Systems Administrator

0001635523-24-000001.txt : 20240212 0001635523-24-000001.hdr.sgml : 20240212 20240212154900 ACCESSION NUMBER: 0001635523-24-000001 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20231231 FILED AS OF DATE: 20240212 DATE AS OF CHANGE: 20240212 EFFECTIVENESS DATE: 20240212 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CLEAR INVESTMENT RESEARCH, LLC CENTRAL INDEX KEY: 0001635523 ORGANIZATION NAME: IRS NUMBER: 463868027 STATE OF INCORPORATION: GA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-16875 FILM NUMBER: 24619673 BUSINESS ADDRESS: STREET 1: 284 SOUTH MAIN STREET STREET 2: SUITE 900 CITY: ALPHARETTA STATE: GA ZIP: 30009 BUSINESS PHONE: 678-293-8667 MAIL ADDRESS: STREET 1: 284 SOUTH MAIN STREET STREET 2: SUITE 900 CITY: ALPHARETTA STATE: GA ZIP: 30009 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE false false false 0001635523 XXXXXXXX 12-31-2023 12-31-2023 CLEAR INVESTMENT RESEARCH, LLC

284 SOUTH MAIN STREET SUITE 900 ALPHARETTA GA 30009

13F HOLDINGS REPORT 028-16875 N Travis Jennings Systems Administrator 6782938688 travis jennings alpharetta GA 02-12-2024 0 273 71025728 false INFORMATION TABLE 2 cir4q202313f.xml CIR 4Q 2023 13F AT&T COM 00206R102 27653 1648 SH SOLE 0 0 1648 ARK ETF TR INNOVATION ETF 00214Q104 3614 69 SH SOLE 0 0 69 ABBOTT LABS COM 002824100 8806 80 SH SOLE 0 0 80 ABBVIE INC COM 00287Y109 48041 310 SH SOLE 0 0 310 ADOBE INC COM 00724F101 38779 65 SH SOLE 0 0 65 ADVANCED MICRO DEVICES INC COM 007903107 59996 407 SH SOLE 0 0 407 AIRBNB INC COM CL A 009066101 953 7 SH SOLE 0 0 7 AIR PRODS & CHEMS INC COM 009158106 35078 128 SH SOLE 0 0 128 ALBEMARLE CORP COM 012653101 13793 95 SH SOLE 0 0 95 ALPHABET INC CAP STK CL C 02079K107 34528 245 SH SOLE 0 0 245 ALPHABET INC CAP STK CL A 02079K305 294187 2106 SH SOLE 0 0 2106 AMAZON COM INC COM 023135106 502314 3306 SH SOLE 0 0 3306 AMERICAN TOWER CORP NEW COM 03027X100 5020 23 SH SOLE 0 0 23 AMGEN INC COM 031162100 6048 21 SH SOLE 0 0 21 ELEVANCE HEALTH INC COM 036752103 4716 10 SH SOLE 0 0 10 APPLE INC COM 037833100 2805597 14572 SH SOLE 0 0 14572 APPLIED MATLS INC COM 038222105 98539 608 SH SOLE 0 0 608 ASTRAZENECA PLC SPONSORED Adr 046353108 18858 280 SH SOLE 0 0 280 AUTOMATIC DATA PROCESSING INC COM 053015103 19104 82 SH SOLE 0 0 82 BANK AMER CORP COM 060505104 592983 17611 SH SOLE 0 0 17611 BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 160034 5266 SH SOLE 0 0 5266 BERSHIRE HATHAWAY INC DEL CL B NEW 084670702 292818 821 SH SOLE 0 0 821 BEST BUY INC COM 086516101 70452 900 SH SOLE 0 0 900 BLACKROCK INC COM 09247X101 6562 8 SH SOLE 0 0 8 BOEING CO COM 097023105 4953 19 SH SOLE 0 0 19 BRISTOL-MYERS SQUIBB CO COM 110122108 25655 500 SH SOLE 0 0 500 BROADCOM INC COM 11135F101 79288 71 SH SOLE 0 0 71 CME GROUP INC COM 12572Q105 4844 23 SH SOLE 0 0 23 CVS HEALTH GROUP COM 126650100 193651 2452 SH SOLE 0 0 2452 CADENCE DESIGN SYSTEM INC COM 127387108 68093 250 SH SOLE 0 0 250 CANNAE HLDGS INC COM 13765N107 20 1 SH SOLE 0 0 1 CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109 52419 2196 SH SOLE 0 0 2196 CARNIVAL CORP COMMON STOCK 143658300 593 32 SH SOLE 0 0 32 CHENIERE ENERGY INC COM NEW 16411R208 5121 30 SH SOLE 0 0 30 CHEVRON CORP NEW COM 166764100 41980 281 SH SOLE 0 0 281 CISCO SYS INC COM 17275R102 16672 330 SH SOLE 0 0 330 CINTAS CORP COM 172908105 6629 11 SH SOLE 0 0 11 COCA COLA CO COM 191216100 56164 953 SH SOLE 0 0 953 COINBASE GLOBAL INC COM CL A 19260Q107 174 1 SH SOLE 0 0 1 COMCAST CORP NEW CL A 20030N101 2719 62 SH SOLE 0 0 62 CONAGRA BANDS INC COM 205887102 3246 113 SH SOLE 0 0 113 CORNING INC COM 219350105 2071 68 SH SOLE 0 0 68 CORTEVA INC COM 22052L104 0 0 SH SOLE 0 0 0 COSTCO WHSL CORP NEW COM 22160K105 15842 24 SH SOLE 0 0 14 DXC TECHNOLOGY CO COM 23355L106 335 14 SH SOLE 0 0 14 DANAHER CORPORATION COM 235851102 5089 22 SH SOLE 0 0 22 DELL TECHNOLOGIES INC CL C 24703L202 5049 66 SH SOLE 0 0 66 DELTA AIR LINES INC DEL COM NEW 247361702 405 10 SH SOLE 0 0 10 DEXCOM INC COM 252131107 9183 74 SH SOLE 0 0 74 DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 253841 8863 SH SOLE 0 0 8863 DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 111917 2138 SH SOLE 0 0 2138 DISNEY WALT CO COM DISNEY 254687106 4605 51 SH SOLE 0 0 51 DOLLAR GEN CORP NEW COM 256677105 23927 176 SH SOLE 0 0 176 DOLLAR TREE INC COM 256746108 738660 5200 SH SOLE 0 0 5200 DRAFTKINGS INC COM CL A 26142V105 3525 100 SH SOLE 0 0 100 DUPONT DE NEMOURS INC COM 26614N102 0 0 SH SOLE 0 0 0 ECOLAB INC COM 278865100 3185 16 SH SOLE 0 0 16 ESSENTIAL PPTYS RLTY TR INC COM 29670E107 0 0 SH SOLE 0 0 0 EVERSOURCE ENERGY COM 30040W108 3086 50 SH SOLE 0 0 50 EXELIXIS INC COM 30161Q104 4054 169 SH SOLE 0 0 169 EXXON MOBIL CORP COM 30231G102 100458 1004 SH SOLE 0 0 1004 META PLATFORMS INC CL A 30303M102 32760 92 SH SOLE 0 0 92 FASTERNAL CO COM 311900104 6477 100 SH SOLE 0 0 100 FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352 24117 724 SH SOLE 0 0 724 FIDELITY CONVINGTON TRUST ENHANCED MID 31609A503 11143 408 SH SOLE 0 0 408 FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 1672466 36326 SH SOLE 0 0 36326 FIDELITY NATL INFORMATION SV COM 31620M106 52717 877 SH SOLE 0 0 877 FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 191 3 SH SOLE 0 0 3 FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853 50109 1186 SH SOLE 0 0 1186 FISERV INC COM 337738108 7306 55 SH SOLE 0 0 55 FORD MTR CO DEL COM 345370860 7590 622 SH SOLE 0 0 622 FORTUNE BRANDS HOME & SEC IN COM 34964C106 15228 200 SH SOLE 0 0 200 GENERAC HLDGS INC COM 368736104 6462 50 SH SOLE 0 0 50 GENERAL ELECTRIC CO COM NEW 369604301 38289 300 SH SOLE 0 0 300 GENERAL MLS INC COM 370334104 1249 19 SH SOLE 0 0 19 GENERAL MTRS CO COM 37045V100 467 13 SH SOLE 0 0 13 GRAPHIC PACKAGING HLDG CO COM 388689101 5580844 226403 SH SOLE 0 0 226403 HP INC COM 40434L105 6781 225 SH SOLE 0 0 225 HEWLETT PACKARD ENTERPRISE C COM 42824C109 3573 210 SH SOLE 0 0 210 HOME DEPOT INC COM 437076102 81439 235 SH SOLE 0 0 235 HONEYWELL INTL INC COM 438516106 17123 81 SH SOLE 0 0 81 HUBBELL INC COM 443510607 8552 26 SH SOLE 0 0 26 IDEXX LABS INC COM 45168D104 13876 25 SH SOLE 0 0 25 ILLINOIS TOOL WKS INC COM 452308109 18892 72 SH SOLE 0 0 72 INTELLIA THEREAPEUTICS INC COM 45826J105 335 11 SH SOLE 0 0 11 INTERNATIONAL BUSINESS MACHS COM 459200101 1636 10 SH SOLE 0 0 10 INVESCO QQQ TR UNIT SER 1 46090E103 176913 432 SH SOLE 0 0 432 INTUIT COM 461202103 8750 14 SH SOLE 0 0 14 INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 260157 4810 SH SOLE 0 0 4810 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 34719 220 SH SOLE 0 0 220 INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 96559 1541 SH SOLE 0 0 1541 INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 82 4 SH SOLE 0 0 4 INVESCO EXCHNG TRADED FD TR SOLAR ETF 46138G706 10510 197 SH SOLE 0 0 197 INVESCO EXCHANGE TRADED FD T TREAS COLATERL 46138G888 63573 601 SH SOLE 0 0 601 ISHARES GOLD TR ISHARES NEW 464285204 80948 2074 SH SOLE 0 0 2074 ISHARES MSCI FRNTR100ETF 464286145 278 10 SH SOLE 0 0 10 ISHARES MIN VOL EMRG MKT 464286533 219229 3943 SH SOLE 0 0 3943 ISHARES TR TIPS BD ETF 464287176 569991 5302 SH SOLE 0 0 5302 ISHARES TR CORE S&P500 ETF 464287200 7784175 16297 SH SOLE 0 0 16297 ISHARES TR CORE US AGGBD ET 464287226 360079 3628 SH SOLE 0 0 3628 ISHARES TR S&P 500 GRWT ETF 464287309 1065318 14185 SH SOLE 0 0 14185 ISHARES TR GLOBAL ENERG ETF 464287341 0 0 SH SOLE 0 0 0 ISHARES TR S&P 500 VAL ETF 464287408 1238040 7119 SH SOLE 0 0 7119 ISHARES TR 20 YR TR BD ETF 464287432 45485 460 SH SOLE 0 0 460 ISHARES TR RUS MD CAP GR ETF 464287499 14597 187 SH SOLE 0 0 187 ISHARES TR CORE S&P MCP ETF 464287507 5307317 19149 SH SOLE 0 0 19149 ISHARES TR ISHARES SEMICDTR 464287523 69708 121 SH SOLE 0 0 121 ISHARES TR RUS 1000 GRW ETF 464287614 77915 257 SH SOLE 0 0 257 ISHARES TR RUS 2000 VAL ETF 464287630 357934 2303 SH SOLE 0 0 2303 ISHARES TR RUS 2000 GRW ETF 464287648 393623 1560 SH SOLE 0 0 1560 ISHARES TR RUSSELL 2000 ETF 464287655 94441 470 SH SOLE 0 0 470 ISHARES TR U.S REAL ES ETF 464287739 206006 2253 SH SOLE 0 0 2253 ISHARES TR CORE S&P SCP ETF 464287804 2248269 20769 SH SOLE 0 0 20769 ISHARES TR CORE SMC600VL ETF 464287879 304366 2953 SH SOLE 0 0 2953 ISHARES TR SP SMCP600GR ETF 464287887 303967 2429 SH SOLE 0 0 2429 ISHARES TR INTL TREA BD ETF 464288117 79519 1924 SH SOLE 0 0 1924 ISHARES TR MSCI ACWI EX US 464288240 4678 91 SH SOLE 0 0 91 ISHARES TR MSCI ACWI ETF 464288257 3618 35 SH SOLE 0 0 35 ISHARES TR EAFE SML CP ETF 464288273 159195 2571 SH SOLE 0 0 2571 ISHARES TR JP MOR EM MK ETF 464288281 122043 1370 SH SOLE 0 0 1370 ISHARES TR MRGSTR MD CP VAL 464288406 132446 1955 SH SOLE 0 0 1955 ISHARES TR IBOXX HI YD ETF 464288513 520020 6719 SH SOLE 0 0 6719 ISHARES TR ISHS 5-10YR INVT 464288638 418751 8052 SH SOLE 0 0 8052 ISHARES TR ISHARES 46428Q109 39814 1828 SH SOLE 0 0 1828 ISHARES TR CORE HIGH DV ETF 46429B663 70024 686 SH SOLE 0 0 686 ISHARES TR MIN VOL EAFE ETF 46429B689 15047 217 SH SOLE 0 0 217 ISHARES TR MSCI USA MIN VOL 46429B697 28515 365 SH SOLE 0 0 365 ISHARES TR 0-5 YR TIPS ETF 46429B747 733184 7436 SH SOLE 0 0 7436 ISHARES US ETF TR BLACKROCK SH DUR 46431W507 98648 1952 SH SOLE 0 0 1952 ISHARES TR MSCI USA QLT FCT 46432F339 273154 1856 SH SOLE 0 0 1856 ISHARES TR MSCI USA MMENTM 46432F396 13649 87 SH SOLE 0 0 87 ISHARES TR CORE MSCI TOTAL 46432F834 218108 3359 SH SOLE 0 0 3359 ISHARES TR CORES MSCI EAFE 46432F842 3015402 42862 SH SOLE 0 0 42862 ISHARES TR CORE 1 5 YR USD 46432F859 105695 2222 SH SOLE 0 0 2222 ISHARES INC CORE MSCI EMKT 46434G103 2309819 45666 SH SOLE 0 0 45666 ISHARES TR U S EQUITY FACTR 46434V282 184371 3818 SH SOLE 0 0 3818 ISHARES TR EXPONENTIAL TECH 46434V381 32030 535 SH SOLE 0 0 535 ISHARES TR MSCI INTL MOMENT 46434V449 15853 462 SH SOLE 0 0 462 ISHARES TR CORE DIV GRWTH 46434V621 249321 4632 SH SOLE 0 0 4632 JPMORGAN CHASE & CO COM 46625H100 23730 139 SH SOLE 0 0 139 JOHN HANCOCK EXCHAGE TRADED MULTIFACTOR MI 47804J206 72783 1382 SH SOLE 0 0 1382 JOHNSON & JOHNSON COM 478160104 296967 1894 SH SOLE 0 0 1894 KEARNY FINL CORP MD COM 48716P108 269 30 SH SOLE 0 0 30 KENVUE INC COM 49177J102 1053 48 SH SOLE 0 0 48 KEURIG DR PEPPER INC COM 49271V100 8297 249 SH SOLE 0 0 249 KINDER MORGAN INC DEL COM 49456B101 7744 439 SH SOLE 0 0 439 KROGER CO COM 501044101 967 21 SH SOLE 0 0 21 L3HARRIS TECHNOLOGIES INC COM 502431109 1502 7 SH SOLE 0 0 7 LAMB RESEARCH CORP COM 512807108 788 1 SH SOLE 0 0 1 LAMB WESTON HLDGS INC COM 513272104 3503 32 SH SOLE 0 0 32 LEVI STRAUSS & CO NEW CL A COM STK 52736R102 4962 300 SH SOLE 0 0 300 LILLY ELI & CO COM 532457108 1529045 2623 SH SOLE 0 0 2623 LITHIUM AMERS CORP NEW COM SHS 53681J103 4563 713 SH SOLE 0 0 713 LITHIUM AMERICAS ARGENTINA C COM SHS 53681K100 4279 677 SH SOLE 0 0 677 LOCKHEED MARTIN CORP COM 539830109 43382 95 SH SOLE 0 0 95 LOWES COS INC COM 548661107 222550 1000 SH SOLE 0 0 1000 MPLX LP COM UNIT REP LTD 55336V100 25704 700 SH SOLE 0 0 700 MARSH & MCLENNAN COS INC COM 571748102 32968 174 SH SOLE 0 0 174 MARVELL TECHNOLOGY COM 573874104 411 74 SH SOLE 0 0 74 MASTERCARD INCORPORATED CL A 57636Q104 12369 29 SH SOLE 0 0 29 MCDONALDS CORP COM 580135101 37953 128 SH SOLE 0 0 128 MERCK & CO INC COM 58933Y105 38920 357 SH SOLE 0 0 357 MICROSOFT CORP COM 594918104 1490934 3964 SH SOLE 0 0 3964 MONDELEZ INTL INC CL A 609207105 38315 529 SH SOLE 0 0 529 MONSTER BEVERAGE CORP NEW COM 61174X109 5934 103 SH SOLE 0 0 103 MULLEN AUTOMOTIVE INC COM NEW 62526P406 14 1 SH SOLE 0 0 1 NETFLIX INC COM 64110L106 42476 87 SH SOLE 0 0 87 NEXTERA ENERGY INC COM 65339F101 27826 458 SH SOLE 0 0 458 NIKE INC CL B 654106103 7491 69 SH SOLE 0 0 69 NVIDIA CORP COM 67066G104 522053 1054 SH SOLE 0 0 1054 OCCIDENTAL PETE CORP COM 674599105 959 16 SH SOLE 0 0 16 OLD DOMINION FREIGHT LINE IN COM 979580100 1627 4 SH SOLE 0 0 4 ON SEMICONDUCTOR CORP COM 682189105 1504 18 SH SOLE 0 0 18 ORACLE CORP COM 68389X105 37322 354 SH SOLE 0 0 354 PNC FINL SVCS GROUP INC COM 693475105 16259 105 SH SOLE 0 0 105 PALO ALTO NETWORKS INC COM 697435105 1474 5 SH SOLE 0 0 5 PAYCHEX INC COM 704326107 36571 307 SH SOLE 0 0 307 PAYCOM SOFTWARE INC COM 70432V102 20322 98 SH SOLE 0 0 98 PEPSICO INC COM 713448108 52481 309 SH SOLE 0 0 309 PFIZER INC COM 717081103 68837 2391 SH SOLE 0 0 2391 PHILLIPS 66 COM 718546104 18240 137 SH SOLE 0 0 137 PIMCO ETF TR ENHNCD LW DUR AC 72201R718 223255 2356 SH SOLE 0 0 2356 PIMCO EFT TR 0-5 HIGH YIELD 72201R783 10890 117 SH SOLE 0 0 117 PROCTOR AND GAMBLE CO COM 742718109 209703 1431 SH SOLE 0 0 1431 PROLOGIS INC COM 74340W103 32323 242 SH SOLE 0 0 242 PROSHARES TR ULTRAPRO QQQ 74347X831 11120 219 SH SOLE 0 0 219 QUALCOMM INC COM 747525103 11715 81 SH SOLE 0 0 81 RTX CORPORATION COM 75513E101 12014 142 SH SOLE 0 0 142 REALTY INCOME CORP COM 756109104 13896 242 SH SOLE 0 0 242 REGIONS FINANCIAL CORP NEW COM 7591EP100 4496 232 SH SOLE 0 0 232 ROYAL BK CDA SUSTAINABL COM 780087102 6776 67 SH SOLE 0 0 67 RYDER SYS INC COM 783549108 245768 2136 SH SOLE 0 0 2136 SPDR S&P 500 ETF TR TR UNIT 78462F103 160179 337 SH SOLE 0 0 337 SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 120123 3532 SH SOLE 0 0 3532 SPDR SER TR PORT MTG BK ETF 78464A383 330039 14954 SH SOLE 0 0 14954 SPDR SER TR PRTFLO S&P500 GW 78464A409 66361 1020 SH SOLE 0 0 1020 SPDR SER TR PRTFLO S&P500 VL 78464A508 102773 2204 SH SOLE 0 0 2204 SPDR SER TR PORTFOLIO LN TSR 78464A664 38364 1322 SH SOLE 0 0 1322 SPDR SER TR PORTFLI INTRMDIT 78464A672 484089 16949 SH SOLE 0 0 16949 SPDR SER TR PORTFOLIO S&P400 78464A847 714198 14659 SH SOLE 0 0 14659 SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 15514 370 SH SOLE 0 0 370 SPDR SER TR S&P KENSHO NEW 78468R648 31756 680 SH SOLE 0 0 680 SPDR SER TR PRTFLO S&P500 HI 78468R788 94174 2403 SH SOLE 0 0 2403 SALESFORCE INC COM 79466L302 10789 41 SH SOLE 0 0 41 SCHWAB CHARLES CORP COM 808513105 12384 180 SH SOLE 0 0 180 SCWAB STRATEGIC TR US LRG CAP ETF 808524201 2399256 42540 SH SOLE 0 0 42540 SCWAB STRATEGIC TR US LCAP GR ETF 808524300 601377 7249 SH SOLE 0 0 7249 SCWAB STRATEGIC TR US LCAP GR ETF 808524409 485583 6927 SH SOLE 0 0 6927 SCWAB STRATEGIC TR US MID-CAP ETF 808524508 1095981 14551 SH SOLE 0 0 14551 SCWAB STRATEGIC TR US SML CAP ETF 808524607 580816 12295 SH SOLE 0 0 12295 SCWAB STRATEGIC TR EMRD MKTEQ ETF 808524706 105481 4255 SH SOLE 0 0 4255 SCWAB STRATEGIC TR 1000 INDEX ETF 808524722 86731 1883 SH SOLE 0 0 1883 SCWAB STRATEGIC TR US DIVIDEND EQ 808524797 126985 1668 SH SOLE 0 0 1668 SCWAB STRATEGIC TR INTL EQTY ETF 808524805 555361 15026 SH SOLE 0 0 15026 SCWAB STRATEGIC TR US REIT ETF 808524847 211263 10201 SH SOLE 0 0 10201 SCWAB STRATEGIC TR SHT TM US TRES 808524862 1331720 27486 SH SOLE 0 0 27486 SCWAB STRATEGIC TR US TIPS ETF 808524870 669963 12834 SH SOLE 0 0 12834 SCWAB STRATEGIC TR INTL SCEQT ETF 808524888 47032 1348 SH SOLE 0 0 1348 SEMPRA COM 816851109 24362 326 SH SOLE 0 0 326 SERVICENOW INC COM 81762P102 13423 19 SH SOLE 0 0 19 SNAP INC CL A 83304A106 17 1 SH SOLE 0 0 1 SOUTHERN CO COM 842587107 140694 2006 SH SOLE 0 0 2006 STARBUCKS CORP COM 855244109 37873 394 SH SOLE 0 0 394 SYNOPSYS INC COM 871607107 72087 140 SH SOLE 0 0 140 TJX COS INC NEW COM 872540109 6848 73 SH SOLE 0 0 73 T-MOBILE US INC COM 872590104 3375 21 SH SOLE 0 0 21 TAKE- TWO INTERACTIVE SOFTWAR COM 874054109 3702 23 SH SOLE 0 0 23 TESLA INC COM 88160R101 69823 281 SH SOLE 0 0 281 TEXAS INSTRS INC COM 882508104 23353 137 SH SOLE 0 0 137 TORONTO DOMINION BK ONT COM NEW 891160509 646 10 SH SOLE 0 0 10 TRAVELERS COMPANIES INC COM 89417E109 20954 110 SH SOLE 0 0 110 TRUIST FINL CORP COM 89832Q109 91599 2481 SH SOLE 0 0 2481 US BANKCORP DEL COM NEW 902973304 19130 442 SH SOLE 0 0 442 UBER TECHNOLOGIES INC COM 90353T100 2524 41 SH SOLE 0 0 41 UNION PAC CORP COM 907818108 5649 23 SH SOLE 0 0 23 UNITED PARCEL SERVICE INC CL B 911312106 1101 7 SH SOLE 0 0 7 UNITED STS OIL FD LP UNITS 91232N207 68916 1034 SH SOLE 0 0 1034 UNITEDHEALTH GROUP INC COM 91324P102 53654 101 SH SOLE 0 0 101 VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 3425712 119030 SH SOLE 0 0 119030 VANECK ETF TRUST MORNINGSTAR SMID 92189H730 17597 558 SH SOLE 0 0 558 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 88400 518 SH SOLE 0 0 518 VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 85261 1107 SH SOLE 0 0 1107 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 783440 16355 SH SOLE 0 0 16355 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4354 39 SH SOLE 0 0 39 VANGUARD SCOTTSDALE FDS SHRT TMR CORP BD 92206C409 464 6 SH SOLE 0 0 6 VEEVA SYS INC CL A COM 922475108 4620 24 SH SOLE 0 0 24 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3966079 44885 SH SOLE 0 0 44885 VANGUARD INDEX FDS LARGE CAP ETF 922908637 499673 2290 SH SOLE 0 0 2290 VANGUARD INDEX FDS TOTAL STK MKT 922908769 87189 367 SH SOLE 0 0 367 VERISK ANALYTICS INC COM 92345Y106 6210 26 SH SOLE 0 0 26 VIAD CORP COM NEW 92552R406 1547 42 SH SOLE 0 0 42 VIATRIS INC COM 92556V106 2686 248 SH SOLE 0 0 248 VISA INC COM CL A 92826C839 46899 180 SH SOLE 0 0 180 WEC ENERGY GROUP INC COM 92939U106 10774 128 SH SOLE 0 0 128 WABTEC COM 929740108 1523 12 SH SOLE 0 0 12 WALMART INC COM 931142103 97351 617 SH SOLE 0 0 617 WALGREENS BOOT ALLIANCE INC COM 931427108 20888 800 SH SOLE 0 0 800 WARNER BROS DISCOVERY INC COM SER A 934423104 4529 398 SH SOLE 0 0 398 WASTE MGMT INC DEL COM 94106L109 1075 6 SH SOLE 0 0 6 WELLS FARGO CO NEW COM 949746101 134567 2734 SH SOLE 0 0 2734 WILLIAMS COS INC COM 969457100 20585 591 SH SOLE 0 0 591 ZOETIS INC CL A 98978V103 8092 41 SH SOLE 0 0 41 ACCENTURE PLC IRELAND SHS CLASS A G1151C101 8422 24 SH SOLE 0 0 24 EATON CORP PLC SHS G29183103 29380 122 SH SOLE 0 0 122 EVEREST GROUP LTD COM G3223R108 4597 13 SH SOLE 0 0 13 INVESCO LTD SHS G491BT108 17840 1000 SH SOLE 0 0 1200 JOHNSON CTLS INTL PLC SHS G51502105 1153 20 SH SOLE 0 0 20 LINDE PLC SHS G54950103 7393 18 SH SOLE 0 0 18 MEDTRONIC PLC SHS G5960L103 47016 600 SH SOLE 0 0 600 CRISPR THERAPEUTICS AG NAMEN AKT H17182108 1315 21 SH SOLE 0 0 21 NXP SEMICONDUCTORS N V COM N6596X109 10336 45 SH SOLE 0 0 45 CNH INDL N V SHS N20944109 2034 167 SH SOLE 0 0 167