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 COM 88579Y101 3,984 30,792 SH   SOLE NONE 0 0 30,792
APPLE INC COM COM 037833100 444 3,253 SH   SOLE NONE 0 0 3,253
CEMEX SAB DE CV SPON ADR NEW SPON ADR NEW 151290889 39 10,000 SH   SOLE NONE 0 0 10,000
CHEVRON CORP NEW COM COM 166764100 242 1,677 SH   SOLE NONE 0 0 1,677
ECOLAB INC COM COM 278865100 1,677 10,913 SH   SOLE NONE 0 0 10,913
EXXON MOBIL CORP COM COM 30231G102 598 6,992 SH   SOLE NONE 0 0 6,992
GABELLI UTIL TR COM COM 36240A101 212 31,267 SH   SOLE NONE 0 0 31,267
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 2,111 35,884 SH   SOLE NONE 0 0 35,884
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 52,335 138,033 SH   SOLE NONE 0 0 138,033
ISHARES ESG SCREENED S&P 500 ETF ESG SCRND S&P500 46436E569 425 14,988 SH   SOLE NONE 0 0 14,988
ISHARES MSCI EAFE ESG SELECT ETF ESG AW MSCI EAFE 46435G516 396 6,310 SH   SOLE NONE 0 0 6,310
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 4,139 66,241 SH   SOLE NONE 0 0 66,241
ISHARES MSCI EM ESG SELECT ETF ESG AWR MSCI EM 46434G863 263 8,170 SH   SOLE NONE 0 0 8,170
ISHARES S&P MIDCAP FUND CORE S&P MCP ETF 464287507 3,837 16,961 SH   SOLE NONE 0 0 16,961
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 1,337 14,473 SH   SOLE NONE 0 0 14,473
MEDTRONIC PLC SHS SHS G5960L103 299 3,340 SH   SOLE NONE 0 0 3,340
MICROSOFT CORP COM COM 594918104 265 1,032 SH   SOLE NONE 0 0 1,032
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 29,314 932,097 SH   SOLE NONE 0 0 932,097
SHERWIN WILLIAMS CO COM COM 824348106 312 1,395 SH   SOLE NONE 0 0 1,395
SPDR PORTFOLIO S&P 600 SMALL CAP ETF PORTFOLIO S&P600 78468R853 306 8,505 SH   SOLE NONE 0 0 8,505
SPDR S&P 500 ETF TR UNIT 78462F103 4,155 11,014 SH   SOLE NONE 0 0 11,014
TARGET CORP COM COM 87612E106 287 2,032 SH   SOLE NONE 0 0 2,032
XCEL ENERGY INC COM COM 98389B100 313 4,437 SH   SOLE NONE 0 0 4,437