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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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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 INC COM 00724F101   266,233 503 SH   SOLE 0 50 0 453
ADVANCED MICRO DEVICES INC COM 007903107   285,503 2,669 SH   SOLE 0 72 0 2,597
ALPHABET INC CAP STK CL A 02079K305   1,052,546 7,604 SH   SOLE 0 2,653 0 4,951
ALPHABET INC CAP STK CL C 02079K107   626,495 4,491 SH   SOLE 0 1,508 0 2,983
AMAZON COM INC COM 023135106   1,799,644 14,031 SH   SOLE 0 5,631 0 8,400
AMEREN CORP COM 023608102   251,451 3,350 SH   SOLE 0 2,850 0 500
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   1,076,589 18,381 SH   SOLE 0 6,448 0 11,933
APPLE INC COM 037833100   13,769,207 76,927 SH   SOLE 0 7,802 0 69,125
APPLIED MATLS INC COM 038222105   413,443 2,950 SH   SOLE 0 0 0 2,950
AT&T INC COM 00206R102   196,000 13,306 SH   SOLE 0 6,142 0 7,164
BECTON DICKINSON & CO COM 075887109   258,623 973 SH   SOLE 0 17 0 956
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,268,259 3,671 SH   SOLE 0 798 0 2,873
BLACKROCK CR ALLOCATION INCO COM 092508100   141,554 14,684 SH   SOLE 0 0 0 14,684
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102   382,460 14,471 SH   SOLE 0 194 0 14,277
BOEING CO COM 097023105   238,701 1,266 SH   SOLE 0 563 0 703
BOOKING HOLDINGS INC COM 09857L108   334,079 111 SH   SOLE 0 35 0 76
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   265,882 4,358 SH   SOLE 0 1,002 0 3,356
CHEVRON CORP NEW COM 166764100   486,942 2,921 SH   SOLE 0 98 0 2,823
CO-DIAGNOSTICS INC COM 189763105   40,950 39,375 SH   SOLE 0 0 0 39,375
COCA COLA CO COM 191216100   207,072 3,916 SH   SOLE 0 1,568 0 2,348
COHEN & STEERS SELECT PFD & COM 19248Y107   260,319 14,833 SH   SOLE 0 0 0 14,833
CONOCOPHILLIPS COM 20825C104   343,969 2,824 SH   SOLE 0 15 0 2,809
COSTCO WHSL CORP NEW COM 22160K105   983,269 1,759 SH   SOLE 0 270 0 1,489
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   431,272 9,176 SH   SOLE 0 0 0 9,176
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   10,454,190 346,395 SH   SOLE 0 79,673 0 266,722
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   207,303 6,444 SH   SOLE 0 2,372 0 4,072
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   9,324,750 417,588 SH   SOLE 0 89,449 0 328,139
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   4,001,883 77,108 SH   SOLE 0 16,570 0 60,538
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   328,210 8,120 SH   SOLE 0 3,264 0 4,856
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   14,486,980 559,775 SH   SOLE 0 121,939 0 437,836
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   5,043,317 191,834 SH   SOLE 0 63,696 0 128,138
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,977,841 88,932 SH   SOLE 0 24,935 0 63,997
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   545,831 21,939 SH   SOLE 0 2,009 0 19,930
DIREXION SHS ETF TR DLY SMCAP BULL3X 25459W847   1,577,316 57,756 SH   SOLE 0 0 0 57,756
DISNEY WALT CO COM 254687106   309,227 3,651 SH   SOLE 0 825 0 2,826
ELECTRONIC ARTS INC COM 285512109   247,922 1,990 SH   SOLE 0 617 0 1,373
ELI LILLY & CO COM 532457108   511,725 895 SH   SOLE 0 15 0 880
ENTERPRISE PRODS PARTNERS L COM 293792107   243,295 8,981 SH   SOLE 0 0 0 8,981
EXPEDITORS INTL WASH INC COM 302130109   332,745 2,849 SH   SOLE 0 0 0 2,849
EXTRA SPACE STORAGE INC COM 30225T102   1,289,622 10,687 SH   SOLE 0 37 0 10,650
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   4,987,841 220,799 SH   SOLE 0 71,203 0 149,596
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   6,460,882 148,697 SH   SOLE 0 7,405 0 141,292
GLOBAL X FDS GLOBAL X SILVER 37954Y848   206,451 8,700 SH   SOLE 0 0 0 8,700
GOLDMAN SACHS BDC INC SHS 38147U107   161,309 11,448 SH   SOLE 0 172 0 11,276
HEALTHEQUITY INC COM 42226A107   5,034,791 67,845 SH   SOLE 0 0 0 67,845
HOME DEPOT INC COM 437076102   298,910 1,012 SH   SOLE 0 237 0 775
HUNTSMAN CORP COM 447011107   431,143 18,464 SH   SOLE 0 514 0 17,950
INTUITIVE SURGICAL INC COM NEW 46120E602   250,611 851 SH   SOLE 0 92 0 759
INVESCO QQQ TR UNIT SER 1 46090E103   1,314,126 3,585 SH   SOLE 0 1,449 0 2,136
ISHARES INC ESG AWR MSCI EM 46434G863   854,017 28,439 SH   SOLE 0 6,752 0 21,687
ISHARES INC MSCI EMERG MRKT 464286533   2,123,334 40,123 SH   SOLE 0 16,119 0 24,004
ISHARES INC CORE MSCI EMKT 46434G103   6,358,581 134,773 SH   SOLE 0 44,181 0 90,592
ISHARES TR CORE DIV GRWTH 46434V621   6,289,730 127,374 SH   SOLE 0 36,288 0 91,086
ISHARES TR CORE MSCI TOTAL 46432F834   7,411,419 124,771 SH   SOLE 0 29,909 0 94,862
ISHARES TR MSCI EAFE MIN VL 46429B689   3,601,255 55,412 SH   SOLE 0 22,211 0 33,201
ISHARES TR SP SMCP600VL ETF 464287879   1,484,583 17,041 SH   SOLE 0 8,277 0 8,764
ISHARES TR CORE S&P SCP ETF 464287804   4,003,336 43,079 SH   SOLE 0 16,541 0 26,539
ISHARES TR ESG AW MSCI EAFE 46435G516   314,874 4,587 SH   SOLE 0 226 0 4,361
ISHARES TR EAFE SML CP ETF 464288273   1,400,536 25,363 SH   SOLE 0 12,031 0 13,332
ISHARES TR U.S. TECH ETF 464287721   3,106,997 28,617 SH   SOLE 0 7,554 0 21,063
ISHARES TR MSCI USA VALUE 46432F388   793,459 8,803 SH   SOLE 0 2,160 0 6,643
ISHARES TR ESG MSCI USA ETF 46436E767   420,182 11,981 SH   SOLE 0 2,766 0 9,215
ISHARES TR SHRT NAT MUN ETF 464288158   1,168,439 11,351 SH   SOLE 0 2,699 0 8,652
ISHARES TR NATIONAL MUN ETF 464288414   1,226,131 11,996 SH   SOLE 0 7,813 0 4,183
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,568,778 26,521 SH   SOLE 0 7,142 0 19,379
ISHARES TR MSCI USA MIN VOL 46429B697   4,303,048 59,083 SH   SOLE 0 17,340 0 41,743
ISHARES TR MSCI USA QLT FCT 46432F339   12,963,744 96,442 SH   SOLE 0 27,282 0 69,160
ISHARES TR U.S. MED DVC ETF 464288810   426,391 8,907 SH   SOLE 0 2,171 0 6,736
ISHARES TR CORE US AGGBD ET 464287226   1,040,153 11,100 SH   SOLE 0 7,688 0 3,411
ISHARES TR ESG AWR MSCI USA 46435G425   7,188,465 75,788 SH   SOLE 0 16,855 0 58,932
ISHARES TR CORE MSCI INTL 46435G326   487,783 8,445 SH   SOLE 0 4,843 0 3,602
ISHARES TR CORE S&P TTL STK 464287150   18,328,095 192,826 SH   SOLE 0 59,436 0 133,390
ISHARES TR BLACKROCK ULTRA 46434V878   610,824 12,156 SH   SOLE 0 4,956 0 7,200
ISHARES TR S&P 500 GRWT ETF 464287309   3,038,908 43,544 SH   SOLE 0 11,520 0 32,024
ISHARES TR MSCI EMG MKT ETF 464287234   359,134 9,539 SH   SOLE 0 5,745 0 3,794
ISHARES TR CORE MSCI EAFE 46432F842   11,652,519 182,699 SH   SOLE 0 61,169 0 121,530
ISHARES TR S&P 500 VAL ETF 464287408   209,843 1,362 SH   SOLE 0 411 0 951
ISHARES TR MICRO-CAP ETF 464288869   1,229,297 12,521 SH   SOLE 0 6,116 0 6,405
ISHARES TR CORE S&P MCP ETF 464287507   8,747,693 35,459 SH   SOLE 0 8,730 0 26,729
ISHARES TR MSCI EAFE ETF 464287465   761,094 11,124 SH   SOLE 0 4,583 0 6,541
ISHARES TR EAFE VALUE ETF 464288877   11,602,829 240,125 SH   SOLE 0 62,416 0 177,709
ISHARES TR ISHS 1-5YR INVS 464288646   1,732,333 34,765 SH   SOLE 0 5,970 0 28,795
ISHARES TR US INFRASTRUC 46435U713   1,232,858 33,991 SH   SOLE 0 8,817 0 25,174
ISHARES TR EAFE GRWTH ETF 464288885   9,990,349 116,126 SH   SOLE 0 30,106 0 86,020
ISHARES TR GLOBAL TECH ETF 464287291   398,633 6,709 SH   SOLE 0 2,121 0 4,588
ISHARES TR U.S. REAL ES ETF 464287739   207,608 2,670 SH   SOLE 0 167 0 2,503
ISHARES TR MSCI USA MMENTM 46432F396   1,135,781 8,036 SH   SOLE 0 14 0 8,022
ISHARES TR CORE S&P500 ETF 464287200   63,512,162 146,271 SH   SOLE 0 43,114 0 103,157
JOHNSON & JOHNSON COM 478160104   794,326 5,010 SH   SOLE 0 1,379 0 3,631
LULULEMON ATHLETICA INC COM 550021109   283,579 761 SH   SOLE 0 145 0 616
MASTERCARD INCORPORATED CL A 57636Q104   736,935 1,867 SH   SOLE 0 549 0 1,318
MCDONALDS CORP COM 580135101   405,236 1,621 SH   SOLE 0 60 0 1,561
MEDTRONIC PLC SHS G5960L103   219,800 2,926 SH   SOLE 0 1,079 0 1,847
MERCK & CO INC COM 58933Y105   455,257 4,357 SH   SOLE 0 2,369 0 1,988
META PLATFORMS INC CL A 30303M102   775,525 2,436 SH   SOLE 0 826 0 1,610
MICROSOFT CORP COM 594918104   4,560,365 13,827 SH   SOLE 0 7,653 0 6,174
NORTHWESTERN CORP COM NEW 668074305   236,232 4,783 SH   SOLE 0 0 0 4,783
NOVARTIS AG SPONSORED ADR 66987V109   208,257 2,134 SH   SOLE 0 790 0 1,344
NUVEEN PFD & INCOME TERM FD COM 67075A106   257,326 15,539 SH   SOLE 0 0 0 15,539
NVIDIA CORPORATION COM 67066G104   1,336,202 2,951 SH   SOLE 0 540 0 2,411
PCM FD INC COM 69323T101   278,685 32,330 SH   SOLE 0 0 0 32,330
PEPSICO INC COM 713448108   1,075,076 6,663 SH   SOLE 0 58 0 6,605
PFIZER INC COM 717081103   334,058 10,062 SH   SOLE 0 6,018 0 4,044
PIMCO ETF TR ACTIVE BD ETF 72201R775   695,522 7,978 SH   SOLE 0 5,067 0 2,911
PROCTER AND GAMBLE CO COM 742718109   650,037 4,534 SH   SOLE 0 1,247 0 3,287
PROSHARES TR ULTRAPRO QQQ 74347X831   232,680 6,139 SH   SOLE 0 2,950 0 3,189
QUALCOMM INC COM 747525103   263,184 2,354 SH   SOLE 0 200 0 2,154
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   246,916 10,414 SH   SOLE 0 0 0 10,414
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   206,020 6,113 SH   SOLE 0 0 0 6,113
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   288,481 7,079 SH   SOLE 0 70 0 7,009
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   396,357 7,883 SH   SOLE 0 0 0 7,883
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,746,644 39,015 SH   SOLE 0 15,312 0 23,702
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   584,939 11,438 SH   SOLE 0 0 0 11,438
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   266,115 4,160 SH   SOLE 0 0 0 4,160
SECURITY NATL FINL CORP CL A NEW 814785309   272,327 34,780 SH   SOLE 0 0 0 34,780
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   339,208 2,006 SH   SOLE 0 1,536 0 470
SERVICENOW INC COM 81762P102   698,200 1,237 SH   SOLE 0 319 0 918
SPDR S&P 500 ETF TR TR UNIT 78462F103   405,435 938 SH   SOLE 0 740 0 198
SPDR SER TR PORTFOLIO S&P500 78464A854   45,712,787 899,504 SH   SOLE 0 234,682 0 664,822
SPROTT PHYSICAL GOLD TR UNIT 85207H104   258,322 17,939 SH   SOLE 0 0 0 17,939
STARBUCKS CORP COM 855244109   273,958 2,956 SH   SOLE 0 2,528 0 428
STRYKER CORPORATION COM 863667101   266,000 997 SH   SOLE 0 700 0 297
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   235,423 2,645 SH   SOLE 0 880 0 1,766
TELEDYNE TECHNOLOGIES INC COM 879360105   743,986 1,812 SH   SOLE 0 0 0 1,812
TESLA INC COM 88160R101   1,341,661 5,167 SH   SOLE 0 2,292 0 2,875
THERMO FISHER SCIENTIFIC INC COM 883556102   282,794 570 SH   SOLE 0 100 0 470
TRIMBLE INC COM 896239100   318,071 6,138 SH   SOLE 0 138 0 6,000
UNION PAC CORP COM 907818108   1,373,305 6,722 SH   SOLE 0 129 0 6,593
UNITEDHEALTH GROUP INC COM 91324P102   206,918 393 SH   SOLE 0 76 0 317
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,336,341 3,364 SH   SOLE 0 661 0 2,703
VANGUARD INDEX FDS SM CP VAL ETF 922908611   768,952 4,887 SH   SOLE 0 3,927 0 960
VANGUARD INDEX FDS LARGE CAP ETF 922908637   840,653 4,243 SH   SOLE 0 1,379 0 2,864
VANGUARD INDEX FDS MID CAP ETF 922908629   270,526 1,300 SH   SOLE 0 538 0 762
VANGUARD INDEX FDS VALUE ETF 922908744   1,769,535 12,893 SH   SOLE 0 1,833 0 11,060
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,400,218 31,948 SH   SOLE 0 9,778 0 22,170
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   314,572 8,095 SH   SOLE 0 6,148 0 1,947
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   218,834 4,660 SH   SOLE 0 1,465 0 3,195
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   479,582 10,031 SH   SOLE 0 9,744 0 287
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   408,652 2,620 SH   SOLE 0 1,276 0 1,344
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   414,697 9,571 SH   SOLE 0 6,921 0 2,650
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   543,538 5,284 SH   SOLE 0 1,405 0 3,879
VANGUARD WORLD FD MEGA CAP INDEX 921910873   4,672,712 30,340 SH   SOLE 0 4,007 0 26,334
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,317,497 3,092 SH   SOLE 0 1,033 0 2,058
VISA INC COM CL A 92826C839   494,799 2,111 SH   SOLE 0 672 0 1,439
WALMART INC COM 931142103   556,242 3,569 SH   SOLE 0 285 0 3,284
WELLS FARGO CO NEW COM 949746101   268,782 6,770 SH   SOLE 0 1,278 0 5,492
WP CAREY INC COM 92936U109   261,768 4,881 SH   SOLE 0 2,902 0 1,979
ZIONS BANCORPORATION N A COM 989701107   452,116 13,309 SH   SOLE 0 35 0 13,274