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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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 228 30,540 SH   SOLE   30,540 0 0
APPLE INC COM 037833100 293 803 SH   SOLE   803 0 0
ISHARES EDGE MSCI MIN VOL GBL ETF 464286525 11,457 130,816 SH   SOLE   130,816 0 0
ISHARES TR MSCI ACWI ETF 464288257 4,766 64,649 SH   SOLE   64,649 0 0
WISDOMTREE INTRST RT HDG AGRGT ETF INTRST RATE HDGE 97717W380 6,875 146,206 SH   SOLE   146,206 0 0
ALLETE INC COM 018522300 221 4,052 SH   SOLE   4,052 0 0
AMAZON COM INC COM 023135106 568 206 SH   SOLE   206 0 0
XTRCKRS MSCI EMRG MRKT HDGD EQY ETF XTRACK MSCI EMRG 233051101 3,894 175,090 SH   SOLE   175,090 0 0
DBS ETF TR XTRACK MSCI EAFE 233051200 367 12,150 SH   SOLE   12,150 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 1,683 10,137 SH   SOLE   10,137 0 0
ISHARES TR MSCI EAFE ETF 464287465 219 3,600 SH   SOLE   3,600 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 11,137 203,272 SH   SOLE   203,272 0 0
SPDR GOLD TR GOLD SHS 78463V107 3,671 21,936 SH   SOLE   21,936 0 0
SPDR GOLD MINI SHARES TRUST SPDR GLD MINIS 98149E204 222 12,500 SH   SOLE   12,500 0 0
ISHARES TR US TREAS BD ETF 43429B267 6,072 216,920 SH   SOLE   216,920 0 0
IAC INTERACTIVECORP COM 44919P508 372 1,150 SH   SOLE   1,150 0 0
ISHARES INTERMEDT TERM CORP BOND ETF INTRM TR CRP ETF 464288638 7,755 128,434 SH   SOLE   128,434 0 0
ISHARES TR U.S. MED DVC ETF 464288810 1,329 5,021 SH   SOLE   5,021 0 0
ISHARES US AEROSPACE DEFENSE ETF US AER DEF ETF 464288760 1,015 6,162 SH   SOLE   6,162 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 242 1,261 SH   SOLE   1,261 0 0
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 420 2,934 SH   SOLE   2,934 0 0
ETF SER SOLUTIONS US GLB JETS 26922A842 1,221 73,344 SH   SOLE   73,344 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 2,877 56,711 SH   SOLE   56,711 0 0
MEDTRONIC PLC F SHS G5960L103 649 7,072 SH   SOLE   7,072 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 605 5,526 SH   SOLE   5,526 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 1,222 7,475 SH   SOLE   7,475 0 0
MICROSOFT CORP COM 594918104 963 4,735 SH   SOLE   4,735 0 0
PROCTER & GAMBLE CO COM 742718109 336 2,806 SH   SOLE   2,806 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103 8,598 34,725 SH   SOLE   34,725 0 0
SCHWAB US BROAD MARKET ETF Total US BRD MKT ETF 808524102 10,011 136,256 SH   SOLE   136,256 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 10,347 199,938 SH   SOLE   199,938 0 0
SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300 12,103 119,198 SH   SOLE   119,198 0 0
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 14,716 285,024 SH   SOLE   285,024 0 0
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 9,244 164,360 SH   SOLE   164,360 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,139 22,835 SH   SOLE   22,835 0 0
ISHARES TR SHORT TREAS BD 464288679 4,292 38,756 SH   SOLE   38,756 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 3,956 45,677 SH   SOLE   45,677 0 0
ISHARES TR EDGE MSCI MINM 46435G433 6,917 238,594 SH   SOLE   238,594 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 3,297 73,386 SH   SOLE   73,386 0 0
AT&T INC COM 00206R102 500 16,539 SH   SOLE   16,539 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,181 7,205 SH   SOLE   7,205 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,187 5,947 SH   SOLE   5,947 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,163 8,958 SH   SOLE   8,958 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 349 6,333 SH   SOLE   6,333 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,464 14,013 SH   SOLE   14,013 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 875 14,923 SH   SOLE   14,923 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 320 5,783 SH   SOLE   5,783 0 0
ISHARES TR CONSER ALLOC ETF 464289883 1,112 30,544 SH   SOLE   30,544 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072887 322 7,966 SH   SOLE   7,966 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 486 5,501 SH   SOLE   5,501 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 1,158 14,201 SH   SOLE   14,201 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 356 1,998 SH   SOLE   1,998 0 0
WALT DISNEY COMPANY COM 254687106 279 2,500 SH   SOLE   2,500 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 248 8,749 SH   SOLE   8,749 0 0
ECOLAB INC COM 278865100 1,247 6,278 SH   SOLE   6,278 0 0
WISDOMTREE TR US MIDCAP FUND 97717W570 201 6,183 SH   SOLE   6,183 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 923 7,580 SH   SOLE   7,580 0 0
ISHARES TR INTL QLTY FACTOR 46434V456 1,484 50,478 SH   SOLE   50,478 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 281 2,497 SH   SOLE   2,497 0 0
ISHARES TR RUS MID CAP ETF 464287499 354 6,606 SH   SOLE   6,606 0 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 1,903 36,830 SH   SOLE   36,830 0 0
3M COMPANY COM 88579Y101 5,801 37,193 SH   SOLE   37,193 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 2,002 15,282 SH   SOLE   15,282 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 703 40,654 SH   SOLE   40,654 0 0
ISHARES TR USA QUALITY FCTR 46432F339 2,287 23,850 SH   SOLE   23,850 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 1,675 5,434 SH   SOLE   5,434 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,812 65,085 SH   SOLE   65,085 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 278 2,719 SH   SOLE   2,719 0 0
TRAVELERS COMPANIES COM 89417E109 596 5,227 SH   SOLE   5,227 0 0
XCEL ENERGY INC COM 98389B100 298 4,777 SH   SOLE   4,777 0 0