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   2,398,475 25,619 SH   SOLE   0 0 25,619
APPLE INC COM 037833100   741,339 4,330 SH   SOLE   0 0 4,330
CEMEX SAB DE CV SPON ADR NEW 151290889   65,000 10,000 SH   SOLE   0 0 10,000
CHEVRON CORP NEW COM 166764100   267,029 1,584 SH   SOLE   0 0 1,584
ECOLAB INC COM 278865100   1,701,317 10,043 SH   SOLE   0 0 10,043
EXACT SCIENCES CORP COM 30063P105   272,880 4,000 SH   SOLE   0 0 4,000
EXXON MOBIL CORP COM 30231G102   211,720 1,801 SH   SOLE   0 0 1,801
GABELLI UTIL TR COM 36240A101   165,715 31,267 SH   SOLE   0 0 31,267
ISHARES TR CORE MSCI EAFE 46432F842   363,320 5,646 SH   SOLE   0 0 5,646
ISHARES TR CORE S&P500 ETF 464287200   20,462,089 47,649 SH   SOLE   0 0 47,649
ISHARES TR CORE S&P MCP ETF 464287507   4,027,003 16,150 SH   SOLE   0 0 16,150
ISHARES TR CORE S&P SCP ETF 464287804   1,237,772 13,122 SH   SOLE   0 0 13,122
ISHARES TR ESG AW MSCI EAFE 46435G516   377,795 5,465 SH   SOLE   0 0 5,465
ISHARES INC ESG AWR MSCI EM 46434G863   222,770 7,357 SH   SOLE   0 0 7,357
ISHARES TR ESG SCRND S&P500 46436E569   217,592 6,710 SH   SOLE   0 0 6,710
ISHARES TR MSCI EAFE ETF 464287465   3,500,171 50,786 SH   SOLE   0 0 50,786
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   26,206,267 489,281 SH   SOLE   0 0 489,281
MEDTRONIC PLC SHS G5960L103   314,537 4,014 SH   SOLE   0 0 4,014
MICROSOFT CORP COM 594918104   285,537 904 SH   SOLE   0 0 904
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   25,940,193 763,759 SH   SOLE   0 0 763,759
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   26,875,974 531,156 SH   SOLE   0 0 531,156
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   256,913 3,796 SH   SOLE   0 0 3,796
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   264,661 6,390 SH   SOLE   0 0 6,390
SHERWIN WILLIAMS CO COM 824348106   355,795 1,395 SH   SOLE   0 0 1,395
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,241,884 9,923 SH   SOLE   0 0 9,923
SPS COMM INC COM 78463M107   335,242 1,965 SH   SOLE   0 0 1,965
EA SERIES TRUST STRIVE US ENERGY 02072L722   240,406 7,992 SH   SOLE   0 0 7,992
TESLA INC COM 88160R101   212,687 850 SH   SOLE   0 0 850
VICTORY PORTFOLIOS II VICTORYSHARES WE 92647P126   15,718,049 529,406 SH   SOLE   0 0 529,406
XCEL ENERGY INC COM 98389B100   253,931 4,438 SH   SOLE   0 0 4,438