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
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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
EVERUS CONSTR GROUP COM 300426103 4,102,831 64,581 SH SOLE 0 0 64,581
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 34,848,118 1,665,780 SH SOLE 0 0 1,665,780
ISHARES TR CORE US AGGBD ET 464287226 25,693 259 SH SOLE 0 0 259
ISHARES TR MSCI EMG MKT ETF 464287234 54,656 1,133 SH SOLE 0 0 1,133
ISHARES TR MSCI EAFE ETF 464287465 38,616 432 SH SOLE 0 0 432
ISHARES TR RUS 1000 ETF 464287622 7,810 23 SH SOLE 0 0 23
ISHARES TR RUSSELL 2000 ETF 464287655 163,785 759 SH SOLE 0 0 759
ISHARES TR MSCI ACWI ETF 464288257 1,829,335 14,225 SH SOLE 0 0 14,225
ISHARES TR INTL SEL DIV ETF 464288448 340,959 9,880 SH SOLE 0 0 9,880
ISHARES TR MBS ETF 464288588 300,448 3,200 SH SOLE 0 0 3,200
ISHARES TR PFD AND INCM SEC 464288687 12,272 400 SH SOLE 0 0 400
ISHARES TR EAFE GRWTH ETF 464288885 1,697,360 15,155 SH SOLE 0 0 15,155
ISHARES TR MSCI INTL VLU FT 46435G409 2,554,895 77,680 SH SOLE 0 0 77,680
ISHARES TR FALN ANGLS USD 46435G474 9,933,240 366,000 SH SOLE 0 0 366,000
ISHARES TR BROAD USD HIGH 46435U853 39,310,480 1,048,000 SH SOLE 0 0 1,048,000
KNIFE RIVER CORP COMMON STOCK 498894104 8,723,479 106,853 SH SOLE 0 0 106,853
MDU RES GROUP INC COM 552690109 4,306,378 258,331 SH SOLE 0 0 258,331
PEPSICO INC COM 713448108 412,757 3,126 SH SOLE 0 0 3,126
SPDR SERIES TRUST BLOOMBERG SHT TE 78468R408 25,212,970 989,520 SH SOLE 0 0 989,520
TCW ETF TRUST TRANSFRM 500 ETF 29287L106 76,707,522 1,054,544 SH SOLE 0 0 1,054,544
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 815,311,068 1,435,331 SH SOLE 0 0 1,435,331
VANGUARD INDEX FDS GROWTH ETF 922908736 9,740,810 22,219 SH SOLE 0 0 22,219
VANGUARD INDEX FDS VALUE ETF 922908744 5,387,035 30,480 SH SOLE 0 0 30,480
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,240,803 25,087 SH SOLE 0 0 25,087
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 96,972 1,180 SH SOLE 0 0 1,180
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 104,626,163 1,350,015 SH SOLE 0 0 1,350,015
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 121,895,400 1,606,000 SH SOLE 0 0 1,606,000
VANGUARD STAR FDS VG TL INTL STK F 921909768 286,324,367 4,144,223 SH SOLE 0 0 4,144,223
VANGUARD WORLD FD ESG INTL STK ETF 921910725 19,829,470 302,740 SH SOLE 0 0 302,740
VANGUARD WORLD FD ESG US STK ETF 921910733 25,502,154 232,599 SH SOLE 0 0 232,599
VANGUARD WORLD FD MEGA GRWTH IND 921910816 168,288,070 459,590 SH SOLE 0 0 459,590