# EDGAR Filing Document

**Accession Number:** 0001768302
**File Stem:** 0001768302-25-000004
**Filing Date:** 2025-7
**Character Count:** 18681
**Document Hash:** 0f7d120e731d2752b4f89062793d039d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001768302-25-000004.hdr.sgml**: 20250717

**ACCESSION NUMBER**: 0001768302-25-000004

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250717

**DATE AS OF CHANGE**: 20250717

**EFFECTIVENESS DATE**: 20250717

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** ERn Financial, LLC
- **CENTRAL INDEX KEY:** 0001768302

**ORGANIZATION NAME:**
- **EIN:** 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:** 251130026

**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:** 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:** 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

**SEC File Number (if applicable):** 801-113774

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:** Mark Buchanan<br>**Title:** CCO<br>**Phone:** 480-808-4350

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

Mark Buchanan  Phoenix, AZ  07-17-2025<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:** 145

**Form 13F Information Table Value Total:** $473999418

      (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 |
| ABBVIE INC | COM | 00287Y109 |  | 282271 | 1521 | SH |  | SOLE | 0 | 0 | 0 | 1521 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 429380 | 2421 | SH |  | SOLE | 0 | 0 | 0 | 2421 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 582440 | 3305 | SH |  | SOLE | 0 | 0 | 0 | 3305 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 261261 | 4456 | SH |  | SOLE | 0 | 0 | 0 | 4456 |
| AMAZON COM INC | COM | 023135106 |  | 1128378 | 5143 | SH |  | SOLE | 0 | 0 | 0 | 5143 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 5608793 | 61567 | SH |  | SOLE | 0 | 0 | 0 | 61567 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 11850629 | 172901 | SH |  | SOLE | 0 | 0 | 0 | 172901 |
| AMERICAN CENTY ETF TR | DIVERSIFIED MU | 025072505 |  | 985010 | 20131 | SH |  | SOLE | 0 | 0 | 0 | 20131 |
| AMERICAN CENTY ETF TR | AVANTIS EMERGING | 025072141 |  | 351981 | 5842 | SH |  | SOLE | 0 | 0 | 0 | 5842 |
| AMERICAN CENTY ETF TR | FOCUSED DYNAMIC | 025072810 |  | 6066664 | 55526 | SH |  | SOLE | 0 | 0 | 0 | 55526 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 220734 | 692 | SH |  | SOLE | 0 | 0 | 0 | 692 |
| APPLE INC | COM | 037833100 |  | 4250039 | 20715 | SH |  | SOLE | 0 | 0 | 0 | 20715 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 465204 | 4547 | SH |  | SOLE | 0 | 0 | 0 | 4547 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 202744 | 253 | SH |  | SOLE | 0 | 0 | 0 | 253 |
| AT INC | COM | 00206R102 |  | 207041 | 7154 | SH |  | SOLE | 0 | 0 | 0 | 7154 |
| BANK AMERICA CORP | COM | 060505104 |  | 207573 | 4387 | SH |  | SOLE | 0 | 0 | 0 | 4387 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 854955 | 1760 | SH |  | SOLE | 0 | 0 | 0 | 1760 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 3996650 | 73387 | SH |  | SOLE | 0 | 0 | 0 | 73387 |
| BLACKROCK ETF TRUST II | ISHARES LARG CAP | 092528801 |  | 1866306 | 60184 | SH |  | SOLE | 0 | 0 | 0 | 60184 |
| BOEING CO | COM | 097023105 |  | 306752 | 1464 | SH |  | SOLE | 0 | 0 | 0 | 1464 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 208245 | 36 | SH |  | SOLE | 0 | 0 | 0 | 36 |
| BROADCOM INC | COM | 11135F101 |  | 627206 | 2275 | SH |  | SOLE | 0 | 0 | 0 | 2275 |
| CAPITAL GROUP INTL FOCUS EQT | SHS CREATION UNI | 14019W109 |  | 1207828 | 44520 | SH |  | SOLE | 0 | 0 | 0 | 44520 |
| CHEVRON CORP NEW | COM | 166764100 |  | 223376 | 1560 | SH |  | SOLE | 0 | 0 | 0 | 1560 |
| CISCO SYS INC | COM | 17275R102 |  | 255902 | 3688 | SH |  | SOLE | 0 | 0 | 0 | 3688 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 570074 | 576 | SH |  | SOLE | 0 | 0 | 0 | 576 |
| CREDIT ACCEP CORP MICH | COM | 225310101 |  | 1069803 | 2100 | SH |  | SOLE | 0 | 0 | 0 | 2100 |
| DEERE  CO | COM | 244199105 |  | 1035286 | 2036 | SH |  | SOLE | 0 | 0 | 0 | 2036 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 1424859 | 47750 | SH |  | SOLE | 0 | 0 | 0 | 47750 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 4202410 | 121562 | SH |  | SOLE | 0 | 0 | 0 | 121562 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 9713876 | 330741 | SH |  | SOLE | 0 | 0 | 0 | 330741 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 2822295 | 66626 | SH |  | SOLE | 0 | 0 | 0 | 66626 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 1019218 | 28438 | SH |  | SOLE | 0 | 0 | 0 | 28438 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 8422062 | 199292 | SH |  | SOLE | 0 | 0 | 0 | 199292 |
| ELI LILLY  CO | COM | 532457108 |  | 539268 | 692 | SH |  | SOLE | 0 | 0 | 0 | 692 |
| EVOLENT HEALTH INC | CL A | 30050B101 |  | 333003 | 29574 | SH |  | SOLE | 0 | 0 | 0 | 29574 |
| EXACT SCIENCES CORP | COM | 30063P105 |  | 573434 | 10791 | SH |  | SOLE | 0 | 0 | 0 | 10791 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 683670 | 6342 | SH |  | SOLE | 0 | 0 | 0 | 6342 |
| FAIR ISAAC CORP | COM | 303250104 |  | 2498821 | 1367 | SH |  | SOLE | 0 | 0 | 0 | 1367 |
| FIDELITY COVINGTON TRUST | HIGH DIVID ETF | 316092840 |  | 1131955 | 21760 | SH |  | SOLE | 0 | 0 | 0 | 21760 |
| FIDELITY NATL INFORMATION SV | COM | 31620M106 |  | 361227 | 4437 | SH |  | SOLE | 0 | 0 | 0 | 4437 |
| FIRST BUSINESS FINL SVCS INC | COM | 319390100 |  | 233796 | 4615 | SH |  | SOLE | 0 | 0 | 0 | 4615 |
| FIRST TR EXCH TRADED FD III | MANAGD MUN ETF | 33739N108 |  | 7414806 | 148832 | SH |  | SOLE | 0 | 0 | 0 | 148832 |
| FIRST TR EXCHANGE-TRADED FD | SMID RISNG ETF | 33741X102 |  | 256451 | 7269 | SH |  | SOLE | 0 | 0 | 0 | 7269 |
| FIRST TR EXCHANGE-TRADED FD | CAP STRENGTH ETF | 33733E104 |  | 1780922 | 19594 | SH |  | SOLE | 0 | 0 | 0 | 19594 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 33734H106 |  | 2219283 | 49648 | SH |  | SOLE | 0 | 0 | 0 | 49648 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST US EQT | 33740F599 |  | 346011 | 7717 | SH |  | SOLE | 0 | 0 | 0 | 7717 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST US EQT | 33740U307 |  | 2316554 | 48253 | SH |  | SOLE | 0 | 0 | 0 | 48253 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST US EQT | 33740F847 |  | 2799913 | 55875 | SH |  | SOLE | 0 | 0 | 0 | 55875 |
| FIRST TR EXCHNG TRADED FD VI | SMITH OPPORT FXD | 33740F805 |  | 5303595 | 120838 | SH |  | SOLE | 0 | 0 | 0 | 120838 |
| FORD MTR CO | COM | 345370860 |  | 419063 | 38623 | SH |  | SOLE | 0 | 0 | 0 | 38623 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 375366 | 1287 | SH |  | SOLE | 0 | 0 | 0 | 1287 |
| HARTFORD FDS EXCHANGE TRADED | SCHRDRS TAX BD | 41653L404 |  | 1498877 | 80111 | SH |  | SOLE | 0 | 0 | 0 | 80111 |
| HARTFORD FDS EXCHANGE TRADED | MUN OPORTUNITE | 41653L503 |  | 7852074 | 205122 | SH |  | SOLE | 0 | 0 | 0 | 205122 |
| HOME DEPOT INC | COM | 437076102 |  | 326310 | 890 | SH |  | SOLE | 0 | 0 | 0 | 890 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 361692 | 1227 | SH |  | SOLE | 0 | 0 | 0 | 1227 |
| INVESCO EXCH TRADED FD TR II | S MIDCP LOW | 46138E198 |  | 516610 | 8377 | SH |  | SOLE | 0 | 0 | 0 | 8377 |
| INVESCO EXCH TRD SLF IDX FD | RUSL 1000 DYNM | 46138J619 |  | 15257407 | 264060 | SH |  | SOLE | 0 | 0 | 0 | 264060 |
| INVESCO EXCH TRD SLF IDX FD | RUSL 2000 DYNM | 46138J593 |  | 519442 | 12957 | SH |  | SOLE | 0 | 0 | 0 | 12957 |
| INVESCO EXCHANGE TRADED FD T | S QUALITY | 46137V241 |  | 1456982 | 20446 | SH |  | SOLE | 0 | 0 | 0 | 20446 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1515145 | 2747 | SH |  | SOLE | 0 | 0 | 0 | 2747 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 1032930 | 16564 | SH |  | SOLE | 0 | 0 | 0 | 16564 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 1137327 | 18013 | SH |  | SOLE | 0 | 0 | 0 | 18013 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 206495 | 1489 | SH |  | SOLE | 0 | 0 | 0 | 1489 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 1120145 | 4661 | SH |  | SOLE | 0 | 0 | 0 | 4661 |
| ISHARES TR | CORE S ETF | 464287200 |  | 4051491 | 6525 | SH |  | SOLE | 0 | 0 | 0 | 6525 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 985504 | 7284 | SH |  | SOLE | 0 | 0 | 0 | 7284 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 1718936 | 35633 | SH |  | SOLE | 0 | 0 | 0 | 35633 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 208044 | 490 | SH |  | SOLE | 0 | 0 | 0 | 490 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 296864 | 2651 | SH |  | SOLE | 0 | 0 | 0 | 2651 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 285269 | 6613 | SH |  | SOLE | 0 | 0 | 0 | 6613 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 5329966 | 48769 | SH |  | SOLE | 0 | 0 | 0 | 48769 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 740765 | 7828 | SH |  | SOLE | 0 | 0 | 0 | 7828 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 884438 | 9913 | SH |  | SOLE | 0 | 0 | 0 | 9913 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 10484552 | 57349 | SH |  | SOLE | 0 | 0 | 0 | 57349 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 |  | 10185226 | 412357 | SH |  | SOLE | 0 | 0 | 0 | 412357 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 6574517 | 73549 | SH |  | SOLE | 0 | 0 | 0 | 73549 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 8965906 | 158520 | SH |  | SOLE | 0 | 0 | 0 | 158520 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 2464871 | 39743 | SH |  | SOLE | 0 | 0 | 0 | 39743 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 13945538 | 167052 | SH |  | SOLE | 0 | 0 | 0 | 167052 |
| J P MORGAN EXCHANGE TRADED F | ACTIVE BOND ETF | 46654Q716 |  | 3973002 | 74137 | SH |  | SOLE | 0 | 0 | 0 | 74137 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 3683138 | 72332 | SH |  | SOLE | 0 | 0 | 0 | 72332 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 976115 | 17170 | SH |  | SOLE | 0 | 0 | 0 | 17170 |
| JOHN HANCOCK EXCHANGE TRADED | MLTFCTR LRG CAP | 47804J107 |  | 6548069 | 89268 | SH |  | SOLE | 0 | 0 | 0 | 89268 |
| JOHN HANCOCK EXCHANGE TRADED | MULTIFACTOR MI | 47804J206 |  | 3508932 | 57401 | SH |  | SOLE | 0 | 0 | 0 | 57401 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 205560 | 1346 | SH |  | SOLE | 0 | 0 | 0 | 1346 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 527655 | 1820 | SH |  | SOLE | 0 | 0 | 0 | 1820 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 335253 | 597 | SH |  | SOLE | 0 | 0 | 0 | 597 |
| MCDONALDS CORP | COM | 580135101 |  | 264001 | 904 | SH |  | SOLE | 0 | 0 | 0 | 904 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1287489 | 1744 | SH |  | SOLE | 0 | 0 | 0 | 1744 |
| MGE ENERGY INC | COM | 55277P104 |  | 244736 | 2767 | SH |  | SOLE | 0 | 0 | 0 | 2767 |
| MICROSOFT CORP | COM | 594918104 |  | 2462543 | 4951 | SH |  | SOLE | 0 | 0 | 0 | 4951 |
| MIZUHO FINANCIAL GROUP INC | SPONSORED ADR | 60687Y109 |  | 62633 | 11265 | SH |  | SOLE | 0 | 0 | 0 | 11265 |
| NETFLIX INC | COM | 64110L106 |  | 618678 | 462 | SH |  | SOLE | 0 | 0 | 0 | 462 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2543433 | 16099 | SH |  | SOLE | 0 | 0 | 0 | 16099 |
| ORACLE CORP | COM | 68389X105 |  | 1749696 | 8003 | SH |  | SOLE | 0 | 0 | 0 | 8003 |
| PACER FDS TR | DEVELOPED MRKT | 69374H873 |  | 310080 | 9112 | SH |  | SOLE | 0 | 0 | 0 | 9112 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 1884594 | 34203 | SH |  | SOLE | 0 | 0 | 0 | 34203 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 327179 | 1796 | SH |  | SOLE | 0 | 0 | 0 | 1796 |
| PIMCO ETF TR | MULTISECTOR BD | 72201R585 |  | 9251393 | 348583 | SH |  | SOLE | 0 | 0 | 0 | 348583 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 6028020 | 117368 | SH |  | SOLE | 0 | 0 | 0 | 117368 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 234200 | 1470 | SH |  | SOLE | 0 | 0 | 0 | 1470 |
| PUTNAM ETF TRUST | FOCUSED LAR CAP | 746729300 |  | 5265624 | 130888 | SH |  | SOLE | 0 | 0 | 0 | 130888 |
| ROCKWELL AUTOMATION INC | COM | 773903109 |  | 288157 | 868 | SH |  | SOLE | 0 | 0 | 0 | 868 |
| SALESFORCE INC | COM | 79466L302 |  | 219097 | 803 | SH |  | SOLE | 0 | 0 | 0 | 803 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL EMER | 808524730 |  | 1951683 | 59124 | SH |  | SOLE | 0 | 0 | 0 | 59124 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 489787 | 20040 | SH |  | SOLE | 0 | 0 | 0 | 20040 |
| SERVICENOW INC | COM | 81762P102 |  | 246739 | 240 | SH |  | SOLE | 0 | 0 | 0 | 240 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 379502 | 3290 | SH |  | SOLE | 0 | 0 | 0 | 3290 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 13473226 | 315237 | SH |  | SOLE | 0 | 0 | 0 | 315237 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 27042532 | 667882 | SH |  | SOLE | 0 | 0 | 0 | 667882 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1329676 | 2152 | SH |  | SOLE | 0 | 0 | 0 | 2152 |
| SPDR SERIES TRUST | S 400 MDCP VAL | 78464A839 |  | 15635032 | 196840 | SH |  | SOLE | 0 | 0 | 0 | 196840 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 37667535 | 395169 | SH |  | SOLE | 0 | 0 | 0 | 395169 |
| SPDR SERIES TRUST | S 600 SMCP VAL | 78464A300 |  | 1800175 | 22570 | SH |  | SOLE | 0 | 0 | 0 | 22570 |
| SPDR SERIES TRUST | S 600 SMCP GRW | 78464A201 |  | 5259768 | 59265 | SH |  | SOLE | 0 | 0 | 0 | 59265 |
| SPDR SERIES TRUST | PORTFOLIO AGRGTE | 78464A649 |  | 6248946 | 244099 | SH |  | SOLE | 0 | 0 | 0 | 244099 |
| SPDR SERIES TRUST | BBG CONV SEC ETF | 78464A359 |  | 462623 | 5597 | SH |  | SOLE | 0 | 0 | 0 | 5597 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 525573 | 12337 | SH |  | SOLE | 0 | 0 | 0 | 12337 |
| SPDR SERIES TRUST | PORTFLI TIPS ETF | 78464A656 |  | 6806746 | 261195 | SH |  | SOLE | 0 | 0 | 0 | 261195 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 687618 | 12645 | SH |  | SOLE | 0 | 0 | 0 | 12645 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 5127128 | 70534 | SH |  | SOLE | 0 | 0 | 0 | 70534 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 30341445 | 579699 | SH |  | SOLE | 0 | 0 | 0 | 579699 |
| SPDR SERIES TRUST | S 400 MDCP GRW | 78464A821 |  | 8407686 | 96785 | SH |  | SOLE | 0 | 0 | 0 | 96785 |
| STRYKER CORPORATION | COM | 863667101 |  | 417390 | 1055 | SH |  | SOLE | 0 | 0 | 0 | 1055 |
| TESLA INC | COM | 88160R101 |  | 836399 | 2633 | SH |  | SOLE | 0 | 0 | 0 | 2633 |
| UBER TECHNOLOGIES INC | COM | 90353T100 |  | 265439 | 2845 | SH |  | SOLE | 0 | 0 | 0 | 2845 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 5971470 | 10513 | SH |  | SOLE | 0 | 0 | 0 | 10513 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 487468 | 2057 | SH |  | SOLE | 0 | 0 | 0 | 2057 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 575643 | 1894 | SH |  | SOLE | 0 | 0 | 0 | 1894 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 542518 | 2782 | SH |  | SOLE | 0 | 0 | 0 | 2782 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 943941 | 3408 | SH |  | SOLE | 0 | 0 | 0 | 3408 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 2315593 | 8275 | SH |  | SOLE | 0 | 0 | 0 | 8275 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 648630 | 3944 | SH |  | SOLE | 0 | 0 | 0 | 3944 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 3564029 | 20165 | SH |  | SOLE | 0 | 0 | 0 | 20165 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 9836863 | 22438 | SH |  | SOLE | 0 | 0 | 0 | 22438 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 2428704 | 8540 | SH |  | SOLE | 0 | 0 | 0 | 8540 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 6857565 | 62798 | SH |  | SOLE | 0 | 0 | 0 | 62798 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1170098 | 5717 | SH |  | SOLE | 0 | 0 | 0 | 5717 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1596980 | 28012 | SH |  | SOLE | 0 | 0 | 0 | 28012 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 222754 | 5148 | SH |  | SOLE | 0 | 0 | 0 | 5148 |
| VICTORY PORTFOLIOS II | SHORT TRM BD ETF | 92647N535 |  | 14309489 | 281572 | SH |  | SOLE | 0 | 0 | 0 | 281572 |
| VISA INC | COM CL A | 92826C839 |  | 459080 | 1293 | SH |  | SOLE | 0 | 0 | 0 | 1293 |
| WALMART INC | COM | 931142103 |  | 395897 | 4049 | SH |  | SOLE | 0 | 0 | 0 | 4049 |
| WISDOMTREE TR | EMER MKT HIGH FD | 97717W315 |  | 1033065 | 22810 | SH |  | SOLE | 0 | 0 | 0 | 22810 |

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