# EDGAR Filing Document

**Accession Number:** 0001942341
**File Stem:** 0001942341-26-000003
**Filing Date:** 2026-5
**Character Count:** 18902
**Document Hash:** 709b02459fdbc8d242b5306bc2b828d2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001942341-26-000003.hdr.sgml**: 20260515

**ACCESSION NUMBER**: 0001942341-26-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260515

**DATE AS OF CHANGE**: 20260515

**EFFECTIVENESS DATE**: 20260515

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Vertex Planning Partners, LLC
- **CENTRAL INDEX KEY:** 0001942341

**ORGANIZATION NAME:**
- **EIN:** 810781488
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22820
- **FILM NUMBER:** 26983810

**BUSINESS ADDRESS:**
- **STREET 1:** 3000 WOODCREEK DRIVE
- **STREET 2:** SUITE 100
- **CITY:** DOWNERS GROVE
- **STATE:** IL
- **ZIP:** 60515
- **BUSINESS PHONE:** 630-836-3300

**MAIL ADDRESS:**
- **STREET 1:** 3000 WOODCREEK DRIVE
- **STREET 2:** SUITE 100
- **CITY:** DOWNERS GROVE
- **STATE:** IL
- **ZIP:** 60515

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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:** Vertex Planning Partners LLC<br>**Address:** 3000 WOODCREEK DRIVE<br>SUITE 100<br>DOWNERS GROVE, IL 60515

**Form 13F File Number:** 028-22820

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:** NICOLE GOFF<br>**Title:** Compliance Ops Sr. Consultant<br>**Phone:** 5136876203

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

NICOLE GOFF  Cincinnati, OH  05-15-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[ ] **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).)

[x] **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:** 135

**Form 13F Information Table Value Total:** $514877175

      (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.]

|   No. | Name                                | Form 13F File Number   | CRD Number   | SEC File Number   |
|---:|:---|:---|:---|:---|
|     1 | ALLIANCE BERNSTEIN L.P.             |  |  |  |
|     2 | BAHL  GAYNOR INC                    | 028-02825              |  |  |
|     3 | BRENTVIEW INVESTMENT MANAGEMENT LLC |  |  |  |
|     4 | CAPITAL GROUP                       | 028-00218              |  |  |
|     5 | CLEARBRIDGE INVESTMENTS             | 028-11611              |  |  |
|     6 | FEDERATED HERMES INC.               | 028-04375              |  |  |
|     7 | KAYNE ANDERSON CAPITAL ADVISORS LP  | 028-05066              |  |  |
|     8 | LAZARD ASSET MANAGEMENT LLC         | 028-10469              |  |  |
|     9 | NATIXIS ADVISORS L.P                | 028-05788              |  |  |
|    10 | NUVEEN ASSET MANAGEMENT             | 028-14498              |  |  |
|    11 | TODD ASSET MANAGEMENT LLC           | 028-04171              |  |  |
|    12 | TRILLIUM ASSET MANAGEMENT LLC       | 028-03125              |  |  |
|    13 | ZACKS INVESTMENT MANAGEMENT         | 028-01374              |  |  |
|    14 | Vestmark Advisory Solutions         |  |  |  |
|    15 | AQR Capital Management LLC          |  |  |  |

### 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 |
| FIRST TR EXCHANGE TRADED FD | INDXX INOVTV ETF | 33741X201 |  | 202174 | 3500 | SH |  | SOLE |  | 0 | 0 | 3500 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 202901 | 1495 | SH |  | SOLE |  | 0 | 0 | 1495 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 205154 | 893 | SH |  | SOLE |  | 0 | 0 | 893 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A359 |  | 207757 | 2270 | SH |  | SOLE |  | 0 | 0 | 2270 |
| SELECT SECTOR SPDR TR | STATE STREET ENE | 81369Y506 |  | 207855 | 3393 | SH |  | SOLE |  | 0 | 0 | 3393 |
| VANGUARD WORLD FD | INDUSTRIAL ETF | 92204A603 |  | 209187 | 670 | SH |  | SOLE |  | 0 | 0 | 670 |
| SALESFORCE INC | COM | 79466L302 |  | 214695 | 1150 | SH |  | SOLE |  | 0 | 0 | 1150 |
| BROADCOM INC | COM | 11135F101 |  | 218305 | 705 | SH |  | SOLE |  | 0 | 0 | 705 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 224266 | 468 | SH |  | SOLE |  | 0 | 0 | 468 |
| WISDOMTREE TR | US LARGECAP DIVD | 97717W307 |  | 226129 | 2531 | SH |  | SOLE |  | 0 | 0 | 2531 |
| BLACKROCK ETF TRUST | ISHARES US CARBO | 09290C509 |  | 227455 | 3243 | SH |  | SOLE |  | 0 | 0 | 3243 |
| CAPITAL GROUP GBL GROWTH EQT | SHS CREATION UNI | 14020X104 |  | 229385 | 6874 | SH |  | SOLE |  | 0 | 0 | 6874 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 229916 | 4542 | SH |  | SOLE |  | 0 | 0 | 4542 |
| AMGEN INC | COM | 031162100 |  | 230669 | 656 | SH |  | SOLE |  | 0 | 0 | 656 |
| CISCO SYS INC | COM | 17275R102 |  | 237193 | 3057 | SH |  | SOLE |  | 0 | 0 | 3057 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 240897 | 3651 | SH |  | SOLE |  | 0 | 0 | 3651 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 241126 | 6205 | SH |  | SOLE |  | 0 | 0 | 6205 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 242086 | 2207 | SH |  | SOLE |  | 0 | 0 | 2207 |
| ISHARES TR | CORE MSCI EURO | 46434V738 |  | 280237 | 3988 | SH |  | SOLE |  | 0 | 0 | 3988 |
| NEW YORK LIFE INVTS ACTIVE E | NYLI MACKAY MUN | 45409F827 |  | 281667 | 11685 | SH |  | SOLE |  | 0 | 0 | 11685 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A664 |  | 288610 | 10974 | SH |  | SOLE |  | 0 | 0 | 10974 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 297972 | 2107 | SH |  | SOLE |  | 0 | 0 | 2107 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 298510 | 8816 | SH |  | SOLE |  | 0 | 0 | 8816 |
| META PLATFORMS INC | CL A | 30303M102 |  | 303801 | 531 | SH |  | SOLE |  | 0 | 0 | 531 |
| INVESCO EXCH TRADED FD TR II | RAFI DVLPD MRKTS | 46138E743 |  | 305167 | 4366 | SH |  | SOLE |  | 0 | 0 | 4366 |
| PARSONS CORP DEL | COM | 70202L102 |  | 305248 | 5635 | SH |  | SOLE |  | 0 | 0 | 5635 |
| ATT INC | COM | 00206R102 |  | 305787 | 10548 | SH |  | SOLE |  | 0 | 0 | 10548 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 306342 | 7863 | SH |  | SOLE |  | 0 | 0 | 7863 |
| ORACLE CORP | COM | 68389X105 |  | 313393 | 2130 | SH |  | SOLE |  | 0 | 0 | 2130 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 313749 | 3378 | SH |  | SOLE |  | 0 | 0 | 3378 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1500 | 46137V597 |  | 323033 | 7042 | SH |  | SOLE |  | 0 | 0 | 7042 |
| WISDOMTREE TR | GLB HIGH DIV FD | 97717W877 |  | 333925 | 5034 | SH |  | SOLE |  | 0 | 0 | 5034 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A847 |  | 337672 | 5702 | SH |  | SOLE |  | 0 | 0 | 5702 |
| BLACKSTONE INC | COM | 09260D107 |  | 339910 | 2956 | SH |  | SOLE |  | 0 | 0 | 2956 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 341846 | 490 | SH |  | SOLE |  | 0 | 0 | 490 |
| CARDINAL HEALTH INC | COM | 14149Y108 |  | 342762 | 1622 | SH |  | SOLE |  | 0 | 0 | 1622 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 354962 | 770 | SH |  | SOLE |  | 0 | 0 | 770 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X509 |  | 363672 | 7753 | SH |  | SOLE |  | 0 | 0 | 7753 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 |  | 365580 | 2505 | SH |  | SOLE |  | 0 | 0 | 2505 |
| BLACKROCK ETF TRUST | DISCIPLINED VOLA | 09290C715 |  | 371845 | 15085 | SH |  | SOLE |  | 0 | 0 | 15085 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R853 |  | 379535 | 7855 | SH |  | SOLE |  | 0 | 0 | 7855 |
| GLOBAL X FDS | NASDAQ 100 COVER | 37954Y483 |  | 382910 | 22327 | SH |  | SOLE |  | 0 | 0 | 22327 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 385966 | 1007 | SH |  | SOLE |  | 0 | 0 | 1007 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 387526 | 1423 | SH |  | SOLE |  | 0 | 0 | 1423 |
| T ROWE PRICE ETF INC | GROWTH ETF | 87283Q842 |  | 388316 | 9878 | SH |  | SOLE |  | 0 | 0 | 9878 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 403177 | 6456 | SH |  | SOLE |  | 0 | 0 | 6456 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R721 |  | 403345 | 8896 | SH |  | SOLE |  | 0 | 0 | 8896 |
| MCKESSON CORP | COM | 58155Q103 |  | 407585 | 471 | SH |  | SOLE |  | 0 | 0 | 471 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 415106 | 8241 | SH |  | SOLE |  | 0 | 0 | 8241 |
| ETF SER SOLUTIONS | BAHL  GAYNOR IN | 26922B527 |  | 429427 | 12911 | SH |  | SOLE |  | 0 | 0 | 12911 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 432845 | 3044 | SH |  | SOLE |  | 0 | 0 | 3044 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 |  | 437951 | 1950 | SH |  | SOLE |  | 0 | 0 | 1950 |
| ABRDN PRECIOUS METALS BASKET | PHYSCL PRECS MET | 003263100 |  | 439190 | 2008 | SH |  | SOLE |  | 0 | 0 | 2008 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 441455 | 2602 | SH |  | SOLE |  | 0 | 0 | 2602 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 446196 | 5150 | SH |  | SOLE |  | 0 | 0 | 5150 |
| MAIN STR CAP CORP | COM | 56035L104 |  | 454562 | 8583 | SH |  | SOLE |  | 0 | 0 | 8583 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 458314 | 2311 | SH |  | SOLE |  | 0 | 0 | 2311 |
| WISDOMTREE TR | US MIDCAP DIVID | 97717W505 |  | 477200 | 9083 | SH |  | SOLE |  | 0 | 0 | 9083 |
| ISHARES U S ETF TR | SHORT MATURITY M | 46431W838 |  | 482023 | 9575 | SH |  | SOLE |  | 0 | 0 | 9575 |
| PIMCO ETF TR | 15 US TIP IDX | 72201R205 |  | 485931 | 8981 | SH |  | SOLE |  | 0 | 0 | 8981 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 497030 | 9901 | SH |  | SOLE |  | 0 | 0 | 9901 |
| WISDOMTREE TR | ITL HIGH DIV FD | 97717W802 |  | 504522 | 9327 | SH |  | SOLE |  | 0 | 0 | 9327 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 515369 | 10439 | SH |  | SOLE |  | 0 | 0 | 10439 |
| STATE STR SPDR SP MIDCAP 40 | UTSER1 SPDCRP | 78467Y107 |  | 549659 | 891 | SH |  | SOLE |  | 0 | 0 | 891 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 575756 | 3927 | SH |  | SOLE |  | 0 | 0 | 3927 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 575937 | 578 | SH |  | SOLE |  | 0 | 0 | 578 |
| PGIM ETF TR | AAA CLO ETF | 69344A834 |  | 600444 | 11732 | SH |  | SOLE |  | 0 | 0 | 11732 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 608189 | 6558 | SH |  | SOLE |  | 0 | 0 | 6558 |
| ISHARES TR | SYSTEMATIC BD ET | 46435U796 |  | 706838 | 7942 | SH |  | SOLE |  | 0 | 0 | 7942 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 724656 | 4155 | SH |  | SOLE |  | 0 | 0 | 4155 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 746191 | 2601 | SH |  | SOLE |  | 0 | 0 | 2601 |
| T ROWE PRICE ETF INC | INTERNATIONAL EQ | 87283Q834 |  | 749035 | 21686 | SH |  | SOLE |  | 0 | 0 | 21686 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A805 |  | 770529 | 9746 | SH |  | SOLE |  | 0 | 0 | 9746 |
| BP PLC | SPONSORED ADR | 055622104 |  | 785558 | 16714 | SH |  | SOLE |  | 0 | 0 | 16714 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 807468 | 2808 | SH |  | SOLE |  | 0 | 0 | 2808 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 849552 | 13580 | SH |  | SOLE |  | 0 | 0 | 13580 |
| INVESCO EXCHANGE TRADED FD T | SP 500 TOP 50 | 46137V233 |  | 871365 | 15974 | SH |  | SOLE |  | 0 | 0 | 15974 |
| BLACKROCK ETF TRUST | DYNAMIC EQTY ACT | 09290C723 |  | 890378 | 36626 | SH |  | SOLE |  | 0 | 0 | 36626 |
| JPMORGAN CHASE CO | COM | 46625H100 |  | 913073 | 3104 | SH |  | SOLE |  | 0 | 0 | 3104 |
| SELECT SECTOR SPDR TR | STATE STREET IND | 81369Y704 |  | 953560 | 5896 | SH |  | SOLE |  | 0 | 0 | 5896 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 999621 | 14331 | SH |  | SOLE |  | 0 | 0 | 14331 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1049277 | 11590 | SH |  | SOLE |  | 0 | 0 | 11590 |
| INVESCO EXCHANGE TRADED FD T | SP500 PUR GWT | 46137V266 |  | 1103438 | 23608 | SH |  | SOLE |  | 0 | 0 | 23608 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 1138417 | 25231 | SH |  | SOLE |  | 0 | 0 | 25231 |
| ABBOTT LABORATORIES | COM | 002824100 |  | 1226188 | 11943 | SH |  | SOLE |  | 0 | 0 | 11943 |
| INVESCO EXCH TRADED FD TR II | SP INTL QULTY | 46138G888 |  | 1324903 | 37458 | SH |  | SOLE |  | 0 | 0 | 37458 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 1349820 | 3137 | SH |  | SOLE |  | 0 | 0 | 3137 |
| ISHARES TR | 05 YR TIPS ETF | 46429B747 |  | 1351416 | 13066 | SH |  | SOLE |  | 0 | 0 | 13066 |
| INVESCO EXCHANGE TRADED FD T | SP500 EQL WGT | 46137V357 |  | 1449453 | 7552 | SH |  | SOLE |  | 0 | 0 | 7552 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 1534474 | 11546 | SH |  | SOLE |  | 0 | 0 | 11546 |
| BONDBLOXX ETF TRUST | BLOOMBERG TEN YR | 09789C812 |  | 1741534 | 37975 | SH |  | SOLE |  | 0 | 0 | 37975 |
| CME GROUP INC | COM | 12572Q105 |  | 2012810 | 6815 | SH |  | SOLE |  | 0 | 0 | 6815 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 2077375 | 22412 | SH |  | SOLE |  | 0 | 0 | 22412 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A672 |  | 2214067 | 77253 | SH |  | SOLE |  | 0 | 0 | 77253 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R523 |  | 2265939 | 22787 | SH |  | SOLE |  | 0 | 0 | 22787 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 2391450 | 45822 | SH |  | SOLE |  | 0 | 0 | 45822 |
| BLACKROCK ETF TRUST II | SHORT DURATION H | 092528108 |  | 2572883 | 116843 | SH |  | SOLE |  | 0 | 0 | 116843 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 2748927 | 54935 | SH |  | SOLE |  | 0 | 0 | 54935 |
| NEW YORK LIFE INVTS ACTIVE E | NYLI MACKAY MUNI | 45409F843 |  | 2767076 | 116705 | SH |  | SOLE |  | 0 | 0 | 116705 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 2812798 | 122776 | SH |  | SOLE |  | 0 | 0 | 122776 |
| ABBVIE INC | COM | 00287Y109 |  | 3081181 | 14167 | SH |  | SOLE |  | 0 | 0 | 14167 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A383 |  | 3107407 | 138786 | SH |  | SOLE |  | 0 | 0 | 138786 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 3156930 | 55796 | SH |  | SOLE |  | 0 | 0 | 55796 |
| PROFESIONALLY MANAGED PORTFO | AKRE FOCUS ETF | 74316P579 |  | 3376217 | 63883 | SH |  | SOLE |  | 0 | 0 | 63883 |
| BLACKROCK ETF TRUST | ISHARES LARGE CA | 09290C855 |  | 3393486 | 82647 | SH |  | SOLE |  | 0 | 0 | 82647 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 3527843 | 18392 | SH |  | SOLE |  | 0 | 0 | 18392 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 3687326 | 46877 | SH |  | SOLE |  | 0 | 0 | 46877 |
| GLOBAL X FDS | DEFENSE TECH ETF | 37960A529 |  | 3790445 | 53507 | SH |  | SOLE |  | 0 | 0 | 53507 |
| COLUMBIA ETF TR II | EM CORE EX ETF | 19762B202 |  | 3810174 | 93364 | SH |  | SOLE |  | 0 | 0 | 93364 |
| BANK MONTREAL MEDIUM | COM | 063671101 |  | 4325280 | 31959 | SH |  | SOLE |  | 0 | 0 | 31959 |
| BLACKROCK ETF TRUST | ISHARES US THEMA | 09290C806 |  | 4895671 | 135165 | SH |  | SOLE |  | 0 | 0 | 135165 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A649 |  | 4974424 | 194162 | SH |  | SOLE |  | 0 | 0 | 194162 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X889 |  | 5001449 | 109561 | SH |  | SOLE |  | 0 | 0 | 109561 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 5008034 | 54649 | SH |  | SOLE |  | 0 | 0 | 54649 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 5073975 | 62968 | SH |  | SOLE |  | 0 | 0 | 62968 |
| INVESCO EXCH TRADED FD TR II | SP 500 MOMNTM | 46138E339 |  | 5093649 | 45434 | SH |  | SOLE |  | 0 | 0 | 45434 |
| BLACKROCK ETF TRUST | ISHARES A I INNO | 09290C780 |  | 5217465 | 158345 | SH |  | SOLE |  | 0 | 0 | 158345 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 |  | 5869506 | 127073 | SH |  | SOLE |  | 0 | 0 | 127073 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 6760395 | 80895 | SH |  | SOLE |  | 0 | 0 | 80895 |
| ISHARES INC | CUR HD MSCI EM | 46434G509 |  | 6840057 | 185267 | SH |  | SOLE |  | 0 | 0 | 185267 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 7715835 | 148581 | SH |  | SOLE |  | 0 | 0 | 148581 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 7973272 | 156400 | SH |  | SOLE |  | 0 | 0 | 156400 |
| WISDOMTREE TR | US TOTAL DIVIDND | 97717W109 |  | 8636181 | 100002 | SH |  | SOLE |  | 0 | 0 | 100002 |
| PGIM ETF TR | PGIM ULTRA SH BD | 69344A107 |  | 9462387 | 191159 | SH |  | SOLE |  | 0 | 0 | 191159 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 10920070 | 256973 | SH |  | SOLE |  | 0 | 0 | 256973 |
| J P MORGAN EXCHANGE TRADED F | U S TECH LEADERS | 46654Q732 |  | 12504086 | 157205 | SH |  | SOLE |  | 0 | 0 | 157205 |
| STATE STR SPDR SP 500 ETF T | TR UNIT | 78462F103 |  | 13535302 | 20813 | SH |  | SOLE |  | 0 | 0 | 20813 |
| BLACKROCK ETF TRUST | ISHARES INTL DIV | 09290C848 |  | 15210317 | 535009 | SH |  | SOLE |  | 0 | 0 | 535009 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 16149470 | 164942 | SH |  | SOLE |  | 0 | 0 | 164942 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 22164878 | 380971 | SH |  | SOLE |  | 0 | 0 | 380971 |
| APPLE INC | COM | 037833100 |  | 22251064 | 87675 | SH |  | SOLE |  | 0 | 0 | 87675 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 38090518 | 621176 | SH |  | SOLE |  | 0 | 0 | 621176 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 |  | 45008726 | 894095 | SH |  | SOLE |  | 0 | 0 | 894095 |
| ISHARES TR | TRS FLT RT BD | 46434V860 |  | 52595417 | 1038819 | SH |  | SOLE |  | 0 | 0 | 1038819 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 72730363 | 950227 | SH |  | SOLE |  | 0 | 0 | 950227 |

---