# EDGAR Filing Document

**Accession Number:** 0002056763
**File Stem:** 0002056763-25-000005
**Filing Date:** 2025-11
**Character Count:** 24426
**Document Hash:** cfcb5917746727264bd70b01f217b853
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002056763-25-000005.hdr.sgml**: 20251113

**ACCESSION NUMBER**: 0002056763-25-000005

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251113

**DATE AS OF CHANGE**: 20251112

**EFFECTIVENESS DATE**: 20251113

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PINNEY & SCOFIELD, INC.
- **CENTRAL INDEX KEY:** 0002056763

**ORGANIZATION NAME:**
- **EIN:** 870699734
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25372
- **FILM NUMBER:** 251475016

**BUSINESS ADDRESS:**
- **STREET 1:** 22 HILLIARD STREET
- **CITY:** CAMBRIDGE
- **STATE:** MA
- **ZIP:** 02138
- **BUSINESS PHONE:** 617-492-6223

**MAIL ADDRESS:**
- **STREET 1:** 22 HILLIARD STREET
- **CITY:** CAMBRIDGE
- **STATE:** MA
- **ZIP:** 02138

### 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:** PINNEY  SCOFIELD INC.<br>**Address:** 22 HILLIARD STREET<br>CAMBRIDGE, MA 02138

**Form 13F File Number:** 028-25372

**CRD Number (if applicable):** 000105365

**SEC File Number (if applicable):** 801-23657

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:** Richard Seeley<br>**Title:** Chief Compliance Officer<br>**Phone:** 617-492-6223

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

Richard Seeley  Cambridge, MA  11-12-2025<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:** 217

**Form 13F Information Table Value Total:** $161055192

      (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 |
| ABBVIE INC | COM | 00287Y109 |  | 112992 | 488 | SH |  | SOLE |  | 0 | 0 | 488 |
| ADOBE INC | COM | 00724F101 |  | 2469 | 7 | SH |  | SOLE |  | 0 | 0 | 7 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 53391 | 330 | SH |  | SOLE |  | 0 | 0 | 330 |
| AEGON LTD | AMER REG 1 CERT | 0076CA104 |  | 5705 | 714 | SH |  | SOLE |  | 0 | 0 | 714 |
| AKAMAI TECHNOLOGIES INC | COM | 00971T101 |  | 10341 | 136 | SH |  | SOLE |  | 96 | 0 | 40 |
| ALLOGENE THERAPEUTICS INC | COM | 019770106 |  | 238 | 192 | SH |  | SOLE |  | 0 | 0 | 192 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 266200 | 1093 | SH |  | SOLE |  | 169 | 0 | 924 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 591705 | 2434 | SH |  | SOLE |  | 80 | 0 | 2354 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 41680 | 631 | SH |  | SOLE |  | 331 | 0 | 300 |
| AMAZON COM INC | COM | 023135106 |  | 501278 | 2283 | SH |  | SOLE |  | 53 | 0 | 2230 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 |  | 107122 | 557 | SH |  | SOLE |  | 0 | 0 | 557 |
| AMGEN INC | COM | 031162100 |  | 28220 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| AMPLIFY ETF TR | ALTRNTV HARV ETF | 032108474 |  | 1271 | 34 | SH |  | SOLE |  | 0 | 0 | 34 |
| ANALOG DEVICES INC | COM | 032654105 |  | 60934 | 248 | SH |  | SOLE |  | 234 | 0 | 14 |
| APPLE INC | COM | 037833100 |  | 5608464 | 22026 | SH |  | SOLE |  | 198 | 0 | 21828 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 4840 | 5 | SH |  | SOLE |  | 0 | 0 | 5 |
| AT INC | COM | 00206R102 |  | 216494 | 7666 | SH |  | SOLE |  | 1270 | 0 | 6396 |
| AURORA CANNABIS INC | COM | 05156X850 |  | 2384 | 400 | SH |  | SOLE |  | 0 | 0 | 400 |
| AUTOMATIC DATA PROCESSING INC | COM | 053015103 |  | 132075 | 450 | SH |  | SOLE |  | 0 | 0 | 450 |
| BANK MONTREAL QUE | COM | 063671101 |  | 221425 | 1700 | SH |  | SOLE |  | 0 | 0 | 1700 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 461515 | 918 | SH |  | SOLE |  | 910 | 0 | 8 |
| BERKSHIRE HILLS BANCORP INC | COM | 084680107 |  | 34300 | 1447 | SH |  | SOLE |  | 1260 | 0 | 187 |
| BEYOND MEAT INC | COM | 08862E109 |  | 1512 | 800 | SH |  | SOLE |  | 0 | 0 | 800 |
| BOEING CO | COM | 097023105 |  | 88274 | 409 | SH |  | SOLE |  | 0 | 0 | 409 |
| BP PLC | SPONSORED ADR | 055622104 |  | 103725 | 3010 | SH |  | SOLE |  | 2820 | 0 | 190 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 20295 | 450 | SH |  | SOLE |  | 0 | 0 | 450 |
| CANOPY GROWTH CORP | COM NEW | 138035704 |  | 584 | 400 | SH |  | SOLE |  | 0 | 0 | 400 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 3250 | 54 | SH |  | SOLE |  | 0 | 0 | 54 |
| CELESTICA INC | COM | 15101Q207 |  | 44348 | 180 | SH |  | SOLE |  | 0 | 0 | 180 |
| CENTENE CORP DEL | COM | 15135B101 |  | 14629 | 410 | SH |  | SOLE |  | 0 | 0 | 410 |
| CHEMOURS CO | COM | 163851108 |  | 3168 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| CISCO SYS INC | COM | 17275R102 |  | 108104 | 1580 | SH |  | SOLE |  | 0 | 0 | 1580 |
| COGNEX CORP | COM | 192422103 |  | 125481 | 2770 | SH |  | SOLE |  | 0 | 0 | 2770 |
| COGNIZANT TECHNOLOGY SOLUTIO | CL A | 192446102 |  | 51040 | 761 | SH |  | SOLE |  | 0 | 0 | 761 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 17281 | 550 | SH |  | SOLE |  | 0 | 0 | 550 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 72395 | 220 | SH |  | SOLE |  | 0 | 0 | 220 |
| CORTEVA INC | COM | 22052L104 |  | 31921 | 472 | SH |  | SOLE |  | 0 | 0 | 472 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 336929 | 364 | SH |  | SOLE |  | 0 | 0 | 364 |
| CSX CORP | COM | 126408103 |  | 103867 | 2925 | SH |  | SOLE |  | 0 | 0 | 2925 |
| CVS HEALTH CORP | COM | 126650100 |  | 124921 | 1657 | SH |  | SOLE |  | 0 | 0 | 1657 |
| DANAOS CORPORATION | SHS | Y1968P121 |  | 22902 | 255 | SH |  | SOLE |  | 0 | 0 | 255 |
| DEERE  CO | COM | 244199105 |  | 52585 | 115 | SH |  | SOLE |  | 0 | 0 | 115 |
| DELL TECHNOLOGIES INC | CL C | 24703L202 |  | 54014 | 381 | SH |  | SOLE |  | 381 | 0 | 0 |
| DENTSPLY SIRONA INC | COM | 24906P109 |  | 1269 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| DIAGEO PLC | SPON ADR NEW | 25243Q205 |  | 1527 | 16 | SH |  | SOLE |  | 0 | 0 | 16 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS HI | 25434V757 |  | 496224 | 16247 | SH |  | SOLE |  | 16247 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 259226 | 8222 | SH |  | SOLE |  | 8222 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 163085 | 4487 | SH |  | SOLE |  | 4487 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 7952313 | 333430 | SH |  | SOLE |  | 333430 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 18950256 | 276808 | SH |  | SOLE |  | 276808 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 10712696 | 184035 | SH |  | SOLE |  | 184035 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 18990 | 415 | SH |  | SOLE |  | 415 | 0 | 0 |
| DIMENSIONAL ETF TRUST | WORLD EQUITY ETF | 25434V617 |  | 41916 | 583 | SH |  | SOLE |  | 583 | 0 | 0 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 1124635 | 26301 | SH |  | SOLE |  | 26301 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 1657707 | 51690 | SH |  | SOLE |  | 51690 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 |  | 1427867 | 44775 | SH |  | SOLE |  | 44775 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 |  | 18691288 | 442607 | SH |  | SOLE |  | 442607 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 3844409 | 121543 | SH |  | SOLE |  | 121543 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 19853861 | 430483 | SH |  | SOLE |  | 430483 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 3875375 | 117793 | SH |  | SOLE |  | 117793 | 0 | 0 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 179405 | 3723 | SH |  | SOLE |  | 3723 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MARKETS | 25434V682 |  | 42364 | 1031 | SH |  | SOLE |  | 1031 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 18911 | 445 | SH |  | SOLE |  | 445 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 6027836 | 189316 | SH |  | SOLE |  | 189316 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 14543043 | 325421 | SH |  | SOLE |  | 325421 | 0 | 0 |
| DIMENSIONAL ETF TRUST | GLOBAL CR ETF | 25434V567 |  | 529 | 10 | SH |  | SOLE |  | 10 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 |  | 2718531 | 89440 | SH |  | SOLE |  | 89440 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 8413447 | 235737 | SH |  | SOLE |  | 235737 | 0 | 0 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 2200 | 43 | SH |  | SOLE |  | 43 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 132591 | 1158 | SH |  | SOLE |  | 8 | 0 | 1150 |
| DNOW INC | COM | 67011P100 |  | 473 | 31 | SH |  | SOLE |  | 0 | 0 | 31 |
| DOLLAR GEN CORP NEW | COM | 256677105 |  | 13022 | 126 | SH |  | SOLE |  | 0 | 0 | 126 |
| DOW INC | COM | 260557103 |  | 10823 | 472 | SH |  | SOLE |  | 0 | 0 | 472 |
| DUPONT DE NEMOURS INC | COM | 26614N102 |  | 36769 | 472 | SH |  | SOLE |  | 0 | 0 | 472 |
| EATON CORP PLC | SHS | G29183103 |  | 8608 | 23 | SH |  | SOLE |  | 0 | 0 | 23 |
| EBAY INC. | COM | 278642103 |  | 44838 | 493 | SH |  | SOLE |  | 493 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 5636281 | 7387 | SH |  | SOLE |  | 0 | 0 | 7387 |
| EMERSON ELEC CO | COM | 291011104 |  | 12462 | 95 | SH |  | SOLE |  | 0 | 0 | 95 |
| EMPIRE ST RLTY TR INC | EMPIRE | 292104106 |  | 76600 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| ENTERGY CORP NEW | COM | 29364G103 |  | 6151 | 66 | SH |  | SOLE |  | 0 | 0 | 66 |
| ENVIRI CORP | COM | 415864107 |  | 711 | 56 | SH |  | SOLE |  | 0 | 0 | 56 |
| EQT CORP | COM | 26884L109 |  | 1361 | 25 | SH |  | SOLE |  | 0 | 0 | 25 |
| EQUINIX INC | COM | 29444U700 |  | 23497 | 30 | SH |  | SOLE |  | 0 | 0 | 30 |
| EVERSOURCE ENERGY | COM | 30040W108 |  | 34859 | 490 | SH |  | SOLE |  | 0 | 0 | 490 |
| EXPAND ENERGY CORPORATION | COM | 165167735 |  | 27622 | 260 | SH |  | SOLE |  | 0 | 0 | 260 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 390679 | 3465 | SH |  | SOLE |  | 282 | 0 | 3183 |
| FIDELITY COVINGTON TRUST | ENHANCED INTL | 31609A404 |  | 36424 | 1032 | SH |  | SOLE |  | 1032 | 0 | 0 |
| GE AEROSPACE | COM NEW | 369604301 |  | 262339 | 872 | SH |  | SOLE |  | 99 | 0 | 773 |
| GE HEALTHCARE TECHNOLOGIES | COMMON STOCK | 36266G107 |  | 21609 | 288 | SH |  | SOLE |  | 33 | 0 | 255 |
| GE VERNOVA INC | COM | 36828A101 |  | 132204 | 215 | SH |  | SOLE |  | 0 | 0 | 215 |
| GLOBAL X FDS | LITHIUM BTRY ETF | 37954Y855 |  | 4832 | 85 | SH |  | SOLE |  | 0 | 0 | 85 |
| GOLDMAN SACHS ETF TR | EQUAL WEIGHT US | 381430438 |  | 27029 | 318 | SH |  | SOLE |  | 318 | 0 | 0 |
| GRANITESHARES ETF TR | 2X LONG NVDA DAI | 38747R827 |  | 14043 | 150 | SH |  | SOLE |  | 0 | 0 | 150 |
| HOME DEPOT INC | COM | 437076102 |  | 5267 | 13 | SH |  | SOLE |  | 0 | 0 | 13 |
| HONEYWELL INTL INC | COM | 438516106 |  | 15788 | 75 | SH |  | SOLE |  | 0 | 0 | 75 |
| HUMANA INC | COM | 444859102 |  | 13009 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| ICF INTL INC | COM | 44925C103 |  | 79066 | 852 | SH |  | SOLE |  | 0 | 0 | 852 |
| INGERSOLL RAND INC | COM | 45687V106 |  | 10906 | 132 | SH |  | SOLE |  | 0 | 0 | 132 |
| INTEL CORP | COM | 458140100 |  | 22344 | 666 | SH |  | SOLE |  | 400 | 0 | 266 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 232990 | 826 | SH |  | SOLE |  | 0 | 0 | 826 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 494 | 2 | SH |  | SOLE |  | 0 | 0 | 2 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 413912 | 6279 | SH |  | SOLE |  | 6279 | 0 | 0 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 338686 | 3558 | SH |  | SOLE |  | 3558 | 0 | 0 |
| ISHARES TR | COHEN STEER REIT | 464287564 |  | 4806 | 78 | SH |  | SOLE |  | 0 | 0 | 78 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1168021 | 13378 | SH |  | SOLE |  | 13378 | 0 | 0 |
| ISHARES TR | EXPANDED TECH | 464287515 |  | 32203 | 280 | SH |  | SOLE |  | 0 | 0 | 280 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 834023 | 12780 | SH |  | SOLE |  | 12780 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 345082 | 2904 | SH |  | SOLE |  | 2904 | 0 | 0 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 26640 | 129 | SH |  | SOLE |  | 129 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 758986 | 1134 | SH |  | SOLE |  | 1134 | 0 | 0 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 131573 | 360 | SH |  | SOLE |  | 360 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 9194 | 38 | SH |  | SOLE |  | 38 | 0 | 0 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 143216 | 810 | SH |  | SOLE |  | 810 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 72487 | 509 | SH |  | SOLE |  | 509 | 0 | 0 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 1023430 | 10600 | SH |  | SOLE |  | 10600 | 0 | 0 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 266295 | 3471 | SH |  | SOLE |  | 3471 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 1172978 | 10985 | SH |  | SOLE |  | 10985 | 0 | 0 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 97651 | 878 | SH |  | SOLE |  | 830 | 0 | 48 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 334040 | 1059 | SH |  | SOLE |  | 0 | 0 | 1059 |
| KENVUE INC | COM | 49177J102 |  | 9251 | 570 | SH |  | SOLE |  | 0 | 0 | 570 |
| KRAFT HEINZ CO | COM | 500754106 |  | 48200 | 1851 | SH |  | SOLE |  | 0 | 0 | 1851 |
| KROGER CO | COM | 501044101 |  | 58916 | 874 | SH |  | SOLE |  | 0 | 0 | 874 |
| KYNDRYL HLDGS INC | COMMON STOCK | 50155Q100 |  | 2763 | 92 | SH |  | SOLE |  | 0 | 0 | 92 |
| LAS VEGAS SANDS CORP | COM | 517834107 |  | 16137 | 300 | SH |  | SOLE |  | 0 | 0 | 300 |
| Life  Banc Split Corp | Preferred Shares | 53184C118 |  | 27900 | 2500 | SH |  | SOLE |  | 0 | 0 | 2500 |
| LINDE PLC | SHS | G54950103 |  | 10925 | 23 | SH |  | SOLE |  | 0 | 0 | 23 |
| MANULIFE FINL CORP | COM | 56501R106 |  | 27194 | 873 | SH |  | SOLE |  | 0 | 0 | 873 |
| MARATHON PETE CORP | COM | 56585A102 |  | 28911 | 150 | SH |  | SOLE |  | 0 | 0 | 150 |
| MARRIOTT VACATIONS WORLDWIDE | COM | 57164Y107 |  | 7987 | 120 | SH |  | SOLE |  | 120 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 74453 | 245 | SH |  | SOLE |  | 0 | 0 | 245 |
| MERCK  CO INC | COM | 58933Y105 |  | 21150 | 252 | SH |  | SOLE |  | 200 | 0 | 52 |
| META PLATFORMS INC | CL A | 30303M102 |  | 304768 | 415 | SH |  | SOLE |  | 18 | 0 | 397 |
| MICROSOFT CORP | COM | 594918104 |  | 539676 | 1042 | SH |  | SOLE |  | 434 | 0 | 608 |
| MICROSTRATEGY INC | CL A NEW | 594972408 |  | 8055 | 25 | SH |  | SOLE |  | 0 | 0 | 25 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 20927 | 335 | SH |  | SOLE |  | 0 | 0 | 335 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 211372 | 2800 | SH |  | SOLE |  | 0 | 0 | 2800 |
| NORTHERN TR CORP | COM | 665859104 |  | 2692 | 20 | SH |  | SOLE |  | 0 | 0 | 20 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 3481988 | 18662 | SH |  | SOLE |  | 260 | 0 | 18402 |
| OCCIDENTAL PETE CORP | COM | 674599105 |  | 1465 | 31 | SH |  | SOLE |  | 0 | 0 | 31 |
| OCCIDENTAL PETE CORP | *W EXP 08/03/202 | 674599162 |  | 77 | 3 | SH |  | SOLE |  | 3 | 0 | 0 |
| ORGANON  CO | COMMON STOCK | 68622V106 |  | 598 | 56 | SH |  | SOLE |  | 20 | 0 | 36 |
| OTIS WORLDWIDE CORP | COM | 68902V107 |  | 2498 | 27 | SH |  | SOLE |  | 0 | 0 | 27 |
| PAYPAL HLDGS INC | COM | 70450Y103 |  | 20722 | 309 | SH |  | SOLE |  | 309 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 135579 | 5321 | SH |  | SOLE |  | 600 | 0 | 4721 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 53526 | 330 | SH |  | SOLE |  | 330 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 306993 | 1998 | SH |  | SOLE |  | 117 | 0 | 1881 |
| PROGRESSIVE CORP | COM | 743315103 |  | 6421 | 26 | SH |  | SOLE |  | 26 | 0 | 0 |
| PTC INC | COM | 69370C100 |  | 51973 | 256 | SH |  | SOLE |  | 256 | 0 | 0 |
| QUANTUM SI INC | COM CL A | 74765K105 |  | 5189 | 3680 | SH |  | SOLE |  | 0 | 0 | 3680 |
| REGENERON PHARMACEUTICALS | COM | 75886F107 |  | 19679 | 35 | SH |  | SOLE |  | 0 | 0 | 35 |
| RIVIAN AUTOMOTIVE INC | COM CL A | 76954A103 |  | 5138 | 350 | SH |  | SOLE |  | 0 | 0 | 350 |
| RTX CORPORATION | COM | 75513E101 |  | 37704 | 225 | SH |  | SOLE |  | 0 | 0 | 225 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US S | 808524763 |  | 23794 | 764 | SH |  | SOLE |  | 764 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US B | 808524789 |  | 9266 | 360 | SH |  | SOLE |  | 360 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524748 |  | 13012 | 292 | SH |  | SOLE |  | 292 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 23229 | 541 | SH |  | SOLE |  | 541 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 37104 | 1411 | SH |  | SOLE |  | 1411 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 53796 | 1928 | SH |  | SOLE |  | 1928 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 9959 | 387 | SH |  | SOLE |  | 387 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 |  | 146723 | 3224 | SH |  | SOLE |  | 3224 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 67110 | 2883 | SH |  | SOLE |  | 2883 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 119982 | 3760 | SH |  | SOLE |  | 3760 | 0 | 0 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 13643 | 506 | SH |  | SOLE |  | 506 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 12855 | 442 | SH |  | SOLE |  | 442 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 268589 | 10197 | SH |  | SOLE |  | 10197 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 27834 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| SEMPRA | COM | 816851109 |  | 20335 | 226 | SH |  | SOLE |  | 0 | 0 | 226 |
| SHELL PLC | SPON ADS | 780259305 |  | 9299 | 130 | SH |  | SOLE |  | 0 | 0 | 130 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 14574 | 41 | SH |  | SOLE |  | 0 | 0 | 41 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 77943 | 117 | SH |  | SOLE |  | 117 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 79868 | 134 | SH |  | SOLE |  | 0 | 0 | 134 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 18907 | 135 | SH |  | SOLE |  | 135 | 0 | 0 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 83770 | 1514 | SH |  | SOLE |  | 1514 | 0 | 0 |
| STRYKER CORPORATION | COM | 863667101 |  | 133081 | 360 | SH |  | SOLE |  | 0 | 0 | 360 |
| SUPER MICRO COMPUTER INC | COM NEW | 86800U302 |  | 2397 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 41894 | 150 | SH |  | SOLE |  | 0 | 0 | 150 |
| TESLA INC | COM | 88160R101 |  | 406919 | 915 | SH |  | SOLE |  | 0 | 0 | 915 |
| TEXAS INSTRS INC | COM | 882508104 |  | 67980 | 370 | SH |  | SOLE |  | 0 | 0 | 370 |
| TIDAL TR II | YIELDMAX NVDA | 88634T774 |  | 3360 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| T-MOBILE US INC | COM | 872590104 |  | 41892 | 175 | SH |  | SOLE |  | 0 | 0 | 175 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 63294 | 150 | SH |  | SOLE |  | 0 | 0 | 150 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 59893 | 1310 | SH |  | SOLE |  | 0 | 0 | 1310 |
| UMB FINL CORP | COM | 902788108 |  | 159331 | 1346 | SH |  | SOLE |  | 0 | 0 | 1346 |
| UNION PAC CORP | COM | 907818108 |  | 171110 | 724 | SH |  | SOLE |  | 0 | 0 | 724 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 51371 | 615 | SH |  | SOLE |  | 0 | 0 | 615 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 124999 | 362 | SH |  | SOLE |  | 0 | 0 | 362 |
| VALERO ENERGY CORP | COM | 91913Y100 |  | 17026 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| VANGUARD ADMIRAL FDS INC | 500 VAL IDX FD | 921932703 |  | 49868 | 250 | SH |  | SOLE |  | 250 | 0 | 0 |
| VANGUARD BD INDEX FDS | LONG TERM BOND | 921937793 |  | 2805337 | 39595 | SH |  | SOLE |  | 39595 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 156731 | 2107 | SH |  | SOLE |  | 2107 | 0 | 0 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 135023 | 1711 | SH |  | SOLE |  | 1711 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 40072 | 192 | SH |  | SOLE |  | 192 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 112621 | 184 | SH |  | SOLE |  | 0 | 0 | 184 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 29849 | 102 | SH |  | SOLE |  | 0 | 0 | 102 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 61955 | 189 | SH |  | SOLE |  | 189 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 834435 | 1740 | SH |  | SOLE |  | 1740 | 0 | 0 |
| VANGUARD INDEX FUNDS | REAL ESTATE ETF | 922908553 |  | 298209 | 3262 | SH |  | SOLE |  | 3262 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 33544 | 470 | SH |  | SOLE |  | 470 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 83196 | 1043 | SH |  | SOLE |  | 1043 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE PACIFIC ETF | 922042866 |  | 1895020 | 21574 | SH |  | SOLE |  | 21574 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 440754 | 8135 | SH |  | SOLE |  | 8135 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | LG-TERM COR BD | 92206C813 |  | 47815 | 616 | SH |  | SOLE |  | 616 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 111263 | 1392 | SH |  | SOLE |  | 1392 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 45705 | 804 | SH |  | SOLE |  | 804 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 11199 | 52 | SH |  | SOLE |  | 52 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 29361 | 490 | SH |  | SOLE |  | 490 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 14095 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| VERALTO CORP | COM SHS | 92338C103 |  | 9168 | 86 | SH |  | SOLE |  | 0 | 0 | 86 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 57179 | 1301 | SH |  | SOLE |  | 326 | 0 | 975 |
| VIATRIS INC | COM | 92556V106 |  | 733 | 74 | SH |  | SOLE |  | 74 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 203804 | 597 | SH |  | SOLE |  | 106 | 0 | 491 |
| WABTEC | COM | 929740108 |  | 1804 | 9 | SH |  | SOLE |  | 0 | 0 | 9 |
| WARNER BROS DISCOVERY INC | COM SER A | 934423104 |  | 34392 | 1761 | SH |  | SOLE |  | 307 | 0 | 1454 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 15171 | 181 | SH |  | SOLE |  | 0 | 0 | 181 |
| WESTERN DIGITAL CORP | COM | 958102105 |  | 18009 | 150 | SH |  | SOLE |  | 0 | 0 | 150 |
| WISDOMTREE TR | INTL SMCAP DIV | 97717W760 |  | 6838 | 86 | SH |  | SOLE |  | 0 | 0 | 86 |
| YUM BRANDS INC | COM | 988498101 |  | 70984 | 467 | SH |  | SOLE |  | 0 | 0 | 467 |

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