0001765380-23-000160.txt : 20230809 0001765380-23-000160.hdr.sgml : 20230809 20230809094006 ACCESSION NUMBER: 0001765380-23-000160 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230630 FILED AS OF DATE: 20230809 DATE AS OF CHANGE: 20230809 EFFECTIVENESS DATE: 20230809 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Journey Advisory Group, LLC CENTRAL INDEX KEY: 0001840085 IRS NUMBER: 471164712 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-20437 FILM NUMBER: 231153677 BUSINESS ADDRESS: STREET 1: 15 WEST 5TH STREET CITY: COVINGTON STATE: KY ZIP: 41011 BUSINESS PHONE: 859-757-2348 MAIL ADDRESS: STREET 1: 15 WEST 5TH STREET CITY: COVINGTON STATE: KY ZIP: 41011 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE false true false 0001840085 XXXXXXXX 06-30-2023 06-30-2023 Journey Advisory Group, LLC

15 WEST 5TH STREET COVINGTON KY 41011

13F HOLDINGS REPORT 028-20437 N Andy Armstrong 5138325385 Andy Armstrong Cincinnati OH 08-09-2023 0 227 672225613 false INFORMATION TABLE 2 journeyq2202313f.xml SELECTA BIOSCIENCES INC COM 816212104 28000 25000 SH SOLE 0 0 25000 LILIUM N V CLASS A ORD SHS N52586109 52800 30000 SH SOLE 0 0 30000 KEYCORP COM 493267108 92400 10000 SH SOLE 0 0 10000 BANDWIDTH INC COM CL A 05988J103 173887 12711 SH SOLE 0 0 12711 WELLS FARGO CO NEW PERP PFD CNV A 949746804 201600 175 SH SOLE 0 0 175 ISHARES TR ISHARES SEMICDTR 464287523 202904 400 SH SOLE 0 0 400 THERMO FISHER SCIENTIFIC INC COM 883556102 205048 393 SH SOLE 0 0 393 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 211848 2800 SH SOLE 0 0 2800 AMERICAN ELEC PWR CO INC COM 025537101 213026 2530 SH SOLE 254 0 2276 SALESFORCE INC COM 79466L302 213162 1009 SH SOLE 31 0 978 WISDOMTREE TR FLOATNG RAT TREA 97717Y527 218138 4335 SH SOLE 0 0 4335 ISHARES TR ISHARES BIOTECH 464287556 220911 1740 SH SOLE 0 0 1740 ISHARES TR RUSSELL 2000 ETF 464287655 221354 1182 SH SOLE 0 0 1182 ISHARES TR US AER DEF ETF 464288760 221673 1900 SH SOLE 0 0 1900 SCHLUMBERGER LTD COM STK 806857108 223104 4542 SH SOLE 122 0 4420 KROGER CO COM 501044101 224942 4786 SH SOLE 0 0 4786 PPG INDS INC COM 693506107 225861 1523 SH SOLE 0 0 1523 KLA CORP COM NEW 482480100 233286 481 SH SOLE 40 0 441 VANGUARD WORLD FDS ENERGY ETF 92204A306 235150 2083 SH SOLE 0 0 2083 MEDTRONIC PLC SHS G5960L103 237694 2698 SH SOLE 50 0 2648 CMS ENERGY CORP COM 125896100 237938 4050 SH SOLE 350 0 3700 ALIGN TECHNOLOGY INC COM 016255101 238707 675 SH SOLE 0 0 675 GRAINGER W W INC COM 384802104 238943 303 SH SOLE 0 0 303 CISCO SYS INC COM 17275R102 239291 4625 SH SOLE 919 0 3706 KAYNE ANDERSON ENERGY INFRST COM 486606106 244200 30000 SH SOLE 0 0 30000 ISHARES TR IBOXX INV CP ETF 464287242 254995 2358 SH SOLE 29 0 2329 LAUDER ESTEE COS INC CL A 518439104 255294 1300 SH SOLE 0 0 1300 GENERAL MLS INC COM 370334104 256178 3340 SH SOLE 0 0 3340 AMERICAN WTR WKS CO INC NEW COM 030420103 256950 1800 SH SOLE 0 0 1800 BLACKROCK TAX MUNICPAL BD TR SHS 09248X100 258804 15600 SH SOLE 0 0 15600 INTERNATIONAL BUSINESS MACHS COM 459200101 259726 1941 SH SOLE 0 0 1941 ALTRIA GROUP INC COM 02209S103 259887 5737 SH SOLE 800 0 4937 CLOROX CO DEL COM 189054109 260435 1638 SH SOLE 0 0 1638 BECTON DICKINSON & CO COM 075887109 264010 1000 SH SOLE 0 0 1000 COMCAST CORP NEW CL A 20030N101 264092 6356 SH SOLE 0 0 6356 ISHARES TR NATIONAL MUN ETF 464288414 265651 2489 SH SOLE 106 0 2383 ISHARES TR MRGSTR MD CP GRW 464288307 267222 4385 SH SOLE 0 0 4385 ISHARES GOLD TR ISHARES NEW 464285204 271470 7460 SH SOLE 0 0 7460 STARBUCKS CORP COM 855244109 271722 2743 SH SOLE 55 0 2688 ZIMMER BIOMET HOLDINGS INC COM 98956P102 274893 1888 SH SOLE 0 0 1888 ANALOG DEVICES INC COM 032654105 277410 1424 SH SOLE 69 0 1355 ISHARES TR RUS 1000 VAL ETF 464287598 278097 1762 SH SOLE 146 0 1616 VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 281330 3560 SH SOLE 0 0 3560 QUALCOMM INC COM 747525103 282959 2377 SH SOLE 37 0 2340 MORGAN STANLEY COM NEW 617446448 285022 3337 SH SOLE 0 0 3337 ZOETIS INC CL A 98978V103 285180 1656 SH SOLE 216 0 1440 ECOLAB INC COM 278865100 291237 1560 SH SOLE 0 0 1560 ISHARES TR EXPANDED TECH 464287515 294024 850 SH SOLE 0 0 850 CINTAS CORP COM 172908105 302722 609 SH SOLE 29 0 580 CARRIER GLOBAL CORPORATION COM 14448C104 307705 6190 SH SOLE 0 0 6190 SCHWAB CHARLES CORP COM 808513105 317635 5604 SH SOLE 73 0 5531 NETFLIX INC COM 64110L106 318915 724 SH SOLE 0 0 724 CROWN CASTLE INC COM 22822V101 321402 2821 SH SOLE 26 0 2795 KIMBERLY-CLARK CORP COM 494368103 322509 2336 SH SOLE 400 0 1936 MONSTER BEVERAGE CORP NEW COM 61174X109 325570 5668 SH SOLE 227 0 5441 ISHARES TR IBONDS DEC25 ETF 46434VBD1 326400 13388 SH SOLE 0 0 13388 INTUITIVE SURGICAL INC COM NEW 46120E602 341257 998 SH SOLE 71 0 927 NASDAQ INC COM 631103108 351543 7052 SH SOLE 120 0 6932 UNITED PARCEL SERVICE INC CL B 911312106 356708 1990 SH SOLE 0 0 1990 MARSH & MCLENNAN COS INC COM 571748102 361114 1920 SH SOLE 85 0 1835 SMUCKER J M CO COM NEW 832696405 366813 2484 SH SOLE 1 0 2483 GENERAL DYNAMICS CORP COM 369550108 378449 1759 SH SOLE 0 0 1759 ISHARES TR S&P 500 VAL ETF 464287408 378636 2349 SH SOLE 0 0 2349 LOWES COS INC COM 548661107 378951 1679 SH SOLE 32 0 1647 PHILIP MORRIS INTL INC COM 718172109 378961 3882 SH SOLE 258 0 3624 FORD MTR CO DEL COM 345370860 386283 25531 SH SOLE 0 0 25531 GENERAL ELECTRIC CO COM NEW 369604301 389529 3546 SH SOLE 0 0 3546 INTUIT COM 461202103 411342 898 SH SOLE 38 0 860 MEDPACE HLDGS INC COM 58506Q109 437110 1820 SH SOLE 0 0 1820 SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 450846 2655 SH SOLE 1250 0 1405 FEDEX CORP COM 31428X106 454095 1830 SH SOLE 35 0 1795 GLOBAL X FDS US INFR DEV ETF 37954Y673 458343 14583 SH SOLE 81 0 14502 ISHARES TR RUS 1000 ETF 464287622 465056 1908 SH SOLE 0 0 1908 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 474452 4473 SH SOLE 100 0 4373 ISHARES TR S&P 500 GRWT ETF 464287309 481097 6826 SH SOLE 0 0 6826 ROBERT HALF INTL INC COM 770323103 482988 6421 SH SOLE 0 0 6421 BOSTON SCIENTIFIC CORP COM 101137107 483024 8930 SH SOLE 0 0 8930 VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 493802 2017 SH SOLE 0 0 2017 DANAHER CORPORATION COM 235851102 495706 2065 SH SOLE 22 0 2043 MARVELL TECHNOLOGY INC COM 573874104 496115 8299 SH SOLE 0 0 8299 ISHARES TR RUS 1000 GRW ETF 464287614 498351 1811 SH SOLE 696 0 1115 ISHARES TR IBONDS DEC 46435U697 534289 20741 SH SOLE 0 0 20741 NORTHROP GRUMMAN CORP COM 666807102 536021 1176 SH SOLE 41 0 1135 ISHARES TR IBONDS DEC2023 46435G318 536641 21053 SH SOLE 0 0 21053 INVESCO QQQ TR PUT 46090E103 554130 1500 PRN Put SOLE 0 0 1500 ADVANCED MICRO DEVICES INC COM 007903107 556109 4882 SH SOLE 500 0 4382 ADVANCED DRAIN SYS INC DEL COM 00790R104 562568 4944 SH SOLE 0 0 4944 OCCIDENTAL PETE CORP COM 674599105 575324 9784 SH SOLE 535 0 9249 ISHARES TR PFD AND INCM SEC 464288687 576226 18630 SH SOLE 0 0 18630 TRAVELERS COMPANIES INC COM 89417E109 581761 3350 SH SOLE 0 0 3350 AMERICAN FINL GROUP INC OHIO COM 025932104 582267 4903 SH SOLE 4468 0 435 ISHARES TR MSCI EAFE ETF 464287465 591073 8153 SH SOLE 1944 0 6209 VERIZON COMMUNICATIONS INC COM 92343V104 605528 16282 SH SOLE 0 0 16282 ISHARES TR TIPS BD ETF 464287176 619569 5757 SH SOLE 11 0 5746 TJX COS INC NEW COM 872540109 630245 7433 SH SOLE 61 0 7372 SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 634798 5915 SH SOLE 4000 0 1915 BOEING CO COM 097023105 647052 3064 SH SOLE 0 0 3064 TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 655980 6500 SH SOLE 0 0 6500 AMERISOURCEBERGEN CORP COM 03073E105 659073 3425 SH SOLE 0 0 3425 SOUTHERN CO COM 842587107 706575 10058 SH SOLE 260 0 9798 PUBLIC STORAGE COM 74460D109 712771 2442 SH SOLE 0 0 2442 ILLINOIS TOOL WKS INC COM 452308109 717209 2867 SH SOLE 0 0 2867 HALLIBURTON CO COM 406216101 720997 21855 SH SOLE 0 0 21855 SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 726034 5470 SH SOLE 1500 0 3970 MASTERCARD INCORPORATED CL A 57636Q104 771262 1961 SH SOLE 911 0 1050 BANK AMERICA CORP COM 060505104 786012 27397 SH SOLE 0 0 27397 SELECT SECTOR SPDR TR FINANCIAL 81369Y605 798017 23673 SH SOLE 7500 0 16173 HUMANA INC COM 444859102 825402 1846 SH SOLE 0 0 1846 SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 839051 1752 SH SOLE 75 0 1677 JACOBS SOLUTIONS INC COM 46982L108 844119 7100 SH SOLE 0 0 7100 STRYKER CORPORATION COM 863667101 914660 2998 SH SOLE 50 0 2948 DUKE ENERGY CORP NEW COM NEW 26441C204 923394 10290 SH SOLE 409 0 9881 COCA COLA CO COM 191216100 963512 16000 SH SOLE 650 0 15350 EATON CORP PLC SHS G29183103 963873 4793 SH SOLE 0 0 4793 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 983860 6575 SH SOLE 1039 0 5536 MOTOROLA SOLUTIONS INC COM NEW 620076307 993340 3387 SH SOLE 28 0 3359 CATERPILLAR INC COM 149123101 999577 4062 SH SOLE 259 0 3803 SCHWAB STRATEGIC TR US TIPS ETF 808524870 1004035 19150 SH SOLE 0 0 19150 VANGUARD INDEX FDS TOTAL STK MKT 922908769 1040823 4725 SH SOLE 0 0 4725 VANGUARD WORLD FDS INF TECH ETF 92204A702 1042614 2358 SH SOLE 50 0 2308 SELECT SECTOR SPDR TR ENERGY 81369Y506 1072994 13219 SH SOLE 0 0 13219 CONOCOPHILLIPS COM 20825C104 1143544 11037 SH SOLE 0 0 11037 ISHARES TR IBONDS 23 TRM TS 46436E882 1147215 46240 SH SOLE 0 0 46240 EMERSON ELEC CO COM 291011104 1150846 12732 SH SOLE 713 0 12019 HONEYWELL INTL INC COM 438516106 1155076 5567 SH SOLE 0 0 5567 MARATHON PETE CORP COM 56585A102 1156906 9922 SH SOLE 0 0 9922 ISHARES TR SELECT DIVID ETF 464287168 1185458 10463 SH SOLE 0 0 10463 CHUBB LIMITED COM H1467J104 1190878 6183 SH SOLE 22 0 6161 US BANCORP DEL COM NEW 902973304 1225950 37105 SH SOLE 130 0 36975 NORFOLK SOUTHN CORP COM 655844108 1254861 5534 SH SOLE 109 0 5425 TESLA INC COM 88160R101 1351781 5164 SH SOLE 135 0 5029 EDWARDS LIFESCIENCES CORP COM 28176E108 1374294 14569 SH SOLE 0 0 14569 DEERE & CO COM 244199105 1395070 3443 SH SOLE 25 0 3418 INTEL CORP COM 458140100 1413137 42259 SH SOLE 100 0 42159 GOLDMAN SACHS GROUP INC COM 38141G104 1507271 4673 SH SOLE 17 0 4656 RAYTHEON TECHNOLOGIES CORP COM 75513E101 1655035 16895 SH SOLE 0 0 16895 NIKE INC CL B 654106103 1685571 15272 SH SOLE 1761 0 13511 APPLIED MATLS INC COM 038222105 1702826 11781 SH SOLE 0 0 11781 VANGUARD INDEX FDS GROWTH ETF 922908736 1805002 6379 SH SOLE 0 0 6379 CME GROUP INC COM 12572Q105 1806022 9747 SH SOLE 767 0 8980 DISNEY WALT CO COM 254687106 1810867 20283 SH SOLE 545 0 19738 VANGUARD INDEX FDS SMALL CP ETF 922908751 1830313 9203 SH SOLE 404 0 8799 ALPHABET INC CAP STK CL C 02079K107 1853503 15322 SH SOLE 582 0 14740 AMAZON COM INC COM 023135106 1981864 15203 SH SOLE 791 0 14412 AMERICAN TOWER CORP NEW COM 03027X100 2104980 10853 SH SOLE 498 0 10355 UNION PAC CORP COM 907818108 2122115 10371 SH SOLE 854 0 9517 ROCKWELL AUTOMATION INC COM 773903109 2133189 6475 SH SOLE 0 0 6475 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2179665 40060 SH SOLE 0 0 40060 ALPHABET INC CAP STK CL A 02079K305 2192785 18319 SH SOLE 761 0 17558 VANGUARD INDEX FDS MID CAP ETF 922908629 2246843 10206 SH SOLE 0 0 10206 ABBOTT LABS COM 002824100 2257092 20703 SH SOLE 977 0 19726 WEC ENERGY GROUP INC COM 92939U106 2314912 26234 SH SOLE 2264 0 23970 SPDR SER TR SSGA US LRG ETF 78468R804 2597637 18474 SH SOLE 0 0 18474 CINCINNATI FINL CORP COM 172062101 2628808 27012 SH SOLE 60 0 26952 PNC FINL SVCS GROUP INC COM 693475105 2668755 21189 SH SOLE 2336 0 18853 MICROCHIP TECHNOLOGY INC. COM 595017104 2669962 29802 SH SOLE 0 0 29802 AMERIPRISE FINL INC COM 03076C106 2738591 8245 SH SOLE 471 0 7774 TESLA INC PUT 88160R101 2748585 10500 PRN Put SOLE 0 0 10500 FMC CORP COM NEW 302491303 2807122 26900 SH SOLE 1844 0 25056 MONDELEZ INTL INC CL A 609207105 2905729 39835 SH SOLE 1869 0 37966 SPDR SER TR PORTFOLI S&P1500 78464A805 2996759 55047 SH SOLE 0 0 55047 CSX CORP COM 126408103 3141544 92127 SH SOLE 4468 0 87659 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3141633 9213 SH SOLE 0 0 9213 VANGUARD WELLINGTON FD US MOMENTUM 921935508 3193465 26339 SH SOLE 0 0 26339 AUTOMATIC DATA PROCESSING IN COM 053015103 3258574 14824 SH SOLE 703 0 14121 NVIDIA CORPORATION COM 67066G104 3338188 7891 SH SOLE 2805 0 5086 MCDONALDS CORP COM 580135101 3422025 11468 SH SOLE 589 0 10879 INVESCO QQQ TR UNIT SER 1 46090E103 3512017 9507 SH SOLE 4896 0 4611 ORACLE CORP COM 68389X105 3559243 29887 SH SOLE 364 0 29523 VANGUARD INDEX FDS VALUE ETF 922908744 3560032 25053 SH SOLE 1 0 25052 GALLAGHER ARTHUR J & CO COM 363576109 3619392 16484 SH SOLE 973 0 15511 SPDR GOLD TR GOLD SHS 78463V107 3754188 21059 SH SOLE 1098 0 19961 ISHARES TR MSCI INTL QUALTY 46434V456 3827748 107521 SH SOLE 0 0 107521 AIR PRODS & CHEMS INC COM 009158106 3865717 12904 SH SOLE 734 0 12170 PFIZER INC COM 717081103 3968923 108204 SH SOLE 2459 0 105745 LOCKHEED MARTIN CORP COM 539830109 4048569 8794 SH SOLE 382 0 8412 ISHARES TR CORE S&P500 ETF 464287200 4105767 9212 SH SOLE 3863 0 5349 UNITEDHEALTH GROUP INC COM 91324P102 4174405 8685 SH SOLE 480 0 8205 VISA INC COM CL A 92826C839 4179142 17598 SH SOLE 843 0 16755 SPDR S&P 500 ETF TR TR UNIT 78462F103 4297810 9695 SH SOLE 655 0 9040 TEXAS INSTRS INC COM 882508104 4381084 24337 SH SOLE 1636 0 22701 ISHARES TR S&P MC 400VL ETF 464287705 4410328 41168 SH SOLE 0 0 41168 HOME DEPOT INC COM 437076102 4443698 14305 SH SOLE 1027 0 13278 WALMART INC COM 931142103 4455268 28345 SH SOLE 750 0 27595 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4538758 54294 SH SOLE 9819 155 44320 AMGEN INC COM 031162100 4801161 21625 SH SOLE 999 0 20626 COSTCO WHSL CORP NEW COM 22160K105 4888460 9080 SH SOLE 467 0 8613 MERCK & CO INC COM 58933Y105 5021978 43514 SH SOLE 278 0 43236 BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 5155322 46195 SH SOLE 3015 0 43180 ISHARES TR SP SMCP600VL ETF 464287879 5304406 55783 SH SOLE 0 0 55783 WASTE MGMT INC DEL COM 94106L109 5563185 32079 SH SOLE 1716 0 30363 PEPSICO INC COM 713448108 5594017 30202 SH SOLE 1987 0 28215 EXXON MOBIL CORP COM 30231G102 5685001 53007 SH SOLE 2602 0 50405 INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 5857116 35791 SH SOLE 0 0 35791 ACCENTURE PLC IRELAND SHS CLASS A G1151C101 5896656 19109 SH SOLE 924 0 18185 SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 6011575 104422 SH SOLE 0 0 104422 NEXTERA ENERGY INC COM 65339F101 6297916 84878 SH SOLE 2878 0 82000 BROADCOM INC COM 11135F101 6348914 7319 SH SOLE 465 0 6854 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 6448989 37093 SH SOLE 200 0 36893 BRISTOL-MYERS SQUIBB CO COM 110122108 6599855 103203 SH SOLE 5056 0 98147 ISHARES TR IBONDS 24 TRM TS 46436E874 6656599 279689 SH SOLE 0 0 279689 ABBVIE INC COM 00287Y109 6860770 50922 SH SOLE 2978 0 47944 J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 7187997 143359 SH SOLE 60074 90 83195 SCHWAB STRATEGIC TR SHT TM US TRES 808524862 7270695 151284 SH SOLE 59291 23 91970 ISHARES TR IBONDS DEC23 ETF 46434VAX8 7587815 300032 SH SOLE 0 0 300032 VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7644040 105159 SH SOLE 41489 46 63624 CHEVRON CORP NEW COM 166764100 7941927 50473 SH SOLE 1120 0 49353 WISDOMTREE TR US QTLY DIV GRT 97717X669 8475753 127149 SH SOLE 0 0 127149 ISHARES TR IBONDS DEC24 ETF 46434VBG4 8818473 358183 SH SOLE 0 0 358183 VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 9023626 146250 SH SOLE 12861 10 133379 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 9884478 60850 SH SOLE 13031 0 47819 JOHNSON & JOHNSON COM 478160104 10108544 61071 SH SOLE 2076 0 58995 JPMORGAN CHASE & CO COM 46625H100 10122818 69601 SH SOLE 1895 0 67706 ISHARES TR CORE DIV GRWTH 46434V621 11669465 226460 SH SOLE 0 0 226460 ISHARES TR IBONDS 26 TRM TS 46436E858 11997456 529689 SH SOLE 0 0 529689 ISHARES TR IBONDS 25 TRM TS 46436E866 12458512 538630 SH SOLE 0 0 538630 ISHARES TR CORE S&P SCP ETF 464287804 13358739 134057 SH SOLE 14995 75 118987 LILLY ELI & CO COM 532457108 13885118 29607 SH SOLE 1335 0 28272 ISHARES TR TRS FLT RT BD 46434V860 13934326 275001 SH SOLE 0 0 275001 ISHARES TR MSCI USA MMENTM 46432F396 14559812 100935 SH SOLE 0 0 100935 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 16690344 361419 SH SOLE 37847 0 323572 ISHARES TR MSCI USA MIN VOL 46429B697 16955074 228105 SH SOLE 0 0 228105 ISHARES TR MSCI USA QLT FCT 46432F339 21347368 158281 SH SOLE 0 0 158281 PROCTER AND GAMBLE CO COM 742718109 23445831 154513 SH SOLE 8659 0 145854 ISHARES TR CORE S&P MCP ETF 464287507 24733781 94591 SH SOLE 8790 0 85801 MICROSOFT CORP COM 594918104 27789938 81606 SH SOLE 4234 0 77372 APPLE INC COM 037833100 33592757 173185 SH SOLE 7982 0 165203