# EDGAR Filing Document

**Accession Number:** 0001716399
**File Stem:** 0001172661-23-000341
**Filing Date:** 2023-1
**Character Count:** 17558
**Document Hash:** 76fef8f4e4a259040d75e797a1a2f493
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-23-000341.hdr.sgml**: 20230130

**ACCESSION NUMBER**: 0001172661-23-000341

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230130

**DATE AS OF CHANGE**: 20230130

**EFFECTIVENESS DATE**: 20230130

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CAHABA WEALTH MANAGEMENT, INC.
- **CENTRAL INDEX KEY:** 0001716399
- **IRS NUMBER:** 270755780
- **STATE OF INCORPORATION:** GA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18150
- **FILM NUMBER:** 23565617

**BUSINESS ADDRESS:**
- **STREET 1:** 1075 PEACHTREE STREET NE
- **STREET 2:** SUITE 2150
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30309
- **BUSINESS PHONE:** 404-549-7678

**MAIL ADDRESS:**
- **STREET 1:** 1075 PEACHTREE STREET NE
- **STREET 2:** SUITE 2150
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30309

### 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:** CAHABA WEALTH MANAGEMENT INC.<br>**Address:** 1075 Peachtree Street Ne<br>Suite 2150<br>Atlanta, GA 30309

**Form 13F File Number:** 028-18150

**CRD Number (if applicable):** 000151675

**SEC File Number (if applicable):** 801-70837

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:** William Douglas Jackson<br>**Title:** Chief Compliance Officer<br>**Phone:** 615-457-8342

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

/s/ William Douglas Jackson  Atlanta, GA  01-30-2023<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:** 143

**Form 13F Information Table Value Total:** $805973717

      (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 |  | 568012 | 5174 | SH |  | SOLE |  | 5173 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 402060 | 2488 | SH |  | SOLE |  | 2487 | 0 | 0 |
| AFLAC INC | COM | 001055102 |  | 796675 | 11074 | SH |  | SOLE |  | 11074 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 340127 | 3855 | SH |  | SOLE |  | 3855 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 583488 | 6576 | SH |  | SOLE |  | 6576 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 878976 | 10464 | SH |  | SOLE |  | 10464 | 0 | 0 |
| AMERICAN WTR WKS CO INC NEW | COM | 030420103 |  | 3779064 | 24794 | SH |  | SOLE |  | 24793 | 0 | 0 |
| AMERIS BANCORP | COM | 03076K108 |  | 926466 | 19653 | SH |  | SOLE |  | 19653 | 0 | 0 |
| AMGEN INC | COM | 031162100 |  | 507289 | 1931 | SH |  | SOLE |  | 1931 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 3758751 | 28929 | SH |  | SOLE |  | 28929 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 322053 | 17493 | SH |  | SOLE |  | 17493 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 380071 | 11476 | SH |  | SOLE |  | 11475 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 2221300 | 7191 | SH |  | SOLE |  | 7191 | 0 | 0 |
| BLACKROCK INC | COM | 09247X101 |  | 279534 | 394 | SH |  | SOLE |  | 394 | 0 | 0 |
| BOX INC | CL A | 10316T104 |  | 262706 | 8439 | SH |  | SOLE |  | 8439 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 372910 | 5183 | SH |  | SOLE |  | 5182 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 566543 | 1013 | SH |  | SOLE |  | 1013 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 506810 | 2116 | SH |  | SOLE |  | 2115 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 238363 | 1328 | SH |  | SOLE |  | 1328 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 1196801 | 18815 | SH |  | SOLE |  | 18814 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 512972 | 1124 | SH |  | SOLE |  | 1123 | 0 | 0 |
| DEERE  CO | COM | 244199105 |  | 385957 | 900 | SH |  | SOLE |  | 900 | 0 | 0 |
| DELTA AIR LINES INC DEL | COM NEW | 247361702 |  | 219275 | 6673 | SH |  | SOLE |  | 6673 | 0 | 0 |
| EATON CORP PLC | SHS | G29183103 |  | 226184 | 1441 | SH |  | SOLE |  | 1441 | 0 | 0 |
| EMERSON ELEC CO | COM | 291011104 |  | 266086 | 2770 | SH |  | SOLE |  | 2770 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 805163 | 7300 | SH |  | SOLE |  | 7299 | 0 | 0 |
| FS KKR CAP CORP | COM | 302635206 |  | 228867 | 13078 | SH |  | SOLE |  | 13078 | 0 | 0 |
| GALLAGHER ARTHUR J  CO | COM | 363576109 |  | 339561 | 1801 | SH |  | SOLE |  | 1801 | 0 | 0 |
| GENESCO INC | COM | 371532102 |  | 414180 | 9000 | SH |  | SOLE |  | 9000 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 213239 | 621 | SH |  | SOLE |  | 621 | 0 | 0 |
| HCA HEALTHCARE INC | COM | 40412C101 |  | 1457661 | 6075 | SH |  | SOLE |  | 6074 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 1379492 | 4367 | SH |  | SOLE |  | 4367 | 0 | 0 |
| HONEYWELL INTL INC | COM | 438516106 |  | 273624 | 1277 | SH |  | SOLE |  | 1276 | 0 | 0 |
| INTERFACE INC | COM | 458665304 |  | 256263 | 25964 | SH |  | SOLE |  | 25963 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | FTSE RAFI 1000 | 46137V613 |  | 269806 | 1739 | SH |  | SOLE |  | 1739 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 400205 | 1503 | SH |  | SOLE |  | 1502 | 0 | 0 |
| IQVIA HLDGS INC | COM | 46266C105 |  | 269840 | 1317 | SH |  | SOLE |  | 1317 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 218546 | 4680 | SH |  | SOLE |  | 4679 | 0 | 0 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 19009201 | 399773 | SH |  | SOLE |  | 399772 | 0 | 0 |
| ISHARES TR | GRWT ALLOCAT ETF | 464289867 |  | 867040 | 18385 | SH |  | SOLE |  | 18385 | 0 | 0 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 352961 | 7757 | SH |  | SOLE |  | 7757 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 27421953 | 262990 | SH |  | SOLE |  | 262989 | 0 | 0 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 2290975 | 28224 | SH |  | SOLE |  | 28224 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 30415553 | 321382 | SH |  | SOLE |  | 321381 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 2288540 | 10682 | SH |  | SOLE |  | 10682 | 0 | 0 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 364402 | 2628 | SH |  | SOLE |  | 2627 | 0 | 0 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 938110 | 7779 | SH |  | SOLE |  | 7778 | 0 | 0 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 519371 | 4930 | SH |  | SOLE |  | 4930 | 0 | 0 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 733467 | 6085 | SH |  | SOLE |  | 6085 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 373405 | 2142 | SH |  | SOLE |  | 2141 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 542932 | 6494 | SH |  | SOLE |  | 6494 | 0 | 0 |
| ISHARES TR | RUS TOP 200 ETF | 464289446 |  | 842203 | 9361 | SH |  | SOLE |  | 9360 | 0 | 0 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 748924 | 32963 | SH |  | SOLE |  | 32963 | 0 | 0 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 266410 | 2424 | SH |  | SOLE |  | 2423 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 6305278 | 102292 | SH |  | SOLE |  | 102291 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 1044407 | 12316 | SH |  | SOLE |  | 12316 | 0 | 0 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 81756208 | 1412512 | SH |  | SOLE |  | 1412512 | 0 | 0 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 270522 | 1261 | SH |  | SOLE |  | 1261 | 0 | 0 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 1826336 | 12589 | SH |  | SOLE |  | 12589 | 0 | 0 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 281364 | 2469 | SH |  | SOLE |  | 2468 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 5890184 | 100687 | SH |  | SOLE |  | 100686 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 202625584 | 527382 | SH |  | SOLE |  | 527382 | 0 | 0 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 25533152 | 549809 | SH |  | SOLE |  | 549809 | 0 | 0 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 4615277 | 68425 | SH |  | SOLE |  | 68425 | 0 | 0 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 220209 | 2956 | SH |  | SOLE |  | 2956 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 118568516 | 1222482 | SH |  | SOLE |  | 1222481 | 0 | 0 |
| ISHARES TR | BLACKROCK ULTRA | 46434V878 |  | 2784977 | 55655 | SH |  | SOLE |  | 55655 | 0 | 0 |
| ISHARES TR | USD INV GRDE ETF | 464288620 |  | 462256 | 9413 | SH |  | SOLE |  | 9412 | 0 | 0 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 688613 | 15326 | SH |  | SOLE |  | 15326 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 18613838 | 176401 | SH |  | SOLE |  | 176401 | 0 | 0 |
| ISHARES TR | MBS ETF | 464288588 |  | 522086 | 5629 | SH |  | SOLE |  | 5628 | 0 | 0 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 510996 | 7482 | SH |  | SOLE |  | 7481 | 0 | 0 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 1316322 | 5965 | SH |  | SOLE |  | 5964 | 0 | 0 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 5556376 | 65462 | SH |  | SOLE |  | 65461 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 70646995 | 292062 | SH |  | SOLE |  | 292062 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 2184650 | 14406 | SH |  | SOLE |  | 14405 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1092491 | 16644 | SH |  | SOLE |  | 16643 | 0 | 0 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 663306 | 3151 | SH |  | SOLE |  | 3150 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT INC | 46641Q837 |  | 8041667 | 160416 | SH |  | SOLE |  | 160416 | 0 | 0 |
| JACOBS SOLUTIONS INC | COM | 46982L108 |  | 331153 | 2758 | SH |  | SOLE |  | 2758 | 0 | 0 |
| JOHN HANCOCK EXCHANGE TRADED | MULTIFACTR SML | 47804J842 |  | 254387 | 8316 | SH |  | SOLE |  | 8316 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 496746 | 2812 | SH |  | SOLE |  | 2812 | 0 | 0 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 492111 | 3670 | SH |  | SOLE |  | 3669 | 0 | 0 |
| LILLY ELI  CO | COM | 532457108 |  | 673739 | 1842 | SH |  | SOLE |  | 1841 | 0 | 0 |
| LINDE PLC | SHS | G5494J103 |  | 310995 | 953 | SH |  | SOLE |  | 953 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 228886 | 470 | SH |  | SOLE |  | 470 | 0 | 0 |
| LOWES COS INC | COM | 548661107 |  | 202494 | 1016 | SH |  | SOLE |  | 1016 | 0 | 0 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 384628 | 2324 | SH |  | SOLE |  | 2324 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 451339 | 1298 | SH |  | SOLE |  | 1297 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 952276 | 3614 | SH |  | SOLE |  | 3613 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 384045 | 3461 | SH |  | SOLE |  | 3461 | 0 | 0 |
| MICROCHIP TECHNOLOGY INC. | COM | 595017104 |  | 404697 | 5761 | SH |  | SOLE |  | 5760 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 2600956 | 10845 | SH |  | SOLE |  | 10845 | 0 | 0 |
| NIKE INC | CL B | 654106103 |  | 212199 | 1814 | SH |  | SOLE |  | 1813 | 0 | 0 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 280672 | 1139 | SH |  | SOLE |  | 1139 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 782588 | 5355 | SH |  | SOLE |  | 5355 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 229791 | 2811 | SH |  | SOLE |  | 2811 | 0 | 0 |
| PAYCHEX INC | COM | 704326107 |  | 297600 | 2575 | SH |  | SOLE |  | 2575 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 788527 | 4365 | SH |  | SOLE |  | 4364 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 624718 | 12192 | SH |  | SOLE |  | 12191 | 0 | 0 |
| PINNACLE FINL PARTNERS INC | COM | 72346Q104 |  | 1507388 | 20537 | SH |  | SOLE |  | 20536 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 710643 | 4689 | SH |  | SOLE |  | 4688 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 213357 | 1941 | SH |  | SOLE |  | 1940 | 0 | 0 |
| RAYMOND JAMES FINL INC | COM | 754730109 |  | 4762317 | 44570 | SH |  | SOLE |  | 44570 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 794828 | 7876 | SH |  | SOLE |  | 7875 | 0 | 0 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 471747 | 10334 | SH |  | SOLE |  | 10334 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 252383 | 1858 | SH |  | SOLE |  | 1857 | 0 | 0 |
| SIRIUS XM HOLDINGS INC | COM | 82968B103 |  | 80090 | 13714 | SH |  | SOLE |  | 13714 | 0 | 0 |
| SOUTHERN CO | COM | 842587107 |  | 16738932 | 234406 | SH |  | SOLE |  | 233388 | 0 | 1017 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 239121 | 1410 | SH |  | SOLE |  | 1409 | 0 | 0 |
| SPDR INDEX SHS FDS | DJ GLB RL ES ETF | 78463X749 |  | 654450 | 16001 | SH |  | SOLE |  | 16001 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1753177 | 4584 | SH |  | SOLE |  | 4584 | 0 | 0 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 4794290 | 190780 | SH |  | SOLE |  | 190779 | 0 | 0 |
| SPDR SER TR | PORTFOLIO S | 78464A847 |  | 10613266 | 249724 | SH |  | SOLE |  | 249723 | 0 | 0 |
| SPDR SER TR | PORTFOLIO S | 78468R853 |  | 5706810 | 154363 | SH |  | SOLE |  | 154363 | 0 | 0 |
| SPDR SER TR | PORTFOLIO S | 78464A854 |  | 24778794 | 550885 | SH |  | SOLE |  | 550884 | 0 | 0 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 283554 | 7291 | SH |  | SOLE |  | 7291 | 0 | 0 |
| SYSCO CORP | COM | 871829107 |  | 228050 | 2983 | SH |  | SOLE |  | 2983 | 0 | 0 |
| TARGET CORP | COM | 87612E106 |  | 328276 | 2203 | SH |  | SOLE |  | 2202 | 0 | 0 |
| TASEKO MINES LTD | COM | 876511106 |  | 38446 | 26154 | SH |  | SOLE |  | 26154 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 828262 | 6724 | SH |  | SOLE |  | 6724 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 445508 | 809 | SH |  | SOLE |  | 809 | 0 | 0 |
| UNION PAC CORP | COM | 907818108 |  | 268258 | 1295 | SH |  | SOLE |  | 1295 | 0 | 0 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 386198 | 2222 | SH |  | SOLE |  | 2221 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 1518465 | 2864 | SH |  | SOLE |  | 2864 | 0 | 0 |
| US BANCORP DEL | COM NEW | 902973304 |  | 306929 | 7038 | SH |  | SOLE |  | 7038 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | 500 VAL IDX FD | 921932703 |  | 249614 | 1782 | SH |  | SOLE |  | 1782 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 968342 | 13479 | SH |  | SOLE |  | 13479 | 0 | 0 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 264509 | 5577 | SH |  | SOLE |  | 5576 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 881711 | 4612 | SH |  | SOLE |  | 4611 | 0 | 0 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 827805 | 4752 | SH |  | SOLE |  | 4752 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 527662 | 2589 | SH |  | SOLE |  | 2588 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 382122 | 1088 | SH |  | SOLE |  | 1087 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 8972665 | 181303 | SH |  | SOLE |  | 181302 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 247536 | 1630 | SH |  | SOLE |  | 1630 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 22516162 | 435347 | SH |  | SOLE |  | 435347 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 524757 | 4849 | SH |  | SOLE |  | 4849 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 202719 | 5145 | SH |  | SOLE |  | 5145 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 606137 | 2917 | SH |  | SOLE |  | 2917 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 789157 | 5566 | SH |  | SOLE |  | 5565 | 0 | 0 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 590028 | 3761 | SH |  | SOLE |  | 3761 | 0 | 0 |
| XOS INC | COMMON STOCK | 98423B108 |  | 71360 | 161119 | SH |  | SOLE |  | 161119 | 0 | 0 |
| ZOETIS INC | CL A | 98978V103 |  | 241368 | 1647 | SH |  | SOLE |  | 1647 | 0 | 0 |

---