# EDGAR Filing Document

**Accession Number:** 0001810720
**File Stem:** 0001667731-25-000777
**Filing Date:** 2025-7
**Character Count:** 23525
**Document Hash:** 0d0b7615422f6bc2452eafa07ea655e2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001667731-25-000777.hdr.sgml**: 20250710

**ACCESSION NUMBER**: 0001667731-25-000777

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250710

**DATE AS OF CHANGE**: 20250710

**EFFECTIVENESS DATE**: 20250710

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Charter Oak Capital Management, LLC
- **CENTRAL INDEX KEY:** 0001810720

**ORGANIZATION NAME:**
- **EIN:** 263694779
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20761
- **FILM NUMBER:** 251116140

**BUSINESS ADDRESS:**
- **STREET 1:** TWO INTERNATIONAL DRIVE, SUITE 325
- **CITY:** PORTSMOUTH
- **STATE:** NH
- **ZIP:** 03801
- **BUSINESS PHONE:** 8006465720

**MAIL ADDRESS:**
- **STREET 1:** TWO INTERNATIONAL DRIVE, SUITE 325
- **CITY:** PORTSMOUTH
- **STATE:** NH
- **ZIP:** 03801

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** Charter Oak Capital Management LLC<br>**Address:** Two International Drive Suite 325<br>Portsmouth, NH 03801

**Form 13F File Number:** 028-20761

**CRD Number (if applicable):** 000120870

**SEC File Number (if applicable):** 801-64808

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:** Jeffrey S. Troiano<br>**Title:** Managing Partner/CCO<br>**Phone:** 8006465720

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

/s/ Jeffrey S. Troiano  Kennebunk, ME  07-10-2025<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:** 197

**Form 13F Information Table Value Total:** $1183816654

      (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 |  | 292771 | 1923 | SH |  | SOLE |  | 1232 | 0 | 691 |
| ABBOTT LABS | COM | 002824100 |  | 569544 | 4188 | SH |  | SOLE |  | 3025 | 0 | 1163 |
| ABBVIE INC | COM | 00287Y109 |  | 1609481 | 8671 | SH |  | SOLE |  | 6646 | 0 | 2025 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 287064 | 2023 | SH |  | SOLE |  | 731 | 0 | 1292 |
| AFLAC INC | COM | 001055102 |  | 324675 | 3079 | SH |  | SOLE |  | 1829 | 0 | 1250 |
| ALLSTATE CORP | COM | 020002101 |  | 413189 | 2053 | SH |  | SOLE |  | 597 | 0 | 1456 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 765254 | 4342 | SH |  | SOLE |  | 1785 | 0 | 2557 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 980196 | 5526 | SH |  | SOLE |  | 1554 | 0 | 3972 |
| AMAZON COM INC | COM | 023135106 |  | 1694250 | 7723 | SH |  | SOLE |  | 2651 | 0 | 5072 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 208014 | 652 | SH |  | SOLE |  | 80 | 0 | 572 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 718070 | 1345 | SH |  | SOLE |  | 1148 | 0 | 197 |
| AMGEN INC | COM | 031162100 |  | 231139 | 828 | SH |  | SOLE |  | 389 | 0 | 439 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 255960 | 2592 | SH |  | SOLE |  | 664 | 0 | 1928 |
| ANALOG DEVICES INC | COM | 032654105 |  | 3909795 | 16426 | SH |  | SOLE |  | 0 | 0 | 16426 |
| APPLE INC | COM | 037833100 |  | 15676195 | 76406 | SH |  | SOLE |  | 35110 | 0 | 41296 |
| APPLIED MATLS INC | COM | 038222105 |  | 893643 | 4881 | SH |  | SOLE |  | 4819 | 0 | 62 |
| AT INC | COM | 00206R102 |  | 433236 | 14970 | SH |  | SOLE |  | 13166 | 0 | 1804 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 394444 | 1279 | SH |  | SOLE |  | 114 | 0 | 1165 |
| BANK AMERICA CORP | COM | 060505104 |  | 287263 | 6071 | SH |  | SOLE |  | 4636 | 0 | 1435 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1276360 | 2627 | SH |  | SOLE |  | 1126 | 0 | 1501 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 732045 | 1507 | SH |  | SOLE |  | 0 | 0 | 1507 |
| BLACKROCK INC | COM | 09290D101 |  | 339875 | 324 | SH |  | SOLE |  | 25 | 0 | 299 |
| BOEING CO | COM | 097023105 |  | 379683 | 1812 | SH |  | SOLE |  | 679 | 0 | 1133 |
| BROADCOM INC | COM | 11135F101 |  | 1185961 | 4302 | SH |  | SOLE |  | 380 | 0 | 3922 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 317780 | 1494 | SH |  | SOLE |  | 119 | 0 | 1375 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 281533 | 3847 | SH |  | SOLE |  | 2252 | 0 | 1595 |
| CATERPILLAR INC | COM | 149123101 |  | 613880 | 1581 | SH |  | SOLE |  | 875 | 0 | 706 |
| CHEVRON CORP NEW | COM | 166764100 |  | 546785 | 3819 | SH |  | SOLE |  | 2601 | 0 | 1218 |
| CISCO SYS INC | COM | 17275R102 |  | 544482 | 7848 | SH |  | SOLE |  | 6100 | 0 | 1748 |
| COCA COLA CO | COM | 191216100 |  | 511192 | 7225 | SH |  | SOLE |  | 4996 | 0 | 2229 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 205298 | 5752 | SH |  | SOLE |  | 2272 | 0 | 3480 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 253512 | 256 | SH |  | SOLE |  | 98 | 0 | 158 |
| DEERE  CO | COM | 244199105 |  | 897078 | 1764 | SH |  | SOLE |  | 1257 | 0 | 507 |
| DIREXION SHS ETF TR | DRX S | 25459W862 |  | 2162344 | 12461 | SH |  | SOLE |  | 4487 | 0 | 7974 |
| DISNEY WALT CO | COM | 254687106 |  | 356154 | 2872 | SH |  | SOLE |  | 1740 | 0 | 1132 |
| ELI LILLY  CO | COM | 532457108 |  | 1012969 | 1299 | SH |  | SOLE |  | 512 | 0 | 787 |
| EMERSON ELEC CO | COM | 291011104 |  | 229089 | 1718 | SH |  | SOLE |  | 1355 | 0 | 363 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 264310 | 8523 | SH |  | SOLE |  | 5527 | 0 | 2996 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1587066 | 14722 | SH |  | SOLE |  | 4843 | 0 | 9879 |
| FIDELITY COMWLTH TR | NASDAQ COMPSIT | 315912808 |  | 426742 | 5328 | SH |  | SOLE |  | 3422 | 0 | 1906 |
| FIDELITY COVINGTON TRUST | MSCI CONSM DIS | 316092204 |  | 648194 | 6891 | SH |  | SOLE |  | 1718 | 0 | 5173 |
| FIDELITY COVINGTON TRUST | MSCI ENERGY IDX | 316092402 |  | 327494 | 13966 | SH |  | SOLE |  | 4540 | 0 | 9426 |
| FIDELITY COVINGTON TRUST | MSCI COMMNTN SVC | 316092873 |  | 406035 | 6265 | SH |  | SOLE |  | 2821 | 0 | 3444 |
| FIDELITY COVINGTON TRUST | MSCI HLTH CARE I | 316092600 |  | 1083892 | 16949 | SH |  | SOLE |  | 10468 | 0 | 6481 |
| FIDELITY COVINGTON TRUST | MSCI INFO TECH I | 316092808 |  | 388388 | 1969 | SH |  | SOLE |  | 1122 | 0 | 847 |
| GE AEROSPACE | COM NEW | 369604301 |  | 367688 | 1429 | SH |  | SOLE |  | 966 | 0 | 463 |
| GENERAL MLS INC | COM | 370334104 |  | 240088 | 4634 | SH |  | SOLE |  | 3897 | 0 | 737 |
| GRANITESHARES ETF TR | 2X LONG NVDA DAI | 38747R827 |  | 211260 | 3000 | SH |  | SOLE |  | 0 | 0 | 3000 |
| HARTFORD INSURANCE GROUP INC | COM | 416515104 |  | 307552 | 2424 | SH |  | SOLE |  | 1605 | 0 | 819 |
| HOME DEPOT INC | COM | 437076102 |  | 916334 | 2499 | SH |  | SOLE |  | 1636 | 0 | 863 |
| HONEYWELL INTL INC | COM | 438516106 |  | 385883 | 1657 | SH |  | SOLE |  | 1271 | 0 | 386 |
| IDEXX LABS INC | COM | 45168D104 |  | 1586494 | 2958 | SH |  | SOLE |  | 2244 | 0 | 714 |
| INTEL CORP | COM | 458140100 |  | 504657 | 22529 | SH |  | SOLE |  | 19551 | 0 | 2978 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 711647 | 2414 | SH |  | SOLE |  | 1283 | 0 | 1131 |
| INTUIT | COM | 461202103 |  | 743523 | 944 | SH |  | SOLE |  | 23 | 0 | 921 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 242905 | 447 | SH |  | SOLE |  | 435 | 0 | 12 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 979398 | 1775 | SH |  | SOLE |  | 553 | 0 | 1222 |
| IRON MTN INC DEL | COM | 46284V101 |  | 300633 | 2931 | SH |  | SOLE |  | 2290 | 0 | 641 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 677265 | 11282 | SH |  | SOLE |  | 9845 | 0 | 1437 |
| ISHARES INC | MSCI CDA ETF | 464286509 |  | 458135 | 9916 | SH |  | SOLE |  | 9466 | 0 | 450 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 337479 | 6615 | SH |  | SOLE |  | 5631 | 0 | 984 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 1911951 | 16460 | SH |  | SOLE |  | 16405 | 0 | 55 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 400948 | 17448 | SH |  | SOLE |  | 15902 | 0 | 1546 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1464481 | 17543 | SH |  | SOLE |  | 10059 | 0 | 7484 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 325269 | 2956 | SH |  | SOLE |  | 2956 | 0 | 0 |
| ISHARES TR | GL CLEAN ENE ETF | 464288224 |  | 273670 | 20875 | SH |  | SOLE |  | 20803 | 0 | 72 |
| ISHARES TR | ESG MSCI LEADR | 46435U218 |  | 676104 | 6240 | SH |  | SOLE |  | 6240 | 0 | 0 |
| ISHARES TR | U.S. FIN SVC ETF | 464287770 |  | 520676 | 6083 | SH |  | SOLE |  | 0 | 0 | 6083 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 2283669 | 25596 | SH |  | SOLE |  | 23520 | 0 | 2076 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 5289524 | 27067 | SH |  | SOLE |  | 21149 | 0 | 5918 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 203890 | 2310 | SH |  | SOLE |  | 1846 | 0 | 464 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 2376860 | 28685 | SH |  | SOLE |  | 26221 | 0 | 2464 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 1809770 | 37200 | SH |  | SOLE |  | 30261 | 0 | 6939 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 |  | 3691635 | 39979 | SH |  | SOLE |  | 32595 | 0 | 7384 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 3635040 | 58031 | SH |  | SOLE |  | 48669 | 0 | 9362 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 619463 | 1459 | SH |  | SOLE |  | 695 | 0 | 764 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 2501632 | 60528 | SH |  | SOLE |  | 50664 | 0 | 9864 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 3214522 | 67617 | SH |  | SOLE |  | 53360 | 0 | 14257 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 1679614 | 72304 | SH |  | SOLE |  | 11299 | 0 | 61005 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 7990889 | 72578 | SH |  | SOLE |  | 66252 | 0 | 6326 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 9595729 | 75706 | SH |  | SOLE |  | 63879 | 0 | 11827 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 861379 | 6379 | SH |  | SOLE |  | 3296 | 0 | 3083 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 372212 | 7340 | SH |  | SOLE |  | 500 | 0 | 6840 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 10549488 | 82033 | SH |  | SOLE |  | 73713 | 0 | 8320 |
| ISHARES TR | CORE MSCI EURO | 46434V738 |  | 558927 | 8443 | SH |  | SOLE |  | 6892 | 0 | 1551 |
| ISHARES TR | RUSEL 2500 ETF | 46435G268 |  | 1035543 | 15278 | SH |  | SOLE |  | 11740 | 0 | 3538 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 928009 | 14963 | SH |  | SOLE |  | 10680 | 0 | 4283 |
| ISHARES TR | 0-5YR INVT GR CP | 46434V100 |  | 4170938 | 82446 | SH |  | SOLE |  | 75273 | 0 | 7173 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1108779 | 5138 | SH |  | SOLE |  | 2787 | 0 | 2351 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 8389514 | 88656 | SH |  | SOLE |  | 61965 | 0 | 26691 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 |  | 3356684 | 133360 | SH |  | SOLE |  | 87871 | 0 | 45489 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 247128 | 4837 | SH |  | SOLE |  | 4591 | 0 | 246 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 8563952 | 140531 | SH |  | SOLE |  | 123579 | 0 | 16952 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 13374900 | 253505 | SH |  | SOLE |  | 219626 | 0 | 33879 |
| ISHARES TR | US INDUSTRIALS | 464287754 |  | 672710 | 4727 | SH |  | SOLE |  | 2571 | 0 | 2156 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 249764 | 2262 | SH |  | SOLE |  | 2248 | 0 | 14 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 853675 | 4525 | SH |  | SOLE |  | 2805 | 0 | 1720 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 1517032 | 11212 | SH |  | SOLE |  | 10842 | 0 | 370 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 34518921 | 446500 | SH |  | SOLE |  | 371042 | 0 | 75458 |
| ISHARES TR | CORE S ETF | 464287200 |  | 325605142 | 524408 | SH |  | SOLE |  | 360047 | 0 | 164361 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 466468 | 4268 | SH |  | SOLE |  | 2805 | 0 | 1463 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 739628 | 3808 | SH |  | SOLE |  | 1583 | 0 | 2225 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 387196 | 3706 | SH |  | SOLE |  | 3653 | 0 | 53 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 169320146 | 1706856 | SH |  | SOLE |  | 1098988 | 0 | 607868 |
| ISHARES TR | U.S. FINLS ETF | 464287788 |  | 406675 | 3361 | SH |  | SOLE |  | 2536 | 0 | 825 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 68461501 | 1284697 | SH |  | SOLE |  | 755492 | 0 | 529205 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 1608583 | 9284 | SH |  | SOLE |  | 5154 | 0 | 4130 |
| ISHARES TR | ESG ADV TTL USD | 46436E619 |  | 665953 | 15292 | SH |  | SOLE |  | 6271 | 0 | 9021 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 |  | 324057 | 6342 | SH |  | SOLE |  | 6319 | 0 | 23 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1967365 | 12880 | SH |  | SOLE |  | 7964 | 0 | 4916 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 2625525 | 9056 | SH |  | SOLE |  | 5563 | 0 | 3493 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 208282 | 7084 | SH |  | SOLE |  | 5657 | 0 | 1427 |
| LOWES COS INC | COM | 548661107 |  | 331158 | 1493 | SH |  | SOLE |  | 1007 | 0 | 486 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 948074 | 1687 | SH |  | SOLE |  | 421 | 0 | 1266 |
| MCDONALDS CORP | COM | 580135101 |  | 793171 | 2715 | SH |  | SOLE |  | 1951 | 0 | 764 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 1521196 | 17451 | SH |  | SOLE |  | 16339 | 0 | 1112 |
| MERCK  CO INC | COM | 58933Y105 |  | 1087636 | 13740 | SH |  | SOLE |  | 7747 | 0 | 5993 |
| META PLATFORMS INC | CL A | 30303M102 |  | 495529 | 671 | SH |  | SOLE |  | 211 | 0 | 460 |
| MICROSOFT CORP | COM | 594918104 |  | 5291798 | 10639 | SH |  | SOLE |  | 5749 | 0 | 4890 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 2258539 | 16034 | SH |  | SOLE |  | 171 | 0 | 15863 |
| NETFLIX INC | COM | 64110L106 |  | 423194 | 316 | SH |  | SOLE |  | 239 | 0 | 77 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 873130 | 12577 | SH |  | SOLE |  | 8581 | 0 | 3996 |
| NUSHARES ETF TR | NUVEEN ESG EMRGN | 67092P888 |  | 237020 | 7137 | SH |  | SOLE |  | 0 | 0 | 7137 |
| NUSHARES ETF TR | NUVEEN ESG US | 67092P870 |  | 5402321 | 242692 | SH |  | SOLE |  | 222872 | 0 | 19820 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1620163 | 10255 | SH |  | SOLE |  | 2172 | 0 | 8083 |
| ORACLE CORP | COM | 68389X105 |  | 519879 | 2378 | SH |  | SOLE |  | 666 | 0 | 1712 |
| OTIS WORLDWIDE CORP | COM | 68902V107 |  | 264929 | 2676 | SH |  | SOLE |  | 1803 | 0 | 873 |
| PAYCHEX INC | COM | 704326107 |  | 205432 | 1412 | SH |  | SOLE |  | 1167 | 0 | 245 |
| PEPSICO INC | COM | 713448108 |  | 757882 | 5740 | SH |  | SOLE |  | 3604 | 0 | 2136 |
| PFIZER INC | COM | 717081103 |  | 258471 | 10663 | SH |  | SOLE |  | 8745 | 0 | 1918 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 236886 | 1301 | SH |  | SOLE |  | 433 | 0 | 868 |
| PIMCO ETF TR | 0-5 HIGH YIELD | 72201R783 |  | 637443 | 6709 | SH |  | SOLE |  | 6124 | 0 | 585 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1606653 | 10084 | SH |  | SOLE |  | 8254 | 0 | 1830 |
| PROSHARES TR | PSHS ULT S 500 | 74347R107 |  | 333910 | 3417 | SH |  | SOLE |  | 1500 | 0 | 1917 |
| QUALCOMM INC | COM | 747525103 |  | 530256 | 3329 | SH |  | SOLE |  | 3144 | 0 | 185 |
| REALTY INCOME CORP | COM | 756109104 |  | 264744 | 4595 | SH |  | SOLE |  | 2379 | 0 | 2216 |
| RTX CORPORATION | COM | 75513E101 |  | 1190111 | 8150 | SH |  | SOLE |  | 5079 | 0 | 3071 |
| SALESFORCE INC | COM | 79466L302 |  | 1784045 | 6542 | SH |  | SOLE |  | 1799 | 0 | 4743 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 435966 | 4017 | SH |  | SOLE |  | 3254 | 0 | 763 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 424929 | 1678 | SH |  | SOLE |  | 1381 | 0 | 297 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 394454 | 1815 | SH |  | SOLE |  | 1803 | 0 | 12 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 662952 | 12659 | SH |  | SOLE |  | 6894 | 0 | 5765 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 235642 | 2778 | SH |  | SOLE |  | 920 | 0 | 1858 |
| SI-BONE INC | COM | 825704109 |  | 451737 | 24003 | SH |  | SOLE |  | 0 | 0 | 24003 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 4256694 | 6890 | SH |  | SOLE |  | 4195 | 0 | 2695 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 |  | 205752 | 1516 | SH |  | SOLE |  | 902 | 0 | 614 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 560006 | 10298 | SH |  | SOLE |  | 8124 | 0 | 2174 |
| SPDR SERIES TRUST | PORTFLI INTRMDIT | 78464A672 |  | 428311 | 14887 | SH |  | SOLE |  | 0 | 0 | 14887 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 221329 | 977 | SH |  | SOLE |  | 921 | 0 | 56 |
| TE CONNECTIVITY PLC | ORD SHS | G87052109 |  | 1275608 | 7563 | SH |  | SOLE |  | 7222 | 0 | 341 |
| TESLA INC | COM | 88160R101 |  | 680970 | 2144 | SH |  | SOLE |  | 147 | 0 | 1997 |
| TEXAS INSTRS INC | COM | 882508104 |  | 1785711 | 8601 | SH |  | SOLE |  | 0 | 0 | 8601 |
| TEXTRON INC | COM | 883203101 |  | 342277 | 4263 | SH |  | SOLE |  | 0 | 0 | 4263 |
| THE CIGNA GROUP | COM | 125523100 |  | 309423 | 936 | SH |  | SOLE |  | 641 | 0 | 295 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 802532 | 1979 | SH |  | SOLE |  | 448 | 0 | 1531 |
| TJX COS INC NEW | COM | 872540109 |  | 411960 | 3336 | SH |  | SOLE |  | 677 | 0 | 2659 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 396108 | 1270 | SH |  | SOLE |  | 497 | 0 | 773 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 276092 | 990 | SH |  | SOLE |  | 0 | 0 | 990 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 9311539 | 126464 | SH |  | SOLE |  | 106273 | 0 | 20191 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 69301877 | 880583 | SH |  | SOLE |  | 573081 | 0 | 307502 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 955765 | 4033 | SH |  | SOLE |  | 905 | 0 | 3128 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 4459113 | 10171 | SH |  | SOLE |  | 6269 | 0 | 3902 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 4186338 | 23686 | SH |  | SOLE |  | 11737 | 0 | 11949 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 517535 | 1814 | SH |  | SOLE |  | 632 | 0 | 1182 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 287519 | 3228 | SH |  | SOLE |  | 1752 | 0 | 1476 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 28606180 | 50360 | SH |  | SOLE |  | 39393 | 0 | 10967 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 72184165 | 374574 | SH |  | SOLE |  | 250324 | 0 | 124250 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 3810381 | 12537 | SH |  | SOLE |  | 7281 | 0 | 5256 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 36809382 | 547596 | SH |  | SOLE |  | 431410 | 0 | 116186 |
| VANGUARD INTL EQUITY INDEX F | FTSE PACIFIC ETF | 922042866 |  | 1584376 | 19279 | SH |  | SOLE |  | 17610 | 0 | 1669 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 2772657 | 35776 | SH |  | SOLE |  | 28798 | 0 | 6978 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1234317 | 24956 | SH |  | SOLE |  | 20585 | 0 | 4371 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 1181876 | 9196 | SH |  | SOLE |  | 8304 | 0 | 892 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 337149 | 4066 | SH |  | SOLE |  | 2224 | 0 | 1842 |
| VANGUARD SCOTTSDALE FDS | TOTAL WLD BD ETF | 92206C565 |  | 322380 | 4650 | SH |  | SOLE |  | 4232 | 0 | 418 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 447694 | 5631 | SH |  | SOLE |  | 1959 | 0 | 3672 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 3649686 | 17832 | SH |  | SOLE |  | 10739 | 0 | 7093 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 96302957 | 1393877 | SH |  | SOLE |  | 703763 | 0 | 690114 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 3102244 | 54416 | SH |  | SOLE |  | 41941 | 0 | 12475 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 1792338 | 13445 | SH |  | SOLE |  | 4767 | 0 | 8678 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 577816 | 7213 | SH |  | SOLE |  | 800 | 0 | 6413 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 |  | 273857 | 4319 | SH |  | SOLE |  | 912 | 0 | 3407 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 1307171 | 5264 | SH |  | SOLE |  | 3209 | 0 | 2055 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 1135122 | 6431 | SH |  | SOLE |  | 4286 | 0 | 2145 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 5963672 | 54393 | SH |  | SOLE |  | 37580 | 0 | 16813 |
| VANGUARD WORLD FD | INDUSTRIAL ETF | 92204A603 |  | 265507 | 948 | SH |  | SOLE |  | 482 | 0 | 466 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 9746182 | 148797 | SH |  | SOLE |  | 109037 | 0 | 39760 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 1195531 | 1802 | SH |  | SOLE |  | 643 | 0 | 1159 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 |  | 401511 | 1833 | SH |  | SOLE |  | 86 | 0 | 1747 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 331530 | 7662 | SH |  | SOLE |  | 3765 | 0 | 3897 |
| VERU INC | COM | 92536C103 |  | 11636 | 20000 | SH |  | SOLE |  | 0 | 0 | 20000 |
| VISA INC | COM CL A | 92826C839 |  | 1010682 | 2847 | SH |  | SOLE |  | 524 | 0 | 2323 |
| WALMART INC | COM | 931142103 |  | 905732 | 9263 | SH |  | SOLE |  | 3124 | 0 | 6139 |
| WATSCO INC | COM | 942622200 |  | 1126131 | 2550 | SH |  | SOLE |  | 2500 | 0 | 50 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 299434 | 3576 | SH |  | SOLE |  | 1876 | 0 | 1700 |
| YUM BRANDS INC | COM | 988498101 |  | 840519 | 5672 | SH |  | SOLE |  | 4645 | 0 | 1027 |
| YUM CHINA HLDGS INC | COM | 98850P109 |  | 360453 | 8062 | SH |  | SOLE |  | 8062 | 0 | 0 |

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