ALERUS FINL CORP COM 01446U103 1192115 50279 SH SOLE 50279 0 0 ALPHABET INC CAP STK CL C 02079K107 307227 1071 SH SOLE 1071 0 0 AMAZON COM INC COM 023135106 275749 1324 SH SOLE 1324 0 0 APPLE INC COM 037833100 3367286 13268 SH SOLE 13268 0 0 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1164935 2431 SH SOLE 2431 0 0 BNY MELLON ETF TRUST US LRG CP CORE 09661T107 4368562 35002 SH SOLE 35002 0 0 BNY MELLON ETF TRUST CORE BOND ETF 09661T602 8772488 207879 SH SOLE 207879 0 0 BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404 6543444 70036 SH SOLE 70036 0 0 DEVON ENERGY CORP NEW COM 25179M103 346705 6890 SH SOLE 6890 0 0 DRAFTKINGS INC NEW COM CL A 26142V105 200007 9251 SH SOLE 9251 0 0 EXXON MOBIL CORP COM 30231G102 214959 1267 SH SOLE 1267 0 0 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 19134160 99699 SH SOLE 99699 0 0 ISHARES TR CORE 60/40 BALAN 464289867 5515853 85716 SH SOLE 85716 0 0 ISHARES TR ISHS 1-5YR INVS 464288646 10840509 206250 SH SOLE 206250 0 0 ISHARES TR MORNINGSTR US EQ 464287127 8973157 99857 SH SOLE 99857 0 0 ISHARES TR TIPS BD ETF 464287176 10277927 93131 SH SOLE 93131 0 0 ISHARES TR S&P 100 ETF 464287101 19008291 59761 SH SOLE 59761 0 0 ISHARES TR CORE 40/60 MODER 464289875 585020 12350 SH SOLE 12350 0 0 ISHARES TR CORE 80/20 AGGRE 464289859 2464889 27855 SH SOLE 27855 0 0 ISHARES TR CORE 30/70 CONSE 464289883 608961 15266 SH SOLE 15266 0 0 ISHARES TR CORE 1 5 YR USD 46432F859 244335 5042 SH SOLE 5042 0 0 ISHARES TR IBOXX HI YD ETF 464288513 216085 2716 SH SOLE 2716 0 0 ISHARES TR MSCI EMG MKT ETF 464287234 396849 6988 SH SOLE 6988 0 0 ISHARES TR CORE MSCI EAFE 46432F842 255838 2826 SH SOLE 2826 0 0 ISHARES TR U.S. FIN SVC ETF 464287770 262189 3165 SH SOLE 3165 0 0 META PLATFORMS INC CL A 30303M102 283776 496 SH SOLE 496 0 0 MICROSOFT CORP COM 594918104 1204163 3253 SH SOLE 3253 0 0 NVIDIA CORPORATION COM 67066G104 504365 2892 SH SOLE 2892 0 0 OTTER TAIL CORP COM 689648103 371969 4238 SH SOLE 4238 0 0 SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 6744839 176290 SH SOLE 176290 0 0 SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 15650281 561949 SH SOLE 561949 0 0 SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 19205269 592207 SH SOLE 592207 0 0 SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 345201 7055 SH SOLE 7055 0 0 SPDR SERIES TRUST STATE STREET SPD 78468R606 5445533 233513 SH SOLE 233513 0 0 SPDR SERIES TRUST STATE STREET SPD 78464A698 353048 5419 SH SOLE 5419 0 0 TARGET CORP COM 87612E106 419231 3459 SH SOLE 3459 0 0 TESLA INC COM 88160R101 243868 656 SH SOLE 656 0 0 UNITEDHEALTH GROUP INC COM 91324P102 277355 1025 SH SOLE 1025 0 0 US BANCORP COM NEW 902973304 1870540 35965 SH SOLE 35965 0 0 VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 705768 9001 SH SOLE 9001 0 0 VANGUARD INDEX FDS TOTAL STK MKT 922908769 313111 976 SH SOLE 976 0 0 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 858679 1437 SH SOLE 1437 0 0 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 16888747 263557 SH SOLE 263557 0 0