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 1,563,677 50,279 SH SOLE 50,279 0 0
ALPHABET INC CAP STK CL C 02079K107 383,010 1,084 SH SOLE 1,084 0 0
AMAZON COM INC COM 023135106 321,997 1,351 SH SOLE 1,351 0 0
APPLE INC COM 037833100 3,846,173 13,292 SH SOLE 13,292 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,180,920 2,360 SH SOLE 2,360 0 0
BNY MELLON ETF TRUST US LRG CP CORE 09661T107 5,142,636 35,865 SH SOLE 35,865 0 0
BNY MELLON ETF TRUST CORE BOND ETF 09661T602 8,894,842 212,034 SH SOLE 212,034 0 0
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404 7,149,804 71,072 SH SOLE 71,072 0 0
DRAFTKINGS INC NEW COM CL A 26142V105 277,203 10,974 SH SOLE 10,974 0 0
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ARTIF 301505731 284,119 3,115 SH SOLE 3,115 0 0
GE AEROSPACE COM NEW 369604301 207,046 554 SH SOLE 554 0 0
GE VERNOVA INC COM 36828A101 216,174 184 SH SOLE 184 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 21,095,885 99,149 SH SOLE 99,149 0 0
ISHARES TR CORE 60 BALA ETF 464289867 6,033,505 86,813 SH SOLE 86,813 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 10,933,821 208,621 SH SOLE 208,621 0 0
ISHARES TR MORNINGSTR US EQ 464287127 10,448,227 100,803 SH SOLE 100,803 0 0
ISHARES TR TIPS BD ETF 464287176 10,249,897 93,666 SH SOLE 93,666 0 0
ISHARES TR S&P 100 ETF 464287101 21,843,796 59,704 SH SOLE 59,704 0 0
ISHARES TR CORE 40 MODE ETF 464289875 615,393 12,335 SH SOLE 12,335 0 0
ISHARES TR CORE 80 20 ETF 464289859 3,420,099 35,042 SH SOLE 35,042 0 0
ISHARES TR CORE 30 70 ETF 464289883 630,372 15,197 SH SOLE 15,197 0 0
ISHARES TR EXPANDED TECH 464287515 310,033 3,422 SH SOLE 3,422 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 243,277 5,042 SH SOLE 5,042 0 0
ISHARES TR IBOXX HI YD ETF 464288513 217,199 2,716 SH SOLE 2,716 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 502,814 7,350 SH SOLE 7,350 0 0
ISHARES TR CORE MSCI EAFE 46432F842 272,935 2,826 SH SOLE 2,826 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 286,338 3,165 SH SOLE 3,165 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 236,552 1,720 SH SOLE 1,720 0 0
META PLATFORMS INC CL A 30303M102 289,531 514 SH SOLE 514 0 0
MICROSOFT CORP COM 594918104 1,245,141 3,338 SH SOLE 3,338 0 0
NVIDIA CORPORATION COM 67066G104 583,262 2,915 SH SOLE 2,915 0 0
OTTER TAIL CORP COM 689648103 381,335 4,238 SH SOLE 4,238 0 0
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 7,079,711 178,420 SH SOLE 178,420 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 19,263,476 619,404 SH SOLE 619,404 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 22,982,192 603,841 SH SOLE 603,841 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 267,129 11,799 SH SOLE 11,799 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 682,317 28,265 SH SOLE 28,265 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 687,304 25,936 SH SOLE 25,936 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 394,012 7,468 SH SOLE 7,468 0 0
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 5,492,353 234,315 SH SOLE 234,315 0 0
SPDR SERIES TRUST ST STR SP REGBNK 78464A698 405,612 5,419 SH SOLE 5,419 0 0
TARGET CORP COM 87612E106 451,780 3,459 SH SOLE 3,459 0 0
TESLA INC COM 88160R101 313,768 746 SH SOLE 746 0 0
UNITEDHEALTH GROUP INC COM 91324P102 426,021 1,025 SH SOLE 1,025 0 0
US BANCORP COM NEW 902973304 2,022,313 33,482 SH SOLE 33,482 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 701,268 9,001 SH SOLE 9,001 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 361,159 976 SH SOLE 976 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 986,946 1,437 SH SOLE 1,437 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 18,970,427 266,252 SH SOLE 266,252 0 0