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
VSS - VANGUARD FTSE ALL WORLD EX-US SMALL CAP ETF ETF 922042718   1,372,525 10,213 SH   SOLE   10,213 0 0
SCHWAB US MID-CAP ETF ETF 808524508   325,520 11,605 SH   SOLE   11,605 0 0
VHT - VANGUARD HEALTH CARE ETF ETF 92204A504   3,473,531 13,987 SH   SOLE   13,987 0 0
SCHG SCHWAB US LARGE CAP GROWTH ETF ETF 808524300   443,407 15,180 SH   SOLE   15,180 0 0
APPLE INC Stock 037833100   3,518,049 17,147 SH   SOLE   17,147 0 0
GLACIER BANCORP INC NEW COM Stock 37637Q105   747,524 17,352 SH   SOLE   17,352 0 0
VANGUARD 0-3 MONTH TREASURY BILL ETF ETF 922040845   1,477,606 19,558 SH   SOLE   19,558 0 0
VGT - VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   14,493,169 21,851 SH   SOLE   21,851 0 0
VANGUARD FINANCIALS ETF ETF 92204A405   2,825,932 22,199 SH   SOLE   22,199 0 0
VDE - VANGUARD ENERGY ETF ETF 92204A306   3,452,019 28,979 SH   SOLE   28,979 0 0
VANGUARD REIT INDEX ETF ETF 922908553   2,718,152 30,521 SH   SOLE   30,521 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201   906,210 37,079 SH   SOLE   37,079 0 0
VANGUARD SMALL CAP ETF ETF 922908751   9,806,469 41,381 SH   SOLE   41,381 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF 92204A884   7,316,930 42,782 SH   SOLE   42,782 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595   13,448,737 48,562 SH   SOLE   48,562 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805   4,077,760 54,450 SH   SOLE   54,450 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   10,952,097 56,161 SH   SOLE   56,161 0 0
VANGUARD MID CAP ETF 922908629   16,212,790 57,938 SH   SOLE   57,938 0 0
VANGUARD MID CAP GROWTH ETF ETF 922908538   23,336,703 82,059 SH   SOLE   82,059 0 0
MGC VANGUARD MEGA CAP CORE ETF ETF 921910873   19,839,265 88,207 SH   SOLE   88,207 0 0
VANGUARD INDEX FDS MID-CAP VALUE INDEX VIPER SHS ETF ETF 922908512   17,253,039 104,907 SH   SOLE   104,907 0 0
IBMS - ISHARES IBONDS DEC 2030 TERM MUNI BOND ETF ETF 46438G687   2,907,508 113,309 SH   SOLE   113,309 0 0
IVE - ISHARES S&0 500 VALUE ETF ETF 464287408   26,745,181 136,860 SH   SOLE   136,860 0 0
MGK - VANGUARD MEGA CAP GROWTH ETF ETF 921910816   55,710,484 152,145 SH   SOLE   152,145 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1   3,898,946 154,843 SH   SOLE   154,843 0 0
ISHARES IBONDS DEC 2025 TERM MUNI BOND ETF ETF 46435U432   4,181,984 156,257 SH   SOLE   156,257 0 0
IBMR - ISHARES IBONDS DEC 2029 TERM MUNI BOND ETF ETF 46436E163   4,686,765 173,871 SH   SOLE   173,871 0 0
IBDW - ISHARES IBONDS DEC 2031 TERM CORPORATE ETF ETF 46436E486   4,451,409 211,570 SH   SOLE   211,570 0 0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515   5,775,921 227,219 SH   SOLE   227,219 0 0
IBDU - ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205   5,525,201 236,828 SH   SOLE   236,828 0 0
ISHARES IBONDS DEC 2026 TERM MUNI BOND ETF ETF 46435U259   6,077,135 237,175 SH   SOLE   237,175 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0   5,774,895 238,140 SH   SOLE   238,140 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9   5,808,065 239,310 SH   SOLE   239,310 0 0
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325   6,155,852 242,261 SH   SOLE   242,261 0 0
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283   6,196,782 244,449 SH   SOLE   244,449 0 0
IBDV - ISHARES IBONDS DEC 2030 TERM CORPORATE ETF ETF 46436E726   5,436,397 247,334 SH   SOLE   247,334 0 0
MGV VANGUARD MEGA CAP VALUE ETF ETF 921910840   41,516,272 316,435 SH   SOLE   316,435 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   16,036,118 324,224 SH   SOLE   324,224 0 0
IVW - ISHARES S&P 500 GROWTH ETF ETF 464287309   35,731,413 324,536 SH   SOLE   324,536 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   33,930,559 595,170 SH   SOLE   595,170 0 0