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
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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 4,548,425 106,160 SH SOLE 0 0 106,160
EVERUS CONSTR GROUP COM 300426103 5,525,550 64,581 SH SOLE 0 0 64,581
ISHARES INC CORE MSCI EMKT 46434G103 17,443,590 259,500 SH SOLE 0 0 259,500
ISHARES INC MSCI JAPAN ETF 46434G822 30,116,020 373,000 SH SOLE 0 0 373,000
ISHARES TR RUSSELL 2000 ETF 464287655 61,254,454 248,840 SH SOLE 0 0 248,840
ISHARES TR MSCI ACWI ETF 464288257 1,996,141 14,108 SH SOLE 0 0 14,108
ISHARES TR INTL SEL DIV ETF 464288448 194,883 4,940 SH SOLE 0 0 4,940
ISHARES TR MBS ETF 464288588 304,704 3,200 SH SOLE 0 0 3,200
ISHARES TR PFD AND INCM SEC 464288687 6,192 200 SH SOLE 0 0 200
ISHARES TR EAFE VALUE ETF 464288877 56,806,655 795,500 SH SOLE 0 0 795,500
ISHARES TR EAFE GRWTH ETF 464288885 3,487,091 30,610 SH SOLE 0 0 30,610
KNIFE RIVER CORP COMMON STOCK 498894104 7,141,229 101,510 SH SOLE 0 0 101,510
MDU RES GROUP INC COM 552690109 4,790,481 245,414 SH SOLE 0 0 245,414
PEPSICO INC COM 713448108 448,644 3,126 SH SOLE 0 0 3,126
TCW ETF TRUST TRANSFRM 500 ETF 29287L106 64,261,787 801,039 SH SOLE 0 0 801,039
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 740,350,169 1,180,537 SH SOLE 0 0 1,180,537
VANGUARD INDEX FDS GROWTH ETF 922908736 6,753,934 13,844 SH SOLE 0 0 13,844
VANGUARD INDEX FDS VALUE ETF 922908744 3,506,576 18,360 SH SOLE 0 0 18,360
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,187,098 77,885 SH SOLE 0 0 77,885
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 83,620 925 SH SOLE 0 0 925
VANGUARD MALVERN FDS TOTAL TREASURY 922020680 3,451,259 45,325 SH SOLE 0 0 45,325
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 90,558,380 1,923,500 SH SOLE 0 0 1,923,500
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 54,035,540 712,400 SH SOLE 0 0 712,400
VANGUARD STAR FDS VG TL INTL STK F 921909768 214,460,379 2,842,794 SH SOLE 0 0 2,842,794
VANGUARD WORLD FD ESG INTL STK ETF 921910725 12,052,214 168,280 SH SOLE 0 0 168,280
VANGUARD WORLD FD ESG US STK ETF 921910733 20,910,960 172,875 SH SOLE 0 0 172,875
VANGUARD WORLD FD MEGA GRWTH IND 921910816 90,124,202 218,340 SH SOLE 0 0 218,340