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
Estimated average burden
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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
23ANDME HOLDING CO CLASS A COM 90138Q108   205,914 90,313 SH   SOLE   90,313 0 0
3M CO COM 88579Y101   376,819 3,585 SH   SOLE   3,585 0 0
ABBOTT LABS COM 002824100   280,997 2,775 SH   SOLE   2,775 0 0
ABBVIE INC COM 00287Y109   398,425 2,500 SH   SOLE   2,500 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   351,260 1,229 SH   SOLE   1,229 0 0
ACTIVISION BLIZZARD INC COM 00507V109   222,791 2,603 SH   SOLE   2,603 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   485,952 1,261 SH   SOLE   1,261 0 0
ADVANCED MICRO DEVICES INC COM 007903107   281,583 2,873 SH   SOLE   2,873 0 0
ALCON AG ORD SHS H01301128   222,483 3,154 SH   SOLE   3,154 0 0
ALKERMES PLC SHS G01767105   284,719 10,100 SH   SOLE   10,100 0 0
ALPHABET INC CAP STK CL C 02079K107   343,720 3,305 SH   SOLE   3,305 0 0
ALPHABET INC CAP STK CL A 02079K305   1,319,238 12,718 SH   SOLE   12,718 0 0
ALPS ETF TR ALERIAN MLP 00162Q452   263,381 6,815 SH   SOLE   6,815 0 0
AMAZON COM INC COM 023135106   1,856,534 17,974 SH   SOLE   17,974 0 0
AMERICAN TOWER CORP NEW COM 03027X100   228,656 1,119 SH   SOLE   1,119 0 0
AMERIPRISE FINL INC COM 03076C106   302,516 987 SH   SOLE   987 0 0
AMGEN INC COM 031162100   236,915 980 SH   SOLE   980 0 0
ANSYS INC COM 03662Q105   330,138 992 SH   SOLE   992 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   213,607 3,382 SH   SOLE   3,382 0 0
APPLE INC COM 037833100   814,276 4,938 SH   SOLE   4,938 0 0
ATMOS ENERGY CORP COM 049560105   235,956 2,100 SH   SOLE   2,100 0 0
AUTODESK INC COM 052769106   247,086 1,187 SH   SOLE   1,187 0 0
BANCO SANTANDER S.A. ADR 05964H105   77,630 21,038 SH   SOLE   21,038 0 0
BLACKSTONE INC COM 09260D107   234,269 2,667 SH   SOLE   2,667 0 0
CAPITAL ONE FINL CORP COM 14040H105   223,091 2,320 SH   SOLE   2,320 0 0
CENTRAL SECS CORP COM 155123102   709,647 20,402 SH   SOLE   20,402 0 0
CINCINNATI FINL CORP COM 172062101   211,831 1,890 SH   SOLE   1,890 0 0
CLOROX CO DEL COM 189054109   225,017 1,422 SH   SOLE   1,422 0 0
COCA COLA CO COM 191216100   238,505 3,845 SH   SOLE   3,845 0 0
COPART INC COM 217204106   349,651 4,649 SH   SOLE   4,649 0 0
CORTEVA INC COM 22052L104   356,432 5,910 SH   SOLE   5,910 0 0
COSTCO WHSL CORP NEW COM 22160K105   380,106 765 SH   SOLE   765 0 0
COTERRA ENERGY INC COM 127097103   207,854 8,470 SH   SOLE   8,470 0 0
CROWN CASTLE INC COM 22822V101   248,942 1,860 SH   SOLE   1,860 0 0
CUE HEALTH INC COM 229790100   75,255 41,349 SH   SOLE   41,349 0 0
DANAHER CORPORATION COM 235851102   326,392 1,295 SH   SOLE   1,295 0 0
DENTSPLY SIRONA INC COM 24906P109   539,746 13,741 SH   SOLE   13,741 0 0
ECOLAB INC COM 278865100   282,560 1,707 SH   SOLE   1,707 0 0
ETSY INC COM 29786A106   290,237 2,607 SH   SOLE   2,607 0 0
EVOLV TECHNOLOGIES HLDNGS IN COM CL A 30049H102   63,236 20,268 SH   SOLE   20,268 0 0
FARFETCH LTD ORD SH CL A 30744W107   212,210 43,220 SH   SOLE   43,220 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   2,442,334 16,519 SH   SOLE   16,519 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795   200,579 3,861 SH   SOLE   3,861 0 0
FLEXSHARES TR FLEXSHARES ULTRA 33939L886   271,674 3,632 SH   SOLE   3,632 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   422,942 10,001 SH   SOLE   10,001 0 0
HEALTHCARE RLTY TR CL A COM 42226K105   283,610 14,672 SH   SOLE   14,672 0 0
HONEYWELL INTL INC COM 438516106   213,290 1,116 SH   SOLE   1,116 0 0
INTUIT COM 461202103   261,702 587 SH   SOLE   587 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   4,011,136 12,498 SH   SOLE   12,498 0 0
ISHARES INC CORE MSCI EMKT 46434G103   488,662 10,016 SH   SOLE   10,016 0 0
ISHARES TR MSCI ACWI ETF 464288257   122,752,505 1,346,561 SH   SOLE   1,346,561 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   100,542,858 427,097 SH   SOLE   427,097 0 0
ISHARES TR SP SMCP600VL ETF 464287879   867,518 9,269 SH   SOLE   9,269 0 0
ISHARES TR CORE DIV GRWTH 46434V621   6,882,644 137,680 SH   SOLE   137,680 0 0
ISHARES TR CORE US AGGBD ET 464287226   803,668 8,066 SH   SOLE   8,066 0 0
ISHARES TR MSCI INTL VLU FT 46435G409   47,115,079 1,900,568 SH   SOLE   1,900,568 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   15,090,277 207,455 SH   SOLE   207,455 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   6,304,612 159,772 SH   SOLE   159,772 0 0
ISHARES TR CORE S&P MCP ETF 464287507   15,608,733 62,395 SH   SOLE   62,395 0 0
ISHARES TR US TREAS BD ETF 46429B267   792,279 33,887 SH   SOLE   33,887 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867   419,101 8,377 SH   SOLE   8,377 0 0
ISHARES TR NATIONAL MUN ETF 464288414   219,218 2,035 SH   SOLE   2,035 0 0
ISHARES TR CORE S&P500 ETF 464287200   7,008,557 17,049 SH   SOLE   17,049 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   489,642 7,664 SH   SOLE   7,664 0 0
ISHARES TR MSCI EAFE ETF 464287465   12,568,244 175,730 SH   SOLE   175,730 0 0
ISHARES TR RUS 1000 ETF 464287622   217,535 966 SH   SOLE   966 0 0
ISHARES TR RUS MID CAP ETF 464287499   6,172,328 88,277 SH   SOLE   88,277 0 0
ISHARES TR CORE MSCI EAFE 46432F842   9,124,853 136,497 SH   SOLE   136,497 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   346,353 1,418 SH   SOLE   1,418 0 0
ISHARES TR CORE S&P SCP ETF 464287804   9,216,218 95,307 SH   SOLE   95,307 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   14,011,614 119,096 SH   SOLE   119,096 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   3,242,105 18,173 SH   SOLE   18,173 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   212,875 1,398 SH   SOLE   1,398 0 0
JOHNSON & JOHNSON COM 478160104   330,150 2,130 SH   SOLE   2,130 0 0
KIMBERLY-CLARK CORP COM 494368103   494,466 3,684 SH   SOLE   3,684 0 0
LENNAR CORP CL A 526057104   275,704 2,623 SH   SOLE   2,623 0 0
LINDE PLC SHS G54950103   250,585 705 SH   SOLE   705 0 0
MARQETA INC CLASS A COM 57142B104   125,099 27,374 SH   SOLE   27,374 0 0
MARTIN MARIETTA MATLS INC COM 573284106   260,259 733 SH   SOLE   733 0 0
MASTERCARD INCORPORATED CL A 57636Q104   807,860 2,223 SH   SOLE   2,223 0 0
MERCK & CO INC COM 58933Y105   259,060 2,435 SH   SOLE   2,435 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   306,551 3,659 SH   SOLE   3,659 0 0
MICROSOFT CORP COM 594918104   2,295,733 7,963 SH   SOLE   7,963 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   129,602 20,282 SH   SOLE   20,282 0 0
MUELLER WTR PRODS INC COM SER A 624758108   234,485 16,821 SH   SOLE   16,821 0 0
NIKE INC CL B 654106103   336,647 2,745 SH   SOLE   2,745 0 0
NORTHERN TR CORP COM 665859104   345,205 3,917 SH   SOLE   3,917 0 0
NU HLDGS LTD ORD SHS CL A G6683N103   66,878 14,050 SH   SOLE   14,050 0 0
ONEMAIN HLDGS INC COM 68268W103   683,088 18,422 SH   SOLE   18,422 0 0
OSCAR HEALTH INC CL A 687793109   212,086 32,429 SH   SOLE   32,429 0 0
PARKER-HANNIFIN CORP COM 701094104   313,927 934 SH   SOLE   934 0 0
PAYPAL HLDGS INC COM 70450Y103   213,315 2,809 SH   SOLE   2,809 0 0
PROCTER AND GAMBLE CO COM 742718109   221,548 1,490 SH   SOLE   1,490 0 0
QUALCOMM INC COM 747525103   237,554 1,862 SH   SOLE   1,862 0 0
RLX TECHNOLOGY INC SPONSORED ADS 74969N103   47,801 16,483 SH   SOLE   16,483 0 0
RPM INTL INC COM 749685103   203,880 2,337 SH   SOLE   2,337 0 0
SALESFORCE INC COM 79466L302   246,329 1,233 SH   SOLE   1,233 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   7,723,619 314,993 SH   SOLE   314,993 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   12,280,635 352,892 SH   SOLE   352,892 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   75,702,322 1,582,076 SH   SOLE   1,582,076 0 0
SHOPIFY INC CL A 82509L107   244,494 5,100 SH   SOLE   5,100 0 0
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205   345,665 12,385 SH   SOLE   12,385 0 0
SNOWFLAKE INC CL A 833445109   311,357 2,018 SH   SOLE   2,018 0 0
SONY GROUP CORPORATION SPONSORED ADR 835699307   251,010 2,769 SH   SOLE   2,769 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   73,569,957 179,706 SH   SOLE   179,706 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   30,089,799 543,530 SH   SOLE   543,530 0 0
SPDR SER TR S&P BIOTECH 78464A870   3,286,480 43,124 SH   SOLE   43,124 0 0
STARBUCKS CORP COM 855244109   234,605 2,253 SH   SOLE   2,253 0 0
TRAVELERS COMPANIES INC COM 89417E109   300,653 1,754 SH   SOLE   1,754 0 0
UNITEDHEALTH GROUP INC COM 91324P102   520,794 1,102 SH   SOLE   1,102 0 0
UNIVERSAL HLTH SVCS INC CL B 913903100   247,972 1,951 SH   SOLE   1,951 0 0
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   339,604 7,308 SH   SOLE   7,308 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   73,874,197 534,894 SH   SOLE   534,894 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   7,066,269 85,095 SH   SOLE   85,095 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   54,397,133 266,522 SH   SOLE   266,522 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,733,597 42,911 SH   SOLE   42,911 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   10,359,722 204,495 SH   SOLE   204,495 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   346,204 5,285 SH   SOLE   5,285 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   994,255 16,984 SH   SOLE   16,984 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   37,183,048 823,180 SH   SOLE   823,180 0 0
VISA INC COM CL A 92826C839   206,296 915 SH   SOLE   915 0 0
VULCAN MATLS CO COM 929160109   502,156 2,927 SH   SOLE   2,927 0 0
XCEL ENERGY INC COM 98389B100   223,294 3,311 SH   SOLE   3,311 0 0
XYLEM INC COM 98419M100   244,265 2,333 SH   SOLE   2,333 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   202,198 1,565 SH   SOLE   1,565 0 0
ZOETIS INC CL A 98978V103   326,056 1,959 SH   SOLE   1,959 0 0