# EDGAR Filing Document

**Accession Number:** 0001865158
**File Stem:** 0001865158-23-000002
**Filing Date:** 2023-2
**Character Count:** 21394
**Document Hash:** bf37f96d79172be131aabe4d58106751
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001865158-23-000002.hdr.sgml**: 20230201

**ACCESSION NUMBER**: 0001865158-23-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230201

**DATE AS OF CHANGE**: 20230201

**EFFECTIVENESS DATE**: 20230201

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Keystone Financial Services
- **CENTRAL INDEX KEY:** 0001865158
- **IRS NUMBER:** 274282782
- **STATE OF INCORPORATION:** CO
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21556
- **FILM NUMBER:** 23575691

**BUSINESS ADDRESS:**
- **STREET 1:** 4090 CLYDESDALE PARKWAY
- **STREET 2:** SUITE 201
- **CITY:** LOVELAND
- **STATE:** CO
- **ZIP:** 80538
- **BUSINESS PHONE:** 970-744-5408

**MAIL ADDRESS:**
- **STREET 1:** 4090 CLYDESDALE PARKWAY
- **STREET 2:** SUITE 201
- **CITY:** LOVELAND
- **STATE:** CO
- **ZIP:** 80538

### 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:** Keystone Financial Services<br>**Address:** 4090 CLYDESDALE PARKWAY<br>SUITE 201<br>LOVELAND, CO 80538

**Form 13F File Number:** 028-21556

**CRD Number (if applicable):** 000310623

**SEC File Number (if applicable):** 801-119534

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:** Wendi Warren<br>**Title:** Compliance Manager<br>**Phone:** 9707445408

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

Wendi Warren  Wooster, OH  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:** 185

**Form 13F Information Table Value Total:** $185981814

      (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 |
| AGNC INVT CORP | COM | 00123Q104 |  | 78265 | 6747 | SH |  | SOLE | 0 | 0 | 0 | 6747 |
| AGNC INVT CORP | COM | 00123Q104 |  | 42433 | 3658 | SH |  | SOLE | 0 | 0 | 0 | 3658 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 823928 | 8250 | SH |  | SOLE | 0 | 0 | 0 | 8250 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 6891 | 69 | SH |  | SOLE | 0 | 0 | 0 | 69 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 472285 | 4729 | SH |  | SOLE | 0 | 0 | 0 | 4729 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 221995 | 2246 | SH |  | SOLE | 0 | 0 | 0 | 2246 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 33902 | 343 | SH |  | SOLE | 0 | 0 | 0 | 343 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 126125 | 721 | SH |  | SOLE | 0 | 0 | 0 | 721 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 1225 | 7 | SH |  | SOLE | 0 | 0 | 0 | 7 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 160411 | 917 | SH |  | SOLE | 0 | 0 | 0 | 917 |
| AMERISOURCEBERGEN CORP | COM | 03073E105 |  | 540841 | 3201 | SH |  | SOLE | 0 | 0 | 0 | 3201 |
| AMERISOURCEBERGEN CORP | COM | 03073E105 |  | 4224 | 25 | SH |  | SOLE | 0 | 0 | 0 | 25 |
| AMERISOURCEBERGEN CORP | COM | 03073E105 |  | 76201 | 451 | SH |  | SOLE | 0 | 0 | 0 | 451 |
| ANALOG DEVICES INC | COM | 032654105 |  | 455662 | 2657 | SH |  | SOLE | 0 | 0 | 0 | 2657 |
| ANALOG DEVICES INC | COM | 032654105 |  | 4287 | 25 | SH |  | SOLE | 0 | 0 | 0 | 25 |
| ANALOG DEVICES INC | COM | 032654105 |  | 61558 | 359 | SH |  | SOLE | 0 | 0 | 0 | 359 |
| APPLE INC | COM | 037833100 |  | 693025 | 4803 | SH |  | SOLE | 0 | 0 | 0 | 4803 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 291283 | 5760 | SH |  | SOLE | 0 | 0 | 0 | 5760 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 2882 | 57 | SH |  | SOLE | 0 | 0 | 0 | 57 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 210927 | 4171 | SH |  | SOLE | 0 | 0 | 0 | 4171 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 413186 | 1638 | SH |  | SOLE | 0 | 0 | 0 | 1638 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 4036 | 16 | SH |  | SOLE | 0 | 0 | 0 | 16 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 235573 | 934 | SH |  | SOLE | 0 | 0 | 0 | 934 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1585014 | 5088 | SH |  | SOLE | 0 | 0 | 0 | 5088 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 13395 | 43 | SH |  | SOLE | 0 | 0 | 0 | 43 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 786900 | 2526 | SH |  | SOLE | 0 | 0 | 0 | 2526 |
| BLACKROCK ETF TRUST | US CARBON TRANS | 09290C509 |  | 24437 | 541 | SH |  | SOLE | 0 | 0 | 0 | 541 |
| BLACKROCK ETF TRUST | US CARBON TRANS | 09290C509 |  | 411760 | 9116 | SH |  | SOLE | 0 | 0 | 0 | 9116 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 443006 | 182 | SH |  | SOLE | 0 | 0 | 0 | 182 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 4868 | 2 | SH |  | SOLE | 0 | 0 | 0 | 2 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 408929 | 168 | SH |  | SOLE | 0 | 0 | 0 | 168 |
| BROADRIDGE FINL SOLUTIONS IN | COM | 11133T103 |  | 250650 | 1667 | SH |  | SOLE | 0 | 0 | 0 | 1667 |
| CARMAX INC | COM | 143130102 |  | 358097 | 5083 | SH |  | SOLE | 0 | 0 | 0 | 5083 |
| CARMAX INC | COM | 143130102 |  | 2888 | 41 | SH |  | SOLE | 0 | 0 | 0 | 41 |
| CARMAX INC | COM | 143130102 |  | 286802 | 4071 | SH |  | SOLE | 0 | 0 | 0 | 4071 |
| CIGNA CORP NEW | COM | 125523100 |  | 278670 | 880 | SH |  | SOLE | 0 | 0 | 0 | 880 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 493167 | 12533 | SH |  | SOLE | 0 | 0 | 0 | 12533 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 4801 | 122 | SH |  | SOLE | 0 | 0 | 0 | 122 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 286940 | 7292 | SH |  | SOLE | 0 | 0 | 0 | 7292 |
| DIAMONDBACK ENERGY INC | COM | 25278X109 |  | 84165 | 576 | SH |  | SOLE | 0 | 0 | 0 | 576 |
| DIAMONDBACK ENERGY INC | COM | 25278X109 |  | 41644 | 285 | SH |  | SOLE | 0 | 0 | 0 | 285 |
| DIAMONDBACK ENERGY INC | COM | 25278X109 |  | 209828 | 1436 | SH |  | SOLE | 0 | 0 | 0 | 1436 |
| DOLLAR TREE INC | COM | 256746108 |  | 10062 | 67 | SH |  | SOLE | 0 | 0 | 0 | 67 |
| DOLLAR TREE INC | COM | 256746108 |  | 222116 | 1479 | SH |  | SOLE | 0 | 0 | 0 | 1479 |
| EBAY INC. | COM | 278642103 |  | 379533 | 7667 | SH |  | SOLE | 0 | 0 | 0 | 7667 |
| EBAY INC. | COM | 278642103 |  | 3564 | 72 | SH |  | SOLE | 0 | 0 | 0 | 72 |
| EBAY INC. | COM | 278642103 |  | 322394 | 6513 | SH |  | SOLE | 0 | 0 | 0 | 6513 |
| ENBRIDGE INC | COM | 29250N105 |  | 516058 | 12596 | SH |  | SOLE | 0 | 0 | 0 | 12596 |
| ENBRIDGE INC | COM | 29250N105 |  | 4179 | 102 | SH |  | SOLE | 0 | 0 | 0 | 102 |
| ENBRIDGE INC | COM | 29250N105 |  | 282447 | 6894 | SH |  | SOLE | 0 | 0 | 0 | 6894 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 217635 | 1876 | SH |  | SOLE | 0 | 0 | 0 | 1876 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 2088 | 18 | SH |  | SOLE | 0 | 0 | 0 | 18 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 30743 | 265 | SH |  | SOLE | 0 | 0 | 0 | 265 |
| FIRST TR EXCHANGE-TRADED FD | FST LOW OPPT EFT | 33739Q200 |  | 66633 | 1387 | SH |  | SOLE | 0 | 0 | 0 | 1387 |
| FIRST TR EXCHANGE-TRADED FD | FST LOW OPPT EFT | 33739Q200 |  | 167615 | 3489 | SH |  | SOLE | 0 | 0 | 0 | 3489 |
| FIRST TR EXCHNG TRADED FD VI | TCW OPPORTUNIS | 33740F805 |  | 128826 | 2833 | SH |  | SOLE | 0 | 0 | 0 | 2833 |
| FIRST TR EXCHNG TRADED FD VI | TCW OPPORTUNIS | 33740F805 |  | 312630 | 6875 | SH |  | SOLE | 0 | 0 | 0 | 6875 |
| FISERV INC | COM | 337738108 |  | 107000 | 1003 | SH |  | SOLE | 0 | 0 | 0 | 1003 |
| FISERV INC | COM | 337738108 |  | 45979 | 431 | SH |  | SOLE | 0 | 0 | 0 | 431 |
| FISERV INC | COM | 337738108 |  | 189677 | 1778 | SH |  | SOLE | 0 | 0 | 0 | 1778 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 386180 | 1657 | SH |  | SOLE | 0 | 0 | 0 | 1657 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 3729 | 16 | SH |  | SOLE | 0 | 0 | 0 | 16 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 58032 | 249 | SH |  | SOLE | 0 | 0 | 0 | 249 |
| HANESBRANDS INC | COM | 410345102 |  | 5672 | 672 | SH |  | SOLE | 0 | 0 | 0 | 672 |
| HANESBRANDS INC | COM | 410345102 |  | 134390 | 15923 | SH |  | SOLE | 0 | 0 | 0 | 15923 |
| INGREDION INC | COM | 457187102 |  | 18607 | 181 | SH |  | SOLE | 0 | 0 | 0 | 181 |
| INGREDION INC | COM | 457187102 |  | 337492 | 3283 | SH |  | SOLE | 0 | 0 | 0 | 3283 |
| INVESCO DB COMMDY INDX TRCK | UNIT | 46138B103 |  | 222487 | 8946 | SH |  | SOLE | 0 | 0 | 0 | 8946 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 317011 | 1076 | SH |  | SOLE | 0 | 0 | 0 | 1076 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 4339414 | 85304 | SH |  | SOLE | 0 | 0 | 0 | 85304 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 6083594 | 119591 | SH |  | SOLE | 0 | 0 | 0 | 119591 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 14656 | 444 | SH |  | SOLE | 0 | 0 | 0 | 444 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 364224 | 11034 | SH |  | SOLE | 0 | 0 | 0 | 11034 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 17651 | 246 | SH |  | SOLE | 0 | 0 | 0 | 246 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 308439 | 4299 | SH |  | SOLE | 0 | 0 | 0 | 4299 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 17797 | 490 | SH |  | SOLE | 0 | 0 | 0 | 490 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 293936 | 8093 | SH |  | SOLE | 0 | 0 | 0 | 8093 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 703540 | 18077 | SH |  | SOLE | 0 | 0 | 0 | 18077 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 933007 | 23972 | SH |  | SOLE | 0 | 0 | 0 | 23972 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 28606 | 874 | SH |  | SOLE | 0 | 0 | 0 | 874 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 480090 | 14668 | SH |  | SOLE | 0 | 0 | 0 | 14668 |
| ISHARES TR | ESG EAFE ETF | 46436E759 |  | 16389 | 276 | SH |  | SOLE | 0 | 0 | 0 | 276 |
| ISHARES TR | ESG EAFE ETF | 46436E759 |  | 276830 | 4662 | SH |  | SOLE | 0 | 0 | 0 | 4662 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 1919301 | 16706 | SH |  | SOLE | 0 | 0 | 0 | 16706 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 1873000 | 16303 | SH |  | SOLE | 0 | 0 | 0 | 16303 |
| ISHARES TR | MSCI KLD400 SOC | 464288570 |  | 32683 | 425 | SH |  | SOLE | 0 | 0 | 0 | 425 |
| ISHARES TR | MSCI KLD400 SOC | 464288570 |  | 494088 | 6425 | SH |  | SOLE | 0 | 0 | 0 | 6425 |
| ISHARES TR | MBS ETF | 464288588 |  | 3979176 | 41502 | SH |  | SOLE | 0 | 0 | 0 | 41502 |
| ISHARES TR | MBS ETF | 464288588 |  | 3498261 | 36486 | SH |  | SOLE | 0 | 0 | 0 | 36486 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 1940235 | 26506 | SH |  | SOLE | 0 | 0 | 0 | 26506 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 2711172 | 37038 | SH |  | SOLE | 0 | 0 | 0 | 37038 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 268015 | 11488 | SH |  | SOLE | 0 | 0 | 0 | 11488 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 661499 | 28354 | SH |  | SOLE | 0 | 0 | 0 | 28354 |
| ISHARES TR | FALN ANGLS USD | 46435G474 |  | 390149 | 15270 | SH |  | SOLE | 0 | 0 | 0 | 15270 |
| ISHARES TR | FALN ANGLS USD | 46435G474 |  | 286799 | 11225 | SH |  | SOLE | 0 | 0 | 0 | 11225 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 8822516 | 97767 | SH |  | SOLE | 0 | 0 | 0 | 97767 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 13474234 | 149316 | SH |  | SOLE | 0 | 0 | 0 | 149316 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 67619 | 2905 | SH |  | SOLE | 0 | 0 | 0 | 2905 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 494351 | 21238 | SH |  | SOLE | 0 | 0 | 0 | 21238 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 1422460 | 9801 | SH |  | SOLE | 0 | 0 | 0 | 9801 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 1957829 | 13490 | SH |  | SOLE | 0 | 0 | 0 | 13490 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 580998 | 13830 | SH |  | SOLE | 0 | 0 | 0 | 13830 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 577385 | 13744 | SH |  | SOLE | 0 | 0 | 0 | 13744 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 11094749 | 238956 | SH |  | SOLE | 0 | 0 | 0 | 238956 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 9625959 | 207322 | SH |  | SOLE | 0 | 0 | 0 | 207322 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 1422999 | 16187 | SH |  | SOLE | 0 | 0 | 0 | 16187 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 1120413 | 12745 | SH |  | SOLE | 0 | 0 | 0 | 12745 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 5261089 | 105985 | SH |  | SOLE | 0 | 0 | 0 | 105985 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 7465493 | 150393 | SH |  | SOLE | 0 | 0 | 0 | 150393 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 15239 | 307 | SH |  | SOLE | 0 | 0 | 0 | 307 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 4801916 | 52406 | SH |  | SOLE | 0 | 0 | 0 | 52406 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 6821463 | 74446 | SH |  | SOLE | 0 | 0 | 0 | 74446 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 422105 | 3885 | SH |  | SOLE | 0 | 0 | 0 | 3885 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 813680 | 7489 | SH |  | SOLE | 0 | 0 | 0 | 7489 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1059024 | 10218 | SH |  | SOLE | 0 | 0 | 0 | 10218 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1448289 | 13974 | SH |  | SOLE | 0 | 0 | 0 | 13974 |
| ISHARES TR | CORE S ETF | 464287200 |  | 17882379 | 43796 | SH |  | SOLE | 0 | 0 | 0 | 43796 |
| ISHARES TR | CORE S ETF | 464287200 |  | 24327632 | 59581 | SH |  | SOLE | 0 | 0 | 0 | 59581 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 2059722 | 24909 | SH |  | SOLE | 0 | 0 | 0 | 24909 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 2882710 | 34862 | SH |  | SOLE | 0 | 0 | 0 | 34862 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 806139 | 5760 | SH |  | SOLE | 0 | 0 | 0 | 5760 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 4339 | 31 | SH |  | SOLE | 0 | 0 | 0 | 31 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 296575 | 2119 | SH |  | SOLE | 0 | 0 | 0 | 2119 |
| LABORATORY CORP AMER HLDGS | COM NEW | 50540R409 |  | 102613 | 407 | SH |  | SOLE | 0 | 0 | 0 | 407 |
| LABORATORY CORP AMER HLDGS | COM NEW | 50540R409 |  | 47651 | 189 | SH |  | SOLE | 0 | 0 | 0 | 189 |
| LABORATORY CORP AMER HLDGS | COM NEW | 50540R409 |  | 164634 | 653 | SH |  | SOLE | 0 | 0 | 0 | 653 |
| LIGHTNING EMOTORS INC | COM | 53228T101 |  | 44451 | 51176 | SH |  | SOLE | 0 | 0 | 0 | 51176 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 300255 | 648 | SH |  | SOLE | 0 | 0 | 0 | 648 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 2780 | 6 | SH |  | SOLE | 0 | 0 | 0 | 6 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 205687 | 444 | SH |  | SOLE | 0 | 0 | 0 | 444 |
| MCKESSON CORP | COM | 58155Q103 |  | 359384 | 949 | SH |  | SOLE | 0 | 0 | 0 | 949 |
| MCKESSON CORP | COM | 58155Q103 |  | 48092 | 127 | SH |  | SOLE | 0 | 0 | 0 | 127 |
| MCKESSON CORP | COM | 58155Q103 |  | 217362 | 574 | SH |  | SOLE | 0 | 0 | 0 | 574 |
| META PLATFORMS INC | CL A | 30303M102 |  | 388961 | 2611 | SH |  | SOLE | 0 | 0 | 0 | 2611 |
| META PLATFORMS INC | CL A | 30303M102 |  | 3128 | 21 | SH |  | SOLE | 0 | 0 | 0 | 21 |
| META PLATFORMS INC | CL A | 30303M102 |  | 323563 | 2172 | SH |  | SOLE | 0 | 0 | 0 | 2172 |
| MICROSOFT CORP | COM | 594918104 |  | 484221 | 1954 | SH |  | SOLE | 0 | 0 | 0 | 1954 |
| MICROSOFT CORP | COM | 594918104 |  | 3469 | 14 | SH |  | SOLE | 0 | 0 | 0 | 14 |
| MICROSOFT CORP | COM | 594918104 |  | 86238 | 348 | SH |  | SOLE | 0 | 0 | 0 | 348 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 460440 | 5081 | SH |  | SOLE | 0 | 0 | 0 | 5081 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 4440 | 49 | SH |  | SOLE | 0 | 0 | 0 | 49 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 68418 | 755 | SH |  | SOLE | 0 | 0 | 0 | 755 |
| OMNICOM GROUP INC | COM | 681919106 |  | 194131 | 2258 | SH |  | SOLE | 0 | 0 | 0 | 2258 |
| OMNICOM GROUP INC | COM | 681919106 |  | 1806 | 21 | SH |  | SOLE | 0 | 0 | 0 | 21 |
| OMNICOM GROUP INC | COM | 681919106 |  | 32762 | 381 | SH |  | SOLE | 0 | 0 | 0 | 381 |
| ORACLE CORP | COM | 68389X105 |  | 933450 | 10552 | SH |  | SOLE | 0 | 0 | 0 | 10552 |
| ORACLE CORP | COM | 68389X105 |  | 8934 | 101 | SH |  | SOLE | 0 | 0 | 0 | 101 |
| ORACLE CORP | COM | 68389X105 |  | 125525 | 1419 | SH |  | SOLE | 0 | 0 | 0 | 1419 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 640607 | 6146 | SH |  | SOLE | 0 | 0 | 0 | 6146 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 6150 | 59 | SH |  | SOLE | 0 | 0 | 0 | 59 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 81933 | 786 | SH |  | SOLE | 0 | 0 | 0 | 786 |
| QUALCOMM INC | COM | 747525103 |  | 215933 | 1621 | SH |  | SOLE | 0 | 0 | 0 | 1621 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 141813 | 1420 | SH |  | SOLE | 0 | 0 | 0 | 1420 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 1398 | 14 | SH |  | SOLE | 0 | 0 | 0 | 14 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 115427 | 1156 | SH |  | SOLE | 0 | 0 | 0 | 1156 |
| SANOFI | SPONSORED ADR | 80105N105 |  | 275872 | 5614 | SH |  | SOLE | 0 | 0 | 0 | 5614 |
| SANOFI | SPONSORED ADR | 80105N105 |  | 2604 | 53 | SH |  | SOLE | 0 | 0 | 0 | 53 |
| SANOFI | SPONSORED ADR | 80105N105 |  | 165258 | 3363 | SH |  | SOLE | 0 | 0 | 0 | 3363 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 509424 | 6580 | SH |  | SOLE | 0 | 0 | 0 | 6580 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 4568 | 59 | SH |  | SOLE | 0 | 0 | 0 | 59 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 79278 | 1024 | SH |  | SOLE | 0 | 0 | 0 | 1024 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 253293 | 1863 | SH |  | SOLE | 0 | 0 | 0 | 1863 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 32358 | 238 | SH |  | SOLE | 0 | 0 | 0 | 238 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 197506 | 1481 | SH |  | SOLE | 0 | 0 | 0 | 1481 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 33340 | 250 | SH |  | SOLE | 0 | 0 | 0 | 250 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 77685 | 433 | SH |  | SOLE | 0 | 0 | 0 | 433 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 131687 | 734 | SH |  | SOLE | 0 | 0 | 0 | 734 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 273191 | 672 | SH |  | SOLE | 0 | 0 | 0 | 672 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 113408 | 279 | SH |  | SOLE | 0 | 0 | 0 | 279 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 429508 | 8405 | SH |  | SOLE | 0 | 0 | 0 | 8405 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 4037 | 79 | SH |  | SOLE | 0 | 0 | 0 | 79 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 57130 | 1118 | SH |  | SOLE | 0 | 0 | 0 | 1118 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 243709 | 1192 | SH |  | SOLE | 0 | 0 | 0 | 1192 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 562372 | 2751 | SH |  | SOLE | 0 | 0 | 0 | 2751 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 73390 | 359 | SH |  | SOLE | 0 | 0 | 0 | 359 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 489073 | 2419 | SH |  | SOLE | 0 | 0 | 0 | 2419 |
| VISA INC | COM CL A | 92826C839 |  | 471931 | 2050 | SH |  | SOLE | 0 | 0 | 0 | 2050 |
| VISA INC | COM CL A | 92826C839 |  | 3914 | 17 | SH |  | SOLE | 0 | 0 | 0 | 17 |
| VISA INC | COM CL A | 92826C839 |  | 73897 | 321 | SH |  | SOLE | 0 | 0 | 0 | 321 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 376741 | 8038 | SH |  | SOLE | 0 | 0 | 0 | 8038 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 3703 | 79 | SH |  | SOLE | 0 | 0 | 0 | 79 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 357806 | 7634 | SH |  | SOLE | 0 | 0 | 0 | 7634 |
| WYNDHAM HOTELS  RESORTS INC | COM | 98311A105 |  | 9766 | 126 | SH |  | SOLE | 0 | 0 | 0 | 126 |
| WYNDHAM HOTELS  RESORTS INC | COM | 98311A105 |  | 250435 | 3231 | SH |  | SOLE | 0 | 0 | 0 | 3231 |
| ZEBRA TECHNOLOGIES CORPORATI | CL A | 989207105 |  | 217532 | 688 | SH |  | SOLE | 0 | 0 | 0 | 688 |

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