13F HOLDINGS REPORT

RICHARDSON FINANCIAL SERVICES INC.

Quarter ended Q4 2024 · Filed January 24, 2025 · Accession 0002012303-25-000001

Total Value

$142.3M

Positions

1,208

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (500)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	APPLE INC	AAPL	20,224	$5.1M	3.71%
2	SPDR S&P 500 ETF	78464A854	47,397	$3.3M	2.39%
3	SPDR S&P 500 ETF	78464A854	46,457	$3.2M	2.34%
4	VANGUARD VALUE ETF	922908744	17,780	$3.0M	2.19%
5	NVIDIA CORP	NVDA	21,673	$3.0M	2.17%
6	VANGUARD GROWTH ETF	922908736	6,315	$2.6M	1.90%
7	MICROSOFT CORPORATION	MSFT	5,695	$2.4M	1.76%
8	VANGUARD VALUE ETF	922908744	10,405	$1.8M	1.28%
9	AMAZON.COM INC	AMZN	7,850	$1.7M	1.26%
10	Vanguard Growth ETF	922908736	4,161	$1.7M	1.24%
11	ALPHABET INC A	GOOG	8,900	$1.7M	1.24%
12	ISHARES HIGH YIELD CORP	464288513	21,435	$1.7M	1.23%
13	ISHARES 0-5 YEAR HIGH YIELD CORP ETF	46434V407	36,937	$1.6M	1.15%
14	APPLE INC	AAPL	6,084	$1.5M	1.12%
15	VANGUARD GROWTH ETF	922908736	3,698	$1.5M	1.11%
16	SPDR PORT E/MKTS ETF	78463X509	38,256	$1.5M	1.07%
17	SPDR PORT E/MKTS ETF	78463X509	37,050	$1.4M	1.04%
18	SPDR DEV WORLD EX-US ETF	78463X889	40,293	$1.4M	1.00%
19	Vanguard FTSE Developed Markets ETF	921943858	28,055	$1.3M	0.98%
20	SPDR DEV WORLD EX-US ETF	78463X889	39,093	$1.3M	0.97%
21	VISA INC CL A	V	4,167	$1.3M	0.96%
22	MASTERCARD INC A	MA	2,364	$1.2M	0.90%
23	Vanguard Value ETF	922908744	7,264	$1.2M	0.89%
24	ISHARES CORE MSCI EMERGING MKTS	46434G103	22,764	$1.2M	0.87%
25	UNITEDHEALTH GROUP INC	UNH	2,275	$1.2M	0.84%
26	VANGUARD SMALL CAP GROWTH ETF	922908595	4,052	$1.1M	0.83%
27	HOME DEPOT INC	HD	2,855	$1.1M	0.81%
28	T-MOBILE US, INC.	TMUSZ	4,854	$1.1M	0.78%
29	TESLA INC	TSLA	2,499	$1.0M	0.76%
30	JPMORGAN CHASE & CO	VYLD	4,336	$1.0M	0.76%
31	ISHARES CORE MSCI EUROPE ETF	46434V738	18,232	$985,070	0.72%
32	VANGUARD S&P 500	922908363	1,819	$984,072	0.72%
33	COSTCO WHOLESALE CORP	22160K105	1,021	$941,572	0.69%
34	ISHARES CORE TOTAL USD BD MKT ETF	46434V613	20,513	$927,803	0.68%
35	MCDONALDS CORP	MCD	3,040	$880,384	0.64%
36	CINTAS CORP	CTAS	4,760	$874,317	0.64%
37	ISHARES CORE MSCI PACIFIC ETF	46434V696	14,016	$855,957	0.62%
38	Vanguard S&P 500 ETF	922908363	1,509	$813,064	0.59%
39	TRANE TECHNOLOGIES PLC	TT	2,163	$802,169	0.58%
40	ADOBE INC	ADBE	1,793	$799,320	0.58%
41	SPDR S&P 500 ETF	SPY	1,355	$797,037	0.58%
42	THERMO FISHER SCIENTIFIC	TMO	1,445	$749,722	0.55%
43	ISHARES CORE MSCI EMERGING MKTS	46434G103	14,315	$748,760	0.54%
44	SYNOPSYS INC	SNPS	1,496	$728,165	0.53%
45	VANGUARD SMALL CAP VALUE ETF	922908611	3,554	$702,374	0.51%
46	QUANTA SERVICES INC	74762E102	2,185	$696,974	0.51%
47	VANGUARD SMALL CAP GROWTH ETF	922908595	2,440	$684,684	0.50%
48	WALT DISNEY CO	254687106	6,035	$668,678	0.49%
49	WALMART INC	WMT	7,319	$662,883	0.48%
50	ISHARES CORE MSCI EUROPE ETF	46434V738	11,892	$642,467	0.47%
51	SPDR S&P 600 SMALL CAP	78468R853	14,197	$637,304	0.46%
52	ISHARES TREASURY FLOATNG RATE BD ETF	46434V860	12,335	$622,423	0.45%
53	SPDR BLACKSTONE GSO SENIOR LOAN	78467V608	14,842	$618,911	0.45%
54	SPDR S&P 600 SMALL CAP	78468R853	13,508	$606,372	0.44%
55	NEXTERA ENERGY INC	NEE-PW	8,235	$590,939	0.43%
56	TJX COS INC NEW	872540109	4,855	$587,893	0.43%
57	SALESFORCE INC	CRM	1,743	$585,193	0.43%
58	VANGUARD SMALL CAP ETF	922908751	2,436	$584,857	0.43%
59	ISHARES JPMORGAN USD EMERG MARKETS BOND	464288281	6,462	$576,477	0.42%
60	VNGRD MEGA CAP GRWTH ETF	921910816	1,642	$569,299	0.41%
61	ISHARES CORE S&P MID CAP ETF	464287507	9,063	$563,448	0.41%
62	EOG RESOURCES INC	EOG	4,663	$562,267	0.41%
63	BROADCOM INC	AVGO	2,360	$555,970	0.40%
64	AMER WATER WORKS COMPANY	030420103	4,470	$555,352	0.40%
65	ASML HOLDING NV	ASMLF	796	$554,141	0.40%
66	PARKER HANNIFIN CORP	PH	866	$551,489	0.40%
67	SPDR BLM BARCLAYS HIGH YLD BOND	78468R622	5,762	$550,215	0.40%
68	META PLATFORMS INC A	META	903	$533,892	0.39%
69	AMGEN INC	AMGN	2,004	$519,646	0.38%
70	ISHARES HIGH YIELD CORP	464288513	6,569	$516,718	0.38%
71	Vanguard FTSE Emerging Markets ETF	922042858	11,335	$499,193	0.36%
72	CAPITAL ONE FINL CORP	14040H105	2,767	$492,332	0.36%
73	SPDR BLM BARCLAYS HIGH YLD BOND	78468R622	5,149	$491,674	0.36%
74	ISHARES TREASURY FLOATNG RATE BD ETF	46434V860	9,698	$489,361	0.36%
75	Vanguard Tax-Exempt Bond ETF	922907746	9,702	$486,361	0.35%
76	SPDR S&P 400 MDCP ETF	78464A847	8,849	$483,071	0.35%
77	COMMUNICATION SVCS SELECT SECTOR SPDR	81369Y852	4,971	$482,834	0.35%
78	ISHARES CORE MSCI PACIFIC ETF	46434V696	7,900	$482,493	0.35%
79	SPDR S&P 400 MDCP ETF	78464A847	8,828	$481,925	0.35%
80	JPMORGAN BETABUILDERS US EQY ETF	46641Q399	4,523	$481,039	0.35%
81	CONS DSCR SEL SPDR ETF	81369Y407	2,117	$478,549	0.35%
82	FINL SEL SECT SPDR ETF	81369Y605	9,891	$477,537	0.35%
83	PALO ALTO NETWORKS INC	PANW	2,590	$476,894	0.35%
84	PIMCO 0-5 YEAR HI YLD CORP BOND IDX	72201R783	5,034	$474,460	0.35%
85	NXP SEMICONDUCTORS NV	NXPI	2,266	$470,127	0.34%
86	LINDE PLC NEW	LIN	1,117	$466,528	0.34%
87	PEPSICO INC	PEP	3,062	$464,564	0.34%
88	COMMUNICATION SVCS SELECT SECTOR SPDR	81369Y852	4,765	$462,824	0.34%
89	FINL SEL SECT SPDR ETF	81369Y605	9,520	$459,625	0.33%
90	NORTHROP GRUMMAN CORP	NOC	981	$457,657	0.33%
91	CONS DSCR SEL SPDR ETF	81369Y407	2,021	$456,847	0.33%
92	EXXON MOBIL CORP	XOM	4,289	$453,604	0.33%
93	VANGUARD SMALL CAP VALUE ETF	922908611	2,278	$450,084	0.33%
94	CME GROUP INC CL A	CME	1,934	$447,786	0.33%
95	ZOETIS, INC.	ZTS	2,699	$437,885	0.32%
96	S&P GLOBAL INC	SPGI	878	$436,762	0.32%
97	SPDR BLOOMBERG TBILL ETF	78468R663	4,749	$434,107	0.32%
98	SPDR S&P 500 ETF	78464A854	6,202	$429,179	0.31%
99	AMERICAN TOWER CORPORATION	03027X100	2,300	$418,413	0.30%
100	ISHARES CORE MSCI EAFE	46432F842	5,941	$417,773	0.30%
101	BERKSHIRE HATHAWAY, INC. CL B	BRK-A	898	$406,041	0.30%
102	VNGRD REAL EST INDX ETF	922908553	4,445	$392,540	0.29%
103	VNGRD MEGA CAP VAL ETF	921910840	3,133	$390,122	0.28%
104	JPMORGAN GLOBAL SELECT EQUITY ETF	46654Q740	6,467	$389,380	0.28%
105	Vanguard Total Stock Market ETF	922908769	1,341	$388,635	0.28%
106	VERTEX PHARMS INC	VRTX	970	$387,373	0.28%
107	Vanguard Wellesley Income Admiral	921938205	6,272	$376,249	0.27%
108	Vanguard Tax-Exempt Bond ETF	922907746	7,344	$368,155	0.27%
109	SPDR SSgA Ultra Short Term Bond ETF	78467V707	9,049	$365,670	0.27%
110	Vanguard Total Bond Market ETF	921937835	5,040	$362,426	0.26%
111	ROPER TECHNOLOGIES INC	ROP	675	$350,911	0.26%
112	SPDR S&P INTL SMCP ETF	78463X871	11,288	$349,928	0.25%
113	SPDR S&P INTL SMCP ETF	78463X871	11,171	$346,301	0.25%
114	VNGRD MDCP GRW ETF	922908538	1,343	$342,585	0.25%
115	Vanguard Small-Cap ETF	922908751	1,424	$342,159	0.25%
116	SPDR BLOOMBERG TBILL ETF	78468R663	3,590	$328,165	0.24%
117	SPDR AGGREGATE BOND ETF	78464A649	12,812	$320,811	0.23%
118	SPDR AGGREGATE BOND ETF	78464A649	12,519	$313,475	0.23%
119	JPM BETABLDR CDA ETF	46641Q225	4,384	$308,325	0.22%
120	VNGRD FTSE SMALL CAP ETF	922042718	2,674	$305,686	0.22%
121	PIMCO 0-5 YEAR HI YLD CORP BOND IDX	72201R783	3,243	$305,547	0.22%
122	WILLIAMS CO., INC.	969457100	5,590	$302,754	0.22%
123	INTL PAPER COMPANY	460146103	5,542	$297,333	0.22%
124	SPDR LONG TERM TREAS ETF	78464A664	11,252	$295,699	0.22%
125	NETFLIX INC	NFLX	315	$283,634	0.21%
126	ISHARES TR MSCI USA MIN VOL	46429B697	3,190	$283,015	0.21%
127	ENTERGY CORP NEW	ENO	3,713	$281,227	0.20%
128	SPDR NUVEEN BLOOMBERG MUNI BOND	78468R721	6,101	$278,510	0.20%
129	Vanguard S&P 500 ETF	922908363	509	$274,254	0.20%
130	SPDR GOLD TRUST GOLD ETF	GLD	1,102	$265,171	0.19%
131	ANHEUSER BUSCH INBEV	BUDFF	5,271	$262,390	0.19%
132	SPDR GOLD TRUST GOLD ETF	GLD	1,078	$259,409	0.19%
133	SPDR DOUBLELINE TOTAL RETURN TACT	78467V848	6,556	$258,306	0.19%
134	CINCINNATI FINL CORP	172062101	1,743	$249,491	0.18%
135	VNGRD MDCP VAL ETF	922908512	1,531	$247,071	0.18%
136	ALTRIA GROUP INC	MO	4,700	$244,774	0.18%
137	FIFTH THIRD BANCORP	FITBM	5,545	$236,883	0.17%
138	SPDR S&P 500 ETF Trust	SPY	400	$234,432	0.17%
139	DUKE ENERGY CORP	DUKB	2,163	$232,976	0.17%
140	VNGRD REAL EST INDX ETF	922908553	2,638	$232,870	0.17%
141	SPDR BLM BARCLAYS HIGH YLD BOND	78468R622	2,419	$230,991	0.17%
142	VANGUARD TOTAL INT'L BOND ETF	92203J407	4,692	$230,234	0.17%
143	AT&T INC	T-PC	10,178	$230,124	0.17%
144	CHEVRON CORP	CVX	1,607	$229,915	0.17%
145	U S BANCORP DE NEW	USB-PS	4,691	$226,343	0.16%
146	FT SENIOR LOAN FD ETF	33738D309	4,841	$223,993	0.16%
147	VANECK ETF TRUST HIGH YIELD MUNI	92189H409	4,292	$222,326	0.16%
148	SPDR DOUBLELINE TOTAL RETURN TACT	78467V848	5,619	$221,392	0.16%
149	ISHARES RUSSELL MID CAP VALUE ETF	464287473	1,711	$220,925	0.16%
150	ABBVIE INC	ABBV	1,249	$220,074	0.16%
151	AMER ELEC PWR CO INC	025537101	2,378	$218,918	0.16%
152	Vanguard Total International Stock ETF	921909768	3,693	$217,628	0.16%
153	SPDR BLOOMBERG ENCD RL YLD CM ETF	78468R440	8,420	$217,581	0.16%
154	ELI LILLY & CO	LLY	281	$217,447	0.16%
155	PROCTER & GAMBLE CO	742718109	1,298	$216,715	0.16%
156	SPDR BLOOMBERG ENCD RL YLD CM ETF	78468R440	8,302	$214,525	0.16%
157	JPM BETABLDR CDA ETF	46641Q225	3,014	$211,979	0.15%
158	HCA HEALTHCARE INC	HCA	700	$208,897	0.15%
159	Vanguard S&P 500 ETF	922908363	385	$207,442	0.15%
160	PHILIP MORRIS INTERNATIONAL INC	718172109	1,702	$204,255	0.15%
161	CITIZENS FINANCIAL GROUP INC	CIA	4,588	$199,854	0.15%
162	SPDR LONG TERM TREAS ETF	78464A664	7,574	$199,031	0.14%
163	ISHARES CORE MSCI EMERGING MKTS	46434G103	3,750	$196,165	0.14%
164	Vanguard High Dividend Yield ETF	921946406	1,537	$196,106	0.14%
165	VNGRD FTSE SMALL CAP ETF	922042718	1,709	$195,442	0.14%
166	NISOURCE INC	NI	5,279	$193,740	0.14%
167	SEMPRA	SREA	2,205	$192,609	0.14%
168	SPDR PORT INTER TRM TRSRY ETF	78464A672	6,825	$190,467	0.14%
169	BANK AMERICA CORP	060505104	4,295	$188,595	0.14%
170	PUBLIC SERVICE ENTER GROUP, INC.	744573106	2,190	$184,990	0.13%
171	ISHARES TR MSCI USA MIN VOL	46429B697	2,081	$184,518	0.13%
172	SPDR GOLD MINISHARES	GLDW	3,517	$181,656	0.13%
173	LOCKHEED MARTIN CORP	LMT	374	$180,782	0.13%
174	METLIFE INC	MET-PF	2,214	$180,465	0.13%
175	Value Line Select Growth Fund	VALU	5,186	$179,504	0.13%
176	COCA COLA COMPANY	KO	2,863	$177,593	0.13%
177	DTE ENERGY CO	DTK	1,445	$174,199	0.13%
178	INTL BUSINESS MACHS CORP	INTR	785	$172,900	0.13%
179	VERIZON COMMUNICATIONS, INC.	VZ	4,322	$171,151	0.12%
180	SPDR BLOOMBERG BARCLAYS EM LOCAL BD	78464A391	8,690	$170,153	0.12%
181	FIRSTENERGY CORP	FE	4,255	$168,671	0.12%
182	Vanguard Total Stock Market ETF	922908769	581	$168,380	0.12%
183	INTUITIVE SURGICAL NEW	ISRG	317	$167,047	0.12%
184	SPDR BLOOMBERG BARCLAYS EM LOCAL BD	78464A391	8,403	$164,528	0.12%
185	SPDR S&P 500 GROWTH ETF	78464A409	1,849	$163,952	0.12%
186	SPDR INTERMED TERM ETF	78464A375	4,990	$163,623	0.12%
187	VANGUARD SMALL CAP GROWTH ETF	922908595	578	$162,112	0.12%
188	VANGUARD SMALL CAP VALUE ETF	922908611	813	$160,673	0.12%
189	Vanguard S&P 500 ETF	922908363	298	$160,565	0.12%
190	KLA CORP	KLAC	252	$159,676	0.12%
191	Vanguard Total International Bond ETF	92203J407	3,220	$157,941	0.11%
192	FIDELITY NATL FINL INC	FNF	2,815	$157,865	0.11%
193	WEC ENERGY GRP, INC.	WEC	1,673	$157,612	0.11%
194	NOVO NORDISK AS ADR	NONOF	1,820	$156,031	0.11%
195	DOMINION ENERGY INC	D	2,855	$153,800	0.11%
196	CITIGROUP INC NEW	C-PR	2,160	$152,045	0.11%
197	VANGUARD GLOBAL EX-US REAL ESTATE	922042676	3,846	$151,993	0.11%
198	ISHARES BROAD USD HIGH YIELD CORP BOND	46435U853	4,126	$151,756	0.11%
199	JPMORGAN BETA BUILDERS INTL	46641Q373	2,634	$150,288	0.11%
200	AIRBNB INC CL A	ABNB	1,130	$148,945	0.11%
201	VNGRD EXTND MARKET ETF	922908652	782	$148,721	0.11%
202	Vanguard S&P 500 ETF	922908363	272	$146,556	0.11%
203	Vanguard FTSE Developed Markets ETF	921943858	3,040	$145,373	0.11%
204	SPDR S&P 500 ETF Trust	SPY	246	$144,176	0.10%
205	SPDR PORT INTER TRM TRSRY ETF	78464A672	5,132	$143,233	0.10%
206	GENERAL MILLS INC	370334104	2,190	$138,780	0.10%
207	ISHARES MSCI EMERGING MARKETS AS ETF	464286426	1,927	$138,551	0.10%
208	VNGRD MDCP VAL ETF	922908512	858	$138,462	0.10%
209	SPDR INTERMED TERM ETF	78464A375	4,076	$133,658	0.10%
210	REGIONS FINL CORP NEW	RF-PF	5,635	$133,324	0.10%
211	iShares Core S&P 500 ETF	464287200	226	$133,042	0.10%
212	Vanguard Growth ETF	922908736	317	$130,109	0.09%
213	VNGRD MDCP GRW ETF	922908538	503	$128,311	0.09%
214	CSX CORP	CSX	3,980	$127,959	0.09%
215	XPO INC	XPO	965	$127,951	0.09%
216	Vanguard FTSE Developed Markets ETF	921943858	2,606	$124,619	0.09%
217	UNUM GROUP	UNMA	1,700	$124,191	0.09%
218	ISHS 10-20 TRS ETF	464288653	1,213	$121,117	0.09%
219	Vanguard Intl Hi Div Yld Idx ETF	921946794	1,778	$120,691	0.09%
220	EVERSOURCE ENERGY	ES	2,105	$120,621	0.09%
221	QORVO INC	QRVO	1,715	$119,587	0.09%
222	Navigator Tactical Fixed Income I	NVGS	12,127	$119,570	0.09%
223	Vanguard Total Bond Market ETF	921937835	1,645	$118,292	0.09%
224	ISHARES US TREASURY BOND	46429B267	5,232	$117,588	0.09%
225	ISHARES TR MSCI EAFE MIN VL	46429B689	1,624	$114,723	0.08%
226	AMAZON.COM INC	AMZN	500	$110,650	0.08%
227	LYONDELLBASELL INDUSTRIES NV	LYB	1,485	$108,671	0.08%
228	Vanguard Value ETF	922908744	630	$106,659	0.08%
229	SPDR GOLD MINISHARES	GLDW	2,054	$106,062	0.08%
230	ADVANCED MICRO DEVICES	AMD	862	$105,543	0.08%
231	Vanguard FTSE Developed Markets ETF	921943858	2,187	$104,582	0.08%
232	T. Rowe Price Blue Chip Growth I	77954Q403	556	$104,201	0.08%
233	ISHARES HIGH YIELD CORP	464288513	1,311	$103,123	0.08%
234	Vanguard Total International Stock ETF	921909768	1,735	$102,244	0.07%
235	PFIZER INC	PFE	3,867	$102,170	0.07%
236	SPDR BLOOMBERG 1 10 YR TIPS ETF	78468R861	5,521	$102,077	0.07%
237	AUTOMATIC DATA PROCESSING INC	ADP	347	$101,661	0.07%
238	VANGUARD TOTAL BOND MARKET ETF	921937835	1,405	$101,201	0.07%
239	VANGUARD GLOBAL EX-US REAL ESTATE	922042676	2,549	$100,707	0.07%
240	ISHARES RUSSELL TOP 200 GROWTH ETF	464289438	422	$100,073	0.07%
241	ISHS MBS ETF	464288588	1,082	$99,287	0.07%
242	JPMORGAN CHASE & CO	VYLD	413	$98,839	0.07%
243	SONOCO PRODUCTS CO	835495102	2,015	$97,929	0.07%
244	MARSH & MCLENNAN COS INC	571748102	457	$96,876	0.07%
245	INTERPUBLIC GROUP	INTR	3,485	$96,849	0.07%
246	Vanguard S&P 500 ETF	922908363	177	$95,369	0.07%
247	Vanguard Growth ETF	922908736	231	$94,812	0.07%
248	JPMORGAN BETA YIELD CORP BND ETF	46641Q878	2,040	$94,600	0.07%
249	CHUBB LTD	CB	339	$93,363	0.07%
250	PENTAIR PLC	PNR	916	$91,947	0.07%
251	Vanguard S&P 500 ETF	922908363	170	$91,598	0.07%
252	ISHARES JPMORGAN USD EMERG MARKETS BOND	464288281	1,010	$90,104	0.07%
253	ISHS USD INVT GRD BD ETF	464288620	1,778	$89,540	0.07%
254	SPDR BLACKSTONE GSO SENIOR LOAN	78467V608	2,145	$89,447	0.07%
255	FORD MOTOR CO	345370860	9,040	$89,314	0.06%
256	SPDR BLOOMBERG 1 10 YR TIPS ETF	78468R861	4,819	$89,103	0.06%
257	SPDR BLOOMBG EMG MRK USD BND ETF	78468R515	3,703	$88,316	0.06%
258	WATSCO INC A	WSO-B	185	$87,838	0.06%
259	PRINCIPAL FINANCIAL GROUP INC	PFG	1,120	$86,499	0.06%
260	VANECK ETF TRUST HIGH YIELD MUNI	92189H409	1,668	$86,402	0.06%
261	SPDR BLACKSTONE GSO SENIOR LOAN	78467V608	2,070	$86,324	0.06%
262	ISHARES BROAD USD HIGH YIELD CORP BOND	46435U853	2,343	$86,154	0.06%
263	SPDR BLOOMBG EMG MRK USD BND ETF	78468R515	3,595	$85,739	0.06%
264	ISHARES 10 YR INV BOND	464289511	1,689	$83,808	0.06%
265	Vanguard FTSE Developed Markets ETF	921943858	1,742	$83,302	0.06%
266	AMERN EXPRESS CO	AXP	279	$82,955	0.06%
267	VANGUARD MORTGAGE BACKED SEC IDX ETF	92206C771	1,810	$82,120	0.06%
268	NIKE INC B	NKE	1,099	$82,040	0.06%
269	XCEL ENERGY INC	XELLL	1,210	$81,788	0.06%
270	ANALOG DEVICES INC	ADI	381	$80,985	0.06%
271	THE BANK OF NEW YORK MELLON CORP	064058100	1,035	$79,809	0.06%
272	ISHS MBS ETF	464288588	861	$79,006	0.06%
273	PARKER HANNIFIN CORP	PH	124	$78,963	0.06%
274	ISHARES TR MSCI USA MMENTM	46432F396	379	$78,791	0.06%
275	Columbia Tax-Exempt A	19765L850	6,637	$78,717	0.06%
276	EXXON MOBIL CORP	XOM	739	$78,157	0.06%
277	Vanguard FTSE Developed Markets ETF	921943858	1,633	$78,090	0.06%
278	GENUINE PARTS CO	GPC	655	$75,861	0.06%
279	SCHWAB US TIPS ETF	808524870	2,920	$75,426	0.05%
280	Vanguard Tax-Exempt Bond ETF	922907746	1,502	$75,295	0.05%
281	VANGUARD INTERM-TM CORP BD IDX	92206C870	932	$74,962	0.05%
282	HP INC	HPQ	2,270	$74,073	0.05%
283	TRUIST FINANCIAL CORP	89832Q109	1,695	$73,515	0.05%
284	ISHS MSCI SWITZERLND ETF	464286749	1,559	$72,025	0.05%
285	Vanguard S&P 500 ETF	922908363	133	$71,662	0.05%
286	APPLE INC	AAPL	284	$71,626	0.05%
287	ISHS INVSTMNT BD ETF	464287242	666	$71,336	0.05%
288	H&R BLOCK INC	BSQKZ	1,360	$70,910	0.05%
289	Vanguard Total Stock Market ETF	922908769	242	$70,134	0.05%
290	GOLDMAN SACHS GROUP INC	GSCE	122	$69,975	0.05%
291	VANGUARD SMALL CAP GROWTH ETF	922908595	249	$69,837	0.05%
292	INVESCO S AND P MIDCAP MOMNTM ETF	IVZ	563	$69,676	0.05%
293	SCHLUMBERGER LTD	SLB	1,839	$69,534	0.05%
294	VANGUARD MID CAP ETF	922908629	262	$69,203	0.05%
295	ISHARES TR MSCI EAFE MIN VL	46429B689	975	$68,844	0.05%
296	Vanguard Value ETF	922908744	406	$68,736	0.05%
297	WELLS FARGO & CO NEW	949746101	974	$68,578	0.05%
298	MICROSOFT CORPORATION	MSFT	161	$68,397	0.05%
299	MERCK & COMPANY INC	MRK	693	$68,123	0.05%
300	INVESCO NATIONAL AMT FREE MUNI BOND	IVZ	2,880	$68,084	0.05%
301	JPMORGAN BETA BUILDERS US MID CAP	46641Q340	699	$67,232	0.05%
302	INTL BUSINESS MACHS CORP	INTR	305	$67,176	0.05%
303	Vanguard Value ETF	922908744	393	$66,535	0.05%
304	FIFTH THIRD BANCORP	FITBM	1,554	$66,388	0.05%
305	SPDR DEV WORLD EX-US ETF	78463X889	1,940	$66,270	0.05%
306	ISHS MSCI CANADA ETF	464286509	1,653	$66,269	0.05%
307	VANGUARD VALUE ETF	922908744	391	$65,971	0.05%
308	BLACKROCK FDG INC	BLK	64	$65,753	0.05%
309	NEXTERA ENERGY INC	NEE-PW	903	$64,796	0.05%
310	ISHS SEL DIV ETF	464287168	494	$64,674	0.05%
311	Vanguard S&P 500 ETF	922908363	119	$64,118	0.05%
312	BANK AMERICA CORP	060505104	1,457	$63,978	0.05%
313	AFLAC INC	AFL	621	$63,945	0.05%
314	ALPHABET INC A	GOOG	332	$63,492	0.05%
315	TAIWAN SEMICON MFG CO	874039100	316	$63,325	0.05%
316	BROADCOM INC	AVGO	267	$62,898	0.05%
317	Vanguard Growth ETF	922908736	153	$62,797	0.05%
318	UNITEDHEALTH GROUP INC	UNH	123	$62,459	0.05%
319	WENDYS CO	95058W100	3,780	$61,460	0.04%
320	SOUTHERN COMPANY	SOMN	742	$61,127	0.04%
321	SCHWAB US TIPS ETF	808524870	2,363	$61,038	0.04%
322	LINDE PLC NEW	LIN	146	$60,978	0.04%
323	ASSURANT INC	AIZN	287	$60,923	0.04%
324	Vanguard S&P 500 ETF	922908363	113	$60,886	0.04%
325	VANGUARD MID CAP ETF	922908629	230	$60,757	0.04%
326	PULTEGROUP INC	745867101	557	$60,637	0.04%
327	INVSC S P 500 MOMENTUM ETF	IVZ	634	$60,549	0.04%
328	NVIDIA CORP	NVDA	435	$59,809	0.04%
329	NVENT ELECTRIC PLC	NVT	874	$59,756	0.04%
330	BIO-TECHNE CORP	TECH	820	$59,279	0.04%
331	BROOKFIELD ASSET MNGMT CL A	113004105	1,085	$59,234	0.04%
332	SEAGATE TECH HLDGS PLC	SE	680	$58,844	0.04%
333	Nuveen Core Impact Bond R6	NU	6,560	$58,056	0.04%
334	Vanguard Interm-Term Bond ETF	921937819	761	$56,870	0.04%
335	PROLOGIS, INC.	PLDGP	536	$56,334	0.04%
336	Vanguard Total International Bond ETF	92203J407	1,143	$56,064	0.04%
337	QORVO INC	QRVO	800	$55,784	0.04%
338	WALMART INC	WMT	614	$55,610	0.04%
339	WHIRLPOOL CORP	WHR-PA	485	$55,215	0.04%
340	SPDR DOW JONES REIT ETF	78464A607	561	$54,902	0.04%
341	VISA INC CL A	V	174	$54,864	0.04%
342	Vanguard FTSE Emerging Markets ETF	922042858	1,240	$54,610	0.04%
343	ELEMENT SOLUTIONS INC	ESI	2,086	$53,214	0.04%
344	PAYCHEX INC	PAYX	380	$53,184	0.04%
345	SPDR DJ INTL RL EST ETF	78463X863	2,298	$52,897	0.04%
346	PROCTER & GAMBLE CO	742718109	316	$52,802	0.04%
347	VANGUARD SMALL CAP ETF	922908751	217	$52,089	0.04%
348	FORTIVE CORP	FTV	693	$52,005	0.04%
349	NETAPP INC	NTAP	445	$51,839	0.04%
350	Vanguard Total International Bond ETF	92203J407	1,056	$51,797	0.04%
351	MORGAN STANLEY	MS-PQ	410	$51,562	0.04%
352	Vanguard Short-Term Bond ETF	921937827	667	$51,539	0.04%
353	JPMORGAN BETABUILDERS JAPAN ETF	46641Q217	936	$51,401	0.04%
354	INVESCO NATIONAL AMT FREE MUNI BOND	IVZ	2,156	$50,968	0.04%
355	FEDERAL RLTY INVT TR NEW	313745101	459	$50,912	0.04%
356	STRYKER CORP	SYK	140	$50,717	0.04%
357	Procter & Gamble Co	742718109	300	$50,295	0.04%
358	SUMITOMO MITSUI FINL	86562M209	3,453	$50,241	0.04%
359	ISHARES JPMORGAN USD EMERG MARKETS BOND	464288281	549	$49,009	0.04%
360	ISHS MSCI CANADA ETF	464286509	1,219	$48,866	0.04%
361	CHEVRON CORP	CVX	341	$48,787	0.04%
362	SPDR BARCLAYS SHORT TERM HIGH YIELD BOND	78468R408	1,929	$48,710	0.04%
363	Vanguard FTSE Emerging Markets ETF	922042858	1,097	$48,312	0.04%
364	JPMorgan Chase & Co	VYLD	200	$47,942	0.03%
365	SPDR NUVEEN BARCLAYS ST MUNI BOND	78468R739	1,006	$47,694	0.03%
366	ISHS INVSTMNT BD ETF	464287242	441	$47,361	0.03%
367	SPDR NUVEEN BLOOMBERG MUNI BOND	78468R721	1,037	$47,339	0.03%
368	META PLATFORMS INC A	META	80	$47,298	0.03%
369	BEST BUY CO., INC.	BBY	550	$47,222	0.03%
370	CISCO SYSTEMS INC	CSCO	797	$47,175	0.03%
371	CRH PLC	CRH	510	$47,156	0.03%
372	SPDR PORT INTER TRM TRSRY ETF	78464A672	1,688	$47,112	0.03%
373	MCKESSON CORP	MCK	82	$46,805	0.03%
374	Equity Residential	EQR	650	$46,644	0.03%
375	ISHS RUSS 2000 INDX ETF	464287655	211	$46,564	0.03%
376	Vanguard FTSE Developed Markets ETF	921943858	958	$45,812	0.03%
377	GENERAL ELECTRIC COMPANY	369604301	272	$45,726	0.03%
378	ALPHABET INC C	GOOG	237	$45,668	0.03%
379	Vanguard FTSE Developed Markets ETF	921943858	954	$45,620	0.03%
380	WILLIAMS CO., INC.	969457100	842	$45,602	0.03%
381	SPDR DOW JONES REIT ETF	78464A607	459	$44,931	0.03%
382	SPDR NUVEEN BARCLAYS ST MUNI BOND	78468R739	944	$44,755	0.03%
383	S&P GLOBAL INC	SPGI	89	$44,323	0.03%
384	SPDR DJ INTL RL EST ETF	78463X863	1,923	$44,259	0.03%
385	JOHNSON & JOHNSON	JNJ	306	$43,863	0.03%
386	ONEMAIN HOLDINGS, INC.	OMF	835	$43,619	0.03%
387	Vanguard Extended Market ETF	922908652	229	$43,505	0.03%
388	ISHARES 10 YR INV BOND	464289511	873	$43,258	0.03%
389	SPDR PORTFOLIO CORPORATE BOND ETF	78464A144	1,465	$42,028	0.03%
390	CSX CORP	CSX	1,305	$41,956	0.03%
391	Norfolk Southern Corp	655844108	178	$41,777	0.03%
392	VANECK ETF TRUST HIGH YIELD MUNI	92189H409	798	$41,336	0.03%
393	CHEVRON CORP	CVX	287	$41,062	0.03%
394	ACCENTURE PLC IRELD CL A	ACN	115	$40,537	0.03%
395	Navigator Tactical Fixed Income I	NVGS	4,085	$40,282	0.03%
396	Vanguard Total International Stock ETF	921909768	683	$40,249	0.03%
397	LAZARD INC	LAZ	760	$39,268	0.03%
398	SPDR S&P 500 ETF Trust	SPY	67	$39,267	0.03%
399	DANAHER CORP	235851102	170	$39,041	0.03%
400	Vanguard FTSE Emerging Markets ETF	922042858	886	$39,019	0.03%
401	ISHARES RUSSELL MID CAP GROWTH ETF	464287481	304	$38,766	0.03%
402	PHILIP MORRIS INTERNATIONAL INC	718172109	323	$38,761	0.03%
403	SPDR S&P 500 ETF Trust	SPY	66	$38,681	0.03%
404	BRISTOL MYERS SQUIBB CO	CELG-RI	687	$38,512	0.03%
405	COCA COLA COMPANY	KO	615	$38,148	0.03%
406	WILLIS TOWERS WATSON PUB	WTW	121	$37,901	0.03%
407	SPDR INTERMED TERM ETF	78464A375	1,152	$37,773	0.03%
408	OMNICOM GROUP INC	OMC	439	$37,675	0.03%
409	NVIDIA Corp	NVDA	280	$37,601	0.03%
410	ROYAL BANK CDA MONTREAL	780087102	306	$36,886	0.03%
411	NICE LTD SPON ADR	NCSYF	216	$36,833	0.03%
412	MARATHON PETROLEUM CORP	MARA	270	$36,612	0.03%
413	AT&T INC	T-PC	1,615	$36,515	0.03%
414	BXP INC	BXP	486	$36,047	0.03%
415	DICKS SPORTING GOODS INC	253393102	154	$35,685	0.03%
416	VNGRD FTSE SMALL CAP ETF	922042718	309	$35,326	0.03%
417	Franklin MA Tax-Free Income A1	354723207	3,347	$35,247	0.03%
418	WASTE MANAGEMENT, INC.	94106L109	174	$35,194	0.03%
419	Bank of America Corporation	060505104	800	$35,160	0.03%
420	ELI LILLY & CO	LLY	45	$34,826	0.03%
421	Vanguard Extended Market ETF	922908652	183	$34,766	0.03%
422	DUKE ENERGY CORP	DUKB	322	$34,684	0.03%
423	WALT DISNEY CO	254687106	311	$34,458	0.03%
424	Vanguard Small-Cap ETF	922908751	142	$34,120	0.02%
425	iShares Russell 1000 Value ETF	464287598	184	$34,064	0.02%
426	FIRST HORIZON CORP	FHN-PH	1,690	$34,055	0.02%
427	Vanguard FTSE Developed Markets ETF	921943858	708	$33,857	0.02%
428	INV OPTIMUM YLD K1 ETF	IVZ	2,613	$33,786	0.02%
429	SPDR MTG BKD BD ETF	78464A383	1,557	$33,590	0.02%
430	VALERO ENERGY CORP	VLO	280	$33,488	0.02%
431	Vanguard Total International Bond ETF	92203J407	681	$33,403	0.02%
432	SNOWFLAKE INC A	SNOW	214	$33,164	0.02%
433	BIOGEN INC	BIIB	220	$33,042	0.02%
434	JANUS HENDERSON GROUP PLC	JHG	769	$32,805	0.02%
435	MCDONALDS CORP	MCD	113	$32,725	0.02%
436	ISHS NATL MUNI BD ETF	464288414	307	$32,719	0.02%
437	BIOGEN INC	BIIB	217	$32,591	0.02%
438	GENERAL MOTORS CO	37045V100	607	$32,571	0.02%
439	Parnassus Core Equity Institutional	701769408	544	$32,481	0.02%
440	Fifth Third Bancorp	FITBM	768	$32,471	0.02%
441	Goldman Sachs JUST US Large Cap Eq ETF	NVGLF	389	$32,339	0.02%
442	ISHS NATL MUNI BD ETF	464288414	302	$32,187	0.02%
443	Vanguard Short-Term Bond ETF	921937827	416	$32,144	0.02%
444	AUTOMATIC DATA PROCESSING INC	ADP	109	$31,936	0.02%
445	ARTHUR J GALLAGHER	363576109	112	$31,858	0.02%
446	Vanguard FTSE Developed Markets ETF	921943858	666	$31,848	0.02%
447	iShares Russell 1000 Growth ETF	464287614	79	$31,725	0.02%
448	GENERAL DYNAMICS CORP	GD	118	$31,077	0.02%
449	Vanguard FTSE Emerging Markets ETF	922042858	700	$30,828	0.02%
450	CELESTICA INC	CLS	327	$30,680	0.02%
451	NOVARTIS AG SPON ADR	NVSEF	314	$30,562	0.02%
452	ISHS S&P SMCP600 GRW ETF	464287887	224	$30,370	0.02%
453	Vanguard FTSE Developed Markets ETF	921943858	630	$30,127	0.02%
454	Vanguard Total International Bond ETF	92203J407	611	$29,970	0.02%
455	LULULEMON ATHLETICA INC	LULU	78	$29,955	0.02%
456	SPDR Nuveen Blmbg ST MunBd ETF	78468R739	631	$29,903	0.02%
457	AON PLC	AON	83	$29,713	0.02%
458	SPDR SSGA Fixed Inc Sect Rotation ETF	78470P507	1,171	$29,697	0.02%
459	SPDR SSGA US Sector Rotation ETF	78470P408	554	$29,606	0.02%
460	Vanguard FTSE Emerging Markets ETF	922042858	667	$29,375	0.02%
461	SPDR SSGA US Sector Rotation ETF	78470P408	549	$29,339	0.02%
462	BANCO BILBAO VIZCAYA ADR	BBVXF	2,986	$29,143	0.02%
463	CINTAS CORP	CTAS	156	$28,653	0.02%
464	SPDR Portfolio Interm Term Corp Bd ETF	78464A375	868	$28,436	0.02%
465	Vanguard Short-Term Bond ETF	921937827	363	$28,049	0.02%
466	EMCOR GROUP INC	EME	60	$27,435	0.02%
467	VERIZON COMMUNICATIONS, INC.	VZ	691	$27,364	0.02%
468	Vanguard Total Stock Market ETF	922908769	94	$27,242	0.02%
469	JD.COM, INC.	JDCMF	794	$27,202	0.02%
470	MERCK & COMPANY INC	MRK	276	$27,152	0.02%
471	PNC FINANCIAL SERVICES GROUP INC	693475105	140	$26,954	0.02%
472	iShares USD Green Bond ETF	46435U440	575	$26,807	0.02%
473	Vanguard Extended Market ETF	922908652	141	$26,787	0.02%
474	Goldman Sachs JUST US Large Cap Eq ETF	NVGLF	318	$26,437	0.02%
475	TEXAS INSTRUMENTS INC	882508104	139	$26,128	0.02%
476	UNITED THERAPEUTICS CORP	UTHR	73	$26,107	0.02%
477	FABRINET	FN	121	$25,987	0.02%
478	SPDR S&P 500 ETF Trust	SPY	44	$25,788	0.02%
479	OSI SYSTEMS INC	OSIS	154	$25,758	0.02%
480	COMCAST CORP A NEW	CCZ	686	$25,650	0.02%
481	ISHS MSCI SWITZERLND ETF	464286749	555	$25,640	0.02%
482	Parnassus Core Equity Institutional	701769408	428	$25,577	0.02%
483	Vanguard Mortgage-Backed Secs ETF	92206C771	564	$25,572	0.02%
484	INTERCONTINENTAL HOTEL ADR REP 1	45857P806	202	$25,452	0.02%
485	FISERV INC	FISV	123	$25,371	0.02%
486	W.P. Carey Inc	92936U109	463	$25,224	0.02%
487	SPDR INTERMED TERM ETF	78464A375	766	$25,117	0.02%
488	INV OPTIMUM YLD K1 ETF	IVZ	1,922	$24,852	0.02%
489	ENSIGN GROUP INC	ENSG	187	$24,829	0.02%
490	Vanguard Interm-Term Bond ETF	921937819	331	$24,736	0.02%
491	EXXON MOBIL CORP	XOM	233	$24,642	0.02%
492	FMC CORP NEW	FMC	505	$24,472	0.02%
493	Vanguard Long-Term Bond ETF	921937793	357	$24,430	0.02%
494	ARCH CAPITAL GROUP LTD	G0450A105	265	$24,349	0.02%
495	ISHS S&P SMCP600 VAL ETF	464287879	224	$24,234	0.02%
496	Vanguard Growth ETF	922908736	59	$24,216	0.02%
497	KIMBERLY CLARK CORP	KMB	185	$24,161	0.02%
498	iShares Russell 1000 Value ETF	464287598	130	$24,067	0.02%
499	SPDR SSGA Fixed Inc Sect Rotation ETF	78470P507	944	$23,940	0.02%
500	NATL GRID ADR NEW 2017	NMPWP	403	$23,861	0.02%