# EDGAR Filing Document

**Accession Number:** 0001864880
**File Stem:** 0001172661-26-000655
**Filing Date:** 2026-2
**Character Count:** 24259
**Document Hash:** ea3a8c6ddc483825d80962369ee2288f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-26-000655.hdr.sgml**: 20260212

**ACCESSION NUMBER**: 0001172661-26-000655

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260212

**DATE AS OF CHANGE**: 20260212

**EFFECTIVENESS DATE**: 20260212

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Wescott Financial Advisory Group, LLC
- **CENTRAL INDEX KEY:** 0001864880

**ORGANIZATION NAME:**
- **EIN:** 233017883
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21282
- **FILM NUMBER:** 26623280

**BUSINESS ADDRESS:**
- **STREET 1:** 30 SOUTH STREET 17TH STREET
- **CITY:** PHILADELPHIA
- **STATE:** PA
- **ZIP:** 19103
- **BUSINESS PHONE:** 215-979-1619

**MAIL ADDRESS:**
- **STREET 1:** 30 SOUTH STREET 17TH STREET
- **CITY:** PHILADELPHIA
- **STATE:** PA
- **ZIP:** 19103

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** Wescott Financial Advisory Group LLC<br>**Address:** 30 South Street 17th Street<br>Philadelphia, PA 19103

**Form 13F File Number:** 028-21282

**CRD Number (if applicable):** 000105989

**SEC File Number (if applicable):** 801-29752

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:** Carrie Delgott<br>**Title:** Chief Compliance Officer<br>**Phone:** 215-979-1619

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

/s/ Carrie Delgott  Philadelphia, PA  02-10-2026<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:** 202

**Form 13F Information Table Value Total:** $1145705806

      (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 |  | 2524989 | 15771 | SH |  | SOLE |  | 18 | 0 | 15753 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 2243727 | 7169 | SH |  | SOLE |  | 1445 | 0 | 5724 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1402432 | 4469 | SH |  | SOLE |  | 1193 | 0 | 3276 |
| AMAZON COM INC | COM | 023135106 |  | 1225535 | 5310 | SH |  | SOLE |  | 998 | 0 | 4312 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 312532 | 4125 | SH |  | SOLE |  | 4125 | 0 | 0 |
| AMETEK INC | COM | 031100100 |  | 1122230 | 5466 | SH |  | SOLE |  | 12 | 0 | 5454 |
| AMGEN INC | COM | 031162100 |  | 229190 | 700 | SH |  | SOLE |  | 14 | 0 | 686 |
| ANNOVIS BIO INC | COM | 03615A108 |  | 143960 | 41607 | SH |  | SOLE |  | 0 | 0 | 41607 |
| APPLE INC | COM | 037833100 |  | 16111038 | 59262 | SH |  | SOLE |  | 44184 | 0 | 15078 |
| APPLIED MATLS INC | COM | 038222105 |  | 243831 | 949 | SH |  | SOLE |  | 588 | 0 | 361 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 375248 | 1459 | SH |  | SOLE |  | 1271 | 0 | 188 |
| BANK AMERICA CORP | COM | 060505104 |  | 970582 | 17647 | SH |  | SOLE |  | 378 | 0 | 17269 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 320966 | 2765 | SH |  | SOLE |  | 24 | 0 | 2741 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 7548000 | 10 | SH |  | SOLE |  | 0 | 0 | 10 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 5293769 | 10532 | SH |  | SOLE |  | 1494 | 0 | 9038 |
| BLACKROCK INC | COM | 09290D101 |  | 230991 | 216 | SH |  | SOLE |  | 31 | 0 | 185 |
| BROADCOM INC | COM | 11135F101 |  | 872118 | 2520 | SH |  | SOLE |  | 184 | 0 | 2336 |
| CARLISLE COS INC | COM | 142339100 |  | 2050951 | 6412 | SH |  | SOLE |  | 0 | 0 | 6412 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 219973 | 4163 | SH |  | SOLE |  | 38 | 0 | 4125 |
| CATERPILLAR INC | COM | 149123101 |  | 772336 | 1348 | SH |  | SOLE |  | 8 | 0 | 1340 |
| CENCORA INC | COM | 03073E105 |  | 1180726 | 3496 | SH |  | SOLE |  | 12 | 0 | 3484 |
| CHEVRON CORP NEW | COM | 166764100 |  | 551478 | 3618 | SH |  | SOLE |  | 287 | 0 | 3331 |
| CHUBB LIMITED | COM | H1467J104 |  | 1897690 | 6080 | SH |  | SOLE |  | 5962 | 0 | 118 |
| CISCO SYS INC | COM | 17275R102 |  | 371413 | 4822 | SH |  | SOLE |  | 630 | 0 | 4192 |
| COCA COLA CO | COM | 191216100 |  | 545879 | 7808 | SH |  | SOLE |  | 3813 | 0 | 3995 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 284176 | 3596 | SH |  | SOLE |  | 644 | 0 | 2952 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1126224 | 1306 | SH |  | SOLE |  | 13 | 0 | 1293 |
| CUMMINS INC | COM | 231021106 |  | 431465 | 845 | SH |  | SOLE |  | 0 | 0 | 845 |
| CVS HEALTH CORP | COM | 126650100 |  | 335146 | 4223 | SH |  | SOLE |  | 3973 | 0 | 250 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 15540537 | 477142 | SH |  | SOLE |  | 300635 | 0 | 176507 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 25719252 | 973477 | SH |  | SOLE |  | 426305 | 0 | 547172 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 21106518 | 422976 | SH |  | SOLE |  | 160677 | 0 | 262299 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 2270482 | 59577 | SH |  | SOLE |  | 46794 | 0 | 12783 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 42630655 | 1294191 | SH |  | SOLE |  | 564263 | 0 | 729928 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 231852 | 6101 | SH |  | SOLE |  | 6101 | 0 | 0 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 |  | 3815194 | 79203 | SH |  | SOLE |  | 10737 | 0 | 68466 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 1526112 | 32609 | SH |  | SOLE |  | 28306 | 0 | 4303 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 23249982 | 679626 | SH |  | SOLE |  | 418324 | 0 | 261302 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 35874372 | 770002 | SH |  | SOLE |  | 226096 | 0 | 543906 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 239066 | 10439 | SH |  | SOLE |  | 10439 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 12989955 | 186450 | SH |  | SOLE |  | 134113 | 0 | 52337 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 208890 | 6382 | SH |  | SOLE |  | 6382 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 919682 | 8084 | SH |  | SOLE |  | 334 | 0 | 7750 |
| ECOLAB INC | COM | 278865100 |  | 232617 | 886 | SH |  | SOLE |  | 7 | 0 | 879 |
| ELI LILLY  CO | COM | 532457108 |  | 10163789 | 9457 | SH |  | SOLE |  | 28 | 0 | 9429 |
| EMPIRE ST RLTY OP L P | UNIT LTD PRT 60 | 292102209 |  | 104445 | 16474 | SH |  | SOLE |  | 16474 | 0 | 0 |
| EMPIRE ST RLTY OP L P | UNIT LTD PRTNSP | 292102100 |  | 103370 | 16408 | SH |  | SOLE |  | 16408 | 0 | 0 |
| ENERGY TRANSFER L P | COM UT LTD PTN | 29273V100 |  | 354848 | 21519 | SH |  | SOLE |  | 218 | 0 | 21301 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 235858 | 7357 | SH |  | SOLE |  | 200 | 0 | 7157 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 2907703 | 24162 | SH |  | SOLE |  | 1307 | 0 | 22855 |
| FS KKR CAP CORP | COM | 302635206 |  | 420777 | 28412 | SH |  | SOLE |  | 1822 | 0 | 26590 |
| GE AEROSPACE | COM NEW | 369604301 |  | 1182278 | 3838 | SH |  | SOLE |  | 200 | 0 | 3638 |
| GE VERNOVA INC | COM | 36828A101 |  | 622265 | 952 | SH |  | SOLE |  | 64 | 0 | 888 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 450264 | 3668 | SH |  | SOLE |  | 308 | 0 | 3360 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 2400051 | 2730 | SH |  | SOLE |  | 2300 | 0 | 430 |
| HERSHEY CO | COM | 427866108 |  | 1415905 | 7781 | SH |  | SOLE |  | 105 | 0 | 7676 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 910666 | 3075 | SH |  | SOLE |  | 495 | 0 | 2580 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 246554 | 436 | SH |  | SOLE |  | 10 | 0 | 426 |
| INVESCO EXCHANGE TRADED FD T | LARGE CAP VALUE | 46137V738 |  | 473567 | 7119 | SH |  | SOLE |  | 7119 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 119176 | 194 | SH |  | OTR |  | 0 | 0 | 194 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 89834807 | 146237 | SH |  | SOLE |  | 59720 | 0 | 86517 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 1136867 | 14006 | SH |  | SOLE |  | 14006 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 40728879 | 605904 | SH |  | SOLE |  | 236817 | 0 | 369087 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 31930 | 475 | SH |  | OTR |  | 0 | 0 | 475 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 2787300 | 63103 | SH |  | SOLE |  | 38649 | 0 | 24454 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 240673 | 3736 | SH |  | SOLE |  | 3736 | 0 | 0 |
| ISHARES TR | 0-5YR INVT GR CP | 46434V100 |  | 1141786 | 22520 | SH |  | SOLE |  | 20675 | 0 | 1845 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 45303 | 547 | SH |  | OTR |  | 0 | 0 | 547 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 3167819 | 38250 | SH |  | SOLE |  | 19981 | 0 | 18269 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 10547321 | 216355 | SH |  | SOLE |  | 136100 | 0 | 80255 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 71175 | 1460 | SH |  | OTR |  | 0 | 0 | 1460 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 88386 | 988 | SH |  | OTR |  | 0 | 0 | 988 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 46998248 | 525355 | SH |  | SOLE |  | 343398 | 0 | 181957 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 3966764 | 46866 | SH |  | SOLE |  | 43031 | 0 | 3835 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 59994 | 909 | SH |  | OTR |  | 0 | 0 | 909 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 12362745 | 187314 | SH |  | SOLE |  | 133858 | 0 | 53456 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 4663138 | 38802 | SH |  | SOLE |  | 29892 | 0 | 8910 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 14422 | 120 | SH |  | OTR |  | 0 | 0 | 120 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 1398011 | 9403 | SH |  | SOLE |  | 9219 | 0 | 184 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 944180 | 5622 | SH |  | SOLE |  | 5622 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 48326601 | 70556 | SH |  | SOLE |  | 48281 | 0 | 22275 |
| ISHARES TR | CORE S ETF | 464287200 |  | 211646 | 309 | SH |  | OTR |  | 0 | 0 | 309 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 10597728 | 106105 | SH |  | SOLE |  | 65595 | 0 | 40510 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 71314 | 714 | SH |  | OTR |  | 0 | 0 | 714 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 17088 | 150 | SH |  | OTR |  | 0 | 0 | 150 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 1472800 | 12929 | SH |  | SOLE |  | 6791 | 0 | 6138 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 15351 | 198 | SH |  | OTR |  | 0 | 0 | 198 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 2095641 | 27030 | SH |  | SOLE |  | 11135 | 0 | 15895 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 1349992 | 14197 | SH |  | SOLE |  | 7164 | 0 | 7033 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 2266283 | 49289 | SH |  | SOLE |  | 32445 | 0 | 16844 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 1806228 | 37748 | SH |  | SOLE |  | 15899 | 0 | 21849 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 |  | 6149856 | 243655 | SH |  | SOLE |  | 164636 | 0 | 79019 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 2225177 | 15969 | SH |  | SOLE |  | 9073 | 0 | 6896 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 59172 | 537 | SH |  | OTR |  | 0 | 0 | 537 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 3998732 | 36289 | SH |  | SOLE |  | 17520 | 0 | 18769 |
| ISHARES TR | INTL EQTY FACTOR | 46434V274 |  | 376573 | 9975 | SH |  | SOLE |  | 2808 | 0 | 7167 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 467324 | 2769 | SH |  | SOLE |  | 2769 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 1641875 | 31049 | SH |  | SOLE |  | 17595 | 0 | 13454 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 955498 | 17734 | SH |  | SOLE |  | 5044 | 0 | 12690 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 6571790 | 46447 | SH |  | SOLE |  | 28410 | 0 | 18037 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 1527968 | 16228 | SH |  | SOLE |  | 6069 | 0 | 10159 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 438981 | 2210 | SH |  | SOLE |  | 588 | 0 | 1622 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 371688 | 3470 | SH |  | SOLE |  | 3470 | 0 | 0 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 32636592 | 87394 | SH |  | SOLE |  | 30332 | 0 | 57062 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 2913799 | 6156 | SH |  | SOLE |  | 4712 | 0 | 1444 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 621247 | 2953 | SH |  | SOLE |  | 2206 | 0 | 747 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 15827 | 49 | SH |  | OTR |  | 0 | 0 | 49 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 1540634 | 4770 | SH |  | SOLE |  | 2749 | 0 | 2021 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 46209286 | 337442 | SH |  | SOLE |  | 124132 | 0 | 213310 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 28991274 | 205539 | SH |  | SOLE |  | 74773 | 0 | 130766 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 527131 | 2141 | SH |  | SOLE |  | 2049 | 0 | 92 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 11351141 | 92091 | SH |  | SOLE |  | 49792 | 0 | 42299 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 121534 | 986 | SH |  | OTR |  | 0 | 0 | 986 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 78890 | 372 | SH |  | OTR |  | 0 | 0 | 372 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 8686234 | 40959 | SH |  | SOLE |  | 24096 | 0 | 16863 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 736723 | 6905 | SH |  | SOLE |  | 4128 | 0 | 2777 |
| ISHARES TR | U S EQUITY FACTR | 46434V282 |  | 5348521 | 77035 | SH |  | SOLE |  | 47626 | 0 | 29409 |
| ISHARES TR | US SML CAP EQT | 46434V290 |  | 342611 | 4575 | SH |  | SOLE |  | 3145 | 0 | 1430 |
| ISHARES TR | USD INV GRDE ETF | 464288620 |  | 470954 | 9097 | SH |  | SOLE |  | 9097 | 0 | 0 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 |  | 45326 | 887 | SH |  | OTR |  | 0 | 0 | 887 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 |  | 3057356 | 59831 | SH |  | SOLE |  | 30652 | 0 | 29179 |
| J P MORGAN EXCHANGE TRADED F | INTL BD OPP ETF | 46641Q852 |  | 246164 | 5055 | SH |  | SOLE |  | 0 | 0 | 5055 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 4019237 | 19421 | SH |  | SOLE |  | 8743 | 0 | 10678 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1030383 | 3198 | SH |  | SOLE |  | 116 | 0 | 3082 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 1649693 | 5318 | SH |  | SOLE |  | 5206 | 0 | 112 |
| MCDONALDS CORP | COM | 580135101 |  | 418718 | 1370 | SH |  | SOLE |  | 459 | 0 | 911 |
| MCKESSON CORP | COM | 58155Q103 |  | 201708 | 246 | SH |  | SOLE |  | 205 | 0 | 41 |
| MERCK  CO INC | COM | 58933Y105 |  | 14981873 | 142332 | SH |  | SOLE |  | 105044 | 0 | 37288 |
| META PLATFORMS INC | CL A | 30303M102 |  | 2331281 | 3532 | SH |  | SOLE |  | 203 | 0 | 3329 |
| MICROSOFT CORP | COM | 594918104 |  | 5843782 | 12083 | SH |  | SOLE |  | 2900 | 0 | 9183 |
| NETFLIX INC | COM | 64110L106 |  | 496163 | 5292 | SH |  | SOLE |  | 141 | 0 | 5151 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 4878705 | 16897 | SH |  | SOLE |  | 266 | 0 | 16631 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 657149 | 1152 | SH |  | SOLE |  | 1 | 0 | 1151 |
| NUSHARES ETF TR | NUVEEN ESG INTL | 67092P805 |  | 883807 | 24407 | SH |  | SOLE |  | 12027 | 0 | 12380 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 |  | 1254522 | 12827 | SH |  | SOLE |  | 5951 | 0 | 6876 |
| NUSHARES ETF TR | NUVEEN ESG LRGVL | 67092P300 |  | 1089483 | 24183 | SH |  | SOLE |  | 11989 | 0 | 12194 |
| NUSHARES ETF TR | NUVEEN ESG SMLCP | 67092P607 |  | 2320976 | 51982 | SH |  | SOLE |  | 33318 | 0 | 18664 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2429906 | 13029 | SH |  | SOLE |  | 2130 | 0 | 10899 |
| ORACLE CORP | COM | 68389X105 |  | 343400 | 1761 | SH |  | SOLE |  | 142 | 0 | 1619 |
| ORGANON  CO | COMMON STOCK | 68622V106 |  | 79315 | 11062 | SH |  | SOLE |  | 9428 | 0 | 1634 |
| PAYONEER GLOBAL INC | COM | 70451X104 |  | 98221 | 17477 | SH |  | SOLE |  | 17477 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 346696 | 2415 | SH |  | SOLE |  | 541 | 0 | 1874 |
| PERELLA WEINBERG PARTNERS | CLASS A COM | 71367G102 |  | 351883 | 20340 | SH |  | SOLE |  | 20340 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 340281 | 13666 | SH |  | SOLE |  | 259 | 0 | 13407 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 219659 | 1369 | SH |  | SOLE |  | 45 | 0 | 1324 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 343359 | 1645 | SH |  | SOLE |  | 432 | 0 | 1213 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 3309897 | 23096 | SH |  | SOLE |  | 325 | 0 | 22771 |
| QUALCOMM INC | COM | 747525103 |  | 542883 | 3174 | SH |  | SOLE |  | 211 | 0 | 2963 |
| RTX CORPORATION | COM | 75513E101 |  | 991169 | 5404 | SH |  | SOLE |  | 1271 | 0 | 4133 |
| SCHWAB STRATEGIC TR | 1000 INDEX ETF | 808524722 |  | 2972434 | 90623 | SH |  | SOLE |  | 0 | 0 | 90623 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 710168 | 29541 | SH |  | SOLE |  | 20016 | 0 | 9525 |
| SCHWAB STRATEGIC TR | MUN BD ETF | 808524649 |  | 793849 | 30817 | SH |  | SOLE |  | 0 | 0 | 30817 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 315370 | 9668 | SH |  | SOLE |  | 2711 | 0 | 6957 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 1040199 | 35130 | SH |  | SOLE |  | 0 | 0 | 35130 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 3103487 | 103209 | SH |  | SOLE |  | 103209 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 265181 | 1842 | SH |  | SOLE |  | 1842 | 0 | 0 |
| SOLVENTUM CORP | COM SHS | 83444M101 |  | 310383 | 3917 | SH |  | SOLE |  | 0 | 0 | 3917 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 692879 | 1748 | SH |  | SOLE |  | 1748 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 346254 | 7397 | SH |  | SOLE |  | 0 | 0 | 7397 |
| SPDR INDEX SHS FDS | S GBLINF ETF | 78463X855 |  | 466552 | 6687 | SH |  | SOLE |  | 0 | 0 | 6687 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1194583 | 1752 | SH |  | SOLE |  | 1290 | 0 | 462 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A474 |  | 1257503 | 41639 | SH |  | SOLE |  | 34142 | 0 | 7497 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A847 |  | 329304 | 5686 | SH |  | SOLE |  | 0 | 0 | 5686 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R101 |  | 7893736 | 269595 | SH |  | SOLE |  | 223533 | 0 | 46062 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 3548702 | 44237 | SH |  | SOLE |  | 37994 | 0 | 6243 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R853 |  | 415152 | 8859 | SH |  | SOLE |  | 0 | 0 | 8859 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD AN | 85208R101 |  | 261558 | 5711 | SH |  | SOLE |  | 5711 | 0 | 0 |
| SYSCO CORP | COM | 871829107 |  | 277295 | 3763 | SH |  | SOLE |  | 3650 | 0 | 113 |
| TESLA INC | COM | 88160R101 |  | 1017055 | 2262 | SH |  | SOLE |  | 1298 | 0 | 964 |
| THE CIGNA GROUP | COM | 125523100 |  | 277521 | 1008 | SH |  | SOLE |  | 621 | 0 | 387 |
| TJX COS INC NEW | COM | 872540109 |  | 218519 | 1422 | SH |  | SOLE |  | 31 | 0 | 1391 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 222689 | 2364 | SH |  | SOLE |  | 0 | 0 | 2364 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 669201 | 1719 | SH |  | SOLE |  | 668 | 0 | 1051 |
| UNILEVER PLC | SPON ADR NEW | 904767803 |  | 399267 | 6105 | SH |  | SOLE |  | 6041 | 0 | 64 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 1728534 | 15578 | SH |  | SOLE |  | 15132 | 0 | 446 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 27065020 | 347522 | SH |  | SOLE |  | 313834 | 0 | 33688 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 3300079 | 41874 | SH |  | SOLE |  | 36684 | 0 | 5190 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 574244 | 2746 | SH |  | SOLE |  | 2746 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 5754050 | 11794 | SH |  | SOLE |  | 9024 | 0 | 2770 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 1191933 | 3786 | SH |  | SOLE |  | 3786 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 1524617 | 5462 | SH |  | SOLE |  | 3038 | 0 | 2424 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 1515122 | 8542 | SH |  | SOLE |  | 6926 | 0 | 1616 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 4876554 | 16802 | SH |  | SOLE |  | 14625 | 0 | 2177 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 178290537 | 284296 | SH |  | SOLE |  | 131007 | 0 | 153289 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 773132 | 3651 | SH |  | SOLE |  | 2399 | 0 | 1252 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 723895 | 2807 | SH |  | SOLE |  | 2525 | 0 | 282 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 5505644 | 16421 | SH |  | SOLE |  | 9046 | 0 | 7375 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 4376304 | 22914 | SH |  | SOLE |  | 20106 | 0 | 2808 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 1116522 | 15179 | SH |  | SOLE |  | 6072 | 0 | 9107 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 512742 | 9538 | SH |  | SOLE |  | 8605 | 0 | 933 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 2506843 | 42684 | SH |  | SOLE |  | 26738 | 0 | 15946 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 24088080 | 302121 | SH |  | SOLE |  | 272351 | 0 | 29770 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 5544974 | 73502 | SH |  | SOLE |  | 68963 | 0 | 4539 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 5450131 | 87244 | SH |  | SOLE |  | 81779 | 0 | 5465 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 |  | 67909776 | 668567 | SH |  | SOLE |  | 305308 | 0 | 363259 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 446504 | 3111 | SH |  | SOLE |  | 2316 | 0 | 795 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 329232 | 437 | SH |  | SOLE |  | 386 | 0 | 51 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 1063455 | 4234 | SH |  | SOLE |  | 4034 | 0 | 200 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 1018456 | 2467 | SH |  | SOLE |  | 2467 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 259322 | 6367 | SH |  | SOLE |  | 807 | 0 | 5560 |
| VISA INC | COM CL A | 92826C839 |  | 363266 | 1036 | SH |  | SOLE |  | 148 | 0 | 888 |
| WALMART INC | COM | 931142103 |  | 652273 | 5855 | SH |  | SOLE |  | 4350 | 0 | 1505 |

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