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 2,352 16,620 SH   SOLE NONE 0 0 16,620
ABBVIE INC COM 00287Y109 448 4,154 SH   SOLE NONE 0 0 4,154
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,245 3,892 SH   SOLE NONE 0 0 3,892
AUTOMATIC DATA PROCESSING IN COM 053015103 913 4,569 SH   SOLE NONE 0 0 4,569
AMAZON COM INC COM 023135106 6,610 2,012 SH   SOLE NONE 0 0 2,012
ASML HOLDING N V N Y REGISTRY SHS N07059210 200 269 SH   SOLE NONE 0 0 269
BERKSHIRE HATHAWAY INC DEL CL A 084670108 823 2 SH   SOLE NONE 0 0 2
CDW CORP COM 12514G108 263 1,444 SH   SOLE NONE 0 0 1,444
CIGNA CORP NEW COM 125523100 41,116 205,417 SH   SOLE NONE 0 0 205,417
CUMMINS INC COM 231021106 355 1,579 SH   SOLE NONE 0 0 1,579
SPDR SER TR S&P KENSHO CLEAN 78468R655 1,182 12,576 SH   SOLE NONE 0 0 12,576
DOLLAR GEN CORP NEW COM 256677105 677 3,189 SH   SOLE NONE 0 0 3,189
ISHARES TR CORE DIV GRWTH 46434V621 42,059 837,153 SH   SOLE NONE 0 0 837,153
WISDOMTREE TR US LARGECAP DIVD 97717W307 215 1,800 SH   SOLE NONE 0 0 1,800
DUKE ENERGY CORP NEW COM NEW 26441C204 2,054 21,049 SH   SOLE NONE 0 0 21,049
LAUDER ESTEE COS INC CL A 518439104 271 905 SH   SOLE NONE 0 0 905
FASTENAL CO COM 311900104 310 6,000 SH   SOLE NONE 0 0 6,000
FACTSET RESH SYS INC COM 303075105 242 612 SH   SOLE NONE 0 0 612
FEDEX CORP COM 31428X106 496 2,263 SH   SOLE NONE 0 0 2,263
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 7,540 233,955 SH   SOLE NONE 0 0 233,955
FS KKR CAP CORP COM 302635206 2,105 95,503 SH   SOLE NONE 0 0 95,503
ALPHABET INC CAP STK CL A 02079K305 2,104 787 SH   SOLE NONE 0 0 787
HOME DEPOT INC COM 437076102 1,251 3,812 SH   SOLE NONE 0 0 3,812
ISHARES TR BLACKROCK ULTRA 46434V878 274 5,416 SH   SOLE NONE 0 0 5,416
ISHARES TR CORE MSCI EAFE 46432F842 4,571 61,562 SH   SOLE NONE 0 0 61,562
ISHARES TR ISHS 1-5YR INVS 464288646 10,829 198,180 SH   SOLE NONE 0 0 198,180
ISHARES TR CORE S&P US GWT 464287671 1,203 11,747 SH   SOLE NONE 0 0 11,747
ISHARES TR CORE S&P500 ETF 464287200 3,525 8,181 SH   SOLE NONE 0 0 8,181
JOHNSON &JOHNSON COM 478160104 672 4,163 SH   SOLE NONE 0 0 4,163
JPMORGAN CHASE &CO COM 46625H100 256 1,564 SH   SOLE NONE 0 0 1,564
KIMBERLY-CLARK CORP COM 494368103 398 3,006 SH   SOLE NONE 0 0 3,006
COCA COLA CO COM 191216100 345 6,572 SH   SOLE NONE 0 0 6,572
LOWES COS INC COM 548661107 387 1,906 SH   SOLE NONE 0 0 1,906
MASTERCARD INCORPORATED CL A 57636Q104 328 944 SH   SOLE NONE 0 0 944
ISHARES TR MBS ETF 464288588 10,271 94,974 SH   SOLE NONE 0 0 94,974
MEDTRONIC PLC SHS G5960L103 294 2,347 SH   SOLE NONE 0 0 2,347
3M CO COM 88579Y101 439 2,500 SH   SOLE NONE 0 0 2,500
MICROSOFT CORP COM 594918104 402 1,427 SH   SOLE NONE 0 0 1,427
NIKE INC CL B 654106103 358 2,465 SH   SOLE NONE 0 0 2,465
OREILLY AUTOMOTIVE INC COM 67103H107 748 1,224 SH   SOLE NONE 0 0 1,224
PAYCHEX INC COM 704326107 217 1,929 SH   SOLE NONE 0 0 1,929
PEPSICO INC COM 713448108 786 5,223 SH   SOLE NONE 0 0 5,223
PFIZER INC COM 717081103 215 4,995 SH   SOLE NONE 0 0 4,995
PHILIP MORRIS INTL INC COM 718172109 274 2,889 SH   SOLE NONE 0 0 2,889
REGENERON PHARMACEUTICALS COM 75886F107 500 827 SH   SOLE NONE 0 0 827
STARBUCKS CORP COM 855244109 347 3,146 SH   SOLE NONE 0 0 3,146
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 6,487 156,230 SH   SOLE NONE 0 0 156,230
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 776 10,117 SH   SOLE NONE 0 0 10,117
SPDR SER TR S&P DIVID ETF 78464A763 963 8,192 SH   SOLE NONE 0 0 8,192
SHERWIN WILLIAMS CO COM 824348106 349 1,248 SH   SOLE NONE 0 0 1,248
ISHARES TR ISHARES SEMICDTR 464287523 810 1,817 SH   SOLE NONE 0 0 1,817
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 9,676 267,214 SH   SOLE NONE 0 0 267,214
S&P GLOBAL INC COM 78409V104 286 673 SH   SOLE NONE 0 0 673
TEMPUR SEALY INTL INC COM 88023U101 204 4,390 SH   SOLE NONE 0 0 4,390
TRACTOR SUPPLY CO COM 892356106 540 2,667 SH   SOLE NONE 0 0 2,667
TEXAS INSTRS INC COM 882508104 292 1,520 SH   SOLE NONE 0 0 1,520
UNITEDHEALTH GROUP INC COM 91324P102 994 2,544 SH   SOLE NONE 0 0 2,544
UNION PAC CORP COM 907818108 609 3,108 SH   SOLE NONE 0 0 3,108
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,412 6,457 SH   SOLE NONE 0 0 6,457
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 479 7,850 SH   SOLE NONE 0 0 7,850
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,644 30,232 SH   SOLE NONE 0 0 30,232
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 204 2,000 SH   SOLE NONE 0 0 2,000
VANGUARD INDEX FDS TOTAL STK MKT 922908769 631 2,840 SH   SOLE NONE 0 0 2,840
VANGUARD INDEX FDS LARGE CAP ETF 922908637 281 1,400 SH   SOLE NONE 0 0 1,400
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 16,252 324,968 SH   SOLE NONE 0 0 324,968
VERIZON COMMUNICATIONS INC COM 92343V104 279 5,167 SH   SOLE NONE 0 0 5,167
XCEL ENERGY INC COM 98389B100 519 8,300 SH   SOLE NONE 0 0 8,300
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,509 18,831 SH   SOLE NONE 0 0 18,831
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 411 10,942 SH   SOLE NONE 0 0 10,942
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 279 2,854 SH   SOLE NONE 0 0 2,854
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,432 9,593 SH   SOLE NONE 0 0 9,593
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 200 2,911 SH   SOLE NONE 0 0 2,911
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 462 3,629 SH   SOLE NONE 0 0 3,629
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 345 1,923 SH   SOLE NONE 0 0 1,923
ZOETIS INC CL A 98978V103 332 1,712 SH   SOLE NONE 0 0 1,712