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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   257,168 2,270 SH   SOLE   0 0 2,270
ALPHABET INC CAP STK CL C 02079K107   698,854 4,180 SH   SOLE   0 0 4,180
ALPHABET INC CAP STK CL A 02079K305   943,687 5,690 SH   SOLE   0 0 5,690
AMAZON COM INC COM 023135106   573,524 3,078 SH   SOLE   0 0 3,078
APPLE INC COM 037833100   2,257,071 9,687 SH   SOLE   0 0 9,687
BERKSHIRE HATHAWAY INC DEL CL A 084670108   3,455,900 5 SH   SOLE   0 0 5
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   465,323 1,011 SH   SOLE   0 0 1,011
CHEVRON CORP NEW COM 166764100   70,690 480 SH   SOLE   0 0 480
CITIGROUP INC COM NEW 172967424   16,839 269 SH   SOLE   0 0 269
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,350,922 68,560 SH   SOLE   0 0 68,560
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,083,263 40,106 SH   SOLE   0 0 40,106
DULUTH HLDGS INC COM CL B 26443V101   13,983 13,983 SH   SOLE   0 0 13,983
META PLATFORMS INC CL A 30303M102   302,248 528 SH   SOLE   0 0 528
FEDEX CORP COM 31428X106   15,873 58 SH   SOLE   0 0 58
GENERAL MTRS CO COM 37045V100   22,779 508 SH   SOLE   0 0 508
HERSHEY CO COM 427866108   738,353 3,850 SH   SOLE   0 0 3,850
INVESCO QQQ TR UNIT SER 1 46090E103   273,954 561 SH   SOLE   0 0 561
ISHARES GOLD TR ISHARES NEW 464285204   221,041 4,448 SH   SOLE   0 0 4,448
ISHARES TR CORE S&P500 ETF 464287200   100,951,845 175,014 SH   SOLE   0 0 175,014
ISHARES TR CORE US AGGBD ET 464287226   847,837 8,372 SH   SOLE   0 0 8,372
ISHARES TR RUS MID CAP ETF 464287499   545,637 6,191 SH   SOLE   0 0 6,191
ISHARES TR CORE S&P MCP ETF 464287507   18,947,818 304,041 SH   SOLE   0 0 304,041
ISHARES TR RUS 1000 GRW ETF 464287614   4,555,140 12,135 SH   SOLE   0 0 12,135
ISHARES TR RUS 1000 ETF 464287622   283,914 903 SH   SOLE   0 0 903
ISHARES TR RUS 2000 VAL ETF 464287630   370,443 2,221 SH   SOLE   0 0 2,221
ISHARES TR RUSSELL 2000 ETF 464287655   312,065 1,413 SH   SOLE   0 0 1,413
ISHARES TR CORE S&P US VLU 464287663   2,337,809 24,482 SH   SOLE   0 0 24,482
ISHARES TR CORE S&P US GWT 464287671   1,360,644 10,315 SH   SOLE   0 0 10,315
ISHARES TR S&P MC 400VL ETF 464287705   676,757 5,475 SH   SOLE   0 0 5,475
ISHARES TR CORE S&P SCP ETF 464287804   18,777,444 160,546 SH   SOLE   0 0 160,546
ISHARES TR SP SMCP600VL ETF 464287879   739,334 6,867 SH   SOLE   0 0 6,867
ISHARES TR MSCI EAFE MIN VL 46429B689   1,022,905 13,336 SH   SOLE   0 0 13,336
ISHARES TR MSCI USA MIN VOL 46429B697   680,136 7,449 SH   SOLE   0 0 7,449
ISHARES TR CORE MSCI EAFE 46432F842   34,895,801 447,095 SH   SOLE   0 0 447,095
ISHARES TR CORE 1 5 YR USD 46432F859   255,506 5,249 SH   SOLE   0 0 5,249
ISHARES INC CORE MSCI EMKT 46434G103   566,563 9,869 SH   SOLE   0 0 9,869
ISHARES TR IBONDS DEC25 ETF 46434VBD1   367,040 14,623 SH   SOLE   0 0 14,623
ISHARES TR IBONDS DEC24 ETF 46434VBG4   365,863 14,513 SH   SOLE   0 0 14,513
ISHARES TR IBONDS DEC2026 46435GAA0   370,357 15,241 SH   SOLE   0 0 15,241
ISHARES TR IBDS DEC28 ETF 46435U515   374,840 14,682 SH   SOLE   0 0 14,682
ISHARES TR IBONDS 27 ETF 46435UAA9   372,986 15,305 SH   SOLE   0 0 15,305
JPMORGAN CHASE & CO. COM 46625H100   139,378 661 SH   SOLE   0 0 661
JOHNSON & JOHNSON COM 478160104   125,759 776 SH   SOLE   0 0 776
LENNAR CORP CL A 526057104   1,125 6 SH   SOLE   0 0 6
LIGHTWAVE LOGIC INC COM 532275104   110,400 40,000 SH   SOLE   0 0 40,000
LOCKHEED MARTIN CORP COM 539830109   354,828 607 SH   SOLE   0 0 607
MAGNA INTL INC COM 559222401   6,361 155 SH   SOLE   0 0 155
MICROSOFT CORP COM 594918104   614,038 1,427 SH   SOLE   0 0 1,427
NVIDIA CORPORATION COM 67066G104   730,826 6,018 SH   SOLE   0 0 6,018
PAYCHEX INC COM 704326107   611,906 4,560 SH   SOLE   0 0 4,560
PHILIP MORRIS INTL INC COM 718172109   161,462 1,330 SH   SOLE   0 0 1,330
QUALCOMM INC COM 747525103   258,136 1,518 SH   SOLE   0 0 1,518
SPDR S&P 500 ETF TR TR UNIT 78462F103   313,847 547 SH   SOLE   0 0 547
SPDR SER TR S&P 600 SMCP GRW 78464A201   393,922 4,231 SH   SOLE   0 0 4,231
SPDR SER TR S&P 400 MDCP GRW 78464A821   529,248 6,032 SH   SOLE   0 0 6,032
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,427,699 111,661 SH   SOLE   0 0 111,661
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   23,138,052 341,018 SH   SOLE   0 0 341,018
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,777,310 17,060 SH   SOLE   0 0 17,060
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,621,465 32,617 SH   SOLE   0 0 32,617
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   7,337,807 88,312 SH   SOLE   0 0 88,312
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   7,221,593 140,225 SH   SOLE   0 0 140,225
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   581,403 19,925 SH   SOLE   0 0 19,925
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,849,874 57,375 SH   SOLE   0 0 57,375
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,742,223 139,646 SH   SOLE   0 0 139,646
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,930,976 40,635 SH   SOLE   0 0 40,635
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   964,140 19,684 SH   SOLE   0 0 19,684
ARS PHARMACEUTICALS INC COM 82835W108   1,206,763 83,225 SH   SOLE   0 0 83,225
TESLA INC COM 88160R101   170,321 651 SH   SOLE   0 0 651
THOR INDS INC COM 885160101   1,758 16 SH   SOLE   0 0 16
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,045,079 10,326 SH   SOLE   0 0 10,326
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   535,868 10,147 SH   SOLE   0 0 10,147
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   857,301 6,687 SH   SOLE   0 0 6,687
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   303,512 2,536 SH   SOLE   0 0 2,536
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   468,861 9,799 SH   SOLE   0 0 9,799
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,707,306 33,398 SH   SOLE   0 0 33,398
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,522,913 2,886 SH   SOLE   0 0 2,886
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   230,058 945 SH   SOLE   0 0 945
VANGUARD INDEX FDS SML CP GRW ETF 922908595   451,648 1,689 SH   SOLE   0 0 1,689
VANGUARD INDEX FDS MID CAP ETF 922908629   637,629 2,417 SH   SOLE   0 0 2,417
VANGUARD INDEX FDS LARGE CAP ETF 922908637   932,697 3,542 SH   SOLE   0 0 3,542
VANGUARD INDEX FDS GROWTH ETF 922908736   495,256 1,290 SH   SOLE   0 0 1,290
VANGUARD INDEX FDS VALUE ETF 922908744   1,847,005 10,580 SH   SOLE   0 0 10,580
VANGUARD INDEX FDS SMALL CP ETF 922908751   941,030 3,967 SH   SOLE   0 0 3,967
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   3,747 374 SH   SOLE   0 0 374
LIBERTY GLOBAL LTD COM CL C G61188127   13,895 643 SH   SOLE   0 0 643
CHUBB LIMITED COM H1467J104   586,297 2,033 SH   SOLE   0 0 2,033
ARDAGH METAL PACKAGING S A SHS L02235106   37,700 10,000 SH   SOLE   0 0 10,000