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
Expires: July 31, 2015
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 294,147 972 SH SOLE 0 0 972
ALPHABET INC CAP STK CL C 02079K107 217,069 1,227 SH SOLE 0 0 1,227
AMAZON COM INC COM 023135106 588,628 2,670 SH SOLE 0 0 2,670
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 6,419,841 86,825 SH SOLE 0 0 86,825
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 42,179,110 531,625 SH SOLE 0 0 531,625
AMERICAN CENTY ETF TR US EQT ETF 025072885 23,307,651 230,313 SH SOLE 0 0 230,313
APPLE INC COM 037833100 1,907,788 9,180 SH SOLE 0 0 9,180
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 467,088 954 SH SOLE 0 0 954
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 14,499,829 343,110 SH SOLE 0 0 343,110
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 22,097,982 341,545 SH SOLE 0 0 341,545
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101 80,519 11,030 SH SOLE 0 0 11,030
HEALTH CATALYST INC COM 42225T107 44,542 10,998 SH SOLE 0 0 10,998
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 345,138 4,706 SH SOLE 0 0 4,706
INVESCO QQQ TR UNIT SER 1 46090E103 497,761 910 SH SOLE 0 0 910
ISHARES TR CORE 60/40 BALAN 464289867 376,440 6,117 SH SOLE 0 0 6,117
ISHARES TR CORE 80/20 AGGRE 464289859 411,465 4,937 SH SOLE 0 0 4,937
ISHARES TR CORE S&P500 ETF 464287200 89,039,728 143,457 SH SOLE 0 0 143,457
JANUS DETROIT STR TR HENDERSON MTG 47103U852 36,443,374 812,743 SH SOLE 0 0 812,743
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 19,346,786 382,574 SH SOLE 0 0 382,574
LOCKHEED MARTIN CORP COM 539830109 470,133 1,009 SH SOLE 0 0 1,009
MARRIOTT INTL INC NEW CL A 571903202 887,321 3,191 SH SOLE 0 0 3,191
MICROSOFT CORP COM 594918104 888,456 1,806 SH SOLE 0 0 1,806
NETFLIX INC COM 64110L106 289,766 224 SH SOLE 0 0 224
RBB FD INC US TREAS 3 MNTH 74933W452 6,867,575 137,848 SH SOLE 0 0 137,848
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 5,556,875 130,904 SH SOLE 0 0 130,904
SPDR GOLD TR GOLD SHS 78463V107 238,351 775 SH SOLE 0 0 775
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 40,295,870 70,243 SH SOLE 0 0 70,243
VANGUARD INDEX FDS GROWTH ETF 922908736 374,082 862 SH SOLE 0 0 862
VANGUARD INDEX FDS MID CAP ETF 922908629 675,995 2,402 SH SOLE 0 0 2,402
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 266,284 469 SH SOLE 0 0 469
VANGUARD INDEX FDS TOTAL STK MKT 922908769 301,306 991 SH SOLE 0 0 991
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 925,416 7,200 SH SOLE 0 0 7,200
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 13,539,271 276,707 SH SOLE 0 0 276,707
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 7,691,772 93,132 SH SOLE 0 0 93,132
VISA INC COM CL A 92826C839 570,174 1,604 SH SOLE 0 0 1,604