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
ALERUS FINL CORP COM 01446U103 1,088,038 50,279 SH SOLE 50,279 0 0
APPLE INC COM 037833100 2,639,717 12,866 SH SOLE 12,866 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,228,027 2,528 SH SOLE 2,528 0 0
BNY MELLON ETF TRUST US LRG CP CORE 09661T107 2,396,026 20,232 SH SOLE 20,232 0 0
DEVON ENERGY CORP NEW COM 25179M103 229,159 7,204 SH SOLE 7,204 0 0
DRAFTKINGS INC NEW COM CL A 26142V105 312,754 7,292 SH SOLE 7,292 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 20,810,235 114,506 SH SOLE 114,506 0 0
ISHARES TR CORE 60/40 BALAN 464289867 6,571,673 106,735 SH SOLE 106,735 0 0
ISHARES TR IBOXX HI YD ETF 464288513 5,445,492 67,520 SH SOLE 67,520 0 0
ISHARES TR S&P 100 ETF 464287101 18,350,491 60,294 SH SOLE 60,294 0 0
ISHARES TR TIPS BD ETF 464287176 11,436,436 103,930 SH SOLE 103,930 0 0
ISHARES TR CORE 40/60 MODER 464289875 404,323 8,782 SH SOLE 8,782 0 0
ISHARES TR CORE 80/20 AGGRE 464289859 2,474,061 29,665 SH SOLE 29,665 0 0
ISHARES TR CORE 30/70 CONSE 464289883 674,036 17,252 SH SOLE 17,252 0 0
ISHARES TR CORE US AGGBD ET 464287226 232,723 2,346 SH SOLE 2,346 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 245,293 5,042 SH SOLE 5,042 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 348,003 7,214 SH SOLE 7,214 0 0
ISHARES TR CORE MSCI EAFE 46432F842 235,914 2,826 SH SOLE 2,826 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 270,924 3,165 SH SOLE 3,165 0 0
MICROSOFT CORP COM 594918104 1,190,302 2,393 SH SOLE 2,393 0 0
NVIDIA CORPORATION COM 67066G104 220,396 1,395 SH SOLE 1,395 0 0
OTTER TAIL CORP COM 689648103 326,707 4,238 SH SOLE 4,238 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 6,166,693 186,813 SH SOLE 186,813 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 12,043,493 490,770 SH SOLE 490,770 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 17,625,572 615,203 SH SOLE 615,203 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 209,305 5,230 SH SOLE 5,230 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698 422,679 7,117 SH SOLE 7,117 0 0
TARGET CORP COM 87612E106 304,237 3,084 SH SOLE 3,084 0 0
UNITEDHEALTH GROUP INC COM 91324P102 315,714 1,012 SH SOLE 1,012 0 0
US BANCORP DEL COM NEW 902973304 1,627,416 35,965 SH SOLE 35,965 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 10,962,441 139,294 SH SOLE 139,294 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 766,277 2,521 SH SOLE 2,521 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 816,259 1,437 SH SOLE 1,437 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 20,423,470 358,244 SH SOLE 358,244 0 0