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
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 310,000 1,919 SH   SOLE   0 0 1,919
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 751,000 8,515 SH   SOLE   0 0 8,515
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,784,000 20,110 SH   SOLE   0 0 20,110
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,998,000 23,783 SH   SOLE   0 0 23,783
AMERICAN CENTY ETF TR MULTISECTOR 025072398 BBG011MFKJQ6 10,279,000 240,374 SH   SOLE   0 0 240,374
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 261,000 1,230 SH   SOLE   0 0 1,230
AMGEN INC COM 031162100 BBG001S5NNL6 2,087,000 7,947 SH   SOLE   0 0 7,947
APPLE INC COM 037833100 BBG001S5N8V8 3,977,000 30,612 SH   SOLE   0 0 30,612
AQUA METALS INC COM 03837J101 BBG009CQH0Q2 18,000 14,005 SH   SOLE   0 0 14,005
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,497,000 8,083 SH   SOLE   0 0 8,083
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 1,488,000 8,290 SH   SOLE   0 0 8,290
CISCO SYS INC COM 17275R102 BBG001S6HC62 600,000 12,590 SH   SOLE   0 0 12,590
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,312,000 20,621 SH   SOLE   0 0 20,621
CUMMINS INC COM 231021106 BBG001S5Q9M3 1,840,000 7,596 SH   SOLE   0 0 7,596
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 2,147,000 23,034 SH   SOLE   0 0 23,034
DEERE & CO COM 244199105 BBG001S5QFF7 2,180,000 5,084 SH   SOLE   0 0 5,084
DISNEY WALT CO COM 254687106 BBG001S5QHF3 1,666,000 19,176 SH   SOLE   0 0 19,176
ETFIS SER TR I VIRTUS REAL AS 26923G780 BBG00N875MJ1 6,702,000 283,711 SH   SOLE   0 0 283,711
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 23,813,000 238,819 SH   SOLE   0 0 238,819
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,861,000 5,892 SH   SOLE   0 0 5,892
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 2,104,000 9,818 SH   SOLE   0 0 9,818
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 2,060,000 14,624 SH   SOLE   0 0 14,624
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 BBG00KJR1T91 469,000 9,486 SH   SOLE   0 0 9,486
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 355,000 5,550 SH   SOLE   0 0 5,550
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 9,681,000 68,538 SH   SOLE   0 0 68,538
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 205,000 771 SH   SOLE   0 0 771
ISHARES SILVER TR ISHARES 46428Q109 BBG001SQLN69 317,000 14,400 SH   SOLE   0 0 14,400
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 1,375,000 16,214 SH   SOLE   0 0 16,214
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 13,702,000 141,273 SH   SOLE   0 0 141,273
ISHARES TR GLOBAL ENERG ETF 464287341 BBG001S7RSN5 2,040,000 52,323 SH   SOLE   0 0 52,323
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 208,000 1,725 SH   SOLE   0 0 1,725
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 BBG0059KNK04 291,000 5,900 SH   SOLE   0 0 5,900
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 BBG0079TF237 372,000 13,208 SH   SOLE   0 0 13,208
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 411,000 8,208 SH   SOLE   0 0 8,208
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 BBG00F7XD8R5 12,736,000 268,689 SH   SOLE   0 0 268,689
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 322,000 1,821 SH   SOLE   0 0 1,821
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,775,000 20,696 SH   SOLE   0 0 20,696
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,087,000 12,874 SH   SOLE   0 0 12,874
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 2,293,000 4,202 SH   SOLE   0 0 4,202
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 323,000 2,212 SH   SOLE   0 0 2,212
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 715,000 10,044 SH   SOLE   0 0 10,044
PEPSICO INC COM 713448108 BBG001S695T1 2,421,000 13,400 SH   SOLE   0 0 13,400
PFIZER INC COM 717081103 BBG001S5V466 345,000 6,732 SH   SOLE   0 0 6,732
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 BBG001T618D9 274,000 2,777 SH   SOLE   0 0 2,777
QUANTA SVCS INC COM 74762E102 BBG001S5VH85 2,093,000 14,689 SH   SOLE   0 0 14,689
REPUBLIC SVCS INC COM 760759100 BBG001S9DL33 1,645,000 12,754 SH   SOLE   0 0 12,754
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 3,070,000 95,298 SH   SOLE   0 0 95,298
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 2,670,000 55,355 SH   SOLE   0 0 55,355
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 811,000 17,767 SH   SOLE   0 0 17,767
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 220,000 4,920 SH   SOLE   0 0 4,920
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 6,460,000 85,518 SH   SOLE   0 0 85,518
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 407,000 7,318 SH   SOLE   0 0 7,318
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 2,234,000 33,844 SH   SOLE   0 0 33,844
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 222,000 3,380 SH   SOLE   0 0 3,380
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 9,656,000 282,326 SH   SOLE   0 0 282,326
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 622,000 3,669 SH   SOLE   0 0 3,669
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 BBG001SRXRN6 2,754,000 114,477 SH   SOLE   0 0 114,477
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 377,000 985 SH   SOLE   0 0 985
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 2,812,000 38,927 SH   SOLE   0 0 38,927
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 6,388,000 86,069 SH   SOLE   0 0 86,069
TARGET CORP COM 87612E106 BBG001SC0K41 2,103,000 14,113 SH   SOLE   0 0 14,113
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 2,359,000 4,450 SH   SOLE   0 0 4,450
US BANCORP DEL COM NEW 902973304 BBG001S6T8C1 616,000 14,128 SH   SOLE   0 0 14,128
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 2,673,000 12,545 SH   SOLE   0 0 12,545
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 3,337,000 18,565 SH   SOLE   0 0 18,565
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 6,622,000 48,966 SH   SOLE   0 0 48,966
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 398,000 2,080 SH   SOLE   0 0 2,080
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 17,837,000 127,071 SH   SOLE   0 0 127,071
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 1,164,000 13,500 SH   SOLE   0 0 13,500
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 BBG001T62M56 5,395,000 71,256 SH   SOLE   0 0 71,256
VISA INC COM CL A 92826C839 BBG001SRCFY3 1,413,000 6,802 SH   SOLE   0 0 6,802
WISDOMTREE TR US HIGH DIVIDEND 97717W208 BBG001SHKNX0 6,123,000 71,148 SH   SOLE   0 0 71,148
XCEL ENERGY INC COM 98389B100 BBG001S7F0X8 209,000 2,983 SH   SOLE   0 0 2,983