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
3M CO COM 88579Y101   196,188 1,636 SH   SOLE NONE 185 0 1,451
AGILENT TECHNOLOGIES INC COM 00846U101   193,048 1,290 SH   SOLE NONE 1,290 0 0
APPLE INC COM 037833100   958,363 7,376 SH   SOLE NONE 3,076 0 4,300
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   1,476,181 26,670 SH   SOLE NONE 26,670 0 0
BRKSHR HTHWY CL A 084670108   9,842,928 21 SH   SOLE NONE 1 0 20
BRKSHR HTHWY CL B NEW 084670702   2,213,882 7,167 SH   SOLE NONE 3,160 0 4,007
CHVRN CORP COM 166764100   498,981 2,780 SH   SOLE NONE 336 0 2,444
COCA COLA CO COM 191216100   384,076 6,038 SH   SOLE NONE 5,838 0 200
COSTCO WHSL CORP NEW COM 22160K105   216,381 474 SH   SOLE NONE 474 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   1,107,483 48,982 SH   SOLE NONE 48,982 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   238,579 10,742 SH   SOLE NONE 10,742 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   4,575,136 104,099 SH   SOLE NONE 104,099 0 0
EXXON MOBIL CORP COM 30231G102   280,051 2,539 SH   SOLE NONE 0 0 2,539
FNB CORP COM 302520101   237,483 18,198 SH   SOLE NONE 0 0 18,198
FIFTH THIRD BANCORP COM 316773100   188,263 5,738 SH   SOLE NONE 0 0 5,738
HOME DEPOT INC COM 437076102   241,632 765 SH   SOLE NONE 715 0 50
ISHARES TR RUS 1000 GRW ETF 464287614   420,766 1,964 SH   SOLE NONE 1,964 0 0
ISHARES TR CORE S&P TTL STK 464287150   585,543 6,905 SH   SOLE NONE 6,905 0 0
ISHARES NEW ISHARES GOLD TR 464285204   1,159,952 33,535 SH   SOLE NONE 27,724 0 5,811
ISHARES TR MSCI EAFE ETF 464287465   239,519 3,649 SH   SOLE NONE 3,649 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   296,378 7,820 SH   SOLE NONE 7,820 0 0
ISHARES TR MSCI KLD400 SOC 464288570   3,046,044 42,430 SH   SOLE NONE 39,024 0 3,406
ISHARES TR RUS 1000 ETF 464287622   201,677 958 SH   SOLE NONE 958 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   334,993 2,209 SH   SOLE NONE 2,209 0 0
ISHARES TR RUS 3000 ETF 464287689   514,846 2,333 SH   SOLE NONE 2,333 0 0
ISHARES TR CORE S&P 500 ETF 464287200   535,637 1,394 SH   SOLE NONE 1,394 0 0
ISHARES TR TIPS BD ETF 464287176   1,532,474 14,398 SH   SOLE NONE 12,801 0 1,597
LILIUM N V CLASS A ORD SHS N52586109   171,155 150,136 SH   SOLE NONE 0 0 150,136
MERCK & CO INC COM 58933Y105   352,708 3,179 SH   SOLE NONE 1,670 0 1,509
MERIDIANLINK INC COM 58985J105   1,112,815 81,050 SH   SOLE NONE 4,150 0 76,900
MICROCHIP TECHNOLOGY INC. COM 595017104   182,650 2,600 SH   SOLE NONE 2,600 0 0
MICROSOFT CORP COM 594918104   614,896 2,564 SH   SOLE NONE 1,572 0 992
PINNACLE FINL PARTNERS INC COM 72346q104   324,795 4,425 SH   SOLE NONE 200 0 4,225
PROCTER AND GAMBLE CO COM 742718109   267,654 1,766 SH   SOLE NONE 860 0 906
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   746,967 30,144 SH   SOLE NONE 30,144 0 0
SPDR SER TRST DJ REIT ETF 78464A607   783,913 8,995 SH   SOLE NONE 8,995 0 0
SPDR SER TR S&P DIVID ETF 78464A763   202,928 1,622 SH   SOLE NONE 1,622 0 0
STARBUCKS CORP COM 855244109   224,192 2,260 SH   SOLE NONE 2,260 0 0
VALLEY NATL BANCORP COM 919794107   379,721 33,574 SH   SOLE NONE 0 0 33,574
VGRD SPEC PORT DIV APP ETF 921908844   12,910,013 85,018 SH   SOLE NONE 85,018 0 0
VGRD TX MNGD FTSE DEV MKT ETF 921943858   284,261 6,773 SH   SOLE NONE 6,773 0 0
VGRD INTL EQ IDX SM CP VAL ETF 922908611   453,055 2,853 SH   SOLE NONE 2,067 0 786
VGRD IDX FDS LG CP ETF 922908637   10,048,710 57,685 SH   SOLE NONE 57,685 0 0
VGRD WRLD FD MEGA CP IDX 921910873   603,744 4,560 SH   SOLE NONE 4,560 0 0
VRGD IDX FDS MD CP ETF 922908629   3,943,846 19,351 SH   SOLE NONE 19,351 0 0
VGRD IDX FDS REAL ESTATE ETF 922908553   85,580,522 1,037,595 SH   SOLE NONE 931,344 0 106,251
VGRD IDX FDS S&P 500 ETF SHS 922908363   220,641 628 SH   SOLE NONE 0 0 628
VGRD IDX FDS SM CP ETF 922908751   1,059,214 5,771 SH   SOLE NONE 5,771 0 0
VGRD IDX FDS TOT STK MKT ETF 922908769   183,177,153 958,090 SH   SOLE NONE 782,243 0 175,847
VISA INC COM CL A 92826c839   241,416 1,162 SH   SOLE NONE 1,162 0 0
WALMART INC COM 931142103   283,580 2,000 SH   SOLE NONE 2,000 0 0