Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VTEB	VANGUARD MUN BD FDS	112,602 (+6.5%)	$5.691M (+6.8%)	4.0%	$49.47	—	TAX EXEMPT BD	922907746
BND	VANGUARD BD INDEX FDS	110,491 (+4.4%)	$8.081M (+3.4%)	5.7%	$72.41	—	TOTAL BND MRKT	921937835
BNDX	VANGUARD CHARLOTTE FDS	101,829 (+4.7%)	$4.91M (+4.8%)	3.5%	$48.62	—	TOTAL INT BD ETF	92203J407
SEIQ	SEI EXCHANGE TRADED FUNDS	66,846 (+4.3%)	$2.693M (+8.7%)	1.9%	$35.44	—	QIM US LRG CAP Q	81589A106
USIG	ISHARES TR	71,133 (+6.3%)	$3.634M (+5.4%)	2.6%	$50.49	—	USD INV GRDE ETF	464288620
SPHY	SPDR SERIES TRUST	148,763 (+4.9%)	$3.477M (+4.0%)	2.5%	$23.44	—	ST PORT HIGH ETF	78468R606
SCHZ	SCHWAB STRATEGIC TR	96,470 (+6.7%)	$2.225M (+5.6%)	1.6%	$22.92	—	US AGGREGATE B	808524839
IDEV	ISHARES TR	22,310 (+2.7%)	$2.018M (+5.5%)	1.4%	$69.88	—	CORE MSCI INTL	46435G326
SCHP	SCHWAB STRATEGIC TR	123,621 (+5.3%)	$3.251M (+3.2%)	2.3%	$25.93	—	US TIPS ETF	808524870
PAAA	PGIM ETF TR	61,739 (+3.3%)	$3.169M (+3.2%)	2.2%	$51.39	—	AAA CLO ETF	69344A834
VWOB	VANGUARD WHITEHALL FDS	30,210 (+5.2%)	$2.026M (+4.8%)	1.4%	$63.47	—	EM MK GOV BD ETF	921946885
ACWV	ISHARES INC	20,328 (+2.3%)	$2.483M (+3.6%)	1.8%	$108.96	—	MSCI GBL MIN VOL	464286525
EMLC	VANECK ETF TRUST	73,013 (+5.6%)	$1.868M (+4.6%)	1.3%	$23.46	—	JP MRGAN EM LOC	92189H300
MBB	ISHARES TR	18,600 (+5.9%)	$1.754M (+4.7%)	1.2%	$91.90	—	MBS ETF	464288588
HYD	VANECK ETF TRUST	21,692 (+5.5%)	$1.118M (+6.2%)	0.8%	$51.28	—	HIGH YLD MUNIETF	92189H409
TFLR	T ROWE PRICE EXCHANGE-TRADED	11,250 (+4.8%)	$568K (+4.0%)	0.4%	$50.90	—	FLOATING RATE	87283Q883
CGCB	CAPITAL GRP FIXED INCM ETF T	9,655 (+2.3%)	$253K (+1.3%)	0.2%	$26.43	—	CORE BOND ETF	14020Y508

Decreased Positions (22)

MUB ISHARES TR 3.5%

Value $5.008M (-7.4%) Shares 46,556 (-7.6%) Est. Cost $105.64 Unrealized —

SUB ISHARES TR 2.6%

Value $3.661M (-9.0%) Shares 34,423 (-8.7%) Est. Cost $105.36 Unrealized —

SEIV SEI EXCHANGE TRADED FUNDS 3.8%

Value $5.404M (+5.4%) Shares 112,470 (-3.5%) Est. Cost $33.77 Unrealized —

BCI ABRDN ETFS 1.6%

Value $2.284M (-10.3%) Shares 100,482 (-4.0%) Est. Cost $21.46 Unrealized —

SCHA SCHWAB STRATEGIC TR 4.1%

Value $5.826M (+3.5%) Shares 166,262 (-4.8%) Est. Cost $25.25 Unrealized —

SCHV SCHWAB STRATEGIC TR 1.3%

Value $1.863M (+6.3%) Shares 53,959 (-1.7%) Est. Cost $26.72 Unrealized —

DFUS DIMENSIONAL ETF TRUST 1.1%

Value $1.595M (-5.1%) Shares 19,380 (-10.6%) Est. Cost $63.17 Unrealized —

IEMG ISHARES INC 1.4%

Value $1.98M (+4.0%) Shares 24,149 (-1.2%) Est. Cost $52.59 Unrealized —

SEIM SEI EXCHANGE TRADED FUNDS 3.8%

Value $5.382M (+1.2%) Shares 98,882 (-5.8%) Est. Cost $39.53 Unrealized —

DFIV DIMENSIONAL ETF TRUST 0.4%

Value $504K (-10.9%) Shares 9,089 (-12.5%) Est. Cost $35.42 Unrealized —

SCHG SCHWAB STRATEGIC TR 1.6%

Value $2.233M (+2.7%) Shares 64,657 (-2.3%) Est. Cost $28.26 Unrealized —

DXJ WISDOMTREE TR 0.5%

Value $652K (+9.3%) Shares 3,629 (-1.8%) Est. Cost $112.77 Unrealized —

DFAI DIMENSIONAL ETF TRUST 0.2%

Value $327K (-9.6%) Shares 7,792 (-12.0%) Est. Cost $29.03 Unrealized —

DFAS DIMENSIONAL ETF TRUST 0.3%

Value $474K (-5.5%) Shares 5,797 (-10.9%) Est. Cost $64.12 Unrealized —

VBR VANGUARD INDEX FDS 0.5%

Value $710K (+3.9%) Shares 2,916 (-1.3%) Est. Cost $199.94 Unrealized —

USMV ISHARES TR 0.8%

Value $1.147M (+2.2%) Shares 11,721 (-1.8%) Est. Cost $88.17 Unrealized —

IWN ISHARES TR 0.2%

Value $213K (+6.1%) Shares 962 (-1.3%) Est. Cost $206.23 Unrealized —

IEFA ISHARES TR 0.8%

Value $1.167M (+0.9%) Shares 11,872 (-2.3%) Est. Cost $69.57 Unrealized —

HYMB SPDR SERIES TRUST 0.6%

Value $858K (-1.0%) Shares 33,859 (-1.7%) Est. Cost $25.17 Unrealized —

EBND SPDR SERIES TRUST 0.2%

Value $228K (-3.2%) Shares 10,871 (-1.7%) Est. Cost $19.47 Unrealized —

JPST J P MORGAN EXCHANGE TRADED F 0.2%

Value $226K (-1.7%) Shares 4,473 (-1.5%) Est. Cost $50.44 Unrealized —

SPEM SPDR INDEX SHS FDS 0.5%

Value $675K (+0.5%) Shares 12,982 (-1.4%) Est. Cost $39.60 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
MUB	ISHARES TR	46,556 (-7.6%)	$5.008M (-7.4%)	3.5%	$105.64	—	NATIONAL MUN ETF	464288414
SUB	ISHARES TR	34,423 (-8.7%)	$3.661M (-9.0%)	2.6%	$105.36	—	SHRT NAT MUN ETF	464288158
SEIV	SEI EXCHANGE TRADED FUNDS	112,470 (-3.5%)	$5.404M (+5.4%)	3.8%	$33.77	—	QIM US LARGE VAL	81589A304
BCI	ABRDN ETFS	100,482 (-4.0%)	$2.284M (-10.3%)	1.6%	$21.46	—	BBRG ALL COMD K1	003261104
SCHA	SCHWAB STRATEGIC TR	166,262 (-4.8%)	$5.826M (+3.5%)	4.1%	$25.25	—	US SML CAP ETF	808524607
SCHV	SCHWAB STRATEGIC TR	53,959 (-1.7%)	$1.863M (+6.3%)	1.3%	$26.72	—	US LCAP VA ETF	808524409
DFUS	DIMENSIONAL ETF TRUST	19,380 (-10.6%)	$1.595M (-5.1%)	1.1%	$63.17	—	US EQUI MARK ETF	25434V401
IEMG	ISHARES INC	24,149 (-1.2%)	$1.98M (+4.0%)	1.4%	$52.59	—	CORE MSCI EMKT	46434G103
SEIM	SEI EXCHANGE TRADED FUNDS	98,882 (-5.8%)	$5.382M (+1.2%)	3.8%	$39.53	—	QIM US LARGE CAP	81589A205
DFIV	DIMENSIONAL ETF TRUST	9,089 (-12.5%)	$504K (-10.9%)	0.4%	$35.42	—	INTERNATNAL VAL	25434V807
SCHG	SCHWAB STRATEGIC TR	64,657 (-2.3%)	$2.233M (+2.7%)	1.6%	$28.26	—	US LCAP GR ETF	808524300
DXJ	WISDOMTREE TR	3,629 (-1.8%)	$652K (+9.3%)	0.5%	$112.77	—	JAPN HEDGE EQT	97717W851
DFAI	DIMENSIONAL ETF TRUST	7,792 (-12.0%)	$327K (-9.6%)	0.2%	$29.03	—	INTL CORE EQT MK	25434V203
DFAS	DIMENSIONAL ETF TRUST	5,797 (-10.9%)	$474K (-5.5%)	0.3%	$64.12	—	US SMALL CAP ETF	25434V500
VBR	VANGUARD INDEX FDS	2,916 (-1.3%)	$710K (+3.9%)	0.5%	$199.94	—	SM CP VAL ETF	922908611
USMV	ISHARES TR	11,721 (-1.8%)	$1.147M (+2.2%)	0.8%	$88.17	—	MSCI USA MIN ETF	46429B697
IWN	ISHARES TR	962 (-1.3%)	$213K (+6.1%)	0.2%	$206.23	—	RUS 2000 VAL ETF	464287630
IEFA	ISHARES TR	11,872 (-2.3%)	$1.167M (+0.9%)	0.8%	$69.57	—	CORE MSCI EAFE	46432F842
HYMB	SPDR SERIES TRUST	33,859 (-1.7%)	$858K (-1.0%)	0.6%	$25.17	—	ST NUVE HIGH ETF	78464A284
EBND	SPDR SERIES TRUST	10,871 (-1.7%)	$228K (-3.2%)	0.2%	$19.47	—	SST SPDR BLOOMBE	78464A391
JPST	J P MORGAN EXCHANGE TRADED F	4,473 (-1.5%)	$226K (-1.7%)	0.2%	$50.44	—	ULTRA SHRT ETF	46641Q837
SPEM	SPDR INDEX SHS FDS	12,982 (-1.4%)	$675K (+0.5%)	0.5%	$39.60	—	ST PORT MARK ETF	78463X509

Unchanged Positions (20)

VEA VANGUARD TAX-MANAGED FDS 9.7%

Value $13.69M Shares 190,483 Est. Cost $47.66 Unrealized —

SCHX SCHWAB STRATEGIC TR 8.4%

Value $11.92M Shares 401,944 Est. Cost $23.24 Unrealized —

VTV VANGUARD INDEX FDS 2.2%

Value $3.164M Shares 14,419 Est. Cost $170.64 Unrealized —

VWO VANGUARD INTL EQUITY INDEX F 3.7%

Value $5.24M Shares 87,234 Est. Cost $42.82 Unrealized —

VUG VANGUARD INDEX FDS 2.0%

Value $2.849M Shares 32,866 Est. Cost $135.91 Unrealized —

DUHP DIMENSIONAL ETF TRUST 1.3%

Value $1.887M Shares 45,256 Est. Cost $33.84 Unrealized —

SCHM SCHWAB STRATEGIC TR 1.2%

Value $1.751M Shares 48,512 Est. Cost $28.82 Unrealized —

MCD MCDONALDS CORP 0.7%

Value $1.049M Shares 3,753 Est. Cost $290.22 Unrealized —

CVX CHEVRON CORPORATION 0.3%

Value $450K Shares 2,678 Est. Cost $145.50 Unrealized —

NOC NORTHROP GRUMMAN CORP 0.4%

Value $523K Shares 955 Est. Cost $492.97 Unrealized —

VBK VANGUARD INDEX FDS 0.4%

Value $624K Shares 1,731 Est. Cost $283.88 Unrealized —

SPEU SPDR INDEX SHS FDS 0.8%

Value $1.102M Shares 19,770 Est. Cost $43.10 Unrealized —

SCHC SCHWAB STRATEGIC TR 0.6%

Value $884K Shares 18,028 Est. Cost $37.15 Unrealized —

GMF SPDR INDEX SHS FDS 0.4%

Value $565K Shares 3,598 Est. Cost $119.31 Unrealized —

SELV SEI EXCHANGE TRADED FUNDS 0.5%

Value $752K Shares 22,736 Est. Cost $28.89 Unrealized —

EFAV ISHARES TR 0.3%

Value $435K Shares 4,870 Est. Cost $71.23 Unrealized —

VTIP VANGUARD MALVERN FDS 0.6%

Value $903K Shares 18,191 Est. Cost $48.68 Unrealized —

SPDW SPDR INDEX SHS FDS 0.2%

Value $320K Shares 6,287 Est. Cost $34.11 Unrealized —

SCHO SCHWAB STRATEGIC TR 0.8%

Value $1.135M Shares 47,125 Est. Cost $24.15 Unrealized —

CLIP GLOBAL X FDS 0.3%

Value $482K Shares 4,818 Est. Cost $100.21 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VEA	VANGUARD TAX-MANAGED FDS	190,483	$13.69M	9.7%	$47.66	—	VAN FTSE DEV MKT	921943858
SCHX	SCHWAB STRATEGIC TR	401,944	$11.92M	8.4%	$23.24	—	US LRG CAP ETF	808524201
VTV	VANGUARD INDEX FDS	14,419	$3.164M	2.2%	$170.64	—	VALUE ETF	922908744
VWO	VANGUARD INTL EQUITY INDEX F	87,234	$5.24M	3.7%	$42.82	—	FTSE EMR MKT ETF	922042858
VUG	VANGUARD INDEX FDS	32,866	$2.849M	2.0%	$135.91	—	GROWTH ETF	922908736
DUHP	DIMENSIONAL ETF TRUST	45,256	$1.887M	1.3%	$33.84	—	US HIGH PROF ETF	25434V831
SCHM	SCHWAB STRATEGIC TR	48,512	$1.751M	1.2%	$28.82	—	US MID-CAP ETF	808524508
MCD	MCDONALDS CORP	3,753	$1.049M	0.7%	$290.22	—	COM	580135101
CVX	CHEVRON CORPORATION	2,678	$450K	0.3%	$145.50	—	COM	166764100
NOC	NORTHROP GRUMMAN CORP	955	$523K	0.4%	$492.97	—	COM	666807102
VBK	VANGUARD INDEX FDS	1,731	$624K	0.4%	$283.88	—	SML CP GRW ETF	922908595
SPEU	SPDR INDEX SHS FDS	19,770	$1.102M	0.8%	$43.10	—	ST STR EUROP ETF	78463X103
SCHC	SCHWAB STRATEGIC TR	18,028	$884K	0.6%	$37.15	—	INTL SCEQT ETF	808524888
GMF	SPDR INDEX SHS FDS	3,598	$565K	0.4%	$119.31	—	ST STR ASIA ETF	78463X301
SELV	SEI EXCHANGE TRADED FUNDS	22,736	$752K	0.5%	$28.89	—	QIM US LARGE VOL	81589A403
EFAV	ISHARES TR	4,870	$435K	0.3%	$71.23	—	MSCI EAFE MIN VL	46429B689
VTIP	VANGUARD MALVERN FDS	18,191	$903K	0.6%	$48.68	—	STRM INFPROIDX	922020805
SPDW	SPDR INDEX SHS FDS	6,287	$320K	0.2%	$34.11	—	ST STR PO EX ETF	78463X889
SCHO	SCHWAB STRATEGIC TR	47,125	$1.135M	0.8%	$24.15	—	SHT TM US TRES	808524862
CLIP	GLOBAL X FDS	4,818	$482K	0.3%	$100.21	—	1 3 MO T BI ET	37960A438