIRE HATHAWAY INC DEL CL A 084670108   3,172,200 5 SH   SOLE   0 0 5
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   298,990 711 SH   SOLE   0 0 711
CHEVRON CORP NEW COM 166764100   28,393 180 SH   SOLE   0 0 180
CITIGROUP INC COM NEW 172967424   14,672 232 SH   SOLE   0 0 232
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,190,492 68,560 SH   SOLE   0 0 68,560
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,237,783 48,655 SH   SOLE   0 0 48,655
DULUTH HLDGS INC COM CL B 26443V101   68,517 13,983 SH   SOLE   0 0 13,983
META PLATFORMS INC CL A 30303M102   242,790 500 SH   SOLE   0 0 500
FEDEX CORP COM 31428X106   14,487 50 SH   SOLE   0 0 50
GENERAL MTRS CO COM 37045V100   19,954 440 SH   SOLE   0 0 440
HERSHEY CO COM 427866108   759,523 3,905 SH   SOLE   0 0 3,905
INVESCO QQQ TR UNIT SER 1 46090E103   256,698 578 SH   SOLE   0 0 578
ISHARES GOLD TR ISHARES NEW 464285204   208,748 4,969 SH   SOLE   0 0 4,969
ISHARES TR CORE S&P TTL STK 464287150   313,923 2,723 SH   SOLE   0 0 2,723
ISHARES TR CORE S&P500 ETF 464287200   88,454,889 168,252 SH   SOLE   0 0 168,252
ISHARES TR CORE US AGGBD ET 464287226   774,237 7,905 SH   SOLE   0 0 7,905
ISHARES TR RUS MID CAP ETF 464287499   520,565 6,191 SH   SOLE   0 0 6,191
ISHARES TR CORE S&P MCP ETF 464287507   17,778,433 292,697 SH   SOLE   0 0 292,697
ISHARES TR RUS 1000 GRW ETF 464287614   4,150,464 12,314 SH   SOLE   0 0 12,314
ISHARES TR RUS 1000 ETF 464287622   259,227 900 SH   SOLE   0 0 900
ISHARES TR RUS 2000 VAL ETF 464287630   349,268 2,199 SH   SOLE   0 0 2,199
ISHARES TR RUSSELL 2000 ETF 464287655   298,836 1,421 SH   SOLE   0 0 1,421
ISHARES TR CORE S&P US VLU 464287663   2,346,824 25,949 SH   SOLE   0 0 25,949
ISHARES TR CORE S&P US GWT 464287671   1,392,369 11,879 SH   SOLE   0 0 11,879
ISHARES TR S&P MC 400VL ETF 464287705   640,822 5,417 SH   SOLE   0 0 5,417
ISHARES TR CORE S&P SCP ETF 464287804   17,094,506 154,673 SH   SOLE   0 0 154,673
ISHARES TR SP SMCP600VL ETF 464287879   705,685 6,867 SH   SOLE   0 0 6,867
ISHARES TR MSCI EAFE MIN VL 46429B689   867,350 12,237 SH   SOLE   0 0 12,237
ISHARES TR MSCI USA MIN VOL 46429B697   637,525 7,628 SH   SOLE   0 0 7,628
ISHARES TR CORE MSCI TOTAL 46432F834   280,951 4,140 SH   SOLE   0 0 4,140
ISHARES TR CORE MSCI EAFE 46432F842   29,536,728 397,962 SH   SOLE   0 0 397,962
ISHARES TR CORE 1 5 YR USD 46432F859   231,966 4,890 SH   SOLE   0 0 4,890
ISHARES INC CORE MSCI EMKT 46434G103   495,224 9,597 SH   SOLE   0 0 9,597
ISHARES TR IBONDS DEC25 ETF 46434VBD1   355,898 14,345 SH   SOLE   0 0 14,345
ISHARES TR IBONDS DEC24 ETF 46434VBG4   355,845 14,205 SH   SOLE   0 0 14,205
ISHARES TR IBONDS DEC2026 46435GAA0   355,994 14,926 SH   SOLE   0 0 14,926
ISHARES TR IBDS DEC28 ETF 46435U515   357,234 14,344 SH   SOLE   0 0 14,344
ISHARES TR IBONDS 27 ETF 46435UAA9   356,370 14,974 SH   SOLE   0 0 14,974
JPMORGAN CHASE & CO COM 46625H100   112,769 563 SH   SOLE   0 0 563
JOHNSON & JOHNSON COM 478160104   91,117 576 SH   SOLE   0 0 576
LIGHTWAVE LOGIC INC COM 532275104   187,200 40,000 SH   SOLE   0 0 40,000
LOCKHEED MARTIN CORP COM 539830109   273,832 602 SH   SOLE   0 0 602
MAGNA INTL INC COM 559222401   8,444 155 SH   SOLE   0 0 155
MICROSOFT CORP COM 594918104   549,460 1,306 SH   SOLE   0 0 1,306
NVIDIA CORPORATION COM 67066G104   422,866 468 SH   SOLE   0 0 468
PAYCHEX INC COM 704326107   559,968 4,560 SH   SOLE   0 0 4,560
PIMCO ETF TR ACTIVE BD ETF 72201R775   368,433 4,011 SH   SOLE   0 0 4,011
SPDR S&P 500 ETF TR TR UNIT 78462F103   336,334 643 SH   SOLE   0 0 643
SPDR SER TR S&P 600 SMCP GRW 78464A201   368,821 4,228 SH   SOLE   0 0 4,228
SPDR SER TR S&P 400 MDCP GRW 78464A821   566,861 6,494 SH   SOLE   0 0 6,494
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   8,107,043 132,793 SH   SOLE   0 0 132,793
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   20,497,047 330,278 SH   SOLE   0 0 330,278
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,588,650 17,134 SH   SOLE   0 0 17,134
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,670,738 35,151 SH   SOLE   0 0 35,151
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   7,448,230 91,468 SH   SOLE   0 0 91,468
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   6,916,018 140,455 SH   SOLE   0 0 140,455
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   402,924 15,957 SH   SOLE   0 0 15,957
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   5,601,988 69,478 SH   SOLE   0 0 69,478
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,392,213 112,563 SH   SOLE   0 0 112,563
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,016,059 43,827 SH   SOLE   0 0 43,827
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   714,992 14,831 SH   SOLE   0 0 14,831
SIMON PPTY GROUP INC NEW COM 828806109   294,045 1,879 SH   SOLE   0 0 1,879
SINCLAIR INC CL A 829242106   147,369 10,941 SH   SOLE   0 0 10,941
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,630,919 8,931 SH   SOLE   0 0 8,931
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   503,002 10,026 SH   SOLE   0 0 10,026
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   264,000 2,182 SH   SOLE   0 0 2,182
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   279,858 2,533 SH   SOLE   0 0 2,533
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   211,902 5,073 SH   SOLE   0 0 5,073
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   429,189 8,482 SH   SOLE   0 0 8,482
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,382,439 2,876 SH   SOLE   0 0 2,876
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   222,059 942 SH   SOLE   0 0 942
VANGUARD INDEX FDS SML CP GRW ETF 922908595   437,648 1,679 SH   SOLE   0 0 1,679
VANGUARD INDEX FDS MID CAP ETF 922908629   826,202 3,307 SH   SOLE   0 0 3,307
VANGUARD INDEX FDS LARGE CAP ETF 922908637   846,419 3,530 SH   SOLE   0 0 3,530
VANGUARD INDEX FDS GROWTH ETF 922908736   431,922 1,255 SH   SOLE   0 0 1,255
VANGUARD INDEX FDS VALUE ETF 922908744   1,736,923 10,665 SH   SOLE   0 0 10,665
VANGUARD INDEX FDS SMALL CP ETF 922908751   987,824 4,321 SH   SOLE   0 0 4,321
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   3,329 374 SH   SOLE   0 0 374
LIBERTY GLOBAL LTD COM CL C G61188127   11,343 643 SH   SOLE   0 0 643
CHUBB LIMITED COM H1467J104   518,260 2,000 SH   SOLE   0 0 2,000