Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SAN	BANCO SANTANDER SA	36,124	$499K	0.1%	—	—	ADR	05964H105
MTB	M & T BK CORP	1,778	$423K	0.1%	—	—	COM	55261F104
AMD	ADVANCED MICRO DEVICES INC	588	$342K	0.1%	—	—	COM	007903107
AMAT	APPLIED MATLS INC	4,131	$235K	0.1%	—	—	COM	038222105
IBDU	ISHARES TR	9,894	$229K	0.1%	—	—	IBONDS DEC 29	46436E205
AVGO	BROADCOM INC	589	$223K	0.1%	—	—	COM	11135F101
ABBV	ABBVIE INC	874	$220K	0.1%	—	—	COM	00287Y109
GOOGL	ALPHABET INC	604	$216K	0.1%	—	—	CAP STK CL A	02079K305
CSCO	CISCO SYS INC	1,731	$203K	0.1%	—	—	COM	17275R102
ORBS	EIGHTCO HOLDINGS INC	18,000	$12,519	0.0%	—	—	COM	22890A302

Increased Positions (18)

IVV ISHARES TR 19.0%

Value $69.71M (+20.0%) Shares 93,087 (+1.8%) Est. Cost — Unrealized —

VUG VANGUARD INDEX FDS 9.1%

Value $33.22M (+26.5%) Shares 385,700 (+516.9%) Est. Cost — Unrealized —

SCHA SCHWAB STRATEGIC TR 6.9%

Value $25.38M (+32.0%) Shares 702,414 (+2.6%) Est. Cost — Unrealized —

VTV VANGUARD INDEX FDS 9.6%

Value $35.29M (+16.9%) Shares 161,913 (+3.6%) Est. Cost — Unrealized —

VEA VANGUARD TAX-MANAGED FDS 7.9%

Value $28.84M (+17.0%) Shares 404,761 (+1.9%) Est. Cost — Unrealized —

DFNM DIMENSIONAL ETF TRUST 7.9%

Value $28.77M (+12.9%) Shares 545,339 (+1.7%) Est. Cost — Unrealized —

VWO VANGUARD INTL EQUITY INDEX F 3.5%

Value $12.65M (+16.6%) Shares 211,867 (+2.4%) Est. Cost — Unrealized —

BSV VANGUARD BD INDEX FDS 5.6%

Value $20.42M (+7.9%) Shares 421,601 (+6.4%) Est. Cost — Unrealized —

REET ISHARES TR 2.7%

Value $9.847M (+16.0%) Shares 356,526 (+4.1%) Est. Cost — Unrealized —

BLV VANGUARD BD INDEX FDS 4.5%

Value $16.34M (+8.4%) Shares 209,762 (+9.0%) Est. Cost — Unrealized —

DFSV DIMENSIONAL ETF TRUST 3.1%

Value $11.45M (+7.9%) Shares 288,532 (+1.3%) Est. Cost — Unrealized —

BND VANGUARD BD INDEX FDS 3.2%

Value $11.77M (+7.4%) Shares 170,811 (+6.7%) Est. Cost — Unrealized —

SCHH SCHWAB STRATEGIC TR 2.7%

Value $9.927M (+6.5%) Shares 429,163 (+6.6%) Est. Cost — Unrealized —

AAPL APPLE INC 0.7%

Value $2.511M (+21.4%) Shares 8,679 (+3.5%) Est. Cost — Unrealized —

JPM JPMORGAN CHASE & CO 0.2%

Value $775K (+23.4%) Shares 2,367 (+7.0%) Est. Cost — Unrealized —

V VISA INC 0.1%

Value $448K (+15.8%) Shares 1,306 (+1.1%) Est. Cost — Unrealized —

AMZN AMAZON COM INC 0.1%

Value $308K (+23.5%) Shares 1,292 (+4.1%) Est. Cost — Unrealized —

CVX CHEVRON CORPORATION 0.1%

Value $248K (-17.6%) Shares 1,497 (+4.8%) Est. Cost — Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES TR	93,087 (+1.8%)	$69.71M (+20.0%)	19.0%	—	—	CORE S&P500 ETF	464287200
VUG	VANGUARD INDEX FDS	385,700 (+516.9%)	$33.22M (+26.5%)	9.1%	—	—	GROWTH ETF	922908736
SCHA	SCHWAB STRATEGIC TR	702,414 (+2.6%)	$25.38M (+32.0%)	6.9%	—	—	US SML CAP ETF	808524607
VTV	VANGUARD INDEX FDS	161,913 (+3.6%)	$35.29M (+16.9%)	9.6%	—	—	VALUE ETF	922908744
VEA	VANGUARD TAX-MANAGED FDS	404,761 (+1.9%)	$28.84M (+17.0%)	7.9%	—	—	VAN FTSE DEV MKT	921943858
DFNM	DIMENSIONAL ETF TRUST	545,339 (+1.7%)	$28.77M (+12.9%)	7.9%	—	—	NATL MUN BD ETF	25434V849
VWO	VANGUARD INTL EQUITY INDEX F	211,867 (+2.4%)	$12.65M (+16.6%)	3.5%	—	—	FTSE EMR MKT ETF	922042858
BSV	VANGUARD BD INDEX FDS	421,601 (+6.4%)	$20.42M (+7.9%)	5.6%	—	—	SHORT TRM BOND	921937827
REET	ISHARES TR	356,526 (+4.1%)	$9.847M (+16.0%)	2.7%	—	—	GLOBAL REIT ETF	46434V647
BLV	VANGUARD BD INDEX FDS	209,762 (+9.0%)	$16.34M (+8.4%)	4.5%	—	—	LONG TERM BOND	921937793
DFSV	DIMENSIONAL ETF TRUST	288,532 (+1.3%)	$11.45M (+7.9%)	3.1%	—	—	US SMALL CAP ETF	25434V815
BND	VANGUARD BD INDEX FDS	170,811 (+6.7%)	$11.77M (+7.4%)	3.2%	—	—	TOTAL BND MRKT	921937835
SCHH	SCHWAB STRATEGIC TR	429,163 (+6.6%)	$9.927M (+6.5%)	2.7%	—	—	US REIT ETF	808524847
AAPL	APPLE INC	8,679 (+3.5%)	$2.511M (+21.4%)	0.7%	—	—	COM	037833100
JPM	JPMORGAN CHASE & CO	2,367 (+7.0%)	$775K (+23.4%)	0.2%	—	—	COM	46625H100
V	VISA INC	1,306 (+1.1%)	$448K (+15.8%)	0.1%	—	—	COM CL A	92826C839
AMZN	AMAZON COM INC	1,292 (+4.1%)	$308K (+23.5%)	0.1%	—	—	COM	023135106
CVX	CHEVRON CORPORATION	1,497 (+4.8%)	$248K (-17.6%)	0.1%	—	—	COM	166764100

Exited Positions (3)

BRK/A BERKSHIRE HATHAWAY INC DEL 0.6%

Value $2.138M Shares 3 Est. Cost — Unrealized —

TECB ISHARES TR 0.1%

Value $304K Shares 12,548 Est. Cost — Unrealized —

VUZI VUZIX CORP 0.0%

Value $26,374 Shares 12,741 Est. Cost — Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
BRK/A	BERKSHIRE HATHAWAY INC DEL	3	$2.138M	0.6%	—	—	—	084670108
TECB	ISHARES TR	12,548	$304K	0.1%	—	—	—	46436E502
VUZI	VUZIX CORP	12,741	$26,374	0.0%	—	—	—	92921W300

Decreased Positions (9)

VOT VANGUARD INDEX FDS 1.6%

Value $5.718M (+9.1%) Shares 20,897 (-8.6%) Est. Cost — Unrealized —

RSP INVESCO EXCHANGE TRADED FD T 0.8%

Value $2.771M (+8.9%) Shares 13,024 (-3.7%) Est. Cost — Unrealized —

EFA ISHARES TR 0.2%

Value $727K (-11.7%) Shares 6,995 (-20.0%) Est. Cost — Unrealized —

LDEM ISHARES TR 0.1%

Value $205K (-31.6%) Shares 8,481 (-31.6%) Est. Cost — Unrealized —

SCHV SCHWAB STRATEGIC TR 0.3%

Value $1.186M (+6.8%) Shares 32,703 (-6.0%) Est. Cost — Unrealized —

PGR PROGRESSIVE CORP 0.4%

Value $1.481M (+4.2%) Shares 6,780 (-3.9%) Est. Cost — Unrealized —

SPY STATE STR SPDR S&P 500 ETF T 0.3%

Value $1.121M (+4.8%) Shares 1,501 (-11.3%) Est. Cost — Unrealized —

TSLA TESLA INC 0.1%

Value $276K (+8.2%) Shares 657 (-8.6%) Est. Cost — Unrealized —

VOO VANGUARD INDEX FDS 0.1%

Value $225K (-0.1%) Shares 327 (-15.5%) Est. Cost — Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VOT	VANGUARD INDEX FDS	20,897 (-8.6%)	$5.718M (+9.1%)	1.6%	—	—	MCAP GR IDXVIP	922908538
RSP	INVESCO EXCHANGE TRADED FD T	13,024 (-3.7%)	$2.771M (+8.9%)	0.8%	—	—	S&P500 EQL WGT	46137V357
EFA	ISHARES TR	6,995 (-20.0%)	$727K (-11.7%)	0.2%	—	—	MSCI EAFE ETF	464287465
LDEM	ISHARES TR	8,481 (-31.6%)	$205K (-31.6%)	0.1%	—	—	ESG MSCI EM LDRS	46436E601
SCHV	SCHWAB STRATEGIC TR	32,703 (-6.0%)	$1.186M (+6.8%)	0.3%	—	—	US LCAP VA ETF	808524409
PGR	PROGRESSIVE CORP	6,780 (-3.9%)	$1.481M (+4.2%)	0.4%	—	—	COM	743315103
SPY	STATE STR SPDR S&P 500 ETF T	1,501 (-11.3%)	$1.121M (+4.8%)	0.3%	—	—	TR UNIT	78462F103
TSLA	TESLA INC	657 (-8.6%)	$276K (+8.2%)	0.1%	—	—	COM	88160R101
VOO	VANGUARD INDEX FDS	327 (-15.5%)	$225K (-0.1%)	0.1%	—	—	S&P 500 ETF SHS	922908363

Unchanged Positions (27)

SCHF SCHWAB STRATEGIC TR 1.6%

Value $5.851M Shares 211,231 Est. Cost — Unrealized —

SCHG SCHWAB STRATEGIC TR 1.4%

Value $5.139M Shares 147,643 Est. Cost — Unrealized —

CBSH COMMERCE BANCSHARES INC 0.8%

Value $3.011M Shares 44,863 Est. Cost — Unrealized —

CAT CATERPILLAR INC 0.3%

Value $942K Shares 885 Est. Cost — Unrealized —

APH AMPHENOL CORP 0.3%

Value $1.051M Shares 5,959 Est. Cost — Unrealized —

KEY KEYCORP 0.4%

Value $1.61M Shares 69,833 Est. Cost — Unrealized —

CARR CARRIER GLOBAL CORPORATION 0.3%

Value $981K Shares 13,381 Est. Cost — Unrealized —

NVDA NVIDIA CORPORATION 0.3%

Value $1.232M Shares 6,155 Est. Cost — Unrealized —

VB VANGUARD INDEX FDS 0.3%

Value $1.102M Shares 3,634 Est. Cost — Unrealized —

VNQ VANGUARD INDEX FDS 0.4%

Value $1.615M Shares 16,744 Est. Cost — Unrealized —

SCHB SCHWAB STRATEGIC TR 0.2%

Value $630K Shares 21,744 Est. Cost — Unrealized —

EWZ ISHARES INC 0.2%

Value $687K Shares 3,388 Est. Cost — Unrealized —

XOM EXXON MOBIL CORP 0.1%

Value $328K Shares 2,402 Est. Cost — Unrealized —

EEM ISHARES TR 0.1%

Value $340K Shares 4,967 Est. Cost — Unrealized —

SCHE SCHWAB STRATEGIC TR 0.1%

Value $399K Shares 11,780 Est. Cost — Unrealized —

RTX RTX CORPORATION 0.8%

Value $2.894M Shares 15,255 Est. Cost — Unrealized —

MSFT MICROSOFT CORP 0.3%

Value $1.027M Shares 2,752 Est. Cost — Unrealized —

CW CURTISS WRIGHT CORP 0.1%

Value $252K Shares 333 Est. Cost — Unrealized —

HD HOME DEPOT INC 0.1%

Value $463K Shares 1,313 Est. Cost — Unrealized —

OTIS OTIS WORLDWIDE CORP 0.1%

Value $479K Shares 6,690 Est. Cost — Unrealized —

MRK MERCK & CO INC 0.1%

Value $357K Shares 2,778 Est. Cost — Unrealized —

SHW SHERWIN WILLIAMS CO 0.1%

Value $301K Shares 873 Est. Cost — Unrealized —

META META PLATFORMS INC 0.1%

Value $337K Shares 598 Est. Cost — Unrealized —

AMGN AMGEN INC 0.1%

Value $362K Shares 1,000 Est. Cost — Unrealized —

JNJ JOHNSON & JOHNSON 0.1%

Value $287K Shares 1,131 Est. Cost — Unrealized —

SCHX SCHWAB STRATEGIC TR 0.1%

Value $317K Shares 9,987 Est. Cost — Unrealized —

SO SOUTHERN CO 0.1%

Value $256K Shares 2,671 Est. Cost — Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHF	SCHWAB STRATEGIC TR	211,231	$5.851M	1.6%	—	—	INTL EQTY ETF	808524805
SCHG	SCHWAB STRATEGIC TR	147,643	$5.139M	1.4%	—	—	US LCAP GR ETF	808524300
CBSH	COMMERCE BANCSHARES INC	44,863	$3.011M	0.8%	—	—	COM	200525103
CAT	CATERPILLAR INC	885	$942K	0.3%	—	—	COM	149123101
APH	AMPHENOL CORP	5,959	$1.051M	0.3%	—	—	CL A	032095101
KEY	KEYCORP	69,833	$1.61M	0.4%	—	—	COM	493267108
CARR	CARRIER GLOBAL CORPORATION	13,381	$981K	0.3%	—	—	COM	14448C104
NVDA	NVIDIA CORPORATION	6,155	$1.232M	0.3%	—	—	COM	67066G104
VB	VANGUARD INDEX FDS	3,634	$1.102M	0.3%	—	—	SMALL CP ETF	922908751
VNQ	VANGUARD INDEX FDS	16,744	$1.615M	0.4%	—	—	REAL ESTATE ETF	922908553
SCHB	SCHWAB STRATEGIC TR	21,744	$630K	0.2%	—	—	US BRD MKT ETF	808524102
EWZ	ISHARES INC	3,388	$687K	0.2%	—	—	MSCI BRAZIL ETF	464286400
XOM	EXXON MOBIL CORP	2,402	$328K	0.1%	—	—	COM	30231G102
EEM	ISHARES TR	4,967	$340K	0.1%	—	—	MSCI EMG MKT ETF	464287234
SCHE	SCHWAB STRATEGIC TR	11,780	$399K	0.1%	—	—	EMRG MKTEQ ETF	808524706
RTX	RTX CORPORATION	15,255	$2.894M	0.8%	—	—	COM	75513E101
MSFT	MICROSOFT CORP	2,752	$1.027M	0.3%	—	—	COM	594918104
CW	CURTISS WRIGHT CORP	333	$252K	0.1%	—	—	COM	231561101
HD	HOME DEPOT INC	1,313	$463K	0.1%	—	—	COM	437076102
OTIS	OTIS WORLDWIDE CORP	6,690	$479K	0.1%	—	—	COM	68902V107
MRK	MERCK & CO INC	2,778	$357K	0.1%	—	—	COM	58933Y105
SHW	SHERWIN WILLIAMS CO	873	$301K	0.1%	—	—	COM	824348106
META	META PLATFORMS INC	598	$337K	0.1%	—	—	CL A	30303M102
AMGN	AMGEN INC	1,000	$362K	0.1%	—	—	COM	031162100
JNJ	JOHNSON & JOHNSON	1,131	$287K	0.1%	—	—	COM	478160104
SCHX	SCHWAB STRATEGIC TR	9,987	$317K	0.1%	—	—	US LRG CAP ETF	808524201
SO	SOUTHERN CO	2,671	$256K	0.1%	—	—	COM	842587107