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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 379 10,406 SH   SOLE   0 0 10,406
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 421 11,777 SH   SOLE   0 0 11,777
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 662 12,470 SH   SOLE   0 0 12,470
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,121 12,473 SH   SOLE   0 0 12,473
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 447 12,798 SH   SOLE   0 0 12,798
ISHARES TR SP SMCP600VL ETF 464287879 2,042 13,742 SH   SOLE   0 0 13,742
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 772 15,135 SH   SOLE   0 0 15,135
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 956 15,759 SH   SOLE   0 0 15,759
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,394 17,771 SH   SOLE   0 0 17,771
ISHARES TR CORE MSCI EAFE 46432F842 1,224 19,928 SH   SOLE   0 0 19,928
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,238 22,534 SH   SOLE   0 0 22,534
ISHARES TR CORE S&P SCP ETF 464287804 1,994 25,471 SH   SOLE   0 0 25,471
ISHARES TR CORE S&P US VLU 464287663 1,447 25,551 SH   SOLE   0 0 25,551
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 989 26,231 SH   SOLE   0 0 26,231
ISHARES TR EAFE SML CP ETF 464288273 1,869 32,567 SH   SOLE   0 0 32,567
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 1,008 32,759 SH   SOLE   0 0 32,759
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 1,218 40,605 SH   SOLE   0 0 40,605
ISHARES TR SHRT NAT MUN ETF 464288158 4,418 41,463 SH   SOLE   0 0 41,463
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,967 41,510 SH   SOLE   0 0 41,510
ISHARES INC CORE MSCI EMKT 46434G103 2,466 47,931 SH   SOLE   0 0 47,931
XCEL ENERGY INC COM 98389B100 2,968 49,888 SH   SOLE   0 0 49,888
ISHARES TR CORE S&P TTL STK 464287150 4,020 60,328 SH   SOLE   0 0 60,328
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 3,067 62,674 SH   SOLE   0 0 62,674
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3,586 70,887 SH   SOLE   0 0 70,887
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,559 81,953 SH   SOLE   0 0 81,953
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,380 90,463 SH   SOLE   0 0 90,463
3M CO COM 88579Y101 16,010 92,362 SH   SOLE   0 0 92,362
VANGUARD INDEX FDS SMALL CP ETF 922908751 14,608 93,249 SH   SOLE   0 0 93,249
HEARTLAND FINL USA INC COM 42234Q102 4,894 107,109 SH   SOLE   0 0 107,109
WISDOMTREE TR INTL SMCAP DIV 97717W760 6,970 107,202 SH   SOLE   0 0 107,202
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,537 110,232 SH   SOLE   0 0 110,232
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 11,671 110,874 SH   SOLE   0 0 110,874
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,826 121,595 SH   SOLE   0 0 121,595
VANGUARD INDEX FDS SM CP VAL ETF 922908611 16,788 128,604 SH   SOLE   0 0 128,604
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,356 133,449 SH   SOLE   0 0 133,449
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 5,124 183,931 SH   SOLE   0 0 183,931
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,167 196,932 SH   SOLE   0 0 196,932
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,442 226,381 SH   SOLE   0 0 226,381
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 19,315 292,791 SH   SOLE   0 0 292,791
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 27,359 339,099 SH   SOLE   0 0 339,099
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,097 354,963 SH   SOLE   0 0 354,963
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 29,601 367,571 SH   SOLE   0 0 367,571
ISHARES TR EAFE VALUE ETF 464288877 17,868 371,712 SH   SOLE   0 0 371,712
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 22,561 393,731 SH   SOLE   0 0 393,731
VANGUARD INDEX FDS TOTAL STK MKT 922908769 62,149 414,080 SH   SOLE   0 0 414,080
VANGUARD INDEX FDS VALUE ETF 922908744 49,414 445,495 SH   SOLE   0 0 445,495