# EDGAR Filing Document

**Accession Number:** 0001908433
**File Stem:** 0001908433-23-000001
**Filing Date:** 2023-2
**Character Count:** 23445
**Document Hash:** b849c83432e51427cd1d12508bc9e2e1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001908433-23-000001.hdr.sgml**: 20230202

**ACCESSION NUMBER**: 0001908433-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230202

**DATE AS OF CHANGE**: 20230201

**EFFECTIVENESS DATE**: 20230202

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Kathleen S. Wright Associates Inc.
- **CENTRAL INDEX KEY:** 0001908433
- **IRS NUMBER:** 251852853
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21575
- **FILM NUMBER:** 23578179

**BUSINESS ADDRESS:**
- **STREET 1:** 61 MCMURRAY ROAD
- **STREET 2:** SUITE 204
- **CITY:** PITTSBURGH
- **STATE:** PA
- **ZIP:** 15241
- **BUSINESS PHONE:** 412-854-2100

**MAIL ADDRESS:**
- **STREET 1:** 61 MCMURRAY ROAD
- **STREET 2:** SUITE 204
- **CITY:** PITTSBURGH
- **STATE:** PA
- **ZIP:** 15241

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** Kathleen S. Wright Associates Inc.<br>**Address:** 61 MCMURRAY ROAD<br>SUITE 204<br>PITTSBURGH, PA 15241

**Form 13F File Number:** 028-21575

**CRD Number (if applicable):** 000121300

**SEC File Number (if applicable):** 801-62560

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:** Adam K. Wright<br>**Title:** Chief Compliance Officer<br>**Phone:** 412-854-2100

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

Adam K. Wright  Pittsburgh, PA  02-01-2023<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:** 206

**Form 13F Information Table Value Total:** $147572000

      (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 |  | 9000 | 83 | SH |  | SOLE |  | 83 | 0 | 0 |
| ADOBE SYSTEMS INCORPORATED | COM | 00724F101 |  | 17000 | 52 | SH |  | SOLE |  | 52 | 0 | 0 |
| ADVISORS INNER CIRCLE FD III | RAYLIANT QUANTAM | 00774Q197 |  | 165000 | 9680 | SH |  | SOLE |  | 9680 | 0 | 0 |
| AFFIRM HLDGS INC | COM CL A | 00827B106 |  | 21000 | 2223 | SH |  | SOLE |  | 2223 | 0 | 0 |
| AIRBNB INC | COM CL A | 009066101 |  | 1000 | 12 | SH |  | SOLE |  | 12 | 0 | 0 |
| ALCOA CORP | COM | 013872106 |  | 5000 | 114 | SH |  | SOLE |  | 114 | 0 | 0 |
| EA SERIES TRUST | US QUAN VALUE | 02072L102 |  | 3407000 | 105937 | SH |  | SOLE |  | 105937 | 0 | 0 |
| EA SERIES TRUST | INTL QUAN VALUE | 02072L201 |  | 278000 | 12674 | SH |  | SOLE |  | 12674 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 538000 | 6060 | SH |  | SOLE |  | 6060 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 897000 | 10170 | SH |  | SOLE |  | 10170 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 1228000 | 14615 | SH |  | SOLE |  | 14615 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 3136000 | 21227 | SH |  | SOLE |  | 21227 | 0 | 0 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 |  | 538000 | 2540 | SH |  | SOLE |  | 2540 | 0 | 0 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 7000 | 23 | SH |  | SOLE |  | 23 | 0 | 0 |
| AMGEN INC | COM | 031162100 |  | 135000 | 512 | SH |  | SOLE |  | 512 | 0 | 0 |
| ANHEUSER BUSCH INBEV SA/NV | SPONSORED ADR | 03524A108 |  | 72000 | 1200 | SH |  | SOLE |  | 1200 | 0 | 0 |
| ANSYS INC | COM | 03662Q105 |  | 571000 | 2362 | SH |  | SOLE |  | 2362 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 378000 | 2912 | SH |  | SOLE |  | 2912 | 0 | 0 |
| ARCONIC CORPORATION | COM | 03966V107 |  | 2000 | 87 | SH |  | SOLE |  | 87 | 0 | 0 |
| AURORA INNOVATION INC | CLASS A COM | 051774107 |  | 17000 | 14151 | SH |  | SOLE |  | 14151 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 1803000 | 7550 | SH |  | SOLE |  | 7550 | 0 | 0 |
| BAIDU INC | SPON ADR REP A | 056752108 |  | 46000 | 400 | SH |  | SOLE |  | 400 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 3000 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| BAXTER INTL INC | COM | 071813109 |  | 5000 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 18076000 | 58516 | SH |  | SOLE |  | 58516 | 0 | 0 |
| BLACKSTONE INC | COM | 09260D107 |  | 119000 | 1600 | SH |  | SOLE |  | 1600 | 0 | 0 |
| BOEING CO | COM | 097023105 |  | 23000 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 181000 | 90 | SH |  | SOLE |  | 90 | 0 | 0 |
| BROADRIDGE FINL SOLUTIONS IN | COM | 11133T103 |  | 27000 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| BROOKFIELD CORP | CL A LTD VT SH | 11271J107 |  | 2619000 | 83254 | SH |  | SOLE |  | 83254 | 0 | 0 |
| BROOKFIELD ASSET MANAGMT LTD | CL A LMT VTG SHS | 113004105 |  | 884000 | 30848 | SH |  | SOLE |  | 30848 | 0 | 0 |
| CSW INDUSTRIALS INC | COM | 126402106 |  | 232000 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| CABLE ONE INC | COM | 12685J105 |  | 68000 | 95 | SH |  | SOLE |  | 95 | 0 | 0 |
| COTERRA ENERGY INC | COM | 127097103 |  | 6000 | 251 | SH |  | SOLE |  | 251 | 0 | 0 |
| CHIPOTLE MEXICAN GRILL INC | COM | 169656105 |  | 139000 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| CINCINNATI FINL CORP | COM | 172062101 |  | 5000 | 48 | SH |  | SOLE |  | 48 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 60000 | 1259 | SH |  | SOLE |  | 1259 | 0 | 0 |
| CITIGROUP INC | COM NEW | 172967424 |  | 5000 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| CLARUS CORP NEW | COM | 18270P109 |  | 13000 | 1600 | SH |  | SOLE |  | 1600 | 0 | 0 |
| CLEVELAND-CLIFFS INC NEW | COM | 185899101 |  | 7000 | 405 | SH |  | SOLE |  | 405 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 706000 | 11099 | SH |  | SOLE |  | 11099 | 0 | 0 |
| ENOVIS CORPORATION | COM | 194014502 |  | 7000 | 133 | SH |  | SOLE |  | 133 | 0 | 0 |
| COMMERCE BANCSHARES INC | COM | 200525103 |  | 4000 | 56 | SH |  | SOLE |  | 56 | 0 | 0 |
| CORNING INC | COM | 219350105 |  | 39000 | 1212 | SH |  | SOLE |  | 1212 | 0 | 0 |
| CORTEVA INC | COM | 22052L104 |  | 30000 | 509 | SH |  | SOLE |  | 509 | 0 | 0 |
| COSTAR GROUP INC | COM | 22160N109 |  | 468000 | 6050 | SH |  | SOLE |  | 6050 | 0 | 0 |
| DANAHER CORPORATION | COM | 235851102 |  | 7000 | 28 | SH |  | SOLE |  | 28 | 0 | 0 |
| DAVIS FUNDAMENTAL ETF TR | SELECT FINL | 23908L108 |  | 85000 | 3125 | SH |  | SOLE |  | 3125 | 0 | 0 |
| DAVIS FUNDAMENTAL ETF TR | SELECT US EQTY | 23908L207 |  | 608000 | 22388 | SH |  | SOLE |  | 22388 | 0 | 0 |
| DAVIS FUNDAMENTAL ETF TR | SELCT INTL ETF | 23908L405 |  | 903000 | 51104 | SH |  | SOLE |  | 51104 | 0 | 0 |
| DIAGEO PLC | SPON ADR NEW | 25243Q205 |  | 1212000 | 6800 | SH |  | SOLE |  | 6800 | 0 | 0 |
| DICKS SPORTING GOODS INC | COM | 253393102 |  | 150000 | 1250 | SH |  | SOLE |  | 1250 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 381000 | 4380 | SH |  | SOLE |  | 4380 | 0 | 0 |
| DOW INC | COM | 260557103 |  | 23000 | 452 | SH |  | SOLE |  | 452 | 0 | 0 |
| DUPONT DE NEMOURS INC | COM | 26614N102 |  | 28000 | 403 | SH |  | SOLE |  | 403 | 0 | 0 |
| EQT CORP | COM | 26884L109 |  | 31000 | 924 | SH |  | SOLE |  | 924 | 0 | 0 |
| EQUITRANS MIDSTREAM CORP | COM | 294600101 |  | 2000 | 240 | SH |  | SOLE |  | 240 | 0 | 0 |
| EQUITY LIFESTYLE PPTYS INC | COM | 29472R108 |  | 3000 | 41 | SH |  | SOLE |  | 41 | 0 | 0 |
| ESAB CORPORATION | COM | 29605J106 |  | 6000 | 133 | SH |  | SOLE |  | 133 | 0 | 0 |
| FORD MTR CO DEL | COM | 345370860 |  | 1000 | 117 | SH |  | SOLE |  | 117 | 0 | 0 |
| FULLER H B CO | COM | 359694106 |  | 47000 | 658 | SH |  | SOLE |  | 658 | 0 | 0 |
| GARTNER INC | COM | 366651107 |  | 6000 | 19 | SH |  | SOLE |  | 19 | 0 | 0 |
| GENERAL ELECTRIC CO | COM NEW | 369604301 |  | 9000 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| GENERAL MTRS CO | COM | 37045V100 |  | 0 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| GRAHAM HLDGS CO | COM CL B | 384637104 |  | 60000 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| HARTFORD FDS EXCHANGE TRADED | TOTAL RTRN ETF | 41653L305 |  | 2411000 | 72963 | SH |  | SOLE |  | 72963 | 0 | 0 |
| HASBRO INC | COM | 418056107 |  | 0 | 6 | SH |  | SOLE |  | 6 | 0 | 0 |
| HOWMET AEROSPACE INC | COM | 443201108 |  | 14000 | 352 | SH |  | SOLE |  | 352 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 488000 | 3456 | SH |  | SOLE |  | 3456 | 0 | 0 |
| ISHARES INC | EM MKT SM-CP ETF | 464286475 |  | 9000 | 177 | SH |  | SOLE |  | 177 | 0 | 0 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 |  | 1730000 | 32604 | SH |  | SOLE |  | 32604 | 0 | 0 |
| ISHARES INC | MSCI EQUAL WEITE | 464286681 |  | 354000 | 4855 | SH |  | SOLE |  | 4855 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1728000 | 4498 | SH |  | SOLE |  | 4498 | 0 | 0 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 674000 | 8300 | SH |  | SOLE |  | 8300 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 783000 | 3237 | SH |  | SOLE |  | 3237 | 0 | 0 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 57000 | 832 | SH |  | SOLE |  | 832 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 43000 | 247 | SH |  | SOLE |  | 247 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 456000 | 4823 | SH |  | SOLE |  | 4823 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 46000 | 439 | SH |  | SOLE |  | 439 | 0 | 0 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 7000 | 130 | SH |  | SOLE |  | 130 | 0 | 0 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 10000 | 119 | SH |  | SOLE |  | 119 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 180000 | 1710 | SH |  | SOLE |  | 1710 | 0 | 0 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 18000 | 247 | SH |  | SOLE |  | 247 | 0 | 0 |
| ISHARES TR | MBS ETF | 464288588 |  | 120000 | 1295 | SH |  | SOLE |  | 1295 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 101000 | 2030 | SH |  | SOLE |  | 2030 | 0 | 0 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 1223000 | 10641 | SH |  | SOLE |  | 10641 | 0 | 0 |
| ISHARES TR | A RATE CP BD ETF | 46429B291 |  | 554000 | 11967 | SH |  | SOLE |  | 11967 | 0 | 0 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 |  | 1266000 | 19903 | SH |  | SOLE |  | 19903 | 0 | 0 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 4422000 | 61330 | SH |  | SOLE |  | 61330 | 0 | 0 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 7000 | 60 | SH |  | SOLE |  | 60 | 0 | 0 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 7000 | 80 | SH |  | SOLE |  | 80 | 0 | 0 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 3361000 | 23035 | SH |  | SOLE |  | 23035 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 0 | 10 | SH |  | SOLE |  | 10 | 0 | 0 |
| ISHARES TR | MSCI INTL SML CP | 46434V266 |  | 4000 | 142 | SH |  | SOLE |  | 142 | 0 | 0 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 359000 | 8772 | SH |  | SOLE |  | 8772 | 0 | 0 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 567000 | 20983 | SH |  | SOLE |  | 20983 | 0 | 0 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 1261000 | 12589 | SH |  | SOLE |  | 12589 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 2492000 | 49304 | SH |  | SOLE |  | 49304 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT INC | 46641Q837 |  | 369000 | 7361 | SH |  | SOLE |  | 7361 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1470000 | 8320 | SH |  | SOLE |  | 8320 | 0 | 0 |
| LATTICE STRATEGIES TR | HARTFORD MLT ETF | 518416102 |  | 206000 | 8292 | SH |  | SOLE |  | 8292 | 0 | 0 |
| LATTICE STRATEGIES TR | HARTFORD US EQTY | 518416409 |  | 241000 | 6185 | SH |  | SOLE |  | 6185 | 0 | 0 |
| LATTICE STRATEGIES TR | HARTFORD MLT SML | 518416508 |  | 170000 | 4773 | SH |  | SOLE |  | 4773 | 0 | 0 |
| LENNAR CORP | CL A | 526057104 |  | 7000 | 76 | SH |  | SOLE |  | 76 | 0 | 0 |
| LUMENTUM HLDGS INC | COM | 55024U109 |  | 10000 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| MADISON SQUARE GRDN SPRT COR | CL A | 55825T103 |  | 18000 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| MARKEL CORP | COM | 570535104 |  | 1833000 | 1391 | SH |  | SOLE |  | 1391 | 0 | 0 |
| MARTIN MARIETTA MATLS INC | COM | 573284106 |  | 6000 | 19 | SH |  | SOLE |  | 19 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 294000 | 846 | SH |  | SOLE |  | 846 | 0 | 0 |
| MATTEL INC | COM | 577081102 |  | 0 | 18 | SH |  | SOLE |  | 18 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 9000 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| MERCADOLIBRE INC | COM | 58733R102 |  | 17000 | 20 | SH |  | SOLE |  | 20 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 21000 | 89 | SH |  | SOLE |  | 89 | 0 | 0 |
| MICROCHIP TECHNOLOGY INC. | COM | 595017104 |  | 7000 | 94 | SH |  | SOLE |  | 94 | 0 | 0 |
| MOHAWK INDS INC | COM | 608190104 |  | 36000 | 350 | SH |  | SOLE |  | 350 | 0 | 0 |
| MOODYS CORP | COM | 615369105 |  | 251000 | 900 | SH |  | SOLE |  | 900 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 30000 | 103 | SH |  | SOLE |  | 103 | 0 | 0 |
| NEWELL BRANDS INC | COM | 651229106 |  | 0 | 19 | SH |  | SOLE |  | 19 | 0 | 0 |
| NIKE INC | CL B | 654106103 |  | 5000 | 45 | SH |  | SOLE |  | 45 | 0 | 0 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 87000 | 354 | SH |  | SOLE |  | 354 | 0 | 0 |
| OWENS  MINOR INC NEW | COM | 690732102 |  | 18000 | 931 | SH |  | SOLE |  | 931 | 0 | 0 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 758000 | 4799 | SH |  | SOLE |  | 4799 | 0 | 0 |
| PPG INDS INC | COM | 693506107 |  | 221000 | 1760 | SH |  | SOLE |  | 1760 | 0 | 0 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 7000 | 24 | SH |  | SOLE |  | 24 | 0 | 0 |
| PAYCOM SOFTWARE INC | COM | 70432V102 |  | 36000 | 115 | SH |  | SOLE |  | 115 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 512000 | 10000 | SH |  | SOLE |  | 10000 | 0 | 0 |
| PIMCO ETF TR | 1-5 US TIP IDX | 72201R205 |  | 4000 | 89 | SH |  | SOLE |  | 89 | 0 | 0 |
| PIMCO EQUITY SER | RAFI DYN EMERG | 72202L389 |  | 879000 | 50591 | SH |  | SOLE |  | 50591 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 5000 | 43 | SH |  | SOLE |  | 43 | 0 | 0 |
| ROSS STORES INC | COM | 778296103 |  | 465000 | 4004 | SH |  | SOLE |  | 4004 | 0 | 0 |
| S GLOBAL INC | COM | 78409V104 |  | 28000 | 85 | SH |  | SOLE |  | 85 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 114000 | 277 | SH |  | SOLE |  | 277 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 1269000 | 38487 | SH |  | SOLE |  | 38487 | 0 | 0 |
| SPDR INDEX SHS FDS | S EMKTSC ETF | 78463X756 |  | 1168000 | 23860 | SH |  | SOLE |  | 23860 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 777000 | 26182 | SH |  | SOLE |  | 26182 | 0 | 0 |
| SPDR SER TR | PORTFOLIO CRPORT | 78464A144 |  | 484000 | 17066 | SH |  | SOLE |  | 17066 | 0 | 0 |
| SPDR SER TR | BBG CONV SEC ETF | 78464A359 |  | 39000 | 604 | SH |  | SOLE |  | 604 | 0 | 0 |
| SPDR SER TR | PORTFLI INTRMDIT | 78464A672 |  | 17000 | 588 | SH |  | SOLE |  | 588 | 0 | 0 |
| SPDR SER TR | BLOOMBERG 1-3 MO | 78468R663 |  | 62000 | 676 | SH |  | SOLE |  | 676 | 0 | 0 |
| SPDR SER TR | NUVEEN BLMBRG MU | 78468R721 |  | 1000 | 25 | SH |  | SOLE |  | 25 | 0 | 0 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 317000 | 3812 | SH |  | SOLE |  | 3812 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 0 | 10 | SH |  | SOLE |  | 10 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 54000 | 1190 | SH |  | SOLE |  | 1190 | 0 | 0 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 145000 | 2209 | SH |  | SOLE |  | 2209 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 146000 | 3612 | SH |  | SOLE |  | 3612 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 0 | 4 | SH |  | SOLE |  | 4 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 2209000 | 68595 | SH |  | SOLE |  | 68595 | 0 | 0 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 894000 | 18152 | SH |  | SOLE |  | 18152 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 |  | 4635000 | 147280 | SH |  | SOLE |  | 147280 | 0 | 0 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 546000 | 15971 | SH |  | SOLE |  | 15971 | 0 | 0 |
| SERVICENOW INC | COM | 81762P102 |  | 8000 | 20 | SH |  | SOLE |  | 20 | 0 | 0 |
| SHOPIFY INC | CL A | 82509L107 |  | 8000 | 240 | SH |  | SOLE |  | 240 | 0 | 0 |
| SONY GROUP CORPORATION | SPONSORED ADR | 835699307 |  | 5000 | 72 | SH |  | SOLE |  | 72 | 0 | 0 |
| BLOCK INC | CL A | 852234103 |  | 6000 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| STARBUCKS CORP | COM | 855244109 |  | 1000 | 9 | SH |  | SOLE |  | 9 | 0 | 0 |
| SUN CMNTYS INC | COM | 866674104 |  | 2000 | 16 | SH |  | SOLE |  | 16 | 0 | 0 |
| SYSCO CORP | COM | 871829107 |  | 17000 | 225 | SH |  | SOLE |  | 225 | 0 | 0 |
| TARGET CORP | COM | 87612E106 |  | 113000 | 760 | SH |  | SOLE |  | 760 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 11000 | 90 | SH |  | SOLE |  | 90 | 0 | 0 |
| TEXAS ROADHOUSE INC | COM | 882681109 |  | 0 | 1 | SH |  | SOLE |  | 1 | 0 | 0 |
| UBER TECHNOLOGIES INC | COM | 90353T100 |  | 69000 | 2773 | SH |  | SOLE |  | 2773 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 9000 | 17 | SH |  | SOLE |  | 17 | 0 | 0 |
| VANECK ETF TRUST | MRNGSTR INT MOAT | 92189F593 |  | 1471000 | 50852 | SH |  | SOLE |  | 50852 | 0 | 0 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 6131000 | 94456 | SH |  | SOLE |  | 94456 | 0 | 0 |
| VANECK ETF TRUST | JP MRGAN EM LOC | 92189H300 |  | 10000 | 433 | SH |  | SOLE |  | 433 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 547000 | 3603 | SH |  | SOLE |  | 3603 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 888000 | 17160 | SH |  | SOLE |  | 17160 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 1668000 | 9624 | SH |  | SOLE |  | 9624 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 313000 | 1911 | SH |  | SOLE |  | 1911 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 1865000 | 25961 | SH |  | SOLE |  | 25961 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 58000 | 1376 | SH |  | SOLE |  | 1376 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 168000 | 1552 | SH |  | SOLE |  | 1552 | 0 | 0 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 346000 | 5802 | SH |  | SOLE |  | 5802 | 0 | 0 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 4113000 | 59067 | SH |  | SOLE |  | 59067 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 2124000 | 20656 | SH |  | SOLE |  | 20656 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 689000 | 7990 | SH |  | SOLE |  | 7990 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 240000 | 6148 | SH |  | SOLE |  | 6148 | 0 | 0 |
| VANGUARD WORLD FDS | ENERGY ETF | 92204A306 |  | 78000 | 645 | SH |  | SOLE |  | 645 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 832000 | 18288 | SH |  | SOLE |  | 18288 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 0 | 2 | SH |  | SOLE |  | 2 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 7186000 | 20452 | SH |  | SOLE |  | 20452 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 33000 | 400 | SH |  | SOLE |  | 400 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 3458000 | 21775 | SH |  | SOLE |  | 21775 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 4700000 | 23061 | SH |  | SOLE |  | 23061 | 0 | 0 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 90000 | 514 | SH |  | SOLE |  | 514 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 5005000 | 23486 | SH |  | SOLE |  | 23486 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 634000 | 4520 | SH |  | SOLE |  | 4520 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 1980000 | 10787 | SH |  | SOLE |  | 10787 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 615000 | 3218 | SH |  | SOLE |  | 3218 | 0 | 0 |
| VERISK ANALYTICS INC | COM | 92345Y106 |  | 35000 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| VIAVI SOLUTIONS INC | COM | 925550105 |  | 11000 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| PARAMOUNT GLOBAL | CLASS A COM | 92556H107 |  | 0 | 6 | SH |  | SOLE |  | 6 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 1487000 | 7157 | SH |  | SOLE |  | 7157 | 0 | 0 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 453000 | 10975 | SH |  | SOLE |  | 10975 | 0 | 0 |
| WISDOMTREE TR | EMG MKTS SMCAP | 97717W281 |  | 1117000 | 25387 | SH |  | SOLE |  | 25387 | 0 | 0 |
| WISDOMTREE TR | US SMALLCAP FUND | 97717W562 |  | 8197000 | 192464 | SH |  | SOLE |  | 192464 | 0 | 0 |
| WISDOMTREE TR | INTL SMCAP DIV | 97717W760 |  | 2829000 | 48808 | SH |  | SOLE |  | 48808 | 0 | 0 |
| WISDOMTREE TR | EM EX ST-OWNED | 97717X578 |  | 1052000 | 39428 | SH |  | SOLE |  | 39428 | 0 | 0 |
| WORKDAY INC | CL A | 98138H101 |  | 42000 | 250 | SH |  | SOLE |  | 250 | 0 | 0 |
| ZILLOW GROUP INC | CL C CAP STK | 98954M200 |  | 1000 | 27 | SH |  | SOLE |  | 27 | 0 | 0 |
| ZOETIS INC | CL A | 98978V103 |  | 5000 | 37 | SH |  | SOLE |  | 37 | 0 | 0 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 9000 | 32 | SH |  | SOLE |  | 32 | 0 | 0 |
| BROOKFIELD REINS LTD | CL A EXCH LT VTG | G16250105 |  | 4000 | 137 | SH |  | SOLE |  | 137 | 0 | 0 |
| WHITE MTNS INS GROUP LTD | COM | G9618E107 |  | 537000 | 380 | SH |  | SOLE |  | 380 | 0 | 0 |
| CHUBB LIMITED | COM | H1467J104 |  | 93000 | 420 | SH |  | SOLE |  | 420 | 0 | 0 |
| SPOTIFY TECHNOLOGY S A | SHS | L8681T102 |  | 1000 | 11 | SH |  | SOLE |  | 11 | 0 | 0 |

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