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
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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
Abbvie Inc COM 00287Y109 508 2,019 SH SOLE 0 2,019 0 0
Alpha Architect 1-3 Month Box ETF ALPHA ARCH 1-3 02072L565 35,826 305,968 SH SOLE 0 305,968 0 0
Alphabet Inc Class C CAP STK CL C 02079K107 597 1,689 SH SOLE 0 1,689 0 0
Alphabet Inc Class A CAP STK CL A 02079K305 652 1,825 SH SOLE 0 1,825 0 0
Amazon.com COM 023135106 931 3,907 SH SOLE 0 3,907 0 0
Avantis US Large Cap Value ETF US LARGE CAP VLU 025072349 45,792 502,053 SH SOLE 0 502,053 0 0
Avantis Emerging Markets Equity ETF AVANTIS EMGMKT 025072604 18,523 191,970 SH SOLE 0 191,970 0 0
Avantis International Small Cap Value ETF INTL SMCP VLU 025072802 31,917 309,726 SH SOLE 0 309,726 0 0
Avantis U.S. Small Cap Value ETF US SML CP VALU 025072877 19,795 158,662 SH SOLE 0 158,662 0 0
Anavex Life Sciences COM 032797300 98 37,700 SH SOLE 0 37,700 0 0
Apollo Global Mgmt Inc N COM 03769M106 414 3,497 SH SOLE 0 3,497 0 0
Apple Inc COM 037833100 4,970 17,177 SH SOLE 0 17,177 0 0
Applied Visual Scien COM 038287108 0 2,000,000 SH SOLE 0 2,000,000 0 0
Automatic Data Processing COM 053015103 308 1,375 SH SOLE 0 1,375 0 0
Berkshire Hath. Cl B COM 084670207 1,081 2,160 SH SOLE 0 2,160 0 0
Beyond Meat Inc COM 08862E109 11 15,000 SH SOLE 0 15,000 0 0
Broadcom Ltd COM 11135F101 985 2,607 SH SOLE 0 2,607 0 0
Cambria Shareholder Yield ETF SHSHLD YIELD ETF 132061201 18,907 239,067 SH SOLE 0 239,067 0 0
Cambria Foreign Shareholder Yield ETF CAMBRIA FGN SHR 132061300 10,737 294,254 SH SOLE 0 294,254 0 0
Cambria Emerging Shareholder Yield ETF EMRG SHAREHLDR 132061706 6,717 147,911 SH SOLE 0 147,911 0 0
Caterpillar Inc COM 149123101 305 286 SH SOLE 0 286 0 0
Charming Shoppes Inc COM 161133103 20 14,500 SH SOLE 0 14,500 0 0
Chevron Corp COM 166764100 525 3,166 SH SOLE 0 3,166 0 0
Cincinnati Financial COM 172062101 741 4,001 SH SOLE 0 4,001 0 0
Cisco Systems COM 17275R102 381 3,243 SH SOLE 0 3,243 0 0
Compass Diversified COM 20451Q104 195 18,300 SH SOLE 0 18,300 0 0
Corning Inc COM 219350105 237 929 SH SOLE 0 929 0 0
Costco Wholesale Corp COM 22160K105 202 216 SH SOLE 0 216 0 0
Crowdstrike Hldgs Inc COM 22788C105 216 283 SH SOLE 0 283 0 0
Cummins Inc COM 231021106 275 385 SH SOLE 0 385 0 0
Darden Restaurants Inc COM 237194105 263 1,277 SH SOLE 0 1,277 0 0
Dimensional U.S. Small Cap ETF US SMALL CAP ETF 25434V500 1,260 15,308 SH SOLE 0 15,308 0 0
Dimensional U.S. Core Equity 2 ETF US CORE EQUITY 2 25434V708 239 5,395 SH SOLE 0 5,395 0 0
Dimensional US High Profitability ETF US HIGH PROFITAB 25434V831 22,918 549,188 SH SOLE 0 549,188 0 0
Dimensional Core Fixed CORE FIXED INCOM 25434V872 34,158 809,244 SH SOLE 0 809,244 0 0
Duke Energy Corporation COM 26441C105 481 3,801 SH SOLE 0 3,801 0 0
Eaton Corporation COM 278058102 236 555 SH SOLE 0 555 0 0
Energy Transfer LP COM 29273V100 352 18,399 SH SOLE 0 18,399 0 0
Exxon Mobil Corp COM 30231G102 764 5,587 SH SOLE 0 5,587 0 0
Meta Platforms Inc COM 30303M102 1,169 2,076 SH SOLE 0 2,076 0 0
Federal Home Loan Mortgage Corporation COM 313400301 120 20,000 SH SOLE 0 20,000 0 0
GE Vernova Inc COM 36828A101 264 225 SH SOLE 0 225 0 0
General Dynamics COM 369550108 338 954 SH SOLE 0 954 0 0
General Electric COM 369604103 357 954 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 566 1,605 SH SOLE 0 1,605 0 0
Hubbell Inc Class B COM 443510201 345 660 SH SOLE 0 660 0 0
Invesco QQQ UNIT SER 1 46090E103 619 840 SH SOLE 0 840 0 0
Intuitive Surgical New COM 46120E602 688 1,730 SH SOLE 0 1,730 0 0
Invesco High Yield Equity Dividend Achievers ETF HIG YLD EQ DIV 46137V563 230 9,920 SH SOLE 0 9,920 0 0
Invesco AI and Next Gen Software ETF INVESCO EXCHANGE TRADED FD T AI AND NEXT GEN 46137V639 3,295 31,653 SH SOLE 0 31,653 0 0
iShares S&P 100 ETF S&P 100 ETF 464287101 2,673 7,307 SH SOLE 0 7,307 0 0
iShares Mstar Large Core LRGE CORE INDX 464287127 283 2,728 SH SOLE 0 2,728 0 0
iShares S&P 500 Index S&P 500 INDEX 464287200 2,926 3,908 SH SOLE 0 3,908 0 0
iShares EAFE Index MSCI EAFE ETF 464287465 241 2,320 SH SOLE 0 2,320 0 0
iShares Russell Midcap RUS MID-CAP ETF 464287499 287 2,605 SH SOLE 0 2,605 0 0
iShares S&P Midcap 400 CORE S&P MCP ETF 464287507 743 9,632 SH SOLE 0 9,632 0 0
iShares Russell 1000 Value RUSSELL1000VAL 464287598 1,719 7,092 SH SOLE 0 7,092 0 0
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614 7,066 56,904 SH SOLE 0 56,904 0 0
iShares Russell 1000 Index RUSSELL 1000 464287622 32,887 80,310 SH SOLE 0 80,310 0 0
iShares Russell 2000 Value Idx RUSL 2000 VALU 464287630 1,038 4,694 SH SOLE 0 4,694 0 0
iShares Russell 2000 Idx RUSSELL 2000 ETF 464287655 2,697 8,978 SH SOLE 0 8,978 0 0
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 53,100 358,032 SH SOLE 0 358,032 0 0
iShares 3-7 Year Treasury Bond 3-7 YR TR BD ETF 464288661 3,745 31,887 SH SOLE 0 31,887 0 0
iShares Trust - iShares 0-5 Year TIPS 0-5 YR TIPS ETF 46429B747 29,912 292,799 SH SOLE 0 292,799 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 75,533 782,078 SH SOLE 0 782,078 0 0
iShares Core 1-5 Year USD Bond ETF CORE 1 5 YR USD 46432F859 617 12,795 SH SOLE 0 12,795 0 0
iShares Core MSCI Emerging Markets CORE MSCI EMKT 46434G103 18,422 222,377 SH SOLE 0 222,377 0 0
iShares High Yield Systematic Bond ETF HIGH YLD SYSTM B 46435G250 286 6,124 SH SOLE 0 6,124 0 0
iShares Future AI & Tech ETF FUTURE AI & TECH 46435U556 3,279 43,052 SH SOLE 0 43,052 0 0
iShares iBonds Dec 2030 Term Treasury ETF IBOND DEC 2030 46436E593 300 15,330 SH SOLE 0 15,330 0 0
iShares 0-3 Month Treasury Bond ETF 0-3 MNTH TREASRY 46436E718 1,434 14,246 SH SOLE 0 14,246 0 0
iShares iBonds Dec 2029 Term Treasury ETF IBONDS 29 TRM TS 46436E825 301 13,900 SH SOLE 0 13,900 0 0
iShares iBonds Dec 2028 Term Treasury ETF IBONDS 28 TRM TS 46436E833 350 15,830 SH SOLE 0 15,830 0 0
iShares iBonds Dec 2027 Term Treasury ETF IBONDS 27 TRM TS 46436E841 353 15,782 SH SOLE 0 15,782 0 0
iShares iBonds Dec 2026 Term Treasury ETF IBONDS 26 TRM TS 46436E858 354 15,457 SH SOLE 0 15,457 0 0
JPMorgan Chase & Co COM 46625H100 736 2,248 SH SOLE 0 2,248 0 0
Johnson & Johnson COM 478160104 1,096 4,315 SH SOLE 0 4,315 0 0
Kroger Corp COM 501044101 274 4,940 SH SOLE 0 4,940 0 0
Lilly Eli & Co COM 532457108 711 593 SH SOLE 0 593 0 0
Marathon Group Corp COM 565807401 0 300,000 SH SOLE 0 300,000 0 0
Mastercard Inc COM 57636Q104 340 662 SH SOLE 0 662 0 0
Matador Resources Co COM 576485205 288 5,778 SH SOLE 0 5,778 0 0
McDonalds Corp COM 580135101 265 979 SH SOLE 0 979 0 0
Microsoft COM 594918104 1,347 3,610 SH SOLE 0 3,610 0 0
Mondelez Intl Inc Cl A COM 609207105 218 3,771 SH SOLE 0 3,771 0 0
Netlist, Inc. COM 64118P109 60 19,500 SH SOLE 0 19,500 0 0
Nextera Energy Inc COM 65339F101 339 3,866 SH SOLE 0 3,866 0 0
NW Biotherapeutics COM 66737P600 11 60,150 SH SOLE 0 60,150 0 0
Nvidia Corp COM 67066G104 2,206 11,026 SH SOLE 0 11,026 0 0
Otter Tail Corp COM 689648103 474 5,266 SH SOLE 0 5,266 0 0
PNC Financial Services COM 693475105 536 2,177 SH SOLE 0 2,177 0 0
PPL Corporation COM 69351T106 215 5,911 SH SOLE 0 5,911 0 0
Philip Morris Intl Inc COM 718172109 266 1,471 SH SOLE 0 1,471 0 0
PIMCO Commodity Strategy Active Exchange-Traded Fu COMMODITY STRAT 72201R593 267 8,690 SH SOLE 0 8,690 0 0
Procter & Gamble COM 742718109 16,115 109,896 SH SOLE 0 109,896 0 0
Raytheon Technologies Co COM 75513E101 306 1,615 SH SOLE 0 1,615 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 575 769 SH SOLE 0 769 0 0
SPDR Gold Trust GOLD SHS 78463V107 395 1,073 SH SOLE 0 1,073 0 0
SPDR Developed World ex-US ETF PORTFOLIO DEVLPD 78463X889 2,865 56,850 SH SOLE 0 56,850 0 0
SPDR S&P 600 Small Cap Value S&P 600 SMCP VAL 78464A300 1,985 18,191 SH SOLE 0 18,191 0 0
SPDR Portfolio S&P 500 ETF PORTFOLIO S&P500 78464A854 355 4,035 SH SOLE 0 4,035 0 0
Charles Schwab Corp COM 808513105 364 3,950 SH SOLE 0 3,950 0 0
Schwab U.S. Broad Market ETF US BRD MKT ETF 808524102 4,333 149,617 SH SOLE 0 149,617 0 0
Schwab US Large Cap ETF US LRG CAP ETF 808524201 595 20,209 SH SOLE 0 20,209 0 0
Schwab U.S. Small Cap ETF US SML CAP ETF 808524607 6,570 181,849 SH SOLE 0 181,849 0 0
Schwab Emerging Market ETF EMRG MKTEQ ETF 808524706 1,721 47,450 SH SOLE 0 47,450 0 0
Schwab Fundamental International Large Cap SCHWB FDT INT LG 808524755 26,729 506,615 SH SOLE 0 506,615 0 0
Schwab Fundamental US Small Cap ETF SCHWAB FDT US SC 808524763 571 14,990 SH SOLE 0 14,990 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 20,357 734,893 SH SOLE 0 734,893 0 0
Sellas Life Sciences Gro COM 81642T209 5,692 385,604 SH SOLE 0 385,604 0 0
Sempra Energy COM 816851109 249 2,686 SH SOLE 0 2,686 0 0
Service Corp Int'l, Inc. COM 817565104 3,461 45,570 SH SOLE 0 45,570 0 0
Starbucks Corp COM 855244109 289 2,829 SH SOLE 0 2,829 0 0
Taiwan Semiconductr COM 874039100 599 1,255 SH SOLE 0 1,255 0 0
Targa Res Corp COM 87612G101 231 860 SH SOLE 0 860 0 0
Travelers Co COM 89417E109 424 1,283 SH SOLE 0 1,283 0 0
Unitedhealth Group COM 91324P102 666 1,603 SH SOLE 0 1,603 0 0
Vanguard Dividend Appreciation DIV APP ETF 921908844 2,759 11,662 SH SOLE 0 11,662 0 0
Vanguard US Multifactor US MULTIFACTOR 921935607 18,960 107,138 SH SOLE 0 107,138 0 0
Vanguard Short Term Bond Index SHORT TRM BOND 921937827 864 11,095 SH SOLE 0 11,095 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 12,765 179,155 SH SOLE 0 179,155 0 0
Vanguard High Dividend Yield Index Fund HIGH DIV YLD 921946406 34,027 215,320 SH SOLE 0 215,320 0 0
Vanguard FTSE All-World ex-US Sm-Cp ETF FTSE SMCAP ETF 922042718 433 2,807 SH SOLE 0 2,807 0 0
Vanguard Emerging Market FTSE EMR MKT ETF 922042858 6,102 102,224 SH SOLE 0 102,224 0 0
Vanguard Energy ETF ENERGY ETF 92204A306 313 2,086 SH SOLE 0 2,086 0 0
Vanguard Information Technology ETF INF TECH ETF 92204A702 278 2,328 SH SOLE 0 2,328 0 0
Vanguard Short-Term Treasury Index SHORT TERM TREAS 92206C102 34,283 589,059 SH SOLE 0 589,059 0 0
Vanguard Short-Term Corp Bond ETF SHRT-TERM CORP 92206C409 220 2,787 SH SOLE 0 2,787 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 540 4,226 SH SOLE 0 4,226 0 0
Vanguard Intermediate-Term Treasury Index INTER TERM TREAS 92206C706 53,460 906,409 SH SOLE 0 906,409 0 0
Vanguard Russell 1000 ETF VNG RUS1000IDX 92206C730 21,213 62,628 SH SOLE 0 62,628 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 175,947 256,180 SH SOLE 0 256,180 0 0
Vanguard Real Estate Index REIT ETF 922908553 485 5,027 SH SOLE 0 5,027 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595 1,519 4,152 SH SOLE 0 4,152 0 0
Vanguard Mid Cap ETF MID CAP ETF 922908629 500 6,203 SH SOLE 0 6,203 0 0
Vanguard Large-Cap Index ETF LARGE CAP ETF 922908637 951 2,764 SH SOLE 0 2,764 0 0
Vanguard Large Cap Value ETF VALUE ETF 922908744 5,909 27,113 SH SOLE 0 27,113 0 0
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 579 1,566 SH SOLE 0 1,566 0 0
VICI Properties Inc. COM 925652109 207 7,785 SH SOLE 0 7,785 0 0
Visa Inc COM 92826C839 219 637 SH SOLE 0 637 0 0
Wal Mart Stores Inc COM 931142103 304 2,685 SH SOLE 0 2,685 0 0
Williams Companies COM 969457100 508 6,837 SH SOLE 0 6,837 0 0
Wisconsin Energy COM 976657106 245 2,096 SH SOLE 0 2,096 0 0
Te Connectivity Plc ORD SHS G87052109 276 1,371 SH SOLE 0 1,371 0 0
Garmin Ltd New COM H2906T109 271 1,139 SH SOLE 0 1,139 0 0
iShares Short-Term National Muni Bond ETF SHRT NAT MUN ETF 464288158 6,183 58,077 SH SOLE 0 58,077 0 0
iShares National AMT-Free Muni Bond NATIONAL MUN ETF 464288414 5,397 50,151 SH SOLE 0 50,151 0 0
Vanguard Short Duration Tax-Exempt Bond ETF SHORT TAX EXEMPT 922907696 11,411 148,913 SH SOLE 0 148,913 0 0
Vanguard Core Tax-Exempt Bond ETF CORE TAX EXEMPT 922907712 19,007 248,789 SH SOLE 0 248,789 0 0