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
Expires: July 31, 2015
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
Abbvie Inc COM 00287Y109 610 3,287 SH SOLE 0 3,287 0 0
Advanced Micro Devic COM 007903107 225 1,589 SH SOLE 0 1,589 0 0
Air Products & Chemicals Inc COM 009158106 249 883 SH SOLE 0 883 0 0
Alpha Architect 1-3 Month Box ETF ALPHA ARCH 1-3 02072L565 20,642 183,194 SH SOLE 0 183,194 0 0
Alphabet Inc Class C COM 02079K107 307 1,728 SH SOLE 0 1,728 0 0
Alphabet Inc Class A COM 02079K305 284 1,613 SH SOLE 0 1,613 0 0
Amazon.com COM 023135106 1,063 4,846 SH SOLE 0 4,846 0 0
Avantis US Large Cap Value ETF US LARGE CAP VLU 025072349 33,277 487,866 SH SOLE 0 487,866 0 0
Avantis Emerging Markets Equity ETF AVANTIS EMGMKT 025072604 13,006 189,751 SH SOLE 0 189,751 0 0
Avantis International Small Cap Value ETF INTL SMCP VLU 025072802 26,964 340,110 SH SOLE 0 340,110 0 0
Avantis U.S. Small Cap Value ETF US SML CP VALU 025072877 13,516 148,360 SH SOLE 0 148,360 0 0
Anavex Life Sciences COM 032797300 320 34,700 SH SOLE 0 34,700 0 0
Apple Inc COM 037833100 3,422 16,678 SH SOLE 0 16,678 0 0
Applied Visual Scien COM 038287108 0 2,000,000 SH SOLE 0 2,000,000 0 0
Automatic Data Processing COM 053015103 502 1,628 SH SOLE 0 1,628 0 0
Berkshire Hath. Cl B COM 084670207 994 2,047 SH SOLE 0 2,047 0 0
Broadcom Ltd COM 11135F101 939 3,408 SH SOLE 0 3,408 0 0
CME Group Inc COM 12572Q105 241 874 SH SOLE 0 874 0 0
Cambria Shareholder Yield ETF SHSHLD YIELD ETF 132061201 14,536 223,534 SH SOLE 0 223,534 0 0
Cambria Foreign Shareholder Yield ETF CAMBRIA FGN SHR 132061300 8,963 306,537 SH SOLE 0 306,537 0 0
Cambria Emerging Shareholder Yield ETF EMRG SHAREHLDR 132061706 5,280 146,180 SH SOLE 0 146,180 0 0
Charming Shoppes Inc COM 161133103 10 13,000 SH SOLE 0 13,000 0 0
Chevron Corp COM 166764100 535 3,739 SH SOLE 0 3,739 0 0
Cincinnati Financial COM 172062101 594 3,990 SH SOLE 0 3,990 0 0
Compass Diversified COM 20451Q104 216 34,400 SH SOLE 0 34,400 0 0
Corning Inc COM 219350105 232 4,407 SH SOLE 0 4,407 0 0
Costco Wholesale Corp COM 22160K105 236 238 SH SOLE 0 238 0 0
Dimensional U.S. Small Cap ETF US SMALL CAP ETF 25434V500 971 15,244 SH SOLE 0 15,244 0 0
Dimensional US High Profitability ETF US HIGH PROFITAB 25434V831 18,637 524,104 SH SOLE 0 524,104 0 0
Dimensional Core Fixed CORE FIXED INCOM 25434V872 28,738 680,036 SH SOLE 0 680,036 0 0
Duke Energy Corporation COM 26441C105 456 3,868 SH SOLE 0 3,868 0 0
Eaton Corporation COM 278058102 330 925 SH SOLE 0 925 0 0
Energy Transfer LP COM 29273V100 334 18,399 SH SOLE 0 18,399 0 0
Exxon Mobil Corp COM 30231G102 821 7,615 SH SOLE 0 7,615 0 0
Meta Platforms Inc COM 30303M102 1,480 2,005 SH SOLE 0 2,005 0 0
Federal Home Loan Mortgage Corporation COM 313400301 165 20,000 SH SOLE 0 20,000 0 0
General Electric COM 369604103 246 954 SH SOLE 0 954 0 0
Metaverse Capital Corp COM 37958T100 0 50,000 SH SOLE 0 50,000 0 0
Home Depot COM 437076102 649 1,770 SH SOLE 0 1,770 0 0
Hubbell Inc Class B COM 443510201 372 910 SH SOLE 0 910 0 0
Invesco QQQ UNIT SER 1 46090E103 463 840 SH SOLE 0 840 0 0
Invesco High Yield Equity Dividend Achievers ETF HIG YLD EQ DIV 46137V563 202 9,920 SH SOLE 0 9,920 0 0
iShares S&P 100 ETF S&P 100 ETF 464287101 2,026 6,657 SH SOLE 0 6,657 0 0
iShares Mstar Large Core LRGE CORE INDX 464287127 279 3,252 SH SOLE 0 3,252 0 0
iShares S&P 500 Index S&P 500 INDEX 464287200 2,521 4,061 SH SOLE 0 4,061 0 0
iShares S&P Midcap 400 CORE S&P MCP ETF 464287507 614 9,902 SH SOLE 0 9,902 0 0
iShares Russell 1000 Value RUSSELL1000VAL 464287598 1,393 7,173 SH SOLE 0 7,173 0 0
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614 6,038 14,221 SH SOLE 0 14,221 0 0
iShares Russell 1000 Index RUSSELL 1000 464287622 27,193 80,082 SH SOLE 0 80,082 0 0
iShares Russell 2000 Value Idx RUSL 2000 VALU 464287630 744 4,718 SH SOLE 0 4,718 0 0
iShares Russell 2000 Idx RUSSELL 2000 ETF 464287655 2,085 9,662 SH SOLE 0 9,662 0 0
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 38,000 347,703 SH SOLE 0 347,703 0 0
iShares 3-7 Year Treasury Bond 3-7 YR TR BD ETF 464288661 4,462 37,465 SH SOLE 0 37,465 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 29,508 353,472 SH SOLE 0 353,472 0 0
iShares Core 1-5 Year USD Bond ETF CORE 1 5 YR USD 46432F859 580 11,914 SH SOLE 0 11,914 0 0
iShares Core MSCI Emerging Markets CORE MSCI EMKT 46434G103 13,535 225,469 SH SOLE 0 225,469 0 0
iShares High Yield Systematic Bond ETF HIGH YLD SYSTM B 46435G250 292 6,141 SH SOLE 0 6,141 0 0
iShares 0-3 Month Treasury Bond ETF 0-3 MNTH TREASRY 46436E718 28,254 280,604 SH SOLE 0 280,604 0 0
JPMorgan Chase & Co COM 46625H100 836 2,885 SH SOLE 0 2,885 0 0
Johnson & Johnson COM 478160104 919 6,016 SH SOLE 0 6,016 0 0
Kroger Corp COM 501044101 352 4,907 SH SOLE 0 4,907 0 0
Lilly Eli & Co COM 532457108 919 1,179 SH SOLE 0 1,179 0 0
Lockheed Martin Corp COM 539830109 235 507 SH SOLE 0 507 0 0
Marathon Group Corp COM 565807401 0 300,000 SH SOLE 0 300,000 0 0
Marsh & McLennan COM 571748102 421 1,926 SH SOLE 0 1,926 0 0
Mastercard Inc COM 57636Q104 247 440 SH SOLE 0 440 0 0
Matador Resources Co COM 576485205 272 5,692 SH SOLE 0 5,692 0 0
McDonalds Corp COM 580135101 581 1,990 SH SOLE 0 1,990 0 0
Merck & Co COM 589331107 285 3,603 SH SOLE 0 3,603 0 0
Microsoft COM 594918104 1,727 3,471 SH SOLE 0 3,471 0 0
Mondelez Intl Inc Cl A COM 609207105 504 7,477 SH SOLE 0 7,477 0 0
Netlist, Inc. COM 64118P109 14 19,500 SH SOLE 0 19,500 0 0
Nextera Energy Inc COM 65339F101 434 6,253 SH SOLE 0 6,253 0 0
NW Biotherapeutics COM 66737P600 14 60,150 SH SOLE 0 60,150 0 0
Nvidia Corp COM 67066G104 1,259 7,969 SH SOLE 0 7,969 0 0
Oracle Corp COM 68389X105 212 970 SH SOLE 0 970 0 0
Otter Tail Corp COM 689648103 406 5,266 SH SOLE 0 5,266 0 0
PNC Financial Services COM 693475105 297 1,595 SH SOLE 0 1,595 0 0
PPL Corporation COM 69351T106 225 6,630 SH SOLE 0 6,630 0 0
Paychex Inc COM 704326107 261 1,792 SH SOLE 0 1,792 0 0
Pepsico Inc COM 713448108 342 2,591 SH SOLE 0 2,591 0 0
Procter & Gamble COM 742718109 18,933 118,837 SH SOLE 0 118,837 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 583 943 SH SOLE 0 943 0 0
SPDR Gold Trust GOLD SHS 78463V107 396 1,298 SH SOLE 0 1,298 0 0
SPDR Developed World ex-US ETF PORTFOLIO DEVLPD 78463X889 2,270 56,063 SH SOLE 0 56,063 0 0
SPDR S&P 600 Small Cap Value S&P 600 SMCP VAL 78464A300 1,524 19,102 SH SOLE 0 19,102 0 0
SPDR Portfolio S&P 500 ETF PORTFOLIO S&P500 78464A854 310 4,263 SH SOLE 0 4,263 0 0
Charles Schwab Corp COM 808513105 354 3,875 SH SOLE 0 3,875 0 0
Schwab U.S. Broad Market ETF US BRD MKT ETF 808524102 3,889 163,202 SH SOLE 0 163,202 0 0
Schwab US Large Cap ETF US LRG CAP ETF 808524201 314 12,864 SH SOLE 0 12,864 0 0
Schwab U.S. Small Cap ETF US SML CAP ETF 808524607 4,562 180,301 SH SOLE 0 180,301 0 0
Schwab Emerging Market ETF EMRG MKTEQ ETF 808524706 1,504 49,907 SH SOLE 0 49,907 0 0
Schwab Fundamental International Large Cap SCHWB FDT INT LG 808524755 21,470 536,476 SH SOLE 0 536,476 0 0
Schwab Fundamental US Small Cap ETF SCHWAB FDT US SC 808524763 492 17,174 SH SOLE 0 17,174 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 55,488 2,510,756 SH SOLE 0 2,510,756 0 0
Sellas Life Sciences Gro COM 81642T209 526 240,000 SH SOLE 0 240,000 0 0
Sempra Energy COM 816851109 253 3,334 SH SOLE 0 3,334 0 0
Service Corp Int'l, Inc. COM 817565104 5,751 70,654 SH SOLE 0 70,654 0 0
Starbucks Corp COM 855244109 281 3,067 SH SOLE 0 3,067 0 0
Texas Instruments COM 882508104 278 1,339 SH SOLE 0 1,339 0 0
Travelers Co COM 89417E109 547 2,043 SH SOLE 0 2,043 0 0
Unitedhealth Group COM 91324P102 282 904 SH SOLE 0 904 0 0
Vanguard Dividend Appreciation DIV APP ETF 921908844 2,836 13,855 SH SOLE 0 13,855 0 0
Vanguard US Multifactor US MULTIFACTOR 921935607 14,165 105,315 SH SOLE 0 105,315 0 0
Vanguard Short Term Bond Index SHORT TRM BOND 921937827 873 11,095 SH SOLE 0 11,095 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 10,900 191,193 SH SOLE 0 191,193 0 0
Vanguard High Dividend Yield Index Fund HIGH DIV YLD 921946406 28,256 211,958 SH SOLE 0 211,958 0 0
Vanguard FTSE All-World ex-US Sm-Cp ETF FTSE SMCAP ETF 922042718 597 4,446 SH SOLE 0 4,446 0 0
Vanguard Emerging Market FTSE EMR MKT ETF 922042858 4,786 96,774 SH SOLE 0 96,774 0 0
Vanguard Energy ETF ENERGY ETF 92204A306 247 2,070 SH SOLE 0 2,070 0 0
Vanguard Short-Term Treasury Index SHORT TERM TREAS 92206C102 30,559 519,889 SH SOLE 0 519,889 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 1,606 14,708 SH SOLE 0 14,708 0 0
Vanguard Intermediate-Term Treasury Index INTER TERM TREAS 92206C706 44,292 740,542 SH SOLE 0 740,542 0 0
Vanguard Russell 1000 ETF VNG RUS1000IDX 92206C730 17,617 62,725 SH SOLE 0 62,725 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 151,370 266,482 SH SOLE 0 266,482 0 0
Vanguard Real Estate Index REIT ETF 922908553 538 6,037 SH SOLE 0 6,037 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595 1,320 4,765 SH SOLE 0 4,765 0 0
Vanguard Mid Cap ETF MID CAP ETF 922908629 449 1,603 SH SOLE 0 1,603 0 0
Vanguard Large-Cap Index ETF LARGE CAP ETF 922908637 815 2,858 SH SOLE 0 2,858 0 0
Vanguard Large Cap Value ETF VALUE ETF 922908744 5,024 28,429 SH SOLE 0 28,429 0 0
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 485 1,595 SH SOLE 0 1,595 0 0
Wal Mart Stores Inc COM 931142103 253 2,589 SH SOLE 0 2,589 0 0
Williams Companies COM 969457100 618 9,833 SH SOLE 0 9,833 0 0
iShares Short-Term National Muni Bond ETF SHRT NAT MUN ETF 464288158 7,163 67,363 SH SOLE 0 67,363 0 0
iShares National AMT-Free Muni Bond NATIONAL MUN ETF 464288414 4,433 42,433 SH SOLE 0 42,433 0 0
Vanguard Short Duration Tax-Exempt Bond ETF SHORT TAX EXEMPT 922907696 5,635 74,427 SH SOLE 0 74,427 0 0
Vanguard Core Tax-Exempt Bond ETF CORE TAX EXEMPT 922907712 11,000 149,512 SH SOLE 0 149,512 0 0