# EDGAR Filing Document

**Accession Number:** 0001810720
**File Stem:** 0001810720-25-000003
**Filing Date:** 2025-10
**Character Count:** 24335
**Document Hash:** 4b6dbed3f214abe58bdff2d9f5e74879
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001810720-25-000003.hdr.sgml**: 20251030

**ACCESSION NUMBER**: 0001810720-25-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251030

**DATE AS OF CHANGE**: 20251030

**EFFECTIVENESS DATE**: 20251030

**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:** 251432757

**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:** 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:** 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  10-30-2025<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:** 205

**Form 13F Information Table Value Total:** $1274441759

      (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 | CORE S ETF | 464287200 |  | 339210914 | 506814 | SH |  | SOLE |  | 344827 | 0 | 161987 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 181256303 | 1808043 | SH |  | SOLE |  | 1137849 | 0 | 670194 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 114761847 | 1562236 | SH |  | SOLE |  | 755041 | 0 | 807195 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 77226574 | 1427742 | SH |  | SOLE |  | 824093 | 0 | 603649 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 75806359 | 362121 | SH |  | SOLE |  | 237719 | 0 | 124402 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 75526754 | 957125 | SH |  | SOLE |  | 607385 | 0 | 349740 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 38337750 | 537169 | SH |  | SOLE |  | 424466 | 0 | 112703 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 36039054 | 436414 | SH |  | SOLE |  | 361330 | 0 | 75084 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 29677302 | 48462 | SH |  | SOLE |  | 37969 | 0 | 10493 |
| APPLE INC | COM | 037833100 |  | 19772342 | 77651 | SH |  | SOLE |  | 33964 | 0 | 43687 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 13904311 | 262197 | SH |  | SOLE |  | 223481 | 0 | 38716 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 11265077 | 81489 | SH |  | SOLE |  | 73193 | 0 | 8296 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 10742790 | 154862 | SH |  | SOLE |  | 111194 | 0 | 43668 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 10027885 | 73925 | SH |  | SOLE |  | 61167 | 0 | 12758 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 9436461 | 126885 | SH |  | SOLE |  | 106092 | 0 | 20793 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 8981774 | 138160 | SH |  | SOLE |  | 121433 | 0 | 16727 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 8811610 | 88160 | SH |  | SOLE |  | 61049 | 0 | 27111 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 8433248 | 69858 | SH |  | SOLE |  | 63187 | 0 | 6671 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 6544697 | 55257 | SH |  | SOLE |  | 38407 | 0 | 16850 |
| NUSHARES ETF TR | NUVEEN ESG US | 67092P870 |  | 5441718 | 242339 | SH |  | SOLE |  | 222470 | 0 | 19869 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 5255734 | 25450 | SH |  | SOLE |  | 19894 | 0 | 5556 |
| MICROSOFT CORP | COM | 594918104 |  | 5240327 | 10117 | SH |  | SOLE |  | 5739 | 0 | 4378 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 4669247 | 9736 | SH |  | SOLE |  | 5931 | 0 | 3805 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 4549571 | 24396 | SH |  | SOLE |  | 11179 | 0 | 13217 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 4542642 | 6819 | SH |  | SOLE |  | 4054 | 0 | 2765 |
| ISHARES TR | 0-5YR INVT GR CP | 46434V100 |  | 4181764 | 82270 | SH |  | SOLE |  | 74760 | 0 | 7510 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 |  | 4145355 | 40164 | SH |  | SOLE |  | 32915 | 0 | 7249 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 4039928 | 12310 | SH |  | SOLE |  | 5948 | 0 | 6362 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 3831740 | 17757 | SH |  | SOLE |  | 10381 | 0 | 7376 |
| ANALOG DEVICES INC | COM | 032654105 |  | 3795409 | 15447 | SH |  | SOLE |  | 0 | 0 | 15447 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 |  | 3585533 | 141665 | SH |  | SOLE |  | 92471 | 0 | 49194 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 3508947 | 58561 | SH |  | SOLE |  | 43281 | 0 | 15280 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 3428210 | 71376 | SH |  | SOLE |  | 56916 | 0 | 14460 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 3248604 | 54071 | SH |  | SOLE |  | 45283 | 0 | 8788 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 2925998 | 9276 | SH |  | SOLE |  | 5567 | 0 | 3709 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 2788019 | 34938 | SH |  | SOLE |  | 28612 | 0 | 6326 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 2618675 | 58090 | SH |  | SOLE |  | 48398 | 0 | 9692 |
| DIREXION SHS ETF TR | DRX S | 25459W862 |  | 2612149 | 12327 | SH |  | SOLE |  | 4301 | 0 | 8026 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 2557019 | 16086 | SH |  | SOLE |  | 171 | 0 | 15915 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 2373124 | 25523 | SH |  | SOLE |  | 23447 | 0 | 2076 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 2314516 | 27899 | SH |  | SOLE |  | 25749 | 0 | 2150 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 2304186 | 12427 | SH |  | SOLE |  | 7491 | 0 | 4936 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 2242379 | 11160 | SH |  | SOLE |  | 0 | 0 | 11160 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 2060736 | 16362 | SH |  | SOLE |  | 16312 | 0 | 50 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 2001271 | 14198 | SH |  | SOLE |  | 4933 | 0 | 9265 |
| ABBVIE INC | COM | 00287Y109 |  | 1954421 | 8441 | SH |  | SOLE |  | 6454 | 0 | 1987 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1945075 | 10425 | SH |  | SOLE |  | 2107 | 0 | 8318 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 1887650 | 80121 | SH |  | SOLE |  | 13454 | 0 | 66667 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 1820018 | 37265 | SH |  | SOLE |  | 30577 | 0 | 6688 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 1771099 | 9043 | SH |  | SOLE |  | 5068 | 0 | 3975 |
| AMAZON COM INC | COM | 023135106 |  | 1719947 | 7833 | SH |  | SOLE |  | 2337 | 0 | 5496 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1673468 | 14842 | SH |  | SOLE |  | 4849 | 0 | 9993 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 1665984 | 17492 | SH |  | SOLE |  | 16339 | 0 | 1153 |
| TE CONNECTIVITY PLC | ORD SHS | G87052109 |  | 1660907 | 7566 | SH |  | SOLE |  | 7387 | 0 | 179 |
| VANGUARD INTL EQUITY INDEX F | FTSE PACIFIC ETF | 922042866 |  | 1654760 | 18838 | SH |  | SOLE |  | 17213 | 0 | 1625 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1651111 | 18911 | SH |  | SOLE |  | 10269 | 0 | 8642 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 1617191 | 11107 | SH |  | SOLE |  | 10737 | 0 | 370 |
| TEXAS INSTRS INC | COM | 882508104 |  | 1576562 | 8581 | SH |  | SOLE |  | 0 | 0 | 8581 |
| SALESFORCE INC | COM | 79466L302 |  | 1551495 | 6546 | SH |  | SOLE |  | 1799 | 0 | 4747 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1513938 | 9853 | SH |  | SOLE |  | 8136 | 0 | 1717 |
| IDEXX LABS INC | COM | 45168D104 |  | 1508420 | 2361 | SH |  | SOLE |  | 1667 | 0 | 694 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 1463414 | 10620 | SH |  | SOLE |  | 8304 | 0 | 2316 |
| BROADCOM INC | COM | 11135F101 |  | 1411295 | 4278 | SH |  | SOLE |  | 463 | 0 | 3815 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1383790 | 25541 | SH |  | SOLE |  | 20179 | 0 | 5362 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1377770 | 5657 | SH |  | SOLE |  | 1524 | 0 | 4133 |
| RTX CORPORATION | COM | 75513E101 |  | 1359877 | 8127 | SH |  | SOLE |  | 5182 | 0 | 2945 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1343572 | 2672 | SH |  | SOLE |  | 1126 | 0 | 1546 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 1299766 | 1741 | SH |  | SOLE |  | 636 | 0 | 1105 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 1246161 | 4800 | SH |  | SOLE |  | 2976 | 0 | 1824 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 1218772 | 6435 | SH |  | SOLE |  | 4238 | 0 | 2197 |
| FIDELITY COVINGTON TRUST | MSCI HLTH CARE I | 316092600 |  | 1134116 | 16960 | SH |  | SOLE |  | 9865 | 0 | 7095 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1110895 | 4591 | SH |  | SOLE |  | 2561 | 0 | 2030 |
| CELESTICA INC | COM | 15101Q207 |  | 1109203 | 4502 | SH |  | SOLE |  | 0 | 0 | 4502 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1099010 | 1831 | SH |  | SOLE |  | 553 | 0 | 1278 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1075072 | 4422 | SH |  | SOLE |  | 1704 | 0 | 2718 |
| ISHARES TR | ESG ADV TTL USD | 46436E619 |  | 1069481 | 24351 | SH |  | SOLE |  | 9823 | 0 | 14528 |
| ISHARES TR | RUSEL 2500 ETF | 46435G268 |  | 1046966 | 14200 | SH |  | SOLE |  | 10796 | 0 | 3404 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 1041070 | 4094 | SH |  | SOLE |  | 834 | 0 | 3260 |
| WATSCO INC | COM | 942622200 |  | 1030965 | 2550 | SH |  | SOLE |  | 2500 | 0 | 50 |
| APPLIED MATLS INC | COM | 038222105 |  | 999833 | 4883 | SH |  | SOLE |  | 4819 | 0 | 64 |
| TESLA INC | COM | 88160R101 |  | 977809 | 2199 | SH |  | SOLE |  | 211 | 0 | 1988 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 962118 | 1984 | SH |  | SOLE |  | 449 | 0 | 1535 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 951611 | 4548 | SH |  | SOLE |  | 2768 | 0 | 1780 |
| WALMART INC | COM | 931142103 |  | 950457 | 9222 | SH |  | SOLE |  | 3127 | 0 | 6095 |
| MERCK  CO INC | COM | 58933Y105 |  | 946654 | 11279 | SH |  | SOLE |  | 7608 | 0 | 3671 |
| HOME DEPOT INC | COM | 437076102 |  | 945130 | 2333 | SH |  | SOLE |  | 1461 | 0 | 872 |
| VISA INC | COM CL A | 92826C839 |  | 932275 | 2731 | SH |  | SOLE |  | 525 | 0 | 2206 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 928188 | 12296 | SH |  | SOLE |  | 8033 | 0 | 4263 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 914740 | 14017 | SH |  | SOLE |  | 9881 | 0 | 4136 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 907599 | 6231 | SH |  | SOLE |  | 2993 | 0 | 3238 |
| YUM BRANDS INC | COM | 988498101 |  | 888331 | 5844 | SH |  | SOLE |  | 4634 | 0 | 1210 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 860187 | 10158 | SH |  | SOLE |  | 805 | 0 | 9353 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 853743 | 12951 | SH |  | SOLE |  | 10560 | 0 | 2391 |
| ELI LILLY  CO | COM | 532457108 |  | 843678 | 1106 | SH |  | SOLE |  | 530 | 0 | 576 |
| MCDONALDS CORP | COM | 580135101 |  | 817132 | 2689 | SH |  | SOLE |  | 1915 | 0 | 774 |
| PEPSICO INC | COM | 713448108 |  | 804758 | 5730 | SH |  | SOLE |  | 3580 | 0 | 2150 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 775271 | 3808 | SH |  | SOLE |  | 1583 | 0 | 2225 |
| DEERE  CO | COM | 244199105 |  | 766665 | 1677 | SH |  | SOLE |  | 1166 | 0 | 511 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 757618 | 1507 | SH |  | SOLE |  | 0 | 0 | 1507 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 748636 | 1316 | SH |  | SOLE |  | 421 | 0 | 895 |
| INTEL CORP | COM | 458140100 |  | 737776 | 21990 | SH |  | SOLE |  | 19331 | 0 | 2659 |
| ISHARES TR | ESG MSCI LEADR | 46435U218 |  | 730356 | 6240 | SH |  | SOLE |  | 6240 | 0 | 0 |
| FIDELITY COVINGTON TRUST | MSCI CONSM DIS | 316092204 |  | 701012 | 6815 | SH |  | SOLE |  | 1688 | 0 | 5127 |
| ORACLE CORP | COM | 68389X105 |  | 693049 | 2464 | SH |  | SOLE |  | 668 | 0 | 1796 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 683510 | 12688 | SH |  | SOLE |  | 6759 | 0 | 5929 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 679195 | 1450 | SH |  | SOLE |  | 695 | 0 | 755 |
| ISHARES TR | US INDUSTRIALS | 464287754 |  | 666222 | 4567 | SH |  | SOLE |  | 2571 | 0 | 1996 |
| CATERPILLAR INC | COM | 149123101 |  | 653753 | 1370 | SH |  | SOLE |  | 685 | 0 | 685 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 653058 | 1329 | SH |  | SOLE |  | 1134 | 0 | 195 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 645221 | 2287 | SH |  | SOLE |  | 1284 | 0 | 1003 |
| PIMCO ETF TR | 0-5 HIGH YIELD | 72201R783 |  | 641469 | 6704 | SH |  | SOLE |  | 6108 | 0 | 596 |
| INTUIT | COM | 461202103 |  | 628278 | 920 | SH |  | SOLE |  | 0 | 0 | 920 |
| CHEVRON CORP NEW | COM | 166764100 |  | 617400 | 3976 | SH |  | SOLE |  | 2607 | 0 | 1369 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 601867 | 1955 | SH |  | SOLE |  | 632 | 0 | 1323 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 586443 | 10254 | SH |  | SOLE |  | 7998 | 0 | 2256 |
| ISHARES TR | CORE MSCI EURO | 46434V738 |  | 572072 | 8398 | SH |  | SOLE |  | 6863 | 0 | 1535 |
| QUALCOMM INC | COM | 747525103 |  | 552815 | 3323 | SH |  | SOLE |  | 3145 | 0 | 178 |
| TJX COS INC NEW | COM | 872540109 |  | 546647 | 3782 | SH |  | SOLE |  | 677 | 0 | 3105 |
| ABBOTT LABS | COM | 002824100 |  | 542382 | 4049 | SH |  | SOLE |  | 2900 | 0 | 1149 |
| ISHARES TR | U.S. FIN SVC ETF | 464287770 |  | 540768 | 6033 | SH |  | SOLE |  | 0 | 0 | 6033 |
| CISCO SYS INC | COM | 17275R102 |  | 536301 | 7838 | SH |  | SOLE |  | 6061 | 0 | 1777 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 530675 | 4466 | SH |  | SOLE |  | 2695 | 0 | 1771 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 |  | 524589 | 8171 | SH |  | SOLE |  | 3081 | 0 | 5090 |
| COCA COLA CO | COM | 191216100 |  | 505093 | 7616 | SH |  | SOLE |  | 5006 | 0 | 2610 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 498330 | 1768 | SH |  | SOLE |  | 1330 | 0 | 438 |
| META PLATFORMS INC | CL A | 30303M102 |  | 496715 | 676 | SH |  | SOLE |  | 211 | 0 | 465 |
| ISHARES INC | MSCI CDA ETF | 464286509 |  | 494801 | 9788 | SH |  | SOLE |  | 9356 | 0 | 432 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 475493 | 4017 | SH |  | SOLE |  | 3254 | 0 | 763 |
| FIDELITY COMWLTH TR | NASDAQ COMPSIT | 315912808 |  | 446329 | 5008 | SH |  | SOLE |  | 3422 | 0 | 1586 |
| ALLSTATE CORP | COM | 020002101 |  | 440999 | 2055 | SH |  | SOLE |  | 597 | 0 | 1458 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 439076 | 1272 | SH |  | SOLE |  | 499 | 0 | 773 |
| SPDR SERIES TRUST | PORTFLI INTRMDIT | 78464A672 |  | 434006 | 15017 | SH |  | SOLE |  | 0 | 0 | 15017 |
| AT INC | COM | 00206R102 |  | 433529 | 15352 | SH |  | SOLE |  | 13367 | 0 | 1985 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 431888 | 3490 | SH |  | SOLE |  | 664 | 0 | 2826 |
| FIDELITY COVINGTON TRUST | MSCI COMMNTN SVC | 316092873 |  | 427240 | 6020 | SH |  | SOLE |  | 2782 | 0 | 3238 |
| GE AEROSPACE | COM NEW | 369604301 |  | 423713 | 1409 | SH |  | SOLE |  | 962 | 0 | 447 |
| ISHARES TR | U.S. FINLS ETF | 464287788 |  | 417454 | 3296 | SH |  | SOLE |  | 2521 | 0 | 775 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 416477 | 1419 | SH |  | SOLE |  | 114 | 0 | 1305 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 404061 | 17477 | SH |  | SOLE |  | 15931 | 0 | 1546 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 |  | 392161 | 1835 | SH |  | SOLE |  | 87 | 0 | 1748 |
| BOEING CO | COM | 097023105 |  | 391315 | 1813 | SH |  | SOLE |  | 679 | 0 | 1134 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 390374 | 1629 | SH |  | SOLE |  | 1629 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 385795 | 3623 | SH |  | SOLE |  | 3559 | 0 | 64 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 385193 | 7590 | SH |  | SOLE |  | 750 | 0 | 6840 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 383281 | 2369 | SH |  | SOLE |  | 731 | 0 | 1638 |
| PROSHARES TR | PSHS ULT S 500 | 74347R107 |  | 383149 | 3417 | SH |  | SOLE |  | 1500 | 0 | 1917 |
| BLACKROCK INC | COM | 09290D101 |  | 378816 | 325 | SH |  | SOLE |  | 25 | 0 | 300 |
| LOWES COS INC | COM | 548661107 |  | 372022 | 1480 | SH |  | SOLE |  | 1009 | 0 | 471 |
| ISHARES TR | CORE S ETF | 464287200 |  | 364769 | 545 | SH |  | OTR |  | 0 | 0 | 545 |
| NETFLIX INC | COM | 64110L106 |  | 360901 | 301 | SH |  | SOLE |  | 221 | 0 | 80 |
| THE CIGNA GROUP | COM | 125523100 |  | 360889 | 1252 | SH |  | SOLE |  | 591 | 0 | 661 |
| TEXTRON INC | COM | 883203101 |  | 360181 | 4263 | SH |  | SOLE |  | 0 | 0 | 4263 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 359640 | 4499 | SH |  | SOLE |  | 1970 | 0 | 2529 |
| HONEYWELL INTL INC | COM | 438516106 |  | 356587 | 1694 | SH |  | SOLE |  | 1271 | 0 | 423 |
| SI-BONE INC | COM | 825704109 |  | 353325 | 24003 | SH |  | SOLE |  | 0 | 0 | 24003 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 350575 | 7012 | SH |  | SOLE |  | 750 | 0 | 6262 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 345445 | 4107 | SH |  | SOLE |  | 2251 | 0 | 1856 |
| YUM CHINA HLDGS INC | COM | 98850P109 |  | 345077 | 8040 | SH |  | SOLE |  | 8029 | 0 | 11 |
| AFLAC INC | COM | 001055102 |  | 345003 | 3089 | SH |  | SOLE |  | 1829 | 0 | 1260 |
| HARTFORD INSURANCE GROUP INC | COM | 416515104 |  | 326692 | 2449 | SH |  | SOLE |  | 1605 | 0 | 844 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 |  | 325762 | 6353 | SH |  | SOLE |  | 6330 | 0 | 23 |
| DISNEY WALT CO | COM | 254687106 |  | 324342 | 2833 | SH |  | SOLE |  | 1598 | 0 | 1235 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 323097 | 990 | SH |  | SOLE |  | 0 | 0 | 990 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 320823 | 2885 | SH |  | SOLE |  | 2885 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 318299 | 7242 | SH |  | SOLE |  | 3969 | 0 | 3273 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 318157 | 3576 | SH |  | SOLE |  | 1876 | 0 | 1700 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 317476 | 3153 | SH |  | SOLE |  | 1939 | 0 | 1214 |
| VANGUARD SCOTTSDALE FDS | TOTAL WLD BD ETF | 92206C565 |  | 316682 | 4546 | SH |  | SOLE |  | 4234 | 0 | 312 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 316661 | 1490 | SH |  | SOLE |  | 119 | 0 | 1371 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 310744 | 3399 | SH |  | SOLE |  | 1752 | 0 | 1647 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 309423 | 6057 | SH |  | SOLE |  | 5092 | 0 | 965 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 301612 | 1080 | SH |  | SOLE |  | 1024 | 0 | 56 |
| FIDELITY COVINGTON TRUST | MSCI ENERGY IDX | 316092402 |  | 299970 | 12135 | SH |  | SOLE |  | 2773 | 0 | 9362 |
| IRON MTN INC DEL | COM | 46284V101 |  | 291141 | 2856 | SH |  | SOLE |  | 2290 | 0 | 566 |
| BANK AMERICA CORP | COM | 060505104 |  | 289689 | 5615 | SH |  | SOLE |  | 4136 | 0 | 1479 |
| REALTY INCOME CORP | COM | 756109104 |  | 281546 | 4631 | SH |  | SOLE |  | 2379 | 0 | 2252 |
| VANGUARD WORLD FD | INDUSTRIAL ETF | 92204A603 |  | 280883 | 948 | SH |  | SOLE |  | 482 | 0 | 466 |
| CORNING INC | COM | 219350105 |  | 277426 | 3382 | SH |  | SOLE |  | 1390 | 0 | 1992 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 266526 | 8523 | SH |  | SOLE |  | 5527 | 0 | 2996 |
| FIDELITY COVINGTON TRUST | MSCI INFO TECH I | 316092808 |  | 263509 | 1186 | SH |  | SOLE |  | 314 | 0 | 872 |
| AMGEN INC | COM | 031162100 |  | 262398 | 930 | SH |  | SOLE |  | 389 | 0 | 541 |
| PFIZER INC | COM | 717081103 |  | 254905 | 10004 | SH |  | SOLE |  | 8743 | 0 | 1261 |
| NUSHARES ETF TR | NUVEEN ESG EMRGN | 67092P888 |  | 254720 | 7137 | SH |  | SOLE |  | 0 | 0 | 7137 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 250031 | 753 | SH |  | SOLE |  | 160 | 0 | 593 |
| OTIS WORLDWIDE CORP | COM | 68902V107 |  | 249962 | 2734 | SH |  | SOLE |  | 1853 | 0 | 881 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 248858 | 2252 | SH |  | SOLE |  | 2238 | 0 | 14 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 248228 | 2778 | SH |  | SOLE |  | 920 | 0 | 1858 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 243523 | 263 | SH |  | SOLE |  | 98 | 0 | 165 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 237441 | 3977 | SH |  | SOLE |  | 2352 | 0 | 1625 |
| GENERAL MLS INC | COM | 370334104 |  | 234050 | 4642 | SH |  | SOLE |  | 3897 | 0 | 745 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 231976 | 2129 | SH |  | SOLE |  | 626 | 0 | 1503 |
| ISHARES TR | ESG SELECT SCRE | 46436E551 |  | 229950 | 5244 | SH |  | SOLE |  | 5244 | 0 | 0 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 226859 | 1399 | SH |  | SOLE |  | 433 | 0 | 966 |
| ISHARES TR | ESG AWR MSCI USA | 46436E221 |  | 224259 | 7131 | SH |  | SOLE |  | 4000 | 0 | 3131 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 221575 | 4325 | SH |  | SOLE |  | 4079 | 0 | 246 |
| EMERSON ELEC CO | COM | 291011104 |  | 220148 | 1678 | SH |  | SOLE |  | 1310 | 0 | 368 |
| FIRST TR EXCHANGE TRADED FD | NASDQ CLN EDGE | 33737A108 |  | 213023 | 1410 | SH |  | SOLE |  | 1410 | 0 | 0 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 |  | 212301 | 1516 | SH |  | SOLE |  | 902 | 0 | 614 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 211943 | 2228 | SH |  | SOLE |  | 1469 | 0 | 759 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 206485 | 606 | SH |  | SOLE |  | 257 | 0 | 349 |
| 3M CO | COM | 88579Y101 |  | 206266 | 1329 | SH |  | SOLE |  | 1233 | 0 | 96 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 202383 | 2755 | SH |  | OTR |  | 0 | 0 | 2755 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 202067 | 1422 | SH |  | SOLE |  | 530 | 0 | 892 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 201254 | 450 | SH |  | SOLE |  | 435 | 0 | 15 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 200607 | 7086 | SH |  | SOLE |  | 5659 | 0 | 1427 |

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