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
ABRDN ETFS BBRG ALL COMD K1 003261104 213,570 9,560 SH SOLE 0 0 9,560
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 425,522 2,349 SH SOLE 0 0 2,349
ALPHABET INC CAP STK CL A 02079K305 1,914,151 5,356 SH SOLE 0 0 5,356
ALPHABET INC CAP STK CL C 02079K107 1,158,261 3,278 SH SOLE 0 0 3,278
AMAZON COM INC COM 023135106 575,658 2,415 SH SOLE 0 0 2,415
APPLE INC COM 037833100 1,522,569 5,262 SH SOLE 0 0 5,262
ARS PHARMACEUTICALS INC COM 82835W108 666,633 83,225 SH SOLE 0 0 83,225
BANCORP INC DEL COM 05969A105 441,049 7,041 SH SOLE 0 0 7,041
BERKSHIRE HATHAWAY INC DEL CL A 084670108 3,744,250 5 SH SOLE 0 0 5
CATERPILLAR INC COM 149123101 323,035 303 SH SOLE 0 0 303
CHUBB LIMITED COM H1467J104 681,480 2,000 SH SOLE 0 0 2,000
CORNING INC COM 219350105 406,390 1,591 SH SOLE 0 0 1,591
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 623,719 15,120 SH SOLE 0 0 15,120
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 1,755,725 39,579 SH SOLE 0 0 39,579
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 592,609 16,086 SH SOLE 0 0 16,086
DULUTH HLDGS INC COM CL B 26443V101 60,727 13,555 SH SOLE 0 0 13,555
ELI LILLY & CO COM 532457108 267,831 223 SH SOLE 0 0 223
GLOBAL X FDS GLB X MLP ENRG I 37954Y293 246,181 3,342 SH SOLE 0 0 3,342
HERSHEY CO COM 427866108 675,483 3,850 SH SOLE 0 0 3,850
INNVENTURE INC COM 45784M108 50,700 10,000 SH SOLE 0 0 10,000
INVESCO QQQ TR UNIT SER 1 46090E103 622,258 845 SH SOLE 0 0 845
ISHARES INC CORE MSCI EMKT 46434G103 1,255,390 15,154 SH SOLE 0 0 15,154
ISHARES SILVER TR ISHARES 46428Q109 205,325 3,840 SH SOLE 0 0 3,840
ISHARES TR CORE MSCI EAFE 46432F842 54,552,306 564,841 SH SOLE 0 0 564,841
ISHARES TR CORE S&P MCP ETF 464287507 27,000,782 350,159 SH SOLE 0 0 350,159
ISHARES TR CORE S&P SCP ETF 464287804 26,481,706 178,556 SH SOLE 0 0 178,556
ISHARES TR CORE S&P TTL STK 464287150 353,535 2,152 SH SOLE 0 0 2,152
ISHARES TR CORE S&P US GWT 464287671 3,173,970 16,875 SH SOLE 0 0 16,875
ISHARES TR CORE S&P US VLU 464287663 3,734,249 33,901 SH SOLE 0 0 33,901
ISHARES TR CORE S&P500 ETF 464287200 141,351,973 188,749 SH SOLE 0 0 188,749
ISHARES TR CORE US AGGBD ET 464287226 5,102,188 51,548 SH SOLE 0 0 51,548
ISHARES TR IBDS DEC28 ETF 46435U515 334,487 13,247 SH SOLE 0 0 13,247
ISHARES TR IBONDS 27 ETF 46435UAA9 333,396 13,765 SH SOLE 0 0 13,765
ISHARES TR IBONDS DEC2026 46435GAA0 331,267 13,672 SH SOLE 0 0 13,672
ISHARES TR MSCI EAFE MIN VL 46429B689 1,478,816 16,860 SH SOLE 0 0 16,860
ISHARES TR MSCI INTL QUALTY 46434V456 276,886 5,588 SH SOLE 0 0 5,588
ISHARES TR MSCI USA MIN ETF 46429B697 699,960 7,256 SH SOLE 0 0 7,256
ISHARES TR RUS 1000 ETF 464287622 369,804 903 SH SOLE 0 0 903
ISHARES TR RUS 1000 GRW ETF 464287614 4,737,406 38,153 SH SOLE 0 0 38,153
ISHARES TR RUS 2000 VAL ETF 464287630 497,583 2,249 SH SOLE 0 0 2,249
ISHARES TR RUS MID CAP ETF 464287499 682,944 6,191 SH SOLE 0 0 6,191
ISHARES TR RUSSELL 2000 ETF 464287655 422,062 1,405 SH SOLE 0 0 1,405
ISHARES TR SP SMCP600VL ETF 464287879 341,469 2,498 SH SOLE 0 0 2,498
ISHARES TR ULTRA SHORT DUR 46434V878 1,349,697 26,684 SH SOLE 0 0 26,684
JPMORGAN CHASE & CO COM 46625H100 202,627 619 SH SOLE 0 0 619
LAM RESEARCH CORP COM NEW 512807306 433,330 1,000 SH SOLE 0 0 1,000
LOCKHEED MARTIN CORP COM 539830109 316,531 621 SH SOLE 0 0 621
META PLATFORMS INC CL A 30303M102 242,093 430 SH SOLE 0 0 430
MICROSOFT CORP COM 594918104 469,987 1,260 SH SOLE 0 0 1,260
NERVGEN PHARMA CORP COM 64082X203 20,600 10,000 SH SOLE 0 0 10,000
NVIDIA CORPORATION COM 67066G104 766,682 3,832 SH SOLE 0 0 3,832
PAYCHEX INC COM 704326107 403,153 4,100 SH SOLE 0 0 4,100
PHILIP MORRIS INTL INC COM 718172109 217,092 1,200 SH SOLE 0 0 1,200
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 618,630 17,061 SH SOLE 0 0 17,061
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9,198,304 332,069 SH SOLE 0 0 332,069
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 317,748 13,163 SH SOLE 0 0 13,163
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,255,314 54,272 SH SOLE 0 0 54,272
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 9,398,926 324,549 SH SOLE 0 0 324,549
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,576,313 144,318 SH SOLE 0 0 144,318
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,636,239 77,903 SH SOLE 0 0 77,903
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,673,557 76,804 SH SOLE 0 0 76,804
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 25,881,160 879,414 SH SOLE 0 0 879,414
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,541,665 285,914 SH SOLE 0 0 285,914
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,954,527 192,486 SH SOLE 0 0 192,486
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 393,142 3,300 SH SOLE 0 0 3,300
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 681,574 913 SH SOLE 0 0 913
TESLA INC COM 88160R101 242,061 576 SH SOLE 0 0 576
VANGUARD INDEX FDS GROWTH ETF 922908736 639,213 7,421 SH SOLE 0 0 7,421
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,247,554 3,628 SH SOLE 0 0 3,628
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 834,596 2,725 SH SOLE 0 0 2,725
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 643,004 3,254 SH SOLE 0 0 3,254
VANGUARD INDEX FDS MID CAP ETF 922908629 688,152 8,541 SH SOLE 0 0 8,541
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,018,301 2,939 SH SOLE 0 0 2,939
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,160,675 7,128 SH SOLE 0 0 7,128
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,074,934 2,939 SH SOLE 0 0 2,939
VANGUARD INDEX FDS TOTAL STK MKT 922908769 219,872 594 SH SOLE 0 0 594
VANGUARD INDEX FDS VALUE ETF 922908744 952,814 4,372 SH SOLE 0 0 4,372
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,607,914 26,938 SH SOLE 0 0 26,938
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 397,893 2,535 SH SOLE 0 0 2,535
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 951,622 18,814 SH SOLE 0 0 18,814
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 208,787 3,540 SH SOLE 0 0 3,540
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 215,092 2,602 SH SOLE 0 0 2,602
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,176,159 9,197 SH SOLE 0 0 9,197
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,305,602 8,262 SH SOLE 0 0 8,262
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 263,892 2,826 SH SOLE 0 0 2,826
VULCAN MATLS CO COM 929160109 210,540 714 SH SOLE 0 0 714