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 2,139,480 13,214 SH SOLE 7,435 0 5,779
3M CO COM 88579Y101 4,857 30 SH OTR 0 0 30
ABBVIE INC COM 00287Y109 214,712 853 SH SOLE 853 0 0
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 12,627,237 224,604 SH SOLE 224,604 0 0
ALPHABET INC CAP STK CL A 02079K305 2,320,982 6,495 SH SOLE 6,495 0 0
ALPHABET INC CAP STK CL C 02079K107 1,426,219 4,037 SH SOLE 4,037 0 0
AMAZON COM INC COM 023135106 2,833,196 11,887 SH SOLE 11,687 0 200
AMGEN INC COM 031162100 419,697 1,159 SH SOLE 1,159 0 0
APPLE INC COM 037833100 16,050,211 55,468 SH SOLE 55,468 0 0
APPLE INC COM 037833100 149,020 515 SH OTR 0 0 515
APPLIED MATLS INC COM 038222105 1,713,043 2,369 SH SOLE 2,369 0 0
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100 432,520 9,586 SH SOLE 9,586 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,807,747 9,608 SH SOLE 9,358 0 250
BOSTON SCIENTIFIC CORP COM 101137107 668,113 15,654 SH SOLE 15,654 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 219,129 3,803 SH SOLE 3,803 0 0
CAPITAL GROUP CORE BALANCED SHS 14021D107 12,150,396 320,084 SH SOLE 280,651 0 39,433
CAPITAL GROUP CORE EQUITY ET SHS CREAT UNIT 14020V108 3,924,254 88,225 SH SOLE 88,225 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 2,144,767 43,522 SH SOLE 40,967 0 2,555
CAPITAL GROUP GROWTH ETF SHS CREAT UNIT 14020G101 1,325,794 28,089 SH SOLE 28,089 0 0
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508 949,069 36,252 SH SOLE 36,252 0 0
CAPITAL GRP FIXED INCM ETF T MUN INM ETF 14020Y201 676,063 24,611 SH SOLE 24,611 0 0
CATERPILLAR INC COM 149123101 10,649 10 SH OTR 0 0 10
CATERPILLAR INC COM 149123101 7,775,553 7,302 SH SOLE 7,302 0 0
CHEVRON CORPORATION COM 166764100 326,590 1,970 SH SOLE 1,970 0 0
CHEVRON CORPORATION COM 166764100 6,299 38 SH OTR 0 0 38
CISCO SYS INC COM 17275R102 682,443 5,810 SH SOLE 5,810 0 0
CISCO SYS INC COM 17275R102 19,498 166 SH OTR 0 0 166
CLOROX CO DEL COM 189054109 336,617 3,527 SH SOLE 3,527 0 0
COCA COLA CO COM 191216100 575,092 7,076 SH SOLE 7,076 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 374,103 400 SH SOLE 400 0 0
DARDEN RESTAURANTS INC COM 237194105 1,454,019 7,058 SH SOLE 7,058 0 0
DEERE & CO COM 244199105 2,972,008 4,685 SH SOLE 4,685 0 0
DELTA AIR LINES INC COM NEW 247361702 567,358 6,058 SH SOLE 6,058 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 572,016 6,947 SH SOLE 6,947 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 517,343 4,087 SH SOLE 4,087 0 0
ECOLAB INC COM 278865100 1,547,319 5,554 SH SOLE 5,554 0 0
ELI LILLY & CO COM 532457108 545,048 454 SH SOLE 454 0 0
EMERSON ELEC CO COM 291011104 9,018 63 SH OTR 0 0 63
EMERSON ELEC CO COM 291011104 1,608,205 11,234 SH SOLE 11,234 0 0
ENBRIDGE INC COM 29250N105 229,579 4,235 SH SOLE 4,235 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 8,742,054 228,670 SH SOLE 228,670 0 0
FASTENAL CO COM 311900104 451,765 9,406 SH SOLE 9,406 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 645,411 2,260 SH SOLE 2,260 0 0
FIRST TR EXCH TRADED FD III LNG/SHT EQUITY 33739P103 209,592 2,840 SH SOLE 2,840 0 0
GE AEROSPACE COM NEW 369604301 727,727 1,947 SH SOLE 1,947 0 0
GE VERNOVA INC COM 36828A101 641,474 546 SH SOLE 546 0 0
GENERAL MILLS INC COM 370334104 4,289,065 123,249 SH SOLE 123,249 0 0
GRACO INC COM 384109104 854,242 11,298 SH SOLE 11,298 0 0
HECLA MINING COMPANY COM 422704106 231,028 14,973 SH SOLE 14,973 0 0
INTEL CORP COM 458140100 468,179 3,353 SH SOLE 3,353 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 428,564 1,524 SH SOLE 1,524 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL REL 46137V290 1,320,828 36,125 SH SOLE 8,950 0 27,175
INVESCO QQQ TR UNIT SER 1 46090E103 29,063,971 39,468 SH SOLE 38,923 0 545
ISHARES SILVER TR ISHARES 46428Q109 270,665 5,062 SH SOLE 5,062 0 0
ISHARES TR CORE S&P MCP ETF 464287507 2,180,312 28,275 SH SOLE 22,150 0 6,125
ISHARES TR CORE S&P SCP ETF 464287804 1,355,717 9,141 SH SOLE 9,141 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,778,177 2,374 SH SOLE 2,374 0 0
ISHARES TR CORE US AGGBD ET 464287226 5,199,094 52,527 SH SOLE 16,036 0 36,491
ISHARES TR ESG AW MSCI EAFE 46435G516 462,645 4,500 SH SOLE 4,500 0 0
ISHARES TR MORNINGSTR US EQ 464287127 869,293 8,387 SH SOLE 8,387 0 0
ISHARES TR MSCI EAFE ETF 464287465 359,864 3,464 SH SOLE 3,464 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,780,293 25,834 SH SOLE 25,834 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 468,866 3,776 SH SOLE 3,776 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 320,576 2,331 SH SOLE 2,331 0 0
ISHARES TR S&P 500 VAL ETF 464287408 271,437 1,195 SH SOLE 1,195 0 0
ISHARES TR TRUST ISHARE 0-1 464288679 716,160 6,490 SH SOLE 6,490 0 0
JABIL INC COM 466313103 335,368 870 SH SOLE 870 0 0
JOHNSON & JOHNSON COM 478160104 3,192,988 12,572 SH SOLE 12,572 0 0
JOHNSON & JOHNSON COM 478160104 25,397 100 SH OTR 0 0 100
JPMORGAN CHASE & CO COM 46625H100 1,088,218 3,325 SH SOLE 3,325 0 0
KIMBERLY-CLARK CORP COM 494368103 903,736 8,233 SH SOLE 8,233 0 0
KLA CORP COM NEW 482480100 2,805,903 9,300 SH SOLE 9,300 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 203,413 700 SH SOLE 700 0 0
M & T BK CORP COM 55261F104 242,532 1,019 SH SOLE 1,019 0 0
MASTERCARD INCORPORATED CL A 57636Q104 522,331 1,017 SH SOLE 1,017 0 0
MCDONALDS CORP COM 580135101 833,927 3,085 SH SOLE 3,085 0 0
MEDTRONIC PLC SHS G5960L103 393,028 5,024 SH SOLE 4,154 0 870
MERCK & CO INC COM 58933Y105 1,908,739 14,854 SH SOLE 14,854 0 0
META PLATFORMS INC CL A 30303M102 2,203,836 3,912 SH SOLE 3,912 0 0
MICRON TECHNOLOGY INC COM 595112103 333,275 289 SH SOLE 289 0 0
MICROSOFT CORP COM 594918104 4,895,254 13,123 SH SOLE 13,123 0 0
NEBIUS GROUP N.V. SHS CLASS A N97284108 359,021 1,300 SH SOLE 1,300 0 0
NEXTERA ENERGY INC COM 65339F101 279,972 3,190 SH SOLE 3,190 0 0
NEXTERA ENERGY INC COM 65339F101 17,554 200 SH OTR 0 0 200
NNN REIT INC COM 637417106 569,481 12,239 SH SOLE 12,239 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 434,584 8,338 SH SOLE 8,338 0 0
NVIDIA CORPORATION COM 67066G104 1,532,486 7,659 SH SOLE 7,659 0 0
ORACLE CORP COM 68389X105 2,991,818 20,415 SH SOLE 20,415 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 714,635 6,125 SH SOLE 5,925 0 200
PALO ALTO NETWORKS INC COM 697435105 579,734 1,700 SH SOLE 1,700 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 14,669,033 156,854 SH SOLE 156,854 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 686,371 7,444 SH SOLE 7,444 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 5,292,580 52,501 SH SOLE 52,501 0 0
PRICE T ROWE GROUP INC COM 74144T108 478,255 4,207 SH SOLE 4,207 0 0
PROCTER & GAMBLE CO COM 742718109 557,490 3,802 SH SOLE 3,802 0 0
PROCTER & GAMBLE CO COM 742718109 49,858 340 SH OTR 0 0 340
PUBLIC STORAGE COM 74460D109 2,911,263 9,146 SH SOLE 9,146 0 0
QUALCOMM INC COM 747525103 200,843 1,087 SH SOLE 1,087 0 0
QUEST DIAGNOSTICS INC COM 74834L100 1,547,235 7,300 SH SOLE 7,300 0 0
REALTY INCOME CORP COM 756109104 229,932 3,711 SH SOLE 3,711 0 0
SCHWAB CHARLES CORP COM 808513105 397,625 4,309 SH SOLE 4,309 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,385,274 59,891 SH SOLE 59,891 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 51,823,972 1,789,502 SH SOLE 1,789,502 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 733,695 23,138 SH SOLE 23,138 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,771,106 60,180 SH SOLE 60,180 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 683,727 18,924 SH SOLE 18,924 0 0
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 361,083 2,276 SH SOLE 2,276 0 0
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 801,212 9,645 SH SOLE 9,645 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 521,644 2,738 SH SOLE 2,738 0 0
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 513,660 11,329 SH SOLE 11,329 0 0
SERVICENOW INC COM 81762P102 368,031 3,707 SH SOLE 3,707 0 0
SOLVENTUM CORP COM SHS 83444M101 208,768 2,706 SH SOLE 1,260 0 1,446
SOLVENTUM CORP COM SHS 83444M101 540 7 SH OTR 0 0 7
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 246,891 1,445 SH SOLE 1,445 0 0
SPDR GOLD TR GOLD SHS 78463V107 396,008 1,075 SH SOLE 1,075 0 0
SPDR SERIES TRUST ST SHO TREAS ETF 78468R101 779,789 26,880 SH SOLE 26,880 0 0
SPDR SERIES TRUST ST STR P400MID 78464A847 1,161,644 17,194 SH SOLE 17,194 0 0
SPDR SERIES TRUST ST STR P500GRW 78464A409 1,217,603 10,233 SH SOLE 10,233 0 0
SPDR SERIES TRUST ST STR P500VAL 78464A508 227,294 3,739 SH SOLE 3,739 0 0
SPDR SERIES TRUST ST STR SP AERO 78464A631 255,411 900 SH SOLE 0 0 900
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 15,285,793 29,261 SH SOLE 28,861 0 400
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 76,951,157 103,045 SH SOLE 101,902 0 1,143
STRATEGIC TRUST RUNNING GWTH ETF 48817R870 3,767,254 116,288 SH SOLE 113,446 0 2,842
T ROWE PRICE EXCHANGE-TRADED CAP APPRECIATION 87283Q867 233,784 5,688 SH SOLE 5,688 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 832,405 1,743 SH SOLE 1,743 0 0
TARGET CORP COM 87612E106 625,099 4,786 SH SOLE 4,786 0 0
TESLA INC COM 88160R101 545,146 1,296 SH SOLE 1,296 0 0
TORO CO COM 891092108 553,443 5,681 SH SOLE 5,681 0 0
TRAVELERS COMPANIES INC COM 89417E109 367,754 1,114 SH SOLE 1,114 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,800,333 6,738 SH SOLE 6,648 0 90
US BANCORP COM NEW 902973304 704,385 11,662 SH SOLE 11,662 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 174,493 2,112 SH OTR 0 0 2,112
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 131,118 1,587 SH SOLE 1,587 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 9,313,096 108,116 SH SOLE 108,116 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,919,362 5,581 SH SOLE 5,581 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,667,192 5,443 SH SOLE 5,443 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 6,455,858 80,127 SH SOLE 80,127 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,435,533 25,257 SH SOLE 6,282 0 18,975
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 48,348,720 70,396 SH SOLE 70,396 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 12,987,643 42,847 SH SOLE 42,847 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 10,435,251 28,535 SH SOLE 28,535 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,499,453 4,052 SH SOLE 3,677 0 375
VANGUARD INDEX FDS VALUE ETF 922908744 1,668,011 7,654 SH SOLE 7,654 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 73,030 872 SH SOLE 872 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 161,051 1,923 SH OTR 0 0 1,923
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 770,856 12,914 SH SOLE 12,914 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 354,160 4,000 SH SOLE 4,000 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 214,229 2,592 SH SOLE 2,592 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 979,513 4,140 SH SOLE 4,140 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,147,980 16,112 SH SOLE 16,112 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 288,405 1,825 SH SOLE 475 0 1,350
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 2,480,418 6,254 SH SOLE 6,254 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 1,622,432 12,329 SH SOLE 12,329 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 2,492,744 8,337 SH SOLE 8,337 0 0
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 2,599,808 7,214 SH SOLE 7,214 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 4,645,786 38,870 SH SOLE 38,870 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 262,501 1,606 SH SOLE 1,606 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 271,026 6,401 SH SOLE 6,401 0 0
VISA INC COM CL A 92826C839 342,642 999 SH SOLE 999 0 0
WALMART INC COM 931142103 22,765 201 SH OTR 0 0 201
WALMART INC COM 931142103 680,622 6,009 SH SOLE 6,009 0 0
WASTE MGMT INC DEL COM 94106L109 501,730 2,251 SH SOLE 2,251 0 0
WELLS FARGO & CO COM 949746101 338,411 4,095 SH SOLE 4,095 0 0
WESTERN DIGITAL CORP COM 958102105 862,911 1,351 SH SOLE 1,351 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 1,102,111 13,877 SH SOLE 12,262 0 1,615
XCEL ENERGY INC COM 98389B100 5,312,585 66,159 SH SOLE 25,172 0 40,987
XCEL ENERGY INC COM 98389B100 13,330 166 SH OTR 0 0 166