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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM COM 88579Y101 2,113 12,088 SH   SOLE   12,028 0 60
ABBOTT LABS COM COM 002824100 2,073 18,936 SH   SOLE   18,844 0 92
ABBVIE INC COM COM 00287Y109 2,167 20,223 SH   SOLE   20,121 0 101
ABERDEEN STANDARD PHYSICAL GOLD SHARES ETF PHYSCL GOLD SHS 00326A104 2,420 132,378 SH   SOLE   132,378 0 0
ALIGN TECHNOLOGY INC COM COM 016255101 4,156 7,778 SH   SOLE   7,778 0 0
ALPHABET INC CAP STK CL C CL C 02079K107 2,137 1,220 SH   SOLE   1,216 0 4
AMAZON COM INC COM COM 023135106 3,133 962 SH   SOLE   960 0 2
AMERICAN EXPRESS CO COM COM 025816109 2,221 18,371 SH   SOLE   18,303 0 68
ANALOG DEVICES INC COM COM 032654105 2,341 15,846 SH   SOLE   15,787 0 59
ANTHEM INC COM COM 036752103 2,061 6,419 SH   SOLE   6,395 0 24
APPLE INC COM SPONSORED ADR 037833100 3,873 29,190 SH   SOLE   29,189 0 0
ASTRAZENECA PLC SPONSORED ADR COM 046353108 1,705 34,106 SH   SOLE   33,943 0 163
AT&T INC COM COM 00206R102 1,788 62,177 SH   SOLE   61,879 0 298
AUTOMATIC DATA PROCESSING INC COM COM 053015103 2,154 12,223 SH   SOLE   12,162 0 60
BLACKROCK INC COM COM 09247X101 4,728 6,552 SH   SOLE   6,523 0 29
CARMAX INC COM COM 143130102 1,928 20,412 SH   SOLE   20,337 0 75
CISCO SYS INC COM COM 17275R102 1,876 41,932 SH   SOLE   41,728 0 203
CLOROX CO DEL COM CL A 189054109 1,758 8,708 SH   SOLE   8,666 0 42
COMCAST CORP NEW CL A COM 20030N101 2,339 44,634 SH   SOLE   44,466 0 168
COSTCO WHSL CORP NEW COM COM 22160K105 2,436 6,464 SH   SOLE   6,439 0 25
DISNEY WALT CO COM COM DISNEY 254687106 2,676 14,768 SH   SOLE   14,713 0 55
EVERSOURCE ENERGY COM COM 30040W108 296 3,417 SH   SOLE   3,417 0 0
EXXON MOBIL CORP COM COM 30231G102 1,735 42,087 SH   SOLE   41,894 0 192
FACEBOOK INC CL A CL A 30303M102 2,136 7,818 SH   SOLE   7,789 0 29
FEDEX CORP COM CL A 31428X106 3,854 14,845 SH   SOLE   14,845 0 0
FIRST INTST BANCSYSTEM INC COM CL A COM CL A 32055Y201 210 5,159 SH   SOLE   5,159 0 0
FRANCO NEV CORP COM COM 351858105 259 2,070 SH   SOLE   2,070 0 0
FREEPORT-MCMORAN INC CL B CL B 35671D857 5,706 219,287 SH   SOLE   219,287 0 0
FS KKR CAP CORP COM COM 302635206 718 43,371 SH   SOLE   43,371 0 0
FS KKR CAP CORP II COM COM 35952V303 3,283 200,208 SH   SOLE   200,208 0 0
GAP INC COM COM 364760108 3,559 176,268 SH   SOLE   176,268 0 0
GENUINE PARTS CO COM COM 372460105 2,282 22,720 SH   SOLE   22,604 0 116
INTEL CORP COM COM 458140100 1,584 31,804 SH   SOLE   31,657 0 146
INTERNATIONAL PAPER CO COM COM 460146103 2,551 51,314 SH   SOLE   51,052 0 262
INVESCO QQQ TRUST UNIT SER 1 46090E103 28,361 90,395 SH   SOLE   90,149 0 245
IQVIA HLDGS INC COM COM 46266C105 2,218 12,379 SH   SOLE   12,333 0 46
ISHARES COMEX GOLD TRUST ISHARES 464285105 254 14,000 SH   SOLE   14,000 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF CORE TOTAL USD 46434V613 4,754 87,099 SH   SOLE   86,856 0 243
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 6,317 72,357 SH   SOLE   72,356 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 6,446 46,669 SH   SOLE   46,668 0 0
ISHARES U.S. BASIC MATERIALS ETF U.S. BAS MTL ETF 464287838 9,394 82,836 SH   SOLE   82,651 0 185
JOHNSON & JOHNSON COM COM 478160104 1,949 12,382 SH   SOLE   12,324 0 58
JPMORGAN CHASE & CO COM COM 46625H100 4,735 37,266 SH   SOLE   37,102 0 164
KIMBERLY-CLARK CORP COM COM 494368103 1,772 13,141 SH   SOLE   13,077 0 63
KROGER CO COM COM 501044101 1,738 54,718 SH   SOLE   54,457 0 260
L BRANDS INC COM COM 501797104 4,500 120,987 SH   SOLE   120,987 0 0
LOWES COS INC COM COM 548661107 2,252 14,030 SH   SOLE   13,977 0 53
MADISON COVERED CALL & EQUITY COM COM 557437100 132 19,621 SH   SOLE   19,621 0 0
MASTERCARD INCORPORATED CL A CL A 57636Q104 2,195 6,150 SH   SOLE   6,128 0 22
MCDONALDS CORP COM COM 580135101 2,056 9,583 SH   SOLE   9,534 0 48
MERCK & CO. INC COM COM 58933Y105 1,901 23,244 SH   SOLE   23,131 0 113
METLIFE INC COM COM 59156R108 2,375 50,584 SH   SOLE   50,327 0 256
MICROSOFT CORP COM COM 594918104 4,319 19,420 SH   SOLE   19,336 0 84
OREILLY AUTOMOTIVE INC COM COM 67103H107 1,931 4,266 SH   SOLE   4,250 0 16
PHILLIPS 66 COM COM 718546104 1,747 24,977 SH   SOLE   24,863 0 114
PPL CORP COM COM 69351T106 1,990 70,582 SH   SOLE   70,233 0 348
PROCTER AND GAMBLE CO COM COM 742718109 2,159 15,519 SH   SOLE   15,442 0 76
QUALCOMM INC COM COM 747525103 7,078 46,463 SH   SOLE   46,354 0 109
QUANTA SVCS INC COM COM 74762E102 3,990 55,396 SH   SOLE   55,396 0 0
RAYTHEON TECHNOLOGIES CORP COM COM 75513E101 4,170 58,314 SH   SOLE   58,058 0 255
REAL ESTATE SELECT SECTOR SPDR FUND RL EST SEL SEC 81369Y860 806 22,037 SH   SOLE   21,797 0 240
ROYAL GOLD INC COM COM 780287108 228 2,143 SH   SOLE   2,143 0 0
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706 621 20,267 SH   SOLE   20,039 0 228
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 29,795 827,397 SH   SOLE   820,839 0 6,558
SCHWAB SHORT-TERM U.S. TREASURY ETF SHT TM US TRES 808524862 1,211 23,559 SH   SOLE   23,292 0 267
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102 25,358 278,686 SH   SOLE   276,606 0 2,079
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201 45,346 498,582 SH   SOLE   495,017 0 3,564
SCHWAB U.S. LARGE-CAP GROWTH ETF US LCAP GR ETF 808524300 9,165 71,373 SH   SOLE   71,208 0 165
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508 26,078 382,487 SH   SOLE   379,605 0 2,881
SCHWAB U.S. SMALL-CAP ETF US SML CAP ETF 808524607 1,064 11,953 SH   SOLE   11,876 0 77
SCHWAB U.S. TIPS ETF US TIPS ETF 808524870 1,051 16,930 SH   SOLE   16,764 0 166
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 24,558 382,878 SH   SOLE   380,041 0 2,836
SOUTHERN CO COM COM 842587107 2,028 33,010 SH   SOLE   32,850 0 160
SPDR GOLD SHARES GOLD SHS 78463V107 513 2,879 SH   SOLE   2,879 0 0
SPDR S&P 400 MID CAP GROWTH ETF S&P 400 MDCP GRW 78464A821 9,720 140,201 SH   SOLE   139,898 0 303
SPDR S&P 500 ETF TR UNIT 78462F103 440 1,178 SH   SOLE   1,178 0 0
STARBUCKS CORP COM COM 855244109 2,441 22,814 SH   SOLE   22,699 0 115
TARGET CORP COM COM 87612E106 2,511 14,227 SH   SOLE   14,153 0 73
TESLA INC COM COM 88160R101 524 743 SH   SOLE   743 0 0
TEXAS INSTRS INC COM COM 882508104 2,436 14,844 SH   SOLE   14,767 0 76
UBER TECHNOLOGIES INC COM COM 90353T100 1,932 37,880 SH   SOLE   37,737 0 143
UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704 2,055 34,048 SH   SOLE   33,880 0 168
UNITED PARCEL SERVICE INC CL B CL B 911312106 2,932 17,408 SH   SOLE   17,315 0 93
UNITEDHEALTH GROUP INC COM COM 91324P102 2,111 6,021 SH   SOLE   5,999 0 22
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 21,626 232,912 SH   SOLE   231,241 0 1,671
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND SHRT TRM CORP BD 92206C409 2,675 32,137 SH   SOLE   32,137 0 0
VERIZON COMMUNICATIONS INC COM COM 92343V104 369 6,289 SH   SOLE   6,288 0 0
WALGREENS BOOTS ALLIANCE INC COM COM 931427108 1,767 44,311 SH   SOLE   44,099 0 211
WALMART INC COM COM 931142103 2,086 14,474 SH   SOLE   14,403 0 71
WASTE MGMT INC DEL COM COM 94106L109 2,093 17,744 SH   SOLE   17,657 0 87