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
AT&T INC COM 00206R102 37 1,496 SH SOLE 1,496 0 0
ABBVIE INC COM 00287Y109 3,518 13,447 SH SOLE 13,447 0 0
ALPHABET INC CAP STK CL A 02079K305 924 2,685 SH SOLE 2,685 0 0
AMAZON COM INC COM 023135106 780 3,132 SH SOLE 3,132 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 338 2,872 SH SOLE 2,872 0 0
CENCORA INC COM 03073E105 1,292 4,303 SH SOLE 4,303 0 0
APPLE INC COM 037833100 5,005 15,029 SH SOLE 15,029 0 0
APPLIED MATLS INC COM 038222105 72 140 SH SOLE 140 0 0
APPLOVING CORP COM CL A 03831W108 752 2,589 SH SOLE 2,589 0 0
BANK OF AMER CORP COM 060505104 21 379 SH SOLE 379 0 0
BOOKING HOLDINGS INC COM 09857L108 708 4,349 SH SOLE 4,349 0 0
BROADCOM INC COM 11135F101 1,916 5,457 SH SOLE 5,457 0 0
CATERPILLAR INC COM 149123101 30 37 SH SOLE 37 0 0
CHEVRON CORP NEW COM 166764100 1,216 5,955 SH SOLE 5,955 0 0
CINTAS CORP COM 172908105 1,294 6,634 SH SOLE 6,634 0 0
CITIGROUP INC COM NEW 172967424 1,930 14,909 SH SOLE 14,909 0 0
COCA COLA CO COM 191216100 57 665 SH SOLE 665 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,137 2,347 SH SOLE 2,347 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 127 778 SH SOLE 778 0 0
META PLATFORMS INC CL A 30303M102 1,120 1,545 SH SOLE 1,545 0 0
ONEOK INC NEW COM 30609A109 1,976 23,171 SH SOLE 23,171 0 0
FASTENAL CO COM 311900104 2,292 46,269 SH SOLE 46,269 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 1,686 40,724 SH SOLE 40,724 0 0
GENERAL DYNAMICS CORP COM 369550108 1,804 5,436 SH SOLE 5,436 0 0
GILEAD SCIENCES INC COM 375558103 24 159 SH SOLE 159 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 1,739 1,931 SH SOLE 1,931 0 0
HALLIBURTON CO COM 406216101 26 817 SH SOLE 817 0 0
HARBOR ETF TRUST HARBOR COMMODITY 41151J505 342 9,712 SH SOLE 9,712 0 0
HOME DEPOT INC COM 437076102 1,502 5,281 SH SOLE 5,281 0 0
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107 756 8,846 SH SOLE 8,846 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,212 5,513 SH SOLE 5,513 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 91 122 SH SOLE 122 0 0
ISHARES TR TIPS BD ETF 464287176 395 3,794 SH SOLE 3,794 0 0
ISHARES TR S&P 500 INDEX 464287200 34,308 44,797 SH SOLE 44,797 0 0
ISHARES TR CORE US AGGBD ET 464287226 24,507 259,226 SH SOLE 259,226 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,121 14,419 SH SOLE 14,419 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 1,693 18,960 SH SOLE 18,960 0 0
ISHARES TR ISHARES SEMICDTR 464287523 5,173 9,097 SH SOLE 9,097 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109 70,744 671,573 SH SOLE 671,573 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 18,100 191,577 SH SOLE 191,577 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 19,255 205,084 SH SOLE 205,084 0 0
ISHARES TR MRGSTR MD CP VAL 464288406 19,283 210,165 SH SOLE 210,165 0 0
ISHARES TR MRGSTR SM CP GR 464288604 11,006 179,901 SH SOLE 179,901 0 0
ISHARES TR MRNING SM CP ETF 464288703 14,179 189,541 SH SOLE 189,541 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 772 7,741 SH SOLE 7,741 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 626 12,426 SH SOLE 12,426 0 0
JPMORGAN CHASE & CO COM 46625H100 2,374 7,176 SH SOLE 7,176 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 173 3,436 SH SOLE 3,436 0 0
JOHNSON & JOHNSON COM 478160104 40 150 SH SOLE 150 0 0
KIMBERLY-CLARK CORP COM 494368103 1,855 19,041 SH SOLE 19,041 0 0
ELI LILLY & CO COM 532457108 3,391 2,931 SH SOLE 2,931 0 0
MASTERCARD INCORPORATED CL A 57636Q104 789 1,430 SH SOLE 1,430 0 0
MCDONALDS CORP COM 580135101 1,560 6,753 SH SOLE 6,753 0 0
MERCADOLIBRE INC COM 58733R102 792 458 SH SOLE 458 0 0
MERCK & CO INC COM 58933Y105 3,742 25,751 SH SOLE 25,751 0 0
MICROSOFT CORP COM 594918104 3,736 7,284 SH SOLE 7,284 0 0
MICRON TECHNOLOGY INC COM 595112103 869 816 SH SOLE 816 0 0
MOODYS CORP COM 615369105 775 1,706 SH SOLE 1,706 0 0
MORGAN STANLEY COM NEW 617446448 1,828 9,721 SH SOLE 9,721 0 0
NVIDIA CORPORATION COM 67066G104 977 4,278 SH SOLE 4,278 0 0
ORACLE CORP COM 68389X105 25 179 SH SOLE 179 0 0
PAYCHEX INC COM 704326107 1,974 20,038 SH SOLE 20,038 0 0
PRICE T ROWE GROUP INC COM 74144T108 1,499 14,405 SH SOLE 14,405 0 0
PROCTER AND GAMBLE CO COM 742718109 40 273 SH SOLE 273 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,275 12,253 SH SOLE 12,253 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 4,314 11,327 SH SOLE 11,327 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 542 6,035 SH SOLE 6,035 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 6,282 68,555 SH SOLE 68,555 0 0
SCHWAB CHARLES CORP COM 808513105 19 196 SH SOLE 196 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 43,914 1,463,791 SH SOLE 1,463,791 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 18,051 553,199 SH SOLE 553,199 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,288 254,782 SH SOLE 254,782 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 55,707 2,027,938 SH SOLE 2,027,938 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 34,677 1,379,918 SH SOLE 1,379,918 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 4,981 80,985 SH SOLE 80,985 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 2,135 19,236 SH SOLE 19,236 0 0
T-MOBILE US INC COM 872590104 24 145 SH SOLE 145 0 0
T ROWE PRICE EXCHANGE-TRADED FLOATING RATE 87283Q883 8,618 170,654 SH SOLE 170,654 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 874 1,915 SH SOLE 1,915 0 0
USCF ETF TR SUMMERHAVEN K1 90290T809 346 11,097 SH SOLE 11,097 0 0
UBER TECHNOLOGIES INC COM 90353T100 757 11,055 SH SOLE 11,055 0 0
UNITEDHEALTH GROUP INC COM 91324P102 60 164 SH SOLE 164 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 540 6,355 SH SOLE 6,355 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,086 101,010 SH SOLE 101,010 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 52,528 743,918 SH SOLE 743,918 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 44,793 755,238 SH SOLE 755,238 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 537 3,138 SH SOLE 3,138 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 19,049 246,595 SH SOLE 246,595 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 13,703 174,978 SH SOLE 174,978 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 31,417 44,826 SH SOLE 44,826 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,213 47,005 SH SOLE 47,005 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 20 432 SH SOLE 432 0 0
VISA INC COM CL A 92826C839 842 2,342 SH SOLE 2,342 0 0
WEC ENERGY GROUP INC COM 92939U106 1,474 14,621 SH SOLE 14,621 0 0
WALMART INC COM 931142103 17 161 SH SOLE 161 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 30,227 599,859 SH SOLE 599,859 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 1,594 19,392 SH SOLE 19,392 0 0
XCEL ENERGY INC COM 98389B100 0 0 SH SOLE 0 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 682 3,721 SH SOLE 3,721 0 0
EATON CORP PLC SHS G29183103 1,055 2,456 SH SOLE 2,456 0 0
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 825 895 SH SOLE 895 0 0
ASML HLDG NV N Y REGISTRY SHS N07059210 833 460 SH SOLE 460 0 0