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
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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
ABBOTT LABS COM 002824100   3,687,274 32,441 SH   SOLE   0 0 32,441
ABBVIE INC COM 00287Y109   3,271,179 17,964 SH   SOLE   0 0 17,964
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   4,111,261 11,861 SH   SOLE   0 0 11,861
ADOBE INC COM 00724F101   2,409,465 4,775 SH   SOLE   0 0 4,775
AFLAC INC COM 001055102   580,071 6,756 SH   SOLE   0 0 6,756
AIR PRODS & CHEMS INC COM 009158106   2,555,707 10,549 SH   SOLE   0 0 10,549
ALPHABET INC CAP STK CL A 02079K305   8,262,814 54,746 SH   SOLE   0 0 54,746
ALPHABET INC CAP STK CL C 02079K107   610,868 4,012 SH   SOLE   0 0 4,012
AMAZON COM INC COM 023135106   1,244,262 6,898 SH   SOLE   0 0 6,898
AMGEN INC COM 031162100   3,762,893 13,235 SH   SOLE   0 0 13,235
APPLE INC COM 037833100   14,105,343 82,256 SH   SOLE   0 0 82,256
AUTOMATIC DATA PROCESSING IN COM 053015103   3,595,233 14,396 SH   SOLE   0 0 14,396
BECTON DICKINSON & CO COM 075887109   257,348 1,040 SH   SOLE   0 0 1,040
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   5,432,698 12,919 SH   SOLE   0 0 12,919
BORGWARNER INC COM 099724106   3,062,313 88,149 SH   SOLE   0 0 88,149
BROADCOM INC COM 11135F101   8,021,294 6,052 SH   SOLE   0 0 6,052
CATERPILLAR INC COM 149123101   344,811 941 SH   SOLE   0 0 941
CHEVRON CORP NEW COM 166764100   652,441 4,136 SH   SOLE   0 0 4,136
CINCINNATI FINL CORP COM 172062101   567,582 4,571 SH   SOLE   0 0 4,571
CINTAS CORP COM 172908105   395,043 575 SH   SOLE   0 0 575
CISCO SYS INC COM 17275R102   394,013 7,894 SH   SOLE   0 0 7,894
CITIZENS FINL GROUP INC COM 174610105   2,806,049 77,323 SH   SOLE   0 0 77,323
COCA COLA CO COM 191216100   319,990 5,230 SH   SOLE   0 0 5,230
COMCAST CORP NEW CL A 20030N101   3,802,006 87,705 SH   SOLE   0 0 87,705
COSTCO WHSL CORP NEW COM 22160K105   544,345 743 SH   SOLE   0 0 743
CROWN CASTLE INC COM 22822V101   3,298,091 31,164 SH   SOLE   0 0 31,164
CVS HEALTH CORP COM 126650100   3,116,608 39,075 SH   SOLE   0 0 39,075
DEERE & CO COM 244199105   232,479 566 SH   SOLE   0 0 566
DIAGEO PLC SPON ADR NEW 25243Q205   2,436,166 16,379 SH   SOLE   0 0 16,379
DISNEY WALT CO COM 254687106   511,595 4,181 SH   SOLE   0 0 4,181
DUKE ENERGY CORP NEW COM NEW 26441C204   203,478 2,104 SH   SOLE   0 0 2,104
EATON CORP PLC SHS G29183103   273,595 875 SH   SOLE   0 0 875
ELI LILLY & CO COM 532457108   583,470 750 SH   SOLE   0 0 750
EOG RES INC COM 26875P101   2,674,655 20,922 SH   SOLE   0 0 20,922
EXXON MOBIL CORP COM 30231G102   767,766 6,605 SH   SOLE   0 0 6,605
FISERV INC COM 337738108   4,544,163 28,433 SH   SOLE   0 0 28,433
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   449,408 4,330 SH   SOLE   0 0 4,330
GOLDMAN SACHS GROUP INC COM 38141G104   201,745 483 SH   SOLE   0 0 483
HARTFORD FINL SVCS GROUP INC COM 416515104   357,893 3,473 SH   SOLE   0 0 3,473
HERSHEY CO COM 427866108   323,648 1,664 SH   SOLE   0 0 1,664
HILLENBRAND INC COM 431571108   1,090,589 21,686 SH   SOLE   0 0 21,686
HOME DEPOT INC COM 437076102   4,845,520 12,632 SH   SOLE   0 0 12,632
HONEYWELL INTL INC COM 438516106   340,921 1,661 SH   SOLE   0 0 1,661
ILLINOIS TOOL WKS INC COM 452308109   4,238,439 15,796 SH   SOLE   0 0 15,796
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C540   755,233 20,636 SH   SOLE   0 0 20,636
INTEL CORP COM 458140100   215,550 4,880 SH   SOLE   0 0 4,880
INVESCO QQQ TR UNIT SER 1 46090E103   277,507 625 SH   SOLE   0 0 625
ISHARES GOLD TR ISHARES NEW 464285204   633,721 15,085 SH   SOLE   0 0 15,085
ISHARES INC MSCI EMRG CHN 46434G764   639,891 11,115 SH   SOLE   0 0 11,115
ISHARES TR CORE S&P MCP ETF 464287507   21,789,913 358,741 SH   SOLE   0 0 358,741
ISHARES TR CORE S&P500 ETF 464287200   1,376,929 2,619 SH   SOLE   0 0 2,619
ISHARES TR CORE S&P SCP ETF 464287804   640,574 5,796 SH   SOLE   0 0 5,796
ISHARES TR MSCI EAFE ETF 464287465   437,234 5,475 SH   SOLE   0 0 5,475
ISHARES TR NATIONAL MUN ETF 464288414   430,526 4,001 SH   SOLE   0 0 4,001
ISHARES TR MSCI USA QLT FCT 46432F339   425,996 2,592 SH   SOLE   0 0 2,592
ISHARES TR RUSSELL 2000 ETF 464287655   264,348 1,257 SH   SOLE   0 0 1,257
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   873,312 17,310 SH   SOLE   0 0 17,310
JOHNSON & JOHNSON COM 478160104   2,894,736 18,299 SH   SOLE   0 0 18,299
JPMORGAN CHASE & CO COM 46625H100   7,043,697 35,166 SH   SOLE   0 0 35,166
KEURIG DR PEPPER INC COM 49271V100   2,130,773 69,474 SH   SOLE   0 0 69,474
KNIFE RIVER CORP COMMON STOCK 498894104   202,700 2,500 SH   SOLE   0 0 2,500
LOWES COS INC COM 548661107   621,287 2,439 SH   SOLE   0 0 2,439
MASTERCARD INCORPORATED CL A 57636Q104   355,881 739 SH   SOLE   0 0 739
MCDONALDS CORP COM 580135101   214,298 760 SH   SOLE   0 0 760
MDU RES GROUP INC COM 552690109   252,000 10,000 SH   SOLE   0 0 10,000
MERCK & CO INC COM 58933Y105   5,337,880 40,454 SH   SOLE   0 0 40,454
MICROSOFT CORP COM 594918104   15,854,609 37,684 SH   SOLE   0 0 37,684
NETFLIX INC COM 64110L106   400,838 660 SH   SOLE   0 0 660
NEXTERA ENERGY INC COM 65339F101   3,005,417 47,026 SH   SOLE   0 0 47,026
NORFOLK SOUTHN CORP COM 655844108   498,271 1,955 SH   SOLE   0 0 1,955
NORTHROP GRUMMAN CORP COM 666807102   3,220,490 6,728 SH   SOLE   0 0 6,728
OAKTREE SPECIALTY LENDING CO COM 67401P405   231,143 11,757 SH   SOLE   0 0 11,757
PALO ALTO NETWORKS INC COM 697435105   1,840,311 6,477 SH   SOLE   0 0 6,477
PAYPAL HLDGS INC COM 70450Y103   2,045,674 30,537 SH   SOLE   0 0 30,537
PEPSICO INC COM 713448108   793,045 4,531 SH   SOLE   0 0 4,531
PFIZER INC COM 717081103   200,043 7,209 SH   SOLE   0 0 7,209
PRICE T ROWE GROUP INC COM 74144T108   2,359,764 19,355 SH   SOLE   0 0 19,355
PROCTER AND GAMBLE CO COM 742718109   4,534,735 27,949 SH   SOLE   0 0 27,949
QUALCOMM INC COM 747525103   6,092,924 35,989 SH   SOLE   0 0 35,989
RTX CORPORATION COM 75513E101   281,179 2,883 SH   SOLE   0 0 2,883
SCHWAB CHARLES CORP COM 808513105   3,102,145 42,883 SH   SOLE   0 0 42,883
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   9,077,815 148,695 SH   SOLE   0 0 148,695
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   6,915,345 121,258 SH   SOLE   0 0 121,258
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,734,491 44,451 SH   SOLE   0 0 44,451
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,648,109 46,037 SH   SOLE   0 0 46,037
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   393,421 15,581 SH   SOLE   0 0 15,581
SHELL PLC SPON ADS 780259305   2,627,897 39,199 SH   SOLE   0 0 39,199
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,506,621 6,704 SH   SOLE   0 0 6,704
STARBUCKS CORP COM 855244109   279,743 3,061 SH   SOLE   0 0 3,061
TARGET CORP COM 87612E106   2,895,313 16,338 SH   SOLE   0 0 16,338
THE CIGNA GROUP COM 125523100   553,502 1,524 SH   SOLE   0 0 1,524
THERMO FISHER SCIENTIFIC INC COM 883556102   4,144,092 7,130 SH   SOLE   0 0 7,130
THOMSON REUTERS CORP. COM 884903808   313,375 2,011 SH   SOLE   0 0 2,011
TJX COS INC NEW COM 872540109   4,356,260 42,953 SH   SOLE   0 0 42,953
TRANE TECHNOLOGIES PLC SHS G8994E103   5,702,141 18,994 SH   SOLE   0 0 18,994
TRANSDIGM GROUP INC COM 893641100   246,320 200 SH   SOLE   0 0 200
UNION PAC CORP COM 907818108   270,032 1,098 SH   SOLE   0 0 1,098
UNITED PARCEL SERVICE INC CL B 911312106   3,410,510 22,946 SH   SOLE   0 0 22,946
UNITEDHEALTH GROUP INC COM 91324P102   522,404 1,056 SH   SOLE   0 0 1,056
US BANCORP DEL COM NEW 902973304   1,335,592 29,879 SH   SOLE   0 0 29,879
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,207,856 4,593 SH   SOLE   0 0 4,593
VANGUARD INDEX FDS GROWTH ETF 922908736   402,287 1,169 SH   SOLE   0 0 1,169
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   276,564 3,198 SH   SOLE   0 0 3,198
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,619,490 20,948 SH   SOLE   0 0 20,948
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   427,106 5,305 SH   SOLE   0 0 5,305
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   285,545 5,692 SH   SOLE   0 0 5,692
VERIZON COMMUNICATIONS INC COM 92343V104   3,784,809 90,200 SH   SOLE   0 0 90,200
VICTORY PORTFOLIOS II CORE INTERMEDIAT 92647N527   9,203,694 198,441 SH   SOLE   0 0 198,441
VISA INC COM CL A 92826C839   3,142,030 11,259 SH   SOLE   0 0 11,259
WALMART INC COM 931142103   4,764,479 79,184 SH   SOLE   0 0 79,184
WASTE MGMT INC DEL COM 94106L109   437,811 2,054 SH   SOLE   0 0 2,054
WILLIAMS COS INC COM 969457100   5,666,291 145,401 SH   SOLE   0 0 145,401
WP CAREY INC COM 92936U109   1,287,308 22,808 SH   SOLE   0 0 22,808
ZIMMER BIOMET HOLDINGS INC COM 98956P102   273,859 2,075 SH   SOLE   0 0 2,075