HARBOUR INVESTMENT MANAGEMENT LLC Diversified Active

CIK: 0001275880 · Show all filings

Period: Q4 2025 (← Previous)

Filing Date: Feb 12, 2026

Total Value ($000): $188,594 (100.0% shares, 0.0% debt)

Holdings (99)

New Positions (3)

JSCP J P MORGAN EXCHANGE TRADED F 0.5%

Value ($000) $897 Shares 18,785 Est. Cost $47.74 Unrealized —

TTE TOTALENERGIES SE 0.2%

Value ($000) $454 Shares 6,934 Est. Cost $63.23 Unrealized 0.0%

LLY ELI LILLY & CO 0.1%

Value ($000) $230 Shares 214 Est. Cost $955.55 Unrealized 0.0%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
JSCP	J P MORGAN EXCHANGE TRADED F	18,785	$897	0.5%	$47.74	—	SHORT DURA CORE	46641Q274
TTE	TOTALENERGIES SE	6,934	$454	0.2%	$63.23	0.0%	ACT	F92124100
LLY	ELI LILLY & CO	214	$230	0.1%	$955.55	0.0%	COM	532457108

Increased Positions (8)

VBIL VANGUARD INSTL INDEX FD 1.6%

Value ($000) $2,986 (+413.4%) Shares 39,581 (+414.7%) Est. Cost $75.47 Unrealized —

VUSB VANGUARD BD INDEX FDS 3.7%

Value ($000) $7,058 (+40.0%) Shares 141,615 (+40.5%) Est. Cost $49.91 Unrealized —

XLB SELECT SECTOR SPDR TR 1.3%

Value ($000) $2,424 (-12.3%) Shares 53,446 (+73.3%) Est. Cost $50.73 Unrealized —

NFLX NETFLIX INC 0.2%

Value ($000) $464 (-20.2%) Shares 4,950 (+920.6%) Est. Cost $103.30 Unrealized +4.4%

EPI WISDOMTREE TR 0.2%

Value ($000) $438 (+26.5%) Shares 9,454 (+20.8%) Est. Cost $47.51 Unrealized —

JMST J P MORGAN EXCHANGE TRADED F 0.8%

Value ($000) $1,598 (+5.0%) Shares 31,295 (+5.0%) Est. Cost $50.96 Unrealized —

SPY SPDR S&P 500 ETF TR 0.2%

Value ($000) $284 (+26.9%) Shares 416 (+23.8%) Est. Cost $631.26 Unrealized —

QQQ INVESCO QQQ TR 0.1%

Value ($000) $242 (+17.1%) Shares 394 (+14.5%) Est. Cost $602.80 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VBIL	VANGUARD INSTL INDEX FD	39,581 (+414.7%)	$2,986 (+413.4%)	1.6%	$75.47	—	0-3 MO TREAS BIL	922040845
VUSB	VANGUARD BD INDEX FDS	141,615 (+40.5%)	$7,058 (+40.0%)	3.7%	$49.91	—	VANGUARD ULTRA	92203C303
XLB	SELECT SECTOR SPDR TR	53,446 (+73.3%)	$2,424 (-12.3%)	1.3%	$50.73	—	STATE STREET MAT	81369Y100
NFLX	NETFLIX INC	4,950 (+920.6%)	$464 (-20.2%)	0.2%	$103.30	+4.4%	COM	64110L106
EPI	WISDOMTREE TR	9,454 (+20.8%)	$438 (+26.5%)	0.2%	$47.51	—	INDIA ERNGS FD	97717W422
JMST	J P MORGAN EXCHANGE TRADED F	31,295 (+5.0%)	$1,598 (+5.0%)	0.8%	$50.96	—	ULTRA SHT MUNCPL	46641Q654
SPY	SPDR S&P 500 ETF TR	416 (+23.8%)	$284 (+26.9%)	0.2%	$631.26	—	TR UNIT	78462F103
QQQ	INVESCO QQQ TR	394 (+14.5%)	$242 (+17.1%)	0.1%	$602.80	—	UNIT SER 1	46090E103

Exited Positions (10)

VGUS VANGUARD INSTL INDEX FD 0.2%

Value ($000) $403 Shares 5,330 Est. Cost $75.66 Unrealized —

SCHD SCHWAB STRATEGIC TR 0.2%

Value ($000) $338 Shares 12,392 Est. Cost $27.30 Unrealized —

AMP AMERIPRISE FINL INC 0.2%

Value ($000) $295 Shares 600 Est. Cost $372.49 Unrealized +27.2%

ORCL ORACLE CORP 0.1%

Value ($000) $253 Shares 900 Est. Cost $175.85 Unrealized +35.4%

META META PLATFORMS INC 0.1%

Value ($000) $227 Shares 309 Est. Cost $616.61 Unrealized +8.2%

BA BOEING CO 0.1%

Value ($000) $223 Shares 1,034 Est. Cost $225.47 Unrealized -8.8%

HD HOME DEPOT INC 0.1%

Value ($000) $214 Shares 528 Est. Cost $389.16 Unrealized -6.3%

KNF KNIFE RIVER CORP 0.1%

Value ($000) $204 Shares 2,652 Est. Cost $70.80 Unrealized -0.8%

VYM VANGUARD WHITEHALL FDS 0.1%

Value ($000) $203 Shares 1,443 Est. Cost $140.95 Unrealized —

— SENSEONICS HLDGS INC 0.0%

Value ($000) $5 Shares 11,500 Est. Cost $0.48 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VGUS	VANGUARD INSTL INDEX FD	5,330	$403	0.2%	$75.66	—	—	922040852
SCHD	SCHWAB STRATEGIC TR	12,392	$338	0.2%	$27.30	—	—	808524797
AMP	AMERIPRISE FINL INC	600	$295	0.2%	$372.49	+27.2%	—	03076C106
ORCL	ORACLE CORP	900	$253	0.1%	$175.85	+35.4%	—	68389X105
META	META PLATFORMS INC	309	$227	0.1%	$616.61	+8.2%	—	30303M102
BA	BOEING CO	1,034	$223	0.1%	$225.47	-8.8%	—	097023105
HD	HOME DEPOT INC	528	$214	0.1%	$389.16	-6.3%	—	437076102
KNF	KNIFE RIVER CORP	2,652	$204	0.1%	$70.80	-0.8%	—	498894104
VYM	VANGUARD WHITEHALL FDS	1,443	$203	0.1%	$140.95	—	—	921946406
—	SENSEONICS HLDGS INC	11,500	$5	0.0%	$0.48	—	—	81727U105

Decreased Positions (61)

MSFT MICROSOFT CORP 10.7%

Value ($000) $20,123 (-31.0%) Shares 41,609 (-26.1%) Est. Cost $50.63 Unrealized +888.7%

COST COSTCO WHSL CORP NEW 5.6%

Value ($000) $10,490 (-32.6%) Shares 12,165 (-27.7%) Est. Cost $205.66 Unrealized +340.4%

AAPL APPLE INC 4.7%

Value ($000) $8,901 (-22.7%) Shares 32,740 (-27.6%) Est. Cost $88.90 Unrealized +201.9%

AMZN AMAZON COM INC 3.4%

Value ($000) $6,362 (-18.0%) Shares 27,561 (-22.0%) Est. Cost $122.36 Unrealized +87.0%

SYK STRYKER CORPORATION 1.7%

Value ($000) $3,290 (-28.6%) Shares 9,338 (-25.0%) Est. Cost $62.28 Unrealized +483.5%

AVGO BROADCOM INC 3.5%

Value ($000) $6,617 (-16.5%) Shares 19,120 (-20.4%) Est. Cost $149.00 Unrealized +139.6%

NVO NOVO-NORDISK A S 1.5%

Value ($000) $2,874 (-30.6%) Shares 56,480 (-24.3%) Est. Cost $78.10 Unrealized —

ADP AUTOMATIC DATA PROCESSING IN 1.4%

Value ($000) $2,711 (-31.6%) Shares 10,470 (-22.1%) Est. Cost $50.03 Unrealized +429.4%

WM WASTE MGMT INC DEL 1.6%

Value ($000) $3,102 (-27.5%) Shares 14,120 (-27.1%) Est. Cost $33.51 Unrealized +534.3%

BLK BLACKROCK INC 1.3%

Value ($000) $2,426 (-30.4%) Shares 2,267 (-24.2%) Est. Cost $991.05 Unrealized +9.9%

LHX L3HARRIS TECHNOLOGIES INC 1.3%

Value ($000) $2,521 (-28.9%) Shares 8,588 (-26.0%) Est. Cost $212.89 Unrealized +35.5%

NSC NORFOLK SOUTHN CORP 1.3%

Value ($000) $2,436 (-28.8%) Shares 8,436 (-26.0%) Est. Cost $69.17 Unrealized +317.3%

BRK/B BERKSHIRE HATHAWAY INC DEL 2.4%

Value ($000) $4,592 (-16.5%) Shares 9,135 (-16.5%) Est. Cost $195.51 Unrealized +154.5%

PCAR PACCAR INC 1.8%

Value ($000) $3,425 (-20.9%) Shares 30,889 (-29.8%) Est. Cost $37.71 Unrealized +168.4%

ABT ABBOTT LABS 1.3%

Value ($000) $2,415 (-26.7%) Shares 19,272 (-21.6%) Est. Cost $36.83 Unrealized +245.7%

CHKP CHECK POINT SOFTWARE TECH LT 1.0%

Value ($000) $1,793 (-32.2%) Shares 9,660 (-24.4%) Est. Cost $79.54 Unrealized +143.1%

SNA SNAP ON INC 1.2%

Value ($000) $2,345 (-26.3%) Shares 6,804 (-25.9%) Est. Cost $92.84 Unrealized +266.7%

AXP AMERICAN EXPRESS CO 0.1%

Value ($000) $203 (-79.9%) Shares 550 (-82.0%) Est. Cost $107.66 Unrealized +231.6%

KMB KIMBERLY-CLARK CORP 0.6%

Value ($000) $1,161 (-40.0%) Shares 11,355 (-26.2%) Est. Cost $73.12 Unrealized +48.3%

APD AIR PRODS & CHEMS INC 0.9%

Value ($000) $1,613 (-30.3%) Shares 6,531 (-23.1%) Est. Cost $91.91 Unrealized +173.8%

SBUX STARBUCKS CORP 1.5%

Value ($000) $2,830 (-19.4%) Shares 33,604 (-19.1%) Est. Cost $32.42 Unrealized +159.3%

PG PROCTER AND GAMBLE CO 1.0%

Value ($000) $1,808 (-27.4%) Shares 12,619 (-22.1%) Est. Cost $65.02 Unrealized +126.3%

RTX RTX CORPORATION 1.6%

Value ($000) $2,982 (-17.8%) Shares 16,260 (-25.0%) Est. Cost $84.79 Unrealized +104.4%

UNH UNITEDHEALTH GROUP INC 0.6%

Value ($000) $1,102 (-36.7%) Shares 3,337 (-33.7%) Est. Cost $117.36 Unrealized +187.3%

SAP SAP SE 0.5%

Value ($000) $1,034 (-37.3%) Shares 4,257 (-31.0%) Est. Cost $72.88 Unrealized —

NEE NEXTERA ENERGY INC 1.2%

Value ($000) $2,323 (-19.8%) Shares 28,930 (-24.6%) Est. Cost $53.11 Unrealized +55.3%

PSX PHILLIPS 66 0.6%

Value ($000) $1,224 (-31.9%) Shares 9,488 (-28.2%) Est. Cost $44.58 Unrealized +200.6%

CVX CHEVRON CORP NEW 1.1%

Value ($000) $1,980 (-22.4%) Shares 12,993 (-20.9%) Est. Cost $91.99 Unrealized +64.6%

PSCT INVESCO EXCH TRADED FD TR II 1.1%

Value ($000) $1,980 (-19.8%) Shares 34,984 (-24.8%) Est. Cost $66.41 Unrealized —

BDX BECTON DICKINSON & CO 0.5%

Value ($000) $973 (-32.4%) Shares 5,012 (-34.8%) Est. Cost $92.54 Unrealized +104.8%

IBB ISHARES TR 2.6%

Value ($000) $4,858 (-8.6%) Shares 28,787 (-21.8%) Est. Cost $134.90 Unrealized —

SHEL SHELL PLC 0.8%

Value ($000) $1,459 (-23.5%) Shares 19,853 (-25.5%) Est. Cost $57.10 Unrealized —

CSCO CISCO SYS INC 0.7%

Value ($000) $1,329 (-24.8%) Shares 17,250 (-33.2%) Est. Cost $35.89 Unrealized +105.6%

KO COCA COLA CO 1.1%

Value ($000) $2,024 (-17.4%) Shares 28,957 (-21.1%) Est. Cost $30.97 Unrealized +124.0%

DIS DISNEY WALT CO 0.6%

Value ($000) $1,075 (-28.0%) Shares 9,381 (-28.0%) Est. Cost $59.13 Unrealized +85.2%

WEC WEC ENERGY GROUP INC 0.4%

Value ($000) $731 (-35.3%) Shares 6,930 (-29.6%) Est. Cost $75.47 Unrealized +46.1%

DHR DANAHER CORPORATION 0.9%

Value ($000) $1,686 (-19.0%) Shares 7,353 (-29.9%) Est. Cost $32.97 Unrealized +565.9%

PEP PEPSICO INC 0.8%

Value ($000) $1,510 (-18.9%) Shares 10,415 (-21.4%) Est. Cost $60.99 Unrealized +139.2%

VFH VANGUARD WORLD FD 1.0%

Value ($000) $1,849 (-15.7%) Shares 13,853 (-17.1%) Est. Cost $77.53 Unrealized —

JPST J P MORGAN EXCHANGE TRADED F 4.4%

Value ($000) $8,245 (-3.7%) Shares 162,402 (-3.8%) Est. Cost $50.68 Unrealized —

KVUE KENVUE INC 0.3%

Value ($000) $564 (-33.3%) Shares 32,714 (-37.2%) Est. Cost $21.04 Unrealized -22.7%

COP CONOCOPHILLIPS 0.6%

Value ($000) $1,182 (-19.1%) Shares 12,625 (-18.2%) Est. Cost $64.71 Unrealized +39.1%

NVDA NVIDIA CORPORATION 0.6%

Value ($000) $1,218 (-16.6%) Shares 6,530 (-16.5%) Est. Cost $122.18 Unrealized +52.3%

V VISA INC 0.9%

Value ($000) $1,684 (-11.8%) Shares 4,803 (-14.1%) Est. Cost $204.72 Unrealized +66.3%

CL COLGATE PALMOLIVE CO 0.5%

Value ($000) $965 (-16.9%) Shares 12,212 (-16.0%) Est. Cost $52.14 Unrealized +50.2%

JNJ JOHNSON & JOHNSON 0.3%

Value ($000) $634 (-21.4%) Shares 3,063 (-29.6%) Est. Cost $77.74 Unrealized +153.4%

PFE PFIZER INC 0.3%

Value ($000) $647 (-17.6%) Shares 25,985 (-15.7%) Est. Cost $31.00 Unrealized -19.2%

BMY BRISTOL-MYERS SQUIBB CO 0.7%

Value ($000) $1,348 (+11.3%) Shares 24,993 (-6.9%) Est. Cost $51.85 Unrealized -8.3%

AWK AMERICAN WTR WKS CO INC NEW 0.1%

Value ($000) $256 (-33.4%) Shares 1,960 (-29.0%) Est. Cost $41.60 Unrealized +220.2%

EWG ISHARES INC 0.4%

Value ($000) $717 (-15.0%) Shares 16,873 (-16.8%) Est. Cost $26.95 Unrealized —

UPS UNITED PARCEL SERVICE INC 0.6%

Value ($000) $1,188 (-8.3%) Shares 11,982 (-22.8%) Est. Cost $68.56 Unrealized +35.3%

MUB ISHARES TR 0.3%

Value ($000) $575 (-14.2%) Shares 5,370 (-14.7%) Est. Cost $107.36 Unrealized —

GOOG ALPHABET INC 2.3%

Value ($000) $4,292 (+1.7%) Shares 13,676 (-21.1%) Est. Cost $109.94 Unrealized +160.4%

XLRE SELECT SECTOR SPDR TR 0.2%

Value ($000) $363 (-14.2%) Shares 8,995 (-10.4%) Est. Cost $34.07 Unrealized —

INTC INTEL CORP 0.6%

Value ($000) $1,091 (-3.2%) Shares 29,572 (-12.0%) Est. Cost $20.05 Unrealized +88.3%

WMT WALMART INC 0.2%

Value ($000) $330 (+4.4%) Shares 2,960 (-3.7%) Est. Cost $85.80 Unrealized +24.9%

XOM EXXON MOBIL CORP 0.4%

Value ($000) $719 (-1.5%) Shares 5,976 (-7.7%) Est. Cost $59.09 Unrealized +95.5%

GLD SPDR GOLD TR 0.4%

Value ($000) $756 (+0.9%) Shares 1,907 (-9.5%) Est. Cost $242.13 Unrealized —

IVV ISHARES TR 0.3%

Value ($000) $645 (-1.0%) Shares 941 (-3.3%) Est. Cost $669.30 Unrealized —

GOOGL ALPHABET INC 0.4%

Value ($000) $692 (-0.8%) Shares 2,211 (-23.0%) Est. Cost $135.90 Unrealized +110.2%

FICO FAIR ISAAC CORP 0.2%

Value ($000) $304 (+1.7%) Shares 180 (-10.0%) Est. Cost $749.78 Unrealized +129.6%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
MSFT	MICROSOFT CORP	41,609 (-26.1%)	$20,123 (-31.0%)	10.7%	$50.63	+888.7%	COM	594918104
COST	COSTCO WHSL CORP NEW	12,165 (-27.7%)	$10,490 (-32.6%)	5.6%	$205.66	+340.4%	COM	22160K105
AAPL	APPLE INC	32,740 (-27.6%)	$8,901 (-22.7%)	4.7%	$88.90	+201.9%	COM	037833100
AMZN	AMAZON COM INC	27,561 (-22.0%)	$6,362 (-18.0%)	3.4%	$122.36	+87.0%	COM	023135106
SYK	STRYKER CORPORATION	9,338 (-25.0%)	$3,290 (-28.6%)	1.7%	$62.28	+483.5%	COM	863667101
AVGO	BROADCOM INC	19,120 (-20.4%)	$6,617 (-16.5%)	3.5%	$149.00	+139.6%	COM	11135F101
NVO	NOVO-NORDISK A S	56,480 (-24.3%)	$2,874 (-30.6%)	1.5%	$78.10	—	ADR	670100205
ADP	AUTOMATIC DATA PROCESSING IN	10,470 (-22.1%)	$2,711 (-31.6%)	1.4%	$50.03	+429.4%	COM	053015103
WM	WASTE MGMT INC DEL	14,120 (-27.1%)	$3,102 (-27.5%)	1.6%	$33.51	+534.3%	COM	94106L109
BLK	BLACKROCK INC	2,267 (-24.2%)	$2,426 (-30.4%)	1.3%	$991.05	+9.9%	COM	09290D101
LHX	L3HARRIS TECHNOLOGIES INC	8,588 (-26.0%)	$2,521 (-28.9%)	1.3%	$212.89	+35.5%	COM	502431109
NSC	NORFOLK SOUTHN CORP	8,436 (-26.0%)	$2,436 (-28.8%)	1.3%	$69.17	+317.3%	COM	655844108
BRK/B	BERKSHIRE HATHAWAY INC DEL	9,135 (-16.5%)	$4,592 (-16.5%)	2.4%	$195.51	+154.5%	CL B NEW	084670702
PCAR	PACCAR INC	30,889 (-29.8%)	$3,425 (-20.9%)	1.8%	$37.71	+168.4%	COM	693718108
ABT	ABBOTT LABS	19,272 (-21.6%)	$2,415 (-26.7%)	1.3%	$36.83	+245.7%	COM	002824100
CHKP	CHECK POINT SOFTWARE TECH LT	9,660 (-24.4%)	$1,793 (-32.2%)	1.0%	$79.54	+143.1%	ORD	M22465104
SNA	SNAP ON INC	6,804 (-25.9%)	$2,345 (-26.3%)	1.2%	$92.84	+266.7%	COM	833034101
AXP	AMERICAN EXPRESS CO	550 (-82.0%)	$203 (-79.9%)	0.1%	$107.66	+231.6%	COM	025816109
KMB	KIMBERLY-CLARK CORP	11,355 (-26.2%)	$1,161 (-40.0%)	0.6%	$73.12	+48.3%	COM	494368103
APD	AIR PRODS & CHEMS INC	6,531 (-23.1%)	$1,613 (-30.3%)	0.9%	$91.91	+173.8%	COM	009158106
SBUX	STARBUCKS CORP	33,604 (-19.1%)	$2,830 (-19.4%)	1.5%	$32.42	+159.3%	COM	855244109
PG	PROCTER AND GAMBLE CO	12,619 (-22.1%)	$1,808 (-27.4%)	1.0%	$65.02	+126.3%	COM	742718109
RTX	RTX CORPORATION	16,260 (-25.0%)	$2,982 (-17.8%)	1.6%	$84.79	+104.4%	COM	75513E101
UNH	UNITEDHEALTH GROUP INC	3,337 (-33.7%)	$1,102 (-36.7%)	0.6%	$117.36	+187.3%	COM	91324P102
SAP	SAP SE	4,257 (-31.0%)	$1,034 (-37.3%)	0.5%	$72.88	—	SPON ADR	803054204
NEE	NEXTERA ENERGY INC	28,930 (-24.6%)	$2,323 (-19.8%)	1.2%	$53.11	+55.3%	COM	65339F101
PSX	PHILLIPS 66	9,488 (-28.2%)	$1,224 (-31.9%)	0.6%	$44.58	+200.6%	COM	718546104
CVX	CHEVRON CORP NEW	12,993 (-20.9%)	$1,980 (-22.4%)	1.1%	$91.99	+64.6%	COM	166764100
PSCT	INVESCO EXCH TRADED FD TR II	34,984 (-24.8%)	$1,980 (-19.8%)	1.1%	$66.41	—	S&P SMLCP INFO	46138E115
BDX	BECTON DICKINSON & CO	5,012 (-34.8%)	$973 (-32.4%)	0.5%	$92.54	+104.8%	COM	075887109
IBB	ISHARES TR	28,787 (-21.8%)	$4,858 (-8.6%)	2.6%	$134.90	—	ISHARES BIOTECH	464287556
SHEL	SHELL PLC	19,853 (-25.5%)	$1,459 (-23.5%)	0.8%	$57.10	—	SPON ADS	780259305
CSCO	CISCO SYS INC	17,250 (-33.2%)	$1,329 (-24.8%)	0.7%	$35.89	+105.6%	COM	17275R102
KO	COCA COLA CO	28,957 (-21.1%)	$2,024 (-17.4%)	1.1%	$30.97	+124.0%	COM	191216100
DIS	DISNEY WALT CO	9,381 (-28.0%)	$1,075 (-28.0%)	0.6%	$59.13	+85.2%	COM	254687106
WEC	WEC ENERGY GROUP INC	6,930 (-29.6%)	$731 (-35.3%)	0.4%	$75.47	+46.1%	COM	92939U106
DHR	DANAHER CORPORATION	7,353 (-29.9%)	$1,686 (-19.0%)	0.9%	$32.97	+565.9%	COM	235851102
PEP	PEPSICO INC	10,415 (-21.4%)	$1,510 (-18.9%)	0.8%	$60.99	+139.2%	COM	713448108
VFH	VANGUARD WORLD FD	13,853 (-17.1%)	$1,849 (-15.7%)	1.0%	$77.53	—	FINANCIALS ETF	92204A405
JPST	J P MORGAN EXCHANGE TRADED F	162,402 (-3.8%)	$8,245 (-3.7%)	4.4%	$50.68	—	ULTRA SHRT ETF	46641Q837
KVUE	KENVUE INC	32,714 (-37.2%)	$564 (-33.3%)	0.3%	$21.04	-22.7%	COM	49177J102
COP	CONOCOPHILLIPS	12,625 (-18.2%)	$1,182 (-19.1%)	0.6%	$64.71	+39.1%	COM	20825C104
NVDA	NVIDIA CORPORATION	6,530 (-16.5%)	$1,218 (-16.6%)	0.6%	$122.18	+52.3%	COM	67066G104
V	VISA INC	4,803 (-14.1%)	$1,684 (-11.8%)	0.9%	$204.72	+66.3%	COM CL A	92826C839
CL	COLGATE PALMOLIVE CO	12,212 (-16.0%)	$965 (-16.9%)	0.5%	$52.14	+50.2%	COM	194162103
JNJ	JOHNSON & JOHNSON	3,063 (-29.6%)	$634 (-21.4%)	0.3%	$77.74	+153.4%	COM	478160104
PFE	PFIZER INC	25,985 (-15.7%)	$647 (-17.6%)	0.3%	$31.00	-19.2%	COM	717081103
BMY	BRISTOL-MYERS SQUIBB CO	24,993 (-6.9%)	$1,348 (+11.3%)	0.7%	$51.85	-8.3%	COM	110122108
AWK	AMERICAN WTR WKS CO INC NEW	1,960 (-29.0%)	$256 (-33.4%)	0.1%	$41.60	+220.2%	COM	030420103
EWG	ISHARES INC	16,873 (-16.8%)	$717 (-15.0%)	0.4%	$26.95	—	MSCI GERMANY ETF	464286806
UPS	UNITED PARCEL SERVICE INC	11,982 (-22.8%)	$1,188 (-8.3%)	0.6%	$68.56	+35.3%	CL B	911312106
MUB	ISHARES TR	5,370 (-14.7%)	$575 (-14.2%)	0.3%	$107.36	—	NATIONAL MUN ETF	464288414
GOOG	ALPHABET INC	13,676 (-21.1%)	$4,292 (+1.7%)	2.3%	$109.94	+160.4%	CAP STK CL C	02079K107
XLRE	SELECT SECTOR SPDR TR	8,995 (-10.4%)	$363 (-14.2%)	0.2%	$34.07	—	STATE STREET REA	81369Y860
INTC	INTEL CORP	29,572 (-12.0%)	$1,091 (-3.2%)	0.6%	$20.05	+88.3%	COM	458140100
WMT	WALMART INC	2,960 (-3.7%)	$330 (+4.4%)	0.2%	$85.80	+24.9%	COM	931142103
XOM	EXXON MOBIL CORP	5,976 (-7.7%)	$719 (-1.5%)	0.4%	$59.09	+95.5%	COM	30231G102
GLD	SPDR GOLD TR	1,907 (-9.5%)	$756 (+0.9%)	0.4%	$242.13	—	GOLD SHS	78463V107
IVV	ISHARES TR	941 (-3.3%)	$645 (-1.0%)	0.3%	$669.30	—	CORE S&P500 ETF	464287200
GOOGL	ALPHABET INC	2,211 (-23.0%)	$692 (-0.8%)	0.4%	$135.90	+110.2%	CAP STK CL A	02079K305
FICO	FAIR ISAAC CORP	180 (-10.0%)	$304 (+1.7%)	0.2%	$749.78	+129.6%	COM	303250104

Unchanged Positions (27)

SIVR ABRDN SILVER ETF TRUST 0.9%

Value ($000) $1,759 Shares 26,000 Est. Cost $18.26 Unrealized —

SGOL ETFS GOLD TR 0.8%

Value ($000) $1,419 Shares 34,550 Est. Cost $17.14 Unrealized —

VOO VANGUARD INDEX FDS 1.6%

Value ($000) $2,944 Shares 4,694 Est. Cost $434.48 Unrealized —

FNDX SCHWAB STRATEGIC TR 0.9%

Value ($000) $1,616 Shares 59,391 Est. Cost $38.25 Unrealized —

TMO THERMO FISHER SCIENTIFIC INC 0.1%

Value ($000) $274 Shares 472 Est. Cost $464.78 Unrealized +21.6%

PXF INVESCO EXCH TRADED FD TR II 0.3%

Value ($000) $517 Shares 7,887 Est. Cost $49.65 Unrealized —

SCHF SCHWAB STRATEGIC TR 0.5%

Value ($000) $883 Shares 36,731 Est. Cost $26.06 Unrealized —

AVUV AMERICAN CENTY ETF TR 0.5%

Value ($000) $995 Shares 9,761 Est. Cost $83.09 Unrealized —

GS GOLDMAN SACHS GROUP INC 0.1%

Value ($000) $242 Shares 275 Est. Cost $734.84 Unrealized +10.7%

VEA VANGUARD TAX-MANAGED FDS 0.3%

Value ($000) $534 Shares 8,544 Est. Cost $54.41 Unrealized —

FNDF SCHWAB STRATEGIC TR 0.2%

Value ($000) $341 Shares 7,539 Est. Cost $35.61 Unrealized —

SCHX SCHWAB STRATEGIC TR 0.4%

Value ($000) $701 Shares 26,034 Est. Cost $37.39 Unrealized —

VT VANGUARD INTL EQUITY INDEX F 0.3%

Value ($000) $474 Shares 3,361 Est. Cost $104.27 Unrealized —

JPM JPMORGAN CHASE & CO. 0.2%

Value ($000) $433 Shares 1,345 Est. Cost $228.03 Unrealized +35.7%

MDY SPDR S&P MIDCAP 400 ETF TR 0.3%

Value ($000) $505 Shares 833 Est. Cost $458.26 Unrealized —

VB VANGUARD INDEX FDS 0.3%

Value ($000) $504 Shares 1,952 Est. Cost $228.59 Unrealized —

VTEB VANGUARD MUN BD FDS 0.7%

Value ($000) $1,254 Shares 24,945 Est. Cost $50.60 Unrealized —

SCHM SCHWAB STRATEGIC TR 0.2%

Value ($000) $366 Shares 12,164 Est. Cost $37.10 Unrealized —

PRFZ INVESCO EXCHANGE TRADED FD T 0.3%

Value ($000) $505 Shares 11,004 Est. Cost $39.28 Unrealized —

VUG VANGUARD INDEX FDS 0.2%

Value ($000) $288 Shares 590 Est. Cost $344.20 Unrealized —

SCHA SCHWAB STRATEGIC TR 0.1%

Value ($000) $215 Shares 7,547 Est. Cost $27.90 Unrealized —

FNDA SCHWAB STRATEGIC TR 0.2%

Value ($000) $391 Shares 12,400 Est. Cost $35.09 Unrealized —

PLX PROTALIX BIOTHERAPEUTICS INC 0.0%

Value ($000) $18 Shares 10,100 Est. Cost $2.38 Unrealized -14.2%

JFLX J P MORGAN EXCHANGE TRADED F 0.2%

Value ($000) $457 Shares 9,096 Est. Cost $50.21 Unrealized —

ADBE ADOBE INC 0.2%

Value ($000) $357 Shares 1,019 Est. Cost $268.50 Unrealized +26.7%

BRK/A BERKSHIRE HATHAWAY INC DEL 0.4%

Value ($000) $755 Shares 1 Est. Cost $729330.75 Unrealized +2.3%

RSPG INVESCO EXCHANGE TRADED FD T 0.1%

Value ($000) $205 Shares 2,571 Est. Cost $79.61 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
SIVR	ABRDN SILVER ETF TRUST	26,000	$1,759	0.9%	$18.26	—	PHYSCL SILVR SHS	003264108
SGOL	ETFS GOLD TR	34,550	$1,419	0.8%	$17.14	—	PHYSCL GOLD SHS	00326A104
VOO	VANGUARD INDEX FDS	4,694	$2,944	1.6%	$434.48	—	S&P 500 ETF SHS	922908363
FNDX	SCHWAB STRATEGIC TR	59,391	$1,616	0.9%	$38.25	—	FUNDAMENTAL US L	808524771
TMO	THERMO FISHER SCIENTIFIC INC	472	$274	0.1%	$464.78	+21.6%	COM	883556102
PXF	INVESCO EXCH TRADED FD TR II	7,887	$517	0.3%	$49.65	—	RAFI DVLPD MRKTS	46138E743
SCHF	SCHWAB STRATEGIC TR	36,731	$883	0.5%	$26.06	—	INTL EQTY ETF	808524805
AVUV	AMERICAN CENTY ETF TR	9,761	$995	0.5%	$83.09	—	US SML CP VALU	025072877
GS	GOLDMAN SACHS GROUP INC	275	$242	0.1%	$734.84	+10.7%	COM	38141G104
VEA	VANGUARD TAX-MANAGED FDS	8,544	$534	0.3%	$54.41	—	VAN FTSE DEV MKT	921943858
FNDF	SCHWAB STRATEGIC TR	7,539	$341	0.2%	$35.61	—	FUNDAMENTAL INTL	808524755
SCHX	SCHWAB STRATEGIC TR	26,034	$701	0.4%	$37.39	—	US LRG CAP ETF	808524201
VT	VANGUARD INTL EQUITY INDEX F	3,361	$474	0.3%	$104.27	—	TT WRLD ST ETF	922042742
JPM	JPMORGAN CHASE & CO.	1,345	$433	0.2%	$228.03	+35.7%	COM	46625H100
MDY	SPDR S&P MIDCAP 400 ETF TR	833	$505	0.3%	$458.26	—	UTSER1 S&PDCRP	78467Y107
VB	VANGUARD INDEX FDS	1,952	$504	0.3%	$228.59	—	SMALL CP ETF	922908751
VTEB	VANGUARD MUN BD FDS	24,945	$1,254	0.7%	$50.60	—	TAX EXEMPT BD	922907746
SCHM	SCHWAB STRATEGIC TR	12,164	$366	0.2%	$37.10	—	US MID-CAP ETF	808524508
PRFZ	INVESCO EXCHANGE TRADED FD T	11,004	$505	0.3%	$39.28	—	RAFI US 1500	46137V597
VUG	VANGUARD INDEX FDS	590	$288	0.2%	$344.20	—	GROWTH ETF	922908736
SCHA	SCHWAB STRATEGIC TR	7,547	$215	0.1%	$27.90	—	US SML CAP ETF	808524607
FNDA	SCHWAB STRATEGIC TR	12,400	$391	0.2%	$35.09	—	FUNDAMENTAL US S	808524763
PLX	PROTALIX BIOTHERAPEUTICS INC	10,100	$18	0.0%	$2.38	-14.2%	COM	74365A309
JFLX	J P MORGAN EXCHANGE TRADED F	9,096	$457	0.2%	$50.21	—	FLEXIBLE DEBT ET	46654Q559
ADBE	ADOBE INC	1,019	$357	0.2%	$268.50	+26.7%	COM	00724F101
BRK/A	BERKSHIRE HATHAWAY INC DEL	1	$755	0.4%	$729330.75	+2.3%	CL A	084670108
RSPG	INVESCO EXCHANGE TRADED FD T	2,571	$205	0.1%	$79.61	—	S&P500 EQL ENR	46137V365