# EDGAR Filing Document

**Accession Number:** 0001876326
**File Stem:** 0001876326-25-000004
**Filing Date:** 2025-7
**Character Count:** 22183
**Document Hash:** 5122037036ff0dd2c22b446b204c51fa
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001876326-25-000004.hdr.sgml**: 20250716

**ACCESSION NUMBER**: 0001876326-25-000004

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250716

**DATE AS OF CHANGE**: 20250716

**EFFECTIVENESS DATE**: 20250716

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Five Oceans Advisors
- **CENTRAL INDEX KEY:** 0001876326

**ORGANIZATION NAME:**
- **EIN:** 844928181

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21379
- **FILM NUMBER:** 251126627

**BUSINESS ADDRESS:**
- **STREET 1:** 2719 4TH ST
- **CITY:** SANTA MONICA
- **STATE:** CA
- **ZIP:** 90405-4273
- **BUSINESS PHONE:** 3105255155

**MAIL ADDRESS:**
- **STREET 1:** 2719 4TH ST
- **CITY:** SANTA MONICA
- **STATE:** CA
- **ZIP:** 90405-4273

### 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:** Five Oceans Advisors<br>**Address:** 2719 4TH ST<br>SANTA MONICA, CA 90405-4273

**Form 13F File Number:** 028-21379

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:** Spencer Rand<br>**Title:** Chief Compliance Officer<br>**Phone:** 5717653343

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

Spencer Rand  Santa Monica, CA  07-16-2025<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:** 190

**Form 13F Information Table Value Total:** $234406709

      (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 |  | 328872 | 2418 | SH |  | SOLE | 0 | 0 | 0 | 2418 |
| ABBVIE INC | COM | 00287Y109 |  | 700159 | 3772 | SH |  | SOLE | 0 | 0 | 0 | 3772 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 325790 | 1090 | SH |  | SOLE | 0 | 0 | 0 | 1090 |
| ADOBE INC | COM | 00724F101 |  | 268108 | 693 | SH |  | SOLE | 0 | 0 | 0 | 693 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 276421 | 1948 | SH |  | SOLE | 0 | 0 | 0 | 1948 |
| AFLAC INC | COM | 001055102 |  | 257217 | 2439 | SH |  | SOLE | 0 | 0 | 0 | 2439 |
| AGNICO EAGLE MINES LTD | COM | 008474108 |  | 290189 | 2440 | SH |  | SOLE | 0 | 0 | 0 | 2440 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1865218 | 10584 | SH |  | SOLE | 0 | 0 | 0 | 10584 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1666579 | 9395 | SH |  | SOLE | 0 | 0 | 0 | 9395 |
| AMAZON COM INC | COM | 023135106 |  | 3179839 | 14494 | SH |  | SOLE | 0 | 0 | 0 | 14494 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 460622 | 1444 | SH |  | SOLE | 0 | 0 | 0 | 1444 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 310097 | 581 | SH |  | SOLE | 0 | 0 | 0 | 581 |
| AMGEN INC | COM | 031162100 |  | 239562 | 858 | SH |  | SOLE | 0 | 0 | 0 | 858 |
| APPLE INC | COM | 037833100 |  | 6187627 | 30159 | SH |  | SOLE | 0 | 0 | 0 | 30159 |
| APPLIED MATLS INC | COM | 038222105 |  | 328061 | 1792 | SH |  | SOLE | 0 | 0 | 0 | 1792 |
| APPLOVIN CORP | COM CL A | 03831W108 |  | 256959 | 734 | SH |  | SOLE | 0 | 0 | 0 | 734 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 253422 | 2477 | SH |  | SOLE | 0 | 0 | 0 | 2477 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 1181249 | 1474 | SH |  | SOLE | 0 | 0 | 0 | 1474 |
| ASTRAZENECA PLC | SPONSORED ADR | 046353108 |  | 530529 | 7592 | SH |  | SOLE | 0 | 0 | 0 | 7592 |
| AT INC | COM | 00206R102 |  | 519618 | 17955 | SH |  | SOLE | 0 | 0 | 0 | 17955 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 243328 | 789 | SH |  | SOLE | 0 | 0 | 0 | 789 |
| BANCO BILBAO VIZCAYA ARGENTA | SPONSORED ADR | 05946K101 |  | 283423 | 18440 | SH |  | SOLE | 0 | 0 | 0 | 18440 |
| BANCO SANTANDER S.A. | ADR | 05964H105 |  | 522659 | 62971 | SH |  | SOLE | 0 | 0 | 0 | 62971 |
| BANK AMERICA CORP | COM | 060505104 |  | 583456 | 12330 | SH |  | SOLE | 0 | 0 | 0 | 12330 |
| BANK MONTREAL QUE | COM | 063671101 |  | 325473 | 2942 | SH |  | SOLE | 0 | 0 | 0 | 2942 |
| BANK NOVA SCOTIA HALIFAX | COM | 064149107 |  | 217653 | 3938 | SH |  | SOLE | 0 | 0 | 0 | 3938 |
| BARCLAYS PLC | ADR | 06738E204 |  | 282996 | 15223 | SH |  | SOLE | 0 | 0 | 0 | 15223 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 985142 | 2028 | SH |  | SOLE | 0 | 0 | 0 | 2028 |
| BLACKROCK INC | COM | 09290D101 |  | 290642 | 277 | SH |  | SOLE | 0 | 0 | 0 | 277 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 509453 | 88 | SH |  | SOLE | 0 | 0 | 0 | 88 |
| BROADCOM INC | COM | 11135F101 |  | 2307466 | 8371 | SH |  | SOLE | 0 | 0 | 0 | 8371 |
| CANADIAN IMPERIAL BK COMM | COM | 136069101 |  | 225735 | 3187 | SH |  | SOLE | 0 | 0 | 0 | 3187 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 437009 | 2054 | SH |  | SOLE | 0 | 0 | 0 | 2054 |
| CATERPILLAR INC | COM | 149123101 |  | 465852 | 1200 | SH |  | SOLE | 0 | 0 | 0 | 1200 |
| CHUBB LIMITED | COM | H1467J104 |  | 200197 | 691 | SH |  | SOLE | 0 | 0 | 0 | 691 |
| CINTAS CORP | COM | 172908105 |  | 246717 | 1107 | SH |  | SOLE | 0 | 0 | 0 | 1107 |
| CISCO SYS INC | COM | 17275R102 |  | 457353 | 6592 | SH |  | SOLE | 0 | 0 | 0 | 6592 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 388450 | 10884 | SH |  | SOLE | 0 | 0 | 0 | 10884 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1406705 | 1421 | SH |  | SOLE | 0 | 0 | 0 | 1421 |
| D R HORTON INC | COM | 23331A109 |  | 206659 | 1603 | SH |  | SOLE | 0 | 0 | 0 | 1603 |
| DANAHER CORPORATION | COM | 235851102 |  | 208800 | 1057 | SH |  | SOLE | 0 | 0 | 0 | 1057 |
| DEERE  CO | COM | 244199105 |  | 315772 | 621 | SH |  | SOLE | 0 | 0 | 0 | 621 |
| DEUTSCHE BANK A G | NAMEN AKT | D18190898 |  | 235089 | 8029 | SH |  | SOLE | 0 | 0 | 0 | 8029 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 1597489 | 23836 | SH |  | SOLE | 0 | 0 | 0 | 23836 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 13029119 | 363536 | SH |  | SOLE | 0 | 0 | 0 | 363536 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 1915887 | 30072 | SH |  | SOLE | 0 | 0 | 0 | 30072 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 517315 | 9587 | SH |  | SOLE | 0 | 0 | 0 | 9587 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 455026 | 10624 | SH |  | SOLE | 0 | 0 | 0 | 10624 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 908796 | 30943 | SH |  | SOLE | 0 | 0 | 0 | 30943 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 |  | 10658122 | 254918 | SH |  | SOLE | 0 | 0 | 0 | 254918 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 2709684 | 56440 | SH |  | SOLE | 0 | 0 | 0 | 56440 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 524616 | 12414 | SH |  | SOLE | 0 | 0 | 0 | 12414 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 |  | 456277 | 9620 | SH |  | SOLE | 0 | 0 | 0 | 9620 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 526601 | 22447 | SH |  | SOLE | 0 | 0 | 0 | 22447 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 6884282 | 221431 | SH |  | SOLE | 0 | 0 | 0 | 221431 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 281272 | 9426 | SH |  | SOLE | 0 | 0 | 0 | 9426 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 3098472 | 104396 | SH |  | SOLE | 0 | 0 | 0 | 104396 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 335407 | 7933 | SH |  | SOLE | 0 | 0 | 0 | 7933 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 8921801 | 226384 | SH |  | SOLE | 0 | 0 | 0 | 226384 |
| DIMENSIONAL ETF TRUST | EMERGING MARKETS | 25434V682 |  | 13393080 | 351894 | SH |  | SOLE | 0 | 0 | 0 | 351894 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 4555366 | 116060 | SH |  | SOLE | 0 | 0 | 0 | 116060 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 299120 | 11149 | SH |  | SOLE | 0 | 0 | 0 | 11149 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 466169 | 13485 | SH |  | SOLE | 0 | 0 | 0 | 13485 |
| DISNEY WALT CO | COM | 254687106 |  | 302708 | 2441 | SH |  | SOLE | 0 | 0 | 0 | 2441 |
| EATON CORP PLC | SHS | G29183103 |  | 329145 | 922 | SH |  | SOLE | 0 | 0 | 0 | 922 |
| ELI LILLY  CO | COM | 532457108 |  | 943231 | 1210 | SH |  | SOLE | 0 | 0 | 0 | 1210 |
| EMCOR GROUP INC | COM | 29084Q100 |  | 223584 | 418 | SH |  | SOLE | 0 | 0 | 0 | 418 |
| ENBRIDGE INC | COM | 29250N105 |  | 319733 | 7055 | SH |  | SOLE | 0 | 0 | 0 | 7055 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 271333 | 2517 | SH |  | SOLE | 0 | 0 | 0 | 2517 |
| FEDEX CORP | COM | 31428X106 |  | 214353 | 943 | SH |  | SOLE | 0 | 0 | 0 | 943 |
| FERRARI N V | COM | N3167Y103 |  | 228685 | 466 | SH |  | SOLE | 0 | 0 | 0 | 466 |
| FORD MTR CO | COM | 345370860 |  | 123256 | 11360 | SH |  | SOLE | 0 | 0 | 0 | 11360 |
| GE AEROSPACE | COM NEW | 369604301 |  | 323024 | 1255 | SH |  | SOLE | 0 | 0 | 0 | 1255 |
| GE VERNOVA INC | COM | 36828A101 |  | 202664 | 383 | SH |  | SOLE | 0 | 0 | 0 | 383 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 273184 | 2464 | SH |  | SOLE | 0 | 0 | 0 | 2464 |
| GOLDMAN SACHS ETF TR | ACCES TREASURY | 381430529 |  | 337804 | 3373 | SH |  | SOLE | 0 | 0 | 0 | 3373 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 509580 | 720 | SH |  | SOLE | 0 | 0 | 0 | 720 |
| GRAINGER W W INC | COM | 384802104 |  | 223652 | 215 | SH |  | SOLE | 0 | 0 | 0 | 215 |
| GSK PLC | SPONSORED ADR | 37733W204 |  | 242035 | 6303 | SH |  | SOLE | 0 | 0 | 0 | 6303 |
| HARTFORD INSURANCE GROUP INC | COM | 416515104 |  | 225067 | 1774 | SH |  | SOLE | 0 | 0 | 0 | 1774 |
| HOME DEPOT INC | COM | 437076102 |  | 654086 | 1784 | SH |  | SOLE | 0 | 0 | 0 | 1784 |
| HOWMET AEROSPACE INC | COM | 443201108 |  | 337826 | 1815 | SH |  | SOLE | 0 | 0 | 0 | 1815 |
| HSBC HLDGS PLC | SPON ADR NEW | 404280406 |  | 629845 | 10361 | SH |  | SOLE | 0 | 0 | 0 | 10361 |
| ING GROEP N.V. | SPONSORED ADR | 456837103 |  | 315562 | 14429 | SH |  | SOLE | 0 | 0 | 0 | 14429 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 713368 | 2420 | SH |  | SOLE | 0 | 0 | 0 | 2420 |
| INTUIT | COM | 461202103 |  | 270945 | 344 | SH |  | SOLE | 0 | 0 | 0 | 344 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 240187 | 442 | SH |  | SOLE | 0 | 0 | 0 | 442 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 895258 | 14914 | SH |  | SOLE | 0 | 0 | 0 | 14914 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 277394 | 3648 | SH |  | SOLE | 0 | 0 | 0 | 3648 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 19151339 | 190201 | SH |  | SOLE | 0 | 0 | 0 | 190201 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 1017755 | 10260 | SH |  | SOLE | 0 | 0 | 0 | 10260 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 385022 | 2851 | SH |  | SOLE | 0 | 0 | 0 | 2851 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 207318 | 1984 | SH |  | SOLE | 0 | 0 | 0 | 1984 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 250785 | 2708 | SH |  | SOLE | 0 | 0 | 0 | 2708 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 943259 | 7138 | SH |  | SOLE | 0 | 0 | 0 | 7138 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 405851 | 2077 | SH |  | SOLE | 0 | 0 | 0 | 2077 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 214837 | 506 | SH |  | SOLE | 0 | 0 | 0 | 506 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 504587 | 9956 | SH |  | SOLE | 0 | 0 | 0 | 9956 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 671642 | 4397 | SH |  | SOLE | 0 | 0 | 0 | 4397 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 2213753 | 7636 | SH |  | SOLE | 0 | 0 | 0 | 7636 |
| KLA CORP | COM NEW | 482480100 |  | 357400 | 399 | SH |  | SOLE | 0 | 0 | 0 | 399 |
| KROGER CO | COM | 501044101 |  | 254139 | 3543 | SH |  | SOLE | 0 | 0 | 0 | 3543 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 319665 | 3284 | SH |  | SOLE | 0 | 0 | 0 | 3284 |
| LINDE PLC | SHS | G54950103 |  | 333587 | 711 | SH |  | SOLE | 0 | 0 | 0 | 711 |
| LLOYDS BANKING GROUP PLC | SPONSORED ADR | 539439109 |  | 232862 | 54791 | SH |  | SOLE | 0 | 0 | 0 | 54791 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 275568 | 595 | SH |  | SOLE | 0 | 0 | 0 | 595 |
| LOWES COS INC | COM | 548661107 |  | 236292 | 1065 | SH |  | SOLE | 0 | 0 | 0 | 1065 |
| MARATHON PETE CORP | COM | 56585A102 |  | 235876 | 1420 | SH |  | SOLE | 0 | 0 | 0 | 1420 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 276798 | 1266 | SH |  | SOLE | 0 | 0 | 0 | 1266 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 953050 | 1696 | SH |  | SOLE | 0 | 0 | 0 | 1696 |
| MCDONALDS CORP | COM | 580135101 |  | 423647 | 1450 | SH |  | SOLE | 0 | 0 | 0 | 1450 |
| MCKESSON CORP | COM | 58155Q103 |  | 351734 | 480 | SH |  | SOLE | 0 | 0 | 0 | 480 |
| MERCK  CO INC | COM | 58933Y105 |  | 216582 | 2736 | SH |  | SOLE | 0 | 0 | 0 | 2736 |
| META PLATFORMS INC | CL A | 30303M102 |  | 4398278 | 5959 | SH |  | SOLE | 0 | 0 | 0 | 5959 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 213223 | 1730 | SH |  | SOLE | 0 | 0 | 0 | 1730 |
| MICROSOFT CORP | COM | 594918104 |  | 5860485 | 11782 | SH |  | SOLE | 0 | 0 | 0 | 11782 |
| MITSUBISHI UFJ FINL GROUP IN | SPONSORED ADS | 606822104 |  | 591497 | 43112 | SH |  | SOLE | 0 | 0 | 0 | 43112 |
| MIZUHO FINANCIAL GROUP INC | SPONSORED ADR | 60687Y109 |  | 275176 | 49492 | SH |  | SOLE | 0 | 0 | 0 | 49492 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 432299 | 3069 | SH |  | SOLE | 0 | 0 | 0 | 3069 |
| NATWEST GROUP PLC | SPONS ADR | 639057207 |  | 179479 | 12684 | SH |  | SOLE | 0 | 0 | 0 | 12684 |
| NETFLIX INC | COM | 64110L106 |  | 1005687 | 751 | SH |  | SOLE | 0 | 0 | 0 | 751 |
| NOKIA CORP | SPONSORED ADR | 654902204 |  | 184335 | 35586 | SH |  | SOLE | 0 | 0 | 0 | 35586 |
| NOMURA HLDGS INC | SPONSORED ADR | 65535H208 |  | 88876 | 13507 | SH |  | SOLE | 0 | 0 | 0 | 13507 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 956947 | 7908 | SH |  | SOLE | 0 | 0 | 0 | 7908 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 1087893 | 15762 | SH |  | SOLE | 0 | 0 | 0 | 15762 |
| NRG ENERGY INC | COM NEW | 629377508 |  | 206024 | 1283 | SH |  | SOLE | 0 | 0 | 0 | 1283 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 6489123 | 41073 | SH |  | SOLE | 0 | 0 | 0 | 41073 |
| ORACLE CORP | COM | 68389X105 |  | 1139500 | 5212 | SH |  | SOLE | 0 | 0 | 0 | 5212 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 207840 | 2306 | SH |  | SOLE | 0 | 0 | 0 | 2306 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 286136 | 2099 | SH |  | SOLE | 0 | 0 | 0 | 2099 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 307327 | 440 | SH |  | SOLE | 0 | 0 | 0 | 440 |
| PFIZER INC | COM | 717081103 |  | 202307 | 8346 | SH |  | SOLE | 0 | 0 | 0 | 8346 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 379013 | 2081 | SH |  | SOLE | 0 | 0 | 0 | 2081 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 361178 | 2267 | SH |  | SOLE | 0 | 0 | 0 | 2267 |
| PROGRESSIVE CORP | COM | 743315103 |  | 350387 | 1313 | SH |  | SOLE | 0 | 0 | 0 | 1313 |
| QUALCOMM INC | COM | 747525103 |  | 303231 | 1904 | SH |  | SOLE | 0 | 0 | 0 | 1904 |
| RELX PLC | SPONSORED ADR | 759530108 |  | 513785 | 9455 | SH |  | SOLE | 0 | 0 | 0 | 9455 |
| ROBINHOOD MKTS INC | COM CL A | 770700102 |  | 264598 | 2826 | SH |  | SOLE | 0 | 0 | 0 | 2826 |
| ROYAL BK CDA | COM | 780087102 |  | 916640 | 6968 | SH |  | SOLE | 0 | 0 | 0 | 6968 |
| ROYAL CARIBBEAN GROUP | COM | V7780T103 |  | 278068 | 888 | SH |  | SOLE | 0 | 0 | 0 | 888 |
| S GLOBAL INC | COM | 78409V104 |  | 275773 | 523 | SH |  | SOLE | 0 | 0 | 0 | 523 |
| SALESFORCE INC | COM | 79466L302 |  | 348498 | 1278 | SH |  | SOLE | 0 | 0 | 0 | 1278 |
| SAP SE | SPON ADR | 803054204 |  | 524877 | 1726 | SH |  | SOLE | 0 | 0 | 0 | 1726 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 246804 | 2705 | SH |  | SOLE | 0 | 0 | 0 | 2705 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 9779375 | 410381 | SH |  | SOLE | 0 | 0 | 0 | 410381 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 4650815 | 210444 | SH |  | SOLE | 0 | 0 | 0 | 210444 |
| SERVICENOW INC | COM | 81762P102 |  | 212813 | 207 | SH |  | SOLE | 0 | 0 | 0 | 207 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 259580 | 756 | SH |  | SOLE | 0 | 0 | 0 | 756 |
| SONY GROUP CORP | SPONSORED ADR | 835699307 |  | 1062388 | 40814 | SH |  | SOLE | 0 | 0 | 0 | 40814 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 866497 | 11920 | SH |  | SOLE | 0 | 0 | 0 | 11920 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 262110 | 4820 | SH |  | SOLE | 0 | 0 | 0 | 4820 |
| SUMITOMO MITSUI FINL GROUP I | SPONSORED ADR | 86562M209 |  | 368760 | 24405 | SH |  | SOLE | 0 | 0 | 0 | 24405 |
| T-MOBILE US INC | COM | 872590104 |  | 292583 | 1228 | SH |  | SOLE | 0 | 0 | 0 | 1228 |
| TAKEDA PHARMACEUTICAL CO LTD | SPONSORED ADS | 874060205 |  | 193575 | 12521 | SH |  | SOLE | 0 | 0 | 0 | 12521 |
| TARGA RES CORP | COM | 87612G101 |  | 216207 | 1242 | SH |  | SOLE | 0 | 0 | 0 | 1242 |
| TELEFONAKTIEBOLAGET LM ERICS | ADR B SEK 10 | 294821608 |  | 184347 | 21739 | SH |  | SOLE | 0 | 0 | 0 | 21739 |
| TELEFONICA S A | SPONSORED ADR | 879382208 |  | 120588 | 23057 | SH |  | SOLE | 0 | 0 | 0 | 23057 |
| TESLA INC | COM | 88160R101 |  | 1560028 | 4911 | SH |  | SOLE | 0 | 0 | 0 | 4911 |
| TEVA PHARMACEUTICAL INDS LTD | SPONSORED ADS | 881624209 |  | 172578 | 10297 | SH |  | SOLE | 0 | 0 | 0 | 10297 |
| TEXAS INSTRS INC | COM | 882508104 |  | 285478 | 1375 | SH |  | SOLE | 0 | 0 | 0 | 1375 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 219759 | 542 | SH |  | SOLE | 0 | 0 | 0 | 542 |
| TJX COS INC NEW | COM | 872540109 |  | 347254 | 2812 | SH |  | SOLE | 0 | 0 | 0 | 2812 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 300484 | 4091 | SH |  | SOLE | 0 | 0 | 0 | 4091 |
| TOYOTA MOTOR CORP | ADS | 892331307 |  | 632194 | 3670 | SH |  | SOLE | 0 | 0 | 0 | 3670 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 287816 | 658 | SH |  | SOLE | 0 | 0 | 0 | 658 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 302855 | 1132 | SH |  | SOLE | 0 | 0 | 0 | 1132 |
| UBS GROUP AG | SHS | H42097107 |  | 296500 | 8767 | SH |  | SOLE | 0 | 0 | 0 | 8767 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 267802 | 4378 | SH |  | SOLE | 0 | 0 | 0 | 4378 |
| UNION PAC CORP | COM | 907818108 |  | 272185 | 1183 | SH |  | SOLE | 0 | 0 | 0 | 1183 |
| UNITED RENTALS INC | COM | 911363109 |  | 288552 | 383 | SH |  | SOLE | 0 | 0 | 0 | 383 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 411800 | 1320 | SH |  | SOLE | 0 | 0 | 0 | 1320 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 332672 | 4518 | SH |  | SOLE | 0 | 0 | 0 | 4518 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 344096 | 6950 | SH |  | SOLE | 0 | 0 | 0 | 6950 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 706946 | 1245 | SH |  | SOLE | 0 | 0 | 0 | 1245 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 221616 | 1254 | SH |  | SOLE | 0 | 0 | 0 | 1254 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 2550737 | 8393 | SH |  | SOLE | 0 | 0 | 0 | 8393 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 801989 | 16215 | SH |  | SOLE | 0 | 0 | 0 | 16215 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 652871 | 5080 | SH |  | SOLE | 0 | 0 | 0 | 5080 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 329784 | 6560 | SH |  | SOLE | 0 | 0 | 0 | 6560 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 26750860 | 455101 | SH |  | SOLE | 0 | 0 | 0 | 455101 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1959045 | 34363 | SH |  | SOLE | 0 | 0 | 0 | 34363 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 374530 | 3416 | SH |  | SOLE | 0 | 0 | 0 | 3416 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 589727 | 13629 | SH |  | SOLE | 0 | 0 | 0 | 13629 |
| VERTEX PHARMACEUTICALS INC | COM | 92532F100 |  | 232840 | 523 | SH |  | SOLE | 0 | 0 | 0 | 523 |
| VISA INC | COM CL A | 92826C839 |  | 1145746 | 3227 | SH |  | SOLE | 0 | 0 | 0 | 3227 |
| VISTRA CORP | COM | 92840M102 |  | 300212 | 1549 | SH |  | SOLE | 0 | 0 | 0 | 1549 |
| WALMART INC | COM | 931142103 |  | 1001072 | 10238 | SH |  | SOLE | 0 | 0 | 0 | 10238 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 232252 | 1015 | SH |  | SOLE | 0 | 0 | 0 | 1015 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 298287 | 3723 | SH |  | SOLE | 0 | 0 | 0 | 3723 |
| WILLIAMS COS INC | COM | 969457100 |  | 224295 | 3571 | SH |  | SOLE | 0 | 0 | 0 | 3571 |

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