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   286,275 1,611 SH   SOLE   0 0 1,611
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   423,203 1,203 SH   SOLE   0 0 1,203
ADOBE INC COM 00724F101   1,116,147 2,510 SH   SOLE   0 0 2,510
ADVANCED MICRO DEVICES INC COM 007903107   258,491 2,140 SH   SOLE   0 0 2,140
AIR PRODS & CHEMS INC COM 009158106   635,188 2,190 SH   SOLE   0 0 2,190
ALCON AG ORD SHS H01301128   437,523 5,154 SH   SOLE   0 0 5,154
ALLSTATE CORP COM 020002101   329,049 1,700 SH   SOLE   0 0 1,700
ALPHABET INC CAP STK CL C 02079K107   881,928 4,631 SH   SOLE   0 0 4,631
ALPHABET INC CAP STK CL A 02079K305   1,834,506 9,691 SH   SOLE   0 0 9,691
ALTRIA GROUP INC COM 02209S103   247,802 4,739 SH   SOLE   0 0 4,739
AMAZON COM INC COM 023135106   3,225,472 14,702 SH   SOLE   0 0 14,702
AMBEV SA SPONSORED ADR 02319V103   23,456 12,679 SH   SOLE   0 0 12,679
AMERICAN ELEC PWR CO INC COM 025537101   295,874 3,208 SH   SOLE   0 0 3,208
AMERICAN EXPRESS CO COM 025816109   252,272 850 SH   SOLE   0 0 850
AMERICAN INTL GROUP INC COM NEW 026874784   456,092 6,265 SH   SOLE   0 0 6,265
AMERICAN WTR WKS CO INC NEW COM 030420103   478,913 3,847 SH   SOLE   0 0 3,847
AMERIPRISE FINL INC COM 03076C106   958,374 1,800 SH   SOLE   0 0 1,800
AMGEN INC COM 031162100   546,041 2,095 SH   SOLE   0 0 2,095
ANSYS INC COM 03662Q105   678,033 2,010 SH   SOLE   0 0 2,010
APPLE INC COM 037833100   5,043,960 20,142 SH   SOLE   0 0 20,142
APPLIED MATLS INC COM 038222105   223,616 1,375 SH   SOLE   0 0 1,375
APTARGROUP INC COM 038336103   233,765 1,488 SH   SOLE   0 0 1,488
ASML HOLDING N V N Y REGISTRY SHS N07059210   308,249 444 SH   SOLE   0 0 444
ASTRAZENECA PLC SPONSORED ADR 046353108   271,777 4,148 SH   SOLE   0 0 4,148
ATMOS ENERGY CORP COM 049560105   509,728 3,660 SH   SOLE   0 0 3,660
AUTOMATIC DATA PROCESSING IN COM 053015103   218,682 747 SH   SOLE   0 0 747
AUTOZONE INC COM 053332102   387,442 121 SH   SOLE   0 0 121
BAKER HUGHES COMPANY CL A 05722G100   608,327 14,830 SH   SOLE   0 0 14,830
BANCO BRADESCO S A SP ADR PFD NEW 059460303   42,578 22,292 SH   SOLE   0 0 22,292
BANK AMERICA CORP COM 060505104   501,426 11,409 SH   SOLE   0 0 11,409
BAXTER INTL INC COM 071813109   299,275 10,204 SH   SOLE   0 0 10,204
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   509,033 1,123 SH   SOLE   0 0 1,123
BLACKROCK INC COM 09290D101   604,815 590 SH   SOLE   0 0 590
BLACKSTONE INC COM 09260D107   511,743 2,968 SH   SOLE   0 0 2,968
BOOKING HOLDINGS INC COM 09857L108   223,579 45 SH   SOLE   0 0 45
BROADCOM INC COM 11135F101   1,288,799 5,559 SH   SOLE   0 0 5,559
CANADIAN NATL RY CO COM 136375102   259,046 2,552 SH   SOLE   0 0 2,552
CAPITAL ONE FINL CORP COM 14040H105   763,210 4,280 SH   SOLE   0 0 4,280
CARRIER GLOBAL CORPORATION COM 14448C104   490,361 7,162 SH   SOLE   0 0 7,162
CATERPILLAR INC COM 149123101   246,314 679 SH   SOLE   0 0 679
CHEVRON CORP NEW COM 166764100   949,861 6,558 SH   SOLE   0 0 6,558
CHUBB LIMITED COM H1467J104   430,717 1,554 SH   SOLE   0 0 1,554
CISCO SYS INC COM 17275R102   624,323 10,546 SH   SOLE   0 0 10,546
COCA COLA CO COM 191216100   1,050,513 16,873 SH   SOLE   0 0 16,873
COMMERCE BANCSHARES INC COM 200525103   253,851 4,074 SH   SOLE   0 0 4,074
CONOCOPHILLIPS COM 20825C104   255,561 2,577 SH   SOLE   0 0 2,577
CONSTELLATION BRANDS INC CL A 21036P108   326,196 1,476 SH   SOLE   0 0 1,476
CORTEVA INC COM 22052L104   621,263 10,907 SH   SOLE   0 0 10,907
COTERRA ENERGY INC COM 127097103   444,396 17,400 SH   SOLE   0 0 17,400
CULLEN FROST BANKERS INC COM 229899109   378,585 2,820 SH   SOLE   0 0 2,820
CUMMINS INC COM 231021106   263,890 757 SH   SOLE   0 0 757
CVS HEALTH CORP COM 126650100   256,142 5,706 SH   SOLE   0 0 5,706
DANAHER CORPORATION COM 235851102   243,323 1,060 SH   SOLE   0 0 1,060
DIAGEO PLC SPON ADR NEW 25243Q205   581,874 4,577 SH   SOLE   0 0 4,577
DISNEY WALT CO COM 254687106   473,704 4,236 SH   SOLE   0 0 4,236
DR REDDYS LABS LTD ADR 256135203   293,647 18,597 SH   SOLE   0 0 18,597
EATON CORP PLC SHS G29183103   645,819 1,946 SH   SOLE   0 0 1,946
ECOLAB INC COM 278865100   649,712 2,767 SH   SOLE   0 0 2,767
ELI LILLY & CO COM 532457108   768,912 996 SH   SOLE   0 0 996
EMBRAER S.A. SPONSORED ADS 29082A107   419,656 11,441 SH   SOLE   0 0 11,441
EMERSON ELEC CO COM 291011104   492,622 3,975 SH   SOLE   0 0 3,975
EQUITY LIFESTYLE PPTYS INC COM 29472R108   307,215 4,580 SH   SOLE   0 0 4,580
EXXON MOBIL CORP COM 30231G102   309,264 2,875 SH   SOLE   0 0 2,875
FIRSTENERGY CORP COM 337932107   583,334 14,664 SH   SOLE   0 0 14,664
GENERAL DYNAMICS CORP COM 369550108   468,749 1,779 SH   SOLE   0 0 1,779
GOLDMAN SACHS GROUP INC COM 38141G104   430,038 751 SH   SOLE   0 0 751
HARTFORD FINL SVCS GROUP INC COM 416515104   371,755 3,397 SH   SOLE   0 0 3,397
HDFC BANK LTD SPONSORED ADS 40415F101   332,774 5,211 SH   SOLE   0 0 5,211
HOLOGIC INC COM 436440101   344,590 4,780 SH   SOLE   0 0 4,780
HOME DEPOT INC COM 437076102   296,021 761 SH   SOLE   0 0 761
HONEYWELL INTL INC COM 438516106   994,368 4,402 SH   SOLE   0 0 4,402
HSBC HLDGS PLC SPON ADR NEW 404280406   211,986 4,286 SH   SOLE   0 0 4,286
IMAX CORP COM 45245E109   273,664 10,690 SH   SOLE   0 0 10,690
INGERSOLL RAND INC COM 45687V106   607,077 6,711 SH   SOLE   0 0 6,711
INTEL CORP COM 458140100   359,256 17,918 SH   SOLE   0 0 17,918
INTUIT COM 461202103   387,156 616 SH   SOLE   0 0 616
INTUITIVE SURGICAL INC COM NEW 46120E602   238,014 456 SH   SOLE   0 0 456
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   72,215,107 3,427,390 SH   SOLE   0 0 3,427,390
ISHARES INC CORE MSCI EMKT 46434G103   616,196 11,800 SH   SOLE   0 0 11,800
ISHARES TR CORE US AGGBD ET 464287226   53,683 554 SH   SOLE   0 0 554
ISHARES TR MSCI EMG MKT ETF 464287234   13,257 317 SH   SOLE   0 0 317
ISHARES TR MSCI EAFE ETF 464287465   4,747,174 62,785 SH   SOLE   0 0 62,785
ISHARES TR RUS MD CP GR ETF 464287481   80,144,025 632,300 SH   SOLE   0 0 632,300
ISHARES TR RUS 1000 ETF 464287622   10,309 32 SH   SOLE   0 0 32
ISHARES TR RUSSELL 2000 ETF 464287655   58,809,609 266,155 SH   SOLE   0 0 266,155
ISHARES TR CORE S&P SCP ETF 464287804   734,528 6,375 SH   SOLE   0 0 6,375
ISHARES TR MSCI ACWI ETF 464288257   1,784,238 15,185 SH   SOLE   0 0 15,185
ISHARES TR INTL SEL DIV ETF 464288448   5,939,817 216,940 SH   SOLE   0 0 216,940
ISHARES TR MBS ETF 464288588   293,376 3,200 SH   SOLE   0 0 3,200
ISHARES TR PFD AND INCM SEC 464288687   6,288 200 SH   SOLE   0 0 200
ISHARES TR EAFE GRWTH ETF 464288885   1,467,459 15,155 SH   SOLE   0 0 15,155
ISHARES TR MSCI INTL VLU FT 46435G409   2,105,905 77,680 SH   SOLE   0 0 77,680
ISHARES TR FALN ANGLS USD 46435G474   34,573,424 1,294,400 SH   SOLE   0 0 1,294,400
ISHARES TR BROAD USD HIGH 46435U853   79,871,090 2,171,000 SH   SOLE   0 0 2,171,000
JOHNSON & JOHNSON COM 478160104   824,479 5,701 SH   SOLE   0 0 5,701
JPMORGAN CHASE & CO. COM 46625H100   1,298,269 5,416 SH   SOLE   0 0 5,416
KINDER MORGAN INC DEL COM 49456B101   753,089 27,485 SH   SOLE   0 0 27,485
KNIFE RIVER CORP COMMON STOCK 498894104   10,860,539 106,853 SH   SOLE   0 0 106,853
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   374,888 14,806 SH   SOLE   0 0 14,806
LENNAR CORP CL A 526057104   603,301 4,424 SH   SOLE   0 0 4,424
LENNAR CORP CL B 526057302   20,351 154 SH   SOLE   0 0 154
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   30,951 11,379 SH   SOLE   0 0 11,379
LOWES COS INC COM 548661107   638,472 2,587 SH   SOLE   0 0 2,587
MARRIOTT INTL INC NEW CL A 571903202   316,039 1,133 SH   SOLE   0 0 1,133
MARTIN MARIETTA MATLS INC COM 573284106   614,119 1,189 SH   SOLE   0 0 1,189
MASTERCARD INCORPORATED CL A 57636Q104   605,556 1,150 SH   SOLE   0 0 1,150
MCKESSON CORP COM 58155Q103   224,014 393 SH   SOLE   0 0 393
MDU RES GROUP INC COM 552690109   4,655,125 258,331 SH   SOLE   0 0 258,331
MEDTRONIC PLC SHS G5960L103   566,223 7,057 SH   SOLE   0 0 7,057
MERCADOLIBRE INC COM 58733R102   217,656 128 SH   SOLE   0 0 128
MERCK & CO INC COM 58933Y105   337,735 3,395 SH   SOLE   0 0 3,395
META PLATFORMS INC CL A 30303M102   1,486,024 2,538 SH   SOLE   0 0 2,538
METHANEX CORP COM 59151K108   468,121 9,365 SH   SOLE   0 0 9,365
MICROCHIP TECHNOLOGY INC. COM 595017104   395,715 6,900 SH   SOLE   0 0 6,900
MICROSOFT CORP COM 594918104   4,674,857 11,091 SH   SOLE   0 0 11,091
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   422,764 36,072 SH   SOLE   0 0 36,072
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   85,208 17,425 SH   SOLE   0 0 17,425
MOLINA HEALTHCARE INC COM 60855R100   243,900 838 SH   SOLE   0 0 838
MOODYS CORP COM 615369105   326,625 690 SH   SOLE   0 0 690
NETFLIX INC COM 64110L106   451,008 506 SH   SOLE   0 0 506
NEWMONT CORP COM 651639106   544,566 14,631 SH   SOLE   0 0 14,631
NIKE INC CL B 654106103   313,048 4,116 SH   SOLE   0 0 4,116
NOKIA CORP SPONSORED ADR 654902204   76,409 17,248 SH   SOLE   0 0 17,248
NOVARTIS AG SPONSORED ADR 66987V109   219,337 2,254 SH   SOLE   0 0 2,254
NOVO-NORDISK A S ADR 670100205   274,060 3,186 SH   SOLE   0 0 3,186
NVIDIA CORPORATION COM 67066G104   3,731,919 27,790 SH   SOLE   0 0 27,790
OSHKOSH CORP COM 688239201   293,766 3,090 SH   SOLE   0 0 3,090
PARKER-HANNIFIN CORP COM 701094104   962,313 1,513 SH   SOLE   0 0 1,513
PAYPAL HLDGS INC COM 70450Y103   586,696 6,874 SH   SOLE   0 0 6,874
PFIZER INC COM 717081103   437,931 16,507 SH   SOLE   0 0 16,507
PHILIP MORRIS INTL INC COM 718172109   222,286 1,847 SH   SOLE   0 0 1,847
PNC FINL SVCS GROUP INC COM 693475105   605,935 3,142 SH   SOLE   0 0 3,142
PROCTER AND GAMBLE CO COM 742718109   1,358,971 8,106 SH   SOLE   0 0 8,106
PROGRESSIVE CORP COM 743315103   296,637 1,238 SH   SOLE   0 0 1,238
PRUDENTIAL FINL INC COM 744320102   374,318 3,158 SH   SOLE   0 0 3,158
QUALCOMM INC COM 747525103   1,204,688 7,842 SH   SOLE   0 0 7,842
QUEST DIAGNOSTICS INC COM 74834L100   274,565 1,820 SH   SOLE   0 0 1,820
REALTY INCOME CORP COM 756109104   344,868 6,457 SH   SOLE   0 0 6,457
ROYAL BK CDA COM 780087102   252,348 2,094 SH   SOLE   0 0 2,094
RPM INTL INC COM 749685103   516,852 4,200 SH   SOLE   0 0 4,200
RTX CORPORATION COM 75513E101   480,122 4,149 SH   SOLE   0 0 4,149
S&P GLOBAL INC COM 78409V104   248,019 498 SH   SOLE   0 0 498
SALESFORCE INC COM 79466L302   933,320 2,790 SH   SOLE   0 0 2,790
SANOFI SPONSORED ADR 80105N105   529,999 10,989 SH   SOLE   0 0 10,989
SAP SE SPON ADR 803054204   583,271 2,369 SH   SOLE   0 0 2,369
SCHWAB CHARLES CORP COM 808513105   532,132 7,190 SH   SOLE   0 0 7,190
SELECT SECTOR SPDR TR ENERGY 81369Y506   11,307,120 132,000 SH   SOLE   0 0 132,000
SERVICENOW INC COM 81762P102   457,972 432 SH   SOLE   0 0 432
SHOPIFY INC CL A 82509L107   275,076 2,587 SH   SOLE   0 0 2,587
SONY GROUP CORP SPONSORED ADR 835699307   753,465 35,608 SH   SOLE   0 0 35,608
SOUTHERN CO COM 842587107   577,804 7,019 SH   SOLE   0 0 7,019
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,064,362 1,810 SH   SOLE   0 0 1,810
SPDR SER TR PRTFLO S&P500 VL 78464A508   40,912 800 SH   SOLE   0 0 800
SPDR SER TR S&P BK ETF 78464A797   9,734,985 175,500 SH   SOLE   0 0 175,500
SPDR SER TR BLOOMBERG SHT TE 78468R408   134,195,165 5,314,660 SH   SOLE   0 0 5,314,660
SPDR SER TR BLOOMBERG HIGH Y 78468R622   40,269,246 421,800 SH   SOLE   0 0 421,800
STRYKER CORPORATION COM 863667101   376,252 1,045 SH   SOLE   0 0 1,045
SYSCO CORP COM 871829107   442,627 5,789 SH   SOLE   0 0 5,789
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,683,479 8,518 SH   SOLE   0 0 8,518
TCW ETF TRUST TRANSFRM 500 ETF 29287L106   52,650,752 765,439 SH   SOLE   0 0 765,439
TELEDYNE TECHNOLOGIES INC COM 879360105   449,278 968 SH   SOLE   0 0 968
TESLA INC COM 88160R101   1,195,770 2,961 SH   SOLE   0 0 2,961
TEXAS INSTRS INC COM 882508104   250,888 1,338 SH   SOLE   0 0 1,338
TIMKEN CO COM 887389104   249,438 3,495 SH   SOLE   0 0 3,495
TJX COS INC NEW COM 872540109   286,803 2,374 SH   SOLE   0 0 2,374
TOTALENERGIES SE SPONSORED ADS 89151E109   515,298 9,348 SH   SOLE   0 0 9,348
UBS GROUP AG SHS H42097107   212,755 7,017 SH   SOLE   0 0 7,017
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405   93,761 14,447 SH   SOLE   0 0 14,447
UNITEDHEALTH GROUP INC COM 91324P102   515,471 1,019 SH   SOLE   0 0 1,019
US BANCORP DEL COM NEW 902973304   851,133 17,616 SH   SOLE   0 0 17,616
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   753,881,939 1,399,161 SH   SOLE   0 0 1,399,161
VANGUARD INDEX FDS GROWTH ETF 922908736   11,262,474 27,440 SH   SOLE   0 0 27,440
VANGUARD INDEX FDS VALUE ETF 922908744   28,999,736 171,292 SH   SOLE   0 0 171,292
VANGUARD INDEX FDS TOTAL STK MKT 922908769   284,014 980 SH   SOLE   0 0 980
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   26,433 225 SH   SOLE   0 0 225
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,657,137 37,628 SH   SOLE   0 0 37,628
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   62,160 875 SH   SOLE   0 0 875
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   106,561,500 1,425,000 SH   SOLE   0 0 1,425,000
VANGUARD STAR FDS VG TL INTL STK F 921909768   113,279,665 1,922,275 SH   SOLE   0 0 1,922,275
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,971,308 83,047 SH   SOLE   0 0 83,047
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   16,612,218 130,200 SH   SOLE   0 0 130,200
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   2,986,720 44,000 SH   SOLE   0 0 44,000
VANGUARD WORLD FD ESG INTL STK ETF 921910725   5,717,061 100,830 SH   SOLE   0 0 100,830
VANGUARD WORLD FD ESG US STK ETF 921910733   47,131,377 449,341 SH   SOLE   0 0 449,341
VANGUARD WORLD FD MEGA GRWTH IND 921910816   287,052,985 835,890 SH   SOLE   0 0 835,890
VERIZON COMMUNICATIONS INC COM 92343V104   1,024,024 25,607 SH   SOLE   0 0 25,607
VISA INC COM CL A 92826C839   725,628 2,296 SH   SOLE   0 0 2,296
WALMART INC COM 931142103   908,561 10,036 SH   SOLE   0 0 10,036
WARNER BROS DISCOVERY INC COM SER A 934423104   328,896 31,116 SH   SOLE   0 0 31,116
WASTE MGMT INC DEL COM 94106L109   253,448 1,256 SH   SOLE   0 0 1,256
WELLS FARGO CO NEW COM 949746101   228,280 3,250 SH   SOLE   0 0 3,250
WELLTOWER INC COM 95040Q104   227,106 1,802 SH   SOLE   0 0 1,802
WIPRO LTD SPON ADR 1 SH 97651M109   334,937 94,615 SH   SOLE   0 0 94,615
XCEL ENERGY INC COM 98389B100   406,133 6,015 SH   SOLE   0 0 6,015
XYLEM INC COM 98419M100   495,057 4,267 SH   SOLE   0 0 4,267