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 247,317 9,560 SH SOLE 0 0 9,560
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 437,619 2,349 SH SOLE 0 0 2,349
ALPHABET INC CAP STK CL A 02079K305 1,843,606 5,358 SH SOLE 0 0 5,358
ALPHABET INC CAP STK CL C 02079K107 1,117,452 3,279 SH SOLE 0 0 3,279
AMAZON COM INC COM 023135106 477,192 1,915 SH SOLE 0 0 1,915
APPLE INC COM 037833100 1,666,464 5,004 SH SOLE 0 0 5,004
ARS PHARMACEUTICALS INC COM 82835W108 358,700 83,225 SH SOLE 0 0 83,225
BANCORP INC DEL COM 05969A105 339,095 7,041 SH SOLE 0 0 7,041
BERKSHIRE HATHAWAY INC DEL CL A 084670108 3,735,025 5 SH SOLE 0 0 5
CATERPILLAR INC COM 149123101 265,812 328 SH SOLE 0 0 328
CHUBB LIMITED COM H1467J104 650,500 2,000 SH SOLE 0 0 2,000
CORNING INC COM 219350105 244,633 1,591 SH SOLE 0 0 1,591
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 1,429,506 34,504 SH SOLE 0 0 34,504
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 1,759,287 39,579 SH SOLE 0 0 39,579
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 595,504 16,086 SH SOLE 0 0 16,086
DULUTH HLDGS INC COM CL B 26443V101 52,865 13,555 SH SOLE 0 0 13,555
ELI LILLY & CO COM 532457108 200,520 173 SH SOLE 0 0 173
HERSHEY CO COM 427866108 602,071 3,820 SH SOLE 0 0 3,820
INNVENTURE INC COM 45784M108 5,731 10,000 SH SOLE 0 0 10,000
INVESCO QQQ TR UNIT SER 1 46090E103 625,106 845 SH SOLE 0 0 845
ISHARES INC CORE MSCI EMKT 46434G103 1,214,511 14,964 SH SOLE 0 0 14,964
ISHARES SILVER TR ISHARES 46428Q109 209,319 3,840 SH SOLE 0 0 3,840
ISHARES TR CORE MSCI EAFE 46432F842 56,834,517 586,649 SH SOLE 0 0 586,649
ISHARES TR CORE S&P MCP ETF 464287507 27,463,709 381,705 SH SOLE 0 0 381,705
ISHARES TR CORE S&P SCP ETF 464287804 26,146,901 192,200 SH SOLE 0 0 192,200
ISHARES TR CORE S&P TTL STK 464287150 359,716 2,163 SH SOLE 0 0 2,163
ISHARES TR CORE S&P US GWT 464287671 3,271,490 16,885 SH SOLE 0 0 16,885
ISHARES TR CORE S&P US VLU 464287663 3,746,818 33,975 SH SOLE 0 0 33,975
ISHARES TR CORE S&P500 ETF 464287200 155,746,955 203,365 SH SOLE 0 0 203,365
ISHARES TR CORE US AGGBD ET 464287226 4,938,607 52,238 SH SOLE 0 0 52,238
ISHARES TR IBDS DEC28 ETF 46435U515 330,646 13,247 SH SOLE 0 0 13,247
ISHARES TR IBONDS 27 ETF 46435UAA9 332,019 13,765 SH SOLE 0 0 13,765
ISHARES TR IBONDS DEC2026 46435GAA0 331,403 13,672 SH SOLE 0 0 13,672
ISHARES TR MSCI EAFE MIN VL 46429B689 1,431,274 15,708 SH SOLE 0 0 15,708
ISHARES TR MSCI INTL QUALTY 46434V456 276,439 5,588 SH SOLE 0 0 5,588
ISHARES TR MSCI USA MIN ETF 46429B697 707,071 7,256 SH SOLE 0 0 7,256
ISHARES TR RUS 1000 ETF 464287622 375,792 903 SH SOLE 0 0 903
ISHARES TR RUS 1000 GRW ETF 464287614 4,758,324 37,988 SH SOLE 0 0 37,988
ISHARES TR RUS 2000 VAL ETF 464287630 471,152 2,249 SH SOLE 0 0 2,249
ISHARES TR RUS MID CAP ETF 464287499 660,596 6,191 SH SOLE 0 0 6,191
ISHARES TR RUSSELL 2000 ETF 464287655 405,654 1,460 SH SOLE 0 0 1,460
ISHARES TR SP SMCP600VL ETF 464287879 320,034 2,498 SH SOLE 0 0 2,498
ISHARES TR ULTRA SHORT DUR 46434V878 1,285,413 25,504 SH SOLE 0 0 25,504
LAM RESEARCH CORP COM NEW 512807306 328,510 1,000 SH SOLE 0 0 1,000
LOCKHEED MARTIN CORP COM 539830109 317,414 623 SH SOLE 0 0 623
META PLATFORMS INC CL A 30303M102 311,671 430 SH SOLE 0 0 430
MICROSOFT CORP COM 594918104 561,182 1,094 SH SOLE 0 0 1,094
NERVGEN PHARMA CORP COM 64082X203 1,593,238 834,156 SH SOLE 0 0 834,156
NVIDIA CORPORATION COM 67066G104 857,495 3,755 SH SOLE 0 0 3,755
PAYCHEX INC COM 704326107 403,850 4,100 SH SOLE 0 0 4,100
PHILIP MORRIS INTL INC COM 718172109 228,984 1,200 SH SOLE 0 0 1,200
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 597,466 16,391 SH SOLE 0 0 16,391
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9,220,601 335,661 SH SOLE 0 0 335,661
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 326,747 13,694 SH SOLE 0 0 13,694
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,043,840 47,233 SH SOLE 0 0 47,233
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 9,293,798 317,086 SH SOLE 0 0 317,086
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,688,923 144,141 SH SOLE 0 0 144,141
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,805,368 78,079 SH SOLE 0 0 78,079
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,547,572 76,481 SH SOLE 0 0 76,481
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 26,921,594 897,386 SH SOLE 0 0 897,386
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 9,689,194 284,809 SH SOLE 0 0 284,809
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,351,186 194,643 SH SOLE 0 0 194,643
SCHWAB STRATEGIC TR US TIPS ETF 808524870 280,627 11,167 SH SOLE 0 0 11,167
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 353,549 3,305 SH SOLE 0 0 3,305
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 696,859 914 SH SOLE 0 0 914
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 709,108 7,869 SH SOLE 0 0 7,869
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 1,279,597 3,637 SH SOLE 0 0 3,637
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 796,419 2,727 SH SOLE 0 0 2,727
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 636,268 3,254 SH SOLE 0 0 3,254
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 670,006 8,544 SH SOLE 0 0 8,544
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 993,019 2,939 SH SOLE 0 0 2,939
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 2,028,976 7,132 SH SOLE 0 0 7,132
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 253,865 678 SH SOLE 0 0 678
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 960,956 4,447 SH SOLE 0 0 4,447
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,064,913 2,946 SH SOLE 0 0 2,946
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,600,173 26,980 SH SOLE 0 0 26,980
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 400,265 2,536 SH SOLE 0 0 2,536
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 891,040 18,814 SH SOLE 0 0 18,814
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 202,602 3,576 SH SOLE 0 0 3,576
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 206,344 2,635 SH SOLE 0 0 2,635
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,002,140 8,581 SH SOLE 0 0 8,581
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,283,493 8,270 SH SOLE 0 0 8,270
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 266,831 2,826 SH SOLE 0 0 2,826