# EDGAR Filing Document

**Accession Number:** 0001748271
**File Stem:** 0001748271-25-000013
**Filing Date:** 2025-10
**Character Count:** 25465
**Document Hash:** e458efef4a970e921cc405f93810ce5a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001748271-25-000013.hdr.sgml**: 20251030

**ACCESSION NUMBER**: 0001748271-25-000013

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251030

**DATE AS OF CHANGE**: 20251030

**EFFECTIVENESS DATE**: 20251030

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21141
- **FILM NUMBER:** 251433960

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

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

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

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

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

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

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

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

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

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

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

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Chris Hufman<br>**Title:** CCO<br>**Phone:** 443-376-6235

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

Chris Hufman  Baltimore, MD  10-30-2025<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:** 215

**Form 13F Information Table Value Total:** $4833134638

      (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 |  | 383932 | 2866 | SH |  | SOLE | 0 | 0 | 0 | 2866 |
| ABBVIE INC | COM | 00287Y109 |  | 875916 | 3783 | SH |  | SOLE | 0 | 0 | 0 | 3783 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 384696 | 1560 | SH |  | SOLE | 0 | 0 | 0 | 1560 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 343911 | 2126 | SH |  | SOLE | 0 | 0 | 0 | 2126 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 2675947 | 11008 | SH |  | SOLE | 0 | 0 | 0 | 11008 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 2097934 | 8614 | SH |  | SOLE | 0 | 0 | 0 | 8614 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 905418 | 13706 | SH |  | SOLE | 0 | 0 | 0 | 13706 |
| AMAZON COM INC | COM | 023135106 |  | 5608282 | 25542 | SH |  | SOLE | 0 | 0 | 0 | 25542 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 1022074 | 10269 | SH |  | SOLE | 0 | 0 | 0 | 10269 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 2401509 | 22093 | SH |  | SOLE | 0 | 0 | 0 | 22093 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 507208 | 1527 | SH |  | SOLE | 0 | 0 | 0 | 1527 |
| AMGEN INC | COM | 031162100 |  | 254871 | 903 | SH |  | SOLE | 0 | 0 | 0 | 903 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 310860 | 2512 | SH |  | SOLE | 0 | 0 | 0 | 2512 |
| APPLE INC | COM | 037833100 |  | 34140256 | 134078 | SH |  | SOLE | 0 | 0 | 0 | 134078 |
| APPLIED MATLS INC | COM | 038222105 |  | 390234 | 1906 | SH |  | SOLE | 0 | 0 | 0 | 1906 |
| AT INC | COM | 00206R102 |  | 451848 | 16000 | SH |  | SOLE | 0 | 0 | 0 | 16000 |
| AXON ENTERPRISE INC | COM | 05464C101 |  | 213857 | 298 | SH |  | SOLE | 0 | 0 | 0 | 298 |
| BANK AMERICA CORP | COM | 060505104 |  | 829275 | 16074 | SH |  | SOLE | 0 | 0 | 0 | 16074 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1712320 | 3406 | SH |  | SOLE | 0 | 0 | 0 | 3406 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 754200 | 1 | SH |  | SOLE | 0 | 0 | 0 | 1 |
| BLACKROCK INC | COM | 09290D101 |  | 221515 | 190 | SH |  | SOLE | 0 | 0 | 0 | 190 |
| BLACKSTONE INC | COM | 09260D107 |  | 509252 | 2981 | SH |  | SOLE | 0 | 0 | 0 | 2981 |
| BOEING CO | COM | 097023105 |  | 345112 | 1599 | SH |  | SOLE | 0 | 0 | 0 | 1599 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 367231 | 68 | SH |  | SOLE | 0 | 0 | 0 | 68 |
| BROADCOM INC | COM | 11135F101 |  | 2403822 | 7286 | SH |  | SOLE | 0 | 0 | 0 | 7286 |
| CATERPILLAR INC | COM | 149123101 |  | 940440 | 1971 | SH |  | SOLE | 0 | 0 | 0 | 1971 |
| CHEVRON CORP NEW | COM | 166764100 |  | 365251 | 2352 | SH |  | SOLE | 0 | 0 | 0 | 2352 |
| CHUBB LIMITED | COM | H1467J104 |  | 238131 | 844 | SH |  | SOLE | 0 | 0 | 0 | 844 |
| CISCO SYS INC | COM | 17275R102 |  | 613933 | 8973 | SH |  | SOLE | 0 | 0 | 0 | 8973 |
| CITIGROUP INC | COM NEW | 172967424 |  | 229567 | 2262 | SH |  | SOLE | 0 | 0 | 0 | 2262 |
| COCA COLA CO | COM | 191216100 |  | 382475 | 5767 | SH |  | SOLE | 0 | 0 | 0 | 5767 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 394629 | 4172 | SH |  | SOLE | 0 | 0 | 0 | 4172 |
| COPART INC | COM | 217204106 |  | 291675 | 6486 | SH |  | SOLE | 0 | 0 | 0 | 6486 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1126171 | 1217 | SH |  | SOLE | 0 | 0 | 0 | 1217 |
| DELL TECHNOLOGIES INC | CL C | 24703L202 |  | 294882 | 2080 | SH |  | SOLE | 0 | 0 | 0 | 2080 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 493149 | 15715 | SH |  | SOLE | 0 | 0 | 0 | 15715 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 872042 | 22609 | SH |  | SOLE | 0 | 0 | 0 | 22609 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 304670 | 6658 | SH |  | SOLE | 0 | 0 | 0 | 6658 |
| DISNEY WALT CO | COM | 254687106 |  | 345876 | 3021 | SH |  | SOLE | 0 | 0 | 0 | 3021 |
| DOORDASH INC | CL A | 25809K105 |  | 410977 | 1511 | SH |  | SOLE | 0 | 0 | 0 | 1511 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 213123 | 1722 | SH |  | SOLE | 0 | 0 | 0 | 1722 |
| EATON CORP PLC | SHS | G29183103 |  | 306581 | 819 | SH |  | SOLE | 0 | 0 | 0 | 819 |
| ELI LILLY  CO | COM | 532457108 |  | 2306054 | 3022 | SH |  | SOLE | 0 | 0 | 0 | 3022 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 885009 | 7849 | SH |  | SOLE | 0 | 0 | 0 | 7849 |
| FIDELITY COMWLTH TR | NASDAQ COMPSIT | 315912808 |  | 594943 | 6675 | SH |  | SOLE | 0 | 0 | 0 | 6675 |
| FIDELITY COVINGTON TRUST | MSCI INFO TECH I | 316092808 |  | 214838 | 967 | SH |  | SOLE | 0 | 0 | 0 | 967 |
| GE AEROSPACE | COM NEW | 369604301 |  | 460473 | 1531 | SH |  | SOLE | 0 | 0 | 0 | 1531 |
| GE VERNOVA INC | COM | 36828A101 |  | 245345 | 399 | SH |  | SOLE | 0 | 0 | 0 | 399 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 701803 | 881 | SH |  | SOLE | 0 | 0 | 0 | 881 |
| HCA HEALTHCARE INC | COM | 40412C101 |  | 288964 | 678 | SH |  | SOLE | 0 | 0 | 0 | 678 |
| HOME DEPOT INC | COM | 437076102 |  | 1278705 | 3156 | SH |  | SOLE | 0 | 0 | 0 | 3156 |
| HONEYWELL INTL INC | COM | 438516106 |  | 272714 | 1296 | SH |  | SOLE | 0 | 0 | 0 | 1296 |
| INTERACTIVE BROKERS GROUP IN | COM CL A | 45841N107 |  | 299649 | 4355 | SH |  | SOLE | 0 | 0 | 0 | 4355 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1730721 | 6134 | SH |  | SOLE | 0 | 0 | 0 | 6134 |
| INTUIT | COM | 461202103 |  | 262237 | 384 | SH |  | SOLE | 0 | 0 | 0 | 384 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 298750 | 668 | SH |  | SOLE | 0 | 0 | 0 | 668 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 307912 | 1246 | SH |  | SOLE | 0 | 0 | 0 | 1246 |
| INVESCO EXCH TRADED FD TR II | RAFI DVLPD MRKTS | 46138E743 |  | 203590 | 3328 | SH |  | SOLE | 0 | 0 | 0 | 3328 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 264442 | 1394 | SH |  | SOLE | 0 | 0 | 0 | 1394 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1718978 | 2863 | SH |  | SOLE | 0 | 0 | 0 | 2863 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 231190 | 3177 | SH |  | SOLE | 0 | 0 | 0 | 3177 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 20867299 | 316555 | SH |  | SOLE | 0 | 0 | 0 | 316555 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 420658 | 9688 | SH |  | SOLE | 0 | 0 | 0 | 9688 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 9906458 | 206256 | SH |  | SOLE | 0 | 0 | 0 | 206256 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 224829 | 2033 | SH |  | SOLE | 0 | 0 | 0 | 2033 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 235031 | 2846 | SH |  | SOLE | 0 | 0 | 0 | 2846 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 345906 | 2911 | SH |  | SOLE | 0 | 0 | 0 | 2911 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 |  | 24093697 | 284023 | SH |  | SOLE | 0 | 0 | 0 | 284023 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 735144 | 1940 | SH |  | SOLE | 0 | 0 | 0 | 1940 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 119773769 | 727931 | SH |  | SOLE | 0 | 0 | 0 | 727931 |
| ISHARES TR | NEW YORK MUN ETF | 464288323 |  | 23865789 | 447344 | SH |  | SOLE | 0 | 0 | 0 | 447344 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 36552660 | 206734 | SH |  | SOLE | 0 | 0 | 0 | 206734 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 493445 | 2519 | SH |  | SOLE | 0 | 0 | 0 | 2519 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 42354946 | 445185 | SH |  | SOLE | 0 | 0 | 0 | 445185 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 7196151 | 77395 | SH |  | SOLE | 0 | 0 | 0 | 77395 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 136319900 | 1280119 | SH |  | SOLE | 0 | 0 | 0 | 1280119 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 511279404 | 2628686 | SH |  | SOLE | 0 | 0 | 0 | 2628686 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 79444701 | 1392789 | SH |  | SOLE | 0 | 0 | 0 | 1392789 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 99462153 | 832250 | SH |  | SOLE | 0 | 0 | 0 | 832250 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 288795 | 4242 | SH |  | SOLE | 0 | 0 | 0 | 4242 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 287062 | 1410 | SH |  | SOLE | 0 | 0 | 0 | 1410 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 7929298 | 79095 | SH |  | SOLE | 0 | 0 | 0 | 79095 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 209083 | 2608 | SH |  | SOLE | 0 | 0 | 0 | 2608 |
| ISHARES TR | TRS FLT RT BD | 46434V860 |  | 31117805 | 615098 | SH |  | SOLE | 0 | 0 | 0 | 615098 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 102850212 | 706146 | SH |  | SOLE | 0 | 0 | 0 | 706146 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 10653761 | 73171 | SH |  | SOLE | 0 | 0 | 0 | 73171 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 1466774 | 12880 | SH |  | SOLE | 0 | 0 | 0 | 12880 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 2499110 | 106074 | SH |  | SOLE | 0 | 0 | 0 | 106074 |
| ISHARES TR | CORE S ETF | 464287200 |  | 5842238 | 8729 | SH |  | SOLE | 0 | 0 | 0 | 8729 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 222968 | 2388 | SH |  | SOLE | 0 | 0 | 0 | 2388 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 359092 | 5294 | SH |  | SOLE | 0 | 0 | 0 | 5294 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 1187605 | 9838 | SH |  | SOLE | 0 | 0 | 0 | 9838 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 120640228 | 1381746 | SH |  | SOLE | 0 | 0 | 0 | 1381746 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 482364 | 4996 | SH |  | SOLE | 0 | 0 | 0 | 4996 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 433551 | 6643 | SH |  | SOLE | 0 | 0 | 0 | 6643 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 707425 | 3426 | SH |  | SOLE | 0 | 0 | 0 | 3426 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 971482 | 2074 | SH |  | SOLE | 0 | 0 | 0 | 2074 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1785035 | 7377 | SH |  | SOLE | 0 | 0 | 0 | 7377 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 1006897 | 2755 | SH |  | SOLE | 0 | 0 | 0 | 2755 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 643089 | 12742 | SH |  | SOLE | 0 | 0 | 0 | 12742 |
| J P MORGAN EXCHANGE TRADED F | DIV RTN INT EQ | 46641Q209 |  | 237398 | 3564 | SH |  | SOLE | 0 | 0 | 0 | 3564 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 56331102 | 895424 | SH |  | SOLE | 0 | 0 | 0 | 895424 |
| JABIL INC | COM | 466313103 |  | 501011 | 2307 | SH |  | SOLE | 0 | 0 | 0 | 2307 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 2377316 | 46816 | SH |  | SOLE | 0 | 0 | 0 | 46816 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 435878 | 2351 | SH |  | SOLE | 0 | 0 | 0 | 2351 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1892003 | 5998 | SH |  | SOLE | 0 | 0 | 0 | 5998 |
| KONINKLIJKE PHILIPS N V | NY REGIS SHS NEW | 500472303 |  | 247633 | 9084 | SH |  | SOLE | 0 | 0 | 0 | 9084 |
| LINDE PLC | SHS | G54950103 |  | 201875 | 425 | SH |  | SOLE | 0 | 0 | 0 | 425 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 202679 | 406 | SH |  | SOLE | 0 | 0 | 0 | 406 |
| LOWES COS INC | COM | 548661107 |  | 557979 | 2220 | SH |  | SOLE | 0 | 0 | 0 | 2220 |
| MARATHON PETE CORP | COM | 56585A102 |  | 268872 | 1395 | SH |  | SOLE | 0 | 0 | 0 | 1395 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 843172 | 1482 | SH |  | SOLE | 0 | 0 | 0 | 1482 |
| MCDONALDS CORP | COM | 580135101 |  | 449149 | 1478 | SH |  | SOLE | 0 | 0 | 0 | 1478 |
| MCKESSON CORP | COM | 58155Q103 |  | 282750 | 366 | SH |  | SOLE | 0 | 0 | 0 | 366 |
| MERCK  CO INC | COM | 58933Y105 |  | 500703 | 5966 | SH |  | SOLE | 0 | 0 | 0 | 5966 |
| META PLATFORMS INC | CL A | 30303M102 |  | 10175041 | 13855 | SH |  | SOLE | 0 | 0 | 0 | 13855 |
| MICROSOFT CORP | COM | 594918104 |  | 6447077 | 12447 | SH |  | SOLE | 0 | 0 | 0 | 12447 |
| MOODYS CORP | COM | 615369105 |  | 208698 | 438 | SH |  | SOLE | 0 | 0 | 0 | 438 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 261966 | 1648 | SH |  | SOLE | 0 | 0 | 0 | 1648 |
| MOTOROLA SOLUTIONS INC | COM NEW | 620076307 |  | 256997 | 562 | SH |  | SOLE | 0 | 0 | 0 | 562 |
| NEOS ETF TRUST | NEOS S 500 HI | 78433H303 |  | 266259 | 5091 | SH |  | SOLE | 0 | 0 | 0 | 5091 |
| NETFLIX INC | COM | 64110L106 |  | 2112497 | 1762 | SH |  | SOLE | 0 | 0 | 0 | 1762 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 504571 | 6684 | SH |  | SOLE | 0 | 0 | 0 | 6684 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 8901723 | 47710 | SH |  | SOLE | 0 | 0 | 0 | 47710 |
| ORACLE CORP | COM | 68389X105 |  | 580225 | 2063 | SH |  | SOLE | 0 | 0 | 0 | 2063 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 1241915 | 6808 | SH |  | SOLE | 0 | 0 | 0 | 6808 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 249231 | 1224 | SH |  | SOLE | 0 | 0 | 0 | 1224 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 270660 | 357 | SH |  | SOLE | 0 | 0 | 0 | 357 |
| PARSONS CORP DEL | COM | 70202L102 |  | 1406240 | 16959 | SH |  | SOLE | 0 | 0 | 0 | 16959 |
| PEPSICO INC | COM | 713448108 |  | 311959 | 2221 | SH |  | SOLE | 0 | 0 | 0 | 2221 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 443497 | 2886 | SH |  | SOLE | 0 | 0 | 0 | 2886 |
| REGIONS FINANCIAL CORP NEW | COM | 7591EP100 |  | 245900 | 9325 | SH |  | SOLE | 0 | 0 | 0 | 9325 |
| ROYAL CARIBBEAN GROUP | COM | V7780T103 |  | 309342 | 956 | SH |  | SOLE | 0 | 0 | 0 | 956 |
| RTX CORPORATION | COM | 75513E101 |  | 577674 | 3452 | SH |  | SOLE | 0 | 0 | 0 | 3452 |
| SALESFORCE INC | COM | 79466L302 |  | 389160 | 1642 | SH |  | SOLE | 0 | 0 | 0 | 1642 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 26017121 | 1011946 | SH |  | SOLE | 0 | 0 | 0 | 1011946 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 805576 | 28874 | SH |  | SOLE | 0 | 0 | 0 | 28874 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 247615 | 7420 | SH |  | SOLE | 0 | 0 | 0 | 7420 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 215510 | 9991 | SH |  | SOLE | 0 | 0 | 0 | 9991 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 233445 | 5434 | SH |  | SOLE | 0 | 0 | 0 | 5434 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 664107 | 24326 | SH |  | SOLE | 0 | 0 | 0 | 24326 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 4852565 | 208443 | SH |  | SOLE | 0 | 0 | 0 | 208443 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 35001495 | 1096882 | SH |  | SOLE | 0 | 0 | 0 | 1096882 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 624152 | 23732 | SH |  | SOLE | 0 | 0 | 0 | 23732 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 275124 | 9451 | SH |  | SOLE | 0 | 0 | 0 | 9451 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 1330585 | 50516 | SH |  | SOLE | 0 | 0 | 0 | 50516 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 267067 | 1919 | SH |  | SOLE | 0 | 0 | 0 | 1919 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 211602 | 883 | SH |  | SOLE | 0 | 0 | 0 | 883 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 758203 | 2690 | SH |  | SOLE | 0 | 0 | 0 | 2690 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 255916 | 2162 | SH |  | SOLE | 0 | 0 | 0 | 2162 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 759694 | 5112 | SH |  | SOLE | 0 | 0 | 0 | 5112 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 59770456 | 1396832 | SH |  | SOLE | 0 | 0 | 0 | 1396832 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 16267269 | 347517 | SH |  | SOLE | 0 | 0 | 0 | 347517 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2080080 | 3122 | SH |  | SOLE | 0 | 0 | 0 | 3122 |
| SPDR SERIES TRUST | NUVEEN ICE HIGH | 78464A284 |  | 725114 | 29086 | SH |  | SOLE | 0 | 0 | 0 | 29086 |
| SPDR SERIES TRUST | SPDR S 500 ETF | 78468R796 |  | 725720 | 13231 | SH |  | SOLE | 0 | 0 | 0 | 13231 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 266291 | 2548 | SH |  | SOLE | 0 | 0 | 0 | 2548 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 53354192 | 964290 | SH |  | SOLE | 0 | 0 | 0 | 964290 |
| SPDR SERIES TRUST | BLOOMBERG INVT | 78468R200 |  | 32044817 | 1038393 | SH |  | SOLE | 0 | 0 | 0 | 1038393 |
| SPDR SERIES TRUST | S 600 SMCP VAL | 78464A300 |  | 4430016 | 49972 | SH |  | SOLE | 0 | 0 | 0 | 49972 |
| SPDR SERIES TRUST | PORTFLI INTRMDIT | 78464A672 |  | 1014997 | 35121 | SH |  | SOLE | 0 | 0 | 0 | 35121 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 2438770 | 31131 | SH |  | SOLE | 0 | 0 | 0 | 31131 |
| SPDR SERIES TRUST | PORTFOLIO AGRGTE | 78464A649 |  | 9398578 | 363581 | SH |  | SOLE | 0 | 0 | 0 | 363581 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 166450129 | 2910476 | SH |  | SOLE | 0 | 0 | 0 | 2910476 |
| SPDR SERIES TRUST | NUVEEN ICE MUNIC | 78468R721 |  | 262984 | 5771 | SH |  | SOLE | 0 | 0 | 0 | 5771 |
| SPDR SERIES TRUST | PORTFOLI S | 78464A805 |  | 15119035 | 187465 | SH |  | SOLE | 0 | 0 | 0 | 187465 |
| SYSCO CORP | COM | 871829107 |  | 882520 | 10718 | SH |  | SOLE | 0 | 0 | 0 | 10718 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 411953 | 1475 | SH |  | SOLE | 0 | 0 | 0 | 1475 |
| TESLA INC | COM | 88160R101 |  | 2837800 | 6381 | SH |  | SOLE | 0 | 0 | 0 | 6381 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 233414 | 481 | SH |  | SOLE | 0 | 0 | 0 | 481 |
| TJX COS INC NEW | COM | 872540109 |  | 367152 | 2540 | SH |  | SOLE | 0 | 0 | 0 | 2540 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 201168 | 4400 | SH |  | SOLE | 0 | 0 | 0 | 4400 |
| UBER TECHNOLOGIES INC | COM | 90353T100 |  | 415314 | 4239 | SH |  | SOLE | 0 | 0 | 0 | 4239 |
| UNION PAC CORP | COM | 907818108 |  | 294753 | 1247 | SH |  | SOLE | 0 | 0 | 0 | 1247 |
| UNITED BANKSHARES INC WEST V | COM | 909907107 |  | 348360 | 9362 | SH |  | SOLE | 0 | 0 | 0 | 9362 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 391797 | 1135 | SH |  | SOLE | 0 | 0 | 0 | 1135 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 370092 | 1134 | SH |  | SOLE | 0 | 0 | 0 | 1134 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 426176866 | 5730494 | SH |  | SOLE | 0 | 0 | 0 | 5730494 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 566171 | 6193 | SH |  | SOLE | 0 | 0 | 0 | 6193 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 220294 | 740 | SH |  | SOLE | 0 | 0 | 0 | 740 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 25578038 | 87077 | SH |  | SOLE | 0 | 0 | 0 | 87077 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 276978352 | 1485218 | SH |  | SOLE | 0 | 0 | 0 | 1485218 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 551338 | 2168 | SH |  | SOLE | 0 | 0 | 0 | 2168 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 408657 | 2341 | SH |  | SOLE | 0 | 0 | 0 | 2341 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 648407384 | 1975828 | SH |  | SOLE | 0 | 0 | 0 | 1975828 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 12435210 | 25928 | SH |  | SOLE | 0 | 0 | 0 | 25928 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 267601 | 869 | SH |  | SOLE | 0 | 0 | 0 | 869 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 1480662 | 7073 | SH |  | SOLE | 0 | 0 | 0 | 7073 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 14049618 | 22943 | SH |  | SOLE | 0 | 0 | 0 | 22943 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 8943741 | 42852 | SH |  | SOLE | 0 | 0 | 0 | 42852 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 174091142 | 3213199 | SH |  | SOLE | 0 | 0 | 0 | 3213199 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 265954 | 1930 | SH |  | SOLE | 0 | 0 | 0 | 1930 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 270883 | 3395 | SH |  | SOLE | 0 | 0 | 0 | 3395 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 432146 | 3032 | SH |  | SOLE | 0 | 0 | 0 | 3032 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 4902479 | 68691 | SH |  | SOLE | 0 | 0 | 0 | 68691 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 103104840 | 2059214 | SH |  | SOLE | 0 | 0 | 0 | 2059214 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 133364370 | 1585595 | SH |  | SOLE | 0 | 0 | 0 | 1585595 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 31135968 | 529073 | SH |  | SOLE | 0 | 0 | 0 | 529073 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 27083644 | 476322 | SH |  | SOLE | 0 | 0 | 0 | 476322 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 5576527 | 46278 | SH |  | SOLE | 0 | 0 | 0 | 46278 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1116418 | 5174 | SH |  | SOLE | 0 | 0 | 0 | 5174 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 1028448 | 14000 | SH |  | SOLE | 0 | 0 | 0 | 14000 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 723816324 | 12079712 | SH |  | SOLE | 0 | 0 | 0 | 12079712 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 719204 | 5103 | SH |  | SOLE | 0 | 0 | 0 | 5103 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 112202206 | 278819 | SH |  | SOLE | 0 | 0 | 0 | 278819 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 42370539 | 357738 | SH |  | SOLE | 0 | 0 | 0 | 357738 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 21218295 | 305871 | SH |  | SOLE | 0 | 0 | 0 | 305871 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 431632 | 578 | SH |  | SOLE | 0 | 0 | 0 | 578 |
| VEEVA SYS INC | CL A COM | 922475108 |  | 409030 | 1373 | SH |  | SOLE | 0 | 0 | 0 | 1373 |
| VERTEX PHARMACEUTICALS INC | COM | 92532F100 |  | 270623 | 691 | SH |  | SOLE | 0 | 0 | 0 | 691 |
| VISA INC | COM CL A | 92826C839 |  | 1240234 | 3633 | SH |  | SOLE | 0 | 0 | 0 | 3633 |
| WALMART INC | COM | 931142103 |  | 1286321 | 12481 | SH |  | SOLE | 0 | 0 | 0 | 12481 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 360700 | 1633 | SH |  | SOLE | 0 | 0 | 0 | 1633 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 352966 | 4211 | SH |  | SOLE | 0 | 0 | 0 | 4211 |
| WELLTOWER INC | COM | 95040Q104 |  | 249930 | 1403 | SH |  | SOLE | 0 | 0 | 0 | 1403 |

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