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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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 39,612,685 1,000,573 SH SOLE 0 0 1,000,573
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 815,079 20,588 SH DFND 0 0 20,588
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 3,299,111 55,410 SH SOLE 0 0 55,410
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 12,754,892 299,692 SH SOLE 0 0 299,692
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 86,950 2,043 SH DFND 0 0 2,043
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 4,459,049 92,569 SH SOLE 0 0 92,569
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 616,712 13,237 SH SOLE 0 0 13,237
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 42,163,735 1,288,229 SH SOLE 0 0 1,288,229
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 943,311 28,821 SH DFND 0 0 28,821
VANGUARD INDEX FDS LARGE CAP ETF 922908637 4,833,754 15,355 SH SOLE 0 0 15,355
DIMENSIONAL ETF TRUST GLOBAL EX US COR 25434V575 10,222,875 194,222 SH SOLE 0 0 194,222
DIMENSIONAL ETF TRUST GLOBAL EX US COR 25434V575 88,111 1,674 SH DFND 0 0 1,674
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 12,405,672 258,721 SH SOLE 0 0 258,721
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 87,125 1,817 SH DFND 0 0 1,817
DIMENSIONAL ETF TRUST ULTRASHORT FIXED 25434V591 10,699,610 211,246 SH SOLE 0 0 211,246
DIMENSIONAL ETF TRUST ULTRASHORT FIXED 25434V591 86,865 1,715 SH DFND 0 0 1,715
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 5,336,178 155,983 SH SOLE 0 0 155,983
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 119,803 3,502 SH DFND 0 0 3,502
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 2,720,846 118,808 SH SOLE 0 0 118,808
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 32,817 1,433 SH DFND 0 0 1,433
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,449,492 27,681 SH SOLE 0 0 27,681
PEPSICO INC COM 713448108 289,193 2,015 SH SOLE 0 0 2,015
PEPSICO INC COM 713448108 63,149 440 SH DFND 0 0 440
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 12,047,256 257,420 SH SOLE 0 0 257,420
DIMENSIONAL ETF TRUST GLOBAL CORE PLUS 25434V583 356,051 6,585 SH SOLE 0 0 6,585
ABBVIE INC COM 00287Y109 175,252 767 SH SOLE 0 0 767
ABBVIE INC COM 00287Y109 124,984 547 SH DFND 0 0 547
APPLE INC COM 037833100 1,183,381 4,353 SH SOLE 0 0 4,353
APPLE INC COM 037833100 1,242,672 4,571 SH DFND 0 0 4,571
EXXON MOBIL CORP COM 30231G102 2,407 20 SH SOLE 0 0 20
EXXON MOBIL CORP COM 30231G102 199,403 1,657 SH DFND 0 0 1,657
JPMORGAN CHASE & CO. COM 46625H100 13,855 43 SH SOLE 0 0 43
JPMORGAN CHASE & CO. COM 46625H100 329,631 1,023 SH DFND 0 0 1,023
MICROSOFT CORP COM 594918104 374,806 775 SH SOLE 0 0 775
MICROSOFT CORP COM 594918104 1,123,231 2,323 SH DFND 0 0 2,323
NVIDIA CORPORATION COM 67066G104 264,508 1,418 SH SOLE 0 0 1,418
NVIDIA CORPORATION COM 67066G104 1,367,472 7,332 SH DFND 0 0 7,332
ORACLE CORP COM 68389X105 9,892 51 SH SOLE 0 0 51
ORACLE CORP COM 68389X105 359,219 1,843 SH DFND 0 0 1,843
PROCTER AND GAMBLE CO COM 742718109 1,478,959 10,320 SH SOLE 0 0 10,320
PROCTER AND GAMBLE CO COM 742718109 71,368 498 SH DFND 0 0 498
ALPHABET INC CAP STK CL A 02079K305 322,390 1,030 SH SOLE 0 0 1,030
ALPHABET INC CAP STK CL A 02079K305 685,157 2,189 SH DFND 0 0 2,189
AMAZON COM INC COM 023135106 34,392 149 SH SOLE 0 0 149
AMAZON COM INC COM 023135106 705,155 3,055 SH DFND 0 0 3,055
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 465,957 927 SH SOLE 0 0 927
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 185,478 369 SH DFND 0 0 369
INVESCO QQQ TR UNIT SER 1 46090E103 836,076 1,361 SH SOLE 0 0 1,361
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,366,690 33,970 SH SOLE 0 0 33,970
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 1,455,814 44,698 SH SOLE 0 0 44,698
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 1,461,872 44,884 SH DFND 0 0 44,884
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 873,825 26,788 SH SOLE 0 0 26,788
SPDR SERIES TRUST STATE STREET SPD 78464A508 450,901 7,937 SH SOLE 0 0 7,937
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 600,219 2,731 SH SOLE 0 0 2,731
ALPHABET INC CAP STK CL C 02079K107 569,861 1,816 SH DFND 0 0 1,816
BROADCOM INC COM 11135F101 506,420 1,463 SH DFND 0 0 1,463
ELI LILLY & CO COM 532457108 252,550 235 SH DFND 0 0 235
GILEAD SCIENCES INC COM 375558103 57,811 471 SH DFND 0 0 471
GILEAD SCIENCES INC COM 375558103 2,452,713 19,983 SH SOLE 0 0 19,983
META PLATFORMS INC CL A 30303M102 511,827 775 SH DFND 0 0 775
META PLATFORMS INC CL A 30303M102 6,601 10 SH SOLE 0 0 10
OTTER TAIL CORP COM 689648103 4,041 50 SH DFND 0 0 50
OTTER TAIL CORP COM 689648103 539,568 6,677 SH SOLE 0 0 6,677
TESLA INC COM 88160R101 344,935 767 SH DFND 0 0 767
TESLA INC COM 88160R101 19,338 43 SH SOLE 0 0 43
WELLS FARGO CO NEW COM 949746101 298,613 3,204 SH DFND 0 0 3,204
WELLS FARGO CO NEW COM 949746101 9,320 100 SH SOLE 0 0 100
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 3,677,996 96,510 SH SOLE 0 0 96,510
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 2,824,408 74,112 SH DFND 0 0 74,112
ISHARES TR CORE S&P TTL STK 464287150 338,865 2,279 SH DFND 0 0 2,279
ALERUS FINL CORP COM 01446U103 634,758 28,186 SH SOLE 0 0 28,186
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 519,004 15,780 SH SOLE 0 0 15,780
SPDR SERIES TRUST STATE STREET SPD 78468R788 420,390 9,720 SH SOLE 0 0 9,720
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 330,724 4,459 SH SOLE 0 0 4,459
VANGUARD INDEX FDS VALUE ETF 922908744 992,193 5,195 SH SOLE 0 0 5,195
DIMENSIONAL ETF TRUST CALIF MUN BD ETF 25434V633 293,220 5,855 SH SOLE 0 0 5,855