# EDGAR Filing Document

**Accession Number:** 0000816192
**File Stem:** 0001951757-25-000583
**Filing Date:** 2025-7
**Character Count:** 19943
**Document Hash:** a72e91bbee58fef168d8b150d2e65fe4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-000583.hdr.sgml**: 20250708

**ACCESSION NUMBER**: 0001951757-25-000583

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250708

**DATE AS OF CHANGE**: 20250708

**EFFECTIVENESS DATE**: 20250708

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FIRST NATIONAL CORP /MA/ /ADV
- **CENTRAL INDEX KEY:** 0000816192

**ORGANIZATION NAME:**
- **EIN:** 042541452
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19543
- **FILM NUMBER:** 251111429

**BUSINESS ADDRESS:**
- **STREET 1:** 300 LEDGEWOOD PLACE
- **STREET 2:** SUITE 101
- **CITY:** ROCKLAND
- **STATE:** MA
- **ZIP:** 02370
- **BUSINESS PHONE:** 7818787757

**MAIL ADDRESS:**
- **STREET 1:** 300 LEDGEWOOD PLACE
- **STREET 2:** SUITE 101
- **CITY:** ROCKLAND
- **STATE:** MA
- **ZIP:** 02370

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** FIRST NATIONAL CORP /MA/                                /ADV
- **DATE OF NAME CHANGE:** 19870616

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** FIRST NATIONAL CORP /MA/ /ADV<br>**Address:** 300 LEDGEWOOD PLACE<br>SUITE 101<br>ROCKLAND, MA 02370

**Form 13F File Number:** 028-19543

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:** Jason Skolnick<br>**Title:** Chief Compliance Officer<br>**Phone:** (781) 878-7757

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

Jason Skolnick  Rockland, MA  07-08-2025<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:** 163

**Form 13F Information Table Value Total:** $496045843

      (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 |  | 1533045 | 11272 | SH |  | SOLE |  | 0 | 0 | 11272 |
| ABBVIE INC | COM | 00287Y109 |  | 909519 | 4900 | SH |  | SOLE |  | 0 | 0 | 4900 |
| AFLAC INC | COM | 001055102 |  | 421840 | 4000 | SH |  | SOLE |  | 0 | 0 | 4000 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1723492 | 9716 | SH |  | SOLE |  | 0 | 0 | 9716 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 3049291 | 17303 | SH |  | SOLE |  | 0 | 0 | 17303 |
| AMAZON COM INC | COM | 023135106 |  | 3645165 | 16615 | SH |  | SOLE |  | 0 | 0 | 16615 |
| AMER STATES WTR CO | COM | 029899101 |  | 1820368 | 23746 | SH |  | SOLE |  | 0 | 0 | 23746 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 423588 | 1328 | SH |  | SOLE |  | 0 | 0 | 1328 |
| AMERICAN WTR WKS CO INC NEW | COM | 030420103 |  | 1798831 | 12931 | SH |  | SOLE |  | 0 | 0 | 12931 |
| AMGEN INC | COM | 031162100 |  | 549764 | 1969 | SH |  | SOLE |  | 0 | 0 | 1969 |
| APPLE INC | COM | 037833100 |  | 12753287 | 62160 | SH |  | SOLE |  | 0 | 0 | 62160 |
| AT INC | COM | 00206R102 |  | 439726 | 15194 | SH |  | SOLE |  | 0 | 0 | 15194 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 2915200 | 4 | SH |  | SOLE |  | 0 | 0 | 4 |
| BLACKROCK INC | COM | 09290D101 |  | 244475 | 233 | SH |  | SOLE |  | 0 | 0 | 233 |
| BOEING CO | COM | 097023105 |  | 240960 | 1150 | SH |  | SOLE |  | 0 | 0 | 1150 |
| BROADCOM INC | COM | 11135F101 |  | 395696 | 1436 | SH |  | SOLE |  | 0 | 0 | 1436 |
| CALIFORNIA WTR SVC GROUP | COM | 130788102 |  | 1744886 | 38366 | SH |  | SOLE |  | 0 | 0 | 38366 |
| CAMDEN NATL CORP | COM | 133034108 |  | 285643 | 7039 | SH |  | SOLE |  | 0 | 0 | 7039 |
| CAPITAL GROUP INTL FOCUS EQT | SHS CREATION UNI | 14019W109 |  | 337579 | 12443 | SH |  | SOLE |  | 0 | 0 | 12443 |
| CATERPILLAR INC | COM | 149123101 |  | 540971 | 1394 | SH |  | SOLE |  | 0 | 0 | 1394 |
| CHEVRON CORP NEW | COM | 166764100 |  | 482837 | 3372 | SH |  | SOLE |  | 0 | 0 | 3372 |
| CISCO SYS INC | COM | 17275R102 |  | 496942 | 7163 | SH |  | SOLE |  | 0 | 0 | 7163 |
| CITIGROUP INC | COM NEW | 172967424 |  | 232888 | 2736 | SH |  | SOLE |  | 0 | 0 | 2736 |
| COCA COLA CO | COM | 191216100 |  | 591438 | 8360 | SH |  | SOLE |  | 0 | 0 | 8360 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 353874 | 3893 | SH |  | SOLE |  | 0 | 0 | 3893 |
| COLUMBIA ETF TR II | EM CORE EX ETF | 19762B202 |  | 3378929 | 98857 | SH |  | SOLE |  | 0 | 0 | 98857 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 3607805 | 3644 | SH |  | SOLE |  | 0 | 0 | 3644 |
| CSW INDUSTRIALS INC | COM | 126402106 |  | 816605 | 2847 | SH |  | SOLE |  | 0 | 0 | 2847 |
| DBX ETF TR | XTRACKERS MSCI | 233051150 |  | 546162 | 9602 | SH |  | SOLE |  | 0 | 0 | 9602 |
| DEERE  CO | COM | 244199105 |  | 315510 | 620 | SH |  | SOLE |  | 0 | 0 | 620 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 632471 | 14767 | SH |  | SOLE |  | 0 | 0 | 14767 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 8884075 | 256988 | SH |  | SOLE |  | 0 | 0 | 256988 |
| DISNEY WALT CO | COM | 254687106 |  | 422122 | 3404 | SH |  | SOLE |  | 0 | 0 | 3404 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 1213920 | 10287 | SH |  | SOLE |  | 0 | 0 | 10287 |
| ECOLAB INC | COM | 278865100 |  | 202080 | 750 | SH |  | SOLE |  | 0 | 0 | 750 |
| ELI LILLY  CO | COM | 532457108 |  | 3153315 | 4045 | SH |  | SOLE |  | 0 | 0 | 4045 |
| EMERSON ELEC CO | COM | 291011104 |  | 282926 | 2122 | SH |  | SOLE |  | 0 | 0 | 2122 |
| ESSENTIAL UTILS INC | COM | 29670G102 |  | 1765933 | 47548 | SH |  | SOLE |  | 0 | 0 | 47548 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1063508 | 9866 | SH |  | SOLE |  | 0 | 0 | 9866 |
| FIDELITY COVINGTON TRUST | MSCI RL EST ETF | 316092857 |  | 1672045 | 61836 | SH |  | SOLE |  | 0 | 0 | 61836 |
| GAMESTOP CORP NEW | CL A | 36467W109 |  | 1137282 | 46629 | SH |  | SOLE |  | 0 | 0 | 46629 |
| GE AEROSPACE | COM NEW | 369604301 |  | 337726 | 1312 | SH |  | SOLE |  | 0 | 0 | 1312 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 610304 | 2093 | SH |  | SOLE |  | 0 | 0 | 2093 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 223514 | 2016 | SH |  | SOLE |  | 0 | 0 | 2016 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA INT | 381430107 |  | 5686643 | 143385 | SH |  | SOLE |  | 0 | 0 | 143385 |
| H2O AMERICA | COM | 784305104 |  | 1918369 | 36913 | SH |  | SOLE |  | 0 | 0 | 36913 |
| HOME DEPOT INC | COM | 437076102 |  | 823963 | 2247 | SH |  | SOLE |  | 0 | 0 | 2247 |
| HONEYWELL INTL INC | COM | 438516106 |  | 308990 | 1327 | SH |  | SOLE |  | 0 | 0 | 1327 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1040279 | 3529 | SH |  | SOLE |  | 0 | 0 | 3529 |
| INVESCO EXCH TRADED FD TR II | KBW PPTY CASUT | 46138E586 |  | 5195095 | 42295 | SH |  | SOLE |  | 0 | 0 | 42295 |
| INVESCO EXCH TRADED FD TR II | FNDMNTL HY CRP | 46138E719 |  | 275885 | 14945 | SH |  | SOLE |  | 0 | 0 | 14945 |
| INVESCO EXCH TRADED FD TR II | VAR RATE PFD | 46138G870 |  | 2794790 | 114306 | SH |  | SOLE |  | 0 | 0 | 114306 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 10399221 | 18851 | SH |  | SOLE |  | 0 | 0 | 18851 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1896581 | 17354 | SH |  | SOLE |  | 0 | 0 | 17354 |
| ISHARES TR | ESG SELECT SCRE | 46436E551 |  | 268712 | 6475 | SH |  | SOLE |  | 0 | 0 | 6475 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 592015 | 5380 | SH |  | SOLE |  | 0 | 0 | 5380 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 557147 | 2582 | SH |  | SOLE |  | 0 | 0 | 2582 |
| ISHARES TR | USD GRN BOND ETF | 46435U440 |  | 267143 | 5604 | SH |  | SOLE |  | 0 | 0 | 5604 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 |  | 3242949 | 13586 | SH |  | SOLE |  | 0 | 0 | 13586 |
| ISHARES TR | CORE S ETF | 464287200 |  | 3541753 | 5704 | SH |  | SOLE |  | 0 | 0 | 5704 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 3844295 | 20379 | SH |  | SOLE |  | 0 | 0 | 20379 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 7270955 | 113715 | SH |  | SOLE |  | 0 | 0 | 113715 |
| ISHARES TR | GNMA BOND ETF | 46429B333 |  | 425392 | 9679 | SH |  | SOLE |  | 0 | 0 | 9679 |
| ISHARES TR | SELECT US REIT | 464287564 |  | 2120712 | 34675 | SH |  | SOLE |  | 0 | 0 | 34675 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 2326732 | 26029 | SH |  | SOLE |  | 0 | 0 | 26029 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 8491503 | 96221 | SH |  | SOLE |  | 0 | 0 | 96221 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 395456 | 7751 | SH |  | SOLE |  | 0 | 0 | 7751 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 13697354 | 138078 | SH |  | SOLE |  | 0 | 0 | 138078 |
| ISHARES TR | CR 5 10 YR ETF | 46435G417 |  | 11330317 | 259691 | SH |  | SOLE |  | 0 | 0 | 259691 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 1018602 | 2902 | SH |  | SOLE |  | 0 | 0 | 2902 |
| ISHARES TR | IBONDS DEC2026 | 46435GAA0 |  | 425878 | 17562 | SH |  | SOLE |  | 0 | 0 | 17562 |
| ISHARES TR | INTL TREA BD ETF | 464288117 |  | 221448 | 5138 | SH |  | SOLE |  | 0 | 0 | 5138 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 686363 | 6234 | SH |  | SOLE |  | 0 | 0 | 6234 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1986696 | 32033 | SH |  | SOLE |  | 0 | 0 | 32033 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1458145 | 17467 | SH |  | SOLE |  | 0 | 0 | 17467 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 1501651 | 12816 | SH |  | SOLE |  | 0 | 0 | 12816 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1494748 | 9786 | SH |  | SOLE |  | 0 | 0 | 9786 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1277070 | 4405 | SH |  | SOLE |  | 0 | 0 | 4405 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 350937 | 2722 | SH |  | SOLE |  | 0 | 0 | 2722 |
| KIRBY CORP | COM | 497266106 |  | 707905 | 6242 | SH |  | SOLE |  | 0 | 0 | 6242 |
| LEGGETT  PLATT INC | COM | 524660107 |  | 1587805 | 178005 | SH |  | SOLE |  | 0 | 0 | 178005 |
| LIBERTY MEDIA CORP DEL | COM LBTY ONE S C | 531229755 |  | 261250 | 2500 | SH |  | SOLE |  | 0 | 0 | 2500 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 305960 | 661 | SH |  | SOLE |  | 0 | 0 | 661 |
| MCDONALDS CORP | COM | 580135101 |  | 306675 | 1050 | SH |  | SOLE |  | 0 | 0 | 1050 |
| MERCK  CO INC | COM | 58933Y105 |  | 761588 | 9621 | SH |  | SOLE |  | 0 | 0 | 9621 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1367826 | 1853 | SH |  | SOLE |  | 0 | 0 | 1853 |
| MICROSOFT CORP | COM | 594918104 |  | 4151119 | 8345 | SH |  | SOLE |  | 0 | 0 | 8345 |
| MICROSTRATEGY INC | CL A NEW | 594972408 |  | 404230 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 232067 | 1648 | SH |  | SOLE |  | 0 | 0 | 1648 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 430225 | 6197 | SH |  | SOLE |  | 0 | 0 | 6197 |
| NUSHARES ETF TR | NUVEEN ESG SMLCP | 67092P607 |  | 327651 | 8042 | SH |  | SOLE |  | 0 | 0 | 8042 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2425826 | 15354 | SH |  | SOLE |  | 0 | 0 | 15354 |
| ORACLE CORP | COM | 68389X105 |  | 464425 | 2124 | SH |  | SOLE |  | 0 | 0 | 2124 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 336301 | 2467 | SH |  | SOLE |  | 0 | 0 | 2467 |
| PAYCHEX INC | COM | 704326107 |  | 408306 | 2807 | SH |  | SOLE |  | 0 | 0 | 2807 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 |  | 8979168 | 97409 | SH |  | SOLE |  | 0 | 0 | 97409 |
| PIMCO ETF TR | INV GRD CRP BD | 72201R817 |  | 1315339 | 13517 | SH |  | SOLE |  | 0 | 0 | 13517 |
| PIMCO ETF TR | ENHNCD LW DUR AC | 72201R718 |  | 8979540 | 93703 | SH |  | SOLE |  | 0 | 0 | 93703 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 919061 | 5769 | SH |  | SOLE |  | 0 | 0 | 5769 |
| PROGRESSIVE CORP | COM | 743315103 |  | 278130 | 1042 | SH |  | SOLE |  | 0 | 0 | 1042 |
| PROSHARES TR | PSHS ULTRA QQQ | 74347R206 |  | 9283670 | 78869 | SH |  | SOLE |  | 0 | 0 | 78869 |
| PROSHARES TR | PSHS ULTSH 20YRS | 74347B201 |  | 6242626 | 177954 | SH |  | SOLE |  | 0 | 0 | 177954 |
| PROSHARES TR | PSHS ULT S 500 | 74347R107 |  | 3139939 | 32132 | SH |  | SOLE |  | 0 | 0 | 32132 |
| PROSHARES TR | SHORT S 500 NE | 74349Y753 |  | 12285444 | 309613 | SH |  | SOLE |  | 0 | 0 | 309613 |
| QUALCOMM INC | COM | 747525103 |  | 454792 | 2856 | SH |  | SOLE |  | 0 | 0 | 2856 |
| RTX CORPORATION | COM | 75513E101 |  | 367695 | 2518 | SH |  | SOLE |  | 0 | 0 | 2518 |
| S GLOBAL INC | COM | 78409V104 |  | 1225422 | 2324 | SH |  | SOLE |  | 0 | 0 | 2324 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 15650045 | 590568 | SH |  | SOLE |  | 0 | 0 | 590568 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 1995974 | 74812 | SH |  | SOLE |  | 0 | 0 | 74812 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 17711790 | 724705 | SH |  | SOLE |  | 0 | 0 | 724705 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 7754315 | 350874 | SH |  | SOLE |  | 0 | 0 | 350874 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 15562923 | 554828 | SH |  | SOLE |  | 0 | 0 | 554828 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US B | 808524789 |  | 2043696 | 85225 | SH |  | SOLE |  | 0 | 0 | 85225 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 2347447 | 95658 | SH |  | SOLE |  | 0 | 0 | 95658 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524748 |  | 501530 | 11927 | SH |  | SOLE |  | 0 | 0 | 11927 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 313670 | 13497 | SH |  | SOLE |  | 0 | 0 | 13497 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 14569614 | 575874 | SH |  | SOLE |  | 0 | 0 | 575874 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 23343866 | 979600 | SH |  | SOLE |  | 0 | 0 | 979600 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL EMER | 808524730 |  | 1395366 | 42271 | SH |  | SOLE |  | 0 | 0 | 42271 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 332998 | 3926 | SH |  | SOLE |  | 0 | 0 | 3926 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 203485 | 3886 | SH |  | SOLE |  | 0 | 0 | 3886 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 257230 | 2230 | SH |  | SOLE |  | 0 | 0 | 2230 |
| SOUTHERN CO | COM | 842587107 |  | 799288 | 8704 | SH |  | SOLE |  | 0 | 0 | 8704 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 18467821 | 60584 | SH |  | SOLE |  | 0 | 0 | 60584 |
| SPDR INDEX SHS FDS | MSCI EAFE FS ETF | 78470E106 |  | 652619 | 13780 | SH |  | SOLE |  | 0 | 0 | 13780 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 31828154 | 51514 | SH |  | SOLE |  | 0 | 0 | 51514 |
| SPDR SERIES TRUST | PORTFLI TIPS ETF | 78464A656 |  | 514301 | 19735 | SH |  | SOLE |  | 0 | 0 | 19735 |
| SPDR SERIES TRUST | SPDR S 500 ETF | 78468R796 |  | 1170652 | 22986 | SH |  | SOLE |  | 0 | 0 | 22986 |
| SPDR SERIES TRUST | NUVEEN ICE MUNIC | 78468R721 |  | 1978479 | 44291 | SH |  | SOLE |  | 0 | 0 | 44291 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 |  | 8566635 | 63115 | SH |  | SOLE |  | 0 | 0 | 63115 |
| SPDR SERIES TRUST | BBG CONV SEC ETF | 78464A359 |  | 2494927 | 30183 | SH |  | SOLE |  | 0 | 0 | 30183 |
| SPDR SERIES TRUST | BLOOMBERG INVT | 78468R200 |  | 2254351 | 73122 | SH |  | SOLE |  | 0 | 0 | 73122 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 297303 | 3119 | SH |  | SOLE |  | 0 | 0 | 3119 |
| SPDR SERIES TRUST | PORTFOLIO LN TSR | 78464A664 |  | 1073832 | 40400 | SH |  | SOLE |  | 0 | 0 | 40400 |
| TESLA INC | COM | 88160R101 |  | 696858 | 2194 | SH |  | SOLE |  | 0 | 0 | 2194 |
| TEXAS INSTRS INC | COM | 882508104 |  | 477941 | 2302 | SH |  | SOLE |  | 0 | 0 | 2302 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 294062 | 672 | SH |  | SOLE |  | 0 | 0 | 672 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 505383 | 1889 | SH |  | SOLE |  | 0 | 0 | 1889 |
| UNION PAC CORP | COM | 907818108 |  | 282944 | 1230 | SH |  | SOLE |  | 0 | 0 | 1230 |
| VALERO ENERGY CORP | COM | 91913Y100 |  | 421239 | 3134 | SH |  | SOLE |  | 0 | 0 | 3134 |
| VANGUARD ADMIRAL FDS INC | 500 VAL IDX FD | 921932703 |  | 202675 | 1074 | SH |  | SOLE |  | 0 | 0 | 1074 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 2244635 | 45337 | SH |  | SOLE |  | 0 | 0 | 45337 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1842648 | 10426 | SH |  | SOLE |  | 0 | 0 | 10426 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 13953607 | 49865 | SH |  | SOLE |  | 0 | 0 | 49865 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 520467 | 1187 | SH |  | SOLE |  | 0 | 0 | 1187 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 4005545 | 7052 | SH |  | SOLE |  | 0 | 0 | 7052 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 12215770 | 51548 | SH |  | SOLE |  | 0 | 0 | 51548 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1483284 | 4880 | SH |  | SOLE |  | 0 | 0 | 4880 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 6494234 | 72920 | SH |  | SOLE |  | 0 | 0 | 72920 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1096528 | 22170 | SH |  | SOLE |  | 0 | 0 | 22170 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 504184 | 3923 | SH |  | SOLE |  | 0 | 0 | 3923 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 509216 | 7575 | SH |  | SOLE |  | 0 | 0 | 7575 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 419648 | 8559 | SH |  | SOLE |  | 0 | 0 | 8559 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 347222 | 1696 | SH |  | SOLE |  | 0 | 0 | 1696 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 4931812 | 86508 | SH |  | SOLE |  | 0 | 0 | 86508 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 1062850 | 9694 | SH |  | SOLE |  | 0 | 0 | 9694 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 261996 | 395 | SH |  | SOLE |  | 0 | 0 | 395 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 4133609 | 23419 | SH |  | SOLE |  | 0 | 0 | 23419 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 653439 | 15101 | SH |  | SOLE |  | 0 | 0 | 15101 |
| VISA INC | COM CL A | 92826C839 |  | 1394251 | 3927 | SH |  | SOLE |  | 0 | 0 | 3927 |
| WALMART INC | COM | 931142103 |  | 307808 | 3148 | SH |  | SOLE |  | 0 | 0 | 3148 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 276062 | 1206 | SH |  | SOLE |  | 0 | 0 | 1206 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 |  | 25142304 | 499748 | SH |  | SOLE |  | 0 | 0 | 499748 |

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