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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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   2,620,818 24,934 SH   SOLE   0 0 24,934
APPLE INC COM 037833100   695,548 4,218 SH   SOLE   0 0 4,218
CHEVRON CORP NEW COM 166764100   253,651 1,555 SH   SOLE   0 0 1,554
ECOLAB INC COM 278865100   1,864,562 11,264 SH   SOLE   0 0 11,264
EXACT SCIENCES CORP COM 30063P105   281,412 4,150 SH   SOLE   0 0 4,150
GABELLI UTIL TR COM 36240A101   223,559 31,267 SH   SOLE   0 0 31,267
ISHARES TR CORE MSCI EAFE 46432F842   394,749 5,905 SH   SOLE   0 0 5,905
ISHARES TR CORE S&P500 ETF 464287200   19,827,793 48,233 SH   SOLE   0 0 48,233
ISHARES TR CORE S&P MCP ETF 464287507   4,193,683 16,764 SH   SOLE   0 0 16,764
ISHARES TR CORE S&P SCP ETF 464287804   1,270,321 13,137 SH   SOLE   0 0 13,136
ISHARES TR ESG AW MSCI EAFE 46435G516   393,108 5,472 SH   SOLE   0 0 5,472
ISHARES TR ESG AWR MSCI EM 46434G863   230,213 7,313 SH   SOLE   0 0 7,313
ISHARES TR ESG SCRND S&P500 46436E569   430,485 13,933 SH   SOLE   0 0 13,933
ISHARES TR MSCI EAFE ETF 464287465   3,683,423 51,502 SH   SOLE   0 0 51,502
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   16,366,679 299,756 SH   SOLE   0 0 299,756
MEDTRONIC PLC SHS G5960L103   306,840 3,806 SH   SOLE   0 0 3,806
MICROSOFT CORP COM 594918104   271,092 940 SH   SOLE   0 0 940
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   25,025,538 719,134 SH   SOLE   0 0 719,134
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   42,699,935 882,777 SH   SOLE   0 0 882,777
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   306,139 4,512 SH   SOLE   0 0 4,512
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   257,108 6,132 SH   SOLE   0 0 6,131
SHERWIN WILLIAMS CO COM 824348106   313,554 1,395 SH   SOLE   0 0 1,395
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,274,032 10,440 SH   SOLE   0 0 10,440
SPS COMM INC COM 78463M107   269,119 1,767 SH   SOLE   0 0 1,767
EA SERIES TRUST STRIVE US ENERGY 02072L722   248,131 8,926 SH   SOLE   0 0 8,925
TARGET CORP COM 87612E106   339,908 2,052 SH   SOLE   0 0 2,052
XCEL ENERGY INC COM 98389B100   303,952 4,507 SH   SOLE   0 0 4,507
CEMEX SAB DE CV SPON ADR NEW ADR 151290889   55,300 10,000 SH   SOLE   10,000 0 0