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
3M CO COM 88579Y101 372 2,500 SH   SOLE NONE 0 0 2,500
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 675 2,001 SH   SOLE NONE 0 0 2,001
ALPHABET INC CAP STK CL A 02079K305 2,431 874 SH   SOLE NONE 0 0 874
AMAZON COM INC COM 023135106 5,099 1,564 SH   SOLE NONE 0 0 1,564
APPLE INC COM 037833100 2,688 15,393 SH   SOLE NONE 0 0 15,393
AUTOMATIC DATA PROCESSING IN COM 053015103 774 3,400 SH   SOLE NONE 0 0 3,400
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,058 2 SH   SOLE NONE 0 0 2
BK OF AMERICA CORP 7.25%CNV PFD L 060505682 2,175 1,657 SH   SOLE NONE 0 0 1,657
CIGNA CORP NEW COM 125523100 49,124 205,017 SH   SOLE NONE 0 0 205,017
COCA COLA CO COM 191216100 409 6,594 SH   SOLE NONE 0 0 6,594
CROWN CASTLE INTL CORP NEW COM 22822V101 363 1,964 SH   SOLE NONE 0 0 1,964
CUMMINS INC COM 231021106 324 1,579 SH   SOLE NONE 0 0 1,579
DOLLAR GEN CORP NEW COM 256677105 497 2,231 SH   SOLE NONE 0 0 2,231
DUKE ENERGY CORP NEW COM NEW 26441C204 3,029 27,125 SH   SOLE NONE 0 0 27,125
EXXON MOBIL CORP COM 30231G102 438 5,298 SH   SOLE NONE 0 0 5,298
FASTENAL CO COM 311900104 356 6,000 SH   SOLE NONE 0 0 6,000
FEDEX CORP COM 31428X106 494 2,136 SH   SOLE NONE 0 0 2,136
FIRST INDL RLTY TR INC COM 32054K103 337 5,438 SH   SOLE NONE 0 0 5,438
FS KKR CAP CORP COM 302635206 2,784 121,998 SH   SOLE NONE 0 0 121,998
GENERAL MLS INC COM 370334104 217 3,200 SH   SOLE NONE 0 0 3,200
HOME DEPOT INC COM 437076102 974 3,255 SH   SOLE NONE 0 0 3,255
ISHARES TR CORE DIV GRWTH 46434V621 51,704 968,051 SH   SOLE NONE 0 0 968,051
ISHARES TR FLTG RATE NT ETF 46429B655 872 17,256 SH   SOLE NONE 0 0 17,256
ISHARES TR CORE MSCI EAFE 46432F842 1,204 17,321 SH   SOLE NONE 0 0 17,321
ISHARES TR CORE S&P US GWT 464287671 1,628 15,407 SH   SOLE NONE 0 0 15,407
ISHARES TR CORE S&P500 ETF 464287200 4,304 9,487 SH   SOLE NONE 0 0 9,487
ISHARES TR MBS ETF 464288588 8,478 83,223 SH   SOLE NONE 0 0 83,223
ISHARES TR ISHARES SEMICDTR 464287523 860 1,817 SH   SOLE NONE 0 0 1,817
JOHNSON JOHNSON COM 478160104 738 4,163 SH   SOLE NONE 0 0 4,163
KIMBERLYCLARK CORP COM 494368103 332 2,696 SH   SOLE NONE 0 0 2,696
LINDE PLC SHS G5494J103 204 640 SH   SOLE NONE 0 0 640
MICROSOFT CORP COM 594918104 2,110 6,845 SH   SOLE NONE 0 0 6,845
OREILLY AUTOMOTIVE INC COM 67103H107 838 1,224 SH   SOLE NONE 0 0 1,224
PEPSICO INC COM 713448108 861 5,142 SH   SOLE NONE 0 0 5,142
PFIZER INC COM 717081103 259 4,996 SH   SOLE NONE 0 0 4,996
PROLOGIS INC. COM 74340W103 452 2,802 SH   SOLE NONE 0 0 2,802
REGENERON PHARMACEUTICALS COM 75886F107 578 827 SH   SOLE NONE 0 0 827
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 8,252 285,043 SH   SOLE NONE 0 0 285,043
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 4,146 128,595 SH   SOLE NONE 0 0 128,595
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 5,720 150,636 SH   SOLE NONE 0 0 150,636
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 763 10,056 SH   SOLE NONE 0 0 10,056
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,281 18,622 SH   SOLE NONE 0 0 18,622
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 419 10,942 SH   SOLE NONE 0 0 10,942
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 294 2,854 SH   SOLE NONE 0 0 2,854
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,512 9,512 SH   SOLE NONE 0 0 9,512
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 472 3,444 SH   SOLE NONE 0 0 3,444
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 356 1,923 SH   SOLE NONE 0 0 1,923
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 9,142 266,678 SH   SOLE NONE 0 0 266,678
SPDR SER TR S&P KENSHO CLEAN 78468R655 1,144 12,748 SH   SOLE NONE 0 0 12,748
SPDR SER TR S&P DIVID ETF 78464A763 1,049 8,192 SH   SOLE NONE 0 0 8,192
TRACTOR SUPPLY CO COM 892356106 555 2,380 SH   SOLE NONE 0 0 2,380
UNION PAC CORP COM 907818108 654 2,395 SH   SOLE NONE 0 0 2,395
UNITEDHEALTH GROUP INC COM 91324P102 836 1,640 SH   SOLE NONE 0 0 1,640
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,387 6,525 SH   SOLE NONE 0 0 6,525
VANGUARD INDEX FDS TOTAL STK MKT 922908769 647 2,840 SH   SOLE NONE 0 0 2,840
VANGUARD INDEX FDS LARGE CAP ETF 922908637 292 1,400 SH   SOLE NONE 0 0 1,400
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 452 7,850 SH   SOLE NONE 0 0 7,850
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 203 2,000 SH   SOLE NONE 0 0 2,000
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,942 323,911 SH   SOLE NONE 0 0 323,911
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,865 30,004 SH   SOLE NONE 0 0 30,004
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 250 2,231 SH   SOLE NONE 0 0 2,231
VANGUARD WORLD FD MEGA GRWTH IND 921910816 289 1,229 SH   SOLE NONE 0 0 1,229
VERIZON COMMUNICATIONS INC COM 92343V104 205 4,028 SH   SOLE NONE 0 0 4,028
WISDOMTREE TR US LARGECAP DIVD 97717W307 237 3,600 SH   SOLE NONE 0 0 3,600
XCEL ENERGY INC COM 98389B100 503 6,967 SH   SOLE NONE 0 0 6,967