# EDGAR Filing Document

**Accession Number:** 0001908217
**File Stem:** 0001172661-25-004355
**Filing Date:** 2025-10
**Character Count:** 17339
**Document Hash:** 6a549e59135f66e8a14f4bb597317464
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-25-004355.hdr.sgml**: 20251022

**ACCESSION NUMBER**: 0001172661-25-004355

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251022

**DATE AS OF CHANGE**: 20251022

**EFFECTIVENESS DATE**: 20251022

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sandy Cove Advisors, LLC
- **CENTRAL INDEX KEY:** 0001908217

**ORGANIZATION NAME:**
- **EIN:** 271293149
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21605
- **FILM NUMBER:** 251408843

**BUSINESS ADDRESS:**
- **STREET 1:** 37 DERBY STREET
- **STREET 2:** SUITE 5
- **CITY:** HINGHAM
- **STATE:** MA
- **ZIP:** 02043
- **BUSINESS PHONE:** 617-622-1500

**MAIL ADDRESS:**
- **STREET 1:** 37 DERBY STREET
- **STREET 2:** SUITE 5
- **CITY:** HINGHAM
- **STATE:** MA
- **ZIP:** 02043

### 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:** Sandy Cove Advisors LLC<br>**Address:** 37 Derby Street<br>Suite 5<br>Hingham, MA 02043

**Form 13F File Number:** 028-21605

**CRD Number (if applicable):** 000152482

**SEC File Number (if applicable):** 801-107724

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:** Katherine Saltonstall<br>**Title:** Chief Compliance Officer<br>**Phone:** 617-622-1500

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

/s/ Katherine Saltonstall  Hingham, MA  10-22-2025<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:** 139

**Form 13F Information Table Value Total:** $312838160

      (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 |  | 206917 | 1545 | SH |  | SOLE |  | 0 | 0 | 1545 |
| ABBVIE INC | COM | 00287Y109 |  | 364479 | 1574 | SH |  | SOLE |  | 0 | 0 | 1574 |
| ADOBE INC | COM | 00724F101 |  | 231051 | 655 | SH |  | SOLE |  | 0 | 0 | 655 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 919048 | 5681 | SH |  | SOLE |  | 0 | 0 | 5681 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1907540 | 7832 | SH |  | SOLE |  | 675 | 0 | 7157 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 3582386 | 14736 | SH |  | SOLE |  | 0 | 0 | 14736 |
| AMAZON COM INC | COM | 023135106 |  | 3693655 | 16822 | SH |  | SOLE |  | 544 | 0 | 16278 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 485482 | 1462 | SH |  | SOLE |  | 0 | 0 | 1462 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 1429605 | 2910 | SH |  | SOLE |  | 0 | 0 | 2910 |
| AMGEN INC | COM | 031162100 |  | 419616 | 1487 | SH |  | SOLE |  | 0 | 0 | 1487 |
| AON PLC | SHS CL A | G0403H108 |  | 375585 | 1053 | SH |  | SOLE |  | 0 | 0 | 1053 |
| APPLE INC | COM | 037833100 |  | 15545652 | 61052 | SH |  | SOLE |  | 0 | 0 | 61052 |
| APPLIED MATLS INC | COM | 038222105 |  | 556688 | 2719 | SH |  | SOLE |  | 0 | 0 | 2719 |
| AUTODESK INC | COM | 052769106 |  | 282091 | 888 | SH |  | SOLE |  | 0 | 0 | 888 |
| BANK AMERICA CORP | COM | 060505104 |  | 332667 | 6448 | SH |  | SOLE |  | 0 | 0 | 6448 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 734268 | 3923 | SH |  | SOLE |  | 0 | 0 | 3923 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 13126552 | 26110 | SH |  | SOLE |  | 3301 | 0 | 22809 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 250228 | 4700 | SH |  | SOLE |  | 0 | 0 | 4700 |
| BLACKSTONE INC | COM | 09260D107 |  | 2080588 | 12178 | SH |  | SOLE |  | 0 | 0 | 12178 |
| BOEING CO | COM | 097023105 |  | 225758 | 1046 | SH |  | SOLE |  | 0 | 0 | 1046 |
| BROADCOM INC | COM | 11135F101 |  | 986959 | 2992 | SH |  | SOLE |  | 0 | 0 | 2992 |
| CATERPILLAR INC | COM | 149123101 |  | 603118 | 1264 | SH |  | SOLE |  | 0 | 0 | 1264 |
| CHEVRON CORP NEW | COM | 166764100 |  | 375333 | 2417 | SH |  | SOLE |  | 0 | 0 | 2417 |
| CHUBB LIMITED | COM | H1467J104 |  | 590538 | 2092 | SH |  | SOLE |  | 0 | 0 | 2092 |
| COCA COLA CO | COM | 191216100 |  | 1339657 | 20200 | SH |  | SOLE |  | 0 | 0 | 20200 |
| COGNIZANT TECHNOLOGY SOLUTIO | CL A | 192446102 |  | 286143 | 4266 | SH |  | SOLE |  | 0 | 0 | 4266 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 1133454 | 14179 | SH |  | SOLE |  | 0 | 0 | 14179 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 714601 | 772 | SH |  | SOLE |  | 0 | 0 | 772 |
| DANAHER CORPORATION | COM | 235851102 |  | 1108807 | 5593 | SH |  | SOLE |  | 0 | 0 | 5593 |
| DIAGEO PLC | SPON ADR NEW | 25243Q205 |  | 572580 | 6000 | SH |  | SOLE |  | 0 | 0 | 6000 |
| EATON CORP PLC | SHS | G29183103 |  | 289295 | 773 | SH |  | SOLE |  | 0 | 0 | 773 |
| EATON VANCE LIMITED DURATION | COM | 27828H105 |  | 158340 | 15600 | SH |  | SOLE |  | 0 | 0 | 15600 |
| EATON VANCE SR FLTNG RTE TR | COM | 27828Q105 |  | 300635 | 26279 | SH |  | SOLE |  | 0 | 0 | 26279 |
| ELI LILLY  CO | COM | 532457108 |  | 1569560 | 2057 | SH |  | SOLE |  | 0 | 0 | 2057 |
| EMERSON ELEC CO | COM | 291011104 |  | 373967 | 2851 | SH |  | SOLE |  | 0 | 0 | 2851 |
| EOG RES INC | COM | 26875P101 |  | 220092 | 1963 | SH |  | SOLE |  | 0 | 0 | 1963 |
| EXACT SCIENCES CORP | COM | 30063P105 |  | 965194 | 17642 | SH |  | SOLE |  | 0 | 0 | 17642 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1288438 | 11427 | SH |  | SOLE |  | 0 | 0 | 11427 |
| FASTENAL CO | COM | 311900104 |  | 1218307 | 24843 | SH |  | SOLE |  | 0 | 0 | 24843 |
| FIDELITY WISE ORIGIN BITCOIN | SHS | 315948109 |  | 501119 | 5021 | SH |  | SOLE |  | 1044 | 0 | 3977 |
| FISERV INC | COM | 337738108 |  | 612418 | 4750 | SH |  | SOLE |  | 0 | 0 | 4750 |
| GE AEROSPACE | COM NEW | 369604301 |  | 417819 | 1389 | SH |  | SOLE |  | 0 | 0 | 1389 |
| GE VERNOVA INC | COM | 36828A101 |  | 227988 | 371 | SH |  | SOLE |  | 0 | 0 | 371 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 723378 | 908 | SH |  | SOLE |  | 52 | 0 | 856 |
| HOME DEPOT INC | COM | 437076102 |  | 1303548 | 3217 | SH |  | SOLE |  | 0 | 0 | 3217 |
| HONEYWELL INTL INC | COM | 438516106 |  | 1335964 | 6347 | SH |  | SOLE |  | 0 | 0 | 6347 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 1045648 | 4010 | SH |  | SOLE |  | 0 | 0 | 4010 |
| INTEL CORP | COM | 458140100 |  | 426902 | 12724 | SH |  | SOLE |  | 0 | 0 | 12724 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 892845 | 3164 | SH |  | SOLE |  | 0 | 0 | 3164 |
| INTUIT | COM | 461202103 |  | 240409 | 352 | SH |  | SOLE |  | 0 | 0 | 352 |
| INVESCO EXCHANGE TRADED FD T | AI AND NEXT GEN | 46137V639 |  | 308653 | 5713 | SH |  | SOLE |  | 3478 | 0 | 2235 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 |  | 213165 | 4715 | SH |  | SOLE |  | 0 | 0 | 4715 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 213397 | 1125 | SH |  | SOLE |  | 0 | 0 | 1125 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 10577458 | 17618 | SH |  | SOLE |  | 2100 | 0 | 15518 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 491707 | 6757 | SH |  | SOLE |  | 0 | 0 | 6757 |
| ISHARES INC | MSCI GBL GOLD MN | 46434G855 |  | 1067715 | 16500 | SH |  | SOLE |  | 0 | 0 | 16500 |
| ISHARES TR | CORE S ETF | 464287200 |  | 31767869 | 47465 | SH |  | SOLE |  | 2970 | 0 | 44495 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 328988 | 3431 | SH |  | SOLE |  | 0 | 0 | 3431 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 5923308 | 90765 | SH |  | SOLE |  | 3596 | 0 | 87169 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 15152883 | 151151 | SH |  | SOLE |  | 25009 | 0 | 126142 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 1234351 | 14947 | SH |  | SOLE |  | 0 | 0 | 14947 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 886898 | 1893 | SH |  | SOLE |  | 0 | 0 | 1893 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1190645 | 12752 | SH |  | SOLE |  | 647 | 0 | 12105 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 1447839 | 28529 | SH |  | SOLE |  | 4846 | 0 | 23683 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 388309 | 1419 | SH |  | SOLE |  | 0 | 0 | 1419 |
| ISHARES TR | DOW JONES US ETF | 464287846 |  | 312373 | 1923 | SH |  | SOLE |  | 1923 | 0 | 0 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 1011536 | 9155 | SH |  | SOLE |  | 3743 | 0 | 5412 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 5695017 | 65227 | SH |  | SOLE |  | 5793 | 0 | 59434 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 6911822 | 130338 | SH |  | SOLE |  | 18443 | 0 | 111895 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 321458 | 3019 | SH |  | SOLE |  | 0 | 0 | 3019 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1331433 | 11205 | SH |  | SOLE |  | 0 | 0 | 11205 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 538622 | 5579 | SH |  | SOLE |  | 0 | 0 | 5579 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 1694847 | 33206 | SH |  | SOLE |  | 0 | 0 | 33206 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 7645576 | 150711 | SH |  | SOLE |  | 23593 | 0 | 127118 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1235941 | 6666 | SH |  | SOLE |  | 0 | 0 | 6666 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 3228271 | 10235 | SH |  | SOLE |  | 0 | 0 | 10235 |
| KKR  CO INC | COM | 48251W104 |  | 248464 | 1912 | SH |  | SOLE |  | 0 | 0 | 1912 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 205675 | 412 | SH |  | SOLE |  | 0 | 0 | 412 |
| LOWES COS INC | COM | 548661107 |  | 202410 | 805 | SH |  | SOLE |  | 0 | 0 | 805 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 526257 | 925 | SH |  | SOLE |  | 0 | 0 | 925 |
| META PLATFORMS INC | CL A | 30303M102 |  | 3641482 | 4959 | SH |  | SOLE |  | 385 | 0 | 4574 |
| MICROSOFT CORP | COM | 594918104 |  | 8021785 | 15488 | SH |  | SOLE |  | 212 | 0 | 15276 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 263960 | 4225 | SH |  | SOLE |  | 0 | 0 | 4225 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 5736627 | 36088 | SH |  | SOLE |  | 0 | 0 | 36088 |
| NETFLIX INC | COM | 64110L106 |  | 1609553 | 1343 | SH |  | SOLE |  | 439 | 0 | 904 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 4220398 | 22620 | SH |  | SOLE |  | 801 | 0 | 21819 |
| ORACLE CORP | COM | 68389X105 |  | 875643 | 3114 | SH |  | SOLE |  | 0 | 0 | 3114 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 344046 | 1886 | SH |  | SOLE |  | 0 | 0 | 1886 |
| PEPSICO INC | COM | 713448108 |  | 664288 | 4730 | SH |  | SOLE |  | 0 | 0 | 4730 |
| PHILLIPS 66 | COM | 718546104 |  | 250821 | 1844 | SH |  | SOLE |  | 0 | 0 | 1844 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 729291 | 4746 | SH |  | SOLE |  | 0 | 0 | 4746 |
| PROGRESSIVE CORP | COM | 743315103 |  | 284762 | 1153 | SH |  | SOLE |  | 0 | 0 | 1153 |
| PROLOGIS INC. | COM | 74340W103 |  | 399828 | 3491 | SH |  | SOLE |  | 0 | 0 | 3491 |
| PROSHARES TR | S 500 DV ARIST | 74348A467 |  | 209069 | 2028 | SH |  | SOLE |  | 0 | 0 | 2028 |
| REVOLUTION MEDICINES INC | COM | 76155X100 |  | 1261274 | 27008 | SH |  | SOLE |  | 0 | 0 | 27008 |
| RPM INTL INC | COM | 749685103 |  | 216876 | 1840 | SH |  | SOLE |  | 0 | 0 | 1840 |
| RTX CORPORATION | COM | 75513E101 |  | 599674 | 3584 | SH |  | SOLE |  | 0 | 0 | 3584 |
| SALESFORCE INC | COM | 79466L302 |  | 326471 | 1378 | SH |  | SOLE |  | 0 | 0 | 1378 |
| SERVICENOW INC | COM | 81762P102 |  | 369953 | 402 | SH |  | SOLE |  | 0 | 0 | 402 |
| SNOWFLAKE INC | COM SHS | 833445109 |  | 451100 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 517664 | 1116 | SH |  | SOLE |  | 0 | 0 | 1116 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 651577 | 1833 | SH |  | SOLE |  | 0 | 0 | 1833 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 3760407 | 5645 | SH |  | SOLE |  | 2473 | 0 | 3172 |
| SPDR SERIES TRUST | S 600 SMCP GRW | 78464A201 |  | 452105 | 4794 | SH |  | SOLE |  | 1261 | 0 | 3533 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 394373 | 8514 | SH |  | SOLE |  | 1915 | 0 | 6599 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 200055 | 1914 | SH |  | SOLE |  | 0 | 0 | 1914 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 |  | 725766 | 5182 | SH |  | SOLE |  | 1001 | 0 | 4181 |
| SPOTIFY TECHNOLOGY S A | SHS | L8681T102 |  | 475338 | 681 | SH |  | SOLE |  | 254 | 0 | 427 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD AN | 85208R101 |  | 774159 | 21100 | SH |  | SOLE |  | 0 | 0 | 21100 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL SILVER | 85207K107 |  | 266900 | 17000 | SH |  | SOLE |  | 0 | 0 | 17000 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD TR | 85207H104 |  | 1249994 | 42201 | SH |  | SOLE |  | 0 | 0 | 42201 |
| T ROWE PRICE ETF INC | PRICE DIV GRWT | 87283Q404 |  | 228918 | 5207 | SH |  | SOLE |  | 0 | 0 | 5207 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 267914 | 959 | SH |  | SOLE |  | 0 | 0 | 959 |
| TESLA INC | COM | 88160R101 |  | 789187 | 1775 | SH |  | SOLE |  | 0 | 0 | 1775 |
| TEXAS INSTRS INC | COM | 882508104 |  | 250608 | 1364 | SH |  | SOLE |  | 0 | 0 | 1364 |
| TJX COS INC NEW | COM | 872540109 |  | 400695 | 2772 | SH |  | SOLE |  | 0 | 0 | 2772 |
| UBER TECHNOLOGIES INC | COM | 90353T100 |  | 218391 | 2229 | SH |  | SOLE |  | 0 | 0 | 2229 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 695109 | 11726 | SH |  | SOLE |  | 0 | 0 | 11726 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 846471 | 10727 | SH |  | SOLE |  | 1217 | 0 | 9510 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 1728658 | 3604 | SH |  | SOLE |  | 64 | 0 | 3540 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 31037138 | 50683 | SH |  | SOLE |  | 6073 | 0 | 44610 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 14256465 | 43442 | SH |  | SOLE |  | 562 | 0 | 42880 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1715871 | 9201 | SH |  | SOLE |  | 222 | 0 | 8979 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 14480594 | 49297 | SH |  | SOLE |  | 3904 | 0 | 45393 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 9574894 | 37655 | SH |  | SOLE |  | 4168 | 0 | 33487 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 506410 | 7096 | SH |  | SOLE |  | 0 | 0 | 7096 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 1180721 | 14796 | SH |  | SOLE |  | 214 | 0 | 14582 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 555364 | 6948 | SH |  | SOLE |  | 1021 | 0 | 5927 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 10237219 | 47440 | SH |  | SOLE |  | 5422 | 0 | 42018 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 9310817 | 155388 | SH |  | SOLE |  | 21418 | 0 | 133970 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 449099 | 3186 | SH |  | SOLE |  | 1532 | 0 | 1654 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 374626 | 3163 | SH |  | SOLE |  | 0 | 0 | 3163 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 671279 | 899 | SH |  | SOLE |  | 0 | 0 | 899 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 205277 | 4671 | SH |  | SOLE |  | 0 | 0 | 4671 |
| VISA INC | COM CL A | 92826C839 |  | 751428 | 2201 | SH |  | SOLE |  | 0 | 0 | 2201 |
| WALMART INC | COM | 931142103 |  | 268574 | 2606 | SH |  | SOLE |  | 0 | 0 | 2606 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 287411 | 3429 | SH |  | SOLE |  | 0 | 0 | 3429 |
| WISDOMTREE TR | US TOTAL DIVIDND | 97717W109 |  | 425698 | 5068 | SH |  | SOLE |  | 5068 | 0 | 0 |
| YUM BRANDS INC | COM | 988498101 |  | 302286 | 1989 | SH |  | SOLE |  | 0 | 0 | 1989 |

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