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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   468,849 5,008 SH   SOLE 0 0 0 5,008
ABBOTT LABS COM 002824100   805,986 8,322 SH   SOLE 0 0 0 8,322
ABBVIE INC COM 00287Y109   2,192,673 14,710 SH   SOLE 0 0 0 14,710
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   649,538 2,115 SH   SOLE 0 0 0 2,115
ADOBE INC COM 00724F101   348,262 683 SH   SOLE 0 0 0 683
AFLAC INC COM 001055102   1,712,676 22,315 SH   SOLE 0 0 0 22,315
AKAMAI TECHNOLOGIES INC COM 00971T101   614,203 5,765 SH   SOLE 0 0 0 5,765
ALPHABET INC CAP STK CL A 02079K305   1,484,607 11,345 SH   SOLE 0 0 0 11,345
ALPHABET INC CAP STK CL C 02079K107   1,099,629 8,340 SH   SOLE 0 0 0 8,340
AMAZON COM INC COM 023135106   711,745 5,599 SH   SOLE 0 0 0 5,599
AMERICAN EXPRESS CO COM 025816109   280,179 1,878 SH   SOLE 0 0 0 1,878
AMERICAN TOWER CORP NEW COM 03027X100   668,489 4,065 SH   SOLE 0 0 0 4,065
AMERICAN WTR WKS CO INC NEW COM 030420103   1,193,350 9,637 SH   SOLE 0 0 0 9,637
AMGEN INC COM 031162100   1,613,635 6,004 SH   SOLE 0 0 0 6,004
APPLE INC COM 037833100   2,595,544 15,160 SH   SOLE 0 0 0 15,160
APPLIED MATLS INC COM 038222105   309,436 2,235 SH   SOLE 0 0 0 2,235
ARCHER DANIELS MIDLAND CO COM 039483102   1,377,622 18,266 SH   SOLE 0 0 0 18,266
AT&T INC COM 00206R102   491,770 32,741 SH   SOLE 0 0 0 32,741
BANK AMERICA CORP COM 060505104   237,330 8,668 SH   SOLE 0 0 0 8,668
BECTON DICKINSON & CO COM 075887109   284,383 1,100 SH   SOLE 0 0 0 1,100
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   584,651 1,669 SH   SOLE 0 0 0 1,669
BLACKROCK INC COM 09247X101   666,531 1,031 SH   SOLE 0 0 0 1,031
BRISTOL-MYERS SQUIBB CO COM 110122108   1,317,160 22,694 SH   SOLE 0 0 0 22,694
BROADCOM INC COM 11135F101   1,615,478 1,945 SH   SOLE 0 0 0 1,945
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   1,034,730 5,779 SH   SOLE 0 0 0 5,779
BUNGE LIMITED COM G16962105   404,855 3,740 SH   SOLE 0 0 0 3,740
CANADIAN NATL RY CO COM 136375102   433,320 4,000 SH   SOLE 0 0 0 4,000
CANADIAN PACIFIC KANSAS CITY COM 13646K108   558,075 7,500 SH   SOLE 0 0 0 7,500
CARDINAL HEALTH INC COM 14149Y108   1,371,756 15,800 SH   SOLE 0 0 0 15,800
CHEMED CORP NEW COM 16359R103   259,850 500 SH   SOLE 0 0 0 500
CHENIERE ENERGY INC COM NEW 16411R208   590,818 3,560 SH   SOLE 0 0 0 3,560
CHEVRON CORP NEW COM 166764100   1,990,222 11,803 SH   SOLE 0 0 0 11,803
CISCO SYS INC COM 17275R102   3,263,770 60,710 SH   SOLE 0 0 0 60,710
COMCAST CORP NEW CL A 20030N101   675,077 15,225 SH   SOLE 0 0 0 15,225
CONOCOPHILLIPS COM 20825C104   886,760 7,402 SH   SOLE 0 0 0 7,402
COSTCO WHSL CORP NEW COM 22160K105   2,788,078 4,935 SH   SOLE 0 0 0 4,935
CVS HEALTH CORP COM 126650100   752,171 10,773 SH   SOLE 0 0 0 10,773
CYBERARK SOFTWARE LTD SHS M2682V108   346,701 2,117 SH   SOLE 0 0 0 2,117
DIAGEO PLC SPON ADR NEW 25243Q205   374,591 2,511 SH   SOLE 0 0 0 2,511
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   738,130 28,270 SH   SOLE 0 0 0 28,270
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   333,765 7,305 SH   SOLE 0 0 0 7,305
DISNEY WALT CO COM 254687106   463,606 5,720 SH   SOLE 0 0 0 5,720
ELI LILLY & CO COM 532457108   2,390,229 4,450 SH   SOLE 0 0 0 4,450
EMERSON ELEC CO COM 291011104   1,698,666 17,590 SH   SOLE 0 0 0 17,590
ENBRIDGE INC COM 29250N105   441,493 13,302 SH   SOLE 0 0 0 13,302
EXXON MOBIL CORP COM 30231G102   3,183,479 27,075 SH   SOLE 0 0 0 27,075
FEDEX CORP COM 31428X106   642,961 2,427 SH   SOLE 0 0 0 2,427
FLEX LNG LTD SHS G35947202   838,448 27,800 SH   SOLE 0 0 0 27,800
FLEXSHARES TR MORNSTAR UPSTR 33939L407   484,795 11,988 SH   SOLE 0 0 0 11,988
FLEXSHARES TR IBOXX 3R TARGT 33939L506   324,660 14,000 SH   SOLE 0 0 0 14,000
GENERAL DYNAMICS CORP COM 369550108   583,140 2,639 SH   SOLE 0 0 0 2,639
GENERAL ELECTRIC CO COM NEW 369604301   344,032 3,112 SH   SOLE 0 0 0 3,112
GENERAL MLS INC COM 370334104   643,867 10,062 SH   SOLE 0 0 0 10,062
GENERAL MTRS CO COM 37045V100   248,924 7,550 SH   SOLE 0 0 0 7,550
GENUINE PARTS CO COM 372460105   503,309 3,486 SH   SOLE 0 0 0 3,486
GILEAD SCIENCES INC COM 375558103   383,468 5,117 SH   SOLE 0 0 0 5,117
HANESBRANDS INC COM 410345102   286,692 72,397 SH   SOLE 0 0 0 72,397
HOME DEPOT INC COM 437076102   358,966 1,188 SH   SOLE 0 0 0 1,188
HONEYWELL INTL INC COM 438516106   251,985 1,364 SH   SOLE 0 0 0 1,364
HUNTINGTON INGALLS INDS INC COM 446413106   447,416 2,187 SH   SOLE 0 0 0 2,187
IDEXX LABS INC COM 45168D104   699,632 1,600 SH   SOLE 0 0 0 1,600
ILLINOIS TOOL WKS INC COM 452308109   211,655 919 SH   SOLE 0 0 0 919
INTEL CORP COM 458140100   1,415,708 39,823 SH   SOLE 0 0 0 39,823
INTERNATIONAL BUSINESS MACHS COM 459200101   1,811,273 12,910 SH   SOLE 0 0 0 12,910
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   253,769 12,090 SH   SOLE 0 0 0 12,090
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   1,057,071 41,798 SH   SOLE 0 0 0 41,798
INVESCO QQQ TR UNIT SER 1 46090E103   1,289,772 3,600 SH   SOLE 0 0 0 3,600
ISHARES GOLD TR ISHARES NEW 464285204   7,213,853 206,169 SH   SOLE 0 0 0 206,169
ISHARES TR SHORT TREAS BD 464288679   1,071,780 9,702 SH   SOLE 0 0 0 9,702
ISHARES TR ISHS 1-5YR INVS 464288646   4,376,071 87,820 SH   SOLE 0 0 0 87,820
ISHARES TR INTL SEL DIV ETF 464288448   2,848,839 112,159 SH   SOLE 0 0 0 112,159
ISHARES TR U.S. MED DVC ETF 464288810   1,100,950 22,700 SH   SOLE 0 0 0 22,700
ISHARES TR ISHS 5-10YR INVT 464288638   3,264,172 67,095 SH   SOLE 0 0 0 67,095
ISHARES TR EXPANDED TECH 464287515   1,052,787 3,085 SH   SOLE 0 0 0 3,085
ISHARES TR CORE US AGGBD ET 464287226   1,968,163 20,929 SH   SOLE 0 0 0 20,929
ISHARES TR RUS 2000 GRW ETF 464287648   511,062 2,280 SH   SOLE 0 0 0 2,280
ISHARES TR CORE S&P MCP ETF 464287507   2,856,803 11,457 SH   SOLE 0 0 0 11,457
ISHARES TR CORE S&P SCP ETF 464287804   1,327,317 14,071 SH   SOLE 0 0 0 14,071
ISHARES TR CORE S&P500 ETF 464287200   1,507,299 3,510 SH   SOLE 0 0 0 3,510
ISHARES TR RUSSELL 2000 ETF 464287655   228,348 1,292 SH   SOLE 0 0 0 1,292
ISHARES TR 7-10 YR TRSY BD 464287440   729,903 7,969 SH   SOLE 0 0 0 7,969
ISHARES TR MSCI EAFE ETF 464287465   344,600 5,000 SH   SOLE 0 0 0 5,000
ISHARES TR CORE DIV GRWTH 46434V621   230,958 4,663 SH   SOLE 0 0 0 4,663
ISHARES TR CORE MSCI EAFE 46432F842   1,891,504 29,394 SH   SOLE 0 0 0 29,394
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   494,410 9,800 SH   SOLE 0 0 0 9,800
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   6,412,000 127,780 SH   SOLE 0 0 0 127,780
JOHNSON & JOHNSON COM 478160104   1,491,306 9,575 SH   SOLE 0 0 0 9,575
JPMORGAN CHASE & CO COM 46625H100   2,987,267 20,599 SH   SOLE 0 0 0 20,599
KNIFE RIVER CORP COMMON STOCK 498894104   249,912 5,118 SH   SOLE 0 0 0 5,118
L3HARRIS TECHNOLOGIES INC COM 502431109   310,804 1,785 SH   SOLE 0 0 0 1,785
LINDE PLC SHS G54950103   244,262 656 SH   SOLE 0 0 0 656
LOCKHEED MARTIN CORP COM 539830109   1,446,900 3,538 SH   SOLE 0 0 0 3,538
LOWES COS INC COM 548661107   610,218 2,936 SH   SOLE 0 0 0 2,936
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   1,094,637 11,559 SH   SOLE 0 0 0 11,559
MASTERCARD INCORPORATED CL A 57636Q104   1,247,117 3,150 SH   SOLE 0 0 0 3,150
MCDONALDS CORP COM 580135101   927,836 3,522 SH   SOLE 0 0 0 3,522
MCKESSON CORP COM 58155Q103   640,099 1,472 SH   SOLE 0 0 0 1,472
MDU RES GROUP INC COM 552690109   401,116 20,486 SH   SOLE 0 0 0 20,486
MERCK & CO INC COM 58933Y105   1,382,001 13,424 SH   SOLE 0 0 0 13,424
MICROSOFT CORP COM 594918104   5,100,310 16,153 SH   SOLE 0 0 0 16,153
MOLSON COORS BEVERAGE CO CL B 60871R209   1,007,584 15,845 SH   SOLE 0 0 0 15,845
NETAPP INC COM 64110D104   519,474 6,846 SH   SOLE 0 0 0 6,846
NEWELL BRANDS INC COM 651229106   475,727 52,683 SH   SOLE 0 0 0 52,683
NIKE INC CL B 654106103   204,818 2,142 SH   SOLE 0 0 0 2,142
NORTHROP GRUMMAN CORP COM 666807102   880,380 2,000 SH   SOLE 0 0 0 2,000
NOVARTIS AG SPONSORED ADR 66987V109   541,793 5,319 SH   SOLE 0 0 0 5,319
NOVO-NORDISK A S ADR 670100205   1,962,121 21,576 SH   SOLE 0 0 0 21,576
NUCOR CORP COM 670346105   1,060,209 6,781 SH   SOLE 0 0 0 6,781
ORACLE CORP COM 68389X105   348,159 3,287 SH   SOLE 0 0 0 3,287
PACKAGING CORP AMER COM 695156109   310,325 2,021 SH   SOLE 0 0 0 2,021
PAYCHEX INC COM 704326107   661,533 5,736 SH   SOLE 0 0 0 5,736
PEPSICO INC COM 713448108   986,988 5,825 SH   SOLE 0 0 0 5,825
PFIZER INC COM 717081103   837,310 25,243 SH   SOLE 0 0 0 25,243
PNC FINL SVCS GROUP INC COM 693475105   409,806 3,338 SH   SOLE 0 0 0 3,338
PPL CORP COM 69351T106   368,620 15,646 SH   SOLE 0 0 0 15,646
PROCTER AND GAMBLE CO COM 742718109   1,070,321 7,338 SH   SOLE 0 0 0 7,338
PROSHARES TR II VIX SH TRM FUTRS 74347Y789   251,640 10,800 SH   SOLE 0 0 0 10,800
PRUDENTIAL FINL INC COM 744320102   535,844 5,647 SH   SOLE 0 0 0 5,647
PUTNAM PREMIER INCOME TR SH BEN INT 746853100   58,324 17,410 SH   SOLE 0 0 0 17,410
QUALCOMM INC COM 747525103   386,600 3,481 SH   SOLE 0 0 0 3,481
RTX CORPORATION COM 75513E101   343,513 4,773 SH   SOLE 0 0 0 4,773
SCHLUMBERGER LTD COM STK 806857108   220,141 3,776 SH   SOLE 0 0 0 3,776
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   209,882 3,256 SH   SOLE 0 0 0 3,256
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,738,380 98,943 SH   SOLE 0 0 0 98,943
SCHWAB STRATEGIC TR US REIT ETF 808524847   727,732 40,999 SH   SOLE 0 0 0 40,999
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   866,545 33,049 SH   SOLE 0 0 0 33,049
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   263,932 4,002 SH   SOLE 0 0 0 4,002
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,297,097 14,350 SH   SOLE 0 0 0 14,350
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,550,942 9,461 SH   SOLE 0 0 0 9,461
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   206,430 3,000 SH   SOLE 0 0 0 3,000
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   751,938 4,671 SH   SOLE 0 0 0 4,671
SMUCKER J M CO COM NEW 832696405   602,259 4,900 SH   SOLE 0 0 0 4,900
SPDR GOLD TR GOLD SHS 78463V107   209,340 1,221 SH   SOLE 0 0 0 1,221
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   233,970 7,545 SH   SOLE 0 0 0 7,545
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,717,063 6,356 SH   SOLE 0 0 0 6,356
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   977,210 2,140 SH   SOLE 0 0 0 2,140
SPDR SER TR PORTFOLIO AGRGTE 78464A649   203,239 8,350 SH   SOLE 0 0 0 8,350
SPDR SER TR PORTFOLIO INTRMD 78464A375   739,390 23,510 SH   SOLE 0 0 0 23,510
SPROTT PHYSICAL GOLD TR UNIT 85207H104   166,298 11,613 SH   SOLE 0 0 0 11,613
STARBUCKS CORP COM 855244109   434,263 4,758 SH   SOLE 0 0 0 4,758
STRYKER CORPORATION COM 863667101   246,216 901 SH   SOLE 0 0 0 901
SYNOPSYS INC COM 871607107   803,198 1,750 SH   SOLE 0 0 0 1,750
T-MOBILE US INC COM 872590104   553,057 3,949 SH   SOLE 0 0 0 3,949
TARGET CORP COM 87612E106   204,002 1,845 SH   SOLE 0 0 0 1,845
THE REAL BROKERAGE INC COM NEW 75585H206   17,980 12,400 SH   SOLE 0 0 0 12,400
THERMO FISHER SCIENTIFIC INC COM 883556102   1,244,672 2,459 SH   SOLE 0 0 0 2,459
TJX COS INC NEW COM 872540109   885,689 9,965 SH   SOLE 0 0 0 9,965
TRAVELERS COMPANIES INC COM 89417E109   670,714 4,107 SH   SOLE 0 0 0 4,107
TYSON FOODS INC CL A 902494103   573,112 11,351 SH   SOLE 0 0 0 11,351
UNION PAC CORP COM 907818108   430,677 2,115 SH   SOLE 0 0 0 2,115
UNITED PARCEL SERVICE INC CL B 911312106   320,625 2,057 SH   SOLE 0 0 0 2,057
UNITEDHEALTH GROUP INC COM 91324P102   450,242 893 SH   SOLE 0 0 0 893
US BANCORP DEL COM NEW 902973304   336,055 10,165 SH   SOLE 0 0 0 10,165
VALERO ENERGY CORP COM 91913Y100   474,303 3,347 SH   SOLE 0 0 0 3,347
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,314,020 44,087 SH   SOLE 0 0 0 44,087
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,012,340 14,000 SH   SOLE 0 0 0 14,000
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,792,350 36,594 SH   SOLE 0 0 0 36,594
VANGUARD INDEX FDS VALUE ETF 922908744   1,635,850 11,860 SH   SOLE 0 0 0 11,860
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,037,647 19,046 SH   SOLE 0 0 0 19,046
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   332,450 4,394 SH   SOLE 0 0 0 4,394
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,712,237 8,061 SH   SOLE 0 0 0 8,061
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,128,740 28,787 SH   SOLE 0 0 0 28,787
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   613,103 11,820 SH   SOLE 0 0 0 11,820
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   474,267 6,242 SH   SOLE 0 0 0 6,242
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   3,693,262 64,624 SH   SOLE 0 0 0 64,624
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,032,904 40,358 SH   SOLE 0 0 0 40,358
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,411,679 21,957 SH   SOLE 0 0 0 21,957
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   493,992 11,299 SH   SOLE 0 0 0 11,299
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,246,177 21,740 SH   SOLE 0 0 0 21,740
VANGUARD WORLD FDS INF TECH ETF 92204A702   989,537 2,385 SH   SOLE 0 0 0 2,385
VERIZON COMMUNICATIONS INC COM 92343V104   1,070,502 33,030 SH   SOLE 0 0 0 33,030
VERTEX PHARMACEUTICALS INC COM 92532F100   289,667 833 SH   SOLE 0 0 0 833
VIATRIS INC COM 92556V106   235,516 23,886 SH   SOLE 0 0 0 23,886
VIRTU FINL INC CL A 928254101   332,983 19,281 SH   SOLE 0 0 0 19,281
VISA INC COM CL A 92826C839   760,643 3,307 SH   SOLE 0 0 0 3,307
WALGREENS BOOTS ALLIANCE INC COM 931427108   694,844 31,243 SH   SOLE 0 0 0 31,243
WALMART INC COM 931142103   242,614 1,517 SH   SOLE 0 0 0 1,517
WASTE MGMT INC DEL COM 94106L109   442,381 2,902 SH   SOLE 0 0 0 2,902
XYLEM INC COM 98419M100   442,952 4,866 SH   SOLE 0 0 0 4,866
ZOETIS INC CL A 98978V103   879,469 5,055 SH   SOLE 0 0 0 5,055