# EDGAR Filing Document

**Accession Number:** 0001810720
**File Stem:** 0001810720-23-000001
**Filing Date:** 2023-1
**Character Count:** 20015
**Document Hash:** fb8263888407af45c58632a922135d57
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001810720-23-000001.hdr.sgml**: 20230120

**ACCESSION NUMBER**: 0001810720-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230120

**DATE AS OF CHANGE**: 20230120

**EFFECTIVENESS DATE**: 20230120

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Charter Oak Capital Management, LLC
- **CENTRAL INDEX KEY:** 0001810720
- **IRS NUMBER:** 263694779
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20761
- **FILM NUMBER:** 23540162

**BUSINESS ADDRESS:**
- **STREET 1:** TWO INTERNATIONAL DRIVE, SUITE 325
- **CITY:** PORTSMOUTH
- **STATE:** NH
- **ZIP:** 03801
- **BUSINESS PHONE:** 8006465720

**MAIL ADDRESS:**
- **STREET 1:** TWO INTERNATIONAL DRIVE, SUITE 325
- **CITY:** PORTSMOUTH
- **STATE:** NH
- **ZIP:** 03801

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** Charter Oak Capital Management LLC<br>**Address:** Two International Drive Suite 325<br>Portsmouth, NH 03801

**Form 13F File Number:** 028-20761

**CRD Number (if applicable):** 000120870

**SEC File Number (if applicable):** 801-64808

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:** Jeffrey S. Troiano<br>**Title:** Managing Partner/CCO<br>**Phone:** 8006465720

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

/s/ Jeffrey S. Troiano  Kennebunk, ME  01-20-2023<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:** 160

**Form 13F Information Table Value Total:** $667662314

      (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 |  | 382779 | 3486 | SH |  | SOLE |  | 3446 | 0 | 40 |
| ABBVIE INC | COM | 00287Y109 |  | 1212662 | 7504 | SH |  | SOLE |  | 7313 | 0 | 191 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 305279 | 3441 | SH |  | SOLE |  | 1667 | 0 | 1774 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 250573 | 2840 | SH |  | SOLE |  | 2087 | 0 | 753 |
| AMAZON COM INC | COM | 023135106 |  | 662434 | 7886 | SH |  | SOLE |  | 2975 | 0 | 4911 |
| AMERICAN WTR WKS CO INC NEW | COM | 030420103 |  | 224412 | 1472 | SH |  | SOLE |  | 1147 | 0 | 325 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 506599 | 1627 | SH |  | SOLE |  | 1627 | 0 | 0 |
| ANALOG DEVICES INC | COM | 032654105 |  | 2927661 | 17848 | SH |  | SOLE |  | 0 | 0 | 17848 |
| APPLE INC | COM | 037833100 |  | 8559523 | 65878 | SH |  | SOLE |  | 47667 | 0 | 18211 |
| APPLIED MATLS INC | COM | 038222105 |  | 797640 | 8191 | SH |  | SOLE |  | 8191 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 436969 | 23735 | SH |  | SOLE |  | 20568 | 0 | 3167 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 730004 | 2363 | SH |  | SOLE |  | 1364 | 0 | 999 |
| BOEING CO | COM | 097023105 |  | 469220 | 2463 | SH |  | SOLE |  | 1238 | 0 | 1225 |
| CATERPILLAR INC | COM | 149123101 |  | 367927 | 1536 | SH |  | SOLE |  | 1243 | 0 | 293 |
| CHARGE ENTERPRISES INC | COM | 159610104 |  | 49600 | 40000 | SH |  | SOLE |  | 0 | 0 | 40000 |
| CHEVRON CORP NEW | COM | 166764100 |  | 721110 | 4018 | SH |  | SOLE |  | 3104 | 0 | 914 |
| CHURCH  DWIGHT CO INC | COM | 171340102 |  | 259887 | 3224 | SH |  | SOLE |  | 0 | 0 | 3224 |
| CISCO SYS INC | COM | 17275R102 |  | 260828 | 5475 | SH |  | SOLE |  | 5220 | 0 | 255 |
| COCA COLA CO | COM | 191216100 |  | 404505 | 6359 | SH |  | SOLE |  | 5836 | 0 | 523 |
| DEERE  CO | COM | 244199105 |  | 661199 | 1542 | SH |  | SOLE |  | 1435 | 0 | 107 |
| DIREXION SHS ETF TR | DRX S | 25459W862 |  | 1571751 | 25306 | SH |  | SOLE |  | 19394 | 0 | 5912 |
| DISNEY WALT CO | COM | 254687106 |  | 353721 | 4071 | SH |  | SOLE |  | 3204 | 0 | 867 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 225342 | 2188 | SH |  | SOLE |  | 2188 | 0 | 0 |
| ESSENTIAL UTILS INC | COM | 29670G102 |  | 316714 | 6636 | SH |  | SOLE |  | 6636 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1606684 | 14566 | SH |  | SOLE |  | 4626 | 0 | 9940 |
| FIDELITY COMWLTH TR | NASDAQ COMPSIT | 315912808 |  | 250029 | 6103 | SH |  | SOLE |  | 4022 | 0 | 2081 |
| FIDELITY COVINGTON TRUST | MSCI COMMNTN SVC | 316092873 |  | 359178 | 11564 | SH |  | SOLE |  | 5336 | 0 | 6228 |
| FIDELITY COVINGTON TRUST | MSCI CONSM DIS | 316092204 |  | 490533 | 8654 | SH |  | SOLE |  | 3066 | 0 | 5588 |
| FIDELITY COVINGTON TRUST | MSCI ENERGY IDX | 316092402 |  | 433862 | 18199 | SH |  | SOLE |  | 8836 | 0 | 9363 |
| FIDELITY COVINGTON TRUST | MSCI HLTH CARE I | 316092600 |  | 734382 | 11478 | SH |  | SOLE |  | 6652 | 0 | 4826 |
| FIDELITY COVINGTON TRUST | MSCI UTILS INDEX | 316092865 |  | 237791 | 5217 | SH |  | SOLE |  | 1576 | 0 | 3641 |
| GENERAL MLS INC | COM | 370334104 |  | 391160 | 4665 | SH |  | SOLE |  | 4135 | 0 | 530 |
| HOME DEPOT INC | COM | 437076102 |  | 750084 | 2375 | SH |  | SOLE |  | 2135 | 0 | 240 |
| HONEYWELL INTL INC | COM | 438516106 |  | 300234 | 1401 | SH |  | SOLE |  | 1271 | 0 | 130 |
| IDEXX LABS INC | COM | 45168D104 |  | 1371154 | 3361 | SH |  | SOLE |  | 2606 | 0 | 755 |
| INTEL CORP | COM | 458140100 |  | 692724 | 26210 | SH |  | SOLE |  | 24887 | 0 | 1323 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 390789 | 2774 | SH |  | SOLE |  | 1708 | 0 | 1066 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 527959 | 1983 | SH |  | SOLE |  | 1036 | 0 | 947 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 1197681 | 25646 | SH |  | SOLE |  | 22258 | 0 | 3388 |
| ISHARES INC | MSCI CDA ETF | 464286509 |  | 632475 | 19324 | SH |  | SOLE |  | 17633 | 0 | 1691 |
| ISHARES TR | 0-5YR INVT GR CP | 46434V100 |  | 8433576 | 176213 | SH |  | SOLE |  | 157968 | 0 | 18245 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 4856756 | 59834 | SH |  | SOLE |  | 54218 | 0 | 5616 |
| ISHARES TR | BLACKROCK ULTRA | 46434V878 |  | 429443 | 8582 | SH |  | SOLE |  | 500 | 0 | 8082 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 3035820 | 65371 | SH |  | SOLE |  | 54568 | 0 | 10803 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 4756907 | 100040 | SH |  | SOLE |  | 77206 | 0 | 22834 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 737496 | 11965 | SH |  | SOLE |  | 10417 | 0 | 1548 |
| ISHARES TR | CORE MSCI EURO | 46434V738 |  | 692645 | 14582 | SH |  | SOLE |  | 13536 | 0 | 1046 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 34282503 | 592303 | SH |  | SOLE |  | 505520 | 0 | 86783 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 885386 | 3660 | SH |  | SOLE |  | 2902 | 0 | 758 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 684021 | 7228 | SH |  | SOLE |  | 4692 | 0 | 2536 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 628331 | 7410 | SH |  | SOLE |  | 4424 | 0 | 2986 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 4296897 | 60837 | SH |  | SOLE |  | 42986 | 0 | 17851 |
| ISHARES TR | CORE S ETF | 464287200 |  | 194973340 | 507466 | SH |  | SOLE |  | 431682 | 0 | 75784 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 51607142 | 532087 | SH |  | SOLE |  | 429570 | 0 | 102517 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 2129760 | 32397 | SH |  | SOLE |  | 30218 | 0 | 2179 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 1399619 | 42567 | SH |  | SOLE |  | 39222 | 0 | 3345 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 1013655 | 11961 | SH |  | SOLE |  | 11753 | 0 | 208 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 399627 | 8550 | SH |  | SOLE |  | 8550 | 0 | 0 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 |  | 2626765 | 110508 | SH |  | SOLE |  | 78473 | 0 | 32035 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 367218 | 16469 | SH |  | SOLE |  | 6370 | 0 | 10099 |
| ISHARES TR | ESG MSCI LEADR | 46435U218 |  | 417753 | 6300 | SH |  | SOLE |  | 6300 | 0 | 0 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 2500330 | 49679 | SH |  | SOLE |  | 45525 | 0 | 4154 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 |  | 1568234 | 34982 | SH |  | SOLE |  | 33478 | 0 | 1504 |
| ISHARES TR | IBONDS DEC23 ETF | 46434VAX8 |  | 727108 | 29049 | SH |  | SOLE |  | 28538 | 0 | 511 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 17626271 | 353799 | SH |  | SOLE |  | 319677 | 0 | 34122 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 380560 | 4499 | SH |  | SOLE |  | 4324 | 0 | 175 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 7742511 | 91217 | SH |  | SOLE |  | 83299 | 0 | 7918 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 8236631 | 181025 | SH |  | SOLE |  | 158176 | 0 | 22849 |
| ISHARES TR | MSCI KLD400 SOC | 464288570 |  | 1447989 | 20170 | SH |  | SOLE |  | 19806 | 0 | 364 |
| ISHARES TR | MSCI USA ESG SLC | 464288802 |  | 6536717 | 79406 | SH |  | SOLE |  | 71104 | 0 | 8302 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 416306 | 5774 | SH |  | SOLE |  | 5553 | 0 | 221 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 876660 | 8308 | SH |  | SOLE |  | 8071 | 0 | 237 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 296023 | 9696 | SH |  | SOLE |  | 6654 | 0 | 3042 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 266729 | 1245 | SH |  | SOLE |  | 737 | 0 | 508 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 545485 | 3597 | SH |  | SOLE |  | 1583 | 0 | 2014 |
| ISHARES TR | RUSEL 2500 ETF | 46435G268 |  | 1342455 | 25263 | SH |  | SOLE |  | 19316 | 0 | 5947 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1397671 | 8016 | SH |  | SOLE |  | 6052 | 0 | 1964 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 5211802 | 89091 | SH |  | SOLE |  | 85060 | 0 | 4031 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 5897208 | 40651 | SH |  | SOLE |  | 34682 | 0 | 5969 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 540147 | 4914 | SH |  | SOLE |  | 4326 | 0 | 588 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 345029 | 3309 | SH |  | SOLE |  | 2483 | 0 | 826 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 2138417 | 20090 | SH |  | SOLE |  | 17727 | 0 | 2363 |
| ISHARES TR | U.S. FIN SVC ETF | 464287770 |  | 319293 | 2027 | SH |  | SOLE |  | 52 | 0 | 1975 |
| ISHARES TR | U.S. FINLS ETF | 464287788 |  | 432537 | 5731 | SH |  | SOLE |  | 4197 | 0 | 1534 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 4481560 | 85249 | SH |  | SOLE |  | 78146 | 0 | 7103 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 502709 | 6749 | SH |  | SOLE |  | 4079 | 0 | 2670 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 375977 | 3361 | SH |  | SOLE |  | 2161 | 0 | 1200 |
| ISHARES TR | US CONSM STAPLES | 464287812 |  | 335487 | 1654 | SH |  | SOLE |  | 1105 | 0 | 549 |
| ISHARES TR | US HLTHCR PR ETF | 464288828 |  | 355831 | 1329 | SH |  | SOLE |  | 59 | 0 | 1270 |
| ISHARES TR | US INDUSTRIALS | 464287754 |  | 419466 | 4349 | SH |  | SOLE |  | 2023 | 0 | 2326 |
| ISHARES TR | US TELECOM ETF | 464287713 |  | 244487 | 10900 | SH |  | SOLE |  | 0 | 0 | 10900 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 453082 | 19942 | SH |  | SOLE |  | 19729 | 0 | 213 |
| ISHARES U S ETF TR | BLACKROCK ST MAT | 46431W507 |  | 483092 | 9805 | SH |  | SOLE |  | 8957 | 0 | 848 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 2375369 | 13447 | SH |  | SOLE |  | 12686 | 0 | 761 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 948503 | 7073 | SH |  | SOLE |  | 6137 | 0 | 936 |
| LILLY ELI  CO | COM | 532457108 |  | 355505 | 972 | SH |  | SOLE |  | 872 | 0 | 100 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 345286 | 2319 | SH |  | SOLE |  | 2319 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 842921 | 3199 | SH |  | SOLE |  | 2663 | 0 | 536 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 1424300 | 18326 | SH |  | SOLE |  | 18090 | 0 | 236 |
| MERCK  CO INC | COM | 58933Y105 |  | 1255038 | 11312 | SH |  | SOLE |  | 9114 | 0 | 2198 |
| MICROSOFT CORP | COM | 594918104 |  | 1762354 | 7349 | SH |  | SOLE |  | 6250 | 0 | 1099 |
| NATIONAL STORAGE AFFILIATES | COM SHS BEN IN | 637870106 |  | 225678 | 6248 | SH |  | SOLE |  | 458 | 0 | 5790 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 1115532 | 13344 | SH |  | SOLE |  | 12555 | 0 | 789 |
| NIKE INC | CL B | 654106103 |  | 218163 | 1864 | SH |  | SOLE |  | 1069 | 0 | 795 |
| NUSHARES ETF TR | NUVEEN ESG US | 67092P870 |  | 4063735 | 186669 | SH |  | SOLE |  | 171070 | 0 | 15599 |
| PEPSICO INC | COM | 713448108 |  | 977273 | 5409 | SH |  | SOLE |  | 4861 | 0 | 548 |
| PFIZER INC | COM | 717081103 |  | 521518 | 10178 | SH |  | SOLE |  | 9598 | 0 | 580 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 251755 | 2552 | SH |  | SOLE |  | 2552 | 0 | 0 |
| PIMCO ETF TR | 0-5 HIGH YIELD | 72201R783 |  | 647159 | 7250 | SH |  | SOLE |  | 6491 | 0 | 759 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1598241 | 10545 | SH |  | SOLE |  | 9529 | 0 | 1016 |
| PROSHARES TR | PSHS ULT S 500 | 74347R107 |  | 267456 | 6017 | SH |  | SOLE |  | 3041 | 0 | 2976 |
| QUALCOMM INC | COM | 747525103 |  | 366210 | 3331 | SH |  | SOLE |  | 3270 | 0 | 61 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 755766 | 7489 | SH |  | SOLE |  | 6395 | 0 | 1094 |
| SALESFORCE INC | COM | 79466L302 |  | 780557 | 5887 | SH |  | SOLE |  | 2570 | 0 | 3317 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 297442 | 6198 | SH |  | SOLE |  | 5435 | 0 | 763 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 324079 | 9476 | SH |  | SOLE |  | 7661 | 0 | 1815 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 262970 | 2036 | SH |  | SOLE |  | 2036 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 450128 | 3313 | SH |  | SOLE |  | 3227 | 0 | 86 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 234164 | 1882 | SH |  | SOLE |  | 1882 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 3878611 | 10142 | SH |  | SOLE |  | 7984 | 0 | 2158 |
| SSGA ACTIVE ETF TR | SPDR TR TACTIC | 78467V848 |  | 1427675 | 35656 | SH |  | SOLE |  | 34769 | 0 | 887 |
| TE CONNECTIVITY LTD | SHS | H84989104 |  | 871268 | 7589 | SH |  | SOLE |  | 7589 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 305038 | 554 | SH |  | SOLE |  | 548 | 0 | 6 |
| UNION PAC CORP | COM | 907818108 |  | 235917 | 1139 | SH |  | SOLE |  | 505 | 0 | 634 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 522996 | 986 | SH |  | SOLE |  | 726 | 0 | 260 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 30679962 | 407545 | SH |  | SOLE |  | 359710 | 0 | 47835 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 13979556 | 194593 | SH |  | SOLE |  | 175584 | 0 | 19009 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 3265389 | 68846 | SH |  | SOLE |  | 67054 | 0 | 1792 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 31212329 | 234926 | SH |  | SOLE |  | 197644 | 0 | 37282 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 2522114 | 11835 | SH |  | SOLE |  | 9979 | 0 | 1856 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 289869 | 1664 | SH |  | SOLE |  | 632 | 0 | 1032 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 341150 | 4136 | SH |  | SOLE |  | 2787 | 0 | 1349 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 22375590 | 63686 | SH |  | SOLE |  | 49645 | 0 | 14041 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 479406 | 2612 | SH |  | SOLE |  | 1714 | 0 | 898 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 3230597 | 16897 | SH |  | SOLE |  | 14158 | 0 | 2739 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 3095346 | 22051 | SH |  | SOLE |  | 16804 | 0 | 5247 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 2494939 | 64006 | SH |  | SOLE |  | 56239 | 0 | 7767 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 3882075 | 70023 | SH |  | SOLE |  | 61602 | 0 | 8421 |
| VANGUARD INTL EQUITY INDEX F | FTSE PACIFIC ETF | 922042866 |  | 2362482 | 36713 | SH |  | SOLE |  | 33793 | 0 | 2920 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 46846692 | 934318 | SH |  | SOLE |  | 759676 | 0 | 174642 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 607419 | 13344 | SH |  | SOLE |  | 12509 | 0 | 835 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 816532 | 10860 | SH |  | SOLE |  | 8169 | 0 | 2691 |
| VANGUARD SCOTTSDALE FDS | TOTAL WLD BD ETF | 92206C565 |  | 4868895 | 72616 | SH |  | SOLE |  | 70301 | 0 | 2315 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 3115603 | 20518 | SH |  | SOLE |  | 13375 | 0 | 7143 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 10092651 | 195140 | SH |  | SOLE |  | 141500 | 0 | 53640 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 2348860 | 55965 | SH |  | SOLE |  | 45785 | 0 | 10180 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 458469 | 4237 | SH |  | SOLE |  | 2648 | 0 | 1589 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 3766291 | 57186 | SH |  | SOLE |  | 41623 | 0 | 15563 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 5705189 | 115983 | SH |  | SOLE |  | 95504 | 0 | 20479 |
| VANGUARD WORLD FDS | CONSUM STP ETF | 92204A207 |  | 220199 | 1149 | SH |  | SOLE |  | 81 | 0 | 1068 |
| VANGUARD WORLD FDS | HEALTH CAR ETF | 92204A504 |  | 1287746 | 5191 | SH |  | SOLE |  | 3552 | 0 | 1639 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 955111 | 2990 | SH |  | SOLE |  | 1628 | 0 | 1362 |
| VANGUARD WORLD FDS | UTILITIES ETF | 92204A876 |  | 1531111 | 9984 | SH |  | SOLE |  | 6908 | 0 | 3076 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 478568 | 12146 | SH |  | SOLE |  | 9482 | 0 | 2664 |
| WALMART INC | COM | 931142103 |  | 278758 | 1966 | SH |  | SOLE |  | 1541 | 0 | 425 |
| WATSCO INC | COM | 942622200 |  | 633476 | 2540 | SH |  | SOLE |  | 2500 | 0 | 40 |
| WISDOMTREE TR | US ESG FUND | 97717W596 |  | 6059988 | 147556 | SH |  | SOLE |  | 137422 | 0 | 10134 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 215396 | 3569 | SH |  | SOLE |  | 1869 | 0 | 1700 |
| YUM BRANDS INC | COM | 988498101 |  | 680745 | 5315 | SH |  | SOLE |  | 5315 | 0 | 0 |
| YUM CHINA HLDGS INC | COM | 98850P109 |  | 451682 | 8265 | SH |  | SOLE |  | 8265 | 0 | 0 |

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