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
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   202,552 2,270 SH   SOLE   0 0 2,270
ALPHABET INC CAP STK CL C 02079K107   289,260 3,260 SH   SOLE   0 0 3,260
ALPHABET INC CAP STK CL A 02079K305   462,325 5,240 SH   SOLE   0 0 5,240
APPLE INC COM 037833100   1,355,300 10,431 SH   SOLE   0 0 10,431
ARAMARK COM 03852U106   324,626 7,853 SH   SOLE   0 0 7,853
BERKSHIRE HATHAWAY INC DEL CL A 084670108   2,343,555 5 SH   SOLE   0 0 5
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   445,125 1,441 SH   SOLE   0 0 1,441
CHEVRON CORP NEW COM 166764100   17,949 100 SH   SOLE   0 0 100
CITIGROUP INC COM NEW 172967424   11,308 250 SH   SOLE   0 0 250
DULUTH HLDGS INC COM CL B 26443V101   86,415 13,983 SH   SOLE   0 0 13,983
FEDEX CORP COM 31428X106   8,660 50 SH   SOLE   0 0 50
GENERAL MTRS CO COM 37045V100   14,802 440 SH   SOLE   0 0 440
HERSHEY CO COM 427866108   908,912 3,925 SH   SOLE   0 0 3,925
ISHARES TR CORE S&P TTL STK 464287150   251,522 2,966 SH   SOLE   0 0 2,966
ISHARES TR CORE S&P500 ETF 464287200   52,726,733 137,234 SH   SOLE   0 0 137,234
ISHARES TR CORE US AGGBD ET 464287226   824,136 8,497 SH   SOLE   0 0 8,497
ISHARES TR RUS MID CAP ETF 464287499   551,097 8,170 SH   SOLE   0 0 8,170
ISHARES TR CORE S&P MCP ETF 464287507   13,284,772 54,921 SH   SOLE   0 0 54,921
ISHARES TR RUS 1000 VAL ETF 464287598   230,963 1,523 SH   SOLE   0 0 1,523
ISHARES TR RUS 1000 GRW ETF 464287614   3,836,560 17,908 SH   SOLE   0 0 17,908
ISHARES TR RUS 2000 VAL ETF 464287630   297,170 2,143 SH   SOLE   0 0 2,143
ISHARES TR RUSSELL 2000 ETF 464287655   443,397 2,543 SH   SOLE   0 0 2,543
ISHARES TR CORE S&P US VLU 464287663   2,368,578 33,535 SH   SOLE   0 0 33,535
ISHARES TR CORE S&P US GWT 464287671   751,180 9,215 SH   SOLE   0 0 9,215
ISHARES TR S&P MC 400VL ETF 464287705   738,627 7,328 SH   SOLE   0 0 7,328
ISHARES TR CORE S&P SCP ETF 464287804   13,502,862 142,676 SH   SOLE   0 0 142,676
ISHARES TR SP SMCP600VL ETF 464287879   920,143 10,077 SH   SOLE   0 0 10,077
ISHARES SILVER TR ISHARES 46428Q109   256,951 11,669 SH   SOLE   0 0 11,669
ISHARES TR MSCI EAFE MIN VL 46429B689   1,016,662 15,989 SH   SOLE   0 0 15,989
ISHARES TR MSCI USA MIN VOL 46429B697   560,276 7,771 SH   SOLE   0 0 7,771
ISHARES TR CORE MSCI TOTAL 46432F834   413,913 7,151 SH   SOLE   0 0 7,151
ISHARES TR CORE MSCI EAFE 46432F842   21,504,153 348,867 SH   SOLE   0 0 348,867
ISHARES TR CORE 1 5 YR USD 46432F859   241,619 5,203 SH   SOLE   0 0 5,203
ISHARES INC CORE MSCI EMKT 46434G103   383,437 8,211 SH   SOLE   0 0 8,211
ISHARES TR BLACKROCK ULTRA 46434V878   661,403 13,217 SH   SOLE   0 0 13,217
ISHARES TR ESG AWR MSCI USA 46435G425   236,029 2,785 SH   SOLE   0 0 2,785
ISHARES TR ESG AW MSCI EAFE 46435G516   399,831 6,082 SH   SOLE   0 0 6,082
JPMORGAN CHASE & CO COM 46625H100   75,498 563 SH   SOLE   0 0 563
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   297,722 5,939 SH   SOLE   0 0 5,939
JOHNSON & JOHNSON COM 478160104   324,859 1,839 SH   SOLE   0 0 1,839
LIGHTWAVE LOGIC INC COM 532275104   172,400 40,000 SH   SOLE   0 0 40,000
LOCKHEED MARTIN CORP COM 539830109   269,029 553 SH   SOLE   0 0 553
MAGNA INTL INC COM 559222401   8,708 155 SH   SOLE   0 0 155
MICROSOFT CORP COM 594918104   209,123 872 SH   SOLE   0 0 872
PAYCHEX INC COM 704326107   526,954 4,560 SH   SOLE   0 0 4,560
PIMCO ETF TR ACTIVE BD ETF 72201R775   355,193 3,926 SH   SOLE   0 0 3,926
SPDR S&P 500 ETF TR TR UNIT 78462F103   409,200 1,070 SH   SOLE   0 0 1,070
SPDR SER TR S&P 600 SMCP GRW 78464A201   609,942 8,443 SH   SOLE   0 0 8,443
SPDR SER TR S&P 400 MDCP GRW 78464A821   466,789 7,144 SH   SOLE   0 0 7,144
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,085,345 158,120 SH   SOLE   0 0 158,120
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   17,672,425 391,416 SH   SOLE   0 0 391,416
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,426,947 25,683 SH   SOLE   0 0 25,683
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,392,652 36,241 SH   SOLE   0 0 36,241
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   6,529,281 99,517 SH   SOLE   0 0 99,517
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   6,353,140 156,829 SH   SOLE   0 0 156,829
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   468,237 19,782 SH   SOLE   0 0 19,782
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   6,129,259 81,139 SH   SOLE   0 0 81,139
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,860,629 119,858 SH   SOLE   0 0 119,858
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,794,462 39,309 SH   SOLE   0 0 39,309
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   336,344 6,972 SH   SOLE   0 0 6,972
SIMON PPTY GROUP INC NEW COM 828806109   220,745 1,879 SH   SOLE   0 0 1,879
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,491,785 9,824 SH   SOLE   0 0 9,824
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   508,326 12,112 SH   SOLE   0 0 12,112
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   236,114 2,182 SH   SOLE   0 0 2,182
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   218,136 2,531 SH   SOLE   0 0 2,531
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   255,982 6,567 SH   SOLE   0 0 6,567
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   419,774 8,482 SH   SOLE   0 0 8,482
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   995,483 2,833 SH   SOLE   0 0 2,833
VANGUARD INDEX FDS MID CAP ETF 922908629   686,191 3,367 SH   SOLE   0 0 3,367
VANGUARD INDEX FDS LARGE CAP ETF 922908637   832,125 4,777 SH   SOLE   0 0 4,777
VANGUARD INDEX FDS GROWTH ETF 922908736   285,730 1,341 SH   SOLE   0 0 1,341
VANGUARD INDEX FDS VALUE ETF 922908744   1,529,730 10,898 SH   SOLE   0 0 10,898
VANGUARD INDEX FDS SMALL CP ETF 922908751   859,697 4,684 SH   SOLE   0 0 4,684
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   12,417 1,227 SH   SOLE   0 0 1,227
LIBERTY GLOBAL PLC SHS CL C G5480U120   12,493 643 SH   SOLE   0 0 643
CHUBB LIMITED COM H1467J104   441,200 2,000 SH   SOLE   0 0 2,000