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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   887,474 6,468 SH   SOLE   0 0 6,468
ABBVIE INC COM 00287Y109   1,053,500 6,001 SH   SOLE   0 0 6,001
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   558,733 1,601 SH   SOLE   0 0 1,601
ADOBE INC COM 00724F101   371,026 899 SH   SOLE   0 0 899
ADVANCED MICRO DEVICES INC COM 007903107   481,774 4,150 SH   SOLE   0 0 4,150
ALPHABET INC CAP STK CL A 02079K305   1,567,235 8,263 SH   SOLE   0 0 8,263
ALPHABET INC CAP STK CL C 02079K107   261,236 1,367 SH   SOLE   0 0 1,367
ALPS ETF TR INTL SEC DV DOG 00162Q718   10,041,369 348,190 SH   SOLE   0 0 348,190
ALTRIA GROUP INC COM 02209S103   1,370,418 26,683 SH   SOLE   0 0 26,683
AMAZON COM INC COM 023135106   1,957,662 8,990 SH   SOLE   0 0 8,990
AMERICAN CENTY ETF TR US SML CP VALU 025072877   10,922,599 112,199 SH   SOLE   0 0 112,199
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   3,855,427 60,307 SH   SOLE   0 0 60,307
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   1,233,782 21,379 SH   SOLE   0 0 21,379
AMERICAN EXPRESS CO COM 025816109   539,842 1,797 SH   SOLE   0 0 1,797
AMGEN INC COM 031162100   1,245,288 4,662 SH   SOLE   0 0 4,662
APPLE INC COM 037833100   3,551,719 15,225 SH   SOLE   0 0 15,225
AT&T INC COM 00206R102   276,270 12,673 SH   SOLE   0 0 12,673
AUTOMATIC DATA PROCESSING IN COM 053015103   1,065,519 3,653 SH   SOLE   0 0 3,653
BANK AMERICA CORP COM 060505104   1,149,673 25,113 SH   SOLE   0 0 25,113
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,015,268 2,256 SH   SOLE   0 0 2,256
BLACKROCK INC COM 09290D101   1,840,061 1,910 SH   SOLE   0 0 1,910
BOOKING HOLDINGS INC COM 09857L108   751,931 157 SH   SOLE   0 0 157
BRISTOL-MYERS SQUIBB CO COM 110122108   239,202 4,291 SH   SOLE   0 0 4,291
BROADCOM INC COM 11135F101   5,638,916 25,095 SH   SOLE   0 0 25,095
BUILDERS FIRSTSOURCE INC COM 12008R107   225,051 1,459 SH   SOLE   0 0 1,459
CATERPILLAR INC COM 149123101   235,204 633 SH   SOLE   0 0 633
CHEVRON CORP NEW COM 166764100   2,094,827 13,351 SH   SOLE   0 0 13,351
CHIPOTLE MEXICAN GRILL INC COM 169656105   268,090 4,750 SH   SOLE   0 0 4,750
CISCO SYS INC COM 17275R102   1,442,231 24,309 SH   SOLE   0 0 24,309
COCA COLA CO COM 191216100   1,974,124 31,820 SH   SOLE   0 0 31,820
CONOCOPHILLIPS COM 20825C104   887,599 8,463 SH   SOLE   0 0 8,463
COSTCO WHSL CORP NEW COM 22160K105   1,146,525 1,250 SH   SOLE   0 0 1,250
CUMMINS INC COM 231021106   372,230 1,022 SH   SOLE   0 0 1,022
DEERE & CO COM 244199105   628,088 1,453 SH   SOLE   0 0 1,453
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   701,505 26,724 SH   SOLE   0 0 26,724
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   3,733,444 145,610 SH   SOLE   0 0 145,610
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   726,509 15,266 SH   SOLE   0 0 15,266
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   2,259,828 89,854 SH   SOLE   0 0 89,854
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   329,386 5,188 SH   SOLE   0 0 5,188
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   3,025,575 89,833 SH   SOLE   0 0 89,833
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   4,128,332 88,288 SH   SOLE   0 0 88,288
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,187,931 48,329 SH   SOLE   0 0 48,329
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   212,737 2,360 SH   SOLE   0 0 2,360
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532   3,446,336 159,405 SH   SOLE   0 0 159,405
ELI LILLY & CO COM 532457108   847,678 1,138 SH   SOLE   0 0 1,138
EOG RES INC COM 26875P101   1,217,520 8,968 SH   SOLE   0 0 8,968
EVERUS CONSTR GROUP COM 300426103   471,581 6,801 SH   SOLE   0 0 6,801
EXXON MOBIL CORP COM 30231G102   1,411,754 12,867 SH   SOLE   0 0 12,867
FASTENAL CO COM 311900104   722,575 9,799 SH   SOLE   0 0 9,799
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   6,440,274 127,253 SH   SOLE   0 0 127,253
GLOBAL X FDS S&P 500 COVERED 37954Y475   384,170 9,160 SH   SOLE   0 0 9,160
HOME DEPOT INC COM 437076102   2,541,854 6,471 SH   SOLE   0 0 6,471
ILLINOIS TOOL WKS INC COM 452308109   789,397 3,121 SH   SOLE   0 0 3,121
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107   327,108 1,791 SH   SOLE   0 0 1,791
INTERNATIONAL BUSINESS MACHS COM 459200101   1,940,165 8,910 SH   SOLE   0 0 8,910
INTUIT COM 461202103   342,093 548 SH   SOLE   0 0 548
INTUITIVE SURGICAL INC COM NEW 46120E602   553,969 1,028 SH   SOLE   0 0 1,028
ISHARES INC CORE MSCI EMKT 46434G103   2,866,233 55,785 SH   SOLE   0 0 55,785
ISHARES INC MSCI EMRG CHN 46434G764   595,683 10,778 SH   SOLE   0 0 10,778
ISHARES TR S&P 500 GRWT ETF 464287309   301,691 3,001 SH   SOLE   0 0 3,001
ISHARES TR RUS 1000 GRW ETF 464287614   2,627,164 6,646 SH   SOLE   0 0 6,646
ISHARES TR CORE US AGGBD ET 464287226   237,782 2,480 SH   SOLE   0 0 2,480
ISHARES TR CORE MSCI INTL 46435G326   3,138,090 49,025 SH   SOLE   0 0 49,025
ISHARES TR RUS MD CP GR ETF 464287481   5,257,301 41,015 SH   SOLE   0 0 41,015
ISHARES TR EAFE VALUE ETF 464288877   5,822,090 111,406 SH   SOLE   0 0 111,406
ISHARES TR CORE S&P TTL STK 464287150   21,032,512 164,278 SH   SOLE   0 0 164,278
ISHARES TR RUS MDCP VAL ETF 464287473   4,452,266 34,151 SH   SOLE   0 0 34,151
ISHARES TR RUS 2000 GRW ETF 464287648   1,276,388 4,452 SH   SOLE   0 0 4,452
ISHARES TR CORE MSCI TOTAL 46432F834   645,663 9,868 SH   SOLE   0 0 9,868
ISHARES TR NATIONAL MUN ETF 464288414   2,888,908 27,422 SH   SOLE   0 0 27,422
ISHARES TR SHRT NAT MUN ETF 464288158   873,464 8,295 SH   SOLE   0 0 8,295
ISHARES TR INTL SEL DIV ETF 464288448   2,298,881 84,270 SH   SOLE   0 0 84,270
ISHARES TR RUS 2000 VAL ETF 464287630   2,929,713 17,951 SH   SOLE   0 0 17,951
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   422,119 9,257 SH   SOLE   0 0 9,257
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   515,809 10,970 SH   SOLE   0 0 10,970
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   8,002,218 139,169 SH   SOLE   0 0 139,169
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   2,752,518 55,277 SH   SOLE   0 0 55,277
JOHNSON & JOHNSON COM 478160104   887,861 6,134 SH   SOLE   0 0 6,134
JPMORGAN CHASE & CO. COM 46625H100   2,820,777 11,398 SH   SOLE   0 0 11,398
KIMBERLY-CLARK CORP COM 494368103   748,948 5,936 SH   SOLE   0 0 5,936
KNIFE RIVER CORP COMMON STOCK 498894104   674,814 6,734 SH   SOLE   0 0 6,734
LAM RESEARCH CORP COM NEW 512807306   334,237 4,453 SH   SOLE   0 0 4,453
LINDE PLC SHS G54950103   486,978 1,140 SH   SOLE   0 0 1,140
LOCKHEED MARTIN CORP COM 539830109   1,265,714 2,613 SH   SOLE   0 0 2,613
MASTERCARD INCORPORATED CL A 57636Q104   422,221 829 SH   SOLE   0 0 829
MDU RES GROUP INC COM 552690109   494,127 27,240 SH   SOLE   0 0 27,240
MERCK & CO INC COM 58933Y105   1,787,608 17,939 SH   SOLE   0 0 17,939
META PLATFORMS INC CL A 30303M102   1,768,407 2,976 SH   SOLE   0 0 2,976
MICROSOFT CORP COM 594918104   2,724,553 6,555 SH   SOLE   0 0 6,555
NETFLIX INC COM 64110L106   883,074 1,066 SH   SOLE   0 0 1,066
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827   5,750,810 240,318 SH   SOLE   0 0 240,318
NVIDIA CORPORATION COM 67066G104   4,575,695 34,727 SH   SOLE   0 0 34,727
PEPSICO INC COM 713448108   1,644,633 11,346 SH   SOLE   0 0 11,346
PFIZER INC COM 717081103   1,524,227 57,714 SH   SOLE   0 0 57,714
PIMCO ETF TR INTER MUN BD ACT 72201R866   1,372,761 26,723 SH   SOLE   0 0 26,723
PROCTER AND GAMBLE CO COM 742718109   972,410 6,087 SH   SOLE   0 0 6,087
SALESFORCE INC COM 79466L302   658,121 2,034 SH   SOLE   0 0 2,034
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   9,558,451 425,198 SH   SOLE   0 0 425,198
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   32,076,025 1,165,977 SH   SOLE   0 0 1,165,977
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   29,549,610 1,073,750 SH   SOLE   0 0 1,073,750
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   15,153,073 821,305 SH   SOLE   0 0 821,305
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   42,696,781 1,630,893 SH   SOLE   0 0 1,630,893
SERVICENOW INC COM 81762P102   841,533 816 SH   SOLE   0 0 816
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   5,101,880 184,650 SH   SOLE   0 0 184,650
SPDR SER TR NUVEEN BLOOMBERG 78464A284   10,799,956 428,570 SH   SOLE   0 0 428,570
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,004,914 58,943 SH   SOLE   0 0 58,943
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,362,595 15,466 SH   SOLE   0 0 15,466
SPDR SER TR BLOOMBERG INVT 78468R200   958,037 31,095 SH   SOLE   0 0 31,095
SPDR SER TR S&P 600 SMCP VAL 78464A300   2,080,119 23,951 SH   SOLE   0 0 23,951
SPDR SER TR S&P 600 SMCP GRW 78464A201   3,679,691 40,485 SH   SOLE   0 0 40,485
SPDR SER TR S&P 400 MDCP VAL 78464A839   1,807,394 22,275 SH   SOLE   0 0 22,275
SPDR SER TR PORTFOLIO LN TSR 78464A664   5,119,008 200,431 SH   SOLE   0 0 200,431
SYNOPSYS INC COM 871607107   279,015 569 SH   SOLE   0 0 569
TESLA INC COM 88160R101   1,672,243 4,219 SH   SOLE   0 0 4,219
TEXAS INSTRS INC COM 882508104   2,160,229 11,164 SH   SOLE   0 0 11,164
THERMO FISHER SCIENTIFIC INC COM 883556102   501,796 901 SH   SOLE   0 0 901
UNITED PARCEL SERVICE INC CL B 911312106   607,132 4,825 SH   SOLE   0 0 4,825
UNITEDHEALTH GROUP INC COM 91324P102   978,235 1,799 SH   SOLE   0 0 1,799
US BANCORP DEL COM NEW 902973304   1,343,541 27,386 SH   SOLE   0 0 27,386
VALERO ENERGY CORP COM 91913Y100   703,393 5,247 SH   SOLE   0 0 5,247
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   3,328,558 64,821 SH   SOLE   0 0 64,821
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   317,108 1,292 SH   SOLE   0 0 1,292
VANGUARD BD INDEX FDS INTERMED TERM 921937819   247,290 3,349 SH   SOLE   0 0 3,349
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,675,464 6,486 SH   SOLE   0 0 6,486
VANGUARD INDEX FDS SM CP VAL ETF 922908611   256,704 1,285 SH   SOLE   0 0 1,285
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,560,820 21,906 SH   SOLE   0 0 21,906
VANGUARD INDEX FDS SML CP GRW ETF 922908595   540,297 1,911 SH   SOLE   0 0 1,911
VANGUARD INDEX FDS GROWTH ETF 922908736   810,487 2,007 SH   SOLE   0 0 2,007
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,402,142 125,602 SH   SOLE   0 0 125,602
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,540,071 52,351 SH   SOLE   0 0 52,351
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   3,628,081 63,130 SH   SOLE   0 0 63,130
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,704,814 24,105 SH   SOLE   0 0 24,105
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,205,457 37,810 SH   SOLE   0 0 37,810
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   6,834,879 86,550 SH   SOLE   0 0 86,550
VANGUARD WORLD FD INF TECH ETF 92204A702   312,863 513 SH   SOLE   0 0 513
VERIZON COMMUNICATIONS INC COM 92343V104   1,900,887 49,657 SH   SOLE   0 0 49,657
VISA INC COM CL A 92826C839   1,214,754 3,930 SH   SOLE   0 0 3,930
WALMART INC COM 931142103   203,605 2,243 SH   SOLE   0 0 2,243
WELLS FARGO CO NEW COM 949746101   336,284 4,724 SH   SOLE   0 0 4,724
WISDOMTREE TR US MIDCAP DIVID 97717W505   2,859,686 55,842 SH   SOLE   0 0 55,842