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
3M CO COM COM 88579Y101 2,401 13,515 SH   SOLE   13,444 0 70
ABBOTT LABS COM COM 002824100 2,917 20,723 SH   SOLE   20,600 0 122
ABBVIE INC COM COM 00287Y109 3,015 22,266 SH   SOLE   22,143 0 122
ABERDEEN STANDARD PHYSICAL GOLD SHARES ETF PHYSCL GOLD SHS 00326A104 5,600 318,880 SH   SOLE   318,880 0 0
ALPHABET INC CAP STK CL C CL C 02079K107 3,521 1,217 SH   SOLE   1,213 0 4
AMAZON COM INC COM COM 023135106 3,777 1,133 SH   SOLE   1,130 0 2
AMERICAN EXPRESS CO COM COM 025816109 3,185 19,468 SH   SOLE   19,400 0 68
ANALOG DEVICES INC COM COM 032654105 3,111 17,699 SH   SOLE   17,640 0 59
ANTHEM INC COM COM 036752103 3,423 7,385 SH   SOLE   7,361 0 24
APPLE INC COM COM 037833100 4,982 28,057 SH   SOLE   28,056 0 0
ASTRAZENECA PLC SPONSORED ADR SPONOSRED ADR 046353108 2,389 41,011 SH   SOLE   40,779 0 231
AT&T INC COM COM 00206R102 1,989 80,865 SH   SOLE   80,384 0 481
AUTOMATIC DATA PROCESSING INC COM COM 053015103 3,166 12,840 SH   SOLE   12,770 0 70
BLACKROCK INC COM COM 09247X101 6,179 6,749 SH   SOLE   6,721 0 27
BLACKSTONE INC COM COM 09260D107 422 3,265 SH   SOLE   3,265 0 0
CARMAX INC COM COM 143130102 2,947 22,627 SH   SOLE   22,552 0 75
CISCO SYS INC COM COM 17275R102 2,955 46,631 SH   SOLE   46,369 0 261
CLOROX CO DEL COM CL A 189054109 2,082 11,943 SH   SOLE   11,866 0 77
COMCAST CORP NEW CL A COM 20030N101 2,622 52,090 SH   SOLE   51,922 0 168
DISNEY WALT CO COM COM 254687106 2,608 16,836 SH   SOLE   16,781 0 55
EVERSOURCE ENERGY COM COM 30040W108 311 3,413 SH   SOLE   3,413 0 0
EXXON MOBIL CORP COM COM CL A 30231G102 2,716 44,379 SH   SOLE   44,160 0 219
FIRST INTST BANCSYSTEM INC COM CL A COM 32055Y201 210 5,159 SH   SOLE   5,159 0 0
FRANCO NEV CORP COM COM 351858105 296 2,138 SH   SOLE   2,138 0 0
FS KKR CAP CORP COM COM 302635206 742 35,416 SH   SOLE   35,415 0 0
GENUINE PARTS CO COM COM 372460105 3,178 22,670 SH   SOLE   22,560 0 110
INTEL CORP COM COM 458140100 2,070 40,193 SH   SOLE   39,949 0 243
INTERNATIONAL PAPER CO COM COM 460146103 2,450 52,159 SH   SOLE   51,930 0 228
INVESCO QQQ TRUST UNIT SER 1 46090E103 59,044 148,408 SH   SOLE   148,200 0 208
IQVIA HLDGS INC COM COM 46266C105 3,692 13,085 SH   SOLE   13,039 0 46
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ISHS 1-5YR INVS 464288646 5,819 108,002 SH   SOLE   107,869 0 133
ISHARES GOLD TRUST ISHARES NEW 464285204 290 8,341 SH   SOLE   8,341 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 12,709 146,065 SH   SOLE   146,064 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 12,648 95,439 SH   SOLE   95,438 0 0
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 34,097 407,521 SH   SOLE   406,849 0 672
ISHARES S&P MID-CAP 400 VALUE ETF S&P MC 400VL ETF 464287705 15,674 141,616 SH   SOLE   141,309 0 307
ISHARES U.S. REAL ESTATE ETF U.S. REAL ES ETF 464287739 16,047 138,166 SH   SOLE   137,870 0 296
ISHARES U.S. TECHNOLOGY ETF U.S. TECH ETF 464287721 273 2,380 SH   SOLE   2,380 0 0
JOHNSON & JOHNSON COM COM 478160104 2,470 14,441 SH   SOLE   14,356 0 84
JPMORGAN CHASE & CO COM COM 46625H100 6,022 38,030 SH   SOLE   37,872 0 157
KIMBERLY-CLARK CORP COM COM 494368103 2,369 16,575 SH   SOLE   16,470 0 104
KROGER CO COM COM 501044101 2,790 61,636 SH   SOLE   61,282 0 354
LOWES COS INC COM CL A 548661107 3,877 15,001 SH   SOLE   14,948 0 53
MASTERCARD INCORPORATED CL A COM 57636Q104 2,718 7,565 SH   SOLE   7,543 0 22
MCDONALDS CORP COM COM 580135101 2,819 10,516 SH   SOLE   10,456 0 60
MERCK & CO INC COM COM 58933Y105 2,266 29,564 SH   SOLE   29,384 0 180
META PLATFORMS INC CL A CL A 30303M102 2,993 8,899 SH   SOLE   8,870 0 29
METLIFE INC COM COM 59156R108 3,041 48,661 SH   SOLE   48,429 0 231
MICROSOFT CORP COM COM 594918104 6,863 20,407 SH   SOLE   20,319 0 88
OREILLY AUTOMOTIVE INC COM COM 67103H107 3,465 4,906 SH   SOLE   4,890 0 16
PHILLIPS 66 COM COM 718546104 2,173 29,990 SH   SOLE   29,830 0 160
PPL CORP COM COM 69351T106 2,494 82,958 SH   SOLE   82,466 0 492
PROCTER AND GAMBLE CO COM COM 742718109 2,912 17,800 SH   SOLE   17,697 0 102
QUALCOMM INC COM COM 747525103 3,678 20,114 SH   SOLE   20,014 0 100
RAYTHEON TECHNOLOGIES CORP COM COM 75513E101 5,565 64,660 SH   SOLE   64,395 0 264
REAL ESTATE SELECT SECTOR SPDR FUND RL EST SEL SEC 81369Y860 1,260 24,329 SH   SOLE   24,191 0 138
ROYAL GOLD INC COM COM 780287108 234 2,225 SH   SOLE   2,225 0 0
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706 753 25,414 SH   SOLE   25,263 0 151
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 34,002 874,761 SH   SOLE   870,163 0 4,597
SCHWAB SHORT-TERM U.S. TREASURY ETF SHT TM US TRES 808524862 1,980 38,942 SH   SOLE   38,749 0 193
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102 31,355 277,453 SH   SOLE   276,022 0 1,430
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201 46,208 405,978 SH   SOLE   403,756 0 2,222
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508 30,269 376,339 SH   SOLE   374,415 0 1,923
SCHWAB U.S. SMALL-CAP ETF US SML CAP ETF 808524607 1,262 12,320 SH   SOLE   12,273 0 47
SCHWAB U.S. TIPS ETF US TIPS ETF 808524870 1,108 17,613 SH   SOLE   17,494 0 119
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 30,902 382,307 SH   SOLE   380,334 0 1,973
SOUTHERN CO COM COM 842587107 2,626 38,288 SH   SOLE   38,063 0 225
SPDR GOLD SHARES GOLD SHS 78463V107 530 3,101 SH   SOLE   3,101 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 34,015 71,616 SH   SOLE   71,502 0 114
STARBUCKS CORP COM COM 855244109 2,791 23,864 SH   SOLE   23,740 0 124
TARGET CORP COM COM 87612E106 3,088 13,343 SH   SOLE   13,285 0 57
TESLA INC COM COM 88160R101 797 754 SH   SOLE   754 0 0
TEXAS INSTRS INC COM COM 882508104 2,808 14,901 SH   SOLE   14,829 0 72
TRIMBLE INC COM COM 896239100 373 4,280 SH   SOLE   4,280 0 0
UBER TECHNOLOGIES INC COM COM 90353T100 2,200 52,472 SH   SOLE   52,329 0 143
UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704 2,239 41,634 SH   SOLE   41,400 0 233
UNITED PARCEL SERVICE INC CL B CL B 911312106 3,491 16,288 SH   SOLE   16,219 0 68
UNITEDHEALTH GROUP INC COM COM 91324P102 3,431 6,833 SH   SOLE   6,811 0 22
VAIL RESORTS INC COM COM 91879Q109 323 985 SH   SOLE   985 0 0
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 26,886 306,852 SH   SOLE   305,657 0 1,195
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND SHRT TRM CORP BD 92206C409 474 5,835 SH   SOLE   5,835 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 719 2,980 SH   SOLE   2,980 0 0
VERIZON COMMUNICATIONS INC COM COM 92343V104 334 6,434 SH   SOLE   6,434 0 0
WALGREENS BOOTS ALLIANCE INC COM COM 931427108 2,586 49,578 SH   SOLE   49,314 0 264
WALMART INC COM COM 931142103 2,441 16,874 SH   SOLE   16,773 0 100
WASTE MGMT INC DEL COM COM 94106L109 3,094 18,536 SH   SOLE   18,436 0 99
WELLS FARGO CO NEW COM COM 949746101 2,954 61,557 SH   SOLE   61,352 0 205
YUM BRANDS INC COM COM 988498101 241 1,733 SH   SOLE   1,733 0 0