2026-05-11T10:01:38-04:00 2025-12-31 346565596 ERNST & YOUNG US LLP 155 N WACKER Chicago IL 606061787 990PF 2025-01-01 270301768 FRANK AND MARY CIPECH CHARITABLE TRUST CIPE 8887914075 PO BOX 30918 BILLINGS MT 59116 DEBRA UECKER VP 8887914075 2026-05-08 true SANDRA MURPHY P01252209 3128792000 2026-05-08 2025 2025-03-06 01:10:19Z X 792051 X 26857 26833 118109 503753 118109 0 144966 144942 9997 7497 2499 0 0 0 0 0 0 1373 0 0 1373 0 0 625 191 0 0 0 0 0 0 0 11995 7688 0 3872 33507 33507 45502 7688 0 37379 99464 137254 0 0 18402 15854 15854 0 0 0 636181 737592 776197 0 0 654583 753446 792051 0 X 654583 753446 654583 753446 654583 753446 654583 99464 540 754587 1141 753446 669.815 DFA EMERGING MARKETS SML CAP 2025-01-10 15084 14359 725 725 5. ALPHABET INC-CL A 2017-07-26 2025-01-27 974 241 733 733 7. AMAZON.COM INC 2019-11-01 2025-01-27 1625 627 998 998 2. AMERICAN EXPRESS CO 2016-03-11 2025-01-27 633 119 514 514 4. APPLE INC 2016-04-28 2025-01-27 915 96 819 819 4. BLACKSTONE INC 2023-04-11 2025-01-27 725 321 404 404 11. BRISTOL-MYERS SQUIBB CO 2013-02-05 2025-01-27 667 407 260 260 28. CISCO SYSTEMS INC 2023-12-27 2025-01-27 1656 1413 243 243 1. COSTCO WHOLESALE CORP 2021-03-24 2025-01-27 941 340 601 601 6. EMERSON ELECTRIC CO 2025-01-27 773 317 456 456 25.589 FIDELITY INTL INDX 2018-01-10 2025-01-27 1275 1137 138 138 398.552 FIDELITY EMRG MRKT INDX 2023-12-01 2025-01-27 4181 3970 211 211 20. ISHARES CORE S&P 500 ETF 2020-04-28 2025-01-27 12005 5840 6165 6165 5. ISHARES BIOTECHNOLOGY ETF 2022-02-04 2025-01-27 694 652 42 42 67. ISHA CURR HEDGED MSCI EAFE 2023-11-30 2025-01-27 2409 2075 334 334 263. ISHARES IBONDS DEC 2033 CORP 2023-11-30 2025-01-27 6633 6567 66 66 266. ISHARES IBONDS DEC 2032 TC 2023-11-30 2025-01-27 6563 6476 87 87 2. JPMORGAN CHASE & CO 2012-05-25 2025-01-27 528 67 461 461 3. LOWE'S COS INC 2017-06-29 2025-01-27 795 231 564 564 3. MCDONALD'S CORP 2024-11-22 2025-01-27 862 869 -7 -7 2. MICROSOFT CORP 2020-03-19 2025-01-27 856 294 562 562 11. MONDELEZ INTERNATIONAL INC-A 2020-09-16 2025-01-27 636 644 -8 -8 4. PALO ALTO NETWORKS INC 2025-01-27 762 158 604 604 4. PEPSICO INC 2025-01-27 611 249 362 362 30. PFIZER INC 2024-11-22 2025-01-27 798 772 26 26 4. QUALCOMM INC 2021-02-08 2025-01-27 680 587 93 93 11. SS SPDR S&P REGIONAL BANK 2024-10-18 2025-01-27 702 657 45 45 2. SS SPDR S&P SEMICONDUCTOR 2022-03-04 2025-01-27 493 386 107 107 10. SS MATERIALS SELECT SECTOR 2023-08-07 2025-01-27 884 841 43 43 17. SS HEALTH CARE SELECT SECTOR 2019-11-12 2025-01-27 2489 1625 864 864 9. SS CONSUMER STAPLES SEL SECT 2020-09-16 2025-01-27 711 587 124 124 11. SS ENERGY SELECT SECTOR 2020-05-18 2025-01-27 990 428 562 562 14. SS FINANCIAL SELECT SECTOR 2020-03-19 2025-01-27 712 271 441 441 1.99888 SS INDUSTRIAL SELECT SECTOR 2024-11-22 2025-01-27 277 284 -7 -7 3.00112 SS INDUSTRIAL SELECT SECTOR 2024-11-22 2025-01-27 416 427 -11 -11 8. SS TECHNOLOGY SELECT SECTOR 2024-05-09 2025-01-27 1830 1638 192 192 3. SS TECHNOLOGY SELECT SECTOR 2022-11-08 2025-01-27 686 376 310 310 15. SS COMM SELECT SECTOR SPDR 2024-07-12 2025-01-27 1514 1300 214 214 14. SS REAL ESTATE SELECT SECTOR 2025-01-27 581 552 29 29 8. ST SR UTL SL SE SPDR ETF-USD 2025-01-27 609 528 81 81 7. WALMART INC 2025-01-27 668 185 483 483 13. SKYWORKS SOLUTIONS INC 2013-08-23 2025-02-03 1116 327 789 789 2. FEDEX CORP 2015-12-14 2025-02-20 533 284 249 249 10. INTERCONTINENTAL EXCHANGE IN 2020-07-08 2025-03-21 1741 930 811 811 5. QUALCOMM INC 2021-02-08 2025-03-21 778 734 44 44 520.334 GMO RESOURCES FUND-I 2023-04-04 2025-04-07 7649 12748 -5099 -5099 129. VANGUARD INT-TERM CORPORATE 2020-06-03 2025-04-07 10411 12111 -1700 -1700 30. VANGUARD INT-TERM CORPORATE 2020-06-03 2025-04-10 2394 2817 -423 -423 10. ISHARES CORE S&P 500 ETF 2025-04-07 2025-05-30 5886 5040 846 846 37. INVESCO S&P 500 EQUAL WEIGHT 2025-01-27 2025-06-03 6544 6709 -165 -165 379. ISHA CURR HEDGED MSCI EAFE 2023-11-30 2025-06-09 14459 11737 2722 2722 2. JPMORGAN CHASE & CO 2012-05-25 2025-06-25 566 67 499 499 6. LOWE'S COS INC 2017-06-29 2025-07-18 1311 461 850 850 17. MASCO CORP 2021-03-24 2025-07-18 1120 981 139 139 6. PEPSICO INC 2009-04-09 2025-08-27 882 315 567 567 10. ABBOTT LABORATORIES 2025-07-18 2025-09-15 1326 1251 75 75 10. ABBOTT LABORATORIES 2020-04-03 2025-09-15 1326 788 538 538 22. ALPHABET INC-CL A 2017-07-26 2025-09-15 5458 1062 4396 4396 24. AMAZON.COM INC 2025-09-15 5586 1969 3617 3617 8. AMERICAN EXPRESS CO 2016-03-11 2025-09-15 2619 477 2142 2142 24. APPLE INC 2025-09-15 5678 575 5103 5103 1. BERKSHIRE HATHAWAY INC-CL B 2025-08-27 2025-09-15 490 496 -6 -6 7. BERKSHIRE HATHAWAY INC-CL B 2025-09-15 3432 539 2893 2893 14. BLACKSTONE INC 2023-04-11 2025-09-15 2561 1100 1461 1461 16. BRISTOL-MYERS SQUIBB CO 2013-02-05 2025-09-15 737 591 146 146 47. CISCO SYSTEMS INC 2025-09-15 3132 1043 2089 2089 21. CITIGROUP INC 2025-09-15 2089 1536 553 553 2. COSTCO WHOLESALE CORP 2021-03-24 2025-09-15 1927 679 1248 1248 1153.387 DFA GLBL RL EST SECS 2025-09-15 12756 11885 871 871 24. WALT DISNEY CO 2025-09-15 2767 2182 585 585 8. EMERSON ELECTRIC CO 2009-05-01 2025-09-15 1085 284 801 801 2. META PLATFORMS INC-CLASS A 2025-03-21 2025-09-15 1524 1176 348 348 201.695 FIDELITY INTL INDX 2025-06-09 2025-09-15 12090 11406 684 684 182.57 FIDELITY INTL INDX 2018-01-10 2025-09-15 10943 8113 2830 2830 1189.037 FIDELITY EMRG MRKT INDX 2025-09-15 15731 11843 3888 3888 984.042 FIDELITY ADV REAL EST INC-Z 2024-06-10 2025-09-15 12153 11405 748 748 306. FLEXSHARES GLOBAL UPSTREAM N 2025-09-15 13327 11567 1760 1760 321. GLOBAL X US INFRASTRUCTURE 2025-09-15 15027 12270 2757 2757 2648.785 GLDMN SCHS E/M EQ INSG-INST 2022-12-01 2025-09-15 28686 20687 7999 7999 5. HONEYWELL INTERNATIONAL INC 2024-11-22 2025-09-15 1059 1145 -86 -86 7. HONEYWELL INTERNATIONAL INC 2020-07-08 2025-09-15 1483 1011 472 472 123. INVESCO S&P 500 EQUAL WEIGHT 2025-01-27 2025-09-15 23256 22303 953 953 26. INVESCO S&P 500 EQUAL WEIGHT 2024-08-13 2025-09-15 4916 4352 564 564 231. ISHARES CORE S&P MIDCAP ETF 2025-09-15 15246 10482 4764 4764 11. ISHARES SEMICONDUCTOR ETF 2024-05-09 2025-09-15 2824 2404 420 420 13. ISHARES BIOTECHNOLOGY ETF 2022-02-04 2025-09-15 1821 1695 126 126 87. ISHARES CORE S&P SMALL-CAP E 2021-12-28 2025-09-15 10340 9986 354 354 191. ISHA CURR HEDGED MSCI EAFE 2025-09-15 7528 5803 1725 1725 6. JPMORGAN CHASE & CO 2012-05-25 2025-09-15 1850 202 1648 1648 10. KKR & CO INC 2025-06-25 2025-09-15 1451 1288 163 163 7. LOWE'S COS INC 2025-09-15 1897 494 1403 1403 2. MCDONALD'S CORP 2024-11-22 2025-09-15 604 579 25 25 6. MCDONALD'S CORP 2020-04-22 2025-09-15 1812 1101 711 711 14. MICROSOFT CORP 2025-09-15 7172 791 6381 6381 22. MONDELEZ INTERNATIONAL INC-A 2025-09-15 1360 1024 336 336 988.883 NORTHERN MM GLBL LST INFRA 2025-09-15 13617 11782 1835 1835 7. NVIDIA CORP 2025-03-21 2025-09-15 1237 813 424 424 6. PALO ALTO NETWORKS INC 2025-02-03 2025-09-15 1204 1103 101 101 17. PALO ALTO NETWORKS INC 2025-09-15 3411 672 2739 2739 49. PFIZER INC 2024-11-22 2025-09-15 1162 1260 -98 -98 31. SS SPDR S&P REGIONAL BANK 2024-10-18 2025-09-15 2003 1851 152 152 10. SS SPDR S&P SEMICONDUCTOR 2021-03-10 2025-09-15 3032 1761 1271 1271 6. SALESFORCE INC 2021-01-28 2025-09-15 1451 1362 89 89 24. SS MATERIALS SELECT SECTOR 2025-09-15 2192 1534 658 658 35. SS HEALTH CARE SELECT SECTOR 2025-09-15 4799 3298 1501 1501 19. SS CONSUMER STAPLES SEL SECT 2025-09-15 1517 1175 342 342 6. SS CONSUMER DISC SELECT SECT 2020-09-16 2025-09-15 1454 896 558 558 53. SS ENERGY SELECT SECTOR 2025-09-15 4695 1918 2777 2777 46. SS FINANCIAL SELECT SECTOR 2020-03-19 2025-09-15 2474 892 1582 1582 11. SS INDUSTRIAL SELECT SECTOR 2025-09-15 1674 1628 46 46 18. SS INDUSTRIAL SELECT SECTOR 2020-11-09 2025-09-15 2739 1518 1221 1221 38. SS TECHNOLOGY SELECT SECTOR 2025-09-15 10342 3937 6405 6405 42. SS COMM SELECT SECTOR SPDR 2025-09-15 4979 2133 2846 2846 61. SS REAL ESTATE SELECT SECTOR 2025-09-15 2585 2244 341 341 33. ST SR UTL SL SE SPDR ETF-USD 2025-09-15 2836 2114 722 722 8. UNION PACIFIC CORP 2013-11-20 2025-09-15 1721 636 1085 1085 4. UNITEDHEALTH GROUP INC 2012-09-27 2025-09-15 1395 225 1170 1170 34. WALMART INC 2025-09-15 3529 845 2684 2684 628. ISHARES IBONDS DEC 2032 TC 2025-09-15 2025-11-13 16014 16200 -186 -186 615. ISHARES IBONDS DEC 2032 TC 2025-11-13 15683 14913 770 770 333.419 VANGUARD S/T INFL PROT-ADM 2025-09-15 2025-11-13 8369 8479 -110 -110 297.457 VANGUARD S/T INFL PROT-ADM 2023-12-01 2025-11-13 7466 7124 342 342 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 CAPITAL GAIN DIVIDENDS P 287 118109 1908 0 1908 0 1908 444 0 0 444 0 1464 0 0 false false false false false false false true true MT true false false false false true N/A MEGHAN MOLLETT FIRST INTERSTATE BAN 4062555225 PO BOX 30918 BILLINGS MT 59116 false false false false true false 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