# EDGAR Filing Document

**Accession Number:** 0001906937
**File Stem:** 0001906937-23-000001
**Filing Date:** 2023-2
**Character Count:** 9419
**Document Hash:** c403677043be42d8f5d5e89a8cc932c1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001906937-23-000001.hdr.sgml**: 20230213

**ACCESSION NUMBER**: 0001906937-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230213

**DATE AS OF CHANGE**: 20230213

**EFFECTIVENESS DATE**: 20230213

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Silver Oak Advisory Group, Inc.
- **CENTRAL INDEX KEY:** 0001906937
- **IRS NUMBER:** 931057082
- **STATE OF INCORPORATION:** OR
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22143
- **FILM NUMBER:** 23618953

**BUSINESS ADDRESS:**
- **STREET 1:** 1130 SW MORRISON STREET
- **STREET 2:** SUITE 312
- **CITY:** PORTLAND
- **STATE:** OR
- **ZIP:** 97205
- **BUSINESS PHONE:** 503-242-1715

**MAIL ADDRESS:**
- **STREET 1:** 1130 SW MORRISON STREET
- **STREET 2:** SUITE 312
- **CITY:** PORTLAND
- **STATE:** OR
- **ZIP:** 97205

### 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:** Silver Oak Advisory Group Inc.<br>**Address:** 1130 SW MORRISON STREET<br>SUITE 312<br>PORTLAND, OR 97205

**Form 13F File Number:** 028-22143

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:** Cindi Hill<br>**Title:** Filing Agent<br>**Phone:** 6197955986

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

Cindi Hill  San Diego, CA  02-13-2023<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:** 57

**Form 13F Information Table Value Total:** $141837

      (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 |
| ABBVIE INC | COM | 00287Y109 |  | 372 | 2303 | SH |  | SOLE | 0 | 0 | 0 | 2303 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 289 | 3284 | SH |  | SOLE | 0 | 0 | 0 | 3284 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 237 | 2499 | SH |  | SOLE | 0 | 0 | 0 | 2499 |
| APPLE INC | COM | 037833100 |  | 493 | 3795 | SH |  | SOLE | 0 | 0 | 0 | 3795 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 245 | 537 | SH |  | SOLE | 0 | 0 | 0 | 537 |
| CSX CORP | COM | 126408103 |  | 215 | 6955 | SH |  | SOLE | 0 | 0 | 0 | 6955 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 219 | 8126 | SH |  | SOLE | 0 | 0 | 0 | 8126 |
| DIMENSIONAL ETF TRUST | US EQUITY ETF | 25434V401 |  | 1153 | 27723 | SH |  | SOLE | 0 | 0 | 0 | 27723 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 6654 | 274088 | SH |  | SOLE | 0 | 0 | 0 | 274088 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 206 | 4034 | SH |  | SOLE | 0 | 0 | 0 | 4034 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 394 | 8981 | SH |  | SOLE | 0 | 0 | 0 | 8981 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 299 | 9853 | SH |  | SOLE | 0 | 0 | 0 | 9853 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 6594 | 305310 | SH |  | SOLE | 0 | 0 | 0 | 305310 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 1065 | 31823 | SH |  | SOLE | 0 | 0 | 0 | 31823 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 426 | 3865 | SH |  | SOLE | 0 | 0 | 0 | 3865 |
| GLACIER BANCORP INC NEW | COM | 37637Q105 |  | 916 | 18537 | SH |  | SOLE | 0 | 0 | 0 | 18537 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 224 | 2319 | SH |  | SOLE | 0 | 0 | 0 | 2319 |
| ISHARES TR | CORE S ETF | 464287200 |  | 456 | 1188 | SH |  | SOLE | 0 | 0 | 0 | 1188 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 230 | 1096 | SH |  | SOLE | 0 | 0 | 0 | 1096 |
| ISHARES TR | DOW JONES US ETF | 464287846 |  | 271 | 2901 | SH |  | SOLE | 0 | 0 | 0 | 2901 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 229 | 3486 | SH |  | SOLE | 0 | 0 | 0 | 3486 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 245 | 1392 | SH |  | SOLE | 0 | 0 | 0 | 1392 |
| LILLY ELI  CO | COM | 532457108 |  | 274 | 749 | SH |  | SOLE | 0 | 0 | 0 | 749 |
| MICROSOFT CORP | COM | 594918104 |  | 871 | 3634 | SH |  | SOLE | 0 | 0 | 0 | 3634 |
| NIKE INC | CL B | 654106103 |  | 346 | 2964 | SH |  | SOLE | 0 | 0 | 0 | 2964 |
| NUSHARES ETF TR | NUVEEN ESG SMLCP | 67092P607 |  | 218 | 6390 | SH |  | SOLE | 0 | 0 | 0 | 6390 |
| NUSHARES ETF TR | NUVEEN ESG US | 67092P870 |  | 783 | 35982 | SH |  | SOLE | 0 | 0 | 0 | 35982 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 3467 | 77387 | SH |  | SOLE | 0 | 0 | 0 | 77387 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 463 | 14401 | SH |  | SOLE | 0 | 0 | 0 | 14401 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 240 | 1417 | SH |  | SOLE | 0 | 0 | 0 | 1417 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 810 | 2119 | SH |  | SOLE | 0 | 0 | 0 | 2119 |
| UNION PAC CORP | COM | 907818108 |  | 210 | 1018 | SH |  | SOLE | 0 | 0 | 0 | 1018 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 956 | 5517 | SH |  | SOLE | 0 | 0 | 0 | 5517 |
| VANGUARD ADMIRAL FDS INC | SMLCP 600 VAL | 921932778 |  | 7227 | 46019 | SH |  | SOLE | 0 | 0 | 0 | 46019 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 12757 | 169473 | SH |  | SOLE | 0 | 0 | 0 | 169473 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 4011 | 53975 | SH |  | SOLE | 0 | 0 | 0 | 53975 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 33277 | 463218 | SH |  | SOLE | 0 | 0 | 0 | 463218 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 17313 | 365034 | SH |  | SOLE | 0 | 0 | 0 | 365034 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 260 | 741 | SH |  | SOLE | 0 | 0 | 0 | 741 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 763 | 5438 | SH |  | SOLE | 0 | 0 | 0 | 5438 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 493 | 3106 | SH |  | SOLE | 0 | 0 | 0 | 3106 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 6105 | 74022 | SH |  | SOLE | 0 | 0 | 0 | 74022 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 683 | 3723 | SH |  | SOLE | 0 | 0 | 0 | 3723 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 746 | 4283 | SH |  | SOLE | 0 | 0 | 0 | 4283 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 6385 | 33401 | SH |  | SOLE | 0 | 0 | 0 | 33401 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 404 | 10364 | SH |  | SOLE | 0 | 0 | 0 | 10364 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 487 | 9719 | SH |  | SOLE | 0 | 0 | 0 | 9719 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 286 | 2789 | SH |  | SOLE | 0 | 0 | 0 | 2789 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 1050 | 12183 | SH |  | SOLE | 0 | 0 | 0 | 12183 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 2179 | 46651 | SH |  | SOLE | 0 | 0 | 0 | 46651 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 9803 | 198086 | SH |  | SOLE | 0 | 0 | 0 | 198086 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 232 | 3088 | SH |  | SOLE | 0 | 0 | 0 | 3088 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 891 | 11506 | SH |  | SOLE | 0 | 0 | 0 | 11506 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 4057 | 78456 | SH |  | SOLE | 0 | 0 | 0 | 78456 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 239 | 5710 | SH |  | SOLE | 0 | 0 | 0 | 5710 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 486 | 7383 | SH |  | SOLE | 0 | 0 | 0 | 7383 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 1633 | 33218 | SH |  | SOLE | 0 | 0 | 0 | 33218 |

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