# EDGAR Filing Document

**Accession Number:** 0001595509
**File Stem:** 0001595509-26-000003
**Filing Date:** 2026-4
**Character Count:** 26850
**Document Hash:** d9d058a53c897e416d1ad97a2da47030
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001595509-26-000003.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0001595509-26-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260427

**DATE AS OF CHANGE**: 20260427

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** IRON Financial LLC
- **CENTRAL INDEX KEY:** 0001595509

**ORGANIZATION NAME:**
- **EIN:** 262409128
- **STATE OF INCORPORATION:** IL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-15674
- **FILM NUMBER:** 26901965

**BUSINESS ADDRESS:**
- **STREET 1:** 630 DUNDEE ROAD
- **STREET 2:** SUITE 300
- **CITY:** NORTHBROOK
- **STATE:** IL
- **ZIP:** 60062
- **BUSINESS PHONE:** 847-715-3200

**MAIL ADDRESS:**
- **STREET 1:** 630 DUNDEE ROAD
- **STREET 2:** SUITE 300
- **CITY:** NORTHBROOK
- **STATE:** IL
- **ZIP:** 60062

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** IRON Financial, LLC
- **DATE OF NAME CHANGE:** 20211101

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Iron Financial, LLC
- **DATE OF NAME CHANGE:** 20131230

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** IRON Financial LLC<br>**Address:** 630 DUNDEE ROAD<br>SUITE 300<br>NORTHBROOK, IL 60062

**Form 13F File Number:** 028-15674

**CRD Number (if applicable):** 000106682

**SEC File Number (if applicable):** 801-46417

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:** Timothy Ziemba<br>**Title:** Chief Compliance Officer<br>**Phone:** 8477153200

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

Timothy Ziemba  Lincolnshire, IL  04-27-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 217

**Form 13F Information Table Value Total:** $228836757

      (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 LABORATORIES | COM | 002824100 |  | 216340 | 2107 | SH |  | SOLE |  | 0 | 0 | 2107 |
| ABBOTT LABORATORIES | COM | 002824100 |  | 30288 | 295 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 295 |
| ABBVIE INC | COM | 00287Y109 |  | 555959 | 2556 | SH |  | SOLE |  | 0 | 0 | 2556 |
| ABBVIE INC | COM | 00287Y109 |  | 114835 | 528 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 528 |
| AMAZON COM INC | COM | 023135106 |  | 2743125 | 13171 | SH |  | SOLE |  | 0 | 0 | 13171 |
| AMAZON COM INC | COM | 023135106 |  | 161618 | 776 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 776 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 240250 | 794 | SH |  | SOLE |  | 0 | 0 | 794 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 13007 | 43 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 43 |
| APA CORPORATION | COM | 03743Q108 |  | 288126 | 6789 | SH |  | SOLE |  | 0 | 0 | 6789 |
| APPLE INC | COM | 037833100 |  | 15751969 | 62067 | SH |  | SOLE |  | 0 | 0 | 62067 |
| APPLE INC | COM | 037833100 |  | 365712 | 1441 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 1441 |
| ARCHER DANIELS MIDLAND CO | COM | 039483102 |  | 266482 | 3666 | SH |  | SOLE |  | 0 | 0 | 3666 |
| ARCHER DANIELS MIDLAND CO | COM | 039483102 |  | 3998 | 55 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 55 |
| AT INC | COM | 00206R102 |  | 277763 | 9581 | SH |  | SOLE |  | 0 | 0 | 9581 |
| AT INC | COM | 00206R102 |  | 91522 | 3157 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 3157 |
| AUTODESK INC | COM | 052769106 |  | 918099 | 3835 | SH |  | SOLE |  | 0 | 0 | 3835 |
| AUTODESK INC | COM | 052769106 |  | 3113 | 13 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 13 |
| BLACKSTONE INC | COM | 09260D107 |  | 342395 | 2978 | SH |  | SOLE |  | 0 | 0 | 2978 |
| BLACKSTONE INC | COM | 09260D107 |  | 460 | 4 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 4 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 216896 | 3576 | SH |  | SOLE |  | 0 | 0 | 3576 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 6975 | 115 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 115 |
| BROADCOM INC | COM | 11135F101 |  | 269934 | 872 | SH |  | SOLE |  | 0 | 0 | 872 |
| BROADCOM INC | COM | 11135F101 |  | 124733 | 403 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 403 |
| CARDINAL HEALTH INC | COM | 14149Y108 |  | 667317 | 3158 | SH |  | SOLE |  | 0 | 0 | 3158 |
| CARDINAL HEALTH INC | COM | 14149Y108 |  | 2959 | 14 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 14 |
| CATERPILLAR INC | COM | 149123101 |  | 238043 | 336 | SH |  | SOLE |  | 0 | 0 | 336 |
| CATERPILLAR INC | COM | 149123101 |  | 29756 | 42 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 42 |
| CBOE GLOBAL MKTS INC | COM | 12503M108 |  | 2914352 | 10369 | SH |  | SOLE |  | 0 | 0 | 10369 |
| CBOE GLOBAL MKTS INC | COM | 12503M108 |  | 1968 | 7 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 7 |
| CF INDUSTRIES HOLD | COM | 125269100 |  | 285129 | 2196 | SH |  | SOLE |  | 0 | 0 | 2196 |
| CF INDUSTRIES HOLD | COM | 125269100 |  | 3246 | 25 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 25 |
| CHEVRON CORPORATION | COM | 166764100 |  | 269384 | 1302 | SH |  | SOLE |  | 0 | 0 | 1302 |
| CHEVRON CORPORATION | COM | 166764100 |  | 34139 | 165 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 165 |
| CME GROUP INC | COM | 12572Q105 |  | 17215742 | 58289 | SH |  | SOLE |  | 0 | 0 | 58289 |
| CME GROUP INC | COM | 12572Q105 |  | 5612 | 19 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 19 |
| COCA COLA CO | COM | 191216100 |  | 260769 | 3429 | SH |  | SOLE |  | 0 | 0 | 3429 |
| COCA COLA CO | COM | 191216100 |  | 25553 | 336 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 336 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 715220 | 5418 | SH |  | SOLE |  | 0 | 0 | 5418 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 9108 | 69 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 69 |
| DIAMONDBACK ENERGY INC | COM | 25278X109 |  | 354620 | 1793 | SH |  | SOLE |  | 0 | 0 | 1793 |
| DIAMONDBACK ENERGY INC | COM | 25278X109 |  | 3561 | 18 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 18 |
| DNP SELECT INCOME FD INC | COM | 23325P104 |  | 186807 | 18137 | SH |  | SOLE |  | 0 | 0 | 18137 |
| DOLLAR GEN CORP | COM | 256677105 |  | 709768 | 5978 | SH |  | SOLE |  | 0 | 0 | 5978 |
| DOLLAR GEN CORP | COM | 256677105 |  | 3325 | 28 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 28 |
| DOW HLDGS INC | COM | 260557103 |  | 311585 | 7481 | SH |  | SOLE |  | 0 | 0 | 7481 |
| DOW HLDGS INC | COM | 260557103 |  | 4624 | 111 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 111 |
| EDISON INTL | COM | 281020107 |  | 228395 | 3121 | SH |  | SOLE |  | 0 | 0 | 3121 |
| EDISON INTL | COM | 281020107 |  | 3294 | 45 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 45 |
| EXPAND ENERGY CORPORATION | COM | 165167735 |  | 911943 | 8307 | SH |  | SOLE |  | 0 | 0 | 8307 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1338483 | 7889 | SH |  | SOLE |  | 0 | 0 | 7889 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 66847 | 394 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 394 |
| FIRSTENERGY CORP | COM | 337932107 |  | 856965 | 16916 | SH |  | SOLE |  | 0 | 0 | 16916 |
| FIRSTENERGY CORP | COM | 337932107 |  | 2382 | 47 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 47 |
| FORD MTR CO | COM | 345370860 |  | 305902 | 26508 | SH |  | SOLE |  | 0 | 0 | 26508 |
| FORD MTR CO | COM | 345370860 |  | 4478 | 388 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 388 |
| FRANKLIN RESOURCES INC | COM | 354613101 |  | 222808 | 9433 | SH |  | SOLE |  | 0 | 0 | 9433 |
| FRANKLIN RESOURCES INC | COM | 354613101 |  | 662 | 28 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 28 |
| HEALTHPEAK PROPERTIES INC | COM | 42250P103 |  | 201399 | 12258 | SH |  | SOLE |  | 0 | 0 | 12258 |
| HEALTHPEAK PROPERTIES INC | COM | 42250P103 |  | 493 | 30 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 30 |
| HOME DEPOT INC | COM | 437076102 |  | 241899 | 736 | SH |  | SOLE |  | 0 | 0 | 736 |
| HOME DEPOT INC | COM | 437076102 |  | 22365 | 68 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 68 |
| HUNTINGTON INGALLS INDS INC | COM | 446413106 |  | 210845 | 555 | SH |  | SOLE |  | 0 | 0 | 555 |
| HUNTINGTON INGALLS INDS INC | COM | 446413106 |  | 3420 | 9 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 9 |
| INTEL CORP | COM | 458140100 |  | 545006 | 12350 | SH |  | SOLE |  | 0 | 0 | 12350 |
| INTEL CORP | COM | 458140100 |  | 14254 | 323 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 323 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 225459 | 930 | SH |  | SOLE |  | 0 | 0 | 930 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 4848 | 20 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 20 |
| INVITATION HOMES INC | COM | 46187W107 |  | 211250 | 8501 | SH |  | SOLE |  | 0 | 0 | 8501 |
| INVITATION HOMES INC | COM | 46187W107 |  | 1566 | 63 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 63 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1366492 | 5590 | SH |  | SOLE |  | 0 | 0 | 5590 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 59644 | 244 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 244 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 2625154 | 8924 | SH |  | SOLE |  | 0 | 0 | 8924 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 82071 | 279 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 279 |
| KIMCO REALTY CORP | COM | 49446R109 |  | 216139 | 9619 | SH |  | SOLE |  | 0 | 0 | 9619 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 226663 | 6760 | SH |  | SOLE |  | 0 | 0 | 6760 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 638 | 19 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 19 |
| KRAFT HEINZ CO | COM | 500754106 |  | 831366 | 36966 | SH |  | SOLE |  | 0 | 0 | 36966 |
| KRAFT HEINZ CO | COM | 500754106 |  | 495 | 22 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 22 |
| LAMB WESTON HLDGS INC | COM | 513272104 |  | 212822 | 5036 | SH |  | SOLE |  | 0 | 0 | 5036 |
| MCDONALDS CORP | COM | 580135101 |  | 254377 | 818 | SH |  | SOLE |  | 0 | 0 | 818 |
| MCDONALDS CORP | COM | 580135101 |  | 20513 | 66 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 66 |
| MERCK  CO INC | COM | 58933Y105 |  | 165936 | 1379 | SH |  | SOLE |  | 0 | 0 | 1379 |
| MERCK  CO INC | COM | 58933Y105 |  | 45350 | 377 | SH |  | OTR | Brandes Investment Partners LPVanguard Personalized Indexing | 0 | 0 | 377 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 381084 | 1128 | SH |  | SOLE |  | 0 | 0 | 1128 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 40879 | 121 | SH |  | OTR | Brandes Investment Partners LPVanguard Personalized Indexing | 0 | 0 | 121 |
| MICROSOFT CORP | COM | 594918104 |  | 2308411 | 6236 | SH |  | SOLE |  | 0 | 0 | 6236 |
| MICROSOFT CORP | COM | 594918104 |  | 210997 | 570 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 570 |
| MID-AMER APT CMNTYS INC | COM | 59522J103 |  | 206448 | 1691 | SH |  | SOLE |  | 0 | 0 | 1691 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2779350 | 15937 | SH |  | SOLE |  | 0 | 0 | 15937 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 385599 | 2211 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 2211 |
| OCCIDENTAL PETE CORP | COM | 674599105 |  | 1075815 | 16551 | SH |  | SOLE |  | 0 | 0 | 16551 |
| OCCIDENTAL PETE CORP | COM | 674599105 |  | 10660 | 164 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 164 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 865444 | 5234 | SH |  | SOLE |  | 0 | 0 | 5234 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 7937 | 48 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 48 |
| PRICE T ROWE GROUP INC | COM | 74144T108 |  | 222046 | 2463 | SH |  | SOLE |  | 0 | 0 | 2463 |
| PRICE T ROWE GROUP INC | COM | 74144T108 |  | 3039 | 34 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 34 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 887397 | 6144 | SH |  | SOLE |  | 0 | 0 | 6144 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 11267 | 78 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 78 |
| PROLOGIS INC. | COM | 74340W103 |  | 198006 | 1498 | SH |  | SOLE |  | 0 | 0 | 1498 |
| PROLOGIS INC. | COM | 74340W103 |  | 12822 | 97 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 97 |
| REALTY INCOME CORP | COM | 756109104 |  | 220310 | 3601 | SH |  | SOLE |  | 0 | 0 | 3601 |
| REALTY INCOME CORP | COM | 756109104 |  | 3671 | 60 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 60 |
| REGENCY CTRS CORP | COM | 758849103 |  | 283952 | 3753 | SH |  | SOLE |  | 0 | 0 | 3753 |
| REGENCY CTRS CORP | COM | 758849103 |  | 1665 | 22 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 22 |
| TESLA INC | COM | 88160R101 |  | 643128 | 1730 | SH |  | SOLE |  | 0 | 0 | 1730 |
| TESLA INC | COM | 88160R101 |  | 87733 | 236 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 236 |
| TEXAS PACIFIC LAND CORPORATI | COM | 88262P102 |  | 200265 | 422 | SH |  | SOLE |  | 0 | 0 | 422 |
| TEXAS PACIFIC LAND CORPORATI | COM | 88262P102 |  | 2373 | 5 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 5 |
| THE CAMPBELLS COMPANY | COM | 134429109 |  | 748807 | 33624 | SH |  | SOLE |  | 0 | 0 | 33624 |
| THE CAMPBELLS COMPANY | COM | 134429109 |  | 824 | 37 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 37 |
| TJX COS INC NEW | COM | 872540109 |  | 921370 | 5769 | SH |  | SOLE |  | 0 | 0 | 5769 |
| TJX COS INC NEW | COM | 872540109 |  | 21879 | 137 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 137 |
| UDR INC | COM | 902653104 |  | 213760 | 6328 | SH |  | SOLE |  | 0 | 0 | 6328 |
| UDR INC | COM | 902653104 |  | 507 | 15 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 15 |
| WALMART INC | COM | 931142103 |  | 1251956 | 10074 | SH |  | SOLE |  | 0 | 0 | 10074 |
| WALMART INC | COM | 931142103 |  | 54808 | 441 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 441 |
| WOODWARD INC | COM | 980745103 |  | 592000 | 1654 | SH |  | SOLE |  | 0 | 0 | 1654 |
| WOODWARD INC | COM | 980745103 |  | 716 | 2 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 2 |
| ALLEGION PLC | ORD SHS | G0176J109 |  | 582 | 4 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 4 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 279796 | 973 | SH |  | OTR | Brandes Investment Partners LPVanguard Personalized Indexing | 0 | 0 | 973 |
| AMBEV SA | SPONSORED ADR | 02319V103 |  | 52158 | 17862 | SH |  | OTR | Brandes Investment Partners LP | 0 | 0 | 17862 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 64692 | 135 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 135 |
| CIENA CORP | COM NEW | 171779309 |  | 8930 | 23 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 23 |
| CONSTELLATION BRANDS INC | CL A | 21036P108 |  | 3600 | 24 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 24 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 49192 | 126 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 126 |
| DATADOG INC | CL A COM | 23804L103 |  | 4841 | 41 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 41 |
| EQUITY RESIDENTIAL | SH BEN INT | 29476L107 |  | 533 | 9 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 9 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 92349 | 160 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 160 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 51168 | 120 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 120 |
| LYONDELLBASELL INDUSTRIES NV | SHS - A - | N53745100 |  | 2417 | 30 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 30 |
| META PLATFORMS INC | CL A | 30303M102 |  | 101268 | 177 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 177 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 16622 | 101 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 101 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 28233 | 193 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 193 |
| TAIWAN SEMICONDUCTOR MANUFAC | SPONSORED ADS | 874039100 |  | 43934 | 130 | SH |  | OTR | Brandes Investment Partners LPVanguard Personalized Indexing | 0 | 0 | 130 |
| VISA INC | COM CL A | 92826C839 |  | 32340 | 107 | SH |  | OTR | Vanguard Personalized Indexing | 0 | 0 | 107 |
| ADVISORSHARES TR | ADVISORSHS ETF | 00768Y560 |  | 259047 | 4000 | SH |  | SOLE |  | 0 | 0 | 4000 |
| ALLEGION PLC | ORD SHS | G0176J109 |  | 199484 | 1373 | SH |  | SOLE |  | 0 | 0 | 1373 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 873119 | 3036 | SH |  | SOLE |  | 0 | 0 | 3036 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 561293 | 1957 | SH |  | SOLE |  | 0 | 0 | 1957 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 718800 | 1500 | SH |  | SOLE |  | 0 | 0 | 1500 |
| CIENA CORP | COM NEW | 171779309 |  | 1007069 | 2594 | SH |  | SOLE |  | 0 | 0 | 2594 |
| CONSTELLATION BRANDS INC | CL A | 21036P108 |  | 703050 | 4687 | SH |  | SOLE |  | 0 | 0 | 4687 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 922149 | 2362 | SH |  | SOLE |  | 0 | 0 | 2362 |
| DATADOG INC | CL A COM | 23804L103 |  | 238461 | 2020 | SH |  | SOLE |  | 0 | 0 | 2020 |
| DIREXION SHARES ETF TRUST | AUSPCE CMD STG | 25460E307 |  | 290238 | 8646 | SH |  | SOLE |  | 0 | 0 | 8646 |
| EQUITY RESIDENTIAL | SH BEN INT | 29476L107 |  | 220926 | 3735 | SH |  | SOLE |  | 0 | 0 | 3735 |
| ERIE INDTY CO | CL A | 29530P102 |  | 784842 | 3123 | SH |  | SOLE |  | 0 | 0 | 3123 |
| ETFS GOLD TR | PHYSCL GOLD SHS | 00326A104 |  | 243507 | 5457 | SH |  | SOLE |  | 0 | 0 | 5457 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 1800409 | 39465 | SH |  | SOLE |  | 0 | 0 | 39465 |
| FRANKLIN TEMPLETON ETF TR | INTL COR DIV TIL | 35473P108 |  | 768529 | 19305 | SH |  | SOLE |  | 0 | 0 | 19305 |
| HARTFORD FDS EXCHANGE TRADED | TOTAL RTRN ETF | 41653L305 |  | 8305132 | 246151 | SH |  | SOLE |  | 0 | 0 | 246151 |
| HYPERSCALE DATA INC | COM SHS | 09175M804 |  | 2256 | 15000 | SH |  | SOLE |  | 0 | 0 | 15000 |
| INVESCO EXCH TRADED FD TR II | INTL BUYBACK | 46138E644 |  | 312618 | 5556 | SH |  | SOLE |  | 0 | 0 | 5556 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 244712 | 1030 | SH |  | SOLE |  | 0 | 0 | 1030 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 26 | 46138J635 |  | 521622 | 22508 | SH |  | SOLE |  | 0 | 0 | 22508 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 951124 | 1648 | SH |  | SOLE |  | 0 | 0 | 1648 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 521014 | 13561 | SH |  | SOLE |  | 0 | 0 | 13561 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 |  | 371608 | 5741 | SH |  | SOLE |  | 0 | 0 | 5741 |
| ISHARES INC | MSCI GBL MIN VOL | 464286525 |  | 5789910 | 48447 | SH |  | SOLE |  | 0 | 0 | 48447 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 233993 | 3434 | SH |  | SOLE |  | 0 | 0 | 3434 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 347781 | 3455 | SH |  | SOLE |  | 0 | 0 | 3455 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 274569 | 7453 | SH |  | SOLE |  | 0 | 0 | 7453 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 16019542 | 330572 | SH |  | SOLE |  | 0 | 0 | 330572 |
| ISHARES TR | CORE DIVID ETF | 46435U861 |  | 1739847 | 32249 | SH |  | SOLE |  | 0 | 0 | 32249 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 296853 | 2388 | SH |  | SOLE |  | 0 | 0 | 2388 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 224224 | 3788 | SH |  | SOLE |  | 0 | 0 | 3788 |
| ISHARES TR | IBONDS DEC2026 | 46435GAA0 |  | 3728439 | 153813 | SH |  | SOLE |  | 0 | 0 | 153813 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 227802 | 2345 | SH |  | SOLE |  | 0 | 0 | 2345 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 816802 | 17668 | SH |  | SOLE |  | 0 | 0 | 17668 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 1042215 | 11238 | SH |  | SOLE |  | 0 | 0 | 11238 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 470320 | 1103 | SH |  | SOLE |  | 0 | 0 | 1103 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 398966 | 3114 | SH |  | SOLE |  | 0 | 0 | 3114 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 600255 | 3964 | SH |  | SOLE |  | 0 | 0 | 3964 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 5046214 | 99688 | SH |  | SOLE |  | 0 | 0 | 99688 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 303541 | 13249 | SH |  | SOLE |  | 0 | 0 | 13249 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 |  | 3535868 | 69556 | SH |  | SOLE |  | 0 | 0 | 69556 |
| J P MORGAN EXCHANGE TRADED F | JPMORGAM LTD DUR | 46654Q773 |  | 1348292 | 25834 | SH |  | SOLE |  | 0 | 0 | 25834 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 1414754 | 27954 | SH |  | SOLE |  | 0 | 0 | 27954 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 1075445 | 17538 | SH |  | SOLE |  | 0 | 0 | 17538 |
| LYONDELLBASELL INDUSTRIES NV | SHS - A - | N53745100 |  | 298072 | 3700 | SH |  | SOLE |  | 0 | 0 | 3700 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1081050 | 1890 | SH |  | SOLE |  | 0 | 0 | 1890 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 185109 | 1125 | SH |  | SOLE |  | 0 | 0 | 1125 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 284515 | 1945 | SH |  | SOLE |  | 0 | 0 | 1945 |
| PGIM ETF TR | PGIM ULTRA SH BD | 69344A107 |  | 5826676 | 117711 | SH |  | SOLE |  | 0 | 0 | 117711 |
| PIMCO ETF TR | 1-5 US TIP IDX | 72201R205 |  | 297978 | 5507 | SH |  | SOLE |  | 0 | 0 | 5507 |
| PIMCO ETF TR | 15+ YR US TIPS | 72201R304 |  | 774055 | 15169 | SH |  | SOLE |  | 0 | 0 | 15169 |
| PUTNAM ETF TRUST | FRANKLIN SHT TRM | 746729730 |  | 2848808 | 287616 | SH |  | SOLE |  | 0 | 0 | 287616 |
| SCHWAB STRATEGIC TR | INTERNL DIVID | 808524672 |  | 9824984 | 310328 | SH |  | SOLE |  | 0 | 0 | 310328 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 323865 | 13085 | SH |  | SOLE |  | 0 | 0 | 13085 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 588376 | 23441 | SH |  | SOLE |  | 0 | 0 | 23441 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 5305722 | 172937 | SH |  | SOLE |  | 0 | 0 | 172937 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 5149031 | 193500 | SH |  | SOLE |  | 0 | 0 | 193500 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 349826 | 813 | SH |  | SOLE |  | 0 | 0 | 813 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X889 |  | 1999774 | 43807 | SH |  | SOLE |  | 0 | 0 | 43807 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X434 |  | 220377 | 2363 | SH |  | SOLE |  | 0 | 0 | 2363 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X533 |  | 805912 | 20413 | SH |  | SOLE |  | 0 | 0 | 20413 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X509 |  | 1419516 | 30260 | SH |  | SOLE |  | 0 | 0 | 30260 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A474 |  | 3613043 | 120154 | SH |  | SOLE |  | 0 | 0 | 120154 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A805 |  | 10184135 | 128815 | SH |  | SOLE |  | 0 | 0 | 128815 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 8423383 | 12952 | SH |  | SOLE |  | 0 | 0 | 12952 |
| TAIWAN SEMICONDUCTOR MANUFAC | SPONSORED ADS | 874039100 |  | 201757 | 597 | SH |  | SOLE |  | 0 | 0 | 597 |
| VANECK BITCOIN ETF | SH BEN INT | 92189K105 |  | 472850 | 24679 | SH |  | SOLE |  | 0 | 0 | 24679 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 3270529 | 33821 | SH |  | SOLE |  | 0 | 0 | 33821 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 633495 | 5541 | SH |  | SOLE |  | 0 | 0 | 5541 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 347916 | 797 | SH |  | SOLE |  | 0 | 0 | 797 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 11456668 | 35712 | SH |  | SOLE |  | 0 | 0 | 35712 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 634119 | 3232 | SH |  | SOLE |  | 0 | 0 | 3232 |
| VANGUARD MUN BD FDS | SHORT TAX EXEMPT | 922907696 |  | 3453047 | 45262 | SH |  | SOLE |  | 0 | 0 | 45262 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 366907 | 7354 | SH |  | SOLE |  | 0 | 0 | 7354 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 2600609 | 43671 | SH |  | SOLE |  | 0 | 0 | 43671 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 271834 | 3285 | SH |  | SOLE |  | 0 | 0 | 3285 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1982027 | 9216 | SH |  | SOLE |  | 0 | 0 | 9216 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 1640207 | 21271 | SH |  | SOLE |  | 0 | 0 | 21271 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 328323 | 3484 | SH |  | SOLE |  | 0 | 0 | 3484 |
| VISA INC | COM CL A | 92826C839 |  | 265070 | 877 | SH |  | SOLE |  | 0 | 0 | 877 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 415132 | 4726 | SH |  | SOLE |  | 0 | 0 | 4726 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 257030 | 2773 | SH |  | SOLE |  | 0 | 0 | 2773 |

---