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
ADVANCED MICRO DEVICES INC COM 007903107 384,562 662 SH SOLE 0 0 662
ALERUS FINL CORP COM 01446U103 2,063,309 66,344 SH SOLE 0 0 66,344
ALPHABET INC CAP STK CL A 02079K305 270,840 758 SH SOLE 0 0 758
ALPHABET INC CAP STK CL C 02079K107 232,800 659 SH SOLE 0 0 659
ALTRIA GROUP INC COM 02209S103 202,486 2,814 SH SOLE 0 0 2,814
AMAZON COM INC COM 023135106 1,444,509 6,061 SH SOLE 0 0 6,061
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 17,321,292 179,514 SH SOLE 0 0 179,514
AMERICAN CENTY ETF TR US SML CP VALU 025072877 14,210,359 113,902 SH SOLE 0 0 113,902
AMGEN INC COM 031162100 1,013,936 2,800 SH SOLE 0 0 2,800
APPLE INC COM 037833100 1,787,462 6,177 SH SOLE 0 0 6,177
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 823,222 1,645 SH SOLE 0 0 1,645
BLACKROCK ETF TRUST ISHARES INTL DIV 09290C848 2,143,568 71,405 SH SOLE 0 0 71,405
CAPITAL GROUP NEW GEOGRAPHY SHS 14021N105 222,873 5,950 SH SOLE 0 0 5,950
CATERPILLAR INC COM 149123101 428,820 403 SH SOLE 0 0 403
CISCO SYS INC COM 17275R102 271,574 2,312 SH SOLE 0 0 2,312
COCA COLA CO COM 191216100 377,494 4,645 SH SOLE 0 0 4,645
DELTA AIR LINES INC COM NEW 247361702 348,430 3,720 SH SOLE 0 0 3,720
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 230,647 5,591 SH SOLE 0 0 5,591
ELI LILLY & CO COM 532457108 278,256 232 SH SOLE 0 0 232
FASTENAL CO COM 311900104 1,283,190 26,716 SH SOLE 0 0 26,716
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 26,422,861 658,432 SH SOLE 0 0 658,432
FIDELITY COVINGTON TRUST ENHANCED LARGE 316092113 2,471,647 58,975 SH SOLE 0 0 58,975
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A107 204,467 5,100 SH SOLE 0 0 5,100
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 693,145 15,237 SH SOLE 0 0 15,237
FORD MTR CO COM 345370860 152,803 10,993 SH SOLE 0 0 10,993
GE AEROSPACE COM NEW 369604301 401,786 1,075 SH SOLE 0 0 1,075
GE VERNOVA INC COM 36828A101 279,377 238 SH SOLE 0 0 238
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 987,878 6,962 SH SOLE 0 0 6,962
HOME DEPOT INC COM 437076102 227,833 646 SH SOLE 0 0 646
HORMEL FOODS CORP COM 440452100 779,372 31,401 SH SOLE 0 0 31,401
INSTALLED BLDG PRODS INC COM 45780R101 947,585 4,123 SH SOLE 0 0 4,123
INTERNATIONAL BUSINESS MACHS COM 459200101 1,910,551 6,794 SH SOLE 0 0 6,794
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 332,915 1,099 SH SOLE 0 0 1,099
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 4,278,662 20,109 SH SOLE 0 0 20,109
INVESCO QQQ TR UNIT SER 1 46090E103 4,668,501 6,340 SH SOLE 0 0 6,340
ISHARES GOLD TR ISHARES NEW 464285204 264,285 3,500 SH SOLE 0 0 3,500
ISHARES TR CORE MSCI EAFE 46432F842 361,482 3,743 SH SOLE 0 0 3,743
ISHARES TR CORE S&P500 ETF 464287200 2,309,452 3,084 SH SOLE 0 0 3,084
ISHARES TR CORE S&P MCP ETF 464287507 268,970 3,488 SH SOLE 0 0 3,488
ISHARES TR CORE S&P SCP ETF 464287804 1,340,958 9,042 SH SOLE 0 0 9,042
ISHARES TR CORE S&P US GWT 464287671 5,746,094 30,550 SH SOLE 0 0 30,550
ISHARES TR CORE S&P US VLU 464287663 3,758,122 34,118 SH SOLE 0 0 34,118
ISHARES TR EAFE GRWTH ETF 464288885 360,071 2,894 SH SOLE 0 0 2,894
ISHARES TR MSCI USA QLT FCT 46432F339 346,580 1,579 SH SOLE 0 0 1,579
ISHARES TR RUS 1000 ETF 464287622 437,988 1,070 SH SOLE 0 0 1,070
ISHARES TR RUS 1000 GRW ETF 464287614 2,853,452 22,980 SH SOLE 0 0 22,980
ISHARES TR RUS 1000 VAL ETF 464287598 2,734,009 11,278 SH SOLE 0 0 11,278
ISHARES TR S&P 500 GRWT ETF 464287309 1,404,869 10,215 SH SOLE 0 0 10,215
ISHARES TR S&P 500 VAL ETF 464287408 827,861 3,646 SH SOLE 0 0 3,646
ISHARES TR S&P SML 600 GWT 464287887 3,278,460 18,356 SH SOLE 0 0 18,356
ISHARES TR SP SMCP600VL ETF 464287879 2,672,893 19,556 SH SOLE 0 0 19,556
ISHARES TR NATIONAL MUN ETF 464288414 244,297 2,270 SH SOLE 0 0 2,270
JPMORGAN CHASE & CO COM 46625H100 382,248 1,168 SH SOLE 0 0 1,168
KEYCORP COM 493267108 408,578 17,726 SH SOLE 0 0 17,726
LOCKHEED MARTIN CORP COM 539830109 223,394 438 SH SOLE 0 0 438
MARVELL TECHNOLOGY INC COM 573874104 326,221 1,095 SH SOLE 0 0 1,095
MCKESSON CORP COM 58155Q103 357,019 472 SH SOLE 0 0 472
MICROSOFT CORP COM 594918104 975,760 2,616 SH SOLE 0 0 2,616
NVIDIA CORPORATION COM 67066G104 2,220,402 11,097 SH SOLE 0 0 11,097
ONEMAIN HLDGS INC COM 68268W103 390,571 6,406 SH SOLE 0 0 6,406
OSHKOSH CORP COM 688239201 340,220 2,217 SH SOLE 0 0 2,217
REGIONS FINANCIAL CORP NEW COM 7591EP100 334,592 11,079 SH SOLE 0 0 11,079
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 47,498,616 1,613,952 SH SOLE 0 0 1,613,952
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 280,199 1,640 SH SOLE 0 0 1,640
SPDR GOLD TR GOLD SHS 78463V107 636,192 1,727 SH SOLE 0 0 1,727
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,391,814 4,542 SH SOLE 0 0 4,542
TESLA INC COM 88160R101 1,248,157 2,968 SH SOLE 0 0 2,968
TRANE TECHNOLOGIES PLC SHS G8994E103 376,229 766 SH SOLE 0 0 766
UNITED PARCEL SVCS INC CL B 911312106 427,812 3,980 SH SOLE 0 0 3,980
UNITEDHEALTH GROUP INC COM 91324P102 425,738 1,024 SH SOLE 0 0 1,024
VANGUARD INDEX FDS GROWTH ETF 922908736 466,252 5,413 SH SOLE 0 0 5,413
VANGUARD INDEX FDS MID CAP ETF 922908629 15,200,099 188,657 SH SOLE 0 0 188,657
VANGUARD INDEX FDS TOTAL STK MKT 922908769 516,207 1,395 SH SOLE 0 0 1,395
VANGUARD INDEX FDS VALUE ETF 922908744 356,782 1,637 SH SOLE 0 0 1,637
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,227,988 3,244 SH SOLE 0 0 3,244
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 217,255 3,640 SH SOLE 0 0 3,640
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 895,012 12,562 SH SOLE 0 0 12,562
WELLS FARGO & CO COM 949746101 516,670 6,252 SH SOLE 0 0 6,252
WEST BANCORPORATION INC CAP STK 95123P106 309,341 11,660 SH SOLE 0 0 11,660