# EDGAR Filing Document

**Accession Number:** 0001787663
**File Stem:** 0002085853-25-000043
**Filing Date:** 2025-10
**Character Count:** 22890
**Document Hash:** 94958851af9e6dc1a20767dd231e104f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002085853-25-000043.hdr.sgml**: 20251009

**ACCESSION NUMBER**: 0002085853-25-000043

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251009

**DATE AS OF CHANGE**: 20251009

**EFFECTIVENESS DATE**: 20251009

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RIVERSEDGE ADVISORS, LLC
- **CENTRAL INDEX KEY:** 0001787663

**ORGANIZATION NAME:**
- **EIN:** 831516530
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19585
- **FILM NUMBER:** 251383699

**BUSINESS ADDRESS:**
- **STREET 1:** 600 N KING STREET, STE. 200
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 302-560-3350

**MAIL ADDRESS:**
- **STREET 1:** 600 N KING STREET, STE. 200
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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:** RIVERSEDGE ADVISORS LLC<br>**Address:** 600 N King Street Ste. 200<br>Wilmington, DE 19801

**Form 13F File Number:** 028-19585

**CRD Number (if applicable):** 000298390

**SEC File Number (if applicable):** 801-113978

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:** Jarrett F. Morris<br>**Title:** Chief Compliance Officer<br>**Phone:** 302-573-6864

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

/s/ Jarret F. Morris  Wilmington, DE  10-09-2025<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:** 198

**Form 13F Information Table Value Total:** $596685776

      (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 |  | 502822 | 3754 | SH |  | SOLE |  | 0 | 0 | 3754 |
| ABBVIE INC | COM | 00287Y109 |  | 1048572 | 4529 | SH |  | SOLE |  | 0 | 0 | 4529 |
| ADOBE INC | COM | 00724F101 |  | 526303 | 1492 | SH |  | SOLE |  | 0 | 0 | 1492 |
| ADT INC DEL | COM | 00090Q103 |  | 178024 | 20439 | SH |  | SOLE |  | 0 | 0 | 20439 |
| AIRBNB INC | COM CL A | 009066101 |  | 241626 | 1990 | SH |  | SOLE |  | 0 | 0 | 1990 |
| ALIBABA GROUP HLDG LTD | SPONSORED ADS | 01609W102 |  | 714920 | 4000 | SH |  | SOLE |  | 0 | 0 | 4000 |
| ALNYLAM PHARMACEUTICALS INC | COM | 02043Q107 |  | 214776 | 471 | SH |  | SOLE |  | 0 | 0 | 471 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 2879699 | 11846 | SH |  | SOLE |  | 0 | 0 | 11846 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 2128811 | 8741 | SH |  | SOLE |  | 0 | 0 | 8741 |
| AMAZON COM INC | COM | 023135106 |  | 2685418 | 12230 | SH |  | SOLE |  | 0 | 0 | 12230 |
| AMBEV SA | SPONSORED ADR | 02319V103 |  | 39681 | 17794 | SH |  | SOLE |  | 0 | 0 | 17794 |
| AMETEK INC | COM | 031100100 |  | 290555 | 1546 | SH |  | SOLE |  | 0 | 0 | 1546 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 339199 | 2741 | SH |  | SOLE |  | 0 | 0 | 2741 |
| APPLE INC | COM | 037833100 |  | 23484487 | 92230 | SH |  | SOLE |  | 0 | 0 | 92230 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 253390 | 1739 | SH |  | SOLE |  | 0 | 0 | 1739 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 409502 | 423 | SH |  | SOLE |  | 0 | 0 | 423 |
| ASTRAZENECA PLC | SPONSORED ADR | 046353108 |  | 374394 | 4880 | SH |  | SOLE |  | 0 | 0 | 4880 |
| AT INC | COM | 00206R102 |  | 410971 | 14553 | SH |  | SOLE |  | 0 | 0 | 14553 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 308235 | 1050 | SH |  | SOLE |  | 0 | 0 | 1050 |
| AUTOZONE INC | COM | 053332102 |  | 261705 | 61 | SH |  | SOLE |  | 0 | 0 | 61 |
| BANCO BILBAO VIZCAYA ARGENTA | SPONSORED ADR | 05946K101 |  | 211307 | 10977 | SH |  | SOLE |  | 0 | 0 | 10977 |
| BANCO BRADESCO S A | SP ADR PFD NEW | 059460303 |  | 99284 | 29374 | SH |  | SOLE |  | 0 | 0 | 29374 |
| BANCO SANTANDER S.A. | ADR | 05964H105 |  | 298041 | 28439 | SH |  | SOLE |  | 0 | 0 | 28439 |
| BANK AMERICA CORP | COM | 060505104 |  | 642058 | 12445 | SH |  | SOLE |  | 0 | 0 | 12445 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 262594 | 2410 | SH |  | SOLE |  | 0 | 0 | 2410 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1420743 | 2826 | SH |  | SOLE |  | 0 | 0 | 2826 |
| BEST BUY INC | COM | 086516101 |  | 202359 | 2676 | SH |  | SOLE |  | 0 | 0 | 2676 |
| BITWISE BITCOIN ETF TR | SHS BEN INT | 09174C104 |  | 328646 | 5282 | SH |  | SOLE |  | 0 | 0 | 5282 |
| BLACKROCK INC | COM | 09290D101 |  | 228220 | 196 | SH |  | SOLE |  | 0 | 0 | 196 |
| BLACKSTONE INC | COM | 09260D107 |  | 323542 | 1894 | SH |  | SOLE |  | 0 | 0 | 1894 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 237568 | 44 | SH |  | SOLE |  | 0 | 0 | 44 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 368512 | 8171 | SH |  | SOLE |  | 0 | 0 | 8171 |
| BROADCOM INC | COM | 11135F101 |  | 1775594 | 5382 | SH |  | SOLE |  | 0 | 0 | 5382 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 551858 | 2596 | SH |  | SOLE |  | 0 | 0 | 2596 |
| CHEVRON CORP NEW | COM | 166764100 |  | 710182 | 4573 | SH |  | SOLE |  | 0 | 0 | 4573 |
| CHUBB LIMITED | COM | H1467J104 |  | 294669 | 1044 | SH |  | SOLE |  | 0 | 0 | 1044 |
| CITIGROUP INC | COM NEW | 172967424 |  | 520997 | 5133 | SH |  | SOLE |  | 0 | 0 | 5133 |
| COCA COLA CO | COM | 191216100 |  | 278778 | 4204 | SH |  | SOLE |  | 0 | 0 | 4204 |
| COMFORT SYS USA INC | COM | 199908104 |  | 216197 | 262 | SH |  | SOLE |  | 0 | 0 | 262 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 312139 | 949 | SH |  | SOLE |  | 0 | 0 | 949 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 982561 | 1062 | SH |  | SOLE |  | 0 | 0 | 1062 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 273142 | 557 | SH |  | SOLE |  | 0 | 0 | 557 |
| D R HORTON INC | COM | 23331A109 |  | 226581 | 1337 | SH |  | SOLE |  | 0 | 0 | 1337 |
| DEVON ENERGY CORP NEW | COM | 25179M103 |  | 411243 | 11730 | SH |  | SOLE |  | 0 | 0 | 11730 |
| EATON CORP PLC | SHS | G29183103 |  | 342439 | 915 | SH |  | SOLE |  | 0 | 0 | 915 |
| EBAY INC. | COM | 278642103 |  | 233378 | 2566 | SH |  | SOLE |  | 0 | 0 | 2566 |
| ELI LILLY  CO | COM | 532457108 |  | 360136 | 472 | SH |  | SOLE |  | 0 | 0 | 472 |
| EVEREST GROUP LTD | COM | G3223R108 |  | 237106 | 677 | SH |  | SOLE |  | 0 | 0 | 677 |
| EXPEDIA GROUP INC | COM NEW | 30212P303 |  | 476449 | 2229 | SH |  | SOLE |  | 0 | 0 | 2229 |
| EXTRA SPACE STORAGE INC | COM | 30225T102 |  | 203940 | 1447 | SH |  | SOLE |  | 0 | 0 | 1447 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 482487 | 4279 | SH |  | SOLE |  | 0 | 0 | 4279 |
| FEDEX CORP | COM | 31428X106 |  | 256854 | 1089 | SH |  | SOLE |  | 0 | 0 | 1089 |
| FOX CORP | CL A COM | 35137L105 |  | 249276 | 3953 | SH |  | SOLE |  | 0 | 0 | 3953 |
| GE AEROSPACE | COM NEW | 369604301 |  | 413960 | 1376 | SH |  | SOLE |  | 0 | 0 | 1376 |
| GE VERNOVA INC | COM | 36828A101 |  | 303146 | 493 | SH |  | SOLE |  | 0 | 0 | 493 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 350360 | 1027 | SH |  | SOLE |  | 0 | 0 | 1027 |
| GENERAL MTRS CO | COM | 37045V100 |  | 204006 | 3346 | SH |  | SOLE |  | 0 | 0 | 3346 |
| GENUINE PARTS CO | COM | 372460105 |  | 233957 | 1688 | SH |  | SOLE |  | 0 | 0 | 1688 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 375567 | 472 | SH |  | SOLE |  | 0 | 0 | 472 |
| GRAYSCALE BITCOIN MINI TR ET | SHS NEW | 389930207 |  | 11456961 | 226288 | SH |  | SOLE |  | 0 | 0 | 226288 |
| GRAYSCALE ETHEREUM MINI TR E | SHS NEW | 38964R203 |  | 1420275 | 36250 | SH |  | SOLE |  | 0 | 0 | 36250 |
| HARTFORD INSURANCE GROUP INC | COM | 416515104 |  | 307731 | 2307 | SH |  | SOLE |  | 0 | 0 | 2307 |
| HCA HEALTHCARE INC | COM | 40412C101 |  | 291947 | 685 | SH |  | SOLE |  | 0 | 0 | 685 |
| HDFC BANK LTD | SPONSORED ADS | 40415F101 |  | 212407 | 6218 | SH |  | SOLE |  | 0 | 0 | 6218 |
| HOME DEPOT INC | COM | 437076102 |  | 621979 | 1535 | SH |  | SOLE |  | 0 | 0 | 1535 |
| HSBC HLDGS PLC | SPON ADR NEW | 404280406 |  | 512831 | 7225 | SH |  | SOLE |  | 0 | 0 | 7225 |
| HURON CONSULTING GROUP INC | COM | 447462102 |  | 327884 | 2234 | SH |  | SOLE |  | 0 | 0 | 2234 |
| ICICI BANK LIMITED | ADR | 45104G104 |  | 221072 | 7313 | SH |  | SOLE |  | 0 | 0 | 7313 |
| INTEL CORP | COM | 458140100 |  | 379020 | 11297 | SH |  | SOLE |  | 0 | 0 | 11297 |
| INTUIT | COM | 461202103 |  | 269245 | 394 | SH |  | SOLE |  | 0 | 0 | 394 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 395351 | 884 | SH |  | SOLE |  | 0 | 0 | 884 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 26023892 | 137184 | SH |  | SOLE |  | 0 | 0 | 137184 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 3441555 | 52947 | SH |  | SOLE |  | 0 | 0 | 52947 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 336659 | 5107 | SH |  | SOLE |  | 0 | 0 | 5107 |
| ISHARES INC | MSCI GBL GOLD MN | 46434G855 |  | 246545 | 3810 | SH |  | SOLE |  | 0 | 0 | 3810 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 51086328 | 637225 | SH |  | SOLE |  | 0 | 0 | 637225 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 1586645 | 13143 | SH |  | SOLE |  | 0 | 0 | 13143 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2309586 | 3451 | SH |  | SOLE |  | 0 | 0 | 3451 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 18929691 | 216810 | SH |  | SOLE |  | 0 | 0 | 216810 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 376742 | 804 | SH |  | SOLE |  | 0 | 0 | 804 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 479697 | 4492 | SH |  | SOLE |  | 0 | 0 | 4492 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 301136 | 3225 | SH |  | SOLE |  | 0 | 0 | 3225 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 1137778 | 3555 | SH |  | SOLE |  | 0 | 0 | 3555 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 208393 | 1431 | SH |  | SOLE |  | 0 | 0 | 1431 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1696606 | 15932 | SH |  | SOLE |  | 0 | 0 | 15932 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 2964786 | 78475 | SH |  | SOLE |  | 0 | 0 | 78475 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 13743387 | 115656 | SH |  | SOLE |  | 0 | 0 | 115656 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 970761 | 5235 | SH |  | SOLE |  | 0 | 0 | 5235 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1299633 | 4120 | SH |  | SOLE |  | 0 | 0 | 4120 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 200775 | 7092 | SH |  | SOLE |  | 0 | 0 | 7092 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 289492 | 2162 | SH |  | SOLE |  | 0 | 0 | 2162 |
| LINCOLN ELEC HLDGS INC | COM | 533900106 |  | 466472 | 1978 | SH |  | SOLE |  | 0 | 0 | 1978 |
| LINDE PLC | SHS | G54950103 |  | 366700 | 772 | SH |  | SOLE |  | 0 | 0 | 772 |
| LLOYDS BANKING GROUP PLC | SPONSORED ADR | 539439109 |  | 126271 | 27813 | SH |  | SOLE |  | 0 | 0 | 27813 |
| LYFT INC | CL A COM | 55087P104 |  | 266915 | 12127 | SH |  | SOLE |  | 0 | 0 | 12127 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 290704 | 1116 | SH |  | SOLE |  | 0 | 0 | 1116 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 214629 | 1065 | SH |  | SOLE |  | 0 | 0 | 1065 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 587814 | 1033 | SH |  | SOLE |  | 0 | 0 | 1033 |
| MCDONALDS CORP | COM | 580135101 |  | 705054 | 2320 | SH |  | SOLE |  | 0 | 0 | 2320 |
| MEDPACE HLDGS INC | COM | 58506Q109 |  | 219032 | 426 | SH |  | SOLE |  | 0 | 0 | 426 |
| MERCK  CO INC | COM | 58933Y105 |  | 490072 | 5839 | SH |  | SOLE |  | 0 | 0 | 5839 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1932154 | 2631 | SH |  | SOLE |  | 0 | 0 | 2631 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 334975 | 2002 | SH |  | SOLE |  | 0 | 0 | 2002 |
| MICROSOFT CORP | COM | 594918104 |  | 5955497 | 11498 | SH |  | SOLE |  | 0 | 0 | 11498 |
| MITSUBISHI UFJ FINL GROUP IN | SPONSORED ADS | 606822104 |  | 299640 | 18798 | SH |  | SOLE |  | 0 | 0 | 18798 |
| MIZUHO FINANCIAL GROUP INC | SPONSORED ADR | 60687Y109 |  | 133142 | 19872 | SH |  | SOLE |  | 0 | 0 | 19872 |
| MOLINA HEALTHCARE INC | COM | 60855R100 |  | 210687 | 1101 | SH |  | SOLE |  | 0 | 0 | 1101 |
| MOODYS CORP | COM | 615369105 |  | 967731 | 2031 | SH |  | SOLE |  | 0 | 0 | 2031 |
| MUELLER INDS INC | COM | 624756102 |  | 327799 | 3242 | SH |  | SOLE |  | 0 | 0 | 3242 |
| NETFLIX INC | COM | 64110L106 |  | 552702 | 461 | SH |  | SOLE |  | 0 | 0 | 461 |
| NEWMONT CORP | COM | 651639106 |  | 240536 | 2853 | SH |  | SOLE |  | 0 | 0 | 2853 |
| NORTHERN TR CORP | COM | 665859104 |  | 234339 | 1741 | SH |  | SOLE |  | 0 | 0 | 1741 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 406521 | 3170 | SH |  | SOLE |  | 0 | 0 | 3170 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 6068668 | 32526 | SH |  | SOLE |  | 0 | 0 | 32526 |
| ORACLE CORP | COM | 68389X105 |  | 479513 | 1705 | SH |  | SOLE |  | 0 | 0 | 1705 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 396310 | 3676 | SH |  | SOLE |  | 0 | 0 | 3676 |
| OTIS WORLDWIDE CORP | COM | 68902V107 |  | 279935 | 3062 | SH |  | SOLE |  | 0 | 0 | 3062 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 4150785 | 22754 | SH |  | SOLE |  | 0 | 0 | 22754 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 261041 | 1282 | SH |  | SOLE |  | 0 | 0 | 1282 |
| PEPSICO INC | COM | 713448108 |  | 350713 | 2497 | SH |  | SOLE |  | 0 | 0 | 2497 |
| PG CORP | COM | 69331C108 |  | 254460 | 16874 | SH |  | SOLE |  | 0 | 0 | 16874 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 360202 | 2221 | SH |  | SOLE |  | 0 | 0 | 2221 |
| PHILLIPS 66 | COM | 718546104 |  | 211264 | 1553 | SH |  | SOLE |  | 0 | 0 | 1553 |
| PINNACLE FINL PARTNERS INC | COM | 72346Q104 |  | 221063 | 2357 | SH |  | SOLE |  | 0 | 0 | 2357 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 333544 | 1660 | SH |  | SOLE |  | 0 | 0 | 1660 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 548026 | 3567 | SH |  | SOLE |  | 0 | 0 | 3567 |
| PULTE GROUP INC | COM | 745867101 |  | 248801 | 1883 | SH |  | SOLE |  | 0 | 0 | 1883 |
| QUALCOMM INC | COM | 747525103 |  | 215075 | 1293 | SH |  | SOLE |  | 0 | 0 | 1293 |
| ROBLOX CORP | CL A | 771049103 |  | 383146 | 2766 | SH |  | SOLE |  | 0 | 0 | 2766 |
| ROYAL BK CDA | COM | 780087102 |  | 365501 | 2481 | SH |  | SOLE |  | 0 | 0 | 2481 |
| SALESFORCE INC | COM | 79466L302 |  | 242214 | 1022 | SH |  | SOLE |  | 0 | 0 | 1022 |
| SAP SE | SPON ADR | 803054204 |  | 382378 | 1431 | SH |  | SOLE |  | 0 | 0 | 1431 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 263306 | 2758 | SH |  | SOLE |  | 0 | 0 | 2758 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 11867705 | 450558 | SH |  | SOLE |  | 0 | 0 | 450558 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 2295447 | 78854 | SH |  | SOLE |  | 0 | 0 | 78854 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 4385640 | 157191 | SH |  | SOLE |  | 0 | 0 | 157191 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 314449 | 9423 | SH |  | SOLE |  | 0 | 0 | 9423 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 25736354 | 1105513 | SH |  | SOLE |  | 0 | 0 | 1105513 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 937243 | 17398 | SH |  | SOLE |  | 0 | 0 | 17398 |
| SERVICENOW INC | COM | 81762P102 |  | 253997 | 276 | SH |  | SOLE |  | 0 | 0 | 276 |
| SHELL PLC | SPON ADS | 780259305 |  | 326177 | 4560 | SH |  | SOLE |  | 0 | 0 | 4560 |
| SNOWFLAKE INC | COM SHS | 833445109 |  | 298854 | 1325 | SH |  | SOLE |  | 0 | 0 | 1325 |
| SONY GROUP CORP | SPONSORED ADR | 835699307 |  | 342227 | 11887 | SH |  | SOLE |  | 0 | 0 | 11887 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 5115285 | 109278 | SH |  | SOLE |  | 0 | 0 | 109278 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 288995 | 434 | SH |  | SOLE |  | 0 | 0 | 434 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 36214540 | 346517 | SH |  | SOLE |  | 0 | 0 | 346517 |
| SPDR SERIES TRUST | SSGA US LRG ETF | 78468R804 |  | 727321 | 4082 | SH |  | SOLE |  | 0 | 0 | 4082 |
| SPDR SERIES TRUST | NUVEEN ICE SHORT | 78468R739 |  | 471677 | 9782 | SH |  | SOLE |  | 0 | 0 | 9782 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 26661849 | 481870 | SH |  | SOLE |  | 0 | 0 | 481870 |
| SPDR SERIES TRUST | NUVEEN ICE HIGH | 78464A284 |  | 972649 | 39015 | SH |  | SOLE |  | 0 | 0 | 39015 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 573212 | 7317 | SH |  | SOLE |  | 0 | 0 | 7317 |
| SYNCHRONY FINANCIAL | COM | 87165B103 |  | 391770 | 5514 | SH |  | SOLE |  | 0 | 0 | 5514 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 1269652 | 4546 | SH |  | SOLE |  | 0 | 0 | 4546 |
| TAPESTRY INC | COM | 876030107 |  | 238328 | 2105 | SH |  | SOLE |  | 0 | 0 | 2105 |
| TECHNIPFMC PLC | COM | G87110105 |  | 220486 | 5589 | SH |  | SOLE |  | 0 | 0 | 5589 |
| TESLA INC | COM | 88160R101 |  | 1556075 | 3499 | SH |  | SOLE |  | 0 | 0 | 3499 |
| TEXAS PACIFIC LAND CORPORATI | COM | 88262P102 |  | 360132 | 386 | SH |  | SOLE |  | 0 | 0 | 386 |
| TJX COS INC NEW | COM | 872540109 |  | 220408 | 1525 | SH |  | SOLE |  | 0 | 0 | 1525 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 267833 | 3350 | SH |  | SOLE |  | 0 | 0 | 3350 |
| TOYOTA MOTOR CORP | ADS | 892331307 |  | 277081 | 1450 | SH |  | SOLE |  | 0 | 0 | 1450 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 391117 | 1401 | SH |  | SOLE |  | 0 | 0 | 1401 |
| UBER TECHNOLOGIES INC | COM | 90353T100 |  | 283035 | 2889 | SH |  | SOLE |  | 0 | 0 | 2889 |
| UBIQUITI INC | COM | 90353W103 |  | 266874 | 404 | SH |  | SOLE |  | 0 | 0 | 404 |
| UBS GROUP AG | SHS | H42097107 |  | 215332 | 5252 | SH |  | SOLE |  | 0 | 0 | 5252 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 276243 | 4660 | SH |  | SOLE |  | 0 | 0 | 4660 |
| UNITED AIRLS HLDGS INC | COM | 910047109 |  | 266533 | 2762 | SH |  | SOLE |  | 0 | 0 | 2762 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 392069 | 1135 | SH |  | SOLE |  | 0 | 0 | 1135 |
| VALERO ENERGY CORP | COM | 91913Y100 |  | 227429 | 1336 | SH |  | SOLE |  | 0 | 0 | 1336 |
| VANECK ETF TRUST | JUNIOR GOLD MINE | 92189F791 |  | 247575 | 2500 | SH |  | SOLE |  | 0 | 0 | 2500 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 |  | 1339326 | 26313 | SH |  | SOLE |  | 0 | 0 | 26313 |
| VANGUARD ADMIRAL FDS INC | SMLCP 600 VAL | 921932778 |  | 9894208 | 103909 | SH |  | SOLE |  | 0 | 0 | 103909 |
| VANGUARD ADMIRAL FDS INC | SMLCP 600 GRTH | 921932794 |  | 803616 | 6600 | SH |  | SOLE |  | 0 | 0 | 6600 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 44833571 | 602845 | SH |  | SOLE |  | 0 | 0 | 602845 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 8800004 | 177922 | SH |  | SOLE |  | 0 | 0 | 177922 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 71260814 | 231471 | SH |  | SOLE |  | 0 | 0 | 231471 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 10255084 | 54990 | SH |  | SOLE |  | 0 | 0 | 54990 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 335451 | 1142 | SH |  | SOLE |  | 0 | 0 | 1142 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 3506571 | 11782 | SH |  | SOLE |  | 0 | 0 | 11782 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 14339539 | 29898 | SH |  | SOLE |  | 0 | 0 | 29898 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1169504 | 1910 | SH |  | SOLE |  | 0 | 0 | 1910 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 2028891 | 9721 | SH |  | SOLE |  | 0 | 0 | 9721 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 215642 | 734 | SH |  | SOLE |  | 0 | 0 | 734 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1082314 | 3298 | SH |  | SOLE |  | 0 | 0 | 3298 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 28981776 | 534917 | SH |  | SOLE |  | 0 | 0 | 534917 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 16109227 | 321734 | SH |  | SOLE |  | 0 | 0 | 321734 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000GRW | 92206C623 |  | 5475559 | 23422 | SH |  | SOLE |  | 0 | 0 | 23422 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 322480 | 1494 | SH |  | SOLE |  | 0 | 0 | 1494 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 721083 | 9816 | SH |  | SOLE |  | 0 | 0 | 9816 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 17000417 | 283719 | SH |  | SOLE |  | 0 | 0 | 283719 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 1514606 | 2029 | SH |  | SOLE |  | 0 | 0 | 2029 |
| VEEVA SYS INC | CL A COM | 922475108 |  | 217474 | 730 | SH |  | SOLE |  | 0 | 0 | 730 |
| VERISIGN INC | COM | 92343E102 |  | 247979 | 887 | SH |  | SOLE |  | 0 | 0 | 887 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 224318 | 5104 | SH |  | SOLE |  | 0 | 0 | 5104 |
| VICTORY PORTFOLIOS II | VCSHS INTL VOLTY | 92647N840 |  | 588441 | 11404 | SH |  | SOLE |  | 0 | 0 | 11404 |
| VISA INC | COM CL A | 92826C839 |  | 714199 | 2092 | SH |  | SOLE |  | 0 | 0 | 2092 |
| WALMART INC | COM | 931142103 |  | 528936 | 5132 | SH |  | SOLE |  | 0 | 0 | 5132 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 213321 | 2545 | SH |  | SOLE |  | 0 | 0 | 2545 |
| ZSCALER INC | COM | 98980G102 |  | 224745 | 750 | SH |  | SOLE |  | 0 | 0 | 750 |

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