13F HOLDINGS REPORT

RICHARDSON FINANCIAL SERVICES INC.

Quarter ended Q1 2025 · Filed May 6, 2025 · Accession 0002012303-25-000002

Total Value

$131.4M

Positions

1,227

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (500)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	APPLE INC	AAPL	20,289	$4.5M	3.55%
2	VANGUARD VALUE ETF	922908744	16,103	$2.8M	2.19%
3	SPDR S&P 500 ETF	78464A854	37,100	$2.4M	1.92%
4	NVIDIA CORP	NVDA	21,917	$2.4M	1.87%
5	SPDR S&P 500 ETF	78464A854	35,333	$2.3M	1.83%
6	MICROSOFT CORPORATION	MSFT	5,695	$2.1M	1.69%
7	VANGUARD GROWTH ETF	922908736	5,664	$2.1M	1.66%
8	SPDR DEV WORLD EX-US ETF	78463X889	55,986	$2.0M	1.61%
9	SPDR DEV WORLD EX-US ETF	78463X889	54,561	$2.0M	1.57%
10	VANGUARD VALUE ETF	922908744	10,579	$1.8M	1.44%
11	ISHS IBOX $ H/Y CORP ETF	464288513	20,570	$1.6M	1.28%
12	SPDR EMERG MKTS ETF	78463X509	39,190	$1.5M	1.22%
13	AMAZON.COM INC	AMZN	7,850	$1.5M	1.18%
14	SPDR EMERG MKTS ETF	78463X509	37,868	$1.5M	1.18%
15	VISA INC CL A	V	4,152	$1.5M	1.15%
16	ISHARES 0-5 YEAR HIGH YIELD CORP ETF	46434V407	34,072	$1.4M	1.14%
17	VANGUARD GROWTH ETF	922908736	3,832	$1.4M	1.12%
18	ALPHABET INC A	GOOG	9,045	$1.4M	1.10%
19	APPLE INC	AAPL	6,014	$1.3M	1.05%
20	MASTERCARD INC A	MA	2,364	$1.3M	1.02%
21	T-MOBILE US, INC.	TMUSZ	4,854	$1.3M	1.02%
22	UNITEDHEALTH GROUP INC	UNH	2,264	$1.2M	0.94%
23	ISHS CORE MSCI E/MKT ETF	46434G103	20,858	$1.1M	0.89%
24	ISHARES CORE MSCI EUROPE ETF	46434V738	18,632	$1.1M	0.88%
25	JPMORGAN CHASE & CO	VYLD	4,296	$1.1M	0.83%
26	HOME DEPOT INC	HD	2,855	$1.0M	0.83%
27	CINTAS CORP	CTAS	4,786	$983,667	0.78%
28	COSTCO WHOLESALE CORP	22160K105	1,006	$951,462	0.75%
29	MCDONALDS CORP	MCD	3,045	$951,166	0.75%
30	VANGUARD SMALL CAP GROWTH ETF	922908595	3,586	$902,848	0.71%
31	ISHARES CORE TOTAL USD BD MKT ETF	46434V613	19,068	$878,653	0.69%
32	VANGUARD S&P 500	922908363	1,632	$838,700	0.66%
33	ISHS CORE MSCI E/MKT ETF	46434G103	15,295	$825,415	0.65%
34	ISHARES CORE MSCI PACIFIC ETF	46434V696	12,782	$795,551	0.63%
35	ISHARES CORE MSCI EUROPE ETF	46434V738	13,157	$791,336	0.62%
36	Vanguard S&P 500 ETF	922908363	1,509	$775,490	0.61%
37	SPDR S&P 500 ETF	SPY	1,333	$745,666	0.59%
38	TRANE TECHNOLOGIES PLC	TT	2,163	$728,759	0.57%
39	THERMO FISHER SCIENTIFIC	TMO	1,438	$715,549	0.56%
40	ADOBE INC	ADBE	1,793	$687,671	0.54%
41	AMER WATER WORKS COMPANY	030420103	4,470	$659,411	0.52%
42	WALMART INC	WMT	7,379	$647,803	0.51%
43	SYNOPSYS INC	SNPS	1,496	$641,562	0.51%
44	TESLA INC	TSLA	2,474	$641,161	0.51%
45	VANGUARD SMALL CAP GROWTH ETF	922908595	2,527	$636,523	0.50%
46	AMGEN INC	AMGN	2,019	$629,023	0.50%
47	VANGUARD SMALL CAP VALUE ETF	922908611	3,363	$626,496	0.49%
48	EOG RESOURCES INC	EOG	4,878	$625,554	0.49%
49	VANGUARD SMALL CAP ETF	922908751	2,765	$613,140	0.48%
50	TJX COS INC NEW	872540109	5,010	$610,218	0.48%
51	WALT DISNEY CO	254687106	6,108	$602,870	0.48%
52	NEXTERA ENERGY INC	NEE-PW	8,480	$601,153	0.47%
53	JPMORGAN BETABUILDERS US EQY ETF	46641Q399	5,805	$585,668	0.46%
54	SPDR BLACKSTONE GSO SENIOR LOAN	78467V608	13,832	$568,911	0.45%
55	ISHARES TREASURY FLOATNG RATE BD ETF	46434V860	11,131	$563,897	0.44%
56	SPDR S&P 500 ETF	78464A854	8,566	$563,300	0.44%
57	QUANTA SERVICES INC	74762E102	2,185	$555,386	0.44%
58	VNGRD MEGA CAP GRWTH ETF	921910816	1,798	$555,366	0.44%
59	META PLATFORMS INC A	META	959	$552,727	0.44%
60	ISHARES JPMORGAN USD EMERG MARKETS BOND	464288281	5,972	$541,004	0.43%
61	ISHARES CORE S&P MID CAP ETF	464287507	9,063	$528,828	0.42%
62	ASML HOLDING NV	ASMLF	796	$527,451	0.42%
63	PARKER HANNIFIN CORP	PH	866	$526,402	0.42%
64	LINDE PLC NEW	LIN	1,127	$524,776	0.41%
65	EXXON MOBIL CORP	XOM	4,359	$518,414	0.41%
66	CME GROUP INC CL A	CME	1,946	$516,256	0.41%
67	ISHS IBOX $ H/Y CORP ETF	464288513	6,423	$506,709	0.40%
68	SPDR S&P 400 MDCP ETF	78464A847	9,830	$503,104	0.40%
69	NORTHROP GRUMMAN CORP	NOC	981	$502,272	0.40%
70	AMERICAN TOWER CORPORATION	03027X100	2,300	$500,480	0.39%
71	CAPITAL ONE FINL CORP	14040H105	2,767	$496,131	0.39%
72	ISHARES CORE MSCI PACIFIC ETF	46434V696	7,909	$492,289	0.39%
73	VERTEX PHARMS INC	VRTX	1,010	$489,670	0.39%
74	ENERGY SEL SECT SPDR ETF	81369Y506	5,131	$479,493	0.38%
75	ENERGY SEL SECT SPDR ETF	81369Y506	5,124	$478,844	0.38%
76	ISHARES TREASURY FLOATNG RATE BD ETF	46434V860	9,398	$476,104	0.38%
77	SALESFORCE INC	CRM	1,773	$475,800	0.38%
78	BERKSHIRE HATHAWAY, INC. CL B	BRK-A	888	$472,934	0.37%
79	SPDR BLOOMBERG ENCD RL YLD CM ETF	78468R440	16,952	$469,742	0.37%
80	VANGUARD SMALL CAP VALUE ETF	922908611	2,483	$462,448	0.36%
81	PEPSICO INC	PEP	3,062	$459,120	0.36%
82	SPDR S&P 400 MDCP ETF	78464A847	8,934	$457,248	0.36%
83	JPMORGAN GLOBAL SELECT EQUITY ETF	46654Q740	7,728	$455,488	0.36%
84	COMMUNICATION SVCS SELECT SECTOR SPDR	81369Y852	4,655	$448,974	0.35%
85	TECH SEL SECT SPDR ETF	81369Y803	2,174	$448,888	0.35%
86	TECH SEL SECT SPDR ETF	81369Y803	2,162	$446,411	0.35%
87	ZOETIS, INC.	ZTS	2,709	$446,040	0.35%
88	COMMUNICATION SVCS SELECT SECTOR SPDR	81369Y852	4,623	$445,891	0.35%
89	S&P GLOBAL INC	SPGI	878	$445,610	0.35%
90	PALO ALTO NETWORKS INC	PANW	2,610	$445,196	0.35%
91	VNGRD MEGA CAP VAL ETF	921910840	3,455	$445,143	0.35%
92	PIMCO 0-5Y H/Y CORP ETF	72201R783	4,703	$440,483	0.35%
93	NXP SEMICONDUCTORS NV	NXPI	2,266	$430,678	0.34%
94	SPDR BLOOMBERG ENCD RL YLD CM ETF	78468R440	15,082	$417,922	0.33%
95	Vanguard Total Bond Market ETF	921937835	5,588	$410,439	0.32%
96	ISHS CORE MSCI EAFE ETF	46432F842	5,305	$401,331	0.32%
97	SPDR S&P 600 SMALL CAP	78468R853	9,703	$395,501	0.31%
98	BROADCOM INC	AVGO	2,360	$395,140	0.31%
99	VNGRD MDCP GRW ETF	922908538	1,615	$395,094	0.31%
100	ROPER TECHNOLOGIES INC	ROP	655	$386,178	0.30%
101	VNGRD REAL EST INDX ETF	922908553	4,228	$382,804	0.30%
102	SPDR AGGREGATE BOND ETF	78464A649	14,853	$379,344	0.30%
103	SPDR SSgA Ultra Short Term Bond ETF	78467V707	9,049	$367,842	0.29%
104	SPDR S&P INTL SMCP ETF	78463X871	11,195	$357,794	0.28%
105	SPDR S&P 600 SMALL CAP	78468R853	8,641	$352,207	0.28%
106	SPDR AGGREGATE BOND ETF	78464A649	13,442	$343,310	0.27%
107	SPDR S&P INTL SMCP ETF	78463X871	10,587	$338,361	0.27%
108	WILLIAMS CO., INC.	969457100	5,540	$331,070	0.26%
109	Vanguard Total Stock Market ETF	922908769	1,178	$323,762	0.26%
110	ANHEUSER BUSCH INBEV	BUDFF	5,229	$321,899	0.25%
111	ENTERGY CORP NEW	ENO	3,713	$317,383	0.25%
112	SPDR EUROPE ETF	78463X103	7,058	$310,599	0.24%
113	SPDR GOLD TRUST GOLD ETF	GLD	1,045	$301,108	0.24%
114	SPDR EUROPE ETF	78463X103	6,803	$299,405	0.24%
115	INTL PAPER COMPANY	460146103	5,542	$295,670	0.23%
116	SPDR DOUBL T/RET TAC ETF	78467V848	7,301	$294,157	0.23%
117	SPDR LONG TERM TREAS ETF	78464A664	10,779	$293,832	0.23%
118	NETFLIX INC	NFLX	315	$293,746	0.23%
119	PIMCO 0-5Y H/Y CORP ETF	72201R783	3,127	$292,762	0.23%
120	SPDR NUVEEN BLOOMBERG MUNI BOND	78468R721	6,394	$288,177	0.23%
121	JPM BETABLDR CDA ETF	46641Q225	4,014	$287,240	0.23%
122	AT&T INC	T-PC	9,991	$282,544	0.22%
123	ALTRIA GROUP INC	MO	4,700	$282,097	0.22%
124	VNGRD MDCP VAL ETF	922908512	1,718	$275,807	0.22%
125	SPDR LONG TERM TREAS ETF	78464A664	9,820	$267,682	0.21%
126	PHILIP MORRIS INTERNATIONAL INC	718172109	1,682	$266,984	0.21%
127	ISHS USA MIN VOL FCT ETF	46429B697	2,799	$262,156	0.21%
128	CHEVRON CORP	CVX	1,567	$262,144	0.21%
129	SPDR GOLD TRUST GOLD ETF	GLD	909	$261,913	0.21%
130	DUKE ENERGY CORP	DUKB	2,143	$261,381	0.21%
131	AMER ELEC PWR CO INC	025537101	2,378	$259,845	0.20%
132	ABBVIE INC	ABBV	1,229	$257,498	0.20%
133	ELI LILLY & CO	LLY	311	$256,861	0.20%
134	Vanguard S&P 500 ETF	922908363	499	$256,441	0.20%
135	VNGRD ALL WRLD SMCP ETF	922042718	2,213	$255,823	0.20%
136	VNGRD REAL EST INDX ETF	922908553	2,780	$251,605	0.20%
137	CINCINNATI FINL CORP	172062101	1,685	$248,906	0.20%
138	SPDR LONG TERM CORP ETF	78464A367	10,917	$246,398	0.19%
139	SPDR DOUBL T/RET TAC ETF	78467V848	6,047	$243,633	0.19%
140	Vanguard Total International Stock ETF	921909768	3,901	$242,252	0.19%
141	ISHARES RUSSELL MID CAP VALUE ETF	464287473	1,923	$242,241	0.19%
142	HCA HEALTHCARE INC	HCA	700	$241,889	0.19%
143	JPM BETABLDR CDA ETF	46641Q225	3,159	$226,055	0.18%
144	SPDR BLM BARCLAYS HIGH YLD BOND	78468R622	2,367	$225,577	0.18%
145	PROCTER & GAMBLE CO	742718109	1,323	$225,297	0.18%
146	SPDR S&P 500 ETF Trust	SPY	400	$223,756	0.18%
147	SPDR BLOOMBERG TBILL ETF	78468R663	2,412	$221,250	0.17%
148	VANECK HI YLD MUN ETF	92189H409	4,292	$219,664	0.17%
149	ISHARES CORE S&P 500 ETF	464287200	389	$218,581	0.17%
150	FT SENIOR LOAN FD ETF	33738D309	4,754	$217,020	0.17%
151	FIFTH THIRD BANCORP	FITBM	5,500	$215,600	0.17%
152	COCA COLA COMPANY	KO	2,843	$203,616	0.16%
153	NISOURCE INC	NI	5,074	$203,418	0.16%
154	SPDR PORT INTER TRM TRSRY ETF	78464A672	7,112	$203,243	0.16%
155	VNGRD ALL WRLD SMCP ETF	922042718	1,755	$202,948	0.16%
156	SPDR GOLD MINISHARES	GLDW	3,235	$200,216	0.16%
157	SPDR DEV WORLD EX-US ETF	78463X889	5,498	$200,182	0.16%
158	DTE ENERGY CO	DTK	1,445	$199,800	0.16%
159	WEC ENERGY GRP, INC.	WEC	1,823	$198,669	0.16%
160	U S BANCORP DE NEW	USB-PS	4,661	$196,789	0.16%
161	INTL BUSINESS MACHS CORP	INTR	785	$195,198	0.15%
162	VERIZON COMMUNICATIONS, INC.	VZ	4,282	$194,232	0.15%
163	Vanguard S&P 500 ETF	922908363	372	$191,175	0.15%
164	BANK AMERICA CORP	060505104	4,565	$190,498	0.15%
165	CITIZENS FINANCIAL GROUP INC	CIA	4,588	$187,972	0.15%
166	ISHS USA MIN VOL FCT ETF	46429B697	1,946	$182,152	0.14%
167	FIDELITY NATL FINL INC	FNF	2,795	$181,899	0.14%
168	ISHS CORE MSCI E/MKT ETF	46434G103	3,367	$181,718	0.14%
169	Value Line Select Growth Fund	VALU	5,186	$181,319	0.14%
170	VANGUARD TOTAL INT'L BOND ETF	92203J407	3,702	$180,735	0.14%
171	SPDR BLOOMBG EMG MRK USD BND ETF	78468R515	7,420	$179,277	0.14%
172	PUBLIC SERVICE ENTER GROUP, INC.	744573106	2,160	$177,769	0.14%
173	METLIFE INC	MET-PF	2,214	$177,762	0.14%
174	JPM BETABLDR INTL EQ ETF	46641Q373	2,885	$177,414	0.14%
175	SPDR LONG TERM CORP ETF	78464A367	7,820	$176,501	0.14%
176	INTUITIVE SURGICAL NEW	ISRG	347	$171,860	0.14%
177	Vanguard Total International Bond ETF	92203J407	3,520	$171,846	0.14%
178	KLA CORP	KLAC	252	$171,310	0.14%
179	FIRSTENERGY CORP	FE	4,235	$171,177	0.13%
180	VANGUARD SMALL CAP VALUE ETF	922908611	909	$169,337	0.13%
181	SPDR BLACKSTONE GSO SENIOR LOAN	78467V608	3,999	$164,481	0.13%
182	VANGUARD SMALL CAP GROWTH ETF	922908595	644	$162,140	0.13%
183	SPDR BLOOMBG EMG MRK USD BND ETF	78468R515	6,684	$161,492	0.13%
184	DOMINION ENERGY INC	D	2,825	$158,399	0.12%
185	Vanguard FTSE Developed Markets ETF	921943858	3,115	$158,335	0.12%
186	LOCKHEED MARTIN CORP	LMT	353	$157,692	0.12%
187	SPDR BLOOMBERG TBILL ETF	78468R663	1,708	$156,672	0.12%
188	SEMPRA	SREA	2,185	$155,922	0.12%
189	VNGRD MDCP VAL ETF	922908512	957	$153,636	0.12%
190	CITIGROUP INC NEW	C-PR	2,140	$151,922	0.12%
191	Vanguard Total Stock Market ETF	922908769	549	$150,887	0.12%
192	VNGRD US R/EST IDX ETF	922042676	3,632	$146,948	0.12%
193	ISHARES TR MSCI EAFE MIN VL	46429B689	1,867	$145,479	0.11%
194	Vanguard S&P 500 ETF	922908363	281	$144,409	0.11%
195	ISHS BRD USD H/Y CRP ETF	46435U853	3,891	$143,227	0.11%
196	SPDR BLACKSTONE GSO SENIOR LOAN	78467V608	3,479	$143,089	0.11%
197	UNUM GROUP	UNMA	1,720	$140,114	0.11%
198	SPDR PORT INTER TRM TRSRY ETF	78464A672	4,871	$139,212	0.11%
199	Vanguard S&P 500 ETF	922908363	265	$136,186	0.11%
200	VNGRD MDCP GRW ETF	922908538	556	$136,019	0.11%
201	AIRBNB INC CL A	ABNB	1,130	$134,993	0.11%
202	ISHARES US TREASURY BOND	46429B267	5,667	$130,255	0.10%
203	EVERSOURCE ENERGY	ES	2,072	$128,693	0.10%
204	GENERAL MILLS INC	370334104	2,135	$127,652	0.10%
205	Vanguard Total Bond Market ETF	921937835	1,732	$127,215	0.10%
206	iShares Core S&P 500 ETF	464287200	226	$126,989	0.10%
207	NOVO NORDISK AS ADR	NONOF	1,820	$126,380	0.10%
208	VNGRD EXTND MARKET ETF	922908652	721	$124,201	0.10%
209	QORVO INC	QRVO	1,715	$124,183	0.10%
210	CSX CORP	CSX	4,110	$120,956	0.10%
211	Navigator Tactical Fixed Income I	NVGS	12,242	$120,586	0.10%
212	SPDR GOLD MINISHARES	GLDW	1,936	$119,780	0.09%
213	REGIONS FINL CORP NEW	RF-PF	5,510	$119,733	0.09%
214	VANGUARD VALUE ETF	922908744	659	$113,749	0.09%
215	Vanguard Total International Stock ETF	921909768	1,815	$112,712	0.09%
216	INTERPUBLIC GROUP	INTR	4,136	$112,334	0.09%
217	MARSH & MCLENNAN COS INC	571748102	457	$111,523	0.09%
218	Vanguard FTSE Developed Markets ETF	921943858	2,187	$111,165	0.09%
219	SPDR INTERMED TERM ETF	78464A375	3,330	$110,688	0.09%
220	VNGRD US R/EST IDX ETF	922042676	2,716	$109,854	0.09%
221	CHUBB LTD	CB	362	$109,322	0.09%
222	XPO INC	XPO	1,000	$107,580	0.08%
223	ISHS 10-20 TRSRY ETF	464288653	1,036	$107,489	0.08%
224	AUTOMATIC DATA PROCESSING INC	ADP	347	$106,019	0.08%
225	ISHS IBOX $ H/Y CORP ETF	464288513	1,337	$105,476	0.08%
226	PFIZER INC	PFE	4,157	$105,337	0.08%
227	LYONDELLBASELL INDUSTRIES NV	LYB	1,485	$104,544	0.08%
228	JPMORGAN CHASE & CO	VYLD	422	$103,518	0.08%
229	SPDR BLM BARCLAYS HIGH YLD BOND	78468R622	1,083	$103,218	0.08%
230	ISHS USD INVT GRD BD ETF	464288620	1,935	$98,840	0.08%
231	PRINCIPAL FINANCIAL GROUP INC	PFG	1,140	$96,183	0.08%
232	SPDR BLOOMBERG 1 10 YR TIPS ETF	78468R861	5,008	$96,104	0.08%
233	ISHS MBS ETF	464288588	1,020	$95,656	0.08%
234	THE BANK OF NEW YORK MELLON CORP	064058100	1,135	$95,194	0.08%
235	AMAZON.COM INC	AMZN	500	$95,130	0.08%
236	WATSCO INC A	WSO-B	185	$94,038	0.07%
237	JPMORGAN BETA YIELD CORP BND ETF	46641Q878	2,039	$93,900	0.07%
238	SPDR EMERG MKTS ETF	78463X509	2,323	$91,457	0.07%
239	SONOCO PRODUCTS CO	835495102	1,930	$91,174	0.07%
240	VANGUARD MORTGAGE BACKED SEC IDX ETF	92206C771	1,968	$91,139	0.07%
241	ADVANCED MICRO DEVICES	AMD	872	$89,590	0.07%
242	SPDR LONG TERM TREAS ETF	78464A664	3,273	$89,222	0.07%
243	INVSC S P 500 MOMENTUM ETF	IVZ	963	$89,108	0.07%
244	SPDR BLOOMBERG 1 10 YR TIPS ETF	78468R861	4,596	$88,197	0.07%
245	SCHWAB US TIPS ETF	808524870	3,239	$87,098	0.07%
246	FORD MOTOR CO	345370860	8,600	$86,259	0.07%
247	ISHARES JPMORGAN USD EMERG MARKETS BOND	464288281	952	$86,242	0.07%
248	Vanguard S&P 500 ETF	922908363	167	$85,823	0.07%
249	Vanguard FTSE Developed Markets ETF	921943858	1,687	$85,750	0.07%
250	EXXON MOBIL CORP	XOM	719	$85,511	0.07%
251	Vanguard S&P 500 ETF	922908363	164	$84,281	0.07%
252	ISHARES TR MSCI EAFE MIN VL	46429B689	1,076	$83,812	0.07%
253	ISHARES TR MSCI USA MMENTM	46432F396	414	$83,681	0.07%
254	ISHARES MSCI EMERGING MARKETS AS ETF	464286426	1,117	$82,736	0.07%
255	XCEL ENERGY INC	XELLL	1,160	$82,120	0.06%
256	ISHS BRD USD H/Y CRP ETF	46435U853	2,217	$81,586	0.06%
257	ISHS 10 INV GR CORP ETF	464289511	1,620	$81,375	0.06%
258	VANGUARD TOTAL BOND MARKET ETF	921937835	1,106	$81,236	0.06%
259	Vanguard FTSE Developed Markets ETF	921943858	1,581	$80,362	0.06%
260	SCHLUMBERGER LTD	SLB	1,879	$78,542	0.06%
261	SPDR INTERMED TERM ETF	78464A375	2,361	$78,472	0.06%
262	Columbia Tax-Exempt A	19765L850	6,697	$78,091	0.06%
263	ANALOG DEVICES INC	ADI	381	$76,836	0.06%
264	SPDR BLOOMBERG BARCLAYS EM LOCAL BD	78464A391	3,783	$75,922	0.06%
265	INTL BUSINESS MACHS CORP	INTR	305	$75,841	0.06%
266	GENUINE PARTS CO	GPC	625	$74,463	0.06%
267	SCHWAB US TIPS ETF	808524870	2,767	$74,403	0.06%
268	SPDR BLOOMBERG BARCLAYS EM LOCAL BD	78464A391	3,700	$74,262	0.06%
269	PARKER HANNIFIN CORP	PH	122	$74,161	0.06%
270	H&R BLOCK INC	BSQKZ	1,345	$73,855	0.06%
271	VANECK HI YLD MUN ETF	92189H409	1,427	$73,033	0.06%
272	TRUIST FINANCIAL CORP	89832Q109	1,745	$71,813	0.06%
273	INV NATL AMT FRE MUN ETF	IVZ	3,054	$70,365	0.06%
274	VANGUARD SMALL CAP GROWTH ETF	922908595	278	$69,993	0.06%
275	NIKE INC B	NKE	1,099	$69,765	0.06%
276	LINDE PLC NEW	LIN	149	$69,381	0.05%
277	AFLAC INC	AFL	612	$68,049	0.05%
278	SOUTHERN COMPANY	SOMN	739	$67,951	0.05%
279	PHILIP MORRIS INTERNATIONAL INC	718172109	426	$67,620	0.05%
280	ISHS INVSTMNT BD ETF	464287242	616	$66,955	0.05%
281	ISHS SEL DIV ETF	464287168	494	$66,340	0.05%
282	UNITEDHEALTH GROUP INC	UNH	125	$65,471	0.05%
283	Vanguard Value ETF	922908744	378	$65,296	0.05%
284	ISHS MBS ETF	464288588	685	$64,240	0.05%
285	Vanguard S&P 500 ETF	922908363	125	$64,239	0.05%
286	VANGUARD MID CAP ETF	922908629	246	$63,618	0.05%
287	MERCK & COMPANY INC	MRK	708	$63,504	0.05%
288	WENDYS CO	95058W100	4,290	$62,766	0.05%
289	Vanguard FTSE Emerging Markets ETF	922042858	1,347	$60,965	0.05%
290	BANK AMERICA CORP	060505104	1,451	$60,549	0.05%
291	VANGUARD INTERM-TM CORP BD IDX	92206C870	740	$60,504	0.05%
292	COCA COLA COMPANY	KO	843	$60,377	0.05%
293	JPMORGAN BETABUILDERS JAPAN ETF	46641Q217	1,073	$60,233	0.05%
294	SPDR BLM BARCLAYS HIGH YLD BOND	78468R622	629	$59,945	0.05%
295	ABBVIE INC	ABBV	285	$59,713	0.05%
296	Nuveen Core Impact Bond R6	NU	6,632	$59,618	0.05%
297	ASSURANT INC	AIZN	284	$59,571	0.05%
298	VANGUARD MID CAP ETF	922908629	230	$59,483	0.05%
299	MORGAN STANLEY	MS-PQ	509	$59,383	0.05%
300	PROCTER & GAMBLE CO	742718109	348	$59,307	0.05%
301	PROLOGIS, INC.	PLDGP	530	$59,248	0.05%
302	VISA INC CL A	V	169	$59,228	0.05%
303	HP INC	HPQ	2,135	$59,121	0.05%
304	AMERN EXPRESS CO	AXP	219	$58,922	0.05%
305	Vanguard Total International Bond ETF	92203J407	1,206	$58,877	0.05%
306	ISHARES RUSSELL TOP 200 VALUE ETF	464289420	714	$58,677	0.05%
307	PAYCHEX INC	PAYX	380	$58,626	0.05%
308	APPLE INC	AAPL	263	$58,421	0.05%
309	JOHNSON & JOHNSON	JNJ	352	$58,377	0.05%
310	Vanguard Interm-Term Bond ETF	921937819	761	$58,270	0.05%
311	QORVO INC	QRVO	800	$57,928	0.05%
312	SEAGATE TECH HLDGS PLC	SE	680	$57,770	0.05%
313	BROOKFIELD ASSET MNGMT CL A	113004105	1,185	$57,418	0.05%
314	CHEVRON CORP	CVX	341	$57,046	0.04%
315	CHEVRON CORP	CVX	339	$56,713	0.04%
316	Vanguard Short-Term Bond ETF	921937827	720	$56,362	0.04%
317	Vanguard S&P 500 ETF	922908363	108	$55,502	0.04%
318	CISCO SYSTEMS INC	CSCO	898	$55,414	0.04%
319	VANGUARD GROWTH ETF	922908736	148	$54,695	0.04%
320	Vanguard Growth ETF	922908736	147	$54,511	0.04%
321	SUMITOMO MITSUI FINL	86562M209	3,502	$54,142	0.04%
322	MCKESSON CORP	MCK	80	$53,840	0.04%
323	GENERAL ELECTRIC COMPANY	369604301	268	$53,640	0.04%
324	FIFTH THIRD BANCORP	FITBM	1,366	$53,548	0.04%
325	Vanguard Total International Bond ETF	92203J407	1,096	$53,507	0.04%
326	Vanguard S&P 500 ETF	922908363	104	$53,447	0.04%
327	SPDR NUVEEN BARCLAYS ST MUNI BOND	78468R739	1,122	$53,407	0.04%
328	Vanguard FTSE Developed Markets ETF	921943858	1,044	$53,067	0.04%
329	ISHS MSCI CANADA ETF	464286509	1,299	$52,935	0.04%
330	TAIWAN SEMICON MFG CO	874039100	317	$52,622	0.04%
331	Vanguard FTSE Developed Markets ETF	921943858	1,031	$52,406	0.04%
332	STRYKER CORP	SYK	140	$52,116	0.04%
333	INV NATL AMT FRE MUN ETF	IVZ	2,252	$51,886	0.04%
334	Procter & Gamble Co	742718109	300	$51,126	0.04%
335	GOLDMAN SACHS GROUP INC	GSCE	93	$50,804	0.04%
336	FORTIVE CORP	FTV	683	$49,981	0.04%
337	SPDR NUVEEN BARCLAYS ST MUNI BOND	78468R739	1,037	$49,361	0.04%
338	JPMorgan Chase & Co	VYLD	200	$49,060	0.04%
339	ELI LILLY & CO	LLY	59	$48,730	0.04%
340	NVIDIA CORP	NVDA	445	$48,228	0.04%
341	MICROSOFT CORPORATION	MSFT	127	$47,676	0.04%
342	SPDR BARCLAYS SHORT TERM HIGH YIELD BOND	78468R408	1,890	$47,552	0.04%
343	ISHS INVSTMNT BD ETF	464287242	436	$47,521	0.04%
344	ISHARES JPMORGAN USD EMERG MARKETS BOND	464288281	518	$46,964	0.04%
345	WELLS FARGO & CO NEW	949746101	654	$46,949	0.04%
346	ELEMENT SOLUTIONS INC	ESI	2,062	$46,621	0.04%
347	ISHS NATL MUNI BD ETF	464288414	442	$46,605	0.04%
348	Equity Residential	EQR	650	$46,527	0.04%
349	SPDR NUVEEN BLOOMBERG MUNI BOND	78468R721	1,030	$46,422	0.04%
350	PULTEGROUP INC	745867101	451	$46,363	0.04%
351	DUKE ENERGY CORP	DUKB	380	$46,349	0.04%
352	CRH PLC	CRH	524	$46,099	0.04%
353	AT&T INC	T-PC	1,601	$45,276	0.04%
354	SPDR DJ INTL RL EST ETF	78463X863	1,837	$44,970	0.04%
355	ISHS MSCI CANADA ETF	464286509	1,093	$44,555	0.04%
356	WHIRLPOOL CORP	WHR-PA	485	$43,716	0.03%
357	ISHS NATL MUNI BD ETF	464288414	412	$43,442	0.03%
358	WILLIAMS CO., INC.	969457100	726	$43,386	0.03%
359	WALMART INC	WMT	493	$43,280	0.03%
360	VANGUARD SMALL CAP ETF	922908751	195	$43,254	0.03%
361	META PLATFORMS INC A	META	75	$43,226	0.03%
362	SPDR DOW JONES REIT ETF	78464A607	436	$43,217	0.03%
363	MCDONALDS CORP	MCD	137	$42,795	0.03%
364	BROADCOM INC	AVGO	254	$42,526	0.03%
365	Norfolk Southern Corp	655844108	178	$42,159	0.03%
366	ISHS RUSS 2000 INDX ETF	464287655	211	$42,092	0.03%
367	ONEMAIN HOLDINGS, INC.	OMF	855	$41,794	0.03%
368	BRISTOL MYERS SQUIBB CO	CELG-RI	683	$41,658	0.03%
369	SPDR INTERMED TERM ETF	78464A375	1,253	$41,651	0.03%
370	ISHS 10 INV GR CORP ETF	464289511	828	$41,528	0.03%
371	BEST BUY CO., INC.	BBY	560	$41,219	0.03%
372	BANCO BILBAO VIZCAYA ADR	BBVXF	3,013	$41,037	0.03%
373	BLACKROCK FDG INC	BLK	43	$40,695	0.03%
374	ALPHABET INC A	GOOG	263	$40,671	0.03%
375	Navigator Tactical Fixed Income I	NVGS	4,124	$40,624	0.03%
376	WASTE MANAGEMENT, INC.	94106L109	174	$40,285	0.03%
377	Vanguard FTSE Emerging Markets ETF	922042858	886	$40,100	0.03%
378	Vanguard FTSE Developed Markets ETF	921943858	783	$39,800	0.03%
379	CUMMINS INC	CMI	124	$38,865	0.03%
380	ARTHUR J GALLAGHER	363576109	112	$38,667	0.03%
381	CIGNA CORP	125523100	117	$38,493	0.03%
382	SPDR PORT INTER TRM TRSRY ETF	78464A672	1,334	$38,129	0.03%
383	NVENT ELECTRIC PLC	NVT	725	$38,006	0.03%
384	ALPHABET INC C	GOOG	237	$37,027	0.03%
385	VALERO ENERGY CORP	VLO	280	$36,979	0.03%
386	SPDR Nuveen Blmbg Muni Bd ETF	78468R739	776	$36,938	0.03%
387	VERIZON COMMUNICATIONS, INC.	VZ	808	$36,651	0.03%
388	Vanguard Extended Market ETF	922908652	209	$36,002	0.03%
389	ISHARES RUSSELL MID CAP GROWTH ETF	464287481	304	$35,716	0.03%
390	NOVARTIS AG SPON ADR	NVSEF	319	$35,563	0.03%
391	ROYAL BANK CDA MONTREAL	780087102	312	$35,169	0.03%
392	VANECK HI YLD MUN ETF	92189H409	683	$34,956	0.03%
393	Franklin MA Tax-Free Income A1	354723207	3,371	$34,928	0.03%
394	DANAHER CORP	235851102	170	$34,850	0.03%
395	GENPACT LTD	G	691	$34,812	0.03%
396	Vanguard Total International Bond ETF	92203J407	712	$34,760	0.03%
397	LAZARD INC	LAZ	800	$34,642	0.03%
398	ALIBABA GROUP HOLDING LTD	BBAAY	261	$34,513	0.03%
399	Vanguard FTSE Emerging Markets ETF	922042858	750	$33,945	0.03%
400	SPDR PORTFOLIO CORPORATE BOND ETF	78464A144	1,160	$33,675	0.03%
401	Bank of America Corporation	060505104	800	$33,384	0.03%
402	SPDR S&P 400 MDCP ETF	78464A847	652	$33,370	0.03%
403	AUTOMATIC DATA PROCESSING INC	ADP	109	$33,303	0.03%
404	VNGRD ALL WRLD SMCP ETF	922042718	286	$33,068	0.03%
405	Vanguard FTSE Developed Markets ETF	921943858	649	$32,989	0.03%
406	Vanguard FTSE Developed Markets ETF	921943858	649	$32,989	0.03%
407	GSK PLC NEW	GLAXF	841	$32,579	0.03%
408	Vanguard Short-Term Bond ETF	921937827	416	$32,564	0.03%
409	GENERAL DYNAMICS CORP	GD	119	$32,435	0.03%
410	Vanguard Total International Bond ETF	92203J407	664	$32,416	0.03%
411	NEXTERA ENERGY INC	NEE-PW	456	$32,325	0.03%
412	BXP INC	BXP	479	$32,184	0.03%
413	iShares Russell 1000 Value ETF	464287598	171	$32,175	0.03%
414	NETAPP INC	NTAP	365	$32,062	0.03%
415	S&P GLOBAL INC	SPGI	63	$32,009	0.03%
416	NATL GRID ADR NEW 2017	NMPWP	481	$31,558	0.02%
417	CINTAS CORP	CTAS	153	$31,446	0.02%
418	Vanguard FTSE Emerging Markets ETF	922042858	693	$31,365	0.02%
419	SNOWFLAKE INC A	SNOW	214	$31,278	0.02%
420	Vanguard Short-Term Bond ETF	921937827	398	$31,155	0.02%
421	ACCENTURE PLC IRELD CL A	ACN	98	$30,579	0.02%
422	WALT DISNEY CO	254687106	309	$30,501	0.02%
423	Parnassus Core Equity Institutional	701769408	523	$30,446	0.02%
424	Goldman Sachs JUST US Large Cap Eq ETF	NVGLF	382	$30,377	0.02%
425	NVIDIA Corp	NVDA	280	$30,346	0.02%
426	SPDR SSGA Fixed Inc Sect Rotation ETF	78470P507	1,171	$30,305	0.02%
427	Fifth Third Bancorp	FITBM	768	$30,106	0.02%
428	BIOGEN INC	BIIB	220	$30,105	0.02%
429	SPDR Portfolio Developed Wld ex-US ETF	78463X889	817	$29,747	0.02%
430	iShares National Muni Bond ETF	464288414	282	$29,734	0.02%
431	ENERGY SEL SECT SPDR ETF	81369Y506	318	$29,717	0.02%
432	BIOGEN INC	BIIB	217	$29,694	0.02%
433	BECTON DICKINSON & CO	BDX	129	$29,547	0.02%
434	OSI SYSTEMS INC	OSIS	152	$29,540	0.02%
435	W.P. Carey Inc	92936U109	463	$29,220	0.02%
436	JD.COM, INC.	JDCMF	705	$28,989	0.02%
437	SPDR S&P 600 SMALL CAP	78468R853	708	$28,858	0.02%
438	Vanguard Mortgage-Backed Secs ETF	92206C771	622	$28,805	0.02%
439	SIMON PPTY GRP INC NEW	828806109	171	$28,399	0.02%
440	SPDR Portfolio Interm Term Corp Bd ETF	78464A375	854	$28,387	0.02%
441	SPDR MTG BKD BD ETF	78464A383	1,280	$28,225	0.02%
442	JANUS HENDERSON GROUP PLC	JHG	780	$28,198	0.02%
443	SPDR SSGA US Sector Rotation ETF	78470P408	554	$28,127	0.02%
444	ACCENTURE PLC IRELD CL A	ACN	90	$28,084	0.02%
445	CHECK POINT SFTWARE TECH	M22465104	123	$28,033	0.02%
446	ISHS S&P SMCP600 GRW ETF	464287887	224	$27,888	0.02%
447	SPDR SSGA US Sector Rotation ETF	78470P408	549	$27,873	0.02%
448	Vanguard Interm-Term Bond ETF	921937819	363	$27,795	0.02%
449	EXXON MOBIL CORP	XOM	233	$27,711	0.02%
450	OMNICOM GROUP INC	OMC	334	$27,690	0.02%
451	COMMUNICATION SVCS SELECT SECTOR SPDR	81369Y852	287	$27,681	0.02%
452	iShares Core MSCI Emerging Markets ETF	46434G103	510	$27,525	0.02%
453	TECH SEL SECT SPDR ETF	81369Y803	133	$27,462	0.02%
454	SPDR NUVEEN BLOOMBERG MUNI BOND	78468R721	608	$27,402	0.02%
455	SPDR INTERMED TERM ETF	78464A375	820	$27,257	0.02%
456	iShares USD Green Bond ETF	46435U440	575	$27,232	0.02%
457	ISHS USA MIN VOL FCT ETF	46429B697	290	$27,160	0.02%
458	iShares Russell 1000 Growth ETF	464287614	75	$27,082	0.02%
459	Vanguard Extended Market ETF	922908652	156	$26,873	0.02%
460	Vanguard Long-Term Bond ETF	921937793	380	$26,760	0.02%
461	SPDR Portfolio Developed Wld ex-US ETF	78463X889	732	$26,652	0.02%
462	Berkshire Hathaway Inc B	BRK-A	50	$26,629	0.02%
463	KIMBERLY CLARK CORP	KMB	185	$26,308	0.02%
464	GOLD FIELDS LTD ADR NEW	GFIOF	1,187	$26,221	0.02%
465	COCA-COLA EUROPAC PRTNRS	CCEP	300	$26,109	0.02%
466	CELESTICA INC	CLS	330	$26,008	0.02%
467	DICKS SPORTING GOODS INC	253393102	126	$25,398	0.02%
468	PROLOGIS, INC.	PLDGP	227	$25,376	0.02%
469	Goldman Sachs JUST US Large Cap Eq ETF	NVGLF	318	$25,288	0.02%
470	CMS ENERGY CORP	CMS-PC	335	$25,162	0.02%
471	TEXAS INSTRUMENTS INC	882508104	140	$25,160	0.02%
472	Parnassus Core Equity Institutional	701769408	428	$24,964	0.02%
473	FABRINET	FN	126	$24,886	0.02%
474	COMCAST CORP A NEW	CCZ	672	$24,795	0.02%
475	SPDR DJ INTL RL EST ETF	78463X863	1,012	$24,771	0.02%
476	Cisco Systems Inc	CSCO	400	$24,684	0.02%
477	PNC FINANCIAL SERVICES GROUP INC	693475105	140	$24,608	0.02%
478	SPDR SSGA Fixed Inc Sect Rotation ETF	78470P507	944	$24,431	0.02%
479	ARCH CAPITAL GROUP LTD	G0450A105	253	$24,333	0.02%
480	UNILEVER PLC SPONS ADR	UNLYF	408	$24,296	0.02%
481	CCM Community Impact Bond Institutional	20368N202	2,558	$24,277	0.02%
482	SPDR Nuveen Blmbg Muni Bd ETF	78468R721	532	$23,977	0.02%
483	iShares Core MSCI Europe ETF	46434V738	397	$23,880	0.02%
484	SPDR Portfolio Emerging Markets ETF	78463X509	602	$23,701	0.02%
485	SPDR S&P INTL SMCP ETF	78463X871	739	$23,619	0.02%
486	SPDR DOW JONES REIT ETF	78464A607	238	$23,587	0.02%
487	ENSIGN GROUP INC	ENSG	182	$23,551	0.02%
488	iShares iBoxx $ Invmt Grade Corp Bd ETF	464287242	216	$23,477	0.02%
489	Vanguard Total Stock Market ETF	922908769	85	$23,361	0.02%
490	OCCIDENTAL PETRO CORP	674599105	470	$23,200	0.02%
491	SPDR LONG TERM TREAS ETF	78464A664	834	$22,735	0.02%
492	ISHS INVSTMNT BD ETF	464287242	208	$22,608	0.02%
493	Vanguard Total International Bond ETF	92203J407	461	$22,506	0.02%
494	MEDTRONIC PLC	MDT	250	$22,465	0.02%
495	SPDR SSGA Fixed Inc Sect Rotation ETF	78470P507	857	$22,179	0.02%
496	FISERV INC	FISV	100	$22,083	0.02%
497	ISHS INVSTMNT BD ETF	464287242	203	$22,064	0.02%
498	CONSTELLATN ENERGY CORP	CEG	109	$21,979	0.02%
499	ISHS S&P SMCP600 VAL ETF	464287879	224	$21,836	0.02%
500	GARMIN LTD	GRMN	100	$21,714	0.02%