# EDGAR Filing Document

**Accession Number:** 0001387386
**File Stem:** 0001398344-25-019432
**Filing Date:** 2025-10
**Character Count:** 23465
**Document Hash:** 4a56ad9a43edd90fd8335b8db8e58f52
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-25-019432.hdr.sgml**: 20251021

**ACCESSION NUMBER**: 0001398344-25-019432

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251021

**DATE AS OF CHANGE**: 20251021

**EFFECTIVENESS DATE**: 20251021

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MORRIS FINANCIAL CONCEPTS, INC.
- **CENTRAL INDEX KEY:** 0001387386

**ORGANIZATION NAME:**
- **EIN:** 571114092
- **STATE OF INCORPORATION:** SC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22215
- **FILM NUMBER:** 251406039

**BUSINESS ADDRESS:**
- **STREET 1:** 409 COLEMAN BLVD. STE 100
- **CITY:** MOUNT PLEASANT
- **STATE:** SC
- **ZIP:** 29464
- **BUSINESS PHONE:** 843-884-6192

**MAIL ADDRESS:**
- **STREET 1:** 409 COLEMAN BLVD. STE 100
- **CITY:** MOUNT PLEASANT
- **STATE:** SC
- **ZIP:** 29464

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** MORRIS FINANCIAL CONCEPTS INC.<br>**Address:** 409 COLEMAN BLVD. STE 100<br>MOUNT PLEASANT, SC 29464

**Form 13F File Number:** 028-22215

**CRD Number (if applicable):** 000114862

**SEC File Number (if applicable):** 801-60830

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Tucker Morris<br>**Title:** Chief Compliance Officer<br>**Phone:** 843-884-6192

**Signature, Place, and Date of Signing:**

/s/ Tucker Morris  Mount Pleasant, SC  10-21-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 198

**Form 13F Information Table Value Total:** $276821181

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBOTT LABS | COM | 002824100 |  | 306321 | 2287 | SH |  | SOLE |  | 0 | 0 | 2287 |
| ABBVIE INC | COM | 00287Y109 |  | 608487 | 2628 | SH |  | SOLE |  | 0 | 0 | 2628 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 146130 | 600 | SH |  | SOLE |  | 0 | 0 | 600 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 638381 | 2626 | SH |  | SOLE |  | 0 | 0 | 2626 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 335925 | 5085 | SH |  | SOLE |  | 0 | 0 | 5085 |
| AMAZON COM INC | COM | 023135106 |  | 350873 | 1598 | SH |  | SOLE |  | 0 | 0 | 1598 |
| AMERICAN CENTY ETF TR | AVANTIS RESPONSI | 025072299 |  | 2647 | 37 | SH |  | SOLE |  | 0 | 0 | 37 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 36058 | 499 | SH |  | SOLE |  | 0 | 0 | 499 |
| AMERICAN CENTY ETF TR | REAL ESTATE ETF | 025072356 |  | 38208 | 859 | SH |  | SOLE |  | 0 | 0 | 859 |
| AMERICAN CENTY ETF TR | AVANTIS CORE FI | 025072562 |  | 245157 | 5826 | SH |  | SOLE |  | 0 | 0 | 5826 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 671456 | 8940 | SH |  | SOLE |  | 0 | 0 | 8940 |
| AMERICAN CENTY ETF TR | AVANTIS SHFXDINC | 025072687 |  | 463512 | 9817 | SH |  | SOLE |  | 0 | 0 | 9817 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 1643310 | 20828 | SH |  | SOLE |  | 0 | 0 | 20828 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 25977 | 261 | SH |  | SOLE |  | 0 | 0 | 261 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 2717938 | 25004 | SH |  | SOLE |  | 0 | 0 | 25004 |
| APPLE INC | COM | 037833100 |  | 1987486 | 7805 | SH |  | SOLE |  | 0 | 0 | 7805 |
| AUTODESK INC | COM | 052769106 |  | 309093 | 973 | SH |  | SOLE |  | 0 | 0 | 973 |
| AUTONATION INC | COM | 05329W102 |  | 309341 | 1414 | SH |  | SOLE |  | 0 | 0 | 1414 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 623900 | 1241 | SH |  | SOLE |  | 0 | 0 | 1241 |
| BJS WHSL CLUB HLDGS INC | COM | 05550J101 |  | 227344 | 2438 | SH |  | SOLE |  | 0 | 0 | 2438 |
| BROADCOM INC | COM | 11135F101 |  | 472431 | 1432 | SH |  | SOLE |  | 0 | 0 | 1432 |
| COCA COLA CO | COM | 191216100 |  | 317197 | 4783 | SH |  | SOLE |  | 0 | 0 | 4783 |
| COMFORT SYS USA INC | COM | 199908104 |  | 216197 | 262 | SH |  | SOLE |  | 0 | 0 | 262 |
| COMMERCIAL METALS CO | COM | 201723103 |  | 261140 | 4559 | SH |  | SOLE |  | 0 | 0 | 4559 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 469226 | 507 | SH |  | SOLE |  | 0 | 0 | 507 |
| CUMMINS INC | COM | 231021106 |  | 391537 | 927 | SH |  | SOLE |  | 0 | 0 | 927 |
| DEERE  CO | COM | 244199105 |  | 330599 | 723 | SH |  | SOLE |  | 0 | 0 | 723 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 1226139 | 26795 | SH |  | SOLE |  | 0 | 0 | 26795 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 619331 | 17038 | SH |  | SOLE |  | 0 | 0 | 17038 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 1611088 | 51097 | SH |  | SOLE |  | 0 | 0 | 51097 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 2607436 | 38087 | SH |  | SOLE |  | 0 | 0 | 38087 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 2783311 | 47815 | SH |  | SOLE |  | 0 | 0 | 47815 |
| DIMENSIONAL ETF TRUST | WORLD EQUITY ETF | 25434V617 |  | 67047 | 933 | SH |  | SOLE |  | 0 | 0 | 933 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 1654522 | 60583 | SH |  | SOLE |  | 0 | 0 | 60583 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 2641771 | 80297 | SH |  | SOLE |  | 0 | 0 | 80297 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 210197 | 5133 | SH |  | SOLE |  | 0 | 0 | 5133 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 7869630 | 204035 | SH |  | SOLE |  | 0 | 0 | 204035 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 493999 | 11631 | SH |  | SOLE |  | 0 | 0 | 11631 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 1201278 | 37458 | SH |  | SOLE |  | 0 | 0 | 37458 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 4179999 | 132153 | SH |  | SOLE |  | 0 | 0 | 132153 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 2881896 | 80748 | SH |  | SOLE |  | 0 | 0 | 80748 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 1394992 | 30247 | SH |  | SOLE |  | 0 | 0 | 30247 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 56803 | 1784 | SH |  | SOLE |  | 0 | 0 | 1784 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 1473602 | 30579 | SH |  | SOLE |  | 0 | 0 | 30579 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 1646134 | 38497 | SH |  | SOLE |  | 0 | 0 | 38497 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 1306475 | 41634 | SH |  | SOLE |  | 0 | 0 | 41634 |
| DISNEY WALT CO | COM | 254687106 |  | 257260 | 2247 | SH |  | SOLE |  | 0 | 0 | 2247 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 219233 | 3584 | SH |  | SOLE |  | 0 | 0 | 3584 |
| DOORDASH INC | CL A | 25809K105 |  | 316868 | 1165 | SH |  | SOLE |  | 0 | 0 | 1165 |
| ELI LILLY  CO | COM | 532457108 |  | 1643509 | 2154 | SH |  | SOLE |  | 0 | 0 | 2154 |
| ETF SER SOLUTIONS | APTUS LARGE CAP | 26922B535 |  | 179604 | 4914 | SH |  | SOLE |  | 0 | 0 | 4914 |
| ETF SER SOLUTIONS | APTUS INT ENH YL | 26922B709 |  | 32499 | 1380 | SH |  | SOLE |  | 0 | 0 | 1380 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 710418 | 6301 | SH |  | SOLE |  | 0 | 0 | 6301 |
| GE AEROSPACE | COM NEW | 369604301 |  | 521622 | 1734 | SH |  | SOLE |  | 0 | 0 | 1734 |
| GE VERNOVA INC | COM | 36828A101 |  | 276705 | 450 | SH |  | SOLE |  | 0 | 0 | 450 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA INT | 381430107 |  | 279014 | 6787 | SH |  | SOLE |  | 0 | 0 | 6787 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA EME | 381430206 |  | 452225 | 11103 | SH |  | SOLE |  | 0 | 0 | 11103 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA US LG | 381430503 |  | 700125 | 5374 | SH |  | SOLE |  | 0 | 0 | 5374 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA US | 381430602 |  | 266608 | 3560 | SH |  | SOLE |  | 0 | 0 | 3560 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 422862 | 531 | SH |  | SOLE |  | 0 | 0 | 531 |
| HOME DEPOT INC | COM | 437076102 |  | 373559 | 922 | SH |  | SOLE |  | 0 | 0 | 922 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 813179 | 2882 | SH |  | SOLE |  | 0 | 0 | 2882 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 216012 | 483 | SH |  | SOLE |  | 0 | 0 | 483 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2029 | 46138J577 |  | 199480 | 10605 | SH |  | SOLE |  | 0 | 0 | 10605 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 28 | 46138J643 |  | 199694 | 9708 | SH |  | SOLE |  | 0 | 0 | 9708 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 |  | 199505 | 10122 | SH |  | SOLE |  | 0 | 0 | 10122 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 199786 | 10214 | SH |  | SOLE |  | 0 | 0 | 10214 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 CB | 46138J825 |  | 200465 | 9689 | SH |  | SOLE |  | 0 | 0 | 9689 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 1511282 | 22926 | SH |  | SOLE |  | 0 | 0 | 22926 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 61613 | 1419 | SH |  | SOLE |  | 0 | 0 | 1419 |
| ISHARES TR | MORNINGSTR US EQ | 464287127 |  | 27726 | 300 | SH |  | SOLE |  | 0 | 0 | 300 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 56414 | 397 | SH |  | SOLE |  | 0 | 0 | 397 |
| ISHARES TR | CORE S ETF | 464287200 |  | 40667130 | 60761 | SH |  | SOLE |  | 0 | 0 | 60761 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 241703 | 2411 | SH |  | SOLE |  | 0 | 0 | 2411 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 1262437 | 23641 | SH |  | SOLE |  | 0 | 0 | 23641 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 13153 | 118 | SH |  | SOLE |  | 0 | 0 | 118 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 |  | 38704 | 375 | SH |  | SOLE |  | 0 | 0 | 375 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 5118528 | 42400 | SH |  | SOLE |  | 0 | 0 | 42400 |
| ISHARES TR | GLOB HLTHCRE ETF | 464287325 |  | 2216 | 25 | SH |  | SOLE |  | 0 | 0 | 25 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 4079125 | 19753 | SH |  | SOLE |  | 0 | 0 | 19753 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 3575 | 40 | SH |  | SOLE |  | 0 | 0 | 40 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 3858 | 40 | SH |  | SOLE |  | 0 | 0 | 40 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 9484651 | 114328 | SH |  | SOLE |  | 0 | 0 | 114328 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 2818322 | 30184 | SH |  | SOLE |  | 0 | 0 | 30184 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 6272 | 45 | SH |  | SOLE |  | 0 | 0 | 45 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 131694 | 1364 | SH |  | SOLE |  | 0 | 0 | 1364 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 729998 | 11186 | SH |  | SOLE |  | 0 | 0 | 11186 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 3898 | 27 | SH |  | SOLE |  | 0 | 0 | 27 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 726206 | 3567 | SH |  | SOLE |  | 0 | 0 | 3567 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 36536 | 78 | SH |  | SOLE |  | 0 | 0 | 78 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 1607747 | 4399 | SH |  | SOLE |  | 0 | 0 | 4399 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 1321289 | 7473 | SH |  | SOLE |  | 0 | 0 | 7473 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 626318 | 1957 | SH |  | SOLE |  | 0 | 0 | 1957 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1403368 | 5800 | SH |  | SOLE |  | 0 | 0 | 5800 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 1618758 | 9838 | SH |  | SOLE |  | 0 | 0 | 9838 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 14451853 | 121618 | SH |  | SOLE |  | 0 | 0 | 121618 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 999181 | 9035 | SH |  | SOLE |  | 0 | 0 | 9035 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 291509 | 2730 | SH |  | SOLE |  | 0 | 0 | 2730 |
| ISHARES TR | GL CLEAN ENE ETF | 464288224 |  | 139 | 9 | SH |  | SOLE |  | 0 | 0 | 9 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 37463 | 271 | SH |  | SOLE |  | 0 | 0 | 271 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 1794300 | 23388 | SH |  | SOLE |  | 0 | 0 | 23388 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 59208 | 556 | SH |  | SOLE |  | 0 | 0 | 556 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 80812 | 2211 | SH |  | SOLE |  | 0 | 0 | 2211 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 8360336 | 75666 | SH |  | SOLE |  | 0 | 0 | 75666 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 738750 | 5446 | SH |  | SOLE |  | 0 | 0 | 5446 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 6008 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 3392 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 989731 | 8691 | SH |  | SOLE |  | 0 | 0 | 8691 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 4085 | 21 | SH |  | SOLE |  | 0 | 0 | 21 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 8833 | 71 | SH |  | SOLE |  | 0 | 0 | 71 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 1282 | 5 | SH |  | SOLE |  | 0 | 0 | 5 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 49548 | 600 | SH |  | SOLE |  | 0 | 0 | 600 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 16811802 | 192553 | SH |  | SOLE |  | 0 | 0 | 192553 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 8619869 | 176492 | SH |  | SOLE |  | 0 | 0 | 176492 |
| ISHARES TR | INTERNATIONAL SL | 46434V266 |  | 97878 | 2380 | SH |  | SOLE |  | 0 | 0 | 2380 |
| ISHARES TR | FUTURE EXPONENTI | 46434V381 |  | 18561 | 258 | SH |  | SOLE |  | 0 | 0 | 258 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 2651 | 60 | SH |  | SOLE |  | 0 | 0 | 60 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 1012720 | 21681 | SH |  | SOLE |  | 0 | 0 | 21681 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 |  | 1304308 | 51029 | SH |  | SOLE |  | 0 | 0 | 51029 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 14706 | 101 | SH |  | SOLE |  | 0 | 0 | 101 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 313529 | 3372 | SH |  | SOLE |  | 0 | 0 | 3372 |
| ISHARES TR | IBONDS DEC2026 | 46435GAA0 |  | 26074 | 1073 | SH |  | SOLE |  | 0 | 0 | 1073 |
| ISHARES TR | SELF DRIVNG EV | 46435U366 |  | 19765 | 539 | SH |  | SOLE |  | 0 | 0 | 539 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 370888 | 7722 | SH |  | SOLE |  | 0 | 0 | 7722 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 539788 | 11974 | SH |  | SOLE |  | 0 | 0 | 11974 |
| J P MORGAN EXCHANGE TRADED F | BETABULDRS JAPAN | 46641Q217 |  | 4311 | 65 | SH |  | SOLE |  | 0 | 0 | 65 |
| J P MORGAN EXCHANGE TRADED F | BETABUILDERS CDA | 46641Q225 |  | 7938 | 91 | SH |  | SOLE |  | 0 | 0 | 91 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 258317 | 5092 | SH |  | SOLE |  | 0 | 0 | 5092 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 460769 | 2485 | SH |  | SOLE |  | 0 | 0 | 2485 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 3093680 | 9808 | SH |  | SOLE |  | 0 | 0 | 9808 |
| MANAGER DIRECTED PORTFOLIOS | VERT GLB SUST RE | 56170L695 |  | 177685 | 16684 | SH |  | SOLE |  | 0 | 0 | 16684 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 760016 | 1336 | SH |  | SOLE |  | 0 | 0 | 1336 |
| MCDONALDS CORP | COM | 580135101 |  | 210596 | 693 | SH |  | SOLE |  | 0 | 0 | 693 |
| MERCK  CO INC | COM | 58933Y105 |  | 255651 | 3046 | SH |  | SOLE |  | 0 | 0 | 3046 |
| META PLATFORMS INC | CL A | 30303M102 |  | 794599 | 1082 | SH |  | SOLE |  | 0 | 0 | 1082 |
| MICROSOFT CORP | COM | 594918104 |  | 1623255 | 3134 | SH |  | SOLE |  | 0 | 0 | 3134 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 350438 | 5610 | SH |  | SOLE |  | 0 | 0 | 5610 |
| MOODYS CORP | COM | 615369105 |  | 288270 | 605 | SH |  | SOLE |  | 0 | 0 | 605 |
| NETFLIX INC | COM | 64110L106 |  | 573084 | 478 | SH |  | SOLE |  | 0 | 0 | 478 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 681577 | 3653 | SH |  | SOLE |  | 0 | 0 | 3653 |
| PEPSICO INC | COM | 713448108 |  | 380452 | 2709 | SH |  | SOLE |  | 0 | 0 | 2709 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 249193 | 1536 | SH |  | SOLE |  | 0 | 0 | 1536 |
| PIMCO ETF TR | ENHNCD LW DUR AC | 72201R718 |  | 23556 | 245 | SH |  | SOLE |  | 0 | 0 | 245 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 |  | 13557 | 145 | SH |  | SOLE |  | 0 | 0 | 145 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 21447 | 213 | SH |  | SOLE |  | 0 | 0 | 213 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 400883 | 7668 | SH |  | SOLE |  | 0 | 0 | 7668 |
| PIMCO ETF TR | SHTRM MUN BD ACT | 72201R874 |  | 113732 | 2249 | SH |  | SOLE |  | 0 | 0 | 2249 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 415647 | 2705 | SH |  | SOLE |  | 0 | 0 | 2705 |
| RTX CORPORATION | COM | 75513E101 |  | 330309 | 1974 | SH |  | SOLE |  | 0 | 0 | 1974 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 509837 | 19830 | SH |  | SOLE |  | 0 | 0 | 19830 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 36310902 | 1378546 | SH |  | SOLE |  | 0 | 0 | 1378546 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 257705 | 8076 | SH |  | SOLE |  | 0 | 0 | 8076 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 273896 | 9409 | SH |  | SOLE |  | 0 | 0 | 9409 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 67312 | 2271 | SH |  | SOLE |  | 0 | 0 | 2271 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 8375496 | 300197 | SH |  | SOLE |  | 0 | 0 | 300197 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 279245 | 8368 | SH |  | SOLE |  | 0 | 0 | 8368 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL EMER | 808524730 |  | 102116 | 2824 | SH |  | SOLE |  | 0 | 0 | 2824 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524748 |  | 336941 | 7570 | SH |  | SOLE |  | 0 | 0 | 7570 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 263517 | 6134 | SH |  | SOLE |  | 0 | 0 | 6134 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US S | 808524763 |  | 226782 | 7278 | SH |  | SOLE |  | 0 | 0 | 7278 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 379641 | 14435 | SH |  | SOLE |  | 0 | 0 | 14435 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 287879 | 10545 | SH |  | SOLE |  | 0 | 0 | 10545 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 246821 | 10602 | SH |  | SOLE |  | 0 | 0 | 10602 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 33133 | 1536 | SH |  | SOLE |  | 0 | 0 | 1536 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 1458 | 58 | SH |  | SOLE |  | 0 | 0 | 58 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 |  | 476080 | 10461 | SH |  | SOLE |  | 0 | 0 | 10461 |
| SEA LTD | SPONSORD ADS | 81141R100 |  | 217693 | 1218 | SH |  | SOLE |  | 0 | 0 | 1218 |
| SOUTHERN CO | COM | 842587107 |  | 331316 | 3496 | SH |  | SOLE |  | 0 | 0 | 3496 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 6230992 | 9353 | SH |  | SOLE |  | 0 | 0 | 9353 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 368104 | 1318 | SH |  | SOLE |  | 0 | 0 | 1318 |
| TESLA INC | COM | 88160R101 |  | 3450582 | 7759 | SH |  | SOLE |  | 0 | 0 | 7759 |
| TEXAS INSTRS INC | COM | 882508104 |  | 232051 | 1263 | SH |  | SOLE |  | 0 | 0 | 1263 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 351495 | 7688 | SH |  | SOLE |  | 0 | 0 | 7688 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 7184 | 92 | SH |  | SOLE |  | 0 | 0 | 92 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 6989399 | 88574 | SH |  | SOLE |  | 0 | 0 | 88574 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 390291 | 5248 | SH |  | SOLE |  | 0 | 0 | 5248 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 281561 | 5693 | SH |  | SOLE |  | 0 | 0 | 5693 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 2019994 | 3299 | SH |  | SOLE |  | 0 | 0 | 3299 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 9989 | 34 | SH |  | SOLE |  | 0 | 0 | 34 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 315216 | 3448 | SH |  | SOLE |  | 0 | 0 | 3448 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 17949 | 86 | SH |  | SOLE |  | 0 | 0 | 86 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 74316 | 253 | SH |  | SOLE |  | 0 | 0 | 253 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 72901 | 152 | SH |  | SOLE |  | 0 | 0 | 152 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 135392 | 726 | SH |  | SOLE |  | 0 | 0 | 726 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 16528 | 65 | SH |  | SOLE |  | 0 | 0 | 65 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 288 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 74681 | 1269 | SH |  | SOLE |  | 0 | 0 | 1269 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 5435 | 68 | SH |  | SOLE |  | 0 | 0 | 68 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 986 | 21 | SH |  | SOLE |  | 0 | 0 | 21 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 1945843 | 23135 | SH |  | SOLE |  | 0 | 0 | 23135 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 485497 | 6609 | SH |  | SOLE |  | 0 | 0 | 6609 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 397091 | 2817 | SH |  | SOLE |  | 0 | 0 | 2817 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 961457 | 11354 | SH |  | SOLE |  | 0 | 0 | 11354 |
| VANGUARD WORLD FD | FINANCIALS ETF | 92204A405 |  | 788227 | 6006 | SH |  | SOLE |  | 0 | 0 | 6006 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 212674 | 4839 | SH |  | SOLE |  | 0 | 0 | 4839 |
| VERTEX PHARMACEUTICALS INC | COM | 92532F100 |  | 200128 | 511 | SH |  | SOLE |  | 0 | 0 | 511 |
| WALMART INC | COM | 931142103 |  | 450475 | 4371 | SH |  | SOLE |  | 0 | 0 | 4371 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 484480 | 5780 | SH |  | SOLE |  | 0 | 0 | 5780 |

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