# EDGAR Filing Document

**Accession Number:** 0001625246
**File Stem:** 0001172661-25-002643
**Filing Date:** 2025-7
**Character Count:** 19210
**Document Hash:** 5036b8bcc25e7362c04c1d0959f4757d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-25-002643.hdr.sgml**: 20250717

**ACCESSION NUMBER**: 0001172661-25-002643

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250717

**DATE AS OF CHANGE**: 20250717

**EFFECTIVENESS DATE**: 20250717

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Summit Financial Strategies, Inc.
- **CENTRAL INDEX KEY:** 0001625246

**ORGANIZATION NAME:**
- **EIN:** 311412791
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-16537
- **FILM NUMBER:** 251130486

**BUSINESS ADDRESS:**
- **STREET 1:** 4111 WORTH AVE. #510
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43219-3599
- **BUSINESS PHONE:** 614-885-1115

**MAIL ADDRESS:**
- **STREET 1:** 4111 WORTH AVE. #510
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43219-3599

### 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:** Summit Financial Strategies Inc.<br>**Address:** 4111 Worth Ave. #510<br>Columbus, OH 43219-3599

**Form 13F File Number:** 028-16537

**CRD Number (if applicable):** 000110112

**SEC File Number (if applicable):** 801-50616

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:** Timothy W. Swain<br>**Title:** Chief Compliance Officer<br>**Phone:** 614-885-1115

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

/s/  Timothy W. Swain  Columbus, OH  07-17-2025<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:** 155

**Form 13F Information Table Value Total:** $1080531783

      (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 |
| 3M CO | COM | 88579Y101 |  | 240489 | 1580 | SH |  | SOLE |  | 0 | 0 | 1580 |
| ABBOTT LABS | COM | 002824100 |  | 1111617 | 8173 | SH |  | SOLE |  | 0 | 0 | 8173 |
| ABBVIE INC | COM | 00287Y109 |  | 1796915 | 9681 | SH |  | SOLE |  | 0 | 0 | 9681 |
| AGILON HEALTH INC | COM | 00857U107 |  | 38109 | 16569 | SH |  | SOLE |  | 0 | 0 | 16569 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 587851 | 3314 | SH |  | SOLE |  | 0 | 0 | 3314 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1220206 | 6924 | SH |  | SOLE |  | 0 | 0 | 6924 |
| AMAZON COM INC | COM | 023135106 |  | 1700219 | 7750 | SH |  | SOLE |  | 0 | 0 | 7750 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 2547439 | 37347 | SH |  | SOLE |  | 0 | 0 | 37347 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 401296 | 4405 | SH |  | SOLE |  | 0 | 0 | 4405 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 259479 | 3506 | SH |  | SOLE |  | 0 | 0 | 3506 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 59529663 | 868539 | SH |  | SOLE |  | 381 | 0 | 868158 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 518546 | 4998 | SH |  | SOLE |  | 0 | 0 | 4998 |
| AMGEN INC | COM | 031162100 |  | 413231 | 1480 | SH |  | SOLE |  | 0 | 0 | 1480 |
| APPLE INC | COM | 037833100 |  | 14252527 | 69467 | SH |  | SOLE |  | 0 | 0 | 69467 |
| APPLIED MATLS INC | COM | 038222105 |  | 948303 | 5180 | SH |  | SOLE |  | 0 | 0 | 5180 |
| AT INC | COM | 00206R102 |  | 251820 | 8701 | SH |  | SOLE |  | 0 | 0 | 8701 |
| BANK AMERICA CORP | COM | 060505104 |  | 369593 | 7811 | SH |  | SOLE |  | 0 | 0 | 7811 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 772431 | 8478 | SH |  | SOLE |  | 0 | 0 | 8478 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 12819019 | 26389 | SH |  | SOLE |  | 0 | 0 | 26389 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 2915200 | 4 | SH |  | SOLE |  | 0 | 0 | 4 |
| CALAMOS CONV  HIGH INCOME F | COM SHS | 12811P108 |  | 181214 | 16489 | SH |  | SOLE |  | 0 | 0 | 16489 |
| CARDLYTICS INC | COM | 14161W105 |  | 23030 | 14000 | SH |  | SOLE |  | 0 | 0 | 14000 |
| CATERPILLAR INC | COM | 149123101 |  | 716247 | 1845 | SH |  | SOLE |  | 0 | 0 | 1845 |
| CHEVRON CORP NEW | COM | 166764100 |  | 419404 | 2929 | SH |  | SOLE |  | 0 | 0 | 2929 |
| CINCINNATI FINL CORP | COM | 172062101 |  | 603424 | 4052 | SH |  | SOLE |  | 0 | 0 | 4052 |
| CIVISTA BANCSHARES INC | COM NO PAR | 178867107 |  | 3316463 | 142951 | SH |  | SOLE |  | 0 | 0 | 142951 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 354435 | 358 | SH |  | SOLE |  | 0 | 0 | 358 |
| DEERE  CO | COM | 244199105 |  | 737311 | 1450 | SH |  | SOLE |  | 0 | 0 | 1450 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 20051428 | 371598 | SH |  | SOLE |  | 400 | 0 | 371198 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 331162 | 9240 | SH |  | SOLE |  | 0 | 0 | 9240 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 119473914 | 3842841 | SH |  | SOLE |  | 2016 | 0 | 3840825 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 22299953 | 831157 | SH |  | SOLE |  | 408 | 0 | 830749 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 4082472 | 96558 | SH |  | SOLE |  | 0 | 0 | 96558 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 59352768 | 1913371 | SH |  | SOLE |  | 1898 | 0 | 1911473 |
| DIREXION SHS ETF TR | DRX S | 25459W862 |  | 535861 | 3088 | SH |  | SOLE |  | 0 | 0 | 3088 |
| DISNEY WALT CO | COM | 254687106 |  | 390988 | 3153 | SH |  | SOLE |  | 0 | 0 | 3153 |
| DTE ENERGY CO | COM | 233331107 |  | 282537 | 2133 | SH |  | SOLE |  | 0 | 0 | 2133 |
| EATON CORP PLC | SHS | G29183103 |  | 789305 | 2211 | SH |  | SOLE |  | 0 | 0 | 2211 |
| ECOLAB INC | COM | 278865100 |  | 856011 | 3177 | SH |  | SOLE |  | 0 | 0 | 3177 |
| ELI LILLY  CO | COM | 532457108 |  | 1502818 | 1928 | SH |  | SOLE |  | 0 | 0 | 1928 |
| ENERGY TRANSFER L P | COM UT LTD PTN | 29273V100 |  | 1544386 | 85184 | SH |  | SOLE |  | 0 | 0 | 85184 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1318933 | 12235 | SH |  | SOLE |  | 0 | 0 | 12235 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 89129459 | 1948185 | SH |  | SOLE |  | 525 | 0 | 1947660 |
| FINGERMOTION INC | COM | 31788K108 |  | 29435 | 14500 | SH |  | SOLE |  | 0 | 0 | 14500 |
| FIRST TR EXCHANGE-TRADED FD | DJ INTERNT IDX | 33733E302 |  | 214117 | 795 | SH |  | SOLE |  | 0 | 0 | 795 |
| GERON CORP | COM | 374163103 |  | 38070 | 27000 | SH |  | SOLE |  | 0 | 0 | 27000 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA US LG | 381430503 |  | 374457 | 3085 | SH |  | SOLE |  | 0 | 0 | 3085 |
| GREIF INC | CL A | 397624107 |  | 296549 | 4563 | SH |  | SOLE |  | 0 | 0 | 4563 |
| HOME DEPOT INC | COM | 437076102 |  | 494416 | 1349 | SH |  | SOLE |  | 0 | 0 | 1349 |
| HONEYWELL INTL INC | COM | 438516106 |  | 200820 | 862 | SH |  | SOLE |  | 0 | 0 | 862 |
| HUNTINGTON BANCSHARES INC | COM | 446150104 |  | 612446 | 36546 | SH |  | SOLE |  | 0 | 0 | 36546 |
| INSTALLED BLDG PRODS INC | COM | 45780R101 |  | 380475 | 2110 | SH |  | SOLE |  | 0 | 0 | 2110 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 235615 | 799 | SH |  | SOLE |  | 0 | 0 | 799 |
| INVESCO EXCH TRADED FD TR II | RAFI DVLPD MRKTS | 46138E735 |  | 314022 | 8069 | SH |  | SOLE |  | 0 | 0 | 8069 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 |  | 403083 | 9536 | SH |  | SOLE |  | 0 | 0 | 9536 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 603297 | 1094 | SH |  | SOLE |  | 0 | 0 | 1094 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 456898 | 8943 | SH |  | SOLE |  | 0 | 0 | 8943 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 42722044 | 688843 | SH |  | SOLE |  | 394 | 0 | 688449 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 410812 | 8516 | SH |  | SOLE |  | 0 | 0 | 8516 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 2890341 | 31427 | SH |  | SOLE |  | 0 | 0 | 31427 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 2828605 | 44559 | SH |  | SOLE |  | 0 | 0 | 44559 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 5051123 | 56507 | SH |  | SOLE |  | 0 | 0 | 56507 |
| ISHARES TR | CORE S ETF | 464287200 |  | 85193042 | 137209 | SH |  | SOLE |  | 85 | 0 | 137124 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 583357 | 4392 | SH |  | SOLE |  | 0 | 0 | 4392 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 302339 | 2351 | SH |  | SOLE |  | 0 | 0 | 2351 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 303198 | 2279 | SH |  | SOLE |  | 0 | 0 | 2279 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1174036 | 5441 | SH |  | SOLE |  | 0 | 0 | 5441 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 3149801 | 7419 | SH |  | SOLE |  | 0 | 0 | 7419 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 1432071 | 13007 | SH |  | SOLE |  | 0 | 0 | 13007 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 1878010 | 9669 | SH |  | SOLE |  | 0 | 0 | 9669 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 26340144 | 241011 | SH |  | SOLE |  | 130 | 0 | 240881 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 4432407 | 13053 | SH |  | SOLE |  | 0 | 0 | 13053 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 491826 | 7692 | SH |  | SOLE |  | 0 | 0 | 7692 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 432432 | 1232 | SH |  | SOLE |  | 0 | 0 | 1232 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 553353 | 5578 | SH |  | SOLE |  | 0 | 0 | 5578 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 209390 | 1903 | SH |  | SOLE |  | 0 | 0 | 1903 |
| J P MORGAN EXCHANGE TRADED F | CORE PLUS BD ETF | 46641Q670 |  | 101112504 | 2148587 | SH |  | SOLE |  | 506 | 0 | 2148081 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 3961024 | 79795 | SH |  | SOLE |  | 0 | 0 | 79795 |
| JANUS DETROIT STR TR | B-BBB CLO ETF | 47103U753 |  | 570992 | 11844 | SH |  | SOLE |  | 0 | 0 | 11844 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 2963597 | 58396 | SH |  | SOLE |  | 0 | 0 | 58396 |
| JAYUD GLOBAL LOGISTICS LTD | ORD SHS CL A | G5084H103 |  | 3590 | 17762 | SH |  | SOLE |  | 0 | 0 | 17762 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 750703 | 4915 | SH |  | SOLE |  | 0 | 0 | 4915 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 3044739 | 10502 | SH |  | SOLE |  | 0 | 0 | 10502 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 339945 | 734 | SH |  | SOLE |  | 0 | 0 | 734 |
| MARINE PRODS CORP | COM | 568427108 |  | 95738 | 11250 | SH |  | SOLE |  | 0 | 0 | 11250 |
| MCDONALDS CORP | COM | 580135101 |  | 495089 | 1695 | SH |  | SOLE |  | 0 | 0 | 1695 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 215368 | 2471 | SH |  | SOLE |  | 0 | 0 | 2471 |
| MERCK  CO INC | COM | 58933Y105 |  | 457029 | 5773 | SH |  | SOLE |  | 0 | 0 | 5773 |
| META PLATFORMS INC | CL A | 30303M102 |  | 517704 | 701 | SH |  | SOLE |  | 0 | 0 | 701 |
| METTLER TOLEDO INTERNATIONAL | COM | 592688105 |  | 394706 | 336 | SH |  | SOLE |  | 0 | 0 | 336 |
| MICROSOFT CORP | COM | 594918104 |  | 10624738 | 21360 | SH |  | SOLE |  | 0 | 0 | 21360 |
| MYOMO INC | COM NEW | 62857J201 |  | 32400 | 15000 | SH |  | SOLE |  | 0 | 0 | 15000 |
| NETFLIX INC | COM | 64110L106 |  | 740539 | 553 | SH |  | SOLE |  | 0 | 0 | 553 |
| NIKE INC | CL B | 654106103 |  | 303307 | 4270 | SH |  | SOLE |  | 0 | 0 | 4270 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1838584 | 11637 | SH |  | SOLE |  | 0 | 0 | 11637 |
| PACKAGING CORP AMER | COM | 695156109 |  | 45821241 | 243148 | SH |  | SOLE |  | 0 | 0 | 243148 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 254910 | 1870 | SH |  | SOLE |  | 0 | 0 | 1870 |
| PARK NATL CORP | COM | 700658107 |  | 2584160 | 15450 | SH |  | SOLE |  | 0 | 0 | 15450 |
| PEPSICO INC | COM | 713448108 |  | 205850 | 1559 | SH |  | SOLE |  | 0 | 0 | 1559 |
| PGIM ETF TR | PGIM ULTRA SH BD | 69344A107 |  | 582242 | 11701 | SH |  | SOLE |  | 0 | 0 | 11701 |
| PIMCO ETF TR | SHTRM MUN BD ACT | 72201R874 |  | 1220335 | 24324 | SH |  | SOLE |  | 0 | 0 | 24324 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1542154 | 9680 | SH |  | SOLE |  | 0 | 0 | 9680 |
| PROLOGIS INC. | COM | 74340W103 |  | 206666 | 1966 | SH |  | SOLE |  | 0 | 0 | 1966 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 26065316 | 1030250 | SH |  | SOLE |  | 430 | 0 | 1029820 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 50863478 | 1813315 | SH |  | SOLE |  | 657 | 0 | 1812658 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 784232 | 26848 | SH |  | SOLE |  | 0 | 0 | 26848 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 417740 | 13860 | SH |  | SOLE |  | 0 | 0 | 13860 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 2925515 | 109652 | SH |  | SOLE |  | 0 | 0 | 109652 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 3865261 | 158153 | SH |  | SOLE |  | 0 | 0 | 158153 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 495398 | 23412 | SH |  | SOLE |  | 0 | 0 | 23412 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 6028101 | 272765 | SH |  | SOLE |  | 0 | 0 | 272765 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 88097236 | 3696905 | SH |  | SOLE |  | 1750 | 0 | 3695155 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 11125957 | 478742 | SH |  | SOLE |  | 0 | 0 | 478742 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 |  | 362739 | 8517 | SH |  | SOLE |  | 0 | 0 | 8517 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 261554 | 3084 | SH |  | SOLE |  | 0 | 0 | 3084 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 297043 | 5672 | SH |  | SOLE |  | 0 | 0 | 5672 |
| SOUTHERN CO | COM | 842587107 |  | 202026 | 2200 | SH |  | SOLE |  | 0 | 0 | 2200 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 3177853 | 10425 | SH |  | SOLE |  | 0 | 0 | 10425 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 3229701 | 5227 | SH |  | SOLE |  | 0 | 0 | 5227 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 355362 | 3874 | SH |  | SOLE |  | 0 | 0 | 3874 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 470291 | 6470 | SH |  | SOLE |  | 0 | 0 | 6470 |
| STARWOOD PPTY TR INC | COM | 85571B105 |  | 218823 | 10903 | SH |  | SOLE |  | 0 | 0 | 10903 |
| TESLA INC | COM | 88160R101 |  | 3398327 | 10698 | SH |  | SOLE |  | 0 | 0 | 10698 |
| TEXAS INSTRS INC | COM | 882508104 |  | 1202327 | 5791 | SH |  | SOLE |  | 0 | 0 | 5791 |
| UNDER ARMOUR INC | CL C | 904311206 |  | 84392 | 13003 | SH |  | SOLE |  | 0 | 0 | 13003 |
| UNION PAC CORP | COM | 907818108 |  | 226859 | 986 | SH |  | SOLE |  | 0 | 0 | 986 |
| UNITED STS OIL FD LP | UNITS | 91232N207 |  | 213847 | 2925 | SH |  | SOLE |  | 0 | 0 | 2925 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 547189 | 1754 | SH |  | SOLE |  | 0 | 0 | 1754 |
| UPSTART HLDGS INC | COM | 91680M107 |  | 272303 | 4210 | SH |  | SOLE |  | 0 | 0 | 4210 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 1044971 | 9954 | SH |  | SOLE |  | 0 | 0 | 9954 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 417675 | 4126 | SH |  | SOLE |  | 0 | 0 | 4126 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 240979 | 3062 | SH |  | SOLE |  | 0 | 0 | 3062 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1477193 | 8358 | SH |  | SOLE |  | 0 | 0 | 8358 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1468577 | 4832 | SH |  | SOLE |  | 0 | 0 | 4832 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 2676017 | 9563 | SH |  | SOLE |  | 0 | 0 | 9563 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 202486 | 712 | SH |  | SOLE |  | 0 | 0 | 712 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 8052295 | 14176 | SH |  | SOLE |  | 0 | 0 | 14176 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 790230 | 4805 | SH |  | SOLE |  | 0 | 0 | 4805 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 38636110 | 139511 | SH |  | SOLE |  | 40 | 0 | 139471 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 357617 | 1834 | SH |  | SOLE |  | 0 | 0 | 1834 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 1202972 | 2744 | SH |  | SOLE |  | 0 | 0 | 2744 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 905924 | 13477 | SH |  | SOLE |  | 0 | 0 | 13477 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 1317156 | 9801 | SH |  | SOLE |  | 0 | 0 | 9801 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 3696937 | 74746 | SH |  | SOLE |  | 0 | 0 | 74746 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 331983 | 6604 | SH |  | SOLE |  | 0 | 0 | 6604 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 205324 | 2972 | SH |  | SOLE |  | 0 | 0 | 2972 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 4481040 | 78601 | SH |  | SOLE |  | 0 | 0 | 78601 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 354878 | 1429 | SH |  | SOLE |  | 0 | 0 | 1429 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 221344 | 1254 | SH |  | SOLE |  | 0 | 0 | 1254 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 348961 | 526 | SH |  | SOLE |  | 0 | 0 | 526 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 241374 | 5578 | SH |  | SOLE |  | 0 | 0 | 5578 |
| WALMART INC | COM | 931142103 |  | 8250375 | 84377 | SH |  | SOLE |  | 0 | 0 | 84377 |
| WIDEPOINT CORP | COMMON | 967590209 |  | 402698 | 117748 | SH |  | SOLE |  | 0 | 0 | 117748 |
| WORTHINGTON ENTERPRISES INC | COM | 981811102 |  | 854762 | 13431 | SH |  | SOLE |  | 0 | 0 | 13431 |
| WORTHINGTON STL INC | COM SHS | 982104101 |  | 263674 | 8839 | SH |  | SOLE |  | 0 | 0 | 8839 |

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