Chief Compliance Officer

0001843110-23-000003.txt : 20230718 0001843110-23-000003.hdr.sgml : 20230718 20230718164523 ACCESSION NUMBER: 0001843110-23-000003 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230630 FILED AS OF DATE: 20230718 DATE AS OF CHANGE: 20230718 EFFECTIVENESS DATE: 20230718 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Annapolis Financial Services, LLC CENTRAL INDEX KEY: 0001843110 IRS NUMBER: 522258532 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-20662 FILM NUMBER: 231094781 BUSINESS ADDRESS: STREET 1: 582 BELLERIVE ROAD, SUITE 4D CITY: ANNAPOLIS STATE: MD ZIP: 21409 BUSINESS PHONE: 410-626-8198 MAIL ADDRESS: STREET 1: 582 BELLERIVE ROAD, SUITE 4D CITY: ANNAPOLIS STATE: MD ZIP: 21409 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE false false false 0001843110 XXXXXXXX 06-30-2023 06-30-2023 Annapolis Financial Services, LLC

582 BELLERIVE ROAD, SUITE 4D ANNAPOLIS MD 21409

13F HOLDINGS REPORT 028-20662 000123095 801-95167 N Lyn Dippel Chief Compliance Officer 410-626-8198 Lyn Dippel Annapolis MD 07-18-2023 0 487 351036694 false INFORMATION TABLE 2 baypoint2q23.xml 3M CO COM 88579Y101 52748 527 SH SOLE 0 0 527 ABBOTT LABS COM 002824100 152847 1402 SH SOLE 0 0 1402 ABBVIE INC COM 00287Y109 148608 1103 SH SOLE 0 0 1103 ACCENTURE PLC IRELAND SHS CLASS A G1151C101 4012 13 SH SOLE 0 0 13 ADOBE SYSTEMS INCORPORATED COM 00724F101 2934 6 SH SOLE 0 0 6 ADVISORSHARES TR PURE US CANNABIS 00768Y453 28 5 SH SOLE 0 0 5 AFLAC INC COM 001055102 24430 350 SH SOLE 0 0 350 ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 251 3 SH SOLE 0 0 3 ALPHABET INC CAP STK CL A 02079K305 286921 2397 SH SOLE 0 0 2397 ALPHABET INC CAP STK CL C 02079K107 1360550 11247 SH SOLE 0 0 11247 ALTRIA GROUP INC COM 02209S103 7566 167 SH SOLE 0 0 167 AMAZON COM INC COM 023135106 458737 3519 SH SOLE 0 0 3519 AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232 213177 3552 SH SOLE 0 0 3552 AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 3284455 61038 SH SOLE 0 0 61038 AMERICAN CENTY ETF TR AVANTIS RESPON U 025072281 70372 1363 SH SOLE 0 0 1363 AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072315 4685 102 SH SOLE 0 0 102 AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072299 6555 128 SH SOLE 0 0 128 AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 171387 3756 SH SOLE 0 0 3756 AMERICAN CENTY ETF TR INTL EQT ETF 025072703 15404228 268366 SH SOLE 0 0 268366 AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 1477982 25677 SH SOLE 0 0 25677 AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356 21862 534 SH SOLE 0 0 534 AMERICAN CENTY ETF TR US EQT ETF 025072885 5175629 68834 SH SOLE 0 0 68834 AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 9870 185 SH SOLE 0 0 185 AMERICAN CENTY ETF TR US SML CP VALU 025072877 2201061 28361 SH SOLE 0 0 28361 AMERICAN ELEC PWR CO INC COM 025537101 9431 112 SH SOLE 0 0 112 AMERICAN EXPRESS CO COM 025816109 29440 169 SH SOLE 0 0 169 AMERICAN INTL GROUP INC COM NEW 026874784 7941 138 SH SOLE 0 0 138 AMERICAN TOWER CORP NEW COM 03027X100 20170 104 SH SOLE 0 0 104 AMERIPRISE FINL INC COM 03076C106 2326 7 SH SOLE 0 0 7 AMGEN INC COM 031162100 59946 270 SH SOLE 0 0 270 AMPLIFY ETF TR SEYMOUR CANNBS 032108854 30 8 SH SOLE 0 0 8 ANALOG DEVICES INC COM 032654105 14027 72 SH SOLE 0 0 72 ANSYS INC COM 03662Q105 10569 32 SH SOLE 0 0 32 APOLLO GLOBAL MGMT INC COM 03769M106 9602 125 SH SOLE 0 0 125 APPLE INC COM 037833100 2436308 12560 SH SOLE 0 0 12560 APPLIED MATLS INC COM 038222105 2458 17 SH SOLE 0 0 17 APTIV PLC SHS G6095L109 12762 125 SH SOLE 0 0 125 APYX MEDICAL CORPORATION COM 03837C106 7888 1568 SH SOLE 0 0 1568 ARCH CAP GROUP LTD ORD G0450A105 177021 2365 SH SOLE 0 0 2365 ARK ETF TR AUTNMUS TECHNLGY 00214Q203 1691 30 SH SOLE 0 0 30 ARK ETF TR INNOVATION ETF 00214Q104 7460 169 SH SOLE 0 0 169 AT&T INC COM 00206R102 34264 2148 SH SOLE 0 0 2148 ATMOS ENERGY CORP COM 049560105 1397 12 SH SOLE 0 0 12 AUTOMATIC DATA PROCESSING IN COM 053015103 202207 920 SH SOLE 0 0 920 AUTONATION INC COM 05329W102 190948 1160 SH SOLE 0 0 1160 BANK AMERICA CORP 7.25pcnt CNV PFD L 060505682 5860 5 SH SOLE 0 0 5 BANK AMERICA CORP COM 060505104 318516 11102 SH SOLE 0 0 11102 BECTON DICKINSON & CO COM 075887109 1849 7 SH SOLE 0 0 7 BERKSHIRE HATHAWAY INC DEL CL A 084670108 517810 1 SH SOLE 0 0 1 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 752246 2206 SH SOLE 0 0 2206 BHP GROUP LTD SPONSORED ADS 088606108 4297 72 SH SOLE 0 0 72 BLACKROCK INC COM 09247X101 35249 51 SH SOLE 0 0 51 BLOCK H & R INC COM 093671105 2741 86 SH SOLE 0 0 86 BOEING CO COM 097023105 43499 206 SH SOLE 0 0 206 BRISTOL-MYERS SQUIBB CO COM 110122108 197350 3086 SH SOLE 0 0 3086 BROADCOM INC COM 11135F101 72865 84 SH SOLE 0 0 84 BROADRIDGE FINL SOLUTIONS IN COM 11133T103 33126 200 SH SOLE 0 0 200 BROOKFIELD RENEWABLE CORP CL A SUB VTG 11284V105 30071 954 SH SOLE 0 0 954 BROWN & BROWN INC COM 115236101 85087 1236 SH SOLE 0 0 1236 BROWN FORMAN CORP CL A 115637100 36758 540 SH SOLE 0 0 540 BROWN FORMAN CORP CL B 115637209 599084 8971 SH SOLE 0 0 8971 CALLON PETE CO DEL COM 13123X508 13292 379 SH SOLE 0 0 379 CANADIAN PACIFIC KANSAS CITY COM 13646K108 44666 553 SH SOLE 0 0 553 CANOPY GROWTH CORP COM 138035100 10 25 SH SOLE 0 0 25 CAPITAL ONE FINL CORP COM 14040H105 34105 312 SH SOLE 0 0 312 CARGURUS INC COM CL A 141788109 22630 1000 SH SOLE 0 0 1000 CARRIER GLOBAL CORPORATION COM 14448C104 15808 318 SH SOLE 0 0 318 CATERPILLAR INC COM 149123101 18208 74 SH SOLE 0 0 74 CENTENE CORP DEL COM 15135B101 5936 88 SH SOLE 0 0 88 CENTRAIS ELETRICAS BRASILEIR SPONSORED ADR 15234Q207 3284 397 SH SOLE 0 0 397 CHEVRON CORP NEW COM 166764100 109359 695 SH SOLE 0 0 695 CHIPOTLE MEXICAN GRILL INC COM 169656105 36363 17 SH SOLE 0 0 17 CHUBB LIMITED COM H1467J104 33313 173 SH SOLE 0 0 173 CHURCH & DWIGHT CO INC COM 171340102 1604 16 SH SOLE 0 0 16 CISCO SYS INC COM 17275R102 604738 11688 SH SOLE 0 0 11688 CITIGROUP INC COM NEW 172967424 1428 31 SH SOLE 0 0 31 COCA COLA CO COM 191216100 42877 712 SH SOLE 0 0 712 COMCAST CORP NEW CL A 20030N101 58794 1415 SH SOLE 0 0 1415 CONDUENT INC COM 206787103 174 51 SH SOLE 0 0 51 CONOCOPHILLIPS COM 20825C104 19790 191 SH SOLE 0 0 191 CONSOLIDATED EDISON INC COM 209115104 27120 300 SH SOLE 0 0 300 CONSTELLATION BRANDS INC CL A 21036P108 18460 75 SH SOLE 0 0 75 CONSTELLATION ENERGY CORP COM 21037T109 8515 93 SH SOLE 0 0 93 COPART INC COM 217204106 32836 360 SH SOLE 0 0 360 CORBUS PHARMACEUTICALS HLDGS COM NEW 21833P301 181 23 SH SOLE 0 0 23 CORNING INC COM 219350105 3504 100 SH SOLE 0 0 100 CORTEVA INC COM 22052L104 4871 85 SH SOLE 0 0 85 COSTAR GROUP INC COM 22160N109 18690 210 SH SOLE 0 0 210 COSTCO WHSL CORP NEW COM 22160K105 76010 141 SH SOLE 0 0 141 COTERRA ENERGY INC COM 127097103 937 37 SH SOLE 0 0 37 CRH PLC ADR 12626K203 5685 102 SH SOLE 0 0 102 CSX CORP COM 126408103 42046 1233 SH SOLE 0 0 1233 CUBESMART COM 229663109 641988 14375 SH SOLE 0 0 14375 D R HORTON INC COM 23331A109 89564 736 SH SOLE 0 0 736 DANAHER CORPORATION COM 235851102 35040 146 SH SOLE 0 0 146 DBV TECHNOLOGIES S A SPONSORED ADR 23306J101 513 270 SH SOLE 0 0 270 DEERE & CO COM 244199105 55106 136 SH SOLE 0 0 136 DESKTOP METAL INC COM CL A 25058X105 885 500 SH SOLE 0 0 500 DIAGEO PLC SPON ADR NEW 25243Q205 11450 66 SH SOLE 0 0 66 DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 732529 17554 SH SOLE 0 0 17554 DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682 40607 1334 SH SOLE 0 0 1334 DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 5770564 245975 SH SOLE 0 0 245975 DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 1494968 36189 SH SOLE 0 0 36189 DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 37789 1241 SH SOLE 0 0 1241 DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 549581 16730 SH SOLE 0 0 16730 DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 9041199 330937 SH SOLE 0 0 330937 DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 413664 16898 SH SOLE 0 0 16898 DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 625685 26456 SH SOLE 0 0 26456 DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 696637 14626 SH SOLE 0 0 14626 DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 9128030 196937 SH SOLE 0 0 196937 DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 20391539 658004 SH SOLE 0 0 658004 DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 4025911 148284 SH SOLE 0 0 148284 DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 1957588 40648 SH SOLE 0 0 40648 DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 1065581 40150 SH SOLE 0 0 40150 DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 353772 13928 SH SOLE 0 0 13928 DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 1555433 45085 SH SOLE 0 0 45085 DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 2310646 107372 SH SOLE 0 0 107372 DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 6599158 120423 SH SOLE 0 0 120423 DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 1208389 47019 SH SOLE 0 0 47019 DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 133737 4659 SH SOLE 0 0 4659 DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 2925354 63060 SH SOLE 0 0 63060 DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1016895 43625 SH SOLE 0 0 43625 DISNEY WALT CO COM 254687106 107761 1207 SH SOLE 0 0 1207 DOLLAR GEN CORP NEW COM 256677105 107811 635 SH SOLE 0 0 635 DOMINION ENERGY INC COM 25746U109 43452 839 SH SOLE 0 0 839 DOUGLAS DYNAMICS INC COM 25960R105 11957 400 SH SOLE 0 0 400 DOW INC COM 260557103 10706 201 SH SOLE 0 0 201 DRAFTKINGS INC NEW COM CL A 26142V105 532 20 SH SOLE 0 0 20 DUPONT DE NEMOURS INC COM 26614N102 6073 85 SH SOLE 0 0 85 EASTMAN CHEM CO COM 277432100 3433 41 SH SOLE 0 0 41 EATON CORP PLC SHS G29183103 7240 36 SH SOLE 0 0 36 EBAY INC. COM 278642103 8045 180 SH SOLE 0 0 180 ECOLAB INC COM 278865100 37338 200 SH SOLE 0 0 200 EDWARDS LIFESCIENCES CORP COM 28176E108 19621 208 SH SOLE 0 0 208 ENERGY TRANSFER L P COM UT LTD PTN 29273V100 6516 513 SH SOLE 0 0 513 EQUINOR ASA SPONSORED ADR 29446M102 1315 45 SH SOLE 0 0 45 EQUITY RESIDENTIAL SH BEN INT 29476L107 15372 233 SH SOLE 0 0 233 EXELON CORP COM 30161N101 11367 279 SH SOLE 0 0 279 EXXON MOBIL CORP COM 30231G102 222759 2077 SH SOLE 0 0 2077 F&G ANNUITIES & LIFE INC COMMON STOCK 30190A104 496 20 SH SOLE 0 0 20 FACTSET RESH SYS INC COM 303075105 107775 269 SH SOLE 0 0 269 FASTENAL CO COM 311900104 75862 1286 SH SOLE 0 0 1286 FEDEX CORP COM 31428X106 39563 160 SH SOLE 0 0 160 FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 10800 300 SH SOLE 0 0 300 FIRSTENERGY CORP COM 337932107 8826 227 SH SOLE 0 0 227 FISERV INC COM 337738108 36079 286 SH SOLE 0 0 286 FIVE BELOW INC COM 33829M101 99646 507 SH SOLE 0 0 507 FLEXSHARES TR FLEXSHARES ULTRA 33939L886 2549 34 SH SOLE 0 0 34 FLEXSHARES TR IBOXX 3R TARGT 33939L506 15671 666 SH SOLE 0 0 666 FLEXSHARES TR M STAR DEV MKT 33939L803 44069 679 SH SOLE 0 0 679 FLEXSHARES TR MORNSTAR UPSTR 33939L407 18232 455 SH SOLE 0 0 455 FLEXSHARES TR MORNSTAR USMKT 33939L100 102997 611 SH SOLE 0 0 611 FLEXSHARES TR MSTAR EMKT FAC 33939L308 10429 214 SH SOLE 0 0 214 FLEXSHARES TR STOXX GLOBR INF 33939L795 3404 65 SH SOLE 0 0 65 FMC CORP COM NEW 302491303 89 85 SH SOLE 0 0 85 FORD MTR CO DEL COM 345370860 4831 319 SH SOLE 0 0 319 FRESENIUS MED CARE AG&CO KGA SPONSORED ADR 358029106 55710 2328 SH SOLE 0 0 2328 FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101 31806 6696 SH SOLE 0 0 6696 GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 10399 128 SH SOLE 0 0 128 GENERAC HLDGS INC COM 368736104 2983 20 SH SOLE 0 0 20 GENERAL DYNAMICS CORP COM 369550108 33604 156 SH SOLE 0 0 156 GENERAL ELECTRIC CO COM NEW 369604301 42822 390 SH SOLE 0 0 390 GENERAL MTRS CO COM 37045V100 22327 579 SH SOLE 0 0 579 GENUINE PARTS CO COM 372460105 19970 118 SH SOLE 0 0 118 GLEN BURNIE BANCORP COM 377407101 7790 1000 SH SOLE 0 0 1000 GLOBAL MED REIT INC COM NEW 37954A204 40777 4466 SH SOLE 0 0 4466 GLOBAL X FDS CANNABIS ETF NEW 37954Y145 39 6 SH SOLE 0 0 6 GLOBAL X FDS US PFD ETF 37954Y657 12667 653 SH SOLE 0 0 653 GLOBANT S A COM L44385109 13839 77 SH SOLE 0 0 77 GOLDMAN SACHS GROUP INC COM 38141G104 16712 52 SH SOLE 0 0 52 GRAND CANYON ED INC COM 38526M106 11354 110 SH SOLE 0 0 110 GXO LOGISTICS INCORPORATED COMMON STOCK 36262G101 1068 17 SH SOLE 0 0 17 HANESBRANDS INC COM 410345102 759 167 SH SOLE 0 0 167 HANNON ARMSTRONG SUST INFR C COM 41068X100 213438 8537 SH SOLE 0 0 8537 HEICO CORP NEW COM 422806109 17518 99 SH SOLE 0 0 99 HEWLETT PACKARD ENTERPRISE C COM 42824C109 1680 100 SH SOLE 0 0 100 HOME DEPOT INC COM 437076102 271188 873 SH SOLE 0 0 873 HONEYWELL INTL INC COM 438516106 47725 230 SH SOLE 0 0 230 HP INC COM 40434L105 3071 100 SH SOLE 0 0 100 HUMANA INC COM 444859102 28617 64 SH SOLE 0 0 64 IDEXX LABS INC COM 45168D104 10547 21 SH SOLE 0 0 21 ILLUMINA INC COM 452327109 18749 100 SH SOLE 0 0 100 INFOSYS LTD SPONSORED ADR 456788108 3086 192 SH SOLE 0 0 192 INSTALLED BLDG PRODS INC COM 45780R101 16259 116 SH SOLE 0 0 116 INTEL CORP COM 458140100 20131 602 SH SOLE 0 0 602 INTERCONTINENTAL EXCHANGE IN COM 45866F104 1810 16 SH SOLE 0 0 16 INTERNATIONAL BUSINESS MACHS COM 459200101 55398 414 SH SOLE 0 0 414 INTERPUBLIC GROUP COS INC COM 460690100 190586 4940 SH SOLE 0 0 4940 INTUIT COM 461202103 54983 120 SH SOLE 0 0 120 INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 152920 4000 SH SOLE 0 0 4000 INVESCO EXCHANGE TRADED FD T NASDAQ INTERNT 46137V530 56288 360 SH SOLE 0 0 360 INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 49448 168 SH SOLE 0 0 168 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 7720322 51593 SH SOLE 0 0 51593 INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 63069 1572 SH SOLE 0 0 1572 INVESCO QQQ TR UNIT SER 1 46090E103 222440 602 SH SOLE 0 0 602 IONQ INC COM 46222L108 65513 4842 SH SOLE 0 0 4842 ISHARES INC CORE MSCI EMKT 46434G103 1583511 32126 SH SOLE 0 0 32126 ISHARES INC ESG AWR MSCI EM 46434G863 1044 33 SH SOLE 0 0 33 ISHARES INC MSCI EMRG CHN 46434G764 51357 988 SH SOLE 0 0 988 ISHARES TR 1 3 YR TREAS BD 464287457 13865 171 SH SOLE 0 0 171 ISHARES TR 20 YR TR BD ETF 464287432 17294 168 SH SOLE 0 0 168 ISHARES TR 7-10 YR TRSY BD 464287440 55642 576 SH SOLE 0 0 576 ISHARES TR BLACKROCK ULTRA 46434V878 20120 400 SH SOLE 0 0 400 ISHARES TR COHEN STEER REIT 464287564 14893 268 SH SOLE 0 0 268 ISHARES TR CORE MSCI EAFE 46432F842 2828648 41906 SH SOLE 0 0 41906 ISHARES TR CORE S&P MCP ETF 464287507 3515861 13446 SH SOLE 0 0 13446 ISHARES TR CORE S&P SCP ETF 464287804 1279805 12843 SH SOLE 0 0 12843 ISHARES TR CORE S&P500 ETF 464287200 5637400 12648 SH SOLE 0 0 12648 ISHARES TR CORE US AGGBD ET 464287226 124789 1274 SH SOLE 0 0 1274 ISHARES TR EAFE SML CP ETF 464288273 148748 2522 SH SOLE 0 0 2522 ISHARES TR ESG AW MSCI EAFE 46435G516 1678 23 SH SOLE 0 0 23 ISHARES TR EXPANDED TECH 464287515 2250145 6505 SH SOLE 0 0 6505 ISHARES TR GL CLEAN ENE ETF 464288224 106040 5763 SH SOLE 0 0 5763 ISHARES TR GLB INFRASTR ETF 464288372 5541 118 SH SOLE 0 0 118 ISHARES TR JPMORGAN USD EMG 464288281 11683 135 SH SOLE 0 0 135 ISHARES TR MBS ETF 464288588 100354 1076 SH SOLE 0 0 1076 ISHARES TR MRGSTR MD CP ETF 464288208 44303 700 SH SOLE 0 0 700 ISHARES TR MSCI ACWI ETF 464288257 2687 28 SH SOLE 0 0 28 ISHARES TR MSCI EAFE ETF 464287465 2919720 40272 SH SOLE 0 0 40272 ISHARES TR MSCI EMG MKT ETF 464287234 3798 96 SH SOLE 0 0 96 ISHARES TR MSCI GBL SUS DEV 46435G532 822120 10400 SH SOLE 0 0 10400 ISHARES TR MSCI KLD400 SOC 464288570 1454963 17286 SH SOLE 0 0 17286 ISHARES TR MSCI USA ESG SLC 464288802 937 10 SH SOLE 0 0 10 ISHARES TR MSCI USA MIN VOL 46429B697 95886 1290 SH SOLE 0 0 1290 ISHARES TR MSCI USA QLT FCT 46432F339 190747 1414 SH SOLE 0 0 1414 ISHARES TR NATIONAL MUN ETF 464288414 427 4 SH SOLE 0 0 4 ISHARES TR RUS 1000 GRW ETF 464287614 28344 103 SH SOLE 0 0 103 ISHARES TR RUS 1000 VAL ETF 464287598 947 6 SH SOLE 0 0 6 ISHARES TR RUS 2000 GRW ETF 464287648 6067 25 SH SOLE 0 0 25 ISHARES TR RUS 2000 VAL ETF 464287630 182258 1294 SH SOLE 0 0 1294 ISHARES TR RUS MDCP VAL ETF 464287473 1893110 17235 SH SOLE 0 0 17235 ISHARES TR RUS MID CAP ETF 464287499 514278 7042 SH SOLE 0 0 7042 ISHARES TR RUSSELL 2000 ETF 464287655 27716 148 SH SOLE 0 0 148 ISHARES TR S&P 500 GRWT ETF 464287309 36580 519 SH SOLE 0 0 519 ISHARES TR SP SMCP600VL ETF 464287879 500174 5260 SH SOLE 0 0 5260 ISHARES TR TIPS BD ETF 464287176 6673 62 SH SOLE 0 0 62 ISHARES TR U.S. MED DVC ETF 464288810 20665 366 SH SOLE 0 0 366 ISHARES TR U.S. UTILITS ETF 464287697 79625 974 SH SOLE 0 0 974 JANUS HENDERSON GROUP PLC ORD SHS G4474Y214 2780 102 SH SOLE 0 0 102 JOHNSON & JOHNSON COM 478160104 370931 2241 SH SOLE 0 0 2241 JOHNSON CTLS INTL PLC SHS G51502105 19761 290 SH SOLE 0 0 290 JPMORGAN CHASE & CO COM 46625H100 251206 1727 SH SOLE 0 0 1727 KIMBERLY-CLARK CORP COM 494368103 27612 200 SH SOLE 0 0 200 KNIFE RIVER CORP COMMON STOCK 498894104 10745 247 SH SOLE 0 0 247 KROGER CO COM 501044101 15063 320 SH SOLE 0 0 320 KYNDRYL HLDGS INC COMMON STOCK 50155Q100 1063 80 SH SOLE 0 0 80 LABORATORY CORP AMER HLDGS COM NEW 50540R409 12067 50 SH SOLE 0 0 50 LAMB WESTON HLDGS INC COM 513272104 1840 16 SH SOLE 0 0 16 LAUDER ESTEE COS INC CL A 518439104 590 3 SH SOLE 0 0 3 LENNAR CORP CL A 526057104 27443 219 SH SOLE 0 0 219 LILLY ELI & CO COM 532457108 250436 534 SH SOLE 0 0 534 LINCOLN NATL CORP IND COM 534187109 6440 250 SH SOLE 0 0 250 LINDE PLC SHS G54950103 11814 31 SH SOLE 0 0 31 LIVE NATION ENTERTAINMENT IN COM 538034109 1823 20 SH SOLE 0 0 20 LOCKHEED MARTIN CORP COM 539830109 6446 14 SH SOLE 0 0 14 LOUISIANA PAC CORP COM 546347105 1125 15 SH SOLE 0 0 15 LOWES COS INC COM 548661107 96374 427 SH SOLE 0 0 427 LULULEMON ATHLETICA INC COM 550021109 378500 1000 SH SOLE 0 0 1000 M & T BK CORP COM 55261F104 26980 218 SH SOLE 0 0 218 MAGNA INTL INC COM 559222401 18174 322 SH SOLE 0 0 322 MARATHON PETE CORP COM 56585A102 9678 83 SH SOLE 0 0 83 MASTERCARD INCORPORATED CL A 57636Q104 88493 225 SH SOLE 0 0 225 MCCORMICK & CO INC COM NON VTG 579780206 171844 1970 SH SOLE 0 0 1970 MCDONALDS CORP COM 580135101 44165 148 SH SOLE 0 0 148 MDU RES GROUP INC COM 552690109 20689 988 SH SOLE 0 0 988 MERCK & CO INC COM 58933Y105 304053 2635 SH SOLE 0 0 2635 META PLATFORMS INC CL A 30303M102 964827 3362 SH SOLE 0 0 3362 METLIFE INC COM 59156R108 5936 105 SH SOLE 0 0 105 MICRON TECHNOLOGY INC COM 595112103 25623 406 SH SOLE 0 0 406 MICROSOFT CORP COM 594918104 1234800 3626 SH SOLE 0 0 3626 MODERNA INC COM 60770K107 4739 39 SH SOLE 0 0 39 MONDELEZ INTL INC CL A 609207105 14151 194 SH SOLE 0 0 194 MONSTER BEVERAGE CORP NEW COM 61174X109 23781 414 SH SOLE 0 0 414 MORGAN STANLEY COM NEW 617446448 238864 2797 SH SOLE 0 0 2797 MOTOROLA SOLUTIONS INC COM NEW 620076307 4106 14 SH SOLE 0 0 14 NASDAQ INC COM 631103108 6730 135 SH SOLE 0 0 135 NAVIENT CORPORATION COM 63938C108 10884 586 SH SOLE 0 0 586 NCR CORP NEW COM 62886E108 303 12 SH SOLE 0 0 12 NETFLIX INC COM 64110L106 140517 319 SH SOLE 0 0 319 NEXTERA ENERGY INC COM 65339F101 196408 2647 SH SOLE 0 0 2647 NICE LTD SPONSORED ADR 653656108 2272 11 SH SOLE 0 0 11 NIKE INC CL B 654106103 5519 50 SH SOLE 0 0 50 NORFOLK SOUTHN CORP COM 655844108 70976 313 SH SOLE 0 0 313 NORTHROP GRUMMAN CORP COM 666807102 18232 40 SH SOLE 0 0 40 NOVARTIS AG SPONSORED ADR 66987V109 16247 161 SH SOLE 0 0 161 NOVAVAX INC COM NEW 670002401 1115 150 SH SOLE 0 0 150 NUVEEN MUN VALUE FD INC COM 670928100 32190 3700 SH SOLE 0 0 3700 NVIDIA CORPORATION COM 67066G104 78239 185 SH SOLE 0 0 185 NXP SEMICONDUCTORS N V COM N6596X109 16784 82 SH SOLE 0 0 82 OCEANFIRST FINL CORP COM 675234108 27335 1750 SH SOLE 0 0 1750 OGE ENERGY CORP COM 670837103 19176 534 SH SOLE 0 0 534 ON HLDG AG NAMEN AKT A H5919C104 13200 400 SH SOLE 0 0 400 OPENDOOR TECHNOLOGIES INC COM 683712103 1206 300 SH SOLE 0 0 300 ORACLE CORP COM 68389X105 16673 140 SH SOLE 0 0 140 OREILLY AUTOMOTIVE INC COM 67103H107 85022 89 SH SOLE 0 0 89 ORGANON & CO COMMON STOCK 68622V106 2747 132 SH SOLE 0 0 132 ORMAT TECHNOLOGIES INC COM 686688102 23575 293 SH SOLE 0 0 293 OTIS WORLDWIDE CORP COM 68902V107 13352 150 SH SOLE 0 0 150 PACER FDS TR US CASH COWS 100 69374H881 3543 74 SH SOLE 0 0 74 PALANTIR TECHNOLOGIES INC CL A 69608A108 291623 19023 SH SOLE 0 0 19023 PARAMOUNT GLOBAL CLASS B COM 92556H206 26109 1641 SH SOLE 0 0 1641 PARKER-HANNIFIN CORP COM 701094104 2731 7 SH SOLE 0 0 7 PAYCHEX INC COM 704326107 2685 24 SH SOLE 0 0 24 PAYCOM SOFTWARE INC COM 70432V102 12208 38 SH SOLE 0 0 38 PAYPAL HLDGS INC COM 70450Y103 12012 180 SH SOLE 0 0 180 PEAKSTONE REALTY TRUST COMMON SHARES 39818P799 43639 1563 SH SOLE 0 0 1563 PEPSICO INC COM 713448108 133938 723 SH SOLE 0 0 723 PFIZER INC COM 717081103 125666 3426 SH SOLE 0 0 3426 PG&E CORP COM 69331C108 11284 653 SH SOLE 0 0 653 PHILIP MORRIS INTL INC COM 718172109 42953 440 SH SOLE 0 0 440 PHILLIPS EDISON & CO INC COMMON STOCK 71844V201 20142 591 SH SOLE 0 0 591 PLANET FITNESS INC CL A 72703H101 1889 28 SH SOLE 0 0 28 PNC FINL SVCS GROUP INC COM 693475105 351223 2789 SH SOLE 0 0 2789 POLARIS INC COM 731068102 4717 39 SH SOLE 0 0 39 PPG INDS INC COM 693506107 4449 30 SH SOLE 0 0 30 PRICE T ROWE GROUP INC COM 74144T108 100999 902 SH SOLE 0 0 902 PRINCIPAL FINANCIAL GROUP IN COM 74251V102 28744 379 SH SOLE 0 0 379 PROCTER AND GAMBLE CO COM 742718109 98025 646 SH SOLE 0 0 646 PROGRESSIVE CORP COM 743315103 5560 42 SH SOLE 0 0 42 PROLOGIS INC. COM 74340W103 6868 56 SH SOLE 0 0 56 PROSHARES TR S&P 500 DV ARIST 74348A467 26776 284 SH SOLE 0 0 284 PROSHARES TR SP500 EX FINLS 74347B573 172818 1800 SH SOLE 0 0 1800 QUALCOMM INC COM 747525103 168085 1412 SH SOLE 0 0 1412 QUANTUMSCAPE CORP COM CL A 74767V109 3492 437 SH SOLE 0 0 437 QUEST DIAGNOSTICS INC COM 74834L100 58473 416 SH SOLE 0 0 416 RAYTHEON TECHNOLOGIES CORP COM 75513E101 69944 714 SH SOLE 0 0 714 RB GLOBAL INC COM 74935Q107 12360 206 SH SOLE 0 0 206 REGIONS FINANCIAL CORP NEW COM 7591EP100 17820 1000 SH SOLE 0 0 1000 REPUBLIC SVCS INC COM 760759100 1992 13 SH SOLE 0 0 13 RIO TINTO PLC SPONSORED ADR 767204100 3129 49 SH SOLE 0 0 49 ROCKET COS INC COM CL A 77311W101 1792 200 SH SOLE 0 0 200 ROYAL BK CDA COM 780087102 5063 53 SH SOLE 0 0 53 RPM INTL INC COM 749685103 59222 660 SH SOLE 0 0 660 S&P GLOBAL INC COM 78409V104 14032 35 SH SOLE 0 0 35 SALESFORCE INC COM 79466L302 12465 59 SH SOLE 0 0 59 SANDY SPRING BANCORP INC COM 800363103 22680 1000 SH SOLE 0 0 1000 SBA COMMUNICATIONS CORP NEW CL A 78410G104 696 3 SH SOLE 0 0 3 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 210799 5913 SH SOLE 0 0 5913 SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 551465 16330 SH SOLE 0 0 16330 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 10547 204 SH SOLE 0 0 204 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 88960 1225 SH SOLE 0 0 1225 SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1975408 29444 SH SOLE 0 0 29444 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 637762 12178 SH SOLE 0 0 12178 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 240813 5498 SH SOLE 0 0 5498 SCHWAB STRATEGIC TR US TIPS ETF 808524870 6921270 132010 SH SOLE 0 0 132010 SCIENCE APPLICATIONS INTL CO COM 808625107 5062 45 SH SOLE 0 0 45 SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 9828 151 SH SOLE 0 0 151 SELECT SECTOR SPDR TR ENERGY 81369Y506 42209 520 SH SOLE 0 0 520 SELECT SECTOR SPDR TR FINANCIAL 81369Y605 28823 855 SH SOLE 0 0 855 SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 15283 90 SH SOLE 0 0 90 SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 14389 194 SH SOLE 0 0 194 SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 40218 303 SH SOLE 0 0 303 SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 7835 73 SH SOLE 0 0 73 SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 9424 144 SH SOLE 0 0 144 SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 21961 265 SH SOLE 0 0 265 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 8693 50 SH SOLE 0 0 50 SENSATA TECHNOLOGIES HLDG PL SHS G8060N102 1125 25 SH SOLE 0 0 25 SERVICENOW INC COM 81762P102 10116 18 SH SOLE 0 0 18 SHELL PLC SPON ADS 780259305 967 16 SH SOLE 0 0 16 SHOPIFY INC CL A 82509L107 32559 504 SH SOLE 0 0 504 SHORE BANCSHARES INC COM 825107105 5376 465 SH SOLE 0 0 465 SNAP INC CL A 83304A106 17760 1500 SH SOLE 0 0 1500 SOFI TECHNOLOGIES INC COM 83406F102 8340 1000 SH SOLE 0 0 1000 SONY GROUP CORPORATION SPONSORED ADR 835699307 4322 48 SH SOLE 0 0 48 SOUTHERN CO COM 842587107 19670 280 SH SOLE 0 0 280 SOUTHWEST AIRLS CO COM 844741108 21970 607 SH SOLE 0 0 607 SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 420873 1224 SH SOLE 0 0 1224 SPDR GOLD TR GOLD SHS 78463V107 403247 2262 SH SOLE 0 0 2262 SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4019048 123511 SH SOLE 0 0 123511 SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2340207 68069 SH SOLE 0 0 68069 SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 4639953 152080 SH SOLE 0 0 152080 SPDR S&P 500 ETF TR TR UNIT 78462F103 1491638 3365 SH SOLE 0 0 3365 SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 29214 61 SH SOLE 0 0 61 SPDR SER TR BLOOMBERG 1-3 MO 78468R663 20385 222 SH SOLE 0 0 222 SPDR SER TR DJ REIT ETF 78464A607 4342 48 SH SOLE 0 0 48 SPDR SER TR NUVEEN BLMBRG SH 78468R739 27337 581 SH SOLE 0 0 581 SPDR SER TR PORTFOLI S&P1500 78464A805 1622108 29796 SH SOLE 0 0 29796 SPDR SER TR PORTFOLIO INTRMD 78464A375 95046 2960 SH SOLE 0 0 2960 SPDR SER TR PORTFOLIO LN TSR 78464A664 17372 581 SH SOLE 0 0 581 SPDR SER TR PORTFOLIO S&P400 78464A847 2908944 63389 SH SOLE 0 0 63389 SPDR SER TR PORTFOLIO S&P500 78464A854 782 15 SH SOLE 0 0 15 SPDR SER TR PORTFOLIO S&P600 78468R853 1814954 46729 SH SOLE 0 0 46729 SPDR SER TR PRTFLO S&P500 VL 78464A508 3780518 87512 SH SOLE 0 0 87512 SPDR SER TR RUSSELL LOW VOL 78468R754 3583 33 SH SOLE 0 0 33 SPDR SER TR S&P 400 MDCP VAL 78464A839 3574029 51963 SH SOLE 0 0 51963 SPDR SER TR S&P 600 SMCP VAL 78464A300 3871335 50153 SH SOLE 0 0 50153 SPDR SER TR S&P BIOTECH 78464A870 89690 1078 SH SOLE 0 0 1078 SPDR SER TR SPDR S&P1500VL 78464A128 9210 62 SH SOLE 0 0 62 STAGWELL INC COM CL A 85256A109 17889 2481 SH SOLE 0 0 2481 STARBUCKS CORP COM 855244109 68550 692 SH SOLE 0 0 692 STERIS PLC SHS USD G8473T100 4050 18 SH SOLE 0 0 18 STRYKER CORPORATION COM 863667101 8238 27 SH SOLE 0 0 27 SYNCHRONY FINANCIAL COM 87165B103 13331 393 SH SOLE 0 0 393 SYSCO CORP COM 871829107 253690 3419 SH SOLE 0 0 3419 TARGET CORP COM 87612E106 24784 188 SH SOLE 0 0 188 TECHNIPFMC PLC COM G87110105 8792 529 SH SOLE 0 0 529 TERADATA CORP DEL COM 88076W103 641 12 SH SOLE 0 0 12 TESLA INC COM 88160R101 33769 129 SH SOLE 0 0 129 TEXAS INSTRS INC COM 882508104 6481 36 SH SOLE 0 0 36 TFI INTL INC COM 87241L109 7408 65 SH SOLE 0 0 65 THE CIGNA GROUP COM 125523100 118133 421 SH SOLE 0 0 421 THERMO FISHER SCIENTIFIC INC COM 883556102 30262 58 SH SOLE 0 0 58 THOMSON REUTERS CORP. COM 884903808 21996 163 SH SOLE 0 0 163 TIDAL ETF TR SOFI NEXT 500 886364306 647 53 SH SOLE 0 0 53 TIDAL ETF TR SOFI SELCT 500 886364207 6233 398 SH SOLE 0 0 398 TIMKEN CO COM 887389104 4669 51 SH SOLE 0 0 51 TJX COS INC NEW COM 872540109 694091 8186 SH SOLE 0 0 8186 TORONTO DOMINION BK ONT COM NEW 891160509 14511 234 SH SOLE 0 0 234 TOYOTA MOTOR CORP ADS 892331307 3858 24 SH SOLE 0 0 24 TRAVELERS COMPANIES INC COM 89417E109 121736 701 SH SOLE 0 0 701 TRIMBLE INC COM 896239100 95292 1800 SH SOLE 0 0 1800 TRUIST FINL CORP COM 89832Q109 188626 6215 SH SOLE 0 0 6215 TWILIO INC CL A 90138F102 637 10 SH SOLE 0 0 10 TYLER TECHNOLOGIES INC COM 902252105 14160 34 SH SOLE 0 0 34 UBS GROUP AG SHS H42097107 6264 309 SH SOLE 0 0 309 UDR INC COM 902653104 15466 360 SH SOLE 0 0 360 UNDER ARMOUR INC CL A 904311107 32642 4521 SH SOLE 0 0 4521 UNDER ARMOUR INC CL C 904311206 5241 781 SH SOLE 0 0 781 UNILEVER PLC SPON ADR NEW 904767704 1147 22 SH SOLE 0 0 22 UNION PAC CORP COM 907818108 437273 2137 SH SOLE 0 0 2137 UNITED PARCEL SERVICE INC CL B 911312106 30473 170 SH SOLE 0 0 170 UNITEDHEALTH GROUP INC COM 91324P102 27397 57 SH SOLE 0 0 57 US BANCORP DEL COM NEW 902973304 10111 306 SH SOLE 0 0 306 VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 559 7 SH SOLE 0 0 7 VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 15989 174 SH SOLE 0 0 174 VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1028584 13611 SH SOLE 0 0 13611 VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2112227 29058 SH SOLE 0 0 29058 VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 2744112 55820 SH SOLE 0 0 55820 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2920005 59738 SH SOLE 0 0 59738 VANGUARD INDEX FDS EXTEND MKT ETF 922908652 10716 72 SH SOLE 0 0 72 VANGUARD INDEX FDS GROWTH ETF 922908736 26316 93 SH SOLE 0 0 93 VANGUARD INDEX FDS LARGE CAP ETF 922908637 823873 4064 SH SOLE 0 0 4064 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 8081995 58404 SH SOLE 0 0 58404 VANGUARD INDEX FDS MID CAP ETF 922908629 12614971 57299 SH SOLE 0 0 57299 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1469095 17581 SH SOLE 0 0 17581 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6359162 15614 SH SOLE 0 0 15614 VANGUARD INDEX FDS SM CP VAL ETF 922908611 8924776 53959 SH SOLE 0 0 53959 VANGUARD INDEX FDS SMALL CP ETF 922908751 8404690 42258 SH SOLE 0 0 42258 VANGUARD INDEX FDS SML CP GRW ETF 922908595 22974 100 SH SOLE 0 0 100 VANGUARD INDEX FDS TOTAL STK MKT 922908769 15218890 69089 SH SOLE 0 0 69089 VANGUARD INDEX FDS VALUE ETF 922908744 16975072 119459 SH SOLE 0 0 119459 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 491265 9029 SH SOLE 0 0 9029 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6923226 170187 SH SOLE 0 0 170187 VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 5869330 53126 SH SOLE 0 0 53126 VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 81 2 SH SOLE 0 0 2 VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 113659 1172 SH SOLE 0 0 1172 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 25655 541 SH SOLE 0 0 541 VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2459424 48973 SH SOLE 0 0 48973 VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 6703319 84820 SH SOLE 0 0 84820 VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 5762693 125303 SH SOLE 0 0 125303 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 13092899 173049 SH SOLE 0 0 173049 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 23285 143 SH SOLE 0 0 143 VANGUARD STAR FDS VG TL INTL STK F 921909768 63932 1140 SH SOLE 0 0 1140 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 15480199 335214 SH SOLE 0 0 335214 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 70092 661 SH SOLE 0 0 661 VANGUARD WORLD FD ESG INTL STK ETF 921910725 61183 1152 SH SOLE 0 0 1152 VANGUARD WORLD FD ESG US CORP BD 921910691 41031 662 SH SOLE 0 0 662 VANGUARD WORLD FD ESG US STK ETF 921910733 141579 1807 SH SOLE 0 0 1807 VANGUARD WORLD FD MEGA CAP INDEX 921910873 3050345 19496 SH SOLE 0 0 19496 VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 1467271 14141 SH SOLE 0 0 14141 VANGUARD WORLD FDS CONSUM STP ETF 92204A207 7390 38 SH SOLE 0 0 38 VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1469 6 SH SOLE 0 0 6 VANGUARD WORLD FDS INF TECH ETF 92204A702 6191 14 SH SOLE 0 0 14 VANGUARD WORLD FDS MATERIALS ETF 92204A801 9463 52 SH SOLE 0 0 52 VANGUARD WORLD FDS UTILITIES ETF 92204A876 105206 740 SH SOLE 0 0 740 VEEVA SYS INC CL A COM 922475108 10480 53 SH SOLE 0 0 53 VERISK ANALYTICS INC COM 92345Y106 13788 61 SH SOLE 0 0 61 VERIZON COMMUNICATIONS INC COM 92343V104 38938 1047 SH SOLE 0 0 1047 VERTEX PHARMACEUTICALS INC COM 92532F100 2112 6 SH SOLE 0 0 6 VIATRIS INC COM 92556V106 2625 263 SH SOLE 0 0 263 VISA INC COM CL A 92826C839 304907 1284 SH SOLE 0 0 1284 VMWARE INC CL A COM 928563402 14369 100 SH SOLE 0 0 100 WABTEC COM 929740108 1581 14 SH SOLE 0 0 14 WALMART INC COM 931142103 584290 3717 SH SOLE 0 0 3717 WARNER BROS DISCOVERY INC COM SER A 934423104 9205 734 SH SOLE 0 0 734 WASTE MGMT INC DEL COM 94106L109 40234 232 SH SOLE 0 0 232 WELLS FARGO CO NEW COM 949746101 55397 1298 SH SOLE 0 0 1298 WELLTOWER INC COM 95040Q104 40445 500 SH SOLE 0 0 500 WEST PHARMACEUTICAL SVSC INC COM 955306105 17594 46 SH SOLE 0 0 46 WILLIAMS COS INC COM 969457100 9006 276 SH SOLE 0 0 276 WILLIS TOWERS WATSON PLC LTD SHS G96629103 9656 41 SH SOLE 0 0 41 WOLFSPEED INC COM 977852102 5559 100 SH SOLE 0 0 100 WOODSIDE ENERGY GROUP LTD SPONSORED ADR 980228308 603 26 SH SOLE 0 0 26 XCEL ENERGY INC COM 98389B100 16103 259 SH SOLE 0 0 259 XEROX HOLDINGS CORP COM NEW 98421M106 1117 75 SH SOLE 0 0 75 YUM CHINA HLDGS INC COM 98850P109 4520 80 SH SOLE 0 0 80 ZOETIS INC CL A 98978V103 36509 212 SH SOLE 0 0 212