Sterling Financial Planning, Inc. Diversified Active

CIK: 0001844278 · Show all filings

Period: Q4 2025 (← Previous)

Filing Date: Jan 27, 2026

Total Value ($000): $331,810 (100.0% shares, 0.0% debt)

Holdings (120)

New Positions (5)

LRCX LAM RESEARCH CORP 0.1%

Value ($000) $246 Shares 1,435 Est. Cost $155.36 Unrealized 0.0%

VOO VANGUARD INDEX FDS 0.1%

Value ($000) $213 Shares 339 Est. Cost $627.10 Unrealized —

CAT CATERPILLAR INC 0.1%

Value ($000) $213 Shares 371 Est. Cost $555.50 Unrealized 0.0%

RCL ROYAL CARIBBEAN GROUP 0.1%

Value ($000) $209 Shares 750 Est. Cost $281.58 Unrealized 0.0%

CSCO CISCO SYS INC 0.1%

Value ($000) $208 Shares 2,705 Est. Cost $73.79 Unrealized 0.0%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
LRCX	LAM RESEARCH CORP	1,435	$246	0.1%	$155.36	0.0%	COM NEW	512807306
VOO	VANGUARD INDEX FDS	339	$213	0.1%	$627.10	—	S&P 500 ETF SHS	922908363
CAT	CATERPILLAR INC	371	$213	0.1%	$555.50	0.0%	COM	149123101
RCL	ROYAL CARIBBEAN GROUP	750	$209	0.1%	$281.58	0.0%	COM	V7780T103
CSCO	CISCO SYS INC	2,705	$208	0.1%	$73.79	0.0%	COM	17275R102

Increased Positions (34)

BIV VANGUARD BD INDEX FDS 3.0%

Value ($000) $10,086 (+17.9%) Shares 129,501 (+18.2%) Est. Cost $76.89 Unrealized —

IJJ ISHARES TR 6.1%

Value ($000) $20,130 (+4.9%) Shares 152,975 (+3.5%) Est. Cost $95.65 Unrealized —

FNDX SCHWAB STRATEGIC TR 3.5%

Value ($000) $11,768 (+5.5%) Shares 432,500 (+2.0%) Est. Cost $31.11 Unrealized —

IJT ISHARES TR 5.5%

Value ($000) $18,188 (+3.5%) Shares 128,848 (+3.8%) Est. Cost $117.05 Unrealized —

DFIP DIMENSIONAL ETF TRUST 1.9%

Value ($000) $6,428 (+9.4%) Shares 154,691 (+11.2%) Est. Cost $41.81 Unrealized —

VYM VANGUARD WHITEHALL FDS 3.4%

Value ($000) $11,345 (+4.9%) Shares 79,046 (+3.0%) Est. Cost $104.18 Unrealized —

IJK ISHARES TR 5.4%

Value ($000) $17,808 (+3.0%) Shares 183,811 (+2.0%) Est. Cost $74.41 Unrealized —

DFSV DIMENSIONAL ETF TRUST 2.8%

Value ($000) $9,429 (+5.7%) Shares 286,687 (+2.3%) Est. Cost $27.13 Unrealized —

VTEB VANGUARD MUN BD FDS 1.1%

Value ($000) $3,726 (+15.2%) Shares 74,097 (+14.7%) Est. Cost $50.48 Unrealized —

XBJA INNOVATOR ETFS TRUST 2.6%

Value ($000) $8,787 (+5.1%) Shares 274,850 (+2.8%) Est. Cost $25.92 Unrealized —

DFEV DIMENSIONAL ETF TRUST 1.8%

Value ($000) $6,072 (+6.9%) Shares 179,951 (+1.1%) Est. Cost $25.18 Unrealized —

VCSH VANGUARD SCOTTSDALE FDS 1.1%

Value ($000) $3,710 (+11.0%) Shares 46,528 (+11.3%) Est. Cost $78.32 Unrealized —

AAPL APPLE INC 1.3%

Value ($000) $4,308 (+8.6%) Shares 15,848 (+1.7%) Est. Cost $130.80 Unrealized +105.1%

CPSY CALAMOS ETF TR 0.1%

Value ($000) $433 (+107.9%) Shares 17,271 (+104.5%) Est. Cost $24.32 Unrealized —

BNDX VANGUARD CHARLOTTE FDS 0.8%

Value ($000) $2,510 (+7.5%) Shares 51,946 (+10.0%) Est. Cost $49.92 Unrealized —

VTIP VANGUARD MALVERN FDS 0.8%

Value ($000) $2,513 (+7.4%) Shares 50,818 (+9.9%) Est. Cost $48.26 Unrealized —

VTES VANGUARD WELLINGTON FD 1.0%

Value ($000) $3,231 (+5.2%) Shares 31,810 (+5.5%) Est. Cost $100.93 Unrealized —

DFGR DIMENSIONAL ETF TRUST 1.7%

Value ($000) $5,796 (+2.7%) Shares 219,379 (+6.2%) Est. Cost $25.50 Unrealized —

BSV VANGUARD BD INDEX FDS 1.3%

Value ($000) $4,150 (+3.6%) Shares 52,664 (+3.7%) Est. Cost $76.85 Unrealized —

GOVT ISHARES TR 1.3%

Value ($000) $4,336 (+3.1%) Shares 188,307 (+3.5%) Est. Cost $23.67 Unrealized —

SPY SPDR S&P 500 ETF TR 0.5%

Value ($000) $1,793 (+7.1%) Shares 2,629 (+4.6%) Est. Cost $393.56 Unrealized —

CSRE COHEN & STEERS ETF TRUST 0.1%

Value ($000) $379 (+21.7%) Shares 14,857 (+24.3%) Est. Cost $25.95 Unrealized —

AMZN AMAZON COM INC 0.2%

Value ($000) $606 (+12.4%) Shares 2,627 (+6.9%) Est. Cost $144.46 Unrealized +58.4%

VBK VANGUARD INDEX FDS 0.8%

Value ($000) $2,495 (+2.7%) Shares 8,259 (+1.2%) Est. Cost $252.15 Unrealized —

VNQ VANGUARD INDEX FDS 0.8%

Value ($000) $2,772 (-2.1%) Shares 31,331 (+1.1%) Est. Cost $87.91 Unrealized —

DFLV DIMENSIONAL ETF TRUST 0.3%

Value ($000) $928 (+5.2%) Shares 27,119 (+1.1%) Est. Cost $30.23 Unrealized —

BND VANGUARD BD INDEX FDS 0.2%

Value ($000) $583 (+7.4%) Shares 7,869 (+7.9%) Est. Cost $72.92 Unrealized —

TIP ISHARES TR 0.5%

Value ($000) $1,634 (+2.0%) Shares 14,867 (+3.2%) Est. Cost $108.38 Unrealized —

DE DEERE & CO 0.1%

Value ($000) $409 (+6.8%) Shares 878 (+4.9%) Est. Cost $253.59 Unrealized +84.4%

IDHQ INVESCO EXCH TRADED FD TR II 0.1%

Value ($000) $288 (+6.1%) Shares 8,188 (+1.6%) Est. Cost $28.91 Unrealized —

DFAR DIMENSIONAL ETF TRUST 0.3%

Value ($000) $1,093 (-1.4%) Shares 47,726 (+2.6%) Est. Cost $21.61 Unrealized —

NVDA NVIDIA CORPORATION 0.1%

Value ($000) $355 (+3.4%) Shares 1,903 (+3.5%) Est. Cost $137.23 Unrealized +35.6%

VOT VANGUARD INDEX FDS 1.0%

Value ($000) $3,153 (+0.1%) Shares 11,295 (+5.3%) Est. Cost $223.44 Unrealized —

VWO VANGUARD INTL EQUITY INDEX F 0.1%

Value ($000) $353 (+0.4%) Shares 6,558 (+1.2%) Est. Cost $49.67 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
BIV	VANGUARD BD INDEX FDS	129,501 (+18.2%)	$10,086 (+17.9%)	3.0%	$76.89	—	INTERMED TERM	921937819
IJJ	ISHARES TR	152,975 (+3.5%)	$20,130 (+4.9%)	6.1%	$95.65	—	S&P MC 400VL ETF	464287705
FNDX	SCHWAB STRATEGIC TR	432,500 (+2.0%)	$11,768 (+5.5%)	3.5%	$31.11	—	FUNDAMENTAL US L	808524771
IJT	ISHARES TR	128,848 (+3.8%)	$18,188 (+3.5%)	5.5%	$117.05	—	S&P SML 600 GWT	464287887
DFIP	DIMENSIONAL ETF TRUST	154,691 (+11.2%)	$6,428 (+9.4%)	1.9%	$41.81	—	INFLATION PROTE	25434V856
VYM	VANGUARD WHITEHALL FDS	79,046 (+3.0%)	$11,345 (+4.9%)	3.4%	$104.18	—	HIGH DIV YLD	921946406
IJK	ISHARES TR	183,811 (+2.0%)	$17,808 (+3.0%)	5.4%	$74.41	—	S&P MC 400GR ETF	464287606
DFSV	DIMENSIONAL ETF TRUST	286,687 (+2.3%)	$9,429 (+5.7%)	2.8%	$27.13	—	US SMALL CAP VAL	25434V815
VTEB	VANGUARD MUN BD FDS	74,097 (+14.7%)	$3,726 (+15.2%)	1.1%	$50.48	—	TAX EXEMPT BD	922907746
XBJA	INNOVATOR ETFS TRUST	274,850 (+2.8%)	$8,787 (+5.1%)	2.6%	$25.92	—	US EQT ACC 9 BFR	45783Y780
DFEV	DIMENSIONAL ETF TRUST	179,951 (+1.1%)	$6,072 (+6.9%)	1.8%	$25.18	—	EMERGING MKTS VA	25434V740
VCSH	VANGUARD SCOTTSDALE FDS	46,528 (+11.3%)	$3,710 (+11.0%)	1.1%	$78.32	—	SHRT TRM CORP BD	92206C409
AAPL	APPLE INC	15,848 (+1.7%)	$4,308 (+8.6%)	1.3%	$130.80	+105.1%	COM	037833100
CPSY	CALAMOS ETF TR	17,271 (+104.5%)	$433 (+107.9%)	0.1%	$24.32	—	S&P 500 STRUCT	12811T787
BNDX	VANGUARD CHARLOTTE FDS	51,946 (+10.0%)	$2,510 (+7.5%)	0.8%	$49.92	—	TOTAL INT BD ETF	92203J407
VTIP	VANGUARD MALVERN FDS	50,818 (+9.9%)	$2,513 (+7.4%)	0.8%	$48.26	—	STRM INFPROIDX	922020805
VTES	VANGUARD WELLINGTON FD	31,810 (+5.5%)	$3,231 (+5.2%)	1.0%	$100.93	—	SHORT TRM TAX EX	921935870
DFGR	DIMENSIONAL ETF TRUST	219,379 (+6.2%)	$5,796 (+2.7%)	1.7%	$25.50	—	GLOBAL REAL EST	25434V658
BSV	VANGUARD BD INDEX FDS	52,664 (+3.7%)	$4,150 (+3.6%)	1.3%	$76.85	—	SHORT TRM BOND	921937827
GOVT	ISHARES TR	188,307 (+3.5%)	$4,336 (+3.1%)	1.3%	$23.67	—	US TREAS BD ETF	46429B267
SPY	SPDR S&P 500 ETF TR	2,629 (+4.6%)	$1,793 (+7.1%)	0.5%	$393.56	—	TR UNIT	78462F103
CSRE	COHEN & STEERS ETF TRUST	14,857 (+24.3%)	$379 (+21.7%)	0.1%	$25.95	—	REAL ESTATE ACTI	19249U104
AMZN	AMAZON COM INC	2,627 (+6.9%)	$606 (+12.4%)	0.2%	$144.46	+58.4%	COM	023135106
VBK	VANGUARD INDEX FDS	8,259 (+1.2%)	$2,495 (+2.7%)	0.8%	$252.15	—	SML CP GRW ETF	922908595
VNQ	VANGUARD INDEX FDS	31,331 (+1.1%)	$2,772 (-2.1%)	0.8%	$87.91	—	REAL ESTATE ETF	922908553
DFLV	DIMENSIONAL ETF TRUST	27,119 (+1.1%)	$928 (+5.2%)	0.3%	$30.23	—	US LARGE CAP VAL	25434V666
BND	VANGUARD BD INDEX FDS	7,869 (+7.9%)	$583 (+7.4%)	0.2%	$72.92	—	TOTAL BND MRKT	921937835
TIP	ISHARES TR	14,867 (+3.2%)	$1,634 (+2.0%)	0.5%	$108.38	—	TIPS BD ETF	464287176
DE	DEERE & CO	878 (+4.9%)	$409 (+6.8%)	0.1%	$253.59	+84.4%	COM	244199105
IDHQ	INVESCO EXCH TRADED FD TR II	8,188 (+1.6%)	$288 (+6.1%)	0.1%	$28.91	—	S&P INTL QULTY	46138E214
DFAR	DIMENSIONAL ETF TRUST	47,726 (+2.6%)	$1,093 (-1.4%)	0.3%	$21.61	—	US REAL ESTATE E	25434V823
NVDA	NVIDIA CORPORATION	1,903 (+3.5%)	$355 (+3.4%)	0.1%	$137.23	+35.6%	COM	67066G104
VOT	VANGUARD INDEX FDS	11,295 (+5.3%)	$3,153 (+0.1%)	1.0%	$223.44	—	MCAP GR IDXVIP	922908538
VWO	VANGUARD INTL EQUITY INDEX F	6,558 (+1.2%)	$353 (+0.4%)	0.1%	$49.67	—	FTSE EMR MKT ETF	922042858

Exited Positions (1)

ORCL ORACLE CORP 0.1%

Value ($000) $280 Shares 994 Est. Cost $160.80 Unrealized +48.0%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
ORCL	ORACLE CORP	994	$280	0.1%	$160.80	+48.0%	—	68389X105

Decreased Positions (24)

IAU ISHARES GOLD TR 6.3%

Value ($000) $20,936 (+5.2%) Shares 257,929 (-5.6%) Est. Cost $33.80 Unrealized —

GLD SPDR GOLD TR 1.4%

Value ($000) $4,644 (+5.2%) Shares 11,718 (-5.6%) Est. Cost $175.67 Unrealized —

IBM INTERNATIONAL BUSINESS MACHS 0.1%

Value ($000) $494 (-27.5%) Shares 1,667 (-31.0%) Est. Cost $115.44 Unrealized +158.8%

GOOGL ALPHABET INC 0.3%

Value ($000) $847 (+26.7%) Shares 2,707 (-1.6%) Est. Cost $114.42 Unrealized +149.6%

IDV ISHARES TR 1.0%

Value ($000) $3,188 (+5.7%) Shares 80,816 (-2.1%) Est. Cost $29.64 Unrealized —

IVW ISHARES TR 5.4%

Value ($000) $17,979 (+0.6%) Shares 145,862 (-1.5%) Est. Cost $64.48 Unrealized —

COST COSTCO WHSL CORP NEW 0.1%

Value ($000) $454 (-15.9%) Shares 526 (-9.8%) Est. Cost $478.28 Unrealized +89.4%

VEA VANGUARD TAX-MANAGED FDS 0.6%

Value ($000) $1,847 (+2.7%) Shares 29,562 (-1.5%) Est. Cost $47.29 Unrealized —

PRF INVESCO EXCHANGE TRADED FD T 0.4%

Value ($000) $1,430 (-3.1%) Shares 30,472 (-6.6%) Est. Cost $52.70 Unrealized —

BDX BECTON DICKINSON & CO 0.1%

Value ($000) $217 (-14.1%) Shares 1,116 (-17.1%) Est. Cost $228.94 Unrealized -17.2%

QUAL ISHARES TR 0.1%

Value ($000) $314 (-9.7%) Shares 1,582 (-11.6%) Est. Cost $143.52 Unrealized —

EMB ISHARES TR 0.1%

Value ($000) $366 (-7.7%) Shares 3,805 (-8.7%) Est. Cost $115.90 Unrealized —

SCHE SCHWAB STRATEGIC TR 0.2%

Value ($000) $499 (-4.5%) Shares 15,235 (-2.7%) Est. Cost $28.60 Unrealized —

SCZ ISHARES TR 0.4%

Value ($000) $1,369 (-1.6%) Shares 17,663 (-2.6%) Est. Cost $65.57 Unrealized —

PJAN INNOVATOR ETFS TRUST 0.2%

Value ($000) $702 (-2.7%) Shares 14,932 (-5.2%) Est. Cost $31.31 Unrealized —

ABBV ABBVIE INC 0.1%

Value ($000) $295 (-3.8%) Shares 1,289 (-2.5%) Est. Cost $80.38 Unrealized +183.1%

QQQ INVESCO QQQ TR 1.3%

Value ($000) $4,320 (-0.2%) Shares 7,032 (-2.4%) Est. Cost $338.91 Unrealized —

PFS PROVIDENT FINL SVCS INC 0.1%

Value ($000) $496 (-1.1%) Shares 25,139 (-3.5%) Est. Cost $13.26 Unrealized +43.4%

VIG VANGUARD SPECIALIZED FUNDS 0.2%

Value ($000) $634 (-0.8%) Shares 2,886 (-2.6%) Est. Cost $155.81 Unrealized —

MCD MCDONALDS CORP 0.1%

Value ($000) $289 (-1.4%) Shares 945 (-2.0%) Est. Cost $203.68 Unrealized +49.8%

PRFZ INVESCO EXCHANGE TRADED FD T 0.2%

Value ($000) $601 (-0.5%) Shares 13,106 (-1.5%) Est. Cost $58.09 Unrealized —

UAUG INNOVATOR ETFS TRUST 0.1%

Value ($000) $309 (-0.7%) Shares 7,735 (-2.2%) Est. Cost $30.74 Unrealized —

DFUS DIMENSIONAL ETF TRUST 0.2%

Value ($000) $772 (+0.1%) Shares 10,409 (-2.2%) Est. Cost $58.97 Unrealized —

PRU PRUDENTIAL FINL INC 0.1%

Value ($000) $207 (+0.2%) Shares 1,832 (-7.9%) Est. Cost $108.96 Unrealized -2.2%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
IAU	ISHARES GOLD TR	257,929 (-5.6%)	$20,936 (+5.2%)	6.3%	$33.80	—	ISHARES NEW	464285204
GLD	SPDR GOLD TR	11,718 (-5.6%)	$4,644 (+5.2%)	1.4%	$175.67	—	GOLD SHS	78463V107
IBM	INTERNATIONAL BUSINESS MACHS	1,667 (-31.0%)	$494 (-27.5%)	0.1%	$115.44	+158.8%	COM	459200101
GOOGL	ALPHABET INC	2,707 (-1.6%)	$847 (+26.7%)	0.3%	$114.42	+149.6%	CAP STK CL A	02079K305
IDV	ISHARES TR	80,816 (-2.1%)	$3,188 (+5.7%)	1.0%	$29.64	—	INTL SEL DIV ETF	464288448
IVW	ISHARES TR	145,862 (-1.5%)	$17,979 (+0.6%)	5.4%	$64.48	—	S&P 500 GRWT ETF	464287309
COST	COSTCO WHSL CORP NEW	526 (-9.8%)	$454 (-15.9%)	0.1%	$478.28	+89.4%	COM	22160K105
VEA	VANGUARD TAX-MANAGED FDS	29,562 (-1.5%)	$1,847 (+2.7%)	0.6%	$47.29	—	VAN FTSE DEV MKT	921943858
PRF	INVESCO EXCHANGE TRADED FD T	30,472 (-6.6%)	$1,430 (-3.1%)	0.4%	$52.70	—	RAFI US 1000 ETF	46137V613
BDX	BECTON DICKINSON & CO	1,116 (-17.1%)	$217 (-14.1%)	0.1%	$228.94	-17.2%	COM	075887109
QUAL	ISHARES TR	1,582 (-11.6%)	$314 (-9.7%)	0.1%	$143.52	—	MSCI USA QLT FCT	46432F339
EMB	ISHARES TR	3,805 (-8.7%)	$366 (-7.7%)	0.1%	$115.90	—	JPMORGAN USD EMG	464288281
SCHE	SCHWAB STRATEGIC TR	15,235 (-2.7%)	$499 (-4.5%)	0.2%	$28.60	—	EMRG MKTEQ ETF	808524706
SCZ	ISHARES TR	17,663 (-2.6%)	$1,369 (-1.6%)	0.4%	$65.57	—	EAFE SML CP ETF	464288273
PJAN	INNOVATOR ETFS TRUST	14,932 (-5.2%)	$702 (-2.7%)	0.2%	$31.31	—	US EQTY PWR BUF	45782C508
ABBV	ABBVIE INC	1,289 (-2.5%)	$295 (-3.8%)	0.1%	$80.38	+183.1%	COM	00287Y109
QQQ	INVESCO QQQ TR	7,032 (-2.4%)	$4,320 (-0.2%)	1.3%	$338.91	—	UNIT SER 1	46090E103
PFS	PROVIDENT FINL SVCS INC	25,139 (-3.5%)	$496 (-1.1%)	0.1%	$13.26	+43.4%	COM	74386T105
VIG	VANGUARD SPECIALIZED FUNDS	2,886 (-2.6%)	$634 (-0.8%)	0.2%	$155.81	—	DIV APP ETF	921908844
MCD	MCDONALDS CORP	945 (-2.0%)	$289 (-1.4%)	0.1%	$203.68	+49.8%	COM	580135101
PRFZ	INVESCO EXCHANGE TRADED FD T	13,106 (-1.5%)	$601 (-0.5%)	0.2%	$58.09	—	RAFI US 1500	46137V597
UAUG	INNOVATOR ETFS TRUST	7,735 (-2.2%)	$309 (-0.7%)	0.1%	$30.74	—	US EQT ULTRA BF	45782C672
DFUS	DIMENSIONAL ETF TRUST	10,409 (-2.2%)	$772 (+0.1%)	0.2%	$58.97	—	US EQUITY MARKET	25434V401
PRU	PRUDENTIAL FINL INC	1,832 (-7.9%)	$207 (+0.2%)	0.1%	$108.96	-2.2%	COM	744320102

Unchanged Positions (57)

DFIV DIMENSIONAL ETF TRUST 4.8%

Value ($000) $15,913 Shares 318,899 Est. Cost $33.05 Unrealized —

DISV DIMENSIONAL ETF TRUST 3.4%

Value ($000) $11,281 Shares 296,858 Est. Cost $24.89 Unrealized —

LLY ELI LILLY & CO 0.3%

Value ($000) $835 Shares 777 Est. Cost $178.56 Unrealized +435.1%

IJS ISHARES TR 2.7%

Value ($000) $8,991 Shares 79,066 Est. Cost $84.24 Unrealized —

JNJ JOHNSON & JOHNSON 0.6%

Value ($000) $2,125 Shares 10,268 Est. Cost $138.29 Unrealized +42.5%

GOOG ALPHABET INC 0.2%

Value ($000) $559 Shares 1,780 Est. Cost $111.41 Unrealized +157.0%

MSFT MICROSOFT CORP 0.5%

Value ($000) $1,644 Shares 3,400 Est. Cost $290.20 Unrealized +72.5%

IVV ISHARES TR 2.6%

Value ($000) $8,562 Shares 12,501 Est. Cost $384.34 Unrealized —

XOM EXXON MOBIL CORP 0.5%

Value ($000) $1,566 Shares 13,010 Est. Cost $72.49 Unrealized +59.3%

VOE VANGUARD INDEX FDS 1.1%

Value ($000) $3,679 Shares 20,744 Est. Cost $124.57 Unrealized —

IVE ISHARES TR 1.5%

Value ($000) $4,869 Shares 22,961 Est. Cost $129.90 Unrealized —

RTX RTX CORPORATION 0.3%

Value ($000) $961 Shares 5,242 Est. Cost $108.67 Unrealized +59.5%

META META PLATFORMS INC 0.2%

Value ($000) $666 Shares 1,008 Est. Cost $276.30 Unrealized +141.5%

MRK MERCK & CO INC 0.1%

Value ($000) $317 Shares 3,014 Est. Cost $97.41 Unrealized -4.3%

O REALTY INCOME CORP 0.2%

Value ($000) $722 Shares 12,809 Est. Cost $48.34 Unrealized +18.7%

HD HOME DEPOT INC 0.1%

Value ($000) $295 Shares 857 Est. Cost $247.18 Unrealized +47.5%

VBR VANGUARD INDEX FDS 0.7%

Value ($000) $2,427 Shares 11,462 Est. Cost $150.08 Unrealized —

CARR CARRIER GLOBAL CORPORATION 0.1%

Value ($000) $266 Shares 5,027 Est. Cost $51.55 Unrealized +7.7%

IJH ISHARES TR 1.4%

Value ($000) $4,673 Shares 70,811 Est. Cost $96.17 Unrealized —

PG PROCTER AND GAMBLE CO 0.1%

Value ($000) $412 Shares 2,872 Est. Cost $129.16 Unrealized +13.9%

SIGI SELECTIVE INS GROUP INC 0.3%

Value ($000) $955 Shares 11,418 Est. Cost $55.25 Unrealized +44.1%

MMM 3M CO 0.2%

Value ($000) $699 Shares 4,368 Est. Cost $84.53 Unrealized +93.0%

VZ VERIZON COMMUNICATIONS INC 0.1%

Value ($000) $258 Shares 6,340 Est. Cost $39.58 Unrealized +2.3%

VUG VANGUARD INDEX FDS 0.3%

Value ($000) $848 Shares 1,738 Est. Cost $274.56 Unrealized —

DFIS DIMENSIONAL ETF TRUST 0.1%

Value ($000) $382 Shares 11,583 Est. Cost $21.77 Unrealized —

LOW LOWES COS INC 0.1%

Value ($000) $281 Shares 1,164 Est. Cost $164.63 Unrealized +45.7%

JPM JPMORGAN CHASE & CO. 0.2%

Value ($000) $640 Shares 1,986 Est. Cost $152.86 Unrealized +102.5%

ES EVERSOURCE ENERGY 0.1%

Value ($000) $232 Shares 3,452 Est. Cost $57.17 Unrealized +21.7%

FNDC SCHWAB STRATEGIC TR 0.8%

Value ($000) $2,558 Shares 57,428 Est. Cost $37.21 Unrealized —

PEG PUBLIC SVC ENTERPRISE GRP IN 0.1%

Value ($000) $267 Shares 3,331 Est. Cost $80.99 Unrealized +0.1%

OTIS OTIS WORLDWIDE CORP 0.1%

Value ($000) $220 Shares 2,513 Est. Cost $80.24 Unrealized +11.2%

PEP PEPSICO INC 0.1%

Value ($000) $455 Shares 3,172 Est. Cost $128.19 Unrealized +13.8%

VONV VANGUARD SCOTTSDALE FDS 0.1%

Value ($000) $256 Shares 2,777 Est. Cost $78.68 Unrealized —

EFG ISHARES TR 1.4%

Value ($000) $4,645 Shares 40,778 Est. Cost $96.03 Unrealized —

IJR ISHARES TR 0.4%

Value ($000) $1,350 Shares 11,232 Est. Cost $92.09 Unrealized —

EPD ENTERPRISE PRODS PARTNERS L 0.1%

Value ($000) $242 Shares 7,537 Est. Cost $31.27 Unrealized —

IHI ISHARES TR 0.1%

Value ($000) $226 Shares 3,630 Est. Cost $106.30 Unrealized —

MDYV SPDR SERIES TRUST 0.2%

Value ($000) $551 Shares 6,511 Est. Cost $62.27 Unrealized —

VTI VANGUARD INDEX FDS 0.1%

Value ($000) $289 Shares 861 Est. Cost $308.64 Unrealized —

VO VANGUARD INDEX FDS 0.2%

Value ($000) $543 Shares 1,872 Est. Cost $215.50 Unrealized —

DGS WISDOMTREE TR 0.7%

Value ($000) $2,283 Shares 39,885 Est. Cost $51.27 Unrealized —

CVX CHEVRON CORP NEW 0.1%

Value ($000) $324 Shares 2,129 Est. Cost $86.84 Unrealized +74.3%

SCHB SCHWAB STRATEGIC TR 0.1%

Value ($000) $254 Shares 9,699 Est. Cost $37.26 Unrealized —

XBAP INNOVATOR ETFS TRUST 0.1%

Value ($000) $299 Shares 7,732 Est. Cost $32.28 Unrealized —

MUB ISHARES TR 0.5%

Value ($000) $1,752 Shares 16,354 Est. Cost $106.56 Unrealized —

GE GE AEROSPACE 0.1%

Value ($000) $285 Shares 925 Est. Cost $218.59 Unrealized +37.6%

— BLACKROCK ENHANCED EQUITY DI 0.0%

Value ($000) $131 Shares 13,831 Est. Cost $7.69 Unrealized —

IWB ISHARES TR 0.1%

Value ($000) $220 Shares 589 Est. Cost $339.57 Unrealized —

GD GENERAL DYNAMICS CORP 0.1%

Value ($000) $377 Shares 1,120 Est. Cost $135.29 Unrealized +152.0%

RSP INVESCO EXCHANGE TRADED FD T 0.2%

Value ($000) $591 Shares 3,086 Est. Cost $127.48 Unrealized —

CPSJ CALAMOS ETF TR 0.1%

Value ($000) $254 Shares 9,447 Est. Cost $24.72 Unrealized —

CPST CALAMOS ETF TR 0.1%

Value ($000) $217 Shares 8,018 Est. Cost $26.11 Unrealized —

MDYG SPDR SERIES TRUST 0.1%

Value ($000) $244 Shares 2,645 Est. Cost $65.84 Unrealized —

DVY ISHARES TR 0.1%

Value ($000) $271 Shares 1,922 Est. Cost $96.92 Unrealized —

DIVS GUINNESS ATKINSON FDS 0.1%

Value ($000) $274 Shares 8,876 Est. Cost $25.18 Unrealized —

TSLA TESLA INC 0.1%

Value ($000) $330 Shares 733 Est. Cost $301.28 Unrealized +47.1%

BRK/B BERKSHIRE HATHAWAY INC DEL 0.3%

Value ($000) $1,147 Shares 2,282 Est. Cost $256.13 Unrealized +94.2%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
DFIV	DIMENSIONAL ETF TRUST	318,899	$15,913	4.8%	$33.05	—	INTERNATNAL VAL	25434V807
DISV	DIMENSIONAL ETF TRUST	296,858	$11,281	3.4%	$24.89	—	INTL SMALL CAP V	25434V781
LLY	ELI LILLY & CO	777	$835	0.3%	$178.56	+435.1%	COM	532457108
IJS	ISHARES TR	79,066	$8,991	2.7%	$84.24	—	SP SMCP600VL ETF	464287879
JNJ	JOHNSON & JOHNSON	10,268	$2,125	0.6%	$138.29	+42.5%	COM	478160104
GOOG	ALPHABET INC	1,780	$559	0.2%	$111.41	+157.0%	CAP STK CL C	02079K107
MSFT	MICROSOFT CORP	3,400	$1,644	0.5%	$290.20	+72.5%	COM	594918104
IVV	ISHARES TR	12,501	$8,562	2.6%	$384.34	—	CORE S&P500 ETF	464287200
XOM	EXXON MOBIL CORP	13,010	$1,566	0.5%	$72.49	+59.3%	COM	30231G102
VOE	VANGUARD INDEX FDS	20,744	$3,679	1.1%	$124.57	—	MCAP VL IDXVIP	922908512
IVE	ISHARES TR	22,961	$4,869	1.5%	$129.90	—	S&P 500 VAL ETF	464287408
RTX	RTX CORPORATION	5,242	$961	0.3%	$108.67	+59.5%	COM	75513E101
META	META PLATFORMS INC	1,008	$666	0.2%	$276.30	+141.5%	CL A	30303M102
MRK	MERCK & CO INC	3,014	$317	0.1%	$97.41	-4.3%	COM	58933Y105
O	REALTY INCOME CORP	12,809	$722	0.2%	$48.34	+18.7%	COM	756109104
HD	HOME DEPOT INC	857	$295	0.1%	$247.18	+47.5%	COM	437076102
VBR	VANGUARD INDEX FDS	11,462	$2,427	0.7%	$150.08	—	SM CP VAL ETF	922908611
CARR	CARRIER GLOBAL CORPORATION	5,027	$266	0.1%	$51.55	+7.7%	COM	14448C104
IJH	ISHARES TR	70,811	$4,673	1.4%	$96.17	—	CORE S&P MCP ETF	464287507
PG	PROCTER AND GAMBLE CO	2,872	$412	0.1%	$129.16	+13.9%	COM	742718109
SIGI	SELECTIVE INS GROUP INC	11,418	$955	0.3%	$55.25	+44.1%	COM	816300107
MMM	3M CO	4,368	$699	0.2%	$84.53	+93.0%	COM	88579Y101
VZ	VERIZON COMMUNICATIONS INC	6,340	$258	0.1%	$39.58	+2.3%	COM	92343V104
VUG	VANGUARD INDEX FDS	1,738	$848	0.3%	$274.56	—	GROWTH ETF	922908736
DFIS	DIMENSIONAL ETF TRUST	11,583	$382	0.1%	$21.77	—	INTL SMALL CAP E	25434V773
LOW	LOWES COS INC	1,164	$281	0.1%	$164.63	+45.7%	COM	548661107
JPM	JPMORGAN CHASE & CO.	1,986	$640	0.2%	$152.86	+102.5%	COM	46625H100
ES	EVERSOURCE ENERGY	3,452	$232	0.1%	$57.17	+21.7%	COM	30040W108
FNDC	SCHWAB STRATEGIC TR	57,428	$2,558	0.8%	$37.21	—	FUNDAMENTAL INTL	808524748
PEG	PUBLIC SVC ENTERPRISE GRP IN	3,331	$267	0.1%	$80.99	+0.1%	COM	744573106
OTIS	OTIS WORLDWIDE CORP	2,513	$220	0.1%	$80.24	+11.2%	COM	68902V107
PEP	PEPSICO INC	3,172	$455	0.1%	$128.19	+13.8%	COM	713448108
VONV	VANGUARD SCOTTSDALE FDS	2,777	$256	0.1%	$78.68	—	VNG RUS1000VAL	92206C714
EFG	ISHARES TR	40,778	$4,645	1.4%	$96.03	—	EAFE GRWTH ETF	464288885
IJR	ISHARES TR	11,232	$1,350	0.4%	$92.09	—	CORE S&P SCP ETF	464287804
EPD	ENTERPRISE PRODS PARTNERS L	7,537	$242	0.1%	$31.27	—	COM	293792107
IHI	ISHARES TR	3,630	$226	0.1%	$106.30	—	U.S. MED DVC ETF	464288810
MDYV	SPDR SERIES TRUST	6,511	$551	0.2%	$62.27	—	STATE STREET SPD	78464A839
VTI	VANGUARD INDEX FDS	861	$289	0.1%	$308.64	—	TOTAL STK MKT	922908769
VO	VANGUARD INDEX FDS	1,872	$543	0.2%	$215.50	—	MID CAP ETF	922908629
DGS	WISDOMTREE TR	39,885	$2,283	0.7%	$51.27	—	EMG MKTS SMCAP	97717W281
CVX	CHEVRON CORP NEW	2,129	$324	0.1%	$86.84	+74.3%	COM	166764100
SCHB	SCHWAB STRATEGIC TR	9,699	$254	0.1%	$37.26	—	US BRD MKT ETF	808524102
XBAP	INNOVATOR ETFS TRUST	7,732	$299	0.1%	$32.28	—	US EQUITY ACCELE	45783Y301
MUB	ISHARES TR	16,354	$1,752	0.5%	$106.56	—	NATIONAL MUN ETF	464288414
GE	GE AEROSPACE	925	$285	0.1%	$218.59	+37.6%	COM NEW	369604301
—	BLACKROCK ENHANCED EQUITY DI	13,831	$131	0.0%	$7.69	—	COM	09251A104
IWB	ISHARES TR	589	$220	0.1%	$339.57	—	RUS 1000 ETF	464287622
GD	GENERAL DYNAMICS CORP	1,120	$377	0.1%	$135.29	+152.0%	COM	369550108
RSP	INVESCO EXCHANGE TRADED FD T	3,086	$591	0.2%	$127.48	—	S&P500 EQL WGT	46137V357
CPSJ	CALAMOS ETF TR	9,447	$254	0.1%	$24.72	—	S&P 500 STRUCTUR	12811T803
CPST	CALAMOS ETF TR	8,018	$217	0.1%	$26.11	—	S&P 500 STRUCTUR	12811T886
MDYG	SPDR SERIES TRUST	2,645	$244	0.1%	$65.84	—	STATE STREET SPD	78464A821
DVY	ISHARES TR	1,922	$271	0.1%	$96.92	—	SELECT DIVID ETF	464287168
DIVS	GUINNESS ATKINSON FDS	8,876	$274	0.1%	$25.18	—	DIVIDEND BUILDER	402031835
TSLA	TESLA INC	733	$330	0.1%	$301.28	+47.1%	COM	88160R101
BRK/B	BERKSHIRE HATHAWAY INC DEL	2,282	$1,147	0.3%	$256.13	+94.2%	CL B NEW	084670702