Financial & Tax Architects, LLC Diversified Active

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VTIP	VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES	183,575	$9,080	2.0%	$49.46	—	ETF	922020805
ECL	ECOLAB INC	25,356	$6,656	1.5%	$265.71	0.0%	COM	278865100
VNQ	VANGUARD REAL ESTATE	38,508	$3,408	0.8%	$88.49	—	ETF	922908553
EEM	ISHARES MSCI EMERGING MARKETS	59,220	$3,240	0.7%	$54.71	—	ETF	464287234
EPI	WISDOMTREE INDIA EARNINGS FUND	29,535	$1,367	0.3%	$46.29	—	COM	97717W422
XLV	STATE STREET HEALTH CARE SELECT SECTOR SPDR	8,495	$1,315	0.3%	$154.81	—	ETF	81369Y209
TD	TORONTO DOMINION BK ONT COM NEW	9,293	$875	0.2%	$84.44	0.0%	COM	891160509
VOD	VODAFONE GROUP PLC NEW SPONSORED	65,525	$866	0.2%	$13.21	—	ADR	92857W308
JXI	ISHARES GLOBAL UTILITIES	5,150	$405	0.1%	$78.65	—	ETF	464288711
IGF	ISHARES GLOBAL INFRASTRUCTURE	6,392	$392	0.1%	$61.36	—	ETF	464288372
IDCC	INTERDIGITAL INC	1,066	$339	0.1%	$353.55	0.0%	COM	45867G101
QBIG	Invesco Top QQQ	7,152	$275	0.1%	$38.47	—	ETF	46090A671
AMD	ADVANCED MICRO DEVICES INC	1,173	$251	0.1%	$224.60	0.0%	COM	007903107
KXI	ISHARES GLOBAL CONSUMER STAPLES	3,775	$244	0.1%	$64.65	—	ETF	464288737
CVS	CVS HEALTH CORP	2,577	$205	0.0%	$78.67	0.0%	COM	126650100
SF	STIFEL FINL CORP	1,614	$202	0.0%	$119.59	0.0%	COM	860630102

Increased Positions (33)

VTI VANGUARD TOTAL STOCK MARKET 5.9%

Value ($000) $26,396 (+5893.3%) Shares 78,730 (+5766.6%) Est. Cost $334.65 Unrealized —

PCY INVESCO EMERGING MARKETS SOVEREIGN DEBT 3.1%

Value ($000) $13,974 (+182.3%) Shares 645,169 (+181.0%) Est. Cost $21.62 Unrealized —

GLD SPDR GOLD SHARES 0.8%

Value ($000) $3,714 (+1510.0%) Shares 9,372 (+1344.1%) Est. Cost $389.04 Unrealized —

VTWO VANGUARD RUSSELL 2000 1.5%

Value ($000) $6,584 (+59.0%) Shares 66,157 (+56.3%) Est. Cost $96.51 Unrealized —

IVW ISHARES S&P 500 GROWTH 0.7%

Value ($000) $3,326 (+127.6%) Shares 26,987 (+122.9%) Est. Cost $122.12 Unrealized —

EWP ISHARES MSCI SPAIN 0.5%

Value ($000) $2,251 (+196.5%) Shares 41,751 (+172.2%) Est. Cost $52.29 Unrealized —

SCHR SCHWAB INTERMEDIATE-TERM US TREASURY 0.8%

Value ($000) $3,457 (+12.9%) Shares 137,820 (+13.2%) Est. Cost $32.18 Unrealized —

TLH ISHARES 10-20 YEAR TREASURY BOND 0.8%

Value ($000) $3,405 (+13.0%) Shares 33,494 (+14.5%) Est. Cost $102.82 Unrealized —

AAPL APPLE INC 1.0%

Value ($000) $4,644 (+8.5%) Shares 17,083 (+1.6%) Est. Cost $187.29 Unrealized +43.3%

AMZN AMAZON COM INC 0.6%

Value ($000) $2,464 (+14.0%) Shares 10,675 (+8.5%) Est. Cost $164.91 Unrealized +38.7%

PG PROCTER AND GAMBLE CO 1.5%

Value ($000) $6,756 (-3.4%) Shares 47,142 (+3.5%) Est. Cost $132.15 Unrealized +11.4%

TIPX STATE STREET SPDR BLOOMBERG 1-10 YEAR TIPS 0.2%

Value ($000) $1,061 (+23.1%) Shares 55,618 (+24.4%) Est. Cost $19.25 Unrealized —

COST COSTCO WHSL CORP NEW 0.5%

Value ($000) $2,065 (+10.4%) Shares 2,394 (+18.5%) Est. Cost $710.48 Unrealized +27.5%

META META PLATFORMS INC 0.5%

Value ($000) $2,271 (+7.4%) Shares 3,440 (+19.5%) Est. Cost $419.66 Unrealized +59.0%

MSFT MICROSOFT CORP 0.9%

Value ($000) $3,929 (-3.8%) Shares 8,123 (+3.0%) Est. Cost $361.34 Unrealized +38.5%

OUNZ VANECK MERK GOLD 0.2%

Value ($000) $864 (+21.3%) Shares 20,838 (+8.8%) Est. Cost $30.62 Unrealized —

ADP AUTOMATIC DATA PROCESSING INC 1.6%

Value ($000) $6,947 (-1.5%) Shares 27,007 (+12.3%) Est. Cost $220.31 Unrealized +20.2%

USHY ISHARES BROAD USD HIGH YIELD CORPORATE BOND 0.8%

Value ($000) $3,568 (+2.0%) Shares 95,401 (+3.0%) Est. Cost $35.39 Unrealized —

XLI STATE STREET INDUSTRIAL SELECT SECTOR SPDR 0.3%

Value ($000) $1,179 (+6.0%) Shares 7,601 (+5.4%) Est. Cost $115.17 Unrealized —

HYG ISHARES IBOXX $ HIGH YIELD CORPORATE BOND 0.8%

Value ($000) $3,579 (+1.6%) Shares 44,389 (+2.3%) Est. Cost $77.96 Unrealized —

VOX VANGUARD COMMUNICATION SERVICES 0.3%

Value ($000) $1,260 (+4.4%) Shares 6,506 (+1.2%) Est. Cost $126.05 Unrealized —

XLF STATE STREET FINANCIAL SELECT SECTOR SPDR 0.3%

Value ($000) $1,247 (+4.4%) Shares 22,761 (+2.6%) Est. Cost $39.49 Unrealized —

SPAB STATE STREET SPDR PORTFOLIO AGGREGATE BOND 0.3%

Value ($000) $1,272 (+4.1%) Shares 49,402 (+4.5%) Est. Cost $25.59 Unrealized —

XLY STATE STREET CONSUMER DISCRETIONARY SELECT SECTOR SPDR 0.3%

Value ($000) $1,186 (+3.9%) Shares 9,929 (+108.5%) Est. Cost $151.90 Unrealized —

XLB STATE STREET MATERIALS SELECT SECTOR SPDR 0.2%

Value ($000) $1,097 (-3.6%) Shares 24,190 (+90.5%) Est. Cost $68.59 Unrealized —

TSLA TESLA INC 0.1%

Value ($000) $364 (+12.4%) Shares 809 (+11.1%) Est. Cost $356.49 Unrealized +24.3%

HYS PIMCO 0-5 YEAR HIGH YIELD CORPORATE BOND INDEX EXCHANGE-TRADED FUND 0.8%

Value ($000) $3,479 (+0.9%) Shares 36,692 (+1.9%) Est. Cost $92.16 Unrealized —

MA MASTERCARD INCORPORATED 0.1%

Value ($000) $386 (+8.4%) Shares 676 (+8.0%) Est. Cost $454.01 Unrealized +23.1%

XLE STATE STREET ENERGY SELECT SECTOR SPDR 0.3%

Value ($000) $1,207 (+1.5%) Shares 26,985 (+102.9%) Est. Cost $66.71 Unrealized —

SPYG STATE STREET SPDR PORTFOLIO S&P 500 GROWTH 0.1%

Value ($000) $291 (+5.5%) Shares 2,726 (+3.3%) Est. Cost $95.69 Unrealized —

NFLX NETFLIX INC 0.4%

Value ($000) $1,914 (+0.5%) Shares 20,416 (+1185.6%) Est. Cost $105.24 Unrealized +2.4%

XLU STATE STREET UTILITIES SELECT SECTOR SPDR 0.3%

Value ($000) $1,342 (+0.3%) Shares 31,427 (+104.8%) Est. Cost $57.55 Unrealized —

XLK STATE STREET TECHNOLOGY SELECT SECTOR SPDR 0.3%

Value ($000) $1,268 (+0.2%) Shares 8,806 (+96.2%) Est. Cost $164.92 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VTI	VANGUARD TOTAL STOCK MARKET	78,730 (+5766.6%)	$26,396 (+5893.3%)	5.9%	$334.65	—	ETF	922908769
PCY	INVESCO EMERGING MARKETS SOVEREIGN DEBT	645,169 (+181.0%)	$13,974 (+182.3%)	3.1%	$21.62	—	ETF	46138E784
GLD	SPDR GOLD SHARES	9,372 (+1344.1%)	$3,714 (+1510.0%)	0.8%	$389.04	—	COM	78463V107
VTWO	VANGUARD RUSSELL 2000	66,157 (+56.3%)	$6,584 (+59.0%)	1.5%	$96.51	—	ETF	92206C664
IVW	ISHARES S&P 500 GROWTH	26,987 (+122.9%)	$3,326 (+127.6%)	0.7%	$122.12	—	ETF	464287309
EWP	ISHARES MSCI SPAIN	41,751 (+172.2%)	$2,251 (+196.5%)	0.5%	$52.29	—	ETF	464286764
SCHR	SCHWAB INTERMEDIATE-TERM US TREASURY	137,820 (+13.2%)	$3,457 (+12.9%)	0.8%	$32.18	—	ETF	808524854
TLH	ISHARES 10-20 YEAR TREASURY BOND	33,494 (+14.5%)	$3,405 (+13.0%)	0.8%	$102.82	—	ETF	464288653
AAPL	APPLE INC	17,083 (+1.6%)	$4,644 (+8.5%)	1.0%	$187.29	+43.3%	COM	037833100
AMZN	AMAZON COM INC	10,675 (+8.5%)	$2,464 (+14.0%)	0.6%	$164.91	+38.7%	COM	023135106
PG	PROCTER AND GAMBLE CO	47,142 (+3.5%)	$6,756 (-3.4%)	1.5%	$132.15	+11.4%	COM	742718109
TIPX	STATE STREET SPDR BLOOMBERG 1-10 YEAR TIPS	55,618 (+24.4%)	$1,061 (+23.1%)	0.2%	$19.25	—	ETF	78468R861
COST	COSTCO WHSL CORP NEW	2,394 (+18.5%)	$2,065 (+10.4%)	0.5%	$710.48	+27.5%	COM	22160K105
META	META PLATFORMS INC	3,440 (+19.5%)	$2,271 (+7.4%)	0.5%	$419.66	+59.0%	CL A	30303M102
MSFT	MICROSOFT CORP	8,123 (+3.0%)	$3,929 (-3.8%)	0.9%	$361.34	+38.5%	COM	594918104
OUNZ	VANECK MERK GOLD	20,838 (+8.8%)	$864 (+21.3%)	0.2%	$30.62	—	ETF	921078101
ADP	AUTOMATIC DATA PROCESSING INC	27,007 (+12.3%)	$6,947 (-1.5%)	1.6%	$220.31	+20.2%	COM	053015103
USHY	ISHARES BROAD USD HIGH YIELD CORPORATE BOND	95,401 (+3.0%)	$3,568 (+2.0%)	0.8%	$35.39	—	ETF	46435U853
XLI	STATE STREET INDUSTRIAL SELECT SECTOR SPDR	7,601 (+5.4%)	$1,179 (+6.0%)	0.3%	$115.17	—	ETF	81369Y704
HYG	ISHARES IBOXX $ HIGH YIELD CORPORATE BOND	44,389 (+2.3%)	$3,579 (+1.6%)	0.8%	$77.96	—	ETF	464288513
VOX	VANGUARD COMMUNICATION SERVICES	6,506 (+1.2%)	$1,260 (+4.4%)	0.3%	$126.05	—	ETF	92204A884
XLF	STATE STREET FINANCIAL SELECT SECTOR SPDR	22,761 (+2.6%)	$1,247 (+4.4%)	0.3%	$39.49	—	ETF	81369Y605
SPAB	STATE STREET SPDR PORTFOLIO AGGREGATE BOND	49,402 (+4.5%)	$1,272 (+4.1%)	0.3%	$25.59	—	ETF	78464A649
XLY	STATE STREET CONSUMER DISCRETIONARY SELECT SECTOR SPDR	9,929 (+108.5%)	$1,186 (+3.9%)	0.3%	$151.90	—	ETF	81369Y407
XLB	STATE STREET MATERIALS SELECT SECTOR SPDR	24,190 (+90.5%)	$1,097 (-3.6%)	0.2%	$68.59	—	ETF	81369Y100
TSLA	TESLA INC	809 (+11.1%)	$364 (+12.4%)	0.1%	$356.49	+24.3%	COM	88160R101
HYS	PIMCO 0-5 YEAR HIGH YIELD CORPORATE BOND INDEX EXCHANGE-TRADED FUND	36,692 (+1.9%)	$3,479 (+0.9%)	0.8%	$92.16	—	COM	72201R783
MA	MASTERCARD INCORPORATED	676 (+8.0%)	$386 (+8.4%)	0.1%	$454.01	+23.1%	CL A	57636Q104
XLE	STATE STREET ENERGY SELECT SECTOR SPDR	26,985 (+102.9%)	$1,207 (+1.5%)	0.3%	$66.71	—	ETF	81369Y506
SPYG	STATE STREET SPDR PORTFOLIO S&P 500 GROWTH	2,726 (+3.3%)	$291 (+5.5%)	0.1%	$95.69	—	ETF	78464A409
NFLX	NETFLIX INC	20,416 (+1185.6%)	$1,914 (+0.5%)	0.4%	$105.24	+2.4%	COM	64110L106
XLU	STATE STREET UTILITIES SELECT SECTOR SPDR	31,427 (+104.8%)	$1,342 (+0.3%)	0.3%	$57.55	—	ETF	81369Y886
XLK	STATE STREET TECHNOLOGY SELECT SECTOR SPDR	8,806 (+96.2%)	$1,268 (+0.2%)	0.3%	$164.92	—	ETF	81369Y803

Exited Positions (17)

FBND FIDELITY TOTAL BOND ETF 4.9%

Value ($000) $21,934 Shares 474,361 Est. Cost $46.24 Unrealized —

CWB SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF 2.3%

Value ($000) $10,225 Shares 112,987 Est. Cost $77.92 Unrealized —

VCSH VANGUARD SHORT-TERM CORPORATE BOND ETF 2.1%

Value ($000) $9,528 Shares 119,209 Est. Cost $79.93 Unrealized —

CTAS CINTAS CORP COM 1.6%

Value ($000) $7,073 Shares 34,458 Est. Cost $199.69 Unrealized -5.8%

ITOT ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF 0.3%

Value ($000) $1,466 Shares 10,068 Est. Cost $145.65 Unrealized —

VOO VANGUARD S&P 500 ETF 0.3%

Value ($000) $1,427 Shares 2,331 Est. Cost $612.38 Unrealized —

IWM ISHARES RUSSELL 2000 ETF 0.3%

Value ($000) $1,348 Shares 5,571 Est. Cost $241.97 Unrealized —

ASHR XTRACKERS HARVEST CSI 300 CHINA A-SHARES ETF 0.2%

Value ($000) $1,098 Shares 33,308 Est. Cost $32.98 Unrealized —

XLP CONSUMER STAPLES SELECT SECTOR SPDR FUND 0.2%

Value ($000) $1,094 Shares 13,957 Est. Cost $77.89 Unrealized —

LIN LINDE PLC SHS 0.2%

Value ($000) $819 Shares 1,724 Est. Cost $409.68 Unrealized +4.3%

IUSV ISHARES CORE S&P US VALUE ETF 0.2%

Value ($000) $777 Shares 7,774 Est. Cost $99.95 Unrealized —

SAP SAP SE SPON ADR 0.2%

Value ($000) $764 Shares 2,859 Est. Cost $159.86 Unrealized —

EWW ISHARES MSCI MEXICO ETF 0.1%

Value ($000) $533 Shares 7,807 Est. Cost $68.21 Unrealized —

— NUVEEN FLOATING RATE INCOME FD COM 0.1%

Value ($000) $276 Shares 33,719 Est. Cost $8.62 Unrealized —

QQQU DIREXION DAILY MAGNIFICENT 7 BULL 2X SHARES 0.1%

Value ($000) $275 Shares 4,674 Est. Cost $43.41 Unrealized —

TUR ISHARES MSCI TURKEY ETF 0.1%

Value ($000) $234 Shares 6,835 Est. Cost $34.23 Unrealized —

JPM JPMORGAN CHASE & CO. COM 0.0%

Value ($000) $219 Shares 694 Est. Cost $295.93 Unrealized +4.6%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
FBND	FIDELITY TOTAL BOND ETF	474,361	$21,934	4.9%	$46.24	—	—	316188309
CWB	SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF	112,987	$10,225	2.3%	$77.92	—	—	78464A359
VCSH	VANGUARD SHORT-TERM CORPORATE BOND ETF	119,209	$9,528	2.1%	$79.93	—	—	92206C409
CTAS	CINTAS CORP COM	34,458	$7,073	1.6%	$199.69	-5.8%	—	172908105
ITOT	ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	10,068	$1,466	0.3%	$145.65	—	—	464287150
VOO	VANGUARD S&P 500 ETF	2,331	$1,427	0.3%	$612.38	—	—	922908363
IWM	ISHARES RUSSELL 2000 ETF	5,571	$1,348	0.3%	$241.97	—	—	464287655
ASHR	XTRACKERS HARVEST CSI 300 CHINA A-SHARES ETF	33,308	$1,098	0.2%	$32.98	—	—	233051879
XLP	CONSUMER STAPLES SELECT SECTOR SPDR FUND	13,957	$1,094	0.2%	$77.89	—	—	81369Y308
LIN	LINDE PLC SHS	1,724	$819	0.2%	$409.68	+4.3%	—	G54950103
IUSV	ISHARES CORE S&P US VALUE ETF	7,774	$777	0.2%	$99.95	—	—	464287663
SAP	SAP SE SPON ADR	2,859	$764	0.2%	$159.86	—	—	803054204
EWW	ISHARES MSCI MEXICO ETF	7,807	$533	0.1%	$68.21	—	—	464286822
—	NUVEEN FLOATING RATE INCOME FD COM	33,719	$276	0.1%	$8.62	—	—	67072T108
QQQU	DIREXION DAILY MAGNIFICENT 7 BULL 2X SHARES	4,674	$275	0.1%	$43.41	—	—	25461A650
TUR	ISHARES MSCI TURKEY ETF	6,835	$234	0.1%	$34.23	—	—	464286715
JPM	JPMORGAN CHASE & CO. COM	694	$219	0.0%	$295.93	+4.6%	—	46625H100

Decreased Positions (44)

BCI ABRDN BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE 3.9%

Value ($000) $17,327 (-16.1%) Shares 887,215 (-7.5%) Est. Cost $21.54 Unrealized —

GBIL ACCESS TREASURY 0-1 YEAR 0.8%

Value ($000) $3,746 (-42.7%) Shares 37,478 (-42.5%) Est. Cost $100.11 Unrealized —

AGG ISHARES CORE U.S. AGGREGATE BOND 2.6%

Value ($000) $11,513 (-17.0%) Shares 115,271 (-16.7%) Est. Cost $101.27 Unrealized —

NOBL PROSHARES S&P 500 DIVIDEND ARISTOCRATS 2.1%

Value ($000) $9,228 (-17.9%) Shares 88,673 (-18.7%) Est. Cost $91.87 Unrealized —

BND VANGUARD TOTAL BOND MARKET 1.4%

Value ($000) $6,163 (-22.1%) Shares 83,205 (-21.8%) Est. Cost $73.63 Unrealized —

USRT ISHARES CORE U.S. REIT 4.2%

Value ($000) $18,701 (-8.4%) Shares 328,323 (-5.5%) Est. Cost $58.72 Unrealized —

EFA ISHARES MSCI EAFE 4.7%

Value ($000) $20,802 (-6.3%) Shares 216,618 (-8.8%) Est. Cost $81.78 Unrealized —

IEF ISHARES 7-10 YEAR TREASURY BOND 4.2%

Value ($000) $18,855 (-6.5%) Shares 196,079 (-6.2%) Est. Cost $94.65 Unrealized —

SPY SPDR S&P 500 ETF TRUST 4.7%

Value ($000) $20,729 (-5.5%) Shares 30,398 (-7.7%) Est. Cost $430.04 Unrealized —

TIP ISHARES TIPS BOND 1.1%

Value ($000) $4,739 (-18.3%) Shares 43,113 (-17.4%) Est. Cost $111.78 Unrealized —

CAT CATERPILLAR INC 1.7%

Value ($000) $7,698 (-11.7%) Shares 13,438 (-26.5%) Est. Cost $320.58 Unrealized +73.3%

ABBV ABBVIE INC 1.8%

Value ($000) $8,127 (-9.9%) Shares 35,570 (-8.7%) Est. Cost $114.05 Unrealized +99.5%

ABT ABBOTT LABS 1.7%

Value ($000) $7,374 (-8.3%) Shares 58,857 (-2.0%) Est. Cost $108.24 Unrealized +17.6%

GD GENERAL DYNAMICS CORP 1.7%

Value ($000) $7,616 (-6.6%) Shares 22,621 (-5.4%) Est. Cost $313.76 Unrealized +8.6%

QQQ POWERSHARES QQQ TRUST SERIES 1 0.1%

Value ($000) $405 (-55.7%) Shares 659 (-56.7%) Est. Cost $529.19 Unrealized —

LOW LOWES COS INC 1.6%

Value ($000) $7,231 (-6.3%) Shares 29,984 (-2.4%) Est. Cost $181.55 Unrealized +32.1%

CVX CHEVRON CORP NEW 1.6%

Value ($000) $7,329 (-4.8%) Shares 48,089 (-3.0%) Est. Cost $111.49 Unrealized +35.8%

IAU ISHARES GOLD TRUST 0.9%

Value ($000) $4,058 (+9.5%) Shares 49,993 (-1.8%) Est. Cost $37.94 Unrealized —

IBM INTERNATIONAL BUSINESS MACHS 1.9%

Value ($000) $8,461 (-3.8%) Shares 28,563 (-8.4%) Est. Cost $116.67 Unrealized +156.1%

MDT MEDTRONIC PLC 1.7%

Value ($000) $7,520 (-4.0%) Shares 78,287 (-4.8%) Est. Cost $89.88 Unrealized +8.1%

XOM EXXON MOBIL CORP 1.7%

Value ($000) $7,634 (+3.0%) Shares 63,433 (-3.5%) Est. Cost $66.22 Unrealized +74.4%

NVDA NVIDIA CORPORATION 1.5%

Value ($000) $6,515 (-2.9%) Shares 34,933 (-2.9%) Est. Cost $95.20 Unrealized +95.5%

SGOL ABRDN PHYSICAL GOLD SHARES 0.4%

Value ($000) $1,618 (-9.3%) Shares 39,384 (-18.8%) Est. Cost $25.67 Unrealized —

KO COCA COLA CO 1.7%

Value ($000) $7,361 (+2.3%) Shares 105,298 (-2.9%) Est. Cost $50.61 Unrealized +37.1%

AVGO BROADCOM INC 0.5%

Value ($000) $2,270 (-6.6%) Shares 6,559 (-11.0%) Est. Cost $162.58 Unrealized +119.6%

STIP ISHARES 0-5 YEAR TIPS BOND 0.5%

Value ($000) $2,029 (-7.0%) Shares 19,816 (-6.1%) Est. Cost $102.95 Unrealized —

SONY SONY GROUP CORP SPONSORED 0.2%

Value ($000) $731 (-16.0%) Shares 28,547 (-5.5%) Est. Cost $26.46 Unrealized —

VLUE ISHARES MSCI USA VALUE FACTOR 0.5%

Value ($000) $2,310 (+5.4%) Shares 16,897 (-3.6%) Est. Cost $103.78 Unrealized —

MCD MCDONALDS CORP 1.6%

Value ($000) $7,329 (-1.4%) Shares 23,979 (-2.0%) Est. Cost $221.26 Unrealized +37.9%

ALLE ALLEGION PLC 0.2%

Value ($000) $722 (-12.7%) Shares 4,537 (-2.7%) Est. Cost $165.14 Unrealized +0.9%

JNJ JOHNSON & JOHNSON 1.9%

Value ($000) $8,244 (-1.2%) Shares 39,835 (-11.5%) Est. Cost $146.87 Unrealized +34.1%

NEE NEXTERA ENERGY INC 1.7%

Value ($000) $7,571 (-1.2%) Shares 94,313 (-7.1%) Est. Cost $66.75 Unrealized +23.6%

BIL STATE STREET SPDR BLOOMBERG 1-3 MONTH T-BILL 0.3%

Value ($000) $1,319 (-5.4%) Shares 14,435 (-5.0%) Est. Cost $91.72 Unrealized —

PEP PEPSICO INC 1.6%

Value ($000) $7,057 (-1.0%) Shares 49,174 (-3.2%) Est. Cost $135.43 Unrealized +7.7%

IYR ISHARES U.S. REAL ESTATE 0.2%

Value ($000) $1,062 (-6.1%) Shares 11,307 (-2.9%) Est. Cost $97.08 Unrealized —

ENB ENBRIDGE INC 0.2%

Value ($000) $795 (-7.1%) Shares 16,631 (-2.0%) Est. Cost $44.16 Unrealized +6.7%

IMO IMPERIAL OIL LTD COM NEW 0.2%

Value ($000) $726 (-7.7%) Shares 8,413 (-3.0%) Est. Cost $85.57 Unrealized +6.0%

GOOG ALPHABET INC CAP STK 0.6%

Value ($000) $2,546 (+2.2%) Shares 8,114 (-20.7%) Est. Cost $142.94 Unrealized +100.3%

ASML ASML HOLDING N V N Y REGISTRY 0.5%

Value ($000) $2,369 (-1.6%) Shares 2,214 (-11.0%) Est. Cost $968.09 Unrealized —

WMT WALMART INC 2.0%

Value ($000) $8,807 (+0.4%) Shares 79,050 (-7.1%) Est. Cost $54.20 Unrealized +97.8%

TEL TE CONNECTIVITY PLC 0.2%

Value ($000) $811 (-2.7%) Shares 3,566 (-6.1%) Est. Cost $200.01 Unrealized +15.6%

BTI BRITISH AMERN TOB PLC SPONSORED 0.2%

Value ($000) $860 (+2.5%) Shares 15,197 (-3.9%) Est. Cost $36.84 Unrealized —

NVS NOVARTIS AG SPONSORED 0.2%

Value ($000) $910 (+2.1%) Shares 6,602 (-5.1%) Est. Cost $102.00 Unrealized —

IVV ISHARES CORE S&P 500 0.1%

Value ($000) $428 (-3.6%) Shares 625 (-5.7%) Est. Cost $573.15 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
BCI	ABRDN BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE	887,215 (-7.5%)	$17,327 (-16.1%)	3.9%	$21.54	—	ETF	003261104
GBIL	ACCESS TREASURY 0-1 YEAR	37,478 (-42.5%)	$3,746 (-42.7%)	0.8%	$100.11	—	ETF	381430529
AGG	ISHARES CORE U.S. AGGREGATE BOND	115,271 (-16.7%)	$11,513 (-17.0%)	2.6%	$101.27	—	ETF	464287226
NOBL	PROSHARES S&P 500 DIVIDEND ARISTOCRATS	88,673 (-18.7%)	$9,228 (-17.9%)	2.1%	$91.87	—	ETF	74348A467
BND	VANGUARD TOTAL BOND MARKET	83,205 (-21.8%)	$6,163 (-22.1%)	1.4%	$73.63	—	ETF	921937835
USRT	ISHARES CORE U.S. REIT	328,323 (-5.5%)	$18,701 (-8.4%)	4.2%	$58.72	—	ETF	464288521
EFA	ISHARES MSCI EAFE	216,618 (-8.8%)	$20,802 (-6.3%)	4.7%	$81.78	—	ETF	464287465
IEF	ISHARES 7-10 YEAR TREASURY BOND	196,079 (-6.2%)	$18,855 (-6.5%)	4.2%	$94.65	—	ETF	464287440
SPY	SPDR S&P 500 ETF TRUST	30,398 (-7.7%)	$20,729 (-5.5%)	4.7%	$430.04	—	COM	78462F103
TIP	ISHARES TIPS BOND	43,113 (-17.4%)	$4,739 (-18.3%)	1.1%	$111.78	—	ETF	464287176
CAT	CATERPILLAR INC	13,438 (-26.5%)	$7,698 (-11.7%)	1.7%	$320.58	+73.3%	COM	149123101
ABBV	ABBVIE INC	35,570 (-8.7%)	$8,127 (-9.9%)	1.8%	$114.05	+99.5%	COM	00287Y109
ABT	ABBOTT LABS	58,857 (-2.0%)	$7,374 (-8.3%)	1.7%	$108.24	+17.6%	COM	002824100
GD	GENERAL DYNAMICS CORP	22,621 (-5.4%)	$7,616 (-6.6%)	1.7%	$313.76	+8.6%	COM	369550108
QQQ	POWERSHARES QQQ TRUST SERIES 1	659 (-56.7%)	$405 (-55.7%)	0.1%	$529.19	—	COM	46090E103
LOW	LOWES COS INC	29,984 (-2.4%)	$7,231 (-6.3%)	1.6%	$181.55	+32.1%	COM	548661107
CVX	CHEVRON CORP NEW	48,089 (-3.0%)	$7,329 (-4.8%)	1.6%	$111.49	+35.8%	COM	166764100
IAU	ISHARES GOLD TRUST	49,993 (-1.8%)	$4,058 (+9.5%)	0.9%	$37.94	—	COM	464285204
IBM	INTERNATIONAL BUSINESS MACHS	28,563 (-8.4%)	$8,461 (-3.8%)	1.9%	$116.67	+156.1%	COM	459200101
MDT	MEDTRONIC PLC	78,287 (-4.8%)	$7,520 (-4.0%)	1.7%	$89.88	+8.1%	SHS	G5960L103
XOM	EXXON MOBIL CORP	63,433 (-3.5%)	$7,634 (+3.0%)	1.7%	$66.22	+74.4%	COM	30231G102
NVDA	NVIDIA CORPORATION	34,933 (-2.9%)	$6,515 (-2.9%)	1.5%	$95.20	+95.5%	COM	67066G104
SGOL	ABRDN PHYSICAL GOLD SHARES	39,384 (-18.8%)	$1,618 (-9.3%)	0.4%	$25.67	—	ETF	00326A104
KO	COCA COLA CO	105,298 (-2.9%)	$7,361 (+2.3%)	1.7%	$50.61	+37.1%	COM	191216100
AVGO	BROADCOM INC	6,559 (-11.0%)	$2,270 (-6.6%)	0.5%	$162.58	+119.6%	COM	11135F101
STIP	ISHARES 0-5 YEAR TIPS BOND	19,816 (-6.1%)	$2,029 (-7.0%)	0.5%	$102.95	—	ETF	46429B747
SONY	SONY GROUP CORP SPONSORED	28,547 (-5.5%)	$731 (-16.0%)	0.2%	$26.46	—	ADR	835699307
VLUE	ISHARES MSCI USA VALUE FACTOR	16,897 (-3.6%)	$2,310 (+5.4%)	0.5%	$103.78	—	ETF	46432F388
MCD	MCDONALDS CORP	23,979 (-2.0%)	$7,329 (-1.4%)	1.6%	$221.26	+37.9%	COM	580135101
ALLE	ALLEGION PLC	4,537 (-2.7%)	$722 (-12.7%)	0.2%	$165.14	+0.9%	ORD SHS	G0176J109
JNJ	JOHNSON & JOHNSON	39,835 (-11.5%)	$8,244 (-1.2%)	1.9%	$146.87	+34.1%	COM	478160104
NEE	NEXTERA ENERGY INC	94,313 (-7.1%)	$7,571 (-1.2%)	1.7%	$66.75	+23.6%	COM	65339F101
BIL	STATE STREET SPDR BLOOMBERG 1-3 MONTH T-BILL	14,435 (-5.0%)	$1,319 (-5.4%)	0.3%	$91.72	—	ETF	78468R663
PEP	PEPSICO INC	49,174 (-3.2%)	$7,057 (-1.0%)	1.6%	$135.43	+7.7%	COM	713448108
IYR	ISHARES U.S. REAL ESTATE	11,307 (-2.9%)	$1,062 (-6.1%)	0.2%	$97.08	—	ETF	464287739
ENB	ENBRIDGE INC	16,631 (-2.0%)	$795 (-7.1%)	0.2%	$44.16	+6.7%	COM	29250N105
IMO	IMPERIAL OIL LTD COM NEW	8,413 (-3.0%)	$726 (-7.7%)	0.2%	$85.57	+6.0%	COM	453038408
GOOG	ALPHABET INC CAP STK	8,114 (-20.7%)	$2,546 (+2.2%)	0.6%	$142.94	+100.3%	CL C	02079K107
ASML	ASML HOLDING N V N Y REGISTRY	2,214 (-11.0%)	$2,369 (-1.6%)	0.5%	$968.09	—	SHS	N07059210
WMT	WALMART INC	79,050 (-7.1%)	$8,807 (+0.4%)	2.0%	$54.20	+97.8%	COM	931142103
TEL	TE CONNECTIVITY PLC	3,566 (-6.1%)	$811 (-2.7%)	0.2%	$200.01	+15.6%	ORD SHS	G87052109
BTI	BRITISH AMERN TOB PLC SPONSORED	15,197 (-3.9%)	$860 (+2.5%)	0.2%	$36.84	—	ADR	110448107
NVS	NOVARTIS AG SPONSORED	6,602 (-5.1%)	$910 (+2.1%)	0.2%	$102.00	—	ADR	66987V109
IVV	ISHARES CORE S&P 500	625 (-5.7%)	$428 (-3.6%)	0.1%	$573.15	—	ETF	464287200

Unchanged Positions (10)

SPGI S&P GLOBAL INC 1.7%

Value ($000) $7,670 Shares 14,676 Est. Cost $360.30 Unrealized +37.2%

SHW SHERWIN WILLIAMS CO 1.5%

Value ($000) $6,595 Shares 20,354 Est. Cost $275.56 Unrealized +21.2%

SLF SUN LIFE FINANCIAL INC. 0.2%

Value ($000) $766 Shares 12,280 Est. Cost $60.14 Unrealized +0.5%

BAC BANK AMERICA CORP 0.1%

Value ($000) $474 Shares 8,613 Est. Cost $43.77 Unrealized +20.3%

UNH UNITEDHEALTH GROUP INC 0.1%

Value ($000) $287 Shares 868 Est. Cost $471.56 Unrealized -28.5%

SHEL SHELL PLC SPON 0.1%

Value ($000) $244 Shares 3,318 Est. Cost $71.53 Unrealized —

EMR EMERSON ELEC CO 0.1%

Value ($000) $469 Shares 3,533 Est. Cost $135.48 Unrealized -2.3%

VDE VANGUARD ENERGY 0.1%

Value ($000) $340 Shares 2,704 Est. Cost $84.50 Unrealized —

BSV VANGUARD SHORT-TERM BOND 0.1%

Value ($000) $364 Shares 4,615 Est. Cost $76.32 Unrealized —

SPYI NEOS S&P 500 HIGH INCOME 0.1%

Value ($000) $296 Shares 5,643 Est. Cost $50.32 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
SPGI	S&P GLOBAL INC	14,676	$7,670	1.7%	$360.30	+37.2%	COM	78409V104
SHW	SHERWIN WILLIAMS CO	20,354	$6,595	1.5%	$275.56	+21.2%	COM	824348106
SLF	SUN LIFE FINANCIAL INC.	12,280	$766	0.2%	$60.14	+0.5%	COM	866796105
BAC	BANK AMERICA CORP	8,613	$474	0.1%	$43.77	+20.3%	COM	060505104
UNH	UNITEDHEALTH GROUP INC	868	$287	0.1%	$471.56	-28.5%	COM	91324P102
SHEL	SHELL PLC SPON	3,318	$244	0.1%	$71.53	—	ADS	780259305
EMR	EMERSON ELEC CO	3,533	$469	0.1%	$135.48	-2.3%	COM	291011104
VDE	VANGUARD ENERGY	2,704	$340	0.1%	$84.50	—	ETF	92204A306
BSV	VANGUARD SHORT-TERM BOND	4,615	$364	0.1%	$76.32	—	ETF	921937827
SPYI	NEOS S&P 500 HIGH INCOME	5,643	$296	0.1%	$50.32	—	ETF	78433H303