Orgel Wealth Management, LLC Activity Q4 2015-Q2 2024

Q2 2024

			Value		Shares		↓ Weighting
VGSH	New	VANGUARD SCOTTSDALE FDSshort term treas	$396,833,898	–	6,843,144	–	10.71%	–
MUB	New	ISHARES TRnational mun etf	$382,781,302	–	3,592,504	–	10.33%	–
SCHD	New	SCHWAB STRATEGIC TRus dividend eq	$325,540,896	–	4,186,483	–	8.79%	–
BND	New	VANGUARD BD INDEX FDStotal bnd mrkt	$299,330,281	–	4,154,480	–	8.08%	–
IVV	New	ISHARES TRcore s&p500 etf	$221,973,660	–	405,631	–	5.99%	–
SPYG	New	SPDR SER TRprtflo s&p500 gw	$220,636,425	–	2,753,481	–	5.96%	–
VIOO	New	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$185,987,783	–	1,893,776	–	5.02%	–
VYMI	New	VANGUARD WHITEHALL FDSintl high etf	$168,104,670	–	2,453,008	–	4.54%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$141,509,741	–	3,683,231	–	3.82%	–
MMIN	New	INDEXIQ ACTIVE ETF TRiq mackay insred	$132,102,433	–	5,499,685	–	3.57%	–
PLW	New	INVESCO EXCH TRADED FD TR IIequal wegt 0-30	$124,591,539	–	4,515,822	–	3.36%	–
QUAL	New	ISHARES TRmsci usa qlt fct	$123,082,795	–	720,794	–	3.32%	–
FQAL	New	FIDELITY COVINGTON TRUSTqlty fctor etf	$116,359,818	–	1,897,583	–	3.14%	–
VTEB	New	VANGUARD MUN BD FDStax exempt bd	$104,890,854	–	2,093,212	–	2.83%	–
VOT	New	VANGUARD INDEX FDSmcap gr idxvip	$103,063,026	–	448,959	–	2.78%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$97,249,957	–	1,513,618	–	2.62%	–
VOE	New	VANGUARD INDEX FDSmcap vl idxvip	$95,599,992	–	635,511	–	2.58%	–
JSML	New	JANUS DETROIT STR TRhendersn cap etf	$89,491,784	–	1,515,269	–	2.42%	–
PFF	New	ISHARES TRpfd and incm sec	$55,741,872	–	1,766,779	–	1.50%	–
IEFA	New	ISHARES TRcore msci eafe	$51,391,784	–	707,486	–	1.39%	–
SCHE	New	SCHWAB STRATEGIC TRemrg mkteq etf	$43,322,781	–	1,631,129	–	1.17%	–
PFFD	New	GLOBAL X FDSus pfd etf	$40,102,375	–	2,037,722	–	1.08%	–
IMCV	New	ISHARES TRmrgstr md cp val	$24,432,704	–	347,846	–	0.66%	–
SPHQ	New	INVESCO EXCHANGE TRADED FD Ts&p500 quality	$23,875,727	–	375,759	–	0.64%	–
IMCG	New	ISHARES TRmrgstr md cp grw	$22,805,260	–	336,609	–	0.62%	–
ESGV	New	VANGUARD WORLD FDesg us stk etf	$20,277,447	–	209,868	–	0.55%	–
IEMG	New	ISHARES INCcore msci emkt	$17,966,007	–	335,625	–	0.48%	–
VB	New	VANGUARD INDEX FDSsmall cp etf	$10,497,972	–	48,147	–	0.28%	–
IUSB	New	ISHARES TRcore total usd	$10,340,910	–	228,680	–	0.28%	–
ESGD	New	ISHARES TResg aw msci eafe	$8,415,280	–	106,820	–	0.23%	–
SCHA	New	SCHWAB STRATEGIC TRus sml cap etf	$5,489,396	–	115,688	–	0.15%	–
VSGX	New	VANGUARD WORLD FDesg intl stk etf	$4,773,111	–	83,344	–	0.13%	–
EFA	New	ISHARES TRmsci eafe etf	$2,543,611	–	32,473	–	0.07%	–
SPY	New	SPDR S&P 500 ETF TRtr unit	$2,477,290	–	4,552	–	0.07%	–
MSFT	New	MICROSOFT CORP	$2,430,962	–	5,439	–	0.07%	–
SCHG	New	SCHWAB STRATEGIC TRus lcap gr etf	$2,241,169	–	22,225	–	0.06%	–
VYM	New	VANGUARD WHITEHALL FDShigh div yld	$1,792,639	–	15,115	–	0.05%	–
AAPL	New	APPLE INC	$1,789,217	–	8,495	–	0.05%	–
VOO	New	VANGUARD INDEX FDS	$1,586,413	–	3,172	–	0.04%	–
IWM	New	ISHARES TRrussell 2000 etf	$1,242,905	–	6,126	–	0.03%	–
SUB	New	ISHARES TRshrt nat mun etf	$1,145,241	–	10,954	–	0.03%	–
EMXC	New	ISHARES INCmsci emrg chn	$1,157,597	–	19,554	–	0.03%	–
SUSL	New	ISHARES TResg msci leadr	$1,145,485	–	11,757	–	0.03%	–
ITOT	New	ISHARES TRcore s&p ttl stk	$1,129,955	–	9,513	–	0.03%	–
IWF	New	ISHARES TRrus 1000 grw etf	$907,630	–	2,490	–	0.02%	–
VWO	New	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$905,570	–	20,694	–	0.02%	–
VTI	New	VANGUARD INDEX FDStotal stk mkt	$855,765	–	3,199	–	0.02%	–
AGG	New	ISHARES TRcore us aggbd et	$764,815	–	7,879	–	0.02%	–
VUG	New	VANGUARD INDEX FDSgrowth etf	$726,328	–	1,942	–	0.02%	–
GLD	New	SPDR GOLD TR	$752,508	–	3,500	–	0.02%	–
MDY	New	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$678,482	–	1,268	–	0.02%	–
HDEF	New	DBX ETF TRxtrack msci eafe	$672,937	–	27,602	–	0.02%	–
IWB	New	ISHARES TRrus 1000 etf	$607,875	–	2,043	–	0.02%	–
FB	New	META PLATFORMS INCcl a	$511,280	–	1,014	–	0.01%	–
AMZN	New	AMAZON COM INC	$507,861	–	2,628	–	0.01%	–
PGR	New	PROGRESSIVE CORP	$509,929	–	2,455	–	0.01%	–
IWO	New	ISHARES TRrus 2000 grw etf	$478,330	–	1,822	–	0.01%	–
FSV	New	FIRSTSERVICE CORP NEW	$436,541	–	2,865	–	0.01%	–
IJR	New	ISHARES TRcore s&p scp etf	$405,415	–	3,801	–	0.01%	–
AVUV	New	AMERICAN CENTY ETF TRus sml cp valu	$417,737	–	4,656	–	0.01%	–
MA	New	MASTERCARD INCORPORATEDcl a	$393,515	–	892	–	0.01%	–
IWD	New	ISHARES TRrus 1000 val etf	$422,218	–	2,420	–	0.01%	–
QEFA	New	SPDR INDEX SHS FDSmsci eafe strtgc	$322,130	–	4,310	–	0.01%	–
CTAS	New	CINTAS CORP	$350,130	–	500	–	0.01%	–
IJH	New	ISHARES TRcore s&p mcp etf	$284,993	–	4,870	–	0.01%	–
IWP	New	ISHARES TRrus md cp gr etf	$302,580	–	2,742	–	0.01%	–
PEP	New	PEPSICO INC	$296,874	–	1,800	–	0.01%	–
INTF	New	ISHARES TRintl eqty factor	$254,038	–	8,691	–	0.01%	–
UNH	New	UNITEDHEALTH GROUP INC	$261,251	–	513	–	0.01%	–
	New	DIMENSIONAL ETF TRUSTus mktwide value	$246,734	–	6,283	–	0.01%	–
ANTM	New	ELEVANCE HEALTH INC	$262,803	–	485	–	0.01%	–
JPM	New	JPMORGAN CHASE & CO.	$218,239	–	1,079	–	0.01%	–
VIG	New	VANGUARD SPECIALIZED FUNDSdiv app etf	$210,298	–	1,152	–	0.01%	–
PG	New	PROCTER AND GAMBLE CO	$207,305	–	1,257	–	0.01%	–
CAT	New	CATERPILLAR INC	$235,169	–	706	–	0.01%	–
BRKB	New	BERKSHIRE HATHAWAY INC DELcl b new	$218,859	–	538	–	0.01%	–
ITW	New	ILLINOIS TOOL WKS INC	$236,960	–	1,000	–	0.01%	–
HD	New	HOME DEPOT INC	$205,168	–	596	–	0.01%	–

Q4 2023

			Value		Shares		↓ Weighting
ANTM	Exit	ELEVANCE HEALTH INC	$0	–	-485	–	-0.01%	–
LMT	Exit	LOCKHEED MARTIN CORP	$0	–	-526	–	-0.01%	–
IWM	Exit	ISHARES TRrussell 2000 etf	$0	–	-1,189	–	-0.01%	–
	Exit	DIMENSIONAL ETF TRUSTus mktwide value	$0	–	-6,283	–	-0.01%	–
ITW	Exit	ILLINOIS TOOL WKS INC	$0	–	-1,038	–	-0.01%	–
IJH	Exit	ISHARES TRcore s&p mcp etf	$0	–	-968	–	-0.01%	–
UNH	Exit	UNITEDHEALTH GROUP INC	$0	–	-490	–	-0.01%	–
SUSB	Exit	ISHARES TResg awre 1 5 yr	$0	–	-10,718	–	-0.01%	–
SCHB	Exit	SCHWAB STRATEGIC TRus brd mkt etf	$0	–	-6,115	–	-0.01%	–
NVDA	Exit	NVIDIA CORPORATION	$0	–	-651	–	-0.01%	–
IWP	Exit	ISHARES TRrus md cp gr etf	$0	–	-3,198	–	-0.01%	–
LLY	Exit	ELI LILLY & CO	$0	–	-561	–	-0.01%	–
FB	Exit	META PLATFORMS INCcl a	$0	–	-1,002	–	-0.01%	–
QEFA	Exit	SPDR INDEX SHS FDSmsci eafe strtgc	$0	–	-4,299	–	-0.01%	–
JNJ	Exit	JOHNSON & JOHNSON	$0	–	-2,011	–	-0.01%	–
CTAS	Exit	CINTAS CORP	$0	–	-731	–	-0.01%	–
PGR	Exit	PROGRESSIVE CORP	$0	–	-2,455	–	-0.01%	–
PEP	Exit	PEPSICO INC	$0	–	-2,106	–	-0.01%	–
AMZN	Exit	AMAZON COM INC	$0	–	-2,690	–	-0.01%	–
IWD	Exit	ISHARES TRrus 1000 val etf	$0	–	-2,361	–	-0.01%	–
IJR	Exit	ISHARES TRcore s&p scp etf	$0	–	-4,120	–	-0.01%	–
MA	Exit	MASTERCARD INCORPORATEDcl a	$0	–	-943	–	-0.01%	–
FSV	Exit	FIRSTSERVICE CORP NEW	$0	–	-3,290	–	-0.02%	–
IWB	Exit	ISHARES TRrus 1000 etf	$0	–	-2,043	–	-0.02%	–
AVUV	Exit	AMERICAN CENTY ETF TRus sml cp valu	$0	–	-6,601	–	-0.02%	–
IUSB	Exit	ISHARES TRcore total usd	$0	–	-11,183	–	-0.02%	–
VUG	Exit	VANGUARD INDEX FDSgrowth etf	$0	–	-2,008	–	-0.02%	–
GLD	Exit	SPDR GOLD TR	$0	–	-3,264	–	-0.02%	–
IWF	Exit	ISHARES TRrus 1000 grw etf	$0	–	-2,161	–	-0.02%	–
MDY	Exit	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$0	–	-1,247	–	-0.02%	–
VTI	Exit	VANGUARD INDEX FDStotal stk mkt	$0	–	-2,595	–	-0.02%	–
EAGG	Exit	ISHARES TResg awr us agrgt	$0	–	-14,743	–	-0.02%	–
ITOT	Exit	ISHARES TRcore s&p ttl stk	$0	–	-9,513	–	-0.03%	–
SUSL	Exit	ISHARES TResg msci leadr	$0	–	-12,523	–	-0.03%	–
EMXC	Exit	ISHARES INCmsci emrg chn	$0	–	-19,767	–	-0.03%	–
SPY	Exit	SPDR S&P 500 ETF TRtr unit	$0	–	-2,372	–	-0.03%	–
ESML	Exit	ISHARES TResg aware msci	$0	–	-30,001	–	-0.03%	–
ESGE	Exit	ISHARES INCesg awr msci em	$0	–	-34,562	–	-0.04%	–
IWO	Exit	ISHARES TRrus 2000 grw etf	$0	–	-4,839	–	-0.04%	–
VOO	Exit	VANGUARD INDEX FDS	$0	–	-3,017	–	-0.04%	–
HDEF	Exit	DBX ETF TRxtrack msci eafe	$0	–	-53,399	–	-0.04%	–
VYM	Exit	VANGUARD WHITEHALL FDShigh div yld	$0	–	-11,983	–	-0.04%	–
SCHG	Exit	SCHWAB STRATEGIC TRus lcap gr etf	$0	–	-19,486	–	-0.05%	–
AAPL	Exit	APPLE INC	$0	–	-9,528	–	-0.06%	–
NUEM	Exit	NUSHARES ETF TRnuveen esg emrgn	$0	–	-64,078	–	-0.06%	–
VWO	Exit	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$0	–	-53,463	–	-0.07%	–
MSFT	Exit	MICROSOFT CORP	$0	–	-6,899	–	-0.07%	–
SUB	Exit	ISHARES TRshrt nat mun etf	$0	–	-37,017	–	-0.13%	–
VSGX	Exit	VANGUARD WORLD FDesg intl stk etf	$0	–	-85,330	–	-0.15%	–
ESGD	Exit	ISHARES TResg aw msci eafe	$0	–	-71,938	–	-0.17%	–
INTF	Exit	ISHARES TRintl eqty factor	$0	–	-212,038	–	-0.18%	–
SCHA	Exit	SCHWAB STRATEGIC TRus sml cap etf	$0	–	-135,699	–	-0.19%	–
VB	Exit	VANGUARD INDEX FDSsmall cp etf	$0	–	-44,557	–	-0.28%	–
ESGV	Exit	VANGUARD WORLD FDesg us stk etf	$0	–	-241,536	–	-0.61%	–
IEMG	Exit	ISHARES INCcore msci emkt	$0	–	-401,384	–	-0.65%	–
SPHQ	Exit	INVESCO EXCHANGE TRADED FD Ts&p500 quality	$0	–	-382,310	–	-0.65%	–
SCHE	Exit	SCHWAB STRATEGIC TRemrg mkteq etf	$0	–	-820,011	–	-0.66%	–
IMCV	Exit	ISHARES TRmrgstr md cp val	$0	–	-325,949	–	-0.67%	–
IMCG	Exit	ISHARES TRmrgstr md cp grw	$0	–	-428,559	–	-0.83%	–
MUB	Exit	ISHARES TRnational mun etf	$0	–	-280,978	–	-0.97%	–
VOE	Exit	VANGUARD INDEX FDSmcap vl idxvip	$0	–	-346,828	–	-1.54%	–
IEFA	Exit	ISHARES TRcore msci eafe	$0	–	-725,283	–	-1.58%	–
JSML	Exit	JANUS DETROIT STR TRhendersn cap etf	$0	–	-961,819	–	-1.66%	–
QUAL	Exit	ISHARES TRmsci usa qlt fct	$0	–	-375,878	–	-1.68%	–
VOT	Exit	VANGUARD INDEX FDSmcap gr idxvip	$0	–	-307,238	–	-2.02%	–
SCHF	Exit	SCHWAB STRATEGIC TRintl eqty etf	$0	–	-2,215,891	–	-2.54%	–
IVV	Exit	ISHARES TRcore s&p500 etf	$0	–	-195,906	–	-2.84%	–
SCHX	Exit	SCHWAB STRATEGIC TRus lrg cap etf	$0	–	-1,670,514	–	-2.86%	–
PFFD	Exit	GLOBAL X FDSus pfd etf	$0	–	-4,672,018	–	-2.97%	–
PLW	Exit	INVESCO EXCH TRADED FD TR IIequal wegt 0-30	$0	–	-4,231,665	–	-3.84%	–
MMIN	Exit	INDEXIQ ACTIVE ETF TRiq mackay insred	$0	–	-5,350,331	–	-4.13%	–
VYMI	Exit	VANGUARD WHITEHALL FDSintl high etf	$0	–	-2,208,088	–	-4.62%	–
VIOO	Exit	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$0	–	-1,879,080	–	-5.55%	–
SPYG	Exit	SPDR SER TRprtflo s&p500 gw	$0	–	-2,992,939	–	-6.00%	–
SCHD	Exit	SCHWAB STRATEGIC TRus dividend eq	$0	–	-4,097,923	–	-9.80%	–
BND	Exit	VANGUARD BD INDEX FDStotal bnd mrkt	$0	–	-4,843,069	–	-11.42%	–
VGSH	Exit	VANGUARD SCOTTSDALE FDSshort term treas	$0	–	-6,407,138	–	-12.48%	–
VTEB	Exit	VANGUARD MUN BD FDStax exempt bd	$0	–	-9,389,307	–	-15.27%	–

Q3 2023

			Value		Shares		↓ Weighting
VTEB	Sell	VANGUARD MUN BD FDStax exempt bd	$451,625,667	-4.3%	9,389,307	-0.0%	15.27%	-2.0%
VGSH	Sell	VANGUARD SCOTTSDALE FDSshort term treas	$369,051,150	-1.6%	6,407,138	-1.4%	12.48%	+0.7%
BND	Buy	VANGUARD BD INDEX FDStotal bnd mrkt	$337,949,337	-2.5%	4,843,069	+1.6%	11.42%	-0.2%
SCHD	Sell	SCHWAB STRATEGIC TRus dividend eq	$289,969,013	-3.3%	4,097,923	-0.8%	9.80%	-1.0%
SPYG	Sell	SPDR SER TRprtflo s&p500 gw	$177,421,404	-5.3%	2,992,939	-2.5%	6.00%	-3.1%
VIOO	Buy	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$164,231,568	+30.7%	1,879,080	+37.4%	5.55%	+33.8%
VYMI	Buy	VANGUARD WHITEHALL FDSintl high etf	$136,658,555	+0.3%	2,208,088	+2.4%	4.62%	+2.6%
MMIN	Buy	INDEXIQ ACTIVE ETF TRiq mackay insred	$122,255,064	-4.9%	5,350,331	+0.7%	4.13%	-2.7%
PLW	New	INVESCO EXCH TRADED FD TR IIequal wegt 0-30	$113,450,939	–	4,231,665	–	3.84%	–
PFFD	Buy	GLOBAL X FDSus pfd etf	$87,880,660	-2.3%	4,672,018	+0.7%	2.97%	-0.0%
SCHX	Buy	SCHWAB STRATEGIC TRus lrg cap etf	$84,528,009	-2.3%	1,670,514	+1.1%	2.86%	0.0%
IVV	Buy	ISHARES TRcore s&p500 etf	$84,127,869	+4.9%	195,906	+8.9%	2.84%	+7.3%
SCHF	Buy	SCHWAB STRATEGIC TRintl eqty etf	$75,251,646	-2.7%	2,215,891	+2.2%	2.54%	-0.4%
VOT	Buy	VANGUARD INDEX FDSmcap gr idxvip	$59,840,685	-3.6%	307,238	+1.9%	2.02%	-1.3%
QUAL	Buy	ISHARES TRmsci usa qlt fct	$49,536,948	+1.0%	375,878	+3.4%	1.68%	+3.4%
JSML	Buy	JANUS DETROIT STR TRhendersn cap etf	$49,043,161	-6.1%	961,819	+4.6%	1.66%	-3.9%
IEFA	Buy	ISHARES TRcore msci eafe	$46,671,962	-2.1%	725,283	+2.7%	1.58%	+0.2%
VOE	Buy	VANGUARD INDEX FDSmcap vl idxvip	$45,420,592	-2.7%	346,828	+2.8%	1.54%	-0.5%
MUB	Sell	ISHARES TRnational mun etf	$28,811,485	-12.9%	280,978	-9.3%	0.97%	-10.8%
IMCG	Buy	ISHARES TRmrgstr md cp grw	$24,483,576	+1.1%	428,559	+7.8%	0.83%	+3.5%
IMCV	Buy	ISHARES TRmrgstr md cp val	$19,749,250	+7.0%	325,949	+12.5%	0.67%	+9.5%
SCHE	Sell	SCHWAB STRATEGIC TRemrg mkteq etf	$19,631,052	-33.8%	820,011	-31.9%	0.66%	-32.2%
SPHQ	Sell	INVESCO EXCHANGE TRADED FD Ts&p500 quality	$19,130,793	-5.2%	382,310	-4.4%	0.65%	-3.0%
IEMG	Sell	ISHARES INCcore msci emkt	$19,101,865	-37.5%	401,384	-35.3%	0.65%	-36.0%
ESGV	Buy	VANGUARD WORLD FDesg us stk etf	$18,168,338	-4.0%	241,536	+0.0%	0.61%	-1.8%
VB	Buy	VANGUARD INDEX FDSsmall cp etf	$8,424,392	+11.8%	44,557	+17.6%	0.28%	+14.5%
SCHA	Buy	SCHWAB STRATEGIC TRus sml cap etf	$5,620,653	+25.2%	135,699	+32.4%	0.19%	+28.4%
INTF	Sell	ISHARES TRintl eqty factor	$5,481,183	-32.3%	212,038	-29.7%	0.18%	-30.7%
ESGD	Buy	ISHARES TResg aw msci eafe	$4,973,074	-5.0%	71,938	+0.2%	0.17%	-2.9%
VSGX	Buy	VANGUARD WORLD FDesg intl stk etf	$4,304,046	-2.3%	85,330	+2.9%	0.15%	+0.7%
SUB	Sell	ISHARES TRshrt nat mun etf	$3,807,569	-14.8%	37,017	-13.8%	0.13%	-12.8%
MSFT	Buy	MICROSOFT CORP	$2,178,218	+19.7%	6,899	+29.1%	0.07%	+23.3%
NUEM	Sell	NUSHARES ETF TRnuveen esg emrgn	$1,680,126	-10.0%	64,078	-6.3%	0.06%	-8.1%
AAPL	Buy	APPLE INC	$1,631,289	-5.8%	9,528	+6.7%	0.06%	-3.5%
SCHG	Sell	SCHWAB STRATEGIC TRus lcap gr etf	$1,417,022	-7.1%	19,486	-4.3%	0.05%	-4.0%
VYM	Buy	VANGUARD WHITEHALL FDShigh div yld	$1,238,084	+24.7%	11,983	+28.0%	0.04%	+27.3%
HDEF	New	DBX ETF TRxtrack msci eafe	$1,206,284	–	53,399	–	0.04%	–
VOO	Sell	VANGUARD INDEX FDS	$1,184,776	-9.9%	3,017	-6.5%	0.04%	-7.0%
IWO	New	ISHARES TRrus 2000 grw etf	$1,084,662	–	4,839	–	0.04%	–
ESGE	Sell	ISHARES INCesg awr msci em	$1,046,538	-51.1%	34,562	-48.9%	0.04%	-50.7%
ESML	Sell	ISHARES TResg aware msci	$1,009,534	-20.9%	30,001	-16.5%	0.03%	-19.0%
SPY	Sell	SPDR S&P 500 ETF TRtr unit	$1,013,984	-15.3%	2,372	-12.2%	0.03%	-15.0%
EMXC	Sell	ISHARES INCmsci emrg chn	$984,990	-47.4%	19,767	-45.1%	0.03%	-46.8%
SUSL	Sell	ISHARES TResg msci leadr	$944,360	-4.4%	12,523	-1.8%	0.03%	-3.0%
EAGG	Sell	ISHARES TResg awr us agrgt	$667,858	-11.3%	14,743	-7.7%	0.02%	-8.0%
MDY	Sell	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$569,431	-14.5%	1,247	-10.4%	0.02%	-13.6%
IWF	Sell	ISHARES TRrus 1000 grw etf	$574,805	-10.4%	2,161	-7.3%	0.02%	-9.5%
VTI	Buy	VANGUARD INDEX FDStotal stk mkt	$551,204	+25.7%	2,595	+30.4%	0.02%	+35.7%
VUG	Sell	VANGUARD INDEX FDSgrowth etf	$546,799	-8.1%	2,008	-4.5%	0.02%	-10.0%
IUSB	Sell	ISHARES TRcore total usd	$488,865	-78.7%	11,183	-77.8%	0.02%	-77.6%
IJR	Sell	ISHARES TRcore s&p scp etf	$388,640	-30.4%	4,120	-26.5%	0.01%	-27.8%
MA	Buy	MASTERCARD INCORPORATEDcl a	$373,344	+18.5%	943	+17.7%	0.01%	+30.0%
AMZN	Buy	AMAZON COM INC	$341,953	+0.9%	2,690	+3.5%	0.01%	+9.1%
CTAS	Buy	CINTAS CORP	$351,619	+41.5%	731	+46.2%	0.01%	+50.0%
PEP	Buy	PEPSICO INC	$356,834	+7.0%	2,106	+17.0%	0.01%	+9.1%
IWD	Sell	ISHARES TRrus 1000 val etf	$358,448	-5.1%	2,361	-1.3%	0.01%	0.0%
JNJ	Buy	JOHNSON & JOHNSON	$313,194	+45.8%	2,011	+54.9%	0.01%	+57.1%
QEFA	Sell	SPDR INDEX SHS FDSmsci eafe strtgc	$288,205	-63.6%	4,299	-62.0%	0.01%	-61.5%
SCHB	Sell	SCHWAB STRATEGIC TRus brd mkt etf	$304,833	-15.6%	6,115	-12.5%	0.01%	-16.7%
NVDA	New	NVIDIA CORPORATION	$283,179	–	651	–	0.01%	–
IWP	Sell	ISHARES TRrus md cp gr etf	$292,138	-18.4%	3,198	-13.7%	0.01%	-16.7%
FB	Buy	META PLATFORMS INCcl a	$300,811	+4.8%	1,002	+0.2%	0.01%	+11.1%
LLY	New	ELI LILLY & CO	$301,330	–	561	–	0.01%	–
SUSB	Sell	ISHARES TResg awre 1 5 yr	$254,767	-19.5%	10,718	-19.0%	0.01%	-10.0%
ITW	Buy	ILLINOIS TOOL WKS INC	$239,062	-4.4%	1,038	+3.8%	0.01%	0.0%
LMT	New	LOCKHEED MARTIN CORP	$215,113	–	526	–	0.01%	–
AGG	Exit	ISHARES TRcore us aggbd et	$0	–	-1,237,818	–	-4.00%	–

Q2 2023

			Value		Shares		↓ Weighting
VTEB	New	VANGUARD MUN BD FDStax exempt bd	$471,732,430	–	9,393,318	–	15.58%	–
VGSH	New	VANGUARD SCOTTSDALE FDSshort term treas	$375,173,712	–	6,498,765	–	12.39%	–
BND	New	VANGUARD BD INDEX FDStotal bnd mrkt	$346,535,665	–	4,767,309	–	11.45%	–
SCHD	New	SCHWAB STRATEGIC TRus dividend eq	$299,869,239	–	4,129,293	–	9.91%	–
SPYG	New	SPDR SER TRprtflo s&p500 gw	$187,274,044	–	3,069,563	–	6.19%	–
VYMI	New	VANGUARD WHITEHALL FDSintl high etf	$136,291,538	–	2,156,512	–	4.50%	–
MMIN	New	INDEXIQ ACTIVE ETF TRiq mackay insred	$128,621,266	–	5,312,733	–	4.25%	–
VIOO	New	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$125,657,712	–	1,367,480	–	4.15%	–
AGG	New	ISHARES TRcore us aggbd et	$121,244,282	–	1,237,818	–	4.00%	–
PFFD	New	GLOBAL X FDSus pfd etf	$89,951,712	–	4,639,077	–	2.97%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$86,513,617	–	1,651,969	–	2.86%	–
IVV	New	ISHARES TRcore s&p500 etf	$80,216,166	–	179,974	–	2.65%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$77,333,750	–	2,169,250	–	2.56%	–
VOT	New	VANGUARD INDEX FDSmcap gr idxvip	$62,066,727	–	301,632	–	2.05%	–
JSML	New	JANUS DETROIT STR TRhendersn cap etf	$52,207,104	–	919,301	–	1.72%	–
QUAL	New	ISHARES TRmsci usa qlt fct	$49,027,929	–	363,520	–	1.62%	–
IEFA	New	ISHARES TRcore msci eafe	$47,683,823	–	706,427	–	1.58%	–
VOE	New	VANGUARD INDEX FDSmcap vl idxvip	$46,702,900	–	337,497	–	1.54%	–
MUB	New	ISHARES TRnational mun etf	$33,062,927	–	309,781	–	1.09%	–
IEMG	New	ISHARES INCcore msci emkt	$30,579,024	–	620,390	–	1.01%	–
SCHE	New	SCHWAB STRATEGIC TRemrg mkteq etf	$29,675,395	–	1,204,848	–	0.98%	–
IMCG	New	ISHARES TRmrgstr md cp grw	$24,220,299	–	397,445	–	0.80%	–
SPHQ	New	INVESCO EXCHANGE TRADED FD Ts&p500 quality	$20,184,440	–	400,088	–	0.67%	–
ESGV	New	VANGUARD WORLD FDesg us stk etf	$18,919,880	–	241,479	–	0.62%	–
IMCV	New	ISHARES TRmrgstr md cp val	$18,452,107	–	289,672	–	0.61%	–
INTF	New	ISHARES TRintl eqty factor	$8,091,178	–	301,797	–	0.27%	–
VB	New	VANGUARD INDEX FDSsmall cp etf	$7,533,357	–	37,877	–	0.25%	–
ESGD	New	ISHARES TResg aw msci eafe	$5,235,645	–	71,790	–	0.17%	–
SUB	New	ISHARES TRshrt nat mun etf	$4,468,727	–	42,952	–	0.15%	–
SCHA	New	SCHWAB STRATEGIC TRus sml cap etf	$4,488,887	–	102,486	–	0.15%	–
VSGX	New	VANGUARD WORLD FDesg intl stk etf	$4,403,457	–	82,912	–	0.14%	–
IUSB	New	ISHARES TRcore total usd	$2,293,462	–	50,439	–	0.08%	–
VWO	New	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$2,174,875	–	53,463	–	0.07%	–
ESGE	New	ISHARES INCesg awr msci em	$2,139,517	–	67,642	–	0.07%	–
NUEM	New	NUSHARES ETF TRnuveen esg emrgn	$1,866,939	–	68,361	–	0.06%	–
EMXC	New	ISHARES INCmsci emrg chn	$1,872,528	–	36,024	–	0.06%	–
MSFT	New	MICROSOFT CORP	$1,820,187	–	5,345	–	0.06%	–
AAPL	New	APPLE INC	$1,731,377	–	8,926	–	0.06%	–
SCHG	New	SCHWAB STRATEGIC TRus lcap gr etf	$1,525,533	–	20,354	–	0.05%	–
VOO	New	VANGUARD INDEX FDS	$1,314,293	–	3,227	–	0.04%	–
ESML	New	ISHARES TResg aware msci	$1,276,092	–	35,926	–	0.04%	–
SPY	New	SPDR S&P 500 ETF TRtr unit	$1,197,743	–	2,702	–	0.04%	–
VYM	New	VANGUARD WHITEHALL FDShigh div yld	$992,710	–	9,359	–	0.03%	–
SUSL	New	ISHARES TResg msci leadr	$987,802	–	12,759	–	0.03%	–
ITOT	New	ISHARES TRcore s&p ttl stk	$930,752	–	9,513	–	0.03%	–
QEFA	New	SPDR INDEX SHS FDSmsci eafe strtgc	$791,780	–	11,324	–	0.03%	–
EAGG	New	ISHARES TResg awr us agrgt	$753,070	–	15,965	–	0.02%	–
MDY	New	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$666,164	–	1,391	–	0.02%	–
IWF	New	ISHARES TRrus 1000 grw etf	$641,720	–	2,332	–	0.02%	–
VUG	New	VANGUARD INDEX FDSgrowth etf	$594,782	–	2,102	–	0.02%	–
GLD	New	SPDR GOLD TR	$581,851	–	3,264	–	0.02%	–
IJR	New	ISHARES TRcore s&p scp etf	$558,439	–	5,604	–	0.02%	–
AVUV	New	AMERICAN CENTY ETF TRus sml cp valu	$512,304	–	6,601	–	0.02%	–
FSV	New	FIRSTSERVICE CORP NEW	$506,957	–	3,290	–	0.02%	–
IWB	New	ISHARES TRrus 1000 etf	$497,961	–	2,043	–	0.02%	–
VTI	New	VANGUARD INDEX FDStotal stk mkt	$438,358	–	1,990	–	0.01%	–
IWP	New	ISHARES TRrus md cp gr etf	$358,015	–	3,705	–	0.01%	–
SCHB	New	SCHWAB STRATEGIC TRus brd mkt etf	$361,383	–	6,990	–	0.01%	–
IWD	New	ISHARES TRrus 1000 val etf	$377,688	–	2,393	–	0.01%	–
PEP	New	PEPSICO INC	$333,396	–	1,800	–	0.01%	–
AMZN	New	AMAZON COM INC	$338,936	–	2,600	–	0.01%	–
PGR	New	PROGRESSIVE CORP	$324,969	–	2,455	–	0.01%	–
MA	New	MASTERCARD INCORPORATEDcl a	$315,034	–	801	–	0.01%	–
SUSB	New	ISHARES TResg awre 1 5 yr	$316,402	–	13,233	–	0.01%	–
FB	New	META PLATFORMS INCcl a	$286,980	–	1,000	–	0.01%	–
IJH	New	ISHARES TRcore s&p mcp etf	$253,113	–	968	–	0.01%	–
ITW	New	ILLINOIS TOOL WKS INC	$250,160	–	1,000	–	0.01%	–
CTAS	New	CINTAS CORP	$248,540	–	500	–	0.01%	–
UNH	New	UNITEDHEALTH GROUP INC	$235,514	–	490	–	0.01%	–
ANTM	New	ELEVANCE HEALTH INC	$215,481	–	485	–	0.01%	–
JNJ	New	JOHNSON & JOHNSON	$214,845	–	1,298	–	0.01%	–
	New	DIMENSIONAL ETF TRUSTus mktwide value	$216,764	–	6,283	–	0.01%	–
IWM	New	ISHARES TRrussell 2000 etf	$222,665	–	1,189	–	0.01%	–

Q4 2022

			Value		Shares		↓ Weighting
XEL	Exit	XCEL ENERGY INC	$0	–	-3,307	–	-0.01%	–
SUB	Exit	ISHARES TRshrt nat mun etf	$0	–	-2,019	–	-0.01%	–
IWM	Exit	ISHARES TRrussell 2000 etf	$0	–	-1,300	–	-0.01%	–
MA	Exit	MASTERCARD INCORPORATEDcl a	$0	–	-801	–	-0.01%	–
ANTM	Exit	ELEVANCE HEALTH INC	$0	–	-485	–	-0.01%	–
SCHB	Exit	SCHWAB STRATEGIC TRus brd mkt etf	$0	–	-5,866	–	-0.01%	–
JNJ	Exit	JOHNSON & JOHNSON	$0	–	-1,546	–	-0.01%	–
PGR	Exit	PROGRESSIVE CORP	$0	–	-2,455	–	-0.01%	–
SUSB	Exit	ISHARES TResg awre 1 5 yr	$0	–	-11,720	–	-0.01%	–
PEP	Exit	PEPSICO INC	$0	–	-1,888	–	-0.02%	–
AVNT	Exit	AVIENT CORPORATION	$0	–	-10,557	–	-0.02%	–
IWP	Exit	ISHARES TRrus md cp gr etf	$0	–	-4,484	–	-0.02%	–
IWD	Exit	ISHARES TRrus 1000 val etf	$0	–	-2,581	–	-0.02%	–
AMZN	Exit	AMAZON COM INC	$0	–	-3,080	–	-0.02%	–
UNH	Exit	UNITEDHEALTH GROUP INC	$0	–	-727	–	-0.02%	–
FSV	Exit	FIRSTSERVICE CORP NEW	$0	–	-3,290	–	-0.02%	–
ESML	Exit	ISHARES TResg aware msci	$0	–	-13,473	–	-0.02%	–
VTI	Exit	VANGUARD INDEX FDStotal stk mkt	$0	–	-2,252	–	-0.02%	–
IWF	Exit	ISHARES TRrus 1000 grw etf	$0	–	-2,305	–	-0.02%	–
GLD	Exit	SPDR GOLD TR	$0	–	-3,264	–	-0.02%	–
ESGD	Exit	ISHARES TResg aw msci eafe	$0	–	-9,118	–	-0.02%	–
SUSL	Exit	ISHARES TResg msci leadr	$0	–	-9,641	–	-0.03%	–
IJR	Exit	ISHARES TRcore s&p scp etf	$0	–	-6,824	–	-0.03%	–
VUG	Exit	VANGUARD INDEX FDSgrowth etf	$0	–	-3,033	–	-0.03%	–
MDY	Exit	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$0	–	-1,628	–	-0.03%	–
PULS	Exit	PGIM ETF TRpgim ultra sh bd	$0	–	-16,349	–	-0.04%	–
VYM	Exit	VANGUARD WHITEHALL FDShigh div yld	$0	–	-8,771	–	-0.04%	–
ESGE	Exit	ISHARES INCesg awr msci em	$0	–	-31,533	–	-0.04%	–
SPY	Exit	SPDR S&P 500 ETF TRtr unit	$0	–	-2,523	–	-0.04%	–
VOO	Exit	VANGUARD INDEX FDS	$0	–	-2,935	–	-0.05%	–
GFL	Exit	GFL ENVIRONMENTAL INC	$0	–	-44,718	–	-0.06%	–
MSFT	Exit	MICROSOFT CORP	$0	–	-5,618	–	-0.06%	–
AAPL	Exit	APPLE INC	$0	–	-9,980	–	-0.07%	–
VYMI	Exit	VANGUARD WHITEHALL FDSintl high etf	$0	–	-29,111	–	-0.08%	–
IMCV	Exit	ISHARES TRmrgstr md cp val	$0	–	-32,110	–	-0.09%	–
VWO	Exit	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$0	–	-54,130	–	-0.10%	–
MUB	Exit	ISHARES TRnational mun etf	$0	–	-52,263	–	-0.26%	–
SPHQ	Exit	INVESCO EXCHANGE TRADED FD Ts&p500 quality	$0	–	-186,501	–	-0.37%	–
SCHA	Exit	SCHWAB STRATEGIC TRus sml cap etf	$0	–	-213,798	–	-0.40%	–
VB	Exit	VANGUARD INDEX FDSsmall cp etf	$0	–	-49,723	–	-0.42%	–
QEFA	Exit	SPDR INDEX SHS FDSmsci eafe strtgc	$0	–	-193,168	–	-0.53%	–
IUSB	Exit	ISHARES TRcore total usd	$0	–	-244,463	–	-0.54%	–
VSGX	Exit	VANGUARD WORLD FDesg intl stk etf	$0	–	-260,134	–	-0.56%	–
SCHE	Exit	SCHWAB STRATEGIC TRemrg mkteq etf	$0	–	-508,223	–	-0.56%	–
IMCG	Exit	ISHARES TRmrgstr md cp grw	$0	–	-248,386	–	-0.62%	–
ESGV	Exit	VANGUARD WORLD FDesg us stk etf	$0	–	-282,076	–	-0.88%	–
SCHF	Exit	SCHWAB STRATEGIC TRintl eqty etf	$0	–	-865,872	–	-1.20%	–
INTF	Exit	ISHARES TRintl eqty factor	$0	–	-1,458,734	–	-1.51%	–
IEMG	Exit	ISHARES INCcore msci emkt	$0	–	-779,375	–	-1.65%	–
QUAL	Exit	ISHARES TRmsci usa qlt fct	$0	–	-340,862	–	-1.75%	–
IEFA	Exit	ISHARES TRcore msci eafe	$0	–	-703,975	–	-1.83%	–
VOE	Exit	VANGUARD INDEX FDSmcap vl idxvip	$0	–	-310,276	–	-1.86%	–
SPYG	Exit	SPDR SER TRprtflo s&p500 gw	$0	–	-764,127	–	-1.89%	–
IVV	Exit	ISHARES TRcore s&p500 etf	$0	–	-112,040	–	-1.98%	–
VOT	Exit	VANGUARD INDEX FDSmcap gr idxvip	$0	–	-262,442	–	-2.21%	–
MMIN	Exit	INDEXIQ ACTIVE ETF TRiq mackay insred	$0	–	-2,118,989	–	-2.40%	–
SCHG	Exit	SCHWAB STRATEGIC TRus lcap gr etf	$0	–	-1,011,599	–	-2.79%	–
SCHX	Exit	SCHWAB STRATEGIC TRus lrg cap etf	$0	–	-1,729,686	–	-3.61%	–
AGG	Exit	ISHARES TRcore us aggbd et	$0	–	-1,251,009	–	-5.95%	–
PFFD	Exit	GLOBAL X FDSus pfd etf	$0	–	-5,998,585	–	-6.07%	–
VIOO	Exit	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$0	–	-1,282,791	–	-10.22%	–
BND	Exit	VANGUARD BD INDEX FDStotal bnd mrkt	$0	–	-3,186,488	–	-11.22%	–
SCHD	Exit	SCHWAB STRATEGIC TRus dividend eq	$0	–	-3,492,014	–	-11.45%	–
VTEB	Exit	VANGUARD MUN BD FDStax exempt bd	$0	–	-5,045,863	–	-11.99%	–
VGSH	Exit	VANGUARD SCOTTSDALE FDSshort term treas	$0	–	-4,267,884	–	-12.17%	–

Q3 2022

			Value		Shares		↓ Weighting
VGSH	New	VANGUARD SCOTTSDALE FDSshort term treas	$246,641,000	–	4,267,884	–	12.17%	–
VTEB	Buy	VANGUARD MUN BD FDStax exempt bd	$242,908,000	-0.5%	5,045,863	+3.1%	11.99%	-13.3%
SCHD	Buy	SCHWAB STRATEGIC TRus dividend eq	$231,975,000	-5.1%	3,492,014	+2.3%	11.45%	-17.2%
BND	Sell	VANGUARD BD INDEX FDStotal bnd mrkt	$227,292,000	-37.4%	3,186,488	-34.0%	11.22%	-45.4%
VIOO	Buy	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$207,119,000	+3047.7%	1,282,791	+3215.0%	10.22%	+2647.3%
PFFD	New	GLOBAL X FDSus pfd etf	$123,031,000	–	5,998,585	–	6.07%	–
AGG	Buy	ISHARES TRcore us aggbd et	$120,522,000	+9121.3%	1,251,009	+9635.5%	5.95%	+7936.5%
SCHX	Buy	SCHWAB STRATEGIC TRus lrg cap etf	$73,252,000	+47.1%	1,729,686	+55.1%	3.61%	+28.3%
SCHG	Buy	SCHWAB STRATEGIC TRus lcap gr etf	$56,457,000	+16407.9%	1,011,599	+17066.1%	2.79%	+14563.2%
MMIN	New	INDEXIQ ACTIVE ETF TRiq mackay insred	$48,694,000	–	2,118,989	–	2.40%	–
VOT	Buy	VANGUARD INDEX FDSmcap gr idxvip	$44,757,000	+49.5%	262,442	+53.8%	2.21%	+30.4%
IVV	Sell	ISHARES TRcore s&p500 etf	$40,183,000	-14.4%	112,040	-9.5%	1.98%	-25.4%
SPYG	Sell	SPDR SER TRprtflo s&p500 gw	$38,283,000	-58.1%	764,127	-56.3%	1.89%	-63.5%
VOE	Buy	VANGUARD INDEX FDSmcap vl idxvip	$37,782,000	+30.8%	310,276	+39.2%	1.86%	+14.1%
IEFA	Buy	ISHARES TRcore msci eafe	$37,078,000	+205.7%	703,975	+241.5%	1.83%	+166.8%
QUAL	Buy	ISHARES TRmsci usa qlt fct	$35,429,000	+4.6%	340,862	+12.4%	1.75%	-8.8%
IEMG	Buy	ISHARES INCcore msci emkt	$33,498,000	+147.6%	779,375	+182.6%	1.65%	+116.1%
INTF	Buy	ISHARES TRintl eqty factor	$30,546,000	+0.5%	1,458,734	+13.0%	1.51%	-12.3%
SCHF	Sell	SCHWAB STRATEGIC TRintl eqty etf	$24,357,000	-16.8%	865,872	-6.9%	1.20%	-27.4%
ESGV	Buy	VANGUARD WORLD FDesg us stk etf	$17,745,000	-4.4%	282,076	+0.9%	0.88%	-16.6%
IMCG	Sell	ISHARES TRmrgstr md cp grw	$12,514,000	-25.3%	248,386	-23.0%	0.62%	-34.8%
SCHE	Sell	SCHWAB STRATEGIC TRemrg mkteq etf	$11,384,000	-54.8%	508,223	-48.8%	0.56%	-60.6%
VSGX	Sell	VANGUARD WORLD FDesg intl stk etf	$11,300,000	-11.7%	260,134	-0.3%	0.56%	-22.9%
IUSB	New	ISHARES TRcore total usd	$10,879,000	–	244,463	–	0.54%	–
QEFA	Buy	SPDR INDEX SHS FDSmsci eafe strtgc	$10,777,000	+573.1%	193,168	+647.8%	0.53%	+484.6%
VB	Sell	VANGUARD INDEX FDSsmall cp etf	$8,498,000	-95.8%	49,723	-95.7%	0.42%	-96.3%
SCHA	Sell	SCHWAB STRATEGIC TRus sml cap etf	$8,082,000	-34.5%	213,798	-32.5%	0.40%	-42.8%
SPHQ	Buy	INVESCO EXCHANGE TRADED FD Ts&p500 quality	$7,412,000	+726.3%	186,501	+773.6%	0.37%	+617.6%
MUB	Buy	ISHARES TRnational mun etf	$5,361,000	+838.9%	52,263	+873.8%	0.26%	+728.1%
IMCV	Buy	ISHARES TRmrgstr md cp val	$1,796,000	+431.4%	32,110	+463.6%	0.09%	+368.4%
VYMI	Sell	VANGUARD WHITEHALL FDSintl high etf	$1,515,000	-98.5%	29,111	-98.4%	0.08%	-98.7%
AAPL	Buy	APPLE INC	$1,379,000	+2.0%	9,980	+1.0%	0.07%	-10.5%
MSFT	Buy	MICROSOFT CORP	$1,308,000	-7.7%	5,618	+1.8%	0.06%	-18.8%
GFL	Sell	GFL ENVIRONMENTAL INC	$1,136,000	-1.2%	44,718	-0.0%	0.06%	-13.8%
VOO	Sell	VANGUARD INDEX FDS	$964,000	-55.3%	2,935	-52.8%	0.05%	-60.7%
SPY	Sell	SPDR S&P 500 ETF TRtr unit	$901,000	-15.4%	2,523	-10.7%	0.04%	-26.7%
ESGE	Sell	ISHARES INCesg awr msci em	$873,000	-57.1%	31,533	-50.0%	0.04%	-62.6%
VYM	Buy	VANGUARD WHITEHALL FDShigh div yld	$832,000	+214.0%	8,771	+236.4%	0.04%	+173.3%
PULS	Sell	PGIM ETF TRpgim ultra sh bd	$802,000	-99.3%	16,349	-99.3%	0.04%	-99.4%
VUG	Sell	VANGUARD INDEX FDSgrowth etf	$649,000	-7.4%	3,033	-3.6%	0.03%	-20.0%
MDY	Buy	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$654,000	-2.1%	1,628	+0.8%	0.03%	-15.8%
SUSL	New	ISHARES TResg msci leadr	$595,000	–	9,641	–	0.03%	–
ESGD	New	ISHARES TResg aw msci eafe	$512,000	–	9,118	–	0.02%	–
IWF	Sell	ISHARES TRrus 1000 grw etf	$485,000	-5.1%	2,305	-1.4%	0.02%	-17.2%
VTI	Buy	VANGUARD INDEX FDStotal stk mkt	$404,000	-1.7%	2,252	+3.4%	0.02%	-13.0%
ESML	New	ISHARES TResg aware msci	$413,000	–	13,473	–	0.02%	–
UNH	Buy	UNITEDHEALTH GROUP INC	$367,000	+9.6%	727	+11.5%	0.02%	-5.3%
AMZN	Buy	AMAZON COM INC	$348,000	+13.7%	3,080	+6.9%	0.02%	0.0%
IWP	Sell	ISHARES TRrus md cp gr etf	$352,000	-30.0%	4,484	-29.4%	0.02%	-39.3%
PEP	Buy	PEPSICO INC	$308,000	+4.4%	1,888	+6.7%	0.02%	-11.8%
SUSB	Sell	ISHARES TResg awre 1 5 yr	$275,000	-8.6%	11,720	-6.2%	0.01%	-17.6%
JNJ	Buy	JOHNSON & JOHNSON	$253,000	+6.3%	1,546	+15.5%	0.01%	-7.7%
IWM	Sell	ISHARES TRrussell 2000 etf	$214,000	-21.0%	1,300	-18.8%	0.01%	-26.7%
SUB	Sell	ISHARES TRshrt nat mun etf	$207,000	-83.7%	2,019	-83.4%	0.01%	-86.1%
DWMF	Exit	WISDOMTREE TRintk mltifactr	$0	–	-11,328	–	-0.02%	–
JQUA	Exit	J P MORGAN EXCHANGE TRADED Fus qualty fctr	$0	–	-8,469	–	-0.02%	–
HDEF	Exit	DBX ETF TRxtrack msci eafe	$0	–	-21,402	–	-0.02%	–
VCSH	Exit	VANGUARD SCOTTSDALE FDSshrt trm corp bd	$0	–	-64,007	–	-0.28%	–

Q2 2022

			Value		Shares		↓ Weighting
BND	New	VANGUARD BD INDEX FDStotal bnd mrkt	$363,174,000	–	4,825,587	–	20.55%	–
SCHD	New	SCHWAB STRATEGIC TRus dividend eq	$244,429,000	–	3,412,389	–	13.83%	–
VTEB	New	VANGUARD MUN BD FDStax exempt bd	$244,220,000	–	4,892,226	–	13.82%	–
VB	New	VANGUARD INDEX FDSsmall cp etf	$202,875,000	–	1,151,976	–	11.48%	–
PULS	New	PGIM ETF TRpgim ultra sh bd	$118,500,000	–	2,414,910	–	6.70%	–
VYMI	New	VANGUARD WHITEHALL FDSintl high etf	$103,786,000	–	1,764,466	–	5.87%	–
SPYG	New	SPDR SER TRprtflo s&p500 gw	$91,456,000	–	1,749,347	–	5.17%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$49,792,000	–	1,114,910	–	2.82%	–
IVV	New	ISHARES TRcore s&p500 etf	$46,958,000	–	123,850	–	2.66%	–
QUAL	New	ISHARES TRmsci usa qlt fct	$33,885,000	–	303,272	–	1.92%	–
INTF	New	ISHARES TRintl eqty factor	$30,379,000	–	1,291,074	–	1.72%	–
VOT	New	VANGUARD INDEX FDSmcap gr idxvip	$29,929,000	–	170,652	–	1.69%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$29,260,000	–	930,372	–	1.66%	–
VOE	New	VANGUARD INDEX FDSmcap vl idxvip	$28,878,000	–	222,965	–	1.63%	–
SCHE	New	SCHWAB STRATEGIC TRemrg mkteq etf	$25,205,000	–	993,115	–	1.43%	–
ESGV	New	VANGUARD WORLD FDesg us stk etf	$18,561,000	–	279,530	–	1.05%	–
IMCG	New	ISHARES TRmrgstr md cp grw	$16,744,000	–	322,377	–	0.95%	–
IEMG	New	ISHARES INCcore msci emkt	$13,529,000	–	275,762	–	0.76%	–
VSGX	New	VANGUARD WORLD FDesg intl stk etf	$12,791,000	–	260,819	–	0.72%	–
SCHA	New	SCHWAB STRATEGIC TRus sml cap etf	$12,346,000	–	316,652	–	0.70%	–
IEFA	New	ISHARES TRcore msci eafe	$12,130,000	–	206,115	–	0.69%	–
VIOO	New	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$6,580,000	–	38,697	–	0.37%	–
VCSH	New	VANGUARD SCOTTSDALE FDSshrt trm corp bd	$4,881,000	–	64,007	–	0.28%	–
VWO	New	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$2,255,000	–	54,130	–	0.13%	–
VOO	New	VANGUARD INDEX FDS	$2,159,000	–	6,224	–	0.12%	–
ESGE	New	ISHARES INCesg awr msci em	$2,036,000	–	63,017	–	0.12%	–
QEFA	New	SPDR INDEX SHS FDSmsci eafe strtgc	$1,601,000	–	25,832	–	0.09%	–
MSFT	New	MICROSOFT CORP	$1,417,000	–	5,516	–	0.08%	–
AAPL	New	APPLE INC	$1,352,000	–	9,886	–	0.08%	–
AGG	New	ISHARES TRcore us aggbd et	$1,307,000	–	12,850	–	0.07%	–
SUB	New	ISHARES TRshrt nat mun etf	$1,273,000	–	12,160	–	0.07%	–
GFL	New	GFL ENVIRONMENTAL INC	$1,150,000	–	44,726	–	0.06%	–
SPY	New	SPDR S&P 500 ETF TRtr unit	$1,065,000	–	2,824	–	0.06%	–
SPHQ	New	INVESCO EXCHANGE TRADED FD Ts&p500 quality	$897,000	–	21,349	–	0.05%	–
VUG	New	VANGUARD INDEX FDSgrowth etf	$701,000	–	3,146	–	0.04%	–
MDY	New	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$668,000	–	1,615	–	0.04%	–
IJR	New	ISHARES TRcore s&p scp etf	$631,000	–	6,824	–	0.04%	–
MUB	New	ISHARES TRnational mun etf	$571,000	–	5,367	–	0.03%	–
GLD	New	SPDR GOLD TR	$550,000	–	3,264	–	0.03%	–
IWF	New	ISHARES TRrus 1000 grw etf	$511,000	–	2,338	–	0.03%	–
IWP	New	ISHARES TRrus md cp gr etf	$503,000	–	6,348	–	0.03%	–
HDEF	New	DBX ETF TRxtrack msci eafe	$446,000	–	21,402	–	0.02%	–
AVNT	New	AVIENT CORPORATION	$423,000	–	10,557	–	0.02%	–
VTI	New	VANGUARD INDEX FDStotal stk mkt	$411,000	–	2,177	–	0.02%	–
FSV	New	FIRSTSERVICE CORP NEW	$399,000	–	3,290	–	0.02%	–
IWD	New	ISHARES TRrus 1000 val etf	$374,000	–	2,581	–	0.02%	–
SCHG	New	SCHWAB STRATEGIC TRus lcap gr etf	$342,000	–	5,893	–	0.02%	–
IMCV	New	ISHARES TRmrgstr md cp val	$338,000	–	5,697	–	0.02%	–
UNH	New	UNITEDHEALTH GROUP INC	$335,000	–	652	–	0.02%	–
JQUA	New	J P MORGAN EXCHANGE TRADED Fus qualty fctr	$315,000	–	8,469	–	0.02%	–
SUSB	New	ISHARES TResg awre 1 5 yr	$301,000	–	12,497	–	0.02%	–
AMZN	New	AMAZON COM INC	$306,000	–	2,880	–	0.02%	–
PEP	New	PEPSICO INC	$295,000	–	1,769	–	0.02%	–
PGR	New	PROGRESSIVE CORP	$285,000	–	2,455	–	0.02%	–
SCHB	New	SCHWAB STRATEGIC TRus brd mkt etf	$259,000	–	5,866	–	0.02%	–
VYM	New	VANGUARD WHITEHALL FDShigh div yld	$265,000	–	2,607	–	0.02%	–
IWM	New	ISHARES TRrussell 2000 etf	$271,000	–	1,600	–	0.02%	–
DWMF	New	WISDOMTREE TRintk mltifactr	$266,000	–	11,328	–	0.02%	–
MA	New	MASTERCARD INCORPORATEDcl a	$253,000	–	801	–	0.01%	–
ANTM	New	ELEVANCE HEALTH INC	$234,000	–	485	–	0.01%	–
XEL	New	XCEL ENERGY INC	$234,000	–	3,307	–	0.01%	–
JNJ	New	JOHNSON & JOHNSON	$238,000	–	1,339	–	0.01%	–

Q4 2021

			Value		Shares		↓ Weighting
EXAS	Exit	EXACT SCIENCES CORP	$0	–	-2,100	–	-0.02%	–
EMXC	Exit	ISHARES INCmsci emrg chn	$0	–	-3,354	–	-0.02%	–
QQQ	Exit	INVESCO QQQ TRunit ser 1	$0	–	-600	–	-0.02%	–
URI	Exit	UNITED RENTALS INC	$0	–	-608	–	-0.02%	–
ITW	Exit	ILLINOIS TOOL WKS INC	$0	–	-1,020	–	-0.02%	–
JNJ	Exit	JOHNSON & JOHNSON	$0	–	-1,372	–	-0.02%	–
XEL	Exit	XCEL ENERGY INC	$0	–	-3,543	–	-0.02%	–
PGR	Exit	PROGRESSIVE CORP	$0	–	-2,514	–	-0.03%	–
SCHZ	Exit	SCHWAB STRATEGIC TRus aggregate b	$0	–	-4,291	–	-0.03%	–
IWM	Exit	ISHARES TRrussell 2000 etf	$0	–	-1,124	–	-0.03%	–
ESGU	Exit	ISHARES TResg awr msci usa	$0	–	-2,495	–	-0.03%	–
ECL	Exit	ECOLAB INC	$0	–	-1,200	–	-0.03%	–
TT	Exit	TRANE TECHNOLOGIES PLC	$0	–	-1,419	–	-0.03%	–
SUSB	Exit	ISHARES TResg awre 1 5 yr	$0	–	-9,884	–	-0.03%	–
PEP	Exit	PEPSICO INC	$0	–	-1,808	–	-0.03%	–
DIA	Exit	SPDR DOW JONES INDL AVERAGEut ser 1	$0	–	-800	–	-0.03%	–
MA	Exit	MASTERCARD INCORPORATEDcl a	$0	–	-801	–	-0.03%	–
VYM	Exit	VANGUARD WHITEHALL FDShigh div yld	$0	–	-2,721	–	-0.03%	–
IWD	Exit	ISHARES TRrus 1000 val etf	$0	–	-1,981	–	-0.04%	–
SCHB	Exit	SCHWAB STRATEGIC TRus brd mkt etf	$0	–	-2,941	–	-0.04%	–
VO	Exit	VANGUARD INDEX FDSmid cap etf	$0	–	-1,289	–	-0.04%	–
UNH	Exit	UNITEDHEALTH GROUP INC	$0	–	-819	–	-0.04%	–
ISTB	Exit	ISHARES TRcore 1 5 yr usd	$0	–	-6,420	–	-0.04%	–
SH	Exit	PROSHARES TRshort s&p 500 ne	$0	–	-22,055	–	-0.04%	–
FB	Exit	FACEBOOK INCcl a	$0	–	-1,120	–	-0.04%	–
IJR	Exit	ISHARES TRcore s&p scp etf	$0	–	-3,431	–	-0.04%	–
SPY	Exit	SPDR S&P 500 ETF TRtr unit	$0	–	-971	–	-0.05%	–
VTI	Exit	VANGUARD INDEX FDStotal stk mkt	$0	–	-1,918	–	-0.05%	–
IWF	Exit	ISHARES TRrus 1000 grw etf	$0	–	-1,790	–	-0.06%	–
AVNT	Exit	AVIENT CORPORATION	$0	–	-10,557	–	-0.06%	–
SUB	Exit	ISHARES TRshrt nat mun etf	$0	–	-4,773	–	-0.06%	–
GLD	Exit	SPDR GOLD TR	$0	–	-3,264	–	-0.06%	–
FSV	Exit	FIRSTSERVICE CORP NEW	$0	–	-3,290	–	-0.07%	–
AMZN	Exit	AMAZON COM INC	$0	–	-184	–	-0.07%	–
MDY	Exit	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$0	–	-1,623	–	-0.09%	–
VOO	Exit	VANGUARD INDEX FDS	$0	–	-2,052	–	-0.09%	–
VUG	Exit	VANGUARD INDEX FDSgrowth etf	$0	–	-3,558	–	-0.12%	–
MSFT	Exit	MICROSOFT CORP	$0	–	-6,013	–	-0.19%	–
AAPL	Exit	APPLE INC	$0	–	-14,273	–	-0.23%	–
ESGE	Exit	ISHARES INCesg awr msci em	$0	–	-51,017	–	-0.24%	–
VCSH	Exit	VANGUARD SCOTTSDALE FDSshrt trm corp bd	$0	–	-32,005	–	-0.30%	–
VWO	Exit	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$0	–	-54,373	–	-0.31%	–
VOE	Exit	VANGUARD INDEX FDSmcap vl idxvip	$0	–	-38,383	–	-0.61%	–
VIOO	Exit	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$0	–	-36,650	–	-0.84%	–
AGG	Exit	ISHARES TRcore us aggbd et	$0	–	-72,009	–	-0.94%	–
SCHA	Exit	SCHWAB STRATEGIC TRus sml cap etf	$0	–	-106,393	–	-1.21%	–
SCHE	Exit	SCHWAB STRATEGIC TRemrg mkteq etf	$0	–	-353,569	–	-1.22%	–
IEFA	Exit	ISHARES TRcore msci eafe	$0	–	-168,624	–	-1.42%	–
SCHF	Exit	SCHWAB STRATEGIC TRintl eqty etf	$0	–	-329,922	–	-1.45%	–
INTF	Exit	ISHARES TRmsci intl multft	$0	–	-443,118	–	-1.46%	–
IEMG	Exit	ISHARES INCcore msci emkt	$0	–	-209,368	–	-1.47%	–
VSGX	Exit	VANGUARD WORLD FDesg intl stk etf	$0	–	-213,056	–	-1.50%	–
QUAL	Exit	ISHARES TRmsci usa qlt fct	$0	–	-128,544	–	-1.92%	–
ESGV	Exit	VANGUARD WORLD FDesg us stk etf	$0	–	-262,650	–	-2.39%	–
VOT	Exit	VANGUARD INDEX FDSmcap gr idxvip	$0	–	-96,904	–	-2.60%	–
SCHX	Exit	SCHWAB STRATEGIC TRus lrg cap etf	$0	–	-327,398	–	-3.87%	–
IVV	Exit	ISHARES TRcore s&p500 etf	$0	–	-82,316	–	-4.03%	–
MUB	Exit	ISHARES TRnational mun etf	$0	–	-549,818	–	-7.26%	–
VYMI	Exit	VANGUARD WHITEHALL FDSintl high etf	$0	–	-2,401,464	–	-18.02%	–
PULS	Exit	PGIM ETF TRultra short	$0	–	-3,590,330	–	-20.27%	–
SCHD	Exit	SCHWAB STRATEGIC TRus dividend eq	$0	–	-2,925,912	–	-24.68%	–

Q3 2021

			Value		Shares		↓ Weighting
SCHD	Sell	SCHWAB STRATEGIC TRus dividend eq	$217,220,000	-6.0%	2,925,912	-4.2%	24.68%	-14.8%
PULS	Buy	PGIM ETF TRultra short	$178,368,000	+181.9%	3,590,330	+182.3%	20.27%	+155.4%
VYMI	Buy	VANGUARD WHITEHALL FDSintl high etf	$158,617,000	+29.2%	2,401,464	+32.9%	18.02%	+17.0%
MUB	Sell	ISHARES TRnational mun etf	$63,872,000	-1.7%	549,818	-0.9%	7.26%	-11.0%
IVV	Buy	ISHARES TRcore s&p500 etf	$35,464,000	+7.7%	82,316	+7.4%	4.03%	-2.5%
SCHX	Sell	SCHWAB STRATEGIC TRus lrg cap etf	$34,059,000	-2.6%	327,398	-2.6%	3.87%	-11.7%
VOT	Buy	VANGUARD INDEX FDSmcap gr idxvip	$22,898,000	+2.2%	96,904	+2.2%	2.60%	-7.4%
ESGV	Buy	VANGUARD WORLD FDesg us stk etf	$21,028,000	+1.7%	262,650	+1.6%	2.39%	-7.9%
QUAL	Buy	ISHARES TRmsci usa qlt fct	$16,933,000	+15.7%	128,544	+16.7%	1.92%	+4.8%
VSGX	Buy	VANGUARD WORLD FDesg intl stk etf	$13,154,000	-1.9%	213,056	+1.9%	1.50%	-11.1%
IEMG	Sell	ISHARES INCcore msci emkt	$12,931,000	-84.3%	209,368	-83.0%	1.47%	-85.8%
INTF	Buy	ISHARES TRmsci intl multft	$12,859,000	+8.2%	443,118	+12.0%	1.46%	-2.0%
SCHF	Buy	SCHWAB STRATEGIC TRintl eqty etf	$12,768,000	+15.6%	329,922	+17.8%	1.45%	+4.7%
IEFA	Buy	ISHARES TRcore msci eafe	$12,520,000	+7.0%	168,624	+7.9%	1.42%	-3.1%
SCHE	Buy	SCHWAB STRATEGIC TRemrg mkteq etf	$10,777,000	+25.3%	353,569	+35.2%	1.22%	+13.5%
SCHA	Sell	SCHWAB STRATEGIC TRus sml cap etf	$10,650,000	-7.1%	106,393	-3.3%	1.21%	-15.8%
AGG	Buy	ISHARES TRcore us aggbd et	$8,269,000	+44.9%	72,009	+45.5%	0.94%	+31.3%
VIOO	Buy	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$7,386,000	+3.9%	36,650	+7.0%	0.84%	-5.8%
VOE	Buy	VANGUARD INDEX FDSmcap vl idxvip	$5,359,000	+79.1%	38,383	+80.2%	0.61%	+62.4%
VWO	Buy	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$2,719,000	-6.8%	54,373	+1.2%	0.31%	-15.6%
VCSH	Buy	VANGUARD SCOTTSDALE FDSshrt trm corp bd	$2,638,000	+30.4%	32,005	+30.8%	0.30%	+18.1%
ESGE	Buy	ISHARES INCesg awr msci em	$2,114,000	+2.1%	51,017	+11.3%	0.24%	-7.7%
AAPL	Buy	APPLE INC	$2,020,000	+22.4%	14,273	+18.5%	0.23%	+11.1%
MSFT	Buy	MICROSOFT CORP	$1,695,000	+9.1%	6,013	+4.8%	0.19%	-1.0%
VOO	Sell	VANGUARD INDEX FDS	$809,000	-7.0%	2,052	-7.2%	0.09%	-15.6%
AMZN	Sell	AMAZON COM INC	$604,000	-5.6%	184	-1.1%	0.07%	-13.8%
SUB	Buy	ISHARES TRshrt nat mun etf	$513,000	+18.2%	4,773	+18.5%	0.06%	+7.4%
IWF	Sell	ISHARES TRrus 1000 grw etf	$491,000	-0.8%	1,790	-1.8%	0.06%	-9.7%
VTI	Buy	VANGUARD INDEX FDStotal stk mkt	$426,000	+11.2%	1,918	+11.4%	0.05%	0.0%
SPY	Sell	SPDR S&P 500 ETF TRtr unit	$417,000	-2.8%	971	-3.2%	0.05%	-13.0%
FB	Buy	FACEBOOK INCcl a	$380,000	+9.2%	1,120	+12.0%	0.04%	-2.3%
SH	New	PROSHARES TRshort s&p 500 ne	$336,000	–	22,055	–	0.04%	–
UNH	Buy	UNITEDHEALTH GROUP INC	$320,000	+4.6%	819	+7.2%	0.04%	-5.3%
SCHB	Sell	SCHWAB STRATEGIC TRus brd mkt etf	$305,000	-10.3%	2,941	-9.8%	0.04%	-18.6%
PEP	Buy	PEPSICO INC	$272,000	+2.6%	1,808	+1.2%	0.03%	-6.1%
SUSB	Buy	ISHARES TResg awre 1 5 yr	$257,000	+0.4%	9,884	+0.6%	0.03%	-9.4%
IWM	Buy	ISHARES TRrussell 2000 etf	$246,000	+7.4%	1,124	+12.4%	0.03%	-3.4%
ECL	Sell	ECOLAB INC	$250,000	+1.2%	1,200	-52.3%	0.03%	-9.7%
TT	New	TRANE TECHNOLOGIES PLC	$245,000	–	1,419	–	0.03%	–
ESGU	New	ISHARES TResg awr msci usa	$246,000	–	2,495	–	0.03%	–
PGR	Buy	PROGRESSIVE CORP	$227,000	-8.1%	2,514	+109.5%	0.03%	-16.1%
JNJ	Buy	JOHNSON & JOHNSON	$222,000	+0.5%	1,372	+2.1%	0.02%	-10.7%
XEL	Buy	XCEL ENERGY INC	$221,000	-4.3%	3,543	+1.0%	0.02%	-13.8%
URI	New	UNITED RENTALS INC	$213,000	–	608	–	0.02%	–
ITW	Buy	ILLINOIS TOOL WKS INC	$211,000	-5.8%	1,020	+2.0%	0.02%	-14.3%
EMXC	Sell	ISHARES INCmsci emrg chn	$203,000	-15.8%	3,354	-13.1%	0.02%	-23.3%
VEA	Exit	VANGUARD TAX-MANAGED INTL FDftse dev mkt etf	$0	–	-4,244	–	-0.03%	–

Q2 2021

			Value		Shares		↓ Weighting
SCHD	New	SCHWAB STRATEGIC TRus dividend eq	$230,966,000	–	3,054,303	–	28.97%	–
VYMI	New	VANGUARD WHITEHALL FDSintl high etf	$122,810,000	–	1,806,562	–	15.41%	–
IEMG	New	ISHARES INCcore msci emkt	$82,383,000	–	1,229,788	–	10.34%	–
MUB	New	ISHARES TRnational mun etf	$65,004,000	–	554,645	–	8.16%	–
PULS	New	PGIM ETF TRultra short	$63,277,000	–	1,271,909	–	7.94%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$34,954,000	–	336,190	–	4.38%	–
IVV	New	ISHARES TRcore s&p500 etf	$32,938,000	–	76,614	–	4.13%	–
VOT	New	VANGUARD INDEX FDSmcap gr idxvip	$22,410,000	–	94,817	–	2.81%	–
ESGV	New	VANGUARD WORLD FDesg us stk etf	$20,681,000	–	258,579	–	2.59%	–
QUAL	New	ISHARES TRmsci usa qlt fct	$14,635,000	–	110,145	–	1.84%	–
VSGX	New	VANGUARD WORLD FDesg intl stk etf	$13,411,000	–	209,071	–	1.68%	–
INTF	New	ISHARES TRmsci intl multft	$11,884,000	–	395,470	–	1.49%	–
IEFA	New	ISHARES TRcore msci eafe	$11,704,000	–	156,340	–	1.47%	–
SCHA	New	SCHWAB STRATEGIC TRus sml cap etf	$11,458,000	–	109,982	–	1.44%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$11,049,000	–	280,080	–	1.39%	–
SCHE	New	SCHWAB STRATEGIC TRemrg mkteq etf	$8,599,000	–	261,526	–	1.08%	–
VIOO	New	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$7,106,000	–	34,256	–	0.89%	–
AGG	New	ISHARES TRcore us aggbd et	$5,707,000	–	49,483	–	0.72%	–
VOE	New	VANGUARD INDEX FDSmcap vl idxvip	$2,993,000	–	21,299	–	0.38%	–
VWO	New	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$2,917,000	–	53,718	–	0.37%	–
ESGE	New	ISHARES INCesg awr msci em	$2,070,000	–	45,841	–	0.26%	–
VCSH	New	VANGUARD SCOTTSDALE FDSshrt trm corp bd	$2,023,000	–	24,462	–	0.25%	–
AAPL	New	APPLE INC	$1,650,000	–	12,048	–	0.21%	–
MSFT	New	MICROSOFT CORP	$1,554,000	–	5,736	–	0.20%	–
VUG	New	VANGUARD INDEX FDSgrowth etf	$1,020,000	–	3,558	–	0.13%	–
VOO	New	VANGUARD INDEX FDS	$870,000	–	2,211	–	0.11%	–
MDY	New	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$797,000	–	1,623	–	0.10%	–
AMZN	New	AMAZON COM INC	$640,000	–	186	–	0.08%	–
FSV	New	FIRSTSERVICE CORP NEW	$565,000	–	3,290	–	0.07%	–
GLD	New	SPDR GOLD TR	$541,000	–	3,264	–	0.07%	–
AVNT	New	AVIENT CORPORATION	$519,000	–	10,557	–	0.06%	–
IWF	New	ISHARES TRrus 1000 grw etf	$495,000	–	1,823	–	0.06%	–
SUB	New	ISHARES TRshrt nat mun etf	$434,000	–	4,029	–	0.05%	–
SPY	New	SPDR S&P 500 ETF TRtr unit	$429,000	–	1,003	–	0.05%	–
IJR	New	ISHARES TRcore s&p scp etf	$388,000	–	3,431	–	0.05%	–
VTI	New	VANGUARD INDEX FDStotal stk mkt	$383,000	–	1,721	–	0.05%	–
FB	New	FACEBOOK INCcl a	$348,000	–	1,000	–	0.04%	–
SCHB	New	SCHWAB STRATEGIC TRus brd mkt etf	$340,000	–	3,261	–	0.04%	–
ISTB	New	ISHARES TRcore 1 5 yr usd	$329,000	–	6,420	–	0.04%	–
IWD	New	ISHARES TRrus 1000 val etf	$314,000	–	1,981	–	0.04%	–
VO	New	VANGUARD INDEX FDSmid cap etf	$306,000	–	1,289	–	0.04%	–
UNH	New	UNITEDHEALTH GROUP INC	$306,000	–	764	–	0.04%	–
MA	New	MASTERCARD INCORPORATEDcl a	$292,000	–	801	–	0.04%	–
VYM	New	VANGUARD WHITEHALL FDShigh div yld	$285,000	–	2,721	–	0.04%	–
DIA	New	SPDR DOW JONES INDL AVERAGEut ser 1	$276,000	–	800	–	0.04%	–
PEP	New	PEPSICO INC	$265,000	–	1,786	–	0.03%	–
EXAS	New	EXACT SCIENCES CORP	$261,000	–	2,100	–	0.03%	–
SUSB	New	ISHARES TResg awre 1 5 yr	$256,000	–	9,824	–	0.03%	–
PGR	New	PROGRESSIVE CORP	$247,000	–	1,200	–	0.03%	–
ECL	New	ECOLAB INC	$247,000	–	2,514	–	0.03%	–
EMXC	New	ISHARES INCmsci emrg chn	$241,000	–	3,860	–	0.03%	–
XEL	New	XCEL ENERGY INC	$231,000	–	3,507	–	0.03%	–
IWM	New	ISHARES TRrussell 2000 etf	$229,000	–	1,000	–	0.03%	–
SCHZ	New	SCHWAB STRATEGIC TRus aggregate b	$234,000	–	4,291	–	0.03%	–
ITW	New	ILLINOIS TOOL WKS INC	$224,000	–	1,000	–	0.03%	–
JNJ	New	JOHNSON & JOHNSON	$221,000	–	1,344	–	0.03%	–
VEA	New	VANGUARD TAX-MANAGED INTL FDftse dev mkt etf	$219,000	–	4,244	–	0.03%	–
QQQ	New	INVESCO QQQ TRunit ser 1	$213,000	–	600	–	0.03%	–

Q4 2020

			Value		Shares		↓ Weighting
XEL	Exit	XCEL ENERGY INC	$0	–	-3,235	–	-0.06%	–
EXAS	Exit	EXACT SCIENCES CORP	$0	–	-2,200	–	-0.06%	–
VO	Exit	VANGUARD INDEX FDSmid cap etf	$0	–	-1,289	–	-0.06%	–
SUSB	Exit	ISHARES TResg awre 1 5 yr	$0	–	-8,713	–	-0.06%	–
IWD	Exit	ISHARES TRrus 1000 val etf	$0	–	-1,981	–	-0.06%	–
VYM	Exit	VANGUARD WHITEHALL FDShigh div yld	$0	–	-2,875	–	-0.06%	–
UNH	Exit	UNITEDHEALTH GROUP INC	$0	–	-752	–	-0.06%	–
JNJ	Exit	JOHNSON & JOHNSON	$0	–	-1,594	–	-0.07%	–
SCHZ	Exit	SCHWAB STRATEGIC TRus aggregate b	$0	–	-4,291	–	-0.07%	–
ECL	Exit	ECOLAB INC	$0	–	-1,200	–	-0.07%	–
PGR	Exit	PROGRESSIVE CORP	$0	–	-2,558	–	-0.07%	–
PEP	Exit	PEPSICO INC	$0	–	-1,769	–	-0.07%	–
VZ	Exit	VERIZON COMMUNICATIONS INC	$0	–	-4,129	–	-0.07%	–
VTI	Exit	VANGUARD INDEX FDStotal stk mkt	$0	–	-1,506	–	-0.07%	–
SCHB	Exit	SCHWAB STRATEGIC TRus brd mkt etf	$0	–	-3,201	–	-0.07%	–
IJR	Exit	ISHARES TRcore s&p scp etf	$0	–	-3,659	–	-0.07%	–
MCD	Exit	MCDONALDS CORP	$0	–	-1,182	–	-0.07%	–
MA	Exit	MASTERCARD INCORPORATEDcl a	$0	–	-801	–	-0.08%	–
AVNT	Exit	AVIENT CORPORATION	$0	–	-10,557	–	-0.08%	–
IWM	Exit	ISHARES TRrussell 2000 etf	$0	–	-2,060	–	-0.09%	–
ISTB	Exit	ISHARES TRcore 1 5 yr usd	$0	–	-6,420	–	-0.09%	–
VIG	Exit	VANGUARD SPECIALIZED FUNDSdiv app etf	$0	–	-2,642	–	-0.10%	–
VGSH	Exit	VANGUARD SCOTTSDALE FDSshort term treas	$0	–	-5,685	–	-0.10%	–
IWF	Exit	ISHARES TRrus 1000 grw etf	$0	–	-1,760	–	-0.11%	–
AMZN	Exit	AMAZON COM INC	$0	–	-128	–	-0.11%	–
SH	Exit	PROSHARES TRshort s&p 500 ne	$0	–	-20,420	–	-0.12%	–
FSV	Exit	FIRSTSERVICE CORP NEW	$0	–	-3,290	–	-0.12%	–
VOO	Exit	VANGUARD INDEX FDS	$0	–	-1,625	–	-0.14%	–
FB	Exit	FACEBOOK INCcl a	$0	–	-2,000	–	-0.15%	–
MDY	Exit	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$0	–	-1,623	–	-0.15%	–
GLD	Exit	SPDR GOLD TR	$0	–	-3,824	–	-0.19%	–
VUG	Exit	VANGUARD INDEX FDSgrowth etf	$0	–	-4,074	–	-0.26%	–
MSFT	Exit	MICROSOFT CORP	$0	–	-5,841	–	-0.34%	–
AAPL	Exit	APPLE INC	$0	–	-11,260	–	-0.36%	–
VCSH	Exit	VANGUARD SCOTTSDALE FDSshrt trm corp bd	$0	–	-21,947	–	-0.51%	–
SUB	Exit	ISHARES TRshrt nat mun etf	$0	–	-17,714	–	-0.53%	–
VWO	Exit	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$0	–	-53,825	–	-0.65%	–
VIOO	Exit	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$0	–	-21,285	–	-0.77%	–
SCHE	Exit	SCHWAB STRATEGIC TRemrg mkteq etf	$0	–	-109,795	–	-0.82%	–
AGG	Exit	ISHARES TRcore us aggbd et	$0	–	-33,122	–	-1.09%	–
SCHF	Exit	SCHWAB STRATEGIC TRintl eqty etf	$0	–	-190,741	–	-1.67%	–
IEMG	Exit	ISHARES INCcore msci emkt	$0	–	-113,884	–	-1.68%	–
SCHA	Exit	SCHWAB STRATEGIC TRus sml cap etf	$0	–	-97,663	–	-1.86%	–
IEFA	Exit	ISHARES TRcore msci eafe	$0	–	-123,699	–	-2.08%	–
INTF	Exit	ISHARES TRmsci intl multft	$0	–	-316,896	–	-2.15%	–
QUAL	Exit	ISHARES TRmsci usa qlt fct	$0	–	-94,798	–	-2.74%	–
VSGX	Exit	VANGUARD WORLD FDesg intl stk etf	$0	–	-198,769	–	-2.86%	–
VOT	Exit	VANGUARD INDEX FDSmcap gr idxvip	$0	–	-71,085	–	-3.57%	–
ESGV	Exit	VANGUARD WORLD FDesg us stk etf	$0	–	-258,797	–	-4.46%	–
IVV	Exit	ISHARES TRcore s&p500 etf	$0	–	-53,269	–	-4.99%	–
SCHX	Exit	SCHWAB STRATEGIC TRus lrg cap etf	$0	–	-296,013	–	-6.66%	–
MUB	Exit	ISHARES TRnational mun etf	$0	–	-731,763	–	-23.66%	–
SCHD	Exit	SCHWAB STRATEGIC TRus dividend eq	$0	–	-2,173,208	–	-33.52%	–

Q3 2020

			Value		Shares		↓ Weighting
SCHD	Buy	SCHWAB STRATEGIC TRus dividend eq	$120,178,000	+592.9%	2,173,208	+548.4%	33.52%	+412.8%
MUB	Sell	ISHARES TRnational mun etf	$84,833,000	-16.2%	731,763	-16.6%	23.66%	-38.0%
SCHX	Sell	SCHWAB STRATEGIC TRus lrg cap etf	$23,868,000	+4.9%	296,013	-3.6%	6.66%	-22.4%
IVV	Buy	ISHARES TRcore s&p500 etf	$17,902,000	+8.6%	53,269	+0.1%	4.99%	-19.6%
ESGV	Sell	VANGUARD WORLD FDesg us stk etf	$15,996,000	+5.0%	258,797	-4.2%	4.46%	-22.3%
VOT	Buy	VANGUARD INDEX FDSmcap gr idxvip	$12,805,000	+15.2%	71,085	+5.6%	3.57%	-14.7%
VSGX	Sell	VANGUARD WORLD FDesg intl stk etf	$10,256,000	+4.5%	198,769	-2.5%	2.86%	-22.6%
QUAL	Buy	ISHARES TRmsci usa qlt fct	$9,834,000	+9.4%	94,798	+1.2%	2.74%	-19.0%
INTF	Buy	ISHARES TRmsci intl multft	$7,701,000	+9.0%	316,896	+2.8%	2.15%	-19.4%
IEFA	Buy	ISHARES TRcore msci eafe	$7,457,000	+12.9%	123,699	+7.1%	2.08%	-16.4%
SCHA	Buy	SCHWAB STRATEGIC TRus sml cap etf	$6,672,000	+11.8%	97,663	+6.9%	1.86%	-17.3%
IEMG	Buy	ISHARES INCcore msci emkt	$6,013,000	+20.8%	113,884	+8.9%	1.68%	-10.6%
SCHF	Buy	SCHWAB STRATEGIC TRintl eqty etf	$5,989,000	+6.0%	190,741	+0.5%	1.67%	-21.5%
AGG	Sell	ISHARES TRcore us aggbd et	$3,910,000	-11.2%	33,122	-11.1%	1.09%	-34.2%
SCHE	Sell	SCHWAB STRATEGIC TRemrg mkteq etf	$2,938,000	-44.0%	109,795	-49.1%	0.82%	-58.5%
VIOO	Buy	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$2,749,000	+5.7%	21,285	+2.5%	0.77%	-21.7%
SUB	Sell	ISHARES TRshrt nat mun etf	$1,915,000	-48.9%	17,714	-49.0%	0.53%	-62.2%
VCSH	Buy	VANGUARD SCOTTSDALE FDSshrt trm corp bd	$1,818,000	+7.4%	21,947	+7.2%	0.51%	-20.5%
AAPL	Buy	APPLE INC	$1,304,000	+12.3%	11,260	+253.8%	0.36%	-16.9%
MSFT	Sell	MICROSOFT CORP	$1,229,000	-2.8%	5,841	-5.9%	0.34%	-27.9%
VUG	Sell	VANGUARD INDEX FDSgrowth etf	$927,000	+12.1%	4,074	-0.4%	0.26%	-17.0%
VOO	Sell	VANGUARD INDEX FDS	$500,000	-2.3%	1,625	-10.1%	0.14%	-28.0%
SH	New	PROSHARES TRshort s&p 500 ne	$415,000	–	20,420	–	0.12%	–
AMZN	Sell	AMAZON COM INC	$403,000	+6.6%	128	-6.6%	0.11%	-21.1%
VGSH	Sell	VANGUARD SCOTTSDALE FDSshort term treas	$353,000	-0.3%	5,685	-0.1%	0.10%	-26.3%
VIG	Sell	VANGUARD SPECIALIZED FUNDSdiv app etf	$340,000	-2.6%	2,642	-11.4%	0.10%	-28.0%
IWM	Sell	ISHARES TRrussell 2000 etf	$309,000	-16.5%	2,060	-20.2%	0.09%	-38.1%
AVNT	New	AVIENT CORPORATION	$279,000	–	10,557	–	0.08%	–
IJR	Buy	ISHARES TRcore s&p scp etf	$257,000	+3.2%	3,659	+0.5%	0.07%	-23.4%
VTI	Sell	VANGUARD INDEX FDStotal stk mkt	$256,000	-46.1%	1,506	-50.4%	0.07%	-60.3%
VZ	New	VERIZON COMMUNICATIONS INC	$246,000	–	4,129	–	0.07%	–
PEP	Buy	PEPSICO INC	$245,000	+17.2%	1,769	+11.7%	0.07%	-13.9%
ECL	Sell	ECOLAB INC	$240,000	-3.6%	1,200	-4.0%	0.07%	-28.7%
JNJ	Buy	JOHNSON & JOHNSON	$237,000	+16.2%	1,594	+9.6%	0.07%	-14.3%
VO	Sell	VANGUARD INDEX FDSmid cap etf	$227,000	+5.1%	1,289	-2.1%	0.06%	-22.2%
SUSB	Buy	ISHARES TResg awre 1 5 yr	$227,000	+5.1%	8,713	+5.0%	0.06%	-22.2%
EXAS	New	EXACT SCIENCES CORP	$224,000	–	2,200	–	0.06%	–
XEL	New	XCEL ENERGY INC	$223,000	–	3,235	–	0.06%	–
VEA	Exit	VANGUARD TAX-MANAGED FDSftse dev mkt etf	$0	–	-5,398	–	-0.08%	–
POL	Exit	POLYONE CORP	$0	–	-10,557	–	-0.10%	–
IRET	Exit	INVESTORS REAL ESTATE TRUSTsh ben int	$0	–	-4,385	–	-0.12%	–

Q2 2020

			Value		Shares		↓ Weighting
MUB	New	ISHARES TRnational mun etf	$101,248,000	–	877,369	–	38.16%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$22,751,000	–	307,036	–	8.58%	–
SCHD	New	SCHWAB STRATEGIC TRus dividend eq	$17,344,000	–	335,159	–	6.54%	–
IVV	New	ISHARES TRcore s&p500 etf	$16,486,000	–	53,235	–	6.21%	–
ESGV	New	VANGUARD WORLD FDesg us stk etf	$15,239,000	–	270,249	–	5.74%	–
VOT	New	VANGUARD INDEX FDSmcap gr idxvip	$11,117,000	–	67,341	–	4.19%	–
VSGX	New	VANGUARD WORLD FD ESGintl stk etf	$9,810,000	–	203,949	–	3.70%	–
QUAL	New	ISHARES TRusa quality fctr	$8,987,000	–	93,695	–	3.39%	–
INTF	New	ISHARES TRmultifactor intl	$7,068,000	–	308,389	–	2.66%	–
IEFA	New	ISHARES TRcore msci eafe	$6,604,000	–	115,541	–	2.49%	–
SCHA	New	SCHWAB STRATEGIC TRus sml cap etf	$5,969,000	–	91,357	–	2.25%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$5,648,000	–	189,836	–	2.13%	–
SCHE	New	SCHWAB STRATEGIC TRemrg mkteq etf	$5,248,000	–	215,500	–	1.98%	–
IEMG	New	ISHARES INCcore msci emkt	$4,976,000	–	104,542	–	1.88%	–
AGG	New	ISHARES TRcore us aggbd et	$4,402,000	–	37,241	–	1.66%	–
SUB	New	ISHARES TRshrt nat mun etf	$3,746,000	–	34,726	–	1.41%	–
VIOO	New	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$2,600,000	–	20,775	–	0.98%	–
VWO	New	VANGUARD INTL EQUITY INDEX Fftse emr mkt etf	$2,132,000	–	53,825	–	0.80%	–
VCSH	New	VANGUARD SCOTTSDALE FDS SHRT TRMcorp bd	$1,693,000	–	20,476	–	0.64%	–
MSFT	New	MICROSOFT CORP	$1,264,000	–	6,209	–	0.48%	–
AAPL	New	APPLE INC	$1,161,000	–	3,183	–	0.44%	–
VUG	New	VANGUARD INDEX FDSgrowth etf	$827,000	–	4,091	–	0.31%	–
GLD	New	SPDR GOLD TR	$640,000	–	3,824	–	0.24%	–
MDY	New	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$527,000	–	1,623	–	0.20%	–
VOO	New	VANGUARD INDEX FDS	$512,000	–	1,807	–	0.19%	–
VTI	New	VANGUARD INDEX FDStotal stk mkt	$475,000	–	3,036	–	0.18%	–
FB	New	FACEBOOK INCcl a	$454,000	–	2,000	–	0.17%	–
AMZN	New	AMAZON COM INC	$378,000	–	137	–	0.14%	–
IWM	New	ISHARES TRrussell 2000 etf	$370,000	–	2,581	–	0.14%	–
VGSH	New	VANGUARD SCOTTSDALE FDSshort term treas	$354,000	–	5,689	–	0.13%	–
VIG	New	VANGUARD SPECIALIZED FUNDSdiv app etf	$349,000	–	2,982	–	0.13%	–
IWF	New	ISHARES TRrus 1000 grw etf	$338,000	–	1,760	–	0.13%	–
FSV	New	FIRSTSERVICE CORP NEW	$331,000	–	3,290	–	0.12%	–
ISTB	New	ISHARES TRcore 1 5 yr usd	$330,000	–	6,420	–	0.12%	–
IRET	New	INVESTORS REAL ESTATE TRUSTsh ben int	$310,000	–	4,385	–	0.12%	–
POL	New	POLYONE CORP	$277,000	–	10,557	–	0.10%	–
IJR	New	ISHARES TR COREs&p scp etf	$249,000	–	3,642	–	0.09%	–
ECL	New	ECOLAB INC	$249,000	–	1,250	–	0.09%	–
SCHZ	New	SCHWAB STRATEGIC TRus aggregate b	$241,000	–	4,291	–	0.09%	–
SCHB	New	SCHWAB STRATEGIC TRus brd mkt etf	$235,000	–	3,201	–	0.09%	–
MA	New	MASTERCARD INCORPORATEDcl a	$237,000	–	801	–	0.09%	–
VYM	New	VANGUARD WHITEHALL FDShigh div yld	$226,000	–	2,875	–	0.08%	–
IWD	New	ISHARES TRrus 1000 val etf	$223,000	–	1,981	–	0.08%	–
UNH	New	UNITEDHEALTH GROUP INC	$222,000	–	752	–	0.08%	–
MCD	New	MCDONALDS CORP	$218,000	–	1,182	–	0.08%	–
VO	New	VANGUARD INDEX FDSmid cap etf	$216,000	–	1,316	–	0.08%	–
SUSB	New	ISHARES TResg awre 1 5 yr	$216,000	–	8,301	–	0.08%	–
VEA	New	VANGUARD TAX-MANAGED FDSftse dev mkt etf	$209,000	–	5,398	–	0.08%	–
PEP	New	PEPSICO INC	$209,000	–	1,584	–	0.08%	–
JNJ	New	JOHNSON & JOHNSON	$204,000	–	1,454	–	0.08%	–
PGR	New	PROGRESSIVE CORP OHIO	$205,000	–	2,558	–	0.08%	–

Q4 2019

			Value		Shares		↓ Weighting
F	Exit	FORD MTR CO DEL	$0	–	-11,000	–	-0.04%	–
MA	Exit	MASTERCARD INCcl a	$0	–	-801	–	-0.08%	–
JPM	Exit	JPMORGAN CHASE & CO	$0	–	-1,907	–	-0.08%	–
JNJ	Exit	JOHNSON & JOHNSON	$0	–	-1,745	–	-0.08%	–
PEP	Exit	PEPSICO INC	$0	–	-1,659	–	-0.08%	–
IWM	Exit	ISHARES TRrussell 2000 etf	$0	–	-1,495	–	-0.08%	–
AMZN	Exit	AMAZON COM INC	$0	–	-132	–	-0.09%	–
SCHZ	Exit	SCHWAB STRATEGIC TRus aggregate b	$0	–	-4,291	–	-0.09%	–
ECL	Exit	ECOLAB INC	$0	–	-1,200	–	-0.09%	–
SCHB	Exit	SCHWAB STRATEGIC TRus brd mkt etf	$0	–	-3,409	–	-0.09%	–
VYM	Exit	VANGUARD WHITEHALL FDS INChigh div yld	$0	–	-2,933	–	-0.10%	–
RY	Exit	ROYAL BK CDA MONTREAL QUE	$0	–	-3,700	–	-0.11%	–
IWF	Exit	ISHARES TRrus 1000 grw etf	$0	–	-1,999	–	-0.12%	–
VIG	Exit	VANGUARD GROUP DIV APPetf	$0	–	-2,697	–	-0.12%	–
VGSH	Exit	VANGUARD SCOTTSDALE FDSshort term treas	$0	–	-5,285	–	-0.12%	–
FSV	Exit	FIRSTSERVICE CORP NEW	$0	–	-3,290	–	-0.13%	–
IWD	Exit	ISHARES TR RUS 1000 VALetf	$0	–	-2,645	–	-0.13%	–
VTI	Exit	VANGUARD INDEX FDStotal stk mkt	$0	–	-2,243	–	-0.13%	–
IJR	Exit	ISHARES TRcore s&p scp etf	$0	–	-4,458	–	-0.13%	–
FIS	Exit	FIDELITY NATL INFORMATION SV	$0	–	-2,918	–	-0.14%	–
VOO	Exit	VANGUARD INDEX FDS	$0	–	-1,463	–	-0.15%	–
EFA	Exit	ISHARES TRmsci eafe etf	$0	–	-6,690	–	-0.16%	–
GLD	Exit	SPDR GOLD TRUST GOLD	$0	–	-3,824	–	-0.20%	–
MDY	Exit	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$0	–	-1,623	–	-0.22%	–
AAPL	Exit	APPLE INC	$0	–	-2,588	–	-0.22%	–
VEA	Exit	VANGUARD TAX MANAGED INTL FDftse dev mkt etf	$0	–	-21,567	–	-0.33%	–
MSFT	Exit	MICROSOFT CORP	$0	–	-6,492	–	-0.34%	–
VUG	Exit	VANGUARD INDEX FDSgrowth etf	$0	–	-5,628	–	-0.35%	–
FLRN	Exit	SPDR SERIES TRUSTblomberg brc inv	$0	–	-36,853	–	-0.43%	–
SCHE	Exit	SCHWAB STRATEGIC TRemrg mkteq etf	$0	–	-89,568	–	-0.84%	–
AGG	Exit	ISHARES TRcore us aggbd et	$0	–	-22,249	–	-0.95%	–
VWO	Exit	VANGUARD INTL EQUITY INDEX F FTSEemr mkt etf	$0	–	-67,929	–	-1.03%	–
VIOO	Exit	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$0	–	-21,535	–	-1.15%	–
INTF	Exit	ISHARES TRmultifactor intl	$0	–	-122,337	–	-1.17%	–
VOT	Exit	VANGUARD INDEX FDSmcap gr idxvip	$0	–	-21,671	–	-1.21%	–
SCHF	Exit	SCHWAB STRATEGIC TRintl eqty etf	$0	–	-101,805	–	-1.22%	–
VSGX	Exit	VANGUARD WORLD FDesg intl stk etf	$0	–	-78,542	–	-1.45%	–
EZM	Exit	WISDOMTREE TRus midcap fund	$0	–	-109,794	–	-1.63%	–
ISTB	Exit	ISHARES TRcore 1 5 yr usd	$0	–	-87,043	–	-1.65%	–
QUAL	Exit	ISHARES TRusa quality fctr	$0	–	-58,933	–	-2.04%	–
ESGV	Exit	VANGUARD WORLD FDesg us stk etf	$0	–	-114,214	–	-2.23%	–
SCHX	Exit	SCHWAB STRATEGIC TRus lrg cap etf	$0	–	-93,501	–	-2.49%	–
VLUE	Exit	ISHARES TR EDGE MSCIusa vl	$0	–	-86,209	–	-2.66%	–
IVV	Exit	ISHARES TRcore s&p500 etf	$0	–	-48,908	–	-5.48%	–
IEMG	Exit	ISHARES INCcore msci emkt	$0	–	-746,509	–	-13.74%	–
MUB	Exit	ISHARES TRnational mun etf	$0	–	-1,274,607	–	-54.62%	–

Q3 2019

			Value		Shares		↓ Weighting
MUB	Sell	ISHARES TRnational mun etf	$145,433,000	-0.2%	1,274,607	-1.0%	54.62%	-3.9%
IEMG	Sell	ISHARES INCcore msci emkt	$36,594,000	-6.8%	746,509	-2.2%	13.74%	-10.2%
IVV	Buy	ISHARES TRcore s&p500 etf	$14,600,000	+4.6%	48,908	+3.3%	5.48%	+0.7%
VLUE	Buy	ISHARES TR EDGE MSCIusa vl	$7,073,000	+5.6%	86,209	+4.5%	2.66%	+1.6%
SCHX	Sell	SCHWAB STRATEGIC TRus lrg cap etf	$6,632,000	-11.7%	93,501	-12.6%	2.49%	-15.0%
ESGV	New	VANGUARD WORLD FDesg us stk etf	$5,929,000	–	114,214	–	2.23%	–
QUAL	Buy	ISHARES TRusa quality fctr	$5,445,000	+5.6%	58,933	+4.5%	2.04%	+1.7%
ISTB	Buy	ISHARES TRcore 1 5 yr usd	$4,395,000	+20.2%	87,043	+20.1%	1.65%	+15.8%
EZM	Buy	WISDOMTREE TRus midcap fund	$4,330,000	+3.5%	109,794	+5.0%	1.63%	-0.4%
VSGX	New	VANGUARD WORLD FDesg intl stk etf	$3,871,000	–	78,542	–	1.45%	–
SCHF	Buy	SCHWAB STRATEGIC TRintl eqty etf	$3,244,000	+3.9%	101,805	+4.6%	1.22%	0.0%
VOT	Buy	VANGUARD INDEX FDSmcap gr idxvip	$3,210,000	+3.5%	21,671	+4.3%	1.21%	-0.3%
INTF	Buy	ISHARES TRmultifactor intl	$3,120,000	+1.4%	122,337	+4.4%	1.17%	-2.3%
VIOO	Buy	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$3,072,000	+3.7%	21,535	+3.8%	1.15%	-0.2%
VWO	Sell	VANGUARD INTL EQUITY INDEX F FTSEemr mkt etf	$2,735,000	-6.2%	67,929	-0.9%	1.03%	-9.7%
AGG	Buy	ISHARES TRcore us aggbd et	$2,518,000	+1.7%	22,249	+0.0%	0.95%	-2.1%
SCHE	Buy	SCHWAB STRATEGIC TRemrg mkteq etf	$2,251,000	-0.1%	89,568	+4.3%	0.84%	-3.9%
FLRN	Buy	SPDR SERIES TRUSTblomberg brc inv	$1,134,000	+11.7%	36,853	+11.5%	0.43%	+7.6%
VUG	Buy	VANGUARD INDEX FDSgrowth etf	$936,000	+21.7%	5,628	+19.6%	0.35%	+17.3%
VEA	Buy	VANGUARD TAX MANAGED INTL FDftse dev mkt etf	$886,000	+0.7%	21,567	+2.2%	0.33%	-2.9%
AAPL	Buy	APPLE INC	$580,000	+16.2%	2,588	+2.6%	0.22%	+11.8%
MDY	Buy	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$572,000	+2.5%	1,623	+3.2%	0.22%	-1.4%
EFA	Buy	ISHARES TRmsci eafe etf	$436,000	+0.9%	6,690	+1.9%	0.16%	-3.0%
FIS	New	FIDELITY NATL INFORMATION SV	$387,000	–	2,918	–	0.14%	–
VTI	Buy	VANGUARD INDEX FDStotal stk mkt	$339,000	+3.0%	2,243	+2.4%	0.13%	-0.8%
IWD	Sell	ISHARES TR RUS 1000 VALetf	$339,000	-0.9%	2,645	-1.6%	0.13%	-4.5%
VGSH	New	VANGUARD SCOTTSDALE FDSshort term treas	$322,000	–	5,285	–	0.12%	–
IWF	Sell	ISHARES TRrus 1000 grw etf	$319,000	+1.3%	1,999	-0.1%	0.12%	-2.4%
VYM	Sell	VANGUARD WHITEHALL FDS INChigh div yld	$260,000	-9.4%	2,933	-10.7%	0.10%	-12.5%
SCHB	New	SCHWAB STRATEGIC TRus brd mkt etf	$242,000	–	3,409	–	0.09%	–
SCHZ	New	SCHWAB STRATEGIC TRus aggregate b	$231,000	–	4,291	–	0.09%	–
AMZN	Buy	AMAZON COM INC	$229,000	+2.7%	132	+11.9%	0.09%	-1.1%
PEP	New	PEPSICO INC	$227,000	–	1,659	–	0.08%	–
JNJ	Sell	JOHNSON & JOHNSON	$226,000	-10.0%	1,745	-3.2%	0.08%	-13.3%
IWM	Buy	ISHARES TRrussell 2000 etf	$226,000	+0.4%	1,495	+3.1%	0.08%	-3.4%
F	New	FORD MTR CO DEL	$101,000	–	11,000	–	0.04%	–
SCHA	Exit	SCHWAB STRATEGIC TRus sml cap etf	$0	–	-1,688	–	-0.05%	–
PGR	Exit	PROGRESSIVE CORP OHIO	$0	–	-2,558	–	-0.08%	–
EXAS	Exit	EXACT SCIENCES CORP	$0	–	-1,900	–	-0.09%	–

Q2 2019

			Value		Shares		↓ Weighting
MUB	New	ISHARES TRnational mun etf	$145,660,000	–	1,288,003	–	56.82%	–
IEMG	New	ISHARES INCcore msci emkt	$39,251,000	–	763,035	–	15.31%	–
IVV	New	ISHARES TRcore s&p500 etf	$13,953,000	–	47,339	–	5.44%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$7,511,000	–	107,003	–	2.93%	–
VLUE	New	ISHARES TRedge msci usa vl	$6,698,000	–	82,498	–	2.61%	–
QUAL	New	ISHARES TRusa quality fctr	$5,156,000	–	56,370	–	2.01%	–
EZM	New	WISDOMTREE TRus midcap fund	$4,184,000	–	104,594	–	1.63%	–
ISTB	New	ISHARES TRcore 1 5 yr usd	$3,655,000	–	72,485	–	1.43%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$3,123,000	–	97,350	–	1.22%	–
VOT	New	VANGUARD INDEX FDSmcap gr idxvip	$3,101,000	–	20,770	–	1.21%	–
INTF	New	ISHARES TRmultifactor intl	$3,076,000	–	117,132	–	1.20%	–
VIOO	New	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$2,963,000	–	20,738	–	1.16%	–
VWO	New	VANGUARD INTL EQUITY INDEX F FTSEemr mkt etf	$2,915,000	–	68,529	–	1.14%	–
AGG	New	ISHARES TRcore us aggbd et	$2,476,000	–	22,239	–	0.97%	–
SCHE	New	SCHWAB STRATEGIC TRemrg mkteq etf	$2,253,000	–	85,883	–	0.88%	–
FLRN	New	SPDR SERIES TRUSTblomberg brc inv	$1,015,000	–	33,038	–	0.40%	–
VEA	New	VANGUARD TAX MANAGED INTL FDftse dev mkt etf	$880,000	–	21,106	–	0.34%	–
MSFT	New	MICROSOFT CORP	$870,000	–	6,492	–	0.34%	–
VUG	New	VANGUARD INDEX FDSgrowth etf	$769,000	–	4,707	–	0.30%	–
MDY	New	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$558,000	–	1,573	–	0.22%	–
GLD	New	SPDR GOLD TRUST	$509,000	–	3,824	–	0.20%	–
AAPL	New	APPLE INC	$499,000	–	2,522	–	0.20%	–
EFA	New	ISHARES TRmsci eafe etf	$432,000	–	6,567	–	0.17%	–
VOO	New	VANGUARD INDEX FDS	$394,000	–	1,463	–	0.15%	–
IJR	New	ISHARES TRcore s&p scp etf	$349,000	–	4,458	–	0.14%	–
IWD	New	ISHARES TRrus 1000 val etf	$342,000	–	2,688	–	0.13%	–
VTI	New	VANGUARD INDEX FDStotal stk mkt	$329,000	–	2,191	–	0.13%	–
FSV	New	FIRSTSERVICE CORP NEW	$317,000	–	3,290	–	0.12%	–
IWF	New	ISHARES TRrus 1000 grw etf	$315,000	–	2,002	–	0.12%	–
VIG	New	VANGUARD GROUPdiv app etf	$311,000	–	2,697	–	0.12%	–
RY	New	ROYAL BK CDA MONTREAL QUE	$294,000	–	3,700	–	0.12%	–
VYM	New	VANGUARD WHITEHALL FDS INChigh div yld	$287,000	–	3,285	–	0.11%	–
JNJ	New	JOHNSON & JOHNSON	$251,000	–	1,802	–	0.10%	–
ECL	New	ECOLAB INC	$237,000	–	1,200	–	0.09%	–
IWM	New	ISHARES TRrussell 2000 etf	$225,000	–	1,450	–	0.09%	–
AMZN	New	AMAZON COM INC	$223,000	–	118	–	0.09%	–
EXAS	New	EXACT SCIENCES CORP	$224,000	–	1,900	–	0.09%	–
JPM	New	JPMORGAN CHASE & CO	$213,000	–	1,907	–	0.08%	–
MA	New	MASTERCARD INCcl a	$212,000	–	801	–	0.08%	–
PGR	New	PROGRESSIVE CORP OHIO	$204,000	–	2,558	–	0.08%	–
SCHA	New	SCHWAB STRATEGIC TRus sml cap etf	$121,000	–	1,688	–	0.05%	–

Q4 2018

			Value		Shares		↓ Weighting
PUTW	Exit	WISDOMTREE TR CBOE S&P 500cboe s&p 500	$0	–	-6,712	–	-0.09%	–
VEA	Exit	VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETFdev mkt etf	$0	–	-4,796	–	-0.09%	–
EFA	Exit	ISHARES TRmsci eafe etf	$0	–	-3,394	–	-0.10%	–
IWM	Exit	ISHARES TRrussell 2000 etf	$0	–	-1,441	–	-0.11%	–
AMZN	Exit	AMAZON COM INC	$0	–	-124	–	-0.11%	–
IWF	Exit	ISHARES TR RUS 1000 GRWetf	$0	–	-1,686	–	-0.12%	–
SHYD	Exit	VANECK VECTORS ETF TR SHORT HIGH YIELDshort high yield	$0	–	-11,190	–	-0.12%	–
FSV	Exit	FIRSTSERVICE CORPnew sub vtg sh	$0	–	-3,290	–	-0.12%	–
VIG	Exit	VANGUARD GROUP DIV APPetf	$0	–	-2,601	–	-0.13%	–
RY	Exit	ROYAL BK CDA MONTREAL QUE	$0	–	-4,000	–	-0.14%	–
JNJ	Exit	JOHNSON & JOHNSON	$0	–	-2,319	–	-0.14%	–
IWD	Exit	ISHARES TR RUS 1000 VALetf	$0	–	-2,608	–	-0.14%	–
EXAS	Exit	EXACT SCIENCES CORP COM	$0	–	-4,900	–	-0.17%	–
IJR	Exit	ISHARES TR CORE S&P SCP ETFetf	$0	–	-5,035	–	-0.19%	–
GLD	Exit	SPDR GOLD TRUST	$0	–	-3,924	–	-0.19%	–
SRLN	Exit	SSGA ACTIVE ETF TR BLKSTN GSOSRLNblkstn gsosrln	$0	–	-9,897	–	-0.20%	–
VOO	Exit	VANGUARD INDEX FDS	$0	–	-1,836	–	-0.21%	–
AAPL	Exit	APPLE INC	$0	–	-2,450	–	-0.24%	–
MDY	Exit	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$0	–	-1,884	–	-0.30%	–
MSFT	Exit	MICROSOFT CORP COM	$0	–	-6,418	–	-0.32%	–
AGG	Exit	ISHARES TR CORE US AGGBD ETcore us aggbd et	$0	–	-7,314	–	-0.34%	–
SUB	Exit	ISHARES TR SHRT NAT MUN ETFshrt nat mun etf	$0	–	-7,773	–	-0.36%	–
ISTB	Exit	ISHARES TR CORE 1 5 YR USDcore 1 5 yr usd	$0	–	-16,670	–	-0.36%	–
VUG	Exit	VANGUARD INDEX FDS GROWTH ETFetf	$0	–	-5,232	–	-0.37%	–
SCHE	Exit	SCHWAB STRATEGIC TR EMRG MKTEQ ETFemrg mkteq etf	$0	–	-49,799	–	-0.56%	–
VOT	Exit	VANGUARD INDEX FDS MCAP GR IDXVIPmcap gr idxvip	$0	–	-10,375	–	-0.65%	–
VIOO	Exit	VANGUARD ADMIRAL FDS INC SMLLCP 600 IDXsmllcp 600 idx	$0	–	-9,506	–	-0.66%	–
INTF	Exit	ISHARES TRmultifactor intl	$0	–	-58,638	–	-0.72%	–
SCHF	Exit	SCHWAB STRATEGIC TRintl eqty etf	$0	–	-51,251	–	-0.75%	–
PDBC	Exit	INVESCO ACTIVELY MANAGD ETFoptimum yield	$0	–	-92,716	–	-0.76%	–
EZM	Exit	WISDOMTREE TR US MIDCP EARNINGus midcp earning	$0	–	-49,911	–	-0.90%	–
QUAL	Exit	ISHARES TR USA QUALITY FCTRtr usa quality fctr	$0	–	-26,029	–	-1.03%	–
VLUE	Exit	ISHARES TR EDGE MSCI USA VLedge msci usa vl	$0	–	-42,650	–	-1.64%	–
SCHX	Exit	SCHWAB STRATEGIC TRus lrg cap etf	$0	–	-82,679	–	-2.52%	–
IVV	Exit	ISHARES TR CORE S&P500 ETFcore s&p500 etf	$0	–	-20,222	–	-2.59%	–
IEMG	Exit	ISHARES INCcore msci emkt	$0	–	-944,429	–	-21.39%	–
MLPX	Exit	GLOBAL X FDSglb x mlp enrg i	$0	–	-3,950,946	–	-23.09%	–
FLRN	Exit	SPDR SER TRblomberg brc inv	$0	–	-2,827,076	–	-38.08%	–

Q3 2018

			Value		Shares		↓ Weighting
FLRN	Sell	SPDR SER TRblomberg brc inv	$87,046,000	-59.9%	2,827,076	-59.9%	38.08%	-28.8%
MLPX	Sell	GLOBAL X FDSglb x mlp enrg i	$52,785,000	+0.3%	3,950,946	-0.0%	23.09%	+77.9%
IEMG	Sell	ISHARES INCcore msci emkt	$48,903,000	-50.5%	944,429	-49.8%	21.39%	-12.2%
IVV	Buy	ISHARES TR CORE S&P500 ETFcore s&p500 etf	$5,920,000	+19.0%	20,222	+11.0%	2.59%	+111.1%
SCHX	Sell	SCHWAB STRATEGIC TRus lrg cap etf	$5,751,000	+4.7%	82,679	-2.2%	2.52%	+85.7%
VLUE	Buy	ISHARES TR EDGE MSCI USA VLedge msci usa vl	$3,747,000	+21.3%	42,650	+14.0%	1.64%	+115.1%
QUAL	Buy	ISHARES TR USA QUALITY FCTRtr usa quality fctr	$2,352,000	+23.7%	26,029	+14.3%	1.03%	+119.4%
EZM	Buy	WISDOMTREE TR US MIDCP EARNINGus midcp earning	$2,064,000	+14.0%	49,911	+10.7%	0.90%	+102.5%
PDBC	New	INVESCO ACTIVELY MANAGD ETFoptimum yield	$1,740,000	–	92,716	–	0.76%	–
SCHF	Buy	SCHWAB STRATEGIC TRintl eqty etf	$1,718,000	+13.5%	51,251	+11.9%	0.75%	+101.6%
INTF	Buy	ISHARES TRmultifactor intl	$1,647,000	+11.8%	58,638	+10.0%	0.72%	+98.3%
VIOO	Buy	VANGUARD ADMIRAL FDS INC SMLLCP 600 IDXsmllcp 600 idx	$1,516,000	+14.1%	9,506	+9.0%	0.66%	+102.1%
VOT	Buy	VANGUARD INDEX FDS MCAP GR IDXVIPmcap gr idxvip	$1,478,000	+16.0%	10,375	+9.4%	0.65%	+106.1%
SCHE	Buy	SCHWAB STRATEGIC TR EMRG MKTEQ ETFemrg mkteq etf	$1,280,000	+6.8%	49,799	+7.5%	0.56%	+89.2%
ISTB	Buy	ISHARES TR CORE 1 5 YR USDcore 1 5 yr usd	$817,000	+15.1%	16,670	+15.2%	0.36%	+104.0%
SUB	Sell	ISHARES TR SHRT NAT MUN ETFshrt nat mun etf	$814,000	-29.8%	7,773	-29.6%	0.36%	+24.5%
AGG	Buy	ISHARES TR CORE US AGGBD ETcore us aggbd et	$772,000	+3.8%	7,314	+4.5%	0.34%	+83.7%
MSFT	Sell	MICROSOFT CORP COM	$734,000	+15.8%	6,418	-0.2%	0.32%	+105.8%
VOO	Sell	VANGUARD INDEX FDS	$490,000	-0.6%	1,836	-7.0%	0.21%	+75.4%
SRLN	Sell	SSGA ACTIVE ETF TR BLKSTN GSOSRLNblkstn gsosrln	$469,000	-7.9%	9,897	-8.6%	0.20%	+62.7%
GLD	Sell	SPDR GOLD TRUST	$442,000	-68.0%	3,924	-66.3%	0.19%	-43.4%
VIG	Sell	VANGUARD GROUP DIV APPetf	$288,000	-28.4%	2,601	-34.3%	0.13%	+27.3%
IWF	Sell	ISHARES TR RUS 1000 GRWetf	$263,000	-2.6%	1,686	-10.3%	0.12%	+71.6%
AMZN	Sell	AMAZON COM INC	$248,000	+15.9%	124	-1.6%	0.11%	+103.8%
EFA	Sell	ISHARES TRmsci eafe etf	$231,000	-2.5%	3,394	-3.9%	0.10%	+74.1%
VEA	Sell	VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETFdev mkt etf	$208,000	-16.1%	4,796	-16.9%	0.09%	+49.2%
PUTW	Sell	WISDOMTREE TR CBOE S&P 500cboe s&p 500	$206,000	+1.5%	6,712	-2.6%	0.09%	+80.0%
NYCB	Exit	NEW YORK CMNTY BANCORP INC	$0	–	-15,200	–	-0.04%	–
FB	Exit	FACEBOOK INCcl a	$0	–	-1,090	–	-0.05%	–
PEP	Exit	PEPSICO INC	$0	–	-2,021	–	-0.05%	–
VYM	Exit	VANGUARD WHITEHALL FDS INChigh div yld	$0	–	-3,053	–	-0.06%	–
MUB	Exit	ISHARES TRnational mun etf	$0	–	-7,372	–	-0.20%	–

Q2 2018

			Value		Shares		↓ Weighting
FLRN	New	SPDR SER TRblomberg brc inv	$216,849,000	–	7,051,994	–	53.48%	–
IEMG	New	ISHARES INCcore msci emkt	$98,772,000	–	1,881,018	–	24.36%	–
MLPX	New	GLOBAL X FDSglb x mlp enrg i	$52,628,000	–	3,951,032	–	12.98%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$5,493,000	–	84,524	–	1.36%	–
IVV	New	ISHARES TRcore s&p500 etf	$4,974,000	–	18,215	–	1.23%	–
VLUE	New	ISHARES TRedge msci usa vl	$3,090,000	–	37,403	–	0.76%	–
QUAL	New	ISHARES TRusa quality fctr	$1,901,000	–	22,780	–	0.47%	–
EZM	New	WISDOMTREE TRus midcp earning	$1,810,000	–	45,069	–	0.45%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$1,514,000	–	45,805	–	0.37%	–
INTF	New	ISHARES TRmultifactor intl	$1,473,000	–	53,316	–	0.36%	–
GLD	New	SPDR GOLD TRUST	$1,382,000	–	11,651	–	0.34%	–
VIOO	New	VANGUARD ADMIRAL FDS INCsmllcp 600 idx	$1,329,000	–	8,721	–	0.33%	–
VOT	New	VANGUARD INDEX FDSmcap gr idxvip	$1,274,000	–	9,480	–	0.31%	–
SCHE	New	SCHWAB STRATEGIC TRemrg mkteq etf	$1,199,000	–	46,320	–	0.30%	–
SUB	New	ISHARES TRshrt nat mun etf	$1,160,000	–	11,044	–	0.29%	–
MUB	New	ISHARES TRnational mun etf	$804,000	–	7,372	–	0.20%	–
VUG	New	VANGUARD INDEX FDSgrowth etf	$784,000	–	5,232	–	0.19%	–
AGG	New	ISHARES TRcore us aggbd et	$744,000	–	6,997	–	0.18%	–
ISTB	New	ISHARES TRcore 1 5 yr usd	$710,000	–	14,465	–	0.18%	–
MDY	New	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$669,000	–	1,884	–	0.16%	–
MSFT	New	MICROSOFT CORP	$634,000	–	6,429	–	0.16%	–
SRLN	New	SSGA ACTIVE ETF TRblkstn gsosrln	$509,000	–	10,829	–	0.13%	–
VOO	New	VANGUARD INDEX FDS	$493,000	–	1,975	–	0.12%	–
AAPL	New	APPLE INC	$454,000	–	2,450	–	0.11%	–
IJR	New	ISHARES TRcore s&p scp etf	$420,000	–	5,035	–	0.10%	–
VIG	New	VANGUARD GROUPdiv app etf	$402,000	–	3,957	–	0.10%	–
IWD	New	ISHARES TRrus 1000 val etf	$317,000	–	2,608	–	0.08%	–
RY	New	ROYAL BK CDA MONTREAL QUE	$301,000	–	4,000	–	0.07%	–
EXAS	New	EXACT SCIENCES CORP	$293,000	–	4,900	–	0.07%	–
JNJ	New	JOHNSON & JOHNSON	$281,000	–	2,319	–	0.07%	–
SHYD	New	VANECK VECTORS ETF TRshort high yield	$274,000	–	11,190	–	0.07%	–
IWF	New	ISHARES TRrus 1000 grw etf	$270,000	–	1,879	–	0.07%	–
VYM	New	VANGUARD WHITEHALL FDS INChigh div yld	$254,000	–	3,053	–	0.06%	–
FSV	New	FIRSTSERVICE CORPnew sub vtg sh	$250,000	–	3,290	–	0.06%	–
VEA	New	VANGUARD TAX MANAGED INTL FDftse dev mkt etf	$248,000	–	5,771	–	0.06%	–
EFA	New	ISHARES TRmsci eafe etf	$237,000	–	3,533	–	0.06%	–
IWM	New	ISHARES TRrussell 2000 etf	$236,000	–	1,441	–	0.06%	–
PEP	New	PEPSICO INC	$220,000	–	2,021	–	0.05%	–
AMZN	New	AMAZON COM INC	$214,000	–	126	–	0.05%	–
FB	New	FACEBOOK INCcl a	$212,000	–	1,090	–	0.05%	–
PUTW	New	WISDOMTREE TRcboe s&p 500	$203,000	–	6,889	–	0.05%	–
NYCB	New	NEW YORK CMNTY BANCORP INC	$168,000	–	15,200	–	0.04%	–

Q4 2017

			Value		Shares		↓ Weighting
CVX	Exit	CHEVRON CORP NEW	$0	–	-1,728	–	-0.07%	–
FSV	Exit	FIRSTSERVICE CORP NEWsub vtg sh	$0	–	-3,290	–	-0.08%	–
FB	Exit	FACEBOOK INCcl a	$0	–	-1,289	–	-0.08%	–
SRLN	Exit	SSGA ACTIVE ETF TRblkstn gsosrln	$0	–	-4,794	–	-0.08%	–
EFA	Exit	ISHARES TRmsci eafe etf	$0	–	-3,394	–	-0.08%	–
INTF	Exit	ISHARES TRmultifactor intl	$0	–	-8,606	–	-0.08%	–
SCHF	Exit	SCHWAB STRATEGIC TRintl eqty etf	$0	–	-7,352	–	-0.09%	–
XEL	Exit	XCEL ENERGY INC	$0	–	-5,364	–	-0.09%	–
JNJ	Exit	JOHNSON & JOHNSON	$0	–	-1,989	–	-0.09%	–
VYM	Exit	VANGUARD WHITEHALL FDSinc high div yld	$0	–	-3,283	–	-0.09%	–
EZM	Exit	WISDOMTREE TRus midcp earning	$0	–	-7,427	–	-0.10%	–
QUAL	Exit	ISHARES TRusa quality fctr	$0	–	-3,771	–	-0.10%	–
AGG	Exit	ISHARES TRcore us aggbd et	$0	–	-2,674	–	-0.10%	–
VOO	Exit	VANGUARD INDEX FDS	$0	–	-1,315	–	-0.11%	–
IWD	Exit	ISHARES TRrus 1000 val etf	$0	–	-2,608	–	-0.11%	–
RY	Exit	ROYAL BK CDA MONTREAL QUE	$0	–	-4,000	–	-0.11%	–
ISTB	Exit	ISHARES TRcore 1 5 yr usd	$0	–	-7,115	–	-0.12%	–
PEP	Exit	PEPSICO INC	$0	–	-3,243	–	-0.13%	–
VIG	Exit	VANGUARD SPECIALIZEDportfol div app etf	$0	–	-3,833	–	-0.13%	–
AAPL	Exit	APPLE INC	$0	–	-2,468	–	-0.13%	–
IJR	Exit	ISHARES TRcore s&p scp etf	$0	–	-5,205	–	-0.14%	–
VLUE	Exit	ISHARES TRedge msci usa vl	$0	–	-5,765	–	-0.16%	–
MSFT	Exit	MICROSOFT CORP	$0	–	-6,788	–	-0.18%	–
MDY	Exit	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$0	–	-1,884	–	-0.22%	–
GLD	Exit	SPDR GOLD TRUST	$0	–	-5,264	–	-0.22%	–
VUG	Exit	VANGUARD INDEX FDSgrowth etf	$0	–	-5,586	–	-0.26%	–
IVV	Exit	ISHARES TRcore s&p500 etf	$0	–	-9,288	–	-0.82%	–
SCHX	Exit	SCHWAB STRATEGIC TRus lrg cap etf	$0	–	-90,460	–	-1.90%	–
FLRN	Exit	SPDR SER TRblomberg brc inv	$0	–	-2,249,713	–	-24.13%	–
PUTW	Exit	WISDOMTREE TRcboe s&p 500	$0	–	-3,140,805	–	-32.30%	–
IEMG	Exit	ISHARES INCcore msci emkt	$0	–	-2,002,251	–	-37.74%	–

Q3 2017

			Value		Shares		↓ Weighting
IEMG	Sell	ISHARES INCcore msci emkt	$108,162,000	+6.7%	2,002,251	-1.2%	37.74%	+2.0%
PUTW	Buy	WISDOMTREE TRcboe s&p 500	$92,591,000	+3.5%	3,140,805	+1.8%	32.30%	-1.1%
FLRN	Buy	SPDR SER TRblomberg brc inv	$69,156,000	+3.8%	2,249,713	+3.7%	24.13%	-0.8%
SCHX	Sell	SCHWAB STRATEGIC TRus lrg cap etf	$5,431,000	-20.7%	90,460	-23.7%	1.90%	-24.2%
IVV	Sell	ISHARES TRcore s&p500 etf	$2,349,000	-23.5%	9,288	-26.4%	0.82%	-26.9%
VUG	New	VANGUARD INDEX FDSgrowth etf	$742,000	–	5,586	–	0.26%	–
GLD	Buy	SPDR GOLD TRUST	$640,000	+3.7%	5,264	+0.7%	0.22%	-0.9%
MDY	New	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$615,000	–	1,884	–	0.22%	–
MSFT	Sell	MICROSOFT CORP	$506,000	+7.4%	6,788	-0.7%	0.18%	+2.9%
VLUE	Buy	ISHARES TRedge msci usa vl	$446,000	+20.2%	5,765	+14.2%	0.16%	+15.6%
IJR	New	ISHARES TRcore s&p scp etf	$386,000	–	5,205	–	0.14%	–
AAPL	Sell	APPLE INC	$380,000	+2.2%	2,468	-4.4%	0.13%	-2.2%
VIG	Sell	VANGUARD SPECIALIZEDportfol div app etf	$363,000	-26.4%	3,833	-28.0%	0.13%	-29.4%
PEP	Sell	PEPSICO INC	$361,000	-9.3%	3,243	-5.8%	0.13%	-13.1%
ISTB	Buy	ISHARES TRcore 1 5 yr usd	$358,000	+27.4%	7,115	+27.4%	0.12%	+21.4%
IWD	New	ISHARES TRrus 1000 val etf	$309,000	–	2,608	–	0.11%	–
AGG	Buy	ISHARES TRcore us aggbd et	$293,000	+25.2%	2,674	+25.3%	0.10%	+20.0%
QUAL	Buy	ISHARES TRusa quality fctr	$291,000	+15.0%	3,771	+10.9%	0.10%	+10.9%
EZM	Buy	WISDOMTREE TRus midcp earning	$277,000	+15.9%	7,427	+11.4%	0.10%	+11.5%
JNJ	Sell	JOHNSON & JOHNSON	$259,000	-6.2%	1,989	-4.8%	0.09%	-10.9%
XEL	New	XCEL ENERGY INC	$254,000	–	5,364	–	0.09%	–
SCHF	Buy	SCHWAB STRATEGIC TRintl eqty etf	$246,000	+16.0%	7,352	+10.2%	0.09%	+11.7%
INTF	Buy	ISHARES TRmultifactor intl	$241,000	+17.6%	8,606	+10.3%	0.08%	+12.0%
EFA	Sell	ISHARES TRmsci eafe etf	$232,000	-2.9%	3,394	-7.4%	0.08%	-6.9%
SRLN	New	SSGA ACTIVE ETF TRblkstn gsosrln	$227,000	–	4,794	–	0.08%	–
FB	Sell	FACEBOOK INCcl a	$220,000	+7.8%	1,289	-4.7%	0.08%	+4.1%
CVX	Sell	CHEVRON CORP NEW	$203,000	-15.4%	1,728	-24.7%	0.07%	-19.3%
HYB	Exit	NEW AMER HIGH INCOME FD INC	$0	–	-10,041	–	-0.04%	–
XOM	Exit	EXXON MOBIL CORP	$0	–	-2,625	–	-0.08%	–
GE	Exit	GENERAL ELECTRIC CO	$0	–	-8,541	–	-0.08%	–

Q2 2017

			Value		Shares		↓ Weighting
IEMG	New	ISHARES INCcore msci emkt	$101,361,000	–	2,025,594	–	36.98%	–
PUTW	New	WISDOMTREE TRcboe s&p 500	$89,497,000	–	3,085,024	–	32.65%	–
FLRN	New	SPDR SER TRblomberg brc inv	$66,635,000	–	2,168,758	–	24.31%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$6,850,000	–	118,570	–	2.50%	–
IVV	New	ISHARES TRcore s&p500 etf	$3,072,000	–	12,619	–	1.12%	–
GLD	New	SPDR GOLD TRUST	$617,000	–	5,230	–	0.22%	–
VIG	New	VANGUARD SPECIALIZEDportfol div app etf	$493,000	–	5,322	–	0.18%	–
MSFT	New	MICROSOFT CORP	$471,000	–	6,837	–	0.17%	–
PEP	New	PEPSICO INC	$398,000	–	3,442	–	0.14%	–
AAPL	New	APPLE INC	$372,000	–	2,581	–	0.14%	–
VLUE	New	ISHARES TRusa value factor	$371,000	–	5,049	–	0.14%	–
VOO	New	VANGUARD INDEX FDS	$292,000	–	1,315	–	0.11%	–
RY	New	ROYAL BK CDA MONTREAL QUE	$290,000	–	4,000	–	0.11%	–
ISTB	New	ISHARES TRcore st usdb etf	$281,000	–	5,585	–	0.10%	–
JNJ	New	JOHNSON & JOHNSON	$276,000	–	2,089	–	0.10%	–
VYM	New	VANGUARD WHITEHALL FDS INChigh div yld	$257,000	–	3,283	–	0.09%	–
QUAL	New	ISHARES TRusa quality fctr	$253,000	–	3,399	–	0.09%	–
CVX	New	CHEVRON CORP NEW	$240,000	–	2,296	–	0.09%	–
EFA	New	ISHARES TRmsci eafe etf	$239,000	–	3,664	–	0.09%	–
EZM	New	WISDOMTREE TRus midcp earning	$239,000	–	6,668	–	0.09%	–
AGG	New	ISHARES TRcore us aggbd et	$234,000	–	2,134	–	0.08%	–
GE	New	GENERAL ELECTRIC CO	$231,000	–	8,541	–	0.08%	–
XOM	New	EXXON MOBIL CORP	$212,000	–	2,625	–	0.08%	–
FSV	New	FIRSTSERVICE CORP NEWsub vtg sh	$211,000	–	3,290	–	0.08%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$212,000	–	6,669	–	0.08%	–
INTF	New	ISHARES TRmultifactor intl	$205,000	–	7,805	–	0.08%	–
FB	New	FACEBOOK INCcl a	$204,000	–	1,352	–	0.07%	–
HYB	New	NEW AMER HIGH INCOME FD INC	$95,000	–	10,041	–	0.04%	–

Q4 2016

			Value		Shares		↓ Weighting
UNP	Exit	UNION PAC CORP	$0	–	-2,152	–	-0.14%	–
JNJ	Exit	JOHNSON & JOHNSON	$0	–	-1,809	–	-0.15%	–
ECL	Exit	ECOLAB INC	$0	–	-1,875	–	-0.16%	–
GE	Exit	GENERAL ELECTRIC CO	$0	–	-8,312	–	-0.17%	–
RY	Exit	ROYAL BK CDA MONTREAL QUE	$0	–	-4,000	–	-0.17%	–
CVX	Exit	CHEVRON CORP NEW	$0	–	-2,590	–	-0.18%	–
MSFT	Exit	MICROSOFT CORP	$0	–	-4,839	–	-0.19%	–
VYM	Exit	VANGUARD WHITEHALL FDS INChigh div yld	$0	–	-4,036	–	-0.20%	–
HYT	Exit	BLACKROCK CORPOR HI YLD FD I	$0	–	-27,850	–	-0.21%	–
XOM	Exit	EXXON MOBIL CORP	$0	–	-3,494	–	-0.21%	–
PEP	Exit	PEPSICO INC	$0	–	-2,815	–	-0.21%	–
HEDJ	Exit	WISDOMTREE TReurope hedged eq	$0	–	-6,144	–	-0.23%	–
VIG	Exit	VANGUARD SPECIALIZED PORTFOLdiv app etf	$0	–	-3,940	–	-0.23%	–
SDS	Exit	PROSHARES TR	$0	–	-23,419	–	-0.26%	–
IVV	Exit	ISHARES TRcore s&p500 etf	$0	–	-1,788	–	-0.27%	–
HYB	Exit	NEW AMER HIGH INCOME FD INC	$0	–	-47,547	–	-0.30%	–
GLD	Exit	SPDR GOLD TRUST	$0	–	-5,292	–	-0.46%	–
SCHX	Exit	SCHWAB STRATEGIC TRus lrg cap etf	$0	–	-107,100	–	-3.81%	–
HYG	Exit	ISHARES TRiboxx hi yd etf	$0	–	-608,583	–	-36.60%	–
IEMG	Exit	ISHARES INCcore msci emkt	$0	–	-1,776,832	–	-55.85%	–

Q3 2016

			Value		Shares		↓ Weighting
IEMG	Buy	ISHARES INCcore msci emkt	$81,041,000	+27.0%	1,776,832	+16.5%	55.85%	+101.8%
HYG	Buy	ISHARES TRiboxx hi yd etf	$53,105,000	+4.7%	608,583	+1.6%	36.60%	+66.4%
GLD	Buy	SPDR GOLD TRUST	$665,000	+0.2%	5,292	+0.8%	0.46%	+59.0%
HEDJ	Sell	WISDOMTREE TReurope hedged eq	$330,000	-98.7%	6,144	-98.8%	0.23%	-97.9%
PEP	Sell	PEPSICO INC	$306,000	-16.6%	2,815	-18.7%	0.21%	+32.7%
XOM	Buy	EXXON MOBIL CORP	$305,000	-3.2%	3,494	+3.9%	0.21%	+53.3%
MSFT	New	MICROSOFT CORP	$279,000	–	4,839	–	0.19%	–
CVX	Buy	CHEVRON CORP NEW	$267,000	-0.4%	2,590	+1.3%	0.18%	+58.6%
GE	New	GENERAL ELECTRIC CO	$246,000	–	8,312	–	0.17%	–
ECL	New	ECOLAB INC	$228,000	–	1,875	–	0.16%	–
JNJ	Sell	JOHNSON & JOHNSON	$214,000	-20.1%	1,809	-18.1%	0.15%	+26.7%
UNP	New	UNION PAC CORP	$210,000	–	2,152	–	0.14%	–
XEL	Exit	XCEL ENERGY INC	$0	–	-4,611	–	-0.09%	–
HEZU	Exit	ISHARES TRcur hd eurzn etf	$0	–	-1,575,183	–	-16.44%	–
RYE	Exit	RYDEX ETF TRUSTgug s&p500eqwten	$0	–	-774,332	–	-18.80%	–

Q2 2016

			Value		Shares		↓ Weighting
IEMG	New	ISHARES INCcore msci emkt	$63,818,000	–	1,525,275	–	27.67%	–
HYG	New	ISHARES TRiboxx hi yd etf	$50,714,000	–	598,752	–	21.99%	–
RYE	New	RYDEX ETF TRUSTgug s&p500eqwten	$43,370,000	–	774,332	–	18.80%	–
HEZU	New	ISHARES TRcur hd eurzn etf	$37,915,000	–	1,575,183	–	16.44%	–
HEDJ	New	WISDOMTREE TReurope hedged eq	$25,063,000	–	496,010	–	10.87%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$5,330,000	–	107,100	–	2.31%	–
GLD	New	SPDR GOLD TRUST	$664,000	–	5,252	–	0.29%	–
SDS	New	PROSHARES TR	$417,000	–	23,419	–	0.18%	–
HYB	New	NEW AMER HIGH INCOME FD INC	$406,000	–	47,547	–	0.18%	–
IVV	New	ISHARES TRcore s&p500 etf	$376,000	–	1,788	–	0.16%	–
PEP	New	PEPSICO INC	$367,000	–	3,463	–	0.16%	–
VIG	New	VANGUARD SPECIALIZED PORTFOLdiv app etf	$328,000	–	3,940	–	0.14%	–
XOM	New	EXXON MOBIL CORP	$315,000	–	3,363	–	0.14%	–
HYT	New	BLACKROCK CORPOR HI YLD FD I	$291,000	–	27,850	–	0.13%	–
VYM	New	VANGUARD WHITEHALL FDS INChigh div yld	$288,000	–	4,036	–	0.12%	–
JNJ	New	JOHNSON & JOHNSON	$268,000	–	2,209	–	0.12%	–
CVX	New	CHEVRON CORP NEW	$268,000	–	2,558	–	0.12%	–
RY	New	ROYAL BK CDA MONTREAL QUE	$236,000	–	4,000	–	0.10%	–
XEL	New	XCEL ENERGY INC	$206,000	–	4,611	–	0.09%	–

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