Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
PM	PHILIP MORRIS INTL INC	4,781	$865K	0.3%	$180.91	—	COM	718172109
NOC	NORTHROP GRUMMAN CORP	915	$466K	0.2%	$509.55	—	COM	666807102
BTI	BRITISH AMERN TOB PLC	6,188	$382K	0.1%	$61.76	—	SPONSORED ADR	110448107
MO	ALTRIA GROUP INC	5,072	$365K	0.1%	$71.95	—	COM	02209S103
V	VISA INC	849	$291K	0.1%	$343.29	—	COM CL A	92826C839
CVX	CHEVRON CORPORATION	1,418	$235K	0.1%	$165.76	—	COM	166764100
IVW	ISHARES TR	1,670	$230K	0.1%	$137.53	—	S&P 500 GRWT ETF	464287309
IJR	ISHARES TR	1,547	$229K	0.1%	$148.31	—	CORE S&P SCP ETF	464287804
BRK/B	BERKSHIRE HATHAWAY INC DEL	427	$214K	0.1%	$500.39	—	CL B NEW	084670702
LMT	LOCKHEED MARTIN CORP	411	$209K	0.1%	$509.46	—	COM	539830109
NVDA	NVIDIA CORPORATION	1,039	$208K	0.1%	$200.09	—	COM	67066G104

Increased Positions (19)

VTI VANGUARD INDEX FDS 21.6%

Value $64.1M (+18.1%) Shares 173,215 (+2.4%) Est. Cost $260.58 Unrealized —

VEU VANGUARD INTL EQUITY INDEX F 16.7%

Value $49.59M (+16.7%) Shares 592,109 (+4.6%) Est. Cost $60.36 Unrealized —

SLYV SPDR SERIES TRUST 7.8%

Value $23.13M (+20.5%) Shares 211,985 (+4.4%) Est. Cost $85.14 Unrealized —

VNQ VANGUARD INDEX FDS 7.1%

Value $21.13M (+14.5%) Shares 219,084 (+5.3%) Est. Cost $89.24 Unrealized —

SCHB SCHWAB STRATEGIC TR 4.5%

Value $13.41M (+22.7%) Shares 462,970 (+6.3%) Est. Cost $30.07 Unrealized —

VWO VANGUARD INTL EQUITY INDEX F 5.3%

Value $15.82M (+17.5%) Shares 265,063 (+6.4%) Est. Cost $45.48 Unrealized —

VXUS VANGUARD STAR FDS 4.7%

Value $14.06M (+12.1%) Shares 164,437 (+1.1%) Est. Cost $60.56 Unrealized —

BND VANGUARD BD INDEX FDS 5.6%

Value $16.45M (+9.2%) Shares 224,108 (+9.5%) Est. Cost $73.27 Unrealized —

MUB ISHARES TR 3.0%

Value $8.88M (+8.4%) Shares 82,514 (+6.9%) Est. Cost $107.48 Unrealized —

AAPL APPLE INC 1.5%

Value $4.507M (+17.0%) Shares 15,574 (+2.6%) Est. Cost $196.01 Unrealized —

SPAB SPDR SERIES TRUST 0.5%

Value $1.613M (+62.8%) Shares 63,191 (+63.4%) Est. Cost $25.57 Unrealized —

SCHF SCHWAB STRATEGIC TR 1.1%

Value $3.259M (+16.7%) Shares 117,643 (+4.3%) Est. Cost $26.18 Unrealized —

SCHH SCHWAB STRATEGIC TR 0.8%

Value $2.369M (+14.0%) Shares 100,039 (+3.5%) Est. Cost $21.00 Unrealized —

VTIP VANGUARD MALVERN FDS 0.1%

Value $434K (+54.0%) Shares 8,635 (+53.2%) Est. Cost $49.44 Unrealized —

USRT ISHARES TR 0.2%

Value $728K (+19.3%) Shares 10,956 (+6.3%) Est. Cost $56.65 Unrealized —

AMZN AMAZON COM INC 0.1%

Value $369K (+30.0%) Shares 1,547 (+13.6%) Est. Cost $163.61 Unrealized —

MSFT MICROSOFT CORP 0.3%

Value $899K (+7.3%) Shares 2,411 (+6.4%) Est. Cost $354.49 Unrealized —

XOM EXXON MOBIL CORP 0.1%

Value $253K (-17.3%) Shares 1,849 (+2.7%) Est. Cost $110.40 Unrealized —

NOBL PROSHARES TR 0.1%

Value $216K (+6.0%) Shares 3,846 (+100.0%) Est. Cost $80.12 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VTI	VANGUARD INDEX FDS	173,215 (+2.4%)	$64.1M (+18.1%)	21.6%	$260.58	—	TOTAL STK MKT	922908769
VEU	VANGUARD INTL EQUITY INDEX F	592,109 (+4.6%)	$49.59M (+16.7%)	16.7%	$60.36	—	ALLWRLD EX US	922042775
SLYV	SPDR SERIES TRUST	211,985 (+4.4%)	$23.13M (+20.5%)	7.8%	$85.14	—	ST STR SP600SM C	78464A300
VNQ	VANGUARD INDEX FDS	219,084 (+5.3%)	$21.13M (+14.5%)	7.1%	$89.24	—	REAL ESTATE ETF	922908553
SCHB	SCHWAB STRATEGIC TR	462,970 (+6.3%)	$13.41M (+22.7%)	4.5%	$30.07	—	US BRD MKT ETF	808524102
VWO	VANGUARD INTL EQUITY INDEX F	265,063 (+6.4%)	$15.82M (+17.5%)	5.3%	$45.48	—	FTSE EMR MKT ETF	922042858
VXUS	VANGUARD STAR FDS	164,437 (+1.1%)	$14.06M (+12.1%)	4.7%	$60.56	—	VG TL INTL STK F	921909768
BND	VANGUARD BD INDEX FDS	224,108 (+9.5%)	$16.45M (+9.2%)	5.6%	$73.27	—	TOTAL BND MRKT	921937835
MUB	ISHARES TR	82,514 (+6.9%)	$8.88M (+8.4%)	3.0%	$107.48	—	NATIONAL MUN ETF	464288414
AAPL	APPLE INC	15,574 (+2.6%)	$4.507M (+17.0%)	1.5%	$196.01	—	COM	037833100
SPAB	SPDR SERIES TRUST	63,191 (+63.4%)	$1.613M (+62.8%)	0.5%	$25.57	—	ST STR AGGRE ETF	78464A649
SCHF	SCHWAB STRATEGIC TR	117,643 (+4.3%)	$3.259M (+16.7%)	1.1%	$26.18	—	INTL EQTY ETF	808524805
SCHH	SCHWAB STRATEGIC TR	100,039 (+3.5%)	$2.369M (+14.0%)	0.8%	$21.00	—	US REIT ETF	808524847
VTIP	VANGUARD MALVERN FDS	8,635 (+53.2%)	$434K (+54.0%)	0.1%	$49.44	—	STRM INFPROIDX	922020805
USRT	ISHARES TR	10,956 (+6.3%)	$728K (+19.3%)	0.2%	$56.65	—	CRE U S REIT ETF	464288521
AMZN	AMAZON COM INC	1,547 (+13.6%)	$369K (+30.0%)	0.1%	$163.61	—	COM	023135106
MSFT	MICROSOFT CORP	2,411 (+6.4%)	$899K (+7.3%)	0.3%	$354.49	—	COM	594918104
XOM	EXXON MOBIL CORP	1,849 (+2.7%)	$253K (-17.3%)	0.1%	$110.40	—	COM	30231G102
NOBL	PROSHARES TR	3,846 (+100.0%)	$216K (+6.0%)	0.1%	$80.12	—	S&P 500 DV ARIST	74348A467

Decreased Positions (9)

VBIL VANGUARD INSTL INDEX FD 0.4%

Value $1.119M (-43.7%) Shares 14,783 (-43.8%) Est. Cost $75.44 Unrealized —

SPEM SPDR INDEX SHS FDS 2.0%

Value $5.931M (+7.6%) Shares 114,545 (-2.5%) Est. Cost $36.67 Unrealized —

SPDW SPDR INDEX SHS FDS 3.6%

Value $10.76M (+2.1%) Shares 213,495 (-7.5%) Est. Cost $36.29 Unrealized —

VTEB VANGUARD MUN BD FDS 1.4%

Value $4.124M (-2.1%) Shares 81,536 (-3.5%) Est. Cost $50.06 Unrealized —

VTWV VANGUARD SCOTTSDALE FDS 0.4%

Value $1.084M (+8.1%) Shares 5,544 (-7.5%) Est. Cost $139.09 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 0.3%

Value $971K (-7.4%) Shares 13,631 (-16.7%) Est. Cost $48.11 Unrealized —

SCHA SCHWAB STRATEGIC TR 0.1%

Value $329K (-8.1%) Shares 9,107 (-26.0%) Est. Cost $35.38 Unrealized —

VOO VANGUARD INDEX FDS 0.2%

Value $525K (+2.1%) Shares 765 (-11.1%) Est. Cost $501.67 Unrealized —

AJG GALLAGHER ARTHUR J & CO 0.1%

Value $259K (+3.5%) Shares 1,128 (-2.3%) Est. Cost $237.42 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VBIL	VANGUARD INSTL INDEX FD	14,783 (-43.8%)	$1.119M (-43.7%)	0.4%	$75.44	—	0 3 MO TR BI ETF	922040845
SPEM	SPDR INDEX SHS FDS	114,545 (-2.5%)	$5.931M (+7.6%)	2.0%	$36.67	—	ST PORT MARK ETF	78463X509
SPDW	SPDR INDEX SHS FDS	213,495 (-7.5%)	$10.76M (+2.1%)	3.6%	$36.29	—	ST STR PO EX ETF	78463X889
VTEB	VANGUARD MUN BD FDS	81,536 (-3.5%)	$4.124M (-2.1%)	1.4%	$50.06	—	TAX EXEMPT BD	922907746
VTWV	VANGUARD SCOTTSDALE FDS	5,544 (-7.5%)	$1.084M (+8.1%)	0.4%	$139.09	—	VNG RUS2000VAL	92206C649
VEA	VANGUARD TAX-MANAGED FDS	13,631 (-16.7%)	$971K (-7.4%)	0.3%	$48.11	—	VAN FTSE DEV MKT	921943858
SCHA	SCHWAB STRATEGIC TR	9,107 (-26.0%)	$329K (-8.1%)	0.1%	$35.38	—	US SML CAP ETF	808524607
VOO	VANGUARD INDEX FDS	765 (-11.1%)	$525K (+2.1%)	0.2%	$501.67	—	S&P 500 ETF SHS	922908363
AJG	GALLAGHER ARTHUR J & CO	1,128 (-2.3%)	$259K (+3.5%)	0.1%	$237.42	—	COM	363576109

Unchanged Positions (21)

VBR VANGUARD INDEX FDS 3.7%

Value $10.89M Shares 44,818 Est. Cost $187.00 Unrealized —

SPYG SPDR SERIES TRUST 1.1%

Value $3.381M Shares 28,414 Est. Cost $67.49 Unrealized —

SPTM SPDR SERIES TRUST 0.6%

Value $1.796M Shares 19,786 Est. Cost $58.78 Unrealized —

VBK VANGUARD INDEX FDS 0.4%

Value $1.195M Shares 3,268 Est. Cost $242.19 Unrealized —

CAT CATERPILLAR INC 0.2%

Value $516K Shares 485 Est. Cost $425.39 Unrealized —

SPYV SPDR SERIES TRUST 0.9%

Value $2.554M Shares 42,016 Est. Cost $47.01 Unrealized —

QQQ INVESCO QQQ TR 0.2%

Value $677K Shares 920 Est. Cost $480.22 Unrealized —

GOOG ALPHABET INC 0.2%

Value $686K Shares 1,941 Est. Cost $142.28 Unrealized —

AVGO BROADCOM INC 0.2%

Value $692K Shares 1,833 Est. Cost $157.43 Unrealized —

SLYG SPDR SERIES TRUST 0.1%

Value $356K Shares 2,990 Est. Cost $86.97 Unrealized —

IEMG ISHARES INC 0.1%

Value $355K Shares 4,289 Est. Cost $60.23 Unrealized —

SPY STATE STR SPDR S&P 500 ETF T 0.1%

Value $360K Shares 482 Est. Cost $572.68 Unrealized —

SPYM SPDR SERIES TRUST 0.1%

Value $300K Shares 3,419 Est. Cost $76.54 Unrealized —

ITOT ISHARES TR 0.1%

Value $286K Shares 1,738 Est. Cost $136.35 Unrealized —

JPM JPMORGAN CHASE & CO 0.1%

Value $369K Shares 1,126 Est. Cost $191.29 Unrealized —

VTV VANGUARD INDEX FDS 0.1%

Value $358K Shares 1,643 Est. Cost $164.11 Unrealized —

VIG VANGUARD SPECIALIZED FUNDS 0.1%

Value $355K Shares 1,499 Est. Cost $184.88 Unrealized —

ABBV ABBVIE INC 0.1%

Value $234K Shares 930 Est. Cost $201.95 Unrealized —

DES WISDOMTREE TR 0.1%

Value $258K Shares 6,347 Est. Cost $31.15 Unrealized —

DGRO ISHARES TR 0.1%

Value $259K Shares 3,411 Est. Cost $62.83 Unrealized —

SDY SPDR SERIES TRUST 0.1%

Value $225K Shares 1,480 Est. Cost $135.68 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VBR	VANGUARD INDEX FDS	44,818	$10.89M	3.7%	$187.00	—	SM CP VAL ETF	922908611
SPYG	SPDR SERIES TRUST	28,414	$3.381M	1.1%	$67.49	—	ST STR P500GRW	78464A409
SPTM	SPDR SERIES TRUST	19,786	$1.796M	0.6%	$58.78	—	ST STR PR SP1500	78464A805
VBK	VANGUARD INDEX FDS	3,268	$1.195M	0.4%	$242.19	—	SML CP GRW ETF	922908595
CAT	CATERPILLAR INC	485	$516K	0.2%	$425.39	—	COM	149123101
SPYV	SPDR SERIES TRUST	42,016	$2.554M	0.9%	$47.01	—	ST STR P500VAL	78464A508
QQQ	INVESCO QQQ TR	920	$677K	0.2%	$480.22	—	UNIT SER 1	46090E103
GOOG	ALPHABET INC	1,941	$686K	0.2%	$142.28	—	CAP STK CL C	02079K107
AVGO	BROADCOM INC	1,833	$692K	0.2%	$157.43	—	COM	11135F101
SLYG	SPDR SERIES TRUST	2,990	$356K	0.1%	$86.97	—	ST STR SP600GRWO	78464A201
IEMG	ISHARES INC	4,289	$355K	0.1%	$60.23	—	CORE MSCI EMKT	46434G103
SPY	STATE STR SPDR S&P 500 ETF T	482	$360K	0.1%	$572.68	—	TR UNIT	78462F103
SPYM	SPDR SERIES TRUST	3,419	$300K	0.1%	$76.54	—	ST STR P500ETF	78464A854
ITOT	ISHARES TR	1,738	$286K	0.1%	$136.35	—	CORE S&P TTL STK	464287150
JPM	JPMORGAN CHASE & CO	1,126	$369K	0.1%	$191.29	—	COM	46625H100
VTV	VANGUARD INDEX FDS	1,643	$358K	0.1%	$164.11	—	VALUE ETF	922908744
VIG	VANGUARD SPECIALIZED FUNDS	1,499	$355K	0.1%	$184.88	—	DIV APP ETF	921908844
ABBV	ABBVIE INC	930	$234K	0.1%	$201.95	—	COM	00287Y109
DES	WISDOMTREE TR	6,347	$258K	0.1%	$31.15	—	US SMALLCAP DIVD	97717W604
DGRO	ISHARES TR	3,411	$259K	0.1%	$62.83	—	CORE DIV GRWTH	46434V621
SDY	SPDR SERIES TRUST	1,480	$225K	0.1%	$135.68	—	ST STR SP DIV	78464A763