McGrath & Associates, Inc. Long-Term Concentrated

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
BOND	PIMCO ETF TR	135,105 (+12.0%)	$12,576 (+11.7%)	17.9%	$92.02	—	ACTIVE BD ETF	72201R775
GDE	WISDOMTREE TR	114,206 (+3.0%)	$7,037 (+10.5%)	10.0%	$42.00	—	EFFICIENT GLD PL	97717Y568
DFAX	DIMENSIONAL ETF TRUST	90,432 (+17.5%)	$2,960 (+22.5%)	4.2%	$28.69	—	WORLD EX US CORE	25434V880
DFAC	DIMENSIONAL ETF TRUST	114,723 (+8.3%)	$4,542 (+11.1%)	6.4%	$35.30	—	US CORE EQUITY 2	25434V708
RSST	TIDAL TRUST II	118,327 (+7.3%)	$3,355 (+14.9%)	4.8%	$23.91	—	RETURN STCKD US	88636J816
VXUS	VANGUARD STAR FDS	5,454 (+65.7%)	$411 (+70.2%)	0.6%	$71.61	—	VG TL INTL STK F	921909768
VTI	VANGUARD INDEX FDS	1,037 (+52.3%)	$348 (+55.5%)	0.5%	$330.57	—	TOTAL STK MKT	922908769
DFIC	DIMENSIONAL ETF TRUST	42,229 (+2.8%)	$1,455 (+8.0%)	2.1%	$26.54	—	INTL CORE EQUITY	25434V799
DFLV	DIMENSIONAL ETF TRUST	18,381 (+3.0%)	$629 (+7.2%)	0.9%	$30.27	—	US LARGE CAP VAL	25434V666
DFAT	DIMENSIONAL ETF TRUST	18,971 (+1.3%)	$1,130 (+3.6%)	1.6%	$55.54	—	US TARGETED VLU	25434V609
DFEM	DIMENSIONAL ETF TRUST	10,798 (+3.2%)	$357 (+6.5%)	0.5%	$26.87	—	EMERGING MKTS CO	25434V732
FNDE	SCHWAB STRATEGIC TR	39,100 (+1.5%)	$1,410 (+1.2%)	2.0%	$29.15	—	FUNDAMENTAL EMER	808524730
IVV	ISHARES TR	346 (+4.8%)	$237 (+7.3%)	0.3%	$623.14	—	CORE S&P500 ETF	464287200

Decreased Positions (12)

BND VANGUARD BD INDEX FDS 2.6%

Value ($000) $1,800 (-32.8%) Shares 24,303 (-32.5%) Est. Cost $71.91 Unrealized —

RSSY TIDAL TRUST II 7.2%

Value ($000) $5,058 (-6.0%) Shares 263,420 (-1.5%) Est. Cost $19.17 Unrealized —

DFGR DIMENSIONAL ETF TRUST 0.7%

Value ($000) $515 (-17.0%) Shares 19,490 (-14.2%) Est. Cost $25.54 Unrealized —

LOW LOWES COS INC 1.4%

Value ($000) $982 (-7.9%) Shares 4,072 (-4.0%) Est. Cost $261.16 Unrealized -8.2%

DFEV DIMENSIONAL ETF TRUST 2.8%

Value ($000) $1,981 (+4.0%) Shares 58,715 (-1.7%) Est. Cost $26.21 Unrealized —

VTIP VANGUARD MALVERN FDS 0.5%

Value ($000) $327 (-18.5%) Shares 6,614 (-16.6%) Est. Cost $48.42 Unrealized —

AAPL APPLE INC 1.9%

Value ($000) $1,364 (+4.2%) Shares 5,016 (-2.4%) Est. Cost $234.16 Unrealized +14.6%

FNDF SCHWAB STRATEGIC TR 2.8%

Value ($000) $1,958 (+1.3%) Shares 43,308 (-3.7%) Est. Cost $33.21 Unrealized —

DFSI DIMENSIONAL ETF TRUST 0.7%

Value ($000) $480 (-4.6%) Shares 11,212 (-8.8%) Est. Cost $34.97 Unrealized —

XOM EXXON MOBIL CORP 0.4%

Value ($000) $312 (+3.9%) Shares 2,589 (-2.6%) Est. Cost $111.01 Unrealized +4.0%

FNDA SCHWAB STRATEGIC TR 3.5%

Value ($000) $2,466 (-0.2%) Shares 78,267 (-1.3%) Est. Cost $29.70 Unrealized —

FNDX SCHWAB STRATEGIC TR 2.4%

Value ($000) $1,656 (+0.1%) Shares 60,875 (-3.2%) Est. Cost $23.68 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
BND	VANGUARD BD INDEX FDS	24,303 (-32.5%)	$1,800 (-32.8%)	2.6%	$71.91	—	TOTAL BND MRKT	921937835
RSSY	TIDAL TRUST II	263,420 (-1.5%)	$5,058 (-6.0%)	7.2%	$19.17	—	RETURN STACKED U	88636J345
DFGR	DIMENSIONAL ETF TRUST	19,490 (-14.2%)	$515 (-17.0%)	0.7%	$25.54	—	GLOBAL REAL EST	25434V658
LOW	LOWES COS INC	4,072 (-4.0%)	$982 (-7.9%)	1.4%	$261.16	-8.2%	COM	548661107
DFEV	DIMENSIONAL ETF TRUST	58,715 (-1.7%)	$1,981 (+4.0%)	2.8%	$26.21	—	EMERGING MKTS VA	25434V740
VTIP	VANGUARD MALVERN FDS	6,614 (-16.6%)	$327 (-18.5%)	0.5%	$48.42	—	STRM INFPROIDX	922020805
AAPL	APPLE INC	5,016 (-2.4%)	$1,364 (+4.2%)	1.9%	$234.16	+14.6%	COM	037833100
FNDF	SCHWAB STRATEGIC TR	43,308 (-3.7%)	$1,958 (+1.3%)	2.8%	$33.21	—	FUNDAMENTAL INTL	808524755
DFSI	DIMENSIONAL ETF TRUST	11,212 (-8.8%)	$480 (-4.6%)	0.7%	$34.97	—	INTERNATIONAL	25434V690
XOM	EXXON MOBIL CORP	2,589 (-2.6%)	$312 (+3.9%)	0.4%	$111.01	+4.0%	COM	30231G102
FNDA	SCHWAB STRATEGIC TR	78,267 (-1.3%)	$2,466 (-0.2%)	3.5%	$29.70	—	FUNDAMENTAL US S	808524763
FNDX	SCHWAB STRATEGIC TR	60,875 (-3.2%)	$1,656 (+0.1%)	2.4%	$23.68	—	FUNDAMENTAL US L	808524771

Unchanged Positions (17)

GVAL CAMBRIA ETF TR 1.9%

Value ($000) $1,332 Shares 42,312 Est. Cost $20.86 Unrealized —

DFIV DIMENSIONAL ETF TRUST 1.8%

Value ($000) $1,267 Shares 25,392 Est. Cost $35.69 Unrealized —

DISV DIMENSIONAL ETF TRUST 2.0%

Value ($000) $1,390 Shares 36,591 Est. Cost $26.62 Unrealized —

ADP AUTOMATIC DATA PROCESSING IN 0.7%

Value ($000) $474 Shares 1,842 Est. Cost $287.90 Unrealized -8.0%

RY ROYAL BK CDA 0.6%

Value ($000) $421 Shares 2,472 Est. Cost $123.44 Unrealized +24.4%

DUK DUKE ENERGY CORP NEW 1.2%

Value ($000) $825 Shares 7,034 Est. Cost $108.94 Unrealized +11.6%

MSFT MICROSOFT CORP 0.6%

Value ($000) $434 Shares 897 Est. Cost $418.98 Unrealized +19.5%

DFUV DIMENSIONAL ETF TRUST 0.8%

Value ($000) $581 Shares 12,480 Est. Cost $40.92 Unrealized —

SCHD SCHWAB STRATEGIC TR 4.4%

Value ($000) $3,091 Shares 112,693 Est. Cost $27.32 Unrealized —

AMZN AMAZON COM INC 0.6%

Value ($000) $414 Shares 1,795 Est. Cost $206.41 Unrealized +10.8%

DFSU DIMENSIONAL ETF TRUST 0.8%

Value ($000) $593 Shares 13,653 Est. Cost $37.20 Unrealized —

IGM ISHARES TR 0.4%

Value ($000) $292 Shares 2,260 Est. Cost $102.10 Unrealized —

JPM JPMORGAN CHASE & CO. 0.5%

Value ($000) $321 Shares 996 Est. Cost $229.89 Unrealized +34.6%

PM PHILIP MORRIS INTL INC 0.3%

Value ($000) $243 Shares 1,518 Est. Cost $136.99 Unrealized +12.1%

DFSE DIMENSIONAL ETF TRUST 0.3%

Value ($000) $212 Shares 5,105 Est. Cost $41.09 Unrealized —

FNDC SCHWAB STRATEGIC TR 2.9%

Value ($000) $2,054 Shares 46,111 Est. Cost $34.14 Unrealized —

NVDA NVIDIA CORPORATION 1.3%

Value ($000) $906 Shares 4,858 Est. Cost $134.68 Unrealized +38.2%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
GVAL	CAMBRIA ETF TR	42,312	$1,332	1.9%	$20.86	—	GLOBAL VALUE ETF	132061409
DFIV	DIMENSIONAL ETF TRUST	25,392	$1,267	1.8%	$35.69	—	INTERNATNAL VAL	25434V807
DISV	DIMENSIONAL ETF TRUST	36,591	$1,390	2.0%	$26.62	—	INTL SMALL CAP V	25434V781
ADP	AUTOMATIC DATA PROCESSING IN	1,842	$474	0.7%	$287.90	-8.0%	COM	053015103
RY	ROYAL BK CDA	2,472	$421	0.6%	$123.44	+24.4%	COM	780087102
DUK	DUKE ENERGY CORP NEW	7,034	$825	1.2%	$108.94	+11.6%	COM NEW	26441C204
MSFT	MICROSOFT CORP	897	$434	0.6%	$418.98	+19.5%	COM	594918104
DFUV	DIMENSIONAL ETF TRUST	12,480	$581	0.8%	$40.92	—	US MKTWIDE VALUE	25434V724
SCHD	SCHWAB STRATEGIC TR	112,693	$3,091	4.4%	$27.32	—	US DIVIDEND EQ	808524797
AMZN	AMAZON COM INC	1,795	$414	0.6%	$206.41	+10.8%	COM	023135106
DFSU	DIMENSIONAL ETF TRUST	13,653	$593	0.8%	$37.20	—	US SUSTAINABILTY	25434V716
IGM	ISHARES TR	2,260	$292	0.4%	$102.10	—	EXPND TEC SC ETF	464287549
JPM	JPMORGAN CHASE & CO.	996	$321	0.5%	$229.89	+34.6%	COM	46625H100
PM	PHILIP MORRIS INTL INC	1,518	$243	0.3%	$136.99	+12.1%	COM	718172109
DFSE	DIMENSIONAL ETF TRUST	5,105	$212	0.3%	$41.09	—	EMERGING MARKETS	25434V682
FNDC	SCHWAB STRATEGIC TR	46,111	$2,054	2.9%	$34.14	—	FUNDAMENTAL INTL	808524748
NVDA	NVIDIA CORPORATION	4,858	$906	1.3%	$134.68	+38.2%	COM	67066G104