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 4,925 30 SH OTR 0 0 30
3M CO COM 88579Y101 2,169,139 13,214 SH SOLE 7,435 0 5,779
ABBVIE INC COM 00287Y109 224,089 857 SH SOLE 857 0 0
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 11,654,447 203,358 SH SOLE 203,358 0 0
ALPHABET INC CAP STK CL A 02079K305 2,229,565 6,480 SH SOLE 6,480 0 0
ALPHABET INC CAP STK CL C 02079K107 1,351,654 3,967 SH SOLE 3,967 0 0
AMAZON COM INC COM 023135106 2,979,885 11,960 SH SOLE 11,760 0 200
AMGEN INC COM 031162100 463,661 1,100 SH SOLE 1,100 0 0
APPLE INC COM 037833100 171,505 515 SH OTR 0 0 515
APPLE INC COM 037833100 18,373,036 55,171 SH SOLE 55,171 0 0
APPLIED MATLS INC COM 038222105 1,212,685 2,371 SH SOLE 2,371 0 0
ARES CAPITAL CORP COM 04010L103 195,322 10,226 SH SOLE 10,226 0 0
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100 400,140 9,000 SH SOLE 9,000 0 0
AT&T INC COM 00206R102 101,504 4,160 SH OTR 0 0 4,160
AT&T INC COM 00206R102 124,815 5,115 SH SOLE 5,115 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,698,158 9,435 SH SOLE 9,185 0 250
BOSTON SCIENTIFIC CORP COM 101137107 639,647 14,654 SH SOLE 14,654 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 237,307 3,803 SH SOLE 3,803 0 0
CAPITAL GROUP CORE BALANCED SHS 14021D107 12,445,004 338,640 SH SOLE 298,407 0 40,233
CAPITAL GROUP CORE EQUITY ET SHS CREAT UNIT 14020V108 3,828,333 86,030 SH SOLE 86,030 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 2,338,107 47,863 SH SOLE 45,523 0 2,340
CAPITAL GROUP EQUITY ETF TR US SM MI CA ETF 14022A102 326,287 10,539 SH SOLE 6,479 0 4,060
CAPITAL GROUP GROWTH ETF SHS CREAT UNIT 14020G101 1,452,370 30,621 SH SOLE 30,621 0 0
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508 915,796 36,661 SH SOLE 36,661 0 0
CAPITAL GRP FIXED INCM ETF T MUN INM ETF 14020Y201 670,653 25,854 SH SOLE 25,854 0 0
CATERPILLAR INC COM 149123101 5,745,586 7,086 SH SOLE 7,086 0 0
CATERPILLAR INC COM 149123101 8,108 10 SH OTR 0 0 10
CHARLES SCHWAB CORP (THE) COM 808513105 432,842 4,429 SH SOLE 4,429 0 0
CHEVRON CORPORATION COM 166764100 275,132 1,347 SH SOLE 1,347 0 0
CHEVRON CORPORATION COM 166764100 7,760 38 SH OTR 0 0 38
CISCO SYS INC COM 17275R102 17,867 166 SH OTR 0 0 166
CISCO SYS INC COM 17275R102 618,442 5,746 SH SOLE 5,746 0 0
CLOROX CO DEL COM 189054109 285,722 3,527 SH SOLE 3,527 0 0
COCA COLA CO COM 191216100 609,364 7,079 SH SOLE 7,079 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 366,393 402 SH SOLE 402 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105 211,800 800 SH SOLE 800 0 0
DARDEN RESTAURANTS INC COM 237194105 1,363,959 7,058 SH SOLE 7,058 0 0
DEERE & CO COM 244199105 3,145,237 4,684 SH SOLE 4,684 0 0
DELTA AIR LINES INC COM NEW 247361702 506,708 6,071 SH SOLE 6,071 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 523,127 6,757 SH SOLE 6,757 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 463,583 4,066 SH SOLE 4,066 0 0
ECOLAB INC COM 278865100 1,524,440 5,552 SH SOLE 5,552 0 0
ELI LILLY & CO COM 532457108 526,546 455 SH SOLE 455 0 0
EMERSON ELEC CO COM 291011104 9,771 63 SH OTR 0 0 63
EMERSON ELEC CO COM 291011104 1,742,722 11,236 SH SOLE 11,236 0 0
ENBRIDGE INC COM 29250N105 224,314 4,825 SH SOLE 4,825 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 8,520,393 215,379 SH SOLE 215,379 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 218,248 1,341 SH SOLE 1,341 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 12,206 75 SH OTR 0 0 75
FASTENAL CO COM 311900104 465,947 9,407 SH SOLE 9,407 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 678,136 2,260 SH SOLE 2,260 0 0
FIRST TR EXCH TRADED FD III LNG/SHT EQUITY 33739P103 217,800 2,840 SH SOLE 2,840 0 0
GE AEROSPACE COM NEW 369604301 608,119 1,947 SH SOLE 1,947 0 0
GE VERNOVA INC COM 36828A101 518,968 546 SH SOLE 546 0 0
GENERAL MILLS INC COM 370334104 3,980,250 123,764 SH SOLE 123,764 0 0
GRACO INC COM 384109104 868,138 11,298 SH SOLE 11,298 0 0
HECLA MINING COMPANY COM 422704106 255,031 14,975 SH SOLE 14,975 0 0
INTEL CORP COM 458140100 355,640 2,958 SH SOLE 2,958 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 376,740 1,713 SH SOLE 1,713 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL REL 46137V290 1,179,349 35,475 SH SOLE 8,300 0 27,175
INVESCO QQQ TR UNIT SER 1 46090E103 29,473,909 39,842 SH SOLE 39,297 0 545
IQVIA HLDGS INC COM 46266C105 237,126 882 SH SOLE 882 0 0
ISHARES SILVER TR ISHARES 46428Q109 275,930 5,062 SH SOLE 5,062 0 0
ISHARES TR 0-3 MTH TREASURY 46436E718 200,152 1,988 SH SOLE 1,988 0 0
ISHARES TR CORE S&P MCP ETF 464287507 2,033,684 28,265 SH SOLE 22,140 0 6,125
ISHARES TR CORE S&P SCP ETF 464287804 1,241,299 9,125 SH SOLE 9,125 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,810,601 2,364 SH SOLE 2,364 0 0
ISHARES TR CORE US AGGBD ET 464287226 3,891,316 41,161 SH SOLE 13,060 0 28,101
ISHARES TR ESG AW MSCI EAFE 46435G516 463,725 4,500 SH SOLE 4,500 0 0
ISHARES TR MORNINGSTR US EQ 464287127 888,432 8,408 SH SOLE 8,408 0 0
ISHARES TR MSCI EAFE ETF 464287465 359,899 3,464 SH SOLE 3,464 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,716,959 26,874 SH SOLE 26,874 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 472,982 3,776 SH SOLE 3,776 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 331,906 2,333 SH SOLE 2,333 0 0
ISHARES TR S&P 500 VAL ETF 464287408 273,234 1,197 SH SOLE 1,197 0 0
ISHARES TR TRUST ISHARE 0-1 464288679 722,470 6,549 SH SOLE 6,549 0 0
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609 308,766 3,197 SH SOLE 3,197 0 0
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167 301,235 3,779 SH SOLE 3,779 0 0
JABIL INC COM 466313103 249,568 870 SH SOLE 870 0 0
JOHNSON & JOHNSON COM 478160104 3,346,281 12,640 SH SOLE 12,640 0 0
JOHNSON & JOHNSON COM 478160104 26,474 100 SH OTR 0 0 100
JPMORGAN CHASE & CO COM 46625H100 1,101,921 3,331 SH SOLE 3,331 0 0
KIMBERLY-CLARK CORP COM 494368103 655,996 6,733 SH SOLE 6,733 0 0
KLA CORP COM NEW 482480100 1,812,849 9,300 SH SOLE 9,300 0 0
M & T BK CORP COM 55261F104 221,734 1,019 SH SOLE 1,019 0 0
MASTERCARD INCORPORATED CL A 57636Q104 560,845 1,017 SH SOLE 1,017 0 0
MCDONALDS CORP COM 580135101 703,162 3,045 SH SOLE 3,045 0 0
MEDTRONIC PLC SHS G5960L103 423,339 4,906 SH SOLE 4,036 0 870
MERCK & CO INC COM 58933Y105 2,104,379 14,482 SH SOLE 14,482 0 0
META PLATFORMS INC CL A 30303M102 2,776,005 3,828 SH SOLE 3,828 0 0
MICRON TECHNOLOGY INC COM 595112103 284,105 267 SH SOLE 267 0 0
MICROSOFT CORP COM 594918104 6,634,856 12,936 SH SOLE 12,936 0 0
NNN REIT INC COM 637417106 255,169 6,210 SH SOLE 6,210 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 404,609 8,338 SH SOLE 8,338 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 352,708 35,448 SH SOLE 35,448 0 0
NVIDIA CORPORATION COM 67066G104 1,766,085 7,733 SH SOLE 7,733 0 0
ORACLE CORP COM 68389X105 2,755,886 20,072 SH SOLE 20,072 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 1,162,753 6,216 SH SOLE 6,016 0 200
PALO ALTO NETWORKS INC COM 697435105 662,316 1,667 SH SOLE 1,667 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 14,740,367 162,913 SH SOLE 162,913 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 5,716,035 56,848 SH SOLE 56,848 0 0
PRICE T ROWE GROUP INC COM 74144T108 437,973 4,209 SH SOLE 4,209 0 0
PROCTER & GAMBLE CO COM 742718109 455,162 3,133 SH SOLE 3,133 0 0
PROCTER & GAMBLE CO COM 742718109 49,395 340 SH OTR 0 0 340
PUBLIC STORAGE COM 74460D109 2,727,992 9,645 SH SOLE 9,645 0 0
QUALCOMM INC COM 747525103 200,129 1,087 SH SOLE 1,087 0 0
QUEST DIAGNOSTICS INC COM 74834L100 1,701,411 7,300 SH SOLE 7,300 0 0
REALTY INCOME CORP COM 756109104 201,829 3,717 SH SOLE 3,717 0 0
REGENERON PHARMACEUTICALS COM 75886F107 211,557 279 SH SOLE 279 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,337,833 60,535 SH SOLE 60,535 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 51,924,665 1,771,568 SH SOLE 1,771,568 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 909,201 27,950 SH SOLE 22,575 0 5,375
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,806,774 60,226 SH SOLE 60,226 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 619,360 18,981 SH SOLE 18,981 0 0
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 403,858 2,398 SH SOLE 2,398 0 0
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 818,677 10,157 SH SOLE 10,157 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 535,964 2,738 SH SOLE 2,738 0 0
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 489,701 12,416 SH SOLE 12,416 0 0
SERVICENOW INC COM 81762P102 496,775 3,707 SH SOLE 3,707 0 0
SOLVENTUM CORP COM SHS 83444M101 617 7 SH OTR 0 0 7
SOLVENTUM CORP COM SHS 83444M101 238,534 2,706 SH SOLE 1,260 0 1,446
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 428,064 2,837 SH SOLE 2,837 0 0
SPDR GOLD TR GOLD SHS 78463V107 400,061 1,050 SH SOLE 1,050 0 0
SPDR SERIES TRUST ST SHO TREAS ETF 78468R101 770,650 26,880 SH SOLE 26,880 0 0
SPDR SERIES TRUST ST STR P400MID 78464A847 1,086,465 17,235 SH SOLE 17,235 0 0
SPDR SERIES TRUST ST STR P500GRW 78464A409 1,290,834 10,488 SH SOLE 10,488 0 0
SPDR SERIES TRUST ST STR P500VAL 78464A508 262,370 4,292 SH SOLE 4,292 0 0
SPDR SERIES TRUST ST STR SP AERO 78464A631 208,125 900 SH SOLE 0 0 900
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 15,130,484 29,752 SH SOLE 29,352 0 400
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 78,315,380 102,691 SH SOLE 101,548 0 1,143
STRATEGIC TRUST RUNNING GWTH ETF 48817R870 3,915,612 120,480 SH SOLE 117,638 0 2,842
STRATEGY INC CL A NEW 594972408 382,725 2,500 SH SOLE 2,500 0 0
T ROWE PRICE EXCHANGE-TRADED CAP APPRECIATION 87283Q867 225,464 5,334 SH SOLE 5,334 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 785,559 1,722 SH SOLE 1,722 0 0
TARGET CORP COM 87612E106 1,084,922 6,924 SH SOLE 6,924 0 0
TESLA INC COM 88160R101 475,196 1,339 SH SOLE 1,339 0 0
TORO CO COM 891092108 432,154 4,482 SH SOLE 4,482 0 0
TRAVELERS COMPANIES INC COM 89417E109 397,152 1,114 SH SOLE 1,114 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,435,531 6,635 SH SOLE 6,545 0 90
US BANCORP COM NEW 902973304 673,597 11,662 SH SOLE 11,662 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 135,657 1,587 SH SOLE 1,587 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 180,534 2,112 SH OTR 0 0 2,112
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 10,114,103 112,242 SH SOLE 112,242 0 0
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 1,963,675 5,581 SH SOLE 5,581 0 0
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 1,193,232 4,085 SH SOLE 4,085 0 0
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 6,150,964 78,436 SH SOLE 78,436 0 0
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 9,240,329 27,352 SH SOLE 27,352 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 12,193,498 42,861 SH SOLE 42,861 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 1,509,048 4,032 SH SOLE 3,657 0 375
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 1,648,207 7,628 SH SOLE 7,628 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,245,859 25,057 SH SOLE 6,082 0 18,975
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 50,331,651 71,814 SH SOLE 71,814 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 72,350 872 SH SOLE 872 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 159,551 1,923 SH OTR 0 0 1,923
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 725,705 12,236 SH SOLE 12,236 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 347,200 4,000 SH SOLE 4,000 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 963,953 4,132 SH SOLE 4,132 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,060,774 15,023 SH SOLE 15,023 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 283,240 1,825 SH SOLE 475 0 1,350
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 2,524,489 6,922 SH SOLE 6,922 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 1,833,240 14,092 SH SOLE 14,092 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 2,689,974 8,510 SH SOLE 8,510 0 0
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 2,636,854 8,227 SH SOLE 8,227 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 5,288,030 42,079 SH SOLE 42,079 0 0
VANGUARD WORLD FD MRNGSTR VAL ETF 921910840 218,921 1,359 SH SOLE 1,359 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 302,760 6,600 SH SOLE 6,600 0 0
VISA INC COM CL A 92826C839 359,088 999 SH SOLE 999 0 0
WALMART INC COM 931142103 20,888 201 SH OTR 0 0 201
WALMART INC COM 931142103 635,062 6,111 SH SOLE 6,111 0 0
WASTE MGMT INC DEL COM 94106L109 461,067 2,261 SH SOLE 2,261 0 0
WELLS FARGO & CO COM 949746101 309,073 3,861 SH SOLE 3,861 0 0
WESTERN DIGITAL CORP COM 958102105 609,431 1,341 SH SOLE 1,341 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 1,123,154 13,667 SH SOLE 12,290 0 1,377
XCEL ENERGY INC COM 98389B100 11,700 166 SH OTR 0 0 166
XCEL ENERGY INC COM 98389B100 4,635,811 65,775 SH SOLE 24,788 0 40,987