Chief Compliance Officer

0001085146-23-000496.txt : 20230201 0001085146-23-000496.hdr.sgml : 20230201 20230131204347 ACCESSION NUMBER: 0001085146-23-000496 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20221231 FILED AS OF DATE: 20230201 DATE AS OF CHANGE: 20230131 EFFECTIVENESS DATE: 20230201 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SAGE RHINO CAPITAL LLC CENTRAL INDEX KEY: 0001771605 IRS NUMBER: 823527027 STATE OF INCORPORATION: CA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-19473 FILM NUMBER: 23574471 BUSINESS ADDRESS: STREET 1: 525 MIDDLEFIELD ROAD, SUITE 119 CITY: MENLO PARK STATE: CA ZIP: 94025 BUSINESS PHONE: 6503525600 MAIL ADDRESS: STREET 1: 525 MIDDLEFIELD ROAD, SUITE 119 CITY: MENLO PARK STATE: CA ZIP: 94025 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE false false false 0001771605 XXXXXXXX 12-31-2022 12-31-2022 false SAGE RHINO CAPITAL LLC

525 MIDDLEFIELD ROAD, SUITE 119 MENLO PARK CA 94025

13F HOLDINGS REPORT 028-19473 N Caroline Novak Chief Compliance Officer 650-352-5600 /s/Caroline Novak Menlo Park CA 01-31-2023 0 211 314609125 false INFORMATION TABLE 2 infotable.xml INFORMATION TABLE ABBOTT LABS COM 002824100 BBG001S5N9M6 318171 2898 SH SOLE 0 0 2898 ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 374127 2315 SH SOLE 0 0 2315 ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 338549 1006 SH SOLE 0 0 1006 AEGON N V NY REGISTRY SHS 007924103 BBG001S6Y6M8 103446 20525 SH SOLE 0 0 20525 AERCAP HOLDINGS NV SHS N00985106 BBG001SNX4Y4 438216 7514 SH SOLE 0 0 7514 AES CORP COM 00130H105 BBG001S6B1L5 1942035 67526 SH SOLE 0 0 67526 ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1002999 11368 SH SOLE 0 0 11368 ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 2474426 27887 SH SOLE 0 0 27887 AMAZON COM INC COM 023135106 BBG001S5PQL7 1392888 16582 SH SOLE 0 0 16582 AMERESCO INC CL A 02361E108 BBG001S6P9W1 270215 4729 SH SOLE 0 0 4729 AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 BBG00Q6ZDXT0 1871998 37106 SH SOLE 0 0 37106 AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 BBG012NXXGN9 413283 10085 SH SOLE 0 0 10085 AMERICAN CENTY ETF TR INTL EQT ETF 025072703 BBG00Q9MQ6T1 4730478 88935 SH SOLE 0 0 88935 AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 368078 6650 SH SOLE 0 0 6650 AMERICAN CENTY ETF TR US EQT ETF 025072885 BBG00Q9MPQH1 7486803 110084 SH SOLE 0 0 110084 AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 BBG012NL46D0 7827733 155962 SH SOLE 0 0 155962 AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 10200980 136908 SH SOLE 0 0 136908 AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 738602 4999 SH SOLE 0 0 4999 AMGEN INC COM 031162100 BBG001S5NNL6 1048722 3993 SH SOLE 0 0 3993 APPLE INC COM 037833100 BBG001S5N8V8 7920024 60956 SH SOLE 0 0 60956 ASML HOLDING N V N Y REGISTRY SHS N07059210 BBG001SCG0R3 650216 1190 SH SOLE 0 0 1190 ASTRAZENECA PLC SPONSORED ADR 046353108 BBG001SB80N8 720239 10623 SH SOLE 0 0 10623 AT&T INC COM 00206R102 BBG001S5VWH2 215673 11715 SH SOLE 0 0 11715 BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 BBG001S5XP76 218482 36353 SH SOLE 0 0 36353 BANCO SANTANDER S.A. ADR 05964H105 BBG001S5WCX7 124994 42371 SH SOLE 0 0 42371 BARCLAYS PLC ADR 06738E204 BBG001S5P2T2 119660 15341 SH SOLE 0 0 15341 BARRICK GOLD CORP COM 067901108 BBG001S5N9P3 507411 29535 SH SOLE 0 0 29535 BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 937422 2 SH SOLE 0 0 2 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 703365 2277 SH SOLE 0 0 2277 BHP GROUP LTD SPONSORED ADS 088606108 BBG001S5P5K4 1021777 16467 SH SOLE 0 0 16467 BLACKROCK INC COM 09247X101 BBG001SDBP55 920510 1299 SH SOLE 0 0 1299 BOEING CO COM 097023105 BBG001S5P0V3 569565 2990 SH SOLE 0 0 2990 BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 255941 127 SH SOLE 0 0 127 BP PLC SPONSORED ADR 055622104 BBG001S5W4F5 375363 10746 SH SOLE 0 0 10746 BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 310320 4313 SH SOLE 0 0 4313 BRISTOW GROUP INC COM 11040G103 BBG001YH8QJ6 591108 21788 SH SOLE 0 0 21788 BRITISH AMERN TOB PLC SPONSORED ADR 110448107 BBG001S6VV46 304408 7614 SH SOLE 0 0 7614 BROADCOM INC COM 11135F101 BBG00KHY5SY8 398344 712 SH SOLE 0 0 712 CALIFORNIA RES CORP COM STOCK 13057Q305 BBG00Y04KQ51 1047764 24081 SH SOLE 0 0 24081 CAMECO CORP COM 13321L108 BBG001S5Y5S6 760374 33541 SH SOLE 0 0 33541 CF INDS HLDGS INC COM 125269100 BBG001SJ8KV8 679896 7980 SH SOLE 0 0 7980 CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 630010 3510 SH SOLE 0 0 3510 CISCO SYS INC COM 17275R102 BBG001S6HC62 971523 20393 SH SOLE 0 0 20393 CLEVELAND-CLIFFS INC NEW COM 185899101 BBG001S5PW43 187553 11642 SH SOLE 0 0 11642 CLOVER HEALTH INVESTMENTS CO COM CL A 18914F103 BBG00SHY90K3 243064 261500 SH SOLE 0 0 261500 COCA COLA CO COM 191216100 BBG001S5SMQ8 284528 4473 SH SOLE 0 0 4473 COINBASE GLOBAL INC COM CL A 19260Q107 BBG00ZGF7799 1061700 30000 SH SOLE 0 0 30000 COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 678033 19389 SH SOLE 0 0 19389 CONCENTRIX CORP COM 20602D101 BBG00RCNQMY2 605479 4547 SH SOLE 0 0 4547 COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 662033 1450 SH SOLE 0 0 1450 DANAHER CORPORATION COM 235851102 BBG001S5QGT0 299925 1130 SH SOLE 0 0 1130 DIAGEO PLC SPON ADR NEW 25243Q205 BBG001S7V596 342125 1920 SH SOLE 0 0 1920 DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 BBG01BN60P09 1223278 50144 SH SOLE 0 0 50144 DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 BBG012558MV6 2084325 43596 SH SOLE 0 0 43596 DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 470133 19363 SH SOLE 0 0 19363 DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 297577 5818 SH SOLE 0 0 5818 DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 BBG012G2PD33 731527 33867 SH SOLE 0 0 33867 DOCUSIGN INC COM 256163106 BBG001T535D5 2078361 37502 SH SOLE 0 0 37502 DROPBOX INC CL A 26210C104 BBG001TFLWN3 492875 22023 SH SOLE 0 0 22023 DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 242129 2351 SH SOLE 0 0 2351 EATON VANCE TAX MNGED BUY WR COM 27828X100 BBG001SDC8B5 744619 56625 SH SOLE 0 0 56625 ELEVANCE HEALTH INC COM 036752103 BBG001S6KBQ8 234940 458 SH SOLE 0 0 458 EPAM SYS INC COM 29414B104 BBG001SKDJH8 547326 1670 SH SOLE 0 0 1670 EQUINOR ASA SPONSORED ADR 29446M102 BBG001SJ3R93 204869 5721 SH SOLE 0 0 5721 EXXON MOBIL CORP COM 30231G102 BBG001S69V32 817764 7414 SH SOLE 0 0 7414 FIRST REP BK SAN FRANCISCO C COM 33616C100 BBG001TG3G38 600430 4926 SH SOLE 0 0 4926 FLEX LTD ORD Y2573F102 BBG001SC5SP6 1212340 56493 SH SOLE 0 0 56493 GENWORTH FINL INC COM CL A 37247D106 BBG001SJ0DH8 95564 18065 SH SOLE 0 0 18065 GOLDMAN SACHS BDC INC SHS 38147U107 BBG004DDDL70 544684 39700 SH SOLE 0 0 39700 GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 5206258 52214 SH SOLE 0 0 52214 GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 BBG00NW3TGY3 1065036 21492 SH SOLE 0 0 21492 HALEON PLC SPON ADS 405552100 BBG018GZNDB0 97944 12243 SH SOLE 0 0 12243 HELMERICH & PAYNE INC COM 423452101 BBG001S5RZP1 235210 4745 SH SOLE 0 0 4745 HOME DEPOT INC COM 437076102 BBG001S5RTW7 554966 1757 SH SOLE 0 0 1757 HSBC HLDGS PLC SPON ADR NEW 404280406 BBG001SCZVC0 328707 10549 SH SOLE 0 0 10549 HYRECAR INC COM 44916T107 BBG00L07HMZ2 80048 188792 SH SOLE 0 0 188792 ING GROEP N.V. SPONSORED ADR 456837103 BBG001SB1FR8 222504 18283 SH SOLE 0 0 18283 INSPIRATO INCORPORATED COM CL A 45791E107 BBG00XWZB0F5 121738 102301 SH SOLE 0 0 102301 INTEL CORP COM 458140100 BBG001S5SF65 231289 8751 SH SOLE 0 0 8751 INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 BBG00KJR2V68 4144059 17055 SH SOLE 0 0 17055 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 15054607 106581 SH SOLE 0 0 106581 INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 BBG00KJR2976 395550 2609 SH SOLE 0 0 2609 ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 11610964 335674 SH SOLE 0 0 335674 ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 3827650 81963 SH SOLE 0 0 81963 ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 3257904 65106 SH SOLE 0 0 65106 ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 1891777 39785 SH SOLE 0 0 39785 ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 10044629 162956 SH SOLE 0 0 162956 ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 406375 1680 SH SOLE 0 0 1680 ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 401179 4239 SH SOLE 0 0 4239 ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1788498 4655 SH SOLE 0 0 4655 ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 373218 3848 SH SOLE 0 0 3848 ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 491376 8700 SH SOLE 0 0 8700 ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 398763 6075 SH SOLE 0 0 6075 ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 301949 7967 SH SOLE 0 0 7967 ISHARES TR MSCI EURO FL ETF 464289180 BBG001T6MGZ4 368130 21000 SH SOLE 0 0 21000 ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 776989 25450 SH SOLE 0 0 25450 ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 428480 2000 SH SOLE 0 0 2000 ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 234916 2810 SH SOLE 0 0 2810 ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1165248 6683 SH SOLE 0 0 6683 ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 223713 1855 SH SOLE 0 0 1855 ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 1499087 17806 SH SOLE 0 0 17806 J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 BBG0130Y3986 1353284 29993 SH SOLE 0 0 29993 J P MORGAN EXCHANGE TRADED F INFLATION MANAGE 46654Q104 BBG016CBMY44 2661913 58057 SH SOLE 0 0 58057 J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 729341 14549 SH SOLE 0 0 14549 JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1271173 7196 SH SOLE 0 0 7196 JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1271000 9478 SH SOLE 0 0 9478 KKR & CO INC COM 48251W104 BBG001S6PW05 366068 7886 SH SOLE 0 0 7886 KKR INCOME OPPORTUNITIES FD COM 48249T106 BBG004NRD5Z2 3363976 305538 SH SOLE 0 0 305538 LILLY ELI & CO COM 532457108 BBG001S5STL8 773386 2114 SH SOLE 0 0 2114 LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 BBG001SDX252 62000 28182 SH SOLE 0 0 28182 LYFT INC CL A COM 55087P104 BBG004M9ZHY4 199462 18100 SH SOLE 0 0 18100 MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 356423 1025 SH SOLE 0 0 1025 MCDONALDS CORP COM 580135101 BBG001S5T110 280659 1065 SH SOLE 0 0 1065 MERCK & CO INC COM 58933Y105 BBG001S5TC52 1170301 10548 SH SOLE 0 0 10548 META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 320104 2660 SH SOLE 0 0 2660 MICROSOFT CORP COM 594918104 BBG001S5TD05 3625058 15116 SH SOLE 0 0 15116 MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 BBG001SFZ3S8 257702 38636 SH SOLE 0 0 38636 MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 BBG001SMCTP4 90687 31932 SH SOLE 0 0 31932 MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 802504 9439 SH SOLE 0 0 9439 NETFLIX INC COM 64110L106 BBG001SF6L46 606863 2058 SH SOLE 0 0 2058 NEW YORK MTG TR INC COM PAR $.02 649604501 BBG001SHHBR7 34737 13569 SH SOLE 0 0 13569 NEWMONT CORP COM 651639106 BBG001S5TKX3 509241 10789 SH SOLE 0 0 10789 NEXTDOOR HOLDINGS INC COM CL A 65345M108 BBG00Z8MSWS4 95965 46585 SH SOLE 0 0 46585 NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 263507 3152 SH SOLE 0 0 3152 NOKIA CORP SPONSORED ADR 654902204 BBG001SCPCG9 52274 11266 SH SOLE 0 0 11266 NOMURA HLDGS INC SPONSORED ADR 65535H208 BBG001S6HZT6 58204 15521 SH SOLE 0 0 15521 NOVARTIS AG SPONSORED ADR 66987V109 BBG001SF5LW6 617168 6803 SH SOLE 0 0 6803 NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 818130 6045 SH SOLE 0 0 6045 NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 369442 2528 SH SOLE 0 0 2528 ORACLE CORP COM 68389X105 BBG001S5SJG6 1005484 12301 SH SOLE 0 0 12301 PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 217574 33890 SH SOLE 0 0 33890 PEPSICO INC COM 713448108 BBG001S695T1 302425 1674 SH SOLE 0 0 1674 PFIZER INC COM 717081103 BBG001S5V466 407256 7948 SH SOLE 0 0 7948 PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 289663 2862 SH SOLE 0 0 2862 PIMCO ETF TR 0-5 HIGH YIELD 72201R783 BBG001V1XW67 3963233 44401 SH SOLE 0 0 44401 PIMCO ETF TR ACTIVE BD ETF 72201R775 BBG002N12C17 4532324 50092 SH SOLE 0 0 50092 PIMCO ETF TR ENHAN SHRT MA AC 72201R833 BBG001T618D9 4056192 41117 SH SOLE 0 0 41117 PIMCO ETF TR ENHNCD LW DUR AC 72201R718 BBG005VLSHH1 2335857 24781 SH SOLE 0 0 24781 PIMCO ETF TR SHTRM MUN BD ACT 72201R874 BBG001T6Q6C7 1160306 23538 SH SOLE 0 0 23538 PLANET LABS PBC COM CL A 72703X106 BBG00ZCV3Q27 156300 35931 SH SOLE 0 0 35931 PRINCIPAL EXCHANGE TRADED FD SPECTRUM PFD 74255Y888 BBG00H3P9YB7 1546556 90389 SH SOLE 0 0 90389 PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 956647 6312 SH SOLE 0 0 6312 QORVO INC COM 74736K101 BBG007TJF1P5 368361 4064 SH SOLE 0 0 4064 QUALCOMM INC COM 747525103 BBG001S6VS70 470103 4276 SH SOLE 0 0 4276 RIO TINTO PLC SPONSORED ADR 767204100 BBG001SB0LX9 270845 3804 SH SOLE 0 0 3804 ROSS STORES INC COM 778296103 BBG001S5VRS1 952470 8206 SH SOLE 0 0 8206 SAFEGUARD SCIENTIFICS INC COM NEW 786449207 BBG001S5W0J9 93000 30000 SH SOLE 0 0 30000 SALESFORCE INC COM 79466L302 BBG001SDLP09 514184 3878 SH SOLE 0 0 3878 SANOFI SPONSORED ADR 80105N105 BBG001S5W768 383662 7922 SH SOLE 0 0 7922 SAP SE SPON ADR 803054204 BBG001S6RD41 333510 3232 SH SOLE 0 0 3232 SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 886053 10642 SH SOLE 0 0 10642 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 207485 6442 SH SOLE 0 0 6442 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 244099 5447 SH SOLE 0 0 5447 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 368641 9100 SH SOLE 0 0 9100 SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 BBG001S7T232 5357502 54551 SH SOLE 0 0 54551 SHELL PLC SPON ADS 780259305 BBG0147BN6H1 735550 12916 SH SOLE 0 0 12916 SONY GROUP CORPORATION SPONSORED ADR 835699307 BBG001S5W6H8 318545 4176 SH SOLE 0 0 4176 SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 315530 1860 SH SOLE 0 0 1860 SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 BBG001TC9HP5 1158589 20319 SH SOLE 0 0 20319 SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 3285839 8592 SH SOLE 0 0 8592 SPDR SER TR BBG CONV SEC ETF 78464A359 BBG001T2PMD1 1281202 19913 SH SOLE 0 0 19913 SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 9930210 79372 SH SOLE 0 0 79372 SPLUNK INC COM 848637104 BBG001TWMNG3 258614 3004 SH SOLE 0 0 3004 STARBUCKS CORP COM 855244109 BBG001S72KH6 320792 3234 SH SOLE 0 0 3234 SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 BBG001SLH608 274244 34195 SH SOLE 0 0 34195 SYSCO CORP COM 871829107 BBG001S5WJS8 596692 7805 SH SOLE 0 0 7805 TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 225854 3032 SH SOLE 0 0 3032 TELEFONICA S A SPONSORED ADR 879382208 BBG001S5WMH3 56474 15819 SH SOLE 0 0 15819 TERRENO RLTY CORP COM 88146M101 BBG001T60PW1 1421579 24997 SH SOLE 0 0 24997 TESLA INC COM 88160R101 BBG001SQKGD7 2936981 23843 SH SOLE 0 0 23843 TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 254934 1543 SH SOLE 0 0 1543 THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 388236 705 SH SOLE 0 0 705 TOTALENERGIES SE SPONSORED ADS 89151E109 BBG001S6WYD9 419785 6762 SH SOLE 0 0 6762 TOYOTA MOTOR CORP ADS 892331307 BBG001SDB327 472703 3461 SH SOLE 0 0 3461 TRAVELERS COMPANIES INC COM 89417E109 BBG001S5R103 313108 1670 SH SOLE 0 0 1670 TWILIO INC CL A 90138F102 BBG0029ZX859 783899 16011 SH SOLE 0 0 16011 UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 465147 18809 SH SOLE 0 0 18809 UBS GROUP AG SHS H42097107 BBG007936GX0 306020 16391 SH SOLE 0 0 16391 UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 441670 8772 SH SOLE 0 0 8772 UNION PAC CORP COM 907818108 BBG001S5X2M0 254282 1228 SH SOLE 0 0 1228 UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 277622 1597 SH SOLE 0 0 1597 UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 727407 1372 SH SOLE 0 0 1372 VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 5307324 73877 SH SOLE 0 0 73877 VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 2340289 47761 SH SOLE 0 0 47761 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 4648804 98014 SH SOLE 0 0 98014 VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 644105 4848 SH SOLE 0 0 4848 VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 13068557 64121 SH SOLE 0 0 64121 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 275318 3338 SH SOLE 0 0 3338 VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 11911575 64899 SH SOLE 0 0 64899 VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 6235865 32616 SH SOLE 0 0 32616 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 1650773 32923 SH SOLE 0 0 32923 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 6236761 159999 SH SOLE 0 0 159999 VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 3616663 35178 SH SOLE 0 0 35178 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 2844982 60907 SH SOLE 0 0 60907 VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1152870 23295 SH SOLE 0 0 23295 VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 327015 4219 SH SOLE 0 0 4219 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 215119 2861 SH SOLE 0 0 2861 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 700788 4615 SH SOLE 0 0 4615 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 530543 12641 SH SOLE 0 0 12641 VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 3236148 53069 SH SOLE 0 0 53069 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 5528229 51088 SH SOLE 0 0 51088 VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 BBG001SHVR32 6877682 27727 SH SOLE 0 0 27727 VANGUARD WORLD FDS MATERIALS ETF 92204A801 BBG001SHTTP7 1720140 10107 SH SOLE 0 0 10107 VINCERX PHARMA INC COM NEW 92731L106 BBG00RRQXMY1 1720676 1686937 SH SOLE 0 0 1686937 VISA INC COM CL A 92826C839 BBG001SRCFY3 723949 3485 SH SOLE 0 0 3485 WALMART INC COM 931142103 BBG001S5XH92 301403 2126 SH SOLE 0 0 2126 WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 853588 20673 SH SOLE 0 0 20673 WOODSIDE ENERGY GROUP LTD SPONSORED ADR 980228308 BBG001S5WCY6 244642 10105 SH SOLE 0 0 10105 WORKIVA INC COM CL A 98139A105 BBG007BVZ8J7 379544 4520 SH SOLE 0 0 4520 ZOETIS INC CL A 98978V103 BBG0039320P7 526554 3593 SH SOLE 0 0 3593 ZUORA INC COM CL A 98983V106 BBG001SS0FH3 295327 46435 SH SOLE 0 0 46435