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
ISHARES BROAD USD HG YLD CRP BND ETF BROAD USD HIGH 46435U853   335 9,706 SH   SOLE   9,706 0 0
VANECK SHORT HIGH YIELD MUNI ETF HIGH YLD MUN ETF 92189H409   326 6,458 SH   SOLE   6,458 0 0
MEDTRONIC PLC F SHS G5960L103   595 7,654 SH   SOLE   7,654 0 0
SPDR SSGA U S SECTOR ROTATION ETF SPDR SSGA US SCT 78470P408   239 6,136 SH   SOLE   6,136 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   735 17,701 SH   SOLE   17,701 0 0
POLYMET MNG CORP COM 731916409   121 45,842 SH   SOLE   45,842 0 0
BANK AMERICA CORP COM 060505104   214 6,473 SH   SOLE   6,473 0 0
ISHARES MSCI USA QUALITY FACTOR ETF USA QUALITY FCTR 46432F339   1,084 9,508 SH   SOLE   9,508 0 0
ISHARES MSCI USA MOMNTUM FCT ETF USA MOMENTUM FCT 46432F396   551 3,774 SH   SOLE   3,774 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF IV TECHNOLOGY 81369Y803   1,074 8,628 SH   SOLE   8,628 0 0
VANGUARD INDUSTRIALS ETF IV INDUSTRIAL ETF 92204A603   2,233 12,223 SH   SOLE   12,223 0 0
VANGUARD SMALL CAP GROWTH ETF IV SML CP GRW ETF 922908595   1,237 6,165 SH   SOLE   6,165 0 0
ISHARES US MEDICAL DEVICES ETF IV U.S. MED DVC ETF 464288810   1,197 22,760 SH   SOLE   22,760 0 0
ISHARES CORE CONSERVATIVE ALL ETF IV CONSER ALLOC ETF 464289883   278 8,273 SH   SOLE   8,273 0 0
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862   866 17,946 SH   SOLE   17,946 0 0
ISHS MSCI GLOBAL MIN VOL FCT ETF IV MSCI GBL MIN VOL 464286525   398 4,192 SH   SOLE   4,192 0 0
DIMENSIONAL ETF TR SHORT DURATION FX SHORT DURA CORE 25434V864   416 9,015 SH   SOLE   9,015 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   735 17,701 SH   SOLE   17,701 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   973 45,033 SH   SOLE   45,033 0 0
DIMENSIONAL ETF TR US CORE ETF US CORE EQT MKT 25434V104   1,068 39,531 SH   SOLE   39,531 0 0
DIMENSIONAL ETF TR INTL CORE ETF INTL CORE EQT MK 25434V203   679 27,101 SH   SOLE   27,101 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   381 17,355 SH   SOLE   17,355 0 0
DIMENSIONAL ETF TR U S CORE EQUITY 2 US CORE EQUITY 2 25434V708   2,470 101,744 SH   SOLE   101,744 0 0
ISHARES TR CORE S&P500 ETF 464287200   406 1,057 SH   SOLE   1,057 0 0
ISHARES CORE US AGGREGATE BOND ETF CORE US AGGBD ET 464287226   1,296 13,365 SH   SOLE   13,365 0 0
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835   421 5,858 SH   SOLE   5,858 0 0
CION INVESTMENT CORPORAT ION COM 17259U105   124 12,703 SH   SOLE   12,703 0 0
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655   2,430 13,935 SH   SOLE   13,935 0 0
ISHARES US AEROSPACE DEFENSE ETF IV US AER DEF ETF 464288760   2,522 22,543 SH   SOLE   22,543 0 0
BERKSHIRE HATHAWAY CLASS B COM 084670702   244 790 SH   SOLE   790 0 0
SPDR Bloomberg 1-10 Year TIPS ETF BOND ETF 922020805   964 52,276 SH   SOLE   52,276 0 0
SPDR Portfolio Intermediate Term Treasury ETF BOND ETF 78464A284   757 26,821 SH   SOLE   26,821 0 0
SPDR PORTFOLIO HIGH YIELD BND ETF IV PORTFLI HIGH YLD 78468R606   520 23,274 SH   SOLE   23,274 0 0
SPDR BLMBRG BRCLY EMG MKT LCL ETF IV BLOMBRG BRC EMRG 78464A391   792 38,520 SH   SOLE   38,520 0 0
SPDR LONG TERM TREASURY ETF IV PORTFOLIO LN TSR 78464A664   1,110 38,244 SH   SOLE   38,244 0 0
SPDR PORTFOLIO S&P 600 SML CP ETF IV PORTFOLIO S&P600 78468R853   1,458 39,439 SH   SOLE   39,439 0 0
SPDR PORTFOLIO S&P 400 MID CP ETF IV PORTFOLIO S&P400 78464A847   1,503 35,371 SH   SOLE   35,371 0 0
SPDR PORTFOLIO S&P 500 ETF IV PORTFOLIO S&P500 78464A854   12,581 279,693 SH   SOLE   279,693 0 0
SPDR INDEX SHARES EMERG MARKT ETF IV PORTFOLIO EMG MK 78463X509   3,260 98,901 SH   SOLE   98,901 0 0
SPDR PORTFOLIO DVLPD WRLD EX-US ETF PORTFOLIO DEVLPD 78463X889   6,364 214,349 SH   SOLE   214,349 0 0
SPDR AGGREGATE BOND ETF IV PORTFOLIO AGRGTE 78464A649   7,107 282,791 SH   SOLE   282,791 0 0
SPDR S&P DIVIDEND ETF IV Value ETF 78464A763   4,815 38,482 SH   SOLE   38,482 0 0
SPDR DOW JONE GLOBAL REAL EST ETF IV DJ GLB RL ES ETF 78463X749   618 15,122 SH   SOLE   15,122 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   891 60,297 SH   SOLE   60,297 0 0
SPDR S&P INTERNATIONAL SMALL ETF IV S&P INTL SMLCP 78463X871   974 33,101 SH   SOLE   33,101 0 0
FIDELITY MSCI FINANCIALS INDX ETF MSCI FINLS IDX 316092501   4,163 86,841 SH   SOLE   86,841 0 0
Lineage Cell Therapeutics, Inc. COM 53566P109   13 10,869 SH   SOLE   10,869 0 0
VERIZON COMMUNICATN COM 92343V104   243 6,174 SH   SOLE   6,174 0 0
DEERE & CO COM 244199105   222 516 SH   SOLE   516 0 0
ISHARES MSCI USA SMALL-CAP MIN VOL FACTOR ETF MSCI USA SMCP MN 46435G433   257 7,418 SH   SOLE   7,418 0 0
WISDOMTREE TR U.S HIGH DIVID FD (DE PORTFLI HIGH YLD 97717W208   222 2,573 SH   SOLE   2,573 0 0
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621   1,302 26,034 SH   SOLE   26,034 0 0
SPDR S&P 500 ETF TR UNIT 78462F103   2,382 6,227 SH   SOLE   6,227 0 0
ISHARES RUSSELL 1000 VALUE ETF IV RUS 1000 VAL ETF 464287598   361 2,379 SH   SOLE   2,379 0 0
FIRST TRUST TCW OPPORTUNISTIC FI ETF TCW OPPORTUNIS 33740F805   4,977 113,319 SH   SOLE   113,319 0 0
SELECT SECTOR UTI SELECT SPDR ETF SBI INT-UTILS 81369Y886   1,599 22,678 SH   SOLE   22,678 0 0
VANGUARD EXTENDED MARKET ETF IV EXTEND MKT ETF 922908652   919 6,914 SH   SOLE   6,914 0 0
VANGUARD SMALL CAP ETF IV SMALL CP ETF 922908751   1,449 7,895 SH   SOLE   7,895 0 0
WISDOMTREE FLOATING RATE TREASURY FU BOND ETF 97717Y527   570 11,334 SH   SOLE   11,334 0 0
PIMCO ENHNCD SHRT MATRTY ACTV ETF IV ENHAN SHRT MA AC 72201R833   6,175 62,591 SH   SOLE   62,591 0 0
Pacer Industrial Real Estate ETF BNCHMRK INDSTR 69374H766   358 9,732 SH   SOLE   9,732 0 0
WISDOMTREE TRUST GOLD SHS 97717Y683   467 25,612 SH   SOLE   25,612 0 0
iShares 0-5 Year TIPS Bond ETF BOND ETF 46429B747   3,684 37,990 SH   SOLE   37,990 0 0
SPDR BLACKSTONE SENIOR LOAN ETF IV BLACKSTONE SENR 78467V608   4,456 108,946 SH   SOLE   108,946 0 0
VANGUARD MEGA CAP GROWTH ETF IV MEGA GRWTH IND 921910816   6,956 40,424 SH   SOLE   40,424 0 0
JANUS DETROIT STR TR JANUS HENDERSON Floating Rate ETF 47103U845   3,830 77,746 SH   SOLE   77,746 0 0
ISHARES CORE S&P US VALUE ETF CORE S&P USVLU 464287663   7,276 103,012 SH   SOLE   103,012 0 0
ISHARES GLOBAL 100 ETF GLOBAL 100 ETF 464287572   4,822 75,284 SH   SOLE   75,284 0 0
iShares Core S&P Mid-Cap ETF GROWTH ETF 464287507   5,263 21,759 SH   SOLE   21,759 0 0
SPDR GOLD SHARES ETF GOLD SHS 78463V107   2,200 12,967 SH   SOLE   12,967 0 0
FIRST TRUST LRGE CAP CORE APADEX ETF COM SHS 33734K109   5,844 72,991 SH   SOLE   72,991 0 0
XTRCKRS MSCI EMRG MRKT HDGD EQY ETF XTRACK MSCI EMRG 233051101   2,409 112,457 SH   SOLE   112,457 0 0
FIRST TR EX-TD VIII FT CBOE VEST FUN Cboe Vest Fund of Buffer ETF 33740F755   2,691 121,174 SH   SOLE   121,174 0 0
AMERICAN CENTY ETF TR AVANTIS U S SM Small Cap Value ETF 025072877   4,263 57,208 SH   SOLE   57,208 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257   5,168 60,880 SH   SOLE   60,880 0 0
APPLE INC COM 037833100   582 4,480 SH   SOLE   4,480 0 0
ISHARES RUSSELL 1000 GROWTH ETF IV RUS 1000 GRW ETF 464287614   1,239 5,784 SH   SOLE   5,784 0 0
A T & T INC COM 00206R102   225 12,217 SH   SOLE   12,217 0 0
PROCTER AND GAMBLE CO COM 742718109   509 3,357 SH   SOLE   3,357 0 0
MICROSOFT CORP COM 594918104   564 2,350 SH   SOLE   2,350 0 0
WALT DISNEY CO COM 254687106   273 3,138 SH   SOLE   3,138 0 0
AMAZON.COM INC COM 023135106   272 3,242 SH   SOLE   3,242 0 0
INVESCO S & P MIDCAP VALUE WITH MOMENTUM ETF S&P MDCP VLU MNT 46137V456   1,470 33,385 SH   SOLE   33,385 0 0
SELECT SECTOR HEALTH CARE SPD ETF IV Health Care 81369Y209   731 5,380 SH   SOLE   5,380 0 0
ENERGY SELECT SECTOR SPDR ETF IV Industrial ETF 81369Y506   3,077 35,177 SH   SOLE   35,177 0 0
VANGUARD MID CAP ETF IV Growth ETF 922908629   1,388 6,810 SH   SOLE   6,810 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797   6,054 80,145 SH   SOLE   80,145 0 0
INVESCO QQQ TRUST Nasdaq 100 ETF 46090E103   9,139 34,320 SH   SOLE   34,320 0 0
VANGUARD MEGA CAP ETF IV MEGA CAP INDEX 921910873   1,054 7,959 SH   SOLE   7,959 0 0
ISHARES US FINANCIAL SER ETF FINANCIAL SER ETF 464287770   779 4,946 SH   SOLE   4,946 0 0
INVESCO RAFI STRTGC US SML CMP ETF SMALL CAP ETF 46138J734   579 17,447 SH   SOLE   17,447 0 0
ISHS MSCI INTL QUALITY FACT ETF INTL QLTY FACTOR 46434V456   3,454 106,624 SH   SOLE   106,624 0 0
Invesco Total Return Bond ETF TOTAL RETURN 46090A804   247 5,305 SH   SOLE   5,305 0 0
PACER US CASH COWS 100 ETF GROWTH ETF 69374H881   2,130 46,054 SH   SOLE   46,054 0 0
SPDR S&P KENSHO CLEAN POWER ETF IV S&P KENSHO CLEAN 78468R655   513 6,259 SH   SOLE   6,259 0 0
PACER US SMALL CAP CASH COWS 100 ETF SMALL CAP ETF 69374H857   576 16,021 SH   SOLE   16,021 0 0
XCEL ENERGY INC MINN COM 98389B100   277 3,951 SH   SOLE   3,951 0 0
SPDR PORTFOLIO S&P 500 HIGH DIVID ET PRTFLO S&P500 HI 78468R788   326 8,242 SH   SOLE   8,242 0 0
JP MORGAN EXCH-TRADED FD TR SHORT DU SHORT DURA CORE 46641Q274   500 10,950 SH   SOLE   10,950 0 0
JP MORGAN ULTRA SHORT MUN INCOME ETF ULTRA SHT MUNCPL 46641Q654   623 12,319 SH   SOLE   12,319 0 0
DIMENSIONAL ETF TR U S SMALL CAP ETF US SMALL CAP ETF 25434V500   760 14,858 SH   SOLE   14,858 0 0
ISHARES RUSSELL MID-CAP ETF RUS MID CAP ETF 464287499   809 11,991 SH   SOLE   11,991 0 0
AMERICAN CENTY ETF TR AVANTIS U S EQ US Equity ETF 025072885   811 11,928 SH   SOLE   11,928 0 0
ISHARES TR RUSSELL 2500 ETF RUSEL 2500 ETF 46435G268   927 17,450 SH   SOLE   17,450 0 0
Avantis US Large Cap Value ETF US Large Cap Value ETF 025072349   942 18,761 SH   SOLE   18,761 0 0
AMERICAN CENTY ETF TR International Equity ETF 025072703   952 17,897 SH   SOLE   17,897 0 0
ECOLAB INC COM 278865100   981 6,736 SH   SOLE   6,736 0 0
INVESCO EXCHANGE-TRADED FD TR INVESC S&P MDCP QUALITY 46137V472   1,288 18,653 SH   SOLE   18,653 0 0
3M CO COM 88579Y101   4,250 35,437 SH   SOLE   35,437 0 0
JPMORGAN ULTRA SHORT INCOME ETF ULTRA SHRT INC 46641Q837   4,691 93,569 SH   SOLE   93,569 0 0