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   690,244 5,347 SH   SOLE 0 0 0 5,347
ABBOTT LABS COM 002824100   528,676 4,674 SH   SOLE 0 0 0 4,674
ABBVIE INC COM 00287Y109   1,989,174 11,194 SH   SOLE 0 0 0 11,194
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,176,034 3,343 SH   SOLE 0 0 0 3,343
ADOBE INC COM 00724F101   283,261 637 SH   SOLE 0 0 0 637
AFLAC INC COM 001055102   2,284,059 22,081 SH   SOLE 0 0 0 22,081
AKAMAI TECHNOLOGIES INC COM 00971T101   541,475 5,661 SH   SOLE 0 0 0 5,661
ALPHABET INC CAP STK CL A 02079K305   2,377,229 12,558 SH   SOLE 0 0 0 12,558
ALPHABET INC CAP STK CL C 02079K107   656,828 3,449 SH   SOLE 0 0 0 3,449
ALTRIA GROUP INC COM 02209S103   221,605 4,238 SH   SOLE 0 0 0 4,238
AMAZON COM INC COM 023135106   610,124 2,781 SH   SOLE 0 0 0 2,781
AMCOR PLC ORD G0250X107   107,274 11,400 SH   SOLE 0 0 0 11,400
AMERICAN EXPRESS CO COM 025816109   420,255 1,416 SH   SOLE 0 0 0 1,416
AMERICAN TOWER CORP NEW COM 03027X100   792,148 4,319 SH   SOLE 0 0 0 4,319
AMERICAN WTR WKS CO INC NEW COM 030420103   518,501 4,165 SH   SOLE 0 0 0 4,165
AMGEN INC COM 031162100   1,587,819 6,092 SH   SOLE 0 0 0 6,092
APPLE INC COM 037833100   3,321,943 13,265 SH   SOLE 0 0 0 13,265
APPLIED MATLS INC COM 038222105   394,540 2,426 SH   SOLE 0 0 0 2,426
AT&T INC COM 00206R102   733,057 32,194 SH   SOLE 0 0 0 32,194
BANK AMERICA CORP COM 060505104   714,671 16,261 SH   SOLE 0 0 0 16,261
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   909,280 2,006 SH   SOLE 0 0 0 2,006
BLACKROCK INC COM 09290D101   1,024,085 999 SH   SOLE 0 0 0 999
BRISTOL-MYERS SQUIBB CO COM 110122108   1,135,442 20,075 SH   SOLE 0 0 0 20,075
BROADCOM INC COM 11135F101   2,323,037 10,020 SH   SOLE 0 0 0 10,020
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   587,834 2,600 SH   SOLE 0 0 0 2,600
BUNGE GLOBAL SA COM SHS H11356104   360,806 4,640 SH   SOLE 0 0 0 4,640
CARDINAL HEALTH INC COM 14149Y108   1,869,849 15,810 SH   SOLE 0 0 0 15,810
CATERPILLAR INC COM 149123101   267,717 738 SH   SOLE 0 0 0 738
CHENIERE ENERGY INC COM NEW 16411R208   571,554 2,660 SH   SOLE 0 0 0 2,660
CHEVRON CORP NEW COM 166764100   1,554,712 10,734 SH   SOLE 0 0 0 10,734
CISCO SYS INC COM 17275R102   3,673,182 62,047 SH   SOLE 0 0 0 62,047
COHERENT CORP COM 19247G107   233,131 2,461 SH   SOLE 0 0 0 2,461
COMCAST CORP NEW CL A 20030N101   659,740 17,579 SH   SOLE 0 0 0 17,579
CONOCOPHILLIPS COM 20825C104   353,938 3,569 SH   SOLE 0 0 0 3,569
COSTCO WHSL CORP NEW COM 22160K105   2,822,112 3,080 SH   SOLE 0 0 0 3,080
CVS HEALTH CORP COM 126650100   372,991 8,309 SH   SOLE 0 0 0 8,309
CYBERARK SOFTWARE LTD SHS M2682V108   704,612 2,115 SH   SOLE 0 0 0 2,115
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   6,673,397 228,541 SH   SOLE 0 0 0 228,541
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   3,953,480 60,748 SH   SOLE 0 0 0 60,748
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   636,472 11,435 SH   SOLE 0 0 0 11,435
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   1,875,722 45,450 SH   SOLE 0 0 0 45,450
DISNEY WALT CO COM 254687106   798,714 7,173 SH   SOLE 0 0 0 7,173
EATON CORP PLC SHS G29183103   326,560 984 SH   SOLE 0 0 0 984
ELI LILLY & CO COM 532457108   2,103,700 2,725 SH   SOLE 0 0 0 2,725
EMERSON ELEC CO COM 291011104   2,195,172 17,713 SH   SOLE 0 0 0 17,713
ENBRIDGE INC COM 29250N105   575,521 13,564 SH   SOLE 0 0 0 13,564
EVERUS CONSTR GROUP COM 300426103   336,377 5,116 SH   SOLE 0 0 0 5,116
EXXON MOBIL CORP COM 30231G102   2,910,952 27,061 SH   SOLE 0 0 0 27,061
FEDEX CORP COM 31428X106   757,622 2,693 SH   SOLE 0 0 0 2,693
FLEXSHARES TR MORNSTAR UPSTR 33939L407   408,614 11,238 SH   SOLE 0 0 0 11,238
FLEXSHARES TR IBOXX 3R TARGT 33939L506   330,260 14,000 SH   SOLE 0 0 0 14,000
GE AEROSPACE COM NEW 369604301   394,292 2,364 SH   SOLE 0 0 0 2,364
GEN DIGITAL INC COM 668771108   402,048 14,684 SH   SOLE 0 0 0 14,684
GENERAC HLDGS INC COM 368736104   262,190 1,691 SH   SOLE 0 0 0 1,691
GENERAL DYNAMICS CORP COM 369550108   946,983 3,594 SH   SOLE 0 0 0 3,594
GENERAL MLS INC COM 370334104   724,937 11,368 SH   SOLE 0 0 0 11,368
GENERAL MTRS CO COM 37045V100   413,375 7,760 SH   SOLE 0 0 0 7,760
GENUINE PARTS CO COM 372460105   563,601 4,827 SH   SOLE 0 0 0 4,827
GILEAD SCIENCES INC COM 375558103   466,838 5,054 SH   SOLE 0 0 0 5,054
GOLDMAN SACHS GROUP INC COM 38141G104   255,961 447 SH   SOLE 0 0 0 447
HANESBRANDS INC COM 410345102   177,045 21,750 SH   SOLE 0 0 0 21,750
HOME DEPOT INC COM 437076102   482,348 1,240 SH   SOLE 0 0 0 1,240
HONEYWELL INTL INC COM 438516106   312,858 1,385 SH   SOLE 0 0 0 1,385
HUNTINGTON INGALLS INDS INC COM 446413106   413,088 2,186 SH   SOLE 0 0 0 2,186
INTEL CORP COM 458140100   254,936 12,715 SH   SOLE 0 0 0 12,715
INTERNATIONAL BUSINESS MACHS COM 459200101   2,891,424 13,153 SH   SOLE 0 0 0 13,153
INVESCO QQQ TR UNIT SER 1 46090E103   306,738 600 SH   SOLE 0 0 0 600
ISHARES GOLD TR ISHARES NEW 464285204   10,537,708 212,840 SH   SOLE 0 0 0 212,840
ISHARES TR U.S. MED DVC ETF 464288810   280,080 4,800 SH   SOLE 0 0 0 4,800
ISHARES TR SHORT TREAS BD 464288679   969,188 8,802 SH   SOLE 0 0 0 8,802
ISHARES TR NATIONAL MUN ETF 464288414   1,108,120 10,400 SH   SOLE 0 0 0 10,400
ISHARES TR ISHS 5-10YR INVT 464288638   2,376,929 46,145 SH   SOLE 0 0 0 46,145
ISHARES TR CORE US AGGBD ET 464287226   1,122,780 11,587 SH   SOLE 0 0 0 11,587
ISHARES TR MSCI EMG MKT ETF 464287234   1,496,111 35,775 SH   SOLE 0 0 0 35,775
ISHARES TR CORE S&P MCP ETF 464287507   3,813,185 61,197 SH   SOLE 0 0 0 61,197
ISHARES TR CORE S&P SCP ETF 464287804   1,864,951 16,186 SH   SOLE 0 0 0 16,186
ISHARES TR CORE S&P500 ETF 464287200   1,650,659 2,804 SH   SOLE 0 0 0 2,804
ISHARES TR RUSSELL 2000 ETF 464287655   603,663 2,732 SH   SOLE 0 0 0 2,732
ISHARES TR 7-10 YR TRSY BD 464287440   4,814,175 52,073 SH   SOLE 0 0 0 52,073
ISHARES TR MSCI EAFE ETF 464287465   378,050 5,000 SH   SOLE 0 0 0 5,000
ISHARES TR CORE MSCI EAFE 46432F842   1,057,081 15,041 SH   SOLE 0 0 0 15,041
ISHARES TR CORE DIV GRWTH 46434V621   3,189,251 51,993 SH   SOLE 0 0 0 51,993
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   6,506,797 129,180 SH   SOLE 0 0 0 129,180
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,587,223 31,300 SH   SOLE 0 0 0 31,300
JOHNSON & JOHNSON COM 478160104   1,368,539 9,463 SH   SOLE 0 0 0 9,463
JPMORGAN CHASE & CO. COM 46625H100   4,267,557 17,803 SH   SOLE 0 0 0 17,803
KNIFE RIVER CORP COMMON STOCK 498894104   519,990 5,116 SH   SOLE 0 0 0 5,116
L3HARRIS TECHNOLOGIES INC COM 502431109   406,051 1,931 SH   SOLE 0 0 0 1,931
LOCKHEED MARTIN CORP COM 539830109   1,039,912 2,140 SH   SOLE 0 0 0 2,140
LOWES COS INC COM 548661107   913,654 3,702 SH   SOLE 0 0 0 3,702
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   928,746 12,505 SH   SOLE 0 0 0 12,505
MASTERCARD INCORPORATED CL A 57636Q104   1,034,183 1,964 SH   SOLE 0 0 0 1,964
MCDONALDS CORP COM 580135101   1,053,170 3,633 SH   SOLE 0 0 0 3,633
MCKESSON CORP COM 58155Q103   760,260 1,334 SH   SOLE 0 0 0 1,334
MDU RES GROUP INC COM 552690109   369,140 20,485 SH   SOLE 0 0 0 20,485
MEDTRONIC PLC SHS G5960L103   324,632 4,064 SH   SOLE 0 0 0 4,064
MERCK & CO INC COM 58933Y105   1,056,798 10,623 SH   SOLE 0 0 0 10,623
META PLATFORMS INC CL A 30303M102   229,520 392 SH   SOLE 0 0 0 392
MICROSOFT CORP COM 594918104   5,021,124 11,913 SH   SOLE 0 0 0 11,913
MOLSON COORS BEVERAGE CO CL B 60871R209   1,298,011 22,645 SH   SOLE 0 0 0 22,645
NETAPP INC COM 64110D104   924,345 7,963 SH   SOLE 0 0 0 7,963
NEWELL BRANDS INC COM 651229106   130,725 13,125 SH   SOLE 0 0 0 13,125
NORTHERN TR CORP COM 665859104   221,298 2,159 SH   SOLE 0 0 0 2,159
NORTHROP GRUMMAN CORP COM 666807102   305,039 650 SH   SOLE 0 0 0 650
NOVARTIS AG SPONSORED ADR 66987V109   520,511 5,349 SH   SOLE 0 0 0 5,349
NOVO-NORDISK A S ADR 670100205   1,089,529 12,666 SH   SOLE 0 0 0 12,666
NUCOR CORP COM 670346105   756,281 6,480 SH   SOLE 0 0 0 6,480
ORACLE CORP COM 68389X105   691,389 4,149 SH   SOLE 0 0 0 4,149
PACKAGING CORP AMER COM 695156109   454,763 2,020 SH   SOLE 0 0 0 2,020
PAYCHEX INC COM 704326107   804,302 5,736 SH   SOLE 0 0 0 5,736
PAYPAL HLDGS INC COM 70450Y103   411,558 4,822 SH   SOLE 0 0 0 4,822
PEPSICO INC COM 713448108   905,365 5,954 SH   SOLE 0 0 0 5,954
PFIZER INC COM 717081103   314,434 11,852 SH   SOLE 0 0 0 11,852
PHILIP MORRIS INTL INC COM 718172109   203,271 1,689 SH   SOLE 0 0 0 1,689
PHILLIPS 66 COM 718546104   248,937 2,185 SH   SOLE 0 0 0 2,185
PPL CORP COM 69351T106   474,435 14,616 SH   SOLE 0 0 0 14,616
PROCTER AND GAMBLE CO COM 742718109   833,053 4,969 SH   SOLE 0 0 0 4,969
PRUDENTIAL FINL INC COM 744320102   669,339 5,647 SH   SOLE 0 0 0 5,647
PUBLIC STORAGE OPER CO COM 74460D109   224,580 750 SH   SOLE 0 0 0 750
QUALCOMM INC COM 747525103   572,235 3,725 SH   SOLE 0 0 0 3,725
RTX CORPORATION COM 75513E101   478,734 4,137 SH   SOLE 0 0 0 4,137
SALESFORCE INC COM 79466L302   361,745 1,082 SH   SOLE 0 0 0 1,082
SANOFI SPONSORED ADR 80105N105   445,404 9,235 SH   SOLE 0 0 0 9,235
SCHLUMBERGER LTD COM STK 806857108   230,960 6,024 SH   SOLE 0 0 0 6,024
SCHWAB STRATEGIC TR US REIT ETF 808524847   769,869 36,556 SH   SOLE 0 0 0 36,556
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,776,013 73,816 SH   SOLE 0 0 0 73,816
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   205,831 11,126 SH   SOLE 0 0 0 11,126
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   220,062 7,896 SH   SOLE 0 0 0 7,896
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   254,652 9,768 SH   SOLE 0 0 0 9,768
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   805,092 27,714 SH   SOLE 0 0 0 27,714
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   345,413 4,002 SH   SOLE 0 0 0 4,002
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,229,221 14,350 SH   SOLE 0 0 0 14,350
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   907,991 3,905 SH   SOLE 0 0 0 3,905
SMUCKER J M CO COM NEW 832696405   408,545 3,710 SH   SOLE 0 0 0 3,710
SPDR GOLD TR GOLD SHS 78463V107   604,356 2,496 SH   SOLE 0 0 0 2,496
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   257,511 7,545 SH   SOLE 0 0 0 7,545
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,614,941 6,168 SH   SOLE 0 0 0 6,168
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,110,681 1,950 SH   SOLE 0 0 0 1,950
SPDR SER TR PORTFOLIO AGRGTE 78464A649   628,499 25,150 SH   SOLE 0 0 0 25,150
SPDR SER TR PORTFOLIO INTRMD 78464A375   606,388 18,510 SH   SOLE 0 0 0 18,510
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   8,541,756 93,424 SH   SOLE 0 0 0 93,424
SPDR SER TR PRTFLO S&P500 VL 78464A508   212,998 4,165 SH   SOLE 0 0 0 4,165
SPROTT PHYSICAL GOLD TR UNIT 85207H104   233,886 11,613 SH   SOLE 0 0 0 11,613
STARBUCKS CORP COM 855244109   408,618 4,478 SH   SOLE 0 0 0 4,478
STRYKER CORPORATION COM 863667101   318,644 885 SH   SOLE 0 0 0 885
SYNOPSYS INC COM 871607107   378,581 780 SH   SOLE 0 0 0 780
T-MOBILE US INC COM 872590104   333,523 1,511 SH   SOLE 0 0 0 1,511
TARGET CORP COM 87612E106   497,192 3,678 SH   SOLE 0 0 0 3,678
THERMO FISHER SCIENTIFIC INC COM 883556102   211,734 407 SH   SOLE 0 0 0 407
TJX COS INC NEW COM 872540109   586,533 4,855 SH   SOLE 0 0 0 4,855
TRADEWEB MKTS INC CL A 892672106   296,927 2,268 SH   SOLE 0 0 0 2,268
TRAVELERS COMPANIES INC COM 89417E109   980,904 4,072 SH   SOLE 0 0 0 4,072
TYSON FOODS INC CL A 902494103   410,753 7,151 SH   SOLE 0 0 0 7,151
UNION PAC CORP COM 907818108   436,697 1,915 SH   SOLE 0 0 0 1,915
UNITED PARCEL SERVICE INC CL B 911312106   222,819 1,767 SH   SOLE 0 0 0 1,767
UNITEDHEALTH GROUP INC COM 91324P102   283,282 560 SH   SOLE 0 0 0 560
US BANCORP DEL COM NEW 902973304   449,124 9,390 SH   SOLE 0 0 0 9,390
VALERO ENERGY CORP COM 91913Y100   410,186 3,346 SH   SOLE 0 0 0 3,346
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   5,959,371 77,124 SH   SOLE 0 0 0 77,124
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   5,080,710 31,407 SH   SOLE 0 0 0 31,407
VANGUARD INDEX FDS VALUE ETF 922908744   2,957,163 17,467 SH   SOLE 0 0 0 17,467
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,163,746 15,964 SH   SOLE 0 0 0 15,964
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   324,518 3,643 SH   SOLE 0 0 0 3,643
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,459,752 11,938 SH   SOLE 0 0 0 11,938
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   345,582 7,847 SH   SOLE 0 0 0 7,847
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   678,586 11,820 SH   SOLE 0 0 0 11,820
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   444,856 5,542 SH   SOLE 0 0 0 5,542
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,015,000 17,500 SH   SOLE 0 0 0 17,500
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   5,615,004 71,978 SH   SOLE 0 0 0 71,978
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,757,978 19,190 SH   SOLE 0 0 0 19,190
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   443,483 9,274 SH   SOLE 0 0 0 9,274
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,006,786 23,566 SH   SOLE 0 0 0 23,566
VERIZON COMMUNICATIONS INC COM 92343V104   1,447,798 36,204 SH   SOLE 0 0 0 36,204
VERTEX PHARMACEUTICALS INC COM 92532F100   354,779 881 SH   SOLE 0 0 0 881
VIATRIS INC COM 92556V106   273,265 21,949 SH   SOLE 0 0 0 21,949
VIRTU FINL INC CL A 928254101   687,875 19,279 SH   SOLE 0 0 0 19,279
VISA INC COM CL A 92826C839   367,871 1,164 SH   SOLE 0 0 0 1,164
WALGREENS BOOTS ALLIANCE INC COM 931427108   126,468 13,555 SH   SOLE 0 0 0 13,555
WALMART INC COM 931142103   397,269 4,397 SH   SOLE 0 0 0 4,397
WASTE MGMT INC DEL COM 94106L109   585,595 2,902 SH   SOLE 0 0 0 2,902
WELLS FARGO CO NEW COM 949746101   222,239 3,164 SH   SOLE 0 0 0 3,164
XYLEM INC COM 98419M100   532,068 4,586 SH   SOLE 0 0 0 4,586
ZOETIS INC CL A 98978V103   542,883 3,332 SH   SOLE 0 0 0 3,332