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 235 30,896 SH   SOLE   30,896 0 0
APPLE INC COM 037833100 388 3,414 SH   SOLE   3,414 0 0
ISHARES EDGE MSCI MIN VOL GBL ETF 464286525 10,603 115,741 SH   SOLE   115,741 0 0
ISHARES TR MSCI ACWI ETF 464288257 5,160 64,783 SH   SOLE   64,783 0 0
WISDOMTREE INTRST RT HDG AGRGT ETF INTRST RATE HDGE 97717W380 6,947 147,812 SH   SOLE   147,812 0 0
ALLETE INC COM 018522300 201 3,890 SH   SOLE   3,890 0 0
AMAZON COM INC COM 023135106 629 200 SH   SOLE   200 0 0
XTRCKRS MSCI EMRG MRKT HDGD EQY ETF XTRACK MSCI EMRG 233051101 4,262 172,823 SH   SOLE   172,823 0 0
DBS ETF TR XTRACK MSCI EAFE 233051200 365 11,927 SH   SOLE   11,927 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 1,626 9,825 SH   SOLE   9,825 0 0
ISHARES TR MSCI EAFE ETF 464287465 207 3,264 SH   SOLE   3,264 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 11,397 206,774 SH   SOLE   206,774 0 0
SPDR GOLD TR GOLD SHS 78463V107 3,987 23,220 SH   SOLE   23,220 0 0
SPDR GOLD MINI SHARES TRUST SPDR GLD MINIS 98149E204 242 12,907 SH   SOLE   12,907 0 0
ISHARES TR US TREAS BD ETF 43429B267 6,050 216,470 SH   SOLE   216,470 0 0
ISHARES INTERMEDT TERM CORP BOND ETF INTRM TR CRP ETF 464288638 7,948 130,537 SH   SOLE   130,537 0 0
ISHARES TR U.S. MED DVC ETF 464288810 1,491 4,975 SH   SOLE   4,975 0 0
ISHARES US AEROSPACE DEFENSE ETF US AER DEF ETF 464288760 938 5,924 SH   SOLE   5,924 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 253 1,170 SH   SOLE   1,170 0 0
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 426 2,845 SH   SOLE   2,845 0 0
ETF SER SOLUTIONS US GLB JETS 26922A842 1,240 73,381 SH   SOLE   73,381 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 2,910 57,305 SH   SOLE   57,305 0 0
MEDTRONIC PLC F SHS G5960L103 734 7,072 SH   SOLE   7,072 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 663 5,535 SH   SOLE   5,535 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 1,355 7,307 SH   SOLE   7,307 0 0
MICROSOFT CORP COM 594918104 993 4,721 SH   SOLE   4,721 0 0
PROCTER & GAMBLE CO COM 742718109 387 2,789 SH   SOLE   2,789 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103 9,670 35,780 SH   SOLE   35,780 0 0
SCHWAB US BROAD MARKET ETF Total US BRD MKT ETF 808524102 10,817 136,040 SH   SOLE   136,040 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 11,148 201,260 SH   SOLE   201,260 0 0
SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300 13,465 117,488 SH   SOLE   117,488 0 0
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 14,634 283,791 SH   SOLE   283,791 0 0
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 9,299 165,533 SH   SOLE   165,533 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,114 22,349 SH   SOLE   22,349 0 0
ISHARES TR SHORT TREAS BD 464288679 4,236 38,267 SH   SOLE   38,267 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 3,879 44,846 SH   SOLE   44,846 0 0
ISHARES TR EDGE MSCI MINM 46435G433 7,070 240,221 SH   SOLE   240,221 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 3,660 73,052 SH   SOLE   73,052 0 0
AT&T INC COM 00206R102 442,132 15,508 SH   SOLE   15,508 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,142 7,000 SH   SOLE   7,000 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,274 5,931 SH   SOLE   5,931 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,260 8,705 SH   SOLE   8,705 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 304 5,118 SH   SOLE   5,118 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,610 13,799 SH   SOLE   13,799 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 960 14,986 SH   SOLE   14,986 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 252 4,244 SH   SOLE   4,244 0 0
ISHARES TR CONSER ALLOC ETF 464289883 1,164 31,331 SH   SOLE   31,331 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 564 6,404 SH   SOLE   6,404 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 1,265 15,463 SH   SOLE   15,463 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 527 2,478 SH   SOLE   2,478 0 0
WALT DISNEY COMPANY COM 254687106 307 2,479 SH   SOLE   2,479 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 253 8,770 SH   SOLE   8,770 0 0
ECOLAB INC COM 278865100 1,254 6,276 SH   SOLE   6,276 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 1,145 9,401 SH   SOLE   9,401 0 0
ISHARES TR INTL QLTY FACTOR 46434V456 1,621 51,742 SH   SOLE   51,742 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 295 2,501 SH   SOLE   2,501 0 0
ISHARES TR RUS MID CAP ETF 464287499 487 8,499 SH   SOLE   8,499 0 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 1,823 35,275 SH   SOLE   35,275 0 0
3M COMPANY COM 88579Y101 5,958 37,199 SH   SOLE   37,199 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 2,293 15,556 SH   SOLE   15,556 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 728 41,494 SH   SOLE   41,494 0 0
ISHARES TR USA QUALITY FCTR 46432F339 2,599 25,060 SH   SOLE   25,060 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 1,916 5,788 SH   SOLE   5,788 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,783 65,076 SH   SOLE   65,076 0 0
TRAVELERS COMPANIES COM 89417E109 677 6,262 SH   SOLE   6,262 0 0
XCEL ENERGY INC COM 98389B100 292 4,241 SH   SOLE   4,241 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 2,794 82,615 SH   SOLE   82,615 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 315 7,356 SH   SOLE   7,356 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 1,421 15,461 SH   SOLE   15,461 0 0