13F HOLDINGS REPORT

RICHARDSON FINANCIAL SERVICES INC.

Quarter ended Q4 2025 · Filed January 22, 2026 · Accession 0002012303-26-000001

Total Value

$309.4M

Positions

1,130

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (500)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ABB Ltd	ABLZF	14	$144.7M	47.88%
2	APPLE INC	AAPL	21,778	$5.9M	1.96%
3	ST STR SPDR S&P 500 ETF	78464A854	53,833	$4.3M	1.43%
4	NVIDIA CORP	NVDA	21,090	$3.9M	1.30%
5	ALPHABET INC A	GOOG	10,647	$3.3M	1.10%
6	ST STR SPDR S&P 500 ETF	78464A854	38,332	$3.1M	1.02%
7	MICROSOFT CORPORATION	MSFT	5,950	$2.9M	0.95%
8	VANGUARD VALUE ETF	922908744	13,918	$2.7M	0.88%
9	VANGUARD GROWTH ETF	922908736	4,776	$2.3M	0.77%
10	SPDR DEV WORLD EX-US ETF	78463X889	51,480	$2.3M	0.76%
11	VANGUARD VALUE ETF	922908744	11,646	$2.2M	0.74%
12	VANGUARD GROWTH ETF	922908736	4,182	$2.0M	0.68%
13	Vanguard High Dividend Yield ETF	921946406	1,527	$2.0M	0.65%
14	AMAZON.COM INC	AMZN	8,508	$2.0M	0.65%
15	ISHS IBOX $ H/Y CORP ETF	464288513	22,418	$1.8M	0.60%
16	Vanguard FTSE Emerging Markets ETF	922042858	51	$1.8M	0.58%
17	SPDR EMERG MKTS ETF	78463X509	35,733	$1.7M	0.55%
18	ISHARES 0-5 YEAR HIGH YIELD CORP ETF	46434V407	38,026	$1.6M	0.54%
19	SPDR DEV WORLD EX-US ETF	78463X889	33,919	$1.5M	0.50%
20	JPMORGAN CHASE & CO	VYLD	4,390	$1.4M	0.47%
21	ISHARES CORE MSCI EUROPE ETF	46434V738	19,750	$1.4M	0.46%
22	Vanguard Wellesley Income Admiral	921938205	6,538	$1.4M	0.46%
23	MASTERCARD INC A	MA	2,420	$1.4M	0.46%
24	ISHARES CORE MSCI EUROPE ETF	46434V738	17,786	$1.3M	0.42%
25	APPLE INC	AAPL	4,548	$1.2M	0.41%
26	VANGUARD S&P 500	922908363	1,828	$1.1M	0.38%
27	ISHS CORE MSCI E/MKT ETF	46434G103	16,640	$1.1M	0.37%
28	ISHS IBOX $ H/Y CORP ETF	464288513	13,863	$1.1M	0.37%
29	SPDR EMERG MKTS ETF	78463X509	23,118	$1.1M	0.36%
30	VNGRD MEGA CAP GRWTH ETF	921910816	2,586	$1.1M	0.35%
31	ISHS CORE UNVL USD ETF	46434V613	22,410	$1.0M	0.35%
32	SPDR S&P 500 ETF	SPY	1,469	$1.0M	0.33%
33	T-MOBILE US, INC.	TMUSZ	4,869	$988,612	0.33%
34	HOME DEPOT INC	HD	2,870	$987,634	0.33%
35	TESLA INC	TSLA	2,182	$981,289	0.32%
36	Vanguard S&P 500 ETF	922908363	133	$974,560	0.32%
37	MCDONALDS CORP	MCD	3,144	$960,956	0.32%
38	ISHS CORE MSCI E/MKT ETF	46434G103	14,103	$947,930	0.31%
39	JPMORGAN BETABUILDERS US EQY ETF	46641Q399	7,636	$941,594	0.31%
40	INTUITIVE SURGICAL NEW	ISRG	1,646	$932,231	0.31%
41	META PLATFORMS INC A	META	1,384	$913,579	0.30%
42	BROADCOM INC	AVGO	2,623	$907,862	0.30%
43	CINTAS CORP	CTAS	4,802	$903,120	0.30%
44	COSTCO WHOLESALE CORP	22160K105	1,015	$875,278	0.29%
45	THERMO FISHER SCIENTIFIC	TMO	1,494	$865,702	0.29%
46	VANGUARD SMALL CAP GROWTH ETF	922908595	2,785	$841,377	0.28%
47	ST STR SPDR S&P 600 ETF	78468R853	17,825	$835,289	0.28%
48	WALMART INC	WMT	7,399	$824,324	0.27%
49	ADVANCED MICRO DEVICES	AMD	3,750	$803,101	0.27%
50	TRANE TECHNOLOGIES PLC	TT	2,048	$797,082	0.26%
51	TJX COS INC NEW	872540109	5,050	$775,753	0.26%
52	ISHARES CORE MSCI PACIFIC ETF	46434V696	10,414	$762,406	0.25%
53	ST STR SPDR S&P 500 ETF	78464A854	9,285	$744,842	0.25%
54	VANGUARD SMALL CAP ETF	922908751	2,864	$738,770	0.24%
55	VANGUARD SMALL CAP GROWTH ETF	922908595	2,439	$737,212	0.24%
56	VANGUARD SMALL CAP VALUE ETF	922908611	3,306	$700,176	0.23%
57	SYNOPSYS INC	SNPS	1,478	$694,248	0.23%
58	NEXTERA ENERGY INC	NEE-PW	8,505	$682,813	0.23%
59	CAPITAL ONE FINL CORP	14040H105	2,812	$681,542	0.23%
60	ST STR BLACKSTONE LN ETF	78467V608	16,398	$676,740	0.22%
61	ISHS RUSS 2000 INDX ETF	464287655	2,725	$670,905	0.22%
62	VNGRD MEGA CAP VAL ETF	921910840	4,627	$653,146	0.22%
63	ST STR SPDR S&P 400 ETF	78464A847	11,120	$643,951	0.21%
64	VANGUARD SMALL CAP VALUE ETF	922908611	2,985	$632,070	0.21%
65	ISHARES JPMORGAN USD EMERG MARKETS BOND	464288281	6,506	$626,438	0.21%
66	Vanguard Growth ETF	922908736	317	$609,370	0.20%
67	ELI LILLY & CO	LLY	566	$608,284	0.20%
68	ISHARES CORE S&P MID CAP ETF	464287507	9,203	$607,398	0.20%
69	ISHARES CORE MSCI PACIFIC ETF	46434V696	8,102	$593,190	0.20%
70	COMMUNICATION SVCS SELECT SECTOR SPDR	81369Y852	4,918	$578,943	0.19%
71	ISHARES RUSSELL MID CAP ETF	464287499	6,000	$577,604	0.19%
72	CONS STPLS SEL SPDR ETF	81369Y308	7,329	$569,316	0.19%
73	TECH SEL SECT SPDR ETF	81369Y803	3,907	$562,495	0.19%
74	AMER WATER WORKS COMPANY	030420103	4,280	$558,548	0.18%
75	SALESFORCE INC	CRM	2,108	$558,431	0.18%
76	BERKSHIRE HATHAWAY, INC. CL B	BRK-A	1,109	$557,444	0.18%
77	ST STR SPDR S&P 600 ETF	78468R853	11,684	$547,510	0.18%
78	NORTHROP GRUMMAN CORP	NOC	938	$534,848	0.18%
79	ISHS CORE MSCI EAFE ETF	46432F842	5,885	$526,473	0.17%
80	EOG RESOURCES INC	EOG	4,893	$513,843	0.17%
81	PALO ALTO NETWORKS INC	PANW	2,773	$510,603	0.17%
82	ST STR BLMBRG H/Y ETF	78468R622	5,201	$505,589	0.17%
83	LINDE PLC NEW	LIN	1,179	$502,760	0.17%
84	CME GROUP INC CL A	CME	1,831	$500,010	0.17%
85	Vanguard Total Bond Market ETF	921937835	86	$487,914	0.16%
86	ST STR SPDR LNG TERM ETF	78464A664	17,866	$472,896	0.16%
87	SPDR S&P INTL SMCP ETF	78463X871	11,245	$459,478	0.15%
88	Vanguard Small-Cap Growth ETF	922908595	50	$453,734	0.15%
89	JPM BETABLDR INTL EQ ETF	46641Q373	6,269	$453,329	0.15%
90	VISA INC CL A	V	1,246	$436,989	0.14%
91	VERTEX PHARMS INC	VRTX	952	$431,599	0.14%
92	EQUINIX, INC.	EQIX	552	$422,966	0.14%
93	Vanguard Total International Bond ETF	92203J407	150	$413,903	0.14%
94	ST STR SPDR S&P 400 ETF	78464A847	7,081	$410,060	0.14%
95	VNGRD REAL EST INDX ETF	922908553	4,601	$407,141	0.13%
96	Veralto Corp	VLTO	1	$403,058	0.13%
97	JPMORGAN GLOBAL SELECT EQUITY ETF	46654Q740	5,854	$396,140	0.13%
98	Vanguard Value ETF	922908744	576	$394,948	0.13%
99	ORACLE CORP	ORCL-PD	1,989	$387,687	0.13%
100	CITIGROUP INC NEW	C-PR	3,295	$384,523	0.13%
101	ST STR SPDR LNG TERM ETF	78464A664	14,388	$380,850	0.13%
102	PIMCO 0-5Y H/Y CORP ETF	72201R783	3,868	$366,762	0.12%
103	SPDR SSGA US Sector Rotation ETF	78470P408	386	$366,530	0.12%
104	NETFLIX INC	NFLX	3,874	$363,228	0.12%
105	KLA CORP	KLAC	296	$359,675	0.12%
106	VNGRD REAL EST INDX ETF	922908553	3,887	$343,851	0.11%
107	SPDR BLOOMBERG ENCD RL YLD CM ETF	78468R440	12,021	$343,209	0.11%
108	ALPHABET INC A	GOOG	1,088	$340,544	0.11%
109	ENTERGY CORP NEW	ENO	3,573	$330,209	0.11%
110	ST STR NUV ICE MUNI ETF	78468R721	7,169	$327,695	0.11%
111	Vanguard Tax-Exempt Bond ETF	922907746	3,747	$318,235	0.11%
112	PHILIP MORRIS INTERNATIONAL INC	718172109	1,954	$313,475	0.10%
113	NVIDIA CORP	NVDA	1,678	$312,955	0.10%
114	Vanguard S&P 500 ETF	922908363	249	$312,938	0.10%
115	HCA HEALTHCARE INC	HCA	665	$310,465	0.10%
116	ALTRIA GROUP INC	MO	5,356	$308,828	0.10%
117	PARKER HANNIFIN CORP	PH	350	$307,635	0.10%
118	WILLIAMS COS INC DEL	969457100	5,090	$305,961	0.10%
119	COMMUNICATION SVCS SELECT SECTOR SPDR	81369Y852	2,587	$304,544	0.10%
120	CONS STPLS SEL SPDR ETF	81369Y308	3,858	$299,689	0.10%
121	SPDR S&P INTL SMCP ETF	78463X871	7,299	$298,236	0.10%
122	QUANTA SERVICES INC	74762E102	706	$297,975	0.10%
123	Vanguard Total Stock Market ETF	922908769	52	$294,291	0.10%
124	TECH SEL SECT SPDR ETF	81369Y803	2,008	$289,094	0.10%
125	PFIZER INC	PFE	11,329	$282,114	0.09%
126	ABBVIE INC	ABBV	1,194	$272,820	0.09%
127	SPDR S&P 500 ETF Trust	SPY	246	$272,768	0.09%
128	SPDR GOLD TRUST GOLD ETF	GLD	676	$267,904	0.09%
129	BANK AMERICA CORP	060505104	4,855	$267,031	0.09%
130	FRANKLIN FTSE CHINA ETF	FGDL	11,191	$266,347	0.09%
131	APPLE INC	AAPL	972	$264,247	0.09%
132	MICROSOFT CORPORATION	MSFT	546	$264,053	0.09%
133	ISHARES CORE S&P 500 ETF	464287200	383	$262,334	0.09%
134	VERIZON COMMUNICATIONS, INC.	VZ	6,408	$261,000	0.09%
135	VANGUARD SMALL CAP VALUE ETF	922908611	1,218	$257,959	0.09%
136	COCA COLA COMPANY	KO	3,687	$257,729	0.09%
137	JPM BETABLDR CDA ETF	46641Q225	2,767	$257,331	0.09%
138	FORD MOTOR CO	345370860	19,600	$257,155	0.09%
139	CHEVRON CORP	CVX	1,661	$253,267	0.08%
140	AMER ELEC PWR CO INC	025537101	2,194	$252,990	0.08%
141	INTL BUSINESS MACHS CORP	INTR	852	$252,393	0.08%
142	ISHS CORE MSCI E/MKT ETF	46434G103	3,744	$251,676	0.08%
143	U S BANCORP DE NEW	USB-PS	4,611	$246,044	0.08%
144	AT&T INC	T-PC	9,896	$245,817	0.08%
145	CITIZENS FINANCIAL GROUP INC	CIA	4,183	$244,327	0.08%
146	CINCINNATI FINL CORP	172062101	1,475	$240,895	0.08%
147	SPDR BLOOMBERG ENCD RL YLD CM ETF	78468R440	8,427	$240,593	0.08%
148	VNGRD MDCP VAL ETF	922908512	1,348	$239,095	0.08%
149	CHUBB LTD	CB	760	$237,211	0.08%
150	PROCTER & GAMBLE CO	742718109	1,648	$236,058	0.08%
151	VNGRD ALL WRLD SMCP ETF	922042718	1,643	$235,492	0.08%
152	ST STR AGGREGATE BD ETF	78464A649	9,120	$234,841	0.08%
153	ISHS USA MIN VOL FCT ETF	46429B697	2,488	$234,269	0.08%
154	Vanguard S&P 500 ETF	922908363	172	$233,292	0.08%
155	JPMORGAN CHASE & CO	VYLD	716	$230,709	0.08%
156	JPM BETABLDR CDA ETF	46641Q225	2,462	$228,966	0.08%
157	VNGRD ALL WRLD SMCP ETF	922042718	1,597	$228,955	0.08%
158	DUKE ENERGY CORP	DUKB	1,953	$228,910	0.08%
159	PIMCO 0-5Y H/Y CORP ETF	72201R783	2,407	$228,118	0.08%
160	FRANKLIN FTSE CHINA ETF	FGDL	9,530	$226,814	0.08%
161	ISHARES TR MSCI EAFE MIN VL	46429B689	2,617	$225,725	0.07%
162	ISHS BRD USD H/Y CRP ETF	46435U853	5,983	$223,733	0.07%
163	INTUIT INC	INTU	336	$222,574	0.07%
164	UNITEDHEALTH GROUP INC	UNH	670	$221,184	0.07%
165	SPDR DEV WORLD EX-US ETF	78463X889	4,960	$220,274	0.07%
166	Vanguard Interm-Term Bond ETF	921937819	44	$219,155	0.07%
167	VNGRD US R/EST IDX ETF	922042676	4,756	$218,013	0.07%
168	SEMPRA	SREA	2,435	$215,014	0.07%
169	O REILLY AUTOMOTIVE INC	67103H107	2,330	$212,520	0.07%
170	DOMINION ENERGY INC	D	3,605	$211,216	0.07%
171	BNDBLOXX JPM USD EMR MK 1 10 YR ETF	09789C879	4,673	$208,323	0.07%
172	VANGUARD SMALL CAP GROWTH ETF	922908595	688	$207,851	0.07%
173	FT SENIOR LOAN FD ETF	33738D309	4,483	$205,680	0.07%
174	ST STR AGGREGATE BD ETF	78464A649	7,954	$204,818	0.07%
175	SPDR GOLD TRUST GOLD ETF	GLD	516	$204,496	0.07%
176	VANECK HI YLD MUN ETF	92189H409	3,971	$202,996	0.07%
177	iShares iBoxx $ Invmt Grade Corp Bd ETF	464287242	421	$201,372	0.07%
178	ST STR DOUBLE T/RET ETF	78467V848	4,880	$196,425	0.07%
179	ST STR SPDR LNG TERM ETF	78464A664	7,415	$196,272	0.06%
180	ISHARES TREASURY FLOATNG RATE BD ETF	46434V860	3,880	$195,784	0.06%
181	NVENT ELECTRIC PLC	NVT	1,894	$193,132	0.06%
182	REGIONS FINL CORP NEW	RF-PF	7,110	$192,681	0.06%
183	NISOURCE INC	NI	4,604	$192,263	0.06%
184	VNGRD US R/EST IDX ETF	922042676	4,182	$191,671	0.06%
185	Vanguard Tax-Exempt Bond ETF	922907746	9,702	$188,437	0.06%
186	ASML HOLDING NV	ASMLF	175	$187,226	0.06%
187	Vanguard FTSE Developed Markets ETF	921943858	1,384	$186,098	0.06%
188	ADOBE INC	ADBE	530	$185,495	0.06%
189	Vanguard Total Stock Market ETF	922908769	224	$184,063	0.06%
190	VNGRD MDCP GRW ETF	922908538	655	$182,835	0.06%
191	ARISTA NETWORKS INC	ANET	1,390	$182,135	0.06%
192	BROADCOM INC	AVGO	526	$182,049	0.06%
193	WEC ENERGY GRP, INC.	WEC	1,726	$182,024	0.06%
194	ISHARES US TREASURY BOND	46429B267	7,808	$179,779	0.06%
195	EVERSOURCE ENERGY	ES	2,662	$179,235	0.06%
196	FIRSTENERGY CORP	FE	3,998	$178,991	0.06%
197	VanEck High Yield Muni ETF	92189H409	223	$176,202	0.06%
198	ONEMAIN HOLDINGS, INC.	OMF	2,590	$174,958	0.06%
199	SEAGATE TECH HLDGS PLC	SE	635	$174,877	0.06%
200	GILEAD SCIENCES INC	GILD	1,420	$174,290	0.06%
201	Vanguard Long-Term Bond ETF	921937793	48	$173,880	0.06%
202	QORVO INC	QRVO	2,055	$173,668	0.06%
203	Vanguard Short-Term Bond ETF	921937827	81	$173,088	0.06%
204	CRH PLC	CRH	1,383	$172,598	0.06%
205	CATERPILLAR INC	CAT	301	$172,481	0.06%
206	Vanguard Total International Stock ETF	921909768	49	$170,086	0.06%
207	DTE ENERGY CO	DTK	1,315	$169,608	0.06%
208	ST STRET SPDR BLMBG EMG MRKT USD ETF	78468R515	6,635	$168,925	0.06%
209	SPDR S&P International Small Cap ETF	78463X871	72	$167,752	0.06%
210	ISHS USD INVT GRD BD ETF	464288620	3,233	$167,372	0.06%
211	METLIFE INC	MET-PF	2,109	$166,487	0.06%
212	ISHS USA MIN VOL FCT ETF	46429B697	1,764	$165,986	0.05%
213	ISHARES TR MSCI EAFE MIN VL	46429B689	1,922	$165,753	0.05%
214	GENERAL MILLS INC	370334104	3,535	$164,383	0.05%
215	VANGUARD VALUE ETF	922908744	857	$163,583	0.05%
216	CISCO SYSTEMS INC	CSCO	2,123	$163,534	0.05%
217	ISHARES TREASURY FLOATNG RATE BD ETF	46434V860	3,215	$162,231	0.05%
218	Vanguard FTSE Developed Markets ETF	921943858	1,044	$160,236	0.05%
219	JOHNSON & JOHNSON	JNJ	771	$159,555	0.05%
220	SLB LTD	SLB	4,109	$157,705	0.05%
221	Vanguard S&P 500 ETF	922908363	167	$156,155	0.05%
222	Vanguard Growth ETF	922908736	147	$154,652	0.05%
223	AIRBNB INC CL A	ABNB	1,134	$153,906	0.05%
224	LOCKHEED MARTIN CORP	LMT	318	$153,804	0.05%
225	VNGRD EXTND MARKET ETF	922908652	733	$153,282	0.05%
226	ST STR BLACKSTONE LN ETF	78467V608	3,689	$152,249	0.05%
227	SPDR GOLD MINISHARES	GLDW	1,744	$148,884	0.05%
228	PEPSICO INC	PEP	1,029	$147,678	0.05%
229	PUBLIC SERVICE ENTER GROUP, INC.	744573106	1,810	$145,344	0.05%
230	MORGAN STANLEY	MS-PQ	817	$145,040	0.05%
231	VANGUARD TOTAL INT'L BOND ETF	92203J407	2,999	$144,911	0.05%
232	CSX CORP	CSX	3,977	$144,177	0.05%
233	ST STRT SPDR PRTFL INTDT TM TSRY ETF	78464A672	4,979	$143,593	0.05%
234	ISHARES RUSSELL MID CAP VALUE ETF	464287473	1,018	$143,589	0.05%
235	CHUBB LTD	CB	460	$143,575	0.05%
236	MERCK & COMPANY INC	MRK	1,355	$142,574	0.05%
237	PROLOGIS, INC.	PLDGP	1,115	$142,341	0.05%
238	PARKER HANNIFIN CORP	PH	161	$141,515	0.05%
239	AMERN EXPRESS CO	AXP	379	$140,218	0.05%
240	FIDELITY NATL FINL INC	FNF	2,560	$139,750	0.05%
241	GENERAL ELECTRIC COMPANY	369604301	450	$138,611	0.05%
242	EXELON CORPORATION	EXC	3,160	$137,745	0.05%
243	ELI LILLY & CO	LLY	128	$137,557	0.05%
244	Vanguard FTSE Developed Markets ETF	921943858	1,031	$136,622	0.05%
245	INTEL CORP	INTC	3,701	$136,570	0.05%
246	META PLATFORMS INC A	META	206	$135,977	0.05%
247	TAIWAN SEMICON MFG CO	874039100	447	$135,841	0.04%
248	ST STRT SPDR PRTFL INTDT TM TSRY ETF	78464A672	4,677	$134,868	0.04%
249	JPMORGAN INTERNATIONAL VALUE ETF	46654Q757	1,679	$134,789	0.04%
250	BANCO BILBAO VIZCAYA ADR	BBVXF	5,666	$132,074	0.04%
251	ISHS BRD USD H/Y CRP ETF	46435U853	3,525	$131,798	0.04%
252	KIMBERLY CLARK CORP	KMB	1,300	$131,159	0.04%
253	XPO INC	XPO	965	$131,153	0.04%
254	GOLDMAN SACHS GROUP INC	GSCE	149	$130,971	0.04%
255	ANALOG DEVICES INC	ADI	481	$130,447	0.04%
256	OMNICOM GROUP INC	OMC	1,610	$130,011	0.04%
257	Vanguard Total Bond Market ETF	921937835	5,588	$128,289	0.04%
258	UPS INC B	UPS	1,285	$127,478	0.04%
259	ST STRET SPDR BLMBG EMG MRKT USD ETF	78468R515	4,991	$127,068	0.04%
260	ACCENTURE PLC IRELD CL A	ACN	473	$126,912	0.04%
261	Vanguard Total International Stock ETF	921909768	743	$124,853	0.04%
262	JPMORGAN U S TECH LEADERS ETF	46654Q732	1,385	$124,749	0.04%
263	VANGUARD MORTGAGE BACKED SEC IDX ETF	92206C771	2,627	$123,679	0.04%
264	BNDBLOXX JPM USD EMR MK 1 10 YR ETF	09789C879	2,772	$123,577	0.04%
265	VNGRD MDCP VAL ETF	922908512	695	$123,271	0.04%
266	Nestle SA ADR	641069406	10	$123,134	0.04%
267	CISCO SYSTEMS INC	CSCO	1,589	$122,400	0.04%
268	VNGRD MDCP GRW ETF	922908538	431	$120,309	0.04%
269	EXXON MOBIL CORP	XOM	999	$120,218	0.04%
270	CUMMINS INC	CMI	233	$118,935	0.04%
271	ISHS IBOX $ H/Y CORP ETF	464288513	1,475	$118,929	0.04%
272	BANK AMERICA CORP	060505104	2,160	$118,800	0.04%
273	VANGUARD SMALL CAP GROWTH ETF	922908595	393	$118,730	0.04%
274	ISHS 10 INV GR CORP ETF	464289511	2,352	$118,655	0.04%
275	ST STR BLACKSTONE LN ETF	78467V608	2,872	$118,528	0.04%
276	Taiwan Semiconductor Manufacturing Co Ltd	874039100	8	$117,863	0.04%
277	UNUM GROUP	UNMA	1,495	$115,864	0.04%
278	ASTRAZENECA PLC ADR	AZN	1,257	$115,555	0.04%
279	AMAZON.COM INC	AMZN	500	$115,410	0.04%
280	AMAZON.COM INC	AMZN	490	$113,102	0.04%
281	SCHWAB US TIPS ETF	808524870	4,200	$111,258	0.04%
282	ABBVIE INC	ABBV	485	$110,816	0.04%
283	Vanguard Value ETF	922908744	378	$110,010	0.04%
284	NIKE INC B	NKE	1,704	$108,563	0.04%
285	JPMORGAN INTERNATIONAL GROWTH ETF	46641Q324	1,476	$108,244	0.04%
286	RAYTHEON TECHNOLOGIES CORP	RTX	590	$108,207	0.04%
287	LINDE PLC NEW	LIN	253	$107,876	0.04%
288	Vanguard S&P 500 ETF	922908363	104	$107,866	0.04%
289	ST STR BLMBRG H/Y ETF	78468R622	1,108	$107,698	0.04%
290	ANHEUSER BUSCH INBEV	BUDFF	1,680	$107,586	0.04%
291	ST STR BLMBRG S/T ETF	78468R408	4,223	$106,928	0.04%
292	ISHARES TR MSCI USA MMENTM	46432F396	422	$105,632	0.03%
293	DANAHER CORP	235851102	460	$105,302	0.03%
294	ISHS INVSTMNT BD ETF	464287242	955	$105,233	0.03%
295	ISHARES MSCI EMERGING MARKETS AS ETF	464286426	1,117	$105,020	0.03%
296	Vanguard S&P 500 ETF	922908363	276	$104,731	0.03%
297	TORONTO DOMINION BK	TORO	1,104	$103,996	0.03%
298	WELLS FARGO & CO NEW	949746101	1,106	$103,078	0.03%
299	Vanguard Growth ETF	922908736	4,031	$102,938	0.03%
300	SMURFIT WESTROCK PLC	SW	2,650	$102,479	0.03%
301	IRON MOUNTAIN INC	46284V101	1,230	$102,031	0.03%
302	TRUIST FINANCIAL CORP	89832Q109	2,065	$101,618	0.03%
303	WILLIAMS COS INC DEL	969457100	1,686	$101,346	0.03%
304	DUKE ENERGY CORP	DUKB	863	$101,153	0.03%
305	XCEL ENERGY INC	XELLL	1,360	$100,449	0.03%
306	PEPSICO INC	PEP	693	$99,459	0.03%
307	AUTOMATIC DATA PROCESSING INC	ADP	382	$98,261	0.03%
308	FIFTH THIRD BANCORP	FITBM	2,095	$98,066	0.03%
309	PRINCIPAL FINANCIAL GROUP INC	PFG	1,110	$97,912	0.03%
310	ST STR DOUBLE T/RET ETF	78467V848	2,422	$97,488	0.03%
311	Vanguard FTSE Developed Markets ETF	921943858	28,055	$97,078	0.03%
312	MEDTRONIC PLC	MDT	1,010	$97,019	0.03%
313	Vanguard FTSE Developed Markets ETF	921943858	1,554	$96,454	0.03%
314	FABRINET	FN	211	$96,065	0.03%
315	STRYKER CORP	SYK	272	$95,597	0.03%
316	MCKESSON CORP	MCK	116	$95,157	0.03%
317	OMNICOM GROUP INC	OMC	1,155	$93,269	0.03%
318	LEIDOS HOLDINGS INC	LDOS	517	$93,266	0.03%
319	COCA COLA COMPANY	KO	1,331	$93,051	0.03%
320	WALMART INC	WMT	830	$92,470	0.03%
321	VANGUARD GROWTH ETF	922908736	187	$90,986	0.03%
322	WASTE MANAGEMENT, INC.	94106L109	412	$90,519	0.03%
323	INTL BUSINESS MACHS CORP	INTR	305	$90,344	0.03%
324	SPDR GOLD MINISHARES	GLDW	1,045	$89,159	0.03%
325	TOYOTA MOTOR ADR REP 10 CORP	TOYOF	406	$86,910	0.03%
326	SCHWAB US TIPS ETF	808524870	3,274	$86,726	0.03%
327	SPDR EMERG MKTS ETF	78463X509	1,850	$86,598	0.03%
328	Vanguard FTSE Developed Markets ETF	921943858	2,565	$86,458	0.03%
329	SOUTHERN COMPANY	SOMN	986	$85,976	0.03%
330	ST SRT SPDR BMBG 1 10 YR TP ETF	78468R861	4,501	$85,878	0.03%
331	GENPACT LTD	G	1,823	$85,280	0.03%
332	VALERO ENERGY CORP	VLO	515	$83,840	0.03%
333	AMGEN INC	AMGN	255	$83,489	0.03%
334	Vanguard S&P 500 ETF	922908363	105	$83,408	0.03%
335	TE CONNECTIVITY PLC	TEL	360	$81,906	0.03%
336	BANCO SANTANDER S A ADR	BCDRF	6,982	$81,900	0.03%
337	WALT DISNEY CO	254687106	718	$81,687	0.03%
338	CBOE GLOBAL MARKETS INC	12503M108	325	$81,575	0.03%
339	Comcast Corp Class A	CCZ	16	$80,746	0.03%
340	MCDONALDS CORP	MCD	264	$80,688	0.03%
341	INTL BUSINESS MACHS CORP	INTR	272	$80,569	0.03%
342	EDISON INTL	281020107	1,330	$79,827	0.03%
343	AMEREN CORP	AEE	798	$79,689	0.03%
344	SUMITOMO MITSUI FINL	86562M209	4,042	$78,129	0.03%
345	ST STR S&P 500 GRWTH ETF	78464A409	730	$77,892	0.03%
346	VISA INC CL A	V	219	$76,805	0.03%
347	ZOETIS, INC.	ZTS	610	$76,751	0.03%
348	ROYAL BANK CDA MONTREAL	780087102	446	$76,039	0.03%
349	STRYKER CORP	SYK	215	$75,573	0.03%
350	Vanguard Total Stock Market ETF	922908769	1,178	$75,100	0.02%
351	MARSH & MCLENNAN COS INC	571748102	402	$74,578	0.02%
352	Vanguard Value ETF	922908744	7,325	$73,340	0.02%
353	STERLING INFRASTRUCTURE INC	STRL	238	$72,884	0.02%
354	PROGRESSIVE CORP OH	743315103	319	$72,644	0.02%
355	UNITEDHEALTH GROUP INC	UNH	220	$72,622	0.02%
356	Vanguard Value ETF	922908744	384	$72,194	0.02%
357	SPDR BLOOMBERG BARCLAYS EM LOCAL BD	78464A391	3,374	$72,099	0.02%
358	Vanguard Growth ETF	922908736	211	$71,715	0.02%
359	WILLIAMS SONOMA INC	WSM	401	$71,617	0.02%
360	JPMORGAN BETA YIELD CORP BND ETF	46641Q878	1,526	$70,968	0.02%
361	Navigator Tactical Fixed Income I	NVGS	12,747	$70,460	0.02%
362	Vanguard FTSE Emerging Markets ETF	922042858	608	$69,996	0.02%
363	ISHS SEL DIV ETF	464287168	494	$69,724	0.02%
364	NATL GRID ADR NEW 2017	NMPWP	895	$69,228	0.02%
365	BOEING COMPANY	BA-PA	317	$68,827	0.02%
366	ABBOTT LABORATORIES	ABLZF	549	$68,784	0.02%
367	PHILIP MORRIS INTERNATIONAL INC	718172109	427	$68,491	0.02%
368	ST STR SPDR 1500 COM ETF	78464A805	826	$68,149	0.02%
369	ARCH CAPITAL GROUP LTD	G0450A105	706	$67,719	0.02%
370	VANGUARD TOTAL BOND MARKET ETF	921937835	910	$67,403	0.02%
371	AT&T INC	T-PC	2,703	$67,147	0.02%
372	VANGUARD MID CAP ETF	922908629	230	$66,751	0.02%
373	LOGITECH INTL SA	H50430232	663	$66,445	0.02%
374	ROYALTY PHARMA PLC A	RPRX	1,713	$66,191	0.02%
375	Vanguard S&P 500 ETF	922908363	372	$65,849	0.02%
376	ISHS 10 INV GR CORP ETF	464289511	1,302	$65,627	0.02%
377	ONEOK INC	OKE	890	$65,415	0.02%
378	Vanguard S&P 500 ETF	922908363	499	$65,222	0.02%
379	Vanguard FTSE Developed Markets ETF	921943858	1,544	$65,219	0.02%
380	CELESTICA INC	CLS	220	$65,033	0.02%
381	CONSTELLATN ENERGY CORP	CEG	184	$65,005	0.02%
382	ISHARES CORE MSCI EUROPE ETF	46434V738	914	$64,876	0.02%
383	ISHS INVSTMNT BD ETF	464287242	587	$64,809	0.02%
384	COPA HOLDINGS SA CL A	CPA	537	$64,769	0.02%
385	FIFTH THIRD BANCORP	FITBM	1,377	$64,456	0.02%
386	JPMorgan Mortgage-Backed Securities ETF	46654Q575	106	$64,444	0.02%
387	Vanguard FTSE Developed Markets ETF	921943858	649	$64,407	0.02%
388	ST STR SPDR S/T TREA ETF	78468R101	2,173	$63,627	0.02%
389	VANGUARD MID CAP ETF	922908629	216	$62,681	0.02%
390	ROPER TECHNOLOGIES INC	ROP	140	$62,319	0.02%
391	ISHS MSCI CANADA ETF	464286509	1,137	$61,322	0.02%
392	HOME DEPOT INC	HD	177	$60,905	0.02%
393	AFLAC INC	AFL	547	$60,318	0.02%
394	ENSIGN GROUP INC	ENSG	346	$60,274	0.02%
395	DANAHER CORP	235851102	261	$59,751	0.02%
396	ALLEGION PUBLIC LTD	ALLE	374	$59,549	0.02%
397	Vanguard Interm-Term Bond ETF	921937819	139	$59,267	0.02%
398	ST STR SPDR ICE S/T ETF	78468R739	1,232	$59,124	0.02%
399	ACCENTURE PLC IRELD CL A	ACN	220	$59,026	0.02%
400	Vanguard FTSE Emerging Markets ETF	922042858	444	$58,975	0.02%
401	BLACKROCK FDG INC	BLK	55	$58,867	0.02%
402	WALT DISNEY CO	254687106	516	$58,703	0.02%
403	Vanguard Total International Bond ETF	92203J407	3,520	$58,274	0.02%
404	NOVARTIS AG SPON ADR	NVSEF	422	$58,183	0.02%
405	Nuveen Green Bond R6	NU	128	$57,371	0.02%
406	GOLD FIELDS LTD ADR NEW	GFIOF	1,313	$57,326	0.02%
407	INV NATL AMT FRE MUN ETF	IVZ	2,464	$57,140	0.02%
408	CHEVRON CORP	CVX	374	$57,000	0.02%
409	WHIRLPOOL CORP	WHR-PA	790	$56,992	0.02%
410	Vanguard Small-Cap ETF	922908751	118	$56,743	0.02%
411	SPDR BLOOMBERG BARCLAYS EM LOCAL BD	78464A391	2,654	$56,717	0.02%
412	ST STR SPDR INTERMED ETF	78464A375	1,662	$56,192	0.02%
413	Vanguard Total International Stock ETF	921909768	3,901	$56,052	0.02%
414	VERIZON COMMUNICATIONS, INC.	VZ	1,367	$55,677	0.02%
415	WATSCO INC A	WSO-B	165	$55,603	0.02%
416	VANGUARD INTERM-TM CORP BD IDX	92206C870	658	$55,112	0.02%
417	SIMON PPTY GRP INC NEW	828806109	292	$54,052	0.02%
418	ST SRT SPDR BMBG 1 10 YR TP ETF	78468R861	2,830	$53,996	0.02%
419	SUNCOR ENERGY INC NEW	SU	1,210	$53,675	0.02%
420	BEST BUY CO., INC.	BBY	800	$53,545	0.02%
421	Vanguard Total International Bond ETF	92203J407	712	$52,959	0.02%
422	Parnassus Core Equity Institutional	701769408	98	$52,220	0.02%
423	ST STR SPDR S/T TREA ETF	78468R101	1,780	$52,116	0.02%
424	CHEVRON CORP	CVX	341	$51,972	0.02%
425	ST STR NUV ICE MUNI ETF	78468R721	1,129	$51,607	0.02%
426	Northrop Grumman Corp	NOC	2	$51,392	0.02%
427	WINTRUST FINANCIAL CORP	97650W108	366	$51,172	0.02%
428	HERSHEY COMPANY	HSY	281	$51,140	0.02%
429	JPMORGAN BETABUILDERS US EQY ETF	46641Q399	412	$50,804	0.02%
430	H&R BLOCK INC	BSQKZ	1,135	$49,465	0.02%
431	PROCTER & GAMBLE CO	742718109	342	$49,013	0.02%
432	Vanguard FTSE Developed Markets ETF	921943858	590	$48,914	0.02%
433	ISHARES RUSSELL TOP 200 VALUE ETF	464289420	530	$48,686	0.02%
434	SPDR S&P 500 ETF Trust	SPY	39	$48,416	0.02%
435	CINTAS CORP	CTAS	256	$48,145	0.02%
436	PROLOGIS, INC.	PLDGP	377	$48,143	0.02%
437	ISHS NATL MUNI BD ETF	464288414	446	$47,772	0.02%
438	WELLTOWER INC	WELL	257	$47,703	0.02%
439	Vanguard FTSE Emerging Markets ETF	922042858	451	$47,631	0.02%
440	SONY GROUP CORP ADR NEW	SNEJF	1,855	$47,488	0.02%
441	WARNER BROS. DISCOVERY SRS A	WBD	1,647	$47,467	0.02%
442	ALPHABET INC C	GOOG	151	$47,384	0.02%
443	ISHS MBS ETF	464288588	497	$47,325	0.02%
444	AUTOMATIC DATA PROCESSING INC	ADP	183	$47,074	0.02%
445	SNOWFLAKE INC	SNOW	214	$46,944	0.02%
446	VANGUARD SMALL CAP ETF	922908751	180	$46,440	0.02%
447	iShares MSCI Canada ETF	464286509	78	$46,390	0.02%
448	UGI CORP NEW	902681105	1,230	$46,041	0.02%
449	QUALYS INC	QLYS	345	$45,852	0.02%
450	INTERFACE INC	TILE	1,642	$45,845	0.02%
451	ST STR SPDR DJ REIT ETF	78464A607	464	$45,574	0.02%
452	ST STR BLMBRG H/Y ETF	78468R622	468	$45,496	0.02%
453	EATON CORP PLC	ETN	142	$45,231	0.01%
454	SPDR S&P 500 ETF Trust	SPY	71	$45,007	0.01%
455	KKR & CO, INC. COM	KKRT	351	$44,756	0.01%
456	ISHARES TOTAL US STOCK MARKET ETF	464287150	299	$44,458	0.01%
457	STERIS PLC	STE	175	$44,367	0.01%
458	ISHS INVSTMNT BD ETF	464287242	400	$44,076	0.01%
459	Barrick Mining Corp	06849F108	9	$44,000	0.01%
460	Vanguard Extended Market ETF	922908652	101	$43,706	0.01%
461	PRIMORIS SERVICES CORP	74164F103	349	$43,326	0.01%
462	LIGAND PHARMS INC NEW	LGNZZ	228	$43,109	0.01%
463	OSI SYSTEMS INC	OSIS	169	$43,102	0.01%
464	RBC Emerging Markets Equity I	74926P316	133	$42,993	0.01%
465	PAYCHEX INC	PAYX	380	$42,628	0.01%
466	CHECK POINT SFTWARE TECH	M22465104	229	$42,494	0.01%
467	ISHS CORE S&P SMCP ETF	464287804	351	$42,182	0.01%
468	ACUITY INC	AYI	117	$42,124	0.01%
469	ISHARES RUSSELL MID CAP GROWTH ETF	464287481	304	$41,630	0.01%
470	ST STR SPDR DJ REIT ETF	78464A607	420	$41,256	0.01%
471	HURON CONSULTING GRP INC	HURN	238	$41,153	0.01%
472	ST STR SPDR LNG TERM ETF	78464A367	1,818	$41,051	0.01%
473	Essilorluxottica	297284200	5	$40,976	0.01%
474	INTL PAPER COMPANY	460146103	1,030	$40,571	0.01%
475	Vanguard FTSE Developed Markets ETF	921943858	2,979	$40,543	0.01%
476	ISHS MSCI CANADA ETF	464286509	746	$40,232	0.01%
477	ISHS MBS ETF	464288588	417	$39,703	0.01%
478	LAZARD INC	LAZ	815	$39,578	0.01%
479	ST STR SPDR LNG TERM ETF	78464A367	1,745	$39,400	0.01%
480	MAXIMUS INC	MMS	451	$38,929	0.01%
481	BIOGEN INC	BIIB	220	$38,718	0.01%
482	TESLA INC	TSLA	86	$38,676	0.01%
483	EVERTEC INC	EVTC	1,325	$38,545	0.01%
484	PALOMAR HOLDINGS INC	PLMR	286	$38,541	0.01%
485	BIOGEN INC	BIIB	217	$38,190	0.01%
486	ISHS CORE MSCI E/MKT ETF	46434G103	567	$38,114	0.01%
487	KEYCORP NEW	493267108	1,840	$37,978	0.01%
488	DORMAN PRODS INC	258278100	306	$37,696	0.01%
489	SPDR Nuveen ICE Short Term Muncpl Bd ETF	78468R739	237	$37,240	0.01%
490	Vanguard FTSE Emerging Markets ETF	922042858	581	$37,094	0.01%
491	CNO FINANCIAL GROUP INC	12621E103	868	$36,863	0.01%
492	Vanguard FTSE Developed Markets ETF	921943858	2,187	$36,857	0.01%
493	VANECK HI YLD MUN ETF	92189H409	720	$36,806	0.01%
494	VIPSHOP HLDGS LTD	VIPS	2,063	$36,493	0.01%
495	FS SPECIALTY LENDING	644323107	2,576	$36,425	0.01%
496	Fujitsu Ltd	359590304	55	$36,287	0.01%
497	iShares Russell 1000 Value ETF	464287598	114	$35,968	0.01%
498	First Trust Instl Pref Secs and Inc ETF	33739P855	213	$35,950	0.01%
499	VNGRD ALL WRLD SMCP ETF	922042718	250	$35,831	0.01%
500	NXP SEMICONDUCTORS NV	NXPI	165	$35,815	0.01%