# EDGAR Filing Document

**Accession Number:** 0001630360
**File Stem:** 0001630360-25-000002
**Filing Date:** 2025-10
**Character Count:** 22559
**Document Hash:** 138b1627e9bf738e28461890d18326f6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001630360-25-000002.hdr.sgml**: 20251022

**ACCESSION NUMBER**: 0001630360-25-000002

**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:** Ironwood Financial, llc
- **CENTRAL INDEX KEY:** 0001630360

**ORGANIZATION NAME:**
- **EIN:** 364659322
- **STATE OF INCORPORATION:** AZ
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-16526
- **FILM NUMBER:** 251409936

**BUSINESS ADDRESS:**
- **STREET 1:** 1926 E FT. LOWELL ROAD
- **STREET 2:** STE 100
- **CITY:** TUCSON
- **STATE:** AZ
- **ZIP:** 85719
- **BUSINESS PHONE:** 5203184600

**MAIL ADDRESS:**
- **STREET 1:** 1926 E FT. LOWELL ROAD
- **STREET 2:** STE 100
- **CITY:** TUCSON
- **STATE:** AZ
- **ZIP:** 85719

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Ironwood Wealth Management, llc
- **DATE OF NAME CHANGE:** 20150109

### 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:** Ironwood Financial llc<br>**Address:** 1926 E FT. LOWELL ROAD<br>STE 100<br>TUCSON, AZ 85719

**Form 13F File Number:** 028-16526

**CRD Number (if applicable):** 000151004

**SEC File Number (if applicable):** 801-70463

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:** Robin Dolezal<br>**Title:** CCO<br>**Phone:** 520-318-4600

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

/s/Robin Dolezal  Tucson, AZ  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:** 166

**Form 13F Information Table Value Total:** $564361994

      (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 | BBG001S5N9M6 | 369139 | 2756 | SH |  | SOLE |  | 0 | 0 | 2756 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 706206 | 3050 | SH |  | SOLE |  | 0 | 0 | 3050 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 | BBG001S5NN36 | 210974 | 1304 | SH |  | SOLE |  | 0 | 0 | 1304 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 4924963 | 20259 | SH |  | SOLE |  | 0 | 0 | 20259 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 4607126 | 18917 | SH |  | SOLE |  | 0 | 0 | 18917 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 6864772 | 31265 | SH |  | SOLE |  | 0 | 0 | 31265 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 | BBG00Q9MQZW3 | 1598249 | 16058 | SH |  | SOLE |  | 0 | 0 | 16058 |
| AMERICAN HOMES 4 RENT | CL A | 02665T306 | BBG003NXJNJ4 | 269824 | 8115 | SH |  | SOLE |  | 0 | 0 | 8115 |
| AMGEN INC | COM | 031162100 | BBG001S5NNL6 | 1606282 | 5692 | SH |  | SOLE |  | 0 | 0 | 5692 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 41669739 | 163648 | SH |  | SOLE |  | 0 | 0 | 163648 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 787115 | 1566 | SH |  | SOLE |  | 0 | 0 | 1566 |
| BIOGEN INC | COM | 09062X103 | BBG001S67826 | 496303 | 3543 | SH |  | SOLE |  | 0 | 0 | 3543 |
| BOEING CO | COM | 097023105 | BBG001S5P0V3 | 619000 | 2868 | SH |  | SOLE |  | 0 | 0 | 2868 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 | BBG001S8N8J6 | 407208 | 9029 | SH |  | SOLE |  | 0 | 0 | 9029 |
| CENCORA INC | COM | 03073E105 | BBG001S8X7P0 | 3713481 | 11882 | SH |  | SOLE |  | 0 | 0 | 11882 |
| COMCAST CORP NEW | CL A | 20030N101 | BBG001S5PXL2 | 463382 | 14748 | SH |  | SOLE |  | 0 | 0 | 14748 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 3549543 | 3835 | SH |  | SOLE |  | 0 | 0 | 3835 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 | BBG012G21Y06 | 656149 | 14227 | SH |  | SOLE |  | 0 | 0 | 14227 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 | BBG011DXY6D4 | 251052 | 6509 | SH |  | SOLE |  | 0 | 0 | 6509 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 | BBG011DXXNJ2 | 634719 | 8762 | SH |  | SOLE |  | 0 | 0 | 8762 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 | BBG0177CTQC7 | 405338 | 9070 | SH |  | SOLE |  | 0 | 0 | 9070 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 | BBG011DXXVM0 | 1025942 | 14986 | SH |  | SOLE |  | 0 | 0 | 14986 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 | BBG011DXY0L8 | 212641 | 3653 | SH |  | SOLE |  | 0 | 0 | 3653 |
| DISNEY WALT CO | COM | 254687106 | BBG001S5QHF3 | 366057 | 3197 | SH |  | SOLE |  | 0 | 0 | 3197 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 4004224 | 5248 | SH |  | SOLE |  | 0 | 0 | 5248 |
| FIDELITY COMWLTH TR | NASDAQ COMPSIT | 315912808 | BBG001SBT983 | 410302 | 4603 | SH |  | SOLE |  | 0 | 0 | 4603 |
| FS CREDIT OPPORTUNITIES CORP | COMMON STOCK | 30290Y101 | BBG01BG24837 | 133078 | 19259 | SH |  | SOLE |  | 0 | 0 | 19259 |
| GRAYSCALE BITCOIN TRUST ETF | SHS REP COM UT | 389637109 | BBG008748J97 | 214909 | 2394 | SH |  | SOLE |  | 0 | 0 | 2394 |
| GSK PLC | SPONSORED ADR | 37733W204 | BBG001SD6SM6 | 215153 | 4985 | SH |  | SOLE |  | 0 | 0 | 4985 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 1823996 | 4502 | SH |  | SOLE |  | 0 | 0 | 4502 |
| HONEYWELL INTL INC | COM | 438516106 | BBG001S5X1N1 | 791480 | 3760 | SH |  | SOLE |  | 0 | 0 | 3760 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 2981585 | 10567 | SH |  | SOLE |  | 0 | 0 | 10567 |
| INTUIT | COM | 461202103 | BBG001S6TWR2 | 2961098 | 4336 | SH |  | SOLE |  | 0 | 0 | 4336 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 | BBG00XS6PBW6 | 213491 | 864 | SH |  | SOLE |  | 0 | 0 | 864 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2027 | 46138J585 | BBG00Q5LFH79 | 8588603 | 377687 | SH |  | SOLE |  | 0 | 0 | 377687 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2029 | 46138J577 | BBG00Q5D6ZV0 | 2723970 | 144815 | SH |  | SOLE |  | 0 | 0 | 144815 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2029 HG | 46138J395 | BBG012JBJ3V8 | 360154 | 16697 | SH |  | SOLE |  | 0 | 0 | 16697 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2031 CP | 46138J429 | BBG012JBHCX8 | 524252 | 31430 | SH |  | SOLE |  | 0 | 0 | 31430 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 CB | 46138J825 | BBG00KJR2J47 | 482446 | 23318 | SH |  | SOLE |  | 0 | 0 | 23318 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 HY | 46138J817 | BBG00KXH4WB4 | 860721 | 37325 | SH |  | SOLE |  | 0 | 0 | 37325 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 | BBG00KJR2K35 | 9458093 | 483543 | SH |  | SOLE |  | 0 | 0 | 483543 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 | BBG00KJR2L24 | 10480019 | 531711 | SH |  | SOLE |  | 0 | 0 | 531711 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO 28 HYCORP | 46138J452 | BBG00X3HZJZ8 | 2362508 | 106998 | SH |  | SOLE |  | 0 | 0 | 106998 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO 30 CORP | 46138J460 | BBG00X3HYBX8 | 1512054 | 89471 | SH |  | SOLE |  | 0 | 0 | 89471 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 26 | 46138J635 | BBG00LNJYDS0 | 11051365 | 472180 | SH |  | SOLE |  | 0 | 0 | 472180 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 28 | 46138J643 | BBG00LNJW5P2 | 10640208 | 517268 | SH |  | SOLE |  | 0 | 0 | 517268 |
| INVESCO EXCHANGE TRADED FD T | LEISURE AND ENTE | 46137V720 | BBG001SN68L9 | 553682 | 9140 | SH |  | SOLE |  | 0 | 0 | 9140 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 | BBG00KJR2NN7 | 8062475 | 42501 | SH |  | SOLE |  | 0 | 0 | 42501 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 4515996 | 7522 | SH |  | SOLE |  | 0 | 0 | 7522 |
| ISHARES INC | MSCI EQUAL WEITE | 464286681 | BBG001T8MYT8 | 13287575 | 129043 | SH |  | SOLE |  | 0 | 0 | 129043 |
| ISHARES SILVER TR | ISHARES | 46428Q109 | BBG001SQLN69 | 347561 | 8203 | SH |  | SOLE |  | 0 | 0 | 8203 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 | BBG001V0XLT8 | 2385886 | 19485 | SH |  | SOLE |  | 0 | 0 | 19485 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 577767 | 6617 | SH |  | SOLE |  | 0 | 0 | 6617 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 23601094 | 361647 | SH |  | SOLE |  | 0 | 0 | 361647 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 15302054 | 128773 | SH |  | SOLE |  | 0 | 0 | 128773 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 7610729 | 52254 | SH |  | SOLE |  | 0 | 0 | 52254 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 71738107 | 107184 | SH |  | SOLE |  | 0 | 0 | 107184 |
| ISHARES TR | CORE US AGGBD ET | 464287226 | BBG001SM1QT8 | 4764311 | 47524 | SH |  | SOLE |  | 0 | 0 | 47524 |
| ISHARES TR | EUROPE ETF | 464287861 | BBG001SFGXD9 | 282721 | 4318 | SH |  | SOLE |  | 0 | 0 | 4318 |
| ISHARES TR | EXPANDED TECH | 464287515 | BBG001S7W2J1 | 391609 | 3405 | SH |  | SOLE |  | 0 | 0 | 3405 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 | BBG001S60KQ0 | 907938 | 8797 | SH |  | SOLE |  | 0 | 0 | 8797 |
| ISHARES TR | IBDS DEC28 ETF | 46435U515 | BBG00M0P3SC7 | 4901220 | 192054 | SH |  | SOLE |  | 0 | 0 | 192054 |
| ISHARES TR | IBONDS 2026 TERM | 46436E528 | BBG00Y1B7X63 | 2585581 | 110542 | SH |  | SOLE |  | 0 | 0 | 110542 |
| ISHARES TR | IBONDS 2027 TERM | 46436E478 | BBG011MMQW86 | 2938771 | 130670 | SH |  | SOLE |  | 0 | 0 | 130670 |
| ISHARES TR | IBONDS 27 ETF | 46435UAA9 | BBG00HPLJP02 | 4867191 | 199967 | SH |  | SOLE |  | 0 | 0 | 199967 |
| ISHARES TR | IBONDS 28 TR HI | 46436E387 | BBG015SSQPY4 | 7306675 | 306231 | SH |  | SOLE |  | 0 | 0 | 306231 |
| ISHARES TR | IBONDS 29 TR HI | 46436E379 | BBG015STX8Y2 | 1328445 | 55700 | SH |  | SOLE |  | 0 | 0 | 55700 |
| ISHARES TR | IBONDS DEC 2030 | 46436E726 | BBG00VJHRTY3 | 10985630 | 495965 | SH |  | SOLE |  | 0 | 0 | 495965 |
| ISHARES TR | IBONDS DEC 2031 | 46436E486 | BBG011HVQSJ9 | 10472660 | 493528 | SH |  | SOLE |  | 0 | 0 | 493528 |
| ISHARES TR | IBONDS DEC 2032 | 46436E312 | BBG018GV5WV5 | 7868338 | 307117 | SH |  | SOLE |  | 0 | 0 | 307117 |
| ISHARES TR | IBONDS DEC 29 | 46436E205 | BBG00Q79F703 | 11731969 | 499871 | SH |  | SOLE |  | 0 | 0 | 499871 |
| ISHARES TR | IBONDS DEC2026 | 46435GAA0 | BBG00DST7FD2 | 6712204 | 276222 | SH |  | SOLE |  | 0 | 0 | 276222 |
| ISHARES TR | IBONDS DEC25 ETF | 46434VBD1 | BBG0088JX9H8 | 201281 | 7991 | SH |  | SOLE |  | 0 | 0 | 7991 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 | BBG001ST0ZQ7 | 4295564 | 52908 | SH |  | SOLE |  | 0 | 0 | 52908 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 | BBG001S60QR6 | 2843752 | 25511 | SH |  | SOLE |  | 0 | 0 | 25511 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 | BBG001S7Y5C9 | 833741 | 22811 | SH |  | SOLE |  | 0 | 0 | 22811 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 | BBG001SJ8F58 | 883580 | 3259 | SH |  | SOLE |  | 0 | 0 | 3259 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 8282857 | 88710 | SH |  | SOLE |  | 0 | 0 | 88710 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 | BBG001SK77D5 | 423623 | 7933 | SH |  | SOLE |  | 0 | 0 | 7933 |
| ISHARES TR | PFD AND INCM SEC | 464288687 | BBG001SNVWC8 | 318540 | 10074 | SH |  | SOLE |  | 0 | 0 | 10074 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 2003328 | 4277 | SH |  | SOLE |  | 0 | 0 | 4277 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 | BBG001S562F8 | 1853638 | 5792 | SH |  | SOLE |  | 0 | 0 | 5792 |
| ISHARES TR | RUS MID CAP ETF | 464287499 | BBG001SJCNS1 | 810551 | 8395 | SH |  | SOLE |  | 0 | 0 | 8395 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 | BBG001SFC7Y7 | 853988 | 3529 | SH |  | SOLE |  | 0 | 0 | 3529 |
| ISHARES TR | S 500 GRWT ETF | 464287309 | BBG001S561Q8 | 19590788 | 162283 | SH |  | SOLE |  | 0 | 0 | 162283 |
| ISHARES TR | S 500 VAL ETF | 464287408 | BBG001S561K4 | 20849680 | 100962 | SH |  | SOLE |  | 0 | 0 | 100962 |
| ISHARES TR | S MC 400GR ETF | 464287606 | BBG001SFQL08 | 3227267 | 33656 | SH |  | SOLE |  | 0 | 0 | 33656 |
| ISHARES TR | S MC 400VL ETF | 464287705 | BBG001SFQJM9 | 5569328 | 42933 | SH |  | SOLE |  | 0 | 0 | 42933 |
| ISHARES TR | S SML 600 GWT | 464287887 | BBG001SFQL44 | 1827184 | 12913 | SH |  | SOLE |  | 0 | 0 | 12913 |
| ISHARES TR | SELECT DIVID ETF | 464287168 | BBG001SDJVG2 | 5166952 | 36361 | SH |  | SOLE |  | 0 | 0 | 36361 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 | BBG001SFQL26 | 6294237 | 56915 | SH |  | SOLE |  | 0 | 0 | 56915 |
| ISHARES TR | U.S. ENERGY ETF | 464287796 | BBG001SFGXW8 | 731713 | 15398 | SH |  | SOLE |  | 0 | 0 | 15398 |
| ISHARES TR | U.S. FINLS ETF | 464287788 | BBG001SFC802 | 792911 | 6261 | SH |  | SOLE |  | 0 | 0 | 6261 |
| ISHARES TR | US AER DEF ETF | 464288760 | BBG001SC08P5 | 311837 | 1490 | SH |  | SOLE |  | 0 | 0 | 1490 |
| ISHARES U S ETF TR | U.S. TECH INDEPD | 46431W648 | BBG00KDZS4F8 | 1089326 | 10687 | SH |  | SOLE |  | 0 | 0 | 10687 |
| ISHARES U S ETF TR | US CONSUMER FOC | 46431W663 | BBG00KDZR0N8 | 324334 | 5761 | SH |  | SOLE |  | 0 | 0 | 5761 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 1837154 | 9908 | SH |  | SOLE |  | 0 | 0 | 9908 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 4914513 | 15580 | SH |  | SOLE |  | 0 | 0 | 15580 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 653965 | 1310 | SH |  | SOLE |  | 0 | 0 | 1310 |
| LOWES COS INC | COM | 548661107 | BBG001S5SVL3 | 1866242 | 7426 | SH |  | SOLE |  | 0 | 0 | 7426 |
| MAPLEBEAR INC | COM | 565394103 | BBG00KG5VJG3 | 332163 | 9036 | SH |  | SOLE |  | 0 | 0 | 9036 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 1489061 | 4900 | SH |  | SOLE |  | 0 | 0 | 4900 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 466433 | 5557 | SH |  | SOLE |  | 0 | 0 | 5557 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 352022 | 479 | SH |  | SOLE |  | 0 | 0 | 479 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 6608662 | 12759 | SH |  | SOLE |  | 0 | 0 | 12759 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 1321919 | 7085 | SH |  | SOLE |  | 0 | 0 | 7085 |
| OCCIDENTAL PETE CORP | COM | 674599105 | BBG001S5TZG9 | 318654 | 6744 | SH |  | SOLE |  | 0 | 0 | 6744 |
| OMEGA HEALTHCARE INVS INC | COM | 681936100 | BBG001S736L1 | 235304 | 5573 | SH |  | SOLE |  | 0 | 0 | 5573 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 1200895 | 4270 | SH |  | SOLE |  | 0 | 0 | 4270 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 252800 | 1800 | SH |  | SOLE |  | 0 | 0 | 1800 |
| PERMIAN BASIN RTY TR | UNIT BEN INT | 714236106 | BBG001S5V1N3 | 224598 | 12300 | SH |  | SOLE |  | 0 | 0 | 12300 |
| PFIZER INC | COM | 717081103 | BBG001S5V466 | 838751 | 32918 | SH |  | SOLE |  | 0 | 0 | 32918 |
| PRICESMART INC | COM | 741511109 | BBG001SB78V3 | 201660 | 1664 | SH |  | SOLE |  | 0 | 0 | 1664 |
| PROSHARES TR | ULTRAPRO QQQ | 74347X831 | BBG001T6S396 | 354869 | 3432 | SH |  | SOLE |  | 0 | 0 | 3432 |
| RTX CORPORATION | COM | 75513E101 | BBG001S5X5Q9 | 2032953 | 12149 | SH |  | SOLE |  | 0 | 0 | 12149 |
| SCHWAB CHARLES CORP | COM | 808513105 | BBG001S5VXD4 | 935836 | 9802 | SH |  | SOLE |  | 0 | 0 | 9802 |
| SCHWAB STRATEGIC TR | 1000 INDEX ETF | 808524722 | BBG00HXSKY16 | 281114 | 8752 | SH |  | SOLE |  | 0 | 0 | 8752 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | BBG001T6L7D9 | 224714 | 6734 | SH |  | SOLE |  | 0 | 0 | 6734 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | BBG001T5XQY3 | 999358 | 42928 | SH |  | SOLE |  | 0 | 0 | 42928 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | BBG001T5XQT9 | 996302 | 38752 | SH |  | SOLE |  | 0 | 0 | 38752 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 802524 | 29396 | SH |  | SOLE |  | 0 | 0 | 29396 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | BBG001T66WN0 | 532230 | 16679 | SH |  | SOLE |  | 0 | 0 | 16679 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 | BBG001T66WQ7 | 835973 | 28718 | SH |  | SOLE |  | 0 | 0 | 28718 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 1681553 | 63840 | SH |  | SOLE |  | 0 | 0 | 63840 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 | BBG001V036R6 | 1950590 | 65809 | SH |  | SOLE |  | 0 | 0 | 65809 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | BBG001T5XQW5 | 1291527 | 46291 | SH |  | SOLE |  | 0 | 0 | 46291 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 | BBG00L5F9FV7 | 301488 | 2547 | SH |  | SOLE |  | 0 | 0 | 2547 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 | BBG001S7T1S7 | 969666 | 10854 | SH |  | SOLE |  | 0 | 0 | 10854 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 | BBG001S7T223 | 1793926 | 33301 | SH |  | SOLE |  | 0 | 0 | 33301 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 | BBG001S7T1Q9 | 331182 | 1382 | SH |  | SOLE |  | 0 | 0 | 1382 |
| SNAP ON INC | COM | 833034101 | BBG001S5W688 | 648704 | 1872 | SH |  | SOLE |  | 0 | 0 | 1872 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 403814 | 1136 | SH |  | SOLE |  | 0 | 0 | 1136 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 3233583 | 4854 | SH |  | SOLE |  | 0 | 0 | 4854 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 | BBG001SPT9T9 | 294814 | 5155 | SH |  | SOLE |  | 0 | 0 | 5155 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 | BBG001SPTB87 | 468082 | 5975 | SH |  | SOLE |  | 0 | 0 | 5975 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 | BBG004T58LZ5 | 250082 | 5399 | SH |  | SOLE |  | 0 | 0 | 5399 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 | BBG001SD7RB9 | 365680 | 3499 | SH |  | SOLE |  | 0 | 0 | 3499 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 | BBG001SG4284 | 862998 | 15597 | SH |  | SOLE |  | 0 | 0 | 15597 |
| SPDR SERIES TRUST | SPDR S 500 ETF | 78468R796 | BBG00BKMB118 | 320434 | 5842 | SH |  | SOLE |  | 0 | 0 | 5842 |
| STRYKER CORPORATION | COM | 863667101 | BBG001S8FR03 | 347120 | 939 | SH |  | SOLE |  | 0 | 0 | 939 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 429600 | 966 | SH |  | SOLE |  | 0 | 0 | 966 |
| THE CIGNA GROUP | COM | 125523100 | BBG00KXRCDQ9 | 320822 | 1113 | SH |  | SOLE |  | 0 | 0 | 1113 |
| TRAVELERS COMPANIES INC | COM | 89417E109 | BBG001S5R103 | 254369 | 911 | SH |  | SOLE |  | 0 | 0 | 911 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 | BBG001TC6MR5 | 443446 | 4014 | SH |  | SOLE |  | 0 | 0 | 4014 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 2842422 | 5927 | SH |  | SOLE |  | 0 | 0 | 5927 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 | BBG001SHTTQ6 | 8469584 | 27511 | SH |  | SOLE |  | 0 | 0 | 27511 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | BBG001SRN7S6 | 1109687 | 3777 | SH |  | SOLE |  | 0 | 0 | 3777 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 | BBG001SRN7W1 | 1400128 | 8020 | SH |  | SOLE |  | 0 | 0 | 8020 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 2049561 | 6977 | SH |  | SOLE |  | 0 | 0 | 6977 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 | BBG001SMD2X3 | 202646 | 2217 | SH |  | SOLE |  | 0 | 0 | 2217 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 837766 | 1368 | SH |  | SOLE |  | 0 | 0 | 1368 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 1658748 | 6523 | SH |  | SOLE |  | 0 | 0 | 6523 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | BBG001SHTTW9 | 1283965 | 4314 | SH |  | SOLE |  | 0 | 0 | 4314 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 11459702 | 34920 | SH |  | SOLE |  | 0 | 0 | 34920 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 2318045 | 12430 | SH |  | SOLE |  | 0 | 0 | 12430 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | BBG001SP7T00 | 2872674 | 40250 | SH |  | SOLE |  | 0 | 0 | 40250 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 | BBG001T2YZG9 | 4908430 | 35620 | SH |  | SOLE |  | 0 | 0 | 35620 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 346485 | 1606 | SH |  | SOLE |  | 0 | 0 | 1606 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 5878233 | 98101 | SH |  | SOLE |  | 0 | 0 | 98101 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 | BBG001SHTTR5 | 411928 | 552 | SH |  | SOLE |  | 0 | 0 | 552 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 274470 | 804 | SH |  | SOLE |  | 0 | 0 | 804 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 937283 | 9095 | SH |  | SOLE |  | 0 | 0 | 9095 |
| WELLS FARGO CO NEW | COM | 949746101 | BBG001S5XF23 | 249113 | 2972 | SH |  | SOLE |  | 0 | 0 | 2972 |
| WNS HLDGS LTD | COM SHS | G98196101 | BBG01M1K52F8 | 258784 | 3393 | SH |  | SOLE |  | 0 | 0 | 3393 |
| YUM BRANDS INC | COM | 988498101 | BBG001S7JQ30 | 737352 | 4851 | SH |  | SOLE |  | 0 | 0 | 4851 |
| ZIONS BANCORPORATION N A | COM | 989701107 | BBG001S5XN80 | 1163737 | 20568 | SH |  | SOLE |  | 0 | 0 | 20568 |

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