# EDGAR Filing Document

**Accession Number:** 0001830823
**File Stem:** 0001830823-26-000001
**Filing Date:** 2026-1
**Character Count:** 23453
**Document Hash:** 3c4e1a48d46a1d7de99f0cef526a46b9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001830823-26-000001.hdr.sgml**: 20260120

**ACCESSION NUMBER**: 0001830823-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260120

**DATE AS OF CHANGE**: 20260120

**EFFECTIVENESS DATE**: 20260120

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** eCIO, Inc.
- **CENTRAL INDEX KEY:** 0001830823

**ORGANIZATION NAME:**
- **EIN:** 833157095
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25634
- **FILM NUMBER:** 26542293

**BUSINESS ADDRESS:**
- **STREET 1:** 821 E. WASHINGTON AVENUE
- **STREET 2:** SUITE 200
- **CITY:** MADISON
- **STATE:** WI
- **ZIP:** 53703
- **BUSINESS PHONE:** (608) 291-4646

**MAIL ADDRESS:**
- **STREET 1:** 821 E. WASHINGTON AVENUE
- **STREET 2:** SUITE 200
- **CITY:** MADISON
- **STATE:** WI
- **ZIP:** 53703

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** eCIO Inc.<br>**Address:** 821 E. WASHINGTON AVENUE<br>SUITE 200<br>MADISON, WI 53703

**Form 13F File Number:** 028-25634

**CRD Number (if applicable):** 000301432

**SEC File Number (if applicable):** 801-129326

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:** Christina Duncan<br>**Title:** Compliance Consultant<br>**Phone:** (720) 961-5825

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

Christina Duncan  Westminster, CO  01-20-2026<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:** 192

**Form 13F Information Table Value Total:** $214731958

      (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 Company | MMM | 88579Y101 |  | 8124 | 51 | SH |  | SOLE | 0 | 0 | 0 | 51 |
| Abbott Laboratories | ABT | 002824100 |  | 134436 | 1073 | SH |  | SOLE | 0 | 0 | 0 | 1073 |
| AbbVie Inc | ABBV | 00287Y109 |  | 158344 | 693 | SH |  | SOLE | 0 | 0 | 0 | 693 |
| Accenture PLC | ACN | G1151C101 |  | 83441 | 311 | SH |  | SOLE | 0 | 0 | 0 | 311 |
| Aflac Incorporated | AFL | 001055102 |  | 13232 | 120 | SH |  | SOLE | 0 | 0 | 0 | 120 |
| Agilent Technologies Inc | A | 00846U101 |  | 97426 | 716 | SH |  | SOLE | 0 | 0 | 0 | 716 |
| Air Products and Chemicals Inc | APD | 009158106 |  | 78058 | 316 | SH |  | SOLE | 0 | 0 | 0 | 316 |
| Airbnb Inc | ABNB | 009066101 |  | 66367 | 489 | SH |  | SOLE | 0 | 0 | 0 | 489 |
| Alcon Inc | ALC | H01301128 |  | 34598 | 439 | SH |  | SOLE | 0 | 0 | 0 | 439 |
| Alphabet Inc | GOOG | 02079K107 |  | 498942 | 1590 | SH |  | SOLE | 0 | 0 | 0 | 1590 |
| ALPS Sector Dividend Dogs ETF | SDOG | 00162Q858 |  | 98788 | 1634 | SH |  | SOLE | 0 | 0 | 0 | 1634 |
| Amazon.com Inc | AMZN | 023135106 |  | 315300 | 1366 | SH |  | SOLE | 0 | 0 | 0 | 1366 |
| Amphenol Corporation | APH | 032095101 |  | 82300 | 609 | SH |  | SOLE | 0 | 0 | 0 | 609 |
| Analog Devices Inc | ADI | 032654105 |  | 230520 | 850 | SH |  | SOLE | 0 | 0 | 0 | 850 |
| Apple Inc | AAPL | 037833100 |  | 112006 | 412 | SH |  | SOLE | 0 | 0 | 0 | 412 |
| Arch Capital Group | ACGL | G0450A105 |  | 161817 | 1687 | SH |  | SOLE | 0 | 0 | 0 | 1687 |
| ARISTA NETWORKS INC COMMON STOCK | ANET | 040413205 |  | 53329 | 407 | SH |  | SOLE | 0 | 0 | 0 | 407 |
| Asbury Automotive Group Inc | ABG | 043436104 |  | 33484 | 144 | SH |  | SOLE | 0 | 0 | 0 | 144 |
| Automatic Data Processing Inc | ADP | 053015103 |  | 144820 | 563 | SH |  | SOLE | 0 | 0 | 0 | 563 |
| Bank of America Corporation | BAC | 060505104 |  | 146905 | 2671 | SH |  | SOLE | 0 | 0 | 0 | 2671 |
| Baxter International Inc | BAX | 071813109 |  | 1911 | 100 | SH |  | SOLE | 0 | 0 | 0 | 100 |
| Bio-Techne Corporation | TECH | 09073M104 |  | 30052 | 511 | SH |  | SOLE | 0 | 0 | 0 | 511 |
| BLACKROCK FDG INC COM | BLK | 09290D101 |  | 214068 | 200 | SH |  | SOLE | 0 | 0 | 0 | 200 |
| BlackRock International Instl | MAILX | 09248G404 |  | 108413 | 4892 | SH |  | SOLE | 0 | 0 | 0 | 4892 |
| BONDBLOXX ETF TRUST BONDBLOXX BLOOMBERG ONE YEAR TARGET DURATION US TREASRY ETF | XONE | 09789C861 |  | 3881986 | 78369 | SH |  | SOLE | 0 | 0 | 0 | 78369 |
| BONDBLOXX ETF TRUST BONDBLOXX BLOOMBERG SIX MONTH TARGET DURATION US TREASRY ETF | XHLF | 09789C788 |  | 4167202 | 82929 | SH |  | SOLE | 0 | 0 | 0 | 82929 |
| BROOKFIELD ASSET MANAGEMENT LTD CLASS A LTD VOTING SHS ISIN #CA1130041058 SEDOL #BPCPYH2 | BAM | 113004105 |  | 42017 | 802 | SH |  | SOLE | 0 | 0 | 0 | 802 |
| BROOKFIELD CORP VTG SHS CL A | BN | 11271J107 |  | 85814 | 1870 | SH |  | SOLE | 0 | 0 | 0 | 1870 |
| Brown  Brown Inc | BRO | 115236101 |  | 67028 | 841 | SH |  | SOLE | 0 | 0 | 0 | 841 |
| Carlisle Companies Incorporated | CSL | 142339100 |  | 64612 | 202 | SH |  | SOLE | 0 | 0 | 0 | 202 |
| CASCADE PRIVATE CAP FUND CL I SHS | CPEFX | 14734A101 |  | 410830 | 20368 | SH |  | SOLE | 0 | 0 | 0 | 20368 |
| CDW Corporation | CDW | 12514G108 |  | 61290 | 450 | SH |  | SOLE | 0 | 0 | 0 | 450 |
| CENCORA INC | COR | 03073E105 |  | 20941 | 62 | SH |  | SOLE | 0 | 0 | 0 | 62 |
| Chevron Corporation | CVX | 166764100 |  | 204229 | 1340 | SH |  | SOLE | 0 | 0 | 0 | 1340 |
| Cisco Systems Inc | CSCO | 17275R102 |  | 46500 | 604 | SH |  | SOLE | 0 | 0 | 0 | 604 |
| CME Group Inc | CME | 12572Q105 |  | 196071 | 718 | SH |  | SOLE | 0 | 0 | 0 | 718 |
| Colgate-Palmolive Company | CL | 194162103 |  | 74832 | 947 | SH |  | SOLE | 0 | 0 | 0 | 947 |
| Communication Services Select Sector SPDR Fund | XLC | 81369Y852 |  | 127898 | 1086 | SH |  | SOLE | 0 | 0 | 0 | 1086 |
| Consumer Discretionary Select Sector SPDR Fund | XLY | 81369Y407 |  | 135678 | 1136 | SH |  | SOLE | 0 | 0 | 0 | 1136 |
| Copart Inc | CPRT | 217204106 |  | 62601 | 1599 | SH |  | SOLE | 0 | 0 | 0 | 1599 |
| Costco Wholesale Corporation | COST | 22160K105 |  | 38805 | 45 | SH |  | SOLE | 0 | 0 | 0 | 45 |
| Cullen/Frost Bankers Inc | CFR | 229899109 |  | 22287 | 176 | SH |  | SOLE | 0 | 0 | 0 | 176 |
| Cummins Inc. | CMI | 231021106 |  | 85756 | 168 | SH |  | SOLE | 0 | 0 | 0 | 168 |
| Danaher Corporation | DHR | 235851102 |  | 137810 | 602 | SH |  | SOLE | 0 | 0 | 0 | 602 |
| DBX ETF TR XTRACKERS S ESG DIVIDEND ARISTOCRATS ETF | SNPD | 23306X506 |  | 3059406 | 113849 | SH |  | SOLE | 0 | 0 | 0 | 113849 |
| Deere  Company | DE | 244199105 |  | 112202 | 241 | SH |  | SOLE | 0 | 0 | 0 | 241 |
| DELL INTL LLC/EMC CORP | 5CVWGY4 | 24703DBP5 |  | 46975 | 47000 | SH |  | SOLE | 0 | 0 | 0 | 47000 |
| DUKE ENERGY CORP | 5CQSXP0 | 26441CCB9 |  | 15141 | 15000 | SH |  | SOLE | 0 | 0 | 0 | 15000 |
| Eaton Vance Richard Bern Eq St I | ERBIX | 277902573 |  | 132294 | 7285 | SH |  | SOLE | 0 | 0 | 0 | 7285 |
| Ecolab Inc | ECL | 278865100 |  | 21264 | 81 | SH |  | SOLE | 0 | 0 | 0 | 81 |
| ELEVANCE HEALTH INC | ELV | 036752103 |  | 58191 | 166 | SH |  | SOLE | 0 | 0 | 0 | 166 |
| Eli Lilly and Company | LLY | 532457108 |  | 933038 | 868 | SH |  | SOLE | 0 | 0 | 0 | 868 |
| Energy Select Sector SPDR Fund | XLE | 81369Y506 |  | 11542 | 258 | SH |  | SOLE | 0 | 0 | 0 | 258 |
| EOG Resources Inc | EOG | 26875P101 |  | 119606 | 1139 | SH |  | SOLE | 0 | 0 | 0 | 1139 |
| Equifax Inc | EFX | 294429105 |  | 18877 | 87 | SH |  | SOLE | 0 | 0 | 0 | 87 |
| Exact Sciences Corporation | EXAS | 30063P105 |  | 339718 | 3345 | SH |  | SOLE | 0 | 0 | 0 | 3345 |
| Expeditors International of Washington Inc | EXPD | 302130109 |  | 36507 | 245 | SH |  | SOLE | 0 | 0 | 0 | 245 |
| Exxon Mobil Corporation | XOM | 30231G102 |  | 204698 | 1701 | SH |  | SOLE | 0 | 0 | 0 | 1701 |
| Fastenal Company | FAST | 311900104 |  | 111000 | 2766 | SH |  | SOLE | 0 | 0 | 0 | 2766 |
| FERGUSON ENTERPRISES INC COMMON STOCK | FERG | 31488V107 |  | 117549 | 528 | SH |  | SOLE | 0 | 0 | 0 | 528 |
| Fidelity MSCI Utilities Index ETF | FUTY | 316092865 |  | 7891 | 143 | SH |  | SOLE | 0 | 0 | 0 | 143 |
| Financial Select Sector SPDR Fund | XLF | 81369Y605 |  | 56827 | 1038 | SH |  | SOLE | 0 | 0 | 0 | 1038 |
| First Trust NASDAQ Cybersecurity ETF | CIBR | 33734X846 |  | 24650 | 345 | SH |  | SOLE | 0 | 0 | 0 | 345 |
| Floor  Decor Holdings Inc | FND | 339750101 |  | 41101 | 675 | SH |  | SOLE | 0 | 0 | 0 | 675 |
| Gartner Inc | IT | 366651107 |  | 73161 | 290 | SH |  | SOLE | 0 | 0 | 0 | 290 |
| Gencor Industries Inc | GENC | 368678108 |  | 45788 | 3533 | SH |  | SOLE | 0 | 0 | 0 | 3533 |
| GLACIER BANCORP INC NEW     COM | GBCI | 37637Q105 |  | 21188 | 481 | SH |  | SOLE | 0 | 0 | 0 | 481 |
| Global X U.S. Infrastructure Development ETF | PAVE | 37954Y673 |  | 27288 | 571 | SH |  | SOLE | 0 | 0 | 0 | 571 |
| Graco Inc | GGG | 384109104 |  | 19427 | 237 | SH |  | SOLE | 0 | 0 | 0 | 237 |
| Health Care Select Sector SPDR Fund | XLV | 81369Y209 |  | 80214 | 518 | SH |  | SOLE | 0 | 0 | 0 | 518 |
| Honeywell International Inc | HON | 438516106 |  | 233718 | 1198 | SH |  | SOLE | 0 | 0 | 0 | 1198 |
| Illinois Tool Works Inc | ITW | 452308109 |  | 143593 | 583 | SH |  | SOLE | 0 | 0 | 0 | 583 |
| Intel Corporation | INTC | 458140100 |  | 996 | 27 | SH |  | SOLE | 0 | 0 | 0 | 27 |
| Invesco Aerospace  Defense ETF | PPA | 46137V100 |  | 27724 | 177 | SH |  | SOLE | 0 | 0 | 0 | 177 |
| Invesco DB Commodity Index Tracking Fund | DBC | 46138B103 |  | 57435 | 2569 | SH |  | SOLE | 0 | 0 | 0 | 2569 |
| Invesco KBW Bank ETF | KBWB | 46138E628 |  | 15589 | 185 | SH |  | SOLE | 0 | 0 | 0 | 185 |
| Invesco S 500 GARP ETF | SPGP | 46137V431 |  | 108369 | 952 | SH |  | SOLE | 0 | 0 | 0 | 952 |
| iShares Core 1-5 Year USD Bond ETF | ISTB | 46432F859 |  | 2697951 | 55343 | SH |  | SOLE | 0 | 0 | 0 | 55343 |
| iShares Core Dividend Growth ETF | DGRO | 46434V621 |  | 125410 | 1807 | SH |  | SOLE | 0 | 0 | 0 | 1807 |
| iShares Core MSCI Emerging Markets ETF | IEMG | 46434G103 |  | 4848985 | 72136 | SH |  | SOLE | 0 | 0 | 0 | 72136 |
| iShares Core S Small-Cap ETF | IJR | 464287804 |  | 11130841 | 92618 | SH |  | SOLE | 0 | 0 | 0 | 92618 |
| iShares Core S U.S. Value ETF | IUSV | 464287663 |  | 374942 | 3657 | SH |  | SOLE | 0 | 0 | 0 | 3657 |
| iShares Core U.S. Aggregate Bond ETF | AGG | 464287226 |  | 34258735 | 342999 | SH |  | SOLE | 0 | 0 | 0 | 342999 |
| iShares ESG Aware 1-5 Year USD Corporate Bond ETF | SUSB | 46435G243 |  | 1399505 | 55448 | SH |  | SOLE | 0 | 0 | 0 | 55448 |
| iShares ESG Aware U.S. Aggregate Bond ETF | EAGG | 46435U549 |  | 6405190 | 133860 | SH |  | SOLE | 0 | 0 | 0 | 133860 |
| iShares ESG MSCI EAFE ETF | ESGD | 46435G516 |  | 2741198 | 28827 | SH |  | SOLE | 0 | 0 | 0 | 28827 |
| iShares ESG MSCI EM ETF | ESGE | 46434G863 |  | 721668 | 16338 | SH |  | SOLE | 0 | 0 | 0 | 16338 |
| iShares ESG MSCI USA Small-Cap ETF | ESML | 46435U663 |  | 3287600 | 71501 | SH |  | SOLE | 0 | 0 | 0 | 71501 |
| iShares Global Clean Energy ETF | ICLN | 464288224 |  | 7157 | 436 | SH |  | SOLE | 0 | 0 | 0 | 436 |
| iShares Gold Trust | IAU | 464285204 |  | 65017 | 801 | SH |  | SOLE | 0 | 0 | 0 | 801 |
| iShares MSCI USA ESG Select ETF | SUSA | 464288802 |  | 9200900 | 66030 | SH |  | SOLE | 0 | 0 | 0 | 66030 |
| iShares Nasdaq Biotechnology ETF | IBB | 464287556 |  | 21626 | 128 | SH |  | SOLE | 0 | 0 | 0 | 128 |
| iShares Short-Term Corporate Bond ETF | IGSB | 464288646 |  | 226978 | 4292 | SH |  | SOLE | 0 | 0 | 0 | 4292 |
| ISHARES TRUST ESG ADVANCED MSCI USA ETF | UXSF | 46436E767 |  | 698624 | 12133 | SH |  | SOLE | 0 | 0 | 0 | 12133 |
| iShares U.S. Home Construction ETF | ITB | 464288752 |  | 13216 | 137 | SH |  | SOLE | 0 | 0 | 0 | 137 |
| iShares U.S. Infrastructure ETF | IFRA | 46435U713 |  | 8149 | 155 | SH |  | SOLE | 0 | 0 | 0 | 155 |
| JANUS HENDERSON AAA CLO ETF | JAAA | 47103U845 |  | 8686181 | 171732 | SH |  | SOLE | 0 | 0 | 0 | 171732 |
| Johnson  Johnson | JNJ | 478160104 |  | 249166 | 1204 | SH |  | SOLE | 0 | 0 | 0 | 1204 |
| JP Morgan Chase  Co. | JPM | 46625H100 |  | 189788 | 589 | SH |  | SOLE | 0 | 0 | 0 | 589 |
| JPMORGAN CHASE  CO | 5CPRFF7 | 46647PDW3 |  | 25390 | 25000 | SH |  | SOLE | 0 | 0 | 0 | 25000 |
| JPMorgan Equity Premium Income ETF | JEPI | 46641Q332 |  | 97079 | 1696 | SH |  | SOLE | 0 | 0 | 0 | 1696 |
| KENVUE INC COMMON STOCK | KVUE | 49177J102 |  | 1725 | 100 | SH |  | SOLE | 0 | 0 | 0 | 100 |
| Keysight Technologies Inc | KEYS | 49338L103 |  | 132683 | 653 | SH |  | SOLE | 0 | 0 | 0 | 653 |
| Kinsale Capital Group Inc | KNSL | 49714P108 |  | 28552 | 73 | SH |  | SOLE | 0 | 0 | 0 | 73 |
| LABCORP HOLDINGS INC COMMON STOCK | LH | 504922105 |  | 57953 | 231 | SH |  | SOLE | 0 | 0 | 0 | 231 |
| Liberty Broadband Corporation | LBRDK | 530307305 |  | 30424 | 626 | SH |  | SOLE | 0 | 0 | 0 | 626 |
| LIBERTY MEDIA CORP DEL COM LIBERTY FORMULA ONE SER C | L027957 | 531229755 |  | 57136 | 580 | SH |  | SOLE | 0 | 0 | 0 | 580 |
| LINDE PLC COM EUR0.001 | LIN | G54950103 |  | 40507 | 95 | SH |  | SOLE | 0 | 0 | 0 | 95 |
| Lithia Motors Inc | LAD | 536797103 |  | 41541 | 125 | SH |  | SOLE | 0 | 0 | 0 | 125 |
| Lowe's Companies Inc | LOW | 548661107 |  | 226932 | 941 | SH |  | SOLE | 0 | 0 | 0 | 941 |
| Marsh  McLennan Companies Inc | MMC | 571748102 |  | 134316 | 724 | SH |  | SOLE | 0 | 0 | 0 | 724 |
| McDonald's Corporation | MCD | 580135101 |  | 132949 | 435 | SH |  | SOLE | 0 | 0 | 0 | 435 |
| Medpace Holdings Inc | MEDP | 58506Q109 |  | 65713 | 117 | SH |  | SOLE | 0 | 0 | 0 | 117 |
| Medtronic PLC | MDT | G5960L103 |  | 154176 | 1605 | SH |  | SOLE | 0 | 0 | 0 | 1605 |
| Merck  Co | MRK | 58933Y105 |  | 18947 | 180 | SH |  | SOLE | 0 | 0 | 0 | 180 |
| Meta Platforms Inc | META | 30303M102 |  | 66009 | 100 | SH |  | SOLE | 0 | 0 | 0 | 100 |
| MGE Energy Inc | MGEE | 55277P104 |  | 44561 | 568 | SH |  | SOLE | 0 | 0 | 0 | 568 |
| Microchip Technology Incorporated | MCHP | 595017104 |  | 0 | 0 | SH |  | SOLE | 0 | 0 | 0 | 0 |
| Microsoft Corporation | MSFT | 594918104 |  | 326059 | 674 | SH |  | SOLE | 0 | 0 | 0 | 674 |
| MKS Instruments Inc | MKSI | 55306N104 |  | 62961 | 394 | SH |  | SOLE | 0 | 0 | 0 | 394 |
| Moelis  Company | MC | 60786M105 |  | 33201 | 483 | SH |  | SOLE | 0 | 0 | 0 | 483 |
| Morgan Stanley | MS | 617446448 |  | 167056 | 941 | SH |  | SOLE | 0 | 0 | 0 | 941 |
| MSA Safety Incorporated | MSA | 553498106 |  | 26743 | 167 | SH |  | SOLE | 0 | 0 | 0 | 167 |
| MSCI Inc | MSCI | 55354G100 |  | 48767 | 85 | SH |  | SOLE | 0 | 0 | 0 | 85 |
| National Vision Holdings Inc | EYE | 63845R107 |  | 3434 | 133 | SH |  | SOLE | 0 | 0 | 0 | 133 |
| NextEra Energy | NEE | 65339F101 |  | 237950 | 2964 | SH |  | SOLE | 0 | 0 | 0 | 2964 |
| NIKE Inc | NKE | 654106103 |  | 69826 | 1096 | SH |  | SOLE | 0 | 0 | 0 | 1096 |
| Nucor Corporation | NUE | 670346105 |  | 12886 | 79 | SH |  | SOLE | 0 | 0 | 0 | 79 |
| NUSHARES ETF TRUST NUVEEN ESG DIVIDEND ETF | NUDV | 67092P813 |  | 1484697 | 49798 | SH |  | SOLE | 0 | 0 | 0 | 49798 |
| Oracle Corporation | ORCL | 68389X105 |  | 137660 | 706 | SH |  | SOLE | 0 | 0 | 0 | 706 |
| PACCAR Inc | PCAR | 693718108 |  | 105458 | 963 | SH |  | SOLE | 0 | 0 | 0 | 963 |
| Pacer Benchmark Data  Infrastructure Real Estate SCTR ETF | SRVR | 69374H741 |  | 1432 | 50 | SH |  | SOLE | 0 | 0 | 0 | 50 |
| Parker-Hannifin Corporation | PH | 701094104 |  | 115144 | 131 | SH |  | SOLE | 0 | 0 | 0 | 131 |
| PepsiCo Inc | PEP | 713448108 |  | 102904 | 717 | SH |  | SOLE | 0 | 0 | 0 | 717 |
| Qualcomm Inc | QCOM | 747525103 |  | 130169 | 761 | SH |  | SOLE | 0 | 0 | 0 | 761 |
| Rockwell Automation Inc | ROK | 773903109 |  | 86763 | 223 | SH |  | SOLE | 0 | 0 | 0 | 223 |
| Ross Stores Inc | ROST | 778296103 |  | 113848 | 632 | SH |  | SOLE | 0 | 0 | 0 | 632 |
| S Global Inc | SPGI | 78409V104 |  | 10452 | 20 | SH |  | SOLE | 0 | 0 | 0 | 20 |
| salesforce.com inc | CRM | 79466L302 |  | 15630 | 59 | SH |  | SOLE | 0 | 0 | 0 | 59 |
| Schneider Electric S.E | SBGSY | 80687P106 |  | 14722 | 268 | SH |  | SOLE | 0 | 0 | 0 | 268 |
| Schwab Intermediate-Term U.S. Treasury ETF | SCHR | 808524854 |  | 507782 | 20246 | SH |  | SOLE | 0 | 0 | 0 | 20246 |
| Schwab International Equity ETF | SCHF | 808524805 |  | 19335803 | 804318 | SH |  | SOLE | 0 | 0 | 0 | 804318 |
| Schwab International Small-Cap Equity ETF | SCHC | 808524888 |  | 12312 | 270 | SH |  | SOLE | 0 | 0 | 0 | 270 |
| Schwab U.S. Dividend Equity ETF | SCHD | 808524797 |  | 29849385 | 1088202 | SH |  | SOLE | 0 | 0 | 0 | 1088202 |
| Schwab U.S. Mid-Cap Index Fund | SWMCX | 80850L726 |  | 12471840 | 866702 | SH |  | SOLE | 0 | 0 | 0 | 866702 |
| SERVICETITAN INC CLASS A COMMON STOCK | TTAN | 81764X103 |  | 30459 | 286 | SH |  | SOLE | 0 | 0 | 0 | 286 |
| SMITH A O                   COM | AOS | 831865209 |  | 36851 | 551 | SH |  | SOLE | 0 | 0 | 0 | 551 |
| SOLVENTUM CORP COM SHS | SOLV | 83444M101 |  | 1664 | 21 | SH |  | SOLE | 0 | 0 | 0 | 21 |
| SPDR FTSE International Government Inflation-Protected Bond ETF | WIP | 78464A490 |  | 57897 | 1470 | SH |  | SOLE | 0 | 0 | 0 | 1470 |
| SPDR MSCI EAFE Fossil Fuel Free ETF | EFAX | 78470E106 |  | 355011 | 7035 | SH |  | SOLE | 0 | 0 | 0 | 7035 |
| SPDR MSCI Emerging Markets Fossil Fuel Free ETF | EEMX | 78470E205 |  | 38202 | 896 | SH |  | SOLE | 0 | 0 | 0 | 896 |
| SPDR S 500 Fossil Fuel Reserves Free ETF | SPYX | 78468R796 |  | 1156706 | 20586 | SH |  | SOLE | 0 | 0 | 0 | 20586 |
| Starbucks Corporation | SBUX | 855244109 |  | 43789 | 520 | SH |  | SOLE | 0 | 0 | 0 | 520 |
| TE CONNECTIVITY PLC ORD SHS | TEL | G87052109 |  | 174955 | 769 | SH |  | SOLE | 0 | 0 | 0 | 769 |
| Teledyne Technologies Incorporated | TDY | 879360105 |  | 46987 | 92 | SH |  | SOLE | 0 | 0 | 0 | 92 |
| Texas Instruments Incorporated | TXN | 882508104 |  | 266828 | 1538 | SH |  | SOLE | 0 | 0 | 0 | 1538 |
| The Charles Schwab Corporation | SCHW | 808513105 |  | 96513 | 966 | SH |  | SOLE | 0 | 0 | 0 | 966 |
| The Hershey Company | HSY | 427866108 |  | 80435 | 442 | SH |  | SOLE | 0 | 0 | 0 | 442 |
| The Home Depot Inc | HD | 437076102 |  | 179620 | 522 | SH |  | SOLE | 0 | 0 | 0 | 522 |
| The Procter  Gamble Company | PG | 742718109 |  | 126829 | 885 | SH |  | SOLE | 0 | 0 | 0 | 885 |
| The Progressive Corporation | PGR | 743315103 |  | 103613 | 455 | SH |  | SOLE | 0 | 0 | 0 | 455 |
| The Real Estate Select Sector SPDR Fund | XLRE | 81369Y860 |  | 19781 | 490 | SH |  | SOLE | 0 | 0 | 0 | 490 |
| The Travelers Companies | TRV | 89417E109 |  | 36838 | 127 | SH |  | SOLE | 0 | 0 | 0 | 127 |
| The Williams Companies Inc | WMB | 969457100 |  | 0 | 0 | SH |  | SOLE | 0 | 0 | 0 | 0 |
| Thor Industries Inc | THO | 885160101 |  | 48563 | 473 | SH |  | SOLE | 0 | 0 | 0 | 473 |
| TJX Companies Inc | TJX | 872540109 |  | 95238 | 620 | SH |  | SOLE | 0 | 0 | 0 | 620 |
| U.S. Bancorp | USB | 902973304 |  | 10672 | 200 | SH |  | SOLE | 0 | 0 | 0 | 200 |
| Union Pacific Corporation | UNP | 907818108 |  | 160305 | 693 | SH |  | SOLE | 0 | 0 | 0 | 693 |
| United Health Group Inc | UNH | 91324P102 |  | 18816 | 57 | SH |  | SOLE | 0 | 0 | 0 | 57 |
| VanEck Vectors Semiconductor ETF | SMH | 92189F676 |  | 210229 | 584 | SH |  | SOLE | 0 | 0 | 0 | 584 |
| Vanguard Consumer Staples Index Fund ETF Shares | VDC | 92204A207 |  | 43554 | 206 | SH |  | SOLE | 0 | 0 | 0 | 206 |
| Vanguard FTSE All-World ex-US Index Fund ETF | VEU | 922042775 |  | 239480 | 3256 | SH |  | SOLE | 0 | 0 | 0 | 3256 |
| Vanguard High Dividend Yield Index Fund ETF Shares | VYM | 921946406 |  | 104014 | 725 | SH |  | SOLE | 0 | 0 | 0 | 725 |
| Vanguard Industrials Index Fund ETF Shares | VIS | 92204A603 |  | 54154 | 181 | SH |  | SOLE | 0 | 0 | 0 | 181 |
| Vanguard Information Technology Index Fund ETF Shares | VGT | 92204A702 |  | 290497 | 385 | SH |  | SOLE | 0 | 0 | 0 | 385 |
| VANGUARD INSTL INDEX FD VANGUARD 0 3 MONTH TREASURY BILL ETF | VBIL | 922040845 |  | 5706115 | 75648 | SH |  | SOLE | 0 | 0 | 0 | 75648 |
| Vanguard Materials Index Fund ETF Shares | VAW | 92204A801 |  | 9376 | 45 | SH |  | SOLE | 0 | 0 | 0 | 45 |
| Vanguard Mortgage-Backed Securities Index Fund ETF Shares | VMBS | 92206C771 |  | 11865720 | 252033 | SH |  | SOLE | 0 | 0 | 0 | 252033 |
| Vanguard Real Estate Index Fund ETF Shares | VNQ | 922908553 |  | 116849 | 1320 | SH |  | SOLE | 0 | 0 | 0 | 1320 |
| Vanguard Short-Term Bond Index Fund ETF Shares | BSV | 921937827 |  | 15210939 | 193008 | SH |  | SOLE | 0 | 0 | 0 | 193008 |
| Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares | VTIP | 922020805 |  | 253368 | 5123 | SH |  | SOLE | 0 | 0 | 0 | 5123 |
| Vanguard Short-Term Treasury Index Fund ETF Shares | VGSH | 92206C102 |  | 1552668 | 26437 | SH |  | SOLE | 0 | 0 | 0 | 26437 |
| Vanguard Total Bond Market Index Fund ETF Shares | BND | 921937835 |  | 1102912 | 14890 | SH |  | SOLE | 0 | 0 | 0 | 14890 |
| Vanguard Total Stock Market Index Fund ETF Shares | VTI | 922908769 |  | 817943 | 2440 | SH |  | SOLE | 0 | 0 | 0 | 2440 |
| Vanguard Total World Stock Index Fund ETF Shares | VT | 922042742 |  | 253794 | 1799 | SH |  | SOLE | 0 | 0 | 0 | 1799 |
| Vertex Pharmaceuticals Inc | VRTX | 92532F100 |  | 6800 | 15 | SH |  | SOLE | 0 | 0 | 0 | 15 |
| Visa Inc | V | 92826C839 |  | 138180 | 394 | SH |  | SOLE | 0 | 0 | 0 | 394 |
| W. R. Berkley Corporation | WRB | 084423102 |  | 53992 | 770 | SH |  | SOLE | 0 | 0 | 0 | 770 |
| Waste Management Inc | WM | 94106L109 |  | 50051 | 228 | SH |  | SOLE | 0 | 0 | 0 | 228 |
| Waters Corporation | WAT | 941848103 |  | 48998 | 129 | SH |  | SOLE | 0 | 0 | 0 | 129 |
| WELLS FARGO  CO | 5CNDRL1 | 95000U3F8 |  | 15746 | 15000 | SH |  | SOLE | 0 | 0 | 0 | 15000 |
| Workday Inc | WDAY | 98138H101 |  | 35868 | 167 | SH |  | SOLE | 0 | 0 | 0 | 167 |

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