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

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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 192 1,736 SH   SOLE NONE 185 0 1,551
APPLE INC COM 037833100 1,299 9,392 SH   SOLE NONE 5,092 0 4,300
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 489 10,299 SH   SOLE NONE 10,299 0 0
BRKSHR HTHWY CL A 084670108 8,535 21 SH   SOLE NONE 1 0 20
BRKSHR HTHWY CL B NEW 084670702 1,913 7,167 SH   SOLE NONE 3,160 0 4,007
CHVRN CORP COM 166764100 398 2,780 SH   SOLE NONE 336 0 2,444
COCA COLA CO COM 191216100 369 6,590 SH   SOLE NONE 6,390 0 200
COSTCO WHSL CORP NEW COM 22160K105 224 474 SH   SOLE NONE 474 0 0
DSKTOP METAL INC COM CL A 25058X105 984 380,000 SH   SOLE NONE 0 0 380,000
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 4,058 104,160 SH   SOLE NONE 104,160 0 0
EXXON MOBIL CORP COM 30231G102 221 2,539 SH   SOLE NONE 0 0 2,539
FNB CORP COM 302520101 211 18,198 SH   SOLE NONE 0 0 18,198
FIFTH THIRD BANCORP COM 316773100 183 5,738 SH   SOLE NONE 0 0 5,738
HOME DEPOT INC COM 437076102 211 765 SH   SOLE NONE 715 0 50
ISHARES TR RUS 1000 GRW ETF 464287614 413 1,964 SH   SOLE NONE 1,964 0 0
ISHARES TR CORE S&P TTL STK 464287150 804 10,118 SH   SOLE NONE 10,118 0 0
ISHARES NEW ISHARES GOLD TR 464285204 1,061 33,620 SH   SOLE NONE 27,809 0 5,811
ISHARES TR MSCI EAFE ETF 464287465 204 3,649 SH   SOLE NONE 3,649 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 273 7,820 SH   SOLE NONE 7,820 0 0
ISHARES TR MSCI KLD400 SOC 464288570 2,388 35,664 SH   SOLE NONE 35,406 0 258
ISHARES TR RUS 1000 ETF 464287622 190 958 SH   SOLE NONE 958 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 299 2,209 SH   SOLE NONE 2,209 0 0
ISHARES TR RUS 3000 ETF 464287689 483 2,333 SH   SOLE NONE 2,333 0 0
ISHARES TR CORE S&P 500 ETF 464287200 501 1,394 SH   SOLE NONE 1,394 0 0
ISHARES TR TIPS BD ETF 464287176 1,574 14,992 SH   SOLE NONE 12,801 0 2,191
LILIUM N V CLASS A ORD SHS N52586109 342 150,136 SH   SOLE NONE 0 0 150,136
MERCK & CO INC COM 58933Y105 275 3,179 SH   SOLE NONE 1,670 0 1,509
MERIDIANLINK INC COM 58985J105 1,320 81,050 SH   SOLE NONE 4,150 0 76,900
MICROSOFT CORP COM 594918104 598 2,564 SH   SOLE NONE 1,572 0 992
PINNACLE FINL PARTNERS INC COM 72346q104 359 4,425 SH   SOLE NONE 200 0 4,225
PROCTER AND GAMBLE CO COM 742718109 222 1,766 SH   SOLE NONE 860 0 906
SPR SRS TRST DJ REIT ETF 78464A607 757 8,995 SH   SOLE NONE 8,995 0 0
VALLEY NATL BANCORP COM 919794107 363 33,574 SH   SOLE NONE 0 0 33,574
VGRD SPEC PORT DIV APP ETF 921908844 12,147 89,873 SH   SOLE NONE 89,873 0 0
VGRD TX MNGD FTSE DEV MKT ETF 921943858 280 7,709 SH   SOLE NONE 7,709 0 0
VGRD INTL EQ IDX SM CP VAL ETF 922908611 424 2,953 SH   SOLE NONE 2,067 0 886
VGRD IDX FDS LG CP ETF 922908637 10,470 64,019 SH   SOLE NONE 64,019 0 0
VGRD WRLD FD MEGA CP IDX 921910873 569 4,560 SH   SOLE NONE 4,560 0 0
VRGD IDX FDS MD CP ETF 922908629 4,484 23,851 SH   SOLE NONE 23,851 0 0
VGRD IDX FDS REAL ESTATE ETF 922908553 81,444 1,015,938 SH   SOLE NONE 920,619 0 95,319
VGRD IDX FDS S&P 500 ETF SHS 922908363 206 628 SH   SOLE NONE 0 0 628
VGRD IDX FDS SM CP ETF 922908751 987 5,772 SH   SOLE NONE 5,772 0 0
VGRD IDX FDS TOT STK MKT ETF 922908769 172,405 960,641 SH   SOLE NONE 798,106 0 162,535
VISA INC COM CL A 92826c839 207 1,162 SH   SOLE NONE 1,162 0 0
WALMART INC COM 931142103 259 2,000 SH   SOLE NONE 2,000 0 0