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
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 306,169 1,737 SH SOLE 0 0 1,737
AMAZON COM INC COM 023135106 348,660 1,589 SH SOLE 0 0 1,589
APPLE INC COM 037833100 756,820 3,689 SH SOLE 0 0 3,689
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 458,567 944 SH SOLE 0 0 944
BROADCOM INC COM 11135F101 561,399 2,037 SH SOLE 0 0 2,037
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108 724,571 19,620 SH SOLE 0 0 19,620
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 1,256,022 31,806 SH SOLE 0 0 31,806
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 909,870 22,383 SH SOLE 0 0 22,383
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109 1,021,473 37,651 SH SOLE 0 0 37,651
CARRIER GLOBAL CORPORATION COM 14448C104 378,173 5,167 SH SOLE 0 0 5,167
CATERPILLAR INC COM 149123101 266,626 687 SH SOLE 0 0 687
CHEVRON CORP NEW COM 166764100 358,669 2,505 SH SOLE 0 0 2,505
CLEVELAND-CLIFFS INC NEW COM 185899101 371,832 48,925 SH SOLE 0 0 48,925
COCA COLA CO COM 191216100 349,766 4,944 SH SOLE 0 0 4,944
COSTCO WHSL CORP NEW COM 22160K105 286,883 290 SH SOLE 0 0 290
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 1,048,729 33,732 SH SOLE 0 0 33,732
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 4,045,501 112,877 SH SOLE 0 0 112,877
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 623,452 21,227 SH SOLE 0 0 21,227
EATON CORP PLC SHS G29183103 212,154 594 SH SOLE 0 0 594
EXXON MOBIL CORP COM 30231G102 1,164,739 10,805 SH SOLE 0 0 10,805
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352 611,086 12,668 SH SOLE 0 0 12,668
FIDELITY COVINGTON TRUST FUNDAMENTAL SMAL 316092295 13,674,375 502,919 SH SOLE 0 0 502,919
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 418,411 9,146 SH SOLE 0 0 9,146
FIDELITY NATL INFORMATION SV COM 31620M106 278,489 3,421 SH SOLE 0 0 3,421
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 1,405,852 28,539 SH SOLE 0 0 28,539
FISERV INC COM 337738108 217,468 1,261 SH SOLE 0 0 1,261
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 241,155 9,953 SH SOLE 0 0 9,953
GENERAL DYNAMICS CORP COM 369550108 243,127 834 SH SOLE 0 0 834
ILLINOIS TOOL WKS INC COM 452308109 359,295 1,453 SH SOLE 0 0 1,453
ISHARES TR CORE DIV GRWTH 46434V621 12,169,699 190,330 SH SOLE 0 0 190,330
ISHARES TR CORE HIGH DV ETF 46429B663 3,130,752 26,720 SH SOLE 0 0 26,720
ISHARES TR CORE MSCI EAFE 46432F842 223,966 2,683 SH SOLE 0 0 2,683
ISHARES TR CORE MSCI TOTAL 46432F834 661,004 8,550 SH SOLE 0 0 8,550
ISHARES TR CORE S&P MCP ETF 464287507 2,079,546 33,530 SH SOLE 0 0 33,530
ISHARES TR CORE S&P SCP ETF 464287804 1,533,302 14,030 SH SOLE 0 0 14,030
ISHARES TR CORE S&P TTL STK 464287150 1,819,096 13,471 SH SOLE 0 0 13,471
ISHARES TR CORE S&P500 ETF 464287200 328,380 529 SH SOLE 0 0 529
ISHARES TR IBDS DEC28 ETF 46435U515 216,929 8,534 SH SOLE 0 0 8,534
ISHARES TR IBONDS 25 TRM TS 46436E866 2,945,777 126,103 SH SOLE 0 0 126,103
ISHARES TR IBONDS 26 TRM TS 46436E858 5,561,083 242,524 SH SOLE 0 0 242,524
ISHARES TR IBONDS 27 ETF 46435UAA9 501,486 20,663 SH SOLE 0 0 20,663
ISHARES TR IBONDS 27 TRM TS 46436E841 1,315,226 58,481 SH SOLE 0 0 58,481
ISHARES TR IBONDS DEC2026 46435GAA0 694,561 28,642 SH SOLE 0 0 28,642
ISHARES TR IBONDS DEC25 ETF 46434VBD1 351,959 13,978 SH SOLE 0 0 13,978
ISHARES TR INTL SEL DIV ETF 464288448 826,201 23,941 SH SOLE 0 0 23,941
ISHARES TR MSCI USA MIN VOL 46429B697 911,986 9,715 SH SOLE 0 0 9,715
ISHARES TR PFD AND INCM SEC 464288687 1,053,483 34,338 SH SOLE 0 0 34,338
ISHARES TR SELECT DIVID ETF 464287168 208,985 1,574 SH SOLE 0 0 1,574
JOHNSON & JOHNSON COM 478160104 431,710 2,826 SH SOLE 0 0 2,826
KIMBERLY-CLARK CORP COM 494368103 224,958 1,745 SH SOLE 0 0 1,745
MCKESSON CORP COM 58155Q103 209,533 286 SH SOLE 0 0 286
MGE ENERGY INC COM 55277P104 231,282 2,615 SH SOLE 0 0 2,615
MICROSOFT CORP COM 594918104 3,202,244 6,438 SH SOLE 0 0 6,438
NEWMONT CORP COM 651639106 774,512 13,294 SH SOLE 0 0 13,294
NVIDIA CORPORATION COM 67066G104 681,891 4,316 SH SOLE 0 0 4,316
OTIS WORLDWIDE CORP COM 68902V107 273,790 2,765 SH SOLE 0 0 2,765
OUTDOOR HOLDING CO COM 00175J107 14,400 11,250 SH SOLE 0 0 11,250
PACER FDS TR US CASH COWS 100 69374H881 965,469 17,522 SH SOLE 0 0 17,522
PALANTIR TECHNOLOGIES INC CL A 69608A108 262,128 1,923 SH SOLE 0 0 1,923
PHILIP MORRIS INTL INC COM 718172109 300,144 1,648 SH SOLE 0 0 1,648
PROSHARES TR S&P 500 DV ARIST 74348A467 753,603 7,484 SH SOLE 0 0 7,484
PROSHARES TR S&P MDCP 400 DIV 74347B680 3,136,101 38,463 SH SOLE 0 0 38,463
QUANTA SVCS INC COM 74762E102 558,698 1,478 SH SOLE 0 0 1,478
RTX CORPORATION COM 75513E101 899,886 6,163 SH SOLE 0 0 6,163
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,418,234 154,671 SH SOLE 0 0 154,671
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,895,234 35,455 SH SOLE 0 0 35,455
SPDR GOLD TR GOLD SHS 78463V107 280,849 921 SH SOLE 0 0 921
SPDR S&P 500 ETF TR TR UNIT 78462F103 490,932 795 SH SOLE 0 0 795
SPDR SERIES TRUST S&P DIVID ETF 78464A763 286,768 2,113 SH SOLE 0 0 2,113
SPROTT PHYSICAL GOLD TR UNIT 85207H104 1,973,880 77,865 SH SOLE 0 0 77,865
TESLA INC COM 88160R101 244,958 771 SH SOLE 0 0 771
TOYOTA MOTOR CORP ADS 892331307 269,687 1,566 SH SOLE 0 0 1,566
UNION PAC CORP COM 907818108 524,957 2,282 SH SOLE 0 0 2,282
UNITEDHEALTH GROUP INC COM 91324P102 282,433 905 SH SOLE 0 0 905
VANGUARD INDEX FDS MID CAP ETF 922908629 279,830 1,000 SH SOLE 0 0 1,000
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,059,146 11,892 SH SOLE 0 0 11,892
VANGUARD INDEX FDS TOTAL STK MKT 922908769 25,755,659 84,742 SH SOLE 0 0 84,742
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,119,619 5,470 SH SOLE 0 0 5,470
VANGUARD STAR FDS VG TL INTL STK F 921909768 292,216 4,230 SH SOLE 0 0 4,230
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 453,803 3,404 SH SOLE 0 0 3,404
WALMART INC COM 931142103 611,747 6,256 SH SOLE 0 0 6,256
WEC ENERGY GROUP INC COM 92939U106 286,155 2,746 SH SOLE 0 0 2,746
WELLS FARGO CO NEW COM 949746101 253,354 3,162 SH SOLE 0 0 3,162
WHEATON PRECIOUS METALS CORP COM 962879102 2,604,811 29,007 SH SOLE 0 0 29,007
WP CAREY INC COM 92936U109 437,511 7,014 SH SOLE 0 0 7,014