# EDGAR Filing Document

**Accession Number:** 0001865158
**File Stem:** 0001986152-26-000029
**Filing Date:** 2026-2
**Character Count:** 28697
**Document Hash:** edd986c0b79bda4dc7863a7dbc173822
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001986152-26-000029.hdr.sgml**: 20260212

**ACCESSION NUMBER**: 0001986152-26-000029

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260212

**DATE AS OF CHANGE**: 20260212

**EFFECTIVENESS DATE**: 20260212

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Keystone Financial Services
- **CENTRAL INDEX KEY:** 0001865158

**ORGANIZATION NAME:**
- **EIN:** 274282782
- **STATE OF INCORPORATION:** CO
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21556
- **FILM NUMBER:** 26625150

**BUSINESS ADDRESS:**
- **STREET 1:** 4090 CLYDESDALE PARKWAY
- **STREET 2:** SUITE 201
- **CITY:** LOVELAND
- **STATE:** CO
- **ZIP:** 80538
- **BUSINESS PHONE:** 970-744-5408

**MAIL ADDRESS:**
- **STREET 1:** 4090 CLYDESDALE PARKWAY
- **STREET 2:** SUITE 201
- **CITY:** LOVELAND
- **STATE:** CO
- **ZIP:** 80538

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** Keystone Financial Services<br>**Address:** 4090 CLYDESDALE PARKWAY<br>SUITE 201<br>LOVELAND, CO 80538

**Form 13F File Number:** 028-21556

**CRD Number (if applicable):** 000310623

**SEC File Number (if applicable):** 801-119534

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:** Tammi Ellis<br>**Title:** Compliance Consultant<br>**Phone:** 7204145177

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

Tammi Ellis  Broomfield, CO  02-12-2026<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:** 261

**Form 13F Information Table Value Total:** $331270605

      (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 |
| ACUITY INC | COM | 00508Y102 |  | 155537 | 432 | SH |  | SOLE | 0 | 0 | 0 | 432 |
| ACUITY INC | COM | 00508Y102 |  | 60847 | 169 | SH |  | SOLE | 0 | 0 | 0 | 169 |
| AFFILIATED MANAGERS GROUP IN | COM | 008252108 |  | 190841 | 662 | SH |  | SOLE | 0 | 0 | 0 | 662 |
| AFFILIATED MANAGERS GROUP IN | COM | 008252108 |  | 77836 | 270 | SH |  | SOLE | 0 | 0 | 0 | 270 |
| ALIBABA GROUP HLDG LTD | SPONSORED ADS | 01609W102 |  | 211808 | 1445 | SH |  | SOLE | 0 | 0 | 0 | 1445 |
| ALLEGION PLC | ORD SHS | G0176J109 |  | 24520 | 154 | SH |  | SOLE | 0 | 0 | 0 | 154 |
| ALLEGION PLC | ORD SHS | G0176J109 |  | 355379 | 2232 | SH |  | SOLE | 0 | 0 | 0 | 2232 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 2327014 | 7416 | SH |  | SOLE | 0 | 0 | 0 | 7416 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 16631 | 53 | SH |  | SOLE | 0 | 0 | 0 | 53 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1058447 | 3373 | SH |  | SOLE | 0 | 0 | 0 | 3373 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 870419 | 2781 | SH |  | SOLE | 0 | 0 | 0 | 2781 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 30674 | 98 | SH |  | SOLE | 0 | 0 | 0 | 98 |
| AMAZON COM INC | COM | 023135106 |  | 990479 | 4291 | SH |  | SOLE | 0 | 0 | 0 | 4291 |
| AMAZON COM INC | COM | 023135106 |  | 6001 | 26 | SH |  | SOLE | 0 | 0 | 0 | 26 |
| AMAZON COM INC | COM | 023135106 |  | 56782 | 246 | SH |  | SOLE | 0 | 0 | 0 | 246 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 248252 | 1837 | SH |  | SOLE | 0 | 0 | 0 | 1837 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 95003 | 703 | SH |  | SOLE | 0 | 0 | 0 | 703 |
| ANALOG DEVICES INC | COM | 032654105 |  | 1018119 | 3754 | SH |  | SOLE | 0 | 0 | 0 | 3754 |
| ANALOG DEVICES INC | COM | 032654105 |  | 7865 | 29 | SH |  | SOLE | 0 | 0 | 0 | 29 |
| ANALOG DEVICES INC | COM | 032654105 |  | 73766 | 272 | SH |  | SOLE | 0 | 0 | 0 | 272 |
| APPLE INC | COM | 037833100 |  | 1330832 | 4895 | SH |  | SOLE | 0 | 0 | 0 | 4895 |
| APPLIED MATLS INC | COM | 038222105 |  | 1170971 | 4556 | SH |  | SOLE | 0 | 0 | 0 | 4556 |
| APPLIED MATLS INC | COM | 038222105 |  | 6425 | 25 | SH |  | SOLE | 0 | 0 | 0 | 25 |
| APPLIED MATLS INC | COM | 038222105 |  | 76069 | 296 | SH |  | SOLE | 0 | 0 | 0 | 296 |
| APPLOVIN CORP | COM CL A | 03831W108 |  | 191244 | 284 | SH |  | SOLE | 0 | 0 | 0 | 284 |
| APPLOVIN CORP | COM CL A | 03831W108 |  | 74794 | 111 | SH |  | SOLE | 0 | 0 | 0 | 111 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 211309 | 1613 | SH |  | SOLE | 0 | 0 | 0 | 1613 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 87528 | 668 | SH |  | SOLE | 0 | 0 | 0 | 668 |
| BANK AMERICA CORP | COM | 060505104 |  | 635890 | 11562 | SH |  | SOLE | 0 | 0 | 0 | 11562 |
| BANK AMERICA CORP | COM | 060505104 |  | 4675 | 85 | SH |  | SOLE | 0 | 0 | 0 | 85 |
| BANK AMERICA CORP | COM | 060505104 |  | 44495 | 809 | SH |  | SOLE | 0 | 0 | 0 | 809 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 967090 | 8331 | SH |  | SOLE | 0 | 0 | 0 | 8331 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 7662 | 66 | SH |  | SOLE | 0 | 0 | 0 | 66 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 261435 | 2252 | SH |  | SOLE | 0 | 0 | 0 | 2252 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 770518 | 3970 | SH |  | SOLE | 0 | 0 | 0 | 3970 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 7375 | 38 | SH |  | SOLE | 0 | 0 | 0 | 38 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 262577 | 1353 | SH |  | SOLE | 0 | 0 | 0 | 1353 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 2509374 | 4992 | SH |  | SOLE | 0 | 0 | 0 | 4992 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 17090 | 34 | SH |  | SOLE | 0 | 0 | 0 | 34 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 624794 | 1243 | SH |  | SOLE | 0 | 0 | 0 | 1243 |
| BLACKROCK ETF TRUST | ISHARES US THEMA | 09290C806 |  | 5969449 | 154809 | SH |  | SOLE | 0 | 732 | 0 | 154077 |
| BLACKROCK ETF TRUST | ISHARES US THEMA | 09290C806 |  | 3878182 | 100575 | SH |  | SOLE | 0 | 0 | 0 | 100575 |
| BLACKROCK ETF TRUST | ISHARES A I INNO | 09290C780 |  | 5265360 | 158119 | SH |  | SOLE | 0 | 664 | 0 | 157455 |
| BLACKROCK ETF TRUST | ISHARES A I INNO | 09290C780 |  | 3209175 | 96372 | SH |  | SOLE | 0 | 0 | 0 | 96372 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 15584483 | 256282 | SH |  | SOLE | 0 | 1127 | 0 | 255155 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 9757214 | 160454 | SH |  | SOLE | 0 | 0 | 0 | 160454 |
| BLACKROCK ETF TRUST | ISHARES WORLD EX | 09290C608 |  | 37879 | 693 | SH |  | SOLE | 0 | 0 | 0 | 693 |
| BLACKROCK ETF TRUST | ISHARES WORLD EX | 09290C608 |  | 165729 | 3032 | SH |  | SOLE | 0 | 0 | 0 | 3032 |
| BLACKROCK ETF TRUST | ISHARES US CARBO | 09290C509 |  | 239165 | 3228 | SH |  | SOLE | 0 | 0 | 0 | 3228 |
| BLACKROCK ETF TRUST | ISHARES US CARBO | 09290C509 |  | 1065131 | 14376 | SH |  | SOLE | 0 | 0 | 0 | 14376 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 2666574 | 50532 | SH |  | SOLE | 0 | 0 | 0 | 50532 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 1002604 | 19000 | SH |  | SOLE | 0 | 0 | 0 | 19000 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 1416509 | 265 | SH |  | SOLE | 0 | 0 | 0 | 265 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 5355 | 1 | SH |  | SOLE | 0 | 0 | 0 | 1 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 508756 | 95 | SH |  | SOLE | 0 | 0 | 0 | 95 |
| BROADCOM INC | COM | 11135F101 |  | 1589880 | 4594 | SH |  | SOLE | 0 | 0 | 0 | 4594 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 1777 | 7 | SH |  | SOLE | 0 | 0 | 0 | 7 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 218124 | 900 | SH |  | SOLE | 0 | 0 | 0 | 900 |
| CARMAX INC | COM | 143130102 |  | 336933 | 8720 | SH |  | SOLE | 0 | 0 | 0 | 8720 |
| CARMAX INC | COM | 143130102 |  | 3516 | 91 | SH |  | SOLE | 0 | 0 | 0 | 91 |
| CARMAX INC | COM | 143130102 |  | 105758 | 2737 | SH |  | SOLE | 0 | 0 | 0 | 2737 |
| CENCORA INC | COM | 03073E105 |  | 284723 | 843 | SH |  | SOLE | 0 | 0 | 0 | 843 |
| CENCORA INC | COM | 03073E105 |  | 66199 | 196 | SH |  | SOLE | 0 | 0 | 0 | 196 |
| CENCORA INC | COM | 03073E105 |  | 7431 | 22 | SH |  | SOLE | 0 | 0 | 0 | 22 |
| CITIGROUP INC | COM NEW | 172967424 |  | 2537 | 22 | SH |  | SOLE | 0 | 0 | 0 | 22 |
| CITIGROUP INC | COM NEW | 172967424 |  | 279823 | 2398 | SH |  | SOLE | 0 | 0 | 0 | 2398 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 759924 | 25424 | SH |  | SOLE | 0 | 0 | 0 | 25424 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 7801 | 261 | SH |  | SOLE | 0 | 0 | 0 | 261 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 204358 | 6837 | SH |  | SOLE | 0 | 0 | 0 | 6837 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 856556 | 9150 | SH |  | SOLE | 0 | 0 | 0 | 9150 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 7114 | 76 | SH |  | SOLE | 0 | 0 | 0 | 76 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 61970 | 662 | SH |  | SOLE | 0 | 0 | 0 | 662 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 153422 | 434 | SH |  | SOLE | 0 | 0 | 0 | 434 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 64295 | 182 | SH |  | SOLE | 0 | 0 | 0 | 182 |
| CORNING INC | COM | 219350105 |  | 198556 | 2268 | SH |  | SOLE | 0 | 0 | 0 | 2268 |
| CORNING INC | COM | 219350105 |  | 77491 | 885 | SH |  | SOLE | 0 | 0 | 0 | 885 |
| CVS HEALTH CORP | COM | 126650100 |  | 1079 | 14 | SH |  | SOLE | 0 | 0 | 0 | 14 |
| CVS HEALTH CORP | COM | 126650100 |  | 215780 | 2719 | SH |  | SOLE | 0 | 0 | 0 | 2719 |
| DIAMONDBACK ENERGY INC | COM | 25278X109 |  | 14131 | 94 | SH |  | SOLE | 0 | 0 | 0 | 94 |
| DIAMONDBACK ENERGY INC | COM | 25278X109 |  | 202645 | 1348 | SH |  | SOLE | 0 | 0 | 0 | 1348 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 794584 | 20070 | SH |  | SOLE | 0 | 0 | 0 | 20070 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 464834 | 14202 | SH |  | SOLE | 0 | 0 | 0 | 14202 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 224887 | 5284 | SH |  | SOLE | 0 | 0 | 0 | 5284 |
| EBAY INC. | COM | 278642103 |  | 495903 | 5693 | SH |  | SOLE | 0 | 0 | 0 | 5693 |
| EBAY INC. | COM | 278642103 |  | 3049 | 35 | SH |  | SOLE | 0 | 0 | 0 | 35 |
| EBAY INC. | COM | 278642103 |  | 245187 | 2815 | SH |  | SOLE | 0 | 0 | 0 | 2815 |
| ELEVANCE HEALTH INC FORMERLY | COM | 036752103 |  | 522724 | 1491 | SH |  | SOLE | 0 | 0 | 0 | 1491 |
| ELEVANCE HEALTH INC FORMERLY | COM | 036752103 |  | 4557 | 13 | SH |  | SOLE | 0 | 0 | 0 | 13 |
| ELEVANCE HEALTH INC FORMERLY | COM | 036752103 |  | 44520 | 127 | SH |  | SOLE | 0 | 0 | 0 | 127 |
| ENBRIDGE INC | COM | 29250N105 |  | 338780 | 7083 | SH |  | SOLE | 0 | 0 | 0 | 7083 |
| EVERCORE INC | CLASS A | 29977A105 |  | 156515 | 460 | SH |  | SOLE | 0 | 0 | 0 | 460 |
| EVERCORE INC | CLASS A | 29977A105 |  | 65328 | 192 | SH |  | SOLE | 0 | 0 | 0 | 192 |
| EXPEDIA GROUP INC | COM NEW | 30212P303 |  | 157237 | 555 | SH |  | SOLE | 0 | 0 | 0 | 555 |
| EXPEDIA GROUP INC | COM NEW | 30212P303 |  | 52129 | 184 | SH |  | SOLE | 0 | 0 | 0 | 184 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 734779 | 6106 | SH |  | SOLE | 0 | 0 | 0 | 6106 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 5656 | 47 | SH |  | SOLE | 0 | 0 | 0 | 47 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 47895 | 398 | SH |  | SOLE | 0 | 0 | 0 | 398 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 959654 | 2851 | SH |  | SOLE | 0 | 0 | 0 | 2851 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 8080 | 24 | SH |  | SOLE | 0 | 0 | 0 | 24 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 68005 | 202 | SH |  | SOLE | 0 | 0 | 0 | 202 |
| GENERAL MTRS CO | COM | 37045V100 |  | 1369 | 17 | SH |  | SOLE | 0 | 0 | 0 | 17 |
| GENERAL MTRS CO | COM | 37045V100 |  | 207203 | 2548 | SH |  | SOLE | 0 | 0 | 0 | 2548 |
| GUIDEWIRE SOFTWARE INC | COM | 40171V100 |  | 147461 | 734 | SH |  | SOLE | 0 | 0 | 0 | 734 |
| GUIDEWIRE SOFTWARE INC | COM | 40171V100 |  | 56886 | 283 | SH |  | SOLE | 0 | 0 | 0 | 283 |
| HOWARD HUGHES HOLDINGS INC | COM | 44267T102 |  | 160896 | 2017 | SH |  | SOLE | 0 | 0 | 0 | 2017 |
| HOWARD HUGHES HOLDINGS INC | COM | 44267T102 |  | 68363 | 857 | SH |  | SOLE | 0 | 0 | 0 | 857 |
| INGREDION INC | COM | 457187102 |  | 11247 | 102 | SH |  | SOLE | 0 | 0 | 0 | 102 |
| INGREDION INC | COM | 457187102 |  | 234413 | 2126 | SH |  | SOLE | 0 | 0 | 0 | 2126 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 661377 | 1077 | SH |  | SOLE | 0 | 0 | 0 | 1077 |
| IQVIA HLDGS INC | COM | 46266C105 |  | 274324 | 1217 | SH |  | SOLE | 0 | 0 | 0 | 1217 |
| IQVIA HLDGS INC | COM | 46266C105 |  | 19160 | 85 | SH |  | SOLE | 0 | 0 | 0 | 85 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 262351 | 5284 | SH |  | SOLE | 0 | 0 | 0 | 5284 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 3377971 | 41616 | SH |  | SOLE | 0 | 131 | 0 | 41485 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 1914841 | 23591 | SH |  | SOLE | 0 | 0 | 0 | 23591 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 91167 | 2064 | SH |  | SOLE | 0 | 0 | 0 | 2064 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 333174 | 7543 | SH |  | SOLE | 0 | 0 | 0 | 7543 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 10712924 | 159371 | SH |  | SOLE | 0 | 841 | 0 | 158530 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 6654049 | 98989 | SH |  | SOLE | 0 | 0 | 0 | 98989 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 300000 | 4128 | SH |  | SOLE | 0 | 0 | 0 | 4128 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 62214 | 856 | SH |  | SOLE | 0 | 0 | 0 | 856 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 105890 | 1839 | SH |  | SOLE | 0 | 0 | 0 | 1839 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 453615 | 7878 | SH |  | SOLE | 0 | 0 | 0 | 7878 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 44720 | 470 | SH |  | SOLE | 0 | 0 | 0 | 470 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 238866 | 2512 | SH |  | SOLE | 0 | 0 | 0 | 2512 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 343813 | 2308 | SH |  | SOLE | 0 | 0 | 0 | 2308 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 930380 | 6245 | SH |  | SOLE | 0 | 0 | 0 | 6245 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 77965 | 3334 | SH |  | SOLE | 0 | 0 | 0 | 3334 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 566798 | 24238 | SH |  | SOLE | 0 | 0 | 0 | 24238 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 305634 | 13274 | SH |  | SOLE | 0 | 0 | 0 | 13274 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 136446 | 5926 | SH |  | SOLE | 0 | 0 | 0 | 5926 |
| ISHARES TR | CONV BD ETF | 46435G102 |  | 271959 | 2761 | SH |  | SOLE | 0 | 0 | 0 | 2761 |
| ISHARES TR | CONV BD ETF | 46435G102 |  | 139181 | 1413 | SH |  | SOLE | 0 | 0 | 0 | 1413 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 3255889 | 65105 | SH |  | SOLE | 0 | 177 | 0 | 64928 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 1693535 | 33864 | SH |  | SOLE | 0 | 0 | 0 | 33864 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 4425732 | 17681 | SH |  | SOLE | 0 | 94 | 0 | 17587 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 2716459 | 10852 | SH |  | SOLE | 0 | 0 | 0 | 10852 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 12502351 | 62946 | SH |  | SOLE | 0 | 228 | 0 | 62718 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 8594835 | 43273 | SH |  | SOLE | 0 | 0 | 0 | 43273 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 |  | 15596076 | 335111 | SH |  | SOLE | 0 | 570 | 0 | 334541 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 |  | 7592301 | 163135 | SH |  | SOLE | 0 | 0 | 0 | 163135 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 301027 | 2940 | SH |  | SOLE | 0 | 0 | 0 | 2940 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 136895 | 1337 | SH |  | SOLE | 0 | 0 | 0 | 1337 |
| ISHARES TR | ESG AWR MSCI USA | 46436E221 |  | 63375 | 1978 | SH |  | SOLE | 0 | 0 | 0 | 1978 |
| ISHARES TR | ESG AWR MSCI USA | 46436E221 |  | 194002 | 6055 | SH |  | SOLE | 0 | 0 | 0 | 6055 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 12772078 | 178856 | SH |  | SOLE | 0 | 816 | 0 | 178040 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 8288058 | 116063 | SH |  | SOLE | 0 | 0 | 0 | 116063 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 1700195 | 14924 | SH |  | SOLE | 0 | 0 | 0 | 14924 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 1374368 | 12064 | SH |  | SOLE | 0 | 0 | 0 | 12064 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 2128007 | 9912 | SH |  | SOLE | 0 | 40 | 0 | 9872 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 1347609 | 6277 | SH |  | SOLE | 0 | 0 | 0 | 6277 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 5787638 | 56926 | SH |  | SOLE | 0 | 152 | 0 | 56774 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 2988906 | 29398 | SH |  | SOLE | 0 | 0 | 0 | 29398 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 155755 | 1209 | SH |  | SOLE | 0 | 0 | 0 | 1209 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 676744 | 5253 | SH |  | SOLE | 0 | 0 | 0 | 5253 |
| ISHARES TR | MBS ETF | 464288588 |  | 4311304 | 45277 | SH |  | SOLE | 0 | 40 | 0 | 45237 |
| ISHARES TR | MBS ETF | 464288588 |  | 1833091 | 19251 | SH |  | SOLE | 0 | 0 | 0 | 19251 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1322166 | 12344 | SH |  | SOLE | 0 | 0 | 0 | 12344 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 1055036 | 10958 | SH |  | SOLE | 0 | 0 | 0 | 10958 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 381413 | 3962 | SH |  | SOLE | 0 | 0 | 0 | 3962 |
| ISHARES TR | S 100 ETF | 464287101 |  | 10602846 | 30915 | SH |  | SOLE | 0 | 128 | 0 | 30787 |
| ISHARES TR | S 100 ETF | 464287101 |  | 6481860 | 18899 | SH |  | SOLE | 0 | 0 | 0 | 18899 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 325092 | 3730 | SH |  | SOLE | 0 | 0 | 0 | 3730 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 197679 | 2268 | SH |  | SOLE | 0 | 0 | 0 | 2268 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 910278 | 4559 | SH |  | SOLE | 0 | 29 | 0 | 4530 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 723644 | 3624 | SH |  | SOLE | 0 | 0 | 0 | 3624 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 13205753 | 62271 | SH |  | SOLE | 0 | 360 | 0 | 61911 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 8199164 | 38663 | SH |  | SOLE | 0 | 0 | 0 | 38663 |
| ISHARES TR | CORE S ETF | 464287200 |  | 16826635 | 24567 | SH |  | SOLE | 0 | 96 | 0 | 24471 |
| ISHARES TR | CORE S ETF | 464287200 |  | 10617080 | 15501 | SH |  | SOLE | 0 | 0 | 0 | 15501 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 14047577 | 113967 | SH |  | SOLE | 0 | 519 | 0 | 113448 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 8768727 | 71140 | SH |  | SOLE | 0 | 0 | 0 | 71140 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 2277958 | 7070 | SH |  | SOLE | 0 | 0 | 0 | 7070 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 11600 | 36 | SH |  | SOLE | 0 | 0 | 0 | 36 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 550996 | 1710 | SH |  | SOLE | 0 | 0 | 0 | 1710 |
| MASTEC INC | COM | 576323109 |  | 156289 | 719 | SH |  | SOLE | 0 | 0 | 0 | 719 |
| MASTEC INC | COM | 576323109 |  | 61081 | 281 | SH |  | SOLE | 0 | 0 | 0 | 281 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 223900 | 392 | SH |  | SOLE | 0 | 0 | 0 | 392 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 12559 | 22 | SH |  | SOLE | 0 | 0 | 0 | 22 |
| MCKESSON CORP | COM | 58155Q103 |  | 1054927 | 1286 | SH |  | SOLE | 0 | 0 | 0 | 1286 |
| MCKESSON CORP | COM | 58155Q103 |  | 86951 | 106 | SH |  | SOLE | 0 | 0 | 0 | 106 |
| MCKESSON CORP | COM | 58155Q103 |  | 62342 | 76 | SH |  | SOLE | 0 | 0 | 0 | 76 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 781540 | 8136 | SH |  | SOLE | 0 | 0 | 0 | 8136 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 6916 | 72 | SH |  | SOLE | 0 | 0 | 0 | 72 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 59173 | 616 | SH |  | SOLE | 0 | 0 | 0 | 616 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1628275 | 2467 | SH |  | SOLE | 0 | 0 | 0 | 2467 |
| META PLATFORMS INC | CL A | 30303M102 |  | 10561 | 16 | SH |  | SOLE | 0 | 0 | 0 | 16 |
| META PLATFORMS INC | CL A | 30303M102 |  | 566357 | 858 | SH |  | SOLE | 0 | 0 | 0 | 858 |
| MICROSOFT CORP | COM | 594918104 |  | 1549089 | 3203 | SH |  | SOLE | 0 | 0 | 0 | 3203 |
| MICROSOFT CORP | COM | 594918104 |  | 9672 | 20 | SH |  | SOLE | 0 | 0 | 0 | 20 |
| MICROSOFT CORP | COM | 594918104 |  | 439611 | 909 | SH |  | SOLE | 0 | 0 | 0 | 909 |
| NATIONAL FUEL GAS CO | COM | 636180101 |  | 173810 | 2171 | SH |  | SOLE | 0 | 0 | 0 | 2171 |
| NATIONAL FUEL GAS CO | COM | 636180101 |  | 67330 | 841 | SH |  | SOLE | 0 | 0 | 0 | 841 |
| NISOURCE INC | COM | 65473P105 |  | 157644 | 3775 | SH |  | SOLE | 0 | 0 | 0 | 3775 |
| NISOURCE INC | COM | 65473P105 |  | 60051 | 1438 | SH |  | SOLE | 0 | 0 | 0 | 1438 |
| NORTHERN TR CORP | COM | 665859104 |  | 238486 | 1746 | SH |  | SOLE | 0 | 0 | 0 | 1746 |
| NORTHERN TR CORP | COM | 665859104 |  | 93018 | 681 | SH |  | SOLE | 0 | 0 | 0 | 681 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 1011160 | 7334 | SH |  | SOLE | 0 | 0 | 0 | 7334 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 7721 | 56 | SH |  | SOLE | 0 | 0 | 0 | 56 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 71417 | 518 | SH |  | SOLE | 0 | 0 | 0 | 518 |
| OMNICOM GROUP INC | COM | 681919106 |  | 568556 | 7041 | SH |  | SOLE | 0 | 0 | 0 | 7041 |
| OMNICOM GROUP INC | COM | 681919106 |  | 6218 | 77 | SH |  | SOLE | 0 | 0 | 0 | 77 |
| OMNICOM GROUP INC | COM | 681919106 |  | 38518 | 477 | SH |  | SOLE | 0 | 0 | 0 | 477 |
| ORACLE CORP | COM | 68389X105 |  | 740445 | 3799 | SH |  | SOLE | 0 | 0 | 0 | 3799 |
| ORACLE CORP | COM | 68389X105 |  | 4678 | 24 | SH |  | SOLE | 0 | 0 | 0 | 24 |
| ORACLE CORP | COM | 68389X105 |  | 61007 | 313 | SH |  | SOLE | 0 | 0 | 0 | 313 |
| PEPSICO INC | COM | 713448108 |  | 297666 | 2074 | SH |  | SOLE | 0 | 0 | 0 | 2074 |
| PEPSICO INC | COM | 713448108 |  | 2296 | 16 | SH |  | SOLE | 0 | 0 | 0 | 16 |
| PEPSICO INC | COM | 713448108 |  | 20093 | 140 | SH |  | SOLE | 0 | 0 | 0 | 140 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 1782918 | 11115 | SH |  | SOLE | 0 | 0 | 0 | 11115 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 14276 | 89 | SH |  | SOLE | 0 | 0 | 0 | 89 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 124470 | 776 | SH |  | SOLE | 0 | 0 | 0 | 776 |
| QUALCOMM INC | COM | 747525103 |  | 88476 | 517 | SH |  | SOLE | 0 | 0 | 0 | 517 |
| QUALCOMM INC | COM | 747525103 |  | 233141 | 1363 | SH |  | SOLE | 0 | 0 | 0 | 1363 |
| RENTOKIL INITIAL PLC | SPONSORED ADR | 760125104 |  | 28841 | 979 | SH |  | SOLE | 0 | 0 | 0 | 979 |
| RENTOKIL INITIAL PLC | SPONSORED ADR | 760125104 |  | 337111 | 11443 | SH |  | SOLE | 0 | 0 | 0 | 11443 |
| RTX CORPORATION | COM | 75513E101 |  | 405420 | 2211 | SH |  | SOLE | 0 | 0 | 0 | 2211 |
| RTX CORPORATION | COM | 75513E101 |  | 2934 | 16 | SH |  | SOLE | 0 | 0 | 0 | 16 |
| RTX CORPORATION | COM | 75513E101 |  | 251625 | 1372 | SH |  | SOLE | 0 | 0 | 0 | 1372 |
| SANOFI SA | SPONSORED ADR | 80105N105 |  | 558537 | 11526 | SH |  | SOLE | 0 | 0 | 0 | 11526 |
| SANOFI SA | SPONSORED ADR | 80105N105 |  | 4652 | 96 | SH |  | SOLE | 0 | 0 | 0 | 96 |
| SANOFI SA | SPONSORED ADR | 80105N105 |  | 146204 | 3017 | SH |  | SOLE | 0 | 0 | 0 | 3017 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 1536605 | 15380 | SH |  | SOLE | 0 | 0 | 0 | 15380 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 9591 | 96 | SH |  | SOLE | 0 | 0 | 0 | 96 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 468178 | 4686 | SH |  | SOLE | 0 | 0 | 0 | 4686 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 536432 | 3726 | SH |  | SOLE | 0 | 0 | 0 | 3726 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 31256 | 217 | SH |  | SOLE | 0 | 0 | 0 | 217 |
| SOFI TECHNOLOGIES INC | COM | 83406F102 |  | 186454 | 7122 | SH |  | SOLE | 0 | 0 | 0 | 7122 |
| SOFI TECHNOLOGIES INC | COM | 83406F102 |  | 73906 | 2823 | SH |  | SOLE | 0 | 0 | 0 | 2823 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 253931 | 5718 | SH |  | SOLE | 0 | 0 | 0 | 5718 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 699526 | 1026 | SH |  | SOLE | 0 | 0 | 0 | 1026 |
| STIFEL FINL CORP | COM | 860630102 |  | 147885 | 1181 | SH |  | SOLE | 0 | 0 | 0 | 1181 |
| STIFEL FINL CORP | COM | 860630102 |  | 60231 | 481 | SH |  | SOLE | 0 | 0 | 0 | 481 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 361723 | 1190 | SH |  | SOLE | 0 | 0 | 0 | 1190 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 19449 | 64 | SH |  | SOLE | 0 | 0 | 0 | 64 |
| THE CIGNA GROUP | COM | 125523100 |  | 203945 | 741 | SH |  | SOLE | 0 | 0 | 0 | 741 |
| UNILEVER PLC | SPON ADR NEW | 904767803 |  | 882115 | 13488 | SH |  | SOLE | 0 | 0 | 0 | 13488 |
| UNILEVER PLC | SPON ADR NEW | 904767803 |  | 7521 | 115 | SH |  | SOLE | 0 | 0 | 0 | 115 |
| UNILEVER PLC | SPON ADR NEW | 904767803 |  | 66773 | 1021 | SH |  | SOLE | 0 | 0 | 0 | 1021 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 437257 | 1304 | SH |  | SOLE | 0 | 0 | 0 | 1304 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 191104 | 570 | SH |  | SOLE | 0 | 0 | 0 | 570 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 123715 | 369 | SH |  | SOLE | 0 | 0 | 0 | 369 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 604635 | 2344 | SH |  | SOLE | 0 | 0 | 0 | 2344 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 587019 | 936 | SH |  | SOLE | 0 | 0 | 0 | 936 |
| VERISIGN INC | COM | 92343E102 |  | 7531 | 31 | SH |  | SOLE | 0 | 0 | 0 | 31 |
| VERISIGN INC | COM | 92343E102 |  | 232503 | 957 | SH |  | SOLE | 0 | 0 | 0 | 957 |
| VISA INC | COM CL A | 92826C839 |  | 942047 | 2686 | SH |  | SOLE | 0 | 0 | 0 | 2686 |
| VISA INC | COM CL A | 92826C839 |  | 4910 | 14 | SH |  | SOLE | 0 | 0 | 0 | 14 |
| VISA INC | COM CL A | 92826C839 |  | 57516 | 164 | SH |  | SOLE | 0 | 0 | 0 | 164 |
| WARNER BROS DISCOVERY INC | COM SER A | 934423104 |  | 16834 | 584 | SH |  | SOLE | 0 | 0 | 0 | 584 |
| WARNER BROS DISCOVERY INC | COM SER A | 934423104 |  | 338606 | 11749 | SH |  | SOLE | 0 | 0 | 0 | 11749 |
| WARNER MUSIC GROUP CORP | COM CL A | 934550203 |  | 14875 | 485 | SH |  | SOLE | 0 | 0 | 0 | 485 |
| WARNER MUSIC GROUP CORP | COM CL A | 934550203 |  | 274435 | 8948 | SH |  | SOLE | 0 | 0 | 0 | 8948 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 1343058 | 14410 | SH |  | SOLE | 0 | 0 | 0 | 14410 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 10811 | 116 | SH |  | SOLE | 0 | 0 | 0 | 116 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 391626 | 4202 | SH |  | SOLE | 0 | 0 | 0 | 4202 |
| WILLIAMS COS INC | COM | 969457100 |  | 167244 | 2782 | SH |  | SOLE | 0 | 0 | 0 | 2782 |
| WILLIAMS COS INC | COM | 969457100 |  | 65340 | 1087 | SH |  | SOLE | 0 | 0 | 0 | 1087 |
| WYNDHAM HOTELS  RESORTS INC | COM | 98311A105 |  | 15263 | 202 | SH |  | SOLE | 0 | 0 | 0 | 202 |
| WYNDHAM HOTELS  RESORTS INC | COM | 98311A105 |  | 184895 | 2447 | SH |  | SOLE | 0 | 0 | 0 | 2447 |
| YUM CHINA HLDGS INC | COM | 98850P109 |  | 26591 | 557 | SH |  | SOLE | 0 | 0 | 0 | 557 |
| YUM CHINA HLDGS INC | COM | 98850P109 |  | 244858 | 5129 | SH |  | SOLE | 0 | 0 | 0 | 5129 |

---