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
3M CO COM 88579Y101 4,682 36,180 SH   SOLE   36,180 0 0
Abrdn Bloomberg All Commodity Strategy K-1 Free ETF COM ETF 003261104 884 32,561 SH   SOLE   32,561 0 0
AMAZON COM INC COM 023135106 266 2,501 SH   SOLE   2,501 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 1,091 15,959 SH   SOLE   15,959 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 821 12,618 SH   SOLE   12,618 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 521 10,232 SH   SOLE   10,232 0 0
APPLE INC COM 037833100 713 5,214 SH   SOLE   5,214 0 0
ARK ETF TR INNOVATION ETF 00214Q104 221 5,533 SH   SOLE   5,533 0 0
Avantis US Large Cap Value ETF GROWTH ETF 025072349 775 16,801 SH   SOLE   16,801 0 0
BERKSHIRE HATHAWAY CLASS B COM 084670702 544 1,991 SH   SOLE   1,991 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 780 29,496 SH   SOLE   29,496 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 734 31,503 SH   SOLE   31,503 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 729 15,196 SH   SOLE   15,196 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 500 20,732 SH   SOLE   20,732 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 277 11,953 SH   SOLE   11,953 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 229 10,694 SH   SOLE   10,694 0 0
ECOLAB INC COM 278865100 1,016 6,604 SH   SOLE   6,604 0 0
ENERGY SELECT SECTOR SPDR ETF IV Industrial ETF 81369Y506 2,793 39,055 SH   SOLE   39,055 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 3,940 88,283 SH   SOLE   88,283 0 0
FIRST TR EXCHANGE TRADED FD VI FIRST TRUST TCW SECURITIZED TCW SECURITIZED ETF 33740U109 4,280 188,280 SH   SOLE   188,280 0 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 213 4,408 SH   SOLE   4,408 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 6,769 145,975 SH   SOLE   145,975 0 0
FIRST TR LRGE CP CORE ALPHA COM SHS 33734K109 5,771 75,863 SH   SOLE   75,863 0 0
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 1,074 16,893 SH   SOLE   16,893 0 0
INVESCO EXCHANGE TRADED FD T S&P MDCP VLU MNT 46137V456 979 24,889 SH   SOLE   24,889 0 0
Invesco International BuyBack Achievers ETF GROWTH ETF 46138E644 205 6,300 SH   SOLE   6,300 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 1,039 57,592 SH   SOLE   57,592 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103 8,350 29,792 SH   SOLE   29,792 0 0
INVESCO RAFI STRTGC US SML CMP ETF SMALL CAP ETF 46138J734 436 13,642 SH   SOLE   13,642 0 0
iShares 0-5 Year TIPS Bond ETF BOND ETF 46429B747 3,159 31,144 SH   SOLE   31,144 0 0
iShares Bloomberg Roll Select Broad Commodity ETF COM ETF 46431W598 1,237 21,241 SH   SOLE   21,241 0 0
iShares Core S&P Mid-Cap ETF GROWTH ETF 464287507 4,820 21,305 SH   SOLE   21,305 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 820 8,682 SH   SOLE   8,682 0 0
ISHARES INTERMEDT TERM CORP BOND ETF INTRM TR CRP ETF 464288638 587 11,500 SH   SOLE   11,500 0 0
ISHARES TR GLOBAL 100 ETF 464287572 4,222 65,889 SH   SOLE   65,889 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,768 10,441 SH   SOLE   10,441 0 0
ISHARES TR U.S. MED DVC ETF 464288810 1,618 32,075 SH   SOLE   32,075 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,383 6,321 SH   SOLE   6,321 0 0
ISHARES TR RUS MID CAP ETF 464287499 721 11,157 SH   SOLE   11,157 0 0
ISHARES TR CORE S&P500 ETF 464287200 459 1,211 SH   SOLE   1,211 0 0
ISHARES TR CONSER ALLOC ETF 464289883 394 11,394 SH   SOLE   11,394 0 0
ISHARES TR NATIONAL MUN ETF 464288414 362 3,399 SH   SOLE   3,399 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 341 2,352 SH   SOLE   2,352 0 0
ISHARES TR CORE S&P USVLU 464287663 6,530 97,630 SH   SOLE   97,630 0 0
ISHARES TR MSCI ACWI ETF 464288257 5,248 62,560 SH   SOLE   62,560 0 0
ISHARES TR INTL QLTY FACTOR 46434V456 2,969 95,998 SH   SOLE   95,998 0 0
ISHARES TR CORE DIV GRWTH 46434V621 1,174 24,634 SH   SOLE   24,634 0 0
ISHARES TR USA QUALITY FCTR 46432F339 1,050 9,396 SH   SOLE   9,396 0 0
ISHARES TR RUSEL 2500 ETF 46435G268 856 16,589 SH   SOLE   16,589 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 512 3,756 SH   SOLE   3,756 0 0
ISHARES TR MSCI USA SMCP MN 46435G433 468 13,736 SH   SOLE   13,736 0 0
ISHARES TR BROAD USD HIGH 46435U853 336 9,706 SH   SOLE   9,706 0 0
ISHARES TRUST GLOBAL REIT ETF GLOBAL REIT ETF 464287739 2,629 108,134 SH   SOLE   108,134 0 0
ISHARES US AEROSPACE DEFENSE ETF US AER DEF ETF 464288760 1,612 16,256 SH   SOLE   16,256 0 0
ISHARES US FINANCIAL SER ETF FINANCIAL SER ETF 464287770 554 3,739 SH   SOLE   3,739 0 0
J P MORGAN EXCHANGE-TRADED F SHORT DURA CORE 46641Q274 543 11,685 SH   SOLE   11,685 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 5,289 105,599 SH   SOLE   105,599 0 0
MEDTRONIC PLC F SHS G5960L103 659 7,348 SH   SOLE   7,348 0 0
MICROSOFT CORP COM 594918104 602 2,342 SH   SOLE   2,342 0 0
PACER US CASH COWS 100 ETF GROWTH ETF 69374H881 1,456 33,802 SH   SOLE   33,802 0 0
PACER US SMALL CAP CASH COWS 100 ETF SMALL CAP ETF 69374H857 409 12,152 SH   SOLE   12,152 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 6,405 64,624 SH   SOLE   64,624 0 0
POLYMET MNG CORP COM 731916409 98 35,810 SH   SOLE   35,810 0 0
PROCTER AND GAMBLE CO COM 742718109 447 3,112 SH   SOLE   3,112 0 0
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 466 9,478 SH   SOLE   9,478 0 0
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 401 8,374 SH   SOLE   8,374 0 0
SCHWAB US BROAD MARKET ETF US BRD MKT ETF 808524102 493 11,156 SH   SOLE   11,156 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 5,239 73,133 SH   SOLE   73,133 0 0
SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300 611 10,541 SH   SOLE   10,541 0 0
SELECT SECTOR HEALTH CARE SPD ETF IV Health Care 81369Y209 393 3,063 SH   SOLE   3,063 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,419 20,231 SH   SOLE   20,231 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,130 8,890 SH   SOLE   8,890 0 0
SPDR Bloomberg 1-10 Year TIPS ETF BOND ETF 922020805 885 45,466 SH   SOLE   45,466 0 0
SPDR GOLD MINI SHARES TRUST SPDR GLD MINIS 98149E303 396 11,037 SH   SOLE   11,037 0 0
SPDR GOLD TR GOLD SHS 78463V107 3,568 21,180 SH   SOLE   21,180 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 945 32,657 SH   SOLE   32,657 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 655 14,848 SH   SOLE   14,848 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 6,154 213,386 SH   SOLE   213,386 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,388 97,434 SH   SOLE   97,434 0 0
SPDR Portfolio Intermediate Term Treasury ETF BOND ETF 78464A284 747 25,308 SH   SOLE   25,308 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 1,948 5,162 SH   SOLE   5,162 0 0
SPDR S&P DIVIDEND ETF IV Value ETF 78464A763 4,516 38,045 SH   SOLE   38,045 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 12,436 280,471 SH   SOLE   280,471 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 7,205 273,453 SH   SOLE   273,453 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 1,423 39,545 SH   SOLE   39,545 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 1,414 35,638 SH   SOLE   35,638 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 1,263 38,205 SH   SOLE   38,205 0 0
SPDR SER TR BLOMBRG BRC EMRG 78464A391 754 36,877 SH   SOLE   36,877 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606 500 22,287 SH   SOLE   22,287 0 0
SPDR SER TR S&P KENSHO CLEAN 78468R655 444 5,687 SH   SOLE   5,687 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 309 7,740 SH   SOLE   7,740 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 4,532 108,831 SH   SOLE   108,831 0 0
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408 231 6,062 SH   SOLE   6,062 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 459 8,526 SH   SOLE   8,526 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 549 7,296 SH   SOLE   7,296 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,891 22,093 SH   SOLE   22,093 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,128 5,723 SH   SOLE   5,723 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 615 4,691 SH   SOLE   4,691 0 0
VANGUARD INTERMEDIATE TERM BO ETF IV BOND ETF 921937819 240 3,094 SH   SOLE   3,094 0 0
VANGUARD MID CAP ETF IV Growth ETF 922908629 1,000 5,076 SH   SOLE   5,076 0 0
Vanguard Short-Term Bond ETF BOND ETF 921937827 3,167 41,244 SH   SOLE   41,244 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 6,391 35,176 SH   SOLE   35,176 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 848 6,429 SH   SOLE   6,429 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,270 7,774 SH   SOLE   7,774 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 280 5,511 SH   SOLE   5,511 0 0
WALT DISNEY COMPANY COM 254687106 234 2,478 SH   SOLE   2,478 0 0
WISDOMTREE INTRST RT HDG AGRGT ETF INTRST RATE HDGE 97717W380 395 8,665 SH   SOLE   8,665 0 0
XCEL ENERGY INC COM 98389B100 301 4,260 SH   SOLE   4,260 0 0
XTRCKRS MSCI EMRG MRKT HDGD EQY ETF XTRACK MSCI EMRG 233051101 2,495 111,428 SH   SOLE   111,428 0 0