Williams Financial 13F-HR Quarterly holdings report by institutional manager

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

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

FORM 13F INFORMATION TABLE

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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
23ANDME HOLDING CO	CLASS A COM	90138Q108	29,102	61,000	SH		SOLE		61,000	0	0
ABBOTT LABS	COM	002824100	441,645	4,160	SH		SOLE		4,160	0	0
ABBVIE INC	COM	00287Y109	849,494	5,130	SH		SOLE		5,130	0	0
ADVANCED MICRO DEVICES INC	COM	007903107	5,327,741	33,117	SH		SOLE		33,117	0	0
ALPHABET INC	CAP STK CL A	02079K305	5,160,147	30,684	SH		SOLE		30,684	0	0
ALPHABET INC	CAP STK CL C	02079K107	566,315	3,510	SH		SOLE		3,510	0	0
ALTRIA GROUP INC	COM	02209S103	228,286	5,200	SH		SOLE		5,200	0	0
AMAZON COM INC	COM	023135106	13,284,235	72,384	SH		SOLE		72,384	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	876,276	10,017	SH		SOLE		10,017	0	0
AMERICAN WELL CORP	CL A	03044L105	8,276	16,443	SH		SOLE		16,443	0	0
AMETEK INC	COM	031100100	6,039,749	34,965	SH		SOLE		34,965	0	0
APPLE INC	COM	037833100	11,174,403	59,964	SH		SOLE		59,964	0	0
APPLIED MATLS INC	COM	038222105	1,083,234	5,352	SH		SOLE		5,352	0	0
ARCHER DANIELS MIDLAND CO	COM	039483102	6,008,650	98,028	SH		SOLE		98,028	0	0
AT&T INC	COM	00206R102	4,837,377	278,373	SH		SOLE		278,373	0	0
BANK AMERICA CORP	COM	060505104	2,158,474	56,322	SH		SOLE		56,322	0	0
BANK NEW YORK MELLON CORP	COM	064058100	586,507	10,392	SH		SOLE		10,392	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	14,208,805	34,783	SH		SOLE		34,783	0	0
BLACKROCK ETF TRUST	WORLD EX US CARB	09290C608	1,945,451	42,849	SH		SOLE		42,849	0	0
BLACKROCK ETF TRUST	US CARBON TRANS	09290C509	11,224,724	196,506	SH		SOLE		196,506	0	0
BOEING CO	COM	097023105	1,636,627	9,183	SH		SOLE		9,183	0	0
BORGWARNER INC	COM	099724106	218,502	6,311	SH		SOLE		6,311	0	0
CAPITAL ONE FINL CORP	COM	14040H105	813,254	5,688	SH		SOLE		5,688	0	0
CASELLA WASTE SYS INC	CL A	147448104	2,427,124	25,200	SH		SOLE		25,200	0	0
CHEVRON CORP NEW	COM	166764100	3,533,477	22,159	SH		SOLE		22,159	0	0
CHUBB LIMITED	COM	H1467J104	300,874	1,209	SH		SOLE		1,209	0	0
COCA COLA CO	COM	191216100	6,593,113	106,521	SH		SOLE		106,521	0	0
COMCAST CORP NEW	CL A	20030N101	901,325	23,015	SH		SOLE		23,015	0	0
COUPANG INC	CL A	22266T109	217,929	10,328	SH		SOLE		10,328	0	0
CVS HEALTH CORP	COM	126650100	26,432,171	422,551	SH		SOLE		422,551	0	0
DBX ETF TR	XTRACK MSCI EAFE	233051200	955,189,066	23,218,590	SH		SOLE		23,218,590	0	0
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	698,279,367	11,601,031	SH		SOLE		11,601,031	0	0
DISNEY WALT CO	COM	254687106	1,108,772	10,305	SH		SOLE		10,305	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	592,843	5,927	SH		SOLE		5,927	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	200,841	2,268	SH		SOLE		2,268	0	0
EXXON MOBIL CORP	COM	30231G102	44,862,159	385,145	SH		SOLE		385,145	0	0
FIRST TR EXCHANGE-TRADED FD	RISNG DIVD ACHIV	33738R506	764,681	13,987	SH		SOLE		13,987	0	0
FS KKR CAP CORP	COM	302635206	1,641,641	83,538	SH		SOLE		83,538	0	0
GE AEROSPACE	COM NEW	369604301	2,750,924	17,172	SH		SOLE		17,172	0	0
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	467,614	5,733	SH		SOLE		5,733	0	0
GE VERNOVA INC	COM	36828A101	678,674	4,275	SH		SOLE		4,275	0	0
HOME DEPOT INC	COM	437076102	6,790,925	19,908	SH		SOLE		19,908	0	0
INTEL CORP	COM	458140100	1,211,182	35,883	SH		SOLE		35,883	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	6,733,812	38,749	SH		SOLE		38,749	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	1,790,915	54,297	SH		SOLE		54,297	0	0
ISHARES TR	ESG AWRE USD ETF	46435G193	14,232,554	628,866	SH		SOLE		628,866	0	0
ISHARES TR	ESG EAFE ETF	46436E759	3,232,245	47,851	SH		SOLE		47,851	0	0
ISHARES TR	ESG MSCI USA ETF	46436E767	6,784,406	152,037	SH		SOLE		152,037	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	3,273,976	28,496	SH		SOLE		28,496	0	0
ISHARES TR	ESG AWR US AGRGT	46435U549	12,470,037	269,025	SH		SOLE		269,025	0	0
ISHARES TR	MSCI KLD400 SOC	464288570	7,838,201	78,354	SH		SOLE		78,354	0	0
ISHARES TR	CORE S&P500 ETF	464287200	1,347,704	2,593	SH		SOLE		2,593	0	0
ISHARES TR	S&P 100 ETF	464287101	3,012,606	12,037	SH		SOLE		12,037	0	0
ISHARES TR	ESG ADV TTL USD	46436E619	15,630,062	370,207	SH		SOLE		370,207	0	0
ISHARES TR	ESG AWRE 1 5 YR	46435G243	741,529	30,433	SH		SOLE		30,433	0	0
ISHARES TR	ISHARES BIOTECH	464287556	867,030	6,495	SH		SOLE		6,495	0	0
ISHARES TR	EAFE VALUE ETF	464288877	221,843	4,082	SH		SOLE		4,082	0	0
ISHARES TR	CORE TOTAL USD	46434V613	304,301	6,767	SH		SOLE		6,767	0	0
ISHARES TR	FALN ANGLS USD	46435G474	246,607	9,348	SH		SOLE		9,348	0	0
ISHARES TR	US TREAS BD ETF	46429B267	247,280	11,029	SH		SOLE		11,029	0	0
ISHARES TR	0-5YR INVT GR CP	46434V100	1,151,840,043	23,485,032	SH		SOLE		23,485,032	0	0
ISHARES TR	RUS TP200 GR ETF	464289438	1,414,893,835	7,098,032	SH		SOLE		7,098,032	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	240,656	660	SH		SOLE		660	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	272,465	1,562	SH		SOLE		1,562	0	0
JOHNSON & JOHNSON	COM	478160104	1,655,195	11,130	SH		SOLE		11,130	0	0
JPMORGAN CHASE & CO.	COM	46625H100	5,748,485	29,466	SH		SOLE		29,466	0	0
LOCKHEED MARTIN CORP	COM	539830109	12,372,009	27,303	SH		SOLE		27,303	0	0
MCKESSON CORP	COM	58155Q103	9,188,874	16,506	SH		SOLE		16,506	0	0
MERCK & CO INC	COM	58933Y105	3,802,550	29,528	SH		SOLE		29,528	0	0
META PLATFORMS INC	CL A	30303M102	6,649,931	13,669	SH		SOLE		13,669	0	0
MICROSOFT CORP	COM	594918104	9,601,287	22,788	SH		SOLE		22,788	0	0
NORTHERN TR CORP	COM	665859104	1,322,390	15,750	SH		SOLE		15,750	0	0
NUTANIX INC	CL A	67059N108	580,154	9,450	SH		SOLE		9,450	0	0
NUVEEN MUN VALUE FD INC	COM	670928100	2,660,545	311,409	SH		SOLE		311,409	0	0
NVIDIA CORPORATION	COM	67066G104	1,702,481	6,509	SH		SOLE		6,509	0	0
ON SEMICONDUCTOR CORP	COM	682189105	442,148	6,300	SH		SOLE		6,300	0	0
ORACLE CORP	COM	68389X105	2,324,539	18,744	SH		SOLE		18,744	0	0
OWENS CORNING NEW	COM	690742101	284,706	1,704	SH		SOLE		1,704	0	0
PFIZER INC	COM	717081103	3,655,395	132,794	SH		SOLE		132,794	0	0
PLUG POWER INC	COM NEW	72919P202	29,862	10,493	SH		SOLE		10,493	0	0
PROCTER AND GAMBLE CO	COM	742718109	1,895,908	11,612	SH		SOLE		11,612	0	0
REALTY INCOME CORP	COM	756109104	841,043	15,750	SH		SOLE		15,750	0	0
RIVIAN AUTOMOTIVE INC	COM CL A	76954A103	131,664	12,600	SH		SOLE		12,600	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	2,351,825	38,682	SH		SOLE		38,682	0	0
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	25,144,921	320,369	SH		SOLE		320,369	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	1,910,804	42,155	SH		SOLE		42,155	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	12,369,400	260,954	SH		SOLE		260,954	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	4,262,487	163,499	SH		SOLE		163,499	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	211,017	5,495	SH		SOLE		5,495	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	1,150,041,765	23,978,250	SH		SOLE		23,978,250	0	0
SHOPIFY INC	CL A	82509L107	694,457	9,860	SH		SOLE		9,860	0	0
SINCLAIR INC	CL A	829242106	216,977	17,472	SH		SOLE		17,472	0	0
SMUCKER J M CO	COM NEW	832696405	256,616	2,268	SH		SOLE		2,268	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,035,681	1,975	SH		SOLE		1,975	0	0
SPDR SER TR	PRTFLO S&P500 VL	78464A508	2,101,241,377	42,988,918	SH		SOLE		42,988,918	0	0
SYSCO CORP	COM	871829107	17,748,560	237,412	SH		SOLE		237,412	0	0
TECK RESOURCES LTD	CL B	878742204	314,240	6,576	SH		SOLE		6,576	0	0
TESLA INC	COM	88160R101	2,433,252	14,490	SH		SOLE		14,490	0	0
TEXAS INSTRS INC	COM	882508104	412,626	2,424	SH		SOLE		2,424	0	0
THE CIGNA GROUP	COM	125523100	732,078	2,064	SH		SOLE		2,064	0	0
TJX COS INC NEW	COM	872540109	441,741	4,020	SH		SOLE		4,020	0	0
TORONTO DOMINION BK ONT	COM NEW	891160509	10,454,174	184,653	SH		SOLE		184,653	0	0
US BANCORP DEL	COM NEW	902973304	425,408	10,200	SH		SOLE		10,200	0	0
VANGUARD ADMIRAL FDS INC	500 VAL IDX FD	921932703	6,662,826	37,800	SH		SOLE		37,800	0	0
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	1,355,018,728	18,233,473	SH		SOLE		18,233,473	0	0
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	441,323	8,820	SH		SOLE		8,820	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	4,770,771	118,340	SH		SOLE		118,340	0	0
VIATRIS INC	COM	92556V106	394,387	34,130	SH		SOLE		34,130	0	0
WALMART INC	COM	931142103	1,562,811	24,823	SH		SOLE		24,823	0	0
WARNER BROS DISCOVERY INC	COM SER A	934423104	321,845	40,039	SH		SOLE		40,039	0	0
WELLS FARGO CO NEW	COM	949746101	828,724	14,184	SH		SOLE		14,184	0	0
WISDOMTREE TR	EMER MKT HIGH FD	97717W315	254,347,068	5,916,958	SH		SOLE		5,916,958	0	0
ZUORA INC	COM CL A	98983V106	119,186	12,400	SH		SOLE		12,400	0	0