# EDGAR Filing Document

**Accession Number:** 0001840486
**File Stem:** 0001840486-26-000003
**Filing Date:** 2026-4
**Character Count:** 16777
**Document Hash:** 41bad65d15044bf811e276fed5d5b957
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001840486-26-000003.hdr.sgml**: 20260410

**ACCESSION NUMBER**: 0001840486-26-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260410

**DATE AS OF CHANGE**: 20260410

**EFFECTIVENESS DATE**: 20260410

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Harbor Group, Inc.
- **CENTRAL INDEX KEY:** 0001840486

**ORGANIZATION NAME:**
- **EIN:** 020374790
- **STATE OF INCORPORATION:** NH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20446
- **FILM NUMBER:** 26854461

**BUSINESS ADDRESS:**
- **STREET 1:** 331 SOUTH RIVER ROAD
- **CITY:** BEDFORD
- **STATE:** NH
- **ZIP:** 03110
- **BUSINESS PHONE:** 603-668-0634

**MAIL ADDRESS:**
- **STREET 1:** 331 SOUTH RIVER ROAD
- **CITY:** BEDFORD
- **STATE:** NH
- **ZIP:** 03110

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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:** Harbor Group Inc.<br>**Address:** 331 SOUTH RIVER ROAD<br>BEDFORD, NH 03110

**Form 13F File Number:** 028-20446

**CRD Number (if applicable):** 000105637

**SEC File Number (if applicable):** 801-22924

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:** Christopher MacBean<br>**Title:** Chief Compliance Officer<br>**Phone:** 603-668-0634

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

/s/Christopher MacBean  Bedford, NH  04-10-2026<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:** 0

**Form 13F Information Table Entry Total:** 116

**Form 13F Information Table Value Total:** $692454811

      (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 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 307487 | 1414 | SH |  | SOLE |  | 0 | 0 | 1414 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 | BBG001S5NN36 | 583641 | 2869 | SH |  | SOLE |  | 0 | 0 | 2869 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 275564 | 958 | SH |  | SOLE |  | 0 | 0 | 958 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 309923 | 1080 | SH |  | SOLE |  | 0 | 0 | 1080 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 291529 | 1400 | SH |  | SOLE |  | 0 | 0 | 1400 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 | BBG00Q6ZDXT0 | 5204494 | 64588 | SH |  | SOLE |  | 0 | 0 | 64588 |
| AMERICAN CENTY ETF TR | INTERNATIONAL LR | 025072364 | BBG012R45GX9 | 5186431 | 69310 | SH |  | SOLE |  | 0 | 0 | 69310 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 | BBG00Q9MR7Z1 | 6062698 | 60712 | SH |  | SOLE |  | 0 | 0 | 60712 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 | BBG00Q9MQZW3 | 24739783 | 223950 | SH |  | SOLE |  | 0 | 0 | 223950 |
| AMERICAN EXPRESS CO | COM | 025816109 | BBG001S5P034 | 285082 | 942 | SH |  | SOLE |  | 0 | 0 | 942 |
| ANALOG DEVICES INC | COM | 032654105 | BBG001S5ND38 | 1542803 | 4849 | SH |  | SOLE |  | 0 | 0 | 4849 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 2275661 | 8967 | SH |  | SOLE |  | 0 | 0 | 8967 |
| AT INC | COM | 00206R102 | BBG001S5VWH2 | 670528 | 23130 | SH |  | SOLE |  | 0 | 0 | 23130 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 744677 | 1554 | SH |  | SOLE |  | 0 | 0 | 1554 |
| BNY MELLON ETF TRUST | CONCENTRATED INT | 09661T834 | BBG013VPCL11 | 48342994 | 977236 | SH |  | SOLE |  | 0 | 0 | 977236 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 306138 | 989 | SH |  | SOLE |  | 0 | 0 | 989 |
| CATERPILLAR INC | COM | 149123101 | BBG001S5PJ06 | 3457405 | 4880 | SH |  | SOLE |  | 0 | 0 | 4880 |
| CGI INC | CL A SUB VTG | 12532H104 | BBG001S5YY67 | 458703 | 6275 | SH |  | SOLE |  | 0 | 0 | 6275 |
| CHEVRON CORPORATION | COM | 166764100 | BBG001S67ZC5 | 439301 | 2123 | SH |  | SOLE |  | 0 | 0 | 2123 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 243411 | 3201 | SH |  | SOLE |  | 0 | 0 | 3201 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 | BBG001S9KRQ7 | 536626 | 539 | SH |  | SOLE |  | 0 | 0 | 539 |
| CSX CORP | COM | 126408103 | BBG001S5Q7Q3 | 602838 | 14685 | SH |  | SOLE |  | 0 | 0 | 14685 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 | BBG011DXY6D4 | 498331 | 12824 | SH |  | SOLE |  | 0 | 0 | 12824 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 | BBG011DXY0L8 | 213700 | 3422 | SH |  | SOLE |  | 0 | 0 | 3422 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 | BBG012G2PD33 | 3889933 | 114511 | SH |  | SOLE |  | 0 | 0 | 114511 |
| EASTERN BANKSHARES INC | COM | 27627N105 | BBG00W9KWY41 | 1456105 | 74443 | SH |  | SOLE |  | 0 | 0 | 74443 |
| ECOLAB INC | COM | 278865100 | BBG001S5QRB5 | 311057 | 1169 | SH |  | SOLE |  | 0 | 0 | 1169 |
| ELEVANCE HEALTH INC FORMERLY | COM | 036752103 | BBG001S6KBQ8 | 216951 | 741 | SH |  | SOLE |  | 0 | 0 | 741 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 231342 | 252 | SH |  | SOLE |  | 0 | 0 | 252 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 813098 | 4793 | SH |  | SOLE |  | 0 | 0 | 4793 |
| FIDELITY COVINGTON TRUST | ENHANCED LARGE | 31609A107 | BBG01K786JL8 | 301945 | 8649 | SH |  | SOLE |  | 0 | 0 | 8649 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 | BBG0078X1341 | 49813788 | 1091929 | SH |  | SOLE |  | 0 | 0 | 1091929 |
| FRANKLIN TEMPLETON ETF TR | US MID CP MLTFCT | 35473P884 | BBG00GKQZJ13 | 49514349 | 901408 | SH |  | SOLE |  | 0 | 0 | 901408 |
| GE AEROSPACE | COM NEW | 369604301 | BBG001S5PVD5 | 876029 | 3087 | SH |  | SOLE |  | 0 | 0 | 3087 |
| GE VERNOVA INC | COM | 36828A101 | BBG013G17W77 | 648645 | 743 | SH |  | SOLE |  | 0 | 0 | 743 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 287313 | 874 | SH |  | SOLE |  | 0 | 0 | 874 |
| INDEPENDENT BK CORP MASS | COM | 453836108 | BBG001S5S8F1 | 231970 | 3084 | SH |  | SOLE |  | 0 | 0 | 3084 |
| INTUIT | COM | 461202103 | BBG001S6TWR2 | 575998 | 1332 | SH |  | SOLE |  | 0 | 0 | 1332 |
| INVESCO EXCHANGE TRADED FD T | S MIDCAP 400 | 46137V225 | BBG00KJR2CS6 | 213486 | 1806 | SH |  | SOLE |  | 0 | 0 | 1806 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 | BBG00KJR2NN7 | 274695 | 1431 | SH |  | SOLE |  | 0 | 0 | 1431 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 1269709 | 2200 | SH |  | SOLE |  | 0 | 0 | 2200 |
| ISHARES TR | CORE 60/40 BALAN | 464289867 | BBG001T3YV58 | 1800869 | 27986 | SH |  | SOLE |  | 0 | 0 | 27986 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 | BBG001V0XLT8 | 275376 | 2029 | SH |  | SOLE |  | 0 | 0 | 2029 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 877942 | 9698 | SH |  | SOLE |  | 0 | 0 | 9698 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 23248911 | 344275 | SH |  | SOLE |  | 0 | 0 | 344275 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 20420320 | 164269 | SH |  | SOLE |  | 0 | 0 | 164269 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 556787 | 3909 | SH |  | SOLE |  | 0 | 0 | 3909 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 20636821 | 31593 | SH |  | SOLE |  | 0 | 0 | 31593 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 | BBG001SP62C7 | 4332530 | 38902 | SH |  | SOLE |  | 0 | 0 | 38902 |
| ISHARES TR | EAFE SML CP ETF | 464288273 | BBG001SYVWS7 | 714575 | 9113 | SH |  | SOLE |  | 0 | 0 | 9113 |
| ISHARES TR | EAFE VALUE ETF | 464288877 | BBG001SNYBH6 | 4685018 | 63013 | SH |  | SOLE |  | 0 | 0 | 63013 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 | BBG00D7BBRS7 | 410237 | 4290 | SH |  | SOLE |  | 0 | 0 | 4290 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 | BBG00KK87757 | 284880 | 6059 | SH |  | SOLE |  | 0 | 0 | 6059 |
| ISHARES TR | ESG OPTIMIZED | 464288802 | BBG001SN86J4 | 535669 | 4055 | SH |  | SOLE |  | 0 | 0 | 4055 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 | BBG006S5D3J3 | 637778 | 25359 | SH |  | SOLE |  | 0 | 0 | 25359 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 | BBG007WGM3H4 | 38826173 | 839848 | SH |  | SOLE |  | 0 | 0 | 839848 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | BBG0025X2G81 | 374533 | 4039 | SH |  | SOLE |  | 0 | 0 | 4039 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 9074262 | 85485 | SH |  | SOLE |  | 0 | 0 | 85485 |
| ISHARES TR | RUS 1000 ETF | 464287622 | BBG001S562W9 | 792810 | 2223 | SH |  | SOLE |  | 0 | 0 | 2223 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 787867 | 1848 | SH |  | SOLE |  | 0 | 0 | 1848 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 | BBG001S562P7 | 452451 | 2118 | SH |  | SOLE |  | 0 | 0 | 2118 |
| ISHARES TR | S 500 GRWT ETF | 464287309 | BBG001S561Q8 | 289093 | 2556 | SH |  | SOLE |  | 0 | 0 | 2556 |
| J P MORGAN EXCHANGE TRADED F | CORE PLUS BD ETF | 46641Q670 | BBG00N6W8XF5 | 50443307 | 1071438 | SH |  | SOLE |  | 0 | 0 | 1071438 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 | BBG00M8D48L9 | 15450731 | 309076 | SH |  | SOLE |  | 0 | 0 | 309076 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 | BBG00M8D2458 | 241660 | 4740 | SH |  | SOLE |  | 0 | 0 | 4740 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 328315 | 1343 | SH |  | SOLE |  | 0 | 0 | 1343 |
| JPMORGAN CHASE  CO | COM | 46625H100 | BBG001S8CRC3 | 1118244 | 3801 | SH |  | SOLE |  | 0 | 0 | 3801 |
| KEYSIGHT TECHNOLOGIES INC | COM | 49338L103 | BBG0059FN820 | 606813 | 2149 | SH |  | SOLE |  | 0 | 0 | 2149 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 510158 | 844 | SH |  | SOLE |  | 0 | 0 | 844 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 | BBG001SKNNS6 | 220128 | 441 | SH |  | SOLE |  | 0 | 0 | 441 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 981966 | 2653 | SH |  | SOLE |  | 0 | 0 | 2653 |
| NOMURA ETF TR | NATIONAL HIGH YL | 555927870 | BBG01SLTFM96 | 18019063 | 744931 | SH |  | SOLE |  | 0 | 0 | 744931 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 313731 | 1799 | SH |  | SOLE |  | 0 | 0 | 1799 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 277508 | 1886 | SH |  | SOLE |  | 0 | 0 | 1886 |
| PIMCO ETF TR | MUNI INCOME OPP | 72201R635 | BBG012DX1041 | 216455 | 4792 | SH |  | SOLE |  | 0 | 0 | 4792 |
| PUTNAM ETF TRUST | FOCUSED LAR CAP | 746729300 | BBG0115QY0G8 | 39940204 | 860780 | SH |  | SOLE |  | 0 | 0 | 860780 |
| RTX CORPORATION | COM | 75513E101 | BBG001S5X5Q9 | 722279 | 3744 | SH |  | SOLE |  | 0 | 0 | 3744 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 | BBG0051J0PJ9 | 1808577 | 64940 | SH |  | SOLE |  | 0 | 0 | 64940 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 240963 | 7854 | SH |  | SOLE |  | 0 | 0 | 7854 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | BBG001T66WN0 | 21296614 | 731089 | SH |  | SOLE |  | 0 | 0 | 731089 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 | BBG001T66WQ7 | 9973302 | 326994 | SH |  | SOLE |  | 0 | 0 | 326994 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 7105917 | 277142 | SH |  | SOLE |  | 0 | 0 | 277142 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 | BBG001V036R6 | 14713351 | 475237 | SH |  | SOLE |  | 0 | 0 | 475237 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | BBG001T5XQW5 | 2783781 | 95728 | SH |  | SOLE |  | 0 | 0 | 95728 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 | BBG001S7TCZ5 | 269603 | 2029 | SH |  | SOLE |  | 0 | 0 | 2029 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 | BBG001SPTB87 | 2816674 | 36800 | SH |  | SOLE |  | 0 | 0 | 36800 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A284 | BBG001V11QG4 | 2936137 | 118393 | SH |  | SOLE |  | 0 | 0 | 118393 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 | BBG001SPTBP8 | 263045 | 1802 | SH |  | SOLE |  | 0 | 0 | 1802 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 | BBG001SD7RB9 | 18828367 | 192303 | SH |  | SOLE |  | 0 | 0 | 192303 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 | BBG001SG4284 | 27456598 | 485270 | SH |  | SOLE |  | 0 | 0 | 485270 |
| SPRINKLR INC | CL A | 85208T107 | BBG0043NCD14 | 65250 | 10875 | SH |  | SOLE |  | 0 | 0 | 10875 |
| SSGA ACTIVE ETF TR | STATE STREET MUL | 78467V103 | BBG002XY88Z0 | 10533332 | 291378 | SH |  | SOLE |  | 0 | 0 | 291378 |
| STATE STR SPDR DOW JONES IND | UT SER 1 | 78467X109 | BBG001S8LH99 | 278436 | 601 | SH |  | SOLE |  | 0 | 0 | 601 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 | BBG001S72SM3 | 703490 | 1082 | SH |  | SOLE |  | 0 | 0 | 1082 |
| STATE STR SPDR S MIDCAP 40 | UTSER1 S | 78467Y107 | BBG001S63NQ1 | 468925 | 760 | SH |  | SOLE |  | 0 | 0 | 760 |
| T ROWE PRICE ETF INC | CAP APPRECIATION | 87283Q867 | BBG01GZY8BG0 | 5038633 | 141574 | SH |  | SOLE |  | 0 | 0 | 141574 |
| T ROWE PRICE ETF INC | PRICE BLUE CHIP | 87283Q107 | BBG00WGK8YP7 | 22639632 | 512441 | SH |  | SOLE |  | 0 | 0 | 512441 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 224537 | 604 | SH |  | SOLE |  | 0 | 0 | 604 |
| TEXAS INSTRS INC | COM | 882508104 | BBG001S5WYZ7 | 268728 | 1384 | SH |  | SOLE |  | 0 | 0 | 1384 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 | BBG001S60L15 | 294113 | 3152 | SH |  | SOLE |  | 0 | 0 | 3152 |
| UNDER ARMOUR INC | CL A | 904311107 | BBG001SJLLQ7 | 444356 | 18286 | SH | Call | SOLE |  | 0 | 0 | 18286 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 | BBG001S6WCJ1 | 605511 | 2238 | SH |  | SOLE |  | 0 | 0 | 2238 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 | BBG002XRNHT5 | 46863090 | 484623 | SH |  | SOLE |  | 0 | 0 | 484623 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 | BBG002D68GN8 | 205524 | 536 | SH |  | SOLE |  | 0 | 0 | 536 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 2107285 | 4824 | SH |  | SOLE |  | 0 | 0 | 4824 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 1729885 | 6024 | SH |  | SOLE |  | 0 | 0 | 6024 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 642737 | 1076 | SH |  | SOLE |  | 0 | 0 | 1076 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 1132903 | 4325 | SH |  | SOLE |  | 0 | 0 | 4325 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 1641439 | 5117 | SH |  | SOLE |  | 0 | 0 | 5117 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 853075 | 4348 | SH |  | SOLE |  | 0 | 0 | 4348 |
| VANGUARD MALVERN FDS | CORE-PLUS BD ETF | 922020755 | BBG01KG1P4G1 | 6541981 | 84316 | SH |  | SOLE |  | 0 | 0 | 84316 |
| VANGUARD MUN BD FDS | SHORT TAX EXEMPT | 922907696 | BBG01QXXK713 | 2399893 | 31458 | SH |  | SOLE |  | 0 | 0 | 31458 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | BBG001TJR1D8 | 422364 | 5477 | SH |  | SOLE |  | 0 | 0 | 5477 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 525375 | 8199 | SH |  | SOLE |  | 0 | 0 | 8199 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 408542 | 8138 | SH |  | SOLE |  | 0 | 0 | 8138 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 1011221 | 3346 | SH |  | SOLE |  | 0 | 0 | 3346 |

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