13F HOLDINGS REPORT

RICHARDSON FINANCIAL SERVICES INC.

Quarter ended Q2 2025 · Filed July 25, 2025 · Accession 0002012303-25-000003

Total Value

$148.9M

Positions

1,242

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (500)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	APPLE INC	AAPL	20,962	$4.4M	3.03%
2	NVIDIA CORP	NVDA	23,281	$3.6M	2.49%
3	SPDR S&P 500 ETF	78464A854	46,653	$3.4M	2.36%
4	MICROSOFT CORPORATION	MSFT	5,974	$2.9M	2.05%
5	SPDR S&P 500 ETF	78464A854	38,012	$2.8M	1.92%
6	VANGUARD VALUE ETF	922908744	14,329	$2.6M	1.78%
7	VANGUARD GROWTH ETF	922908736	5,313	$2.3M	1.61%
8	VANGUARD VALUE ETF	922908744	11,133	$2.0M	1.38%
9	VANGUARD GROWTH ETF	922908736	4,275	$1.9M	1.29%
10	AMAZON.COM INC	AMZN	8,075	$1.8M	1.24%
11	Vanguard Growth ETF	922908736	4,031	$1.8M	1.23%
12	ALPHABET INC A	GOOG	9,910	$1.7M	1.21%
13	ISHS IBOX $ H/Y CORP ETF	464288513	21,435	$1.7M	1.20%
14	Vanguard FTSE Developed Markets ETF	921943858	28,055	$1.6M	1.11%
15	VISA INC CL A	V	4,129	$1.5M	1.02%
16	ISHARES 0-5 YEAR HIGH YIELD CORP ETF	46434V407	32,870	$1.4M	0.98%
17	SPDR EMERG MKTS ETF	78463X509	32,762	$1.4M	0.98%
18	ISHARES CORE MSCI EUROPE ETF	46434V738	21,113	$1.4M	0.97%
19	SPDR DEV WORLD EX-US ETF	78463X889	33,441	$1.4M	0.94%
20	MASTERCARD INC A	MA	2,384	$1.3M	0.94%
21	Vanguard Value ETF	922908744	7,325	$1.3M	0.90%
22	JPMORGAN CHASE & CO	VYLD	4,396	$1.3M	0.89%
23	T-MOBILE US, INC.	TMUSZ	4,899	$1.2M	0.82%
24	ISHARES CORE MSCI EUROPE ETF	46434V738	17,881	$1.2M	0.82%
25	ISHS CORE MSCI E/MKT ETF	46434G103	19,401	$1.2M	0.81%
26	SPDR DEV WORLD EX-US ETF	78463X889	27,317	$1.1M	0.77%
27	SPDR EMERG MKTS ETF	78463X509	25,370	$1.1M	0.76%
28	CINTAS CORP	CTAS	4,786	$1.1M	0.75%
29	HOME DEPOT INC	HD	2,875	$1.1M	0.75%
30	COSTCO WHOLESALE CORP	22160K105	1,021	$1.0M	0.70%
31	VANGUARD S&P 500	922908363	1,768	$1.0M	0.70%
32	APPLE INC	AAPL	4,715	$979,871	0.68%
33	TRANE TECHNOLOGIES PLC	TT	2,148	$932,598	0.65%
34	MCDONALDS CORP	MCD	3,080	$916,268	0.64%
35	ISHS CORE MSCI E/MKT ETF	46434G103	15,183	$912,281	0.64%
36	ISHARES CORE TOTAL USD BD MKT ETF	46434V613	19,286	$888,312	0.62%
37	VANGUARD SMALL CAP GROWTH ETF	922908595	3,169	$876,261	0.61%
38	Vanguard S&P 500 ETF	922908363	1,509	$857,157	0.60%
39	VNGRD MEGA CAP GRWTH ETF	921910816	2,307	$835,849	0.58%
40	INTUITIVE SURGICAL NEW	ISRG	1,526	$820,977	0.57%
41	QUANTA SERVICES INC	74762E102	2,190	$815,314	0.57%
42	SPDR S&P 500 ETF	SPY	1,298	$801,710	0.56%
43	SYNOPSYS INC	SNPS	1,506	$785,800	0.55%
44	TESLA INC	TSLA	2,584	$777,036	0.54%
45	META PLATFORMS INC A	META	1,054	$758,058	0.53%
46	ISHARES CORE MSCI PACIFIC ETF	46434V696	11,055	$756,493	0.53%
47	WALMART INC	WMT	7,434	$730,318	0.51%
48	UNITEDHEALTH GROUP INC	UNH	2,239	$730,230	0.51%
49	VANGUARD SMALL CAP GROWTH ETF	922908595	2,586	$715,398	0.50%
50	SPDR AGGREGATE BOND ETF	78464A649	27,938	$712,425	0.50%
51	ADOBE INC	ADBE	1,784	$699,514	0.49%
52	JPMORGAN BETABUILDERS US EQY ETF	46641Q399	6,248	$698,339	0.49%
53	VANGUARD SMALL CAP ETF	922908751	2,796	$669,474	0.47%
54	VANGUARD SMALL CAP VALUE ETF	922908611	3,354	$666,006	0.46%
55	SPDR S&P 600 SMALL CAP	78468R853	15,100	$653,229	0.46%
56	TJX COS INC NEW	872540109	5,155	$645,201	0.45%
57	BROADCOM INC	AVGO	2,435	$644,643	0.45%
58	AMER WATER WORKS COMPANY	030420103	4,440	$632,967	0.44%
59	NEXTERA ENERGY INC	NEE-PW	8,600	$628,312	0.44%
60	CAPITAL ONE FINL CORP	14040H105	2,862	$615,847	0.43%
61	SPDR S&P 500 ETF	78464A854	8,459	$614,547	0.43%
62	SPDR BLACKSTONE GSO SENIOR LOAN	78467V608	14,823	$612,929	0.43%
63	PARKER HANNIFIN CORP	PH	871	$612,556	0.43%
64	THERMO FISHER SCIENTIFIC	TMO	1,433	$603,964	0.42%
65	EOG RESOURCES INC	EOG	4,973	$602,682	0.42%
66	SPDR S&P 400 MDCP ETF	78464A847	10,837	$596,457	0.42%
67	JPMORGAN GLOBAL SELECT EQUITY ETF	46654Q740	9,191	$591,718	0.41%
68	VNGRD MEGA CAP VAL ETF	921910840	4,463	$591,483	0.41%
69	ISHARES JPMORGAN USD EMERG MARKETS BOND	464288281	6,205	$573,466	0.40%
70	ISHARES CORE S&P MID CAP ETF	464287507	9,063	$569,066	0.40%
71	Vanguard FTSE Emerging Markets ETF	922042858	11,335	$560,629	0.39%
72	VANGUARD SMALL CAP VALUE ETF	922908611	2,821	$560,051	0.39%
73	COMMUNICATION SVCS SELECT SECTOR SPDR	81369Y852	5,029	$541,926	0.38%
74	LINDE PLC NEW	LIN	1,132	$539,687	0.38%
75	ISHARES CORE MSCI PACIFIC ETF	46434V696	7,841	$536,605	0.37%
76	ISHS IBOX $ H/Y CORP ETF	464288513	6,691	$536,419	0.37%
77	CME GROUP INC CL A	CME	1,936	$533,214	0.37%
78	HLTHCR SEL SECT SPDR ETF	81369Y209	3,890	$531,804	0.37%
79	PALO ALTO NETWORKS INC	PANW	2,675	$528,332	0.37%
80	ADVANCED MICRO DEVICES	AMD	3,867	$526,343	0.37%
81	CONS STPLS SEL SPDR ETF	81369Y308	6,397	$524,433	0.37%
82	SPDR AGGREGATE BOND ETF	78464A649	20,305	$517,799	0.36%
83	ISHS RUSS 2000 INDX ETF	464287655	2,375	$517,775	0.36%
84	SALESFORCE INC	CRM	1,873	$509,293	0.35%
85	SPDR S&P 600 SMALL CAP	78468R853	11,527	$498,661	0.35%
86	ORACLE CORP	ORCL-PD	2,265	$495,945	0.35%
87	NXP SEMICONDUCTORS NV	NXPI	2,231	$493,519	0.34%
88	EXXON MOBIL CORP	XOM	4,499	$491,471	0.34%
89	NORTHROP GRUMMAN CORP	NOC	971	$488,929	0.34%
90	S&P GLOBAL INC	SPGI	908	$480,095	0.33%
91	Vanguard Tax-Exempt Bond ETF	922907746	9,702	$475,689	0.33%
92	BERKSHIRE HATHAWAY, INC. CL B	BRK-A	953	$466,595	0.33%
93	VERTEX PHARMS INC	VRTX	1,015	$458,943	0.32%
94	ISHS CORE MSCI EAFE ETF	46432F842	5,483	$456,790	0.32%
95	SPDR S&P 400 MDCP ETF	78464A847	8,277	$455,569	0.32%
96	NETFLIX INC	NFLX	345	$446,292	0.31%
97	SPDR DOW JONES REIT ETF	78464A607	4,498	$436,280	0.30%
98	VNGRD REAL EST INDX ETF	922908553	4,716	$423,074	0.29%
99	SPDR S&P INTL SMCP ETF	78463X871	11,294	$419,336	0.29%
100	Vanguard Small-Cap ETF	922908751	1,759	$416,848	0.29%
101	ZOETIS, INC.	ZTS	2,604	$414,531	0.29%
102	PEPSICO INC	PEP	3,047	$412,141	0.29%
103	Vanguard Total Bond Market ETF	921937835	5,588	$411,444	0.29%
104	COMMUNICATION SVCS SELECT SECTOR SPDR	81369Y852	3,745	$403,565	0.28%
105	HLTHCR SEL SECT SPDR ETF	81369Y209	2,892	$395,368	0.28%
106	PIMCO 0-5Y H/Y CORP ETF	72201R783	4,177	$393,976	0.27%
107	Vanguard Wellesley Income Admiral	921938205	6,272	$390,235	0.27%
108	CONS STPLS SEL SPDR ETF	81369Y308	4,756	$389,898	0.27%
109	SPDR SSgA Ultra Short Term Bond ETF	78467V707	9,049	$367,932	0.26%
110	ROPER TECHNOLOGIES INC	ROP	630	$360,809	0.25%
111	Vanguard Tax-Exempt Bond ETF	922907746	7,344	$360,076	0.25%
112	Vanguard Total Stock Market ETF	922908769	1,178	$358,030	0.25%
113	SPDR GOLD TRUST GOLD ETF	GLD	1,129	$347,236	0.24%
114	SPDR DOW JONES REIT ETF	78464A607	3,490	$338,499	0.24%
115	SPDR S&P INTL SMCP ETF	78463X871	8,904	$330,606	0.23%
116	VNGRD REAL EST INDX ETF	922908553	3,647	$327,077	0.23%
117	WILLIAMS CO., INC.	969457100	5,540	$325,308	0.23%
118	SPDR DOUBL T/RET TAC ETF	78467V848	8,009	$319,642	0.22%
119	SPDR BLOOMBERG ENCD RL YLD CM ETF	78468R440	11,634	$317,721	0.22%
120	SPDR LONG TERM TREAS ETF	78464A664	11,643	$308,659	0.22%
121	ENTERGY CORP NEW	ENO	3,673	$303,095	0.21%
122	SPDR NUV ICE MUNI BD ETF	78468R721	6,762	$301,450	0.21%
123	ISHARES RUSSELL MID CAP ETF	464287499	3,238	$300,066	0.21%
124	SPDR GOLD TRUST GOLD ETF	GLD	971	$298,635	0.21%
125	AT&T INC	T-PC	9,991	$288,539	0.20%
126	ISHARES TR MSCI EAFE MIN VL	46429B689	3,372	$284,463	0.20%
127	PHILIP MORRIS INTERNATIONAL INC	718172109	1,599	$283,870	0.20%
128	Vanguard S&P 500 ETF	922908363	499	$283,447	0.20%
129	SPDR LONG TERM TREAS ETF	78464A664	10,679	$283,096	0.20%
130	JPM BETABLDR INTL EQ ETF	46641Q373	4,141	$279,147	0.19%
131	VNGRD ALL WRLD SMCP ETF	922042718	2,079	$279,115	0.19%
132	ISHS USA MIN VOL FCT ETF	46429B697	2,930	$276,215	0.19%
133	SPDR DOUBL T/RET TAC ETF	78467V848	6,903	$275,498	0.19%
134	HCA HEALTHCARE INC	HCA	705	$274,621	0.19%
135	INTL PAPER COMPANY	460146103	5,497	$271,831	0.19%
136	Vanguard Total International Stock ETF	921909768	3,901	$269,520	0.19%
137	ALTRIA GROUP INC	MO	4,625	$268,900	0.19%
138	VERIZON COMMUNICATIONS, INC.	VZ	6,062	$264,789	0.18%
139	ELI LILLY & CO	LLY	341	$264,589	0.18%
140	VNGRD ALL WRLD SMCP ETF	922042718	1,935	$259,864	0.18%
141	SPDR BLOOMBERG ENCD RL YLD CM ETF	78468R440	9,434	$257,644	0.18%
142	DUKE ENERGY CORP	DUKB	2,118	$251,765	0.18%
143	SPDR LONG TERM CORP ETF	78464A367	11,120	$250,646	0.17%
144	SPDR S&P 500 ETF Trust	SPY	400	$247,140	0.17%
145	JPM BETABLDR CDA ETF	46641Q225	3,043	$245,665	0.17%
146	UPS INC B	UPS	2,345	$244,984	0.17%
147	PIMCO 0-5Y H/Y CORP ETF	72201R783	2,575	$242,760	0.17%
148	SPDR BLM BARCLAYS HIGH YLD BOND	78468R622	2,511	$242,714	0.17%
149	KLA CORP	KLAC	268	$240,892	0.17%
150	CINCINNATI FINL CORP	172062101	1,610	$240,502	0.17%
151	AMER ELEC PWR CO INC	025537101	2,299	$239,995	0.17%
152	VANGUARD SMALL CAP VALUE ETF	922908611	1,197	$237,689	0.17%
153	VNGRD US R/EST IDX ETF	922042676	5,066	$234,958	0.16%
154	O REILLY AUTOMOTIVE NEW	67103H107	2,555	$231,234	0.16%
155	FIFTH THIRD BANCORP	FITBM	5,435	$230,662	0.16%
156	ABBVIE INC	ABBV	1,214	$230,651	0.16%
157	PROCTER & GAMBLE CO	742718109	1,428	$230,064	0.16%
158	CHEVRON CORP	CVX	1,566	$227,963	0.16%
159	INTL BUSINESS MACHS CORP	INTR	775	$225,680	0.16%
160	BANK AMERICA CORP	060505104	4,650	$223,901	0.16%
161	SPDR DJ INTL RL EST ETF	78463X863	7,874	$216,590	0.15%
162	SPDR BLM BARCLAYS HIGH YLD BOND	78468R622	2,214	$214,007	0.15%
163	JPM BETABLDR CDA ETF	46641Q225	2,650	$213,934	0.15%
164	U S BANCORP DE NEW	USB-PS	4,591	$213,435	0.15%
165	ISHS CORE MSCI E/MKT ETF	46434G103	3,541	$212,780	0.15%
166	ISHARES TREASURY FLOATNG RATE BD ETF	46434V860	4,209	$212,429	0.15%
167	COCA COLA COMPANY	KO	2,963	$212,361	0.15%
168	Vanguard S&P 500 ETF	922908363	372	$211,307	0.15%
169	VANECK HI YLD MUN ETF	92189H409	4,171	$208,801	0.15%
170	SPDR LONG TERM CORP ETF	78464A367	9,262	$208,764	0.15%
171	CITIZENS FINANCIAL GROUP INC	CIA	4,518	$208,284	0.15%
172	VNGRD MDCP VAL ETF	922908512	1,248	$207,817	0.14%
173	FT SENIOR LOAN FD ETF	33738D309	4,483	$205,994	0.14%
174	Vanguard High Dividend Yield ETF	921946406	1,527	$203,564	0.14%
175	VNGRD MDCP GRW ETF	922908538	713	$201,779	0.14%
176	ISHS BRD USD H/Y CRP ETF	46435U853	5,383	$200,680	0.14%
177	NISOURCE INC	NI	4,974	$199,259	0.14%
178	CITIGROUP INC NEW	C-PR	2,270	$195,837	0.14%
179	SPDR BLM BARCLAYS HIGH YLD BOND	78468R622	2,006	$193,900	0.14%
180	VNGRD US R/EST IDX ETF	922042676	4,180	$193,831	0.14%
181	Value Line Select Growth Fund	VALU	5,186	$192,055	0.13%
182	ISHS USA MIN VOL FCT ETF	46429B697	2,010	$189,369	0.13%
183	WEC ENERGY GRP, INC.	WEC	1,806	$189,182	0.13%
184	DTE ENERGY CO	DTK	1,425	$188,712	0.13%
185	ISHARES TR MSCI EAFE MIN VL	46429B689	2,228	$187,917	0.13%
186	Vanguard Tax-Exempt Bond ETF	922907746	3,747	$183,715	0.13%
187	SPDR DEV WORLD EX-US ETF	78463X889	4,510	$182,385	0.13%
188	SEMPRA	SREA	2,385	$181,685	0.13%
189	VANGUARD SMALL CAP GROWTH ETF	922908595	652	$180,285	0.13%
190	ISHARES TREASURY FLOATNG RATE BD ETF	46434V860	3,530	$178,157	0.12%
191	Vanguard FTSE Developed Markets ETF	921943858	3,115	$177,586	0.12%
192	METLIFE INC	MET-PF	2,189	$177,506	0.12%
193	PUBLIC SERVICE ENTER GROUP, INC.	744573106	2,120	$175,685	0.12%
194	Vanguard Total International Bond ETF	92203J407	3,520	$174,275	0.12%
195	SPDR DJ INTL RL EST ETF	78463X863	6,192	$170,294	0.12%
196	FIRSTENERGY CORP	FE	4,188	$169,113	0.12%
197	GILEAD SCIENCES INC	GILD	1,510	$168,715	0.12%
198	Vanguard Total Stock Market ETF	922908769	549	$166,858	0.12%
199	DOMINION ENERGY INC	D	2,825	$162,865	0.11%
200	LOCKHEED MARTIN CORP	LMT	348	$162,149	0.11%
201	Vanguard S&P 500 ETF	922908363	281	$159,616	0.11%
202	FIDELITY NATL FINL INC	FNF	2,760	$158,066	0.11%
203	AIRBNB INC CL A	ABNB	1,150	$155,721	0.11%
204	Vanguard Intl Hi Div Yld Idx ETF	921946794	1,932	$154,773	0.11%
205	SPDR BLOOMBG EMG MRK USD BND ETF	78468R515	6,306	$154,749	0.11%
206	VNGRD EXTND MARKET ETF	922908652	799	$154,674	0.11%
207	INVSC S P 500 MOMENTUM ETF	IVZ	1,373	$152,047	0.11%
208	SPDR S&P 500 ETF Trust	SPY	246	$151,991	0.11%
209	SPDR BLOOMBG EMG MRK USD BND ETF	78468R515	6,186	$151,805	0.11%
210	Vanguard S&P 500 ETF	922908363	265	$150,528	0.10%
211	ISHARES US TREASURY BOND	46429B267	6,563	$150,194	0.10%
212	VANGUARD TOTAL INT'L BOND ETF	92203J407	3,021	$149,392	0.10%
213	QORVO INC	QRVO	1,715	$147,627	0.10%
214	Vanguard FTSE Developed Markets ETF	921943858	2,565	$146,231	0.10%
215	CHUBB LTD	CB	485	$140,455	0.10%
216	iShares Core S&P 500 ETF	464287200	226	$140,323	0.10%
217	SPDR BLACKSTONE GSO SENIOR LOAN	78467V608	3,366	$139,187	0.10%
218	Vanguard Growth ETF	922908736	317	$138,973	0.10%
219	UNUM GROUP	UNMA	1,690	$138,684	0.10%
220	ASML HOLDING NV	ASMLF	175	$138,332	0.10%
221	SPDR BLACKSTONE GSO SENIOR LOAN	78467V608	3,301	$136,499	0.10%
222	ISHARES RUSSELL MID CAP VALUE ETF	464287473	1,018	$136,159	0.09%
223	REGIONS FINL CORP NEW	RF-PF	5,630	$136,078	0.09%
224	VANGUARD VALUE ETF	922908744	751	$134,008	0.09%
225	XPO INC	XPO	1,030	$133,343	0.09%
226	EVERSOURCE ENERGY	ES	2,062	$133,105	0.09%
227	JPMORGAN CHASE & CO	VYLD	455	$132,139	0.09%
228	SPDR PORT INTER TRM TRSRY ETF	78464A672	4,553	$130,309	0.09%
229	SPDR GOLD MINISHARES	GLDW	1,964	$129,804	0.09%
230	CSX CORP	CSX	3,875	$129,696	0.09%
231	SCHWAB US TIPS ETF	808524870	4,858	$129,078	0.09%
232	SPDR PORT INTER TRM TRSRY ETF	78464A672	4,497	$128,686	0.09%
233	Vanguard Total Bond Market ETF	921937835	1,732	$127,527	0.09%
234	Vanguard Total International Stock ETF	921909768	1,815	$125,398	0.09%
235	Vanguard FTSE Developed Markets ETF	921943858	2,187	$124,681	0.09%
236	ANHEUSER BUSCH INBEV	BUDFF	1,795	$124,305	0.09%
237	GENERAL MILLS INC	370334104	2,325	$123,667	0.09%
238	ISHARES TR MSCI USA MMENTM	46432F396	522	$123,614	0.09%
239	VNGRD MDCP GRW ETF	922908538	431	$121,973	0.08%
240	ISHS 10 INV GR CORP ETF	464289511	2,411	$120,937	0.08%
241	ISHARES CORE S&P 500 ETF	464287200	194	$120,409	0.08%
242	ISHARES JPMORGAN USD EMERG MARKETS BOND	464288281	1,292	$119,407	0.08%
243	PFIZER INC	PFE	4,762	$119,239	0.08%
244	Navigator Tactical Fixed Income I	NVGS	12,395	$118,994	0.08%
245	EXELON CORPORATION	EXC	2,720	$118,077	0.08%
246	ISHS USD INVT GRD BD ETF	464288620	2,262	$115,995	0.08%
247	VNGRD MDCP VAL ETF	922908512	695	$115,731	0.08%
248	T. Rowe Price Blue Chip Growth I	77954Q403	556	$112,408	0.08%
249	ISHS BRD USD H/Y CRP ETF	46435U853	2,993	$111,556	0.08%
250	AMAZON.COM INC	AMZN	500	$110,230	0.08%
251	AUTOMATIC DATA PROCESSING INC	ADP	347	$107,615	0.07%
252	CHUBB LTD	CB	368	$106,570	0.07%
253	VANGUARD MORTGAGE BACKED SEC IDX ETF	92206C771	2,297	$106,005	0.07%
254	SPDR INTERMED TERM ETF	78464A375	3,159	$105,635	0.07%
255	ISHS IBOX $ H/Y CORP ETF	464288513	1,286	$103,099	0.07%
256	SCHWAB US TIPS ETF	808524870	3,870	$102,826	0.07%
257	MARSH & MCLENNAN COS INC	571748102	472	$102,817	0.07%
258	IRON MOUNTAIN INC	46284V101	1,025	$102,429	0.07%
259	Vanguard Value ETF	922908744	576	$101,802	0.07%
260	VANGUARD SMALL CAP GROWTH ETF	922908595	367	$101,479	0.07%
261	INTERPUBLIC GROUP	INTR	4,005	$100,648	0.07%
262	SONOCO PRODUCTS CO	835495102	2,185	$99,943	0.07%
263	SEAGATE TECH HLDGS PLC	SE	665	$96,452	0.07%
264	FORD MOTOR CO	345370860	8,450	$95,909	0.07%
265	ISHS INVSTMNT BD ETF	464287242	869	$95,017	0.07%
266	Vanguard S&P 500 ETF	922908363	167	$94,861	0.07%
267	Vanguard S&P 500 ETF	922908363	164	$93,157	0.06%
268	PRINCIPAL FINANCIAL GROUP INC	PFG	1,150	$92,957	0.06%
269	Vanguard FTSE Developed Markets ETF	921943858	1,627	$92,755	0.06%
270	Vanguard Growth ETF	922908736	211	$92,502	0.06%
271	ISHARES MSCI EMERGING MARKETS AS ETF	464286426	1,117	$92,398	0.06%
272	ANALOG DEVICES INC	ADI	381	$91,684	0.06%
273	INTL BUSINESS MACHS CORP	INTR	305	$88,816	0.06%
274	WALT DISNEY CO	254687106	718	$88,666	0.06%
275	Vanguard FTSE Developed Markets ETF	921943858	1,554	$88,594	0.06%
276	SPDR INTERMED TERM ETF	78464A375	2,640	$88,282	0.06%
277	PARKER HANNIFIN CORP	PH	121	$85,098	0.06%
278	WATSCO INC A	WSO-B	185	$84,286	0.06%
279	Vanguard FTSE Developed Markets ETF	921943858	1,457	$83,064	0.06%
280	VANGUARD GROWTH ETF	922908736	189	$81,803	0.06%
281	JPMORGAN BETABUILDERS JAPAN ETF	46641Q217	1,317	$80,852	0.06%
282	NIKE INC B	NKE	1,099	$80,678	0.06%
283	SPDR BLOOMBERG 1 10 YR TIPS ETF	78468R861	4,229	$80,523	0.06%
284	XCEL ENERGY INC	XELLL	1,160	$79,704	0.06%
285	SPDR GOLD MINISHARES	GLDW	1,203	$79,467	0.06%
286	EXXON MOBIL CORP	XOM	726	$79,309	0.06%
287	NVENT ELECTRIC PLC	NVT	1,079	$77,861	0.05%
288	MICROSOFT CORPORATION	MSFT	158	$77,744	0.05%
289	SPDR LONG TERM TREAS ETF	78464A664	2,906	$77,037	0.05%
290	Columbia Tax-Exempt A	19765L850	6,761	$76,807	0.05%
291	SPDR S/T TREASURY ETF	78468R101	2,596	$75,727	0.05%
292	H&R BLOCK INC	BSQKZ	1,345	$75,025	0.05%
293	TRUIST FINANCIAL CORP	89832Q109	1,695	$74,919	0.05%
294	SCHLUMBERGER LTD	SLB	2,124	$74,765	0.05%
295	VANGUARD MID CAP ETF	922908629	265	$74,574	0.05%
296	MERCK & COMPANY INC	MRK	893	$73,012	0.05%
297	AMERN EXPRESS CO	AXP	222	$71,602	0.05%
298	LINDE PLC NEW	LIN	150	$71,515	0.05%
299	Vanguard S&P 500 ETF	922908363	125	$71,004	0.05%
300	SPDR BLOOMBERG 1 10 YR TIPS ETF	78468R861	3,702	$70,486	0.05%
301	MORGAN STANLEY	MS-PQ	497	$70,113	0.05%
302	QORVO INC	QRVO	800	$68,864	0.05%
303	NVIDIA CORP	NVDA	449	$68,832	0.05%
304	CISCO SYSTEMS INC	CSCO	996	$68,823	0.05%
305	Vanguard Total Stock Market ETF	922908769	224	$68,080	0.05%
306	BROADCOM INC	AVGO	257	$68,038	0.05%
307	Vanguard Value ETF	922908744	384	$67,868	0.05%
308	GENERAL ELECTRIC COMPANY	369604301	272	$67,732	0.05%
309	SPDR BLOOMBERG BARCLAYS EM LOCAL BD	78464A391	3,177	$67,704	0.05%
310	ISHS SEL DIV ETF	464287168	494	$66,868	0.05%
311	Vanguard Value ETF	922908744	378	$66,808	0.05%
312	Vanguard FTSE Emerging Markets ETF	922042858	1,347	$66,623	0.05%
313	GOLDMAN SACHS GROUP INC	GSCE	94	$66,406	0.05%
314	VANGUARD TOTAL BOND MARKET ETF	921937835	901	$66,078	0.05%
315	PHILIP MORRIS INTERNATIONAL INC	718172109	371	$65,864	0.05%
316	ISHS 10 INV GR CORP ETF	464289511	1,309	$65,596	0.05%
317	AMGEN INC	AMGN	225	$65,366	0.05%
318	SPDR BLOOMBERG BARCLAYS EM LOCAL BD	78464A391	3,054	$65,080	0.05%
319	VANGUARD MID CAP ETF	922908629	230	$64,729	0.05%
320	ISHARES JPMORGAN USD EMERG MARKETS BOND	464288281	699	$64,638	0.05%
321	BROOKFIELD ASSET MNGMT CL A	113004105	1,175	$64,553	0.04%
322	Vanguard Growth ETF	922908736	147	$64,445	0.04%
323	VALERO ENERGY CORP	VLO	465	$64,173	0.04%
324	CRH PLC	CRH	678	$63,259	0.04%
325	HP INC	HPQ	2,460	$62,731	0.04%
326	BANK AMERICA CORP	060505104	1,300	$62,595	0.04%
327	SPDR S&P 500 GROWTH ETF	78464A409	660	$62,258	0.04%
328	JOHNSON & JOHNSON	JNJ	397	$61,899	0.04%
329	ISHS INVSTMNT BD ETF	464287242	564	$61,797	0.04%
330	Vanguard S&P 500 ETF	922908363	108	$61,347	0.04%
331	COCA COLA COMPANY	KO	853	$61,135	0.04%
332	JPMORGAN BETA YIELD CORP BND ETF	46641Q878	1,305	$60,543	0.04%
333	VISA INC CL A	V	170	$60,430	0.04%
334	Nuveen Core Impact Bond R6	NU	6,704	$60,399	0.04%
335	Vanguard Total International Bond ETF	92203J407	1,206	$59,709	0.04%
336	Vanguard FTSE Developed Markets ETF	921943858	1,044	$59,518	0.04%
337	Vanguard S&P 500 ETF	922908363	104	$59,075	0.04%
338	MCKESSON CORP	MCK	81	$58,944	0.04%
339	Vanguard Interm-Term Bond ETF	921937819	761	$58,856	0.04%
340	Vanguard FTSE Developed Markets ETF	921943858	1,031	$58,777	0.04%
341	FIFTH THIRD BANCORP	FITBM	1,384	$58,738	0.04%
342	SPDR BLOOMBERG TBILL ETF	78468R663	642	$58,678	0.04%
343	SPDR S/T TREASURY ETF	78468R101	2,010	$58,632	0.04%
344	JPMorgan Chase & Co	VYLD	200	$57,982	0.04%
345	APPLE INC	AAPL	279	$57,979	0.04%
346	PROLOGIS, INC.	PLDGP	537	$57,234	0.04%
347	META PLATFORMS INC A	META	79	$56,819	0.04%
348	Vanguard Short-Term Bond ETF	921937827	720	$56,664	0.04%
349	STRYKER CORP	SYK	142	$56,336	0.04%
350	PAYCHEX INC	PAYX	380	$56,020	0.04%
351	ABBVIE INC	ABBV	292	$55,479	0.04%
352	NOVARTIS AG SPON ADR	NVSEF	447	$55,025	0.04%
353	SOUTHERN COMPANY	SOMN	592	$54,643	0.04%
354	Vanguard Total International Bond ETF	92203J407	1,096	$54,263	0.04%
355	Vanguard FTSE Emerging Markets ETF	922042858	1,097	$54,258	0.04%
356	WELLS FARGO & CO NEW	949746101	663	$54,028	0.04%
357	VANGUARD INTERM-TM CORP BD IDX	92206C870	654	$54,014	0.04%
358	TAIWAN SEMICON MFG CO	874039100	240	$53,923	0.04%
359	INV NATL AMT FRE MUN ETF	IVZ	2,400	$53,760	0.04%
360	SPDR ICE S/T MUN BD ETF	78468R739	1,122	$53,587	0.04%
361	SUMITOMO MITSUI FINL	86562M209	3,534	$53,365	0.04%
362	ISHS 10-20 TRSRY ETF	464288653	524	$53,073	0.04%
363	ISHS MSCI CANADA ETF	464286509	1,139	$52,608	0.04%
364	WENDYS CO	95058W100	4,410	$52,392	0.04%
365	VANGUARD SMALL CAP ETF	922908751	218	$52,197	0.04%
366	SPDR BARCLAYS SHORT TERM HIGH YIELD BOND	78468R408	2,039	$51,647	0.04%
367	Vanguard Total International Stock ETF	921909768	743	$51,334	0.04%
368	RAYTHEON TECHNOLOGIES CORP	RTX	356	$51,333	0.04%
369	ABBOTT LABORATORIES	ABLZF	374	$50,960	0.04%
370	PULTEGROUP INC	745867101	457	$50,242	0.04%
371	CHEVRON CORP	CVX	341	$49,639	0.03%
372	CELESTICA INC	CLS	332	$49,438	0.03%
373	LEIDOS HOLDINGS INC	LDOS	306	$49,249	0.03%
374	WALMART INC	WMT	500	$49,119	0.03%
375	SPDR INTERMED TERM ETF	78464A375	1,462	$48,889	0.03%
376	SPDR NUV ICE MUNI BD ETF	78468R721	1,096	$48,860	0.03%
377	ISHS MBS ETF	464288588	521	$48,699	0.03%
378	iShares iBoxx $ Invmt Grade Corp Bd ETF	464287242	442	$48,448	0.03%
379	ONEMAIN HOLDINGS, INC.	OMF	830	$48,322	0.03%
380	WILLIAMS SONOMA INC	WSM	284	$48,050	0.03%
381	Procter & Gamble Co	742718109	300	$47,796	0.03%
382	AFLAC INC	AFL	447	$47,283	0.03%
383	AT&T INC	T-PC	1,626	$46,958	0.03%
384	CARRIER GLOBAL CORP	CARR	630	$46,809	0.03%
385	ALPHABET INC A	GOOG	265	$46,597	0.03%
386	ELI LILLY & CO	LLY	60	$46,556	0.03%
387	BANCO BILBAO VIZCAYA ADR	BBVXF	3,051	$46,436	0.03%
388	SNOWFLAKE INC A	SNOW	214	$46,218	0.03%
389	ISHS INVSTMNT BD ETF	464287242	421	$46,032	0.03%
390	SPDR BLOOMBERG TBILL ETF	78468R663	503	$45,992	0.03%
391	DUKE ENERGY CORP	DUKB	385	$45,766	0.03%
392	ISHS MSCI CANADA ETF	464286509	989	$45,682	0.03%
393	Norfolk Southern Corp	655844108	178	$45,563	0.03%
394	CUMMINS INC	CMI	137	$45,156	0.03%
395	INTL BUSINESS MACHS CORP	INTR	155	$45,137	0.03%
396	CATERPILLAR INC	CAT	115	$44,957	0.03%
397	Vanguard FTSE Developed Markets ETF	921943858	783	$44,639	0.03%
398	NVIDIA Corp	NVDA	280	$44,237	0.03%
399	ISHS MBS ETF	464288588	470	$43,926	0.03%
400	Equity Residential	EQR	650	$43,869	0.03%
401	Vanguard FTSE Emerging Markets ETF	922042858	886	$43,822	0.03%
402	WILLIAMS CO., INC.	969457100	737	$43,276	0.03%
403	ISHS NATL MUNI BD ETF	464288414	412	$42,968	0.03%
404	ISHARES TR MSCI USA MMENTM	46432F396	181	$42,863	0.03%
405	LAZARD INC	LAZ	875	$42,673	0.03%
406	STERLING INFRASTRUCTURE INC	STRL	190	$42,282	0.03%
407	ISHARES RUSSELL MID CAP GROWTH ETF	464287481	304	$41,854	0.03%
408	MCDONALDS CORP	MCD	139	$41,349	0.03%
409	WASTE MANAGEMENT, INC.	94106L109	177	$40,495	0.03%
410	Vanguard Extended Market ETF	922908652	209	$40,276	0.03%
411	Navigator Tactical Fixed Income I	NVGS	4,176	$40,088	0.03%
412	VNGRD ALL WRLD SMCP ETF	922042718	296	$39,743	0.03%
413	VANECK HI YLD MUN ETF	92189H409	790	$39,547	0.03%
414	CIGNA CORP	125523100	118	$39,457	0.03%
415	BLACKROCK FDG INC	BLK	37	$39,008	0.03%
416	BEST BUY CO., INC.	BBY	550	$38,861	0.03%
417	WALT DISNEY CO	254687106	311	$38,405	0.03%
418	ISHARES TOTAL US STOCK MARKET ETF	464287150	282	$38,070	0.03%
419	Bank of America Corporation	060505104	800	$37,856	0.03%
420	GSK PLC NEW	GLAXF	957	$37,275	0.03%
421	SPDR Nuveen ICE Short Term Muncpl Bd ETF	78468R739	776	$37,116	0.03%
422	Vanguard FTSE Developed Markets ETF	921943858	649	$36,999	0.03%
423	FORTIVE CORP	FTV	692	$36,787	0.03%
424	ARTHUR J GALLAGHER	363576109	114	$36,420	0.03%
425	NATL GRID ADR NEW 2017	NMPWP	486	$36,149	0.03%
426	VERIZON COMMUNICATIONS, INC.	VZ	820	$35,818	0.02%
427	ALPHABET INC C	GOOG	201	$35,559	0.02%
428	Vanguard FTSE Emerging Markets ETF	922042858	718	$35,512	0.02%
429	Vanguard Total International Bond ETF	92203J407	712	$35,251	0.02%
430	Vanguard FTSE Developed Markets ETF	921943858	613	$34,947	0.02%
431	PROGRESSIVE CORP OH	743315103	132	$34,888	0.02%
432	CINTAS CORP	CTAS	155	$34,766	0.02%
433	Franklin MA Tax-Free Income A1	354723207	3,398	$34,725	0.02%
434	NETAPP INC	NTAP	324	$34,569	0.02%
435	AUTOMATIC DATA PROCESSING INC	ADP	111	$34,423	0.02%
436	TORONTO DOMINION BK	TORO	463	$34,314	0.02%
437	VANECK HI YLD MUN ETF	92189H409	683	$34,191	0.02%
438	DANAHER CORP	235851102	170	$34,186	0.02%
439	CONSTELLATN ENERGY CORP	CEG	111	$34,181	0.02%
440	Goldman Sachs JUST U.S. Large Cap Equity ETF	NVGLF	382	$33,588	0.02%
441	FABRINET	FN	116	$33,537	0.02%
442	Parnassus Core Equity Institutional	701769408	523	$33,452	0.02%
443	NICE LTD SPON ADR	NCSYF	199	$33,374	0.02%
444	S&P GLOBAL INC	SPGI	63	$33,349	0.02%
445	iShares Russell 1000 Value ETF	464287598	171	$33,213	0.02%
446	TE CONNECTIVITY PLC	TEL	195	$33,203	0.02%
447	NETEASE INC SPON ADR	NETTF	246	$33,156	0.02%
448	BXP INC	BXP	486	$33,105	0.02%
449	INV NATL AMT FRE MUN ETF	IVZ	1,475	$33,040	0.02%
450	Vanguard Total International Bond ETF	92203J407	664	$32,875	0.02%
451	CHEVRON CORP	CVX	225	$32,752	0.02%
452	Vanguard Short-Term Bond ETF	921937827	416	$32,739	0.02%
453	ISHS USA MIN VOL FCT ETF	46429B697	339	$31,959	0.02%
454	iShares Russell 1000 Growth ETF	464287614	75	$31,844	0.02%
455	GOLDMAN SACHS GROUP INC	GSCE	45	$31,791	0.02%
456	Vanguard FTSE Emerging Markets ETF	922042858	639	$31,605	0.02%
457	Fifth Third Bancorp	FITBM	768	$31,588	0.02%
458	COSTCO WHOLESALE CORP	22160K105	32	$31,552	0.02%
459	SPDR PORT INTER TRM TRSRY ETF	78464A672	1,102	$31,540	0.02%
460	SERVICENOW INC	NOW	31	$31,367	0.02%
461	Vanguard Short-Term Bond ETF	921937827	398	$31,323	0.02%
462	SPDR S&P 500 ETF Trust	SPY	50	$30,893	0.02%
463	SPDR S&P 500 ETF Trust	SPY	50	$30,893	0.02%
464	CMS ENERGY CORP	CMS-PC	440	$30,858	0.02%
465	iShares Core MSCI Emerging Markets ETF	46434G103	510	$30,615	0.02%
466	SPDR SSGA Fixed Inc Sect Rotation ETF	78470P507	1,182	$30,543	0.02%
467	CHENIERE ENERGY INC NEW	LNG	129	$30,448	0.02%
468	SPDR SSGA US Sector Rotation ETF	78470P408	554	$30,426	0.02%
469	SPDR SSGA US Sector Rotation ETF	78470P408	549	$30,151	0.02%
470	Vanguard Extended Market ETF	922908652	156	$30,063	0.02%
471	PROCTER & GAMBLE CO	742718109	186	$29,987	0.02%
472	ISHS S&P SMCP600 GRW ETF	464287887	224	$29,986	0.02%
473	TEXAS INSTRUMENTS INC	882508104	142	$29,884	0.02%
474	SPDR SSGA Fixed Inc Sect Rotation ETF	78470P507	1,141	$29,483	0.02%
475	iShares National Muni Bond ETF	464288414	282	$29,463	0.02%
476	UNITEDHEALTH GROUP INC	UNH	89	$29,026	0.02%
477	STONECO LTD A	STNE	1,792	$28,922	0.02%
478	W.P. Carey Inc	92936U109	463	$28,882	0.02%
479	Vanguard Mortgage-Backed Secs ETF	92206C771	622	$28,823	0.02%
480	JPMORGAN INTERN RESRCH ENH EQT ETF	46641Q134	407	$28,754	0.02%
481	Vanguard FTSE Emerging Markets ETF	922042858	581	$28,736	0.02%
482	BIOGEN INC	BIIB	220	$28,615	0.02%
483	GOLD FIELDS LTD ADR NEW	GFIOF	1,205	$28,595	0.02%
484	SIMON PPTY GRP INC NEW	828806109	174	$28,582	0.02%
485	ESSEX PROPERTY TRUST INC	297178105	100	$28,477	0.02%
486	SPDR PORTFOLIO CORPORATE BOND ETF	78464A144	974	$28,362	0.02%
487	BIOGEN INC	BIIB	217	$28,225	0.02%
488	Vanguard Interm-Term Bond ETF	921937819	363	$28,074	0.02%
489	Vanguard Small-Cap ETF	922908751	118	$27,964	0.02%
490	Goldman Sachs JUST U.S. Large Cap Equity ETF	NVGLF	318	$27,960	0.02%
491	Cisco Systems Inc	CSCO	400	$27,752	0.02%
492	SPDR EMERG MKTS ETF	78463X509	646	$27,681	0.02%
493	CHECK POINT SFTWARE TECH	M22465104	125	$27,636	0.02%
494	ENSIGN GROUP INC	ENSG	182	$27,444	0.02%
495	Parnassus Core Equity Institutional	701769408	429	$27,428	0.02%
496	iShares Trust iShares USD Green Bond ETF	46435U440	575	$27,410	0.02%
497	ACCENTURE PLC IRELD CL A	ACN	90	$27,235	0.02%
498	SPDR LONG TERM TREAS ETF	78464A664	1,013	$26,854	0.02%
499	SPDR ICE S/T MUN BD ETF	78468R739	556	$26,555	0.02%
500	Vanguard Long-Term Bond ETF	921937793	380	$26,425	0.02%