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
Estimated average burden
hours per response: 23.8
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
ALPHABET INC CAP STK CL A 02079K305 159 77 SH   SOLE   0 0 77
AMAZON COM INC COM 023135106 189 61 SH   SOLE   0 0 61
APPLE INC COM 037833100 1,302 10,662 SH   SOLE   0 0 10,662
ARAMARK COM 03852U106 468 12,375 SH   SOLE   0 0 12,375
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,929 5 SH   SOLE   0 0 5
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 337 1,319 SH   SOLE   0 0 1,319
CITIGROUP INC COM NEW 172967424 17 235 SH   SOLE   0 0 235
DISNEY WALT CO COM 254687106 297 1,609 SH   SOLE   0 0 1,609
DULUTH HLDGS INC COM CL B 26443V101 373 22,036 SH   SOLE   0 0 22,036
FENNEC PHARMACEUTICALS INC COM 31447P100 248 40,000 SH   SOLE   0 0 40,000
GENERAL MTRS CO COM 37045V100 25 440 SH   SOLE   0 0 440
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 289 2,038 SH   SOLE   0 0 2,038
ISHARES TR CORE S&P TTL STK 464287150 490 5,347 SH   SOLE   0 0 5,347
ISHARES TR CORE S&P500 ETF 464287200 34,947 87,846 SH   SOLE   0 0 87,846
ISHARES TR CORE US AGGBD ET 464287226 3,153 27,696 SH   SOLE   0 0 27,696
ISHARES TR RUS MID CAP ETF 464287499 492 6,658 SH   SOLE   0 0 6,658
ISHARES TR CORE S&P MCP ETF 464287507 9,094 34,941 SH   SOLE   0 0 34,941
ISHARES TR RUS 1000 GRW ETF 464287614 3,706 15,249 SH   SOLE   0 0 15,249
ISHARES TR RUS 1000 ETF 464287622 201 900 SH   SOLE   0 0 900
ISHARES TR RUS 2000 VAL ETF 464287630 342 2,143 SH   SOLE   0 0 2,143
ISHARES TR RUSSELL 2000 ETF 464287655 309 1,400 SH   SOLE   0 0 1,400
ISHARES TR CORE S&P US VLU 464287663 2,701 39,208 SH   SOLE   0 0 39,208
ISHARES TR CORE S&P US GWT 464287671 644 7,089 SH   SOLE   0 0 7,089
ISHARES TR S&P MC 400VL ETF 464287705 557 5,468 SH   SOLE   0 0 5,468
ISHARES TR CORE S&P SCP ETF 464287804 9,623 88,665 SH   SOLE   0 0 88,665
ISHARES TR SP SMCP600VL ETF 464287879 959 9,520 SH   SOLE   0 0 9,520
ISHARES TR CORE HIGH DV ETF 46429B663 283 2,987 SH   SOLE   0 0 2,987
ISHARES TR MSCI EAFE MIN VL 46429B689 1,113 15,254 SH   SOLE   0 0 15,254
ISHARES TR CORE MSCI TOTAL 46432F834 451 6,420 SH   SOLE   0 0 6,420
ISHARES TR CORE MSCI EAFE 46432F842 15,235 211,454 SH   SOLE   0 0 211,454
ISHARES TR CORE 1 5 YR USD 46432F859 897 17,497 SH   SOLE   0 0 17,497
ISHARES INC CORE MSCI EMKT 46434G103 1,013 15,735 SH   SOLE   0 0 15,735
ISHARES TR BLACKROCK ULTRA 46434V878 2,203 43,607 SH   SOLE   0 0 43,607
JPMORGAN CHASE & CO COM 46625H100 69 451 SH   SOLE   0 0 451
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,142 22,501 SH   SOLE   0 0 22,501
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 644 12,830 SH   SOLE   0 0 12,830
JOHNSON & JOHNSON COM 478160104 376 2,289 SH   SOLE   0 0 2,289
MAGNA INTL INC COM 559222401 14 155 SH   SOLE   0 0 155
MICROSOFT CORP COM 594918104 175 743 SH   SOLE   0 0 743
NEWMONT CORP COM 651639106 265 4,400 SH   SOLE   0 0 4,400
PIMCO ETF TR ACTIVE BD ETF 72201R775 419 3,825 SH   SOLE   0 0 3,825
SPDR S&P 500 ETF TR TR UNIT 78462F103 459 1,157 SH   SOLE   0 0 1,157
SPDR SER TR S&P 600 SMCP GRW 78464A201 566 6,594 SH   SOLE   0 0 6,594
SPDR SER TR S&P 400 MDCP GRW 78464A821 537 7,144 SH   SOLE   0 0 7,144
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,685 58,785 SH   SOLE   0 0 58,785
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 11,418 118,902 SH   SOLE   0 0 118,902
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 813 6,267 SH   SOLE   0 0 6,267
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,308 35,351 SH   SOLE   0 0 35,351
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,132 68,957 SH   SOLE   0 0 68,957
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,160 31,704 SH   SOLE   0 0 31,704
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 700 22,032 SH   SOLE   0 0 22,032
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,258 30,969 SH   SOLE   0 0 30,969
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,621 69,670 SH   SOLE   0 0 69,670
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,875 53,288 SH   SOLE   0 0 53,288
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,154 7,843 SH   SOLE   0 0 7,843
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,838 22,362 SH   SOLE   0 0 22,362
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,026 20,883 SH   SOLE   0 0 20,883
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 251 2,577 SH   SOLE   0 0 2,577
VANGUARD WORLD FDS INF TECH ETF 92204A702 745 2,079 SH   SOLE   0 0 2,079
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 306 839 SH   SOLE   0 0 839
VANGUARD INDEX FDS MID CAP ETF 922908629 701 3,165 SH   SOLE   0 0 3,165
VANGUARD INDEX FDS LARGE CAP ETF 922908637 553 2,985 SH   SOLE   0 0 2,985
VANGUARD INDEX FDS GROWTH ETF 922908736 904 3,516 SH   SOLE   0 0 3,516
VANGUARD INDEX FDS VALUE ETF 922908744 1,492 11,353 SH   SOLE   0 0 11,353
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,010 4,718 SH   SOLE   0 0 4,718
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 17 918 SH   SOLE   0 0 918
LIBERTY GLOBAL PLC SHS CL C G5480U120 16 643 SH   SOLE   0 0 643
CHUBB LIMITED COM H1467J104 316 2,000 SH   SOLE   0 0 2,000