# EDGAR Filing Document

**Accession Number:** 0001794935
**File Stem:** 0001794935-23-000003
**Filing Date:** 2023-1
**Character Count:** 17180
**Document Hash:** a47f44f1e9eacc1e3c44c166b5fef314
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001794935-23-000003.hdr.sgml**: 20230112

**ACCESSION NUMBER**: 0001794935-23-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230112

**DATE AS OF CHANGE**: 20230112

**EFFECTIVENESS DATE**: 20230112

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Heartwood Wealth Advisors LLC
- **CENTRAL INDEX KEY:** 0001794935
- **IRS NUMBER:** 461418604
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19722
- **FILM NUMBER:** 23525436

**BUSINESS ADDRESS:**
- **STREET 1:** 9020 STONY POINT PKWY STE 225
- **CITY:** RICHMOND
- **STATE:** VA
- **ZIP:** 23235
- **BUSINESS PHONE:** 8042698711

**MAIL ADDRESS:**
- **STREET 1:** 9020 STONY POINT PKWY STE 225
- **CITY:** RICHMOND
- **STATE:** VA
- **ZIP:** 23235

### 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:** Heartwood Wealth Advisors LLC<br>**Address:** 9020 STONY POINT PKWY STE 225<br>RICHMOND, VA 23235

**Form 13F File Number:** 028-19722

**CRD Number (if applicable):** 000300273

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:** Anita K Bost<br>**Title:** Chief Compliance Officer<br>**Phone:** 804-269-8710

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

Anita K Bost  Richmond, VA  01-12-2023<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:** 125

**Form 13F Information Table Value Total:** $638582844

      (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 |
| AMAZON COM INC COM | Stock | 023135106 |  | 353724 | 4211 | SH |  | SOLE | 0 | 130 | 0 | 4081 |
| TECHNOLOGY SELECT SECTOR SPDR FUND | ETF | 81369Y803 |  | 2737556 | 21999 | SH |  | SOLE | 0 | 107 | 0 | 21892 |
| SPDR PORTFOLIO AGGREGATE BOND ETF | ETF | 78464A649 |  | 19383221 | 771318 | SH |  | SOLE | 0 | 26647 | 0 | 744671 |
| DOLLAR GEN CORP NEW COM | Stock | 256677105 |  | 246250 | 1000 | SH |  | SOLE | 0 | 1000 | 0 | 0 |
| SPDR PORTFOLIO S 500 HIGH DIVIDEND ETF | ETF | 78468R788 |  | 24405384 | 616609 | SH |  | SOLE | 0 | 32009 | 0 | 584600 |
| JOHNSON  JOHNSON COM | Stock | 478160104 |  | 538783 | 3050 | SH |  | SOLE | 0 | 1012 | 0 | 2038 |
| VANGUARD ENERGY ETF | ETF | 92204A306 |  | 647393 | 5338 | SH |  | SOLE | 0 | 3227 | 0 | 2111 |
| COSTCO WHSL CORP NEW COM | Stock | 22160K105 |  | 287595 | 630 | SH |  | SOLE | 0 | 238 | 0 | 392 |
| PROCTER AND GAMBLE CO COM | Stock | 742718109 |  | 203545 | 1343 | SH |  | SOLE | 0 | 762 | 0 | 581 |
| COCA COLA CO COM | Stock | 191216100 |  | 1498016 | 23550 | SH |  | SOLE | 0 | 3612 | 0 | 19938 |
| FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND | ETF | 336917109 |  | 314197 | 8594 | SH |  | SOLE | 0 | 0 | 0 | 8594 |
| ISHARES U.S. ENERGY ETF | ETF | 464287796 |  | 925662 | 19911 | SH |  | SOLE | 0 | 0 | 0 | 19911 |
| UNITED PARCEL SERVICE INC CL B | Stock | 911312106 |  | 200438 | 1153 | SH |  | SOLE | 0 | 100 | 0 | 1053 |
| INTEL CORP COM | Stock | 458140100 |  | 704492 | 26655 | SH |  | SOLE | 0 | 5552 | 0 | 21103 |
| CLOROX CO DEL COM | Stock | 189054109 |  | 216389 | 1542 | SH |  | SOLE | 0 | 1350 | 0 | 192 |
| MERCK  CO INC COM | Stock | 58933Y105 |  | 1189495 | 10721 | SH |  | SOLE | 0 | 981 | 0 | 9740 |
| ISHARES SHORT-TERM NATIONAL MUNI BOND ETF | ETF | 464288158 |  | 9129464 | 87556 | SH |  | SOLE | 0 | 5073 | 0 | 82483 |
| SPDR S 500 ETF TRUST | ETF | 78462F103 |  | 687737 | 1798 | SH |  | SOLE | 0 | 825 | 0 | 973 |
| DIAGEO PLC SPON ADR NEW | ADR | 25243Q205 |  | 290984 | 1633 | SH |  | SOLE | 0 | 500 | 0 | 1133 |
| VANGUARD EXTENDED DURATION TREASURY ETF | ETF | 921910709 |  | 5012954 | 60521 | SH |  | SOLE | 0 | 2497 | 0 | 58024 |
| VERIZON COMMUNICATIONS INC COM | Stock | 92343V104 |  | 776574 | 19710 | SH |  | SOLE | 0 | 3665 | 0 | 16045 |
| VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF | ETF | 922042718 |  | 363947 | 3540 | SH |  | SOLE | 0 | 97 | 0 | 3443 |
| PEPSICO INC COM | Stock | 713448108 |  | 600333 | 3323 | SH |  | SOLE | 0 | 1296 | 0 | 2027 |
| KIMBERLY-CLARK CORP COM | Stock | 494368103 |  | 203897 | 1502 | SH |  | SOLE | 0 | 1500 | 0 | 2 |
| HOME DEPOT INC COM | Stock | 437076102 |  | 495900 | 1570 | SH |  | SOLE | 0 | 1298 | 0 | 272 |
| HEALTH CARE SELECT SECTOR SPDR FUND | ETF | 81369Y209 |  | 956248 | 7039 | SH |  | SOLE | 0 | 101 | 0 | 6938 |
| SPDR GOLD SHARES | ETF | 78463V107 |  | 234782 | 1384 | SH |  | SOLE | 0 | 0 | 0 | 1384 |
| SCHWAB U.S. SMALL-CAP ETF | ETF | 808524607 |  | 228638 | 5644 | SH |  | SOLE | 0 | 0 | 0 | 5644 |
| SCHWAB INTERNATIONAL EQUITY ETF | ETF | 808524805 |  | 485984 | 15088 | SH |  | SOLE | 0 | 1760 | 0 | 13328 |
| SCHWAB U.S. LARGE-CAP ETF | ETF | 808524201 |  | 350770 | 7769 | SH |  | SOLE | 0 | 0 | 0 | 7769 |
| INVESCO BULLETSHARES 2027 CORPORATE BOND ETF | ETF | 46138J783 |  | 3219159 | 169474 | SH |  | SOLE | 0 | 5960 | 0 | 163514 |
| SPDR PORTFOLIO S 400 MID CAP ETF | ETF | 78464A847 |  | 258018 | 6071 | SH |  | SOLE | 0 | 0 | 0 | 6071 |
| ISHARES CORE S SMALL CAP ETF | ETF | 464287804 |  | 356887 | 3771 | SH |  | SOLE | 0 | 0 | 0 | 3771 |
| BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 |  | 476324 | 1542 | SH |  | SOLE | 0 | 320 | 0 | 1222 |
| SCHWAB EMERGING MARKETS EQUITY ETF | ETF | 808524706 |  | 39421012 | 1665442 | SH |  | SOLE | 0 | 88539 | 0 | 1576903 |
| ALPHABET INC CAP STK CL A | Stock | 02079K305 |  | 340568 | 3860 | SH |  | SOLE | 0 | 40 | 0 | 3820 |
| MICROSOFT CORP COM | Stock | 594918104 |  | 978466 | 4080 | SH |  | SOLE | 0 | 497 | 0 | 3583 |
| INVESCO CEF INCOME COMPOSITE ETF | ETF | 46138E404 |  | 561720 | 31000 | SH |  | SOLE | 0 | 31000 | 0 | 0 |
| ISHARES MSCI BRAZIL ETF | ETF | 464286400 |  | 363023 | 12979 | SH |  | SOLE | 0 | 0 | 0 | 12979 |
| VANGUARD SMALL-CAP ETF | ETF | 922908751 |  | 60262789 | 328336 | SH |  | SOLE | 0 | 19091 | 0 | 309245 |
| VANGUARD MID-CAP ETF | ETF | 922908629 |  | 26202833 | 128565 | SH |  | SOLE | 0 | 9537 | 0 | 119028 |
| VANGUARD LARGE-CAP ETF | ETF | 922908637 |  | 66631500 | 382500 | SH |  | SOLE | 0 | 20533 | 0 | 361967 |
| NEXTERA ENERGY INC COM | Stock | 65339F101 |  | 626498 | 7494 | SH |  | SOLE | 0 | 26 | 0 | 7468 |
| SPDR S KENSHO NEW ECONOMIES COMPOSITE ETF | ETF | 78468R648 |  | 10843220 | 275069 | SH |  | SOLE | 0 | 11580 | 0 | 263489 |
| ISHARES MSCI EMERGING MARKETS EX CHINA ETF | ETF | 46434G764 |  | 365092 | 7691 | SH |  | SOLE | 0 | 0 | 0 | 7691 |
| NORFOLK SOUTHN CORP COM | Stock | 655844108 |  | 484708 | 1967 | SH |  | SOLE | 0 | 35 | 0 | 1932 |
| ALERIAN MLP ETF | ETF | 00162Q452 |  | 2548063 | 66931 | SH |  | SOLE | 0 | 8284 | 0 | 58647 |
| SCHWAB SHORT-TERM US TREASURY ETF | ETF | 808524862 |  | 19479601 | 403806 | SH |  | SOLE | 0 | 14095 | 0 | 389711 |
| WALGREENS BOOTS ALLIANCE INC COM | Stock | 931427108 |  | 580799 | 15546 | SH |  | SOLE | 0 | 2483 | 0 | 13063 |
| DOW INC COM | Stock | 260557103 |  | 667063 | 13238 | SH |  | SOLE | 0 | 2321 | 0 | 10917 |
| ISHARES MSCI BRAZIL SMALL-CAP ETF | ETF | 464289131 |  | 365506 | 31307 | SH |  | SOLE | 0 | 0 | 0 | 31307 |
| VANGUARD S 500 ETF | ETF | 922908363 |  | 720247 | 2050 | SH |  | SOLE | 0 | 500 | 0 | 1550 |
| ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF | ETF | 46435U325 |  | 4348964 | 173300 | SH |  | SOLE | 0 | 10873 | 0 | 162427 |
| SPDR S MIDCAP 400 ETF TRUST | ETF | 78467Y107 |  | 279843 | 632 | SH |  | SOLE | 0 | 0 | 0 | 632 |
| ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF | ETF | 46435U283 |  | 13207028 | 526701 | SH |  | SOLE | 0 | 34506 | 0 | 492195 |
| ISHARES 0-5 YEAR TIPS BOND ETF | ETF | 46429B747 |  | 12989925 | 133972 | SH |  | SOLE | 0 | 4683 | 0 | 129289 |
| SPDR S EMERGING MARKETS DIVIDEND ETF | ETF | 78463X533 |  | 4189392 | 174558 | SH |  | SOLE | 0 | 31135 | 0 | 143423 |
| VANGUARD MORTGAGE-BACKED SECURITIES ETF | ETF | 92206C771 |  | 16044252 | 352466 | SH |  | SOLE | 0 | 12208 | 0 | 340258 |
| ISHARES RUSSELL 2000 ETF | ETF | 464287655 |  | 416023 | 2386 | SH |  | SOLE | 0 | 20 | 0 | 2366 |
| ISHARES SELECT DIVIDEND ETF | ETF | 464287168 |  | 630617 | 5229 | SH |  | SOLE | 0 | 2449 | 0 | 2780 |
| VANGUARD SMALL CAP VALUE ETF | ETF | 922908611 |  | 2350875 | 14804 | SH |  | SOLE | 0 | 0 | 0 | 14804 |
| VANGUARD MID-CAP GROWTH ETF | ETF | 922908538 |  | 720478 | 4008 | SH |  | SOLE | 0 | 0 | 0 | 4008 |
| VISA INC COM CL A | Stock | 92826C839 |  | 647172 | 3115 | SH |  | SOLE | 0 | 1483 | 0 | 1632 |
| VANGUARD SMALL-CAP GROWTH ETF | ETF | 922908595 |  | 513382 | 2560 | SH |  | SOLE | 0 | 0 | 0 | 2560 |
| VANGUARD VALUE ETF | ETF | 922908744 |  | 19710054 | 140415 | SH |  | SOLE | 0 | 644 | 0 | 139771 |
| VANGUARD GROWTH ETF | ETF | 922908736 |  | 13723005 | 64394 | SH |  | SOLE | 0 | 291 | 0 | 64103 |
| GLOBAL X MLP ETF | ETF | 37954Y343 |  | 213345 | 5167 | SH |  | SOLE | 0 | 5167 | 0 | 0 |
| ALPS SECTOR DIVIDEND DOGS ETF | ETF | 00162Q858 |  | 1042534 | 20267 | SH |  | SOLE | 0 | 3320 | 0 | 16947 |
| MONDELEZ INTL INC CL A | Stock | 609207105 |  | 212014 | 3181 | SH |  | SOLE | 0 | 1000 | 0 | 2181 |
| CUMMINS INC COM | Stock | 231021106 |  | 266761 | 1101 | SH |  | SOLE | 0 | 1000 | 0 | 101 |
| SPDR S METALS  MINING ETF | ETF | 78464A755 |  | 1223234 | 24558 | SH |  | SOLE | 0 | 0 | 0 | 24558 |
| ISHARES CORE MSCI EMERGING MARKETS ETF | ETF | 46434G103 |  | 358236 | 7671 | SH |  | SOLE | 0 | 0 | 0 | 7671 |
| ETFMG PRIME JUNIOR SILVER MINERS ETFMG PRIME JUNIOR SILVER MINERS FUND | ETF | 26924G102 |  | 392397 | 37194 | SH |  | SOLE | 0 | 5882 | 0 | 31312 |
| RESMED INC COM | Stock | 761152107 |  | 208130 | 1000 | SH |  | SOLE | 0 | 1000 | 0 | 0 |
| MCDONALDS CORP COM | Stock | 580135101 |  | 866223 | 3287 | SH |  | SOLE | 0 | 1607 | 0 | 1680 |
| GLOBAL X URANIUM ETF | ETF | 37954Y871 |  | 11100124 | 552795 | SH |  | SOLE | 0 | 23298 | 0 | 529497 |
| ISHARES MSCI FRONTIER AND SELECT EM ETF | ETF | 464286145 |  | 653433 | 25655 | SH |  | SOLE | 0 | 0 | 0 | 25655 |
| VANECK JUNIOR GOLD MINERS ETF | ETF | 92189F791 |  | 21627037 | 606649 | SH |  | SOLE | 0 | 31930 | 0 | 574719 |
| CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND | ETF | 81369Y407 |  | 826107 | 6396 | SH |  | SOLE | 0 | 102 | 0 | 6294 |
| INVESCO S ULTRA DIVIDEND REVENUE ETF | ETF | 46138G656 |  | 3343736 | 76744 | SH |  | SOLE | 0 | 7858 | 0 | 68886 |
| FIDELITY MSCI ENERGY INDEX ETF | ETF | 316092402 |  | 243836 | 10228 | SH |  | SOLE | 0 | 0 | 0 | 10228 |
| SPDR PORTFOLIO S 600 SMALL CAP ETF | ETF | 78468R853 |  | 675109 | 18261 | SH |  | SOLE | 0 | 0 | 0 | 18261 |
| UNION PAC CORP COM | Stock | 907818108 |  | 1098092 | 5303 | SH |  | SOLE | 0 | 1000 | 0 | 4303 |
| VANGUARD MID-CAP VALUE ETF | ETF | 922908512 |  | 732595 | 5417 | SH |  | SOLE | 0 | 0 | 0 | 5417 |
| JPMORGAN CHASE  CO COM | Stock | 46625H100 |  | 699600 | 5217 | SH |  | SOLE | 0 | 824 | 0 | 4393 |
| SPDR PORTFOLIO EMERGING MARKETS ETF | ETF | 78463X509 |  | 310615 | 9424 | SH |  | SOLE | 0 | 0 | 0 | 9424 |
| CHEVRON CORP NEW COM | Stock | 166764100 |  | 742730 | 4138 | SH |  | SOLE | 0 | 874 | 0 | 3264 |
| ISHARES NATIONAL MUNI BOND ETF | ETF | 464288414 |  | 9071765 | 85972 | SH |  | SOLE | 0 | 5827 | 0 | 80145 |
| VANGUARD FTSE DEVELOPED MARKETS ETF | ETF | 921943858 |  | 52489864 | 1250652 | SH |  | SOLE | 0 | 67742 | 0 | 1182910 |
| M  T BK CORP COM | Stock | 55261F104 |  | 201633 | 1390 | SH |  | SOLE | 0 | 0 | 0 | 1390 |
| BANK AMERICA CORP COM | Stock | 060505104 |  | 226210 | 6830 | SH |  | SOLE | 0 | 0 | 0 | 6830 |
| SPDR S DIVIDEND ETF | ETF | 78464A763 |  | 415741 | 3323 | SH |  | SOLE | 0 | 875 | 0 | 2448 |
| ISHARES INTERNATIONAL SELECT DIVIDEND ETF | ETF | 464288448 |  | 5079518 | 187022 | SH |  | SOLE | 0 | 21976 | 0 | 165046 |
| INTERNATIONAL BUSINESS MACHS COM | Stock | 459200101 |  | 689657 | 4895 | SH |  | SOLE | 0 | 734 | 0 | 4161 |
| ORACLE CORP COM | Stock | 68389X105 |  | 359084 | 4393 | SH |  | SOLE | 0 | 185 | 0 | 4208 |
| VANGUARD FTSE EMERGING MARKETS ETF | ETF | 922042858 |  | 2827687 | 72542 | SH |  | SOLE | 0 | 0 | 0 | 72542 |
| VANGUARD HIGH DIVIDEND YIELD INDEX ETF | ETF | 921946406 |  | 23264717 | 214996 | SH |  | SOLE | 0 | 24008 | 0 | 190988 |
| PFIZER INC COM | Stock | 717081103 |  | 391525 | 7641 | SH |  | SOLE | 0 | 1970 | 0 | 5671 |
| ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF | ETF | 464287242 |  | 6438821 | 61072 | SH |  | SOLE | 0 | 2133 | 0 | 58939 |
| 3M CO COM | Stock | 88579Y101 |  | 681026 | 5679 | SH |  | SOLE | 0 | 1301 | 0 | 4378 |
| CATERPILLAR INC COM | Stock | 149123101 |  | 360298 | 1504 | SH |  | SOLE | 0 | 1500 | 0 | 4 |
| ALPHABET INC CAP STK CL C | Stock | 02079K107 |  | 458024 | 5162 | SH |  | SOLE | 0 | 2180 | 0 | 2982 |
| SPDR SSGA ULTRA SHORT TERM BOND ETF | ETF | 78467V707 |  | 3255579 | 81420 | SH |  | SOLE | 0 | 2852 | 0 | 78568 |
| AMGEN INC COM | Stock | 031162100 |  | 782930 | 2981 | SH |  | SOLE | 0 | 890 | 0 | 2091 |
| VANECK SHORT HIGH YIELD MUNI ETF | ETF | 92189F387 |  | 1385506 | 62214 | SH |  | SOLE | 0 | 74 | 0 | 62140 |
| ALERIAN ENERGY INFRASTRUCTURE ETF | ETF | 00162Q676 |  | 389429 | 18404 | SH |  | SOLE | 0 | 1511 | 0 | 16893 |
| ISHARES CORE U.S. AGGREGATE BOND ETF | ETF | 464287226 |  | 704244 | 7261 | SH |  | SOLE | 0 | 261 | 0 | 7000 |
| SPDR PORTFOLIO S 500 ETF | ETF | 78464A854 |  | 933605 | 20756 | SH |  | SOLE | 0 | 0 | 0 | 20756 |
| ISHARES S SMALL-CAP 600 VALUE ETF | ETF | 464287879 |  | 17415191 | 190726 | SH |  | SOLE | 0 | 10881 | 0 | 179845 |
| ISHARES S MID-CAP 400 GROWTH ETF | ETF | 464287606 |  | 690240 | 10106 | SH |  | SOLE | 0 | 0 | 0 | 10106 |
| ISHARES S MID-CAP 400 VALUE ETF | ETF | 464287705 |  | 321955 | 3194 | SH |  | SOLE | 0 | 0 | 0 | 3194 |
| INVESCO BULLETSHARES 2024 CORPORATE BOND ETF | ETF | 46138J841 |  | 3275567 | 159900 | SH |  | SOLE | 0 | 6652 | 0 | 153248 |
| VANGUARD SHORT-TERM BOND ETF | ETF | 921937827 |  | 19433457 | 258149 | SH |  | SOLE | 0 | 9067 | 0 | 249082 |
| VANGUARD MEGA CAP ETF | ETF | 921910873 |  | 1171872 | 8851 | SH |  | SOLE | 0 | 0 | 0 | 8851 |
| BRISTOL-MYERS SQUIBB CO COM | Stock | 110122108 |  | 237651 | 3303 | SH |  | SOLE | 0 | 1000 | 0 | 2303 |
| SPDR S INTERNATIONAL DIVIDEND ETF | ETF | 78463X772 |  | 783340 | 24237 | SH |  | SOLE | 0 | 15391 | 0 | 8846 |
| EXXON MOBIL CORP COM | Stock | 30231G102 |  | 1138737 | 10324 | SH |  | SOLE | 0 | 1000 | 0 | 9324 |
| UNITEDHEALTH GROUP INC COM | Stock | 91324P102 |  | 317048 | 598 | SH |  | SOLE | 0 | 37 | 0 | 561 |
| LOWES COS INC COM | Stock | 548661107 |  | 640955 | 3217 | SH |  | SOLE | 0 | 0 | 0 | 3217 |
| COLGATE PALMOLIVE CO COM | Stock | 194162103 |  | 364483 | 4626 | SH |  | SOLE | 0 | 2000 | 0 | 2626 |
| SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF | ETF | 78463X889 |  | 4951015 | 166757 | SH |  | SOLE | 0 | 22304 | 0 | 144453 |
| ISHARES CORE S MID-CAP ETF | ETF | 464287507 |  | 202946 | 839 | SH |  | SOLE | 0 | 0 | 0 | 839 |
| VANGUARD TAX-EXEMPT BOND ETF | ETF | 922907746 |  | 13724022 | 277309 | SH |  | SOLE | 0 | 28022 | 0 | 249287 |
| ISHARES MSCI EAFE ETF | ETF | 464287465 |  | 15895908 | 242168 | SH |  | SOLE | 0 | 1094 | 0 | 241074 |
| APPLE INC COM | Stock | 037833100 |  | 1581248 | 12170 | SH |  | SOLE | 0 | 3500 | 0 | 8670 |

---