# EDGAR Filing Document

**Accession Number:** 0001739043
**File Stem:** 0001739043-25-000004
**Filing Date:** 2025-7
**Character Count:** 21366
**Document Hash:** 245f62e4514b51ced67e36d71d29c6d5
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001739043-25-000004.hdr.sgml**: 20250723

**ACCESSION NUMBER**: 0001739043-25-000004

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250723

**DATE AS OF CHANGE**: 20250723

**EFFECTIVENESS DATE**: 20250723

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Winthrop Advisory Group LLC
- **CENTRAL INDEX KEY:** 0001739043

**ORGANIZATION NAME:**
- **EIN:** 820994658
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18734
- **FILM NUMBER:** 251142714

**BUSINESS ADDRESS:**
- **STREET 1:** 321 COLUMBUS AVE
- **STREET 2:** 3RD FLOOR
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02116
- **BUSINESS PHONE:** 6175301010

**MAIL ADDRESS:**
- **STREET 1:** 321 COLUMBUS AVE
- **STREET 2:** 3RD FLOOR
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02116

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** Winthrop Advisory Group LLC<br>**Address:** 321 COLUMBUS AVE<br>3RD FLOOR<br>BOSTON, MA 02116

**Form 13F File Number:** 028-18734

**CRD Number (if applicable):** 000288178

**SEC File Number (if applicable):** 801-110461

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:** Richard C. St. Onge<br>**Title:** Chief Compliance Officer<br>**Phone:** 6175301012

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

Richard C. St. Onge  Boston, MA  07-23-2025<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:** 181

**Form 13F Information Table Value Total:** $1036491023

      (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 |  | 407605 | 2997 | SH |  | SOLE |  | 0 | 0 | 2997 |
| ABBVIE INC | COM | 00287Y109 |  | 845417 | 4555 | SH |  | SOLE |  | 0 | 0 | 4555 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 456624 | 1528 | SH |  | SOLE |  | 0 | 0 | 1528 |
| ACV AUCTIONS INC | COM CL A | 00091G104 |  | 364950 | 22500 | SH |  | SOLE |  | 0 | 0 | 22500 |
| ADOBE INC | COM | 00724F101 |  | 350126 | 905 | SH |  | SOLE |  | 0 | 0 | 905 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 426126 | 3003 | SH |  | SOLE |  | 0 | 0 | 3003 |
| AECOM | COM | 00766T100 |  | 208046 | 1843 | SH |  | SOLE |  | 0 | 0 | 1843 |
| ALIBABA GROUP HLDG LTD | SPONSORED ADS | 01609W102 |  | 397606 | 3445 | SH |  | SOLE |  | 0 | 0 | 3445 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 3923464 | 22263 | SH |  | SOLE |  | 0 | 0 | 22263 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 3082104 | 17375 | SH |  | SOLE |  | 0 | 0 | 17375 |
| AMAZON COM INC | COM | 023135106 |  | 10170701 | 46359 | SH |  | SOLE |  | 0 | 0 | 46359 |
| AMBEV SA | SPONSORED ADR | 02319V103 |  | 59950 | 24634 | SH |  | SOLE |  | 0 | 0 | 24634 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 485483 | 1522 | SH |  | SOLE |  | 0 | 0 | 1522 |
| AMGEN INC | COM | 031162100 |  | 229801 | 823 | SH |  | SOLE |  | 0 | 0 | 823 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 239857 | 2425 | SH |  | SOLE |  | 0 | 0 | 2425 |
| ANALOG DEVICES INC | COM | 032654105 |  | 226758 | 953 | SH |  | SOLE |  | 0 | 0 | 953 |
| APPLE INC | COM | 037833100 |  | 31962764 | 155787 | SH |  | SOLE |  | 0 | 0 | 155787 |
| APPLIED MATLS INC | COM | 038222105 |  | 507262 | 2771 | SH |  | SOLE |  | 0 | 0 | 2771 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 209736 | 2050 | SH |  | SOLE |  | 0 | 0 | 2050 |
| ARK ETF TR | INNOVATION ETF | 00214Q104 |  | 209764 | 2984 | SH |  | SOLE |  | 0 | 0 | 2984 |
| AT INC | COM | 00206R102 |  | 589946 | 20385 | SH |  | SOLE |  | 0 | 0 | 20385 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 204679 | 660 | SH |  | SOLE |  | 0 | 0 | 660 |
| AXON ENTERPRISE INC | COM SHS | 05464C101 |  | 314617 | 380 | SH |  | SOLE |  | 0 | 0 | 380 |
| AZEK CO INC | CL A | 05478C105 |  | 298925 | 5500 | SH |  | SOLE |  | 0 | 0 | 5500 |
| BANK AMERICA CORP | COM | 060505104 |  | 1567710 | 33130 | SH |  | SOLE |  | 0 | 0 | 33130 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 4248544 | 8746 | SH |  | SOLE |  | 0 | 0 | 8746 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 467475 | 8847 | SH |  | SOLE |  | 0 | 0 | 8847 |
| BLUE OWL CAPITAL CORPORATION | COM | 69121K104 |  | 791604 | 53814 | SH |  | SOLE |  | 0 | 0 | 53814 |
| BOEING CO | COM | 097023105 |  | 623276 | 2975 | SH |  | SOLE |  | 0 | 0 | 2975 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 254727 | 44 | SH |  | SOLE |  | 0 | 0 | 44 |
| BROADCOM INC | COM | 11135F101 |  | 1873836 | 6798 | SH |  | SOLE |  | 0 | 0 | 6798 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 313879 | 1475 | SH |  | SOLE |  | 0 | 0 | 1475 |
| CATERPILLAR INC | COM | 149123101 |  | 793901 | 2045 | SH |  | SOLE |  | 0 | 0 | 2045 |
| CHEVRON CORP NEW | COM | 166764100 |  | 734959 | 5133 | SH |  | SOLE |  | 0 | 0 | 5133 |
| CINTAS CORP | COM | 172908105 |  | 300977 | 1350 | SH |  | SOLE |  | 0 | 0 | 1350 |
| CION INVT CORP | COM | 17259U204 |  | 109988 | 11493 | SH |  | SOLE |  | 0 | 0 | 11493 |
| CISCO SYS INC | COM | 17275R102 |  | 652176 | 9400 | SH |  | SOLE |  | 0 | 0 | 9400 |
| CITIGROUP INC | COM | 172967424 |  | 317893 | 3735 | SH |  | SOLE |  | 0 | 0 | 3735 |
| COCA COLA CO | COM | 191216100 |  | 332088 | 4660 | SH |  | SOLE |  | 0 | 0 | 4660 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 200817 | 622 | SH |  | SOLE |  | 0 | 0 | 622 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1210603 | 1223 | SH |  | SOLE |  | 0 | 0 | 1223 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 234792 | 461 | SH |  | SOLE |  | 0 | 0 | 461 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 1843748 | 27510 | SH |  | SOLE |  | 0 | 0 | 27510 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 11896220 | 331926 | SH |  | SOLE |  | 0 | 0 | 331926 |
| DISNEY WALT CO | COM | 254687106 |  | 1775673 | 14261 | SH |  | SOLE |  | 0 | 0 | 14261 |
| DRAFTKINGS INC NEW | COM CL A | 26142V105 |  | 456864 | 10652 | SH |  | SOLE |  | 0 | 0 | 10652 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 249808 | 2117 | SH |  | SOLE |  | 0 | 0 | 2117 |
| EDWARDS LIFESCIENCES CORP | COM | 28176E108 |  | 297276 | 3801 | SH |  | SOLE |  | 0 | 0 | 3801 |
| ELI LILLY  CO | COM | 532457108 |  | 1329522 | 1706 | SH |  | SOLE |  | 0 | 0 | 1706 |
| EMERSON ELEC CO | COM | 291011104 |  | 499948 | 3750 | SH |  | SOLE |  | 0 | 0 | 3750 |
| ENERGY TRANSFER L P | COM UT LTD PTN | 29273V100 |  | 271678 | 14985 | SH |  | SOLE |  | 0 | 0 | 14985 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 205856 | 6638 | SH |  | SOLE |  | 0 | 0 | 6638 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 605915 | 5621 | SH |  | SOLE |  | 0 | 0 | 5621 |
| GE AEROSPACE | COM NEW | 369604301 |  | 442037 | 1717 | SH |  | SOLE |  | 0 | 0 | 1717 |
| GE VERNOVA INC | COM | 36828A101 |  | 249958 | 472 | SH |  | SOLE |  | 0 | 0 | 472 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 209877 | 1893 | SH |  | SOLE |  | 0 | 0 | 1893 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA INT | 381430107 |  | 4861820 | 122587 | SH |  | SOLE |  | 0 | 0 | 122587 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 303461 | 429 | SH |  | SOLE |  | 0 | 0 | 429 |
| HARTFORD FINL SVCS GROUP INC | COM | 416515104 |  | 276581 | 2171 | SH |  | SOLE |  | 0 | 0 | 2171 |
| HCA HEALTHCARE INC | COM | 40412C101 |  | 1454449 | 3797 | SH |  | SOLE |  | 0 | 0 | 3797 |
| HOME DEPOT INC | COM | 437076102 |  | 3484711 | 9504 | SH |  | SOLE |  | 0 | 0 | 9504 |
| HONEYWELL INTL INC | COM | 438516106 |  | 379923 | 1631 | SH |  | SOLE |  | 0 | 0 | 1631 |
| HUBSPOT INC | COM | 443573100 |  | 307816 | 553 | SH |  | SOLE |  | 0 | 0 | 553 |
| INTERCONTINENTAL EXCHANGE IN | COM | 45866F104 |  | 484295 | 2640 | SH |  | SOLE |  | 0 | 0 | 2640 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1098471 | 3726 | SH |  | SOLE |  | 0 | 0 | 3726 |
| INTUIT | COM | 461202103 |  | 508239 | 645 | SH |  | SOLE |  | 0 | 0 | 645 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 4843338 | 21327 | SH |  | SOLE |  | 0 | 0 | 21327 |
| INVESCO EXCHANGE TRADED FD T | WATER RES ETF | 46137V142 |  | 207347 | 2966 | SH |  | SOLE |  | 0 | 0 | 2966 |
| INVESCO QQQ TR | COM | 46090E103 |  | 73722379 | 133500 | SH |  | SOLE |  | 0 | 0 | 133500 |
| ISHARES TR | U.S. INSRNCE ETF | 464288786 |  | 500436 | 3722 | SH |  | SOLE |  | 0 | 0 | 3722 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 2570886 | 40208 | SH |  | SOLE |  | 0 | 0 | 40208 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 366852 | 6953 | SH |  | SOLE |  | 0 | 0 | 6953 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1137405 | 13625 | SH |  | SOLE |  | 0 | 0 | 13625 |
| ISHARES TR | CORE MSCI EMKT | 46434G103 |  | 4712802 | 78507 | SH |  | SOLE |  | 0 | 0 | 78507 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 2453509 | 31736 | SH |  | SOLE |  | 0 | 0 | 31736 |
| ISHARES TR | CORE S ETF | 464287200 |  | 109643815 | 176589 | SH |  | SOLE |  | 0 | 0 | 176589 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 13819250 | 222819 | SH |  | SOLE |  | 0 | 0 | 222819 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 410069 | 3752 | SH |  | SOLE |  | 0 | 0 | 3752 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 116784019 | 864811 | SH |  | SOLE |  | 0 | 0 | 864811 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 603284 | 6081 | SH |  | SOLE |  | 0 | 0 | 6081 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 340323 | 3625 | SH |  | SOLE |  | 0 | 0 | 3625 |
| ISHARES TR | EXPANDED TECH | 464287515 |  | 209364 | 1912 | SH |  | SOLE |  | 0 | 0 | 1912 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 365826 | 3338 | SH |  | SOLE |  | 0 | 0 | 3338 |
| ISHARES TR | ULTRA SHORT-TERM | 46434V878 |  | 60752611 | 1198040 | SH |  | SOLE |  | 0 | 0 | 1198040 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 883319 | 6869 | SH |  | SOLE |  | 0 | 0 | 6869 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 59021513 | 968519 | SH |  | SOLE |  | 0 | 0 | 968519 |
| ISHARES TR | MSCI USA ESG SLC | 464288802 |  | 1557422 | 12287 | SH |  | SOLE |  | 0 | 0 | 12287 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 526625 | 5040 | SH |  | SOLE |  | 0 | 0 | 5040 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 |  | 272652 | 1142 | SH |  | SOLE |  | 0 | 0 | 1142 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 87307491 | 257112 | SH |  | SOLE |  | 0 | 0 | 257112 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 20488528 | 48256 | SH |  | SOLE |  | 0 | 0 | 48256 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 3658270 | 18835 | SH |  | SOLE |  | 0 | 0 | 18835 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 557482 | 2583 | SH |  | SOLE |  | 0 | 0 | 2583 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 5917366 | 16859 | SH |  | SOLE |  | 0 | 0 | 16859 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 949670 | 10326 | SH |  | SOLE |  | 0 | 0 | 10326 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 205546 | 1052 | SH |  | SOLE |  | 0 | 0 | 1052 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 4897138 | 44479 | SH |  | SOLE |  | 0 | 0 | 44479 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 1175592 | 8852 | SH |  | SOLE |  | 0 | 0 | 8852 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 237154 | 2230 | SH |  | SOLE |  | 0 | 0 | 2230 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 262261 | 1390 | SH |  | SOLE |  | 0 | 0 | 1390 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 239151 | 7795 | SH |  | SOLE |  | 0 | 0 | 7795 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 6421179 | 126700 | SH |  | SOLE |  | 0 | 0 | 126700 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1400462 | 9168 | SH |  | SOLE |  | 0 | 0 | 9168 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 5365419 | 18507 | SH |  | SOLE |  | 0 | 0 | 18507 |
| KLA CORP | COM | 482480100 |  | 926011 | 1034 | SH |  | SOLE |  | 0 | 0 | 1034 |
| LIVE NATION ENTERTAINMENT IN | COM | 538034109 |  | 412843 | 2729 | SH |  | SOLE |  | 0 | 0 | 2729 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 970339 | 2095 | SH |  | SOLE |  | 0 | 0 | 2095 |
| LOWES COS INC | COM | 548661107 |  | 265255 | 1196 | SH |  | SOLE |  | 0 | 0 | 1196 |
| LPL FINL HLDGS INC | COM | 50212V100 |  | 7632205 | 20354 | SH |  | SOLE |  | 0 | 0 | 20354 |
| LULULEMON ATHLETICA INC | COM | 550021109 |  | 255636 | 1076 | SH |  | SOLE |  | 0 | 0 | 1076 |
| MAGNITE INC | COM | 55955D100 |  | 337680 | 14000 | SH |  | SOLE |  | 0 | 0 | 14000 |
| MARKEL GROUP INC | COM | 570535104 |  | 653137 | 327 | SH |  | SOLE |  | 0 | 0 | 327 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1542352 | 2745 | SH |  | SOLE |  | 0 | 0 | 2745 |
| MCDONALDS CORP | COM | 580135101 |  | 704637 | 2412 | SH |  | SOLE |  | 0 | 0 | 2412 |
| MERCK  CO INC | COM | 58933Y105 |  | 699953 | 8752 | SH |  | SOLE |  | 0 | 0 | 8752 |
| META PLATFORMS INC | CL A | 30303M102 |  | 5527894 | 7489 | SH |  | SOLE |  | 0 | 0 | 7489 |
| MICROSOFT CORP | COM | 594918104 |  | 19092861 | 38385 | SH |  | SOLE |  | 0 | 0 | 38385 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 362609 | 2574 | SH |  | SOLE |  | 0 | 0 | 2574 |
| NETFLIX INC | COM | 64110L106 |  | 752591 | 562 | SH |  | SOLE |  | 0 | 0 | 562 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 5529176 | 34995 | SH |  | SOLE |  | 0 | 0 | 34995 |
| ORACLE CORP | COM | 68389X105 |  | 1116599 | 5107 | SH |  | SOLE |  | 0 | 0 | 5107 |
| PEPSICO INC | COM | 713448108 |  | 815704 | 6178 | SH |  | SOLE |  | 0 | 0 | 6178 |
| PFIZER INC | COM | 717081103 |  | 344497 | 14212 | SH |  | SOLE |  | 0 | 0 | 14212 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1563340 | 9813 | SH |  | SOLE |  | 0 | 0 | 9813 |
| RTX CORPORATION | COM | 75513E101 |  | 581739 | 3984 | SH |  | SOLE |  | 0 | 0 | 3984 |
| SALESFORCE INC | COM | 79466L302 |  | 558443 | 2045 | SH |  | SOLE |  | 0 | 0 | 2045 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US B | 808524789 |  | 219256 | 9143 | SH |  | SOLE |  | 0 | 0 | 9143 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 54459171 | 2285320 | SH |  | SOLE |  | 0 | 0 | 2285320 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 9609359 | 362617 | SH |  | SOLE |  | 0 | 0 | 362617 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 334315 | 11445 | SH |  | SOLE |  | 0 | 0 | 11445 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 4558032 | 186499 | SH |  | SOLE |  | 0 | 0 | 186499 |
| SEA LTD | SPONSORD ADS | 81141R100 |  | 206323 | 1290 | SH |  | SOLE |  | 0 | 0 | 1290 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 226992 | 2676 | SH |  | SOLE |  | 0 | 0 | 2676 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 471320 | 9000 | SH |  | SOLE |  | 0 | 0 | 9000 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 804382 | 3176 | SH |  | SOLE |  | 0 | 0 | 3176 |
| SERVICENOW INC | COM | 81762P102 |  | 631241 | 614 | SH |  | SOLE |  | 0 | 0 | 614 |
| SHOPIFY INC | CL A | 82509L107 |  | 616546 | 5345 | SH |  | SOLE |  | 0 | 0 | 5345 |
| SOUTHWEST AIRLS CO | COM | 844741108 |  | 554540 | 17000 | SH |  | SOLE |  | 0 | 0 | 17000 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 389776 | 882 | SH |  | SOLE |  | 0 | 0 | 882 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 675961 | 2218 | SH |  | SOLE |  | 0 | 0 | 2218 |
| SPDR S 500 ETF TR | COM | 78462F103 |  | 18374006 | 29654 | SH |  | SOLE |  | 0 | 0 | 29654 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 2597801 | 4571 | SH |  | SOLE |  | 0 | 0 | 4571 |
| SPDR SER TR | BBG CONV SEC ETF | 78464A359 |  | 246657 | 2984 | SH |  | SOLE |  | 0 | 0 | 2984 |
| SPDR SER TR | PRTFLO S GW | 78464A409 |  | 3343959 | 35081 | SH |  | SOLE |  | 0 | 0 | 35081 |
| SPDR SER TR | PORTFOLI S | 78464A805 |  | 35957916 | 480143 | SH |  | SOLE |  | 0 | 0 | 480143 |
| STARBUCKS CORP | COM | 855244109 |  | 936829 | 10224 | SH |  | SOLE |  | 0 | 0 | 10224 |
| SYSCO CORP | COM | 871829107 |  | 285245 | 3766 | SH |  | SOLE |  | 0 | 0 | 3766 |
| TESLA INC | COM | 88160R101 |  | 2651826 | 8348 | SH |  | SOLE |  | 0 | 0 | 8348 |
| THE CIGNA GROUP | COM | 125523100 |  | 1113368 | 3368 | SH |  | SOLE |  | 0 | 0 | 3368 |
| TJX COS INC NEW | COM | 872540109 |  | 268467 | 2174 | SH |  | SOLE |  | 0 | 0 | 2174 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 887505 | 2029 | SH |  | SOLE |  | 0 | 0 | 2029 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 216306 | 808 | SH |  | SOLE |  | 0 | 0 | 808 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 434600 | 4306 | SH |  | SOLE |  | 0 | 0 | 4306 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 482007 | 1545 | SH |  | SOLE |  | 0 | 0 | 1545 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 221720 | 2364 | SH |  | SOLE |  | 0 | 0 | 2364 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 406250 | 1457 | SH |  | SOLE |  | 0 | 0 | 1457 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 14278728 | 74094 | SH |  | SOLE |  | 0 | 0 | 74094 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 8547402 | 19474 | SH |  | SOLE |  | 0 | 0 | 19474 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 646286 | 2259 | SH |  | SOLE |  | 0 | 0 | 2259 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 1354732 | 4823 | SH |  | SOLE |  | 0 | 0 | 4823 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 227112 | 797 | SH |  | SOLE |  | 0 | 0 | 797 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 2767059 | 4856 | SH |  | SOLE |  | 0 | 0 | 4856 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 277150 | 999 | SH |  | SOLE |  | 0 | 0 | 999 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 262878 | 1342 | SH |  | SOLE |  | 0 | 0 | 1342 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 58596335 | 192218 | SH |  | SOLE |  | 0 | 0 | 192218 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 4586123 | 25808 | SH |  | SOLE |  | 0 | 0 | 25808 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 5647714 | 114188 | SH |  | SOLE |  | 0 | 0 | 114188 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 10079469 | 205578 | SH |  | SOLE |  | 0 | 0 | 205578 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 214680 | 2700 | SH |  | SOLE |  | 0 | 0 | 2700 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 4886098 | 23772 | SH |  | SOLE |  | 0 | 0 | 23772 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 7662450 | 110905 | SH |  | SOLE |  | 0 | 0 | 110905 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 213698 | 3748 | SH |  | SOLE |  | 0 | 0 | 3748 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 947858 | 7110 | SH |  | SOLE |  | 0 | 0 | 7110 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 215256 | 2687 | SH |  | SOLE |  | 0 | 0 | 2687 |
| VERISK ANALYTICS INC | COM | 92345Y106 |  | 247467 | 794 | SH |  | SOLE |  | 0 | 0 | 794 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 272423 | 6296 | SH |  | SOLE |  | 0 | 0 | 6296 |
| VISA INC | COM | 92826C839 |  | 3520339 | 9915 | SH |  | SOLE |  | 0 | 0 | 9915 |
| VIVID SEATS INC | COM CL A | 92854T100 |  | 16900 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| WALMART INC | COM | 931142103 |  | 2219761 | 22702 | SH |  | SOLE |  | 0 | 0 | 22702 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 337131 | 1473 | SH |  | SOLE |  | 0 | 0 | 1473 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 16155340 | 192923 | SH |  | SOLE |  | 0 | 0 | 192923 |

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