# EDGAR Filing Document

**Accession Number:** 0001873438
**File Stem:** 0001754960-25-000789
**Filing Date:** 2025-11
**Character Count:** 21531
**Document Hash:** 2f3105963667e5893ccc8a2a55189c44
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001754960-25-000789.hdr.sgml**: 20251113

**ACCESSION NUMBER**: 0001754960-25-000789

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251113

**DATE AS OF CHANGE**: 20251113

**EFFECTIVENESS DATE**: 20251113

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** XY Planning Network, Inc.
- **CENTRAL INDEX KEY:** 0001873438

**ORGANIZATION NAME:**
- **EIN:** 854378005
- **STATE OF INCORPORATION:** MT
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25418
- **FILM NUMBER:** 251479770

**BUSINESS ADDRESS:**
- **STREET 1:** 24 E MAIN ST
- **CITY:** BOZEMAN
- **STATE:** MT
- **ZIP:** 59715
- **BUSINESS PHONE:** 406-413-9200

**MAIL ADDRESS:**
- **STREET 1:** 24 E MAIN ST
- **CITY:** BOZEMAN
- **STATE:** MT
- **ZIP:** 59715

### 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:** XY Planning Network Inc.<br>**Address:** 24 E MAIN ST<br>BOZEMAN, MT 59715

**Form 13F File Number:** 028-25418

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:** Aryn Sands<br>**Title:** Agent<br>**Phone:** 844-844-3453

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

Aryn Sands  Reno, NV  11-13-2025<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:** 173

**Form 13F Information Table Value Total:** $293720357

      (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 |
| EA SERIES TRUST | US QUAN VALUE | 02072L102 |  | 951804 | 21627 | SH |  | SOLE |  | 0 | 0 | 21627 |
| EA SERIES TRUST | INTL QUAN VALUE | 02072L201 |  | 468440 | 16802 | SH |  | SOLE |  | 0 | 0 | 16802 |
| EA SERIES TRUST | INTL QUAN MOMNTM | 02072L300 |  | 497548 | 14651 | SH |  | SOLE |  | 0 | 0 | 14651 |
| EA SERIES TRUST | US QUAN MOMENTUM | 02072L409 |  | 1043579 | 16060 | SH |  | SOLE |  | 0 | 0 | 16060 |
| EA SERIES TRUST | ALPHA ARCHITECT | 02072L516 |  | 375438 | 4226 | SH |  | SOLE |  | 0 | 0 | 4226 |
| EA SERIES TRUST | ALPHA ARCH 1-3 | 02072L565 |  | 254206 | 2256 | SH |  | SOLE |  | 0 | 0 | 2256 |
| EA SERIES TRUST | FREEDOM 100 EM | 02072L607 |  | 355560 | 8801 | SH |  | SOLE |  | 0 | 0 | 8801 |
| EA SERIES TRUST | ALPHA ARCHITECT | 02072L631 |  | 749039 | 32867 | SH |  | SOLE |  | 0 | 0 | 32867 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 384132 | 2165 | SH |  | SOLE |  | 0 | 0 | 2165 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 454562 | 2579 | SH |  | SOLE |  | 0 | 0 | 2579 |
| AMAZON COM INC | COM | 023135106 |  | 1436566 | 6548 | SH |  | SOLE |  | 0 | 0 | 6548 |
| AMERICAN CENTY ETF TR | AVANTIS ALL INT | 025072174 |  | 211866 | 3244 | SH |  | SOLE |  | 0 | 0 | 3244 |
| AMERICAN CENTY ETF TR | EMERGING MKT VAL | 025072372 |  | 325394 | 6077 | SH |  | SOLE |  | 0 | 0 | 6077 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 530842 | 7745 | SH |  | SOLE |  | 0 | 0 | 7745 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 |  | 4806193 | 60623 | SH |  | SOLE |  | 0 | 0 | 60623 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 2256016 | 24764 | SH |  | SOLE |  | 0 | 0 | 24764 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 2046444 | 20298 | SH |  | SOLE |  | 0 | 0 | 20298 |
| ANGEL OAK FUNDS TRUST | OAK ULTRASHORT | 03463K752 |  | 2221545 | 43500 | SH |  | SOLE |  | 0 | 0 | 43500 |
| APPLE INC | COM | 037833100 |  | 3499303 | 17055 | SH |  | SOLE |  | 0 | 0 | 17055 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 835525 | 1720 | SH |  | SOLE |  | 0 | 0 | 1720 |
| BROADCOM INC | COM | 11135F101 |  | 979098 | 3552 | SH |  | SOLE |  | 0 | 0 | 3552 |
| CBOE GLOBAL MKTS INC | COM | 12503M108 |  | 1105415 | 4740 | SH |  | SOLE |  | 0 | 0 | 4740 |
| CME GROUP INC | COM | 12572Q105 |  | 2060362 | 7475 | SH |  | SOLE |  | 0 | 0 | 7475 |
| CATERPILLAR INC | COM | 149123101 |  | 281840 | 726 | SH |  | SOLE |  | 0 | 0 | 726 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 549714 | 555 | SH |  | SOLE |  | 0 | 0 | 555 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 463422 | 10940 | SH |  | SOLE |  | 0 | 0 | 10940 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 1062160 | 30725 | SH |  | SOLE |  | 0 | 0 | 30725 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 4498238 | 67117 | SH |  | SOLE |  | 0 | 0 | 67117 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 363023 | 5698 | SH |  | SOLE |  | 0 | 0 | 5698 |
| DIMENSIONAL ETF TRUST | GLOBAL CORE PLUS | 25434V583 |  | 1376635 | 25264 | SH |  | SOLE |  | 0 | 0 | 25264 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 1767369 | 34825 | SH |  | SOLE |  | 0 | 0 | 34825 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 3067548 | 56848 | SH |  | SOLE |  | 0 | 0 | 56848 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 1 | 25434V625 |  | 880950 | 13178 | SH |  | SOLE |  | 0 | 0 | 13178 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 5074233 | 189126 | SH |  | SOLE |  | 0 | 0 | 189126 |
| DIMENSIONAL ETF TRUST | GLOBAL SUSTAINA | 25434V674 |  | 369789 | 7053 | SH |  | SOLE |  | 0 | 0 | 7053 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 238229 | 6045 | SH |  | SOLE |  | 0 | 0 | 6045 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 16367336 | 456678 | SH |  | SOLE |  | 0 | 0 | 456678 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 1095359 | 27907 | SH |  | SOLE |  | 0 | 0 | 27907 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 870480 | 20588 | SH |  | SOLE |  | 0 | 0 | 20588 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 3188343 | 107424 | SH |  | SOLE |  | 0 | 0 | 107424 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 |  | 290513 | 9687 | SH |  | SOLE |  | 0 | 0 | 9687 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 2674990 | 81282 | SH |  | SOLE |  | 0 | 0 | 81282 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 5612835 | 180535 | SH |  | SOLE |  | 0 | 0 | 180535 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 4209627 | 143039 | SH |  | SOLE |  | 0 | 0 | 143039 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 212853 | 9073 | SH |  | SOLE |  | 0 | 0 | 9073 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 317942 | 8941 | SH |  | SOLE |  | 0 | 0 | 8941 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 |  | 838273 | 17674 | SH |  | SOLE |  | 0 | 0 | 17674 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 |  | 811785 | 19416 | SH |  | SOLE |  | 0 | 0 | 19416 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 3328867 | 69337 | SH |  | SOLE |  | 0 | 0 | 69337 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 9603562 | 227250 | SH |  | SOLE |  | 0 | 0 | 227250 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 4036337 | 137431 | SH |  | SOLE |  | 0 | 0 | 137431 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 324703 | 3012 | SH |  | SOLE |  | 0 | 0 | 3012 |
| META PLATFORMS INC | CL A | 30303M102 |  | 335260 | 454 | SH |  | SOLE |  | 0 | 0 | 454 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST US EQT | 33740U661 |  | 324841 | 8396 | SH |  | SOLE |  | 0 | 0 | 8396 |
| HOME DEPOT INC | COM | 437076102 |  | 312793 | 853 | SH |  | SOLE |  | 0 | 0 | 853 |
| INNOVATOR ETFS TRUST | US EQT ULTRA BF | 45782C300 |  | 208451 | 5153 | SH |  | SOLE |  | 0 | 0 | 5153 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1924883 | 3489 | SH |  | SOLE |  | 0 | 0 | 3489 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 764580 | 4207 | SH |  | SOLE |  | 0 | 0 | 4207 |
| INVESCO EXCHANGE TRADED FD T | S MDCP QUALITY | 46137V472 |  | 1108835 | 11287 | SH |  | SOLE |  | 0 | 0 | 11287 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 28 | 46138J643 |  | 507988 | 24792 | SH |  | SOLE |  | 0 | 0 | 24792 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 |  | 583495 | 29694 | SH |  | SOLE |  | 0 | 0 | 29694 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 624047 | 31970 | SH |  | SOLE |  | 0 | 0 | 31970 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 CB | 46138J825 |  | 638099 | 30856 | SH |  | SOLE |  | 0 | 0 | 30856 |
| ISHARES INC | MSCI GBL MIN VOL | 464286525 |  | 1790407 | 15100 | SH |  | SOLE |  | 0 | 0 | 15100 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 1021308 | 7563 | SH |  | SOLE |  | 0 | 0 | 7563 |
| ISHARES TR | CORE S ETF | 464287200 |  | 8107985 | 13058 | SH |  | SOLE |  | 0 | 0 | 13058 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 265933 | 1361 | SH |  | SOLE |  | 0 | 0 | 1361 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 220214 | 2464 | SH |  | SOLE |  | 0 | 0 | 2464 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 394267 | 2843 | SH |  | SOLE |  | 0 | 0 | 2843 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 963838 | 15541 | SH |  | SOLE |  | 0 | 0 | 15541 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 251961 | 742 | SH |  | SOLE |  | 0 | 0 | 742 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 2130027 | 22509 | SH |  | SOLE |  | 0 | 0 | 22509 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 3023086 | 8613 | SH |  | SOLE |  | 0 | 0 | 8613 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 228716 | 1320 | SH |  | SOLE |  | 0 | 0 | 1320 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1236348 | 11312 | SH |  | SOLE |  | 0 | 0 | 11312 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 335649 | 3156 | SH |  | SOLE |  | 0 | 0 | 3156 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1104354 | 10570 | SH |  | SOLE |  | 0 | 0 | 10570 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 310072 | 8985 | SH |  | SOLE |  | 0 | 0 | 8985 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 1308148 | 24794 | SH |  | SOLE |  | 0 | 0 | 24794 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 278803 | 1131 | SH |  | SOLE |  | 0 | 0 | 1131 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 678305 | 7226 | SH |  | SOLE |  | 0 | 0 | 7226 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 1455704 | 14145 | SH |  | SOLE |  | 0 | 0 | 14145 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 338919 | 4060 | SH |  | SOLE |  | 0 | 0 | 4060 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 1655927 | 26226 | SH |  | SOLE |  | 0 | 0 | 26226 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 1608681 | 41069 | SH |  | SOLE |  | 0 | 0 | 41069 |
| ISHARES TR | US SML CAP EQT | 46434V290 |  | 294427 | 4333 | SH |  | SOLE |  | 0 | 0 | 4333 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 |  | 1448680 | 58651 | SH |  | SOLE |  | 0 | 0 | 58651 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 810041 | 5987 | SH |  | SOLE |  | 0 | 0 | 5987 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 862668 | 9669 | SH |  | SOLE |  | 0 | 0 | 9669 |
| ISHARES TR | USD GRN BOND ETF | 46435U440 |  | 256769 | 5386 | SH |  | SOLE |  | 0 | 0 | 5386 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 1599561 | 15886 | SH |  | SOLE |  | 0 | 0 | 15886 |
| ISHARES TR | ESG EAFE ETF | 46436E759 |  | 1551140 | 20837 | SH |  | SOLE |  | 0 | 0 | 20837 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 231496 | 3782 | SH |  | SOLE |  | 0 | 0 | 3782 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 656279 | 2264 | SH |  | SOLE |  | 0 | 0 | 2264 |
| J P MORGAN EXCHANGE TRADED F | CORE PLUS BD ETF | 46641Q670 |  | 395822 | 8411 | SH |  | SOLE |  | 0 | 0 | 8411 |
| J P MORGAN EXCHANGE TRADED F | JPMORGAM LTD DUR | 46654Q773 |  | 436591 | 8359 | SH |  | SOLE |  | 0 | 0 | 8359 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 358658 | 2348 | SH |  | SOLE |  | 0 | 0 | 2348 |
| MICROSOFT CORP | COM | 594918104 |  | 872229 | 1754 | SH |  | SOLE |  | 0 | 0 | 1754 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 233687 | 1659 | SH |  | SOLE |  | 0 | 0 | 1659 |
| NETFLIX INC | COM | 64110L106 |  | 212922 | 159 | SH |  | SOLE |  | 0 | 0 | 159 |
| NORTHERN LTS FD TR IV | INSPIRE 500 ETF | 66537J796 |  | 2420262 | 10555 | SH |  | SOLE |  | 0 | 0 | 10555 |
| NORTHERN LTS FD TR IV | INSPIRE 100 ETF | 66538H534 |  | 645093 | 15608 | SH |  | SOLE |  | 0 | 0 | 15608 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2449626 | 15505 | SH |  | SOLE |  | 0 | 0 | 15505 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 |  | 1451112 | 15446 | SH |  | SOLE |  | 0 | 0 | 15446 |
| NUSHARES ETF TR | NUVEEN ESG LRGVL | 67092P300 |  | 496721 | 11851 | SH |  | SOLE |  | 0 | 0 | 11851 |
| NUSHARES ETF TR | NUVEEN ESG SMLCP | 67092P607 |  | 1879993 | 46146 | SH |  | SOLE |  | 0 | 0 | 46146 |
| ORACLE CORP | COM | 68389X105 |  | 496529 | 2271 | SH |  | SOLE |  | 0 | 0 | 2271 |
| PACER FDS TR | TRENDP US LAR CP | 69374H105 |  | 755157 | 14877 | SH |  | SOLE |  | 0 | 0 | 14877 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 7370388 | 143504 | SH |  | SOLE |  | 0 | 0 | 143504 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 475889 | 2987 | SH |  | SOLE |  | 0 | 0 | 2987 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 7462644 | 12078 | SH |  | SOLE |  | 0 | 0 | 12078 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 551816 | 12911 | SH |  | SOLE |  | 0 | 0 | 12911 |
| SPDR SERIES TRUST | S 600 SMCP VAL | 78464A300 |  | 291932 | 3660 | SH |  | SOLE |  | 0 | 0 | 3660 |
| SPDR SERIES TRUST | PORTFOLIO SHORT | 78464A474 |  | 220007 | 7287 | SH |  | SOLE |  | 0 | 0 | 7287 |
| SPDR SERIES TRUST | PORTFLI INTRMDIT | 78464A672 |  | 706562 | 24559 | SH |  | SOLE |  | 0 | 0 | 24559 |
| SPDR SERIES TRUST | S 400 MDCP GRW | 78464A821 |  | 780353 | 8983 | SH |  | SOLE |  | 0 | 0 | 8983 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 4491397 | 82593 | SH |  | SOLE |  | 0 | 0 | 82593 |
| SSGA ACTIVE ETF TR | MULT ASS RLRTN | 78467V103 |  | 813705 | 27972 | SH |  | SOLE |  | 0 | 0 | 27972 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 344824 | 609 | SH |  | SOLE |  | 0 | 0 | 609 |
| SPDR SERIES TRUST | PORTFOLIO SH TSR | 78468R101 |  | 383787 | 13103 | SH |  | SOLE |  | 0 | 0 | 13103 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 606702 | 6614 | SH |  | SOLE |  | 0 | 0 | 6614 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 1316465 | 30903 | SH |  | SOLE |  | 0 | 0 | 30903 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 518828 | 17762 | SH |  | SOLE |  | 0 | 0 | 17762 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 327175 | 11664 | SH |  | SOLE |  | 0 | 0 | 11664 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 1210757 | 47856 | SH |  | SOLE |  | 0 | 0 | 47856 |
| SCHWAB STRATEGIC TR | 1 5YR CORP BD | 808524714 |  | 220844 | 8901 | SH |  | SOLE |  | 0 | 0 | 8901 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 1313411 | 49563 | SH |  | SOLE |  | 0 | 0 | 49563 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 334196 | 15122 | SH |  | SOLE |  | 0 | 0 | 15122 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 397151 | 15867 | SH |  | SOLE |  | 0 | 0 | 15867 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 825079 | 6121 | SH |  | SOLE |  | 0 | 0 | 6121 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 254940 | 3149 | SH |  | SOLE |  | 0 | 0 | 3149 |
| SUPER MICRO COMPUTER INC | COM NEW | 86800U302 |  | 204617 | 4175 | SH |  | SOLE |  | 0 | 0 | 4175 |
| T ROWE PRICE ETF INC | PRICE GRW STOCK | 87283Q305 |  | 407195 | 9686 | SH |  | SOLE |  | 0 | 0 | 9686 |
| TESLA INC | COM | 88160R101 |  | 269693 | 849 | SH |  | SOLE |  | 0 | 0 | 849 |
| TIMOTHY PLAN | INTL ETF | 887432334 |  | 3300178 | 102192 | SH |  | SOLE |  | 0 | 0 | 102192 |
| TIMOTHY PLAN | U S SM CP CORE | 887432342 |  | 1716348 | 44373 | SH |  | SOLE |  | 0 | 0 | 44373 |
| TWO RDS SHARED TR | ANFIELD US EQU | 90214Q733 |  | 4487493 | 236807 | SH |  | SOLE |  | 0 | 0 | 236807 |
| TWO RDS SHARED TR | ANFIELD UNVL ETF | 90214Q766 |  | 2423158 | 260163 | SH |  | SOLE |  | 0 | 0 | 260163 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 235377 | 754 | SH |  | SOLE |  | 0 | 0 | 754 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 3254138 | 34696 | SH |  | SOLE |  | 0 | 0 | 34696 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 283877 | 1387 | SH |  | SOLE |  | 0 | 0 | 1387 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 3868876 | 55998 | SH |  | SOLE |  | 0 | 0 | 55998 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 |  | 256944 | 4053 | SH |  | SOLE |  | 0 | 0 | 4053 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 201944 | 2566 | SH |  | SOLE |  | 0 | 0 | 2566 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 205207 | 2787 | SH |  | SOLE |  | 0 | 0 | 2787 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 7594002 | 133205 | SH |  | SOLE |  | 0 | 0 | 133205 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 640288 | 4803 | SH |  | SOLE |  | 0 | 0 | 4803 |
| VANGUARD MALVERN FDS | CORE-PLUS BD ETF | 922020755 |  | 480569 | 6177 | SH |  | SOLE |  | 0 | 0 | 6177 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 4171229 | 82976 | SH |  | SOLE |  | 0 | 0 | 82976 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 705889 | 14156 | SH |  | SOLE |  | 0 | 0 | 14156 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 3186649 | 64364 | SH |  | SOLE |  | 0 | 0 | 64364 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 1997246 | 3011 | SH |  | SOLE |  | 0 | 0 | 3011 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 1701348 | 13238 | SH |  | SOLE |  | 0 | 0 | 13238 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 5012479 | 101344 | SH |  | SOLE |  | 0 | 0 | 101344 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 3168952 | 53912 | SH |  | SOLE |  | 0 | 0 | 53912 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 2749585 | 34586 | SH |  | SOLE |  | 0 | 0 | 34586 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000IDX | 92206C730 |  | 287860 | 1025 | SH |  | SOLE |  | 0 | 0 | 1025 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 9896662 | 119352 | SH |  | SOLE |  | 0 | 0 | 119352 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 203790 | 4156 | SH |  | SOLE |  | 0 | 0 | 4156 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 5746907 | 10117 | SH |  | SOLE |  | 0 | 0 | 10117 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 679055 | 4129 | SH |  | SOLE |  | 0 | 0 | 4129 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 739430 | 2670 | SH |  | SOLE |  | 0 | 0 | 2670 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 517714 | 2655 | SH |  | SOLE |  | 0 | 0 | 2655 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 704406 | 2469 | SH |  | SOLE |  | 0 | 0 | 2469 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 5294922 | 12078 | SH |  | SOLE |  | 0 | 0 | 12078 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1033576 | 5848 | SH |  | SOLE |  | 0 | 0 | 5848 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 20943989 | 68911 | SH |  | SOLE |  | 0 | 0 | 68911 |
| VISA INC | COM CL A | 92826C839 |  | 495417 | 1395 | SH |  | SOLE |  | 0 | 0 | 1395 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 437046 | 1910 | SH |  | SOLE |  | 0 | 0 | 1910 |
| WISDOMTREE TR | WISDOMTREE US VA | 97717W547 |  | 322618 | 3734 | SH |  | SOLE |  | 0 | 0 | 3734 |
| WISDOMTREE TR | JAPN HEDGE EQT | 97717W851 |  | 2609584 | 22837 | SH |  | SOLE |  | 0 | 0 | 22837 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 |  | 1255084 | 24947 | SH |  | SOLE |  | 0 | 0 | 24947 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 326945 | 4990 | SH |  | SOLE |  | 0 | 0 | 4990 |

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