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 3,363 30,437 SH   SOLE None 0 0 30,437
APPLE INC COM COM 037833100 449 3,253 SH   SOLE None 0 0 3,253
CEMEX SAB DE CV SPON ADR NEW SPON ADR NEW 151290889 34 10,000 SH   SOLE None 0 0 10,000
CHEVRON CORP NEW COM COM 166764100 241 1,677 SH   SOLE None 0 0 1,677
ECOLAB INC COM COM 278865100 1,532 10,609 SH   SOLE None 0 0 10,609
EXXON MOBIL CORP COM COM 30231G102 610 6,992 SH   SOLE None 0 0 6,992
GABELLI UTIL TR COM COM 36240A101 215 31,267 SH   SOLE None 0 0 31,267
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 2,758 52,374 SH   SOLE None 0 0 52,374
ISHARES CORE SP 500 ETF CORE S&P500 ETF 464287200 50,318 140,231 SH   SOLE None 0 0 140,231
ISHARES CORE SP MIDCAP ETF CORE S&P MCP ETF 464287507 3,769 17,191 SH   SOLE None 0 0 17,191
ISHARES CORE SP SMALL CAP ETF CORE S&P SCP ETF 464287804 1,227 14,071 SH   SOLE None 0 0 14,071
ISHARES ESG AWARE MSCI EAFE ETF ESG AW MSCI EAFE 46435G516 519 9,257 SH   SOLE None 0 0 9,257
ISHARES ESG AWARE MSCI EM ETF ESG AWR MSCI EM 46434G863 239 8,665 SH   SOLE None 0 0 8,665
ISHARES ESG SCREENED SP 500 ETF ESG SCRND S&P500 46436E569 378 14,117 SH   SOLE None 0 0 14,117
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 3,695 65,974 SH   SOLE None 0 0 65,974
MEDTRONIC PLC SHS SHS G5960L103 269 3,340 SH   SOLE None 0 0 3,340
MICROSOFT CORP COM COM 594918104 238 1,023 SH   SOLE None 0 0 1,023
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 28,397 1,009,227 SH   SOLE None 0 0 1,009,227
SHERWIN WILLIAMS CO COM COM 824348106 285 1,395 SH   SOLE None 0 0 1,395
SPDR PORTFOLIO SP 600 SMALL CAP ETF PORTFOLIO S&P600 78468R853 248 7,282 SH   SOLE None 0 0 7,282
SPDR SP 500 ETF TRUST TR UNIT 78462F103 3,801 10,644 SH   SOLE None 0 0 10,644
SPS COMM INC COM COM 78463M107 218 1,757 SH   SOLE None 0 0 1,757
TARGET CORP COM COM 87612E106 327 2,209 SH   SOLE None 0 0 2,209
XCEL ENERGY INC COM COM 98389B100 283 4,437 SH   SOLE None 0 0 4,437