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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 ETFS BBRG ALL COMMDY 003261203 BBG00G9CGXD4 667,235 21,297 SH   SOLE   21,297 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 780,863 4,125 SH   SOLE   4,125 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 236,132 1,240 SH   SOLE   1,240 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,203,354 5,485 SH   SOLE   5,485 0 0
ANDERSONS INC COM 034164103 BBG001S60FJ9 205,680 5,076 SH   SOLE   5,076 0 0
APOGEE ENTERPRISES INC COM 037598109 BBG001S5NSY1 301,707 4,225 SH   SOLE   4,225 0 0
APPLE INC COM 037833100 BBG001S5N8V8 2,448,763 9,779 SH   SOLE   9,779 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 301,816 13,255 SH   SOLE   13,255 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 456,906 1,008 SH   SOLE   1,008 0 0
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 BBG00NNWBWQ2 1,257,978 24,546 SH   SOLE   24,546 0 0
BRADY CORP CL A 104674106 BBG001S5PCB9 255,595 3,461 SH   SOLE   3,461 0 0
CENTERRA GOLD INC COM 152006102 BBG001SLVFY5 88,821 15,610 SH   SOLE   15,610 0 0
CIRRUS LOGIC INC COM 172755100 BBG001S67J86 225,449 2,264 SH   SOLE   2,264 0 0
COLLEGIUM PHARMACEUTICAL INC COM 19459J104 BBG001T535S9 246,018 8,587 SH   SOLE   8,587 0 0
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682 BBG01B92W7S9 370,408 11,180 SH   SOLE   11,180 0 0
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 BBG01B92VTS2 249,463 7,594 SH   SOLE   7,594 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 BBG00Y2JG0C0 623,546 15,400 SH   SOLE   15,400 0 0
DROPBOX INC CL A 26210C104 BBG001TFLWN3 227,042 7,558 SH   SOLE   7,558 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 BBG01BBK3R95 3,868,843 35,082 SH   SOLE   35,082 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 BBG005FHWBL1 621,751 3,363 SH   SOLE   3,363 0 0
G III APPAREL GROUP LTD COM 36237H101 BBG001S6F0Z8 392,060 12,019 SH   SOLE   12,019 0 0
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 1,620,693 83,070 SH   SOLE   83,070 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 2,407,173 24,091 SH   SOLE   24,091 0 0
GRANITESHARES ETF TR HIPS US HIGH INC 38747R306 BBG007V9C3Z2 206,289 16,052 SH   SOLE   16,052 0 0
HCA HEALTHCARE INC COM 40412C101 BBG001T8NTY2 271,636 905 SH   SOLE   905 0 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109 BBG0078W3NP4 319,972 14,987 SH   SOLE   14,987 0 0
HP INC COM 40434L105 BBG001S6W7N7 407,581 12,491 SH   SOLE   12,491 0 0
INGREDION INC COM 457187102 BBG001SBH4X9 412,131 2,996 SH   SOLE   2,996 0 0
INTERDIGITAL INC COM 45867G101 BBG001S8DV79 515,101 2,659 SH   SOLE   2,659 0 0
INTUIT COM 461202103 BBG001S6TWR2 232,545 370 SH   SOLE   370 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 595,556 1,141 SH   SOLE   1,141 0 0
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 BBG00B59HSJ0 300,062 3,158 SH   SOLE   3,158 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,070,430 2,094 SH   SOLE   2,094 0 0
ISHARES GOLD TR SHARES REPRESENT 46436F103 BBG011K3SP01 261,805 10,004 SH   SOLE   10,004 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 351,757 6,736 SH   SOLE   6,736 0 0
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 1,675,661 37,050 SH   SOLE   37,050 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 727,545 21,789 SH   SOLE   21,789 0 0
ISHARES INC JP MORGAN EM ETF 464286517 BBG0025X4J38 1,022,657 28,337 SH   SOLE   28,337 0 0
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 2,570,677 44,330 SH   SOLE   44,330 0 0
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 1,293,371 23,325 SH   SOLE   23,325 0 0
ISHARES INC MSCI GBL GOLD MN 46434G855 BBG002GKR7K6 1,915,106 68,129 SH   SOLE   68,129 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 617,139 6,135 SH   SOLE   6,135 0 0
ISHARES TR 10+ YR INVST GRD 464289511 BBG001T5MKD1 266,475 5,394 SH   SOLE   5,394 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 606,000 6,088 SH   SOLE   6,088 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 1,771,155 30,921 SH   SOLE   30,921 0 0
ISHARES TR CONV BD ETF 46435G102 BBG009BKDMM6 279,551 3,290 SH   SOLE   3,290 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,965,248 27,963 SH   SOLE   27,963 0 0
ISHARES TR CORE MSCI INTL 46435G326 BBG00G9DM0M7 696,368 10,801 SH   SOLE   10,801 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 988,335 7,684 SH   SOLE   7,684 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 4,040,597 6,864 SH   SOLE   6,864 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 1,036,346 22,928 SH   SOLE   22,928 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 841,357 8,683 SH   SOLE   8,683 0 0
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 715,226 7,386 SH   SOLE   7,386 0 0
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 973,240 18,549 SH   SOLE   18,549 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 1,759,725 23,112 SH   SOLE   23,112 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 5,681,917 44,107 SH   SOLE   44,107 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 BBG00H4BFM35 302,849 12,261 SH   SOLE   12,261 0 0
ISHARES TR ESG SCRND S&P500 46436E569 BBG00XDJC7F6 392,183 8,658 SH   SOLE   8,658 0 0
ISHARES TR INTERNATIONAL SL 46434V266 BBG008LP7B65 3,789,575 117,397 SH   SOLE   117,397 0 0
ISHARES TR INTL EQTY FACTOR 46434V274 BBG008LPBS09 696,132 24,238 SH   SOLE   24,238 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 4,716,908 91,236 SH   SOLE   91,236 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 1,878,662 20,492 SH   SOLE   20,492 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 556,067 7,864 SH   SOLE   7,864 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 BBG007WGK4B0 2,270,375 60,705 SH   SOLE   60,705 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 BBG009DR6401 3,055,445 112,705 SH   SOLE   112,705 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 4,703,858 52,977 SH   SOLE   52,977 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 3,878,023 18,742 SH   SOLE   18,742 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 3,182,133 17,869 SH   SOLE   17,869 0 0
ISHARES TR MSCI USA VALUE 46432F388 BBG004FPWGT7 413,041 3,911 SH   SOLE   3,911 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 428,970 4,026 SH   SOLE   4,026 0 0
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 701,328 2,428 SH   SOLE   2,428 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 2,130,287 20,982 SH   SOLE   20,982 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 922,739 8,748 SH   SOLE   8,748 0 0
ISHARES TR TRS FLT RT BD 46434V860 BBG005YTNMS3 357,529 7,084 SH   SOLE   7,084 0 0
ISHARES TR U S EQUITY FACTR 46434V282 BBG008LNYFB5 1,841,536 30,514 SH   SOLE   30,514 0 0
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 1,032,892 6,475 SH   SOLE   6,475 0 0
ISHARES TR ULTRA SHORT-TERM 46434V878 BBG005PCDCZ5 4,652,669 92,260 SH   SOLE   92,260 0 0
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 795,981 34,638 SH   SOLE   34,638 0 0
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308 BBG007VDWC09 4,261,989 82,147 SH   SOLE   82,147 0 0
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209 BBG007H0QWC3 412,223 7,696 SH   SOLE   7,696 0 0
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407 BBG00B3QWPR4 1,419,346 12,438 SH   SOLE   12,438 0 0
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779 BBG00J5DRY91 291,888 5,009 SH   SOLE   5,009 0 0
KROGER CO COM 501044101 BBG001S5SN40 354,731 5,801 SH   SOLE   5,801 0 0
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827 BBG00P35J8L8 1,282,389 49,021 SH   SOLE   49,021 0 0
MATSON INC COM 57686G105 BBG001S5NL21 266,714 1,978 SH   SOLE   1,978 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 227,763 389 SH   SOLE   389 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,105,595 2,623 SH   SOLE   2,623 0 0
NEW YORK LIFE INVESTMENTS ET NYLI MERGER ARBI 45409B800 BBG001S6VS16 460,748 13,979 SH   SOLE   13,979 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 BBG00FJ5GY57 202,239 2,356 SH   SOLE   2,356 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 BBG00FJ5HBJ1 218,622 5,553 SH   SOLE   5,553 0 0
NUVEEN CA QUALTY MUN INCOME COM 67066Y105 BBG001SCTG12 411,227 36,424 SH   SOLE   36,424 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,451,675 10,810 SH   SOLE   10,810 0 0
PILGRIMS PRIDE CORP COM 72147K108 BBG001S5PSN1 420,311 9,260 SH   SOLE   9,260 0 0
PIMCO EQUITY SER RAFI ESG US 72201T342 BBG00QQF57H1 384,592 10,580 SH   SOLE   10,580 0 0
RALPH LAUREN CORP CL A 751212101 BBG001S9TL45 244,377 1,058 SH   SOLE   1,058 0 0
SCANSOURCE INC COM 806037107 BBG001S7S0W5 283,798 5,981 SH   SOLE   5,981 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 528,818 19,858 SH   SOLE   19,858 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 BBG0051QPC87 7,413,278 255,190 SH   SOLE   255,190 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 BBG0051K49J8 5,843,840 175,966 SH   SOLE   175,966 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 BBG0051QD594 845,165 24,756 SH   SOLE   24,756 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 BBG0051J0PJ9 9,377,199 395,997 SH   SOLE   395,997 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 BBG0051NXNX3 332,843 11,207 SH   SOLE   11,207 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 5,259,386 284,291 SH   SOLE   284,291 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 317,073 13,054 SH   SOLE   13,054 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 390,474 16,229 SH   SOLE   16,229 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 360,156 15,866 SH   SOLE   15,866 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 8,790,023 387,226 SH   SOLE   387,226 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 1,610,153 58,937 SH   SOLE   58,937 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 1,949,931 69,965 SH   SOLE   69,965 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 3,296,671 142,220 SH   SOLE   142,220 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 1,939,383 75,083 SH   SOLE   75,083 0 0
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 355,038 5,667 SH   SOLE   5,667 0 0
SYLVAMO CORP COMMON STOCK 871332102 BBG0122M8040 296,483 3,752 SH   SOLE   3,752 0 0
TIDAL TR II RETURN STCKD US 88636J816 BBG01J6BBJT1 1,331,684 55,719 SH   SOLE   55,719 0 0
TRANSALTA CORP COM 89346D107 BBG001S5WJZ0 184,049 13,007 SH   SOLE   13,007 0 0
UBS AG LONDON BRANCH ETRACS UBS BLOOM 90274D390 BBG00B59KD90 2,881,554 113,783 SH   SOLE   113,783 0 0
UNIVERSAL HLTH SVCS INC CL B 913903100 BBG001S6S976 293,890 1,638 SH   SOLE   1,638 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 BBG001T9BPT7 3,065,219 132,636 SH   SOLE   132,636 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 271,960 5,481 SH   SOLE   5,481 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,097,165 2,673 SH   SOLE   2,673 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 260,846 1,316 SH   SOLE   1,316 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 6,356,215 21,932 SH   SOLE   21,932 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 340,063 2,009 SH   SOLE   2,009 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,015,933 23,068 SH   SOLE   23,068 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 223,329 1,901 SH   SOLE   1,901 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 267,945 5,345 SH   SOLE   5,345 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 2,231,793 40,321 SH   SOLE   40,321 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 358,859 1,833 SH   SOLE   1,833 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 5,899,535 123,370 SH   SOLE   123,370 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 BBG001SV5CV2 873,941 12,905 SH   SOLE   12,905 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 1,161,588 5,462 SH   SOLE   5,462 0 0
WESTERN ASST INFLTN LKD INM COM SH BEN INT 95766Q106 BBG001SBSMH5 1,409,286 176,161 SH   SOLE   176,161 0 0
WISDOMTREE TR US EFFICIENT COR 97717Y790 BBG00LLPH6R3 2,646,158 56,675 SH   SOLE   56,675 0 0
YELP INC CL A 985817105 BBG001T6C2W9 350,622 9,060 SH   SOLE   9,060 0 0