# EDGAR Filing Document

**Accession Number:** 0001501902
**File Stem:** 0001085146-23-001128
**Filing Date:** 2023-2
**Character Count:** 23503
**Document Hash:** cb4df370932cc4060531fedde75b1643
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-001128.hdr.sgml**: 20230213

**ACCESSION NUMBER**: 0001085146-23-001128

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230213

**DATE AS OF CHANGE**: 20230213

**EFFECTIVENESS DATE**: 20230213

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Charles Schwab Investment Advisory, Inc.
- **CENTRAL INDEX KEY:** 0001501902
- **IRS NUMBER:** 271073440

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-14153
- **FILM NUMBER:** 23619076

**BUSINESS ADDRESS:**
- **STREET 1:** 211 MAIN ST.
- **CITY:** SAN FRANCISCO
- **STATE:** CA
- **ZIP:** 94105
- **BUSINESS PHONE:** 415-667-0897

**MAIL ADDRESS:**
- **STREET 1:** 211 MAIN ST.
- **CITY:** SAN FRANCISCO
- **STATE:** CA
- **ZIP:** 94105

### 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:** Charles Schwab Investment Advisory Inc.<br>**Address:** 211 MAIN ST.<br>SAN FRANCISCO, CA 94105

**Form 13F File Number:** 028-14153

**CRD Number (if applicable):** 000151739

**SEC File Number (if applicable):** 801-70737

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:** Omar Aguilar<br>**Title:** Managing Director<br>**Phone:** 415-667-7718

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

/s/Omar Aguilar  San Fransico, CA  02-13-2023<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:** 1

**Form 13F Information Table Entry Total:** 167

**Form 13F Information Table Value Total:** $59345450092

      (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   |
|:---|:---|:---|
|  | Charles Schwab Trust Co | 028-19636              |

### 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 |
| ABRDN PRECIOUS METALS BASKET | PHYSCL PRECS MET | 003263100 | BBG001T79CF8 | 25117174 | 281488 | SH |  | SOLE |  | 281488 | 0 | 0 |
| ABRDN PRECIOUS METALS BASKET | PHYSCL PRECS MET | 003263100 | BBG001T79CF8 | 24181 | 271 | SH |  | SOLE | 1 | 271 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 290034 | 3287 | SH |  | SOLE |  | 3287 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 342253 | 4074 | SH |  | SOLE |  | 4074 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 787565 | 6061 | SH |  | SOLE |  | 6061 | 0 | 0 |
| AT INC | COM | 00206R102 | BBG001S5VWH2 | 204264 | 11095 | SH |  | SOLE |  | 11095 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 337676 | 1093 | SH |  | SOLE |  | 1093 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 209784 | 375 | SH |  | SOLE |  | 375 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 276773 | 1542 | SH |  | SOLE |  | 1542 | 0 | 0 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 206520 | 3247 | SH |  | SOLE |  | 3247 | 0 | 0 |
| DBX ETF TR | XTRACK INTL REAL | 233051846 | BBG005BJ0T91 | 494380772 | 23156008 | SH |  | SOLE |  | 23156008 | 0 | 0 |
| DBX ETF TR | XTRACK INTL REAL | 233051846 | BBG005BJ0T91 | 222446 | 10419 | SH |  | SOLE | 1 | 10419 | 0 | 0 |
| DBX ETF TR | XTRACK MSCI EAFE | 233051630 | BBG009RY6HH4 | 692528606 | 31752802 | SH |  | SOLE |  | 31752802 | 0 | 0 |
| DBX ETF TR | XTRACK USD HIGH | 233051432 | BBG00FGWY4G5 | 244089659 | 7240868 | SH |  | SOLE |  | 7240868 | 0 | 0 |
| DBX ETF TR | XTRACK USD HIGH | 233051432 | BBG00FGWY4G5 | 51610 | 1531 | SH |  | SOLE | 1 | 1531 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 413996 | 3753 | SH |  | SOLE |  | 3753 | 0 | 0 |
| GLOBAL X FDS | GLBL X MLP ETF | 37954Y343 | BBG002WKD6P0 | 292540 | 7085 | SH |  | SOLE |  | 7085 | 0 | 0 |
| GLOBAL X FDS | US PFD ETF | 37954Y657 | BBG00HPF2LX6 | 40629917 | 2097569 | SH |  | SOLE |  | 2097569 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 255896 | 810 | SH |  | SOLE |  | 810 | 0 | 0 |
| HUMANA INC | COM | 444859102 | BBG001S5S1X6 | 297070 | 580 | SH |  | SOLE |  | 580 | 0 | 0 |
| ICAHN ENTERPRISES LP | DEPOSITARY UNIT | 451100101 | BBG001S5NBT4 | 1009599 | 19933 | SH |  | SOLE |  | 19933 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | CALIF AMT MUN | 46138E206 | BBG001T06LL9 | 218018213 | 9031409 | SH |  | SOLE |  | 9031409 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | FTSE RAFI DEV | 46138E743 | BBG001SS8729 | 4334117 | 104336 | SH |  | SOLE | 1 | 104336 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | FTSE RAFI DEV | 46138E743 | BBG001SS8729 | 557689880 | 13425370 | SH |  | SOLE |  | 13425370 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | FTSE RAFI EMNG | 46138E727 | BBG001SSJYS0 | 488995576 | 27752303 | SH |  | SOLE |  | 27752303 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | FTSE RAFI EMNG | 46138E727 | BBG001SSJYS0 | 1273873 | 72297 | SH |  | SOLE | 1 | 72297 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | FTSE RAFI SML | 46138E735 | BBG001SSH3K8 | 887623 | 29967 | SH |  | SOLE | 1 | 29967 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | FTSE RAFI SML | 46138E735 | BBG001SSH3K8 | 301898319 | 10192381 | SH |  | SOLE |  | 10192381 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | PFD ETF | 46138E511 | BBG001T0NSB6 | 783 | 70 | SH |  | SOLE |  | 70 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | PFD ETF | 46138E511 | BBG001T0NSB6 | 676614 | 60520 | SH |  | SOLE | 1 | 60520 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 | BBG001V0MBC0 | 77359783 | 3768134 | SH |  | SOLE |  | 3768134 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 | BBG001V0MBC0 | 439280 | 21397 | SH |  | SOLE | 1 | 21397 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | FTSE RAFI 1000 | 46137V613 | BBG001S6H5N8 | 4580804 | 29525 | SH |  | SOLE | 1 | 29525 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | FTSE RAFI 1000 | 46137V613 | BBG001S6H5N8 | 796448968 | 5133413 | SH |  | SOLE |  | 5133413 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | FTSE RAFI 1500 | 46137V597 | BBG001SPSDJ2 | 2146139 | 13548 | SH |  | SOLE | 1 | 13548 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | FTSE RAFI 1500 | 46137V597 | BBG001SPSDJ2 | 669627925 | 4227182 | SH |  | SOLE |  | 4227182 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 1004290 | 3772 | SH |  | SOLE |  | 3772 | 0 | 0 |
| INVESCO SR INCOME TR | COM | 46131H107 | BBG001SB0BV3 | 64085 | 16732 | SH |  | SOLE |  | 16732 | 0 | 0 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 | BBG001SJK6D5 | 442752 | 12800 | SH |  | SOLE | 1 | 12800 | 0 | 0 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 | BBG001SJK6D5 | 709243184 | 20504284 | SH |  | SOLE |  | 20504284 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 | BBG003HC3DG9 | 388718458 | 8323736 | SH |  | SOLE |  | 8323736 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 | BBG003HC3DG9 | 380278 | 8143 | SH |  | SOLE | 1 | 8143 | 0 | 0 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 | BBG005DW06B7 | 219315 | 5364 | SH |  | SOLE |  | 5364 | 0 | 0 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 | BBG001SSD812 | 914065 | 7956 | SH |  | SOLE | 1 | 7956 | 0 | 0 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 | BBG001SSD812 | 327188452 | 2847841 | SH |  | SOLE |  | 2847841 | 0 | 0 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 | BBG001S80936 | 717009 | 7486 | SH |  | SOLE |  | 7486 | 0 | 0 |
| ISHARES TR | BROAD USD HIGH | 46435U853 | BBG00J2DS0J6 | 22657912 | 656180 | SH |  | SOLE |  | 656180 | 0 | 0 |
| ISHARES TR | BROAD USD HIGH | 46435U853 | BBG00J2DS0J6 | 20960 | 607 | SH |  | SOLE | 1 | 607 | 0 | 0 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 | BBG001T03XM5 | 358901255 | 6396387 | SH |  | SOLE |  | 6396387 | 0 | 0 |
| ISHARES TR | CORE INTL AGGR | 46435G672 | BBG00BDV2SQ0 | 16851387 | 354393 | SH |  | SOLE |  | 354393 | 0 | 0 |
| ISHARES TR | CORE INTL AGGR | 46435G672 | BBG00BDV2SQ0 | 32477 | 683 | SH |  | SOLE | 1 | 683 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 841470 | 9923 | SH |  | SOLE |  | 9923 | 0 | 0 |
| ISHARES TR | CORE S US GWT | 464287671 | BBG001SFQL99 | 1358694 | 16667 | SH |  | SOLE | 1 | 16667 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 753016 | 1960 | SH |  | SOLE |  | 1960 | 0 | 0 |
| ISHARES TR | CORE TOTAL USD | 46434V613 | BBG006MJCSW0 | 237006 | 5275 | SH |  | SOLE |  | 5275 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 | BBG001SM1QT8 | 9975712 | 102853 | SH |  | SOLE | 1 | 102853 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 | BBG001SM1QT8 | 689211 | 7106 | SH |  | SOLE |  | 7106 | 0 | 0 |
| ISHARES TR | CRE U S REIT ETF | 464288521 | BBG001ST7G55 | 2829331 | 57216 | SH |  | SOLE | 1 | 57216 | 0 | 0 |
| ISHARES TR | CRE U S REIT ETF | 464288521 | BBG001ST7G55 | 121085954 | 2448654 | SH |  | SOLE |  | 2448654 | 0 | 0 |
| ISHARES TR | EAFE SML CP ETF | 464288273 | BBG001SYVWS7 | 935817 | 16569 | SH |  | SOLE | 1 | 16569 | 0 | 0 |
| ISHARES TR | EAFE SML CP ETF | 464288273 | BBG001SYVWS7 | 69133 | 1224 | SH |  | SOLE |  | 1224 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 | BBG001SSD858 | 740275 | 14859 | SH |  | SOLE |  | 14859 | 0 | 0 |
| ISHARES TR | MBS ETF | 464288588 | BBG001SSD8B1 | 1183676 | 12762 | SH |  | SOLE | 1 | 12762 | 0 | 0 |
| ISHARES TR | MBS ETF | 464288588 | BBG001SSD8B1 | 417013368 | 4496101 | SH |  | SOLE |  | 4496101 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 548487367 | 5197947 | SH |  | SOLE |  | 5197947 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 63523 | 602 | SH |  | SOLE | 1 | 602 | 0 | 0 |
| ISHARES TR | TIPS BD ETF | 464287176 | BBG001SD9RM5 | 169665 | 1594 | SH |  | SOLE | 1 | 1594 | 0 | 0 |
| ISHARES TR | TIPS BD ETF | 464287176 | BBG001SD9RM5 | 129346 | 1215 | SH |  | SOLE |  | 1215 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT INC | 46641Q837 | BBG00GP26NW0 | 211324 | 4216 | SH |  | SOLE |  | 4216 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 269511 | 1526 | SH |  | SOLE |  | 1526 | 0 | 0 |
| JPMORGAN CHASE  CO | COM | 46625H100 | BBG001S8CRC3 | 261790 | 1952 | SH |  | SOLE |  | 1952 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 761170 | 3174 | SH |  | SOLE |  | 3174 | 0 | 0 |
| NUVEEN SR INCOME FD | COM | 67067Y104 | BBG001SDFG15 | 65462 | 14262 | SH |  | SOLE |  | 14262 | 0 | 0 |
| OLO INC | CL A | 68134L109 | BBG00ZCX7044 | 234925 | 37588 | SH |  | SOLE |  | 37588 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 258143 | 1703 | SH |  | SOLE |  | 1703 | 0 | 0 |
| REE AUTOMOTIVE LTD | CLASS A ORD SHS | M8287R103 | BBG00YVK1Z98 | 19532 | 50250 | SH |  | SOLE |  | 50250 | 0 | 0 |
| SCHWAB STRATEGIC TR | 1 5YR CORP BD | 808524714 | BBG00PZFDF86 | 220149 | 4695 | SH |  | SOLE | 1 | 4695 | 0 | 0 |
| SCHWAB STRATEGIC TR | 1 5YR CORP BD | 808524714 | BBG00PZFDF86 | 12099 | 258 | SH |  | SOLE |  | 258 | 0 | 0 |
| SCHWAB STRATEGIC TR | 5 10YR CORP BD | 808524698 | BBG00PZFPGG2 | 4396 | 102 | SH |  | SOLE |  | 102 | 0 | 0 |
| SCHWAB STRATEGIC TR | 5 10YR CORP BD | 808524698 | BBG00PZFPGG2 | 1011643 | 23472 | SH |  | SOLE | 1 | 23472 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | BBG001T6L7D9 | 1843051906 | 77864466 | SH |  | SOLE |  | 77864466 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | BBG001T6L7D9 | 2655679 | 112196 | SH |  | SOLE | 1 | 112196 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTERNL DIVID | 808524672 | BBG00Z60CHB2 | 975180 | 43496 | SH |  | SOLE | 1 | 43496 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTERNL DIVID | 808524672 | BBG00Z60CHB2 | 19640 | 876 | SH |  | SOLE |  | 876 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | BBG001T5XQY3 | 2340093130 | 72651137 | SH |  | SOLE |  | 72651137 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | BBG001T5XQY3 | 8550853 | 265472 | SH |  | SOLE | 1 | 265472 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 | BBG001T6L7C0 | 1776356 | 56446 | SH |  | SOLE | 1 | 56446 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 | BBG001T6L7C0 | 1163756189 | 36979860 | SH |  | SOLE |  | 36979860 | 0 | 0 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 | BBG001T9F7C1 | 57402 | 1166 | SH |  | SOLE | 1 | 1166 | 0 | 0 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 | BBG001T9F7C1 | 3779563736 | 76773588 | SH |  | SOLE |  | 76773588 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US LG | 808524771 | BBG0051J0PJ9 | 6287749854 | 117659990 | SH |  | SOLE |  | 117659990 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US LG | 808524771 | BBG0051J0PJ9 | 10685969 | 199962 | SH |  | SOLE | 1 | 199962 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US SC | 808524763 | BBG0051NXNX3 | 4093996440 | 87628348 | SH |  | SOLE |  | 87628348 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US SC | 808524763 | BBG0051NXNX3 | 2528019 | 54110 | SH |  | SOLE | 1 | 54110 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWB FDT EMK LG | 808524730 | BBG0051QPC87 | 2836402412 | 114463374 | SH |  | SOLE |  | 114463374 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWB FDT EMK LG | 808524730 | BBG0051QPC87 | 2533606 | 102244 | SH |  | SOLE | 1 | 102244 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT LG | 808524755 | BBG0051K49J8 | 3802000411 | 130787768 | SH |  | SOLE |  | 130787768 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT LG | 808524755 | BBG0051K49J8 | 5296176 | 182187 | SH |  | SOLE | 1 | 182187 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT SC | 808524748 | BBG0051QD594 | 1502793 | 48074 | SH |  | SOLE | 1 | 48074 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT SC | 808524748 | BBG0051QD594 | 1738479300 | 55613541 | SH |  | SOLE |  | 55613541 | 0 | 0 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 | BBG001T9F795 | 19327 | 401 | SH |  | SOLE |  | 401 | 0 | 0 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 | BBG001T9F795 | 1513675 | 31378 | SH |  | SOLE | 1 | 31378 | 0 | 0 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | BBG001WBMLH8 | 7419997 | 162541 | SH |  | SOLE | 1 | 162541 | 0 | 0 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | BBG001WBMLH8 | 86565 | 1896 | SH |  | SOLE |  | 1896 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | BBG001T5XQT9 | 338689 | 7558 | SH |  | SOLE |  | 7558 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 1330410 | 17612 | SH |  | SOLE | 1 | 17612 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 701154266 | 9281894 | SH |  | SOLE |  | 9281894 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | BBG001T66WN0 | 8247271 | 148439 | SH |  | SOLE | 1 | 148439 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | BBG001T66WN0 | 121136 | 2180 | SH |  | SOLE |  | 2180 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 12154696 | 269207 | SH |  | SOLE | 1 | 269207 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 4320870113 | 95700335 | SH |  | SOLE |  | 95700335 | 0 | 0 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 | BBG001V039G2 | 892921623 | 46289353 | SH |  | SOLE |  | 46289353 | 0 | 0 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 | BBG001V039G2 | 3561706 | 184640 | SH |  | SOLE | 1 | 184640 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | BBG001T5XQW5 | 2883380 | 71177 | SH |  | SOLE | 1 | 71177 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | BBG001T5XQW5 | 2985341588 | 73693942 | SH |  | SOLE |  | 73693942 | 0 | 0 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 | BBG001T9F777 | 690982 | 13342 | SH |  | SOLE | 1 | 13342 | 0 | 0 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 | BBG001T9F777 | 2320480007 | 44805561 | SH |  | SOLE |  | 44805561 | 0 | 0 |
| SNAP INC | CL A | 83304A106 | BBG00441QMK5 | 232181 | 25942 | SH |  | SOLE |  | 25942 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 | BBG001SRXRJ1 | 345030 | 11621 | SH |  | SOLE |  | 11621 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 607023 | 1587 | SH |  | SOLE |  | 1587 | 0 | 0 |
| SPDR SER TR | BLOOMBERG EMERGI | 78464A391 | BBG001V0JXM5 | 161334 | 7847 | SH |  | SOLE | 1 | 7847 | 0 | 0 |
| SPDR SER TR | BLOOMBERG EMERGI | 78464A391 | BBG001V0JXM5 | 1492323908 | 72583848 | SH |  | SOLE |  | 72583848 | 0 | 0 |
| SPDR SER TR | BLOOMBERG HIGH Y | 78468R622 | BBG001SQS7X7 | 7380 | 82 | SH |  | SOLE |  | 82 | 0 | 0 |
| SPDR SER TR | BLOOMBERG HIGH Y | 78468R622 | BBG001SQS7X7 | 905760 | 10064 | SH |  | SOLE | 1 | 10064 | 0 | 0 |
| SPDR SER TR | ICE PFD SEC ETF | 78464A292 | BBG001T5L3N9 | 4954212 | 150951 | SH |  | SOLE |  | 150951 | 0 | 0 |
| SPDR SER TR | NUVEEN BLMBRG MU | 78468R721 | BBG001SRSPW6 | 1181334 | 25895 | SH |  | SOLE |  | 25895 | 0 | 0 |
| SPDR SER TR | PORTFLI TIPS ETF | 78464A656 | BBG001STKCZ6 | 521717 | 20253 | SH |  | SOLE | 1 | 20253 | 0 | 0 |
| SPDR SER TR | PORTFLI TIPS ETF | 78464A656 | BBG001STKCZ6 | 342862992 | 13309899 | SH |  | SOLE |  | 13309899 | 0 | 0 |
| SPDR SER TR | PORTFOLIO INTRMD | 78464A375 | BBG001T2HCY9 | 358088 | 11250 | SH |  | SOLE | 1 | 11250 | 0 | 0 |
| SPDR SER TR | PORTFOLIO INTRMD | 78464A375 | BBG001T2HCY9 | 184322059 | 5790828 | SH |  | SOLE |  | 5790828 | 0 | 0 |
| SPDR SER TR | PORTFOLIO LN TSR | 78464A664 | BBG001STKCY7 | 23050 | 794 | SH |  | SOLE |  | 794 | 0 | 0 |
| SPDR SER TR | PORTFOLIO LN TSR | 78464A664 | BBG001STKCY7 | 243097 | 8374 | SH |  | SOLE | 1 | 8374 | 0 | 0 |
| SPDR SER TR | PORTFOLIO SHORT | 78464A474 | BBG001T6B0P2 | 238135 | 8105 | SH |  | SOLE |  | 8105 | 0 | 0 |
| STARBUCKS CORP | COM | 855244109 | BBG001S72KH6 | 246473 | 2485 | SH |  | SOLE |  | 2485 | 0 | 0 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 484208 | 3931 | SH |  | SOLE |  | 3931 | 0 | 0 |
| VANECK ETF TRUST | JP MRGAN EM LOC | 92189H300 | BBG001T9BPT7 | 540305 | 22299 | SH |  | SOLE | 1 | 22299 | 0 | 0 |
| VANECK ETF TRUST | JP MRGAN EM LOC | 92189H300 | BBG001T9BPT7 | 355065815 | 14653975 | SH |  | SOLE |  | 14653975 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | BBG001SK7DK4 | 26150 | 364 | SH |  | SOLE | 1 | 364 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | BBG001SK7DK4 | 240949 | 3354 | SH |  | SOLE |  | 3354 | 0 | 0 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 | BBG004N1LGK2 | 130385 | 2749 | SH |  | SOLE | 1 | 2749 | 0 | 0 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 | BBG004N1LGK2 | 35349147 | 745291 | SH |  | SOLE |  | 745291 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 7928338 | 22566 | SH |  | SOLE | 1 | 22566 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 488539851 | 1390505 | SH |  | SOLE |  | 1390505 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 317922423 | 1732170 | SH |  | SOLE |  | 1732170 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 2286541 | 12458 | SH |  | SOLE | 1 | 12458 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 492312 | 2575 | SH |  | SOLE |  | 2575 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 292784 | 2086 | SH |  | SOLE |  | 2086 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 276643 | 7097 | SH |  | SOLE |  | 7097 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 1114672 | 28596 | SH |  | SOLE | 1 | 28596 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 | BBG001T0SKD6 | 185925702 | 1808440 | SH |  | SOLE |  | 1808440 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 | BBG001T0SKD6 | 293009 | 2850 | SH |  | SOLE | 1 | 2850 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 | BBG001TCVT65 | 288557440 | 6980103 | SH |  | SOLE |  | 6980103 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 | BBG001TCVT65 | 198019 | 4790 | SH |  | SOLE | 1 | 4790 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 1744621 | 35252 | SH |  | SOLE | 1 | 35252 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 1273768990 | 25737906 | SH |  | SOLE |  | 25737906 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 | BBG001T62M38 | 1938067063 | 25004091 | SH |  | SOLE |  | 25004091 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 | BBG001T62M38 | 714410 | 9217 | SH |  | SOLE | 1 | 9217 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 | BBG001T62MF5 | 5032763962 | 110561598 | SH |  | SOLE |  | 110561598 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 | BBG001T62MF5 | 204476 | 4492 | SH |  | SOLE | 1 | 4492 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 | BBG001T62M74 | 168198 | 2909 | SH |  | SOLE | 1 | 2909 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 | BBG001T62M74 | 93032 | 1609 | SH |  | SOLE |  | 1609 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | BBG001T62KZ7 | 119200 | 1585 | SH |  | SOLE |  | 1585 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | BBG001T62KZ7 | 323843 | 4307 | SH |  | SOLE | 1 | 4307 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 416733882 | 9929328 | SH |  | SOLE |  | 9929328 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 5415851 | 129041 | SH |  | SOLE | 1 | 129041 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 94607435 | 874295 | SH |  | SOLE |  | 874295 | 0 | 0 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 | BBG00C868SD7 | 121121362 | 2033261 | SH |  | SOLE |  | 2033261 | 0 | 0 |

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