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
ALPHABET INC CAP STK CL C 02079K107   394,362 3,260 SH   SOLE   0 0 3,260
ALPHABET INC CAP STK CL A 02079K305   627,228 5,240 SH   SOLE   0 0 5,240
AMAZON COM INC COM 023135106   216,398 1,660 SH   SOLE   0 0 1,660
APPLE INC COM 037833100   2,026,599 10,448 SH   SOLE   0 0 10,448
BERKSHIRE HATHAWAY INC DEL CL A 084670108   2,589,050 5 SH   SOLE   0 0 5
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   226,083 663 SH   SOLE   0 0 663
CHEVRON CORP NEW COM 166764100   15,735 100 SH   SOLE   0 0 100
CITIGROUP INC COM NEW 172967424   10,635 231 SH   SOLE   0 0 231
DULUTH HLDGS INC COM CL B 26443V101   87,813 13,983 SH   SOLE   0 0 13,983
META PLATFORMS INC CL A 30303M102   120,819 421 SH   SOLE   0 0 421
FEDEX CORP COM 31428X106   12,395 50 SH   SOLE   0 0 50
GENERAL MTRS CO COM 37045V100   17,930 465 SH   SOLE   0 0 465
HERSHEY CO COM 427866108   975,079 3,905 SH   SOLE   0 0 3,905
ISHARES GOLD TR ISHARES NEW 464285204   208,224 5,722 SH   SOLE   0 0 5,722
ISHARES TR CORE S&P TTL STK 464287150   292,084 2,985 SH   SOLE   0 0 2,985
ISHARES TR CORE S&P500 ETF 464287200   61,143,660 137,183 SH   SOLE   0 0 137,183
ISHARES TR CORE US AGGBD ET 464287226   729,179 7,444 SH   SOLE   0 0 7,444
ISHARES TR RUS MID CAP ETF 464287499   600,475 8,222 SH   SOLE   0 0 8,222
ISHARES TR CORE S&P MCP ETF 464287507   12,873,181 49,232 SH   SOLE   0 0 49,232
ISHARES TR RUS 1000 GRW ETF 464287614   4,452,417 16,180 SH   SOLE   0 0 16,180
ISHARES TR RUS 2000 VAL ETF 464287630   304,662 2,164 SH   SOLE   0 0 2,164
ISHARES TR RUSSELL 2000 ETF 464287655   214,050 1,143 SH   SOLE   0 0 1,143
ISHARES TR CORE S&P US VLU 464287663   2,632,358 33,636 SH   SOLE   0 0 33,636
ISHARES TR CORE S&P US GWT 464287671   1,220,464 14,500 SH   SOLE   0 0 14,500
ISHARES TR S&P MC 400VL ETF 464287705   822,216 7,675 SH   SOLE   0 0 7,675
ISHARES TR CORE S&P SCP ETF 464287804   12,980,623 130,262 SH   SOLE   0 0 130,262
ISHARES TR SP SMCP600VL ETF 464287879   972,322 10,225 SH   SOLE   0 0 10,225
ISHARES TR MSCI EAFE MIN VL 46429B689   913,068 13,527 SH   SOLE   0 0 13,527
ISHARES TR MSCI USA MIN VOL 46429B697   569,644 7,664 SH   SOLE   0 0 7,664
ISHARES TR CORE MSCI TOTAL 46432F834   307,599 4,912 SH   SOLE   0 0 4,912
ISHARES TR CORE MSCI EAFE 46432F842   20,810,370 308,302 SH   SOLE   0 0 308,302
ISHARES INC CORE MSCI EMKT 46434G103   303,709 6,162 SH   SOLE   0 0 6,162
ISHARES INC ESG AWR MSCI EM 46434G863   950,671 30,056 SH   SOLE   0 0 30,056
ISHARES TR BLACKROCK ULTRA 46434V878   656,719 13,056 SH   SOLE   0 0 13,056
ISHARES TR ESG AW MSCI EAFE 46435G516   2,068,149 28,358 SH   SOLE   0 0 28,358
JPMORGAN CHASE & CO COM 46625H100   81,883 563 SH   SOLE   0 0 563
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   297,781 5,939 SH   SOLE   0 0 5,939
JOHNSON & JOHNSON COM 478160104   95,340 576 SH   SOLE   0 0 576
MAGNA INTL INC COM 559222401   8,748 155 SH   SOLE   0 0 155
MICROSOFT CORP COM 594918104   163,459 480 SH   SOLE   0 0 480
PIMCO ETF TR ACTIVE BD ETF 72201R775   355,520 3,880 SH   SOLE   0 0 3,880
SPDR S&P 500 ETF TR TR UNIT 78462F103   466,774 1,053 SH   SOLE   0 0 1,053
SPDR SER TR S&P 600 SMCP GRW 78464A201   651,082 8,460 SH   SOLE   0 0 8,460
SPDR SER TR S&P 400 MDCP GRW 78464A821   511,868 7,144 SH   SOLE   0 0 7,144
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,938,924 153,558 SH   SOLE   0 0 153,558
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   20,677,584 394,836 SH   SOLE   0 0 394,836
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,887,043 25,177 SH   SOLE   0 0 25,177
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,442,330 36,404 SH   SOLE   0 0 36,404
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   6,876,042 96,805 SH   SOLE   0 0 96,805
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   6,520,415 148,868 SH   SOLE   0 0 148,868
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   428,117 17,382 SH   SOLE   0 0 17,382
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   5,832,316 80,313 SH   SOLE   0 0 80,313
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,362,794 122,379 SH   SOLE   0 0 122,379
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,796,360 38,916 SH   SOLE   0 0 38,916
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   415,491 8,645 SH   SOLE   0 0 8,645
SIMON PPTY GROUP INC NEW COM 828806109   216,987 1,879 SH   SOLE   0 0 1,879
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,491,030 9,180 SH   SOLE   0 0 9,180
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   295,383 6,396 SH   SOLE   0 0 6,396
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   231,445 2,182 SH   SOLE   0 0 2,182
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   245,773 2,534 SH   SOLE   0 0 2,534
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   425,966 8,482 SH   SOLE   0 0 8,482
VANGUARD INDEX FDS SML CP GRW ETF 922908595   381,213 1,659 SH   SOLE   0 0 1,659
VANGUARD INDEX FDS MID CAP ETF 922908629   742,354 3,372 SH   SOLE   0 0 3,372
VANGUARD INDEX FDS LARGE CAP ETF 922908637   975,728 4,813 SH   SOLE   0 0 4,813
VANGUARD INDEX FDS GROWTH ETF 922908736   379,832 1,342 SH   SOLE   0 0 1,342
VANGUARD INDEX FDS VALUE ETF 922908744   1,464,295 10,305 SH   SOLE   0 0 10,305
VANGUARD INDEX FDS SMALL CP ETF 922908751   855,675 4,302 SH   SOLE   0 0 4,302
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   11,595 1,227 SH   SOLE   0 0 1,227
LIBERTY GLOBAL PLC SHS CL C G5480U120   11,426 643 SH   SOLE   0 0 643
CHUBB LIMITED COM H1467J104   385,120 2,000 SH   SOLE   0 0 2,000