{"url":"https://nivawealth.com/firms/my-personal-cfo-299424","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/299424","regulatoryAum":365101816,"crd":"299424","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5566001","suffix":null,"lastName":"BERNAZZANI","firstName":"MARK","middleName":"A"},{"crd":"8006178","suffix":null,"lastName":"Colonna","firstName":"Jamie","middleName":"Elizabeth"}],"total":2,"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":"2021-06-16","regulatoryAum":141355357,"clients":40,"employees":2,"offices":1},{"filedOn":"2022-06-24","regulatoryAum":206721226,"clients":65,"employees":2,"offices":1},{"filedOn":"2023-03-06","regulatoryAum":196194676,"clients":94,"employees":4,"offices":1},{"filedOn":"2024-07-12","regulatoryAum":277508870,"clients":115,"employees":3,"offices":1},{"filedOn":"2025-02-27","regulatoryAum":334391343,"clients":82,"employees":4,"offices":1},{"filedOn":"2026-03-13","regulatoryAum":365101816,"clients":85,"employees":3,"offices":1}],"secFileNumber":"801-120606","legalName":"My Personal CFO, LLC","displayName":"My Personal CFO","slug":"my-personal-cfo-299424","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"2018","organization":"Washington limited liability company","fiscalYearEnd":"December","headquarters":{"street":"1220 Main Street, Suite 400","city":"Vancouver","state":"WA","stateName":"Washington","country":"United States","postalCode":"98660"},"tradeNames":[],"registration":{"secApproved":"16 April 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":4295315.482352941,"staff":{"employees":3,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":365101816,"discretionary":365101816,"discretionaryAccounts":458,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":36,"regulatoryAum":18046887},{"label":"High-net-worth individuals","clients":49,"regulatoryAum":347054929}],"feePrograms":[{"role":"main","program":"Wealth Management and Retirement Plan Fees","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1018556","versionId":1018556,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-13","documentName":"MY PERSONAL CFO, LLC DISCLOSURE BROCHURE","fee_rate_low":null,"fee_rate_high":0.85,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":4000},{"role":"other","program":"Financial planning and consulting","summary":"Stand-alone financial planning and consulting is billed at $350 an hour, with half the estimated fee due at signing.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1018556","versionId":1018556,"submittedOn":"2026-03-13","documentName":"MY PERSONAL CFO, LLC DISCLOSURE BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T10:34:14.11614+00:00","documents":[{"name":"MY PERSONAL CFO, LLC DISCLOSURE BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1018556","versionId":1018556,"submittedOn":"2026-03-13"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":343408885}],"custodyNote":"My Personal CFO has custody of $229M in client assets for 42 clients.","otherCustodians":[],"leadership":[{"name":"Mark Bernazzani","title":"Managing Member, Chief Executive Officer, and Chief Compliance Officer","crd":"5566001"}],"ownership":[{"label":"Mark Bernazzani","detail":"Managing member, chief executive officer, and chief compliance officer in the 75% or more ownership band and a control person, since October 2018."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Washington","offices":1,"addresses":[{"street":"1220 Main Street, Suite 400","city":"Vancouver","headquarters":true}]}],"brochureServices":["business succession planning","education planning","estate planning","insurance","philanthropic planning","retirement plan services","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"503-912-2090","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":29},{"label":"U.S. government/agency bonds","percent":6},{"label":"Securities issued by registered investment companies or business development companies","percent":59},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":3},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"13 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/299424/PDF/299424.pdf","brochureDate":"13 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1018556","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 My Personal CFO have?","answer":"My Personal CFO has 85 clients and manages $365 million for them, as of March 2026. They include 49 high-net-worth individuals and 36 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 13 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does My Personal CFO offer?","answer":"My Personal CFO provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, business succession planning, education planning, estate planning, insurance, philanthropic planning, retirement plan services, and tax planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does My Personal CFO charge?","answer":"My Personal CFO charges up to 0.85% a year for its Wealth Management and Retirement Plan Fees. The fee is billed in advance, is negotiable and has a $4,000 annual minimum.","source":"MY PERSONAL CFO, LLC DISCLOSURE BROCHURE, filed 13 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does My Personal CFO use?","answer":"My Personal CFO’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $343M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 13 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does My Personal CFO have?","answer":"My Personal CFO has 2 investment adviser representatives registered with state securities authorities, out of 3 employees, and 2 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 My Personal CFO invest in?","answer":"At the end of its last fiscal year, My Personal CFO’s separately managed accounts held 59% registered funds (mutual funds, ETFs, BDCs), 29% exchange-traded equities, 6% U.S. government and agency bonds, 3% pooled vehicles (private funds and similar) and 3% cash and equivalents.","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 My Personal CFO?","answer":"My Personal CFO’s direct owner is Mark Bernazzani (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 13 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does My Personal CFO get paid?","answer":"My Personal CFO is paid through a percentage of assets under management and hourly charges. 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":"How do I contact My Personal CFO?","answer":"My Personal CFO’s main office is at 1220 Main Street, Suite 400, Vancouver, WA 98660. Its phone number is 503-912-2090.","source":"Form ADV Part 1A, Item 1.F, filed 13 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/my-personal-cfo-299424/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-22","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1916366/000175496026000575/0001754960-26-000575-index.html","totalValue":256179409,"positionCount":91,"top10Share":0.5714261992071346,"top10":[{"issuer":"VANGUARD INDEX FDS","titleOfClass":"TOTAL STK MKT","cusip":"922908769","value":39678141,"shares":107227,"shareType":"SH","priorValue":34777790,"priorShares":108406},{"issuer":"MICROSOFT CORP","titleOfClass":"COM","cusip":"594918104","value":19414667,"shares":52047,"shareType":"SH","priorValue":17850566,"priorShares":48223},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTL CORE EQT MK","cusip":"25434V203","value":15946384,"shares":386579,"shareType":"SH","priorValue":12959872,"priorShares":332646},{"issuer":"AMERICAN CENTY ETF TR","titleOfClass":"US EQT ETF","cusip":"025072885","value":14145547,"shares":110443,"shareType":"SH","priorValue":13029103,"priorShares":117189},{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":11776129,"shares":40697,"shareType":"SH","priorValue":10968991,"priorShares":43221},{"issuer":"INVESCO QQQ TR","titleOfClass":"UNIT SER 1","cusip":"46090E103","value":10604543,"shares":14401,"shareType":"SH","priorValue":8259169,"priorShares":14310},{"issuer":"T ROWE PRICE EXCHANGE-TRADED","titleOfClass":"FLOATING RATE","cusip":"87283Q883","value":9234693,"shares":183192,"shareType":"SH","priorValue":8619168,"priorShares":171151},{"issuer":"OKTA INC","titleOfClass":"CL A","cusip":"679295105","value":9231798,"shares":67657,"shareType":"SH","priorValue":8800093,"priorShares":111804},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US CORE EQT MKT","cusip":"25434V104","value":8881846,"shares":171829,"shareType":"SH","priorValue":7535043,"priorShares":167000},{"issuer":"STATE STR SPDR S&P 500 ETF T","titleOfClass":"TR UNIT","cusip":"78462F103","value":7473878,"shares":10008,"shareType":"SH","priorValue":6367950,"priorShares":9792}],"positionsListed":91,"positions":[{"issuer":"VANGUARD INDEX FDS","titleOfClass":"TOTAL STK MKT","cusip":"922908769","value":39678141,"shares":107227,"shareType":"SH","priorValue":34777790,"priorShares":108406},{"issuer":"MICROSOFT CORP","titleOfClass":"COM","cusip":"594918104","value":19414667,"shares":52047,"shareType":"SH","priorValue":17850566,"priorShares":48223},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTL CORE EQT MK","cusip":"25434V203","value":15946384,"shares":386579,"shareType":"SH","priorValue":12959872,"priorShares":332646},{"issuer":"AMERICAN CENTY ETF TR","titleOfClass":"US EQT ETF","cusip":"025072885","value":14145547,"shares":110443,"shareType":"SH","priorValue":13029103,"priorShares":117189},{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":11776129,"shares":40697,"shareType":"SH","priorValue":10968991,"priorShares":43221},{"issuer":"INVESCO QQQ TR","titleOfClass":"UNIT SER 1","cusip":"46090E103","value":10604543,"shares":14401,"shareType":"SH","priorValue":8259169,"priorShares":14310},{"issuer":"T ROWE PRICE EXCHANGE-TRADED","titleOfClass":"FLOATING RATE","cusip":"87283Q883","value":9234693,"shares":183192,"shareType":"SH","priorValue":8619168,"priorShares":171151},{"issuer":"OKTA INC","titleOfClass":"CL A","cusip":"679295105","value":9231798,"shares":67657,"shareType":"SH","priorValue":8800093,"priorShares":111804},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US CORE EQT MKT","cusip":"25434V104","value":8881846,"shares":171829,"shareType":"SH","priorValue":7535043,"priorShares":167000},{"issuer":"STATE STR SPDR S&P 500 ETF T","titleOfClass":"TR UNIT","cusip":"78462F103","value":7473878,"shares":10008,"shareType":"SH","priorValue":6367950,"priorShares":9792},{"issuer":"ISHARES TR","titleOfClass":"EAFE SML CP ETF","cusip":"464288273","value":5992880,"shares":72844,"shareType":"SH","priorValue":5582451,"priorShares":71196},{"issuer":"ISHARES TR","titleOfClass":"SELECT DIVID ETF","cusip":"464287168","value":4305468,"shares":27546,"shareType":"SH","priorValue":4129454,"priorShares":27273},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US EQTY BUFR FEB","cusip":"45782C433","value":3814973,"shares":72470,"shareType":"SH","priorValue":3514944,"priorShares":73685},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US EQT BUFR APR","cusip":"45782C888","value":3639149,"shares":68328,"shareType":"SH","priorValue":3860995,"priorShares":78828},{"issuer":"APPLIED MATLS INC","titleOfClass":"COM","cusip":"038222105","value":3427743,"shares":4741,"shareType":"SH","priorValue":1654605,"priorShares":4841},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US EQTY BUF DEC","cusip":"45782C557","value":3396501,"shares":63841,"shareType":"SH","priorValue":3176741,"priorShares":66181},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"REAL ESTATE ETF","cusip":"922908553","value":3302471,"shares":34247,"shareType":"SH","priorValue":3033459,"priorShares":34199},{"issuer":"VANGUARD WHITEHALL FDS","titleOfClass":"INTL HIGH ETF","cusip":"921946794","value":3259681,"shares":33194,"shareType":"SH","priorValue":950312,"priorShares":10084},{"issuer":"VANGUARD WORLD FD","titleOfClass":"ENERGY ETF","cusip":"92204A306","value":3227157,"shares":21496,"shareType":"SH","priorValue":3712801,"priorShares":21456},{"issuer":"ADVANCED MICRO DEVICES INC","titleOfClass":"COM","cusip":"007903107","value":3131686,"shares":5391,"shareType":"SH","priorValue":1198406,"priorShares":5891},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"MID CAP ETF","cusip":"922908629","value":2985256,"shares":37052,"shareType":"SH","priorValue":3011420,"priorShares":10486},{"issuer":"BERKSHIRE HATHAWAY INC DEL","titleOfClass":"CL B NEW","cusip":"084670702","value":2867326,"shares":5730,"shareType":"SH","priorValue":2745904,"priorShares":5730},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US EQTY BUF NOV","cusip":"45782C581","value":2816726,"shares":58915,"shareType":"SH","priorValue":2535776,"priorShares":58940},{"issuer":"ISHARES TR","titleOfClass":"MSCI INTL QUALTY","cusip":"46434V456","value":2755553,"shares":55612,"shareType":"SH","priorValue":2669722,"priorShares":57749},{"issuer":"VANGUARD WHITEHALL FDS","titleOfClass":"HIGH DIV YLD","cusip":"921946406","value":2651269,"shares":16777,"shareType":"SH","priorValue":2542137,"priorShares":17165},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR P500ETF","cusip":"78464A854","value":2606169,"shares":29656,"shareType":"SH","priorValue":2274607,"priorShares":29718},{"issuer":"NVIDIA CORPORATION","titleOfClass":"COM","cusip":"67066G104","value":2588088,"shares":12935,"shareType":"SH","priorValue":2421523,"priorShares":13885},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"S&P 500 ETF SHS","cusip":"922908363","value":2485513,"shares":3619,"shareType":"SH","priorValue":5149640,"priorShares":8618},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US EQTY BUFR JAN","cusip":"45782C409","value":2466300,"shares":41894,"shareType":"SH","priorValue":2241727,"priorShares":42035},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":2251590,"shares":3007,"shareType":"SH","priorValue":1941125,"priorShares":2972},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US EQTY BUFR MAR","cusip":"45782C391","value":2215082,"shares":38438,"shareType":"SH","priorValue":2338778,"priorShares":44558},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US EQTY BUFR JUL","cusip":"45782C789","value":2159094,"shares":39755,"shareType":"SH","priorValue":2323055,"priorShares":46755},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"INTRNL DEV JAN","cusip":"45782C524","value":2156427,"shares":56629,"shareType":"SH","priorValue":2054536,"priorShares":56630},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US DIVIDEND EQ","cusip":"808524797","value":2152782,"shares":67890,"shareType":"SH","priorValue":1855266,"priorShares":60471},{"issuer":"JPMORGAN CHASE FINL CO LLC","titleOfClass":"CAL LKD 44","cusip":"48133Q309","value":2141275,"shares":62084,"shareType":"SH","priorValue":2147627,"priorShares":62124},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"GRWT100 PWR BF","cusip":"45782C466","value":2124720,"shares":36000,"shareType":"SH","priorValue":1921320,"priorShares":36000},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P TTL STK","cusip":"464287150","value":2018385,"shares":12287,"shareType":"SH","priorValue":1750037,"priorShares":12287},{"issuer":"AMAZON COM INC","titleOfClass":"COM","cusip":"023135106","value":1863217,"shares":7817,"shareType":"SH","priorValue":317294,"priorShares":1523},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"FTSE EMR MKT ETF","cusip":"922042858","value":1626913,"shares":27256,"shareType":"SH","priorValue":1332162,"priorShares":24647},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US EQTY BUF SEP","cusip":"45782C664","value":1244955,"shares":23610,"shareType":"SH","priorValue":1135251,"priorShares":23610},{"issuer":"VANGUARD WORLD FD","titleOfClass":"ESG US STK ETF","cusip":"921910733","value":1149959,"shares":8696,"shareType":"SH","priorValue":976300,"priorShares":8696},{"issuer":"ISHARES TR","titleOfClass":"US HLTHCARE ETF","cusip":"464287762","value":1072160,"shares":16000,"shareType":"SH","priorValue":1109520,"priorShares":18000},{"issuer":"JOHNSON & JOHNSON","titleOfClass":"COM","cusip":"478160104","value":1072007,"shares":4221,"shareType":"SH","priorValue":1031781,"priorShares":4221},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US EQTY BUF OCT","cusip":"45782C771","value":1028617,"shares":19400,"shareType":"SH","priorValue":1138967,"priorShares":23735},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"EMRGNG MKT JAN","cusip":"45782C516","value":971564,"shares":26990,"shareType":"SH","priorValue":915771,"priorShares":26990},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US EQTY BUFR JUN","cusip":"45782C755","value":928814,"shares":19080,"shareType":"SH","priorValue":905634,"priorShares":19580},{"issuer":"JPMORGAN CHASE & CO","titleOfClass":"COM","cusip":"46625H100","value":893611,"shares":2730,"shareType":"SH","priorValue":819236,"priorShares":2785},{"issuer":"VANGUARD BD INDEX FDS","titleOfClass":"TOTAL BND MRKT","cusip":"921937835","value":808634,"shares":11015,"shareType":"SH","priorValue":557862,"priorShares":7576},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"INTL EQTY ETF","cusip":"808524805","value":799436,"shares":28861,"shareType":"SH","priorValue":727433,"priorShares":29391},{"issuer":"VANGUARD WORLD FD","titleOfClass":"INF TECH ETF","cusip":"92204A702","value":715539,"shares":5987,"shareType":"SH","priorValue":521879,"priorShares":748},{"issuer":"ISHARES TR","titleOfClass":"CORE MSCI EAFE","cusip":"46432F842","value":713195,"shares":7385,"shareType":"SH","priorValue":657231,"priorShares":7260},{"issuer":"SELECT SECTOR SPDR TR","titleOfClass":"ST STR TECHN ETF","cusip":"81369Y803","value":677845,"shares":3558,"shareType":"SH","priorValue":489548,"priorShares":3684},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"SMALL CP ETF","cusip":"922908751","value":633851,"shares":2091,"shareType":"SH","priorValue":547165,"priorShares":2089},{"issuer":"ISHARES TR","titleOfClass":"ISHARES BIOTECH","cusip":"464287556","value":616216,"shares":3240,"shareType":"SH","priorValue":547074,"priorShares":3240},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US EQTY BUFR MAY","cusip":"45782C326","value":615077,"shares":12990,"shareType":"SH","priorValue":574376,"priorShares":12800},{"issuer":"ISHARES TR","titleOfClass":"RUS MID CAP ETF","cusip":"464287499","value":596762,"shares":5409,"shareType":"SH","priorValue":525882,"priorShares":5409},{"issuer":"VANGUARD BD INDEX FDS","titleOfClass":"SHORT TRM BOND","cusip":"921937827","value":585814,"shares":7519,"shareType":"SH","priorValue":817035,"priorShares":10420},{"issuer":"VANGUARD TAX-MANAGED FDS","titleOfClass":"VAN FTSE DEV MKT","cusip":"921943858","value":571858,"shares":8026,"shareType":"SH","priorValue":671324,"priorShares":10476},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P MCP ETF","cusip":"464287507","value":551741,"shares":7155,"shareType":"SH","priorValue":483191,"priorShares":7155},{"issuer":"UNITEDHEALTH GROUP INC","titleOfClass":"COM","cusip":"91324P102","value":508315,"shares":1223,"shareType":"SH","priorValue":474615,"priorShares":1754},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US EQUI MARK ETF","cusip":"25434V401","value":503445,"shares":6144,"shareType":"SH"},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US EQTY PWR BUF","cusip":"45782C508","value":494900,"shares":10000,"shareType":"SH","priorValue":461300,"priorShares":10000},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"LARGE CAP ETF","cusip":"922908637","value":478217,"shares":1391,"shareType":"SH","priorValue":415560,"priorShares":1391},{"issuer":"AGILENT TECHNOLOGIES INC","titleOfClass":"COM","cusip":"00846U101","value":466366,"shares":3511,"shareType":"SH","priorValue":400184,"priorShares":3511},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"VNG RUS1000GRW","cusip":"92206C680","value":442498,"shares":3462,"shareType":"SH","priorValue":384004,"priorShares":3501},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US SML CP PWR ET","cusip":"45782C342","value":440825,"shares":11076,"shareType":"SH","priorValue":401505,"priorShares":11076},{"issuer":"CATERPILLAR INC","titleOfClass":"COM","cusip":"149123101","value":428090,"shares":402,"shareType":"SH","priorValue":284801,"priorShares":402},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL A","cusip":"02079K305","value":419893,"shares":1175,"shareType":"SH","priorValue":338426,"priorShares":1177},{"issuer":"SELECT SECTOR SPDR TR","titleOfClass":"ST STR CARE ETF","cusip":"81369Y209","value":391210,"shares":2466,"shareType":"SH","priorValue":360457,"priorShares":2459},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"SHORT TERM TREAS","cusip":"92206C102","value":391082,"shares":6720,"shareType":"SH","priorValue":668482,"priorShares":11419},{"issuer":"VANGUARD SPECIALIZED FUNDS","titleOfClass":"DIV APP ETF","cusip":"921908844","value":374965,"shares":1585,"shareType":"SH","priorValue":340727,"priorShares":1584},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"SM CP VAL ETF","cusip":"922908611","value":365367,"shares":1504,"shareType":"SH","priorValue":325896,"priorShares":1500},{"issuer":"ISHARES INC","titleOfClass":"CORE MSCI EMKT","cusip":"46434G103","value":350657,"shares":4233,"shareType":"SH","priorValue":395078,"priorShares":5664},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"GROWTH ETF","cusip":"922908736","value":348768,"shares":4049,"shareType":"SH","priorValue":294768,"priorShares":675},{"issuer":"TERADYNE INC","titleOfClass":"COM","cusip":"880770102","value":328044,"shares":678,"shareType":"SH","priorValue":201000,"priorShares":678},{"issuer":"ISHARES TR","titleOfClass":"ISHARES SEMICDTR","cusip":"464287523","value":313211,"shares":489,"shareType":"SH"},{"issuer":"GOLDMAN SACHS GROUP INC","titleOfClass":"COM","cusip":"38141G104","value":312513,"shares":309,"shareType":"SH","priorValue":261411,"priorShares":309},{"issuer":"BANK OF AMER CORP","titleOfClass":"COM","cusip":"060505104","value":304615,"shares":5346,"shareType":"SH","priorValue":325943,"priorShares":6686},{"issuer":"ISHARES TR","titleOfClass":"EAFE GRWTH ETF","cusip":"464288885","value":304456,"shares":2447,"shareType":"SH","priorValue":272522,"priorShares":2447},{"issuer":"EXXON MOBIL CORP","titleOfClass":"COM","cusip":"30231G102","value":295315,"shares":2160,"shareType":"SH","priorValue":366466,"priorShares":2160},{"issuer":"HOME DEPOT INC","titleOfClass":"COM","cusip":"437076102","value":294135,"shares":834,"shareType":"SH","priorValue":278241,"priorShares":846},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR P400MID","cusip":"78464A847","value":285644,"shares":4228,"shareType":"SH","priorValue":250382,"priorShares":4228},{"issuer":"INTEL CORP","titleOfClass":"COM","cusip":"458140100","value":275775,"shares":1975,"shareType":"SH"},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US EQUT BUFR AUG","cusip":"45782C698","value":275579,"shares":5140,"shareType":"SH","priorValue":251078,"priorShares":5140},{"issuer":"STAGWELL INC","titleOfClass":"COM CL A","cusip":"85256A109","value":275170,"shares":37035,"shareType":"SH","priorValue":566100,"priorShares":90000},{"issuer":"TAIWAN SEMICONDUCTOR MANUFAC","titleOfClass":"SPONSORED ADS","cusip":"874039100","value":267439,"shares":560,"shareType":"SH"},{"issuer":"VANGUARD STAR FDS","titleOfClass":"VG TL INTL STK F","cusip":"921909768","value":260840,"shares":3051,"shareType":"SH","priorValue":236223,"priorShares":3063},{"issuer":"PLUMAS BANCORP","titleOfClass":"COM","cusip":"729273102","value":247380,"shares":4228,"shareType":"SH","priorValue":206136,"priorShares":4228},{"issuer":"ISHARES TR","titleOfClass":"3 7 YR TREAS BD","cusip":"464288661","value":246175,"shares":2096,"shareType":"SH","priorValue":248586,"priorShares":2096},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR RATE ETF","cusip":"78468R200","value":215950,"shares":7000,"shareType":"SH","priorValue":215460,"priorShares":7000},{"issuer":"META PLATFORMS INC","titleOfClass":"CL A","cusip":"30303M102","value":207895,"shares":369,"shareType":"SH","priorValue":225457,"priorShares":394}]},"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."}