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
APPLE INC COM 037833100 2,276 16,620 SH   SOLE NONE 0 0 16,620
ABBVIE INC COM 00287Y109 468 4,154 SH   SOLE NONE 0 0 4,154
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,147 3,892 SH   SOLE NONE 0 0 3,892
AUTOMATIC DATA PROCESSING IN COM 053015103 907 4,569 SH   SOLE NONE 0 0 4,569
AMAZON COM INC COM 023135106 6,278 1,825 SH   SOLE NONE 0 0 1,825
BERKSHIRE HATHAWAY INC DEL CL A 084670108 837 2 SH   SOLE NONE 0 0 2
CDW CORP COM 12514G108 252 1,444 SH   SOLE NONE 0 0 1,444
CIGNA CORP NEW COM 125523100 48,698 205,417 SH   SOLE NONE 0 0 205,417
CUMMINS INC COM 231021106 385 1,579 SH   SOLE NONE 0 0 1,579
CANADIAN NATL RY CO COM 136375102 226 2,145 SH   SOLE NONE 0 0 2,145
SPDR SER TR S&P KENSHO CLEAN 78468R655 738 6,975 SH   SOLE NONE 0 0 6,975
DOLLAR GEN CORP NEW COM 256677105 690 3,189 SH   SOLE NONE 0 0 3,189
ISHARES TR CORE DIV GRWTH 46434V621 39,051 775,438 SH   SOLE NONE 0 0 775,438
WISDOMTREE TR US LARGECAP DIVD 97717W307 217 1,800 SH   SOLE NONE 0 0 1,800
DUKE ENERGY CORP NEW COM NEW 26441C204 1,833 18,568 SH   SOLE NONE 0 0 18,568
LAUDER ESTEE COS INC CL A 518439104 288 905 SH   SOLE NONE 0 0 905
FASTENAL CO COM 311900104 312 6,000 SH   SOLE NONE 0 0 6,000
FACTSET RESH SYS INC COM 303075105 205 612 SH   SOLE NONE 0 0 612
FEDEX CORP COM 31428X106 675 2,263 SH   SOLE NONE 0 0 2,263
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 6,297 195,258 SH   SOLE NONE 0 0 195,258
FS KKR CAP CORP COM 302635206 1,967 91,448 SH   SOLE NONE 0 0 91,448
GENERAL ELECTRIC CO COM 369604103 197 14,632 SH   SOLE NONE 0 0 14,632
ALPHABET INC CAP STK CL A 02079K305 1,885 772 SH   SOLE NONE 0 0 772
HOME DEPOT INC COM 437076102 1,216 3,812 SH   SOLE NONE 0 0 3,812
ISHARES TR BLACKROCK ULTRA 46434V878 10,479 207,421 SH   SOLE NONE 0 0 207,421
ISHARES TR CORE MSCI EAFE 46432F842 4,568 61,018 SH   SOLE NONE 0 0 61,018
ISHARES TR ISHS 1-5YR INVS 464288646 21,348 389,492 SH   SOLE NONE 0 0 389,492
ISHARES TR CORE S&P US GWT 464287671 1,115 11,045 SH   SOLE NONE 0 0 11,045
ISHARES TR CORE S&P500 ETF 464287200 3,518 8,182 SH   SOLE NONE 0 0 8,182
JOHNSON &JOHNSON COM 478160104 686 4,163 SH   SOLE NONE 0 0 4,163
JPMORGAN CHASE &CO COM 46625H100 243 1,564 SH   SOLE NONE 0 0 1,564
KIMBERLY-CLARK CORP COM 494368103 427 3,191 SH   SOLE NONE 0 0 3,191
COCA COLA CO COM 191216100 356 6,572 SH   SOLE NONE 0 0 6,572
LOWES COS INC COM 548661107 370 1,906 SH   SOLE NONE 0 0 1,906
MASTERCARD INCORPORATED CL A 57636Q104 345 944 SH   SOLE NONE 0 0 944
ISHARES TR MBS ETF 464288588 10,309 95,248 SH   SOLE NONE 0 0 95,248
MEDTRONIC PLC SHS G5960L103 291 2,347 SH   SOLE NONE 0 0 2,347
3M CO COM 88579Y101 497 2,500 SH   SOLE NONE 0 0 2,500
MICROSOFT CORP COM 594918104 387 1,427 SH   SOLE NONE 0 0 1,427
NIKE INC CL B 654106103 381 2,465 SH   SOLE NONE 0 0 2,465
OREILLY AUTOMOTIVE INC COM 67103H107 693 1,224 SH   SOLE NONE 0 0 1,224
PAYCHEX INC COM 704326107 207 1,929 SH   SOLE NONE 0 0 1,929
PEPSICO INC COM 713448108 774 5,223 SH   SOLE NONE 0 0 5,223
PHILIP MORRIS INTL INC COM 718172109 286 2,889 SH   SOLE NONE 0 0 2,889
REGENERON PHARMACEUTICALS COM 75886F107 462 827 SH   SOLE NONE 0 0 827
STARBUCKS CORP COM 855244109 352 3,146 SH   SOLE NONE 0 0 3,146
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 6,650 159,867 SH   SOLE NONE 0 0 159,867
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 792 10,117 SH   SOLE NONE 0 0 10,117
SPDR SER TR S&P DIVID ETF 78464A763 1,002 8,192 SH   SOLE NONE 0 0 8,192
SHOPIFY INC CL A 82509L107 603 413 SH   SOLE NONE 0 0 413
SHERWIN WILLIAMS CO COM 824348106 340 1,248 SH   SOLE NONE 0 0 1,248
ISHARES TR ISHARES SEMICDTR 464287523 825 1,817 SH   SOLE NONE 0 0 1,817
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 9,854 267,833 SH   SOLE NONE 0 0 267,833
S&P GLOBAL INC COM 78409V104 276 673 SH   SOLE NONE 0 0 673
AT&T INC COM 00206R102 1,032 35,846 SH   SOLE NONE 0 0 35,846
TRACTOR SUPPLY CO COM 892356106 496 2,667 SH   SOLE NONE 0 0 2,667
TORO CO COM 891092108 212 1,927 SH   SOLE NONE 0 0 1,927
TEXAS INSTRS INC COM 882508104 292 1,520 SH   SOLE NONE 0 0 1,520
UNITEDHEALTH GROUP INC COM 91324P102 1,019 2,544 SH   SOLE NONE 0 0 2,544
UNION PAC CORP COM 907818108 684 3,108 SH   SOLE NONE 0 0 3,108
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,455 6,457 SH   SOLE NONE 0 0 6,457
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 498 7,850 SH   SOLE NONE 0 0 7,850
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,690 30,298 SH   SOLE NONE 0 0 30,298
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 207 2,000 SH   SOLE NONE 0 0 2,000
VANGUARD INDEX FDS TOTAL STK MKT 922908769 633 2,840 SH   SOLE NONE 0 0 2,840
VANGUARD INDEX FDS LARGE CAP ETF 922908637 281 1,400 SH   SOLE NONE 0 0 1,400
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 17,649 324,968 SH   SOLE NONE 0 0 324,968
VERIZON COMMUNICATIONS INC COM 92343V104 290 5,167 SH   SOLE NONE 0 0 5,167
SPDR SER TR S&P BIOTECH 78464A870 600 4,431 SH   SOLE NONE 0 0 4,431
XCEL ENERGY INC COM 98389B100 547 8,300 SH   SOLE NONE 0 0 8,300
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,525 18,831 SH   SOLE NONE 0 0 18,831
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 401 10,942 SH   SOLE NONE 0 0 10,942
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 292 2,854 SH   SOLE NONE 0 0 2,854
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,417 9,593 SH   SOLE NONE 0 0 9,593
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 204 2,911 SH   SOLE NONE 0 0 2,911
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 457 3,629 SH   SOLE NONE 0 0 3,629
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 343 1,923 SH   SOLE NONE 0 0 1,923
ZOETIS INC CL A 98978V103 319 1,712 SH   SOLE NONE 0 0 1,712