Annapolis Financial Services 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

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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	52,748	527	SH		SOLE		0	0	527
ABBOTT LABS	COM	002824100	152,847	1,402	SH		SOLE		0	0	1,402
ABBVIE INC	COM	00287Y109	148,608	1,103	SH		SOLE		0	0	1,103
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	4,012	13	SH		SOLE		0	0	13
ADOBE SYSTEMS INCORPORATED	COM	00724F101	2,934	6	SH		SOLE		0	0	6
ADVISORSHARES TR	PURE US CANNABIS	00768Y453	28	5	SH		SOLE		0	0	5
AFLAC INC	COM	001055102	24,430	350	SH		SOLE		0	0	350
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	251	3	SH		SOLE		0	0	3
ALPHABET INC	CAP STK CL A	02079K305	286,921	2,397	SH		SOLE		0	0	2,397
ALPHABET INC	CAP STK CL C	02079K107	1,360,550	11,247	SH		SOLE		0	0	11,247
ALTRIA GROUP INC	COM	02209S103	7,566	167	SH		SOLE		0	0	167
AMAZON COM INC	COM	023135106	458,737	3,519	SH		SOLE		0	0	3,519
AMERICAN CENTY ETF TR	AVANTIS ALL EQT	025072232	213,177	3,552	SH		SOLE		0	0	3,552
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	3,284,455	61,038	SH		SOLE		0	0	61,038
AMERICAN CENTY ETF TR	AVANTIS RESPON U	025072281	70,372	1,363	SH		SOLE		0	0	1,363
AMERICAN CENTY ETF TR	AVANTIS RESPONSI	025072315	4,685	102	SH		SOLE		0	0	102
AMERICAN CENTY ETF TR	AVANTIS RESPONSI	025072299	6,555	128	SH		SOLE		0	0	128
AMERICAN CENTY ETF TR	AVANTIS US SMALL	025072323	171,387	3,756	SH		SOLE		0	0	3,756
AMERICAN CENTY ETF TR	INTL EQT ETF	025072703	15,404,228	268,366	SH		SOLE		0	0	268,366
AMERICAN CENTY ETF TR	INTL SMCP VLU	025072802	1,477,982	25,677	SH		SOLE		0	0	25,677
AMERICAN CENTY ETF TR	REAL ESTATE ETF	025072356	21,862	534	SH		SOLE		0	0	534
AMERICAN CENTY ETF TR	US EQT ETF	025072885	5,175,629	68,834	SH		SOLE		0	0	68,834
AMERICAN CENTY ETF TR	US LARGE CAP VLU	025072349	9,870	185	SH		SOLE		0	0	185
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	2,201,061	28,361	SH		SOLE		0	0	28,361
AMERICAN ELEC PWR CO INC	COM	025537101	9,431	112	SH		SOLE		0	0	112
AMERICAN EXPRESS CO	COM	025816109	29,440	169	SH		SOLE		0	0	169
AMERICAN INTL GROUP INC	COM NEW	026874784	7,941	138	SH		SOLE		0	0	138
AMERICAN TOWER CORP NEW	COM	03027X100	20,170	104	SH		SOLE		0	0	104
AMERIPRISE FINL INC	COM	03076C106	2,326	7	SH		SOLE		0	0	7
AMGEN INC	COM	031162100	59,946	270	SH		SOLE		0	0	270
AMPLIFY ETF TR	SEYMOUR CANNBS	032108854	30	8	SH		SOLE		0	0	8
ANALOG DEVICES INC	COM	032654105	14,027	72	SH		SOLE		0	0	72
ANSYS INC	COM	03662Q105	10,569	32	SH		SOLE		0	0	32
APOLLO GLOBAL MGMT INC	COM	03769M106	9,602	125	SH		SOLE		0	0	125
APPLE INC	COM	037833100	2,436,308	12,560	SH		SOLE		0	0	12,560
APPLIED MATLS INC	COM	038222105	2,458	17	SH		SOLE		0	0	17
APTIV PLC	SHS	G6095L109	12,762	125	SH		SOLE		0	0	125
APYX MEDICAL CORPORATION	COM	03837C106	7,888	1,568	SH		SOLE		0	0	1,568
ARCH CAP GROUP LTD	ORD	G0450A105	177,021	2,365	SH		SOLE		0	0	2,365
ARK ETF TR	AUTNMUS TECHNLGY	00214Q203	1,691	30	SH		SOLE		0	0	30
ARK ETF TR	INNOVATION ETF	00214Q104	7,460	169	SH		SOLE		0	0	169
AT&T INC	COM	00206R102	34,264	2,148	SH		SOLE		0	0	2,148
ATMOS ENERGY CORP	COM	049560105	1,397	12	SH		SOLE		0	0	12
AUTOMATIC DATA PROCESSING IN	COM	053015103	202,207	920	SH		SOLE		0	0	920
AUTONATION INC	COM	05329W102	190,948	1,160	SH		SOLE		0	0	1,160
BANK AMERICA CORP	7.25pcnt CNV PFD L	060505682	5,860	5	SH		SOLE		0	0	5
BANK AMERICA CORP	COM	060505104	318,516	11,102	SH		SOLE		0	0	11,102
BECTON DICKINSON & CO	COM	075887109	1,849	7	SH		SOLE		0	0	7
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	517,810	1	SH		SOLE		0	0	1
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	752,246	2,206	SH		SOLE		0	0	2,206
BHP GROUP LTD	SPONSORED ADS	088606108	4,297	72	SH		SOLE		0	0	72
BLACKROCK INC	COM	09247X101	35,249	51	SH		SOLE		0	0	51
BLOCK H & R INC	COM	093671105	2,741	86	SH		SOLE		0	0	86
BOEING CO	COM	097023105	43,499	206	SH		SOLE		0	0	206
BRISTOL-MYERS SQUIBB CO	COM	110122108	197,350	3,086	SH		SOLE		0	0	3,086
BROADCOM INC	COM	11135F101	72,865	84	SH		SOLE		0	0	84
BROADRIDGE FINL SOLUTIONS IN	COM	11133T103	33,126	200	SH		SOLE		0	0	200
BROOKFIELD RENEWABLE CORP	CL A SUB VTG	11284V105	30,071	954	SH		SOLE		0	0	954
BROWN & BROWN INC	COM	115236101	85,087	1,236	SH		SOLE		0	0	1,236
BROWN FORMAN CORP	CL A	115637100	36,758	540	SH		SOLE		0	0	540
BROWN FORMAN CORP	CL B	115637209	599,084	8,971	SH		SOLE		0	0	8,971
CALLON PETE CO DEL	COM	13123X508	13,292	379	SH		SOLE		0	0	379
CANADIAN PACIFIC KANSAS CITY	COM	13646K108	44,666	553	SH		SOLE		0	0	553
CANOPY GROWTH CORP	COM	138035100	10	25	SH		SOLE		0	0	25
CAPITAL ONE FINL CORP	COM	14040H105	34,105	312	SH		SOLE		0	0	312
CARGURUS INC	COM CL A	141788109	22,630	1,000	SH		SOLE		0	0	1,000
CARRIER GLOBAL CORPORATION	COM	14448C104	15,808	318	SH		SOLE		0	0	318
CATERPILLAR INC	COM	149123101	18,208	74	SH		SOLE		0	0	74
CENTENE CORP DEL	COM	15135B101	5,936	88	SH		SOLE		0	0	88
CENTRAIS ELETRICAS BRASILEIR	SPONSORED ADR	15234Q207	3,284	397	SH		SOLE		0	0	397
CHEVRON CORP NEW	COM	166764100	109,359	695	SH		SOLE		0	0	695
CHIPOTLE MEXICAN GRILL INC	COM	169656105	36,363	17	SH		SOLE		0	0	17
CHUBB LIMITED	COM	H1467J104	33,313	173	SH		SOLE		0	0	173
CHURCH & DWIGHT CO INC	COM	171340102	1,604	16	SH		SOLE		0	0	16
CISCO SYS INC	COM	17275R102	604,738	11,688	SH		SOLE		0	0	11,688
CITIGROUP INC	COM NEW	172967424	1,428	31	SH		SOLE		0	0	31
COCA COLA CO	COM	191216100	42,877	712	SH		SOLE		0	0	712
COMCAST CORP NEW	CL A	20030N101	58,794	1,415	SH		SOLE		0	0	1,415
CONDUENT INC	COM	206787103	174	51	SH		SOLE		0	0	51
CONOCOPHILLIPS	COM	20825C104	19,790	191	SH		SOLE		0	0	191
CONSOLIDATED EDISON INC	COM	209115104	27,120	300	SH		SOLE		0	0	300
CONSTELLATION BRANDS INC	CL A	21036P108	18,460	75	SH		SOLE		0	0	75
CONSTELLATION ENERGY CORP	COM	21037T109	8,515	93	SH		SOLE		0	0	93
COPART INC	COM	217204106	32,836	360	SH		SOLE		0	0	360
CORBUS PHARMACEUTICALS HLDGS	COM NEW	21833P301	181	23	SH		SOLE		0	0	23
CORNING INC	COM	219350105	3,504	100	SH		SOLE		0	0	100
CORTEVA INC	COM	22052L104	4,871	85	SH		SOLE		0	0	85
COSTAR GROUP INC	COM	22160N109	18,690	210	SH		SOLE		0	0	210
COSTCO WHSL CORP NEW	COM	22160K105	76,010	141	SH		SOLE		0	0	141
COTERRA ENERGY INC	COM	127097103	937	37	SH		SOLE		0	0	37
CRH PLC	ADR	12626K203	5,685	102	SH		SOLE		0	0	102
CSX CORP	COM	126408103	42,046	1,233	SH		SOLE		0	0	1,233
CUBESMART	COM	229663109	641,988	14,375	SH		SOLE		0	0	14,375
D R HORTON INC	COM	23331A109	89,564	736	SH		SOLE		0	0	736
DANAHER CORPORATION	COM	235851102	35,040	146	SH		SOLE		0	0	146
DBV TECHNOLOGIES S A	SPONSORED ADR	23306J101	513	270	SH		SOLE		0	0	270
DEERE & CO	COM	244199105	55,106	136	SH		SOLE		0	0	136
DESKTOP METAL INC	COM CL A	25058X105	885	500	SH		SOLE		0	0	500
DIAGEO PLC	SPON ADR NEW	25243Q205	11,450	66	SH		SOLE		0	0	66
DIMENSIONAL ETF TRUST	CORE FIXED INCOM	25434V872	732,529	17,554	SH		SOLE		0	0	17,554
DIMENSIONAL ETF TRUST	EMERGING MARKETS	25434V682	40,607	1,334	SH		SOLE		0	0	1,334
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	5,770,564	245,975	SH		SOLE		0	0	245,975
DIMENSIONAL ETF TRUST	INFLATION PROTE	25434V856	1,494,968	36,189	SH		SOLE		0	0	36,189
DIMENSIONAL ETF TRUST	INTERNATIONAL	25434V690	37,789	1,241	SH		SOLE		0	0	1,241
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	549,581	16,730	SH		SOLE		0	0	16,730
DIMENSIONAL ETF TRUST	INTL CORE EQT MK	25434V203	9,041,199	330,937	SH		SOLE		0	0	330,937
DIMENSIONAL ETF TRUST	INTL HIGH PROFIT	25434V765	413,664	16,898	SH		SOLE		0	0	16,898
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	625,685	26,456	SH		SOLE		0	0	26,456
DIMENSIONAL ETF TRUST	NATL MUN BD ETF	25434V849	696,637	14,626	SH		SOLE		0	0	14,626
DIMENSIONAL ETF TRUST	SHORT DURATION F	25434V864	9,128,030	196,937	SH		SOLE		0	0	196,937
DIMENSIONAL ETF TRUST	US CORE EQT MKT	25434V104	20,391,539	658,004	SH		SOLE		0	0	658,004
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	4,025,911	148,284	SH		SOLE		0	0	148,284
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	1,957,588	40,648	SH		SOLE		0	0	40,648
DIMENSIONAL ETF TRUST	US HIGH PROFITAB	25434V831	1,065,581	40,150	SH		SOLE		0	0	40,150
DIMENSIONAL ETF TRUST	US LARGE CAP VAL	25434V666	353,772	13,928	SH		SOLE		0	0	13,928
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	1,555,433	45,085	SH		SOLE		0	0	45,085
DIMENSIONAL ETF TRUST	US REAL ESTATE E	25434V823	2,310,646	107,372	SH		SOLE		0	0	107,372
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	6,599,158	120,423	SH		SOLE		0	0	120,423
DIMENSIONAL ETF TRUST	US SMALL CAP VAL	25434V815	1,208,389	47,019	SH		SOLE		0	0	47,019
DIMENSIONAL ETF TRUST	US SUSTAINABILTY	25434V716	133,737	4,659	SH		SOLE		0	0	4,659
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	2,925,354	63,060	SH		SOLE		0	0	63,060
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	1,016,895	43,625	SH		SOLE		0	0	43,625
DISNEY WALT CO	COM	254687106	107,761	1,207	SH		SOLE		0	0	1,207
DOLLAR GEN CORP NEW	COM	256677105	107,811	635	SH		SOLE		0	0	635
DOMINION ENERGY INC	COM	25746U109	43,452	839	SH		SOLE		0	0	839
DOUGLAS DYNAMICS INC	COM	25960R105	11,957	400	SH		SOLE		0	0	400
DOW INC	COM	260557103	10,706	201	SH		SOLE		0	0	201
DRAFTKINGS INC NEW	COM CL A	26142V105	532	20	SH		SOLE		0	0	20
DUPONT DE NEMOURS INC	COM	26614N102	6,073	85	SH		SOLE		0	0	85
EASTMAN CHEM CO	COM	277432100	3,433	41	SH		SOLE		0	0	41
EATON CORP PLC	SHS	G29183103	7,240	36	SH		SOLE		0	0	36
EBAY INC.	COM	278642103	8,045	180	SH		SOLE		0	0	180
ECOLAB INC	COM	278865100	37,338	200	SH		SOLE		0	0	200
EDWARDS LIFESCIENCES CORP	COM	28176E108	19,621	208	SH		SOLE		0	0	208
ENERGY TRANSFER L P	COM UT LTD PTN	29273V100	6,516	513	SH		SOLE		0	0	513
EQUINOR ASA	SPONSORED ADR	29446M102	1,315	45	SH		SOLE		0	0	45
EQUITY RESIDENTIAL	SH BEN INT	29476L107	15,372	233	SH		SOLE		0	0	233
EXELON CORP	COM	30161N101	11,367	279	SH		SOLE		0	0	279
EXXON MOBIL CORP	COM	30231G102	222,759	2,077	SH		SOLE		0	0	2,077
F&G ANNUITIES & LIFE INC	COMMON STOCK	30190A104	496	20	SH		SOLE		0	0	20
FACTSET RESH SYS INC	COM	303075105	107,775	269	SH		SOLE		0	0	269
FASTENAL CO	COM	311900104	75,862	1,286	SH		SOLE		0	0	1,286
FEDEX CORP	COM	31428X106	39,563	160	SH		SOLE		0	0	160
FIDELITY NATIONAL FINANCIAL	FNF GROUP COM	31620R303	10,800	300	SH		SOLE		0	0	300
FIRSTENERGY CORP	COM	337932107	8,826	227	SH		SOLE		0	0	227
FISERV INC	COM	337738108	36,079	286	SH		SOLE		0	0	286
FIVE BELOW INC	COM	33829M101	99,646	507	SH		SOLE		0	0	507
FLEXSHARES TR	FLEXSHARES ULTRA	33939L886	2,549	34	SH		SOLE		0	0	34
FLEXSHARES TR	IBOXX 3R TARGT	33939L506	15,671	666	SH		SOLE		0	0	666
FLEXSHARES TR	M STAR DEV MKT	33939L803	44,069	679	SH		SOLE		0	0	679
FLEXSHARES TR	MORNSTAR UPSTR	33939L407	18,232	455	SH		SOLE		0	0	455
FLEXSHARES TR	MORNSTAR USMKT	33939L100	102,997	611	SH		SOLE		0	0	611
FLEXSHARES TR	MSTAR EMKT FAC	33939L308	10,429	214	SH		SOLE		0	0	214
FLEXSHARES TR	STOXX GLOBR INF	33939L795	3,404	65	SH		SOLE		0	0	65
FMC CORP	COM NEW	302491303	89	85	SH		SOLE		0	0	85
FORD MTR CO DEL	COM	345370860	4,831	319	SH		SOLE		0	0	319
FRESENIUS MED CARE AG&CO KGA	SPONSORED ADR	358029106	55,710	2,328	SH		SOLE		0	0	2,328
FS CREDIT OPPORTUNITIES CORP	COMMON STOCK	30290Y101	31,806	6,696	SH		SOLE		0	0	6,696
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	10,399	128	SH		SOLE		0	0	128
GENERAC HLDGS INC	COM	368736104	2,983	20	SH		SOLE		0	0	20
GENERAL DYNAMICS CORP	COM	369550108	33,604	156	SH		SOLE		0	0	156
GENERAL ELECTRIC CO	COM NEW	369604301	42,822	390	SH		SOLE		0	0	390
GENERAL MTRS CO	COM	37045V100	22,327	579	SH		SOLE		0	0	579
GENUINE PARTS CO	COM	372460105	19,970	118	SH		SOLE		0	0	118
GLEN BURNIE BANCORP	COM	377407101	7,790	1,000	SH		SOLE		0	0	1,000
GLOBAL MED REIT INC	COM NEW	37954A204	40,777	4,466	SH		SOLE		0	0	4,466
GLOBAL X FDS	CANNABIS ETF NEW	37954Y145	39	6	SH		SOLE		0	0	6
GLOBAL X FDS	US PFD ETF	37954Y657	12,667	653	SH		SOLE		0	0	653
GLOBANT S A	COM	L44385109	13,839	77	SH		SOLE		0	0	77
GOLDMAN SACHS GROUP INC	COM	38141G104	16,712	52	SH		SOLE		0	0	52
GRAND CANYON ED INC	COM	38526M106	11,354	110	SH		SOLE		0	0	110
GXO LOGISTICS INCORPORATED	COMMON STOCK	36262G101	1,068	17	SH		SOLE		0	0	17
HANESBRANDS INC	COM	410345102	759	167	SH		SOLE		0	0	167
HANNON ARMSTRONG SUST INFR C	COM	41068X100	213,438	8,537	SH		SOLE		0	0	8,537
HEICO CORP NEW	COM	422806109	17,518	99	SH		SOLE		0	0	99
HEWLETT PACKARD ENTERPRISE C	COM	42824C109	1,680	100	SH		SOLE		0	0	100
HOME DEPOT INC	COM	437076102	271,188	873	SH		SOLE		0	0	873
HONEYWELL INTL INC	COM	438516106	47,725	230	SH		SOLE		0	0	230
HP INC	COM	40434L105	3,071	100	SH		SOLE		0	0	100
HUMANA INC	COM	444859102	28,617	64	SH		SOLE		0	0	64
IDEXX LABS INC	COM	45168D104	10,547	21	SH		SOLE		0	0	21
ILLUMINA INC	COM	452327109	18,749	100	SH		SOLE		0	0	100
INFOSYS LTD	SPONSORED ADR	456788108	3,086	192	SH		SOLE		0	0	192
INSTALLED BLDG PRODS INC	COM	45780R101	16,259	116	SH		SOLE		0	0	116
INTEL CORP	COM	458140100	20,131	602	SH		SOLE		0	0	602
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	1,810	16	SH		SOLE		0	0	16
INTERNATIONAL BUSINESS MACHS	COM	459200101	55,398	414	SH		SOLE		0	0	414
INTERPUBLIC GROUP COS INC	COM	460690100	190,586	4,940	SH		SOLE		0	0	4,940
INTUIT	COM	461202103	54,983	120	SH		SOLE		0	0	120
INVESCO EXCHANGE TRADED FD T	DIVID ACHIEVEV	46137V506	152,920	4,000	SH		SOLE		0	0	4,000
INVESCO EXCHANGE TRADED FD T	NASDAQ INTERNT	46137V530	56,288	360	SH		SOLE		0	0	360
INVESCO EXCHANGE TRADED FD T	S&P500 EQL TEC	46137V282	49,448	168	SH		SOLE		0	0	168
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	7,720,322	51,593	SH		SOLE		0	0	51,593
INVESCO EXCHANGE TRADED FD T	WILDERHIL CLAN	46137V134	63,069	1,572	SH		SOLE		0	0	1,572
INVESCO QQQ TR	UNIT SER 1	46090E103	222,440	602	SH		SOLE		0	0	602
IONQ INC	COM	46222L108	65,513	4,842	SH		SOLE		0	0	4,842
ISHARES INC	CORE MSCI EMKT	46434G103	1,583,511	32,126	SH		SOLE		0	0	32,126
ISHARES INC	ESG AWR MSCI EM	46434G863	1,044	33	SH		SOLE		0	0	33
ISHARES INC	MSCI EMRG CHN	46434G764	51,357	988	SH		SOLE		0	0	988
ISHARES TR	1 3 YR TREAS BD	464287457	13,865	171	SH		SOLE		0	0	171
ISHARES TR	20 YR TR BD ETF	464287432	17,294	168	SH		SOLE		0	0	168
ISHARES TR	7-10 YR TRSY BD	464287440	55,642	576	SH		SOLE		0	0	576
ISHARES TR	BLACKROCK ULTRA	46434V878	20,120	400	SH		SOLE		0	0	400
ISHARES TR	COHEN STEER REIT	464287564	14,893	268	SH		SOLE		0	0	268
ISHARES TR	CORE MSCI EAFE	46432F842	2,828,648	41,906	SH		SOLE		0	0	41,906
ISHARES TR	CORE S&P MCP ETF	464287507	3,515,861	13,446	SH		SOLE		0	0	13,446
ISHARES TR	CORE S&P SCP ETF	464287804	1,279,805	12,843	SH		SOLE		0	0	12,843
ISHARES TR	CORE S&P500 ETF	464287200	5,637,400	12,648	SH		SOLE		0	0	12,648
ISHARES TR	CORE US AGGBD ET	464287226	124,789	1,274	SH		SOLE		0	0	1,274
ISHARES TR	EAFE SML CP ETF	464288273	148,748	2,522	SH		SOLE		0	0	2,522
ISHARES TR	ESG AW MSCI EAFE	46435G516	1,678	23	SH		SOLE		0	0	23
ISHARES TR	EXPANDED TECH	464287515	2,250,145	6,505	SH		SOLE		0	0	6,505
ISHARES TR	GL CLEAN ENE ETF	464288224	106,040	5,763	SH		SOLE		0	0	5,763
ISHARES TR	GLB INFRASTR ETF	464288372	5,541	118	SH		SOLE		0	0	118
ISHARES TR	JPMORGAN USD EMG	464288281	11,683	135	SH		SOLE		0	0	135
ISHARES TR	MBS ETF	464288588	100,354	1,076	SH		SOLE		0	0	1,076
ISHARES TR	MRGSTR MD CP ETF	464288208	44,303	700	SH		SOLE		0	0	700
ISHARES TR	MSCI ACWI ETF	464288257	2,687	28	SH		SOLE		0	0	28
ISHARES TR	MSCI EAFE ETF	464287465	2,919,720	40,272	SH		SOLE		0	0	40,272
ISHARES TR	MSCI EMG MKT ETF	464287234	3,798	96	SH		SOLE		0	0	96
ISHARES TR	MSCI GBL SUS DEV	46435G532	822,120	10,400	SH		SOLE		0	0	10,400
ISHARES TR	MSCI KLD400 SOC	464288570	1,454,963	17,286	SH		SOLE		0	0	17,286
ISHARES TR	MSCI USA ESG SLC	464288802	937	10	SH		SOLE		0	0	10
ISHARES TR	MSCI USA MIN VOL	46429B697	95,886	1,290	SH		SOLE		0	0	1,290
ISHARES TR	MSCI USA QLT FCT	46432F339	190,747	1,414	SH		SOLE		0	0	1,414
ISHARES TR	NATIONAL MUN ETF	464288414	427	4	SH		SOLE		0	0	4
ISHARES TR	RUS 1000 GRW ETF	464287614	28,344	103	SH		SOLE		0	0	103
ISHARES TR	RUS 1000 VAL ETF	464287598	947	6	SH		SOLE		0	0	6
ISHARES TR	RUS 2000 GRW ETF	464287648	6,067	25	SH		SOLE		0	0	25
ISHARES TR	RUS 2000 VAL ETF	464287630	182,258	1,294	SH		SOLE		0	0	1,294
ISHARES TR	RUS MDCP VAL ETF	464287473	1,893,110	17,235	SH		SOLE		0	0	17,235
ISHARES TR	RUS MID CAP ETF	464287499	514,278	7,042	SH		SOLE		0	0	7,042
ISHARES TR	RUSSELL 2000 ETF	464287655	27,716	148	SH		SOLE		0	0	148
ISHARES TR	S&P 500 GRWT ETF	464287309	36,580	519	SH		SOLE		0	0	519
ISHARES TR	SP SMCP600VL ETF	464287879	500,174	5,260	SH		SOLE		0	0	5,260
ISHARES TR	TIPS BD ETF	464287176	6,673	62	SH		SOLE		0	0	62
ISHARES TR	U.S. MED DVC ETF	464288810	20,665	366	SH		SOLE		0	0	366
ISHARES TR	U.S. UTILITS ETF	464287697	79,625	974	SH		SOLE		0	0	974
JANUS HENDERSON GROUP PLC	ORD SHS	G4474Y214	2,780	102	SH		SOLE		0	0	102
JOHNSON & JOHNSON	COM	478160104	370,931	2,241	SH		SOLE		0	0	2,241
JOHNSON CTLS INTL PLC	SHS	G51502105	19,761	290	SH		SOLE		0	0	290
JPMORGAN CHASE & CO	COM	46625H100	251,206	1,727	SH		SOLE		0	0	1,727
KIMBERLY-CLARK CORP	COM	494368103	27,612	200	SH		SOLE		0	0	200
KNIFE RIVER CORP	COMMON STOCK	498894104	10,745	247	SH		SOLE		0	0	247
KROGER CO	COM	501044101	15,063	320	SH		SOLE		0	0	320
KYNDRYL HLDGS INC	COMMON STOCK	50155Q100	1,063	80	SH		SOLE		0	0	80
LABORATORY CORP AMER HLDGS	COM NEW	50540R409	12,067	50	SH		SOLE		0	0	50
LAMB WESTON HLDGS INC	COM	513272104	1,840	16	SH		SOLE		0	0	16
LAUDER ESTEE COS INC	CL A	518439104	590	3	SH		SOLE		0	0	3
LENNAR CORP	CL A	526057104	27,443	219	SH		SOLE		0	0	219
LILLY ELI & CO	COM	532457108	250,436	534	SH		SOLE		0	0	534
LINCOLN NATL CORP IND	COM	534187109	6,440	250	SH		SOLE		0	0	250
LINDE PLC	SHS	G54950103	11,814	31	SH		SOLE		0	0	31
LIVE NATION ENTERTAINMENT IN	COM	538034109	1,823	20	SH		SOLE		0	0	20
LOCKHEED MARTIN CORP	COM	539830109	6,446	14	SH		SOLE		0	0	14
LOUISIANA PAC CORP	COM	546347105	1,125	15	SH		SOLE		0	0	15
LOWES COS INC	COM	548661107	96,374	427	SH		SOLE		0	0	427
LULULEMON ATHLETICA INC	COM	550021109	378,500	1,000	SH		SOLE		0	0	1,000
M & T BK CORP	COM	55261F104	26,980	218	SH		SOLE		0	0	218
MAGNA INTL INC	COM	559222401	18,174	322	SH		SOLE		0	0	322
MARATHON PETE CORP	COM	56585A102	9,678	83	SH		SOLE		0	0	83
MASTERCARD INCORPORATED	CL A	57636Q104	88,493	225	SH		SOLE		0	0	225
MCCORMICK & CO INC	COM NON VTG	579780206	171,844	1,970	SH		SOLE		0	0	1,970
MCDONALDS CORP	COM	580135101	44,165	148	SH		SOLE		0	0	148
MDU RES GROUP INC	COM	552690109	20,689	988	SH		SOLE		0	0	988
MERCK & CO INC	COM	58933Y105	304,053	2,635	SH		SOLE		0	0	2,635
META PLATFORMS INC	CL A	30303M102	964,827	3,362	SH		SOLE		0	0	3,362
METLIFE INC	COM	59156R108	5,936	105	SH		SOLE		0	0	105
MICRON TECHNOLOGY INC	COM	595112103	25,623	406	SH		SOLE		0	0	406
MICROSOFT CORP	COM	594918104	1,234,800	3,626	SH		SOLE		0	0	3,626
MODERNA INC	COM	60770K107	4,739	39	SH		SOLE		0	0	39
MONDELEZ INTL INC	CL A	609207105	14,151	194	SH		SOLE		0	0	194
MONSTER BEVERAGE CORP NEW	COM	61174X109	23,781	414	SH		SOLE		0	0	414
MORGAN STANLEY	COM NEW	617446448	238,864	2,797	SH		SOLE		0	0	2,797
MOTOROLA SOLUTIONS INC	COM NEW	620076307	4,106	14	SH		SOLE		0	0	14
NASDAQ INC	COM	631103108	6,730	135	SH		SOLE		0	0	135
NAVIENT CORPORATION	COM	63938C108	10,884	586	SH		SOLE		0	0	586
NCR CORP NEW	COM	62886E108	303	12	SH		SOLE		0	0	12
NETFLIX INC	COM	64110L106	140,517	319	SH		SOLE		0	0	319
NEXTERA ENERGY INC	COM	65339F101	196,408	2,647	SH		SOLE		0	0	2,647
NICE LTD	SPONSORED ADR	653656108	2,272	11	SH		SOLE		0	0	11
NIKE INC	CL B	654106103	5,519	50	SH		SOLE		0	0	50
NORFOLK SOUTHN CORP	COM	655844108	70,976	313	SH		SOLE		0	0	313
NORTHROP GRUMMAN CORP	COM	666807102	18,232	40	SH		SOLE		0	0	40
NOVARTIS AG	SPONSORED ADR	66987V109	16,247	161	SH		SOLE		0	0	161
NOVAVAX INC	COM NEW	670002401	1,115	150	SH		SOLE		0	0	150
NUVEEN MUN VALUE FD INC	COM	670928100	32,190	3,700	SH		SOLE		0	0	3,700
NVIDIA CORPORATION	COM	67066G104	78,239	185	SH		SOLE		0	0	185
NXP SEMICONDUCTORS N V	COM	N6596X109	16,784	82	SH		SOLE		0	0	82
OCEANFIRST FINL CORP	COM	675234108	27,335	1,750	SH		SOLE		0	0	1,750
OGE ENERGY CORP	COM	670837103	19,176	534	SH		SOLE		0	0	534
ON HLDG AG	NAMEN AKT A	H5919C104	13,200	400	SH		SOLE		0	0	400
OPENDOOR TECHNOLOGIES INC	COM	683712103	1,206	300	SH		SOLE		0	0	300
ORACLE CORP	COM	68389X105	16,673	140	SH		SOLE		0	0	140
OREILLY AUTOMOTIVE INC	COM	67103H107	85,022	89	SH		SOLE		0	0	89
ORGANON & CO	COMMON STOCK	68622V106	2,747	132	SH		SOLE		0	0	132
ORMAT TECHNOLOGIES INC	COM	686688102	23,575	293	SH		SOLE		0	0	293
OTIS WORLDWIDE CORP	COM	68902V107	13,352	150	SH		SOLE		0	0	150
PACER FDS TR	US CASH COWS 100	69374H881	3,543	74	SH		SOLE		0	0	74
PALANTIR TECHNOLOGIES INC	CL A	69608A108	291,623	19,023	SH		SOLE		0	0	19,023
PARAMOUNT GLOBAL	CLASS B COM	92556H206	26,109	1,641	SH		SOLE		0	0	1,641
PARKER-HANNIFIN CORP	COM	701094104	2,731	7	SH		SOLE		0	0	7
PAYCHEX INC	COM	704326107	2,685	24	SH		SOLE		0	0	24
PAYCOM SOFTWARE INC	COM	70432V102	12,208	38	SH		SOLE		0	0	38
PAYPAL HLDGS INC	COM	70450Y103	12,012	180	SH		SOLE		0	0	180
PEAKSTONE REALTY TRUST	COMMON SHARES	39818P799	43,639	1,563	SH		SOLE		0	0	1,563
PEPSICO INC	COM	713448108	133,938	723	SH		SOLE		0	0	723
PFIZER INC	COM	717081103	125,666	3,426	SH		SOLE		0	0	3,426
PG&E CORP	COM	69331C108	11,284	653	SH		SOLE		0	0	653
PHILIP MORRIS INTL INC	COM	718172109	42,953	440	SH		SOLE		0	0	440
PHILLIPS EDISON & CO INC	COMMON STOCK	71844V201	20,142	591	SH		SOLE		0	0	591
PLANET FITNESS INC	CL A	72703H101	1,889	28	SH		SOLE		0	0	28
PNC FINL SVCS GROUP INC	COM	693475105	351,223	2,789	SH		SOLE		0	0	2,789
POLARIS INC	COM	731068102	4,717	39	SH		SOLE		0	0	39
PPG INDS INC	COM	693506107	4,449	30	SH		SOLE		0	0	30
PRICE T ROWE GROUP INC	COM	74144T108	100,999	902	SH		SOLE		0	0	902
PRINCIPAL FINANCIAL GROUP IN	COM	74251V102	28,744	379	SH		SOLE		0	0	379
PROCTER AND GAMBLE CO	COM	742718109	98,025	646	SH		SOLE		0	0	646
PROGRESSIVE CORP	COM	743315103	5,560	42	SH		SOLE		0	0	42
PROLOGIS INC.	COM	74340W103	6,868	56	SH		SOLE		0	0	56
PROSHARES TR	S&P 500 DV ARIST	74348A467	26,776	284	SH		SOLE		0	0	284
PROSHARES TR	SP500 EX FINLS	74347B573	172,818	1,800	SH		SOLE		0	0	1,800
QUALCOMM INC	COM	747525103	168,085	1,412	SH		SOLE		0	0	1,412
QUANTUMSCAPE CORP	COM CL A	74767V109	3,492	437	SH		SOLE		0	0	437
QUEST DIAGNOSTICS INC	COM	74834L100	58,473	416	SH		SOLE		0	0	416
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	69,944	714	SH		SOLE		0	0	714
RB GLOBAL INC	COM	74935Q107	12,360	206	SH		SOLE		0	0	206
REGIONS FINANCIAL CORP NEW	COM	7591EP100	17,820	1,000	SH		SOLE		0	0	1,000
REPUBLIC SVCS INC	COM	760759100	1,992	13	SH		SOLE		0	0	13
RIO TINTO PLC	SPONSORED ADR	767204100	3,129	49	SH		SOLE		0	0	49
ROCKET COS INC	COM CL A	77311W101	1,792	200	SH		SOLE		0	0	200
ROYAL BK CDA	COM	780087102	5,063	53	SH		SOLE		0	0	53
RPM INTL INC	COM	749685103	59,222	660	SH		SOLE		0	0	660
S&P GLOBAL INC	COM	78409V104	14,032	35	SH		SOLE		0	0	35
SALESFORCE INC	COM	79466L302	12,465	59	SH		SOLE		0	0	59
SANDY SPRING BANCORP INC	COM	800363103	22,680	1,000	SH		SOLE		0	0	1,000
SBA COMMUNICATIONS CORP NEW	CL A	78410G104	696	3	SH		SOLE		0	0	3
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	210,799	5,913	SH		SOLE		0	0	5,913
SCHWAB STRATEGIC TR	INTL SCEQT ETF	808524888	551,465	16,330	SH		SOLE		0	0	16,330
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	10,547	204	SH		SOLE		0	0	204
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	88,960	1,225	SH		SOLE		0	0	1,225
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	1,975,408	29,444	SH		SOLE		0	0	29,444
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	637,762	12,178	SH		SOLE		0	0	12,178
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	240,813	5,498	SH		SOLE		0	0	5,498
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	6,921,270	132,010	SH		SOLE		0	0	132,010
SCIENCE APPLICATIONS INTL CO	COM	808625107	5,062	45	SH		SOLE		0	0	45
SELECT SECTOR SPDR TR	COMMUNICATION	81369Y852	9,828	151	SH		SOLE		0	0	151
SELECT SECTOR SPDR TR	ENERGY	81369Y506	42,209	520	SH		SOLE		0	0	520
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	28,823	855	SH		SOLE		0	0	855
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	15,283	90	SH		SOLE		0	0	90
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	14,389	194	SH		SOLE		0	0	194
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	40,218	303	SH		SOLE		0	0	303
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	7,835	73	SH		SOLE		0	0	73
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	9,424	144	SH		SOLE		0	0	144
SELECT SECTOR SPDR TR	SBI MATERIALS	81369Y100	21,961	265	SH		SOLE		0	0	265
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	8,693	50	SH		SOLE		0	0	50
SENSATA TECHNOLOGIES HLDG PL	SHS	G8060N102	1,125	25	SH		SOLE		0	0	25
SERVICENOW INC	COM	81762P102	10,116	18	SH		SOLE		0	0	18
SHELL PLC	SPON ADS	780259305	967	16	SH		SOLE		0	0	16
SHOPIFY INC	CL A	82509L107	32,559	504	SH		SOLE		0	0	504
SHORE BANCSHARES INC	COM	825107105	5,376	465	SH		SOLE		0	0	465
SNAP INC	CL A	83304A106	17,760	1,500	SH		SOLE		0	0	1,500
SOFI TECHNOLOGIES INC	COM	83406F102	8,340	1,000	SH		SOLE		0	0	1,000
SONY GROUP CORPORATION	SPONSORED ADR	835699307	4,322	48	SH		SOLE		0	0	48
SOUTHERN CO	COM	842587107	19,670	280	SH		SOLE		0	0	280
SOUTHWEST AIRLS CO	COM	844741108	21,970	607	SH		SOLE		0	0	607
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	420,873	1,224	SH		SOLE		0	0	1,224
SPDR GOLD TR	GOLD SHS	78463V107	403,247	2,262	SH		SOLE		0	0	2,262
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	4,019,048	123,511	SH		SOLE		0	0	123,511
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	2,340,207	68,069	SH		SOLE		0	0	68,069
SPDR INDEX SHS FDS	S&P INTL SMLCP	78463X871	4,639,953	152,080	SH		SOLE		0	0	152,080
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,491,638	3,365	SH		SOLE		0	0	3,365
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	29,214	61	SH		SOLE		0	0	61
SPDR SER TR	BLOOMBERG 1-3 MO	78468R663	20,385	222	SH		SOLE		0	0	222
SPDR SER TR	DJ REIT ETF	78464A607	4,342	48	SH		SOLE		0	0	48
SPDR SER TR	NUVEEN BLMBRG SH	78468R739	27,337	581	SH		SOLE		0	0	581
SPDR SER TR	PORTFOLI S&P1500	78464A805	1,622,108	29,796	SH		SOLE		0	0	29,796
SPDR SER TR	PORTFOLIO INTRMD	78464A375	95,046	2,960	SH		SOLE		0	0	2,960
SPDR SER TR	PORTFOLIO LN TSR	78464A664	17,372	581	SH		SOLE		0	0	581
SPDR SER TR	PORTFOLIO S&P400	78464A847	2,908,944	63,389	SH		SOLE		0	0	63,389
SPDR SER TR	PORTFOLIO S&P500	78464A854	782	15	SH		SOLE		0	0	15
SPDR SER TR	PORTFOLIO S&P600	78468R853	1,814,954	46,729	SH		SOLE		0	0	46,729
SPDR SER TR	PRTFLO S&P500 VL	78464A508	3,780,518	87,512	SH		SOLE		0	0	87,512
SPDR SER TR	RUSSELL LOW VOL	78468R754	3,583	33	SH		SOLE		0	0	33
SPDR SER TR	S&P 400 MDCP VAL	78464A839	3,574,029	51,963	SH		SOLE		0	0	51,963
SPDR SER TR	S&P 600 SMCP VAL	78464A300	3,871,335	50,153	SH		SOLE		0	0	50,153
SPDR SER TR	S&P BIOTECH	78464A870	89,690	1,078	SH		SOLE		0	0	1,078
SPDR SER TR	SPDR S&P1500VL	78464A128	9,210	62	SH		SOLE		0	0	62
STAGWELL INC	COM CL A	85256A109	17,889	2,481	SH		SOLE		0	0	2,481
STARBUCKS CORP	COM	855244109	68,550	692	SH		SOLE		0	0	692
STERIS PLC	SHS USD	G8473T100	4,050	18	SH		SOLE		0	0	18
STRYKER CORPORATION	COM	863667101	8,238	27	SH		SOLE		0	0	27
SYNCHRONY FINANCIAL	COM	87165B103	13,331	393	SH		SOLE		0	0	393
SYSCO CORP	COM	871829107	253,690	3,419	SH		SOLE		0	0	3,419
TARGET CORP	COM	87612E106	24,784	188	SH		SOLE		0	0	188
TECHNIPFMC PLC	COM	G87110105	8,792	529	SH		SOLE		0	0	529
TERADATA CORP DEL	COM	88076W103	641	12	SH		SOLE		0	0	12
TESLA INC	COM	88160R101	33,769	129	SH		SOLE		0	0	129
TEXAS INSTRS INC	COM	882508104	6,481	36	SH		SOLE		0	0	36
TFI INTL INC	COM	87241L109	7,408	65	SH		SOLE		0	0	65
THE CIGNA GROUP	COM	125523100	118,133	421	SH		SOLE		0	0	421
THERMO FISHER SCIENTIFIC INC	COM	883556102	30,262	58	SH		SOLE		0	0	58
THOMSON REUTERS CORP.	COM	884903808	21,996	163	SH		SOLE		0	0	163
TIDAL ETF TR	SOFI NEXT 500	886364306	647	53	SH		SOLE		0	0	53
TIDAL ETF TR	SOFI SELCT 500	886364207	6,233	398	SH		SOLE		0	0	398
TIMKEN CO	COM	887389104	4,669	51	SH		SOLE		0	0	51
TJX COS INC NEW	COM	872540109	694,091	8,186	SH		SOLE		0	0	8,186
TORONTO DOMINION BK ONT	COM NEW	891160509	14,511	234	SH		SOLE		0	0	234
TOYOTA MOTOR CORP	ADS	892331307	3,858	24	SH		SOLE		0	0	24
TRAVELERS COMPANIES INC	COM	89417E109	121,736	701	SH		SOLE		0	0	701
TRIMBLE INC	COM	896239100	95,292	1,800	SH		SOLE		0	0	1,800
TRUIST FINL CORP	COM	89832Q109	188,626	6,215	SH		SOLE		0	0	6,215
TWILIO INC	CL A	90138F102	637	10	SH		SOLE		0	0	10
TYLER TECHNOLOGIES INC	COM	902252105	14,160	34	SH		SOLE		0	0	34
UBS GROUP AG	SHS	H42097107	6,264	309	SH		SOLE		0	0	309
UDR INC	COM	902653104	15,466	360	SH		SOLE		0	0	360
UNDER ARMOUR INC	CL A	904311107	32,642	4,521	SH		SOLE		0	0	4,521
UNDER ARMOUR INC	CL C	904311206	5,241	781	SH		SOLE		0	0	781
UNILEVER PLC	SPON ADR NEW	904767704	1,147	22	SH		SOLE		0	0	22
UNION PAC CORP	COM	907818108	437,273	2,137	SH		SOLE		0	0	2,137
UNITED PARCEL SERVICE INC	CL B	911312106	30,473	170	SH		SOLE		0	0	170
UNITEDHEALTH GROUP INC	COM	91324P102	27,397	57	SH		SOLE		0	0	57
US BANCORP DEL	COM NEW	902973304	10,111	306	SH		SOLE		0	0	306
VANECK ETF TRUST	MRNGSTR WDE MOAT	92189F643	559	7	SH		SOLE		0	0	7
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	15,989	174	SH		SOLE		0	0	174
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	1,028,584	13,611	SH		SOLE		0	0	13,611
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	2,112,227	29,058	SH		SOLE		0	0	29,058
VANGUARD BD INDEX FDS	VANGUARD ULTRA	92203C303	2,744,112	55,820	SH		SOLE		0	0	55,820
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	2,920,005	59,738	SH		SOLE		0	0	59,738
VANGUARD INDEX FDS	EXTEND MKT ETF	922908652	10,716	72	SH		SOLE		0	0	72
VANGUARD INDEX FDS	GROWTH ETF	922908736	26,316	93	SH		SOLE		0	0	93
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	823,873	4,064	SH		SOLE		0	0	4,064
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	8,081,995	58,404	SH		SOLE		0	0	58,404
VANGUARD INDEX FDS	MID CAP ETF	922908629	12,614,971	57,299	SH		SOLE		0	0	57,299
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	1,469,095	17,581	SH		SOLE		0	0	17,581
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	6,359,162	15,614	SH		SOLE		0	0	15,614
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	8,924,776	53,959	SH		SOLE		0	0	53,959
VANGUARD INDEX FDS	SMALL CP ETF	922908751	8,404,690	42,258	SH		SOLE		0	0	42,258
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	22,974	100	SH		SOLE		0	0	100
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	15,218,890	69,089	SH		SOLE		0	0	69,089
VANGUARD INDEX FDS	VALUE ETF	922908744	16,975,072	119,459	SH		SOLE		0	0	119,459
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	491,265	9,029	SH		SOLE		0	0	9,029
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	6,923,226	170,187	SH		SOLE		0	0	170,187
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	5,869,330	53,126	SH		SOLE		0	0	53,126
VANGUARD INTL EQUITY INDEX F	GLB EX US ETF	922042676	81	2	SH		SOLE		0	0	2
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	113,659	1,172	SH		SOLE		0	0	1,172
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	25,655	541	SH		SOLE		0	0	541
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	2,459,424	48,973	SH		SOLE		0	0	48,973
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	6,703,319	84,820	SH		SOLE		0	0	84,820
VANGUARD SCOTTSDALE FDS	MTG-BKD SECS ETF	92206C771	5,762,693	125,303	SH		SOLE		0	0	125,303
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	13,092,899	173,049	SH		SOLE		0	0	173,049
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	23,285	143	SH		SOLE		0	0	143
VANGUARD STAR FDS	VG TL INTL STK F	921909768	63,932	1,140	SH		SOLE		0	0	1,140
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	15,480,199	335,214	SH		SOLE		0	0	335,214
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	70,092	661	SH		SOLE		0	0	661
VANGUARD WORLD FD	ESG INTL STK ETF	921910725	61,183	1,152	SH		SOLE		0	0	1,152
VANGUARD WORLD FD	ESG US CORP BD	921910691	41,031	662	SH		SOLE		0	0	662
VANGUARD WORLD FD	ESG US STK ETF	921910733	141,579	1,807	SH		SOLE		0	0	1,807
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	3,050,345	19,496	SH		SOLE		0	0	19,496
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	1,467,271	14,141	SH		SOLE		0	0	14,141
VANGUARD WORLD FDS	CONSUM STP ETF	92204A207	7,390	38	SH		SOLE		0	0	38
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	1,469	6	SH		SOLE		0	0	6
VANGUARD WORLD FDS	INF TECH ETF	92204A702	6,191	14	SH		SOLE		0	0	14
VANGUARD WORLD FDS	MATERIALS ETF	92204A801	9,463	52	SH		SOLE		0	0	52
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	105,206	740	SH		SOLE		0	0	740
VEEVA SYS INC	CL A COM	922475108	10,480	53	SH		SOLE		0	0	53
VERISK ANALYTICS INC	COM	92345Y106	13,788	61	SH		SOLE		0	0	61
VERIZON COMMUNICATIONS INC	COM	92343V104	38,938	1,047	SH		SOLE		0	0	1,047
VERTEX PHARMACEUTICALS INC	COM	92532F100	2,112	6	SH		SOLE		0	0	6
VIATRIS INC	COM	92556V106	2,625	263	SH		SOLE		0	0	263
VISA INC	COM CL A	92826C839	304,907	1,284	SH		SOLE		0	0	1,284
VMWARE INC	CL A COM	928563402	14,369	100	SH		SOLE		0	0	100
WABTEC	COM	929740108	1,581	14	SH		SOLE		0	0	14
WALMART INC	COM	931142103	584,290	3,717	SH		SOLE		0	0	3,717
WARNER BROS DISCOVERY INC	COM SER A	934423104	9,205	734	SH		SOLE		0	0	734
WASTE MGMT INC DEL	COM	94106L109	40,234	232	SH		SOLE		0	0	232
WELLS FARGO CO NEW	COM	949746101	55,397	1,298	SH		SOLE		0	0	1,298
WELLTOWER INC	COM	95040Q104	40,445	500	SH		SOLE		0	0	500
WEST PHARMACEUTICAL SVSC INC	COM	955306105	17,594	46	SH		SOLE		0	0	46
WILLIAMS COS INC	COM	969457100	9,006	276	SH		SOLE		0	0	276
WILLIS TOWERS WATSON PLC LTD	SHS	G96629103	9,656	41	SH		SOLE		0	0	41
WOLFSPEED INC	COM	977852102	5,559	100	SH		SOLE		0	0	100
WOODSIDE ENERGY GROUP LTD	SPONSORED ADR	980228308	603	26	SH		SOLE		0	0	26
XCEL ENERGY INC	COM	98389B100	16,103	259	SH		SOLE		0	0	259
XEROX HOLDINGS CORP	COM NEW	98421M106	1,117	75	SH		SOLE		0	0	75
YUM CHINA HLDGS INC	COM	98850P109	4,520	80	SH		SOLE		0	0	80
ZOETIS INC	CL A	98978V103	36,509	212	SH		SOLE		0	0	212