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
hours per response: 23.8
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   512,433 5,015 SH   DFND 5 0 0 5,015
ALPHABET INC CAP STK CL A 02079K305   623,682 3,424 SH   DFND 1,5 0 0 3,424
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   448,350 6,903 SH   DFND 2,3,4 0 0 6,903
APPLE INC COM 037833100   1,163,044 5,522 SH   DFND 1,3,5 0 0 5,522
AUTODESK INC COM 052769106   443,183 1,791 SH   DFND 5 0 0 1,791
BANK AMERICA CORP COM 060505104   522,618 13,141 SH   DFND 1,5 0 0 13,141
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   7,184,918 153,066 SH   DFND 3 0 0 153,066
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   1,982,399 37,977 SH   DFND 3 0 0 37,977
BLOCK H & R INC COM 093671105   340,065 6,234 SH   DFND 5 0 0 6,234
CADENCE DESIGN SYSTEM INC COM 127387108   272,666 886 SH   DFND 5 0 0 886
CLEVELAND-CLIFFS INC NEW COM 185899101   382,672 24,865 SH   DFND 5 0 0 24,865
CONSTELLATION ENERGY CORP COM 21037T109   512,090 2,557 SH   DFND 5 0 0 2,557
DELL TECHNOLOGIES INC CL C 24703L202   446,966 3,241 SH   DFND 5 0 0 3,241
DOLLAR GEN CORP NEW COM 256677105   447,334 3,383 SH   DFND 5 0 0 3,383
DUKE ENERGY CORP NEW COM NEW 26441C204   518,089 5,169 SH   DFND 5 0 0 5,169
DUPONT DE NEMOURS INC COM 26614N102   513,285 6,377 SH   DFND 5 0 0 6,377
EMERSON ELEC CO COM 291011104   412,770 3,747 SH   DFND 5 0 0 3,747
EOG RES INC COM 26875P101   425,944 3,384 SH   DFND 5 0 0 3,384
EQUINIX INC COM 29444U700   372,247 492 SH   DFND 5 0 0 492
ETF SER SOLUTIONS APTUS COLLRD INV 26922A222   2,008,388 53,372 SH   DFND 2 0 0 53,372
ETF SER SOLUTIONS APTUS DEFINED 26922A388   1,547,981 57,269 SH   DFND 2 0 0 57,269
ETF SER SOLUTIONS OPUS SML CP VL 26922A446   749,512 21,725 SH   DFND 2 0 0 21,725
ETF SER SOLUTIONS APTUS DRAWDOWN 26922A784   809,759 18,513 SH   DFND 2 0 0 18,513
ETF SER SOLUTIONS APTUS LARGE CAP 26922B535   1,163,395 38,320 SH   DFND 2 0 0 38,320
ETF SER SOLUTIONS APTUS ENHANCED 26922B642   1,026,162 44,365 SH   DFND 2 0 0 44,365
ETF SER SOLUTIONS APTUS INT ENH YL 26922B709   1,130,204 54,971 SH   DFND 2 0 0 54,971
FREEPORT-MCMORAN INC CL B 35671D857   462,478 9,516 SH   DFND 3,5 0 0 9,516
GE VERNOVA INC COM 36828A101   541,286 3,156 SH   DFND 5 0 0 3,156
GENERAC HLDGS INC COM 368736104   475,992 3,600 SH   DFND 5 0 0 3,600
GOLDMAN SACHS GROUP INC COM 38141G104   589,825 1,304 SH   DFND 5 0 0 1,304
GRACO INC COM 384109104   2,158,953 27,232 SH   SOLE   0 0 27,232
INTERNATIONAL BUSINESS MACHS COM 459200101   570,562 3,299 SH   DFND 5 0 0 3,299
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   589,439 30,668 SH   DFND 5 0 0 30,668
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   594,099 30,983 SH   DFND 5 0 0 30,983
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   1,200,129 58,686 SH   DFND 5 0 0 58,686
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   612,635 29,090 SH   DFND 5 0 0 29,090
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   429,921 2,617 SH   DFND 2 0 0 2,617
INVESCO QQQ TR UNIT SER 1 46090E103   303,811 633 SH   DFND 3 0 0 633
IRON MTN INC DEL COM 46284V101   366,586 4,061 SH   DFND 5 0 0 4,061
ISHARES INC MSCI EMERG MRKT 464286533   260,534 4,554 SH   DFND 4 0 0 4,554
ISHARES INC CORE MSCI EMKT 46434G103   3,048,266 56,945 SH   DFND 3,4 0 0 56,945
ISHARES INC MSCI EMRG CHN 46434G764   2,489,301 42,049 SH   DFND 3 0 0 42,049
ISHARES TR S&P 100 ETF 464287101   445,081 1,684 SH   DFND 3 0 0 1,684
ISHARES TR TIPS BD ETF 464287176   934,218 8,749 SH   DFND 3,4 0 0 8,749
ISHARES TR CORE S&P500 ETF 464287200   20,567,640 37,585 SH   DFND 3 0 0 37,585
ISHARES TR S&P 500 GRWT ETF 464287309   8,750,027 94,554 SH   DFND 3,4 0 0 94,554
ISHARES TR S&P 500 VAL ETF 464287408   3,358,631 18,453 SH   DFND 3 0 0 18,453
ISHARES TR 20 YR TR BD ETF 464287432   2,210,613 24,086 SH   DFND 3 0 0 24,086
ISHARES TR RUSSELL 2000 ETF 464287655   350,391 1,727 SH   DFND 4 0 0 1,727
ISHARES TR U.S. TECH ETF 464287721   3,114,296 20,693 SH   DFND 3 0 0 20,693
ISHARES TR CORE S&P SCP ETF 464287804   230,812 2,164 SH   DFND 4 0 0 2,164
ISHARES TR SHRT NAT MUN ETF 464288158   367,807 3,518 SH   DFND 3 0 0 3,518
ISHARES TR JPMORGAN USD EMG 464288281   830,385 9,385 SH   DFND 3 0 0 9,385
ISHARES TR NATIONAL MUN ETF 464288414   4,724,320 44,339 SH   DFND 3,4 0 0 44,339
ISHARES TR MBS ETF 464288588   4,487,948 48,883 SH   DFND 3 0 0 48,883
ISHARES TR 10-20 YR TRS ETF 464288653   685,831 6,678 SH   DFND 3 0 0 6,678
ISHARES TR EAFE VALUE ETF 464288877   2,497,441 47,086 SH   DFND 3 0 0 47,086
ISHARES TR EAFE GRWTH ETF 464288885   5,907,723 57,749 SH   DFND 3 0 0 57,749
ISHARES TR US TREAS BD ETF 46429B267   915,665 40,570 SH   DFND 3 0 0 40,570
ISHARES TR MSCI USA QLT FCT 46432F339   6,740,922 39,476 SH   DFND 3 0 0 39,476
ISHARES TR CORE TOTAL USD 46434V613   16,568,246 366,392 SH   DFND 2,3 0 0 366,392
ISHARES TR HDG MSCI EAFE 46434V803   1,195,004 33,610 SH   DFND 3 0 0 33,610
ISHARES TR CONV BD ETF 46435G102   324,349 4,125 SH   DFND 3 0 0 4,125
ISHARES TR INVESTMENT GRADE 46435G219   1,209,520 27,266 SH   DFND 3 0 0 27,266
ISHARES TR ESG AWR MSCI USA 46435G425   571,901 4,793 SH   DFND 3 0 0 4,793
ISHARES TR US INFRASTRUC 46435U713   458,308 10,881 SH   DFND 3 0 0 10,881
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   211,656 4,661 SH   SOLE   0 0 4,661
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609   241,607 3,215 SH   DFND 4 0 0 3,215
KEURIG DR PEPPER INC COM 49271V100   389,430 11,585 SH   DFND 5 0 0 11,585
MARVELL TECHNOLOGY INC COM 573874104   474,481 6,788 SH   DFND 5 0 0 6,788
MERCK & CO INC COM 58933Y105   436,369 3,503 SH   DFND 5 0 0 3,503
META PLATFORMS INC CL A 30303M102   430,604 854 SH   DFND 5 0 0 854
MICROSOFT CORP COM 594918104   596,231 1,334 SH   DFND 1,3,5 0 0 1,334
MOTOROLA SOLUTIONS INC COM NEW 620076307   524,038 1,354 SH   DFND 5 0 0 1,354
NVIDIA CORPORATION COM 67066G104   563,960 4,565 SH   DFND 1,5 0 0 4,565
OTTER TAIL CORP COM 689648103   225,019 2,569 SH   SOLE   0 0 2,569
PAYCHEX INC COM 704326107   310,153 2,616 SH   DFND 5 0 0 2,616
PHILIP MORRIS INTL INC COM 718172109   396,973 3,868 SH   DFND 5 0 0 3,868
ROKU INC COM CL A 77543R102   291,619 4,866 SH   DFND 5 0 0 4,866
ROYAL CARIBBEAN GROUP COM V7780T103   520,380 3,264 SH   DFND 5 0 0 3,264
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   209,482 3,250 SH   SOLE   0 0 3,250
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,412,087 23,895 SH   DFND 3,4,5,6 0 0 23,895
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   336,758 4,519 SH   DFND 3,4,5 0 0 4,519
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   209,983 4,000 SH   DFND 3,4 0 0 4,000
SNAP ON INC COM 833034101   464,229 1,776 SH   DFND 5 0 0 1,776
SPDR S&P 500 ETF TR TR UNIT 78462F103   368,022 674 SH   DFND 6 0 0 674
SPDR SER TR PORTFOLIO LN TSR 78464A664   636,094 23,369 SH   DFND 4,6 0 0 23,369
SPDR SER TR S&P 400 MDCP GRW 78464A821   326,122 3,880 SH   DFND 3,4,5 0 0 3,880
SPDR SER TR NUVEEN BLMBRG SH 78468R739   208,934 4,428 SH   DFND 4 0 0 4,428
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408   247,733 4,868 SH   DFND 6 0 0 4,868
SSGA ACTIVE TR SPDR SSGA FXD 78470P507   319,122 12,549 SH   DFND 6 0 0 12,549
TIDAL ETF TR SP DWJNS SUKUK 886364702   1,616,601 91,385 SH   SOLE   0 0 91,385
TRAVELERS COMPANIES INC COM 89417E109   580,739 2,856 SH   SOLE   0 0 2,856
UNION PAC CORP COM 907818108   1,251,670 5,532 SH   DFND 1 0 0 5,532
VANGUARD INDEX FDS SM CP VAL ETF 922908611   218,225 1,189 SH   DFND 2,3 0 0 1,189
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,805,695 10,451 SH   DFND 2,3 0 0 10,451
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,011,994 23,126 SH   DFND 4 0 0 23,126
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,413,302 28,204 SH   DFND 2,3 0 0 28,204
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   1,980,416 34,151 SH   DFND 5 0 0 34,151
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,453,667 40,691 SH   DFND 2,3 0 0 40,691
VERTEX PHARMACEUTICALS INC COM 92532F100   489,344 1,044 SH   DFND 5 0 0 1,044
WALGREENS BOOTS ALLIANCE INC COM 931427108   316,490 26,167 SH   DFND 5 0 0 26,167
ZILLOW GROUP INC CL C CAP STK 98954M200   364,393 7,855 SH   DFND 5 0 0 7,855