Francis Financial, Inc. Diversified Active

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
SPYV	SPDR SERIES TRUST	50,215	$2,853	0.6%	$56.81	—	STATE STREET SPD	78464A508
DFAT	DIMENSIONAL ETF TRUST	11,409	$679	0.1%	$59.54	—	US TARGETED VLU	25434V609
ITOT	ISHARES TR	2,199	$327	0.1%	$148.69	—	CORE S&P TTL STK	464287150
IEFA	ISHARES TR	3,522	$315	0.1%	$89.46	—	CORE MSCI EAFE	46432F842
SCHZ	SCHWAB STRATEGIC TR	12,459	$291	0.1%	$23.37	—	US AGGREGATE B	808524839
SPDW	SPDR INDEX SHS FDS	5,025	$223	0.0%	$44.41	—	PORTFOLIO DEVLPD	78463X889
VEU	VANGUARD INTL EQUITY INDEX F	2,798	$206	0.0%	$73.56	—	ALLWRLD EX US	922042775
BSMS	INVESCO EXCH TRD SLF IDX FD	8,524	$200	0.0%	$23.50	—	BULSHS 2028 MUNI	46138J486

Increased Positions (39)

FLXR TCW ETF TRUST 7.2%

Value ($000) $36,671 (+10.4%) Shares 926,037 (+11.0%) Est. Cost $39.35 Unrealized —

DFSI DIMENSIONAL ETF TRUST 6.2%

Value ($000) $31,786 (+10.1%) Shares 741,881 (+5.2%) Est. Cost $32.52 Unrealized —

MSFT MICROSOFT CORP 0.6%

Value ($000) $3,259 (-39.7%) Shares 6,739 (+3.5%) Est. Cost $375.56 Unrealized +33.3%

NVDA NVIDIA CORPORATION 1.1%

Value ($000) $5,870 (-24.6%) Shares 31,477 (+3.9%) Est. Cost $131.04 Unrealized +42.0%

JIRE J P MORGAN EXCHANGE TRADED F 5.4%

Value ($000) $27,508 (+7.2%) Shares 367,367 (+5.2%) Est. Cost $64.71 Unrealized —

VUG VANGUARD INDEX FDS 5.6%

Value ($000) $28,629 (+5.3%) Shares 58,682 (+3.6%) Est. Cost $479.92 Unrealized —

IVOO VANGUARD ADMIRAL FDS INC 3.6%

Value ($000) $18,195 (+6.2%) Shares 162,744 (+4.9%) Est. Cost $103.05 Unrealized —

VCEB VANGUARD WORLD FD 0.6%

Value ($000) $3,044 (+43.9%) Shares 47,840 (+45.2%) Est. Cost $64.02 Unrealized —

DFAC DIMENSIONAL ETF TRUST 0.3%

Value ($000) $1,302 (+127.0%) Shares 32,895 (+121.1%) Est. Cost $36.27 Unrealized —

AAPL APPLE INC 1.2%

Value ($000) $6,128 (-9.6%) Shares 22,539 (+13.2%) Est. Cost $184.74 Unrealized +45.3%

AVGO BROADCOM INC 0.2%

Value ($000) $1,107 (-36.0%) Shares 3,198 (+1.2%) Est. Cost $190.13 Unrealized +87.8%

MUB ISHARES TR 0.6%

Value ($000) $3,308 (+21.1%) Shares 30,888 (+20.4%) Est. Cost $106.12 Unrealized —

VTI VANGUARD INDEX FDS 1.0%

Value ($000) $5,159 (+11.9%) Shares 15,387 (+9.6%) Est. Cost $257.13 Unrealized —

DFUS DIMENSIONAL ETF TRUST 0.2%

Value ($000) $1,068 (+75.5%) Shares 14,400 (+71.4%) Est. Cost $65.23 Unrealized —

DFAX DIMENSIONAL ETF TRUST 0.3%

Value ($000) $1,365 (+49.4%) Shares 41,708 (+43.2%) Est. Cost $27.63 Unrealized —

SCHX SCHWAB STRATEGIC TR 0.2%

Value ($000) $824 (+104.7%) Shares 30,634 (+100.4%) Est. Cost $32.05 Unrealized —

IJR ISHARES TR 2.8%

Value ($000) $14,153 (+2.9%) Shares 117,769 (+1.7%) Est. Cost $100.61 Unrealized —

NFLX NETFLIX INC 0.0%

Value ($000) $210 (-61.2%) Shares 2,240 (+814.3%) Est. Cost $108.46 Unrealized -0.6%

MUNY VANGUARD NY TAX FREE FDS 2.7%

Value ($000) $13,625 (+2.5%) Shares 131,987 (+2.2%) Est. Cost $101.21 Unrealized —

HD HOME DEPOT INC 0.2%

Value ($000) $824 (-25.5%) Shares 2,396 (+6.2%) Est. Cost $360.70 Unrealized +1.1%

FSMB FIRST TR EXCH TRADED FD III 0.6%

Value ($000) $3,232 (+8.9%) Shares 161,251 (+9.1%) Est. Cost $19.93 Unrealized —

GOOG ALPHABET INC 0.3%

Value ($000) $1,651 (+17.5%) Shares 5,261 (+10.3%) Est. Cost $155.45 Unrealized +84.2%

JPM JPMORGAN CHASE & CO. 0.2%

Value ($000) $1,258 (-15.0%) Shares 3,903 (+16.2%) Est. Cost $212.22 Unrealized +45.9%

ABBV ABBVIE INC 0.0%

Value ($000) $239 (-45.0%) Shares 1,048 (+1.7%) Est. Cost $202.39 Unrealized +12.4%

PLTR PALANTIR TECHNOLOGIES INC 0.0%

Value ($000) $213 (-46.6%) Shares 1,197 (+2.1%) Est. Cost $162.46 Unrealized +11.4%

TSM TAIWAN SEMICONDUCTOR MFG LTD 0.1%

Value ($000) $284 (-38.2%) Shares 933 (+2.5%) Est. Cost $499.37 Unrealized —

GS GOLDMAN SACHS GROUP INC 0.2%

Value ($000) $947 (+13.8%) Shares 1,077 (+23.7%) Est. Cost $502.78 Unrealized +61.8%

XJH ISHARES TR 0.5%

Value ($000) $2,313 (+5.1%) Shares 51,796 (+3.2%) Est. Cost $41.00 Unrealized —

VWO VANGUARD INTL EQUITY INDEX F 0.5%

Value ($000) $2,584 (+4.5%) Shares 48,064 (+5.3%) Est. Cost $44.70 Unrealized —

ESML ISHARES TR 0.5%

Value ($000) $2,482 (+4.1%) Shares 53,980 (+2.0%) Est. Cost $35.35 Unrealized —

ISRG INTUITIVE SURGICAL INC 0.1%

Value ($000) $453 (+25.4%) Shares 799 (+5.7%) Est. Cost $482.70 Unrealized +10.3%

DIS DISNEY WALT CO 0.1%

Value ($000) $320 (-18.7%) Shares 2,814 (+1.3%) Est. Cost $95.95 Unrealized +14.2%

LRCX LAM RESEARCH CORP 0.0%

Value ($000) $209 (-21.1%) Shares 1,223 (+3.6%) Est. Cost $107.23 Unrealized +44.9%

CSCO CISCO SYS INC 0.0%

Value ($000) $215 (-16.3%) Shares 2,788 (+12.7%) Est. Cost $68.11 Unrealized +8.3%

GE GE AEROSPACE 0.1%

Value ($000) $433 (-5.1%) Shares 1,407 (+9.9%) Est. Cost $209.41 Unrealized +43.6%

AMD ADVANCED MICRO DEVICES INC 0.1%

Value ($000) $354 (-5.9%) Shares 1,655 (+20.7%) Est. Cost $172.23 Unrealized +30.4%

LLY ELI LILLY & CO 0.2%

Value ($000) $807 (-2.4%) Shares 751 (+3.4%) Est. Cost $725.07 Unrealized +31.8%

XOM EXXON MOBIL CORP 0.1%

Value ($000) $301 (+7.1%) Shares 2,499 (+41.7%) Est. Cost $111.40 Unrealized +3.7%

TJX TJX COS INC NEW 0.1%

Value ($000) $355 (-5.3%) Shares 2,309 (+2.0%) Est. Cost $115.32 Unrealized +28.1%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
FLXR	TCW ETF TRUST	926,037 (+11.0%)	$36,671 (+10.4%)	7.2%	$39.35	—	FLEXIBLE INCOME	29287L700
DFSI	DIMENSIONAL ETF TRUST	741,881 (+5.2%)	$31,786 (+10.1%)	6.2%	$32.52	—	INTERNATIONAL	25434V690
MSFT	MICROSOFT CORP	6,739 (+3.5%)	$3,259 (-39.7%)	0.6%	$375.56	+33.3%	COM	594918104
NVDA	NVIDIA CORPORATION	31,477 (+3.9%)	$5,870 (-24.6%)	1.1%	$131.04	+42.0%	COM	67066G104
JIRE	J P MORGAN EXCHANGE TRADED F	367,367 (+5.2%)	$27,508 (+7.2%)	5.4%	$64.71	—	INTRNL RES EQT	46641Q134
VUG	VANGUARD INDEX FDS	58,682 (+3.6%)	$28,629 (+5.3%)	5.6%	$479.92	—	GROWTH ETF	922908736
IVOO	VANGUARD ADMIRAL FDS INC	162,744 (+4.9%)	$18,195 (+6.2%)	3.6%	$103.05	—	MIDCP 400 IDX	921932885
VCEB	VANGUARD WORLD FD	47,840 (+45.2%)	$3,044 (+43.9%)	0.6%	$64.02	—	ESG US CORP BD	921910691
DFAC	DIMENSIONAL ETF TRUST	32,895 (+121.1%)	$1,302 (+127.0%)	0.3%	$36.27	—	US CORE EQUITY 2	25434V708
AAPL	APPLE INC	22,539 (+13.2%)	$6,128 (-9.6%)	1.2%	$184.74	+45.3%	COM	037833100
AVGO	BROADCOM INC	3,198 (+1.2%)	$1,107 (-36.0%)	0.2%	$190.13	+87.8%	COM	11135F101
MUB	ISHARES TR	30,888 (+20.4%)	$3,308 (+21.1%)	0.6%	$106.12	—	NATIONAL MUN ETF	464288414
VTI	VANGUARD INDEX FDS	15,387 (+9.6%)	$5,159 (+11.9%)	1.0%	$257.13	—	TOTAL STK MKT	922908769
DFUS	DIMENSIONAL ETF TRUST	14,400 (+71.4%)	$1,068 (+75.5%)	0.2%	$65.23	—	US EQUITY MARKET	25434V401
DFAX	DIMENSIONAL ETF TRUST	41,708 (+43.2%)	$1,365 (+49.4%)	0.3%	$27.63	—	WORLD EX US CORE	25434V880
SCHX	SCHWAB STRATEGIC TR	30,634 (+100.4%)	$824 (+104.7%)	0.2%	$32.05	—	US LRG CAP ETF	808524201
IJR	ISHARES TR	117,769 (+1.7%)	$14,153 (+2.9%)	2.8%	$100.61	—	CORE S&P SCP ETF	464287804
NFLX	NETFLIX INC	2,240 (+814.3%)	$210 (-61.2%)	0.0%	$108.46	-0.6%	COM	64110L106
MUNY	VANGUARD NY TAX FREE FDS	131,987 (+2.2%)	$13,625 (+2.5%)	2.7%	$101.21	—	TAX EXEMPT BD	92204H400
HD	HOME DEPOT INC	2,396 (+6.2%)	$824 (-25.5%)	0.2%	$360.70	+1.1%	COM	437076102
FSMB	FIRST TR EXCH TRADED FD III	161,251 (+9.1%)	$3,232 (+8.9%)	0.6%	$19.93	—	SHRT DUR MNG MUN	33739P830
GOOG	ALPHABET INC	5,261 (+10.3%)	$1,651 (+17.5%)	0.3%	$155.45	+84.2%	CAP STK CL C	02079K107
JPM	JPMORGAN CHASE & CO.	3,903 (+16.2%)	$1,258 (-15.0%)	0.2%	$212.22	+45.9%	COM	46625H100
ABBV	ABBVIE INC	1,048 (+1.7%)	$239 (-45.0%)	0.0%	$202.39	+12.4%	COM	00287Y109
PLTR	PALANTIR TECHNOLOGIES INC	1,197 (+2.1%)	$213 (-46.6%)	0.0%	$162.46	+11.4%	CL A	69608A108
TSM	TAIWAN SEMICONDUCTOR MFG LTD	933 (+2.5%)	$284 (-38.2%)	0.1%	$499.37	—	SPONSORED ADS	874039100
GS	GOLDMAN SACHS GROUP INC	1,077 (+23.7%)	$947 (+13.8%)	0.2%	$502.78	+61.8%	COM	38141G104
XJH	ISHARES TR	51,796 (+3.2%)	$2,313 (+5.1%)	0.5%	$41.00	—	ESG SELECT SCRE	46436E551
VWO	VANGUARD INTL EQUITY INDEX F	48,064 (+5.3%)	$2,584 (+4.5%)	0.5%	$44.70	—	FTSE EMR MKT ETF	922042858
ESML	ISHARES TR	53,980 (+2.0%)	$2,482 (+4.1%)	0.5%	$35.35	—	ESG AWARE MSCI	46435U663
ISRG	INTUITIVE SURGICAL INC	799 (+5.7%)	$453 (+25.4%)	0.1%	$482.70	+10.3%	COM NEW	46120E602
DIS	DISNEY WALT CO	2,814 (+1.3%)	$320 (-18.7%)	0.1%	$95.95	+14.2%	COM	254687106
LRCX	LAM RESEARCH CORP	1,223 (+3.6%)	$209 (-21.1%)	0.0%	$107.23	+44.9%	COM NEW	512807306
CSCO	CISCO SYS INC	2,788 (+12.7%)	$215 (-16.3%)	0.0%	$68.11	+8.3%	COM	17275R102
GE	GE AEROSPACE	1,407 (+9.9%)	$433 (-5.1%)	0.1%	$209.41	+43.6%	COM NEW	369604301
AMD	ADVANCED MICRO DEVICES INC	1,655 (+20.7%)	$354 (-5.9%)	0.1%	$172.23	+30.4%	COM	007903107
LLY	ELI LILLY & CO	751 (+3.4%)	$807 (-2.4%)	0.2%	$725.07	+31.8%	COM	532457108
XOM	EXXON MOBIL CORP	2,499 (+41.7%)	$301 (+7.1%)	0.1%	$111.40	+3.7%	COM	30231G102
TJX	TJX COS INC NEW	2,309 (+2.0%)	$355 (-5.3%)	0.1%	$115.32	+28.1%	COM	872540109

Exited Positions (27)

FNDX SCHWAB STRATEGIC TR 0.1%

Value ($000) $547 Shares 20,787 Est. Cost $40.73 Unrealized —

ORCL ORACLE CORP 0.1%

Value ($000) $525 Shares 1,023 Est. Cost $254.17 Unrealized -6.3%

VCLT VANGUARD SCOTTSDALE FDS 0.1%

Value ($000) $431 Shares 5,557 Est. Cost $77.64 Unrealized —

PG PROCTER AND GAMBLE CO 0.1%

Value ($000) $392 Shares 1,484 Est. Cost $161.06 Unrealized -8.6%

BSX BOSTON SCIENTIFIC CORP 0.1%

Value ($000) $390 Shares 2,021 Est. Cost $101.18 Unrealized -3.1%

NFG NATIONAL FUEL GAS CO 0.1%

Value ($000) $377 Shares 2,043 Est. Cost $87.18 Unrealized -5.5%

L LOEWS CORP 0.1%

Value ($000) $354 Shares 1,802 Est. Cost $94.44 Unrealized +9.3%

UNH UNITEDHEALTH GROUP INC 0.1%

Value ($000) $331 Shares 585 Est. Cost $298.94 Unrealized +12.8%

PEP PEPSICO INC 0.1%

Value ($000) $283 Shares 1,106 Est. Cost $140.43 Unrealized +3.9%

ABT ABBOTT LABS 0.1%

Value ($000) $276 Shares 1,095 Est. Cost $130.61 Unrealized -2.5%

KO COCA COLA CO 0.1%

Value ($000) $264 Shares 2,506 Est. Cost $67.92 Unrealized +2.2%

CVX CHEVRON CORP NEW 0.1%

Value ($000) $261 Shares 1,248 Est. Cost $152.28 Unrealized -0.6%

T AT&T INC 0.1%

Value ($000) $258 Shares 5,756 Est. Cost $28.07 Unrealized -9.9%

AMAT APPLIED MATLS INC 0.1%

Value ($000) $257 Shares 736 Est. Cost $180.78 Unrealized +32.5%

KLAC KLA CORP 0.0%

Value ($000) $256 Shares 138 Est. Cost $930.36 Unrealized +26.0%

C CITIGROUP INC 0.0%

Value ($000) $248 Shares 1,451 Est. Cost $94.11 Unrealized +10.1%

SAP SAP SE 0.0%

Value ($000) $243 Shares 529 Est. Cost $458.65 Unrealized —

VST VISTRA CORP 0.0%

Value ($000) $240 Shares 627 Est. Cost $197.68 Unrealized -8.0%

CEG CONSTELLATION ENERGY CORP 0.0%

Value ($000) $239 Shares 391 Est. Cost $322.17 Unrealized +12.7%

CRM SALESFORCE INC 0.0%

Value ($000) $234 Shares 633 Est. Cost $251.43 Unrealized -1.3%

BKNG BOOKING HOLDINGS INC 0.0%

Value ($000) $227 Shares 22 Est. Cost $5563.60 Unrealized -7.7%

NOW SERVICENOW INC 0.0%

Value ($000) $212 Shares 130 Est. Cost $186.78 Unrealized -8.2%

PM PHILIP MORRIS INTL INC 0.0%

Value ($000) $210 Shares 729 Est. Cost $165.18 Unrealized -7.0%

ANET ARISTA NETWORKS INC 0.0%

Value ($000) $207 Shares 766 Est. Cost $128.77 Unrealized +6.9%

GEV GE VERNOVA INC 0.0%

Value ($000) $207 Shares 258 Est. Cost $605.52 Unrealized +0.6%

LAUR LAUREATE EDUCATION INC 0.0%

Value ($000) $205 Shares 3,242 Est. Cost $26.20 Unrealized +17.8%

COF CAPITAL ONE FINL CORP 0.0%

Value ($000) $200 Shares 499 Est. Cost $217.80 Unrealized +2.0%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
FNDX	SCHWAB STRATEGIC TR	20,787	$547	0.1%	$40.73	—	—	808524771
ORCL	ORACLE CORP	1,023	$525	0.1%	$254.17	-6.3%	—	68389X105
VCLT	VANGUARD SCOTTSDALE FDS	5,557	$431	0.1%	$77.64	—	—	92206C813
PG	PROCTER AND GAMBLE CO	1,484	$392	0.1%	$161.06	-8.6%	—	742718109
BSX	BOSTON SCIENTIFIC CORP	2,021	$390	0.1%	$101.18	-3.1%	—	101137107
NFG	NATIONAL FUEL GAS CO	2,043	$377	0.1%	$87.18	-5.5%	—	636180101
L	LOEWS CORP	1,802	$354	0.1%	$94.44	+9.3%	—	540424108
UNH	UNITEDHEALTH GROUP INC	585	$331	0.1%	$298.94	+12.8%	—	91324P102
PEP	PEPSICO INC	1,106	$283	0.1%	$140.43	+3.9%	—	713448108
ABT	ABBOTT LABS	1,095	$276	0.1%	$130.61	-2.5%	—	002824100
KO	COCA COLA CO	2,506	$264	0.1%	$67.92	+2.2%	—	191216100
CVX	CHEVRON CORP NEW	1,248	$261	0.1%	$152.28	-0.6%	—	166764100
T	AT&T INC	5,756	$258	0.1%	$28.07	-9.9%	—	00206R102
AMAT	APPLIED MATLS INC	736	$257	0.1%	$180.78	+32.5%	—	038222105
KLAC	KLA CORP	138	$256	0.0%	$930.36	+26.0%	—	482480100
C	CITIGROUP INC	1,451	$248	0.0%	$94.11	+10.1%	—	172967424
SAP	SAP SE	529	$243	0.0%	$458.65	—	—	803054204
VST	VISTRA CORP	627	$240	0.0%	$197.68	-8.0%	—	92840M102
CEG	CONSTELLATION ENERGY CORP	391	$239	0.0%	$322.17	+12.7%	—	21037T109
CRM	SALESFORCE INC	633	$234	0.0%	$251.43	-1.3%	—	79466L302
BKNG	BOOKING HOLDINGS INC	22	$227	0.0%	$5563.60	-7.7%	—	09857L108
NOW	SERVICENOW INC	130	$212	0.0%	$186.78	-8.2%	—	81762P102
PM	PHILIP MORRIS INTL INC	729	$210	0.0%	$165.18	-7.0%	—	718172109
ANET	ARISTA NETWORKS INC	766	$207	0.0%	$128.77	+6.9%	—	040413205
GEV	GE VERNOVA INC	258	$207	0.0%	$605.52	+0.6%	—	36828A101
LAUR	LAUREATE EDUCATION INC	3,242	$205	0.0%	$26.20	+17.8%	—	518613203
COF	CAPITAL ONE FINL CORP	499	$200	0.0%	$217.80	+2.0%	—	14040H105

Decreased Positions (23)

META META PLATFORMS INC 5.2%

Value ($000) $26,749 (-65.0%) Shares 40,523 (-22.7%) Est. Cost $513.00 Unrealized +30.1%

AMZN AMAZON COM INC 0.4%

Value ($000) $1,999 (-57.3%) Shares 8,661 (-23.4%) Est. Cost $179.97 Unrealized +27.1%

GOOGL ALPHABET INC 0.7%

Value ($000) $3,415 (-28.8%) Shares 10,909 (-16.3%) Est. Cost $141.85 Unrealized +101.3%

BIV VANGUARD BD INDEX FDS 9.1%

Value ($000) $46,410 (-2.3%) Shares 595,914 (-2.0%) Est. Cost $75.99 Unrealized —

VYM VANGUARD WHITEHALL FDS 3.0%

Value ($000) $15,516 (-5.2%) Shares 108,113 (-6.9%) Est. Cost $100.28 Unrealized —

BGRN ISHARES TR 2.4%

Value ($000) $12,189 (-4.6%) Shares 254,269 (-4.2%) Est. Cost $47.08 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.3%

Value ($000) $1,470 (-25.9%) Shares 2,925 (-3.3%) Est. Cost $375.58 Unrealized +32.5%

MA MASTERCARD INCORPORATED 0.0%

Value ($000) $222 (-66.0%) Shares 388 (-49.8%) Est. Cost $553.26 Unrealized +1.0%

TSLA TESLA INC 0.1%

Value ($000) $596 (-36.3%) Shares 1,325 (-4.3%) Est. Cost $237.64 Unrealized +86.5%

V VISA INC 0.1%

Value ($000) $380 (-42.4%) Shares 1,084 (-3.9%) Est. Cost $296.84 Unrealized +14.7%

VO VANGUARD INDEX FDS 1.5%

Value ($000) $7,633 (-3.4%) Shares 26,301 (-2.2%) Est. Cost $274.27 Unrealized —

DFUV DIMENSIONAL ETF TRUST 0.4%

Value ($000) $1,973 (-8.5%) Shares 42,353 (-12.2%) Est. Cost $32.72 Unrealized —

DFLV DIMENSIONAL ETF TRUST 2.4%

Value ($000) $12,401 (-1.3%) Shares 362,504 (-5.1%) Est. Cost $28.91 Unrealized —

DSI ISHARES TR 2.3%

Value ($000) $11,962 (+1.2%) Shares 92,853 (-1.1%) Est. Cost $74.27 Unrealized —

AXP AMERICAN EXPRESS CO 0.1%

Value ($000) $566 (-11.3%) Shares 1,531 (-4.3%) Est. Cost $316.55 Unrealized +12.8%

AMZN AMAZON COM INC 0.1%

Value ($000) $392 (-14.9%) Shares 1,700 (-19.0%) Est. Cost $179.97 Unrealized +27.1%

IVV ISHARES TR 0.5%

Value ($000) $2,543 (-2.5%) Shares 3,713 (-4.8%) Est. Cost $493.83 Unrealized —

SO SOUTHERN CO 0.0%

Value ($000) $227 (-22.6%) Shares 2,598 (-3.7%) Est. Cost $82.37 Unrealized +10.3%

VV VANGUARD INDEX FDS 0.1%

Value ($000) $263 (-3.3%) Shares 836 (-5.4%) Est. Cost $202.72 Unrealized —

IVE ISHARES TR 0.1%

Value ($000) $363 (+1.6%) Shares 1,710 (-1.1%) Est. Cost $142.57 Unrealized —

QQQ INVESCO QQQ TR 0.1%

Value ($000) $425 (+1.2%) Shares 692 (-1.1%) Est. Cost $360.42 Unrealized —

SLB SLB LIMITED 0.0%

Value ($000) $230 (-0.9%) Shares 5,999 (-4.8%) Est. Cost $38.93 Unrealized -7.4%

QUAL ISHARES TR 0.0%

Value ($000) $203 (-0.6%) Shares 1,021 (-2.7%) Est. Cost $194.50 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
META	META PLATFORMS INC	40,523 (-22.7%)	$26,749 (-65.0%)	5.2%	$513.00	+30.1%	CL A	30303M102
AMZN	AMAZON COM INC	8,661 (-23.4%)	$1,999 (-57.3%)	0.4%	$179.97	+27.1%	COM	023135106
GOOGL	ALPHABET INC	10,909 (-16.3%)	$3,415 (-28.8%)	0.7%	$141.85	+101.3%	CAP STK CL A	02079K305
BIV	VANGUARD BD INDEX FDS	595,914 (-2.0%)	$46,410 (-2.3%)	9.1%	$75.99	—	INTERMED TERM	921937819
VYM	VANGUARD WHITEHALL FDS	108,113 (-6.9%)	$15,516 (-5.2%)	3.0%	$100.28	—	HIGH DIV YLD	921946406
BGRN	ISHARES TR	254,269 (-4.2%)	$12,189 (-4.6%)	2.4%	$47.08	—	USD GRN BOND ETF	46435U440
BRK/B	BERKSHIRE HATHAWAY INC DEL	2,925 (-3.3%)	$1,470 (-25.9%)	0.3%	$375.58	+32.5%	CL B NEW	084670702
MA	MASTERCARD INCORPORATED	388 (-49.8%)	$222 (-66.0%)	0.0%	$553.26	+1.0%	CL A	57636Q104
TSLA	TESLA INC	1,325 (-4.3%)	$596 (-36.3%)	0.1%	$237.64	+86.5%	COM	88160R101
V	VISA INC	1,084 (-3.9%)	$380 (-42.4%)	0.1%	$296.84	+14.7%	COM CL A	92826C839
VO	VANGUARD INDEX FDS	26,301 (-2.2%)	$7,633 (-3.4%)	1.5%	$274.27	—	MID CAP ETF	922908629
DFUV	DIMENSIONAL ETF TRUST	42,353 (-12.2%)	$1,973 (-8.5%)	0.4%	$32.72	—	US MKTWIDE VALUE	25434V724
DFLV	DIMENSIONAL ETF TRUST	362,504 (-5.1%)	$12,401 (-1.3%)	2.4%	$28.91	—	US LARGE CAP VAL	25434V666
DSI	ISHARES TR	92,853 (-1.1%)	$11,962 (+1.2%)	2.3%	$74.27	—	ESG MSCI KLD 400	464288570
AXP	AMERICAN EXPRESS CO	1,531 (-4.3%)	$566 (-11.3%)	0.1%	$316.55	+12.8%	COM	025816109
AMZN	AMAZON COM INC	1,700 (-19.0%)	$392 (-14.9%)	0.1%	$179.97	+27.1%	PUT	023135106
IVV	ISHARES TR	3,713 (-4.8%)	$2,543 (-2.5%)	0.5%	$493.83	—	CORE S&P500 ETF	464287200
SO	SOUTHERN CO	2,598 (-3.7%)	$227 (-22.6%)	0.0%	$82.37	+10.3%	COM	842587107
VV	VANGUARD INDEX FDS	836 (-5.4%)	$263 (-3.3%)	0.1%	$202.72	—	LARGE CAP ETF	922908637
IVE	ISHARES TR	1,710 (-1.1%)	$363 (+1.6%)	0.1%	$142.57	—	S&P 500 VAL ETF	464287408
QQQ	INVESCO QQQ TR	692 (-1.1%)	$425 (+1.2%)	0.1%	$360.42	—	UNIT SER 1	46090E103
SLB	SLB LIMITED	5,999 (-4.8%)	$230 (-0.9%)	0.0%	$38.93	-7.4%	COM STK	806857108
QUAL	ISHARES TR	1,021 (-2.7%)	$203 (-0.6%)	0.0%	$194.50	—	MSCI USA QLT FCT	46432F339

Unchanged Positions (41)

VOO VANGUARD INDEX FDS 15.4%

Value ($000) $79,058 Shares 126,064 Est. Cost $354.04 Unrealized —

COST COSTCO WHSL CORP NEW 0.1%

Value ($000) $442 Shares 513 Est. Cost $981.28 Unrealized -7.7%

WMT WALMART INC 0.1%

Value ($000) $292 Shares 2,622 Est. Cost $95.09 Unrealized +12.7%

NULG NUSHARES ETF TR 1.3%

Value ($000) $6,674 Shares 68,239 Est. Cost $58.11 Unrealized —

JNJ JOHNSON & JOHNSON 0.1%

Value ($000) $356 Shares 1,722 Est. Cost $154.84 Unrealized +27.2%

BAC BANK AMERICA CORP 0.1%

Value ($000) $456 Shares 8,284 Est. Cost $42.72 Unrealized +23.3%

VTV VANGUARD INDEX FDS 0.7%

Value ($000) $3,687 Shares 19,305 Est. Cost $176.91 Unrealized —

VONE VANGUARD SCOTTSDALE FDS 1.0%

Value ($000) $4,901 Shares 15,860 Est. Cost $280.86 Unrealized —

IBM INTERNATIONAL BUSINESS MACHS 0.2%

Value ($000) $1,038 Shares 3,505 Est. Cost $157.53 Unrealized +89.7%

MCD MCDONALDS CORP 0.2%

Value ($000) $1,203 Shares 3,937 Est. Cost $278.60 Unrealized +9.5%

META META PLATFORMS INC 0.1%

Value ($000) $594 Shares 900 Est. Cost $513.00 Unrealized +30.1%

MGK VANGUARD WORLD FD 0.5%

Value ($000) $2,648 Shares 6,415 Est. Cost $366.28 Unrealized —

SUSB ISHARES TR 2.0%

Value ($000) $10,450 Shares 414,014 Est. Cost $24.18 Unrealized —

NUE NUCOR CORP 0.1%

Value ($000) $319 Shares 1,957 Est. Cost $146.68 Unrealized +2.1%

DFSE DIMENSIONAL ETF TRUST 0.9%

Value ($000) $4,451 Shares 107,308 Est. Cost $41.09 Unrealized —

VTWO VANGUARD SCOTTSDALE FDS 0.5%

Value ($000) $2,576 Shares 25,882 Est. Cost $87.22 Unrealized —

GLW CORNING INC 0.4%

Value ($000) $1,892 Shares 21,611 Est. Cost $27.53 Unrealized +212.3%

FNDF SCHWAB STRATEGIC TR 0.1%

Value ($000) $753 Shares 16,654 Est. Cost $35.03 Unrealized —

RSP INVESCO EXCHANGE TRADED FD T 0.5%

Value ($000) $2,647 Shares 13,816 Est. Cost $156.47 Unrealized —

DFAI DIMENSIONAL ETF TRUST 0.1%

Value ($000) $720 Shares 18,901 Est. Cost $25.04 Unrealized —

MSFT MICROSOFT CORP 0.1%

Value ($000) $290 Shares 600 Est. Cost $375.56 Unrealized +33.3%

TOUS T ROWE PRICE ETF INC 0.1%

Value ($000) $703 Shares 20,373 Est. Cost $32.37 Unrealized —

IWM ISHARES TR 0.2%

Value ($000) $855 Shares 3,474 Est. Cost $177.41 Unrealized —

CGDV CAPITAL GROUP DIVIDEND VALUE 0.1%

Value ($000) $414 Shares 9,486 Est. Cost $32.58 Unrealized —

DIA SPDR DOW JONES INDL AVERAGE 0.1%

Value ($000) $332 Shares 691 Est. Cost $334.95 Unrealized —

PNC PNC FINL SVCS GROUP INC 0.1%

Value ($000) $512 Shares 2,455 Est. Cost $125.22 Unrealized +54.0%

VTRS VIATRIS INC 0.0%

Value ($000) $162 Shares 12,988 Est. Cost $10.83 Unrealized -1.0%

SPY SPDR S&P 500 ETF TR 0.1%

Value ($000) $444 Shares 651 Est. Cost $391.65 Unrealized —

VB VANGUARD INDEX FDS 0.1%

Value ($000) $601 Shares 2,328 Est. Cost $195.32 Unrealized —

IVW ISHARES TR 0.1%

Value ($000) $581 Shares 4,717 Est. Cost $80.04 Unrealized —

IUSV ISHARES TR 0.1%

Value ($000) $258 Shares 2,519 Est. Cost $92.59 Unrealized —

NYF ISHARES TR 0.4%

Value ($000) $2,142 Shares 40,033 Est. Cost $53.49 Unrealized —

SCMB SCHWAB STRATEGIC TR 0.2%

Value ($000) $1,099 Shares 42,671 Est. Cost $25.18 Unrealized —

IWV ISHARES TR 0.1%

Value ($000) $311 Shares 803 Est. Cost $158.25 Unrealized —

DFAS DIMENSIONAL ETF TRUST 0.1%

Value ($000) $349 Shares 5,012 Est. Cost $50.92 Unrealized —

VIG VANGUARD SPECIALIZED FUNDS 0.1%

Value ($000) $262 Shares 1,190 Est. Cost $151.87 Unrealized —

IWF ISHARES TR 0.1%

Value ($000) $709 Shares 1,499 Est. Cost $365.90 Unrealized —

BND VANGUARD BD INDEX FDS 0.1%

Value ($000) $411 Shares 5,554 Est. Cost $75.11 Unrealized —

DVY ISHARES TR 0.0%

Value ($000) $236 Shares 1,675 Est. Cost $123.18 Unrealized —

BSMQ INVESCO EXCH TRD SLF IDX FD 0.0%

Value ($000) $204 Shares 8,635 Est. Cost $23.57 Unrealized —

BSMR INVESCO EXCH TRD SLF IDX FD 0.0%

Value ($000) $203 Shares 8,564 Est. Cost $23.66 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VOO	VANGUARD INDEX FDS	126,064	$79,058	15.4%	$354.04	—	S&P 500 ETF SHS	922908363
COST	COSTCO WHSL CORP NEW	513	$442	0.1%	$981.28	-7.7%	COM	22160K105
WMT	WALMART INC	2,622	$292	0.1%	$95.09	+12.7%	COM	931142103
NULG	NUSHARES ETF TR	68,239	$6,674	1.3%	$58.11	—	NUVEEN ESG LRGCP	67092P201
JNJ	JOHNSON & JOHNSON	1,722	$356	0.1%	$154.84	+27.2%	COM	478160104
BAC	BANK AMERICA CORP	8,284	$456	0.1%	$42.72	+23.3%	COM	060505104
VTV	VANGUARD INDEX FDS	19,305	$3,687	0.7%	$176.91	—	VALUE ETF	922908744
VONE	VANGUARD SCOTTSDALE FDS	15,860	$4,901	1.0%	$280.86	—	VNG RUS1000IDX	92206C730
IBM	INTERNATIONAL BUSINESS MACHS	3,505	$1,038	0.2%	$157.53	+89.7%	COM	459200101
MCD	MCDONALDS CORP	3,937	$1,203	0.2%	$278.60	+9.5%	COM	580135101
META	META PLATFORMS INC	900	$594	0.1%	$513.00	+30.1%	PUT	30303M102
MGK	VANGUARD WORLD FD	6,415	$2,648	0.5%	$366.28	—	MEGA GRWTH IND	921910816
SUSB	ISHARES TR	414,014	$10,450	2.0%	$24.18	—	ESG AWRE 1 5 YR	46435G243
NUE	NUCOR CORP	1,957	$319	0.1%	$146.68	+2.1%	COM	670346105
DFSE	DIMENSIONAL ETF TRUST	107,308	$4,451	0.9%	$41.09	—	EMERGING MARKETS	25434V682
VTWO	VANGUARD SCOTTSDALE FDS	25,882	$2,576	0.5%	$87.22	—	VNG RUS2000IDX	92206C664
GLW	CORNING INC	21,611	$1,892	0.4%	$27.53	+212.3%	COM	219350105
FNDF	SCHWAB STRATEGIC TR	16,654	$753	0.1%	$35.03	—	FUNDAMENTAL INTL	808524755
RSP	INVESCO EXCHANGE TRADED FD T	13,816	$2,647	0.5%	$156.47	—	S&P500 EQL WGT	46137V357
DFAI	DIMENSIONAL ETF TRUST	18,901	$720	0.1%	$25.04	—	INTL CORE EQT MK	25434V203
MSFT	MICROSOFT CORP	600	$290	0.1%	$375.56	+33.3%	PUT	594918104
TOUS	T ROWE PRICE ETF INC	20,373	$703	0.1%	$32.37	—	INTERNATIONAL EQ	87283Q834
IWM	ISHARES TR	3,474	$855	0.2%	$177.41	—	RUSSELL 2000 ETF	464287655
CGDV	CAPITAL GROUP DIVIDEND VALUE	9,486	$414	0.1%	$32.58	—	SHS CREATION UNI	14020W106
DIA	SPDR DOW JONES INDL AVERAGE	691	$332	0.1%	$334.95	—	UT SER 1	78467X109
PNC	PNC FINL SVCS GROUP INC	2,455	$512	0.1%	$125.22	+54.0%	COM	693475105
VTRS	VIATRIS INC	12,988	$162	0.0%	$10.83	-1.0%	COM	92556V106
SPY	SPDR S&P 500 ETF TR	651	$444	0.1%	$391.65	—	TR UNIT	78462F103
VB	VANGUARD INDEX FDS	2,328	$601	0.1%	$195.32	—	SMALL CP ETF	922908751
IVW	ISHARES TR	4,717	$581	0.1%	$80.04	—	S&P 500 GRWT ETF	464287309
IUSV	ISHARES TR	2,519	$258	0.1%	$92.59	—	CORE S&P US VLU	464287663
NYF	ISHARES TR	40,033	$2,142	0.4%	$53.49	—	NEW YORK MUN ETF	464288323
SCMB	SCHWAB STRATEGIC TR	42,671	$1,099	0.2%	$25.18	—	MUN BD ETF	808524649
IWV	ISHARES TR	803	$311	0.1%	$158.25	—	RUSSELL 3000 ETF	464287689
DFAS	DIMENSIONAL ETF TRUST	5,012	$349	0.1%	$50.92	—	US SMALL CAP ETF	25434V500
VIG	VANGUARD SPECIALIZED FUNDS	1,190	$262	0.1%	$151.87	—	DIV APP ETF	921908844
IWF	ISHARES TR	1,499	$709	0.1%	$365.90	—	RUS 1000 GRW ETF	464287614
BND	VANGUARD BD INDEX FDS	5,554	$411	0.1%	$75.11	—	TOTAL BND MRKT	921937835
DVY	ISHARES TR	1,675	$236	0.0%	$123.18	—	SELECT DIVID ETF	464287168
BSMQ	INVESCO EXCH TRD SLF IDX FD	8,635	$204	0.0%	$23.57	—	BULSHS 2026 MUNI	46138J510
BSMR	INVESCO EXCH TRD SLF IDX FD	8,564	$203	0.0%	$23.66	—	BULSHS 2027 MUNI	46138J494