Payne Capital LLC Diversified Active

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	SCHWAB STRATEGIC TR	139,632 (+26.5%)	$3,757 (+29.3%)	3.8%	$26.46	—	US LRG CAP ETF	808524201
DYNF	BLACKROCK ETF TRUST	108,238 (+4.0%)	$6,582 (+6.8%)	6.7%	$59.26	—	ISHARES US EQUIT	09290C103
VCIT	VANGUARD SCOTTSDALE FDS	38,108 (+11.4%)	$3,192 (+11.0%)	3.2%	$84.07	—	INT-TERM CORP	92206C870
SCHG	SCHWAB STRATEGIC TR	64,733 (+9.9%)	$2,112 (+12.4%)	2.1%	$31.97	—	US LCAP GR ETF	808524300
NFLX	NETFLIX INC	4,730 (+967.7%)	$443 (-16.5%)	0.5%	$109.14	-1.2%	COM	64110L106
SCHR	SCHWAB STRATEGIC TR	324,798 (+1.0%)	$8,146 (+0.8%)	8.3%	$25.13	—	INT-TRM U.S TRES	808524854
MBB	ISHARES TR	19,714 (+1.1%)	$1,877 (+1.2%)	1.9%	$95.15	—	MBS ETF	464288588
SCHZ	SCHWAB STRATEGIC TR	22,719 (+1.0%)	$531 (+0.6%)	0.5%	$23.47	—	US AGGREGATE B	808524839
BINC	BLACKROCK ETF TRUST II	4,327 (+2.1%)	$228 (+1.2%)	0.2%	$53.23	—	ISHARES FLEXIBLE	092528603

Exited Positions (4)

GDXJ VANECK ETF TRUST 1.6%

Value ($000) $1,579 Shares 15,942 Est. Cost $99.03 Unrealized —

GDX VANECK ETF TRUST 1.5%

Value ($000) $1,489 Shares 19,495 Est. Cost $76.40 Unrealized —

— UNILEVER PLC 0.3%

Value ($000) $296 Shares 5,000 Est. Cost $59.28 Unrealized —

INTC INTEL CORP 0.3%

Value ($000) $286 Shares 8,539 Est. Cost $24.23 Unrealized +55.9%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
GDXJ	VANECK ETF TRUST	15,942	$1,579	1.6%	$99.03	—	—	92189F791
GDX	VANECK ETF TRUST	19,495	$1,489	1.5%	$76.40	—	—	92189F106
—	UNILEVER PLC	5,000	$296	0.3%	$59.28	—	—	904767704
INTC	INTEL CORP	8,539	$286	0.3%	$24.23	+55.9%	—	458140100

Decreased Positions (5)

SCHM SCHWAB STRATEGIC TR 0.8%

Value ($000) $757 (-10.1%) Shares 25,160 (-11.4%) Est. Cost $29.64 Unrealized —

BNDX VANGUARD CHARLOTTE FDS 1.0%

Value ($000) $947 (-7.0%) Shares 19,597 (-4.8%) Est. Cost $49.46 Unrealized —

AMZN AMAZON COM INC 0.2%

Value ($000) $205 (-17.9%) Shares 890 (-21.9%) Est. Cost $226.35 Unrealized +1.1%

VOE VANGUARD INDEX FDS 0.5%

Value ($000) $480 (-3.8%) Shares 2,704 (-5.3%) Est. Cost $174.58 Unrealized —

VBR VANGUARD INDEX FDS 1.8%

Value ($000) $1,768 (+0.4%) Shares 8,346 (-1.1%) Est. Cost $208.71 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
SCHM	SCHWAB STRATEGIC TR	25,160 (-11.4%)	$757 (-10.1%)	0.8%	$29.64	—	US MID-CAP ETF	808524508
BNDX	VANGUARD CHARLOTTE FDS	19,597 (-4.8%)	$947 (-7.0%)	1.0%	$49.46	—	TOTAL INT BD ETF	92203J407
AMZN	AMAZON COM INC	890 (-21.9%)	$205 (-17.9%)	0.2%	$226.35	+1.1%	COM	023135106
VOE	VANGUARD INDEX FDS	2,704 (-5.3%)	$480 (-3.8%)	0.5%	$174.58	—	MCAP VL IDXVIP	922908512
VBR	VANGUARD INDEX FDS	8,346 (-1.1%)	$1,768 (+0.4%)	1.8%	$208.71	—	SM CP VAL ETF	922908611

Unchanged Positions (37)

MSFT MICROSOFT CORP 7.8%

Value ($000) $7,692 Shares 15,905 Est. Cost $508.71 Unrealized -1.6%

MRK MERCK & CO INC 1.1%

Value ($000) $1,120 Shares 10,637 Est. Cost $81.01 Unrealized +15.1%

FNDX SCHWAB STRATEGIC TR 6.7%

Value ($000) $6,589 Shares 242,141 Est. Cost $26.30 Unrealized —

AAPL APPLE INC 3.3%

Value ($000) $3,217 Shares 11,833 Est. Cost $225.58 Unrealized +19.0%

IDOG ALPS ETF TR 2.4%

Value ($000) $2,372 Shares 61,508 Est. Cost $35.60 Unrealized —

IDEQ LAZARD ACTIVE ETF TR 2.4%

Value ($000) $2,388 Shares 78,682 Est. Cost $28.35 Unrealized —

VGK VANGUARD INTL EQUITY INDEX F 3.2%

Value ($000) $3,135 Shares 37,496 Est. Cost $79.80 Unrealized —

VYM VANGUARD WHITEHALL FDS 6.1%

Value ($000) $6,040 Shares 42,082 Est. Cost $140.95 Unrealized —

SCHF SCHWAB STRATEGIC TR 3.5%

Value ($000) $3,477 Shares 144,616 Est. Cost $23.28 Unrealized —

AVDE AMERICAN CENTY ETF TR 2.5%

Value ($000) $2,486 Shares 30,197 Est. Cost $78.90 Unrealized —

AMGN AMGEN INC 0.6%

Value ($000) $589 Shares 1,800 Est. Cost $286.59 Unrealized +10.2%

SPMO INVESCO EXCH TRADED FD TR II 4.0%

Value ($000) $3,910 Shares 32,767 Est. Cost $121.06 Unrealized —

NVS NOVARTIS AG 0.7%

Value ($000) $689 Shares 5,000 Est. Cost $128.24 Unrealized —

TD TORONTO DOMINION BK ONT 0.3%

Value ($000) $287 Shares 3,050 Est. Cost $75.06 Unrealized +12.5%

ABT ABBOTT LABS 0.5%

Value ($000) $503 Shares 4,018 Est. Cost $130.61 Unrealized -2.5%

FDEM FIDELITY COVINGTON TRUST 1.1%

Value ($000) $1,129 Shares 36,567 Est. Cost $30.08 Unrealized —

CSCO CISCO SYS INC 0.3%

Value ($000) $254 Shares 3,300 Est. Cost $67.38 Unrealized +9.5%

SPIB SPDR SERIES TRUST 3.4%

Value ($000) $3,305 Shares 97,763 Est. Cost $33.89 Unrealized —

SCHE SCHWAB STRATEGIC TR 1.5%

Value ($000) $1,454 Shares 44,392 Est. Cost $33.37 Unrealized —

SHEL SHELL PLC 0.7%

Value ($000) $735 Shares 10,000 Est. Cost $71.53 Unrealized —

IVV ISHARES TR 0.7%

Value ($000) $734 Shares 1,072 Est. Cost $669.30 Unrealized —

VO VANGUARD INDEX FDS 1.3%

Value ($000) $1,266 Shares 4,361 Est. Cost $293.74 Unrealized —

VUSB VANGUARD BD INDEX FDS 3.0%

Value ($000) $2,957 Shares 59,335 Est. Cost $50.00 Unrealized —

ESGU ISHARES TR 0.5%

Value ($000) $455 Shares 3,052 Est. Cost $145.60 Unrealized —

IWF ISHARES TR 0.9%

Value ($000) $876 Shares 1,851 Est. Cost $468.41 Unrealized —

VUG VANGUARD INDEX FDS 0.6%

Value ($000) $541 Shares 1,108 Est. Cost $479.61 Unrealized —

SCHV SCHWAB STRATEGIC TR 0.5%

Value ($000) $482 Shares 16,266 Est. Cost $29.11 Unrealized —

VDC VANGUARD WORLD FD 0.3%

Value ($000) $312 Shares 1,479 Est. Cost $213.73 Unrealized —

IGIB ISHARES TR 1.0%

Value ($000) $942 Shares 17,486 Est. Cost $54.09 Unrealized —

IUSB ISHARES TR 1.0%

Value ($000) $980 Shares 21,054 Est. Cost $46.71 Unrealized —

SCHD SCHWAB STRATEGIC TR 0.5%

Value ($000) $469 Shares 17,115 Est. Cost $27.30 Unrealized —

ABBV ABBVIE INC 0.3%

Value ($000) $305 Shares 1,333 Est. Cost $201.95 Unrealized +12.7%

UCON FIRST TR EXCHNG TRADED FD VI 0.2%

Value ($000) $225 Shares 8,925 Est. Cost $25.19 Unrealized —

SPAB SPDR SERIES TRUST 0.6%

Value ($000) $607 Shares 23,557 Est. Cost $25.85 Unrealized —

VFMO VANGUARD WELLINGTON FD 2.7%

Value ($000) $2,695 Shares 14,092 Est. Cost $191.60 Unrealized —

BRK/A BERKSHIRE HATHAWAY INC DEL 0.8%

Value ($000) $755 Shares 1 Est. Cost $726917.40 Unrealized +2.7%

BRK/B BERKSHIRE HATHAWAY INC DEL 0.7%

Value ($000) $729 Shares 1,450 Est. Cost $484.36 Unrealized +2.7%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
MSFT	MICROSOFT CORP	15,905	$7,692	7.8%	$508.71	-1.6%	COM	594918104
MRK	MERCK & CO INC	10,637	$1,120	1.1%	$81.01	+15.1%	COM	58933Y105
FNDX	SCHWAB STRATEGIC TR	242,141	$6,589	6.7%	$26.30	—	FUNDAMENTAL US L	808524771
AAPL	APPLE INC	11,833	$3,217	3.3%	$225.58	+19.0%	COM	037833100
IDOG	ALPS ETF TR	61,508	$2,372	2.4%	$35.60	—	INTL SEC DV DOG	00162Q718
IDEQ	LAZARD ACTIVE ETF TR	78,682	$2,388	2.4%	$28.35	—	INTL DYNAMIC EQT	52110K400
VGK	VANGUARD INTL EQUITY INDEX F	37,496	$3,135	3.2%	$79.80	—	FTSE EUROPE ETF	922042874
VYM	VANGUARD WHITEHALL FDS	42,082	$6,040	6.1%	$140.95	—	HIGH DIV YLD	921946406
SCHF	SCHWAB STRATEGIC TR	144,616	$3,477	3.5%	$23.28	—	INTL EQTY ETF	808524805
AVDE	AMERICAN CENTY ETF TR	30,197	$2,486	2.5%	$78.90	—	INTL EQT ETF	025072703
AMGN	AMGEN INC	1,800	$589	0.6%	$286.59	+10.2%	COM	031162100
SPMO	INVESCO EXCH TRADED FD TR II	32,767	$3,910	4.0%	$121.06	—	S&P 500 MOMNTM	46138E339
NVS	NOVARTIS AG	5,000	$689	0.7%	$128.24	—	SPONSORED ADR	66987V109
TD	TORONTO DOMINION BK ONT	3,050	$287	0.3%	$75.06	+12.5%	COM NEW	891160509
ABT	ABBOTT LABS	4,018	$503	0.5%	$130.61	-2.5%	COM	002824100
FDEM	FIDELITY COVINGTON TRUST	36,567	$1,129	1.1%	$30.08	—	EMERG MKTS MLTFT	316092543
CSCO	CISCO SYS INC	3,300	$254	0.3%	$67.38	+9.5%	COM	17275R102
SPIB	SPDR SERIES TRUST	97,763	$3,305	3.4%	$33.89	—	STATE STREET SPD	78464A375
SCHE	SCHWAB STRATEGIC TR	44,392	$1,454	1.5%	$33.37	—	EMRG MKTEQ ETF	808524706
SHEL	SHELL PLC	10,000	$735	0.7%	$71.53	—	SPON ADS	780259305
IVV	ISHARES TR	1,072	$734	0.7%	$669.30	—	CORE S&P500 ETF	464287200
VO	VANGUARD INDEX FDS	4,361	$1,266	1.3%	$293.74	—	MID CAP ETF	922908629
VUSB	VANGUARD BD INDEX FDS	59,335	$2,957	3.0%	$50.00	—	VANGUARD ULTRA	92203C303
ESGU	ISHARES TR	3,052	$455	0.5%	$145.60	—	ESG AWR MSCI USA	46435G425
IWF	ISHARES TR	1,851	$876	0.9%	$468.41	—	RUS 1000 GRW ETF	464287614
VUG	VANGUARD INDEX FDS	1,108	$541	0.6%	$479.61	—	GROWTH ETF	922908736
SCHV	SCHWAB STRATEGIC TR	16,266	$482	0.5%	$29.11	—	US LCAP VA ETF	808524409
VDC	VANGUARD WORLD FD	1,479	$312	0.3%	$213.73	—	CONSUM STP ETF	92204A207
IGIB	ISHARES TR	17,486	$942	1.0%	$54.09	—	ISHS 5-10YR INVT	464288638
IUSB	ISHARES TR	21,054	$980	1.0%	$46.71	—	CORE UNIVRSL USD	46434V613
SCHD	SCHWAB STRATEGIC TR	17,115	$469	0.5%	$27.30	—	US DIVIDEND EQ	808524797
ABBV	ABBVIE INC	1,333	$305	0.3%	$201.95	+12.7%	COM	00287Y109
UCON	FIRST TR EXCHNG TRADED FD VI	8,925	$225	0.2%	$25.19	—	SMITH UNCONSTRAI	33740F888
SPAB	SPDR SERIES TRUST	23,557	$607	0.6%	$25.85	—	STATE STREET SPD	78464A649
VFMO	VANGUARD WELLINGTON FD	14,092	$2,695	2.7%	$191.60	—	US MOMENTUM	921935508
BRK/A	BERKSHIRE HATHAWAY INC DEL	1	$755	0.8%	$726917.40	+2.7%	CL A	084670108
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,450	$729	0.7%	$484.36	+2.7%	CL B NEW	084670702