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 2,365 12,274 SH   SOLE   12,213 0 60
ABBOTT LABS COM COM 002824100 2,281 19,035 SH   SOLE   18,942 0 92
ABBVIE INC COM COM 00287Y109 2,230 20,609 SH   SOLE   20,508 0 101
ALPHABET INC CAP STK CL C CL C 02079K107 2,567 1,241 SH   SOLE   1,237 0 4
AMAZON COM INC COM COM 023135106 3,060 989 SH   SOLE   987 0 2
AMERICAN EXPRESS CO COM COM 025816109 2,623 18,545 SH   SOLE   18,477 0 68
ANALOG DEVICES INC COM COM 032654105 2,479 15,985 SH   SOLE   15,926 0 59
ANTHEM INC COM COM 036752103 2,399 6,683 SH   SOLE   6,659 0 24
APPLE INC COM COM 037833100 3,399 27,829 SH   SOLE   27,828 0 0
ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108 1,825 36,701 SH   SOLE   36,538 0 163
AT&T INC COM COM 00206R102 1,987 65,629 SH   SOLE   65,330 0 298
AUTOMATIC DATA PROCESSING INC COM COM 053015103 2,342 12,425 SH   SOLE   12,364 0 60
BLACKROCK INC COM COM 09247X101 4,961 6,580 SH   SOLE   6,550 0 29
CARMAX INC COM COM 143130102 2,729 20,572 SH   SOLE   20,497 0 75
CISCO SYS INC COM COM 17275R102 2,246 43,443 SH   SOLE   43,239 0 203
CLOROX CO DEL COM COM 189054109 1,808 9,373 SH   SOLE   9,331 0 42
COMCAST CORP NEW CL A CL A 20030N101 2,453 45,342 SH   SOLE   45,174 0 168
COSTCO WHSL CORP NEW COM COM 22160K105 2,327 6,602 SH   SOLE   6,577 0 25
DISCOVERY INC COM SER A COM SER A 25470F104 5,327 122,578 SH   SOLE   122,578 0 0
DISNEY WALT CO COM COM DISNEY 254687106 2,727 14,781 SH   SOLE   14,726 0 55
EVERSOURCE ENERGY COM COM 30040W108 296 3,417 SH   SOLE   3,417 0 0
EXXON MOBIL CORP COM COM 30231G102 2,378 42,600 SH   SOLE   42,408 0 192
FACEBOOK INC CL A CL A 30303M102 2,377 8,069 SH   SOLE   8,040 0 29
FIRST INTST BANCSYSTEM INC COM CL A COM CL A 32055Y201 238 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 6,684 202,979 SH   SOLE   202,979 0 0
FS KKR CAP CORP COM COM 302635206 860 43,371 SH   SOLE   43,371 0 0
FS KKR CAP CORP II COM COM 35952V303 2,506 128,300 SH   SOLE   128,299 0 0
GENUINE PARTS CO COM COM 372460105 2,606 22,545 SH   SOLE   22,429 0 116
INTEL CORP COM COM 458140100 2,108 32,941 SH   SOLE   32,794 0 146
INTERNATIONAL PAPER CO COM COM 460146103 2,707 50,073 SH   SOLE   49,811 0 262
INVESCO LTD SHS SHS G491BT108 7,285 288,861 SH   SOLE   288,861 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103 19,956 62,534 SH   SOLE   62,356 0 178
IQVIA HLDGS INC COM COM 46266C105 2,426 12,562 SH   SOLE   12,516 0 46
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 242 609 SH   SOLE   609 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF CORE TOTAL USD 46434V613 4,960 94,037 SH   SOLE   93,794 0 243
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 9,680 111,030 SH   SOLE   111,030 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 9,450 72,664 SH   SOLE   72,664 0 0
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 13,401 60,656 SH   SOLE   60,548 0 108
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 210 3,227 SH   SOLE   3,227 0 0
ISHARES S&P MID-CAP 400 VALUE ETF S&P MC 400VL ETF 464287705 14,065 137,988 SH   SOLE   137,743 0 245
ISHARES S&P SMALL-CAP 600 GROWTH ETF S&P SML 600 GWT 464287887 13,397 104,476 SH   SOLE   104,292 0 184
ISHARES S&P SMALL-CAP 600 VALUE ETF SP SMCP600VL ETF 464287879 14,277 141,724 SH   SOLE   141,465 0 259
JOHNSON & JOHNSON COM COM 478160104 2,097 12,761 SH   SOLE   12,703 0 58
JPMORGAN CHASE & CO COM COM 46625H100 5,566 36,563 SH   SOLE   36,398 0 164
KIMBERLY-CLARK CORP COM COM 494368103 1,956 14,069 SH   SOLE   14,006 0 63
KROGER CO COM COM 501044101 2,059 57,223 SH   SOLE   56,963 0 260
L BRANDS INC COM COM 501797104 7,543 121,935 SH   SOLE   121,935 0 0
LOWES COS INC COM COM 548661107 2,687 14,127 SH   SOLE   14,074 0 53
MADISON COVERED CALL & EQUITY COM COM 557437100 148 19,621 SH   SOLE   19,621 0 0
MASTERCARD INCORPORATED CL A CL A 57636Q104 2,283 6,413 SH   SOLE   6,391 0 22
MCDONALDS CORP COM COM 580135101 2,205 9,837 SH   SOLE   9,788 0 48
MERCK & CO. INC COM COM 58933Y105 1,905 24,705 SH   SOLE   24,592 0 113
METLIFE INC COM COM 59156R108 2,961 48,703 SH   SOLE   48,446 0 256
MICROSOFT CORP COM COM 594918104 4,654 19,742 SH   SOLE   19,657 0 84
OREILLY AUTOMOTIVE INC COM COM 67103H107 2,266 4,467 SH   SOLE   4,451 0 16
PHILLIPS 66 COM COM 718546104 2,123 26,042 SH   SOLE   25,928 0 114
PPL CORP COM COM 69351T106 2,111 73,206 SH   SOLE   72,858 0 348
PROCTER AND GAMBLE CO COM COM 742718109 2,177 16,075 SH   SOLE   15,999 0 76
QUALCOMM INC COM COM 747525103 2,604 19,637 SH   SOLE   19,528 0 109
RAYTHEON TECHNOLOGIES CORP COM COM 75513E101 4,619 59,777 SH   SOLE   59,521 0 255
REAL ESTATE SELECT SECTOR SPDR FUND RL EST SEL SEC 81369Y860 997 25,251 SH   SOLE   25,011 0 240
ROYAL GOLD INC COM COM 780287108 231 2,143 SH   SOLE   2,143 0 0
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706 751 23,639 SH   SOLE   23,411 0 228
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 30,555 812,188 SH   SOLE   805,920 0 6,268
SCHWAB SHORT-TERM U.S. TREASURY ETF SHT TM US TRES 808524862 1,410 27,488 SH   SOLE   27,221 0 267
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102 25,554 264,229 SH   SOLE   262,306 0 1,922
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201 38,262 398,443 SH   SOLE   395,253 0 3,190
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508 26,662 358,219 SH   SOLE   355,663 0 2,555
SCHWAB U.S. SMALL-CAP ETF US SML CAP ETF 808524607 1,270 12,745 SH   SOLE   12,668 0 77
SCHWAB U.S. TIPS ETF US TIPS ETF 808524870 1,078 17,626 SH   SOLE   17,460 0 166
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 26,368 361,598 SH   SOLE   358,897 0 2,701
SOUTHERN CO COM COM 842587107 2,131 34,275 SH   SOLE   34,115 0 160
SPDR GOLD SHARES GOLD SHS 78463V107 226 1,413 SH   SOLE   1,413 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 466 1,176 SH   SOLE   1,176 0 0
SPDR S&P MIDCAP 400 ETF UTSER1 S&PDCRP 78467Y107 13,603 28,575 SH   SOLE   28,525 0 50
STARBUCKS CORP COM COM 855244109 2,490 22,787 SH   SOLE   22,671 0 115
SVB FINANCIAL GROUP COM COM 78486Q101 6,557 13,283 SH   SOLE   13,283 0 0
TAPESTRY INC COM COM 876030107 6,752 163,854 SH   SOLE   163,854 0 0
TARGET CORP COM COM 87612E106 2,735 13,809 SH   SOLE   13,736 0 73
TESLA INC COM COM 88160R101 485 726 SH   SOLE   726 0 0
TEXAS INSTRS INC COM COM 882508104 2,737 14,482 SH   SOLE   14,405 0 76
UBER TECHNOLOGIES INC COM COM 90353T100 2,137 39,198 SH   SOLE   39,055 0 143
UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704 1,985 35,546 SH   SOLE   35,377 0 168
UNITED PARCEL SERVICE INC CL B CL B 911312106 2,859 16,817 SH   SOLE   16,723 0 93
UNITEDHEALTH GROUP INC COM COM 91324P102 2,304 6,192 SH   SOLE   6,170 0 22
VAIL RESORTS INC COM COM 91879Q109 287 985 SH   SOLE   985 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND DIV APP ETF 921908844 346 2,350 SH   SOLE   2,350 0 0
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 23,268 262,230 SH   SOLE   260,558 0 1,671
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND SHRT TRM CORP BD 92206C409 2,033 24,647 SH   SOLE   24,647 0 0
VERIZON COMMUNICATIONS INC COM COM 92343V104 345 5,935 SH   SOLE   5,935 0 0
VIACOMCBS INC CL B CL B 92556H206 4,725 104,758 SH   SOLE   104,758 0 0
WALGREENS BOOTS ALLIANCE INC COM COM 931427108 2,441 44,465 SH   SOLE   44,253 0 211
WALMART INC COM COM 931142103 2,021 14,879 SH   SOLE   14,808 0 71
WASTE MGMT INC DEL COM COM 94106L109 2,350 18,213 SH   SOLE   18,126 0 87