The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   4,426 23,352 SH   SOLE   23,352 0 0
ABBVIE INC COM 00287Y109   378 2,842 SH   SOLE   2,842 0 0
AMERISOURCEBERGEN CORP COM 03073E105   160,352 842,489 SH   SOLE   842,489 0 0
AMBEV SA SPONSORED ADR 02319V103   950 306,337 SH   SOLE   306,337 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   410 1,335 SH   SOLE   1,335 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   71,777 148,466 SH   SOLE   148,466 0 0
ANALOG DEVICES INC COM 032654105   37,161 196,012 SH   SOLE   196,012 0 0
AUTODESK INC COM 052769106   22,446 108,851 SH   SOLE   108,851 0 0
AMERICAN INTL GROUP INC COM NEW 026874784   6,990 122,630 SH   SOLE   122,630 0 0
ALLEGION PLC ORD SHS G0176J109   11,633 97,584 SH   SOLE   97,584 0 0
APPLIED MATLS INC COM 038222105   553 3,832 SH   SOLE   3,832 0 0
AMGEN INC COM 031162100   26,678 120,609 SH   SOLE   120,609 0 0
AMERICAN TOWER CORP NEW COM 03027X100   217 1,125 SH   SOLE   1,125 0 0
AMAZON COM INC COM 023135106   119,241 930,362 SH   SOLE   930,362 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   23,970 868,968 SH   SOLE   868,968 0 0
AIR PRODS & CHEMS INC COM 009158106   103,375 351,612 SH   SOLE   351,612 0 0
BROADCOM INC COM 11135F101   649 755 SH   SOLE   755 0 0
AVNET INC COM 053807103   963 19,507 SH   SOLE   19,507 0 0
AMERICAN EXPRESS CO COM 025816109   6,749 39,356 SH   SOLE   39,356 0 0
AUTOZONE INC COM 053332102   1,359 554 SH   SOLE   554 0 0
ALIBABA GROUP HLDG LTD SPONSOSORED ADR 01609W102   5,574 66,564 SH   SOLE   66,564 0 0
BANK AMERICA CORP COM 060505104   16,909 593,023 SH   SOLE   593,023 0 0
BARCLAYS PLC ADR 06738E204   670 87,693 SH   SOLE   87,693 0 0
BECTON DICKINSON & CO COM 075887109   40,828 156,951 SH   SOLE   156,951 0 0
BAIDU INC SPON ADR REP A 056752108   1,839 13,657 SH   SOLE   13,657 0 0
BIOGEN INC COM 09062X103   247 875 SH   SOLE   875 0 0
BANK NEW YORK MELLON CORP COM 064058100   27,337 620,787 SH   SOLE   620,787 0 0
BOOKING HLDGS INC COM 09857L108   155,605 58,533 SH   SOLE   58,533 0 0
BLACKROCK INC COM 09247X101   40,366 58,704 SH   SOLE   58,704 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   52,140 701,081 SH   SOLE   701,081 0 0
BIOMARIN PHARMACEUTICAL INC COM 09061G101   1,848 20,653 SH   SOLE   20,653 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   268 4,189 SH   SOLE   4,189 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835   656,939 9,052,758 SH   SOLE   9,052,758 0 0
BP PLC SPONSORED ADR 055622104   300 8,585 SH   SOLE   8,585 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   15,615 95,869 SH   SOLE   95,869 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   145,981 434,208 SH   SOLE   434,208 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827   128,255 1,696,992 SH   SOLE   1,696,992 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   1,772 53,904 SH   SOLE   53,904 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   1,861 33,469 SH   SOLE   33,469 0 0
CITIGROUP INC COM NEW 172967424   7,365 159,148 SH   SOLE   159,148 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   881 17,807 SH   SOLE   17,807 0 0
THE CIGNA GROUP COM 125523100   12,280 44,405 SH   SOLE   44,405 0 0
CORE LABORATORIES INC COM 21867A105   311 12,806 SH   SOLE   12,806 0 0
CLOROX CO DEL COM 189054109   388 2,457 SH   SOLE   2,457 0 0
COMCAST CORP NEW CL A 20030N101   101,276 2,439,518 SH   SOLE   2,439,518 0 0
CME GROUP INC COM 12572Q105   440 2,400 SH   SOLE   2,400 0 0
COMPASS MINERALS INTL INC COM 20451N101   20,375 599,187 SH   SOLE   599,187 0 0
CAPITAL ONE FINL CORP COM 14040H105   5,870 53,726 SH   SOLE   53,726 0 0
CONOCOPHILLIPS COM 20825C104   21,060 204,624 SH   SOLE   204,624 0 0
COSTCO WHSL CORP NEW COM 22160K105   384 721 SH   SOLE   721 0 0
CRANE COMPANY COMMON STOCK 224408104   6,005 69,542 SH   SOLE   69,542 0 0
CHARLES RIV LABS INTL INC COM 159864107   10,492 50,368 SH   SOLE   50,368 0 0
SALESFORCE COM INC COM 79466L302   29,957 142,084 SH   SOLE   142,084 0 0
CISCO SYS INC COM 17275R102   602 11,776 SH   SOLE   11,776 0 0
CVS HEALTH CORP COM 126650100   25,721 374,876 SH   SOLE   374,876 0 0
CHEVRON CORP NEW COM 166764100   19,556 125,436 SH   SOLE   125,436 0 0
DOMINION RES INC VA NEW COM 25746U109   16,103 310,952 SH   SOLE   310,952 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   1,289 3,777 SH   SOLE   3,777 0 0
DISNEY WALT CO COM 254687106   51,875 583,372 SH   SOLE   583,372 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   35,952 404,306 SH   SOLE   404,306 0 0
ISHARES TR ESG US AGR BD 46435U549   11,984 253,766 SH   SOLE   253,766 0 0
EBAY INC. COM 278642103   37,960 849,945 SH   SOLE   849,945 0 0
ECOLAB INC COM 278865100   26,259 143,311 SH   SOLE   143,311 0 0
ISHARES TR EAFE GRWTH ETF 464288885   359 3,817 SH   SOLE   3,817 0 0
ISHARES TR EAFE VALUE ETF 464288877   75,058 1,548,716 SH   SOLE   1,548,716 0 0
EQUIFAX INC COM 294429105   1,694 7,224 SH   SOLE   7,224 0 0
EDISON INTL COM 281020107   47,253 689,514 SH   SOLE   689,514 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300   49,393 1,943,186 SH   SOLE   1,943,186 0 0
EDISON INTL COM 291011104   376 4,212 SH   SOLE   4,212 0 0
ENBRIDGE INC COM 29250N105   57,410 1,554,087 SH   SOLE   1,554,087 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   6,210 235,405 SH   SOLE   235,405 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   2,196 69,860 SH   SOLE   69,860 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   366 3,804 SH   SOLE   3,804 0 0
ISHARES TR ESG MSCI USA SML 46435U663   3,973 112,778 SH   SOLE   112,778 0 0
ISHARES INC MSCI GERMANY ETF 464286806   33,306 1,185,209 SH   SOLE   1,185,209 0 0
ISHARES TR MSCI UK ETF NEW 46435G334   53,754 1,684,246 SH   SOLE   1,684,246 0 0
ISHARES INC MSCI STH KOR ETF 464286772   26,052 414,550 SH   SOLE   414,550 0 0
EXPEDIA INC DEL COM NEW 30212P303   2,210 20,481 SH   SOLE   20,481 0 0
DIAMONDBACK ENERGY INC COM 25278X109   10,075 77,711 SH   SOLE   77,711 0 0
FISERV INC COM 337738108   48,124 388,777 SH   SOLE   388,777 0 0
FIDELITY NATL INFORMATION SV COM 31620M106   99,722 1,883,014 SH   SOLE   1,883,014 0 0
FIFTH THIRD BANCORP COM 316773100   688 26,181 SH   SOLE   26,181 0 0
FRANKLIN TEMPLETON ETF TR FTSE CHINA 35473P819   544 31,038 SH   SOLE   31,038 0 0
FRESENIUS MED CARE AG&CO KGA SPONSORED ADR 358029106   224 9,533 SH   SOLE   9,533 0 0
FOMENTO ECONOMICO MEXICANO S SPON ADR UNITS 344419106   10,552 95,564 SH   SOLE   95,564 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   46,254 1,738,029 SH   SOLE   1,738,029 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   22,366 496,966 SH   SOLE   496,966 0 0
FORTINET INC COM 34959E109   302 4,026 SH   SOLE   4,026 0 0
GENERAL DYNAMICS CORP COM 369550108   26,714 125,136 SH   SOLE   125,136 0 0
GRAHAM HLDGS CO COM CL B 384637104   1,303 2,271 SH   SOLE   2,271 0 0
GILEAD SCIENCES INC COM 375558103   443 5,820 SH   SOLE   5,820 0 0
GENERAL MTRS CO COM 37045V100   5,404 141,475 SH   SOLE   141,475 0 0
ALPHABET INC CAP STK CL C 02079K107   85,814 713,412 SH   SOLE   713,412 0 0
ALPHABET INC CAP STK CL A 02079K305   144,776 1,213,023 SH   SOLE   1,213,023 0 0
GENUINE PARTS CO COM 372460105   37,078 223,525 SH   SOLE   223,525 0 0
GLOBAL PMTS INC COM 37940X102   999 10,302 SH   SOLE   10,302 0 0
GSK PLC SPONSORED ADR 37733W204   2,257 63,703 SH   SOLE   63,703 0 0
HALLIBURTON CO COM 406216101   1,546 46,734 SH   SOLE   46,734 0 0
HUNTINGTON BANCSHARES INC COM 446150104   1,401 130,335 SH   SOLE   130,335 0 0
HANESBRANDS INC COM 410345102   9,874 2,212,244 SH   SOLE   2,212,244 0 0
HOME DEPOT INC COM 437076102   811 2,636 SH   SOLE   2,636 0 0
HALEON PLC SPON ADS 405552100   88 10,757 SH   SOLE   10,757 0 0
HARLEY DAVIDSON INC COM 412822108   1,787 51,262 SH   SOLE   51,262 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406   916 23,386 SH   SOLE   23,386 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409   4,082 79,515 SH   SOLE   79,515 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   285 2,134 SH   SOLE   2,134 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   425 3,786 SH   SOLE   3,786 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   10,793 214,652 SH   SOLE   214,652 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101   1,993 25,612 SH   SOLE   25,612 0 0
INGREDION INC COM 457187102   20,398 194,858 SH   SOLE   194,858 0 0
INTUIT COM 461202103   317 693 SH   SOLE   693 0 0
IQVIA HLDGS INC COM 46266C105   139,712 632,443 SH   SOLE   632,443 0 0
ISHARES TR CORE TOTAL USD 46434V613   21,644 476,974 SH   SOLE   476,974 0 0
ISHARES TR CORE S&P500 ETF 464287200   59,763 135,849 SH   SOLE   135,849 0 0
INVESCO LTD SHS G491BT108   379 22,706 SH   SOLE   22,706 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   40,148 647,763 SH   SOLE   647,763 0 0
JD.COM INC SPON ADR CL A 47215P106   1,868 54,910 SH   SOLE   54,910 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,625 51,837 SH   SOLE   51,837 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   15,215 302,985 SH   SOLE   302,985 0 0
JOHNSON & JOHNSON COM 478160104   38,778 236,631 SH   SOLE   236,631 0 0
JPMORGAN CHASE & CO COM 46625H100   88,167 619,266 SH   SOLE   619,266 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   10,711 213,640 SH   SOLE   213,640 0 0
KELLOGG CO COM 487836108   1,289 19,351 SH   SOLE   19,351 0 0
KEYCORP NEW COM 493267108   710 76,104 SH   SOLE   76,104 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103   212 1,283 SH   SOLE   1,283 0 0
KLA CORP COM NEW 482480100   545 1,144 SH   SOLE   1,144 0 0
CARMAX INC COM 143130102   117,402 1,391,912 SH   SOLE   1,391,912 0 0
COCA COLA CO COM 191216100   37,892 630,282 SH   SOLE   630,282 0 0
KROGER CO COM 501044101   1,534 33,012 SH   SOLE   33,012 0 0
LAMAR ADVERTISING CO NEW CL A 512816109   46,111 468,241 SH   SOLE   468,241 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   10,289 42,901 SH   SOLE   42,901 0 0
LILLY ELI & CO COM 532457108   379 818 SH   SOLE   818 0 0
LOCKHEED MARTIN CORP COM 539830109   34,410 75,521 SH   SOLE   75,521 0 0
LOWES COS INC COM 548661107   732 3,286 SH   SOLE   3,286 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   23,007 10,811,269 SH   SOLE   10,811,269 0 0
MASTERCARD INCORPORATED CL A 57636Q104   117,241 303,775 SH   SOLE   303,775 0 0
MASCO CORP COM 574599106   2,363 41,270 SH   SOLE   41,270 0 0
MCDONALDS CORP COM 580135101   267 908 SH   SOLE   908 0 0
ISHARES TR MSCI CHINA ETF 46429B671   34,158 768,429 SH   SOLE   768,429 0 0
MCKESSON CORP COM 58155Q103   32,102 76,541 SH   SOLE   76,541 0 0
MOODYS CORP COM 615369105   263 763 SH   SOLE   763 0 0
MONDELEZ INTL INC CL A 609207105   493 6,808 SH   SOLE   6,808 0 0
MEDTRONIC PLC SHS G5960L103   38,559 444,790 SH   SOLE   444,790 0 0
MERCADOLIBRE INC COM 58733R102   231 196 SH   SOLE   196 0 0
MIZUHO FINL GROUP INC SPONSORED ADR 60687Y109   297 97,358 SH   SOLE   97,358 0 0
GLOBAL X FDS GLB X MLP ENRG I 37954Y293   9,875 239,361 SH   SOLE   239,361 0 0
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106   8,257 133,387 SH   SOLE   133,387 0 0
ALTRIA GROUP INC COM 02209S103   10,396 231,641 SH   SOLE   231,641 0 0
MONOLITHIC PWR SYS INC COM 609839105   254 474 SH   SOLE   474 0 0
MERCK & CO INC COM 58933Y105   471 4,158 SH   SOLE   4,158 0 0
MICROSOFT CORP COM 594918104   224,584 669,926 SH   SOLE   669,926 0 0
ISHARES TR NATIONAL MUN ETF 464288414   14,416 135,159 SH   SOLE   135,159 0 0
NEXTERA ENERGY INC COM 65339F101   200 2,742 SH   SOLE   2,742 0 0
NETFLIX INC COM 64110L106   22,793 53,180 SH   SOLE   53,180 0 0
NIKE INC CL B 654106103   263 2,320 SH   SOLE   2,320 0 0
NOMURA HLDGS INC SPONSORED ADR 65535H208   249 65,050 SH   SOLE   65,050 0 0
SERVICENOW INC COM 81762P102   261 476 SH   SOLE   476 0 0
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508   2,466 84,261 SH   SOLE   84,261 0 0
NVIDIA CORPORATION COM 67066G104   955 2,336 SH   SOLE   2,336 0 0
NOVARTIS AG SPONSORED ADR 66987V109   37,813 381,455 SH   SOLE   381,455 0 0
NVENT ELECTRIC PLC SHS G6700G107   299 5,869 SH   SOLE   5,869 0 0
OMNICOM GROUP INC COM 681919106   57,669 609,426 SH   SOLE   609,426 0 0
ORANGE SPONSORED ADR 684060106   205 17,621 SH   SOLE   17,621 0 0
ORACLE CORP COM 68389X105   75,184 640,048 SH   SOLE   640,048 0 0
PLAINS GP HLDGS L P LTD PARTNR INT A 72651A207   10,892 742,178 SH   SOLE   742,178 0 0
PALO ALTO NETWORKS INC COM 697435105   299 1,181 SH   SOLE   1,181 0 0
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   309 21,629 SH   SOLE   21,629 0 0
PEPSICO INC COM 713448108   562 3,056 SH   SOLE   3,056 0 0
PFIZER INC COM 717081103   16,458 455,258 SH   SOLE   455,258 0 0
PROCTER AND GAMBLE CO COM 742718109   47,816 319,836 SH   SOLE   319,836 0 0
POLARIS INC COM 731068102   543 4,546 SH   SOLE   4,546 0 0
PHILIP MORRIS INTL INC COM 718172109   89,417 918,522 SH   SOLE   918,522 0 0
PNC FINL SVCS GROUP INC COM 693475105   203 1,616 SH   SOLE   1,616 0 0
PENTAIR PLC SHS G7S00T104   378 5,957 SH   SOLE   5,957 0 0
QUALCOMM INC COM 747525103   65,107 552,049 SH   SOLE   552,049 0 0
ROCKWELL AUTOMATION INC COM 773903109   499 1,540 SH   SOLE   1,540 0 0
ROPER TECHNOLOGIES INC COM 776696106   475 999 SH   SOLE   999 0 0
RAYTHEON CO COM NEW 75513E101   15,682 161,158 SH   SOLE   161,158 0 0
STARBUCKS CORP COM 855244109   41,543 421,049 SH   SOLE   421,049 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   31,767 621,789 SH   SOLE   621,789 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,241 46,600 SH   SOLE   46,600 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   15,501 296,432 SH   SOLE   296,432 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   19,322 391,793 SH   SOLE   391,793 0 0
SCHWAB CHARLES CORP COM 808513105   134,253 2,362,909 SH   SOLE   2,362,909 0 0
SCHLUMBERGER LTD COM 806857108   624 12,861 SH   SOLE   12,861 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300   46,327 602,726 SH   SOLE   602,726 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   667 77,666 SH   SOLE   77,666 0 0
SANOFI SPONSORED ADR 80105N105   29,280 550,572 SH   SOLE   550,572 0 0
S&P GLOBAL INC COM 78409V104   358 906 SH   SOLE   906 0 0
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853   25,139 649,772 SH   SOLE   649,772 0 0
SPIRIT RLTY CAP INC NEW COM NEW 84860W300   33,989 865,166 SH   SOLE   865,166 0 0
STELLANTIS N.V SHS N82405106   808 46,564 SH   SOLE   46,564 0 0
STATE STR CORP COM 857477103   348 4,771 SH   SOLE   4,771 0 0
CONSTELLATION BRANDS INC CL A 21036P108   425 1,721 SH   SOLE   1,721 0 0
SUNCOR ENERGY INC NEW COM 867224107   280 9,598 SH   SOLE   9,598 0 0
TELEFONICA S A SPONSORED ADR 879382208   368 92,456 SH   SOLE   92,456 0 0
TERADYNE INC COM 880770102   2,300 21,024 SH   SOLE   21,024 0 0
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209   281 37,187 SH   SOLE   37,187 0 0
TRUIST FINL CORP COM 89832Q109   27,784 907,775 SH   SOLE   907,775 0 0
MILLICOM INTL CELLULAR SA COM STK L6388F110   1,766 116,952 SH   SOLE   116,952 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   322 627 SH   SOLE   627 0 0
TESLA INC COM 88160R101   908 3,528 SH   SOLE   3,528 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   95,818 951,489 SH   SOLE   951,489 0 0
TEXAS INSTRS INC COM 882508104   25,250 143,115 SH   SOLE   143,115 0 0
TYLER TECHNOLOGIES INC COM 902252105   235 572 SH   SOLE   572 0 0
UBS GROUP AG SHS H42097107   825 41,297 SH   SOLE   41,297 0 0
UNILEVER PLC SPON ADR NEW 904767704   31,885 618,607 SH   SOLE   618,607 0 0
UNITEDHEALTH GROUP INC COM 91324P102   54,494 114,488 SH   SOLE   114,488 0 0
UNITED PARCEL SERVICE INC CL B 911312106   45,086 256,208 SH   SOLE   256,208 0 0
US BANCORP DEL COM NEW 902973304   3,675 112,382 SH   SOLE   112,382 0 0
ISHARES TR BROAD USD HIGH 46435U853   55,081 1,567,762 SH   SOLE   1,567,762 0 0
DBX ETF TR XTRCKR MSCI US 233051150   9,314 232,151 SH   SOLE   232,151 0 0
VISA INC COM CL A 92826C839   118,172 507,584 SH   SOLE   507,584 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,489 12,618 SH   SOLE   12,618 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,029 24,523 SH   SOLE   24,523 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   14,955 189,713 SH   SOLE   189,713 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   26,083 135,107 SH   SOLE   135,107 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   240,228 5,261,963 SH   SOLE   5,261,963 0 0
VEEVA SYS INC CL A COM 922475108   33,966 173,904 SH   SOLE   173,904 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   40,886 508,182 SH   SOLE   508,182 0 0
VANGUARD SCOTTSDALE FDS INT-TERM GOV 92206C706   130,812 2,228,017 SH   SOLE   2,228,017 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   3,063 12,628 SH   SOLE   12,628 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771   59,952 1,305,228 SH   SOLE   1,305,228 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   170,214 781,688 SH   SOLE   781,688 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   40,794 386,442 SH   SOLE   386,442 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746   50,360 1,003,512 SH   SOLE   1,003,512 0 0
VANGUARD INDEX FDS STK MRK ETF 922908769   723,071 3,320,102 SH   SOLE   3,320,102 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   31,381 661,996 SH   SOLE   661,996 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   75,417 536,175 SH   SOLE   536,175 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   56,610 1,402,318 SH   SOLE   1,402,318 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   32,909 531,417 SH   SOLE   531,417 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   28,473 770,413 SH   SOLE   770,413 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104   5,859 471,308 SH   SOLE   471,308 0 0
WELLS FARGO CO NEW COM 949746101   77,904 1,852,973 SH   SOLE   1,852,973 0 0
WYNDHAM HOTELS & RESORTS INC COM 98311A105   11,943 175,750 SH   SOLE   175,750 0 0
WILEY JOHN & SONS INC CL A 968223206   381 11,200 SH   SOLE   11,200 0 0
WILLIAMS COS INC COM 969457100   30,103 928,377 SH   SOLE   928,377 0 0
WALMART INC COM 931142103   322 2,083 SH   SOLE   2,083 0 0
WPP PLC NEW ADR 92937A102   7,157 137,890 SH   SOLE   137,890 0 0
WESTERN UN CO COM 959802109   154 13,274 SH   SOLE   13,274 0 0
EXXON MOBIL CORP COM 30231G102   57,586 541,045 SH   SOLE   541,045 0 0
YUM BRANDS INC COM 988498101   271 1,978 SH   SOLE   1,978 0 0
YUM CHINA HLDGS INC COM 98850P109   9,399 166,655 SH   SOLE   166,655 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   2,440 16,836 SH   SOLE   16,836 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105   11,117 38,694 SH   SOLE   38,694 0 0