Chief Compliance Officer

0001765380-24-000038.txt : 20240208 0001765380-24-000038.hdr.sgml : 20240208 20240208131841 ACCESSION NUMBER: 0001765380-24-000038 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230930 FILED AS OF DATE: 20240208 DATE AS OF CHANGE: 20240208 EFFECTIVENESS DATE: 20240208 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Bedel Financial Consulting, Inc. CENTRAL INDEX KEY: 0001730511 ORGANIZATION NAME: IRS NUMBER: 000000000 STATE OF INCORPORATION: IN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-18265 FILM NUMBER: 24608089 BUSINESS ADDRESS: STREET 1: 8940 RIVER CROSSING BOULEVARD STREET 2: SUITE 120 CITY: INDIANAPOLIS STATE: IN ZIP: 46240 BUSINESS PHONE: 317-843-1358 MAIL ADDRESS: STREET 1: 8940 RIVER CROSSING BOULEVARD STREET 2: SUITE 120 CITY: INDIANAPOLIS STATE: IN ZIP: 46240 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE false true false 0001730511 XXXXXXXX 09-30-2023 09-30-2023 Bedel Financial Consulting, Inc.

8940 RIVER CROSSING BOULEVARD SUITE 120 INDIANAPOLIS IN 46240

13F HOLDINGS REPORT 028-18265 N Lonny Elfenbein Chief Compliance Officer 513-977-8330 Lonny Elfenbein Cincinnati OH 02-08-2024 0 235 493920599 false INFORMATION TABLE 2 bedelfinancialconsulting13f.xml 3M CO COM 88579Y101 388660 4151 SH SOLE 0 0 0 4151 ABBVIE INC COM 00287Y109 1882440 12629 SH SOLE 0 1000 0 11629 ACCENTURE PLC IRELAND SHS CLASS A G1151C101 382045 1244 SH SOLE 0 0 0 1244 ADOBE INC COM 00724F101 719724 1412 SH SOLE 0 0 0 1412 ADVANCED MICRO DEVICES INC COM 007903107 231653 2253 SH SOLE 0 0 0 2253 ALPHABET INC CAP STK CL A 02079K305 2477834 18935 SH SOLE 0 0 0 18935 ALPHABET INC CAP STK CL C 02079K107 1985661 15060 SH SOLE 0 0 0 15060 ALTRIA GROUP INC COM 02209S103 396113 9420 SH SOLE 0 0 0 9420 AMAZON COM INC COM 023135106 1621749 12758 SH SOLE 0 0 0 12758 AMERICAN CENTY ETF TR FOCUSED LRG CAP 025072794 3594888 63122 SH SOLE 0 0 0 63122 AMERICAN CENTY ETF TR US QUALITY GROW 025072307 1391064 20642 SH SOLE 0 470 0 20172 AMERICAN ELEC PWR CO INC COM 025537101 249505 3317 SH SOLE 0 0 0 3317 AMERICAN EXPRESS CO COM 025816109 712323 4775 SH SOLE 0 0 0 4775 AMGEN INC COM 031162100 388896 1447 SH SOLE 0 0 0 1447 APPLE INC COM 037833100 14196481 82919 SH SOLE 0 1610 0 81309 APPLIED MATLS INC COM 038222105 1335497 9646 SH SOLE 0 0 0 9646 AT&T INC COM 00206R102 241959 16109 SH SOLE 0 0 0 16109 AUTOMATIC DATA PROCESSING IN COM 053015103 1253971 5212 SH SOLE 0 0 0 5212 BALL CORP COM 058498106 477888 9600 SH SOLE 0 0 0 9600 BANK AMERICA CORP COM 060505104 382293 13962 SH SOLE 0 0 0 13962 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 6565013 18741 SH SOLE 0 0 0 18741 BOSTON SCIENTIFIC CORP COM 101137107 689198 13053 SH SOLE 0 0 0 13053 BRISTOL-MYERS SQUIBB CO COM 110122108 340237 5862 SH SOLE 0 0 0 5862 BROADCOM INC COM 11135F101 228475 275 SH SOLE 0 0 0 275 CAMPBELL SOUP CO COM 134429109 204661 4982 SH SOLE 0 0 0 4982 CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 6445923 263099 SH SOLE 0 3651 0 259448 CATERPILLAR INC COM 149123101 515283 1887 SH SOLE 0 0 0 1887 CHEVRON CORP NEW COM 166764100 1371913 8136 SH SOLE 0 0 0 8136 CINTAS CORP COM 172908105 555567 1155 SH SOLE 0 0 0 1155 CISCO SYS INC COM 17275R102 1731486 32208 SH SOLE 0 0 0 32208 CLOROX CO DEL COM 189054109 308851 2357 SH SOLE 0 280 0 2077 COCA COLA CO COM 191216100 1381164 24672 SH SOLE 0 0 0 24672 COMCAST CORP NEW CL A 20030N101 254722 5745 SH SOLE 0 0 0 5745 CONAGRA BRANDS INC COM 205887102 250482 9135 SH SOLE 0 0 0 9135 CONOCOPHILLIPS COM 20825C104 458115 3824 SH SOLE 0 0 0 3824 COOPER COS INC COM NEW 216648402 318010 1000 SH SOLE 0 0 0 1000 CORTEVA INC COM 22052L104 204544 3998 SH SOLE 0 0 0 3998 COSTCO WHSL CORP NEW COM 22160K105 585623 1037 SH SOLE 0 0 0 1037 CSX CORP COM 126408103 545198 17730 SH SOLE 0 0 0 17730 CUMMINS INC COM 231021106 1634997 7157 SH SOLE 0 0 0 7157 CUSTOM TRUCK ONE SOURCE INC COM CL A 23204X103 307222 49552 SH SOLE 0 0 0 49552 DANAHER CORPORATION COM 235851102 977083 3938 SH SOLE 0 0 0 3938 DEERE & CO COM 244199105 243817 646 SH SOLE 0 0 0 646 DENTSPLY SIRONA INC COM 24906P109 213637 6254 SH SOLE 0 2600 0 3654 DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 590586 11251 SH SOLE 0 0 0 11251 DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 2539560 77853 SH SOLE 0 339 0 77514 DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 214371 9244 SH SOLE 0 0 0 9244 DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 11649530 516151 SH SOLE 0 7222 0 508929 DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 766662 16780 SH SOLE 0 249 0 16531 DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 27138339 1039385 SH SOLE 0 15577 0 1023808 DISCOVER FINL SVCS COM 254709108 208803 2410 SH SOLE 0 0 0 2410 DISNEY WALT CO COM 254687106 1431811 17666 SH SOLE 0 0 0 17666 DOW INC COM 260557103 309989 6012 SH SOLE 0 0 0 6012 DUKE ENERGY CORP NEW COM NEW 26441C204 423742 4801 SH SOLE 0 0 0 4801 DUPONT DE NEMOURS INC COM 26614N102 444736 5962 SH SOLE 0 0 0 5962 EATON CORP PLC SHS G29183103 296246 1389 SH SOLE 0 0 0 1389 EATON VANCE SR INCOME TR SH BEN INT 27826S103 70576 11962 SH SOLE 0 0 0 11962 ELEVANCE HEALTH INC COM 036752103 534260 1227 SH SOLE 0 0 0 1227 ELI LILLY & CO COM 532457108 174857849 325541 SH SOLE 0 280 0 325261 EMERSON ELEC CO COM 291011104 290960 3013 SH SOLE 0 0 0 3013 EXLSERVICE HOLDINGS INC COM 302081104 635386 22660 SH SOLE 0 0 0 22660 EXXON MOBIL CORP COM 30231G102 2867897 24391 SH SOLE 0 0 0 24391 FEDEX CORP COM 31428X106 333396 1258 SH SOLE 0 0 0 1258 FIRST FINL BANCORP OH COM 320209109 537275 27412 SH SOLE 0 0 0 27412 FIRST TR EXCHANGE-TRADED ALP SML CP GRW ALP 33737M300 2553333 45304 SH SOLE 0 945 0 44359 FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 778099 4875 SH SOLE 0 0 0 4875 FIRST TR MID CAP CORE ALPHAD COM SHS 33735B108 1556490 16900 SH SOLE 0 0 0 16900 FIRSTENERGY CORP COM 337932107 259497 7592 SH SOLE 0 0 0 7592 GENERAL DYNAMICS CORP COM 369550108 508563 2302 SH SOLE 0 508 0 1794 GENERAL ELECTRIC CO COM NEW 369604301 228185 2064 SH SOLE 0 0 0 2064 GENTEX CORP COM 371901109 258621 7948 SH SOLE 0 0 0 7948 GLOBAL X FDS RATE PREFERRED 37954Y376 5774460 251501 SH SOLE 0 4433 0 247068 GRAINGER W W INC COM 384802104 228307 330 SH SOLE 0 0 0 330 GSK PLC SPONSORED ADR 37733W204 249618 6886 SH SOLE 0 0 0 6886 HASHICORP INC COM CL A 418100103 236519 10360 SH SOLE 0 0 0 10360 HOME DEPOT INC COM 437076102 1589406 5260 SH SOLE 0 0 0 5260 HONEYWELL INTL INC COM 438516106 1247879 6755 SH SOLE 0 0 0 6755 HORIZON BANCORP INC COM 440407104 138167 12937 SH SOLE 0 0 0 12937 HUNTINGTON BANCSHARES INC COM 446150104 684187 65787 SH SOLE 0 0 0 65787 ILLINOIS TOOL WKS INC COM 452308109 960834 4172 SH SOLE 0 2200 0 1972 INNOVATOR ETFS TR US EQT ULTRA BF 45782C375 290777 9749 SH SOLE 0 0 0 9749 INNOVATOR ETFS TR US EQT BUFR APR 45782C888 692649 19807 SH SOLE 0 0 0 19807 INNOVATOR ETFS TR US EQTY PWR BUF 45782C573 768645 23250 SH SOLE 0 0 0 23250 INNOVATOR ETFS TR US EQT ULTRA BF 45782C839 630545 22336 SH SOLE 0 0 0 22336 INNOVATOR ETFS TR US EQTY ULTRA B 45782C649 427137 14593 SH SOLE 0 2675 0 11918 INNOVATOR ETFS TR US EQTY PWR BUF 45782C540 218883 6764 SH SOLE 0 0 0 6764 INNOVATOR ETFS TR US EQT PWR BUF 45782C870 7667848 250501 SH SOLE 0 0 0 250501 INNOVATOR ETFS TR US EQTY ULTRA B 45782C821 1427684 46779 SH SOLE 0 0 0 46779 INNOVATOR ETFS TR US EQTY BUFR JAN 45782C409 359108 9774 SH SOLE 0 0 0 9774 INNOVATOR ETFS TR LADDERED ALC BFR 45783Y756 618614 24269 SH SOLE 0 0 0 24269 INNOVATOR ETFS TR BUFFER STEP UP S 45783Y731 442577 16762 SH SOLE 0 0 0 16762 INNOVATOR ETFS TR US EQTY PWR BUF 45782C318 428276 14508 SH SOLE 0 0 0 14508 INNOVATOR ETFS TR US EQTY PWR BUF 45782C656 806728 24899 SH SOLE 0 1693 0 23206 INNOVATOR ETFS TR US EQTY PWR BF 45782C680 242687 7816 SH SOLE 0 0 0 7816 INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 798538 22949 SH SOLE 0 0 0 22949 INNOVATOR ETFS TR US EQT ULTRA BF 45782C300 316175 9708 SH SOLE 0 0 0 9708 INNOVATOR ETFS TR US EQTY PWR BUF 45782C417 598289 19644 SH SOLE 0 0 0 19644 INNOVATOR ETFS TR US EQTY PWR BUF 45782C813 441279 13094 SH SOLE 0 0 0 13094 INNOVATOR ETFS TR US EQTY BUF OCT 45782C771 600197 16907 SH SOLE 0 0 0 16907 INNOVATOR ETFS TR US EQTY PWR BUF 45782C383 321035 9586 SH SOLE 0 0 0 9586 INNOVATOR ETFS TR US EQTY PWR BUF 45782C797 1415860 41692 SH SOLE 0 2795 0 38897 INTEL CORP COM 458140100 1198457 33712 SH SOLE 0 0 0 33712 INTERCONTINENTAL EXCHANGE IN COM 45866F104 208378 1894 SH SOLE 0 0 0 1894 INTERNATIONAL BUSINESS MACHS COM 459200101 490844 3499 SH SOLE 0 590 0 2909 INTERNATIONAL TOWER HILL MIN COM 46050R102 9081 25797 SH SOLE 0 0 0 25797 INTUITIVE SURGICAL INC COM NEW 46120E602 1017461 3481 SH SOLE 0 2016 0 1465 INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 670043 11397 SH SOLE 0 0 0 11397 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 247182 1745 SH SOLE 0 0 0 1745 INVESCO EXCHANGE TRADED FD T LARGE CAP VALUE 46137V738 413338 8832 SH SOLE 0 0 0 8832 ISHARES TR CORE S&P500 ETF 464287200 4275234 9956 SH SOLE 0 0 0 9956 ISHARES TR EAFE GRWTH ETF 464288885 10791198 125043 SH SOLE 0 2583 0 122460 ISHARES TR S&P SML 600 GWT 464287887 377957 3446 SH SOLE 0 0 0 3446 ISHARES TR MSCI EMG MKT ETF 464287234 564671 14879 SH SOLE 0 0 0 14879 ISHARES TR RUSSELL 2000 ETF 464287655 1758760 9951 SH SOLE 0 0 0 9951 ISHARES TR RUS 1000 ETF 464287622 284946 1213 SH SOLE 0 0 0 1213 ISHARES TR RUS MID CAP ETF 464287499 1213148 17518 SH SOLE 0 0 0 17518 ISHARES TR CORE S&P MCP ETF 464287507 1610053 6457 SH SOLE 0 0 0 6457 ISHARES TR RUS 1000 GRW ETF 464287614 1209100 4546 SH SOLE 0 14 0 4532 ISHARES TR MSCI EAFE ETF 464287465 1320566 19161 SH SOLE 0 167 0 18994 ISHARES TR RUS MD CP GR ETF 464287481 624469 6836 SH SOLE 0 0 0 6836 ISHARES TR INTERNATIONAL SL 46434V266 3163775 106957 SH SOLE 0 1990 0 104967 ISHARES TR SELECT DIVID ETF 464287168 457901 4254 SH SOLE 0 0 0 4254 ISHARES TR TIPS BD ETF 464287176 220135 2122 SH SOLE 0 0 0 2122 ISHARES TR RUS 2000 VAL ETF 464287630 585540 4320 SH SOLE 0 0 0 4320 ISHARES TR MSCI ACWI EX US 464288240 1109759 23607 SH SOLE 0 1897 0 21709 ISHARES TR MSCI USA QLT FCT 46432F339 2686727 20386 SH SOLE 0 20 0 20366 ISHARES TR MRGSTR MD CP VAL 464288406 3596407 59356 SH SOLE 0 694 0 58662 ISHARES TR MRGSTR MD CP GRW 464288307 4544920 79554 SH SOLE 0 1366 0 78188 ISHARES TR CORE DIV GRWTH 46434V621 260478 5259 SH SOLE 0 0 0 5259 ISHARES TR RUS MDCP VAL ETF 464287473 1126350 10795 SH SOLE 0 0 0 10795 ISHARES TR MRGSTR MD CP ETF 464288208 1029148 17230 SH SOLE 0 8 0 17222 ISHARES TR RUS 1000 VAL ETF 464287598 520042 3425 SH SOLE 0 50 0 3375 ISHARES TR CORE S&P US GWT 464287671 519668 5480 SH SOLE 0 0 0 5480 ISHARES TR CORE S&P US VLU 464287663 298256 3997 SH SOLE 0 0 0 3997 ISHARES TR RUS 2000 GRW ETF 464287648 541546 2416 SH SOLE 0 0 0 2416 JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 2189937 45652 SH SOLE 0 1347 0 44305 JOHNSON & JOHNSON COM 478160104 2327853 14946 SH SOLE 0 0 0 14946 JPMORGAN CHASE & CO COM 46625H100 4653435 32088 SH SOLE 0 0 0 32088 KIMBERLY-CLARK CORP COM 494368103 671201 5554 SH SOLE 0 0 0 5554 KROGER CO COM 501044101 290249 6486 SH SOLE 0 0 0 6486 LAKELAND FINL CORP COM 511656100 306117 6450 SH SOLE 0 0 0 6450 LOWES COS INC COM 548661107 1108773 5335 SH SOLE 0 0 0 5335 LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 298958 3157 SH SOLE 0 0 0 3157 MASTERCARD INCORPORATED CL A 57636Q104 405222 1024 SH SOLE 0 0 0 1024 MATERION CORP COM 576690101 203820 2000 SH SOLE 0 0 0 2000 MATTHEWS ASIA FDS EMER MKTS EQUITY 577125818 392904 14945 SH SOLE 0 0 0 14945 MCDONALDS CORP COM 580135101 1369400 5198 SH SOLE 0 0 0 5198 MERCK & CO INC COM 58933Y105 634041 6159 SH SOLE 0 0 0 6159 META PLATFORMS INC CL A 30303M102 858601 2860 SH SOLE 0 0 0 2860 MICROSOFT CORP COM 594918104 11402715 36113 SH SOLE 0 0 0 36113 MONDELEZ INTL INC CL A 609207105 303346 4371 SH SOLE 0 0 0 4371 MORGAN STANLEY COM NEW 617446448 275567 3374 SH SOLE 0 0 0 3374 NEW JERSEY RES CORP COM 646025106 239595 5897 SH SOLE 0 0 0 5897 NEXTERA ENERGY INC COM 65339F101 654037 11416 SH SOLE 0 0 0 11416 NIKE INC CL B 654106103 682168 7134 SH SOLE 0 0 0 7134 NISOURCE INC COM 65473P105 201158 8151 SH SOLE 0 0 0 8151 NOVARTIS AG SPONSORED ADR 66987V109 452800 4445 SH SOLE 0 0 0 4445 NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101 123105 11803 SH SOLE 0 0 0 11803 NUVEEN QUALITY MUNCP INCOME COM 67066V101 151035 14895 SH SOLE 0 0 0 14895 NVIDIA CORPORATION COM 67066G104 888656 2043 SH SOLE 0 0 0 2043 OCUPHIRE PHARMA INC COM 67577R102 50250 15000 SH SOLE 0 0 0 15000 ONEOK INC NEW COM 682680103 274894 4334 SH SOLE 0 0 0 4334 ORACLE CORP COM 68389X105 1533531 14478 SH SOLE 0 0 0 14478 OREILLY AUTOMOTIVE INC COM 67103H107 881594 970 SH SOLE 0 0 0 970 PACER FDS TR PACER US SMALL 69374H857 1779627 42677 SH SOLE 0 839 0 41838 PACER FDS TR US CASH COWS 100 69374H881 2082790 42136 SH SOLE 0 922 0 41214 PEPSICO INC COM 713448108 2167153 12790 SH SOLE 0 0 0 12790 PFIZER INC COM 717081103 977693 29475 SH SOLE 0 0 0 29475 PHILIP MORRIS INTL INC COM 718172109 502617 5429 SH SOLE 0 0 0 5429 PIMCO ETF TR SHTRM MUN BD ACT 72201R874 645357 13184 SH SOLE 0 0 0 13184 PIMCO ETF TR INTER MUN BD ACT 72201R866 638292 12748 SH SOLE 0 0 0 12748 PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1341128 13393 SH SOLE 0 0 0 13393 PIMCO ETF TR ENHNCD LW DUR AC 72201R718 294437 3141 SH SOLE 0 0 0 3141 PINNACLE WEST CAP CORP COM 723484101 271879 3690 SH SOLE 0 0 0 3690 PROCTER AND GAMBLE CO COM 742718109 1829764 12545 SH SOLE 0 2000 0 10545 PROLOGIS INC. COM 74340W103 223361 1991 SH SOLE 0 1226 0 765 PRUDENTIAL FINL INC COM 744320102 219079 2309 SH SOLE 0 0 0 2309 QUALCOMM INC COM 747525103 367915 3313 SH SOLE 0 0 0 3313 RELMADA THERAPEUTICS INC COM 75955J402 30000 10000 SH SOLE 0 0 0 10000 RESMED INC COM 761152107 310527 2100 SH SOLE 0 0 0 2100 RTX CORPORATION COM 75513E101 326672 4539 SH SOLE 0 0 0 4539 SALESFORCE INC COM 79466L302 247392 1220 SH SOLE 0 0 0 1220 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 588650 11808 SH SOLE 0 0 0 11808 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 380568 5378 SH SOLE 0 0 0 5378 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 313031 7557 SH SOLE 0 0 0 7557 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 555183 10972 SH SOLE 0 0 0 10972 SELECT SECTOR SPDR TR FINANCIAL 81369Y605 333928 10067 SH SOLE 0 0 0 10067 SIMON PPTY GROUP INC NEW COM 828806109 868147 8036 SH SOLE 0 1648 0 6388 SIRIUS XM HOLDINGS INC COM 82968B103 72456 16030 SH SOLE 0 0 0 16030 SOUTHERN CO COM 842587107 293085 4529 SH SOLE 0 0 0 4529 SPDR GOLD TR GOLD SHS 78463V107 564242 3291 SH SOLE 0 64 0 3227 SPDR S&P 500 ETF TR TR UNIT 78462F103 6671610 15607 SH SOLE 0 220 0 15387 SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 300012 657 SH SOLE 0 0 0 657 SPDR SER TR PORTFOLIO S&P600 78468R853 733978 19891 SH SOLE 0 0 0 19891 SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 9466336 244925 SH SOLE 0 5223 0 239702 STARBUCKS CORP COM 855244109 574167 6291 SH SOLE 0 0 0 6291 STRYKER CORPORATION COM 863667101 473697 1733 SH SOLE 0 0 0 1733 T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 637418 23469 SH SOLE 0 0 0 23469 TARGET CORP COM 87612E106 203456 1840 SH SOLE 0 0 0 1840 TESLA INC COM 88160R101 992197 3965 SH SOLE 0 108 0 3857 THE CIGNA GROUP COM 125523100 215624 754 SH SOLE 0 0 0 754 THE TRADE DESK INC COM CL A 88339J105 228901 2929 SH SOLE 0 0 0 2929 THOR INDS INC COM 885160101 265413 2790 SH SOLE 0 2364 0 426 TIDAL ETF TR GOTHAM ENHNCD 886364835 663974 28021 SH SOLE 0 734 0 27287 TJX COS INC NEW COM 872540109 274275 3086 SH SOLE 0 0 0 3086 TRX GOLD CORPORATION COM 87283P109 36600 100000 SH SOLE 0 0 0 100000 UNILEVER PLC SPON ADR NEW 904767704 320606 6490 SH SOLE 0 0 0 6490 UNION PAC CORP COM 907818108 368509 1810 SH SOLE 0 0 0 1810 UNITED PARCEL SERVICE INC CL B 911312106 218182 1400 SH SOLE 0 0 0 1400 UNITEDHEALTH GROUP INC COM 91324P102 504190 1000 SH SOLE 0 0 0 1000 US BANCORP DEL COM NEW 902973304 377470 11418 SH SOLE 0 4364 0 7054 VALERO ENERGY CORP COM 91913Y100 223618 1578 SH SOLE 0 0 0 1578 VANGUARD BD INDEX FDS INTERMED TERM 921937819 205591 2843 SH SOLE 0 0 0 2843 VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 394397 5652 SH SOLE 0 0 0 5652 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 508720 10636 SH SOLE 0 0 0 10636 VANGUARD INDEX FDS SM CP VAL ETF 922908611 492751 3090 SH SOLE 0 0 0 3090 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1125616 2866 SH SOLE 0 1906 0 960 VANGUARD INDEX FDS SMALL CP ETF 922908751 410888 2173 SH SOLE 0 0 0 2173 VANGUARD INDEX FDS TOTAL STK MKT 922908769 2005568 9442 SH SOLE 0 154 0 9288 VANGUARD INDEX FDS VALUE ETF 922908744 717574 5202 SH SOLE 0 0 0 5202 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 667927 8828 SH SOLE 0 0 0 8828 VANGUARD INDEX FDS GROWTH ETF 922908736 1186455 4357 SH SOLE 0 0 0 4357 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 318689 6144 SH SOLE 0 464 0 5680 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 484227 12350 SH SOLE 0 0 0 12350 VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 28580635 594192 SH SOLE 0 16898 0 577294 VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 317645 4181 SH SOLE 0 0 0 4181 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3743898 49819 SH SOLE 0 33 0 49786 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 357745 2302 SH SOLE 0 0 0 2302 VANGUARD STAR FDS VG TL INTL STK F 921909768 807068 15080 SH SOLE 0 0 0 15080 VANGUARD WORLD FDS INF TECH ETF 92204A702 338973 817 SH SOLE 0 0 0 817 VERIZON COMMUNICATIONS INC COM 92343V104 262049 8085 SH SOLE 0 0 0 8085 VISA INC COM CL A 92826C839 586380 2549 SH SOLE 0 0 0 2549 WALMART INC COM 931142103 1456743 9109 SH SOLE 0 1 0 9108 WELLS FARGO CO NEW COM 949746101 400195 9794 SH SOLE 0 0 0 9794 WEYERHAEUSER CO MTN BE COM NEW 962166104 255624 8337 SH SOLE 0 5136 0 3201