# EDGAR Filing Document

**Accession Number:** 0001259671
**File Stem:** 0001259671-25-000010
**Filing Date:** 2025-10
**Character Count:** 38898
**Document Hash:** 1251006899bac6f0d6c9ebaa993974ad
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001259671-25-000010.hdr.sgml**: 20251030

**ACCESSION NUMBER**: 0001259671-25-000010

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251030

**DATE AS OF CHANGE**: 20251030

**EFFECTIVENESS DATE**: 20251030

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WBH ADVISORY INC
- **CENTRAL INDEX KEY:** 0001259671

**ORGANIZATION NAME:**
- **EIN:** 521420975
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-10516
- **FILM NUMBER:** 251435150

**BUSINESS ADDRESS:**
- **STREET 1:** 1829 REISTERSTOWN ROAD,
- **STREET 2:** SUITE 225
- **CITY:** BALTIMORE
- **STATE:** MD
- **ZIP:** 21208
- **BUSINESS PHONE:** 410-653-7979

**MAIL ADDRESS:**
- **STREET 1:** 1829 REISTERSTOWN ROAD,
- **STREET 2:** SUITE 225
- **CITY:** BALTIMORE
- **STATE:** MD
- **ZIP:** 21208

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** WAGNER BOWMAN MANAGEMENT CORP
- **DATE OF NAME CHANGE:** 20140721

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** WAGNER CAPITAL MANAGEMENT CORP
- **DATE OF NAME CHANGE:** 20030813

### 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:** WBH ADVISORY INC<br>**Address:** 1829 REISTERSTOWN ROAD<br>SUITE 225<br>BALTIMORE, MD 21208

**Form 13F File Number:** 028-10516

**CRD Number (if applicable):** 000105289

**SEC File Number (if applicable):** 801-27973

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:** Marc Hertzberg<br>**Title:** Chief Compliance Officer<br>**Phone:** 410-653-5478

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

Marc Hertzberg  Baltimore, MD  10-30-2025<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:** 343

**Form 13F Information Table Value Total:** $1309700704

      (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 |  | 321601 | 2072 | SH |  | SOLE |  | 0 | 0 | 2072 |
| ABBOTT LABS | COM | 002824100 |  | 787651 | 5881 | SH |  | SOLE |  | 1107 | 0 | 4774 |
| ABBVIE INC | COM | 00287Y109 |  | 1401852 | 6054 | SH |  | SOLE |  | 1728 | 0 | 4326 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 333455 | 1352 | SH |  | SOLE |  | 683 | 0 | 669 |
| ADOBE INC | COM | 00724F101 |  | 247278 | 701 | SH |  | SOLE |  | 190 | 0 | 511 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 225535 | 1394 | SH |  | SOLE |  | 114 | 0 | 1280 |
| AFLAC INC | COM | 001055102 |  | 490028 | 4387 | SH |  | SOLE |  | 2053 | 0 | 2334 |
| AIR PRODS  CHEMS INC | COM | 009158106 |  | 420394 | 1541 | SH |  | SOLE |  | 0 | 0 | 1541 |
| ALLIANT ENERGY CORP | COM | 018802108 |  | 226075 | 3354 | SH |  | SOLE |  | 2054 | 0 | 1300 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 3232144 | 13271 | SH |  | SOLE |  | 5566 | 0 | 7705 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 5724539 | 23548 | SH |  | SOLE |  | 6338 | 0 | 17210 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 482701 | 7307 | SH |  | SOLE |  | 600 | 0 | 6707 |
| AMAZON COM INC | COM | 023135106 |  | 3643984 | 16596 | SH |  | SOLE |  | 3607 | 0 | 12989 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 407700 | 3624 | SH |  | SOLE |  | 149 | 0 | 3475 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 1104149 | 3324 | SH |  | SOLE |  | 876 | 0 | 2448 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 |  | 840712 | 4371 | SH |  | SOLE |  | 57 | 0 | 4314 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 242213 | 493 | SH |  | SOLE |  | 3 | 0 | 490 |
| AMGEN INC | COM | 031162100 |  | 485948 | 1722 | SH |  | SOLE |  | 256 | 0 | 1466 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 918225 | 7420 | SH |  | SOLE |  | 0 | 0 | 7420 |
| ANALOG DEVICES INC | COM | 032654105 |  | 299508 | 1219 | SH |  | SOLE |  | 251 | 0 | 968 |
| APPLE INC | COM | 037833100 |  | 18297123 | 71858 | SH |  | SOLE |  | 18727 | 0 | 53130 |
| ASSURANT INC | COM | 04621X108 |  | 216600 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| AT INC | COM | 00206R102 |  | 576657 | 20420 | SH |  | SOLE |  | 3250 | 0 | 17170 |
| AURORA INNOVATION INC | CLASS A COM | 051774107 |  | 153933 | 28559 | SH |  | SOLE |  | 0 | 0 | 28559 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 1120051 | 3816 | SH |  | SOLE |  | 7 | 0 | 3809 |
| BANK AMERICA CORP | COM | 060505104 |  | 1703351 | 33017 | SH |  | SOLE |  | 20367 | 0 | 12650 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 290675 | 1553 | SH |  | SOLE |  | 93 | 0 | 1460 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 754200 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 9275553 | 18450 | SH |  | SOLE |  | 10647 | 0 | 7803 |
| BLACKROCK ETF TRUST | US CARBON TRANS | 09290C509 |  | 648491 | 8935 | SH |  | SOLE |  | 0 | 0 | 8935 |
| BLACKROCK ETF TRUST | DYNAMIC EQTY ACT | 09290C723 |  | 26284612 | 1038507 | SH |  | SOLE |  | 357645 | 0 | 680862 |
| BLACKROCK ETF TRUST | DISCIPLINED VOLA | 09290C715 |  | 19525975 | 781039 | SH |  | SOLE |  | 278518 | 0 | 502521 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 4209474 | 79066 | SH |  | SOLE |  | 32896 | 0 | 46170 |
| BLACKROCK INC | COM | 09290D101 |  | 1205641 | 1034 | SH |  | SOLE |  | 308 | 0 | 726 |
| BLACKSTONE INC | COM | 09260D107 |  | 598032 | 3500 | SH |  | SOLE |  | 2785 | 0 | 716 |
| BLEND LABS INC | CL A | 09352U108 |  | 37847 | 10369 | SH |  | SOLE |  | 0 | 0 | 10369 |
| BOEING CO | COM | 097023105 |  | 406840 | 1885 | SH |  | SOLE |  | 125 | 0 | 1760 |
| BOSTON SCIENTIFIC CORP | COM | 101137107 |  | 217227 | 2225 | SH |  | SOLE |  | 400 | 0 | 1825 |
| BROADCOM INC | COM | 11135F101 |  | 707924 | 2146 | SH |  | SOLE |  | 370 | 0 | 1776 |
| CAPITAL GRP FIXED INCM ETF T | CORE PLUS INCM | 14020Y102 |  | 10918303 | 480559 | SH |  | SOLE |  | 35182 | 0 | 445377 |
| CARLISLE COS INC | COM | 142339100 |  | 376988 | 1146 | SH |  | SOLE |  | 38 | 0 | 1108 |
| CATERPILLAR INC | COM | 149123101 |  | 2376713 | 4981 | SH |  | SOLE |  | 887 | 0 | 4094 |
| CHEVRON CORP NEW | COM | 166764100 |  | 1134294 | 7304 | SH |  | SOLE |  | 420 | 0 | 6884 |
| CHUBB LIMITED | COM | H1467J104 |  | 1046602 | 3708 | SH |  | SOLE |  | 143 | 0 | 3565 |
| CHURCHILL DOWNS INC | COM | 171484108 |  | 591761 | 6100 | SH |  | SOLE |  | 0 | 0 | 6100 |
| CINTAS CORP | COM | 172908105 |  | 968577 | 4719 | SH |  | SOLE |  | 0 | 0 | 4719 |
| CISCO SYS INC | COM | 17275R102 |  | 2511354 | 36705 | SH |  | SOLE |  | 18918 | 0 | 17787 |
| COCA COLA CO | COM | 191216100 |  | 1183354 | 17843 | SH |  | SOLE |  | 1749 | 0 | 16094 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 664701 | 8315 | SH |  | SOLE |  | 1156 | 0 | 7159 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 435514 | 13861 | SH |  | SOLE |  | 1500 | 0 | 12361 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 220685 | 2333 | SH |  | SOLE |  | 200 | 0 | 2133 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 853608 | 2594 | SH |  | SOLE |  | 0 | 0 | 2594 |
| CORNING INC | COM | 219350105 |  | 620052 | 7559 | SH |  | SOLE |  | 0 | 0 | 7559 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 4613602 | 4984 | SH |  | SOLE |  | 282 | 0 | 4702 |
| COUPANG INC | CL A | 22266T109 |  | 207207 | 6435 | SH |  | SOLE |  | 0 | 0 | 6435 |
| CROWN CASTLE INC | COM | 22822V101 |  | 328066 | 3400 | SH |  | SOLE |  | 0 | 0 | 3400 |
| CSX CORP | COM | 126408103 |  | 1337966 | 37679 | SH |  | SOLE |  | 4600 | 0 | 33079 |
| CUMMINS INC | COM | 231021106 |  | 2475340 | 5861 | SH |  | SOLE |  | 420 | 0 | 5441 |
| CVS HEALTH CORP | COM | 126650100 |  | 359721 | 4771 | SH |  | SOLE |  | 1125 | 0 | 3646 |
| DANAHER CORPORATION | COM | 235851102 |  | 319041 | 1609 | SH |  | SOLE |  | 0 | 0 | 1609 |
| DEERE  CO | COM | 244199105 |  | 1313708 | 2873 | SH |  | SOLE |  | 50 | 0 | 2823 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 635016 | 16464 | SH |  | SOLE |  | 0 | 0 | 16464 |
| DISNEY WALT CO | COM | 254687106 |  | 1944845 | 16986 | SH |  | SOLE |  | 0 | 0 | 16986 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 524763 | 4241 | SH |  | SOLE |  | 16 | 0 | 4225 |
| EASTMAN CHEM CO | COM | 277432100 |  | 215539 | 3419 | SH |  | SOLE |  | 0 | 0 | 3419 |
| EATON CORP PLC | SHS | G29183103 |  | 602543 | 1610 | SH |  | SOLE |  | 430 | 0 | 1180 |
| ECOLAB INC | COM | 278865100 |  | 277146 | 1012 | SH |  | SOLE |  | 0 | 0 | 1012 |
| ELI LILLY  CO | COM | 532457108 |  | 5603653 | 7344 | SH |  | SOLE |  | 1945 | 0 | 5399 |
| EMERSON ELEC CO | COM | 291011104 |  | 614054 | 4681 | SH |  | SOLE |  | 511 | 0 | 4170 |
| EXELON CORP | COM | 30161N101 |  | 318446 | 7075 | SH |  | SOLE |  | 0 | 0 | 7075 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 840079 | 7451 | SH |  | SOLE |  | 633 | 0 | 6818 |
| FASTENAL CO | COM | 311900104 |  | 400646 | 8170 | SH |  | SOLE |  | 3450 | 0 | 4720 |
| FERRARI N V | COM | N3167Y103 |  | 485220 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| FIDELITY COVINGTON TRUST | ENHANCED LARGE | 31609A107 |  | 625407 | 18652 | SH |  | SOLE |  | 18652 | 0 | 0 |
| FIDELITY COVINGTON TRUST | MSCI UTILS INDEX | 316092865 |  | 388964 | 6888 | SH |  | SOLE |  | 6382 | 0 | 506 |
| FIDELITY COVINGTON TRUST | MSCI INFO TECH I | 316092808 |  | 370135 | 1666 | SH |  | SOLE |  | 557 | 0 | 1109 |
| FIDELITY COVINGTON TRUST | MSCI FINLS IDX | 316092501 |  | 516058 | 6760 | SH |  | SOLE |  | 1794 | 0 | 4966 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 28381737 | 613792 | SH |  | SOLE |  | 57364 | 0 | 556427 |
| FIDELITY NATL INFORMATION SV | COM | 31620M106 |  | 237635 | 3604 | SH |  | SOLE |  | 0 | 0 | 3604 |
| FIDELITY WISE ORIGIN BITCOIN | SHS | 315948109 |  | 296735 | 2973 | SH |  | SOLE |  | 2873 | 0 | 100 |
| FISERV INC | COM | 337738108 |  | 324904 | 2520 | SH |  | SOLE |  | 7 | 0 | 2513 |
| GALLAGHER ARTHUR J  CO | COM | 363576109 |  | 980637 | 3166 | SH |  | SOLE |  | 0 | 0 | 3166 |
| GE AEROSPACE | COM NEW | 369604301 |  | 506016 | 1682 | SH |  | SOLE |  | 388 | 0 | 1294 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 407495 | 1195 | SH |  | SOLE |  | 89 | 0 | 1106 |
| GLOBAL X FDS | GLBL X MLP ETF | 37954Y343 |  | 303448 | 6267 | SH |  | SOLE |  | 957 | 0 | 5310 |
| GLOBAL X FDS | MSCI CHINA CNSMR | 37950E408 |  | 210730 | 8711 | SH |  | SOLE |  | 4411 | 0 | 4300 |
| GLOBAL X FDS | US INFR DEV ETF | 37954Y673 |  | 1524905 | 32016 | SH |  | SOLE |  | 10310 | 0 | 21706 |
| GLOBAL X FDS | US PFD ETF | 37954Y657 |  | 559144 | 28777 | SH |  | SOLE |  | 22587 | 0 | 6190 |
| GOLDMAN SACHS ETF TR | EQUAL WEIGHT US | 381430438 |  | 295962 | 3480 | SH |  | SOLE |  | 2015 | 0 | 1465 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA US LG | 381430503 |  | 1786157 | 13710 | SH |  | SOLE |  | 6932 | 0 | 6778 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 780423 | 980 | SH |  | SOLE |  | 160 | 0 | 820 |
| GRAINGER W W INC | COM | 384802104 |  | 1818829 | 1909 | SH |  | SOLE |  | 1 | 0 | 1908 |
| HASBRO INC | COM | 418056107 |  | 239628 | 3159 | SH |  | SOLE |  | 0 | 0 | 3159 |
| HERSHEY CO | COM | 427866108 |  | 472294 | 2525 | SH |  | SOLE |  | 0 | 0 | 2525 |
| HEWLETT PACKARD ENTERPRISE C | COM | 42824C109 |  | 202620 | 8250 | SH |  | SOLE |  | 0 | 0 | 8250 |
| HOME DEPOT INC | COM | 437076102 |  | 2277857 | 5622 | SH |  | SOLE |  | 1126 | 0 | 4496 |
| HONEYWELL INTL INC | COM | 438516106 |  | 1364272 | 6481 | SH |  | SOLE |  | 765 | 0 | 5716 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 384621 | 1475 | SH |  | SOLE |  | 275 | 0 | 1200 |
| INTEL CORP | COM | 458140100 |  | 247633 | 7381 | SH |  | SOLE |  | 50 | 0 | 7331 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 929054 | 3293 | SH |  | SOLE |  | 242 | 0 | 3051 |
| INTUIT | COM | 461202103 |  | 1113232 | 1630 | SH |  | SOLE |  | 120 | 0 | 1510 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 670845 | 1500 | SH |  | SOLE |  | 0 | 0 | 1500 |
| INVESCO EXCH TRADED FD TR II | EMRNG MKT SVRG | 46138E784 |  | 553230 | 25660 | SH |  | SOLE |  | 11983 | 0 | 13677 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 |  | 404701 | 5508 | SH |  | SOLE |  | 464 | 0 | 5044 |
| INVESCO EXCH TRADED FD TR II | S HDL VOL | 46138E362 |  | 477835 | 9663 | SH |  | SOLE |  | 0 | 0 | 9663 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 719075 | 5940 | SH |  | SOLE |  | 4840 | 0 | 1100 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 8953786 | 36233 | SH |  | SOLE |  | 29675 | 0 | 6557 |
| INVESCO EXCHANGE TRADED FD T | S 500 GARP ETF | 46137V431 |  | 931116 | 8195 | SH |  | SOLE |  | 3394 | 0 | 4801 |
| INVESCO EXCHANGE TRADED FD T | AI AND NEXT GEN | 46137V639 |  | 245891 | 4551 | SH |  | SOLE |  | 4551 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S 500 TOP 50 | 46137V233 |  | 1187174 | 20639 | SH |  | SOLE |  | 12236 | 0 | 8403 |
| INVESCO EXCHANGE TRADED FD T | DIVID ACHIEVEV | 46137V506 |  | 512165 | 10093 | SH |  | SOLE |  | 10093 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | BUYBACK ACHIEV | 46137V308 |  | 401292 | 3029 | SH |  | SOLE |  | 3029 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S QUALITY | 46137V241 |  | 717462 | 9789 | SH |  | SOLE |  | 4017 | 0 | 5772 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 6688894 | 11141 | SH |  | SOLE |  | 4949 | 0 | 6192 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 576629 | 7924 | SH |  | SOLE |  | 0 | 0 | 7924 |
| ISHARES INC | MSCI GBL GOLD MN | 46434G855 |  | 2394696 | 37007 | SH |  | SOLE |  | 12903 | 0 | 24104 |
| ISHARES INC | MSCI WORLD ETF | 464286392 |  | 3433107 | 18909 | SH |  | SOLE |  | 5438 | 0 | 13471 |
| ISHARES INC | MSCI GBL MIN VOL | 464286525 |  | 1094157 | 9124 | SH |  | SOLE |  | 1757 | 0 | 7367 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 7968401 | 120880 | SH |  | SOLE |  | 27178 | 0 | 93702 |
| ISHARES INC | MSCI EURZONE ETF | 464286608 |  | 1101826 | 17789 | SH |  | SOLE |  | 8018 | 0 | 9771 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 209709 | 4830 | SH |  | SOLE |  | 0 | 0 | 4830 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 266692 | 2868 | SH |  | SOLE |  | 0 | 0 | 2868 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 1258150 | 8641 | SH |  | SOLE |  | 335 | 0 | 8306 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 253034 | 10740 | SH |  | SOLE |  | 0 | 0 | 10740 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 293255 | 5117 | SH |  | SOLE |  | 0 | 0 | 5117 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 892983 | 13683 | SH |  | SOLE |  | 8929 | 0 | 4755 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 233885 | 1803 | SH |  | SOLE |  | 36 | 0 | 1767 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 4188121 | 35245 | SH |  | SOLE |  | 8063 | 0 | 27182 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 1923641 | 9315 | SH |  | SOLE |  | 4565 | 0 | 4750 |
| ISHARES TR | CORE S ETF | 464287200 |  | 22013283 | 32890 | SH |  | SOLE |  | 2026 | 0 | 30864 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 3979656 | 32966 | SH |  | SOLE |  | 12676 | 0 | 20290 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 357867 | 979 | SH |  | SOLE |  | 173 | 0 | 806 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 658328 | 3234 | SH |  | SOLE |  | 412 | 0 | 2822 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 503604 | 1075 | SH |  | SOLE |  | 421 | 0 | 654 |
| ISHARES TR | DOW JONES US ETF | 464287846 |  | 243717 | 1500 | SH |  | SOLE |  | 0 | 0 | 1500 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 278755 | 871 | SH |  | SOLE |  | 21 | 0 | 850 |
| ISHARES TR | U.S. FIN SVC ETF | 464287770 |  | 804250 | 8972 | SH |  | SOLE |  | 4943 | 0 | 4029 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 2669149 | 28587 | SH |  | SOLE |  | 7191 | 0 | 21396 |
| ISHARES TR | GBL COMM SVC ETF | 464287275 |  | 507608 | 4107 | SH |  | SOLE |  | 2438 | 0 | 1669 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 4831279 | 24667 | SH |  | SOLE |  | 4748 | 0 | 19919 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 1096847 | 11371 | SH |  | SOLE |  | 5998 | 0 | 5373 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 8997444 | 80716 | SH |  | SOLE |  | 31071 | 0 | 49645 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 4118990 | 41087 | SH |  | SOLE |  | 24531 | 0 | 16556 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 1491427 | 10496 | SH |  | SOLE |  | 6748 | 0 | 3748 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 |  | 472833 | 1744 | SH |  | SOLE |  | 202 | 0 | 1542 |
| ISHARES TR | EXPANDED TECH | 464287515 |  | 828163 | 7201 | SH |  | SOLE |  | 3311 | 0 | 3890 |
| ISHARES TR | S 100 ETF | 464287101 |  | 264275 | 794 | SH |  | SOLE |  | 0 | 0 | 794 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 5351414 | 64803 | SH |  | SOLE |  | 6238 | 0 | 58565 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 17020931 | 194948 | SH |  | SOLE |  | 40677 | 0 | 154271 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 900275 | 9463 | SH |  | SOLE |  | 256 | 0 | 9207 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 |  | 394629 | 4652 | SH |  | SOLE |  | 0 | 0 | 4652 |
| ISHARES TR | GNMA BOND ETF | 46429B333 |  | 695554 | 15683 | SH |  | SOLE |  | 6413 | 0 | 9270 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 4072302 | 59816 | SH |  | SOLE |  | 29958 | 0 | 29858 |
| ISHARES TR | CORE MSCI EURO | 46434V738 |  | 5948357 | 87322 | SH |  | SOLE |  | 28020 | 0 | 59302 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 1431521 | 30647 | SH |  | SOLE |  | 2782 | 0 | 27865 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 3097598 | 12079 | SH |  | SOLE |  | 3833 | 0 | 8246 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 2645209 | 13600 | SH |  | SOLE |  | 2389 | 0 | 11211 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 1340792 | 26246 | SH |  | SOLE |  | 20146 | 0 | 6100 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 387555 | 3165 | SH |  | SOLE |  | 3165 | 0 | 0 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 206720 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 1689625 | 6174 | SH |  | SOLE |  | 3827 | 0 | 2347 |
| ISHARES TR | CORE 60/40 BALAN | 464289867 |  | 1096649 | 17034 | SH |  | SOLE |  | 3534 | 0 | 13500 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 549703 | 5148 | SH |  | SOLE |  | 0 | 0 | 5148 |
| ISHARES TR | USD INV GRDE ETF | 464288620 |  | 1442445 | 27622 | SH |  | SOLE |  | 8358 | 0 | 19264 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 229735 | 4332 | SH |  | SOLE |  | 652 | 0 | 3680 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 1850730 | 17970 | SH |  | SOLE |  | 6753 | 0 | 11217 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 416265 | 3305 | SH |  | SOLE |  | 0 | 0 | 3305 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 15505413 | 106457 | SH |  | SOLE |  | 32860 | 0 | 73597 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 370361 | 3099 | SH |  | SOLE |  | 0 | 0 | 3099 |
| ISHARES TR | MBS ETF | 464288588 |  | 9768437 | 102664 | SH |  | SOLE |  | 40468 | 0 | 62196 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 360788 | 3388 | SH |  | SOLE |  | 74 | 0 | 3314 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 608345 | 9358 | SH |  | SOLE |  | 4224 | 0 | 5134 |
| ISHARES TR | GL CLEAN ENE ETF | 464288224 |  | 318924 | 20602 | SH |  | SOLE |  | 13745 | 0 | 6857 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 |  | 11489722 | 224059 | SH |  | SOLE |  | 11591 | 0 | 212468 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 550729 | 10912 | SH |  | SOLE |  | 0 | 0 | 10912 |
| J P MORGAN EXCHANGE TRADED F | CORE PLUS BD ETF | 46641Q670 |  | 7772970 | 163469 | SH |  | SOLE |  | 6062 | 0 | 157407 |
| J P MORGAN EXCHANGE TRADED F | SMALL  MID CAP | 46641Q118 |  | 1367551 | 21560 | SH |  | SOLE |  | 1141 | 0 | 20419 |
| J P MORGAN EXCHANGE TRADED F | INTRNL RES EQT | 46641Q134 |  | 2096111 | 28503 | SH |  | SOLE |  | 1505 | 0 | 26998 |
| J P MORGAN EXCHANGE TRADED F | ACTIVE GROWTH | 46654Q609 |  | 1687031 | 17995 | SH |  | SOLE |  | 1136 | 0 | 16859 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 345753 | 5496 | SH |  | SOLE |  | 1556 | 0 | 3940 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 1391594 | 29985 | SH |  | SOLE |  | 816 | 0 | 29169 |
| J P MORGAN EXCHANGE TRADED F | ACTIVE VALUE ETF | 46641Q167 |  | 1703081 | 24697 | SH |  | SOLE |  | 1495 | 0 | 23202 |
| J P MORGAN EXCHANGE TRADED F | ACTIVE BOND ETF | 46654Q716 |  | 7299779 | 134782 | SH |  | SOLE |  | 9375 | 0 | 125407 |
| J P MORGAN EXCHANGE TRADED F | GLOBAL SEL EQUIT | 46654Q740 |  | 3038875 | 44841 | SH |  | SOLE |  | 2105 | 0 | 42736 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 4025363 | 21709 | SH |  | SOLE |  | 3301 | 0 | 18409 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 3993855 | 12662 | SH |  | SOLE |  | 1819 | 0 | 10843 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 799058 | 6426 | SH |  | SOLE |  | 660 | 0 | 5766 |
| LEGG MASON ETF INVT | FRANKLIN US LOW | 52468L406 |  | 496948 | 12021 | SH |  | SOLE |  | 0 | 0 | 12021 |
| LINDE PLC | SHS | G54950103 |  | 551521 | 1161 | SH |  | SOLE |  | 161 | 0 | 1000 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 686414 | 1375 | SH |  | SOLE |  | 25 | 0 | 1350 |
| LOWES COS INC | COM | 548661107 |  | 1565035 | 6228 | SH |  | SOLE |  | 1969 | 0 | 4259 |
| M  T BK CORP | COM | 55261F104 |  | 223113 | 1129 | SH |  | SOLE |  | 0 | 0 | 1129 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 270337 | 1038 | SH |  | SOLE |  | 0 | 0 | 1038 |
| MARTIN MARIETTA MATLS INC | COM | 573284106 |  | 698981 | 1109 | SH |  | SOLE |  | 109 | 0 | 1000 |
| MARVELL TECHNOLOGY INC | COM | 573874104 |  | 277363 | 3299 | SH |  | SOLE |  | 0 | 0 | 3299 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1850931 | 3254 | SH |  | SOLE |  | 175 | 0 | 3079 |
| MCCORMICK  CO INC | COM NON VTG | 579780206 |  | 1399726 | 20920 | SH |  | SOLE |  | 5666 | 0 | 15253 |
| MCCORMICK  CO INC | COM VTG | 579780107 |  | 567921 | 8512 | SH |  | SOLE |  | 0 | 0 | 8512 |
| MCDONALDS CORP | COM | 580135101 |  | 4244667 | 13968 | SH |  | SOLE |  | 1061 | 0 | 12907 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 204290 | 2145 | SH |  | SOLE |  | 0 | 0 | 2145 |
| MERCADOLIBRE INC | COM | 58733R102 |  | 1259611 | 539 | SH |  | SOLE |  | 8 | 0 | 531 |
| MERCK  CO INC | COM | 58933Y105 |  | 855236 | 10190 | SH |  | SOLE |  | 1806 | 0 | 8384 |
| META PLATFORMS INC | CL A | 30303M102 |  | 2537545 | 3455 | SH |  | SOLE |  | 865 | 0 | 2590 |
| METLIFE INC | COM | 59156R108 |  | 409039 | 4966 | SH |  | SOLE |  | 21 | 0 | 4945 |
| MICROSOFT CORP | COM | 594918104 |  | 21439373 | 41393 | SH |  | SOLE |  | 8594 | 0 | 32799 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 283587 | 4540 | SH |  | SOLE |  | 640 | 0 | 3900 |
| NETFLIX INC | COM | 64110L106 |  | 232590 | 194 | SH |  | SOLE |  | 91 | 0 | 103 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 909536 | 12048 | SH |  | SOLE |  | 7904 | 0 | 4144 |
| NIKE INC | CL B | 654106103 |  | 1295587 | 18580 | SH |  | SOLE |  | 391 | 0 | 18189 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 1290150 | 4295 | SH |  | SOLE |  | 102 | 0 | 4193 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 1186627 | 1947 | SH |  | SOLE |  | 67 | 0 | 1880 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1729414 | 9269 | SH |  | SOLE |  | 901 | 0 | 8368 |
| NXP SEMICONDUCTORS N V | COM | N6596X109 |  | 281930 | 1238 | SH |  | SOLE |  | 100 | 0 | 1138 |
| OLD DOMINION FREIGHT LINE IN | COM | 679580100 |  | 281560 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| ORACLE CORP | COM | 68389X105 |  | 2777293 | 9875 | SH |  | SOLE |  | 1245 | 0 | 8630 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 1979257 | 10850 | SH |  | SOLE |  | 370 | 0 | 10480 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 234570 | 1152 | SH |  | SOLE |  | 0 | 0 | 1152 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 1166793 | 1539 | SH |  | SOLE |  | 6 | 0 | 1533 |
| PAYCHEX INC | COM | 704326107 |  | 261552 | 2063 | SH |  | SOLE |  | 1363 | 0 | 700 |
| PEPSICO INC | COM | 713448108 |  | 3448199 | 24553 | SH |  | SOLE |  | 1099 | 0 | 23454 |
| PFIZER INC | COM | 717081103 |  | 454714 | 17846 | SH |  | SOLE |  | 1625 | 0 | 16221 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 751310 | 4632 | SH |  | SOLE |  | 120 | 0 | 4512 |
| PHILLIPS 66 | COM | 718546104 |  | 246196 | 1810 | SH |  | SOLE |  | 0 | 0 | 1810 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 729149 | 13947 | SH |  | SOLE |  | 0 | 0 | 13947 |
| PIMCO ETF TR | SHTRM MUN BD ACT | 72201R874 |  | 432475 | 8552 | SH |  | SOLE |  | 0 | 0 | 8552 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 1130943 | 5629 | SH |  | SOLE |  | 0 | 0 | 5629 |
| PRICE T ROWE GROUP INC | COM | 74144T108 |  | 387774 | 3778 | SH |  | SOLE |  | 75 | 0 | 3703 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 5631935 | 36654 | SH |  | SOLE |  | 8135 | 0 | 28519 |
| PRUDENTIAL FINL INC | COM | 744320102 |  | 447293 | 4312 | SH |  | SOLE |  | 0 | 0 | 4312 |
| PUBLIC STORAGE OPER CO | COM | 74460D109 |  | 1244655 | 4309 | SH |  | SOLE |  | 100 | 0 | 4209 |
| QUALCOMM INC | COM | 747525103 |  | 342535 | 2059 | SH |  | SOLE |  | 31 | 0 | 2028 |
| QUEST DIAGNOSTICS INC | COM | 74834L100 |  | 266812 | 1400 | SH |  | SOLE |  | 0 | 0 | 1400 |
| RTX CORPORATION | COM | 75513E101 |  | 1131234 | 6760 | SH |  | SOLE |  | 2297 | 0 | 4463 |
| SALESFORCE INC | COM | 79466L302 |  | 557229 | 2351 | SH |  | SOLE |  | 710 | 0 | 1641 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 6051599 | 181348 | SH |  | SOLE |  | 7388 | 0 | 173961 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 3979096 | 142620 | SH |  | SOLE |  | 14608 | 0 | 128012 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 25678899 | 804729 | SH |  | SOLE |  | 267887 | 0 | 536842 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 886458 | 30452 | SH |  | SOLE |  | 9015 | 0 | 21437 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 51910769 | 2019089 | SH |  | SOLE |  | 108883 | 0 | 1910206 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 15764008 | 677148 | SH |  | SOLE |  | 20352 | 0 | 656796 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 22051631 | 837192 | SH |  | SOLE |  | 40873 | 0 | 796319 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 3061317 | 125464 | SH |  | SOLE |  | 25615 | 0 | 99849 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 1442060 | 57384 | SH |  | SOLE |  | 32828 | 0 | 24556 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 422227 | 19575 | SH |  | SOLE |  | 0 | 0 | 19575 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 2185005 | 73718 | SH |  | SOLE |  | 14181 | 0 | 59537 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 1710017 | 72860 | SH |  | SOLE |  | 1821 | 0 | 71039 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 3150554 | 115405 | SH |  | SOLE |  | 37357 | 0 | 78048 |
| SCHWAB STRATEGIC TR | LONG TERM US | 808524680 |  | 2819208 | 87255 | SH |  | SOLE |  | 32831 | 0 | 54424 |
| SEI INVTS CO | COM | 784117103 |  | 339400 | 4000 | SH |  | SOLE |  | 0 | 0 | 4000 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 2919321 | 33475 | SH |  | SOLE |  | 3935 | 0 | 29539 |
| SELECT SECTOR SPDR TR | SBI MATERIALS | 81369Y100 |  | 2388104 | 26647 | SH |  | SOLE |  | 3368 | 0 | 23279 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 6840317 | 76565 | SH |  | SOLE |  | 13445 | 0 | 63120 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 19664747 | 365041 | SH |  | SOLE |  | 92155 | 0 | 272886 |
| SELECT SECTOR SPDR TR | INDL | 81369Y704 |  | 14444300 | 93654 | SH |  | SOLE |  | 21585 | 0 | 72069 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 38309788 | 135918 | SH |  | SOLE |  | 39483 | 0 | 96435 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 3564814 | 45487 | SH |  | SOLE |  | 8330 | 0 | 37157 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 10431780 | 74957 | SH |  | SOLE |  | 21446 | 0 | 53511 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 20024412 | 83560 | SH |  | SOLE |  | 13812 | 0 | 69748 |
| SELECT SECTOR SPDR TR | RL EST SEL SEC | 81369Y860 |  | 2204365 | 52323 | SH |  | SOLE |  | 5992 | 0 | 46331 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 18345541 | 154985 | SH |  | SOLE |  | 27753 | 0 | 127232 |
| SERVICENOW INC | COM | 81762P102 |  | 1154951 | 1255 | SH |  | SOLE |  | 255 | 0 | 1000 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 1038780 | 3000 | SH |  | SOLE |  | 0 | 0 | 3000 |
| SNAP ON INC | COM | 833034101 |  | 346530 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 1094763 | 2361 | SH |  | SOLE |  | 1254 | 0 | 1106 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 394572 | 1110 | SH |  | SOLE |  | 169 | 0 | 941 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 7916665 | 185012 | SH |  | SOLE |  | 30083 | 0 | 154929 |
| SPDR INDEX SHS FDS | EURO STOXX 50 | 78463X202 |  | 1427890 | 22986 | SH |  | SOLE |  | 7792 | 0 | 15194 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 4305278 | 91973 | SH |  | SOLE |  | 7985 | 0 | 83988 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 8706027 | 13069 | SH |  | SOLE |  | 6616 | 0 | 6453 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 622933 | 1045 | SH |  | SOLE |  | 630 | 0 | 415 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 12039907 | 210525 | SH |  | SOLE |  | 159612 | 0 | 50912 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 49952643 | 637639 | SH |  | SOLE |  | 223077 | 0 | 414562 |
| SPDR SERIES TRUST | NUVEEN ICE MUNIC | 78468R721 |  | 1135377 | 24915 | SH |  | SOLE |  | 8028 | 0 | 16887 |
| SPDR SERIES TRUST | S BIOTECH | 78464A870 |  | 222544 | 2221 | SH |  | SOLE |  | 0 | 0 | 2221 |
| SPDR SERIES TRUST | PORTFLI HIGH YLD | 78468R606 |  | 709119 | 29621 | SH |  | SOLE |  | 24481 | 0 | 5140 |
| SPDR SERIES TRUST | PORTFOLIO SH TSR | 78468R101 |  | 4579740 | 156199 | SH |  | SOLE |  | 6933 | 0 | 149266 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 14318701 | 309126 | SH |  | SOLE |  | 103277 | 0 | 205849 |
| SPDR SERIES TRUST | AEROSPACE DEF | 78464A631 |  | 1096088 | 4665 | SH |  | SOLE |  | 1310 | 0 | 3355 |
| SPDR SERIES TRUST | NUVEEN ICE HIGH | 78464A284 |  | 532580 | 21363 | SH |  | SOLE |  | 7328 | 0 | 14035 |
| SPDR SERIES TRUST | PORTFOLIO SHORT | 78464A474 |  | 317500 | 10482 | SH |  | SOLE |  | 443 | 0 | 10039 |
| SPDR SERIES TRUST | PORT MTG BK ETF | 78464A383 |  | 599245 | 26704 | SH |  | SOLE |  | 476 | 0 | 26228 |
| SPDR SERIES TRUST | SPDR S 500 ETF | 78468R796 |  | 299152 | 5454 | SH |  | SOLE |  | 0 | 0 | 5454 |
| SPDR SERIES TRUST | PRTFLO S HI | 78468R788 |  | 253968 | 5772 | SH |  | SOLE |  | 4262 | 0 | 1510 |
| STARBUCKS CORP | COM | 855244109 |  | 804301 | 9507 | SH |  | SOLE |  | 525 | 0 | 8982 |
| SUN CMNTYS INC | COM | 866674104 |  | 1327010 | 10287 | SH |  | SOLE |  | 8101 | 0 | 2186 |
| T-MOBILE US INC | COM | 872590104 |  | 708539 | 2960 | SH |  | SOLE |  | 18 | 0 | 2942 |
| TARGET CORP | COM | 87612E106 |  | 345524 | 3852 | SH |  | SOLE |  | 0 | 0 | 3852 |
| TESLA INC | COM | 88160R101 |  | 1141596 | 2567 | SH |  | SOLE |  | 439 | 0 | 2128 |
| TRACTOR SUPPLY CO | COM | 892356106 |  | 284003 | 4994 | SH |  | SOLE |  | 0 | 0 | 4994 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 703407 | 1667 | SH |  | SOLE |  | 240 | 0 | 1427 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 1930038 | 6912 | SH |  | SOLE |  | 266 | 0 | 6646 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 278755 | 6097 | SH |  | SOLE |  | 0 | 0 | 6097 |
| UNION PAC CORP | COM | 907818108 |  | 745364 | 3153 | SH |  | SOLE |  | 588 | 0 | 2565 |
| UNITED RENTALS INC | COM | 911363109 |  | 954660 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| VANECK ETF TRUST | LONG MUNI ETF | 92189F536 |  | 263354 | 15066 | SH |  | SOLE |  | 5357 | 0 | 9709 |
| VANECK ETF TRUST | INTRMDT MUNI ETF | 92189H201 |  | 633527 | 13595 | SH |  | SOLE |  | 5095 | 0 | 8500 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 202739 | 466 | SH |  | SOLE |  | 118 | 0 | 348 |
| VANGUARD ADMIRAL FDS INC | 500 VAL IDX FD | 921932703 |  | 3917054 | 19637 | SH |  | SOLE |  | 9004 | 0 | 10633 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 25189871 | 338710 | SH |  | SOLE |  | 51379 | 0 | 287331 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 7299818 | 92508 | SH |  | SOLE |  | 6770 | 0 | 85738 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 579492 | 11591 | SH |  | SOLE |  | 10070 | 0 | 1521 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 2289742 | 7438 | SH |  | SOLE |  | 1444 | 0 | 5994 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 5368763 | 28788 | SH |  | SOLE |  | 12989 | 0 | 15800 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 820117 | 2792 | SH |  | SOLE |  | 202 | 0 | 2590 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 2402395 | 26279 | SH |  | SOLE |  | 3619 | 0 | 22660 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 310715 | 1044 | SH |  | SOLE |  | 260 | 0 | 784 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 4651884 | 9699 | SH |  | SOLE |  | 5829 | 0 | 3870 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 23579163 | 92729 | SH |  | SOLE |  | 20338 | 0 | 72391 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 2164795 | 3535 | SH |  | SOLE |  | 286 | 0 | 3249 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 69252345 | 211026 | SH |  | SOLE |  | 51817 | 0 | 159209 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 4066020 | 75047 | SH |  | SOLE |  | 16641 | 0 | 58405 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 8021504 | 112393 | SH |  | SOLE |  | 28040 | 0 | 84353 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 11912792 | 86450 | SH |  | SOLE |  | 51692 | 0 | 34758 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 263718 | 1850 | SH |  | SOLE |  | 1260 | 0 | 590 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 1977370 | 39492 | SH |  | SOLE |  | 2251 | 0 | 37241 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 2369153 | 41666 | SH |  | SOLE |  | 14474 | 0 | 27192 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 21288628 | 354633 | SH |  | SOLE |  | 143134 | 0 | 211499 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 18540840 | 315052 | SH |  | SOLE |  | 49538 | 0 | 265514 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 20385088 | 255037 | SH |  | SOLE |  | 28274 | 0 | 226763 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1721982 | 7980 | SH |  | SOLE |  | 0 | 0 | 7980 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 34814896 | 473930 | SH |  | SOLE |  | 109470 | 0 | 364460 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 2033865 | 33943 | SH |  | SOLE |  | 9004 | 0 | 24939 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 205448 | 1458 | SH |  | SOLE |  | 890 | 0 | 568 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 321482 | 4805 | SH |  | SOLE |  | 3940 | 0 | 865 |
| VANGUARD WORLD FD | MATERIALS ETF | 92204A801 |  | 805100 | 3930 | SH |  | SOLE |  | 570 | 0 | 3360 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 16259578 | 62633 | SH |  | SOLE |  | 11005 | 0 | 51628 |
| VANGUARD WORLD FD | ENERGY ETF | 92204A306 |  | 2118061 | 16829 | SH |  | SOLE |  | 442 | 0 | 16387 |
| VANGUARD WORLD FD | CONSUM DIS ETF | 92204A108 |  | 2448207 | 6180 | SH |  | SOLE |  | 139 | 0 | 6041 |
| VANGUARD WORLD FD | INDUSTRIAL ETF | 92204A603 |  | 3447715 | 11636 | SH |  | SOLE |  | 1296 | 0 | 10340 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 66260117 | 88746 | SH |  | SOLE |  | 3554 | 0 | 85192 |
| VANGUARD WORLD FD | COMM SRVC ETF | 92204A884 |  | 5544032 | 29532 | SH |  | SOLE |  | 605 | 0 | 28927 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 2606423 | 13761 | SH |  | SOLE |  | 1009 | 0 | 12752 |
| VANGUARD WORLD FD | FINANCIALS ETF | 92204A405 |  | 14489290 | 110403 | SH |  | SOLE |  | 9391 | 0 | 101012 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 |  | 2083440 | 9748 | SH |  | SOLE |  | 1102 | 0 | 8646 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 380653 | 8661 | SH |  | SOLE |  | 33 | 0 | 8628 |
| VISA INC | COM CL A | 92826C839 |  | 2192342 | 6422 | SH |  | SOLE |  | 607 | 0 | 5815 |
| VULCAN MATLS CO | COM | 929160109 |  | 441742 | 1436 | SH |  | SOLE |  | 436 | 0 | 1000 |
| WALMART INC | COM | 931142103 |  | 2474183 | 24007 | SH |  | SOLE |  | 7758 | 0 | 16249 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 1486582 | 6732 | SH |  | SOLE |  | 300 | 0 | 6432 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 229644 | 2740 | SH |  | SOLE |  | 1274 | 0 | 1466 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 2867257 | 37505 | SH |  | SOLE |  | 4438 | 0 | 33067 |
| YUM BRANDS INC | COM | 988498101 |  | 2114386 | 13910 | SH |  | SOLE |  | 600 | 0 | 13310 |
| YUM CHINA HLDGS INC | COM | 98850P109 |  | 212042 | 4940 | SH |  | SOLE |  | 300 | 0 | 4640 |

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