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
ISHARES GOLD TR ISHARES NEW 464285204 273,350 3,500 SH SOLE 0 0 3,500
SPDR GOLD TR GOLD SHS 78463V107 657,711 1,727 SH SOLE 0 0 1,727
ADVANCED MICRO DEVICES INC COM 007903107 411,103 672 SH SOLE 0 0 672
ALERUS FINL CORP COM 01446U103 2,130,718 67,470 SH SOLE 0 0 67,470
ALPHABET INC CAP STK CL A 02079K305 262,268 762 SH SOLE 0 0 762
ALPHABET INC CAP STK CL C 02079K107 225,981 663 SH SOLE 0 0 663
AMAZON COM INC COM 023135106 1,503,149 6,033 SH SOLE 0 0 6,033
AMGEN INC COM 031162100 1,181,495 2,803 SH SOLE 0 0 2,803
APPLE INC COM 037833100 2,065,788 6,203 SH SOLE 0 0 6,203
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 18,168,703 193,243 SH SOLE 0 0 193,243
AMERICAN CENTY ETF TR US SML CP VALU 025072877 14,318,390 121,579 SH SOLE 0 0 121,579
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 737,544 1,481 SH SOLE 0 0 1,481
CAPITAL GROUP NEW GEOGRAPHY SHS 14021N105 209,173 5,739 SH SOLE 0 0 5,739
CATERPILLAR INC COM 149123101 328,751 405 SH SOLE 0 0 405
CISCO SYS INC COM 17275R102 249,662 2,320 SH SOLE 0 0 2,320
COCA COLA CO COM 191216100 403,547 4,688 SH SOLE 0 0 4,688
CONOCOPHILLIPS COM 20825C104 208,444 1,666 SH SOLE 0 0 1,666
DELTA AIR LINES INC COM NEW 247361702 312,085 3,739 SH SOLE 0 0 3,739
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 225,430 5,441 SH SOLE 0 0 5,441
ELI LILLY & CO COM 532457108 270,005 233 SH SOLE 0 0 233
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 705,006 4,332 SH SOLE 0 0 4,332
FASTENAL CO COM 311900104 1,248,675 25,210 SH SOLE 0 0 25,210
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 28,246,134 707,746 SH SOLE 0 0 707,746
FIDELITY COVINGTON TRUST ENHANCED LARGE 316092113 2,063,303 47,629 SH SOLE 0 0 47,629
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A107 211,685 5,117 SH SOLE 0 0 5,117
FORD MTR CO COM 345370860 134,000 11,111 SH SOLE 0 0 11,111
GE AEROSPACE COM NEW 369604301 335,241 1,073 SH SOLE 0 0 1,073
GE VERNOVA INC COM 36828A101 226,129 238 SH SOLE 0 0 238
HORMEL FOODS CORP COM 440452100 633,692 31,780 SH SOLE 0 0 31,780
INSTALLED BLDG PRODS INC COM 45780R101 809,782 4,220 SH SOLE 0 0 4,220
INTERNATIONAL BUSINESS MACHS COM 459200101 1,498,197 6,812 SH SOLE 0 0 6,812
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 336,832 1,106 SH SOLE 0 0 1,106
INVESCO QQQ TR UNIT SER 1 46090E103 4,631,958 6,261 SH SOLE 0 0 6,261
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 4,041,589 19,429 SH SOLE 0 0 19,429
ISHARES TR CORE MSCI EAFE 46432F842 358,342 3,699 SH SOLE 0 0 3,699
ISHARES TR CORE S&P500 ETF 464287200 2,362,169 3,084 SH SOLE 0 0 3,084
ISHARES TR CORE S&P SCP ETF 464287804 1,138,079 8,366 SH SOLE 0 0 8,366
ISHARES TR CORE S&P US GWT 464287671 5,333,390 27,527 SH SOLE 0 0 27,527
ISHARES TR CORE S&P US VLU 464287663 3,380,433 30,653 SH SOLE 0 0 30,653
BLACKROCK ETF TRUST ISHARES INTL DIV 09290C848 2,114,493 69,970 SH SOLE 0 0 69,970
ISHARES TR EAFE GRWTH ETF 464288885 346,788 2,894 SH SOLE 0 0 2,894
ISHARES TR MSCI USA QLT FCT 46432F339 351,777 1,583 SH SOLE 0 0 1,583
ISHARES TR RUS 1000 ETF 464287622 445,084 1,070 SH SOLE 0 0 1,070
ISHARES TR RUS 1000 GRW ETF 464287614 2,880,487 22,996 SH SOLE 0 0 22,996
ISHARES TR RUS 1000 VAL ETF 464287598 2,672,068 10,778 SH SOLE 0 0 10,778
ISHARES TR S&P 500 GRWT ETF 464287309 1,453,186 10,215 SH SOLE 0 0 10,215
ISHARES TR S&P 500 VAL ETF 464287408 832,309 3,646 SH SOLE 0 0 3,646
ISHARES TR S&P SML 600 GWT 464287887 2,649,170 16,523 SH SOLE 0 0 16,523
ISHARES TR SP SMCP600VL ETF 464287879 2,207,941 17,236 SH SOLE 0 0 17,236
JPMORGAN CHASE & CO COM 46625H100 389,978 1,179 SH SOLE 0 0 1,179
KEYCORP COM 493267108 359,079 17,891 SH SOLE 0 0 17,891
LOCKHEED MARTIN CORP COM 539830109 224,763 441 SH SOLE 0 0 441
MARVELL TECHNOLOGY INC COM 573874104 289,968 1,097 SH SOLE 0 0 1,097
MCKESSON CORP COM 58155Q103 403,423 472 SH SOLE 0 0 472
MICROSOFT CORP COM 594918104 1,331,763 2,597 SH SOLE 0 0 2,597
NVIDIA CORPORATION COM 67066G104 2,656,769 11,633 SH SOLE 0 0 11,633
ONEMAIN HLDGS INC COM 68268W103 360,575 6,510 SH SOLE 0 0 6,510
OSHKOSH CORP COM 688239201 272,382 2,114 SH SOLE 0 0 2,114
REGIONS FINANCIAL CORP NEW COM 7591EP100 300,414 11,176 SH SOLE 0 0 11,176
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 51,717,570 1,723,919 SH SOLE 0 0 1,723,919
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 653,065 4,329 SH SOLE 0 0 4,329
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,470,519 4,551 SH SOLE 0 0 4,551
TESLA INC COM 88160R101 1,029,148 2,901 SH SOLE 0 0 2,901
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 639,280 4,408 SH SOLE 0 0 4,408
TRANE TECHNOLOGIES PLC SHS G8994E103 346,217 766 SH SOLE 0 0 766
UNITED PARCEL SVCS INC CL B 911312106 374,102 4,004 SH SOLE 0 0 4,004
UNITEDHEALTH GROUP INC COM 91324P102 378,696 1,032 SH SOLE 0 0 1,032
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 886,456 12,554 SH SOLE 0 0 12,554
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 268,326 4,524 SH SOLE 0 0 4,524
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 479,090 5,317 SH SOLE 0 0 5,317
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 15,943,372 203,307 SH SOLE 0 0 203,307
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 493,713 1,319 SH SOLE 0 0 1,319
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 344,005 1,592 SH SOLE 0 0 1,592
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,299,618 3,281 SH SOLE 0 0 3,281
WELLS FARGO & CO COM 949746101 503,780 6,293 SH SOLE 0 0 6,293
WEST BANCORPORATION INC CAP STK 95123P106 335,333 11,762 SH SOLE 0 0 11,762
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 587,481 13,568 SH SOLE 0 0 13,568
ISHARES TR NATIONAL MUN ETF 464288414 229,497 2,270 SH SOLE 0 0 2,270