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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COM 00206R102 8 300 PRN   SOLE   0 0 300
ALTRIA GROUP INC COM 02209S103 3 70 PRN   SOLE   0 0 70
BERRY CORP COM 08579X101 0 2 PRN   SOLE   0 0 2
CANADIAN IMP BK COMM COM 136069101 171 1,536 PRN   SOLE   0 0 1,536
CARNIVAL CORP UNIT 99/99/9999 143658300 3 100 PRN   SOLE   0 0 100
CEDAR FAIR L P DEPOSITRY UNIT 150185106 15 333 PRN   SOLE   0 0 333
CHEVRON CORP NEW COM 166764100 28 277 PRN   SOLE   0 0 277
CISCO SYS INC COM 17275R102 1,907 35,039 PRN   SOLE   0 0 35,039
COCA COLA CO COM 191216100 13 250 PRN   SOLE   0 0 250
AMAZON COM INC COM 023135106 16 5 PRN   SOLE   0 0 5
AMERCO COM 023586100 323 500 PRN   SOLE   0 0 500
DISNEY WALT CO COM 254687106 112 663 PRN   SOLE   0 0 663
DOMINION ENERGY INC COM 25746U109 18 250 PRN   SOLE   0 0 250
EBAY INC. COM 278642103 195 2,800 PRN   SOLE   0 0 2,800
ELECTRONIC ARTS INC COM 285512109 142 1,000 PRN   SOLE   0 0 1,000
EMCLAIRE FINL CORP COM 290828102 748 27,994 PRN   SOLE   0 0 27,994
ESSENTIAL UTILS INC COM 29670G102 40 862 PRN   SOLE   0 0 862
EXXON MOBIL CORP COM 30231G102 7 116 PRN   SOLE   0 0 116
ABERDEEN STD SILVER ETF TR PHYSCL SILVR SHS 003264108 21 1,000 PRN   SOLE   0 0 1,000
FORD MTR CO DEL COM 345370860 14 1,000 PRN   SOLE   0 0 1,000
GENERAL ELECTRIC CO COM NEW 369604301 13 125 PRN   SOLE   0 0 125
APPLE INC COM 037833100 2,921 20,647 PRN   SOLE   0 0 20,647
INVESCO QQQ TR UNIT SER 1 46090E103 2,211 6,169 PRN   SOLE   0 0 6,169
ISHARES TR IBOXX HI YD ETF 464000000 9 102 PRN   SOLE   0 0 102
HERSHEY CO COM 427866108 17 100 PRN   SOLE   0 0 100
HONDA MOTOR LTD AMERN SHS 438128308 15 500 PRN   SOLE   0 0 500
ILLINOIS TOOL WKS INC COM 452308109 67 322 PRN   SOLE   0 0 322
INTERNATIONAL BUSINESS MACHS COM 459200101 18 129 PRN   SOLE   0 0 129
ISHARES INC GLB ENR PROD ETF 464286343 1 31 PRN   SOLE   0 0 31
ISHARES TR SELECT DIVID ETF 464287168 140 1,222 PRN   SOLE   0 0 1,222
ISHARES TR TIPS BD ETF 464287176 68 534 PRN   SOLE   0 0 534
ISHARES TR CORE S&P500 ETF 464287200 1,281 2,973 PRN   SOLE   0 0 2,973
ISHARES TR IBOXX INV CP ETF 464287242 402 3,020 PRN   SOLE   0 0 3,020
ISHARES TR MSCI EAFE ETF 464287465 4,385 56,209 PRN   SOLE   0 0 56,209
ISHARES TR ISHARES BIOTECH 464287556 131 810 PRN   SOLE   0 0 810
ISHARES TR RUS 1000 GRW ETF 464287614 2,419 8,826 PRN   SOLE   0 0 8,826
ISHARES TR CORE S&P SCP ETF 464287804 500 4,579 PRN   SOLE   0 0 4,579
ISHARES TR IBOXX HI YD ETF 464288513 51,795 592,013 PRN   SOLE   0 0 592,013
ISHARES TR PFD AND INCM SEC 464288687 343 8,832 PRN   SOLE   0 0 8,832
ISHARES SILVER TR ISHARES 46428Q109 2 117 PRN   SOLE   0 0 117
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107 54 3,185 PRN   SOLE   0 0 3,185
ISHARES TR CORE MSCI TOTAL 46432F834 800 11,271 PRN   SOLE   0 0 11,271
ISHARES TR MSCI USA SML CP 46434V290 119 2,221 PRN   SOLE   0 0 2,221
ISHARES TR BLACKROCK ULTRA 46434V878 2,066 40,897 PRN   SOLE   0 0 40,897
ISHARES TR ESG SCRD S&P MID 46436E551 1 22 PRN   SOLE   0 0 22
JOHNSON & JOHNSON COM 478160104 8 50 PRN   SOLE   0 0 50
KEMPER CORP COM 488401100 121 1,805 PRN   SOLE   0 0 1,805
LILLY ELI & CO COM 532457108 109 470 PRN   SOLE   0 0 470
MCDONALDS CORP COM 580135101 48 200 PRN   SOLE   0 0 200
MERCK & CO INC COM 58933Y105 11 150 PRN   SOLE   0 0 150
METLIFE INC COM 59156R108 17 268 PRN   SOLE   0 0 268
MICROSOFT CORP COM 594918104 1,722 6,107 PRN   SOLE   0 0 6,107
BK OF AMERICA CORP COM 060505104 2 57 PRN   SOLE   0 0 57
ORGANON & CO COMMON STOCK 68622V106 0 15 PRN   SOLE   0 0 15
PAYPAL HLDGS INC COM 70450Y103 1,457 5,600 PRN   SOLE   0 0 5,600
PEPSICO INC COM 713448108 8 50 PRN   SOLE   0 0 50
PFIZER INC COM 717081103 129 2,997 PRN   SOLE   0 0 2,997
PITNEY BOWES INC COM 724479100 2 295 PRN   SOLE   0 0 295
PROTARA THERAPEUTICS INC COM STK 74365U107 0 37 PRN   SOLE   0 0 37
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,757 13,414 PRN   SOLE   0 0 13,414
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 55 1,074 PRN   SOLE   0 0 1,074
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 221 4,337 PRN   SOLE   0 0 4,337
SPDR SER TR S&P 600 SMCP GRW 78464A201 8 93 PRN   SOLE   0 0 93
SPDR SER TR S&P DIVID ETF 78464A763 855 7,274 PRN   SOLE   0 0 7,274
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 319 942 PRN   SOLE   0 0 942
SPDR SER TR OILGAS EQUIP 78468R549 0 2 PRN   SOLE   0 0 2
SAP SE SPON ADR 803054204 65 480 PRN   SOLE   0 0 480
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 191 6,257 PRN   SOLE   0 0 6,257
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 28 723 PRN   SOLE   0 0 723
SOUTHERN CO COM 842587107 9 145 PRN   SOLE   0 0 145
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 402 1,474 PRN   SOLE   0 0 1,474
SPECTRUM BRANDS HLDGS INC NE COM 84790A105 1 9 PRN   SOLE   0 0 9
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922000000 132 2,169 PRN   SOLE   0 0 2,169
VANGUARD MALVERN FDS STRM INFPROIDX 922000000 23 436 PRN   SOLE   0 0 436
VANGUARD BD INDEX FDS TOTAL BND MRKT 922000000 34 398 PRN   SOLE   0 0 398
VANGUARD INDEX FDS GROWTH ETF 923000000 192 661 PRN   SOLE   0 0 661
VANGUARD INDEX FDS VALUE ETF 923000000 3 24 PRN   SOLE   0 0 24
AIR PRODS & CHEMS INC COM 009158106 15 58 PRN   SOLE   0 0 58
VANECK ETF TRUST STEEL ETF 92189F205 110 2,000 PRN   SOLE   0 0 2,000
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 39 252 PRN   SOLE   0 0 252
VANGUARD STAR FDS VG TL INTL STK F 921909768 71 1,129 PRN   SOLE   0 0 1,129
VANGUARD WORLD FD ESG INTL STK ETF 921910725 3 53 PRN   SOLE   0 0 53
VANGUARD WORLD FD ESG US STK ETF 921910733 6 72 PRN   SOLE   0 0 72
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 3,473 17,235 PRN   SOLE   0 0 17,235
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 172,195 2,015,159 PRN   SOLE   0 0 2,015,159
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 282 5,578 PRN   SOLE   0 0 5,578
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 52,353 995,674 PRN   SOLE   0 0 995,674
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 271,112 4,447,377 PRN   SOLE   0 0 4,447,377
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 226 4,514 PRN   SOLE   0 0 4,514
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 9 100 PRN   SOLE   0 0 100
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 62 250 PRN   SOLE   0 0 250
VANGUARD WORLD FDS INF TECH ETF 92204A702 18 45 PRN   SOLE   0 0 45
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 37 416 PRN   SOLE   0 0 416
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 108 1,536 PRN   SOLE   0 0 1,536
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 481 6,961 PRN   SOLE   0 0 6,961
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 34,471 646,853 PRN   SOLE   0 0 646,853
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 34,529 365,738 PRN   SOLE   0 0 365,738
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 548 1,384 PRN   SOLE   0 0 1,384
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,237 30,352 PRN   SOLE   0 0 30,352
VANGUARD INDEX FDS MID CAP ETF 922908629 66,795 282,120 PRN   SOLE   0 0 282,120
VANGUARD INDEX FDS GROWTH ETF 922908736 191,878 661,261 PRN   SOLE   0 0 661,261
VANGUARD INDEX FDS VALUE ETF 922908744 191,214 1,412,531 PRN   SOLE   0 0 1,412,531
VANGUARD INDEX FDS SMALL CP ETF 922908751 65,770 300,774 PRN   SOLE   0 0 300,774
VANGUARD INDEX FDS TOTAL STK MKT 922908769 15,016 67,623 PRN   SOLE   0 0 67,623
VERIZON COMMUNICATIONS INC COM 92343V104 293 5,429 PRN   SOLE   0 0 5,429
VIATRIS INC COM 92556V106 5 370 PRN   SOLE   0 0 370
WALMART INC COM 931142103 78 557 PRN   SOLE   0 0 557
WESTPORT FUEL SYSTEMS INC COM NEW 960908309 1 250 PRN   SOLE   0 0 250
WISDOMTREE TR US HIGH DIVIDEND 97717W208 13 167 PRN   SOLE   0 0 167