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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   3,031 30,287 SH   SOLE   30,287 0 0
Amazon.com, Inc. Com 023135106   406 3,114 SH   SOLE   3,114 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   234 4,345 SH   SOLE   4,345 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   1,095 19,069 SH   SOLE   19,069 0 0
Apple Inc. Com 037833100   818 4,242 SH   SOLE   4,242 0 0
Avantis US Equity ETF US Equity ETF 025072885   874 11,621 SH   SOLE   11,621 0 0
Avantis US Large Cap Value ETF Large Cap Value 025072349   1,067 20,003 SH   SOLE   20,003 0 0
Avantis US Small Cap Value ETF SMALL CAP ETF 025072877   3,926 50,330 SH   SOLE   50,330 0 0
Berkshire Hathaway Class B Com 084670702   237 693 SH   SOLE   693 0 0
CION INVESTMENT CORPORAT ION COM 17259u105   134 12,703 SH   SOLE   12,703 0 0
Cleveland-Cliffs Inc. Com 185899101   201 12,000 SH   SOLE   12,000 0 0
DIMENSIONAL ETF TR INTL CORE ETF INTL CORE EQT MK 25434V203   1,139 41,695 SH   SOLE   41,695 0 0
DIMENSIONAL ETF TR SHORT DURATION FX SHORT DURA CORE 25434V864   413 8,906 SH   SOLE   8,906 0 0
DIMENSIONAL ETF TR U S CORE EQUITY 2 US CORE EQUITY 2 25434V708   4,354 160,181 SH   SOLE   160,181 0 0
DIMENSIONAL ETF TR U S SMALL CAP ETF US SMALL CAP ETF 25434V500   848 15,481 SH   SOLE   15,481 0 0
DIMENSIONAL ETF TR US CORE ETF US CORE EQT MKT 25434V104   1,485 47,905 SH   SOLE   47,905 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,695 72,340 SH   SOLE   72,340 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   838 20,122 SH   SOLE   20,122 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   429 18,255 SH   SOLE   18,255 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   34 40,333 SH   SOLE   40,333 0 0
ECOLAB INC COM 278865100   1,239 6,634 SH   SOLE   6,634 0 0
ENERGY SELECT SECTOR SPDR ETF IV Industrial ETF 81369Y506   883 10,857 SH   SOLE   10,857 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707   497 8,488 SH   SOLE   8,488 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   5,009 110,656 SH   SOLE   110,656 0 0
FIDELITY MSCI FINANCIALS INDX ETF MSCI FINLS IDX 316092501   4,059 85,652 SH   SOLE   85,652 0 0
FIRST TR EX-TD VIII FT CBOE VEST FUN Cboe Vest Fund of Buffer ETF 33740F755   2,508 100,025 SH   SOLE   100,025 0 0
FIRST TRUST LRGE CAP CORE APADEX ETF COM SHS 33734K109   4,987 59,124 SH   SOLE   59,124 0 0
FIRST TRUST TCW OPPORTUNISTIC FI ETF TCW OPPORTUNIS 33740F805   4,045 91,835 SH   SOLE   91,835 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   749 54,998 SH   SOLE   54,998 0 0
INVESCO EXCHANGE-TRADED FD TR II INV Small Cap 600 Revenue 46138G664   1,760 15,340 SH   SOLE   15,340 0 0
INVESCO EXCHANGE-TRADED FD TR INVESC S&P MDCP QUALITY 46137V472   1,717 21,222 SH   SOLE   21,222 0 0
INVESCO QQQ TRUST Nasdaq 100 ETF 46090E103   16,307 44,045 SH   SOLE   44,045 0 0
iShares 0-5 Year TIPS Bond ETF BOND ETF 46429B747   5,582 57,421 SH   SOLE   57,421 0 0
ISHARES CORE CONSERVATIVE ALL ETF IV CONSER ALLOC ETF 464289883   245 6,953 SH   SOLE   6,953 0 0
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621   1,948 37,779 SH   SOLE   37,779 0 0
iShares Core S&P Mid-Cap ETF GROWTH ETF 464287507   4,577 17,456 SH   SOLE   17,456 0 0
ISHARES CORE S&P US VALUE ETF CORE S&P USVLU 464287663   6,459 82,286 SH   SOLE   82,286 0 0
ISHARES CORE US AGGREGATE BOND ETF CORE US AGGBD ET 464287226   1,178 12,027 SH   SOLE   12,027 0 0
ISHARES GLOBAL 100 ETF GLOBAL 100 ETF 464287572   4,440 58,438 SH   SOLE   58,438 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257   4,545 47,265 SH   SOLE   47,265 0 0
ISHARES MSCI USA MOMNTUM FCT ETF USA MOMENTUM FCT 46432F396   393 2,723 SH   SOLE   2,723 0 0
ISHARES MSCI USA QUALITY FACTOR ETF USA QUALITY FCTR 46432F339   1,232 9,132 SH   SOLE   9,132 0 0
ISHARES MSCI USA SMALL-CAP MIN VOL FACTOR ETF MSCI USA SMCP MN 46435G433   215 6,277 SH   SOLE   6,277 0 0
ISHARES RUSSELL 1000 GROWTH ETF IV RUS 1000 GRW ETF 464287614   2,837 10,320 SH   SOLE   10,320 0 0
ISHARES RUSSELL 1000 VALUE ETF IV RUS 1000 VAL ETF 464287598   419 2,653 SH   SOLE   2,653 0 0
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655   2,831 15,085 SH   SOLE   15,085 0 0
ISHARES RUSSELL MID-CAP ETF RUS MID CAP ETF 464287499   909 12,440 SH   SOLE   12,440 0 0
ISHARES TR CORE S&P500 ETF 464287200   405 908 SH   SOLE   908 0 0
ISHARES TR RUSSELL 2500 ETF RUSEL 2500 ETF 46435G268   1,009 17,559 SH   SOLE   17,559 0 0
ISHARES US AEROSPACE DEFENSE ETF IV US AER DEF ETF 464288760   1,636 13,993 SH   SOLE   13,993 0 0
ISHARES US MEDICAL DEVICES ETF IV U.S. MED DVC ETF 464288810   948 17,029 SH   SOLE   17,029 0 0
ISHS MSCI INTL QUALITY FACT ETF INTL QLTY FACTOR 46434V456   5,423 152,356 SH   SOLE   152,356 0 0
J P MORGAN EXCHANGE-TRADED FD TR ACT Active Growth 46654Q609   248 4,452 SH   SOLE   4,452 0 0
J P MORGAN EXCHANGE-TRADED FD TR COR BOND ETF 46641Q670   314 6,751 SH   SOLE   6,751 0 0
JANUS DETROIT STR TR JANUS HENDERSON Floating Rate ETF 47103U845   2,993 60,325 SH   SOLE   60,325 0 0
Johnson & Johnson Com 478160104   204 1,234 SH   SOLE   1,234 0 0
JP MORGAN EXCH-TRADED FD TR SHORT DU SHORT DURA CORE 46641Q274   475 10,372 SH   SOLE   10,372 0 0
JP MORGAN ULTRA SHORT MUN INCOME ETF ULTRA SHT MUNCPL 46641Q654   667 13,173 SH   SOLE   13,173 0 0
JPMORGAN ULTRA SHORT INCOME ETF ULTRA SHRT INC 46641Q837   2,591 51,702 SH   SOLE   51,702 0 0
Lineage Cell Therapeutics, Inc. COM 53566P109   15 10,869 SH   SOLE   10,869 0 0
MICROSOFT CORP COM 594918104   809 2,385 SH   SOLE   2,385 0 0
NUVEEN SHORT-TERM REIT ETF BOND ETF 67092P706   317 10,294 SH   SOLE   10,294 0 0
PACER US CASH COWS 100 ETF GROWTH ETF 69374H881   2,206 45,890 SH   SOLE   45,890 0 0
PGIM Ultra Short Bond ETF BOND ETF 69344A107   330 6,706 SH   SOLE   6,706 0 0
POLYMET MNG CORP COM 731916409   62 30,810 SH   SOLE   30,810 0 0
Procter & Gamble Co Com 742718109   408 2,675 SH   SOLE   2,675 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797   6,953 95,350 SH   SOLE   95,350 0 0
SELECT SECTOR HEALTH CARE SPD ETF IV Health Care 81369Y209   966 7,340 SH   SOLE   7,340 0 0
SELECT SECTOR UTI SELECT SPDR ETF SBI INT-UTILS 81369Y886   1,215 18,424 SH   SOLE   18,424 0 0
SPDR AGGREGATE BOND ETF IV PORTFOLIO AGRGTE 78464A649   7,700 304,960 SH   SOLE   304,960 0 0
SPDR BLACKSTONE SENIOR LOAN ETF IV BLACKSTONE SENR 78467V608   3,221 77,351 SH   SOLE   77,351 0 0
SPDR BLMBRG BRCLY EMG MKT LCL ETF IV BLOMBRG BRC EMRG 78464A391   841 39,805 SH   SOLE   39,805 0 0
SPDR Bloomberg 1-10 Year TIPS TIPS ETF 78468R861   856 46,656 SH   SOLE   46,656 0 0
SPDR DOW JONE GLOBAL REAL EST ETF IV DJ GLB RL ES ETF 78463X749   1,053 25,358 SH   SOLE   25,358 0 0
SPDR GOLD SHARES ETF GOLD SHS 78463V107   1,661 9,309 SH   SOLE   9,309 0 0
SPDR INDEX SHARES EMERG MARKT ETF IV PORTFOLIO EMG MK 78463X509   3,256 93,885 SH   SOLE   93,885 0 0
SPDR LONG TERM TREASURY ETF IV PORTFOLIO LN TSR 78464A664   1,146 38,602 SH   SOLE   38,602 0 0
SPDR PORTFOLIO DVLPD WRLD EX-US ETF PORTFOLIO DEVLPD 78463X889   6,367 195,150 SH   SOLE   195,150 0 0
SPDR PORTFOLIO HIGH YIELD BND ETF IV PORTFLI HIGH YLD 78468R606   690 30,433 SH   SOLE   30,433 0 0
SPDR PORTFOLIO S&P 400 MID CP ETF IV PORTFOLIO S&P400 78464A847   1,497 32,496 SH   SOLE   32,496 0 0
SPDR PORTFOLIO S&P 500 ETF IV PORTFOLIO S&P500 78464A854   13,606 260,632 SH   SOLE   260,632 0 0
SPDR PORTFOLIO S&P 500 HIGH DIVID ET PRTFLO S&P500 HI 78468R788   312 8,409 SH   SOLE   8,409 0 0
SPDR PORTFOLIO S&P 600 SML CP ETF IV PORTFOLIO S&P600 78468R853   1,469 37,579 SH   SOLE   37,579 0 0
SPDR S&P 500 ETF TR UNIT 78462F103   2,741 6,183 SH   SOLE   6,183 0 0
SPDR S&P DIVIDEND ETF IV Value ETF 78464A763   4,679 38,008 SH   SOLE   38,008 0 0
SPDR S&P INTERNATIONAL SMALL ETF IV S&P INTL SMLCP 78463X871   1,177 38,478 SH   SOLE   38,478 0 0
SPDR S&P KENSHO CLEAN POWER ETF IV S&P KENSHO CLEAN 78468R655   652 7,685 SH   SOLE   7,685 0 0
SPDR SSGA U S SECTOR ROTATION ETF SPDR SSGA US SCT 78470P408   268 6,172 SH   SOLE   6,172 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF IV TECHNOLOGY 81369Y803   3,822 22,028 SH   SOLE   22,028 0 0
VANGUARD EXTENDED MARKET ETF IV EXTEND MKT ETF 922908652   1,019 6,820 SH   SOLE   6,820 0 0
VANGUARD INDUSTRIALS ETF IV INDUSTRIAL ETF 92204A603   1,392 6,769 SH   SOLE   6,769 0 0
VANGUARD MEGA CAP ETF IV MEGA CAP INDEX 921910873   1,386 8,847 SH   SOLE   8,847 0 0
VANGUARD MEGA CAP GROWTH ETF IV MEGA GRWTH IND 921910816   6,651 28,276 SH   SOLE   28,276 0 0
Vanguard Russell 1000 Growth Index Growth ETF 92206C680   745 10,529 SH   SOLE   10,529 0 0
VANGUARD SMALL CAP ETF IV SMALL CP ETF 922908751   1,674 8,404 SH   SOLE   8,404 0 0
VANGUARD SMALL CAP GROWTH ETF IV SML CP GRW ETF 922908595   1,489 6,484 SH   SOLE   6,484 0 0
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835   526 7,236 SH   SOLE   7,236 0 0
Walmart Inc Com 931142103   302 1,907 SH   SOLE   1,907 0 0
WALT DISNEY CO COM 254687106   201 2,238 SH   SOLE   2,238 0 0
WISDOMTREE FLOATING RATE TREASURY FU BOND ETF 97717Y527   538 10,692 SH   SOLE   10,692 0 0
WISDOMTREE TRUST GOLD SHS 97717Y683   562 32,791 SH   SOLE   32,791 0 0
XCEL ENERGY INC MINN COM 98389B100   248 3,984 SH   SOLE   3,984 0 0
XTRCKRS MSCI EMRG MRKT HDGD EQY ETF XTRACK MSCI EMRG 233051101   2,209 97,282 SH   SOLE   97,282 0 0
YUM BRANDS INC com 988498101   202 1,459 SH   SOLE   1,459 0 0