# EDGAR Filing Document

**Accession Number:** 0001844278
**File Stem:** 0001844278-26-000003
**Filing Date:** 2026-5
**Character Count:** 17057
**Document Hash:** 6be784a4e282d3a52116f8270dc10c8d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001844278-26-000003.hdr.sgml**: 20260506

**ACCESSION NUMBER**: 0001844278-26-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260506

**DATE AS OF CHANGE**: 20260506

**EFFECTIVENESS DATE**: 20260506

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sterling Financial Planning, Inc.
- **CENTRAL INDEX KEY:** 0001844278

**ORGANIZATION NAME:**
- **EIN:** 223201890
- **STATE OF INCORPORATION:** NJ
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20642
- **FILM NUMBER:** 26949404

**BUSINESS ADDRESS:**
- **STREET 1:** 60 BLUE HERON ROAD, SUITE 201
- **CITY:** SPARTA
- **STATE:** NJ
- **ZIP:** 07871
- **BUSINESS PHONE:** (973) 729-1234

**MAIL ADDRESS:**
- **STREET 1:** 60 BLUE HERON ROAD, SUITE 201
- **CITY:** SPARTA
- **STATE:** NJ
- **ZIP:** 07871

### 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:** Sterling Financial Planning Inc.<br>**Address:** 60 BLUE HERON ROAD SUITE 201<br>SPARTA, NJ 07871

**Form 13F File Number:** 028-20642

**CRD Number (if applicable):** 000108664

**SEC File Number (if applicable):** 801-56025

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:** Nicholas Nicolette<br>**Title:** President and CCO<br>**Phone:** 973-729-1234

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

/s/Nicholas Nicolette  Sparta, NJ  05-06-2026<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:** 117

**Form 13F Information Table Value Total:** $337262733

      (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 |
| 3M CO | COM | 88579Y101 | BBG001S5T7X2 | 634415 | 4368 | SH |  | SOLE |  | 0 | 0 | 4368 |
| ABBOTT LABORATORIES | COM | 002824100 | BBG001S5N9M6 | 449079 | 4374 | SH |  | SOLE |  | 0 | 0 | 4374 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 280345 | 1289 | SH |  | SOLE |  | 0 | 0 | 1289 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 764047 | 2657 | SH |  | SOLE |  | 0 | 0 | 2657 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 495175 | 1726 | SH |  | SOLE |  | 0 | 0 | 1726 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 558788 | 2683 | SH |  | SOLE |  | 0 | 0 | 2683 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 3978085 | 15675 | SH |  | SOLE |  | 0 | 0 | 15675 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 1093534 | 2282 | SH |  | SOLE |  | 0 | 0 | 2282 |
| BLACKROCK ENHANCED EQUITY DI | COM | 09251A104 | BBG001SK5462 | 119223 | 13831 | SH |  | SOLE |  | 0 | 0 | 13831 |
| CALAMOS ETF TR | S 500 STRUCT | 12811T787 | BBG01RFVV0J9 | 624822 | 24970 | SH |  | SOLE |  | 0 | 0 | 24970 |
| CALAMOS ETF TR | S 500 STRUCTUR | 12811T803 | BBG01NKVYTS6 | 253873 | 9447 | SH |  | SOLE |  | 0 | 0 | 9447 |
| CALAMOS ETF TR | S 500 STRUCTUR | 12811T886 | BBG01PK0R554 | 216286 | 8018 | SH |  | SOLE |  | 0 | 0 | 8018 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 | BBG00RP5HZM1 | 283070 | 5027 | SH |  | SOLE |  | 0 | 0 | 5027 |
| CATERPILLAR INC | COM | 149123101 | BBG001S5PJ06 | 248669 | 351 | SH |  | SOLE |  | 0 | 0 | 351 |
| CHEVRON CORPORATION | COM | 166764100 | BBG001S67ZC5 | 411971 | 1991 | SH |  | SOLE |  | 0 | 0 | 1991 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 209881 | 2705 | SH |  | SOLE |  | 0 | 0 | 2705 |
| COHEN  STEERS ETF TRUST | REAL ESTATE ACTI | 19249U104 | BBG01RXVZ8N3 | 418746 | 15934 | SH |  | SOLE |  | 0 | 0 | 15934 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 | BBG001S9KRQ7 | 639130 | 641 | SH |  | SOLE |  | 0 | 0 | 641 |
| DEERE  CO | COM | 244199105 | BBG001S5QFF7 | 485565 | 862 | SH |  | SOLE |  | 0 | 0 | 862 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 | BBG017158GJ6 | 6332341 | 176980 | SH |  | SOLE |  | 0 | 0 | 176980 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 | BBG01BN60P09 | 6253165 | 235258 | SH |  | SOLE |  | 2211 | 0 | 233047 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 | BBG01254K0G0 | 7123621 | 170748 | SH |  | SOLE |  | 0 | 0 | 170748 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 | BBG012G21Y06 | 16262995 | 308128 | SH |  | SOLE |  | 586 | 0 | 307542 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 | BBG01633DW64 | 363229 | 10788 | SH |  | SOLE |  | 0 | 0 | 10788 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 | BBG01633Y2Y6 | 11688775 | 296369 | SH |  | SOLE |  | 1819 | 0 | 294549 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 | BBG011DXXNJ2 | 738943 | 10421 | SH |  | SOLE |  | 0 | 0 | 10421 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 | BBG01BN5Z188 | 1013271 | 28375 | SH |  | SOLE |  | 0 | 0 | 28375 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 | BBG015GTL6R0 | 1186952 | 50188 | SH |  | SOLE |  | 0 | 0 | 50188 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 | BBG015DG3GG1 | 10157276 | 289877 | SH |  | SOLE |  | 191 | 0 | 289685 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 714918 | 777 | SH |  | SOLE |  | 0 | 0 | 777 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 | BBG001S9P0Z1 | 287280 | 7592 | SH |  | SOLE |  | 0 | 0 | 7592 |
| EVERSOURCE ENERGY | COM | 30040W108 | BBG001S5TRL1 | 239155 | 3452 | SH |  | SOLE |  | 0 | 0 | 3452 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 2200446 | 12970 | SH |  | SOLE |  | 0 | 0 | 12970 |
| GE AEROSPACE | COM NEW | 369604301 | BBG001S5PVD5 | 262512 | 925 | SH |  | SOLE |  | 0 | 0 | 925 |
| GENERAL DYNAMICS CORP | COM | 369550108 | BBG001S5RHP1 | 385608 | 1124 | SH |  | SOLE |  | 0 | 0 | 1124 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 282699 | 860 | SH |  | SOLE |  | 0 | 0 | 860 |
| INNOVATOR ETFS TRUST | US EQT ACC 9 BFR | 45783Y780 | BBG01462XRD9 | 8913155 | 284947 | SH |  | SOLE |  | 1988 | 0 | 282959 |
| INNOVATOR ETFS TRUST | US EQT ULTRA BF | 45782C672 | BBG00PVP3G50 | 304327 | 7735 | SH |  | SOLE |  | 0 | 0 | 7735 |
| INNOVATOR ETFS TRUST | US EQT ULTRA BFR | 45782C425 | BBG00RHZ8N23 | 205204 | 5653 | SH |  | SOLE |  | 0 | 0 | 5653 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C508 | BBG00MYXKL20 | 690195 | 14962 | SH |  | SOLE |  | 0 | 0 | 14962 |
| INNOVATOR ETFS TRUST | US EQUITY ACCELE | 45783Y301 | BBG00ZNB6LJ9 | 302659 | 7732 | SH |  | SOLE |  | 0 | 0 | 7732 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 403978 | 1667 | SH |  | SOLE |  | 0 | 0 | 1667 |
| INVESCO EXCH TRADED FD TR II | S INTL QULTY | 46138E214 | BBG001SS78M6 | 280540 | 7932 | SH |  | SOLE |  | 0 | 0 | 7932 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 | BBG001S6H5N8 | 1448647 | 30479 | SH |  | SOLE |  | 0 | 0 | 30479 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1500 | 46137V597 | BBG001SPSDJ2 | 556055 | 12122 | SH |  | SOLE |  | 0 | 0 | 12122 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 | BBG00KJR2NN7 | 588422 | 3066 | SH |  | SOLE |  | 0 | 0 | 3066 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 4022250 | 6969 | SH |  | SOLE |  | 0 | 0 | 6969 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 | BBG001SJK6D5 | 20743090 | 235289 | SH |  | SOLE |  | 683 | 0 | 234606 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 4657352 | 68967 | SH |  | SOLE |  | 0 | 0 | 68967 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 1383109 | 11126 | SH |  | SOLE |  | 0 | 0 | 11126 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 8100542 | 12401 | SH |  | SOLE |  | 18 | 0 | 12383 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 | BBG001SP62C7 | 4532100 | 40694 | SH |  | SOLE |  | 0 | 0 | 40694 |
| ISHARES TR | EAFE SML CP ETF | 464288273 | BBG001SYVWS7 | 1298394 | 16559 | SH |  | SOLE |  | 0 | 0 | 16559 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 | BBG001S7Y5C9 | 3209385 | 75408 | SH |  | SOLE |  | 559 | 0 | 74850 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 | BBG001SQS9Y2 | 358103 | 3812 | SH |  | SOLE |  | 0 | 0 | 3812 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 303589 | 1583 | SH |  | SOLE |  | 0 | 0 | 1583 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 1735468 | 16349 | SH |  | SOLE |  | 0 | 0 | 16349 |
| ISHARES TR | RUS 1000 ETF | 464287622 | BBG001S562W9 | 210014 | 589 | SH |  | SOLE |  | 0 | 0 | 589 |
| ISHARES TR | S 500 GRWT ETF | 464287309 | BBG001S561Q8 | 16820109 | 148706 | SH |  | SOLE |  | 117 | 0 | 148589 |
| ISHARES TR | S 500 VAL ETF | 464287408 | BBG001S561K4 | 4826471 | 22858 | SH |  | SOLE |  | 221 | 0 | 22637 |
| ISHARES TR | S MC 400GR ETF | 464287606 | BBG001SFQL08 | 18661737 | 185467 | SH |  | SOLE |  | 0 | 0 | 185467 |
| ISHARES TR | S MC 400VL ETF | 464287705 | BBG001SFQJM9 | 20389823 | 153885 | SH |  | SOLE |  | 218 | 0 | 153667 |
| ISHARES TR | S SML 600 GWT | 464287887 | BBG001SFQL44 | 18791421 | 129856 | SH |  | SOLE |  | 0 | 0 | 129856 |
| ISHARES TR | SELECT DIVID ETF | 464287168 | BBG001SDJVG2 | 290963 | 1922 | SH |  | SOLE |  | 0 | 0 | 1922 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 | BBG001SFQL26 | 9085918 | 76707 | SH |  | SOLE |  | 0 | 0 | 76707 |
| ISHARES TR | TIPS BD ETF | 464287176 | BBG001SD9RM5 | 1575459 | 14276 | SH |  | SOLE |  | 0 | 0 | 14276 |
| ISHARES TR | US TREAS BD ETF | 46429B267 | BBG002NCKPP8 | 4403543 | 192211 | SH |  | SOLE |  | 0 | 0 | 192211 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 2376935 | 9724 | SH |  | SOLE |  | 0 | 0 | 9724 |
| JPMORGAN CHASE  CO | COM | 46625H100 | BBG001S8CRC3 | 584202 | 1986 | SH |  | SOLE |  | 0 | 0 | 1986 |
| LAM RESEARCH CORP | COM NEW | 512807306 | BBG001S5SW40 | 306602 | 1435 | SH |  | SOLE |  | 0 | 0 | 1435 |
| LOWES COS INC | COM | 548661107 | BBG001S5SVL3 | 275030 | 1164 | SH |  | SOLE |  | 0 | 0 | 1164 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 278141 | 895 | SH |  | SOLE |  | 0 | 0 | 895 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 362554 | 3014 | SH |  | SOLE |  | 0 | 0 | 3014 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 598680 | 1046 | SH |  | SOLE |  | 0 | 0 | 1046 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 1212124 | 3275 | SH |  | SOLE |  | 0 | 0 | 3275 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 331969 | 1903 | SH |  | SOLE |  | 0 | 0 | 1903 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 493194 | 3176 | SH |  | SOLE |  | 0 | 0 | 3176 |
| PROCTER  GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 405876 | 2810 | SH |  | SOLE |  | 0 | 0 | 2810 |
| PROVIDENT FINL SVCS INC | COM | 74386T105 | BBG001SKM445 | 458939 | 21689 | SH |  | SOLE |  | 0 | 0 | 21689 |
| PUBLIC SVC ENTERPRISE GROUP | COM | 744573106 | BBG001S5V3C1 | 269618 | 3331 | SH |  | SOLE |  | 0 | 0 | 3331 |
| REALTY INCOME CORP | COM | 756109104 | BBG001S884K0 | 784596 | 12824 | SH |  | SOLE |  | 0 | 0 | 12824 |
| RTX CORPORATION | COM | 75513E101 | BBG001S5X5Q9 | 1011182 | 5242 | SH |  | SOLE |  | 0 | 0 | 5242 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | BBG001T6L7D9 | 494914 | 15020 | SH |  | SOLE |  | 1338 | 0 | 13682 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524748 | BBG0051QD594 | 2463404 | 53136 | SH |  | SOLE |  | 0 | 0 | 53136 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 | BBG0051J0PJ9 | 11815383 | 424251 | SH |  | SOLE |  | 0 | 0 | 424251 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | BBG001T5XQT9 | 244137 | 9727 | SH |  | SOLE |  | 0 | 0 | 9727 |
| SELECTIVE INS GROUP INC | COM | 816300107 | BBG001S5W2R6 | 818886 | 10862 | SH |  | SOLE |  | 0 | 0 | 10862 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 4587461 | 10661 | SH |  | SOLE |  | 0 | 0 | 10661 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A821 | BBG001SPTBN0 | 252902 | 2635 | SH |  | SOLE |  | 0 | 0 | 2635 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A839 | BBG001SPTBM1 | 552979 | 6494 | SH |  | SOLE |  | 0 | 0 | 6494 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 | BBG001S72SM3 | 1688460 | 2596 | SH |  | SOLE |  | 0 | 0 | 2596 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 258366 | 695 | SH |  | SOLE |  | 0 | 0 | 695 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 | BBG001ST39R1 | 11065834 | 143377 | SH |  | SOLE |  | 274 | 0 | 143103 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | BBG001ST39Q2 | 4597140 | 58630 | SH |  | SOLE |  | 0 | 0 | 58630 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | BBG001SK7DK4 | 212304 | 2883 | SH |  | SOLE |  | 0 | 0 | 2883 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 | BBG004N1LGK2 | 2855104 | 59419 | SH |  | SOLE |  | 0 | 0 | 59419 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 776288 | 1777 | SH |  | SOLE |  | 0 | 0 | 1777 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | BBG001SRN7S6 | 2908626 | 11302 | SH |  | SOLE |  | 0 | 0 | 11302 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 | BBG001SRN7W1 | 4015567 | 21791 | SH |  | SOLE |  | 0 | 0 | 21791 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 549090 | 1912 | SH |  | SOLE |  | 0 | 0 | 1912 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 | BBG001SMD2X3 | 2830958 | 31916 | SH |  | SOLE |  | 0 | 0 | 31916 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 201079 | 337 | SH |  | SOLE |  | 0 | 0 | 337 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 2262039 | 10412 | SH |  | SOLE |  | 0 | 0 | 10412 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | BBG001SHTTW9 | 2568743 | 8499 | SH |  | SOLE |  | 0 | 0 | 8499 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 279811 | 872 | SH |  | SOLE |  | 0 | 0 | 872 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 343272 | 6351 | SH |  | SOLE |  | 0 | 0 | 6351 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 | BBG003H12XS7 | 2800815 | 56072 | SH |  | SOLE |  | 0 | 0 | 56072 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 3863437 | 77439 | SH |  | SOLE |  | 0 | 0 | 77439 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | BBG001T62KZ7 | 4407464 | 55601 | SH |  | SOLE |  | 0 | 0 | 55601 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 | BBG001TCH581 | 261451 | 2789 | SH |  | SOLE |  | 0 | 0 | 2789 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 620721 | 2886 | SH |  | SOLE |  | 0 | 0 | 2886 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 1848306 | 28844 | SH |  | SOLE |  | 0 | 0 | 28844 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 | BBG01FQJQMT7 | 3335198 | 32976 | SH |  | SOLE |  | 0 | 0 | 32976 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 12058200 | 81419 | SH |  | SOLE |  | 164 | 0 | 81256 |
| VANGUARD WORLD FD | ENERGY ETF | 92204A306 | BBG001SHTV45 | 225644 | 1304 | SH |  | SOLE |  | 0 | 0 | 1304 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 318249 | 6340 | SH |  | SOLE |  | 0 | 0 | 6340 |
| WISDOMTREE TR | EMG MKTS SMCAP | 97717W281 | BBG001SRPT24 | 2380947 | 39616 | SH |  | SOLE |  | 0 | 0 | 39616 |

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