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   702,957 21,556 SH   SOLE   0 0 21,556
ALPS ETF TR OSHARES US SMLCP 00162Q395   3,082,334 68,390 SH   SOLE   0 0 68,390
APPLE INC COM 037833100   615,867 2,643 SH   SOLE   0 0 2,643
AUTOMATIC DATA PROCESSING IN COM 053015103   206,164 745 SH   SOLE   0 0 745
BLACKROCK INC COM 09247X101   324,085 341 SH   SOLE   0 0 341
CAMBRIA ETF TR CAMBRIA FGN SHR 132061300   3,100,223 111,319 SH   SOLE   0 0 111,319
CANADIAN PACIFIC KANSAS CITY COM 13646K108   246,697 2,884 SH   SOLE   0 0 2,884
CISCO SYS INC COM 17275R102   1,236,305 23,230 SH   SOLE   0 0 23,230
CSX CORP COM 126408103   3,625,772 105,004 SH   SOLE   0 0 105,004
DBX ETF TR XTRACK MSCI EAFE 233051200   840,708 20,007 SH   SOLE   0 0 20,007
DBX ETF TR XTRACK MSCI EURP 233051853   1,496,707 35,350 SH   SOLE   0 0 35,350
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,015,667 36,233 SH   SOLE   0 0 36,233
DREAM FINDERS HOMES INC COM CL A 26154D100   432,673 11,949 SH   SOLE   0 0 11,949
ETF SER SOLUTIONS DISTILLATE SMLMD 26922B667   5,894,444 163,462 SH   SOLE   0 0 163,462
ETF SER SOLUTIONS DISTILLATE US 26922A321   18,269,741 322,047 SH   SOLE   0 0 322,047
GENTEX CORP COM 371901109   1,276,710 43,001 SH   SOLE   0 0 43,001
HOME DEPOT INC COM 437076102   839,427 2,072 SH   SOLE   0 0 2,072
INVESCO MUNI INCOME OPP TRST COM 46132X101   132,951 19,381 SH   SOLE   0 0 19,381
ISHARES TR CORE MSCI EAFE 46432F842   437,691 5,608 SH   SOLE   0 0 5,608
ISHARES TR CORE S&P500 ETF 464287200   5,753,461 9,974 SH   SOLE   0 0 9,974
ISHARES TR EAFE SML CP ETF 464288273   1,177,184 17,388 SH   SOLE   0 0 17,388
ISHARES TR HDG MSCI EAFE 46434V803   674,908 19,054 SH   SOLE   0 0 19,054
ISHARES TR MSCI EAFE SMCP 46435G839   6,929,932 212,107 SH   SOLE   0 0 212,107
ISHARES TR MSCI USA MIN VOL 46429B697   603,218 6,606 SH   SOLE   0 0 6,606
ISHARES TR RUS 1000 GRW ETF 464287614   339,062 903 SH   SOLE   0 0 903
ISHARES TR RUS 1000 VAL ETF 464287598   374,072 1,971 SH   SOLE   0 0 1,971
ISHARES TR RUS 2000 VAL ETF 464287630   512,011 3,069 SH   SOLE   0 0 3,069
ISHARES TR RUS MDCP VAL ETF 464287473   624,973 4,726 SH   SOLE   0 0 4,726
LOWES COS INC COM 548661107   11,906,505 43,960 SH   SOLE   0 0 43,960
MARKEL GROUP INC COM 570535104   4,652,408 2,966 SH   SOLE   0 0 2,966
MASTERCARD INCORPORATED CL A 57636Q104   5,757,527 11,660 SH   SOLE   0 0 11,660
MERCK & CO INC COM 58933Y105   3,208,016 28,250 SH   SOLE   0 0 28,250
MICROSOFT CORP COM 594918104   3,993,028 9,280 SH   SOLE   0 0 9,280
NVR INC COM 62944T105   5,651,597 576 SH   SOLE   0 0 576
ORACLE CORP COM 68389X105   363,463 2,133 SH   SOLE   0 0 2,133
PAYCHEX INC COM 704326107   3,706,080 27,618 SH   SOLE   0 0 27,618
ROSS STORES INC COM 778296103   4,691,135 31,168 SH   SOLE   0 0 31,168
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   1,346,357 51,447 SH   SOLE   0 0 51,447
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,789,296 56,658 SH   SOLE   0 0 56,658
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,889,068 72,057 SH   SOLE   0 0 72,057
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   389,248 4,685 SH   SOLE   0 0 4,685
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   552,570 10,730 SH   SOLE   0 0 10,730
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   230,834 6,763 SH   SOLE   0 0 6,763
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   333,821 586 SH   SOLE   0 0 586
SPDR SER TR PRTFLO S&P500 VL 78464A508   322,657 6,104 SH   SOLE   0 0 6,104
SPDR SER TR RUSSELL LOW VOL 78468R754   5,692,712 43,860 SH   SOLE   0 0 43,860
SPDR SER TR S&P DIVID ETF 78464A763   686,661 4,834 SH   SOLE   0 0 4,834
SPDR SER TR SSGA US LRG ETF 78468R804   526,441 3,111 SH   SOLE   0 0 3,111
TJX COS INC NEW COM 872540109   1,028,616 8,751 SH   SOLE   0 0 8,751
ULTA BEAUTY INC COM 90384S303   2,310,984 5,939 SH   SOLE   0 0 5,939
UNION PAC CORP COM 907818108   3,678,298 14,923 SH   SOLE   0 0 14,923
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,000,110 5,965 SH   SOLE   0 0 5,965
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,844,171 5,390 SH   SOLE   0 0 5,390
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,137,954 5,668 SH   SOLE   0 0 5,668
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,307,519 4,618 SH   SOLE   0 0 4,618
VANGUARD INDEX FDS VALUE ETF 922908744   238,750 1,368 SH   SOLE   0 0 1,368
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   234,885 903 SH   SOLE   0 0 903
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   208,630 1,627 SH   SOLE   0 0 1,627
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   219,431 778 SH   SOLE   0 0 778
VISA INC COM CL A 92826C839   10,179,550 37,023 SH   SOLE   0 0 37,023
WILLIAMS SONOMA INC COM 969904101   1,547,511 9,989 SH   SOLE   0 0 9,989
WISDOMTREE TR EUR HDG SMLCAP 97717X552   1,149,340 29,478 SH   SOLE   0 0 29,478
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   11,726,175 256,590 SH   SOLE   0 0 256,590
WISDOMTREE TR JPN SCAP HDG EQT 97717W521   6,305,553 185,785 SH   SOLE   0 0 185,785
WISDOMTREE TR US MIDCAP DIVID 97717W505   403,416 7,890 SH   SOLE   0 0 7,890
WISDOMTREE TR US QTLY DIV GRT 97717X669   742,994 8,929 SH   SOLE   0 0 8,929