# EDGAR Filing Document

**Accession Number:** 0001766286
**File Stem:** 0001172661-26-000394
**Filing Date:** 2026-1
**Character Count:** 17507
**Document Hash:** d927d1bd257814f5916fe1eff7ad41d7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-26-000394.hdr.sgml**: 20260129

**ACCESSION NUMBER**: 0001172661-26-000394

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260129

**DATE AS OF CHANGE**: 20260129

**EFFECTIVENESS DATE**: 20260129

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HOWARD WEALTH MANAGEMENT, LLC
- **CENTRAL INDEX KEY:** 0001766286

**ORGANIZATION NAME:**
- **EIN:** 831718973
- **STATE OF INCORPORATION:** CT
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19748
- **FILM NUMBER:** 26579165

**BUSINESS ADDRESS:**
- **STREET 1:** 7 MADISON AVENUE
- **CITY:** MADISON
- **STATE:** CT
- **ZIP:** 06443
- **BUSINESS PHONE:** 203-421-8339

**MAIL ADDRESS:**
- **STREET 1:** 7 MADISON AVENUE
- **CITY:** MADISON
- **STATE:** CT
- **ZIP:** 06443

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** HOWARD WEALTH MANAGEMENT LLC<br>**Address:** 7 Madison Avenue<br>Madison, CT 06443

**Form 13F File Number:** 028-19748

**CRD Number (if applicable):** 000299052

**SEC File Number (if applicable):** 801-114237

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:** Justin S. Howard<br>**Title:** Managing Member/CCO<br>**Phone:** 203-421-8339

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

/s/ 	Justin S. Howard  Madison, CT  01-29-2026<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:** 134

**Form 13F Information Table Value Total:** $229003972

      (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 |  | 395502 | 1730 | SH |  | SOLE |  | 0 | 0 | 1730 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 1722703 | 8044 | SH |  | SOLE |  | 0 | 0 | 8044 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 2405132 | 7684 | SH |  | SOLE |  | 0 | 0 | 7684 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1864272 | 5940 | SH |  | SOLE |  | 0 | 0 | 5940 |
| ALPS ETF TR | ALERIAN MLP | 00162Q452 |  | 620352 | 13193 | SH |  | SOLE |  | 0 | 0 | 13193 |
| AMAZON COM INC | COM | 023135106 |  | 1947198 | 8436 | SH |  | SOLE |  | 0 | 0 | 8436 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 364233 | 2695 | SH |  | SOLE |  | 0 | 0 | 2695 |
| APPLE INC | COM | 037833100 |  | 8792258 | 32341 | SH |  | SOLE |  | 0 | 0 | 32341 |
| ATI INC | COM | 01741R102 |  | 238816 | 2081 | SH |  | SOLE |  | 0 | 0 | 2081 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 563462 | 653 | SH |  | SOLE |  | 0 | 0 | 653 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 284486 | 2427 | SH |  | SOLE |  | 0 | 0 | 2427 |
| ELI LILLY  CO | COM | 532457108 |  | 679734 | 632 | SH |  | SOLE |  | 0 | 0 | 632 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 534592 | 4442 | SH |  | SOLE |  | 0 | 0 | 4442 |
| FIDELITY COVINGTON TRUST | PFD SECS INCOME | 316092261 |  | 225085 | 10327 | SH |  | SOLE |  | 0 | 0 | 10327 |
| FIDELITY MERRIMACK STR TR | LOW DURTIN ETF | 316188408 |  | 2544843 | 50663 | SH |  | SOLE |  | 0 | 0 | 50663 |
| FRANKLIN TEMPLETON ETF TR | FRANKLIN DYN MUN | 35473P868 |  | 247508 | 9952 | SH |  | SOLE |  | 0 | 0 | 9952 |
| GE AEROSPACE | COM NEW | 369604301 |  | 210530 | 683 | SH |  | SOLE |  | 0 | 0 | 683 |
| GLOBAL X FDS | NASDAQ 100 COVER | 37954Y483 |  | 622534 | 35231 | SH |  | SOLE |  | 0 | 0 | 35231 |
| GLOBAL X FDS | S 500 COVERED | 37954Y475 |  | 585946 | 14421 | SH |  | SOLE |  | 0 | 0 | 14421 |
| GLOBAL X FDS | RATE PREFERRED | 37954Y376 |  | 226202 | 10180 | SH |  | SOLE |  | 0 | 0 | 10180 |
| GOLDMAN SACHS ETF TR | ULTRA SHORT BOND | 381430230 |  | 259034 | 5132 | SH |  | SOLE |  | 0 | 0 | 5132 |
| HOME DEPOT INC | COM | 437076102 |  | 372453 | 1082 | SH |  | SOLE |  | 0 | 0 | 1082 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 240646 | 812 | SH |  | SOLE |  | 0 | 0 | 812 |
| INVESCO ACTIVELY MANAGED EXC | ULTRA SHRT DUR | 46090A887 |  | 256938 | 5113 | SH |  | SOLE |  | 0 | 0 | 5113 |
| INVESCO ACTIVELY MANAGED EXC | VAR RATE INVT | 46090A879 |  | 365936 | 14579 | SH |  | SOLE |  | 0 | 0 | 14579 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 249328 | 11872 | SH |  | SOLE |  | 0 | 0 | 11872 |
| INVESCO EXCH TRADED FD TR II | VAR RATE PFD | 46138G870 |  | 2373430 | 97551 | SH |  | SOLE |  | 0 | 0 | 97551 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO 30 CORP | 46138J460 |  | 4057348 | 239796 | SH |  | SOLE |  | 0 | 0 | 239796 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2029 | 46138J577 |  | 5187856 | 275437 | SH |  | SOLE |  | 0 | 0 | 275437 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2031 CP | 46138J429 |  | 342414 | 20510 | SH |  | SOLE |  | 0 | 0 | 20510 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2029 HG | 46138J395 |  | 3701656 | 172090 | SH |  | SOLE |  | 0 | 0 | 172090 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2029 MUNI | 46138J478 |  | 517912 | 22372 | SH |  | SOLE |  | 0 | 0 | 22372 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 5495036 | 280717 | SH |  | SOLE |  | 0 | 0 | 280717 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO 28 HYCORP | 46138J452 |  | 3772604 | 171482 | SH |  | SOLE |  | 0 | 0 | 171482 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 |  | 5496366 | 278438 | SH |  | SOLE |  | 0 | 0 | 278438 |
| INVESCO EXCH TRD SLF IDX FD | BULLETSHS 2030 | 46139W841 |  | 3471704 | 132990 | SH |  | SOLE |  | 0 | 0 | 132990 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 MUNI | 46138J510 |  | 517116 | 21870 | SH |  | SOLE |  | 0 | 0 | 21870 |
| INVESCO EXCH TRD SLF IDX FD | INVSC 30 MUNI BD | 46138J445 |  | 587847 | 26690 | SH |  | SOLE |  | 0 | 0 | 26690 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 MUNI | 46138J494 |  | 517676 | 21875 | SH |  | SOLE |  | 0 | 0 | 21875 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 26 | 46138J635 |  | 4156807 | 178097 | SH |  | SOLE |  | 0 | 0 | 178097 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2028 MUNI | 46138J486 |  | 517705 | 22030 | SH |  | SOLE |  | 0 | 0 | 22030 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2027 | 46138J585 |  | 3913752 | 173063 | SH |  | SOLE |  | 0 | 0 | 173063 |
| INVESCO EXCH TRD SLF IDX FD | INVESCO BULLETSH | 46139W817 |  | 214935 | 8050 | SH |  | SOLE |  | 0 | 0 | 8050 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 28 | 46138J643 |  | 5365620 | 260467 | SH |  | SOLE |  | 0 | 0 | 260467 |
| INVESCO EXCHANGE TRADED FD T | LARGE CAP VALUE | 46137V738 |  | 868751 | 13060 | SH |  | SOLE |  | 0 | 0 | 13060 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1253455 | 2040 | SH |  | SOLE |  | 0 | 0 | 2040 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 233120 | 2872 | SH |  | SOLE |  | 0 | 0 | 2872 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 446915 | 3718 | SH |  | SOLE |  | 0 | 0 | 3718 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 277238 | 5481 | SH |  | SOLE |  | 0 | 0 | 5481 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 3845589 | 31199 | SH |  | SOLE |  | 0 | 0 | 31199 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 701022 | 10621 | SH |  | SOLE |  | 0 | 0 | 10621 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 611736 | 6370 | SH |  | SOLE |  | 0 | 0 | 6370 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 999831 | 32294 | SH |  | SOLE |  | 0 | 0 | 32294 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 222548 | 1576 | SH |  | SOLE |  | 0 | 0 | 1576 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 435881 | 10167 | SH |  | SOLE |  | 0 | 0 | 10167 |
| ISHARES TR | CORE S ETF | 464287200 |  | 4186247 | 6111 | SH |  | SOLE |  | 0 | 0 | 6111 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 805005 | 3270 | SH |  | SOLE |  | 0 | 0 | 3270 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 623307 | 1316 | SH |  | SOLE |  | 0 | 0 | 1316 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 252523 | 3131 | SH |  | SOLE |  | 0 | 0 | 3131 |
| ISHARES TR | GLOBAL 100 ETF | 464287572 |  | 1589801 | 12550 | SH |  | SOLE |  | 0 | 0 | 12550 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 362219 | 969 | SH |  | SOLE |  | 0 | 0 | 969 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 201996 | 960 | SH |  | SOLE |  | 0 | 0 | 960 |
| ISHARES TR | US HOME CONS ETF | 464288752 |  | 288571 | 2996 | SH |  | SOLE |  | 0 | 0 | 2996 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 1415812 | 6594 | SH |  | SOLE |  | 0 | 0 | 6594 |
| ISHARES TR | CORE 60/40 BALAN | 464289867 |  | 275311 | 4234 | SH |  | SOLE |  | 0 | 0 | 4234 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 |  | 213670 | 3676 | SH |  | SOLE |  | 0 | 0 | 3676 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 4508301 | 89114 | SH |  | SOLE |  | 0 | 0 | 89114 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 1540806 | 26918 | SH |  | SOLE |  | 0 | 0 | 26918 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 265178 | 5251 | SH |  | SOLE |  | 0 | 0 | 5251 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 2408223 | 47612 | SH |  | SOLE |  | 0 | 0 | 47612 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 708269 | 3422 | SH |  | SOLE |  | 0 | 0 | 3422 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1065333 | 3306 | SH |  | SOLE |  | 0 | 0 | 3306 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 278684 | 576 | SH |  | SOLE |  | 0 | 0 | 576 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1069258 | 1873 | SH |  | SOLE |  | 0 | 0 | 1873 |
| MCDONALDS CORP | COM | 580135101 |  | 341566 | 1117 | SH |  | SOLE |  | 0 | 0 | 1117 |
| MERCK  CO INC | COM | 58933Y105 |  | 410855 | 3903 | SH |  | SOLE |  | 0 | 0 | 3903 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1207177 | 1828 | SH |  | SOLE |  | 0 | 0 | 1828 |
| MICROSOFT CORP | COM | 594918104 |  | 1622881 | 3355 | SH |  | SOLE |  | 0 | 0 | 3355 |
| MORGAN STANLEY ETF TRUST | EATON VANCE SHRT | 61774R858 |  | 252706 | 5016 | SH |  | SOLE |  | 0 | 0 | 5016 |
| NETFLIX INC | COM | 64110L106 |  | 732172 | 7809 | SH |  | SOLE |  | 0 | 0 | 7809 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 696261 | 3733 | SH |  | SOLE |  | 0 | 0 | 3733 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 5734748 | 32263 | SH |  | SOLE |  | 0 | 0 | 32263 |
| PGIM ETF TR | PGIM ULTRA SH BD | 69344A107 |  | 292103 | 5890 | SH |  | SOLE |  | 0 | 0 | 5890 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 269393 | 2684 | SH |  | SOLE |  | 0 | 0 | 2684 |
| PIMCO ETF TR | 0-5 HIGH YIELD | 72201R783 |  | 890705 | 9393 | SH |  | SOLE |  | 0 | 0 | 9393 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 545364 | 10405 | SH |  | SOLE |  | 0 | 0 | 10405 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 251775 | 1756 | SH |  | SOLE |  | 0 | 0 | 1756 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 503802 | 6274 | SH |  | SOLE |  | 0 | 0 | 6274 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 211961 | 3870 | SH |  | SOLE |  | 0 | 0 | 3870 |
| SEMPRA | COM | 816851109 |  | 211896 | 2400 | SH |  | SOLE |  | 0 | 0 | 2400 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 690562 | 1436 | SH |  | SOLE |  | 0 | 0 | 1436 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 1598953 | 36004 | SH |  | SOLE |  | 0 | 0 | 36004 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 4440130 | 6511 | SH |  | SOLE |  | 0 | 0 | 6511 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A359 |  | 2100248 | 23545 | SH |  | SOLE |  | 0 | 0 | 23545 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 |  | 1230227 | 8840 | SH |  | SOLE |  | 0 | 0 | 8840 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R606 |  | 303666 | 12829 | SH |  | SOLE |  | 0 | 0 | 12829 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R408 |  | 1165601 | 46034 | SH |  | SOLE |  | 0 | 0 | 46034 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 1213279 | 21356 | SH |  | SOLE |  | 0 | 0 | 21356 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A805 |  | 437781 | 5306 | SH |  | SOLE |  | 0 | 0 | 5306 |
| TESLA INC | COM | 88160R101 |  | 1138241 | 2531 | SH |  | SOLE |  | 0 | 0 | 2531 |
| TJX COS INC NEW | COM | 872540109 |  | 205223 | 1336 | SH |  | SOLE |  | 0 | 0 | 1336 |
| VANECK ETF TRUST | BDC INCOME ETF | 92189F411 |  | 1588601 | 112031 | SH |  | SOLE |  | 0 | 0 | 112031 |
| VANECK ETF TRUST | PREFERRED SECURT | 92189F429 |  | 1524369 | 86317 | SH |  | SOLE |  | 0 | 0 | 86317 |
| VANECK ETF TRUST | IG FLOATING RATE | 92189F486 |  | 2480249 | 97341 | SH |  | SOLE |  | 0 | 0 | 97341 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 3117021 | 42082 | SH |  | SOLE |  | 0 | 0 | 42082 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 323825 | 6497 | SH |  | SOLE |  | 0 | 0 | 6497 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 4587588 | 7315 | SH |  | SOLE |  | 0 | 0 | 7315 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 543019 | 1871 | SH |  | SOLE |  | 0 | 0 | 1871 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 2869439 | 15024 | SH |  | SOLE |  | 0 | 0 | 15024 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 1247601 | 5965 | SH |  | SOLE |  | 0 | 0 | 5965 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 8219019 | 31862 | SH |  | SOLE |  | 0 | 0 | 31862 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 2327038 | 6940 | SH |  | SOLE |  | 0 | 0 | 6940 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 1265130 | 14296 | SH |  | SOLE |  | 0 | 0 | 14296 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 17528990 | 35930 | SH |  | SOLE |  | 0 | 0 | 35930 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 2432779 | 7728 | SH |  | SOLE |  | 0 | 0 | 7728 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 3406962 | 46315 | SH |  | SOLE |  | 0 | 0 | 46315 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 5047399 | 35781 | SH |  | SOLE |  | 0 | 0 | 35781 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 262813 | 4385 | SH |  | SOLE |  | 0 | 0 | 4385 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 390262 | 4659 | SH |  | SOLE |  | 0 | 0 | 4659 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 5954197 | 27091 | SH |  | SOLE |  | 0 | 0 | 27091 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 2385727 | 31624 | SH |  | SOLE |  | 0 | 0 | 31624 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 16056428 | 111875 | SH |  | SOLE |  | 0 | 0 | 111875 |
| VANGUARD WORLD FD | FINANCIALS ETF | 92204A405 |  | 889119 | 6660 | SH |  | SOLE |  | 0 | 0 | 6660 |
| VANGUARD WORLD FD | ENERGY ETF | 92204A306 |  | 226893 | 1801 | SH |  | SOLE |  | 0 | 0 | 1801 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 791307 | 1049 | SH |  | SOLE |  | 0 | 0 | 1049 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 1590507 | 5525 | SH |  | SOLE |  | 0 | 0 | 5525 |
| VISA INC | COM CL A | 92826C839 |  | 1180503 | 3366 | SH |  | SOLE |  | 0 | 0 | 3366 |
| WALMART INC | COM | 931142103 |  | 264487 | 2374 | SH |  | SOLE |  | 0 | 0 | 2374 |
| WD 40 CO | COM | 929236107 |  | 241203 | 1225 | SH |  | SOLE |  | 0 | 0 | 1225 |
| WISDOMTREE TR | US MIDCAP FUND | 97717W570 |  | 297594 | 4455 | SH |  | SOLE |  | 0 | 0 | 4455 |
| WISDOMTREE TR | EUROPE HEDGED EQ | 97717X701 |  | 233199 | 4395 | SH |  | SOLE |  | 0 | 0 | 4395 |
| WISDOMTREE TR | GLOBAL EX US QUA | 97717W844 |  | 571886 | 13874 | SH |  | SOLE |  | 0 | 0 | 13874 |
| WISDOMTREE TR | US SMALLCAP FUND | 97717W562 |  | 1091348 | 19170 | SH |  | SOLE |  | 0 | 0 | 19170 |
| WISDOMTREE TR | INTL EQUITY FD | 97717W703 |  | 386087 | 5615 | SH |  | SOLE |  | 0 | 0 | 5615 |

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