CUTLER INVESTMENT COUNSEL LLC Diversified Active

CIK: 0001285973 · Show all filings

Period: Q4 2025 (← Previous)

Filing Date: Feb 12, 2026

Total Value ($000): $961,312 (100.0% shares, 0.0% debt)

Holdings (144)

New Positions (6)

Q QNITY ELECTRONICS INC 0.4%

Value ($000) $3,964 Shares 48,546 Est. Cost $84.91 Unrealized 0.0%

FNDX SCHWAB STRATEGIC TR 0.1%

Value ($000) $949 Shares 34,886 Est. Cost $27.21 Unrealized —

AMGN AMGEN INC 0.0%

Value ($000) $221 Shares 674 Est. Cost $315.95 Unrealized 0.0%

IDR IDAHO STRATEGIC RESOURCES 0.0%

Value ($000) $202 Shares 5,000 Est. Cost $38.21 Unrealized 0.0%

QQQ INVESCO QQQ TR 0.0%

Value ($000) $123 Shares 200 Est. Cost $409.12 Unrealized —

RVPH REVIVA PHARMACEUTCLS HLDGS I 0.0%

Value ($000) $9 Shares 33,500 Est. Cost $0.56 Unrealized 0.0%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
Q	QNITY ELECTRONICS INC	48,546	$3,964	0.4%	$84.91	0.0%	COMMON STOCK	74743L100
FNDX	SCHWAB STRATEGIC TR	34,886	$949	0.1%	$27.21	—	FUNDAMENTAL US L	808524771
AMGN	AMGEN INC	674	$221	0.0%	$315.95	0.0%	COM	031162100
IDR	IDAHO STRATEGIC RESOURCES	5,000	$202	0.0%	$38.21	0.0%	COM NEW	645827205
QQQ	INVESCO QQQ TR	200	$123	0.0%	$409.12	—	PUT	46090E103
RVPH	REVIVA PHARMACEUTCLS HLDGS I	33,500	$9	0.0%	$0.56	0.0%	COM	76152G100

Increased Positions (48)

CVS CVS HEALTH CORP 1.3%

Value ($000) $12,037 (+22.0%) Shares 151,681 (+15.9%) Est. Cost $66.20 Unrealized +18.8%

JIRE J P MORGAN EXCHANGE TRADED F 3.6%

Value ($000) $34,836 (+6.5%) Shares 465,225 (+4.6%) Est. Cost $64.97 Unrealized —

IEFA ISHARES TR 4.6%

Value ($000) $44,588 (+4.3%) Shares 498,407 (+1.8%) Est. Cost $70.21 Unrealized —

IJR ISHARES TR 2.5%

Value ($000) $24,375 (+6.2%) Shares 202,824 (+5.0%) Est. Cost $105.18 Unrealized —

IGSB ISHARES TR 4.6%

Value ($000) $44,442 (+3.2%) Shares 840,439 (+3.5%) Est. Cost $64.11 Unrealized —

BND VANGUARD BD INDEX FDS 0.4%

Value ($000) $3,404 (+49.9%) Shares 45,954 (+50.5%) Est. Cost $75.86 Unrealized —

NKE NIKE INC 0.8%

Value ($000) $7,716 (+15.2%) Shares 120,391 (+26.1%) Est. Cost $88.96 Unrealized -27.0%

GOVT ISHARES TR 2.6%

Value ($000) $25,395 (+4.1%) Shares 1,102,938 (+4.6%) Est. Cost $23.21 Unrealized —

LEN LENNAR CORP 0.5%

Value ($000) $4,365 (+29.9%) Shares 42,464 (+59.3%) Est. Cost $122.51 Unrealized -1.5%

SPAB SPDR SERIES TRUST 3.0%

Value ($000) $28,410 (+3.1%) Shares 1,103,313 (+3.5%) Est. Cost $25.60 Unrealized —

SPYM SPDR SERIES TRUST 1.1%

Value ($000) $11,034 (+7.3%) Shares 137,541 (+4.8%) Est. Cost $70.14 Unrealized —

AAPL APPLE INC 0.7%

Value ($000) $6,851 (+10.3%) Shares 25,201 (+3.3%) Est. Cost $135.81 Unrealized +97.6%

SPEM SPDR INDEX SHS FDS 4.0%

Value ($000) $38,225 (+1.6%) Shares 816,599 (+1.6%) Est. Cost $35.13 Unrealized —

GOOG ALPHABET INC 0.2%

Value ($000) $2,346 (+32.4%) Shares 7,475 (+2.7%) Est. Cost $116.33 Unrealized +146.1%

VSS VANGUARD INTL EQUITY INDEX F 0.9%

Value ($000) $8,867 (+6.0%) Shares 61,864 (+5.4%) Est. Cost $123.28 Unrealized —

REET ISHARES TR 0.8%

Value ($000) $8,075 (+6.3%) Shares 323,641 (+8.9%) Est. Cost $25.16 Unrealized —

IVV ISHARES TR 1.0%

Value ($000) $9,269 (+4.8%) Shares 13,532 (+2.4%) Est. Cost $464.14 Unrealized —

VO VANGUARD INDEX FDS 4.9%

Value ($000) $46,886 (+0.8%) Shares 161,555 (+2.4%) Est. Cost $185.12 Unrealized —

EMLC VANECK ETF TRUST 0.9%

Value ($000) $8,698 (+4.1%) Shares 336,869 (+2.8%) Est. Cost $22.90 Unrealized —

BNDX VANGUARD CHARLOTTE FDS 0.1%

Value ($000) $1,358 (+31.9%) Shares 28,109 (+35.0%) Est. Cost $48.47 Unrealized —

NVDA NVIDIA CORPORATION 0.2%

Value ($000) $1,580 (+24.2%) Shares 8,470 (+24.2%) Est. Cost $124.40 Unrealized +49.6%

FNDF SCHWAB STRATEGIC TR 0.2%

Value ($000) $2,154 (+12.8%) Shares 47,642 (+7.2%) Est. Cost $33.59 Unrealized —

QQQ INVESCO QQQ TR 0.1%

Value ($000) $1,121 (+21.6%) Shares 1,824 (+19.0%) Est. Cost $409.12 Unrealized —

VT VANGUARD INTL EQUITY INDEX F 0.3%

Value ($000) $2,718 (+7.1%) Shares 19,266 (+4.7%) Est. Cost $98.16 Unrealized —

AMZN AMAZON COM INC 0.3%

Value ($000) $3,040 (+6.3%) Shares 13,169 (+1.1%) Est. Cost $132.56 Unrealized +72.6%

MINT PIMCO ETF TR 0.0%

Value ($000) $436 (+52.8%) Shares 4,328 (+52.8%) Est. Cost $101.26 Unrealized —

ESGV VANGUARD WORLD FD 0.0%

Value ($000) $453 (+48.6%) Shares 3,746 (+45.5%) Est. Cost $105.39 Unrealized —

TSLA TESLA INC 0.1%

Value ($000) $1,305 (+12.3%) Shares 2,901 (+11.1%) Est. Cost $303.04 Unrealized +46.3%

COST COSTCO WHSL CORP NEW 0.3%

Value ($000) $2,528 (-4.9%) Shares 2,931 (+2.0%) Est. Cost $556.94 Unrealized +62.6%

FNDA SCHWAB STRATEGIC TR 0.2%

Value ($000) $2,258 (+5.8%) Shares 71,662 (+4.6%) Est. Cost $39.12 Unrealized —

GVA GRANITE CONSTR INC 0.0%

Value ($000) $422 (+39.6%) Shares 3,650 (+32.7%) Est. Cost $94.39 Unrealized +13.8%

SPY SPDR S&P 500 ETF TR 0.2%

Value ($000) $1,696 (+7.3%) Shares 2,480 (+4.8%) Est. Cost $473.35 Unrealized —

SCHV SCHWAB STRATEGIC TR 0.0%

Value ($000) $429 (+35.4%) Shares 14,478 (+33.1%) Est. Cost $27.63 Unrealized —

FNDC SCHWAB STRATEGIC TR 0.3%

Value ($000) $2,438 (+4.6%) Shares 54,729 (+4.5%) Est. Cost $35.47 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.3%

Value ($000) $2,791 (+3.3%) Shares 5,553 (+3.3%) Est. Cost $330.29 Unrealized +50.6%

CSCO CISCO SYS INC 0.1%

Value ($000) $483 (+15.3%) Shares 6,274 (+2.4%) Est. Cost $30.21 Unrealized +144.2%

BIV VANGUARD BD INDEX FDS 0.7%

Value ($000) $7,111 (+0.9%) Shares 91,302 (+1.1%) Est. Cost $75.77 Unrealized —

VSGX VANGUARD WORLD FD 0.1%

Value ($000) $526 (+12.8%) Shares 7,348 (+9.3%) Est. Cost $54.20 Unrealized —

FNDE SCHWAB STRATEGIC TR 0.1%

Value ($000) $1,108 (+5.4%) Shares 30,729 (+5.7%) Est. Cost $28.49 Unrealized —

VOO VANGUARD INDEX FDS 0.0%

Value ($000) $382 (+14.9%) Shares 610 (+12.5%) Est. Cost $525.41 Unrealized —

ESGE ISHARES INC 0.0%

Value ($000) $330 (+14.7%) Shares 7,466 (+12.8%) Est. Cost $35.99 Unrealized —

VGT VANGUARD WORLD FD 0.1%

Value ($000) $1,067 (+4.0%) Shares 1,415 (+3.0%) Est. Cost $491.78 Unrealized —

VCSH VANGUARD SCOTTSDALE FDS 0.2%

Value ($000) $1,856 (+1.4%) Shares 23,281 (+1.6%) Est. Cost $77.07 Unrealized —

AGG ISHARES TR 0.0%

Value ($000) $331 (+5.6%) Shares 3,314 (+6.0%) Est. Cost $97.18 Unrealized —

XLU SELECT SECTOR SPDR TR 0.1%

Value ($000) $522 (-2.1%) Shares 12,238 (+100.0%) Est. Cost $56.31 Unrealized —

VWO VANGUARD INTL EQUITY INDEX F 0.4%

Value ($000) $3,903 (+0.3%) Shares 72,606 (+1.1%) Est. Cost $43.75 Unrealized —

NFLX NETFLIX INC 0.0%

Value ($000) $457 (-1.6%) Shares 4,870 (+1158.4%) Est. Cost $105.78 Unrealized +1.9%

BP BP PLC 0.0%

Value ($000) $239 (+3.0%) Shares 6,880 (+2.2%) Est. Cost $33.81 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
CVS	CVS HEALTH CORP	151,681 (+15.9%)	$12,037 (+22.0%)	1.3%	$66.20	+18.8%	COM	126650100
JIRE	J P MORGAN EXCHANGE TRADED F	465,225 (+4.6%)	$34,836 (+6.5%)	3.6%	$64.97	—	INTRNL RES EQT	46641Q134
IEFA	ISHARES TR	498,407 (+1.8%)	$44,588 (+4.3%)	4.6%	$70.21	—	CORE MSCI EAFE	46432F842
IJR	ISHARES TR	202,824 (+5.0%)	$24,375 (+6.2%)	2.5%	$105.18	—	CORE S&P SCP ETF	464287804
IGSB	ISHARES TR	840,439 (+3.5%)	$44,442 (+3.2%)	4.6%	$64.11	—	ISHS 1-5YR INVS	464288646
BND	VANGUARD BD INDEX FDS	45,954 (+50.5%)	$3,404 (+49.9%)	0.4%	$75.86	—	TOTAL BND MRKT	921937835
NKE	NIKE INC	120,391 (+26.1%)	$7,716 (+15.2%)	0.8%	$88.96	-27.0%	CL B	654106103
GOVT	ISHARES TR	1,102,938 (+4.6%)	$25,395 (+4.1%)	2.6%	$23.21	—	US TREAS BD ETF	46429B267
LEN	LENNAR CORP	42,464 (+59.3%)	$4,365 (+29.9%)	0.5%	$122.51	-1.5%	CL A	526057104
SPAB	SPDR SERIES TRUST	1,103,313 (+3.5%)	$28,410 (+3.1%)	3.0%	$25.60	—	STATE STREET SPD	78464A649
SPYM	SPDR SERIES TRUST	137,541 (+4.8%)	$11,034 (+7.3%)	1.1%	$70.14	—	STATE STREET SPD	78464A854
AAPL	APPLE INC	25,201 (+3.3%)	$6,851 (+10.3%)	0.7%	$135.81	+97.6%	COM	037833100
SPEM	SPDR INDEX SHS FDS	816,599 (+1.6%)	$38,225 (+1.6%)	4.0%	$35.13	—	PORTFOLIO EMG MK	78463X509
GOOG	ALPHABET INC	7,475 (+2.7%)	$2,346 (+32.4%)	0.2%	$116.33	+146.1%	CAP STK CL C	02079K107
VSS	VANGUARD INTL EQUITY INDEX F	61,864 (+5.4%)	$8,867 (+6.0%)	0.9%	$123.28	—	FTSE SMCAP ETF	922042718
REET	ISHARES TR	323,641 (+8.9%)	$8,075 (+6.3%)	0.8%	$25.16	—	GLOBAL REIT ETF	46434V647
IVV	ISHARES TR	13,532 (+2.4%)	$9,269 (+4.8%)	1.0%	$464.14	—	CORE S&P500 ETF	464287200
VO	VANGUARD INDEX FDS	161,555 (+2.4%)	$46,886 (+0.8%)	4.9%	$185.12	—	MID CAP ETF	922908629
EMLC	VANECK ETF TRUST	336,869 (+2.8%)	$8,698 (+4.1%)	0.9%	$22.90	—	JP MRGAN EM LOC	92189H300
BNDX	VANGUARD CHARLOTTE FDS	28,109 (+35.0%)	$1,358 (+31.9%)	0.1%	$48.47	—	TOTAL INT BD ETF	92203J407
NVDA	NVIDIA CORPORATION	8,470 (+24.2%)	$1,580 (+24.2%)	0.2%	$124.40	+49.6%	COM	67066G104
FNDF	SCHWAB STRATEGIC TR	47,642 (+7.2%)	$2,154 (+12.8%)	0.2%	$33.59	—	FUNDAMENTAL INTL	808524755
QQQ	INVESCO QQQ TR	1,824 (+19.0%)	$1,121 (+21.6%)	0.1%	$409.12	—	UNIT SER 1	46090E103
VT	VANGUARD INTL EQUITY INDEX F	19,266 (+4.7%)	$2,718 (+7.1%)	0.3%	$98.16	—	TT WRLD ST ETF	922042742
AMZN	AMAZON COM INC	13,169 (+1.1%)	$3,040 (+6.3%)	0.3%	$132.56	+72.6%	COM	023135106
MINT	PIMCO ETF TR	4,328 (+52.8%)	$436 (+52.8%)	0.0%	$101.26	—	ENHAN SHRT MA AC	72201R833
ESGV	VANGUARD WORLD FD	3,746 (+45.5%)	$453 (+48.6%)	0.0%	$105.39	—	ESG US STK ETF	921910733
TSLA	TESLA INC	2,901 (+11.1%)	$1,305 (+12.3%)	0.1%	$303.04	+46.3%	COM	88160R101
COST	COSTCO WHSL CORP NEW	2,931 (+2.0%)	$2,528 (-4.9%)	0.3%	$556.94	+62.6%	COM	22160K105
FNDA	SCHWAB STRATEGIC TR	71,662 (+4.6%)	$2,258 (+5.8%)	0.2%	$39.12	—	FUNDAMENTAL US S	808524763
GVA	GRANITE CONSTR INC	3,650 (+32.7%)	$422 (+39.6%)	0.0%	$94.39	+13.8%	COM	387328107
SPY	SPDR S&P 500 ETF TR	2,480 (+4.8%)	$1,696 (+7.3%)	0.2%	$473.35	—	TR UNIT	78462F103
SCHV	SCHWAB STRATEGIC TR	14,478 (+33.1%)	$429 (+35.4%)	0.0%	$27.63	—	US LCAP VA ETF	808524409
FNDC	SCHWAB STRATEGIC TR	54,729 (+4.5%)	$2,438 (+4.6%)	0.3%	$35.47	—	FUNDAMENTAL INTL	808524748
BRK/B	BERKSHIRE HATHAWAY INC DEL	5,553 (+3.3%)	$2,791 (+3.3%)	0.3%	$330.29	+50.6%	CL B NEW	084670702
CSCO	CISCO SYS INC	6,274 (+2.4%)	$483 (+15.3%)	0.1%	$30.21	+144.2%	COM	17275R102
BIV	VANGUARD BD INDEX FDS	91,302 (+1.1%)	$7,111 (+0.9%)	0.7%	$75.77	—	INTERMED TERM	921937819
VSGX	VANGUARD WORLD FD	7,348 (+9.3%)	$526 (+12.8%)	0.1%	$54.20	—	ESG INTL STK ETF	921910725
FNDE	SCHWAB STRATEGIC TR	30,729 (+5.7%)	$1,108 (+5.4%)	0.1%	$28.49	—	FUNDAMENTAL EMER	808524730
VOO	VANGUARD INDEX FDS	610 (+12.5%)	$382 (+14.9%)	0.0%	$525.41	—	S&P 500 ETF SHS	922908363
ESGE	ISHARES INC	7,466 (+12.8%)	$330 (+14.7%)	0.0%	$35.99	—	ESG AWR MSCI EM	46434G863
VGT	VANGUARD WORLD FD	1,415 (+3.0%)	$1,067 (+4.0%)	0.1%	$491.78	—	INF TECH ETF	92204A702
VCSH	VANGUARD SCOTTSDALE FDS	23,281 (+1.6%)	$1,856 (+1.4%)	0.2%	$77.07	—	SHRT TRM CORP BD	92206C409
AGG	ISHARES TR	3,314 (+6.0%)	$331 (+5.6%)	0.0%	$97.18	—	CORE US AGGBD ET	464287226
XLU	SELECT SECTOR SPDR TR	12,238 (+100.0%)	$522 (-2.1%)	0.1%	$56.31	—	STATE STREET UTI	81369Y886
VWO	VANGUARD INTL EQUITY INDEX F	72,606 (+1.1%)	$3,903 (+0.3%)	0.4%	$43.75	—	FTSE EMR MKT ETF	922042858
NFLX	NETFLIX INC	4,870 (+1158.4%)	$457 (-1.6%)	0.0%	$105.78	+1.9%	COM	64110L106
BP	BP PLC	6,880 (+2.2%)	$239 (+3.0%)	0.0%	$33.81	—	SPONSORED ADR	055622104

Exited Positions (2)

PM PHILIP MORRIS INTL INC 0.0%

Value ($000) $310 Shares 1,909 Est. Cost $91.29 Unrealized +68.2%

ORCL ORACLE CORP 0.0%

Value ($000) $305 Shares 1,083 Est. Cost $160.80 Unrealized +48.0%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
PM	PHILIP MORRIS INTL INC	1,909	$310	0.0%	$91.29	+68.2%	—	718172109
ORCL	ORACLE CORP	1,083	$305	0.0%	$160.80	+48.0%	—	68389X105

Decreased Positions (51)

DD DUPONT DE NEMOURS INC 0.4%

Value ($000) $3,610 (-54.3%) Shares 89,789 (-11.4%) Est. Cost $21.58 Unrealized +73.3%

HD HOME DEPOT INC 1.7%

Value ($000) $16,107 (-17.8%) Shares 46,810 (-3.3%) Est. Cost $79.71 Unrealized +357.4%

MSFT MICROSOFT CORP 3.4%

Value ($000) $33,053 (-8.0%) Shares 68,345 (-1.4%) Est. Cost $69.98 Unrealized +615.3%

BLK BLACKROCK INC 2.0%

Value ($000) $19,117 (-10.0%) Shares 17,861 (-1.9%) Est. Cost $991.05 Unrealized +9.9%

CAT CATERPILLAR INC 2.8%

Value ($000) $27,013 (-7.1%) Shares 47,154 (-22.6%) Est. Cost $68.64 Unrealized +709.3%

RSG REPUBLIC SVCS INC 1.7%

Value ($000) $16,708 (-9.8%) Shares 78,836 (-2.3%) Est. Cost $66.77 Unrealized +221.4%

SPGI S&P GLOBAL INC 0.4%

Value ($000) $3,966 (-30.8%) Shares 7,590 (-35.5%) Est. Cost $337.20 Unrealized +46.6%

MRK MERCK & CO INC 1.0%

Value ($000) $9,399 (+20.6%) Shares 88,580 (-3.7%) Est. Cost $36.86 Unrealized +153.0%

RTX RTX CORPORATION 2.2%

Value ($000) $21,336 (+7.0%) Shares 116,338 (-2.4%) Est. Cost $69.66 Unrealized +148.8%

CARR CARRIER GLOBAL CORPORATION 0.8%

Value ($000) $7,851 (-13.4%) Shares 148,583 (-2.2%) Est. Cost $24.42 Unrealized +127.3%

WMT WALMART INC 2.6%

Value ($000) $24,659 (+5.1%) Shares 221,338 (-2.7%) Est. Cost $44.58 Unrealized +140.5%

KR KROGER CO 1.2%

Value ($000) $11,089 (-9.4%) Shares 177,485 (-2.2%) Est. Cost $26.82 Unrealized +143.1%

VZ VERIZON COMMUNICATIONS INC 1.0%

Value ($000) $9,632 (-9.8%) Shares 236,481 (-2.6%) Est. Cost $32.28 Unrealized +25.4%

TXN TEXAS INSTRS INC 1.0%

Value ($000) $9,891 (-8.8%) Shares 57,011 (-3.4%) Est. Cost $33.64 Unrealized +407.5%

PG PROCTER AND GAMBLE CO 0.9%

Value ($000) $8,620 (-9.2%) Shares 60,146 (-2.7%) Est. Cost $63.48 Unrealized +131.8%

JNJ JOHNSON & JOHNSON 1.1%

Value ($000) $10,384 (+9.0%) Shares 50,177 (-2.3%) Est. Cost $71.40 Unrealized +175.9%

RPG INVESCO EXCHANGE TRADED FD T 1.1%

Value ($000) $10,213 (-7.7%) Shares 218,806 (-5.6%) Est. Cost $49.55 Unrealized —

CVX CHEVRON CORP NEW 1.1%

Value ($000) $10,324 (-5.7%) Shares 67,738 (-4.0%) Est. Cost $78.45 Unrealized +93.0%

XOM EXXON MOBIL CORP 1.5%

Value ($000) $14,385 (+3.7%) Shares 119,536 (-2.8%) Est. Cost $51.83 Unrealized +122.8%

NEE NEXTERA ENERGY INC 1.1%

Value ($000) $10,866 (+4.2%) Shares 135,352 (-2.0%) Est. Cost $55.23 Unrealized +49.4%

JPM JPMORGAN CHASE & CO. 1.5%

Value ($000) $14,792 (-2.0%) Shares 45,906 (-4.1%) Est. Cost $83.08 Unrealized +272.6%

IBM INTERNATIONAL BUSINESS MACHS 1.3%

Value ($000) $12,632 (+2.4%) Shares 42,646 (-2.4%) Est. Cost $100.93 Unrealized +196.0%

MCD MCDONALDS CORP 1.6%

Value ($000) $15,612 (-1.8%) Shares 51,082 (-2.3%) Est. Cost $86.71 Unrealized +251.9%

TQQQ PROSHARES TR 0.0%

Value ($000) $207 (-50.9%) Shares 3,919 (-3.6%) Est. Cost $65.89 Unrealized —

PFE PFIZER INC 0.4%

Value ($000) $4,115 (-4.7%) Shares 165,269 (-2.4%) Est. Cost $25.12 Unrealized -0.3%

PDN INVESCO EXCH TRADED FD TR II 0.5%

Value ($000) $4,391 (-4.3%) Shares 104,096 (-6.7%) Est. Cost $32.72 Unrealized —

MDT MEDTRONIC PLC 1.2%

Value ($000) $11,367 (-1.4%) Shares 117,479 (-2.2%) Est. Cost $73.56 Unrealized +32.0%

SBUX STARBUCKS CORP 0.1%

Value ($000) $692 (-18.4%) Shares 8,214 (-18.0%) Est. Cost $84.86 Unrealized -0.9%

SCHW SCHWAB CHARLES CORP 2.0%

Value ($000) $18,786 (+0.8%) Shares 188,026 (-3.6%) Est. Cost $33.51 Unrealized +182.7%

IBIT ISHARES BITCOIN TRUST ETF 0.0%

Value ($000) $245 (-36.7%) Shares 4,942 (-17.2%) Est. Cost $53.89 Unrealized —

DE DEERE & CO 1.6%

Value ($000) $15,320 (-0.7%) Shares 32,791 (-2.5%) Est. Cost $80.32 Unrealized +482.3%

ABBV ABBVIE INC 0.1%

Value ($000) $726 (-11.2%) Shares 3,179 (-10.0%) Est. Cost $125.36 Unrealized +81.5%

VNQI VANGUARD INTL EQUITY INDEX F 0.0%

Value ($000) $242 (-27.0%) Shares 5,280 (-24.0%) Est. Cost $53.70 Unrealized —

IUSG ISHARES TR 3.4%

Value ($000) $32,351 (-0.2%) Shares 192,634 (-2.3%) Est. Cost $104.20 Unrealized —

PNC PNC FINL SVCS GROUP INC 1.0%

Value ($000) $9,298 (+0.6%) Shares 44,546 (-3.1%) Est. Cost $97.25 Unrealized +98.2%

BDX BECTON DICKINSON & CO 0.8%

Value ($000) $8,044 (-0.7%) Shares 41,450 (-4.2%) Est. Cost $97.08 Unrealized +95.2%

GLD SPDR GOLD TR 0.1%

Value ($000) $995 (+5.0%) Shares 2,511 (-5.8%) Est. Cost $179.65 Unrealized —

PEP PEPSICO INC 0.9%

Value ($000) $8,315 (+0.6%) Shares 57,369 (-2.6%) Est. Cost $67.47 Unrealized +116.3%

EFAV ISHARES TR 0.8%

Value ($000) $7,369 (-0.5%) Shares 85,432 (-2.1%) Est. Cost $72.17 Unrealized —

SCHD SCHWAB STRATEGIC TR 0.5%

Value ($000) $4,365 (-0.7%) Shares 159,122 (-1.2%) Est. Cost $43.18 Unrealized —

MTB M & T BK CORP 0.8%

Value ($000) $7,903 (-0.3%) Shares 39,223 (-2.2%) Est. Cost $82.14 Unrealized +131.4%

TSM TAIWAN SEMICONDUCTOR MFG LTD 0.0%

Value ($000) $342 (+7.6%) Shares 1,122 (-1.1%) Est. Cost $280.11 Unrealized —

VXF VANGUARD INDEX FDS 0.0%

Value ($000) $422 (-4.9%) Shares 2,020 (-4.8%) Est. Cost $134.96 Unrealized —

EMB ISHARES TR 0.1%

Value ($000) $560 (-2.8%) Shares 5,819 (-3.9%) Est. Cost $88.19 Unrealized —

SCZ ISHARES TR 0.1%

Value ($000) $652 (-2.3%) Shares 8,407 (-3.3%) Est. Cost $59.64 Unrealized —

ALK ALASKA AIR GROUP INC 0.0%

Value ($000) $364 (-2.2%) Shares 7,238 (-3.2%) Est. Cost $54.53 Unrealized -15.2%

EMR EMERSON ELEC CO 0.0%

Value ($000) $458 (-1.7%) Shares 3,450 (-2.8%) Est. Cost $40.81 Unrealized +224.4%

IEMG ISHARES INC 0.0%

Value ($000) $232 (-1.7%) Shares 3,456 (-3.6%) Est. Cost $60.24 Unrealized —

VBR VANGUARD INDEX FDS 0.0%

Value ($000) $373 (-0.9%) Shares 1,763 (-1.9%) Est. Cost $118.94 Unrealized —

AVGO BROADCOM INC 0.0%

Value ($000) $379 (-0.8%) Shares 1,094 (-5.4%) Est. Cost $221.59 Unrealized +61.1%

VTI VANGUARD INDEX FDS 0.7%

Value ($000) $6,613 (+0.0%) Shares 19,724 (-1.8%) Est. Cost $228.07 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
DD	DUPONT DE NEMOURS INC	89,789 (-11.4%)	$3,610 (-54.3%)	0.4%	$21.58	+73.3%	COM	26614N102
HD	HOME DEPOT INC	46,810 (-3.3%)	$16,107 (-17.8%)	1.7%	$79.71	+357.4%	COM	437076102
MSFT	MICROSOFT CORP	68,345 (-1.4%)	$33,053 (-8.0%)	3.4%	$69.98	+615.3%	COM	594918104
BLK	BLACKROCK INC	17,861 (-1.9%)	$19,117 (-10.0%)	2.0%	$991.05	+9.9%	COM	09290D101
CAT	CATERPILLAR INC	47,154 (-22.6%)	$27,013 (-7.1%)	2.8%	$68.64	+709.3%	COM	149123101
RSG	REPUBLIC SVCS INC	78,836 (-2.3%)	$16,708 (-9.8%)	1.7%	$66.77	+221.4%	COM	760759100
SPGI	S&P GLOBAL INC	7,590 (-35.5%)	$3,966 (-30.8%)	0.4%	$337.20	+46.6%	COM	78409V104
MRK	MERCK & CO INC	88,580 (-3.7%)	$9,399 (+20.6%)	1.0%	$36.86	+153.0%	COM	58933Y105
RTX	RTX CORPORATION	116,338 (-2.4%)	$21,336 (+7.0%)	2.2%	$69.66	+148.8%	COM	75513E101
CARR	CARRIER GLOBAL CORPORATION	148,583 (-2.2%)	$7,851 (-13.4%)	0.8%	$24.42	+127.3%	COM	14448C104
WMT	WALMART INC	221,338 (-2.7%)	$24,659 (+5.1%)	2.6%	$44.58	+140.5%	COM	931142103
KR	KROGER CO	177,485 (-2.2%)	$11,089 (-9.4%)	1.2%	$26.82	+143.1%	COM	501044101
VZ	VERIZON COMMUNICATIONS INC	236,481 (-2.6%)	$9,632 (-9.8%)	1.0%	$32.28	+25.4%	COM	92343V104
TXN	TEXAS INSTRS INC	57,011 (-3.4%)	$9,891 (-8.8%)	1.0%	$33.64	+407.5%	COM	882508104
PG	PROCTER AND GAMBLE CO	60,146 (-2.7%)	$8,620 (-9.2%)	0.9%	$63.48	+131.8%	COM	742718109
JNJ	JOHNSON & JOHNSON	50,177 (-2.3%)	$10,384 (+9.0%)	1.1%	$71.40	+175.9%	COM	478160104
RPG	INVESCO EXCHANGE TRADED FD T	218,806 (-5.6%)	$10,213 (-7.7%)	1.1%	$49.55	—	S&P500 PUR GWT	46137V266
CVX	CHEVRON CORP NEW	67,738 (-4.0%)	$10,324 (-5.7%)	1.1%	$78.45	+93.0%	COM	166764100
XOM	EXXON MOBIL CORP	119,536 (-2.8%)	$14,385 (+3.7%)	1.5%	$51.83	+122.8%	COM	30231G102
NEE	NEXTERA ENERGY INC	135,352 (-2.0%)	$10,866 (+4.2%)	1.1%	$55.23	+49.4%	COM	65339F101
JPM	JPMORGAN CHASE & CO.	45,906 (-4.1%)	$14,792 (-2.0%)	1.5%	$83.08	+272.6%	COM	46625H100
IBM	INTERNATIONAL BUSINESS MACHS	42,646 (-2.4%)	$12,632 (+2.4%)	1.3%	$100.93	+196.0%	COM	459200101
MCD	MCDONALDS CORP	51,082 (-2.3%)	$15,612 (-1.8%)	1.6%	$86.71	+251.9%	COM	580135101
TQQQ	PROSHARES TR	3,919 (-3.6%)	$207 (-50.9%)	0.0%	$65.89	—	ULTRAPRO QQQ	74347X831
PFE	PFIZER INC	165,269 (-2.4%)	$4,115 (-4.7%)	0.4%	$25.12	-0.3%	COM	717081103
PDN	INVESCO EXCH TRADED FD TR II	104,096 (-6.7%)	$4,391 (-4.3%)	0.5%	$32.72	—	RAFI DVLPD MRKTS	46138E735
MDT	MEDTRONIC PLC	117,479 (-2.2%)	$11,367 (-1.4%)	1.2%	$73.56	+32.0%	SHS	G5960L103
SBUX	STARBUCKS CORP	8,214 (-18.0%)	$692 (-18.4%)	0.1%	$84.86	-0.9%	COM	855244109
SCHW	SCHWAB CHARLES CORP	188,026 (-3.6%)	$18,786 (+0.8%)	2.0%	$33.51	+182.7%	COM	808513105
IBIT	ISHARES BITCOIN TRUST ETF	4,942 (-17.2%)	$245 (-36.7%)	0.0%	$53.89	—	SHS BEN INT	46438F101
DE	DEERE & CO	32,791 (-2.5%)	$15,320 (-0.7%)	1.6%	$80.32	+482.3%	COM	244199105
ABBV	ABBVIE INC	3,179 (-10.0%)	$726 (-11.2%)	0.1%	$125.36	+81.5%	COM	00287Y109
VNQI	VANGUARD INTL EQUITY INDEX F	5,280 (-24.0%)	$242 (-27.0%)	0.0%	$53.70	—	GLB EX US ETF	922042676
IUSG	ISHARES TR	192,634 (-2.3%)	$32,351 (-0.2%)	3.4%	$104.20	—	CORE S&P US GWT	464287671
PNC	PNC FINL SVCS GROUP INC	44,546 (-3.1%)	$9,298 (+0.6%)	1.0%	$97.25	+98.2%	COM	693475105
BDX	BECTON DICKINSON & CO	41,450 (-4.2%)	$8,044 (-0.7%)	0.8%	$97.08	+95.2%	COM	075887109
GLD	SPDR GOLD TR	2,511 (-5.8%)	$995 (+5.0%)	0.1%	$179.65	—	GOLD SHS	78463V107
PEP	PEPSICO INC	57,369 (-2.6%)	$8,315 (+0.6%)	0.9%	$67.47	+116.3%	COM	713448108
EFAV	ISHARES TR	85,432 (-2.1%)	$7,369 (-0.5%)	0.8%	$72.17	—	MSCI EAFE MIN VL	46429B689
SCHD	SCHWAB STRATEGIC TR	159,122 (-1.2%)	$4,365 (-0.7%)	0.5%	$43.18	—	US DIVIDEND EQ	808524797
MTB	M & T BK CORP	39,223 (-2.2%)	$7,903 (-0.3%)	0.8%	$82.14	+131.4%	COM	55261F104
TSM	TAIWAN SEMICONDUCTOR MFG LTD	1,122 (-1.1%)	$342 (+7.6%)	0.0%	$280.11	—	SPONSORED ADS	874039100
VXF	VANGUARD INDEX FDS	2,020 (-4.8%)	$422 (-4.9%)	0.0%	$134.96	—	EXTEND MKT ETF	922908652
EMB	ISHARES TR	5,819 (-3.9%)	$560 (-2.8%)	0.1%	$88.19	—	JPMORGAN USD EMG	464288281
SCZ	ISHARES TR	8,407 (-3.3%)	$652 (-2.3%)	0.1%	$59.64	—	EAFE SML CP ETF	464288273
ALK	ALASKA AIR GROUP INC	7,238 (-3.2%)	$364 (-2.2%)	0.0%	$54.53	-15.2%	COM	011659109
EMR	EMERSON ELEC CO	3,450 (-2.8%)	$458 (-1.7%)	0.0%	$40.81	+224.4%	COM	291011104
IEMG	ISHARES INC	3,456 (-3.6%)	$232 (-1.7%)	0.0%	$60.24	—	CORE MSCI EMKT	46434G103
VBR	VANGUARD INDEX FDS	1,763 (-1.9%)	$373 (-0.9%)	0.0%	$118.94	—	SM CP VAL ETF	922908611
AVGO	BROADCOM INC	1,094 (-5.4%)	$379 (-0.8%)	0.0%	$221.59	+61.1%	COM	11135F101
VTI	VANGUARD INDEX FDS	19,724 (-1.8%)	$6,613 (+0.0%)	0.7%	$228.07	—	TOTAL STK MKT	922908769

Unchanged Positions (39)

VUG VANGUARD INDEX FDS 3.0%

Value ($000) $29,044 Shares 59,533 Est. Cost $317.84 Unrealized —

SLV ISHARES SILVER TR 0.1%

Value ($000) $791 Shares 12,286 Est. Cost $25.05 Unrealized —

GOOGL ALPHABET INC 0.1%

Value ($000) $1,088 Shares 3,476 Est. Cost $109.41 Unrealized +161.0%

VEA VANGUARD TAX-MANAGED FDS 0.6%

Value ($000) $5,874 Shares 94,024 Est. Cost $48.24 Unrealized —

SCHA SCHWAB STRATEGIC TR 0.5%

Value ($000) $5,198 Shares 182,517 Est. Cost $35.13 Unrealized —

VTV VANGUARD INDEX FDS 0.6%

Value ($000) $6,234 Shares 32,640 Est. Cost $130.77 Unrealized —

AVO MISSION PRODUCE INC 0.3%

Value ($000) $2,456 Shares 211,750 Est. Cost $20.18 Unrealized -40.6%

CMI CUMMINS INC 0.0%

Value ($000) $476 Shares 933 Est. Cost $224.73 Unrealized +107.5%

WFC WELLS FARGO CO NEW 0.1%

Value ($000) $779 Shares 8,359 Est. Cost $48.47 Unrealized +78.7%

SGOL ETFS GOLD TR 0.1%

Value ($000) $681 Shares 16,586 Est. Cost $20.34 Unrealized —

COR CENCORA INC 0.1%

Value ($000) $828 Shares 2,451 Est. Cost $64.46 Unrealized +428.5%

VNQ VANGUARD INDEX FDS 0.2%

Value ($000) $2,196 Shares 24,817 Est. Cost $100.95 Unrealized —

RY ROYAL BK CDA 0.0%

Value ($000) $313 Shares 1,835 Est. Cost $89.95 Unrealized +70.7%

VIG VANGUARD SPECIALIZED FUNDS 0.2%

Value ($000) $1,869 Shares 8,506 Est. Cost $124.13 Unrealized —

SCHX SCHWAB STRATEGIC TR 0.2%

Value ($000) $1,938 Shares 72,018 Est. Cost $30.31 Unrealized —

NOBL PROSHARES TR 0.3%

Value ($000) $3,354 Shares 32,226 Est. Cost $94.64 Unrealized —

META META PLATFORMS INC 0.0%

Value ($000) $301 Shares 456 Est. Cost $498.19 Unrealized +33.9%

LOW LOWES COS INC 0.1%

Value ($000) $730 Shares 3,028 Est. Cost $62.27 Unrealized +285.1%

NSC NORFOLK SOUTHN CORP 0.1%

Value ($000) $580 Shares 2,008 Est. Cost $219.66 Unrealized +31.4%

PEG PUBLIC SVC ENTERPRISE GRP IN 0.1%

Value ($000) $543 Shares 6,768 Est. Cost $68.48 Unrealized +18.4%

PXF INVESCO EXCH TRADED FD TR II 0.0%

Value ($000) $242 Shares 3,695 Est. Cost $57.42 Unrealized —

SPDW SPDR INDEX SHS FDS 0.0%

Value ($000) $408 Shares 9,178 Est. Cost $36.41 Unrealized —

SCHF SCHWAB STRATEGIC TR 0.0%

Value ($000) $411 Shares 17,094 Est. Cost $23.28 Unrealized —

DFAC DIMENSIONAL ETF TRUST 0.0%

Value ($000) $454 Shares 11,475 Est. Cost $26.99 Unrealized —

VYM VANGUARD WHITEHALL FDS 0.1%

Value ($000) $619 Shares 4,310 Est. Cost $112.98 Unrealized —

KO COCA COLA CO 0.0%

Value ($000) $222 Shares 3,177 Est. Cost $65.05 Unrealized +6.7%

VBK VANGUARD INDEX FDS 0.0%

Value ($000) $398 Shares 1,318 Est. Cost $124.46 Unrealized —

IHI ISHARES TR 0.0%

Value ($000) $360 Shares 5,793 Est. Cost $61.13 Unrealized —

V VISA INC 0.0%

Value ($000) $371 Shares 1,058 Est. Cost $218.40 Unrealized +55.9%

AIQ GLOBAL X FDS 0.0%

Value ($000) $267 Shares 5,248 Est. Cost $49.39 Unrealized —

AEP AMERICAN ELEC PWR CO INC 0.0%

Value ($000) $277 Shares 2,406 Est. Cost $76.54 Unrealized +53.8%

SPYG SPDR SERIES TRUST 0.0%

Value ($000) $294 Shares 2,757 Est. Cost $80.16 Unrealized —

IJH ISHARES TR 0.1%

Value ($000) $509 Shares 7,708 Est. Cost $109.08 Unrealized —

VTEB VANGUARD MUN BD FDS 0.1%

Value ($000) $1,154 Shares 22,944 Est. Cost $50.22 Unrealized —

VB VANGUARD INDEX FDS 0.0%

Value ($000) $378 Shares 1,465 Est. Cost $255.09 Unrealized —

SCHZ SCHWAB STRATEGIC TR 0.1%

Value ($000) $909 Shares 38,894 Est. Cost $28.11 Unrealized —

IWF ISHARES TR 0.0%

Value ($000) $231 Shares 488 Est. Cost $424.23 Unrealized —

BRK/A BERKSHIRE HATHAWAY INC DEL 0.2%

Value ($000) $1,510 Shares 2 Est. Cost $729330.75 Unrealized +2.3%

VUSB VANGUARD BD INDEX FDS 0.0%

Value ($000) $312 Shares 6,266 Est. Cost $49.55 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VUG	VANGUARD INDEX FDS	59,533	$29,044	3.0%	$317.84	—	GROWTH ETF	922908736
SLV	ISHARES SILVER TR	12,286	$791	0.1%	$25.05	—	ISHARES	46428Q109
GOOGL	ALPHABET INC	3,476	$1,088	0.1%	$109.41	+161.0%	CAP STK CL A	02079K305
VEA	VANGUARD TAX-MANAGED FDS	94,024	$5,874	0.6%	$48.24	—	VAN FTSE DEV MKT	921943858
SCHA	SCHWAB STRATEGIC TR	182,517	$5,198	0.5%	$35.13	—	US SML CAP ETF	808524607
VTV	VANGUARD INDEX FDS	32,640	$6,234	0.6%	$130.77	—	VALUE ETF	922908744
AVO	MISSION PRODUCE INC	211,750	$2,456	0.3%	$20.18	-40.6%	COM	60510V108
CMI	CUMMINS INC	933	$476	0.0%	$224.73	+107.5%	COM	231021106
WFC	WELLS FARGO CO NEW	8,359	$779	0.1%	$48.47	+78.7%	COM	949746101
SGOL	ETFS GOLD TR	16,586	$681	0.1%	$20.34	—	PHYSCL GOLD SHS	00326A104
COR	CENCORA INC	2,451	$828	0.1%	$64.46	+428.5%	COM	03073E105
VNQ	VANGUARD INDEX FDS	24,817	$2,196	0.2%	$100.95	—	REAL ESTATE ETF	922908553
RY	ROYAL BK CDA	1,835	$313	0.0%	$89.95	+70.7%	COM	780087102
VIG	VANGUARD SPECIALIZED FUNDS	8,506	$1,869	0.2%	$124.13	—	DIV APP ETF	921908844
SCHX	SCHWAB STRATEGIC TR	72,018	$1,938	0.2%	$30.31	—	US LRG CAP ETF	808524201
NOBL	PROSHARES TR	32,226	$3,354	0.3%	$94.64	—	S&P 500 DV ARIST	74348A467
META	META PLATFORMS INC	456	$301	0.0%	$498.19	+33.9%	CL A	30303M102
LOW	LOWES COS INC	3,028	$730	0.1%	$62.27	+285.1%	COM	548661107
NSC	NORFOLK SOUTHN CORP	2,008	$580	0.1%	$219.66	+31.4%	COM	655844108
PEG	PUBLIC SVC ENTERPRISE GRP IN	6,768	$543	0.1%	$68.48	+18.4%	COM	744573106
PXF	INVESCO EXCH TRADED FD TR II	3,695	$242	0.0%	$57.42	—	RAFI DVLPD MRKTS	46138E743
SPDW	SPDR INDEX SHS FDS	9,178	$408	0.0%	$36.41	—	PORTFOLIO DEVLPD	78463X889
SCHF	SCHWAB STRATEGIC TR	17,094	$411	0.0%	$23.28	—	INTL EQTY ETF	808524805
DFAC	DIMENSIONAL ETF TRUST	11,475	$454	0.0%	$26.99	—	US CORE EQUITY 2	25434V708
VYM	VANGUARD WHITEHALL FDS	4,310	$619	0.1%	$112.98	—	HIGH DIV YLD	921946406
KO	COCA COLA CO	3,177	$222	0.0%	$65.05	+6.7%	COM	191216100
VBK	VANGUARD INDEX FDS	1,318	$398	0.0%	$124.46	—	SML CP GRW ETF	922908595
IHI	ISHARES TR	5,793	$360	0.0%	$61.13	—	U.S. MED DVC ETF	464288810
V	VISA INC	1,058	$371	0.0%	$218.40	+55.9%	COM CL A	92826C839
AIQ	GLOBAL X FDS	5,248	$267	0.0%	$49.39	—	ARTIFICIAL ETF	37954Y632
AEP	AMERICAN ELEC PWR CO INC	2,406	$277	0.0%	$76.54	+53.8%	COM	025537101
SPYG	SPDR SERIES TRUST	2,757	$294	0.0%	$80.16	—	STATE STREET SPD	78464A409
IJH	ISHARES TR	7,708	$509	0.1%	$109.08	—	CORE S&P MCP ETF	464287507
VTEB	VANGUARD MUN BD FDS	22,944	$1,154	0.1%	$50.22	—	TAX EXEMPT BD	922907746
VB	VANGUARD INDEX FDS	1,465	$378	0.0%	$255.09	—	SMALL CP ETF	922908751
SCHZ	SCHWAB STRATEGIC TR	38,894	$909	0.1%	$28.11	—	US AGGREGATE B	808524839
IWF	ISHARES TR	488	$231	0.0%	$424.23	—	RUS 1000 GRW ETF	464287614
BRK/A	BERKSHIRE HATHAWAY INC DEL	2	$1,510	0.2%	$729330.75	+2.3%	CL A	084670108
VUSB	VANGUARD BD INDEX FDS	6,266	$312	0.0%	$49.55	—	VANGUARD ULTRA	92203C303