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
ABBVIE INC COM 00287Y109 367 2,397 SH   SOLE   0 0 2,397
ALPHABET INC CAP STK CL A 02079K305 900 413 SH   SOLE   0 0 413
ALPHABET INC CAP STK CL C 02079K107 1,704 779 SH   SOLE   0 0 779
AMAZON COM INC COM 023135106 2,289 21,550 SH   SOLE   0 0 21,550
AMERICAN TOWER CORP NEW COM 03027X100 474 1,855 SH   SOLE   0 0 1,855
AMGEN INC COM 031162100 1,833 7,534 SH   SOLE   0 0 7,534
APPLE INC COM 037833100 4,311 31,532 SH   SOLE   0 0 31,532
AQUA METALS INC COM 03837J101 11 14,005 SH   SOLE   0 0 14,005
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,053 7,520 SH   SOLE   0 0 7,520
CHEVRON CORP NEW COM 166764100 205 1,416 SH   SOLE   0 0 1,416
CISCO SYS INC COM 17275R102 580 13,610 SH   SOLE   0 0 13,610
COCA COLA CO COM 191216100 1,259 20,008 SH   SOLE   0 0 20,008
CUMMINS INC COM 231021106 1,487 7,684 SH   SOLE   0 0 7,684
CVS HEALTH CORP COM 126650100 2,022 21,817 SH   SOLE   0 0 21,817
DEERE & CO COM 244199105 1,517 5,065 SH   SOLE   0 0 5,065
DISNEY WALT CO COM 254687106 1,640 17,378 SH   SOLE   0 0 17,378
ETFIS SER TR I VIRTUS REAL AS 26923G780 6,717 272,144 SH   SOLE   0 0 272,144
GENERAL MLS INC COM 370334104 202 2,678 SH   SOLE   0 0 2,678
HOME DEPOT INC COM 437076102 1,211 4,416 SH   SOLE   0 0 4,416
HONEYWELL INTL INC COM 438516106 1,567 9,014 SH   SOLE   0 0 9,014
INTEL CORP COM 458140100 1,405 37,555 SH   SOLE   0 0 37,555
INTERNATIONAL BUSINESS MACHS COM 459200101 1,979 14,014 SH   SOLE   0 0 14,014
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 492 9,935 SH   SOLE   0 0 9,935
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 509 8,210 SH   SOLE   0 0 8,210
ISHARES SILVER TR ISHARES 46428Q109 268 14,400 SH   SOLE   0 0 14,400
ISHARES TR CORE S&P TTL STK 464287150 953 11,380 SH   SOLE   0 0 11,380
ISHARES TR GLOBAL ENERG ETF 464287341 1,589 46,908 SH   SOLE   0 0 46,908
ISHARES TR SELECT DIVID ETF 464287168 203 1,725 SH   SOLE   0 0 1,725
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 303 6,152 SH   SOLE   0 0 6,152
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 6,457 157,715 SH   SOLE   0 0 157,715
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 411 8,208 SH   SOLE   0 0 8,208
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 15,835 325,621 SH   SOLE   0 0 325,621
JOHNSON & JOHNSON COM 478160104 325 1,828 SH   SOLE   0 0 1,828
JPMORGAN CHASE & CO COM 46625H100 2,377 21,105 SH   SOLE   0 0 21,105
META PLATFORMS INC CL A 30303M102 1,034 6,415 SH   SOLE   0 0 6,415
MICROSOFT CORP COM 594918104 3,067 11,941 SH   SOLE   0 0 11,941
NORTHROP GRUMMAN CORP COM 666807102 2,110 4,410 SH   SOLE   0 0 4,410
NVIDIA CORPORATION COM 67066G104 344 2,270 SH   SOLE   0 0 2,270
PAYPAL HLDGS INC COM 70450Y103 437 6,262 SH   SOLE   0 0 6,262
PEPSICO INC COM 713448108 2,261 13,567 SH   SOLE   0 0 13,567
PFIZER INC COM 717081103 392 7,472 SH   SOLE   0 0 7,472
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 463 4,670 SH   SOLE   0 0 4,670
QUANTA SVCS INC COM 74762E102 1,934 15,430 SH   SOLE   0 0 15,430
REPUBLIC SVCS INC COM 760759100 1,741 13,302 SH   SOLE   0 0 13,302
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,556 81,283 SH   SOLE   0 0 81,283
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3,079 62,590 SH   SOLE   0 0 62,590
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,702 56,437 SH   SOLE   0 0 56,437
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 223 5,055 SH   SOLE   0 0 5,055
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,790 80,830 SH   SOLE   0 0 80,830
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,343 23,152 SH   SOLE   0 0 23,152
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,217 35,525 SH   SOLE   0 0 35,525
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 210 3,353 SH   SOLE   0 0 3,353
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 8,576 272,691 SH   SOLE   0 0 272,691
SPDR GOLD TR GOLD SHS 78463V107 688 4,084 SH   SOLE   0 0 4,084
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 2,408 101,269 SH   SOLE   0 0 101,269
SPDR SER TR S&P 600 SMCP GRW 78464A201 2,644 37,506 SH   SOLE   0 0 37,506
SPDR SER TR S&P 600 SMCP VAL 78464A300 6,040 83,416 SH   SOLE   0 0 83,416
TARGET CORP COM 87612E106 1,723 12,199 SH   SOLE   0 0 12,199
TESLA INC COM 88160R101 302 448 SH   SOLE   0 0 448
UNITEDHEALTH GROUP INC COM 91324P102 1,697 3,303 SH   SOLE   0 0 3,303
VANGUARD INDEX FDS GROWTH ETF 922908736 225 1,010 SH   SOLE   0 0 1,010
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 3,111 17,738 SH   SOLE   0 0 17,738
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 6,067 46,845 SH   SOLE   0 0 46,845
VANGUARD INDEX FDS TOTAL STK MKT 922908769 392 2,080 SH   SOLE   0 0 2,080
VANGUARD INDEX FDS VALUE ETF 922908744 14,806 112,265 SH   SOLE   0 0 112,265
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 5,265 64,906 SH   SOLE   0 0 64,906
VISA INC COM CL A 92826C839 1,342 6,817 SH   SOLE   0 0 6,817
WISDOMTREE TR US HIGH DIVIDEND 97717W208 9,813 119,252 SH   SOLE   0 0 119,252
XCEL ENERGY INC COM 98389B100 211 2,983 SH   SOLE   0 0 2,983