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
APPLE INC COM 037833100 895 6,324 SH   SOLE   6,324 0 0
ISHARES TR MSCI ACWI ETF 464288257 8,074 80,806 SH   SOLE   80,806 0 0
WISDOMTREE INTRST RT HDG AGRGT ETF INTRST RATE HDGE 97717W380 681 14,539 SH   SOLE   14,539 0 0
AMAZON COM INC COM 023135106 532 162 SH   SOLE   162 0 0
XTRCKRS MSCI EMRG MRKT HDGD EQY ETF XTRACK MSCI EMRG 233051101 3,396 124,945 SH   SOLE   124,945 0 0
ISHARES TR MSCI EAFE ETF 464287465 277 3,546 SH   SOLE   3,546 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 12,362 230,852 SH   SOLE   230,852 0 0
SPDR GOLD TR GOLD SHS 78463V107 3,115 18,968 SH   SOLE   18,968 0 0
SPDR GOLD MINI SHARES TRUST SPDR GLD MINIS 98149E204 227 13,025 SH   SOLE   13,025 0 0
ISHARES INTERMEDT TERM CORP BOND ETF INTRM TR CRP ETF 464288638 7,569 126,025 SH   SOLE   126,025 0 0
ISHARES TR U.S. MED DVC ETF 464288810 1,303 20,752 SH   SOLE   20,752 0 0
ISHARES US AEROSPACE DEFENSE ETF US AER DEF ETF 464288760 1,220 11,703 SH   SOLE   11,703 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,427 5,207 SH   SOLE   5,207 0 0
ETF SER SOLUTIONS US GLB JETS 26922A842 1,820 77,037 SH   SOLE   77,037 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 3,266 64,387 SH   SOLE   64,387 0 0
MEDTRONIC PLC F SHS G5960L103 946 7,548 SH   SOLE   7,548 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 2,272 14,912 SH   SOLE   14,912 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 1,275 5,429 SH   SOLE   5,429 0 0
MICROSOFT CORP COM 594918104 1,408 4,994 SH   SOLE   4,994 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103 9,055 25,296 SH   SOLE   25,296 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 1,851 24,929 SH   SOLE   24,929 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 4,338 67,754 SH   SOLE   67,754 0 0
AT&T INC COM 00206R102 349 12,912 SH   SOLE   12,912 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,945 6,944 SH   SOLE   6,944 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,055 5,617 SH   SOLE   5,617 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 614 11,376 SH   SOLE   11,376 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 2,198 14,723 SH   SOLE   14,723 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 213 3,332 SH   SOLE   3,332 0 0
ISHARES TR CONSER ALLOC ETF 464289883 6,708 169,821 SH   SOLE   169,821 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 577 6,753 SH   SOLE   6,753 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 5,550 69,506 SH   SOLE   69,506 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 352 1,288 SH   SOLE   1,288 0 0
WALT DISNEY COMPANY COM 254687106 399 2,359 SH   SOLE   2,359 0 0
ECOLAB INC COM 278865100 1,287 6,169 SH   SOLE   6,169 0 0
ISHARES TR INTL QLTY FACTOR 46434V456 2,722 71,854 SH   SOLE   71,854 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 380 2,428 SH   SOLE   2,428 0 0
ISHARES TR RUS MID CAP ETF 464287499 990 12,659 SH   SOLE   12,659 0 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 265 5,231 SH   SOLE   5,231 0 0
3M COMPANY COM 88579Y101 6,202 35,355 SH   SOLE   35,355 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 7,893 44,946 SH   SOLE   44,946 0 0
ISHARES TR USA QUALITY FCTR 46432F339 1,316 9,991 SH   SOLE   9,991 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 2,556 5,955 SH   SOLE   5,955 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 334 8,543 SH   SOLE   8,543 0 0
XCEL ENERGY INC COM 98389B100 268 4,289 SH   SOLE   4,289 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 4,607 85,811 SH   SOLE   85,811 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 732 9,683 SH   SOLE   9,683 0 0
SPDR SER TR S&P KENSHO CLEAN 78468R655 238 2,534 SH   SOLE   2,534 0 0
SPDR SER TR BLOMBRG BRC EMRG 78464A391 593 23,440 SH   SOLE   23,440 0 0
FACEBOOK INC CL A 30303M102 319 940 SH   SOLE   940 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,018 26,451 SH   SOLE   26,451 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 673 13,177 SH   SOLE   13,177 0 0
SPDR SER TR BLOOMBERG SRT TR 78468R408 746 27,230 SH   SOLE   27,230 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 7,309 244,856 SH   SOLE   244,856 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 6,606 182,430 SH   SOLE   182,430 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,012 70,817 SH   SOLE   70,817 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,092 35,119 SH   SOLE   35,119 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 13,681 271,126 SH   SOLE   271,129 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 1,451 34,053 SH   SOLE   34,053 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 845 20,454 SH   SOLE   20,454 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 212 1,184 SH   SOLE   1,184 0 0
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 1,176 15,481 SH   SOLE   15,481 0 0
ISHARES TR CORE DIV GRWTH 46434V621 1,121 22,322 SH   SOLE   22,322 0 0
ISHARES TR RUSEL 2500 ETF 46435G268 1,128 17,565 SH   SOLE   17,565 0 0
ISHARES TR MSCI USA SMCP MN 46435G433 797 21,506 SH   SOLE   21,506 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,379 15,453 SH   SOLE   15,453 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 326 8,742 SH   SOLE   8,742 0 0
CLEVELAND-CLIFFS INC NEW COM 185899101 282 14,250 SH   SOLE   14,250 0 0
FIRST TR LRGE CP CORE ALPHA COM SHS 33734K109 7,844 91,958 SH   SOLE   91,958 0 0
ALPHABET INC CAP STK CL C 02079K107 433 162 SH   SOLE   162 0 0
ISHARES TR CORE LT USDB ETF 464289479 207 2,887 SH   SOLE   2,887 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,544 11,628 SH   SOLE   11,628 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 6,824 66,948 SH   SOLE   66,948 0 0
MATCH GROUP INC NEW COM 57667L107 390 2,482 SH   SOLE   2,482 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,309 11,265 SH   SOLE   11,265 0 0
PROCTER AND GAMBLE CO COM 742718109 531 3,802 SH   SOLE   3,802 0 0
FLEXSHARES TR QLT DIV DEF IDX 33939L845 246 4,627 SH   SOLE   4,627 0 0
VANECK VECTORS ETF TR SHRT HGH YLD MUN 92189F387 1,655 65,941 SH   SOLE   65,941 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606 823 30,736 SH   SOLE   30,736 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 1,430 30,972 SH   SOLE   30,972 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 550 17,596 SH   SOLE   17,596 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 820 17,824 SH   SOLE   17,824 0 0
ISHARES TR TIPS BD ETF 464287176 5,893 46,148 SH   SOLE   46,148 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 231 2,800 SH   SOLE   2,800 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 7,967 43,690 SH   SOLE   43,690 0 0
J P MORGAN EXCHANGE-TRADED F SHORT DURA CORE 46641Q274 1,070 21,329 SH   SOLE   21,329 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 779 25,853 SH   SOLE   25,853 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 1,165 11,343 SH   SOLE   11,343 0 0
ISHARES TR EAFE SML CP ETF 464288273 247 3,323 SH   SOLE   3,323 0 0
ISHARES TR GLOBAL 100 ETF 464287572 6,075 85,400 SH   SOLE   85,400 0 0
INVESCO EXCHANGE TRADED FD T S&P MDCP VLU MNT 46137V456 1,109 24,819 SH   SOLE   24,819 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 403 6,458 SH   SOLE   6,458 0 0
ISHARES TR BROAD USD HIGH 46435U853 403 9,706 SH   SOLE   9,706 0 0
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408 259 5,856 SH   SOLE   5,856 0 0
ISHARES TR CORE S&P500 ETF 464287200 627 1,454 SH   SOLE   1,454 0 0
ARK ETF TR INNOVATION ETF 00214Q104 257 2,325 SH   SOLE   2,325 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 857 14,910 SH   SOLE   14,910 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 754 28,391 SH   SOLE   28,391 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 682 9,258 SH   SOLE   9,258 0 0
SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300 1,143 7,715 SH   SOLE   7,715 0 0
SCHWAB US BROAD MARKET ETF US BRD MKT ETF 808524102 903 8,696 SH   SOLE   8,696 0 0
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 693 13,541 SH   SOLE   13,541 0 0
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 639 11,777 SH   SOLE   11,777 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 228 8,804 SH   SOLE   8,804 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 223 2,155 SH   SOLE   2,155 0 0
ORANGE SPONSORED ADR 684060106 214 19,741 SH   SOLE   19,741 0 0
CVS HEALTH CORP COM 126650100 209 2,467 SH   SOLE   2,467 0 0
SOUTHERN CO COM 842587107 208 3,351 SH   SOLE   3,351 0 0
ALLETE INC COM 018522300 205 3,450 SH   SOLE   3,450 0 0
VANGUARD REAL ESTATE ETF IV REAL ESTATE ETF 922908553 200 1,967 SH   SOLE   1,967 0 0
POLYMET MNG CORP COM 731916409 106 34,810 SH   SOLE   34,810 0 0
TRANSOCEAN LTD REG SHS H8817H100 38 10,000 SH   SOLE   10,000 0 0
ISHARES TR CORE S&P USVLU 464287663 8,304 117,150 SH   SOLE   117,150 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 453 15,681 SH   SOLE   15,681 0 0