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
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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
ALERUS FINL CORP COM 01446U103   967,368 50,279 SH   SOLE   50,279 0 0
APPLE INC COM 037833100   3,096,193 12,364 SH   SOLE   12,364 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,198,926 2,645 SH   SOLE   2,645 0 0
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   2,255,320 20,126 SH   SOLE   20,126 0 0
DEVON ENERGY CORP NEW COM 25179M103   225,968 6,904 SH   SOLE   6,904 0 0
DRAFTKINGS INC NEW COM CL A 26142V105   271,262 7,292 SH   SOLE   7,292 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   20,490,243 116,933 SH   SOLE   116,933 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867   6,060,386 105,729 SH   SOLE   105,729 0 0
ISHARES TR IBOXX HI YD ETF 464288513   5,314,155 67,567 SH   SOLE   67,567 0 0
ISHARES TR S&P 100 ETF 464287101   17,678,465 61,203 SH   SOLE   61,203 0 0
ISHARES TR TIPS BD ETF 464287176   10,879,172 102,104 SH   SOLE   102,104 0 0
ISHARES TR MODERT ALLOC ETF 464289875   386,355 8,894 SH   SOLE   8,894 0 0
ISHARES TR AGGRES ALLOC ETF 464289859   2,121,714 27,695 SH   SOLE   27,695 0 0
ISHARES TR CONSER ALLOC ETF 464289883   608,065 16,302 SH   SOLE   16,302 0 0
ISHARES TR CORE 1 5 YR USD 46432F859   240,856 5,042 SH   SOLE   5,042 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   301,689 7,214 SH   SOLE   7,214 0 0
ISHARES TR U.S. FIN SVC ETF 464287770   246,269 3,165 SH   SOLE   3,165 0 0
MICROSOFT CORP COM 594918104   911,283 2,162 SH   SOLE   2,162 0 0
OTTER TAIL CORP COM 689648103   312,934 4,238 SH   SOLE   4,238 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   5,509,340 189,650 SH   SOLE   189,650 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   11,772,333 497,142 SH   SOLE   497,142 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   18,527,878 623,834 SH   SOLE   623,834 0 0
SPDR SER TR S&P REGL BKG 78464A698   429,511 7,117 SH   SOLE   7,117 0 0
TARGET CORP COM 87612E106   416,895 3,084 SH   SOLE   3,084 0 0
UNITEDHEALTH GROUP INC COM 91324P102   511,930 1,012 SH   SOLE   1,012 0 0
US BANCORP DEL COM NEW 902973304   1,720,302 35,967 SH   SOLE   35,967 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   10,626,556 137,525 SH   SOLE   137,525 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   591,823 2,042 SH   SOLE   2,042 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   774,270 1,437 SH   SOLE   1,437 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   17,277,540 361,304 SH   SOLE   361,304 0 0