# EDGAR Filing Document

**Accession Number:** 0001768302
**File Stem:** 0001768302-23-000001
**Filing Date:** 2023-2
**Character Count:** 21231
**Document Hash:** a44dfc3a9c978da5a353e7dfa464b9bb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001768302-23-000001.hdr.sgml**: 20230214

**ACCESSION NUMBER**: 0001768302-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230214

**DATE AS OF CHANGE**: 20230214

**EFFECTIVENESS DATE**: 20230214

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** ERn Financial, LLC
- **CENTRAL INDEX KEY:** 0001768302
- **IRS NUMBER:** 825499775
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19425
- **FILM NUMBER:** 23627657

**BUSINESS ADDRESS:**
- **STREET 1:** 8215 GREENWAY BOULEVARD
- **STREET 2:** SUITE 540
- **CITY:** MIDDLETON
- **STATE:** WI
- **ZIP:** 53562
- **BUSINESS PHONE:** 6086651714

**MAIL ADDRESS:**
- **STREET 1:** 8215 GREENWAY BOULEVARD
- **STREET 2:** SUITE 540
- **CITY:** MIDDLETON
- **STATE:** WI
- **ZIP:** 53562

### 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:** ERn Financial LLC<br>**Address:** 8215 GREENWAY BOULEVARD<br>SUITE 540<br>MIDDLETON, WI 53562

**Form 13F File Number:** 028-19425

**CRD Number (if applicable):** 000297717

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:** Scott O. Conwell<br>**Title:** CCO<br>**Phone:** 6086651714

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

Scott O. Conwell  Middleton, WI  02-14-2023<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:** 0

**Form 13F Information Table Entry Total:** 172

**Form 13F Information Table Value Total:** $438725809

      (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 |
| 3M CO | COM | 88579Y101 |  | 219787 | 1833 | SH |  | SOLE | 0 | 0 | 0 | 1833 |
| ABBVIE INC | COM | 00287Y109 |  | 229807 | 1422 | SH |  | SOLE | 0 | 0 | 0 | 1422 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 989082 | 3707 | SH |  | SOLE | 0 | 0 | 0 | 3707 |
| ADOBE SYSTEMS INCORPORATED | COM | 00724F101 |  | 548116 | 1629 | SH |  | SOLE | 0 | 0 | 0 | 1629 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1146108 | 12990 | SH |  | SOLE | 0 | 0 | 0 | 12990 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 335932 | 3786 | SH |  | SOLE | 0 | 0 | 0 | 3786 |
| ALPS ETF TR | CLEAN ENERGY | 00162Q460 |  | 1981668 | 43563 | SH |  | SOLE | 0 | 0 | 0 | 43563 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 419280 | 9173 | SH |  | SOLE | 0 | 0 | 0 | 9173 |
| AMAZON COM INC | COM | 023135106 |  | 1452400 | 17290 | SH |  | SOLE | 0 | 0 | 0 | 17290 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 2578950 | 34612 | SH |  | SOLE | 0 | 0 | 0 | 34612 |
| AMERICAN CENTY ETF TR | FOCUSED LRG CAP | 025072794 |  | 9760851 | 166001 | SH |  | SOLE | 0 | 0 | 0 | 166001 |
| AMERICAN CENTY ETF TR | FOCUSED DYNAMIC | 025072810 |  | 3439288 | 66293 | SH |  | SOLE | 0 | 0 | 0 | 66293 |
| AMERICAN CENTY ETF TR | DIVERSIFIED MU | 025072505 |  | 1643754 | 33594 | SH |  | SOLE | 0 | 0 | 0 | 33594 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 8855664 | 175533 | SH |  | SOLE | 0 | 0 | 0 | 175533 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 213936 | 2253 | SH |  | SOLE | 0 | 0 | 0 | 2253 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 439556 | 2975 | SH |  | SOLE | 0 | 0 | 0 | 2975 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 551748 | 1772 | SH |  | SOLE | 0 | 0 | 0 | 1772 |
| APPLE INC | COM | 037833100 |  | 4863283 | 37430 | SH |  | SOLE | 0 | 0 | 0 | 37430 |
| AT INC | COM | 00206R102 |  | 485227 | 26357 | SH |  | SOLE | 0 | 0 | 0 | 26357 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1198532 | 3880 | SH |  | SOLE | 0 | 0 | 0 | 3880 |
| BLACKROCK INC | COM | 09247X101 |  | 551323 | 778 | SH |  | SOLE | 0 | 0 | 0 | 778 |
| BOEING CO | COM | 097023105 |  | 229731 | 1206 | SH |  | SOLE | 0 | 0 | 0 | 1206 |
| CAMDEN PPTY TR | SH BEN INT | 133131102 |  | 273611 | 2446 | SH |  | SOLE | 0 | 0 | 0 | 2446 |
| CHEVRON CORP NEW | COM | 166764100 |  | 942666 | 5252 | SH |  | SOLE | 0 | 0 | 0 | 5252 |
| CHIPOTLE MEXICAN GRILL INC | COM | 169656105 |  | 391272 | 282 | SH |  | SOLE | 0 | 0 | 0 | 282 |
| COINBASE GLOBAL INC | COM CL A | 19260Q107 |  | 234671 | 6631 | SH |  | SOLE | 0 | 0 | 0 | 6631 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 977332 | 2141 | SH |  | SOLE | 0 | 0 | 0 | 2141 |
| CREDIT ACCEP CORP MICH | COM | 225310101 |  | 996240 | 2100 | SH |  | SOLE | 0 | 0 | 0 | 2100 |
| DEERE  CO | COM | 244199105 |  | 1662536 | 3878 | SH |  | SOLE | 0 | 0 | 0 | 3878 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 5680637 | 210238 | SH |  | SOLE | 0 | 0 | 0 | 210238 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 3941346 | 157402 | SH |  | SOLE | 0 | 0 | 0 | 157402 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 795049 | 32745 | SH |  | SOLE | 0 | 0 | 0 | 32745 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 6064503 | 280764 | SH |  | SOLE | 0 | 0 | 0 | 280764 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 1158159 | 27894 | SH |  | SOLE | 0 | 0 | 0 | 27894 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 729081 | 33895 | SH |  | SOLE | 0 | 0 | 0 | 33895 |
| DISNEY WALT CO | COM | 254687106 |  | 727824 | 8377 | SH |  | SOLE | 0 | 0 | 0 | 8377 |
| ENBRIDGE INC | COM | 29250N105 |  | 411532 | 10525 | SH |  | SOLE | 0 | 0 | 0 | 10525 |
| EXACT SCIENCES CORP | COM | 30063P105 |  | 357908 | 7229 | SH |  | SOLE | 0 | 0 | 0 | 7229 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1381582 | 12526 | SH |  | SOLE | 0 | 0 | 0 | 12526 |
| FAIR ISAAC CORP | COM | 303250104 |  | 816463 | 1364 | SH |  | SOLE | 0 | 0 | 0 | 1364 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 480447 | 10672 | SH |  | SOLE | 0 | 0 | 0 | 10672 |
| FIDELITY NATL INFORMATION SV | COM | 31620M106 |  | 410281 | 6047 | SH |  | SOLE | 0 | 0 | 0 | 6047 |
| FIRST REP BK SAN FRANCISCO C | COM | 33616C100 |  | 457129 | 3750 | SH |  | SOLE | 0 | 0 | 0 | 3750 |
| FIRST TR EXCH TRADED FD III | SHRT DUR MNG MUN | 33739P830 |  | 1752379 | 88773 | SH |  | SOLE | 0 | 0 | 0 | 88773 |
| FIRST TR EXCH TRADED FD III | MANAGD MUN ETF | 33739N108 |  | 10565192 | 210840 | SH |  | SOLE | 0 | 0 | 0 | 210840 |
| FIRST TR EXCH TRADED FD III | RIVRFRNT DYN DEV | 33739P608 |  | 554683 | 10434 | SH |  | SOLE | 0 | 0 | 0 | 10434 |
| FIRST TR EXCHANGE TRADED FD | HLTH CARE ALPH | 33734X143 |  | 4919910 | 45249 | SH |  | SOLE | 0 | 0 | 0 | 45249 |
| FIRST TR EXCHANGE TRADED FD | CLOUD COMPUTING | 33734X192 |  | 1883143 | 32688 | SH |  | SOLE | 0 | 0 | 0 | 32688 |
| FIRST TR EXCHANGE-TRADED FD | CAP STRENGTH ETF | 33733E104 |  | 4173560 | 55685 | SH |  | SOLE | 0 | 0 | 0 | 55685 |
| FIRST TR EXCHANGE-TRADED FD | FST LOW OPPT EFT | 33739Q200 |  | 13729601 | 289593 | SH |  | SOLE | 0 | 0 | 0 | 289593 |
| FIRST TR EXCHNG TRADED FD VI | SKYBRIDGE CRYPTO | 33740F540 |  | 336780 | 102343 | SH |  | SOLE | 0 | 0 | 0 | 102343 |
| FIRST TR EXCHNG TRADED FD VI | CBOE EQT BUFER | 33740F847 |  | 6552694 | 184479 | SH |  | SOLE | 0 | 0 | 0 | 184479 |
| FIRST TR EXCHNG TRADED FD VI | TCW OPPORTUNIS | 33740F805 |  | 7106277 | 161800 | SH |  | SOLE | 0 | 0 | 0 | 161800 |
| FIRST TR VALUE LINE DIVID IN | SHS | 33734H106 |  | 3018147 | 75624 | SH |  | SOLE | 0 | 0 | 0 | 75624 |
| FISERV INC | COM | 337738108 |  | 439149 | 4345 | SH |  | SOLE | 0 | 0 | 0 | 4345 |
| FLEXSHARES TR | STOXX GLOBR INF | 33939L795 |  | 576423 | 11435 | SH |  | SOLE | 0 | 0 | 0 | 11435 |
| FORD MTR CO DEL | COM | 345370860 |  | 262867 | 22603 | SH |  | SOLE | 0 | 0 | 0 | 22603 |
| GALLAGHER ARTHUR J  CO | COM | 363576109 |  | 408378 | 2166 | SH |  | SOLE | 0 | 0 | 0 | 2166 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 326761 | 1317 | SH |  | SOLE | 0 | 0 | 0 | 1317 |
| GLOBAL X FDS | CYBRSCURTY ETF | 37954Y384 |  | 1393981 | 67180 | SH |  | SOLE | 0 | 0 | 0 | 67180 |
| GLOBAL X FDS | LITHIUM BTRY ETF | 37954Y855 |  | 911141 | 15546 | SH |  | SOLE | 0 | 0 | 0 | 15546 |
| GXO LOGISTICS INCORPORATED | COMMON STOCK | 36262G101 |  | 206107 | 4828 | SH |  | SOLE | 0 | 0 | 0 | 4828 |
| HARTFORD FDS EXCHANGE TRADED | MUN OPORTUNITE | 41653L503 |  | 7921216 | 210895 | SH |  | SOLE | 0 | 0 | 0 | 210895 |
| HCA HEALTHCARE INC | COM | 40412C101 |  | 635389 | 2648 | SH |  | SOLE | 0 | 0 | 0 | 2648 |
| HOME DEPOT INC | COM | 437076102 |  | 843916 | 2672 | SH |  | SOLE | 0 | 0 | 0 | 2672 |
| HONEYWELL INTL INC | COM | 438516106 |  | 893109 | 4168 | SH |  | SOLE | 0 | 0 | 0 | 4168 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 265662 | 1886 | SH |  | SOLE | 0 | 0 | 0 | 1886 |
| INVESCO EXCH TRADED FD TR II | S 500 REVENUE | 46138G698 |  | 27858818 | 376776 | SH |  | SOLE | 0 | 0 | 0 | 376776 |
| INVESCO EXCH TRADED FD TR II | KBW BK ETF | 46138E628 |  | 2041362 | 39546 | SH |  | SOLE | 0 | 0 | 0 | 39546 |
| INVESCO EXCH TRADED FD TR II | S MIDCP LOW | 46138E198 |  | 411926 | 7701 | SH |  | SOLE | 0 | 0 | 0 | 7701 |
| INVESCO EXCH TRD SLF IDX FD | RUSL 2000 DYNM | 46138J593 |  | 633076 | 18522 | SH |  | SOLE | 0 | 0 | 0 | 18522 |
| INVESCO EXCH TRD SLF IDX FD | RUSL 1000 DYNM | 46138J619 |  | 17757861 | 413551 | SH |  | SOLE | 0 | 0 | 0 | 413551 |
| INVESCO EXCHANGE TRADED FD T | S SMLCP MOMENT | 46137V498 |  | 417995 | 8865 | SH |  | SOLE | 0 | 0 | 0 | 8865 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 291577 | 1095 | SH |  | SOLE | 0 | 0 | 0 | 1095 |
| ISHARES INC | MSCI THAILND ETF | 464286624 |  | 1669592 | 22205 | SH |  | SOLE | 0 | 0 | 0 | 22205 |
| ISHARES INC | MSCI MLY ETF NEW | 46434G814 |  | 1096913 | 48026 | SH |  | SOLE | 0 | 0 | 0 | 48026 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 |  | 250078 | 4714 | SH |  | SOLE | 0 | 0 | 0 | 4714 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 5406070 | 57122 | SH |  | SOLE | 0 | 0 | 0 | 57122 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 650789 | 9214 | SH |  | SOLE | 0 | 0 | 0 | 9214 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 |  | 2503824 | 39378 | SH |  | SOLE | 0 | 0 | 0 | 39378 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 8914792 | 78227 | SH |  | SOLE | 0 | 0 | 0 | 78227 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 551033 | 8382 | SH |  | SOLE | 0 | 0 | 0 | 8382 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 242590 | 2299 | SH |  | SOLE | 0 | 0 | 0 | 2299 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 564520 | 6661 | SH |  | SOLE | 0 | 0 | 0 | 6661 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 5453148 | 83077 | SH |  | SOLE | 0 | 0 | 0 | 83077 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 |  | 4716949 | 207704 | SH |  | SOLE | 0 | 0 | 0 | 207704 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 6618740 | 107377 | SH |  | SOLE | 0 | 0 | 0 | 107377 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 1621589 | 42786 | SH |  | SOLE | 0 | 0 | 0 | 42786 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 2062947 | 8528 | SH |  | SOLE | 0 | 0 | 0 | 8528 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 268443 | 1253 | SH |  | SOLE | 0 | 0 | 0 | 1253 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 1675130 | 11479 | SH |  | SOLE | 0 | 0 | 0 | 11479 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2149226 | 5594 | SH |  | SOLE | 0 | 0 | 0 | 5594 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 206217 | 2462 | SH |  | SOLE | 0 | 0 | 0 | 2462 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 329386 | 2997 | SH |  | SOLE | 0 | 0 | 0 | 2997 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 6658928 | 134660 | SH |  | SOLE | 0 | 0 | 0 | 134660 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 287004 | 7019 | SH |  | SOLE | 0 | 0 | 0 | 7019 |
| J P MORGAN EXCHANGE TRADED F | CORE PLUS BD ETF | 46641Q670 |  | 292987 | 6379 | SH |  | SOLE | 0 | 0 | 0 | 6379 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 1982943 | 39239 | SH |  | SOLE | 0 | 0 | 0 | 39239 |
| JOHN HANCOCK EXCHANGE TRADED | MULTIFACTOR MI | 47804J206 |  | 10179565 | 218727 | SH |  | SOLE | 0 | 0 | 0 | 218727 |
| JOHN HANCOCK EXCHANGE TRADED | MLTFCTR LRG CAP | 47804J107 |  | 2719043 | 55209 | SH |  | SOLE | 0 | 0 | 0 | 55209 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1096349 | 6206 | SH |  | SOLE | 0 | 0 | 0 | 6206 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 965920 | 7203 | SH |  | SOLE | 0 | 0 | 0 | 7203 |
| KLA CORP | COM NEW | 482480100 |  | 581303 | 1542 | SH |  | SOLE | 0 | 0 | 0 | 1542 |
| LILLY ELI  CO | COM | 532457108 |  | 327886 | 896 | SH |  | SOLE | 0 | 0 | 0 | 896 |
| MCDONALDS CORP | COM | 580135101 |  | 427446 | 1622 | SH |  | SOLE | 0 | 0 | 0 | 1622 |
| MERCK  CO INC | COM | 58933Y105 |  | 286362 | 2581 | SH |  | SOLE | 0 | 0 | 0 | 2581 |
| MGE ENERGY INC | COM | 55277P104 |  | 217256 | 3086 | SH |  | SOLE | 0 | 0 | 0 | 3086 |
| MICROSOFT CORP | COM | 594918104 |  | 2495990 | 10408 | SH |  | SOLE | 0 | 0 | 0 | 10408 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 765035 | 9151 | SH |  | SOLE | 0 | 0 | 0 | 9151 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 770563 | 5273 | SH |  | SOLE | 0 | 0 | 0 | 5273 |
| ORACLE CORP | COM | 68389X105 |  | 648280 | 7931 | SH |  | SOLE | 0 | 0 | 0 | 7931 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 1729241 | 37389 | SH |  | SOLE | 0 | 0 | 0 | 37389 |
| PAYPAL HLDGS INC | COM | 70450Y103 |  | 385728 | 5416 | SH |  | SOLE | 0 | 0 | 0 | 5416 |
| PEPSICO INC | COM | 713448108 |  | 856133 | 4739 | SH |  | SOLE | 0 | 0 | 0 | 4739 |
| PFIZER INC | COM | 717081103 |  | 261523 | 5104 | SH |  | SOLE | 0 | 0 | 0 | 5104 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 486932 | 4811 | SH |  | SOLE | 0 | 0 | 0 | 4811 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 6201926 | 120707 | SH |  | SOLE | 0 | 0 | 0 | 120707 |
| PINNACLE WEST CAP CORP | COM | 723484101 |  | 411833 | 5416 | SH |  | SOLE | 0 | 0 | 0 | 5416 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 274576 | 1812 | SH |  | SOLE | 0 | 0 | 0 | 1812 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 263955 | 2615 | SH |  | SOLE | 0 | 0 | 0 | 2615 |
| REYNOLDS CONSUMER PRODS INC | COM | 76171L106 |  | 343956 | 11473 | SH |  | SOLE | 0 | 0 | 0 | 11473 |
| ROCKWELL AUTOMATION INC | COM | 773903109 |  | 242245 | 941 | SH |  | SOLE | 0 | 0 | 0 | 941 |
| S GLOBAL INC | COM | 78409V104 |  | 792216 | 2365 | SH |  | SOLE | 0 | 0 | 0 | 2365 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 296447 | 6566 | SH |  | SOLE | 0 | 0 | 0 | 6566 |
| SELECT SECTOR SPDR TR | SBI MATERIALS | 81369Y100 |  | 483126 | 6219 | SH |  | SOLE | 0 | 0 | 0 | 6219 |
| SILVERGATE CAP CORP | CL A | 82837P408 |  | 185432 | 10657 | SH |  | SOLE | 0 | 0 | 0 | 10657 |
| SOLAREDGE TECHNOLOGIES INC | COM | 83417M104 |  | 630276 | 2225 | SH |  | SOLE | 0 | 0 | 0 | 2225 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 12300471 | 373194 | SH |  | SOLE | 0 | 0 | 0 | 373194 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 13870711 | 467185 | SH |  | SOLE | 0 | 0 | 0 | 467185 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1056438 | 2762 | SH |  | SOLE | 0 | 0 | 0 | 2762 |
| SPDR SER TR | PORTFLI TIPS ETF | 78464A656 |  | 3910235 | 151795 | SH |  | SOLE | 0 | 0 | 0 | 151795 |
| SPDR SER TR | BLOOMBERG 3-12 M | 78468R523 |  | 758873 | 7643 | SH |  | SOLE | 0 | 0 | 0 | 7643 |
| SPDR SER TR | S 600 SMCP VAL | 78464A300 |  | 1959969 | 26408 | SH |  | SOLE | 0 | 0 | 0 | 26408 |
| SPDR SER TR | S 600 SMCP GRW | 78464A201 |  | 4478160 | 61990 | SH |  | SOLE | 0 | 0 | 0 | 61990 |
| SPDR SER TR | S 400 MDCP GRW | 78464A821 |  | 4801887 | 73491 | SH |  | SOLE | 0 | 0 | 0 | 73491 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 3048333 | 121303 | SH |  | SOLE | 0 | 0 | 0 | 121303 |
| SPDR SER TR | PORTFOLIO S | 78468R853 |  | 2203056 | 59590 | SH |  | SOLE | 0 | 0 | 0 | 59590 |
| SPDR SER TR | PRTFLO S GW | 78464A409 |  | 10531265 | 207840 | SH |  | SOLE | 0 | 0 | 0 | 207840 |
| SPDR SER TR | S 400 MDCP VAL | 78464A839 |  | 12359263 | 190965 | SH |  | SOLE | 0 | 0 | 0 | 190965 |
| SPDR SER TR | S OILGAS EXP | 78468R556 |  | 318441 | 2344 | SH |  | SOLE | 0 | 0 | 0 | 2344 |
| SPDR SER TR | PORTFOLIO S | 78464A847 |  | 504178 | 11863 | SH |  | SOLE | 0 | 0 | 0 | 11863 |
| SPDR SER TR | PORTFOLIO S | 78464A854 |  | 2507332 | 55743 | SH |  | SOLE | 0 | 0 | 0 | 55743 |
| SPDR SER TR | BBG CONV SEC ETF | 78464A359 |  | 347839 | 5406 | SH |  | SOLE | 0 | 0 | 0 | 5406 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 5695571 | 146453 | SH |  | SOLE | 0 | 0 | 0 | 146453 |
| STRYKER CORPORATION | COM | 863667101 |  | 1188397 | 4861 | SH |  | SOLE | 0 | 0 | 0 | 4861 |
| T ROWE PRICE ETF INC | PRICE BLUE CHIP | 87283Q107 |  | 2000614 | 97023 | SH |  | SOLE | 0 | 0 | 0 | 97023 |
| TARGET CORP | COM | 87612E106 |  | 537840 | 3609 | SH |  | SOLE | 0 | 0 | 0 | 3609 |
| TESLA INC | COM | 88160R101 |  | 1603543 | 13018 | SH |  | SOLE | 0 | 0 | 0 | 13018 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 832085 | 1511 | SH |  | SOLE | 0 | 0 | 0 | 1511 |
| UNION PAC CORP | COM | 907818108 |  | 1044616 | 5045 | SH |  | SOLE | 0 | 0 | 0 | 5045 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 1252255 | 2362 | SH |  | SOLE | 0 | 0 | 0 | 2362 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 1314911 | 6479 | SH |  | SOLE | 0 | 0 | 0 | 6479 |
| VANECK ETF TRUST | INDONESIA INDEX | 92189F833 |  | 1087514 | 62645 | SH |  | SOLE | 0 | 0 | 0 | 62645 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 22248030 | 105471 | SH |  | SOLE | 0 | 0 | 0 | 105471 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 2096710 | 14937 | SH |  | SOLE | 0 | 0 | 0 | 14937 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 5132767 | 24085 | SH |  | SOLE | 0 | 0 | 0 | 24085 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 372728 | 1950 | SH |  | SOLE | 0 | 0 | 0 | 1950 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 575017 | 4252 | SH |  | SOLE | 0 | 0 | 0 | 4252 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 745356 | 4061 | SH |  | SOLE | 0 | 0 | 0 | 4061 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 2362973 | 11594 | SH |  | SOLE | 0 | 0 | 0 | 11594 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 705728 | 3519 | SH |  | SOLE | 0 | 0 | 0 | 3519 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 3950368 | 11244 | SH |  | SOLE | 0 | 0 | 0 | 11244 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 1641404 | 9131 | SH |  | SOLE | 0 | 0 | 0 | 9131 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 390251 | 2457 | SH |  | SOLE | 0 | 0 | 0 | 2457 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 6384515 | 136684 | SH |  | SOLE | 0 | 0 | 0 | 136684 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 3193763 | 57942 | SH |  | SOLE | 0 | 0 | 0 | 57942 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 931919 | 6137 | SH |  | SOLE | 0 | 0 | 0 | 6137 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 13180305 | 314041 | SH |  | SOLE | 0 | 0 | 0 | 314041 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 205837 | 5224 | SH |  | SOLE | 0 | 0 | 0 | 5224 |
| VISA INC | COM CL A | 92826C839 |  | 922568 | 4441 | SH |  | SOLE | 0 | 0 | 0 | 4441 |
| WALMART INC | COM | 931142103 |  | 335223 | 2364 | SH |  | SOLE | 0 | 0 | 0 | 2364 |
| ZILLOW GROUP INC | CL C CAP STK | 98954M200 |  | 222797 | 6917 | SH |  | SOLE | 0 | 0 | 0 | 6917 |

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