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
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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
ABRDN BLOOMBERG ALL COMM Exchange Traded Fund 003261203 5,529 161,907 SH SOLE 0 0 161,907
ALERUS FINL CORP COM Common Stock 01446U103 352 11,239 SH SOLE 0 0 11,239
ALLIANT ENERGY CORP COM Common Stock 018802108 589 7,720 SH SOLE 0 0 7,720
AMAZON COM INC COM Common Stock 023135106 2,277 9,557 SH SOLE 0 0 9,557
APPLE INC COM Common Stock 037833100 827 2,860 SH SOLE 0 0 2,860
COCA COLA CO COM Common Stock 191216100 935 11,441 SH SOLE 0 0 11,441
EXXONMOBIL HOLDINGS CORP COM SHS Common Stock 30233Q108 809 5,920 SH SOLE 0 0 5,920
INTEL CORP COM Common Stock 458140100 292 2,094 SH SOLE 0 0 2,094
INVESCO QQQ TRUST SERIES I Exchange Traded Fund 46090E103 3,750 5,093 SH SOLE 0 0 5,093
INVESCO SP 100 EQUAL WEIGHT Exchange Traded Fund 46137V449 5,147 39,897 SH SOLE 0 0 39,897
ISHARES CORE SP 500 Exchange Traded Fund 464287200 282 376 SH SOLE 0 0 376
ISHARES SP 500 GROWTH Exchange Traded Fund 464287309 1,516 11,030 SH SOLE 0 0 11,030
ISHARES NATIONAL MUNI BND Exchange Traded Fund 464288414 677 6,298 SH SOLE 0 0 6,298
ISHARES INTL SEL DIV Exchange Traded Fund 464288448 1,035 24,998 SH SOLE 0 0 24,998
ISHARES CORE 80/20 AGGRESSIVE ALLOC Exchange Traded Fund 464289859 310 3,182 SH SOLE 0 0 3,182
ISHARES CORE 40/60 MODERATE ALLOC Exchange Traded Fund 464289875 232 4,651 SH SOLE 0 0 4,651
ISHARES U.S. TRSY BND Exchange Traded Fund 46429B267 217 9,557 SH SOLE 0 0 9,557
ISHARES CORE HIGH DIV Exchange Traded Fund 46429B663 17,323 632,009 SH SOLE 0 0 632,009
ISHARES BLOOMBERG ROLL SEL COMM STGY Exchange Traded Fund 46431W598 431 7,816 SH SOLE 0 0 7,816
ISHARES SHORT MATURITY MUN BND ACTIVE Exchange Traded Fund 46431W838 1,043 20,720 SH SOLE 0 0 20,720
ISHARES CORE MSCI TOTAL INTL STOCK Exchange Traded Fund 46432F834 1,154 12,096 SH SOLE 0 0 12,096
ISHARES CORE INTL AGG BND Exchange Traded Fund 46435G672 1,351 26,707 SH SOLE 0 0 26,707
ELI LILLY and CO COM Common Stock 532457108 320 267 SH SOLE 0 0 267
MICROSOFT CORP COM Common Stock 594918104 1,449 3,884 SH SOLE 0 0 3,884
NUVEEN ESG LARGE-CAP GROWTH Exchange Traded Fund 67092P201 334 2,857 SH SOLE 0 0 2,857
NUVEEN ESG LARGE-CAP VALUE Exchange Traded Fund 67092P300 394 7,884 SH SOLE 0 0 7,884
NUVEEN ESG SMALL-CAP Exchange Traded Fund 67092P607 228 4,380 SH SOLE 0 0 4,380
NUVEEN ESG INTL DEV MKTS EQY Exchange Traded Fund 67092P805 380 9,504 SH SOLE 0 0 9,504
STATE ST SPDR SP EMRGNG MKTS DIV Exchange Traded Fund 78463X533 3,649 89,112 SH SOLE 0 0 89,112
STATE ST SPDR DJ GLOBAL REAL ESTATE Exchange Traded Fund 78463X749 1,925 38,733 SH SOLE 0 0 38,733
STATE ST SPDR SP INTL DIV Exchange Traded Fund 78463X772 13,555 294,945 SH SOLE 0 0 294,945
STATE ST SPDR PORT DEV WORLD EX-US Exchange Traded Fund 78463X889 2,873 57,031 SH SOLE 0 0 57,031
STATE ST SPDR PORT INT TERM CORP BND Exchange Traded Fund 78464A375 246 7,359 SH SOLE 0 0 7,359
STATE ST SPDR PORT AGG BND Exchange Traded Fund 78464A649 8,010 313,874 SH SOLE 0 0 313,874
STATE ST SPDR PORT SP 500 Exchange Traded Fund 78464A854 11,006 125,249 SH SOLE 0 0 125,249
STATE ST SPDR NUVEEN ICE SH TRM MUN BND Exchange Traded Fund 78468R739 2,690 56,084 SH SOLE 0 0 56,084
STATE ST SPDR PORT SP 600 SMALL CAP Exchange Traded Fund 78468R853 853 14,805 SH SOLE 0 0 14,805
SCH U.S. LARGE-CAP VALUE Exchange Traded Fund 808524409 472 13,569 SH SOLE 0 0 13,569
SCH U.S. MID-CAP Exchange Traded Fund 808524508 1,989 53,950 SH SOLE 0 0 53,950
UNION PAC CORP COM Common Stock 907818108 1,752 6,442 SH SOLE 0 0 6,442
VNGRD DIV APP Exchange Traded Fund 921908844 1,978 8,360 SH SOLE 0 0 8,360
VNGRD SHORT-TERM BND Exchange Traded Fund 921937827 12,245 157,171 SH SOLE 0 0 157,171
VNGRD FTSE DEV MKTS Exchange Traded Fund 921943858 508 7,130 SH SOLE 0 0 7,130
VNGRD HIGH DIV YIELD IDX Exchange Traded Fund 921946406 1,161 7,350 SH SOLE 0 0 7,350
VNGRD TOTAL INTL BND Exchange Traded Fund 92203J407 10,196 210,543 SH SOLE 0 0 210,543
VNGRD FTSE ALL-WORLD EX-US SMALL-CAP Exchange Traded Fund 922042718 889 5,762 SH SOLE 0 0 5,762
VNGRD TOTAL WORLD STOCK Exchange Traded Fund 922042742 363 2,316 SH SOLE 0 0 2,316
VNGRD FTSE ALL-WORLD EX-US IDX Exchange Traded Fund 922042775 9,468 113,062 SH SOLE 0 0 113,062
VNGRD FTSE EMRGNG MKTS Exchange Traded Fund 922042858 2,446 40,985 SH SOLE 0 0 40,985
VNGRD SP 500 Exchange Traded Fund 922908363 621 905 SH SOLE 0 0 905
VNGRD REAL ESTATE Exchange Traded Fund 922908553 258 2,682 SH SOLE 0 0 2,682
VNGRD EXTENDED MKT Exchange Traded Fund 922908652 16,670 67,708 SH SOLE 0 0 67,708
VNGRD MORN GROWTH Exchange Traded Fund 922908736 15,359 178,303 SH SOLE 0 0 178,303
VNGRD MORN SMALL-CAP Exchange Traded Fund 922908751 3,193 10,534 SH SOLE 0 0 10,534
WISDOMTREE EMRGNG MKTS HIGH DIV Exchange Traded Fund 97717W315 329 6,125 SH SOLE 0 0 6,125
WISDOMTREE U.S. SMALLCAP Exchange Traded Fund 97717W562 640 9,448 SH SOLE 0 0 9,448
WISDOMTREE U.S. SMALLCAP DIV Exchange Traded Fund 97717W604 816 20,070 SH SOLE 0 0 20,070
WISDOMTREE FLOATING RATE TRSY Exchange Traded Fund 97717Y527 10,828 215,067 SH SOLE 0 0 215,067