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
Expires: July 31, 2015
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P TTL STK 464287150 47,380,915 350,866 SH SOLE 0 0 350,866
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 38,636,879 1,396,345 SH SOLE 0 0 1,396,345
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 25,064,034 858,063 SH SOLE 0 0 858,063
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 22,406,450 845,526 SH SOLE 0 0 845,526
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 16,937,414 283,187 SH SOLE 0 0 283,187
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,013,670 724,600 SH SOLE 0 0 724,600
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 13,709,913 285,564 SH SOLE 0 0 285,564
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532 13,164,726 645,963 SH SOLE 0 0 645,963
ALPS ETF TR INTL SEC DV DOG 00162Q718 11,604,573 342,116 SH SOLE 0 0 342,116
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 11,378,123 143,518 SH SOLE 0 0 143,518
SPDR SER TR NUVEEN BLOOMBERG 78464A284 10,489,550 423,307 SH SOLE 0 0 423,307
VANGUARD INDEX FDS TOTAL STK MKT 922908769 10,437,868 34,343 SH SOLE 0 0 34,343
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 9,533,138 268,086 SH SOLE 0 0 268,086
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 9,392,469 316,458 SH SOLE 0 0 316,458
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 9,358,213 186,159 SH SOLE 0 0 186,159
ISHARES TR CORE MSCI INTL 46435G326 8,057,883 105,969 SH SOLE 0 0 105,969
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 7,756,099 136,431 SH SOLE 0 0 136,431
AMERICAN CENTY ETF TR US SML CP VALU 025072877 7,712,729 84,662 SH SOLE 0 0 84,662
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 7,672,456 85,136 SH SOLE 0 0 85,136
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 7,598,157 257,652 SH SOLE 0 0 257,652
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 7,431,332 156,680 SH SOLE 0 0 156,680
ISHARES TR EAFE VALUE ETF 464288877 7,175,530 113,036 SH SOLE 0 0 113,036
BROADCOM INC COM 11135F101 6,720,309 24,380 SH SOLE 0 0 24,380
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,129,825 123,935 SH SOLE 0 0 123,935
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 6,095,662 186,640 SH SOLE 0 0 186,640
SPDR SER TR PORTFOLI S&P1500 78464A805 5,810,041 77,581 SH SOLE 0 0 77,581
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 5,792,322 116,265 SH SOLE 0 0 116,265
NVIDIA CORPORATION COM 67066G104 5,401,603 34,190 SH SOLE 0 0 34,190
ISHARES TR RUS MD CP GR ETF 464287481 5,287,183 38,125 SH SOLE 0 0 38,125
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 5,108,154 24,958 SH SOLE 0 0 24,958
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827 4,934,637 206,903 SH SOLE 0 0 206,903
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 4,386,457 188,746 SH SOLE 0 0 188,746
ISHARES TR RUS MDCP VAL ETF 464287473 4,291,907 32,480 SH SOLE 0 0 32,480
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,464,021 21,063 SH SOLE 0 0 21,063
ISHARES INC CORE MSCI EMKT 46434G103 3,328,469 55,447 SH SOLE 0 0 55,447
JPMORGAN CHASE & CO. COM 46625H100 3,254,104 11,225 SH SOLE 0 0 11,225
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 3,205,959 63,851 SH SOLE 0 0 63,851
SPDR SER TR PRTFLO S&P500 VL 78464A508 3,097,272 59,176 SH SOLE 0 0 59,176
APPLE INC COM 037833100 3,050,394 14,868 SH SOLE 0 0 14,868
ISHARES TR INTL SEL DIV ETF 464288448 2,993,673 86,748 SH SOLE 0 0 86,748
SPDR SER TR S&P 600 SMCP GRW 78464A201 2,844,562 32,051 SH SOLE 0 0 32,051
ISHARES TR RUS 2000 VAL ETF 464287630 2,824,169 17,902 SH SOLE 0 0 17,902
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 2,823,236 41,191 SH SOLE 0 0 41,191
MICROSOFT CORP COM 594918104 2,819,892 5,669 SH SOLE 0 0 5,669
WISDOMTREE TR US MIDCAP DIVID 97717W505 2,750,815 54,885 SH SOLE 0 0 54,885
INTERNATIONAL BUSINESS MACHS COM 459200101 2,672,542 9,066 SH SOLE 0 0 9,066
ISHARES TR RUS 1000 GRW ETF 464287614 2,604,374 6,134 SH SOLE 0 0 6,134
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 2,550,950 51,389 SH SOLE 0 0 51,389
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,435,837 35,256 SH SOLE 0 0 35,256
HOME DEPOT INC COM 437076102 2,394,957 6,532 SH SOLE 0 0 6,532
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 2,304,687 70,030 SH SOLE 0 0 70,030
TEXAS INSTRS INC COM 882508104 2,277,605 10,970 SH SOLE 0 0 10,970
COCA COLA CO COM 191216100 2,251,462 31,823 SH SOLE 0 0 31,823
META PLATFORMS INC CL A 30303M102 2,192,588 2,971 SH SOLE 0 0 2,971
VERIZON COMMUNICATIONS INC COM 92343V104 2,102,394 48,588 SH SOLE 0 0 48,588
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 2,011,717 68,356 SH SOLE 0 0 68,356
BLACKROCK INC COM 09290D101 1,999,789 1,906 SH SOLE 0 0 1,906
AMAZON COM INC COM 023135106 1,937,433 8,831 SH SOLE 0 0 8,831
CHEVRON CORP NEW COM 166764100 1,887,738 13,183 SH SOLE 0 0 13,183
SPDR SER TR S&P 600 SMCP VAL 78464A300 1,791,300 22,459 SH SOLE 0 0 22,459
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,752,411 6,162 SH SOLE 0 0 6,162
SPDR SER TR PORTFOLIO LN TSR 78464A664 1,734,664 65,262 SH SOLE 0 0 65,262
CISCO SYS INC COM 17275R102 1,673,152 24,116 SH SOLE 0 0 24,116
ISHARES TR NATIONAL MUN ETF 464288414 1,570,857 15,035 SH SOLE 0 0 15,035
ALTRIA GROUP INC COM 02209S103 1,556,527 26,548 SH SOLE 0 0 26,548
ISHARES TR MSCI USA QLT FCT 46432F339 1,476,272 8,075 SH SOLE 0 0 8,075
PEPSICO INC COM 713448108 1,461,661 11,070 SH SOLE 0 0 11,070
ALPHABET INC CAP STK CL A 02079K305 1,459,121 8,280 SH SOLE 0 0 8,280
NETFLIX INC COM 64110L106 1,418,139 1,059 SH SOLE 0 0 1,059
MERCK & CO INC COM 58933Y105 1,404,694 17,745 SH SOLE 0 0 17,745
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1,398,423 47,614 SH SOLE 0 0 47,614
EXXON MOBIL CORP COM 30231G102 1,393,061 12,923 SH SOLE 0 0 12,923
VISA INC COM CL A 92826C839 1,375,997 3,876 SH SOLE 0 0 3,876
TESLA INC COM 88160R101 1,334,744 4,202 SH SOLE 0 0 4,202
PFIZER INC COM 717081103 1,315,343 54,263 SH SOLE 0 0 54,263
AMGEN INC COM 031162100 1,276,273 4,571 SH SOLE 0 0 4,571
BANK AMERICA CORP COM 060505104 1,235,781 26,115 SH SOLE 0 0 26,115
US BANCORP DEL COM NEW 902973304 1,234,360 27,279 SH SOLE 0 0 27,279
COSTCO WHSL CORP NEW COM 22160K105 1,224,406 1,237 SH SOLE 0 0 1,237
ISHARES TR RUS 2000 GRW ETF 464287648 1,218,335 4,262 SH SOLE 0 0 4,262
LOCKHEED MARTIN CORP COM 539830109 1,188,129 2,565 SH SOLE 0 0 2,565
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,182,128 14,883 SH SOLE 0 0 14,883
PIMCO ETF TR INTER MUN BD ACT 72201R866 1,152,056 22,431 SH SOLE 0 0 22,431
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,146,417 2,360 SH SOLE 0 0 2,360
AUTOMATIC DATA PROCESSING IN COM 053015103 1,116,490 3,620 SH SOLE 0 0 3,620
ABBVIE INC COM 00287Y109 1,111,937 5,990 SH SOLE 0 0 5,990
VANGUARD INDEX FDS GROWTH ETF 922908736 1,110,029 2,532 SH SOLE 0 0 2,532
EOG RES INC COM 26875P101 1,057,475 8,841 SH SOLE 0 0 8,841
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,029,487 18,058 SH SOLE 0 0 18,058
ISHARES TR SHRT NAT MUN ETF 464288158 1,028,520 9,672 SH SOLE 0 0 9,672
3M CO COM 88579Y101 972,661 6,389 SH SOLE 0 0 6,389
PROCTER AND GAMBLE CO COM 742718109 968,157 6,077 SH SOLE 0 0 6,077
SPDR SER TR BLOOMBERG INVT 78468R200 958,659 31,095 SH SOLE 0 0 31,095
JOHNSON & JOHNSON COM 478160104 945,611 6,191 SH SOLE 0 0 6,191
BOOKING HOLDINGS INC COM 09857L108 865,650 150 SH SOLE 0 0 150
SERVICENOW INC COM 81762P102 854,334 831 SH SOLE 0 0 831
CONOCOPHILLIPS COM 20825C104 854,192 9,519 SH SOLE 0 0 9,519
FASTENAL CO COM 311900104 814,070 19,383 SH SOLE 0 0 19,383
ILLINOIS TOOL WKS INC COM 452308109 767,756 3,105 SH SOLE 0 0 3,105
ISHARES TR CORE MSCI TOTAL 46432F834 762,895 9,868 SH SOLE 0 0 9,868
SPDR SER TR S&P 400 MDCP GRW 78464A821 762,867 8,782 SH SOLE 0 0 8,782
KIMBERLY-CLARK CORP COM 494368103 754,785 5,855 SH SOLE 0 0 5,855
DEERE & CO COM 244199105 704,076 1,385 SH SOLE 0 0 1,385
VALERO ENERGY CORP COM 91913Y100 698,177 5,194 SH SOLE 0 0 5,194
ISHARES INC MSCI EMRG CHN 46434G764 687,250 10,885 SH SOLE 0 0 10,885
ADVANCED MICRO DEVICES INC COM 007903107 645,503 4,549 SH SOLE 0 0 4,549
ISHARES TR MSCI INTL QUALTY 46434V456 627,036 14,508 SH SOLE 0 0 14,508
AMERICAN EXPRESS CO COM 025816109 573,933 1,799 SH SOLE 0 0 1,799
ELI LILLY & CO COM 532457108 560,049 718 SH SOLE 0 0 718
INTUITIVE SURGICAL INC COM NEW 46120E602 556,995 1,025 SH SOLE 0 0 1,025
KNIFE RIVER CORP COMMON STOCK 498894104 554,009 6,786 SH SOLE 0 0 6,786
SALESFORCE INC COM 79466L302 540,238 1,981 SH SOLE 0 0 1,981
LINDE PLC SHS G54950103 532,923 1,136 SH SOLE 0 0 1,136
ISHARES TR MSCI USA MIN VOL 46429B697 531,680 5,664 SH SOLE 0 0 5,664
VANGUARD INDEX FDS SML CP GRW ETF 922908595 529,232 1,911 SH SOLE 0 0 1,911
WELLS FARGO CO NEW COM 949746101 481,817 6,014 SH SOLE 0 0 6,014
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 481,512 1,611 SH SOLE 0 0 1,611
LAM RESEARCH CORP COM NEW 512807306 475,744 4,887 SH SOLE 0 0 4,887
UNITED PARCEL SERVICE INC CL B 911312106 470,893 4,665 SH SOLE 0 0 4,665
MASTERCARD INCORPORATED CL A 57636Q104 462,531 823 SH SOLE 0 0 823
MDU RES GROUP INC COM 552690109 458,252 27,490 SH SOLE 0 0 27,490
UNITEDHEALTH GROUP INC COM 91324P102 437,280 1,402 SH SOLE 0 0 1,402
EVERUS CONSTR GROUP COM 300426103 435,498 6,855 SH SOLE 0 0 6,855
INTUIT COM 461202103 430,117 546 SH SOLE 0 0 546
AT&T INC COM 00206R102 423,415 14,631 SH SOLE 0 0 14,631
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107 396,957 7,164 SH SOLE 0 0 7,164
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 388,247 5,793 SH SOLE 0 0 5,793
THERMO FISHER SCIENTIFIC INC COM 883556102 362,190 893 SH SOLE 0 0 893
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 360,313 1,292 SH SOLE 0 0 1,292
ADOBE INC COM 00724F101 344,710 891 SH SOLE 0 0 891
CUMMINS INC COM 231021106 335,814 1,025 SH SOLE 0 0 1,025
ISHARES TR S&P 500 GRWT ETF 464287309 330,190 2,999 SH SOLE 0 0 2,999
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852 320,406 6,590 SH SOLE 0 0 6,590
GE AEROSPACE COM NEW 369604301 303,700 1,180 SH SOLE 0 0 1,180
SYNOPSYS INC COM 871607107 290,177 566 SH SOLE 0 0 566
CHIPOTLE MEXICAN GRILL INC COM 169656105 263,905 4,700 SH SOLE 0 0 4,700
VANGUARD INDEX FDS SM CP VAL ETF 922908611 250,003 1,282 SH SOLE 0 0 1,282
ISHARES TR CORE S&P500 ETF 464287200 237,184 382 SH SOLE 0 0 382
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 233,441 2,914 SH SOLE 0 0 2,914
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207 232,114 2,361 SH SOLE 0 0 2,361
MICRON TECHNOLOGY INC COM 595112103 228,629 1,855 SH SOLE 0 0 1,855
AMERICAN TOWER CORP NEW COM 03027X100 224,622 1,016 SH SOLE 0 0 1,016
VANGUARD WORLD FD INF TECH ETF 92204A702 222,862 336 SH SOLE 0 0 336
WALMART INC COM 931142103 221,792 2,268 SH SOLE 0 0 2,268
ORACLE CORP COM 68389X105 210,322 962 SH SOLE 0 0 962
VANGUARD BD INDEX FDS INTERMED TERM 921937819 208,818 2,700 SH SOLE 0 0 2,700