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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Berkshire Hathaway Inc CL B 084670702 33,892 67,732 SH SOLE 67,732 0 0
Alphabet Inc STK CL A 02079K305 28,240 79,021 SH SOLE 79,021 0 0
Schwab Fundamental U.S. Large FDT US LG 808524771 19,212 617,762 SH SOLE 617,762 0 0
Goldman Sachs ActiveBeta Inter ACTIVEBETA INT 381430107 16,888 369,545 SH SOLE 369,545 0 0
VanEck Vectors Investment Grade Floating Rate ETF INVT GRADE FLTG 92189F486 14,732 575,230 SH SOLE 575,230 0 0
iShares Edge MSCI Min Vol USA MSCI MIN VOL ETF 46429B697 12,519 129,782 SH SOLE 129,782 0 0
VanEck Vectors Gold Miners ETF GOLD MINER ETF 92189F106 12,163 161,208 SH SOLE 161,208 0 0
Ishares S&P Midcap Growth S&P MC 400GR ETF 464287606 11,905 101,317 SH SOLE 101,317 0 0
Janus Henderson AAA CLO ETF HENDRSON AAA CL 47103U845 11,894 235,578 SH SOLE 235,578 0 0
Schwab Intermediate Treasury INT TRM US TRES 808524854 11,694 474,217 SH SOLE 474,217 0 0
Marathon Petroleum Corp COM 56585A102 11,405 44,610 SH SOLE 44,610 0 0
Schwab U.S. Large-Cap Value ET US LCAP VA ETF 808524409 11,361 326,384 SH SOLE 326,384 0 0
Apple Inc COM 037833100 11,334 39,168 SH SOLE 39,168 0 0
PIMCO Multisector Bond Active ETF MULTISECTOR BD 72201R585 11,173 421,294 SH SOLE 421,294 0 0
iShares TIPS Bond ETF TIPS BD ETF 464287176 10,926 99,847 SH SOLE 99,847 0 0
Goldman Sachs Etf Tr Just Us Lrg Cp US LRG CP 381430396 10,833 101,530 SH SOLE 101,530 0 0
WisdomTree US MidCap Dividend ETF MIDCAP DIVI FD 97717W505 10,035 177,549 SH SOLE 177,549 0 0
Invesco QQQ Trust QQQ TR UNIT SER 1 46090E103 10,002 13,583 SH SOLE 13,583 0 0
Microsoft Corp COM 594918104 9,530 25,547 SH SOLE 25,547 0 0
JPMorgan Chase & Co COM 46625H100 9,380 28,657 SH SOLE 28,657 0 0
Schwab US Mid Cap ETF US MID CAP ETF 808524508 9,229 250,309 SH SOLE 250,309 0 0
Morgan Stanley COM 617446448 9,221 44,110 SH SOLE 44,110 0 0
Meta Platforms Inc Class A CL A 30303M102 8,875 15,756 SH SOLE 15,756 0 0
iShares Core S&P Small-Cap ETF ETF TR EQUITY 464287804 8,868 59,794 SH SOLE 59,794 0 0
Amazon.com Inc COM 023135106 8,753 36,724 SH SOLE 36,724 0 0
iShares Morningstar Large-Cap Growth ETF TR GRWT 464287119 8,699 74,336 SH SOLE 74,336 0 0
Goldman Sachs Acss Invmt Grd Corp Bd ETF ACCESS INVT GR 381430479 8,603 187,378 SH SOLE 187,378 0 0
Avantis US Small Cap Value ETF US SML CP VALU 025072877 8,242 66,063 SH SOLE 66,063 0 0
Xtrackers MSCI EAFE High Div Yld Eq ETF MSCI EAFE 233051630 7,888 245,428 SH SOLE 245,428 0 0
Avantis US Large Cap Value ETF US LARGE CAP VLU 025072349 7,747 84,938 SH SOLE 84,938 0 0
iShares 7-10 Year Treasury Bond ETF TR 7 10 YR Tsy 464287440 7,744 81,884 SH SOLE 81,884 0 0
WisdomTree U.S. Quality Divide US QTLY DIV GRT 97717X669 7,237 75,688 SH SOLE 75,688 0 0
iShares MSCI EAFE Growth ETF EAFE GRWTH ETF 464288885 7,070 56,823 SH SOLE 56,823 0 0
Avantis Emerging Markets Equity ETF AVANTIS EMGMKT 025072604 6,989 72,436 SH SOLE 72,436 0 0
Canadian National Railway Co COM 136375102 6,327 53,065 SH SOLE 53,065 0 0
NextEra Energy Inc COM 65339F101 6,106 69,563 SH SOLE 69,563 0 0
Chevron Corp COM 166764100 5,964 35,982 SH SOLE 35,982 0 0
Sprouts Farmers Market Inc COM 85208M102 5,575 65,909 SH SOLE 65,909 0 0
NVIDIA Corp COM 67066G104 5,549 27,734 SH SOLE 27,734 0 0
First Trust Water ETF FD WTR ETF 33733B100 5,401 49,314 SH SOLE 49,314 0 0
Laboratory Corp of America Hol COM 504922105 5,012 17,900 SH SOLE 17,900 0 0
Alps Alerian Mlp Etf ALERIAN MLP 00162Q452 4,843 93,412 SH SOLE 93,412 0 0
Direxion NASDAQ-100 Equal Wtd ETF TR NAS100 EQL WGT 25459Y207 4,750 38,934 SH SOLE 38,934 0 0
Verizon Communications Inc COM 92343V104 3,578 84,509 SH SOLE 84,509 0 0
Industrial Select Sector SPDR SPDR TR INDL 81369Y704 2,124 11,465 SH SOLE 11,465 0 0
Sector Spdr Engy Select ENERGY 81369Y506 2,070 38,970 SH SOLE 38,970 0 0
Honeywell International COM 438516205 2,005 8,954 SH SOLE 8,954 0 0
Honeywell Aerospace Inc. COM 43849R105 1,973 8,925 SH SOLE 8,925 0 0
Schwab International Equity ET INTL EQTY ETF 808524805 1,721 62,128 SH SOLE 62,128 0 0
Paypal Holdings Inco COM 70450Y103 1,574 36,443 SH SOLE 36,443 0 0
SPDR S&P Aerospace & Defense ETF ST STR SP AERO 78464A631 1,237 4,358 SH SOLE 4,358 0 0
Paychex Inc COM 704326107 979 9,953 SH SOLE 9,953 0 0
Enterprise Products Partners L COM 293792107 848 23,080 SH SOLE 23,080 0 0
Utilities Select Sector SPDR F SBI INT-UTILS 81369Y886 748 16,501 SH SOLE 16,501 0 0
Hartford Multifactor Dev Mkts (exUS) ETF INTL EQTY ETF 518416102 733 18,129 SH SOLE 18,129 0 0
PIMCO Enhanced Short Maturity Active ETF Enhan SHT MA AC 72201R833 482 4,782 SH SOLE 4,782 0 0
Johnson & Johnson COM 478160104 419 1,650 SH SOLE 1,650 0 0
Automatic Data Processing Inc COM 053015103 412 1,841 SH SOLE 1,841 0 0
Service Now Inc COM 81762P102 400 4,024 SH SOLE 4,024 0 0
Technology Select Sector SPDR SPDR TR TECH 81369Y803 341 1,792 SH SOLE 1,792 0 0
AbbVie Inc US BRD MKT ETF 00287Y109 331 1,315 SH SOLE 1,315 0 0
Ford Motor Co COM 345370860 328 23,593 SH SOLE 23,593 0 0
DTE Energy Co COM 233331107 255 1,673 SH SOLE 1,673 0 0
Rockwell Automation Inc COM 773903109 248 500 SH SOLE 500 0 0
Solstice Advanced Materials Inc COM 83443Q103 223 2,513 SH SOLE 2,513 0 0
Schwab US Broad Market ETF COM 808524102 222 7,667 SH SOLE 7,667 0 0
Starbucks Corp COM 855244109 216 2,114 SH SOLE 2,114 0 0
Lam Research Corporation COM NEW 512807306 208 480 SH SOLE 480 0 0
Stryker Corp ETF TR SPDR Mid 863667101 208 660 SH SOLE 660 0 0
Cisco Systems Inc COM 17275R102 204 1,734 SH SOLE 1,734 0 0
Apple Inc COM 037833100 508 1,754 SH SOLE 1,754 0 0
Marsh & McLennan Companies COM 571748102 486 2,914 SH SOLE 2,914 0 0
Tesla Inc COM 88160R101 299 711 SH SOLE 711 0 0