William Howard & Co Financial Advisors Inc Diversified Active

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
IEFA	ISHARES TR	56,056 (+1.7%)	$5,015 (+4.3%)	4.2%	$1.61	—	CORE MSCI EAFE	46432F842
BND	VANGUARD BD INDEX FDS	60,532 (+2.3%)	$4,484 (+1.9%)	3.8%	$4.07	—	TOTAL BND MRKT	921937835
VTI	VANGUARD INDEX FDS	1,203 (+7.9%)	$403 (+10.2%)	0.3%	$42.82	—	TOTAL STK MKT	922908769
IBIT	ISHARES BITCOIN TRUST ETF	4,076 (+12.0%)	$202 (-14.4%)	0.2%	$63.35	—	SHS BEN INT	46438F101
SCZ	ISHARES TR	8,799 (+3.8%)	$682 (+4.9%)	0.6%	$2.88	—	EAFE SML CP ETF	464288273
FNDF	SCHWAB STRATEGIC TR	7,822 (+3.0%)	$354 (+8.4%)	0.3%	$1.36	—	FUNDAMENTAL INTL	808524755
PFF	ISHARES TR	28,092 (+1.2%)	$870 (-0.9%)	0.7%	$1.72	—	PFD AND INCM SEC	464288687
VIOO	VANGUARD ADMIRAL FDS INC	2,014 (+1.3%)	$223 (+1.8%)	0.2%	$101.34	—	SMLLCP 600 IDX	921932828

Decreased Positions (6)

IVV ISHARES TR 23.5%

Value ($000) $27,904 (+1.3%) Shares 40,739 (-1.1%) Est. Cost $0.53 Unrealized —

IEF ISHARES TR 10.5%

Value ($000) $12,469 (-2.5%) Shares 129,665 (-2.2%) Est. Cost $0.09 Unrealized —

APH AMPHENOL CORP NEW 1.5%

Value ($000) $1,784 (+3.6%) Shares 13,198 (-5.1%) Est. Cost $56.90 Unrealized +134.7%

IEMG ISHARES INC 0.9%

Value ($000) $1,108 (-1.7%) Shares 16,486 (-3.6%) Est. Cost $2.15 Unrealized —

SCHV SCHWAB STRATEGIC TR 0.2%

Value ($000) $235 (-3.8%) Shares 7,949 (-5.4%) Est. Cost $0.04 Unrealized —

QQQ INVESCO QQQ TR 0.9%

Value ($000) $1,021 (+0.5%) Shares 1,662 (-1.8%) Est. Cost $0.46 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES TR	40,739 (-1.1%)	$27,904 (+1.3%)	23.5%	$0.53	—	CORE S&P500 ETF	464287200
IEF	ISHARES TR	129,665 (-2.2%)	$12,469 (-2.5%)	10.5%	$0.09	—	7-10 YR TRSY BD	464287440
APH	AMPHENOL CORP NEW	13,198 (-5.1%)	$1,784 (+3.6%)	1.5%	$56.90	+134.7%	CL A	032095101
IEMG	ISHARES INC	16,486 (-3.6%)	$1,108 (-1.7%)	0.9%	$2.15	—	CORE MSCI EMKT	46434G103
SCHV	SCHWAB STRATEGIC TR	7,949 (-5.4%)	$235 (-3.8%)	0.2%	$0.04	—	US LCAP VA ETF	808524409
QQQ	INVESCO QQQ TR	1,662 (-1.8%)	$1,021 (+0.5%)	0.9%	$0.46	—	UNIT SER 1	46090E103

Unchanged Positions (42)

ICF ISHARES TR 8.1%

Value ($000) $9,563 Shares 160,269 Est. Cost $0.75 Unrealized —

IWM ISHARES TR 9.9%

Value ($000) $11,714 Shares 47,586 Est. Cost $2.77 Unrealized —

AAPL APPLE INC 1.5%

Value ($000) $1,831 Shares 6,733 Est. Cost $180.25 Unrealized +48.9%

FRDM EA SERIES TRUST 0.7%

Value ($000) $813 Shares 15,856 Est. Cost $0.03 Unrealized —

SYK STRYKER CORPORATION 1.6%

Value ($000) $1,930 Shares 5,490 Est. Cost $330.34 Unrealized +10.0%

IWV ISHARES TR 4.7%

Value ($000) $5,521 Shares 14,271 Est. Cost $0.30 Unrealized —

EFA ISHARES TR 2.5%

Value ($000) $2,936 Shares 30,575 Est. Cost $0.08 Unrealized —

IUSG ISHARES TR 3.2%

Value ($000) $3,790 Shares 22,566 Est. Cost $0.12 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 1.9%

Value ($000) $2,206 Shares 35,316 Est. Cost $0.05 Unrealized —

VNQ VANGUARD INDEX FDS 1.1%

Value ($000) $1,332 Shares 15,054 Est. Cost $3.17 Unrealized —

VNQI VANGUARD INTL EQUITY INDEX F 0.9%

Value ($000) $1,034 Shares 22,558 Est. Cost $0.04 Unrealized —

IWD ISHARES TR 0.7%

Value ($000) $810 Shares 3,851 Est. Cost $0.18 Unrealized —

IUSV ISHARES TR 0.7%

Value ($000) $826 Shares 8,056 Est. Cost $0.09 Unrealized —

MSFT MICROSOFT CORP 0.2%

Value ($000) $244 Shares 505 Est. Cost $405.08 Unrealized +23.6%

MCO MOODYS CORP 0.2%

Value ($000) $243 Shares 475 Est. Cost $393.01 Unrealized +24.0%

CRWD CROWDSTRIKE HLDGS INC 0.3%

Value ($000) $319 Shares 680 Est. Cost $332.51 Unrealized +53.1%

AVLV AMERICAN CENTY ETF TR 0.2%

Value ($000) $286 Shares 3,771 Est. Cost $0.06 Unrealized —

ITOT ISHARES TR 0.5%

Value ($000) $582 Shares 3,914 Est. Cost $34.62 Unrealized —

AMZN AMAZON COM INC 0.2%

Value ($000) $265 Shares 1,147 Est. Cost $167.73 Unrealized +36.4%

IBM INTERNATIONAL BUSINESS MACHS 0.2%

Value ($000) $263 Shares 887 Est. Cost $239.40 Unrealized +24.8%

IWF ISHARES TR 0.8%

Value ($000) $957 Shares 2,022 Est. Cost $0.34 Unrealized —

V VISA INC 0.3%

Value ($000) $379 Shares 1,082 Est. Cost $272.36 Unrealized +25.0%

VOO VANGUARD INDEX FDS 0.5%

Value ($000) $575 Shares 917 Est. Cost $0.49 Unrealized —

CTBI COMMUNITY TR BANCORP INC 0.7%

Value ($000) $879 Shares 15,557 Est. Cost $37.80 Unrealized +45.1%

SCHA SCHWAB STRATEGIC TR 0.3%

Value ($000) $327 Shares 11,498 Est. Cost $0.04 Unrealized —

TIP ISHARES TR 1.2%

Value ($000) $1,474 Shares 13,410 Est. Cost $0.11 Unrealized —

IJH ISHARES TR 0.5%

Value ($000) $539 Shares 8,166 Est. Cost $0.06 Unrealized —

SCHX SCHWAB STRATEGIC TR 0.2%

Value ($000) $289 Shares 10,721 Est. Cost $0.04 Unrealized —

VV VANGUARD INDEX FDS 0.2%

Value ($000) $226 Shares 719 Est. Cost $285.18 Unrealized —

SCHG SCHWAB STRATEGIC TR 0.2%

Value ($000) $266 Shares 8,147 Est. Cost $0.05 Unrealized —

IWN ISHARES TR 0.2%

Value ($000) $234 Shares 1,289 Est. Cost $157.76 Unrealized —

EEM ISHARES TR 0.2%

Value ($000) $221 Shares 4,048 Est. Cost $53.40 Unrealized —

IJR ISHARES TR 0.3%

Value ($000) $373 Shares 3,102 Est. Cost $0.11 Unrealized —

AGG ISHARES TR 0.8%

Value ($000) $933 Shares 9,340 Est. Cost $0.10 Unrealized —

FBND FIDELITY MERRIMACK STR TR 0.5%

Value ($000) $597 Shares 12,964 Est. Cost $0.05 Unrealized —

IEI ISHARES TR 2.9%

Value ($000) $3,480 Shares 29,157 Est. Cost $0.12 Unrealized —

IWO ISHARES TR 0.2%

Value ($000) $263 Shares 814 Est. Cost $0.27 Unrealized —

VUSB VANGUARD BD INDEX FDS 0.5%

Value ($000) $622 Shares 12,476 Est. Cost $0.05 Unrealized —

SHY ISHARES TR 1.4%

Value ($000) $1,695 Shares 20,461 Est. Cost $0.08 Unrealized —

VWO VANGUARD INTL EQUITY INDEX F 0.3%

Value ($000) $300 Shares 5,578 Est. Cost $0.05 Unrealized —

NVDA NVIDIA CORPORATION 0.3%

Value ($000) $308 Shares 1,650 Est. Cost $135.87 Unrealized +37.0%

BRK/B BERKSHIRE HATHAWAY INC DEL 0.2%

Value ($000) $215 Shares 428 Est. Cost $414.85 Unrealized +19.9%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
ICF	ISHARES TR	160,269	$9,563	8.1%	$0.75	—	SELECT US REIT	464287564
IWM	ISHARES TR	47,586	$11,714	9.9%	$2.77	—	RUSSELL 2000 ETF	464287655
AAPL	APPLE INC	6,733	$1,831	1.5%	$180.25	+48.9%	COM	037833100
FRDM	EA SERIES TRUST	15,856	$813	0.7%	$0.03	—	FREEDOM 100 EM	02072L607
SYK	STRYKER CORPORATION	5,490	$1,930	1.6%	$330.34	+10.0%	COM	863667101
IWV	ISHARES TR	14,271	$5,521	4.7%	$0.30	—	RUSSELL 3000 ETF	464287689
EFA	ISHARES TR	30,575	$2,936	2.5%	$0.08	—	MSCI EAFE ETF	464287465
IUSG	ISHARES TR	22,566	$3,790	3.2%	$0.12	—	CORE S&P US GWT	464287671
VEA	VANGUARD TAX-MANAGED FDS	35,316	$2,206	1.9%	$0.05	—	VAN FTSE DEV MKT	921943858
VNQ	VANGUARD INDEX FDS	15,054	$1,332	1.1%	$3.17	—	REAL ESTATE ETF	922908553
VNQI	VANGUARD INTL EQUITY INDEX F	22,558	$1,034	0.9%	$0.04	—	GLB EX US ETF	922042676
IWD	ISHARES TR	3,851	$810	0.7%	$0.18	—	RUS 1000 VAL ETF	464287598
IUSV	ISHARES TR	8,056	$826	0.7%	$0.09	—	CORE S&P US VLU	464287663
MSFT	MICROSOFT CORP	505	$244	0.2%	$405.08	+23.6%	COM	594918104
MCO	MOODYS CORP	475	$243	0.2%	$393.01	+24.0%	COM	615369105
CRWD	CROWDSTRIKE HLDGS INC	680	$319	0.3%	$332.51	+53.1%	CL A	22788C105
AVLV	AMERICAN CENTY ETF TR	3,771	$286	0.2%	$0.06	—	US LARGE CAP VLU	025072349
ITOT	ISHARES TR	3,914	$582	0.5%	$34.62	—	CORE S&P TTL STK	464287150
AMZN	AMAZON COM INC	1,147	$265	0.2%	$167.73	+36.4%	COM	023135106
IBM	INTERNATIONAL BUSINESS MACHS	887	$263	0.2%	$239.40	+24.8%	COM	459200101
IWF	ISHARES TR	2,022	$957	0.8%	$0.34	—	RUS 1000 GRW ETF	464287614
V	VISA INC	1,082	$379	0.3%	$272.36	+25.0%	COM CL A	92826C839
VOO	VANGUARD INDEX FDS	917	$575	0.5%	$0.49	—	S&P 500 ETF SHS	922908363
CTBI	COMMUNITY TR BANCORP INC	15,557	$879	0.7%	$37.80	+45.1%	COM	204149108
SCHA	SCHWAB STRATEGIC TR	11,498	$327	0.3%	$0.04	—	US SML CAP ETF	808524607
TIP	ISHARES TR	13,410	$1,474	1.2%	$0.11	—	TIPS BD ETF	464287176
IJH	ISHARES TR	8,166	$539	0.5%	$0.06	—	CORE S&P MCP ETF	464287507
SCHX	SCHWAB STRATEGIC TR	10,721	$289	0.2%	$0.04	—	US LRG CAP ETF	808524201
VV	VANGUARD INDEX FDS	719	$226	0.2%	$285.18	—	LARGE CAP ETF	922908637
SCHG	SCHWAB STRATEGIC TR	8,147	$266	0.2%	$0.05	—	US LCAP GR ETF	808524300
IWN	ISHARES TR	1,289	$234	0.2%	$157.76	—	RUS 2000 VAL ETF	464287630
EEM	ISHARES TR	4,048	$221	0.2%	$53.40	—	MSCI EMG MKT ETF	464287234
IJR	ISHARES TR	3,102	$373	0.3%	$0.11	—	CORE S&P SCP ETF	464287804
AGG	ISHARES TR	9,340	$933	0.8%	$0.10	—	CORE US AGGBD ET	464287226
FBND	FIDELITY MERRIMACK STR TR	12,964	$597	0.5%	$0.05	—	TOTAL BD ETF	316188309
IEI	ISHARES TR	29,157	$3,480	2.9%	$0.12	—	3 7 YR TREAS BD	464288661
IWO	ISHARES TR	814	$263	0.2%	$0.27	—	RUS 2000 GRW ETF	464287648
VUSB	VANGUARD BD INDEX FDS	12,476	$622	0.5%	$0.05	—	VANGUARD ULTRA	92203C303
SHY	ISHARES TR	20,461	$1,695	1.4%	$0.08	—	1 3 YR TREAS BD	464287457
VWO	VANGUARD INTL EQUITY INDEX F	5,578	$300	0.3%	$0.05	—	FTSE EMR MKT ETF	922042858
NVDA	NVIDIA CORPORATION	1,650	$308	0.3%	$135.87	+37.0%	COM	67066G104
BRK/B	BERKSHIRE HATHAWAY INC DEL	428	$215	0.2%	$414.85	+19.9%	CL B NEW	084670702