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 259,730 1,676 SH   SOLE   0 0 1,676
ALLETE INC COM NEW 018522300 BBG001S77110 225,313 3,684 SH   SOLE   0 0 3,684
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 681,967 4,882 SH   SOLE   0 0 4,882
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 2,739,397 19,438 SH   SOLE   0 0 19,438
AMAZON COM INC COM 023135106 BBG001S5PQL7 3,272,940 21,541 SH   SOLE   0 0 21,541
AMERICAN CENTY ETF TR MULTISECTOR 025072398 BBG011MFKJQ6 14,370,894 329,607 SH   SOLE   0 0 329,607
AMERICAN CENTY ETF TR US QUALITY GROW 025072307 BBG00LY8L335 10,674,511 140,306 SH   SOLE   0 0 140,306
AMGEN INC COM 031162100 BBG001S5NNL6 2,411,591 8,373 SH   SOLE   0 0 8,373
APPLE INC COM 037833100 BBG001S5N8V8 4,641,401 24,107 SH   SOLE   0 0 24,107
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,846,860 7,982 SH   SOLE   0 0 7,982
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 1,248,441 8,369 SH   SOLE   0 0 8,369
CISCO SYS INC COM 17275R102 BBG001S6HC62 465,592 9,216 SH   SOLE   0 0 9,216
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,141,003 19,362 SH   SOLE   0 0 19,362
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 2,747,913 4,163 SH   SOLE   0 0 4,163
CUMMINS INC COM 231021106 BBG001S5Q9M3 2,164,755 9,036 SH   SOLE   0 0 9,036
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 1,415,674 17,929 SH   SOLE   0 0 17,929
DEERE & CO COM 244199105 BBG001S5QFF7 2,454,802 6,139 SH   SOLE   0 0 6,139
DISNEY WALT CO COM 254687106 BBG001S5QHF3 2,272,045 25,163 SH   SOLE   0 0 25,163
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,904,400 3,267 SH   SOLE   0 0 3,267
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 224,655 2,247 SH   SOLE   0 0 2,247
HOME DEPOT INC COM 437076102 BBG001S5RTW7 2,801,164 8,083 SH   SOLE   0 0 8,083
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 2,539,073 15,524 SH   SOLE   0 0 15,524
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 325,832 5,200 SH   SOLE   0 0 5,200
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 24,601,251 155,901 SH   SOLE   0 0 155,901
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 262,912 642 SH   SOLE   0 0 642
ISHARES SILVER TR ISHARES 46428Q109 BBG001SQLN69 313,632 14,400 SH   SOLE   0 0 14,400
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 383,837 3,647 SH   SOLE   0 0 3,647
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 26,123,754 263,211 SH   SOLE   0 0 263,211
ISHARES TR GLOBAL ENERG ETF 464287341 BBG001S7RSN5 2,256,219 57,689 SH   SOLE   0 0 57,689
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 202,205 1,725 SH   SOLE   0 0 1,725
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 BBG00F7XD8R5 2,451,530 50,735 SH   SOLE   0 0 50,735
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 311,637 1,988 SH   SOLE   0 0 1,988
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,971,068 17,466 SH   SOLE   0 0 17,466
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,719,541 9,891 SH   SOLE   0 0 9,891
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 2,156,253 4,606 SH   SOLE   0 0 4,606
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 499,182 1,008 SH   SOLE   0 0 1,008
PEPSICO INC COM 713448108 BBG001S695T1 2,502,869 14,736 SH   SOLE   0 0 14,736
QUANTA SVCS INC COM 74762E102 BBG001S5VH85 2,991,635 13,863 SH   SOLE   0 0 13,863
REPUBLIC SVCS INC COM 760759100 BBG001S9DL33 2,583,975 15,669 SH   SOLE   0 0 15,669
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 3,293,082 89,098 SH   SOLE   0 0 89,098
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 2,502,195 51,644 SH   SOLE   0 0 51,644
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 273,451 4,912 SH   SOLE   0 0 4,912
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 5,936,830 77,982 SH   SOLE   0 0 77,982
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 625,619 8,924 SH   SOLE   0 0 8,924
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 247,554 3,286 SH   SOLE   0 0 3,286
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 11,212,137 298,195 SH   SOLE   0 0 298,195
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 531,261 2,779 SH   SOLE   0 0 2,779
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 BBG001SRXRN6 2,733,192 101,079 SH   SOLE   0 0 101,079
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 5,923,760 70,832 SH   SOLE   0 0 70,832
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 7,011,849 84,165 SH   SOLE   0 0 84,165
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 2,301,200 4,371 SH   SOLE   0 0 4,371
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 18,622,560 59,902 SH   SOLE   0 0 59,902
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 4,359,954 19,856 SH   SOLE   0 0 19,856
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 7,236,162 49,901 SH   SOLE   0 0 49,901
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 568,379 2,396 SH   SOLE   0 0 2,396
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 30,227,237 202,188 SH   SOLE   0 0 202,188
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 922,834 8,970 SH   SOLE   0 0 8,970
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 BBG001T62M56 6,323,599 78,897 SH   SOLE   0 0 78,897
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 214,534 1,259 SH   SOLE   0 0 1,259
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 243,527 5,084 SH   SOLE   0 0 5,084
VISA INC COM CL A 92826C839 BBG001SRCFY3 2,726,125 10,471 SH   SOLE   0 0 10,471
WISDOMTREE TR US HIGH DIVIDEND 97717W208 BBG001SHKNX0 5,041,120 61,342 SH   SOLE   0 0 61,342