# EDGAR Filing Document

**Accession Number:** 0001908217
**File Stem:** 0001172661-26-001597
**Filing Date:** 2026-5
**Character Count:** 17974
**Document Hash:** 50e5aaab7b51b7cfe6605cea6a2cc816
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-26-001597.hdr.sgml**: 20260505

**ACCESSION NUMBER**: 0001172661-26-001597

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260505

**DATE AS OF CHANGE**: 20260505

**EFFECTIVENESS DATE**: 20260505

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sandy Cove Advisors, LLC
- **CENTRAL INDEX KEY:** 0001908217

**ORGANIZATION NAME:**
- **EIN:** 271293149
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21605
- **FILM NUMBER:** 26940959

**BUSINESS ADDRESS:**
- **STREET 1:** 37 DERBY STREET
- **STREET 2:** SUITE 5
- **CITY:** HINGHAM
- **STATE:** MA
- **ZIP:** 02043
- **BUSINESS PHONE:** 617-622-1500

**MAIL ADDRESS:**
- **STREET 1:** 37 DERBY STREET
- **STREET 2:** SUITE 5
- **CITY:** HINGHAM
- **STATE:** MA
- **ZIP:** 02043

### 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:** Sandy Cove Advisors LLC<br>**Address:** 37 Derby Street<br>Suite 5<br>Hingham, MA 02043

**Form 13F File Number:** 028-21605

**CRD Number (if applicable):** 000152482

**SEC File Number (if applicable):** 801-107724

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:** Katherine Saltonstall<br>**Title:** Chief Compliance Officer<br>**Phone:** 617-622-1500

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

/s/ Katherine Saltonstall  Hingham, MA  05-02-2026<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:** 144

**Form 13F Information Table Value Total:** $334069212

      (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 |  | 369906 | 1701 | SH |  | SOLE |  | 0 | 0 | 1701 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 983482 | 4835 | SH |  | SOLE |  | 0 | 0 | 4835 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 4205276 | 14624 | SH |  | SOLE |  | 0 | 0 | 14624 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 3688533 | 12858 | SH |  | SOLE |  | 990 | 0 | 11868 |
| AMAZON COM INC | COM | 023135106 |  | 3657892 | 17563 | SH |  | SOLE |  | 544 | 0 | 17019 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 451176 | 1492 | SH |  | SOLE |  | 0 | 0 | 1492 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 1072403 | 2413 | SH |  | SOLE |  | 0 | 0 | 2413 |
| AMGEN INC | COM | 031162100 |  | 544293 | 1547 | SH |  | SOLE |  | 0 | 0 | 1547 |
| AON PLC | SHS CL A | G0403H108 |  | 350330 | 1085 | SH |  | SOLE |  | 0 | 0 | 1085 |
| APPLE INC | COM | 037833100 |  | 15092599 | 59469 | SH |  | SOLE |  | 12 | 0 | 59457 |
| APPLIED MATLS INC | COM | 038222105 |  | 1014235 | 2967 | SH |  | SOLE |  | 0 | 0 | 2967 |
| ASML HLDG NV | N Y REGISTRY SHS | N07059210 |  | 719166 | 544 | SH |  | SOLE |  | 0 | 0 | 544 |
| BANK AMERICA CORP | COM | 060505104 |  | 354489 | 7272 | SH |  | SOLE |  | 15 | 0 | 7257 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 622945 | 3962 | SH |  | SOLE |  | 0 | 0 | 3962 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 20331508 | 42428 | SH |  | SOLE |  | 4676 | 0 | 37752 |
| BHP BILLITON LIMITED | SPONSORED ADS | 088606108 |  | 296925 | 4082 | SH |  | SOLE |  | 0 | 0 | 4082 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 781138 | 15042 | SH |  | SOLE |  | 0 | 0 | 15042 |
| BLACKSTONE INC | COM | 09260D107 |  | 1448470 | 12596 | SH |  | SOLE |  | 0 | 0 | 12596 |
| BOEING CO | COM | 097023105 |  | 203807 | 1024 | SH |  | SOLE |  | 0 | 0 | 1024 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 227801 | 3756 | SH |  | SOLE |  | 400 | 0 | 3356 |
| BROADCOM INC | COM | 11135F101 |  | 1136810 | 3673 | SH |  | SOLE |  | 0 | 0 | 3673 |
| CATERPILLAR INC | COM | 149123101 |  | 918168 | 1296 | SH |  | SOLE |  | 0 | 0 | 1296 |
| CHEVRON CORPORATION | COM | 166764100 |  | 934122 | 4515 | SH |  | SOLE |  | 0 | 0 | 4515 |
| CHUBB LTD SWITZ | COM | H1467J104 |  | 712153 | 2185 | SH |  | SOLE |  | 0 | 0 | 2185 |
| CISCO SYS INC | COM | 17275R102 |  | 277381 | 3575 | SH |  | SOLE |  | 0 | 0 | 3575 |
| CITIGROUP INC | COM NEW | 172967424 |  | 286417 | 2525 | SH |  | SOLE |  | 0 | 0 | 2525 |
| COCA COLA CO | COM | 191216100 |  | 1402139 | 18437 | SH |  | SOLE |  | 0 | 0 | 18437 |
| COGNIZANT TECHNOLOGY SOLUTIO | CL A | 192446102 |  | 257532 | 4198 | SH |  | SOLE |  | 0 | 0 | 4198 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 1043812 | 12247 | SH |  | SOLE |  | 0 | 0 | 12247 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 725449 | 728 | SH |  | SOLE |  | 0 | 0 | 728 |
| DANAHER CORP DEL | COM | 235851102 |  | 1058651 | 5584 | SH |  | SOLE |  | 0 | 0 | 5584 |
| DIAGEO PLC | SPON ADR NEW | 25243Q205 |  | 447817 | 6015 | SH |  | SOLE |  | 0 | 0 | 6015 |
| EASTERN BANKSHARES INC | COM | 27627N105 |  | 1177415 | 60195 | SH |  | SOLE |  | 0 | 0 | 60195 |
| EATON CORP PLC | SHS | G29183103 |  | 293289 | 820 | SH |  | SOLE |  | 0 | 0 | 820 |
| EATON VANCE LIMITED DURATION | COM | 27828H105 |  | 147420 | 15600 | SH |  | SOLE |  | 0 | 0 | 15600 |
| EATON VANCE SR FLTNG RTE TR | COM | 27828Q105 |  | 261919 | 24850 | SH |  | SOLE |  | 0 | 0 | 24850 |
| ELI LILLY  CO | COM | 532457108 |  | 1987786 | 2161 | SH |  | SOLE |  | 0 | 0 | 2161 |
| EMCOR GROUP INC | COM | 29084Q100 |  | 664479 | 900 | SH |  | SOLE |  | 0 | 0 | 900 |
| EMERSON ELEC CO | COM | 291011104 |  | 363668 | 2776 | SH |  | SOLE |  | 0 | 0 | 2776 |
| EOG RES INC | COM | 26875P101 |  | 327076 | 2262 | SH |  | SOLE |  | 0 | 0 | 2262 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1941044 | 11441 | SH |  | SOLE |  | 0 | 0 | 11441 |
| FIDELITY WISE ORIGIN BITCOIN | SHS | 315948109 |  | 325830 | 5520 | SH |  | SOLE |  | 1044 | 0 | 4476 |
| GE AEROSPACE | COM NEW | 369604301 |  | 399707 | 1409 | SH |  | SOLE |  | 0 | 0 | 1409 |
| GE VERNOVA INC | COM | 36828A101 |  | 330641 | 379 | SH |  | SOLE |  | 0 | 0 | 379 |
| GLOBAL X FDS | US NATURAL GAS | 37960A172 |  | 200724 | 4300 | SH |  | SOLE |  | 0 | 0 | 4300 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 805017 | 952 | SH |  | SOLE |  | 52 | 0 | 900 |
| HOME DEPOT INC | COM | 437076102 |  | 1062320 | 3230 | SH |  | SOLE |  | 0 | 0 | 3230 |
| HONEYWELL INTL INC | COM | 438516106 |  | 1332082 | 5893 | SH |  | SOLE |  | 0 | 0 | 5893 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 1034913 | 3976 | SH |  | SOLE |  | 0 | 0 | 3976 |
| INTEL CORP | COM | 458140100 |  | 595152 | 13486 | SH |  | SOLE |  | 0 | 0 | 13486 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 800461 | 3302 | SH |  | SOLE |  | 0 | 0 | 3302 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 2927639 | 12321 | SH |  | SOLE |  | 1912 | 0 | 10409 |
| INVESCO EXCHANGE TRADED FD T | AI AND NEXT GEN | 46137V639 |  | 409446 | 7052 | SH |  | SOLE |  | 5552 | 0 | 1500 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 |  | 224104 | 4715 | SH |  | SOLE |  | 0 | 0 | 4715 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 4616207 | 7998 | SH |  | SOLE |  | 1199 | 0 | 6799 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 595697 | 6757 | SH |  | SOLE |  | 0 | 0 | 6757 |
| ISHARES INC | MSCI GBL GOLD MN | 46434G855 |  | 1318966 | 16700 | SH |  | SOLE |  | 0 | 0 | 16700 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1144153 | 9204 | SH |  | SOLE |  | 25 | 0 | 9179 |
| ISHARES TR | DOW JONES US ETF | 464287846 |  | 304629 | 1923 | SH |  | SOLE |  | 1923 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1283421 | 13213 | SH |  | SOLE |  | 1069 | 0 | 12144 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 341269 | 3510 | SH |  | SOLE |  | 0 | 0 | 3510 |
| ISHARES TR | CORE S ETF | 464287200 |  | 30102675 | 46084 | SH |  | SOLE |  | 3292 | 0 | 42792 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 816299 | 1914 | SH |  | SOLE |  | 0 | 0 | 1914 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 345647 | 3435 | SH |  | SOLE |  | 0 | 0 | 3435 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 8122823 | 120285 | SH |  | SOLE |  | 3985 | 0 | 116300 |
| ISHARES TR | TRUST ISHARE 0-1 | 464288679 |  | 708593 | 6419 | SH |  | SOLE |  | 3743 | 0 | 2676 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 1250579 | 14434 | SH |  | SOLE |  | 0 | 0 | 14434 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 442212 | 8736 | SH |  | SOLE |  | 0 | 0 | 8736 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 353104 | 1419 | SH |  | SOLE |  | 0 | 0 | 1419 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 7327212 | 80937 | SH |  | SOLE |  | 8620 | 0 | 72317 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 393616 | 3708 | SH |  | SOLE |  | 0 | 0 | 3708 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 11323065 | 215431 | SH |  | SOLE |  | 29793 | 0 | 185638 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 13393835 | 134923 | SH |  | SOLE |  | 21582 | 0 | 113341 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 509693 | 10071 | SH |  | SOLE |  | 0 | 0 | 10071 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 1315922 | 25813 | SH |  | SOLE |  | 0 | 0 | 25813 |
| J P MORGAN EXCHANGE TRADED F | JPMORGAM LTD DUR | 46654Q773 |  | 334566 | 6411 | SH |  | SOLE |  | 410 | 0 | 6001 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1586585 | 6491 | SH |  | SOLE |  | 75 | 0 | 6416 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 2873357 | 9768 | SH |  | SOLE |  | 0 | 0 | 9768 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 270767 | 448 | SH |  | SOLE |  | 0 | 0 | 448 |
| MARATHON PETE CORP | COM | 56585A102 |  | 208041 | 852 | SH |  | SOLE |  | 0 | 0 | 852 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 501260 | 1003 | SH |  | SOLE |  | 0 | 0 | 1003 |
| MERCK  CO INC | COM | 58933Y105 |  | 258887 | 2152 | SH |  | SOLE |  | 0 | 0 | 2152 |
| META PLATFORMS INC | CL A | 30303M102 |  | 2799331 | 4893 | SH |  | SOLE |  | 386 | 0 | 4507 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 277042 | 820 | SH |  | SOLE |  | 0 | 0 | 820 |
| MICROSOFT CORP | COM | 594918104 |  | 6020075 | 16263 | SH |  | SOLE |  | 332 | 0 | 15931 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 256744 | 4454 | SH |  | SOLE |  | 0 | 0 | 4454 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 5726803 | 34799 | SH |  | SOLE |  | 156 | 0 | 34643 |
| NANOVIRICIDES INC | COM | 630087302 |  | 9121 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| NETFLIX INC. | COM | 64110L106 |  | 1304373 | 13566 | SH |  | SOLE |  | 4399 | 0 | 9167 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 4286741 | 24580 | SH |  | SOLE |  | 801 | 0 | 23779 |
| ORACLE CORP | COM | 68389X105 |  | 466926 | 3174 | SH |  | SOLE |  | 0 | 0 | 3174 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 320355 | 2190 | SH |  | SOLE |  | 0 | 0 | 2190 |
| PEPSICO INC | COM | 713448108 |  | 756593 | 4872 | SH |  | SOLE |  | 0 | 0 | 4872 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 202092 | 1222 | SH |  | SOLE |  | 0 | 0 | 1222 |
| PHILLIPS 66 | COM | 718546104 |  | 370372 | 2033 | SH |  | SOLE |  | 0 | 0 | 2033 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 609947 | 4223 | SH |  | SOLE |  | 3 | 0 | 4220 |
| PROGRESSIVE CORP | COM | 743315103 |  | 242133 | 1221 | SH |  | SOLE |  | 0 | 0 | 1221 |
| PROLOGIS INC. | COM | 74340W103 |  | 499818 | 3781 | SH |  | SOLE |  | 0 | 0 | 3781 |
| PROSHARES TR | S 500 DV ARIST | 74348A467 |  | 215185 | 2030 | SH |  | SOLE |  | 0 | 0 | 2030 |
| QUALCOMM INC | COM | 747525103 |  | 301269 | 2339 | SH |  | SOLE |  | 0 | 0 | 2339 |
| REVOLUTION MEDICINES INC | COM | 76155X100 |  | 2626528 | 27008 | SH |  | SOLE |  | 0 | 0 | 27008 |
| RTX CORPORATION | COM | 75513E101 |  | 697790 | 3617 | SH |  | SOLE |  | 0 | 0 | 3617 |
| SALESFORCE INC | COM | 79466L302 |  | 271512 | 1455 | SH |  | SOLE |  | 0 | 0 | 1455 |
| SERVICENOW INC | COM | 81762P102 |  | 220601 | 2110 | SH |  | SOLE |  | 0 | 0 | 2110 |
| SNOWFLAKE INC | COM SHS | 833445109 |  | 301640 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 788722 | 1833 | SH |  | SOLE |  | 0 | 0 | 1833 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A201 |  | 457511 | 4735 | SH |  | SOLE |  | 1199 | 0 | 3536 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 |  | 757594 | 5191 | SH |  | SOLE |  | 1003 | 0 | 4188 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R853 |  | 381911 | 7904 | SH |  | SOLE |  | 1873 | 0 | 6031 |
| SPOTIFY TECHNOLOGY S A | SHS | L8681T102 |  | 330224 | 681 | SH |  | SOLE |  | 254 | 0 | 427 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL SILVER | 85207K107 |  | 365850 | 15000 | SH |  | SOLE |  | 0 | 0 | 15000 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD TR | 85207H104 |  | 1495603 | 42201 | SH |  | SOLE |  | 0 | 0 | 42201 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD AN | 85208R101 |  | 792152 | 16600 | SH |  | SOLE |  | 0 | 0 | 16600 |
| STATE STR SPDR DOW JONES IND | UT SER 1 | 78467X109 |  | 521280 | 1125 | SH |  | SOLE |  | 0 | 0 | 1125 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 3532227 | 5431 | SH |  | SOLE |  | 2473 | 0 | 2958 |
| T ROWE PRICE ETF INC | PRICE DIV GRWT | 87283Q404 |  | 866432 | 19414 | SH |  | SOLE |  | 836 | 0 | 18578 |
| TAIWAN SEMICONDUCTOR MANUFAC | SPONSORED ADS | 874039100 |  | 201555 | 596 | SH |  | SOLE |  | 0 | 0 | 596 |
| TESLA INC | COM | 88160R101 |  | 758954 | 2042 | SH |  | SOLE |  | 0 | 0 | 2042 |
| TEXAS INSTRS INC | COM | 882508104 |  | 274459 | 1414 | SH |  | SOLE |  | 0 | 0 | 1414 |
| TJX COS INC NEW | COM | 872540109 |  | 240382 | 1505 | SH |  | SOLE |  | 0 | 0 | 1505 |
| UNILEVER PLC | SPON ADR NEW | 904767803 |  | 610718 | 10720 | SH |  | SOLE |  | 0 | 0 | 10720 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 279882 | 730 | SH |  | SOLE |  | 143 | 0 | 587 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 623470 | 7951 | SH |  | SOLE |  | 913 | 0 | 7038 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 13947091 | 43475 | SH |  | SOLE |  | 8112 | 0 | 35363 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1779293 | 9069 | SH |  | SOLE |  | 222 | 0 | 8847 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 17649772 | 61459 | SH |  | SOLE |  | 6548 | 0 | 54911 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 28338607 | 47425 | SH |  | SOLE |  | 5739 | 0 | 41686 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 4464035 | 10220 | SH |  | SOLE |  | 540 | 0 | 9680 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 8733624 | 33345 | SH |  | SOLE |  | 3264 | 0 | 30081 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 1197988 | 14533 | SH |  | SOLE |  | 214 | 0 | 14319 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 20150040 | 268309 | SH |  | SOLE |  | 20058 | 0 | 248251 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 882956 | 11139 | SH |  | SOLE |  | 1021 | 0 | 10118 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 7269385 | 33802 | SH |  | SOLE |  | 4584 | 0 | 29218 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 8373787 | 130677 | SH |  | SOLE |  | 17249 | 0 | 113428 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 444237 | 3000 | SH |  | SOLE |  | 1426 | 0 | 1574 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 731199 | 1048 | SH |  | SOLE |  | 0 | 0 | 1048 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 339043 | 3020 | SH |  | SOLE |  | 0 | 0 | 3020 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 256040 | 5100 | SH |  | SOLE |  | 1745 | 0 | 3355 |
| VISA INC | COM CL A | 92826C839 |  | 648904 | 2147 | SH |  | SOLE |  | 0 | 0 | 2147 |
| WALMART INC | COM | 931142103 |  | 388251 | 3124 | SH |  | SOLE |  | 0 | 0 | 3124 |
| WELLS FARGO  CO | COM | 949746101 |  | 287863 | 3616 | SH |  | SOLE |  | 0 | 0 | 3616 |
| WILLIAMS COS INC | COM | 969457100 |  | 211846 | 2911 | SH |  | SOLE |  | 0 | 0 | 2911 |
| WISDOMTREE TR | US TOTAL DIVIDND | 97717W109 |  | 429354 | 4972 | SH |  | SOLE |  | 4972 | 0 | 0 |
| YUM BRANDS INC | COM | 988498101 |  | 211943 | 1363 | SH |  | SOLE |  | 0 | 0 | 1363 |

---