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 C 02079K107 313 3,260 SH   SOLE   0 0 3,260
ALPHABET INC CAP STK CL A 02079K305 501 5,240 SH   SOLE   0 0 5,240
AMAZON COM INC COM 023135106 228 2,021 SH   SOLE   0 0 2,021
APPLE INC COM 037833100 1,551 11,220 SH   SOLE   0 0 11,220
ARAMARK COM 03852U106 244 7,832 SH   SOLE   0 0 7,832
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,032 5 SH   SOLE   0 0 5
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 385 1,441 SH   SOLE   0 0 1,441
CHEVRON CORP NEW COM 166764100 14 100 SH   SOLE   0 0 100
CITIGROUP INC COM NEW 172967424 10 250 SH   SOLE   0 0 250
DULUTH HLDGS INC COM CL B 26443V101 98 13,983 SH   SOLE   0 0 13,983
FEDEX CORP COM 31428X106 7 50 SH   SOLE   0 0 50
FENNEC PHARMACEUTICALS INC COM 31447P100 324 40,000 SH   SOLE   0 0 40,000
GENERAL MTRS CO COM 37045V100 14 440 SH   SOLE   0 0 440
HERSHEY CO COM 427866108 875 3,968 SH   SOLE   0 0 3,968
HUMACYTE INC COM 44486Q103 36 11,000 SH   SOLE   0 0 11,000
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 267 10,846 SH   SOLE   0 0 10,846
ISHARES TR CORE S&P TTL STK 464287150 237 2,984 SH   SOLE   0 0 2,984
ISHARES TR CORE S&P500 ETF 464287200 52,505 146,396 SH   SOLE   0 0 146,396
ISHARES TR CORE US AGGBD ET 464287226 1,608 16,688 SH   SOLE   0 0 16,688
ISHARES TR RUS MID CAP ETF 464287499 503 8,089 SH   SOLE   0 0 8,089
ISHARES TR CORE S&P MCP ETF 464287507 13,237 60,373 SH   SOLE   0 0 60,373
ISHARES TR RUS 1000 VAL ETF 464287598 207 1,523 SH   SOLE   0 0 1,523
ISHARES TR RUS 1000 GRW ETF 464287614 3,752 17,835 SH   SOLE   0 0 17,835
ISHARES TR RUS 2000 VAL ETF 464287630 276 2,143 SH   SOLE   0 0 2,143
ISHARES TR RUSSELL 2000 ETF 464287655 419 2,543 SH   SOLE   0 0 2,543
ISHARES TR CORE S&P US VLU 464287663 2,453 39,171 SH   SOLE   0 0 39,171
ISHARES TR CORE S&P US GWT 464287671 661 8,246 SH   SOLE   0 0 8,246
ISHARES TR S&P MC 400VL ETF 464287705 657 7,297 SH   SOLE   0 0 7,297
ISHARES TR CORE S&P SCP ETF 464287804 13,194 151,325 SH   SOLE   0 0 151,325
ISHARES TR SP SMCP600VL ETF 464287879 828 10,041 SH   SOLE   0 0 10,041
ISHARES SILVER TR ISHARES 46428Q109 204 11,669 SH   SOLE   0 0 11,669
ISHARES TR MSCI EAFE MIN VL 46429B689 928 16,274 SH   SOLE   0 0 16,274
ISHARES TR MSCI USA MIN VOL 46429B697 511 7,734 SH   SOLE   0 0 7,734
ISHARES TR CORE MSCI TOTAL 46432F834 524 10,283 SH   SOLE   0 0 10,283
ISHARES TR CORE MSCI EAFE 46432F842 19,008 360,889 SH   SOLE   0 0 360,889
ISHARES TR CORE 1 5 YR USD 46432F859 561 12,163 SH   SOLE   0 0 12,163
ISHARES INC CORE MSCI EMKT 46434G103 811 18,880 SH   SOLE   0 0 18,880
ISHARES INC ESG AWR MSCI EM 46434G863 273 9,856 SH   SOLE   0 0 9,856
ISHARES TR BLACKROCK ULTRA 46434V878 664 13,277 SH   SOLE   0 0 13,277
ISHARES TR ESG AWR MSCI USA 46435G425 221 2,785 SH   SOLE   0 0 2,785
ISHARES TR ESG AW MSCI EAFE 46435G516 775 13,809 SH   SOLE   0 0 13,809
JPMORGAN CHASE & CO COM 46625H100 59 563 SH   SOLE   0 0 563
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 405 8,066 SH   SOLE   0 0 8,066
JOHNSON & JOHNSON COM 478160104 300 1,839 SH   SOLE   0 0 1,839
LENNAR CORP CL A 526057104 305 4,094 SH   SOLE   0 0 4,094
LIGHTWAVE LOGIC INC COM 532275104 308 42,000 SH   SOLE   0 0 42,000
LOCKHEED MARTIN CORP COM 539830109 214 553 SH   SOLE   0 0 553
LUMEN TECHNOLOGIES INC COM 550241103 25 3,500 SH   SOLE   0 0 3,500
MAGNA INTL INC COM 559222401 7 155 SH   SOLE   0 0 155
MICROSOFT CORP COM 594918104 213 916 SH   SOLE   0 0 916
PAYCHEX INC COM 704326107 512 4,560 SH   SOLE   0 0 4,560
PIMCO ETF TR ACTIVE BD ETF 72201R775 349 3,891 SH   SOLE   0 0 3,891
SPDR S&P 500 ETF TR TR UNIT 78462F103 413 1,157 SH   SOLE   0 0 1,157
SPDR SER TR S&P 600 SMCP GRW 78464A201 574 8,430 SH   SOLE   0 0 8,430
SPDR SER TR S&P 400 MDCP GRW 78464A821 431 7,144 SH   SOLE   0 0 7,144
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,694 159,428 SH   SOLE   0 0 159,428
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 14,919 352,270 SH   SOLE   0 0 352,270
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,810 32,438 SH   SOLE   0 0 32,438
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,460 42,046 SH   SOLE   0 0 42,046
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,195 85,825 SH   SOLE   0 0 85,825
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,330 140,997 SH   SOLE   0 0 140,997
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 856 38,204 SH   SOLE   0 0 38,204
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,537 68,304 SH   SOLE   0 0 68,304
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,095 110,027 SH   SOLE   0 0 110,027
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,663 36,711 SH   SOLE   0 0 36,711
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 253 5,245 SH   SOLE   0 0 5,245
TESLA INC COM 88160R101 178 672 SH   SOLE   0 0 672
THE REALREAL INC COM 88339P101 45 30,000 SH   SOLE   0 0 30,000
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,348 9,977 SH   SOLE   0 0 9,977
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,304 35,868 SH   SOLE   0 0 35,868
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 200 2,538 SH   SOLE   0 0 2,538
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 221 6,047 SH   SOLE   0 0 6,047
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 925 2,819 SH   SOLE   0 0 2,819
VANGUARD INDEX FDS MID CAP ETF 922908629 844 4,488 SH   SOLE   0 0 4,488
VANGUARD INDEX FDS LARGE CAP ETF 922908637 778 4,754 SH   SOLE   0 0 4,754
VANGUARD INDEX FDS GROWTH ETF 922908736 524 2,447 SH   SOLE   0 0 2,447
VANGUARD INDEX FDS VALUE ETF 922908744 1,336 10,818 SH   SOLE   0 0 10,818
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,058 6,193 SH   SOLE   0 0 6,193
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 14 1,227 SH   SOLE   0 0 1,227
LIBERTY GLOBAL PLC SHS CL C G5480U120 11 643 SH   SOLE   0 0 643
CHUBB LIMITED COM H1467J104 364 2,000 SH   SOLE   0 0 2,000