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
AMERICAN CENTY ETF TR US SML CP VALU 025072877   281,693,543 3,613,772 SH   SOLE   0 0 3,613,772
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   199,986,629 7,784,610 SH   SOLE   0 0 7,784,610
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   184,423,963 7,755,423 SH   SOLE   0 0 7,755,423
ISHARES TR MSCI USA QLT FCT 46432F339   166,989,395 1,265,753 SH   SOLE   0 0 1,265,753
ISHARES TR S&P 100 ETF 464287101   140,600,709 699,984 SH   SOLE   0 0 699,984
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   103,490,132 1,964,505 SH   SOLE   0 0 1,964,505
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   87,279,070 1,814,534 SH   SOLE   0 0 1,814,534
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   65,192,772 2,811,245 SH   SOLE   0 0 2,811,245
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   59,108,618 2,256,054 SH   SOLE   0 0 2,256,054
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   44,097,256 920,803 SH   SOLE   0 0 920,803
VANGUARD INDEX FDS SM CP VAL ETF 922908611   43,171,436 270,684 SH   SOLE   0 0 270,684
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   41,524,475 908,831 SH   SOLE   0 0 908,831
ISHARES TR 0-3 MNTH TREASRY 46436E718   34,406,942 341,779 SH   SOLE   0 0 341,779
ISHARES TR SHRT NAT MUN ETF 464288158   31,215,130 303,472 SH   SOLE   0 0 303,472
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372   27,144,935 624,883 SH   SOLE   0 0 624,883
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   26,143,126 942,264 SH   SOLE   0 0 942,264
MICROSOFT CORP COM 594918104   25,141,018 79,623 SH   SOLE   0 0 79,623
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   24,359,278 716,028 SH   SOLE   0 0 716,028
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   24,023,491 736,465 SH   SOLE   0 0 736,465
APPLE INC COM 037833100   15,776,173 92,161 SH   SOLE   0 0 92,161
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   15,244,725 530,990 SH   SOLE   0 0 530,990
AMERICAN CENTY ETF TR AVANTIS RESPON U 025072281   13,483,447 272,063 SH   SOLE   0 0 272,063
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   12,440,492 567,023 SH   SOLE   0 0 567,023
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   12,369,815 384,873 SH   SOLE   0 0 384,873
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   11,221,953 224,260 SH   SOLE   0 0 224,260
AMERICAN CENTY ETF TR SUSTAINABLE EQTY 025072752   10,961,806 205,972 SH   SOLE   0 0 205,972
ISHARES TR MSCI USA VALUE 46432F388   10,416,529 114,695 SH   SOLE   0 0 114,695
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   10,171,815 270,743 SH   SOLE   0 0 270,743
ISHARES TR MSCI INTL VLU FT 46435G409   8,985,223 354,307 SH   SOLE   0 0 354,307
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   8,657,673 22,019 SH   SOLE   0 0 22,019
ISHARES TR CORE S&P500 ETF 464287200   7,871,960 18,315 SH   SOLE   0 0 18,315
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   7,797,845 92,578 SH   SOLE   0 0 92,578
SPDR SER TR BLOOMBERG HIGH Y 78468R622   6,699,609 74,111 SH   SOLE   0 0 74,111
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   6,331,315 119,934 SH   SOLE   0 0 119,934
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   6,300,942 214,391 SH   SOLE   0 0 214,391
ISHARES TR S&P MC 400VL ETF 464287705   6,290,688 62,261 SH   SOLE   0 0 62,261
AMAZON COM INC COM 023135106   6,179,558 48,612 SH   SOLE   0 0 48,612
NVIDIA CORPORATION COM 67066G104   5,501,877 12,652 SH   SOLE   0 0 12,652
ISHARES TR MRNING SM CP ETF 464288703   5,103,587 98,273 SH   SOLE   0 0 98,273
ISHARES TR EAFE VALUE ETF 464288877   5,081,831 103,859 SH   SOLE   0 0 103,859
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   4,913,941 158,463 SH   SOLE   0 0 158,463
COSTCO WHSL CORP NEW COM 22160K105   4,557,650 8,067 SH   SOLE   0 0 8,067
ISHARES TR EAFE SML CP ETF 464288273   4,011,008 71,029 SH   SOLE   0 0 71,029
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,782,677 17,808 SH   SOLE   0 0 17,808
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,377,044 17,861 SH   SOLE   0 0 17,861
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,148,535 62,224 SH   SOLE   0 0 62,224
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072299   2,968,544 60,531 SH   SOLE   0 0 60,531
TESLA INC COM 88160R101   2,928,295 11,703 SH   SOLE   0 0 11,703
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,869,845 85,488 SH   SOLE   0 0 85,488
ISHARES TR RUSSELL 2000 ETF 464287655   2,718,721 15,375 SH   SOLE   0 0 15,375
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   2,410,447 41,667 SH   SOLE   0 0 41,667
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   2,360,808 74,544 SH   SOLE   0 0 74,544
ISHARES TR HDG MSCI EAFE 46434V803   2,330,764 77,434 SH   SOLE   0 0 77,434
PIMCO EQUITY SER RAFI DYN EMERG 72202L389   2,154,510 118,837 SH   SOLE   0 0 118,837
ISHARES TR GLOBAL ENERG ETF 464287341   2,147,295 52,043 SH   SOLE   0 0 52,043
ISHARES TR RUS 1000 GRW ETF 464287614   2,143,440 8,051 SH   SOLE   0 0 8,051
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   2,126,994 66,179 SH   SOLE   0 0 66,179
ALPHABET INC CAP STK CL C 02079K107   2,122,396 16,097 SH   SOLE   0 0 16,097
J P MORGAN EXCHANGE TRADED F BETABUILDERS I 46641Q373   2,107,393 40,449 SH   SOLE   0 0 40,449
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   2,016,641 89,549 SH   SOLE   0 0 89,549
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,869,469 29,002 SH   SOLE   0 0 29,002
INVESCO QQQ TR UNIT SER 1 04609E107   1,670,602 4,657 SH   SOLE   0 0 4,657
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,554,354 39,642 SH   SOLE   0 0 39,642
STARBUCKS CORP COM 855244109   1,545,937 16,938 SH   SOLE   0 0 16,938
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,495,794 3,490 SH   SOLE   0 0 3,490
VANGUARD INDEX FDS VALUE ETF 922908744   1,424,291 10,326 SH   SOLE   0 0 10,326
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,358,995 18,794 SH   SOLE   0 0 18,794
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   1,278,245 22,969 SH   SOLE   0 0 22,969
ISHARES TR NEW YORK MUN ETF 464288323   1,270,852 24,904 SH   SOLE   0 0 24,904
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,220,821 26,226 SH   SOLE   0 0 26,226
EXXON MOBIL CORP COM 30231G102   1,196,965 10,180 SH   SOLE   0 0 10,180
BANNER CORP COM NEW 06652V208   1,195,667 28,213 SH   SOLE   0 0 28,213
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,170,904 5,983 SH   SOLE   0 0 5,983
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,163,098 22,423 SH   SOLE   0 0 22,423
ISHARES TR CALIF MUN BD ETF 464288356   1,102,668 20,107 SH   SOLE   0 0 20,107
WISDOMTREE TR JAPN HEDGE EQT 97717W851   1,079,474 12,232 SH   SOLE   0 0 12,232
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,038,955 9,783 SH   SOLE   0 0 9,783
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,023,878 23,419 SH   SOLE   0 0 23,419
ISHARES TR MSCI JP VALUE 46435U374   1,019,207 35,699 SH   SOLE   0 0 35,699
PROCTER AND GAMBLE CO COM 742718109   987,242 6,768 SH   SOLE   0 0 6,768
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   969,005 12,891 SH   SOLE   0 0 12,891
WALMART INC COM 931142103   944,615 5,906 SH   SOLE   0 0 5,906
CHEVRON CORP NEW COM 166764100   928,759 5,508 SH   SOLE   0 0 5,508
SPDR INDEX SHS FDS EURO STOXX 50 78463X202   918,591 21,866 SH   SOLE   0 0 21,866
JOHNSON & JOHNSON COM 478160104   914,692 5,873 SH   SOLE   0 0 5,873
ISHARES TR CORE S&P TTL STK 464287150   913,501 9,693 SH   SOLE   0 0 9,693
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217   912,510 18,163 SH   SOLE   0 0 18,163
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   864,974 26,291 SH   SOLE   0 0 26,291
DANAHER CORPORATION COM 235851102   860,433 3,468 SH   SOLE   0 0 3,468
UNITED FIRE GROUP INC COM 910340108   855,867 43,335 SH   SOLE   0 0 43,335
ISHARES U S ETF TR IT RT HDG HGYL 46431W606   847,734 10,176 SH   SOLE   0 0 10,176
ARK ETF TR INNOVATION ETF 00214Q104   837,225 21,105 SH   SOLE   0 0 21,105
FRANKLIN TEMPLETON ETF TR FTSE BRAZIL 35473P835   823,229 44,765 SH   SOLE   0 0 44,765
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   812,213 16,871 SH   SOLE   0 0 16,871
ALPHABET INC CAP STK CL A 02079K305   791,270 6,049 SH   SOLE   0 0 6,049
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   791,094 13,842 SH   SOLE   0 0 13,842
ISHARES TR ESG SCRND S&P SM 46436E544   790,703 23,823 SH   SOLE   0 0 23,823
GRAINGER W W INC COM 384802104   772,094 1,116 SH   SOLE   0 0 1,116
NIKE INC CL B 654106103   766,818 7,993 SH   SOLE   0 0 7,993
META PLATFORMS INC CL A 30303M102   750,100 2,499 SH   SOLE   0 0 2,499
VANGUARD WORLD FD ESG INTL STK ETF 921910725   731,330 14,499 SH   SOLE   0 0 14,499
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   712,728 15,075 SH   SOLE   0 0 15,075
VANGUARD WORLD FD MEGA CAP INDEX 921910873   694,654 4,574 SH   SOLE   0 0 4,574
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   689,775 13,837 SH   SOLE   0 0 13,837
ISHARES TR CORE MSCI EAFE 46432F842   684,427 10,636 SH   SOLE   0 0 10,636
ISHARES TR GLOBAL REIT ETF 46434V647   641,873 30,023 SH   SOLE   0 0 30,023
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072315   630,376 14,048 SH   SOLE   0 0 14,048
PACCAR INC COM 693718108   585,506 6,887 SH   SOLE   0 0 6,887
ARES CAPITAL CORP COM 04010L103   560,036 28,764 SH   SOLE   0 0 28,764
AUTOMATIC DATA PROCESSING IN COM 053015103   556,368 2,301 SH   SOLE   0 0 2,301
ISHARES TR CORE S&P MCP ETF 464287507   549,392 2,194 SH   SOLE   0 0 2,194
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   537,171 7,066 SH   SOLE   0 0 7,066
ISHARES INC EM MKT SM-CP ETF 464286475   525,252 9,620 SH   SOLE   0 0 9,620
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   523,650 9,976 SH   SOLE   0 0 9,976
ISHARES TR CORE HIGH DV ETF 46429B663   519,834 5,200 SH   SOLE   0 0 5,200
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   515,887 15,191 SH   SOLE   0 0 15,191
ISHARES TR MODERT ALLOC ETF 464289875   504,728 12,965 SH   SOLE   0 0 12,965
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   493,661 12,923 SH   SOLE   0 0 12,923
ISHARES TR NATIONAL MUN ETF 464288414   489,321 4,772 SH   SOLE   0 0 4,772
PFIZER INC COM 717081103   479,176 14,446 SH   SOLE   0 0 14,446
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   478,914 3,067 SH   SOLE   0 0 3,067
ABBVIE INC COM 00287Y109   478,071 3,207 SH   SOLE   0 0 3,207
ISHARES TR U S EQUITY FACTR 46434V282   470,793 10,820 SH   SOLE   0 0 10,820
JPMORGAN CHASE & CO COM 46625H100   466,965 3,220 SH   SOLE   0 0 3,220
COLGATE PALMOLIVE CO COM 194162103   465,984 6,553 SH   SOLE   0 0 6,553
AMGEN INC COM 031162100   429,216 1,597 SH   SOLE   0 0 1,597
MERCK & CO INC COM 58933Y105   425,651 4,105 SH   SOLE   0 0 4,105
ALPS ETF TR ALERIAN MLP 00162Q452   409,383 9,701 SH   SOLE   0 0 9,701
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   391,490 2,763 SH   SOLE   0 0 2,763
ISHARES TR MSCI INDIA ETF 46429B598   387,500 8,763 SH   SOLE   0 0 8,763
ISHARES INC MSCI BRAZIL ETF 464286400   382,241 12,463 SH   SOLE   0 0 12,463
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   375,335 8,573 SH   SOLE   0 0 8,573
ISHARES TR MSCI GBL SUS DEV 46435G532   369,694 4,961 SH   SOLE   0 0 4,961
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   360,089 4,748 SH   SOLE   0 0 4,748
HOME DEPOT INC COM 437076102   359,184 1,189 SH   SOLE   0 0 1,189
AMERICAN CENTY ETF TR US EQT ETF 025072885   356,126 4,861 SH   SOLE   0 0 4,861
DISNEY WALT CO COM 254687106   355,729 4,389 SH   SOLE   0 0 4,389
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   349,335 3,749 SH   SOLE   0 0 3,749
ORACLE CORP COM 68389X105   346,661 3,273 SH   SOLE   0 0 3,273
PEPSICO INC COM 713448108   336,700 1,987 SH   SOLE   0 0 1,987
UNITEDHEALTH GROUP INC COM 91324P102   334,278 663 SH   SOLE   0 0 663
MCDONALDS CORP COM 580135101   325,876 1,237 SH   SOLE   0 0 1,237
UNITED PARCEL SERVICE INC CL B 911312106   318,755 2,045 SH   SOLE   0 0 2,045
INTEL CORP COM 458140100   318,422 8,957 SH   SOLE   0 0 8,957
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   315,095 4,453 SH   SOLE   0 0 4,453
BOEING CO COM 097023105   313,669 1,636 SH   SOLE   0 0 1,636
ISHARES TR ESG SCRND S&P500 46436E569   310,288 9,524 SH   SOLE   0 0 9,524
SPDR SER TR S&P SEMICNDCTR 78464A862   303,054 1,546 SH   SOLE   0 0 1,546
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   298,285 651 SH   SOLE   0 0 651
VISA INC COM CL A 92826C839   288,411 1,254 SH   SOLE   0 0 1,254
ISHARES TR CORE S&P SCP ETF 464287804   285,316 3,010 SH   SOLE   0 0 3,010
ISHARES TR MSCI EAFE ETF 464287465   284,032 4,121 SH   SOLE   0 0 4,121
ISHARES TR MSCI USA MIN VOL 46429B697   280,808 3,859 SH   SOLE   0 0 3,859
SELECT SECTOR SPDR TR ENERGY 81369Y506   274,696 3,039 SH   SOLE   0 0 3,039
AMERICAN EXPRESS CO COM 025816109   267,946 1,796 SH   SOLE   0 0 1,796
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   267,762 1,862 SH   SOLE   0 0 1,862
RUMBLE INC COM CL A 78137L105   262,880 51,545 SH   SOLE   0 0 51,545
3M CO COM 88579Y101   262,324 2,802 SH   SOLE   0 0 2,802
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   257,164 2,489 SH   SOLE   0 0 2,489
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   255,216 6,556 SH   SOLE   0 0 6,556
COLUMBIA BKG SYS INC COM 197236102   249,000 12,266 SH   SOLE   0 0 12,266
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   248,164 7,695 SH   SOLE   0 0 7,695
ISHARES GOLD TR ISHARES NEW 464285204   248,115 7,091 SH   SOLE   0 0 7,091
CANADIAN PACIFIC KANSAS CITY COM 13646K108   248,031 3,327 SH   SOLE   0 0 3,327
ISHARES TR RUS 1000 VAL ETF 464287598   245,934 1,610 SH   SOLE   0 0 1,610
COCA COLA CO COM 191216100   242,949 4,327 SH   SOLE   0 0 4,327
VERIZON COMMUNICATIONS INC COM 92343V104   242,913 7,495 SH   SOLE   0 0 7,495
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   242,885 4,131 SH   SOLE   0 0 4,131
NETFLIX INC COM 64110L106   238,266 631 SH   SOLE   0 0 631
INTERNATIONAL BUSINESS MACHS COM 459200101   237,849 1,695 SH   SOLE   0 0 1,695
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   228,767 3,882 SH   SOLE   0 0 3,882
SOUTHERN CO COM 842587107   222,314 3,435 SH   SOLE   0 0 3,435
ROCKWELL AUTOMATION INC COM 773903109   219,263 767 SH   SOLE   0 0 767
BOSTON BEER INC CL A 100557107   216,190 555 SH   SOLE   0 0 555
BRISTOL-MYERS SQUIBB CO COM 110122108   214,748 3,700 SH   SOLE   0 0 3,700
HONEYWELL INTL INC COM 438516106   214,668 1,162 SH   SOLE   0 0 1,162
ABCAM PLC ADS 000380204   212,338 9,383 SH   SOLE   0 0 9,383
BROADCOM INC COM 11135F101   207,645 250 SH   SOLE   0 0 250
SPDR GOLD TR GOLD SHS 78463V107   202,483 1,181 SH   SOLE   0 0 1,181
CONOCOPHILLIPS COM 20825C104   201,863 1,685 SH   SOLE   0 0 1,685
FEDEX CORP COM 31428X106   200,168 752 SH   SOLE   0 0 752
AT&T INC COM 00206R102   177,678 11,829 SH   SOLE   0 0 11,829
HEALTH CATALYST INC COM 42225T107   101,200 10,000 SH   SOLE   0 0 10,000
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   93,283 27,196 SH   SOLE   0 0 27,196
BANCO SANTANDER S.A. ADR 05964H105   90,793 24,147 SH   SOLE   0 0 24,147
TCW STRATEGIC INCOME FD INC COM 872340104   85,526 18,465 SH   SOLE   0 0 18,465
ABRDN ASIA PACIFIC INCOME FU COM 003009107   62,745 25,610 SH   SOLE   0 0 25,610
MANHATTAN BRDG CAP INC COM 562803106   25,817 25,817 SH   SOLE   0 0 25,817
CHROMADEX CORP COM NEW 171077407   17,228 11,800 SH   SOLE   0 0 11,800