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
AMGEN INC COM 031162100   2,343,985 8,138 SH   SOLE   0 0 8,138
APPLE INC COM 037833100   434,542 2,257 SH   SOLE   0 0 2,257
BLACKROCK INC COM 09247X101   784,000 966 SH   SOLE   0 0 966
CAMBRIA ETF TR CAMBRIA FGN SHR 132061300   2,860,528 110,959 SH   SOLE   0 0 110,959
CANADIAN PACIFIC KANSAS CITY COM 13646K108   228,009 2,884 SH   SOLE   0 0 2,884
CISCO SYS INC COM 17275R102   1,401,638 27,744 SH   SOLE   0 0 27,744
CSX CORP COM 126408103   3,948,317 113,883 SH   SOLE   0 0 113,883
DBX ETF TR XTRACK MSCI EAFE 233051200   2,320,018 62,737 SH   SOLE   0 0 62,737
DBX ETF TR XTRACK MSCI EURP 233051853   1,129,276 29,896 SH   SOLE   0 0 29,896
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   3,796,432 72,548 SH   SOLE   0 0 72,548
DOLLAR GEN CORP NEW COM 256677105   1,850,653 13,613 SH   SOLE   0 0 13,613
EAST WEST BANCORP INC COM 27579R104   1,086,643 15,103 SH   SOLE   0 0 15,103
GENTEX CORP COM 371901109   1,657,623 50,754 SH   SOLE   0 0 50,754
HOME DEPOT INC COM 437076102   632,490 1,825 SH   SOLE   0 0 1,825
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   277,268 3,087 SH   SOLE   0 0 3,087
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   678,841 12,532 SH   SOLE   0 0 12,532
INVESCO MUNI INCOME OPP TRST COM 46132X101   160,049 25,204 SH   SOLE   0 0 25,204
ISHARES TR CORE MSCI EAFE 46432F842   472,479 6,716 SH   SOLE   0 0 6,716
ISHARES TR CORE S&P500 ETF 464287200   5,170,011 10,824 SH   SOLE   0 0 10,824
ISHARES TR EAFE SML CP ETF 464288273   1,069,642 17,280 SH   SOLE   0 0 17,280
ISHARES TR GRWT ALLOCAT ETF 464289867   269,172 5,061 SH   SOLE   0 0 5,061
ISHARES TR HDG MSCI EAFE 46434V803   884,894 28,083 SH   SOLE   0 0 28,083
ISHARES TR MICRO-CAP ETF 464288869   238,719 2,057 SH   SOLE   0 0 2,057
ISHARES TR MSCI EAFE SMCP 46435G839   5,640,787 192,503 SH   SOLE   0 0 192,503
ISHARES TR MSCI USA MIN VOL 46429B697   583,020 7,472 SH   SOLE   0 0 7,472
ISHARES TR MSCI USA SMCP MN 46435G433   448,693 12,572 SH   SOLE   0 0 12,572
ISHARES TR RUS 1000 GRW ETF 464287614   380,094 1,254 SH   SOLE   0 0 1,254
ISHARES TR RUS 1000 VAL ETF 464287598   426,778 2,583 SH   SOLE   0 0 2,583
ISHARES TR RUS 2000 VAL ETF 464287630   744,620 4,794 SH   SOLE   0 0 4,794
ISHARES TR RUS MDCP VAL ETF 464287473   1,128,134 9,701 SH   SOLE   0 0 9,701
LOWES COS INC COM 548661107   7,913,775 35,560 SH   SOLE   0 0 35,560
MARKEL GROUP INC COM 570535104   2,916,475 2,054 SH   SOLE   0 0 2,054
MASTERCARD INCORPORATED CL A 57636Q104   5,149,356 12,073 SH   SOLE   0 0 12,073
MERCK & CO INC COM 58933Y105   3,125,705 28,671 SH   SOLE   0 0 28,671
MICROSOFT CORP COM 594918104   3,429,836 9,121 SH   SOLE   0 0 9,121
ORACLE CORP COM 68389X105   255,457 2,423 SH   SOLE   0 0 2,423
PAYCHEX INC COM 704326107   459,758 3,860 SH   SOLE   0 0 3,860
REGENCY CTRS CORP COM 758849103   3,190,167 47,614 SH   SOLE   0 0 47,614
ROSS STORES INC COM 778296103   4,614,929 33,347 SH   SOLE   0 0 33,347
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   5,019,693 204,136 SH   SOLE   0 0 204,136
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   17,979,136 236,164 SH   SOLE   0 0 236,164
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,365,833 77,408 SH   SOLE   0 0 77,408
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   524,195 6,960 SH   SOLE   0 0 6,960
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,088,845 23,049 SH   SOLE   0 0 23,049
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   227,424 7,161 SH   SOLE   0 0 7,161
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   348,063 686 SH   SOLE   0 0 686
SPDR SER TR PRTFLO S&P500 VL 78464A508   284,630 6,104 SH   SOLE   0 0 6,104
SPDR SER TR RUSSELL LOW VOL 78468R754   3,998,987 34,947 SH   SOLE   0 0 34,947
SPDR SER TR S&P DIVID ETF 78464A763   674,064 5,394 SH   SOLE   0 0 5,394
SPDR SER TR SSGA US LRG ETF 78468R804   579,485 3,996 SH   SOLE   0 0 3,996
SPDR SER TR SSGA US SMAL ETF 78468R887   938,002 8,336 SH   SOLE   0 0 8,336
TCW STRATEGIC INCOME FD INC COM 872340104   5,205,917 1,134,187 SH   SOLE   0 0 1,134,187
TJX COS INC NEW COM 872540109   801,348 8,542 SH   SOLE   0 0 8,542
UNION PAC CORP COM 907818108   3,635,099 14,800 SH   SOLE   0 0 14,800
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,912,178 33,875 SH   SOLE   0 0 33,875
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,474,646 5,665 SH   SOLE   0 0 5,665
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,556,163 36,429 SH   SOLE   0 0 36,429
VANGUARD INDEX FDS SMALL CP ETF 922908751   231,423 1,085 SH   SOLE   0 0 1,085
VANGUARD INDEX FDS TOTAL STK MKT 922908769   825,323 3,479 SH   SOLE   0 0 3,479
VANGUARD INDEX FDS VALUE ETF 922908744   219,322 1,467 SH   SOLE   0 0 1,467
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   253,354 3,247 SH   SOLE   0 0 3,247
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   268,232 2,403 SH   SOLE   0 0 2,403
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   284,985 1,137 SH   SOLE   0 0 1,137
VISA INC COM CL A 92826C839   9,259,437 35,565 SH   SOLE   0 0 35,565
WILLIAMS SONOMA INC COM 969904101   1,131,473 5,607 SH   SOLE   0 0 5,607
WISDOMTREE TR EUR HDG SMLCAP 97717X552   951,619 26,431 SH   SOLE   0 0 26,431
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   8,612,783 205,115 SH   SOLE   0 0 205,115
WISDOMTREE TR JPN SCAP HDG EQT 97717W521   2,797,751 93,790 SH   SOLE   0 0 93,790
WISDOMTREE TR US MIDCAP DIVID 97717W505   446,003 9,762 SH   SOLE   0 0 9,762