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
Abbvie Inc COM 00287Y109   732 4,265 SH   SOLE 0 4,265 0 0
Advanced Micro Devic COM 007903107   255 1,572 SH   SOLE 0 1,572 0 0
Air Products & Chemicals Inc COM 009158106   294 1,141 SH   SOLE 0 1,141 0 0
Alpha Architect 1-3 Month Box ETF ALPHA ARCH 1-3 02072L565   7,768 72,053 SH   SOLE 0 72,053 0 0
Amazon.com COM 023135106   207 1,071 SH   SOLE 0 1,071 0 0
Avantis US Large Cap Value ETF US LARGE CAP VLU 025072349   28,980 461,177 SH   SOLE 0 461,177 0 0
Avantis Emerging Markets Equity ETF AVANTIS EMGMKT 025072604   10,609 173,666 SH   SOLE 0 173,666 0 0
Avantis International Small Cap Value ETF INTL SMCP VLU 025072802   20,748 319,444 SH   SOLE 0 319,444 0 0
Avantis U.S. Small Cap Value ETF US SML CP VALU 025072877   12,312 137,226 SH   SOLE 0 137,226 0 0
Anavex Life Sciences COM 032797300   138 32,700 SH   SOLE 0 32,700 0 0
Apple Inc COM 037833100   3,524 16,732 SH   SOLE 0 16,732 0 0
Automatic Data Processing COM 053015103   425 1,779 SH   SOLE 0 1,779 0 0
Berkshire Hath. Cl B COM 084670207   732 1,800 SH   SOLE 0 1,800 0 0
Broadcom Ltd COM 11135F101   1,178 734 SH   SOLE 0 734 0 0
Cambria Shareholder Yield ETF SHSHLD YIELD ETF 132061201   14,004 205,101 SH   SOLE 0 205,101 0 0
Cambria Foreign Shareholder Yield ETF CAMBRIA FGN SHR 132061300   8,168 309,178 SH   SOLE 0 309,178 0 0
Cambria Emerging Shareholder Yield ETF EMRG SHAREHLDR 132061706   5,618 163,261 SH   SOLE 0 163,261 0 0
Chevron Corp COM 166764100   718 4,592 SH   SOLE 0 4,592 0 0
Cincinnati Financial COM 172062101   471 3,990 SH   SOLE 0 3,990 0 0
Compass Diversified COM 20451Q104   963 44,000 SH   SOLE 0 44,000 0 0
Corning Inc COM 219350105   226 5,817 SH   SOLE 0 5,817 0 0
Costco Wholesale Corp COM 22160K105   202 238 SH   SOLE 0 238 0 0
Dell Computers COM 247025109   287 2,078 SH   SOLE 0 2,078 0 0
Dimensional US High Profitability ETF US HIGH PROFITAB 25434V831   15,228 476,009 SH   SOLE 0 476,009 0 0
Duke Energy Corporation COM 26441C105   396 3,953 SH   SOLE 0 3,953 0 0
Eaton Corporation COM 278058102   572 1,824 SH   SOLE 0 1,824 0 0
Energy Transfer LP COM 29273V100   298 18,399 SH   SOLE 0 18,399 0 0
Exxon Mobil Corp COM 30231G102   880 7,644 SH   SOLE 0 7,644 0 0
Meta Platforms Inc COM 30303M102   1,058 2,097 SH   SOLE 0 2,097 0 0
Flexshares Morningstar Global Upstream Natural Resources MORNSTAR UPSTR 33939L407   554 13,794 SH   SOLE 0 13,794 0 0
Metaverse Capital Corp COM 37958T100   0 50,000 SH   SOLE 0 50,000 0 0
Home Depot COM 437076102   674 1,958 SH   SOLE 0 1,958 0 0
Hubbell Inc Class B COM 443510201   333 910 SH   SOLE 0 910 0 0
Illinois Tool Works COM 452308109   229 966 SH   SOLE 0 966 0 0
Nasdaq 100 Shares UNIT SER 1 46090E103   402 840 SH   SOLE 0 840 0 0
iShares Mstar Large Core LRGE CORE INDX 464287127   244 3,252 SH   SOLE 0 3,252 0 0
iShares S&P 500 Index S&P 500 INDEX 464287200   2,247 4,105 SH   SOLE 0 4,105 0 0
iShares S&P Midcap 400 CORE S&P MCP ETF 464287507   631 10,791 SH   SOLE 0 10,791 0 0
iShares Russell 1000 Value RUSSELL1000VAL 464287598   1,266 7,257 SH   SOLE 0 7,257 0 0
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614   1,086 2,980 SH   SOLE 0 2,980 0 0
iShares Russell 1000 Index RUSSELL 1000 464287622   24,454 82,186 SH   SOLE 0 82,186 0 0
iShares Russell 2000 Value Idx RUSL 2000 VALU 464287630   682 4,478 SH   SOLE 0 4,478 0 0
iShares Russell 2000 Idx RUSSELL 2000 ETF 464287655   1,904 9,386 SH   SOLE 0 9,386 0 0
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804   36,268 340,037 SH   SOLE 0 340,037 0 0
iShares 3-7 Year Treasury Bond 3-7 YR TR BD ETF 464288661   5,189 44,940 SH   SOLE 0 44,940 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842   25,956 357,330 SH   SOLE 0 357,330 0 0
iShares Core 1-5 Year USD Bond ETF CORE 1 5 YR USD 46432F859   453 9,569 SH   SOLE 0 9,569 0 0
iShares Core MSCI Emerging Markets CORE MSCI EMKT 46434G103   10,698 199,853 SH   SOLE 0 199,853 0 0
iShares 0-3 Month Treasury Bond ETF 0-3 MNTH TREASRY 46436E718   25,476 252,961 SH   SOLE 0 252,961 0 0
JPMorgan Chase & Co COM 46625H100   656 3,246 SH   SOLE 0 3,246 0 0
JPMorgan Equity Premium EQUITY PREMIUM 46641Q332   1,092 19,258 SH   SOLE 0 19,258 0 0
Keurig Dr Pepper Inc. COM 49271V100   249 7,450 SH   SOLE 0 7,450 0 0
Kroger Corp COM 501044101   245 4,907 SH   SOLE 0 4,907 0 0
Lilly Eli & Co COM 532457108   999 1,103 SH   SOLE 0 1,103 0 0
Lockheed Martin Corp COM 539830109   314 672 SH   SOLE 0 672 0 0
Marathon Group Corp COM 565807401   0 300,000 SH   SOLE 0 300,000 0 0
Marsh & McLennan COM 571748102   452 2,145 SH   SOLE 0 2,145 0 0
Matador Resources Co COM 576485205   335 5,628 SH   SOLE 0 5,628 0 0
McDonalds Corp COM 580135101   556 2,181 SH   SOLE 0 2,181 0 0
Medical Svcs Intl Cl A COM 58463C101   0 50,000 SH   SOLE 0 50,000 0 0
Merck & Co COM 589331107   821 6,634 SH   SOLE 0 6,634 0 0
Microsoft COM 594918104   1,221 2,731 SH   SOLE 0 2,731 0 0
Mondelez Intl Inc Cl A COM 609207105   568 8,684 SH   SOLE 0 8,684 0 0
Netlist, Inc. COM 64118P109   26 19,500 SH   SOLE 0 19,500 0 0
Nextera Energy Inc COM 65339F101   592 8,359 SH   SOLE 0 8,359 0 0
NW Biotherapeutics COM 66737P600   26 60,150 SH   SOLE 0 60,150 0 0
Nvidia Corp COM 67066G104   992 8,029 SH   SOLE 0 8,029 0 0
Otter Tail Corp COM 689648103   461 5,266 SH   SOLE 0 5,266 0 0
PNC Financial Services COM 693475105   436 2,802 SH   SOLE 0 2,802 0 0
Paychex Inc COM 704326107   247 2,084 SH   SOLE 0 2,084 0 0
Pepsico Inc COM 713448108   750 4,547 SH   SOLE 0 4,547 0 0
Phillips 66 COM 718546104   354 2,507 SH   SOLE 0 2,507 0 0
Procter & Gamble COM 742718109   18,551 112,488 SH   SOLE 0 112,488 0 0
Qualcomm Inc COM 747525103   276 1,387 SH   SOLE 0 1,387 0 0
Realty Income Corp. COM 756109104   321 6,086 SH   SOLE 0 6,086 0 0
SPDR S&P 500 ETF TR UNIT 78462F103   506 929 SH   SOLE 0 929 0 0
SPDR Gold Trust GOLD SHS 78463V107   279 1,298 SH   SOLE 0 1,298 0 0
SPDR Developed World ex-US ETF PORTFOLIO DEVLPD 78463X889   2,361 67,302 SH   SOLE 0 67,302 0 0
SPDR S&P 600 Small Cap Value S&P 600 SMCP VAL 78464A300   1,558 19,890 SH   SOLE 0 19,890 0 0
Charles Schwab Corp COM 808513105   277 3,764 SH   SOLE 0 3,764 0 0
Schwab U.S. Broad Market ETF US BRD MKT ETF 808524102   4,203 66,854 SH   SOLE 0 66,854 0 0
Schwab US Large Cap ETF US LRG CAP ETF 808524201   276 4,288 SH   SOLE 0 4,288 0 0
Schwab U.S. Small Cap ETF US SML CAP ETF 808524607   1,247 26,280 SH   SOLE 0 26,280 0 0
Schwab Emerging Market ETF EMRG MKTEQ ETF 808524706   1,647 61,998 SH   SOLE 0 61,998 0 0
Schwab Fundamental Emg Mkts Large Co Index SCHWB FDT EMK LG 808524730   985 33,324 SH   SOLE 0 33,324 0 0
Schwab Fundamental International Large Cap SCHWB FDT INT LG 808524755   19,433 554,753 SH   SOLE 0 554,753 0 0
Schwab Fundamental US Small Cap ETF SCHWAB FDT US SC 808524763   477 8,676 SH   SOLE 0 8,676 0 0
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797   6,030 77,551 SH   SOLE 0 77,551 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805   42,672 1,110,681 SH   SOLE 0 1,110,681 0 0
Sellas Life Sciences Gro COM 81642T209   263 221,000 SH   SOLE 0 221,000 0 0
Sempra Energy COM 816851109   420 5,518 SH   SOLE 0 5,518 0 0
Service Corp Int'l, Inc. COM 817565104   4,834 67,956 SH   SOLE 0 67,956 0 0
Starbucks Corp COM 855244109   523 6,721 SH   SOLE 0 6,721 0 0
Texas Instruments COM 882508104   435 2,235 SH   SOLE 0 2,235 0 0
Travelers Co COM 89417E109   437 2,149 SH   SOLE 0 2,149 0 0
US Bancorp COM 902973304   232 5,841 SH   SOLE 0 5,841 0 0
Vanguard Dividend Appreciation DIV APP ETF 921908844   2,606 14,276 SH   SOLE 0 14,276 0 0
Vanguard US Multifactor US MULTIFACTOR 921935607   11,999 98,029 SH   SOLE 0 98,029 0 0
Vanguard Short Term Bond Index SHORT TRM BOND 921937827   851 11,095 SH   SOLE 0 11,095 0 0
Vanguard Total Bond Market TOTAL BND MRKT 921937835   342 4,744 SH   SOLE 0 4,744 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858   9,136 184,869 SH   SOLE 0 184,869 0 0
Vanguard High Dividend Yield Index Fund HIGH DIV YLD 921946406   33,141 279,432 SH   SOLE 0 279,432 0 0
Vanguard International High Dividend ETF INTL HIGH ETF 921946794   2,782 40,596 SH   SOLE 0 40,596 0 0
Vanguard FTSE All-World ex-US Sm-Cp ETF FTSE SMCAP ETF 922042718   1,153 9,817 SH   SOLE 0 9,817 0 0
Vanguard Emerging Market FTSE EMR MKT ETF 922042858   3,842 87,791 SH   SOLE 0 87,791 0 0
Vanguard Energy ETF ENERGY ETF 92204A306   261 2,048 SH   SOLE 0 2,048 0 0
Vanguard Short-Term Treasury Index SHORT TERM TREAS 92206C102   31,870 549,570 SH   SOLE 0 549,570 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680   1,381 14,723 SH   SOLE 0 14,723 0 0
Vanguard Intermediate-Term Treasury Index INTER TERM TREAS 92206C706   36,209 621,826 SH   SOLE 0 621,826 0 0
Vanguard Russell 1000 ETF VNG RUS1000IDX 92206C730   14,293 58,084 SH   SOLE 0 58,084 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363   130,060 260,052 SH   SOLE 0 260,052 0 0
Vanguard Real Estate Index REIT ETF 922908553   1,047 12,500 SH   SOLE 0 12,500 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595   1,363 5,449 SH   SOLE 0 5,449 0 0
Vanguard Large Cap Value ETF VALUE ETF 922908744   4,716 29,397 SH   SOLE 0 29,397 0 0
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769   386 1,443 SH   SOLE 0 1,443 0 0
Williams Companies COM 969457100   479 11,259 SH   SOLE 0 11,259 0 0
Wisdomtree Small Cap Dividend SMALLCAP DIVID 97717W604   1,053 33,799 SH   SOLE 0 33,799 0 0
Nxp Semiconductors COM N6596X109   213 793 SH   SOLE 0 793 0 0
iShares Short-Term National Muni Bond ETF SHRT NAT MUN ETF 464288158   7,583 72,525 SH   SOLE 0 72,525 0 0
iShares National AMT-Free Muni Bond NATIONAL MUN ETF 464288414   9,302 87,303 SH   SOLE 0 87,303 0 0