# EDGAR Filing Document

**Accession Number:** 0001876326
**File Stem:** 0001876326-23-000001
**Filing Date:** 2023-1
**Character Count:** 18286
**Document Hash:** 158ade06fd7a356bc8481f6416cab701
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001876326-23-000001.hdr.sgml**: 20230117

**ACCESSION NUMBER**: 0001876326-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230117

**DATE AS OF CHANGE**: 20230117

**EFFECTIVENESS DATE**: 20230117

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Five Oceans Advisors
- **CENTRAL INDEX KEY:** 0001876326
- **IRS NUMBER:** 844928181

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21379
- **FILM NUMBER:** 23532280

**BUSINESS ADDRESS:**
- **STREET 1:** 2719 4TH ST
- **CITY:** SANTA MONICA
- **STATE:** CA
- **ZIP:** 90405-4273
- **BUSINESS PHONE:** 3105255155

**MAIL ADDRESS:**
- **STREET 1:** 2719 4TH ST
- **CITY:** SANTA MONICA
- **STATE:** CA
- **ZIP:** 90405-4273

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** Five Oceans Advisors<br>**Address:** 2719 4TH ST<br>SANTA MONICA, CA 90405-4273

**Form 13F File Number:** 028-21379

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:** Spencer Rand<br>**Title:** Chief Compliance Officer<br>**Phone:** 5717653343

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

Spencer Rand  SANTA MONICA, CA  01-17-2023<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:** 148

**Form 13F Information Table Value Total:** $144489039

      (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 |  | 240091 | 2002 | SH |  | SOLE | 0 | 0 | 0 | 2002 |
| ABB LTD | SPONSORED ADR | 000375204 |  | 212093 | 6963 | SH |  | SOLE | 0 | 0 | 0 | 6963 |
| ABBOTT LABS | COM | 002824100 |  | 322563 | 2938 | SH |  | SOLE | 0 | 0 | 0 | 2938 |
| ABBVIE INC | COM | 00287Y109 |  | 894996 | 5538 | SH |  | SOLE | 0 | 0 | 0 | 5538 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 307400 | 1152 | SH |  | SOLE | 0 | 0 | 0 | 1152 |
| ADOBE SYSTEMS INCORPORATED | COM | 00724F101 |  | 232542 | 691 | SH |  | SOLE | 0 | 0 | 0 | 691 |
| AEGON N V | NY REGISTRY SHS | 007924103 |  | 51048 | 10129 | SH |  | SOLE | 0 | 0 | 0 | 10129 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 878604 | 9902 | SH |  | SOLE | 0 | 0 | 0 | 9902 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 920327 | 10431 | SH |  | SOLE | 0 | 0 | 0 | 10431 |
| AMAZON COM INC | COM | 023135106 |  | 904680 | 10770 | SH |  | SOLE | 0 | 0 | 0 | 10770 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 217046 | 1469 | SH |  | SOLE | 0 | 0 | 0 | 1469 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 211732 | 680 | SH |  | SOLE | 0 | 0 | 0 | 680 |
| AMGEN INC | COM | 031162100 |  | 302299 | 1151 | SH |  | SOLE | 0 | 0 | 0 | 1151 |
| ANHEUSER BUSCH INBEV SA/NV | SPONSORED ADR | 03524A108 |  | 223169 | 3717 | SH |  | SOLE | 0 | 0 | 0 | 3717 |
| APPLE INC | COM | 037833100 |  | 3563785 | 27428 | SH |  | SOLE | 0 | 0 | 0 | 27428 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 988984 | 1810 | SH |  | SOLE | 0 | 0 | 0 | 1810 |
| ASTRAZENECA PLC | SPONSORED ADR | 046353108 |  | 466735 | 6884 | SH |  | SOLE | 0 | 0 | 0 | 6884 |
| BANCO SANTANDER S.A. | ADR | 05964H105 |  | 209633 | 71062 | SH |  | SOLE | 0 | 0 | 0 | 71062 |
| BANK AMERICA CORP | COM | 060505104 |  | 296623 | 8956 | SH |  | SOLE | 0 | 0 | 0 | 8956 |
| BANK MONTREAL QUE | COM | 063671101 |  | 337309 | 3723 | SH |  | SOLE | 0 | 0 | 0 | 3723 |
| BANK NOVA SCOTIA HALIFAX | COM | 064149107 |  | 235790 | 4814 | SH |  | SOLE | 0 | 0 | 0 | 4814 |
| BARCLAYS PLC | ADR | 06738E204 |  | 152209 | 19514 | SH |  | SOLE | 0 | 0 | 0 | 19514 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 689156 | 2231 | SH |  | SOLE | 0 | 0 | 0 | 2231 |
| BLACKROCK INC | COM | 09247X101 |  | 228179 | 322 | SH |  | SOLE | 0 | 0 | 0 | 322 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 468251 | 6508 | SH |  | SOLE | 0 | 0 | 0 | 6508 |
| BROADCOM INC | COM | 11135F101 |  | 415434 | 743 | SH |  | SOLE | 0 | 0 | 0 | 743 |
| CATERPILLAR INC | COM | 149123101 |  | 263276 | 1099 | SH |  | SOLE | 0 | 0 | 0 | 1099 |
| CIGNA CORP NEW | COM | 125523100 |  | 384023 | 1159 | SH |  | SOLE | 0 | 0 | 0 | 1159 |
| CISCO SYS INC | COM | 17275R102 |  | 445910 | 9360 | SH |  | SOLE | 0 | 0 | 0 | 9360 |
| COCA COLA CO | COM | 191216100 |  | 546664 | 8594 | SH |  | SOLE | 0 | 0 | 0 | 8594 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 388761 | 11117 | SH |  | SOLE | 0 | 0 | 0 | 11117 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 597102 | 1308 | SH |  | SOLE | 0 | 0 | 0 | 1308 |
| CVS HEALTH CORP | COM | 126650100 |  | 636301 | 6828 | SH |  | SOLE | 0 | 0 | 0 | 6828 |
| DANAHER CORPORATION | COM | 235851102 |  | 287450 | 1083 | SH |  | SOLE | 0 | 0 | 0 | 1083 |
| DEERE  CO | COM | 244199105 |  | 275264 | 642 | SH |  | SOLE | 0 | 0 | 0 | 642 |
| DIAGEO PLC | SPON ADR NEW | 25243Q205 |  | 203849 | 1144 | SH |  | SOLE | 0 | 0 | 0 | 1144 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 398360 | 14743 | SH |  | SOLE | 0 | 0 | 0 | 14743 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 1049326 | 41906 | SH |  | SOLE | 0 | 0 | 0 | 41906 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 578120 | 26338 | SH |  | SOLE | 0 | 0 | 0 | 26338 |
| DIMENSIONAL ETF TRUST | US EQUITY ETF | 25434V401 |  | 1842907 | 44290 | SH |  | SOLE | 0 | 0 | 0 | 44290 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 5905357 | 243219 | SH |  | SOLE | 0 | 0 | 0 | 243219 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 2769376 | 54142 | SH |  | SOLE | 0 | 0 | 0 | 54142 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 497775 | 11326 | SH |  | SOLE | 0 | 0 | 0 | 11326 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 781371 | 25703 | SH |  | SOLE | 0 | 0 | 0 | 25703 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 996581 | 46138 | SH |  | SOLE | 0 | 0 | 0 | 46138 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 |  | 8732629 | 212163 | SH |  | SOLE | 0 | 0 | 0 | 212163 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 1359655 | 29500 | SH |  | SOLE | 0 | 0 | 0 | 29500 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 853194 | 20549 | SH |  | SOLE | 0 | 0 | 0 | 20549 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 |  | 1041636 | 21787 | SH |  | SOLE | 0 | 0 | 0 | 21787 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 356380 | 14843 | SH |  | SOLE | 0 | 0 | 0 | 14843 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 727285 | 34387 | SH |  | SOLE | 0 | 0 | 0 | 34387 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 409225 | 16521 | SH |  | SOLE | 0 | 0 | 0 | 16521 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 |  | 226277 | 10262 | SH |  | SOLE | 0 | 0 | 0 | 10262 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 323600 | 14570 | SH |  | SOLE | 0 | 0 | 0 | 14570 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 1591834 | 71223 | SH |  | SOLE | 0 | 0 | 0 | 71223 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 630888 | 29330 | SH |  | SOLE | 0 | 0 | 0 | 29330 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 1198780 | 53374 | SH |  | SOLE | 0 | 0 | 0 | 53374 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 518438 | 15485 | SH |  | SOLE | 0 | 0 | 0 | 15485 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 812558 | 29243 | SH |  | SOLE | 0 | 0 | 0 | 29243 |
| DIMENSIONAL ETF TRUST | EMERGING MARKETS | 25434V682 |  | 7826274 | 277753 | SH |  | SOLE | 0 | 0 | 0 | 277753 |
| EATON CORP PLC | SHS | G29183103 |  | 214394 | 1366 | SH |  | SOLE | 0 | 0 | 0 | 1366 |
| ELEVANCE HEALTH INC | COM | 036752103 |  | 388831 | 758 | SH |  | SOLE | 0 | 0 | 0 | 758 |
| ENBRIDGE INC | COM | 29250N105 |  | 258647 | 6615 | SH |  | SOLE | 0 | 0 | 0 | 6615 |
| ERICSSON | ADR B SEK 10 | 294821608 |  | 158463 | 27134 | SH |  | SOLE | 0 | 0 | 0 | 27134 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 240638 | 2803 | SH |  | SOLE | 0 | 0 | 0 | 2803 |
| GOLDMAN SACHS ETF TR | ACCES TREASURY | 381430529 |  | 634743 | 6366 | SH |  | SOLE | 0 | 0 | 0 | 6366 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 250667 | 730 | SH |  | SOLE | 0 | 0 | 0 | 730 |
| GSK PLC | SPONSORED ADR | 37733W204 |  | 205428 | 5846 | SH |  | SOLE | 0 | 0 | 0 | 5846 |
| HOME DEPOT INC | COM | 437076102 |  | 600450 | 1901 | SH |  | SOLE | 0 | 0 | 0 | 1901 |
| HONEYWELL INTL INC | COM | 438516106 |  | 228230 | 1065 | SH |  | SOLE | 0 | 0 | 0 | 1065 |
| HSBC HLDGS PLC | SPON ADR NEW | 404280406 |  | 270874 | 8693 | SH |  | SOLE | 0 | 0 | 0 | 8693 |
| ING GROEP N.V. | SPONSORED ADR | 456837103 |  | 198943 | 16347 | SH |  | SOLE | 0 | 0 | 0 | 16347 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 286148 | 2031 | SH |  | SOLE | 0 | 0 | 0 | 2031 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 817520 | 17506 | SH |  | SOLE | 0 | 0 | 0 | 17506 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 204215 | 3648 | SH |  | SOLE | 0 | 0 | 0 | 3648 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 774583 | 7735 | SH |  | SOLE | 0 | 0 | 0 | 7735 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 602553 | 7106 | SH |  | SOLE | 0 | 0 | 0 | 7106 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 612020 | 7235 | SH |  | SOLE | 0 | 0 | 0 | 7235 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 460858 | 4752 | SH |  | SOLE | 0 | 0 | 0 | 4752 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 1794568 | 17036 | SH |  | SOLE | 0 | 0 | 0 | 17036 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 1077350 | 7769 | SH |  | SOLE | 0 | 0 | 0 | 7769 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 916990 | 5191 | SH |  | SOLE | 0 | 0 | 0 | 5191 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 957608 | 7141 | SH |  | SOLE | 0 | 0 | 0 | 7141 |
| LILLY ELI  CO | COM | 532457108 |  | 434984 | 1189 | SH |  | SOLE | 0 | 0 | 0 | 1189 |
| LLOYDS BANKING GROUP PLC | SPONSORED ADR | 539439109 |  | 64033 | 29106 | SH |  | SOLE | 0 | 0 | 0 | 29106 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 283137 | 582 | SH |  | SOLE | 0 | 0 | 0 | 582 |
| LOWES COS INC | COM | 548661107 |  | 274353 | 1377 | SH |  | SOLE | 0 | 0 | 0 | 1377 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 662426 | 1905 | SH |  | SOLE | 0 | 0 | 0 | 1905 |
| MCDONALDS CORP | COM | 580135101 |  | 449582 | 1706 | SH |  | SOLE | 0 | 0 | 0 | 1706 |
| MCKESSON CORP | COM | 58155Q103 |  | 244953 | 653 | SH |  | SOLE | 0 | 0 | 0 | 653 |
| MERCK  CO INC | COM | 58933Y105 |  | 368354 | 3320 | SH |  | SOLE | 0 | 0 | 0 | 3320 |
| META PLATFORMS INC | CL A | 30303M102 |  | 623241 | 5179 | SH |  | SOLE | 0 | 0 | 0 | 5179 |
| MICROSOFT CORP | COM | 594918104 |  | 2492449 | 10393 | SH |  | SOLE | 0 | 0 | 0 | 10393 |
| MITSUBISHI UFJ FINL GROUP IN | SPONSORED ADS | 606822104 |  | 108508 | 16268 | SH |  | SOLE | 0 | 0 | 0 | 16268 |
| MIZUHO FINANCIAL GROUP INC | SPONSORED ADR | 60687Y109 |  | 59827 | 21066 | SH |  | SOLE | 0 | 0 | 0 | 21066 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 256505 | 3017 | SH |  | SOLE | 0 | 0 | 0 | 3017 |
| NETFLIX INC | COM | 64110L106 |  | 650210 | 2205 | SH |  | SOLE | 0 | 0 | 0 | 2205 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 266768 | 3191 | SH |  | SOLE | 0 | 0 | 0 | 3191 |
| NIKE INC | CL B | 654106103 |  | 512387 | 4379 | SH |  | SOLE | 0 | 0 | 0 | 4379 |
| NOMURA HLDGS INC | SPONSORED ADR | 65535H208 |  | 51341 | 13691 | SH |  | SOLE | 0 | 0 | 0 | 13691 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 213334 | 391 | SH |  | SOLE | 0 | 0 | 0 | 391 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 688202 | 7586 | SH |  | SOLE | 0 | 0 | 0 | 7586 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 2296605 | 16969 | SH |  | SOLE | 0 | 0 | 0 | 16969 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 463118 | 3169 | SH |  | SOLE | 0 | 0 | 0 | 3169 |
| ORACLE CORP | COM | 68389X105 |  | 305381 | 3736 | SH |  | SOLE | 0 | 0 | 0 | 3736 |
| ORANGE | SPONSORED ADR | 684060106 |  | 199695 | 20212 | SH |  | SOLE | 0 | 0 | 0 | 20212 |
| PEPSICO INC | COM | 713448108 |  | 600695 | 3325 | SH |  | SOLE | 0 | 0 | 0 | 3325 |
| PFIZER INC | COM | 717081103 |  | 386042 | 7534 | SH |  | SOLE | 0 | 0 | 0 | 7534 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 644736 | 4254 | SH |  | SOLE | 0 | 0 | 0 | 4254 |
| QUALCOMM INC | COM | 747525103 |  | 301455 | 2742 | SH |  | SOLE | 0 | 0 | 0 | 2742 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 217684 | 2157 | SH |  | SOLE | 0 | 0 | 0 | 2157 |
| RELX PLC | SPONSORED ADR | 759530108 |  | 402688 | 14527 | SH |  | SOLE | 0 | 0 | 0 | 14527 |
| ROYAL BK CDA SUSTAINABL | COM | 780087102 |  | 703928 | 7487 | SH |  | SOLE | 0 | 0 | 0 | 7487 |
| SCHLUMBERGER LTD | COM STK | 806857108 |  | 354761 | 6636 | SH |  | SOLE | 0 | 0 | 0 | 6636 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 225385 | 2707 | SH |  | SOLE | 0 | 0 | 0 | 2707 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 8613224 | 192217 | SH |  | SOLE | 0 | 0 | 0 | 192217 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 3912698 | 121475 | SH |  | SOLE | 0 | 0 | 0 | 121475 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 1491651 | 22594 | SH |  | SOLE | 0 | 0 | 0 | 22594 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 241127 | 1016 | SH |  | SOLE | 0 | 0 | 0 | 1016 |
| SONY GROUP CORPORATION | SPONSORED ADR | 835699307 |  | 532434 | 6980 | SH |  | SOLE | 0 | 0 | 0 | 6980 |
| SUMITOMO MITSUI FINL GROUP I | SPONSORED ADR | 86562M209 |  | 195897 | 24426 | SH |  | SOLE | 0 | 0 | 0 | 24426 |
| TAKEDA PHARMACEUTICAL CO LTD | SPONSORED ADS | 874060205 |  | 319847 | 20503 | SH |  | SOLE | 0 | 0 | 0 | 20503 |
| TARGET CORP | COM | 87612E106 |  | 235185 | 1578 | SH |  | SOLE | 0 | 0 | 0 | 1578 |
| TELEFONICA S A | SPONSORED ADR | 879382208 |  | 67164 | 18814 | SH |  | SOLE | 0 | 0 | 0 | 18814 |
| TESLA INC | COM | 88160R101 |  | 629943 | 5114 | SH |  | SOLE | 0 | 0 | 0 | 5114 |
| TEXAS INSTRS INC | COM | 882508104 |  | 212638 | 1287 | SH |  | SOLE | 0 | 0 | 0 | 1287 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 340877 | 619 | SH |  | SOLE | 0 | 0 | 0 | 619 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 440433 | 6801 | SH |  | SOLE | 0 | 0 | 0 | 6801 |
| TOYOTA MOTOR CORP | ADS | 892331307 |  | 727562 | 5327 | SH |  | SOLE | 0 | 0 | 0 | 5327 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 289110 | 1542 | SH |  | SOLE | 0 | 0 | 0 | 1542 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 684206 | 13589 | SH |  | SOLE | 0 | 0 | 0 | 13589 |
| UNION PAC CORP | COM | 907818108 |  | 274575 | 1326 | SH |  | SOLE | 0 | 0 | 0 | 1326 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 1406037 | 2652 | SH |  | SOLE | 0 | 0 | 0 | 2652 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 417192 | 5807 | SH |  | SOLE | 0 | 0 | 0 | 5807 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 1136049 | 23952 | SH |  | SOLE | 0 | 0 | 0 | 23952 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 533014 | 1517 | SH |  | SOLE | 0 | 0 | 0 | 1517 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 817208 | 6043 | SH |  | SOLE | 0 | 0 | 0 | 6043 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 986708 | 7029 | SH |  | SOLE | 0 | 0 | 0 | 7029 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 671136 | 4226 | SH |  | SOLE | 0 | 0 | 0 | 4226 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 3092896 | 16177 | SH |  | SOLE | 0 | 0 | 0 | 16177 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 2016459 | 51731 | SH |  | SOLE | 0 | 0 | 0 | 51731 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 366473 | 4252 | SH |  | SOLE | 0 | 0 | 0 | 4252 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 484003 | 10362 | SH |  | SOLE | 0 | 0 | 0 | 10362 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 21699619 | 375296 | SH |  | SOLE | 0 | 0 | 0 | 375296 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 2911614 | 69374 | SH |  | SOLE | 0 | 0 | 0 | 69374 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 231498 | 3515 | SH |  | SOLE | 0 | 0 | 0 | 3515 |
| VISA INC | COM CL A | 92826C839 |  | 706384 | 3400 | SH |  | SOLE | 0 | 0 | 0 | 3400 |
| WALMART INC | COM | 931142103 |  | 415586 | 2931 | SH |  | SOLE | 0 | 0 | 0 | 2931 |

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