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 970 6,764 SH   SOLE 0 0 0 6,764
ADVANCED MICRO DEVICES INC COM 007903107 259 2,674 SH   SOLE 0 0 0 2,674
ALPHABET INC CAP STK CL C 02079K107 609 5,271 SH   SOLE 0 0 0 5,271
ALPHABET INC CAP STK CL A 02079K305 712 6,200 SH   SOLE 0 0 0 6,200
AMAZON COM INC COM 023135106 1,612 11,904 SH   SOLE 0 0 0 11,904
AMEREN CORP COM 023608102 312 3,350 SH   SOLE 0 0 0 3,350
APPLE INC COM 037833100 12,141 75,170 SH   SOLE 0 0 0 75,170
APPLIED MATLS INC COM 038222105 330 3,099 SH   SOLE 0 0 0 3,099
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 984 3,325 SH   SOLE 0 0 0 3,325
BLACKROCK CR ALLOCATION INCO COM 092508100 147 12,839 SH   SOLE 0 0 0 12,839
BOEING CO COM 097023105 209 1,234 SH   SOLE 0 0 0 1,234
BOOKING HOLDINGS INC COM 09857L108 246 129 SH   SOLE 0 0 0 129
CHEVRON CORP NEW COM 166764100 450 2,800 SH   SOLE 0 0 0 2,800
CO-DIAGNOSTICS INC COM 189763105 188 28,376 SH   SOLE 0 0 0 28,376
COHEN & STEERS SELECT PFD & COM 19248Y107 325 14,833 SH   SOLE 0 0 0 14,833
CONOCOPHILLIPS COM 20825C104 271 2,851 SH   SOLE 0 0 0 2,851
COSTCO WHSL CORP NEW COM 22160K105 908 1,661 SH   SOLE 0 0 0 1,661
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 2,825 98,176 SH   SOLE 0 0 0 98,176
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 3,463 151,160 SH   SOLE 0 0 0 151,160
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,765 52,004 SH   SOLE 0 0 0 52,004
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 4,385 172,976 SH   SOLE 0 0 0 172,976
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1,910 86,316 SH   SOLE 0 0 0 86,316
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 7,770 306,276 SH   SOLE 0 0 0 306,276
DISNEY WALT CO COM 254687106 400 3,766 SH   SOLE 0 0 0 3,766
DOMINION ENERGY INC COM 25746U109 294 3,560 SH   SOLE 0 0 0 3,560
DUKE REALTY CORP COM NEW 264411505 216 3,500 SH   SOLE 0 0 0 3,500
ENTERPRISE PRODS PARTNERS L COM 293792107 239 8,981 SH   SOLE 0 0 0 8,981
EXPEDITORS INTL WASH INC COM 302130109 498 4,681 SH   SOLE 0 0 0 4,681
EXTRA SPACE STORAGE INC COM 30225T102 2,011 10,639 SH   SOLE 0 0 0 10,639
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 226 2,065 SH   SOLE 0 0 0 2,065
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 4,029 137,558 SH   SOLE 0 0 0 137,558
GLOBAL X FDS GLOBAL X SILVER 37954Y848 230 8,700 SH   SOLE 0 0 0 8,700
HEALTHEQUITY INC COM 42226A107 3,710 65,029 SH   SOLE 0 0 0 65,029
HOME DEPOT INC COM 437076102 301 984 SH   SOLE 0 0 0 984
HUNTSMAN CORP COM 447011107 532 18,294 SH   SOLE 0 0 0 18,294
INTEL CORP COM 458140100 397 10,737 SH   SOLE 0 0 0 10,737
INTERNATIONAL BUSINESS MACHS COM 459200101 202 1,528 SH   SOLE 0 0 0 1,528
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 4,938 211,036 SH   SOLE 0 0 0 211,036
INVESCO QQQ TR UNIT SER 1 46090E103 667 2,116 SH   SOLE 0 0 0 2,116
ISHARES INC CORE MSCI EMKT 46434G103 3,547 72,919 SH   SOLE 0 0 0 72,919
ISHARES INC ESG AWR MSCI EM 46434G863 1,213 38,239 SH   SOLE 0 0 0 38,239
ISHARES INC MSCI EMERG MRKT 464286533 5,318 95,558 SH   SOLE 0 0 0 95,558
ISHARES TR MSCI USA VALUE 46432F388 910 9,478 SH   SOLE 0 0 0 9,478
ISHARES TR ESG ADV TTL USD 46436E619 406 9,005 SH   SOLE 0 0 0 9,005
ISHARES TR MSCI EAFE MIN VL 46429B689 4,742 71,940 SH   SOLE 0 0 0 71,940
ISHARES TR SP SMCP600VL ETF 464287879 2,358 24,304 SH   SOLE 0 0 0 24,304
ISHARES TR CORE MSCI TOTAL 46432F834 5,713 96,664 SH   SOLE 0 0 0 96,664
ISHARES TR CORE S&P SCP ETF 464287804 7,810 76,645 SH   SOLE 0 0 0 76,645
ISHARES TR CORE DIV GRWTH 46434V621 7,879 155,707 SH   SOLE 0 0 0 155,707
ISHARES TR CORE S&P TTL STK 464287150 17,793 194,885 SH   SOLE 0 0 0 194,885
ISHARES TR NATIONAL MUN ETF 464288414 1,349 12,432 SH   SOLE 0 0 0 12,432
ISHARES TR ESG MSCI USA ETF 46436E767 413 12,676 SH   SOLE 0 0 0 12,676
ISHARES TR SHRT NAT MUN ETF 464288158 1,511 14,334 SH   SOLE 0 0 0 14,334
ISHARES TR 0-5 YR TIPS ETF 46429B747 960 9,431 SH   SOLE 0 0 0 9,431
ISHARES TR MSCI USA MIN VOL 46429B697 3,781 51,397 SH   SOLE 0 0 0 51,397
ISHARES TR EAFE SML CP ETF 464288273 1,757 30,146 SH   SOLE 0 0 0 30,146
ISHARES TR ESG AW MSCI EAFE 46435G516 334 5,037 SH   SOLE 0 0 0 5,037
ISHARES TR MSCI USA QLT FCT 46432F339 413 3,395 SH   SOLE 0 0 0 3,395
ISHARES TR U.S. MED DVC ETF 464288810 524 9,753 SH   SOLE 0 0 0 9,753
ISHARES TR CORE US AGGBD ET 464287226 917 8,799 SH   SOLE 0 0 0 8,799
ISHARES TR ESG AWR MSCI USA 46435G425 24,377 265,980 SH   SOLE 0 0 0 265,980
ISHARES TR CORE MSCI INTL 46435G326 508 8,970 SH   SOLE 0 0 0 8,970
ISHARES TR BLACKROCK ULTRA 46434V878 1,722 34,422 SH   SOLE 0 0 0 34,422
ISHARES TR USD INV GRDE ETF 464288620 384 7,323 SH   SOLE 0 0 0 7,323
ISHARES TR MICRO-CAP ETF 464288869 1,626 14,202 SH   SOLE 0 0 0 14,202
ISHARES TR CORE MSCI EAFE 46432F842 15,041 242,132 SH   SOLE 0 0 0 242,132
ISHARES TR S&P 500 VAL ETF 464287408 239 1,648 SH   SOLE 0 0 0 1,648
ISHARES TR MSCI EMG MKT ETF 464287234 486 12,277 SH   SOLE 0 0 0 12,277
ISHARES TR CORE S&P MCP ETF 464287507 7,007 27,932 SH   SOLE 0 0 0 27,932
ISHARES TR MSCI EAFE ETF 464287465 987 15,004 SH   SOLE 0 0 0 15,004
ISHARES TR ISHS 1-5YR INVS 464288646 1,641 32,097 SH   SOLE 0 0 0 32,097
ISHARES TR EAFE VALUE ETF 464288877 7,771 175,145 SH   SOLE 0 0 0 175,145
ISHARES TR U.S. REAL ES ETF 464287739 275 2,769 SH   SOLE 0 0 0 2,769
ISHARES TR MSCI USA MMENTM 46432F396 1,159 8,140 SH   SOLE 0 0 0 8,140
ISHARES TR CORE HIGH DV ETF 46429B663 2,477 23,940 SH   SOLE 0 0 0 23,940
ISHARES TR CORE S&P500 ETF 464287200 61,771 149,584 SH   SOLE 0 0 0 149,584
ISHARES TR US INFRASTRUC 46435U713 1,074 28,775 SH   SOLE 0 0 0 28,775
ISHARES TR GLOBAL TECH ETF 464287291 359 6,978 SH   SOLE 0 0 0 6,978
ISHARES TR EAFE GRWTH ETF 464288885 8,676 99,475 SH   SOLE 0 0 0 99,475
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,236 31,755 SH   SOLE 0 0 0 31,755
JOHNSON & JOHNSON COM 478160104 644 3,705 SH   SOLE 0 0 0 3,705
LILLY ELI & CO COM 532457108 290 895 SH   SOLE 0 0 0 895
LULULEMON ATHLETICA INC COM 550021109 299 963 SH   SOLE 0 0 0 963
MASTERCARD INCORPORATED CL A 57636Q104 800 2,283 SH   SOLE 0 0 0 2,283
MCDONALDS CORP COM 580135101 426 1,611 SH   SOLE 0 0 0 1,611
MEDTRONIC PLC SHS G5960L103 229 2,455 SH   SOLE 0 0 0 2,455
MERCK & CO INC COM 58933Y105 385 4,354 SH   SOLE 0 0 0 4,354
META PLATFORMS INC CL A 30303M102 473 2,958 SH   SOLE 0 0 0 2,958
MICROSOFT CORP COM 594918104 3,941 14,176 SH   SOLE 0 0 0 14,176
NORTHWESTERN CORP COM NEW 668074305 258 4,757 SH   SOLE 0 0 0 4,757
NOVARTIS AG SPONSORED ADR 66987V109 247 2,880 SH   SOLE 0 0 0 2,880
NUVEEN AMT FREE MUN CR INC F COM 67071L106 380 26,822 SH   SOLE 0 0 0 26,822
NUVEEN PFD & INCOME TERM FD COM 67075A106 325 15,539 SH   SOLE 0 0 0 15,539
NVIDIA CORPORATION COM 67066G104 533 2,888 SH   SOLE 0 0 0 2,888
PAYPAL HLDGS INC COM 70450Y103 328 3,701 SH   SOLE 0 0 0 3,701
PCM FD INC COM 69323T101 319 32,330 SH   SOLE 0 0 0 32,330
PEPSICO INC COM 713448108 1,167 6,593 SH   SOLE 0 0 0 6,593
PFIZER INC COM 717081103 494 9,758 SH   SOLE 0 0 0 9,758
PIMCO ETF TR ACTIVE BD ETF 72201R775 700 7,175 SH   SOLE 0 0 0 7,175
PINNACLE FINL PARTNERS INC COM 72346Q104 300 3,766 SH   SOLE 0 0 0 3,766
PROCTER AND GAMBLE CO COM 742718109 423 2,962 SH   SOLE 0 0 0 2,962
PUBLIC STORAGE COM 74460D109 263 812 SH   SOLE 0 0 0 812
QUALCOMM INC COM 747525103 316 2,140 SH   SOLE 0 0 0 2,140
RAYTHEON TECHNOLOGIES CORP COM 75513E101 247 2,652 SH   SOLE 0 0 0 2,652
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 547 11,247 SH   SOLE 0 0 0 11,247
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 356 5,371 SH   SOLE 0 0 0 5,371
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 406 9,431 SH   SOLE 0 0 0 9,431
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 272 10,907 SH   SOLE 0 0 0 10,907
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,103 28,232 SH   SOLE 0 0 0 28,232
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 331 6,858 SH   SOLE 0 0 0 6,858
SECURITY NATL FINL CORP CL A NEW 814785309 262 33,124 SH   SOLE 0 0 0 33,124
SELECT SECTOR SPDR TR ENERGY 81369Y506 427 5,561 SH   SOLE 0 0 0 5,561
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 286 1,988 SH   SOLE 0 0 0 1,988
SERVICENOW INC COM 81762P102 561 1,237 SH   SOLE 0 0 0 1,237
SPDR GOLD TR GOLD SHS 78463V107 229 1,388 SH   SOLE 0 0 0 1,388
SPDR S&P 500 ETF TR TR UNIT 78462F103 500 1,218 SH   SOLE 0 0 0 1,218
SPDR SER TR S&P 600 SMCP VAL 78464A300 240 3,048 SH   SOLE 0 0 0 3,048
SPDR SER TR PORTFOLIO S&P500 78464A854 30,490 631,140 SH   SOLE 0 0 0 631,140
SPROTT PHYSICAL GOLD TR UNIT 85207H104 196 14,139 SH   SOLE 0 0 0 14,139
STARBUCKS CORP COM 855244109 237 2,794 SH   SOLE 0 0 0 2,794
STRYKER CORPORATION COM 863667101 213 997 SH   SOLE 0 0 0 997
SYNLOGIC INC COM 87166L100 16 17,302 SH   SOLE 0 0 0 17,302
TC ENERGY CORP COM 87807B107 214 4,048 SH   SOLE 0 0 0 4,048
TELEDYNE TECHNOLOGIES INC COM 879360105 685 1,741 SH   SOLE 0 0 0 1,741
TESLA INC COM 88160R101 1,384 1,552 SH   SOLE 0 0 0 1,552
THERMO FISHER SCIENTIFIC INC COM 883556102 303 514 SH   SOLE 0 0 0 514
TRIMBLE INC COM 896239100 428 6,138 SH   SOLE 0 0 0 6,138
UNILEVER PLC SPON ADR NEW 904767704 212 4,327 SH   SOLE 0 0 0 4,327
UNION PAC CORP COM 907818108 1,445 6,364 SH   SOLE 0 0 0 6,364
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 562 7,290 SH   SOLE 0 0 0 7,290
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,827 28,797 SH   SOLE 0 0 0 28,797
VANGUARD INDEX FDS VALUE ETF 922908744 1,401 10,145 SH   SOLE 0 0 0 10,145
VANGUARD INDEX FDS MID CAP ETF 922908629 248 1,152 SH   SOLE 0 0 0 1,152
VANGUARD INDEX FDS LARGE CAP ETF 922908637 805 4,287 SH   SOLE 0 0 0 4,287
VANGUARD INDEX FDS SM CP VAL ETF 922908611 837 5,088 SH   SOLE 0 0 0 5,088
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,298 3,438 SH   SOLE 0 0 0 3,438
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 290 7,053 SH   SOLE 0 0 0 7,053
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 432 8,468 SH   SOLE 0 0 0 8,468
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 221 1,443 SH   SOLE 0 0 0 1,443
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 415 9,665 SH   SOLE 0 0 0 9,665
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 782 8,021 SH   SOLE 0 0 0 8,021
VANGUARD WORLD FD MEGA CAP INDEX 921910873 3,989 27,805 SH   SOLE 0 0 0 27,805
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,197 3,240 SH   SOLE 0 0 0 3,240
VISA INC COM CL A 92826C839 539 2,550 SH   SOLE 0 0 0 2,550
WALMART INC COM 931142103 469 3,540 SH   SOLE 0 0 0 3,540
WELLS FARGO CO NEW COM 949746101 300 6,894 SH   SOLE 0 0 0 6,894
WISDOMTREE TR EM EX ST-OWNED 97717X578 420 14,807 SH   SOLE 0 0 0 14,807
WP CAREY INC COM 92936U109 423 4,831 SH   SOLE 0 0 0 4,831
ZIONS BANCORPORATION N A COM 989701107 519 9,617 SH   SOLE 0 0 0 9,617