Breakwater Capital 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
ABBOTT LABS	COM	002824100	255,672	2,691	SH		SOLE		0	0	2,691
ABBVIE INC	COM	00287Y109	477,844	3,354	SH		SOLE		0	0	3,354
ADOBE INC	COM	00724F101	296,208	544	SH		SOLE		0	0	544
ALLEGION PLC	ORD SHS	G0176J109	258,280	2,611	SH		SOLE		0	0	2,611
ALPHABET INC	CAP STK CL A	02079K305	797,267	6,305	SH		SOLE		0	0	6,305
ALPHABET INC	CAP STK CL C	02079K107	1,398,573	10,963	SH		SOLE		0	0	10,963
AMAZON COM INC	COM	023135106	2,880,973	21,029	SH		SOLE		0	0	21,029
AMERICAN EXPRESS CO	COM	025816109	519,312	3,546	SH		SOLE		0	0	3,546
APPLE INC	COM	037833100	13,940,028	80,129	SH		SOLE		0	0	80,129
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	219,585	361	SH		SOLE		0	0	361
AT&T INC	COM	00206R102	433,787	27,843	SH		SOLE		0	0	27,843
BANK AMERICA CORP	COM	060505104	779,486	29,526	SH		SOLE		0	0	29,526
BECTON DICKINSON & CO	COM	075887109	408,078	1,608	SH		SOLE		0	0	1,608
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	2,005,448	5,834	SH		SOLE		0	0	5,834
BHP GROUP LTD	SPONSORED ADS	088606108	489,856	8,456	SH		SOLE		0	0	8,456
BLACKROCK MUNIHLDGS NJ QLTY	COM	09254X101	235,754	23,342	SH		SOLE		0	0	23,342
BLACKROCK MUNIYIELD N Y QUAL	COM	09255E102	133,207	15,276	SH		SOLE		0	0	15,276
BOEING CO	COM	097023105	465,117	2,456	SH		SOLE		0	0	2,456
BOSTON SCIENTIFIC CORP	COM	101137107	333,155	6,449	SH		SOLE		0	0	6,449
BRISTOL-MYERS SQUIBB CO	COM	110122108	409,830	7,992	SH		SOLE		0	0	7,992
CAMBRIA ETF TR	SHSHLD YIELD ETF	132061201	5,292,089	88,958	SH		SOLE		0	0	88,958
CAPITAL GRP FIXED INCM ETF T	CORE PLUS INCM	14020Y102	385,615	18,104	SH		SOLE		0	0	18,104
CATERPILLAR INC	COM	149123101	386,229	1,666	SH		SOLE		0	0	1,666
CHEVRON CORP NEW	COM	166764100	366,573	2,546	SH		SOLE		0	0	2,546
CISCO SYS INC	COM	17275R102	552,118	10,579	SH		SOLE		0	0	10,579
CITIGROUP INC	COM NEW	172967424	354,143	8,943	SH		SOLE		0	0	8,943
COCA COLA CO	COM	191216100	446,271	7,907	SH		SOLE		0	0	7,907
COHEN & STEERS QUALITY INCOM	COM	19247L106	174,452	17,765	SH		SOLE		0	0	17,765
COLUMBIA ETF TR II	EM CORE EX ETF	19762B202	3,541,109	132,279	SH		SOLE		0	0	132,279
COMCAST CORP NEW	CL A	20030N101	703,831	16,830	SH		SOLE		0	0	16,830
CONOCOPHILLIPS	COM	20825C104	409,745	3,512	SH		SOLE		0	0	3,512
CONSOLIDATED EDISON INC	COM	209115104	517,341	5,802	SH		SOLE		0	0	5,802
CUMMINS INC	COM	231021106	237,893	1,091	SH		SOLE		0	0	1,091
CVS HEALTH CORP	COM	126650100	464,134	6,753	SH		SOLE		0	0	6,753
DANAHER CORPORATION	COM	235851102	413,060	2,174	SH		SOLE		0	0	2,174
DEERE & CO	COM	244199105	873,595	2,358	SH		SOLE		0	0	2,358
DIAGEO PLC	SPON ADR NEW	25243Q205	237,961	1,541	SH		SOLE		0	0	1,541
DIMENSIONAL ETF TRUST	CORE FIXED INCOM	25434V872	325,869	8,161	SH		SOLE		0	0	8,161
DIMENSIONAL ETF TRUST	EMERGING MKTS VA	25434V740	3,313,332	144,687	SH		SOLE		0	0	144,687
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	1,566,381	71,459	SH		SOLE		0	0	71,459
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	1,757,186	55,997	SH		SOLE		0	0	55,997
DISNEY WALT CO	COM	254687106	629,112	7,760	SH		SOLE		0	0	7,760
DOW INC	COM	260557103	205,519	4,263	SH		SOLE		0	0	4,263
DUKE ENERGY CORP NEW	COM NEW	26441C204	244,802	2,734	SH		SOLE		0	0	2,734
EATON CORP PLC	SHS	G29183103	464,033	2,160	SH		SOLE		0	0	2,160
ELI LILLY & CO	COM	532457108	1,578,548	2,847	SH		SOLE		0	0	2,847
EOG RES INC	COM	26875P101	277,383	2,233	SH		SOLE		0	0	2,233
EXXON MOBIL CORP	COM	30231G102	2,147,027	20,324	SH		SOLE		0	0	20,324
FEDEX CORP	COM	31428X106	203,584	837	SH		SOLE		0	0	837
FIDELITY MERRIMACK STR TR	TOTAL BD ETF	316188309	338,322	7,857	SH		SOLE		0	0	7,857
FIFTH THIRD BANCORP	COM	316773100	203,177	8,591	SH		SOLE		0	0	8,591
FIRSTENERGY CORP	COM	337932107	290,815	8,067	SH		SOLE		0	0	8,067
FREEPORT-MCMORAN INC	CL B	35671D857	320,650	9,512	SH		SOLE		0	0	9,512
GENERAL ELECTRIC CO	COM NEW	369604301	672,029	6,266	SH		SOLE		0	0	6,266
GLOBAL X FDS	US PFD ETF	37954Y657	289,382	16,050	SH		SOLE		0	0	16,050
GOLDMAN SACHS GROUP INC	COM	38141G104	215,933	703	SH		SOLE		0	0	703
HOME DEPOT INC	COM	437076102	1,307,606	4,562	SH		SOLE		0	0	4,562
HONEYWELL INTL INC	COM	438516106	672,299	3,654	SH		SOLE		0	0	3,654
INGERSOLL RAND INC	COM	45687V106	1,020,603	16,464	SH		SOLE		0	0	16,464
INTEL CORP	COM	458140100	494,391	13,258	SH		SOLE		0	0	13,258
INTERNATIONAL BUSINESS MACHS	COM	459200101	377,168	2,594	SH		SOLE		0	0	2,594
INTUIT	COM	461202103	480,854	983	SH		SOLE		0	0	983
INVESCO EXCH TRADED FD TR II	FNDMNTL IG CRP	46138E693	552,230	24,549	SH		SOLE		0	0	24,549
INVESCO EXCH TRADED FD TR II	FTSE RAFI DEV	46138E743	2,842,547	66,852	SH		SOLE		0	0	66,852
INVESCO EXCH TRADED FD TR II	FTSE RAFI EMNG	46138E727	190,769	10,948	SH		SOLE		0	0	10,948
INVESCO EXCH TRADED FD TR II	S&P INTL QULTY	46138E214	1,223,914	47,959	SH		SOLE		0	0	47,959
INVESCO EXCH TRADED FD TR II	S&P SMLCAP QTY	46138G300	3,768,903	110,525	SH		SOLE		0	0	110,525
INVESCO EXCHANGE TRADED FD T	BUYBACK ACHIEV	46137V308	996,535	11,506	SH		SOLE		0	0	11,506
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	10,027,087	321,381	SH		SOLE		0	0	321,381
INVESCO EXCHANGE TRADED FD T	INTL DIVI ACHI	46137V548	1,048,805	64,265	SH		SOLE		0	0	64,265
INVESCO EXCHANGE TRADED FD T	S&P 500 GARP ETF	46137V431	3,415,519	38,694	SH		SOLE		0	0	38,694
INVESCO EXCHANGE TRADED FD T	S&P MDCP QUALITY	46137V472	517,933	6,683	SH		SOLE		0	0	6,683
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	10,479,202	76,889	SH		SOLE		0	0	76,889
INVESCO EXCHANGE TRADED FD T	S&P500 PUR VAL	46137V258	2,030,680	29,018	SH		SOLE		0	0	29,018
INVESCO EXCHANGE TRADED FD T	S&P500 QUALITY	46137V241	307,608	6,279	SH		SOLE		0	0	6,279
INVESCO QQQ TR	UNIT SER 1	46090E103	797,806	2,235	SH		SOLE		0	0	2,235
ISHARES INC	CORE MSCI EMKT	46434G103	257,845	5,557	SH		SOLE		0	0	5,557
ISHARES INC	MSCI EMRG CHN	46434G764	396,385	8,111	SH		SOLE		0	0	8,111
ISHARES INC	MSCI JPN ETF NEW	46434G822	266,027	4,436	SH		SOLE		0	0	4,436
ISHARES TR	0-5 YR TIPS ETF	46429B747	1,477,628	15,227	SH		SOLE		0	0	15,227
ISHARES TR	0-5YR INVT GR CP	46434V100	359,406	7,497	SH		SOLE		0	0	7,497
ISHARES TR	1 3 YR TREAS BD	464287457	227,311	2,807	SH		SOLE		0	0	2,807
ISHARES TR	CORE DIV GRWTH	46434V621	229,654	4,741	SH		SOLE		0	0	4,741
ISHARES TR	CORE DIVID ETF	46435U861	1,405,619	38,765	SH		SOLE		0	0	38,765
ISHARES TR	CORE MSCI EAFE	46432F842	736,524	11,702	SH		SOLE		0	0	11,702
ISHARES TR	CORE MSCI TOTAL	46432F834	510,152	8,728	SH		SOLE		0	0	8,728
ISHARES TR	CORE S&P MCP ETF	464287507	3,070,941	12,933	SH		SOLE		0	0	12,933
ISHARES TR	CORE S&P SCP ETF	464287804	2,096,116	23,478	SH		SOLE		0	0	23,478
ISHARES TR	CORE S&P US VLU	464287663	4,506,798	61,134	SH		SOLE		0	0	61,134
ISHARES TR	CORE S&P500 ETF	464287200	7,488,118	17,639	SH		SOLE		0	0	17,639
ISHARES TR	EAFE GRWTH ETF	464288885	2,500,345	29,447	SH		SOLE		0	0	29,447
ISHARES TR	EAFE SML CP ETF	464288273	886,422	16,397	SH		SOLE		0	0	16,397
ISHARES TR	EAFE VALUE ETF	464288877	982,384	20,621	SH		SOLE		0	0	20,621
ISHARES TR	FALN ANGLS USD	46435G474	3,311,351	134,827	SH		SOLE		0	0	134,827
ISHARES TR	FLTG RATE NT ETF	46429B655	495,563	9,786	SH		SOLE		0	0	9,786
ISHARES TR	IBOXX INV CP ETF	464287242	319,301	3,186	SH		SOLE		0	0	3,186
ISHARES TR	INTERNATIONAL SL	46434V266	263,111	9,271	SH		SOLE		0	0	9,271
ISHARES TR	ISHS 5-10YR INVT	464288638	5,573,729	116,071	SH		SOLE		0	0	116,071
ISHARES TR	MRGSTR SM CP GR	464288604	425,205	11,746	SH		SOLE		0	0	11,746
ISHARES TR	MSCI EAFE ETF	464287465	654,087	9,683	SH		SOLE		0	0	9,683
ISHARES TR	MSCI EAFE MIN VL	46429B689	1,301,568	20,145	SH		SOLE		0	0	20,145
ISHARES TR	MSCI INTL QUALTY	46434V456	1,477,757	44,551	SH		SOLE		0	0	44,551
ISHARES TR	MSCI USA QLT FCT	46432F339	3,327,512	25,366	SH		SOLE		0	0	25,366
ISHARES TR	NATIONAL MUN ETF	464288414	2,931,258	28,965	SH		SOLE		0	0	28,965
ISHARES TR	NEW YORK MUN ETF	464288323	408,411	8,105	SH		SOLE		0	0	8,105
ISHARES TR	RUS 1000 ETF	464287622	2,969,906	12,819	SH		SOLE		0	0	12,819
ISHARES TR	RUS 1000 GRW ETF	464287614	7,497,508	28,166	SH		SOLE		0	0	28,166
ISHARES TR	RUS 1000 VAL ETF	464287598	8,721,516	59,278	SH		SOLE		0	0	59,278
ISHARES TR	RUS MDCP VAL ETF	464287473	247,480	2,481	SH		SOLE		0	0	2,481
ISHARES TR	RUS TOP 200 ETF	464289446	205,680	2,000	SH		SOLE		0	0	2,000
ISHARES TR	RUSSELL 2000 ETF	464287655	299,979	1,813	SH		SOLE		0	0	1,813
ISHARES TR	S&P 500 GRWT ETF	464287309	1,193,120	17,663	SH		SOLE		0	0	17,663
ISHARES TR	S&P 500 VAL ETF	464287408	224,869	1,476	SH		SOLE		0	0	1,476
ISHARES TR	S&P MC 400GR ETF	464287606	645,202	9,317	SH		SOLE		0	0	9,317
ISHARES TR	S&P MC 400VL ETF	464287705	1,566,394	16,433	SH		SOLE		0	0	16,433
ISHARES TR	S&P SML 600 GWT	464287887	337,463	3,229	SH		SOLE		0	0	3,229
ISHARES TR	SELECT DIVID ETF	464287168	376,024	3,572	SH		SOLE		0	0	3,572
ISHARES TR	SP SMCP600VL ETF	464287879	430,290	5,121	SH		SOLE		0	0	5,121
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	469,982	8,913	SH		SOLE		0	0	8,913
J P MORGAN EXCHANGE TRADED F	US QUALTY FCTR	46641Q761	7,956,074	187,599	SH		SOLE		0	0	187,599
JANUS DETROIT STR TR	HENDERSN SML ETF	47103U209	1,763,733	31,917	SH		SOLE		0	0	31,917
JOHNSON & JOHNSON	COM	478160104	1,000,386	6,728	SH		SOLE		0	0	6,728
JPMORGAN CHASE & CO	COM	46625H100	1,189,059	8,558	SH		SOLE		0	0	8,558
LLOYDS BANKING GROUP PLC	SPONSORED ADR	539439109	39,478	20,455	SH		SOLE		0	0	20,455
LOCKHEED MARTIN CORP	COM	539830109	517,975	1,145	SH		SOLE		0	0	1,145
LOWES COS INC	COM	548661107	781,037	4,083	SH		SOLE		0	0	4,083
M & T BK CORP	COM	55261F104	201,946	1,801	SH		SOLE		0	0	1,801
MARVELL TECHNOLOGY INC	COM	573874104	209,498	4,392	SH		SOLE		0	0	4,392
MASTERCARD INCORPORATED	CL A	57636Q104	378,576	1,002	SH		SOLE		0	0	1,002
MCDONALDS CORP	COM	580135101	250,967	958	SH		SOLE		0	0	958
MERCK & CO INC	COM	58933Y105	1,469,212	14,285	SH		SOLE		0	0	14,285
META PLATFORMS INC	CL A	30303M102	770,270	2,470	SH		SOLE		0	0	2,470
MICROSOFT CORP	COM	594918104	5,950,328	17,194	SH		SOLE		0	0	17,194
MONDELEZ INTL INC	CL A	609207105	372,187	5,570	SH		SOLE		0	0	5,570
MORGAN STANLEY	COM NEW	617446448	564,407	7,955	SH		SOLE		0	0	7,955
NEXTERA ENERGY INC	COM	65339F101	425,078	7,275	SH		SOLE		0	0	7,275
NIKE INC	CL B	654106103	413,718	4,101	SH		SOLE		0	0	4,101
NORFOLK SOUTHN CORP	COM	655844108	414,044	2,177	SH		SOLE		0	0	2,177
NOVO-NORDISK A S	ADR	670100205	210,500	2,155	SH		SOLE		0	0	2,155
NUVEEN AMT FREE QLTY MUN INC	COM	670657105	537,167	55,321	SH		SOLE		0	0	55,321
NUVEEN MUN VALUE FD INC	COM	670928100	595,505	73,610	SH		SOLE		0	0	73,610
NUVEEN N Y MUN VALUE FD	COM	67062M105	368,168	47,752	SH		SOLE		0	0	47,752
NUVEEN N Y SELECT TAX FREE I	SH BEN INT	67063V104	414,647	37,322	SH		SOLE		0	0	37,322
NUVEEN NEW JERSEY QULT MUN F	COM	67069Y102	292,563	28,267	SH		SOLE		0	0	28,267
NUVEEN SELECT TAX-FREE INCOM	SH BEN INT	67062F100	167,959	12,638	SH		SOLE		0	0	12,638
NVIDIA CORPORATION	COM	67066G104	1,383,321	3,268	SH		SOLE		0	0	3,268
ORACLE CORP	COM	68389X105	2,099,772	19,856	SH		SOLE		0	0	19,856
PACER FDS TR	PACER US SMALL	69374H857	249,476	6,226	SH		SOLE		0	0	6,226
PEPSICO INC	COM	713448108	733,351	4,448	SH		SOLE		0	0	4,448
PFIZER INC	COM	717081103	1,283,342	42,063	SH		SOLE		0	0	42,063
PIMCO ETF TR	INTER MUN BD ACT	72201R866	546,023	11,033	SH		SOLE		0	0	11,033
PNC FINL SVCS GROUP INC	COM	693475105	397,904	3,507	SH		SOLE		0	0	3,507
PROCTER AND GAMBLE CO	COM	742718109	636,740	4,256	SH		SOLE		0	0	4,256
PROSHARES TR	S&P 500 DV ARIST	74348A467	3,497,235	40,846	SH		SOLE		0	0	40,846
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	293,623	4,707	SH		SOLE		0	0	4,707
QUALCOMM INC	COM	747525103	474,831	4,282	SH		SOLE		0	0	4,282
RTX CORPORATION	COM	75513E101	327,368	3,985	SH		SOLE		0	0	3,985
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	3,453,042	111,066	SH		SOLE		0	0	111,066
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	503,969	7,395	SH		SOLE		0	0	7,395
SEALED AIR CORP NEW	COM	81211K100	689,770	22,660	SH		SOLE		0	0	22,660
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	564,113	17,320	SH		SOLE		0	0	17,320
SELECT SECTOR SPDR TR	INDL	81369Y704	320,315	3,246	SH		SOLE		0	0	3,246
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	245,942	3,628	SH		SOLE		0	0	3,628
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	527,620	3,156	SH		SOLE		0	0	3,156
SHELL PLC	SPON ADS	780259305	200,355	3,064	SH		SOLE		0	0	3,064
SOUTHERN CO	COM	842587107	299,091	4,371	SH		SOLE		0	0	4,371
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,544,822	3,655	SH		SOLE		0	0	3,655
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	2,228,505	5,123	SH		SOLE		0	0	5,123
SPDR SER TR	NUVEEN BLMBRG SH	78468R739	706,571	15,264	SH		SOLE		0	0	15,264
SPDR SER TR	NUVEEN BLOOMBERG	78464A284	1,012,815	43,637	SH		SOLE		0	0	43,637
SPDR SER TR	PORTFOLIO CRPORT	78464A144	1,867,530	68,735	SH		SOLE		0	0	68,735
SPDR SER TR	PORTFOLIO INTRMD	78464A375	252,551	8,092	SH		SOLE		0	0	8,092
SPDR SER TR	PORTFOLIO S&P600	78468R853	2,561,556	73,313	SH		SOLE		0	0	73,313
SPDR SER TR	PORTFOLIO SHORT	78464A474	1,227,984	41,968	SH		SOLE		0	0	41,968
SPDR SER TR	PRTFLO S&P500 GW	78464A409	4,431,474	75,687	SH		SOLE		0	0	75,687
SPDR SER TR	PRTFLO S&P500 VL	78464A508	3,523,331	86,145	SH		SOLE		0	0	86,145
STRYKER CORPORATION	COM	863667101	472,007	1,735	SH		SOLE		0	0	1,735
TEMPLETON EMERGING MKTS INCO	COM	880192109	64,960	14,000	SH		SOLE		0	0	14,000
TESLA INC	COM	88160R101	299,030	1,454	SH		SOLE		0	0	1,454
THE CIGNA GROUP	COM	125523100	341,898	1,105	SH		SOLE		0	0	1,105
THERMO FISHER SCIENTIFIC INC	COM	883556102	204,234	463	SH		SOLE		0	0	463
TJX COS INC NEW	COM	872540109	409,303	4,648	SH		SOLE		0	0	4,648
TORONTO DOMINION BK ONT	COM NEW	891160509	252,042	4,508	SH		SOLE		0	0	4,508
TRANE TECHNOLOGIES PLC	SHS	G8994E103	2,828,235	13,247	SH		SOLE		0	0	13,247
UNILEVER PLC	SPON ADR NEW	904767704	291,427	6,173	SH		SOLE		0	0	6,173
UNITED PARCEL SERVICE INC	CL B	911312106	472,943	3,383	SH		SOLE		0	0	3,383
UNITEDHEALTH GROUP INC	COM	91324P102	1,251,386	2,354	SH		SOLE		0	0	2,354
VALLEY NATL BANCORP	COM	919794107	87,536	11,295	SH		SOLE		0	0	11,295
VANECK ETF TRUST	FALLEN ANGEL HG	92189F437	385,002	14,323	SH		SOLE		0	0	14,323
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	220,544	4,611	SH		SOLE		0	0	4,611
VANECK ETF TRUST	IG FLOATING RATE	92189F486	393,166	15,664	SH		SOLE		0	0	15,664
VANECK ETF TRUST	SHRT HGH YLD MUN	92189F387	1,637,317	76,528	SH		SOLE		0	0	76,528
VANGUARD ADMIRAL FDS INC	SMLCP 600 GRTH	921932794	235,021	2,616	SH		SOLE		0	0	2,616
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	1,162,116	14,042	SH		SOLE		0	0	14,042
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	1,282,283	17,924	SH		SOLE		0	0	17,924
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	216,432	2,880	SH		SOLE		0	0	2,880
VANGUARD INDEX FDS	GROWTH ETF	922908736	718,216	2,644	SH		SOLE		0	0	2,644
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	565,352	2,919	SH		SOLE		0	0	2,919
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	276,646	2,179	SH		SOLE		0	0	2,179
VANGUARD INDEX FDS	MID CAP ETF	922908629	465,577	2,337	SH		SOLE		0	0	2,337
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	5,042,597	12,983	SH		SOLE		0	0	12,983
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	1,433,135	9,381	SH		SOLE		0	0	9,381
VANGUARD INDEX FDS	VALUE ETF	922908744	9,201,363	68,229	SH		SOLE		0	0	68,229
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	449,901	4,421	SH		SOLE		0	0	4,421
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	731,091	15,463	SH		SOLE		0	0	15,463
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	2,085,795	43,893	SH		SOLE		0	0	43,893
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	4,214,435	56,170	SH		SOLE		0	0	56,170
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	384,097	2,497	SH		SOLE		0	0	2,497
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	1,087,061	25,476	SH		SOLE		0	0	25,476
VANGUARD WHITEHALL FDS	INTL DVD ETF	921946810	1,779,523	25,220	SH		SOLE		0	0	25,220
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	2,080,727	9,116	SH		SOLE		0	0	9,116
VERTEX PHARMACEUTICALS INC	COM	92532F100	358,989	972	SH		SOLE		0	0	972
VISA INC	COM CL A	92826C839	616,491	2,584	SH		SOLE		0	0	2,584
WALMART INC	COM	931142103	511,756	3,104	SH		SOLE		0	0	3,104
WELLS FARGO CO NEW	COM	949746101	540,835	13,654	SH		SOLE		0	0	13,654
WISDOMTREE TR	GLB US QTLY DIV	97717W844	2,611,389	80,227	SH		SOLE		0	0	80,227
WISDOMTREE TR	ITL HIGH DIV FD	97717W802	1,408,238	39,837	SH		SOLE		0	0	39,837
WISDOMTREE TR	US MIDCAP FUND	97717W570	3,177,072	66,189	SH		SOLE		0	0	66,189