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
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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
3M CO COM 88579Y101   779,000 6,774 SH   SOLE 0 0 0 6,774
ALPHABET INC CAP STK CL A 02079K305   679,406 6,954 SH   SOLE 0 0 0 6,954
ALPHABET INC CAP STK CL C 02079K107   523,634 5,278 SH   SOLE 0 0 0 5,278
AMAZON COM INC COM 023135106   1,360,059 14,120 SH   SOLE 0 0 0 14,120
AMEREN CORP COM 023608102   289,675 3,350 SH   SOLE 0 0 0 3,350
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   789,439 13,369 SH   SOLE 0 0 0 13,369
APPLE INC COM 037833100   10,658,762 74,783 SH   SOLE 0 0 0 74,783
APPLIED MATLS INC COM 038222105   350,156 3,099 SH   SOLE 0 0 0 3,099
AT&T INC COM 00206R102   219,469 11,455 SH   SOLE 0 0 0 11,455
BECTON DICKINSON & CO COM 075887109   239,115 973 SH   SOLE 0 0 0 973
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,122,337 3,605 SH   SOLE 0 0 0 3,605
BLACKROCK CR ALLOCATION INCO COM 092508100   142,256 12,839 SH   SOLE 0 0 0 12,839
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102   313,432 13,406 SH   SOLE 0 0 0 13,406
BOEING CO COM 097023105   261,665 1,234 SH   SOLE 0 0 0 1,234
BOOKING HOLDINGS INC COM 09857L108   309,902 129 SH   SOLE 0 0 0 129
CHEVRON CORP NEW COM 166764100   521,959 2,886 SH   SOLE 0 0 0 2,886
CO-DIAGNOSTICS INC COM 189763105   110,447 39,375 SH   SOLE 0 0 0 39,375
COHEN & STEERS SELECT PFD & COM 19248Y107   308,526 14,833 SH   SOLE 0 0 0 14,833
CONOCOPHILLIPS COM 20825C104   334,723 2,817 SH   SOLE 0 0 0 2,817
COSTCO WHSL CORP NEW COM 22160K105   827,255 1,681 SH   SOLE 0 0 0 1,681
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   8,017,093 282,193 SH   SOLE 0 0 0 282,193
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   214,741 6,545 SH   SOLE 0 0 0 6,545
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   342,138 7,849 SH   SOLE 0 0 0 7,849
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   4,175,239 76,512 SH   SOLE 0 0 0 76,512
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   6,803,586 281,955 SH   SOLE 0 0 0 281,955
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   273,273 6,370 SH   SOLE 0 0 0 6,370
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   2,073,014 88,401 SH   SOLE 0 0 0 88,401
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   14,309,394 528,217 SH   SOLE 0 0 0 528,217
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   4,885,208 191,502 SH   SOLE 0 0 0 191,502
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   540,983 20,376 SH   SOLE 0 0 0 20,376
DISNEY WALT CO COM 254687106   439,778 4,149 SH   SOLE 0 0 0 4,149
DOMINION ENERGY INC COM 25746U109   222,669 3,564 SH   SOLE 0 0 0 3,564
ENTERPRISE PRODS PARTNERS L COM 293792107   236,470 8,981 SH   SOLE 0 0 0 8,981
EXPEDITORS INTL WASH INC COM 302130109   308,646 2,849 SH   SOLE 0 0 0 2,849
EXTRA SPACE STORAGE INC COM 30225T102   1,608,878 10,578 SH   SOLE 0 0 0 10,578
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   5,279,257 198,543 SH   SOLE 0 0 0 198,543
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   5,335,967 114,678 SH   SOLE 0 0 0 114,678
GLOBAL X FDS GLOBAL X SILVER 37954Y848   272,571 8,700 SH   SOLE 0 0 0 8,700
GOLDMAN SACHS BDC INC SHS 38147U107   159,329 10,420 SH   SOLE 0 0 0 10,420
HEALTHEQUITY INC COM 42226A107   3,715,117 65,029 SH   SOLE 0 0 0 65,029
HOME DEPOT INC COM 437076102   313,980 988 SH   SOLE 0 0 0 988
HUNTSMAN CORP COM 447011107   584,458 18,356 SH   SOLE 0 0 0 18,356
INTERNATIONAL BUSINESS MACHS COM 459200101   216,141 1,528 SH   SOLE 0 0 0 1,528
INTUITIVE SURGICAL INC COM NEW 46120E602   234,504 909 SH   SOLE 0 0 0 909
INVESCO QQQ TR UNIT SER 1 46090E103   661,905 2,295 SH   SOLE 0 0 0 2,295
ISHARES INC ESG AWR MSCI EM 46434G863   939,448 27,976 SH   SOLE 0 0 0 27,976
ISHARES INC MSCI EMERG MRKT 464286533   4,723,833 84,854 SH   SOLE 0 0 0 84,854
ISHARES INC CORE MSCI EMKT 46434G103   10,841,504 210,188 SH   SOLE 0 0 0 210,188
ISHARES TR MSCI EAFE MIN VL 46429B689   4,059,495 60,963 SH   SOLE 0 0 0 60,963
ISHARES TR CORE DIV GRWTH 46434V621   7,737,183 152,127 SH   SOLE 0 0 0 152,127
ISHARES TR MSCI USA VALUE 46432F388   800,930 8,371 SH   SOLE 0 0 0 8,371
ISHARES TR U.S. TECH ETF 464287721   3,835,202 47,075 SH   SOLE 0 0 0 47,075
ISHARES TR SP SMCP600VL ETF 464287879   1,986,637 20,138 SH   SOLE 0 0 0 20,138
ISHARES TR CORE MSCI TOTAL 46432F834   8,015,117 127,204 SH   SOLE 0 0 0 127,204
ISHARES TR CORE S&P SCP ETF 464287804   6,475,533 64,216 SH   SOLE 0 0 0 64,216
ISHARES TR ESG AW MSCI EAFE 46435G516   360,881 5,051 SH   SOLE 0 0 0 5,051
ISHARES TR ESG MSCI USA ETF 46436E767   397,024 12,315 SH   SOLE 0 0 0 12,315
ISHARES TR SHRT NAT MUN ETF 464288158   1,192,461 11,355 SH   SOLE 0 0 0 11,355
ISHARES TR NATIONAL MUN ETF 464288414   1,300,391 12,047 SH   SOLE 0 0 0 12,047
ISHARES TR 0-5 YR TIPS ETF 46429B747   935,432 9,564 SH   SOLE 0 0 0 9,564
ISHARES TR EAFE SML CP ETF 464288273   1,614,526 26,489 SH   SOLE 0 0 0 26,489
ISHARES TR MSCI USA MIN VOL 46429B697   4,911,840 67,563 SH   SOLE 0 0 0 67,563
ISHARES TR MSCI USA QLT FCT 46432F339   522,440 4,342 SH   SOLE 0 0 0 4,342
ISHARES TR U.S. MED DVC ETF 464288810   453,012 8,367 SH   SOLE 0 0 0 8,367
ISHARES TR ESG AWR MSCI USA 46435G425   20,799,742 234,337 SH   SOLE 0 0 0 234,337
ISHARES TR CORE US AGGBD ET 464287226   1,044,642 10,417 SH   SOLE 0 0 0 10,417
ISHARES TR CORE MSCI INTL 46435G326   524,013 8,643 SH   SOLE 0 0 0 8,643
ISHARES TR CORE S&P TTL STK 464287150   18,052,850 202,568 SH   SOLE 0 0 0 202,568
ISHARES TR BLACKROCK ULTRA 46434V878   1,625,961 32,370 SH   SOLE 0 0 0 32,370
ISHARES TR CORE MSCI EAFE 46432F842   13,370,382 200,036 SH   SOLE 0 0 0 200,036
ISHARES TR S&P 500 VAL ETF 464287408   293,630 1,924 SH   SOLE 0 0 0 1,924
ISHARES TR MSCI EMG MKT ETF 464287234   398,111 9,465 SH   SOLE 0 0 0 9,465
ISHARES TR MICRO-CAP ETF 464288869   1,485,957 12,780 SH   SOLE 0 0 0 12,780
ISHARES TR CORE S&P MCP ETF 464287507   7,330,969 28,514 SH   SOLE 0 0 0 28,514
ISHARES TR MSCI EAFE ETF 464287465   788,012 11,066 SH   SOLE 0 0 0 11,066
ISHARES TR ISHS 1-5YR INVS 464288646   1,699,794 33,613 SH   SOLE 0 0 0 33,613
ISHARES TR EAFE VALUE ETF 464288877   10,042,168 203,695 SH   SOLE 0 0 0 203,695
ISHARES TR EAFE GRWTH ETF 464288885   10,016,995 109,619 SH   SOLE 0 0 0 109,619
ISHARES TR US INFRASTRUC 46435U713   1,162,374 30,605 SH   SOLE 0 0 0 30,605
ISHARES TR GLOBAL TECH ETF 464287291   341,135 6,965 SH   SOLE 0 0 0 6,965
ISHARES TR U.S. REAL ES ETF 464287739   240,256 2,667 SH   SOLE 0 0 0 2,667
ISHARES TR MSCI USA MMENTM 46432F396   3,803,646 26,330 SH   SOLE 0 0 0 26,330
ISHARES TR CORE S&P500 ETF 464287200   60,592,315 150,671 SH   SOLE 0 0 0 150,671
JOHNSON & JOHNSON COM 478160104   610,478 3,627 SH   SOLE 0 0 0 3,627
LILLY ELI & CO COM 532457108   310,019 895 SH   SOLE 0 0 0 895
LULULEMON ATHLETICA INC COM 550021109   236,831 761 SH   SOLE 0 0 0 761
MASTERCARD INCORPORATED CL A 57636Q104   715,652 1,883 SH   SOLE 0 0 0 1,883
MCDONALDS CORP COM 580135101   433,106 1,607 SH   SOLE 0 0 0 1,607
MERCK & CO INC COM 58933Y105   474,390 4,371 SH   SOLE 0 0 0 4,371
META PLATFORMS INC CL A 30303M102   340,959 2,382 SH   SOLE 0 0 0 2,382
MICROSOFT CORP COM 594918104   3,350,515 13,843 SH   SOLE 0 0 0 13,843
NORTHWESTERN CORP COM NEW 668074305   270,198 4,757 SH   SOLE 0 0 0 4,757
NOVARTIS AG SPONSORED ADR 66987V109   262,257 2,850 SH   SOLE 0 0 0 2,850
NUVEEN AMT FREE MUN CR INC F COM 67071L106   340,103 26,822 SH   SOLE 0 0 0 26,822
NUVEEN PFD & INCOME TERM FD COM 67075A106   307,828 15,539 SH   SOLE 0 0 0 15,539
NVIDIA CORPORATION COM 67066G104   549,845 2,854 SH   SOLE 0 0 0 2,854
PAYPAL HLDGS INC COM 70450Y103   263,330 3,309 SH   SOLE 0 0 0 3,309
PCM FD INC COM 69323T101   284,181 32,330 SH   SOLE 0 0 0 32,330
PEPSICO INC COM 713448108   1,131,281 6,628 SH   SOLE 0 0 0 6,628
PFIZER INC COM 717081103   417,189 9,331 SH   SOLE 0 0 0 9,331
PIMCO ETF TR ACTIVE BD ETF 72201R775   694,573 7,427 SH   SOLE 0 0 0 7,427
PINNACLE FINL PARTNERS INC COM 72346Q104   210,198 2,826 SH   SOLE 0 0 0 2,826
PROCTER AND GAMBLE CO COM 742718109   420,169 2,963 SH   SOLE 0 0 0 2,963
PROLOGIS INC. COM 74340W103   210,077 1,662 SH   SOLE 0 0 0 1,662
PUBLIC STORAGE COM 74460D109   238,574 812 SH   SOLE 0 0 0 812
QUALCOMM INC COM 747525103   287,619 2,201 SH   SOLE 0 0 0 2,201
RAYTHEON TECHNOLOGIES CORP COM 75513E101   263,794 2,652 SH   SOLE 0 0 0 2,652
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   539,174 11,387 SH   SOLE 0 0 0 11,387
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   288,722 11,041 SH   SOLE 0 0 0 11,041
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,612,305 34,157 SH   SOLE 0 0 0 34,157
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   289,172 6,634 SH   SOLE 0 0 0 6,634
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   322,875 6,858 SH   SOLE 0 0 0 6,858
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   365,174 5,371 SH   SOLE 0 0 0 5,371
SECURITY NATL FINL CORP CL A NEW 814785309   240,480 33,124 SH   SOLE 0 0 0 33,124
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   268,037 1,996 SH   SOLE 0 0 0 1,996
SERVICENOW INC COM 81762P102   548,498 1,237 SH   SOLE 0 0 0 1,237
SPDR GOLD TR GOLD SHS 78463V107   230,037 1,276 SH   SOLE 0 0 0 1,276
SPDR S&P 500 ETF TR TR UNIT 78462F103   492,476 1,231 SH   SOLE 0 0 0 1,231
SPDR SER TR S&P 600 SMCP VAL 78464A300   245,952 3,065 SH   SOLE 0 0 0 3,065
SPDR SER TR PORTFOLIO S&P500 78464A854   32,532,856 691,159 SH   SOLE 0 0 0 691,159
SPROTT PHYSICAL GOLD TR UNIT 85207H104   269,444 17,939 SH   SOLE 0 0 0 17,939
STARBUCKS CORP COM 855244109   298,100 2,795 SH   SOLE 0 0 0 2,795
STRYKER CORPORATION COM 863667101   254,983 997 SH   SOLE 0 0 0 997
SYNLOGIC INC COM 87166L100   16,565 17,302 SH   SOLE 0 0 0 17,302
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   225,916 2,389 SH   SOLE 0 0 0 2,389
TELEDYNE TECHNOLOGIES INC COM 879360105   743,660 1,812 SH   SOLE 0 0 0 1,812
TESLA INC COM 88160R101   796,113 5,533 SH   SOLE 0 0 0 5,533
THERMO FISHER SCIENTIFIC INC COM 883556102   296,748 511 SH   SOLE 0 0 0 511
TRIMBLE INC COM 896239100   345,447 6,138 SH   SOLE 0 0 0 6,138
UNILEVER PLC SPON ADR NEW 904767704   202,426 3,999 SH   SOLE 0 0 0 3,999
UNION PAC CORP COM 907818108   1,293,038 6,364 SH   SOLE 0 0 0 6,364
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   490,156 6,604 SH   SOLE 0 0 0 6,604
VANGUARD INDEX FDS MID CAP ETF 922908629   251,910 1,169 SH   SOLE 0 0 0 1,169
VANGUARD INDEX FDS VALUE ETF 922908744   1,749,922 12,267 SH   SOLE 0 0 0 12,267
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,563,037 29,023 SH   SOLE 0 0 0 29,023
VANGUARD INDEX FDS LARGE CAP ETF 922908637   783,719 4,296 SH   SOLE 0 0 0 4,296
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,326,743 3,608 SH   SOLE 0 0 0 3,608
VANGUARD INDEX FDS SM CP VAL ETF 922908611   819,097 4,871 SH   SOLE 0 0 0 4,871
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   302,964 7,072 SH   SOLE 0 0 0 7,072
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   507,289 9,986 SH   SOLE 0 0 0 9,986
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   360,219 2,325 SH   SOLE 0 0 0 2,325
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   400,206 8,788 SH   SOLE 0 0 0 8,788
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   874,697 8,510 SH   SOLE 0 0 0 8,510
VANGUARD WORLD FD MEGA CAP INDEX 921910873   4,091,523 29,548 SH   SOLE 0 0 0 29,548
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,140,193 3,299 SH   SOLE 0 0 0 3,299
VISA INC COM CL A 92826C839   487,617 2,178 SH   SOLE 0 0 0 2,178
WALMART INC COM 931142103   506,759 3,543 SH   SOLE 0 0 0 3,543
WELLS FARGO CO NEW COM 949746101   304,702 6,855 SH   SOLE 0 0 0 6,855
WP CAREY INC COM 92936U109   676,131 7,977 SH   SOLE 0 0 0 7,977
ZIONS BANCORPORATION N A COM 989701107   493,640 9,535 SH   SOLE 0 0 0 9,535