13F HOLDINGS REPORT

RICHARDSON FINANCIAL SERVICES INC.

Quarter ended Q3 2025 · Filed October 28, 2025 · Accession 0002012303-25-000009

Total Value

$161.3M

Positions

1,024

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (500)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	APPLE INC	AAPL	21,944	$5.6M	3.60%
2	SPDR S&P 500 ETF	78464A854	54,540	$4.3M	2.75%
3	NVIDIA CORP	NVDA	22,867	$4.3M	2.75%
4	SPDR S&P 500 ETF	78464A854	41,999	$3.3M	2.12%
5	MICROSOFT CORPORATION	MSFT	6,024	$3.1M	2.01%
6	VANGUARD VALUE ETF	922908744	13,939	$2.6M	1.67%
7	VANGUARD GROWTH ETF	922908736	5,141	$2.5M	1.59%
8	ALPHABET INC A	GOOG	9,942	$2.4M	1.56%
9	VANGUARD VALUE ETF	922908744	11,453	$2.1M	1.38%
10	VANGUARD GROWTH ETF	922908736	4,266	$2.0M	1.32%
11	Vanguard Growth ETF	922908736	4,031	$1.9M	1.25%
12	SPDR DEV WORLD EX-US ETF	78463X889	42,805	$1.8M	1.18%
13	AMAZON.COM INC	AMZN	8,276	$1.8M	1.17%
14	ISHS IBOX $ H/Y CORP ETF	464288513	21,823	$1.8M	1.14%
15	SPDR EMERG MKTS ETF	78463X509	36,478	$1.7M	1.10%
16	Vanguard FTSE Developed Markets ETF	921943858	28,055	$1.7M	1.08%
17	ISHARES 0-5 YEAR HIGH YIELD CORP ETF	46434V407	33,593	$1.5M	0.94%
18	ISHARES CORE MSCI EUROPE ETF	46434V738	20,526	$1.4M	0.90%
19	JPMORGAN CHASE & CO	VYLD	4,358	$1.4M	0.89%
20	MASTERCARD INC A	MA	2,404	$1.4M	0.88%
21	Vanguard Value ETF	922908744	7,325	$1.4M	0.88%
22	SPDR DEV WORLD EX-US ETF	78463X889	31,642	$1.4M	0.87%
23	ISHARES CORE MSCI EUROPE ETF	46434V738	18,472	$1.3M	0.81%
24	VISA INC CL A	V	3,663	$1.3M	0.81%
25	ISHS CORE MSCI E/MKT ETF	46434G103	18,822	$1.2M	0.80%
26	SPDR EMERG MKTS ETF	78463X509	26,278	$1.2M	0.79%
27	APPLE INC	AAPL	4,627	$1.2M	0.76%
28	T-MOBILE US, INC.	TMUSZ	4,869	$1.2M	0.75%
29	TESLA INC	TSLA	2,609	$1.2M	0.75%
30	HOME DEPOT INC	HD	2,830	$1.1M	0.74%
31	ISHS IBOX $ H/Y CORP ETF	464288513	13,809	$1.1M	0.72%
32	VANGUARD S&P 500	922908363	1,789	$1.1M	0.71%
33	SPDR S&P 600 SMALL CAP	78468R853	22,638	$1.0M	0.68%
34	VNGRD MEGA CAP GRWTH ETF	921910816	2,575	$1.0M	0.67%
35	META PLATFORMS INC A	META	1,389	$1.0M	0.66%
36	ISHS CORE MSCI E/MKT ETF	46434G103	15,234	$1.0M	0.65%
37	CINTAS CORP	CTAS	4,777	$980,530	0.63%
38	ISHARES CORE TOTAL USD BD MKT ETF	46434V613	20,436	$954,562	0.61%
39	MCDONALDS CORP	MCD	3,089	$938,714	0.60%
40	COSTCO WHOLESALE CORP	22160K105	1,014	$938,589	0.60%
41	Vanguard S&P 500 ETF	922908363	1,509	$924,081	0.60%
42	VANGUARD SMALL CAP GROWTH ETF	922908595	3,075	$915,183	0.59%
43	JPMORGAN BETABUILDERS US EQY ETF	46641Q399	7,458	$899,881	0.58%
44	QUANTA SERVICES INC	464287200	2,140	$886,861	0.57%
45	SPDR S&P 500 ETF	SPY	1,298	$864,702	0.56%
46	TRANE TECHNOLOGIES PLC	TT	2,048	$864,173	0.56%
47	BROADCOM INC	AVGO	2,483	$819,172	0.53%
48	ISHARES CORE MSCI PACIFIC ETF	46434V696	10,747	$789,153	0.51%
49	VANGUARD SMALL CAP GROWTH ETF	922908595	2,608	$776,551	0.50%
50	WALMART INC	WMT	7,489	$771,819	0.50%
51	SPDR S&P 600 SMALL CAP	78468R853	16,422	$760,667	0.49%
52	SYNOPSYS INC	SNPS	1,476	$728,244	0.47%
53	TJX COS INC NEW	872540109	4,975	$719,087	0.46%
54	THERMO FISHER SCIENTIFIC	TMO	1,469	$712,498	0.46%
55	VANGUARD SMALL CAP ETF	922908751	2,796	$710,965	0.46%
56	VANGUARD SMALL CAP VALUE ETF	922908611	3,257	$679,767	0.44%
57	INTUITIVE SURGICAL NEW	ISRG	1,516	$678,001	0.44%
58	NEXTERA ENERGY INC	NEE-PW	8,450	$637,895	0.41%
59	PARKER HANNIFIN CORP	PH	836	$633,817	0.41%
60	VNGRD MEGA CAP VAL ETF	921910840	4,589	$632,091	0.41%
61	ORACLE CORP	ORCL-PD	2,245	$631,383	0.41%
62	SPDR S&P 400 MDCP ETF	78464A847	11,025	$630,509	0.41%
63	SPDR S&P 500 ETF	78464A854	7,977	$624,919	0.40%
64	SPDR BLACKSTONE GSO SENIOR LOAN	78467V608	14,912	$620,040	0.40%
65	ADVANCED MICRO DEVICES	AMD	3,815	$617,229	0.40%
66	Vanguard FTSE Emerging Markets ETF	922042858	11,335	$614,130	0.40%
67	ADOBE INC	ADBE	1,706	$601,797	0.39%
68	AMER WATER WORKS COMPANY	030420103	4,315	$600,607	0.39%
69	VANGUARD SMALL CAP VALUE ETF	922908611	2,864	$597,617	0.38%
70	ISHS RUSS 2000 INDX ETF	464287655	2,460	$595,222	0.38%
71	ISHARES JPMORGAN USD EMERG MARKETS BOND	464288281	6,218	$591,892	0.38%
72	ISHARES CORE S&P MID CAP ETF	464287507	9,063	$591,451	0.38%
73	CAPITAL ONE FINL CORP	14040H105	2,747	$583,958	0.38%
74	ISHARES CORE MSCI PACIFIC ETF	46434V696	7,934	$582,639	0.38%
75	COMMUNICATION SVCS SELECT SECTOR SPDR	81369Y852	4,918	$582,143	0.37%
76	NORTHROP GRUMMAN CORP	NOC	948	$577,637	0.37%
77	HLTHCR SEL SECT SPDR ETF	81369Y209	4,106	$571,433	0.37%
78	CONS STPLS SEL SPDR ETF	81369Y308	7,054	$552,817	0.36%
79	PALO ALTO NETWORKS INC	PANW	2,653	$539,999	0.35%
80	EOG RESOURCES INC	EOG	4,783	$536,269	0.35%
81	LINDE PLC NEW	LIN	1,112	$528,200	0.34%
82	SPDR BLM BARCLAYS HIGH YLD BOND	78468R622	5,180	$507,590	0.33%
83	ISHS CORE MSCI EAFE ETF	46432F842	5,736	$500,813	0.32%
84	CME GROUP INC CL A	CME	1,836	$496,070	0.32%
85	NXP SEMICONDUCTORS NV	NXPI	2,161	$492,124	0.32%
86	Vanguard Tax-Exempt Bond ETF	922907746	9,702	$485,779	0.31%
87	BERKSHIRE HATHAWAY, INC. CL B	BRK-A	911	$457,999	0.29%
88	JPMORGAN GLOBAL SELECT EQUITY ETF	46654Q740	6,732	$456,228	0.29%
89	EXXON MOBIL CORP	XOM	4,001	$451,114	0.29%
90	SPDR S&P INTL SMCP ETF	78463X871	11,171	$448,853	0.29%
91	Vanguard Small-Cap ETF	922908751	1,759	$447,279	0.29%
92	SALESFORCE INC	CRM	1,883	$446,271	0.29%
93	SPDR S&P 400 MDCP ETF	78464A847	7,725	$441,794	0.28%
94	SPDR BLOOMBERG ENCD RL YLD CM ETF	78468R440	15,369	$440,325	0.28%
95	VNGRD REAL EST INDX ETF	922908553	4,616	$421,997	0.27%
96	Vanguard Total Bond Market ETF	921937835	5,588	$415,580	0.27%
97	NETFLIX INC	NFLX	345	$413,627	0.27%
98	JPM BETABLDR INTL EQ ETF	46641Q373	5,799	$406,639	0.26%
99	COMMUNICATION SVCS SELECT SECTOR SPDR	81369Y852	3,388	$401,038	0.26%
100	Vanguard Wellesley Income Admiral	921938205	6,272	$399,078	0.26%
101	PIMCO 0-5Y H/Y CORP ETF	72201R783	4,121	$394,295	0.25%
102	HLTHCR SEL SECT SPDR ETF	81369Y209	2,825	$393,156	0.25%
103	ISHARES RUSSELL MID CAP ETF	464287499	4,054	$391,416	0.25%
104	SPDR BLOOMBERG ENCD RL YLD CM ETF	78468R440	13,515	$387,205	0.25%
105	Vanguard Total Stock Market ETF	922908769	1,178	$386,584	0.25%
106	CONS STPLS SEL SPDR ETF	81369Y308	4,851	$380,174	0.24%
107	ZOETIS, INC.	ZTS	2,564	$375,163	0.24%
108	VERTEX PHARMS INC	VRTX	942	$368,925	0.24%
109	SPDR SSgA Ultra Short Term Bond ETF	78467V707	9,049	$368,204	0.24%
110	Vanguard Tax-Exempt Bond ETF	922907746	7,344	$367,714	0.24%
111	VNGRD REAL EST INDX ETF	922908553	3,767	$344,276	0.22%
112	WILLIAMS COS INC DEL	969457100	5,390	$341,461	0.22%
113	ENTERGY CORP NEW	ENO	3,573	$332,921	0.21%
114	SPDR S&P INTL SMCP ETF	78463X871	7,992	$321,118	0.21%
115	SPDR NUV ICE MUNI BD ETF	78468R721	6,956	$316,985	0.20%
116	ALTRIA GROUP INC	MO	4,691	$309,888	0.20%
117	ROPER TECHNOLOGIES INC	ROP	620	$309,188	0.20%
118	SPDR LONG TERM TREAS ETF	78464A664	11,443	$308,390	0.20%
119	Vanguard S&P 500 ETF	922908363	499	$305,578	0.20%
120	SPDR BLM BARCLAYS HIGH YLD BOND	78468R622	3,069	$300,743	0.19%
121	HCA HEALTHCARE INC	HCA	695	$296,209	0.19%
122	PHILIP MORRIS INTERNATIONAL INC	718172109	1,809	$293,419	0.19%
123	VNGRD ALL WRLD SMCP ETF	922042718	2,016	$287,381	0.19%
124	KLA CORP	KLAC	266	$286,908	0.18%
125	Vanguard Total International Stock ETF	921909768	3,901	$286,567	0.18%
126	VNGRD ALL WRLD SMCP ETF	922042718	1,966	$280,344	0.18%
127	ISHARES TR MSCI EAFE MIN VL	46429B689	3,291	$279,173	0.18%
128	ABBVIE INC	ABBV	1,194	$276,460	0.18%
129	AT&T INC	T-PC	9,741	$275,088	0.18%
130	ELI LILLY & CO	LLY	360	$274,680	0.18%
131	ISHS USA MIN VOL FCT ETF	46429B697	2,874	$273,431	0.18%
132	SPDR S&P 500 ETF Trust	SPY	400	$266,472	0.17%
133	SPDR GOLD TRUST GOLD ETF	GLD	747	$265,509	0.17%
134	VERIZON COMMUNICATIONS, INC.	VZ	5,997	$263,573	0.17%
135	JPM BETABLDR CDA ETF	46641Q225	2,986	$260,471	0.17%
136	SPDR BLM BARCLAYS HIGH YLD BOND	78468R622	2,647	$259,379	0.17%
137	AMER ELEC PWR CO INC	025537101	2,244	$252,457	0.16%
138	VANGUARD SMALL CAP VALUE ETF	922908611	1,206	$251,706	0.16%
139	NVIDIA CORP	NVDA	1,339	$249,830	0.16%
140	CHEVRON CORP	CVX	1,607	$249,552	0.16%
141	DUKE ENERGY CORP	DUKB	2,013	$249,112	0.16%
142	SPDR GOLD TRUST GOLD ETF	GLD	699	$248,474	0.16%
143	INTL PAPER COMPANY	460146103	5,337	$247,637	0.16%
144	O REILLY AUTOMOTIVE INC	67103H107	2,295	$247,425	0.16%
145	PIMCO 0-5Y H/Y CORP ETF	72201R783	2,530	$241,958	0.16%
146	ISHS CORE MSCI E/MKT ETF	46434G103	3,669	$241,860	0.16%
147	CINCINNATI FINL CORP	172062101	1,525	$241,106	0.16%
148	VNGRD US R/EST IDX ETF	922042676	4,978	$237,649	0.15%
149	INTL BUSINESS MACHS CORP	INTR	842	$237,576	0.15%
150	MICROSOFT CORPORATION	MSFT	455	$235,668	0.15%
151	JPM BETABLDR CDA ETF	46641Q225	2,701	$235,605	0.15%
152	ISHARES CORE S&P 500 ETF	464287200	349	$233,587	0.15%
153	BANK AMERICA CORP	060505104	4,525	$233,446	0.15%
154	VNGRD MDCP VAL ETF	922908512	1,333	$232,715	0.15%
155	FIFTH THIRD BANCORP	FITBM	5,175	$230,548	0.15%
156	SPDR AGGREGATE BOND ETF	78464A649	8,884	$229,652	0.15%
157	CITIZENS FINANCIAL GROUP INC	CIA	4,298	$228,481	0.15%
158	Vanguard S&P 500 ETF	922908363	372	$227,805	0.15%
159	PROCTER & GAMBLE CO	742718109	1,473	$226,178	0.15%
160	SPDR LONG TERM TREAS ETF	78464A664	8,314	$224,048	0.14%
161	CITIGROUP INC NEW	C-PR	2,180	$221,274	0.14%
162	U S BANCORP DE NEW	USB-PS	4,471	$216,082	0.14%
163	UNITEDHEALTH GROUP INC	UNH	625	$215,814	0.14%
164	NISOURCE INC	NI	4,974	$215,375	0.14%
165	Vanguard High Dividend Yield ETF	921946406	1,527	$215,231	0.14%
166	SEMPRA	SREA	2,365	$212,798	0.14%
167	VANECK HI YLD MUN ETF	92189H409	4,171	$212,305	0.14%
168	JPMORGAN CHASE & CO	VYLD	672	$211,968	0.14%
169	ISHARES TREASURY FLOATNG RATE BD ETF	46434V860	4,147	$209,797	0.14%
170	ALPHABET INC A	GOOG	850	$206,638	0.13%
171	VNGRD US R/EST IDX ETF	922042676	4,310	$205,721	0.13%
172	FT SENIOR LOAN FD ETF	33738D309	4,483	$205,499	0.13%
173	APPLE INC	AAPL	802	$204,214	0.13%
174	WEC ENERGY GRP, INC.	WEC	1,766	$202,368	0.13%
175	ISHS BRD USD H/Y CRP ETF	46435U853	5,316	$200,840	0.13%
176	COCA COLA COMPANY	KO	2,971	$197,037	0.13%
177	REGIONS FINL CORP NEW	RF-PF	7,410	$195,401	0.13%
178	UPS INC B	UPS	2,300	$192,118	0.12%
179	DTE ENERGY CO	DTK	1,355	$191,637	0.12%
180	VNGRD MDCP GRW ETF	922908538	646	$189,788	0.12%
181	ISHARES TR MSCI EAFE MIN VL	46429B689	2,216	$187,949	0.12%
182	Vanguard Tax-Exempt Bond ETF	922907746	3,747	$187,612	0.12%
183	ISHS USA MIN VOL FCT ETF	46429B697	1,964	$186,739	0.12%
184	NVENT ELECTRIC PLC	NVT	1,880	$185,442	0.12%
185	Value Line Select Growth Fund	VALU	5,186	$184,587	0.12%
186	FIRSTENERGY CORP	FE	4,008	$183,645	0.12%
187	Vanguard Total Stock Market ETF	922908769	549	$180,165	0.12%
188	ISHARES US TREASURY BOND	46429B267	7,785	$179,987	0.12%
189	Vanguard FTSE Developed Markets ETF	921943858	2,979	$178,502	0.11%
190	METLIFE INC	MET-PF	2,139	$176,189	0.11%
191	Vanguard Total International Bond ETF	92203J407	3,520	$174,099	0.11%
192	ISHARES TREASURY FLOATNG RATE BD ETF	46434V860	3,416	$172,819	0.11%
193	VANGUARD SMALL CAP GROWTH ETF	922908595	578	$172,024	0.11%
194	Vanguard S&P 500 ETF	922908363	278	$170,242	0.11%
195	ASML HOLDING NV	ASMLF	175	$169,416	0.11%
196	LOCKHEED MARTIN CORP	LMT	338	$168,731	0.11%
197	ISHS USD INVT GRD BD ETF	464288620	3,226	$168,463	0.11%
198	DOMINION ENERGY INC	D	2,740	$167,607	0.11%
199	PUBLIC SERVICE ENTER GROUP, INC.	744573106	1,990	$166,084	0.11%
200	SPDR BLOOMBG EMG MRK USD BND ETF	78468R515	6,513	$164,082	0.11%
201	SPDR S&P 500 ETF Trust	SPY	246	$163,880	0.11%
202	Vanguard Intl Hi Div Yld Idx ETF	921946794	1,932	$163,602	0.11%
203	GILEAD SCIENCES INC	GILD	1,470	$163,170	0.11%
204	BROADCOM INC	AVGO	493	$162,647	0.10%
205	FIDELITY NATL FINL INC	FNF	2,630	$159,089	0.10%
206	Vanguard S&P 500 ETF	922908363	257	$157,382	0.10%
207	SPDR BLOOMBERG TBILL ETF	78468R663	1,705	$156,441	0.10%
208	QORVO INC	QRVO	1,715	$156,202	0.10%
209	SPDR BLOOMBERG TBILL ETF	78468R663	1,677	$153,867	0.10%
210	Vanguard FTSE Developed Markets ETF	921943858	2,565	$153,695	0.10%
211	VANGUARD TOTAL INT'L BOND ETF	92203J407	3,083	$152,484	0.10%
212	SEAGATE TECH HLDGS PLC	SE	645	$152,259	0.10%
213	Vanguard Growth ETF	922908736	317	$152,036	0.10%
214	iShares Core S&P 500 ETF	464287200	226	$151,262	0.10%
215	SPDR BLOOMBG EMG MRK USD BND ETF	78468R515	5,889	$148,361	0.10%
216	SPDR DOUBL T/RET TAC ETF	78467V848	3,646	$147,917	0.10%
217	VNGRD EXTND MARKET ETF	922908652	706	$147,791	0.10%
218	PEPSICO INC	PEP	1,049	$147,324	0.09%
219	SPDR GOLD MINISHARES	78470P507	1,927	$147,322	0.09%
220	SPDR BLACKSTONE GSO SENIOR LOAN	78467V608	3,540	$147,190	0.09%
221	EVERSOURCE ENERGY	ES	2,022	$143,845	0.09%
222	ISHARES RUSSELL MID CAP VALUE ETF	464287473	1,018	$142,185	0.09%
223	SPDR DEV WORLD EX-US ETF	78463X889	3,278	$140,266	0.09%
224	CSX CORP	CSX	3,917	$139,093	0.09%
225	SPDR BLACKSTONE GSO SENIOR LOAN	78467V608	3,328	$138,378	0.09%
226	AIRBNB INC CL A	ABNB	1,134	$137,693	0.09%
227	INTERPUBLIC GROUP	INTR	4,917	$137,235	0.09%
228	CHUBB LTD	CB	485	$136,893	0.09%
229	SONOCO PRODUCTS CO	835495102	3,145	$135,518	0.09%
230	CRH PLC	CRH	1,124	$134,769	0.09%
231	META PLATFORMS INC A	META	180	$132,190	0.09%
232	Vanguard FTSE Developed Markets ETF	921943858	2,187	$131,045	0.08%
233	SPDR PORT INTER TRM TRSRY ETF	78464A672	4,509	$130,310	0.08%
234	Vanguard Total Bond Market ETF	921937835	1,732	$128,809	0.08%
235	SCHWAB US TIPS ETF	808524870	4,772	$128,607	0.08%
236	VNGRD MDCP GRW ETF	922908538	431	$126,624	0.08%
237	SPDR PORT INTER TRM TRSRY ETF	78464A672	4,363	$126,074	0.08%
238	PFIZER INC	PFE	4,942	$125,920	0.08%
239	XPO INC	XPO	965	$124,745	0.08%
240	VANGUARD MORTGAGE BACKED SEC IDX ETF	92206C771	2,621	$123,081	0.08%
241	ISHS 10 INV GR CORP ETF	464289511	2,379	$122,612	0.08%
242	SPDR AGGREGATE BOND ETF	78464A649	4,729	$122,245	0.08%
243	CHUBB LTD	CB	432	$121,933	0.08%
244	Vanguard Total International Stock ETF	921909768	1,655	$121,576	0.08%
245	Navigator Tactical Fixed Income I	NVGS	12,555	$121,405	0.08%
246	T. Rowe Price Blue Chip Growth I	77954Q403	556	$121,400	0.08%
247	VNGRD MDCP VAL ETF	922908512	695	$121,334	0.08%
248	ISHARES JPMORGAN USD EMERG MARKETS BOND	464288281	1,271	$120,985	0.08%
249	EXXON MOBIL CORP	XOM	1,073	$120,984	0.08%
250	GENERAL ELECTRIC COMPANY	369604301	400	$120,329	0.08%
251	UNUM GROUP	UNMA	1,545	$120,169	0.08%
252	MORGAN STANLEY	MS-PQ	741	$117,792	0.08%
253	EXELON CORPORATION	EXC	2,590	$116,577	0.08%
254	VANGUARD SMALL CAP GROWTH ETF	922908595	389	$115,775	0.07%
255	ISHS IBOX $ H/Y CORP ETF	464288513	1,415	$114,884	0.07%
256	FORD MOTOR CO	345370860	9,600	$114,819	0.07%
257	JOHNSON & JOHNSON	JNJ	612	$113,477	0.07%
258	ISHS BRD USD H/Y CRP ETF	46435U853	2,993	$113,055	0.07%
259	GENERAL MILLS INC	370334104	2,235	$112,690	0.07%
260	AMERN EXPRESS CO	AXP	337	$111,937	0.07%
261	PARKER HANNIFIN CORP	PH	146	$110,688	0.07%
262	TAIWAN SEMICON MFG CO	874039100	395	$110,319	0.07%
263	AMAZON.COM INC	AMZN	500	$109,785	0.07%
264	AUTOMATIC DATA PROCESSING INC	ADP	372	$109,183	0.07%
265	JPMORGAN INTERNATIONAL GROWTH ETF	46641Q324	1,435	$108,114	0.07%
266	IRON MOUNTAIN INC	46284V101	1,060	$108,056	0.07%
267	JPMORGAN INTERNATIONAL VALUE ETF	46654Q757	1,431	$107,897	0.07%
268	SPDR BARCLAYS SHORT TERM HIGH YIELD BOND	78468R408	4,210	$107,775	0.07%
269	Vanguard Value ETF	922908744	576	$107,418	0.07%
270	ISHARES TR MSCI USA MMENTM	46432F396	417	$106,942	0.07%
271	LINDE PLC NEW	LIN	225	$106,875	0.07%
272	ABBVIE INC	ABBV	461	$106,738	0.07%
273	GOLDMAN SACHS GROUP INC	GSCE	134	$106,712	0.07%
274	ISHARES MSCI EMERGING MARKETS AS ETF	464286426	1,117	$102,485	0.07%
275	Vanguard S&P 500 ETF	922908363	167	$102,267	0.07%
276	Vanguard Growth ETF	922908736	211	$101,198	0.07%
277	SCHWAB US TIPS ETF	808524870	3,740	$100,794	0.06%
278	MCKESSON CORP	MCK	130	$100,432	0.06%
279	Vanguard S&P 500 ETF	922908363	164	$100,430	0.06%
280	ANHEUSER BUSCH INBEV	BUDFF	1,680	$100,145	0.06%
281	BANK AMERICA CORP	060505104	1,923	$99,207	0.06%
282	CELESTICA INC	CLS	397	$97,812	0.06%
283	PEPSICO INC	PEP	693	$97,325	0.06%
284	BANCO BILBAO VIZCAYA ADR	BBVXF	5,042	$97,061	0.06%
285	Vanguard FTSE Developed Markets ETF	921943858	1,599	$95,812	0.06%
286	DUKE ENERGY CORP	DUKB	769	$95,166	0.06%
287	ISHS INVSTMNT BD ETF	464287242	852	$94,973	0.06%
288	ANALOG DEVICES INC	ADI	381	$93,612	0.06%
289	VISA INC CL A	V	274	$93,542	0.06%
290	Vanguard FTSE Developed Markets ETF	921943858	1,554	$93,116	0.06%
291	CISCO SYSTEMS INC	CSCO	1,360	$93,053	0.06%
292	PRINCIPAL FINANCIAL GROUP INC	PFG	1,110	$92,029	0.06%
293	FIFTH THIRD BANCORP	FITBM	2,047	$91,193	0.06%
294	PROLOGIS, INC.	PLDGP	794	$90,929	0.06%
295	SPDR GOLD MINISHARES	78470P507	1,167	$89,168	0.06%
296	PULTEGROUP INC	745867101	674	$89,057	0.06%
297	XCEL ENERGY INC	XELLL	1,090	$87,916	0.06%
298	JPMORGAN BETABUILDERS JAPAN ETF	46641Q217	1,324	$87,809	0.06%
299	RAYTHEON TECHNOLOGIES CORP	PEP	524	$87,680	0.06%
300	ELI LILLY & CO	LLY	114	$86,982	0.06%
301	CUMMINS INC	CMI	205	$86,586	0.06%
302	LEIDOS HOLDINGS INC	LDOS	456	$86,166	0.06%
303	INTL BUSINESS MACHS CORP	INTR	305	$86,059	0.06%
304	ASTRAZENECA PLC ADR	AZN	1,119	$85,850	0.06%
305	Vanguard FTSE Developed Markets ETF	921943858	1,422	$85,206	0.05%
306	NIKE INC B	NKE	1,219	$85,001	0.05%
307	STRYKER CORP	SYK	227	$83,915	0.05%
308	SPDR BLOOMBERG 1 10 YR TIPS ETF	78468R861	4,343	$83,778	0.05%
309	GOLD FIELDS LTD ADR NEW	GFIOF	1,988	$83,417	0.05%
310	SOUTHERN COMPANY	SOMN	875	$82,923	0.05%
311	WELLS FARGO & CO NEW	949746101	982	$82,314	0.05%
312	WALT DISNEY CO	254687106	718	$82,212	0.05%
313	AMAZON.COM INC	AMZN	374	$82,120	0.05%
314	MARSH & MCLENNAN COS INC	571748102	402	$81,016	0.05%
315	VALERO ENERGY CORP	VLO	475	$80,875	0.05%
316	COCA COLA COMPANY	KO	1,214	$80,511	0.05%
317	Columbia Total Return Muncpl Inc A	19765L850	6,827	$79,673	0.05%
318	MERCK & COMPANY INC	MRK	948	$79,524	0.05%
319	SCHLUMBERGER LTD	SLB	2,304	$79,188	0.05%
320	STERLING INFRASTRUCTURE INC	STRL	233	$79,145	0.05%
321	TORONTO DOMINION BK	TORO	982	$78,512	0.05%
322	NOVARTIS AG SPON ADR	NVSEF	607	$77,841	0.05%
323	SPDR S/T TREASURY ETF	78468R101	2,654	$77,818	0.05%
324	CATERPILLAR INC	CAT	161	$76,822	0.05%
325	HP INC	HPQ	2,820	$76,791	0.05%
326	Vanguard S&P 500 ETF	922908363	125	$76,548	0.05%
327	WALMART INC	WMT	738	$76,061	0.05%
328	PHILIP MORRIS INTERNATIONAL INC	718172109	460	$74,611	0.05%
329	SPDR DOUBL T/RET TAC ETF	78467V848	1,834	$74,406	0.05%
330	Vanguard Total Stock Market ETF	922908769	224	$73,510	0.05%
331	CIGNA CORP	125523100	253	$72,927	0.05%
332	QORVO INC	QRVO	800	$72,864	0.05%
333	VANGUARD VALUE ETF	922908744	391	$72,824	0.05%
334	MCDONALDS CORP	MCD	239	$72,632	0.05%
335	SPDR S&P 500 GROWTH ETF	78464A409	694	$72,529	0.05%
336	Vanguard Value ETF	922908744	384	$71,612	0.05%
337	SPDR BLOOMBERG BARCLAYS EM LOCAL BD	78464A391	3,335	$71,238	0.05%
338	JANUS HENDERSON GROUP PLC	JHG	1,598	$71,127	0.05%
339	INVSC S P 500 MOMENTUM ETF	IVZ	586	$70,942	0.05%
340	WATSCO INC A	WSO-B	175	$70,755	0.05%
341	Vanguard FTSE Emerging Markets ETF	922042858	1,302	$70,542	0.05%
342	Vanguard Growth ETF	922908736	147	$70,503	0.05%
343	Vanguard Value ETF	922908744	378	$70,493	0.05%
344	TE CONNECTIVITY PLC	TEL	320	$70,251	0.05%
345	ISHS SEL DIV ETF	464287168	494	$70,198	0.05%
346	TRUIST FINANCIAL CORP	89832Q109	1,535	$70,178	0.05%
347	VANGUARD TOTAL BOND MARKET ETF	921937835	936	$69,608	0.04%
348	WILLIAMS COS INC DEL	969457100	1,098	$69,560	0.04%
349	WILLIAMS SONOMA INC	WSM	355	$69,387	0.04%
350	AMGEN INC	AMGN	245	$69,139	0.04%
351	FABRINET	FN	188	$68,549	0.04%
352	AT&T INC	T-PC	2,411	$68,088	0.04%
353	GENPACT LTD	G	1,623	$67,988	0.04%
354	VANGUARD MID CAP ETF	922908629	230	$67,560	0.04%
355	SPDR BLOOMBERG 1 10 YR TIPS ETF	78468R861	3,470	$66,938	0.04%
356	JPMORGAN BETA YIELD CORP BND ETF	46641Q878	1,415	$66,505	0.04%
357	SPDR S&P 1500 COMPOS ETF	78464A805	822	$66,295	0.04%
358	ABBOTT LABORATORIES	ABLZF	492	$65,900	0.04%
359	ISHS 10 INV GR CORP ETF	464289511	1,279	$65,861	0.04%
360	ISHARES JPMORGAN USD EMERG MARKETS BOND	464288281	687	$65,433	0.04%
361	HOME DEPOT INC	HD	161	$65,238	0.04%
362	BANCO SANTANDER S A ADR	BCDRF	6,220	$65,184	0.04%
363	OMNICOM GROUP INC	OMC	798	$65,059	0.04%
364	H&R BLOCK INC	BSQKZ	1,285	$64,984	0.04%
365	Vanguard S&P 500 ETF	922908363	106	$64,912	0.04%
366	INTL BUSINESS MACHS CORP	INTR	227	$64,052	0.04%
367	Vanguard S&P 500 ETF	922908363	104	$63,688	0.04%
368	BROOKFIELD ASSET MNGMT CL A	113004105	1,115	$63,486	0.04%
369	JPMorgan Chase & Co	VYLD	200	$63,086	0.04%
370	SPDR DOW JONES REIT ETF	78464A607	626	$62,782	0.04%
371	SPDR BLOOMBERG BARCLAYS EM LOCAL BD	78464A391	2,932	$62,628	0.04%
372	Vanguard FTSE Developed Markets ETF	921943858	1,044	$62,556	0.04%
373	BLACKROCK FDG INC	BLK	53	$61,793	0.04%
374	Vanguard FTSE Developed Markets ETF	921943858	1,031	$61,778	0.04%
375	VANGUARD MID CAP ETF	922908629	207	$60,799	0.04%
376	SUMITOMO MITSUI FINL	86562M209	3,631	$60,783	0.04%
377	ISHS INVSTMNT BD ETF	464287242	535	$59,770	0.04%
378	Vanguard Total International Bond ETF	92203J407	1,206	$59,649	0.04%
379	Vanguard FTSE Emerging Markets ETF	922042858	1,097	$59,435	0.04%
380	Vanguard Interm-Term Bond ETF	921937819	761	$59,426	0.04%
381	SPDR S/T TREASURY ETF	78468R101	2,014	$59,048	0.04%
382	ROYAL BANK CDA MONTREAL	780087102	397	$58,486	0.04%
383	ALLEGION PUBLIC LTD	ALLE	329	$58,347	0.04%
384	WASTE MANAGEMENT, INC.	94106L109	263	$58,076	0.04%
385	NATL GRID ADR NEW 2017	NMPWP	798	$57,989	0.04%
386	NETAPP INC	NTAP	484	$57,337	0.04%
387	VANGUARD INTERM-TM CORP BD IDX	92206C870	680	$57,198	0.04%
388	COPA HOLDINGS SA CL A	CPA	480	$57,032	0.04%
389	INV NATL AMT FRE MUN ETF	IVZ	2,464	$56,894	0.04%
390	Vanguard Short-Term Bond ETF	921937827	720	$56,815	0.04%
391	Nuveen Core Impact Bond R6	NU	6,230	$56,751	0.04%
392	ISHS INVSTMNT BD ETF	464287242	507	$56,515	0.04%
393	ISHS MSCI CANADA ETF	464286509	1,111	$56,164	0.04%
394	SPDR INTERMED TERM ETF	78464A375	1,651	$55,952	0.04%
395	CARRIER GLOBAL CORP	CARR	937	$55,941	0.04%
396	STONECO LTD A	STNE	2,943	$55,651	0.04%
397	SPDR ICE S/T MUN BD ETF	78468R739	1,140	$54,971	0.04%
398	TOYOTA MOTOR ADR REP 10 CORP	TOYOF	286	$54,652	0.04%
399	Vanguard Total International Stock ETF	921909768	743	$54,581	0.04%
400	AFLAC INC	AFL	486	$54,287	0.03%
401	Vanguard Total International Bond ETF	92203J407	1,096	$54,208	0.03%
402	iShares iBoxx $ Invmt Grade Corp Bd ETF	464287242	483	$53,840	0.03%
403	ROYALTY PHARMA PLC A	RPRX	1,525	$53,804	0.03%
404	CONSTELLATN ENERGY CORP	CEG	163	$53,636	0.03%
405	Norfolk Southern Corp	655844108	178	$53,473	0.03%
406	VERIZON COMMUNICATIONS, INC.	VZ	1,215	$53,400	0.03%
407	CHEVRON CORP	CVX	341	$52,954	0.03%
408	SPDR DOW JONES REIT ETF	78464A607	527	$52,853	0.03%
409	WALT DISNEY CO	254687106	460	$52,674	0.03%
410	NVIDIA Corp	NVDA	280	$52,242	0.03%
411	CHEVRON CORP	CVX	335	$52,022	0.03%
412	STRYKER CORP	SYK	140	$51,753	0.03%
413	ARTHUR J GALLAGHER	363576109	166	$51,416	0.03%
414	SPDR NUV ICE MUNI BD ETF	78468R721	1,114	$50,765	0.03%
415	ENSIGN GROUP INC	ENSG	292	$50,449	0.03%
416	SIMON PPTY GRP INC NEW	828806109	262	$49,169	0.03%
417	ISHARES RUSSELL TOP 200 GROWTH ETF	464289438	179	$48,984	0.03%
418	ISHS MBS ETF	464288588	513	$48,812	0.03%
419	PROGRESSIVE CORP OH	743315103	196	$48,406	0.03%
420	SNOWFLAKE INC	SNOW	214	$48,268	0.03%
421	PAYCHEX INC	PAYX	380	$48,168	0.03%
422	Vanguard FTSE Emerging Markets ETF	922042858	886	$48,003	0.03%
423	AUTOMATIC DATA PROCESSING INC	ADP	163	$47,845	0.03%
424	NICE LTD SPON ADR	NCSYF	329	$47,632	0.03%
425	DANAHER CORP	235851102	240	$47,583	0.03%
426	SPDR S&P 500 ETF Trust	SPY	71	$47,299	0.03%
427	Vanguard FTSE Developed Markets ETF	921943858	783	$46,917	0.03%
428	ISHS NATL MUNI BD ETF	464288414	438	$46,642	0.03%
429	CINTAS CORP	CTAS	227	$46,594	0.03%
430	HERSHEY COMPANY	HSY	249	$46,574	0.03%
431	Procter & Gamble Co	742718109	300	$46,095	0.03%
432	ISHS MSCI CANADA ETF	464286509	899	$45,445	0.03%
433	INTERFACE INC	TILE	1,569	$45,406	0.03%
434	ALIBABA GROUP HOLDING LTD	BBAAY	254	$45,398	0.03%
435	CHENIERE ENERGY INC NEW	LNG	193	$45,353	0.03%
436	VANGUARD SMALL CAP ETF	922908751	175	$44,497	0.03%
437	S&P GLOBAL INC	SPGI	91	$44,289	0.03%
438	PRIMORIS SERVICES CORP	74164F103	321	$44,084	0.03%
439	ONEMAIN HOLDINGS, INC.	OMF	780	$44,039	0.03%
440	SPDR S&P 500 ETF Trust	SPY	66	$43,968	0.03%
441	ALPHABET INC C	GOOG	180	$43,839	0.03%
442	Vanguard Extended Market ETF	922908652	209	$43,752	0.03%
443	ISHARES TOTAL US STOCK MARKET ETF	464287150	299	$43,549	0.03%
444	ISHARES RUSSELL MID CAP GROWTH ETF	464287481	304	$43,292	0.03%
445	ISHS MBS ETF	464288588	453	$43,101	0.03%
446	LAZARD INC	LAZ	815	$43,017	0.03%
447	CHECK POINT SFTWARE TECH	M22465104	204	$42,209	0.03%
448	Equity Residential	EQR	650	$42,075	0.03%
449	PROCTER & GAMBLE CO	742718109	273	$41,946	0.03%
450	COSTCO WHOLESALE CORP	22160K105	45	$41,657	0.03%
451	WINTRUST FINANCIAL CORP	97650W108	312	$41,321	0.03%
452	Bank of America Corporation	060505104	800	$41,272	0.03%
453	STRIDE INC	LRN	277	$41,255	0.03%
454	ACCENTURE PLC IRELD CL A	ACN	166	$40,937	0.03%
455	Navigator Tactical Fixed Income I	NVGS	4,230	$40,900	0.03%
456	CISCO SYSTEMS INC	CSCO	573	$39,206	0.03%
457	Vanguard FTSE Developed Markets ETF	921943858	649	$38,888	0.03%
458	BEST BUY CO., INC.	BBY	510	$38,565	0.02%
459	DORMAN PRODS INC	258278100	244	$38,034	0.02%
460	SPDR INTERMED TERM ETF	78464A375	1,122	$38,022	0.02%
461	ARCH CAPITAL GROUP LTD	G0450A105	418	$37,926	0.02%
462	VANECK HI YLD MUN ETF	92189H409	740	$37,666	0.02%
463	SPDR Nuveen ICE Short Term Muncpl Bd ETF	78468R739	776	$37,419	0.02%
464	Vanguard FTSE Emerging Markets ETF	922042858	690	$37,384	0.02%
465	LIGAND PHARMS INC NEW	LGNZZ	210	$37,199	0.02%
466	SPDR DJ INTL RL EST ETF	78463X863	1,325	$36,849	0.02%
467	VANECK HI YLD MUN ETF	92189H409	720	$36,648	0.02%
468	VANGUARD VALUE ETF	922908744	196	$36,552	0.02%
469	LOGITECH INTL SA	H50430232	329	$36,085	0.02%
470	Vanguard FTSE Developed Markets ETF	921943858	602	$36,072	0.02%
471	OSI SYSTEMS INC	OSIS	144	$35,891	0.02%
472	Franklin MA Tax-Free Income A1	354723207	3,425	$35,656	0.02%
473	Vanguard Total International Bond ETF	92203J407	712	$35,216	0.02%
474	iShares Russell 1000 Growth ETF	464287614	75	$35,131	0.02%
475	SERVICENOW INC	NOW	38	$34,969	0.02%
476	iShares Russell 1000 Value ETF	464287598	171	$34,814	0.02%
477	ACUITY INC	AYI	100	$34,439	0.02%
478	Goldman Sachs JUST U.S. Large Cap Equity ETF	NVGLF	367	$34,424	0.02%
479	VNGRD ALL WRLD SMCP ETF	922042718	241	$34,361	0.02%
480	VANGUARD GROWTH ETF	922908736	72	$34,292	0.02%
481	Fifth Third Bancorp	FITBM	768	$34,214	0.02%
482	iShares Trust iShares USD Green Bond ETF	46435U440	709	$34,123	0.02%
483	Parnassus Core Equity Institutional	701769408	518	$33,978	0.02%
484	iShares Core MSCI Emerging Markets ETF	46434G103	510	$33,619	0.02%
485	NATIONAL FUEL GAS CO	NFG	360	$33,254	0.02%
486	SPDR PORT INTER TRM TRSRY ETF	78464A672	1,144	$33,064	0.02%
487	SPDR SSGA US Sector Rotation ETF	78470P408	554	$33,024	0.02%
488	Vanguard FTSE Emerging Markets ETF	922042858	608	$32,941	0.02%
489	INV NATL AMT FRE MUN ETF	IVZ	1,425	$32,904	0.02%
490	Vanguard Total International Bond ETF	92203J407	664	$32,841	0.02%
491	NETEASE INC SPON ADR	NETTF	216	$32,832	0.02%
492	Vanguard Short-Term Bond ETF	921937827	416	$32,827	0.02%
493	GARMIN LTD	GRMN	133	$32,746	0.02%
494	SPDR SSGA US Sector Rotation ETF	78470P408	549	$32,726	0.02%
495	Vanguard Extended Market ETF	922908652	156	$32,657	0.02%
496	SPDR INTERMED TERM ETF	78464A375	956	$32,396	0.02%
497	CMS ENERGY CORP	CMS-PC	440	$32,234	0.02%
498	ISHS USA MIN VOL FCT ETF	46429B697	335	$31,873	0.02%
499	MAXIMUS INC	MMS	348	$31,797	0.02%
500	ISHS S&P SMCP600 GRW ETF	464287887	224	$31,696	0.02%