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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   375,040 2,187 SH   SOLE   0 0 2,187
AUTOMATIC DATA PROCESSING IN COM 053015103   211,030 845 SH   SOLE   0 0 845
BLACKROCK INC COM 09247X101   284,159 341 SH   SOLE   0 0 341
CAMBRIA ETF TR CAMBRIA FGN SHR 132061300   3,033,618 112,315 SH   SOLE   0 0 112,315
CANADIAN PACIFIC KANSAS CITY COM 13646K108   254,282 2,884 SH   SOLE   0 0 2,884
CISCO SYS INC COM 17275R102   1,261,056 25,267 SH   SOLE   0 0 25,267
CSX CORP COM 126408103   4,203,817 113,402 SH   SOLE   0 0 113,402
DBX ETF TR XTRACK MSCI EAFE 233051200   2,648,346 64,704 SH   SOLE   0 0 64,704
DBX ETF TR XTRACK MSCI EURP 233051853   1,271,355 30,971 SH   SOLE   0 0 30,971
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   4,463,223 81,999 SH   SOLE   0 0 81,999
GENTEX CORP COM 371901109   1,838,390 50,897 SH   SOLE   0 0 50,897
HOME DEPOT INC COM 437076102   712,638 1,858 SH   SOLE   0 0 1,858
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   350,173 3,049 SH   SOLE   0 0 3,049
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   684,937 12,029 SH   SOLE   0 0 12,029
INVESCO MUNI INCOME OPP TRST COM 46132X101   141,871 21,726 SH   SOLE   0 0 21,726
ISHARES TR CORE MSCI EAFE 46432F842   498,471 6,716 SH   SOLE   0 0 6,716
ISHARES TR CORE S&P500 ETF 464287200   5,604,643 10,661 SH   SOLE   0 0 10,661
ISHARES TR EAFE SML CP ETF 464288273   1,087,814 17,177 SH   SOLE   0 0 17,177
ISHARES TR GRWT ALLOCAT ETF 464289867   257,717 4,629 SH   SOLE   0 0 4,629
ISHARES TR HDG MSCI EAFE 46434V803   955,298 27,388 SH   SOLE   0 0 27,388
ISHARES TR MICRO-CAP ETF 464288869   234,194 1,932 SH   SOLE   0 0 1,932
ISHARES TR MSCI EAFE SMCP 46435G839   6,073,764 192,818 SH   SOLE   0 0 192,818
ISHARES TR MSCI USA MIN VOL 46429B697   664,605 7,952 SH   SOLE   0 0 7,952
ISHARES TR MSCI USA SMCP MN 46435G433   440,357 11,759 SH   SOLE   0 0 11,759
ISHARES TR RUS 1000 GRW ETF 464287614   349,725 1,038 SH   SOLE   0 0 1,038
ISHARES TR RUS 1000 VAL ETF 464287598   458,866 2,562 SH   SOLE   0 0 2,562
ISHARES TR RUS 2000 VAL ETF 464287630   724,770 4,564 SH   SOLE   0 0 4,564
ISHARES TR RUS MDCP VAL ETF 464287473   1,186,151 9,464 SH   SOLE   0 0 9,464
LOWES COS INC COM 548661107   8,930,698 35,059 SH   SOLE   0 0 35,059
MARKEL GROUP INC COM 570535104   3,672,853 2,414 SH   SOLE   0 0 2,414
MASTERCARD INCORPORATED CL A 57636Q104   5,603,817 11,637 SH   SOLE   0 0 11,637
MERCK & CO INC COM 58933Y105   3,809,702 28,872 SH   SOLE   0 0 28,872
MICROSOFT CORP COM 594918104   3,835,875 9,117 SH   SOLE   0 0 9,117
NVR INC COM 62944T105   1,538,992 190 SH   SOLE   0 0 190
ORACLE CORP COM 68389X105   304,353 2,423 SH   SOLE   0 0 2,423
PAYCHEX INC COM 704326107   1,875,692 15,274 SH   SOLE   0 0 15,274
ROSS STORES INC COM 778296103   4,577,596 31,191 SH   SOLE   0 0 31,191
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   4,991,375 205,745 SH   SOLE   0 0 205,745
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   19,406,675 240,688 SH   SOLE   0 0 240,688
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,674,211 75,318 SH   SOLE   0 0 75,318
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   546,730 6,714 SH   SOLE   0 0 6,714
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,001,083 20,331 SH   SOLE   0 0 20,331
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   232,580 7,161 SH   SOLE   0 0 7,161
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   381,690 686 SH   SOLE   0 0 686
SPDR SER TR PRTFLO S&P500 VL 78464A508   305,810 6,104 SH   SOLE   0 0 6,104
SPDR SER TR RUSSELL LOW VOL 78468R754   4,457,479 35,896 SH   SOLE   0 0 35,896
SPDR SER TR S&P DIVID ETF 78464A763   652,856 4,975 SH   SOLE   0 0 4,975
SPDR SER TR SSGA US LRG ETF 78468R804   509,650 3,272 SH   SOLE   0 0 3,272
SPDR SER TR SSGA US SMAL ETF 78468R887   930,553 8,306 SH   SOLE   0 0 8,306
TCW STRATEGIC INCOME FD INC COM 872340104   5,199,072 1,080,888 SH   SOLE   0 0 1,080,888
TJX COS INC NEW COM 872540109   890,954 8,785 SH   SOLE   0 0 8,785
UNION PAC CORP COM 907818108   3,667,862 14,914 SH   SOLE   0 0 14,914
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   5,221,198 33,489 SH   SOLE   0 0 33,489
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,682,418 5,580 SH   SOLE   0 0 5,580
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,832,081 35,606 SH   SOLE   0 0 35,606
VANGUARD INDEX FDS SMALL CP ETF 922908751   210,506 921 SH   SOLE   0 0 921
VANGUARD INDEX FDS TOTAL STK MKT 922908769   946,080 3,640 SH   SOLE   0 0 3,640
VANGUARD INDEX FDS VALUE ETF 922908744   239,118 1,468 SH   SOLE   0 0 1,468
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   263,540 3,041 SH   SOLE   0 0 3,041
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   214,456 900 SH   SOLE   0 0 900
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   249,309 2,061 SH   SOLE   0 0 2,061
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   289,253 1,069 SH   SOLE   0 0 1,069
VISA INC COM CL A 92826C839   9,808,835 35,147 SH   SOLE   0 0 35,147
WILLIAMS SONOMA INC COM 969904101   1,758,601 5,538 SH   SOLE   0 0 5,538
WISDOMTREE TR EUR HDG SMLCAP 97717X552   1,066,549 27,734 SH   SOLE   0 0 27,734
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   9,331,726 203,129 SH   SOLE   0 0 203,129
WISDOMTREE TR JPN SCAP HDG EQT 97717W521   3,319,444 99,117 SH   SOLE   0 0 99,117
WISDOMTREE TR US MIDCAP DIVID 97717W505   468,192 9,600 SH   SOLE   0 0 9,600