Investment Research & Advisory 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

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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	875	8	SH		SOLE		0	0	8
A T & T INC	COM	00206R102	11,974	714	SH		SOLE		0	0	714
ABBOTT LABORATORIES	COM	002824100	97,742	888	SH		SOLE		0	0	888
ABBVIE INC	COM	00287Y109	184,879	1,193	SH		SOLE		0	0	1,193
ACCENTURE PLC FCLASS A	SHS CLASS A	G1151C101	34,038	97	SH		SOLE		0	0	97
ADOBE INC	COM	00724F101	2,241,426	3,757	SH		SOLE		0	0	3,757
AIR PROD & CHEMICALS	COM	009158106	50,653	185	SH		SOLE		0	0	185
ALCOA CORP	COM	013872106	34,646	1,019	SH		SOLE		0	0	1,019
ALLBIRDS INC CLASS A	COM	01675A109	372	304	SH		SOLE		0	0	304
ALPHABET INC. CLASS A	CAP STK CL A	02079K305	6,037,961	43,224	SH		SOLE		0	0	43,224
ALPHABET INC. CLASS C	CAP STK CL C	02079K107	543,990	3,860	SH		SOLE		0	0	3,860
ALTRIA GROUP INC	COM	02209S103	48,287	1,197	SH		SOLE		0	0	1,197
AMAZON.COM INC	COM	023135106	6,150,379	40,479	SH		SOLE		0	0	40,479
AMGEN INC.	COM	031162100	173,964	604	SH		SOLE		0	0	604
APPLE INC	COM	037833100	16,431,429	85,345	SH		SOLE		0	0	85,345
ARCHER-DANIELS-MIDLN	COM	039483102	2,469,924	34,200	SH		SOLE		0	0	34,200
ASML HOLDING N V FSPONSORED ADR 1 ADR REPS 1 ORD SHS	N Y REGISTERY SHS	N07059210	2,603,805	3,440	SH		SOLE		0	0	3,440
ATLANTA BRAVES HOLDINGS	COM SER A	047726104	684	16	SH		SOLE		0	0	16
ATLASSIAN CORP CLASS A	CL A	G06242104	10,704	45	SH		SOLE		0	0	45
AUTODESK INC	COM	052769106	23,616	97	SH		SOLE		0	0	97
BANK OF AMERICA CORP	COM	060505104	162,828	4,836	SH		SOLE		0	0	4,836
BECTON DICKINSON&CO	COM	075887109	1,730,218	7,096	SH		SOLE		0	0	7,096
BERKSHIRE HATHAWAY CLASS B	CL B NEW	084670702	2,659,257	7,456	SH		SOLE		0	0	7,456
BLACKROCK INC	COM	09247X101	4,212,224	5,189	SH		SOLE		0	0	5,189
BLACKSTONE MTG TR REIT	COM CL A	09257W100	255	12	SH		SOLE		0	0	12
BLOCK INC CLASS A	CL A	852234103	9,591	124	SH		SOLE		0	0	124
BOEING CO	COM	097023105	230,684	885	SH		SOLE		0	0	885
BRISTOL-MYERS SQUIBB	COM	110122108	60,033	1,170	SH		SOLE		0	0	1,170
BROADCOM INC	COM	11135F101	102,695	92	SH		SOLE		0	0	92
BROOKFIELD ASSET MANAG FCLASS A	CL A EXCH LT VTG	G16169107	22,696	565	SH		SOLE		0	0	565
BROOKFIELD BUSINESS CO FCLASS A	CL A EXC SUB VTG	11259V106	349	15	SH		SOLE		0	0	15
BROOKFIELD BUSINESS P LP	UNIT LTD L P	G16234109	617	30	SH		SOLE		0	0	30
BROOKFIELD CORP FCLASS A	CL A LTD VT SH	11271J107	90,270	2,250	SH		SOLE		0	0	2,250
BROOKFIELD REINSURANCE FCLASS A	CL A EXCH LT VTG	G16169107	606	15	SH		SOLE		0	0	15
CANOPY GROWTH CORP F	COM	138035100	26	5	SH		SOLE		0	0	5
CARMAX INC	COM	143130102	1,500,267	19,550	SH		SOLE		0	0	19,550
CATERPILLAR INC	COM	149123101	2,957	10	SH		SOLE		0	0	10
CELSIUS HOLDINGS INC	COM NEW	15118V207	382	7	SH		SOLE		0	0	7
CHARLES SCHWAB CORP	COM	808513105	4,057,770	58,979	SH		SOLE		0	0	58,979
CHECK PT SOFTWARE F	ORD	M22465104	45,837	300	SH		SOLE		0	0	300
CHEVRON CORP	COM	166764100	104,859	703	SH		SOLE		0	0	703
CHOICE HOTELS INTL	COM	169905106	906,179	7,998	SH		SOLE		0	0	7,998
CHUBB LTD F	COM	H1467J104	3,029,078	13,403	SH		SOLE		0	0	13,403
CIRRUS LOGIC INC	COM	172755100	24,957	300	SH		SOLE		0	0	300
CISCO SYSTEMS INC	COM	17275R102	16,217	321	SH		SOLE		0	0	321
CITIGROUP INC	COM NEW	172967424	56,996	1,108	SH		SOLE		0	0	1,108
COMCAST CORP CLASS A	CL A	20030N101	2,449,856	55,869	SH		SOLE		0	0	55,869
CORTEVA INC	COM	22052L104	3,163	66	SH		SOLE		0	0	66
COSTCO WHOLESALE CO	COM	22160K105	2,942,640	4,458	SH		SOLE		0	0	4,458
CRH PUBLIC LIMITED CO F	ADR	12626K203	13,832	200	SH		SOLE		0	0	200
CROWDSTRIKE HLDGS INC CLASS A	CL A	22788C105	12,766	50	SH		SOLE		0	0	50
DELTA AIR LINES INC DEL	COM N EW	247361702	1,404,189	34,904	SH		SOLE		0	0	34,904
DEXCOM INC	COM	252131107	12,409	100	SH		SOLE		0	0	100
DIAMONDBACK ENERGY	COM	25278X109	620	4	SH		SOLE		0	0	4
DIREXION DAILY S P 500 BULL 2X ETF	DLY S&P500 2XS	25459Y165	103	1	SH		SOLE		0	0	1
DOW INC	COM	260557103	3,619	66	SH		SOLE		0	0	66
DRAFTKINGS INC NEW CLASS A	COM CL A	26142V105	11,174	317	SH		SOLE		0	0	317
DUKE ENERGY CORP	COM NEW	26441C204	58,386	602	SH		SOLE		0	0	602
DUPONT DE NEMOURS INC IA	COM	26614N102	5,077	66	SH		SOLE		0	0	66
EDWARDS LIFESCIENCES	COM	28176E108	45,750	600	SH		SOLE		0	0	600
ENBRIDGE INC F	COM	29250N105	37,641	1,045	SH		SOLE		0	0	1,045
ENSTAR GROUP LTD F	SHS	G3075P101	80,356	273	SH		SOLE		0	0	273
ENTERPRISE PRODS PART LP	COM	293792107	2,582	98	SH		SOLE		0	0	98
FEDEX CORP	COM	31428X106	296,228	1,171	SH		SOLE		0	0	1,171
FIDELITY MSCI COMM SRV INDEX ETF	MSCI COMMNTN SVC	316092873	4,455	100	SH		SOLE		0	0	100
FIDELITY MSCI CONS DISCRINDX ETF	MSCI CONSM DIS	316092204	3,079	39	SH		SOLE		0	0	39
FIDELITY MSCI CONS STPLSINDX ETF	CONSMR STAPLES	316092303	2,455	55	SH		SOLE		0	0	55
FIDELITY MSCI ENERGY INDX ETF	MSCI ENERGY IDX	316092402	922	40	SH		SOLE		0	0	40
FIDELITY MSCI FINANCIALSINDX ETF	MSCI FINLS IDX	316092501	1,981	37	SH		SOLE		0	0	37
FIDELITY MSCI HEALTH CARE INDX ETF	MSCI HLTH CARE I	316092600	7,892	122	SH		SOLE		0	0	122
FIDELITY MSCI INFOR TECHINDX ETF	MSCI INFO TECH I	316092808	13,071	91	SH		SOLE		0	0	91
FISERV INC	COM	337738108	2,355,652	17,733	SH		SOLE		0	0	17,733
GARTNER INC	COM	366651107	19,398	43	SH		SOLE		0	0	43
GE HEALTHCARE TECHNOLOGI	COM	36266G107	26,985	349	SH		SOLE		0	0	349
GENERAL DYNAMICS CO	COM	369550108	2,284,836	8,799	SH		SOLE		0	0	8,799
GENERAL ELECTRIC CO	COM	369604301	1,757,280	13,769	SH		SOLE		0	0	13,769
GENERAL MILLS INC	COM	370334104	89,242	1,370	SH		SOLE		0	0	1,370
GENERAL MOTORS CO	COM	37045V100	9,519	265	SH		SOLE		0	0	265
GILEAD SCIENCES INC	COM	375558103	24,303	300	SH		SOLE		0	0	300
GLOBE LIFE INC	COM	37959E102	27,387	225	SH		SOLE		0	0	225
GOLDMAN SACHS GROUP	COM	38141G104	53,622	139	SH		SOLE		0	0	139
HARLEY DAVIDSON INC	COM	412822108	4,879	132	SH		SOLE		0	0	132
HOME DEPOT INC	COM	437076102	831,720	2,400	SH		SOLE		0	0	2,400
HONEYWELL INTL INC	COM	438516106	4	1	SH		SOLE		0	0	1
HORMEL FOODS CORP	COM	440452100	23,376	728	SH		SOLE		0	0	728
IBM CORP	COM	459200101	18	1	SH		SOLE		0	0	1
IDEXX LABS INC	COM	45168D104	14,986	27	SH		SOLE		0	0	27
INDEPENDENCE REALTY REIT	COM	45378A106	552,299	36,098	SH		SOLE		0	0	36,098
INNOVATIVE INDUSTRIAL PRREIT	COM	45781V101	202	2	SH		SOLE		0	0	2
INTEL CORP	COM	458140100	2,513	50	SH		SOLE		0	0	50
INVESCO NASDAQ NEXT GEN 100 ETF IV	NASDAQNXTGEN100	46138G631	32,094	1,189	SH		SOLE		0	0	1,189
INVSC QQQ TRUST SRS 1 ETF IV	UNIT SER 1	46090E103	452,520	1,105	SH		SOLE		0	0	1,105
IQVIA HOLDINGS INC	COM	46266C105	4,027,169	17,405	SH		SOLE		0	0	17,405
ISHARES BIOTECHNOLOGY ETF	ISHARES BITCOIN	464287556	87,216	642	SH		SOLE		0	0	642
ISHARES CORE MSCI EMERGING ETF	CORE MSCI EMKT	46434G103	1,366	27	SH		SOLE		0	0	27
ISHARES CORE S&P 500 ETF	CORE S&P 500 ETF	464287200	757,044	1,585	SH		SOLE		0	0	1,585
ISHARES CORE S&P MID-CAPETF	CORE S&P MCP ETF	464287507	638,177	2,303	SH		SOLE		0	0	2,303
ISHARES CORE S&P SMALL-CAP ETF	CORE S&P SCP ETF	464287804	192,252	1,776	SH		SOLE		0	0	1,776
ISHARES CORE S&P TOTAL US STOCK MARK	CORE S&P TTL STK ETF	464587150	119,158	1,132	SH		SOLE		0	0	1,132
ISHARES CORE US AGGREGATE BOND ETF	CORE US AGGBD ETF	464287226	7,841	79	SH		SOLE		0	0	79
ISHARES ESG AWARE MSCI USA ETF	ESG AWR MSCI USA	46435G425	104,649	997	SH		SOLE		0	0	997
ISHARES MSCI CHINA A ETF	MSCI CHINA A ETF	46434V514	6,662	258	SH		SOLE		0	0	258
ISHARES MSCI CHINA ETF	MSCI CHINA ETF	46429B671	17,885	439	SH		SOLE		0	0	439
ISHARES MSCI EAFE ETF	MSCI EAFE ETF	464287465	4,822	64	SH		SOLE		0	0	64
ISHARES RUSSELL 1000 GROWTH ETF	RUS 1000 GRW ETF	464287614	10,611	35	SH		SOLE		0	0	35
ISHARES S&P 500 GROWTH ETF	S&P 500 GRWT ETF	464287309	535,839	7,135	SH		SOLE		0	0	7,135
ISHARES S&P 500 VALUE ETF	S&P 500 VAL ETF	464287408	442,550	2,545	SH		SOLE		0	0	2,545
ISHARES S&P SMALL CAP 600 ETF	SP SMCP600VL ETF	464287879	133,373	1,294	SH		SOLE		0	0	1,294
ISHARES S&P SMLL CAP 600GRTH ETF	S&P SML 600 GWT	464287887	156,675	1,252	SH		SOLE		0	0	1,252
ISHARES SELECT DIVIDEND ETF	SELECT DIVIDEND ETF	464287168	117,220	1,000	SH		SOLE		0	0	1,000
JOHNSON & JOHNSON	COM	478160104	2,297,459	14,658	SH		SOLE		0	0	14,658
JPMORGAN CHASE & CO	COM	46625H100	4,269,850	25,102	SH		SOLE		0	0	25,102
LAB CO OF AMER HLDG	COM NEW	50540R409	1,092,128	4,805	SH		SOLE		0	0	4,805
LILLY ELI & CO	COM	532457108	1,877,585	3,221	SH		SOLE		0	0	3,221
LOWES COMPANIES INC	COM	548661107	251,927	1,132	SH		SOLE		0	0	1,132
LPL FINL HLDGS	COM	50212V100	5,235	23	SH		SOLE		0	0	23
LULULEMON ATHLETICA	COM	550021109	14,316	28	SH		SOLE		0	0	28
MASTERCARD INC CLASS A	CL A	57636Q104	5,685,126	13,329	SH		SOLE		0	0	13,329
MATCH GROUP INC NEW	COM	57667L107	5,183	142	SH		SOLE		0	0	142
MCDONALDS CORP	COM	580135101	7,225	24	SH		SOLE		0	0	24
MEDTRONIC PLC F	SHS	G5960L103	8,979	109	SH		SOLE		0	0	109
MERCADOLIBRE INC	COM	58733R102	15,715	10	SH		SOLE		0	0	10
MERCK & CO. INC.	COM	58933Y105	268,407	2,462	SH		SOLE		0	0	2,462
META PLATFORMS INC CLASS A	CL A	30303M102	3,880,110	10,962	SH		SOLE		0	0	10,962
MFA FINL, INC. REIT	NOTE	55272X607	1,330	118	SH		SOLE		0	0	118
MICRON TECHNOLOGY	COM	595112103	85	1	SH		SOLE		0	0	1
MICROSOFT CORP	COM	594918104	9,844,173	26,179	SH		SOLE		0	0	26,179
MOHAWK INDUSTRIES	COM	608190104	475,376	4,593	SH		SOLE		0	0	4,593
MONDELEZ INTL CLASS A	CL A	609207105	116,395	1,607	SH		SOLE		0	0	1,607
MR COOPER GROUP INC	COM	62482R107	65	1	SH		SOLE		0	0	1
MURPHY USA INC	COM	626755102	21,750	61	SH		SOLE		0	0	61
NIKE INC CLASS B	CL B NEW	654106103	172,281	1,587	SH		SOLE		0	0	1,587
NOVO-NORDISK AS VORMAL FSPONSORED ADR 1 ADR REPS 1 ORD SHS	SPONSORED ADR	670100205	85,657	828	SH		SOLE		0	0	828
NUVEEN MUNICIPAL VALUE C	COM	670928100	34,013	3,955	SH		SOLE		0	0	3,955
NVIDIA CORP	COM	67066G104	4,614,955	9,319	SH		SOLE		0	0	9,319
O REILLY AUTOMOTIVE	COM	67103H107	15,201	16	SH		SOLE		0	0	16
OCCIDENTAL PETROL CO	COM	674599105	13,256	222	SH		SOLE		0	0	222
ORACLE CORP	COM	68389X105	34,054	323	SH		SOLE		0	0	323
ORGANON & CO	COM	68622V106	14	1	SH		SOLE		0	0	1
ORION OFFICE REIT INC REIT	COM	68629Y103	286	50	SH		SOLE		0	0	50
PALO ALTO NETWORKS	COM	697435105	549,067	1,862	SH		SOLE		0	0	1,862
PAYPAL HOLDINGS INCORPOR	COM	70450Y103	32,302	526	SH		SOLE		0	0	526
PELOTON INTERACTIVE INC	COM CL A	70614W100	1,583	260	SH		SOLE		0	0	260
PENN ENTMT INC	COM	707569109	6,505	250	SH		SOLE		0	0	250
PEPSICO INC	COM	713448108	14,946	88	SH		SOLE		0	0	88
PERFORMANCE FOOD GROUP C	COM	71377A103	34,575	500	SH		SOLE		0	0	500
PFIZER INC	COM	717081103	1,073,608	37,291	SH		SOLE		0	0	37,291
PHILIP MORRIS INTL	COM	718172109	1,743,585	18,533	SH		SOLE		0	0	18,533
PNC FINL SERVICES	COM	693475105	75,567	488	SH		SOLE		0	0	488
PROCTER & GAMBLE	COM	742718109	1,310,507	8,943	SH		SOLE		0	0	8,943
PROLOGIS INC. REIT	COM	74340W103	133	1	SH		SOLE		0	0	1
PRUDENTIAL FINL	COM	744320102	10,371	100	SH		SOLE		0	0	100
REALTY INCOME CORP REIT	COM	756109104	28,710	500	SH		SOLE		0	0	500
REVOLVE GROUP INC CLASS A	CL A	76156B107	4,659	281	SH		SOLE		0	0	281
RITHM CAPITAL CORP REIT	COM NEW	64828T201	3,834	359	SH		SOLE		0	0	359
RIVIAN AUTOMOTIVE INC CLASS A	CL A	771049103	469	20	SH		SOLE		0	0	20
ROBLOX CORP CLASS A	CL A	771049103	457	10	SH		SOLE		0	0	10
SALESFORCE INC	COM	79466L302	3,853,948	14,646	SH		SOLE		0	0	14,646
SEA LTD FUNSPONSORED ADR 1 ADR REPS 1 ORD SHS	SPONSORED ADR	81141R100	4,698	116	SH		SOLE		0	0	116
SELECT SECTOR HEALTH CARE SPDR ETF	SBI HEALTHCARE	81369Y209	19,366	142	SH		SOLE		0	0	142
SELECT STR FINANCIAL SELECT SPDR ETF	FINANCIAL	81369Y605	17,898	476	SH		SOLE		0	0	476
SERVICE NOW INC	COM	81762P102	34,618	49	SH		SOLE		0	0	49
SHOPIFY INC FCLASS A	CL A	82509L107	17,138	220	SH		SOLE		0	0	220
SNOWFLAKE INC CLASS A	CL A	833445109	597	3	SH		SOLE		0	0	3
SOFI TECHNOLOGIES INC	NOTE	83406F102	7,363	740	SH		SOLE		0	0	740
SOLAREDGE TECH	COM	83417M104	3,557	38	SH		SOLE		0	0	38
SPDR DOW JONES REIT ETF	DJ REIT ETF	78464A607	5,243	55	SH		SOLE		0	0	55
SPDR FUND CONSUMER DISCRE SELECT ETF	SBI CONS DISCR	81369Y407	16,808	94	SH		SOLE		0	0	94
SPDR GOLD MINISHARES ETV	SPDR GLD MINIS	98149E303	1,391	34	SH		SOLE		0	0	34
SPDR INDEX SHARES EMERG MARKT ETF	PORTFOLIO EMG MK	78463X509	5,064	143	SH		SOLE		0	0	143
SPDR PORTFOLIO DVLPD WRLD EX-US ETF	PORTFOLIO DEVLPD	78463X889	11,223	330	SH		SOLE		0	0	330
SPDR PORTFOLIO HIGH YIELD BND ETF	PORTFLI HIGH YLD ETF	78468R606	1,052	45	SH		SOLE		0	0	45
SPDR PORTFOLIO S&P 600 SMALL CAP ETF	PORTFOLIO S&P600	78468R853	13,919	330	SH		SOLE		0	0	330
SPDR S&P 500 ETF	SPDR S&P 500 ETF	78468R796	1,587,535	3,340	SH		SOLE		0	0	3,340
SPDR S&P DIVIDEND ETF	S&P DIVID ETF	78464A763	153,338	1,227	SH		SOLE		0	0	1,227
SPDR S&P GLOBAL NATURAL RESOURCS ETF	GLB NAT RESRCE	78463X541	3,909	69	SH		SOLE		0	0	69
SPDR S&P MIDCAP 400 ETF	UTSER1 S&PDCRP	78467Y107	429,751	847	SH		SOLE		0	0	847
STARBUCKS CORP	COM	855244109	2,570,463	26,773	SH		SOLE		0	0	26,773
STATE STREET CORP	COM	857477103	10,999	142	SH		SOLE		0	0	142
SYNOVUS FINL CO	COM	871607107	215,245	5,717	SH		SOLE		0	0	5,717
TAIWAN SEMICONDUCTR FSPONSORED ADR 1 ADR REPS 5 ORD SHS	SPONSORED ADR	874039100	208	2	SH		SOLE		0	0	2
TECHNOLOGY SELECT SECTORSPDR ETF	TECHNOLOGY	81369Y803	40,806	212	SH		SOLE		0	0	212
TESLA INC	COM	88160R101	92,683	373	SH		SOLE		0	0	373
THE COCA-COLA CO	COM	191216100	184,628	3,133	SH		SOLE		0	0	3,133
TORONTO DOMINION BANK F	COM NEW	891160509	43,102	667	SH		SOLE		0	0	667
TRUIST FINL CORP	COM	89832Q109	539,780	14,620	SH		SOLE		0	0	14,620
UBER TECHNOLOGIES INC	COM	90353T100	3,505,919	56,942	SH		SOLE		0	0	56,942
UNITED PARCEL SRVC CLASS B	CL B NEW	911312106	1,064,604	6,771	SH		SOLE		0	0	6,771
UNITED STATES NATURAL GAS ETV	UNIT PAR	912318300	862	170	SH		SOLE		0	0	170
UNITEDHEALTH GRP INC	COM	91324P102	3,189,355	6,058	SH		SOLE		0	0	6,058
VANGUARD ENERGY ETF	ENERGY ETF	92204A306	465,015	3,965	SH		SOLE		0	0	3,965
VANGUARD FTSE ALL WORLD EX US ETF	ALLWRLD EX US ETF	922042775	519,576	9,255	SH		SOLE		0	0	9,255
VANGUARD FTSE DEVELOPED MARKETS ETF	VAN FTSE DEV MKT	921943858	33,662	703	SH		SOLE		0	0	703
VANGUARD FTSE EMERGING MARKETS ETF	FTSE EMR MKT ETF	922042858	4,028	98	SH		SOLE		0	0	98
VANGUARD FTSE EUROPE ETF	FTSE EUROPE ETF	922042874	1,419	22	SH		SOLE		0	0	22
VANGUARD FTSE PACIFIC ETF	FTSE PACIFIC ETF	922042866	3,241	45	SH		SOLE		0	0	45
VANGUARD HIGH DIVIDEND YIELD ETF	HIGH DIV YLD	921946406	3,684	33	SH		SOLE		0	0	33
VANGUARD LARGE CAP ETF	LARGE CAP ETF	922908637	1,527	7	SH		SOLE		0	0	7
VANGUARD MID CAP ETF	MID CAP ETF	922908629	12,330	53	SH		SOLE		0	0	53
VANGUARD S&P 500 ETF	S&P 500 ETF SHS	922908363	43,283,779	99,093	SH		SOLE		0	0	99,093
VANGUARD SHORT-TERM BONDETF	SHORT TRM BOND	921937827	76,327	991	SH		SOLE		0	0	991
VANGUARD SMALL CAP ETF IV	SMALL CP ETF	922908751	3,017,705	14,146	SH		SOLE		0	0	14,146
VANGUARD TOTAL BOND MARKET ETF	TOTAL BND MKT	921937835	2,150,308	29,236	SH		SOLE		0	0	29,236
VANGUARD TOTAL INTERNATLBND ETF IV	TOTAL INT BD ETF	92203J407	61,854	1,253	SH		SOLE		0	0	1,253
VANGUARD TOTAL INTERNTL STOCK ETF IV	VG TL INTL STK F	921909768	1,011,986	17,460	SH		SOLE		0	0	17,460
VANGUARD TOTAL STOCK MARKET ETF	TOTAL STK MKT	922908769	3,321	14	SH		SOLE		0	0	14
VANGUARD VALUE ETF	VALUE ETF	922908744	8,671	58	SH		SOLE		0	0	58
VEEVA SYSTEMS INC CLASS A	CL A COM	922475108	1,029,404	5,347	SH		SOLE		0	0	5,347
VERIZON COMMUNICATN	COM	92343V104	3,770	100	SH		SOLE		0	0	100
VIATRIS INC	COM	92556V106	217	20	SH		SOLE		0	0	20
VIRGIN GALACTIC HLDGS INCLASS A	COM	92766K106	49	20	SH		SOLE		0	0	20
VISA INC CLASS A	COM CL A	92826C839	4,981,884	19,135	SH		SOLE		0	0	19,135
WABTEC	COM	929740108	761	6	SH		SOLE		0	0	6
WALGREENS BOOTS ALLI	COM	931427108	26	1	SH		SOLE		0	0	1
WALMART INC	COM	931142103	20,656	131	SH		SOLE		0	0	131
WALT DISNEY CO	COM	254687106	1,714,447	18,988	SH		SOLE		0	0	18,988
WARNER BROTHERS DISCOVER	COM SER A	934423104	1,753	154	SH		SOLE		0	0	154
WELLS FARGO & CO	COM NEW	949746101	60,295	1,225	SH		SOLE		0	0	1,225
WOLFSPEED INC	COM	977852102	2,872	66	SH		SOLE		0	0	66
WORKDAY INC CLASS A	CL A	98138H101	57,697	209	SH		SOLE		0	0	209
XERIS PHARMACEUTICALS IN	COM	98421M106	947	403	SH		SOLE		0	0	403
ZETA GLOBAL HOLDINGS COR	CL A	98956A105	195,187	22,130	SH		SOLE		0	0	22,130
ZOETIS INC CLASS A	CL A	98978V103	21,316	108	SH		SOLE		0	0	108
ZOOM VIDEO COMMUNICATIONCLASS A	CL A	98980L101	7,191	100	SH		SOLE		0	0	100