Single Point Partners, LLC Diversified Active

CIK: 0001801184 · Show all filings

Period: Q4 2025 (← Previous)

Filing Date: Jan 26, 2026

Total Value ($000): $505,762 (100.0% shares, 0.0% debt)

Holdings (87)

New Positions (5)

XHLF BONDBLOXX ETF TRUST 0.2%

Value ($000) $822 Shares 16,350 Est. Cost $50.25 Unrealized —

JNJ JOHNSON & JOHNSON 0.1%

Value ($000) $262 Shares 1,264 Est. Cost $197.01 Unrealized 0.0%

LLY ELI LILLY & CO 0.0%

Value ($000) $221 Shares 206 Est. Cost $955.55 Unrealized 0.0%

DHR DANAHER CORPORATION 0.0%

Value ($000) $209 Shares 915 Est. Cost $219.54 Unrealized 0.0%

ACWX ISHARES TR 0.0%

Value ($000) $84 Shares 10,825 Est. Cost $7.72 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
XHLF	BONDBLOXX ETF TRUST	16,350	$822	0.2%	$50.25	—	BLOOMBERG SIX MN	09789C788
JNJ	JOHNSON & JOHNSON	1,264	$262	0.1%	$197.01	0.0%	COM	478160104
LLY	ELI LILLY & CO	206	$221	0.0%	$955.55	0.0%	COM	532457108
DHR	DANAHER CORPORATION	915	$209	0.0%	$219.54	0.0%	COM	235851102
ACWX	ISHARES TR	10,825	$84	0.0%	$7.72	—	MSCI ACWI EX US	464288240

Increased Positions (16)

AGG ISHARES TR 8.8%

Value ($000) $44,578 (+8.8%) Shares 466,883 (+10.5%) Est. Cost $10.92 Unrealized —

IJH ISHARES TR 9.3%

Value ($000) $46,862 (+2.1%) Shares 710,034 (+1.0%) Est. Cost $1.89 Unrealized —

IEFA ISHARES TR 3.8%

Value ($000) $19,384 (+5.3%) Shares 216,676 (+2.8%) Est. Cost $41.71 Unrealized —

MUB ISHARES TR 2.7%

Value ($000) $13,874 (+6.1%) Shares 129,531 (+5.4%) Est. Cost $5.63 Unrealized —

FLOT ISHARES TR 1.7%

Value ($000) $8,541 (+6.3%) Shares 167,925 (+6.8%) Est. Cost $38.45 Unrealized —

USHY ISHARES TR 1.3%

Value ($000) $6,742 (+4.7%) Shares 180,299 (+5.8%) Est. Cost $4.24 Unrealized —

IWM ISHARES TR 1.4%

Value ($000) $7,271 (+3.5%) Shares 29,539 (+1.7%) Est. Cost $6.75 Unrealized —

IXUS ISHARES TR 0.6%

Value ($000) $2,921 (+5.5%) Shares 34,512 (+2.9%) Est. Cost $38.92 Unrealized —

VTES VANGUARD WELLINGTON FD 0.3%

Value ($000) $1,477 (+4.8%) Shares 14,537 (+5.1%) Est. Cost $5.06 Unrealized —

AMZN AMAZON COM INC 0.2%

Value ($000) $878 (+6.7%) Shares 3,804 (+1.5%) Est. Cost $141.90 Unrealized +61.2%

SCHM SCHWAB STRATEGIC TR 0.2%

Value ($000) $1,217 (+3.9%) Shares 40,467 (+2.4%) Est. Cost $0.73 Unrealized —

C CITIGROUP INC 0.1%

Value ($000) $257 (+20.6%) Shares 2,200 (+4.9%) Est. Cost $94.56 Unrealized +9.6%

BRK/B BERKSHIRE HATHAWAY INC DEL 0.1%

Value ($000) $435 (+8.2%) Shares 865 (+8.3%) Est. Cost $405.97 Unrealized +22.6%

ESGU ISHARES TR 0.1%

Value ($000) $427 (+6.1%) Shares 2,863 (+3.7%) Est. Cost $9.37 Unrealized —

AVGO BROADCOM INC 0.0%

Value ($000) $241 (+6.1%) Shares 698 (+1.2%) Est. Cost $217.54 Unrealized +64.1%

SMMD ISHARES TR 0.0%

Value ($000) $18 (+43.8%) Shares 17,892 (+43.8%) Est. Cost $0.31 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
AGG	ISHARES TR	466,883 (+10.5%)	$44,578 (+8.8%)	8.8%	$10.92	—	CORE US AGGBD ET	464287226
IJH	ISHARES TR	710,034 (+1.0%)	$46,862 (+2.1%)	9.3%	$1.89	—	CORE S&P MCP ETF	464287507
IEFA	ISHARES TR	216,676 (+2.8%)	$19,384 (+5.3%)	3.8%	$41.71	—	CORE MSCI EAFE	46432F842
MUB	ISHARES TR	129,531 (+5.4%)	$13,874 (+6.1%)	2.7%	$5.63	—	NATIONAL MUN ETF	464288414
FLOT	ISHARES TR	167,925 (+6.8%)	$8,541 (+6.3%)	1.7%	$38.45	—	FLTG RATE NT ETF	46429B655
USHY	ISHARES TR	180,299 (+5.8%)	$6,742 (+4.7%)	1.3%	$4.24	—	BROAD USD HIGH	46435U853
IWM	ISHARES TR	29,539 (+1.7%)	$7,271 (+3.5%)	1.4%	$6.75	—	RUSSELL 2000 ETF	464287655
IXUS	ISHARES TR	34,512 (+2.9%)	$2,921 (+5.5%)	0.6%	$38.92	—	CORE MSCI TOTAL	46432F834
VTES	VANGUARD WELLINGTON FD	14,537 (+5.1%)	$1,477 (+4.8%)	0.3%	$5.06	—	SHORT TRM TAX EX	921935870
AMZN	AMAZON COM INC	3,804 (+1.5%)	$878 (+6.7%)	0.2%	$141.90	+61.2%	COM	023135106
SCHM	SCHWAB STRATEGIC TR	40,467 (+2.4%)	$1,217 (+3.9%)	0.2%	$0.73	—	US MID-CAP ETF	808524508
C	CITIGROUP INC	2,200 (+4.9%)	$257 (+20.6%)	0.1%	$94.56	+9.6%	COM NEW	172967424
BRK/B	BERKSHIRE HATHAWAY INC DEL	865 (+8.3%)	$435 (+8.2%)	0.1%	$405.97	+22.6%	CL B NEW	084670702
ESGU	ISHARES TR	2,863 (+3.7%)	$427 (+6.1%)	0.1%	$9.37	—	ESG AWR MSCI USA	46435G425
AVGO	BROADCOM INC	698 (+1.2%)	$241 (+6.1%)	0.0%	$217.54	+64.1%	COM	11135F101
SMMD	ISHARES TR	17,892 (+43.8%)	$18 (+43.8%)	0.0%	$0.31	—	RUSEL 2500 ETF	46435G268

Exited Positions (7)

COST COSTCO WHSL CORP NEW 0.1%

Value ($000) $288 Shares 311 Est. Cost $726.25 Unrealized +24.7%

BX BLACKSTONE INC 0.0%

Value ($000) $253 Shares 1,480 Est. Cost $135.11 Unrealized +12.1%

HON HONEYWELL INTL INC 0.0%

Value ($000) $222 Shares 1,055 Est. Cost $203.51 Unrealized -4.2%

T AT&T INC 0.0%

Value ($000) $214 Shares 7,587 Est. Cost $24.35 Unrealized +3.8%

SCZ ISHARES TR 0.0%

Value ($000) $211 Shares 2,753 Est. Cost $0.06 Unrealized —

QUAL ISHARES TR 0.0%

Value ($000) $205 Shares 1,052 Est. Cost $0.18 Unrealized —

ILPT INDUSTRIAL LOGISTICS PPTYS T 0.0%

Value ($000) $90 Shares 15,500 Est. Cost $1.88 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
COST	COSTCO WHSL CORP NEW	311	$288	0.1%	$726.25	+24.7%	—	22160K105
BX	BLACKSTONE INC	1,480	$253	0.0%	$135.11	+12.1%	—	09260D107
HON	HONEYWELL INTL INC	1,055	$222	0.0%	$203.51	-4.2%	—	438516106
T	AT&T INC	7,587	$214	0.0%	$24.35	+3.8%	—	00206R102
SCZ	ISHARES TR	2,753	$211	0.0%	$0.06	—	—	464288273
QUAL	ISHARES TR	1,052	$205	0.0%	$0.18	—	—	46432F339
ILPT	INDUSTRIAL LOGISTICS PPTYS T	15,500	$90	0.0%	$1.88	—	—	456237106

Decreased Positions (26)

MSFT MICROSOFT CORP 0.3%

Value ($000) $1,465 (-12.0%) Shares 3,029 (-5.7%) Est. Cost $419.10 Unrealized +19.4%

GOOGL ALPHABET INC 0.3%

Value ($000) $1,368 (+16.9%) Shares 4,372 (-9.2%) Est. Cost $114.57 Unrealized +149.3%

AAPL APPLE INC 0.9%

Value ($000) $4,500 (+4.2%) Shares 16,552 (-2.4%) Est. Cost $185.59 Unrealized +44.6%

IWB ISHARES TR 4.2%

Value ($000) $21,395 (+0.8%) Shares 57,292 (-1.3%) Est. Cost $0.32 Unrealized —

GBIL GOLDMAN SACHS ETF TR 0.1%

Value ($000) $686 (-13.9%) Shares 6,861 (-13.7%) Est. Cost $0.10 Unrealized —

ACN ACCENTURE PLC IRELAND 0.2%

Value ($000) $1,038 (-9.1%) Shares 3,868 (-16.5%) Est. Cost $351.66 Unrealized -27.8%

VWO VANGUARD INTL EQUITY INDEX F 0.5%

Value ($000) $2,627 (-3.3%) Shares 48,872 (-2.5%) Est. Cost $0.04 Unrealized —

BAC BANK AMERICA CORP 0.3%

Value ($000) $1,452 (+5.3%) Shares 26,392 (-1.2%) Est. Cost $39.73 Unrealized +32.6%

META META PLATFORMS INC 0.1%

Value ($000) $452 (-13.4%) Shares 684 (-3.8%) Est. Cost $211.33 Unrealized +215.8%

MDY SPDR S&P MIDCAP 400 ETF TR 0.1%

Value ($000) $682 (-8.3%) Shares 1,131 (-9.4%) Est. Cost $330.52 Unrealized —

IWF ISHARES TR 0.2%

Value ($000) $1,001 (-5.6%) Shares 2,116 (-6.5%) Est. Cost $0.39 Unrealized —

GOOG ALPHABET INC 0.3%

Value ($000) $1,471 (+4.1%) Shares 162,550 (-34.1%) Est. Cost $181.52 Unrealized +57.7%

SHY ISHARES TR 0.5%

Value ($000) $2,709 (-2.1%) Shares 32,714 (-1.9%) Est. Cost $0.08 Unrealized —

IWD ISHARES TR 0.1%

Value ($000) $322 (-13.1%) Shares 1,530 (-15.9%) Est. Cost $0.19 Unrealized —

SCHC SCHWAB STRATEGIC TR 0.1%

Value ($000) $271 (-11.8%) Shares 5,947 (-11.9%) Est. Cost $0.03 Unrealized —

VSS VANGUARD INTL EQUITY INDEX F 0.0%

Value ($000) $222 (-10.6%) Shares 1,548 (-11.1%) Est. Cost $0.11 Unrealized —

V VISA INC 0.1%

Value ($000) $278 (-6.0%) Shares 793 (-8.5%) Est. Cost $308.03 Unrealized +10.5%

TJX TJX COS INC NEW 0.1%

Value ($000) $317 (-3.5%) Shares 2,065 (-9.2%) Est. Cost $118.36 Unrealized +24.8%

QQQ INVESCO QQQ TR 0.1%

Value ($000) $388 (-2.2%) Shares 631 (-4.4%) Est. Cost $0.47 Unrealized —

JPM JPMORGAN CHASE & CO. 0.3%

Value ($000) $1,325 (+0.7%) Shares 4,111 (-1.5%) Est. Cost $158.59 Unrealized +95.2%

NVDA NVIDIA CORPORATION 0.1%

Value ($000) $448 (-1.6%) Shares 2,404 (-1.5%) Est. Cost $95.34 Unrealized +95.2%

AEP AMERICAN ELEC PWR CO INC 0.1%

Value ($000) $339 (-2.0%) Shares 2,942 (-4.4%) Est. Cost $74.37 Unrealized +58.3%

IBM INTERNATIONAL BUSINESS MACHS 0.1%

Value ($000) $475 (+1.2%) Shares 1,604 (-3.6%) Est. Cost $216.31 Unrealized +38.1%

SPGI S&P GLOBAL INC 0.0%

Value ($000) $221 (+2.5%) Shares 422 (-4.5%) Est. Cost $392.47 Unrealized +25.9%

RTX RTX CORPORATION 0.1%

Value ($000) $303 (+1.7%) Shares 1,650 (-7.2%) Est. Cost $124.76 Unrealized +38.9%

IVW ISHARES TR 0.2%

Value ($000) $878 (-0.4%) Shares 7,121 (-2.4%) Est. Cost $0.10 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
MSFT	MICROSOFT CORP	3,029 (-5.7%)	$1,465 (-12.0%)	0.3%	$419.10	+19.4%	COM	594918104
GOOGL	ALPHABET INC	4,372 (-9.2%)	$1,368 (+16.9%)	0.3%	$114.57	+149.3%	CAP STK CL A	02079K305
AAPL	APPLE INC	16,552 (-2.4%)	$4,500 (+4.2%)	0.9%	$185.59	+44.6%	COM	037833100
IWB	ISHARES TR	57,292 (-1.3%)	$21,395 (+0.8%)	4.2%	$0.32	—	RUS 1000 ETF	464287622
GBIL	GOLDMAN SACHS ETF TR	6,861 (-13.7%)	$686 (-13.9%)	0.1%	$0.10	—	ACCES TREASURY	381430529
ACN	ACCENTURE PLC IRELAND	3,868 (-16.5%)	$1,038 (-9.1%)	0.2%	$351.66	-27.8%	SHS CLASS A	G1151C101
VWO	VANGUARD INTL EQUITY INDEX F	48,872 (-2.5%)	$2,627 (-3.3%)	0.5%	$0.04	—	FTSE EMR MKT ETF	922042858
BAC	BANK AMERICA CORP	26,392 (-1.2%)	$1,452 (+5.3%)	0.3%	$39.73	+32.6%	COM	060505104
META	META PLATFORMS INC	684 (-3.8%)	$452 (-13.4%)	0.1%	$211.33	+215.8%	CL A	30303M102
MDY	SPDR S&P MIDCAP 400 ETF TR	1,131 (-9.4%)	$682 (-8.3%)	0.1%	$330.52	—	UTSER1 S&PDCRP	78467Y107
IWF	ISHARES TR	2,116 (-6.5%)	$1,001 (-5.6%)	0.2%	$0.39	—	RUS 1000 GRW ETF	464287614
GOOG	ALPHABET INC	162,550 (-34.1%)	$1,471 (+4.1%)	0.3%	$181.52	+57.7%	CAP STK CL C	02079K107
SHY	ISHARES TR	32,714 (-1.9%)	$2,709 (-2.1%)	0.5%	$0.08	—	1 3 YR TREAS BD	464287457
IWD	ISHARES TR	1,530 (-15.9%)	$322 (-13.1%)	0.1%	$0.19	—	RUS 1000 VAL ETF	464287598
SCHC	SCHWAB STRATEGIC TR	5,947 (-11.9%)	$271 (-11.8%)	0.1%	$0.03	—	INTL SCEQT ETF	808524888
VSS	VANGUARD INTL EQUITY INDEX F	1,548 (-11.1%)	$222 (-10.6%)	0.0%	$0.11	—	FTSE SMCAP ETF	922042718
V	VISA INC	793 (-8.5%)	$278 (-6.0%)	0.1%	$308.03	+10.5%	COM CL A	92826C839
TJX	TJX COS INC NEW	2,065 (-9.2%)	$317 (-3.5%)	0.1%	$118.36	+24.8%	COM	872540109
QQQ	INVESCO QQQ TR	631 (-4.4%)	$388 (-2.2%)	0.1%	$0.47	—	UNIT SER 1	46090E103
JPM	JPMORGAN CHASE & CO.	4,111 (-1.5%)	$1,325 (+0.7%)	0.3%	$158.59	+95.2%	COM	46625H100
NVDA	NVIDIA CORPORATION	2,404 (-1.5%)	$448 (-1.6%)	0.1%	$95.34	+95.2%	COM	67066G104
AEP	AMERICAN ELEC PWR CO INC	2,942 (-4.4%)	$339 (-2.0%)	0.1%	$74.37	+58.3%	COM	025537101
IBM	INTERNATIONAL BUSINESS MACHS	1,604 (-3.6%)	$475 (+1.2%)	0.1%	$216.31	+38.1%	COM	459200101
SPGI	S&P GLOBAL INC	422 (-4.5%)	$221 (+2.5%)	0.0%	$392.47	+25.9%	COM	78409V104
RTX	RTX CORPORATION	1,650 (-7.2%)	$303 (+1.7%)	0.1%	$124.76	+38.9%	COM	75513E101
IVW	ISHARES TR	7,121 (-2.4%)	$878 (-0.4%)	0.2%	$0.10	—	S&P 500 GRWT ETF	464287309

Unchanged Positions (40)

IVV ISHARES TR 30.1%

Value ($000) $151,995 Shares 221,909 Est. Cost $8.92 Unrealized —

VO VANGUARD INDEX FDS 3.7%

Value ($000) $18,469 Shares 63,636 Est. Cost $0.27 Unrealized —

IJR ISHARES TR 5.8%

Value ($000) $29,168 Shares 242,702 Est. Cost $1.72 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 1.1%

Value ($000) $5,712 Shares 91,439 Est. Cost $0.05 Unrealized —

IEMG ISHARES INC 2.1%

Value ($000) $10,583 Shares 157,436 Est. Cost $51.89 Unrealized —

VTEB VANGUARD MUN BD FDS 3.1%

Value ($000) $15,786 Shares 313,898 Est. Cost $1.08 Unrealized —

ITOT ISHARES TR 2.2%

Value ($000) $11,309 Shares 76,056 Est. Cost $0.13 Unrealized —

VB VANGUARD INDEX FDS 2.0%

Value ($000) $10,134 Shares 39,285 Est. Cost $2.78 Unrealized —

VOO VANGUARD INDEX FDS 1.2%

Value ($000) $6,312 Shares 10,064 Est. Cost $23.22 Unrealized —

GLD SPDR GOLD TR 0.2%

Value ($000) $1,070 Shares 2,700 Est. Cost $0.25 Unrealized —

SPY SPDR S&P 500 ETF TR 1.0%

Value ($000) $5,093 Shares 7,469 Est. Cost $93.67 Unrealized —

VTI VANGUARD INDEX FDS 0.9%

Value ($000) $4,638 Shares 13,834 Est. Cost $0.29 Unrealized —

IWV ISHARES TR 0.8%

Value ($000) $4,133 Shares 10,683 Est. Cost $0.34 Unrealized —

HD HOME DEPOT INC 0.1%

Value ($000) $427 Shares 1,240 Est. Cost $396.51 Unrealized -8.1%

SUB ISHARES TR 1.3%

Value ($000) $6,553 Shares 61,419 Est. Cost $13.34 Unrealized —

SCHF SCHWAB STRATEGIC TR 0.2%

Value ($000) $772 Shares 32,105 Est. Cost $0.02 Unrealized —

BKLC BNY MELLON ETF TRUST 0.2%

Value ($000) $1,192 Shares 9,084 Est. Cost $0.12 Unrealized —

AXP AMERICAN EXPRESS CO 0.0%

Value ($000) $242 Shares 654 Est. Cost $279.37 Unrealized +27.8%

EFIV SPDR SERIES TRUST 0.1%

Value ($000) $544 Shares 8,217 Est. Cost $35.40 Unrealized —

VYM VANGUARD WHITEHALL FDS 0.2%

Value ($000) $849 Shares 5,919 Est. Cost $2.64 Unrealized —

VZ VERIZON COMMUNICATIONS INC 0.0%

Value ($000) $203 Shares 4,987 Est. Cost $39.62 Unrealized +2.2%

SCHX SCHWAB STRATEGIC TR 0.2%

Value ($000) $782 Shares 29,072 Est. Cost $0.02 Unrealized —

VEU VANGUARD INTL EQUITY INDEX F 0.1%

Value ($000) $545 Shares 7,413 Est. Cost $0.06 Unrealized —

VUG VANGUARD INDEX FDS 0.2%

Value ($000) $889 Shares 1,822 Est. Cost $0.41 Unrealized —

LOW LOWES COS INC 0.1%

Value ($000) $304 Shares 1,261 Est. Cost $242.06 Unrealized -0.9%

PEG PUBLIC SVC ENTERPRISE GRP IN 0.1%

Value ($000) $293 Shares 3,645 Est. Cost $85.29 Unrealized -4.9%

DFAC DIMENSIONAL ETF TRUST 0.1%

Value ($000) $445 Shares 11,233 Est. Cost $0.02 Unrealized —

KO COCA COLA CO 0.0%

Value ($000) $216 Shares 3,091 Est. Cost $64.97 Unrealized +6.8%

PLTR PALANTIR TECHNOLOGIES INC 0.1%

Value ($000) $348 Shares 1,956 Est. Cost $119.11 Unrealized +52.0%

BND VANGUARD BD INDEX FDS 0.7%

Value ($000) $3,553 Shares 47,965 Est. Cost $35.42 Unrealized —

IVE ISHARES TR 0.1%

Value ($000) $275 Shares 1,299 Est. Cost $0.19 Unrealized —

SPHQ INVESCO EXCHANGE TRADED FD T 0.1%

Value ($000) $269 Shares 3,580 Est. Cost $2.13 Unrealized —

TIP ISHARES TR 0.1%

Value ($000) $571 Shares 5,194 Est. Cost $0.11 Unrealized —

PEP PEPSICO INC 0.0%

Value ($000) $236 Shares 1,647 Est. Cost $153.32 Unrealized -4.8%

EBC EASTERN BANKSHARES INC 0.1%

Value ($000) $255 Shares 13,845 Est. Cost $17.53 Unrealized +4.0%

SPEM SPDR INDEX SHS FDS 0.8%

Value ($000) $4,005 Shares 85,569 Est. Cost $19.69 Unrealized —

HYG ISHARES TR 0.1%

Value ($000) $678 Shares 8,415 Est. Cost $0.08 Unrealized —

ABBV ABBVIE INC 0.0%

Value ($000) $208 Shares 912 Est. Cost $201.95 Unrealized +12.7%

VXF VANGUARD INDEX FDS 0.6%

Value ($000) $2,924 Shares 13,984 Est. Cost $0.19 Unrealized —

JNK SPDR SERIES TRUST 0.1%

Value ($000) $430 Shares 4,422 Est. Cost $61.24 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES TR	221,909	$151,995	30.1%	$8.92	—	CORE S&P500 ETF	464287200
VO	VANGUARD INDEX FDS	63,636	$18,469	3.7%	$0.27	—	MID CAP ETF	922908629
IJR	ISHARES TR	242,702	$29,168	5.8%	$1.72	—	CORE S&P SCP ETF	464287804
VEA	VANGUARD TAX-MANAGED FDS	91,439	$5,712	1.1%	$0.05	—	VAN FTSE DEV MKT	921943858
IEMG	ISHARES INC	157,436	$10,583	2.1%	$51.89	—	CORE MSCI EMKT	46434G103
VTEB	VANGUARD MUN BD FDS	313,898	$15,786	3.1%	$1.08	—	TAX EXEMPT BD	922907746
ITOT	ISHARES TR	76,056	$11,309	2.2%	$0.13	—	CORE S&P TTL STK	464287150
VB	VANGUARD INDEX FDS	39,285	$10,134	2.0%	$2.78	—	SMALL CP ETF	922908751
VOO	VANGUARD INDEX FDS	10,064	$6,312	1.2%	$23.22	—	S&P 500 ETF SHS	922908363
GLD	SPDR GOLD TR	2,700	$1,070	0.2%	$0.25	—	GOLD SHS	78463V107
SPY	SPDR S&P 500 ETF TR	7,469	$5,093	1.0%	$93.67	—	TR UNIT	78462F103
VTI	VANGUARD INDEX FDS	13,834	$4,638	0.9%	$0.29	—	TOTAL STK MKT	922908769
IWV	ISHARES TR	10,683	$4,133	0.8%	$0.34	—	RUSSELL 3000 ETF	464287689
HD	HOME DEPOT INC	1,240	$427	0.1%	$396.51	-8.1%	COM	437076102
SUB	ISHARES TR	61,419	$6,553	1.3%	$13.34	—	SHRT NAT MUN ETF	464288158
SCHF	SCHWAB STRATEGIC TR	32,105	$772	0.2%	$0.02	—	INTL EQTY ETF	808524805
BKLC	BNY MELLON ETF TRUST	9,084	$1,192	0.2%	$0.12	—	US LRG CP CORE	09661T107
AXP	AMERICAN EXPRESS CO	654	$242	0.0%	$279.37	+27.8%	COM	025816109
EFIV	SPDR SERIES TRUST	8,217	$544	0.1%	$35.40	—	STATE STREET SPD	78468R531
VYM	VANGUARD WHITEHALL FDS	5,919	$849	0.2%	$2.64	—	HIGH DIV YLD	921946406
VZ	VERIZON COMMUNICATIONS INC	4,987	$203	0.0%	$39.62	+2.2%	COM	92343V104
SCHX	SCHWAB STRATEGIC TR	29,072	$782	0.2%	$0.02	—	US LRG CAP ETF	808524201
VEU	VANGUARD INTL EQUITY INDEX F	7,413	$545	0.1%	$0.06	—	ALLWRLD EX US	922042775
VUG	VANGUARD INDEX FDS	1,822	$889	0.2%	$0.41	—	GROWTH ETF	922908736
LOW	LOWES COS INC	1,261	$304	0.1%	$242.06	-0.9%	COM	548661107
PEG	PUBLIC SVC ENTERPRISE GRP IN	3,645	$293	0.1%	$85.29	-4.9%	COM	744573106
DFAC	DIMENSIONAL ETF TRUST	11,233	$445	0.1%	$0.02	—	US CORE EQUITY 2	25434V708
KO	COCA COLA CO	3,091	$216	0.0%	$64.97	+6.8%	COM	191216100
PLTR	PALANTIR TECHNOLOGIES INC	1,956	$348	0.1%	$119.11	+52.0%	CL A	69608A108
BND	VANGUARD BD INDEX FDS	47,965	$3,553	0.7%	$35.42	—	TOTAL BND MRKT	921937835
IVE	ISHARES TR	1,299	$275	0.1%	$0.19	—	S&P 500 VAL ETF	464287408
SPHQ	INVESCO EXCHANGE TRADED FD T	3,580	$269	0.1%	$2.13	—	S&P500 QUALITY	46137V241
TIP	ISHARES TR	5,194	$571	0.1%	$0.11	—	TIPS BD ETF	464287176
PEP	PEPSICO INC	1,647	$236	0.0%	$153.32	-4.8%	COM	713448108
EBC	EASTERN BANKSHARES INC	13,845	$255	0.1%	$17.53	+4.0%	COM	27627N105
SPEM	SPDR INDEX SHS FDS	85,569	$4,005	0.8%	$19.69	—	PORTFOLIO EMG MK	78463X509
HYG	ISHARES TR	8,415	$678	0.1%	$0.08	—	IBOXX HI YD ETF	464288513
ABBV	ABBVIE INC	912	$208	0.0%	$201.95	+12.7%	COM	00287Y109
VXF	VANGUARD INDEX FDS	13,984	$2,924	0.6%	$0.19	—	EXTEND MKT ETF	922908652
JNK	SPDR SERIES TRUST	4,422	$430	0.1%	$61.24	—	STATE STREET SPD	78468R622