# EDGAR Filing Document

**Accession Number:** 0001566653
**File Stem:** 0001062993-26-002096
**Filing Date:** 2026-4
**Character Count:** 19882
**Document Hash:** 1b41b09eaa708e188066be2bab0be0db
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001062993-26-002096.hdr.sgml**: 20260422

**ACCESSION NUMBER**: 0001062993-26-002096

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260422

**DATE AS OF CHANGE**: 20260422

**EFFECTIVENESS DATE**: 20260422

**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:** 26881745

**BUSINESS ADDRESS:**
- **STREET 1:** 1645 ELLINGTON ROAD, 3RD FLOOR
- **CITY:** SOUTH WINDSOR
- **STATE:** CT
- **ZIP:** 06074
- **BUSINESS PHONE:** 860-291-1998

**MAIL ADDRESS:**
- **STREET 1:** 1645 ELLINGTON ROAD, 3RD FLOOR
- **CITY:** SOUTH WINDSOR
- **STATE:** CT
- **ZIP:** 06074

**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:** 03-31-2026

**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:** 1645 ELLINGTON ROAD 3RD FLOOR<br>SOUTH WINDSOR, CT 06074

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

**CRD Number (if applicable):** 000126052

**SEC File Number (if applicable):** 801-68642

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  South Windsor, CT  04-20-2026<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:** 153

**Form 13F Information Table Value Total:** $336951030

      (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 |
| APPLE INC | COM | 037833100 |  | 81395 | 321 | SH |  | SOLE | 1 | 0 | 0 | 321 |
| APPLE INC | COM | 037833100 |  | 2160010 | 8511 | SH |  | SOLE |  | 0 | 0 | 8511 |
| DBX ETF TR | XTRACK MUN INFRA | 233051705 |  | 856188 | 34755 | SH |  | SOLE |  | 0 | 0 | 34755 |
| ISHARES TR | S 100 ETF | 464287101 |  | 294533 | 926 | SH |  | SOLE |  | 0 | 0 | 926 |
| ISHARES TR | ESG EAFE ETF | 46436E759 |  | 234272 | 3105 | SH |  | SOLE |  | 0 | 0 | 3105 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 68104 | 1361 | SH |  | SOLE | 1 | 0 | 0 | 1361 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 289612 | 5788 | SH |  | SOLE |  | 0 | 0 | 5788 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 833814 | 9210 | SH |  | SOLE | 1 | 0 | 0 | 9210 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 253213 | 2797 | SH |  | SOLE |  | 0 | 0 | 2797 |
| ISHARES TR | CORE MSCI EURO | 46434V738 |  | 264026 | 3757 | SH |  | SOLE | 1 | 0 | 0 | 3757 |
| ISHARES TR | CORE MSCI EURO | 46434V738 |  | 8432 | 120 | SH |  | SOLE |  | 0 | 0 | 120 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 111153 | 1495 | SH |  | SOLE | 1 | 0 | 0 | 1495 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 149667 | 2013 | SH |  | SOLE |  | 0 | 0 | 2013 |
| ISHARES TR | CORE S ETF | 464287200 |  | 224051 | 343 | SH |  | SOLE | 1 | 0 | 0 | 343 |
| ISHARES TR | CORE S ETF | 464287200 |  | 123019 | 188 | SH |  | SOLE |  | 0 | 0 | 188 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 |  | 11798997 | 469145 | SH |  | SOLE |  | 0 | 0 | 469145 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 54718 | 228 | SH |  | SOLE | 1 | 0 | 0 | 228 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 145580 | 607 | SH |  | SOLE |  | 0 | 0 | 607 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 351774 | 5209 | SH |  | SOLE | 1 | 0 | 0 | 5209 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 43575 | 645 | SH |  | SOLE |  | 0 | 0 | 645 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 |  | 230026 | 4980 | SH |  | SOLE | 1 | 0 | 0 | 4980 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 250160 | 2520 | SH |  | SOLE | 1 | 0 | 0 | 2520 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 536923 | 5409 | SH |  | SOLE |  | 0 | 0 | 5409 |
| ISHARES TR | GLB INFRASTR ETF | 464288372 |  | 273161 | 4077 | SH |  | SOLE |  | 0 | 0 | 4077 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 359045 | 6746 | SH |  | SOLE |  | 0 | 0 | 6746 |
| ISHARES TR | MSCI INTL VLU FT | 46435G409 |  | 12916097 | 325506 | SH |  | SOLE |  | 0 | 0 | 325506 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 247468 | 1698 | SH |  | SOLE |  | 0 | 0 | 1698 |
| ISHARES INC | MSCI JAPAN ETF | 46434G822 |  | 94488 | 1119 | SH |  | SOLE | 1 | 0 | 0 | 1119 |
| ISHARES INC | MSCI JAPAN ETF | 46434G822 |  | 147784 | 1750 | SH |  | SOLE |  | 0 | 0 | 1750 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 257633 | 5666 | SH |  | SOLE |  | 0 | 0 | 5666 |
| ISHARES INC | MSCI GBL MIN VOL | 464286525 |  | 385778 | 3228 | SH |  | SOLE |  | 0 | 0 | 3228 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 87016 | 303 | SH |  | SOLE | 1 | 0 | 0 | 303 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 211547 | 736 | SH |  | SOLE |  | 0 | 0 | 736 |
| GLOBAL X FDS | US NATURAL GAS | 37960A172 |  | 7546849 | 161672 | SH |  | SOLE |  | 0 | 0 | 161672 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 |  | 92985 | 1008 | SH |  | SOLE | 1 | 0 | 0 | 1008 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 |  | 9336171 | 101172 | SH |  | SOLE |  | 0 | 0 | 101172 |
| PIMCO ETF TR | MULTISECTOR BD | 72201R585 |  | 66230 | 2528 | SH |  | SOLE | 1 | 0 | 0 | 2528 |
| PIMCO ETF TR | MULTISECTOR BD | 72201R585 |  | 343750 | 13120 | SH |  | SOLE |  | 0 | 0 | 13120 |
| PIMCO ETF TR | MUNI INCOME OPP | 72201R635 |  | 1351396 | 29918 | SH |  | SOLE |  | 0 | 0 | 29918 |
| STRATEGY SHS | DAY HAGAN SMART | 86280R803 |  | 228880 | 4903 | SH |  | SOLE |  | 0 | 0 | 4903 |
| FLEXSHARES TR | US QUALITY CAP | 33939L746 |  | 250737 | 3208 | SH |  | SOLE |  | 0 | 0 | 3208 |
| WISDOMTREE TR | INTL SMCAP DIV | 97717W760 |  | 437346 | 5366 | SH |  | SOLE |  | 0 | 0 | 5366 |
| WISDOMTREE TR | US MIDCAP FUND | 97717W570 |  | 19765938 | 294048 | SH |  | SOLE |  | 0 | 0 | 294048 |
| WISDOMTREE TR | US SMALLCAP FUND | 97717W562 |  | 386116 | 6652 | SH |  | SOLE |  | 0 | 0 | 6652 |
| WISDOMTREE TR | YIELD ENHANCD US | 97717X511 |  | 3208389 | 73841 | SH |  | SOLE |  | 0 | 0 | 73841 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 2781 | 30 | SH |  | SOLE | 1 | 0 | 0 | 30 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 329235 | 3552 | SH |  | SOLE |  | 0 | 0 | 3552 |
| MICROSOFT CORP | COM | 594918104 |  | 107113 | 289 | SH |  | SOLE | 1 | 0 | 0 | 289 |
| MICROSOFT CORP | COM | 594918104 |  | 166720 | 450 | SH |  | SOLE |  | 0 | 0 | 450 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 |  | 368671 | 4054 | SH |  | SOLE |  | 0 | 0 | 4054 |
| NUSHARES ETF TR | NUVEEN ESG SMLCP | 67092P607 |  | 265268 | 5887 | SH |  | SOLE |  | 0 | 0 | 5887 |
| KRANESHARES TRUST | KRANESHARES VALU | 500767645 |  | 399846 | 16071 | SH |  | SOLE |  | 0 | 0 | 16071 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A201 |  | 365900 | 3787 | SH |  | SOLE | 1 | 0 | 0 | 3787 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A201 |  | 497238 | 5146 | SH |  | SOLE |  | 0 | 0 | 5146 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A300 |  | 363282 | 3841 | SH |  | SOLE | 1 | 0 | 0 | 3841 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A300 |  | 606535 | 6413 | SH |  | SOLE |  | 0 | 0 | 6413 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 1392084 | 14218 | SH |  | SOLE | 1 | 0 | 0 | 14218 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 1124564 | 11486 | SH |  | SOLE |  | 0 | 0 | 11486 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 2881902 | 50935 | SH |  | SOLE | 1 | 0 | 0 | 50935 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 1060522 | 18744 | SH |  | SOLE |  | 0 | 0 | 18744 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A821 |  | 550247 | 5734 | SH |  | SOLE |  | 0 | 0 | 5734 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A839 |  | 663122 | 7788 | SH |  | SOLE |  | 0 | 0 | 7788 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 735323 | 9536 | SH |  | SOLE |  | 0 | 0 | 9536 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 176854 | 1014 | SH |  | SOLE | 1 | 0 | 0 | 1014 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 128598 | 737 | SH |  | SOLE |  | 0 | 0 | 737 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X889 |  | 13467 | 295 | SH |  | SOLE | 1 | 0 | 0 | 295 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X889 |  | 395505 | 8664 | SH |  | SOLE |  | 0 | 0 | 8664 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 336523 | 1715 | SH |  | SOLE | 1 | 0 | 0 | 1715 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 29401903 | 149857 | SH |  | SOLE |  | 0 | 0 | 149857 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 408399 | 935 | SH |  | SOLE | 1 | 0 | 0 | 935 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 99162 | 227 | SH |  | SOLE |  | 0 | 0 | 227 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 99792 | 381 | SH |  | SOLE | 1 | 0 | 0 | 381 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 689061 | 2631 | SH |  | SOLE |  | 0 | 0 | 2631 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 282828 | 1099 | SH |  | SOLE |  | 0 | 0 | 1099 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 2099174 | 3513 | SH |  | SOLE |  | 0 | 0 | 3513 |
| BLACKROCK ETF TRUST | DISCIPLINED VOLA | 09290C715 |  | 290170 | 11772 | SH |  | SOLE | 1 | 0 | 0 | 11772 |
| BLACKROCK ETF TRUST | DISCIPLINED VOLA | 09290C715 |  | 0 | 0 | SH |  | SOLE |  | 0 | 0 | 0 |
| BLACKROCK ETF TRUST | DYNAMIC EQTY ACT | 09290C723 |  | 953163 | 39209 | SH |  | SOLE | 1 | 0 | 0 | 39209 |
| BLACKROCK ETF TRUST | DYNAMIC EQTY ACT | 09290C723 |  | 28734 | 1182 | SH |  | SOLE |  | 0 | 0 | 1182 |
| BLACKROCK ETF TRUST | ISHARES A I INNO | 09290C780 |  | 92293 | 2801 | SH |  | SOLE | 1 | 0 | 0 | 2801 |
| BLACKROCK ETF TRUST | ISHARES A I INNO | 09290C780 |  | 203697 | 6182 | SH |  | SOLE |  | 0 | 0 | 6182 |
| BLACKROCK ETF TRUST | ISHARES US CARBO | 09290C509 |  | 204520 | 2916 | SH |  | SOLE |  | 0 | 0 | 2916 |
| BONDBLOXX ETF TRUST | BBB RATED 5 10 Y | 09789C747 |  | 303889 | 5909 | SH |  | SOLE |  | 0 | 0 | 5909 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 230751 | 7003 | SH |  | SOLE | 1 | 0 | 0 | 7003 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 21819 | 662 | SH |  | SOLE |  | 0 | 0 | 662 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 637670 | 21890 | SH |  | SOLE | 1 | 0 | 0 | 21890 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 15701 | 539 | SH |  | SOLE |  | 0 | 0 | 539 |
| VANGUARD MUN BD FDS | INTERMEDIATE TRM | 922907738 |  | 1454880 | 14558 | SH |  | SOLE |  | 0 | 0 | 14558 |
| INNOVATOR ETFS TRUST | GRWT100 PWR BUF | 45782C615 |  | 312093 | 5537 | SH |  | SOLE |  | 0 | 0 | 5537 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C573 |  | 818671 | 20036 | SH |  | SOLE |  | 0 | 0 | 20036 |
| INNOVATOR ETFS TRUST | INTERNATIONAL DV | 45782C631 |  | 262244 | 7482 | SH |  | SOLE |  | 0 | 0 | 7482 |
| INNOVATOR ETFS TRUST | QUITY MANAGD FLR | 45783Y673 |  | 492128 | 13898 | SH |  | SOLE |  | 0 | 0 | 13898 |
| AMERICAN CENTY ETF TR | AVANTIS INTL SML | 025072190 |  | 14742423 | 205183 | SH |  | SOLE |  | 0 | 0 | 205183 |
| AMERICAN CENTY ETF TR | AVANTIS US SMALL | 025072323 |  | 10044361 | 161226 | SH |  | SOLE |  | 0 | 0 | 161226 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 2241887 | 42476 | SH |  | SOLE |  | 0 | 0 | 42476 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 3396720 | 54391 | SH |  | SOLE |  | 0 | 0 | 54391 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 279824 | 8099 | SH |  | SOLE | 1 | 0 | 0 | 8099 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 |  | 10309 | 288 | SH |  | SOLE | 1 | 0 | 0 | 288 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 |  | 9200590 | 257143 | SH |  | SOLE |  | 0 | 0 | 257143 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 17450030 | 515358 | SH |  | SOLE |  | 0 | 0 | 515358 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 595969 | 16774 | SH |  | SOLE | 1 | 0 | 0 | 16774 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 30413165 | 855986 | SH |  | SOLE |  | 0 | 0 | 855986 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 |  | 17401 | 540 | SH |  | SOLE | 1 | 0 | 0 | 540 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 |  | 2006679 | 62281 | SH |  | SOLE |  | 0 | 0 | 62281 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 1 | 25434V625 |  | 1000280 | 13877 | SH |  | SOLE | 1 | 0 | 0 | 13877 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 2334431 | 60073 | SH |  | SOLE | 1 | 0 | 0 | 60073 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 36346904 | 512578 | SH |  | SOLE |  | 0 | 0 | 512578 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 53301 | 1450 | SH |  | SOLE | 1 | 0 | 0 | 1450 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 43540897 | 1184464 | SH |  | SOLE |  | 0 | 0 | 1184464 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 297011 | 6129 | SH |  | SOLE |  | 0 | 0 | 6129 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 3261640 | 45855 | SH |  | SOLE |  | 0 | 0 | 45855 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 53252 | 1520 | SH |  | SOLE | 1 | 0 | 0 | 1520 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 10045118 | 286676 | SH |  | SOLE |  | 0 | 0 | 286676 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 320995 | 7812 | SH |  | SOLE |  | 0 | 0 | 7812 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 816961 | 24049 | SH |  | SOLE | 1 | 0 | 0 | 24049 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 372784 | 7551 | SH |  | SOLE | 1 | 0 | 0 | 7551 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 36428 | 738 | SH |  | SOLE |  | 0 | 0 | 738 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 184729 | 1260 | SH |  | SOLE | 1 | 0 | 0 | 1260 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 26449 | 180 | SH |  | SOLE |  | 0 | 0 | 180 |
| SELECT SECTOR SPDR TR | STATE STREET IND | 81369Y704 |  | 218096 | 1349 | SH |  | SOLE | 1 | 0 | 0 | 1349 |
| SELECT SECTOR SPDR TR | STATE STREET IND | 81369Y704 |  | 16644 | 103 | SH |  | SOLE |  | 0 | 0 | 103 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 451727 | 3399 | SH |  | SOLE | 1 | 0 | 0 | 3399 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 60388 | 454 | SH |  | SOLE |  | 0 | 0 | 454 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 147176 | 1877 | SH |  | SOLE | 1 | 0 | 0 | 1877 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 1509305 | 19249 | SH |  | SOLE |  | 0 | 0 | 19249 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 154192 | 3209 | SH |  | SOLE | 1 | 0 | 0 | 3209 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 94628 | 1969 | SH |  | SOLE |  | 0 | 0 | 1969 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 637115 | 5808 | SH |  | SOLE | 1 | 0 | 0 | 5808 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 252490 | 2302 | SH |  | SOLE |  | 0 | 0 | 2302 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 1391683 | 14846 | SH |  | SOLE | 1 | 0 | 0 | 14846 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 243119 | 2594 | SH |  | SOLE |  | 0 | 0 | 2594 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000GRW | 92206C623 |  | 170862 | 746 | SH |  | SOLE | 1 | 0 | 0 | 746 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000GRW | 92206C623 |  | 194779 | 850 | SH |  | SOLE |  | 0 | 0 | 850 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000VAL | 92206C649 |  | 163040 | 975 | SH |  | SOLE | 1 | 0 | 0 | 975 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000VAL | 92206C649 |  | 240329 | 1437 | SH |  | SOLE |  | 0 | 0 | 1437 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 216776 | 3916 | SH |  | SOLE |  | 0 | 0 | 3916 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 185218 | 3945 | SH |  | SOLE | 1 | 0 | 0 | 3945 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 25950 | 553 | SH |  | SOLE |  | 0 | 0 | 553 |
| FIDELITY COVINGTON TRUST | MSCI ENERGY IDX | 316092402 |  | 450076 | 13230 | SH |  | SOLE |  | 0 | 0 | 13230 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 424850 | 6630 | SH |  | SOLE | 1 | 0 | 0 | 6630 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 91634 | 1430 | SH |  | SOLE |  | 0 | 0 | 1430 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 718140 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST US EQT | 33740F664 |  | 750483 | 15740 | SH |  | SOLE |  | 0 | 0 | 15740 |
| INVESCO EXCH TRADED FD TR II | INTL CORP BD | 46138E636 |  | 288959 | 12509 | SH |  | SOLE |  | 0 | 0 | 12509 |
| INVESCO EXCH TRADED FD TR II | TAXABLE MUN BD | 46138G805 |  | 3121267 | 115774 | SH |  | SOLE |  | 0 | 0 | 115774 |
| J P MORGAN EXCHANGE TRADED F | INTERNL GWT | 46641Q324 |  | 323909 | 4363 | SH |  | SOLE |  | 0 | 0 | 4363 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 1536130 | 30729 | SH |  | SOLE |  | 0 | 0 | 30729 |
| J P MORGAN EXCHANGE TRADED F | BETABUILDERS USD | 46641Q449 |  | 294535 | 6495 | SH |  | SOLE |  | 0 | 0 | 6495 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 226768 | 4448 | SH |  | SOLE |  | 0 | 0 | 4448 |
| JOHN HANCOCK EXCHANGE TRADED | MULTIFACTOR MI | 47804J206 |  | 2114082 | 31497 | SH |  | SOLE |  | 0 | 0 | 31497 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 1145100 | 1761 | SH |  | SOLE | 1 | 0 | 0 | 1761 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 57567 | 89 | SH |  | SOLE |  | 0 | 0 | 89 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 |  | 251387 | 5655 | SH |  | SOLE |  | 0 | 0 | 5655 |

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