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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 260,029 1,930 SH   SOLE   0 0 1,930
ALLETE INC COM NEW 018522300 BBG001S77110 213,561 3,684 SH   SOLE   0 0 3,684
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 669,722 5,595 SH   SOLE   0 0 5,595
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 2,210,001 18,269 SH   SOLE   0 0 18,269
AMAZON COM INC COM 023135106 BBG001S5PQL7 3,058,506 23,462 SH   SOLE   0 0 23,462
AMERICAN CENTY ETF TR MULTISECTOR 025072398 BBG011MFKJQ6 13,503,500 315,443 SH   SOLE   0 0 315,443
AMGEN INC COM 031162100 BBG001S5NNL6 1,683,800 7,584 SH   SOLE   0 0 7,584
APPLE INC COM 037833100 BBG001S5N8V8 4,908,298 25,304 SH   SOLE   0 0 25,304
AQUA METALS INC COM 03837J101 BBG009CQH0Q2 16,386 14,005 SH   SOLE   0 0 14,005
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,536,358 7,438 SH   SOLE   0 0 7,438
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 1,334,838 8,483 SH   SOLE   0 0 8,483
CISCO SYS INC COM 17275R102 BBG001S6HC62 539,131 10,420 SH   SOLE   0 0 10,420
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,146,167 19,033 SH   SOLE   0 0 19,033
CUMMINS INC COM 231021106 BBG001S5Q9M3 1,964,467 8,013 SH   SOLE   0 0 8,013
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 1,818,741 26,309 SH   SOLE   0 0 26,309
DEERE & CO COM 244199105 BBG001S5QFF7 2,048,235 5,055 SH   SOLE   0 0 5,055
DISNEY WALT CO COM 254687106 BBG001S5QHF3 1,728,180 19,357 SH   SOLE   0 0 19,357
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 10,308,943 103,017 SH   SOLE   0 0 103,017
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,684,290 5,422 SH   SOLE   0 0 5,422
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 1,889,015 14,117 SH   SOLE   0 0 14,117
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 344,638 5,487 SH   SOLE   0 0 5,487
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 12,909,342 86,269 SH   SOLE   0 0 86,269
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 237,168 642 SH   SOLE   0 0 642
ISHARES SILVER TR ISHARES 46428Q109 BBG001SQLN69 300,816 14,400 SH   SOLE   0 0 14,400
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 285,641 2,919 SH   SOLE   0 0 2,919
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 15,308,947 156,293 SH   SOLE   0 0 156,293
ISHARES TR GLOBAL ENERG ETF 464287341 BBG001S7RSN5 1,954,183 52,504 SH   SOLE   0 0 52,504
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 BBG00F7XD8R5 3,425,517 71,679 SH   SOLE   0 0 71,679
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 313,263 1,893 SH   SOLE   0 0 1,893
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,344,955 16,123 SH   SOLE   0 0 16,123
LILLY ELI & CO COM 532457108 BBG001S5STL8 1,450,086 3,092 SH   SOLE   0 0 3,092
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,530,355 10,367 SH   SOLE   0 0 10,367
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 1,863,766 4,089 SH   SOLE   0 0 4,089
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 393,409 930 SH   SOLE   0 0 930
PEPSICO INC COM 713448108 BBG001S695T1 2,434,035 13,141 SH   SOLE   0 0 13,141
QUANTA SVCS INC COM 74762E102 BBG001S5VH85 2,491,182 12,681 SH   SOLE   0 0 12,681
REPUBLIC SVCS INC COM 760759100 BBG001S9DL33 2,167,202 14,149 SH   SOLE   0 0 14,149
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 3,013,525 84,531 SH   SOLE   0 0 84,531
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 2,178,759 45,334 SH   SOLE   0 0 45,334
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 253,950 4,912 SH   SOLE   0 0 4,912
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 5,511,328 75,893 SH   SOLE   0 0 75,893
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 590,700 8,805 SH   SOLE   0 0 8,805
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 231,907 3,265 SH   SOLE   0 0 3,265
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 9,767,365 289,747 SH   SOLE   0 0 289,747
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 655,677 3,678 SH   SOLE   0 0 3,678
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 BBG001SRXRN6 2,438,801 93,333 SH   SOLE   0 0 93,333
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 2,961,790 38,485 SH   SOLE   0 0 38,485
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 6,491,951 84,104 SH   SOLE   0 0 84,104
TARGET CORP COM 87612E106 BBG001SC0K41 1,723,177 13,064 SH   SOLE   0 0 13,064
TESLA INC COM 88160R101 BBG001SQKGD7 210,725 805 SH   SOLE   0 0 805
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,900,931 3,955 SH   SOLE   0 0 3,955
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 14,166,676 50,066 SH   SOLE   0 0 50,066
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 3,868,674 18,801 SH   SOLE   0 0 18,801
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 6,723,523 48,587 SH   SOLE   0 0 48,587
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 458,182 2,080 SH   SOLE   0 0 2,080
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 27,458,702 193,235 SH   SOLE   0 0 193,235
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 869,911 8,970 SH   SOLE   0 0 8,970
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 BBG001T62M56 5,862,841 74,695 SH   SOLE   0 0 74,695
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 204,499 1,259 SH   SOLE   0 0 1,259
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 201,811 4,370 SH   SOLE   0 0 4,370
VISA INC COM CL A 92826C839 BBG001SRCFY3 1,402,082 5,904 SH   SOLE   0 0 5,904
WISDOMTREE TR US HIGH DIVIDEND 97717W208 BBG001SHKNX0 4,873,019 61,242 SH   SOLE   0 0 61,242