# EDGAR Filing Document

**Accession Number:** 0001748271
**File Stem:** 0001748271-25-000006
**Filing Date:** 2025-8
**Character Count:** 21374
**Document Hash:** e0d8dd89dcce1c6fbdcf5f47213c8043
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001748271-25-000006.hdr.sgml**: 20250801

**ACCESSION NUMBER**: 0001748271-25-000006

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250801

**DATE AS OF CHANGE**: 20250801

**EFFECTIVENESS DATE**: 20250801

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Facet Wealth, Inc.
- **CENTRAL INDEX KEY:** 0001748271

**ORGANIZATION NAME:**
- **EIN:** 813453207
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21141
- **FILM NUMBER:** 251175292

**BUSINESS ADDRESS:**
- **STREET 1:** 400 E. PRATT STREET, 8TH FLOOR
- **CITY:** BALTIMORE
- **STATE:** MD
- **ZIP:** 21202
- **BUSINESS PHONE:** 410-657-3257

**MAIL ADDRESS:**
- **STREET 1:** 400 E. PRATT STREET, 8TH FLOOR
- **CITY:** BALTIMORE
- **STATE:** MD
- **ZIP:** 21202

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** OneK Financial, Inc.
- **DATE OF NAME CHANGE:** 20180726

### 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:** Facet Wealth Inc.<br>**Address:** 400 E. PRATT STREET 8TH FLOOR<br>BALTIMORE, MD 21202

**Form 13F File Number:** 028-21141

**CRD Number (if applicable):** 000285961

**SEC File Number (if applicable):** 801-108767

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:** Chris Hufman<br>**Title:** CCO<br>**Phone:** 4433766235

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

Chris Hufman  Baltimore, MD  08-01-2025<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:** 174

**Form 13F Information Table Value Total:** $4400599210

      (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 |  | 301272 | 2387 | SH |  | SOLE | 0 | 0 | 0 | 2387 |
| ABBVIE INC | COM | 00287Y109 |  | 674234 | 3567 | SH |  | SOLE | 0 | 0 | 0 | 3567 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 269237 | 1008 | SH |  | SOLE | 0 | 0 | 0 | 1008 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 282213 | 1601 | SH |  | SOLE | 0 | 0 | 0 | 1601 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1768774 | 9217 | SH |  | SOLE | 0 | 0 | 0 | 9217 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1517418 | 7868 | SH |  | SOLE | 0 | 0 | 0 | 7868 |
| AMAZON COM INC | COM | 023135106 |  | 10334004 | 44142 | SH |  | SOLE | 0 | 0 | 0 | 44142 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 268081 | 2901 | SH |  | SOLE | 0 | 0 | 0 | 2901 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 2302326 | 22331 | SH |  | SOLE | 0 | 0 | 0 | 22331 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 337622 | 1128 | SH |  | SOLE | 0 | 0 | 0 | 1128 |
| AMGEN INC | COM | 031162100 |  | 285106 | 966 | SH |  | SOLE | 0 | 0 | 0 | 966 |
| APPLE INC | COM | 037833100 |  | 26423524 | 127299 | SH |  | SOLE | 0 | 0 | 0 | 127299 |
| APPLIED MATLS INC | COM | 038222105 |  | 255685 | 1420 | SH |  | SOLE | 0 | 0 | 0 | 1420 |
| AT INC | COM | 00206R102 |  | 310852 | 11341 | SH |  | SOLE | 0 | 0 | 0 | 11341 |
| AXON ENTERPRISE INC | COM | 05464C101 |  | 215315 | 285 | SH |  | SOLE | 0 | 0 | 0 | 285 |
| BANK AMERICA CORP | COM | 060505104 |  | 631827 | 13366 | SH |  | SOLE | 0 | 0 | 0 | 13366 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1254246 | 2658 | SH |  | SOLE | 0 | 0 | 0 | 2658 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 719850 | 1 | SH |  | SOLE | 0 | 0 | 0 | 1 |
| BLACKSTONE INC | COM | 09260D107 |  | 373738 | 2161 | SH |  | SOLE | 0 | 0 | 0 | 2161 |
| BOEING CO | COM | 097023105 |  | 310378 | 1399 | SH |  | SOLE | 0 | 0 | 0 | 1399 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 258773 | 47 | SH |  | SOLE | 0 | 0 | 0 | 47 |
| BROADCOM INC | COM | 11135F101 |  | 1740553 | 5926 | SH |  | SOLE | 0 | 0 | 0 | 5926 |
| CATERPILLAR INC | COM | 149123101 |  | 667443 | 1524 | SH |  | SOLE | 0 | 0 | 0 | 1524 |
| CHEVRON CORP NEW | COM | 166764100 |  | 259920 | 1714 | SH |  | SOLE | 0 | 0 | 0 | 1714 |
| CHUBB LIMITED | COM | H1467J104 |  | 201309 | 757 | SH |  | SOLE | 0 | 0 | 0 | 757 |
| CISCO SYS INC | COM | 17275R102 |  | 428904 | 6300 | SH |  | SOLE | 0 | 0 | 0 | 6300 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 387843 | 4068 | SH |  | SOLE | 0 | 0 | 0 | 4068 |
| COPART INC | COM | 217204106 |  | 294736 | 6502 | SH |  | SOLE | 0 | 0 | 0 | 6502 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 2014395 | 2144 | SH |  | SOLE | 0 | 0 | 0 | 2144 |
| DELL TECHNOLOGIES INC | CL C | 24703L202 |  | 271086 | 2043 | SH |  | SOLE | 0 | 0 | 0 | 2043 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 288558 | 6658 | SH |  | SOLE | 0 | 0 | 0 | 6658 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 826413 | 22555 | SH |  | SOLE | 0 | 0 | 0 | 22555 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 457802 | 15630 | SH |  | SOLE | 0 | 0 | 0 | 15630 |
| DISNEY WALT CO | COM | 254687106 |  | 293457 | 2464 | SH |  | SOLE | 0 | 0 | 0 | 2464 |
| DOORDASH INC | CL A | 25809K105 |  | 316066 | 1263 | SH |  | SOLE | 0 | 0 | 0 | 1263 |
| EATON CORP PLC | SHS | G29183103 |  | 265855 | 691 | SH |  | SOLE | 0 | 0 | 0 | 691 |
| ELI LILLY  CO | COM | 532457108 |  | 2062095 | 2786 | SH |  | SOLE | 0 | 0 | 0 | 2786 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 697874 | 6251 | SH |  | SOLE | 0 | 0 | 0 | 6251 |
| GE AEROSPACE | COM NEW | 369604301 |  | 301638 | 1113 | SH |  | SOLE | 0 | 0 | 0 | 1113 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 513948 | 710 | SH |  | SOLE | 0 | 0 | 0 | 710 |
| HCA HEALTHCARE INC | COM | 40412C101 |  | 227616 | 643 | SH |  | SOLE | 0 | 0 | 0 | 643 |
| HOME DEPOT INC | COM | 437076102 |  | 961050 | 2615 | SH |  | SOLE | 0 | 0 | 0 | 2615 |
| HONEYWELL INTL INC | COM | 438516106 |  | 282472 | 1270 | SH |  | SOLE | 0 | 0 | 0 | 1270 |
| INTERACTIVE BROKERS GROUP IN | COM CL A | 45841N107 |  | 312573 | 4768 | SH |  | SOLE | 0 | 0 | 0 | 4768 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1479933 | 5846 | SH |  | SOLE | 0 | 0 | 0 | 5846 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 267005 | 555 | SH |  | SOLE | 0 | 0 | 0 | 555 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 275363 | 1184 | SH |  | SOLE | 0 | 0 | 0 | 1184 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1337840 | 2368 | SH |  | SOLE | 0 | 0 | 0 | 2368 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 19593591 | 324774 | SH |  | SOLE | 0 | 0 | 0 | 324774 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 326576 | 8276 | SH |  | SOLE | 0 | 0 | 0 | 8276 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 110103714 | 707698 | SH |  | SOLE | 0 | 0 | 0 | 707698 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 696382 | 1940 | SH |  | SOLE | 0 | 0 | 0 | 1940 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 |  | 22661038 | 277165 | SH |  | SOLE | 0 | 0 | 0 | 277165 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 9343943 | 197755 | SH |  | SOLE | 0 | 0 | 0 | 197755 |
| ISHARES TR | NEW YORK MUN ETF | 464288323 |  | 20400136 | 392537 | SH |  | SOLE | 0 | 0 | 0 | 392537 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 311614 | 1719 | SH |  | SOLE | 0 | 0 | 0 | 1719 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 203031 | 2013 | SH |  | SOLE | 0 | 0 | 0 | 2013 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 305921 | 2774 | SH |  | SOLE | 0 | 0 | 0 | 2774 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 256104 | 3962 | SH |  | SOLE | 0 | 0 | 0 | 3962 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 70891857 | 1278713 | SH |  | SOLE | 0 | 0 | 0 | 1278713 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 6801959 | 77933 | SH |  | SOLE | 0 | 0 | 0 | 77933 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 31575393 | 196866 | SH |  | SOLE | 0 | 0 | 0 | 196866 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 40761465 | 440141 | SH |  | SOLE | 0 | 0 | 0 | 440141 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 460889798 | 2503203 | SH |  | SOLE | 0 | 0 | 0 | 2503203 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 116280949 | 1119485 | SH |  | SOLE | 0 | 0 | 0 | 1119485 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 543343 | 4770 | SH |  | SOLE | 0 | 0 | 0 | 4770 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 116394553 | 1421700 | SH |  | SOLE | 0 | 0 | 0 | 1421700 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 617794 | 3136 | SH |  | SOLE | 0 | 0 | 0 | 3136 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 468175 | 4996 | SH |  | SOLE | 0 | 0 | 0 | 4996 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 2368779 | 102345 | SH |  | SOLE | 0 | 0 | 0 | 102345 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 747376 | 1697 | SH |  | SOLE | 0 | 0 | 0 | 1697 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 957672 | 2757 | SH |  | SOLE | 0 | 0 | 0 | 2757 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 715957 | 3263 | SH |  | SOLE | 0 | 0 | 0 | 3263 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 407426 | 6464 | SH |  | SOLE | 0 | 0 | 0 | 6464 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 7996640 | 81085 | SH |  | SOLE | 0 | 0 | 0 | 81085 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 10212372 | 73874 | SH |  | SOLE | 0 | 0 | 0 | 73874 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 100431762 | 727134 | SH |  | SOLE | 0 | 0 | 0 | 727134 |
| ISHARES TR | TRS FLT RT BD | 46434V860 |  | 30715443 | 606425 | SH |  | SOLE | 0 | 0 | 0 | 606425 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 258541 | 1323 | SH |  | SOLE | 0 | 0 | 0 | 1323 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 92888147 | 785125 | SH |  | SOLE | 0 | 0 | 0 | 785125 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 299831 | 4734 | SH |  | SOLE | 0 | 0 | 0 | 4734 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 1477591 | 13748 | SH |  | SOLE | 0 | 0 | 0 | 13748 |
| ISHARES TR | CORE S ETF | 464287200 |  | 4018640 | 6330 | SH |  | SOLE | 0 | 0 | 0 | 6330 |
| J P MORGAN EXCHANGE TRADED F | DIV RTN INT EQ | 46641Q209 |  | 225031 | 3564 | SH |  | SOLE | 0 | 0 | 0 | 3564 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 55515522 | 918371 | SH |  | SOLE | 0 | 0 | 0 | 918371 |
| JABIL INC | COM | 466313103 |  | 509497 | 2283 | SH |  | SOLE | 0 | 0 | 0 | 2283 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 1002137 | 19731 | SH |  | SOLE | 0 | 0 | 0 | 19731 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 349866 | 2124 | SH |  | SOLE | 0 | 0 | 0 | 2124 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1499090 | 5060 | SH |  | SOLE | 0 | 0 | 0 | 5060 |
| KONINKLIJKE PHILIPS N V | NY REGIS SHS NEW | 500472303 |  | 238004 | 9084 | SH |  | SOLE | 0 | 0 | 0 | 9084 |
| LUMEN TECHNOLOGIES INC | COM | 550241103 |  | 108487 | 24379 | SH |  | SOLE | 0 | 0 | 0 | 24379 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 451671 | 797 | SH |  | SOLE | 0 | 0 | 0 | 797 |
| MCDONALDS CORP | COM | 580135101 |  | 376888 | 1256 | SH |  | SOLE | 0 | 0 | 0 | 1256 |
| MERCK  CO INC | COM | 58933Y105 |  | 393078 | 5032 | SH |  | SOLE | 0 | 0 | 0 | 5032 |
| META PLATFORMS INC | CL A | 30303M102 |  | 10037161 | 12977 | SH |  | SOLE | 0 | 0 | 0 | 12977 |
| MICROSOFT CORP | COM | 594918104 |  | 5502646 | 10314 | SH |  | SOLE | 0 | 0 | 0 | 10314 |
| MOODYS CORP | COM | 615369105 |  | 225890 | 438 | SH |  | SOLE | 0 | 0 | 0 | 438 |
| NEOS ETF TRUST | NEOS S 500 HI | 78433H303 |  | 255415 | 5016 | SH |  | SOLE | 0 | 0 | 0 | 5016 |
| NETFLIX INC | COM | 64110L106 |  | 1843542 | 1590 | SH |  | SOLE | 0 | 0 | 0 | 1590 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 457481 | 6438 | SH |  | SOLE | 0 | 0 | 0 | 6438 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 7011805 | 39421 | SH |  | SOLE | 0 | 0 | 0 | 39421 |
| ORACLE CORP | COM | 68389X105 |  | 475081 | 1872 | SH |  | SOLE | 0 | 0 | 0 | 1872 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 795075 | 5021 | SH |  | SOLE | 0 | 0 | 0 | 5021 |
| PARSONS CORP DEL | COM | 70202L102 |  | 1703558 | 22959 | SH |  | SOLE | 0 | 0 | 0 | 22959 |
| PEPSICO INC | COM | 713448108 |  | 296844 | 2152 | SH |  | SOLE | 0 | 0 | 0 | 2152 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 373165 | 2480 | SH |  | SOLE | 0 | 0 | 0 | 2480 |
| ROYAL CARIBBEAN GROUP | COM | V7780T103 |  | 281951 | 887 | SH |  | SOLE | 0 | 0 | 0 | 887 |
| RTX CORPORATION | COM | 75513E101 |  | 391137 | 2482 | SH |  | SOLE | 0 | 0 | 0 | 2482 |
| SALESFORCE INC | COM | 79466L302 |  | 331186 | 1282 | SH |  | SOLE | 0 | 0 | 0 | 1282 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 24700768 | 1013573 | SH |  | SOLE | 0 | 0 | 0 | 1013573 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 4197135 | 192617 | SH |  | SOLE | 0 | 0 | 0 | 192617 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 217735 | 7155 | SH |  | SOLE | 0 | 0 | 0 | 7155 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 662772 | 25739 | SH |  | SOLE | 0 | 0 | 0 | 25739 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 33380469 | 1104582 | SH |  | SOLE | 0 | 0 | 0 | 1104582 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 1234266 | 49292 | SH |  | SOLE | 0 | 0 | 0 | 49292 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 530894 | 21485 | SH |  | SOLE | 0 | 0 | 0 | 21485 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 292693 | 10517 | SH |  | SOLE | 0 | 0 | 0 | 10517 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 294006 | 1119 | SH |  | SOLE | 0 | 0 | 0 | 1119 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 15482053 | 359964 | SH |  | SOLE | 0 | 0 | 0 | 359964 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 55510378 | 1390541 | SH |  | SOLE | 0 | 0 | 0 | 1390541 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2391322 | 3783 | SH |  | SOLE | 0 | 0 | 0 | 3783 |
| SPDR SERIES TRUST | S 600 SMCP VAL | 78464A300 |  | 4195130 | 51875 | SH |  | SOLE | 0 | 0 | 0 | 51875 |
| SPDR SERIES TRUST | PORTFLI INTRMDIT | 78464A672 |  | 215275 | 7535 | SH |  | SOLE | 0 | 0 | 0 | 7535 |
| SPDR SERIES TRUST | BLOOMBERG INVT | 78468R200 |  | 31624709 | 1025445 | SH |  | SOLE | 0 | 0 | 0 | 1025445 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 52608599 | 995809 | SH |  | SOLE | 0 | 0 | 0 | 995809 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 2125498 | 28592 | SH |  | SOLE | 0 | 0 | 0 | 28592 |
| SPDR SERIES TRUST | PORTFOLIO AGRGTE | 78464A649 |  | 9563062 | 375907 | SH |  | SOLE | 0 | 0 | 0 | 375907 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 150618137 | 2726120 | SH |  | SOLE | 0 | 0 | 0 | 2726120 |
| SPDR SERIES TRUST | NUVEEN ICE MUNIC | 78468R721 |  | 270817 | 6094 | SH |  | SOLE | 0 | 0 | 0 | 6094 |
| SPDR SERIES TRUST | PORTFOLI S | 78464A805 |  | 14745031 | 192720 | SH |  | SOLE | 0 | 0 | 0 | 192720 |
| SYSCO CORP | COM | 871829107 |  | 849412 | 10671 | SH |  | SOLE | 0 | 0 | 0 | 10671 |
| TESLA INC | COM | 88160R101 |  | 1556455 | 5049 | SH |  | SOLE | 0 | 0 | 0 | 5049 |
| TJX COS INC NEW | COM | 872540109 |  | 241980 | 1943 | SH |  | SOLE | 0 | 0 | 0 | 1943 |
| UBER TECHNOLOGIES INC | COM | 90353T100 |  | 287311 | 3274 | SH |  | SOLE | 0 | 0 | 0 | 3274 |
| UNION PAC CORP | COM | 907818108 |  | 246165 | 1109 | SH |  | SOLE | 0 | 0 | 0 | 1109 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 280254 | 1123 | SH |  | SOLE | 0 | 0 | 0 | 1123 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 308706 | 1069 | SH |  | SOLE | 0 | 0 | 0 | 1069 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 398004967 | 5437226 | SH |  | SOLE | 0 | 0 | 0 | 5437226 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 218205 | 4422 | SH |  | SOLE | 0 | 0 | 0 | 4422 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 8679296 | 43775 | SH |  | SOLE | 0 | 0 | 0 | 43775 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 589251059 | 1895368 | SH |  | SOLE | 0 | 0 | 0 | 1895368 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 425839 | 1763 | SH |  | SOLE | 0 | 0 | 0 | 1763 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 421242 | 4726 | SH |  | SOLE | 0 | 0 | 0 | 4726 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 12646667 | 21766 | SH |  | SOLE | 0 | 0 | 0 | 21766 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 381926 | 2282 | SH |  | SOLE | 0 | 0 | 0 | 2282 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 1384646 | 7002 | SH |  | SOLE | 0 | 0 | 0 | 7002 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 12064252 | 26504 | SH |  | SOLE | 0 | 0 | 0 | 26504 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 25255766 | 88310 | SH |  | SOLE | 0 | 0 | 0 | 88310 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 253285460 | 1430668 | SH |  | SOLE | 0 | 0 | 0 | 1430668 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 4559704 | 68464 | SH |  | SOLE | 0 | 0 | 0 | 68464 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 229197 | 1764 | SH |  | SOLE | 0 | 0 | 0 | 1764 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 257477 | 3404 | SH |  | SOLE | 0 | 0 | 0 | 3404 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 427448 | 3198 | SH |  | SOLE | 0 | 0 | 0 | 3198 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 151590480 | 3043986 | SH |  | SOLE | 0 | 0 | 0 | 3043986 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 101076832 | 2076352 | SH |  | SOLE | 0 | 0 | 0 | 2076352 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 124192911 | 1502091 | SH |  | SOLE | 0 | 0 | 0 | 1502091 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 30593949 | 522527 | SH |  | SOLE | 0 | 0 | 0 | 522527 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 25225384 | 455250 | SH |  | SOLE | 0 | 0 | 0 | 455250 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 5304538 | 46773 | SH |  | SOLE | 0 | 0 | 0 | 46773 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 785219 | 3811 | SH |  | SOLE | 0 | 0 | 0 | 3811 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 633832 | 9257 | SH |  | SOLE | 0 | 0 | 0 | 9257 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 639708487 | 11378664 | SH |  | SOLE | 0 | 0 | 0 | 11378664 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 636252 | 4744 | SH |  | SOLE | 0 | 0 | 0 | 4744 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 101861154 | 267668 | SH |  | SOLE | 0 | 0 | 0 | 267668 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 19512641 | 301167 | SH |  | SOLE | 0 | 0 | 0 | 301167 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 39739310 | 355005 | SH |  | SOLE | 0 | 0 | 0 | 355005 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 366959 | 531 | SH |  | SOLE | 0 | 0 | 0 | 531 |
| VEEVA SYS INC | CL A COM | 922475108 |  | 381396 | 1342 | SH |  | SOLE | 0 | 0 | 0 | 1342 |
| VERTEX PHARMACEUTICALS INC | COM | 92532F100 |  | 243512 | 533 | SH |  | SOLE | 0 | 0 | 0 | 533 |
| VISA INC | COM CL A | 92826C839 |  | 861602 | 2494 | SH |  | SOLE | 0 | 0 | 0 | 2494 |
| WALMART INC | COM | 931142103 |  | 905932 | 9246 | SH |  | SOLE | 0 | 0 | 0 | 9246 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 292954 | 1278 | SH |  | SOLE | 0 | 0 | 0 | 1278 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 247615 | 3071 | SH |  | SOLE | 0 | 0 | 0 | 3071 |
| WELLTOWER INC | COM | 95040Q104 |  | 211125 | 1279 | SH |  | SOLE | 0 | 0 | 0 | 1279 |

---