13F COMBINATION REPORT

Human Investing LLC

Quarter ended Q3 2025 · Filed November 3, 2025 · Accession 0001767513-25-000007

Total Value

$634.9M

Positions

118

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (130)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	VANGUARD INDEX FDS	922908363	288,556	$176.7M	26.11%
2	VANGUARD TAX-MANAGED FDS	921943858	1,141,877	$68.4M	10.11%
3	ISHARES TR	464287507	527,483	$34.4M	5.09%
4	VANGUARD WHITEHALL FDS	921946406	238,199	$33.6M	4.96%
5	VANGUARD SPECIALIZED FUNDS	921908844	155,164	$33.5M	4.95%
6	VANGUARD BD INDEX FDS	921937827	407,793	$32.2M	4.75%
7	VANGUARD CHARLOTTE FDS	92203J407	552,461	$27.3M	4.04%
8	ISHARES TR	464287200	39,738	$26.6M	3.93%
9	ISHARES TR	464287804	152,172	$18.1M	2.67%
10	VANGUARD INTL EQUITY INDEX F	922042858	331,847	$18.0M	2.66%
11	VANGUARD BD INDEX FDS	921937819	228,353	$17.8M	2.63%
12	VANGUARD SCOTTSDALE FDS	92206C102	277,329	$16.3M	2.41%
13	VANGUARD WORLD FD	921910733	124,076	$14.7M	2.17%
14	VANGUARD WHITEHALL FDS	921946794	159,812	$13.5M	2.00%
15	VANGUARD WHITEHALL FDS	921946810	131,542	$11.8M	1.74%
16	VANGUARD INDEX FDS	922908363	18,684	$11.4M	1.69%
17	BROADCOM INC	AVGO	26,669	$8.8M	1.30%
18	VANGUARD INDEX FDS	922908769	20,803	$6.8M	1.01%
19	VANGUARD INDEX FDS	922908637	18,448	$5.7M	0.84%
20	VANGUARD BD INDEX FDS	921937835	67,276	$5.0M	0.74%
21	VANGUARD INDEX FDS	922908553	54,179	$5.0M	0.73%
22	VANGUARD WORLD FD	921910725	65,149	$4.5M	0.67%
23	APPLE INC	AAPL	16,849	$4.3M	0.63%
24	VANGUARD TAX-MANAGED FDS	921943858	69,086	$4.1M	0.61%
25	MICROSOFT CORP	MSFT	7,672	$4.0M	0.59%
26	VANGUARD WORLD FD	921910691	56,345	$3.6M	0.53%
27	VANGUARD BD INDEX FDS	921937827	38,267	$3.0M	0.45%
28	VANGUARD SCOTTSDALE FDS	92206C706	48,126	$2.9M	0.43%
29	VANGUARD CHARLOTTE FDS	92203J407	52,624	$2.6M	0.38%
30	ABBVIE INC	ABBV	10,780	$2.5M	0.37%
31	VANGUARD WORLD FD	921910733	20,781	$2.5M	0.36%
32	VANGUARD STAR FDS	921909768	30,517	$2.2M	0.33%
33	ISHARES TR	464287507	30,538	$2.0M	0.29%
34	BLOCK H & R INC	BSQKZ	35,261	$1.8M	0.26%
35	ELI LILLY & CO	LLY	2,320	$1.8M	0.26%
36	VANGUARD BD INDEX FDS	921937819	21,820	$1.7M	0.25%
37	NIKE INC	NKE	24,218	$1.7M	0.25%
38	VANGUARD SCOTTSDALE FDS	92206C102	27,542	$1.6M	0.24%
39	BERKSHIRE HATHAWAY INC DEL	BRK-A	2	$1.5M	0.22%
40	ALPHABET INC	GOOG	6,178	$1.5M	0.22%
41	SCHWAB STRATEGIC TR	808524201	54,897	$1.4M	0.21%
42	ISHARES TR	464288158	12,226	$1.3M	0.19%
43	HOME DEPOT INC	HD	2,956	$1.2M	0.18%
44	ISHARES TR	464287150	8,186	$1.2M	0.18%
45	VANGUARD SPECIALIZED FUNDS	921908844	5,311	$1.1M	0.17%
46	VANGUARD WHITEHALL FDS	921946406	8,077	$1.1M	0.17%
47	NOVO-NORDISK A S	NONOF	18,810	$1.0M	0.15%
48	INTERDIGITAL INC	IDCC	3,000	$1.0M	0.15%
49	VANGUARD INTL EQUITY INDEX F	922042858	18,821	$1.0M	0.15%
50	VANGUARD MUN BD FDS	922907746	20,285	$1.0M	0.15%
51	ISHARES TR	46434V621	14,807	$1.0M	0.15%
52	ISHARES TR	464287804	8,419	$1.0M	0.15%
53	ISHARES TR	46435G326	12,252	$982,281	0.15%
54	VANGUARD BD INDEX FDS	921937793	13,731	$972,847	0.14%
55	AMGEN INC	AMGN	3,316	$935,653	0.14%
56	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,826	$918,004	0.14%
57	AMAZON COM INC	AMZN	4,043	$887,726	0.13%
58	ISHARES TR	46432F842	9,796	$855,276	0.13%
59	VANGUARD WORLD FD	921910725	11,574	$802,870	0.12%
60	GLOBAL X FDS	37954Y889	9,558	$774,771	0.11%
61	QUALCOMM INC	QCOM	4,365	$726,111	0.11%
62	ISHARES INC	46434G103	10,877	$717,044	0.11%
63	MCDONALDS CORP	MCD	2,228	$677,176	0.10%
64	ISHARES TR	46429B663	5,439	$665,976	0.10%
65	JOHNSON & JOHNSON	JNJ	3,568	$661,529	0.10%
66	VANGUARD INDEX FDS	922908751	2,519	$640,525	0.09%
67	NVIDIA CORPORATION	NVDA	3,339	$622,934	0.09%
68	PAYCHEX INC	PAYX	4,695	$595,126	0.09%
69	SPDR GOLD TR	GLD	1,582	$562,354	0.08%
70	TEXAS INSTRS INC	882508104	2,949	$541,894	0.08%
71	ISHARES TR	46435G524	6,703	$534,038	0.08%
72	SCHWAB STRATEGIC TR	808524847	24,585	$530,301	0.08%
73	VANGUARD INDEX FDS	922908629	1,796	$527,700	0.08%
74	ALPHABET INC	GOOG	2,165	$527,243	0.08%
75	ISHARES TR	46436E569	9,900	$510,060	0.08%
76	ORACLE CORP	ORCL-PD	1,808	$508,493	0.08%
77	ABBOTT LABS	ABLZF	3,461	$463,553	0.07%
78	HP INC	HPQ	16,608	$452,223	0.07%
79	ISHARES SILVER TR	SLV	10,636	$450,648	0.07%
80	INTERNATIONAL BUSINESS MACHS	INTR	1,508	$425,498	0.06%
81	PHILIP MORRIS INTL INC	718172109	2,588	$419,787	0.06%
82	VANGUARD WHITEHALL FDS	921946794	4,858	$411,367	0.06%
83	VANGUARD WHITEHALL FDS	921946810	4,523	$405,088	0.06%
84	VANGUARD WORLD FD	921910691	5,999	$385,140	0.06%
85	JPMORGAN CHASE & CO.	VYLD	1,198	$377,886	0.06%
86	ISHARES TR	464287721	1,804	$353,332	0.05%
87	ACCENTURE PLC IRELAND	ACN	1,429	$352,293	0.05%
88	CISCO SYS INC	CSCO	4,923	$336,832	0.05%
89	MERCK & CO INC	MRK	4,004	$336,056	0.05%
90	CAPITAL ONE FINL CORP	14040H105	1,470	$312,517	0.05%
91	CATERPILLAR INC	CAT	652	$311,126	0.05%
92	INFOSYS LTD	INFY	18,883	$307,230	0.05%
93	UNITED RENTALS INC	URI	312	$297,854	0.04%
94	EMERSON ELEC CO	EMR	2,087	$273,721	0.04%
95	GILEAD SCIENCES INC	GILD	2,425	$269,190	0.04%
96	VANGUARD SCOTTSDALE FDS	92206C706	4,444	$266,784	0.04%
97	META PLATFORMS INC	META	360	$264,579	0.04%
98	PROCTER AND GAMBLE CO	742718109	1,688	$259,300	0.04%
99	SCHWAB STRATEGIC TR	808524201	9,448	$248,851	0.04%
100	RTX CORPORATION	RTX	1,483	$248,151	0.04%
101	TESLA INC	TSLA	553	$246,086	0.04%
102	VANGUARD INDEX FDS	922908637	788	$242,594	0.04%
103	INVESCO QQQ TR	IVZ	394	$236,546	0.03%
104	AMDOCS LTD	DOX	2,855	$234,253	0.03%
105	ISHARES TR	46436E759	3,013	$228,203	0.03%
106	ISHARES TR	464287309	1,859	$224,419	0.03%
107	WASTE MGMT INC DEL	94106L109	997	$220,168	0.03%
108	MOODYS CORP	MCO	462	$219,920	0.03%
109	ISHARES TR	464287408	1,010	$208,576	0.03%
110	SCHWAB STRATEGIC TR	808524508	6,539	$193,828	0.03%
111	VANGUARD INDEX FDS	922908553	1,779	$162,595	0.02%
112	VANGUARD INDEX FDS	922908769	261	$85,765	0.01%
113	ISHARES TR	46436E569	1,519	$78,276	0.01%
114	ISHARES TR	464287200	110	$73,340	0.01%
115	ISHARES TR	46436E759	648	$49,103	0.01%
116	ISHARES INC	46434G103	564	$37,148	0.01%
117	VANGUARD BD INDEX FDS	921937835	368	$27,387	0.00%
118	ISHARES TR	46435G326	291	$23,339	0.00%
119	ISHARES TR	464287309	175	$21,126	0.00%
120	SCHWAB STRATEGIC TR	808524508	650	$19,268	0.00%
121	MICROSOFT CORP	MSFT	34	$17,610	0.00%
122	VANGUARD INDEX FDS	922908751	68	$17,291	0.00%
123	VANGUARD BD INDEX FDS	921937793	201	$14,251	0.00%
124	CATERPILLAR INC	CAT	23	$10,974	0.00%
125	ISHARES TR	464287721	49	$9,597	0.00%
126	VANGUARD STAR FDS	921909768	98	$7,199	0.00%
127	ISHARES TR	464287408	32	$6,608	0.00%
128	ISHARES TR	464287150	9	$1,354	0.00%
129	ISHARES TR	46435G524	0	$4	0.00%
130	SCHWAB STRATEGIC TR	808524847	0	$4	0.00%