TCM

Towneley Capital Management Portfolio holdings

AUM $427M

AUM

$427M

AUM Growth

+$6.48M (+2%)

Cap. Flow

+$14M

Cap. Flow % of AUM

3.28%

Top 10 Holdings %Top 10 Hldgs %

85.16%

Holding

New

Increased

Reduced

Closed

Top Buys

1	Vanguard Total Stock Market ETF VTI	$5.95M
2	Vanguard Total International Stock ETF VXUS	$2.35M
3	Apple AAPL	$2.28M
4	Harbor Long-Term Growers ETF WINN	$1.35M
5	Vanguard Tax-Exempt Bond Index Fund VTEB	$1.09M

Top Sells

1	Eli Lilly LLY	$6.42M
2	Microsoft MSFT	$742K
3	SPDR Gold Trust GLD	$111K
4	Vanguard Growth ETF VUG	$47.1K
5	Vanguard Value ETF VTV	$41.3K

Sector Composition

1	Technology	0.66%
2	Financials	0.38%
3	Communication Services	0.1%
4	Healthcare	0.08%
5	Consumer Staples	0.06%

#	Name	Market Value	Portfolio Weight	Shares or Principal	Shares Change %	Capital Flow
1	1 Vanguard Total Stock Market ETF VTI $484B	$126M	29.59%	460,228 +21,632	+5%	+$5.95M
2	2 Vanguard Total International Stock ETF VXUS $93.9B	$53.3M	12.48%	858,852 +37,836	+5%	+$2.35M
3	3 Vanguard Intermediate-Term Treasury ETF VGIT $31.3B	$29M	6.79%	488,406 +16,046	+3%	+$953K
4	4 Harbor Long-Term Growers ETF WINN $862M	$29M	6.78%	1,183,767 +55,210	+5%	+$1.35M
5	5 Vanguard Short-Term Corporate Bond ETF VCSH $34.8B	$27.9M	6.52%	353,133 +10,593	+3%	+$836K
6	6 abrdn Physical Gold Shares ETF SGOL $5.1B	$22M	5.15%	738,788 +19,136	+3%	+$571K
7	7 Schwab US Dividend Equity ETF SCHD $70.1B	$20.5M	4.79%	732,531 +20,543	+3%	+$574K
8	8 Janus Henderson Mortgage-Backed Securities ETF JMBS $5.43B	$20.2M	4.74%	447,911 +15,303	+4%	+$692K
9	9 Schwab Short-Term US Treasury ETF SCHO $11.2B	$19.8M	4.64%	814,215 +27,566	+4%	+$671K
10	10 Vanguard Tax-Exempt Bond Index Fund VTEB $35.5B	$15.8M	3.69%	317,590 +22,050	+7%	+$1.09M
11	11 Avantis US Small Cap Value ETF AVUV $15.8B	$15.7M	3.68%	180,367 +9,078	+5%	+$791K
12	12 iShares Gold Trust IAU $46.2B	$8.33M	1.95%	141,321 +3,278	+2%	+$193K
13	13 abrdn Physical Precious Metals Basket Shares ETF GLTR $1.41B	$7.7M	1.8%	59,457 +2,286	+4%	+$296K
14	14 Dimensional Emerging Core Equity Market ETF DFAE $5.92B	$7.43M	1.74%	287,064 +9,214	+3%	+$239K
15	15 VanEck Fallen Angel High Yield Bond ETF ANGL $2.82B	$3.54M	0.83%	122,805 +4,086	+3%	+$118K
16	16 SPDR Gold Trust GLD $99B	$3.41M	0.8%	11,836 -385	-3%	-$111K
17	17 Vanguard Long-Term Treasury ETF VGLT $9.63B	$3.21M	0.75%	55,755 +2,154	+4%	+$124K
18	18 Apple AAPL $3.03T	$2.54M	0.59%	11,420 +10,267	+890%	+$2.28M
19	19 Berkshire Hathaway Class B BRK.B $1.06T	$1.38M	0.32%	2,600 +1,637	+170%	+$872K
20	20 Vanguard Short-Term Treasury ETF VGSH $22.4B	$1.37M	0.32%	23,263 +156	+0.7%	+$9.16K
21	21 iShares Core S&P 500 ETF IVV $595B	$944K	0.22%	1,680 -2	-0.1%	-$1.12K
22	22 Vanguard Growth ETF VUG $169B	$766K	0.18%	2,067 -127	-6%	-$47.1K
23	23 SPDR MSCI ACWI ex-US ETF CWI $1.86B	$684K	0.16%	23,122	–	–
24	24 Dimensional US Equity ETF DFUS $14.9B	$597K	0.14%	9,872 -671	-6%	-$40.6K
25	25 Vanguard Value ETF VTV $136B	$520K	0.12%	3,011 -239	-7%	-$41.3K