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 638,411 3,943 SH SOLE 0 0 0 3,943
ABBOTT LABORATORIES COM 002824100 371,762 4,097 SH SOLE 0 0 0 4,097
ABBVIE INC COM 00287Y109 2,693,303 10,703 SH SOLE 0 0 0 10,703
ADOBE INC COM 00724F101 523,621 2,554 SH SOLE 0 0 0 2,554
AFLAC INC COM 001055102 2,614,675 22,300 SH SOLE 0 0 0 22,300
AKAMAI TECHNOLOGIES INC COM 00971T101 944,971 7,994 SH SOLE 0 0 0 7,994
ALPHABET INC CAP STK CL A 02079K305 5,054,798 14,144 SH SOLE 0 0 0 14,144
ALPHABET INC CAP STK CL C 02079K107 407,743 1,154 SH SOLE 0 0 0 1,154
ALTRIA GROUP INC COM 02209S103 467,243 6,494 SH SOLE 0 0 0 6,494
AMAZON COM INC COM 023135106 448,318 1,881 SH SOLE 0 0 0 1,881
AMERICAN EXPRESS CO COM 025816109 478,962 1,416 SH SOLE 0 0 0 1,416
AMERICAN TOWER CORP COM 03027X100 1,545,737 9,450 SH SOLE 0 0 0 9,450
AMERICAN WTR WKS CO INC NEW COM 030420103 487,767 3,707 SH SOLE 0 0 0 3,707
AMGEN INC COM 031162100 2,541,358 7,018 SH SOLE 0 0 0 7,018
ANALOG DEVICES INC COM 032654105 249,820 629 SH SOLE 0 0 0 629
APPLE INC COM 037833100 3,806,960 13,156 SH SOLE 0 0 0 13,156
APPLIED MATLS INC COM 038222105 1,729,416 2,392 SH SOLE 0 0 0 2,392
ARCHER DANIELS MIDLAND CO COM 039483102 292,306 3,826 SH SOLE 0 0 0 3,826
AT&T INC COM 00206R102 677,801 32,744 SH SOLE 0 0 0 32,744
BANK OF AMER CORP COM 060505104 918,469 16,119 SH SOLE 0 0 0 16,119
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 856,167 1,711 SH SOLE 0 0 0 1,711
BLACKROCK INC COM 09290D101 960,598 999 SH SOLE 0 0 0 999
BRISTOL-MYERS SQUIBB CO COM 110122108 1,390,774 24,137 SH SOLE 0 0 0 24,137
BROADCOM INC COM 11135F101 2,661,249 7,045 SH SOLE 0 0 0 7,045
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 246,510 1,800 SH SOLE 0 0 0 1,800
BUNGE GLOBAL SA COM SHS H11356104 362,882 3,400 SH SOLE 0 0 0 3,400
CARDINAL HEALTH INC COM 14149Y108 3,764,138 15,845 SH SOLE 0 0 0 15,845
CATERPILLAR INC COM 149123101 642,135 603 SH SOLE 0 0 0 603
CHENIERE ENERGY INC COM NEW 16411R208 286,812 1,200 SH SOLE 0 0 0 1,200
CHEVRON CORPORATION COM 166764100 1,917,843 11,570 SH SOLE 0 0 0 11,570
CISCO SYS INC COM 17275R102 7,542,929 64,217 SH SOLE 0 0 0 64,217
COCA COLA CO COM 191216100 503,711 6,198 SH SOLE 0 0 0 6,198
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 542,607 14,010 SH SOLE 0 0 0 14,010
COHERENT CORP COM 19247G107 970,791 2,461 SH SOLE 0 0 0 2,461
COMCAST CORP NEW CL A 20030N101 342,055 13,933 SH SOLE 0 0 0 13,933
COSTCO WHOLESALE CORPORATION COM 22160K105 2,430,351 2,598 SH SOLE 0 0 0 2,598
CVS HEALTH CORP COM 126650100 1,129,053 10,914 SH SOLE 0 0 0 10,914
DEERE & CO COM 244199105 204,889 323 SH SOLE 0 0 0 323
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 12,984,098 314,766 SH SOLE 0 0 0 314,766
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 8,754,553 106,322 SH SOLE 0 0 0 106,322
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,188,999 17,010 SH SOLE 0 0 0 17,010
DIMENSIONAL ETF TRUST SHOR DUR FIX ETF 25434V864 1,585,300 33,200 SH SOLE 0 0 0 33,200
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 8,419,957 174,200 SH SOLE 0 0 0 174,200
DIMENSIONAL ETF TRUST ULTR FIX INC ETF 25434V591 1,964,881 38,694 SH SOLE 0 0 0 38,694
DISNEY WALT CO COM 254687106 942,865 9,796 SH SOLE 0 0 0 9,796
EATON CORP PLC SHS G29183103 375,838 882 SH SOLE 0 0 0 882
EBAY INC. COM 278642103 461,751 4,132 SH SOLE 0 0 0 4,132
ELI LILLY & CO COM 532457108 2,786,276 2,323 SH SOLE 0 0 0 2,323
EMERSON ELEC CO COM 291011104 2,568,254 17,941 SH SOLE 0 0 0 17,941
ENBRIDGE INC COM 29250N105 735,304 13,564 SH SOLE 0 0 0 13,564
EVERUS CONSTR GROUP COM 300426103 849,000 5,116 SH SOLE 0 0 0 5,116
EXXON MOBIL CORP COM 30231G102 3,718,511 27,198 SH SOLE 0 0 0 27,198
FASTENAL CO COM 311900104 216,807 4,514 SH SOLE 0 0 0 4,514
FEDEX CORP COM 31428X106 851,087 2,718 SH SOLE 0 0 0 2,718
FEDEX FGHT HLDG CO INC COMMON STOCK 314352105 204,907 1,357 SH SOLE 0 0 0 1,357
FLEXSHARES TR MORNSTAR UPSTR 33939L407 553,809 11,238 SH SOLE 0 0 0 11,238
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108 551,088 12,900 SH SOLE 0 0 0 12,900
GE AEROSPACE COM NEW 369604301 895,083 2,395 SH SOLE 0 0 0 2,395
GE VERNOVA INC COM 36828A101 717,839 611 SH SOLE 0 0 0 611
GEN DIGITAL INC COM 668771108 559,751 22,489 SH SOLE 0 0 0 22,489
GENERAC HLDGS INC COM 368736104 722,069 2,466 SH SOLE 0 0 0 2,466
GENERAL DYNAMICS CORP COM 369550108 1,438,569 4,061 SH SOLE 0 0 0 4,061
GENERAL MILLS INC COM 370334104 833,843 23,961 SH SOLE 0 0 0 23,961
GENERAL MTRS CO COM 37045V100 534,164 6,930 SH SOLE 0 0 0 6,930
GENUINE PARTS CO COM 372460105 694,076 5,883 SH SOLE 0 0 0 5,883
GILEAD SCIENCES INC COM 375558103 631,574 4,999 SH SOLE 0 0 0 4,999
HOME DEPOT INC COM 437076102 454,252 1,288 SH SOLE 0 0 0 1,288
HUNTINGTON INGALLS INDS INC COM 446413106 845,268 3,020 SH SOLE 0 0 0 3,020
ILLINOIS TOOL WKS INC COM 452308109 392,182 1,450 SH SOLE 0 0 0 1,450
INNOVATOR ETFS TRUST QUITY MANAGD FLR 45783Y673 258,409 6,698 SH SOLE 0 0 0 6,698
INTEL CORP COM 458140100 2,461,817 17,631 SH SOLE 0 0 0 17,631
INTERNATIONAL BUSINESS MACHS COM 459200101 3,715,065 13,211 SH SOLE 0 0 0 13,211
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 551,925 2,594 SH SOLE 0 0 0 2,594
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449 10,874,709 84,287 SH SOLE 0 0 0 84,287
INVESCO QQQ TR UNIT SER 1 46090E103 441,840 600 SH SOLE 0 0 0 600
ISHARES GOLD TR ISHARES NEW 464285204 16,374,419 216,851 SH SOLE 0 0 0 216,851
ISHARES TR US AER DEF ETF 464288760 293,328 1,210 SH SOLE 0 0 0 1,210
ISHARES TR ESG OPTIMIZED 464288802 349,798 2,267 SH SOLE 0 0 0 2,267
ISHARES TR NATIONAL MUN ETF 464288414 5,456,334 50,700 SH SOLE 0 0 0 50,700
ISHARES TR ISHS 5-10YR INVT 464288638 2,363,991 44,461 SH SOLE 0 0 0 44,461
ISHARES TR CORE US AGGBD ET 464287226 1,354,244 13,682 SH SOLE 0 0 0 13,682
ISHARES TR MSCI EMG MKT ETF 464287234 2,447,368 35,775 SH SOLE 0 0 0 35,775
ISHARES TR CORE S&P MCP ETF 464287507 5,124,114 66,452 SH SOLE 0 0 0 66,452
ISHARES TR CORE S&P SCP ETF 464287804 2,400,546 16,186 SH SOLE 0 0 0 16,186
ISHARES TR CORE S&P500 ETF 464287200 4,661,091 6,224 SH SOLE 0 0 0 6,224
ISHARES TR RUSSELL 2000 ETF 464287655 898,946 2,992 SH SOLE 0 0 0 2,992
ISHARES TR MSCI EAFE ETF 464287465 519,400 5,000 SH SOLE 0 0 0 5,000
ISHARES TR 7-10 YR TRSY BD 464287440 1,098,402 11,615 SH SOLE 0 0 0 11,615
ISHARES TR ULTRA SHORT DUR 46434V878 341,415 6,750 SH SOLE 0 0 0 6,750
ISHARES TR CORE DIV GRWTH 46434V621 2,856,752 37,693 SH SOLE 0 0 0 37,693
ISHARES TR 0-5YR HI YL CP 46434V407 210,990 4,975 SH SOLE 0 0 0 4,975
ISHARES TR CORE MSCI TOTAL 46432F834 223,711 2,344 SH SOLE 0 0 0 2,344
ISHARES TR CORE MSCI EAFE 46432F842 1,452,660 15,041 SH SOLE 0 0 0 15,041
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 6,336,067 125,293 SH SOLE 0 0 0 125,293
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 5,426,400 106,400 SH SOLE 0 0 0 106,400
JOHNSON & JOHNSON COM 478160104 2,619,447 10,314 SH SOLE 0 0 0 10,314
JPMORGAN CHASE & CO COM 46625H100 5,968,863 18,235 SH SOLE 0 0 0 18,235
KLA CORP COM NEW 482480100 392,223 1,300 SH SOLE 0 0 0 1,300
KNIFE RIVER CORP COMMON STOCK 498894104 427,953 5,116 SH SOLE 0 0 0 5,116
L3HARRIS TECHNOLOGIES INC COM 502431109 561,129 1,931 SH SOLE 0 0 0 1,931
LOCKHEED MARTIN CORP COM 539830109 810,041 1,590 SH SOLE 0 0 0 1,590
LOWES COS INC COM 548661107 971,699 4,407 SH SOLE 0 0 0 4,407
LYONDELLBASELL INDUSTRIES NV SHS - A - N53745100 405,668 7,705 SH SOLE 0 0 0 7,705
MASTEC INC COM 576323109 601,207 1,445 SH SOLE 0 0 0 1,445
MASTERCARD INCORPORATED CL A 57636Q104 1,067,261 2,078 SH SOLE 0 0 0 2,078
MCDONALDS CORP COM 580135101 992,578 3,672 SH SOLE 0 0 0 3,672
MCKESSON CORP COM 58155Q103 883,296 1,169 SH SOLE 0 0 0 1,169
MDU RES GROUP INC COM 552690109 434,487 20,485 SH SOLE 0 0 0 20,485
MEDTRONIC PLC SHS G5960L103 523,124 6,687 SH SOLE 0 0 0 6,687
MERCK & CO INC COM 58933Y105 1,397,979 10,879 SH SOLE 0 0 0 10,879
META PLATFORMS INC CL A 30303M102 203,917 362 SH SOLE 0 0 0 362
MICROSOFT CORP COM 594918104 4,513,451 12,100 SH SOLE 0 0 0 12,100
MOLSON COORS BEVERAGE CO CL B 60871R209 392,288 10,069 SH SOLE 0 0 0 10,069
NETAPP INC COM 64110D104 1,475,018 9,531 SH SOLE 0 0 0 9,531
NEWMONT CORP COM 651639106 261,240 2,797 SH SOLE 0 0 0 2,797
NEXTERA ENERGY INC COM 65339F101 228,114 2,599 SH SOLE 0 0 0 2,599
NORTHERN TR CORP COM 665859104 375,321 2,159 SH SOLE 0 0 0 2,159
NOVARTIS AG SPONSORED ADR 66987V109 826,541 5,274 SH SOLE 0 0 0 5,274
NOVO-NORDISK A S ADR 670100205 381,890 7,966 SH SOLE 0 0 0 7,966
NUCOR CORP COM 670346105 1,665,056 7,475 SH SOLE 0 0 0 7,475
NVIDIA CORPORATION COM 67066G104 200,499 1,002 SH SOLE 0 0 0 1,002
ORACLE CORP COM 68389X105 346,444 2,364 SH SOLE 0 0 0 2,364
PACKAGING CORP AMER COM 695156109 779,652 3,272 SH SOLE 0 0 0 3,272
PALO ALTO NETWORKS INC COM 697435105 1,586,084 4,651 SH SOLE 0 0 0 4,651
PAYCHEX INC COM 704326107 564,021 5,736 SH SOLE 0 0 0 5,736
PAYPAL HLDGS INC COM 70450Y103 293,408 6,795 SH SOLE 0 0 0 6,795
PEPSICO INC COM 713448108 565,295 4,175 SH SOLE 0 0 0 4,175
PFIZER INC COM 717081103 654,976 27,200 SH SOLE 0 0 0 27,200
PHILIP MORRIS INTL INC COM 718172109 292,893 1,619 SH SOLE 0 0 0 1,619
PHILLIPS 66 COM 718546104 562,937 3,330 SH SOLE 0 0 0 3,330
PPL CORP COM 69351T106 531,292 14,616 SH SOLE 0 0 0 14,616
PROCTER & GAMBLE CO COM 742718109 706,365 4,817 SH SOLE 0 0 0 4,817
PRUDENTIAL FINL INC COM 744320102 609,481 5,647 SH SOLE 0 0 0 5,647
QUALCOMM INC COM 747525103 673,744 3,646 SH SOLE 0 0 0 3,646
RTX CORPORATION COM 75513E101 707,124 3,727 SH SOLE 0 0 0 3,727
SALESFORCE INC COM 79466L302 247,836 1,582 SH SOLE 0 0 0 1,582
SANOFI SA SPONSORED ADR 80105N105 347,466 8,145 SH SOLE 0 0 0 8,145
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 1,099,692 27,714 SH SOLE 0 0 0 27,714
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 266,862 9,634 SH SOLE 0 0 0 9,634
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 223,898 6,197 SH SOLE 0 0 0 6,197
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 235,120 6,948 SH SOLE 0 0 0 6,948
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 340,024 9,768 SH SOLE 0 0 0 9,768
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 3,474,000 3,600 SH SOLE 0 0 0 3,600
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 1,524,257 28,700 SH SOLE 0 0 0 28,700
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 1,487,961 7,810 SH SOLE 0 0 0 7,810
SLB LIMITED COM STK 806857108 566,527 12,186 SH SOLE 0 0 0 12,186
SNOWFLAKE INC COM SHS 833445109 299,292 1,176 SH SOLE 0 0 0 1,176
SPDR GOLD TR GOLD SHS 78463V107 924,634 2,510 SH SOLE 0 0 0 2,510
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 380,193 7,545 SH SOLE 0 0 0 7,545
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 641,828 25,150 SH SOLE 0 0 0 25,150
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 5,153,192 56,233 SH SOLE 0 0 0 56,233
SPDR SERIES TRUST ST STR SP DIV 78464A763 1,065,260 7,000 SH SOLE 0 0 0 7,000
SPDR SERIES TRUST ST STR P500VAL 78464A508 253,190 4,165 SH SOLE 0 0 0 4,165
SPDR SERIES TRUST ST INTER BD ETF 78464A375 619,345 18,510 SH SOLE 0 0 0 18,510
SPDR SERIES TRUST ST STR SP600 SML 78468R853 245,040 4,249 SH SOLE 0 0 0 4,249
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD TR 85207H104 350,364 11,613 SH SOLE 0 0 0 11,613
STARBUCKS CORP COM 855244109 379,329 3,712 SH SOLE 0 0 0 3,712
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 4,571,199 6,121 SH SOLE 0 0 0 6,121
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 1,319,466 1,876 SH SOLE 0 0 0 1,876
STRYKER CORPORATION COM 863667101 290,912 924 SH SOLE 0 0 0 924
TARGET CORP COM 87612E106 1,752,264 13,416 SH SOLE 0 0 0 13,416
TJX COS INC NEW COM 872540109 697,658 4,605 SH SOLE 0 0 0 4,605
TRADEWEB MKTS INC CL A 892672106 226,029 2,268 SH SOLE 0 0 0 2,268
TRAVELERS COMPANIES INC COM 89417E109 1,291,429 3,912 SH SOLE 0 0 0 3,912
TYSON FOODS INC CL A 902494103 229,057 4,001 SH SOLE 0 0 0 4,001
UNION PAC CORP COM 907818108 499,120 1,835 SH SOLE 0 0 0 1,835
UNITED PARCEL SVCS INC CL B 911312106 781,955 7,274 SH SOLE 0 0 0 7,274
US BANCORP COM NEW 902973304 659,387 10,917 SH SOLE 0 0 0 10,917
VALERO ENERGY CORP COM 91913Y100 876,120 3,364 SH SOLE 0 0 0 3,364
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 17,615,763 226,104 SH SOLE 0 0 0 226,104
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 6,554,787 33,172 SH SOLE 0 0 0 33,172
VANGUARD INDEX FDS VALUE ETF 922908744 3,265,027 14,982 SH SOLE 0 0 0 14,982
VANGUARD INDEX FDS MID CAP ETF 922908629 1,072,790 13,315 SH SOLE 0 0 0 13,315
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,869,373 15,924 SH SOLE 0 0 0 15,924
VANGUARD INDEX FDS SMALL CP ETF 922908751 427,399 1,410 SH SOLE 0 0 0 1,410
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,870,096 13,161 SH SOLE 0 0 0 13,161
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 501,217 8,397 SH SOLE 0 0 0 8,397
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 989,925 11,820 SH SOLE 0 0 0 11,820
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,934,654 35,507 SH SOLE 0 0 0 35,507
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,525,507 82,570 SH SOLE 0 0 0 82,570
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,106,760 18,765 SH SOLE 0 0 0 18,765
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,264,646 13,797 SH SOLE 0 0 0 13,797
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 777,195 10,908 SH SOLE 0 0 0 10,908
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4,542,888 28,747 SH SOLE 0 0 0 28,747
VERIZON COMMUNICATIONS INC COM 92343V104 2,000,057 47,238 SH SOLE 0 0 0 47,238
VERTEX PHARMACEUTICALS INC COM 92532F100 437,619 881 SH SOLE 0 0 0 881
VIATRIS INC COM 92556V106 223,305 14,062 SH SOLE 0 0 0 14,062
VIRTU FINL INC CL A 928254101 1,148,450 19,279 SH SOLE 0 0 0 19,279
VISA INC COM CL A 92826C839 345,835 1,008 SH SOLE 0 0 0 1,008
WALMART INC COM 931142103 472,634 4,173 SH SOLE 0 0 0 4,173
WASTE MGMT INC DEL COM 94106L109 646,798 2,902 SH SOLE 0 0 0 2,902
WELLS FARGO & CO COM 949746101 261,473 3,164 SH SOLE 0 0 0 3,164
XYLEM INC COM 98419M100 491,872 4,161 SH SOLE 0 0 0 4,161
ZOETIS INC CL A 98978V103 238,216 3,315 SH SOLE 0 0 0 3,315