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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   706,602 5,169 SH   SOLE 0 0 0 5,169
ABBOTT LABS COM 002824100   532,883 4,674 SH   SOLE 0 0 0 4,674
ABBVIE INC COM 00287Y109   2,250,087 11,394 SH   SOLE 0 0 0 11,394
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   782,958 2,215 SH   SOLE 0 0 0 2,215
ADOBE INC COM 00724F101   309,632 598 SH   SOLE 0 0 0 598
AFLAC INC COM 001055102   2,465,749 22,055 SH   SOLE 0 0 0 22,055
AKAMAI TECHNOLOGIES INC COM 00971T101   575,718 5,703 SH   SOLE 0 0 0 5,703
ALPHABET INC CAP STK CL A 02079K305   1,951,225 11,765 SH   SOLE 0 0 0 11,765
ALPHABET INC CAP STK CL C 02079K107   660,233 3,949 SH   SOLE 0 0 0 3,949
ALTRIA GROUP INC COM 02209S103   216,308 4,238 SH   SOLE 0 0 0 4,238
AMAZON COM INC COM 023135106   498,433 2,675 SH   SOLE 0 0 0 2,675
AMCOR PLC ORD G0250X107   140,492 12,400 SH   SOLE 0 0 0 12,400
AMERICAN EXPRESS CO COM 025816109   424,699 1,566 SH   SOLE 0 0 0 1,566
AMERICAN TOWER CORP NEW COM 03027X100   1,092,334 4,697 SH   SOLE 0 0 0 4,697
AMERICAN WTR WKS CO INC NEW COM 030420103   707,363 4,837 SH   SOLE 0 0 0 4,837
AMGEN INC COM 031162100   1,956,781 6,073 SH   SOLE 0 0 0 6,073
APPLE INC COM 037833100   3,159,127 13,558 SH   SOLE 0 0 0 13,558
APPLIED MATLS INC COM 038222105   498,861 2,469 SH   SOLE 0 0 0 2,469
AT&T INC COM 00206R102   708,268 32,194 SH   SOLE 0 0 0 32,194
BANK AMERICA CORP COM 060505104   645,236 16,261 SH   SOLE 0 0 0 16,261
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   909,934 1,977 SH   SOLE 0 0 0 1,977
BLACKROCK INC COM 09247X101   948,560 999 SH   SOLE 0 0 0 999
BRISTOL-MYERS SQUIBB CO COM 110122108   1,067,034 20,623 SH   SOLE 0 0 0 20,623
BROADCOM INC COM 11135F101   1,900,950 11,020 SH   SOLE 0 0 0 11,020
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   623,587 2,900 SH   SOLE 0 0 0 2,900
BUNGE GLOBAL SA COM SHS H11356104   477,402 4,940 SH   SOLE 0 0 0 4,940
CARDINAL HEALTH INC COM 14149Y108   1,746,769 15,805 SH   SOLE 0 0 0 15,805
CATERPILLAR INC COM 149123101   278,869 713 SH   SOLE 0 0 0 713
CHENIERE ENERGY INC COM NEW 16411R208   478,374 2,660 SH   SOLE 0 0 0 2,660
CHEVRON CORP NEW COM 166764100   1,589,632 10,794 SH   SOLE 0 0 0 10,794
CISCO SYS INC COM 17275R102   3,293,094 61,877 SH   SOLE 0 0 0 61,877
COCA COLA CO COM 191216100   201,064 2,798 SH   SOLE 0 0 0 2,798
COHERENT CORP COM 19247G107   201,203 2,263 SH   SOLE 0 0 0 2,263
COMCAST CORP NEW CL A 20030N101   648,646 15,529 SH   SOLE 0 0 0 15,529
CONOCOPHILLIPS COM 20825C104   380,692 3,616 SH   SOLE 0 0 0 3,616
COSTCO WHSL CORP NEW COM 22160K105   2,348,391 2,649 SH   SOLE 0 0 0 2,649
CVS HEALTH CORP COM 126650100   642,508 10,218 SH   SOLE 0 0 0 10,218
CYBERARK SOFTWARE LTD SHS M2682V108   616,755 2,115 SH   SOLE 0 0 0 2,115
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   7,049,916 221,835 SH   SOLE 0 0 0 221,835
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   3,155,115 48,645 SH   SOLE 0 0 0 48,645
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   533,214 9,585 SH   SOLE 0 0 0 9,585
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   1,855,011 42,950 SH   SOLE 0 0 0 42,950
DISNEY WALT CO COM 254687106   647,359 6,730 SH   SOLE 0 0 0 6,730
EATON CORP PLC SHS G29183103   326,137 984 SH   SOLE 0 0 0 984
ELI LILLY & CO COM 532457108   2,591,375 2,925 SH   SOLE 0 0 0 2,925
EMERSON ELEC CO COM 291011104   1,928,740 17,635 SH   SOLE 0 0 0 17,635
ENBRIDGE INC COM 29250N105   550,834 13,564 SH   SOLE 0 0 0 13,564
EXXON MOBIL CORP COM 30231G102   3,144,778 26,828 SH   SOLE 0 0 0 26,828
FEDEX CORP COM 31428X106   723,884 2,645 SH   SOLE 0 0 0 2,645
FERRARI N V COM N3167Y103   235,055 500 SH   SOLE 0 0 0 500
FLEXSHARES TR MORNSTAR UPSTR 33939L407   463,568 11,238 SH   SOLE 0 0 0 11,238
FLEXSHARES TR IBOXX 3R TARGT 33939L506   336,700 14,000 SH   SOLE 0 0 0 14,000
GE AEROSPACE COM NEW 369604301   445,803 2,364 SH   SOLE 0 0 0 2,364
GEN DIGITAL INC COM 668771108   203,119 7,405 SH   SOLE 0 0 0 7,405
GENERAL DYNAMICS CORP COM 369550108   1,057,398 3,499 SH   SOLE 0 0 0 3,499
GENERAL MLS INC COM 370334104   804,005 10,887 SH   SOLE 0 0 0 10,887
GENERAL MTRS CO COM 37045V100   347,958 7,760 SH   SOLE 0 0 0 7,760
GENUINE PARTS CO COM 372460105   611,240 4,376 SH   SOLE 0 0 0 4,376
GILEAD SCIENCES INC COM 375558103   423,727 5,054 SH   SOLE 0 0 0 5,054
GOLDMAN SACHS GROUP INC COM 38141G104   221,314 447 SH   SOLE 0 0 0 447
HANESBRANDS INC COM 410345102   159,863 21,750 SH   SOLE 0 0 0 21,750
HOME DEPOT INC COM 437076102   502,448 1,240 SH   SOLE 0 0 0 1,240
HONEYWELL INTL INC COM 438516106   286,293 1,385 SH   SOLE 0 0 0 1,385
HUNTINGTON INGALLS INDS INC COM 446413106   577,935 2,186 SH   SOLE 0 0 0 2,186
ICON PLC SHS G4705A100   215,770 751 SH   SOLE 0 0 0 751
IDEXX LABS INC COM 45168D104   202,088 400 SH   SOLE 0 0 0 400
INTEL CORP COM 458140100   823,892 35,119 SH   SOLE 0 0 0 35,119
INTERNATIONAL BUSINESS MACHS COM 459200101   2,897,474 13,106 SH   SOLE 0 0 0 13,106
INVESCO QQQ TR UNIT SER 1 46090E103   292,842 600 SH   SOLE 0 0 0 600
ISHARES GOLD TR ISHARES NEW 464285204   10,460,210 210,467 SH   SOLE 0 0 0 210,467
ISHARES TR NATIONAL MUN ETF 464288414   1,129,752 10,400 SH   SOLE 0 0 0 10,400
ISHARES TR ISHS 5-10YR INVT 464288638   2,549,820 47,465 SH   SOLE 0 0 0 47,465
ISHARES TR U.S. MED DVC ETF 464288810   284,256 4,800 SH   SOLE 0 0 0 4,800
ISHARES TR SHORT TREAS BD 464288679   973,765 8,802 SH   SOLE 0 0 0 8,802
ISHARES TR ISHS 1-5YR INVS 464288646   2,595,664 49,291 SH   SOLE 0 0 0 49,291
ISHARES TR MSCI EMG MKT ETF 464287234   254,523 5,550 SH   SOLE 0 0 0 5,550
ISHARES TR CORE US AGGBD ET 464287226   1,187,796 11,729 SH   SOLE 0 0 0 11,729
ISHARES TR CORE S&P MCP ETF 464287507   3,606,645 57,873 SH   SOLE 0 0 0 57,873
ISHARES TR CORE S&P SCP ETF 464287804   1,685,861 14,414 SH   SOLE 0 0 0 14,414
ISHARES TR CORE S&P500 ETF 464287200   1,866,590 3,236 SH   SOLE 0 0 0 3,236
ISHARES TR RUSSELL 2000 ETF 464287655   603,471 2,732 SH   SOLE 0 0 0 2,732
ISHARES TR MSCI EAFE ETF 464287465   418,150 5,000 SH   SOLE 0 0 0 5,000
ISHARES TR 7-10 YR TRSY BD 464287440   5,109,430 52,073 SH   SOLE 0 0 0 52,073
ISHARES TR CORE DIV GRWTH 46434V621   3,256,934 51,953 SH   SOLE 0 0 0 51,953
ISHARES TR CORE MSCI EAFE 46432F842   1,306,089 16,734 SH   SOLE 0 0 0 16,734
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   6,309,773 124,355 SH   SOLE 0 0 0 124,355
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   759,006 14,900 SH   SOLE 0 0 0 14,900
JOHNSON & JOHNSON COM 478160104   1,478,149 9,121 SH   SOLE 0 0 0 9,121
JPMORGAN CHASE & CO. COM 46625H100   3,741,922 17,746 SH   SOLE 0 0 0 17,746
KNIFE RIVER CORP COMMON STOCK 498894104   457,319 5,116 SH   SOLE 0 0 0 5,116
L3HARRIS TECHNOLOGIES INC COM 502431109   498,576 2,096 SH   SOLE 0 0 0 2,096
LOCKHEED MARTIN CORP COM 539830109   1,250,958 2,140 SH   SOLE 0 0 0 2,140
LOWES COS INC COM 548661107   887,305 3,276 SH   SOLE 0 0 0 3,276
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   1,217,163 12,692 SH   SOLE 0 0 0 12,692
MASTERCARD INCORPORATED CL A 57636Q104   960,441 1,945 SH   SOLE 0 0 0 1,945
MCDONALDS CORP COM 580135101   1,106,285 3,633 SH   SOLE 0 0 0 3,633
MCKESSON CORP COM 58155Q103   659,556 1,334 SH   SOLE 0 0 0 1,334
MDU RES GROUP INC COM 552690109   561,494 20,485 SH   SOLE 0 0 0 20,485
MEDTRONIC PLC SHS G5960L103   329,600 3,661 SH   SOLE 0 0 0 3,661
MERCK & CO INC COM 58933Y105   1,231,469 10,844 SH   SOLE 0 0 0 10,844
META PLATFORMS INC CL A 30303M102   214,093 374 SH   SOLE 0 0 0 374
MICROSOFT CORP COM 594918104   5,252,876 12,207 SH   SOLE 0 0 0 12,207
MOLSON COORS BEVERAGE CO CL B 60871R209   1,308,292 22,745 SH   SOLE 0 0 0 22,745
NETAPP INC COM 64110D104   973,259 7,880 SH   SOLE 0 0 0 7,880
NEWELL BRANDS INC COM 651229106   117,696 15,325 SH   SOLE 0 0 0 15,325
NEXTERA ENERGY INC COM 65339F101   230,175 2,723 SH   SOLE 0 0 0 2,723
NIKE INC CL B 654106103   203,320 2,300 SH   SOLE 0 0 0 2,300
NORTHROP GRUMMAN CORP COM 666807102   343,246 650 SH   SOLE 0 0 0 650
NOVARTIS AG SPONSORED ADR 66987V109   615,242 5,349 SH   SOLE 0 0 0 5,349
NOVO-NORDISK A S ADR 670100205   1,539,099 12,926 SH   SOLE 0 0 0 12,926
NUCOR CORP COM 670346105   974,203 6,480 SH   SOLE 0 0 0 6,480
ORACLE CORP COM 68389X105   697,958 4,096 SH   SOLE 0 0 0 4,096
PACKAGING CORP AMER COM 695156109   435,108 2,020 SH   SOLE 0 0 0 2,020
PAYCHEX INC COM 704326107   769,714 5,736 SH   SOLE 0 0 0 5,736
PAYPAL HLDGS INC COM 70450Y103   351,525 4,505 SH   SOLE 0 0 0 4,505
PEPSICO INC COM 713448108   990,711 5,826 SH   SOLE 0 0 0 5,826
PFIZER INC COM 717081103   542,914 18,760 SH   SOLE 0 0 0 18,760
PHILIP MORRIS INTL INC COM 718172109   205,045 1,689 SH   SOLE 0 0 0 1,689
PHILLIPS 66 COM 718546104   258,168 1,964 SH   SOLE 0 0 0 1,964
PPL CORP COM 69351T106   517,570 15,646 SH   SOLE 0 0 0 15,646
PROCTER AND GAMBLE CO COM 742718109   860,631 4,969 SH   SOLE 0 0 0 4,969
PRUDENTIAL FINL INC COM 744320102   683,852 5,647 SH   SOLE 0 0 0 5,647
PUBLIC STORAGE OPER CO COM 74460D109   253,617 697 SH   SOLE 0 0 0 697
QUALCOMM INC COM 747525103   633,436 3,725 SH   SOLE 0 0 0 3,725
RTX CORPORATION COM 75513E101   494,696 4,083 SH   SOLE 0 0 0 4,083
SALESFORCE INC COM 79466L302   270,425 988 SH   SOLE 0 0 0 988
SANOFI SPONSORED ADR 80105N105   215,248 3,735 SH   SOLE 0 0 0 3,735
SCHLUMBERGER LTD COM STK 806857108   243,352 5,801 SH   SOLE 0 0 0 5,801
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   894,331 27,714 SH   SOLE 0 0 0 27,714
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   228,751 5,563 SH   SOLE 0 0 0 5,563
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   205,651 1,974 SH   SOLE 0 0 0 1,974
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   261,685 3,256 SH   SOLE 0 0 0 3,256
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,846,179 98,942 SH   SOLE 0 0 0 98,942
SCHWAB STRATEGIC TR US REIT ETF 808524847   847,003 36,556 SH   SOLE 0 0 0 36,556
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   438,339 4,002 SH   SOLE 0 0 0 4,002
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,259,930 14,350 SH   SOLE 0 0 0 14,350
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   871,434 3,860 SH   SOLE 0 0 0 3,860
SMUCKER J M CO COM NEW 832696405   452,914 3,740 SH   SOLE 0 0 0 3,740
SPDR GOLD TR GOLD SHS 78463V107   606,678 2,496 SH   SOLE 0 0 0 2,496
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   283,390 7,545 SH   SOLE 0 0 0 7,545
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,538,952 6,168 SH   SOLE 0 0 0 6,168
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,110,837 1,950 SH   SOLE 0 0 0 1,950
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,794,788 30,441 SH   SOLE 0 0 0 30,441
SPDR SER TR PRTFLO S&P500 VL 78464A508   220,162 4,165 SH   SOLE 0 0 0 4,165
SPDR SER TR PORTFOLIO AGRGTE 78464A649   657,421 25,150 SH   SOLE 0 0 0 25,150
SPDR SER TR PORTFOLIO INTRMD 78464A375   623,972 18,510 SH   SOLE 0 0 0 18,510
SPDR SER TR PORTFOLIO S&P600 78468R853   202,474 4,449 SH   SOLE 0 0 0 4,449
SPROTT PHYSICAL GOLD TR UNIT 85207H104   236,673 11,613 SH   SOLE 0 0 0 11,613
STARBUCKS CORP COM 855244109   436,560 4,478 SH   SOLE 0 0 0 4,478
STRYKER CORPORATION COM 863667101   301,291 834 SH   SOLE 0 0 0 834
SYNOPSYS INC COM 871607107   435,495 860 SH   SOLE 0 0 0 860
T-MOBILE US INC COM 872590104   311,810 1,511 SH   SOLE 0 0 0 1,511
TARGET CORP COM 87612E106   563,278 3,614 SH   SOLE 0 0 0 3,614
THERMO FISHER SCIENTIFIC INC COM 883556102   251,758 407 SH   SOLE 0 0 0 407
TJX COS INC NEW COM 872540109   570,657 4,855 SH   SOLE 0 0 0 4,855
TRADEWEB MKTS INC CL A 892672106   280,484 2,268 SH   SOLE 0 0 0 2,268
TRAVELERS COMPANIES INC COM 89417E109   953,337 4,072 SH   SOLE 0 0 0 4,072
TYSON FOODS INC CL A 902494103   482,496 8,101 SH   SOLE 0 0 0 8,101
UNION PAC CORP COM 907818108   521,305 2,115 SH   SOLE 0 0 0 2,115
UNITED PARCEL SERVICE INC CL B 911312106   238,595 1,750 SH   SOLE 0 0 0 1,750
UNITEDHEALTH GROUP INC COM 91324P102   403,429 690 SH   SOLE 0 0 0 690
US BANCORP DEL COM NEW 902973304   447,697 9,790 SH   SOLE 0 0 0 9,790
VALERO ENERGY CORP COM 91913Y100   451,810 3,346 SH   SOLE 0 0 0 3,346
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   6,155,683 78,227 SH   SOLE 0 0 0 78,227
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   5,167,925 30,822 SH   SOLE 0 0 0 30,822
VANGUARD INDEX FDS VALUE ETF 922908744   2,937,140 16,825 SH   SOLE 0 0 0 16,825
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,205,252 15,964 SH   SOLE 0 0 0 15,964
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   354,901 3,643 SH   SOLE 0 0 0 3,643
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,522,106 8,907 SH   SOLE 0 0 0 8,907
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,359,179 28,405 SH   SOLE 0 0 0 28,405
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   744,660 11,820 SH   SOLE 0 0 0 11,820
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   464,143 5,542 SH   SOLE 0 0 0 5,542
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,083,512 17,933 SH   SOLE 0 0 0 17,933
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,144,873 39,598 SH   SOLE 0 0 0 39,598
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,831,669 19,346 SH   SOLE 0 0 0 19,346
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   489,760 9,274 SH   SOLE 0 0 0 9,274
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,030,392 23,638 SH   SOLE 0 0 0 23,638
VERIZON COMMUNICATIONS INC COM 92343V104   1,530,757 34,085 SH   SOLE 0 0 0 34,085
VERTEX PHARMACEUTICALS INC COM 92532F100   386,947 832 SH   SOLE 0 0 0 832
VIATRIS INC COM 92556V106   259,472 22,349 SH   SOLE 0 0 0 22,349
VIRTU FINL INC CL A 928254101   587,238 19,279 SH   SOLE 0 0 0 19,279
VISA INC COM CL A 92826C839   310,968 1,131 SH   SOLE 0 0 0 1,131
WALGREENS BOOTS ALLIANCE INC COM 931427108   176,628 19,713 SH   SOLE 0 0 0 19,713
WALMART INC COM 931142103   326,230 4,040 SH   SOLE 0 0 0 4,040
WASTE MGMT INC DEL COM 94106L109   602,455 2,902 SH   SOLE 0 0 0 2,902
XYLEM INC COM 98419M100   619,248 4,586 SH   SOLE 0 0 0 4,586
ZOETIS INC CL A 98978V103   651,006 3,332 SH   SOLE 0 0 0 3,332