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
Estimated average burden
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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   426,720 4,023 SH   SOLE 0 0 0 4,023
ABBOTT LABS COM 002824100   560,571 4,932 SH   SOLE 0 0 0 4,932
ABBVIE INC COM 00287Y109   2,101,252 11,539 SH   SOLE 0 0 0 11,539
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   689,754 1,990 SH   SOLE 0 0 0 1,990
ADOBE INC COM 00724F101   279,044 553 SH   SOLE 0 0 0 553
AFLAC INC COM 001055102   1,826,242 21,270 SH   SOLE 0 0 0 21,270
AKAMAI TECHNOLOGIES INC COM 00971T101   437,215 4,020 SH   SOLE 0 0 0 4,020
ALPHABET INC CAP STK CL A 02079K305   1,670,040 11,065 SH   SOLE 0 0 0 11,065
ALPHABET INC CAP STK CL C 02079K107   529,865 3,480 SH   SOLE 0 0 0 3,480
AMAZON COM INC COM 023135106   427,320 2,369 SH   SOLE 0 0 0 2,369
AMCOR PLC ORD G0250X107   108,414 11,400 SH   SOLE 0 0 0 11,400
AMERICAN EXPRESS CO COM 025816109   366,126 1,608 SH   SOLE 0 0 0 1,608
AMERICAN TOWER CORP NEW COM 03027X100   741,950 3,755 SH   SOLE 0 0 0 3,755
AMERICAN WTR WKS CO INC NEW COM 030420103   591,130 4,837 SH   SOLE 0 0 0 4,837
AMGEN INC COM 031162100   1,658,723 5,834 SH   SOLE 0 0 0 5,834
APPLE INC COM 037833100   2,341,300 13,653 SH   SOLE 0 0 0 13,653
APPLIED MATLS INC COM 038222105   460,924 2,235 SH   SOLE 0 0 0 2,235
AT&T INC COM 00206R102   561,686 31,914 SH   SOLE 0 0 0 31,914
BANK AMERICA CORP COM 060505104   586,547 15,468 SH   SOLE 0 0 0 15,468
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   710,258 1,689 SH   SOLE 0 0 0 1,689
BLACKROCK INC COM 09247X101   859,545 1,031 SH   SOLE 0 0 0 1,031
BRISTOL-MYERS SQUIBB CO COM 110122108   1,109,763 20,464 SH   SOLE 0 0 0 20,464
BROADCOM INC COM 11135F101   1,497,713 1,130 SH   SOLE 0 0 0 1,130
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   614,580 3,000 SH   SOLE 0 0 0 3,000
BUNGE GLOBAL SA COM SHS H11356104   506,449 4,940 SH   SOLE 0 0 0 4,940
CARDINAL HEALTH INC COM 14149Y108   1,692,488 15,125 SH   SOLE 0 0 0 15,125
CHENIERE ENERGY INC COM NEW 16411R208   429,005 2,660 SH   SOLE 0 0 0 2,660
CHEVRON CORP NEW COM 166764100   1,719,208 10,899 SH   SOLE 0 0 0 10,899
CISCO SYS INC COM 17275R102   2,987,613 59,860 SH   SOLE 0 0 0 59,860
COMCAST CORP NEW CL A 20030N101   660,004 15,225 SH   SOLE 0 0 0 15,225
CONOCOPHILLIPS COM 20825C104   473,736 3,722 SH   SOLE 0 0 0 3,722
CONSTELLATION BRANDS INC CL A 21036P108   200,015 736 SH   SOLE 0 0 0 736
COSTCO WHSL CORP NEW COM 22160K105   2,029,385 2,770 SH   SOLE 0 0 0 2,770
CVS HEALTH CORP COM 126650100   739,614 9,273 SH   SOLE 0 0 0 9,273
CYBERARK SOFTWARE LTD SHS M2682V108   562,339 2,117 SH   SOLE 0 0 0 2,117
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   5,671,387 187,670 SH   SOLE 0 0 0 187,670
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,696,895 27,220 SH   SOLE 0 0 0 27,220
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   521,712 9,585 SH   SOLE 0 0 0 9,585
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   1,801,753 42,950 SH   SOLE 0 0 0 42,950
DISNEY WALT CO COM 254687106   675,427 5,520 SH   SOLE 0 0 0 5,520
EATON CORP PLC SHS G29183103   239,826 767 SH   SOLE 0 0 0 767
ELI LILLY & CO COM 532457108   2,275,533 2,925 SH   SOLE 0 0 0 2,925
EMERSON ELEC CO COM 291011104   1,946,287 17,160 SH   SOLE 0 0 0 17,160
ENBRIDGE INC COM 29250N105   481,266 13,302 SH   SOLE 0 0 0 13,302
EXXON MOBIL CORP COM 30231G102   2,883,101 24,803 SH   SOLE 0 0 0 24,803
FEDEX CORP COM 31428X106   766,942 2,647 SH   SOLE 0 0 0 2,647
FERRARI N V COM N3167Y103   217,970 500 SH   SOLE 0 0 0 500
FLEXSHARES TR MORNSTAR UPSTR 33939L407   492,347 11,988 SH   SOLE 0 0 0 11,988
FLEXSHARES TR IBOXX 3R TARGT 33939L506   332,500 14,000 SH   SOLE 0 0 0 14,000
GENERAL DYNAMICS CORP COM 369550108   922,047 3,264 SH   SOLE 0 0 0 3,264
GENERAL ELECTRIC CO COM NEW 369604301   570,297 3,249 SH   SOLE 0 0 0 3,249
GENERAL MLS INC COM 370334104   668,703 9,557 SH   SOLE 0 0 0 9,557
GENERAL MTRS CO COM 37045V100   329,695 7,270 SH   SOLE 0 0 0 7,270
GENUINE PARTS CO COM 372460105   540,086 3,486 SH   SOLE 0 0 0 3,486
GILEAD SCIENCES INC COM 375558103   345,520 4,717 SH   SOLE 0 0 0 4,717
HANESBRANDS INC COM 410345102   127,890 22,050 SH   SOLE 0 0 0 22,050
HOME DEPOT INC COM 437076102   455,717 1,188 SH   SOLE 0 0 0 1,188
HONEYWELL INTL INC COM 438516106   269,699 1,314 SH   SOLE 0 0 0 1,314
HUNTINGTON INGALLS INDS INC COM 446413106   637,445 2,187 SH   SOLE 0 0 0 2,187
ICON PLC SHS G4705A100   252,298 751 SH   SOLE 0 0 0 751
IDEXX LABS INC COM 45168D104   215,972 400 SH   SOLE 0 0 0 400
ILLINOIS TOOL WKS INC COM 452308109   202,052 753 SH   SOLE 0 0 0 753
INTEL CORP COM 458140100   1,524,704 34,519 SH   SOLE 0 0 0 34,519
INTERNATIONAL BUSINESS MACHS COM 459200101   2,418,508 12,665 SH   SOLE 0 0 0 12,665
INVESCO QQQ TR UNIT SER 1 46090E103   266,406 600 SH   SOLE 0 0 0 600
ISHARES GOLD TR ISHARES NEW 464285204   8,531,895 203,092 SH   SOLE 0 0 0 203,092
ISHARES TR U.S. MED DVC ETF 464288810   298,809 5,100 SH   SOLE 0 0 0 5,100
ISHARES TR SHORT TREAS BD 464288679   917,703 8,302 SH   SOLE 0 0 0 8,302
ISHARES TR ISHS 1-5YR INVS 464288646   2,527,745 49,293 SH   SOLE 0 0 0 49,293
ISHARES TR NATIONAL MUN ETF 464288414   1,119,040 10,400 SH   SOLE 0 0 0 10,400
ISHARES TR ISHS 5-10YR INVT 464288638   2,694,294 52,215 SH   SOLE 0 0 0 52,215
ISHARES TR CORE US AGGBD ET 464287226   1,124,253 11,479 SH   SOLE 0 0 0 11,479
ISHARES TR CORE S&P MCP ETF 464287507   3,449,121 56,785 SH   SOLE 0 0 0 56,785
ISHARES TR CORE S&P SCP ETF 464287804   1,521,971 13,771 SH   SOLE 0 0 0 13,771
ISHARES TR CORE S&P500 ETF 464287200   1,571,933 2,990 SH   SOLE 0 0 0 2,990
ISHARES TR RUSSELL 2000 ETF 464287655   574,540 2,732 SH   SOLE 0 0 0 2,732
ISHARES TR 7-10 YR TRSY BD 464287440   4,969,066 52,494 SH   SOLE 0 0 0 52,494
ISHARES TR MSCI EAFE ETF 464287465   399,300 5,000 SH   SOLE 0 0 0 5,000
ISHARES TR CORE MSCI EAFE 46432F842   1,241,997 16,734 SH   SOLE 0 0 0 16,734
ISHARES TR CORE DIV GRWTH 46434V621   1,974,214 34,003 SH   SOLE 0 0 0 34,003
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   6,407,402 127,005 SH   SOLE 0 0 0 127,005
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   756,026 14,900 SH   SOLE 0 0 0 14,900
JOHNSON & JOHNSON COM 478160104   1,372,456 8,676 SH   SOLE 0 0 0 8,676
JPMORGAN CHASE & CO COM 46625H100   3,445,961 17,204 SH   SOLE 0 0 0 17,204
KNIFE RIVER CORP COMMON STOCK 498894104   414,967 5,118 SH   SOLE 0 0 0 5,118
L3HARRIS TECHNOLOGIES INC COM 502431109   402,759 1,890 SH   SOLE 0 0 0 1,890
LOCKHEED MARTIN CORP COM 539830109   1,064,851 2,341 SH   SOLE 0 0 0 2,341
LOWES COS INC COM 548661107   747,887 2,936 SH   SOLE 0 0 0 2,936
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   1,201,279 11,745 SH   SOLE 0 0 0 11,745
MASTERCARD INCORPORATED CL A 57636Q104   840,340 1,745 SH   SOLE 0 0 0 1,745
MCDONALDS CORP COM 580135101   993,028 3,522 SH   SOLE 0 0 0 3,522
MCKESSON CORP COM 58155Q103   716,158 1,334 SH   SOLE 0 0 0 1,334
MDU RES GROUP INC COM 552690109   516,247 20,486 SH   SOLE 0 0 0 20,486
MERCK & CO INC COM 58933Y105   1,372,045 10,398 SH   SOLE 0 0 0 10,398
MICROSOFT CORP COM 594918104   5,012,628 11,914 SH   SOLE 0 0 0 11,914
MOLSON COORS BEVERAGE CO CL B 60871R209   1,475,801 21,945 SH   SOLE 0 0 0 21,945
NETAPP INC COM 64110D104   718,625 6,846 SH   SOLE 0 0 0 6,846
NEWELL BRANDS INC COM 651229106   123,060 15,325 SH   SOLE 0 0 0 15,325
NIKE INC CL B 654106103   201,305 2,142 SH   SOLE 0 0 0 2,142
NORTHROP GRUMMAN CORP COM 666807102   311,129 650 SH   SOLE 0 0 0 650
NOVARTIS AG SPONSORED ADR 66987V109   514,507 5,319 SH   SOLE 0 0 0 5,319
NOVO-NORDISK A S ADR 670100205   1,755,998 13,676 SH   SOLE 0 0 0 13,676
NUCOR CORP COM 670346105   1,282,590 6,481 SH   SOLE 0 0 0 6,481
ORACLE CORP COM 68389X105   412,880 3,287 SH   SOLE 0 0 0 3,287
PACKAGING CORP AMER COM 695156109   383,545 2,021 SH   SOLE 0 0 0 2,021
PAYCHEX INC COM 704326107   704,381 5,736 SH   SOLE 0 0 0 5,736
PEPSICO INC COM 713448108   1,019,433 5,825 SH   SOLE 0 0 0 5,825
PFIZER INC COM 717081103   542,735 19,558 SH   SOLE 0 0 0 19,558
PPL CORP COM 69351T106   430,734 15,646 SH   SOLE 0 0 0 15,646
PROCTER AND GAMBLE CO COM 742718109   819,849 5,053 SH   SOLE 0 0 0 5,053
PRUDENTIAL FINL INC COM 744320102   662,958 5,647 SH   SOLE 0 0 0 5,647
PUBLIC STORAGE COM 74460D109   202,462 698 SH   SOLE 0 0 0 698
QUALCOMM INC COM 747525103   589,333 3,481 SH   SOLE 0 0 0 3,481
RTX CORPORATION COM 75513E101   358,228 3,673 SH   SOLE 0 0 0 3,673
SALESFORCE INC COM 79466L302   278,592 925 SH   SOLE 0 0 0 925
SCHLUMBERGER LTD COM STK 806857108   206,963 3,776 SH   SOLE 0 0 0 3,776
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   217,068 5,563 SH   SOLE 0 0 0 5,563
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   247,391 3,256 SH   SOLE 0 0 0 3,256
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,770,042 98,943 SH   SOLE 0 0 0 98,943
SCHWAB STRATEGIC TR US REIT ETF 808524847   742,107 36,557 SH   SOLE 0 0 0 36,557
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   769,341 27,714 SH   SOLE 0 0 0 27,714
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   372,386 4,002 SH   SOLE 0 0 0 4,002
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,354,784 14,350 SH   SOLE 0 0 0 14,350
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   804,130 3,861 SH   SOLE 0 0 0 3,861
SMUCKER J M CO COM NEW 832696405   521,102 4,140 SH   SOLE 0 0 0 4,140
SPDR GOLD TR GOLD SHS 78463V107   251,184 1,221 SH   SOLE 0 0 0 1,221
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   270,413 7,545 SH   SOLE 0 0 0 7,545
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,010,791 5,756 SH   SOLE 0 0 0 5,756
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,090,544 1,960 SH   SOLE 0 0 0 1,960
SPDR SER TR PORTFOLIO AGRGTE 78464A649   635,792 25,150 SH   SOLE 0 0 0 25,150
SPDR SER TR PORTFOLIO INTRMD 78464A375   605,092 18,510 SH   SOLE 0 0 0 18,510
SPDR SER TR PRTFLO S&P500 VL 78464A508   208,667 4,165 SH   SOLE 0 0 0 4,165
SPROTT PHYSICAL GOLD TR UNIT 85207H104   200,905 11,613 SH   SOLE 0 0 0 11,613
STARBUCKS CORP COM 855244109   409,244 4,478 SH   SOLE 0 0 0 4,478
STRYKER CORPORATION COM 863667101   322,441 901 SH   SOLE 0 0 0 901
SYNOPSYS INC COM 871607107   500,063 875 SH   SOLE 0 0 0 875
T-MOBILE US INC COM 872590104   244,667 1,499 SH   SOLE 0 0 0 1,499
TARGET CORP COM 87612E106   497,074 2,805 SH   SOLE 0 0 0 2,805
THERMO FISHER SCIENTIFIC INC COM 883556102   232,484 400 SH   SOLE 0 0 0 400
TJX COS INC NEW COM 872540109   492,394 4,855 SH   SOLE 0 0 0 4,855
TRADEWEB MKTS INC CL A 892672106   236,466 2,270 SH   SOLE 0 0 0 2,270
TRAVELERS COMPANIES INC COM 89417E109   937,130 4,072 SH   SOLE 0 0 0 4,072
TYSON FOODS INC CL A 902494103   475,772 8,101 SH   SOLE 0 0 0 8,101
UNION PAC CORP COM 907818108   520,142 2,115 SH   SOLE 0 0 0 2,115
UNITED PARCEL SERVICE INC CL B 911312106   250,144 1,683 SH   SOLE 0 0 0 1,683
UNITEDHEALTH GROUP INC COM 91324P102   288,410 583 SH   SOLE 0 0 0 583
US BANCORP DEL COM NEW 902973304   455,493 10,190 SH   SOLE 0 0 0 10,190
VALERO ENERGY CORP COM 91913Y100   571,299 3,347 SH   SOLE 0 0 0 3,347
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   5,446,790 71,042 SH   SOLE 0 0 0 71,042
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,825,103 30,948 SH   SOLE 0 0 0 30,948
VANGUARD INDEX FDS VALUE ETF 922908744   1,874,519 11,510 SH   SOLE 0 0 0 11,510
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,080,250 16,053 SH   SOLE 0 0 0 16,053
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   315,133 3,644 SH   SOLE 0 0 0 3,644
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,159,414 4,461 SH   SOLE 0 0 0 4,461
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,202,435 28,787 SH   SOLE 0 0 0 28,787
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   693,243 11,820 SH   SOLE 0 0 0 11,820
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   446,186 5,542 SH   SOLE 0 0 0 5,542
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,049,977 17,933 SH   SOLE 0 0 0 17,933
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,142,883 40,653 SH   SOLE 0 0 0 40,653
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,880,828 21,252 SH   SOLE 0 0 0 21,252
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   555,583 11,074 SH   SOLE 0 0 0 11,074
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,952,156 24,400 SH   SOLE 0 0 0 24,400
VERIZON COMMUNICATIONS INC COM 92343V104   1,225,652 29,210 SH   SOLE 0 0 0 29,210
VERTEX PHARMACEUTICALS INC COM 92532F100   348,202 833 SH   SOLE 0 0 0 833
VIATRIS INC COM 92556V106   266,847 22,349 SH   SOLE 0 0 0 22,349
VIRTU FINL INC CL A 928254101   395,646 19,281 SH   SOLE 0 0 0 19,281
VISA INC COM CL A 92826C839   281,034 1,007 SH   SOLE 0 0 0 1,007
WALGREENS BOOTS ALLIANCE INC COM 931427108   479,631 22,113 SH   SOLE 0 0 0 22,113
WALMART INC COM 931142103   273,834 4,551 SH   SOLE 0 0 0 4,551
WASTE MGMT INC DEL COM 94106L109   618,561 2,902 SH   SOLE 0 0 0 2,902
XYLEM INC COM 98419M100   605,619 4,686 SH   SOLE 0 0 0 4,686
ZOETIS INC CL A 98978V103   550,779 3,255 SH   SOLE 0 0 0 3,255