Highland Financial Advisors, LLC Diversified Active

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
AGG	ISHARES TR	2,887	$288	0.1%	$99.88	—	CORE US AGGBD ET	464287226
CI	THE CIGNA GROUP	996	$274	0.1%	$279.23	0.0%	COM	125523100
BX	BLACKSTONE INC	1,613	$249	0.1%	$151.46	0.0%	COM	09260D107
BAC	BANK AMERICA CORP	3,945	$217	0.1%	$52.67	0.0%	COM	060505104
FISV	FISERV INC	3,199	$215	0.1%	$83.87	0.0%	COM	337738108
GLD	SPDR GOLD TR	537	$213	0.1%	$396.31	—	GOLD SHS	78463V107
GOOGL	ALPHABET INC	675	$211	0.1%	$285.60	0.0%	CAP STK CL A	02079K305
SDG	ISHARES TR	2,441	$206	0.1%	$84.22	—	MSCI GBL SUS DEV	46435G532
—	XAI OCTAGN FLT RAT & ALT INM	11,731	$56	0.0%	$4.80	—	COM	98400T106

Increased Positions (23)

SPYM SPDR SERIES TRUST 11.3%

Value ($000) $40,784 (+4.3%) Shares 508,404 (+1.8%) Est. Cost $35.10 Unrealized —

DFAU DIMENSIONAL ETF TRUST 9.7%

Value ($000) $34,835 (+4.6%) Shares 744,328 (+2.2%) Est. Cost $20.90 Unrealized —

QQQM INVESCO EXCH TRADED FD TR II 10.3%

Value ($000) $37,107 (+3.9%) Shares 146,715 (+1.6%) Est. Cost $30.99 Unrealized —

AVUS AMERICAN CENTY ETF TR 9.6%

Value ($000) $34,658 (+3.9%) Shares 310,056 (+1.0%) Est. Cost $48.28 Unrealized —

AVUV AMERICAN CENTY ETF TR 5.5%

Value ($000) $19,789 (+4.6%) Shares 194,047 (+2.1%) Est. Cost $45.63 Unrealized —

XCEM COLUMBIA ETF TR II 1.8%

Value ($000) $6,399 (+8.1%) Shares 166,813 (+2.4%) Est. Cost $4.31 Unrealized —

SGOV ISHARES TR 3.0%

Value ($000) $10,671 (+2.6%) Shares 106,307 (+2.9%) Est. Cost $6.85 Unrealized —

AVIG AMERICAN CENTY ETF TR 6.2%

Value ($000) $22,207 (+1.0%) Shares 529,715 (+1.4%) Est. Cost $11.14 Unrealized —

AAPL APPLE INC 0.5%

Value ($000) $1,911 (+9.8%) Shares 7,029 (+2.8%) Est. Cost $169.01 Unrealized +58.8%

GOOG ALPHABET INC 0.1%

Value ($000) $353 (+50.2%) Shares 1,124 (+16.6%) Est. Cost $220.81 Unrealized +29.7%

NVDA NVIDIA CORPORATION 0.1%

Value ($000) $399 (+38.0%) Shares 2,138 (+38.0%) Est. Cost $177.55 Unrealized +4.8%

AMZN AMAZON COM INC 0.3%

Value ($000) $1,158 (+9.0%) Shares 5,018 (+3.7%) Est. Cost $156.72 Unrealized +46.0%

TSLA TESLA INC 0.1%

Value ($000) $472 (+24.8%) Shares 1,050 (+23.4%) Est. Cost $331.23 Unrealized +33.8%

XVV ISHARES TR 0.2%

Value ($000) $699 (+8.2%) Shares 13,259 (+5.8%) Est. Cost $26.38 Unrealized —

JPM JPMORGAN CHASE & CO. 0.4%

Value ($000) $1,501 (+3.5%) Shares 4,659 (+1.3%) Est. Cost $127.90 Unrealized +142.0%

DFAE DIMENSIONAL ETF TRUST 0.2%

Value ($000) $844 (+5.9%) Shares 25,920 (+2.6%) Est. Cost $12.88 Unrealized —

MEAR ISHARES U S ETF TR 0.6%

Value ($000) $2,071 (+2.1%) Shares 41,165 (+2.5%) Est. Cost $2.50 Unrealized —

META META PLATFORMS INC 0.1%

Value ($000) $541 (-7.1%) Shares 819 (+3.4%) Est. Cost $361.39 Unrealized +84.7%

EAGG ISHARES TR 0.1%

Value ($000) $319 (+12.6%) Shares 6,672 (+13.0%) Est. Cost $31.61 Unrealized —

XJR ISHARES TR 0.5%

Value ($000) $1,964 (+1.8%) Shares 46,129 (+1.7%) Est. Cost $38.80 Unrealized —

V VISA INC 0.1%

Value ($000) $363 (+9.9%) Shares 1,036 (+7.0%) Est. Cost $262.52 Unrealized +29.7%

MSFT MICROSOFT CORP 0.2%

Value ($000) $638 (+2.8%) Shares 1,320 (+10.1%) Est. Cost $391.61 Unrealized +27.8%

BRK/B BERKSHIRE HATHAWAY INC DEL 0.1%

Value ($000) $513 (+2.2%) Shares 1,021 (+2.2%) Est. Cost $446.53 Unrealized +11.4%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
SPYM	SPDR SERIES TRUST	508,404 (+1.8%)	$40,784 (+4.3%)	11.3%	$35.10	—	STATE STREET SPD	78464A854
DFAU	DIMENSIONAL ETF TRUST	744,328 (+2.2%)	$34,835 (+4.6%)	9.7%	$20.90	—	US CORE EQT MKT	25434V104
QQQM	INVESCO EXCH TRADED FD TR II	146,715 (+1.6%)	$37,107 (+3.9%)	10.3%	$30.99	—	NASDAQ 100 ETF	46138G649
AVUS	AMERICAN CENTY ETF TR	310,056 (+1.0%)	$34,658 (+3.9%)	9.6%	$48.28	—	US EQT ETF	025072885
AVUV	AMERICAN CENTY ETF TR	194,047 (+2.1%)	$19,789 (+4.6%)	5.5%	$45.63	—	US SML CP VALU	025072877
XCEM	COLUMBIA ETF TR II	166,813 (+2.4%)	$6,399 (+8.1%)	1.8%	$4.31	—	EM CORE EX ETF	19762B202
SGOV	ISHARES TR	106,307 (+2.9%)	$10,671 (+2.6%)	3.0%	$6.85	—	0-3 MNTH TREASRY	46436E718
AVIG	AMERICAN CENTY ETF TR	529,715 (+1.4%)	$22,207 (+1.0%)	6.2%	$11.14	—	AVANTIS CORE FI	025072562
AAPL	APPLE INC	7,029 (+2.8%)	$1,911 (+9.8%)	0.5%	$169.01	+58.8%	COM	037833100
GOOG	ALPHABET INC	1,124 (+16.6%)	$353 (+50.2%)	0.1%	$220.81	+29.7%	CAP STK CL C	02079K107
NVDA	NVIDIA CORPORATION	2,138 (+38.0%)	$399 (+38.0%)	0.1%	$177.55	+4.8%	COM	67066G104
AMZN	AMAZON COM INC	5,018 (+3.7%)	$1,158 (+9.0%)	0.3%	$156.72	+46.0%	COM	023135106
TSLA	TESLA INC	1,050 (+23.4%)	$472 (+24.8%)	0.1%	$331.23	+33.8%	COM	88160R101
XVV	ISHARES TR	13,259 (+5.8%)	$699 (+8.2%)	0.2%	$26.38	—	ESG SELECT SCRE	46436E569
JPM	JPMORGAN CHASE & CO.	4,659 (+1.3%)	$1,501 (+3.5%)	0.4%	$127.90	+142.0%	COM	46625H100
DFAE	DIMENSIONAL ETF TRUST	25,920 (+2.6%)	$844 (+5.9%)	0.2%	$12.88	—	EMGR CRE EQT MNG	25434V302
MEAR	ISHARES U S ETF TR	41,165 (+2.5%)	$2,071 (+2.1%)	0.6%	$2.50	—	SHORT MATURITY M	46431W838
META	META PLATFORMS INC	819 (+3.4%)	$541 (-7.1%)	0.1%	$361.39	+84.7%	CL A	30303M102
EAGG	ISHARES TR	6,672 (+13.0%)	$319 (+12.6%)	0.1%	$31.61	—	ESG AWR US AGRGT	46435U549
XJR	ISHARES TR	46,129 (+1.7%)	$1,964 (+1.8%)	0.5%	$38.80	—	ESG SELECT SCREE	46436E544
V	VISA INC	1,036 (+7.0%)	$363 (+9.9%)	0.1%	$262.52	+29.7%	COM CL A	92826C839
MSFT	MICROSOFT CORP	1,320 (+10.1%)	$638 (+2.8%)	0.2%	$391.61	+27.8%	COM	594918104
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,021 (+2.2%)	$513 (+2.2%)	0.1%	$446.53	+11.4%	CL B NEW	084670702

Exited Positions (1)

LLY ELI LILLY & CO 0.1%

Value ($000) $482 Shares 632 Est. Cost $742.24 Unrealized +28.7%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
LLY	ELI LILLY & CO	632	$482	0.1%	$742.24	+28.7%	—	532457108

Decreased Positions (7)

VTI VANGUARD INDEX FDS 2.4%

Value ($000) $8,580 (-4.4%) Shares 25,591 (-6.4%) Est. Cost $148.26 Unrealized —

USXF ISHARES TR 0.7%

Value ($000) $2,479 (-2.4%) Shares 43,052 (-2.8%) Est. Cost $38.73 Unrealized —

SLYV SPDR SERIES TRUST 0.3%

Value ($000) $941 (-4.5%) Shares 10,345 (-6.9%) Est. Cost $59.09 Unrealized —

VYM VANGUARD WHITEHALL FDS 0.4%

Value ($000) $1,441 (-1.8%) Shares 10,041 (-3.6%) Est. Cost $65.55 Unrealized —

AVSD AMERICAN CENTY ETF TR 0.5%

Value ($000) $1,911 (+0.8%) Shares 25,739 (-2.9%) Est. Cost $24.04 Unrealized —

AVSE AMERICAN CENTY ETF TR 0.4%

Value ($000) $1,474 (+0.9%) Shares 22,685 (-1.3%) Est. Cost $30.10 Unrealized —

QQQ INVESCO QQQ TR 0.1%

Value ($000) $230 (+0.5%) Shares 374 (-1.8%) Est. Cost $600.53 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VTI	VANGUARD INDEX FDS	25,591 (-6.4%)	$8,580 (-4.4%)	2.4%	$148.26	—	TOTAL STK MKT	922908769
USXF	ISHARES TR	43,052 (-2.8%)	$2,479 (-2.4%)	0.7%	$38.73	—	ESG MSCI USA ETF	46436E767
SLYV	SPDR SERIES TRUST	10,345 (-6.9%)	$941 (-4.5%)	0.3%	$59.09	—	STATE STREET SPD	78464A300
VYM	VANGUARD WHITEHALL FDS	10,041 (-3.6%)	$1,441 (-1.8%)	0.4%	$65.55	—	HIGH DIV YLD	921946406
AVSD	AMERICAN CENTY ETF TR	25,739 (-2.9%)	$1,911 (+0.8%)	0.5%	$24.04	—	AVANTIS RESPONSI	025072299
AVSE	AMERICAN CENTY ETF TR	22,685 (-1.3%)	$1,474 (+0.9%)	0.4%	$30.10	—	AVANTIS RESPONSI	025072315
QQQ	INVESCO QQQ TR	374 (-1.8%)	$230 (+0.5%)	0.1%	$600.53	—	UNIT SER 1	46090E103

Unchanged Positions (27)

IAU ISHARES GOLD TR 2.8%

Value ($000) $10,048 Shares 123,785 Est. Cost $34.74 Unrealized —

AVDE AMERICAN CENTY ETF TR 5.3%

Value ($000) $19,123 Shares 232,297 Est. Cost $18.48 Unrealized —

FBTC FIDELITY WISE ORIGIN BITCOIN 0.5%

Value ($000) $1,654 Shares 21,700 Est. Cost $0.06 Unrealized —

AVSU AMERICAN CENTY ETF TR 2.9%

Value ($000) $10,434 Shares 136,746 Est. Cost $35.07 Unrealized —

AVEM AMERICAN CENTY ETF TR 2.2%

Value ($000) $7,811 Shares 101,419 Est. Cost $46.12 Unrealized —

VONG VANGUARD SCOTTSDALE FDS 7.7%

Value ($000) $27,754 Shares 227,962 Est. Cost $36.63 Unrealized —

IWF ISHARES TR 3.5%

Value ($000) $12,458 Shares 26,321 Est. Cost $215.36 Unrealized —

SCHG SCHWAB STRATEGIC TR 0.8%

Value ($000) $2,815 Shares 86,312 Est. Cost $1.49 Unrealized —

SMIN ISHARES TR 0.8%

Value ($000) $2,761 Shares 39,496 Est. Cost $15.12 Unrealized —

IEFA ISHARES TR 0.5%

Value ($000) $1,798 Shares 20,103 Est. Cost $56.41 Unrealized —

DFAW DIMENSIONAL ETF TRUST 0.3%

Value ($000) $931 Shares 12,587 Est. Cost $67.08 Unrealized —

GINN GOLDMAN SACHS ETF TR 4.8%

Value ($000) $17,366 Shares 237,558 Est. Cost $18.04 Unrealized —

IVV ISHARES TR 0.2%

Value ($000) $570 Shares 832 Est. Cost $116.88 Unrealized —

VTV VANGUARD INDEX FDS 0.1%

Value ($000) $534 Shares 2,795 Est. Cost $129.11 Unrealized —

DFAC DIMENSIONAL ETF TRUST 0.2%

Value ($000) $557 Shares 14,070 Est. Cost $23.30 Unrealized —

VGT VANGUARD WORLD FD 0.6%

Value ($000) $2,051 Shares 2,721 Est. Cost $516.88 Unrealized —

VOO VANGUARD INDEX FDS 0.1%

Value ($000) $291 Shares 464 Est. Cost $612.38 Unrealized —

IEMG ISHARES INC 0.1%

Value ($000) $259 Shares 3,853 Est. Cost $60.80 Unrealized —

VONE VANGUARD SCOTTSDALE FDS 0.1%

Value ($000) $205 Shares 664 Est. Cost $302.35 Unrealized —

IBTG ISHARES TR 0.1%

Value ($000) $252 Shares 11,027 Est. Cost $0.02 Unrealized —

IBDR ISHARES TR 0.1%

Value ($000) $256 Shares 10,575 Est. Cost $0.02 Unrealized —

IBDU ISHARES TR 0.1%

Value ($000) $260 Shares 11,110 Est. Cost $0.02 Unrealized —

IBDT ISHARES TR 0.1%

Value ($000) $259 Shares 10,162 Est. Cost $0.03 Unrealized —

IBDS ISHARES TR 0.1%

Value ($000) $258 Shares 10,606 Est. Cost $0.02 Unrealized —

IBTH ISHARES TR 0.1%

Value ($000) $254 Shares 11,306 Est. Cost $0.02 Unrealized —

IBTI ISHARES TR 0.1%

Value ($000) $256 Shares 11,430 Est. Cost $0.02 Unrealized —

IBTJ ISHARES TR 0.1%

Value ($000) $257 Shares 11,698 Est. Cost $0.02 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
IAU	ISHARES GOLD TR	123,785	$10,048	2.8%	$34.74	—	ISHARES NEW	464285204
AVDE	AMERICAN CENTY ETF TR	232,297	$19,123	5.3%	$18.48	—	INTL EQT ETF	025072703
FBTC	FIDELITY WISE ORIGIN BITCOIN	21,700	$1,654	0.5%	$0.06	—	SHS	315948109
AVSU	AMERICAN CENTY ETF TR	136,746	$10,434	2.9%	$35.07	—	AVANTIS RESPON U	025072281
AVEM	AMERICAN CENTY ETF TR	101,419	$7,811	2.2%	$46.12	—	AVANTIS EMGMKT	025072604
VONG	VANGUARD SCOTTSDALE FDS	227,962	$27,754	7.7%	$36.63	—	VNG RUS1000GRW	92206C680
IWF	ISHARES TR	26,321	$12,458	3.5%	$215.36	—	RUS 1000 GRW ETF	464287614
SCHG	SCHWAB STRATEGIC TR	86,312	$2,815	0.8%	$1.49	—	US LCAP GR ETF	808524300
SMIN	ISHARES TR	39,496	$2,761	0.8%	$15.12	—	MSCI INDIA SM CP	46429B614
IEFA	ISHARES TR	20,103	$1,798	0.5%	$56.41	—	CORE MSCI EAFE	46432F842
DFAW	DIMENSIONAL ETF TRUST	12,587	$931	0.3%	$67.08	—	WORLD EQUITY ETF	25434V617
GINN	GOLDMAN SACHS ETF TR	237,558	$17,366	4.8%	$18.04	—	INNOVAT EQ ETF	38149W820
IVV	ISHARES TR	832	$570	0.2%	$116.88	—	CORE S&P500 ETF	464287200
VTV	VANGUARD INDEX FDS	2,795	$534	0.1%	$129.11	—	VALUE ETF	922908744
DFAC	DIMENSIONAL ETF TRUST	14,070	$557	0.2%	$23.30	—	US CORE EQUITY 2	25434V708
VGT	VANGUARD WORLD FD	2,721	$2,051	0.6%	$516.88	—	INF TECH ETF	92204A702
VOO	VANGUARD INDEX FDS	464	$291	0.1%	$612.38	—	S&P 500 ETF SHS	922908363
IEMG	ISHARES INC	3,853	$259	0.1%	$60.80	—	CORE MSCI EMKT	46434G103
VONE	VANGUARD SCOTTSDALE FDS	664	$205	0.1%	$302.35	—	VNG RUS1000IDX	92206C730
IBTG	ISHARES TR	11,027	$252	0.1%	$0.02	—	IBONDS 26 TRM TS	46436E858
IBDR	ISHARES TR	10,575	$256	0.1%	$0.02	—	IBONDS DEC2026	46435GAA0
IBDU	ISHARES TR	11,110	$260	0.1%	$0.02	—	IBONDS DEC 29	46436E205
IBDT	ISHARES TR	10,162	$259	0.1%	$0.03	—	IBDS DEC28 ETF	46435U515
IBDS	ISHARES TR	10,606	$258	0.1%	$0.02	—	IBONDS 27 ETF	46435UAA9
IBTH	ISHARES TR	11,306	$254	0.1%	$0.02	—	IBONDS 27 TRM TS	46436E841
IBTI	ISHARES TR	11,430	$256	0.1%	$0.02	—	IBONDS 28 TRM TS	46436E833
IBTJ	ISHARES TR	11,698	$257	0.1%	$0.02	—	IBONDS 29 TRM TS	46436E825