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
ABBOTT LABS COM 002824100 359,550 3,502 SH SOLE 0 0 3,502
ABBVIE INC COM 00287Y109 2,669,656 12,274 SH SOLE 0 0 12,274
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,619,681 8,168 SH SOLE 0 0 8,168
ADVANCED MICRO DEVICES INC COM 007903107 375,938 1,848 SH SOLE 0 0 1,848
AFLAC INC COM 001055102 426,223 3,885 SH SOLE 0 0 3,885
AIR PRODS & CHEMS INC COM 009158106 1,907,311 6,565 SH SOLE 0 0 6,565
ALPHABET INC CAP STK CL A 02079K305 1,300,672 4,523 SH SOLE 0 0 4,523
ALPHABET INC CAP STK CL C 02079K107 873,621 3,045 SH SOLE 0 0 3,045
ALTRIA GROUP INC COM 02209S103 2,397,497 36,331 SH SOLE 0 0 36,331
AMAZON COM INC COM 023135106 1,267,739 6,087 SH SOLE 0 0 6,087
AMERICAN EXPRESS CO COM 025816109 614,941 2,033 SH SOLE 0 0 2,033
AMGEN INC COM 031162100 2,866,344 8,146 SH SOLE 0 0 8,146
APPLE INC COM 037833100 6,033,391 23,773 SH SOLE 0 0 23,773
APPLIED MATLS INC COM 038222105 414,626 1,213 SH SOLE 0 0 1,213
AT&T INC COM 00206R102 364,549 12,575 SH SOLE 0 0 12,575
AUTOMATIC DATA PROCESSING IN COM 053015103 1,621,287 7,979 SH SOLE 0 0 7,979
BANK AMERICA CORP COM 060505104 2,498,745 51,256 SH SOLE 0 0 51,256
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 443,739 926 SH SOLE 0 0 926
BLACKROCK INC COM 09290D101 2,170,051 2,256 SH SOLE 0 0 2,256
BROADCOM INC COM 11135F101 5,908,633 19,090 SH SOLE 0 0 19,090
CATERPILLAR INC COM 149123101 3,153,487 4,451 SH SOLE 0 0 4,451
CHEVRON CORP NEW COM 166764100 3,204,424 15,487 SH SOLE 0 0 15,487
CISCO SYS INC COM 17275R102 606,753 7,820 SH SOLE 0 0 7,820
COCA COLA CO COM 191216100 1,785,866 23,482 SH SOLE 0 0 23,482
COMCAST CORP NEW CL A 20030N101 1,637,508 57,036 SH SOLE 0 0 57,036
CONOCOPHILLIPS COM 20825C104 1,118,508 8,473 SH SOLE 0 0 8,473
COSTCO WHSL CORP NEW COM 22160K105 451,382 453 SH SOLE 0 0 453
CUMMINS INC COM 231021106 1,034,612 1,923 SH SOLE 0 0 1,923
DOLLAR GEN CORP NEW COM 256677105 1,954,016 16,457 SH SOLE 0 0 16,457
DUKE ENERGY CORP NEW COM NEW 26441C204 2,215,935 16,923 SH SOLE 0 0 16,923
ELI LILLY & CO COM 532457108 295,246 321 SH SOLE 0 0 321
EOG RES INC COM 26875P101 1,230,761 8,513 SH SOLE 0 0 8,513
EVERUS CONSTR GROUP COM 300426103 418,286 3,543 SH SOLE 0 0 3,543
EXXON MOBIL CORP COM 30231G102 5,925,742 34,927 SH SOLE 0 0 34,927
FEDEX CORP COM 31428X106 2,068,693 5,808 SH SOLE 0 0 5,808
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 2,306,711 41,758 SH SOLE 0 0 41,758
FIDELITY NATL INFORMATION SV COM 31620M106 2,432,615 51,857 SH SOLE 0 0 51,857
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506 1,070,698 15,681 SH SOLE 0 0 15,681
FIRST TR EXCHANGE-TRADED FD FT VEST S&P 500 33739Q705 1,650,104 33,876 SH SOLE 0 0 33,876
FIRST TR EXCHANGE-TRADED FD RBA INDL ETF 33738R704 10,976,752 99,086 SH SOLE 0 0 99,086
FIRST TR EXCHANGE-TRADED FD SMID RISNG ETF 33741X102 11,563,107 293,256 SH SOLE 0 0 293,256
FIRST TR EXCHNG TRADED FD VI FT VEST LADDERED 33740F755 1,738,280 51,474 SH SOLE 0 0 51,474
FIRST TR EXCHNG TRADED FD VI FT VEST LADDERED 33740U703 3,744,525 133,733 SH SOLE 0 0 133,733
FIRST TR EXCHNG TRADED FD VI FT VEST LADDERED 33744U105 6,984,816 335,452 SH SOLE 0 0 335,452
FIRST TR EXCHNG TRADED FD VI FT VEST U.S. 33740U406 1,632,869 36,876 SH SOLE 0 0 36,876
FIRST TR EXCHNG TRADED FD VI FT VEST US 33740F771 1,903,800 40,190 SH SOLE 0 0 40,190
FIRST TR EXCHNG TRADED FD VI FT VEST US 33740F631 5,292,433 124,440 SH SOLE 0 0 124,440
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F680 651,247 14,814 SH SOLE 0 0 14,814
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F839 3,194,619 66,686 SH SOLE 0 0 66,686
FIRST TR EXCHNG TRADED FD VI FT VEST US EQUIT 33740U455 278,178 8,479 SH SOLE 0 0 8,479
FIRST TR EXCHNG TRADED FD VI FT VEST US EQUIT 33740U497 17,693,446 541,614 SH SOLE 0 0 541,614
FIRST TR EXCHNG TRADED FD VI VEST US EQTY MAX 33740U356 351,599 10,892 SH SOLE 0 0 10,892
HERSHEY CO COM 427866108 2,007,371 9,655 SH SOLE 0 0 9,655
HOME DEPOT INC COM 437076102 1,890,484 5,748 SH SOLE 0 0 5,748
ILLINOIS TOOL WKS INC COM 452308109 1,839,801 7,068 SH SOLE 0 0 7,068
INTUIT COM 461202103 1,237,874 2,862 SH SOLE 0 0 2,862
INVESCO EXCH TRD SLF IDX FD BULLETSHARE 2034 46139W767 500,511 20,633 SH SOLE 0 0 20,633
INVESCO EXCH TRD SLF IDX FD BULLETSHS 31 MUN 46138J411 4,217,632 201,991 SH SOLE 0 0 201,991
INVESCO EXCH TRD SLF IDX FD BULLETSHS 32 MUN 46139W833 4,010,284 161,355 SH SOLE 0 0 161,355
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510 2,960,519 125,313 SH SOLE 0 0 125,313
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494 4,066,382 171,911 SH SOLE 0 0 171,911
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486 3,930,908 168,022 SH SOLE 0 0 168,022
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478 3,828,834 166,299 SH SOLE 0 0 166,299
INVESCO EXCH TRD SLF IDX FD INVESCO BULLETSH 46139W791 3,679,124 144,742 SH SOLE 0 0 144,742
INVESCO EXCH TRD SLF IDX FD INVSC 30 MUNI BD 46138J445 4,063,727 186,295 SH SOLE 0 0 186,295
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 4,759,516 100,137 SH SOLE 0 0 100,137
INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV 46137V563 325,672 15,205 SH SOLE 0 0 15,205
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 9,551,827 175,102 SH SOLE 0 0 175,102
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 11,222,010 108,561 SH SOLE 0 0 108,561
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381 2,387,912 44,610 SH SOLE 0 0 44,610
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 6,086,992 31,716 SH SOLE 0 0 31,716
INVESCO QQQ TR UNIT SER 1 46090E103 735,327 1,274 SH SOLE 0 0 1,274
ISHARES TR CORE S&P MCP ETF 464287507 8,534,199 126,376 SH SOLE 0 0 126,376
ISHARES TR CORE S&P500 ETF 464287200 13,091,626 20,041 SH SOLE 0 0 20,041
ISHARES TR EXPANDED TECH 464287515 2,213,142 27,647 SH SOLE 0 0 27,647
ISHARES TR IBDS DEC28 ETF 46435U515 3,540,610 139,779 SH SOLE 0 0 139,779
ISHARES TR IBONDS 27 ETF 46435UAA9 3,530,042 145,628 SH SOLE 0 0 145,628
ISHARES TR IBONDS DEC 2030 46436E726 3,552,736 162,299 SH SOLE 0 0 162,299
ISHARES TR IBONDS DEC 2031 46436E486 3,566,682 170,410 SH SOLE 0 0 170,410
ISHARES TR IBONDS DEC 2032 46436E312 3,478,230 137,642 SH SOLE 0 0 137,642
ISHARES TR IBONDS DEC 2033 46436E130 3,322,796 128,541 SH SOLE 0 0 128,541
ISHARES TR IBONDS DEC 29 46436E205 3,543,446 152,340 SH SOLE 0 0 152,340
ISHARES TR IBONDS DEC2026 46435GAA0 3,459,991 142,738 SH SOLE 0 0 142,738
ISHARES TR INTL SEL DIV ETF 464288448 800,803 18,815 SH SOLE 0 0 18,815
ISHARES TR MSCI EAFE ETF 464287465 11,924,402 122,767 SH SOLE 0 0 122,767
ISHARES TR MSCI INTL QUALTY 46434V456 226,295 4,895 SH SOLE 0 0 4,895
ISHARES TR NATIONAL MUN ETF 464288414 5,764,475 54,305 SH SOLE 0 0 54,305
ISHARES TR RUS 1000 ETF 464287622 3,434,747 9,633 SH SOLE 0 0 9,633
ISHARES TR RUS 1000 GRW ETF 464287614 298,053 699 SH SOLE 0 0 699
ISHARES TR RUS 1000 VAL ETF 464287598 2,815,743 13,178 SH SOLE 0 0 13,178
ISHARES TR SELECT DIVID ETF 464287168 1,562,761 10,321 SH SOLE 0 0 10,321
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308 294,604 4,742 SH SOLE 0 0 4,742
JOHNSON & JOHNSON COM 478160104 3,138,696 12,840 SH SOLE 0 0 12,840
JPMORGAN CHASE & CO COM 46625H100 3,804,524 12,933 SH SOLE 0 0 12,933
KINDER MORGAN INC DEL COM 49456B101 2,901,953 86,547 SH SOLE 0 0 86,547
KNIFE RIVER CORP COMMON STOCK 498894104 289,285 3,543 SH SOLE 0 0 3,543
KROGER CO COM 501044101 2,365,907 32,696 SH SOLE 0 0 32,696
LAM RESEARCH CORP COM NEW 512807306 6,776,387 31,715 SH SOLE 0 0 31,715
LOCKHEED MARTIN CORP COM 539830109 2,617,396 4,330 SH SOLE 0 0 4,330
MASTERCARD INCORPORATED CL A 57636Q104 241,254 482 SH SOLE 0 0 482
MCDONALDS CORP COM 580135101 2,625,637 8,448 SH SOLE 0 0 8,448
MDU RES GROUP INC COM 552690109 293,706 14,175 SH SOLE 0 0 14,175
MERCK & CO INC COM 58933Y105 2,736,600 22,750 SH SOLE 0 0 22,750
META PLATFORMS INC CL A 30303M102 718,744 1,256 SH SOLE 0 0 1,256
METLIFE INC COM 59156R108 1,977,521 27,962 SH SOLE 0 0 27,962
MICROSOFT CORP COM 594918104 3,912,719 10,570 SH SOLE 0 0 10,570
MORGAN STANLEY COM NEW 617446448 286,022 1,738 SH SOLE 0 0 1,738
NETFLIX INC COM 64110L106 256,047 2,663 SH SOLE 0 0 2,663
NIKE INC CL B 654106103 1,396,924 26,446 SH SOLE 0 0 26,446
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101 133,383 10,951 SH SOLE 0 0 10,951
NVIDIA CORPORATION COM 67066G104 1,776,758 10,187 SH SOLE 0 0 10,187
ORACLE CORP COM 68389X105 217,721 1,479 SH SOLE 0 0 1,479
OWENS CORNING NEW COM 690742101 1,495,433 13,818 SH SOLE 0 0 13,818
PALANTIR TECHNOLOGIES INC CL A 69608A108 525,145 3,590 SH SOLE 0 0 3,590
PEPSICO INC COM 713448108 462,453 2,978 SH SOLE 0 0 2,978
PNC FINL SVCS GROUP INC COM 693475105 1,932,382 9,286 SH SOLE 0 0 9,286
PROCTER AND GAMBLE CO COM 742718109 228,359 1,581 SH SOLE 0 0 1,581
QUALCOMM INC COM 747525103 1,870,734 14,526 SH SOLE 0 0 14,526
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 364,612 14,526 SH SOLE 0 0 14,526
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,504,403 49,035 SH SOLE 0 0 49,035
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 244,536 1,840 SH SOLE 0 0 1,840
SHOPIFY INC CL A SUB VTG SHS 82509L107 600,098 5,059 SH SOLE 0 0 5,059
SMITH A O CORP COM 831865209 1,825,024 27,677 SH SOLE 0 0 27,677
SPDR GOLD TR GOLD SHS 78463V107 237,089 551 SH SOLE 0 0 551
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,332,745 2,049 SH SOLE 0 0 2,049
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 3,626,567 5,880 SH SOLE 0 0 5,880
SPDR SER TR PORTFOLIO AGRGTE 78464A649 3,234,452 126,247 SH SOLE 0 0 126,247
SPDR SER TR PORTFOLIO S&P400 78464A847 325,413 5,495 SH SOLE 0 0 5,495
SPDR SER TR PORTFOLIO S&P600 78468R853 325,241 6,731 SH SOLE 0 0 6,731
SPDR SER TR RUSSELL YIELD 78468R770 1,534,716 12,784 SH SOLE 0 0 12,784
SPDR SER TR S&P DIVID ETF 78464A763 9,279,953 63,587 SH SOLE 0 0 63,587
STELLAR BANCORP INC COM 858927106 561,524 15,338 SH SOLE 0 0 15,338
STRYKER CORPORATION COM 863667101 260,571 793 SH SOLE 0 0 793
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 635,617 14,387 SH SOLE 0 0 14,387
TARGET CORP COM 87612E106 2,072,583 17,100 SH SOLE 0 0 17,100
UNITEDHEALTH GROUP INC COM 91324P102 1,218,330 4,502 SH SOLE 0 0 4,502
VALERO ENERGY CORP COM 91913Y100 494,160 2,000 SH SOLE 0 0 2,000
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,068,162 5,190 SH SOLE 0 0 5,190
VANGUARD INDEX FDS GROWTH ETF 922908736 286,680 656 SH SOLE 0 0 656
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 13,139,431 21,988 SH SOLE 0 0 21,988
VANGUARD INDEX FDS SM CP VAL ETF 922908611 525,497 2,418 SH SOLE 0 0 2,418
VANGUARD INDEX FDS TOTAL STK MKT 922908769 26,037,870 81,162 SH SOLE 0 0 81,162
VANGUARD INDEX FDS VALUE ETF 922908744 744,265 3,793 SH SOLE 0 0 3,793
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,318,937 46,481 SH SOLE 0 0 46,481
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 210,051 2,649 SH SOLE 0 0 2,649
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 515,104 4,696 SH SOLE 0 0 4,696
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 5,347,489 18,119 SH SOLE 0 0 18,119
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 471,334 1,639 SH SOLE 0 0 1,639
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 245,598 1,142 SH SOLE 0 0 1,142
VANGUARD STAR FDS VG TL INTL STK F 921909768 213,826 2,773 SH SOLE 0 0 2,773
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 32,486,541 506,968 SH SOLE 0 0 506,968
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,725,743 18,404 SH SOLE 0 0 18,404
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 8,442,137 89,581 SH SOLE 0 0 89,581
VERIZON COMMUNICATIONS INC COM 92343V104 2,141,725 42,663 SH SOLE 0 0 42,663
VISA INC COM CL A 92826C839 467,806 1,547 SH SOLE 0 0 1,547
VISTRA CORP COM 92840M102 246,992 1,643 SH SOLE 0 0 1,643
WALMART INC COM 931142103 1,003,126 8,071 SH SOLE 0 0 8,071
WEC ENERGY GROUP INC COM 92939U106 1,500,794 12,963 SH SOLE 0 0 12,963
WILLIAMS COS INC COM 969457100 530,129 7,284 SH SOLE 0 0 7,284
WILLIAMS SONOMA INC COM 969904101 3,327,972 18,252 SH SOLE 0 0 18,252
WISDOMTREE TR JAPN HEDGE EQT 97717W851 11,146,008 70,286 SH SOLE 0 0 70,286
WISDOMTREE TR US HIGH DIVIDEND 97717W208 5,982,834 54,777 SH SOLE 0 0 54,777
WISDOMTREE TR US MIDCAP DIVID 97717W505 12,146,781 231,191 SH SOLE 0 0 231,191
WISDOMTREE TR US S CAP QTY DIV 97717X651 859,240 16,225 SH SOLE 0 0 16,225
WISDOMTREE TR US SMALLCAP FUND 97717W562 391,820 6,749 SH SOLE 0 0 6,749
ZOETIS INC CL A 98978V103 1,459,652 12,347 SH SOLE 0 0 12,347