{"url":"https://nivawealth.com/firms/cutler-investment-counsel-128483","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/128483","regulatoryAum":1541676261,"crd":"128483","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6566083","suffix":null,"lastName":"ANDERSON","firstName":"BROOK","middleName":"AUSTIN"},{"crd":"2762853","suffix":"MRS.","lastName":"ASHLAND","firstName":"BROOKE","middleName":"CUTLER"},{"crd":"6188496","suffix":null,"lastName":"BARNEY","firstName":"ELLERY","middleName":"Elizabeth"},{"crd":"6573001","suffix":null,"lastName":"Burkhart","firstName":"Christine","middleName":"Renae"},{"crd":"7337078","suffix":null,"lastName":"CAUGHELL","firstName":"THOMAS","middleName":"JAKE"},{"crd":"5112049","suffix":null,"lastName":"CHIANG","firstName":"TINGWEI","middleName":null},{"crd":"4351369","suffix":null,"lastName":"FISCHER","firstName":"CAROL","middleName":"SUE"},{"crd":"1780912","suffix":null,"lastName":"GARDNER","firstName":"RANDY","middleName":"SCOTT"},{"crd":"6985506","suffix":null,"lastName":"HECKENKAMP","firstName":"CHRISTOPHER","middleName":"JAMES"},{"crd":"6111966","suffix":null,"lastName":"LEROY","firstName":"JENNIFER","middleName":"ANN"},{"crd":"4668763","suffix":null,"lastName":"LU","firstName":"JOSEPH","middleName":"JING-TING"},{"crd":"6274063","suffix":null,"lastName":"LUND","firstName":"ALEXANDER","middleName":"OTTO"},{"crd":"6691921","suffix":null,"lastName":"Moreton","firstName":"Christopher","middleName":"L"},{"crd":"2916012","suffix":null,"lastName":"NIEDWICK","firstName":"SUSAN","middleName":"LEANN"},{"crd":"4670959","suffix":null,"lastName":"PATTEN","firstName":"ERICH","middleName":"MARK"},{"crd":"2762796","suffix":null,"lastName":"PATTEN","firstName":"MATTHEW","middleName":"CUTLER"},{"crd":"6978761","suffix":null,"lastName":"Raffensperger","firstName":"Madison","middleName":"Raye"},{"crd":"4330498","suffix":null,"lastName":"RUSSO","firstName":"DEAN","middleName":"ANTHONY"},{"crd":"1739030","suffix":null,"lastName":"SHAMBURGER","firstName":"MICHAEL","middleName":"WAYNE"},{"crd":"8154611","suffix":null,"lastName":"Swanson","firstName":"Nicholas","middleName":"Huy"},{"crd":"6167871","suffix":null,"lastName":"SWEET","firstName":"RYAN","middleName":"LANSING"}],"total":21,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-04-30","regulatoryAum":750000000,"clients":1226,"employees":12,"offices":4},{"filedOn":"2022-03-31","regulatoryAum":971000000,"clients":640,"employees":14,"offices":5},{"filedOn":"2023-03-24","regulatoryAum":1054066040,"clients":820,"employees":20,"offices":6},{"filedOn":"2024-07-25","regulatoryAum":1177313040,"clients":960,"employees":20,"offices":4},{"filedOn":"2025-07-11","regulatoryAum":1309990254,"clients":973,"employees":22,"offices":4},{"filedOn":"2026-08-12","regulatoryAum":1541676261,"clients":1074,"employees":23,"offices":4}],"secFileNumber":"801-62469","legalName":"Cutler Investment Counsel, LLC","displayName":"Cutler Investment Counsel","slug":"cutler-investment-counsel-128483","website":"https://cutler.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/812471/","founded":null,"organization":"Oregon limited liability company","fiscalYearEnd":"December","headquarters":{"street":"525 Bigham Knoll","city":"Jacksonville","state":"OR","stateName":"Oregon","country":"United States","postalCode":"97530"},"tradeNames":["Cutler Investment Group"],"registration":{"secApproved":"31 October 2003","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1035586.9251844046,"staff":{"employees":23,"advisory":17,"brokerDealerReps":0,"insuranceAgents":0,"promoters":3},"aum":{"regulatory":1541676261,"discretionary":1335925929,"discretionaryAccounts":1765,"nonDiscretionary":205750332,"nonDiscretionaryAccounts":82,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":11},"clientTypes":[{"label":"Individuals (other than HNW)","clients":583,"regulatoryAum":194746222},{"label":"High-net-worth individuals","clients":366,"regulatoryAum":788025770},{"label":"Investment companies","clients":1,"regulatoryAum":90501949},{"label":"Pension and profit-sharing plans","clients":86,"regulatoryAum":410280190},{"label":"Charitable organizations","clients":12,"regulatoryAum":24144462},{"label":"Corporations and other businesses","clients":26,"regulatoryAum":33977668}],"feePrograms":[{"role":"main","program":"Individually Managed Accounts","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022865","versionId":1022865,"ratePeriod":"not_stated","fee_billing":"arrears","submittedOn":"2026-03-20","documentName":"BROCHURE TO WEALTH MANAGEMENT CLIENTS","fee_rate_low":1,"fee_rate_high":1.25,"fee_negotiable":null,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Comprehensive Financial Planning","summary":"Stand-alone comprehensive financial planning is an annual retainer starting at a minimum of $5,000, depending on scope and complexity.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022865","versionId":1022865,"submittedOn":"2026-03-20","documentName":"BROCHURE TO WEALTH MANAGEMENT CLIENTS"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T04:33:07.506083+00:00","documents":[{"name":"BROCHURE TO WEALTH MANAGEMENT CLIENTS","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022865","versionId":1022865,"submittedOn":"2026-03-20"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1052197","versionId":1052197,"submittedOn":null}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":996737701},{"name":"Empower Financial Services, Inc.","shortName":"Empower","location":"Greenwood Village, CO","smaAssets":180425666}],"custodyNote":"Cutler Investment Counsel has custody of $209M in client assets for 566 clients.","leadership":[{"name":"Matthew Patten","title":"Chief Executive Officer, Member","crd":"2762796"},{"name":"Erich Patten","title":"President, Member","crd":"4670959"},{"name":"Brook Anderson","title":"Chief Operating","crd":"6566083"},{"name":"Brooke Ashland","title":"Chief Compliance Officer","crd":"2762853"}],"ownership":[{"label":"Matthew Patten","detail":"Chief executive officer, member in the 25% to 50% ownership band and a control person, since October 2003."},{"label":"Erich Patten","detail":"President, member in the 25% to 50% ownership band and a control person, since October 2003."}],"filedOffices":{"otherThanPrincipal":3,"privateResidences":0},"listedOfficeAddresses":4,"foreignOffices":[],"officesByState":[{"state":"Alaska","offices":1,"addresses":[{"street":"725 E. Firewood Lane","city":"Anchorage"}]},{"state":"California","offices":1,"addresses":[{"street":"220 Newport Center Drive","city":"Newport Beach"}]},{"state":"Oregon","offices":1,"addresses":[{"street":"525 Bigham Knoll","city":"Jacksonville","headquarters":true}]},{"state":"Washington","offices":1,"addresses":[{"street":"10655 Ne 4th St","city":"Bellevue"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"541-770-9000","stateRegisteredReps":18,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for investment companies","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services"],"financialPlanningClients":"500","assetMix":[{"label":"Exchange-traded equity securities","percent":27},{"label":"U.S. government/agency bonds","percent":2},{"label":"U.S. state and local bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":67},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"12 August 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/128483/PDF/128483.pdf","brochureDate":"20 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022865","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Cutler Investment Counsel have?","answer":"Cutler Investment Counsel has 1,074 clients and manages $1.54 billion for them, as of August 2026. They include 583 individual clients, 366 high-net-worth individuals, and 86 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 12 August 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Cutler Investment Counsel offer?","answer":"Cutler Investment Counsel provides financial planning, portfolio management for individuals and small businesses, portfolio management for investment companies, portfolio management for institutions, and pension consulting.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Cutler Investment Counsel charge?","answer":"Cutler Investment Counsel charges 1.00%–1.25% for its Individually Managed Accounts. The brochure does not state whether the rate is annual. The fee is billed in arrears.","source":"BROCHURE TO WEALTH MANAGEMENT CLIENTS, filed 20 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Cutler Investment Counsel use?","answer":"Cutler Investment Counsel’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $997M and Empower Financial Services, Inc. (Greenwood Village, CO), with $180M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 12 August 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Cutler Investment Counsel have?","answer":"Cutler Investment Counsel has 18 investment adviser representatives registered with state securities authorities, out of 23 employees, and 17 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Cutler Investment Counsel invest in?","answer":"At the end of its last fiscal year, Cutler Investment Counsel’s separately managed accounts held 67% registered funds (mutual funds, ETFs, BDCs), 27% exchange-traded equities, 3% cash and equivalents, 2% U.S. government and agency bonds and 1% state and local bonds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Cutler Investment Counsel?","answer":"Cutler Investment Counsel’s direct owners are Matthew Patten and Erich Patten, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 12 August 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Cutler Investment Counsel get paid?","answer":"Cutler Investment Counsel is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Cutler Investment Counsel registered with the SEC?","answer":"Yes, Cutler Investment Counsel has been registered with the SEC as an investment adviser since 31 October 2003. Its CRD number is 128483 and its SEC file number is 801-62469.","source":"Form ADV Part 1A, Item 1, filed 12 August 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Cutler Investment Counsel?","answer":"Cutler Investment Counsel’s main office is at 525 Bigham Knoll, Jacksonville, OR 97530. Its phone number is 541-770-9000. Its website is cutler.com.","source":"Form ADV Part 1A, Item 1.F, filed 12 August 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/cutler-investment-counsel-128483/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-14","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1285973/000208585326000715/0002085853-26-000715-index.html","totalValue":1062274748,"positionCount":157,"top10Share":0.36543546830127605,"top10":[{"issuer":"VANGUARD INDEX FDS","titleOfClass":"MID CAP ETF","cusip":"922908629","value":52735462,"shares":654530,"shareType":"SH","priorValue":46312636,"priorShares":161267},{"issuer":"ISHARES TR","titleOfClass":"CORE MSCI EAFE","cusip":"46432F842","value":48051633,"shares":497532,"shareType":"SH","priorValue":44434150,"priorShares":490822},{"issuer":"ISHARES TR","titleOfClass":"ISHS 1-5YR INVS","cusip":"464288646","value":46211259,"shares":881726,"shareType":"SH","priorValue":44838288,"priorShares":853088},{"issuer":"SPDR INDEX SHS FDS","titleOfClass":"ST PORT MARK ETF","cusip":"78463X509","value":41859836,"shares":808417,"shareType":"SH","priorValue":37605011,"priorShares":801642},{"issuer":"J P MORGAN EXCHANGE TRADED F","titleOfClass":"INTRNL RES EQT","cusip":"46641Q134","value":39627334,"shares":480390,"shareType":"SH","priorValue":35402357,"priorShares":467420},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P US GWT","cusip":"464287671","value":35621393,"shares":189385,"shareType":"SH","priorValue":29186238,"priorShares":188165},{"issuer":"CATERPILLAR INC","titleOfClass":"COM","cusip":"149123101","value":32932450,"shares":30925,"shareType":"SH","priorValue":26796330,"priorShares":37823},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P SCP ETF","cusip":"464287804","value":30892958,"shares":208300,"shareType":"SH","priorValue":25531432,"priorShares":205385},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"GROWTH ETF","cusip":"922908736","value":30637845,"shares":355675,"shareType":"SH","priorValue":25693555,"priorShares":58824},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR AGGRE ETF","cusip":"78464A649","value":29622700,"shares":1160764,"shareType":"SH","priorValue":28665146,"priorShares":1118858}],"positionsListed":157,"positions":[{"issuer":"VANGUARD INDEX FDS","titleOfClass":"MID CAP ETF","cusip":"922908629","value":52735462,"shares":654530,"shareType":"SH","priorValue":46312636,"priorShares":161267},{"issuer":"ISHARES TR","titleOfClass":"CORE MSCI EAFE","cusip":"46432F842","value":48051633,"shares":497532,"shareType":"SH","priorValue":44434150,"priorShares":490822},{"issuer":"ISHARES TR","titleOfClass":"ISHS 1-5YR INVS","cusip":"464288646","value":46211259,"shares":881726,"shareType":"SH","priorValue":44838288,"priorShares":853088},{"issuer":"SPDR INDEX SHS FDS","titleOfClass":"ST PORT MARK ETF","cusip":"78463X509","value":41859836,"shares":808417,"shareType":"SH","priorValue":37605011,"priorShares":801642},{"issuer":"J P MORGAN EXCHANGE TRADED F","titleOfClass":"INTRNL RES EQT","cusip":"46641Q134","value":39627334,"shares":480390,"shareType":"SH","priorValue":35402357,"priorShares":467420},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P US GWT","cusip":"464287671","value":35621393,"shares":189385,"shareType":"SH","priorValue":29186238,"priorShares":188165},{"issuer":"CATERPILLAR INC","titleOfClass":"COM","cusip":"149123101","value":32932450,"shares":30925,"shareType":"SH","priorValue":26796330,"priorShares":37823},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P SCP ETF","cusip":"464287804","value":30892958,"shares":208300,"shareType":"SH","priorValue":25531432,"priorShares":205385},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"GROWTH ETF","cusip":"922908736","value":30637845,"shares":355675,"shareType":"SH","priorValue":25693555,"priorShares":58824},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR AGGRE ETF","cusip":"78464A649","value":29622700,"shares":1160764,"shareType":"SH","priorValue":28665146,"priorShares":1118858},{"issuer":"ISHARES TR","titleOfClass":"US TREAS BD ETF","cusip":"46429B267","value":26191570,"shares":1149762,"shareType":"SH","priorValue":25472458,"priorShares":1111849},{"issuer":"MICROSOFT CORP","titleOfClass":"COM","cusip":"594918104","value":25089861,"shares":67261,"shareType":"SH","priorValue":25007693,"priorShares":67557},{"issuer":"WALMART INC","titleOfClass":"COM","cusip":"931142103","value":24587816,"shares":217092,"shareType":"SH","priorValue":27085755,"priorShares":217517},{"issuer":"RTX CORPORATION","titleOfClass":"COM","cusip":"75513E101","value":21861220,"shares":115223,"shareType":"SH","priorValue":22176841,"priorShares":114965},{"issuer":"DEERE & CO","titleOfClass":"COM","cusip":"244199105","value":20548976,"shares":32312,"shareType":"SH","priorValue":18275324,"priorShares":32350},{"issuer":"SCHWAB CHARLES CORP","titleOfClass":"COM","cusip":"808513105","value":17238745,"shares":186829,"shareType":"SH","priorValue":17511379,"priorShares":186331},{"issuer":"BLACKROCK INC","titleOfClass":"COM","cusip":"09290D101","value":16857029,"shares":17531,"shareType":"SH","priorValue":16829785,"priorShares":17500},{"issuer":"TEXAS INSTRS INC","titleOfClass":"COM","cusip":"882508104","value":16850702,"shares":56533,"shareType":"SH","priorValue":10937755,"priorShares":56340},{"issuer":"REPUBLIC SVCS INC","titleOfClass":"COM","cusip":"760759100","value":16516263,"shares":77512,"shareType":"SH","priorValue":16979938,"priorShares":77527},{"issuer":"EXXON MOBIL CORP","titleOfClass":"COM","cusip":"30231G102","value":16331064,"shares":119449,"shareType":"SH","priorValue":20190977,"priorShares":119008},{"issuer":"NEXTERA ENERGY INC","titleOfClass":"COM","cusip":"65339F101","value":16272140,"shares":185395,"shareType":"SH","priorValue":12478930,"priorShares":134355},{"issuer":"HOME DEPOT INC","titleOfClass":"COM","cusip":"437076102","value":16231292,"shares":46023,"shareType":"SH","priorValue":15196209,"priorShares":46205},{"issuer":"CVS HEALTH CORP","titleOfClass":"COM","cusip":"126650100","value":15507282,"shares":149901,"shareType":"SH","priorValue":10738124,"priorShares":149514},{"issuer":"JPMORGAN CHASE & CO","titleOfClass":"COM","cusip":"46625H100","value":14932712,"shares":45620,"shareType":"SH","priorValue":13508042,"priorShares":45921},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR P500ETF","cusip":"78464A854","value":13829051,"shares":157363,"shareType":"SH","priorValue":11158145,"priorShares":145782},{"issuer":"MCDONALDS CORP","titleOfClass":"COM","cusip":"580135101","value":13625947,"shares":50409,"shareType":"SH","priorValue":15646529,"priorShares":50344},{"issuer":"INVESCO EXCHANGE TRADED FD T","titleOfClass":"S&P500 PUR GWT","cusip":"46137V266","value":13069470,"shares":204690,"shareType":"SH","priorValue":9625949,"priorShares":205947},{"issuer":"JOHNSON & JOHNSON","titleOfClass":"COM","cusip":"478160104","value":12710234,"shares":50046,"shareType":"SH","priorValue":12178738,"priorShares":49823},{"issuer":"INTERNATIONAL BUSINESS MACHS","titleOfClass":"COM","cusip":"459200101","value":11923750,"shares":42402,"shareType":"SH","priorValue":10276698,"priorShares":42397},{"issuer":"MERCK & CO INC","titleOfClass":"COM","cusip":"58933Y105","value":11350644,"shares":87765,"shareType":"SH","priorValue":10614047,"priorShares":87631},{"issuer":"CHEVRON CORPORATION","titleOfClass":"COM","cusip":"166764100","value":10941565,"shares":66008,"shareType":"SH","priorValue":13615365,"priorShares":65806},{"issuer":"PNC FINL SVCS GROUP INC","titleOfClass":"COM","cusip":"693475105","value":10836358,"shares":44011,"shareType":"SH","priorValue":9168998,"priorShares":44063},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":10659809,"shares":14234,"shareType":"SH","priorValue":9054010,"priorShares":13861},{"issuer":"CARRIER GLOBAL CORPORATION","titleOfClass":"COM","cusip":"14448C104","value":10657795,"shares":145301,"shareType":"SH","priorValue":8188553,"priorShares":145419},{"issuer":"VERIZON COMMUNICATIONS INC","titleOfClass":"COM","cusip":"92343V104","value":9894452,"shares":233690,"shareType":"SH","priorValue":11722157,"priorShares":233509},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"FTSE SMCAP ETF","cusip":"922042718","value":9871109,"shares":63978,"shareType":"SH","priorValue":9063037,"priorShares":62165},{"issuer":"KROGER CO","titleOfClass":"COM","cusip":"501044101","value":9708027,"shares":174825,"shareType":"SH","priorValue":12662727,"priorShares":174996},{"issuer":"ISHARES TR","titleOfClass":"GLOBAL REIT ETF","cusip":"46434V647","value":9503636,"shares":344085,"shareType":"SH","priorValue":8319638,"priorShares":330801},{"issuer":"M & T BK CORP","titleOfClass":"COM","cusip":"55261F104","value":9220874,"shares":38742,"shareType":"SH","priorValue":8011097,"priorShares":38753},{"issuer":"MEDTRONIC PLC","titleOfClass":"SHS","cusip":"G5960L103","value":9043987,"shares":114555,"shareType":"SH","priorValue":10035672,"priorShares":114878},{"issuer":"CISCO SYS INC","titleOfClass":"COM","cusip":"17275R102","value":9022808,"shares":76816,"shareType":"SH","priorValue":513957,"priorShares":6624},{"issuer":"VANECK ETF TRUST","titleOfClass":"JP MRGAN EM LOC","cusip":"92189H300","value":8725240,"shares":341363,"shareType":"SH","priorValue":8365107,"priorShares":333138},{"issuer":"PROCTER & GAMBLE CO","titleOfClass":"COM","cusip":"742718109","value":8676479,"shares":59169,"shareType":"SH","priorValue":8598264,"priorShares":59528},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US SML CAP ETF","cusip":"808524607","value":7912293,"shares":218995,"shareType":"SH","priorValue":5868352,"priorShares":201800},{"issuer":"VANGUARD BD INDEX FDS","titleOfClass":"INTERMED TERM","cusip":"921937819","value":7884179,"shares":102792,"shareType":"SH","priorValue":7040203,"priorShares":91218},{"issuer":"QNITY ELECTRONICS INC","titleOfClass":"COMMON STOCK","cusip":"74743L100","value":7818680,"shares":47876,"shareType":"SH","priorValue":5519352,"priorShares":47836},{"issuer":"PEPSICO INC","titleOfClass":"COM","cusip":"713448108","value":7686006,"shares":56765,"shareType":"SH","priorValue":8783823,"priorShares":56564},{"issuer":"VANGUARD TAX-MANAGED FDS","titleOfClass":"VAN FTSE DEV MKT","cusip":"921943858","value":7663211,"shares":107554,"shareType":"SH","priorValue":6179325,"priorShares":96431},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"VALUE ETF","cusip":"922908744","value":7574681,"shares":34757,"shareType":"SH","priorValue":6567893,"priorShares":33475},{"issuer":"ISHARES TR","titleOfClass":"MSCI EAFE MIN VL","cusip":"46429B689","value":7039955,"shares":80264,"shareType":"SH","priorValue":7394856,"priorShares":80933},{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":6966411,"shares":24075,"shareType":"SH","priorValue":6150260,"priorShares":24234},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"TOTAL STK MKT","cusip":"922908769","value":6953428,"shares":18791,"shareType":"SH","priorValue":6122850,"priorShares":19086},{"issuer":"PHILLIPS 66","titleOfClass":"COM","cusip":"718546104","value":6640557,"shares":39282,"shareType":"SH","priorValue":7156928,"priorShares":39285},{"issuer":"BECTON DICKINSON & CO","titleOfClass":"COM","cusip":"075887109","value":6138086,"shares":40561,"shareType":"SH","priorValue":6378474,"priorShares":40568},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US DIVIDEND EQ","cusip":"808524797","value":5177043,"shares":163262,"shareType":"SH","priorValue":4815192,"priorShares":156949},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"FTSE EMR MKT ETF","cusip":"922042858","value":4855010,"shares":81337,"shareType":"SH","priorValue":3978338,"priorShares":73605},{"issuer":"INVESCO EXCH TRADED FD TR II","titleOfClass":"RAFI DVLPD MRKTS","cusip":"46138E735","value":4359432,"shares":96912,"shareType":"SH","priorValue":4251778,"priorShares":98035},{"issuer":"VANGUARD BD INDEX FDS","titleOfClass":"TOTAL BND MRKT","cusip":"921937835","value":4236733,"shares":57713,"shareType":"SH","priorValue":3638482,"priorShares":49409},{"issuer":"DUPONT DE NEMOURS INC","titleOfClass":"COMMON STOCK","cusip":"26614N201","value":4154608,"shares":30630,"shareType":"SH"},{"issuer":"PFIZER INC","titleOfClass":"COM","cusip":"717081103","value":3927639,"shares":163108,"shareType":"SH","priorValue":4580325,"priorShares":163117},{"issuer":"LENNAR CORP","titleOfClass":"CL A","cusip":"526057104","value":3746399,"shares":41401,"shareType":"SH","priorValue":3624627,"priorShares":41739},{"issuer":"BERKSHIRE HATHAWAY INC DEL","titleOfClass":"CL A","cusip":"084670108","value":3744250,"shares":5,"shareType":"SH","priorValue":1436280,"priorShares":2},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"FUNDAMENTAL US L","cusip":"808524771","value":3488703,"shares":112177,"shareType":"SH","priorValue":2115039,"priorShares":75944},{"issuer":"PROSHARES TR","titleOfClass":"S&P 500 DV ARIST","cusip":"74348A467","value":3450208,"shares":61435,"shareType":"SH","priorValue":3379863,"priorShares":31882},{"issuer":"AMAZON COM INC","titleOfClass":"COM","cusip":"023135106","value":3447361,"shares":14464,"shareType":"SH","priorValue":3012219,"priorShares":14463},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"TT WRLD ST ETF","cusip":"922042742","value":3430692,"shares":21859,"shareType":"SH","priorValue":2784255,"priorShares":20129},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"FUNDAMENTAL INTL","cusip":"808524748","value":3214889,"shares":66204,"shareType":"SH","priorValue":2748546,"priorShares":59287},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"REAL ESTATE ETF","cusip":"922908553","value":3213232,"shares":33322,"shareType":"SH","priorValue":2577461,"priorShares":29058},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"FUNDAMENTAL US S","cusip":"808524763","value":3097859,"shares":81394,"shareType":"SH","priorValue":2432369,"priorShares":75004},{"issuer":"S&P GLOBAL INC","titleOfClass":"COM","cusip":"78409V104","value":3091104,"shares":7590,"shareType":"SH","priorValue":3228331,"priorShares":7590},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"FUNDAMENTAL INTL","cusip":"808524755","value":3061577,"shares":58028,"shareType":"SH","priorValue":2568581,"priorShares":52495},{"issuer":"BERKSHIRE HATHAWAY INC DEL","titleOfClass":"CL B NEW","cusip":"084670702","value":3012849,"shares":6021,"shareType":"SH","priorValue":2716585,"priorShares":5669},{"issuer":"COSTCO WHOLESALE CORPORATION","titleOfClass":"COM","cusip":"22160K105","value":2746480,"shares":2936,"shareType":"SH","priorValue":2942940,"priorShares":2953},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL C","cusip":"02079K107","value":2634909,"shares":7457,"shareType":"SH","priorValue":2288386,"priorShares":7977},{"issuer":"MISSION PRODUCE INC","titleOfClass":"COM","cusip":"60510V108","value":2496533,"shares":211750,"shareType":"SH","priorValue":2913680,"priorShares":211750},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US LRG CAP ETF","cusip":"808524201","value":2120103,"shares":72039,"shareType":"SH","priorValue":1846822,"priorShares":72029},{"issuer":"VANGUARD SPECIALIZED FUNDS","titleOfClass":"DIV APP ETF","cusip":"921908844","value":1988167,"shares":8402,"shareType":"SH","priorValue":1807659,"priorShares":8405},{"issuer":"VANGUARD CHARLOTTE FDS","titleOfClass":"TOTAL INT BD ETF","cusip":"92203J407","value":1972279,"shares":40724,"shareType":"SH","priorValue":1926619,"priorShares":40096},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"SHRT TRM CORP BD","cusip":"92206C409","value":1770301,"shares":22400,"shareType":"SH","priorValue":1758475,"priorShares":22183},{"issuer":"NVIDIA CORPORATION","titleOfClass":"COM","cusip":"67066G104","value":1632237,"shares":8158,"shareType":"SH","priorValue":1459632,"priorShares":8369},{"issuer":"STARBUCKS CORP","titleOfClass":"COM","cusip":"855244109","value":1630158,"shares":15952,"shareType":"SH","priorValue":732238,"priorShares":8173},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"FUND EM EQUI ETF","cusip":"808524730","value":1535471,"shares":38696,"shareType":"SH","priorValue":1460817,"priorShares":38181},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL A","cusip":"02079K305","value":1408089,"shares":3940,"shareType":"SH","priorValue":1118269,"priorShares":3889},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"WORLD EX US CORE","cusip":"25434V880","value":1390864,"shares":37754,"shareType":"SH"},{"issuer":"STATE STR SPDR S&P 500 ETF T","titleOfClass":"TR UNIT","cusip":"78462F103","value":1376431,"shares":1839,"shareType":"SH","priorValue":1491341,"priorShares":2287},{"issuer":"INVESCO QQQ TR","titleOfClass":"UNIT SER 1","cusip":"46090E103","value":1364616,"shares":1851,"shareType":"SH","priorValue":1062434,"priorShares":1841},{"issuer":"VANGUARD WORLD FD","titleOfClass":"INF TECH ETF","cusip":"92204A702","value":1320330,"shares":11047,"shareType":"SH","priorValue":983721,"priorShares":1410},{"issuer":"TESLA INC","titleOfClass":"COM","cusip":"88160R101","value":1283251,"shares":3051,"shareType":"SH","priorValue":1135697,"priorShares":3055},{"issuer":"VANGUARD MUN BD FDS","titleOfClass":"TAX EXEMPT BD","cusip":"922907746","value":1069464,"shares":21144,"shareType":"SH","priorValue":1054875,"priorShares":21144},{"issuer":"IMMUNITYBIO INC","titleOfClass":"COM","cusip":"45256X103","value":977916,"shares":111698,"shareType":"SH","priorValue":767000,"priorShares":100000},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US AGGREGATE B","cusip":"808524839","value":899749,"shares":38900,"shareType":"SH","priorValue":903166,"priorShares":38896},{"issuer":"SPDR GOLD TR","titleOfClass":"GOLD SHS","cusip":"78463V107","value":732340,"shares":1988,"shareType":"SH","priorValue":815400,"priorShares":1895},{"issuer":"VANGUARD WHITEHALL FDS","titleOfClass":"HIGH DIV YLD","cusip":"921946406","value":705465,"shares":4464,"shareType":"SH","priorValue":641125,"priorShares":4329},{"issuer":"WELLS FARGO & CO","titleOfClass":"COM","cusip":"949746101","value":681037,"shares":8241,"shareType":"SH","priorValue":670078,"priorShares":8417},{"issuer":"LOWES COS INC","titleOfClass":"COM","cusip":"548661107","value":667534,"shares":3028,"shareType":"SH","priorValue":715339,"priorShares":3028},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P MCP ETF","cusip":"464287507","value":652197,"shares":8458,"shareType":"SH","priorValue":520522,"priorShares":7708},{"issuer":"BROADCOM INC","titleOfClass":"COM","cusip":"11135F101","value":650864,"shares":1723,"shareType":"SH","priorValue":556354,"priorShares":1798},{"issuer":"CUMMINS INC","titleOfClass":"COM","cusip":"231021106","value":649635,"shares":911,"shareType":"SH","priorValue":489850,"priorShares":910},{"issuer":"ISHARES TR","titleOfClass":"EAFE SML CP ETF","cusip":"464288273","value":643270,"shares":7819,"shareType":"SH","priorValue":631750,"priorShares":8057},{"issuer":"CENCORA INC","titleOfClass":"COM","cusip":"03073E105","value":638403,"shares":2256,"shareType":"SH","priorValue":769958,"priorShares":2451},{"issuer":"NORFOLK SOUTHN CORP","titleOfClass":"COM","cusip":"655844108","value":631697,"shares":2008,"shareType":"SH","priorValue":576296,"priorShares":2008},{"issuer":"ABBVIE INC","titleOfClass":"COM","cusip":"00287Y109","value":626081,"shares":2488,"shareType":"SH","priorValue":584614,"priorShares":2688},{"issuer":"AMGEN INC","titleOfClass":"COM","cusip":"031162100","value":605103,"shares":1671,"shareType":"SH","priorValue":271629,"priorShares":772},{"issuer":"ETFS GOLD TR","titleOfClass":"PHYSCL GOLD SHS","cusip":"00326A104","value":597765,"shares":15636,"shareType":"SH","priorValue":697679,"priorShares":15636},{"issuer":"VANGUARD WORLD FD","titleOfClass":"ESG INTL STK ETF","cusip":"921910725","value":574981,"shares":6983,"shareType":"SH","priorValue":523271,"priorShares":7295},{"issuer":"ISHARES TR","titleOfClass":"JPMORGAN USD EMG","cusip":"464288281","value":559449,"shares":5801,"shareType":"SH","priorValue":537092,"priorShares":5718},{"issuer":"TAIWAN SEMICONDUCTOR MANUFAC","titleOfClass":"SPONSORED ADS","cusip":"874039100","value":559349,"shares":1169,"shareType":"SH","priorValue":380234,"priorShares":1122},{"issuer":"SELECT SECTOR SPDR TR","titleOfClass":"ST STR UTIL ETF","cusip":"81369Y886","value":554871,"shares":12238,"shareType":"SH","priorValue":561602,"priorShares":12238},{"issuer":"PUBLIC SVC ENTERPRISE GROUP","titleOfClass":"COM","cusip":"744573106","value":549291,"shares":6768,"shareType":"SH","priorValue":547870,"priorShares":6768},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US LCAP VA ETF","cusip":"808524409","value":515363,"shares":14805,"shareType":"SH","priorValue":376828,"priorShares":12355},{"issuer":"VANGUARD WORLD FD","titleOfClass":"ESG US STK ETF","cusip":"921910733","value":505158,"shares":3820,"shareType":"SH","priorValue":432240,"priorShares":3850},{"issuer":"ISHARES SILVER TR","titleOfClass":"ISHARES","cusip":"46428Q109","value":495454,"shares":9266,"shareType":"SH","priorValue":631386,"priorShares":9266},{"issuer":"EMERSON ELEC CO","titleOfClass":"COM","cusip":"291011104","value":493868,"shares":3450,"shareType":"SH","priorValue":452019,"priorShares":3450},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US COR EQU 2 ETF","cusip":"25434V708","value":487748,"shares":10995,"shareType":"SH","priorValue":440090,"priorShares":11325},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"SML CP GRW ETF","cusip":"922908595","value":465121,"shares":1272,"shareType":"SH","priorValue":385918,"priorShares":1277},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"EXTEND MKT ETF","cusip":"922908652","value":465091,"shares":1889,"shareType":"SH","priorValue":388757,"priorShares":1889},{"issuer":"SPDR INDEX SHS FDS","titleOfClass":"ST STR PO EX ETF","cusip":"78463X889","value":462480,"shares":9178,"shareType":"SH","priorValue":418976,"priorShares":9178},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"SMALL CP ETF","cusip":"922908751","value":460137,"shares":1518,"shareType":"SH","priorValue":383713,"priorShares":1465},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"INTL EQTY ETF","cusip":"808524805","value":455139,"shares":16431,"shareType":"SH","priorValue":423077,"priorShares":17094},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"S&P 500 ETF SHS","cusip":"922908363","value":437361,"shares":637,"shareType":"SH","priorValue":378126,"priorShares":633},{"issuer":"GRANITE CONSTR INC","titleOfClass":"COM","cusip":"387328107","value":435078,"shares":2750,"shareType":"SH","priorValue":330028,"priorShares":2750},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"SM CP VAL ETF","cusip":"922908611","value":428392,"shares":1763,"shareType":"SH","priorValue":383012,"priorShares":1763},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTL CORE EQT MK","cusip":"25434V203","value":423971,"shares":10278,"shareType":"SH"},{"issuer":"VISA INC","titleOfClass":"COM CL A","cusip":"92826C839","value":377066,"shares":1099,"shareType":"SH","priorValue":318921,"priorShares":1055},{"issuer":"ISHARES INC","titleOfClass":"ESG AWR MSCI EM","cusip":"46434G863","value":370635,"shares":6777,"shareType":"SH","priorValue":339480,"priorShares":7466},{"issuer":"PIMCO ETF TR","titleOfClass":"ENHAN SHRT MA AC","cusip":"72201R833","value":369167,"shares":3662,"shareType":"SH","priorValue":432049,"priorShares":4296},{"issuer":"ROYAL BK CDA","titleOfClass":"COM","cusip":"780087102","value":364268,"shares":1760,"shareType":"SH","priorValue":294278,"priorShares":1819},{"issuer":"NETFLIX INC.","titleOfClass":"COM","cusip":"64110L106","value":340578,"shares":4770,"shareType":"SH","priorValue":468251,"priorShares":4870},{"issuer":"ISHARES TR","titleOfClass":"CORE US AGGBD ET","cusip":"464287226","value":335840,"shares":3393,"shareType":"SH","priorValue":331165,"priorShares":3336},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR P500GRW","cusip":"78464A409","value":328056,"shares":2757,"shareType":"SH","priorValue":269938,"priorShares":2757},{"issuer":"GLOBAL X FDS","titleOfClass":"ARTIFICIAL ETF","cusip":"37954Y632","value":319130,"shares":4864,"shareType":"SH","priorValue":227003,"priorShares":4864},{"issuer":"VANGUARD BD INDEX FDS","titleOfClass":"VANGUARD ULTRA","cusip":"92203C303","value":311922,"shares":6266,"shareType":"SH","priorValue":311953,"priorShares":6266},{"issuer":"ALASKA AIR GROUP INC","titleOfClass":"COM","cusip":"011659109","value":303652,"shares":5817,"shareType":"SH","priorValue":209978,"priorShares":5709},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US HIGH PROF ETF","cusip":"25434V831","value":293488,"shares":7033,"shareType":"SH"},{"issuer":"ISHARES TR","titleOfClass":"U.S. MED DVC ETF","cusip":"464288810","value":293024,"shares":5930,"shareType":"SH","priorValue":302655,"priorShares":5673},{"issuer":"ADVANCED MICRO DEVICES INC","titleOfClass":"COM","cusip":"007903107","value":289875,"shares":499,"shareType":"SH"},{"issuer":"COCA COLA CO","titleOfClass":"COM","cusip":"191216100","value":287013,"shares":3509,"shareType":"SH","priorValue":246653,"priorShares":3221},{"issuer":"ISHARES INC","titleOfClass":"CORE MSCI EMKT","cusip":"46434G103","value":286296,"shares":3456,"shareType":"SH","priorValue":241056,"priorShares":3456},{"issuer":"CORNING INC","titleOfClass":"COM","cusip":"219350105","value":283528,"shares":1110,"shareType":"SH"},{"issuer":"INVESCO EXCH TRADED FD TR II","titleOfClass":"RAFI DVLPD MRKTS","cusip":"46138E743","value":279490,"shares":3695,"shareType":"SH","priorValue":258281,"priorShares":3695},{"issuer":"META PLATFORMS INC","titleOfClass":"CL A","cusip":"30303M102","value":276017,"shares":490,"shareType":"SH","priorValue":283230,"priorShares":495},{"issuer":"ISHARES TR","titleOfClass":"S&P SML 600 GWT","cusip":"464287887","value":267770,"shares":1499,"shareType":"SH"},{"issuer":"ISHARES INC","titleOfClass":"MSCI EMRG CHN","cusip":"46434G764","value":262918,"shares":2570,"shareType":"SH","priorValue":201135,"priorShares":2557},{"issuer":"BP PLC","titleOfClass":"SPONSORED ADR","cusip":"055622104","value":254899,"shares":6898,"shareType":"SH","priorValue":323743,"priorShares":6888},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"INT-TERM CORP","cusip":"92206C870","value":241008,"shares":2916,"shareType":"SH","priorValue":241299,"priorShares":2916},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US EQUI MARK ETF","cusip":"25434V401","value":235250,"shares":2871,"shareType":"SH"},{"issuer":"GLOBAL X FDS","titleOfClass":"LITHIUM BTRY ETF","cusip":"37954Y855","value":233614,"shares":2972,"shareType":"SH","priorValue":220969,"priorShares":2972},{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 GRW ETF","cusip":"464287614","value":229467,"shares":1848,"shareType":"SH","priorValue":246000,"priorShares":577},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"GLB EX US ETF","cusip":"922042676","value":229087,"shares":5108,"shareType":"SH","priorValue":228422,"priorShares":5139},{"issuer":"ISHARES TR","titleOfClass":"ESG AWR US AGRGT","cusip":"46435U549","value":228943,"shares":4829,"shareType":"SH"},{"issuer":"PHILIP MORRIS INTL INC","titleOfClass":"COM","cusip":"718172109","value":224693,"shares":1232,"shareType":"SH"},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTERNATIONAL","cusip":"25434V690","value":218647,"shares":4848,"shareType":"SH"},{"issuer":"CENTERPOINT ENERGY INC","titleOfClass":"COM","cusip":"15189T107","value":218523,"shares":4962,"shareType":"SH","priorValue":214157,"priorShares":4962},{"issuer":"NIKE INC","titleOfClass":"CL B","cusip":"654106103","value":210455,"shares":4065,"shareType":"SH","priorValue":5711450,"priorShares":107298},{"issuer":"ISHARES TR","titleOfClass":"RUSSELL 2000 ETF","cusip":"464287655","value":208212,"shares":693,"shareType":"SH"},{"issuer":"PROSHARES TR","titleOfClass":"ULTRAPRO QQQ","cusip":"74347X831","value":205819,"shares":2541,"shareType":"SH"},{"issuer":"ELI LILLY & CO","titleOfClass":"COM","cusip":"532457108","value":201505,"shares":168,"shareType":"SH"}]},"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}