SkyOak Wealt 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M CO	COM	88579Y101	256,996	1,880	SH		SOLE		0	0	1,880
ABBOTT LABS	COM	002824100	306,117	2,685	SH		SOLE		0	0	2,685
ABBVIE INC	COM	00287Y109	1,267,229	6,417	SH		SOLE		0	0	6,417
ABM INDS INC	COM	000957100	380,716	7,216	SH		SOLE		0	0	7,216
ABRDN GLOBAL DYNAMIC DIVIDEN	COM	00302M106	106,200	10,000	SH		SOLE		0	0	10,000
ADVANCED MICRO DEVICES INC	COM	007903107	482,723	2,942	SH		SOLE		0	0	2,942
AFLAC INC	COM	001055102	632,900	5,661	SH		SOLE		0	0	5,661
AGNC INVT CORP	COM	00123Q104	109,324	10,452	SH		SOLE		0	0	10,452
ALPHABET INC	CAP STK CL C	02079K107	4,537,537	27,140	SH		SOLE		0	0	27,140
ALPHABET INC	CAP STK CL A	02079K305	3,535,424	21,317	SH		SOLE		0	0	21,317
AMARIN CORP PLC	SPONS ADR NEW	023111206	8,150	13,000	SH		SOLE		0	0	13,000
AMAZON COM INC	COM	023135106	5,978,398	32,085	SH		SOLE		0	0	32,085
AMER STATES WTR CO	COM	029899101	3,257,583	39,111	SH		SOLE		0	0	39,111
AMEREN CORP	COM	023608102	358,586	4,100	SH		SOLE		0	0	4,100
AMERICAN CENTY ETF TR	FOCUSED LRG CAP	025072794	2,905,711	41,533	SH		SOLE		0	0	41,533
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	4,871,765	50,774	SH		SOLE		0	0	50,774
AMERICAN EXPRESS CO	COM	025816109	204,756	755	SH		SOLE		0	0	755
AMGEN INC	COM	031162100	250,035	776	SH		SOLE		0	0	776
ANNALY CAPITAL MANAGEMENT IN	COM NEW	035710839	243,008	12,108	SH		SOLE		0	0	12,108
APPLE INC	COM	037833100	21,281,687	91,338	SH		SOLE		0	0	91,338
APPLOVIN CORP	COM CL A	03831W108	282,771	2,166	SH		SOLE		0	0	2,166
ARCHER AVIATION INC	COM CL A	03945R102	72,720	24,000	SH		SOLE		0	0	24,000
ARCHER DANIELS MIDLAND CO	COM	039483102	232,568	3,893	SH		SOLE		0	0	3,893
ARISTA NETWORKS INC	COM	040413106	314,349	819	SH		SOLE		0	0	819
ARK ETF TR	INNOVATION ETF	00214Q104	4,945,592	104,052	SH		SOLE		0	0	104,052
AT&T INC	COM	00206R102	674,982	30,681	SH		SOLE		0	0	30,681
AVERY DENNISON CORP	COM	053611109	295,156	1,337	SH		SOLE		0	0	1,337
AXCELIS TECHNOLOGIES INC	COM NEW	054540208	420,029	4,006	SH		SOLE		0	0	4,006
AXON ENTERPRISE INC	COM	05464C101	388,012	971	SH		SOLE		0	0	971
BANK AMERICA CORP	COM	060505104	1,592,557	40,135	SH		SOLE		0	0	40,135
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	2,420,968	5,260	SH		SOLE		0	0	5,260
BLACKROCK ETF TRUST	US EQT FACTOR	09290C103	8,671,299	175,284	SH		SOLE		0	0	175,284
BOYD GAMING CORP	COM	103304101	303,402	4,693	SH		SOLE		0	0	4,693
BROADCOM INC	COM	11135F101	1,875,075	10,870	SH		SOLE		0	0	10,870
CATERPILLAR INC	COM	149123101	395,917	1,012	SH		SOLE		0	0	1,012
CAVA GROUP INC	COM	148929102	322,753	2,606	SH		SOLE		0	0	2,606
CHERRY HILL MTG INVT CORP	COM	164651101	39,930	11,000	SH		SOLE		0	0	11,000
CHEVRON CORP NEW	COM	166764100	768,602	5,219	SH		SOLE		0	0	5,219
CIA ENERGETICA DE MINAS GERA	SP ADR N-V PFD	204409601	297,184	144,264	SH		SOLE		0	0	144,264
CIENA CORP	COM NEW	171779309	467,283	7,587	SH		SOLE		0	0	7,587
CISCO SYS INC	COM	17275R102	806,656	15,157	SH		SOLE		0	0	15,157
CMS ENERGY CORP	COM	125896100	211,890	3,000	SH		SOLE		0	0	3,000
COCA COLA CO	COM	191216100	933,197	12,986	SH		SOLE		0	0	12,986
COCA COLA CONS INC	COM	191098102	230,370	175	SH		SOLE		0	0	175
COMCAST CORP NEW	CL A	20030N101	433,656	10,382	SH		SOLE		0	0	10,382
COMERICA INC	COM	200340107	716,970	11,967	SH		SOLE		0	0	11,967
COMFORT SYS USA INC	COM	199908104	498,477	1,277	SH		SOLE		0	0	1,277
CONIFER HLDGS INC	COM	20731J102	17,951	16,469	SH		SOLE		0	0	16,469
CONSOLIDATED EDISON INC	COM	209115104	390,763	3,753	SH		SOLE		0	0	3,753
COSTCO WHSL CORP NEW	COM	22160K105	642,727	725	SH		SOLE		0	0	725
CRANE COMPANY	COMMON STOCK	224408104	237,420	1,500	SH		SOLE		0	0	1,500
CSX CORP	COM	126408103	452,343	13,100	SH		SOLE		0	0	13,100
CUMMINS INC	COM	231021106	582,822	1,800	SH		SOLE		0	0	1,800
D R HORTON INC	COM	23331A109	343,577	1,801	SH		SOLE		0	0	1,801
DECKERS OUTDOOR CORP	COM	243537107	255,439	1,602	SH		SOLE		0	0	1,602
DEVON ENERGY CORP NEW	COM	25179M103	246,339	6,297	SH		SOLE		0	0	6,297
DISNEY WALT CO	COM	254687106	310,410	3,227	SH		SOLE		0	0	3,227
DONALDSON INC	COM	257651109	292,736	3,972	SH		SOLE		0	0	3,972
DONNELLEY FINL SOLUTIONS INC	COM	25787G100	270,890	4,115	SH		SOLE		0	0	4,115
DOUBLELINE OPPORTUNISTIC CR	COM	258623107	164,574	10,403	SH		SOLE		0	0	10,403
DTE ENERGY CO	COM	233331107	268,248	2,089	SH		SOLE		0	0	2,089
DUOLINGO INC	CL A COM	26603R106	423,030	1,500	SH		SOLE		0	0	1,500
ELI LILLY & CO	COM	532457108	17,244,026	19,464	SH		SOLE		0	0	19,464
EMCOR GROUP INC	COM	29084Q100	353,465	821	SH		SOLE		0	0	821
EMERSON ELEC CO	COM	291011104	2,784,287	25,458	SH		SOLE		0	0	25,458
ENERGY TRANSFER L P	COM UT LTD PTN	29273V100	274,295	17,090	SH		SOLE		0	0	17,090
ENTERPRISE PRODS PARTNERS L	COM	293792107	369,057	12,678	SH		SOLE		0	0	12,678
EVOLV TECHNOLOGIES HLDNGS IN	COM CL A	30049H102	66,157	16,335	SH		SOLE		0	0	16,335
EXXON MOBIL CORP	COM	30231G102	416,879	3,556	SH		SOLE		0	0	3,556
F5 INC	COM	315616102	347,916	1,580	SH		SOLE		0	0	1,580
FABRINET	SHS	G3323L100	289,639	1,225	SH		SOLE		0	0	1,225
FIRST TR EXCHANGE-TRADED FD	SSI STRG ETF	33739Q507	413,192	11,574	SH		SOLE		0	0	11,574
FIRST TR EXCHANGE-TRADED FD	DORSEY WRT 5 ETF	33738R605	6,843,054	117,437	SH		SOLE		0	0	117,437
FIRST TR EXCHANGE-TRADED FD	RISNG DIVD ACHIV	33738R506	221,031	3,733	SH		SOLE		0	0	3,733
FISERV INC	COM	337738108	568,233	3,163	SH		SOLE		0	0	3,163
FORD MTR CO	COM	345370860	265,545	25,146	SH		SOLE		0	0	25,146
FRANKLIN ELEC INC	COM	353514102	280,708	2,678	SH		SOLE		0	0	2,678
GARMIN LTD	SHS	H2906T109	460,494	2,616	SH		SOLE		0	0	2,616
GENERAL MTRS CO	COM	37045V100	342,703	7,643	SH		SOLE		0	0	7,643
GENUINE PARTS CO	COM	372460105	203,374	1,456	SH		SOLE		0	0	1,456
GOLDMAN SACHS ETF TR	ACTIVEBETA US LG	381430503	3,884,308	34,393	SH		SOLE		0	0	34,393
GOLDMAN SACHS ETF TR	HEDGE IND ETF	381430545	1,495,757	12,505	SH		SOLE		0	0	12,505
HONEYWELL INTL INC	COM	438516106	203,255	983	SH		SOLE		0	0	983
IDEXX LABS INC	COM	45168D104	877,062	1,736	SH		SOLE		0	0	1,736
INFOSYS LTD	SPONSORED ADR	456788108	312,025	14,011	SH		SOLE		0	0	14,011
INTEL CORP	COM	458140100	297,379	12,676	SH		SOLE		0	0	12,676
INTERNATIONAL BUSINESS MACHS	COM	459200101	3,036,936	13,737	SH		SOLE		0	0	13,737
INVENTRUST PPTYS CORP	COM NEW	46124J201	252,067	8,885	SH		SOLE		0	0	8,885
INVESCO EXCH TRADED FD TR II	PFD ETF	46138E511	244,258	19,778	SH		SOLE		0	0	19,778
INVESCO QQQ TR	UNIT SER 1	46090E903	4,444,111	9,105	SH		SOLE		0	0	9,105
ISHARES TR	RUS 2000 GRW ETF	464287648	750,896	2,644	SH		SOLE		0	0	2,644
ISHARES TR	CORE S&P MCP ETF	464287507	331,854	5,325	SH		SOLE		0	0	5,325
ISHARES TR	CORE S&P SCP ETF	464287804	9,585,574	81,956	SH		SOLE		0	0	81,956
ISHARES TR	SP SMCP600VL ETF	464287879	487,162	4,525	SH		SOLE		0	0	4,525
ISHARES TR	S&P 500 VAL ETF	464287408	484,447	2,457	SH		SOLE		0	0	2,457
ISHARES TR	CORE S&P500 ETF	464287200	1,364,397	2,365	SH		SOLE		0	0	2,365
ISHARES TR	S&P 500 GRWT ETF	464287309	631,471	6,595	SH		SOLE		0	0	6,595
ISHARES TR	RUS 1000 ETF	464287622	400,533	1,274	SH		SOLE		0	0	1,274
ISHARES TR	RUSSELL 2000 ETF	464287655	524,393	2,374	SH		SOLE		0	0	2,374
ISHARES TR	RUS 2000 VAL ETF	464287630	2,103,267	12,608	SH		SOLE		0	0	12,608
ISHARES TR	RUSSELL 3000 ETF	464287689	1,021,411	3,126	SH		SOLE		0	0	3,126
ISHARES TR	CORE S&P US VLU	464287663	18,845,205	197,353	SH		SOLE		0	0	197,353
ISHARES TR	1 3 YR TREAS BD	464287457	650,067	7,818	SH		SOLE		0	0	7,818
ISHARES TR	7-10 YR TRSY BD	464287440	8,278,188	84,368	SH		SOLE		0	0	84,368
ISHARES TR	MSCI EAFE ETF	464287465	706,004	8,442	SH		SOLE		0	0	8,442
ISHARES TR	RUS MD CP GR ETF	464287481	382,600	3,262	SH		SOLE		0	0	3,262
ISHARES TR	RUS MDCP VAL ETF	464287473	273,493	2,068	SH		SOLE		0	0	2,068
ISHARES TR	S&P 100 ETF	464287101	523,958	1,893	SH		SOLE		0	0	1,893
ISHARES TR	SELECT DIVID ETF	464287168	608,748	4,507	SH		SOLE		0	0	4,507
ISHARES TR	PFD AND INCM SEC	464288687	440,497	13,256	SH		SOLE		0	0	13,256
ISHARES TR	CORE S&P TTL STK	464287150	262,336	2,088	SH		SOLE		0	0	2,088
ISHARES TR	ISHS 1-5YR INVS	464288646	854,356	16,224	SH		SOLE		0	0	16,224
ISHARES TR	US TREAS BD ETF	46429B267	238,064	10,152	SH		SOLE		0	0	10,152
ISHARES TR	CORE MSCI EAFE	46432F842	11,676,670	149,605	SH		SOLE		0	0	149,605
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT ETF	46641Q837	24,850,997	489,771	SH		SOLE		0	0	489,771
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	2,770,066	54,379	SH		SOLE		0	0	54,379
J P MORGAN EXCHANGE TRADED F	SHORT DURA CORE	46641Q274	6,219,132	130,874	SH		SOLE		0	0	130,874
J P MORGAN EXCHANGE TRADED F	INCOME ETF	46641Q159	4,424,122	95,368	SH		SOLE		0	0	95,368
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	2,446,159	41,105	SH		SOLE		0	0	41,105
JOHNSON & JOHNSON	COM	478160104	496,552	3,064	SH		SOLE		0	0	3,064
JPMORGAN CHASE & CO.	COM	46625H100	5,629,808	26,699	SH		SOLE		0	0	26,699
KB HOME	COM	48666K109	332,734	3,883	SH		SOLE		0	0	3,883
KINSALE CAP GROUP INC	COM	49714P108	338,935	728	SH		SOLE		0	0	728
KITE RLTY GROUP TR	COM NEW	49803T300	212,214	7,990	SH		SOLE		0	0	7,990
KRANESHARES TRUST	CSI CHI INTERNET	500767306	354,931	10,433	SH		SOLE		0	0	10,433
LANTHEUS HLDGS INC	COM	516544103	4,372,879	39,844	SH		SOLE		0	0	39,844
LENNAR CORP	CL A	526057104	300,155	1,601	SH		SOLE		0	0	1,601
LINEAGE CELL THERAPEUTICS IN	COM	53566P109	13,580	15,000	SH		SOLE		0	0	15,000
LINEAGE INC	COM	53566V106	313,520	4,000	SH		SOLE		0	0	4,000
LOCKHEED MARTIN CORP	COM	539830109	280,589	480	SH		SOLE		0	0	480
LOGITECH INTL S A	SHS	H50430232	276,997	3,087	SH		SOLE		0	0	3,087
LULULEMON ATHLETICA INC	COM	550021109	210,025	774	SH		SOLE		0	0	774
MARATHON PETE CORP	COM	56585A102	235,894	1,448	SH		SOLE		0	0	1,448
MARRIOTT INTL INC NEW	CL A	571903202	626,472	2,520	SH		SOLE		0	0	2,520
MASTERCARD INCORPORATED	CL A	57636Q104	691,320	1,400	SH		SOLE		0	0	1,400
MCDONALDS CORP	COM	580135101	2,034,113	6,680	SH		SOLE		0	0	6,680
MERCK & CO INC	COM	58933Y105	379,001	3,337	SH		SOLE		0	0	3,337
META PLATFORMS INC	CL A	30303M102	8,509,321	14,865	SH		SOLE		0	0	14,865
MICRON TECHNOLOGY INC	COM	595112103	717,101	6,914	SH		SOLE		0	0	6,914
MICROSOFT CORP	COM	594918104	6,948,257	16,147	SH		SOLE		0	0	16,147
MONDELEZ INTL INC	CL A	609207105	210,554	2,858	SH		SOLE		0	0	2,858
MORGAN STANLEY	COM NEW	617446448	4,646,885	44,579	SH		SOLE		0	0	44,579
MUELLER INDS INC	COM	624756102	399,177	5,387	SH		SOLE		0	0	5,387
NATIONAL BEVERAGE CORP	COM	635017106	271,876	5,792	SH		SOLE		0	0	5,792
NETFLIX INC	COM	64110L106	282,999	399	SH		SOLE		0	0	399
NEUMORA THERAPEUTICS INC.	COM	640979100	198,150	15,000	SH		SOLE		0	0	15,000
NEW YORK CMNTY BANCORP INC	COM NEW	649445400	148,202	13,197	SH		SOLE		0	0	13,197
NEXTERA ENERGY INC	COM	65339F101	3,321,268	39,291	SH		SOLE		0	0	39,291
NVIDIA CORPORATION	COM	67066G104	4,443,693	36,592	SH		SOLE		0	0	36,592
NVR INC	COM	62944T105	363,037	37	SH		SOLE		0	0	37
OMEGA HEALTHCARE INVS INC	COM	681936100	432,763	10,633	SH		SOLE		0	0	10,633
PALANTIR TECHNOLOGIES INC	CL A	69608A108	229,747	6,176	SH		SOLE		0	0	6,176
PALO ALTO NETWORKS INC	COM	697435105	255,666	748	SH		SOLE		0	0	748
PAYLOCITY HLDG CORP	COM	70438V106	291,667	1,768	SH		SOLE		0	0	1,768
PAYSAFE LIMITED	*W EXP 03/30/202	G6964L115	1,137	45,688	SH		SOLE		0	0	45,688
PEPSICO INC	COM	713448108	987,991	5,810	SH		SOLE		0	0	5,810
PFIZER INC	COM	717081103	270,187	9,336	SH		SOLE		0	0	9,336
PHILLIPS 66	COM	718546104	312,588	2,378	SH		SOLE		0	0	2,378
PIMCO ETF TR	ENHAN SHRT MA AC	72201R833	3,890,358	38,637	SH		SOLE		0	0	38,637
PIMCO ETF TR	ENHNCD LW DUR AC	72201R718	4,119,166	42,926	SH		SOLE		0	0	42,926
PROCTER AND GAMBLE CO	COM	742718109	4,563,681	26,349	SH		SOLE		0	0	26,349
PROSHARES TR	PSHS ULT S&P 500	74347R107	938,489	10,408	SH		SOLE		0	0	10,408
PROSHARES TR	S&P 500 DV ARIST	74348A467	842,550	7,892	SH		SOLE		0	0	7,892
PROSHARES TR	S&P MDCP 400 DIV	74347B680	209,030	2,556	SH		SOLE		0	0	2,556
PRUDENTIAL FINL INC	COM	744320102	1,202,475	9,930	SH		SOLE		0	0	9,930
QUALCOMM INC	COM	747525103	1,133,893	6,668	SH		SOLE		0	0	6,668
QUALYS INC	COM	74758T303	528,870	4,117	SH		SOLE		0	0	4,117
REMITLY GLOBAL INC	COM	75960P104	186,938	13,961	SH		SOLE		0	0	13,961
RLI CORP	COM	749607107	271,680	1,753	SH		SOLE		0	0	1,753
ROCKWELL MED INC	COM NEW	774374300	99,528	25,070	SH		SOLE		0	0	25,070
ROKU INC	COM CL A	77543R102	258,398	3,461	SH		SOLE		0	0	3,461
RTX CORPORATION	COM	75513E101	462,952	3,821	SH		SOLE		0	0	3,821
SALESFORCE INC	COM	79466L302	228,822	836	SH		SOLE		0	0	836
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	18,751,393	179,990	SH		SOLE		0	0	179,990
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	634,039	7,889	SH		SOLE		0	0	7,889
SELECT SECTOR SPDR TR	COMMUNICATION	81369Y852	295,819	3,272	SH		SOLE		0	0	3,272
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	8,359,554	37,028	SH		SOLE		0	0	37,028
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	528,237	3,430	SH		SOLE		0	0	3,430
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	343,835	1,716	SH		SOLE		0	0	1,716
SERVICENOW INC	COM	81762P102	2,425,586	2,712	SH		SOLE		0	0	2,712
SHELL PLC	SPON ADS	780259305	214,338	3,250	SH		SOLE		0	0	3,250
SHIFT4 PMTS INC	CL A	82452J109	206,615	2,332	SH		SOLE		0	0	2,332
SNOWFLAKE INC	CL A	833445109	592,103	5,155	SH		SOLE		0	0	5,155
SOBR SAFE INC	COM NEW	833592207	2,008	34,500	SH		SOLE		0	0	34,500
SOUTHERN COPPER CORP	COM	84265V105	289,175	2,500	SH		SOLE		0	0	2,500
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	649,248	1,534	SH		SOLE		0	0	1,534
SPDR GOLD TR	GOLD SHS	78463V107	1,126,583	4,635	SH		SOLE		0	0	4,635
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	3,140,799	83,621	SH		SOLE		0	0	83,621
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	334,987	8,115	SH		SOLE		0	0	8,115
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,190,499	2,075	SH		SOLE		0	0	2,075
SPDR SER TR	PRTFLO S&P500 GW	78464A409	2,877,106	34,689	SH		SOLE		0	0	34,689
SPDR SER TR	S&P DIVID ETF	78464A763	395,581	2,785	SH		SOLE		0	0	2,785
SPDR SER TR	PRTFLO S&P500 VL	78464A508	20,702,425	391,646	SH		SOLE		0	0	391,646
SPDR SER TR	PORTFOLIO S&P500	78464A854	13,503,322	200,020	SH		SOLE		0	0	200,020
SPDR SER TR	BLOOMBERG 1-3 MO	78468R663	2,055,993	22,394	SH		SOLE		0	0	22,394
SPDR SER TR	BBG CONV SEC ETF	78464A359	1,562,896	20,406	SH		SOLE		0	0	20,406
SPDR SER TR	PORTFOLIO SHORT	78464A474	287,721	9,502	SH		SOLE		0	0	9,502
SPDR SER TR	PORTFOLIO S&P600	78468R853	2,779,771	61,080	SH		SOLE		0	0	61,080
STARWOOD PPTY TR INC	COM	85571B105	3,236,955	158,830	SH		SOLE		0	0	158,830
STRATEGY SHS	DAY HAGAN NED	86280R803	7,031,372	169,064	SH		SOLE		0	0	169,064
SUN CMNTYS INC	COM	866674104	668,452	4,946	SH		SOLE		0	0	4,946
T-MOBILE US INC	COM	872590104	1,772,839	8,591	SH		SOLE		0	0	8,591
TARGET CORP	COM	87612E106	236,440	1,517	SH		SOLE		0	0	1,517
TECNOGLASS INC	ORD SHS	G87264100	286,312	4,170	SH		SOLE		0	0	4,170
TEREX CORP NEW	COM	880779103	255,555	4,830	SH		SOLE		0	0	4,830
TESLA INC	COM	88160R101	2,645,603	10,112	SH		SOLE		0	0	10,112
TEXAS INSTRS INC	COM	882508104	637,268	3,085	SH		SOLE		0	0	3,085
TILRAY BRANDS INC	COM	88688T100	36,726	20,867	SH		SOLE		0	0	20,867
TORONTO DOMINION BK ONT	COM NEW	891160509	669,987	10,591	SH		SOLE		0	0	10,591
TRAVELERS COMPANIES INC	COM	89417E109	635,636	2,715	SH		SOLE		0	0	2,715
UFP INDUSTRIES INC	COM	90278Q108	307,163	2,341	SH		SOLE		0	0	2,341
ULTA BEAUTY INC	COM	90384S303	1,037,394	2,666	SH		SOLE		0	0	2,666
UNILEVER PLC	SPON ADR NEW	904767704	2,556,925	39,362	SH		SOLE		0	0	39,362
UNION PAC CORP	COM	907818108	492,467	1,998	SH		SOLE		0	0	1,998
UNITED PARCEL SERVICE INC	CL B	911312106	2,331,278	17,099	SH		SOLE		0	0	17,099
UNITEDHEALTH GROUP INC	COM	91324P102	1,725,391	2,951	SH		SOLE		0	0	2,951
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	2,349,095	8,296	SH		SOLE		0	0	8,296
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	6,157,977	23,032	SH		SOLE		0	0	23,032
VANGUARD INDEX FDS	SMALL CP ETF	922908751	2,660,996	11,218	SH		SOLE		0	0	11,218
VANGUARD INDEX FDS	GROWTH ETF	922908736	1,632,086	4,251	SH		SOLE		0	0	4,251
VANGUARD INDEX FDS	MID CAP ETF	922908629	313,694	1,189	SH		SOLE		0	0	1,189
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	398,545	4,091	SH		SOLE		0	0	4,091
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	2,404,065	4,556	SH		SOLE		0	0	4,556
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	227,483	864	SH		SOLE		0	0	864
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	207,923	854	SH		SOLE		0	0	854
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	298,788	1,782	SH		SOLE		0	0	1,782
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	834,813	13,251	SH		SOLE		0	0	13,251
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	4,523,579	94,537	SH		SOLE		0	0	94,537
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	581,611	11,795	SH		SOLE		0	0	11,795
VANGUARD SCOTTSDALE FDS	INTER TERM TREAS	92206C706	777,303	12,865	SH		SOLE		0	0	12,865
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	840,091	10,578	SH		SOLE		0	0	10,578
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	6,305,280	31,835	SH		SOLE		0	0	31,835
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	236,712	4,482	SH		SOLE		0	0	4,482
VEEVA SYS INC	CL A COM	922475108	855,220	4,075	SH		SOLE		0	0	4,075
VERIZON COMMUNICATIONS INC	COM	92343V104	3,337,709	74,320	SH		SOLE		0	0	74,320
VERTIV HOLDINGS CO	COM CL A	92537N108	314,886	3,165	SH		SOLE		0	0	3,165
VISA INC	COM CL A	92826C839	2,344,499	8,527	SH		SOLE		0	0	8,527
WASTE MGMT INC DEL	COM	94106L109	398,177	1,918	SH		SOLE		0	0	1,918
WAYFAIR INC	NOTE 0.625%10/0	94419LAM3	191,735	200,000	PRN		SOLE		0	0	200,000
WESTERN MIDSTREAM PARTNERS L	COM UNIT LP INT	958669103	220,875	5,773	SH		SOLE		0	0	5,773
WILLIAMS SONOMA INC	COM	969904101	476,069	3,073	SH		SOLE		0	0	3,073
XPEL INC	COM	98379L100	313,608	7,231	SH		SOLE		0	0	7,231