Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SNDK	SANDISK CORP	195	$443K	0.1%	$2273.73	—	COM	80004C200
XOM	EXXON MOBIL CORP	2,958	$404K	0.1%	$136.72	—	COM	30231G102
WDC	WESTERN DIGITAL CORP	586	$374K	0.1%	$638.72	—	COM	958102105
DELL	DELL TECHNOLOGIES INC	674	$291K	0.0%	$431.46	—	CL C	24703L202
INTC	INTEL CORP	1,904	$266K	0.0%	$139.63	—	COM	458140100
PFE	PFIZER INC	10,599	$255K	0.0%	$24.08	—	COM	717081103
CSX	CSX CORP	4,600	$219K	0.0%	$47.53	—	COM	126408103
AMD	ADVANCED MICRO DEVICES INC	373	$217K	0.0%	$580.91	—	COM	007903107
FLEX	FLEX LTD	1,310	$212K	0.0%	$162.07	—	ORD	Y2573F102
LRCX	LAM RESEARCH CORP	480	$208K	0.0%	$433.33	—	COM NEW	512807306
ROK	ROCKWELL AUTOMATION INC	413	$204K	0.0%	$495.08	—	COM	773903109
AMAT	APPLIED MATLS INC	282	$204K	0.0%	$723.00	—	COM	038222105

Increased Positions (27)

IVV ISHARES TR 11.8%

Value $84.95M (+24.4%) Shares 113,426 (+8.9%) Est. Cost $440.38 Unrealized —

SCHX SCHWAB STRATEGIC TR 9.1%

Value $65.41M (+17.2%) Shares 2,222,715 (+2.1%) Est. Cost $34.81 Unrealized —

IEMG ISHARES TR 4.0%

Value $28.63M (+24.0%) Shares 345,719 (+4.5%) Est. Cost $54.40 Unrealized —

IEFA ISHARES TR 4.5%

Value $32.03M (+20.2%) Shares 331,636 (+12.7%) Est. Cost $68.79 Unrealized —

LQD ISHARES TR 5.0%

Value $35.7M (+12.5%) Shares 327,308 (+12.4%) Est. Cost $112.58 Unrealized —

AGG ISHARES TR 6.1%

Value $43.88M (+8.3%) Shares 443,414 (+8.6%) Est. Cost $103.92 Unrealized —

IJR ISHARES TR 2.2%

Value $15.66M (+24.2%) Shares 105,624 (+4.1%) Est. Cost $97.99 Unrealized —

IJH ISHARES TR 2.6%

Value $18.39M (+18.2%) Shares 238,477 (+3.6%) Est. Cost $82.53 Unrealized —

ITOT ISHARES TR 1.7%

Value $11.85M (+26.4%) Shares 72,112 (+9.6%) Est. Cost $99.63 Unrealized —

SPYM SPDR SERIES TRUST 2.1%

Value $15.27M (+18.5%) Shares 173,788 (+3.2%) Est. Cost $36.59 Unrealized —

EMB ISHARES TR 3.2%

Value $23.05M (+10.6%) Shares 239,041 (+7.8%) Est. Cost $99.16 Unrealized —

SCHB SCHWAB STRATEGIC TR 1.7%

Value $12M (+18.2%) Shares 414,502 (+2.4%) Est. Cost $37.45 Unrealized —

SPY SPDR TR S&P 500 ETF TR 1.5%

Value $10.89M (+18.1%) Shares 14,586 (+2.9%) Est. Cost $260.65 Unrealized —

HYG ISHARES TR 5.4%

Value $38.47M (+4.5%) Shares 481,066 (+4.0%) Est. Cost $80.95 Unrealized —

DGRO ISHARES TR 1.0%

Value $7.403M (+18.5%) Shares 97,675 (+9.8%) Est. Cost $54.46 Unrealized —

SPDW SPDR INDEX SHS FDS 0.8%

Value $5.93M (+14.5%) Shares 117,680 (+3.7%) Est. Cost $28.40 Unrealized —

MUB ISHARES TR 2.2%

Value $15.6M (+5.0%) Shares 144,937 (+3.6%) Est. Cost $109.10 Unrealized —

VUG VANGUARD INDEX FDS 0.1%

Value $374K (-62.8%) Shares 4,347 (+88.8%) Est. Cost $185.90 Unrealized —

SPIB SPDR SERIES TRUST 1.1%

Value $8.034M (+8.2%) Shares 240,113 (+8.5%) Est. Cost $33.78 Unrealized —

IWF ISHARES TR 0.5%

Value $3.577M (+16.5%) Shares 28,805 (+300.0%) Est. Cost $139.64 Unrealized —

SPTM SPDR SERIES TRUST 0.3%

Value $1.883M (+20.7%) Shares 20,742 (+5.1%) Est. Cost $42.38 Unrealized —

VOO VANGUARD INDEX FDS 0.2%

Value $1.289M (+16.9%) Shares 1,876 (+1.7%) Est. Cost $501.06 Unrealized —

SHY ISHARES TR 0.3%

Value $1.806M (+5.4%) Shares 21,993 (+6.0%) Est. Cost $82.68 Unrealized —

VTI VANGUARD INDEX FDS 0.1%

Value $626K (+16.6%) Shares 1,691 (+1.1%) Est. Cost $224.30 Unrealized —

VEU VANGUARD INTL EQUITY INDEX F 0.0%

Value $258K (+20.1%) Shares 3,082 (+7.7%) Est. Cost $75.73 Unrealized —

WMT WALMART INC 0.1%

Value $499K (-7.8%) Shares 4,403 (+1.1%) Est. Cost $60.02 Unrealized —

SPSB SPDR SER TR 0.0%

Value $243K (+0.9%) Shares 8,361 (+1.5%) Est. Cost $29.43 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES TR	113,426 (+8.9%)	$84.95M (+24.4%)	11.8%	$440.38	—	CORE S&P500 ETF	464287200
SCHX	SCHWAB STRATEGIC TR	2,222,715 (+2.1%)	$65.41M (+17.2%)	9.1%	$34.81	—	US LRG CAP ETF	808524201
IEMG	ISHARES TR	345,719 (+4.5%)	$28.63M (+24.0%)	4.0%	$54.40	—	CORE MSCI EMKT	46434G103
IEFA	ISHARES TR	331,636 (+12.7%)	$32.03M (+20.2%)	4.5%	$68.79	—	CORE MSCI EAFE	46432F842
LQD	ISHARES TR	327,308 (+12.4%)	$35.7M (+12.5%)	5.0%	$112.58	—	IBOXX INV CP ETF	464287242
AGG	ISHARES TR	443,414 (+8.6%)	$43.88M (+8.3%)	6.1%	$103.92	—	CORE US AGGBD ET	464287226
IJR	ISHARES TR	105,624 (+4.1%)	$15.66M (+24.2%)	2.2%	$97.99	—	CORE S&P SCP ETF	464287804
IJH	ISHARES TR	238,477 (+3.6%)	$18.39M (+18.2%)	2.6%	$82.53	—	CORE S&P MCP ETF	464287507
ITOT	ISHARES TR	72,112 (+9.6%)	$11.85M (+26.4%)	1.7%	$99.63	—	CORE S&P TTL STK	464287150
SPYM	SPDR SERIES TRUST	173,788 (+3.2%)	$15.27M (+18.5%)	2.1%	$36.59	—	STATE STREET SPD	78464A854
EMB	ISHARES TR	239,041 (+7.8%)	$23.05M (+10.6%)	3.2%	$99.16	—	JPMORGAN USD EMG	464288281
SCHB	SCHWAB STRATEGIC TR	414,502 (+2.4%)	$12M (+18.2%)	1.7%	$37.45	—	US BRD MKT ETF	808524102
SPY	SPDR TR S&P 500 ETF TR	14,586 (+2.9%)	$10.89M (+18.1%)	1.5%	$260.65	—	TR UNIT	78462F103
HYG	ISHARES TR	481,066 (+4.0%)	$38.47M (+4.5%)	5.4%	$80.95	—	IBOXX HI YD ETF	464288513
DGRO	ISHARES TR	97,675 (+9.8%)	$7.403M (+18.5%)	1.0%	$54.46	—	CORE DIV GRWTH	46434V621
SPDW	SPDR INDEX SHS FDS	117,680 (+3.7%)	$5.93M (+14.5%)	0.8%	$28.40	—	PORTFOLIO DEVLPD	78463X889
MUB	ISHARES TR	144,937 (+3.6%)	$15.6M (+5.0%)	2.2%	$109.10	—	NATIONAL MUN ETF	464288414
VUG	VANGUARD INDEX FDS	4,347 (+88.8%)	$374K (-62.8%)	0.1%	$185.90	—	GROWTH ETF	922908736
SPIB	SPDR SERIES TRUST	240,113 (+8.5%)	$8.034M (+8.2%)	1.1%	$33.78	—	PORTFOLIO INTRMD	78464A375
IWF	ISHARES TR	28,805 (+300.0%)	$3.577M (+16.5%)	0.5%	$139.64	—	RUS 1000 GRW ETF	464287614
SPTM	SPDR SERIES TRUST	20,742 (+5.1%)	$1.883M (+20.7%)	0.3%	$42.38	—	PORTFOLIO TL STK	78464A805
VOO	VANGUARD INDEX FDS	1,876 (+1.7%)	$1.289M (+16.9%)	0.2%	$501.06	—	S&P 500 ETF SHS	922908363
SHY	ISHARES TR	21,993 (+6.0%)	$1.806M (+5.4%)	0.3%	$82.68	—	1 3 YR TREAS BD	464287457
VTI	VANGUARD INDEX FDS	1,691 (+1.1%)	$626K (+16.6%)	0.1%	$224.30	—	TOTAL STK MKT	922908769
VEU	VANGUARD INTL EQUITY INDEX F	3,082 (+7.7%)	$258K (+20.1%)	0.0%	$75.73	—	ALLWRLD EX US	922042775
WMT	WALMART INC	4,403 (+1.1%)	$499K (-7.8%)	0.1%	$60.02	—	COM	931142103
SPSB	SPDR SER TR	8,361 (+1.5%)	$243K (+0.9%)	0.0%	$29.43	—	PORTFOLIO SHORT	78464A474

Exited Positions (5)

VTV VANGUARD INDEX FDS 0.1%

Value $629K Shares 3,207 Est. Cost $140.06 Unrealized —

BK BANK NEW YORK MELLON CORP 0.0%

Value $305K Shares 2,575 Est. Cost $83.84 Unrealized —

HSY HERSHEY CO 0.0%

Value $229K Shares 1,100 Est. Cost $179.65 Unrealized —

FDX FEDEX CORP 0.0%

Value $218K Shares 611 Est. Cost $338.93 Unrealized —

LVS LAS VEGAS SANDS CORP 0.0%

Value $207K Shares 3,850 Est. Cost $52.28 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VTV	VANGUARD INDEX FDS	3,207	$629K	0.1%	$140.06	—	—	922908744
BK	BANK NEW YORK MELLON CORP	2,575	$305K	0.0%	$83.84	—	—	064058100
HSY	HERSHEY CO	1,100	$229K	0.0%	$179.65	—	—	427866108
FDX	FEDEX CORP	611	$218K	0.0%	$338.93	—	—	31428X106
LVS	LAS VEGAS SANDS CORP	3,850	$207K	0.0%	$52.28	—	—	517834107

Decreased Positions (27)

SCHM SCHWAB STRATEGIC TR 1.9%

Value $13.44M (+15.4%) Shares 364,410 (-3.1%) Est. Cost $36.79 Unrealized —

SCHA SCHWAB STRATEGIC TR 1.5%

Value $10.65M (+17.8%) Shares 294,689 (-5.2%) Est. Cost $41.19 Unrealized —

SCHZ SCHWAB STRATEGIC TR 3.1%

Value $22.13M (-6.1%) Shares 956,732 (-5.7%) Est. Cost $36.78 Unrealized —

FLRN SPDR SER TR 2.3%

Value $16.71M (-7.2%) Shares 541,503 (-7.4%) Est. Cost $30.57 Unrealized —

SCHE SCHWAB STRATEGIC TR 2.4%

Value $17.28M (+6.9%) Shares 476,643 (-2.8%) Est. Cost $26.67 Unrealized —

AAPL APPLE INC 1.4%

Value $9.759M (+12.7%) Shares 33,727 (-1.2%) Est. Cost $106.70 Unrealized —

SCHD SCHWAB STRATEGIC TR 0.8%

Value $5.695M (-11.8%) Shares 179,585 (-14.7%) Est. Cost $41.35 Unrealized —

TFI SPDR SER TR 0.4%

Value $2.562M (-18.3%) Shares 55,947 (-19.1%) Est. Cost $48.49 Unrealized —

CORP PIMCO ETF TR 0.2%

Value $1.619M (-25.2%) Shares 16,707 (-25.3%) Est. Cost $103.01 Unrealized —

FLOT ISHARES TR 3.8%

Value $26.93M (-1.6%) Shares 527,506 (-1.8%) Est. Cost $50.72 Unrealized —

SPSM SPDR SER TR 0.3%

Value $2.462M (+17.3%) Shares 42,686 (-1.7%) Est. Cost $32.71 Unrealized —

CSCO CISCO SYS INC 0.2%

Value $1.15M (+42.6%) Shares 9,791 (-5.8%) Est. Cost $47.56 Unrealized —

SPMD SPDR SERIES TRUST 0.4%

Value $2.939M (+12.9%) Shares 43,507 (-1.0%) Est. Cost $35.76 Unrealized —

PCY INVESCO EXCHNG TRADED FD TR 0.6%

Value $4.587M (-5.5%) Shares 211,860 (-8.8%) Est. Cost $24.97 Unrealized —

CVX CHEVRON CORP NEW 0.1%

Value $431K (-22.1%) Shares 2,599 (-2.8%) Est. Cost $83.85 Unrealized —

NEE NEXTERA ENERGY INC 0.1%

Value $374K (-19.9%) Shares 4,257 (-15.2%) Est. Cost $65.33 Unrealized —

— GE AEROSPACE 0.1%

Value $376K (+29.8%) Shares 1,006 (-1.5%) Est. Cost $298.06 Unrealized —

LLY ELI LILLY & CO 0.1%

Value $377K (+28.4%) Shares 314 (-1.6%) Est. Cost $766.13 Unrealized —

SBUX STARBUCKS CORP 0.1%

Value $675K (+11.5%) Shares 6,601 (-2.2%) Est. Cost $93.62 Unrealized —

JPM JPMORGAN CHASE & CO 0.2%

Value $1.182M (-4.9%) Shares 3,612 (-14.6%) Est. Cost $92.62 Unrealized —

IWD ISHARES TR 0.1%

Value $530K (+10.9%) Shares 2,185 (-2.2%) Est. Cost $129.50 Unrealized —

TSLA TESLA INC 0.0%

Value $240K (-14.8%) Shares 571 (-24.7%) Est. Cost $346.84 Unrealized —

COKE COCA COLA CONSOLIDATED INC 0.1%

Value $743K (+5.7%) Shares 9,140 (-1.1%) Est. Cost $36.95 Unrealized —

QQQ INVESCO QQQ TR 0.3%

Value $1.906M (-1.4%) Shares 2,588 (-22.7%) Est. Cost $489.57 Unrealized —

SPYD SPDR SER TR 0.2%

Value $1.78M (+1.2%) Shares 37,307 (-3.5%) Est. Cost $38.72 Unrealized —

RTX RTX CORPORATION 0.0%

Value $212K (-5.8%) Shares 1,120 (-4.3%) Est. Cost $196.61 Unrealized —

DIS DISNEY WALT CO 0.0%

Value $216K (-1.7%) Shares 2,248 (-1.5%) Est. Cost $143.12 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHM	SCHWAB STRATEGIC TR	364,410 (-3.1%)	$13.44M (+15.4%)	1.9%	$36.79	—	US MID-CAP ETF	808524508
SCHA	SCHWAB STRATEGIC TR	294,689 (-5.2%)	$10.65M (+17.8%)	1.5%	$41.19	—	US SML CAP ETF	808524607
SCHZ	SCHWAB STRATEGIC TR	956,732 (-5.7%)	$22.13M (-6.1%)	3.1%	$36.78	—	US AGGREGATE B	808524839
FLRN	SPDR SER TR	541,503 (-7.4%)	$16.71M (-7.2%)	2.3%	$30.57	—	BLOMBERG BRC INV	78468R200
SCHE	SCHWAB STRATEGIC TR	476,643 (-2.8%)	$17.28M (+6.9%)	2.4%	$26.67	—	EMRG MKTEQ ETF	808524706
AAPL	APPLE INC	33,727 (-1.2%)	$9.759M (+12.7%)	1.4%	$106.70	—	COM	037833100
SCHD	SCHWAB STRATEGIC TR	179,585 (-14.7%)	$5.695M (-11.8%)	0.8%	$41.35	—	US DIVIDEND EQ	808524797
TFI	SPDR SER TR	55,947 (-19.1%)	$2.562M (-18.3%)	0.4%	$48.49	—	NUVEEN BRC MUNIC	78468R721
CORP	PIMCO ETF TR	16,707 (-25.3%)	$1.619M (-25.2%)	0.2%	$103.01	—	INV GRD CRP BD	72201R817
FLOT	ISHARES TR	527,506 (-1.8%)	$26.93M (-1.6%)	3.8%	$50.72	—	FLTG RATE NT ETF	46429B655
SPSM	SPDR SER TR	42,686 (-1.7%)	$2.462M (+17.3%)	0.3%	$32.71	—	PORTFOLIO SM ETF	78468R853
CSCO	CISCO SYS INC	9,791 (-5.8%)	$1.15M (+42.6%)	0.2%	$47.56	—	COM	17275R102
SPMD	SPDR SERIES TRUST	43,507 (-1.0%)	$2.939M (+12.9%)	0.4%	$35.76	—	PORTFOLIO MD ETF	78464A847
PCY	INVESCO EXCHNG TRADED FD TR	211,860 (-8.8%)	$4.587M (-5.5%)	0.6%	$24.97	—	EMRNG MKT SVRG	46138E784
CVX	CHEVRON CORP NEW	2,599 (-2.8%)	$431K (-22.1%)	0.1%	$83.85	—	COM	166764100
NEE	NEXTERA ENERGY INC	4,257 (-15.2%)	$374K (-19.9%)	0.1%	$65.33	—	COM	65339F101
—	GE AEROSPACE	1,006 (-1.5%)	$376K (+29.8%)	0.1%	$298.06	—	COM NEW	369604951
LLY	ELI LILLY & CO	314 (-1.6%)	$377K (+28.4%)	0.1%	$766.13	—	COM	532457108
SBUX	STARBUCKS CORP	6,601 (-2.2%)	$675K (+11.5%)	0.1%	$93.62	—	COM	855244109
JPM	JPMORGAN CHASE & CO	3,612 (-14.6%)	$1.182M (-4.9%)	0.2%	$92.62	—	COM	46625H100
IWD	ISHARES TR	2,185 (-2.2%)	$530K (+10.9%)	0.1%	$129.50	—	RUS 1000 VAL ETF	464287598
TSLA	TESLA INC	571 (-24.7%)	$240K (-14.8%)	0.0%	$346.84	—	COM	88160R101
COKE	COCA COLA CONSOLIDATED INC	9,140 (-1.1%)	$743K (+5.7%)	0.1%	$36.95	—	COM	191098102
QQQ	INVESCO QQQ TR	2,588 (-22.7%)	$1.906M (-1.4%)	0.3%	$489.57	—	UNIT SER 1	46090E103
SPYD	SPDR SER TR	37,307 (-3.5%)	$1.78M (+1.2%)	0.2%	$38.72	—	PRTFLO S&P500 HI	78468R788
RTX	RTX CORPORATION	1,120 (-4.3%)	$212K (-5.8%)	0.0%	$196.61	—	COM	75513E101
DIS	DISNEY WALT CO	2,248 (-1.5%)	$216K (-1.7%)	0.0%	$143.12	—	COM	254687106

Unchanged Positions (44)

SCHF SCHWAB STRATEGIC TR 3.1%

Value $21.89M Shares 790,195 Est. Cost $25.73 Unrealized —

SPEM SPDR INDEX SHS FDS 0.8%

Value $6.058M Shares 116,999 Est. Cost $33.92 Unrealized —

SCHG SCHWAB STRATEGIC TR 0.5%

Value $3.455M Shares 102,084 Est. Cost $40.65 Unrealized —

CL COLGATE PALMOLIVE CO 0.8%

Value $5.858M Shares 63,891 Est. Cost $83.80 Unrealized —

GOOG ALPHABET INC 0.3%

Value $2.081M Shares 5,890 Est. Cost $152.49 Unrealized —

GOOGL ALPHABET INC 0.2%

Value $1.547M Shares 4,329 Est. Cost $164.93 Unrealized —

T AT&T INC 0.1%

Value $599K Shares 28,926 Est. Cost $16.33 Unrealized —

NVDA NVIDIA CORPORATION 0.2%

Value $1.74M Shares 8,696 Est. Cost $114.32 Unrealized —

AMZN AMAZON COM INC 0.2%

Value $1.166M Shares 4,893 Est. Cost $151.34 Unrealized —

RSP INVESCO EXCHANGE TRADED FD T 0.2%

Value $1.487M Shares 6,989 Est. Cost $149.77 Unrealized —

V VISA INC 0.1%

Value $960K Shares 2,797 Est. Cost $206.11 Unrealized —

UNH UNITEDHEALTH GROUP INC 0.0%

Value $320K Shares 770 Est. Cost $371.46 Unrealized —

BAC BANK AMER CORP 0.1%

Value $734K Shares 12,875 Est. Cost $27.51 Unrealized —

SCHV SCHWAB STRATEGIC TR 0.1%

Value $843K Shares 24,210 Est. Cost $35.06 Unrealized —

AVGO BROADCOM INC 0.1%

Value $565K Shares 1,496 Est. Cost $307.89 Unrealized —

TSM TAIWAN SEMICONDUCTOR MANUFAC 0.0%

Value $310K Shares 650 Est. Cost $337.95 Unrealized —

NFLX NETFLIX INC 0.0%

Value $249K Shares 3,490 Est. Cost $105.70 Unrealized —

IBM INTERNATIONAL BUSINESS MACHS 0.1%

Value $615K Shares 2,187 Est. Cost $138.60 Unrealized —

GEV GE VERNOVA INC 0.0%

Value $323K Shares 275 Est. Cost $736.93 Unrealized —

C CITIGROUP INC 0.1%

Value $411K Shares 2,939 Est. Cost $77.36 Unrealized —

MRK MERCK & CO INC 0.2%

Value $1.185M Shares 9,225 Est. Cost $57.03 Unrealized —

JNJ JOHNSON & JOHNSON 0.3%

Value $1.868M Shares 7,357 Est. Cost $120.23 Unrealized —

TT TRANE TECHNOLOGIES PLC 0.1%

Value $428K Shares 871 Est. Cost $413.59 Unrealized —

DFUS DIMENSIONAL ETF TRUST 0.1%

Value $469K Shares 5,721 Est. Cost $47.15 Unrealized —

HD HOME DEPOT INC 0.1%

Value $876K Shares 2,484 Est. Cost $310.19 Unrealized —

VIG VANGUARD SPECIALIZED FUNDS 0.1%

Value $649K Shares 2,741 Est. Cost $159.17 Unrealized —

SPAB SPDR SERIES TRUST 1.4%

Value $9.975M Shares 390,850 Est. Cost $27.49 Unrealized —

VZ VERIZON COMMUNICATIONS INC 0.0%

Value $253K Shares 5,978 Est. Cost $38.83 Unrealized —

VT VANGUARD INTL EQUITY INDEX F 0.1%

Value $371K Shares 2,365 Est. Cost $97.00 Unrealized —

IWP ISHARES TR 0.0%

Value $346K Shares 2,360 Est. Cost $103.70 Unrealized —

PNC PNC FINL SVCS GROUP INC 0.0%

Value $241K Shares 978 Est. Cost $192.78 Unrealized —

— ISHARES TR 0.0%

Value $242K Shares 590 Est. Cost $177.76 Unrealized —

MMM 3M CO 0.0%

Value $245K Shares 1,513 Est. Cost $163.96 Unrealized —

PM PHILIP MORRIS INTL INC 0.0%

Value $282K Shares 3,924 Est. Cost $109.82 Unrealized —

COST COSTCO WHSL CORP NEW 0.1%

Value $360K Shares 385 Est. Cost $731.14 Unrealized —

META META PLATFORMS INC 0.2%

Value $1.119M Shares 1,987 Est. Cost $345.15 Unrealized —

LIN LINDE PLC 0.1%

Value $463K Shares 893 Est. Cost $470.63 Unrealized —

MSFT MICROSOFT CORP 0.4%

Value $2.618M Shares 7,017 Est. Cost $201.87 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.0%

Value $355K Shares 709 Est. Cost $484.49 Unrealized —

SHYG ISHARES TR 1.0%

Value $7.435M Shares 175,323 Est. Cost $47.14 Unrealized —

FBND FIDELITY MERRIMACK STR TR 0.1%

Value $575K Shares 12,636 Est. Cost $46.10 Unrealized —

ORCL ORACLE CORP 0.1%

Value $388K Shares 2,648 Est. Cost $104.31 Unrealized —

SCHO SCHWAB STRATEGIC TR 0.2%

Value $1.221M Shares 50,588 Est. Cost $35.13 Unrealized —

PEG PUBLIC SVC ENTERPRISE GRP IN 0.0%

Value $296K Shares 3,652 Est. Cost $44.10 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHF	SCHWAB STRATEGIC TR	790,195	$21.89M	3.1%	$25.73	—	INTL EQTY ETF	808524805
SPEM	SPDR INDEX SHS FDS	116,999	$6.058M	0.8%	$33.92	—	PORTFOLIO EMG MK	78463X509
SCHG	SCHWAB STRATEGIC TR	102,084	$3.455M	0.5%	$40.65	—	US LCAP GR ETF	808524300
CL	COLGATE PALMOLIVE CO	63,891	$5.858M	0.8%	$83.80	—	COM	194162103
GOOG	ALPHABET INC	5,890	$2.081M	0.3%	$152.49	—	CAP STK CL C	02079K107
GOOGL	ALPHABET INC	4,329	$1.547M	0.2%	$164.93	—	CAP STK CL A	02079K305
T	AT&T INC	28,926	$599K	0.1%	$16.33	—	COM	00206R102
NVDA	NVIDIA CORPORATION	8,696	$1.74M	0.2%	$114.32	—	COM	67066G104
AMZN	AMAZON COM INC	4,893	$1.166M	0.2%	$151.34	—	COM	023135106
RSP	INVESCO EXCHANGE TRADED FD T	6,989	$1.487M	0.2%	$149.77	—	S&P500 EQL WGT	46137V357
V	VISA INC	2,797	$960K	0.1%	$206.11	—	COM CL A	92826C839
UNH	UNITEDHEALTH GROUP INC	770	$320K	0.0%	$371.46	—	COM	91324P102
BAC	BANK AMER CORP	12,875	$734K	0.1%	$27.51	—	COM	060505104
SCHV	SCHWAB STRATEGIC TR	24,210	$843K	0.1%	$35.06	—	US LCAP VA ETF	808524409
AVGO	BROADCOM INC	1,496	$565K	0.1%	$307.89	—	COM	11135F101
TSM	TAIWAN SEMICONDUCTOR MANUFAC	650	$310K	0.0%	$337.95	—	SPONSORED ADS	874039100
NFLX	NETFLIX INC	3,490	$249K	0.0%	$105.70	—	COM	64110L106
IBM	INTERNATIONAL BUSINESS MACHS	2,187	$615K	0.1%	$138.60	—	COM	459200101
GEV	GE VERNOVA INC	275	$323K	0.0%	$736.93	—	COM	36828A101
C	CITIGROUP INC	2,939	$411K	0.1%	$77.36	—	COM NEW	172967424
MRK	MERCK & CO INC	9,225	$1.185M	0.2%	$57.03	—	COM	58933Y105
JNJ	JOHNSON & JOHNSON	7,357	$1.868M	0.3%	$120.23	—	COM	478160104
TT	TRANE TECHNOLOGIES PLC	871	$428K	0.1%	$413.59	—	SHS	G8994E103
DFUS	DIMENSIONAL ETF TRUST	5,721	$469K	0.1%	$47.15	—	US EQUITY ETF	25434V401
HD	HOME DEPOT INC	2,484	$876K	0.1%	$310.19	—	COM	437076102
VIG	VANGUARD SPECIALIZED FUNDS	2,741	$649K	0.1%	$159.17	—	DIV APP ETF	921908844
SPAB	SPDR SERIES TRUST	390,850	$9.975M	1.4%	$27.49	—	PORTFOLIO AGRGTE	78464A649
VZ	VERIZON COMMUNICATIONS INC	5,978	$253K	0.0%	$38.83	—	COM	92343V104
VT	VANGUARD INTL EQUITY INDEX F	2,365	$371K	0.1%	$97.00	—	TT WRLD ST ETF	922042742
IWP	ISHARES TR	2,360	$346K	0.0%	$103.70	—	RUS MD CP GR ETF	464287481
PNC	PNC FINL SVCS GROUP INC	978	$241K	0.0%	$192.78	—	COM	693475105
—	ISHARES TR	590	$242K	0.0%	$177.76	—	RUSSELL 1000 US	46435G169
MMM	3M CO	1,513	$245K	0.0%	$163.96	—	COM	88579Y101
PM	PHILIP MORRIS INTL INC	3,924	$282K	0.0%	$109.82	—	COM	718172109
COST	COSTCO WHSL CORP NEW	385	$360K	0.1%	$731.14	—	COM	22160K105
META	META PLATFORMS INC	1,987	$1.119M	0.2%	$345.15	—	CL A	30303M102
LIN	LINDE PLC	893	$463K	0.1%	$470.63	—	SHS	G54950103
MSFT	MICROSOFT CORP	7,017	$2.618M	0.4%	$201.87	—	COM	594918104
BRK/B	BERKSHIRE HATHAWAY INC DEL	709	$355K	0.0%	$484.49	—	CL B NEW	084670702
SHYG	ISHARES TR	175,323	$7.435M	1.0%	$47.14	—	0-5YR HI YL CP	46434V407
FBND	FIDELITY MERRIMACK STR TR	12,636	$575K	0.1%	$46.10	—	TOTAL BD ETF	316188309
ORCL	ORACLE CORP	2,648	$388K	0.1%	$104.31	—	COM	68389X105
SCHO	SCHWAB STRATEGIC TR	50,588	$1.221M	0.2%	$35.13	—	SHT TM US TRES	808524862
PEG	PUBLIC SVC ENTERPRISE GRP IN	3,652	$296K	0.0%	$44.10	—	COM	744573106