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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
3M CO COM 88579Y101   938,289 6,389 SH   SOLE   0 0 6,389
ABBVIE INC COM 00287Y109   1,261,907 6,023 SH   SOLE   0 0 6,023
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   505,817 1,621 SH   SOLE   0 0 1,621
ADOBE INC COM 00724F101   344,410 898 SH   SOLE   0 0 898
ADVANCED MICRO DEVICES INC COM 007903107   468,392 4,559 SH   SOLE   0 0 4,559
ALPHABET INC CAP STK CL A 02079K305   1,285,913 8,316 SH   SOLE   0 0 8,316
ALPS ETF TR INTL SEC DV DOG 00162Q718   11,018,592 348,098 SH   SOLE   0 0 348,098
ALTRIA GROUP INC COM 02209S103   1,585,044 26,409 SH   SOLE   0 0 26,409
AMAZON COM INC COM 023135106   1,713,101 9,004 SH   SOLE   0 0 9,004
AMERICAN CENTY ETF TR US SML CP VALU 025072877   9,642,447 110,617 SH   SOLE   0 0 110,617
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   6,957,960 99,770 SH   SOLE   0 0 99,770
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   1,071,929 17,815 SH   SOLE   0 0 17,815
AMERICAN EXPRESS CO COM 025816109   483,797 1,798 SH   SOLE   0 0 1,798
AMERICAN TOWER CORP NEW COM 03027X100   220,533 1,013 SH   SOLE   0 0 1,013
AMGEN INC COM 031162100   1,438,897 4,619 SH   SOLE   0 0 4,619
APPLE INC COM 037833100   3,365,572 15,151 SH   SOLE   0 0 15,151
AT&T INC COM 00206R102   358,075 12,662 SH   SOLE   0 0 12,662
AUTOMATIC DATA PROCESSING IN COM 053015103   1,111,493 3,638 SH   SOLE   0 0 3,638
BANK AMERICA CORP COM 060505104   1,053,502 25,246 SH   SOLE   0 0 25,246
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,211,620 2,275 SH   SOLE   0 0 2,275
BLACKROCK INC COM 09290D101   1,805,115 1,907 SH   SOLE   0 0 1,907
BOOKING HOLDINGS INC COM 09857L108   720,740 156 SH   SOLE   0 0 156
BRISTOL-MYERS SQUIBB CO COM 110122108   261,859 4,293 SH   SOLE   0 0 4,293
BROADCOM INC COM 11135F101   4,156,615 24,826 SH   SOLE   0 0 24,826
CATERPILLAR INC COM 149123101   208,763 633 SH   SOLE   0 0 633
CHEVRON CORP NEW COM 166764100   2,213,783 13,233 SH   SOLE   0 0 13,233
CHIPOTLE MEXICAN GRILL INC COM 169656105   239,200 4,764 SH   SOLE   0 0 4,764
CISCO SYS INC COM 17275R102   1,488,531 24,121 SH   SOLE   0 0 24,121
COCA COLA CO COM 191216100   2,255,828 31,497 SH   SOLE   0 0 31,497
CONOCOPHILLIPS COM 20825C104   870,570 8,290 SH   SOLE   0 0 8,290
COSTCO WHSL CORP NEW COM 22160K105   1,169,334 1,236 SH   SOLE   0 0 1,236
CUMMINS INC COM 231021106   320,831 1,024 SH   SOLE   0 0 1,024
DEERE & CO COM 244199105   683,460 1,456 SH   SOLE   0 0 1,456
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   784,260 26,932 SH   SOLE   0 0 26,932
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   6,379,365 241,095 SH   SOLE   0 0 241,095
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   4,148,356 153,985 SH   SOLE   0 0 153,985
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   1,904,417 40,034 SH   SOLE   0 0 40,034
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   325,745 5,386 SH   SOLE   0 0 5,386
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   7,416,431 156,070 SH   SOLE   0 0 156,070
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   5,563,278 167,872 SH   SOLE   0 0 167,872
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,266,115 48,325 SH   SOLE   0 0 48,325
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   205,752 2,360 SH   SOLE   0 0 2,360
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532   6,299,240 324,035 SH   SOLE   0 0 324,035
ELI LILLY & CO COM 532457108   655,934 794 SH   SOLE   0 0 794
EOG RES INC COM 26875P101   1,139,481 8,886 SH   SOLE   0 0 8,886
EVERUS CONSTR GROUP COM 300426103   248,540 6,701 SH   SOLE   0 0 6,701
EXXON MOBIL CORP COM 30231G102   1,537,814 12,930 SH   SOLE   0 0 12,930
FASTENAL CO COM 311900104   755,989 9,748 SH   SOLE   0 0 9,748
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   6,465,639 128,230 SH   SOLE   0 0 128,230
GLOBAL X FDS S&P 500 COVERED 37954Y475   361,689 9,159 SH   SOLE   0 0 9,159
HOME DEPOT INC COM 437076102   2,409,495 6,575 SH   SOLE   0 0 6,575
ILLINOIS TOOL WKS INC COM 452308109   773,919 3,121 SH   SOLE   0 0 3,121
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107   296,572 1,791 SH   SOLE   0 0 1,791
INTERNATIONAL BUSINESS MACHS COM 459200101   2,229,707 8,967 SH   SOLE   0 0 8,967
INTUIT COM 461202103   337,522 550 SH   SOLE   0 0 550
INTUITIVE SURGICAL INC COM NEW 46120E602   510,623 1,031 SH   SOLE   0 0 1,031
ISHARES INC CORE MSCI EMKT 46434G103   3,044,718 56,415 SH   SOLE   0 0 56,415
ISHARES INC MSCI EMRG CHN 46434G764   593,743 10,778 SH   SOLE   0 0 10,778
ISHARES TR S&P 500 GRWT ETF 464287309   278,676 3,002 SH   SOLE   0 0 3,002
ISHARES TR RUS 1000 GRW ETF 464287614   2,300,143 6,370 SH   SOLE   0 0 6,370
ISHARES TR CORE MSCI INTL 46435G326   5,011,541 72,747 SH   SOLE   0 0 72,747
ISHARES TR RUS MD CP GR ETF 464287481   4,730,838 40,266 SH   SOLE   0 0 40,266
ISHARES TR EAFE VALUE ETF 464288877   6,566,165 111,404 SH   SOLE   0 0 111,404
ISHARES TR RUS 2000 GRW ETF 464287648   1,137,620 4,452 SH   SOLE   0 0 4,452
ISHARES TR CORE MSCI TOTAL 46432F834   688,885 9,868 SH   SOLE   0 0 9,868
ISHARES TR CORE S&P TTL STK 464287150   24,696,104 202,410 SH   SOLE   0 0 202,410
ISHARES TR RUS MDCP VAL ETF 464287473   4,236,623 33,632 SH   SOLE   0 0 33,632
ISHARES TR NATIONAL MUN ETF 464288414   2,621,449 24,862 SH   SOLE   0 0 24,862
ISHARES TR SHRT NAT MUN ETF 464288158   1,016,822 9,629 SH   SOLE   0 0 9,629
ISHARES TR INTL SEL DIV ETF 464288448   2,629,805 84,778 SH   SOLE   0 0 84,778
ISHARES TR MSCI USA QLT FCT 46432F339   278,551 1,630 SH   SOLE   0 0 1,630
ISHARES TR RUS 2000 VAL ETF 464287630   2,696,761 17,862 SH   SOLE   0 0 17,862
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   414,846 8,819 SH   SOLE   0 0 8,819
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   494,368 10,323 SH   SOLE   0 0 10,323
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   2,775,150 55,503 SH   SOLE   0 0 55,503
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   7,959,659 139,301 SH   SOLE   0 0 139,301
JOHNSON & JOHNSON COM 478160104   1,018,921 6,144 SH   SOLE   0 0 6,144
JPMORGAN CHASE & CO. COM 46625H100   2,784,964 11,353 SH   SOLE   0 0 11,353
KIMBERLY-CLARK CORP COM 494368103   844,154 5,936 SH   SOLE   0 0 5,936
KNIFE RIVER CORP COMMON STOCK 498894104   598,453 6,634 SH   SOLE   0 0 6,634
LAM RESEARCH CORP COM NEW 512807306   313,914 4,318 SH   SOLE   0 0 4,318
LINDE PLC SHS G54950103   533,050 1,145 SH   SOLE   0 0 1,145
LOCKHEED MARTIN CORP COM 539830109   1,151,661 2,578 SH   SOLE   0 0 2,578
MASTERCARD INCORPORATED CL A 57636Q104   455,361 831 SH   SOLE   0 0 831
MDU RES GROUP INC COM 552690109   453,858 26,840 SH   SOLE   0 0 26,840
MERCK & CO INC COM 58933Y105   1,597,985 17,803 SH   SOLE   0 0 17,803
META PLATFORMS INC CL A 30303M102   1,718,599 2,982 SH   SOLE   0 0 2,982
MICROSOFT CORP COM 594918104   2,496,349 6,650 SH   SOLE   0 0 6,650
NETFLIX INC COM 64110L106   994,077 1,066 SH   SOLE   0 0 1,066
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827   5,716,653 238,492 SH   SOLE   0 0 238,492
NVIDIA CORPORATION COM 67066G104   3,751,085 34,610 SH   SOLE   0 0 34,610
PEPSICO INC COM 713448108   1,667,618 11,122 SH   SOLE   0 0 11,122
PFIZER INC COM 717081103   1,430,402 56,448 SH   SOLE   0 0 56,448
PIMCO ETF TR INTER MUN BD ACT 72201R866   1,365,096 26,481 SH   SOLE   0 0 26,481
PROCTER AND GAMBLE CO COM 742718109   1,022,841 6,002 SH   SOLE   0 0 6,002
SALESFORCE INC COM 79466L302   541,584 2,018 SH   SOLE   0 0 2,018
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   27,553,509 1,100,380 SH   SOLE   0 0 1,100,380
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   15,377,382 777,421 SH   SOLE   0 0 777,421
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   28,821,835 1,030,824 SH   SOLE   0 0 1,030,824
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   8,385,796 362,081 SH   SOLE   0 0 362,081
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   42,227,615 1,588,699 SH   SOLE   0 0 1,588,699
SERVICENOW INC COM 81762P102   651,243 818 SH   SOLE   0 0 818
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   5,506,494 186,156 SH   SOLE   0 0 186,156
SPDR SER TR NUVEEN BLOOMBERG 78464A284   10,896,141 432,044 SH   SOLE   0 0 432,044
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,044,673 13,147 SH   SOLE   0 0 13,147
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,125,944 61,209 SH   SOLE   0 0 61,209
SPDR SER TR BLOOMBERG INVT 78468R200   958,348 31,095 SH   SOLE   0 0 31,095
SPDR SER TR S&P 600 SMCP GRW 78464A201   3,125,203 37,653 SH   SOLE   0 0 37,653
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,927,198 24,582 SH   SOLE   0 0 24,582
SPDR SER TR S&P 400 MDCP VAL 78464A839   1,522,390 19,758 SH   SOLE   0 0 19,758
SPDR SER TR PORTFOLIO LN TSR 78464A664   4,515,019 165,628 SH   SOLE   0 0 165,628
SYNOPSYS INC COM 871607107   244,445 570 SH   SOLE   0 0 570
TESLA INC COM 88160R101   1,087,954 4,198 SH   SOLE   0 0 4,198
TEXAS INSTRS INC COM 882508104   1,985,513 11,049 SH   SOLE   0 0 11,049
THERMO FISHER SCIENTIFIC INC COM 883556102   447,368 899 SH   SOLE   0 0 899
UNITED PARCEL SERVICE INC CL B 911312106   518,901 4,718 SH   SOLE   0 0 4,718
UNITEDHEALTH GROUP INC COM 91324P102   938,426 1,792 SH   SOLE   0 0 1,792
US BANCORP DEL COM NEW 902973304   1,152,593 27,300 SH   SOLE   0 0 27,300
VALERO ENERGY CORP COM 91913Y100   688,355 5,212 SH   SOLE   0 0 5,212
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   3,267,894 63,851 SH   SOLE   0 0 63,851
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   273,219 1,292 SH   SOLE   0 0 1,292
VANGUARD BD INDEX FDS INTERMED TERM 921937819   225,269 2,942 SH   SOLE   0 0 2,942
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,586,735 6,486 SH   SOLE   0 0 6,486
VANGUARD INDEX FDS SM CP VAL ETF 922908611   239,010 1,283 SH   SOLE   0 0 1,283
VANGUARD INDEX FDS TOTAL STK MKT 922908769   9,411,346 34,243 SH   SOLE   0 0 34,243
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,470,554 21,618 SH   SOLE   0 0 21,618
VANGUARD INDEX FDS GROWTH ETF 922908736   742,752 2,003 SH   SOLE   0 0 2,003
VANGUARD INDEX FDS SML CP GRW ETF 922908595   481,132 1,911 SH   SOLE   0 0 1,911
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,645,959 124,745 SH   SOLE   0 0 124,745
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   5,259,660 105,404 SH   SOLE   0 0 105,404
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   8,145,225 137,125 SH   SOLE   0 0 137,125
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,774,870 24,614 SH   SOLE   0 0 24,614
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,321,298 37,380 SH   SOLE   0 0 37,380
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   7,172,919 86,483 SH   SOLE   0 0 86,483
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   214,733 2,914 SH   SOLE   0 0 2,914
VERIZON COMMUNICATIONS INC COM 92343V104   2,208,860 48,696 SH   SOLE   0 0 48,696
VISA INC COM CL A 92826C839   1,373,346 3,919 SH   SOLE   0 0 3,919
WELLS FARGO CO NEW COM 949746101   339,973 4,736 SH   SOLE   0 0 4,736
WISDOMTREE TR US MIDCAP DIVID 97717W505   2,775,654 56,051 SH   SOLE   0 0 56,051