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
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 299,137 1,877 SH   SOLE   0 0 1,877
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 876,622 8,451 SH   SOLE   0 0 8,451
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 2,205,216 21,204 SH   SOLE   0 0 21,204
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,685,437 25,999 SH   SOLE   0 0 25,999
AMERICAN CENTY ETF TR MULTISECTOR 025072398 BBG011MFKJQ6 13,484,919 308,671 SH   SOLE   0 0 308,671
AMGEN INC COM 031162100 BBG001S5NNL6 2,063,095 8,534 SH   SOLE   0 0 8,534
APPLE INC COM 037833100 BBG001S5N8V8 4,983,509 30,221 SH   SOLE   0 0 30,221
AQUA METALS INC COM 03837J101 BBG009CQH0Q2 14,005 14,005 SH   SOLE   0 0 14,005
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,610,342 8,454 SH   SOLE   0 0 8,454
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 1,451,328 8,895 SH   SOLE   0 0 8,895
CISCO SYS INC COM 17275R102 BBG001S6HC62 579,730 11,090 SH   SOLE   0 0 11,090
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,337,367 21,560 SH   SOLE   0 0 21,560
CUMMINS INC COM 231021106 BBG001S5Q9M3 2,022,119 8,465 SH   SOLE   0 0 8,465
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 1,872,166 25,194 SH   SOLE   0 0 25,194
DEERE & CO COM 244199105 BBG001S5QFF7 2,198,586 5,325 SH   SOLE   0 0 5,325
DISNEY WALT CO COM 254687106 BBG001S5QHF3 2,168,000 21,652 SH   SOLE   0 0 21,652
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 10,529,522 105,148 SH   SOLE   0 0 105,148
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,839,778 6,234 SH   SOLE   0 0 6,234
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 361,981 1,894 SH   SOLE   0 0 1,894
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 2,083,840 15,896 SH   SOLE   0 0 15,896
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 BBG00KJR1T91 346,063 6,977 SH   SOLE   0 0 6,977
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 346,320 5,550 SH   SOLE   0 0 5,550
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 12,052,287 83,338 SH   SOLE   0 0 83,338
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 224,651 700 SH   SOLE   0 0 700
ISHARES SILVER TR ISHARES 46428Q109 BBG001SQLN69 318,528 14,400 SH   SOLE   0 0 14,400
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 1,841,443 20,336 SH   SOLE   0 0 20,336
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 226,916 552 SH   SOLE   0 0 552
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 15,411,929 154,676 SH   SOLE   0 0 154,676
ISHARES TR GLOBAL ENERG ETF 464287341 BBG001S7RSN5 2,172,856 57,544 SH   SOLE   0 0 57,544
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 202,136 1,725 SH   SOLE   0 0 1,725
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 BBG0059KNK04 279,502 5,635 SH   SOLE   0 0 5,635
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 BBG00F7XD8R5 4,059,035 85,006 SH   SOLE   0 0 85,006
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 292,685 1,888 SH   SOLE   0 0 1,888
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,722,171 20,890 SH   SOLE   0 0 20,890
LILLY ELI & CO COM 532457108 BBG001S5STL8 1,062,541 3,094 SH   SOLE   0 0 3,094
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,737,781 12,965 SH   SOLE   0 0 12,965
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 2,132,685 4,619 SH   SOLE   0 0 4,619
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 598,594 2,155 SH   SOLE   0 0 2,155
PEPSICO INC COM 713448108 BBG001S695T1 2,650,858 14,541 SH   SOLE   0 0 14,541
PFIZER INC COM 717081103 BBG001S5V466 256,795 6,294 SH   SOLE   0 0 6,294
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 BBG001T618D9 238,727 2,405 SH   SOLE   0 0 2,405
QUANTA SVCS INC COM 74762E102 BBG001S5VH85 2,373,287 14,242 SH   SOLE   0 0 14,242
REPUBLIC SVCS INC COM 760759100 BBG001S9DL33 2,000,580 14,795 SH   SOLE   0 0 14,795
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 3,120,774 89,677 SH   SOLE   0 0 89,677
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 2,197,785 45,046 SH   SOLE   0 0 45,046
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 235,422 4,920 SH   SOLE   0 0 4,920
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 5,954,126 81,385 SH   SOLE   0 0 81,385
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 798,699 12,179 SH   SOLE   0 0 12,179
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 211,687 3,120 SH   SOLE   0 0 3,120
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 9,310,109 289,583 SH   SOLE   0 0 289,583
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 672,234 3,669 SH   SOLE   0 0 3,669
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 BBG001SRXRN6 2,606,816 101,314 SH   SOLE   0 0 101,314
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 2,871,164 38,931 SH   SOLE   0 0 38,931
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 6,525,591 85,660 SH   SOLE   0 0 85,660
TARGET CORP COM 87612E106 BBG001SC0K41 2,462,911 14,870 SH   SOLE   0 0 14,870
TESLA INC COM 88160R101 BBG001SQKGD7 237,749 1,146 SH   SOLE   0 0 1,146
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 2,283,555 4,832 SH   SOLE   0 0 4,832
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 9,378,161 37,597 SH   SOLE   0 0 37,597
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 3,714,618 19,060 SH   SOLE   0 0 19,060
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 6,646,720 49,576 SH   SOLE   0 0 49,576
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 424,528 2,080 SH   SOLE   0 0 2,080
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 26,490,008 191,804 SH   SOLE   0 0 191,804
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 826,047 8,970 SH   SOLE   0 0 8,970
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 BBG001T62M56 5,798,418 72,735 SH   SOLE   0 0 72,735
VISA INC COM CL A 92826C839 BBG001SRCFY3 1,546,430 6,859 SH   SOLE   0 0 6,859
WISDOMTREE TR US HIGH DIVIDEND 97717W208 BBG001SHKNX0 5,203,613 63,250 SH   SOLE   0 0 63,250
XCEL ENERGY INC COM 98389B100 BBG001S7F0X8 201,174 2,983 SH   SOLE   0 0 2,983