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   233,765 2,270 SH   SOLE   0 0 2,270
ADVANCED MICRO DEVICES INC COM 007903107   210,873 1,300 SH   SOLE   0 0 1,300
ALPHABET INC CAP STK CL C 02079K107   762,660 4,158 SH   SOLE   0 0 4,158
ALPHABET INC CAP STK CL A 02079K305   1,020,040 5,600 SH   SOLE   0 0 5,600
AMAZON COM INC COM 023135106   577,431 2,988 SH   SOLE   0 0 2,988
APPLE INC COM 037833100   1,896,001 9,002 SH   SOLE   0 0 9,002
BERKSHIRE HATHAWAY INC DEL CL A 084670108   3,061,205 5 SH   SOLE   0 0 5
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   390,935 961 SH   SOLE   0 0 961
CHEVRON CORP NEW COM 166764100   28,156 180 SH   SOLE   0 0 180
CITIGROUP INC COM NEW 172967424   14,723 232 SH   SOLE   0 0 232
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,210,374 68,560 SH   SOLE   0 0 68,560
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,019,495 40,106 SH   SOLE   0 0 40,106
DULUTH HLDGS INC COM CL B 26443V101   51,597 13,983 SH   SOLE   0 0 13,983
META PLATFORMS INC CL A 30303M102   252,110 500 SH   SOLE   0 0 500
FEDEX CORP COM 31428X106   14,992 50 SH   SOLE   0 0 50
GENERAL MTRS CO COM 37045V100   21,604 465 SH   SOLE   0 0 465
HERSHEY CO COM 427866108   707,746 3,850 SH   SOLE   0 0 3,850
INVESCO QQQ TR UNIT SER 1 46090E103   277,026 578 SH   SOLE   0 0 578
ISHARES TR CORE S&P500 ETF 464287200   93,817,065 171,440 SH   SOLE   0 0 171,440
ISHARES TR CORE US AGGBD ET 464287226   773,551 7,969 SH   SOLE   0 0 7,969
ISHARES TR RUS MID CAP ETF 464287499   501,931 6,191 SH   SOLE   0 0 6,191
ISHARES TR CORE S&P MCP ETF 464287507   17,519,774 299,381 SH   SOLE   0 0 299,381
ISHARES TR RUS 1000 GRW ETF 464287614   4,487,163 12,310 SH   SOLE   0 0 12,310
ISHARES TR RUS 1000 ETF 464287622   267,786 900 SH   SOLE   0 0 900
ISHARES TR RUS 2000 VAL ETF 464287630   336,462 2,209 SH   SOLE   0 0 2,209
ISHARES TR RUSSELL 2000 ETF 464287655   287,292 1,416 SH   SOLE   0 0 1,416
ISHARES TR CORE S&P US VLU 464287663   2,193,254 24,887 SH   SOLE   0 0 24,887
ISHARES TR CORE S&P US GWT 464287671   1,515,160 11,885 SH   SOLE   0 0 11,885
ISHARES TR S&P MC 400VL ETF 464287705   617,496 5,442 SH   SOLE   0 0 5,442
ISHARES TR CORE S&P SCP ETF 464287804   16,956,964 158,981 SH   SOLE   0 0 158,981
ISHARES TR SP SMCP600VL ETF 464287879   667,983 6,867 SH   SOLE   0 0 6,867
ISHARES TR MSCI EAFE MIN VL 46429B689   913,089 13,165 SH   SOLE   0 0 13,165
ISHARES TR MSCI USA MIN VOL 46429B697   642,754 7,655 SH   SOLE   0 0 7,655
ISHARES TR CORE MSCI EAFE 46432F842   30,859,105 424,822 SH   SOLE   0 0 424,822
ISHARES TR CORE 1 5 YR USD 46432F859   235,062 4,962 SH   SOLE   0 0 4,962
ISHARES INC CORE MSCI EMKT 46434G103   508,095 9,492 SH   SOLE   0 0 9,492
ISHARES TR IBONDS DEC25 ETF 46434VBD1   360,027 14,482 SH   SOLE   0 0 14,482
ISHARES TR IBONDS DEC24 ETF 46434VBG4   360,609 14,350 SH   SOLE   0 0 14,350
ISHARES TR IBONDS DEC2026 46435GAA0   359,236 15,081 SH   SOLE   0 0 15,081
ISHARES TR IBDS DEC28 ETF 46435U515   359,496 14,513 SH   SOLE   0 0 14,513
ISHARES TR IBONDS 27 ETF 46435UAA9   359,214 15,138 SH   SOLE   0 0 15,138
JPMORGAN CHASE & CO. COM 46625H100   113,872 563 SH   SOLE   0 0 563
JOHNSON & JOHNSON COM 478160104   84,188 576 SH   SOLE   0 0 576
LIGHTWAVE LOGIC INC COM 532275104   119,600 40,000 SH   SOLE   0 0 40,000
LOCKHEED MARTIN CORP COM 539830109   283,063 606 SH   SOLE   0 0 606
MAGNA INTL INC COM 559222401   6,495 155 SH   SOLE   0 0 155
MICROSOFT CORP COM 594918104   595,337 1,332 SH   SOLE   0 0 1,332
NVIDIA CORPORATION COM 67066G104   615,229 4,980 SH   SOLE   0 0 4,980
PAYCHEX INC COM 704326107   540,634 4,560 SH   SOLE   0 0 4,560
PFIZER INC COM 717081103   168,915 6,037 SH   SOLE   0 0 6,037
PIMCO ETF TR ACTIVE BD ETF 72201R775   369,854 4,061 SH   SOLE   0 0 4,061
QUALCOMM INC COM 747525103   260,926 1,310 SH   SOLE   0 0 1,310
SPDR S&P 500 ETF TR TR UNIT 78462F103   349,933 643 SH   SOLE   0 0 643
SPDR SER TR S&P 600 SMCP GRW 78464A201   363,136 4,229 SH   SOLE   0 0 4,229
SPDR SER TR S&P 400 MDCP GRW 78464A821   507,050 6,032 SH   SOLE   0 0 6,032
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   8,348,538 132,790 SH   SOLE   0 0 132,790
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   21,506,836 334,737 SH   SOLE   0 0 334,737
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,723,945 17,096 SH   SOLE   0 0 17,096
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,406,232 32,482 SH   SOLE   0 0 32,482
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   6,866,933 88,230 SH   SOLE   0 0 88,230
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   6,613,482 139,378 SH   SOLE   0 0 139,378
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   528,261 19,889 SH   SOLE   0 0 19,889
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   5,111,076 65,729 SH   SOLE   0 0 65,729
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,135,220 133,660 SH   SOLE   0 0 133,660
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,911,187 41,930 SH   SOLE   0 0 41,930
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   897,866 18,655 SH   SOLE   0 0 18,655
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,894,350 10,377 SH   SOLE   0 0 10,377
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   500,092 10,119 SH   SOLE   0 0 10,119
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   535,145 4,512 SH   SOLE   0 0 4,512
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   285,449 2,534 SH   SOLE   0 0 2,534
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   418,307 9,559 SH   SOLE   0 0 9,559
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   425,033 8,482 SH   SOLE   0 0 8,482
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,438,317 2,876 SH   SOLE   0 0 2,876
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   216,192 942 SH   SOLE   0 0 942
VANGUARD INDEX FDS SML CP GRW ETF 922908595   421,372 1,685 SH   SOLE   0 0 1,685
VANGUARD INDEX FDS MID CAP ETF 922908629   640,007 2,644 SH   SOLE   0 0 2,644
VANGUARD INDEX FDS LARGE CAP ETF 922908637   881,228 3,530 SH   SOLE   0 0 3,530
VANGUARD INDEX FDS GROWTH ETF 922908736   487,312 1,303 SH   SOLE   0 0 1,303
VANGUARD INDEX FDS VALUE ETF 922908744   1,680,476 10,476 SH   SOLE   0 0 10,476
VANGUARD INDEX FDS SMALL CP ETF 922908751   809,392 3,712 SH   SOLE   0 0 3,712
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   3,317 374 SH   SOLE   0 0 374
LIBERTY GLOBAL LTD COM CL C G61188127   11,478 643 SH   SOLE   0 0 643
CHUBB LIMITED COM H1467J104   510,160 2,000 SH   SOLE   0 0 2,000