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
ADOBE INC COM 00724F101   230,014 483 SH   SOLE 0 48 0 435
ADVANCED MICRO DEVICES INC COM 007903107   620,658 3,797 SH   SOLE 0 72 0 3,725
ALPHABET INC CAP STK CL A 02079K305   1,220,686 7,906 SH   SOLE 0 2,778 0 5,128
ALPHABET INC CAP STK CL C 02079K107   713,232 4,572 SH   SOLE 0 1,578 0 2,994
AMAZON COM INC COM 023135106   2,730,591 14,895 SH   SOLE 0 5,755 0 9,140
AMEREN CORP COM 023608102   236,342 3,360 SH   SOLE 0 2,850 0 510
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   1,197,945 17,968 SH   SOLE 0 6,576 0 11,392
AMERICAN EXPRESS CO COM 025816109   291,921 1,337 SH   SOLE 0 260 0 1,077
AMPHENOL CORP NEW CL A 032095101   222,663 1,978 SH   SOLE 0 372 0 1,606
APPLE INC COM 037833100   12,813,217 75,648 SH   SOLE 0 8,223 0 67,425
APPLIED MATLS INC COM 038222105   637,657 3,044 SH   SOLE 0 0 0 3,044
AT&T INC COM 00206R102   194,515 12,089 SH   SOLE 0 6,142 0 5,947
BANK AMERICA CORP COM 060505104   223,182 6,435 SH   SOLE 0 5,343 0 1,092
BECTON DICKINSON & CO COM 075887109   270,513 1,171 SH   SOLE 0 191 0 980
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,406,416 3,543 SH   SOLE 0 691 0 2,852
BLACKROCK CR ALLOCATION INCO COM 092508100   146,987 14,684 SH   SOLE 0 0 0 14,684
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   14,420,649 334,276 SH   SOLE 0 88,198 0 246,077
BLACKROCK INC COM 09247X101   220,776 294 SH   SOLE 0 179 0 115
BOOKING HOLDINGS INC COM 09857L108   385,172 111 SH   SOLE 0 35 0 76
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   376,887 5,433 SH   SOLE 0 1,775 0 3,658
CATERPILLAR INC COM 149123101   244,718 680 SH   SOLE 0 0 0 680
CHEVRON CORP NEW COM 166764100   451,851 2,891 SH   SOLE 0 240 0 2,651
CO-DIAGNOSTICS INC COM 189763105   39,049 33,375 SH   SOLE 0 0 0 33,375
COCA COLA CO COM 191216100   212,153 3,654 SH   SOLE 0 1,530 0 2,124
COHEN & STEERS SELECT PFD & COM 19248Y107   278,564 14,833 SH   SOLE 0 0 0 14,833
CONOCOPHILLIPS COM 20825C104   380,805 2,940 SH   SOLE 0 119 0 2,821
COPART INC COM 217204106   216,215 3,976 SH   SOLE 0 1,176 0 2,800
COSTCO WHSL CORP NEW COM 22160K105   1,295,289 1,809 SH   SOLE 0 320 0 1,489
DELTA AIR LINES INC DEL COM NEW 247361702   234,212 5,031 SH   SOLE 0 430 0 4,601
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   356,730 11,120 SH   SOLE 0 0 0 11,120
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   509,352 10,676 SH   SOLE 0 2,955 0 7,721
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   10,923,237 454,567 SH   SOLE 0 96,848 0 357,719
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   4,662,535 80,416 SH   SOLE 0 16,439 0 63,977
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   590,813 10,799 SH   SOLE 0 554 0 10,245
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   1,152,448 35,200 SH   SOLE 0 0 0 35,200
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   221,396 6,219 SH   SOLE 0 2,147 0 4,072
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   13,139,366 375,196 SH   SOLE 0 91,589 0 283,607
DIMENSIONAL ETF TRUST WORLD EQUITY ETF 25434V617   4,531,955 80,226 SH   SOLE 0 40,331 0 39,895
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   17,957,338 620,074 SH   SOLE 0 130,056 0 490,018
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   5,802,620 190,813 SH   SOLE 0 63,696 0 127,117
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   2,186,628 88,996 SH   SOLE 0 24,935 0 64,061
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   646,103 23,100 SH   SOLE 0 1,860 0 21,240
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   210,556 10,251 SH   SOLE 0 3,510 0 6,741
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   358,055 8,778 SH   SOLE 0 3,738 0 5,040
DIREXION SHS ETF TR DLY SMCAP BULL3X 25459W847   1,553,082 45,922 SH   SOLE 0 0 0 45,922
DISNEY WALT CO COM 254687106   348,425 3,060 SH   SOLE 0 825 0 2,234
ELECTRONIC ARTS INC COM 285512109   247,557 1,956 SH   SOLE 0 604 0 1,352
ELI LILLY & CO COM 532457108   894,669 1,198 SH   SOLE 0 88 0 1,110
ENTERPRISE PRODS PARTNERS L COM 293792107   262,534 9,267 SH   SOLE 0 0 0 9,267
EXPEDITORS INTL WASH INC COM 302130109   329,498 2,849 SH   SOLE 0 0 0 2,849
EXTRA SPACE STORAGE INC COM 30225T102   1,462,196 10,766 SH   SOLE 0 37 0 10,729
EXXON MOBIL CORP COM 30231G102   224,070 1,888 SH   SOLE 0 918 0 970
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   5,263,129 220,307 SH   SOLE 0 66,178 0 154,129
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   9,249,640 209,933 SH   SOLE 0 7,421 0 202,512
GLOBAL X FDS GLOBAL X SILVER 37954Y848   266,655 8,700 SH   SOLE 0 0 0 8,700
GOLDMAN SACHS BDC INC SHS 38147U107   181,998 12,166 SH   SOLE 0 172 0 11,994
HEALTHEQUITY INC COM 42226A107   5,446,575 67,853 SH   SOLE 0 0 0 67,853
HOME DEPOT INC COM 437076102   342,090 1,022 SH   SOLE 0 338 0 684
HUNTSMAN CORP COM 447011107   442,359 18,540 SH   SOLE 0 514 0 18,026
INTUITIVE SURGICAL INC COM NEW 46120E602   321,389 849 SH   SOLE 0 89 0 760
INVESCO QQQ TR UNIT SER 1 46090E103   1,965,678 4,560 SH   SOLE 0 1,735 0 2,825
ISHARES INC CORE MSCI EMKT 46434G103   3,897,699 77,892 SH   SOLE 0 26,733 0 51,158
ISHARES INC MSCI EMRG CHN 46434G764   4,572,835 82,423 SH   SOLE 0 21,941 0 60,482
ISHARES INC MSCI EMERG MRKT 464286533   2,052,985 37,219 SH   SOLE 0 15,614 0 21,605
ISHARES INC ESG AWR MSCI EM 46434G863   749,651 24,043 SH   SOLE 0 6,887 0 17,155
ISHARES TR SP SMCP600VL ETF 464287879   1,568,169 16,566 SH   SOLE 0 8,005 0 8,562
ISHARES TR CORE S&P SCP ETF 464287804   4,117,650 39,985 SH   SOLE 0 14,633 0 25,352
ISHARES TR MSCI USA VALUE 46432F388   925,991 9,147 SH   SOLE 0 2,210 0 6,937
ISHARES TR U.S. TECH ETF 464287721   6,489,690 49,396 SH   SOLE 0 13,225 0 36,172
ISHARES TR CORE MSCI TOTAL 46432F834   7,664,572 117,681 SH   SOLE 0 25,910 0 91,771
ISHARES TR GLOBAL ENERG ETF 464287341   1,942,499 44,903 SH   SOLE 0 12,158 0 32,745
ISHARES TR MSCI EAFE MIN VL 46429B689   3,595,954 52,999 SH   SOLE 0 21,328 0 31,671
ISHARES TR EAFE SML CP ETF 464288273   1,414,551 23,362 SH   SOLE 0 10,927 0 12,435
ISHARES TR ESG AW MSCI EAFE 46435G516   329,754 4,317 SH   SOLE 0 0 0 4,317
ISHARES TR MSCI USA MIN VOL 46429B697   1,199,233 15,005 SH   SOLE 0 4,578 0 10,427
ISHARES TR MSCI USA QLT FCT 46432F339   16,854,713 106,460 SH   SOLE 0 29,951 0 76,509
ISHARES TR U.S. MED DVC ETF 464288810   430,538 7,749 SH   SOLE 0 2,195 0 5,554
ISHARES TR ESG MSCI USA ETF 46436E767   481,032 11,226 SH   SOLE 0 2,601 0 8,625
ISHARES TR NATIONAL MUN ETF 464288414   1,386,469 13,054 SH   SOLE 0 6,941 0 6,113
ISHARES TR HDG MSCI EAFE 46434V803   4,139,870 122,048 SH   SOLE 0 33,134 0 88,914
ISHARES TR SHRT NAT MUN ETF 464288158   1,159,146 11,107 SH   SOLE 0 2,548 0 8,559
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,838,142 28,631 SH   SOLE 0 7,123 0 21,508
ISHARES TR S&P 500 GRWT ETF 464287309   11,151,627 135,352 SH   SOLE 0 36,108 0 99,244
ISHARES TR MSCI EMG MKT ETF 464287234   315,479 7,939 SH   SOLE 0 4,264 0 3,675
ISHARES TR MICRO-CAP ETF 464288869   1,336,769 12,022 SH   SOLE 0 5,684 0 6,338
ISHARES TR U S EQUITY FACTR 46434V282   1,901,440 36,878 SH   SOLE 0 5,249 0 31,629
ISHARES TR CORE S&P MCP ETF 464287507   8,497,932 149,060 SH   SOLE 0 35,525 0 113,535
ISHARES TR CORE MSCI EAFE 46432F842   11,389,098 160,613 SH   SOLE 0 48,851 0 111,762
ISHARES TR S&P 500 VAL ETF 464287408   8,626,361 48,819 SH   SOLE 0 13,050 0 35,770
ISHARES TR CORE DIV GRWTH 46434V621   7,052,698 127,697 SH   SOLE 0 35,065 0 92,631
ISHARES TR ESG AWR MSCI USA 46435G425   3,735,145 33,811 SH   SOLE 0 6,536 0 27,275
ISHARES TR CORE US AGGBD ET 464287226   865,823 9,103 SH   SOLE 0 6,468 0 2,635
ISHARES TR CORE MSCI INTL 46435G326   531,922 8,293 SH   SOLE 0 4,703 0 3,590
ISHARES TR ESG EAFE ETF 46436E759   201,595 3,096 SH   SOLE 0 849 0 2,247
ISHARES TR CORE S&P TTL STK 464287150   18,804,143 170,127 SH   SOLE 0 45,775 0 124,352
ISHARES TR EAFE GRWTH ETF 464288885   9,281,824 94,366 SH   SOLE 0 24,638 0 69,728
ISHARES TR US INFRASTRUC 46435U713   1,686,083 40,900 SH   SOLE 0 10,820 0 30,080
ISHARES TR GLOBAL TECH ETF 464287291   483,686 6,664 SH   SOLE 0 2,121 0 4,543
ISHARES TR MSCI USA MMENTM 46432F396   1,440,102 7,927 SH   SOLE 0 0 0 7,927
ISHARES TR CORE S&P500 ETF 464287200   72,383,328 143,056 SH   SOLE 0 41,243 0 101,813
ISHARES TR MSCI EAFE ETF 464287465   824,956 10,819 SH   SOLE 0 4,455 0 6,364
ISHARES TR EAFE VALUE ETF 464288877   8,642,500 165,122 SH   SOLE 0 42,974 0 122,149
ISHARES TR ISHS 1-5YR INVS 464288646   1,896,581 37,452 SH   SOLE 0 6,197 0 31,255
JOHNSON & JOHNSON COM 478160104   607,636 4,207 SH   SOLE 0 1,337 0 2,870
JPMORGAN CHASE & CO COM 46625H100   239,741 1,326 SH   SOLE 0 536 0 790
LOWES COS INC COM 548661107   241,748 1,059 SH   SOLE 0 232 0 827
LULULEMON ATHLETICA INC COM 550021109   257,964 761 SH   SOLE 0 145 0 616
MASTERCARD INCORPORATED CL A 57636Q104   848,189 1,845 SH   SOLE 0 538 0 1,307
MCDONALDS CORP COM 580135101   464,569 1,750 SH   SOLE 0 196 0 1,554
MEDTRONIC PLC SHS G5960L103   241,082 3,042 SH   SOLE 0 1,355 0 1,687
MERCK & CO INC COM 58933Y105   549,673 4,395 SH   SOLE 0 2,369 0 2,026
META PLATFORMS INC CL A 30303M102   1,083,214 2,167 SH   SOLE 0 663 0 1,504
MICROSOFT CORP COM 594918104   6,503,393 15,687 SH   SOLE 0 7,938 0 7,749
MOTOROLA SOLUTIONS INC COM NEW 620076307   206,128 606 SH   SOLE 0 0 0 606
NORTHWESTERN ENERGY GROUP IN COM NEW 668074305   228,914 4,779 SH   SOLE 0 0 0 4,779
NOVARTIS AG SPONSORED ADR 66987V109   205,413 2,204 SH   SOLE 0 828 0 1,376
NUVEEN PFD & INCOME TERM FD COM 67075A106   294,153 15,539 SH   SOLE 0 0 0 15,539
NVIDIA CORPORATION COM 67066G104   2,995,547 3,427 SH   SOLE 0 710 0 2,716
ORACLE CORP COM 68389X105   200,611 1,663 SH   SOLE 0 299 0 1,364
PCM FD INC COM 69323T101   271,895 32,330 SH   SOLE 0 0 0 32,330
PEPSICO INC COM 713448108   1,170,898 6,990 SH   SOLE 0 291 0 6,699
PFIZER INC COM 717081103   256,027 9,966 SH   SOLE 0 5,091 0 4,875
PIMCO ETF TR ACTIVE BD ETF 72201R775   764,943 8,591 SH   SOLE 0 5,067 0 3,524
PINNACLE FINL PARTNERS INC COM 72346Q104   223,113 2,826 SH   SOLE 0 0 0 2,826
PROCTER AND GAMBLE CO COM 742718109   665,852 4,270 SH   SOLE 0 1,309 0 2,961
PROLOGIS INC. COM 74340W103   216,285 1,885 SH   SOLE 0 1,849 0 36
PROSHARES TR ULTRAPRO QQQ 74347X831   428,127 7,675 SH   SOLE 0 3,752 0 3,923
QUALCOMM INC COM 747525103   404,156 2,397 SH   SOLE 0 200 0 2,197
RTX CORPORATION COM 75513E101   272,470 2,702 SH   SOLE 0 0 0 2,702
S&P GLOBAL INC COM 78409V104   236,148 578 SH   SOLE 0 179 0 399
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   271,877 3,785 SH   SOLE 0 0 0 3,785
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   236,635 9,592 SH   SOLE 0 0 0 9,592
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   381,816 8,355 SH   SOLE 0 0 0 8,355
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   432,986 7,404 SH   SOLE 0 0 0 7,404
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,888,439 38,041 SH   SOLE 0 14,051 0 23,990
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   641,011 10,748 SH   SOLE 0 0 0 10,748
SECURITY NATL FINL CORP CL A NEW 814785309   203,618 30,758 SH   SOLE 0 0 0 30,758
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   405,934 2,012 SH   SOLE 0 1,542 0 470
SERVICENOW INC COM 81762P102   836,388 1,123 SH   SOLE 0 272 0 851
SPDR GOLD TR GOLD SHS 78463V107   312,805 1,414 SH   SOLE 0 144 0 1,270
SPDR S&P 500 ETF TR TR UNIT 78462F103   332,330 660 SH   SOLE 0 429 0 231
SPDR SER TR PORTFOLIO S&P500 78464A854   50,680,046 855,793 SH   SOLE 0 224,854 0 630,938
SPROTT PHYSICAL GOLD TR UNIT 85207H104   331,872 17,939 SH   SOLE 0 0 0 17,939
STARBUCKS CORP COM 855244109   249,429 2,920 SH   SOLE 0 2,528 0 392
STRYKER CORPORATION COM 863667101   337,322 999 SH   SOLE 0 700 0 299
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   430,716 3,081 SH   SOLE 0 1,166 0 1,915
TELEDYNE TECHNOLOGIES INC COM 879360105   726,769 1,812 SH   SOLE 0 0 0 1,812
TESLA INC COM 88160R101   849,351 5,406 SH   SOLE 0 2,348 0 3,058
THERMO FISHER SCIENTIFIC INC COM 883556102   336,612 607 SH   SOLE 0 122 0 485
TJX COS INC NEW COM 872540109   203,382 2,178 SH   SOLE 0 198 0 1,980
TRIMBLE INC COM 896239100   362,122 6,146 SH   SOLE 0 138 0 6,008
UNION PAC CORP COM 907818108   1,590,375 6,877 SH   SOLE 0 222 0 6,655
UNITEDHEALTH GROUP INC COM 91324P102   325,879 695 SH   SOLE 0 249 0 446
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,269,581 2,743 SH   SOLE 0 0 0 2,743
VANGUARD INDEX FDS MID CAP ETF 922908629   260,097 1,102 SH   SOLE 0 429 0 673
VANGUARD INDEX FDS VALUE ETF 922908744   257,145 1,661 SH   SOLE 0 136 0 1,525
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,774,270 35,033 SH   SOLE 0 10,574 0 24,459
VANGUARD INDEX FDS LARGE CAP ETF 922908637   995,291 4,309 SH   SOLE 0 1,405 0 2,904
VANGUARD INDEX FDS SM CP VAL ETF 922908611   871,600 4,879 SH   SOLE 0 3,750 0 1,129
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   208,764 5,113 SH   SOLE 0 4,488 0 625
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   222,655 4,660 SH   SOLE 0 1,465 0 3,195
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   410,527 8,227 SH   SOLE 0 7,501 0 726
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   445,219 2,559 SH   SOLE 0 1,142 0 1,417
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   361,887 7,563 SH   SOLE 0 4,892 0 2,671
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   523,669 4,373 SH   SOLE 0 1,405 0 2,968
VANGUARD WORLD FD MEGA CAP INDEX 921910873   5,647,324 31,258 SH   SOLE 0 4,168 0 27,090
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   200,723 791 SH   SOLE 0 624 0 167
VANGUARD WORLD FD ESG US STK ETF 921910733   346,341 3,888 SH   SOLE 0 0 0 3,888
VANGUARD WORLD FD INF TECH ETF 92204A702   1,704,133 3,373 SH   SOLE 0 1,134 0 2,239
VISA INC COM CL A 92826C839   607,360 2,238 SH   SOLE 0 769 0 1,469
WALMART INC COM 931142103   641,045 10,713 SH   SOLE 0 1,232 0 9,480
WELLS FARGO CO NEW COM 949746101   403,688 7,156 SH   SOLE 0 1,278 0 5,878
WHEATON PRECIOUS METALS CORP COM 962879102   203,092 3,962 SH   SOLE 0 0 0 3,962
WISDOMTREE TR EM EX ST-OWNED 97717X578   220,577 7,761 SH   SOLE 0 0 0 7,761
WP CAREY INC COM 92936U109   200,871 3,767 SH   SOLE 0 1,830 0 1,937
ZIONS BANCORPORATION N A COM 989701107   512,818 12,983 SH   SOLE 0 35 0 12,948