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
3M CO COM 88579Y101 847,063 5,564 SH SOLE 0 0 0 5,564
ABBOTT LABS COM 002824100 581,307 4,274 SH SOLE 0 0 0 4,274
ABBVIE INC COM 00287Y109 2,022,144 10,894 SH SOLE 0 0 0 10,894
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,062,255 3,554 SH SOLE 0 0 0 3,554
ADOBE INC COM 00724F101 232,128 600 SH SOLE 0 0 0 600
AFLAC INC COM 001055102 2,363,253 22,409 SH SOLE 0 0 0 22,409
AKAMAI TECHNOLOGIES INC COM 00971T101 561,829 7,044 SH SOLE 0 0 0 7,044
ALPHABET INC CAP STK CL A 02079K305 2,222,437 12,611 SH SOLE 0 0 0 12,611
ALPHABET INC CAP STK CL C 02079K107 517,801 2,919 SH SOLE 0 0 0 2,919
ALTRIA GROUP INC COM 02209S103 277,554 4,734 SH SOLE 0 0 0 4,734
AMAZON COM INC COM 023135106 577,215 2,631 SH SOLE 0 0 0 2,631
AMERICAN EXPRESS CO COM 025816109 451,676 1,416 SH SOLE 0 0 0 1,416
AMERICAN TOWER CORP NEW COM 03027X100 994,369 4,499 SH SOLE 0 0 0 4,499
AMERICAN WTR WKS CO INC NEW COM 030420103 534,182 3,840 SH SOLE 0 0 0 3,840
AMGEN INC COM 031162100 1,778,568 6,370 SH SOLE 0 0 0 6,370
APPLE INC COM 037833100 2,586,473 12,606 SH SOLE 0 0 0 12,606
APPLIED MATLS INC COM 038222105 437,903 2,392 SH SOLE 0 0 0 2,392
AT&T INC COM 00206R102 947,611 32,744 SH SOLE 0 0 0 32,744
BANK AMERICA CORP COM 060505104 769,471 16,261 SH SOLE 0 0 0 16,261
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 831,152 1,711 SH SOLE 0 0 0 1,711
BLACKROCK INC COM 09290D101 1,048,201 999 SH SOLE 0 0 0 999
BRISTOL-MYERS SQUIBB CO COM 110122108 877,797 18,963 SH SOLE 0 0 0 18,963
BROADCOM INC COM 11135F101 2,624,188 9,520 SH SOLE 0 0 0 9,520
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 607,575 2,500 SH SOLE 0 0 0 2,500
BUNGE GLOBAL SA COM SHS H11356104 276,163 3,440 SH SOLE 0 0 0 3,440
CARDINAL HEALTH INC COM 14149Y108 2,690,856 16,017 SH SOLE 0 0 0 16,017
CATERPILLAR INC COM 149123101 222,444 573 SH SOLE 0 0 0 573
CHENIERE ENERGY INC COM NEW 16411R208 511,392 2,100 SH SOLE 0 0 0 2,100
CHEVRON CORP NEW COM 166764100 1,653,844 11,550 SH SOLE 0 0 0 11,550
CISCO SYS INC COM 17275R102 4,344,298 62,616 SH SOLE 0 0 0 62,616
COHERENT CORP COM 19247G107 219,546 2,461 SH SOLE 0 0 0 2,461
COMCAST CORP NEW CL A 20030N101 684,499 19,179 SH SOLE 0 0 0 19,179
CONOCOPHILLIPS COM 20825C104 293,360 3,269 SH SOLE 0 0 0 3,269
COSTCO WHSL CORP NEW COM 22160K105 2,840,138 2,869 SH SOLE 0 0 0 2,869
CVS HEALTH CORP COM 126650100 620,061 8,989 SH SOLE 0 0 0 8,989
CYBERARK SOFTWARE LTD SHS M2682V108 860,551 2,115 SH SOLE 0 0 0 2,115
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 8,093,148 234,109 SH SOLE 0 0 0 234,109
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 4,287,683 67,300 SH SOLE 0 0 0 67,300
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 617,033 11,435 SH SOLE 0 0 0 11,435
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 4,268,700 90,000 SH SOLE 0 0 0 90,000
DISNEY WALT CO COM 254687106 985,011 7,943 SH SOLE 0 0 0 7,943
EATON CORP PLC SHS G29183103 346,994 972 SH SOLE 0 0 0 972
EBAY INC. COM 278642103 224,348 3,013 SH SOLE 0 0 0 3,013
ELI LILLY & CO COM 532457108 1,944,927 2,495 SH SOLE 0 0 0 2,495
EMERSON ELEC CO COM 291011104 2,355,674 17,668 SH SOLE 0 0 0 17,668
ENBRIDGE INC COM 29250N105 614,720 13,564 SH SOLE 0 0 0 13,564
EVERUS CONSTR GROUP COM 300426103 325,019 5,116 SH SOLE 0 0 0 5,116
EXXON MOBIL CORP COM 30231G102 2,905,965 26,957 SH SOLE 0 0 0 26,957
FEDEX CORP COM 31428X106 617,829 2,718 SH SOLE 0 0 0 2,718
FLEXSHARES TR MORNSTAR UPSTR 33939L407 450,756 11,238 SH SOLE 0 0 0 11,238
FLEXSHARES TR IBOXX 3R TARGT 33939L506 242,400 10,000 SH SOLE 0 0 0 10,000
GE AEROSPACE COM NEW 369604301 616,449 2,395 SH SOLE 0 0 0 2,395
GE VERNOVA INC COM 36828A101 323,311 611 SH SOLE 0 0 0 611
GEN DIGITAL INC COM 668771108 516,617 17,572 SH SOLE 0 0 0 17,572
GENERAC HLDGS INC COM 368736104 277,971 1,941 SH SOLE 0 0 0 1,941
GENERAL DYNAMICS CORP COM 369550108 1,120,266 3,841 SH SOLE 0 0 0 3,841
GENERAL MLS INC COM 370334104 623,171 12,028 SH SOLE 0 0 0 12,028
GENERAL MTRS CO COM 37045V100 372,028 7,560 SH SOLE 0 0 0 7,560
GENUINE PARTS CO COM 372460105 612,979 5,053 SH SOLE 0 0 0 5,053
GILEAD SCIENCES INC COM 375558103 554,239 4,999 SH SOLE 0 0 0 4,999
HANESBRANDS INC COM 410345102 90,913 19,850 SH SOLE 0 0 0 19,850
HOME DEPOT INC COM 437076102 423,469 1,155 SH SOLE 0 0 0 1,155
HONEYWELL INTL INC COM 438516106 306,004 1,314 SH SOLE 0 0 0 1,314
HUNTINGTON INGALLS INDS INC COM 446413106 717,378 2,971 SH SOLE 0 0 0 2,971
INTEL CORP COM 458140100 450,285 20,102 SH SOLE 0 0 0 20,102
INTERNATIONAL BUSINESS MACHS COM 459200101 3,885,200 13,180 SH SOLE 0 0 0 13,180
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449 478,589 4,352 SH SOLE 0 0 0 4,352
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 471,434 2,594 SH SOLE 0 0 0 2,594
INVESCO QQQ TR UNIT SER 1 46090E103 330,984 600 SH SOLE 0 0 0 600
ISHARES GOLD TR ISHARES NEW 464285204 14,237,474 228,311 SH SOLE 0 0 0 228,311
ISHARES TR U.S. MED DVC ETF 464288810 263,088 4,200 SH SOLE 0 0 0 4,200
ISHARES TR ESG OPTIMIZED 464288802 252,486 1,992 SH SOLE 0 0 0 1,992
ISHARES TR NATIONAL MUN ETF 464288414 5,192,656 49,700 SH SOLE 0 0 0 49,700
ISHARES TR ISHS 5-10YR INVT 464288638 2,338,099 43,875 SH SOLE 0 0 0 43,875
ISHARES TR SHORT TREAS BD 464288679 1,027,127 9,302 SH SOLE 0 0 0 9,302
ISHARES TR 7-10 YR TRSY BD 464287440 1,186,138 12,385 SH SOLE 0 0 0 12,385
ISHARES TR MSCI EMG MKT ETF 464287234 1,725,786 35,775 SH SOLE 0 0 0 35,775
ISHARES TR CORE US AGGBD ET 464287226 1,223,830 12,337 SH SOLE 0 0 0 12,337
ISHARES TR CORE S&P MCP ETF 464287507 4,164,457 67,147 SH SOLE 0 0 0 67,147
ISHARES TR CORE S&P SCP ETF 464287804 1,768,968 16,186 SH SOLE 0 0 0 16,186
ISHARES TR CORE S&P500 ETF 464287200 3,116,297 5,019 SH SOLE 0 0 0 5,019
ISHARES TR RUSSELL 2000 ETF 464287655 589,538 2,732 SH SOLE 0 0 0 2,732
ISHARES TR MSCI EAFE ETF 464287465 446,950 5,000 SH SOLE 0 0 0 5,000
ISHARES TR CORE DIV GRWTH 46434V621 2,384,834 37,298 SH SOLE 0 0 0 37,298
ISHARES TR CORE MSCI EAFE 46432F842 1,255,623 15,041 SH SOLE 0 0 0 15,041
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 7,122,466 140,538 SH SOLE 0 0 0 140,538
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 5,153,104 101,200 SH SOLE 0 0 0 101,200
JOHNSON & JOHNSON COM 478160104 1,467,011 9,604 SH SOLE 0 0 0 9,604
JPMORGAN CHASE & CO. COM 46625H100 5,191,418 17,907 SH SOLE 0 0 0 17,907
KNIFE RIVER CORP COMMON STOCK 498894104 417,670 5,116 SH SOLE 0 0 0 5,116
L3HARRIS TECHNOLOGIES INC COM 502431109 484,372 1,931 SH SOLE 0 0 0 1,931
LOCKHEED MARTIN CORP COM 539830109 944,806 2,040 SH SOLE 0 0 0 2,040
LOWES COS INC COM 548661107 871,505 3,928 SH SOLE 0 0 0 3,928
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 801,650 13,855 SH SOLE 0 0 0 13,855
MASTEC INC COM 576323109 246,271 1,445 SH SOLE 0 0 0 1,445
MASTERCARD INCORPORATED CL A 57636Q104 1,060,943 1,888 SH SOLE 0 0 0 1,888
MCDONALDS CORP COM 580135101 1,061,454 3,633 SH SOLE 0 0 0 3,633
MCKESSON CORP COM 58155Q103 966,537 1,319 SH SOLE 0 0 0 1,319
MDU RES GROUP INC COM 552690109 341,485 20,485 SH SOLE 0 0 0 20,485
MEDTRONIC PLC SHS G5960L103 415,278 4,764 SH SOLE 0 0 0 4,764
MERCK & CO INC COM 58933Y105 829,931 10,484 SH SOLE 0 0 0 10,484
META PLATFORMS INC CL A 30303M102 285,641 387 SH SOLE 0 0 0 387
MICROSOFT CORP COM 594918104 5,804,034 11,669 SH SOLE 0 0 0 11,669
MOLSON COORS BEVERAGE CO CL B 60871R209 1,084,910 22,560 SH SOLE 0 0 0 22,560
NETAPP INC COM 64110D104 908,872 8,530 SH SOLE 0 0 0 8,530
NEWELL BRANDS INC COM 651229106 65,475 12,125 SH SOLE 0 0 0 12,125
NORTHERN TR CORP COM 665859104 273,740 2,159 SH SOLE 0 0 0 2,159
NORTHROP GRUMMAN CORP COM 666807102 299,988 600 SH SOLE 0 0 0 600
NOVARTIS AG SPONSORED ADR 66987V109 647,282 5,349 SH SOLE 0 0 0 5,349
NOVO-NORDISK A S ADR 670100205 825,893 11,966 SH SOLE 0 0 0 11,966
NUCOR CORP COM 670346105 839,419 6,480 SH SOLE 0 0 0 6,480
ORACLE CORP COM 68389X105 977,713 4,472 SH SOLE 0 0 0 4,472
PACKAGING CORP AMER COM 695156109 391,222 2,076 SH SOLE 0 0 0 2,076
PAYCHEX INC COM 704326107 834,359 5,736 SH SOLE 0 0 0 5,736
PAYPAL HLDGS INC COM 70450Y103 426,820 5,743 SH SOLE 0 0 0 5,743
PEPSICO INC COM 713448108 771,642 5,844 SH SOLE 0 0 0 5,844
PFIZER INC COM 717081103 370,630 15,290 SH SOLE 0 0 0 15,290
PHILIP MORRIS INTL INC COM 718172109 294,868 1,619 SH SOLE 0 0 0 1,619
PHILLIPS 66 COM 718546104 296,222 2,483 SH SOLE 0 0 0 2,483
PPL CORP COM 69351T106 495,336 14,616 SH SOLE 0 0 0 14,616
PROCTER AND GAMBLE CO COM 742718109 742,750 4,662 SH SOLE 0 0 0 4,662
PRUDENTIAL FINL INC COM 744320102 606,714 5,647 SH SOLE 0 0 0 5,647
PUBLIC STORAGE OPER CO COM 74460D109 220,065 750 SH SOLE 0 0 0 750
QUALCOMM INC COM 747525103 570,629 3,583 SH SOLE 0 0 0 3,583
RTX CORPORATION COM 75513E101 558,819 3,827 SH SOLE 0 0 0 3,827
SALESFORCE INC COM 79466L302 295,051 1,082 SH SOLE 0 0 0 1,082
SANOFI SPONSORED ADR 80105N105 436,481 9,035 SH SOLE 0 0 0 9,035
SCHLUMBERGER LTD COM STK 806857108 282,467 8,357 SH SOLE 0 0 0 8,357
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,799,634 73,816 SH SOLE 0 0 0 73,816
SCHWAB STRATEGIC TR US REIT ETF 808524847 773,525 36,556 SH SOLE 0 0 0 36,556
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 212,911 9,634 SH SOLE 0 0 0 9,634
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 230,642 7,896 SH SOLE 0 0 0 7,896
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 270,281 9,768 SH SOLE 0 0 0 9,768
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 914,839 27,714 SH SOLE 0 0 0 27,714
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 577,609 4,002 SH SOLE 0 0 0 4,002
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,217,024 14,350 SH SOLE 0 0 0 14,350
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 988,863 3,905 SH SOLE 0 0 0 3,905
SNOWFLAKE INC CL A 833445109 263,154 1,176 SH SOLE 0 0 0 1,176
SPDR GOLD TR GOLD SHS 78463V107 765,123 2,510 SH SOLE 0 0 0 2,510
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 305,497 7,545 SH SOLE 0 0 0 7,545
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,810,899 6,168 SH SOLE 0 0 0 6,168
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,062,716 1,876 SH SOLE 0 0 0 1,876
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 643,840 25,150 SH SOLE 0 0 0 25,150
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 621,566 18,510 SH SOLE 0 0 0 18,510
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 5,951,718 64,883 SH SOLE 0 0 0 64,883
SPDR SERIES TRUST S&P DIVID ETF 78464A763 950,110 7,000 SH SOLE 0 0 0 7,000
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 217,996 4,165 SH SOLE 0 0 0 4,165
SPROTT PHYSICAL GOLD TR UNIT 85207H104 294,390 11,613 SH SOLE 0 0 0 11,613
STARBUCKS CORP COM 855244109 410,319 4,478 SH SOLE 0 0 0 4,478
STRYKER CORPORATION COM 863667101 350,133 885 SH SOLE 0 0 0 885
SYNOPSYS INC COM 871607107 297,354 580 SH SOLE 0 0 0 580
T-MOBILE US INC COM 872590104 272,569 1,144 SH SOLE 0 0 0 1,144
TARGET CORP COM 87612E106 503,115 5,100 SH SOLE 0 0 0 5,100
TJX COS INC NEW COM 872540109 599,544 4,855 SH SOLE 0 0 0 4,855
TRADEWEB MKTS INC CL A 892672106 332,035 2,268 SH SOLE 0 0 0 2,268
TRAVELERS COMPANIES INC COM 89417E109 1,089,423 4,072 SH SOLE 0 0 0 4,072
TYSON FOODS INC CL A 902494103 400,027 7,151 SH SOLE 0 0 0 7,151
UNION PAC CORP COM 907818108 422,197 1,835 SH SOLE 0 0 0 1,835
UNITED PARCEL SERVICE INC CL B 911312106 471,390 4,670 SH SOLE 0 0 0 4,670
US BANCORP DEL COM NEW 902973304 489,379 10,815 SH SOLE 0 0 0 10,815
VALERO ENERGY CORP COM 91913Y100 449,769 3,346 SH SOLE 0 0 0 3,346
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,002,764 76,274 SH SOLE 0 0 0 76,274
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 5,165,195 31,407 SH SOLE 0 0 0 31,407
VANGUARD INDEX FDS VALUE ETF 922908744 2,471,179 13,982 SH SOLE 0 0 0 13,982
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,105,339 15,924 SH SOLE 0 0 0 15,924
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 324,446 3,643 SH SOLE 0 0 0 3,643
VANGUARD INDEX FDS SMALL CP ETF 922908751 334,142 1,410 SH SOLE 0 0 0 1,410
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,313,375 14,192 SH SOLE 0 0 0 14,192
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 794,540 11,820 SH SOLE 0 0 0 11,820
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 503,602 10,182 SH SOLE 0 0 0 10,182
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,944,240 35,507 SH SOLE 0 0 0 35,507
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,418,262 42,997 SH SOLE 0 0 0 42,997
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,616,724 27,031 SH SOLE 0 0 0 27,031
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 212,975 3,795 SH SOLE 0 0 0 3,795
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,937,032 19,236 SH SOLE 0 0 0 19,236
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,236,319 21,686 SH SOLE 0 0 0 21,686
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 3,955,441 29,671 SH SOLE 0 0 0 29,671
VERIZON COMMUNICATIONS INC COM 92343V104 1,666,284 38,509 SH SOLE 0 0 0 38,509
VERTEX PHARMACEUTICALS INC COM 92532F100 392,221 881 SH SOLE 0 0 0 881
VIATRIS INC COM 92556V106 192,683 21,577 SH SOLE 0 0 0 21,577
VIRTU FINL INC CL A 928254101 863,506 19,279 SH SOLE 0 0 0 19,279
VISA INC COM CL A 92826C839 357,890 1,008 SH SOLE 0 0 0 1,008
WALGREENS BOOTS ALLIANCE INC COM 931427108 154,119 13,425 SH SOLE 0 0 0 13,425
WALMART INC COM 931142103 424,659 4,343 SH SOLE 0 0 0 4,343
WASTE MGMT INC DEL COM 94106L109 664,036 2,902 SH SOLE 0 0 0 2,902
WELLS FARGO CO NEW COM 949746101 253,500 3,164 SH SOLE 0 0 0 3,164
XYLEM INC COM 98419M100 593,245 4,586 SH SOLE 0 0 0 4,586
ZOETIS INC CL A 98978V103 473,152 3,034 SH SOLE 0 0 0 3,034