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 1,207 6,709 SH   SOLE 0 0 0 6,709
ALPHABET INC CAP STK CL C 02079K107 695 254 SH   SOLE 0 0 0 254
ALPHABET INC CAP STK CL A 02079K305 910 332 SH   SOLE 0 0 0 332
AMAZON COM INC COM 023135106 1,860 572 SH   SOLE 0 0 0 572
AMEREN CORP COM 023608102 296 3,350 SH   SOLE 0 0 0 3,350
APPLE INC COM 037833100 12,942 75,171 SH   SOLE 0 0 0 75,171
APPLIED MATLS INC COM 038222105 980 6,500 SH   SOLE 0 0 0 6,500
ARK ETF TR AUTNMUS TECHNLGY 00214Q203 250 3,426 SH   SOLE 0 0 0 3,426
AT&T INC COM 00206R102 287 10,935 SH   SOLE 0 0 0 10,935
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,073 3,355 SH   SOLE 0 0 0 3,355
BK OF AMERICA CORP COM 060505104 281 5,711 SH   SOLE 0 0 0 5,711
BLACKROCK CR ALLOCATION INCO COM 092508100 224 15,611 SH   SOLE 0 0 0 15,611
BOEING CO COM 097023105 275 1,278 SH   SOLE 0 0 0 1,278
BOOKING HOLDINGS INC COM 09857L108 314 129 SH   SOLE 0 0 0 129
CHEVRON CORP NEW COM 166764100 341 2,729 SH   SOLE 0 0 0 2,729
CO-DIAGNOSTICS INC COM 189763105 319 34,375 SH   SOLE 0 0 0 34,375
COHEN & STEERS SELECT PFD & COM 19248Y107 653 24,500 SH   SOLE 0 0 0 24,500
CONOCOPHILLIPS COM 20825C104 327 4,054 SH   SOLE 0 0 0 4,054
COSTCO WHSL CORP NEW COM 22160K105 880 1,641 SH   SOLE 0 0 0 1,641
DANAHER CORPORATION COM 235851102 330 1,116 SH   SOLE 0 0 0 1,116
DELTA AIR LINES INC DEL COM NEW 247361702 231 5,553 SH   SOLE 0 0 0 5,553
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 421 12,332 SH   SOLE 0 0 0 12,332
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 4,905 171,518 SH   SOLE 0 0 0 171,518
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 2,256 85,993 SH   SOLE 0 0 0 85,993
DISNEY WALT CO COM 254687106 477 3,022 SH   SOLE 0 0 0 3,022
DOMINION ENERGY INC COM 25746U109 404 5,031 SH   SOLE 0 0 0 5,031
DUKE REALTY CORP COM NEW 264411505 211 3,500 SH   SOLE 0 0 0 3,500
ENTERPRISE PRODS PARTNERS L COM 293792107 243 10,400 SH   SOLE 0 0 0 10,400
EXPEDITORS INTL WASH INC COM 302130109 612 4,781 SH   SOLE 0 0 0 4,781
EXTRA SPACE STORAGE INC COM 30225T102 2,445 11,729 SH   SOLE 0 0 0 11,729
FACEBOOK INC CL A 30303M102 930 2,802 SH   SOLE 0 0 0 2,802
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 4,962 149,135 SH   SOLE 0 0 0 149,135
GLOBAL X FDS GLOBAL X SILVER 37954Y848 296 8,700 SH   SOLE 0 0 0 8,700
GOLDMAN SACHS BDC INC SHS 38147U107 194 10,012 SH   SOLE 0 0 0 10,012
HEALTHEQUITY INC COM 42226A107 2,960 65,188 SH   SOLE 0 0 0 65,188
HOME DEPOT INC COM 437076102 376 955 SH   SOLE 0 0 0 955
HUNTSMAN CORP COM 447011107 675 18,869 SH   SOLE 0 0 0 18,869
INTEL CORP COM 458140100 611 11,425 SH   SOLE 0 0 0 11,425
INTERNATIONAL BUSINESS MACHS COM 459200101 402 2,981 SH   SOLE 0 0 0 2,981
INTUITIVE SURGICAL INC COM NEW 46120E602 225 695 SH   SOLE 0 0 0 695
INVESCO QQQ TR UNIT SER 1 46090E103 994 2,617 SH   SOLE 0 0 0 2,617
ISHARES INC CORE MSCI EMKT 46434G103 5,666 94,698 SH   SOLE 0 0 0 94,698
ISHARES INC MSCI EMERG MRKT 464286533 6,921 110,113 SH   SOLE 0 0 0 110,113
ISHARES INC ESG AWR MSCI EM 46434G863 1,052 26,517 SH   SOLE 0 0 0 26,517
ISHARES TR NATIONAL MUN ETF 464288414 2,046 17,669 SH   SOLE 0 0 0 17,669
ISHARES TR U.S. MED DVC ETF 464288810 513 8,248 SH   SOLE 0 0 0 8,248
ISHARES TR MSCI USA MIN VOL 46429B697 3,881 49,403 SH   SOLE 0 0 0 49,403
ISHARES TR CORE S&P MCP ETF 464287507 5,750 20,667 SH   SOLE 0 0 0 20,667
ISHARES TR ESG MSCI USA ETF 46436E767 489 12,916 SH   SOLE 0 0 0 12,916
ISHARES TR ESG AWR MSCI USA 46435G425 25,498 241,874 SH   SOLE 0 0 0 241,874
ISHARES TR MSCI USA VALUE 46432F388 5,550 49,184 SH   SOLE 0 0 0 49,184
ISHARES TR EAFE GRWTH ETF 464288885 11,525 107,717 SH   SOLE 0 0 0 107,717
ISHARES TR U.S. REAL ES ETF 464287739 309 2,784 SH   SOLE 0 0 0 2,784
ISHARES TR USD INV GRDE ETF 464288620 417 7,103 SH   SOLE 0 0 0 7,103
ISHARES TR BLACKROCK ULTRA 46434V878 2,140 42,481 SH   SOLE 0 0 0 42,481
ISHARES TR MSCI EAFE MIN VL 46429B689 6,466 85,558 SH   SOLE 0 0 0 85,558
ISHARES TR CORE MSCI INTL 46435G326 608 9,007 SH   SOLE 0 0 0 9,007
ISHARES TR CORE MSCI EAFE 46432F842 20,817 279,009 SH   SOLE 0 0 0 279,009
ISHARES TR ESG AW MSCI EAFE 46435G516 421 5,290 SH   SOLE 0 0 0 5,290
ISHARES TR EAFE VALUE ETF 464288877 11,712 225,065 SH   SOLE 0 0 0 225,065
ISHARES TR ESG ADV TTL USD 46436E619 397 8,157 SH   SOLE 0 0 0 8,157
ISHARES TR CORE US AGGBD ET 464287226 982 8,731 SH   SOLE 0 0 0 8,731
ISHARES TR MSCI USA MMENTM 46432F396 1,422 8,152 SH   SOLE 0 0 0 8,152
ISHARES TR SHRT NAT MUN ETF 464288158 1,656 15,455 SH   SOLE 0 0 0 15,455
ISHARES TR CORE DIV GRWTH 46434V621 9,118 163,793 SH   SOLE 0 0 0 163,793
ISHARES TR GLOBAL TECH ETF 464287291 367 5,974 SH   SOLE 0 0 0 5,974
ISHARES TR MSCI EAFE ETF 464287465 1,284 16,304 SH   SOLE 0 0 0 16,304
ISHARES TR MSCI EMG MKT ETF 464287234 569 11,644 SH   SOLE 0 0 0 11,644
ISHARES TR SP SMCP600VL ETF 464287879 3,116 29,469 SH   SOLE 0 0 0 29,469
ISHARES TR ESG EAFE ETF 46436E759 221 3,248 SH   SOLE 0 0 0 3,248
ISHARES TR GLOBAL FINLS ETF 464287333 2,938 34,973 SH   SOLE 0 0 0 34,973
ISHARES TR U.S. TECH ETF 464287721 3,310 30,528 SH   SOLE 0 0 0 30,528
ISHARES TR CORE S&P TTL STK 464287150 21,619 206,584 SH   SOLE 0 0 0 206,584
ISHARES TR EAFE SML CP ETF 464288273 2,542 35,171 SH   SOLE 0 0 0 35,171
ISHARES TR S&P 500 VAL ETF 464287408 654 4,129 SH   SOLE 0 0 0 4,129
ISHARES TR CORE S&P SCP ETF 464287804 7,186 63,504 SH   SOLE 0 0 0 63,504
ISHARES TR MICRO-CAP ETF 464288869 2,221 16,279 SH   SOLE 0 0 0 16,279
ISHARES TR TIPS BD ETF 464287176 281 2,230 SH   SOLE 0 0 0 2,230
ISHARES TR MSCI USA QLT FCT 46432F339 315 2,244 SH   SOLE 0 0 0 2,244
ISHARES TR 0-5 YR TIPS ETF 46429B747 863 8,215 SH   SOLE 0 0 0 8,215
ISHARES TR CORE S&P500 ETF 464287200 62,805 134,171 SH   SOLE 0 0 0 134,171
ISHARES TR ISHS 1-5YR INVS 464288646 1,213 22,620 SH   SOLE 0 0 0 22,620
ISHARES TR CORE MSCI TOTAL 46432F834 6,029 85,119 SH   SOLE 0 0 0 85,119
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 229 4,593 SH   SOLE 0 0 0 4,593
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,420 44,881 SH   SOLE 0 0 0 44,881
J P MORGAN EXCHANGE-TRADED F DIV RTN INT EQ 46641Q209 367 6,197 SH   SOLE 0 0 0 6,197
JOHNSON & JOHNSON COM 478160104 650 3,735 SH   SOLE 0 0 0 3,735
KINDER MORGAN INC DEL COM 49456B101 195 11,279 SH   SOLE 0 0 0 11,279
LILLY ELI & CO COM 532457108 232 895 SH   SOLE 0 0 0 895
LOWES COS INC COM 548661107 245 974 SH   SOLE 0 0 0 974
LULULEMON ATHLETICA INC COM 550021109 274 771 SH   SOLE 0 0 0 771
MASTERCARD INCORPORATED CL A 57636Q104 738 1,997 SH   SOLE 0 0 0 1,997
MCDONALDS CORP COM 580135101 380 1,423 SH   SOLE 0 0 0 1,423
MEDTRONIC PLC SHS G5960L103 289 2,753 SH   SOLE 0 0 0 2,753
MERCK & CO INC COM 58933Y105 344 4,285 SH   SOLE 0 0 0 4,285
MICROSOFT CORP COM 594918104 4,405 14,027 SH   SOLE 0 0 0 14,027
NORTHWESTERN CORP COM NEW 668074305 315 5,500 SH   SOLE 0 0 0 5,500
NOVARTIS AG SPONSORED ADR 66987V109 280 3,138 SH   SOLE 0 0 0 3,138
NUVEEN AMT FREE MUN CR INC F COM 67071L106 461 26,822 SH   SOLE 0 0 0 26,822
NUVEEN PFD & INCOME TERM FD COM 67075A106 628 24,500 SH   SOLE 0 0 0 24,500
NVIDIA CORPORATION COM 67066G104 677 2,486 SH   SOLE 0 0 0 2,486
PAYPAL HLDGS INC COM 70450Y103 613 3,265 SH   SOLE 0 0 0 3,265
PCM FD INC COM 69323T101 372 34,500 SH   SOLE 0 0 0 34,500
PEPSICO INC COM 713448108 1,147 6,590 SH   SOLE 0 0 0 6,590
PFIZER INC COM 717081103 651 11,679 SH   SOLE 0 0 0 11,679
PIMCO ETF TR ACTIVE BD ETF 72201R775 758 7,017 SH   SOLE 0 0 0 7,017
PINNACLE FINL PARTNERS INC COM 72346Q104 302 2,826 SH   SOLE 0 0 0 2,826
PROCTER AND GAMBLE CO COM 742718109 458 2,815 SH   SOLE 0 0 0 2,815
PUBLIC STORAGE COM 74460D109 289 812 SH   SOLE 0 0 0 812
QUALCOMM INC COM 747525103 382 2,116 SH   SOLE 0 0 0 2,116
RAYTHEON TECHNOLOGIES CORP COM 75513E101 237 2,623 SH   SOLE 0 0 0 2,623
S&P GLOBAL INC COM 78409V104 209 468 SH   SOLE 0 0 0 468
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 396 5,363 SH   SOLE 0 0 0 5,363
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,126 51,389 SH   SOLE 0 0 0 51,389
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 406 13,694 SH   SOLE 0 0 0 13,694
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 5,429 107,972 SH   SOLE 0 0 0 107,972
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 647 5,807 SH   SOLE 0 0 0 5,807
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,090 25,597 SH   SOLE 0 0 0 25,597
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 581 5,258 SH   SOLE 0 0 0 5,258
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,196 52,096 SH   SOLE 0 0 0 52,096
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 273 1,647 SH   SOLE 0 0 0 1,647
SERVICENOW INC COM 81762P102 639 1,129 SH   SOLE 0 0 0 1,129
SPDR GOLD TR GOLD SHS 78463V107 221 1,316 SH   SOLE 0 0 0 1,316
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 371 6,744 SH   SOLE 0 0 0 6,744
SPDR S&P 500 ETF TR TR UNIT 78462F103 490 1,052 SH   SOLE 0 0 0 1,052
SPDR SER TR S&P 600 SMCP VAL 78464A300 305 3,553 SH   SOLE 0 0 0 3,553
SPDR SER TR PORTFLI INTRMDIT 78464A672 228 7,212 SH   SOLE 0 0 0 7,212
SPDR SER TR PORTFOLIO S&P500 78464A854 22,985 419,284 SH   SOLE 0 0 0 419,284
STARBUCKS CORP COM 855244109 300 2,786 SH   SOLE 0 0 0 2,786
STRYKER CORPORATION COM 863667101 343 1,300 SH   SOLE 0 0 0 1,300
TC ENERGY CORP COM 87807B107 222 4,550 SH   SOLE 0 0 0 4,550
TELEDYNE TECHNOLOGIES INC COM 879360105 735 1,741 SH   SOLE 0 0 0 1,741
TESLA INC COM 88160R101 1,591 1,549 SH   SOLE 0 0 0 1,549
THERMO FISHER SCIENTIFIC INC COM 883556102 358 589 SH   SOLE 0 0 0 589
TRIMBLE INC COM 896239100 486 6,138 SH   SOLE 0 0 0 6,138
UNILEVER PLC SPON ADR NEW 904767704 270 5,022 SH   SOLE 0 0 0 5,022
UNION PAC CORP COM 907818108 1,621 6,364 SH   SOLE 0 0 0 6,364
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 525 6,285 SH   SOLE 0 0 0 6,285
VANGUARD INDEX FDS LARGE CAP ETF 922908637 957 4,438 SH   SOLE 0 0 0 4,438
VANGUARD INDEX FDS SM CP VAL ETF 922908611 939 5,218 SH   SOLE 0 0 0 5,218
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,279 20,522 SH   SOLE 0 0 0 20,522
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,043 4,766 SH   SOLE 0 0 0 4,766
VANGUARD INDEX FDS MID CAP ETF 922908629 349 1,417 SH   SOLE 0 0 0 1,417
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 379 7,664 SH   SOLE 0 0 0 7,664
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 205 3,917 SH   SOLE 0 0 0 3,917
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 723 14,160 SH   SOLE 0 0 0 14,160
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 884 8,237 SH   SOLE 0 0 0 8,237
VANGUARD WELLINGTON FD US MOMENTUM 921935508 238 1,842 SH   SOLE 0 0 0 1,842
VANGUARD WORLD FD MEGA CAP INDEX 921910873 3,102 18,830 SH   SOLE 0 0 0 18,830
VANGUARD WORLD FDS INF TECH ETF 92204A702 2,900 6,669 SH   SOLE 0 0 0 6,669
VERIZON COMMUNICATIONS INC COM 92343V104 307 5,657 SH   SOLE 0 0 0 5,657
VERTEX PHARMACEUTICALS INC COM 92532F100 206 929 SH   SOLE 0 0 0 929
VISA INC COM CL A 92826C839 536 2,471 SH   SOLE 0 0 0 2,471
WALMART INC COM 931142103 501 3,457 SH   SOLE 0 0 0 3,457
WISDOMTREE TR EM EX ST-OWNED 97717X578 3,868 105,660 SH   SOLE 0 0 0 105,660
WP CAREY INC COM 92936U109 390 4,831 SH   SOLE 0 0 0 4,831
XILINX INC COM 983919101 298 1,542 SH   SOLE 0 0 0 1,542
ZIONS BANCORPORATION N A COM 989701107 678 9,676 SH   SOLE 0 0 0 9,676