# EDGAR Filing Document

**Accession Number:** 0001739043
**File Stem:** 0001739043-26-000003
**Filing Date:** 2026-1
**Character Count:** 29900
**Document Hash:** 0f1f6292830ababdc2d25e78e71334e1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001739043-26-000003.hdr.sgml**: 20260121

**ACCESSION NUMBER**: 0001739043-26-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260121

**DATE AS OF CHANGE**: 20260121

**EFFECTIVENESS DATE**: 20260121

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Winthrop Advisory Group LLC
- **CENTRAL INDEX KEY:** 0001739043

**ORGANIZATION NAME:**
- **EIN:** 820994658
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18734
- **FILM NUMBER:** 26546961

**BUSINESS ADDRESS:**
- **STREET 1:** 321 COLUMBUS AVE
- **STREET 2:** 3RD FLOOR
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02116
- **BUSINESS PHONE:** 6175301010

**MAIL ADDRESS:**
- **STREET 1:** 321 COLUMBUS AVE
- **STREET 2:** 3RD FLOOR
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02116

### FORM 13F COVER PAGE

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

**Check here if Amendment** [x] **Amendment Number:** 1

**This Amendment (Check only one.):** [x] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Winthrop Advisory Group LLC<br>**Address:** 321 COLUMBUS AVE<br>3RD FLOOR<br>BOSTON, MA 02116

**Form 13F File Number:** 028-18734

**CRD Number (if applicable):** 000288178

**SEC File Number (if applicable):** 801-110461

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:** Richard C. St. Onge<br>**Title:** Chief Compliance Officer<br>**Phone:** 6175301012

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

Richard C. St. Onge  Boston, MA  01-21-2026<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:** 2

**Form 13F Information Table Entry Total:** 275

**Form 13F Information Table Value Total:** $1180068947

      (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.]

| No.   | Name                    | Form 13F File Number   |
|:---|:---|:---|
|  | SpiderRock Advisors LLC | 028-18017              |
|  | Aperio Group LLC        | 028-11964              |

### 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 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 392258 | 1462 | SH |  | SOLE |  | 0 | 0 | 1462 |
| CRH PLC | ORD | G25508105 |  | 268320 | 2150 | SH |  | SOLE |  | 0 | 0 | 2150 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 764389 | 1964 | SH |  | SOLE |  | 0 | 0 | 1964 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 228266 | 213 | SH |  | SOLE |  | 0 | 0 | 213 |
| AT INC | COM | 00206R102 |  | 506984 | 20410 | SH |  | SOLE |  | 0 | 0 | 20410 |
| ARK ETF TR | INNOVATION ETF | 00214Q104 |  | 223550 | 2906 | SH |  | SOLE |  | 0 | 0 | 2906 |
| ABBOTT LABS | COM | 002824100 |  | 340262 | 2716 | SH |  | SOLE |  | 0 | 0 | 2716 |
| ABBVIE INC | COM | 00287Y109 |  | 1067180 | 4671 | SH |  | SOLE |  | 0 | 0 | 4671 |
| ADOBE INC | COM | 00724F101 |  | 234493 | 670 | SH |  | SOLE |  | 0 | 0 | 670 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 443740 | 2072 | SH |  | SOLE |  | 0 | 0 | 2072 |
| ALIBABA GROUP HLDG LTD | SPONSORED ADS | 01609W102 |  | 489999 | 3343 | SH |  | SOLE |  | 0 | 0 | 3343 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 5855500 | 18660 | SH |  | SOLE |  | 0 | 0 | 18660 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 6769955 | 21629 | SH |  | SOLE |  | 0 | 0 | 21629 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 222784 | 3794 | SH |  | SOLE |  | 0 | 0 | 3794 |
| AMAZON COM INC | COM | 023135106 |  | 10968029 | 47518 | SH |  | SOLE |  | 0 | 0 | 47518 |
| AMBEV SA | SPONSORED ADR | 02319V103 |  | 62897 | 24634 | SH |  | SOLE |  | 0 | 0 | 24634 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 489174 | 1322 | SH |  | SOLE |  | 0 | 0 | 1322 |
| AMGEN INC | COM | 031162100 |  | 301120 | 920 | SH |  | SOLE |  | 0 | 0 | 920 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 342902 | 2533 | SH |  | SOLE |  | 0 | 0 | 2533 |
| ANALOG DEVICES INC | COM | 032654105 |  | 265395 | 979 | SH |  | SOLE |  | 0 | 0 | 979 |
| APPLE INC | COM | 037833100 |  | 41860645 | 153979 | SH |  | SOLE |  | 0 | 0 | 153979 |
| APPLIED MATLS INC | COM | 038222105 |  | 611606 | 2380 | SH |  | SOLE |  | 0 | 0 | 2380 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 270376 | 2063 | SH |  | SOLE |  | 0 | 0 | 2063 |
| AXON ENTERPRISE INC | COM | 05464C101 |  | 215813 | 380 | SH |  | SOLE |  | 0 | 0 | 380 |
| BANK AMERICA CORP | COM | 060505104 |  | 1783711 | 32431 | SH |  | SOLE |  | 0 | 0 | 32431 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 3974705 | 7908 | SH |  | SOLE |  | 0 | 0 | 7908 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 466856 | 8847 | SH |  | SOLE |  | 0 | 0 | 8847 |
| BOEING CO | COM | 097023105 |  | 859500 | 3959 | SH |  | SOLE |  | 0 | 0 | 3959 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 230279 | 43 | SH |  | SOLE |  | 0 | 0 | 43 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 240625 | 4461 | SH |  | SOLE |  | 0 | 0 | 4461 |
| BROADCOM INC | COM | 11135F101 |  | 2365099 | 6834 | SH |  | SOLE |  | 0 | 0 | 6834 |
| THE CIGNA GROUP | COM | 125523100 |  | 936207 | 3402 | SH |  | SOLE |  | 0 | 0 | 3402 |
| CVS HEALTH CORP | COM | 126650100 |  | 324734 | 4092 | SH |  | SOLE |  | 0 | 0 | 4092 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 369244 | 1524 | SH |  | SOLE |  | 0 | 0 | 1524 |
| CATERPILLAR INC | COM | 149123101 |  | 1182640 | 2064 | SH |  | SOLE |  | 0 | 0 | 2064 |
| CHEVRON CORP NEW | COM | 166764100 |  | 774250 | 5080 | SH |  | SOLE |  | 0 | 0 | 5080 |
| CISCO SYS INC | COM | 17275R102 |  | 713702 | 9265 | SH |  | SOLE |  | 0 | 0 | 9265 |
| CINTAS CORP | COM | 172908105 |  | 244203 | 1298 | SH |  | SOLE |  | 0 | 0 | 1298 |
| CITIGROUP INC | COM NEW | 172967424 |  | 436810 | 3743 | SH |  | SOLE |  | 0 | 0 | 3743 |
| COCA COLA CO | COM | 191216100 |  | 377382 | 5398 | SH |  | SOLE |  | 0 | 0 | 5398 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 278286 | 788 | SH |  | SOLE |  | 0 | 0 | 788 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1153723 | 1338 | SH |  | SOLE |  | 0 | 0 | 1338 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 214692 | 458 | SH |  | SOLE |  | 0 | 0 | 458 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 2080274 | 28047 | SH |  | SOLE |  | 0 | 0 | 28047 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 12768189 | 322510 | SH |  | SOLE |  | 0 | 0 | 322510 |
| DISNEY WALT CO | COM | 254687106 |  | 1574396 | 13747 | SH |  | SOLE |  | 0 | 0 | 13747 |
| DRAFTKINGS INC NEW | COM CL A | 26142V105 |  | 315723 | 9162 | SH |  | SOLE |  | 0 | 0 | 9162 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 317172 | 2706 | SH |  | SOLE |  | 0 | 0 | 2706 |
| EDWARDS LIFESCIENCES CORP | COM | 28176E108 |  | 275017 | 3226 | SH |  | SOLE |  | 0 | 0 | 3226 |
| EMERSON ELEC CO | COM | 291011104 |  | 595676 | 4488 | SH |  | SOLE |  | 0 | 0 | 4488 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 276946 | 8638 | SH |  | SOLE |  | 0 | 0 | 8638 |
| EXPEDIA GROUP INC | COM NEW | 30212P303 |  | 301235 | 1063 | SH |  | SOLE |  | 0 | 0 | 1063 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 864921 | 7187 | SH |  | SOLE |  | 0 | 0 | 7187 |
| META PLATFORMS INC | CL A | 30303M102 |  | 5186522 | 7857 | SH |  | SOLE |  | 0 | 0 | 7857 |
| FIDELITY COVINGTON TRUST | ENHANCED LARGE | 31609A107 |  | 218557 | 6306 | SH |  | SOLE |  | 0 | 0 | 6306 |
| GE VERNOVA INC | COM | 36828A101 |  | 336981 | 516 | SH |  | SOLE |  | 0 | 0 | 516 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 337081 | 1001 | SH |  | SOLE |  | 0 | 0 | 1001 |
| GE AEROSPACE | COM NEW | 369604301 |  | 537419 | 1743 | SH |  | SOLE |  | 0 | 0 | 1743 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 234556 | 1911 | SH |  | SOLE |  | 0 | 0 | 1911 |
| GLOBAL X FDS | DEFENSE TECH ETF | 37960A529 |  | 217374 | 3343 | SH |  | SOLE |  | 0 | 0 | 3343 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 415616 | 473 | SH |  | SOLE |  | 0 | 0 | 473 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA INT | 381430107 |  | 5518174 | 128509 | SH |  | SOLE |  | 0 | 0 | 128509 |
| HARTFORD INSURANCE GROUP INC | COM | 416515104 |  | 301330 | 2177 | SH |  | SOLE |  | 0 | 0 | 2177 |
| HOME DEPOT INC | COM | 437076102 |  | 3135144 | 9111 | SH |  | SOLE |  | 0 | 0 | 9111 |
| HONEYWELL INTL INC | COM | 438516106 |  | 318758 | 1634 | SH |  | SOLE |  | 0 | 0 | 1634 |
| HUBSPOT INC | COM | 443573100 |  | 205064 | 511 | SH |  | SOLE |  | 0 | 0 | 511 |
| INTERCONTINENTAL EXCHANGE IN | COM | 45866F104 |  | 201185 | 1242 | SH |  | SOLE |  | 0 | 0 | 1242 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1223539 | 4131 | SH |  | SOLE |  | 0 | 0 | 4131 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 79636868 | 129636 | SH |  | SOLE |  | 0 | 0 | 129636 |
| INTUIT | COM | 461202103 |  | 459535 | 694 | SH |  | SOLE |  | 0 | 0 | 694 |
| INVESCO EXCHANGE TRADED FD T | WATER RES ETF | 46137V142 |  | 208967 | 2968 | SH |  | SOLE |  | 0 | 0 | 2968 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 9166082 | 36241 | SH |  | SOLE |  | 0 | 0 | 36241 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 390996 | 4817 | SH |  | SOLE |  | 0 | 0 | 4817 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 136543834 | 918312 | SH |  | SOLE |  | 0 | 0 | 918312 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 1241198 | 8794 | SH |  | SOLE |  | 0 | 0 | 8794 |
| ISHARES TR | CORE S ETF | 464287200 |  | 124402562 | 181625 | SH |  | SOLE |  | 0 | 0 | 181625 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 927015 | 9281 | SH |  | SOLE |  | 0 | 0 | 9281 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 307703 | 2792 | SH |  | SOLE |  | 0 | 0 | 2792 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 5395628 | 43774 | SH |  | SOLE |  | 0 | 0 | 43774 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 223660 | 1055 | SH |  | SOLE |  | 0 | 0 | 1055 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 276967 | 2884 | SH |  | SOLE |  | 0 | 0 | 2884 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 1259797 | 13086 | SH |  | SOLE |  | 0 | 0 | 13086 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 15075235 | 228413 | SH |  | SOLE |  | 0 | 0 | 228413 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 |  | 373542 | 1240 | SH |  | SOLE |  | 0 | 0 | 1240 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 4790510 | 22775 | SH |  | SOLE |  | 0 | 0 | 22775 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 22702415 | 47966 | SH |  | SOLE |  | 0 | 0 | 47966 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 92550920 | 247833 | SH |  | SOLE |  | 0 | 0 | 247833 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 632189 | 2568 | SH |  | SOLE |  | 0 | 0 | 2568 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 6392521 | 16525 | SH |  | SOLE |  | 0 | 0 | 16525 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 537990 | 4477 | SH |  | SOLE |  | 0 | 0 | 4477 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 255553 | 2395 | SH |  | SOLE |  | 0 | 0 | 2395 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 75535447 | 1125212 | SH |  | SOLE |  | 0 | 0 | 1125212 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 1012352 | 7155 | SH |  | SOLE |  | 0 | 0 | 7155 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 666463 | 6222 | SH |  | SOLE |  | 0 | 0 | 6222 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 372541 | 7045 | SH |  | SOLE |  | 0 | 0 | 7045 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 241333 | 7795 | SH |  | SOLE |  | 0 | 0 | 7795 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 299288 | 1394 | SH |  | SOLE |  | 0 | 0 | 1394 |
| ISHARES TR | U.S. INSRNCE ETF | 464288786 |  | 230352 | 1692 | SH |  | SOLE |  | 0 | 0 | 1692 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 1714737 | 12306 | SH |  | SOLE |  | 0 | 0 | 12306 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 295975 | 3143 | SH |  | SOLE |  | 0 | 0 | 3143 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 3003642 | 35487 | SH |  | SOLE |  | 0 | 0 | 35487 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1986012 | 22200 | SH |  | SOLE |  | 0 | 0 | 22200 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 9198364 | 136840 | SH |  | SOLE |  | 0 | 0 | 136840 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 2857876 | 41168 | SH |  | SOLE |  | 0 | 0 | 41168 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 59554783 | 1177437 | SH |  | SOLE |  | 0 | 0 | 1177437 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 5556156 | 17243 | SH |  | SOLE |  | 0 | 0 | 17243 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 536530 | 8492 | SH |  | SOLE |  | 0 | 0 | 8492 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 7693574 | 151545 | SH |  | SOLE |  | 0 | 0 | 151545 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 2175576 | 10513 | SH |  | SOLE |  | 0 | 0 | 10513 |
| KLA CORP | COM NEW | 482480100 |  | 1258639 | 1036 | SH |  | SOLE |  | 0 | 0 | 1036 |
| LPL FINL HLDGS INC | COM | 50212V100 |  | 7041260 | 19714 | SH |  | SOLE |  | 0 | 0 | 19714 |
| ELI LILLY  CO | COM | 532457108 |  | 1858089 | 1729 | SH |  | SOLE |  | 0 | 0 | 1729 |
| LIVE NATION ENTERTAINMENT IN | COM | 538034109 |  | 388883 | 2729 | SH |  | SOLE |  | 0 | 0 | 2729 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 832033 | 1720 | SH |  | SOLE |  | 0 | 0 | 1720 |
| LOWES COS INC | COM | 548661107 |  | 309261 | 1282 | SH |  | SOLE |  | 0 | 0 | 1282 |
| MAGNITE INC | COM | 55955D100 |  | 235660 | 14520 | SH |  | SOLE |  | 0 | 0 | 14520 |
| MARKEL GROUP INC | COM | 570535104 |  | 702936 | 327 | SH |  | SOLE |  | 0 | 0 | 327 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1712356 | 3000 | SH |  | SOLE |  | 0 | 0 | 3000 |
| MCDONALDS CORP | COM | 580135101 |  | 744983 | 2438 | SH |  | SOLE |  | 0 | 0 | 2438 |
| MERCK  CO INC | COM | 58933Y105 |  | 898456 | 8467 | SH |  | SOLE |  | 0 | 0 | 8467 |
| MICROSOFT CORP | COM | 594918104 |  | 19157929 | 39614 | SH |  | SOLE |  | 0 | 0 | 39614 |
| MICROVISION INC DEL | COM NEW | 594960304 |  | 23787 | 28725 | SH |  | SOLE |  | 0 | 0 | 28725 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 474386 | 2672 | SH |  | SOLE |  | 0 | 0 | 2672 |
| NETFLIX INC | COM | 64110L106 |  | 626864 | 6686 | SH |  | SOLE |  | 0 | 0 | 6686 |
| FS SPECIALTY LENDING FD | COM SH BEN INT | 644323107 |  | 176538 | 12485 | SH |  | SOLE |  | 0 | 0 | 12485 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 6449531 | 34582 | SH |  | SOLE |  | 0 | 0 | 34582 |
| ORACLE CORP | COM | 68389X105 |  | 1002635 | 5144 | SH |  | SOLE |  | 0 | 0 | 5144 |
| BLUE OWL CAPITAL CORPORATION | COM | 69121K104 |  | 520307 | 40649 | SH |  | SOLE |  | 0 | 0 | 40649 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 204057 | 1148 | SH |  | SOLE |  | 0 | 0 | 1148 |
| PEPSICO INC | COM | 713448108 |  | 893126 | 6162 | SH |  | SOLE |  | 0 | 0 | 6162 |
| PFIZER INC | COM | 717081103 |  | 377864 | 15175 | SH |  | SOLE |  | 0 | 0 | 15175 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1390810 | 9705 | SH |  | SOLE |  | 0 | 0 | 9705 |
| RTX CORPORATION | COM | 75513E101 |  | 678883 | 3702 | SH |  | SOLE |  | 0 | 0 | 3702 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 19525516 | 28550 | SH |  | SOLE |  | 0 | 0 | 28550 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 1770515 | 4468 | SH |  | SOLE |  | 0 | 0 | 4468 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A359 |  | 266173 | 2984 | SH |  | SOLE |  | 0 | 0 | 2984 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 3718112 | 34846 | SH |  | SOLE |  | 0 | 0 | 34846 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A805 |  | 37573705 | 455439 | SH |  | SOLE |  | 0 | 0 | 455439 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 427479 | 888 | SH |  | SOLE |  | 0 | 0 | 888 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 2702253 | 4463 | SH |  | SOLE |  | 0 | 0 | 4463 |
| SALESFORCE INC | COM | 79466L302 |  | 566313 | 2134 | SH |  | SOLE |  | 0 | 0 | 2134 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 60177854 | 2294238 | SH |  | SOLE |  | 0 | 0 | 2294238 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 4821923 | 179187 | SH |  | SOLE |  | 0 | 0 | 179187 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 326999 | 10025 | SH |  | SOLE |  | 0 | 0 | 10025 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US B | 808524789 |  | 246051 | 9260 | SH |  | SOLE |  | 0 | 0 | 9260 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 10440865 | 380637 | SH |  | SOLE |  | 0 | 0 | 380637 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 438897 | 8013 | SH |  | SOLE |  | 0 | 0 | 8013 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 861717 | 5985 | SH |  | SOLE |  | 0 | 0 | 5985 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 308633 | 7230 | SH |  | SOLE |  | 0 | 0 | 7230 |
| SERVICENOW INC | COM | 81762P102 |  | 484080 | 3160 | SH |  | SOLE |  | 0 | 0 | 3160 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 857165 | 5325 | SH |  | SOLE |  | 0 | 0 | 5325 |
| SOUTHWEST AIRLS CO | COM | 844741108 |  | 705670 | 17000 | SH |  | SOLE |  | 0 | 0 | 17000 |
| STARBUCKS CORP | COM | 855244109 |  | 821626 | 9757 | SH |  | SOLE |  | 0 | 0 | 9757 |
| SYSCO CORP | COM | 871829107 |  | 290809 | 3946 | SH |  | SOLE |  | 0 | 0 | 3946 |
| TJX COS INC NEW | COM | 872540109 |  | 337029 | 2194 | SH |  | SOLE |  | 0 | 0 | 2194 |
| T ROWE PRICE ETF INC | PRICE DIV GRWT | 87283Q404 |  | 662090 | 14723 | SH |  | SOLE |  | 0 | 0 | 14723 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 252840 | 830 | SH |  | SOLE |  | 0 | 0 | 830 |
| TESLA INC | COM | 88160R101 |  | 4373077 | 9724 | SH |  | SOLE |  | 0 | 0 | 9724 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 235713 | 813 | SH |  | SOLE |  | 0 | 0 | 813 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 438744 | 4423 | SH |  | SOLE |  | 0 | 0 | 4423 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 435053 | 1318 | SH |  | SOLE |  | 0 | 0 | 1318 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 539751 | 1499 | SH |  | SOLE |  | 0 | 0 | 1499 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 5198208 | 23652 | SH |  | SOLE |  | 0 | 0 | 23652 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 9082607 | 120395 | SH |  | SOLE |  | 0 | 0 | 120395 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 207230 | 502 | SH |  | SOLE |  | 0 | 0 | 502 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 210888 | 3376 | SH |  | SOLE |  | 0 | 0 | 3376 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 670789 | 4674 | SH |  | SOLE |  | 0 | 0 | 4674 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 268110 | 2979 | SH |  | SOLE |  | 0 | 0 | 2979 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 6032534 | 112212 | SH |  | SOLE |  | 0 | 0 | 112212 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 296519 | 3719 | SH |  | SOLE |  | 0 | 0 | 3719 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 7523104 | 61791 | SH |  | SOLE |  | 0 | 0 | 61791 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 716164 | 7759 | SH |  | SOLE |  | 0 | 0 | 7759 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 9756437 | 194004 | SH |  | SOLE |  | 0 | 0 | 194004 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 3395565 | 5414 | SH |  | SOLE |  | 0 | 0 | 5414 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 221371 | 793 | SH |  | SOLE |  | 0 | 0 | 793 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 274783 | 910 | SH |  | SOLE |  | 0 | 0 | 910 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 261966 | 1237 | SH |  | SOLE |  | 0 | 0 | 1237 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 1617158 | 5572 | SH |  | SOLE |  | 0 | 0 | 5572 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 705138 | 2240 | SH |  | SOLE |  | 0 | 0 | 2240 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 18948032 | 90608 | SH |  | SOLE |  | 0 | 0 | 90608 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 8454210 | 17329 | SH |  | SOLE |  | 0 | 0 | 17329 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 5216124 | 27311 | SH |  | SOLE |  | 0 | 0 | 27311 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 62949962 | 187759 | SH |  | SOLE |  | 0 | 0 | 187759 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 284747 | 6991 | SH |  | SOLE |  | 0 | 0 | 6991 |
| VISA INC | COM CL A | 92826C839 |  | 3483481 | 9933 | SH |  | SOLE |  | 0 | 0 | 9933 |
| WALMART INC | COM | 931142103 |  | 2593154 | 23227 | SH |  | SOLE |  | 0 | 0 | 23227 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 318255 | 1449 | SH |  | SOLE |  | 0 | 0 | 1449 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 22829384 | 255277 | SH |  | SOLE |  | 0 | 0 | 255277 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 1348 | 2 | SH |  | OTR | 2 | 0 | 0 | 2 |
| CRH PLC | ORD | G25508105 |  | 500 | 14 | SH |  | OTR | 2 | 0 | 0 | 14 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 1170 | 57 | SH |  | OTR | 2 | 0 | 0 | 57 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 2150 | 1 | SH |  | OTR | 2 | 0 | 0 | 1 |
| ABBOTT LABS | COM | 002824100 |  | 2054 | 18 | SH |  | OTR | 2 | 0 | 0 | 18 |
| ABBVIE INC | COM | 00287Y109 |  | 3953 | 50 | SH |  | OTR | 2 | 0 | 0 | 50 |
| ADOBE INC | COM | 00724F101 |  | 1401 | 3 | SH |  | OTR | 2 | 0 | 0 | 3 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 3010 | 21 | SH |  | OTR | 2 | 0 | 0 | 21 |
| ALIBABA GROUP HLDG LTD | SPONSORED ADS | 01609W102 |  | 1650 | 32 | SH |  | OTR | 2 | 0 | 0 | 32 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 404396 | 1292 | SH |  | OTR | 12 | 0 | 0 | 1292 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 1060 | 3 | SH |  | OTR | 2 | 0 | 0 | 3 |
| AMAZON COM INC | COM | 023135106 |  | 18235 | 79 | SH |  | OTR | 2 | 0 | 0 | 79 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 2265 | 4 | SH |  | OTR | 2 | 0 | 0 | 4 |
| AMGEN INC | COM | 031162100 |  | 1325 | 2 | SH |  | OTR | 2 | 0 | 0 | 2 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 1792 | 44 | SH |  | OTR | 2 | 0 | 0 | 44 |
| ANALOG DEVICES INC | COM | 032654105 |  | 1117 | 19 | SH |  | OTR | 2 | 0 | 0 | 19 |
| APPLE INC | COM | 037833100 |  | 728041 | 2678 | SH |  | OTR | 12 | 0 | 0 | 2678 |
| APPLIED MATLS INC | COM | 038222105 |  | 1834 | 6 | SH |  | OTR | 2 | 0 | 0 | 6 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 1443 | 81 | SH |  | OTR | 2 | 0 | 0 | 81 |
| AXON ENTERPRISE INC | COM | 05464C101 |  | 569 | 24 | SH |  | OTR | 2 | 0 | 0 | 24 |
| BANK AMERICA CORP | COM | 060505104 |  | 3449 | 4 | SH |  | OTR | 2 | 0 | 0 | 4 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 8060 | 8060 | SH |  | OTR | 2 | 0 | 0 | 8060 |
| BOEING CO | COM | 097023105 |  | 1521 | 40 | SH |  | OTR | 2 | 0 | 0 | 40 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 7411 | 23 | SH |  | OTR | 2 | 0 | 0 | 23 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 1134 | 13 | SH |  | OTR | 2 | 0 | 0 | 13 |
| BROADCOM INC | COM | 11135F101 |  | 13152 | 38 | SH |  | OTR | 2 | 0 | 0 | 38 |
| THE CIGNA GROUP | COM | 125523100 |  | 551 | 12 | SH |  | OTR | 2 | 0 | 0 | 12 |
| CVS HEALTH CORP | COM | 126650100 |  | 962 | 13 | SH |  | OTR | 2 | 0 | 0 | 13 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 1471 | 16 | SH |  | OTR | 2 | 0 | 0 | 16 |
| CATERPILLAR INC | COM | 149123101 |  | 2998 | 14 | SH |  | OTR | 2 | 0 | 0 | 14 |
| CHEVRON CORP NEW | COM | 166764100 |  | 2776 | 9 | SH |  | OTR | 2 | 0 | 0 | 9 |
| CISCO SYS INC | COM | 17275R102 |  | 2729 | 14 | SH |  | OTR | 2 | 0 | 0 | 14 |
| CINTAS CORP | COM | 172908105 |  | 754 | 5 | SH |  | OTR | 2 | 0 | 0 | 5 |
| COCA COLA CO | COM | 191216100 |  | 2696 | 35 | SH |  | OTR | 2 | 0 | 0 | 35 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 1085 | 4 | SH |  | OTR | 2 | 0 | 0 | 4 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 3516 | 4 | SH |  | OTR | 2 | 0 | 0 | 4 |
| DISNEY WALT CO | COM | 254687106 |  | 2056 | 12 | SH |  | OTR | 2 | 0 | 0 | 12 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 1198 | 12 | SH |  | OTR | 2 | 0 | 0 | 12 |
| EDWARDS LIFESCIENCES CORP | COM | 28176E108 |  | 768 | 12 | SH |  | OTR | 2 | 0 | 0 | 12 |
| EMERSON ELEC CO | COM | 291011104 |  | 398 | 3 | SH |  | OTR | 2 | 0 | 0 | 3 |
| EXPEDIA GROUP INC | COM NEW | 30212P303 |  | 284 | 2 | SH |  | OTR | 2 | 0 | 0 | 2 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 4910 | 14 | SH |  | OTR | 2 | 0 | 0 | 14 |
| META PLATFORMS INC | CL A | 30303M102 |  | 12542 | 19 | SH |  | OTR | 2 | 0 | 0 | 19 |
| GE VERNOVA INC | COM | 36828A101 |  | 2005 | 16 | SH |  | OTR | 2 | 0 | 0 | 16 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 676 | 2 | SH |  | OTR | 2 | 0 | 0 | 2 |
| GE AEROSPACE | COM NEW | 369604301 |  | 2855 | 10 | SH |  | OTR | 2 | 0 | 0 | 10 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 1355 | 14 | SH |  | OTR | 2 | 0 | 0 | 14 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 3656 | 16 | SH |  | OTR | 2 | 0 | 0 | 16 |
| HOME DEPOT INC | COM | 437076102 |  | 3200 | 18 | SH |  | OTR | 2 | 0 | 0 | 18 |
| HONEYWELL INTL INC | COM | 438516106 |  | 586 | 7 | SH |  | OTR | 2 | 0 | 0 | 7 |
| HUBSPOT INC | COM | 443573100 |  | 803 | 14 | SH |  | OTR | 2 | 0 | 0 | 14 |
| INTERCONTINENTAL EXCHANGE IN | COM | 45866F104 |  | 487 | 1 | SH |  | OTR | 2 | 0 | 0 | 1 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 2388 | 9 | SH |  | OTR | 2 | 0 | 0 | 9 |
| INTUIT | COM | 461202103 |  | 1342 | 5 | SH |  | OTR | 2 | 0 | 0 | 5 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 7523 | 7 | SH |  | OTR | 2 | 0 | 0 | 7 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 4567 | 8 | SH |  | OTR | 2 | 0 | 0 | 8 |
| KLA CORP | COM NEW | 482480100 |  | 1264 | 90 | SH |  | OTR | 2 | 0 | 0 | 90 |
| LPL FINL HLDGS INC | COM | 50212V100 |  | 715 | 9 | SH |  | OTR | 2 | 0 | 0 | 9 |
| ELI LILLY  CO | COM | 532457108 |  | 8042 | 16 | SH |  | OTR | 2 | 0 | 0 | 16 |
| LIVE NATION ENTERTAINMENT IN | COM | 538034109 |  | 570 | 1 | SH |  | OTR | 2 | 0 | 0 | 1 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 485 | 3 | SH |  | OTR | 2 | 0 | 0 | 3 |
| LOWES COS INC | COM | 548661107 |  | 1454 | 6 | SH |  | OTR | 2 | 0 | 0 | 6 |
| MARKEL GROUP INC | COM | 570535104 |  | 2201 | 12 | SH |  | OTR | 2 | 0 | 0 | 12 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 4693 | 39 | SH |  | OTR | 2 | 0 | 0 | 39 |
| MCDONALDS CORP | COM | 580135101 |  | 1843 | 12 | SH |  | OTR | 2 | 0 | 0 | 12 |
| MERCK  CO INC | COM | 58933Y105 |  | 2480 | 10 | SH |  | OTR | 2 | 0 | 0 | 10 |
| MICROSOFT CORP | COM | 594918104 |  | 29501 | 61 | SH |  | OTR | 2 | 0 | 0 | 61 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 2132 | 5 | SH |  | OTR | 2 | 0 | 0 | 5 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 35622 | 191 | SH |  | OTR | 2 | 0 | 0 | 191 |
| ORACLE CORP | COM | 68389X105 |  | 2743 | 18 | SH |  | OTR | 2 | 0 | 0 | 18 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 3300 | 60 | SH |  | OTR | 2 | 0 | 0 | 60 |
| PEPSICO INC | COM | 713448108 |  | 1961 | 3 | SH |  | OTR | 2 | 0 | 0 | 3 |
| PFIZER INC | COM | 717081103 |  | 1400 | 4 | SH |  | OTR | 2 | 0 | 0 | 4 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 3097 | 9 | SH |  | OTR | 2 | 0 | 0 | 9 |
| RTX CORPORATION | COM | 75513E101 |  | 2220 | 6 | SH |  | OTR | 2 | 0 | 0 | 6 |
| SALESFORCE INC | COM | 79466L302 |  | 2430 | 23 | SH |  | OTR | 2 | 0 | 0 | 23 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 1029 | 4 | SH |  | OTR | 2 | 0 | 0 | 4 |
| STARBUCKS CORP | COM | 855244109 |  | 505 | 4 | SH |  | OTR | 2 | 0 | 0 | 4 |
| TJX COS INC NEW | COM | 872540109 |  | 1874 | 13 | SH |  | OTR | 2 | 0 | 0 | 13 |
| TESLA INC | COM | 88160R101 |  | 10793 | 24 | SH |  | OTR | 2 | 0 | 0 | 24 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 873 | 13 | SH |  | OTR | 2 | 0 | 0 | 13 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 398 | 3 | SH |  | OTR | 2 | 0 | 0 | 3 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 2319 | 4 | SH |  | OTR | 2 | 0 | 0 | 4 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 1799 | 7 | SH |  | OTR | 2 | 0 | 0 | 7 |
| VISA INC | COM CL A | 92826C839 |  | 5355 | 1 | SH |  | OTR | 2 | 0 | 0 | 1 |
| WALMART INC | COM | 931142103 |  | 4346 | 21 | SH |  | OTR | 2 | 0 | 0 | 21 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 659 | 29 | SH |  | OTR | 2 | 0 | 0 | 29 |

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