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
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 1,038 6,729 SH   SOLE 0 0 0 6,729
ADVANCED MICRO DEVICES INC COM 007903107 266 2,674 SH   SOLE 0 0 0 2,674
ALPHABET INC CAP STK CL A 02079K305 758 310 SH   SOLE 0 0 0 310
ALPHABET INC CAP STK CL C 02079K107 636 260 SH   SOLE 0 0 0 260
AMAZON COM INC COM 023135106 1,439 571 SH   SOLE 0 0 0 571
AMEREN CORP COM 023608102 314 3,350 SH   SOLE 0 0 0 3,350
APPLE INC COM 037833100 12,437 74,910 SH   SOLE 0 0 0 74,910
APPLIED MATLS INC COM 038222105 772 6,500 SH   SOLE 0 0 0 6,500
AT&T INC COM 00206R102 238 11,953 SH   SOLE 0 0 0 11,953
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,065 3,259 SH   SOLE 0 0 0 3,259
BK OF AMERICA CORP COM 060505104 221 5,711 SH   SOLE 0 0 0 5,711
BLACKROCK CR ALLOCATION INCO COM 092508100 181 15,611 SH   SOLE 0 0 0 15,611
BOOKING HOLDINGS INC COM 09857L108 271 129 SH   SOLE 0 0 0 129
CHEVRON CORP NEW COM 166764100 550 3,283 SH   SOLE 0 0 0 3,283
CO-DIAGNOSTICS INC COM 189763105 188 40,375 SH   SOLE 0 0 0 40,375
COHEN & STEERS SELECT PFD & COM 19248Y107 537 24,500 SH   SOLE 0 0 0 24,500
CONOCOPHILLIPS COM 20825C104 375 3,606 SH   SOLE 0 0 0 3,606
COSTCO WHSL CORP NEW COM 22160K105 918 1,686 SH   SOLE 0 0 0 1,686
DANAHER CORPORATION COM 235851102 286 1,116 SH   SOLE 0 0 0 1,116
DELTA AIR LINES INC DEL COM NEW 247361702 265 6,034 SH   SOLE 0 0 0 6,034
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 3,221 127,613 SH   SOLE 0 0 0 127,613
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 1,644 30,284 SH   SOLE 0 0 0 30,284
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 1,943 64,611 SH   SOLE 0 0 0 64,611
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 403 12,332 SH   SOLE 0 0 0 12,332
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 7,213 267,559 SH   SOLE 0 0 0 267,559
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 4,592 173,090 SH   SOLE 0 0 0 173,090
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 2,062 86,112 SH   SOLE 0 0 0 86,112
DISNEY WALT CO COM 254687106 396 3,407 SH   SOLE 0 0 0 3,407
DOMINION ENERGY INC COM 25746U109 415 5,033 SH   SOLE 0 0 0 5,033
ENTERPRISE PRODS PARTNERS L COM 293792107 280 10,400 SH   SOLE 0 0 0 10,400
EXPEDITORS INTL WASH INC COM 302130109 519 4,681 SH   SOLE 0 0 0 4,681
EXTRA SPACE STORAGE INC COM 30225T102 2,191 11,202 SH   SOLE 0 0 0 11,202
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 207 1,814 SH   SOLE 0 0 0 1,814
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 4,654 150,029 SH   SOLE 0 0 0 150,029
GLOBAL X FDS GLOBAL X SILVER 37954Y848 295 8,700 SH   SOLE 0 0 0 8,700
GOLDMAN SACHS BDC INC SHS 38147U107 192 10,012 SH   SOLE 0 0 0 10,012
HEALTHEQUITY INC COM 42226A107 4,120 65,188 SH   SOLE 0 0 0 65,188
HOME DEPOT INC COM 437076102 309 981 SH   SOLE 0 0 0 981
HUNTSMAN CORP COM 447011107 671 18,871 SH   SOLE 0 0 0 18,871
INTEL CORP COM 458140100 562 12,077 SH   SOLE 0 0 0 12,077
INTERNATIONAL BUSINESS MACHS COM 459200101 210 1,527 SH   SOLE 0 0 0 1,527
INVESCO QQQ TR UNIT SER 1 46090E103 764 2,318 SH   SOLE 0 0 0 2,318
ISHARES INC ESG AWR MSCI EM 46434G863 997 28,644 SH   SOLE 0 0 0 28,644
ISHARES INC CORE MSCI EMKT 46434G103 4,372 82,292 SH   SOLE 0 0 0 82,292
ISHARES INC MSCI EMERG MRKT 464286533 6,402 107,963 SH   SOLE 0 0 0 107,963
ISHARES TR CORE MSCI TOTAL 46432F834 6,128 96,450 SH   SOLE 0 0 0 96,450
ISHARES TR ESG AW MSCI EAFE 46435G516 345 4,889 SH   SOLE 0 0 0 4,889
ISHARES TR CORE S&P SCP ETF 464287804 6,133 59,090 SH   SOLE 0 0 0 59,090
ISHARES TR CORE DIV GRWTH 46434V621 8,460 161,552 SH   SOLE 0 0 0 161,552
ISHARES TR ESG ADV TTL USD 46436E619 394 8,823 SH   SOLE 0 0 0 8,823
ISHARES TR MSCI EAFE MIN VL 46429B689 5,767 83,236 SH   SOLE 0 0 0 83,236
ISHARES TR SP SMCP600VL ETF 464287879 2,932 29,416 SH   SOLE 0 0 0 29,416
ISHARES TR U.S. TECH ETF 464287721 2,244 23,633 SH   SOLE 0 0 0 23,633
ISHARES TR MSCI USA VALUE 46432F388 3,164 30,536 SH   SOLE 0 0 0 30,536
ISHARES TR EAFE SML CP ETF 464288273 2,140 34,225 SH   SOLE 0 0 0 34,225
ISHARES TR MSCI USA QLT FCT 46432F339 375 2,908 SH   SOLE 0 0 0 2,908
ISHARES TR U.S. MED DVC ETF 464288810 509 9,042 SH   SOLE 0 0 0 9,042
ISHARES TR MSCI USA MIN VOL 46429B697 3,261 43,420 SH   SOLE 0 0 0 43,420
ISHARES TR 0-5 YR TIPS ETF 46429B747 789 7,621 SH   SOLE 0 0 0 7,621
ISHARES TR ESG MSCI USA ETF 46436E767 435 12,869 SH   SOLE 0 0 0 12,869
ISHARES TR NATIONAL MUN ETF 464288414 1,959 18,412 SH   SOLE 0 0 0 18,412
ISHARES TR SHRT NAT MUN ETF 464288158 1,692 16,310 SH   SOLE 0 0 0 16,310
ISHARES TR ESG AWR MSCI USA 46435G425 27,642 288,356 SH   SOLE 0 0 0 288,356
ISHARES TR CORE US AGGBD ET 464287226 894 8,678 SH   SOLE 0 0 0 8,678
ISHARES TR MICRO-CAP ETF 464288869 1,951 16,258 SH   SOLE 0 0 0 16,258
ISHARES TR MSCI EMG MKT ETF 464287234 514 11,922 SH   SOLE 0 0 0 11,922
ISHARES TR BLACKROCK ULTRA 46434V878 2,625 52,419 SH   SOLE 0 0 0 52,419
ISHARES TR CORE MSCI INTL 46435G326 554 9,137 SH   SOLE 0 0 0 9,137
ISHARES TR USD INV GRDE ETF 464288620 383 7,318 SH   SOLE 0 0 0 7,318
ISHARES TR CORE S&P TTL STK 464287150 20,878 218,340 SH   SOLE 0 0 0 218,340
ISHARES TR CORE S&P MCP ETF 464287507 7,134 27,408 SH   SOLE 0 0 0 27,408
ISHARES TR CORE MSCI EAFE 46432F842 17,291 261,390 SH   SOLE 0 0 0 261,390
ISHARES TR S&P 500 VAL ETF 464287408 629 4,116 SH   SOLE 0 0 0 4,116
ISHARES TR MSCI EAFE ETF 464287465 1,147 16,342 SH   SOLE 0 0 0 16,342
ISHARES TR EAFE VALUE ETF 464288877 10,230 209,410 SH   SOLE 0 0 0 209,410
ISHARES TR ISHS 1-5YR INVS 464288646 1,691 33,126 SH   SOLE 0 0 0 33,126
ISHARES TR U.S. REAL ES ETF 464287739 287 2,765 SH   SOLE 0 0 0 2,765
ISHARES TR MSCI USA MMENTM 46432F396 1,275 8,229 SH   SOLE 0 0 0 8,229
ISHARES TR CORE S&P500 ETF 464287200 65,163 151,280 SH   SOLE 0 0 0 151,280
ISHARES TR GLOBAL TECH ETF 464287291 361 6,695 SH   SOLE 0 0 0 6,695
ISHARES TR EAFE GRWTH ETF 464288885 6,476 72,106 SH   SOLE 0 0 0 72,106
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 205 4,137 SH   SOLE 0 0 0 4,137
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 2,855 66,853 SH   SOLE 0 0 0 66,853
JOHNSON & JOHNSON COM 478160104 670 3,720 SH   SOLE 0 0 0 3,720
LILLY ELI & CO COM 532457108 264 895 SH   SOLE 0 0 0 895
LOWES COS INC COM 548661107 202 976 SH   SOLE 0 0 0 976
LULULEMON ATHLETICA INC COM 550021109 351 963 SH   SOLE 0 0 0 963
MASTERCARD INCORPORATED CL A 57636Q104 732 1,987 SH   SOLE 0 0 0 1,987
MCDONALDS CORP COM 580135101 403 1,585 SH   SOLE 0 0 0 1,585
MEDTRONIC PLC SHS G5960L103 291 2,749 SH   SOLE 0 0 0 2,749
MERCK & CO INC COM 58933Y105 385 4,345 SH   SOLE 0 0 0 4,345
META PLATFORMS INC CL A 30303M102 620 2,773 SH   SOLE 0 0 0 2,773
MICROSOFT CORP COM 594918104 4,099 14,134 SH   SOLE 0 0 0 14,134
NORTHWESTERN CORP COM NEW 668074305 325 5,500 SH   SOLE 0 0 0 5,500
NOVARTIS AG SPONSORED ADR 66987V109 267 3,029 SH   SOLE 0 0 0 3,029
NUVEEN AMT FREE MUN CR INC F COM 67071L106 369 26,822 SH   SOLE 0 0 0 26,822
NUVEEN PFD & INCOME TERM FD COM 67075A106 513 24,500 SH   SOLE 0 0 0 24,500
NVIDIA CORPORATION COM 67066G104 574 2,821 SH   SOLE 0 0 0 2,821
PAYPAL HLDGS INC COM 70450Y103 318 3,433 SH   SOLE 0 0 0 3,433
PCM FD INC COM 69323T101 365 34,500 SH   SOLE 0 0 0 34,500
PEPSICO INC COM 713448108 1,146 6,591 SH   SOLE 0 0 0 6,591
PFIZER INC COM 717081103 485 9,758 SH   SOLE 0 0 0 9,758
PIMCO ETF TR ACTIVE BD ETF 72201R775 687 7,017 SH   SOLE 0 0 0 7,017
PINNACLE FINL PARTNERS INC COM 72346Q104 307 3,766 SH   SOLE 0 0 0 3,766
PROCTER AND GAMBLE CO COM 742718109 460 2,923 SH   SOLE 0 0 0 2,923
PUBLIC STORAGE COM 74460D109 288 812 SH   SOLE 0 0 0 812
QUALCOMM INC COM 747525103 318 2,132 SH   SOLE 0 0 0 2,132
RAYTHEON TECHNOLOGIES CORP COM 75513E101 256 2,623 SH   SOLE 0 0 0 2,623
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 566 11,102 SH   SOLE 0 0 0 11,102
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,181 27,671 SH   SOLE 0 0 0 27,671
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 291 10,877 SH   SOLE 0 0 0 10,877
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,843 85,328 SH   SOLE 0 0 0 85,328
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 344 6,798 SH   SOLE 0 0 0 6,798
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 375 5,363 SH   SOLE 0 0 0 5,363
SECURITY NATL FINL CORP CL A NEW 814785309 304 31,547 SH   SOLE 0 0 0 31,547
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,564 43,600 SH   SOLE 0 0 0 43,600
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 246 1,649 SH   SOLE 0 0 0 1,649
SERVICENOW INC COM 81762P102 618 1,237 SH   SOLE 0 0 0 1,237
SPDR GOLD TR GOLD SHS 78463V107 252 1,433 SH   SOLE 0 0 0 1,433
SPDR S&P 500 ETF TR TR UNIT 78462F103 502 1,171 SH   SOLE 0 0 0 1,171
SPDR SER TR NUVEEN BLMBRG SH 78468R739 300 6,432 SH   SOLE 0 0 0 6,432
SPDR SER TR S&P 600 SMCP VAL 78464A300 247 3,045 SH   SOLE 0 0 0 3,045
SPDR SER TR PORTFLI INTRMDIT 78464A672 215 7,265 SH   SOLE 0 0 0 7,265
SPDR SER TR NUVEEN BLMBRG MU 78468R721 202 4,388 SH   SOLE 0 0 0 4,388
SPDR SER TR PORTFOLIO S&P500 78464A854 30,549 605,418 SH   SOLE 0 0 0 605,418
STARBUCKS CORP COM 855244109 228 2,787 SH   SOLE 0 0 0 2,787
STRYKER CORPORATION COM 863667101 320 1,300 SH   SOLE 0 0 0 1,300
SYNLOGIC INC COM 87166L100 30 17,302 SH   SOLE 0 0 0 17,302
TC ENERGY CORP COM 87807B107 255 4,550 SH   SOLE 0 0 0 4,550
TELEDYNE TECHNOLOGIES INC COM 879360105 745 1,741 SH   SOLE 0 0 0 1,741
TESLA INC COM 88160R101 1,488 1,562 SH   SOLE 0 0 0 1,562
THERMO FISHER SCIENTIFIC INC COM 883556102 303 539 SH   SOLE 0 0 0 539
TRIMBLE INC COM 896239100 429 6,138 SH   SOLE 0 0 0 6,138
UNILEVER PLC SPON ADR NEW 904767704 201 4,387 SH   SOLE 0 0 0 4,387
UNION PAC CORP COM 907818108 1,509 6,364 SH   SOLE 0 0 0 6,364
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 484 6,347 SH   SOLE 0 0 0 6,347
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,949 28,391 SH   SOLE 0 0 0 28,391
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,881 4,771 SH   SOLE 0 0 0 4,771
VANGUARD INDEX FDS LARGE CAP ETF 922908637 843 4,284 SH   SOLE 0 0 0 4,284
VANGUARD INDEX FDS MID CAP ETF 922908629 309 1,361 SH   SOLE 0 0 0 1,361
VANGUARD INDEX FDS VALUE ETF 922908744 1,401 9,609 SH   SOLE 0 0 0 9,609
VANGUARD INDEX FDS SM CP VAL ETF 922908611 900 5,218 SH   SOLE 0 0 0 5,218
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 403 9,125 SH   SOLE 0 0 0 9,125
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 211 1,332 SH   SOLE 0 0 0 1,332
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 624 13,629 SH   SOLE 0 0 0 13,629
VANGUARD WELLINGTON FD US MOMENTUM 921935508 226 1,858 SH   SOLE 0 0 0 1,858
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 932 9,092 SH   SOLE 0 0 0 9,092
VANGUARD WORLD FD MEGA CAP INDEX 921910873 4,121 27,478 SH   SOLE 0 0 0 27,478
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,198 3,099 SH   SOLE 0 0 0 3,099
VERIZON COMMUNICATIONS INC COM 92343V104 205 4,230 SH   SOLE 0 0 0 4,230
VISA INC COM CL A 92826C839 562 2,621 SH   SOLE 0 0 0 2,621
WALMART INC COM 931142103 547 3,538 SH   SOLE 0 0 0 3,538
WELLS FARGO CO NEW COM 949746101 246 5,353 SH   SOLE 0 0 0 5,353
WISDOMTREE TR EM EX ST-OWNED 97717X578 4,478 144,971 SH   SOLE 0 0 0 144,971
WP CAREY INC COM 92936U109 385 4,831 SH   SOLE 0 0 0 4,831
ZIONS BANCORPORATION N A COM 989701107 598 10,052 SH   SOLE 0 0 0 10,052