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

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	49,338	527	SH		SOLE		0	0	527
ABBOTT LABS	COM	002824100	135,784	1,402	SH		SOLE		0	0	1,402
ABBVIE INC	COM	00287Y109	164,414	1,103	SH		SOLE		0	0	1,103
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	3,993	13	SH		SOLE		0	0	13
ADOBE INC	COM	00724F101	3,060	6	SH		SOLE		0	0	6
AFLAC INC	COM	001055102	26,863	350	SH		SOLE		0	0	350
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	261	3	SH		SOLE		0	0	3
ALPHABET INC	CAP STK CL A	02079K305	230,314	1,760	SH		SOLE		0	0	1,760
ALPHABET INC	CAP STK CL C	02079K107	1,488,191	11,287	SH		SOLE		0	0	11,287
ALTRIA GROUP INC	COM	02209S103	7,023	167	SH		SOLE		0	0	167
AMAZON COM INC	COM	023135106	447,336	3,519	SH		SOLE		0	0	3,519
AMERICAN CENTY ETF TR	AVANTIS ALL EQT	025072232	291,051	4,949	SH		SOLE		0	0	4,949
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	3,887,192	73,635	SH		SOLE		0	0	73,635
AMERICAN CENTY ETF TR	AVANTIS RESPON U	025072281	67,551	1,363	SH		SOLE		0	0	1,363
AMERICAN CENTY ETF TR	AVANTIS RESPONSI	025072315	4,578	102	SH		SOLE		0	0	102
AMERICAN CENTY ETF TR	AVANTIS RESPONSI	025072299	6,278	128	SH		SOLE		0	0	128
AMERICAN CENTY ETF TR	AVANTIS US SMALL	025072323	166,279	3,756	SH		SOLE		0	0	3,756
AMERICAN CENTY ETF TR	INTL EQT ETF	025072703	17,260,813	310,167	SH		SOLE		0	0	310,167
AMERICAN CENTY ETF TR	INTL SMCP VLU	025072802	1,599,855	27,655	SH		SOLE		0	0	27,655
AMERICAN CENTY ETF TR	REAL ESTATE ETF	025072356	28,403	756	SH		SOLE		0	0	756
AMERICAN CENTY ETF TR	US EQT ETF	025072885	5,092,083	69,507	SH		SOLE		0	0	69,507
AMERICAN CENTY ETF TR	US LARGE CAP VLU	025072349	9,746	185	SH		SOLE		0	0	185
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	2,320,703	29,772	SH		SOLE		0	0	29,772
AMERICAN ELEC PWR CO INC	COM	025537101	8,425	112	SH		SOLE		0	0	112
AMERICAN EXPRESS CO	COM	025816109	25,214	169	SH		SOLE		0	0	169
AMERICAN INTL GROUP INC	COM NEW	026874784	8,363	138	SH		SOLE		0	0	138
AMERICAN TOWER CORP NEW	COM	03027X100	26,148	159	SH		SOLE		0	0	159
AMERIPRISE FINL INC	COM	03076C106	2,308	7	SH		SOLE		0	0	7
AMGEN INC	COM	031162100	72,566	270	SH		SOLE		0	0	270
ANALOG DEVICES INC	COM	032654105	12,607	72	SH		SOLE		0	0	72
ANSYS INC	COM	03662Q105	9,522	32	SH		SOLE		0	0	32
APOLLO GLOBAL MGMT INC	COM	03769M106	11,220	125	SH		SOLE		0	0	125
APPLE INC	COM	037833100	2,199,084	12,844	SH		SOLE		0	0	12,844
APPLIED MATLS INC	COM	038222105	2,354	17	SH		SOLE		0	0	17
APTIV PLC	SHS	G6095L109	12,324	125	SH		SOLE		0	0	125
APYX MEDICAL CORPORATION	COM	03837C106	5,018	1,568	SH		SOLE		0	0	1,568
ARCH CAP GROUP LTD	ORD	G0450A105	188,515	2,365	SH		SOLE		0	0	2,365
ARK ETF TR	AUTNMUS TECHNLGY	00214Q203	1,574	30	SH		SOLE		0	0	30
ARK ETF TR	INNOVATION ETF	00214Q104	33,244	838	SH		SOLE		0	0	838
AT&T INC	COM	00206R102	32,266	2,148	SH		SOLE		0	0	2,148
ATMOS ENERGY CORP	COM	049560105	1,272	12	SH		SOLE		0	0	12
AUTOMATIC DATA PROCESSING IN	COM	053015103	221,334	920	SH		SOLE		0	0	920
AUTONATION INC	COM	05329W102	175,624	1,160	SH		SOLE		0	0	1,160
BANK AMERICA CORP	COM	060505104	278,845	10,184	SH		SOLE		0	0	10,184
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	531,477	1	SH		SOLE		0	0	1
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	772,762	2,206	SH		SOLE		0	0	2,206
BHP GROUP LTD	SPONSORED ADS	088606108	4,096	72	SH		SOLE		0	0	72
BLACKROCK INC	COM	09247X101	47,194	73	SH		SOLE		0	0	73
BLACKROCK MUN INCOME TR	SH BEN INT	09248F109	10,201	1,150	SH		SOLE		0	0	1,150
BLOCK H & R INC	COM	093671105	3,704	86	SH		SOLE		0	0	86
BLOCK INC	CL A	852234103	1,328	30	SH		SOLE		0	0	30
BOEING CO	COM	097023105	39,487	206	SH		SOLE		0	0	206
BRISTOL-MYERS SQUIBB CO	COM	110122108	179,112	3,086	SH		SOLE		0	0	3,086
BROADCOM INC	COM	11135F101	69,769	84	SH		SOLE		0	0	84
BROADRIDGE FINL SOLUTIONS IN	COM	11133T103	53,715	300	SH		SOLE		0	0	300
BROOKFIELD RENEWABLE CORP	CL A SUB VTG	11284V105	22,839	954	SH		SOLE		0	0	954
BROOKFIELD RENEWABLE PARTNER	PARTNERSHIP UNIT	G16258108	587	27	SH		SOLE		0	0	27
BROWN & BROWN INC	COM	115236101	86,323	1,236	SH		SOLE		0	0	1,236
BROWN FORMAN CORP	CL A	115637100	31,374	540	SH		SOLE		0	0	540
BROWN FORMAN CORP	CL B	115637209	517,537	8,971	SH		SOLE		0	0	8,971
CALLON PETE CO DEL	COM	13123X508	14,827	379	SH		SOLE		0	0	379
CANADIAN PACIFIC KANSAS CITY	COM	13646K108	41,149	553	SH		SOLE		0	0	553
CANOPY GROWTH CORP	COM	138035100	20	25	SH		SOLE		0	0	25
CAPITAL ONE FINL CORP	COM	14040H105	30,382	313	SH		SOLE		0	0	313
CARGURUS INC	COM CL A	141788109	17,520	1,000	SH		SOLE		0	0	1,000
CARRIER GLOBAL CORPORATION	COM	14448C104	17,554	318	SH		SOLE		0	0	318
CATERPILLAR INC	COM	149123101	20,202	74	SH		SOLE		0	0	74
CENTENE CORP DEL	COM	15135B101	6,062	88	SH		SOLE		0	0	88
CENTRAIS ELETRICAS BRASILEIR	SPONSORED ADR	15234Q207	2,903	397	SH		SOLE		0	0	397
CHEVRON CORP NEW	COM	166764100	117,191	695	SH		SOLE		0	0	695
CHIPOTLE MEXICAN GRILL INC	COM	169656105	31,142	17	SH		SOLE		0	0	17
CHUBB LIMITED	COM	H1467J104	36,016	173	SH		SOLE		0	0	173
CHURCH & DWIGHT CO INC	COM	171340102	1,467	16	SH		SOLE		0	0	16
CISCO SYS INC	COM	17275R102	604,585	11,246	SH		SOLE		0	0	11,246
COCA COLA CO	COM	191216100	48,479	866	SH		SOLE		0	0	866
CODEXIS INC	COM	192005106	9,450	5,000	SH		SOLE		0	0	5,000
COMCAST CORP NEW	CL A	20030N101	74,669	1,684	SH		SOLE		0	0	1,684
CONDUENT INC	COM	206787103	178	51	SH		SOLE		0	0	51
CONOCOPHILLIPS	COM	20825C104	22,882	191	SH		SOLE		0	0	191
CONSOLIDATED EDISON INC	COM	209115104	25,659	300	SH		SOLE		0	0	300
CONSTELLATION BRANDS INC	CL A	21036P108	18,850	75	SH		SOLE		0	0	75
CONSTELLATION ENERGY CORP	COM	21037T109	10,145	93	SH		SOLE		0	0	93
COPART INC	COM	217204106	31,025	720	SH		SOLE		0	0	720
CORBUS PHARMACEUTICALS HLDGS	COM NEW	21833P301	156	23	SH		SOLE		0	0	23
CORNING INC	COM	219350105	3,047	100	SH		SOLE		0	0	100
CORTEVA INC	COM	22052L104	4,349	85	SH		SOLE		0	0	85
COSTAR GROUP INC	COM	22160N109	16,147	210	SH		SOLE		0	0	210
COSTCO WHSL CORP NEW	COM	22160K105	79,763	141	SH		SOLE		0	0	141
COTERRA ENERGY INC	COM	127097103	1,001	37	SH		SOLE		0	0	37
CSX CORP	COM	126408103	37,915	1,233	SH		SOLE		0	0	1,233
D R HORTON INC	COM	23331A109	79,098	736	SH		SOLE		0	0	736
DANAHER CORPORATION	COM	235851102	36,223	146	SH		SOLE		0	0	146
DBV TECHNOLOGIES S A	SPONSORED ADR	23306J101	368	270	SH		SOLE		0	0	270
DEERE & CO	COM	244199105	51,324	136	SH		SOLE		0	0	136
DESKTOP METAL INC	COM CL A	25058X105	730	500	SH		SOLE		0	0	500
DIAGEO PLC	SPON ADR NEW	25243Q205	9,846	66	SH		SOLE		0	0	66
DIMENSIONAL ETF TRUST	CORE FIXED INCOM	25434V872	870,418	21,561	SH		SOLE		0	0	21,561
DIMENSIONAL ETF TRUST	EMERGING MARKETS	25434V682	39,207	1,334	SH		SOLE		0	0	1,334
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	5,898,744	261,353	SH		SOLE		0	0	261,353
DIMENSIONAL ETF TRUST	INFLATION PROTE	25434V856	2,493,858	62,707	SH		SOLE		0	0	62,707
DIMENSIONAL ETF TRUST	INTERNATIONAL	25434V690	35,630	1,241	SH		SOLE		0	0	1,241
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	554,508	16,999	SH		SOLE		0	0	16,999
DIMENSIONAL ETF TRUST	INTL CORE EQT MK	25434V203	8,347,759	319,715	SH		SOLE		0	0	319,715
DIMENSIONAL ETF TRUST	INTL HIGH PROFIT	25434V765	447,243	19,286	SH		SOLE		0	0	19,286
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	856,913	36,035	SH		SOLE		0	0	36,035
DIMENSIONAL ETF TRUST	NATL MUN BD ETF	25434V849	650,952	14,008	SH		SOLE		0	0	14,008
DIMENSIONAL ETF TRUST	SHORT DURATION F	25434V864	10,418,015	224,623	SH		SOLE		0	0	224,623
DIMENSIONAL ETF TRUST	US CORE EQT MKT	25434V104	20,362,184	679,873	SH		SOLE		0	0	679,873
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	4,331,751	165,334	SH		SOLE		0	0	165,334
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	1,892,145	40,648	SH		SOLE		0	0	40,648
DIMENSIONAL ETF TRUST	US HIGH PROFITAB	25434V831	1,117,875	43,514	SH		SOLE		0	0	43,514
DIMENSIONAL ETF TRUST	US LARGE CAP VAL	25434V666	366,469	14,771	SH		SOLE		0	0	14,771
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	1,515,932	44,560	SH		SOLE		0	0	44,560
DIMENSIONAL ETF TRUST	US REAL ESTATE E	25434V823	2,437,970	124,896	SH		SOLE		0	0	124,896
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	7,113,384	135,519	SH		SOLE		0	0	135,519
DIMENSIONAL ETF TRUST	US SMALL CAP VAL	25434V815	1,679,662	66,285	SH		SOLE		0	0	66,285
DIMENSIONAL ETF TRUST	US SUSTAINABILTY	25434V716	129,264	4,659	SH		SOLE		0	0	4,659
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	2,903,920	63,557	SH		SOLE		0	0	63,557
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	976,464	43,360	SH		SOLE		0	0	43,360
DISNEY WALT CO	COM	254687106	79,997	987	SH		SOLE		0	0	987
DOLLAR GEN CORP NEW	COM	256677105	67,183	635	SH		SOLE		0	0	635
DOMINION ENERGY INC	COM	25746U109	21,844	489	SH		SOLE		0	0	489
DOUGLAS DYNAMICS INC	COM	25960R105	12,077	400	SH		SOLE		0	0	400
DOW INC	COM	260557103	10,364	201	SH		SOLE		0	0	201
DRAFTKINGS INC NEW	COM CL A	26142V105	589	20	SH		SOLE		0	0	20
DUPONT DE NEMOURS INC	COM	26614N102	6,341	85	SH		SOLE		0	0	85
EASTMAN CHEM CO	COM	277432100	18,490	241	SH		SOLE		0	0	241
EATON CORP PLC	SHS	G29183103	7,679	36	SH		SOLE		0	0	36
EBAY INC.	COM	278642103	7,937	180	SH		SOLE		0	0	180
ECOLAB INC	COM	278865100	8,132	48	SH		SOLE		0	0	48
EDWARDS LIFESCIENCES CORP	COM	28176E108	14,411	208	SH		SOLE		0	0	208
ELI LILLY & CO	COM	532457108	286,828	534	SH		SOLE		0	0	534
ENERGY TRANSFER L P	COM UT LTD PTN	29273V100	7,198	513	SH		SOLE		0	0	513
EQT CORP	COM	26884L109	359,742	8,865	SH		SOLE		0	0	8,865
EQUINOR ASA	SPONSORED ADR	29446M102	1,476	45	SH		SOLE		0	0	45
EQUITY RESIDENTIAL	SH BEN INT	29476L107	13,680	233	SH		SOLE		0	0	233
EXELON CORP	COM	30161N101	10,544	279	SH		SOLE		0	0	279
EXXON MOBIL CORP	COM	30231G102	244,214	2,077	SH		SOLE		0	0	2,077
F&G ANNUITIES & LIFE INC	COMMON STOCK	30190A104	562	20	SH		SOLE		0	0	20
FACTSET RESH SYS INC	COM	303075105	117,623	269	SH		SOLE		0	0	269
FASTENAL CO	COM	311900104	86,660	1,586	SH		SOLE		0	0	1,586
FEDEX CORP	COM	31428X106	42,279	160	SH		SOLE		0	0	160
FIDELITY NATIONAL FINANCIAL	FNF GROUP COM	31620R303	12,390	300	SH		SOLE		0	0	300
FIRSTENERGY CORP	COM	337932107	7,759	227	SH		SOLE		0	0	227
FISERV INC	COM	337738108	32,307	286	SH		SOLE		0	0	286
FIVE BELOW INC	COM	33829M101	81,577	507	SH		SOLE		0	0	507
FLEXSHARES TR	FLEXSHARES ULTRA	33939L886	2,554	34	SH		SOLE		0	0	34
FLEXSHARES TR	M STAR DEV MKT	33939L803	42,472	679	SH		SOLE		0	0	679
FLEXSHARES TR	MORNSTAR USMKT	33939L100	99,523	611	SH		SOLE		0	0	611
FLEXSHARES TR	MSTAR EMKT FAC	33939L308	10,262	214	SH		SOLE		0	0	214
FMC CORP	COM NEW	302491303	57	85	SH		SOLE		0	0	85
FORD MTR CO DEL	COM	345370860	3,966	319	SH		SOLE		0	0	319
FORTREA HLDGS INC	COMMON STOCK	34965K107	1,430	50	SH		SOLE		0	0	50
FRESENIUS MED CARE AG&CO KGA	SPONSORED ADR	358029106	50,146	2,328	SH		SOLE		0	0	2,328
FS CREDIT OPPORTUNITIES CORP	COMMON STOCK	30290Y101	36,293	6,696	SH		SOLE		0	0	6,696
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	8,711	128	SH		SOLE		0	0	128
GENERAC HLDGS INC	COM	368736104	2,180	20	SH		SOLE		0	0	20
GENERAL DYNAMICS CORP	COM	369550108	34,513	156	SH		SOLE		0	0	156
GENERAL ELECTRIC CO	COM NEW	369604301	43,104	390	SH		SOLE		0	0	390
GENERAL MTRS CO	COM	37045V100	19,090	579	SH		SOLE		0	0	579
GENUINE PARTS CO	COM	372460105	17,037	118	SH		SOLE		0	0	118
GLEN BURNIE BANCORP	COM	377407101	6,520	1,000	SH		SOLE		0	0	1,000
GLOBAL MED REIT INC	COM NEW	37954A204	40,062	4,466	SH		SOLE		0	0	4,466
GLOBAL X FDS	US PFD ETF	37954Y657	12,288	653	SH		SOLE		0	0	653
GLOBANT S A	COM	L44385109	15,235	77	SH		SOLE		0	0	77
GOLDMAN SACHS GROUP INC	COM	38141G104	16,765	52	SH		SOLE		0	0	52
GRAND CANYON ED INC	COM	38526M106	12,857	110	SH		SOLE		0	0	110
GXO LOGISTICS INCORPORATED	COMMON STOCK	36262G101	998	17	SH		SOLE		0	0	17
HANESBRANDS INC	COM	410345102	662	167	SH		SOLE		0	0	167
HANNON ARMSTRONG SUST INFR C	COM	41068X100	180,995	8,537	SH		SOLE		0	0	8,537
HEICO CORP NEW	COM	422806109	16,032	99	SH		SOLE		0	0	99
HOME DEPOT INC	COM	437076102	281,009	930	SH		SOLE		0	0	930
HONEYWELL INTL INC	COM	438516106	42,491	230	SH		SOLE		0	0	230
HUMANA INC	COM	444859102	31,138	64	SH		SOLE		0	0	64
IDEXX LABS INC	COM	45168D104	9,183	21	SH		SOLE		0	0	21
ILLUMINA INC	COM	452327109	13,728	100	SH		SOLE		0	0	100
INDEXIQ ETF TR	IQ MRGR ARB ETF	45409B800	20,534	650	SH		SOLE		0	0	650
INFOSYS LTD	SPONSORED ADR	456788108	3,286	192	SH		SOLE		0	0	192
INSTALLED BLDG PRODS INC	COM	45780R101	14,488	116	SH		SOLE		0	0	116
INTEL CORP	COM	458140100	23,250	654	SH		SOLE		0	0	654
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	1,761	16	SH		SOLE		0	0	16
INTERNATIONAL BUSINESS MACHS	COM	459200101	58,085	414	SH		SOLE		0	0	414
INTERPUBLIC GROUP COS INC	COM	460690100	141,581	4,940	SH		SOLE		0	0	4,940
INTUIT	COM	461202103	61,313	120	SH		SOLE		0	0	120
INVESCO EXCHANGE TRADED FD T	DIVID ACHIEVEV	46137V506	146,120	4,000	SH		SOLE		0	0	4,000
INVESCO EXCHANGE TRADED FD T	NASDAQ INTERNT	46137V530	55,224	1,800	SH		SOLE		0	0	1,800
INVESCO EXCHANGE TRADED FD T	S&P500 EQL TEC	46137V282	47,325	1,681	SH		SOLE		0	0	1,681
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	7,178,463	50,663	SH		SOLE		0	0	50,663
INVESCO EXCHANGE TRADED FD T	WILDERHIL CLAN	46137V134	49,408	1,572	SH		SOLE		0	0	1,572
INVESCO MORTGAGE CAPITAL INC	COM	46131B704	501	50	SH		SOLE		0	0	50
INVESCO QQQ TR	UNIT SER 1	46090E103	215,742	602	SH		SOLE		0	0	602
IONQ INC	COM	46222L108	72,049	4,842	SH		SOLE		0	0	4,842
ISHARES INC	CORE MSCI EMKT	46434G103	1,455,782	30,590	SH		SOLE		0	0	30,590
ISHARES INC	MSCI EMRG CHN	46434G764	49,233	988	SH		SOLE		0	0	988
ISHARES TR	1 3 YR TREAS BD	464287457	13,846	171	SH		SOLE		0	0	171
ISHARES TR	20 YR TR BD ETF	464287432	14,900	168	SH		SOLE		0	0	168
ISHARES TR	7-10 YR TRSY BD	464287440	52,756	576	SH		SOLE		0	0	576
ISHARES TR	BLACKROCK ULTRA	46434V878	20,152	400	SH		SOLE		0	0	400
ISHARES TR	COHEN STEER REIT	464287564	13,443	268	SH		SOLE		0	0	268
ISHARES TR	CORE MSCI EAFE	46432F842	2,664,148	41,401	SH		SOLE		0	0	41,401
ISHARES TR	CORE S&P MCP ETF	464287507	3,367,223	13,504	SH		SOLE		0	0	13,504
ISHARES TR	CORE S&P SCP ETF	464287804	1,211,481	12,843	SH		SOLE		0	0	12,843
ISHARES TR	CORE S&P500 ETF	464287200	5,393,269	12,559	SH		SOLE		0	0	12,559
ISHARES TR	CORE US AGGBD ET	464287226	119,901	1,275	SH		SOLE		0	0	1,275
ISHARES TR	EAFE SML CP ETF	464288273	142,418	2,522	SH		SOLE		0	0	2,522
ISHARES TR	EXPANDED TECH	464287515	2,208,294	6,471	SH		SOLE		0	0	6,471
ISHARES TR	GL CLEAN ENE ETF	464288224	84,256	5,763	SH		SOLE		0	0	5,763
ISHARES TR	JPMORGAN USD EMG	464288281	11,223	136	SH		SOLE		0	0	136
ISHARES TR	MBS ETF	464288588	95,549	1,076	SH		SOLE		0	0	1,076
ISHARES TR	MRGSTR MD CP ETF	464288208	41,811	700	SH		SOLE		0	0	700
ISHARES TR	MSCI ACWI ETF	464288257	2,587	28	SH		SOLE		0	0	28
ISHARES TR	MSCI EAFE ETF	464287465	2,982,307	43,272	SH		SOLE		0	0	43,272
ISHARES TR	MSCI EMG MKT ETF	464287234	3,644	96	SH		SOLE		0	0	96
ISHARES TR	MSCI GBL SUS DEV	46435G532	777,244	10,430	SH		SOLE		0	0	10,430
ISHARES TR	MSCI KLD400 SOC	464288570	1,407,254	17,286	SH		SOLE		0	0	17,286
ISHARES TR	MSCI USA MIN VOL	46429B697	93,371	1,290	SH		SOLE		0	0	1,290
ISHARES TR	MSCI USA QLT FCT	46432F339	115,224	874	SH		SOLE		0	0	874
ISHARES TR	RUS 1000 GRW ETF	464287614	173,692	653	SH		SOLE		0	0	653
ISHARES TR	RUS 1000 VAL ETF	464287598	911	6	SH		SOLE		0	0	6
ISHARES TR	RUS 2000 GRW ETF	464287648	5,604	25	SH		SOLE		0	0	25
ISHARES TR	RUS 2000 VAL ETF	464287630	161,908	1,194	SH		SOLE		0	0	1,194
ISHARES TR	RUS MDCP VAL ETF	464287473	1,744,686	16,721	SH		SOLE		0	0	16,721
ISHARES TR	RUS MID CAP ETF	464287499	487,659	7,042	SH		SOLE		0	0	7,042
ISHARES TR	RUSSELL 2000 ETF	464287655	43,125	244	SH		SOLE		0	0	244
ISHARES TR	S&P 500 GRWT ETF	464287309	35,510	519	SH		SOLE		0	0	519
ISHARES TR	SELECT DIVID ETF	464287168	129,168	1,200	SH		SOLE		0	0	1,200
ISHARES TR	SP SMCP600VL ETF	464287879	446,011	4,999	SH		SOLE		0	0	4,999
ISHARES TR	TIPS BD ETF	464287176	6,431	62	SH		SOLE		0	0	62
ISHARES TR	U.S. MED DVC ETF	464288810	17,751	366	SH		SOLE		0	0	366
ISHARES TR	U.S. UTILITS ETF	464287697	71,667	974	SH		SOLE		0	0	974
JANUS HENDERSON GROUP PLC	ORD SHS	G4474Y214	2,634	102	SH		SOLE		0	0	102
JOHNSON & JOHNSON	COM	478160104	361,963	2,324	SH		SOLE		0	0	2,324
JOHNSON CTLS INTL PLC	SHS	G51502105	15,431	290	SH		SOLE		0	0	290
JPMORGAN CHASE & CO	COM	46625H100	250,876	1,730	SH		SOLE		0	0	1,730
KIMBERLY-CLARK CORP	COM	494368103	13,052	108	SH		SOLE		0	0	108
KNIFE RIVER CORP	COMMON STOCK	498894104	12,062	247	SH		SOLE		0	0	247
KROGER CO	COM	501044101	14,432	322	SH		SOLE		0	0	322
KYNDRYL HLDGS INC	COMMON STOCK	50155Q100	1,208	80	SH		SOLE		0	0	80
LABORATORY CORP AMER HLDGS	COM NEW	50540R409	10,053	50	SH		SOLE		0	0	50
LAMB WESTON HLDGS INC	COM	513272104	1,480	16	SH		SOLE		0	0	16
LAUDER ESTEE COS INC	CL A	518439104	434	3	SH		SOLE		0	0	3
LENNAR CORP	CL A	526057104	24,579	219	SH		SOLE		0	0	219
LINCOLN NATL CORP IND	COM	534187109	6,173	250	SH		SOLE		0	0	250
LINDE PLC	SHS	G54950103	25,693	69	SH		SOLE		0	0	69
LIVE NATION ENTERTAINMENT IN	COM	538034109	1,661	20	SH		SOLE		0	0	20
LOCKHEED MARTIN CORP	COM	539830109	5,726	14	SH		SOLE		0	0	14
LOUISIANA PAC CORP	COM	546347105	830	15	SH		SOLE		0	0	15
LOWES COS INC	COM	548661107	88,748	427	SH		SOLE		0	0	427
LULULEMON ATHLETICA INC	COM	550021109	385,610	1,000	SH		SOLE		0	0	1,000
M & T BK CORP	COM	55261F104	27,567	218	SH		SOLE		0	0	218
MAGNA INTL INC	COM	559222401	17,263	322	SH		SOLE		0	0	322
MARATHON PETE CORP	COM	56585A102	12,562	83	SH		SOLE		0	0	83
MASTERCARD INCORPORATED	CL A	57636Q104	111,647	282	SH		SOLE		0	0	282
MCCORMICK & CO INC	COM NON VTG	579780206	160,357	2,120	SH		SOLE		0	0	2,120
MCDONALDS CORP	COM	580135101	49,791	189	SH		SOLE		0	0	189
MDU RES GROUP INC	COM	552690109	19,346	988	SH		SOLE		0	0	988
MERCK & CO INC	COM	58933Y105	289,084	2,808	SH		SOLE		0	0	2,808
META PLATFORMS INC	CL A	30303M102	1,012,909	3,374	SH		SOLE		0	0	3,374
METLIFE INC	COM	59156R108	17,615	280	SH		SOLE		0	0	280
MICRON TECHNOLOGY INC	COM	595112103	27,621	406	SH		SOLE		0	0	406
MICROSOFT CORP	COM	594918104	1,187,536	3,761	SH		SOLE		0	0	3,761
MODERNA INC	COM	60770K107	4,029	39	SH		SOLE		0	0	39
MONDELEZ INTL INC	CL A	609207105	13,464	194	SH		SOLE		0	0	194
MONSTER BEVERAGE CORP NEW	COM	61174X109	21,922	414	SH		SOLE		0	0	414
MORGAN STANLEY	COM NEW	617446448	228,431	2,797	SH		SOLE		0	0	2,797
MOTOROLA SOLUTIONS INC	COM NEW	620076307	3,812	14	SH		SOLE		0	0	14
NASDAQ INC	COM	631103108	6,560	135	SH		SOLE		0	0	135
NAVIENT CORPORATION	COM	63938C108	10,187	591	SH		SOLE		0	0	591
NCR CORP NEW	COM	62886E108	324	12	SH		SOLE		0	0	12
NETFLIX INC	COM	64110L106	120,455	319	SH		SOLE		0	0	319
NEXTERA ENERGY INC	COM	65339F101	161,043	2,811	SH		SOLE		0	0	2,811
NIKE INC	CL B	654106103	4,781	50	SH		SOLE		0	0	50
NORFOLK SOUTHN CORP	COM	655844108	61,640	313	SH		SOLE		0	0	313
NORTHROP GRUMMAN CORP	COM	666807102	17,608	40	SH		SOLE		0	0	40
NOVARTIS AG	SPONSORED ADR	66987V109	16,400	161	SH		SOLE		0	0	161
NOVAVAX INC	COM NEW	670002401	1,086	150	SH		SOLE		0	0	150
NUVEEN MUN VALUE FD INC	COM	670928100	30,562	3,700	SH		SOLE		0	0	3,700
NVIDIA CORPORATION	COM	67066G104	73,928	170	SH		SOLE		0	0	170
NXP SEMICONDUCTORS N V	COM	N6596X109	16,394	82	SH		SOLE		0	0	82
OCEANFIRST FINL CORP	COM	675234108	25,323	1,750	SH		SOLE		0	0	1,750
OGE ENERGY CORP	COM	670837103	17,799	534	SH		SOLE		0	0	534
OLO INC	CL A	68134L109	819	135	SH		SOLE		0	0	135
ON HLDG AG	NAMEN AKT A	H5919C104	11,128	400	SH		SOLE		0	0	400
OPENDOOR TECHNOLOGIES INC	COM	683712103	789	300	SH		SOLE		0	0	300
ORACLE CORP	COM	68389X105	14,829	140	SH		SOLE		0	0	140
OREILLY AUTOMOTIVE INC	COM	67103H107	80,889	89	SH		SOLE		0	0	89
ORGANON & CO	COMMON STOCK	68622V106	2,587	149	SH		SOLE		0	0	149
ORMAT TECHNOLOGIES INC	COM	686688102	20,487	293	SH		SOLE		0	0	293
OTIS WORLDWIDE CORP	COM	68902V107	12,047	150	SH		SOLE		0	0	150
PACER FDS TR	US CASH COWS 100	69374H881	3,658	74	SH		SOLE		0	0	74
PALANTIR TECHNOLOGIES INC	CL A	69608A108	304,368	19,023	SH		SOLE		0	0	19,023
PALO ALTO NETWORKS INC	COM	697435105	1,407	6	SH		SOLE		0	0	6
PARAMOUNT GLOBAL	CLASS B COM	92556H206	21,169	1,641	SH		SOLE		0	0	1,641
PARKER-HANNIFIN CORP	COM	701094104	2,727	7	SH		SOLE		0	0	7
PAYCHEX INC	COM	704326107	2,768	24	SH		SOLE		0	0	24
PAYCOM SOFTWARE INC	COM	70432V102	9,853	38	SH		SOLE		0	0	38
PAYPAL HLDGS INC	COM	70450Y103	11,108	190	SH		SOLE		0	0	190
PENTAIR PLC	SHS	G7S00T104	22,663	350	SH		SOLE		0	0	350
PEPSICO INC	COM	713448108	110,475	652	SH		SOLE		0	0	652
PFIZER INC	COM	717081103	54,631	1,647	SH		SOLE		0	0	1,647
PG&E CORP	COM	69331C108	10,533	653	SH		SOLE		0	0	653
PHILIP MORRIS INTL INC	COM	718172109	40,736	440	SH		SOLE		0	0	440
PHILLIPS EDISON & CO INC	COMMON STOCK	71844V201	19,823	591	SH		SOLE		0	0	591
PLANET FITNESS INC	CL A	72703H101	1,378	28	SH		SOLE		0	0	28
PNC FINL SVCS GROUP INC	COM	693475105	342,355	2,789	SH		SOLE		0	0	2,789
POLARIS INC	COM	731068102	4,062	39	SH		SOLE		0	0	39
PPG INDS INC	COM	693506107	3,894	30	SH		SOLE		0	0	30
PRICE T ROWE GROUP INC	COM	74144T108	94,553	902	SH		SOLE		0	0	902
PRINCIPAL FINANCIAL GROUP IN	COM	74251V102	27,315	379	SH		SOLE		0	0	379
PROCTER AND GAMBLE CO	COM	742718109	110,271	756	SH		SOLE		0	0	756
PROGRESSIVE CORP	COM	743315103	5,851	42	SH		SOLE		0	0	42
PROLOGIS INC.	COM	74340W103	6,284	56	SH		SOLE		0	0	56
PROSHARES TR	S&P 500 DV ARIST	74348A467	25,149	284	SH		SOLE		0	0	284
PROSHARES TR	SP500 EX FINLS	74347B573	166,446	1,800	SH		SOLE		0	0	1,800
QUALCOMM INC	COM	747525103	156,817	1,412	SH		SOLE		0	0	1,412
QUANTUMSCAPE CORP	COM CL A	74767V109	2,924	437	SH		SOLE		0	0	437
QUEST DIAGNOSTICS INC	COM	74834L100	18,645	153	SH		SOLE		0	0	153
RB GLOBAL INC	COM	74935Q107	12,875	206	SH		SOLE		0	0	206
REGIONS FINANCIAL CORP NEW	COM	7591EP100	17,200	1,000	SH		SOLE		0	0	1,000
REPUBLIC SVCS INC	COM	760759100	1,853	13	SH		SOLE		0	0	13
RIO TINTO PLC	SPONSORED ADR	767204100	3,119	49	SH		SOLE		0	0	49
ROCKET COS INC	COM CL A	77311W101	1,636	200	SH		SOLE		0	0	200
ROYAL BK CDA	COM	780087102	4,635	53	SH		SOLE		0	0	53
RPM INTL INC	COM	749685103	62,575	660	SH		SOLE		0	0	660
RTX CORPORATION	COM	75513E101	57,433	798	SH		SOLE		0	0	798
S&P GLOBAL INC	COM	78409V104	12,790	35	SH		SOLE		0	0	35
SALESFORCE INC	COM	79466L302	11,965	59	SH		SOLE		0	0	59
SANDY SPRING BANCORP INC	COM	800363103	21,430	1,000	SH		SOLE		0	0	1,000
SBA COMMUNICATIONS CORP NEW	CL A	78410G104	601	3	SH		SOLE		0	0	3
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	201,485	5,933	SH		SOLE		0	0	5,933
SCHWAB STRATEGIC TR	INTL SCEQT ETF	808524888	526,643	16,330	SH		SOLE		0	0	16,330
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	10,170	204	SH		SOLE		0	0	204
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	86,681	1,225	SH		SOLE		0	0	1,225
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	1,902,507	29,515	SH		SOLE		0	0	29,515
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	616,207	12,178	SH		SOLE		0	0	12,178
SCHWAB STRATEGIC TR	US REIT ETF	808524847	14,200	800	SH		SOLE		0	0	800
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	227,728	5,498	SH		SOLE		0	0	5,498
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	6,325,919	125,291	SH		SOLE		0	0	125,291
SCIENCE APPLICATIONS INTL CO	COM	808625107	4,750	45	SH		SOLE		0	0	45
SELECT SECTOR SPDR TR	ENERGY	81369Y506	47,003	520	SH		SOLE		0	0	520
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	28,361	855	SH		SOLE		0	0	855
SELECT SECTOR SPDR TR	INDL	81369Y704	7,401	73	SH		SOLE		0	0	73
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	3,220	20	SH		SOLE		0	0	20
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	2,134	31	SH		SOLE		0	0	31
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	39,009	303	SH		SOLE		0	0	303
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	204,913	1,250	SH		SOLE		0	0	1,250
SENSATA TECHNOLOGIES HLDG PL	SHS	G8060N102	946	25	SH		SOLE		0	0	25
SERVICENOW INC	COM	81762P102	10,062	18	SH		SOLE		0	0	18
SHELL PLC	SPON ADS	780259305	1,031	16	SH		SOLE		0	0	16
SHOPIFY INC	CL A	82509L107	27,504	504	SH		SOLE		0	0	504
SHORE BANCSHARES INC	COM	825107105	4,892	465	SH		SOLE		0	0	465
SNAP INC	CL A	83304A106	13,365	1,500	SH		SOLE		0	0	1,500
SOFI TECHNOLOGIES INC	COM	83406F102	7,990	1,000	SH		SOLE		0	0	1,000
SONY GROUP CORP	SPONSORED ADR	835699307	3,956	48	SH		SOLE		0	0	48
SOUTHERN CO	COM	842587107	18,122	280	SH		SOLE		0	0	280
SOUTHWEST AIRLS CO	COM	844741108	16,585	613	SH		SOLE		0	0	613
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	409,979	1,224	SH		SOLE		0	0	1,224
SPDR GOLD TR	GOLD SHS	78463V107	387,820	2,262	SH		SOLE		0	0	2,262
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	3,818,603	123,141	SH		SOLE		0	0	123,141
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	2,184,630	65,077	SH		SOLE		0	0	65,077
SPDR INDEX SHS FDS	S&P INTL SMLCP	78463X871	4,426,504	151,905	SH		SOLE		0	0	151,905
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,881,340	4,401	SH		SOLE		0	0	4,401
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	27,856	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	3,982	48	SH		SOLE		0	0	48
SPDR SER TR	NUVEEN BLMBRG SH	78468R739	26,860	581	SH		SOLE		0	0	581
SPDR SER TR	PORTFOLI S&P1500	78464A805	1,415,727	26,971	SH		SOLE		0	0	26,971
SPDR SER TR	PORTFOLIO INTRMD	78464A375	93,092	2,960	SH		SOLE		0	0	2,960
SPDR SER TR	PORTFOLIO LN TSR	78464A664	15,194	581	SH		SOLE		0	0	581
SPDR SER TR	PORTFOLIO S&P400	78464A847	2,785,149	63,602	SH		SOLE		0	0	63,602
SPDR SER TR	PORTFOLIO S&P500	78464A854	754	15	SH		SOLE		0	0	15
SPDR SER TR	PORTFOLIO S&P600	78468R853	1,735,743	47,039	SH		SOLE		0	0	47,039
SPDR SER TR	PRTFLO S&P500 VL	78464A508	3,557,561	86,223	SH		SOLE		0	0	86,223
SPDR SER TR	RUSSELL LOW VOL	78468R754	3,461	33	SH		SOLE		0	0	33
SPDR SER TR	S&P 400 MDCP VAL	78464A839	3,374,017	52,020	SH		SOLE		0	0	52,020
SPDR SER TR	S&P 600 SMCP VAL	78464A300	3,631,047	50,173	SH		SOLE		0	0	50,173
SPDR SER TR	S&P BIOTECH	78464A870	78,716	1,078	SH		SOLE		0	0	1,078
SPDR SER TR	S&P SEMICNDCTR	78464A862	125,839	642	SH		SOLE		0	0	642
SPDR SER TR	SPDR S&P1500VL	78464A128	8,964	62	SH		SOLE		0	0	62
STAGWELL INC	COM CL A	85256A109	11,636	2,481	SH		SOLE		0	0	2,481
STARBUCKS CORP	COM	855244109	63,159	692	SH		SOLE		0	0	692
STERIS PLC	SHS USD	G8473T100	3,950	18	SH		SOLE		0	0	18
STRYKER CORPORATION	COM	863667101	7,379	27	SH		SOLE		0	0	27
SYNCHRONY FINANCIAL	COM	87165B103	12,015	393	SH		SOLE		0	0	393
SYSCO CORP	COM	871829107	232,827	3,525	SH		SOLE		0	0	3,525
TARGET CORP	COM	87612E106	20,881	189	SH		SOLE		0	0	189
TECHNIPFMC PLC	COM	G87110105	10,760	529	SH		SOLE		0	0	529
TERADATA CORP DEL	COM	88076W103	541	12	SH		SOLE		0	0	12
TESLA INC	COM	88160R101	32,279	129	SH		SOLE		0	0	129
TEXAS INSTRS INC	COM	882508104	24,806	156	SH		SOLE		0	0	156
TFI INTL INC	COM	87241L109	8,347	65	SH		SOLE		0	0	65
THE CIGNA GROUP	COM	125523100	120,436	421	SH		SOLE		0	0	421
THERMO FISHER SCIENTIFIC INC	COM	883556102	29,358	58	SH		SOLE		0	0	58
THIRD HARMONIC BIO INC	COM	88427A107	31,950	5,000	SH		SOLE		0	0	5,000
THOMSON REUTERS CORP.	COM	884903808	19,939	163	SH		SOLE		0	0	163
TIDAL ETF TR	SOFI NEXT 500	886364306	624	53	SH		SOLE		0	0	53
TIDAL ETF TR	SOFI SELCT 500	886364207	6,086	398	SH		SOLE		0	0	398
TIMKEN CO	COM	887389104	3,748	51	SH		SOLE		0	0	51
TJX COS INC NEW	COM	872540109	719,751	8,098	SH		SOLE		0	0	8,098
TORONTO DOMINION BK ONT	COM NEW	891160509	14,101	234	SH		SOLE		0	0	234
TOYOTA MOTOR CORP	ADS	892331307	4,314	24	SH		SOLE		0	0	24
TRAVELERS COMPANIES INC	COM	89417E109	121,340	743	SH		SOLE		0	0	743
TRIMBLE INC	COM	896239100	96,948	1,800	SH		SOLE		0	0	1,800
TRUIST FINL CORP	COM	89832Q109	177,812	6,215	SH		SOLE		0	0	6,215
TWILIO INC	CL A	90138F102	586	10	SH		SOLE		0	0	10
TYLER TECHNOLOGIES INC	COM	902252105	13,129	34	SH		SOLE		0	0	34
UBS GROUP AG	SHS	H42097107	7,617	309	SH		SOLE		0	0	309
UDR INC	COM	902653104	12,842	360	SH		SOLE		0	0	360
UNDER ARMOUR INC	CL A	904311107	30,969	4,521	SH		SOLE		0	0	4,521
UNDER ARMOUR INC	CL C	904311206	4,983	781	SH		SOLE		0	0	781
UNILEVER PLC	SPON ADR NEW	904767704	1,087	22	SH		SOLE		0	0	22
UNION PAC CORP	COM	907818108	370,607	1,820	SH		SOLE		0	0	1,820
UNITED NAT FOODS INC	COM	911163103	1,344	95	SH		SOLE		0	0	95
UNITED PARCEL SERVICE INC	CL B	911312106	40,527	260	SH		SOLE		0	0	260
UNITEDHEALTH GROUP INC	COM	91324P102	39,832	79	SH		SOLE		0	0	79
US BANCORP DEL	COM NEW	902973304	10,117	306	SH		SOLE		0	0	306
VANECK ETF TRUST	MRNGSTR WDE MOAT	92189F643	531	7	SH		SOLE		0	0	7
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	15,208	174	SH		SOLE		0	0	174
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	816,798	10,866	SH		SOLE		0	0	10,866
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	2,078,817	29,791	SH		SOLE		0	0	29,791
VANGUARD BD INDEX FDS	VANGUARD ULTRA	92203C303	3,097,798	62,976	SH		SOLE		0	0	62,976
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	2,637,943	55,152	SH		SOLE		0	0	55,152
VANGUARD INDEX FDS	EXTEND MKT ETF	922908652	10,320	72	SH		SOLE		0	0	72
VANGUARD INDEX FDS	GROWTH ETF	922908736	25,325	93	SH		SOLE		0	0	93
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	795,303	4,064	SH		SOLE		0	0	4,064
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	8,094,553	61,809	SH		SOLE		0	0	61,809
VANGUARD INDEX FDS	MID CAP ETF	922908629	12,516,330	60,105	SH		SOLE		0	0	60,105
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	1,438,769	19,016	SH		SOLE		0	0	19,016
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	5,809,107	14,793	SH		SOLE		0	0	14,793
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	8,594,642	53,888	SH		SOLE		0	0	53,888
VANGUARD INDEX FDS	SMALL CP ETF	922908751	7,885,619	41,707	SH		SOLE		0	0	41,707
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	21,418	100	SH		SOLE		0	0	100
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	14,495,646	68,244	SH		SOLE		0	0	68,244
VANGUARD INDEX FDS	VALUE ETF	922908744	16,333,646	118,420	SH		SOLE		0	0	118,420
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	470,547	9,072	SH		SOLE		0	0	9,072
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	6,581,923	167,863	SH		SOLE		0	0	167,863
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	5,452,271	51,340	SH		SOLE		0	0	51,340
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	109,506	1,175	SH		SOLE		0	0	1,175
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	25,579	541	SH		SOLE		0	0	541
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	1,270,947	26,423	SH		SOLE		0	0	26,423
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	5,052,704	66,500	SH		SOLE		0	0	66,500
VANGUARD SCOTTSDALE FDS	MTG-BKD SECS ETF	92206C771	5,098,768	116,463	SH		SOLE		0	0	116,463
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	13,081,731	174,075	SH		SOLE		0	0	174,075
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	22,275	143	SH		SOLE		0	0	143
VANGUARD STAR FDS	VG TL INTL STK F	921909768	61,013	1,140	SH		SOLE		0	0	1,140
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	15,125,902	345,972	SH		SOLE		0	0	345,972
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	68,275	661	SH		SOLE		0	0	661
VANGUARD WORLD FD	ESG INTL STK ETF	921910725	58,107	1,152	SH		SOLE		0	0	1,152
VANGUARD WORLD FD	ESG US CORP BD	921910691	39,317	662	SH		SOLE		0	0	662
VANGUARD WORLD FD	ESG US STK ETF	921910733	135,923	1,807	SH		SOLE		0	0	1,807
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	3,807,533	25,071	SH		SOLE		0	0	25,071
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	1,927,209	19,006	SH		SOLE		0	0	19,006
VANGUARD WORLD FDS	CONSUM STP ETF	92204A207	6,942	38	SH		SOLE		0	0	38
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	1,411	6	SH		SOLE		0	0	6
VANGUARD WORLD FDS	INF TECH ETF	92204A702	5,809	14	SH		SOLE		0	0	14
VANGUARD WORLD FDS	MATERIALS ETF	92204A801	8,972	52	SH		SOLE		0	0	52
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	95,655	750	SH		SOLE		0	0	750
VEEVA SYS INC	CL A COM	922475108	10,783	53	SH		SOLE		0	0	53
VERISK ANALYTICS INC	COM	92345Y106	14,411	61	SH		SOLE		0	0	61
VERIZON COMMUNICATIONS INC	COM	92343V104	36,786	1,135	SH		SOLE		0	0	1,135
VERTEX PHARMACEUTICALS INC	COM	92532F100	2,087	6	SH		SOLE		0	0	6
VIATRIS INC	COM	92556V106	2,860	290	SH		SOLE		0	0	290
VISA INC	COM CL A	92826C839	313,027	1,361	SH		SOLE		0	0	1,361
VMWARE INC	CL A COM	928563402	16,648	100	SH		SOLE		0	0	100
WABTEC	COM	929740108	1,532	14	SH		SOLE		0	0	14
WALMART INC	COM	931142103	529,007	3,308	SH		SOLE		0	0	3,308
WARNER BROS DISCOVERY INC	COM SER A	934423104	7,972	734	SH		SOLE		0	0	734
WASTE MGMT INC DEL	COM	94106L109	49,543	325	SH		SOLE		0	0	325
WEC ENERGY GROUP INC	COM	92939U106	11,680	145	SH		SOLE		0	0	145
WELLS FARGO CO NEW	COM	949746101	53,181	1,302	SH		SOLE		0	0	1,302
WELLTOWER INC	COM	95040Q104	40,960	500	SH		SOLE		0	0	500
WEST PHARMACEUTICAL SVSC INC	COM	955306105	17,260	46	SH		SOLE		0	0	46
WILLIAMS COS INC	COM	969457100	9,299	276	SH		SOLE		0	0	276
WILLIS TOWERS WATSON PLC LTD	SHS	G96629103	8,568	41	SH		SOLE		0	0	41
WOLFSPEED INC	COM	977852102	3,810	100	SH		SOLE		0	0	100
WOODSIDE ENERGY GROUP LTD	SPONSORED ADR	980228308	606	26	SH		SOLE		0	0	26
XCEL ENERGY INC	COM	98389B100	14,820	259	SH		SOLE		0	0	259
XEROX HOLDINGS CORP	COM NEW	98421M106	1,177	75	SH		SOLE		0	0	75
YUM CHINA HLDGS INC	COM	98850P109	4,458	80	SH		SOLE		0	0	80
ZOETIS INC	CL A	98978V103	55,848	321	SH		SOLE		0	0	321