# EDGAR Filing Document

**Accession Number:** 0001571556
**File Stem:** 0001571556-23-000001
**Filing Date:** 2023-1
**Character Count:** 27939
**Document Hash:** 4f97dd2440a82c03beef9bb2d46aa0e7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001571556-23-000001.hdr.sgml**: 20230109

**ACCESSION NUMBER**: 0001571556-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230109

**DATE AS OF CHANGE**: 20230109

**EFFECTIVENESS DATE**: 20230109

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Pure Financial Advisors, LLC
- **CENTRAL INDEX KEY:** 0001571556
- **IRS NUMBER:** 611526681
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1212

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-15445
- **FILM NUMBER:** 23517464

**BUSINESS ADDRESS:**
- **STREET 1:** 3131 CAMINO DEL RIO N
- **STREET 2:** STE 1550
- **CITY:** SAN DIEGO
- **STATE:** CA
- **ZIP:** 92108
- **BUSINESS PHONE:** 6198144100

**MAIL ADDRESS:**
- **STREET 1:** 3131 CAMINO DEL RIO N
- **STREET 2:** STE 1550
- **CITY:** SAN DIEGO
- **STATE:** CA
- **ZIP:** 92108

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Pure Financial Advisors, Inc.
- **DATE OF NAME CHANGE:** 20130307

### 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:** Pure Financial Advisors LLC<br>**Address:** 3131 CAMINO DEL RIO N<br>STE 1550<br>SAN DIEGO, CA 92108

**Form 13F File Number:** 028-15445

**CRD Number (if applicable):** 000144316

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:** Benjamin S. Littman<br>**Title:** Chief Solutions Officer<br>**Phone:** 619-814-4100

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

Benjamin S. Littman  San Diego, CA  01-09-2023<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:** 242

**Form 13F Information Table Value Total:** $1936222800

      (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 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 159183497 | 416242 | SH |  | SOLE |  | 0 | 0 | 416242 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 146729910 | 2042454 | SH |  | SOLE |  | 0 | 0 | 2042454 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 118615017 | 1924319 | SH |  | SOLE |  | 0 | 0 | 1924319 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 110253327 | 4540911 | SH |  | SOLE |  | 0 | 0 | 4540911 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 92330897 | 1839627 | SH |  | SOLE |  | 0 | 0 | 1839627 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 85472593 | 1036283 | SH |  | SOLE |  | 0 | 0 | 1036283 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 72791058 | 1461081 | SH |  | SOLE |  | 0 | 0 | 1461081 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 72505750 | 1437180 | SH |  | SOLE |  | 0 | 0 | 1437180 |
| SPDR INDEX SHS FDS | GLB NAT RESRCE | 78463X541 |  | 61747004 | 1082901 | SH |  | SOLE |  | 0 | 0 | 1082901 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 58791537 | 1400799 | SH |  | SOLE |  | 0 | 0 | 1400799 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 39397807 | 1010719 | SH |  | SOLE |  | 0 | 0 | 1010719 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 37051236 | 640803 | SH |  | SOLE |  | 0 | 0 | 640803 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 36489463 | 430300 | SH |  | SOLE |  | 0 | 0 | 430300 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 36139993 | 761965 | SH |  | SOLE |  | 0 | 0 | 761965 |
| SPDR SER TR | PORTFLI TIPS ETF | 78464A656 |  | 33228824 | 1289939 | SH |  | SOLE |  | 0 | 0 | 1289939 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 30226501 | 311742 | SH |  | SOLE |  | 0 | 0 | 311742 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 |  | 29921028 | 540579 | SH |  | SOLE |  | 0 | 0 | 540579 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 29000119 | 166476 | SH |  | SOLE |  | 0 | 0 | 166476 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 24456513 | 127917 | SH |  | SOLE |  | 0 | 0 | 127917 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 23525461 | 454247 | SH |  | SOLE |  | 0 | 0 | 454247 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 21226854 | 482977 | SH |  | SOLE |  | 0 | 0 | 482977 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 20939072 | 409366 | SH |  | SOLE |  | 0 | 0 | 409366 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 |  | 19448902 | 618014 | SH |  | SOLE |  | 0 | 0 | 618014 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 19226043 | 54722 | SH |  | SOLE |  | 0 | 0 | 54722 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 19072239 | 179183 | SH |  | SOLE |  | 0 | 0 | 179183 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 18486747 | 90706 | SH |  | SOLE |  | 0 | 0 | 90706 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 17988121 | 605865 | SH |  | SOLE |  | 0 | 0 | 605865 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 17663372 | 239894 | SH |  | SOLE |  | 0 | 0 | 239894 |
| FLEXSHARES TR | MORNSTAR UPSTR | 33939L407 |  | 17408452 | 400470 | SH |  | SOLE |  | 0 | 0 | 400470 |
| APPLE INC | COM | 037833100 |  | 16441569 | 126542 | SH |  | SOLE |  | 0 | 0 | 126542 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 16006161 | 411575 | SH |  | SOLE |  | 0 | 0 | 411575 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 15168858 | 365339 | SH |  | SOLE |  | 0 | 0 | 365339 |
| SPDR SER TR | PORTFOLIO S | 78468R853 |  | 14506448 | 392384 | SH |  | SOLE |  | 0 | 0 | 392384 |
| SPDR SER TR | PORTFOLI S | 78464A805 |  | 13695454 | 289606 | SH |  | SOLE |  | 0 | 0 | 289606 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 13591519 | 74052 | SH |  | SOLE |  | 0 | 0 | 74052 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 12748591 | 90821 | SH |  | SOLE |  | 0 | 0 | 90821 |
| FIDELITY COVINGTON TRUST | MSCI RL EST ETF | 316092857 |  | 12471244 | 502670 | SH |  | SOLE |  | 0 | 0 | 502670 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 12144688 | 106570 | SH |  | SOLE |  | 0 | 0 | 106570 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 10700600 | 189458 | SH |  | SOLE |  | 0 | 0 | 189458 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 10301836 | 183601 | SH |  | SOLE |  | 0 | 0 | 183601 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 9775292 | 100787 | SH |  | SOLE |  | 0 | 0 | 100787 |
| ISHARES TR | CORE S ETF | 464287200 |  | 9687117 | 25213 | SH |  | SOLE |  | 0 | 0 | 25213 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 9340019 | 142292 | SH |  | SOLE |  | 0 | 0 | 142292 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 8942030 | 185365 | SH |  | SOLE |  | 0 | 0 | 185365 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 8831121 | 178587 | SH |  | SOLE |  | 0 | 0 | 178587 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 8635497 | 102087 | SH |  | SOLE |  | 0 | 0 | 102087 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 8556224 | 280256 | SH |  | SOLE |  | 0 | 0 | 280256 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 8475079 | 181479 | SH |  | SOLE |  | 0 | 0 | 181479 |
| MICROSOFT CORP | COM | 594918104 |  | 7649830 | 31898 | SH |  | SOLE |  | 0 | 0 | 31898 |
| ISHARES INC | MSCI EMERG MKT | 46434G889 |  | 6665218 | 162408 | SH |  | SOLE |  | 0 | 0 | 162408 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 6658932 | 82037 | SH |  | SOLE |  | 0 | 0 | 82037 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 6521240 | 47027 | SH |  | SOLE |  | 0 | 0 | 47027 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 6257419 | 43134 | SH |  | SOLE |  | 0 | 0 | 43134 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 5645921 | 118737 | SH |  | SOLE |  | 0 | 0 | 118737 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 5375000 | 71400 | SH |  | SOLE |  | 0 | 0 | 71400 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 5061201 | 20924 | SH |  | SOLE |  | 0 | 0 | 20924 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 4861889 | 74103 | SH |  | SOLE |  | 0 | 0 | 74103 |
| VANGUARD WELLINGTON FD | US QUALITY | 921935706 |  | 4849000 | 46247 | SH |  | SOLE |  | 0 | 0 | 46247 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 4645440 | 92649 | SH |  | SOLE |  | 0 | 0 | 92649 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 4616662 | 61400 | SH |  | SOLE |  | 0 | 0 | 61400 |
| SPDR INDEX SHS FDS | S EMKTSC ETF | 78463X756 |  | 4377077 | 89438 | SH |  | SOLE |  | 0 | 0 | 89438 |
| ISHARES TR | NORTH AMERN NAT | 464287374 |  | 4356268 | 107139 | SH |  | SOLE |  | 0 | 0 | 107139 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 4280876 | 31654 | SH |  | SOLE |  | 0 | 0 | 31654 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 3886447 | 117914 | SH |  | SOLE |  | 0 | 0 | 117914 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 3836190 | 18222 | SH |  | SOLE |  | 0 | 0 | 18222 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 3516624 | 109178 | SH |  | SOLE |  | 0 | 0 | 109178 |
| AON PLC | SHS CL A | G0403H108 |  | 3436555 | 11450 | SH |  | SOLE |  | 0 | 0 | 11450 |
| SPDR INDEX SHS FDS | S INTL SMLCP | 78463X871 |  | 3404906 | 115774 | SH |  | SOLE |  | 0 | 0 | 115774 |
| SPDR SER TR | PORTFOLIO S | 78464A847 |  | 3399400 | 79986 | SH |  | SOLE |  | 0 | 0 | 79986 |
| SEMPRA | COM | 816851109 |  | 3306598 | 21396 | SH |  | SOLE |  | 0 | 0 | 21396 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 3257447 | 34419 | SH |  | SOLE |  | 0 | 0 | 34419 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 3219301 | 128106 | SH |  | SOLE |  | 0 | 0 | 128106 |
| HOME DEPOT INC | COM | 437076102 |  | 3209758 | 10162 | SH |  | SOLE |  | 0 | 0 | 10162 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 3013886 | 17337 | SH |  | SOLE |  | 0 | 0 | 17337 |
| ABBVIE INC | COM | 00287Y109 |  | 2609483 | 16147 | SH |  | SOLE |  | 0 | 0 | 16147 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 2601807 | 24657 | SH |  | SOLE |  | 0 | 0 | 24657 |
| LEIDOS HOLDINGS INC | COM | 525327102 |  | 2523929 | 23994 | SH |  | SOLE |  | 0 | 0 | 23994 |
| TESLA INC | COM | 88160R101 |  | 2509669 | 20374 | SH |  | SOLE |  | 0 | 0 | 20374 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 2398535 | 23795 | SH |  | SOLE |  | 0 | 0 | 23795 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 2394547 | 36270 | SH |  | SOLE |  | 0 | 0 | 36270 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 2387769 | 63002 | SH |  | SOLE |  | 0 | 0 | 63002 |
| MERCK  CO INC | COM | 58933Y105 |  | 2376778 | 21422 | SH |  | SOLE |  | 0 | 0 | 21422 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 2200145 | 4820 | SH |  | SOLE |  | 0 | 0 | 4820 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 2185177 | 7074 | SH |  | SOLE |  | 0 | 0 | 7074 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 2129901 | 43037 | SH |  | SOLE |  | 0 | 0 | 43037 |
| CATERPILLAR INC | COM | 149123101 |  | 2090351 | 8726 | SH |  | SOLE |  | 0 | 0 | 8726 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1986945 | 9274 | SH |  | SOLE |  | 0 | 0 | 9274 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 1972357 | 102248 | SH |  | SOLE |  | 0 | 0 | 102248 |
| AMAZON COM INC | COM | 023135106 |  | 1952664 | 23246 | SH |  | SOLE |  | 0 | 0 | 23246 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1907068 | 7162 | SH |  | SOLE |  | 0 | 0 | 7162 |
| MVB FINL CORP | COM | 553810102 |  | 1867824 | 84824 | SH |  | SOLE |  | 0 | 0 | 84824 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 1828089 | 11512 | SH |  | SOLE |  | 0 | 0 | 11512 |
| ABBOTT LABS | COM | 002824100 |  | 1808752 | 16475 | SH |  | SOLE |  | 0 | 0 | 16475 |
| INVESCO EXCH TRADED FD TR II | CALIF AMT MUN | 46138E206 |  | 1803186 | 74697 | SH |  | SOLE |  | 0 | 0 | 74697 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 1734229 | 3565 | SH |  | SOLE |  | 0 | 0 | 3565 |
| SCIENCE APPLICATIONS INTL CO | COM | 808625107 |  | 1716975 | 15478 | SH |  | SOLE |  | 0 | 0 | 15478 |
| QUALCOMM INC | COM | 747525103 |  | 1614570 | 14686 | SH |  | SOLE |  | 0 | 0 | 14686 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 1519674 | 6125 | SH |  | SOLE |  | 0 | 0 | 6125 |
| ISHARES INC | EM MKT SM-CP ETF | 464286475 |  | 1483502 | 30727 | SH |  | SOLE |  | 0 | 0 | 30727 |
| LILLY ELI  CO | COM | 532457108 |  | 1463884 | 4001 | SH |  | SOLE |  | 0 | 0 | 4001 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 1461620 | 16007 | SH |  | SOLE |  | 0 | 0 | 16007 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 1455422 | 2745 | SH |  | SOLE |  | 0 | 0 | 2745 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 1377049 | 13394 | SH |  | SOLE |  | 0 | 0 | 13394 |
| EDWARDS LIFESCIENCES CORP | COM | 28176E108 |  | 1321716 | 17715 | SH |  | SOLE |  | 0 | 0 | 17715 |
| SPDR SER TR | S 400 MDCP VAL | 78464A839 |  | 1296038 | 20025 | SH |  | SOLE |  | 0 | 0 | 20025 |
| PFIZER INC | COM | 717081103 |  | 1293581 | 25246 | SH |  | SOLE |  | 0 | 0 | 25246 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 1264142 | 8336 | SH |  | SOLE |  | 0 | 0 | 8336 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 1252859 | 11893 | SH |  | SOLE |  | 0 | 0 | 11893 |
| CHEVRON CORP NEW | COM | 166764100 |  | 1202321 | 6699 | SH |  | SOLE |  | 0 | 0 | 6699 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1195193 | 7886 | SH |  | SOLE |  | 0 | 0 | 7886 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 1141721 | 11313 | SH |  | SOLE |  | 0 | 0 | 11313 |
| HONEYWELL INTL INC | COM | 438516106 |  | 1137131 | 5306 | SH |  | SOLE |  | 0 | 0 | 5306 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1134534 | 6422 | SH |  | SOLE |  | 0 | 0 | 6422 |
| INVESCO EXCHANGE TRADED FD T | S PUR GWT | 46137V266 |  | 1130404 | 7456 | SH |  | SOLE |  | 0 | 0 | 7456 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1107219 | 10038 | SH |  | SOLE |  | 0 | 0 | 10038 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 1051641 | 23469 | SH |  | SOLE |  | 0 | 0 | 23469 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 1051178 | 4763 | SH |  | SOLE |  | 0 | 0 | 4763 |
| DISNEY WALT CO | COM | 254687106 |  | 1045548 | 12034 | SH |  | SOLE |  | 0 | 0 | 12034 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 1038296 | 1903 | SH |  | SOLE |  | 0 | 0 | 1903 |
| SPDR SER TR | BLOOMBERG INTL T | 78464A516 |  | 1016183 | 45305 | SH |  | SOLE |  | 0 | 0 | 45305 |
| ISHARES TR | GL CLEAN ENE ETF | 464288224 |  | 988733 | 49810 | SH |  | SOLE |  | 0 | 0 | 49810 |
| SPDR SER TR | S 400 MDCP GRW | 78464A821 |  | 961629 | 14717 | SH |  | SOLE |  | 0 | 0 | 14717 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 940239 | 11077 | SH |  | SOLE |  | 0 | 0 | 11077 |
| BOEING CO | COM | 097023105 |  | 922162 | 4841 | SH |  | SOLE |  | 0 | 0 | 4841 |
| ELEVANCE HEALTH INC | COM | 036752103 |  | 900611 | 1756 | SH |  | SOLE |  | 0 | 0 | 1756 |
| SPDR SER TR | BLOOMBERG HIGH Y | 78468R622 |  | 878527 | 9761 | SH |  | SOLE |  | 0 | 0 | 9761 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 848273 | 4719 | SH |  | SOLE |  | 0 | 0 | 4719 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 844181 | 6354 | SH |  | SOLE |  | 0 | 0 | 6354 |
| STARBUCKS CORP | COM | 855244109 |  | 819591 | 8262 | SH |  | SOLE |  | 0 | 0 | 8262 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 808950 | 9117 | SH |  | SOLE |  | 0 | 0 | 9117 |
| PURE STORAGE INC | CL A | 74624M102 |  | 779893 | 29144 | SH |  | SOLE |  | 0 | 0 | 29144 |
| VISA INC | COM CL A | 92826C839 |  | 733808 | 3532 | SH |  | SOLE |  | 0 | 0 | 3532 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 733073 | 4204 | SH |  | SOLE |  | 0 | 0 | 4204 |
| AVERY DENNISON CORP | COM | 053611109 |  | 721828 | 3988 | SH |  | SOLE |  | 0 | 0 | 3988 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 720398 | 8165 | SH |  | SOLE |  | 0 | 0 | 8165 |
| AMEREN CORP | COM | 023608102 |  | 705746 | 7937 | SH |  | SOLE |  | 0 | 0 | 7937 |
| ISHARES INC | MSCI BIC ETF | 464286657 |  | 678541 | 19762 | SH |  | SOLE |  | 0 | 0 | 19762 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 645027 | 4084 | SH |  | SOLE |  | 0 | 0 | 4084 |
| MCDONALDS CORP | COM | 580135101 |  | 641931 | 2436 | SH |  | SOLE |  | 0 | 0 | 2436 |
| FIRSTENERGY CORP | COM | 337932107 |  | 632473 | 15080 | SH |  | SOLE |  | 0 | 0 | 15080 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 622947 | 5006 | SH |  | SOLE |  | 0 | 0 | 5006 |
| WALMART INC | COM | 931142103 |  | 611511 | 4313 | SH |  | SOLE |  | 0 | 0 | 4313 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 609836 | 14770 | SH |  | SOLE |  | 0 | 0 | 14770 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 603039 | 8538 | SH |  | SOLE |  | 0 | 0 | 8538 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 600516 | 13155 | SH |  | SOLE |  | 0 | 0 | 13155 |
| INTEGRA LIFESCIENCES HLDGS C | COM NEW | 457985208 |  | 598323 | 10671 | SH |  | SOLE |  | 0 | 0 | 10671 |
| PEPSICO INC | COM | 713448108 |  | 585218 | 3239 | SH |  | SOLE |  | 0 | 0 | 3239 |
| ORACLE CORP | COM | 68389X105 |  | 581522 | 7114 | SH |  | SOLE |  | 0 | 0 | 7114 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 572449 | 6755 | SH |  | SOLE |  | 0 | 0 | 6755 |
| INTEL CORP | COM | 458140100 |  | 561922 | 21261 | SH |  | SOLE |  | 0 | 0 | 21261 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 553165 | 3785 | SH |  | SOLE |  | 0 | 0 | 3785 |
| PERKINELMER INC | COM | 714046109 |  | 528650 | 3770 | SH |  | SOLE |  | 0 | 0 | 3770 |
| TJX COS INC NEW | COM | 872540109 |  | 526433 | 6613 | SH |  | SOLE |  | 0 | 0 | 6613 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 524627 | 10665 | SH |  | SOLE |  | 0 | 0 | 10665 |
| AMGEN INC | COM | 031162100 |  | 512951 | 1953 | SH |  | SOLE |  | 0 | 0 | 1953 |
| 3M CO | COM | 88579Y101 |  | 505703 | 4217 | SH |  | SOLE |  | 0 | 0 | 4217 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 488833 | 6794 | SH |  | SOLE |  | 0 | 0 | 6794 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 486501 | 4807 | SH |  | SOLE |  | 0 | 0 | 4807 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 484552 | 3613 | SH |  | SOLE |  | 0 | 0 | 3613 |
| RELIANCE STEEL  ALUMINUM CO | COM | 759509102 |  | 479363 | 2368 | SH |  | SOLE |  | 0 | 0 | 2368 |
| TETRA TECH INC NEW | COM | 88162G103 |  | 473553 | 3262 | SH |  | SOLE |  | 0 | 0 | 3262 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 468711 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| BANK AMERICA CORP | COM | 060505104 |  | 462289 | 13958 | SH |  | SOLE |  | 0 | 0 | 13958 |
| VANECK ETF TRUST | NATURAL RESOURC | 92189F841 |  | 461322 | 9370 | SH |  | SOLE |  | 0 | 0 | 9370 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 451242 | 2660 | SH |  | SOLE |  | 0 | 0 | 2660 |
| J P MORGAN EXCHANGE TRADED F | USD EMRNG MKT | 46641Q746 |  | 448416 | 11575 | SH |  | SOLE |  | 0 | 0 | 11575 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 443005 | 804 | SH |  | SOLE |  | 0 | 0 | 804 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 422121 | 3906 | SH |  | SOLE |  | 0 | 0 | 3906 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 420539 | 6397 | SH |  | SOLE |  | 0 | 0 | 6397 |
| GAMING  LEISURE PPTYS INC | COM | 36467J108 |  | 414376 | 7955 | SH |  | SOLE |  | 0 | 0 | 7955 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 402811 | 1584 | SH |  | SOLE |  | 0 | 0 | 1584 |
| BAXTER INTL INC | COM | 071813109 |  | 395603 | 7761 | SH |  | SOLE |  | 0 | 0 | 7761 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 394680 | 1852 | SH |  | SOLE |  | 0 | 0 | 1852 |
| SPDR SER TR | PRTFLO S GW | 78464A409 |  | 392008 | 7736 | SH |  | SOLE |  | 0 | 0 | 7736 |
| ISHARES TR | INTL TREA BD ETF | 464288117 |  | 382847 | 9779 | SH |  | SOLE |  | 0 | 0 | 9779 |
| CHARTER COMMUNICATIONS INC N | CL A | 16119P108 |  | 382844 | 1129 | SH |  | SOLE |  | 0 | 0 | 1129 |
| CIGNA CORP NEW | COM | 125523100 |  | 378059 | 1141 | SH |  | SOLE |  | 0 | 0 | 1141 |
| CISCO SYS INC | COM | 17275R102 |  | 368891 | 7743 | SH |  | SOLE |  | 0 | 0 | 7743 |
| MCKESSON CORP | COM | 58155Q103 |  | 359173 | 957 | SH |  | SOLE |  | 0 | 0 | 957 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 351019 | 14830 | SH |  | SOLE |  | 0 | 0 | 14830 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 343701 | 2530 | SH |  | SOLE |  | 0 | 0 | 2530 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 342729 | 5018 | SH |  | SOLE |  | 0 | 0 | 5018 |
| SPDR SER TR | ICE PFD SEC ETF | 78464A292 |  | 337127 | 10272 | SH |  | SOLE |  | 0 | 0 | 10272 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 331585 | 3180 | SH |  | SOLE |  | 0 | 0 | 3180 |
| PAYCHEX INC | COM | 704326107 |  | 328999 | 2847 | SH |  | SOLE |  | 0 | 0 | 2847 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 328391 | 7125 | SH |  | SOLE |  | 0 | 0 | 7125 |
| COLUMBIA ETF TR II | EM CORE EX ETF | 19762B202 |  | 327755 | 12828 | SH |  | SOLE |  | 0 | 0 | 12828 |
| AECOM | COM | 00766T100 |  | 327235 | 3853 | SH |  | SOLE |  | 0 | 0 | 3853 |
| SPDR SER TR | BLOOMBERG 1-3 MO | 78468R663 |  | 326548 | 3570 | SH |  | SOLE |  | 0 | 0 | 3570 |
| PRUDENTIAL FINL INC | COM | 744320102 |  | 325840 | 3276 | SH |  | SOLE |  | 0 | 0 | 3276 |
| LOWES COS INC | COM | 548661107 |  | 320338 | 1608 | SH |  | SOLE |  | 0 | 0 | 1608 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 319189 | 5456 | SH |  | SOLE |  | 0 | 0 | 5456 |
| NETFLIX INC | COM | 64110L106 |  | 313457 | 1063 | SH |  | SOLE |  | 0 | 0 | 1063 |
| SKECHERS U S A INC | CL A | 830566105 |  | 305312 | 7278 | SH |  | SOLE |  | 0 | 0 | 7278 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 298551 | 2759 | SH |  | SOLE |  | 0 | 0 | 2759 |
| PPL CORP | COM | 69351T106 |  | 295469 | 10112 | SH |  | SOLE |  | 0 | 0 | 10112 |
| EDISON INTL | COM | 281020107 |  | 289107 | 4544 | SH |  | SOLE |  | 0 | 0 | 4544 |
| ENTERPRISE FINL SVCS CORP | COM | 293712105 |  | 287583 | 5874 | SH |  | SOLE |  | 0 | 0 | 5874 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 281646 | 3575 | SH |  | SOLE |  | 0 | 0 | 3575 |
| COCA COLA CO | COM | 191216100 |  | 278897 | 4384 | SH |  | SOLE |  | 0 | 0 | 4384 |
| TEXAS INSTRS INC | COM | 882508104 |  | 274453 | 1661 | SH |  | SOLE |  | 0 | 0 | 1661 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 271365 | 5937 | SH |  | SOLE |  | 0 | 0 | 5937 |
| RLI CORP | COM | 749607107 |  | 268447 | 2045 | SH |  | SOLE |  | 0 | 0 | 2045 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 262906 | 3145 | SH |  | SOLE |  | 0 | 0 | 3145 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 262817 | 6488 | SH |  | SOLE |  | 0 | 0 | 6488 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 261145 | 751 | SH |  | SOLE |  | 0 | 0 | 751 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA US LG | 381430503 |  | 259908 | 3414 | SH |  | SOLE |  | 0 | 0 | 3414 |
| YUM BRANDS INC | COM | 988498101 |  | 258632 | 2019 | SH |  | SOLE |  | 0 | 0 | 2019 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 257321 | 7524 | SH |  | SOLE |  | 0 | 0 | 7524 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 256670 | 5407 | SH |  | SOLE |  | 0 | 0 | 5407 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 254556 | 4398 | SH |  | SOLE |  | 0 | 0 | 4398 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 252803 | 791 | SH |  | SOLE |  | 0 | 0 | 791 |
| WP CAREY INC | COM | 92936U109 |  | 250783 | 3209 | SH |  | SOLE |  | 0 | 0 | 3209 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 248116 | 3723 | SH |  | SOLE |  | 0 | 0 | 3723 |
| LABORATORY CORP AMER HLDGS | COM NEW | 50540R409 |  | 247453 | 1051 | SH |  | SOLE |  | 0 | 0 | 1051 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 247328 | 2096 | SH |  | SOLE |  | 0 | 0 | 2096 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 243596 | 1886 | SH |  | SOLE |  | 0 | 0 | 1886 |
| SERVICENOW INC | COM | 81762P102 |  | 240339 | 619 | SH |  | SOLE |  | 0 | 0 | 619 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 239528 | 1915 | SH |  | SOLE |  | 0 | 0 | 1915 |
| L3HARRIS TECHNOLOGIES INC | COM | 502431109 |  | 235694 | 1132 | SH |  | SOLE |  | 0 | 0 | 1132 |
| INVESCO EXCHANGE TRADED FD T | BUYBACK ACHIEV | 46137V308 |  | 234434 | 2740 | SH |  | SOLE |  | 0 | 0 | 2740 |
| ISHARES TR | RUSEL 2500 ETF | 46435G268 |  | 233338 | 4391 | SH |  | SOLE |  | 0 | 0 | 4391 |
| US BANCORP DEL | COM NEW | 902973304 |  | 231874 | 5317 | SH |  | SOLE |  | 0 | 0 | 5317 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 224908 | 2701 | SH |  | SOLE |  | 0 | 0 | 2701 |
| NUVEEN CALIFORNIA AMT QLT MU | COM | 670651108 |  | 222070 | 18054 | SH |  | SOLE |  | 0 | 0 | 18054 |
| ON SEMICONDUCTOR CORP | COM | 682189105 |  | 218233 | 3499 | SH |  | SOLE |  | 0 | 0 | 3499 |
| ABRDN GOLD ETF TRUST | PHYSCL GOLD SHS | 00326A104 |  | 218095 | 12484 | SH |  | SOLE |  | 0 | 0 | 12484 |
| CORTEVA INC | COM | 22052L104 |  | 218074 | 3710 | SH |  | SOLE |  | 0 | 0 | 3710 |
| ISHARES TR | U.S. REAL ES ETF | 464287739 |  | 214665 | 2550 | SH |  | SOLE |  | 0 | 0 | 2550 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 210958 | 1226 | SH |  | SOLE |  | 0 | 0 | 1226 |
| WHEATON PRECIOUS METALS CORP | COM | 962879102 |  | 207124 | 5300 | SH |  | SOLE |  | 0 | 0 | 5300 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 205236 | 5209 | SH |  | SOLE |  | 0 | 0 | 5209 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 204870 | 1454 | SH |  | SOLE |  | 0 | 0 | 1454 |
| EVERSOURCE ENERGY | COM | 30040W108 |  | 201592 | 2404 | SH |  | SOLE |  | 0 | 0 | 2404 |
| BROOKFIELD CORP | CL A LTD VT SH | 11271J107 |  | 200683 | 6379 | SH |  | SOLE |  | 0 | 0 | 6379 |
| FORD MTR CO DEL | COM | 345370860 |  | 190828 | 16408 | SH |  | SOLE |  | 0 | 0 | 16408 |
| NUVEEN CA QUALTY MUN INCOME | COM | 67066Y105 |  | 157746 | 14250 | SH |  | SOLE |  | 0 | 0 | 14250 |
| PIMCO CALIF MUN INCOME FD II | COM | 72200M108 |  | 131638 | 19387 | SH |  | SOLE |  | 0 | 0 | 19387 |
| CIA ENERGETICA DE MINAS GERA | SP ADR N-V PFD | 204409601 |  | 103351 | 50912 | SH |  | SOLE |  | 0 | 0 | 50912 |
| LORDSTOWN MOTORS CORP | COM CL A | 54405Q100 |  | 31635 | 27750 | SH |  | SOLE |  | 0 | 0 | 27750 |
| NEOVOLTA INC | COM | 640655106 |  | 30001 | 10753 | SH |  | SOLE |  | 0 | 0 | 10753 |
| CANOPY GROWTH CORP | COM | 138035100 |  | 23569 | 10203 | SH |  | SOLE |  | 0 | 0 | 10203 |

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