Phillip James Consulting Co.

#	Issuer	Class	Value	Shares	% Portfolio	Discretion
1	SCHWAB SHORT-TERM US TREASURY ETF	ETF	$10.7M	543605	8.11%	SOLE
2	VANGUARD SHORT-TERM BOND ETF	ETF	$8.4M	113554	6.38%	SOLE
3	SCHWAB US BROAD MARKET ETF	ETF	$8.3M	329111	6.26%	SOLE
4	ISHARES MSCI EAFE VALUE ETF	ETF	$7.0M	94262	5.32%	SOLE
5	SCHWAB US LARGE-CAP VALUE ETF	ETF	$5.9M	192937	4.46%	SOLE
6	VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF	ETF	$5.8M	40084	4.43%	SOLE
7	VANGUARD SMALL-CAP ETF	ETF	$5.7M	21764	4.32%	SOLE
8	SCHWAB INTL EQUITY ETF	ETF	$5.1M	206988	3.88%	SOLE
9	VANGUARD SMALL-CAP VALUE ETF	ETF	$5.1M	23570	3.88%	SOLE
10	VANGUARD TOTAL STOCK MARKET ETF	ETF	$4.7M	14577	3.55%	SOLE
11	SCHWAB US SMALL-CAP ETF	ETF	$4.2M	143553	3.17%	SOLE
12	SPDR PORTFOLIO SP 500 MOMENTUM ETF	ETF	$3.8M	49502	2.87%	SOLE
13	WISDOMTREE INTL SMALLCAP DIVIDEND FUND	ETF	$3.0M	37269	2.30%	SOLE
14	VANGUARD VALUE ETF	ETF	$2.6M	13231	1.97%	SOLE
15	SPDR PORTFOLIO EMERGING MARKETS ETF	ETF	$2.5M	54185	1.93%	SOLE
16	AVANTIS INTL SMALL CAP VALUE ETF	ETF	$2.5M	25135	1.90%	SOLE
17	VANGUARD INFORMATION TECHNOLOGY ETF	ETF	$2.3M	3260	1.72%	SOLE
18	WISDOMTREE TRUE DEVELOPED INTL FUND	ETF	$2.1M	31003	1.60%	SOLE
19	SCHWAB INTL SMALL-CAP EQUITY ETF	ETF	$2.0M	43452	1.54%	SOLE
20	ISHARES SELECT DIVIDEND ETF	ETF	$1.8M	12082	1.39%	SOLE
21	SCHWAB EMERGING MARKETS EQUITY ETF	ETF	$1.7M	51482	1.29%	SOLE
22	SPDR SP 600 SMALL CAP VALUE ETF	ETF	$1.6M	16962	1.22%	SOLE
23	APPLE INC	COM	$1.6M	6270	1.21%	SOLE
24	SPDR PORTFOLIO SP 600 SMALL CAP ETF	ETF	$1.6M	32884	1.20%	SOLE
25	BERKSHIRE HATHAWAY INC	COM CL B	$1.6M	3306	1.20%	SOLE
26	ISHARES RUSSELL 3000 ETF	ETF	$1.3M	3412	0.96%	SOLE
27	VANGUARD TOTAL INTL STOCK ETF	ETF	$1.2M	14932	0.87%	SOLE
28	ISHARES RUSSELL 1000 VALUE ETF	ETF	$1.1M	5146	0.83%	SOLE
29	VANGUARD FTSE EMERGING MARKETS ETF	ETF	$1.0M	19235	0.79%	SOLE
30	ISHARES CORE SP SMALL-CAP ETF	ETF	$954K	7681	0.72%	SOLE
31	VANGUARD CONSUMER DISCRETIONARY ETF	ETF	$840K	2340	0.64%	SOLE
32	VANGUARD SP 500 ETF	ETF	$795K	1332	0.60%	SOLE
33	INVESCO BULLETSHARES 2026 CORP BOND ETF	ETF	$779K	39934	0.59%	SOLE
34	VANGUARD SHORT-TERM CORP BOND ETF	ETF	$749K	9452	0.57%	SOLE
35	INVESCO SP 500 LOW VOLATILITY ETF	ETF	$742K	10157	0.56%	SOLE
36	BERKSHIRE HATHAWAY INC	COM CL A	$718K	1	0.54%	SOLE
37	MEDTRONIC PLC	SHS	$687K	7933	0.52%	SOLE
38	VANGUARD HEALTH CARE ETF	ETF	$683K	2510	0.52%	SOLE
39	VANGUARD RUSSELL 1000 VALUE ETF	ETF	$682K	7279	0.52%	SOLE
40	WISDOMTREE INTL EQUITY FUND	ETF	$674K	9652	0.51%	SOLE
41	INVESCO RAFI DEVELOPED MARKETS EX-US ETF	ETF	$661K	9458	0.50%	SOLE
42	VANGUARD DIVIDEND APPRECIATION ETF	ETF	$659K	3065	0.50%	SOLE
43	VANGUARD GROWTH ETF	ETF	$618K	1417	0.47%	SOLE
44	VANGUARD FINANCIALS ETF	ETF	$591K	4900	0.45%	SOLE
45	SPDR SP INTL SMALL CAP ETF	ETF	$519K	12304	0.39%	SOLE
46	VANGUARD SP SMALL-CAP 600 VALUE ETF	ETF	$451K	4433	0.34%	SOLE
47	ISHARES MSCI EAFE SMALL-CAP ETF	ETF	$447K	5707	0.34%	SOLE
48	UNITEDHEALTH GROUP INC	COM	$424K	1559	0.32%	SOLE
49	MICROSOFT CORP	COM	$423K	1143	0.32%	SOLE
50	INVESCO BULLETSHARES 2027 CORP BOND ETF	ETF	$406K	20716	0.31%	SOLE

1

SCHWAB SHORT-TERM US TREASURY ETF

$10.7M

543605

8.11%

2

VANGUARD SHORT-TERM BOND ETF

$8.4M

113554

6.38%

3

SCHWAB US BROAD MARKET ETF

$8.3M

329111

6.26%

4

ISHARES MSCI EAFE VALUE ETF

$7.0M

94262

5.32%

5

SCHWAB US LARGE-CAP VALUE ETF

$5.9M

192937

4.46%

6

VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF

$5.8M

40084

4.43%

7

VANGUARD SMALL-CAP ETF

$5.7M

21764

4.32%

8

SCHWAB INTL EQUITY ETF

$5.1M

206988

3.88%

9

VANGUARD SMALL-CAP VALUE ETF

$5.1M

23570

3.88%

10

VANGUARD TOTAL STOCK MARKET ETF

$4.7M

14577

3.55%

11

SCHWAB US SMALL-CAP ETF

$4.2M

143553

3.17%

12

SPDR PORTFOLIO SP 500 MOMENTUM ETF

$3.8M

49502

2.87%

13

WISDOMTREE INTL SMALLCAP DIVIDEND FUND

$3.0M

37269

2.30%

14

VANGUARD VALUE ETF

$2.6M

13231

1.97%

15

SPDR PORTFOLIO EMERGING MARKETS ETF

$2.5M

54185

1.93%

16

AVANTIS INTL SMALL CAP VALUE ETF

$2.5M

25135

1.90%

17

VANGUARD INFORMATION TECHNOLOGY ETF

$2.3M

3260

1.72%

18

WISDOMTREE TRUE DEVELOPED INTL FUND

$2.1M

31003

1.60%

19

SCHWAB INTL SMALL-CAP EQUITY ETF

$2.0M

43452

1.54%

20

ISHARES SELECT DIVIDEND ETF

$1.8M

12082

1.39%

21

SCHWAB EMERGING MARKETS EQUITY ETF

$1.7M

51482

1.29%

22

SPDR SP 600 SMALL CAP VALUE ETF

$1.6M

16962

1.22%

23

APPLE INC

$1.6M

6270

1.21%

24

SPDR PORTFOLIO SP 600 SMALL CAP ETF

$1.6M

32884

1.20%

25

BERKSHIRE HATHAWAY INC

$1.6M

3306

1.20%

26

ISHARES RUSSELL 3000 ETF

$1.3M

3412

0.96%

27

VANGUARD TOTAL INTL STOCK ETF

$1.2M

14932

0.87%

28

ISHARES RUSSELL 1000 VALUE ETF

$1.1M

5146

0.83%

29

VANGUARD FTSE EMERGING MARKETS ETF

$1.0M

19235

0.79%

30

ISHARES CORE SP SMALL-CAP ETF

$954K

7681

0.72%

31

VANGUARD CONSUMER DISCRETIONARY ETF

$840K

2340

0.64%

32

VANGUARD SP 500 ETF

$795K

1332

0.60%

33

INVESCO BULLETSHARES 2026 CORP BOND ETF

$779K

39934

0.59%

34

VANGUARD SHORT-TERM CORP BOND ETF

$749K

9452

0.57%

35

INVESCO SP 500 LOW VOLATILITY ETF

$742K

10157

0.56%

36

BERKSHIRE HATHAWAY INC

$718K

1

0.54%

37

MEDTRONIC PLC

$687K

7933

0.52%

38

VANGUARD HEALTH CARE ETF

$683K

2510

0.52%

39

VANGUARD RUSSELL 1000 VALUE ETF

$682K

7279

0.52%

40

WISDOMTREE INTL EQUITY FUND

$674K

9652

0.51%

41

INVESCO RAFI DEVELOPED MARKETS EX-US ETF

$661K

9458

0.50%

42

VANGUARD DIVIDEND APPRECIATION ETF

$659K

3065

0.50%

43

VANGUARD GROWTH ETF

$618K

1417

0.47%

44

VANGUARD FINANCIALS ETF

$591K

4900

0.45%

45

SPDR SP INTL SMALL CAP ETF

$519K

12304

0.39%

46

VANGUARD SP SMALL-CAP 600 VALUE ETF

$451K

4433

0.34%

47

ISHARES MSCI EAFE SMALL-CAP ETF

$447K

5707

0.34%

48

UNITEDHEALTH GROUP INC

$424K

1559

0.32%

49

MICROSOFT CORP

$423K

1143

0.32%

50

INVESCO BULLETSHARES 2027 CORP BOND ETF

$406K

20716

0.31%

Phillip James Consulting Co.

Mar 2026 (Q1)