# EDGAR Filing Document

**Accession Number:** 0001931232
**File Stem:** 0001085146-25-005825
**Filing Date:** 2025-10
**Character Count:** 24321
**Document Hash:** f3b997ef528163b20b29f29f1c0b091d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-25-005825.hdr.sgml**: 20251008

**ACCESSION NUMBER**: 0001085146-25-005825

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251008

**DATE AS OF CHANGE**: 20251007

**EFFECTIVENESS DATE**: 20251008

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Carr Financial Group Corp
- **CENTRAL INDEX KEY:** 0001931232

**ORGANIZATION NAME:**
- **EIN:** 843668516
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22942
- **FILM NUMBER:** 251381109

**BUSINESS ADDRESS:**
- **STREET 1:** 20 PARK AVE
- **CITY:** WORCESTER
- **STATE:** MA
- **ZIP:** 01605
- **BUSINESS PHONE:** 508-795-0264

**MAIL ADDRESS:**
- **STREET 1:** 20 PARK AVE
- **CITY:** WORCESTER
- **STATE:** MA
- **ZIP:** 01605

### 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:** Carr Financial Group Corp<br>**Address:** 20 PARK AVE<br>WORCESTER, MA 01605

**Form 13F File Number:** 028-22942

**CRD Number (if applicable):** 000317321

**SEC File Number (if applicable):** 801-123187

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:** Benjamin Cauley<br>**Title:** Chief Compliance Officer<br>**Phone:** 508-795-0264

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

/s/Benjamin Cauley  Worcester, MA  10-07-2025<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:** 188

**Form 13F Information Table Value Total:** $364204270

      (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 | BBG001S5T7X2 | 357503 | 2304 | SH |  | SOLE |  | 2303 | 0 | 0 |
| ABBOTT LABS | COM | 002824100 | BBG001S5N9M6 | 519713 | 3880 | SH |  | SOLE |  | 3880 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 1193479 | 5155 | SH |  | SOLE |  | 5154 | 0 | 0 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 | BBG001S5NN36 | 747955 | 4623 | SH |  | SOLE |  | 4623 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 1714529 | 7053 | SH |  | SOLE |  | 7052 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 2724429 | 11186 | SH |  | SOLE |  | 11186 | 0 | 0 |
| ALTRIA GROUP INC | COM | 02209S103 | BBG001S5T8T5 | 275107 | 4165 | SH |  | SOLE |  | 4164 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 4353195 | 19826 | SH |  | SOLE |  | 19826 | 0 | 0 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 | BBG00Q9MQZW3 | 6684127 | 67157 | SH |  | SOLE |  | 67156 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 | BBG001S5P034 | 1622124 | 4884 | SH |  | SOLE |  | 4883 | 0 | 0 |
| AMERIPRISE FINL INC | COM | 03076C106 | BBG001SK6096 | 424467 | 864 | SH |  | SOLE |  | 864 | 0 | 0 |
| AMGEN INC | COM | 031162100 | BBG001S5NNL6 | 855355 | 3031 | SH |  | SOLE |  | 3031 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 5105434 | 20050 | SH |  | SOLE |  | 20050 | 0 | 0 |
| APPLIED MATLS INC | COM | 038222105 | BBG001S5NMM7 | 1823570 | 8907 | SH |  | SOLE |  | 8906 | 0 | 0 |
| ARISTA NETWORKS INC | COM SHS | 040413205 | BBG001T51KQ0 | 942015 | 6465 | SH |  | SOLE |  | 6465 | 0 | 0 |
| ARROW ELECTRS INC | COM | 042735100 | BBG001S5NVP4 | 242000 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 | BBG001SCG0R3 | 658301 | 680 | SH |  | SOLE |  | 680 | 0 | 0 |
| ASTRAZENECA PLC | SPONSORED ADR | 046353108 | BBG001SB80N8 | 234993 | 3063 | SH |  | SOLE |  | 3063 | 0 | 0 |
| AT INC | COM | 00206R102 | BBG001S5VWH2 | 271087 | 9599 | SH |  | SOLE |  | 9599 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 | BBG001S5P0Y0 | 527318 | 10221 | SH |  | SOLE |  | 10221 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 | BBG001S902J2 | 1508400 | 2 | SH |  | SOLE |  | 2 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 1015032 | 2019 | SH |  | SOLE |  | 2019 | 0 | 0 |
| BLACKROCK ETF TRUST II | ISHARES HIGH YIE | 092528843 | BBG01S6WC186 | 752764 | 15303 | SH |  | SOLE |  | 15303 | 0 | 0 |
| BLACKROCK INC | COM | 09290D101 | BBG01PSW2WR0 | 426539 | 366 | SH |  | SOLE |  | 365 | 0 | 0 |
| BLACKSTONE INC | COM | 09260D107 | BBG001S7H949 | 256325 | 1500 | SH |  | SOLE |  | 1500 | 0 | 0 |
| BOOKING HOLDINGS INC | COM | 09857L108 | BBG001S89N72 | 546106 | 101 | SH |  | SOLE |  | 101 | 0 | 0 |
| BOSTON SCIENTIFIC CORP | COM | 101137107 | BBG001S63L94 | 1157892 | 11860 | SH |  | SOLE |  | 11860 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 2098903 | 6362 | SH |  | SOLE |  | 6362 | 0 | 0 |
| CADENCE DESIGN SYSTEM INC | COM | 127387108 | BBG001S65YK1 | 399734 | 1138 | SH |  | SOLE |  | 1138 | 0 | 0 |
| CAPITAL ONE FINL CORP | COM | 14040H105 | BBG001S65PV8 | 298053 | 1402 | SH |  | SOLE |  | 1402 | 0 | 0 |
| CHIPOTLE MEXICAN GRILL INC | COM | 169656105 | BBG001SP50B3 | 220287 | 5621 | SH |  | SOLE |  | 5621 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 484020 | 7074 | SH |  | SOLE |  | 7074 | 0 | 0 |
| CITIGROUP INC | COM NEW | 172967424 | BBG001S72ZG4 | 232333 | 2289 | SH |  | SOLE |  | 2288 | 0 | 0 |
| CME GROUP INC | COM | 12572Q105 | BBG001S86547 | 373540 | 1383 | SH |  | SOLE |  | 1382 | 0 | 0 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 267513 | 4034 | SH |  | SOLE |  | 4033 | 0 | 0 |
| COHERUS ONCOLOGY INC | COM | 19249H103 | BBG0063N8V87 | 57720 | 35195 | SH |  | SOLE |  | 35195 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 1066066 | 1152 | SH |  | SOLE |  | 1151 | 0 | 0 |
| CUMMINS INC | COM | 231021106 | BBG001S5Q9M3 | 468938 | 1110 | SH |  | SOLE |  | 1110 | 0 | 0 |
| DANAHER CORPORATION | COM | 235851102 | BBG001S5QGT0 | 217605 | 1098 | SH |  | SOLE |  | 1097 | 0 | 0 |
| DEERE  CO | COM | 244199105 | BBG001S5QFF7 | 313604 | 686 | SH |  | SOLE |  | 685 | 0 | 0 |
| DELL TECHNOLOGIES INC | CL C | 24703L202 | BBG00DW3SZT0 | 238228 | 1680 | SH |  | SOLE |  | 1680 | 0 | 0 |
| DIREXION SHS ETF TR | NAS100 EQL WGT | 25459Y207 | BBG001V0SZW9 | 1273852 | 12537 | SH |  | SOLE |  | 12536 | 0 | 0 |
| EATON CORP PLC | SHS | G29183103 | BBG001S5QZ45 | 666914 | 1782 | SH |  | SOLE |  | 1782 | 0 | 0 |
| ECOLAB INC | COM | 278865100 | BBG001S5QRB5 | 245652 | 897 | SH |  | SOLE |  | 897 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 3051583 | 3999 | SH |  | SOLE |  | 3999 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 236662 | 2099 | SH |  | SOLE |  | 2099 | 0 | 0 |
| FIDELITY COVINGTON TRUST | MSCI HLTH CARE I | 316092600 | BBG005FHVV56 | 374083 | 5594 | SH |  | SOLE |  | 5594 | 0 | 0 |
| FIRST TR EXCHANGE TRADED FD | DORSEY WRT 5 ETF | 33738R605 | BBG005YW3DQ0 | 637108 | 10289 | SH |  | SOLE |  | 10289 | 0 | 0 |
| GALLAGHER ARTHUR J  CO | COM | 363576109 | BBG001S5NKC2 | 266387 | 860 | SH |  | SOLE |  | 860 | 0 | 0 |
| GE AEROSPACE | COM NEW | 369604301 | BBG001S5PVD5 | 344636 | 1146 | SH |  | SOLE |  | 1145 | 0 | 0 |
| GE VERNOVA INC | COM | 36828A101 | BBG013G17W77 | 203532 | 331 | SH |  | SOLE |  | 331 | 0 | 0 |
| GILEAD SCIENCES INC | COM | 375558103 | BBG001S6Y1X7 | 458874 | 4134 | SH |  | SOLE |  | 4134 | 0 | 0 |
| GOLDMAN SACHS ETF TR | ACCES TREASURY | 381430529 | BBG00DRGSD25 | 720717 | 7191 | SH |  | SOLE |  | 7190 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 | BBG001SC07Z6 | 370772 | 466 | SH |  | SOLE |  | 465 | 0 | 0 |
| GSK PLC | SPONSORED ADR | 37733W204 | BBG001SD6SM6 | 611813 | 14175 | SH |  | SOLE |  | 14175 | 0 | 0 |
| HARBOR ETF TRUST | LONG TERM GROWER | 41151J406 | BBG014VVP8S2 | 1823701 | 58527 | SH |  | SOLE |  | 58527 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 1109438 | 2738 | SH |  | SOLE |  | 2738 | 0 | 0 |
| HONEYWELL INTL INC | COM | 438516106 | BBG001S5X1N1 | 343021 | 1630 | SH |  | SOLE |  | 1629 | 0 | 0 |
| ILLINOIS TOOL WKS INC | COM | 452308109 | BBG001S5SDX0 | 347565 | 1333 | SH |  | SOLE |  | 1332 | 0 | 0 |
| INTERCONTINENTAL EXCHANGE IN | COM | 45866F104 | BBG001SDJ4R0 | 204029 | 1211 | SH |  | SOLE |  | 1211 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 843173 | 2988 | SH |  | SOLE |  | 2988 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | KBW PPTY CASUT | 46138E586 | BBG001TG54V2 | 303985 | 2458 | SH |  | SOLE |  | 2457 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 | BBG001V18CG8 | 272715 | 3711 | SH |  | SOLE |  | 3711 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | AEROSPACE DEFN | 46137V100 | BBG001S8JG85 | 1422702 | 9152 | SH |  | SOLE |  | 9152 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | BUILDING  CONST | 46137V779 | BBG001SPHKZ0 | 343647 | 3595 | SH |  | SOLE |  | 3594 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | NASDAQ INTERNT | 46137V530 | BBG001T10BD4 | 1258764 | 22547 | SH |  | SOLE |  | 22546 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S 500 TOP 50 | 46137V233 | BBG00KJR2B26 | 442381 | 7691 | SH |  | SOLE |  | 7690 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 | BBG00KJR2NN7 | 322826 | 1702 | SH |  | SOLE |  | 1701 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 10648294 | 17736 | SH |  | SOLE |  | 17736 | 0 | 0 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 | BBG0025X3FS0 | 1445689 | 22649 | SH |  | SOLE |  | 22649 | 0 | 0 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 | BBG00H5VLN77 | 20271107 | 300268 | SH |  | SOLE |  | 300268 | 0 | 0 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 | BBG001TG5H89 | 2475210 | 23947 | SH |  | SOLE |  | 23947 | 0 | 0 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 | BBG005DW06B7 | 1511233 | 34901 | SH |  | SOLE |  | 34901 | 0 | 0 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 | BBG001SKXPR1 | 2467015 | 29737 | SH |  | SOLE |  | 29737 | 0 | 0 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 | BBG001SSD830 | 4158593 | 40379 | SH |  | SOLE |  | 40378 | 0 | 0 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 | BBG001S8MLN3 | 625590 | 7000 | SH |  | SOLE |  | 7000 | 0 | 0 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 | BBG006MJFZK4 | 2246429 | 32997 | SH |  | SOLE |  | 32996 | 0 | 0 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 | BBG003H6TMV7 | 2215326 | 26826 | SH |  | SOLE |  | 26826 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 10783454 | 165238 | SH |  | SOLE |  | 165238 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 1450877 | 12210 | SH |  | SOLE |  | 12209 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 3549264 | 24368 | SH |  | SOLE |  | 24368 | 0 | 0 |
| ISHARES TR | CORE S US VLU | 464287663 | BBG001SFQL80 | 1249325 | 12500 | SH |  | SOLE |  | 12499 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 | BBG001SM1QT8 | 1598621 | 15946 | SH |  | SOLE |  | 15946 | 0 | 0 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 | BBG00D7BBRS7 | 1093762 | 11763 | SH |  | SOLE |  | 11763 | 0 | 0 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 | BBG00KK87757 | 477403 | 10590 | SH |  | SOLE |  | 10590 | 0 | 0 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 | BBG00H4BH3F2 | 371898 | 15785 | SH |  | SOLE |  | 15785 | 0 | 0 |
| ISHARES TR | IBONDS 2026 TERM | 46436E528 | BBG00Y1B7X63 | 1652422 | 70646 | SH |  | SOLE |  | 70646 | 0 | 0 |
| ISHARES TR | IBONDS 2027 TERM | 46436E478 | BBG011MMQW86 | 353451 | 15716 | SH |  | SOLE |  | 15715 | 0 | 0 |
| ISHARES TR | IBONDS 25 TRM HG | 46435U168 | BBG00P3CSKH1 | 1576784 | 67906 | SH |  | SOLE |  | 67906 | 0 | 0 |
| ISHARES TR | MBS ETF | 464288588 | BBG001SSD8B1 | 846223 | 8894 | SH |  | SOLE |  | 8893 | 0 | 0 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 | BBG0025X2WP7 | 859179 | 10128 | SH |  | SOLE |  | 10128 | 0 | 0 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 | BBG007WGM3H4 | 25028498 | 566384 | SH |  | SOLE |  | 566383 | 0 | 0 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | BBG0025X2G81 | 3773434 | 39662 | SH |  | SOLE |  | 39661 | 0 | 0 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 2961390 | 15226 | SH |  | SOLE |  | 15225 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 1064900 | 10000 | SH |  | SOLE |  | 10000 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | BBG001SLS4Q3 | 2090093 | 19574 | SH |  | SOLE |  | 19573 | 0 | 0 |
| ISHARES TR | TIPS BD ETF | 464287176 | BBG001SD9RM5 | 620941 | 5583 | SH |  | SOLE |  | 5583 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 | BBG00TSG0SK6 | 2459053 | 43066 | SH |  | SOLE |  | 43065 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | HEDGED EQUITY LA | 46654Q724 | BBG01J345HV8 | 13587818 | 209043 | SH |  | SOLE |  | 209043 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 | BBG016NKZFF7 | 6100792 | 106064 | SH |  | SOLE |  | 106063 | 0 | 0 |
| JETBLUE AWYS CORP | COM | 477143101 | BBG001S9YPC1 | 69618 | 14150 | SH |  | SOLE |  | 14150 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 539024 | 2907 | SH |  | SOLE |  | 2907 | 0 | 0 |
| JOHNSON CTLS INTL PLC | SHS | G51502105 | BBG001S5WZ84 | 452114 | 4112 | SH |  | SOLE |  | 4112 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 2145730 | 6803 | SH |  | SOLE |  | 6802 | 0 | 0 |
| KIMBERLY-CLARK CORP | COM | 494368103 | BBG001S5SLZ0 | 227721 | 1831 | SH |  | SOLE |  | 1831 | 0 | 0 |
| LABCORP HOLDINGS INC | COM SHS | 504922105 | BBG01MMT6PQ2 | 321628 | 1120 | SH |  | SOLE |  | 1120 | 0 | 0 |
| LAM RESEARCH CORP | COM NEW | 512807306 | BBG001S5SW40 | 1012501 | 7562 | SH |  | SOLE |  | 7561 | 0 | 0 |
| LINDE PLC | SHS | G54950103 | BBG01FND0CH6 | 676552 | 1424 | SH |  | SOLE |  | 1424 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 703710 | 1410 | SH |  | SOLE |  | 1409 | 0 | 0 |
| MARVELL TECHNOLOGY INC | COM | 573874104 | BBG00ZXBJ162 | 209923 | 2497 | SH |  | SOLE |  | 2497 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 | BBG001SKNNS6 | 964238 | 1695 | SH |  | SOLE |  | 1695 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 375013 | 1234 | SH |  | SOLE |  | 1234 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 425753 | 5073 | SH |  | SOLE |  | 5072 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 1442020 | 1964 | SH |  | SOLE |  | 1963 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 5691388 | 10988 | SH |  | SOLE |  | 10988 | 0 | 0 |
| NATIONAL GRID PLC | SPONSORED ADR NE | 636274409 | BBG001SD9VH2 | 409442 | 5634 | SH |  | SOLE |  | 5634 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 1154560 | 963 | SH |  | SOLE |  | 963 | 0 | 0 |
| NORTHROP GRUMMAN CORP | COM | 666807102 | BBG001S5TP26 | 218137 | 358 | SH |  | SOLE |  | 358 | 0 | 0 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 | BBG001SF5LW6 | 374846 | 2923 | SH |  | SOLE |  | 2923 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG SMLCP | 67092P607 | BBG00FJ5HWZ7 | 446060 | 10115 | SH |  | SOLE |  | 10114 | 0 | 0 |
| NVENT ELECTRIC PLC | SHS | G6700G107 | BBG00GNT7B03 | 229930 | 2331 | SH |  | SOLE |  | 2331 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 6065744 | 32510 | SH |  | SOLE |  | 32510 | 0 | 0 |
| NXP SEMICONDUCTORS N V | COM | N6596X109 | BBG001SF62F6 | 229780 | 1009 | SH |  | SOLE |  | 1009 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 518020 | 1842 | SH |  | SOLE |  | 1841 | 0 | 0 |
| PALO ALTO NETWORKS INC | COM | 697435105 | BBG001T9NWN5 | 391154 | 1921 | SH |  | SOLE |  | 1921 | 0 | 0 |
| PARKER-HANNIFIN CORP | COM | 701094104 | BBG001S5V554 | 877432 | 1157 | SH |  | SOLE |  | 1157 | 0 | 0 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 534245 | 3804 | SH |  | SOLE |  | 3804 | 0 | 0 |
| PLUG POWER INC | COM NEW | 72919P202 | BBG001S6GJB2 | 83232 | 35722 | SH |  | SOLE |  | 35722 | 0 | 0 |
| PNC FINL SVCS GROUP INC | COM | 693475105 | BBG001S5V947 | 711797 | 3543 | SH |  | SOLE |  | 3542 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 395662 | 2575 | SH |  | SOLE |  | 2575 | 0 | 0 |
| QUANTA SVCS INC | COM | 74762E102 | BBG001S5VH85 | 609613 | 1471 | SH |  | SOLE |  | 1471 | 0 | 0 |
| ROCKWELL AUTOMATION INC | COM | 773903109 | BBG001S5VRF5 | 235728 | 674 | SH |  | SOLE |  | 674 | 0 | 0 |
| ROPER TECHNOLOGIES INC | COM | 776696106 | BBG001S9B362 | 313488 | 629 | SH |  | SOLE |  | 628 | 0 | 0 |
| ROYAL BK CDA | COM | 780087102 | BBG001S60869 | 296702 | 2014 | SH |  | SOLE |  | 2014 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 | BBG001S5X5Q9 | 641063 | 3831 | SH |  | SOLE |  | 3831 | 0 | 0 |
| S GLOBAL INC | COM | 78409V104 | BBG001S5T5M8 | 300195 | 617 | SH |  | SOLE |  | 616 | 0 | 0 |
| SALESFORCE INC | COM | 79466L302 | BBG001SDLP09 | 880501 | 3715 | SH |  | SOLE |  | 3715 | 0 | 0 |
| SANOFI SA | SPONSORED ADR | 80105N105 | BBG001S5W768 | 394922 | 8367 | SH |  | SOLE |  | 8367 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 4622830 | 175506 | SH |  | SOLE |  | 175506 | 0 | 0 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 | BBG001S7T1S7 | 295060 | 3303 | SH |  | SOLE |  | 3302 | 0 | 0 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 | BBG001S7T223 | 635662 | 11800 | SH |  | SOLE |  | 11799 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 | BBG001S7SCQ6 | 250689 | 1801 | SH |  | SOLE |  | 1801 | 0 | 0 |
| SERVICENOW INC | COM | 81762P102 | BBG001T4JFC0 | 708616 | 770 | SH |  | SOLE |  | 770 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 15574207 | 43813 | SH |  | SOLE |  | 43813 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 805145 | 1209 | SH |  | SOLE |  | 1208 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 | BBG001STKCW9 | 4859722 | 52967 | SH |  | SOLE |  | 52967 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG 3-12 M | 78468R523 | BBG00X8RXGK5 | 2459914 | 24718 | SH |  | SOLE |  | 24717 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG INVT | 78468R200 | BBG0029J2J00 | 2156009 | 69864 | SH |  | SOLE |  | 69864 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 | BBG004T58LZ5 | 351611 | 7591 | SH |  | SOLE |  | 7590 | 0 | 0 |
| SPOTIFY TECHNOLOGY S A | SHS | L8681T102 | BBG003T4VFD1 | 262448 | 376 | SH |  | SOLE |  | 376 | 0 | 0 |
| STRYKER CORPORATION | COM | 863667101 | BBG001S8FR03 | 252329 | 683 | SH |  | SOLE |  | 682 | 0 | 0 |
| SYMBOTIC INC | CLASS A COM | 87151X101 | BBG00Z72HCX9 | 247940 | 4600 | SH |  | SOLE |  | 4600 | 0 | 0 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 | BBG001S5WWW4 | 746821 | 2674 | SH |  | SOLE |  | 2674 | 0 | 0 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 1852259 | 4165 | SH |  | SOLE |  | 4165 | 0 | 0 |
| TEXAS INSTRS INC | COM | 882508104 | BBG001S5WYZ7 | 362453 | 1973 | SH |  | SOLE |  | 1972 | 0 | 0 |
| THE CIGNA GROUP | COM | 125523100 | BBG00KXRCDQ9 | 204488 | 709 | SH |  | SOLE |  | 709 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 | BBG001S5WS08 | 364608 | 752 | SH |  | SOLE |  | 751 | 0 | 0 |
| TJX COS INC NEW | COM | 872540109 | BBG001S5WQ93 | 459585 | 3180 | SH |  | SOLE |  | 3179 | 0 | 0 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 | BBG001S5SBV6 | 328285 | 778 | SH |  | SOLE |  | 778 | 0 | 0 |
| TRAVELERS COMPANIES INC | COM | 89417E109 | BBG001S5R103 | 231541 | 829 | SH |  | SOLE |  | 829 | 0 | 0 |
| UBER TECHNOLOGIES INC | COM | 90353T100 | BBG002B04MW4 | 969805 | 9899 | SH |  | SOLE |  | 9899 | 0 | 0 |
| UNILEVER PLC | SPON ADR NEW | 904767704 | BBG001S5X1K4 | 227963 | 3846 | SH |  | SOLE |  | 3845 | 0 | 0 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 | BBG001SR42Z0 | 302495 | 3959 | SH |  | SOLE |  | 3959 | 0 | 0 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 | BBG002D68GN8 | 209819 | 643 | SH |  | SOLE |  | 642 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | BBG001SK7DK4 | 30969348 | 416423 | SH |  | SOLE |  | 416422 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 418700 | 873 | SH |  | SOLE |  | 873 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 397510 | 1353 | SH |  | SOLE |  | 1353 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 230867 | 377 | SH |  | SOLE |  | 377 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 4749200 | 18677 | SH |  | SOLE |  | 18677 | 0 | 0 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | BBG001SHTTW9 | 277909 | 934 | SH |  | SOLE |  | 933 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 16324456 | 49744 | SH |  | SOLE |  | 49743 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 469953 | 2520 | SH |  | SOLE |  | 2519 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 | BBG001T2YZG9 | 238577 | 1731 | SH |  | SOLE |  | 1731 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | BBG001T62KZ7 | 2029639 | 25393 | SH |  | SOLE |  | 25392 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 25739557 | 119281 | SH |  | SOLE |  | 119280 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 2709704 | 45222 | SH |  | SOLE |  | 45222 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 2263719 | 16060 | SH |  | SOLE |  | 16060 | 0 | 0 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 | BBG00M0P2VR5 | 2853444 | 41134 | SH |  | SOLE |  | 41133 | 0 | 0 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 | BBG00XGJM879 | 463298 | 7216 | SH |  | SOLE |  | 7216 | 0 | 0 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 | BBG00M0P2SP4 | 207033 | 1748 | SH |  | SOLE |  | 1748 | 0 | 0 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 | BBG001T0Y6W9 | 5389872 | 13394 | SH |  | SOLE |  | 13393 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 341340 | 7767 | SH |  | SOLE |  | 7766 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 440474 | 1290 | SH |  | SOLE |  | 1290 | 0 | 0 |
| WABTEC | COM | 929740108 | BBG001S5XBT3 | 215104 | 1073 | SH |  | SOLE |  | 1073 | 0 | 0 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 1347597 | 13076 | SH |  | SOLE |  | 13075 | 0 | 0 |
| WELLTOWER INC | COM | 95040Q104 | BBG001S5RTQ4 | 311361 | 1748 | SH |  | SOLE |  | 1747 | 0 | 0 |
| WILLIAMS COS INC | COM | 969457100 | BBG001S5XH10 | 245838 | 3881 | SH |  | SOLE |  | 3880 | 0 | 0 |
| XYLEM INC | COM | 98419M100 | BBG001V05C73 | 467377 | 3169 | SH |  | SOLE |  | 3168 | 0 | 0 |

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