eCIO, Inc.

#	Issuer	Class	Value	Shares	% Portfolio	Discretion
1	iShares Core U.S. Aggregate Bond ETF	AGG	$39.7M	399971	17.47%	SOLE
2	Schwab U.S. Dividend Equity ETF	SCHD	$31.2M	1017616	13.73%	SOLE
3	Schwab International Equity ETF	SCHF	$25.9M	1046042	11.39%	SOLE
4	Vanguard Short-Term Bond Index Fund ETF Shares	BSV	$17.8M	227413	7.84%	SOLE
5	Vanguard Mortgage-Backed Securities Index Fund ETF Shares	VMBS	$14.2M	302148	6.24%	SOLE
6	iShares Core S&P Small-Cap ETF	IJR	$11.1M	89267	4.88%	SOLE
7	iShares Core MSCI Emerging Markets ETF	IEMG	$10.6M	151881	4.66%	SOLE
8	VANGUARD INSTL INDEX FD VANGUARD 0 3 MONTH TREASURY BILL ETF	VBIL	$10.2M	134431	4.47%	SOLE
9	JANUS HENDERSON AAA CLO ETF	JAAA	$10.2M	201599	4.47%	SOLE
10	iShares MSCI USA ESG Select ETF	SUSA	$8.7M	66029	3.84%	SOLE
11	iShares ESG Aware U.S. Aggregate Bond ETF	EAGG	$7.2M	151322	3.17%	SOLE
12	BONDBLOXX ETF TRUST BONDBLOXX BLOOMBERG SIX MONTH TARGET DURATION US TREASRY ETF	XHLF	$7.0M	138793	3.07%	SOLE
13	BONDBLOXX ETF TRUST BONDBLOXX BLOOMBERG ONE YEAR TARGET DURATION US TREASRY ETF	XONE	$6.2M	124211	2.71%	SOLE
14	iShares ESG MSCI EAFE ETF	ESGD	$3.7M	38746	1.63%	SOLE
15	iShares ESG MSCI USA Small-Cap ETF	ESML	$3.2M	69010	1.43%	SOLE
16	iShares Core 1-5 Year USD Bond ETF	ISTB	$2.9M	59193	1.26%	SOLE
17	DBX ETF TR XTRACKERS S&P ESG DIVIDEND ARISTOCRATS ETF	SNPD	$2.8M	101243	1.24%	SOLE
18	Vanguard Short-Term Treasury Index Fund ETF Shares	VGSH	$1.8M	29968	0.77%	SOLE
19	iShares ESG Aware 1-5 Year USD Corporate Bond ETF	SUSB	$1.7M	68378	0.75%	SOLE
20	NUSHARES ETF TRUST NUVEEN ESG DIVIDEND ETF	NUDV	$1.7M	54596	0.74%	SOLE
21	iShares ESG MSCI EM ETF	ESGE	$1.6M	34286	0.69%	SOLE
22	Vanguard Total Bond Market Index Fund ETF Shares	BND	$1.1M	15242	0.49%	SOLE
23	SPDR S&P 500 Fossil Fuel Reserves Free ETF	SPYX	$1.1M	20795	0.49%	SOLE
24	Eli Lilly and Company	LLY	$1.1M	1154	0.47%	SOLE
25	Vanguard Total Stock Market Index Fund ETF Shares	VTI	$801K	2495	0.35%	SOLE
26	ISHARES TRUST ESG ADVANCED MSCI USA ETF	UXSF	$626K	11346	0.28%	SOLE
27	Schwab Intermediate-Term U.S. Treasury ETF	SCHR	$526K	21107	0.23%	SOLE
28	Global X S&P 500 Catholic Values ETF	CATH	$387K	4948	0.17%	SOLE
29	SPDR MSCI EAFE Fossil Fuel Free ETF	EFAX	$363K	7288	0.16%	SOLE
30	Alphabet Inc	GOOG	$293K	1022	0.13%	SOLE
31	Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares	VTIP	$265K	5309	0.12%	SOLE
32	Vanguard Total World Stock Index Fund ETF Shares	VT	$256K	1850	0.11%	SOLE
33	Microsoft Corporation	MSFT	$253K	684	0.11%	SOLE
34	Vanguard FTSE All-World ex-US Index Fund ETF	VEU	$242K	3223	0.11%	SOLE
35	iShares Short-Term Corporate Bond ETF	IGSB	$231K	4394	0.10%	SOLE
36	Johnson & Johnson	JNJ	$228K	933	0.10%	SOLE
37	GLOBAL X FDS GLOBAL X S&P CATHOLIC VALUES DEVELOPED EX U S ETF	CEFA	$219K	5930	0.10%	SOLE
38	JPMORGAN CHASE & CO	5CPRFF7	$25K	25000	0.01%	SOLE
39	DELL INTL LLC/EMC CORP	5CVWGY4	$22K	22000	0.01%	SOLE
40	WELLS FARGO & CO	5CNDRL1	$15K	15000	0.01%	SOLE
41	DUKE ENERGY CORP	5CQSXP0	$15K	15000	0.01%	SOLE

1

iShares Core U.S. Aggregate Bond ETF

$39.7M

399971

17.47%

2

Schwab U.S. Dividend Equity ETF

$31.2M

1017616

13.73%

3

Schwab International Equity ETF

$25.9M

1046042

11.39%

4

Vanguard Short-Term Bond Index Fund ETF Shares

$17.8M

227413

7.84%

5

Vanguard Mortgage-Backed Securities Index Fund ETF Shares

$14.2M

302148

6.24%

6

iShares Core S&P Small-Cap ETF

$11.1M

89267

4.88%

7

iShares Core MSCI Emerging Markets ETF

$10.6M

151881

4.66%

8

VANGUARD INSTL INDEX FD VANGUARD 0 3 MONTH TREASURY BILL ETF

$10.2M

134431

4.47%

9

JANUS HENDERSON AAA CLO ETF

$10.2M

201599

4.47%

10

iShares MSCI USA ESG Select ETF

$8.7M

66029

3.84%

11

iShares ESG Aware U.S. Aggregate Bond ETF

$7.2M

151322

3.17%

12

BONDBLOXX ETF TRUST BONDBLOXX BLOOMBERG SIX MONTH TARGET DURATION US TREASRY ETF

$7.0M

138793

3.07%

13

BONDBLOXX ETF TRUST BONDBLOXX BLOOMBERG ONE YEAR TARGET DURATION US TREASRY ETF

$6.2M

124211

2.71%

14

iShares ESG MSCI EAFE ETF

$3.7M

38746

1.63%

15

iShares ESG MSCI USA Small-Cap ETF

$3.2M

69010

1.43%

16

iShares Core 1-5 Year USD Bond ETF

$2.9M

59193

1.26%

17

DBX ETF TR XTRACKERS S&P ESG DIVIDEND ARISTOCRATS ETF

$2.8M

101243

1.24%

18

Vanguard Short-Term Treasury Index Fund ETF Shares

$1.8M

29968

0.77%

19

iShares ESG Aware 1-5 Year USD Corporate Bond ETF

$1.7M

68378

0.75%

20

NUSHARES ETF TRUST NUVEEN ESG DIVIDEND ETF

$1.7M

54596

0.74%

21

iShares ESG MSCI EM ETF

$1.6M

34286

0.69%

22

Vanguard Total Bond Market Index Fund ETF Shares

$1.1M

15242

0.49%

23

SPDR S&P 500 Fossil Fuel Reserves Free ETF

$1.1M

20795

0.49%

24

Eli Lilly and Company

$1.1M

1154

0.47%

25

Vanguard Total Stock Market Index Fund ETF Shares

$801K

2495

0.35%

26

ISHARES TRUST ESG ADVANCED MSCI USA ETF

$626K

11346

0.28%

27

Schwab Intermediate-Term U.S. Treasury ETF

$526K

21107

0.23%

28

Global X S&P 500 Catholic Values ETF

$387K

4948

0.17%

29

SPDR MSCI EAFE Fossil Fuel Free ETF

$363K

7288

0.16%

30

Alphabet Inc

$293K

1022

0.13%

31

Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares

$265K

5309

0.12%

32

Vanguard Total World Stock Index Fund ETF Shares

$256K

1850

0.11%

33

Microsoft Corporation

$253K

684

0.11%

34

Vanguard FTSE All-World ex-US Index Fund ETF

$242K

3223

0.11%

35

iShares Short-Term Corporate Bond ETF

$231K

4394

0.10%

36

Johnson & Johnson

$228K

933

0.10%

37

GLOBAL X FDS GLOBAL X S&P CATHOLIC VALUES DEVELOPED EX U S ETF

$219K

5930

0.10%

38

JPMORGAN CHASE & CO

$25K

25000

0.01%

39

DELL INTL LLC/EMC CORP

$22K

22000

0.01%

40

WELLS FARGO & CO

$15K

15000

0.01%

41

DUKE ENERGY CORP

$15K

15000

0.01%

Mar 2026 (Q1)