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
hours per response: 23.8
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   158,048 90,313 SH   SOLE   0 0 0
3M CO COM 88579Y101   419,277 4,189 SH   SOLE   0 0 0
ABBOTT LABS COM 002824100   271,242 2,488 SH   SOLE   0 0 0
ABBVIE INC COM 00287Y109   306,511 2,275 SH   SOLE   0 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   432,938 1,403 SH   SOLE   0 0 0
ACTIVISION BLIZZARD INC COM 00507V109   215,555 2,557 SH   SOLE   0 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   391,192 800 SH   SOLE   0 0 0
ADVANCED MICRO DEVICES INC COM 007903107   292,977 2,572 SH   SOLE   0 0 0
ALCON AG ORD SHS H01301128   252,488 3,075 SH   SOLE   0 0 0
ALKERMES PLC SHS G01767105   266,050 8,500 SH   SOLE   0 0 0
ALPHABET INC CAP STK CL A 02079K305   1,612,239 13,469 SH   SOLE   0 0 0
ALPHABET INC CAP STK CL C 02079K107   384,685 3,180 SH   SOLE   0 0 0
ALPS ETF TR ALERIAN MLP 00162Q452   267,197 6,815 SH   SOLE   0 0 0
AMAZON COM INC COM 023135106   2,099,448 16,105 SH   SOLE   0 0 0
AMERIPRISE FINL INC COM 03076C106   319,538 962 SH   SOLE   0 0 0
AMGEN INC COM 031162100   213,583 962 SH   SOLE   0 0 0
ANSYS INC COM 03662Q105   318,050 963 SH   SOLE   0 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   220,522 2,871 SH   SOLE   0 0 0
APPLE INC COM 037833100   806,527 4,158 SH   SOLE   0 0 0
ATMOS ENERGY CORP COM 049560105   239,428 2,058 SH   SOLE   0 0 0
AUTODESK INC COM 052769106   235,915 1,153 SH   SOLE   0 0 0
BANCO SANTANDER S.A. ADR 05964H105   78,051 21,038 SH   SOLE   0 0 0
BLACKSTONE INC COM 09260D107   464,385 4,995 SH   SOLE   0 0 0
BUTTERFLY NETWORK INC COM CL A 124155102   23,881 10,383 SH   SOLE   0 0 0
CAPITAL ONE FINL CORP COM 14040H105   245,536 2,245 SH   SOLE   0 0 0
CARLYLE GROUP INC COM 14316J108   271,256 8,490 SH   SOLE   0 0 0
CENTRAL SECS CORP COM 155123102   744,877 20,402 SH   SOLE   0 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   252,402 118 SH   SOLE   0 0 0
COCA COLA CO COM 191216100   229,438 3,810 SH   SOLE   0 0 0
COPART INC COM 217204106   308,107 3,378 SH   SOLE   0 0 0
CORTEVA INC COM 22052L104   332,455 5,802 SH   SOLE   0 0 0
COSTAR GROUP INC COM 22160N109   266,822 2,998 SH   SOLE   0 0 0
COSTCO WHSL CORP NEW COM 22160K105   422,628 785 SH   SOLE   0 0 0
COTERRA ENERGY INC COM 127097103   210,167 8,307 SH   SOLE   0 0 0
CROWN CASTLE INC COM 22822V101   209,080 1,835 SH   SOLE   0 0 0
CUE HEALTH INC COM 229790100   15,258 41,349 SH   SOLE   0 0 0
CULLEN FROST BANKERS INC COM 229899109   204,415 1,901 SH   SOLE   0 0 0
DANAHER CORPORATION COM 235851102   312,000 1,300 SH   SOLE   0 0 0
DENTSPLY SIRONA INC COM 24906P109   406,923 10,168 SH   SOLE   0 0 0
ECOLAB INC COM 278865100   217,867 1,167 SH   SOLE   0 0 0
ETSY INC COM 29786A106   220,578 2,607 SH   SOLE   0 0 0
FARFETCH LTD ORD SH CL A 30744W107   261,049 43,220 SH   SOLE   0 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   2,692,432 16,519 SH   SOLE   0 0 0
FLEXSHARES TR FLEXSHARES ULTRA 33939L886   272,237 3,632 SH   SOLE   0 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   400,740 10,001 SH   SOLE   0 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795   202,181 3,861 SH   SOLE   0 0 0
HEALTHCARE RLTY TR CL A COM 42226K105   258,948 13,730 SH   SOLE   0 0 0
HONEYWELL INTL INC COM 438516106   228,250 1,100 SH   SOLE   0 0 0
INTUIT COM 461202103   271,707 593 SH   SOLE   0 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   4,379,709 11,856 SH   SOLE   0 0 0
ISHARES GOLD TR ISHARES NEW 464285204   303,711 8,346 SH   SOLE   0 0 0
ISHARES INC CORE MSCI EMKT 46434G103   494,328 10,029 SH   SOLE   0 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   509,706 7,232 SH   SOLE   0 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   7,643,373 193,210 SH   SOLE   0 0 0
ISHARES TR CORE S&P MCP ETF 464287507   15,658,370 59,884 SH   SOLE   0 0 0
ISHARES TR RUS MID CAP ETF 464287499   6,446,869 88,277 SH   SOLE   0 0 0
ISHARES TR CORE US AGGBD ET 464287226   3,392,579 34,636 SH   SOLE   0 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   1,631,863 14,158 SH   SOLE   0 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   15,420,130 207,455 SH   SOLE   0 0 0
ISHARES TR CORE S&P SCP ETF 464287804   9,472,032 95,053 SH   SOLE   0 0 0
ISHARES TR CORE DIV GRWTH 46434V621   10,002,666 194,113 SH   SOLE   0 0 0
ISHARES TR RUS 1000 ETF 464287622   235,780 967 SH   SOLE   0 0 0
ISHARES TR SP SMCP600VL ETF 464287879   885,119 9,308 SH   SOLE   0 0 0
ISHARES TR US TREAS BD ETF 46429B267   262,244 11,452 SH   SOLE   0 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   390,111 1,418 SH   SOLE   0 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   108,722,438 427,234 SH   SOLE   0 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   220,663 1,398 SH   SOLE   0 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   3,403,373 18,174 SH   SOLE   0 0 0
ISHARES TR MSCI ACWI ETF 464288257   110,345,214 1,150,148 SH   SOLE   0 0 0
ISHARES TR MSCI INTL VLU FT 46435G409   51,300,199 2,015,725 SH   SOLE   0 0 0
ISHARES TR MSCI EAFE ETF 464287465   14,688,082 202,594 SH   SOLE   0 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867   460,323 8,947 SH   SOLE   0 0 0
ISHARES TR CORE S&P500 ETF 464287200   11,601,135 26,028 SH   SOLE   0 0 0
ISHARES TR CORE MSCI EAFE 46432F842   9,212,771 136,486 SH   SOLE   0 0 0
ISHARES TR NATIONAL MUN ETF 464288414   217,218 2,035 SH   SOLE   0 0 0
ISHARES TR MSCI ACWI EX US 464288240   5,524,021 112,231 SH   SOLE   0 0 0
JOHNSON & JOHNSON COM 478160104   310,350 1,875 SH   SOLE   0 0 0
KIMBERLY-CLARK CORP COM 494368103   402,445 2,915 SH   SOLE   0 0 0
LAM RESEARCH CORP COM 512807108   213,430 332 SH   SOLE   0 0 0
LENNAR CORP CL A 526057104   320,919 2,561 SH   SOLE   0 0 0
LINDE PLC SHS G54950103   267,515 702 SH   SOLE   0 0 0
LIVEONE INC COM 53814X102   66,005 37,503 SH   SOLE   0 0 0
MARQETA INC CLASS A COM 57142B104   133,311 27,374 SH   SOLE   0 0 0
MARTIN MARIETTA MATLS INC COM 573284106   406,287 880 SH   SOLE   0 0 0
MASTERCARD INCORPORATED CL A 57636Q104   862,900 2,194 SH   SOLE   0 0 0
MERCK & CO INC COM 58933Y105   277,167 2,402 SH   SOLE   0 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   320,015 3,572 SH   SOLE   0 0 0
MICROSOFT CORP COM 594918104   2,714,444 7,971 SH   SOLE   0 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   145,565 19,751 SH   SOLE   0 0 0
MUELLER WTR PRODS INC COM SER A 624758108   235,254 14,495 SH   SOLE   0 0 0
NIKE INC CL B 654106103   290,383 2,631 SH   SOLE   0 0 0
NORTHERN TR CORP COM 665859104   339,858 4,584 SH   SOLE   0 0 0
NVIDIA CORPORATION COM 67066G104   370,566 876 SH   SOLE   0 0 0
ONEMAIN HLDGS INC COM 68268W103   848,547 19,422 SH   SOLE   0 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   203,479 213 SH   SOLE   0 0 0
OSCAR HEALTH INC CL A 687793109   130,685 16,214 SH   SOLE   0 0 0
PALO ALTO NETWORKS INC COM 697435105   287,704 1,126 SH   SOLE   0 0 0
PARKER-HANNIFIN CORP COM 701094104   353,766 907 SH   SOLE   0 0 0
PROCTER AND GAMBLE CO COM 742718109   225,030 1,483 SH   SOLE   0 0 0
QUALCOMM INC COM 747525103   217,486 1,827 SH   SOLE   0 0 0
RLX TECHNOLOGY INC SPONSORED ADS 74969N103   29,175 16,483 SH   SOLE   0 0 0
RPM INTL INC COM 749685103   204,764 2,282 SH   SOLE   0 0 0
SALESFORCE INC COM 79466L302   262,807 1,244 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   82,066,218 1,587,354 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   7,675,965 311,651 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   12,603,095 353,523 SH   SOLE   0 0 0
SERVICENOW INC COM 81762P102   219,730 391 SH   SOLE   0 0 0
SHOPIFY INC CL A 82509L107   329,460 5,100 SH   SOLE   0 0 0
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205   265,224 8,224 SH   SOLE   0 0 0
SONY GROUP CORPORATION SPONSORED ADR 835699307   243,828 2,708 SH   SOLE   0 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   80,078,250 180,649 SH   SOLE   0 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   32,846,664 538,382 SH   SOLE   0 0 0
SPDR SER TR S&P BIOTECH 78464A870   2,139,854 25,719 SH   SOLE   0 0 0
TESLA INC COM 88160R101   207,060 791 SH   SOLE   0 0 0
TRAVELERS COMPANIES INC COM 89417E109   304,773 1,755 SH   SOLE   0 0 0
UNITEDHEALTH GROUP INC COM 91324P102   550,333 1,145 SH   SOLE   0 0 0
UNIVERSAL HLTH SVCS INC CL B 913903100   260,005 1,648 SH   SOLE   0 0 0
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   338,796 7,354 SH   SOLE   0 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   7,110,518 85,095 SH   SOLE   0 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   57,932,707 262,996 SH   SOLE   0 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   76,599,642 539,054 SH   SOLE   0 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   306,449 1,083 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   711,521 17,491 SH   SOLE   0 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,926,285 38,357 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   215,653 3,736 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   804,130 11,753 SH   SOLE   0 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   14,258,838 308,767 SH   SOLE   0 0 0
VEEVA SYS INC CL A COM 922475108   204,651 1,035 SH   SOLE   0 0 0
VISA INC COM CL A 92826C839   227,981 960 SH   SOLE   0 0 0
VULCAN MATLS CO COM 929160109   586,144 2,600 SH   SOLE   0 0 0
XCEL ENERGY INC COM 98389B100   203,358 3,271 SH   SOLE   0 0 0
XYLEM INC COM 98419M100   256,211 2,275 SH   SOLE   0 0 0
ZOETIS INC CL A 98978V103   300,679 1,746 SH   SOLE   0 0 0