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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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
AMERCO COM 023586100 363 500 SH   SOLE NONE 0 0 500
APPLE INC COM 037833100 3,259 18,356 SH   SOLE NONE 0 0 18,356
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 441 1,474 SH   SOLE NONE 0 0 1,474
EMCLAIRE FINL CORP COM 290828102 809 27,994 SH   SOLE NONE 0 0 27,994
ISHARES TR CORE S&P500 ETF 464287200 23,128 48,487 SH   SOLE NONE 0 0 48,487
ISHARES TR MSCI EAFE ETF 464287465 4,026 52,054 SH   SOLE NONE 0 0 52,054
ISHARES TR RUS 1000 GRW ETF 464287614 2,863 9,369 SH   SOLE NONE 0 0 9,369
ISHARES TR CORE S&P SCP ETF 464287804 558 4,875 SH   SOLE NONE 0 0 4,875
ISHARES TR IBOXX HI YD ETF 464288513 53,849 618,878 SH   SOLE NONE 0 0 618,878
MICROSOFT CORP COM 594918104 1,167 3,469 SH   SOLE NONE 0 0 3,469
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 3,622 17,235 SH   SOLE NONE 0 0 17,235
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 178,274 2,103,523 SH   SOLE NONE 0 0 2,103,523
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 52,714 1,025,557 SH   SOLE NONE 0 0 1,025,557
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 284,573 4,643,822 SH   SOLE NONE 0 0 4,643,822
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 223 4,514 SH   SOLE NONE 0 0 4,514
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 604 1,384 SH   SOLE NONE 0 0 1,384
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,563 30,352 SH   SOLE NONE 0 0 30,352
VANGUARD INDEX FDS MID CAP ETF 922908629 73,101 286,928 SH   SOLE NONE 0 0 286,928
VANGUARD INDEX FDS GROWTH ETF 922908736 209,403 652,550 SH   SOLE NONE 0 0 652,550
VANGUARD INDEX FDS VALUE ETF 922908744 206,623 1,404,550 SH   SOLE NONE 0 0 1,404,550
VANGUARD INDEX FDS SMALL CP ETF 922908751 69,024 305,400 SH   SOLE NONE 0 0 305,400
VANGUARD INDEX FDS TOTAL STK MKT 922908769 19,142 79,282 SH   SOLE NONE 0 0 79,282
INVESCO QQQ TR UNIT SER 1 46090E103 2,454 6,169 SH   SOLE NONE 0 0 6,169
CISCO SYS INC COM 17275R102 1,776 28,033 SH   SOLE NONE 0 0 28,033
ISHARES TR BLACKROCK ULTRA 46434V878 2,268 45,009 SH   SOLE NONE 0 0 45,009
PAYPAL HLDGS INC COM 70450Y103 1,056 5,600 SH   SOLE NONE 0 0 5,600
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,372 13,414 SH   SOLE NONE 0 0 13,414
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 2,496 85,153 SH   SOLE NONE 0 0 85,153
SPDR SER TR ICE PFD SEC ETF 78464A292 424 9,887 SH   SOLE NONE 0 0 9,887
SPDR SER TR S&P DIVID ETF 78464A763 939 7,274 SH   SOLE NONE 0 0 7,274
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 343 942 SH   SOLE NONE 0 0 942
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 35,444 670,781 SH   SOLE NONE 0 0 670,781
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 35,432 381,971 SH   SOLE NONE 0 0 381,971
VERIZON COMMUNICATIONS INC COM 92343V104 282 5,429 SH   SOLE NONE 0 0 5,429