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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
AMERICAN CENTY ETF TR US SML CP VALU 025072877   311,672,831 3,470,744 SH   SOLE   0 0 3,470,744
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   223,471,610 7,810,962 SH   SOLE   0 0 7,810,962
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   200,355,685 7,770,241 SH   SOLE   0 0 7,770,241
ISHARES TR MSCI USA QLT FCT 46432F339   199,475,379 1,355,444 SH   SOLE   0 0 1,355,444
ISHARES TR S&P 100 ETF 464287101   161,139,430 721,337 SH   SOLE   0 0 721,337
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   108,173,952 1,872,818 SH   SOLE   0 0 1,872,818
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   72,095,694 2,809,653 SH   SOLE   0 0 2,809,653
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   65,314,434 2,234,500 SH   SOLE   0 0 2,234,500
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   45,167,637 863,131 SH   SOLE   0 0 863,131
VANGUARD INDEX FDS SM CP VAL ETF 922908611   41,444,768 230,287 SH   SOLE   0 0 230,287
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   40,953,533 802,224 SH   SOLE   0 0 802,224
MICROSOFT CORP COM 594918104   30,906,188 82,189 SH   SOLE   0 0 82,189
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   30,501,312 979,804 SH   SOLE   0 0 979,804
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372   30,230,955 657,624 SH   SOLE   0 0 657,624
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   26,323,507 707,241 SH   SOLE   0 0 707,241
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   21,735,373 632,578 SH   SOLE   0 0 632,578
ISHARES TR SHRT NAT MUN ETF 464288158   17,836,701 169,181 SH   SOLE   0 0 169,181
MANAGER DIRECTED PORTFOLIOS VERT GLB SUST RE 56170L695   17,581,471 1,765,208 SH   SOLE   0 0 1,765,208
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   17,260,732 538,857 SH   SOLE   0 0 538,857
APPLE INC COM 037833100   17,231,855 89,521 SH   SOLE   0 0 89,521
AMERICAN CENTY ETF TR AVANTIS RESPON U 025072281   15,892,511 282,835 SH   SOLE   0 0 282,835
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   13,846,032 572,860 SH   SOLE   0 0 572,860
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   13,238,283 379,756 SH   SOLE   0 0 379,756
AMERICAN CENTY ETF TR SUSTAINABLE EQTY 025072752   13,047,834 219,824 SH   SOLE   0 0 219,824
ISHARES TR MSCI USA VALUE 46432F388   11,238,592 111,097 SH   SOLE   0 0 111,097
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   11,178,211 258,098 SH   SOLE   0 0 258,098
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   8,481,264 90,276 SH   SOLE   0 0 90,276
ISHARES TR CORE S&P500 ETF 464287200   8,085,679 16,929 SH   SOLE   0 0 16,929
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   7,440,911 235,286 SH   SOLE   0 0 235,286
VANGUARD BD INDEX FDS INTERMED TERM 921937819   7,169,185 93,862 SH   SOLE   0 0 93,862
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   7,100,396 113,625 SH   SOLE   0 0 113,625
ISHARES TR S&P MC 400VL ETF 464287705   7,035,470 61,693 SH   SOLE   0 0 61,693
AMAZON COM INC COM 023135106   6,915,777 45,515 SH   SOLE   0 0 45,515
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   6,737,174 119,475 SH   SOLE   0 0 119,475
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   6,518,079 162,708 SH   SOLE   0 0 162,708
VANGUARD INDEX FDS LARGE CAP ETF 922908637   6,486,027 29,732 SH   SOLE   0 0 29,732
ISHARES TR IBOXX HI YD ETF 464288513   6,349,274 82,043 SH   SOLE   0 0 82,043
SPDR SER TR BLOOMBERG HIGH Y 78468R622   6,343,350 66,962 SH   SOLE   0 0 66,962
SPDR SER TR PRTFLO S&P500 VL 78464A508   6,289,544 134,882 SH   SOLE   0 0 134,882
ISHARES TR 20 YR TR BD ETF 464287432   6,219,731 62,902 SH   SOLE   0 0 62,902
PIMCO ETF TR ACTIVE BD ETF 72201R775   5,997,255 64,826 SH   SOLE   0 0 64,826
ISHARES TR 3 7 YR TREAS BD 464288661   5,903,484 50,401 SH   SOLE   0 0 50,401
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   5,886,461 35,801 SH   SOLE   0 0 35,801
ISHARES TR MSCI INTL VLU FT 46435G409   5,877,423 221,706 SH   SOLE   0 0 221,706
SCHWAB STRATEGIC TR US TIPS ETF 808524870   5,870,692 112,465 SH   SOLE   0 0 112,465
ISHARES TR CORE S&P SCP ETF 464287804   5,702,976 52,683 SH   SOLE   0 0 52,683
NVIDIA CORPORATION COM 67066G104   5,548,894 11,204 SH   SOLE   0 0 11,204
COSTCO WHSL CORP NEW COM 22160K105   5,300,477 7,868 SH   SOLE   0 0 7,868
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,176,076 152,193 SH   SOLE   0 0 152,193
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,024,700 141,901 SH   SOLE   0 0 141,901
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   4,971,698 43,221 SH   SOLE   0 0 43,221
ISHARES TR MRNING SM CP ETF 464288703   4,865,998 82,182 SH   SOLE   0 0 82,182
ISHARES TR EAFE VALUE ETF 464288877   4,751,582 91,201 SH   SOLE   0 0 91,201
ISHARES TR EAFE SML CP ETF 464288273   4,377,940 70,726 SH   SOLE   0 0 70,726
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   4,288,981 100,704 SH   SOLE   0 0 100,704
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   4,247,538 63,882 SH   SOLE   0 0 63,882
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   4,155,494 127,940 SH   SOLE   0 0 127,940
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072299   3,863,877 71,707 SH   SOLE   0 0 71,707
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,566,812 8,166 SH   SOLE   0 0 8,166
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,398,777 60,262 SH   SOLE   0 0 60,262
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,940,906 12,397 SH   SOLE   0 0 12,397
ISHARES TR RUSSELL 2000 ETF 464287655   2,901,743 14,457 SH   SOLE   0 0 14,457
TESLA INC COM 88160R101   2,812,516 11,319 SH   SOLE   0 0 11,319
ISHARES TR GLOBAL REIT ETF 46434V647   2,771,041 114,601 SH   SOLE   0 0 114,601
ISHARES TR 0-3 MNTH TREASRY 46436E718   2,723,489 27,162 SH   SOLE   0 0 27,162
J P MORGAN EXCHANGE TRADED F BETABUILDERS I 46641Q373   2,421,120 42,528 SH   SOLE   0 0 42,528
ISHARES TR RUS 1000 GRW ETF 464287614   2,381,298 7,855 SH   SOLE   0 0 7,855
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   2,307,278 94,483 SH   SOLE   0 0 94,483
BANNER CORP COM NEW 06652V208   2,264,464 42,279 SH   SOLE   0 0 42,279
ALPHABET INC CAP STK CL C 02079K107   2,104,276 14,931 SH   SOLE   0 0 14,931
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   2,100,033 62,260 SH   SOLE   0 0 62,260
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   2,095,002 24,491 SH   SOLE   0 0 24,491
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   2,018,080 35,744 SH   SOLE   0 0 35,744
GOLDMAN SACHS PHYSICAL GOLD UNIT 38150K103   2,000,322 97,887 SH   SOLE   0 0 97,887
NVIDIA CORPORATION PUT 67066G104   1,981,040 4,000 PRN Put SOLE   0 0 4,000
INVESCO QQQ TR UNIT SER 1 46090E107   1,909,894 4,661 SH   SOLE   0 0 4,661
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,896,977 27,061 SH   SOLE   0 0 27,061
JOHN HANCOCK EXCHANGE TRADED MULTFCTR EMRNG 47804J834   1,888,141 74,249 SH   SOLE   0 0 74,249
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,665,346 3,493 SH   SOLE   0 0 3,493
ISHARES TR ESG SCRND S&P SM 46436E544   1,553,948 40,618 SH   SOLE   0 0 40,618
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,367,109 33,263 SH   SOLE   0 0 33,263
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,357,687 26,195 SH   SOLE   0 0 26,195
STARBUCKS CORP COM 855244109   1,325,286 13,804 SH   SOLE   0 0 13,804
ISHARES TR CALIF MUN BD ETF 464288356   1,263,150 21,801 SH   SOLE   0 0 21,801
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   1,242,320 20,558 SH   SOLE   0 0 20,558
META PLATFORMS INC CL A 30303M102   1,197,987 3,384 SH   SOLE   0 0 3,384
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,117,170 23,323 SH   SOLE   0 0 23,323
VANGUARD INDEX FDS VALUE ETF 922908744   1,116,300 7,467 SH   SOLE   0 0 7,467
ARK ETF TR INNOVATION ETF 00214Q104   1,082,736 20,675 SH   SOLE   0 0 20,675
EXXON MOBIL CORP COM 30231G102   1,051,490 10,517 SH   SOLE   0 0 10,517
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,022,204 13,272 SH   SOLE   0 0 13,272
PROCTER AND GAMBLE CO COM 742718109   987,741 6,740 SH   SOLE   0 0 6,740
JOHNSON & JOHNSON COM 478160104   986,522 6,294 SH   SOLE   0 0 6,294
ISHARES TR CORE S&P TTL STK 464287150   977,272 9,287 SH   SOLE   0 0 9,287
FRANKLIN TEMPLETON ETF TR FTSE BRAZIL 35473P835   927,696 44,285 SH   SOLE   0 0 44,285
GRAINGER W W INC COM 384802104   924,819 1,116 SH   SOLE   0 0 1,116
WALMART INC COM 931142103   897,599 5,674 SH   SOLE   0 0 5,674
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   887,202 14,956 SH   SOLE   0 0 14,956
NIKE INC CL B 654106103   878,450 8,066 SH   SOLE   0 0 8,066
VANECK ETF TRUST EMERGING MRKT HI 92189F353   875,653 47,307 SH   SOLE   0 0 47,307
UNITED FIRE GROUP INC COM 910340108   871,901 43,335 SH   SOLE   0 0 43,335
GLOBAL X FDS ADAPTIVE US 37954Y574   870,621 23,416 SH   SOLE   0 0 23,416
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498   867,856 15,318 SH   SOLE   0 0 15,318
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532   866,567 41,236 SH   SOLE   0 0 41,236
DANAHER CORPORATION COM 235851102   843,203 3,641 SH   SOLE   0 0 3,641
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   832,687 14,832 SH   SOLE   0 0 14,832
CHEVRON CORP NEW COM 166764100   824,557 5,528 SH   SOLE   0 0 5,528
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   807,516 15,686 SH   SOLE   0 0 15,686
VANGUARD WORLD FD ESG INTL STK ETF 921910725   801,505 14,499 SH   SOLE   0 0 14,499
ALPHABET INC CAP STK CL A 02079K305   775,670 5,552 SH   SOLE   0 0 5,552
VANGUARD WORLD FD MEGA CAP INDEX 921910873   774,287 4,574 SH   SOLE   0 0 4,574
ISHARES TR CORE MSCI EAFE 46432F842   768,926 10,930 SH   SOLE   0 0 10,930
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   710,572 12,764 SH   SOLE   0 0 12,764
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072315   677,090 14,119 SH   SOLE   0 0 14,119
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   637,601 13,426 SH   SOLE   0 0 13,426
UNITEDHEALTH GROUP INC COM 91324P102   612,812 1,164 SH   SOLE   0 0 1,164
ARES CAPITAL CORP COM 04010L103   604,663 30,188 SH   SOLE   0 0 30,188
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   594,808 9,977 SH   SOLE   0 0 9,977
ISHARES TR CORE S&P MCP ETF 464287507   591,993 2,136 SH   SOLE   0 0 2,136
INTEL CORP COM 458140100   568,730 11,318 SH   SOLE   0 0 11,318
ISHARES INC EM MKT SM-CP ETF 464286475   556,133 9,620 SH   SOLE   0 0 9,620
PACCAR INC COM 693718108   544,292 5,416 SH   SOLE   0 0 5,416
AUTOMATIC DATA PROCESSING IN COM 053015103   539,181 2,301 SH   SOLE   0 0 2,301
COLGATE PALMOLIVE CO COM 194162103   537,724 6,746 SH   SOLE   0 0 6,746
ISHARES TR CORE HIGH DV ETF 46429B663   530,348 5,200 SH   SOLE   0 0 5,200
ISHARES TR U S EQUITY FACTR 46434V282   522,507 10,820 SH   SOLE   0 0 10,820
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   522,276 3,065 SH   SOLE   0 0 3,065
BOEING CO COM 097023105   522,211 2,003 SH   SOLE   0 0 2,003
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   520,880 5,895 SH   SOLE   0 0 5,895
ABBVIE INC COM 00287Y109   512,523 3,307 SH   SOLE   0 0 3,307
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   500,180 13,533 SH   SOLE   0 0 13,533
ISHARES TR MODERT ALLOC ETF 464289875   472,924 11,393 SH   SOLE   0 0 11,393
VANGUARD INDEX FDS SMALL CP ETF 922908751   471,319 2,209 SH   SOLE   0 0 2,209
MERCK & CO INC COM 58933Y105   464,281 4,232 SH   SOLE   0 0 4,232
AMGEN INC COM 031162100   459,974 1,597 SH   SOLE   0 0 1,597
JPMORGAN CHASE & CO COM 46625H100   459,611 2,702 SH   SOLE   0 0 2,702
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   428,371 9,240 SH   SOLE   0 0 9,240
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   422,747 2,679 SH   SOLE   0 0 2,679
PFIZER INC COM 717081103   419,844 14,583 SH   SOLE   0 0 14,583
HOME DEPOT INC COM 437076102   406,406 1,173 SH   SOLE   0 0 1,173
ISHARES TR MSCI GBL SUS DEV 46435G532   405,494 5,003 SH   SOLE   0 0 5,003
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   402,963 4,748 SH   SOLE   0 0 4,748
DISNEY WALT CO COM 254687106   388,346 4,294 SH   SOLE   0 0 4,294
ORACLE CORP COM 68389X105   387,561 3,676 SH   SOLE   0 0 3,676
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   386,072 3,753 SH   SOLE   0 0 3,753
MCDONALDS CORP COM 580135101   385,760 1,301 SH   SOLE   0 0 1,301
VISA INC COM CL A 92826C839   361,341 1,388 SH   SOLE   0 0 1,388
SPDR SER TR S&P SEMICNDCTR 78464A862   347,851 1,547 SH   SOLE   0 0 1,547
ISHARES TR ESG SCRND S&P500 46436E569   346,539 9,524 SH   SOLE   0 0 9,524
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   331,536 651 SH   SOLE   0 0 651
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   330,252 4,338 SH   SOLE   0 0 4,338
COLUMBIA BKG SYS INC COM 197236102   327,257 12,266 SH   SOLE   0 0 12,266
ISHARES TR NEW YORK MUN ETF 464288323   326,325 6,033 SH   SOLE   0 0 6,033
PEPSICO INC COM 713448108   319,080 1,872 SH   SOLE   0 0 1,872
AMERICAN CENTY ETF TR US EQT ETF 025072885   309,028 3,789 SH   SOLE   0 0 3,789
NETFLIX INC COM 64110L106   308,196 633 SH   SOLE   0 0 633
ISHARES TR MSCI USA MIN VOL 46429B697   301,118 3,859 SH   SOLE   0 0 3,859
3M CO COM 88579Y101   298,007 2,726 SH   SOLE   0 0 2,726
VERIZON COMMUNICATIONS INC COM 92343V104   292,289 7,753 SH   SOLE   0 0 7,753
COCA COLA CO COM 191216100   287,049 4,871 SH   SOLE   0 0 4,871
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   285,662 2,559 SH   SOLE   0 0 2,559
BROADCOM INC COM 11135F101   279,063 250 SH   SOLE   0 0 250
INTERNATIONAL BUSINESS MACHS COM 459200101   277,265 1,695 SH   SOLE   0 0 1,695
CANADIAN PACIFIC KANSAS CITY COM 13646K108   273,244 3,450 SH   SOLE   0 0 3,450
ISHARES TR RUS 1000 VAL ETF 464287598   269,005 1,628 SH   SOLE   0 0 1,628
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   268,479 7,695 SH   SOLE   0 0 7,695
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   265,518 4,193 SH   SOLE   0 0 4,193
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   250,585 3,999 SH   SOLE   0 0 3,999
HONEYWELL INTL INC COM 438516106   243,684 1,162 SH   SOLE   0 0 1,162
AMERICAN EXPRESS CO COM 025816109   239,046 1,276 SH   SOLE   0 0 1,276
ROCKWELL AUTOMATION INC COM 773903109   238,139 767 SH   SOLE   0 0 767
SOUTHERN CO COM 842587107   237,637 3,389 SH   SOLE   0 0 3,389
WASTE MGMT INC DEL COM 94106L109   230,502 1,287 SH   SOLE   0 0 1,287
SELECT SECTOR SPDR TR ENERGY 81369Y506   227,139 2,709 SH   SOLE   0 0 2,709
APPLIED MATLS INC COM 038222105   216,202 1,334 SH   SOLE   0 0 1,334
ISHARES TR MSCI EAFE ETF 464287465   208,809 2,771 SH   SOLE   0 0 2,771
ISHARES GOLD TR ISHARES NEW 464285204   208,030 5,330 SH   SOLE   0 0 5,330
NOVO-NORDISK A S ADR 670100205   205,954 1,991 SH   SOLE   0 0 1,991
AT&T INC COM 00206R102   204,807 12,205 SH   SOLE   0 0 12,205
GENERAL ELECTRIC CO COM NEW 369604301   204,244 1,600 SH   SOLE   0 0 1,600
COMCAST CORP NEW CL A 20030N101   202,938 4,628 SH   SOLE   0 0 4,628
BLOCK INC CL A 852234103   202,812 2,622 SH   SOLE   0 0 2,622
ISHARES TR GL CLEAN ENE ETF 464288224   174,490 11,207 SH   SOLE   0 0 11,207
BANCO SANTANDER S.A. ADR 05964H105   110,717 26,743 SH   SOLE   0 0 26,743
HEALTH CATALYST INC COM 42225T107   92,600 10,000 SH   SOLE   0 0 10,000
TCW STRATEGIC INCOME FD INC COM 872340104   47,721 10,075 SH   SOLE   0 0 10,075
ABRDN ASIA PACIFIC INCOME FU COM 003009107   37,121 13,610 SH   SOLE   0 0 13,610
CHROMADEX CORP COM NEW 171077407   16,874 11,800 SH   SOLE   0 0 11,800