# EDGAR Filing Document

**Accession Number:** 0001752758
**File Stem:** 0001752758-25-000003
**Filing Date:** 2025-10
**Character Count:** 18445
**Document Hash:** 579c52cb7e5b23f1e7d2704673940680
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001752758-25-000003.hdr.sgml**: 20251028

**ACCESSION NUMBER**: 0001752758-25-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251028

**DATE AS OF CHANGE**: 20251027

**EFFECTIVENESS DATE**: 20251028

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Elwood & Goetz Wealth Advisory Group, LLC
- **CENTRAL INDEX KEY:** 0001752758

**ORGANIZATION NAME:**
- **EIN:** 273195946
- **STATE OF INCORPORATION:** GA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19047
- **FILM NUMBER:** 251421011

**BUSINESS ADDRESS:**
- **STREET 1:** 687 S. MILLEDGE AVE
- **CITY:** ATHENS
- **STATE:** GA
- **ZIP:** 30605
- **BUSINESS PHONE:** 706-548-1025

**MAIL ADDRESS:**
- **STREET 1:** 687 S. MILLEDGE AVE
- **CITY:** ATHENS
- **STATE:** GA
- **ZIP:** 30605

### 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:** Elwood  Goetz Wealth Advisory Group LLC<br>**Address:** 687 S. MILLEDGE AVE<br>ATHENS, GA 30605

**Form 13F File Number:** 028-19047

**CRD Number (if applicable):** 000154839

**SEC File Number (if applicable):** 801-109935

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:** Lindsay Elwood<br>**Title:** Compliance Officer<br>**Phone:** 706-548-1025

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

/s/Lindsay Elwood  Athens, GA  10-27-2025<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:** 133

**Form 13F Information Table Value Total:** $520999203

      (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 |
| 3M CO | COM | 88579Y101 | BBG001S5T7X2 | 265047 | 1708 | SH |  | SOLE |  | 0 | 0 | 1708 |
| ABBOTT LABS | COM | 002824100 | BBG001S5N9M6 | 363781 | 2716 | SH |  | SOLE |  | 0 | 0 | 2716 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 1247103 | 5130 | SH |  | SOLE |  | 0 | 0 | 5130 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 1360227 | 5585 | SH |  | SOLE |  | 0 | 0 | 5585 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 1898841 | 8648 | SH |  | SOLE |  | 0 | 0 | 8648 |
| AMERICAN CENTY ETF TR | AVANTIS US MID C | 025072125 | BBG01JYBR2Z3 | 24036480 | 345444 | SH |  | SOLE |  | 0 | 0 | 345444 |
| AMERICAN CENTY ETF TR | AVANTIS US SMALL | 025072323 | BBG014GDZKC8 | 33919251 | 592476 | SH |  | SOLE |  | 0 | 0 | 592476 |
| AMERICAN EXPRESS CO | COM | 025816109 | BBG001S5P034 | 692221 | 2084 | SH |  | SOLE |  | 0 | 0 | 2084 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 5040027 | 19794 | SH |  | SOLE |  | 0 | 0 | 19794 |
| ARK ETF TR | NEXT GNRTN INTER | 00214Q401 | BBG0077Q7LG8 | 329838 | 1889 | SH |  | SOLE |  | 0 | 0 | 1889 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 | BBG001SCG0R3 | 313661 | 324 | SH |  | SOLE |  | 0 | 0 | 324 |
| AT INC | COM | 00206R102 | BBG001S5VWH2 | 651327 | 23064 | SH |  | SOLE |  | 0 | 0 | 23064 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 2709266 | 5389 | SH |  | SOLE |  | 0 | 0 | 5389 |
| BLACKROCK ETF TRUST II | ISHARES AAA CLO | 092528504 | BBG01C8315P7 | 1256358 | 24177 | SH |  | SOLE |  | 0 | 0 | 24177 |
| BLACKROCK INC | COM | 09290D101 | BBG01PSW2WR0 | 204027 | 175 | SH |  | SOLE |  | 0 | 0 | 175 |
| BLACKSTONE INC | COM | 09260D107 | BBG001S7H949 | 402693 | 2357 | SH |  | SOLE |  | 0 | 0 | 2357 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 392923 | 1191 | SH |  | SOLE |  | 0 | 0 | 1191 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 | BBG00RP5HZM1 | 239636 | 4014 | SH |  | SOLE |  | 0 | 0 | 4014 |
| CATERPILLAR INC | COM | 149123101 | BBG001S5PJ06 | 762009 | 1597 | SH |  | SOLE |  | 0 | 0 | 1597 |
| CHURCH  DWIGHT CO INC | COM | 171340102 | BBG001S5PR99 | 307494 | 3509 | SH |  | SOLE |  | 0 | 0 | 3509 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 474652 | 7157 | SH |  | SOLE |  | 0 | 0 | 7157 |
| CORNING INC | COM | 219350105 | BBG001S5RLH1 | 323608 | 3945 | SH |  | SOLE |  | 0 | 0 | 3945 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 1114459 | 1204 | SH |  | SOLE |  | 0 | 0 | 1204 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 | BBG00BLYKRZ7 | 332478 | 678 | SH |  | SOLE |  | 0 | 0 | 678 |
| CSX CORP | COM | 126408103 | BBG001S5Q7Q3 | 226305 | 6373 | SH |  | SOLE |  | 0 | 0 | 6373 |
| DEERE  CO | COM | 244199105 | BBG001S5QFF7 | 483781 | 1058 | SH |  | SOLE |  | 0 | 0 | 1058 |
| DIMENSIONAL ETF TRUST | GLOBAL CORE PLUS | 25434V583 | BBG01JXC18B3 | 287908 | 5181 | SH |  | SOLE |  | 0 | 0 | 5181 |
| DIMENSIONAL ETF TRUST | GLOBAL CR ETF | 25434V567 | BBG01JX91JD4 | 867404 | 15643 | SH |  | SOLE |  | 0 | 0 | 15643 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 | BBG01631TNW2 | 236121 | 7201 | SH |  | SOLE |  | 0 | 0 | 7201 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 | BBG01633DW64 | 1190395 | 37635 | SH |  | SOLE |  | 0 | 0 | 37635 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 | BBG011DXY6D4 | 1067772 | 27684 | SH |  | SOLE |  | 0 | 0 | 27684 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 | BBG015DLMLQ7 | 214269 | 5673 | SH |  | SOLE |  | 0 | 0 | 5673 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 | BBG015GTL6R0 | 52434739 | 2198522 | SH |  | SOLE |  | 0 | 0 | 2198522 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 | BBG011DXXVM0 | 629900 | 9201 | SH |  | SOLE |  | 0 | 0 | 9201 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 296044 | 388 | SH |  | SOLE |  | 0 | 0 | 388 |
| ETFIS SER TR I | VIRTUS NEWFLEET | 26923G707 | BBG009RY71Y9 | 14409621 | 624740 | SH |  | SOLE |  | 0 | 0 | 624740 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 292294 | 2592 | SH |  | SOLE |  | 0 | 0 | 2592 |
| FIRST TR EXCHANGE-TRADED FD | GBL WND ENRG ETF | 33736G106 | BBG001T2Y423 | 199613 | 10391 | SH |  | SOLE |  | 0 | 0 | 10391 |
| FREEPORT-MCMORAN INC | CL B | 35671D857 | BBG001S5R3F3 | 256028 | 6528 | SH |  | SOLE |  | 0 | 0 | 6528 |
| GARTNER INC | COM | 366651107 | BBG001S5SD60 | 430844 | 1639 | SH |  | SOLE |  | 0 | 0 | 1639 |
| GE AEROSPACE | COM NEW | 369604301 | BBG001S5PVD5 | 469580 | 1561 | SH |  | SOLE |  | 0 | 0 | 1561 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 | BBG001SC07Z6 | 290668 | 365 | SH |  | SOLE |  | 0 | 0 | 365 |
| HERSHEY CO | COM | 427866108 | BBG001S5S148 | 206690 | 1105 | SH |  | SOLE |  | 0 | 0 | 1105 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 1673435 | 4130 | SH |  | SOLE |  | 0 | 0 | 4130 |
| HONEYWELL INTL INC | COM | 438516106 | BBG001S5X1N1 | 226709 | 1077 | SH |  | SOLE |  | 0 | 0 | 1077 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 598744 | 2122 | SH |  | SOLE |  | 0 | 0 | 2122 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 | BBG001S7XR78 | 259393 | 580 | SH |  | SOLE |  | 0 | 0 | 580 |
| INVESCO EXCHANGE TRADED FD T | WILDERHIL CLAN | 46137V134 | BBG001SNPT69 | 492081 | 17039 | SH |  | SOLE |  | 0 | 0 | 17039 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 | BBG00D7BDH70 | 275196 | 6338 | SH |  | SOLE |  | 0 | 0 | 6338 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 | BBG00H5VLN77 | 209551 | 3104 | SH |  | SOLE |  | 0 | 0 | 3104 |
| ISHARES INC | MSCI GBL ETF NEW | 46434G848 | BBG002GKR9K2 | 778572 | 17496 | SH |  | SOLE |  | 0 | 0 | 17496 |
| ISHARES TR | BROAD USD HIGH | 46435U853 | BBG00J2DS0J6 | 380482 | 10071 | SH |  | SOLE |  | 0 | 0 | 10071 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 1851366 | 28369 | SH |  | SOLE |  | 0 | 0 | 28369 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 7112081 | 59851 | SH |  | SOLE |  | 0 | 0 | 59851 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 571676 | 3925 | SH |  | SOLE |  | 0 | 0 | 3925 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 3681363 | 5500 | SH |  | SOLE |  | 0 | 0 | 5500 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 | BBG00D7BBRS7 | 1638401 | 17621 | SH |  | SOLE |  | 0 | 0 | 17621 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 | BBG00KK87757 | 391520 | 8685 | SH |  | SOLE |  | 0 | 0 | 8685 |
| ISHARES TR | ESG SELECT SCRE | 46436E569 | BBG00XDJC7F6 | 285324 | 5538 | SH |  | SOLE |  | 0 | 0 | 5538 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 | BBG001ST0ZQ7 | 3600957 | 44352 | SH |  | SOLE |  | 0 | 0 | 44352 |
| ISHARES TR | LARGE CAP MAX BU | 46438G471 | BBG01RJXQD09 | 685758 | 25956 | SH |  | SOLE |  | 0 | 0 | 25956 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 383937 | 4112 | SH |  | SOLE |  | 0 | 0 | 4112 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 630011 | 1345 | SH |  | SOLE |  | 0 | 0 | 1345 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 | BBG001S562P7 | 240847 | 1183 | SH |  | SOLE |  | 0 | 0 | 1183 |
| ISHARES TR | S 500 VAL ETF | 464287408 | BBG001S561K4 | 216009 | 1046 | SH |  | SOLE |  | 0 | 0 | 1046 |
| ISHARES TR | S MC 400VL ETF | 464287705 | BBG001SFQJM9 | 792459 | 6109 | SH |  | SOLE |  | 0 | 0 | 6109 |
| ISHARES TR | U.S. TECH ETF | 464287721 | BBG001SFB7Z7 | 3588939 | 18324 | SH |  | SOLE |  | 0 | 0 | 18324 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 | BBG005PCDCZ5 | 500953 | 9871 | SH |  | SOLE |  | 0 | 0 | 9871 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 | BBG016NKZFF7 | 254584 | 4426 | SH |  | SOLE |  | 0 | 0 | 4426 |
| JOHN HANCOCK EXCHANGE TRADED | MULTIFACTOR MI | 47804J206 | BBG00B2MF4T8 | 363170 | 5614 | SH |  | SOLE |  | 0 | 0 | 5614 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 598350 | 3227 | SH |  | SOLE |  | 0 | 0 | 3227 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 1305576 | 4139 | SH |  | SOLE |  | 0 | 0 | 4139 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 550629 | 1103 | SH |  | SOLE |  | 0 | 0 | 1103 |
| LOWES COS INC | COM | 548661107 | BBG001S5SVL3 | 664464 | 2644 | SH |  | SOLE |  | 0 | 0 | 2644 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 | BBG001SKNNS6 | 312846 | 550 | SH |  | SOLE |  | 0 | 0 | 550 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 277594 | 913 | SH |  | SOLE |  | 0 | 0 | 913 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 418597 | 570 | SH |  | SOLE |  | 0 | 0 | 570 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 4541006 | 8767 | SH |  | SOLE |  | 0 | 0 | 8767 |
| MORGAN STANLEY | COM NEW | 617446448 | BBG001S9V5Z3 | 393267 | 2474 | SH |  | SOLE |  | 0 | 0 | 2474 |
| MOTOROLA SOLUTIONS INC | COM NEW | 620076307 | BBG001S5T9L1 | 250138 | 547 | SH |  | SOLE |  | 0 | 0 | 547 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 206214 | 172 | SH |  | SOLE |  | 0 | 0 | 172 |
| NEXTERA ENERGY INC | COM | 65339F101 | BBG001S5RB29 | 1220447 | 16167 | SH |  | SOLE |  | 0 | 0 | 16167 |
| NORFOLK SOUTHN CORP | COM | 655844108 | BBG001S5TQJ6 | 305217 | 1016 | SH |  | SOLE |  | 0 | 0 | 1016 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 2033350 | 10898 | SH |  | SOLE |  | 0 | 0 | 10898 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 590042 | 2098 | SH |  | SOLE |  | 0 | 0 | 2098 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 435458 | 2834 | SH |  | SOLE |  | 0 | 0 | 2834 |
| REGENERON PHARMACEUTICALS | COM | 75886F107 | BBG001S6PX49 | 255271 | 454 | SH |  | SOLE |  | 0 | 0 | 454 |
| ROYAL BK CDA | COM | 780087102 | BBG001S60869 | 214645 | 1457 | SH |  | SOLE |  | 0 | 0 | 1457 |
| RTX CORPORATION | COM | 75513E101 | BBG001S5X5Q9 | 282453 | 1688 | SH |  | SOLE |  | 0 | 0 | 1688 |
| S GLOBAL INC | COM | 78409V104 | BBG001S5T5M8 | 297867 | 612 | SH |  | SOLE |  | 0 | 0 | 612 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | BBG001T6L7D9 | 649193 | 19454 | SH |  | SOLE |  | 0 | 0 | 19454 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | BBG001T5XQY3 | 10988689 | 472023 | SH |  | SOLE |  | 0 | 0 | 472023 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | BBG001T5XQT9 | 1254201 | 48783 | SH |  | SOLE |  | 0 | 0 | 48783 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 | BBG001V036R6 | 10608852 | 357923 | SH |  | SOLE |  | 0 | 0 | 357923 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 | BBG001V039G2 | 607755 | 28176 | SH |  | SOLE |  | 0 | 0 | 28176 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | BBG001T5XQW5 | 7047574 | 252601 | SH |  | SOLE |  | 0 | 0 | 252601 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 | BBG001S7TCZ5 | 1567987 | 5563 | SH |  | SOLE |  | 0 | 0 | 5563 |
| SOUTHERN CO | COM | 842587107 | BBG001S5W777 | 533872 | 5633 | SH |  | SOLE |  | 0 | 0 | 5633 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 341962 | 962 | SH |  | SOLE |  | 0 | 0 | 962 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 | BBG001SRXRD7 | 2722142 | 58153 | SH |  | SOLE |  | 0 | 0 | 58153 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 3068324 | 4606 | SH |  | SOLE |  | 0 | 0 | 4606 |
| SPDR SERIES TRUST | PRTFLO S HI | 78468R788 | BBG00B6WD879 | 478940 | 10885 | SH |  | SOLE |  | 0 | 0 | 10885 |
| STRYKER CORPORATION | COM | 863667101 | BBG001S8FR03 | 263205 | 712 | SH |  | SOLE |  | 0 | 0 | 712 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 | BBG001S5WWW4 | 227901 | 816 | SH |  | SOLE |  | 0 | 0 | 816 |
| TELEDYNE TECHNOLOGIES INC | COM | 879360105 | BBG001SDK336 | 212733 | 363 | SH |  | SOLE |  | 0 | 0 | 363 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 719557 | 1618 | SH |  | SOLE |  | 0 | 0 | 1618 |
| TEXAS INSTRS INC | COM | 882508104 | BBG001S5WYZ7 | 302787 | 1648 | SH |  | SOLE |  | 0 | 0 | 1648 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 | BBG001S5WS08 | 491325 | 1013 | SH |  | SOLE |  | 0 | 0 | 1013 |
| UNION PAC CORP | COM | 907818108 | BBG001S5X2M0 | 251734 | 1065 | SH |  | SOLE |  | 0 | 0 | 1065 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 804786 | 1678 | SH |  | SOLE |  | 0 | 0 | 1678 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 8153479 | 27757 | SH |  | SOLE |  | 0 | 0 | 27757 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 | BBG001SMD2X3 | 4598637 | 50302 | SH |  | SOLE |  | 0 | 0 | 50302 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 83252995 | 135950 | SH |  | SOLE |  | 0 | 0 | 135950 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 3080602 | 12115 | SH |  | SOLE |  | 0 | 0 | 12115 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 17358521 | 52895 | SH |  | SOLE |  | 0 | 0 | 52895 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | BBG001SP7T00 | 258788 | 3626 | SH |  | SOLE |  | 0 | 0 | 3626 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 | BBG001SHTV18 | 400516 | 5019 | SH |  | SOLE |  | 0 | 0 | 5019 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 | BBG001T2YZG9 | 357453 | 2594 | SH |  | SOLE |  | 0 | 0 | 2594 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | BBG001TJR1D8 | 9750713 | 132735 | SH |  | SOLE |  | 0 | 0 | 132735 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 80118141 | 1337085 | SH |  | SOLE |  | 0 | 0 | 1337085 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 210720 | 1495 | SH |  | SOLE |  | 0 | 0 | 1495 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 | BBG00C868SD7 | 218220 | 2577 | SH |  | SOLE |  | 0 | 0 | 2577 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 | BBG001SHVR41 | 327547 | 1533 | SH |  | SOLE |  | 0 | 0 | 1533 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 | BBG00M0P2VR5 | 394923 | 5693 | SH |  | SOLE |  | 0 | 0 | 5693 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 | BBG001SHTTR5 | 39852272 | 53376 | SH |  | SOLE |  | 0 | 0 | 53376 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 | BBG001SHVTP4 | 315178 | 1664 | SH |  | SOLE |  | 0 | 0 | 1664 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 244054 | 5553 | SH |  | SOLE |  | 0 | 0 | 5553 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 694708 | 2035 | SH |  | SOLE |  | 0 | 0 | 2035 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 716370 | 6951 | SH |  | SOLE |  | 0 | 0 | 6951 |
| WISDOMTREE TR | EM EX ST-OWNED | 97717X578 | BBG007PB9N20 | 22513600 | 593400 | SH |  | SOLE |  | 0 | 0 | 593400 |
| WISDOMTREE TR | EMER MKT HIGH FD | 97717W315 | BBG001SV1SY8 | 241254 | 5246 | SH |  | SOLE |  | 0 | 0 | 5246 |
| WISDOMTREE TR | INTL SMCAP DIV | 97717W760 | BBG001SHLB38 | 4546999 | 57188 | SH |  | SOLE |  | 0 | 0 | 57188 |
| XCEL ENERGY INC | COM | 98389B100 | BBG001S7F0X8 | 285662 | 3542 | SH |  | SOLE |  | 0 | 0 | 3542 |

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