Sage Financial Management Group, Inc. Activity Q4 2020-Q3 2023

Q3 2023

			Value		Shares		↓ Weighting
IVV	New	ISHARES TRcore s&p500 etf	$19,984	–	46,537	–	12.02%	–
BSV	New	VANGUARD BD INDEX FDSshort trm bond	$19,112	–	254,250	–	11.50%	–
BIV	New	VANGUARD BD INDEX FDSintermed term	$17,185	–	237,657	–	10.34%	–
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$14,985	–	296,141	–	9.01%	–
VEU	New	VANGUARD INTL EQUITY INDEX Fallwrld ex us	$14,133	–	272,479	–	8.50%	–
SPYG	Buy	SPDR SER TRprtflo s&p500 gw	$7,518	-1.0%	126,817	+1.9%	4.52%	-90.1%
VOO	New	VANGUARD INDEX FDS	$7,208	–	18,355	–	4.34%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$6,725	–	198,027	–	4.04%	–
EFA	New	ISHARES TRmsci eafe etf	$6,232	–	90,419	–	3.75%	–
VYM	New	VANGUARD WHITEHALL FDShigh div yld	$6,154	–	59,566	–	3.70%	–
SCHG	New	SCHWAB STRATEGIC TRus lcap gr etf	$6,044	–	83,114	–	3.64%	–
VV	New	VANGUARD INDEX FDSlarge cap etf	$4,325	–	22,104	–	2.60%	–
SCHD	New	SCHWAB STRATEGIC TRus dividend eq	$3,885	–	54,910	–	2.34%	–
VSS	New	VANGUARD INTL EQUITY INDEX Fftse smcap etf	$3,424	–	32,245	–	2.06%	–
SCHM	New	SCHWAB STRATEGIC TRus mid-cap etf	$3,200	–	47,286	–	1.92%	–
IJH	New	ISHARES TRcore s&p mcp etf	$3,105	–	12,451	–	1.87%	–
IJR	New	ISHARES TRcore s&p scp etf	$2,262	–	23,975	–	1.36%	–
MDY	Sell	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$2,050	-6.4%	4,489	-1.9%	1.23%	-90.6%
SPSM	Buy	SPDR SER TRportfolio s&p600	$2,043	+1.6%	55,366	+6.9%	1.23%	-89.8%
VGSH	Sell	VANGUARD SCOTTSDALE FDSshort term treas	$1,902	-5.8%	33,014	-5.7%	1.14%	-90.6%
SCHA	New	SCHWAB STRATEGIC TRus sml cap etf	$1,785	–	43,085	–	1.07%	–
SCHZ	New	SCHWAB STRATEGIC TRus aggregate b	$1,242	–	28,090	–	0.75%	–
SHW	New	SHERWIN WILLIAMS CO	$1,194	–	4,683	–	0.72%	–
SUB	New	ISHARES TRshrt nat mun etf	$1,077	–	10,467	–	0.65%	–
MUB	New	ISHARES TRnational mun etf	$1,000	–	9,755	–	0.60%	–
IUSG	New	ISHARES TRcore s&p us gwt	$670	–	7,070	–	0.40%	–
IVW	New	ISHARES TRs&p 500 grwt etf	$646	–	9,438	–	0.39%	–
AAPL	New	APPLE INC	$643	–	3,756	–	0.39%	–
VUG	New	VANGUARD INDEX FDSgrowth etf	$602	–	2,210	–	0.36%	–
MSFT	New	MICROSOFT CORP	$504	–	1,595	–	0.30%	–
VTV	New	VANGUARD INDEX FDSvalue etf	$439	–	3,180	–	0.26%	–
IWR	New	ISHARES TRrus mid cap etf	$401	–	5,784	–	0.24%	–
JNJ	New	JOHNSON & JOHNSON	$347	–	2,226	–	0.21%	–
FNDB	New	SCHWAB STRATEGIC TRschwab fdt us bm	$347	–	6,305	–	0.21%	–
DSI	New	ISHARES TRmsci kld400 soc	$305	–	3,752	–	0.18%	–
XLP	Sell	SELECT SECTOR SPDR TRsbi cons stpls	$268	-30.2%	3,888	-24.9%	0.16%	-93.0%
EEM	New	ISHARES TRmsci emg mkt etf	$261	–	6,884	–	0.16%	–
PEP	New	PEPSICO INC	$225	–	1,330	–	0.14%	–
IJT	New	ISHARES TRs&p sml 600 gwt	$218	–	1,992	–	0.13%	–
VBR	New	VANGUARD INDEX FDSsm cp val etf	$213	–	1,334	–	0.13%	–

Q2 2023

			Value		Shares		↓ Weighting
SPYG	New	SPDR SER TRprtflo s&p500 gw	$7,592	–	124,446	–	45.57%	–
MDY	New	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$2,191	–	4,574	–	13.15%	–
VGSH	New	VANGUARD SCOTTSDALE FDSshort term treas	$2,020	–	34,998	–	12.13%	–
SPSM	New	SPDR SER TRportfolio s&p600	$2,011	–	51,781	–	12.07%	–
BNDX	New	VANGUARD CHARLOTTE FDStotal int bd etf	$1,944	–	39,773	–	11.67%	–
SPY	New	SPDR S&P 500 ETF TRtr unit	$517	–	1,166	–	3.10%	–
XLP	New	SELECT SECTOR SPDR TRsbi cons stpls	$384	–	5,176	–	2.30%	–

Q4 2022

			Value		Shares		↓ Weighting
TMO	Exit	THERMO FISHER SCIENTIFIC INC	$0	–	-466	–	-0.21%	–
SUB	Exit	ISHARES TRshrt nat mun etf	$0	–	-2,467	–	-0.22%	–
XLP	Exit	SELECT SECTOR SPDR TRsbi cons stpls	$0	–	-4,132	–	-0.24%	–
DSI	Exit	ISHARES TRmsci kld400 soc	$0	–	-4,147	–	-0.24%	–
MSFT	Exit	MICROSOFT CORP	$0	–	-1,500	–	-0.31%	–
IWR	Exit	ISHARES TRrus mid cap etf	$0	–	-5,745	–	-0.32%	–
VTV	Exit	VANGUARD INDEX FDSvalue etf	$0	–	-3,180	–	-0.35%	–
SPY	Exit	SPDR S&P 500 ETF TRtr unit	$0	–	-1,166	–	-0.37%	–
JNJ	Exit	JOHNSON & JOHNSON	$0	–	-2,635	–	-0.38%	–
IUSG	Exit	ISHARES TRcore s&p us gwt	$0	–	-5,609	–	-0.40%	–
FNDB	Exit	SCHWAB STRATEGIC TRschwab fdt us bm	$0	–	-10,800	–	-0.45%	–
AAPL	Exit	APPLE INC	$0	–	-4,483	–	-0.55%	–
SHW	Exit	SHERWIN WILLIAMS CO	$0	–	-4,683	–	-0.84%	–
IJR	Exit	ISHARES TRcore s&p scp etf	$0	–	-15,091	–	-1.16%	–
SCHF	Exit	SCHWAB STRATEGIC TRintl eqty etf	$0	–	-50,815	–	-1.26%	–
MDY	Exit	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$0	–	-3,698	–	-1.31%	–
VV	Exit	VANGUARD INDEX FDSlarge cap etf	$0	–	-15,621	–	-2.25%	–
SCHD	Exit	SCHWAB STRATEGIC TRus dividend eq	$0	–	-39,585	–	-2.32%	–
SCHA	Exit	SCHWAB STRATEGIC TRus sml cap etf	$0	–	-81,520	–	-2.72%	–
EFA	Exit	ISHARES TRmsci eafe etf	$0	–	-78,953	–	-3.90%	–
SCHM	Exit	SCHWAB STRATEGIC TRus mid-cap etf	$0	–	-75,520	–	-4.03%	–
VYM	Exit	VANGUARD WHITEHALL FDShigh div yld	$0	–	-49,657	–	-4.15%	–
VOO	Exit	VANGUARD INDEX FDS	$0	–	-17,707	–	-5.12%	–
MUB	Exit	ISHARES TRnational mun etf	$0	–	-58,678	–	-5.30%	–
VTIP	Exit	VANGUARD MALVERN FDSstrm infproidx	$0	–	-143,672	–	-6.09%	–
SCHG	Exit	SCHWAB STRATEGIC TRus lcap gr etf	$0	–	-166,759	–	-8.20%	–
BSV	Exit	VANGUARD BD INDEX FDSshort trm bond	$0	–	-125,812	–	-8.30%	–
BIV	Exit	VANGUARD BD INDEX FDSintermed term	$0	–	-147,409	–	-9.55%	–
VEU	Exit	VANGUARD INTL EQUITY INDEX Fallwrld ex us	$0	–	-273,417	–	-10.69%	–
SCHX	Exit	SCHWAB STRATEGIC TRus lrg cap etf	$0	–	-503,324	–	-18.79%	–

Q3 2022

			Value		Shares		↓ Weighting
SCHX	Sell	SCHWAB STRATEGIC TRus lrg cap etf	$21,316,000	-15.6%	503,324	-11.0%	18.79%	+6.3%
VEU	Sell	VANGUARD INTL EQUITY INDEX Fallwrld ex us	$12,129,000	-17.9%	273,417	-7.5%	10.69%	+3.4%
BIV	Sell	VANGUARD BD INDEX FDSintermed term	$10,832,000	-16.5%	147,409	-11.8%	9.55%	+5.1%
BSV	Sell	VANGUARD BD INDEX FDSshort trm bond	$9,413,000	-20.5%	125,812	-18.4%	8.30%	+0.1%
SCHG	Sell	SCHWAB STRATEGIC TRus lcap gr etf	$9,307,000	-17.6%	166,759	-14.3%	8.20%	+3.8%
VTIP	Sell	VANGUARD MALVERN FDSstrm infproidx	$6,912,000	-23.5%	143,672	-20.3%	6.09%	-3.7%
MUB	Sell	ISHARES TRnational mun etf	$6,019,000	-6.1%	58,678	-2.7%	5.30%	+18.2%
VOO	Sell	VANGUARD INDEX FDS	$5,813,000	-19.4%	17,707	-14.8%	5.12%	+1.5%
VYM	Sell	VANGUARD WHITEHALL FDShigh div yld	$4,711,000	-30.8%	49,657	-25.8%	4.15%	-12.8%
SCHM	Sell	SCHWAB STRATEGIC TRus mid-cap etf	$4,571,000	-13.5%	75,520	-10.4%	4.03%	+8.9%
EFA	Sell	ISHARES TRmsci eafe etf	$4,422,000	-29.8%	78,953	-21.6%	3.90%	-11.6%
SCHA	Sell	SCHWAB STRATEGIC TRus sml cap etf	$3,081,000	-10.4%	81,520	-7.6%	2.72%	+12.7%
SCHD	Sell	SCHWAB STRATEGIC TRus dividend eq	$2,630,000	-7.6%	39,585	-0.4%	2.32%	+16.4%
VV	Sell	VANGUARD INDEX FDSlarge cap etf	$2,555,000	-42.4%	15,621	-39.3%	2.25%	-27.4%
MDY	Sell	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$1,485,000	-32.0%	3,698	-30.0%	1.31%	-14.4%
SCHF	Sell	SCHWAB STRATEGIC TRintl eqty etf	$1,429,000	-17.7%	50,815	-7.9%	1.26%	+3.6%
IJR	Sell	ISHARES TRcore s&p scp etf	$1,316,000	-42.2%	15,091	-38.7%	1.16%	-27.1%
AAPL	Sell	APPLE INC	$620,000	-3.1%	4,483	-4.3%	0.55%	+21.9%
IUSG	Sell	ISHARES TRcore s&p us gwt	$450,000	-39.5%	5,609	-36.9%	0.40%	-23.8%
VTV	New	VANGUARD INDEX FDSvalue etf	$393,000	–	3,180	–	0.35%	–
IWR	Sell	ISHARES TRrus mid cap etf	$357,000	-9.8%	5,745	-6.2%	0.32%	+13.7%
DSI	Sell	ISHARES TRmsci kld400 soc	$278,000	-24.7%	4,147	-19.3%	0.24%	-5.0%
XLP	Sell	SELECT SECTOR SPDR TRsbi cons stpls	$276,000	-41.9%	4,132	-37.2%	0.24%	-26.8%
SUB	Sell	ISHARES TRshrt nat mun etf	$253,000	-49.4%	2,467	-48.4%	0.22%	-36.3%
IVV	Exit	ISHARES TRcore s&p500 etf	$0	–	-540	–	-0.14%	–
VXUS	Exit	VANGUARD STAR FDSvg tl intl stk f	$0	–	-7,549	–	-0.27%	–
SCHZ	Exit	SCHWAB STRATEGIC TRus aggregate b	$0	–	-40,296	–	-1.35%	–

Q2 2022

			Value		Shares		↓ Weighting
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$25,261,000	–	565,624	–	17.68%	–
VEU	New	VANGUARD INTL EQUITY INDEX Fallwrld ex us	$14,772,000	–	295,671	–	10.34%	–
BIV	New	VANGUARD BD INDEX FDSintermed term	$12,976,000	–	167,113	–	9.08%	–
BSV	New	VANGUARD BD INDEX FDSshort trm bond	$11,837,000	–	154,143	–	8.28%	–
SCHG	New	SCHWAB STRATEGIC TRus lcap gr etf	$11,290,000	–	194,681	–	7.90%	–
VTIP	New	VANGUARD MALVERN FDSstrm infproidx	$9,037,000	–	180,302	–	6.32%	–
VOO	New	VANGUARD INDEX FDS	$7,211,000	–	20,788	–	5.05%	–
VYM	New	VANGUARD WHITEHALL FDShigh div yld	$6,803,000	–	66,890	–	4.76%	–
MUB	New	ISHARES TRnational mun etf	$6,412,000	–	60,283	–	4.49%	–
EFA	New	ISHARES TRmsci eafe etf	$6,296,000	–	100,756	–	4.41%	–
SCHM	New	SCHWAB STRATEGIC TRus mid-cap etf	$5,286,000	–	84,259	–	3.70%	–
VV	New	VANGUARD INDEX FDSlarge cap etf	$4,433,000	–	25,719	–	3.10%	–
SCHA	New	SCHWAB STRATEGIC TRus sml cap etf	$3,440,000	–	88,228	–	2.41%	–
SCHD	New	SCHWAB STRATEGIC TRus dividend eq	$2,846,000	–	39,736	–	1.99%	–
IJR	New	ISHARES TRcore s&p scp etf	$2,275,000	–	24,623	–	1.59%	–
MDY	New	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$2,185,000	–	5,285	–	1.53%	–
SCHZ	New	SCHWAB STRATEGIC TRus aggregate b	$1,929,000	–	40,296	–	1.35%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$1,736,000	–	55,196	–	1.22%	–
SHW	New	SHERWIN WILLIAMS CO	$1,049,000	–	4,683	–	0.73%	–
IUSG	New	ISHARES TRcore s&p us gwt	$744,000	–	8,887	–	0.52%	–
AAPL	New	APPLE INC	$640,000	–	4,683	–	0.45%	–
FNDB	New	SCHWAB STRATEGIC TRschwab fdt us bm	$542,000	–	10,800	–	0.38%	–
SUB	New	ISHARES TRshrt nat mun etf	$500,000	–	4,778	–	0.35%	–
XLP	New	SELECT SECTOR SPDR TRsbi cons stpls	$475,000	–	6,578	–	0.33%	–
JNJ	New	JOHNSON & JOHNSON	$468,000	–	2,635	–	0.33%	–
SPY	New	SPDR S&P 500 ETF TRtr unit	$440,000	–	1,166	–	0.31%	–
IWR	New	ISHARES TRrus mid cap etf	$396,000	–	6,123	–	0.28%	–
VXUS	New	VANGUARD STAR FDSvg tl intl stk f	$390,000	–	7,549	–	0.27%	–
MSFT	New	MICROSOFT CORP	$385,000	–	1,500	–	0.27%	–
DSI	New	ISHARES TRmsci kld400 soc	$369,000	–	5,137	–	0.26%	–
TMO	New	THERMO FISHER SCIENTIFIC INC	$253,000	–	466	–	0.18%	–
IVV	New	ISHARES TRcore s&p500 etf	$205,000	–	540	–	0.14%	–

Q4 2021

			Value		Shares		↓ Weighting
CSCO	Exit	CISCO SYS INC	$0	–	-4,752	–	-6.49%	–
SPY	Exit	SPDR S&P 500 ETF TRtr unit	$0	–	-766	–	-8.25%	–
VGSH	Exit	VANGUARD SCOTTSDALE FDSshort term treas	$0	–	-6,014	–	-9.25%	–
XLP	Exit	SELECT SECTOR SPDR TRsbi cons stpls	$0	–	-6,785	–	-11.71%	–
MDY	Exit	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$0	–	-5,333	–	-64.29%	–

Q3 2021

			Value		Shares		↓ Weighting
MDY	Sell	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$2,564,000	-3.3%	5,333	-1.3%	64.29%	+2558.9%
VGSH	New	VANGUARD SCOTTSDALE FDSshort term treas	$369,000	–	6,014	–	9.25%	–
BIL	Exit	SPDR SER TRspdr bloomberg	$0	–	-2,182	–	-0.18%	–
EEM	Exit	ISHARES TRmsci emg mkt etf	$0	–	-4,163	–	-0.21%	–
IVV	Exit	ISHARES TRcore s&p500 etf	$0	–	-540	–	-0.21%	–
TMO	Exit	THERMO FISHER SCIENTIFIC INC	$0	–	-466	–	-0.21%	–
AMZN	Exit	AMAZON COM INC	$0	–	-84	–	-0.26%	–
MSFT	Exit	MICROSOFT CORP	$0	–	-1,098	–	-0.27%	–
JNJ	Exit	JOHNSON & JOHNSON	$0	–	-1,891	–	-0.28%	–
IWR	Exit	ISHARES TRrus mid cap etf	$0	–	-6,123	–	-0.44%	–
AAPL	Exit	APPLE INC	$0	–	-4,233	–	-0.53%	–
FNDB	Exit	SCHWAB STRATEGIC TRschwab fdt us bm	$0	–	-13,145	–	-0.65%	–
IUSG	Exit	ISHARES TRcore s&p us gwt	$0	–	-11,329	–	-1.04%	–
SHW	Exit	SHERWIN WILLIAMS CO	$0	–	-4,623	–	-1.15%	–
SCHD	Exit	SCHWAB STRATEGIC TRus dividend eq	$0	–	-30,583	–	-2.11%	–
IJR	Exit	ISHARES TRcore s&p scp etf	$0	–	-25,034	–	-2.58%	–
BSV	Exit	VANGUARD BD INDEX FDSshort trm bond	$0	–	-39,191	–	-2.94%	–
SCHA	Exit	SCHWAB STRATEGIC TRus sml cap etf	$0	–	-34,665	–	-3.29%	–
SCHM	Exit	SCHWAB STRATEGIC TRus mid-cap etf	$0	–	-80,794	–	-5.77%	–
VYM	Exit	VANGUARD WHITEHALL FDShigh div yld	$0	–	-71,501	–	-6.83%	–
EFA	Exit	ISHARES TRmsci eafe etf	$0	–	-111,801	–	-8.04%	–
SCHF	Exit	SCHWAB STRATEGIC TRintl eqty etf	$0	–	-247,305	–	-8.90%	–
SCHZ	Exit	SCHWAB STRATEGIC TRus aggregate b	$0	–	-266,195	–	-13.25%	–
SCHG	Exit	SCHWAB STRATEGIC TRus lcap gr etf	$0	–	-104,614	–	-13.92%	–
SCHX	Exit	SCHWAB STRATEGIC TRus lrg cap etf	$0	–	-248,377	–	-23.55%	–

Q2 2021

			Value		Shares		↓ Weighting
SCHX	New	SCHWAB STRATEGIC TRus lrg cap etf	$25,824,000	–	248,377	–	23.55%	–
SCHG	New	SCHWAB STRATEGIC TRus lcap gr etf	$15,269,000	–	104,614	–	13.92%	–
SCHZ	New	SCHWAB STRATEGIC TRus aggregate b	$14,534,000	–	266,195	–	13.25%	–
SCHF	New	SCHWAB STRATEGIC TRintl eqty etf	$9,756,000	–	247,305	–	8.90%	–
EFA	New	ISHARES TRmsci eafe etf	$8,819,000	–	111,801	–	8.04%	–
VYM	New	VANGUARD WHITEHALL FDShigh div yld	$7,491,000	–	71,501	–	6.83%	–
SCHM	New	SCHWAB STRATEGIC TRus mid-cap etf	$6,324,000	–	80,794	–	5.77%	–
SCHA	New	SCHWAB STRATEGIC TRus sml cap etf	$3,611,000	–	34,665	–	3.29%	–
BSV	New	VANGUARD BD INDEX FDSshort trm bond	$3,220,000	–	39,191	–	2.94%	–
IJR	New	ISHARES TRcore s&p scp etf	$2,828,000	–	25,034	–	2.58%	–
MDY	New	SPDR S&P MIDCAP 400 ETF TRutser1 s&pdcrp	$2,652,000	–	5,401	–	2.42%	–
SCHD	New	SCHWAB STRATEGIC TRus dividend eq	$2,313,000	–	30,583	–	2.11%	–
SHW	New	SHERWIN WILLIAMS CO	$1,260,000	–	4,623	–	1.15%	–
IUSG	New	ISHARES TRcore s&p us gwt	$1,144,000	–	11,329	–	1.04%	–
FNDB	New	SCHWAB STRATEGIC TRschwab fdt us bm	$715,000	–	13,145	–	0.65%	–
AAPL	New	APPLE INC	$580,000	–	4,233	–	0.53%	–
IWR	New	ISHARES TRrus mid cap etf	$485,000	–	6,123	–	0.44%	–
XLP	New	SELECT SECTOR SPDR TRsbi cons stpls	$475,000	–	6,785	–	0.43%	–
SPY	New	SPDR S&P 500 ETF TRtr unit	$328,000	–	766	–	0.30%	–
JNJ	New	JOHNSON & JOHNSON	$312,000	–	1,891	–	0.28%	–
MSFT	New	MICROSOFT CORP	$297,000	–	1,098	–	0.27%	–
AMZN	New	AMAZON COM INC	$289,000	–	84	–	0.26%	–
CSCO	New	CISCO SYS INC	$252,000	–	4,752	–	0.23%	–
TMO	New	THERMO FISHER SCIENTIFIC INC	$235,000	–	466	–	0.21%	–
IVV	New	ISHARES TRcore s&p500 etf	$232,000	–	540	–	0.21%	–
EEM	New	ISHARES TRmsci emg mkt etf	$230,000	–	4,163	–	0.21%	–
BIL	New	SPDR SER TRspdr bloomberg	$200,000	–	2,182	–	0.18%	–

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