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
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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
CION INVESTMENT CORP 40 ACT REGISTERED MARYLAND COM 17259U105 229 30,540 SH   SOLE   30,540 0 0
ISHARES EDGE MSCI MIN VOL GBL ETF 464286525 9,680 120,496 SH   SOLE   120,496 0 0
WISDOMTREE INTRST RT HDG AGRGT ETF INTRST RATE HDGE 97717W380 6,645 134,233 SH   SOLE   134,233 0 0
AMAZON COM INC COM 023135106 392 201 SH   SOLE   201 0 0
ALLETE INC COM 018522300 246 4,052 SH   SOLE   4,052 0 0
PROSHARES TR PSHS SHORT DOW 30 74347B235 873 14,914 SH   SOLE   14,914 0 0
XTRCKRS MSCI EMRG MRKT HDGD EQY ETF XTRACK MSCI EMRG 233051101 3,358 176,625 SH   SOLE   176,625 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 1,232 7,346 SH   SOLE   7,346 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 7,380 140,013 SH   SOLE   140,013 0 0
SPDR GOLD MINI SHARES TRUST SPDR GLD MINIS 98149E204 269 17,100 SH   SOLE   17,100 0 0
IAC INTERACTIVECORP COM 44919P508 206 1,150 SH   SOLE   1,150 0 0
ISHARES INTERMEDT TERM CORP BOND ETF INTRM TR CRP ETF 464288638 6,410 116,713 SH   SOLE   116,713 0 0
ISHARES TR U.S. MED DVC ETF 464288810 1,068 4,740 SH   SOLE   4,740 0 0
ISHARES US AEROSPACE DEFENSE ETF US AER DEF ETF 464288760 1,010 7,020 SH   SOLE   7,020 0 0
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 336 2,934 SH   SOLE   2,934 0 0
ETF SER SOLUTIONS US GLB JETS 26922A842 783 53,144 SH   SOLE   53,144 0 0
JPMORGAN DIVERSIFIED RTN GBL EQT ETF DIV RTN GLB EQ 46641Q100 5,241 109,535 SH   SOLE   109,535 0 0
MEDTRONIC PLC F SHS G5960L103 638 7,072 SH   SOLE   7,072 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 1,067 8,397 SH   SOLE   8,397 0 0
3M COMPANY COM 88579Y101 6,612 48,440 SH   SOLE   48,440 0 0
INDEXIQ MERGER ARBITRAGE ETF IQ MRGR ARB ETF 45409B800 3,486 115,674 SH   SOLE   115,674 0 0
MICROSOFT CORP COM 594918104 722 4,580 SH   SOLE   4,580 0 0
PROCTER & GAMBLE CO COM 742718109 307 2,789 SH   SOLE   2,789 0 0
PROSHARES TR SHORT QQQ NEW 74347B714 861 33,895 SH   SOLE   33,895 0 0
INVESCO ACTIVELY MANAGD ETF ACTIVE US REAL 46090A101 2,988 41,648 SH   SOLE   41,648 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103 1,555 8,168 SH   SOLE   8,168 0 0
PROSHARES TR SHRT RUSSELL2000 74348A210 846 17,555 SH   SOLE   17,555 0 0
SCHWAB US BROAD MARKET ETF Total US BRD MKT ETF 808524102 8,702 144,006 SH   SOLE   144,006 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 10,121 225,018 SH   SOLE   225,018 0 0
SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300 8,334 104,632 SH   SOLE   104,632 0 0
CHARLES SCHWAB US MC ETF US MID-CAP ETF 808524508 2,142 50,815 SH   SOLE   50,815 0 0
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 17,886 345,764 SH   SOLE   345,764 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 1,574 62,795 SH   SOLE   62,795 0 0
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 7,437 137,036 SH   SOLE   137,036 0 0
PROSHARES TR SHORT S&P 500 NE 74347B425 877 31,706 SH   SOLE   31,706 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,232 25,186 SH   SOLE   25,186 0 0
ISHARES TR EDGE MSCI MINM 46435G433 5,708 220,749 SH   SOLE   220,749 0 0
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192 774 14,204 SH   SOLE   14,204 0 0
SPDR MSCI ACWI IMI ETF PORTFLI MSCI GBL 78463X475 249 7,407 SH   SOLE   7,407 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 1,317 5,109 SH   SOLE   5,109 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 945 26,432 SH   SOLE   26,432 0 0
SPDR BLACKSTONE GSO SENIOR LOAN ETF BLKSTN GSOSRLN 78467V608 1,505 37,628 SH   SOLE   37,628 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,347 8,168 SH   SOLE   8,168 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,030 9,338 SH   SOLE   9,338 0 0
TRAVELERS COMPANIES COM 89417E109 662 6,662 SH   SOLE   6,662 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 634 14,229 SH   SOLE   14,339 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,814 22,568 SH   SOLE   22,568 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,505 27,624 SH   SOLE   27,624 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 320 5,783 SH   SOLE   5,783 0 0
WALT DISNEY COMPANY COM 254687106 234 2,425 SH   SOLE   2,425 0 0
ISHARES TR CONSER ALLOC ETF 464289883 658 19,492 SH   SOLE   19,492 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072887 265 8,522 SH   SOLE   8,522 0 0
ECOLAB INC COM 278865100 6,277 40,281 SH   SOLE   40,281 0 0
WISDOMTREE TR US MIDCAP FUND 97717W570 208 7,873 SH   SOLE   7,873 0 0
APPLE INC COM 037833100 201 791 SH   SOLE   791 0 0
ISHARES TR INTL QLTY FACTOR 46434V456 1,176 45,484 SH   SOLE   45,484 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 251 2,529 SH   SOLE   2,529 0 0
ISHARES TR RUS MID CAP ETF 464287499 261 6,036 SH   SOLE   6,036 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 2,445 49,234 SH   SOLE   49,234 0 0
FIRST TR EXCHANGE TRADED FD FST LOW OPPT EFT 33739Q200 1,634 32,036 SH   SOLE   32,036 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 1,279 12,008 SH   SOLE   12,008 0 0
INVESCO EXCHNG TRADED FD TR FTSE RAFI EMNG 46138E727 537 34,816 SH   SOLE   34,816 0 0
ISHARES TR USA QUALITY FCTR 46432F339 1,461 18,031 SH   SOLE   18,031 0 0
SPDR SERIES TRUST PRTFLO S&P500 HI 78468R788 1,488 60,488 SH   SOLE   60,488 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,024 10,252 SH   SOLE   10,252 0 0
XCEL ENERGY INC COM 98389B100 495 8,210 SH   SOLE   8,210 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 988 12,442 SH   SOLE   12,442 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 342 1,871 SH   SOLE   1,871 0 0
J P MORGAN EXCHANGE TRADED FD DIV RTN GLB EQ 46641Q100 201 4,202 SH   SOLE   4,202 0 0