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
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 401 11,209 SH   SOLE   0 0 11,209
ISHARES TR 1 3 YR TREAS BD 464287457 1,065 12,658 SH   SOLE   0 0 12,658
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 461 13,496 SH   SOLE   0 0 13,496
ISHARES TR SP SMCP600VL ETF 464287879 2,020 13,689 SH   SOLE   0 0 13,689
VANGUARD INTL EQUITY INDEX ALLWRLD EX US 922042775 757 15,091 SH   SOLE   0 0 15,091
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 937 15,543 SH   SOLE   0 0 15,543
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,307 17,771 SH   SOLE   0 0 17,771
ISHARES TR CORE MSCI EAFE 46432F842 1,199 19,726 SH   SOLE   0 0 19,726
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,860 21,407 SH   SOLE   0 0 21,407
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 918 24,653 SH   SOLE   0 0 24,653
ISHARES TR CORE S&P US VLU 464287663 1,370 24,995 SH   SOLE   0 0 24,995
ISHARES TR CORE S&P SCP ETF 464287804 1,969 25,525 SH   SOLE   0 0 25,525
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,383 25,724 SH   SOLE   0 0 25,724
ISHARES TR EAFE SML CP ETF 464288273 1,885 32,824 SH   SOLE   0 0 32,824
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 1,035 33,875 SH   SOLE   0 0 33,875
ISHARES TR SHRT NAT MUN ETF 464288158 4,253 40,125 SH   SOLE   0 0 40,125
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,880 41,184 SH   SOLE   0 0 41,184
SPDR SER TR PORTFOLIO SH TSR 78468R101 1,245 41,840 SH   SOLE   0 0 41,840
ISHARES INC CORE MSCI EMKT 46434G103 2,443 47,249 SH   SOLE   0 0 47,249
SPDR SER TR NUVEEN BLMBRG SR 78468R739 2,441 50,346 SH   SOLE   0 0 50,346
XCEL ENERGY INC COM 98389B100 3,061 54,449 SH   SOLE   0 0 54,449
ISHARES TR CORE S&P TTL STK 464287150 3,898 60,521 SH   SOLE   0 0 60,521
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,327 74,893 SH   SOLE   0 0 74,893
3M CO COM 88579Y101 18,561 89,329 SH   SOLE   0 0 89,329
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,131 90,097 SH   SOLE   0 0 90,097
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 4,541 90,478 SH   SOLE   0 0 90,478
VANGUARD INDEX FDS SMALL CP ETF 922908751 13,943 91,249 SH   SOLE   0 0 91,249
WISDOMTREE TR INTL SMCAP DIV 97717W760 6,370 96,801 SH   SOLE   0 0 96,801
VANGUARD INTL EQUITY INDEX FTSE SMCAP ETF 922042718 10,809 103,800 SH   SOLE   0 0 103,800
HEARTLAND FINL USA INC COM 42234Q102 4,894 107,109 SH   SOLE   0 0 107,109
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,399 108,563 SH   SOLE   0 0 108,563
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,692 122,255 SH   SOLE   0 0 122,255
VANGUARD INDEX FDS SM CP VAL ETF 922908611 16,005 124,332 SH   SOLE   0 0 124,332
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,300 133,320 SH   SOLE   0 0 133,320
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 4,939 179,074 SH   SOLE   0 0 179,074
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,142 197,683 SH   SOLE   0 0 197,683
VANGUARD TAX MANAGED INTL FTSE DEV MKT ETF 921943858 8,924 218,358 SH   SOLE   0 0 218,358
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 17,839 276,654 SH   SOLE   0 0 276,654
VANGUARD INTL EQUITY INDEX FTSE EMR MKT ETF 922042858 14,280 336,009 SH   SOLE   0 0 336,009
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 26,917 337,469 SH   SOLE   0 0 337,469
ISHARES TR EAFE VALUE ETF 464288877 16,648 340,588 SH   SOLE   0 0 340,588
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 28,489 357,945 SH   SOLE   0 0 357,945
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 22,074 395,800 SH   SOLE   0 0 395,800
VANGUARD INDEX FDS TOTAL STK MKT 922908769 59,227 409,281 SH   SOLE   0 0 409,281
VANGUARD INDEX FDS VALUE ETF 922908744 47,004 436,715 SH   SOLE   0 0 436,715