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
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 14,525,664 132,800 SH SOLE 0 0 132,800
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 4,396,027 97,322 SH SOLE 0 0 97,322
EVERUS CONSTR GROUP COM 300426103 7,385,192 62,842 SH SOLE 0 0 62,842
ISHARES INC CORE MSCI EMKT 46434G103 14,209,087 175,075 SH SOLE 0 0 175,075
ISHARES INC MSCI JAPAN ETF 46434G822 13,762,327 141,210 SH SOLE 0 0 141,210
ISHARES TR MSCI EAFE ETF 464287465 7,556,439 72,735 SH SOLE 0 0 72,735
ISHARES TR RUSSELL 2000 ETF 464287655 1,906,923 6,862 SH SOLE 0 0 6,862
ISHARES TR MSCI ACWI ETF 464288257 2,137,173 13,461 SH SOLE 0 0 13,461
ISHARES TR NATIONAL MUN ETF 464288414 79,364 785 SH SOLE 0 0 785
ISHARES TR INTL SEL DIV ETF 464288448 7,918,430 187,685 SH SOLE 0 0 187,685
ISHARES TR PFD AND INCM SEC 464288687 5,900 200 SH SOLE 0 0 200
ISHARES TR EAFE VALUE ETF 464288877 35,931,539 454,025 SH SOLE 0 0 454,025
ISHARES TR EAFE GRWTH ETF 464288885 2,194,741 18,315 SH SOLE 0 0 18,315
KNIFE RIVER CORP COMMON STOCK 498894104 5,118,134 101,510 SH SOLE 0 0 101,510
MDU RES GROUP INC COM 552690109 4,549,976 245,414 SH SOLE 0 0 245,414
PEPSICO INC COM 713448108 396,127 3,126 SH SOLE 0 0 3,126
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 23,923,500 389,000 SH SOLE 0 0 389,000
SPDR SERIES TRUST ST TERM HIGH ETF 78468R408 11,805,385 486,820 SH SOLE 0 0 486,820
TCW ETF TRUST TRANSFRM 500 ETF 29287L106 73,618,671 817,456 SH SOLE 0 0 817,456
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 74,310,135 1,499,700 SH SOLE 0 0 1,499,700
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 822,969,610 1,174,228 SH SOLE 0 0 1,174,228
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 9,405,095 104,373 SH SOLE 0 0 104,373
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 4,442,414 20,559 SH SOLE 0 0 20,559
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 22,307,362 141,320 SH SOLE 0 0 141,320
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,659,313 129,140 SH SOLE 0 0 129,140
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 35,065,531 302,785 SH SOLE 0 0 302,785
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,802,836 20,770 SH SOLE 0 0 20,770
VANGUARD MALVERN FDS TOTAL TREASURY 922020680 3,327,573 46,063 SH SOLE 0 0 46,063
VANGUARD MALVERN FDS GOVT ACTIV ETF 922020714 466,636 6,479 SH SOLE 0 0 6,479
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 77,946,023 1,009,010 SH SOLE 0 0 1,009,010
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 42,201,491 950,270 SH SOLE 0 0 950,270
VANGUARD STAR FDS VG TL INTL STK F 921909768 238,320,429 2,805,090 SH SOLE 0 0 2,805,090
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,394,953 33,918 SH SOLE 0 0 33,918
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 19,324,728 124,515 SH SOLE 0 0 124,515
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 9,455,655 93,500 SH SOLE 0 0 93,500
VANGUARD WORLD FD ESG INTL STK ETF 921910725 19,544,502 241,082 SH SOLE 0 0 241,082
VANGUARD WORLD FD ESG US STK ETF 921910733 33,726,948 248,852 SH SOLE 0 0 248,852
VANGUARD WORLD FD MRNGSTR MEGA CAP 921910816 1,342,238 14,487 SH SOLE 0 0 14,487