{"url":"https://nivawealth.com/firms/tiaa-cref-individual-and-institutional-services-20472","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/20472","regulatoryAum":37928601788,"crd":"20472","secFileNumber":"801-63550","legalName":"Tiaa-Cref Individual & Institutional Services, LLC","displayName":"Tiaa-Cref Individual & Institutional Services","website":"https://www.tiaa.org","founded":null,"organization":"Delaware limited liability company","fiscalYearEnd":"December","headquarters":{"street":"730 Third Avenue","city":"New York","state":"NY","stateName":"New York","country":"United States","postalCode":"10017-3206"},"tradeNames":["Advice & Planning Services"],"registration":{"secApproved":"24 September 2004","noticeFilings":null,"latestNoticeFiling":null},"staff":{"employees":1293,"advisory":1020,"brokerDealerReps":1190,"insuranceAgents":1089,"promoters":0},"aum":{"discretionary":37928601788,"discretionaryAccounts":72503,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":37928601788,"nonUsClientsPct":0,"nonAumClients":35647},"clientTypes":[{"label":"Individuals (other than HNW)","clients":25667,"regulatoryAum":8354878907},{"label":"High-net-worth individuals","clients":46802,"regulatoryAum":29556835084},{"label":"Charitable organizations","clients":14,"regulatoryAum":6179563},{"label":"Corporations and other businesses","clients":20,"regulatoryAum":10708234}],"fees":[],"feeNotes":[],"feePrograms":[],"brochureCoverage":{"scope":"known_documents","status":"not_processed","checkedAt":null,"documents":[]},"custodians":[{"name":"Pershing LLC","shortName":"Pershing","location":"Jersey City, NJ","smaAssets":37928601788}],"custodyNote":"Tiaa-Cref Individual & Institutional Services has custody of $10.64B for 25,564 clients.","otherCustodians":[],"leadership":[{"name":"Julian Mauro D Ambrosi","title":"President, CEO, Elected Manager","crd":"4729324"},{"name":"Shankar Saravanan","title":"Vice President, Elected Manager","crd":"7789140"},{"name":"Eloho Isimeme Ovhori","title":"Chief Financial Officer","crd":"8201407"},{"name":"Ross Hamlet Abbott","title":"Chief Operating Officer, Elected Manager","crd":"2756063"},{"name":"Jeremy Intihar","title":"Chief Compliance Officer - Registered Investment Adviser","crd":"5040823"},{"name":"Scott William Weinstein","title":"Chief Compliance Officer - Broker Dealer","crd":"4324014"},{"name":"Helen Gwyn Barnhill","title":"Chief Legal Officer","crd":"2574877"},{"name":"Raymond John Bellucci","title":"Elected Manager","crd":"1807977"},{"name":"James Deats","title":"Elected Manager","crd":"4895304"},{"name":"Derek James Heaslip","title":"Elected Manager","crd":"6318596"},{"name":"Benjamin Herbert Lewis","title":"Elected Manager","crd":"1687894"},{"name":"Niladri Mukherjee","title":"Elected Manager","crd":"5227234"},{"name":"Christopher Eugene Stickrod","title":"Elected Manager","crd":"4627958"}],"ownership":[{"label":"Teachers Insurance and Annuity Association of America","detail":"Sole owner of applicant in the 75% or more ownership band and a control person, since September 1990."},{"label":"Tiaa Board of Governors","detail":"Indirect owner: a sole owner of Teachers Insurance and Annuity Association of America in the 75% or more band and a control person, since September 1990.","parent":"Teachers Insurance and Annuity Association of America"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":143,"privateResidences":0},"listedOfficeAddresses":26,"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"35 North Lake Avenue","city":"Pasadena"}]},{"state":"Colorado","offices":2,"addresses":[{"street":"1670 Broadway","city":"Denver"},{"street":"1670 Broadway","city":"Denver"}]},{"state":"Connecticut","offices":1,"addresses":[{"street":"One Hamden Center","city":"Hamden"}]},{"state":"Florida","offices":1,"addresses":[{"street":"5001 Celebration Pointe","city":"Gainesville"}]},{"state":"Georgia","offices":1,"addresses":[{"street":"Six Concourse Parkway","city":"Atlanta"}]},{"state":"Illinois","offices":1,"addresses":[{"street":"333 W. Wacker Drive","city":"Chicago"}]},{"state":"Massachusetts","offices":2,"addresses":[{"street":"225 Wyman Street","city":"Waltham"},{"street":"97 MT. Auburn Street","city":"Cambridge"}]},{"state":"Michigan","offices":1,"addresses":[{"street":"777 E Eisenhower Parkway","city":"Ann Arbor"}]},{"state":"New Jersey","offices":2,"addresses":[{"street":"3 University Plaza","city":"Hackensack"},{"street":"155 Village Boulevard","city":"Princeton"}]},{"state":"New York","offices":3,"addresses":[{"street":"730 Third Avenue","city":"New York","headquarters":true},{"street":"730 Third Avenue","city":"New York"},{"street":"58 South Service Road","city":"Melville"}]},{"state":"North Carolina","offices":3,"addresses":[{"street":"8500 Andrew Carnegie BLVD","city":"Charlotte"},{"street":"5425 Page Road","city":"Durham"},{"street":"8500 Andrew Carnegie BLVD","city":"Charlotte"}]},{"state":"Pennsylvania","offices":2,"addresses":[{"street":"1700 Market Street","city":"Philadelphia"},{"street":"141 South ST. Clair Street","city":"Pittsburgh"}]},{"state":"Rhode Island","offices":1,"addresses":[{"street":"15 Park Row West","city":"Providence"}]},{"state":"Texas","offices":3,"addresses":[{"street":"3965 Dallas Parkway","city":"Frisco"},{"street":"3965 Dallas Parkway","city":"Frisco"},{"street":"3965 Dallas Parkway","city":"Frisco"}]},{"state":"Virginia","offices":1,"addresses":[{"street":"3050 Chain Bridge Road","city":"Fairfax"}]},{"state":"Washington","offices":1,"addresses":[{"street":"617 Eastlake Avenue East","city":"Seattle"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"212-490-9000","stateRegisteredReps":1099,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Other"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)","Educational seminars/workshops"],"financialPlanningClients":"102500","assetMix":[{"label":"Securities issued by registered investment companies or business development companies","percent":99},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"6 July 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/20472/PDF/20472.pdf","brochureDate":null,"brochureUrl":null,"iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Tiaa-Cref Individual & Institutional Services have?","answer":"Tiaa-Cref Individual & Institutional Services has 72,503 clients and manages $37.9 billion for them, as of July 2026. They include 46,802 high-net-worth individuals, 25,667 other individuals and 20 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 6 July 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Tiaa-Cref Individual & Institutional Services offer?","answer":"Tiaa-Cref Individual & Institutional Services provides financial planning, portfolio management for individuals and small businesses, selecting other managers and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Tiaa-Cref Individual & Institutional Services use?","answer":"Tiaa-Cref Individual & Institutional Services’ separately managed account assets are held at Pershing LLC (Jersey City, NJ), with $37,928,601,788. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 6 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Tiaa-Cref Individual & Institutional Services have?","answer":"Tiaa-Cref Individual & Institutional Services has 1,099 investment adviser representatives registered with state securities authorities, out of 1,293 employees, and 1,020 perform investment advisory functions. 1,190 are registered representatives of a broker-dealer and 1,089 are 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 Tiaa-Cref Individual & Institutional Services invest in?","answer":"At the end of its last fiscal year, Tiaa-Cref Individual & Institutional Services’ separately managed accounts held 99% registered funds (mutual funds, ETFs, BDCs) and 1% cash and equivalents. It advises no private funds of its own.","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 Tiaa-Cref Individual & Institutional Services?","answer":"Tiaa-Cref Individual & Institutional Services is owned through a holding company by Tiaa Board of Governors. Its direct owner is Teachers Insurance and Annuity Association of America (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 6 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Tiaa-Cref Individual & Institutional Services get paid?","answer":"Tiaa-Cref Individual & Institutional Services is paid through a percentage of assets under management and other arrangements. 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"}}],"holdings":{"url":"https://nivawealth.com/firms/tiaa-cref-individual-and-institutional-services-20472/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-08-10","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/882928/000093041326002428/0000930413-26-002428-index.html","totalValue":29050783668,"positionCount":751,"top10Share":0.42118170052940135,"top10":[{"issuer":"ISHARES CORE MSCI EAFE ETF","titleOfClass":"Exchange Traded Fund","cusip":"46432F842","value":1913322814,"shares":19810756,"shareType":"SH","priorValue":1749625601,"priorShares":19326473},{"issuer":"VANGUARD MRNGSTAR GR ETF-SUI","titleOfClass":"Exchange Traded Fund","cusip":"922908736","value":1759896026,"shares":20430648,"shareType":"SH","priorValue":1503426630,"priorShares":3441990},{"issuer":"VANGUARD MRNGSTR VAL ETF-AUI","titleOfClass":"Exchange Traded Fund","cusip":"922908744","value":1495877240,"shares":6864026,"shareType":"SH","priorValue":1308297749,"priorShares":6668184},{"issuer":"VANGUARD FTSE DEVELOPED ETF","titleOfClass":"Exchange Traded Fund","cusip":"921943858","value":1443998171,"shares":20266641,"shareType":"SH","priorValue":1280146217,"priorShares":19977313},{"issuer":"ISHARES RUSSELL TOP 200 GROW","titleOfClass":"Exchange Traded Fund","cusip":"464289438","value":1388350174,"shares":4777201,"shareType":"SH","priorValue":1262568141,"priorShares":5073815},{"issuer":"ISHARES RUSSELL TOP 200 VALU","titleOfClass":"Exchange Traded Fund","cusip":"464289420","value":1036774622,"shares":9859021,"shareType":"SH","priorValue":949016859,"priorShares":10240821},{"issuer":"ISHARES CORE MSCI EMERGING","titleOfClass":"Exchange Traded Fund","cusip":"46434G103","value":1036218306,"shares":12508671,"shareType":"SH","priorValue":889447467,"priorShares":12751935},{"issuer":"ISHARES MBS ETF","titleOfClass":"Exchange Traded Fund","cusip":"464288588","value":725808966,"shares":7678893,"shareType":"SH","priorValue":710204256,"priorShares":7479771},{"issuer":"VANGUARD RUSSELL 1000 GROWTH","titleOfClass":"Exchange Traded Fund","cusip":"92206C680","value":724201856,"shares":5666238,"shareType":"SH","priorValue":620768378,"priorShares":5659298},{"issuer":"ISHARES CORE U.S. AGGREGATE","titleOfClass":"Exchange Traded Fund","cusip":"464287226","value":711210292,"shares":7185394,"shareType":"SH","priorValue":623880773,"priorShares":6284686}],"positionsListed":200,"positions":[{"issuer":"ISHARES CORE MSCI EAFE ETF","titleOfClass":"Exchange Traded Fund","cusip":"46432F842","value":1913322814,"shares":19810756,"shareType":"SH","priorValue":1749625601,"priorShares":19326473},{"issuer":"VANGUARD MRNGSTAR GR ETF-SUI","titleOfClass":"Exchange Traded Fund","cusip":"922908736","value":1759896026,"shares":20430648,"shareType":"SH","priorValue":1503426630,"priorShares":3441990},{"issuer":"VANGUARD MRNGSTR VAL ETF-AUI","titleOfClass":"Exchange Traded Fund","cusip":"922908744","value":1495877240,"shares":6864026,"shareType":"SH","priorValue":1308297749,"priorShares":6668184},{"issuer":"VANGUARD FTSE DEVELOPED ETF","titleOfClass":"Exchange Traded Fund","cusip":"921943858","value":1443998171,"shares":20266641,"shareType":"SH","priorValue":1280146217,"priorShares":19977313},{"issuer":"ISHARES RUSSELL TOP 200 GROW","titleOfClass":"Exchange Traded Fund","cusip":"464289438","value":1388350174,"shares":4777201,"shareType":"SH","priorValue":1262568141,"priorShares":5073815},{"issuer":"ISHARES RUSSELL TOP 200 VALU","titleOfClass":"Exchange Traded Fund","cusip":"464289420","value":1036774622,"shares":9859021,"shareType":"SH","priorValue":949016859,"priorShares":10240821},{"issuer":"ISHARES CORE MSCI EMERGING","titleOfClass":"Exchange Traded Fund","cusip":"46434G103","value":1036218306,"shares":12508671,"shareType":"SH","priorValue":889447467,"priorShares":12751935},{"issuer":"ISHARES MBS ETF","titleOfClass":"Exchange Traded Fund","cusip":"464288588","value":725808966,"shares":7678893,"shareType":"SH","priorValue":710204256,"priorShares":7479771},{"issuer":"VANGUARD RUSSELL 1000 GROWTH","titleOfClass":"Exchange Traded Fund","cusip":"92206C680","value":724201856,"shares":5666238,"shareType":"SH","priorValue":620768378,"priorShares":5659298},{"issuer":"ISHARES CORE U.S. AGGREGATE","titleOfClass":"Exchange Traded Fund","cusip":"464287226","value":711210292,"shares":7185394,"shareType":"SH","priorValue":623880773,"priorShares":6284686},{"issuer":"VANGUARD TAX-EXEMPT BOND ETF","titleOfClass":"Exchange Traded Fund","cusip":"922907746","value":667175894,"shares":13190508,"shareType":"SH","priorValue":633945595,"priorShares":12706867},{"issuer":"ISHARES NATIONAL MUNI BOND E","titleOfClass":"Exchange Traded Fund","cusip":"464288414","value":645337519,"shares":5996446,"shareType":"SH","priorValue":603703499,"priorShares":5687268},{"issuer":"VANGUARD RUSSELL 1000 VALUE","titleOfClass":"Exchange Traded Fund","cusip":"92206C714","value":635510169,"shares":5977896,"shareType":"SH","priorValue":542271692,"priorShares":5784848},{"issuer":"STE STR SPDR PT DW EU ETF","titleOfClass":"Exchange Traded Fund","cusip":"78463X889","value":613349398,"shares":12172046,"shareType":"SH","priorValue":561116927,"priorShares":12291718},{"issuer":"ISHARES RUSSELL 1000 GROWTH","titleOfClass":"Exchange Traded Fund","cusip":"464287614","value":523762222,"shares":4218106,"shareType":"SH","priorValue":438406145,"priorShares":1028157},{"issuer":"VANGUARD FTSE EMERGING MARKE","titleOfClass":"Exchange Traded Fund","cusip":"922042858","value":466470486,"shares":7814885,"shareType":"SH","priorValue":420533539,"priorShares":7780454},{"issuer":"ISHARES BROAD USD INVESTMENT","titleOfClass":"Exchange Traded Fund","cusip":"464288620","value":459841264,"shares":8965515,"shareType":"SH","priorValue":468206493,"priorShares":9139303},{"issuer":"ISHARES RUSSELL MID-CAP VALU","titleOfClass":"Exchange Traded Fund","cusip":"464287473","value":449972452,"shares":2733733,"shareType":"SH","priorValue":389624085,"priorShares":2673419},{"issuer":"VNGRD MRNGSTR MD-CAP ETF-USD","titleOfClass":"Exchange Traded Fund","cusip":"922908629","value":435041422,"shares":5399546,"shareType":"SH","priorValue":394832008,"priorShares":1374859},{"issuer":"VANGUARD S&P 500 ETF","titleOfClass":"Exchange Traded Fund","cusip":"922908363","value":416265926,"shares":606086,"shareType":"SH","priorValue":360187604,"priorShares":602774},{"issuer":"ISHARES CORE S&P 500 ETF","titleOfClass":"Exchange Traded Fund","cusip":"464287200","value":392387656,"shares":523959,"shareType":"SH","priorValue":351235589,"priorShares":537707},{"issuer":"ISHARES MSCI EAFE SMALL-CAP","titleOfClass":"Exchange Traded Fund","cusip":"464288273","value":370940621,"shares":4508820,"shareType":"SH","priorValue":341225579,"priorShares":4351812},{"issuer":"ISHARES US TREASURY BOND ETF","titleOfClass":"Exchange Traded Fund","cusip":"46429B267","value":360373677,"shares":15819740,"shareType":"SH","priorValue":314594209,"priorShares":13731742},{"issuer":"APPLE INC","titleOfClass":"Common / Ordinary Stock","cusip":"037833100","value":313193310,"shares":1082366,"shareType":"SH","priorValue":272193226,"priorShares":1072514},{"issuer":"ISHARES RUSSELL MID-CAP ETF","titleOfClass":"Exchange Traded Fund","cusip":"464287499","value":302914781,"shares":2745783,"shareType":"SH","priorValue":273352811,"priorShares":2811404},{"issuer":"NUVEEN ESG LRG-CAP GRW ETF","titleOfClass":"Exchange Traded Fund","cusip":"67092P201","value":285936601,"shares":2442650,"shareType":"SH","priorValue":227584346,"priorShares":2502577},{"issuer":"ISHARES RUSSELL MID-CAP GROW","titleOfClass":"Exchange Traded Fund","cusip":"464287481","value":274792247,"shares":1876868,"shareType":"SH","priorValue":252967562,"priorShares":1974458},{"issuer":"ISHARES JP MORGAN USD EMERGI","titleOfClass":"Exchange Traded Fund","cusip":"464288281","value":274069461,"shares":2841865,"shareType":"SH","priorValue":248925208,"priorShares":2650114},{"issuer":"VNGRD MRNGSTR MD-CAP VAL ETF","titleOfClass":"Exchange Traded Fund","cusip":"922908512","value":273876169,"shares":1386013,"shareType":"SH","priorValue":299758878,"priorShares":1626649},{"issuer":"ISHARES RUSSELL 2000 VALUE E","titleOfClass":"Exchange Traded Fund","cusip":"464287630","value":269570246,"shares":1218672,"shareType":"SH","priorValue":227639575,"priorShares":1200694},{"issuer":"ISHARES RUSSELL 1000 VALUE E","titleOfClass":"Exchange Traded Fund","cusip":"464287598","value":265097205,"shares":1093500,"shareType":"SH","priorValue":227393383,"priorShares":1064227},{"issuer":"SS SPDR P S&P 500 GROWTH ETF","titleOfClass":"Exchange Traded Fund","cusip":"78464A409","value":254465232,"shares":2138543,"shareType":"SH","priorValue":176625430,"priorShares":1803957},{"issuer":"VG MORNINGSTAR TS MKT ETF-US","titleOfClass":"Exchange Traded Fund","cusip":"922908769","value":253784903,"shares":685831,"shareType":"SH","priorValue":223022620,"priorShares":695186},{"issuer":"NUVEEN ESG LARGE-CAP VAL ETF","titleOfClass":"Exchange Traded Fund","cusip":"67092P300","value":251681036,"shares":5034628,"shareType":"SH","priorValue":217285688,"priorShares":4775510},{"issuer":"VANGUARD MOST SM-CAP ETF-USD","titleOfClass":"Exchange Traded Fund","cusip":"922908751","value":237988908,"shares":785131,"shareType":"SH","priorValue":214442024,"priorShares":818731},{"issuer":"ISHARES ESG AWARE MSCI USA","titleOfClass":"Exchange Traded Fund","cusip":"46435G425","value":218791601,"shares":1336785,"shareType":"SH","priorValue":184998856,"priorShares":1308152},{"issuer":"SCHWAB INTL SMALL-CAP EQUITY","titleOfClass":"Exchange Traded Fund","cusip":"808524888","value":215396188,"shares":4476230,"shareType":"SH","priorValue":202574105,"priorShares":4334063},{"issuer":"ISHARES RUSSELL 2000 GROWTH","titleOfClass":"Exchange Traded Fund","cusip":"464287648","value":215279836,"shares":546451,"shareType":"SH","priorValue":180698702,"priorShares":575822},{"issuer":"STATE STREET SP PTF EM ETF","titleOfClass":"Exchange Traded Fund","cusip":"78463X509","value":213644798,"shares":4126010,"shareType":"SH","priorValue":193903845,"priorShares":4133529},{"issuer":"SS SPDR P S&P 500 VALUE ETF","titleOfClass":"Exchange Traded Fund","cusip":"78464A508","value":212469257,"shares":3495135,"shareType":"SH","priorValue":210173709,"priorShares":3714629},{"issuer":"ISHARES BROAD USD HIGH YIELD","titleOfClass":"Exchange Traded Fund","cusip":"46435U853","value":195743953,"shares":5287519,"shareType":"SH","priorValue":158021459,"priorShares":4289399},{"issuer":"SS SPDR S&P 500 ETF TRUST-US","titleOfClass":"Exchange Traded Fund","cusip":"78462F103","value":191862389,"shares":256923,"shareType":"SH","priorValue":167892425,"priorShares":258161},{"issuer":"VANGUARD INTERMEDIATE-TERM B","titleOfClass":"Exchange Traded Fund","cusip":"921937819","value":186795103,"shares":2435399,"shareType":"SH","priorValue":177893108,"priorShares":2304912},{"issuer":"VANGUARD TOTAL INTL BOND ETF","titleOfClass":"Exchange Traded Fund","cusip":"92203J407","value":173088336,"shares":3573990,"shareType":"SH","priorValue":155122458,"priorShares":3228355},{"issuer":"ISHARES MSCI EAFE VALUE ETF","titleOfClass":"Exchange Traded Fund","cusip":"464288877","value":166297143,"shares":2172399,"shareType":"SH","priorValue":167963565,"priorShares":2259093},{"issuer":"ISHARES MSCI INTERNATIONAL Q","titleOfClass":"Exchange Traded Fund","cusip":"46434V456","value":157640748,"shares":3181448,"shareType":"SH","priorValue":158869210,"priorShares":3436496},{"issuer":"ISHARES MSCI EAFE ETF","titleOfClass":"Exchange Traded Fund","cusip":"464287465","value":153018772,"shares":1473034,"shareType":"SH","priorValue":136904152,"priorShares":1409494},{"issuer":"VNGRD MRNGSTR MC GRW ETF-USD","titleOfClass":"Exchange Traded Fund","cusip":"922908538","value":152311351,"shares":497262,"shareType":"SH","priorValue":139239475,"priorShares":541051},{"issuer":"VNGRD MRNGST SL-CP VAL ETF-U","titleOfClass":"Exchange Traded Fund","cusip":"922908611","value":150061390,"shares":617562,"shareType":"SH","priorValue":141764750,"priorShares":652542},{"issuer":"VNGRD MRGSTR LRG-CAP ETF-USD","titleOfClass":"Exchange Traded Fund","cusip":"922908637","value":143089258,"shares":416066,"shareType":"SH","priorValue":129954624,"priorShares":434849},{"issuer":"VANGUARD TOTAL BOND MARKET","titleOfClass":"Exchange Traded Fund","cusip":"921937835","value":137974537,"shares":1879506,"shareType":"SH","priorValue":134223259,"priorShares":1822695},{"issuer":"ISHARES RUSSELL 2000 ETF","titleOfClass":"Exchange Traded Fund","cusip":"464287655","value":135308859,"shares":450354,"shareType":"SH","priorValue":115088616,"priorShares":464067},{"issuer":"FLEXSHARES QUALITY DIVIDEND","titleOfClass":"Exchange Traded Fund","cusip":"33939L860","value":131481653,"shares":1462207,"shareType":"SH","priorValue":126513629,"priorShares":1599616},{"issuer":"VAN MORST SML-CAP GRO-USD IN","titleOfClass":"Exchange Traded Fund","cusip":"922908595","value":124385541,"shares":340130,"shareType":"SH","priorValue":110962020,"priorShares":367120},{"issuer":"ISHARES TRUST ISHARES ESG AW","titleOfClass":"Exchange Traded Fund","cusip":"46435G516","value":114689387,"shares":1115547,"shareType":"SH","priorValue":101317709,"priorShares":1059587},{"issuer":"ISHARES RUSSELL 1000 ETF","titleOfClass":"Exchange Traded Fund","cusip":"464287622","value":114510942,"shares":279636,"shareType":"SH","priorValue":97164739,"priorShares":272506},{"issuer":"MICROSOFT CORP","titleOfClass":"Common / Ordinary Stock","cusip":"594918104","value":106277936,"shares":284912,"shareType":"SH","priorValue":101296712,"priorShares":273649},{"issuer":"ALPHABET INC-CL A","titleOfClass":"Common / Ordinary Stock","cusip":"02079K305","value":100506453,"shares":281239,"shareType":"SH","priorValue":76308704,"priorShares":265366},{"issuer":"NVIDIA CORP","titleOfClass":"Common / Ordinary Stock","cusip":"67066G104","value":92893943,"shares":464261,"shareType":"SH","priorValue":75624339,"priorShares":433626},{"issuer":"NUVEEN ESG INTL DEVEL MRK EQ","titleOfClass":"Exchange Traded Fund","cusip":"67092P805","value":86953615,"shares":2172754,"shareType":"SH","priorValue":78049237,"priorShares":2161430},{"issuer":"ISHARES SHORT-TERM NATIONAL","titleOfClass":"Exchange Traded Fund","cusip":"464288158","value":86571928,"shares":813111,"shareType":"SH","priorValue":87107734,"priorShares":817913},{"issuer":"ALPHABET INC-CL C","titleOfClass":"Common / Ordinary Stock","cusip":"02079K107","value":85446501,"shares":241832,"shareType":"SH","priorValue":70258325,"priorShares":244922},{"issuer":"JPMORGAN CHASE & CO","titleOfClass":"Common / Ordinary Stock","cusip":"46625H100","value":79297724,"shares":242256,"shareType":"SH","priorValue":69653030,"priorShares":236786},{"issuer":"ISHARES MSCI EMR MRK EX CHNA","titleOfClass":"Exchange Traded Fund","cusip":"46434G764","value":73446183,"shares":717949,"shareType":"SH","priorValue":49884756,"priorShares":634182},{"issuer":"ISHARES CORE S&P MIDCAP ETF","titleOfClass":"Exchange Traded Fund","cusip":"464287507","value":70879435,"shares":919199,"shareType":"SH","priorValue":62611520,"priorShares":927166},{"issuer":"NUVEEN ESG SMALL-CAP ETF","titleOfClass":"Exchange Traded Fund","cusip":"67092P607","value":62084666,"shares":1191187,"shareType":"SH","priorValue":56503438,"priorShares":1253960},{"issuer":"ISHARES MSCI USA QUALITY FAC","titleOfClass":"Exchange Traded Fund","cusip":"46432F339","value":61433817,"shares":279970,"shareType":"SH","priorValue":55386672,"priorShares":288758},{"issuer":"BERKSHIRE HATHAWAY INC-CL B","titleOfClass":"Common / Ordinary Stock","cusip":"084670702","value":60722927,"shares":121351,"shareType":"SH","priorValue":57550579,"priorShares":120097},{"issuer":"ISHARES NEW YORK MUNI BOND E","titleOfClass":"Exchange Traded Fund","cusip":"464288323","value":59075460,"shares":1095918,"shareType":"SH","priorValue":59113476,"priorShares":1112829},{"issuer":"BERKSHIRE HATHAWAY INC-CL A","titleOfClass":"Common / Ordinary Stock","cusip":"084670108","value":58410300,"shares":78,"shareType":"SH","priorValue":55296780,"priorShares":77},{"issuer":"ISHARES INC ISHARES ESG AWAR","titleOfClass":"Exchange Traded Fund","cusip":"46434G863","value":56959143,"shares":1041491,"shareType":"SH","priorValue":47511376,"priorShares":1044895},{"issuer":"AMAZON.COM INC","titleOfClass":"Common / Ordinary Stock","cusip":"023135106","value":56082403,"shares":235304,"shareType":"SH","priorValue":49609331,"priorShares":238197},{"issuer":"JOHNSON & JOHNSON","titleOfClass":"Common / Ordinary Stock","cusip":"478160104","value":54247103,"shares":213596,"shareType":"SH","priorValue":48627939,"priorShares":198936},{"issuer":"ISHARES CORE S&P SMALL-CAP E","titleOfClass":"Exchange Traded Fund","cusip":"464287804","value":53670868,"shares":361883,"shareType":"SH","priorValue":46943061,"priorShares":377629},{"issuer":"ISHARES MSCI EAFE GROWTH ETF","titleOfClass":"Exchange Traded Fund","cusip":"464288885","value":53382152,"shares":429048,"shareType":"SH","priorValue":54925791,"priorShares":493183},{"issuer":"VANECK JPM EM LOCAL CURR BND","titleOfClass":"Exchange Traded Fund","cusip":"92189H300","value":52734293,"shares":2063157,"shareType":"SH","priorValue":48660016,"priorShares":1937874},{"issuer":"ELI LILLY & CO","titleOfClass":"Common / Ordinary Stock","cusip":"532457108","value":47502466,"shares":39604,"shareType":"SH","priorValue":36051488,"priorShares":39196},{"issuer":"SS SPDR S&P 400 MC VAL ETF","titleOfClass":"Exchange Traded Fund","cusip":"78464A839","value":47411911,"shares":499862,"shareType":"SH","priorValue":42992150,"priorShares":504899},{"issuer":"NUVEEN ESG EMERGING MARKETS","titleOfClass":"Exchange Traded Fund","cusip":"67092P888","value":45571194,"shares":1073878,"shareType":"SH","priorValue":39827470,"priorShares":1084074},{"issuer":"VANGUARD INFO TECH ETF","titleOfClass":"Exchange Traded Fund","cusip":"92204A702","value":42573502,"shares":356204,"shareType":"SH","priorValue":31077844,"priorShares":44542},{"issuer":"ISHARES GOLD TRUST","titleOfClass":"Exchange Traded Fund","cusip":"464285204","value":40654659,"shares":538401,"shareType":"SH","priorValue":52843809,"priorShares":599408},{"issuer":"ISHARES CALIFORNIA MUNI BOND","titleOfClass":"Exchange Traded Fund","cusip":"464288356","value":38408299,"shares":666348,"shareType":"SH","priorValue":37733490,"priorShares":663621},{"issuer":"ISHARES ESG AWARE MSCI USA S","titleOfClass":"Exchange Traded Fund","cusip":"46435U663","value":36369825,"shares":650274,"shareType":"SH","priorValue":33336898,"priorShares":708994},{"issuer":"ISHARES MSCI EMERGING MARKET","titleOfClass":"Exchange Traded Fund","cusip":"464287234","value":36338366,"shares":531185,"shareType":"SH","priorValue":24777534,"priorShares":436301},{"issuer":"NUVEEN ESG MID-CAP VALUE ETF","titleOfClass":"Exchange Traded Fund","cusip":"67092P508","value":34988792,"shares":804525,"shareType":"SH","priorValue":33736685,"priorShares":870175},{"issuer":"EXXON MOBIL CORP","titleOfClass":"Common / Ordinary Stock","cusip":"30231G102","value":34059810,"shares":249121,"shareType":"SH","priorValue":41093671,"priorShares":242212},{"issuer":"BROADCOM INC","titleOfClass":"Common / Ordinary Stock","cusip":"11135F101","value":33770925,"shares":89400,"shareType":"SH","priorValue":27481764,"priorShares":88791},{"issuer":"SS TECHNOLOGY SELECT SECTOR","titleOfClass":"Exchange Traded Fund","cusip":"81369Y803","value":33066651,"shares":173560,"shareType":"SH","priorValue":22279489,"priorShares":167641},{"issuer":"ISHARES CRNCY HEDGD MSCI EM","titleOfClass":"Exchange Traded Fund","cusip":"46434G509","value":31211073,"shares":697766,"shareType":"SH","priorValue":26472969,"priorShares":717036},{"issuer":"ISHARES INTL AGGREGATE BOND","titleOfClass":"Exchange Traded Fund","cusip":"46435G672","value":30129618,"shares":595447,"shareType":"SH","priorValue":22365028,"priorShares":446943},{"issuer":"INTL BUSINESS MACHINES CORP","titleOfClass":"Common / Ordinary Stock","cusip":"459200101","value":28826556,"shares":102509,"shareType":"SH","priorValue":25270612,"priorShares":104256},{"issuer":"ABBVIE INC","titleOfClass":"Common / Ordinary Stock","cusip":"00287Y109","value":27528661,"shares":109397,"shareType":"SH","priorValue":23742731,"priorShares":109167},{"issuer":"WALMART INC","titleOfClass":"Common / Ordinary Stock","cusip":"931142103","value":26844907,"shares":237020,"shareType":"SH","priorValue":29724694,"priorShares":239175},{"issuer":"ISHARES RUSSELL 3000 ETF","titleOfClass":"Exchange Traded Fund","cusip":"464287689","value":25735372,"shares":60355,"shareType":"SH","priorValue":23114122,"priorShares":62356},{"issuer":"VANECK HIGH YIELD MUNI ETF","titleOfClass":"Exchange Traded Fund","cusip":"92189H409","value":25582081,"shares":496643,"shareType":"SH","priorValue":25030590,"priorShares":499214},{"issuer":"HOME DEPOT INC","titleOfClass":"Common / Ordinary Stock","cusip":"437076102","value":25099883,"shares":71169,"shareType":"SH","priorValue":23425190,"priorShares":71225},{"issuer":"ORACLE CORP","titleOfClass":"Common / Ordinary Stock","cusip":"68389X105","value":23981003,"shares":163637,"shareType":"SH","priorValue":24419083,"priorShares":165992},{"issuer":"PROCTER & GAMBLE CO/THE","titleOfClass":"Common / Ordinary Stock","cusip":"742718109","value":22139571,"shares":150979,"shareType":"SH","priorValue":21062106,"priorShares":145819},{"issuer":"VISA INC-CLASS A SHARES","titleOfClass":"Common / Ordinary Stock","cusip":"92826C839","value":21635873,"shares":63062,"shareType":"SH","priorValue":19521924,"priorShares":64591},{"issuer":"APPLIED MATERIALS INC","titleOfClass":"Common / Ordinary Stock","cusip":"038222105","value":21487922,"shares":29721,"shareType":"SH","priorValue":10425108,"priorShares":30502},{"issuer":"SS SPDR S&P 400 MC GR ETF","titleOfClass":"Exchange Traded Fund","cusip":"78464A821","value":21002640,"shares":187373,"shareType":"SH","priorValue":17330472,"priorShares":180601},{"issuer":"VANGUARD REAL ESTATE ETF","titleOfClass":"Exchange Traded Fund","cusip":"922908553","value":20720878,"shares":214880,"shareType":"SH","priorValue":10978222,"priorShares":123768},{"issuer":"CATERPILLAR INC","titleOfClass":"Common / Ordinary Stock","cusip":"149123101","value":20271436,"shares":19036,"shareType":"SH","priorValue":13408314,"priorShares":18926},{"issuer":"STATE STREET SPDR S&P INTERN","titleOfClass":"Exchange Traded Fund","cusip":"78463X871","value":19940819,"shares":455686,"shareType":"SH","priorValue":17709488,"priorShares":419358},{"issuer":"INVESCO QQQ TRUST SERIES 1","titleOfClass":"Exchange Traded Fund","cusip":"46090E103","value":19410031,"shares":26358,"shareType":"SH","priorValue":15407243,"priorShares":26694},{"issuer":"NUVEEN ESG MID-CAP GROW ETF","titleOfClass":"Exchange Traded Fund","cusip":"67092P409","value":18475285,"shares":393426,"shareType":"SH","priorValue":17038176,"priorShares":414756},{"issuer":"RTX CORP","titleOfClass":"Common / Ordinary Stock","cusip":"75513E101","value":18241474,"shares":96144,"shareType":"SH","priorValue":18457325,"priorShares":95683},{"issuer":"CISCO SYSTEMS INC","titleOfClass":"Common / Ordinary Stock","cusip":"17275R102","value":17933864,"shares":152681,"shareType":"SH","priorValue":11817315,"priorShares":152305},{"issuer":"ISHARES MSCI JAPAN ETF","titleOfClass":"Exchange Traded Fund","cusip":"46434G822","value":17558544,"shares":188255,"shareType":"SH","priorValue":200208,"priorShares":2371},{"issuer":"COSTCO WHOLESALE CORP","titleOfClass":"Common / Ordinary Stock","cusip":"22160K105","value":16899265,"shares":18065,"shareType":"SH","priorValue":17194396,"priorShares":17256},{"issuer":"META PLATFORMS INC-CLASS A","titleOfClass":"Common / Ordinary Stock","cusip":"30303M102","value":16822994,"shares":29866,"shareType":"SH","priorValue":18193506,"priorShares":31800},{"issuer":"INTEL CORP","titleOfClass":"Common / Ordinary Stock","cusip":"458140100","value":16774434,"shares":120135,"shareType":"SH","priorValue":4889378,"priorShares":110795},{"issuer":"SS FINANCIAL SELECT SECTOR","titleOfClass":"Exchange Traded Fund","cusip":"81369Y605","value":16594976,"shares":309550,"shareType":"SH","priorValue":8749401,"priorShares":177221},{"issuer":"SS INDUSTRIAL SELECT SECTOR","titleOfClass":"Exchange Traded Fund","cusip":"81369Y704","value":15861060,"shares":85629,"shareType":"SH","priorValue":14972155,"priorShares":92575},{"issuer":"TEXAS INSTRUMENTS INC","titleOfClass":"Common / Ordinary Stock","cusip":"882508104","value":15549119,"shares":52166,"shareType":"SH","priorValue":10328248,"priorShares":53200},{"issuer":"ALERIAN MLP ETF","titleOfClass":"Exchange Traded Fund","cusip":"00162Q452","value":15508698,"shares":299107,"shareType":"SH","priorValue":15529800,"priorShares":295019},{"issuer":"SS SPDR S&P 600 SC VAL ETF","titleOfClass":"Exchange Traded Fund","cusip":"78464A300","value":15138249,"shares":138743,"shareType":"SH","priorValue":13933147,"priorShares":147316},{"issuer":"PEPSICO INC","titleOfClass":"Common / Ordinary Stock","cusip":"713448108","value":15029481,"shares":111001,"shareType":"SH","priorValue":17391855,"priorShares":111996},{"issuer":"MERCK & CO. INC.","titleOfClass":"Common / Ordinary Stock","cusip":"58933Y105","value":14956018,"shares":116389,"shareType":"SH","priorValue":13845650,"priorShares":115102},{"issuer":"GE AEROSPACE COM","titleOfClass":"Common / Ordinary Stock","cusip":"369604301","value":14558652,"shares":38955,"shareType":"SH","priorValue":11674582,"priorShares":41141},{"issuer":"LOWE'S COS INC","titleOfClass":"Common / Ordinary Stock","cusip":"548661107","value":14452679,"shares":65548,"shareType":"SH","priorValue":15692300,"priorShares":66414},{"issuer":"SS SPDR S&P 600 SC GR ETF","titleOfClass":"Exchange Traded Fund","cusip":"78464A201","value":13761659,"shares":115518,"shareType":"SH","priorValue":11732760,"priorShares":121432},{"issuer":"TEXAS PACIFIC LAND CORP","titleOfClass":"Common / Ordinary Stock","cusip":"88262P102","value":13590910,"shares":31055,"shareType":"SH","priorValue":15005587,"priorShares":31620},{"issuer":"CHEVRON CORP","titleOfClass":"Common / Ordinary Stock","cusip":"166764100","value":13478111,"shares":81311,"shareType":"SH","priorValue":16564001,"priorShares":80058},{"issuer":"BANK OF AMERICA CORP","titleOfClass":"Common / Ordinary Stock","cusip":"060505104","value":13185740,"shares":231410,"shareType":"SH","priorValue":11232534,"priorShares":230411},{"issuer":"SPROTT PHYSICAL SILVER TRUST","titleOfClass":"Closed-end Fund","cusip":"85207K107","value":12642353,"shares":669971,"shareType":"SH","priorValue":19497122,"priorShares":799390},{"issuer":"SPROTT PHYSICAL GOLD AND SIL","titleOfClass":"Closed-end Fund","cusip":"85208R101","value":12577668,"shares":312644,"shareType":"SH","priorValue":16201417,"priorShares":339510},{"issuer":"ISHARES S&P 500 GROWTH ETF","titleOfClass":"Exchange Traded Fund","cusip":"464287309","value":12320763,"shares":89586,"shareType":"SH","priorValue":10128322,"priorShares":89544},{"issuer":"COCA-COLA CO/THE","titleOfClass":"Common / Ordinary Stock","cusip":"191216100","value":12213053,"shares":150278,"shareType":"SH","priorValue":11104935,"priorShares":146022},{"issuer":"THERMO FISHER SCIENTIFIC INC","titleOfClass":"Common / Ordinary Stock","cusip":"883556102","value":12195081,"shares":24324,"shareType":"SH","priorValue":12153571,"priorShares":24726},{"issuer":"AMGEN INC","titleOfClass":"Common / Ordinary Stock","cusip":"031162100","value":12007714,"shares":33159,"shareType":"SH","priorValue":11785216,"priorShares":33495},{"issuer":"UNITEDHEALTH GROUP INC","titleOfClass":"Common / Ordinary Stock","cusip":"91324P102","value":10958418,"shares":26366,"shareType":"SH","priorValue":7048815,"priorShares":26050},{"issuer":"GE VERNOVA INC","titleOfClass":"Common / Ordinary Stock","cusip":"36828A101","value":10918914,"shares":9294,"shareType":"SH","priorValue":8657248,"priorShares":9918},{"issuer":"TESLA INC","titleOfClass":"Common / Ordinary Stock","cusip":"88160R101","value":10621411,"shares":25253,"shareType":"SH","priorValue":8774787,"priorShares":23604},{"issuer":"MCDONALD'S CORP","titleOfClass":"Common / Ordinary Stock","cusip":"580135101","value":10366396,"shares":38350,"shareType":"SH","priorValue":11488361,"priorShares":36965},{"issuer":"SPROTT PHYSICAL GOLD TRUST","titleOfClass":"Closed-end Fund","cusip":"85207H104","value":10339591,"shares":342711,"shareType":"SH","priorValue":13310094,"priorShares":375567},{"issuer":"MASTERCARD INC - A","titleOfClass":"Common / Ordinary Stock","cusip":"57636Q104","value":10173389,"shares":19808,"shareType":"SH","priorValue":9996698,"priorShares":20007},{"issuer":"NEXTERA ENERGY INC","titleOfClass":"Common / Ordinary Stock","cusip":"65339F101","value":10152093,"shares":115667,"shareType":"SH","priorValue":11554272,"priorShares":124400},{"issuer":"ISHARES 0-5 YR INV GRD CORP","titleOfClass":"Exchange Traded Fund","cusip":"46434V100","value":9775737,"shares":194079,"shareType":"SH","priorValue":9076919,"priorShares":179777},{"issuer":"ISHA CURR HEDGED MSCI EAFE","titleOfClass":"Exchange Traded Fund","cusip":"46434V803","value":9577252,"shares":204097,"shareType":"SH","priorValue":12969518,"priorShares":305201},{"issuer":"TRAVELERS COS INC/THE","titleOfClass":"Common / Ordinary Stock","cusip":"89417E109","value":9514058,"shares":28820,"shareType":"SH","priorValue":8467762,"priorShares":29031},{"issuer":"AMERICAN EXPRESS CO","titleOfClass":"Common / Ordinary Stock","cusip":"025816109","value":9229760,"shares":27287,"shareType":"SH","priorValue":8315115,"priorShares":27490},{"issuer":"VANGUARD MORTGAGE-BACKED SEC","titleOfClass":"Exchange Traded Fund","cusip":"92206C771","value":9081749,"shares":194013,"shareType":"SH","priorValue":7689283,"priorShares":163776},{"issuer":"DEERE & CO","titleOfClass":"Common / Ordinary Stock","cusip":"244199105","value":8938344,"shares":14091,"shareType":"SH","priorValue":7558359,"priorShares":13418},{"issuer":"ISHARES 7-10 YEAR TREASURY B","titleOfClass":"Exchange Traded Fund","cusip":"464287440","value":8529647,"shares":90194,"shareType":"SH","priorValue":8729515,"priorShares":91466},{"issuer":"ABBOTT LABORATORIES","titleOfClass":"Common / Ordinary Stock","cusip":"002824100","value":8422640,"shares":92822,"shareType":"SH","priorValue":10061833,"priorShares":98002},{"issuer":"UNION PACIFIC CORP","titleOfClass":"Common / Ordinary Stock","cusip":"907818108","value":8326464,"shares":30612,"shareType":"SH","priorValue":7464690,"priorShares":30767},{"issuer":"AVANTIS US SMALL CAP VALUE","titleOfClass":"Exchange Traded Fund","cusip":"025072877","value":8062989,"shares":64628,"shareType":"SH","priorValue":4374170,"priorShares":39596},{"issuer":"VANGUARD TOTAL INTL STOCK","titleOfClass":"Exchange Traded Fund","cusip":"921909768","value":8053243,"shares":94201,"shareType":"SH","priorValue":6895330,"priorShares":89422},{"issuer":"ADVANCED MICRO DEVICES","titleOfClass":"Common / Ordinary Stock","cusip":"007903107","value":7987512,"shares":13750,"shareType":"SH","priorValue":2841917,"priorShares":13970},{"issuer":"EATON CORP PLC","titleOfClass":"Common / Ordinary Stock","cusip":"G29183103","value":7824500,"shares":18362,"shareType":"SH","priorValue":6708173,"priorShares":18755},{"issuer":"ISHARES 20 YEAR TREASURY BD","titleOfClass":"Exchange Traded Fund","cusip":"464287432","value":7731220,"shares":89461,"shareType":"SH","priorValue":8940340,"priorShares":103130},{"issuer":"STATE STREET SPDR S&P MIDCAP","titleOfClass":"Exchange Traded Fund","cusip":"78467Y107","value":7724783,"shares":10983,"shareType":"SH","priorValue":6683211,"priorShares":10836},{"issuer":"SS REAL ESTATE SELECT SECTOR","titleOfClass":"Exchange Traded Fund","cusip":"81369Y860","value":7689355,"shares":174639,"shareType":"SH","priorValue":726815,"priorShares":17801},{"issuer":"WELLS FARGO & CO","titleOfClass":"Common / Ordinary Stock","cusip":"949746101","value":7582790,"shares":91757,"shareType":"SH","priorValue":7349587,"priorShares":92320},{"issuer":"LOCKHEED MARTIN CORP","titleOfClass":"Common / Ordinary Stock","cusip":"539830109","value":7280693,"shares":14291,"shareType":"SH","priorValue":8628272,"priorShares":14276},{"issuer":"BOEING CO/THE","titleOfClass":"Common / Ordinary Stock","cusip":"097023105","value":7086795,"shares":32738,"shareType":"SH","priorValue":6391251,"priorShares":32112},{"issuer":"TAIWAN SEMICONDUCTOR-SP ADR","titleOfClass":"American Depository Receipts ADR","cusip":"874039100","value":6844342,"shares":14332,"shareType":"SH","priorValue":4560162,"priorShares":13494},{"issuer":"S&P GLOBAL INC","titleOfClass":"Common / Ordinary Stock","cusip":"78409V104","value":6612843,"shares":16237,"shareType":"SH","priorValue":7032742,"priorShares":16534},{"issuer":"NETFLIX INC","titleOfClass":"Common / Ordinary Stock","cusip":"64110L106","value":6583366,"shares":92204,"shareType":"SH","priorValue":8799456,"priorShares":91518},{"issuer":"MORGAN STANLEY","titleOfClass":"Common / Ordinary Stock","cusip":"617446448","value":6561556,"shares":31389,"shareType":"SH","priorValue":5060857,"priorShares":30752},{"issuer":"VANGUARD DIVIDEND APPREC ETF","titleOfClass":"Exchange Traded Fund","cusip":"921908844","value":6552007,"shares":27690,"shareType":"SH","priorValue":5692208,"priorShares":26468},{"issuer":"PHILIP MORRIS INTERNATIONAL","titleOfClass":"Common / Ordinary Stock","cusip":"718172109","value":6456111,"shares":35687,"shareType":"SH","priorValue":5811183,"priorShares":35147},{"issuer":"BANK OF NEW YORK MELLON CORP","titleOfClass":"Common / Ordinary Stock","cusip":"064058100","value":6172822,"shares":42686,"shareType":"SH","priorValue":5271680,"priorShares":44438},{"issuer":"NORTHROP GRUMMAN CORP","titleOfClass":"Common / Ordinary Stock","cusip":"666807102","value":6112229,"shares":12001,"shareType":"SH","priorValue":8308319,"priorShares":12178},{"issuer":"STRYKER CORP","titleOfClass":"Common / Ordinary Stock","cusip":"863667101","value":6047006,"shares":19207,"shareType":"SH","priorValue":6429060,"priorShares":19566},{"issuer":"PFIZER INC","titleOfClass":"Common / Ordinary Stock","cusip":"717081103","value":5994401,"shares":248937,"shareType":"SH","priorValue":7209005,"priorShares":256731},{"issuer":"QUALCOMM INC","titleOfClass":"Common / Ordinary Stock","cusip":"747525103","value":5961141,"shares":32259,"shareType":"SH","priorValue":4403503,"priorShares":34194},{"issuer":"ACCENTURE PLC-CL A","titleOfClass":"Common / Ordinary Stock","cusip":"G1151C101","value":5947859,"shares":47797,"shareType":"SH","priorValue":9766377,"priorShares":49253},{"issuer":"SCHWAB (CHARLES) CORP","titleOfClass":"Common / Ordinary Stock","cusip":"808513105","value":5807105,"shares":62936,"shareType":"SH","priorValue":6212172,"priorShares":66101},{"issuer":"VANGUARD FTSE ALL-WORLD EX-U","titleOfClass":"Exchange Traded Fund","cusip":"922042775","value":5769286,"shares":68887,"shareType":"SH","priorValue":4628338,"priorShares":61629},{"issuer":"AUTOMATIC DATA PROCESSING","titleOfClass":"Common / Ordinary Stock","cusip":"053015103","value":5577699,"shares":24906,"shareType":"SH","priorValue":4863114,"priorShares":23935},{"issuer":"ISHARES CORE S&P U.S. GROWTH","titleOfClass":"Exchange Traded Fund","cusip":"464287671","value":5533608,"shares":29420,"shareType":"SH","priorValue":4572798,"priorShares":29481},{"issuer":"GOLDMAN SACHS GROUP INC","titleOfClass":"Common / Ordinary Stock","cusip":"38141G104","value":5520260,"shares":5458,"shareType":"SH","priorValue":4789319,"priorShares":5661},{"issuer":"CSX CORP","titleOfClass":"Common / Ordinary Stock","cusip":"126408103","value":5518043,"shares":116096,"shareType":"SH","priorValue":4724034,"priorShares":115080},{"issuer":"ISHARES SELECT U.S. REIT ETF","titleOfClass":"Exchange Traded Fund","cusip":"464287564","value":5501498,"shares":81347,"shareType":"SH","priorValue":5226549,"priorShares":84449},{"issuer":"ISHARES MSCI CHINA ETF","titleOfClass":"Exchange Traded Fund","cusip":"46429B671","value":5464115,"shares":107087,"shareType":"SH"},{"issuer":"3M CO","titleOfClass":"Common / Ordinary Stock","cusip":"88579Y101","value":5364828,"shares":33135,"shareType":"SH","priorValue":4836540,"priorShares":33303},{"issuer":"TJX COMPANIES INC","titleOfClass":"Common / Ordinary Stock","cusip":"872540109","value":5312075,"shares":35063,"shareType":"SH","priorValue":5053739,"priorShares":31645},{"issuer":"AT&T INC","titleOfClass":"Common / Ordinary Stock","cusip":"00206R102","value":5226405,"shares":252483,"shareType":"SH","priorValue":8055635,"priorShares":277876},{"issuer":"ISHARES 1-3 YEAR TREASURY BO","titleOfClass":"Exchange Traded Fund","cusip":"464287457","value":5190173,"shares":63210,"shareType":"SH","priorValue":4379761,"priorShares":53043},{"issuer":"ANALOG DEVICES INC","titleOfClass":"Common / Ordinary Stock","cusip":"032654105","value":5181877,"shares":13047,"shareType":"SH","priorValue":4190858,"priorShares":13173},{"issuer":"PALO ALTO NETWORKS INC","titleOfClass":"Common / Ordinary Stock","cusip":"697435105","value":5181799,"shares":15195,"shareType":"SH","priorValue":2719188,"priorShares":16961},{"issuer":"STARBUCKS CORP","titleOfClass":"Common / Ordinary Stock","cusip":"855244109","value":5120639,"shares":50109,"shareType":"SH","priorValue":3970808,"priorShares":44322},{"issuer":"ILLINOIS TOOL WORKS","titleOfClass":"Common / Ordinary Stock","cusip":"452308109","value":5087541,"shares":18810,"shareType":"SH","priorValue":5051448,"priorShares":19407},{"issuer":"LAM RESEARCH CORP","titleOfClass":"Common / Ordinary Stock","cusip":"512807306","value":4982429,"shares":11498,"shareType":"SH","priorValue":2472474,"priorShares":11572},{"issuer":"BRISTOL-MYERS SQUIBB CO","titleOfClass":"Common / Ordinary Stock","cusip":"110122108","value":4833108,"shares":83879,"shareType":"SH","priorValue":5352241,"priorShares":88248},{"issuer":"SS SPDR P ST C CORP ETF","titleOfClass":"Exchange Traded Fund","cusip":"78464A474","value":4825278,"shares":160789,"shareType":"SH","priorValue":8787717,"priorShares":292242},{"issuer":"WALT DISNEY CO/THE","titleOfClass":"Common / Ordinary Stock","cusip":"254687106","value":4823762,"shares":50117,"shareType":"SH","priorValue":5303116,"priorShares":55023},{"issuer":"GILEAD SCIENCES INC","titleOfClass":"Common / Ordinary Stock","cusip":"375558103","value":4811532,"shares":38084,"shareType":"SH","priorValue":5327836,"priorShares":38228},{"issuer":"DIMENSIONAL US MARKETWIDE VA","titleOfClass":"Exchange Traded Fund","cusip":"25434V724","value":4792746,"shares":87125,"shareType":"SH","priorValue":4093416,"priorShares":84470},{"issuer":"VANGUARD HIGH DVD YIELD ETF","titleOfClass":"Exchange Traded Fund","cusip":"921946406","value":4785780,"shares":30284,"shareType":"SH","priorValue":4161906,"priorShares":28102},{"issuer":"MCKESSON CORP","titleOfClass":"Common / Ordinary Stock","cusip":"58155Q103","value":4771312,"shares":6315,"shareType":"SH","priorValue":5544881,"priorShares":6408},{"issuer":"DIMENSIONAL US CORE EQUITY 2","titleOfClass":"Exchange Traded Fund","cusip":"25434V708","value":4733123,"shares":106698,"shareType":"SH","priorValue":4078823,"priorShares":104962},{"issuer":"SOUTHERN CO/THE","titleOfClass":"Common / Ordinary Stock","cusip":"842587107","value":4671470,"shares":48809,"shareType":"SH","priorValue":4494607,"priorShares":46567},{"issuer":"ST SR UTL SL SE SPDR ETF-USD","titleOfClass":"Exchange Traded Fund","cusip":"81369Y886","value":4653063,"shares":102626,"shareType":"SH","priorValue":2774555,"priorShares":60461},{"issuer":"HONEYWELL INTERNATIONAL INC","titleOfClass":"Common / Ordinary Stock","cusip":"438516205","value":4586592,"shares":20485,"shareType":"SH"},{"issuer":"CAPITAL ONE FINANCIAL CORP","titleOfClass":"Common / Ordinary Stock","cusip":"14040H105","value":4572531,"shares":22792,"shareType":"SH","priorValue":4058338,"priorShares":22246},{"issuer":"REVOLUTION MEDICINES INC","titleOfClass":"Common / Ordinary Stock","cusip":"76155X100","value":4545660,"shares":24272,"shareType":"SH"},{"issuer":"HONEYWELL AEROSPACE INC","titleOfClass":"Common / Ordinary Stock","cusip":"43849R105","value":4527055,"shares":20477,"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 Wealth 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."}