Urban Financial Advisory Corp Long-Term Concentrated

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
FNDX	SCHWAB STRATEGIC TR	794,139 (+13.0%)	$21,609 (+16.9%)	8.5%	$33.10	—	FUNDAMENTAL US L	808524771
IJH	ISHARES TR	490,524 (+3.3%)	$32,375 (+4.5%)	12.7%	$104.24	—	CORE S&P MCP ETF	464287507
VOO	VANGUARD INDEX FDS	3,139 (+177.5%)	$1,969 (+184.3%)	0.8%	$593.16	—	S&P 500 ETF SHS	922908363
IEFA	ISHARES TR	118,349 (+9.3%)	$10,587 (+12.0%)	4.2%	$73.97	—	CORE MSCI EAFE	46432F842
IJR	ISHARES TR	44,001 (+16.7%)	$5,288 (+18.0%)	2.1%	$110.12	—	CORE S&P SCP ETF	464287804
EEM	ISHARES TR	111,704 (+4.4%)	$6,111 (+7.0%)	2.4%	$42.93	—	MSCI EMG MKT ETF	464287234
VT	VANGUARD INTL EQUITY INDEX F	1,853 (+117.5%)	$261 (+122.6%)	0.1%	$126.02	—	TT WRLD ST ETF	922042742
EFA	ISHARES TR	28,915 (+1.8%)	$2,777 (+4.7%)	1.1%	$76.49	—	MSCI EAFE ETF	464287465
FDM	FIRST TR EXCHANGE-TRADED FD	12,320 (+5.7%)	$981 (+11.1%)	0.4%	$75.96	—	COM SHS ANNUAL	33718M105
VNQI	VANGUARD INTL EQUITY INDEX F	32,361 (+8.9%)	$1,483 (+4.5%)	0.6%	$43.31	—	GLB EX US ETF	922042676
XLRE	SELECT SECTOR SPDR TR	28,540 (+8.6%)	$1,152 (+4.0%)	0.5%	$40.41	—	STATE STREET REA	81369Y860
VB	VANGUARD INDEX FDS	1,790 (+8.6%)	$462 (+10.1%)	0.2%	$226.26	—	SMALL CP ETF	922908751
VEA	VANGUARD TAX-MANAGED FDS	11,498 (+1.5%)	$718 (+5.8%)	0.3%	$51.63	—	VAN FTSE DEV MKT	921943858
VWO	VANGUARD INTL EQUITY INDEX F	7,807 (+7.4%)	$420 (+6.5%)	0.2%	$45.31	—	FTSE EMR MKT ETF	922042858
SPDW	SPDR INDEX SHS FDS	9,248 (+2.6%)	$411 (+6.5%)	0.2%	$40.96	—	PORTFOLIO DEVLPD	78463X889
DMXF	ISHARES TR	10,606 (+3.3%)	$797 (+2.6%)	0.3%	$74.46	—	ESG EAFE ETF	46436E759
EFV	ISHARES TR	3,668 (+2.3%)	$262 (+7.7%)	0.1%	$58.18	—	EAFE VALUE ETF	464288877
GWX	SPDR INDEX SHS FDS	13,686 (+1.6%)	$559 (+3.4%)	0.2%	$31.97	—	S&P INTL SMLCP	78463X871
VO	VANGUARD INDEX FDS	1,988 (+3.3%)	$577 (+2.1%)	0.2%	$261.53	—	MID CAP ETF	922908629
SPEM	SPDR INDEX SHS FDS	9,962 (+2.5%)	$466 (+2.5%)	0.2%	$40.15	—	PORTFOLIO EMG MK	78463X509
REET	ISHARES TR	3,131 (+12.3%)	$78 (+9.6%)	0.0%	$24.41	—	GLOBAL REIT ETF	46434V647
EFG	ISHARES TR	3,681 (+1.6%)	$419 (+1.6%)	0.2%	$97.87	—	EAFE GRWTH ETF	464288885
VSGX	VANGUARD WORLD FD	1,390 (+1.2%)	$100 (+4.5%)	0.0%	$61.67	—	ESG INTL STK ETF	921910725
RWR	SPDR SERIES TRUST	4,735 (+1.2%)	$465 (-0.8%)	0.2%	$95.40	—	STATE STREET SPD	78464A607
VCIT	VANGUARD SCOTTSDALE FDS	2,009 (+1.6%)	$168 (+1.1%)	0.1%	$83.71	—	INT-TERM CORP	92206C870
ESGE	ISHARES INC	958 (+1.7%)	$42 (+3.5%)	0.0%	$36.50	—	ESG AWR MSCI EM	46434G863
NUMV	NUSHARES ETF TR	580 (+1.6%)	$23 (+2.6%)	0.0%	$36.86	—	NUVEEN ESG MIDVL	67092P508
SPHY	SPDR SERIES TRUST	1,657 (+2.4%)	$39 (+1.3%)	0.0%	$24.02	—	STATE STREET SPD	78468R606

Decreased Positions (1)

SLYG SPDR SERIES TRUST 0.2%

Value ($000) $457 (-5.2%) Shares 4,855 (-5.1%) Est. Cost $86.41 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
SLYG	SPDR SERIES TRUST	4,855 (-5.1%)	$457 (-5.2%)	0.2%	$86.41	—	STATE STREET SPD	78464A201

Unchanged Positions (22)

SPY SPDR S&P 500 ETF TR 37.9%

Value ($000) $96,613 Shares 141,678 Est. Cost $476.52 Unrealized —

PICB INVESCO EXCH TRADED FD TR II 8.5%

Value ($000) $21,696 Shares 908,572 Est. Cost $22.36 Unrealized —

IWC ISHARES TR 0.2%

Value ($000) $613 Shares 3,888 Est. Cost $115.90 Unrealized —

VCSH VANGUARD SCOTTSDALE FDS 5.0%

Value ($000) $12,823 Shares 160,831 Est. Cost $77.61 Unrealized —

IWM ISHARES TR 0.2%

Value ($000) $598 Shares 2,431 Est. Cost $200.69 Unrealized —

MDY SPDR S&P MIDCAP 400 ETF TR 0.3%

Value ($000) $746 Shares 1,236 Est. Cost $507.31 Unrealized —

VV VANGUARD INDEX FDS 0.1%

Value ($000) $282 Shares 897 Est. Cost $239.65 Unrealized —

SCHF SCHWAB STRATEGIC TR 0.1%

Value ($000) $204 Shares 8,482 Est. Cost $29.81 Unrealized —

SNPE DBX ETF TR 0.0%

Value ($000) $124 Shares 1,985 Est. Cost $52.58 Unrealized —

MDYV SPDR SERIES TRUST 0.1%

Value ($000) $235 Shares 2,781 Est. Cost $75.81 Unrealized —

SPYV SPDR SERIES TRUST 0.1%

Value ($000) $130 Shares 2,282 Est. Cost $52.68 Unrealized —

SLYV SPDR SERIES TRUST 0.0%

Value ($000) $125 Shares 1,376 Est. Cost $84.79 Unrealized —

VNQ VANGUARD INDEX FDS 0.0%

Value ($000) $112 Shares 1,266 Est. Cost $97.42 Unrealized —

MDYG SPDR SERIES TRUST 0.0%

Value ($000) $104 Shares 1,122 Est. Cost $87.74 Unrealized —

IEMG ISHARES INC 0.0%

Value ($000) $53 Shares 785 Est. Cost $57.41 Unrealized —

DFAS DIMENSIONAL ETF TRUST 0.0%

Value ($000) $58 Shares 839 Est. Cost $65.08 Unrealized —

VTI VANGUARD INDEX FDS 0.0%

Value ($000) $44 Shares 131 Est. Cost $283.16 Unrealized —

NUMG NUSHARES ETF TR 0.0%

Value ($000) $21 Shares 449 Est. Cost $44.83 Unrealized —

IBND SPDR SERIES TRUST 0.0%

Value ($000) $29 Shares 905 Est. Cost $30.60 Unrealized —

ESML ISHARES TR 0.0%

Value ($000) $0 Shares 1 Est. Cost $41.81 Unrealized —

EEMX SPDR INDEX SHS FDS 0.0%

Value ($000) $0 Shares 1 Est. Cost $25.00 Unrealized —

XJH ISHARES TR 0.0%

Value ($000) $0 Shares 1 Est. Cost $37.00 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
SPY	SPDR S&P 500 ETF TR	141,678	$96,613	37.9%	$476.52	—	TR UNIT	78462F103
PICB	INVESCO EXCH TRADED FD TR II	908,572	$21,696	8.5%	$22.36	—	INTL CORP BD	46138E636
IWC	ISHARES TR	3,888	$613	0.2%	$115.90	—	MICRO-CAP ETF	464288869
VCSH	VANGUARD SCOTTSDALE FDS	160,831	$12,823	5.0%	$77.61	—	SHRT TRM CORP BD	92206C409
IWM	ISHARES TR	2,431	$598	0.2%	$200.69	—	RUSSELL 2000 ETF	464287655
MDY	SPDR S&P MIDCAP 400 ETF TR	1,236	$746	0.3%	$507.31	—	UTSER1 S&PDCRP	78467Y107
VV	VANGUARD INDEX FDS	897	$282	0.1%	$239.65	—	LARGE CAP ETF	922908637
SCHF	SCHWAB STRATEGIC TR	8,482	$204	0.1%	$29.81	—	INTL EQTY ETF	808524805
SNPE	DBX ETF TR	1,985	$124	0.0%	$52.58	—	XTRACKRS S&P 500	233051143
MDYV	SPDR SERIES TRUST	2,781	$235	0.1%	$75.81	—	STATE STREET SPD	78464A839
SPYV	SPDR SERIES TRUST	2,282	$130	0.1%	$52.68	—	STATE STREET SPD	78464A508
SLYV	SPDR SERIES TRUST	1,376	$125	0.0%	$84.79	—	STATE STREET SPD	78464A300
VNQ	VANGUARD INDEX FDS	1,266	$112	0.0%	$97.42	—	REAL ESTATE ETF	922908553
MDYG	SPDR SERIES TRUST	1,122	$104	0.0%	$87.74	—	STATE STREET SPD	78464A821
IEMG	ISHARES INC	785	$53	0.0%	$57.41	—	CORE MSCI EMKT	46434G103
DFAS	DIMENSIONAL ETF TRUST	839	$58	0.0%	$65.08	—	US SMALL CAP ETF	25434V500
VTI	VANGUARD INDEX FDS	131	$44	0.0%	$283.16	—	TOTAL STK MKT	922908769
NUMG	NUSHARES ETF TR	449	$21	0.0%	$44.83	—	NUVEEN ESG MIDCP	67092P409
IBND	SPDR SERIES TRUST	905	$29	0.0%	$30.60	—	BLOOMBERG INTL	78464A151
ESML	ISHARES TR	1	$0	0.0%	$41.81	—	ESG AWARE MSCI	46435U663
EEMX	SPDR INDEX SHS FDS	1	$0	0.0%	$25.00	—	MSCI EMR MKT ETF	78470E205
XJH	ISHARES TR	1	$0	0.0%	$37.00	—	ESG SELECT SCRE	46436E551