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
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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   491,242 4,908 SH   SOLE 0 0 0 4,908
ABBOTT LABS COM 002824100   954,906 8,759 SH   SOLE 0 0 0 8,759
ABBVIE INC COM 00287Y109   1,981,878 14,710 SH   SOLE 0 0 0 14,710
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   652,647 2,115 SH   SOLE 0 0 0 2,115
ADOBE SYSTEMS INCORPORATED COM 00724F101   333,980 683 SH   SOLE 0 0 0 683
AFLAC INC COM 001055102   1,529,667 21,915 SH   SOLE 0 0 0 21,915
AKAMAI TECHNOLOGIES INC COM 00971T101   518,101 5,765 SH   SOLE 0 0 0 5,765
ALPHABET INC CAP STK CL A 02079K305   1,357,997 11,345 SH   SOLE 0 0 0 11,345
ALPHABET INC CAP STK CL C 02079K107   1,008,890 8,340 SH   SOLE 0 0 0 8,340
AMAZON COM INC COM 023135106   729,886 5,599 SH   SOLE 0 0 0 5,599
AMERICAN EXPRESS CO COM 025816109   327,148 1,878 SH   SOLE 0 0 0 1,878
AMERICAN TOWER CORP NEW COM 03027X100   817,457 4,215 SH   SOLE 0 0 0 4,215
AMERICAN WTR WKS CO INC NEW COM 030420103   1,375,682 9,637 SH   SOLE 0 0 0 9,637
AMGEN INC COM 031162100   1,333,008 6,004 SH   SOLE 0 0 0 6,004
APPLE INC COM 037833100   3,061,816 15,785 SH   SOLE 0 0 0 15,785
APPLIED MATLS INC COM 038222105   323,047 2,235 SH   SOLE 0 0 0 2,235
ARCHER DANIELS MIDLAND CO COM 039483102   1,324,265 17,526 SH   SOLE 0 0 0 17,526
AT&T INC COM 00206R102   522,219 32,741 SH   SOLE 0 0 0 32,741
BANK AMERICA CORP COM 060505104   248,685 8,668 SH   SOLE 0 0 0 8,668
BECTON DICKINSON & CO COM 075887109   290,411 1,100 SH   SOLE 0 0 0 1,100
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   569,129 1,669 SH   SOLE 0 0 0 1,669
BLACKROCK INC COM 09247X101   712,565 1,031 SH   SOLE 0 0 0 1,031
BRISTOL-MYERS SQUIBB CO COM 110122108   1,464,071 22,894 SH   SOLE 0 0 0 22,894
BROADCOM INC COM 11135F101   1,687,151 1,945 SH   SOLE 0 0 0 1,945
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   957,176 5,779 SH   SOLE 0 0 0 5,779
BUNGE LIMITED COM G16962105   352,869 3,740 SH   SOLE 0 0 0 3,740
CANADIAN NATL RY CO COM 136375102   484,280 4,000 SH   SOLE 0 0 0 4,000
CANADIAN PACIFIC KANSAS CITY COM 13646K108   605,775 7,500 SH   SOLE 0 0 0 7,500
CARDINAL HEALTH INC COM 14149Y108   1,494,206 15,800 SH   SOLE 0 0 0 15,800
CHEMED CORP NEW COM 16359R103   270,835 500 SH   SOLE 0 0 0 500
CHENIERE ENERGY INC COM NEW 16411R208   542,402 3,560 SH   SOLE 0 0 0 3,560
CHEVRON CORP NEW COM 166764100   1,723,455 10,953 SH   SOLE 0 0 0 10,953
CISCO SYS INC COM 17275R102   3,094,569 59,810 SH   SOLE 0 0 0 59,810
COMCAST CORP NEW CL A 20030N101   632,599 15,225 SH   SOLE 0 0 0 15,225
CONOCOPHILLIPS COM 20825C104   1,057,029 10,202 SH   SOLE 0 0 0 10,202
COSTCO WHSL CORP NEW COM 22160K105   2,656,905 4,935 SH   SOLE 0 0 0 4,935
CVS HEALTH CORP COM 126650100   730,911 10,573 SH   SOLE 0 0 0 10,573
CYBERARK SOFTWARE LTD SHS M2682V108   330,951 2,117 SH   SOLE 0 0 0 2,117
DIAGEO PLC SPON ADR NEW 25243Q205   435,608 2,511 SH   SOLE 0 0 0 2,511
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   707,451 25,895 SH   SOLE 0 0 0 25,895
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   313,364 6,755 SH   SOLE 0 0 0 6,755
DIREXION SHS ETF TR HEALTHCARE BUL 25459Y876   200,020 2,000 SH   SOLE 0 0 0 2,000
DISNEY WALT CO COM 254687106   546,394 6,120 SH   SOLE 0 0 0 6,120
EMERSON ELEC CO COM 291011104   1,601,259 17,715 SH   SOLE 0 0 0 17,715
ENBRIDGE INC COM 29250N105   494,169 13,302 SH   SOLE 0 0 0 13,302
EXXON MOBIL CORP COM 30231G102   2,850,169 26,575 SH   SOLE 0 0 0 26,575
FEDEX CORP COM 31428X106   601,653 2,427 SH   SOLE 0 0 0 2,427
FLEX LNG LTD SHS G35947202   949,483 31,100 SH   SOLE 0 0 0 31,100
FLEXSHARES TR MORNSTAR UPSTR 33939L407   502,558 12,542 SH   SOLE 0 0 0 12,542
FLEXSHARES TR IBOXX 3R TARGT 33939L506   329,420 14,000 SH   SOLE 0 0 0 14,000
GENERAL DYNAMICS CORP COM 369550108   516,145 2,399 SH   SOLE 0 0 0 2,399
GENERAL ELECTRIC CO COM NEW 369604301   341,853 3,112 SH   SOLE 0 0 0 3,112
GENERAL MLS INC COM 370334104   771,755 10,062 SH   SOLE 0 0 0 10,062
GENERAL MTRS CO COM 37045V100   291,128 7,550 SH   SOLE 0 0 0 7,550
GENUINE PARTS CO COM 372460105   589,936 3,486 SH   SOLE 0 0 0 3,486
GILEAD SCIENCES INC COM 375558103   394,367 5,117 SH   SOLE 0 0 0 5,117
HANESBRANDS INC COM 410345102   332,768 73,297 SH   SOLE 0 0 0 73,297
HOME DEPOT INC COM 437076102   369,040 1,188 SH   SOLE 0 0 0 1,188
HONEYWELL INTL INC COM 438516106   283,030 1,364 SH   SOLE 0 0 0 1,364
HUNTINGTON INGALLS INDS INC COM 446413106   497,761 2,187 SH   SOLE 0 0 0 2,187
IDEXX LABS INC COM 45168D104   853,791 1,700 SH   SOLE 0 0 0 1,700
ILLINOIS TOOL WKS INC COM 452308109   229,897 919 SH   SOLE 0 0 0 919
INTEL CORP COM 458140100   1,364,018 40,790 SH   SOLE 0 0 0 40,790
INTERNATIONAL BUSINESS MACHS COM 459200101   1,727,487 12,910 SH   SOLE 0 0 0 12,910
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   254,374 12,090 SH   SOLE 0 0 0 12,090
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   1,109,737 41,798 SH   SOLE 0 0 0 41,798
INVESCO QQQ TR UNIT SER 1 46090E103   1,329,912 3,600 SH   SOLE 0 0 0 3,600
ISHARES GOLD TR ISHARES NEW 464285204   7,486,114 205,719 SH   SOLE 0 0 0 205,719
ISHARES TR SHORT TREAS BD 464288679   1,071,586 9,702 SH   SOLE 0 0 0 9,702
ISHARES TR ISHS 1-5YR INVS 464288646   4,405,929 87,820 SH   SOLE 0 0 0 87,820
ISHARES TR INTL SEL DIV ETF 464288448   2,953,146 112,159 SH   SOLE 0 0 0 112,159
ISHARES TR U.S. MED DVC ETF 464288810   1,292,934 22,900 SH   SOLE 0 0 0 22,900
ISHARES TR ISHS 5-10YR INVT 464288638   3,351,527 66,275 SH   SOLE 0 0 0 66,275
ISHARES TR EXPANDED TECH 464287515   1,067,132 3,085 SH   SOLE 0 0 0 3,085
ISHARES TR CORE US AGGBD ET 464287226   2,049,996 20,929 SH   SOLE 0 0 0 20,929
ISHARES TR RUS 2000 GRW ETF 464287648   553,265 2,280 SH   SOLE 0 0 0 2,280
ISHARES TR CORE S&P MCP ETF 464287507   2,995,776 11,457 SH   SOLE 0 0 0 11,457
ISHARES TR CORE S&P SCP ETF 464287804   1,402,175 14,071 SH   SOLE 0 0 0 14,071
ISHARES TR CORE S&P500 ETF 464287200   1,564,442 3,510 SH   SOLE 0 0 0 3,510
ISHARES TR RUSSELL 2000 ETF 464287655   241,953 1,292 SH   SOLE 0 0 0 1,292
ISHARES TR 7-10 YR TRSY BD 464287440   509,008 5,269 SH   SOLE 0 0 0 5,269
ISHARES TR MSCI EAFE ETF 464287465   362,500 5,000 SH   SOLE 0 0 0 5,000
ISHARES TR CORE MSCI EAFE 46432F842   1,984,095 29,394 SH   SOLE 0 0 0 29,394
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   496,370 9,800 SH   SOLE 0 0 0 9,800
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   6,467,057 128,980 SH   SOLE 0 0 0 128,980
JOHNSON & JOHNSON COM 478160104   1,560,357 9,427 SH   SOLE 0 0 0 9,427
JPMORGAN CHASE & CO COM 46625H100   2,952,287 20,299 SH   SOLE 0 0 0 20,299
KLA CORP COM NEW 482480100   208,559 430 SH   SOLE 0 0 0 430
KNIFE RIVER CORP COMMON STOCK 498894104   222,633 5,118 SH   SOLE 0 0 0 5,118
L3HARRIS TECHNOLOGIES INC COM 502431109   349,449 1,785 SH   SOLE 0 0 0 1,785
LILLY ELI & CO COM 532457108   2,086,961 4,450 SH   SOLE 0 0 0 4,450
LINDE PLC SHS G54950103   211,880 556 SH   SOLE 0 0 0 556
LOCKHEED MARTIN CORP COM 539830109   1,628,824 3,538 SH   SOLE 0 0 0 3,538
LOWES COS INC COM 548661107   680,937 3,017 SH   SOLE 0 0 0 3,017
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   1,052,280 11,459 SH   SOLE 0 0 0 11,459
MASTERCARD INCORPORATED CL A 57636Q104   1,238,895 3,150 SH   SOLE 0 0 0 3,150
MCDONALDS CORP COM 580135101   991,318 3,322 SH   SOLE 0 0 0 3,322
MCKESSON CORP COM 58155Q103   629,000 1,472 SH   SOLE 0 0 0 1,472
MDU RES GROUP INC COM 552690109   428,977 20,486 SH   SOLE 0 0 0 20,486
MEDTRONIC PLC SHS G5960L103   209,854 2,382 SH   SOLE 0 0 0 2,382
MERCK & CO INC COM 58933Y105   1,548,995 13,424 SH   SOLE 0 0 0 13,424
MICROSOFT CORP COM 594918104   5,468,391 16,058 SH   SOLE 0 0 0 16,058
MOLSON COORS BEVERAGE CO CL B 60871R209   1,053,111 15,995 SH   SOLE 0 0 0 15,995
NETAPP INC COM 64110D104   523,034 6,846 SH   SOLE 0 0 0 6,846
NEWELL BRANDS INC COM 651229106   458,342 52,683 SH   SOLE 0 0 0 52,683
NEWMONT CORP COM 651639106   368,966 8,649 SH   SOLE 0 0 0 8,649
NIKE INC CL B 654106103   242,593 2,198 SH   SOLE 0 0 0 2,198
NORTHROP GRUMMAN CORP COM 666807102   911,600 2,000 SH   SOLE 0 0 0 2,000
NOVARTIS AG SPONSORED ADR 66987V109   516,558 5,119 SH   SOLE 0 0 0 5,119
NOVO-NORDISK A S ADR 670100205   1,762,005 10,888 SH   SOLE 0 0 0 10,888
NUCOR CORP COM 670346105   1,111,948 6,781 SH   SOLE 0 0 0 6,781
ORACLE CORP COM 68389X105   391,449 3,287 SH   SOLE 0 0 0 3,287
PACKAGING CORP AMER COM 695156109   267,095 2,021 SH   SOLE 0 0 0 2,021
PAYCHEX INC COM 704326107   641,686 5,736 SH   SOLE 0 0 0 5,736
PEPSICO INC COM 713448108   1,051,124 5,675 SH   SOLE 0 0 0 5,675
PFIZER INC COM 717081103   925,913 25,243 SH   SOLE 0 0 0 25,243
PNC FINL SVCS GROUP INC COM 693475105   420,421 3,338 SH   SOLE 0 0 0 3,338
PPL CORP COM 69351T106   413,993 15,646 SH   SOLE 0 0 0 15,646
PROCTER AND GAMBLE CO COM 742718109   1,089,645 7,181 SH   SOLE 0 0 0 7,181
PRUDENTIAL FINL INC COM 744320102   498,178 5,647 SH   SOLE 0 0 0 5,647
PUBLIC STORAGE COM 74460D109   203,732 698 SH   SOLE 0 0 0 698
PUTNAM PREMIER INCOME TR SH BEN INT 746853100   61,283 17,410 SH   SOLE 0 0 0 17,410
QUALCOMM INC COM 747525103   399,498 3,356 SH   SOLE 0 0 0 3,356
RAYTHEON TECHNOLOGIES CORP COM 75513E101   492,053 5,023 SH   SOLE 0 0 0 5,023
SALESFORCE INC COM 79466L302   202,176 957 SH   SOLE 0 0 0 957
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   218,445 3,256 SH   SOLE 0 0 0 3,256
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,755,201 98,943 SH   SOLE 0 0 0 98,943
SCHWAB STRATEGIC TR US REIT ETF 808524847   800,710 40,999 SH   SOLE 0 0 0 40,999
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   884,722 33,049 SH   SOLE 0 0 0 33,049
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   247,604 4,002 SH   SOLE 0 0 0 4,002
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,164,790 14,350 SH   SOLE 0 0 0 14,350
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,566,652 9,011 SH   SOLE 0 0 0 9,011
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   222,510 3,000 SH   SOLE 0 0 0 3,000
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   793,183 4,671 SH   SOLE 0 0 0 4,671
SMUCKER J M CO COM NEW 832696405   723,583 4,900 SH   SOLE 0 0 0 4,900
SNOWFLAKE INC CL A 833445109   207,128 1,177 SH   SOLE 0 0 0 1,177
SPDR GOLD TR GOLD SHS 78463V107   217,668 1,221 SH   SOLE 0 0 0 1,221
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   235,752 7,245 SH   SOLE 0 0 0 7,245
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,817,488 6,356 SH   SOLE 0 0 0 6,356
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,024,867 2,140 SH   SOLE 0 0 0 2,140
SPDR SER TR PORTFOLIO AGRGTE 78464A649   211,840 8,350 SH   SOLE 0 0 0 8,350
SPDR SER TR PORTFOLIO INTRMD 78464A375   1,238,483 38,570 SH   SOLE 0 0 0 38,570
SPROTT PHYSICAL GOLD TR UNIT 85207H104   173,266 11,613 SH   SOLE 0 0 0 11,613
STARBUCKS CORP COM 855244109   471,327 4,758 SH   SOLE 0 0 0 4,758
STRYKER CORPORATION COM 863667101   274,886 901 SH   SOLE 0 0 0 901
SYNOPSYS INC COM 871607107   761,968 1,750 SH   SOLE 0 0 0 1,750
T-MOBILE US INC COM 872590104   548,516 3,949 SH   SOLE 0 0 0 3,949
TARGET CORP COM 87612E106   243,356 1,845 SH   SOLE 0 0 0 1,845
THE REAL BROKERAGE INC COM NEW 75585H206   23,684 12,400 SH   SOLE 0 0 0 12,400
THERMO FISHER SCIENTIFIC INC COM 883556102   1,282,983 2,459 SH   SOLE 0 0 0 2,459
TJX COS INC NEW COM 872540109   840,693 9,915 SH   SOLE 0 0 0 9,915
TRAVELERS COMPANIES INC COM 89417E109   687,173 3,957 SH   SOLE 0 0 0 3,957
TYSON FOODS INC CL A 902494103   574,251 11,251 SH   SOLE 0 0 0 11,251
UNION PAC CORP COM 907818108   432,771 2,115 SH   SOLE 0 0 0 2,115
UNITED PARCEL SERVICE INC CL B 911312106   368,717 2,057 SH   SOLE 0 0 0 2,057
UNITEDHEALTH GROUP INC COM 91324P102   453,244 943 SH   SOLE 0 0 0 943
US BANCORP DEL COM NEW 902973304   365,588 11,065 SH   SOLE 0 0 0 11,065
VALERO ENERGY CORP COM 91913Y100   392,603 3,347 SH   SOLE 0 0 0 3,347
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,246,638 42,962 SH   SOLE 0 0 0 42,962
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,053,220 14,000 SH   SOLE 0 0 0 14,000
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   5,048,379 36,482 SH   SOLE 0 0 0 36,482
VANGUARD INDEX FDS VALUE ETF 922908744   1,550,311 10,910 SH   SOLE 0 0 0 10,910
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,150,208 19,046 SH   SOLE 0 0 0 19,046
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   367,163 4,394 SH   SOLE 0 0 0 4,394
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,775,677 8,061 SH   SOLE 0 0 0 8,061
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   588,716 10,820 SH   SOLE 0 0 0 10,820
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,171,057 28,787 SH   SOLE 0 0 0 28,787
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   3,790,844 64,624 SH   SOLE 0 0 0 64,624
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,030,788 40,058 SH   SOLE 0 0 0 40,058
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,566,476 21,957 SH   SOLE 0 0 0 21,957
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   521,788 11,299 SH   SOLE 0 0 0 11,299
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,305,962 21,740 SH   SOLE 0 0 0 21,740
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,054,552 2,385 SH   SOLE 0 0 0 2,385
VERIZON COMMUNICATIONS INC COM 92343V104   1,240,547 33,357 SH   SOLE 0 0 0 33,357
VERTEX PHARMACEUTICALS INC COM 92532F100   293,141 833 SH   SOLE 0 0 0 833
VIATRIS INC COM 92556V106   238,382 23,886 SH   SOLE 0 0 0 23,886
VIRTU FINL INC CL A 928254101   329,512 19,281 SH   SOLE 0 0 0 19,281
VISA INC COM CL A 92826C839   785,346 3,307 SH   SOLE 0 0 0 3,307
WALGREENS BOOTS ALLIANCE INC COM 931427108   1,035,412 36,343 SH   SOLE 0 0 0 36,343
WALMART INC COM 931142103   252,274 1,605 SH   SOLE 0 0 0 1,605
WASTE MGMT INC DEL COM 94106L109   503,265 2,902 SH   SOLE 0 0 0 2,902
XYLEM INC COM 98419M100   548,009 4,866 SH   SOLE 0 0 0 4,866
ZOETIS INC CL A 98978V103   870,522 5,055 SH   SOLE 0 0 0 5,055