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
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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   1,113,177 50,279 SH   SOLE   50,279 0 0
AMAZON COM INC COM 023135106   224,401 1,022 SH   SOLE   1,022 0 0
APPLE INC COM 037833100   3,343,292 13,130 SH   SOLE   13,130 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,201,549 2,390 SH   SOLE   2,390 0 0
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   4,544,918 35,402 SH   SOLE   35,402 0 0
BNY MELLON ETF TRUST CORE BOND ETF 09661T602   8,517,815 199,949 SH   SOLE   199,949 0 0
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404   6,157,727 68,763 SH   SOLE   68,763 0 0
DEVON ENERGY CORP NEW COM 25179M103   258,042 7,360 SH   SOLE   7,360 0 0
DRAFTKINGS INC NEW COM CL A 26142V105   272,721 7,292 SH   SOLE   7,292 0 0
GE AEROSPACE COM NEW 369604301   222,607 740 SH   SOLE   740 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   19,036,049 100,348 SH   SOLE   100,348 0 0
ISHARES TR CORE 60/40 BALAN 464289867   5,649,079 87,746 SH   SOLE   87,746 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   10,696,144 201,700 SH   SOLE   201,700 0 0
ISHARES TR MORNINGSTR US EQ 464287127   8,974,693 97,108 SH   SOLE   97,108 0 0
ISHARES TR S&P 100 ETF 464287101   19,769,670 59,397 SH   SOLE   59,397 0 0
ISHARES TR TIPS BD ETF 464287176   10,164,556 91,391 SH   SOLE   91,391 0 0
ISHARES TR CORE 40/60 MODER 464289875   426,555 8,965 SH   SOLE   8,965 0 0
ISHARES TR CORE 80/20 AGGRE 464289859   2,225,711 25,252 SH   SOLE   25,252 0 0
ISHARES TR CORE 30/70 CONSE 464289883   674,126 16,786 SH   SOLE   16,786 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   207,638 1,720 SH   SOLE   1,720 0 0
ISHARES TR CORE 1 5 YR USD 46432F859   246,251 5,042 SH   SOLE   5,042 0 0
ISHARES TR IBOXX HI YD ETF 464288513   220,512 2,716 SH   SOLE   2,716 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   385,228 7,214 SH   SOLE   7,214 0 0
ISHARES TR CORE MSCI EAFE 46432F842   246,738 2,826 SH   SOLE   2,826 0 0
ISHARES TR U.S. FIN SVC ETF 464287770   283,711 3,165 SH   SOLE   3,165 0 0
KORRO BIO INC COM 500946108   239,881 5,009 SH   SOLE   5,009 0 0
MICROSOFT CORP COM 594918104   1,269,495 2,451 SH   SOLE   2,451 0 0
NVIDIA CORPORATION COM 67066G104   377,078 2,021 SH   SOLE   2,021 0 0
OTTER TAIL CORP COM 689648103   347,389 4,238 SH   SOLE   4,238 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   6,319,631 174,769 SH   SOLE   174,769 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   14,367,938 546,309 SH   SOLE   546,309 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   18,102,506 580,953 SH   SOLE   580,953 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   224,681 5,230 SH   SOLE   5,230 0 0
SPDR SERIES TRUST PORTFLI HIGH YLD 78468R606   5,447,195 227,535 SH   SOLE   227,535 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698   450,506 7,117 SH   SOLE   7,117 0 0
TARGET CORP COM 87612E106   309,824 3,454 SH   SOLE   3,454 0 0
TESLA INC COM 88160R101   267,721 602 SH   SOLE   602 0 0
UNITEDHEALTH GROUP INC COM 91324P102   349,444 1,012 SH   SOLE   1,012 0 0
US BANCORP DEL COM NEW 902973304   1,738,188 35,965 SH   SOLE   35,965 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   718,318 9,103 SH   SOLE   9,103 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   316,028 963 SH   SOLE   963 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   879,990 1,437 SH   SOLE   1,437 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   15,442,049 257,711 SH   SOLE   257,711 0 0