Brightwater Advisory LLC Diversified Active

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
FNDF	SCHWAB STRATEGIC TR	78,974 (+3.4%)	$3,570 (+8.8%)	2.4%	$36.39	—	FUNDAMENTAL INTL	808524755
TFPN	TIDAL TRUST II	204,553 (+1.7%)	$5,255 (+5.3%)	3.6%	$25.06	—	BLUEPRINT CHESAP	88636J873
VONV	VANGUARD SCOTTSDALE FDS	18,786 (+9.6%)	$1,734 (+13.2%)	1.2%	$82.16	—	VNG RUS1000VAL	92206C714
SCHP	SCHWAB STRATEGIC TR	366,094 (+3.3%)	$9,698 (+1.6%)	6.6%	$37.71	—	US TIPS ETF	808524870
IJH	ISHARES TR	42,114 (+3.9%)	$2,780 (+5.0%)	1.9%	$59.71	—	CORE S&P MCP ETF	464287507
CGV	TWO RDS SHARED TR	232,121 (+2.9%)	$3,419 (+3.3%)	2.3%	$13.11	—	CONDCTR GBL EQTY	90214Q584
XSVM	INVESCO EXCHANGE TRADED FD T	14,166 (+8.7%)	$809 (+10.0%)	0.5%	$54.13	—	S&P SMCP VLU MNT	46137V480
VEA	VANGUARD TAX-MANAGED FDS	4,870 (+2.6%)	$304 (+7.0%)	0.2%	$57.15	—	VAN FTSE DEV MKT	921943858
SCHG	SCHWAB STRATEGIC TR	9,411 (+1.7%)	$307 (+3.9%)	0.2%	$41.29	—	US LCAP GR ETF	808524300

Exited Positions (2)

BIV VANGUARD BD INDEX FDS 0.2%

Value ($000) $233 Shares 2,988 Est. Cost $75.39 Unrealized —

MDT MEDTRONIC PLC 0.0%

Value ($000) $56 Shares 583 Est. Cost $82.70 Unrealized +17.5%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
BIV	VANGUARD BD INDEX FDS	2,988	$233	0.2%	$75.39	—	—	921937819
MDT	MEDTRONIC PLC	583	$56	0.0%	$82.70	+17.5%	—	G5960L103

Decreased Positions (15)

AFL AFLAC INC 1.5%

Value ($000) $2,227 (-25.6%) Shares 20,192 (-24.6%) Est. Cost $78.62 Unrealized +39.7%

GOOGL ALPHABET INC 0.5%

Value ($000) $720 (+24.3%) Shares 2,300 (-3.5%) Est. Cost $172.67 Unrealized +65.4%

FNDB SCHWAB STRATEGIC TR 5.0%

Value ($000) $7,443 (+1.7%) Shares 280,115 (-1.4%) Est. Cost $38.47 Unrealized —

AAPL APPLE INC 1.6%

Value ($000) $2,437 (-3.8%) Shares 8,966 (-9.9%) Est. Cost $185.40 Unrealized +44.7%

VWO VANGUARD INTL EQUITY INDEX F 2.1%

Value ($000) $3,104 (-1.9%) Shares 57,740 (-1.1%) Est. Cost $41.10 Unrealized —

FNDA SCHWAB STRATEGIC TR 2.9%

Value ($000) $4,313 (-0.9%) Shares 136,881 (-2.0%) Est. Cost $44.12 Unrealized —

JMOM J P MORGAN EXCHANGE TRADED F 0.3%

Value ($000) $479 (-6.7%) Shares 7,032 (-7.1%) Est. Cost $52.68 Unrealized —

DWM WISDOMTREE TR 0.5%

Value ($000) $789 (+2.1%) Shares 11,473 (-1.7%) Est. Cost $54.80 Unrealized —

VTI VANGUARD INDEX FDS 1.0%

Value ($000) $1,478 (+1.0%) Shares 4,408 (-1.1%) Est. Cost $256.29 Unrealized —

VBR VANGUARD INDEX FDS 0.2%

Value ($000) $361 (-2.8%) Shares 1,703 (-4.2%) Est. Cost $180.04 Unrealized —

RSP INVESCO EXCHANGE TRADED FD T 2.1%

Value ($000) $3,094 (-0.3%) Shares 16,149 (-1.2%) Est. Cost $157.80 Unrealized —

MDY SPDR S&P MIDCAP 400 ETF TR 0.5%

Value ($000) $710 (-0.6%) Shares 1,177 (-1.8%) Est. Cost $527.90 Unrealized —

IJR ISHARES TR 0.5%

Value ($000) $696 (-0.4%) Shares 5,790 (-1.5%) Est. Cost $108.25 Unrealized —

VEU VANGUARD INTL EQUITY INDEX F 0.2%

Value ($000) $330 (+0.4%) Shares 4,492 (-2.6%) Est. Cost $56.20 Unrealized —

ILCB ISHARES TR 0.4%

Value ($000) $550 (-0.0%) Shares 5,831 (-2.1%) Est. Cost $77.26 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
AFL	AFLAC INC	20,192 (-24.6%)	$2,227 (-25.6%)	1.5%	$78.62	+39.7%	COM	001055102
GOOGL	ALPHABET INC	2,300 (-3.5%)	$720 (+24.3%)	0.5%	$172.67	+65.4%	CAP STK CL A	02079K305
FNDB	SCHWAB STRATEGIC TR	280,115 (-1.4%)	$7,443 (+1.7%)	5.0%	$38.47	—	FUNDAMENTAL US B	808524789
AAPL	APPLE INC	8,966 (-9.9%)	$2,437 (-3.8%)	1.6%	$185.40	+44.7%	COM	037833100
VWO	VANGUARD INTL EQUITY INDEX F	57,740 (-1.1%)	$3,104 (-1.9%)	2.1%	$41.10	—	FTSE EMR MKT ETF	922042858
FNDA	SCHWAB STRATEGIC TR	136,881 (-2.0%)	$4,313 (-0.9%)	2.9%	$44.12	—	FUNDAMENTAL US S	808524763
JMOM	J P MORGAN EXCHANGE TRADED F	7,032 (-7.1%)	$479 (-6.7%)	0.3%	$52.68	—	US MOMENTUM	46641Q779
DWM	WISDOMTREE TR	11,473 (-1.7%)	$789 (+2.1%)	0.5%	$54.80	—	INTL EQUITY FD	97717W703
VTI	VANGUARD INDEX FDS	4,408 (-1.1%)	$1,478 (+1.0%)	1.0%	$256.29	—	TOTAL STK MKT	922908769
VBR	VANGUARD INDEX FDS	1,703 (-4.2%)	$361 (-2.8%)	0.2%	$180.04	—	SM CP VAL ETF	922908611
RSP	INVESCO EXCHANGE TRADED FD T	16,149 (-1.2%)	$3,094 (-0.3%)	2.1%	$157.80	—	S&P500 EQL WGT	46137V357
MDY	SPDR S&P MIDCAP 400 ETF TR	1,177 (-1.8%)	$710 (-0.6%)	0.5%	$527.90	—	UTSER1 S&PDCRP	78467Y107
IJR	ISHARES TR	5,790 (-1.5%)	$696 (-0.4%)	0.5%	$108.25	—	CORE S&P SCP ETF	464287804
VEU	VANGUARD INTL EQUITY INDEX F	4,492 (-2.6%)	$330 (+0.4%)	0.2%	$56.20	—	ALLWRLD EX US	922042775
ILCB	ISHARES TR	5,831 (-2.1%)	$550 (-0.0%)	0.4%	$77.26	—	MORNINGSTR US EQ	464287127

Unchanged Positions (33)

SCHF SCHWAB STRATEGIC TR 8.9%

Value ($000) $13,127 Shares 546,043 Est. Cost $27.27 Unrealized —

IWD ISHARES TR 4.0%

Value ($000) $5,941 Shares 28,246 Est. Cost $165.25 Unrealized —

SCHB SCHWAB STRATEGIC TR 5.8%

Value ($000) $8,563 Shares 326,449 Est. Cost $31.40 Unrealized —

GOOG ALPHABET INC 0.4%

Value ($000) $622 Shares 1,983 Est. Cost $168.80 Unrealized +69.6%

SPY SPDR S&P 500 ETF TR 5.9%

Value ($000) $8,757 Shares 12,842 Est. Cost $475.31 Unrealized —

VIG VANGUARD SPECIALIZED FUNDS 4.3%

Value ($000) $6,370 Shares 28,983 Est. Cost $170.40 Unrealized —

MSFT MICROSOFT CORP 0.9%

Value ($000) $1,370 Shares 2,832 Est. Cost $412.40 Unrealized +21.4%

ACWX ISHARES TR 2.2%

Value ($000) $3,262 Shares 48,593 Est. Cost $54.60 Unrealized —

HD HOME DEPOT INC 0.3%

Value ($000) $511 Shares 1,484 Est. Cost $301.36 Unrealized +21.0%

SCHE SCHWAB STRATEGIC TR 3.6%

Value ($000) $5,255 Shares 160,459 Est. Cost $24.84 Unrealized —

VB VANGUARD INDEX FDS 4.3%

Value ($000) $6,376 Shares 24,719 Est. Cost $214.46 Unrealized —

JNJ JOHNSON & JOHNSON 0.5%

Value ($000) $757 Shares 3,656 Est. Cost $144.03 Unrealized +36.8%

TIP ISHARES TR 3.8%

Value ($000) $5,661 Shares 51,505 Est. Cost $107.45 Unrealized —

CAT CATERPILLAR INC 0.2%

Value ($000) $351 Shares 612 Est. Cost $330.84 Unrealized +67.9%

ITB ISHARES TR 0.3%

Value ($000) $517 Shares 5,365 Est. Cost $101.73 Unrealized —

IJJ ISHARES TR 2.9%

Value ($000) $4,341 Shares 32,989 Est. Cost $114.04 Unrealized —

EFA ISHARES TR 1.5%

Value ($000) $2,153 Shares 22,417 Est. Cost $75.35 Unrealized —

XOM EXXON MOBIL CORP 0.5%

Value ($000) $679 Shares 5,640 Est. Cost $97.75 Unrealized +18.1%

AMZN AMAZON COM INC 0.5%

Value ($000) $701 Shares 3,036 Est. Cost $170.53 Unrealized +34.2%

CSCO CISCO SYS INC 0.2%

Value ($000) $345 Shares 4,475 Est. Cost $48.11 Unrealized +53.4%

IWF ISHARES TR 2.5%

Value ($000) $3,767 Shares 7,958 Est. Cost $303.17 Unrealized —

GLD SPDR GOLD TR 0.2%

Value ($000) $339 Shares 855 Est. Cost $288.76 Unrealized —

IJK ISHARES TR 3.0%

Value ($000) $4,470 Shares 46,138 Est. Cost $79.22 Unrealized —

VT VANGUARD INTL EQUITY INDEX F 0.7%

Value ($000) $1,066 Shares 7,558 Est. Cost $102.88 Unrealized —

KO COCA COLA CO 0.2%

Value ($000) $358 Shares 5,117 Est. Cost $53.26 Unrealized +30.3%

JPM JPMORGAN CHASE & CO. 0.5%

Value ($000) $679 Shares 2,106 Est. Cost $148.28 Unrealized +108.7%

AEE AMEREN CORP 0.2%

Value ($000) $300 Shares 3,000 Est. Cost $70.97 Unrealized +43.7%

XLF SELECT SECTOR SPDR TR 0.4%

Value ($000) $650 Shares 11,876 Est. Cost $37.60 Unrealized —

ACWI ISHARES TR 0.4%

Value ($000) $595 Shares 4,208 Est. Cost $101.77 Unrealized —

VYM VANGUARD WHITEHALL FDS 0.3%

Value ($000) $384 Shares 2,674 Est. Cost $111.63 Unrealized —

SHY ISHARES TR 0.9%

Value ($000) $1,324 Shares 15,990 Est. Cost $82.02 Unrealized —

IEI ISHARES TR 0.2%

Value ($000) $270 Shares 2,259 Est. Cost $118.29 Unrealized —

NVDA NVIDIA CORPORATION 0.6%

Value ($000) $930 Shares 4,984 Est. Cost $95.66 Unrealized +94.6%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
SCHF	SCHWAB STRATEGIC TR	546,043	$13,127	8.9%	$27.27	—	INTL EQTY ETF	808524805
IWD	ISHARES TR	28,246	$5,941	4.0%	$165.25	—	RUS 1000 VAL ETF	464287598
SCHB	SCHWAB STRATEGIC TR	326,449	$8,563	5.8%	$31.40	—	US BRD MKT ETF	808524102
GOOG	ALPHABET INC	1,983	$622	0.4%	$168.80	+69.6%	CAP STK CL C	02079K107
SPY	SPDR S&P 500 ETF TR	12,842	$8,757	5.9%	$475.31	—	TR UNIT	78462F103
VIG	VANGUARD SPECIALIZED FUNDS	28,983	$6,370	4.3%	$170.40	—	DIV APP ETF	921908844
MSFT	MICROSOFT CORP	2,832	$1,370	0.9%	$412.40	+21.4%	COM	594918104
ACWX	ISHARES TR	48,593	$3,262	2.2%	$54.60	—	MSCI ACWI EX US	464288240
HD	HOME DEPOT INC	1,484	$511	0.3%	$301.36	+21.0%	COM	437076102
SCHE	SCHWAB STRATEGIC TR	160,459	$5,255	3.6%	$24.84	—	EMRG MKTEQ ETF	808524706
VB	VANGUARD INDEX FDS	24,719	$6,376	4.3%	$214.46	—	SMALL CP ETF	922908751
JNJ	JOHNSON & JOHNSON	3,656	$757	0.5%	$144.03	+36.8%	COM	478160104
TIP	ISHARES TR	51,505	$5,661	3.8%	$107.45	—	TIPS BD ETF	464287176
CAT	CATERPILLAR INC	612	$351	0.2%	$330.84	+67.9%	COM	149123101
ITB	ISHARES TR	5,365	$517	0.3%	$101.73	—	US HOME CONS ETF	464288752
IJJ	ISHARES TR	32,989	$4,341	2.9%	$114.04	—	S&P MC 400VL ETF	464287705
EFA	ISHARES TR	22,417	$2,153	1.5%	$75.35	—	MSCI EAFE ETF	464287465
XOM	EXXON MOBIL CORP	5,640	$679	0.5%	$97.75	+18.1%	COM	30231G102
AMZN	AMAZON COM INC	3,036	$701	0.5%	$170.53	+34.2%	COM	023135106
CSCO	CISCO SYS INC	4,475	$345	0.2%	$48.11	+53.4%	COM	17275R102
IWF	ISHARES TR	7,958	$3,767	2.5%	$303.17	—	RUS 1000 GRW ETF	464287614
GLD	SPDR GOLD TR	855	$339	0.2%	$288.76	—	GOLD SHS	78463V107
IJK	ISHARES TR	46,138	$4,470	3.0%	$79.22	—	S&P MC 400GR ETF	464287606
VT	VANGUARD INTL EQUITY INDEX F	7,558	$1,066	0.7%	$102.88	—	TT WRLD ST ETF	922042742
KO	COCA COLA CO	5,117	$358	0.2%	$53.26	+30.3%	COM	191216100
JPM	JPMORGAN CHASE & CO.	2,106	$679	0.5%	$148.28	+108.7%	COM	46625H100
AEE	AMEREN CORP	3,000	$300	0.2%	$70.97	+43.7%	COM	023608102
XLF	SELECT SECTOR SPDR TR	11,876	$650	0.4%	$37.60	—	STATE STREET FIN	81369Y605
ACWI	ISHARES TR	4,208	$595	0.4%	$101.77	—	MSCI ACWI ETF	464288257
VYM	VANGUARD WHITEHALL FDS	2,674	$384	0.3%	$111.63	—	HIGH DIV YLD	921946406
SHY	ISHARES TR	15,990	$1,324	0.9%	$82.02	—	1 3 YR TREAS BD	464287457
IEI	ISHARES TR	2,259	$270	0.2%	$118.29	—	3 7 YR TREAS BD	464288661
NVDA	NVIDIA CORPORATION	4,984	$930	0.6%	$95.66	+94.6%	COM	67066G104