# EDGAR Filing Document

**Accession Number:** 0001810720
**File Stem:** 0001810720-26-000002
**Filing Date:** 2026-1
**Character Count:** 24964
**Document Hash:** 9039dddf6b3350850ae487fc840f22ef
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001810720-26-000002.hdr.sgml**: 20260123

**ACCESSION NUMBER**: 0001810720-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260123

**DATE AS OF CHANGE**: 20260123

**EFFECTIVENESS DATE**: 20260123

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Charter Oak Capital Management, LLC
- **CENTRAL INDEX KEY:** 0001810720

**ORGANIZATION NAME:**
- **EIN:** 263694779
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20761
- **FILM NUMBER:** 26555604

**BUSINESS ADDRESS:**
- **STREET 1:** TWO INTERNATIONAL DRIVE, SUITE 325
- **CITY:** PORTSMOUTH
- **STATE:** NH
- **ZIP:** 03801
- **BUSINESS PHONE:** 8006465720

**MAIL ADDRESS:**
- **STREET 1:** TWO INTERNATIONAL DRIVE, SUITE 325
- **CITY:** PORTSMOUTH
- **STATE:** NH
- **ZIP:** 03801

### 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:** Charter Oak Capital Management LLC<br>**Address:** TWO INTERNATIONAL DRIVE SUITE 325<br>PORTSMOUTH, NH 03801

**Form 13F File Number:** 028-20761

**CRD Number (if applicable):** 000120870

**SEC File Number (if applicable):** 801-64808

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:** DEANNA B. HUTCHINSON<br>**Title:** CCO<br>**Phone:** 800-646-5720

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

DEANNA B. HUTCHINSON  PORTSMOUTH, NH  01-23-2026<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:** 211

**Form 13F Information Table Value Total:** $1311044371

      (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 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 200702 | 1422 | SH |  | SOLE |  | 530 | 0 | 892 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 202363 | 2148 | SH |  | SOLE |  | 510 | 0 | 1638 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 204233 | 607 | SH |  | SOLE |  | 258 | 0 | 349 |
| CHUBB LIMITED | COM | H1467J104 |  | 205688 | 659 | SH |  | SOLE |  | 0 | 0 | 659 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 207037 | 2199 | SH |  | SOLE |  | 1440 | 0 | 759 |
| GENERAL MLS INC | COM | 370334104 |  | 207576 | 4464 | SH |  | SOLE |  | 3764 | 0 | 700 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 209675 | 2583 | SH |  | SOLE |  | 1034 | 0 | 1549 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 |  | 210952 | 1516 | SH |  | SOLE |  | 902 | 0 | 614 |
| FIDELITY COVINGTON TRUST | MSCI INFO TECH I | 316092808 |  | 212581 | 946 | SH |  | SOLE |  | 7 | 0 | 939 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 214846 | 1833 | SH |  | SOLE |  | 1441 | 0 | 392 |
| FIRST TR EXCHANGE TRADED FD | NASDQ CLN EDGE | 33737A108 |  | 215759 | 1410 | SH |  | SOLE |  | 1410 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET ENE | 81369Y506 |  | 216999 | 4853 | SH |  | SOLE |  | 1840 | 0 | 3013 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 224163 | 5075 | SH |  | SOLE |  | 2213 | 0 | 2862 |
| EMERSON ELEC CO | COM | 291011104 |  | 225520 | 1699 | SH |  | SOLE |  | 1310 | 0 | 389 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 229459 | 266 | SH |  | SOLE |  | 98 | 0 | 168 |
| REALTY INCOME CORP | COM | 756109104 |  | 230015 | 4080 | SH |  | SOLE |  | 2379 | 0 | 1701 |
| EVERSOURCE ENERGY | COM | 30040W108 |  | 234121 | 3477 | SH |  | SOLE |  | 1400 | 0 | 2077 |
| OTIS WORLDWIDE CORP | COM | 68902V107 |  | 234476 | 2684 | SH |  | SOLE |  | 1803 | 0 | 881 |
| IRON MTN INC DEL | COM | 46284V101 |  | 237403 | 2862 | SH |  | SOLE |  | 2290 | 0 | 572 |
| 3M CO | COM | 88579Y101 |  | 246267 | 1538 | SH |  | SOLE |  | 1233 | 0 | 305 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 246924 | 2127 | SH |  | SOLE |  | 601 | 0 | 1526 |
| ISHARES TR | TRUST ISHARE 0-1 | 464288679 |  | 248464 | 2256 | SH |  | SOLE |  | 2242 | 0 | 14 |
| ISHARES TR | ESG AWR MSCI USA | 46436E221 |  | 249720 | 7794 | SH |  | SOLE |  | 5000 | 0 | 2794 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 253729 | 2867 | SH |  | SOLE |  | 1605 | 0 | 1262 |
| NUSHARES ETF TR | NUVEEN ESG EMRGN | 67092P888 |  | 254184 | 7144 | SH |  | SOLE |  | 0 | 0 | 7144 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 254658 | 990 | SH |  | SOLE |  | 114 | 0 | 876 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 256809 | 648 | SH |  | SOLE |  | 129 | 0 | 519 |
| VANGUARD SCOTTSDALE FDS | TOTAL WLD BD ETF | 92206C565 |  | 259118 | 3770 | SH |  | SOLE |  | 3458 | 0 | 312 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 259393 | 458 | SH |  | SOLE |  | 435 | 0 | 23 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 268793 | 3563 | SH |  | OTR |  | 0 | 0 | 3563 |
| ISHARES TR | ESG SELECT SCRE | 46436E551 |  | 269731 | 6041 | SH |  | SOLE |  | 6041 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 271581 | 734 | SH |  | SOLE |  | 160 | 0 | 574 |
| PFIZER INC | COM | 717081103 |  | 272068 | 10926 | SH |  | SOLE |  | 8748 | 0 | 2178 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 273259 | 8523 | SH |  | SOLE |  | 5527 | 0 | 2996 |
| ISHARES TR | ESG SELECT SCREE | 46436E544 |  | 275621 | 6473 | SH |  | SOLE |  | 1475 | 0 | 4998 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 280980 | 3355 | SH |  | SOLE |  | 2259 | 0 | 1096 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 282141 | 5547 | SH |  | SOLE |  | 4613 | 0 | 934 |
| VANGUARD WORLD FD | INDUSTRIAL ETF | 92204A603 |  | 282865 | 948 | SH |  | SOLE |  | 482 | 0 | 466 |
| FIDELITY COVINGTON TRUST | MSCI ENERGY IDX | 316092402 |  | 288464 | 11646 | SH |  | SOLE |  | 2257 | 0 | 9389 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 289464 | 1805 | SH |  | SOLE |  | 433 | 0 | 1372 |
| CORNING INC | COM | 219350105 |  | 291750 | 3332 | SH |  | SOLE |  | 1327 | 0 | 2005 |
| NETFLIX INC | COM | 64110L106 |  | 293020 | 3125 | SH |  | SOLE |  | 2210 | 0 | 915 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 294732 | 7236 | SH |  | SOLE |  | 3084 | 0 | 4152 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 |  | 304013 | 5949 | SH |  | SOLE |  | 5926 | 0 | 23 |
| AMGEN INC | COM | 031162100 |  | 309252 | 945 | SH |  | SOLE |  | 389 | 0 | 556 |
| ISHARES TR | CORE S ETF | 464287200 |  | 310963 | 454 | SH |  | OTR |  | 0 | 0 | 454 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 316373 | 3153 | SH |  | SOLE |  | 1939 | 0 | 1214 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 317513 | 2889 | SH |  | SOLE |  | 2889 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 319303 | 2807 | SH |  | SOLE |  | 1495 | 0 | 1312 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 319901 | 3577 | SH |  | SOLE |  | 1877 | 0 | 1700 |
| THE CIGNA GROUP | COM | 125523100 |  | 332478 | 1208 | SH |  | SOLE |  | 543 | 0 | 665 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 334406 | 1100 | SH |  | SOLE |  | 1024 | 0 | 76 |
| AFLAC INC | COM | 001055102 |  | 341137 | 3094 | SH |  | SOLE |  | 1829 | 0 | 1265 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 |  | 347997 | 1647 | SH |  | SOLE |  | 87 | 0 | 1560 |
| BLACKROCK INC | COM | 09290D101 |  | 349917 | 327 | SH |  | SOLE |  | 25 | 0 | 302 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 356529 | 990 | SH |  | SOLE |  | 0 | 0 | 990 |
| PROSHARES TR | PSHS ULT S 500 | 74347R107 |  | 357944 | 6180 | SH |  | SOLE |  | 3000 | 0 | 3180 |
| LOWES COS INC | COM | 548661107 |  | 358871 | 1488 | SH |  | SOLE |  | 1012 | 0 | 476 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 359082 | 1482 | SH |  | SOLE |  | 119 | 0 | 1363 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 362717 | 15753 | SH |  | SOLE |  | 13574 | 0 | 2179 |
| ISHARES TR | U.S. FIN SVC ETF | 464287770 |  | 365555 | 3963 | SH |  | SOLE |  | 0 | 0 | 3963 |
| FIDELITY COVINGTON TRUST | MSCI COMMNTN SVC | 316092873 |  | 371530 | 5070 | SH |  | SOLE |  | 1958 | 0 | 3112 |
| TEXTRON INC | COM | 883203101 |  | 371606 | 4263 | SH |  | SOLE |  | 0 | 0 | 4263 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A672 |  | 371906 | 12895 | SH |  | SOLE |  | 0 | 0 | 12895 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 383749 | 1162 | SH |  | SOLE |  | 501 | 0 | 661 |
| YUM CHINA HLDGS INC | COM | 98850P109 |  | 384355 | 8051 | SH |  | SOLE |  | 8029 | 0 | 22 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y407 |  | 389038 | 3258 | SH |  | SOLE |  | 3258 | 0 | 0 |
| ISHARES TR | U.S. FINLS ETF | 464287788 |  | 391509 | 3037 | SH |  | SOLE |  | 2442 | 0 | 595 |
| BANK AMERICA CORP | COM | 060505104 |  | 396096 | 7202 | SH |  | SOLE |  | 4137 | 0 | 3065 |
| BOEING CO | COM | 097023105 |  | 396477 | 1826 | SH |  | SOLE |  | 679 | 0 | 1147 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 418953 | 3911 | SH |  | SOLE |  | 3806 | 0 | 105 |
| AT INC | COM | 00206R102 |  | 419474 | 16887 | SH |  | SOLE |  | 13140 | 0 | 3747 |
| ALLSTATE CORP | COM | 020002101 |  | 428894 | 2061 | SH |  | SOLE |  | 597 | 0 | 1464 |
| GE AEROSPACE | COM NEW | 369604301 |  | 432020 | 1403 | SH |  | SOLE |  | 920 | 0 | 483 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 432207 | 8545 | SH |  | SOLE |  | 1705 | 0 | 6840 |
| FIDELITY COMWLTH TR | NASDAQ COMPSIT | 315912808 |  | 454405 | 4972 | SH |  | SOLE |  | 3422 | 0 | 1550 |
| SELECT SECTOR SPDR TR | STATE STREET COM | 81369Y852 |  | 472882 | 4017 | SH |  | SOLE |  | 3254 | 0 | 763 |
| SI-BONE INC | COM | 825704109 |  | 473340 | 24003 | SH |  | SOLE |  | 0 | 0 | 24003 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 474612 | 3512 | SH |  | SOLE |  | 664 | 0 | 2848 |
| ISHARES INC | MSCI CDA ETF | 464286509 |  | 476580 | 8837 | SH |  | SOLE |  | 8405 | 0 | 432 |
| HONEYWELL INTL INC | COM | 438516106 |  | 478556 | 2453 | SH |  | SOLE |  | 1271 | 0 | 1182 |
| ORACLE CORP | COM | 68389X105 |  | 484013 | 2483 | SH |  | SOLE |  | 667 | 0 | 1816 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 490427 | 2290 | SH |  | SOLE |  | 652 | 0 | 1638 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 494356 | 6200 | SH |  | SOLE |  | 2185 | 0 | 4015 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 501041 | 3480 | SH |  | SOLE |  | 2576 | 0 | 904 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 502027 | 4177 | SH |  | SOLE |  | 2346 | 0 | 1831 |
| COCA COLA CO | COM | 191216100 |  | 504613 | 7218 | SH |  | SOLE |  | 4506 | 0 | 2712 |
| ABBOTT LABS | COM | 002824100 |  | 510618 | 4075 | SH |  | SOLE |  | 2903 | 0 | 1172 |
| PIMCO ETF TR | 0-5 HIGH YIELD | 72201R783 |  | 520949 | 5494 | SH |  | SOLE |  | 5262 | 0 | 232 |
| ISHARES TR | CORE MSCI EURO | 46434V738 |  | 555525 | 7826 | SH |  | SOLE |  | 6082 | 0 | 1744 |
| TJX COS INC NEW | COM | 872540109 |  | 567585 | 3695 | SH |  | SOLE |  | 587 | 0 | 3108 |
| META PLATFORMS INC | CL A | 30303M102 |  | 585887 | 888 | SH |  | SOLE |  | 243 | 0 | 645 |
| CHEVRON CORP NEW | COM | 166764100 |  | 600135 | 3938 | SH |  | SOLE |  | 2599 | 0 | 1339 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A847 |  | 600379 | 10367 | SH |  | SOLE |  | 7988 | 0 | 2379 |
| MARKEL GROUP INC | COM | 570535104 |  | 604052 | 281 | SH |  | SOLE |  | 0 | 0 | 281 |
| INTUIT | COM | 461202103 |  | 606115 | 915 | SH |  | SOLE |  | 0 | 0 | 915 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 609138 | 1935 | SH |  | SOLE |  | 632 | 0 | 1303 |
| FIDELITY COVINGTON TRUST | MSCI CONSM DIS | 316092204 |  | 625275 | 6121 | SH |  | SOLE |  | 1257 | 0 | 4864 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 633939 | 1293 | SH |  | SOLE |  | 1100 | 0 | 193 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 |  | 648172 | 10187 | SH |  | SOLE |  | 3555 | 0 | 6632 |
| CISCO SYS INC | COM | 17275R102 |  | 657544 | 8536 | SH |  | SOLE |  | 5972 | 0 | 2564 |
| ISHARES TR | US INDUSTRIALS | 464287754 |  | 670035 | 4522 | SH |  | SOLE |  | 2522 | 0 | 2000 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 694929 | 12688 | SH |  | SOLE |  | 6759 | 0 | 5929 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 695415 | 1218 | SH |  | SOLE |  | 421 | 0 | 797 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 707584 | 1495 | SH |  | SOLE |  | 695 | 0 | 800 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 736432 | 2486 | SH |  | SOLE |  | 1279 | 0 | 1207 |
| REGENERON PHARMACEUTICALS | COM | 75886F107 |  | 739452 | 958 | SH |  | SOLE |  | 0 | 0 | 958 |
| ISHARES TR | ESG MSCI LEADR | 46435U218 |  | 746880 | 6159 | SH |  | SOLE |  | 6159 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 754467 | 1501 | SH |  | SOLE |  | 0 | 0 | 1501 |
| PEPSICO INC | COM | 713448108 |  | 777063 | 5414 | SH |  | SOLE |  | 3030 | 0 | 2384 |
| DEERE  CO | COM | 244199105 |  | 782461 | 1681 | SH |  | SOLE |  | 1166 | 0 | 515 |
| INTEL CORP | COM | 458140100 |  | 799028 | 21654 | SH |  | SOLE |  | 18101 | 0 | 3553 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 800975 | 3808 | SH |  | SOLE |  | 1583 | 0 | 2225 |
| HOME DEPOT INC | COM | 437076102 |  | 807907 | 2348 | SH |  | SOLE |  | 1163 | 0 | 1185 |
| MCDONALDS CORP | COM | 580135101 |  | 815765 | 2669 | SH |  | SOLE |  | 1875 | 0 | 794 |
| CATERPILLAR INC | COM | 149123101 |  | 821203 | 1433 | SH |  | SOLE |  | 686 | 0 | 747 |
| YUM BRANDS INC | COM | 988498101 |  | 842306 | 5568 | SH |  | SOLE |  | 4376 | 0 | 1192 |
| WATSCO INC | COM | 942622200 |  | 859223 | 2550 | SH |  | SOLE |  | 2500 | 0 | 50 |
| QUALCOMM INC | COM | 747525103 |  | 887424 | 5188 | SH |  | SOLE |  | 2810 | 0 | 2378 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 900374 | 13642 | SH |  | SOLE |  | 9530 | 0 | 4112 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 926294 | 6230 | SH |  | SOLE |  | 2915 | 0 | 3315 |
| VISA INC | COM CL A | 92826C839 |  | 941400 | 2684 | SH |  | SOLE |  | 437 | 0 | 2247 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 966035 | 14371 | SH |  | SOLE |  | 10757 | 0 | 3614 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 994078 | 1716 | SH |  | SOLE |  | 449 | 0 | 1267 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 1000855 | 3880 | SH |  | SOLE |  | 812 | 0 | 3068 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 1003141 | 4673 | SH |  | SOLE |  | 2793 | 0 | 1880 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 1006708 | 11186 | SH |  | SOLE |  | 735 | 0 | 10451 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 1020973 | 12718 | SH |  | SOLE |  | 7913 | 0 | 4805 |
| ISHARES TR | RUSEL 2500 ETF | 46435G268 |  | 1027878 | 13716 | SH |  | SOLE |  | 10659 | 0 | 3057 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 1045422 | 1387 | SH |  | SOLE |  | 624 | 0 | 763 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1048453 | 4259 | SH |  | SOLE |  | 2420 | 0 | 1839 |
| APPLIED MATLS INC | COM | 038222105 |  | 1067133 | 4152 | SH |  | SOLE |  | 4069 | 0 | 83 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1137374 | 1851 | SH |  | SOLE |  | 582 | 0 | 1269 |
| TESLA INC | COM | 88160R101 |  | 1141112 | 2537 | SH |  | SOLE |  | 484 | 0 | 2053 |
| MERCK  CO INC | COM | 58933Y105 |  | 1177007 | 11182 | SH |  | SOLE |  | 7452 | 0 | 3730 |
| ELI LILLY  CO | COM | 532457108 |  | 1178863 | 1097 | SH |  | SOLE |  | 495 | 0 | 602 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 1189930 | 6431 | SH |  | SOLE |  | 4238 | 0 | 2193 |
| WALMART INC | COM | 931142103 |  | 1196463 | 10739 | SH |  | SOLE |  | 3127 | 0 | 7612 |
| FIDELITY COVINGTON TRUST | MSCI HLTH CARE I | 316092600 |  | 1229186 | 16548 | SH |  | SOLE |  | 9603 | 0 | 6945 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1241796 | 2470 | SH |  | SOLE |  | 911 | 0 | 1559 |
| CELESTICA INC | COM | 15101Q207 |  | 1331428 | 4504 | SH |  | SOLE |  | 0 | 0 | 4504 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 1335582 | 4640 | SH |  | SOLE |  | 2814 | 0 | 1826 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1371272 | 25507 | SH |  | SOLE |  | 19914 | 0 | 5593 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1412471 | 4513 | SH |  | SOLE |  | 1701 | 0 | 2812 |
| TEXAS INSTRS INC | COM | 882508104 |  | 1451047 | 8364 | SH |  | SOLE |  | 0 | 0 | 8364 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 1451866 | 17530 | SH |  | SOLE |  | 15871 | 0 | 1659 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1465989 | 12182 | SH |  | SOLE |  | 4741 | 0 | 7441 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1488405 | 10386 | SH |  | SOLE |  | 8021 | 0 | 2365 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 1504769 | 30867 | SH |  | SOLE |  | 25511 | 0 | 5356 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 1547557 | 10971 | SH |  | SOLE |  | 8606 | 0 | 2365 |
| BROADCOM INC | COM | 11135F101 |  | 1548646 | 4475 | SH |  | SOLE |  | 533 | 0 | 3942 |
| ISHARES TR | ESG ADVANCED UNI | 46436E619 |  | 1550593 | 35313 | SH |  | SOLE |  | 14735 | 0 | 20578 |
| VANGUARD INTL EQUITY INDEX F | FTSE PACIFIC ETF | 922042866 |  | 1570068 | 17368 | SH |  | SOLE |  | 16369 | 0 | 999 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 1595180 | 7989 | SH |  | SOLE |  | 4962 | 0 | 3027 |
| IDEXX LABS INC | COM | 45168D104 |  | 1598641 | 2363 | SH |  | SOLE |  | 1667 | 0 | 696 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 1654823 | 11108 | SH |  | SOLE |  | 10738 | 0 | 370 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 1670096 | 17386 | SH |  | SOLE |  | 16277 | 0 | 1109 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1706231 | 5437 | SH |  | SOLE |  | 1532 | 0 | 3905 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 1712755 | 73243 | SH |  | SOLE |  | 14417 | 0 | 58826 |
| TE CONNECTIVITY PLC | ORD SHS | G87052109 |  | 1721282 | 7566 | SH |  | SOLE |  | 7387 | 0 | 179 |
| SALESFORCE INC | COM | 79466L302 |  | 1740563 | 6570 | SH |  | SOLE |  | 1799 | 0 | 4771 |
| RTX CORPORATION | COM | 75513E101 |  | 1779029 | 9700 | SH |  | SOLE |  | 5184 | 0 | 4516 |
| AMAZON COM INC | COM | 023135106 |  | 1823536 | 7900 | SH |  | SOLE |  | 2337 | 0 | 5563 |
| ABBVIE INC | COM | 00287Y109 |  | 1918653 | 8397 | SH |  | SOLE |  | 6362 | 0 | 2035 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1964498 | 21960 | SH |  | SOLE |  | 10630 | 0 | 11330 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2002777 | 10739 | SH |  | SOLE |  | 2121 | 0 | 8618 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 2015488 | 15645 | SH |  | SOLE |  | 15595 | 0 | 50 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 2214417 | 10609 | SH |  | SOLE |  | 0 | 0 | 10609 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 2374641 | 24973 | SH |  | SOLE |  | 22915 | 0 | 2058 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 2627743 | 57150 | SH |  | SOLE |  | 47086 | 0 | 10064 |
| DIREXION SHS ETF TR | DRX S | 25459W862 |  | 2713727 | 12301 | SH |  | SOLE |  | 4271 | 0 | 8030 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 2809222 | 15824 | SH |  | SOLE |  | 171 | 0 | 15653 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 2828365 | 33828 | SH |  | SOLE |  | 27781 | 0 | 6047 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 2850504 | 13774 | SH |  | SOLE |  | 8643 | 0 | 5131 |
| ISHARES TR | 0-5YR INVT GR CP | 46434V100 |  | 2934669 | 57883 | SH |  | SOLE |  | 52147 | 0 | 5736 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 3036853 | 48863 | SH |  | SOLE |  | 40496 | 0 | 8367 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 3217907 | 9987 | SH |  | SOLE |  | 5550 | 0 | 4437 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 3468315 | 24166 | SH |  | SOLE |  | 11979 | 0 | 12187 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 3567999 | 74566 | SH |  | SOLE |  | 59790 | 0 | 14776 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 |  | 3644768 | 144404 | SH |  | SOLE |  | 94805 | 0 | 49599 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 3754645 | 60103 | SH |  | SOLE |  | 44504 | 0 | 15599 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 3864895 | 17585 | SH |  | SOLE |  | 10307 | 0 | 7278 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 4154531 | 12392 | SH |  | SOLE |  | 5458 | 0 | 6934 |
| ANALOG DEVICES INC | COM | 032654105 |  | 4190672 | 15452 | SH |  | SOLE |  | 0 | 0 | 15452 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 |  | 4222207 | 40211 | SH |  | SOLE |  | 32870 | 0 | 7341 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 4436706 | 9094 | SH |  | SOLE |  | 5839 | 0 | 3255 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 4465548 | 6548 | SH |  | SOLE |  | 3885 | 0 | 2663 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 4731994 | 24776 | SH |  | SOLE |  | 10461 | 0 | 14315 |
| MICROSOFT CORP | COM | 594918104 |  | 4868770 | 10067 | SH |  | SOLE |  | 5635 | 0 | 4432 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 5451494 | 25706 | SH |  | SOLE |  | 19907 | 0 | 5799 |
| NUSHARES ETF TR | NUVEEN ESG US | 67092P870 |  | 6043607 | 270347 | SH |  | SOLE |  | 218431 | 0 | 51916 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 6408076 | 52977 | SH |  | SOLE |  | 36508 | 0 | 16469 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 8042460 | 108579 | SH |  | SOLE |  | 93291 | 0 | 15288 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 8314985 | 67459 | SH |  | SOLE |  | 61091 | 0 | 6368 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 9065967 | 135051 | SH |  | SOLE |  | 118846 | 0 | 16205 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 9219911 | 89915 | SH |  | SOLE |  | 61670 | 0 | 28245 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 10032344 | 71996 | SH |  | SOLE |  | 59331 | 0 | 12665 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 11257196 | 157179 | SH |  | SOLE |  | 111121 | 0 | 46058 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 11446588 | 80900 | SH |  | SOLE |  | 72451 | 0 | 8449 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 12849372 | 242991 | SH |  | SOLE |  | 207165 | 0 | 35826 |
| APPLE INC | COM | 037833100 |  | 21332093 | 78467 | SH |  | SOLE |  | 32955 | 0 | 45512 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 28831595 | 578483 | SH |  | SOLE |  | 349628 | 0 | 228855 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 30058665 | 47931 | SH |  | SOLE |  | 37076 | 0 | 10855 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 35108950 | 414803 | SH |  | SOLE |  | 341594 | 0 | 73209 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 37752608 | 513222 | SH |  | SOLE |  | 402418 | 0 | 110804 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 61643034 | 782173 | SH |  | SOLE |  | 505151 | 0 | 277022 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 74877909 | 358062 | SH |  | SOLE |  | 233020 | 0 | 125042 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 82326255 | 1527956 | SH |  | SOLE |  | 878521 | 0 | 649435 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 125225877 | 1659940 | SH |  | SOLE |  | 796104 | 0 | 863836 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 184751542 | 1849735 | SH |  | SOLE |  | 1150471 | 0 | 699264 |
| ISHARES TR | CORE S ETF | 464287200 |  | 337341243 | 492512 | SH |  | SOLE |  | 330977 | 0 | 161535 |

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