# EDGAR Filing Document

**Accession Number:** 0001844314
**File Stem:** 0001844314-25-000008
**Filing Date:** 2025-10
**Character Count:** 19071
**Document Hash:** 6cdfe7770e58df7afe709873567bd4d6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001844314-25-000008.hdr.sgml**: 20251028

**ACCESSION NUMBER**: 0001844314-25-000008

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251028

**DATE AS OF CHANGE**: 20251028

**EFFECTIVENESS DATE**: 20251028

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Montis Financial, LLC
- **CENTRAL INDEX KEY:** 0001844314

**ORGANIZATION NAME:**
- **EIN:** 454656575
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20655
- **FILM NUMBER:** 251422548

**BUSINESS ADDRESS:**
- **STREET 1:** 230 THIRD AVENUE
- **CITY:** WALTHAM
- **STATE:** MA
- **ZIP:** 02451
- **BUSINESS PHONE:** 781-541-5057

**MAIL ADDRESS:**
- **STREET 1:** 230 THIRD AVENUE
- **CITY:** WALTHAM
- **STATE:** MA
- **ZIP:** 02451

### 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:** Montis Financial LLC<br>**Address:** 230 THIRD AVENUE<br>WALTHAM, MA 02451

**Form 13F File Number:** 028-20655

**CRD Number (if applicable):** 000163986

**SEC File Number (if applicable):** 801-76534

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:** Adrian Ketri<br>**Title:** Chief Compliance Officer<br>**Phone:** 781-541-5057

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

Adrian Ketri  Waltham, MA  10-28-2025<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:** 153

**Form 13F Information Table Value Total:** $433648831

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| 3M CO | COM | 88579Y101 |  | 270479 | 1743 | SH |  | SOLE |  | 0 | 0 | 1743 |
| ABBVIE INC | COM | 00287Y109 |  | 761592 | 3289 | SH |  | SOLE |  | 0 | 0 | 3289 |
| ADOBE INC | COM | 00724F101 |  | 246925 | 700 | SH |  | SOLE |  | 0 | 0 | 700 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 2827846 | 11632 | SH |  | SOLE |  | 0 | 0 | 11632 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 3624458 | 14882 | SH |  | SOLE |  | 0 | 0 | 14882 |
| AMAZON COM INC | COM | 023135106 |  | 1470591 | 6698 | SH |  | SOLE |  | 0 | 0 | 6698 |
| APPLE INC | COM | 037833100 |  | 19840619 | 77919 | SH |  | SOLE |  | 0 | 0 | 77919 |
| BANK AMERICA CORP | COM | 060505104 |  | 555595 | 10769 | SH |  | SOLE |  | 0 | 0 | 10769 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 8207733 | 16326 | SH |  | SOLE |  | 0 | 0 | 16326 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 6033600 | 8 | SH |  | SOLE |  | 0 | 0 | 8 |
| BROADCOM INC | COM | 11135F101 |  | 1047328 | 3175 | SH |  | SOLE |  | 0 | 0 | 3175 |
| CABOT CORP | COM | 127055101 |  | 358119 | 4709 | SH |  | SOLE |  | 0 | 0 | 4709 |
| CANADIAN PACIFIC KANSAS CITY | COM | 13646K108 |  | 273825 | 3676 | SH |  | SOLE |  | 0 | 0 | 3676 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 235606 | 3946 | SH |  | SOLE |  | 0 | 0 | 3946 |
| CATERPILLAR INC | COM | 149123101 |  | 1750227 | 3668 | SH |  | SOLE |  | 0 | 0 | 3668 |
| CHEVRON CORP NEW | COM | 166764100 |  | 372678 | 2400 | SH |  | SOLE |  | 0 | 0 | 2400 |
| CISCO SYS INC | COM | 17275R102 |  | 232624 | 3400 | SH |  | SOLE |  | 0 | 0 | 3400 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 231905 | 251 | SH |  | SOLE |  | 0 | 0 | 251 |
| DANAHER CORPORATION | COM | 235851102 |  | 282057 | 1423 | SH |  | SOLE |  | 0 | 0 | 1423 |
| DEERE  CO | COM | 244199105 |  | 1186775 | 2595 | SH |  | SOLE |  | 0 | 0 | 2595 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 630030 | 8697 | SH |  | SOLE |  | 0 | 0 | 8697 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 6705450 | 173851 | SH |  | SOLE |  | 0 | 0 | 173851 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 312426 | 4564 | SH |  | SOLE |  | 0 | 0 | 4564 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 1095275 | 34904 | SH |  | SOLE |  | 0 | 0 | 34904 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 670472 | 15786 | SH |  | SOLE |  | 0 | 0 | 15786 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 329289 | 7196 | SH |  | SOLE |  | 0 | 0 | 7196 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 918264 | 25262 | SH |  | SOLE |  | 0 | 0 | 25262 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 884143 | 28041 | SH |  | SOLE |  | 0 | 0 | 28041 |
| EDWARDS LIFESCIENCES CORP | COM | 28176E108 |  | 330756 | 4253 | SH |  | SOLE |  | 0 | 0 | 4253 |
| ELI LILLY  CO | COM | 532457108 |  | 210588 | 276 | SH |  | SOLE |  | 0 | 0 | 276 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 330983 | 2936 | SH |  | SOLE |  | 0 | 0 | 2936 |
| FERRARI N V | COM | N3167Y103 |  | 624963 | 1288 | SH |  | SOLE |  | 0 | 0 | 1288 |
| FIDELITY COVINGTON TRUST | VLU FACTOR ETF | 316092782 |  | 895744 | 13006 | SH |  | SOLE |  | 0 | 0 | 13006 |
| FIDELITY COVINGTON TRUST | MSCI FINLS IDX | 316092501 |  | 620491 | 8128 | SH |  | SOLE |  | 0 | 0 | 8128 |
| FIRST TR EXCH TRADED FD III | INSTL PFD SECS | 33739P855 |  | 30336365 | 1568581 | SH |  | SOLE |  | 0 | 0 | 1568581 |
| FIRST TR EXCH TRADED FD III | LNG/SHT EQUITY | 33739P103 |  | 1402552 | 20051 | SH |  | SOLE |  | 0 | 0 | 20051 |
| FIRST TR EXCHANGE TRADED FD | NASDQ CLN EDGE | 33737A108 |  | 2115823 | 14005 | SH |  | SOLE |  | 0 | 0 | 14005 |
| FIRST TR EXCHANGE TRADED FD | FINLS ALPHADEX | 33734X135 |  | 1104051 | 18590 | SH |  | SOLE |  | 0 | 0 | 18590 |
| GE AEROSPACE | COM NEW | 369604301 |  | 417587 | 1388 | SH |  | SOLE |  | 0 | 0 | 1388 |
| HARTFORD FDS EXCHANGE TRADED | MUN OPORTUNITE | 41653L503 |  | 3229424 | 82869 | SH |  | SOLE |  | 0 | 0 | 82869 |
| HOME DEPOT INC | COM | 437076102 |  | 476897 | 1177 | SH |  | SOLE |  | 0 | 0 | 1177 |
| IDEXX LABS INC | COM | 45168D104 |  | 286862 | 449 | SH |  | SOLE |  | 0 | 0 | 449 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1085104 | 3846 | SH |  | SOLE |  | 0 | 0 | 3846 |
| INVESCO EXCH TRADED FD TR II | S SMALLCAP 600 | 46138G664 |  | 284845 | 5897 | SH |  | SOLE |  | 0 | 0 | 5897 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 26 | 46138J635 |  | 1227097 | 52429 | SH |  | SOLE |  | 0 | 0 | 52429 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 HY | 46138J817 |  | 2500547 | 108437 | SH |  | SOLE |  | 0 | 0 | 108437 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 24231790 | 127737 | SH |  | SOLE |  | 0 | 0 | 127737 |
| INVESCO EXCHANGE TRADED FD T | WATER RES ETF | 46137V142 |  | 222499 | 3086 | SH |  | SOLE |  | 0 | 0 | 3086 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1235870 | 2059 | SH |  | SOLE |  | 0 | 0 | 2059 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 1773987 | 24378 | SH |  | SOLE |  | 0 | 0 | 24378 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 686775 | 16209 | SH |  | SOLE |  | 0 | 0 | 16209 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 516935 | 7621 | SH |  | SOLE |  | 0 | 0 | 7621 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 696030 | 4898 | SH |  | SOLE |  | 0 | 0 | 4898 |
| ISHARES TR | EXPANDED TECH | 464287515 |  | 1515248 | 13175 | SH |  | SOLE |  | 0 | 0 | 13175 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 8141409 | 124753 | SH |  | SOLE |  | 0 | 0 | 124753 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 501186 | 5227 | SH |  | SOLE |  | 0 | 0 | 5227 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 2764931 | 23268 | SH |  | SOLE |  | 0 | 0 | 23268 |
| ISHARES TR | CORE S ETF | 464287200 |  | 11112004 | 16602 | SH |  | SOLE |  | 0 | 0 | 16602 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 2763914 | 13576 | SH |  | SOLE |  | 0 | 0 | 13576 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 2353880 | 5025 | SH |  | SOLE |  | 0 | 0 | 5025 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 3141967 | 33651 | SH |  | SOLE |  | 0 | 0 | 33651 |
| ISHARES TR | EXPND TEC SC ETF | 464287549 |  | 204113 | 1621 | SH |  | SOLE |  | 0 | 0 | 1621 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 855299 | 8859 | SH |  | SOLE |  | 0 | 0 | 8859 |
| ISHARES TR | GLOBAL 100 ETF | 464287572 |  | 1532528 | 12770 | SH |  | SOLE |  | 0 | 0 | 12770 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 |  | 2023388 | 19605 | SH |  | SOLE |  | 0 | 0 | 19605 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 2571618 | 13130 | SH |  | SOLE |  | 0 | 0 | 13130 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 2922252 | 31429 | SH |  | SOLE |  | 0 | 0 | 31429 |
| ISHARES TR | IBONDS 2026 TERM | 46436E528 |  | 760563 | 32517 | SH |  | SOLE |  | 0 | 0 | 32517 |
| ISHARES TR | IBONDS DEC25 ETF | 46434VBD1 |  | 248702 | 9873 | SH |  | SOLE |  | 0 | 0 | 9873 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 1606658 | 36358 | SH |  | SOLE |  | 0 | 0 | 36358 |
| ISHARES TR | INTERNATIONAL SL | 46434V266 |  | 1086100 | 26410 | SH |  | SOLE |  | 0 | 0 | 26410 |
| ISHARES TR | MSCI EAFE SMCP | 46435G839 |  | 423991 | 11270 | SH |  | SOLE |  | 0 | 0 | 11270 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 780996 | 11472 | SH |  | SOLE |  | 0 | 0 | 11472 |
| ISHARES TR | IBONDS 27 ETF | 46435UAA9 |  | 231146 | 9497 | SH |  | SOLE |  | 0 | 0 | 9497 |
| ISHARES TR | IBONDS DEC2026 | 46435GAA0 |  | 249807 | 10280 | SH |  | SOLE |  | 0 | 0 | 10280 |
| ISHARES TR | AGENCY BOND ETF | 464288166 |  | 740222 | 6707 | SH |  | SOLE |  | 0 | 0 | 6707 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 204971 | 2672 | SH |  | SOLE |  | 0 | 0 | 2672 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 707147 | 11770 | SH |  | SOLE |  | 0 | 0 | 11770 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 210332 | 1551 | SH |  | SOLE |  | 0 | 0 | 1551 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 5690895 | 179978 | SH |  | SOLE |  | 0 | 0 | 179978 |
| ISHARES TR | 0-5YR INVT GR CP | 46434V100 |  | 1137507 | 22379 | SH |  | SOLE |  | 0 | 0 | 22379 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 30233069 | 346273 | SH |  | SOLE |  | 0 | 0 | 346273 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 8315778 | 145635 | SH |  | SOLE |  | 0 | 0 | 145635 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 804594 | 4339 | SH |  | SOLE |  | 0 | 0 | 4339 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1926550 | 6108 | SH |  | SOLE |  | 0 | 0 | 6108 |
| LEGG MASON ETF INVT | FRANKLIN INTL LW | 52468L505 |  | 5769278 | 166022 | SH |  | SOLE |  | 0 | 0 | 166022 |
| LINDE PLC | SHS | G54950103 |  | 237500 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 728646 | 1281 | SH |  | SOLE |  | 0 | 0 | 1281 |
| MCDONALDS CORP | COM | 580135101 |  | 390029 | 1283 | SH |  | SOLE |  | 0 | 0 | 1283 |
| META PLATFORMS INC | CL A | 30303M102 |  | 971989 | 1324 | SH |  | SOLE |  | 0 | 0 | 1324 |
| MICROSOFT CORP | COM | 594918104 |  | 5057354 | 9764 | SH |  | SOLE |  | 0 | 0 | 9764 |
| MORGAN STANLEY ETF TRUST | EATON VANCE SHRT | 61774R858 |  | 283240 | 5616 | SH |  | SOLE |  | 0 | 0 | 5616 |
| NETFLIX INC | COM | 64110L106 |  | 787690 | 657 | SH |  | SOLE |  | 0 | 0 | 657 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 |  | 516956 | 5198 | SH |  | SOLE |  | 0 | 0 | 5198 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 492056 | 2637 | SH |  | SOLE |  | 0 | 0 | 2637 |
| ONESTREAM INC | CL A | 68278B107 |  | 630085 | 34188 | SH |  | SOLE |  | 0 | 0 | 34188 |
| ORACLE CORP | COM | 68389X105 |  | 938779 | 3338 | SH |  | SOLE |  | 0 | 0 | 3338 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 446017 | 2445 | SH |  | SOLE |  | 0 | 0 | 2445 |
| PEPSICO INC | COM | 713448108 |  | 517545 | 3685 | SH |  | SOLE |  | 0 | 0 | 3685 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 1265567 | 12569 | SH |  | SOLE |  | 0 | 0 | 12569 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 710791 | 4626 | SH |  | SOLE |  | 0 | 0 | 4626 |
| PROSHARES TR | S 500 DV ARIST | 74348A467 |  | 722987 | 7015 | SH |  | SOLE |  | 0 | 0 | 7015 |
| PROSHARES TR | S MDCP 400 DIV | 74347B680 |  | 321710 | 3770 | SH |  | SOLE |  | 0 | 0 | 3770 |
| RTX CORPORATION | COM | 75513E101 |  | 946167 | 5654 | SH |  | SOLE |  | 0 | 0 | 5654 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 2343848 | 73452 | SH |  | SOLE |  | 0 | 0 | 73452 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 13734787 | 503106 | SH |  | SOLE |  | 0 | 0 | 503106 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 5684053 | 215796 | SH |  | SOLE |  | 0 | 0 | 215796 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 439470 | 1559 | SH |  | SOLE |  | 0 | 0 | 1559 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 847321 | 6088 | SH |  | SOLE |  | 0 | 0 | 6088 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 5719345 | 16090 | SH |  | SOLE |  | 0 | 0 | 16090 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 5481467 | 128102 | SH |  | SOLE |  | 0 | 0 | 128102 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 10056560 | 15096 | SH |  | SOLE |  | 0 | 0 | 15096 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 506491 | 850 | SH |  | SOLE |  | 0 | 0 | 850 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 2520813 | 27475 | SH |  | SOLE |  | 0 | 0 | 27475 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 494892 | 10684 | SH |  | SOLE |  | 0 | 0 | 10684 |
| SPDR SERIES TRUST | MSCI USA STRTGIC | 78468R812 |  | 241221 | 1409 | SH |  | SOLE |  | 0 | 0 | 1409 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD TR | 85207H104 |  | 2593261 | 87551 | SH |  | SOLE |  | 0 | 0 | 87551 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD AN | 85208R101 |  | 1038694 | 28310 | SH |  | SOLE |  | 0 | 0 | 28310 |
| SPROTT ETF TRUST | GOLD MINERS ETF | 85210B102 |  | 341000 | 5500 | SH |  | SOLE |  | 0 | 0 | 5500 |
| STRYKER CORPORATION | COM | 863667101 |  | 714568 | 1933 | SH |  | SOLE |  | 0 | 0 | 1933 |
| TESLA INC | COM | 88160R101 |  | 413590 | 930 | SH |  | SOLE |  | 0 | 0 | 930 |
| THE CIGNA GROUP | COM | 125523100 |  | 215323 | 747 | SH |  | SOLE |  | 0 | 0 | 747 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 371040 | 765 | SH |  | SOLE |  | 0 | 0 | 765 |
| TJX COS INC NEW | COM | 872540109 |  | 358236 | 2478 | SH |  | SOLE |  | 0 | 0 | 2478 |
| UNION PAC CORP | COM | 907818108 |  | 542233 | 2294 | SH |  | SOLE |  | 0 | 0 | 2294 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 275286 | 3296 | SH |  | SOLE |  | 0 | 0 | 3296 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 646024 | 1979 | SH |  | SOLE |  | 0 | 0 | 1979 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 |  | 2874755 | 37628 | SH |  | SOLE |  | 0 | 0 | 37628 |
| VANECK ETF TRUST | IG FLOATING RATE | 92189F486 |  | 4806491 | 187974 | SH |  | SOLE |  | 0 | 0 | 187974 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 273970 | 447 | SH |  | SOLE |  | 0 | 0 | 447 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 402818 | 2160 | SH |  | SOLE |  | 0 | 0 | 2160 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 2102297 | 7157 | SH |  | SOLE |  | 0 | 0 | 7157 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 538609 | 2581 | SH |  | SOLE |  | 0 | 0 | 2581 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 621715 | 2445 | SH |  | SOLE |  | 0 | 0 | 2445 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 812939 | 1695 | SH |  | SOLE |  | 0 | 0 | 1695 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 6643452 | 20244 | SH |  | SOLE |  | 0 | 0 | 20244 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 1736315 | 12600 | SH |  | SOLE |  | 0 | 0 | 12600 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 640186 | 12644 | SH |  | SOLE |  | 0 | 0 | 12644 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 1004895 | 21399 | SH |  | SOLE |  | 0 | 0 | 21399 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 28741228 | 359580 | SH |  | SOLE |  | 0 | 0 | 359580 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 7534137 | 34914 | SH |  | SOLE |  | 0 | 0 | 34914 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 238525 | 3247 | SH |  | SOLE |  | 0 | 0 | 3247 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 31860135 | 531711 | SH |  | SOLE |  | 0 | 0 | 531711 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 |  | 454178 | 4456 | SH |  | SOLE |  | 0 | 0 | 4456 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 24384949 | 173004 | SH |  | SOLE |  | 0 | 0 | 173004 |
| VANGUARD WORLD FD | INDUSTRIAL ETF | 92204A603 |  | 646505 | 2182 | SH |  | SOLE |  | 0 | 0 | 2182 |
| VANGUARD WORLD FD | COMM SRVC ETF | 92204A884 |  | 340167 | 1812 | SH |  | SOLE |  | 0 | 0 | 1812 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 1100748 | 1474 | SH |  | SOLE |  | 0 | 0 | 1474 |
| VERTEX PHARMACEUTICALS INC | COM | 92532F100 |  | 861216 | 2199 | SH |  | SOLE |  | 0 | 0 | 2199 |
| VISA INC | COM CL A | 92826C839 |  | 485421 | 1422 | SH |  | SOLE |  | 0 | 0 | 1422 |
| WALMART INC | COM | 931142103 |  | 641464 | 6224 | SH |  | SOLE |  | 0 | 0 | 6224 |
| WISDOMTREE TR | INTL SMCAP DIV | 97717W760 |  | 251380 | 3162 | SH |  | SOLE |  | 0 | 0 | 3162 |
| WISDOMTREE TR | ITL HDG QTLY DIV | 97717X594 |  | 373166 | 8098 | SH |  | SOLE |  | 0 | 0 | 8098 |

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