Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHP	SCHWAB STRATEGIC TR	25,936	$687K	0.3%	$26.50	—	US TIPS ETF	808524870
SCHO	SCHWAB STRATEGIC TR	28,265	$682K	0.3%	$24.14	—	SHT TM US TRES	808524862
IGV	ISHARES TR	3,422	$310K	0.2%	$90.60	—	EXPANDED TECH	464287515
THNQ	EXCHANGE TRADED CONCEPTS TRU	3,115	$284K	0.1%	$91.21	—	ROBO GLB ARTIF	301505731
SCHI	SCHWAB STRATEGIC TR	11,799	$267K	0.1%	$22.64	—	5 10YR CORP BD	808524698
IVW	ISHARES TR	1,720	$237K	0.1%	$137.53	—	S&P 500 GRWT ETF	464287309
GEV	GE VERNOVA INC	184	$216K	0.1%	$1174.86	—	COM	36828A101
GE	GE AEROSPACE	554	$207K	0.1%	$373.73	—	COM NEW	369604301

Increased Positions (18)

FNDA SCHWAB STRATEGIC TR 11.4%

Value $22.98M (+19.7%) Shares 603,841 (+2.0%) Est. Cost $42.64 Unrealized —

FNDX SCHWAB STRATEGIC TR 9.6%

Value $19.26M (+23.1%) Shares 619,404 (+10.2%) Est. Cost $35.25 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 9.4%

Value $18.97M (+12.3%) Shares 266,252 (+1.0%) Est. Cost $49.03 Unrealized —

AOA ISHARES TR 1.7%

Value $3.42M (+38.8%) Shares 35,042 (+25.8%) Est. Cost $78.34 Unrealized —

BKLC BNY MELLON ETF TRUST 2.6%

Value $5.143M (+17.7%) Shares 35,865 (+2.5%) Est. Cost $112.37 Unrealized —

BKIE BNY MELLON ETF TRUST 3.6%

Value $7.15M (+9.3%) Shares 71,072 (+1.5%) Est. Cost $89.76 Unrealized —

AOR ISHARES TR 3.0%

Value $6.034M (+9.4%) Shares 86,813 (+1.3%) Est. Cost $53.71 Unrealized —

FNDE SCHWAB STRATEGIC TR 3.5%

Value $7.08M (+5.0%) Shares 178,420 (+1.2%) Est. Cost $28.12 Unrealized —

BKAG BNY MELLON ETF TRUST 4.4%

Value $8.895M (+1.4%) Shares 212,034 (+2.0%) Est. Cost $42.58 Unrealized —

EEM ISHARES TR 0.3%

Value $503K (+26.7%) Shares 7,350 (+5.2%) Est. Cost $41.60 Unrealized —

IGSB ISHARES TR 5.4%

Value $10.93M (+0.9%) Shares 208,621 (+1.1%) Est. Cost $53.02 Unrealized —

DKNG DRAFTKINGS INC NEW 0.1%

Value $277K (+38.6%) Shares 10,974 (+18.6%) Est. Cost $32.07 Unrealized —

GOOG ALPHABET INC 0.2%

Value $383K (+24.7%) Shares 1,084 (+1.2%) Est. Cost $287.14 Unrealized —

TSLA TESLA INC 0.2%

Value $314K (+28.7%) Shares 746 (+13.7%) Est. Cost $362.12 Unrealized —

FNDF SCHWAB STRATEGIC TR 0.2%

Value $394K (+14.1%) Shares 7,468 (+5.9%) Est. Cost $42.66 Unrealized —

AMZN AMAZON COM INC 0.2%

Value $322K (+16.8%) Shares 1,351 (+2.0%) Est. Cost $227.14 Unrealized —

MSFT MICROSOFT CORP 0.6%

Value $1.245M (+3.4%) Shares 3,338 (+2.6%) Est. Cost $399.39 Unrealized —

META META PLATFORMS INC 0.1%

Value $290K (+2.0%) Shares 514 (+3.6%) Est. Cost $663.54 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
FNDA	SCHWAB STRATEGIC TR	603,841 (+2.0%)	$22.98M (+19.7%)	11.4%	$42.64	—	FUNDAMENTAL US S	808524763
FNDX	SCHWAB STRATEGIC TR	619,404 (+10.2%)	$19.26M (+23.1%)	9.6%	$35.25	—	FUNDAMENTAL US L	808524771
VEA	VANGUARD TAX-MANAGED FDS	266,252 (+1.0%)	$18.97M (+12.3%)	9.4%	$49.03	—	VAN FTSE DEV MKT	921943858
AOA	ISHARES TR	35,042 (+25.8%)	$3.42M (+38.8%)	1.7%	$78.34	—	CORE 80 20 ETF	464289859
BKLC	BNY MELLON ETF TRUST	35,865 (+2.5%)	$5.143M (+17.7%)	2.6%	$112.37	—	US LRG CP CORE	09661T107
BKIE	BNY MELLON ETF TRUST	71,072 (+1.5%)	$7.15M (+9.3%)	3.6%	$89.76	—	INTERNATIONL EQT	09661T404
AOR	ISHARES TR	86,813 (+1.3%)	$6.034M (+9.4%)	3.0%	$53.71	—	CORE 60 BALA ETF	464289867
FNDE	SCHWAB STRATEGIC TR	178,420 (+1.2%)	$7.08M (+5.0%)	3.5%	$28.12	—	FUND EM EQUI ETF	808524730
BKAG	BNY MELLON ETF TRUST	212,034 (+2.0%)	$8.895M (+1.4%)	4.4%	$42.58	—	CORE BOND ETF	09661T602
EEM	ISHARES TR	7,350 (+5.2%)	$503K (+26.7%)	0.3%	$41.60	—	MSCI EMG MKT ETF	464287234
IGSB	ISHARES TR	208,621 (+1.1%)	$10.93M (+0.9%)	5.4%	$53.02	—	ISHS 1-5YR INVS	464288646
DKNG	DRAFTKINGS INC NEW	10,974 (+18.6%)	$277K (+38.6%)	0.1%	$32.07	—	COM CL A	26142V105
GOOG	ALPHABET INC	1,084 (+1.2%)	$383K (+24.7%)	0.2%	$287.14	—	CAP STK CL C	02079K107
TSLA	TESLA INC	746 (+13.7%)	$314K (+28.7%)	0.2%	$362.12	—	COM	88160R101
FNDF	SCHWAB STRATEGIC TR	7,468 (+5.9%)	$394K (+14.1%)	0.2%	$42.66	—	FUNDAMENTAL INTL	808524755
AMZN	AMAZON COM INC	1,351 (+2.0%)	$322K (+16.8%)	0.2%	$227.14	—	COM	023135106
MSFT	MICROSOFT CORP	3,338 (+2.6%)	$1.245M (+3.4%)	0.6%	$399.39	—	COM	594918104
META	META PLATFORMS INC	514 (+3.6%)	$290K (+2.0%)	0.1%	$663.54	—	CL A	30303M102

Exited Positions (2)

DVN DEVON ENERGY CORP NEW 0.2%

Value $347K Shares 6,890 Est. Cost $41.35 Unrealized —

XOM EXXON MOBIL CORP 0.1%

Value $215K Shares 1,267 Est. Cost $138.74 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
DVN	DEVON ENERGY CORP NEW	6,890	$347K	0.2%	$41.35	—	—	25179M103
XOM	EXXON MOBIL CORP	1,267	$215K	0.1%	$138.74	—	—	30231G102

Decreased Positions (2)

USB US BANCORP 1.0%

Value $2.022M (+8.1%) Shares 33,482 (-6.9%) Est. Cost $33.10 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.6%

Value $1.181M (+1.4%) Shares 2,360 (-2.9%) Est. Cost $366.83 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
USB	US BANCORP	33,482 (-6.9%)	$2.022M (+8.1%)	1.0%	$33.10	—	COM NEW	902973304
BRK/B	BERKSHIRE HATHAWAY INC DEL	2,360 (-2.9%)	$1.181M (+1.4%)	0.6%	$366.83	—	CL B NEW	084670702

Unchanged Positions (21)

OEF ISHARES TR 10.9%

Value $21.84M Shares 59,704 Est. Cost $236.16 Unrealized —

RSP INVESCO EXCHANGE TRADED FD T 10.5%

Value $21.1M Shares 99,149 Est. Cost $157.80 Unrealized —

ILCB ISHARES TR 5.2%

Value $10.45M Shares 100,803 Est. Cost $92.40 Unrealized —

AAPL APPLE INC 1.9%

Value $3.846M Shares 13,292 Est. Cost $188.54 Unrealized —

ALRS ALERUS FINL CORP 0.8%

Value $1.564M Shares 50,279 Est. Cost $17.33 Unrealized —

UNH UNITEDHEALTH GROUP INC 0.2%

Value $426K Shares 1,025 Est. Cost $509.10 Unrealized —

VOO VANGUARD INDEX FDS 0.5%

Value $987K Shares 1,437 Est. Cost $436.80 Unrealized —

NVDA NVIDIA CORPORATION 0.3%

Value $583K Shares 2,915 Est. Cost $154.36 Unrealized —

KRE SPDR SERIES TRUST 0.2%

Value $406K Shares 5,419 Est. Cost $52.43 Unrealized —

VTI VANGUARD INDEX FDS 0.2%

Value $361K Shares 976 Est. Cost $251.92 Unrealized —

SPHY SPDR SERIES TRUST 2.7%

Value $5.492M Shares 234,315 Est. Cost $23.94 Unrealized —

TGT TARGET CORP 0.2%

Value $452K Shares 3,459 Est. Cost $111.29 Unrealized —

AOM ISHARES TR 0.3%

Value $615K Shares 12,335 Est. Cost $43.27 Unrealized —

TIP ISHARES TR 5.1%

Value $10.25M Shares 93,666 Est. Cost $107.50 Unrealized —

IYG ISHARES TR 0.1%

Value $286K Shares 3,165 Est. Cost $66.30 Unrealized —

AOK ISHARES TR 0.3%

Value $630K Shares 15,197 Est. Cost $36.25 Unrealized —

IEFA ISHARES TR 0.1%

Value $273K Shares 2,826 Est. Cost $75.65 Unrealized —

OTTR OTTER TAIL CORP 0.2%

Value $381K Shares 4,238 Est. Cost $72.94 Unrealized —

BSV VANGUARD BD INDEX FDS 0.3%

Value $701K Shares 9,001 Est. Cost $77.10 Unrealized —

HYG ISHARES TR 0.1%

Value $217K Shares 2,716 Est. Cost $77.48 Unrealized —

ISTB ISHARES TR 0.1%

Value $243K Shares 5,042 Est. Cost $47.56 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
OEF	ISHARES TR	59,704	$21.84M	10.9%	$236.16	—	S&P 100 ETF	464287101
RSP	INVESCO EXCHANGE TRADED FD T	99,149	$21.1M	10.5%	$157.80	—	S&P500 EQL WGT	46137V357
ILCB	ISHARES TR	100,803	$10.45M	5.2%	$92.40	—	MORNINGSTR US EQ	464287127
AAPL	APPLE INC	13,292	$3.846M	1.9%	$188.54	—	COM	037833100
ALRS	ALERUS FINL CORP	50,279	$1.564M	0.8%	$17.33	—	COM	01446U103
UNH	UNITEDHEALTH GROUP INC	1,025	$426K	0.2%	$509.10	—	COM	91324P102
VOO	VANGUARD INDEX FDS	1,437	$987K	0.5%	$436.80	—	S&P 500 ETF SHS	922908363
NVDA	NVIDIA CORPORATION	2,915	$583K	0.3%	$154.36	—	COM	67066G104
KRE	SPDR SERIES TRUST	5,419	$406K	0.2%	$52.43	—	ST STR SP REGBNK	78464A698
VTI	VANGUARD INDEX FDS	976	$361K	0.2%	$251.92	—	TOTAL STK MKT	922908769
SPHY	SPDR SERIES TRUST	234,315	$5.492M	2.7%	$23.94	—	ST PORT HIGH ETF	78468R606
TGT	TARGET CORP	3,459	$452K	0.2%	$111.29	—	COM	87612E106
AOM	ISHARES TR	12,335	$615K	0.3%	$43.27	—	CORE 40 MODE ETF	464289875
TIP	ISHARES TR	93,666	$10.25M	5.1%	$107.50	—	TIPS BD ETF	464287176
IYG	ISHARES TR	3,165	$286K	0.1%	$66.30	—	U.S. FIN SVC ETF	464287770
AOK	ISHARES TR	15,197	$630K	0.3%	$36.25	—	CORE 30 70 ETF	464289883
IEFA	ISHARES TR	2,826	$273K	0.1%	$75.65	—	CORE MSCI EAFE	46432F842
OTTR	OTTER TAIL CORP	4,238	$381K	0.2%	$72.94	—	COM	689648103
BSV	VANGUARD BD INDEX FDS	9,001	$701K	0.3%	$77.10	—	SHORT TRM BOND	921937827
HYG	ISHARES TR	2,716	$217K	0.1%	$77.48	—	IBOXX HI YD ETF	464288513
ISTB	ISHARES TR	5,042	$243K	0.1%	$47.56	—	CORE 1 5 YR USD	46432F859