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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADOBE SYSTEMS INCORPORATED COM 00724F101   269,292 555 SH   SOLE 0 0 0 555
ADVANCED MICRO DEVICES INC COM 007903107   309,703 2,674 SH   SOLE 0 0 0 2,674
ALPHABET INC CAP STK CL A 02079K305   891,816 7,438 SH   SOLE 0 0 0 7,438
ALPHABET INC CAP STK CL C 02079K107   531,670 4,410 SH   SOLE 0 0 0 4,410
AMAZON COM INC COM 023135106   1,750,836 13,445 SH   SOLE 0 0 0 13,445
AMEREN CORP COM 023608102   277,548 3,350 SH   SOLE 0 0 0 3,350
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   846,516 14,057 SH   SOLE 0 0 0 14,057
APPLE INC COM 037833100   15,514,798 80,613 SH   SOLE 0 0 0 80,613
APPLIED MATLS INC COM 038222105   514,818 3,539 SH   SOLE 0 0 0 3,539
AT&T INC COM 00206R102   217,720 13,506 SH   SOLE 0 0 0 13,506
BECTON DICKINSON & CO COM 075887109   254,848 973 SH   SOLE 0 0 0 973
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,252,173 3,661 SH   SOLE 0 0 0 3,661
BLACKROCK CR ALLOCATION INCO COM 092508100   149,336 14,684 SH   SOLE 0 0 0 14,684
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102   393,286 14,528 SH   SOLE 0 0 0 14,528
BOEING CO COM 097023105   267,738 1,269 SH   SOLE 0 0 0 1,269
BOOKING HOLDINGS INC COM 09857L108   302,008 111 SH   SOLE 0 0 0 111
CHEVRON CORP NEW COM 166764100   452,395 2,878 SH   SOLE 0 0 0 2,878
CO-DIAGNOSTICS INC COM 189763105   44,888 39,375 SH   SOLE 0 0 0 39,375
COHEN & STEERS SELECT PFD & COM 19248Y107   270,702 14,833 SH   SOLE 0 0 0 14,833
CONOCOPHILLIPS COM 20825C104   294,046 2,821 SH   SOLE 0 0 0 2,821
COSTCO WHSL CORP NEW COM 22160K105   914,411 1,690 SH   SOLE 0 0 0 1,690
DELTA AIR LINES INC DEL COM NEW 247361702   239,272 4,989 SH   SOLE 0 0 0 4,989
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   9,424,475 303,819 SH   SOLE 0 0 0 303,819
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   212,910 6,444 SH   SOLE 0 0 0 6,444
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   367,545 7,627 SH   SOLE 0 0 0 7,627
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   4,206,105 76,419 SH   SOLE 0 0 0 76,419
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   9,564,133 403,210 SH   SOLE 0 0 0 403,210
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   2,080,900 88,738 SH   SOLE 0 0 0 88,738
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   14,797,106 540,830 SH   SOLE 0 0 0 540,830
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   5,222,055 192,058 SH   SOLE 0 0 0 192,058
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   538,590 20,803 SH   SOLE 0 0 0 20,803
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   326,504 7,843 SH   SOLE 0 0 0 7,843
DISNEY WALT CO COM 254687106   379,634 4,195 SH   SOLE 0 0 0 4,195
ELECTRONIC ARTS INC COM 285512109   260,249 1,989 SH   SOLE 0 0 0 1,989
ENTERPRISE PRODS PARTNERS L COM 293792107   238,356 8,981 SH   SOLE 0 0 0 8,981
EXPEDITORS INTL WASH INC COM 302130109   346,646 2,849 SH   SOLE 0 0 0 2,849
EXTRA SPACE STORAGE INC COM 30225T102   1,600,913 10,643 SH   SOLE 0 0 0 10,643
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   5,330,486 210,359 SH   SOLE 0 0 0 210,359
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   6,036,960 133,384 SH   SOLE 0 0 0 133,384
GLOBAL X FDS GLOBAL X SILVER 37954Y848   229,332 8,700 SH   SOLE 0 0 0 8,700
GOLDMAN SACHS BDC INC SHS 38147U107   154,197 11,109 SH   SOLE 0 0 0 11,109
HEALTHEQUITY INC COM 42226A107   4,057,171 65,029 SH   SOLE 0 0 0 65,029
HOME DEPOT INC COM 437076102   312,999 1,010 SH   SOLE 0 0 0 1,010
HUNTSMAN CORP COM 447011107   508,174 18,425 SH   SOLE 0 0 0 18,425
INTUITIVE SURGICAL INC COM NEW 46120E602   285,962 851 SH   SOLE 0 0 0 851
INVESCO QQQ TR UNIT SER 1 46090E103   1,199,332 3,239 SH   SOLE 0 0 0 3,239
ISHARES INC MSCI EMERG MRKT 464286533   2,310,921 41,872 SH   SOLE 0 0 0 41,872
ISHARES INC ESG AWR MSCI EM 46434G863   920,308 28,778 SH   SOLE 0 0 0 28,778
ISHARES INC CORE MSCI EMKT 46434G103   9,707,431 194,733 SH   SOLE 0 0 0 194,733
ISHARES TR MSCI EAFE MIN VL 46429B689   3,955,034 58,776 SH   SOLE 0 0 0 58,776
ISHARES TR CORE DIV GRWTH 46434V621   6,713,639 130,084 SH   SOLE 0 0 0 130,084
ISHARES TR CORE MSCI TOTAL 46432F834   7,901,148 125,774 SH   SOLE 0 0 0 125,774
ISHARES TR MSCI USA VALUE 46432F388   830,312 8,788 SH   SOLE 0 0 0 8,788
ISHARES TR U.S. TECH ETF 464287721   6,648,063 61,148 SH   SOLE 0 0 0 61,148
ISHARES TR SP SMCP600VL ETF 464287879   1,605,814 16,771 SH   SOLE 0 0 0 16,771
ISHARES TR CORE S&P SCP ETF 464287804   4,551,272 45,386 SH   SOLE 0 0 0 45,386
ISHARES TR ESG AW MSCI EAFE 46435G516   347,008 4,763 SH   SOLE 0 0 0 4,763
ISHARES TR ESG MSCI USA ETF 46436E767   443,625 12,323 SH   SOLE 0 0 0 12,323
ISHARES TR SHRT NAT MUN ETF 464288158   1,193,264 11,490 SH   SOLE 0 0 0 11,490
ISHARES TR NATIONAL MUN ETF 464288414   1,274,061 11,960 SH   SOLE 0 0 0 11,960
ISHARES TR MSCI USA QLT FCT 46432F339   17,291,220 128,378 SH   SOLE 0 0 0 128,378
ISHARES TR U.S. MED DVC ETF 464288810   478,364 8,591 SH   SOLE 0 0 0 8,591
ISHARES TR EAFE SML CP ETF 464288273   1,497,907 25,380 SH   SOLE 0 0 0 25,380
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,605,243 26,803 SH   SOLE 0 0 0 26,803
ISHARES TR MSCI USA MIN VOL 46429B697   5,427,517 73,098 SH   SOLE 0 0 0 73,098
ISHARES TR ESG AWR MSCI USA 46435G425   10,226,065 104,732 SH   SOLE 0 0 0 104,732
ISHARES TR CORE US AGGBD ET 464287226   1,055,799 10,820 SH   SOLE 0 0 0 10,820
ISHARES TR CORE MSCI INTL 46435G326   529,862 8,669 SH   SOLE 0 0 0 8,669
ISHARES TR CORE S&P TTL STK 464287150   19,234,611 196,191 SH   SOLE 0 0 0 196,191
ISHARES TR BLACKROCK ULTRA 46434V878   1,024,559 20,446 SH   SOLE 0 0 0 20,446
ISHARES TR CORE MSCI EAFE 46432F842   12,388,296 183,422 SH   SOLE 0 0 0 183,422
ISHARES TR S&P 500 VAL ETF 464287408   268,106 1,660 SH   SOLE 0 0 0 1,660
ISHARES TR MICRO-CAP ETF 464288869   1,401,939 12,704 SH   SOLE 0 0 0 12,704
ISHARES TR MSCI EMG MKT ETF 464287234   381,550 9,539 SH   SOLE 0 0 0 9,539
ISHARES TR CORE S&P MCP ETF 464287507   7,511,289 28,644 SH   SOLE 0 0 0 28,644
ISHARES TR EAFE GRWTH ETF 464288885   13,621,396 143,549 SH   SOLE 0 0 0 143,549
ISHARES TR US INFRASTRUC 46435U713   1,330,482 33,880 SH   SOLE 0 0 0 33,880
ISHARES TR GLOBAL TECH ETF 464287291   415,040 6,674 SH   SOLE 0 0 0 6,674
ISHARES TR MSCI EAFE ETF 464287465   805,589 11,124 SH   SOLE 0 0 0 11,124
ISHARES TR EAFE VALUE ETF 464288877   8,261,701 168,126 SH   SOLE 0 0 0 168,126
ISHARES TR ISHS 1-5YR INVS 464288646   1,665,558 33,345 SH   SOLE 0 0 0 33,345
ISHARES TR U.S. REAL ES ETF 464287739   233,958 2,681 SH   SOLE 0 0 0 2,681
ISHARES TR MSCI USA MMENTM 46432F396   1,155,046 8,035 SH   SOLE 0 0 0 8,035
ISHARES TR CORE S&P500 ETF 464287200   66,430,143 148,830 SH   SOLE 0 0 0 148,830
JOHNSON & JOHNSON COM 478160104   817,548 5,005 SH   SOLE 0 0 0 5,005
LILLY ELI & CO COM 532457108   412,971 895 SH   SOLE 0 0 0 895
LULULEMON ATHLETICA INC COM 550021109   288,731 761 SH   SOLE 0 0 0 761
MASTERCARD INCORPORATED CL A 57636Q104   750,507 1,905 SH   SOLE 0 0 0 1,905
MCDONALDS CORP COM 580135101   476,638 1,617 SH   SOLE 0 0 0 1,617
MEDTRONIC PLC SHS G5960L103   264,243 3,032 SH   SOLE 0 0 0 3,032
MERCK & CO INC COM 58933Y105   496,139 4,340 SH   SOLE 0 0 0 4,340
META PLATFORMS INC CL A 30303M102   696,745 2,436 SH   SOLE 0 0 0 2,436
MICROSOFT CORP COM 594918104   4,677,941 13,840 SH   SOLE 0 0 0 13,840
NORTHWESTERN CORP COM NEW 668074305   273,731 4,783 SH   SOLE 0 0 0 4,783
NOVARTIS AG SPONSORED ADR 66987V109   210,775 2,134 SH   SOLE 0 0 0 2,134
NUVEEN AMT FREE MUN CR INC F COM 67071L106   315,963 26,822 SH   SOLE 0 0 0 26,822
NUVEEN PFD & INCOME TERM FD COM 67075A106   263,075 15,539 SH   SOLE 0 0 0 15,539
NVIDIA CORPORATION COM 67066G104   1,172,437 2,764 SH   SOLE 0 0 0 2,764
PCM FD INC COM 69323T101   322,007 32,330 SH   SOLE 0 0 0 32,330
PEPSICO INC COM 713448108   1,235,512 6,657 SH   SOLE 0 0 0 6,657
PFIZER INC COM 717081103   348,981 9,522 SH   SOLE 0 0 0 9,522
PIMCO ETF TR ACTIVE BD ETF 72201R775   683,143 7,498 SH   SOLE 0 0 0 7,498
PROCTER AND GAMBLE CO COM 742718109   692,016 4,538 SH   SOLE 0 0 0 4,538
PROLOGIS INC. COM 74340W103   205,839 1,662 SH   SOLE 0 0 0 1,662
QUALCOMM INC COM 747525103   281,468 2,344 SH   SOLE 0 0 0 2,344
RAYTHEON TECHNOLOGIES CORP COM 75513E101   255,617 2,598 SH   SOLE 0 0 0 2,598
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   600,495 11,438 SH   SOLE 0 0 0 11,438
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,830,315 38,745 SH   SOLE 0 0 0 38,745
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   258,892 10,414 SH   SOLE 0 0 0 10,414
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   217,533 6,093 SH   SOLE 0 0 0 6,093
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   311,603 7,077 SH   SOLE 0 0 0 7,077
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   427,847 8,258 SH   SOLE 0 0 0 8,258
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   278,834 4,145 SH   SOLE 0 0 0 4,145
SECURITY NATL FINL CORP CL A NEW 814785309   295,797 33,124 SH   SOLE 0 0 0 33,124
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   347,468 2,003 SH   SOLE 0 0 0 2,003
SERVICENOW INC COM 81762P102   696,270 1,237 SH   SOLE 0 0 0 1,237
SPDR GOLD TR GOLD SHS 78463V107   237,365 1,330 SH   SOLE 0 0 0 1,330
SPDR S&P 500 ETF TR TR UNIT 78462F103   435,385 981 SH   SOLE 0 0 0 981
SPDR SER TR S&P 600 SMCP VAL 78464A300   217,160 2,790 SH   SOLE 0 0 0 2,790
SPDR SER TR PORTFOLIO S&P500 78464A854   39,140,308 749,671 SH   SOLE 0 0 0 749,671
SPROTT PHYSICAL GOLD TR UNIT 85207H104   268,726 17,939 SH   SOLE 0 0 0 17,939
STARBUCKS CORP COM 855244109   293,079 2,956 SH   SOLE 0 0 0 2,956
STRYKER CORPORATION COM 863667101   297,106 997 SH   SOLE 0 0 0 997
SYNLOGIC INC COM 87166L100   7,080 17,302 SH   SOLE 0 0 0 17,302
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   279,192 2,707 SH   SOLE 0 0 0 2,707
TELEDYNE TECHNOLOGIES INC COM 879360105   743,896 1,812 SH   SOLE 0 0 0 1,812
TESLA INC COM 88160R101   1,511,529 5,402 SH   SOLE 0 0 0 5,402
THERMO FISHER SCIENTIFIC INC COM 883556102   283,434 546 SH   SOLE 0 0 0 546
TRIMBLE INC COM 896239100   320,281 6,138 SH   SOLE 0 0 0 6,138
UNILEVER PLC SPON ADR NEW 904767704   209,723 4,012 SH   SOLE 0 0 0 4,012
UNION PAC CORP COM 907818108   1,379,010 6,690 SH   SOLE 0 0 0 6,690
VANGUARD INDEX FDS LARGE CAP ETF 922908637   861,785 4,243 SH   SOLE 0 0 0 4,243
VANGUARD INDEX FDS MID CAP ETF 922908629   255,198 1,155 SH   SOLE 0 0 0 1,155
VANGUARD INDEX FDS VALUE ETF 922908744   1,782,807 12,498 SH   SOLE 0 0 0 12,498
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,603,199 30,851 SH   SOLE 0 0 0 30,851
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,370,844 3,359 SH   SOLE 0 0 0 3,359
VANGUARD INDEX FDS SM CP VAL ETF 922908611   813,631 4,890 SH   SOLE 0 0 0 4,890
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   330,612 8,048 SH   SOLE 0 0 0 8,048
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   219,346 4,660 SH   SOLE 0 0 0 4,660
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   474,892 9,477 SH   SOLE 0 0 0 9,477
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   427,166 2,630 SH   SOLE 0 0 0 2,630
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   374,475 8,095 SH   SOLE 0 0 0 8,095
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   621,919 5,961 SH   SOLE 0 0 0 5,961
VANGUARD WORLD FD MEGA CAP INDEX 921910873   4,644,785 29,645 SH   SOLE 0 0 0 29,645
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,452,744 3,291 SH   SOLE 0 0 0 3,291
VISA INC COM CL A 92826C839   513,739 2,159 SH   SOLE 0 0 0 2,159
WALMART INC COM 931142103   564,464 3,568 SH   SOLE 0 0 0 3,568
WELLS FARGO CO NEW COM 949746101   297,510 6,855 SH   SOLE 0 0 0 6,855
WP CAREY INC COM 92936U109   546,744 7,977 SH   SOLE 0 0 0 7,977
ZIONS BANCORPORATION N A COM 989701107   401,629 14,273 SH   SOLE 0 0 0 14,273