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
3M CO COM 88579Y101 628,530 3,829 SH SOLE 0 0 0 3,829
ABBOTT LABORATORIES COM 002824100 404,907 4,097 SH SOLE 0 0 0 4,097
ABBVIE INC COM 00287Y109 2,793,258 10,678 SH SOLE 0 0 0 10,678
ADOBE INC COM 00724F101 725,579 3,024 SH SOLE 0 0 0 3,024
AFLAC INC COM 001055102 2,550,484 22,817 SH SOLE 0 0 0 22,817
AKAMAI TECHNOLOGIES INC COM 00971T101 955,448 8,984 SH SOLE 0 0 0 8,984
ALPHABET INC CAP STK CL A 02079K305 5,343,369 15,529 SH SOLE 0 0 0 15,529
ALPHABET INC CAP STK CL C 02079K107 359,140 1,054 SH SOLE 0 0 0 1,054
ALTRIA GROUP INC COM 02209S103 468,619 6,959 SH SOLE 0 0 0 6,959
AMAZON COM INC COM 023135106 670,214 2,690 SH SOLE 0 0 0 2,690
AMERICAN EXPRESS CO COM 025816109 524,268 1,724 SH SOLE 0 0 0 1,724
AMERICAN TOWER CORP COM 03027X100 1,687,480 10,309 SH SOLE 0 0 0 10,309
AMERICAN WTR WKS CO INC NEW COM 030420103 479,945 3,707 SH SOLE 0 0 0 3,707
AMGEN INC COM 031162100 3,033,607 7,197 SH SOLE 0 0 0 7,197
ANALOG DEVICES INC COM 032654105 249,531 629 SH SOLE 0 0 0 629
APPLE INC COM 037833100 4,943,510 14,844 SH SOLE 0 0 0 14,844
APPLIED MATLS INC COM 038222105 1,223,221 2,392 SH SOLE 0 0 0 2,392
ARCHER DANIELS MIDLAND CO COM 039483102 279,497 3,521 SH SOLE 0 0 0 3,521
AT&T INC COM 00206R102 790,365 32,392 SH SOLE 0 0 0 32,392
BANK OF AMER CORP COM 060505104 907,628 16,675 SH SOLE 0 0 0 16,675
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 851,992 1,711 SH SOLE 0 0 0 1,711
BLACKROCK INC COM 09290D101 1,057,232 999 SH SOLE 0 0 0 999
BRISTOL-MYERS SQUIBB CO COM 110122108 1,624,584 26,035 SH SOLE 0 0 0 26,035
BROADCOM INC COM 11135F101 2,567,901 7,312 SH SOLE 0 0 0 7,312
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 289,980 1,800 SH SOLE 0 0 0 1,800
CARDINAL HEALTH INC COM 14149Y108 3,212,010 14,436 SH SOLE 0 0 0 14,436
CATERPILLAR INC COM 149123101 736,197 908 SH SOLE 0 0 0 908
CHENIERE ENERGY INC COM NEW 16411R208 322,836 1,200 SH SOLE 0 0 0 1,200
CHEVRON CORPORATION COM 166764100 2,457,667 12,035 SH SOLE 0 0 0 12,035
CISCO SYS INC COM 17275R102 7,019,090 65,215 SH SOLE 0 0 0 65,215
CITIGROUP INC COM NEW 172967424 203,431 1,571 SH SOLE 0 0 0 1,571
COCA COLA CO COM 191216100 593,694 6,897 SH SOLE 0 0 0 6,897
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 912,779 15,891 SH SOLE 0 0 0 15,891
COHERENT CORP COM 19247G107 708,300 2,461 SH SOLE 0 0 0 2,461
COMCAST CORP NEW CL A 20030N101 303,182 13,933 SH SOLE 0 0 0 13,933
COSTCO WHOLESALE CORPORATION COM 22160K105 2,426,966 2,666 SH SOLE 0 0 0 2,666
CVS HEALTH CORP COM 126650100 1,010,456 11,792 SH SOLE 0 0 0 11,792
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 13,480,245 325,374 SH SOLE 0 0 0 325,374
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 9,692,442 125,193 SH SOLE 0 0 0 125,193
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,263,024 19,010 SH SOLE 0 0 0 19,010
DIMENSIONAL ETF TRUST SHOR DUR FIX ETF 25434V864 1,542,870 33,200 SH SOLE 0 0 0 33,200
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 7,300,358 158,600 SH SOLE 0 0 0 158,600
DIMENSIONAL ETF TRUST ULTR FIX INC ETF 25434V591 2,088,771 41,370 SH SOLE 0 0 0 41,370
DISNEY WALT CO COM 254687106 1,205,511 11,492 SH SOLE 0 0 0 11,492
EATON CORP PLC SHS G29183103 379,004 882 SH SOLE 0 0 0 882
EBAY INC. COM 278642103 519,009 4,894 SH SOLE 0 0 0 4,894
ELI LILLY & CO COM 532457108 2,697,153 2,331 SH SOLE 0 0 0 2,331
EMERSON ELEC CO COM 291011104 2,896,648 18,676 SH SOLE 0 0 0 18,676
ENBRIDGE INC COM 29250N105 630,590 13,564 SH SOLE 0 0 0 13,564
EVERUS CONSTR GROUP COM 300426103 601,232 5,116 SH SOLE 0 0 0 5,116
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 4,625,518 28,421 SH SOLE 0 0 0 28,421
FASTENAL CO COM 311900104 223,578 4,514 SH SOLE 0 0 0 4,514
FEDEX CORP COM 31428X106 774,875 2,718 SH SOLE 0 0 0 2,718
FLEXSHARES TR NRTRN TR MRN GBL 33939L407 592,692 11,238 SH SOLE 0 0 0 11,238
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108 1,493,100 35,000 SH SOLE 0 0 0 35,000
GE AEROSPACE COM NEW 369604301 773,855 2,478 SH SOLE 0 0 0 2,478
GE VERNOVA INC COM 36828A101 580,749 611 SH SOLE 0 0 0 611
GEN DIGITAL INC COM 668771108 603,172 27,392 SH SOLE 0 0 0 27,392
GENERAC HLDGS INC COM 368736104 510,339 2,466 SH SOLE 0 0 0 2,466
GENERAL DYNAMICS CORP COM 369550108 1,481,621 4,465 SH SOLE 0 0 0 4,465
GENERAL MILLS INC COM 370334104 813,519 25,296 SH SOLE 0 0 0 25,296
GENERAL MTRS CO COM 37045V100 518,210 6,730 SH SOLE 0 0 0 6,730
GENUINE PARTS CO COM 372460105 824,603 6,558 SH SOLE 0 0 0 6,558
GILEAD SCIENCES INC COM 375558103 745,101 4,999 SH SOLE 0 0 0 4,999
HOME DEPOT INC COM 437076102 407,105 1,431 SH SOLE 0 0 0 1,431
HUNTINGTON INGALLS INDS INC COM 446413106 807,887 3,025 SH SOLE 0 0 0 3,025
ILLINOIS TOOL WKS INC COM 452308109 489,861 1,904 SH SOLE 0 0 0 1,904
INTEL CORP COM 458140100 2,219,927 18,464 SH SOLE 0 0 0 18,464
INTERNATIONAL BUSINESS MACHS COM 459200101 2,980,052 13,550 SH SOLE 0 0 0 13,550
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 553,749 2,662 SH SOLE 0 0 0 2,662
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449 12,746,527 98,772 SH SOLE 0 0 0 98,772
INVESCO QQQ TR UNIT SER 1 46090E103 443,862 600 SH SOLE 0 0 0 600
ISHARES GOLD TR ISHARES NEW 464285204 21,227,268 271,796 SH SOLE 0 0 0 271,796
ISHARES TR NATIONAL MUN ETF 464288414 5,125,770 50,700 SH SOLE 0 0 0 50,700
ISHARES TR ISHS 5-10YR INVT 464288638 2,384,123 47,351 SH SOLE 0 0 0 47,351
ISHARES TR US AER DEF ETF 464288760 250,688 1,210 SH SOLE 0 0 0 1,210
ISHARES TR ESG OPTIMIZED 464288802 364,603 2,342 SH SOLE 0 0 0 2,342
ISHARES TR MSCI EMG MKT ETF 464287234 2,389,412 35,775 SH SOLE 0 0 0 35,775
ISHARES TR CORE US AGGBD ET 464287226 1,293,496 13,682 SH SOLE 0 0 0 13,682
ISHARES TR CORE S&P MCP ETF 464287507 4,781,221 66,452 SH SOLE 0 0 0 66,452
ISHARES TR CORE S&P SCP ETF 464287804 2,201,943 16,186 SH SOLE 0 0 0 16,186
ISHARES TR CORE S&P500 ETF 464287200 4,613,480 6,024 SH SOLE 0 0 0 6,024
ISHARES TR RUSSELL 2000 ETF 464287655 831,447 2,992 SH SOLE 0 0 0 2,992
ISHARES TR MSCI EAFE ETF 464287465 519,450 5,000 SH SOLE 0 0 0 5,000
ISHARES TR 7-10 YR TRSY BD 464287440 1,037,309 11,615 SH SOLE 0 0 0 11,615
ISHARES TR CORE DIV GRWTH 46434V621 2,856,753 37,893 SH SOLE 0 0 0 37,893
ISHARES TR CORE MSCI TOTAL 46432F834 222,657 2,344 SH SOLE 0 0 0 2,344
ISHARES TR CORE MSCI EAFE 46432F842 1,457,172 15,041 SH SOLE 0 0 0 15,041
ISHARES TR 0-5YR HI YL CP 46434V407 205,219 4,975 SH SOLE 0 0 0 4,975
ISHARES TR 0-5YR INVT GR CP 46434V100 220,165 4,450 SH SOLE 0 0 0 4,450
ISHARES TR ULTRA SHORT DUR 46434V878 1,920,240 38,100 SH SOLE 0 0 0 38,100
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 5,464,792 108,493 SH SOLE 0 0 0 108,493
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 5,890,240 116,500 SH SOLE 0 0 0 116,500
JOHNSON & JOHNSON COM 478160104 2,831,130 10,694 SH SOLE 0 0 0 10,694
JPMORGAN CHASE & CO COM 46625H100 6,221,258 18,805 SH SOLE 0 0 0 18,805
KLA CORP COM NEW 482480100 253,409 1,300 SH SOLE 0 0 0 1,300
KNIFE RIVER CORP COMMON STOCK 498894104 257,949 5,116 SH SOLE 0 0 0 5,116
L3HARRIS TECHNOLOGIES INC COM 502431109 493,686 2,085 SH SOLE 0 0 0 2,085
LOCKHEED MARTIN CORP COM 539830109 809,708 1,590 SH SOLE 0 0 0 1,590
LOWES COS INC COM 548661107 909,287 4,934 SH SOLE 0 0 0 4,934
LYONDELLBASELL INDUSTRIES NV SHS - A - N53745100 431,025 7,500 SH SOLE 0 0 0 7,500
MASTEC INC COM 576323109 308,681 1,445 SH SOLE 0 0 0 1,445
MASTERCARD INCORPORATED CL A 57636Q104 1,264,521 2,293 SH SOLE 0 0 0 2,293
MCDONALDS CORP COM 580135101 848,012 3,672 SH SOLE 0 0 0 3,672
MCKESSON CORP COM 58155Q103 942,606 1,104 SH SOLE 0 0 0 1,104
MDU RES GROUP INC COM 552690109 379,792 20,485 SH SOLE 0 0 0 20,485
MEDTRONIC PLC SHS G5960L103 663,829 7,693 SH SOLE 0 0 0 7,693
MERCK & CO INC COM 58933Y105 1,637,239 11,267 SH SOLE 0 0 0 11,267
META PLATFORMS INC CL A 30303M102 308,935 426 SH SOLE 0 0 0 426
MICROSOFT CORP COM 594918104 6,630,665 12,928 SH SOLE 0 0 0 12,928
MOLSON COORS BEVERAGE CO CL B 60871R209 330,746 9,069 SH SOLE 0 0 0 9,069
NETAPP INC COM 64110D104 2,106,682 10,028 SH SOLE 0 0 0 10,028
NEWMONT CORP COM 651639106 322,606 2,797 SH SOLE 0 0 0 2,797
NIKE INC CL B 654106103 264,261 7,465 SH SOLE 0 0 0 7,465
NORTHERN TR CORP COM 665859104 365,648 2,159 SH SOLE 0 0 0 2,159
NOVARTIS AG SPONSORED ADR 66987V109 776,579 5,447 SH SOLE 0 0 0 5,447
NOVO-NORDISK A S ADR 670100205 341,455 9,007 SH SOLE 0 0 0 9,007
NUCOR CORP COM 670346105 1,747,281 7,475 SH SOLE 0 0 0 7,475
NVIDIA CORPORATION COM 67066G104 570,961 2,500 SH SOLE 0 0 0 2,500
ORACLE CORP COM 68389X105 312,220 2,274 SH SOLE 0 0 0 2,274
PACKAGING CORP AMER COM 695156109 831,755 3,628 SH SOLE 0 0 0 3,628
PALO ALTO NETWORKS INC COM 697435105 927,322 2,334 SH SOLE 0 0 0 2,334
PAYCHEX INC COM 704326107 564,996 5,736 SH SOLE 0 0 0 5,736
PAYPAL HLDGS INC COM 70450Y103 447,766 8,524 SH SOLE 0 0 0 8,524
PEPSICO INC COM 713448108 529,056 4,175 SH SOLE 0 0 0 4,175
PFIZER INC COM 717081103 948,775 33,267 SH SOLE 0 0 0 33,267
PHILIP MORRIS INTL INC COM 718172109 308,938 1,619 SH SOLE 0 0 0 1,619
PHILLIPS 66 COM 718546104 935,711 3,665 SH SOLE 0 0 0 3,665
PPL CORP COM 69351T106 480,720 14,616 SH SOLE 0 0 0 14,616
PROCTER & GAMBLE CO COM 742718109 699,814 4,817 SH SOLE 0 0 0 4,817
PRUDENTIAL FINL INC COM 744320102 641,386 5,647 SH SOLE 0 0 0 5,647
QUALCOMM INC COM 747525103 705,241 3,832 SH SOLE 0 0 0 3,832
RTX CORPORATION COM 75513E101 792,169 4,267 SH SOLE 0 0 0 4,267
SALESFORCE INC COM 79466L302 374,658 1,632 SH SOLE 0 0 0 1,632
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 264,646 9,634 SH SOLE 0 0 0 9,634
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 202,208 6,197 SH SOLE 0 0 0 6,197
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 249,642 6,948 SH SOLE 0 0 0 6,948
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 325,372 9,768 SH SOLE 0 0 0 9,768
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 1,160,385 27,714 SH SOLE 0 0 0 27,714
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 3,320,424 3,600 SH SOLE 0 0 0 3,600
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 1,765,050 28,700 SH SOLE 0 0 0 28,700
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 1,528,808 7,810 SH SOLE 0 0 0 7,810
SHELL PLC SPON ADS 780259305 205,688 2,164 SH SOLE 0 0 0 2,164
SLB LIMITED COM STK 806857108 664,736 13,644 SH SOLE 0 0 0 13,644
SNOWFLAKE INC COM SHS 833445109 399,323 1,176 SH SOLE 0 0 0 1,176
SPDR GOLD TR GOLD SHS 78463V107 950,577 2,496 SH SOLE 0 0 0 2,496
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 378,834 7,545 SH SOLE 0 0 0 7,545
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 612,654 25,150 SH SOLE 0 0 0 25,150
SPDR SERIES TRUST ST INTER BD ETF 78464A375 597,503 18,510 SH SOLE 0 0 0 18,510
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 4,401,652 48,032 SH SOLE 0 0 0 48,032
SPDR SERIES TRUST ST STR SP DIV 78464A763 1,025,360 7,000 SH SOLE 0 0 0 7,000
SPDR SERIES TRUST ST STR P500VAL 78464A508 254,606 4,165 SH SOLE 0 0 0 4,165
SPDR SERIES TRUST ST STR SP600 SML 78468R853 224,602 4,249 SH SOLE 0 0 0 4,249
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD TR 85207H104 363,139 11,613 SH SOLE 0 0 0 11,613
STARBUCKS CORP COM 855244109 379,223 4,036 SH SOLE 0 0 0 4,036
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 4,653,030 6,101 SH SOLE 0 0 0 6,101
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 1,225,421 1,866 SH SOLE 0 0 0 1,866
STRYKER CORPORATION COM 863667101 254,460 924 SH SOLE 0 0 0 924
TARGET CORP COM 87612E106 2,198,204 14,029 SH SOLE 0 0 0 14,029
TJX COS INC NEW COM 872540109 609,288 4,605 SH SOLE 0 0 0 4,605
TRADEWEB MKTS INC CL A 892672106 228,705 2,268 SH SOLE 0 0 0 2,268
TRAVELERS COMPANIES INC COM 89417E109 1,380,407 3,872 SH SOLE 0 0 0 3,872
TYSON FOODS INC CL A 902494103 202,171 4,001 SH SOLE 0 0 0 4,001
UNION PAC CORP COM 907818108 548,886 2,017 SH SOLE 0 0 0 2,017
UNITED PARCEL SVCS INC CL B 911312106 806,481 8,631 SH SOLE 0 0 0 8,631
US BANCORP COM NEW 902973304 621,902 10,767 SH SOLE 0 0 0 10,767
VALERO ENERGY CORP COM 91913Y100 1,303,920 3,364 SH SOLE 0 0 0 3,364
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 19,594,308 256,470 SH SOLE 0 0 0 256,470
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 7,138,214 36,507 SH SOLE 0 0 0 36,507
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 3,205,979 14,837 SH SOLE 0 0 0 14,837
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 1,112,780 14,190 SH SOLE 0 0 0 14,190
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 3,678,922 15,924 SH SOLE 0 0 0 15,924
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 401,131 1,410 SH SOLE 0 0 0 1,410
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 4,545,893 12,147 SH SOLE 0 0 0 12,147
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 848,064 11,200 SH SOLE 0 0 0 11,200
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 484,029 8,161 SH SOLE 0 0 0 8,161
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 947,517 11,420 SH SOLE 0 0 0 11,420
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,544,292 32,490 SH SOLE 0 0 0 32,490
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 10,281,048 133,088 SH SOLE 0 0 0 133,088
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 816,584 14,412 SH SOLE 0 0 0 14,412
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,469,553 14,871 SH SOLE 0 0 0 14,871
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 609,929 8,638 SH SOLE 0 0 0 8,638
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4,350,566 28,032 SH SOLE 0 0 0 28,032
VANGUARD WORLD FD ESG INTL STK ETF 921910725 200,648 2,475 SH SOLE 0 0 0 2,475
VERIZON COMMUNICATIONS INC COM 92343V104 2,279,372 49,692 SH SOLE 0 0 0 49,692
VERTEX PHARMACEUTICALS INC COM 92532F100 460,596 881 SH SOLE 0 0 0 881
VIATRIS INC COM 92556V106 248,877 14,045 SH SOLE 0 0 0 14,045
VIRTU FINL INC CL A 928254101 1,063,430 19,279 SH SOLE 0 0 0 19,279
VISA INC COM CL A 92826C839 445,569 1,240 SH SOLE 0 0 0 1,240
WALMART INC COM 931142103 562,103 5,409 SH SOLE 0 0 0 5,409
WASTE MGMT INC DEL COM 94106L109 591,776 2,902 SH SOLE 0 0 0 2,902
WELLS FARGO & CO COM 949746101 241,271 3,014 SH SOLE 0 0 0 3,014
XYLEM INC COM 98419M100 421,384 4,161 SH SOLE 0 0 0 4,161
ZOETIS INC CL A 98978V103 224,503 3,215 SH SOLE 0 0 0 3,215