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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   2,843 30,374 SH   SOLE   30,374 0 0
Alphabet Inc. COM 02079K305   545 4,168 SH   SOLE   4,168 0 0
Amazon.com, Inc. Com 023135106   509 4,008 SH   SOLE   4,008 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   229 4,345 SH   SOLE   4,345 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   1,051 18,886 SH   SOLE   18,886 0 0
Apple Inc. Com 037833100   872 5,097 SH   SOLE   5,097 0 0
Avantis US Equity ETF US Equity ETF 025072885   846 11,555 SH   SOLE   11,555 0 0
Avantis US Large Cap Value ETF Large Cap Value 025072349   1,055 20,043 SH   SOLE   20,043 0 0
Avantis US Small Cap Value ETF SMALL CAP ETF 025072877   4,183 53,671 SH   SOLE   53,671 0 0
Berkshire Hathaway Class B Com 084670702   732 2,091 SH   SOLE   2,091 0 0
CION INVESTMENT CORPORAT ION COM 17259u105   134 12,703 SH   SOLE   12,703 0 0
Cleveland-Cliffs Inc. Com 185899101   229 14,700 SH   SOLE   14,700 0 0
COSTCO WHOLESALE CO COM 22160K105   249 441 SH   SOLE   441 0 0
DIMENSIONAL ETF TR INTL CORE ETF INTL CORE EQT MK 25434V203   1,134 43,446 SH   SOLE   43,446 0 0
DIMENSIONAL ETF TR SHORT DURATION FX SHORT DURA CORE 25434V864   573 12,374 SH   SOLE   12,374 0 0
DIMENSIONAL ETF TR U S CORE EQUITY 2 US CORE EQUITY 2 25434V708   5,073 193,642 SH   SOLE   193,642 0 0
DIMENSIONAL ETF TR U S SMALL CAP ETF US SMALL CAP ETF 25434V500   836 15,942 SH   SOLE   15,942 0 0
DIMENSIONAL ETF TR US CORE ETF US CORE EQT MKT 25434V104   1,514 50,588 SH   SOLE   50,588 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   2,012 89,372 SH   SOLE   89,372 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   1,046 25,925 SH   SOLE   25,925 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   433 19,221 SH   SOLE   19,221 0 0
ECOLAB INC COM 278865100   1,123 6,635 SH   SOLE   6,635 0 0
ENERGY SELECT SECTOR SPDR ETF IV Industrial ETF 81369Y506   990 10,956 SH   SOLE   10,956 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707   506 10,051 SH   SOLE   10,051 0 0
FIDELITY TOTAL BOND ETF TOTAL BD ETF 316188309   5,740 131,782 SH   SOLE   131,782 0 0
FIDELITY MSCI FINANCIALS INDX ETF MSCI FINLS IDX 316092501   3,678 78,998 SH   SOLE   78,998 0 0
FIRST TR EX-TD VIII FT CBOE VEST FUN Cboe Vest Fund of Buffer ETF 33740F755   2,746 112,163 SH   SOLE   112,163 0 0
FIRST TRUST LRGE CAP CORE APADEX ETF COM SHS 33734K109   5,438 67,064 SH   SOLE   67,064 0 0
FIRST TRUST TCW OPPORTUNISTIC FI ETF TCW OPPORTUNIS 33740F805   4,674 111,148 SH   SOLE   111,148 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   831 55,635 SH   SOLE   55,635 0 0
INVESCO EXCHANGE-TRADED FD TR II INV Small Cap 600 Revenue 46138G664   1,813 49,796 SH   SOLE   49,796 0 0
INVESCO EXCHANGE-TRADED FD TR INVESC S&P MDCP QUALITY 46137V472   3,545 44,026 SH   SOLE   44,026 0 0
INVESCO QQQ TRUST Nasdaq 100 ETF 46090E103   16,597 46,326 SH   SOLE   46,326 0 0
iShares 0-5 Year TIPS Bond ETF BOND ETF 46429B747   6,199 63,966 SH   SOLE   63,966 0 0
ISHARES CORE CONSERVATIVE ALL ETF IV CONSER ALLOC ETF 464289883   237 6,991 SH   SOLE   6,991 0 0
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621   1,847 37,293 SH   SOLE   37,293 0 0
iShares Core S&P Mid-Cap ETF GROWTH ETF 464287507   4,962 19,901 SH   SOLE   19,901 0 0
ISHARES CORE S&P US VALUE ETF CORE S&P USVLU 464287663   6,819 91,388 SH   SOLE   91,388 0 0
ISHARES CORE US AGGREGATE BOND ETF CORE US AGGBD ET 464287226   1,009 10,739 SH   SOLE   10,739 0 0
ISHARES GLOBAL 100 ETF GLOBAL 100 ETF 464287572   4,711 64,323 SH   SOLE   64,323 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257   4,914 53,208 SH   SOLE   53,208 0 0
ISHARES MSCI USA MOMNTUM FCT ETF USA MOMENTUM FCT 46432F396   309 2,215 SH   SOLE   2,215 0 0
ISHARES MSCI USA QUALITY FACTOR ETF USA QUALITY FCTR 46432F339   1,183 8,982 SH   SOLE   8,982 0 0
ISHARES RUSSELL 1000 GROWTH ETF IV RUS 1000 GRW ETF 464287614   2,811 10,571 SH   SOLE   10,571 0 0
ISHARES RUSSELL 1000 VALUE ETF IV RUS 1000 VAL ETF 464287598   402 2,652 SH   SOLE   2,652 0 0
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655   2,801 15,852 SH   SOLE   15,852 0 0
ISHARES RUSSELL MID-CAP ETF RUS MID CAP ETF 464287499   848 12,255 SH   SOLE   12,255 0 0
ISHARES TR CORE S&P500 ETF 464287200   426 993 SH   SOLE   993 0 0
ISHARES TR RUSSELL 2500 ETF RUSEL 2500 ETF 46435G268   949 17,412 SH   SOLE   17,412 0 0
ISHARES US AEROSPACE DEFENSE ETF IV US AER DEF ETF 464288760   1,515 14,305 SH   SOLE   14,305 0 0
ISHARES US MEDICAL DEVICES ETF IV U.S. MED DVC ETF 464288810   850 17,536 SH   SOLE   17,536 0 0
ISHS MSCI INTL QUALITY FACT ETF INTL QLTY FACTOR 46434V456   5,364 159,618 SH   SOLE   159,618 0 0
J P MORGAN EXCHANGE-TRADED FD TR ACT Active Growth 46654Q609   236 4,388 SH   SOLE   4,388 0 0
J P MORGAN EXCHANGE-TRADED FD TR COR BOND ETF 46641Q670   326 7,316 SH   SOLE   7,316 0 0
JANUS DETROIT STR TR HENDERSON AAA CL 47103U845   3,669 729,000 SH   SOLE   729,000 0 0
JP MORGAN EXCH-TRADED FD TR SHORT DU SHORT DURA CORE 46641Q274   472 10,413 SH   SOLE   10,413 0 0
JP MORGAN ULTRA SHORT MUN INCOME ETF ULTRA SHT MUNCPL 46641Q654   652 12,938 SH   SOLE   12,938 0 0
JPMORGAN ULTRA SHORT INCOME ETF ULTRA SHRT INC 46641Q837   2,529 50,418 SH   SOLE   50,418 0 0
Lineage Cell Therapeutics, Inc. COM 53566P109   12 10,869 SH   SOLE   10,869 0 0
MICROSOFT CORP COM 594918104   875 2,772 SH   SOLE   2,772 0 0
NUVEEN SHORT-TERM REIT ETF BOND ETF 67092P706   290 10,693 SH   SOLE   10,693 0 0
PACER US CASH COWS 100 ETF GROWTH ETF 69374H881   2,391 48,375 SH   SOLE   48,375 0 0
PGIM Ultra Short Bond ETF BOND ETF 69344A107   300 6,071 SH   SOLE   6,071 0 0
POLYMET MNG CORP COM 731916409   32 15,810 SH   SOLE   15,810 0 0
Procter & Gamble Co Com 742718109   419 2,877 SH   SOLE   2,877 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797   6,913 97,696 SH   SOLE   97,696 0 0
SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300   298 4,105 SH   SOLE   4,105 0 0
SCHWAB US LARGE CAP VALUE ETF US LCAP VA ETF 808524409   241 3,748 SH   SOLE   3,748 0 0
SELECT SECTOR HEALTH CARE SPD ETF IV Health Care 81369Y209   951 7,390 SH   SOLE   7,390 0 0
SELECT SECTOR UTI SELECT SPDR ETF SBI INT-UTILS 81369Y886   1,130 19,178 SH   SOLE   19,178 0 0
SPDR AGGREGATE BOND ETF IV PORTFOLIO AGRGTE 78464A649   7,667 315,003 SH   SOLE   315,003 0 0
SPDR BLACKSTONE SENIOR LOAN ETF IV BLACKSTONE SENR 78467V608   3,740 89,212 SH   SOLE   89,212 0 0
SPDR BLMBRG BRCLY EMG MKT LCL ETF IV BLOMBRG BRC EMRG 78464A391   807 40,727 SH   SOLE   40,727 0 0
SPDR Bloomberg 1-10 Year TIPS TIPS ETF 78468R861   876 48,466 SH   SOLE   48,466 0 0
SPDR DOW JONE GLOBAL REAL EST ETF IV DJ GLB RL ES ETF 78463X749   960 25,131 SH   SOLE   25,131 0 0
SPDR GOLD SHARES ETF GOLD SHS 78463V107   1,848 10,780 SH   SOLE   10,780 0 0
SPDR INDEX SHARES EMERG MARKT ETF IV PORTFOLIO EMG MK 78463X509   3,163 94,228 SH   SOLE   94,228 0 0
SPDR LONG TERM TREASURY ETF IV PORTFOLIO LN TSR 78464A664   1,066 40,774 SH   SOLE   40,774 0 0
SPDR PORTFOLIO DVLPD WRLD EX-US ETF PORTFOLIO DEVLPD 78463X889   5,947 191,797 SH   SOLE   191,797 0 0
SPDR PORTFOLIO HIGH YIELD BND ETF IV PORTFLI HIGH YLD 78468R606   671 29,964 SH   SOLE   29,964 0 0
SPDR PORTFOLIO S&P 400 MID CP ETF IV PORTFOLIO S&P400 78464A847   1,397 31,917 SH   SOLE   31,917 0 0
SPDR PORTFOLIO S&P 500 ETF IV PORTFOLIO S&P500 78464A854   12,292 244,577 SH   SOLE   244,577 0 0
SPDR PORTFOLIO S&P 500 HIGH DIVID ET PRTFLO S&P500 HI 78468R788   297 8,496 SH   SOLE   8,496 0 0
SPDR PORTFOLIO S&P 600 SML CP ETF IV PORTFOLIO S&P600 78468R853   1,384 37,520 SH   SOLE   37,520 0 0
SPDR S&P 500 ETF TR UNIT 78462F103   2,714 6,350 SH   SOLE   6,350 0 0
SPDR S&P DIVIDEND ETF IV Value ETF 78464A763   4,175 36,303 SH   SOLE   36,303 0 0
SPDR S&P INTERNATIONAL SMALL ETF IV S&P INTL SMLCP 78463X871   1,122 38,530 SH   SOLE   38,530 0 0
SPDR S&P KENSHO CLEAN POWER ETF IV S&P KENSHO CLEAN 78468R655   557 8,259 SH   SOLE   8,259 0 0
SPDR SSGA U S SECTOR ROTATION ETF SPDR SSGA US SCT 78470P408   256 6,207 SH   SOLE   6,207 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF IV TECHNOLOGY 81369Y803   3,721 22,702 SH   SOLE   22,702 0 0
VANECK HIGH YIELD MUNI ETF HIGH YLD MUNI ETF 92189H409   316 6,458 SH   SOLE   6,458 0 0
VANGUARD EXTENDED MARKET ETF IV EXTEND MKT ETF 922908652   6,994 1,002 SH   SOLE   6,994 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF VAN FTSE DEV MKT 921943858   200 4,588 SH   SOLE   4,588 0 0
VANGUARD INDUSTRIALS ETF IV INDUSTRIAL ETF 92204A603   1,359 6,973 SH   SOLE   6,973 0 0
VANGUARD MEGA CAP ETF IV MEGA CAP INDEX 921910873   1,508 9,931 SH   SOLE   9,931 0 0
VANGUARD MEGA CAP GROWTH ETF IV MEGA GRWTH IND 921910816   7,029 30,981 SH   SOLE   30,981 0 0
Vanguard Russell 1000 Growth Index Growth ETF 92206C680   735 10,743 SH   SOLE   10,743 0 0
VANGUARD SMALL CAP ETF IV SMALL CP ETF 922908751   1,622 8,583 SH   SOLE   8,583 0 0
VANGUARD SMALL CAP GROWTH ETF IV SML CP GRW ETF 922908595   1,436 6,704 SH   SOLE   6,704 0 0
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835   507 7,266 SH   SOLE   7,266 0 0
Walmart Inc COM 931142103   308 1,928 SH   SOLE   1,928 0 0
WISDOMTREE FLOATING RATE TREASURY FU BOND ETF 97717Y527   556 11,056 SH   SOLE   11,056 0 0
WISDOMTREE TRUST ENHNCD CMMDTY ST 97717Y683   593 32,923 SH   SOLE   32,923 0 0
XCEL ENERGY INC MINN COM 98389B100   229 4,003 SH   SOLE   4,003 0 0
XTRCKRS MSCI EMRG MRKT HDGD EQY ETF XTRACK MSCI EMRG 233051101   2,344 106,927 SH   SOLE   106,927 0 0