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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 1,622 10,283 SH   SOLE   0 0 10,283
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 350 10,820 SH   SOLE   0 0 10,820
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 603 11,804 SH   SOLE   0 0 11,804
ISHARES TR SP SMCP600VL ETF 464287879 1,788 13,563 SH   SOLE   0 0 13,563
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 689 15,106 SH   SOLE   0 0 15,106
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 817 15,179 SH   SOLE   0 0 15,179
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 548 16,592 SH   SOLE   0 0 16,592
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,041 17,771 SH   SOLE   0 0 17,771
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 671 20,438 SH   SOLE   0 0 20,438
ISHARES TR CORE MSCI EAFE 46432F842 1,206 21,935 SH   SOLE   0 0 21,935
ISHARES TR CORE S&P SCP ETF 464287804 1,771 25,544 SH   SOLE   0 0 25,544
ISHARES TR CORE S&P US VLU 464287663 1,281 26,098 SH   SOLE   0 0 26,098
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,465 28,964 SH   SOLE   0 0 28,964
ISHARES TR EAFE SML CP ETF 464288273 1,719 33,164 SH   SOLE   0 0 33,164
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 1,201 39,851 SH   SOLE   0 0 39,851
ISHARES TR SHRT NAT MUN ETF 464288158 4,348 41,249 SH   SOLE   0 0 41,249
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,511 41,387 SH   SOLE   0 0 41,387
ISHARES INC CORE MSCI EMKT 46434G103 2,274 48,225 SH   SOLE   0 0 48,225
SPDR SER TR PORTFOLIO SH TSR 78468R101 1,530 51,727 SH   SOLE   0 0 51,727
SPDR SER TR NUVEEN BLMBRG SR 78468R739 2,777 57,784 SH   SOLE   0 0 57,784
XCEL ENERGY INC COM 98389B100 3,033 61,563 SH   SOLE   0 0 61,563
ISHARES TR CORE S&P TTL STK 464287150 3,616 63,698 SH   SOLE   0 0 63,698
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,044 72,092 SH   SOLE   0 0 72,092
WISDOMTREE TR INTL SMCAP DIV 97717W760 5,333 88,406 SH   SOLE   0 0 88,406
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,358 89,403 SH   SOLE   0 0 89,403
VANGUARD INDEX FDS SMALL CP ETF 922908751 11,833 89,647 SH   SOLE   0 0 89,647
3M CO COM 88579Y101 17,152 90,019 SH   SOLE   0 0 90,019
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 4,704 94,251 SH   SOLE   0 0 94,251
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 9,128 96,407 SH   SOLE   0 0 96,407
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,997 105,725 SH   SOLE   0 0 105,725
HEARTLAND FINL USA INC COM 42234Q102 4,707 107,109 SH   SOLE   0 0 107,109
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,982 121,357 SH   SOLE   0 0 121,357
VANGUARD INDEX FDS SM CP VAL ETF 922908611 14,009 122,821 SH   SOLE   0 0 122,821
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 3,972 136,479 SH   SOLE   0 0 136,479
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 4,712 186,853 SH   SOLE   0 0 186,853
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,525 192,328 SH   SOLE   0 0 192,328
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,878 212,353 SH   SOLE   0 0 212,353
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 18,384 221,872 SH   SOLE   0 0 221,872
ISHARES TR EAFE VALUE ETF 464288877 14,472 320,040 SH   SOLE   0 0 320,040
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,663 332,365 SH   SOLE   0 0 332,365
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 25,991 333,472 SH   SOLE   0 0 333,472
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 27,584 351,069 SH   SOLE   0 0 351,069
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 21,229 391,314 SH   SOLE   0 0 391,314
VANGUARD INDEX FDS TOTAL STK MKT 922908769 50,798 398,007 SH   SOLE   0 0 398,007
VANGUARD INDEX FDS VALUE ETF 922908744 41,862 427,384 SH   SOLE   0 0 427,384