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
2023 ETF SERIES TRUST II GMO US QUALITY E 90139K100   1,806,976 56,521 SH   SOLE   0 0 56,521
ALPS ETF TR OSHARES US SMLCP 00162Q395   4,315,199 98,701 SH   SOLE   0 0 98,701
APPLE INC COM 037833100   661,927 2,643 SH   SOLE   0 0 2,643
AUTOMATIC DATA PROCESSING IN COM 053015103   218,084 745 SH   SOLE   0 0 745
BLACKROCK INC COM 09290D101   350,094 342 SH   SOLE   0 0 342
CAMBRIA ETF TR CAMBRIA FGN SHR 132061300   2,816,626 111,727 SH   SOLE   0 0 111,727
CANADIAN PACIFIC KANSAS CITY COM 13646K108   208,715 2,884 SH   SOLE   0 0 2,884
CISCO SYS INC COM 17275R102   1,343,319 22,691 SH   SOLE   0 0 22,691
CSX CORP COM 126408103   229,541 7,113 SH   SOLE   0 0 7,113
DBX ETF TR XTRACK MSCI EAFE 233051200   819,219 19,788 SH   SOLE   0 0 19,788
DBX ETF TR XTRACK MSCI EURP 233051853   1,633,335 39,635 SH   SOLE   0 0 39,635
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,777,146 31,929 SH   SOLE   0 0 31,929
ETF SER SOLUTIONS DISTILLATE SMLMD 26922B667   6,669,793 190,830 SH   SOLE   0 0 190,830
ETF SER SOLUTIONS DISTILLATE US 26922A321   18,633,937 339,269 SH   SOLE   0 0 339,269
HOME DEPOT INC COM 437076102   793,859 2,041 SH   SOLE   0 0 2,041
ISHARES TR CORE MSCI EAFE 46432F842   395,955 5,634 SH   SOLE   0 0 5,634
ISHARES TR CORE S&P500 ETF 464287200   5,834,048 9,910 SH   SOLE   0 0 9,910
ISHARES TR EAFE SML CP ETF 464288273   1,064,068 17,516 SH   SOLE   0 0 17,516
ISHARES TR HDG MSCI EAFE 46434V803   665,755 19,158 SH   SOLE   0 0 19,158
ISHARES TR MICRO-CAP ETF 464288869   208,123 1,596 SH   SOLE   0 0 1,596
ISHARES TR MSCI EAFE SMCP 46435G839   8,053,618 251,597 SH   SOLE   0 0 251,597
ISHARES TR MSCI USA MIN VOL 46429B697   587,334 6,615 SH   SOLE   0 0 6,615
ISHARES TR RUS 1000 GRW ETF 464287614   362,763 903 SH   SOLE   0 0 903
ISHARES TR RUS 1000 VAL ETF 464287598   355,611 1,921 SH   SOLE   0 0 1,921
ISHARES TR RUS 2000 VAL ETF 464287630   492,446 3,000 SH   SOLE   0 0 3,000
ISHARES TR RUS MDCP VAL ETF 464287473   611,560 4,728 SH   SOLE   0 0 4,728
LOWES COS INC COM 548661107   12,908,319 52,303 SH   SOLE   0 0 52,303
MARKEL GROUP INC COM 570535104   8,061,494 4,670 SH   SOLE   0 0 4,670
MASTERCARD INCORPORATED CL A 57636Q104   6,140,993 11,662 SH   SOLE   0 0 11,662
MERCK & CO INC COM 58933Y105   2,804,641 28,193 SH   SOLE   0 0 28,193
MICROSOFT CORP COM 594918104   3,912,149 9,281 SH   SOLE   0 0 9,281
NVR INC COM 62944T105   7,769,955 950 SH   SOLE   0 0 950
ORACLE CORP COM 68389X105   355,443 2,133 SH   SOLE   0 0 2,133
PACER FDS TR US CASH COWS 100 69374H881   2,082,527 36,872 SH   SOLE   0 0 36,872
PAYCHEX INC COM 704326107   3,851,779 27,470 SH   SOLE   0 0 27,470
ROSS STORES INC COM 778296103   4,711,679 31,147 SH   SOLE   0 0 31,147
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   1,194,468 51,664 SH   SOLE   0 0 51,664
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,776,216 174,825 SH   SOLE   0 0 174,825
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,635,799 243,132 SH   SOLE   0 0 243,132
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   376,961 13,604 SH   SOLE   0 0 13,604
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   549,698 21,257 SH   SOLE   0 0 21,257
SIMPSON MFG INC COM 829073105   4,115,735 24,819 SH   SOLE   0 0 24,819
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   206,386 6,661 SH   SOLE   0 0 6,661
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   333,774 586 SH   SOLE   0 0 586
SPDR SER TR PRTFLO S&P500 VL 78464A508   312,159 6,104 SH   SOLE   0 0 6,104
SPDR SER TR RUSSELL LOW VOL 78468R754   4,462,040 35,563 SH   SOLE   0 0 35,563
SPDR SER TR S&P DIVID ETF 78464A763   614,540 4,652 SH   SOLE   0 0 4,652
SPDR SER TR SSGA US LRG ETF 78468R804   499,635 3,024 SH   SOLE   0 0 3,024
TJX COS INC NEW COM 872540109   1,053,790 8,723 SH   SOLE   0 0 8,723
ULTA BEAUTY INC COM 90384S303   4,540,669 10,440 SH   SOLE   0 0 10,440
UNION PAC CORP COM 907818108   911,912 3,999 SH   SOLE   0 0 3,999
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   955,695 5,908 SH   SOLE   0 0 5,908
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,338,051 6,195 SH   SOLE   0 0 6,195
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,113,532 5,619 SH   SOLE   0 0 5,619
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,333,237 4,600 SH   SOLE   0 0 4,600
VANGUARD INDEX FDS VALUE ETF 922908744   214,741 1,268 SH   SOLE   0 0 1,268
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   241,315 905 SH   SOLE   0 0 905
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   207,772 1,628 SH   SOLE   0 0 1,628
VISA INC COM CL A 92826C839   15,156,930 47,959 SH   SOLE   0 0 47,959
WILLIAMS SONOMA INC COM 969904101   1,852,482 10,004 SH   SOLE   0 0 10,004
WISDOMTREE TR EUR HDG SMLCAP 97717X552   1,403,482 36,721 SH   SOLE   0 0 36,721
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   12,789,236 294,208 SH   SOLE   0 0 294,208
WISDOMTREE TR JPN SCAP HDG EQT 97717W521   7,526,756 217,662 SH   SOLE   0 0 217,662
WISDOMTREE TR US MIDCAP DIVID 97717W505   391,959 7,690 SH   SOLE   0 0 7,690
WISDOMTREE TR US QTLY DIV GRT 97717X669   3,662,656 45,257 SH   SOLE   0 0 45,257