# EDGAR Filing Document

**Accession Number:** 0001942548
**File Stem:** 0001942548-23-000001
**Filing Date:** 2023-1
**Character Count:** 17587
**Document Hash:** 320723da27ab4d61a815d7d46ee911ee
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001942548-23-000001.hdr.sgml**: 20230119

**ACCESSION NUMBER**: 0001942548-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230119

**DATE AS OF CHANGE**: 20230119

**EFFECTIVENESS DATE**: 20230119

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FSM Wealth Advisors, LLC
- **CENTRAL INDEX KEY:** 0001942548
- **IRS NUMBER:** 832256400
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22611
- **FILM NUMBER:** 23536850

**BUSINESS ADDRESS:**
- **STREET 1:** 22901 MILLCREEK BLVD, SUITE 225
- **CITY:** CLEVELAND
- **STATE:** OH
- **ZIP:** 44122
- **BUSINESS PHONE:** 2164681333

**MAIL ADDRESS:**
- **STREET 1:** 22901 MILLCREEK BLVD, SUITE 225
- **CITY:** CLEVELAND
- **STATE:** OH
- **ZIP:** 44122

### 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:** FSM Wealth Advisors LLC<br>**Address:** 22901 MILLCREEK BLVD SUITE 225<br>CLEVELAND, OH 44122

**Form 13F File Number:** 028-22611

**CRD Number (if applicable):** 000298904

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:** Roseann Higgins<br>**Title:** Chief Compliance Officer<br>**Phone:** 5132783639

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

Roseann Higgins  covington, KY  01-19-2023<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:** 141

**Form 13F Information Table Value Total:** $140604225

      (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 |  | 1310857 | 11940 | SH |  | SOLE | 0 | 0 | 0 | 11940 |
| ABBVIE INC | COM | 00287Y109 |  | 925379 | 5726 | SH |  | SOLE | 0 | 0 | 0 | 5726 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 687647 | 2577 | SH |  | SOLE | 0 | 0 | 0 | 2577 |
| ADOBE SYSTEMS INCORPORATED | COM | 00724F101 |  | 1119299 | 3326 | SH |  | SOLE | 0 | 0 | 0 | 3326 |
| AIR PRODS  CHEMS INC | COM | 009158106 |  | 259247 | 841 | SH |  | SOLE | 0 | 0 | 0 | 841 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 2044995 | 23178 | SH |  | SOLE | 0 | 0 | 0 | 23178 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1442040 | 16252 | SH |  | SOLE | 0 | 0 | 0 | 16252 |
| AMAZON COM INC | COM | 023135106 |  | 841260 | 10015 | SH |  | SOLE | 0 | 0 | 0 | 10015 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 |  | 1071800 | 5059 | SH |  | SOLE | 0 | 0 | 0 | 5059 |
| AMETEK INC | COM | 031100100 |  | 744309 | 5327 | SH |  | SOLE | 0 | 0 | 0 | 5327 |
| APPLE INC | COM | 037833100 |  | 4672309 | 35960 | SH |  | SOLE | 0 | 0 | 0 | 35960 |
| ASTRAZENECA PLC | SPONSORED ADR | 046353108 |  | 220553 | 3253 | SH |  | SOLE | 0 | 0 | 0 | 3253 |
| AUTODESK INC | COM | 052769106 |  | 220693 | 1181 | SH |  | SOLE | 0 | 0 | 0 | 1181 |
| BANK AMERICA CORP | COM | 060505104 |  | 375614 | 11341 | SH |  | SOLE | 0 | 0 | 0 | 11341 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1585275 | 5132 | SH |  | SOLE | 0 | 0 | 0 | 5132 |
| BOSTON SCIENTIFIC CORP | COM | 101137107 |  | 351421 | 7595 | SH |  | SOLE | 0 | 0 | 0 | 7595 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 304503 | 4232 | SH |  | SOLE | 0 | 0 | 0 | 4232 |
| BROADCOM INC | COM | 11135F101 |  | 630898 | 1128 | SH |  | SOLE | 0 | 0 | 0 | 1128 |
| CAPITAL GROUP GBL GROWTH EQT | SHS CREATION UNI | 14020X104 |  | 1896839 | 90283 | SH |  | SOLE | 0 | 0 | 0 | 90283 |
| CHEVRON CORP NEW | COM | 166764100 |  | 653442 | 3641 | SH |  | SOLE | 0 | 0 | 0 | 3641 |
| CHUBB LIMITED | COM | H1467J104 |  | 507901 | 2302 | SH |  | SOLE | 0 | 0 | 0 | 2302 |
| CISCO SYS INC | COM | 17275R102 |  | 669974 | 14063 | SH |  | SOLE | 0 | 0 | 0 | 14063 |
| COCA COLA CO | COM | 191216100 |  | 207308 | 3259 | SH |  | SOLE | 0 | 0 | 0 | 3259 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 209424 | 2658 | SH |  | SOLE | 0 | 0 | 0 | 2658 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 499204 | 14275 | SH |  | SOLE | 0 | 0 | 0 | 14275 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1374978 | 3012 | SH |  | SOLE | 0 | 0 | 0 | 3012 |
| CSX CORP | COM | 126408103 |  | 228511 | 7376 | SH |  | SOLE | 0 | 0 | 0 | 7376 |
| CVS HEALTH CORP | COM | 126650100 |  | 253029 | 2715 | SH |  | SOLE | 0 | 0 | 0 | 2715 |
| D R HORTON INC | COM | 23331A109 |  | 291934 | 3275 | SH |  | SOLE | 0 | 0 | 0 | 3275 |
| DANAHER CORPORATION | COM | 235851102 |  | 1283592 | 4836 | SH |  | SOLE | 0 | 0 | 0 | 4836 |
| DEERE  CO | COM | 244199105 |  | 553105 | 1290 | SH |  | SOLE | 0 | 0 | 0 | 1290 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 478128 | 14281 | SH |  | SOLE | 0 | 0 | 0 | 14281 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 734106 | 30235 | SH |  | SOLE | 0 | 0 | 0 | 30235 |
| ELEVANCE HEALTH INC | COM | 036752103 |  | 323221 | 630 | SH |  | SOLE | 0 | 0 | 0 | 630 |
| ENSIGN GROUP INC | COM | 29358P101 |  | 246554 | 2606 | SH |  | SOLE | 0 | 0 | 0 | 2606 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 897633 | 37215 | SH |  | SOLE | 0 | 0 | 0 | 37215 |
| EOG RES INC | COM | 26875P101 |  | 649931 | 5018 | SH |  | SOLE | 0 | 0 | 0 | 5018 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 3412879 | 30942 | SH |  | SOLE | 0 | 0 | 0 | 30942 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 203500 | 4520 | SH |  | SOLE | 0 | 0 | 0 | 4520 |
| FIRSTENERGY CORP | COM | 337932107 |  | 360810 | 8603 | SH |  | SOLE | 0 | 0 | 0 | 8603 |
| GENERAL ELECTRIC CO | COM NEW | 369604301 |  | 347344 | 4145 | SH |  | SOLE | 0 | 0 | 0 | 4145 |
| GOLUB CAP BDC INC | COM | 38173M102 |  | 137996 | 10486 | SH |  | SOLE | 0 | 0 | 0 | 10486 |
| HENRY JACK  ASSOC INC | COM | 426281101 |  | 628154 | 3578 | SH |  | SOLE | 0 | 0 | 0 | 3578 |
| HOME DEPOT INC | COM | 437076102 |  | 1485324 | 4702 | SH |  | SOLE | 0 | 0 | 0 | 4702 |
| HONEYWELL INTL INC | COM | 438516106 |  | 811782 | 3788 | SH |  | SOLE | 0 | 0 | 0 | 3788 |
| HORIZON THERAPEUTICS PUB L | SHS | G46188101 |  | 203588 | 1789 | SH |  | SOLE | 0 | 0 | 0 | 1789 |
| IDEX CORP | COM | 45167R104 |  | 266918 | 1169 | SH |  | SOLE | 0 | 0 | 0 | 1169 |
| INTERCONTINENTAL EXCHANGE IN | COM | 45866F104 |  | 358069 | 3490 | SH |  | SOLE | 0 | 0 | 0 | 3490 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 336699 | 2390 | SH |  | SOLE | 0 | 0 | 0 | 2390 |
| INTUIT | COM | 461202103 |  | 1018978 | 2618 | SH |  | SOLE | 0 | 0 | 0 | 2618 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 283875 | 15000 | SH |  | SOLE | 0 | 0 | 0 | 15000 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2023 CB | 46138J866 |  | 308763 | 14717 | SH |  | SOLE | 0 | 0 | 0 | 14717 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 317872 | 1194 | SH |  | SOLE | 0 | 0 | 0 | 1194 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 271429 | 5812 | SH |  | SOLE | 0 | 0 | 0 | 5812 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 444137 | 7673 | SH |  | SOLE | 0 | 0 | 0 | 7673 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 286092 | 4641 | SH |  | SOLE | 0 | 0 | 0 | 4641 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 3008560 | 28512 | SH |  | SOLE | 0 | 0 | 0 | 28512 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 1704336 | 30176 | SH |  | SOLE | 0 | 0 | 0 | 30176 |
| ISHARES TR | GLB INFRASTR ETF | 464288372 |  | 1495053 | 32615 | SH |  | SOLE | 0 | 0 | 0 | 32615 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 563221 | 5807 | SH |  | SOLE | 0 | 0 | 0 | 5807 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 562471 | 2622 | SH |  | SOLE | 0 | 0 | 0 | 2622 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 3678046 | 15205 | SH |  | SOLE | 0 | 0 | 0 | 15205 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 2989812 | 31591 | SH |  | SOLE | 0 | 0 | 0 | 31591 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 644111 | 4440 | SH |  | SOLE | 0 | 0 | 0 | 4440 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2504984 | 6520 | SH |  | SOLE | 0 | 0 | 0 | 6520 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 519280 | 8877 | SH |  | SOLE | 0 | 0 | 0 | 8877 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 537046 | 2507 | SH |  | SOLE | 0 | 0 | 0 | 2507 |
| J P MORGAN EXCHANGE TRADED F | INTL BD OPP ETF | 46641Q852 |  | 2686590 | 58427 | SH |  | SOLE | 0 | 0 | 0 | 58427 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT INC | 46641Q837 |  | 5610993 | 111929 | SH |  | SOLE | 0 | 0 | 0 | 111929 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 1789326 | 35408 | SH |  | SOLE | 0 | 0 | 0 | 35408 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 316923 | 7024 | SH |  | SOLE | 0 | 0 | 0 | 7024 |
| J P MORGAN EXCHANGE TRADED F | ACTIVE VALUE ETF | 46641Q167 |  | 2640555 | 51543 | SH |  | SOLE | 0 | 0 | 0 | 51543 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 730069 | 4133 | SH |  | SOLE | 0 | 0 | 0 | 4133 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 1159861 | 8649 | SH |  | SOLE | 0 | 0 | 0 | 8649 |
| KEYSIGHT TECHNOLOGIES INC | COM | 49338L103 |  | 235392 | 1376 | SH |  | SOLE | 0 | 0 | 0 | 1376 |
| LILLY ELI  CO | COM | 532457108 |  | 351938 | 962 | SH |  | SOLE | 0 | 0 | 0 | 962 |
| LOWES COS INC | COM | 548661107 |  | 331336 | 1663 | SH |  | SOLE | 0 | 0 | 0 | 1663 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 297744 | 856 | SH |  | SOLE | 0 | 0 | 0 | 856 |
| MCDONALDS CORP | COM | 580135101 |  | 334947 | 1271 | SH |  | SOLE | 0 | 0 | 0 | 1271 |
| MERCK  CO INC | COM | 58933Y105 |  | 721378 | 6502 | SH |  | SOLE | 0 | 0 | 0 | 6502 |
| META PLATFORMS INC | CL A | 30303M102 |  | 243929 | 2027 | SH |  | SOLE | 0 | 0 | 0 | 2027 |
| METTLER TOLEDO INTERNATIONAL | COM | 592688105 |  | 234163 | 162 | SH |  | SOLE | 0 | 0 | 0 | 162 |
| MGM RESORTS INTERNATIONAL | COM | 552953101 |  | 293393 | 8750 | SH |  | SOLE | 0 | 0 | 0 | 8750 |
| MICROSOFT CORP | COM | 594918104 |  | 4627463 | 19296 | SH |  | SOLE | 0 | 0 | 0 | 19296 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 363309 | 5451 | SH |  | SOLE | 0 | 0 | 0 | 5451 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 333564 | 3990 | SH |  | SOLE | 0 | 0 | 0 | 3990 |
| NEXTERA ENERGY PARTNERS LP | COM UNIT PART IN | 65341B106 |  | 364060 | 5194 | SH |  | SOLE | 0 | 0 | 0 | 5194 |
| NIKE INC | CL B | 654106103 |  | 477518 | 4081 | SH |  | SOLE | 0 | 0 | 0 | 4081 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 206861 | 379 | SH |  | SOLE | 0 | 0 | 0 | 379 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 253999 | 1877 | SH |  | SOLE | 0 | 0 | 0 | 1877 |
| NUCOR CORP | COM | 670346105 |  | 352067 | 2671 | SH |  | SOLE | 0 | 0 | 0 | 2671 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 605020 | 4140 | SH |  | SOLE | 0 | 0 | 0 | 4140 |
| ORACLE CORP | COM | 68389X105 |  | 634854 | 7767 | SH |  | SOLE | 0 | 0 | 0 | 7767 |
| PEPSICO INC | COM | 713448108 |  | 806791 | 4466 | SH |  | SOLE | 0 | 0 | 0 | 4466 |
| PFIZER INC | COM | 717081103 |  | 887477 | 17320 | SH |  | SOLE | 0 | 0 | 0 | 17320 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 213148 | 2106 | SH |  | SOLE | 0 | 0 | 0 | 2106 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 |  | 4160715 | 45985 | SH |  | SOLE | 0 | 0 | 0 | 45985 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 700439 | 4622 | SH |  | SOLE | 0 | 0 | 0 | 4622 |
| QUALCOMM INC | COM | 747525103 |  | 1049918 | 9550 | SH |  | SOLE | 0 | 0 | 0 | 9550 |
| QUALYS INC | COM | 74758T303 |  | 202575 | 1805 | SH |  | SOLE | 0 | 0 | 0 | 1805 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 739012 | 7323 | SH |  | SOLE | 0 | 0 | 0 | 7323 |
| RESTAURANT BRANDS INTL INC | COM | 76131D103 |  | 252989 | 3912 | SH |  | SOLE | 0 | 0 | 0 | 3912 |
| ROPER TECHNOLOGIES INC | COM | 776696106 |  | 686591 | 1589 | SH |  | SOLE | 0 | 0 | 0 | 1589 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 574482 | 7605 | SH |  | SOLE | 0 | 0 | 0 | 7605 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 518900 | 11580 | SH |  | SOLE | 0 | 0 | 0 | 11580 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 2423524 | 75241 | SH |  | SOLE | 0 | 0 | 0 | 75241 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 561505 | 12436 | SH |  | SOLE | 0 | 0 | 0 | 12436 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 1980893 | 35653 | SH |  | SOLE | 0 | 0 | 0 | 35653 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 814042 | 3430 | SH |  | SOLE | 0 | 0 | 0 | 3430 |
| SPDR INDEX SHS FDS | PORTFLI MSCI GBL | 78463X475 |  | 365356 | 7835 | SH |  | SOLE | 0 | 0 | 0 | 7835 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 399805 | 12130 | SH |  | SOLE | 0 | 0 | 0 | 12130 |
| SPDR INDEX SHS FDS | DJ GLB RL ES ETF | 78463X749 |  | 1755601 | 42924 | SH |  | SOLE | 0 | 0 | 0 | 42924 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 464576 | 1215 | SH |  | SOLE | 0 | 0 | 0 | 1215 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 452525 | 1022 | SH |  | SOLE | 0 | 0 | 0 | 1022 |
| SPDR SER TR | PORTFOLI S | 78464A805 |  | 202976 | 4292 | SH |  | SOLE | 0 | 0 | 0 | 4292 |
| SPS COMM INC | COM | 78463M107 |  | 203176 | 1582 | SH |  | SOLE | 0 | 0 | 0 | 1582 |
| STARBUCKS CORP | COM | 855244109 |  | 359699 | 3626 | SH |  | SOLE | 0 | 0 | 0 | 3626 |
| STRYKER CORPORATION | COM | 863667101 |  | 482868 | 1975 | SH |  | SOLE | 0 | 0 | 0 | 1975 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 237769 | 3192 | SH |  | SOLE | 0 | 0 | 0 | 3192 |
| TARGET CORP | COM | 87612E106 |  | 441613 | 2963 | SH |  | SOLE | 0 | 0 | 0 | 2963 |
| TEXTRON INC | COM | 883203101 |  | 305856 | 4320 | SH |  | SOLE | 0 | 0 | 0 | 4320 |
| TYSON FOODS INC | CL A | 902494103 |  | 281619 | 4524 | SH |  | SOLE | 0 | 0 | 0 | 4524 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 225644 | 1298 | SH |  | SOLE | 0 | 0 | 0 | 1298 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 1996201 | 3765 | SH |  | SOLE | 0 | 0 | 0 | 3765 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 481831 | 6707 | SH |  | SOLE | 0 | 0 | 0 | 6707 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 254912 | 1816 | SH |  | SOLE | 0 | 0 | 0 | 1816 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 321750 | 2026 | SH |  | SOLE | 0 | 0 | 0 | 2026 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 226536 | 1063 | SH |  | SOLE | 0 | 0 | 0 | 1063 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 574905 | 1636 | SH |  | SOLE | 0 | 0 | 0 | 1636 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 8761934 | 45828 | SH |  | SOLE | 0 | 0 | 0 | 45828 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 2655467 | 68124 | SH |  | SOLE | 0 | 0 | 0 | 68124 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 5041007 | 58487 | SH |  | SOLE | 0 | 0 | 0 | 58487 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 203800 | 4118 | SH |  | SOLE | 0 | 0 | 0 | 4118 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 308168 | 5591 | SH |  | SOLE | 0 | 0 | 0 | 5591 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 5415401 | 81337 | SH |  | SOLE | 0 | 0 | 0 | 81337 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 489011 | 6309 | SH |  | SOLE | 0 | 0 | 0 | 6309 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1298520 | 30939 | SH |  | SOLE | 0 | 0 | 0 | 30939 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 309814 | 7863 | SH |  | SOLE | 0 | 0 | 0 | 7863 |
| VISA INC | COM CL A | 92826C839 |  | 2198161 | 10580 | SH |  | SOLE | 0 | 0 | 0 | 10580 |
| WENDYS CO | COM | 95058W100 |  | 346239 | 15300 | SH |  | SOLE | 0 | 0 | 0 | 15300 |
| YUM BRANDS INC | COM | 988498101 |  | 313190 | 2445 | SH |  | SOLE | 0 | 0 | 0 | 2445 |

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