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	23,923	175	SH		SOLE		0	0	175
ABBOTT LABS	COM	002824100	42,585	374	SH		SOLE		0	0	374
ABBVIE INC	COM	00287Y109	97,918	496	SH		SOLE		0	0	496
ABERCROMBIE & FITCH CO	CL A	002896207	28	0	SH		SOLE		0	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	27,925	79	SH		SOLE		0	0	79
ADOBE INC	COM	00724F101	3,625	7	SH		SOLE		0	0	7
ADVANCED MICRO DEVICES INC	COM	007903107	150	1	SH		SOLE		0	0	1
AES CORP	COM	00130H105	207	10	SH		SOLE		0	0	10
AFFILIATED MANAGERS GROUP IN	COM	008252108	265	1	SH		SOLE		0	0	1
AIRBNB INC	COM CL A	009066101	355	3	SH		SOLE		0	0	3
AKAMAI TECHNOLOGIES INC	COM	00971T101	6,360	63	SH		SOLE		0	0	63
ALLSTATE CORP	COM	020002101	190	1	SH		SOLE		0	0	1
ALPHABET INC	CAP STK CL A	02079K305	169,708	1,023	SH		SOLE		0	0	1,023
ALPHABET INC	CAP STK CL C	02079K107	405,202	2,424	SH		SOLE		0	0	2,424
ALTRIA GROUP INC	COM	02209S103	8,524	167	SH		SOLE		0	0	167
AMAZON COM INC	COM	023135106	467,823	2,511	SH		SOLE		0	0	2,511
AMDOCS LTD	SHS	G02602103	251	3	SH		SOLE		0	0	3
AMERICAN CENTY ETF TR	AVANTIS ALL EQT	025072232	772,488	10,457	SH		SOLE		0	0	10,457
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	9,839,665	152,317	SH		SOLE		0	0	152,317
AMERICAN CENTY ETF TR	INTL EQT ETF	025072703	24,021,139	358,364	SH		SOLE		0	0	358,364
AMERICAN CENTY ETF TR	INTL SMCP VLU	025072802	319,924	4,527	SH		SOLE		0	0	4,527
AMERICAN CENTY ETF TR	US EQT ETF	025072885	474,989	4,992	SH		SOLE		0	0	4,992
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	649,678	6,771	SH		SOLE		0	0	6,771
AMERICAN ELEC PWR CO INC	COM	025537101	11,492	112	SH		SOLE		0	0	112
AMERICAN EXPRESS CO	COM	025816109	53,969	199	SH		SOLE		0	0	199
AMERICAN INTL GROUP INC	COM NEW	026874784	10,106	138	SH		SOLE		0	0	138
AMERICAN TOWER CORP NEW	COM	03027X100	36,047	155	SH		SOLE		0	0	155
AMERIPRISE FINL INC	COM	03076C106	33,827	72	SH		SOLE		0	0	72
AMETEK INC	COM	031100100	258	2	SH		SOLE		0	0	2
AMGEN INC	COM	031162100	81,197	252	SH		SOLE		0	0	252
AMPHENOL CORP NEW	CL A	032095101	735	11	SH		SOLE		0	0	11
ANALOG DEVICES INC	COM	032654105	16,573	72	SH		SOLE		0	0	72
ANSYS INC	COM	03662Q105	10,197	32	SH		SOLE		0	0	32
APOLLO GLOBAL MGMT INC	COM	03769M106	15,614	125	SH		SOLE		0	0	125
APPLE INC	COM	037833100	1,492,154	6,404	SH		SOLE		0	0	6,404
APPLIED MATLS INC	COM	038222105	550	3	SH		SOLE		0	0	3
APTIV PLC	SHS	G6095L109	9,002	125	SH		SOLE		0	0	125
APYX MEDICAL CORPORATION	COM	03837C106	1,945	1,568	SH		SOLE		0	0	1,568
ARES MANAGEMENT CORPORATION	CL A COM STK	03990B101	435	3	SH		SOLE		0	0	3
ARISTA NETWORKS INC	COM	040413106	492	1	SH		SOLE		0	0	1
ARK ETF TR	AUTNMUS TECHNLGY	00214Q203	1,828	30	SH		SOLE		0	0	30
ARK ETF TR	INNOVATION ETF	00214Q104	8,033	169	SH		SOLE		0	0	169
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	192	0	SH		SOLE		0	0	0
ASTRAZENECA PLC	SPONSORED ADR	046353108	935	12	SH		SOLE		0	0	12
AUTOMATIC DATA PROCESSING IN	COM	053015103	27,673	100	SH		SOLE		0	0	100
AUTOZONE INC	COM	053332102	378	0	SH		SOLE		0	0	0
BANK AMERICA CORP	COM	060505104	233,515	5,885	SH		SOLE		0	0	5,885
BEACON ROOFING SUPPLY INC	COM	073685109	173	2	SH		SOLE		0	0	2
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	691,180	1	SH		SOLE		0	0	1
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	913,386	1,985	SH		SOLE		0	0	1,985
BHP GROUP LTD	SPONSORED ADS	088606108	4,472	72	SH		SOLE		0	0	72
BIOGEN INC	COM	09062X103	4,265	22	SH		SOLE		0	0	22
BJS WHSL CLUB HLDGS INC	COM	05550J101	69	1	SH		SOLE		0	0	1
BLACKROCK INC	COM	09247X101	71,698	76	SH		SOLE		0	0	76
BLOCK H & R INC	COM	093671105	548	9	SH		SOLE		0	0	9
BOEING CO	COM	097023105	31,321	206	SH		SOLE		0	0	206
BOOKING HOLDINGS INC	COM	09857L108	422	0	SH		SOLE		0	0	0
BOOZ ALLEN HAMILTON HLDG COR	CL A	099502106	12,370	76	SH		SOLE		0	0	76
BOSTON SCIENTIFIC CORP	COM	101137107	1,000	12	SH		SOLE		0	0	12
BRISTOL-MYERS SQUIBB CO	COM	110122108	6,368	123	SH		SOLE		0	0	123
BROADCOM INC	COM	11135F101	189,612	1,099	SH		SOLE		0	0	1,099
CADENCE DESIGN SYSTEM INC	COM	127387108	28,489	105	SH		SOLE		0	0	105
CAPITAL GROUP GBL GROWTH EQT	SHS CREATION UNI	14020X104	7	0	SH		SOLE		0	0	0
CAPITAL ONE FINL CORP	COM	14040H105	47,885	320	SH		SOLE		0	0	320
CARDINAL HEALTH INC	COM	14149Y108	222	2	SH		SOLE		0	0	2
CARRIER GLOBAL CORPORATION	COM	14448C104	24,348	302	SH		SOLE		0	0	302
CARVANA CO	CL A	146869102	182	1	SH		SOLE		0	0	1
CATERPILLAR INC	COM	149123101	28,943	74	SH		SOLE		0	0	74
CBRE GROUP INC	CL A	12504L109	872	7	SH		SOLE		0	0	7
CDW CORP	COM	12514G108	227	1	SH		SOLE		0	0	1
CEL-SCI CORP	COM PAR NEW	150837607	1,037	978	SH		SOLE		0	0	978
CELSIUS HLDGS INC	COM NEW	15118V207	19	1	SH		SOLE		0	0	1
CENCORA INC	COM	03073E105	122	1	SH		SOLE		0	0	1
CENOVUS ENERGY INC	COM	15135U109	260	16	SH		SOLE		0	0	16
CENTENE CORP DEL	COM	15135B101	7,283	97	SH		SOLE		0	0	97
CENTRAIS ELETRICAS BRASILEIR	SPONSORED ADR	15234Q207	2,871	397	SH		SOLE		0	0	397
CF INDS HLDGS INC	COM	125269100	35	0	SH		SOLE		0	0	0
CHEVRON CORP NEW	COM	166764100	73,562	500	SH		SOLE		0	0	500
CHIPOTLE MEXICAN GRILL INC	COM	169656105	40,334	700	SH		SOLE		0	0	700
CHUBB LIMITED	COM	H1467J104	50,469	175	SH		SOLE		0	0	175
CINTAS CORP	COM	172908105	528	3	SH		SOLE		0	0	3
CISCO SYS INC	COM	17275R102	64,034	1,203	SH		SOLE		0	0	1,203
COCA COLA CO	COM	191216100	45,639	635	SH		SOLE		0	0	635
COCA-COLA EUROPACIFIC PARTNE	SHS	G25839104	293	4	SH		SOLE		0	0	4
COGNIZANT TECHNOLOGY SOLUTIO	CL A	192446102	232	3	SH		SOLE		0	0	3
COINBASE GLOBAL INC	COM CL A	19260Q107	74	0	SH		SOLE		0	0	0
COMCAST CORP NEW	CL A	20030N101	52,920	1,267	SH		SOLE		0	0	1,267
CONOCOPHILLIPS	COM	20825C104	22,741	216	SH		SOLE		0	0	216
CONSTELLATION BRANDS INC	CL A	21036P108	19,327	75	SH		SOLE		0	0	75
CONSTELLATION ENERGY CORP	COM	21037T109	16,588	64	SH		SOLE		0	0	64
COPART INC	COM	217204106	210	4	SH		SOLE		0	0	4
CORNING INC	COM	219350105	4,515	100	SH		SOLE		0	0	100
CORTEVA INC	COM	22052L104	4,998	85	SH		SOLE		0	0	85
COSTAR GROUP INC	COM	22160N109	15,843	210	SH		SOLE		0	0	210
COSTCO WHSL CORP NEW	COM	22160K105	105,122	119	SH		SOLE		0	0	119
CROWN CASTLE INC	COM	22822V101	431	4	SH		SOLE		0	0	4
CROWN HLDGS INC	COM	228368106	187	2	SH		SOLE		0	0	2
CSX CORP	COM	126408103	42,576	1,233	SH		SOLE		0	0	1,233
CUMMINS INC	COM	231021106	23,313	72	SH		SOLE		0	0	72
CVS HEALTH CORP	COM	126650100	40	1	SH		SOLE		0	0	1
DANAHER CORPORATION	COM	235851102	74,232	267	SH		SOLE		0	0	267
DEERE & CO	COM	244199105	57,413	138	SH		SOLE		0	0	138
DESKTOP METAL INC	COM CL A	25058X303	234	50	SH		SOLE		0	0	50
DIAGEO PLC	SPON ADR NEW	25243Q205	9,589	68	SH		SOLE		0	0	68
DICKS SPORTING GOODS INC	COM	253393102	471	2	SH		SOLE		0	0	2
DIMENSIONAL ETF TRUST	CORE FIXED INCOM	25434V872	7,757,270	179,608	SH		SOLE		0	0	179,608
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	2,298,247	83,847	SH		SOLE		0	0	83,847
DIMENSIONAL ETF TRUST	GLOBAL CORE PLUS	25434V583	7,866,132	142,761	SH		SOLE		0	0	142,761
DIMENSIONAL ETF TRUST	INFLATION PROTE	25434V856	552,220	13,061	SH		SOLE		0	0	13,061
DIMENSIONAL ETF TRUST	INTL CORE EQT MK	25434V203	1,585,536	49,891	SH		SOLE		0	0	49,891
DIMENSIONAL ETF TRUST	INTL HIGH PROFIT	25434V765	263,206	9,502	SH		SOLE		0	0	9,502
DIMENSIONAL ETF TRUST	NATL MUN BD ETF	25434V849	316,481	6,520	SH		SOLE		0	0	6,520
DIMENSIONAL ETF TRUST	SHORT DURATION F	25434V864	981,105	20,551	SH		SOLE		0	0	20,551
DIMENSIONAL ETF TRUST	US CORE EQT MKT	25434V104	5,021,500	126,518	SH		SOLE		0	0	126,518
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	1,345,403	39,236	SH		SOLE		0	0	39,236
DIMENSIONAL ETF TRUST	US EQUITY MARKET	25434V401	329,723	5,301	SH		SOLE		0	0	5,301
DIMENSIONAL ETF TRUST	US HIGH PROFITAB	25434V831	731,245	21,463	SH		SOLE		0	0	21,463
DIMENSIONAL ETF TRUST	US LARGE CAP VAL	25434V666	16,053	521	SH		SOLE		0	0	521
DIMENSIONAL ETF TRUST	US REAL ESTATE E	25434V823	380,498	14,840	SH		SOLE		0	0	14,840
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	10,467,821	161,391	SH		SOLE		0	0	161,391
DIMENSIONAL ETF TRUST	US SMALL CAP VAL	25434V815	5,405,339	175,498	SH		SOLE		0	0	175,498
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	227,830	8,435	SH		SOLE		0	0	8,435
DISCOVER FINL SVCS	COM	254709108	620	4	SH		SOLE		0	0	4
DISNEY WALT CO	COM	254687106	83,896	872	SH		SOLE		0	0	872
DOLLAR GEN CORP NEW	COM	256677105	53,702	635	SH		SOLE		0	0	635
DOMINION ENERGY INC	COM	25746U109	23,116	400	SH		SOLE		0	0	400
DOW INC	COM	260557103	12,729	233	SH		SOLE		0	0	233
DRAFTKINGS INC NEW	COM CL A	26142V105	784	20	SH		SOLE		0	0	20
DUPONT DE NEMOURS INC	COM	26614N102	10,426	117	SH		SOLE		0	0	117
DYCOM INDS INC	COM	267475101	29,368	149	SH		SOLE		0	0	149
EASTMAN CHEM CO	COM	277432100	22,390	200	SH		SOLE		0	0	200
EATON CORP PLC	SHS	G29183103	12,360	37	SH		SOLE		0	0	37
EBAY INC.	COM	278642103	3,126	48	SH		SOLE		0	0	48
EDISON INTL	COM	281020107	689	8	SH		SOLE		0	0	8
ELEVANCE HEALTH INC	COM	036752103	1,969	4	SH		SOLE		0	0	4
ELI LILLY & CO	COM	532457108	294,416	332	SH		SOLE		0	0	332
EMERSON ELEC CO	COM	291011104	16,301	149	SH		SOLE		0	0	149
ENERGY TRANSFER L P	COM UT LTD PTN	29273V100	8,234	513	SH		SOLE		0	0	513
EQUINOR ASA	SPONSORED ADR	29446M102	2	0	SH		SOLE		0	0	0
EQUITY RESIDENTIAL	SH BEN INT	29476L107	17,350	233	SH		SOLE		0	0	233
EXELON CORP	COM	30161N101	7,685	190	SH		SOLE		0	0	190
EXXON MOBIL CORP	COM	30231G102	89,824	766	SH		SOLE		0	0	766
FASTENAL CO	COM	311900104	91,847	1,286	SH		SOLE		0	0	1,286
FEDEX CORP	COM	31428X106	167	1	SH		SOLE		0	0	1
FIRSTENERGY CORP	COM	337932107	10,068	227	SH		SOLE		0	0	227
FIVE BELOW INC	COM	33829M101	5,920	67	SH		SOLE		0	0	67
FMC CORP	COM NEW	302491303	57	85	SH		SOLE		0	0	85
FORD MTR CO	COM	345370860	1,368	130	SH		SOLE		0	0	130
FORTIVE CORP	COM	34959J108	1,342	17	SH		SOLE		0	0	17
FORTREA HLDGS INC	COMMON STOCK	34965K107	1,000	50	SH		SOLE		0	0	50
FREEPORT-MCMORAN INC	CL B	35671D857	233	5	SH		SOLE		0	0	5
FRESENIUS MEDICAL CARE AG	SPONSORED ADR	358029106	49,587	2,328	SH		SOLE		0	0	2,328
FRONTDOOR INC	COM	35905A109	2,112	44	SH		SOLE		0	0	44
FS CREDIT OPPORTUNITIES CORP	COMMON STOCK	30290Y101	42,520	6,696	SH		SOLE		0	0	6,696
GALLAGHER ARTHUR J & CO	COM	363576109	552	2	SH		SOLE		0	0	2
GARTNER INC	COM	366651107	381	1	SH		SOLE		0	0	1
GE AEROSPACE	COM NEW	369604301	50,060	265	SH		SOLE		0	0	265
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	18,403	196	SH		SOLE		0	0	196
GE VERNOVA INC	COM	36828A101	16,449	65	SH		SOLE		0	0	65
GEN DIGITAL INC	COM	668771108	607	22	SH		SOLE		0	0	22
GENERAC HLDGS INC	COM	368736104	3,178	20	SH		SOLE		0	0	20
GENERAL DYNAMICS CORP	COM	369550108	47,200	156	SH		SOLE		0	0	156
GENERAL MTRS CO	COM	37045V100	24,662	550	SH		SOLE		0	0	550
GENPACT LIMITED	SHS	G3922B107	6	0	SH		SOLE		0	0	0
GENUINE PARTS CO	COM	372460105	16,483	118	SH		SOLE		0	0	118
GLEN BURNIE BANCORP	COM	377407101	5,600	1,000	SH		SOLE		0	0	1,000
GLOBANT S A	COM	L44385109	15,257	77	SH		SOLE		0	0	77
GRAND CANYON ED INC	COM	38526M106	15,604	110	SH		SOLE		0	0	110
GRAYSCALE BITCOIN MINI TR BT	SHS	389930108	13,299	2,362	SH		SOLE		0	0	2,362
GRAYSCALE BITCOIN TR BTC	SHS REP COM UT	389637109	119,281	2,362	SH		SOLE		0	0	2,362
HA SUSTAINABLE INFRA CAP INC	COM	41068X100	294,288	8,537	SH		SOLE		0	0	8,537
HALEON PLC	SPON ADS	405552100	670	63	SH		SOLE		0	0	63
HEICO CORP NEW	CL A	422806208	642	3	SH		SOLE		0	0	3
HEICO CORP NEW	COM	422806109	25,887	99	SH		SOLE		0	0	99
HESS CORP	COM	42809H107	544	4	SH		SOLE		0	0	4
HILTON WORLDWIDE HLDGS INC	COM	43300A203	346	2	SH		SOLE		0	0	2
HOME DEPOT INC	COM	437076102	339,152	837	SH		SOLE		0	0	837
HONEYWELL INTL INC	COM	438516106	60,980	295	SH		SOLE		0	0	295
HUBBELL INC	COM	443510607	429	1	SH		SOLE		0	0	1
HUBSPOT INC	COM	443573100	145	0	SH		SOLE		0	0	0
HUMANA INC	COM	444859102	4,524	14	SH		SOLE		0	0	14
IDEXX LABS INC	COM	45168D104	10,822	21	SH		SOLE		0	0	21
IMPERIAL OIL LTD	COM NEW	453038408	16	0	SH		SOLE		0	0	0
INFOSYS LTD	SPONSORED ADR	456788108	4,276	192	SH		SOLE		0	0	192
INTEL CORP	COM	458140100	14,123	602	SH		SOLE		0	0	602
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	28,916	180	SH		SOLE		0	0	180
INTERNATIONAL BUSINESS MACHS	COM	459200101	2,875	13	SH		SOLE		0	0	13
INTERPUBLIC GROUP COS INC	COM	460690100	156,537	4,949	SH		SOLE		0	0	4,949
INTUIT	COM	461202103	572	1	SH		SOLE		0	0	1
INVESCO EXCH TRADED FD TR II	S&P ULTRA DIVIDE	46138G656	9,988	200	SH		SOLE		0	0	200
INVESCO EXCHANGE TRADED FD T	DIVID ACHIEVEV	46137V506	186,200	4,000	SH		SOLE		0	0	4,000
INVESCO EXCHANGE TRADED FD T	NASDAQ INTERNT	46137V530	78,210	1,800	SH		SOLE		0	0	1,800
INVESCO EXCHANGE TRADED FD T	S&P500 EQL TEC	46137V282	63,379	1,681	SH		SOLE		0	0	1,681
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	8,078,185	45,089	SH		SOLE		0	0	45,089
INVESCO EXCHANGE TRADED FD T	WILDERHIL CLAN	46137V134	31,488	1,572	SH		SOLE		0	0	1,572
INVESCO QQQ TR	UNIT SER 1	46090E103	48,514	99	SH		SOLE		0	0	99
ISHARES INC	CORE MSCI EMKT	46434G103	1,740,503	30,317	SH		SOLE		0	0	30,317
ISHARES INC	MSCI EMRG CHN	46434G764	51,211	838	SH		SOLE		0	0	838
ISHARES TR	COHEN STEER REIT	464287564	17,664	268	SH		SOLE		0	0	268
ISHARES TR	CORE MSCI EAFE	46432F842	2,944,116	37,721	SH		SOLE		0	0	37,721
ISHARES TR	CORE S&P MCP ETF	464287507	3,986,299	63,965	SH		SOLE		0	0	63,965
ISHARES TR	CORE S&P SCP ETF	464287804	1,350,888	11,550	SH		SOLE		0	0	11,550
ISHARES TR	CORE S&P500 ETF	464287200	5,253,585	9,108	SH		SOLE		0	0	9,108
ISHARES TR	CORE US AGGBD ET	464287226	138,437	1,367	SH		SOLE		0	0	1,367
ISHARES TR	EXPANDED TECH	464287515	458,469	5,130	SH		SOLE		0	0	5,130
ISHARES TR	GL CLEAN ENE ETF	464288224	84,659	5,763	SH		SOLE		0	0	5,763
ISHARES TR	JPMORGAN USD EMG	464288281	12,634	135	SH		SOLE		0	0	135
ISHARES TR	MBS ETF	464288588	103,092	1,076	SH		SOLE		0	0	1,076
ISHARES TR	MRGSTR MD CP ETF	464288208	53,214	700	SH		SOLE		0	0	700
ISHARES TR	MSCI ACWI ETF	464288257	3,348	28	SH		SOLE		0	0	28
ISHARES TR	MSCI EAFE ETF	464287465	3,507,192	41,937	SH		SOLE		0	0	41,937
ISHARES TR	MSCI EMG MKT ETF	464287234	4,586	100	SH		SOLE		0	0	100
ISHARES TR	MSCI GBL SUS DEV	46435G532	881,816	10,400	SH		SOLE		0	0	10,400
ISHARES TR	MSCI KLD400 SOC	464288570	1,880,544	17,286	SH		SOLE		0	0	17,286
ISHARES TR	MSCI USA MIN VOL	46429B697	26,480	290	SH		SOLE		0	0	290
ISHARES TR	MSCI USA QLT FCT	46432F339	47,515	265	SH		SOLE		0	0	265
ISHARES TR	RUS 1000 GRW ETF	464287614	220,724	588	SH		SOLE		0	0	588
ISHARES TR	RUS 1000 VAL ETF	464287598	1,139	6	SH		SOLE		0	0	6
ISHARES TR	RUS MDCP VAL ETF	464287473	2,201,190	16,644	SH		SOLE		0	0	16,644
ISHARES TR	RUS MID CAP ETF	464287499	224,317	2,545	SH		SOLE		0	0	2,545
ISHARES TR	RUSSELL 2000 ETF	464287655	37,994	172	SH		SOLE		0	0	172
ISHARES TR	S&P 500 GRWT ETF	464287309	52,663	550	SH		SOLE		0	0	550
ISHARES TR	SELECT DIVID ETF	464287168	162,084	1,200	SH		SOLE		0	0	1,200
ISHARES TR	SP SMCP600VL ETF	464287879	491,145	4,562	SH		SOLE		0	0	4,562
ISHARES TR	U.S. MED DVC ETF	464288810	21,675	366	SH		SOLE		0	0	366
ISHARES TR	U.S. UTILITS ETF	464287697	99,368	974	SH		SOLE		0	0	974
ITT INC	COM	45073V108	300	2	SH		SOLE		0	0	2
J P MORGAN EXCHANGE TRADED F	HEDGED EQUITY LA	46654Q724	36,361	595	SH		SOLE		0	0	595
J P MORGAN EXCHANGE TRADED F	INCOME ETF	46641Q159	1,237,083	26,667	SH		SOLE		0	0	26,667
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT ETF	46641Q837	134,373	2,648	SH		SOLE		0	0	2,648
JOHNSON & JOHNSON	COM	478160104	139,510	861	SH		SOLE		0	0	861
JOHNSON CTLS INTL PLC	SHS	G51502105	22,507	290	SH		SOLE		0	0	290
JPMORGAN CHASE & CO.	COM	46625H100	300,751	1,426	SH		SOLE		0	0	1,426
KENVUE INC	COM	49177J102	878	38	SH		SOLE		0	0	38
KEURIG DR PEPPER INC	COM	49271V100	849	23	SH		SOLE		0	0	23
KKR & CO INC	COM	48251W104	458	4	SH		SOLE		0	0	4
KLA CORP	COM NEW	482480100	403	1	SH		SOLE		0	0	1
KROGER CO	COM	501044101	19,140	334	SH		SOLE		0	0	334
KYNDRYL HLDGS INC	COMMON STOCK	50155Q100	161	7	SH		SOLE		0	0	7
L3HARRIS TECHNOLOGIES INC	COM	502431109	274	1	SH		SOLE		0	0	1
LABCORP HOLDINGS INC	COM SHS	504922105	11,174	50	SH		SOLE		0	0	50
LAM RESEARCH CORP	COM	512807108	637	1	SH		SOLE		0	0	1
LANDSTAR SYS INC	COM	515098101	9,066	48	SH		SOLE		0	0	48
LINDE PLC	SHS	G54950103	33,390	70	SH		SOLE		0	0	70
LIVE NATION ENTERTAINMENT IN	COM	538034109	2,190	20	SH		SOLE		0	0	20
LOCKHEED MARTIN CORP	COM	539830109	1,649	3	SH		SOLE		0	0	3
LOWES COS INC	COM	548661107	33,497	124	SH		SOLE		0	0	124
LULULEMON ATHLETICA INC	COM	550021109	271,350	1,000	SH		SOLE		0	0	1,000
M & T BK CORP	COM	55261F104	66,927	376	SH		SOLE		0	0	376
MAGNA INTL INC	COM	559222401	13,215	322	SH		SOLE		0	0	322
MARATHON OIL CORP	COM	565849106	1,954	73	SH		SOLE		0	0	73
MARATHON PETE CORP	COM	56585A102	13,522	83	SH		SOLE		0	0	83
MARRIOTT INTL INC NEW	CL A	571903202	33,902	136	SH		SOLE		0	0	136
MARSH & MCLENNAN COS INC	COM	571748102	344	2	SH		SOLE		0	0	2
MARTIN MARIETTA MATLS INC	COM	573284106	297	1	SH		SOLE		0	0	1
MARVELL TECHNOLOGY INC	COM	573874104	469	7	SH		SOLE		0	0	7
MASTERCARD INCORPORATED	CL A	57636Q104	28,962	59	SH		SOLE		0	0	59
MAXIMUS INC	COM	577933104	187	2	SH		SOLE		0	0	2
MCCORMICK & CO INC	COM NON VTG	579780206	20,657	251	SH		SOLE		0	0	251
MCDONALDS CORP	COM	580135101	54,508	179	SH		SOLE		0	0	179
MCKESSON CORP	COM	58155Q103	21,503	43	SH		SOLE		0	0	43
MERCK & CO INC	COM	58933Y105	127,188	1,120	SH		SOLE		0	0	1,120
META PLATFORMS INC	CL A	30303M102	1,382,594	2,415	SH		SOLE		0	0	2,415
METLIFE INC	COM	59156R108	8,661	105	SH		SOLE		0	0	105
MGIC INVT CORP WIS	COM	552848103	269	11	SH		SOLE		0	0	11
MICROCHIP TECHNOLOGY INC.	COM	595017104	15,256	190	SH		SOLE		0	0	190
MICRON TECHNOLOGY INC	COM	595112103	863	8	SH		SOLE		0	0	8
MICROSOFT CORP	COM	594918104	956,576	2,223	SH		SOLE		0	0	2,223
MODERNA INC	COM	60770K107	2,607	39	SH		SOLE		0	0	39
MONDELEZ INTL INC	CL A	609207105	14,318	194	SH		SOLE		0	0	194
MONOLITHIC PWR SYS INC	COM	609839105	130	0	SH		SOLE		0	0	0
MOODYS CORP	COM	615369105	665	1	SH		SOLE		0	0	1
MORGAN STANLEY	COM NEW	617446448	46,596	447	SH		SOLE		0	0	447
MOTOROLA SOLUTIONS INC	COM NEW	620076307	756	2	SH		SOLE		0	0	2
MSCI INC	COM	55354G100	152	0	SH		SOLE		0	0	0
NATIONAL GRID PLC	SPONSORED ADR NE	636274409	318	5	SH		SOLE		0	0	5
NAVIENT CORPORATION	COM	63938C108	9,682	621	SH		SOLE		0	0	621
NCR ATLEOS CORPORATION	COM SHS	63001N106	172	6	SH		SOLE		0	0	6
NCR VOYIX CORPORATION	COM	62886E108	163	12	SH		SOLE		0	0	12
NETFLIX INC	COM	64110L106	112,065	158	SH		SOLE		0	0	158
NEXTERA ENERGY INC	COM	65339F101	230,309	2,725	SH		SOLE		0	0	2,725
NIKE INC	CL B	654106103	23,868	270	SH		SOLE		0	0	270
NORFOLK SOUTHN CORP	COM	655844108	2,982	12	SH		SOLE		0	0	12
NORTHERN TR CORP	COM	665859104	596	7	SH		SOLE		0	0	7
NORTHROP GRUMMAN CORP	COM	666807102	21,636	41	SH		SOLE		0	0	41
NOVARTIS AG	SPONSORED ADR	66987V109	18,519	161	SH		SOLE		0	0	161
NOVO-NORDISK A S	ADR	670100205	495	4	SH		SOLE		0	0	4
NUTRIEN LTD	COM	67077M108	29	1	SH		SOLE		0	0	1
NUVEEN MUN VALUE FD INC	COM	670928100	33,374	3,700	SH		SOLE		0	0	3,700
NVIDIA CORPORATION	COM	67066G104	134,869	1,111	SH		SOLE		0	0	1,111
OCEANFIRST FINL CORP	COM	675234108	32,533	1,750	SH		SOLE		0	0	1,750
OGE ENERGY CORP	COM	670837103	21,905	534	SH		SOLE		0	0	534
OKTA INC	CL A	679295105	37	0	SH		SOLE		0	0	0
OLD DOMINION FREIGHT LINE IN	COM	679580100	15,494	78	SH		SOLE		0	0	78
ON HLDG AG	NAMEN AKT A	H5919C104	20,060	400	SH		SOLE		0	0	400
ON SEMICONDUCTOR CORP	COM	682189105	364	5	SH		SOLE		0	0	5
OPENDOOR TECHNOLOGIES INC	COM	683712103	600	300	SH		SOLE		0	0	300
ORACLE CORP	COM	68389X105	24,756	145	SH		SOLE		0	0	145
OREILLY AUTOMOTIVE INC	COM	67103H107	6,162	5	SH		SOLE		0	0	5
ORGANON & CO	COMMON STOCK	68622V106	957	50	SH		SOLE		0	0	50
OSHKOSH CORP	COM	688239201	151	2	SH		SOLE		0	0	2
OTIS WORLDWIDE CORP	COM	68902V107	15,722	151	SH		SOLE		0	0	151
OVINTIV INC	COM	69047Q102	14	0	SH		SOLE		0	0	0
OWENS CORNING NEW	COM	690742101	260	1	SH		SOLE		0	0	1
PALO ALTO NETWORKS INC	COM	697435105	255	1	SH		SOLE		0	0	1
PARKER-HANNIFIN CORP	COM	701094104	4,423	7	SH		SOLE		0	0	7
PAYCOM SOFTWARE INC	COM	70432V102	6,330	38	SH		SOLE		0	0	38
PAYPAL HLDGS INC	COM	70450Y103	3,746	48	SH		SOLE		0	0	48
PDD HOLDINGS INC	SPONSORED ADS	722304102	203	2	SH		SOLE		0	0	2
PENTAIR PLC	SHS	G7S00T104	34,227	350	SH		SOLE		0	0	350
PEPSICO INC	COM	713448108	31,800	187	SH		SOLE		0	0	187
PERFORMANCE FOOD GROUP CO	COM	71377A103	236	3	SH		SOLE		0	0	3
PFIZER INC	COM	717081103	22,111	764	SH		SOLE		0	0	764
PG&E CORP	COM	69331C108	13,921	704	SH		SOLE		0	0	704
PHILIP MORRIS INTL INC	COM	718172109	53,416	440	SH		SOLE		0	0	440
PNC FINL SVCS GROUP INC	COM	693475105	450,718	2,438	SH		SOLE		0	0	2,438
POLARIS INC	COM	731068102	3,247	39	SH		SOLE		0	0	39
PPG INDS INC	COM	693506107	5,034	38	SH		SOLE		0	0	38
PRICE T ROWE GROUP INC	COM	74144T108	227,075	2,085	SH		SOLE		0	0	2,085
PROCTER AND GAMBLE CO	COM	742718109	8,998	52	SH		SOLE		0	0	52
PROGRESSIVE CORP	COM	743315103	10,658	42	SH		SOLE		0	0	42
PROLOGIS INC.	COM	74340W103	7,072	56	SH		SOLE		0	0	56
PROSHARES TR	S&P 500 DV ARIST	74348A467	30,320	284	SH		SOLE		0	0	284
PROSHARES TR	SP500 EX FINLS	74347B573	529,898	8,556	SH		SOLE		0	0	8,556
QUANTA SVCS INC	COM	74762E102	385	1	SH		SOLE		0	0	1
RB GLOBAL INC	COM	74935Q107	16,581	206	SH		SOLE		0	0	206
REGAL REXNORD CORPORATION	COM	758750103	296	2	SH		SOLE		0	0	2
REGENERON PHARMACEUTICALS	COM	75886F107	526	1	SH		SOLE		0	0	1
REPUBLIC SVCS INC	COM	760759100	2,611	13	SH		SOLE		0	0	13
RH	COM	74967X103	94	0	SH		SOLE		0	0	0
RIO TINTO PLC	SPONSORED ADR	767204100	3,488	49	SH		SOLE		0	0	49
RIVIAN AUTOMOTIVE INC	COM CL A	76954A103	11	1	SH		SOLE		0	0	1
ROSS STORES INC	COM	778296103	247	2	SH		SOLE		0	0	2
ROYAL BK CDA	COM	780087102	6,611	53	SH		SOLE		0	0	53
RTX CORPORATION	COM	75513E101	92,446	763	SH		SOLE		0	0	763
S&P GLOBAL INC	COM	78409V104	16,692	32	SH		SOLE		0	0	32
SALESFORCE INC	COM	79466L302	38,005	139	SH		SOLE		0	0	139
SANOFI	SPONSORED ADR	80105N105	392	7	SH		SOLE		0	0	7
SAP SE	SPON ADR	803054204	688	3	SH		SOLE		0	0	3
SBA COMMUNICATIONS CORP NEW	CL A	78410G104	6,259	26	SH		SOLE		0	0	26
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	21,959	534	SH		SOLE		0	0	534
SCHWAB STRATEGIC TR	INTL SCEQT ETF	808524888	431,267	11,193	SH		SOLE		0	0	11,193
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	13,571	204	SH		SOLE		0	0	204
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	4,058	48	SH		SOLE		0	0	48
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	16,295	156	SH		SOLE		0	0	156
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	2,393,252	29,778	SH		SOLE		0	0	29,778
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	10,741,607	200,291	SH		SOLE		0	0	200,291
SCIENCE APPLICATIONS INTL CO	COM	808625107	6,268	45	SH		SOLE		0	0	45
SELECT SECTOR SPDR TR	ENERGY	81369Y506	45,656	520	SH		SOLE		0	0	520
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	38,749	855	SH		SOLE		0	0	855
SELECT SECTOR SPDR TR	INDL	81369Y704	9,888	73	SH		SOLE		0	0	73
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	46,669	303	SH		SOLE		0	0	303
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	284,684	1,261	SH		SOLE		0	0	1,261
SERVICENOW INC	COM	81762P102	16,464	18	SH		SOLE		0	0	18
SHELL PLC	SPON ADS	780259305	737	11	SH		SOLE		0	0	11
SHERWIN WILLIAMS CO	COM	824348106	348	1	SH		SOLE		0	0	1
SHOPIFY INC	CL A	82509L107	40,391	504	SH		SOLE		0	0	504
SHORE BANCSHARES INC	COM	825107105	6,506	465	SH		SOLE		0	0	465
SIMON PPTY GROUP INC NEW	COM	828806109	170	1	SH		SOLE		0	0	1
SKYWEST INC	COM	830879102	7,907	93	SH		SOLE		0	0	93
SNAP INC	CL A	83304A106	16,053	1,500	SH		SOLE		0	0	1,500
SOLVENTUM CORP	COM SHS	83444M101	2,998	43	SH		SOLE		0	0	43
SOUTHERN CO	COM	842587107	677	8	SH		SOLE		0	0	8
SOUTHWEST AIRLS CO	COM	844741108	17,369	586	SH		SOLE		0	0	586
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	496,320	1,173	SH		SOLE		0	0	1,173
SPDR GOLD TR	GOLD SHS	78463V107	173,788	715	SH		SOLE		0	0	715
SPDR INDEX SHS FDS	PORTFLO EURP ETF	78463X103	5,331	120	SH		SOLE		0	0	120
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	4,663,842	124,170	SH		SOLE		0	0	124,170
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	1,550,936	37,571	SH		SOLE		0	0	37,571
SPDR INDEX SHS FDS	S&P INTL SMLCP	78463X871	4,073,473	119,352	SH		SOLE		0	0	119,352
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,085,554	1,892	SH		SOLE		0	0	1,892
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	11,394	20	SH		SOLE		0	0	20
SPDR SER TR	BLOOMBERG 1-3 MO	78468R663	5,876	64	SH		SOLE		0	0	64
SPDR SER TR	NUVEEN BLMBRG SH	78468R739	27,970	581	SH		SOLE		0	0	581
SPDR SER TR	PORTFOLI S&P1500	78464A805	1,866,304	26,639	SH		SOLE		0	0	26,639
SPDR SER TR	PORTFOLIO INTRMD	78464A375	99,782	2,960	SH		SOLE		0	0	2,960
SPDR SER TR	PORTFOLIO S&P400	78464A847	3,435,335	62,826	SH		SOLE		0	0	62,826
SPDR SER TR	PORTFOLIO S&P600	78468R853	2,152,162	47,290	SH		SOLE		0	0	47,290
SPDR SER TR	PRTFLO S&P500 VL	78464A508	4,378,035	82,823	SH		SOLE		0	0	82,823
SPDR SER TR	S&P 400 MDCP VAL	78464A839	3,962,313	49,866	SH		SOLE		0	0	49,866
SPDR SER TR	S&P 600 SMCP VAL	78464A300	4,135,156	47,629	SH		SOLE		0	0	47,629
SPDR SER TR	S&P SEMICNDCTR	78464A862	313,767	1,306	SH		SOLE		0	0	1,306
SPECTRUM BRANDS HLDGS INC NE	COM	84790A105	238	3	SH		SOLE		0	0	3
SPIRIT AEROSYSTEMS HLDGS INC	COM CL A	848574109	26	1	SH		SOLE		0	0	1
STAGWELL INC	COM CL A	85256A109	17,417	2,481	SH		SOLE		0	0	2,481
STARBUCKS CORP	COM	855244109	13,872	142	SH		SOLE		0	0	142
STERIS PLC	SHS USD	G8473T100	4,366	18	SH		SOLE		0	0	18
STRYKER CORPORATION	COM	863667101	9,755	27	SH		SOLE		0	0	27
SYNCHRONY FINANCIAL	COM	87165B103	19,603	393	SH		SOLE		0	0	393
SYNOPSYS INC	COM	871607107	262	1	SH		SOLE		0	0	1
SYSCO CORP	COM	871829107	138,206	1,771	SH		SOLE		0	0	1,771
T ROWE PRICE ETF INC	CAP APPRECIATION	87283Q867	82,305	2,475	SH		SOLE		0	0	2,475
T ROWE PRICE ETF INC	SMALL MID CAP	87283Q826	38,454	1,185	SH		SOLE		0	0	1,185
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	610	4	SH		SOLE		0	0	4
TAPESTRY INC	COM	876030107	564	12	SH		SOLE		0	0	12
TARGET CORP	COM	87612E106	30,063	193	SH		SOLE		0	0	193
TECHNIPFMC PLC	COM	G87110105	13,876	529	SH		SOLE		0	0	529
TERADATA CORP DEL	COM	88076W103	365	12	SH		SOLE		0	0	12
TESLA INC	COM	88160R101	2,021	8	SH		SOLE		0	0	8
TEXAS INSTRS INC	COM	882508104	32,225	156	SH		SOLE		0	0	156
TFI INTL INC	COM	87241L109	8,898	65	SH		SOLE		0	0	65
THE CIGNA GROUP	COM	125523100	13,383	39	SH		SOLE		0	0	39
THERMO FISHER SCIENTIFIC INC	COM	883556102	34,412	56	SH		SOLE		0	0	56
TIDAL ETF TR	SOFI NEXT 500	886364306	757	53	SH		SOLE		0	0	53
TIDAL ETF TR	SOFI SELCT 500	886364207	8,271	398	SH		SOLE		0	0	398
TIMKEN CO	COM	887389104	4,299	51	SH		SOLE		0	0	51
TJX COS INC NEW	COM	872540109	195,234	1,661	SH		SOLE		0	0	1,661
TORONTO DOMINION BK ONT	COM NEW	891160509	14,803	234	SH		SOLE		0	0	234
TOTALENERGIES SE	SPONSORED ADS	89151E109	194	3	SH		SOLE		0	0	3
TOYOTA MOTOR CORP	ADS	892331307	4,286	24	SH		SOLE		0	0	24
TRACTOR SUPPLY CO	COM	892356106	10,183	35	SH		SOLE		0	0	35
TRANE TECHNOLOGIES PLC	SHS	G8994E103	246	3	SH		SOLE		0	0	3
TRANE TECHNOLOGIES PLC	SHS	G8994E103	389	1	SH		SOLE		0	0	1
TRANSDIGM GROUP INC	COM	893641100	357	0	SH		SOLE		0	0	0
TRAVELERS COMPANIES INC	COM	89417E109	174,905	747	SH		SOLE		0	0	747
TRUIST FINL CORP	COM	89832Q109	29,512	690	SH		SOLE		0	0	690
TYLER TECHNOLOGIES INC	COM	902252105	19,847	34	SH		SOLE		0	0	34
TYSON FOODS INC	CL A	902494103	17	0	SH		SOLE		0	0	0
UBER TECHNOLOGIES INC	COM	90353T100	639	9	SH		SOLE		0	0	9
UBS GROUP AG	SHS	H42097107	9,552	309	SH		SOLE		0	0	309
UDR INC	COM	902653104	16,323	360	SH		SOLE		0	0	360
UNDER ARMOUR INC	CL A	904311107	38,501	4,321	SH		SOLE		0	0	4,321
UNDER ARMOUR INC	CL C	904311206	4,849	580	SH		SOLE		0	0	580
UNION PAC CORP	COM	907818108	37,712	153	SH		SOLE		0	0	153
UNITED RENTALS INC	COM	911363109	446	1	SH		SOLE		0	0	1
UNITEDHEALTH GROUP INC	COM	91324P102	74,734	128	SH		SOLE		0	0	128
US BANCORP DEL	COM NEW	902973304	2,573	56	SH		SOLE		0	0	56
US FOODS HLDG CORP	COM	912008109	615	10	SH		SOLE		0	0	10
VANECK ETF TRUST	CLO ETF	92189H748	132,972	2,507	SH		SOLE		0	0	2,507
VANECK ETF TRUST	DIGITAL INDIA ET	92189H789	59,444	1,327	SH		SOLE		0	0	1,327
VANECK ETF TRUST	MRNGSTR WDE MOAT	92189F643	78,716	812	SH		SOLE		0	0	812
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	223,952	2,846	SH		SOLE		0	0	2,846
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	833,968	11,103	SH		SOLE		0	0	11,103
VANGUARD BD INDEX FDS	VANGUARD ULTRA	92203C303	5,059,280	101,307	SH		SOLE		0	0	101,307
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	720,970	14,339	SH		SOLE		0	0	14,339
VANGUARD INDEX FDS	EXTEND MKT ETF	922908652	13,104	72	SH		SOLE		0	0	72
VANGUARD INDEX FDS	GROWTH ETF	922908736	39,545	103	SH		SOLE		0	0	103
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	736,184	2,796	SH		SOLE		0	0	2,796
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	13,715,712	81,802	SH		SOLE		0	0	81,802
VANGUARD INDEX FDS	MID CAP ETF	922908629	16,781,508	63,607	SH		SOLE		0	0	63,607
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	124,666	1,280	SH		SOLE		0	0	1,280
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	6,858,458	12,998	SH		SOLE		0	0	12,998
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	8,850,454	44,080	SH		SOLE		0	0	44,080
VANGUARD INDEX FDS	SMALL CP ETF	922908751	6,875,418	28,985	SH		SOLE		0	0	28,985
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	1,605	6	SH		SOLE		0	0	6
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	14,833,124	52,384	SH		SOLE		0	0	52,384
VANGUARD INDEX FDS	VALUE ETF	922908744	16,477,451	94,389	SH		SOLE		0	0	94,389
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	539,990	8,571	SH		SOLE		0	0	8,571
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	6,061,721	126,682	SH		SOLE		0	0	126,682
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	4,613,740	36,629	SH		SOLE		0	0	36,629
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	51,395	429	SH		SOLE		0	0	429
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	1,510,239	29,543	SH		SOLE		0	0	29,543
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	2,931,950	35,008	SH		SOLE		0	0	35,008
VANGUARD SCOTTSDALE FDS	MTG-BKD SECS ETF	92206C771	829,142	17,563	SH		SOLE		0	0	17,563
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	11,902,272	149,865	SH		SOLE		0	0	149,865
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	222,224	1,122	SH		SOLE		0	0	1,122
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	13,061,239	247,325	SH		SOLE		0	0	247,325
VANGUARD WELLINGTON FD	SHORT TRM TAX EX	921935870	56,491	557	SH		SOLE		0	0	557
VANGUARD WORLD FD	CONSUM STP ETF	92204A207	8,303	38	SH		SOLE		0	0	38
VANGUARD WORLD FD	ESG US STK ETF	921910733	122,997	1,210	SH		SOLE		0	0	1,210
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	14,140,789	68,432	SH		SOLE		0	0	68,432
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	8,736,510	68,105	SH		SOLE		0	0	68,105
VANGUARD WORLD FD	UTILITIES ETF	92204A876	1,741	10	SH		SOLE		0	0	10
VEEVA SYS INC	CL A COM	922475108	11,124	53	SH		SOLE		0	0	53
VERALTO CORP	COM SHS	92338C103	9,620	86	SH		SOLE		0	0	86
VERISK ANALYTICS INC	COM	92345Y106	16,732	62	SH		SOLE		0	0	62
VERIZON COMMUNICATIONS INC	COM	92343V104	34,806	775	SH		SOLE		0	0	775
VERTEX PHARMACEUTICALS INC	COM	92532F100	30,231	65	SH		SOLE		0	0	65
VERTIV HOLDINGS CO	COM CL A	92537N108	213	2	SH		SOLE		0	0	2
VISA INC	COM CL A	92826C839	120,566	439	SH		SOLE		0	0	439
VULCAN MATLS CO	COM	929160109	13	0	SH		SOLE		0	0	0
WABTEC	COM	929740108	8,079	44	SH		SOLE		0	0	44
WALMART INC	COM	931142103	321,143	3,977	SH		SOLE		0	0	3,977
WARNER BROS DISCOVERY INC	COM SER A	934423104	1,782	216	SH		SOLE		0	0	216
WASTE CONNECTIONS INC	COM	94106B101	397	2	SH		SOLE		0	0	2
WASTE MGMT INC DEL	COM	94106L109	67,470	325	SH		SOLE		0	0	325
WATSCO INC	COM	942622200	517	1	SH		SOLE		0	0	1
WEC ENERGY GROUP INC	COM	92939U106	13,947	145	SH		SOLE		0	0	145
WELLS FARGO CO NEW	COM	949746101	61,879	1,095	SH		SOLE		0	0	1,095
WELLTOWER INC	COM	95040Q104	64,015	500	SH		SOLE		0	0	500
WEST PHARMACEUTICAL SVSC INC	COM	955306105	13,808	46	SH		SOLE		0	0	46
WEYERHAEUSER CO MTN BE	COM NEW	962166104	6,772	200	SH		SOLE		0	0	200
WILLIAMS COS INC	COM	969457100	11,504	252	SH		SOLE		0	0	252
WILLIS TOWERS WATSON PLC LTD	SHS	G96629103	348	1	SH		SOLE		0	0	1
WISDOMTREE TR	INDIA ERNGS FD	97717W422	92,544	1,834	SH		SOLE		0	0	1,834
WPP PLC NEW	ADR	92937A102	87	2	SH		SOLE		0	0	2
ZOETIS INC	CL A	98978V103	80,235	411	SH		SOLE		0	0	411