# EDGAR Filing Document

**Accession Number:** 0001642246
**File Stem:** 0001642246-25-000004
**Filing Date:** 2025-7
**Character Count:** 19498
**Document Hash:** 445c43074704935d9e111bf2564b64e5
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001642246-25-000004.hdr.sgml**: 20250710

**ACCESSION NUMBER**: 0001642246-25-000004

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250710

**DATE AS OF CHANGE**: 20250710

**EFFECTIVENESS DATE**: 20250710

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sharkey, Howes & Javer
- **CENTRAL INDEX KEY:** 0001642246

**ORGANIZATION NAME:**
- **EIN:** 841156231
- **STATE OF INCORPORATION:** CO
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-16906
- **FILM NUMBER:** 251115153

**BUSINESS ADDRESS:**
- **STREET 1:** 720 S. COLORADO BLVD. STE. 600 SOUTH
- **CITY:** DENVER
- **STATE:** CO
- **ZIP:** 80246
- **BUSINESS PHONE:** 303-639-5100

**MAIL ADDRESS:**
- **STREET 1:** 720 S. COLORADO BLVD. STE. 600 SOUTH
- **CITY:** DENVER
- **STATE:** CO
- **ZIP:** 80246

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** Sharkey Howes  Javer<br>**Address:** 720 S. COLORADO BLVD. STE. 600 SOUTH<br>DENVER, CO 80246

**Form 13F File Number:** 028-16906

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:** Kerry Poorman<br>**Title:** Compliance Officer<br>**Phone:** 303-639-5100

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

Kerry Poorman  Denver, CO  07-10-2025<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:** 154

**Form 13F Information Table Value Total:** $745871463

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBOTT LABS | COM | 002824100 |  | 229177 | 1685 | SH |  | SOLE | 0 | 0 | 0 | 1685 |
| ADOBE INC | COM | 00724F101 |  | 235610 | 609 | SH |  | SOLE | 0 | 0 | 0 | 609 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 357042 | 2026 | SH |  | SOLE | 0 | 0 | 0 | 2026 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 253845 | 1431 | SH |  | SOLE | 0 | 0 | 0 | 1431 |
| AMAZON COM INC | COM | 023135106 |  | 209517 | 955 | SH |  | SOLE | 0 | 0 | 0 | 955 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 421164 | 1320 | SH |  | SOLE | 0 | 0 | 0 | 1320 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 548063 | 5550 | SH |  | SOLE | 0 | 0 | 0 | 5550 |
| ANALOG DEVICES INC | COM | 032654105 |  | 1298637 | 5456 | SH |  | SOLE | 0 | 0 | 0 | 5456 |
| APPLE INC | COM | 037833100 |  | 992710 | 4838 | SH |  | SOLE | 0 | 0 | 0 | 4838 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 256925 | 833 | SH |  | SOLE | 0 | 0 | 0 | 833 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1802207 | 3710 | SH |  | SOLE | 0 | 0 | 0 | 3710 |
| BLACKROCK ETF TRUST | US CARBON TRANS | 09290C509 |  | 4185648 | 62220 | SH |  | SOLE | 0 | 0 | 0 | 62220 |
| BLACKROCK ETF TRUST | WORLD EX US CARB | 09290C608 |  | 831098 | 16340 | SH |  | SOLE | 0 | 0 | 0 | 16340 |
| BLACKROCK ETF TRUST | ISHARES A I INNO | 09290C780 |  | 6494250 | 225104 | SH |  | SOLE | 0 | 0 | 0 | 225104 |
| BLACKROCK ETF TRUST | ISHARES US THEMA | 09290C806 |  | 15921483 | 447484 | SH |  | SOLE | 0 | 0 | 0 | 447484 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 45551138 | 836415 | SH |  | SOLE | 0 | 0 | 0 | 836415 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 15541134 | 294117 | SH |  | SOLE | 0 | 0 | 0 | 294117 |
| BROADCOM INC | COM | 11135F101 |  | 264624 | 960 | SH |  | SOLE | 0 | 0 | 0 | 960 |
| CAPITAL GRP FIXED INCM ETF T | US MULTI-SECTOR | 14020Y300 |  | 1677177 | 60723 | SH |  | SOLE | 0 | 0 | 0 | 60723 |
| CDW CORP | COM | 12514G108 |  | 224845 | 1259 | SH |  | SOLE | 0 | 0 | 0 | 1259 |
| CISCO SYS INC | COM | 17275R102 |  | 259728 | 3744 | SH |  | SOLE | 0 | 0 | 0 | 3744 |
| CME GROUP INC | COM | 12572Q105 |  | 225733 | 819 | SH |  | SOLE | 0 | 0 | 0 | 819 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 467291 | 472 | SH |  | SOLE | 0 | 0 | 0 | 472 |
| DELL TECHNOLOGIES INC | CL C | 24703L202 |  | 337273 | 2751 | SH |  | SOLE | 0 | 0 | 0 | 2751 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 390253 | 5823 | SH |  | SOLE | 0 | 0 | 0 | 5823 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 369862 | 3431 | SH |  | SOLE | 0 | 0 | 0 | 3431 |
| FIDELITY COVINGTON TRUST | ENHANCED INTL | 31609A404 |  | 1104099 | 33196 | SH |  | SOLE | 0 | 0 | 0 | 33196 |
| GLOBAL X FDS | DEFENSE TECH ETF | 37960A529 |  | 5577584 | 92574 | SH |  | SOLE | 0 | 0 | 0 | 92574 |
| GLOBAL X FDS | US INFR DEV ETF | 37954Y673 |  | 1016935 | 23335 | SH |  | SOLE | 0 | 0 | 0 | 23335 |
| GLOBAL X FDS | S 500 QLT ETF | 37954Y616 |  | 276199 | 8152 | SH |  | SOLE | 0 | 0 | 0 | 8152 |
| GLOBAL X FDS | RBTCS ARTFL INTE | 37954Y715 |  | 494811 | 15155 | SH |  | SOLE | 0 | 0 | 0 | 15155 |
| HOME DEPOT INC | COM | 437076102 |  | 605952 | 1653 | SH |  | SOLE | 0 | 0 | 0 | 1653 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 1438558 | 6334 | SH |  | SOLE | 0 | 0 | 0 | 6334 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 497230 | 4421 | SH |  | SOLE | 0 | 0 | 0 | 4421 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 1631551 | 8977 | SH |  | SOLE | 0 | 0 | 0 | 8977 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 745048 | 1351 | SH |  | SOLE | 0 | 0 | 0 | 1351 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 572252 | 9349 | SH |  | SOLE | 0 | 0 | 0 | 9349 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 7389036 | 118490 | SH |  | SOLE | 0 | 0 | 0 | 118490 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 1111201 | 17599 | SH |  | SOLE | 0 | 0 | 0 | 17599 |
| ISHARES INC | MSCI EQUAL WEITE | 464286681 |  | 988623 | 9974 | SH |  | SOLE | 0 | 0 | 0 | 9974 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 1230506 | 31415 | SH |  | SOLE | 0 | 0 | 0 | 31415 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 19635721 | 327098 | SH |  | SOLE | 0 | 0 | 0 | 327098 |
| ISHARES TR | ESG EAFE ETF | 46436E759 |  | 1362922 | 18309 | SH |  | SOLE | 0 | 0 | 0 | 18309 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 1003359 | 5166 | SH |  | SOLE | 0 | 0 | 0 | 5166 |
| ISHARES TR | CONV BD ETF | 46435G102 |  | 454825 | 5048 | SH |  | SOLE | 0 | 0 | 0 | 5048 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 677091 | 5014 | SH |  | SOLE | 0 | 0 | 0 | 5014 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 10024573 | 196214 | SH |  | SOLE | 0 | 0 | 0 | 196214 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 2752246 | 119767 | SH |  | SOLE | 0 | 0 | 0 | 119767 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1059785 | 9697 | SH |  | SOLE | 0 | 0 | 0 | 9697 |
| ISHARES TR | ESG ADV TTL USD | 46436E619 |  | 1596697 | 36664 | SH |  | SOLE | 0 | 0 | 0 | 36664 |
| ISHARES TR | S 100 ETF | 464287101 |  | 15404089 | 50613 | SH |  | SOLE | 0 | 0 | 0 | 50613 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 60229164 | 1302816 | SH |  | SOLE | 0 | 0 | 0 | 1302816 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 5192884 | 56067 | SH |  | SOLE | 0 | 0 | 0 | 56067 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 10279863 | 59329 | SH |  | SOLE | 0 | 0 | 0 | 59329 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 3477603 | 73151 | SH |  | SOLE | 0 | 0 | 0 | 73151 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 14195755 | 139722 | SH |  | SOLE | 0 | 0 | 0 | 139722 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 55328783 | 302641 | SH |  | SOLE | 0 | 0 | 0 | 302641 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 513818 | 5759 | SH |  | SOLE | 0 | 0 | 0 | 5759 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 2358594 | 22919 | SH |  | SOLE | 0 | 0 | 0 | 22919 |
| ISHARES TR | HIGH YLD SYSTM B | 46435G250 |  | 222658 | 4690 | SH |  | SOLE | 0 | 0 | 0 | 4690 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 263366 | 6938 | SH |  | SOLE | 0 | 0 | 0 | 6938 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 2290794 | 21926 | SH |  | SOLE | 0 | 0 | 0 | 21926 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 2631838 | 48801 | SH |  | SOLE | 0 | 0 | 0 | 48801 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 325737 | 3644 | SH |  | SOLE | 0 | 0 | 0 | 3644 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 3690260 | 158858 | SH |  | SOLE | 0 | 0 | 0 | 158858 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 26297948 | 134571 | SH |  | SOLE | 0 | 0 | 0 | 134571 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 9474403 | 107359 | SH |  | SOLE | 0 | 0 | 0 | 107359 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 33727926 | 531316 | SH |  | SOLE | 0 | 0 | 0 | 531316 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 |  | 2085006 | 22580 | SH |  | SOLE | 0 | 0 | 0 | 22580 |
| ISHARES TR | CORE S ETF | 464287200 |  | 49797534 | 80202 | SH |  | SOLE | 0 | 0 | 0 | 80202 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 258248 | 5250 | SH |  | SOLE | 0 | 0 | 0 | 5250 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 16458031 | 146947 | SH |  | SOLE | 0 | 0 | 0 | 146947 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 9227947 | 38399 | SH |  | SOLE | 0 | 0 | 0 | 38399 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 707684 | 5103 | SH |  | SOLE | 0 | 0 | 0 | 5103 |
| ISHARES TR | MBS ETF | 464288588 |  | 16815599 | 179099 | SH |  | SOLE | 0 | 0 | 0 | 179099 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 1056877 | 10654 | SH |  | SOLE | 0 | 0 | 0 | 10654 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 15058535 | 111297 | SH |  | SOLE | 0 | 0 | 0 | 111297 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 2852366 | 24555 | SH |  | SOLE | 0 | 0 | 0 | 24555 |
| ISHARES TR | U.S. UTILITS ETF | 464287697 |  | 1273674 | 12180 | SH |  | SOLE | 0 | 0 | 0 | 12180 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 405720 | 1880 | SH |  | SOLE | 0 | 0 | 0 | 1880 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 35449536 | 321976 | SH |  | SOLE | 0 | 0 | 0 | 321976 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 2880805 | 22401 | SH |  | SOLE | 0 | 0 | 0 | 22401 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 1741809 | 5129 | SH |  | SOLE | 0 | 0 | 0 | 5129 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 921672 | 14861 | SH |  | SOLE | 0 | 0 | 0 | 14861 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 3258208 | 7674 | SH |  | SOLE | 0 | 0 | 0 | 7674 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 448204 | 5369 | SH |  | SOLE | 0 | 0 | 0 | 5369 |
| ISHARES U S ETF TR | SHORT MATURITY M | 46431W838 |  | 669646 | 13321 | SH |  | SOLE | 0 | 0 | 0 | 13321 |
| J P MORGAN EXCHANGE TRADED F | INTRNL RES EQT | 46641Q134 |  | 1379449 | 19492 | SH |  | SOLE | 0 | 0 | 0 | 19492 |
| J P MORGAN EXCHANGE TRADED F | BETABUILDERS US | 46641Q241 |  | 8755049 | 189626 | SH |  | SOLE | 0 | 0 | 0 | 189626 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 312380 | 5202 | SH |  | SOLE | 0 | 0 | 0 | 5202 |
| J P MORGAN EXCHANGE TRADED F | DIV RTN EM EQT | 46641Q308 |  | 2296663 | 40712 | SH |  | SOLE | 0 | 0 | 0 | 40712 |
| J P MORGAN EXCHANGE TRADED F | USD EMRNG MKT | 46641Q746 |  | 684637 | 17571 | SH |  | SOLE | 0 | 0 | 0 | 17571 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 214156 | 1402 | SH |  | SOLE | 0 | 0 | 0 | 1402 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 507524 | 1751 | SH |  | SOLE | 0 | 0 | 0 | 1751 |
| LINCOLN ELEC HLDGS INC | COM | 533900106 |  | 1848050 | 8914 | SH |  | SOLE | 0 | 0 | 0 | 8914 |
| MICROSOFT CORP | COM | 594918104 |  | 3160527 | 6354 | SH |  | SOLE | 0 | 0 | 0 | 6354 |
| MOODYS CORP | COM | 615369105 |  | 267347 | 533 | SH |  | SOLE | 0 | 0 | 0 | 533 |
| PACER FDS TR | GLOBL CASH ETF | 69374H709 |  | 740498 | 19502 | SH |  | SOLE | 0 | 0 | 0 | 19502 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 247105 | 1551 | SH |  | SOLE | 0 | 0 | 0 | 1551 |
| QUANTA SVCS INC | COM | 74762E102 |  | 1077906 | 2851 | SH |  | SOLE | 0 | 0 | 0 | 2851 |
| READY CAPITAL CORP | COM | 75574U101 |  | 70873 | 16218 | SH |  | SOLE | 0 | 0 | 0 | 16218 |
| RTX CORPORATION | COM | 75513E101 |  | 512196 | 3508 | SH |  | SOLE | 0 | 0 | 0 | 3508 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 7718506 | 323899 | SH |  | SOLE | 0 | 0 | 0 | 323899 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 461292 | 15792 | SH |  | SOLE | 0 | 0 | 0 | 15792 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 3725886 | 152450 | SH |  | SOLE | 0 | 0 | 0 | 152450 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 669648 | 25270 | SH |  | SOLE | 0 | 0 | 0 | 25270 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 1320650 | 47082 | SH |  | SOLE | 0 | 0 | 0 | 47082 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 354248 | 1630 | SH |  | SOLE | 0 | 0 | 0 | 1630 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 3053059 | 12056 | SH |  | SOLE | 0 | 0 | 0 | 12056 |
| SELECT SECTOR SPDR TR | INDL | 81369Y704 |  | 361424 | 2450 | SH |  | SOLE | 0 | 0 | 0 | 2450 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 334818 | 2484 | SH |  | SOLE | 0 | 0 | 0 | 2484 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 473530 | 9042 | SH |  | SOLE | 0 | 0 | 0 | 9042 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 216990 | 2559 | SH |  | SOLE | 0 | 0 | 0 | 2559 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 237323 | 2931 | SH |  | SOLE | 0 | 0 | 0 | 2931 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 4297493 | 14098 | SH |  | SOLE | 0 | 0 | 0 | 14098 |
| SPDR INDEX SHS FDS | MSCI ACWI EXUS | 78463X848 |  | 327449 | 10026 | SH |  | SOLE | 0 | 0 | 0 | 10026 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 5426277 | 126960 | SH |  | SOLE | 0 | 0 | 0 | 126960 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 5310753 | 131162 | SH |  | SOLE | 0 | 0 | 0 | 131162 |
| SPDR INDEX SHS FDS | PORTFLO EURP ETF | 78463X103 |  | 1847658 | 38127 | SH |  | SOLE | 0 | 0 | 0 | 38127 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 16774009 | 27149 | SH |  | SOLE | 0 | 0 | 0 | 27149 |
| SPDR SERIES TRUST | BLOOMBERG EMERGI | 78464A391 |  | 1244603 | 58159 | SH |  | SOLE | 0 | 0 | 0 | 58159 |
| SPDR SERIES TRUST | PORTFLI INTRMDIT | 78464A672 |  | 2521247 | 87635 | SH |  | SOLE | 0 | 0 | 0 | 87635 |
| SPDR SERIES TRUST | BLOOMBERG 1 10 Y | 78468R861 |  | 1484101 | 77539 | SH |  | SOLE | 0 | 0 | 0 | 77539 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 1320012 | 14390 | SH |  | SOLE | 0 | 0 | 0 | 14390 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 4431277 | 84663 | SH |  | SOLE | 0 | 0 | 0 | 84663 |
| SPDR SERIES TRUST | PORT MTG BK ETF | 78464A383 |  | 2487608 | 112561 | SH |  | SOLE | 0 | 0 | 0 | 112561 |
| SPDR SERIES TRUST | BLOOMBERG EMG MK | 78468R515 |  | 2367912 | 96217 | SH |  | SOLE | 0 | 0 | 0 | 96217 |
| SPDR SERIES TRUST | BLOOMBERG ENHNCD | 78468R440 |  | 1805376 | 66301 | SH |  | SOLE | 0 | 0 | 0 | 66301 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 3474036 | 36446 | SH |  | SOLE | 0 | 0 | 0 | 36446 |
| SPDR SERIES TRUST | PORTFOLIO AGRGTE | 78464A649 |  | 3491635 | 136392 | SH |  | SOLE | 0 | 0 | 0 | 136392 |
| SPDR SERIES TRUST | PORTFOLIO LN TSR | 78464A664 |  | 1676626 | 63078 | SH |  | SOLE | 0 | 0 | 0 | 63078 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 2610119 | 61270 | SH |  | SOLE | 0 | 0 | 0 | 61270 |
| SPDR SERIES TRUST | MSCI USA STRTGIC | 78468R812 |  | 9036595 | 55409 | SH |  | SOLE | 0 | 0 | 0 | 55409 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 3878104 | 71315 | SH |  | SOLE | 0 | 0 | 0 | 71315 |
| SPDR SERIES TRUST | S | 78468R705 |  | 933792 | 3503 | SH |  | SOLE | 0 | 0 | 0 | 3503 |
| SPDR SERIES TRUST | PORTFOLIO LN COR | 78464A367 |  | 3049732 | 135123 | SH |  | SOLE | 0 | 0 | 0 | 135123 |
| SSGA ACTIVE ETF TR | SPDR TR TACTIC | 78467V848 |  | 12528661 | 312358 | SH |  | SOLE | 0 | 0 | 0 | 312358 |
| SSGA ACTIVE TR | SPDR SSGA US SCT | 78470P408 |  | 9121395 | 166085 | SH |  | SOLE | 0 | 0 | 0 | 166085 |
| SSGA ACTIVE TR | SPDR BLACKSTONE | 78470P846 |  | 2159120 | 75520 | SH |  | SOLE | 0 | 0 | 0 | 75520 |
| STRYKER CORPORATION | COM | 863667101 |  | 239356 | 605 | SH |  | SOLE | 0 | 0 | 0 | 605 |
| T ROWE PRICE ETF INC | CAP APPRECIATION | 87283Q867 |  | 5168449 | 146498 | SH |  | SOLE | 0 | 0 | 0 | 146498 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 228274 | 563 | SH |  | SOLE | 0 | 0 | 0 | 563 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 1359594 | 27461 | SH |  | SOLE | 0 | 0 | 0 | 27461 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 6445979 | 11348 | SH |  | SOLE | 0 | 0 | 0 | 11348 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1852149 | 6094 | SH |  | SOLE | 0 | 0 | 0 | 6094 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 3603751 | 72862 | SH |  | SOLE | 0 | 0 | 0 | 72862 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 3538798 | 27535 | SH |  | SOLE | 0 | 0 | 0 | 27535 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 253713 | 5047 | SH |  | SOLE | 0 | 0 | 0 | 5047 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 201620 | 3371 | SH |  | SOLE | 0 | 0 | 0 | 3371 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 221137 | 3879 | SH |  | SOLE | 0 | 0 | 0 | 3879 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 3925895 | 10722 | SH |  | SOLE | 0 | 0 | 0 | 10722 |
| VANGUARD WORLD FD | EXTENDED DUR | 921910709 |  | 2128901 | 31633 | SH |  | SOLE | 0 | 0 | 0 | 31633 |
| VERISK ANALYTICS INC | COM | 92345Y106 |  | 286580 | 920 | SH |  | SOLE | 0 | 0 | 0 | 920 |
| WISDOMTREE TR | INTL QULTY DIV | 97717X131 |  | 1944121 | 49044 | SH |  | SOLE | 0 | 0 | 0 | 49044 |

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