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
ABBOTT LABS COM 002824100   233,506 2,306 SH   SOLE   0 0 2,306
ABBVIE INC COM 00287Y109   473,648 2,972 SH   SOLE   0 0 2,972
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   629,639 2,203 SH   SOLE   0 0 2,203
AFLAC INC COM 001055102   246,724 3,824 SH   SOLE   0 0 3,824
AIR PRODS & CHEMS INC COM 009158106   520,847 1,805 SH   SOLE   0 0 1,805
ALASKA AIR GROUP INC COM 011659109   279,873 6,670 SH   SOLE   0 0 6,670
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   340,055 3,328 SH   SOLE   0 0 3,328
ALLSTATE CORP COM 020002101   372,388 3,340 SH   SOLE   0 0 3,340
ALPHABET INC CAP STK CL A 02079K305   463,673 4,470 SH   SOLE   0 0 4,470
ALTRIA GROUP INC COM 02209S103   214,176 4,800 SH   SOLE   0 0 4,800
AMAZON COM INC COM 023135106   492,280 4,766 SH   SOLE   0 0 4,766
AMGEN INC COM 031162100   211,531 875 SH   SOLE   0 0 875
APPLE INC COM 037833100   1,265,278 7,673 SH   SOLE   0 0 7,673
AT&T INC COM 00206R102   231,770 12,040 SH   SOLE   0 0 12,040
AUTOZONE INC COM 053332102   349,057 142 SH   SOLE   0 0 142
AXON ENTERPRISE INC COM 05464C101   285,560 1,270 SH   SOLE   0 0 1,270
BAKER HUGHES COMPANY CL A 05722G100   388,917 13,476 SH   SOLE   0 0 13,476
BANCO BRADESCO S A SP ADR PFD NEW 059460303   68,974 26,326 SH   SOLE   0 0 26,326
BANK AMERICA CORP COM 060505104   413,899 14,472 SH   SOLE   0 0 14,472
BANK NEW YORK MELLON CORP COM 064058100   224,792 4,947 SH   SOLE   0 0 4,947
BECTON DICKINSON & CO COM 075887109   229,470 927 SH   SOLE   0 0 927
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   624,024 2,021 SH   SOLE   0 0 2,021
BHP GROUP LTD SPONSORED ADS 088606108   299,105 4,717 SH   SOLE   0 0 4,717
BLACKBAUD INC COM 09227Q100   302,495 4,365 SH   SOLE   0 0 4,365
BLACKROCK INC COM 09247X101   394,781 590 SH   SOLE   0 0 590
BRISTOL-MYERS SQUIBB CO COM 110122108   313,974 4,530 SH   SOLE   0 0 4,530
BROADCOM INC COM 11135F101   541,460 844 SH   SOLE   0 0 844
CARRIER GLOBAL CORPORATION COM 14448C104   366,915 8,020 SH   SOLE   0 0 8,020
CENTENE CORP DEL COM 15135B101   313,079 4,953 SH   SOLE   0 0 4,953
CHEVRON CORP NEW COM 166764100   1,139,346 6,983 SH   SOLE   0 0 6,983
CHUBB LIMITED COM H1467J104   560,004 2,873 SH   SOLE   0 0 2,873
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   24,846 11,092 SH   SOLE   0 0 11,092
CIENA CORP COM NEW 171779309   236,340 4,500 SH   SOLE   0 0 4,500
CINTAS CORP COM 172908105   295,190 638 SH   SOLE   0 0 638
CISCO SYS INC COM 17275R102   722,075 13,813 SH   SOLE   0 0 13,813
CITIGROUP INC COM NEW 172967424   265,913 5,671 SH   SOLE   0 0 5,671
COCA COLA CO COM 191216100   623,277 10,048 SH   SOLE   0 0 10,048
COLUMBIA SPORTSWEAR CO COM 198516106   244,550 2,710 SH   SOLE   0 0 2,710
COMCAST CORP NEW CL A 20030N101   354,459 9,350 SH   SOLE   0 0 9,350
CONOCOPHILLIPS COM 20825C104   242,469 2,444 SH   SOLE   0 0 2,444
CVS HEALTH CORP COM 126650100   441,401 5,940 SH   SOLE   0 0 5,940
DEERE & CO COM 244199105   244,012 591 SH   SOLE   0 0 591
DISNEY WALT CO COM 254687106   421,647 4,211 SH   SOLE   0 0 4,211
EATON CORP PLC SHS G29183103   470,842 2,748 SH   SOLE   0 0 2,748
EMBRAER S.A. SPONSORED ADS 29082A107   407,695 24,905 SH   SOLE   0 0 24,905
EMERSON ELEC CO COM 291011104   419,841 4,818 SH   SOLE   0 0 4,818
ENBRIDGE INC COM 29250N105   260,450 6,827 SH   SOLE   0 0 6,827
ENEL CHILE S.A. SPONSORED ADR 29278D105   33,704 12,483 SH   SOLE   0 0 12,483
ENGINE NO 1 ETF TRUST TRANSFRM 500 ETF 29287L106   21,033,866 441,981 SH   SOLE   0 0 441,981
EXXON MOBIL CORP COM 30231G102   798,105 7,278 SH   SOLE   0 0 7,278
FIRSTENERGY CORP COM 337932107   426,599 10,649 SH   SOLE   0 0 10,649
GENERAL DYNAMICS CORP COM 369550108   436,566 1,913 SH   SOLE   0 0 1,913
GILEAD SCIENCES INC COM 375558103   225,927 2,723 SH   SOLE   0 0 2,723
GOLDMAN SACHS GROUP INC COM 38141G104   470,384 1,438 SH   SOLE   0 0 1,438
HERSHEY CO COM 427866108   544,437 2,140 SH   SOLE   0 0 2,140
HOME DEPOT INC COM 437076102   325,517 1,103 SH   SOLE   0 0 1,103
HONEYWELL INTL INC COM 438516106   296,427 1,551 SH   SOLE   0 0 1,551
ILLINOIS TOOL WKS INC COM 452308109   233,469 959 SH   SOLE   0 0 959
IMAX CORP COM 45245E109   404,602 21,095 SH   SOLE   0 0 21,095
INFOSYS LTD SPONSORED ADR 456788108   217,773 12,487 SH   SOLE   0 0 12,487
INTEL CORP COM 458140100   236,237 7,231 SH   SOLE   0 0 7,231
INTERNATIONAL PAPER CO COM 460146103   259,199 7,188 SH   SOLE   0 0 7,188
ISHARES INC CORE MSCI EMKT 46434G103   514,735 10,550 SH   SOLE   0 0 10,550
ISHARES TR CORE US AGGBD ET 464287226   761,648 7,644 SH   SOLE   0 0 7,644
ISHARES TR MSCI EAFE ETF 464287465   4,474,649 62,565 SH   SOLE   0 0 62,565
ISHARES TR RUS 1000 ETF 464287622   7,207 32 SH   SOLE   0 0 32
ISHARES TR RUSSELL 2000 ETF 464287655   17,840 100 SH   SOLE   0 0 100
ISHARES TR CORE S&P SCP ETF 464287804   475,764 4,920 SH   SOLE   0 0 4,920
ISHARES TR MSCI ACWI ETF 464288257   1,175,964 12,900 SH   SOLE   0 0 12,900
ISHARES TR EAFE SML CP ETF 464288273   30,766,670 517,000 SH   SOLE   0 0 517,000
ISHARES TR INTL SEL DIV ETF 464288448   6,022,372 219,075 SH   SOLE   0 0 219,075
ISHARES TR PFD AND INCM SEC 464288687   6,244 200 SH   SOLE   0 0 200
ISHARES TR EAFE VALUE ETF 464288877   461,035 9,500 SH   SOLE   0 0 9,500
ISHARES TR CORE HIGH DV ETF 46429B663   1,072,513 10,550 SH   SOLE   0 0 10,550
ISHARES TR MSCI CHINA ETF 46429B671   8,431,410 169,000 SH   SOLE   0 0 169,000
ISHARES TR MSCI USA QLT FCT 46432F339   44,725,433 360,500 SH   SOLE   0 0 360,500
ISHARES TR MSCI USA VALUE 46432F388   388,878 4,200 SH   SOLE   0 0 4,200
ISHARES TR MSCI INTL QUALTY 46434V456   20,173,950 571,500 SH   SOLE   0 0 571,500
ISHARES TR MSCI INTL VLU FT 46435G409   6,780,065 273,500 SH   SOLE   0 0 273,500
JOHNSON & JOHNSON COM 478160104   1,112,590 7,178 SH   SOLE   0 0 7,178
JPMORGAN CHASE & CO COM 46625H100   976,543 7,494 SH   SOLE   0 0 7,494
KINDER MORGAN INC DEL COM 49456B101   438,976 25,070 SH   SOLE   0 0 25,070
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   349,109 19,025 SH   SOLE   0 0 19,025
LAMB WESTON HLDGS INC COM 513272104   280,114 2,680 SH   SOLE   0 0 2,680
LILLY ELI & CO COM 532457108   236,960 690 SH   SOLE   0 0 690
LINDE PLC SHS G54950103   701,994 1,975 SH   SOLE   0 0 1,975
LOWES COS INC COM 548661107   294,756 1,474 SH   SOLE   0 0 1,474
MARATHON PETE CORP COM 56585A102   256,447 1,902 SH   SOLE   0 0 1,902
MCKESSON CORP COM 58155Q103   368,280 1,033 SH   SOLE   0 0 1,033
MDU RES GROUP INC COM 552690109   13,454,482 441,420 SH   SOLE   0 0 441,420
MEDTRONIC PLC SHS G5960L103   618,403 7,632 SH   SOLE   0 0 7,632
METHANEX CORP COM 59151K108   335,947 7,220 SH   SOLE   0 0 7,220
MICROSOFT CORP COM 594918104   1,074,782 3,728 SH   SOLE   0 0 3,728
MOTOROLA SOLUTIONS INC COM NEW 620076307   442,071 1,545 SH   SOLE   0 0 1,545
NEWMONT CORP COM 651639106   446,915 9,117 SH   SOLE   0 0 9,117
NEXTERA ENERGY INC COM 65339F101   304,928 3,956 SH   SOLE   0 0 3,956
NOVARTIS AG SPONSORED ADR 66987V109   323,472 3,516 SH   SOLE   0 0 3,516
NOVO-NORDISK A S ADR 670100205   531,368 3,339 SH   SOLE   0 0 3,339
NVIDIA CORPORATION COM 67066G104   271,104 976 SH   SOLE   0 0 976
OLD DOMINION FREIGHT LINE IN COM 679580100   371,516 1,090 SH   SOLE   0 0 1,090
ON SEMICONDUCTOR CORP COM 682189105   251,982 3,061 SH   SOLE   0 0 3,061
PAYPAL HLDGS INC COM 70450Y103   273,764 3,605 SH   SOLE   0 0 3,605
PEPSICO INC COM 713448108   383,377 2,103 SH   SOLE   0 0 2,103
PFIZER INC COM 717081103   725,342 17,778 SH   SOLE   0 0 17,778
PHILIP MORRIS INTL INC COM 718172109   289,708 2,979 SH   SOLE   0 0 2,979
POSCO HOLDINGS INC SPONSORED ADR 693483109   215,481 3,092 SH   SOLE   0 0 3,092
PROCTER AND GAMBLE CO COM 742718109   1,029,678 6,925 SH   SOLE   0 0 6,925
PROGRESSIVE CORP COM 743315103   552,212 3,860 SH   SOLE   0 0 3,860
QUALCOMM INC COM 747525103   536,346 4,204 SH   SOLE   0 0 4,204
QUANTA SVCS INC COM 74762E102   605,736 3,635 SH   SOLE   0 0 3,635
QUEST DIAGNOSTICS INC COM 74834L100   257,494 1,820 SH   SOLE   0 0 1,820
RAYTHEON TECHNOLOGIES CORP COM 75513E101   516,091 5,270 SH   SOLE   0 0 5,270
REALTY INCOME CORP COM 756109104   593,065 9,350 SH   SOLE   0 0 9,350
SALESFORCE INC COM 79466L302   433,323 2,169 SH   SOLE   0 0 2,169
SANOFI SPONSORED ADR 80105N105   677,257 12,445 SH   SOLE   0 0 12,445
SAP SE SPON ADR 803054204   563,148 4,450 SH   SOLE   0 0 4,450
SCHWAB CHARLES CORP COM 808513105   444,654 8,489 SH   SOLE   0 0 8,489
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   98,928,060 1,518,000 SH   SOLE   0 0 1,518,000
SOUTHERN CO COM 842587107   376,289 5,408 SH   SOLE   0 0 5,408
SPDR SER TR PRTFLO S&P500 VL 78464A508   329,832 8,100 SH   SOLE   0 0 8,100
SPDR SER TR BLOOMBERG SHT TE 78468R408   18,878 760 SH   SOLE   0 0 760
SPDR SER TR PRTFLO S&P500 HI 78468R788   5,890,000 155,000 SH   SOLE   0 0 155,000
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   269,665 2,899 SH   SOLE   0 0 2,899
TE CONNECTIVITY LTD SHS H84989104   247,742 1,889 SH   SOLE   0 0 1,889
TEXAS INSTRS INC COM 882508104   392,109 2,108 SH   SOLE   0 0 2,108
TOTALENERGIES SE SPONSORED ADS 89151E109   342,077 5,793 SH   SOLE   0 0 5,793
TRACTOR SUPPLY CO COM 892356106   252,668 1,075 SH   SOLE   0 0 1,075
TYSON FOODS INC CL A 902494103   266,643 4,495 SH   SOLE   0 0 4,495
UNILEVER PLC SPON ADR NEW 904767704   445,300 8,575 SH   SOLE   0 0 8,575
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405   206,806 23,608 SH   SOLE   0 0 23,608
UNITED PARCEL SERVICE INC CL B 911312106   239,772 1,236 SH   SOLE   0 0 1,236
UNITEDHEALTH GROUP INC COM 91324P102   802,458 1,698 SH   SOLE   0 0 1,698
US BANCORP DEL COM NEW 902973304   342,004 9,398 SH   SOLE   0 0 9,398
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   481,339,802 1,279,949 SH   SOLE   0 0 1,279,949
VANGUARD INDEX FDS GROWTH ETF 922908736   7,904,754 31,690 SH   SOLE   0 0 31,690
VANGUARD INDEX FDS VALUE ETF 922908744   71,428,420 517,185 SH   SOLE   0 0 517,185
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,881,383 9,925 SH   SOLE   0 0 9,925
VANGUARD INDEX FDS TOTAL STK MKT 922908769   28,684,214 140,540 SH   SOLE   0 0 140,540
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   170,367 1,850 SH   SOLE   0 0 1,850
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,622,668 89,670 SH   SOLE   0 0 89,670
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   1,568,677 23,130 SH   SOLE   0 0 23,130
VANGUARD STAR FDS VG TL INTL STK F 921909768   54,136,718 980,560 SH   SOLE   0 0 980,560
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   192,379,933 4,259,020 SH   SOLE   0 0 4,259,020
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   16,458,000 156,000 SH   SOLE   0 0 156,000
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   2,738,190 44,200 SH   SOLE   0 0 44,200
VANGUARD WORLD FD ESG INTL STK ETF 921910725   16,540,786 315,905 SH   SOLE   0 0 315,905
VANGUARD WORLD FD ESG US STK ETF 921910733   21,550,289 300,520 SH   SOLE   0 0 300,520
VANGUARD WORLD FD MEGA GRWTH IND 921910816   601,259 2,940 SH   SOLE   0 0 2,940
VENTAS INC COM 92276F100   231,672 5,299 SH   SOLE   0 0 5,299
VERIZON COMMUNICATIONS INC COM 92343V104   663,658 17,065 SH   SOLE   0 0 17,065
WALMART INC COM 931142103   540,249 3,655 SH   SOLE   0 0 3,655
WARNER BROS DISCOVERY INC COM SER A 934423104   392,766 26,011 SH   SOLE   0 0 26,011
WASTE CONNECTIONS INC COM 94106B101   399,826 2,875 SH   SOLE   0 0 2,875
WELLS FARGO CO NEW COM 949746101   254,558 6,810 SH   SOLE   0 0 6,810
WIPRO LTD SPON ADR 1 SH 97651M109   184,000 40,980 SH   SOLE   0 0 40,980