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
ABBVIE INC COM 00287Y109 556,502 2,212 SH SOLE 0 2,120 0 92
AGNICO EAGLE MINES LTD COM 008474108 675,281 4,353 SH SOLE 0 3,449 0 904
ALLSTATE CORP COM 020002101 539,648 2,268 SH SOLE 0 1,715 0 553
ALPHABET INC CAP STK CL A 02079K305 1,152,876 3,226 SH SOLE 0 2,559 0 667
ALPHABET INC CAP STK CL C 02079K107 1,709,084 4,837 SH SOLE 0 3,654 0 1,183
ALPS ETF TR ALERIAN MLP 00162Q452 220,207 4,247 SH SOLE 0 3,458 0 789
APPLE INC COM 037833100 2,213,315 7,649 SH SOLE 0 6,987 0 662
APPLIED MATLS INC COM 038222105 1,793,040 2,480 SH SOLE 0 2,380 0 100
ARCH CAP GROUP LTD ORD G0450A105 806,277 8,307 SH SOLE 0 7,102 0 1,206
ASSOCIATED BANC-CORP COM 045487105 246,160 8,000 SH SOLE 0 8,000 0 0
BANK OF AMER CORP COM 060505104 211,111 3,705 SH SOLE 0 3,400 0 305
BARRICK MNG CORP COM SHS 06849F108 1,272,474 34,644 SH SOLE 0 29,238 0 5,407
BAXTER INTL INC COM 071813109 273,578 12,832 SH SOLE 0 11,324 0 1,508
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,677,087 5,350 SH SOLE 0 4,815 0 535
BOEING CO COM 097023105 746,064 3,447 SH SOLE 0 3,062 0 385
BP PLC SPONSORED ADR 055622104 272,174 7,366 SH SOLE 0 4,947 0 2,419
BROADCOM INC COM 11135F101 702,615 1,860 SH SOLE 0 1,860 0 0
CARDINAL HEALTH INC COM 14149Y108 260,247 1,096 SH SOLE 0 901 0 195
CISCO SYS INC COM 17275R102 1,766,070 15,036 SH SOLE 0 12,304 0 2,732
CLOROX CO DEL COM 189054109 240,509 2,520 SH SOLE 0 2,309 0 211
COCA COLA CO COM 191216100 271,523 3,341 SH SOLE 0 2,976 0 365
CUMMINS INC COM 231021106 221,195 310 SH SOLE 0 299 0 11
DANAHER CORP DEL COM 235851102 296,308 1,556 SH SOLE 0 1,472 0 84
DELL TECHNOLOGIES INC CL C 24703L202 207,532 481 SH SOLE 0 380 0 101
EAGLE MATLS INC COM 26969P108 567,000 2,520 SH SOLE 0 2,050 0 470
EBAY INC. COM 278642103 257,025 2,300 SH SOLE 0 1,900 0 400
EXPEDIA GROUP INC COM NEW 30212P303 281,468 1,100 SH SOLE 0 1,000 0 100
EXXON MOBIL CORP COM 30231G102 370,043 2,707 SH SOLE 0 185 0 2,522
FORTUNE BRANDS INNOVATIONS I COM 34964C106 1,294,103 23,572 SH SOLE 0 23,572 0 0
GALLAGHER ARTHUR J & CO COM 363576109 325,989 1,420 SH SOLE 0 1,420 0 0
GE AEROSPACE COM NEW 369604301 200,693 537 SH SOLE 0 537 0 0
GENERAL DYNAMICS CORP COM 369550108 218,566 617 SH SOLE 0 617 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 616,119 609 SH SOLE 0 580 0 29
HUNTINGTON INGALLS INDS INC COM 446413106 215,235 769 SH SOLE 0 609 0 160
INTEL CORP COM 458140100 3,165,272 22,669 SH SOLE 0 18,302 0 4,367
INTERNATIONAL BUSINESS MACHS COM 459200101 849,535 3,021 SH SOLE 0 2,890 0 131
INVESCO QQQ TR UNIT SER 1 46090E103 215,818 293 SH SOLE 0 293 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 147,280 200 SH Put SOLE 0 200 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 73,640 100 SH Put SOLE 0 0 0 100
INVESCO QQQ TR UNIT SER 1 46090E103 147,280 200 SH Put SOLE 0 200 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,546,440 2,100 SH Put SOLE 0 1,900 0 200
ISHARES GOLD TR ISHARES NEW 464285204 283,540 3,755 SH SOLE 0 2,820 0 935
ISHARES INC MSCI EMRG CHN 46434G764 249,510 2,439 SH SOLE 0 2,439 0 0
ISHARES TR CORE MSCI EAFE 46432F842 7,799,143 80,753 SH SOLE 0 64,757 0 15,996
ISHARES TR 1 3 YR TREAS BD 464287457 17,287,439 210,540 SH SOLE 0 160,069 0 50,471
ISHARES TR 20 YR TR BD ETF 464287432 23,406,166 270,842 SH SOLE 0 204,242 0 66,600
ISHARES TR CORE US AGGBD ET 464287226 21,204,560 214,231 SH SOLE 0 113,086 0 101,145
ISHARES TR RUS 2000 GRW ETF 464287648 1,404,861 3,566 SH SOLE 0 2,841 0 725
ISHARES TR CORE S&P500 ETF 464287200 24,725,471 33,016 SH SOLE 0 20,986 0 12,030
ISHARES TR RUS 1000 VAL ETF 464287598 14,788,318 61,000 SH SOLE 0 49,583 0 11,417
ISHARES TR RUS 1000 GRW ETF 464287614 3,254,744 26,212 SH SOLE 0 22,661 0 3,551
ISHARES TR RUSSELL 2000 ETF 464287655 757,735 2,522 SH SOLE 0 510 0 2,012
ISHARES TR RUS 2000 VAL ETF 464287630 1,382,500 6,250 SH SOLE 0 5,004 0 1,246
ISHARES TR RUS MD CP GR ETF 464287481 2,450,464 16,737 SH SOLE 0 14,652 0 2,085
ISHARES TR RUS MDCP VAL ETF 464287473 1,845,660 11,213 SH SOLE 0 9,854 0 1,359
ISHARES TR U.S. TECH ETF 464287721 355,644 1,410 SH SOLE 0 1,410 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 1,992,281 39,397 SH SOLE 0 26,777 0 12,620
JOHNSON & JOHNSON COM 478160104 1,311,247 5,163 SH SOLE 0 4,529 0 634
JPMORGAN CHASE & CO COM 46625H100 1,531,457 4,679 SH SOLE 0 4,327 0 352
KINDER MORGAN INC DEL COM 49456B101 209,404 6,550 SH SOLE 0 4,900 0 1,650
LOCKHEED MARTIN CORP COM 539830109 500,799 983 SH SOLE 0 791 0 192
MANULIFE FINL CORP COM 56501R106 264,368 6,526 SH SOLE 0 6,526 0 0
MASTERBRAND INC COMMON STOCK 57638P104 267,355 25,982 SH SOLE 0 25,982 0 0
MCDONALDS CORP COM 580135101 335,455 1,241 SH SOLE 0 999 0 242
MCKESSON CORP COM 58155Q103 577,278 764 SH SOLE 0 597 0 167
MEDTRONIC PLC SHS G5960L103 237,663 3,038 SH SOLE 0 2,411 0 627
MERCK & CO INC COM 58933Y105 765,346 5,956 SH SOLE 0 5,034 0 922
META PLATFORMS INC CL A 30303M102 628,632 1,116 SH SOLE 0 736 0 381
MICROSOFT CORP COM 594918104 1,178,415 3,159 SH SOLE 0 3,029 0 130
MORGAN STANLEY COM NEW 617446448 1,011,336 4,838 SH SOLE 0 4,052 0 786
MUELLER WTR PRODS INC COM SER A 624758108 241,808 9,362 SH SOLE 0 9,362 0 0
NEWMONT CORP COM 651639106 434,870 4,656 SH SOLE 0 3,544 0 1,112
NIAGEN BIOSCIENCE INC COM NEW 171077407 72,840 22,834 SH SOLE 0 0 0 22,834
NORTHROP GRUMMAN CORP COM 666807102 247,525 486 SH SOLE 0 382 0 104
NUCOR CORP COM 670346105 267,300 1,200 SH SOLE 0 1,048 0 152
NVIDIA CORPORATION COM 67066G104 507,629 2,537 SH SOLE 0 2,336 0 201
ORACLE CORP COM 68389X105 813,865 5,554 SH SOLE 0 4,650 0 904
PEPSICO INC COM 713448108 478,368 3,533 SH SOLE 0 3,152 0 381
PORTILLOS INC COM CL A 73642K106 76,186 16,073 SH SOLE 0 15,088 0 985
PROCTER & GAMBLE CO COM 742718109 558,992 3,812 SH SOLE 0 3,507 0 305
QUALCOMM INC COM 747525103 620,340 3,357 SH SOLE 0 3,067 0 290
ROSS STORES INC COM 778296103 225,920 1,061 SH SOLE 0 1,020 0 41
SCHWAB CHARLES CORP COM 808513105 1,602,730 17,370 SH SOLE 0 17,370 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 38,104 200 SH Put SOLE 0 200 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 114,312 600 SH Put SOLE 0 600 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 876,392 4,600 SH Put SOLE 0 4,600 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 38,104 200 SH Put SOLE 0 200 0 0
SHELL PLC SPON ADS 780259305 381,497 4,920 SH SOLE 0 4,500 0 420
SPDR SERIES TRUST ST STR SP METAL 78464A755 665,318 6,222 SH SOLE 0 4,882 0 1,340
SPDR SERIES TRUST SP O&G EXPL PRO 78468R556 300,653 1,949 SH SOLE 0 1,441 0 509
SPDR SERIES TRUST ST STR BL 12 ETF 78468R523 395,036 3,975 SH SOLE 0 3,975 0 0
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 4,585,391 50,037 SH SOLE 0 37,313 0 12,724
SPDR SERIES TRUST ST TERM HIGH ETF 78468R408 945,033 37,756 SH SOLE 0 31,724 0 6,032
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 149,354 200 SH Put SOLE 0 200 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 6,198,191 8,300 SH Put SOLE 0 7,800 0 500
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 74,677 100 SH Put SOLE 0 100 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 522,739 700 SH Put SOLE 0 700 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 149,354 200 SH Put SOLE 0 200 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 373,385 500 SH Put SOLE 0 500 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 224,031 300 SH Put SOLE 0 0 0 300
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 74,677 100 SH Put SOLE 0 100 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 821,447 1,100 SH Put SOLE 0 1,100 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,119,258 4,177 SH SOLE 0 150 0 4,027
TAPESTRY INC COM 876030107 350,800 2,397 SH SOLE 0 2,172 0 225
TARGET CORP COM 87612E106 667,221 5,109 SH SOLE 0 4,733 0 376
TJX COS INC NEW COM 872540109 235,181 1,552 SH SOLE 0 1,514 0 38
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 428,717 5,189 SH SOLE 0 2,928 0 2,261
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 3,251,096 14,831 SH SOLE 0 8,535 0 6,296
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 377,310 2,579 SH SOLE 0 1,542 0 1,037
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 350,545 3,073 SH SOLE 0 1,850 0 1,223
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 388,925 2,535 SH SOLE 0 1,492 0 1,043
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1,309,282 9,519 SH SOLE 0 9,454 0 65
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 372,649 3,176 SH SOLE 0 1,925 0 1,251
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,022,660 1,489 SH SOLE 0 1,000 0 489
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 307,809 1,995 SH SOLE 0 1,995 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 49,603,658 852,297 SH SOLE 0 594,581 0 257,716
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 7,560,748 137,020 SH SOLE 0 80,140 0 56,880
VANGUARD STAR FDS VG TL INTL STK F 921909768 343,413 4,017 SH SOLE 0 4,017 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,392,939 33,585 SH SOLE 0 19,478 0 14,107
VANGUARD WORLD FD INF TECH ETF 92204A702 286,848 2,400 SH SOLE 0 2,400 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 568,838 13,435 SH SOLE 0 11,566 0 1,869
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 692,411 13,219 SH SOLE 0 0 0 13,219