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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 4,418,836 97,979 SH SOLE 0 0 97,979
EVERUS CONSTR GROUP COM 300426103 10,428,630 62,842 SH SOLE 0 0 62,842
ISHARES INC CORE MSCI EMKT 46434G103 46,154,720 557,155 SH SOLE 0 0 557,155
ISHARES TR MSCI EAFE ETF 464287465 7,555,712 72,735 SH SOLE 0 0 72,735
ISHARES TR RUSSELL 2000 ETF 464287655 84,150,434 280,081 SH SOLE 0 0 280,081
ISHARES TR MSCI ACWI ETF 464288257 2,124,782 13,536 SH SOLE 0 0 13,536
ISHARES TR NATIONAL MUN ETF 464288414 84,482 785 SH SOLE 0 0 785
ISHARES TR INTL SEL DIV ETF 464288448 7,775,790 187,685 SH SOLE 0 0 187,685
ISHARES TR PFD AND INCM SEC 464288687 6,098 200 SH SOLE 0 0 200
ISHARES TR EAFE GRWTH ETF 464288885 2,278,809 18,315 SH SOLE 0 0 18,315
KNIFE RIVER CORP COMMON STOCK 498894104 8,491,312 101,510 SH SOLE 0 0 101,510
MDU RES GROUP INC COM 552690109 5,205,231 245,414 SH SOLE 0 0 245,414
PEPSICO INC COM 713448108 423,260 3,126 SH SOLE 0 0 3,126
TCW ETF TRUST TRANSFRM 500 ETF 29287L106 78,418,634 889,414 SH SOLE 0 0 889,414
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 920,084,477 1,339,649 SH SOLE 0 0 1,339,649
VANGUARD INDEX FDS GROWTH ETF 922908736 5,989,880 69,537 SH SOLE 0 0 69,537
VANGUARD INDEX FDS VALUE ETF 922908744 3,175,859 14,573 SH SOLE 0 0 14,573
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 16,488,382 105,055 SH SOLE 0 0 105,055
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,496,337 92,081 SH SOLE 0 0 92,081
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 79,248 685 SH SOLE 0 0 685
VANGUARD MALVERN FDS TOTAL TREASURY 922020680 3,433,820 45,614 SH SOLE 0 0 45,614
VANGUARD MALVERN FDS GOVT ACTIV ETF 922020714 486,032 6,458 SH SOLE 0 0 6,458
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 56,680,591 1,210,865 SH SOLE 0 0 1,210,865
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 45,324,580 602,320 SH SOLE 0 0 602,320
VANGUARD STAR FDS VG TL INTL STK F 921909768 238,533,924 2,790,197 SH SOLE 0 0 2,790,197
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 319,577 4,485 SH SOLE 0 0 4,485
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 19,677,105 124,515 SH SOLE 0 0 124,515
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 9,181,700 93,500 SH SOLE 0 0 93,500
VANGUARD WORLD FD ESG INTL STK ETF 921910725 19,316,159 234,590 SH SOLE 0 0 234,590
VANGUARD WORLD FD ESG US STK ETF 921910733 30,525,740 230,836 SH SOLE 0 0 230,836
VANGUARD WORLD FD MEGA GRWTH IND 921910816 32,631,342 371,190 SH SOLE 0 0 371,190