# EDGAR Filing Document

**Accession Number:** 0001931232
**File Stem:** 0001085146-23-001121
**Filing Date:** 2023-2
**Character Count:** 21622
**Document Hash:** f4c91b26d5d8b6fb9b0a25ae9fa69c18
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-001121.hdr.sgml**: 20230213

**ACCESSION NUMBER**: 0001085146-23-001121

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230213

**DATE AS OF CHANGE**: 20230213

**EFFECTIVENESS DATE**: 20230213

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Carr Financial Group Corp
- **CENTRAL INDEX KEY:** 0001931232
- **IRS NUMBER:** 843668516
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22942
- **FILM NUMBER:** 23618962

**BUSINESS ADDRESS:**
- **STREET 1:** 20 PARK AVE
- **CITY:** WORCESTER
- **STATE:** MA
- **ZIP:** 01605
- **BUSINESS PHONE:** 508-795-0264

**MAIL ADDRESS:**
- **STREET 1:** 20 PARK AVE
- **CITY:** WORCESTER
- **STATE:** MA
- **ZIP:** 01605

### 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:** Carr Financial Group Corp<br>**Address:** 20 PARK AVE<br>WORCESTER, MA 01605

**Form 13F File Number:** 028-22942

**CRD Number (if applicable):** 000317321

**SEC File Number (if applicable):** 801-123187

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 Cauley<br>**Title:** Chief Compliance Officer<br>**Phone:** 508-795-0264

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

/s/Benjamin Cauley  Worcester, MA  02-13-2023<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:** 164

**Form 13F Information Table Value Total:** $189953592

      (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 | BBG001S5N9M6 | 367687 | 3349 | SH |  | SOLE |  | 0 | 0 | 3349 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 1046519 | 6476 | SH |  | SOLE |  | 0 | 0 | 6476 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 | BBG001SCXK90 | 324477 | 1216 | SH |  | SOLE |  | 0 | 0 | 1216 |
| ADOBE SYSTEMS INCORPORATED | COM | 00724F101 | BBG001S5NCQ5 | 723876 | 2151 | SH |  | SOLE |  | 0 | 0 | 2151 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 | BBG001S5NN36 | 764739 | 11807 | SH |  | SOLE |  | 0 | 0 | 11807 |
| AFLAC INC | COM | 001055102 | BBG001S5NGJ4 | 227762 | 3166 | SH |  | SOLE |  | 0 | 0 | 3166 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 629080 | 7130 | SH |  | SOLE |  | 0 | 0 | 7130 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 713567 | 8042 | SH |  | SOLE |  | 0 | 0 | 8042 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 1256640 | 14960 | SH |  | SOLE |  | 0 | 0 | 14960 |
| AMERICAN EXPRESS CO | COM | 025816109 | BBG001S5P034 | 957420 | 6480 | SH |  | SOLE |  | 0 | 0 | 6480 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 | BBG001S5NPQ6 | 214487 | 1005 | SH |  | SOLE |  | 0 | 0 | 1005 |
| AMERICAN WTR WKS CO INC NEW | COM | 030420103 | BBG001SPHYW3 | 346756 | 2275 | SH |  | SOLE |  | 0 | 0 | 2275 |
| AMERIPRISE FINL INC | COM | 03076C106 | BBG001SK6096 | 403536 | 1296 | SH |  | SOLE |  | 0 | 0 | 1296 |
| AMGEN INC | COM | 031162100 | BBG001S5NNL6 | 743271 | 2830 | SH |  | SOLE |  | 0 | 0 | 2830 |
| AON PLC | SHS CL A | G0403H108 | BBG00SSQFPR9 | 202895 | 676 | SH |  | SOLE |  | 0 | 0 | 676 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 2789521 | 21469 | SH |  | SOLE |  | 0 | 0 | 21469 |
| APPLIED MATLS INC | COM | 038222105 | BBG001S5NMM7 | 464600 | 4771 | SH |  | SOLE |  | 0 | 0 | 4771 |
| ARROW ELECTRS INC | COM | 042735100 | BBG001S5NVP4 | 209140 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 | BBG001SCG0R3 | 343686 | 629 | SH |  | SOLE |  | 0 | 0 | 629 |
| ASTRAZENECA PLC | SPONSORED ADR | 046353108 | BBG001SB80N8 | 265166 | 3911 | SH |  | SOLE |  | 0 | 0 | 3911 |
| AT INC | COM | 00206R102 | BBG001S5VWH2 | 198806 | 10799 | SH |  | SOLE |  | 0 | 0 | 10799 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 | BBG001S82KF6 | 219941 | 916 | SH |  | SOLE |  | 0 | 0 | 916 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 | BBG001S902J2 | 937422 | 2 | SH |  | SOLE |  | 0 | 0 | 2 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 598648 | 1938 | SH |  | SOLE |  | 0 | 0 | 1938 |
| BLACKROCK INC | COM | 09247X101 | BBG001SDBP55 | 347229 | 490 | SH |  | SOLE |  | 0 | 0 | 490 |
| BOOKING HOLDINGS INC | COM | 09857L108 | BBG001S89N72 | 272063 | 135 | SH |  | SOLE |  | 0 | 0 | 135 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 | BBG001S8N8J6 | 203403 | 2827 | SH |  | SOLE |  | 0 | 0 | 2827 |
| CADENCE DESIGN SYSTEM INC | COM | 127387108 | BBG001S65YK1 | 321280 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 341928 | 1905 | SH |  | SOLE |  | 0 | 0 | 1905 |
| CIGNA CORP NEW | COM | 125523100 | BBG00KXRCDQ9 | 248505 | 750 | SH |  | SOLE |  | 0 | 0 | 750 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 529060 | 11105 | SH |  | SOLE |  | 0 | 0 | 11105 |
| CITIGROUP INC | COM NEW | 172967424 | BBG001S72ZG4 | 294407 | 6509 | SH |  | SOLE |  | 0 | 0 | 6509 |
| CME GROUP INC | COM | 12572Q105 | BBG001S86547 | 306299 | 1774 | SH |  | SOLE |  | 0 | 0 | 1774 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 334158 | 732 | SH |  | SOLE |  | 0 | 0 | 732 |
| CUMMINS INC | COM | 231021106 | BBG001S5Q9M3 | 261431 | 1079 | SH |  | SOLE |  | 0 | 0 | 1079 |
| CVS HEALTH CORP | COM | 126650100 | BBG001S5QBD8 | 209398 | 2247 | SH |  | SOLE |  | 0 | 0 | 2247 |
| DANAHER CORPORATION | COM | 235851102 | BBG001S5QGT0 | 284001 | 1069 | SH |  | SOLE |  | 0 | 0 | 1069 |
| DEERE  CO | COM | 244199105 | BBG001S5QFF7 | 257685 | 601 | SH |  | SOLE |  | 0 | 0 | 601 |
| DISNEY WALT CO | COM | 254687106 | BBG001S5QHF3 | 776968 | 8943 | SH |  | SOLE |  | 0 | 0 | 8943 |
| EATON CORP PLC | SHS | G29183103 | BBG001S5QZ45 | 335245 | 2136 | SH |  | SOLE |  | 0 | 0 | 2136 |
| ELEVANCE HEALTH INC | COM | 036752103 | BBG001S6KBQ8 | 305217 | 595 | SH |  | SOLE |  | 0 | 0 | 595 |
| ENPHASE ENERGY INC | COM | 29355A107 | BBG001V28NC6 | 225216 | 850 | SH |  | SOLE |  | 0 | 0 | 850 |
| FIDELITY COVINGTON TRUST | MSCI HLTH CARE I | 316092600 | BBG005FHVV56 | 3087629 | 48259 | SH |  | SOLE |  | 0 | 0 | 48259 |
| FIRST TR EXCHANGE-TRADED FD | DORSEY WRT 5 ETF | 33738R605 | BBG005YW3DQ0 | 499355 | 10727 | SH |  | SOLE |  | 0 | 0 | 10727 |
| GILEAD SCIENCES INC | COM | 375558103 | BBG001S6Y1X7 | 730154 | 8505 | SH |  | SOLE |  | 0 | 0 | 8505 |
| GOLDMAN SACHS ETF TR | ACCES TREASURY | 381430529 | BBG00DRGSD25 | 305561 | 3055 | SH |  | SOLE |  | 0 | 0 | 3055 |
| GSK PLC | SPONSORED ADR | 37733W204 | BBG001SD6SM6 | 520912 | 14684 | SH |  | SOLE |  | 0 | 0 | 14684 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 796599 | 2522 | SH |  | SOLE |  | 0 | 0 | 2522 |
| HONEYWELL INTL INC | COM | 438516106 | BBG001S5X1N1 | 282662 | 1319 | SH |  | SOLE |  | 0 | 0 | 1319 |
| ILLINOIS TOOL WKS INC | COM | 452308109 | BBG001S5SDX0 | 276126 | 1246 | SH |  | SOLE |  | 0 | 0 | 1246 |
| INVESCO EXCH TRADED FD TR II | KBW PPTY CASUT | 46138E586 | BBG001TG54V2 | 795872 | 9247 | SH |  | SOLE |  | 0 | 0 | 9247 |
| INVESCO EXCH TRADED FD TR II | PFD ETF | 46138E511 | BBG001T0NSB6 | 153144 | 13698 | SH |  | SOLE |  | 0 | 0 | 13698 |
| INVESCO EXCH TRADED FD TR II | S HDL VOL | 46138E362 | BBG003H4RBL9 | 878021 | 20032 | SH |  | SOLE |  | 0 | 0 | 20032 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 | BBG001V18CG8 | 657233 | 10285 | SH |  | SOLE |  | 0 | 0 | 10285 |
| INVESCO EXCHANGE TRADED FD T | AEROSPACE DEFN | 46137V100 | BBG001S8JG85 | 1080892 | 13787 | SH |  | SOLE |  | 0 | 0 | 13787 |
| INVESCO EXCHANGE TRADED FD T | DYNMC ENRG EXP | 46137V761 | BBG001SPHL97 | 1502783 | 50804 | SH |  | SOLE |  | 0 | 0 | 50804 |
| INVESCO EXCHANGE TRADED FD T | DYNMC FOOD BEV | 46137V753 | BBG001SN60Z1 | 839438 | 18389 | SH |  | SOLE |  | 0 | 0 | 18389 |
| INVESCO EXCHANGE TRADED FD T | FINL PFD ETF | 46137V621 | BBG001SQ8PW0 | 333533 | 23162 | SH |  | SOLE |  | 0 | 0 | 23162 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 5321181 | 19983 | SH |  | SOLE |  | 0 | 0 | 19983 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 | BBG0025X3FS0 | 8434819 | 158998 | SH |  | SOLE |  | 0 | 0 | 158998 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 | BBG001TG5H89 | 2114534 | 21808 | SH |  | SOLE |  | 0 | 0 | 21808 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 | BBG005DW06B7 | 205509 | 5026 | SH |  | SOLE |  | 0 | 0 | 5026 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 | BBG001S8MLN3 | 1005556 | 10100 | SH |  | SOLE |  | 0 | 0 | 10100 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 | BBG006MJFZK4 | 587096 | 11742 | SH |  | SOLE |  | 0 | 0 | 11742 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 | BBG003H6TMV7 | 2573193 | 44457 | SH |  | SOLE |  | 0 | 0 | 44457 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 7701335 | 31838 | SH |  | SOLE |  | 0 | 0 | 31838 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 4081800 | 43130 | SH |  | SOLE |  | 0 | 0 | 43130 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 1943188 | 22915 | SH |  | SOLE |  | 0 | 0 | 22915 |
| ISHARES TR | CORE S US VLU | 464287663 | BBG001SFQL80 | 651209 | 9220 | SH |  | SOLE |  | 0 | 0 | 9220 |
| ISHARES TR | ESG ADV TTL USD | 46436E619 | BBG00VJ13GZ1 | 939034 | 22252 | SH |  | SOLE |  | 0 | 0 | 22252 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 | BBG00D7BBRS7 | 508565 | 7736 | SH |  | SOLE |  | 0 | 0 | 7736 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 | BBG00KK87757 | 281190 | 8552 | SH |  | SOLE |  | 0 | 0 | 8552 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 | BBG00H4BH3F2 | 1135188 | 50911 | SH |  | SOLE |  | 0 | 0 | 50911 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 | BBG00VHK2B74 | 216644 | 7066 | SH |  | SOLE |  | 0 | 0 | 7066 |
| ISHARES TR | GL CLEAN ENE ETF | 464288224 | BBG001S7XDQ8 | 1113287 | 56085 | SH |  | SOLE |  | 0 | 0 | 56085 |
| ISHARES TR | IBONDS 23 TRM HG | 46435U150 | BBG00P3CWH01 | 792391 | 33762 | SH |  | SOLE |  | 0 | 0 | 33762 |
| ISHARES TR | IBONDS 24 TRM HG | 46435U184 | BBG00P3CTJ01 | 506220 | 22291 | SH |  | SOLE |  | 0 | 0 | 22291 |
| ISHARES TR | IBONDS DEC | 46435U697 | BBG00KDS8331 | 309000 | 12000 | SH |  | SOLE |  | 0 | 0 | 12000 |
| ISHARES TR | IBONDS DEC2023 | 46435G318 | BBG00GF7ZJL9 | 803037 | 31678 | SH |  | SOLE |  | 0 | 0 | 31678 |
| ISHARES TR | IBONDS DEC23 ETF | 46434VAX8 | BBG0088JLVM6 | 989736 | 39542 | SH |  | SOLE |  | 0 | 0 | 39542 |
| ISHARES TR | IBONDS DEC24 ETF | 46434VBG4 | BBG0088JX0B3 | 914334 | 37442 | SH |  | SOLE |  | 0 | 0 | 37442 |
| ISHARES TR | MBS ETF | 464288588 | BBG001SSD8B1 | 1248879 | 13465 | SH |  | SOLE |  | 0 | 0 | 13465 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | BBG0025X2G81 | 2731434 | 37884 | SH |  | SOLE |  | 0 | 0 | 37884 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 1819587 | 15967 | SH |  | SOLE |  | 0 | 0 | 15967 |
| ISHARES TR | PFD AND INCM SEC | 464288687 | BBG001SNVWC8 | 785476 | 25728 | SH |  | SOLE |  | 0 | 0 | 25728 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | BBG001SLS4Q3 | 1042700 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| ISHARES TR | USD GRN BOND ETF | 46435U440 | BBG00MK1NQ85 | 671898 | 14616 | SH |  | SOLE |  | 0 | 0 | 14616 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 | BBG00TSG0SK6 | 8484181 | 154173 | SH |  | SOLE |  | 0 | 0 | 154173 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 773017 | 4376 | SH |  | SOLE |  | 0 | 0 | 4376 |
| JPMORGAN CHASE  CO | COM | 46625H100 | BBG001S8CRC3 | 555486 | 4142 | SH |  | SOLE |  | 0 | 0 | 4142 |
| KELLOGG CO | COM | 487836108 | BBG001S5SJL0 | 214504 | 3011 | SH |  | SOLE |  | 0 | 0 | 3011 |
| KIMBERLY-CLARK CORP | COM | 494368103 | BBG001S5SLZ0 | 364728 | 2664 | SH |  | SOLE |  | 0 | 0 | 2664 |
| LABORATORY CORP AMER HLDGS | COM NEW | 50540R409 | BBG001S7RX54 | 282576 | 1200 | SH |  | SOLE |  | 0 | 0 | 1200 |
| LAM RESEARCH CORP | COM | 512807108 | BBG001S5SW40 | 526265 | 1247 | SH |  | SOLE |  | 0 | 0 | 1247 |
| LILLY ELI  CO | COM | 532457108 | BBG001S5STL8 | 1745057 | 4770 | SH |  | SOLE |  | 0 | 0 | 4770 |
| LINDE PLC | SHS | G5494J103 | BBG00GVR8YR8 | 734884 | 2253 | SH |  | SOLE |  | 0 | 0 | 2253 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 743390 | 1528 | SH |  | SOLE |  | 0 | 0 | 1528 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 | BBG001SKNNS6 | 631825 | 1817 | SH |  | SOLE |  | 0 | 0 | 1817 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 312547 | 1186 | SH |  | SOLE |  | 0 | 0 | 1186 |
| MEDTRONIC PLC | SHS | G5960L103 | BBG001S5T2S9 | 207054 | 2641 | SH |  | SOLE |  | 0 | 0 | 2641 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 910415 | 8152 | SH |  | SOLE |  | 0 | 0 | 8152 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 2425386 | 10113 | SH |  | SOLE |  | 0 | 0 | 10113 |
| MODERNA INC | COM | 60770K107 | BBG003PHHZV8 | 261167 | 1454 | SH |  | SOLE |  | 0 | 0 | 1454 |
| NATIONAL GRID PLC | SPONSORED ADR NE | 636274409 | BBG001SD9VH2 | 336942 | 5492 | SH |  | SOLE |  | 0 | 0 | 5492 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 471218 | 1598 | SH |  | SOLE |  | 0 | 0 | 1598 |
| NEXTERA ENERGY INC | COM | 65339F101 | BBG001S5RB29 | 273790 | 3275 | SH |  | SOLE |  | 0 | 0 | 3275 |
| NIKE INC | CL B | 654106103 | BBG001S6NTK2 | 575104 | 4915 | SH |  | SOLE |  | 0 | 0 | 4915 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 | BBG001SF5LW6 | 476552 | 5253 | SH |  | SOLE |  | 0 | 0 | 5253 |
| NUVEEN AMT FREE MUN CR INC F | COM | 67071L106 | BBG001SHZCF8 | 420517 | 34639 | SH |  | SOLE |  | 0 | 0 | 34639 |
| NUVEEN AMT FREE QLTY MUN INC | COM | 670657105 | BBG001SKQWJ3 | 349116 | 30705 | SH |  | SOLE |  | 0 | 0 | 30705 |
| NUVEEN INTER DURATION MUN TE | COM | 670671106 | BBG003NQ26B2 | 166034 | 12655 | SH |  | SOLE |  | 0 | 0 | 12655 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 408023 | 2792 | SH |  | SOLE |  | 0 | 0 | 2792 |
| PARKER-HANNIFIN CORP | COM | 701094104 | BBG001S5V554 | 341343 | 1173 | SH |  | SOLE |  | 0 | 0 | 1173 |
| PAYPAL HLDGS INC | COM | 70450Y103 | BBG0077VNXW5 | 466776 | 6554 | SH |  | SOLE |  | 0 | 0 | 6554 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 1086678 | 5977 | SH |  | SOLE |  | 0 | 0 | 5977 |
| PFIZER INC | COM | 717081103 | BBG001S5V466 | 560355 | 10936 | SH |  | SOLE |  | 0 | 0 | 10936 |
| PIMCO ETF TR | ENHNCD LW DUR AC | 72201R718 | BBG005VLSHH1 | 1819453 | 19256 | SH |  | SOLE |  | 0 | 0 | 19256 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 466805 | 3080 | SH |  | SOLE |  | 0 | 0 | 3080 |
| PROLOGIS INC. | COM | 74340W103 | BBG001S5NMN6 | 384184 | 3408 | SH |  | SOLE |  | 0 | 0 | 3408 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | BBG001S5X5Q9 | 331052 | 3280 | SH |  | SOLE |  | 0 | 0 | 3280 |
| S GLOBAL INC | COM | 78409V104 | BBG001S5T5M8 | 234793 | 701 | SH |  | SOLE |  | 0 | 0 | 701 |
| SALESFORCE INC | COM | 79466L302 | BBG001SDLP09 | 815031 | 6147 | SH |  | SOLE |  | 0 | 0 | 6147 |
| SANOFI | SPONSORED ADR | 80105N105 | BBG001S5W768 | 550794 | 11373 | SH |  | SOLE |  | 0 | 0 | 11373 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 7938026 | 175815 | SH |  | SOLE |  | 0 | 0 | 175815 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 | BBG001T9F777 | 1977860 | 38190 | SH |  | SOLE |  | 0 | 0 | 38190 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 | BBG001S7T1S7 | 418236 | 4781 | SH |  | SOLE |  | 0 | 0 | 4781 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 | BBG001S7T223 | 526229 | 15387 | SH |  | SOLE |  | 0 | 0 | 15387 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 | BBG001S7T107 | 300172 | 4026 | SH |  | SOLE |  | 0 | 0 | 4026 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 | BBG001S7SCQ6 | 268711 | 1978 | SH |  | SOLE |  | 0 | 0 | 1978 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 2307443 | 13602 | SH |  | SOLE |  | 0 | 0 | 13602 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 293755 | 765 | SH |  | SOLE |  | 0 | 0 | 765 |
| SPDR SER TR | BLOOMBERG INVT | 78468R200 | BBG0029J2J00 | 2108216 | 69372 | SH |  | SOLE |  | 0 | 0 | 69372 |
| SPDR SER TR | PORT MTG BK ETF | 78464A383 | BBG001T2HF72 | 404293 | 18631 | SH |  | SOLE |  | 0 | 0 | 18631 |
| SPDR SER TR | PORTFOLIO SH TSR | 78468R101 | BBG0029J2KF1 | 204339 | 7073 | SH |  | SOLE |  | 0 | 0 | 7073 |
| SPDR SER TR | S 600 SML CAP | 78464A813 | BBG001SPTB69 | 3390566 | 41243 | SH |  | SOLE |  | 0 | 0 | 41243 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 | BBG001S5WWW4 | 409757 | 5468 | SH |  | SOLE |  | 0 | 0 | 5468 |
| TARGET CORP | COM | 87612E106 | BBG001SC0K41 | 387355 | 2599 | SH |  | SOLE |  | 0 | 0 | 2599 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 265330 | 2154 | SH |  | SOLE |  | 0 | 0 | 2154 |
| TEXAS INSTRS INC | COM | 882508104 | BBG001S5WYZ7 | 361997 | 2191 | SH |  | SOLE |  | 0 | 0 | 2191 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 | BBG001S5WS08 | 623170 | 1131 | SH |  | SOLE |  | 0 | 0 | 1131 |
| TJX COS INC NEW | COM | 872540109 | BBG001S5WQ93 | 239437 | 3008 | SH |  | SOLE |  | 0 | 0 | 3008 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 | BBG001S60L15 | 485117 | 7491 | SH |  | SOLE |  | 0 | 0 | 7491 |
| TRAVELERS COMPANIES INC | COM | 89417E109 | BBG001S5R103 | 284422 | 1517 | SH |  | SOLE |  | 0 | 0 | 1517 |
| TRUIST FINL CORP | COM | 89832Q109 | BBG001S5YYC0 | 427030 | 9924 | SH |  | SOLE |  | 0 | 0 | 9924 |
| UNILEVER PLC | SPON ADR NEW | 904767704 | BBG001S5X1K4 | 241521 | 4797 | SH |  | SOLE |  | 0 | 0 | 4797 |
| V F CORP | COM | 918204108 | BBG001S5X749 | 249456 | 9035 | SH |  | SOLE |  | 0 | 0 | 9035 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 | BBG001SR42Z0 | 519635 | 18131 | SH |  | SOLE |  | 0 | 0 | 18131 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | BBG001SK7DK4 | 9418152 | 131099 | SH |  | SOLE |  | 0 | 0 | 131099 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 1620669 | 8830 | SH |  | SOLE |  | 0 | 0 | 8830 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 6452802 | 33751 | SH |  | SOLE |  | 0 | 0 | 33751 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 347556 | 2476 | SH |  | SOLE |  | 0 | 0 | 2476 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 | BBG001T2YZG9 | 205046 | 2379 | SH |  | SOLE |  | 0 | 0 | 2379 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | BBG001T62KZ7 | 1578840 | 20998 | SH |  | SOLE |  | 0 | 0 | 20998 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000VAL | 92206C649 | BBG001TCHH03 | 344000 | 2825 | SH |  | SOLE |  | 0 | 0 | 2825 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 516040 | 3398 | SH |  | SOLE |  | 0 | 0 | 3398 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 10996021 | 261997 | SH |  | SOLE |  | 0 | 0 | 261997 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 9795681 | 90525 | SH |  | SOLE |  | 0 | 0 | 90525 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 | BBG00XGJM879 | 1201365 | 19800 | SH |  | SOLE |  | 0 | 0 | 19800 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 | BBG001T0Y6W9 | 5483011 | 31865 | SH |  | SOLE |  | 0 | 0 | 31865 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 755006 | 19163 | SH |  | SOLE |  | 0 | 0 | 19163 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 324937 | 1564 | SH |  | SOLE |  | 0 | 0 | 1564 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 306144 | 2151 | SH |  | SOLE |  | 0 | 0 | 2151 |
| WILLIAMS COS INC | COM | 969457100 | BBG001S5XH10 | 839715 | 25523 | SH |  | SOLE |  | 0 | 0 | 25523 |
| XYLEM INC | COM | 98419M100 | BBG001V05C73 | 458423 | 4146 | SH |  | SOLE |  | 0 | 0 | 4146 |

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