# EDGAR Filing Document

**Accession Number:** 0001765595
**File Stem:** 0001765595-25-000007
**Filing Date:** 2025-10
**Character Count:** 17839
**Document Hash:** 36c858146fa3a5b6b6d6b7bf0a70e2d9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001765595-25-000007.hdr.sgml**: 20251022

**ACCESSION NUMBER**: 0001765595-25-000007

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251022

**DATE AS OF CHANGE**: 20251022

**EFFECTIVENESS DATE**: 20251022

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Bernardo Wealth Planning LLC
- **CENTRAL INDEX KEY:** 0001765595

**ORGANIZATION NAME:**
- **EIN:** 812605660
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19278
- **FILM NUMBER:** 251409913

**BUSINESS ADDRESS:**
- **STREET 1:** 272 RUTH RD.
- **CITY:** HARLEYSVILLE
- **STATE:** PA
- **ZIP:** 19438
- **BUSINESS PHONE:** 2675001080

**MAIL ADDRESS:**
- **STREET 1:** 272 RUTH RD.
- **CITY:** HARLEYSVILLE
- **STATE:** PA
- **ZIP:** 19438

### 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:** Bernardo Wealth Planning LLC<br>**Address:** 272 RUTH RD.<br>HARLEYSVILLE, PA 19438

**Form 13F File Number:** 028-19278

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:** Ashleigh Swayze<br>**Title:** Counsel<br>**Phone:** 6463953900

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

/s/Ashleigh Swayze  PRINCETON, NJ  10-22-2025<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:** 127

**Form 13F Information Table Value Total:** $510063943

      (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 |
| ABBOTT LABS | COM | 002824100 | BBG001S5N9M6 | 305452 | 2281 | SH |  | SOLE |  | 0 | 0 | 2281 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 445298 | 1923 | SH |  | SOLE |  | 0 | 0 | 1923 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 544553 | 2240 | SH |  | SOLE |  | 0 | 0 | 2240 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 2093230 | 8595 | SH |  | SOLE |  | 0 | 0 | 8595 |
| ALTRIA GROUP INC | COM | 02209S103 | BBG001S5T8T5 | 206750 | 3130 | SH |  | SOLE |  | 0 | 0 | 3130 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 3844890 | 17511 | SH |  | SOLE |  | 0 | 0 | 17511 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 10013725 | 39327 | SH |  | SOLE |  | 0 | 0 | 39327 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 | BBG001S82KF6 | 348707 | 1188 | SH |  | SOLE |  | 0 | 0 | 1188 |
| BANK AMERICA CORP | COM | 060505104 | BBG001S5P0Y0 | 216080 | 4188 | SH |  | SOLE |  | 0 | 0 | 4188 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 654065 | 1301 | SH |  | SOLE |  | 0 | 0 | 1301 |
| BLACKSTONE INC | COM | 09260D107 | BBG001S7H949 | 616453 | 3608 | SH |  | SOLE |  | 0 | 0 | 3608 |
| BOSTON SCIENTIFIC CORP | COM | 101137107 | BBG001S63L94 | 416392 | 4265 | SH |  | SOLE |  | 0 | 0 | 4265 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 383530 | 1163 | SH |  | SOLE |  | 0 | 0 | 1163 |
| CAPITAL GRP FIXED INCM ETF T | CORE PLUS INCM | 14020Y102 | BBG014YZRRT5 | 25567156 | 1125315 | SH |  | SOLE |  | 0 | 0 | 1125315 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 621244 | 4001 | SH |  | SOLE |  | 0 | 0 | 4001 |
| CHICAGO ATLANTIC BDC INC | COM | 828174102 | BBG011K51CL1 | 107919 | 10278 | SH |  | SOLE |  | 0 | 0 | 10278 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 | BBG014KFRPJ9 | 203694 | 619 | SH |  | SOLE |  | 0 | 0 | 619 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 | BBG011DXXNJ2 | 18336450 | 253126 | SH |  | SOLE |  | 0 | 0 | 253126 |
| DIREXION SHS ETF TR | DAILY TSLA 2X SH | 25460G286 | BBG0193YH5W6 | 421567 | 19970 | SH |  | SOLE |  | 0 | 0 | 19970 |
| DISNEY WALT CO | COM | 254687106 | BBG001S5QHF3 | 221105 | 1931 | SH |  | SOLE |  | 0 | 0 | 1931 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 265071 | 347 | SH |  | SOLE |  | 0 | 0 | 347 |
| ESSENTIAL UTILS INC | COM | 29670G102 | BBG001S5VFD3 | 442266 | 11084 | SH |  | SOLE |  | 0 | 0 | 11084 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 653405 | 5795 | SH |  | SOLE |  | 0 | 0 | 5795 |
| FIRST TR EXCH TRADED FD III | MANAGD MUN ETF | 33739N108 | BBG006H1W526 | 1164039 | 22959 | SH |  | SOLE |  | 0 | 0 | 22959 |
| FIRST TR EXCHANGE-TRADED FD | CAP STRENGTH ETF | 33733E104 | BBG001SQ1882 | 5471985 | 58436 | SH |  | SOLE |  | 0 | 0 | 58436 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 33734H106 | BBG001SLWD88 | 514921 | 11136 | SH |  | SOLE |  | 0 | 0 | 11136 |
| GERON CORP | COM | 374163103 | BBG001S6TSX4 | 15961 | 11650 | SH |  | SOLE |  | 0 | 0 | 11650 |
| GRAYSCALE ETHEREUM TRUST ETF | SHS | 389638107 | BBG00P5NVDH7 | 209047 | 6100 | SH |  | SOLE |  | 0 | 0 | 6100 |
| HARTFORD FDS EXCHANGE TRADED | MUN OPORTUNITE | 41653L503 | BBG00JGMYXN7 | 4832675 | 124010 | SH |  | SOLE |  | 0 | 0 | 124010 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 329735 | 814 | SH |  | SOLE |  | 0 | 0 | 814 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 362152 | 1283 | SH |  | SOLE |  | 0 | 0 | 1283 |
| INTUIT | COM | 461202103 | BBG001S6TWR2 | 497851 | 729 | SH |  | SOLE |  | 0 | 0 | 729 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 | BBG00XS6PBW6 | 5233222 | 21177 | SH |  | SOLE |  | 0 | 0 | 21177 |
| INVESCO EXCH TRADED FD TR II | NATL AMT MUNI | 46138E537 | BBG001T06LJ2 | 756222 | 32751 | SH |  | SOLE |  | 0 | 0 | 32751 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 | BBG00KJR2NN7 | 21496162 | 113317 | SH |  | SOLE |  | 0 | 0 | 113317 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 6767320 | 11272 | SH |  | SOLE |  | 0 | 0 | 11272 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 | BBG01KYQ6QS5 | 260455 | 4007 | SH |  | SOLE |  | 0 | 0 | 4007 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 | BBG001V0XLT8 | 2460631 | 20095 | SH |  | SOLE |  | 0 | 0 | 20095 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 373660 | 5726 | SH |  | SOLE |  | 0 | 0 | 5726 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 229045 | 1927 | SH |  | SOLE |  | 0 | 0 | 1927 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 23207653 | 159339 | SH |  | SOLE |  | 0 | 0 | 159339 |
| ISHARES TR | CORE S US GWT | 464287671 | BBG001SFQL99 | 338788 | 2059 | SH |  | SOLE |  | 0 | 0 | 2059 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 57090274 | 85298 | SH |  | SOLE |  | 0 | 0 | 85298 |
| ISHARES TR | CORE US AGGBD ET | 464287226 | BBG001SM1QT8 | 623106 | 6216 | SH |  | SOLE |  | 0 | 0 | 6216 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 | BBG001S60KQ0 | 3486904 | 33785 | SH |  | SOLE |  | 0 | 0 | 33785 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 | BBG001SSD858 | 13191570 | 248757 | SH |  | SOLE |  | 0 | 0 | 248757 |
| ISHARES TR | MBS ETF | 464288588 | BBG001SSD8B1 | 12701942 | 133494 | SH |  | SOLE |  | 0 | 0 | 133494 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | BBG0025X2G81 | 2008539 | 21111 | SH |  | SOLE |  | 0 | 0 | 21111 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 | BBG004FPV022 | 754417 | 2942 | SH |  | SOLE |  | 0 | 0 | 2942 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 1285746 | 6611 | SH |  | SOLE |  | 0 | 0 | 6611 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 1790956 | 16818 | SH |  | SOLE |  | 0 | 0 | 16818 |
| ISHARES TR | RUS MID CAP ETF | 464287499 | BBG001SJCNS1 | 367332 | 3805 | SH |  | SOLE |  | 0 | 0 | 3805 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 | BBG001SFC7Z6 | 1292564 | 3411 | SH |  | SOLE |  | 0 | 0 | 3411 |
| ISHARES TR | S 500 GRWT ETF | 464287309 | BBG001S561Q8 | 2436371 | 20182 | SH |  | SOLE |  | 0 | 0 | 20182 |
| ISHARES TR | S 500 VAL ETF | 464287408 | BBG001S561K4 | 1950693 | 9446 | SH |  | SOLE |  | 0 | 0 | 9446 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | BBG001SLS4Q3 | 411745 | 3856 | SH |  | SOLE |  | 0 | 0 | 3856 |
| ISHARES TR | U.S. ENERGY ETF | 464287796 | BBG001SFGXW8 | 352990 | 7428 | SH |  | SOLE |  | 0 | 0 | 7428 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 | BBG001SQZT52 | 253057 | 4212 | SH |  | SOLE |  | 0 | 0 | 4212 |
| ISHARES TR | US TREAS BD ETF | 46429B267 | BBG002NCKPP8 | 14004906 | 605749 | SH |  | SOLE |  | 0 | 0 | 605749 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 | BBG00TSG0SK6 | 18828083 | 329739 | SH |  | SOLE |  | 0 | 0 | 329739 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 | BBG0130Y3986 | 13269627 | 285922 | SH |  | SOLE |  | 0 | 0 | 285922 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 | BBG00M8D48L9 | 1366172 | 27069 | SH |  | SOLE |  | 0 | 0 | 27069 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 | BBG016NKZFF7 | 13158928 | 228771 | SH |  | SOLE |  | 0 | 0 | 228771 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 1240274 | 6689 | SH |  | SOLE |  | 0 | 0 | 6689 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 770147 | 2442 | SH |  | SOLE |  | 0 | 0 | 2442 |
| LINKBANCORP INC | COM | 53578P105 | BBG00M69LH59 | 197123 | 27647 | SH |  | SOLE |  | 0 | 0 | 27647 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 208424 | 418 | SH |  | SOLE |  | 0 | 0 | 418 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 565388 | 1861 | SH |  | SOLE |  | 0 | 0 | 1861 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 1436419 | 17114 | SH |  | SOLE |  | 0 | 0 | 17114 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 851954 | 1160 | SH |  | SOLE |  | 0 | 0 | 1160 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 2102344 | 4059 | SH |  | SOLE |  | 0 | 0 | 4059 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 665401 | 555 | SH |  | SOLE |  | 0 | 0 | 555 |
| NEW YORK LIFE INVTS ACTIVE E | NYLI MACKAY MUN | 45409F827 | BBG00HZ6Q3N0 | 3479495 | 143189 | SH |  | SOLE |  | 0 | 0 | 143189 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 1844907 | 9888 | SH |  | SOLE |  | 0 | 0 | 9888 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 341425 | 1214 | SH |  | SOLE |  | 0 | 0 | 1214 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 | BBG001T53796 | 219634 | 1204 | SH |  | SOLE |  | 0 | 0 | 1204 |
| PHILIP MORRIS INTL INC | COM | 718172109 | BBG001STP9N1 | 582625 | 3592 | SH |  | SOLE |  | 0 | 0 | 3592 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 295129 | 1921 | SH |  | SOLE |  | 0 | 0 | 1921 |
| PROGRESSIVE CORP | COM | 743315103 | BBG001S5V509 | 475946 | 1927 | SH |  | SOLE |  | 0 | 0 | 1927 |
| PROSHARES TR | S 500 HIGH INC | 74347G242 | BBG01KN5C5B0 | 2328997 | 51629 | SH |  | SOLE |  | 0 | 0 | 51629 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 | BBG001S5V3C1 | 233939 | 2803 | SH |  | SOLE |  | 0 | 0 | 2803 |
| ROPER TECHNOLOGIES INC | COM | 776696106 | BBG001S9B362 | 203661 | 408 | SH |  | SOLE |  | 0 | 0 | 408 |
| RTX CORPORATION | COM | 75513E101 | BBG001S5X5Q9 | 300760 | 1797 | SH |  | SOLE |  | 0 | 0 | 1797 |
| SCHWAB CHARLES CORP | COM | 808513105 | BBG001S5VXD4 | 278104 | 2913 | SH |  | SOLE |  | 0 | 0 | 2913 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 652110 | 23887 | SH |  | SOLE |  | 0 | 0 | 23887 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 | BBG001T66WQ7 | 836519 | 28736 | SH |  | SOLE |  | 0 | 0 | 28736 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 835634 | 31725 | SH |  | SOLE |  | 0 | 0 | 31725 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 | BBG001S8LH99 | 200091 | 431 | SH |  | SOLE |  | 0 | 0 | 431 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 402392 | 1132 | SH |  | SOLE |  | 0 | 0 | 1132 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 1588290 | 2384 | SH |  | SOLE |  | 0 | 0 | 2384 |
| SPDR SERIES TRUST | NUVEEN ICE HIGH | 78464A284 | BBG001V11QG4 | 342124 | 13723 | SH |  | SOLE |  | 0 | 0 | 13723 |
| SPDR SERIES TRUST | PORTFOLI S | 78464A805 | BBG001SG6843 | 1166742 | 14467 | SH |  | SOLE |  | 0 | 0 | 14467 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 | BBG001SPTB87 | 396471 | 5061 | SH |  | SOLE |  | 0 | 0 | 5061 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 | BBG001SD7RB9 | 234625 | 2245 | SH |  | SOLE |  | 0 | 0 | 2245 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 | BBG001SG4284 | 203083 | 3670 | SH |  | SOLE |  | 0 | 0 | 3670 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 | BBG001SPTBP8 | 330222 | 2358 | SH |  | SOLE |  | 0 | 0 | 2358 |
| STRATEGY INC | CL A NEW | 594972408 | BBG001SC7PX1 | 249391 | 774 | SH |  | SOLE |  | 0 | 0 | 774 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 | BBG001S5WWW4 | 523669 | 1875 | SH |  | SOLE |  | 0 | 0 | 1875 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 1614334 | 3630 | SH |  | SOLE |  | 0 | 0 | 3630 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 | BBG001S6WCJ1 | 273626 | 792 | SH |  | SOLE |  | 0 | 0 | 792 |
| UNIVEST FINANCIAL CORPORATIO | COM | 915271100 | BBG001S6YQ99 | 725649 | 24172 | SH |  | SOLE |  | 0 | 0 | 24172 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 | BBG001TC6MF8 | 255964 | 588 | SH |  | SOLE |  | 0 | 0 | 588 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 | BBG001ST39R1 | 9087152 | 116368 | SH |  | SOLE |  | 0 | 0 | 116368 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 728021 | 1518 | SH |  | SOLE |  | 0 | 0 | 1518 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 | BBG001SHTTQ6 | 664978 | 2160 | SH |  | SOLE |  | 0 | 0 | 2160 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | BBG001SRN7S6 | 799109 | 2720 | SH |  | SOLE |  | 0 | 0 | 2720 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 5131712 | 17470 | SH |  | SOLE |  | 0 | 0 | 17470 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 1342233 | 2192 | SH |  | SOLE |  | 0 | 0 | 2192 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 5066918 | 19927 | SH |  | SOLE |  | 0 | 0 | 19927 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 1677282 | 5111 | SH |  | SOLE |  | 0 | 0 | 5111 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 2015719 | 10809 | SH |  | SOLE |  | 0 | 0 | 10809 |
| VANGUARD MUN BD FDS | CORE TAX EXEMPT | 922907712 | BBG01QXXCZC8 | 229738 | 3053 | SH |  | SOLE |  | 0 | 0 | 3053 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 1437266 | 28705 | SH |  | SOLE |  | 0 | 0 | 28705 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 | BBG001TCH518 | 24460612 | 202993 | SH |  | SOLE |  | 0 | 0 | 202993 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 | BBG001TCH581 | 30025277 | 335966 | SH |  | SOLE |  | 0 | 0 | 335966 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 329317 | 1526 | SH |  | SOLE |  | 0 | 0 | 1526 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 264166 | 4409 | SH |  | SOLE |  | 0 | 0 | 4409 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 13877808 | 98459 | SH |  | SOLE |  | 0 | 0 | 98459 |
| VANGUARD WORLD FD | CONSUM DIS ETF | 92204A108 | BBG001SHVTQ3 | 261459 | 660 | SH |  | SOLE |  | 0 | 0 | 660 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 | BBG001T0Y6L1 | 30437640 | 220979 | SH |  | SOLE |  | 0 | 0 | 220979 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 | BBG001T0Y6W9 | 43808403 | 108862 | SH |  | SOLE |  | 0 | 0 | 108862 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 232149 | 680 | SH |  | SOLE |  | 0 | 0 | 680 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 723736 | 7022 | SH |  | SOLE |  | 0 | 0 | 7022 |
| WELLS FARGO CO NEW | COM | 949746101 | BBG001S5XF23 | 352021 | 4200 | SH |  | SOLE |  | 0 | 0 | 4200 |
| WEYERHAEUSER CO MTN BE | COM NEW | 962166104 | BBG001S5XL11 | 240463 | 9700 | SH |  | SOLE |  | 0 | 0 | 9700 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 | BBG005YHYNG8 | 4999207 | 99447 | SH |  | SOLE |  | 0 | 0 | 99447 |
| WORKDAY INC | CL A | 98138H101 | BBG001T21KQ7 | 342077 | 1421 | SH |  | SOLE |  | 0 | 0 | 1421 |

---