The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 BBG001S5N9M6 911,586 8,303 SH   SOLE   0 0 8,303
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 1,284,315 7,947 SH   SOLE   0 0 7,947
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 270,042 1,012 SH   SOLE   0 0 1,012
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 253,071 752 SH   SOLE   0 0 752
ALLIANT ENERGY CORP COM 018802108 BBG001S8ZQ30 279,307 5,059 SH   SOLE   0 0 5,059
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,294,305 14,587 SH   SOLE   0 0 14,587
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,223,221 13,864 SH   SOLE   0 0 13,864
AMAZON COM INC COM 023135106 BBG001S5PQL7 3,379,740 40,235 SH   SOLE   0 0 40,235
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 685,261 9,197 SH   SOLE   0 0 9,197
AMGEN INC COM 031162100 BBG001S5NNL6 231,386 881 SH   SOLE   0 0 881
APPLE INC COM 037833100 BBG001S5N8V8 28,149,638 216,652 SH   SOLE   0 0 216,652
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 1,533,248 15,745 SH   SOLE   0 0 15,745
AT&T INC COM 00206R102 BBG001S5VWH2 219,136 11,903 SH   SOLE   0 0 11,903
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 1,063,882 4,454 SH   SOLE   0 0 4,454
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 295,165 8,912 SH   SOLE   0 0 8,912
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 468,711 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,477,996 8,022 SH   SOLE   0 0 8,022
BHP GROUP LTD SPONSORED ADS 088606108 BBG001S5P5K4 268,863 4,333 SH   SOLE   0 0 4,333
BLACKROCK FLOATING RATE INCO COM 09255X100 BBG001SBM043 215,403 19,130 SH   SOLE   0 0 19,130
BLACKROCK MUNIHLDGS NY QLTY COM 09255C106 BBG001SB8M69 148,761 14,485 SH   SOLE   0 0 14,485
BLACKSTONE INC COM 09260D107 BBG001S7H949 1,032,229 13,913 SH   SOLE   0 0 13,913
BLEND LABS INC CL A 09352U108 BBG00D0YK7V4 341,280 237,000 SH   SOLE   0 0 237,000
BROADSTONE NET LEASE INC COM 11135E203 BBG001T61WG3 231,608 14,288 SH   SOLE   0 0 14,288
BROWN & BROWN INC COM 115236101 BBG001S5XFN0 1,910,432 33,534 SH   SOLE   0 0 33,534
CAMDEN PPTY TR SH BEN INT 133131102 BBG001S5Q6V9 231,256 2,067 SH   SOLE   0 0 2,067
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 640,241 3,567 SH   SOLE   0 0 3,567
CISCO SYS INC COM 17275R102 BBG001S6HC62 558,840 11,730 SH   SOLE   0 0 11,730
CITIZENS FINL GROUP INC COM 174610105 BBG006Q0HZT0 12,481,274 317,025 SH   SOLE   0 0 317,025
COCA COLA CO COM 191216100 BBG001S5SMQ8 407,867 6,412 SH   SOLE   0 0 6,412
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 236,843 3,006 SH   SOLE   0 0 3,006
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 224,134 6,409 SH   SOLE   0 0 6,409
COMPASS INC CL A 20464U100 BBG00J5SXTJ1 910,788 390,896 SH   SOLE   0 0 390,896
CONSOLIDATED EDISON INC COM 209115104 BBG001S5QRL4 267,345 2,805 SH   SOLE   0 0 2,805
CORNING INC COM 219350105 BBG001S5RLH1 200,519 6,278 SH   SOLE   0 0 6,278
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 439,610 963 SH   SOLE   0 0 963
CREDIT ACCEP CORP MICH COM 225310101 BBG001S71KS5 346,786 731 SH   SOLE   0 0 731
CROCS INC COM 227046109 BBG001SDGFR8 5,443,728 50,205 SH   SOLE   0 0 50,205
CSX CORP COM 126408103 BBG001S5Q7Q3 276,032 8,910 SH   SOLE   0 0 8,910
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 314,143 3,371 SH   SOLE   0 0 3,371
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 414,055 1,560 SH   SOLE   0 0 1,560
DARIOHEALTH CORP COM NEW 23725P209 BBG003V5PCZ5 76,398 17,850 SH   SOLE   0 0 17,850
DATADOG INC CL A COM 23804L103 BBG003NJHZW5 16,206,824 220,501 SH   SOLE   0 0 220,501
DEERE & CO COM 244199105 BBG001S5QFF7 299,274 698 SH   SOLE   0 0 698
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 295,518 9,721 SH   SOLE   0 0 9,721
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 BBG011DXY0L8 2,775,267 63,146 SH   SOLE   0 0 63,146
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 BBG01254K0G0 7,332,983 178,158 SH   SOLE   0 0 178,158
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 BBG011DXXNJ2 624,566 15,010 SH   SOLE   0 0 15,010
DISNEY WALT CO COM 254687106 BBG001S5QHF3 384,616 4,427 SH   SOLE   0 0 4,427
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 259,329 2,518 SH   SOLE   0 0 2,518
ELME COMMUNITIES SH BEN INT 939653101 BBG001S5XJD3 529,550 29,750 SH   SOLE   0 0 29,750
ENHABIT INC COM 29332G102 BBG014QJ5CJ8 197,400 15,000 SH   SOLE   0 0 15,000
EQUITY RESIDENTIAL SH BEN INT 29476L107 BBG001S723L9 328,335 5,565 SH   SOLE   0 0 5,565
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 2,694,188 24,426 SH   SOLE   0 0 24,426
F5 INC COM 315616102 BBG001SCP8D1 245,402 1,710 SH   SOLE   0 0 1,710
FLEXSHARES TR IBOXX 3R TARGT 33939L506 BBG00243PBY5 23,655,899 1,005,778 SH   SOLE   0 0 1,005,778
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 737,855 8,806 SH   SOLE   0 0 8,806
GENERAL MLS INC COM 370334104 BBG001S5RKR2 423,191 5,047 SH   SOLE   0 0 5,047
GOLUB CAP BDC INC COM 38173M102 BBG001T63BY7 658,000 50,000 SH   SOLE   0 0 50,000
HERSHEY CO COM 427866108 BBG001S5S148 526,590 2,274 SH   SOLE   0 0 2,274
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,793,769 5,679 SH   SOLE   0 0 5,679
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 579,896 2,706 SH   SOLE   0 0 2,706
INTEL CORP COM 458140100 BBG001S5SF65 529,102 20,019 SH   SOLE   0 0 20,019
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 457,047 3,244 SH   SOLE   0 0 3,244
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 756,584 25,543 SH   SOLE   0 0 25,543
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 BBG00P4Y2QS5 14,549,215 196,771 SH   SOLE   0 0 196,771
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 BBG001SS8729 237,830 5,725 SH   SOLE   0 0 5,725
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 4,579,777 71,671 SH   SOLE   0 0 71,671
INVESCO EXCH TRADED FD TR II S&P MDCP 400 REV 46138G672 BBG00P4Y2SJ1 1,112,362 12,954 SH   SOLE   0 0 12,954
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 BBG00P4Y2TZ1 1,053,055 9,703 SH   SOLE   0 0 9,703
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 841,125 37,567 SH   SOLE   0 0 37,567
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 2,029,480 14,368 SH   SOLE   0 0 14,368
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 23,930,368 154,240 SH   SOLE   0 0 154,240
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 598,065 2,246 SH   SOLE   0 0 2,246
ISHARES INC MSCI GBL MIN VOL 464286525 BBG0025X39Q6 222,808 2,345 SH   SOLE   0 0 2,345
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 4,256,062 91,136 SH   SOLE   0 0 91,136
ISHARES TR IBONDS DEC 26 46435U259 BBG00NSLFHR9 1,184,416 46,982 SH   SOLE   0 0 46,982
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 1,140,260 6,685 SH   SOLE   0 0 6,685
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 1,070,261 12,621 SH   SOLE   0 0 12,621
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 222,212 4,052 SH   SOLE   0 0 4,052
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 51,803,637 214,162 SH   SOLE   0 0 214,162
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 1,121,309 19,373 SH   SOLE   0 0 19,373
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 336,360 2,218 SH   SOLE   0 0 2,218
ISHARES TR IBONDS DEC 28 46435U325 BBG00NX0QLT6 652,721 26,010 SH   SOLE   0 0 26,010
ISHARES TR IBONDS 27 ETF 46435UAA9 BBG00HPLJP02 22,750,848 973,507 PRN   SOLE   0 0 973,507
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 172,399,926 448,713 SH   SOLE   0 0 448,713
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 2,194,001 34,505 SH   SOLE   0 0 34,505
ISHARES TR IBONDS DEC 27 46435U283 BBG00NVC3ZF1 1,143,997 45,623 SH   SOLE   0 0 45,623
ISHARES TR IBDS DEC28 ETF 46435U515 BBG00M0P3SC7 22,907,191 943,071 SH   SOLE   0 0 943,071
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 503,388 13,282 SH   SOLE   0 0 13,282
ISHARES TR IBONDS DEC2026 46435GAA0 BBG00DST7FD2 22,725,063 973,236 PRN   SOLE   0 0 973,236
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 1,735,594 12,516 SH   SOLE   0 0 12,516
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 33,138,015 459,612 SH   SOLE   0 0 459,612
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 411,127 1,919 SH   SOLE   0 0 1,919
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 1,891,893 28,822 SH   SOLE   0 0 28,822
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 948,806 8,914 SH   SOLE   0 0 8,914
ISHARES TR IBONDS DEC 29 46436E205 BBG00Q79F703 22,649,102 1,021,610 SH   SOLE   0 0 1,021,610
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 5,745,961 32,955 SH   SOLE   0 0 32,955
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 326,553 2,251 SH   SOLE   0 0 2,251
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 4,657,334 22,123 SH   SOLE   0 0 22,123
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 455,364 5,610 SH   SOLE   0 0 5,610
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 26,295,644 426,600 SH   SOLE   0 0 426,600
ISHARES TR IBONDS DEC 46435U697 BBG00KDS8331 272,770 10,593 SH   SOLE   0 0 10,593
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 655,277 9,715 SH   SOLE   0 0 9,715
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 38,582,691 407,678 SH   SOLE   0 0 407,678
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 10,247,901 181,443 SH   SOLE   0 0 181,443
ISHARES TR CORE HIGH DV ETF 46429B663 BBG001V0XLT8 2,271,805 21,794 SH   SOLE   0 0 21,794
ISHARES TR ISHARES SEMICDTR 464287523 BBG001SJ8F58 1,531,112 4,400 SH   SOLE   0 0 4,400
ISHARES TR IBONDS DEC 25 46435U432 BBG00MJW33G3 603,609 22,890 SH   SOLE   0 0 22,890
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 3,946,273 32,722 SH   SOLE   0 0 32,722
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 BBG0059KNK04 4,504,953 91,434 SH   SOLE   0 0 91,434
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 BBG00M8D2458 34,938,282 691,368 SH   SOLE   0 0 691,368
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 20,524,676 409,429 SH   SOLE   0 0 409,429
JACOBS SOLUTIONS INC COM 46982L108 BBG019C1BQS3 357,208 2,975 SH   SOLE   0 0 2,975
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 3,094,025 17,515 SH   SOLE   0 0 17,515
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,874,772 13,980 SH   SOLE   0 0 13,980
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 378,109 1,816 SH   SOLE   0 0 1,816
LILLY ELI & CO COM 532457108 BBG001S5STL8 398,034 1,088 SH   SOLE   0 0 1,088
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 826,060 1,698 SH   SOLE   0 0 1,698
LOWES COS INC COM 548661107 BBG001S5SVL3 203,424 1,021 SH   SOLE   0 0 1,021
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 2,453,235 7,055 SH   SOLE   0 0 7,055
MCDONALDS CORP COM 580135101 BBG001S5T110 644,644 2,446 SH   SOLE   0 0 2,446
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,743,801 15,717 SH   SOLE   0 0 15,717
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 447,304 3,717 SH   SOLE   0 0 3,717
MICROSOFT CORP COM 594918104 BBG001S5TD05 6,486,271 27,046 SH   SOLE   0 0 27,046
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 223,744 3,357 SH   SOLE   0 0 3,357
NATURA &CO HLDG S A ADS 63884N108 BBG00R4ZKQD4 199,479 46,069 SH   SOLE   0 0 46,069
NEKTAR THERAPEUTICS COM 640268108 BBG001S7RDK1 79,242 35,063 SH   SOLE   0 0 35,063
NETFLIX INC COM 64110L106 BBG001SF6L46 251,238 852 SH   SOLE   0 0 852
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 1,182,606 14,146 SH   SOLE   0 0 14,146
NUVEEN FLOATING RATE INCOME COM SHS 6706EN100 BBG001SM3CC5 170,479 21,828 SH   SOLE   0 0 21,828
NUVEEN TAXABLE MUNICPAL INM COM 67074C103 BBG001T6V258 316,726 19,845 SH   SOLE   0 0 19,845
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 227,394 1,556 SH   SOLE   0 0 1,556
ORACLE CORP COM 68389X105 BBG001S5SJG6 639,779 7,827 SH   SOLE   0 0 7,827
OREILLY AUTOMOTIVE INC COM 67103H107 BBG001S78TL6 730,930 866 SH   SOLE   0 0 866
PEPSICO INC COM 713448108 BBG001S695T1 801,046 4,434 SH   SOLE   0 0 4,434
PFIZER INC COM 717081103 BBG001S5V466 679,596 13,263 SH   SOLE   0 0 13,263
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 BBG001T618D9 2,022,325 20,500 SH   SOLE   0 0 20,500
PJT PARTNERS INC COM CL A 69343T107 BBG0079T1MP4 29,980,998 406,853 SH   SOLE   0 0 406,853
PPG INDS INC COM 693506107 BBG001S5VC13 407,398 3,240 SH   SOLE   0 0 3,240
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,267,265 8,361 SH   SOLE   0 0 8,361
RIO TINTO PLC SPONSORED ADR 767204100 BBG001SB0LX9 265,149 3,724 SH   SOLE   0 0 3,724
ROSS STORES INC COM 778296103 BBG001S5VRS1 823,517 7,095 SH   SOLE   0 0 7,095
ROYAL BK CDA SUSTAINABL COM 780087102 BBG001S60869 524,538 5,579 SH   SOLE   0 0 5,579
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 343,697 4,128 SH   SOLE   0 0 4,128
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 439,759 6,661 SH   SOLE   0 0 6,661
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 1,122,471 34,849 SH   SOLE   0 0 34,849
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 232,134 3,073 SH   SOLE   0 0 3,073
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 312,853 5,631 SH   SOLE   0 0 5,631
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 208,994 4,664 SH   SOLE   0 0 4,664
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 319,189 2,565 SH   SOLE   0 0 2,565
SMUCKER J M CO COM NEW 832696405 BBG001S5W3H5 273,344 1,725 SH   SOLE   0 0 1,725
SOUTHERN CO COM 842587107 BBG001S5W777 403,038 5,644 SH   SOLE   0 0 5,644
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 295,683 1,743 SH   SOLE   0 0 1,743
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 49,790,991 130,196 SH   SOLE   0 0 130,196
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 20,514,014 46,329 SH   SOLE   0 0 46,329
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 23,561,717 364,056 SH   SOLE   0 0 364,056
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 37,195,568 734,075 SH   SOLE   0 0 734,075
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 20,588,294 315,095 SH   SOLE   0 0 315,095
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 28,220,158 225,563 SH   SOLE   0 0 225,563
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 12,761,619 176,656 SH   SOLE   0 0 176,656
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 44,672,035 1,148,677 SH   SOLE   0 0 1,148,677
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 19,400,739 261,395 SH   SOLE   0 0 261,395
STARBUCKS CORP COM 855244109 BBG001S72KH6 265,162 2,673 SH   SOLE   0 0 2,673
SYSCO CORP COM 871829107 BBG001S5WJS8 454,801 5,949 SH   SOLE   0 0 5,949
TESLA INC COM 88160R101 BBG001SQKGD7 240,817 1,955 SH   SOLE   0 0 1,955
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 208,673 1,263 SH   SOLE   0 0 1,263
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 237,347 431 SH   SOLE   0 0 431
TJX COS INC NEW COM 872540109 BBG001S5WQ93 935,539 11,753 SH   SOLE   0 0 11,753
TYSON FOODS INC CL A 902494103 BBG001S871D5 209,222 3,361 SH   SOLE   0 0 3,361
UNION PAC CORP COM 907818108 BBG001S5X2M0 460,524 2,224 SH   SOLE   0 0 2,224
UNITED BANKSHARES INC WEST V COM 909907107 BBG001S5WZV8 833,932 20,596 SH   SOLE   0 0 20,596
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 576,836 1,088 SH   SOLE   0 0 1,088
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 BBG001TC6MR5 947,486 5,467 SH   SOLE   0 0 5,467
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 BBG001TC6MJ4 1,218,361 7,449 SH   SOLE   0 0 7,449
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 4,510,389 54,685 SH   SOLE   0 0 54,685
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 2,764,830 7,869 SH   SOLE   0 0 7,869
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 283,363 1,413 SH   SOLE   0 0 1,413
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 8,897,164 46,536 SH   SOLE   0 0 46,536
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 522,882 3,866 SH   SOLE   0 0 3,866
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 603,549 4,300 SH   SOLE   0 0 4,300
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,005,909 10,929 SH   SOLE   0 0 10,929
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 579,446 2,719 SH   SOLE   0 0 2,719
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,032,869 6,504 SH   SOLE   0 0 6,504
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 474,576 3,572 SH   SOLE   0 0 3,572
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 327,163 1,820 SH   SOLE   0 0 1,820
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 1,669,512 33,297 SH   SOLE   0 0 33,297
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 287,457 2,796 SH   SOLE   0 0 2,796
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 6,302,794 161,693 SH   SOLE   0 0 161,693
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 52,467,178 1,123,254 SH   SOLE   0 0 1,123,254
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 530,014 7,049 SH   SOLE   0 0 7,049
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 377,961 4,876 SH   SOLE   0 0 4,876
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 859,659 5,661 SH   SOLE   0 0 5,661
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 408,019 7,889 SH   SOLE   0 0 7,889
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 18,866,311 449,519 SH   SOLE   0 0 449,519
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 958,091 8,854 SH   SOLE   0 0 8,854
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 408,302 10,363 SH   SOLE   0 0 10,363
VISA INC COM CL A 92826C839 BBG001SRCFY3 427,570 2,058 SH   SOLE   0 0 2,058
WALGREENS BOOTS ALLIANCE INC COM 931427108 BBG001S5XBY7 279,528 7,482 SH   SOLE   0 0 7,482
WALMART INC COM 931142103 BBG001S5XH92 283,155 1,997 SH   SOLE   0 0 1,997
WESTERN ASSET EMERGING MKTS COM 95766A101 BBG001SCCJM1 123,723 13,581 SH   SOLE   0 0 13,581
WISDOMTREE TR US QTLY DIV GRT 97717X669 BBG004LMH3Z6 366,989 6,080 SH   SOLE   0 0 6,080
WISDOMTREE TR PUTWRITE STRAT 97717X560 BBG00C839794 403,482 13,435 SH   SOLE   0 0 13,435
WISDOMTREE TR EMER MKT HIGH FD 97717W315 BBG001SV1SY8 325,393 9,130 SH   SOLE   0 0 9,130