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
ABBVIE INC COM 00287Y109 389 2,397 SH   SOLE   0 0 2,397
ALPHABET INC CAP STK CL A 02079K305 790 284 SH   SOLE   0 0 284
ALPHABET INC CAP STK CL C 02079K107 1,874 671 SH   SOLE   0 0 671
AMAZON COM INC COM 023135106 2,566 787 SH   SOLE   0 0 787
AMERICAN CENTY ETF TR FOCUSED DYNAMIC 025072810 1,362 18,837 SH   SOLE   0 0 18,837
AMERICAN TOWER CORP NEW COM 03027X100 515 2,050 SH   SOLE   0 0 2,050
AMGEN INC COM 031162100 1,670 6,906 SH   SOLE   0 0 6,906
APPLE INC COM 037833100 4,515 25,856 SH   SOLE   0 0 25,856
AQUA METALS INC COM 03837J101 21 14,005 SH   SOLE   0 0 14,005
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,209 6,258 SH   SOLE   0 0 6,258
CHEVRON CORP NEW COM 166764100 231 1,416 SH   SOLE   0 0 1,416
CISCO SYS INC COM 17275R102 759 13,610 SH   SOLE   0 0 13,610
COCA COLA CO COM 191216100 968 15,606 SH   SOLE   0 0 15,606
CUMMINS INC COM 231021106 1,289 6,286 SH   SOLE   0 0 6,286
CVS HEALTH CORP COM 126650100 1,833 18,109 SH   SOLE   0 0 18,109
DEERE & CO COM 244199105 1,749 4,209 SH   SOLE   0 0 4,209
DISNEY WALT CO COM 254687106 1,528 11,139 SH   SOLE   0 0 11,139
ETFIS SER TR I VIRTUS REAL AS 26923G780 1,181 40,857 SH   SOLE   0 0 40,857
HOME DEPOT INC COM 437076102 1,092 3,649 SH   SOLE   0 0 3,649
HONEYWELL INTL INC COM 438516106 1,443 7,416 SH   SOLE   0 0 7,416
INTEL CORP COM 458140100 1,502 30,302 SH   SOLE   0 0 30,302
INTERNATIONAL BUSINESS MACHS COM 459200101 1,484 11,413 SH   SOLE   0 0 11,413
INTUITIVE SURGICAL INC COM NEW 46120E602 367 1,215 SH   SOLE   0 0 1,215
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 457 9,162 SH   SOLE   0 0 9,162
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 175 12,908 SH   SOLE   0 0 12,908
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 595 8,876 SH   SOLE   0 0 8,876
INVESCO QQQ TR UNIT SER 1 46090E103 254 700 SH   SOLE   0 0 700
ISHARES SILVER TR ISHARES 46428Q109 329 14,400 SH   SOLE   0 0 14,400
ISHARES TR CORE S&P TTL STK 464287150 2,001 19,826 SH   SOLE   0 0 19,826
ISHARES TR SELECT DIVID ETF 464287168 221 1,725 SH   SOLE   0 0 1,725
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 455 9,174 SH   SOLE   0 0 9,174
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,089 27,185 SH   SOLE   0 0 27,185
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 15,169 309,073 SH   SOLE   0 0 309,073
JOHNSON & JOHNSON COM 478160104 324 1,827 SH   SOLE   0 0 1,827
JPMORGAN CHASE & CO COM 46625H100 1,986 14,569 SH   SOLE   0 0 14,569
META PLATFORMS INC CL A 30303M102 1,025 4,611 SH   SOLE   0 0 4,611
MICROSOFT CORP COM 594918104 3,010 9,764 SH   SOLE   0 0 9,764
NORTHROP GRUMMAN CORP COM 666807102 1,996 4,463 SH   SOLE   0 0 4,463
NUVEEN FLOATING RATE INCOME COM 67072T108 135 13,480 SH   SOLE   0 0 13,480
NVIDIA CORPORATION COM 67066G104 574 2,103 SH   SOLE   0 0 2,103
PAYPAL HLDGS INC COM 70450Y103 613 5,300 SH   SOLE   0 0 5,300
PEPSICO INC COM 713448108 1,940 11,592 SH   SOLE   0 0 11,592
PFIZER INC COM 717081103 387 7,472 SH   SOLE   0 0 7,472
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 495 4,941 SH   SOLE   0 0 4,941
QUANTA SVCS INC COM 74762E102 1,904 14,464 SH   SOLE   0 0 14,464
REPUBLIC SVCS INC COM 760759100 1,537 11,598 SH   SOLE   0 0 11,598
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,241 61,031 SH   SOLE   0 0 61,031
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,168 43,769 SH   SOLE   0 0 43,769
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,794 35,469 SH   SOLE   0 0 35,469
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 270 5,055 SH   SOLE   0 0 5,055
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,365 68,002 SH   SOLE   0 0 68,002
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,139 28,587 SH   SOLE   0 0 28,587
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,001 28,024 SH   SOLE   0 0 28,024
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 529 6,969 SH   SOLE   0 0 6,969
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 398 8,412 SH   SOLE   0 0 8,412
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 9,148 238,715 SH   SOLE   0 0 238,715
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,491 16,914 SH   SOLE   0 0 16,914
SPDR GOLD TR GOLD SHS 78463V107 781 4,323 SH   SOLE   0 0 4,323
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 10,487 381,085 SH   SOLE   0 0 381,085
SPDR SER TR S&P 600 SMCP GRW 78464A201 4,581 54,644 SH   SOLE   0 0 54,644
SPDR SER TR S&P 600 SMCP VAL 78464A300 6,296 75,549 SH   SOLE   0 0 75,549
TARGET CORP COM 87612E106 2,035 9,589 SH   SOLE   0 0 9,589
TESLA INC COM 88160R101 461 428 SH   SOLE   0 0 428
UNITEDHEALTH GROUP INC COM 91324P102 2,041 4,002 SH   SOLE   0 0 4,002
VANGUARD INDEX FDS GROWTH ETF 922908736 204 708 SH   SOLE   0 0 708
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 5,452 24,468 SH   SOLE   0 0 24,468
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 6,453 43,115 SH   SOLE   0 0 43,115
VANGUARD INDEX FDS TOTAL STK MKT 922908769 622 2,730 SH   SOLE   0 0 2,730
VANGUARD INDEX FDS VALUE ETF 922908744 15,218 102,978 SH   SOLE   0 0 102,978
VISA INC COM CL A 92826C839 1,301 5,865 SH   SOLE   0 0 5,865
WISDOMTREE TR US HIGH DIVIDEND 97717W208 9,108 103,396 SH   SOLE   0 0 103,396
XCEL ENERGY INC COM 98389B100 223 3,083 SH   SOLE   0 0 3,083