Chief Compliance Officer

0001765594-25-000002.txt : 20250416 0001765594-25-000002.hdr.sgml : 20250416 20250416170430 ACCESSION NUMBER: 0001765594-25-000002 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20250331 FILED AS OF DATE: 20250416 DATE AS OF CHANGE: 20250416 EFFECTIVENESS DATE: 20250416 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CRA Financial Services, LLC CENTRAL INDEX KEY: 0001765594 ORGANIZATION NAME: EIN: 223672834 STATE OF INCORPORATION: NJ FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-19056 FILM NUMBER: 25843475 BUSINESS ADDRESS: STREET 1: 332 TILTON ROAD CITY: NORTHFIELD STATE: NJ ZIP: 08225 BUSINESS PHONE: 609-380-3500 MAIL ADDRESS: STREET 1: 332 TILTON ROAD CITY: NORTHFIELD STATE: NJ ZIP: 08225 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE false false false 0001765594 XXXXXXXX 03-31-2025 03-31-2025 CRA Financial Services, LLC

332 TILTON ROAD NORTHFIELD NJ 08225

13F HOLDINGS REPORT 028-19056 000124004 801-62232 N Donna Savastani Chief Compliance Officer (609) 380-3500 Donna Savastani Northfield NJ 04-16-2025 0 271 584414109 false INFORMATION TABLE 2 cra1q25.xml ABBOTT LABS COM 002824100 659028 4968 SH SOLE 4968 0 0 ABBVIE INC COM 00287Y109 1949328 9304 SH SOLE 9304 0 0 ADAMS DIVERSIFIED EQUITY FD COM 006212104 189900 10000 SH SOLE 10000 0 0 ADOBE INC COM 00724F101 213626 557 SH SOLE 557 0 0 ALPHABET INC CAP STK CL C 02079K107 4276259 27372 SH SOLE 27372 0 0 ALPHABET INC CAP STK CL A 02079K305 10288595 66533 SH SOLE 66533 0 0 ALTRIA GROUP INC COM 02209S103 522382 8703 SH SOLE 8703 0 0 AMAZON COM INC COM 023135106 25732697 135250 SH SOLE 135250 0 0 AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 814195 16822 SH SOLE 16822 0 0 AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 2340517 35892 SH SOLE 35892 0 0 AMERICAN CENTY ETF TR LARGE CAP EQUITY 025072752 312357 4771 SH SOLE 4771 0 0 AMERICAN CENTY ETF TR US SML CP VALU 025072877 1517619 17410 SH SOLE 17410 0 0 AMERICAN CENTY ETF TR US EQT ETF 025072885 229582 2485 SH SOLE 2485 0 0 AMERICAN EXPRESS CO COM 025816109 270395 1005 SH SOLE 1005 0 0 AMERICAN INTL GROUP INC COM NEW 026874784 436874 5025 SH SOLE 5025 0 0 AMGEN INC COM 031162100 719057 2308 SH SOLE 2308 0 0 APPLE INC COM 037833100 45038265 202756 SH SOLE 202756 0 0 AT&T INC COM 00206R102 245233 8672 SH SOLE 8672 0 0 ATAI LIFE SCIENCES NV SHS N0731H103 17548 12903 SH SOLE 12903 0 0 AUTOMATIC DATA PROCESSING IN COM 053015103 268913 880 SH SOLE 880 0 0 BANK AMERICA CORP COM 060505104 1843980 44188 SH SOLE 44188 0 0 BANK NEW YORK MELLON CORP COM 064058100 213947 2551 SH SOLE 2551 0 0 BERKSHIRE HATHAWAY INC DEL CL A 084670108 1596883 2 SH SOLE 2 0 0 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5826958 10941 SH SOLE 10941 0 0 BITWISE BITCOIN ETF TR SHS BEN INT 09174C104 409036 9114 SH SOLE 9114 0 0 BLACKROCK ETF TRUST II ISHARES LARG CAP 092528702 5270120 172423 SH SOLE 172423 0 0 BLACKROCK INC COM 09290D101 363448 384 SH SOLE 384 0 0 BLACKSTONE INC COM 09260D107 389567 2787 SH SOLE 2787 0 0 BOEING CO COM 097023105 552364 3239 SH SOLE 3239 0 0 BOSTON SCIENTIFIC CORP COM 101137107 352172 3491 SH SOLE 3491 0 0 BP PLC SPONSORED ADR 055622104 252884 7484 SH SOLE 7484 0 0 BROADCOM INC COM 11135F101 3969775 23710 SH SOLE 23710 0 0 BROOKFIELD CORP CL A LTD VT SH 11271J107 419280 8000 SH SOLE 8000 0 0 BROWN FORMAN CORP CL B 115637209 339638 10007 SH SOLE 10007 0 0 CABALETTA BIO INC COM 12674W109 15235 11000 SH SOLE 11000 0 0 CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 227386 6639 SH SOLE 6639 0 0 CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109 319214 13040 SH SOLE 13040 0 0 CAPITAL GROUP NEW GEOGRAPHY SHS 14021N105 1857085 73811 SH SOLE 73811 0 0 CATERPILLAR INC COM 149123101 1133523 3437 SH SOLE 3437 0 0 CHEVRON CORP NEW COM 166764100 2337068 13970 SH SOLE 13970 0 0 CISCO SYS INC COM 17275R102 708307 11478 SH SOLE 11478 0 0 COCA COLA CO COM 191216100 994086 13880 SH SOLE 13880 0 0 COINBASE GLOBAL INC COM CL A 19260Q107 234922 1364 SH SOLE 1364 0 0 COMCAST CORP NEW CL A 20030N101 501852 13600 SH SOLE 13600 0 0 CONOCOPHILLIPS COM 20825C104 483332 4602 SH SOLE 4602 0 0 CONSTELLATION ENERGY CORP COM 21037T109 543191 2694 SH SOLE 2694 0 0 COSTCO WHSL CORP NEW COM 22160K105 1507573 1594 SH SOLE 1594 0 0 CROWDSTRIKE HLDGS INC CL A 22788C105 997096 2828 SH SOLE 2828 0 0 CUMMINS INC COM 231021106 214706 685 SH SOLE 685 0 0 DEERE & CO COM 244199105 552667 1178 SH SOLE 1178 0 0 DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 959697 15868 SH SOLE 15868 0 0 DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 602698 10087 SH SOLE 10087 0 0 DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 890631 26997 SH SOLE 26997 0 0 DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 769143 18664 SH SOLE 18664 0 0 DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 318108 8082 SH SOLE 8082 0 0 DISNEY WALT CO COM 254687106 1656129 16779 SH SOLE 16779 0 0 DNP SELECT INCOME FD INC COM 23325P104 210064 21240 SH SOLE 21240 0 0 DUKE ENERGY CORP NEW COM NEW 26441C204 409819 3360 SH SOLE 3360 0 0 ELI LILLY & CO COM 532457108 3358573 4067 SH SOLE 4067 0 0 ENTERPRISE PRODS PARTNERS L COM 293792107 479599 14048 SH SOLE 14048 0 0 EOG RES INC COM 26875P101 243528 1899 SH SOLE 1899 0 0 EXELON CORP COM 30161N101 262287 5692 SH SOLE 5692 0 0 EXXON MOBIL CORP COM 30231G102 4132608 34748 SH SOLE 34748 0 0 FEDEX CORP COM 31428X106 265562 1089 SH SOLE 1089 0 0 FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 1974643 29011 SH SOLE 29011 0 0 FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352 1763237 44114 SH SOLE 44114 0 0 FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 244641 9575 SH SOLE 9575 0 0 FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A107 718843 23385 SH SOLE 23385 0 0 FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 4527473 99178 SH SOLE 99178 0 0 FIDELITY WISE ORIGIN BITCOIN SHS 315948109 1376740 19129 SH SOLE 19129 0 0 FISERV INC COM 337738108 630911 2857 SH SOLE 2857 0 0 FORD MTR CO COM 345370860 171417 17090 SH SOLE 17090 0 0 GE AEROSPACE COM NEW 369604301 399489 1996 SH SOLE 1996 0 0 GENERAL DYNAMICS CORP COM 369550108 255407 937 SH SOLE 937 0 0 GOLDMAN SACHS GROUP INC COM 38141G104 431682 790 SH SOLE 790 0 0 GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109 1634073 25074 SH SOLE 25074 0 0 GRAYSCALE ETHEREUM TRUST ETF SHS 389638107 210340 13820 SH SOLE 13820 0 0 HARBOR ETF TRUST INTERNATNAL COMP 41151J885 419173 15797 SH SOLE 15797 0 0 HOME DEPOT INC COM 437076102 6032283 16460 SH SOLE 16460 0 0 HONEYWELL INTL INC COM 438516106 901420 4257 SH SOLE 4257 0 0 INNOVATOR ETFS TRUST GRWT100 PWR BUF 45782C276 550565 9172 SH SOLE 9172 0 0 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C318 219275 6125 SH SOLE 6125 0 0 INNOVATOR ETFS TRUST GRWT100 PWR BF 45782C334 580938 12179 SH SOLE 12179 0 0 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C383 2252602 56407 SH SOLE 56407 0 0 INNOVATOR ETFS TRUST US EQTY BUFR JAN 45782C409 488891 10484 SH SOLE 10484 0 0 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417 1031616 28800 SH SOLE 28800 0 0 INNOVATOR ETFS TRUST US EQTY BUFR FEB 45782C433 446159 10743 SH SOLE 10743 0 0 INNOVATOR ETFS TRUST GRWT100 PWR BF 45782C466 354050 7635 SH SOLE 7635 0 0 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508 3703644 89309 SH SOLE 89309 0 0 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C540 6333090 168433 SH SOLE 168433 0 0 INNOVATOR ETFS TRUST US EQTY BUF DEC 45782C557 371261 8870 SH SOLE 8870 0 0 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573 1750010 47018 SH SOLE 47018 0 0 INNOVATOR ETFS TRUST US EQTY BUF NOV 45782C581 353448 9255 SH SOLE 9255 0 0 INNOVATOR ETFS TRUST US SML CP PWR B 45782C599 310824 10620 SH SOLE 10620 0 0 INNOVATOR ETFS TRUST GRWT100 PWR BUF 45782C615 473031 9515 SH SOLE 9515 0 0 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C656 218937 5700 SH SOLE 5700 0 0 INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C672 863077 24930 SH SOLE 24930 0 0 INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680 3247342 85954 SH SOLE 85954 0 0 INNOVATOR ETFS TRUST US EQUT BUFR AUG 45782C698 494076 11639 SH SOLE 11639 0 0 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C748 968552 26170 SH SOLE 26170 0 0 INNOVATOR ETFS TRUST US EQTY BUFR JUN 45782C755 244028 6025 SH SOLE 6025 0 0 INNOVATOR ETFS TRUST US EQTY BUFR JUL 45782C789 325980 7550 SH SOLE 7550 0 0 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C797 1425033 36680 SH SOLE 36680 0 0 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813 2597681 64635 SH SOLE 64635 0 0 INNOVATOR ETFS TRUST US EQT PWR BUF 45782C870 2465176 69130 SH SOLE 69130 0 0 INNOVATOR ETFS TRUST US EQUITY ACCELE 45783Y301 268632 7695 SH SOLE 7695 0 0 INNOVATOR ETFS TRUST U S EQ 10 BUFFER 45783Y442 7428625 249534 SH SOLE 249534 0 0 INNOVATOR ETFS TRUST QUITY MANAGD FLR 45783Y673 427061 13605 SH SOLE 13605 0 0 INNOVATOR ETFS TRUST US EQTY ACCELRT9 45783Y848 682367 22915 SH SOLE 22915 0 0 INNOVATOR ETFS TRUST DEFINED WLT SHLD 45783Y855 8590185 273747 SH SOLE 273747 0 0 INNOVATOR ETFS TRUST EQUITY DEFINED P 45784N106 1001655 40185 SH SOLE 40185 0 0 INTERNATIONAL BUSINESS MACHS COM 459200101 1150306 4626 SH SOLE 4626 0 0 INTUITIVE SURGICAL INC COM NEW 46120E602 236739 478 SH SOLE 478 0 0 INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 321694 4305 SH SOLE 4305 0 0 INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 961439 4981 SH SOLE 4981 0 0 INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460 812246 48960 SH SOLE 48960 0 0 INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528 244800 10000 SH SOLE 10000 0 0 INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577 1109632 59883 SH SOLE 59883 0 0 INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635 325815 14050 SH SOLE 14050 0 0 INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 1978364 97217 SH SOLE 97217 0 0 INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 2367519 120853 SH SOLE 120853 0 0 INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 2823776 144958 SH SOLE 144958 0 0 INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817 867209 37623 SH SOLE 37623 0 0 INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 4049175 195802 SH SOLE 195802 0 0 INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 557105 18726 SH SOLE 18726 0 0 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 5121527 29565 SH SOLE 29565 0 0 INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 503831 12468 SH SOLE 12468 0 0 INVESCO QQQ TR UNIT SER 1 46090E103 18639970 39751 SH SOLE 39751 0 0 ISHARES GOLD TR ISHARES NEW 464285204 385245 6534 SH SOLE 6534 0 0 ISHARES TR CORE S&P TTL STK 464287150 308511 2529 SH SOLE 2529 0 0 ISHARES TR SELECT DIVID ETF 464287168 1279649 9529 SH SOLE 9529 0 0 ISHARES TR CORE S&P500 ETF 464287200 14835514 26402 SH SOLE 26402 0 0 ISHARES TR S&P 500 GRWT ETF 464287309 703744 7581 SH SOLE 7581 0 0 ISHARES TR S&P 500 VAL ETF 464287408 1274599 6688 SH SOLE 6688 0 0 ISHARES TR MSCI EAFE ETF 464287465 205540 2515 SH SOLE 2515 0 0 ISHARES TR RUS MD CP GR ETF 464287481 308764 2628 SH SOLE 2628 0 0 ISHARES TR RUS MID CAP ETF 464287499 349338 4106 SH SOLE 4106 0 0 ISHARES TR CORE S&P MCP ETF 464287507 4585766 78591 SH SOLE 78591 0 0 ISHARES TR RUS 1000 VAL ETF 464287598 888868 4724 SH SOLE 4724 0 0 ISHARES TR S&P MC 400GR ETF 464287606 457540 5494 SH SOLE 5494 0 0 ISHARES TR RUS 1000 GRW ETF 464287614 3278343 9079 SH SOLE 9079 0 0 ISHARES TR RUSSELL 2000 ETF 464287655 668447 3351 SH SOLE 3351 0 0 ISHARES TR RUSSELL 3000 ETF 464287689 209642 660 SH SOLE 660 0 0 ISHARES TR S&P MC 400VL ETF 464287705 326458 2727 SH SOLE 2727 0 0 ISHARES TR CORE S&P SCP ETF 464287804 2429546 23234 SH SOLE 23234 0 0 ISHARES TR S&P SML 600 GWT 464287887 311250 2500 SH SOLE 2500 0 0 ISHARES TR NATIONAL MUN ETF 464288414 252002 2390 SH SOLE 2390 0 0 ISHARES TR ESG MSCI KLD 400 464288570 232977 2275 SH SOLE 2275 0 0 ISHARES TR USD INV GRDE ETF 464288620 777180 15215 SH SOLE 15215 0 0 ISHARES TR PFD AND INCM SEC 464288687 392361 12768 SH SOLE 12768 0 0 ISHARES TR US AER DEF ETF 464288760 571272 3731 SH SOLE 3731 0 0 ISHARES TR EAFE GRWTH ETF 464288885 212500 2125 SH SOLE 2125 0 0 ISHARES TR CORE HIGH DV ETF 46429B663 3134460 25879 SH SOLE 25879 0 0 ISHARES TR MSCI USA MMENTM 46432F396 653284 3232 SH SOLE 3232 0 0 ISHARES TR CORE MSCI EAFE 46432F842 669612 8851 SH SOLE 8851 0 0 ISHARES TR CORE DIV GRWTH 46434V621 1252721 20277 SH SOLE 20277 0 0 ISHARES TR ESG AWR MSCI USA 46435G425 211869 1738 SH SOLE 1738 0 0 ISHARES TR ESG SELECT SCRE 46436E569 225824 5278 SH SOLE 5278 0 0 ISHARES TR LARGE CAP MAX BU 46438G612 1470447 57016 SH SOLE 57016 0 0 J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167 211969 3336 SH SOLE 3336 0 0 J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 326087 5707 SH SOLE 5707 0 0 J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 933651 19848 SH SOLE 19848 0 0 J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 4595292 90762 SH SOLE 90762 0 0 JANUS DETROIT STR TR B-BBB CLO ETF 47103U753 233616 4800 SH SOLE 4800 0 0 JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 3911912 77143 SH SOLE 77143 0 0 JOHNSON & JOHNSON COM 478160104 1542182 9299 SH SOLE 9299 0 0 JPMORGAN CHASE & CO. COM 46625H100 2725089 11109 SH SOLE 11109 0 0 LINDE PLC SHS G54950103 214660 461 SH SOLE 461 0 0 LOCKHEED MARTIN CORP COM 539830109 1004651 2249 SH SOLE 2249 0 0 LOWES COS INC COM 548661107 596836 2559 SH SOLE 2559 0 0 MARATHON PETE CORP COM 56585A102 262697 1803 SH SOLE 1803 0 0 MARVELL TECHNOLOGY INC COM 573874104 1040348 16897 SH SOLE 16897 0 0 MASTERCARD INCORPORATED CL A 57636Q104 3793033 6920 SH SOLE 6920 0 0 MCDONALDS CORP COM 580135101 1234657 3953 SH SOLE 3953 0 0 MCKESSON CORP COM 58155Q103 370145 550 SH SOLE 550 0 0 MERCADOLIBRE INC COM 58733R102 210694 108 SH SOLE 108 0 0 MERCK & CO INC COM 58933Y105 1078492 12015 SH SOLE 12015 0 0 META PLATFORMS INC CL A 30303M102 8186945 14205 SH SOLE 14205 0 0 MICROSOFT CORP COM 594918104 15638166 41658 SH SOLE 41658 0 0 NETFLIX INC COM 64110L106 2293278 2459 SH SOLE 2459 0 0 NEXTERA ENERGY INC COM 65339F101 2138070 30160 SH SOLE 30160 0 0 NORFOLK SOUTHN CORP COM 655844108 222876 941 SH SOLE 941 0 0 NOVARTIS AG SPONSORED ADR 66987V109 209248 1877 SH SOLE 1877 0 0 NVIDIA CORPORATION COM 67066G104 13186374 121668 SH SOLE 121668 0 0 ORACLE CORP COM 68389X105 322155 2304 SH SOLE 2304 0 0 PACER FDS TR US CASH COWS 100 69374H881 312132 5700 SH SOLE 5700 0 0 PALANTIR TECHNOLOGIES INC CL A 69608A108 616795 7308 SH SOLE 7308 0 0 PALO ALTO NETWORKS INC COM 697435105 1262736 7400 SH SOLE 7400 0 0 PAYCHEX INC COM 704326107 365644 2370 SH SOLE 2370 0 0 PEPSICO INC COM 713448108 1051925 7016 SH SOLE 7016 0 0 PFIZER INC COM 717081103 264236 10428 SH SOLE 10428 0 0 PHILIP MORRIS INTL INC COM 718172109 537777 3388 SH SOLE 3388 0 0 PIMCO ETF TR MULTISECTOR BD 72201R585 464630 17633 SH SOLE 17633 0 0 PNC FINL SVCS GROUP INC COM 693475105 213318 1214 SH SOLE 1214 0 0 PPL CORP COM 69351T106 408043 11300 SH SOLE 11300 0 0 PROCTER AND GAMBLE CO COM 742718109 1828186 10728 SH SOLE 10728 0 0 PROSHARES TR PSHS ULT S&P 500 74347R107 356730 4309 SH SOLE 4309 0 0 PROSHARES TR PSHS ULTRA QQQ 74347R206 235888 2654 SH SOLE 2654 0 0 PUBLIC SVC ENTERPRISE GRP IN COM 744573106 344675 4188 SH SOLE 4188 0 0 QUALCOMM INC COM 747525103 1219663 7940 SH SOLE 7940 0 0 RTX CORPORATION COM 75513E101 671905 5073 SH SOLE 5073 0 0 SALESFORCE INC COM 79466L302 310068 1155 SH SOLE 1155 0 0 SCHWAB CHARLES CORP COM 808513105 237188 3030 SH SOLE 3030 0 0 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3488895 162048 SH SOLE 162048 0 0 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 238309 10793 SH SOLE 10793 0 0 SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 24577893 981545 SH SOLE 981545 0 0 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2218544 84677 SH SOLE 84677 0 0 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1570060 67011 SH SOLE 67011 0 0 SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 210625 8921 SH SOLE 8921 0 0 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 31564285 1128909 SH SOLE 1128909 0 0 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4993547 252454 SH SOLE 252454 0 0 SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 432472 2962 SH SOLE 2962 0 0 SELECT SECTOR SPDR TR ENERGY 81369Y506 1275460 13649 SH SOLE 13649 0 0 SELECT SECTOR SPDR TR FINANCIAL 81369Y605 329472 6615 SH SOLE 6615 0 0 SELECT SECTOR SPDR TR INDL 81369Y704 360290 2749 SH SOLE 2749 0 0 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 439612 2129 SH SOLE 2129 0 0 SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 212479 2203 SH SOLE 2203 0 0 SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 980373 12433 SH SOLE 12433 0 0 SELECTIVE INS GROUP INC COM 816300107 269860 2948 SH SOLE 2948 0 0 SHELL PLC SPON ADS 780259305 264174 3605 SH SOLE 3605 0 0 SOUTHERN CO COM 842587107 275758 2999 SH SOLE 2999 0 0 SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 1392457 3316 SH SOLE 3316 0 0 SPDR GOLD TR GOLD SHS 78463V107 1734315 6019 SH SOLE 6019 0 0 SPDR S&P 500 ETF TR TR UNIT 78462F103 9501138 16985 SH SOLE 16985 0 0 SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 362233 679 SH SOLE 679 0 0 SPDR SER TR S&P DIVID ETF 78464A763 14029134 103399 SH SOLE 103399 0 0 SPDR SER TR PORTFOLI S&P1500 78464A805 226946 3337 SH SOLE 3337 0 0 STARBUCKS CORP COM 855244109 275633 2810 SH SOLE 2810 0 0 STRYKER CORPORATION COM 863667101 213672 574 SH SOLE 574 0 0 T ROWE PRICE ETF INC ULTRA SHRT TRM 87283Q701 1309738 26385 SH SOLE 26385 0 0 T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867 1838959 56969 SH SOLE 56969 0 0 TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 258462 1557 SH SOLE 1557 0 0 TESLA INC COM 88160R101 1945255 7506 SH SOLE 7506 0 0 TORONTO DOMINION BK ONT COM NEW 891160509 547962 9142 SH SOLE 9142 0 0 TRAVELERS COMPANIES INC COM 89417E109 313121 1184 SH SOLE 1184 0 0 UBER TECHNOLOGIES INC COM 90353T100 458144 6288 SH SOLE 6288 0 0 UNITED PARCEL SERVICE INC CL B 911312106 802616 7297 SH SOLE 7297 0 0 UNITEDHEALTH GROUP INC COM 91324P102 1510060 2883 SH SOLE 2883 0 0 VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1683577 17445 SH SOLE 17445 0 0 VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 456784 4628 SH SOLE 4628 0 0 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 7111587 13838 SH SOLE 13838 0 0 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 215143 879 SH SOLE 879 0 0 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1137474 12563 SH SOLE 12563 0 0 VANGUARD INDEX FDS MID CAP ETF 922908629 10989643 42493 SH SOLE 42493 0 0 VANGUARD INDEX FDS GROWTH ETF 922908736 1617146 4361 SH SOLE 4361 0 0 VANGUARD INDEX FDS VALUE ETF 922908744 1515264 8772 SH SOLE 8772 0 0 VANGUARD INDEX FDS SMALL CP ETF 922908751 13368035 60284 SH SOLE 60284 0 0 VANGUARD INDEX FDS TOTAL STK MKT 922908769 1387667 5049 SH SOLE 5049 0 0 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 422982 6973 SH SOLE 6973 0 0 VANGUARD MUN BD FDS SHORT TAX EXEMPT 922907696 1278661 16973 SH SOLE 16973 0 0 VANGUARD MUN BD FDS CORE TAX EXEMPT 922907712 1435430 19335 SH SOLE 19335 0 0 VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 379511 4090 SH SOLE 4090 0 0 VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3680234 45013 SH SOLE 45013 0 0 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 16090728 82946 SH SOLE 82946 0 0 VANGUARD STAR FDS VG TL INTL STK F 921909768 443801 7147 SH SOLE 7147 0 0 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 329988 6492 SH SOLE 6492 0 0 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1259500 9767 SH SOLE 9767 0 0 VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 2892323 39250 SH SOLE 39250 0 0 VANGUARD WORLD FD ENERGY ETF 92204A306 287519 2217 SH SOLE 2217 0 0 VANGUARD WORLD FD HEALTH CAR ETF 92204A504 1017093 3842 SH SOLE 3842 0 0 VANGUARD WORLD FD INF TECH ETF 92204A702 1485036 2738 SH SOLE 2738 0 0 VERIZON COMMUNICATIONS INC COM 92343V104 313562 6913 SH SOLE 6913 0 0 VISA INC COM CL A 92826C839 5717898 16315 SH SOLE 16315 0 0 WALMART INC COM 931142103 1327462 15121 SH SOLE 15121 0 0 WASTE MGMT INC DEL COM 94106L109 324316 1401 SH SOLE 1401 0 0 WEC ENERGY GROUP INC COM 92939U106 332468 3051 SH SOLE 3051 0 0 WELLS FARGO CO NEW COM 949746101 278473 3879 SH SOLE 3879 0 0 WESTWATER RES INC COM NEW 961684206 8271 15000 SH SOLE 15000 0 0 WISDOMTREE TR US LARGECAP DIVD 97717W307 2532237 31904 SH SOLE 31904 0 0 WISDOMTREE TR US QTLY DIV GRT 97717X669 13140667 164546 SH SOLE 164546 0 0 XCEL ENERGY INC COM 98389B100 224900 3177 SH SOLE 3177 0 0