# EDGAR Filing Document

**Accession Number:** 0001566653
**File Stem:** 0001062993-25-016827
**Filing Date:** 2025-11
**Character Count:** 20937
**Document Hash:** 5d6d7ed0deb8b5013a0b21a2cd792f95
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001062993-25-016827.hdr.sgml**: 20251114

**ACCESSION NUMBER**: 0001062993-25-016827

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251114

**DATE AS OF CHANGE**: 20251114

**EFFECTIVENESS DATE**: 20251114

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Freedom Investment Management, Inc.
- **CENTRAL INDEX KEY:** 0001566653

**ORGANIZATION NAME:**
- **EIN:** 680540584
- **STATE OF INCORPORATION:** IL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-15088
- **FILM NUMBER:** 251484237

**BUSINESS ADDRESS:**
- **STREET 1:** 100 CONSTITUTION PLZ
- **STREET 2:** FL 7
- **CITY:** HARTFORD
- **STATE:** CT
- **ZIP:** 06103-1703
- **BUSINESS PHONE:** 860-291-1998

**MAIL ADDRESS:**
- **STREET 1:** 100 CONSTITUTION PLZ
- **STREET 2:** FL 7
- **CITY:** HARTFORD
- **STATE:** CT
- **ZIP:** 06103-1703

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Eqis Capital Management, Inc.
- **DATE OF NAME CHANGE:** 20130110

### 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:** Freedom Investment Management Inc.<br>**Address:** 100 CONSTITUTION PLZ<br>FL 7<br>HARTFORD, CT 06103-1703

**Form 13F File Number:** 028-15088

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:** John O'Connor<br>**Title:** President / CCO<br>**Phone:** (860) 969-3670

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

John O'Connor  Hartford, CT  11-14-2025<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:** 1

**Form 13F Information Table Entry Total:** 164

**Form 13F Information Table Value Total:** $378272093

      (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   |
|:---|:---|:---|
|  | GeoWealth Management LLC |  |

### 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 |
| INTUIT | COM | 461202103 |  | 224843 | 329 | SH |  | SOLE |  | 0 | 0 | 329 |
| VISA INC | COM CL A | 92826C839 |  | 300076 | 879 | SH |  | SOLE |  | 0 | 0 | 879 |
| APPLE INC | COM | 037833100 |  | 2765516 | 10861 | SH |  | SOLE |  | 0 | 0 | 10861 |
| DBX ETF TR | XTRACK MUN INFRA | 233051705 |  | 1496837 | 60674 | SH |  | SOLE |  | 0 | 0 | 60674 |
| ISHARES TR | ESG EAFE ETF | 46436E759 |  | 469058 | 6193 | SH |  | SOLE |  | 0 | 0 | 6193 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 430937 | 8412 | SH |  | SOLE |  | 0 | 0 | 8412 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 10720 | 123 | SH |  | SOLE | 1 | 0 | 0 | 123 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1012758 | 11600 | SH |  | SOLE |  | 0 | 0 | 11600 |
| ISHARES TR | CORE MSCI EURO | 46434V738 |  | 354527 | 5204 | SH |  | SOLE |  | 0 | 0 | 5204 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 19104 | 409 | SH |  | SOLE | 1 | 0 | 0 | 409 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 471911 | 10103 | SH |  | SOLE |  | 0 | 0 | 10103 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 349026 | 5146 | SH |  | SOLE |  | 0 | 0 | 5146 |
| ISHARES TR | CORE S ETF | 464287200 |  | 836176 | 1249 | SH |  | SOLE |  | 0 | 0 | 1249 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 203996 | 795 | SH |  | SOLE |  | 0 | 0 | 795 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 209460 | 1014 | SH |  | SOLE |  | 0 | 0 | 1014 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 225406 | 1593 | SH |  | SOLE |  | 0 | 0 | 1593 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 335463 | 5140 | SH |  | SOLE |  | 0 | 0 | 5140 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 976 | 10 | SH |  | SOLE | 1 | 0 | 0 | 10 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 751782 | 7499 | SH |  | SOLE |  | 0 | 0 | 7499 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 236748 | 4131 | SH |  | SOLE |  | 0 | 0 | 4131 |
| ISHARES TR | GLB INFRASTR ETF | 464288372 |  | 404737 | 6622 | SH |  | SOLE |  | 0 | 0 | 6622 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 408589 | 7554 | SH |  | SOLE |  | 0 | 0 | 7554 |
| ISHARES TR | MSCI INTL VLU FT | 46435G409 |  | 12879287 | 363001 | SH |  | SOLE |  | 0 | 0 | 363001 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 592037 | 3044 | SH |  | SOLE |  | 0 | 0 | 3044 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 353547 | 3320 | SH |  | SOLE |  | 0 | 0 | 3320 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 222798 | 1564 | SH |  | SOLE |  | 0 | 0 | 1564 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 245924 | 1761 | SH |  | SOLE |  | 0 | 0 | 1761 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 385752 | 1594 | SH |  | SOLE |  | 0 | 0 | 1594 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 377153 | 3124 | SH |  | SOLE |  | 0 | 0 | 3124 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 8438 | 128 | SH |  | SOLE | 1 | 0 | 0 | 128 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 208695 | 3166 | SH |  | SOLE |  | 0 | 0 | 3166 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 465679 | 10725 | SH |  | SOLE |  | 0 | 0 | 10725 |
| ISHARES INC | MSCI GBL MIN VOL | 464286525 |  | 311792 | 2600 | SH |  | SOLE |  | 0 | 0 | 2600 |
| ORACLE CORP | COM | 68389X105 |  | 422230 | 1501 | SH |  | SOLE |  | 0 | 0 | 1501 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 479763 | 1974 | SH |  | SOLE |  | 0 | 0 | 1974 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 462087 | 1897 | SH |  | SOLE |  | 0 | 0 | 1897 |
| GLOBAL X FDS | CONSCIOUS COS | 37954Y731 |  | 751854 | 17426 | SH |  | SOLE |  | 0 | 0 | 17426 |
| GLOBAL X FDS | CLOUD COMPUTNG | 37954Y442 |  | 398339 | 17125 | SH |  | SOLE |  | 0 | 0 | 17125 |
| GLOBAL X FDS | CYBRSCURTY ETF | 37954Y384 |  | 435171 | 12366 | SH |  | SOLE |  | 0 | 0 | 12366 |
| GLOBAL X FDS | E COMMERCE ETF | 37954Y467 |  | 343616 | 9805 | SH |  | SOLE |  | 0 | 0 | 9805 |
| GLOBAL X FDS | RBTCS ARTFL INTE | 37954Y715 |  | 945365 | 26683 | SH |  | SOLE |  | 0 | 0 | 26683 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 |  | 77810 | 834 | SH |  | SOLE | 1 | 0 | 0 | 834 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 |  | 9495222 | 101716 | SH |  | SOLE |  | 0 | 0 | 101716 |
| PIMCO ETF TR | MULTISECTOR BD | 72201R585 |  | 61921 | 2307 | SH |  | SOLE | 1 | 0 | 0 | 2307 |
| PIMCO ETF TR | MULTISECTOR BD | 72201R585 |  | 351261 | 13087 | SH |  | SOLE |  | 0 | 0 | 13087 |
| STRATEGY SHS | DAY HAGAN SMART | 86280R803 |  | 237629 | 4919 | SH |  | SOLE |  | 0 | 0 | 4919 |
| MCKESSON CORP | COM | 58155Q103 |  | 237281 | 307 | SH |  | SOLE |  | 0 | 0 | 307 |
| WISDOMTREE TR | INTL SMCAP DIV | 97717W760 |  | 439861 | 5532 | SH |  | SOLE |  | 0 | 0 | 5532 |
| WISDOMTREE TR | US MIDCAP FUND | 97717W570 |  | 20600003 | 312547 | SH |  | SOLE |  | 0 | 0 | 312547 |
| WISDOMTREE TR | US SMALLCAP FUND | 97717W562 |  | 393340 | 7040 | SH |  | SOLE |  | 0 | 0 | 7040 |
| WISDOMTREE TR | YIELD ENHANCD US | 97717X511 |  | 3287695 | 74265 | SH |  | SOLE |  | 0 | 0 | 74265 |
| AMAZON COM INC | COM | 023135106 |  | 357941 | 1630 | SH |  | SOLE |  | 0 | 0 | 1630 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 492904 | 821 | SH |  | SOLE |  | 0 | 0 | 821 |
| MICROSOFT CORP | COM | 594918104 |  | 626261 | 1209 | SH |  | SOLE |  | 0 | 0 | 1209 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 220813 | 3034 | SH |  | SOLE |  | 0 | 0 | 3034 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 |  | 964226 | 9696 | SH |  | SOLE |  | 0 | 0 | 9696 |
| NUSHARES ETF TR | NUVEEN ESG SMLCP | 67092P607 |  | 554734 | 12579 | SH |  | SOLE |  | 0 | 0 | 12579 |
| KRANESHARES TRUST | KRANESHARES VALU | 500767645 |  | 2215283 | 80310 | SH |  | SOLE |  | 0 | 0 | 80310 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 9037 | 98 | SH |  | SOLE | 1 | 0 | 0 | 98 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 372067 | 4055 | SH |  | SOLE |  | 0 | 0 | 4055 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 2598725 | 24866 | SH |  | SOLE |  | 0 | 0 | 24866 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 3569197 | 64507 | SH |  | SOLE |  | 0 | 0 | 64507 |
| SPDR SERIES TRUST | S 400 MDCP GRW | 78464A821 |  | 516383 | 5640 | SH |  | SOLE |  | 0 | 0 | 5640 |
| SPDR SERIES TRUST | S 400 MDCP VAL | 78464A839 |  | 640451 | 7678 | SH |  | SOLE |  | 0 | 0 | 7678 |
| SPDR SERIES TRUST | S 600 SMCP GRW | 78464A201 |  | 813557 | 8626 | SH |  | SOLE |  | 0 | 0 | 8626 |
| SPDR SERIES TRUST | S 600 SMCP VAL | 78464A300 |  | 883411 | 9965 | SH |  | SOLE |  | 0 | 0 | 9965 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 148095 | 2016 | SH |  | SOLE | 1 | 0 | 0 | 2016 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 691007 | 9407 | SH |  | SOLE |  | 0 | 0 | 9407 |
| META PLATFORMS INC | CL A | 30303M102 |  | 14688 | 20 | SH |  | SOLE | 1 | 0 | 0 | 20 |
| META PLATFORMS INC | CL A | 30303M102 |  | 300209 | 409 | SH |  | SOLE |  | 0 | 0 | 409 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 18285 | 98 | SH |  | SOLE | 1 | 0 | 0 | 98 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1020068 | 5467 | SH |  | SOLE |  | 0 | 0 | 5467 |
| SPDR INDEX SHS FDS | S INTL SMLCP | 78463X871 |  | 5987 | 149 | SH |  | SOLE | 1 | 0 | 0 | 149 |
| SPDR INDEX SHS FDS | S INTL SMLCP | 78463X871 |  | 430568 | 10716 | SH |  | SOLE |  | 0 | 0 | 10716 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 35516 | 830 | SH |  | SOLE | 1 | 0 | 0 | 830 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 316318 | 7392 | SH |  | SOLE |  | 0 | 0 | 7392 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 490134 | 2628 | SH |  | SOLE | 1 | 0 | 0 | 2628 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 30893085 | 165655 | SH |  | SOLE |  | 0 | 0 | 165655 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 684403 | 1427 | SH |  | SOLE | 1 | 0 | 0 | 1427 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 127588 | 266 | SH |  | SOLE |  | 0 | 0 | 266 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 139091 | 547 | SH |  | SOLE | 1 | 0 | 0 | 547 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 660547 | 2598 | SH |  | SOLE |  | 0 | 0 | 2598 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 284852 | 868 | SH |  | SOLE | 1 | 0 | 0 | 868 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 745884 | 2539 | SH |  | SOLE |  | 0 | 0 | 2539 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 2166693 | 3538 | SH |  | SOLE |  | 0 | 0 | 3538 |
| BLACKROCK ETF TRUST | US CARBON TRANS | 09290C509 |  | 276162 | 3805 | SH |  | SOLE |  | 0 | 0 | 3805 |
| BLACKROCK ETF TRUST | DYNAMIC EQTY ACT | 09290C723 |  | 522059 | 20627 | SH |  | SOLE |  | 0 | 0 | 20627 |
| BLACKROCK ETF TRUST | ISHARES A I INNO | 09290C780 |  | 526303 | 15407 | SH |  | SOLE |  | 0 | 0 | 15407 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 359687 | 6076 | SH |  | SOLE |  | 0 | 0 | 6076 |
| BLACKROCK ETF TRUST | ISHARES US THEMA | 09290C806 |  | 370159 | 9777 | SH |  | SOLE |  | 0 | 0 | 9777 |
| BONDBLOXX ETF TRUST | BBB RATED 5 10 Y | 09789C747 |  | 307301 | 5875 | SH |  | SOLE |  | 0 | 0 | 5875 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 914605 | 28662 | SH |  | SOLE |  | 0 | 0 | 28662 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 59956 | 90 | SH |  | SOLE | 1 | 0 | 0 | 90 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1190147 | 1787 | SH |  | SOLE |  | 0 | 0 | 1787 |
| STRYKER CORPORATION | COM | 863667101 |  | 218691 | 592 | SH |  | SOLE |  | 0 | 0 | 592 |
| VANGUARD MUN BD FDS | INTERMEDIATE TRM | 922907738 |  | 1440179 | 14354 | SH |  | SOLE |  | 0 | 0 | 14354 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 228033 | 42 | SH |  | SOLE |  | 0 | 0 | 42 |
| GOLDMAN SACHS ETF TR | ACCES TREASURY | 381430529 |  | 269580 | 2690 | SH |  | SOLE |  | 0 | 0 | 2690 |
| INNOVATOR ETFS TRUST | INTRNL DEV JAN | 45782C524 |  | 267161 | 7592 | SH |  | SOLE |  | 0 | 0 | 7592 |
| INNOVATOR ETFS TRUST | INNOVATOR GW 100 | 45784N791 |  | 332338 | 12219 | SH |  | SOLE |  | 0 | 0 | 12219 |
| INNOVATOR ETFS TRUST | QUITY MANAGD FLR | 45783Y673 |  | 630597 | 17502 | SH |  | SOLE |  | 0 | 0 | 17502 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 315086 | 4195 | SH |  | SOLE |  | 0 | 0 | 4195 |
| AMERICAN CENTY ETF TR | AVANTIS INTL SML | 025072190 |  | 16312133 | 241468 | SH |  | SOLE |  | 0 | 0 | 241468 |
| AMERICAN CENTY ETF TR | AVANTIS US SMALL | 025072323 |  | 10035172 | 175287 | SH |  | SOLE |  | 0 | 0 | 175287 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 1999375 | 43352 | SH |  | SOLE |  | 0 | 0 | 43352 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 3226457 | 55428 | SH |  | SOLE |  | 0 | 0 | 55428 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 240082 | 7486 | SH |  | SOLE | 1 | 0 | 0 | 7486 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 |  | 12437612 | 390016 | SH |  | SOLE |  | 0 | 0 | 390016 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 18997352 | 602517 | SH |  | SOLE |  | 0 | 0 | 602517 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 509591 | 15541 | SH |  | SOLE | 1 | 0 | 0 | 15541 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 32056419 | 977628 | SH |  | SOLE |  | 0 | 0 | 977628 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 |  | 1899191 | 62484 | SH |  | SOLE |  | 0 | 0 | 62484 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 1 | 25434V625 |  | 1010342 | 14044 | SH |  | SOLE | 1 | 0 | 0 | 14044 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 1005816 | 26078 | SH |  | SOLE | 1 | 0 | 0 | 26078 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 1109252 | 28759 | SH |  | SOLE |  | 0 | 0 | 28759 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 45285289 | 625142 | SH |  | SOLE |  | 0 | 0 | 625142 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 55048525 | 1457467 | SH |  | SOLE |  | 0 | 0 | 1457467 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 266933 | 5973 | SH |  | SOLE |  | 0 | 0 | 5973 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 3201337 | 46762 | SH |  | SOLE |  | 0 | 0 | 46762 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 10065281 | 316121 | SH |  | SOLE |  | 0 | 0 | 316121 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 750983 | 23932 | SH |  | SOLE |  | 0 | 0 | 23932 |
| SELECT SECTOR SPDR TR | INDL | 81369Y704 |  | 1007166 | 6530 | SH |  | SOLE |  | 0 | 0 | 6530 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 554013 | 6201 | SH |  | SOLE |  | 0 | 0 | 6201 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 1447221 | 26865 | SH |  | SOLE |  | 0 | 0 | 26865 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 2813367 | 9981 | SH |  | SOLE |  | 0 | 0 | 9981 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 1405041 | 11870 | SH |  | SOLE |  | 0 | 0 | 11870 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 567310 | 6505 | SH |  | SOLE |  | 0 | 0 | 6505 |
| SELECT SECTOR SPDR TR | SBI MATERIALS | 81369Y100 |  | 567291 | 6330 | SH |  | SOLE |  | 0 | 0 | 6330 |
| SELECT SECTOR SPDR TR | RL EST SEL SEC | 81369Y860 |  | 516766 | 12266 | SH |  | SOLE |  | 0 | 0 | 12266 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 1108715 | 4627 | SH |  | SOLE |  | 0 | 0 | 4627 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 654339 | 8349 | SH |  | SOLE |  | 0 | 0 | 8349 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 1131511 | 8130 | SH |  | SOLE |  | 0 | 0 | 8130 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 232074 | 2941 | SH |  | SOLE | 1 | 0 | 0 | 2941 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 1504013 | 19060 | SH |  | SOLE |  | 0 | 0 | 19060 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 259022 | 5237 | SH |  | SOLE | 1 | 0 | 0 | 5237 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 117510 | 2376 | SH |  | SOLE |  | 0 | 0 | 2376 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 1039408 | 8626 | SH |  | SOLE |  | 0 | 0 | 8626 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 4662 | 52 | SH |  | SOLE | 1 | 0 | 0 | 52 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 1478043 | 16538 | SH |  | SOLE |  | 0 | 0 | 16538 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000GRW | 92206C623 |  | 365600 | 1564 | SH |  | SOLE |  | 0 | 0 | 1564 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000VAL | 92206C649 |  | 369304 | 2369 | SH |  | SOLE |  | 0 | 0 | 2369 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 221762 | 3900 | SH |  | SOLE |  | 0 | 0 | 3900 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 113472 | 2416 | SH |  | SOLE | 1 | 0 | 0 | 2416 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 113466 | 2416 | SH |  | SOLE |  | 0 | 0 | 2416 |
| FIDELITY COVINGTON TRUST | MSCI ENERGY IDX | 316092402 |  | 328473 | 13288 | SH |  | SOLE |  | 0 | 0 | 13288 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 634373 | 10587 | SH |  | SOLE | 1 | 0 | 0 | 10587 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 99758 | 1665 | SH |  | SOLE |  | 0 | 0 | 1665 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 1508400 | 2 | SH |  | SOLE |  | 0 | 0 | 2 |
| FIRST TR EXCH TRADED FD III | MANAGD MUN ETF | 33739N108 |  | 919903 | 18143 | SH |  | SOLE |  | 0 | 0 | 18143 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST US EQT | 33740F664 |  | 747807 | 15740 | SH |  | SOLE |  | 0 | 0 | 15740 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST US EQT | 33740F763 |  | 1017977 | 18460 | SH |  | SOLE |  | 0 | 0 | 18460 |
| INVESCO EXCH TRADED FD TR II | INTL CORP BD | 46138E636 |  | 297081 | 12467 | SH |  | SOLE |  | 0 | 0 | 12467 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 305347 | 1236 | SH |  | SOLE |  | 0 | 0 | 1236 |
| INVESCO EXCH TRADED FD TR II | TAXABLE MUN BD | 46138G805 |  | 3196344 | 117125 | SH |  | SOLE |  | 0 | 0 | 117125 |
| INVESCO EXCHANGE TRADED FD T | WATER RES ETF | 46137V142 |  | 727290 | 10086 | SH |  | SOLE |  | 0 | 0 | 10086 |
| J P MORGAN EXCHANGE TRADED F | INTERNL GWT | 46641Q324 |  | 775080 | 10287 | SH |  | SOLE |  | 0 | 0 | 10287 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 1847099 | 36598 | SH |  | SOLE |  | 0 | 0 | 36598 |
| J P MORGAN EXCHANGE TRADED F | BETABUILDERS USD | 46641Q449 |  | 300105 | 6487 | SH |  | SOLE |  | 0 | 0 | 6487 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 481692 | 9438 | SH |  | SOLE |  | 0 | 0 | 9438 |
| JOHN HANCOCK EXCHANGE TRADED | MULTIFACTOR MI | 47804J206 |  | 2043745 | 31593 | SH |  | SOLE |  | 0 | 0 | 31593 |
| SIMPLIFY EXCHANGE TRADED FUN | HEALTH CARE ETF | 82889N772 |  | 215533 | 6797 | SH |  | SOLE |  | 0 | 0 | 6797 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 |  | 271901 | 5695 | SH |  | SOLE |  | 0 | 0 | 5695 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 237850 | 4390 | SH |  | SOLE | 1 | 0 | 0 | 4390 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 41869 | 773 | SH |  | SOLE |  | 0 | 0 | 773 |

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