Luminvest Wealth Management LLC Long-Term Concentrated

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VUG	VANGUARD INDEX FDS	2,677	$1,306	0.4%	$487.83	—	GROWTH ETF	922908736
VWO	VANGUARD INTL EQUITY INDEX F	9,936	$534	0.1%	$53.76	—	FTSE EMR MKT ETF	922042858
NSC	NORFOLK SOUTHN CORP	800	$231	0.1%	$288.62	0.0%	COM	655844108
FNDX	SCHWAB STRATEGIC TR	8,259	$225	0.1%	$27.21	—	FUNDAMENTAL US L	808524771
XOM	EXXON MOBIL CORP	1,810	$218	0.1%	$115.49	0.0%	COM	30231G102
CGXU	CAPITAL GROUP INTL FOCUS EQT	6,941	$205	0.1%	$29.55	—	SHS CREATION UNI	14019W109
MU	MICRON TECHNOLOGY INC	713	$203	0.1%	$229.35	0.0%	COM	595112103

Increased Positions (21)

VXUS VANGUARD STAR FDS 18.6%

Value ($000) $67,215 (+17.8%) Shares 890,978 (+14.7%) Est. Cost $63.44 Unrealized —

VTI VANGUARD INDEX FDS 26.1%

Value ($000) $94,090 (+10.3%) Shares 280,640 (+8.0%) Est. Cost $276.28 Unrealized —

VCIT VANGUARD SCOTTSDALE FDS 5.2%

Value ($000) $18,571 (+71.3%) Shares 221,739 (+72.0%) Est. Cost $82.79 Unrealized —

VOO VANGUARD INDEX FDS 3.9%

Value ($000) $14,122 (+45.4%) Shares 22,518 (+42.0%) Est. Cost $546.48 Unrealized —

BND VANGUARD BD INDEX FDS 6.5%

Value ($000) $23,397 (+19.0%) Shares 315,871 (+19.5%) Est. Cost $73.75 Unrealized —

BNDX VANGUARD CHARLOTTE FDS 6.1%

Value ($000) $22,031 (+15.7%) Shares 455,930 (+18.4%) Est. Cost $49.32 Unrealized —

VTEB VANGUARD MUN BD FDS 7.4%

Value ($000) $26,772 (+11.6%) Shares 532,359 (+11.1%) Est. Cost $50.43 Unrealized —

VXF VANGUARD INDEX FDS 2.1%

Value ($000) $7,719 (+44.8%) Shares 36,911 (+45.0%) Est. Cost $188.94 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 1.2%

Value ($000) $4,198 (+85.6%) Shares 67,197 (+78.0%) Est. Cost $56.14 Unrealized —

SPY SPDR S&P 500 ETF TR 1.5%

Value ($000) $5,549 (+33.7%) Shares 8,138 (+30.6%) Est. Cost $601.49 Unrealized —

VCSH VANGUARD SCOTTSDALE FDS 2.6%

Value ($000) $9,418 (+14.5%) Shares 118,128 (+17.3%) Est. Cost $78.81 Unrealized —

NVDA NVIDIA CORPORATION 0.4%

Value ($000) $1,430 (+423.0%) Shares 7,665 (+423.2%) Est. Cost $174.61 Unrealized +6.6%

VTV VANGUARD INDEX FDS 1.3%

Value ($000) $4,683 (+26.7%) Shares 24,518 (+23.7%) Est. Cost $171.08 Unrealized —

VO VANGUARD INDEX FDS 0.1%

Value ($000) $531 (+151.6%) Shares 1,830 (+154.5%) Est. Cost $286.99 Unrealized —

VB VANGUARD INDEX FDS 0.3%

Value ($000) $1,184 (+27.0%) Shares 4,590 (+25.2%) Est. Cost $246.24 Unrealized —

VTEC VANGUARD CALIF TAX FREE FDS 0.4%

Value ($000) $1,441 (+19.7%) Shares 14,375 (+19.1%) Est. Cost $98.06 Unrealized —

VGK VANGUARD INTL EQUITY INDEX F 0.2%

Value ($000) $571 (+70.1%) Shares 6,632 (+57.6%) Est. Cost $82.12 Unrealized —

IXUS ISHARES TR 0.5%

Value ($000) $1,703 (+14.2%) Shares 20,116 (+11.5%) Est. Cost $78.07 Unrealized —

VYMI VANGUARD WHITEHALL FDS 0.1%

Value ($000) $525 (+38.6%) Shares 5,832 (+30.4%) Est. Cost $73.99 Unrealized —

SCHB SCHWAB STRATEGIC TR 0.5%

Value ($000) $1,952 (+7.0%) Shares 74,431 (+4.9%) Est. Cost $23.94 Unrealized —

BLV VANGUARD BD INDEX FDS 0.2%

Value ($000) $612 (-0.4%) Shares 8,807 (+1.5%) Est. Cost $73.43 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VXUS	VANGUARD STAR FDS	890,978 (+14.7%)	$67,215 (+17.8%)	18.6%	$63.44	—	VG TL INTL STK F	921909768
VTI	VANGUARD INDEX FDS	280,640 (+8.0%)	$94,090 (+10.3%)	26.1%	$276.28	—	TOTAL STK MKT	922908769
VCIT	VANGUARD SCOTTSDALE FDS	221,739 (+72.0%)	$18,571 (+71.3%)	5.2%	$82.79	—	INT-TERM CORP	92206C870
VOO	VANGUARD INDEX FDS	22,518 (+42.0%)	$14,122 (+45.4%)	3.9%	$546.48	—	S&P 500 ETF SHS	922908363
BND	VANGUARD BD INDEX FDS	315,871 (+19.5%)	$23,397 (+19.0%)	6.5%	$73.75	—	TOTAL BND MRKT	921937835
BNDX	VANGUARD CHARLOTTE FDS	455,930 (+18.4%)	$22,031 (+15.7%)	6.1%	$49.32	—	TOTAL INT BD ETF	92203J407
VTEB	VANGUARD MUN BD FDS	532,359 (+11.1%)	$26,772 (+11.6%)	7.4%	$50.43	—	TAX EXEMPT BD	922907746
VXF	VANGUARD INDEX FDS	36,911 (+45.0%)	$7,719 (+44.8%)	2.1%	$188.94	—	EXTEND MKT ETF	922908652
VEA	VANGUARD TAX-MANAGED FDS	67,197 (+78.0%)	$4,198 (+85.6%)	1.2%	$56.14	—	VAN FTSE DEV MKT	921943858
SPY	SPDR S&P 500 ETF TR	8,138 (+30.6%)	$5,549 (+33.7%)	1.5%	$601.49	—	TR UNIT	78462F103
VCSH	VANGUARD SCOTTSDALE FDS	118,128 (+17.3%)	$9,418 (+14.5%)	2.6%	$78.81	—	SHRT TRM CORP BD	92206C409
NVDA	NVIDIA CORPORATION	7,665 (+423.2%)	$1,430 (+423.0%)	0.4%	$174.61	+6.6%	COM	67066G104
VTV	VANGUARD INDEX FDS	24,518 (+23.7%)	$4,683 (+26.7%)	1.3%	$171.08	—	VALUE ETF	922908744
VO	VANGUARD INDEX FDS	1,830 (+154.5%)	$531 (+151.6%)	0.1%	$286.99	—	MID CAP ETF	922908629
VB	VANGUARD INDEX FDS	4,590 (+25.2%)	$1,184 (+27.0%)	0.3%	$246.24	—	SMALL CP ETF	922908751
VTEC	VANGUARD CALIF TAX FREE FDS	14,375 (+19.1%)	$1,441 (+19.7%)	0.4%	$98.06	—	TAX EXEMPT BD FD	922021605
VGK	VANGUARD INTL EQUITY INDEX F	6,632 (+57.6%)	$571 (+70.1%)	0.2%	$82.12	—	FTSE EUROPE ETF	922042874
IXUS	ISHARES TR	20,116 (+11.5%)	$1,703 (+14.2%)	0.5%	$78.07	—	CORE MSCI TOTAL	46432F834
VYMI	VANGUARD WHITEHALL FDS	5,832 (+30.4%)	$525 (+38.6%)	0.1%	$73.99	—	INTL HIGH ETF	921946794
SCHB	SCHWAB STRATEGIC TR	74,431 (+4.9%)	$1,952 (+7.0%)	0.5%	$23.94	—	US BRD MKT ETF	808524102
BLV	VANGUARD BD INDEX FDS	8,807 (+1.5%)	$612 (-0.4%)	0.2%	$73.43	—	LONG TERM BOND	921937793

Exited Positions (3)

ORCL ORACLE CORP 0.1%

Value ($000) $249 Shares 884 Est. Cost $254.17 Unrealized -6.3%

VPL VANGUARD INTL EQUITY INDEX F 0.1%

Value ($000) $215 Shares 2,448 Est. Cost $87.82 Unrealized —

AMZN AMAZON COM INC 0.1%

Value ($000) $209 Shares 953 Est. Cost $197.89 Unrealized +15.6%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
ORCL	ORACLE CORP	884	$249	0.1%	$254.17	-6.3%	—	68389X105
VPL	VANGUARD INTL EQUITY INDEX F	2,448	$215	0.1%	$87.82	—	—	922042866
AMZN	AMAZON COM INC	953	$209	0.1%	$197.89	+15.6%	—	023135106

Decreased Positions (7)

ITOT ISHARES TR 0.9%

Value ($000) $3,175 (-14.5%) Shares 21,351 (-16.2%) Est. Cost $135.15 Unrealized —

BNDW VANGUARD SCOTTSDALE FDS 0.1%

Value ($000) $374 (-29.6%) Shares 5,437 (-28.7%) Est. Cost $68.00 Unrealized —

AAPL APPLE INC 0.1%

Value ($000) $462 (-16.7%) Shares 1,698 (-22.0%) Est. Cost $184.40 Unrealized +45.5%

SGOV ISHARES TR 0.3%

Value ($000) $1,204 (-5.3%) Shares 11,999 (-5.0%) Est. Cost $100.69 Unrealized —

MSFT MICROSOFT CORP 0.2%

Value ($000) $756 (-7.7%) Shares 1,563 (-1.2%) Est. Cost $397.21 Unrealized +26.0%

VIG VANGUARD SPECIALIZED FUNDS 0.4%

Value ($000) $1,283 (-1.7%) Shares 5,836 (-3.5%) Est. Cost $182.75 Unrealized —

JPM JPMORGAN CHASE & CO. 0.1%

Value ($000) $267 (-0.8%) Shares 827 (-3.0%) Est. Cost $259.01 Unrealized +19.5%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
ITOT	ISHARES TR	21,351 (-16.2%)	$3,175 (-14.5%)	0.9%	$135.15	—	CORE S&P TTL STK	464287150
BNDW	VANGUARD SCOTTSDALE FDS	5,437 (-28.7%)	$374 (-29.6%)	0.1%	$68.00	—	TOTAL WLD BD ETF	92206C565
AAPL	APPLE INC	1,698 (-22.0%)	$462 (-16.7%)	0.1%	$184.40	+45.5%	COM	037833100
SGOV	ISHARES TR	11,999 (-5.0%)	$1,204 (-5.3%)	0.3%	$100.69	—	0-3 MNTH TREASRY	46436E718
MSFT	MICROSOFT CORP	1,563 (-1.2%)	$756 (-7.7%)	0.2%	$397.21	+26.0%	COM	594918104
VIG	VANGUARD SPECIALIZED FUNDS	5,836 (-3.5%)	$1,283 (-1.7%)	0.4%	$182.75	—	DIV APP ETF	921908844
JPM	JPMORGAN CHASE & CO.	827 (-3.0%)	$267 (-0.8%)	0.1%	$259.01	+19.5%	COM	46625H100

Unchanged Positions (15)

VEU VANGUARD INTL EQUITY INDEX F 9.4%

Value ($000) $33,974 Shares 461,852 Est. Cost $62.11 Unrealized —

GOOGL ALPHABET INC 0.1%

Value ($000) $475 Shares 1,518 Est. Cost $169.72 Unrealized +68.3%

HD HOME DEPOT INC 0.1%

Value ($000) $209 Shares 607 Est. Cost $389.16 Unrealized -6.3%

JNJ JOHNSON & JOHNSON 0.1%

Value ($000) $338 Shares 1,632 Est. Cost $141.44 Unrealized +39.3%

VYM VANGUARD WHITEHALL FDS 0.5%

Value ($000) $1,801 Shares 12,549 Est. Cost $129.72 Unrealized —

SCHA SCHWAB STRATEGIC TR 0.2%

Value ($000) $734 Shares 25,780 Est. Cost $36.14 Unrealized —

AVGO BROADCOM INC 0.1%

Value ($000) $253 Shares 730 Est. Cost $215.92 Unrealized +65.3%

INTU INTUIT 0.1%

Value ($000) $240 Shares 363 Est. Cost $614.24 Unrealized +7.6%

IVV ISHARES TR 0.1%

Value ($000) $248 Shares 362 Est. Cost $670.12 Unrealized —

ABBV ABBVIE INC 0.1%

Value ($000) $350 Shares 1,531 Est. Cost $157.12 Unrealized +44.8%

IJH ISHARES TR 0.2%

Value ($000) $786 Shares 11,914 Est. Cost $62.48 Unrealized —

IWR ISHARES TR 0.4%

Value ($000) $1,449 Shares 15,056 Est. Cost $88.23 Unrealized —

IWM ISHARES TR 0.1%

Value ($000) $227 Shares 924 Est. Cost $223.14 Unrealized —

VTEI VANGUARD MUN BD FDS 0.1%

Value ($000) $482 Shares 4,782 Est. Cost $100.87 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.2%

Value ($000) $712 Shares 1,416 Est. Cost $351.65 Unrealized +41.5%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VEU	VANGUARD INTL EQUITY INDEX F	461,852	$33,974	9.4%	$62.11	—	ALLWRLD EX US	922042775
GOOGL	ALPHABET INC	1,518	$475	0.1%	$169.72	+68.3%	CAP STK CL A	02079K305
HD	HOME DEPOT INC	607	$209	0.1%	$389.16	-6.3%	COM	437076102
JNJ	JOHNSON & JOHNSON	1,632	$338	0.1%	$141.44	+39.3%	COM	478160104
VYM	VANGUARD WHITEHALL FDS	12,549	$1,801	0.5%	$129.72	—	HIGH DIV YLD	921946406
SCHA	SCHWAB STRATEGIC TR	25,780	$734	0.2%	$36.14	—	US SML CAP ETF	808524607
AVGO	BROADCOM INC	730	$253	0.1%	$215.92	+65.3%	COM	11135F101
INTU	INTUIT	363	$240	0.1%	$614.24	+7.6%	COM	461202103
IVV	ISHARES TR	362	$248	0.1%	$670.12	—	CORE S&P500 ETF	464287200
ABBV	ABBVIE INC	1,531	$350	0.1%	$157.12	+44.8%	COM	00287Y109
IJH	ISHARES TR	11,914	$786	0.2%	$62.48	—	CORE S&P MCP ETF	464287507
IWR	ISHARES TR	15,056	$1,449	0.4%	$88.23	—	RUS MID CAP ETF	464287499
IWM	ISHARES TR	924	$227	0.1%	$223.14	—	RUSSELL 2000 ETF	464287655
VTEI	VANGUARD MUN BD FDS	4,782	$482	0.1%	$100.87	—	INTERMEDIATE TRM	922907738
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,416	$712	0.2%	$351.65	+41.5%	CL B NEW	084670702