Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
IVV	ISHARES TR	77,680	$40.84M	21.1%	$525.73	$459.04	—	CORE S&P500 ETF	464287200
DGRO	ISHARES TR	228,104	$13.24M	6.8%	$58.06	$53.30	—	CORE DIV GRWTH	46434V621
VWO	VANGUARD INTL EQUITY INDEX F	313,997	$13.12M	6.8%	$41.77	$40.52	—	FTSE EMR MKT ETF	922042858
SPY	SPDR S&P 500 ETF TR	24,948	$13.05M	6.7%	$523.08	$440.55	—	TR UNIT	78462F103
FVAL	FIDELITY COVINGTON TRUST	222,364	$12.69M	6.5%	$57.05	$48.57	—	VLU FACTOR ETF	316092782
USMV	ISHARES TR	144,340	$12.06M	6.2%	$83.58	$77.37	—	MSCI USA MIN VOL	46429B697
IEMG	ISHARES INC	227,931	$11.76M	6.1%	$51.60	$53.54	—	CORE MSCI EMKT	46434G103
IEFA	ISHARES TR	142,187	$10.55M	5.4%	$74.22	$65.59	—	CORE MSCI EAFE	46432F842
VO	VANGUARD INDEX FDS	40,116	$10.02M	5.2%	$249.86	$225.45	—	MID CAP ETF	922908629
QUAL	ISHARES TR	55,061	$9.049M	4.7%	$164.35	$131.95	—	MSCI USA QLT FCT	46432F339
TLT	ISHARES TR	61,732	$5.841M	3.0%	$94.62	$98.74	—	20 YR TR BD ETF	464287432
IEF	ISHARES TR	59,636	$5.645M	2.9%	$94.66	$96.32	—	7-10 YR TRSY BD	464287440
VWOB	VANGUARD WHITEHALL FDS	75,017	$4.79M	2.5%	$63.85	$60.98	—	EM MK GOV BD ETF	921946885
EMB	ISHARES TR	48,576	$4.356M	2.2%	$89.67	$90.35	—	JPMORGAN USD EMG	464288281
INDA	ISHARES TR	84,039	$4.336M	2.2%	$51.59	$51.59	—	MSCI INDIA ETF	46429B598
IWF	ISHARES TR	9,108	$3.07M	1.6%	$337.04	$276.92	—	RUS 1000 GRW ETF	464287614
AAPL	APPLE INC	15,637	$2.682M	1.4%	$171.48 *	$153.68	+17.3%	COM	037833100
IWD	ISHARES TR	12,831	$2.298M	1.2%	$179.11	$162.97	—	RUS 1000 VAL ETF	464287598
IVW	ISHARES TR	21,510	$1.816M	0.9%	$84.44	$74.05	—	S&P 500 GRWT ETF	464287309
IVE	ISHARES TR	8,935	$1.669M	0.9%	$186.81	$171.23	—	S&P 500 VAL ETF	464287408
VGK	VANGUARD INTL EQUITY INDEX F	17,047	$1.148M	0.6%	$67.34	$60.96	—	FTSE EUROPE ETF	922042874
PEP	PEPSICO INC	6,276	$1.098M	0.6%	$175.02 *	$158.70	-0.9%	COM	713448108
GUNR	FLEXSHARES TR	17,870	$734K	0.4%	$41.07	$39.09	—	MORNSTAR UPSTR	33939L407
NFLX	NETFLIX INC	1,140	$692K	0.4%	$607.33 *	$28.05	+101.0%	COM	64110L106
VOO	VANGUARD INDEX FDS	1,130	$543K	0.3%	$480.84	$401.74	—	S&P 500 ETF SHS	922908363
SCHB	SCHWAB STRATEGIC TR	7,888	$482K	0.2%	$61.05	$44.24	—	US BRD MKT ETF	808524102
GM	GENERAL MTRS CO	10,528	$477K	0.2%	$45.35 *	$34.64	+9.7%	COM	37045V100
BBJP	J P MORGAN EXCHANGE TRADED F	7,820	$458K	0.2%	$58.55	$51.54	—	BETABULDRS JAPAN	46641Q217
VEA	VANGUARD TAX-MANAGED FDS	9,010	$452K	0.2%	$50.17	$43.17	—	VAN FTSE DEV MKT	921943858
MSFT	MICROSOFT CORP	990	$416K	0.2%	$420.67 *	$245.08	+62.9%	COM	594918104
BBEU	J P MORGAN EXCHANGE TRADED F	6,862	$408K	0.2%	$59.40	$54.12	—	BETABUILDERS EUR	46641Q191
DIS	DISNEY WALT CO	3,032	$371K	0.2%	$122.36 *	$93.45	+9.6%	COM	254687106
SBR	SABINE RTY TR	5,564	$354K	0.2%	$63.59	$71.81	—	UNIT BEN INT	785688102
BBCA	J P MORGAN EXCHANGE TRADED F	5,053	$338K	0.2%	$66.80	$61.26	—	BETABUILDERS CDA	46641Q225
NVDA	NVIDIA CORPORATION	362	$327K	0.2%	$902.70 *	$72.44	0.0%	COM	67066G104
IJH	ISHARES TR	5,192	$315K	0.2%	$60.73	$93.23	—	CORE S&P MCP ETF	464287507
UNH	UNITEDHEALTH GROUP INC	637	$315K	0.2%	$494.71	$433.99	+12.7%	COM	91324P102
NCLH	NORWEGIAN CRUISE LINE HLDG L	14,494	$303K	0.2%	$20.93 *	$15.06	+20.8%	SHS	G66721104
RCL	ROYAL CARIBBEAN GROUP	1,972	$274K	0.1%	$139.01 *	$100.17	+22.5%	COM	V7780T103
GLD	SPDR GOLD TR	1,188	$244K	0.1%	$205.72	$178.27	—	GOLD SHS	78463V107
VTI	VANGUARD INDEX FDS	912	$237K	0.1%	$259.84	$237.14	—	TOTAL STK MKT	922908769
GDX	VANECK ETF TRUST	7,392	$234K	0.1%	$31.62	$31.01	—	GOLD MINERS ETF	92189F106
VXF	VANGUARD INDEX FDS	1,265	$222K	0.1%	$175.22	$164.45	—	EXTEND MKT ETF	922908652
META	META PLATFORMS INC	413	$201K	0.1%	$485.84 *	$443.21	0.0%	CL A	30303M102
LPRO	OPEN LENDING CORP	25,876	$162K	0.1%	$6.26 *	$28.33	-74.0%	COM	68373J104
PCT	PURECYCLE TECHNOLOGIES INC	17,500	$109K	0.1%	$6.22 *	$4.66	0.0%	COM	74623V103