Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
EMLC	VANECK ETF TRUST	255,469	$6.53M	5.7%	$25.56	—	JP MRGAN EM LOC	92189H300
PICK	ISHARES INC	9,193	$535K	0.5%	$58.15	—	MSCI GBL ETF NEW	46434G848
EMR	EMERSON ELEC CO	2,746	$393K	0.3%	$143.15	—	COM	291011104
SLX	VANECK ETF TRUST	3,235	$318K	0.3%	$98.41	—	STEEL ETF	92189F205
UNH	UNITEDHEALTH GROUP INC	582	$242K	0.2%	$415.63	—	COM	91324P102
EBAY	EBAY INC.	1,970	$220K	0.2%	$111.75	—	COM	278642103

Increased Positions (1)

MSFT MICROSOFT CORP 0.5%

Value $547K (+101.7%) Shares 1,465 (+100.1%) Est. Cost $397.69 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
MSFT	MICROSOFT CORP	1,465 (+100.1%)	$547K (+101.7%)	0.5%	$397.69	—	COM	594918104

Exited Positions (1)

FISV FISERV INC 0.2%

Value $263K Shares 4,717 Est. Cost $83.25 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
FISV	FISERV INC	4,717	$263K	0.2%	$83.25	—	—	337738108

Decreased Positions (13)

SCHV SCHWAB STRATEGIC TR 16.9%

Value $19.33M (+12.5%) Shares 555,333 (-1.4%) Est. Cost $30.50 Unrealized —

VBR VANGUARD INDEX FDS 9.0%

Value $10.27M (+10.2%) Shares 42,250 (-1.5%) Est. Cost $217.25 Unrealized —

DXJ WISDOMTREE TR 11.3%

Value $12.95M (+5.9%) Shares 74,610 (-3.3%) Est. Cost $110.29 Unrealized —

EMXC ISHARES INC 1.3%

Value $1.518M (+24.5%) Shares 14,835 (-4.3%) Est. Cost $78.66 Unrealized —

GOOGL ALPHABET INC 1.5%

Value $1.718M (+18.6%) Shares 4,808 (-4.5%) Est. Cost $323.29 Unrealized —

GDX VANECK ETF TRUST 0.5%

Value $596K (-20.6%) Shares 7,893 (-3.5%) Est. Cost $91.77 Unrealized —

ETSY ETSY INC 0.3%

Value $377K (+46.9%) Shares 5,007 (-2.5%) Est. Cost $55.84 Unrealized —

LOW LOWES COS INC 0.6%

Value $648K (-15.1%) Shares 2,938 (-9.0%) Est. Cost $261.54 Unrealized —

VCIT VANGUARD SCOTTSDALE FDS 4.1%

Value $4.66M (-2.4%) Shares 56,383 (-2.3%) Est. Cost $82.75 Unrealized —

C CITIGROUP INC 0.2%

Value $265K (+11.1%) Shares 1,895 (-10.0%) Est. Cost $65.49 Unrealized —

ADP AUTOMATIC DATA PROCESSING IN 0.3%

Value $383K (+5.7%) Shares 1,711 (-4.1%) Est. Cost $287.90 Unrealized —

PAYX PAYCHEX INC 0.5%

Value $572K (+3.1%) Shares 5,817 (-3.4%) Est. Cost $137.31 Unrealized —

XYZ BLOCK INC 0.3%

Value $292K (+4.5%) Shares 3,838 (-17.2%) Est. Cost $73.06 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHV	SCHWAB STRATEGIC TR	555,333 (-1.4%)	$19.33M (+12.5%)	16.9%	$30.50	—	US LCAP VA ETF	808524409
VBR	VANGUARD INDEX FDS	42,250 (-1.5%)	$10.27M (+10.2%)	9.0%	$217.25	—	SM CP VAL ETF	922908611
DXJ	WISDOMTREE TR	74,610 (-3.3%)	$12.95M (+5.9%)	11.3%	$110.29	—	JAPN HEDGE EQT	97717W851
EMXC	ISHARES INC	14,835 (-4.3%)	$1.518M (+24.5%)	1.3%	$78.66	—	MSCI EMRG CHN	46434G764
GOOGL	ALPHABET INC	4,808 (-4.5%)	$1.718M (+18.6%)	1.5%	$323.29	—	CAP STK CL A	02079K305
GDX	VANECK ETF TRUST	7,893 (-3.5%)	$596K (-20.6%)	0.5%	$91.77	—	GOLD MINERS ETF	92189F106
ETSY	ETSY INC	5,007 (-2.5%)	$377K (+46.9%)	0.3%	$55.84	—	COM	29786A106
LOW	LOWES COS INC	2,938 (-9.0%)	$648K (-15.1%)	0.6%	$261.54	—	COM	548661107
VCIT	VANGUARD SCOTTSDALE FDS	56,383 (-2.3%)	$4.66M (-2.4%)	4.1%	$82.75	—	INT-TERM CORP	92206C870
C	CITIGROUP INC	1,895 (-10.0%)	$265K (+11.1%)	0.2%	$65.49	—	COM NEW	172967424
ADP	AUTOMATIC DATA PROCESSING IN	1,711 (-4.1%)	$383K (+5.7%)	0.3%	$287.90	—	COM	053015103
PAYX	PAYCHEX INC	5,817 (-3.4%)	$572K (+3.1%)	0.5%	$137.31	—	COM	704326107
XYZ	BLOCK INC	3,838 (-17.2%)	$292K (+4.5%)	0.3%	$73.06	—	CL A	852234103

Unchanged Positions (12)

AAPL APPLE INC 2.2%

Value $2.487M Shares 8,595 Est. Cost $234.51 Unrealized —

VCSH VANGUARD SCOTTSDALE FDS 21.1%

Value $24.1M Shares 304,996 Est. Cost $78.46 Unrealized —

AMZN AMAZON COM INC 0.6%

Value $660K Shares 2,769 Est. Cost $205.71 Unrealized —

GOOG ALPHABET INC 0.3%

Value $325K Shares 920 Est. Cost $323.67 Unrealized —

XLF SELECT SECTOR SPDR TR 0.6%

Value $693K Shares 12,921 Est. Cost $49.37 Unrealized —

SCHB SCHWAB STRATEGIC TR 0.3%

Value $381K Shares 13,148 Est. Cost $22.70 Unrealized —

SBUX STARBUCKS CORP 0.3%

Value $370K Shares 3,620 Est. Cost $93.94 Unrealized —

IGSB ISHARES TR 17.6%

Value $20.11M Shares 383,615 Est. Cost $52.65 Unrealized —

COF CAPITAL ONE FINL CORP 0.4%

Value $409K Shares 2,039 Est. Cost $223.24 Unrealized —

XLP SELECT SECTOR SPDR TR 1.6%

Value $1.815M Shares 21,850 Est. Cost $81.98 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.3%

Value $387K Shares 774 Est. Cost $461.73 Unrealized —

NVS NOVARTIS AG 0.2%

Value $243K Shares 1,550 Est. Cost $137.87 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
AAPL	APPLE INC	8,595	$2.487M	2.2%	$234.51	—	COM	037833100
VCSH	VANGUARD SCOTTSDALE FDS	304,996	$24.1M	21.1%	$78.46	—	SHRT TRM CORP BD	92206C409
AMZN	AMAZON COM INC	2,769	$660K	0.6%	$205.71	—	COM	023135106
GOOG	ALPHABET INC	920	$325K	0.3%	$323.67	—	CAP STK CL C	02079K107
XLF	SELECT SECTOR SPDR TR	12,921	$693K	0.6%	$49.37	—	ST STR FINL ETF	81369Y605
SCHB	SCHWAB STRATEGIC TR	13,148	$381K	0.3%	$22.70	—	US BRD MKT ETF	808524102
SBUX	STARBUCKS CORP	3,620	$370K	0.3%	$93.94	—	COM	855244109
IGSB	ISHARES TR	383,615	$20.11M	17.6%	$52.65	—	ISHS 1-5YR INVS	464288646
COF	CAPITAL ONE FINL CORP	2,039	$409K	0.4%	$223.24	—	COM	14040H105
XLP	SELECT SECTOR SPDR TR	21,850	$1.815M	1.6%	$81.98	—	ST STR STAPL ETF	81369Y308
BRK/B	BERKSHIRE HATHAWAY INC DEL	774	$387K	0.3%	$461.73	—	CL B NEW	084670702
NVS	NOVARTIS AG	1,550	$243K	0.2%	$137.87	—	SPONSORED ADR	66987V109