# EDGAR Filing Document

**Accession Number:** 0001958984
**File Stem:** 0001951757-25-001378
**Filing Date:** 2025-11
**Character Count:** 20739
**Document Hash:** 890549acfc69136266dc1bd562ce71b8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-001378.hdr.sgml**: 20251112

**ACCESSION NUMBER**: 0001951757-25-001378

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251112

**DATE AS OF CHANGE**: 20251112

**EFFECTIVENESS DATE**: 20251112

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Verum Partners LLC
- **CENTRAL INDEX KEY:** 0001958984

**ORGANIZATION NAME:**
- **EIN:** 834337981
- **STATE OF INCORPORATION:** NC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22759
- **FILM NUMBER:** 251469433

**BUSINESS ADDRESS:**
- **STREET 1:** 2333 RANDOLPH ROAD
- **STREET 2:** SUITE 250
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28207
- **BUSINESS PHONE:** (980) 771-3999

**MAIL ADDRESS:**
- **STREET 1:** 2333 RANDOLPH ROAD
- **STREET 2:** SUITE 250
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28207

### 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:** Verum Partners LLC<br>**Address:** 2333 RANDOLPH ROAD<br>SUITE 250<br>CHARLOTTE, NC 28207

**Form 13F File Number:** 028-22759

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:** Holly Skipper<br>**Title:** Chief Compliance Officer<br>**Phone:** (980) 771-3999

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

Holly Skipper  Charlotte, NC  11-12-2025<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:** 172

**Form 13F Information Table Value Total:** $470529717

      (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 |
| 2023 ETF SERIES TRUST II | GMO US QUALITY E | 90139K100 |  | 14704324 | 406309 | SH |  | SOLE |  | 0 | 0 | 406309 |
| 3M CO | COM | 88579Y101 |  | 448659 | 2891 | SH |  | SOLE |  | 0 | 0 | 2891 |
| ABBOTT LABS | COM | 002824100 |  | 421343 | 3146 | SH |  | SOLE |  | 0 | 0 | 3146 |
| ABBVIE INC | COM | 00287Y109 |  | 790728 | 3415 | SH |  | SOLE |  | 0 | 0 | 3415 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 427642 | 1734 | SH |  | SOLE |  | 0 | 0 | 1734 |
| ALLSTATE CORP | COM | 020002101 |  | 294892 | 1374 | SH |  | SOLE |  | 0 | 0 | 1374 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1278354 | 5259 | SH |  | SOLE |  | 0 | 0 | 5259 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1396033 | 5732 | SH |  | SOLE |  | 0 | 0 | 5732 |
| AMAZON COM INC | COM | 023135106 |  | 4117394 | 18752 | SH |  | SOLE |  | 0 | 0 | 18752 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 207421 | 624 | SH |  | SOLE |  | 0 | 0 | 624 |
| AMERICAN INTL GROUP INC | COM NEW | 026874784 |  | 246243 | 3135 | SH |  | SOLE |  | 0 | 0 | 3135 |
| AMGEN INC | COM | 031162100 |  | 351619 | 1246 | SH |  | SOLE |  | 0 | 0 | 1246 |
| APPLE INC | COM | 037833100 |  | 6134186 | 24091 | SH |  | SOLE |  | 0 | 0 | 24091 |
| APPLIED MATLS INC | COM | 038222105 |  | 213928 | 1045 | SH |  | SOLE |  | 0 | 0 | 1045 |
| AT INC | COM | 00206R102 |  | 394531 | 13971 | SH |  | SOLE |  | 0 | 0 | 13971 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 556837 | 1897 | SH |  | SOLE |  | 0 | 0 | 1897 |
| BANK AMERICA CORP | COM | 060505104 |  | 674614 | 13076 | SH |  | SOLE |  | 0 | 0 | 13076 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1798502 | 3577 | SH |  | SOLE |  | 0 | 0 | 3577 |
| BLACKROCK INC | COM | 09290D101 |  | 490831 | 421 | SH |  | SOLE |  | 0 | 0 | 421 |
| BLACKSTONE INC | COM | 09260D107 |  | 397626 | 2327 | SH |  | SOLE |  | 0 | 0 | 2327 |
| BROADCOM INC | COM | 11135F101 |  | 2094482 | 6349 | SH |  | SOLE |  | 0 | 0 | 6349 |
| CAMBRIA ETF TR | SHSHLD YIELD ETF | 132061201 |  | 13007335 | 189446 | SH |  | SOLE |  | 0 | 0 | 189446 |
| CAMBRIA ETF TR | CAMBRIA FGN SHR | 132061300 |  | 6146532 | 197067 | SH |  | SOLE |  | 0 | 0 | 197067 |
| CATERPILLAR INC | COM | 149123101 |  | 500117 | 1048 | SH |  | SOLE |  | 0 | 0 | 1048 |
| CATO CORP NEW | CL A | 149205106 |  | 136860 | 32508 | SH |  | SOLE |  | 0 | 0 | 32508 |
| CHEVRON CORP NEW | COM | 166764100 |  | 589173 | 3794 | SH |  | SOLE |  | 0 | 0 | 3794 |
| CHUBB LIMITED | COM | H1467J104 |  | 254558 | 902 | SH |  | SOLE |  | 0 | 0 | 902 |
| CISCO SYS INC | COM | 17275R102 |  | 301014 | 4400 | SH |  | SOLE |  | 0 | 0 | 4400 |
| COCA COLA CO | COM | 191216100 |  | 4218971 | 63615 | SH |  | SOLE |  | 0 | 0 | 63615 |
| COMPASS INC | CL A | 20464U100 |  | 123076 | 15327 | SH |  | SOLE |  | 0 | 0 | 15327 |
| CORE SCIENTIFIC INC NEW | *W EXP 01/23/202 | 21874A114 |  | 140921 | 12117 | SH |  | SOLE |  | 0 | 0 | 12117 |
| CORE SCIENTIFIC INC NEW | *W EXP 01/23/202 | 21874A130 |  | 946586 | 52764 | SH |  | SOLE |  | 0 | 0 | 52764 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 644063 | 696 | SH |  | SOLE |  | 0 | 0 | 696 |
| CSX CORP | COM | 126408103 |  | 255711 | 7201 | SH |  | SOLE |  | 0 | 0 | 7201 |
| DELTA AIR LINES INC DEL | COM NEW | 247361702 |  | 283493 | 4995 | SH |  | SOLE |  | 0 | 0 | 4995 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 4258307 | 92331 | SH |  | SOLE |  | 0 | 0 | 92331 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 |  | 2852255 | 89440 | SH |  | SOLE |  | 0 | 0 | 89440 |
| DIMENSIONAL ETF TRUST | WORLD EQUITY ETF | 25434V617 |  | 511068 | 7112 | SH |  | SOLE |  | 0 | 0 | 7112 |
| DIVERSIFIED HEALTHCARE TR | COM SH BEN INT | 25525P107 |  | 50953 | 11554 | SH |  | SOLE |  | 0 | 0 | 11554 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 440715 | 3561 | SH |  | SOLE |  | 0 | 0 | 3561 |
| EATON CORP PLC | SHS | G29183103 |  | 388041 | 1037 | SH |  | SOLE |  | 0 | 0 | 1037 |
| ELI LILLY  CO | COM | 532457108 |  | 3191096 | 4182 | SH |  | SOLE |  | 0 | 0 | 4182 |
| ENPRO INC | COM | 29355X107 |  | 576185 | 2549 | SH |  | SOLE |  | 0 | 0 | 2549 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 443414 | 3933 | SH |  | SOLE |  | 0 | 0 | 3933 |
| GE AEROSPACE | COM NEW | 369604301 |  | 1023535 | 3402 | SH |  | SOLE |  | 0 | 0 | 3402 |
| GE VERNOVA INC | COM | 36828A101 |  | 519154 | 844 | SH |  | SOLE |  | 0 | 0 | 844 |
| GENUINE PARTS CO | COM | 372460105 |  | 207636 | 1498 | SH |  | SOLE |  | 0 | 0 | 1498 |
| HARTFORD INSURANCE GROUP INC | COM | 416515104 |  | 332467 | 2492 | SH |  | SOLE |  | 0 | 0 | 2492 |
| HCA HEALTHCARE INC | COM | 40412C101 |  | 410541 | 963 | SH |  | SOLE |  | 0 | 0 | 963 |
| HOME DEPOT INC | COM | 437076102 |  | 1734112 | 4280 | SH |  | SOLE |  | 0 | 0 | 4280 |
| HONEYWELL INTL INC | COM | 438516106 |  | 328656 | 1561 | SH |  | SOLE |  | 0 | 0 | 1561 |
| INTEL CORP | COM | 458140100 |  | 272910 | 8134 | SH |  | SOLE |  | 0 | 0 | 8134 |
| INTERCONTINENTAL EXCHANGE IN | COM | 45866F104 |  | 277828 | 1649 | SH |  | SOLE |  | 0 | 0 | 1649 |
| INVESCO EXCH TRADED FD TR II | RAFI DVLPD MRKTS | 46138E743 |  | 4010044 | 65550 | SH |  | SOLE |  | 0 | 0 | 65550 |
| INVESCO EXCHANGE TRADED FD T | S PUR GWT | 46137V266 |  | 239584 | 5021 | SH |  | SOLE |  | 0 | 0 | 5021 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1500 | 46137V597 |  | 6615420 | 145650 | SH |  | SOLE |  | 0 | 0 | 145650 |
| INVESCO EXCHANGE TRADED FD T | LARGE CAP GROWTH | 46137V746 |  | 290754 | 2318 | SH |  | SOLE |  | 0 | 0 | 2318 |
| INVESCO EXCHANGE TRADED FD T | S QUALITY | 46137V241 |  | 3672900 | 50115 | SH |  | SOLE |  | 0 | 0 | 50115 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 |  | 1757869 | 38882 | SH |  | SOLE |  | 0 | 0 | 38882 |
| INVESCO EXCHANGE TRADED FD T | S 500 GARP ETF | 46137V431 |  | 346404 | 3049 | SH |  | SOLE |  | 0 | 0 | 3049 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 746514 | 1243 | SH |  | SOLE |  | 0 | 0 | 1243 |
| INVESTMENT MANAGERS SER TR I | FPA GBL EQTY ETF | 30254T577 |  | 33590907 | 937225 | SH |  | SOLE |  | 0 | 0 | 937225 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 212030 | 3262 | SH |  | SOLE |  | 0 | 0 | 3262 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 818056 | 12410 | SH |  | SOLE |  | 0 | 0 | 12410 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 1875573 | 22712 | SH |  | SOLE |  | 0 | 0 | 22712 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 604719 | 6926 | SH |  | SOLE |  | 0 | 0 | 6926 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 33213139 | 1436554 | SH |  | SOLE |  | 0 | 0 | 1436554 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 505000 | 9951 | SH |  | SOLE |  | 0 | 0 | 9951 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 1299961 | 16215 | SH |  | SOLE |  | 0 | 0 | 16215 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 6569655 | 47524 | SH |  | SOLE |  | 0 | 0 | 47524 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 409208 | 1495 | SH |  | SOLE |  | 0 | 0 | 1495 |
| ISHARES TR | MORNINGSTAR VALU | 464288109 |  | 1116248 | 12400 | SH |  | SOLE |  | 0 | 0 | 12400 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 428885 | 8088 | SH |  | SOLE |  | 0 | 0 | 8088 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 224218 | 3436 | SH |  | SOLE |  | 0 | 0 | 3436 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 24754975 | 208323 | SH |  | SOLE |  | 0 | 0 | 208323 |
| ISHARES TR | CORE S ETF | 464287200 |  | 16568947 | 24756 | SH |  | SOLE |  | 0 | 0 | 24756 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 1107264 | 9172 | SH |  | SOLE |  | 0 | 0 | 9172 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 833174 | 2280 | SH |  | SOLE |  | 0 | 0 | 2280 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 1367106 | 6715 | SH |  | SOLE |  | 0 | 0 | 6715 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 5181931 | 11063 | SH |  | SOLE |  | 0 | 0 | 11063 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1045401 | 4321 | SH |  | SOLE |  | 0 | 0 | 4321 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 296832 | 1679 | SH |  | SOLE |  | 0 | 0 | 1679 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 2098949 | 5539 | SH |  | SOLE |  | 0 | 0 | 5539 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 213261 | 2134 | SH |  | SOLE |  | 0 | 0 | 2134 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 413555 | 4429 | SH |  | SOLE |  | 0 | 0 | 4429 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 268542 | 1371 | SH |  | SOLE |  | 0 | 0 | 1371 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 286371 | 3452 | SH |  | SOLE |  | 0 | 0 | 3452 |
| ISHARES TR | S 100 ETF | 464287101 |  | 1255160 | 3771 | SH |  | SOLE |  | 0 | 0 | 3771 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 243090 | 1250 | SH |  | SOLE |  | 0 | 0 | 1250 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 15794997 | 311354 | SH |  | SOLE |  | 0 | 0 | 311354 |
| JABIL INC | COM | 466313103 |  | 630010 | 2901 | SH |  | SOLE |  | 0 | 0 | 2901 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 651902 | 3516 | SH |  | SOLE |  | 0 | 0 | 3516 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1880732 | 5962 | SH |  | SOLE |  | 0 | 0 | 5962 |
| KOSMOS ENERGY LTD | COM | 500688106 |  | 25154 | 15153 | SH |  | SOLE |  | 0 | 0 | 15153 |
| LITMAN GREGORY FDS TR | IMGP DBI MANAGED | 53700T827 |  | 308280 | 11288 | SH |  | SOLE |  | 0 | 0 | 11288 |
| LOWES COS INC | COM | 548661107 |  | 1790637 | 7125 | SH |  | SOLE |  | 0 | 0 | 7125 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 619911 | 1090 | SH |  | SOLE |  | 0 | 0 | 1090 |
| MCDONALDS CORP | COM | 580135101 |  | 547805 | 1803 | SH |  | SOLE |  | 0 | 0 | 1803 |
| MERCK  CO INC | COM | 58933Y105 |  | 277939 | 3312 | SH |  | SOLE |  | 0 | 0 | 3312 |
| META PLATFORMS INC | CL A | 30303M102 |  | 617202 | 840 | SH |  | SOLE |  | 0 | 0 | 840 |
| MICROSOFT CORP | COM | 594918104 |  | 4411859 | 8518 | SH |  | SOLE |  | 0 | 0 | 8518 |
| NOUVEAU MONDE GRAPHITE INC | COM NEW | 66979W842 |  | 37753 | 13293 | SH |  | SOLE |  | 0 | 0 | 13293 |
| NOV INC | COM | 62955J103 |  | 385549 | 29098 | SH |  | SOLE |  | 0 | 0 | 29098 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 3164758 | 16962 | SH |  | SOLE |  | 0 | 0 | 16962 |
| ORACLE CORP | COM | 68389X105 |  | 663113 | 2358 | SH |  | SOLE |  | 0 | 0 | 2358 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 504206 | 2476 | SH |  | SOLE |  | 0 | 0 | 2476 |
| PAYCHEX INC | COM | 704326107 |  | 284449 | 2244 | SH |  | SOLE |  | 0 | 0 | 2244 |
| PEPSICO INC | COM | 713448108 |  | 240244 | 1711 | SH |  | SOLE |  | 0 | 0 | 1711 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 266367 | 1642 | SH |  | SOLE |  | 0 | 0 | 1642 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1087115 | 7075 | SH |  | SOLE |  | 0 | 0 | 7075 |
| QUALCOMM INC | COM | 747525103 |  | 388614 | 2336 | SH |  | SOLE |  | 0 | 0 | 2336 |
| ROYAL BK CDA | COM | 780087102 |  | 2637337 | 17902 | SH |  | SOLE |  | 0 | 0 | 17902 |
| ROYAL BK CDA | PUT | 780087952 |  | 40566 | 17400 | PRN | Put | SOLE |  | 0 | 0 | 17400 |
| RTX CORPORATION | COM | 75513E101 |  | 685911 | 4099 | SH |  | SOLE |  | 0 | 0 | 4099 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US S | 808524763 |  | 4025778 | 129197 | SH |  | SOLE |  | 0 | 0 | 129197 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 16081128 | 374328 | SH |  | SOLE |  | 0 | 0 | 374328 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 6401387 | 243399 | SH |  | SOLE |  | 0 | 0 | 243399 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 2391321 | 90787 | SH |  | SOLE |  | 0 | 0 | 90787 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 971320 | 33367 | SH |  | SOLE |  | 0 | 0 | 33367 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 1072473 | 39285 | SH |  | SOLE |  | 0 | 0 | 39285 |
| SELECT SECTOR SPDR TR | INDL | 81369Y704 |  | 348736 | 2261 | SH |  | SOLE |  | 0 | 0 | 2261 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 2829256 | 10038 | SH |  | SOLE |  | 0 | 0 | 10038 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 3160535 | 4744 | SH |  | SOLE |  | 0 | 0 | 4744 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 824948 | 8991 | SH |  | SOLE |  | 0 | 0 | 8991 |
| STRYKER CORPORATION | COM | 863667101 |  | 271190 | 734 | SH |  | SOLE |  | 0 | 0 | 734 |
| T ROWE PRICE ETF INC | PRICE BLUE CHIP | 87283Q107 |  | 335758 | 6869 | SH |  | SOLE |  | 0 | 0 | 6869 |
| TESLA INC | COM | 88160R101 |  | 3352313 | 7538 | SH |  | SOLE |  | 0 | 0 | 7538 |
| THE CIGNA GROUP | COM | 125523100 |  | 244486 | 848 | SH |  | SOLE |  | 0 | 0 | 848 |
| TJX COS INC NEW | COM | 872540109 |  | 587613 | 4065 | SH |  | SOLE |  | 0 | 0 | 4065 |
| TRANSOCEAN LTD | REGISTERED SHS | H8817H100 |  | 33868 | 10855 | SH |  | SOLE |  | 0 | 0 | 10855 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 494582 | 10818 | SH |  | SOLE |  | 0 | 0 | 10818 |
| UNION PAC CORP | COM | 907818108 |  | 210842 | 892 | SH |  | SOLE |  | 0 | 0 | 892 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 578204 | 1674 | SH |  | SOLE |  | 0 | 0 | 1674 |
| VALERO ENERGY CORP | COM | 91913Y100 |  | 241622 | 1419 | SH |  | SOLE |  | 0 | 0 | 1419 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 288955 | 2618 | SH |  | SOLE |  | 0 | 0 | 2618 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 2483046 | 22477 | SH |  | SOLE |  | 0 | 0 | 22477 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 4134771 | 9495 | SH |  | SOLE |  | 0 | 0 | 9495 |
| VANGUARD ADMIRAL FDS INC | 500 VAL IDX FD | 921932703 |  | 884103 | 4432 | SH |  | SOLE |  | 0 | 0 | 4432 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 663997 | 8928 | SH |  | SOLE |  | 0 | 0 | 8928 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 1790386 | 22689 | SH |  | SOLE |  | 0 | 0 | 22689 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 207831 | 4202 | SH |  | SOLE |  | 0 | 0 | 4202 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 40118692 | 65513 | SH |  | SOLE |  | 0 | 0 | 65513 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 247791 | 805 | SH |  | SOLE |  | 0 | 0 | 805 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 318609 | 1825 | SH |  | SOLE |  | 0 | 0 | 1825 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 9095869 | 35771 | SH |  | SOLE |  | 0 | 0 | 35771 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 377144 | 786 | SH |  | SOLE |  | 0 | 0 | 786 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 2039888 | 10938 | SH |  | SOLE |  | 0 | 0 | 10938 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 507688 | 1728 | SH |  | SOLE |  | 0 | 0 | 1728 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 5118805 | 15598 | SH |  | SOLE |  | 0 | 0 | 15598 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 340427 | 1626 | SH |  | SOLE |  | 0 | 0 | 1626 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 2424159 | 44743 | SH |  | SOLE |  | 0 | 0 | 44743 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 579229 | 4203 | SH |  | SOLE |  | 0 | 0 | 4203 |
| VANGUARD MALVERN FDS | CORE-PLUS BD ETF | 922020755 |  | 636902 | 8100 | SH |  | SOLE |  | 0 | 0 | 8100 |
| VANGUARD MALVERN FDS | CORE BD ETF | 922020748 |  | 21700278 | 276754 | SH |  | SOLE |  | 0 | 0 | 276754 |
| VANGUARD MUN BD FDS | SHORT TAX EXEMPT | 922907696 |  | 17206587 | 224336 | SH |  | SOLE |  | 0 | 0 | 224336 |
| VANGUARD MUN BD FDS | CORE TAX EXEMPT | 922907712 |  | 13735996 | 182538 | SH |  | SOLE |  | 0 | 0 | 182538 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 234452 | 3984 | SH |  | SOLE |  | 0 | 0 | 3984 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 381972 | 4779 | SH |  | SOLE |  | 0 | 0 | 4779 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 1018865 | 8455 | SH |  | SOLE |  | 0 | 0 | 8455 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 1295936 | 14501 | SH |  | SOLE |  | 0 | 0 | 14501 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 6984220 | 32366 | SH |  | SOLE |  | 0 | 0 | 32366 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 595858 | 8111 | SH |  | SOLE |  | 0 | 0 | 8111 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 5245212 | 87537 | SH |  | SOLE |  | 0 | 0 | 87537 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 597101 | 4236 | SH |  | SOLE |  | 0 | 0 | 4236 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 4539609 | 50682 | SH |  | SOLE |  | 0 | 0 | 50682 |
| VERISK ANALYTICS INC | COM | 92345Y106 |  | 562120 | 2235 | SH |  | SOLE |  | 0 | 0 | 2235 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 370638 | 8433 | SH |  | SOLE |  | 0 | 0 | 8433 |
| VISA INC | COM CL A | 92826C839 |  | 775562 | 2272 | SH |  | SOLE |  | 0 | 0 | 2272 |
| VORNADO RLTY TR | SH BEN INT | 929042109 |  | 226238 | 5582 | SH |  | SOLE |  | 0 | 0 | 5582 |
| WALMART INC | COM | 931142103 |  | 668615 | 6488 | SH |  | SOLE |  | 0 | 0 | 6488 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 620956 | 7408 | SH |  | SOLE |  | 0 | 0 | 7408 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 1822322 | 20485 | SH |  | SOLE |  | 0 | 0 | 20485 |

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