0001398344-25-002784.txt : 20250214 0001398344-25-002784.hdr.sgml : 20250214 20250214091721 ACCESSION NUMBER: 0001398344-25-002784 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20241231 FILED AS OF DATE: 20250214 DATE AS OF CHANGE: 20250214 EFFECTIVENESS DATE: 20250214 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CARDIFF PARK ADVISORS, LLC CENTRAL INDEX KEY: 0001910000 ORGANIZATION NAME: IRS NUMBER: 204244162 STATE OF INCORPORATION: CA FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-22213 FILM NUMBER: 25623832 BUSINESS ADDRESS: STREET 1: 7161 AVIARA DRIVE CITY: CARLSBAD STATE: CA ZIP: 92011 BUSINESS PHONE: 760-635-7526 MAIL ADDRESS: STREET 1: 7161 AVIARA DRIVE CITY: CARLSBAD STATE: CA ZIP: 92011 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE false false false 0001910000 XXXXXXXX 12-31-2024 12-31-2024 false CARDIFF PARK ADVISORS, LLC

7161 AVIARA DRIVE CARLSBAD CA 92011

13F HOLDINGS REPORT 028-22213 000126752 801-66660 N John Gorlow 760-635-7526 /s/ John Gorlow Carlsbad CA 02-14-2025 0 339 1053710375 INFORMATION TABLE 2 fp0091790-1_13fhr-table.xml 3M CO COM 88579Y101 306201 2372 SH SOLE 0 0 2372 ABBOTT LABS COM 002824100 510971 4517 SH SOLE 0 0 4517 ABBVIE INC COM 00287Y109 765805 4310 SH SOLE 0 0 4310 ADOBE INC COM 00724F101 380646 856 SH SOLE 0 0 856 ADVANCED MICRO DEVICES INC COM 007903107 942766 7805 SH SOLE 0 0 7805 AFLAC INC COM 001055102 277426 2682 SH SOLE 0 0 2682 AIRBNB INC COM CL A 009066101 355858 2708 SH SOLE 0 0 2708 ALPHABET INC CAP STK CL C 02079K107 9210348 48364 SH SOLE 0 0 48364 ALPHABET INC CAP STK CL C 02079K107 399924 2100 SH Put SOLE 0 0 2100 ALPHABET INC CAP STK CL A 02079K305 6912894 36518 SH SOLE 0 0 36518 ALPHABET INC CAP STK CL A 02079K305 605760 3200 SH Put SOLE 0 0 3200 AMAZON COM INC COM 023135106 9816386 44744 SH SOLE 0 0 44744 AMERICAN CENTY ETF TR AVANTIS EMERGING 025072141 331318 6216 SH SOLE 0 0 6216 AMERICAN CENTY ETF TR AVANTIS INTL SML 025072190 365074 7044 SH SOLE 0 0 7044 AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 112960 2078 SH SOLE 0 0 2078 AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 5414416 81091 SH SOLE 0 0 81091 AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356 2417057 57659 SH SOLE 0 0 57659 AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364 578883 11154 SH SOLE 0 0 11154 AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 296718 6422 SH SOLE 0 0 6422 AMERICAN CENTY ETF TR AVANTIS CORE FI 025072562 742228 18295 SH SOLE 0 0 18295 AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 11370717 193412 SH SOLE 0 0 193412 AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687 1147429 24868 SH SOLE 0 0 24868 AMERICAN CENTY ETF TR INTL EQT ETF 025072703 21093026 343703 SH SOLE 0 0 343703 AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 5073548 77959 SH SOLE 0 0 77959 AMERICAN CENTY ETF TR US SML CP VALU 025072877 2882454 29861 SH SOLE 0 0 29861 AMERICAN CENTY ETF TR US EQT ETF 025072885 18198328 187747 SH SOLE 0 0 187747 AMETEK INC COM 031100100 608378 3375 SH SOLE 0 0 3375 AMGEN INC COM 031162100 208773 801 SH SOLE 0 0 801 AON PLC SHS CL A G0403H108 454697 1266 SH SOLE 0 0 1266 APOLLO GLOBAL MGMT INC COM 03769M106 271688 1645 SH SOLE 0 0 1645 APPLE INC COM 037833100 29743203 118773 SH SOLE 0 0 118773 APPLIED MATLS INC COM 038222105 2489052 15305 SH SOLE 0 0 15305 ARES CAPITAL CORP COM 04010L103 1935087 88401 SH SOLE 0 0 88401 AT&T INC COM 00206R102 309526 13594 SH SOLE 0 0 13594 AUTOMATIC DATA PROCESSING IN COM 053015103 232428 794 SH SOLE 0 0 794 BANK AMERICA CORP COM 060505104 245738 5591 SH SOLE 0 0 5591 BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 204124 6361 SH SOLE 0 0 6361 BERKSHIRE HATHAWAY INC DEL CL A 084670108 4085520 6 SH SOLE 0 0 6 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 7042611 15537 SH SOLE 0 0 15537 BLOCK INC CL A 852234103 351349 4134 SH SOLE 0 0 4134 BOOKING HOLDINGS INC COM 09857L108 233516 47 SH SOLE 0 0 47 BUILDERS FIRSTSOURCE INC COM 12008R107 251986 1763 SH SOLE 0 0 1763 CARLISLE COS INC COM 142339100 393305 1066 SH SOLE 0 0 1066 CATERPILLAR INC COM 149123101 1541621 4250 SH SOLE 0 0 4250 CHENIERE ENERGY INC COM NEW 16411R208 284703 1325 SH SOLE 0 0 1325 CHEVRON CORP NEW COM 166764100 2949532 20364 SH SOLE 0 0 20364 CHUBB LIMITED COM H1467J104 627702 2272 SH SOLE 0 0 2272 CISCO SYS INC COM 17275R102 1004719 16972 SH SOLE 0 0 16972 CLOUDFLARE INC CL A COM 18915M107 268231 2491 SH SOLE 0 0 2491 COCA COLA CO COM 191216100 489910 7869 SH SOLE 0 0 7869 COMCAST CORP NEW CL A 20030N101 219118 5838 SH SOLE 0 0 5838 CONOCOPHILLIPS COM 20825C104 411603 4150 SH SOLE 0 0 4150 COSTCO WHSL CORP NEW COM 22160K105 1386398 1513 SH SOLE 0 0 1513 CUMMINS INC COM 231021106 387643 1112 SH SOLE 0 0 1112 DANAHER CORPORATION COM 235851102 290407 1265 SH SOLE 0 0 1265 DEERE & CO COM 244199105 627500 1481 SH SOLE 0 0 1481 DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 1079660 26665 SH SOLE 0 0 26665 DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 2318693 79407 SH SOLE 0 0 79407 DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 1615345 63671 SH SOLE 0 0 63671 DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 23913432 375113 SH SOLE 0 0 375113 DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 10891885 167361 SH SOLE 0 0 167361 DIMENSIONAL ETF TRUST DIMENSIONAL US 25434V559 442282 8369 SH SOLE 0 0 8369 DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 20182681 362607 SH SOLE 0 0 362607 DIMENSIONAL ETF TRUST WORLD EQUITY ETF 25434V617 1062 17 SH SOLE 0 0 17 DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 832323 27716 SH SOLE 0 0 27716 DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674 93805 1841 SH SOLE 0 0 1841 DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682 44914 1356 SH SOLE 0 0 1356 DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 144881 4410 SH SOLE 0 0 4410 DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 143841430 4158469 SH SOLE 0 0 4158469 DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 48371 1276 SH SOLE 0 0 1276 DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 30755316 751596 SH SOLE 0 0 751596 DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 7424524 283487 SH SOLE 0 0 283487 DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 1155613 44091 SH SOLE 0 0 44091 DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 532310 21098 SH SOLE 0 0 21098 DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 618129 25173 SH SOLE 0 0 25173 DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 8093048 304593 SH SOLE 0 0 304593 DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 6129339 237158 SH SOLE 0 0 237158 DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 9561296 269484 SH SOLE 0 0 269484 DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 9862942 320433 SH SOLE 0 0 320433 DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 279699 12020 SH SOLE 0 0 12020 DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 7198299 213030 SH SOLE 0 0 213030 DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 156950 3803 SH SOLE 0 0 3803 DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 32357927 1301606 SH SOLE 0 0 1301606 DISNEY WALT CO COM 254687106 252701 2269 SH SOLE 0 0 2269 DOVER CORP COM 260003108 582015 3102 SH SOLE 0 0 3102 EATON VANCE SR FLTNG RTE TR COM 27828Q105 254502 19883 SH SOLE 0 0 19883 ELEVANCE HEALTH INC COM 036752103 412430 1118 SH SOLE 0 0 1118 ELI LILLY & CO COM 532457108 633812 821 SH SOLE 0 0 821 EMERSON ELEC CO COM 291011104 275574 2224 SH SOLE 0 0 2224 ENTERPRISE PRODS PARTNERS L COM 293792107 331412 10568 SH SOLE 0 0 10568 EXXON MOBIL CORP COM 30231G102 3560703 33101 SH SOLE 0 0 33101 FIDELITY WISE ORIGIN BITCOIN SHS 315948109 407900 5000 SH SOLE 0 0 5000 FISERV INC COM 337738108 218567 1064 SH SOLE 0 0 1064 GLOBAL X FDS RENEWABLE ENERGY 37954Y707 2083 240 SH SOLE 0 0 240 GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 1280 40 SH SOLE 0 0 40 GLOBAL X FDS GLOBAL X URANIUM 37954Y871 307672 11489 SH SOLE 0 0 11489 GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109 407110 5500 SH SOLE 0 0 5500 HALEON PLC SPON ADS 405552100 142003 14885 SH SOLE 0 0 14885 HERSHEY CO COM 427866108 421267 2488 SH SOLE 0 0 2488 HOME DEPOT INC COM 437076102 623940 1604 SH SOLE 0 0 1604 HONEYWELL INTL INC COM 438516106 424835 1881 SH SOLE 0 0 1881 ILLUMINA INC COM 452327109 229175 1715 SH SOLE 0 0 1715 INDEPENDENCE RLTY TR INC COM 45378A106 250758 12639 SH SOLE 0 0 12639 INNOVIZ TECHNOLOGIES LTD SHS M5R635108 25200 15000 SH SOLE 0 0 15000 INTEL CORP COM 458140100 458788 22882 SH SOLE 0 0 22882 INTERNATIONAL BUSINESS MACHS COM 459200101 734630 3342 SH SOLE 0 0 3342 INTUIT COM 461202103 770552 1226 SH SOLE 0 0 1226 INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 316891 1506 SH SOLE 0 0 1506 INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 13158 200 SH SOLE 0 0 200 INVESCO EXCHANGE TRADED FD T S&P500 EQL FIN 46137V340 14474 200 SH SOLE 0 0 200 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 933604 5328 SH SOLE 0 0 5328 INVESCO SR INCOME TR COM 46131H107 691250 175000 SH SOLE 0 0 175000 ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 357239 6734 SH SOLE 0 0 6734 ISHARES GOLD TR ISHARES NEW 464285204 853651 17242 SH SOLE 0 0 17242 ISHARES INC CORE MSCI EMKT 46434G103 103094 1974 SH SOLE 0 0 1974 ISHARES INC MSCI EMRG CHN 46434G764 673481 12146 SH SOLE 0 0 12146 ISHARES SILVER TR ISHARES 46428Q109 223805 8500 SH SOLE 0 0 8500 ISHARES TR S&P 100 ETF 464287101 6932 24 SH SOLE 0 0 24 ISHARES TR CORE S&P TTL STK 464287150 2136047 16607 SH SOLE 0 0 16607 ISHARES TR SELECT DIVID ETF 464287168 350629 2671 SH SOLE 0 0 2671 ISHARES TR TIPS BD ETF 464287176 453741 4258 SH SOLE 0 0 4258 ISHARES TR CHINA LG-CAP ETF 464287184 10624 349 SH SOLE 0 0 349 ISHARES TR CORE S&P500 ETF 464287200 9050467 15374 SH SOLE 0 0 15374 ISHARES TR CORE US AGGBD ET 464287226 158252 1633 SH SOLE 0 0 1633 ISHARES TR MSCI EMG MKT ETF 464287234 914918 21878 SH SOLE 0 0 21878 ISHARES TR IBOXX INV CP ETF 464287242 192006 1797 SH SOLE 0 0 1797 ISHARES TR S&P 500 GRWT ETF 464287309 164479 1620 SH SOLE 0 0 1620 ISHARES TR S&P 500 VAL ETF 464287408 567486 2973 SH SOLE 0 0 2973 ISHARES TR 20 YR TR BD ETF 464287432 145755 1669 SH SOLE 0 0 1669 ISHARES TR 7-10 YR TRSY BD 464287440 136826 1480 SH SOLE 0 0 1480 ISHARES TR 1 3 YR TREAS BD 464287457 245940 3000 SH SOLE 0 0 3000 ISHARES TR MSCI EAFE ETF 464287465 5737375 75881 SH SOLE 0 0 75881 ISHARES TR RUS MDCP VAL ETF 464287473 86217 667 SH SOLE 0 0 667 ISHARES TR RUS MID CAP ETF 464287499 33592 380 SH SOLE 0 0 380 ISHARES TR CORE S&P MCP ETF 464287507 735887 11810 SH SOLE 0 0 11810 ISHARES TR EXPANDED TECH 464287515 350420 3500 SH SOLE 0 0 3500 ISHARES TR ISHARES SEMICDTR 464287523 14515 67 SH SOLE 0 0 67 ISHARES TR EXPND TEC SC ETF 464287549 6802 67 SH SOLE 0 0 67 ISHARES TR COHEN STEER REIT 464287564 204884 3400 SH SOLE 0 0 3400 ISHARES TR RUS 1000 VAL ETF 464287598 1364212 7369 SH SOLE 0 0 7369 ISHARES TR S&P MC 400GR ETF 464287606 109116 1200 SH SOLE 0 0 1200 ISHARES TR RUS 1000 GRW ETF 464287614 1805143 4495 SH SOLE 0 0 4495 ISHARES TR RUS 1000 ETF 464287622 6121 19 SH SOLE 0 0 19 ISHARES TR RUS 2000 VAL ETF 464287630 790209 4813 SH SOLE 0 0 4813 ISHARES TR RUS 2000 GRW ETF 464287648 385100 1338 SH SOLE 0 0 1338 ISHARES TR RUSSELL 2000 ETF 464287655 1168565 5289 SH SOLE 0 0 5289 ISHARES TR RUSSELL 3000 ETF 464287689 36345 109 SH SOLE 0 0 109 ISHARES TR S&P MC 400VL ETF 464287705 1120412 8966 SH SOLE 0 0 8966 ISHARES TR U.S. REAL ES ETF 464287739 7876 85 SH SOLE 0 0 85 ISHARES TR CORE S&P SCP ETF 464287804 897067 7786 SH SOLE 0 0 7786 ISHARES TR DOW JONES US ETF 464287846 114472 800 SH SOLE 0 0 800 ISHARES TR SP SMCP600VL ETF 464287879 2979896 27437 SH SOLE 0 0 27437 ISHARES TR S&P SML 600 GWT 464287887 73100 540 SH SOLE 0 0 540 ISHARES TR SHRT NAT MUN ETF 464288158 3078583 29186 SH SOLE 0 0 29186 ISHARES TR EAFE SML CP ETF 464288273 1226607 20191 SH SOLE 0 0 20191 ISHARES TR CALIF MUN BD ETF 464288356 170356 2974 SH SOLE 0 0 2974 ISHARES TR NATIONAL MUN ETF 464288414 266678 2503 SH SOLE 0 0 2503 ISHARES TR IBOXX HI YD ETF 464288513 260520 3312 SH SOLE 0 0 3312 ISHARES TR CRE U S REIT ETF 464288521 14156 247 SH SOLE 0 0 247 ISHARES TR ISHS 5-10YR INVT 464288638 29361 570 SH SOLE 0 0 570 ISHARES TR ISHS 1-5YR INVS 464288646 567468 10976 SH SOLE 0 0 10976 ISHARES TR 3 7 YR TREAS BD 464288661 82272 712 SH SOLE 0 0 712 ISHARES TR SHORT TREAS BD 464288679 14755 134 SH SOLE 0 0 134 ISHARES TR PFD AND INCM SEC 464288687 561180 17849 SH SOLE 0 0 17849 ISHARES TR US REGNL BKS ETF 464288778 119299 2369 SH SOLE 0 0 2369 ISHARES TR U.S. INSRNCE ETF 464288786 442645 3500 SH SOLE 0 0 3500 ISHARES TR MICRO-CAP ETF 464288869 361544 2773 SH SOLE 0 0 2773 ISHARES TR EAFE VALUE ETF 464288877 271487 5174 SH SOLE 0 0 5174 ISHARES TR EAFE GRWTH ETF 464288885 1085677 11212 SH SOLE 0 0 11212 ISHARES TR GNMA BOND ETF 46429B333 1524845 35519 SH SOLE 0 0 35519 ISHARES TR MSCI INDIA ETF 46429B598 19477 370 SH SOLE 0 0 370 ISHARES TR FLTG RATE NT ETF 46429B655 694451 13649 SH SOLE 0 0 13649 ISHARES TR MSCI CHINA ETF 46429B671 79381 1694 SH SOLE 0 0 1694 ISHARES TR MSCI EAFE MIN VL 46429B689 315059 4456 SH SOLE 0 0 4456 ISHARES TR MSCI USA MIN VOL 46429B697 1321411 14882 SH SOLE 0 0 14882 ISHARES TR 0-5 YR TIPS ETF 46429B747 554267 5510 SH SOLE 0 0 5510 ISHARES TR MSCI USA MMENTM 46432F396 279342 1350 SH SOLE 0 0 1350 ISHARES TR CORE MSCI TOTAL 46432F834 1947779 29449 SH SOLE 0 0 29449 ISHARES TR CORE MSCI EAFE 46432F842 4779 68 SH SOLE 0 0 68 ISHARES TR CORE DIV GRWTH 46434V621 154802 2524 SH SOLE 0 0 2524 ISHARES TR CORE MSCI PAC 46434V696 78880 1291 SH SOLE 0 0 1291 ISHARES TR CORE MSCI EURO 46434V738 128203 2375 SH SOLE 0 0 2375 ISHARES TR HDG MSCI EAFE 46434V803 402475 11582 SH SOLE 0 0 11582 J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 1028091 17871 SH SOLE 0 0 17871 JOHNSON & JOHNSON COM 478160104 1467164 10145 SH SOLE 0 0 10145 JPMORGAN CHASE & CO. COM 46625H100 1328153 5541 SH SOLE 0 0 5541 KIMBERLY-CLARK CORP COM 494368103 247965 1892 SH SOLE 0 0 1892 KULICKE & SOFFA INDS INC COM 501242101 1166500 25000 SH SOLE 0 0 25000 LOCKHEED MARTIN CORP COM 539830109 518120 1066 SH SOLE 0 0 1066 LOWES COS INC COM 548661107 900493 3649 SH SOLE 0 0 3649 MARATHON PETE CORP COM 56585A102 322245 2310 SH SOLE 0 0 2310 MASTERCARD INCORPORATED CL A 57636Q104 689227 1309 SH SOLE 0 0 1309 MCDONALDS CORP COM 580135101 1101104 3798 SH SOLE 0 0 3798 MERCK & CO INC COM 58933Y105 459309 4617 SH SOLE 0 0 4617 META PLATFORMS INC CL A 30303M102 106058261 181138 SH SOLE 0 0 181138 META PLATFORMS INC CL A 30303M102 2342040 4000 SH Put SOLE 0 0 4000 MICROSOFT CORP COM 594918104 11572753 27456 SH SOLE 0 0 27456 NETFLIX INC COM 64110L106 3146360 3530 SH SOLE 0 0 3530 NEXTCURE INC COM 65343E108 202002 262000 SH SOLE 0 0 262000 NEXTERA ENERGY INC COM 65339F101 475448 6632 SH SOLE 0 0 6632 NORTHROP GRUMMAN CORP COM 666807102 602099 1283 SH SOLE 0 0 1283 NVIDIA CORPORATION COM 67066G104 8616791 64166 SH SOLE 0 0 64166 OCCIDENTAL PETE CORP COM 674599105 557164 11276 SH SOLE 0 0 11276 OCCIDENTAL PETE CORP *W EXP 08/03/202 674599162 74302 2697 SH SOLE 0 0 2697 OKLO INC COM CL A 02156V109 6690274 315133 SH SOLE 0 0 315133 ONEOK INC NEW COM 682680103 1196050 11913 SH SOLE 0 0 11913 ORACLE CORP COM 68389X105 790881 4746 SH SOLE 0 0 4746 PALANTIR TECHNOLOGIES INC CL A 69608A108 1168559 15451 SH SOLE 0 0 15451 PAYPAL HLDGS INC COM 70450Y103 249051 2918 SH SOLE 0 0 2918 PDD HOLDINGS INC SPONSORED ADS 722304102 441886 4556 SH SOLE 0 0 4556 PEPSICO INC COM 713448108 973391 6401 SH SOLE 0 0 6401 PFIZER INC COM 717081103 206007 7765 SH SOLE 0 0 7765 PHILIP MORRIS INTL INC COM 718172109 1294139 10753 SH SOLE 0 0 10753 PIMCO ETF TR 0-5 HIGH YIELD 72201R783 115226 1230 SH SOLE 0 0 1230 PIMCO ETF TR ENHAN SHRT MA AC 72201R833 350258 3491 SH SOLE 0 0 3491 PLANET LABS PBC COM CL A 72703X106 75144 18600 SH SOLE 0 0 18600 PNC FINL SVCS GROUP INC COM 693475105 398235 2065 SH SOLE 0 0 2065 PROCTER AND GAMBLE CO COM 742718109 1183475 7059 SH SOLE 0 0 7059 PROGRESSIVE CORP COM 743315103 210378 878 SH SOLE 0 0 878 QUALCOMM INC COM 747525103 1920284 12500 SH SOLE 0 0 12500 RTX CORPORATION COM 75513E101 451077 3898 SH SOLE 0 0 3898 SALESFORCE INC COM 79466L302 2385190 7134 SH SOLE 0 0 7134 SALESFORCE INC COM 79466L302 2039413 6100 SH Put SOLE 0 0 6100 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5765431 253984 SH SOLE 0 0 253984 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 63852 2469 SH SOLE 0 0 2469 SCHWAB STRATEGIC TR LONG TERM US 808524680 35799 1139 SH SOLE 0 0 1139 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 84337 3167 SH SOLE 0 0 3167 SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 125766 4442 SH SOLE 0 0 4442 SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 39852 1200 SH SOLE 0 0 1200 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 651208 23836 SH SOLE 0 0 23836 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 712274 38501 SH SOLE 0 0 38501 SCHWAB STRATEGIC TR US AGGREGATE B 808524839 274695 12101 SH SOLE 0 0 12101 SCHWAB STRATEGIC TR US TIPS ETF 808524870 5579 216 SH SOLE 0 0 216 SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 38518 1122 SH SOLE 0 0 1122 SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 66034 480 SH SOLE 0 0 480 SELECT SECTOR SPDR TR ENERGY 81369Y506 1183215 13813 SH SOLE 0 0 13813 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 267992 1153 SH SOLE 0 0 1153 SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 3033616 74591 SH SOLE 0 0 74591 SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 231611 3060 SH SOLE 0 0 3060 SHELL PLC SPON ADS 780259305 527439 8419 SH SOLE 0 0 8419 SHOPIFY INC CL A 82509L107 1044480 9823 SH SOLE 0 0 9823 SMITH A O CORP COM 831865209 206913 3033 SH SOLE 0 0 3033 SNAP ON INC COM 833034101 742274 2187 SH SOLE 0 0 2187 SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 9952 200 SH SOLE 0 0 200 SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 68238 1591 SH SOLE 0 0 1591 SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 70508 1203 SH SOLE 0 0 1203 SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1208 39 SH SOLE 0 0 39 SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 440787 12915 SH SOLE 0 0 12915 SPDR S&P 500 ETF TR TR UNIT 78462F103 32653609 55715 SH SOLE 0 0 55715 SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 485507 852 SH SOLE 0 0 852 SPDR SER TR NUVEEN BLOOMBERG 78464A284 31873 1246 SH SOLE 0 0 1246 SPDR SER TR S&P 600 SMCP VAL 78464A300 47115 540 SH SOLE 0 0 540 SPDR SER TR BLOOMBERG SHORT 78464A334 8234 325 SH SOLE 0 0 325 SPDR SER TR BBG CONV SEC ETF 78464A359 311560 4000 SH SOLE 0 0 4000 SPDR SER TR PORTFOLIO INTRMD 78464A375 835708 25510 SH SOLE 0 0 25510 SPDR SER TR PRTFLO S&P500 VL 78464A508 16774 328 SH SOLE 0 0 328 SPDR SER TR BLOOMBERG INTL T 78464A516 394325 18435 SH SOLE 0 0 18435 SPDR SER TR PORTFLI TIPS ETF 78464A656 17717 700 SH SOLE 0 0 700 SPDR SER TR S&P REGL BKG 78464A698 190616 3159 SH SOLE 0 0 3159 SPDR SER TR S&P DIVID ETF 78464A763 43317 328 SH SOLE 0 0 328 SPDR SER TR PORTFOLI S&P1500 78464A805 544088 7617 SH SOLE 0 0 7617 SPDR SER TR PORTFOLIO S&P500 78464A854 54463 790 SH SOLE 0 0 790 SPDR SER TR BLOOMBERG SHT TE 78468R408 1292555 51190 SH SOLE 0 0 51190 SPDR SER TR BLOOMBERG 1-3 MO 78468R663 193901 2121 SH SOLE 0 0 2121 SPDR SER TR SSGA US LRG ETF 78468R804 449206 2719 SH SOLE 0 0 2719 SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101 815293 34314 SH SOLE 0 0 34314 STARBUCKS CORP COM 855244109 578593 6341 SH SOLE 0 0 6341 TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 290705 1472 SH SOLE 0 0 1472 TERADYNE INC COM 880770102 1888800 15000 SH SOLE 0 0 15000 TESLA INC COM 88160R101 4741745 11742 SH SOLE 0 0 11742 TEXAS INSTRS INC COM 882508104 248178 1324 SH SOLE 0 0 1324 TJX COS INC NEW COM 872540109 203927 1688 SH SOLE 0 0 1688 TWILIO INC CL A 90138F102 246747 2283 SH SOLE 0 0 2283 UNION PAC CORP COM 907818108 384019 1684 SH SOLE 0 0 1684 UNITED RENTALS INC COM 911363109 1056660 1500 SH SOLE 0 0 1500 UNITEDHEALTH GROUP INC COM 91324P102 1167981 2309 SH SOLE 0 0 2309 VANECK ETF TRUST GOLD MINERS ETF 92189F106 226407 6677 SH SOLE 0 0 6677 VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 34758 144 SH SOLE 0 0 144 VANECK ETF TRUST BIOTECH ETF 92189F726 5494 35 SH SOLE 0 0 35 VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 493300 6384 SH SOLE 0 0 6384 VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1968191 27370 SH SOLE 0 0 27370 VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 836795 16864 SH SOLE 0 0 16864 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1518995 9390 SH SOLE 0 0 9390 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 735521 2899 SH SOLE 0 0 2899 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 9356514 105035 SH SOLE 0 0 105035 VANGUARD INDEX FDS SML CP GRW ETF 922908595 379227 1354 SH SOLE 0 0 1354 VANGUARD INDEX FDS SM CP VAL ETF 922908611 9513479 48004 SH SOLE 0 0 48004 VANGUARD INDEX FDS MID CAP ETF 922908629 141740 537 SH SOLE 0 0 537 VANGUARD INDEX FDS LARGE CAP ETF 922908637 2771571 10276 SH SOLE 0 0 10276 VANGUARD INDEX FDS EXTEND MKT ETF 922908652 36476 192 SH SOLE 0 0 192 VANGUARD INDEX FDS GROWTH ETF 922908736 11453023 27904 SH SOLE 0 0 27904 VANGUARD INDEX FDS VALUE ETF 922908744 6695607 39549 SH SOLE 0 0 39549 VANGUARD INDEX FDS SMALL CP ETF 922908751 1359527 5658 SH SOLE 0 0 5658 VANGUARD INDEX FDS TOTAL STK MKT 922908769 140558505 485002 SH SOLE 0 0 485002 VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1793279 45331 SH SOLE 0 0 45331 VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3644350 31834 SH SOLE 0 0 31834 VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 472691 4024 SH SOLE 0 0 4024 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1700817 29626 SH SOLE 0 0 29626 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6592388 149691 SH SOLE 0 0 149691 VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 2627683 36989 SH SOLE 0 0 36989 VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 2907652 45811 SH SOLE 0 0 45811 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4156442 85841 SH SOLE 0 0 85841 VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 12943333 258195 SH SOLE 0 0 258195 VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 3225007 55432 SH SOLE 0 0 55432 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4670693 59873 SH SOLE 0 0 59873 VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 4483 50 SH SOLE 0 0 50 VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1581072 27260 SH SOLE 0 0 27260 VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 162046 3574 SH SOLE 0 0 3574 VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2113886 26335 SH SOLE 0 0 26335 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6669942 34060 SH SOLE 0 0 34060 VANGUARD STAR FDS VG TL INTL STK F 921909768 6987241 118568 SH SOLE 0 0 118568 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 16886046 353117 SH SOLE 0 0 353117 VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 1487911 14842 SH SOLE 0 0 14842 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1186674 9301 SH SOLE 0 0 9301 VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 680050 10018 SH SOLE 0 0 10018 VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 38964 617 SH SOLE 0 0 617 VANGUARD WORLD FD ESG INTL STK ETF 921910725 115271 2033 SH SOLE 0 0 2033 VANGUARD WORLD FD ESG US STK ETF 921910733 290784 2772 SH SOLE 0 0 2772 VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 581323 4654 SH SOLE 0 0 4654 VANGUARD WORLD FD CONSUM STP ETF 92204A207 274870 1300 SH SOLE 0 0 1300 VANGUARD WORLD FD ENERGY ETF 92204A306 90133 743 SH SOLE 0 0 743 VANGUARD WORLD FD FINANCIALS ETF 92204A405 16648 141 SH SOLE 0 0 141 VANGUARD WORLD FD HEALTH CAR ETF 92204A504 1200261 4731 SH SOLE 0 0 4731 VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 29255 115 SH SOLE 0 0 115 VANGUARD WORLD FD INF TECH ETF 92204A702 1571333 2527 SH SOLE 0 0 2527 VANGUARD WORLD FD MATERIALS ETF 92204A801 95986 511 SH SOLE 0 0 511 VANGUARD WORLD FD UTILITIES ETF 92204A876 330435 2022 SH SOLE 0 0 2022 VISA INC COM CL A 92826C839 1036313 3279 SH SOLE 0 0 3279 WALMART INC COM 931142103 1081517 11970 SH SOLE 0 0 11970 WELLS FARGO CO NEW COM 949746101 952593 13562 SH SOLE 0 0 13562 WISDOMTREE TR US HIGH DIVIDEND 97717W208 215428 2307 SH SOLE 0 0 2307 WISDOMTREE TR INTL LRGCAP DV 97717W794 116025 2347 SH SOLE 0 0 2347 WISDOMTREE TR JP SMALLCP DIV 97717W836 12774 170 SH SOLE 0 0 170 WISDOMTREE TR FLOATNG RAT TREA 97717Y527 194325 3862 SH SOLE 0 0 3862 WISDOMTREE TR INTERNATIONL EFI 97717Y634 100478 2860 SH SOLE 0 0 2860 WISDOMTREE TR EMERGING MARKETS 97717Y642 53377 1861 SH SOLE 0 0 1861 WISDOMTREE TR US EFFICIENT COR 97717Y790 188722 4042 SH SOLE 0 0 4042 WORLD GOLD TR SPDR GLD MINIS 98149E303 207264 3987 SH SOLE 0 0 3987 YUM BRANDS INC COM 988498101 274089 2043 SH SOLE 0 0 2043