# EDGAR Filing Document

**Accession Number:** 0001795173
**File Stem:** 0001795173-23-000001
**Filing Date:** 2023-1
**Character Count:** 18661
**Document Hash:** 9276b11bb2ce5ec63f8f92bb9bbc065e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001795173-23-000001.hdr.sgml**: 20230125

**ACCESSION NUMBER**: 0001795173-23-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230125

**DATE AS OF CHANGE**: 20230125

**EFFECTIVENESS DATE**: 20230125

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** UMA Financial Services, Inc.
- **CENTRAL INDEX KEY:** 0001795173
- **IRS NUMBER:** 870513295
- **STATE OF INCORPORATION:** UT
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19642
- **FILM NUMBER:** 23551980

**BUSINESS ADDRESS:**
- **STREET 1:** 310 EAST 4500 SOUTH
- **STREET 2:** #550
- **CITY:** SALT LAKE CITY
- **STATE:** UT
- **ZIP:** 84107
- **BUSINESS PHONE:** 8017479903

**MAIL ADDRESS:**
- **STREET 1:** 310 EAST 4500 SOUTH
- **STREET 2:** #550
- **CITY:** SALT LAKE CITY
- **STATE:** UT
- **ZIP:** 84107

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** UMA Financial Services Inc.<br>**Address:** 310 EAST 4500 SOUTH

#550<br>SALT LAKE CITY, UT 84107

**Form 13F File Number:** 028-19642

**CRD Number (if applicable):** 000106043

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Melissa Saez<br>**Title:** Compliance Analyst<br>**Phone:** 801-747-9908

**Signature, Place, and Date of Signing:**

Melissa Saez  Salt Lake City, UT  01-25-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 150

**Form 13F Information Table Value Total:** $370553285

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| 3M CO | COM | 88579Y101 |  | 779000 | 6774 | SH |  | SOLE | 0 | 0 | 0 | 6774 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 679406 | 6954 | SH |  | SOLE | 0 | 0 | 0 | 6954 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 523634 | 5278 | SH |  | SOLE | 0 | 0 | 0 | 5278 |
| AMAZON COM INC | COM | 023135106 |  | 1360059 | 14120 | SH |  | SOLE | 0 | 0 | 0 | 14120 |
| AMEREN CORP | COM | 023608102 |  | 289675 | 3350 | SH |  | SOLE | 0 | 0 | 0 | 3350 |
| AMERICAN CENTY ETF TR | AVANTIS ALL EQT | 025072232 |  | 789439 | 13369 | SH |  | SOLE | 0 | 0 | 0 | 13369 |
| APPLE INC | COM | 037833100 |  | 10658762 | 74783 | SH |  | SOLE | 0 | 0 | 0 | 74783 |
| APPLIED MATLS INC | COM | 038222105 |  | 350156 | 3099 | SH |  | SOLE | 0 | 0 | 0 | 3099 |
| AT INC | COM | 00206R102 |  | 219469 | 11455 | SH |  | SOLE | 0 | 0 | 0 | 11455 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 239115 | 973 | SH |  | SOLE | 0 | 0 | 0 | 973 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1122337 | 3605 | SH |  | SOLE | 0 | 0 | 0 | 3605 |
| BLACKROCK CR ALLOCATION INCO | COM | 092508100 |  | 142256 | 12839 | SH |  | SOLE | 0 | 0 | 0 | 12839 |
| BLACKSTONE SECD LENDING FD | COMMON STOCK | 09261X102 |  | 313432 | 13406 | SH |  | SOLE | 0 | 0 | 0 | 13406 |
| BOEING CO | COM | 097023105 |  | 261665 | 1234 | SH |  | SOLE | 0 | 0 | 0 | 1234 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 309902 | 129 | SH |  | SOLE | 0 | 0 | 0 | 129 |
| CHEVRON CORP NEW | COM | 166764100 |  | 521959 | 2886 | SH |  | SOLE | 0 | 0 | 0 | 2886 |
| CO-DIAGNOSTICS INC | COM | 189763105 |  | 110447 | 39375 | SH |  | SOLE | 0 | 0 | 0 | 39375 |
| COHEN  STEERS SELECT PFD | COM | 19248Y107 |  | 308526 | 14833 | SH |  | SOLE | 0 | 0 | 0 | 14833 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 334723 | 2817 | SH |  | SOLE | 0 | 0 | 0 | 2817 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 827255 | 1681 | SH |  | SOLE | 0 | 0 | 0 | 1681 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 8017093 | 282193 | SH |  | SOLE | 0 | 0 | 0 | 282193 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 214741 | 6545 | SH |  | SOLE | 0 | 0 | 0 | 6545 |
| DIMENSIONAL ETF TRUST | US EQUITY ETF | 25434V401 |  | 342138 | 7849 | SH |  | SOLE | 0 | 0 | 0 | 7849 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 4175239 | 76512 | SH |  | SOLE | 0 | 0 | 0 | 76512 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 6803586 | 281955 | SH |  | SOLE | 0 | 0 | 0 | 281955 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 273273 | 6370 | SH |  | SOLE | 0 | 0 | 0 | 6370 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 2073014 | 88401 | SH |  | SOLE | 0 | 0 | 0 | 88401 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 14309394 | 528217 | SH |  | SOLE | 0 | 0 | 0 | 528217 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 4885208 | 191502 | SH |  | SOLE | 0 | 0 | 0 | 191502 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 540983 | 20376 | SH |  | SOLE | 0 | 0 | 0 | 20376 |
| DISNEY WALT CO | COM | 254687106 |  | 439778 | 4149 | SH |  | SOLE | 0 | 0 | 0 | 4149 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 222669 | 3564 | SH |  | SOLE | 0 | 0 | 0 | 3564 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 236470 | 8981 | SH |  | SOLE | 0 | 0 | 0 | 8981 |
| EXPEDITORS INTL WASH INC | COM | 302130109 |  | 308646 | 2849 | SH |  | SOLE | 0 | 0 | 0 | 2849 |
| EXTRA SPACE STORAGE INC | COM | 30225T102 |  | 1608878 | 10578 | SH |  | SOLE | 0 | 0 | 0 | 10578 |
| FIDELITY COVINGTON TRUST | MSCI RL EST ETF | 316092857 |  | 5279257 | 198543 | SH |  | SOLE | 0 | 0 | 0 | 198543 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 5335967 | 114678 | SH |  | SOLE | 0 | 0 | 0 | 114678 |
| GLOBAL X FDS | GLOBAL X SILVER | 37954Y848 |  | 272571 | 8700 | SH |  | SOLE | 0 | 0 | 0 | 8700 |
| GOLDMAN SACHS BDC INC | SHS | 38147U107 |  | 159329 | 10420 | SH |  | SOLE | 0 | 0 | 0 | 10420 |
| HEALTHEQUITY INC | COM | 42226A107 |  | 3715117 | 65029 | SH |  | SOLE | 0 | 0 | 0 | 65029 |
| HOME DEPOT INC | COM | 437076102 |  | 313980 | 988 | SH |  | SOLE | 0 | 0 | 0 | 988 |
| HUNTSMAN CORP | COM | 447011107 |  | 584458 | 18356 | SH |  | SOLE | 0 | 0 | 0 | 18356 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 216141 | 1528 | SH |  | SOLE | 0 | 0 | 0 | 1528 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 234504 | 909 | SH |  | SOLE | 0 | 0 | 0 | 909 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 661905 | 2295 | SH |  | SOLE | 0 | 0 | 0 | 2295 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 939448 | 27976 | SH |  | SOLE | 0 | 0 | 0 | 27976 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 |  | 4723833 | 84854 | SH |  | SOLE | 0 | 0 | 0 | 84854 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 10841504 | 210188 | SH |  | SOLE | 0 | 0 | 0 | 210188 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 |  | 4059495 | 60963 | SH |  | SOLE | 0 | 0 | 0 | 60963 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 7737183 | 152127 | SH |  | SOLE | 0 | 0 | 0 | 152127 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 800930 | 8371 | SH |  | SOLE | 0 | 0 | 0 | 8371 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 3835202 | 47075 | SH |  | SOLE | 0 | 0 | 0 | 47075 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 1986637 | 20138 | SH |  | SOLE | 0 | 0 | 0 | 20138 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 8015117 | 127204 | SH |  | SOLE | 0 | 0 | 0 | 127204 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 6475533 | 64216 | SH |  | SOLE | 0 | 0 | 0 | 64216 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 360881 | 5051 | SH |  | SOLE | 0 | 0 | 0 | 5051 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 397024 | 12315 | SH |  | SOLE | 0 | 0 | 0 | 12315 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 1192461 | 11355 | SH |  | SOLE | 0 | 0 | 0 | 11355 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1300391 | 12047 | SH |  | SOLE | 0 | 0 | 0 | 12047 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 935432 | 9564 | SH |  | SOLE | 0 | 0 | 0 | 9564 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 1614526 | 26489 | SH |  | SOLE | 0 | 0 | 0 | 26489 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 4911840 | 67563 | SH |  | SOLE | 0 | 0 | 0 | 67563 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 522440 | 4342 | SH |  | SOLE | 0 | 0 | 0 | 4342 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 453012 | 8367 | SH |  | SOLE | 0 | 0 | 0 | 8367 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 20799742 | 234337 | SH |  | SOLE | 0 | 0 | 0 | 234337 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 1044642 | 10417 | SH |  | SOLE | 0 | 0 | 0 | 10417 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 524013 | 8643 | SH |  | SOLE | 0 | 0 | 0 | 8643 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 18052850 | 202568 | SH |  | SOLE | 0 | 0 | 0 | 202568 |
| ISHARES TR | BLACKROCK ULTRA | 46434V878 |  | 1625961 | 32370 | SH |  | SOLE | 0 | 0 | 0 | 32370 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 13370382 | 200036 | SH |  | SOLE | 0 | 0 | 0 | 200036 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 293630 | 1924 | SH |  | SOLE | 0 | 0 | 0 | 1924 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 398111 | 9465 | SH |  | SOLE | 0 | 0 | 0 | 9465 |
| ISHARES TR | MICRO-CAP ETF | 464288869 |  | 1485957 | 12780 | SH |  | SOLE | 0 | 0 | 0 | 12780 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 7330969 | 28514 | SH |  | SOLE | 0 | 0 | 0 | 28514 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 788012 | 11066 | SH |  | SOLE | 0 | 0 | 0 | 11066 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 1699794 | 33613 | SH |  | SOLE | 0 | 0 | 0 | 33613 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 10042168 | 203695 | SH |  | SOLE | 0 | 0 | 0 | 203695 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 10016995 | 109619 | SH |  | SOLE | 0 | 0 | 0 | 109619 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 1162374 | 30605 | SH |  | SOLE | 0 | 0 | 0 | 30605 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 |  | 341135 | 6965 | SH |  | SOLE | 0 | 0 | 0 | 6965 |
| ISHARES TR | U.S. REAL ES ETF | 464287739 |  | 240256 | 2667 | SH |  | SOLE | 0 | 0 | 0 | 2667 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 3803646 | 26330 | SH |  | SOLE | 0 | 0 | 0 | 26330 |
| ISHARES TR | CORE S ETF | 464287200 |  | 60592315 | 150671 | SH |  | SOLE | 0 | 0 | 0 | 150671 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 610478 | 3627 | SH |  | SOLE | 0 | 0 | 0 | 3627 |
| LILLY ELI  CO | COM | 532457108 |  | 310019 | 895 | SH |  | SOLE | 0 | 0 | 0 | 895 |
| LULULEMON ATHLETICA INC | COM | 550021109 |  | 236831 | 761 | SH |  | SOLE | 0 | 0 | 0 | 761 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 715652 | 1883 | SH |  | SOLE | 0 | 0 | 0 | 1883 |
| MCDONALDS CORP | COM | 580135101 |  | 433106 | 1607 | SH |  | SOLE | 0 | 0 | 0 | 1607 |
| MERCK  CO INC | COM | 58933Y105 |  | 474390 | 4371 | SH |  | SOLE | 0 | 0 | 0 | 4371 |
| META PLATFORMS INC | CL A | 30303M102 |  | 340959 | 2382 | SH |  | SOLE | 0 | 0 | 0 | 2382 |
| MICROSOFT CORP | COM | 594918104 |  | 3350515 | 13843 | SH |  | SOLE | 0 | 0 | 0 | 13843 |
| NORTHWESTERN CORP | COM NEW | 668074305 |  | 270198 | 4757 | SH |  | SOLE | 0 | 0 | 0 | 4757 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 262257 | 2850 | SH |  | SOLE | 0 | 0 | 0 | 2850 |
| NUVEEN AMT FREE MUN CR INC F | COM | 67071L106 |  | 340103 | 26822 | SH |  | SOLE | 0 | 0 | 0 | 26822 |
| NUVEEN PFD  INCOME TERM FD | COM | 67075A106 |  | 307828 | 15539 | SH |  | SOLE | 0 | 0 | 0 | 15539 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 549845 | 2854 | SH |  | SOLE | 0 | 0 | 0 | 2854 |
| PAYPAL HLDGS INC | COM | 70450Y103 |  | 263330 | 3309 | SH |  | SOLE | 0 | 0 | 0 | 3309 |
| PCM FD INC | COM | 69323T101 |  | 284181 | 32330 | SH |  | SOLE | 0 | 0 | 0 | 32330 |
| PEPSICO INC | COM | 713448108 |  | 1131281 | 6628 | SH |  | SOLE | 0 | 0 | 0 | 6628 |
| PFIZER INC | COM | 717081103 |  | 417189 | 9331 | SH |  | SOLE | 0 | 0 | 0 | 9331 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 |  | 694573 | 7427 | SH |  | SOLE | 0 | 0 | 0 | 7427 |
| PINNACLE FINL PARTNERS INC | COM | 72346Q104 |  | 210198 | 2826 | SH |  | SOLE | 0 | 0 | 0 | 2826 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 420169 | 2963 | SH |  | SOLE | 0 | 0 | 0 | 2963 |
| PROLOGIS INC. | COM | 74340W103 |  | 210077 | 1662 | SH |  | SOLE | 0 | 0 | 0 | 1662 |
| PUBLIC STORAGE | COM | 74460D109 |  | 238574 | 812 | SH |  | SOLE | 0 | 0 | 0 | 812 |
| QUALCOMM INC | COM | 747525103 |  | 287619 | 2201 | SH |  | SOLE | 0 | 0 | 0 | 2201 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 263794 | 2652 | SH |  | SOLE | 0 | 0 | 0 | 2652 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 539174 | 11387 | SH |  | SOLE | 0 | 0 | 0 | 11387 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 288722 | 11041 | SH |  | SOLE | 0 | 0 | 0 | 11041 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 2612305 | 34157 | SH |  | SOLE | 0 | 0 | 0 | 34157 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 289172 | 6634 | SH |  | SOLE | 0 | 0 | 0 | 6634 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 322875 | 6858 | SH |  | SOLE | 0 | 0 | 0 | 6858 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 365174 | 5371 | SH |  | SOLE | 0 | 0 | 0 | 5371 |
| SECURITY NATL FINL CORP | CL A NEW | 814785309 |  | 240480 | 33124 | SH |  | SOLE | 0 | 0 | 0 | 33124 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 268037 | 1996 | SH |  | SOLE | 0 | 0 | 0 | 1996 |
| SERVICENOW INC | COM | 81762P102 |  | 548498 | 1237 | SH |  | SOLE | 0 | 0 | 0 | 1237 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 230037 | 1276 | SH |  | SOLE | 0 | 0 | 0 | 1276 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 492476 | 1231 | SH |  | SOLE | 0 | 0 | 0 | 1231 |
| SPDR SER TR | S 600 SMCP VAL | 78464A300 |  | 245952 | 3065 | SH |  | SOLE | 0 | 0 | 0 | 3065 |
| SPDR SER TR | PORTFOLIO S | 78464A854 |  | 32532856 | 691159 | SH |  | SOLE | 0 | 0 | 0 | 691159 |
| SPROTT PHYSICAL GOLD TR | UNIT | 85207H104 |  | 269444 | 17939 | SH |  | SOLE | 0 | 0 | 0 | 17939 |
| STARBUCKS CORP | COM | 855244109 |  | 298100 | 2795 | SH |  | SOLE | 0 | 0 | 0 | 2795 |
| STRYKER CORPORATION | COM | 863667101 |  | 254983 | 997 | SH |  | SOLE | 0 | 0 | 0 | 997 |
| SYNLOGIC INC | COM | 87166L100 |  | 16565 | 17302 | SH |  | SOLE | 0 | 0 | 0 | 17302 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 225916 | 2389 | SH |  | SOLE | 0 | 0 | 0 | 2389 |
| TELEDYNE TECHNOLOGIES INC | COM | 879360105 |  | 743660 | 1812 | SH |  | SOLE | 0 | 0 | 0 | 1812 |
| TESLA INC | COM | 88160R101 |  | 796113 | 5533 | SH |  | SOLE | 0 | 0 | 0 | 5533 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 296748 | 511 | SH |  | SOLE | 0 | 0 | 0 | 511 |
| TRIMBLE INC | COM | 896239100 |  | 345447 | 6138 | SH |  | SOLE | 0 | 0 | 0 | 6138 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 202426 | 3999 | SH |  | SOLE | 0 | 0 | 0 | 3999 |
| UNION PAC CORP | COM | 907818108 |  | 1293038 | 6364 | SH |  | SOLE | 0 | 0 | 0 | 6364 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 490156 | 6604 | SH |  | SOLE | 0 | 0 | 0 | 6604 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 251910 | 1169 | SH |  | SOLE | 0 | 0 | 0 | 1169 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1749922 | 12267 | SH |  | SOLE | 0 | 0 | 0 | 12267 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 2563037 | 29023 | SH |  | SOLE | 0 | 0 | 0 | 29023 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 783719 | 4296 | SH |  | SOLE | 0 | 0 | 0 | 4296 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1326743 | 3608 | SH |  | SOLE | 0 | 0 | 0 | 3608 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 819097 | 4871 | SH |  | SOLE | 0 | 0 | 0 | 4871 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 302964 | 7072 | SH |  | SOLE | 0 | 0 | 0 | 7072 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 507289 | 9986 | SH |  | SOLE | 0 | 0 | 0 | 9986 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 360219 | 2325 | SH |  | SOLE | 0 | 0 | 0 | 2325 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 400206 | 8788 | SH |  | SOLE | 0 | 0 | 0 | 8788 |
| VANGUARD WELLINGTON FD | US MULTIFACTOR | 921935607 |  | 874697 | 8510 | SH |  | SOLE | 0 | 0 | 0 | 8510 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 4091523 | 29548 | SH |  | SOLE | 0 | 0 | 0 | 29548 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 1140193 | 3299 | SH |  | SOLE | 0 | 0 | 0 | 3299 |
| VISA INC | COM CL A | 92826C839 |  | 487617 | 2178 | SH |  | SOLE | 0 | 0 | 0 | 2178 |
| WALMART INC | COM | 931142103 |  | 506759 | 3543 | SH |  | SOLE | 0 | 0 | 0 | 3543 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 304702 | 6855 | SH |  | SOLE | 0 | 0 | 0 | 6855 |
| WP CAREY INC | COM | 92936U109 |  | 676131 | 7977 | SH |  | SOLE | 0 | 0 | 0 | 7977 |
| ZIONS BANCORPORATION N A | COM | 989701107 |  | 493640 | 9535 | SH |  | SOLE | 0 | 0 | 0 | 9535 |

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