# EDGAR Filing Document

**Accession Number:** 0001767513
**File Stem:** 0001767513-23-000001
**Filing Date:** 2023-1
**Character Count:** 15085
**Document Hash:** aff83f556bc7cb5b2d5b506f260b484c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001767513-23-000001.hdr.sgml**: 20230127

**ACCESSION NUMBER**: 0001767513-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230127

**DATE AS OF CHANGE**: 20230127

**EFFECTIVENESS DATE**: 20230127

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Human Investing LLC
- **CENTRAL INDEX KEY:** 0001767513
- **IRS NUMBER:** 743130983
- **STATE OF INCORPORATION:** OR
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19337
- **FILM NUMBER:** 23561405

**BUSINESS ADDRESS:**
- **STREET 1:** 525 3RD ST, SUITE 331
- **CITY:** LAKE OSWEGO
- **STATE:** OR
- **ZIP:** 97034
- **BUSINESS PHONE:** (503) 905-3100

**MAIL ADDRESS:**
- **STREET 1:** 525 3RD ST, SUITE 200
- **CITY:** LAKE OSWEGO
- **STATE:** OR
- **ZIP:** 97034

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** ANDERSON FISHER LLC
- **DATE OF NAME CHANGE:** 20190208

### 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:** Human Investing LLC<br>**Address:** 525 3RD ST SUITE 200<br>LAKE OSWEGO, OR 97034

**Form 13F File Number:** 028-19337

**CRD Number (if applicable):** 000133017

**SEC File Number (if applicable):** 801-63556

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:** Andrew Gladhill<br>**Title:** Director of Investments and Compliance<br>**Phone:** 503-905-3115

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

Andrew Gladhill  Lake Oswego, OR  12-31-2022<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[ ] **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).)

[x] **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:** 1

**Form 13F Information Table Entry Total:** 113

**Form 13F Information Table Value Total:** $393108469

      (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.]

|   No. | Name           | Form 13F File Number   |   CRD Number | SEC File Number   |
|---:|:---|:---|---:|:---|
|     1 | Betterment LLC | 028-16706              |    000149117 | 801-70171         |

### 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 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 37383096 | 890710 | SH |  | SOLE |  | 0 | 0 | 890710 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 18045851 | 380473 | SH |  | SOLE |  | 0 | 0 | 380473 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 22343780 | 296809 | SH |  | SOLE |  | 0 | 0 | 296809 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 86108306 | 245085 | SH |  | SOLE |  | 0 | 0 | 245085 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 9185969 | 235659 | SH |  | SOLE |  | 0 | 0 | 235659 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 10876947 | 188117 | SH |  | SOLE |  | 0 | 0 | 188117 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 19724534 | 182280 | SH |  | SOLE |  | 0 | 0 | 182280 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 12335277 | 165975 | SH |  | SOLE |  | 0 | 0 | 165975 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 7985527 | 134053 | SH |  | SOLE |  | 0 | 0 | 134053 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 19210643 | 126511 | SH |  | SOLE |  | 0 | 0 | 126511 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 7931006 | 113902 | SH |  | SOLE |  | 0 | 0 | 113902 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 9405676 | 99384 | SH |  | SOLE |  | 0 | 0 | 99384 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 5958620 | 90474 | SH |  | SOLE |  | 0 | 0 | 90474 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 18881262 | 78057 | SH |  | SOLE |  | 0 | 0 | 78057 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 2896169 | 58877 | SH |  | SOLE |  | 0 | 0 | 58877 |
| BLOCK H  R INC | COM | 093671105 |  | 1963727 | 53786 | SH |  | SOLE |  | 0 | 0 | 53786 |
| INFOSYS LTD | SPONSORED ADR | 456788108 |  | 724366 | 40220 | SH |  | SOLE |  | 0 | 0 | 40220 |
| ISHARES TR | CORE S ETF | 464287200 |  | 15002502 | 39048 | SH |  | SOLE |  | 0 | 0 | 39048 |
| NIKE INC | CL B | 654106103 |  | 4462995 | 38142 | SH |  | SOLE |  | 0 | 0 | 38142 |
| HP INC | COM | 40434L105 |  | 916650 | 34114 | SH |  | SOLE |  | 0 | 0 | 34114 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 |  | 2030629 | 33467 | SH |  | SOLE |  | 0 | 0 | 33467 |
| PFIZER INC | COM | 717081103 |  | 1670529 | 32602 | SH |  | SOLE |  | 0 | 0 | 32602 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 2679930 | 32492 | SH |  | SOLE |  | 0 | 0 | 32492 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 2130331 | 29654 | SH |  | SOLE |  | 0 | 0 | 29654 |
| INTEL CORP | COM | 458140100 |  | 782236 | 29597 | SH |  | SOLE |  | 0 | 0 | 29597 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 1698203 | 29039 | SH |  | SOLE |  | 0 | 0 | 29039 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 1150198 | 25475 | SH |  | SOLE |  | 0 | 0 | 25475 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 1273561 | 24624 | SH |  | SOLE |  | 0 | 0 | 24624 |
| APPLE INC | COM | 037833100 |  | 2950544 | 22709 | SH |  | SOLE |  | 0 | 0 | 22709 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 3844023 | 20106 | SH |  | SOLE |  | 0 | 0 | 20106 |
| ABBVIE INC | COM | 00287Y109 |  | 3208494 | 19853 | SH |  | SOLE |  | 0 | 0 | 19853 |
| EMPLOYERS HLDGS INC | COM | 292218104 |  | 823900 | 19103 | SH |  | SOLE |  | 0 | 0 | 19103 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 893421 | 18053 | SH |  | SOLE |  | 0 | 0 | 18053 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 802463 | 16919 | SH |  | DFND | 1 | 0 | 0 | 16919 |
| MERCK  CO INC | COM | 58933Y105 |  | 1871837 | 16871 | SH |  | SOLE |  | 0 | 0 | 16871 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 731543 | 16004 | SH |  | SOLE |  | 0 | 0 | 16004 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 587791 | 14919 | SH |  | SOLE |  | 0 | 0 | 14919 |
| NATIONAL BK HLDGS CORP | CL A | 633707104 |  | 622748 | 14803 | SH |  | SOLE |  | 0 | 0 | 14803 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 1010065 | 14038 | SH |  | SOLE |  | 0 | 0 | 14038 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 585346 | 13947 | SH |  | DFND | 1 | 0 | 0 | 13947 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 1869316 | 13812 | SH |  | SOLE |  | 0 | 0 | 13812 |
| PREMIER INC | CL A | 74051N102 |  | 479471 | 13707 | SH |  | SOLE |  | 0 | 0 | 13707 |
| VIATRIS INC | COM | 92556V106 |  | 149921 | 13470 | SH |  | SOLE |  | 0 | 0 | 13470 |
| CISCO SYS INC | COM | 17275R102 |  | 629870 | 13221 | SH |  | SOLE |  | 0 | 0 | 13221 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 903934 | 12008 | SH |  | DFND | 1 | 0 | 0 | 12008 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 1251538 | 12003 | SH |  | SOLE |  | 0 | 0 | 12003 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 231422 | 11997 | SH |  | SOLE |  | 0 | 0 | 11997 |
| BP PLC | SPONSORED ADR | 055622104 |  | 405502 | 11609 | SH |  | SOLE |  | 0 | 0 | 11609 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 563600 | 11272 | SH |  | SOLE |  | 0 | 0 | 11272 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 1958434 | 11242 | SH |  | SOLE |  | 0 | 0 | 11242 |
| BUCKLE INC | COM | 118440106 |  | 508162 | 11205 | SH |  | SOLE |  | 0 | 0 | 11205 |
| FIRST BANCORP P R | COM NEW | 318672706 |  | 135837 | 10679 | SH |  | SOLE |  | 0 | 0 | 10679 |
| GENERAL MLS INC | COM | 370334104 |  | 893086 | 10651 | SH |  | SOLE |  | 0 | 0 | 10651 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 1076976 | 10641 | SH |  | SOLE |  | 0 | 0 | 10641 |
| FORTINET INC | COM | 34959E109 |  | 508358 | 10398 | SH |  | SOLE |  | 0 | 0 | 10398 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 220993 | 10036 | SH |  | SOLE |  | 0 | 0 | 10036 |
| QUALCOMM INC | COM | 747525103 |  | 1085776 | 9876 | SH |  | SOLE |  | 0 | 0 | 9876 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 772299 | 9802 | SH |  | SOLE |  | 0 | 0 | 9802 |
| TEXAS INSTRS INC | COM | 882508104 |  | 1580536 | 9566 | SH |  | SOLE |  | 0 | 0 | 9566 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 472938 | 9393 | SH |  | SOLE |  | 0 | 0 | 9393 |
| HORMEL FOODS CORP | COM | 440452100 |  | 419368 | 9207 | SH |  | SOLE |  | 0 | 0 | 9207 |
| AMDOCS LTD | SHS | G02602103 |  | 834826 | 9184 | SH |  | SOLE |  | 0 | 0 | 9184 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 529922 | 9165 | SH |  | DFND | 1 | 0 | 0 | 9165 |
| VANGUARD BD INDEX FDS | LONG TERM BOND | 921937793 |  | 631760 | 8721 | SH |  | SOLE |  | 0 | 0 | 8721 |
| PAYCHEX INC | COM | 704326107 |  | 931415 | 8060 | SH |  | SOLE |  | 0 | 0 | 8060 |
| GSK PLC | SPONSORED ADR | 37733W204 |  | 278449 | 7924 | SH |  | SOLE |  | 0 | 0 | 7924 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 469662 | 7619 | SH |  | SOLE |  | 0 | 0 | 7619 |
| US BANCORP DEL | COM NEW | 902973304 |  | 310547 | 7121 | SH |  | SOLE |  | 0 | 0 | 7121 |
| EOG RES INC | COM | 26875P101 |  | 914564 | 7061 | SH |  | SOLE |  | 0 | 0 | 7061 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 763740 | 7058 | SH |  | DFND | 1 | 0 | 0 | 7058 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 520173 | 6999 | SH |  | DFND | 1 | 0 | 0 | 6999 |
| ABBOTT LABS | COM | 002824100 |  | 728007 | 6631 | SH |  | SOLE |  | 0 | 0 | 6631 |
| MICROSOFT CORP | COM | 594918104 |  | 1558671 | 6499 | SH |  | SOLE |  | 0 | 0 | 6499 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 546611 | 6446 | SH |  | SOLE |  | 0 | 0 | 6446 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 547981 | 6383 | SH |  | SOLE |  | 0 | 0 | 6383 |
| FMC CORP | COM NEW | 302491303 |  | 779199 | 6244 | SH |  | SOLE |  | 0 | 0 | 6244 |
| ONE GAS INC | COM | 68235P108 |  | 472266 | 6237 | SH |  | SOLE |  | 0 | 0 | 6237 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1073808 | 6079 | SH |  | SOLE |  | 0 | 0 | 6079 |
| AMGEN INC | COM | 031162100 |  | 1581657 | 6022 | SH |  | SOLE |  | 0 | 0 | 6022 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 510852 | 5790 | SH |  | SOLE |  | 0 | 0 | 5790 |
| KELLOGG CO | COM | 487836108 |  | 396267 | 5562 | SH |  | SOLE |  | 0 | 0 | 5562 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 358875 | 5449 | SH |  | DFND | 1 | 0 | 0 | 5449 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 735499 | 5418 | SH |  | SOLE |  | 0 | 0 | 5418 |
| CF INDS HLDGS INC | COM | 125269100 |  | 459313 | 5391 | SH |  | SOLE |  | 0 | 0 | 5391 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 740978 | 5259 | SH |  | SOLE |  | 0 | 0 | 5259 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 312716 | 5250 | SH |  | DFND | 1 | 0 | 0 | 5250 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 237998 | 5096 | SH |  | SOLE |  | 0 | 0 | 5096 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 767956 | 5057 | SH |  | DFND | 1 | 0 | 0 | 5057 |
| HOME DEPOT INC | COM | 437076102 |  | 1590013 | 5034 | SH |  | SOLE |  | 0 | 0 | 5034 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1714893 | 4881 | SH |  | DFND | 1 | 0 | 0 | 4881 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 837365 | 4817 | SH |  | SOLE |  | 0 | 0 | 4817 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 265737 | 4747 | SH |  | SOLE |  | 0 | 0 | 4747 |
| STARBUCKS CORP | COM | 855244109 |  | 444853 | 4484 | SH |  | SOLE |  | 0 | 0 | 4484 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 311730 | 4477 | SH |  | DFND | 1 | 0 | 0 | 4477 |
| LAMB WESTON HLDGS INC | COM | 513272104 |  | 374865 | 4195 | SH |  | SOLE |  | 0 | 0 | 4195 |
| BROADCOM INC | COM | 11135F101 |  | 2331196 | 4169 | SH |  | SOLE |  | 0 | 0 | 4169 |
| MCDONALDS CORP | COM | 580135101 |  | 1014194 | 3848 | SH |  | SOLE |  | 0 | 0 | 3848 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 536302 | 3602 | SH |  | SOLE |  | 0 | 0 | 3602 |
| LILLY ELI  CO | COM | 532457108 |  | 1280324 | 3500 | SH |  | SOLE |  | 0 | 0 | 3500 |
| MEDIFAST INC | COM | 58470H101 |  | 338238 | 2932 | SH |  | SOLE |  | 0 | 0 | 2932 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 724631 | 2716 | SH |  | SOLE |  | 0 | 0 | 2716 |
| ARISTA NETWORKS INC | COM | 040413106 |  | 328009 | 2703 | SH |  | SOLE |  | 0 | 0 | 2703 |
| LOWES COS INC | COM | 548661107 |  | 516002 | 2590 | SH |  | SOLE |  | 0 | 0 | 2590 |
| AMAZON COM INC | COM | 023135106 |  | 216720 | 2580 | SH |  | SOLE |  | 0 | 0 | 2580 |
| 3M CO | COM | 88579Y101 |  | 263450 | 2197 | SH |  | SOLE |  | 0 | 0 | 2197 |
| GARTNER INC | COM | 366651107 |  | 678700 | 2019 | SH |  | SOLE |  | 0 | 0 | 2019 |
| ENPHASE ENERGY INC | COM | 29355A107 |  | 424201 | 1601 | SH |  | SOLE |  | 0 | 0 | 1601 |
| ALBEMARLE CORP | COM | 012653101 |  | 325073 | 1499 | SH |  | SOLE |  | 0 | 0 | 1499 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 327032 | 1484 | SH |  | SOLE |  | 0 | 0 | 1484 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 225282 | 1328 | SH |  | SOLE |  | 0 | 0 | 1328 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 383345 | 1241 | SH |  | SOLE |  | 0 | 0 | 1241 |
| ULTA BEAUTY INC | COM | 90384S303 |  | 567575 | 1210 | SH |  | SOLE |  | 0 | 0 | 1210 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 286995 | 1186 | SH |  | DFND | 1 | 0 | 0 | 1186 |

---