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 779 6,764 SH   SOLE 0 0 0 6,764
ALPHABET INC CAP STK CL C 02079K107 539 5,271 SH   SOLE 0 0 0 5,271
ALPHABET INC CAP STK CL A 02079K305 693 6,836 SH   SOLE 0 0 0 6,836
AMAZON COM INC COM 023135106 1,534 12,684 SH   SOLE 0 0 0 12,684
AMEREN CORP COM 023608102 273 3,350 SH   SOLE 0 0 0 3,350
APPLE INC COM 037833100 10,983 75,023 SH   SOLE 0 0 0 75,023
APPLIED MATLS INC COM 038222105 276 3,099 SH   SOLE 0 0 0 3,099
AT&T INC COM 00206R102 184 11,554 SH   SOLE 0 0 0 11,554
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,037 3,711 SH   SOLE 0 0 0 3,711
BLACKROCK CR ALLOCATION INCO COM 092508100 129 12,839 SH   SOLE 0 0 0 12,839
BOOKING HOLDINGS INC COM 09857L108 223 129 SH   SOLE 0 0 0 129
CHEVRON CORP NEW COM 166764100 444 2,802 SH   SOLE 0 0 0 2,802
CO-DIAGNOSTICS INC COM 189763105 113 33,875 SH   SOLE 0 0 0 33,875
COHEN & STEERS SELECT PFD & COM 19248Y107 271 14,833 SH   SOLE 0 0 0 14,833
CONOCOPHILLIPS COM 20825C104 331 2,852 SH   SOLE 0 0 0 2,852
COSTCO WHSL CORP NEW COM 22160K105 803 1,671 SH   SOLE 0 0 0 1,671
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 5,524 207,529 SH   SOLE 0 0 0 207,529
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 3,369 67,999 SH   SOLE 0 0 0 67,999
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 4,207 200,052 SH   SOLE 0 0 0 200,052
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 9,628 425,072 SH   SOLE 0 0 0 425,072
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 4,094 173,312 SH   SOLE 0 0 0 173,312
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1,727 87,142 SH   SOLE 0 0 0 87,142
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 296 12,680 SH   SOLE 0 0 0 12,680
DISNEY WALT CO COM 254687106 399 3,954 SH   SOLE 0 0 0 3,954
DOMINION ENERGY INC COM 25746U109 246 3,561 SH   SOLE 0 0 0 3,561
ENTERPRISE PRODS PARTNERS L COM 293792107 223 8,981 SH   SOLE 0 0 0 8,981
EXPEDITORS INTL WASH INC COM 302130109 363 3,997 SH   SOLE 0 0 0 3,997
EXTRA SPACE STORAGE INC COM 30225T102 1,888 10,597 SH   SOLE 0 0 0 10,597
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 3,919 161,067 SH   SOLE 0 0 0 161,067
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 334 7,455 SH   SOLE 0 0 0 7,455
GLOBAL X FDS GLOBAL X SILVER 37954Y848 226 8,700 SH   SOLE 0 0 0 8,700
GOLDMAN SACHS BDC INC SHS 38147U107 152 10,124 SH   SOLE 0 0 0 10,124
HEALTHEQUITY INC COM 42226A107 4,440 65,029 SH   SOLE 0 0 0 65,029
HOME DEPOT INC COM 437076102 286 986 SH   SOLE 0 0 0 986
HUNTSMAN CORP COM 447011107 492 18,327 SH   SOLE 0 0 0 18,327
INTEL CORP COM 458140100 251 9,091 SH   SOLE 0 0 0 9,091
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 4,676 217,202 SH   SOLE 0 0 0 217,202
INVESCO QQQ TR UNIT SER 1 46090E103 601 2,133 SH   SOLE 0 0 0 2,133
ISHARES INC CORE MSCI EMKT 46434G103 2,587 57,408 SH   SOLE 0 0 0 57,408
ISHARES INC MSCI EMERG MRKT 464286533 4,723 90,496 SH   SOLE 0 0 0 90,496
ISHARES INC ESG AWR MSCI EM 46434G863 1,106 38,146 SH   SOLE 0 0 0 38,146
ISHARES TR SP SMCP600VL ETF 464287879 1,867 21,381 SH   SOLE 0 0 0 21,381
ISHARES TR CORE MSCI TOTAL 46432F834 6,623 123,884 SH   SOLE 0 0 0 123,884
ISHARES TR CORE S&P SCP ETF 464287804 6,620 71,804 SH   SOLE 0 0 0 71,804
ISHARES TR MSCI USA VALUE 46432F388 847 9,711 SH   SOLE 0 0 0 9,711
ISHARES TR ESG AW MSCI EAFE 46435G516 293 4,973 SH   SOLE 0 0 0 4,973
ISHARES TR ESG ADV TTL USD 46436E619 372 8,855 SH   SOLE 0 0 0 8,855
ISHARES TR MSCI EAFE MIN VL 46429B689 4,002 68,185 SH   SOLE 0 0 0 68,185
ISHARES TR CORE DIV GRWTH 46434V621 7,395 158,415 SH   SOLE 0 0 0 158,415
ISHARES TR NATIONAL MUN ETF 464288414 1,208 11,687 SH   SOLE 0 0 0 11,687
ISHARES TR ESG MSCI USA ETF 46436E767 372 12,534 SH   SOLE 0 0 0 12,534
ISHARES TR SHRT NAT MUN ETF 464288158 1,182 11,489 SH   SOLE 0 0 0 11,489
ISHARES TR 0-5 YR TIPS ETF 46429B747 941 9,711 SH   SOLE 0 0 0 9,711
ISHARES TR MSCI USA MIN VOL 46429B697 3,570 51,827 SH   SOLE 0 0 0 51,827
ISHARES TR EAFE SML CP ETF 464288273 1,485 29,290 SH   SOLE 0 0 0 29,290
ISHARES TR MSCI USA QLT FCT 46432F339 482 4,385 SH   SOLE 0 0 0 4,385
ISHARES TR U.S. MED DVC ETF 464288810 451 8,967 SH   SOLE 0 0 0 8,967
ISHARES TR ESG AWR MSCI USA 46435G425 22,888 272,896 SH   SOLE 0 0 0 272,896
ISHARES TR CORE US AGGBD ET 464287226 848 8,773 SH   SOLE 0 0 0 8,773
ISHARES TR CORE MSCI INTL 46435G326 449 8,859 SH   SOLE 0 0 0 8,859
ISHARES TR CORE S&P TTL STK 464287150 16,765 199,673 SH   SOLE 0 0 0 199,673
ISHARES TR BLACKROCK ULTRA 46434V878 1,676 33,561 SH   SOLE 0 0 0 33,561
ISHARES TR CORE MSCI EAFE 46432F842 11,723 212,214 SH   SOLE 0 0 0 212,214
ISHARES TR S&P 500 VAL ETF 464287408 258 1,906 SH   SOLE 0 0 0 1,906
ISHARES TR USD INV GRDE ETF 464288620 349 7,198 SH   SOLE 0 0 0 7,198
ISHARES TR MSCI EMG MKT ETF 464287234 452 12,348 SH   SOLE 0 0 0 12,348
ISHARES TR MICRO-CAP ETF 464288869 1,478 13,679 SH   SOLE 0 0 0 13,679
ISHARES TR CORE S&P MCP ETF 464287507 6,695 28,677 SH   SOLE 0 0 0 28,677
ISHARES TR MSCI EAFE ETF 464287465 881 14,988 SH   SOLE 0 0 0 14,988
ISHARES TR ISHS 1-5YR INVS 464288646 1,751 35,435 SH   SOLE 0 0 0 35,435
ISHARES TR EAFE VALUE ETF 464288877 7,247 179,155 SH   SOLE 0 0 0 179,155
ISHARES TR U.S. REAL ES ETF 464287739 230 2,781 SH   SOLE 0 0 0 2,781
ISHARES TR CORE HIGH DV ETF 46429B663 2,354 24,209 SH   SOLE 0 0 0 24,209
ISHARES TR MSCI USA MMENTM 46432F396 1,148 8,304 SH   SOLE 0 0 0 8,304
ISHARES TR CORE S&P500 ETF 464287200 56,885 150,283 SH   SOLE 0 0 0 150,283
ISHARES TR EAFE GRWTH ETF 464288885 7,865 102,657 SH   SOLE 0 0 0 102,657
ISHARES TR US INFRASTRUC 46435U713 992 29,168 SH   SOLE 0 0 0 29,168
ISHARES TR GLOBAL TECH ETF 464287291 309 6,834 SH   SOLE 0 0 0 6,834
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,234 32,255 SH   SOLE 0 0 0 32,255
JOHNSON & JOHNSON COM 478160104 606 3,672 SH   SOLE 0 0 0 3,672
LILLY ELI & CO COM 532457108 297 895 SH   SOLE 0 0 0 895
LULULEMON ATHLETICA INC COM 550021109 239 771 SH   SOLE 0 0 0 771
MASTERCARD INCORPORATED CL A 57636Q104 695 2,283 SH   SOLE 0 0 0 2,283
MCDONALDS CORP COM 580135101 383 1,602 SH   SOLE 0 0 0 1,602
MEDTRONIC PLC SHS G5960L103 209 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 442 3,177 SH   SOLE 0 0 0 3,177
MICROSOFT CORP COM 594918104 3,533 14,176 SH   SOLE 0 0 0 14,176
NORTHWESTERN CORP COM NEW 668074305 240 4,757 SH   SOLE 0 0 0 4,757
NOVARTIS AG SPONSORED ADR 66987V109 223 2,880 SH   SOLE 0 0 0 2,880
NUVEEN AMT FREE MUN CR INC F COM 67071L106 318 26,822 SH   SOLE 0 0 0 26,822
NUVEEN PFD & INCOME TERM FD COM 67075A106 289 15,539 SH   SOLE 0 0 0 15,539
NVIDIA CORPORATION COM 67066G104 377 2,854 SH   SOLE 0 0 0 2,854
PAYPAL HLDGS INC COM 70450Y103 311 3,311 SH   SOLE 0 0 0 3,311
PCM FD INC COM 69323T101 265 32,330 SH   SOLE 0 0 0 32,330
PEPSICO INC COM 713448108 1,095 6,598 SH   SOLE 0 0 0 6,598
PFIZER INC COM 717081103 435 9,858 SH   SOLE 0 0 0 9,858
PIMCO ETF TR ACTIVE BD ETF 72201R775 668 7,427 SH   SOLE 0 0 0 7,427
PINNACLE FINL PARTNERS INC COM 72346Q104 327 3,766 SH   SOLE 0 0 0 3,766
PROCTER AND GAMBLE CO COM 742718109 379 2,936 SH   SOLE 0 0 0 2,936
PUBLIC STORAGE COM 74460D109 239 812 SH   SOLE 0 0 0 812
QUALCOMM INC COM 747525103 274 2,192 SH   SOLE 0 0 0 2,192
RAYTHEON TECHNOLOGIES CORP COM 75513E101 226 2,652 SH   SOLE 0 0 0 2,652
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 511 11,418 SH   SOLE 0 0 0 11,418
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 332 5,371 SH   SOLE 0 0 0 5,371
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 259 11,056 SH   SOLE 0 0 0 11,056
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,170 31,061 SH   SOLE 0 0 0 31,061
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 412 10,259 SH   SOLE 0 0 0 10,259
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 304 6,858 SH   SOLE 0 0 0 6,858
SECURITY NATL FINL CORP CL A NEW 814785309 206 33,124 SH   SOLE 0 0 0 33,124
SELECT SECTOR SPDR TR ENERGY 81369Y506 413 5,100 SH   SOLE 0 0 0 5,100
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 253 1,992 SH   SOLE 0 0 0 1,992
SERVICENOW INC COM 81762P102 520 1,237 SH   SOLE 0 0 0 1,237
SPDR GOLD TR GOLD SHS 78463V107 205 1,285 SH   SOLE 0 0 0 1,285
SPDR S&P 500 ETF TR TR UNIT 78462F103 470 1,247 SH   SOLE 0 0 0 1,247
SPDR SER TR S&P 600 SMCP VAL 78464A300 218 3,063 SH   SOLE 0 0 0 3,063
SPDR SER TR PORTFOLIO S&P500 78464A854 28,737 648,396 SH   SOLE 0 0 0 648,396
SPROTT PHYSICAL GOLD TR UNIT 85207H104 239 17,939 SH   SOLE 0 0 0 17,939
STARBUCKS CORP COM 855244109 252 2,795 SH   SOLE 0 0 0 2,795
STRYKER CORPORATION COM 863667101 215 997 SH   SOLE 0 0 0 997
SYNLOGIC INC COM 87166L100 19 17,302 SH   SOLE 0 0 0 17,302
TELEDYNE TECHNOLOGIES INC COM 879360105 616 1,741 SH   SOLE 0 0 0 1,741
TESLA INC COM 88160R101 1,218 5,056 SH   SOLE 0 0 0 5,056
THERMO FISHER SCIENTIFIC INC COM 883556102 281 514 SH   SOLE 0 0 0 514
TRIMBLE INC COM 896239100 354 6,138 SH   SOLE 0 0 0 6,138
UNION PAC CORP COM 907818108 1,277 6,364 SH   SOLE 0 0 0 6,364
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 455 6,356 SH   SOLE 0 0 0 6,356
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,195 3,447 SH   SOLE 0 0 0 3,447
VANGUARD INDEX FDS SM CP VAL ETF 922908611 777 5,087 SH   SOLE 0 0 0 5,087
VANGUARD INDEX FDS LARGE CAP ETF 922908637 740 4,288 SH   SOLE 0 0 0 4,288
VANGUARD INDEX FDS MID CAP ETF 922908629 230 1,155 SH   SOLE 0 0 0 1,155
VANGUARD INDEX FDS VALUE ETF 922908744 1,396 10,729 SH   SOLE 0 0 0 10,729
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,389 29,276 SH   SOLE 0 0 0 29,276
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 276 7,223 SH   SOLE 0 0 0 7,223
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 442 9,110 SH   SOLE 0 0 0 9,110
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 327 2,301 SH   SOLE 0 0 0 2,301
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 343 8,993 SH   SOLE 0 0 0 8,993
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 798 8,523 SH   SOLE 0 0 0 8,523
VANGUARD WORLD FD MEGA CAP INDEX 921910873 3,783 28,754 SH   SOLE 0 0 0 28,754
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,091 3,316 SH   SOLE 0 0 0 3,316
VISA INC COM CL A 92826C839 437 2,331 SH   SOLE 0 0 0 2,331
WALMART INC COM 931142103 471 3,542 SH   SOLE 0 0 0 3,542
WELLS FARGO CO NEW COM 949746101 294 6,794 SH   SOLE 0 0 0 6,794
WISDOMTREE TR EM EX ST-OWNED 97717X578 327 12,712 SH   SOLE 0 0 0 12,712
WP CAREY INC COM 92936U109 587 7,977 SH   SOLE 0 0 0 7,977
ZIONS BANCORPORATION N A COM 989701107 515 9,623 SH   SOLE 0 0 0 9,623