Instuitional Investor - Panoramic Investment Advisors, Llc

13F Holdings

Filing Period:

No.	Security	Ticker	Shares	Value	% Port
1.	Spdr Series Trust		326,313	$25,563,363	14.38%
2.	Schwab Strategic Trust	FNDF	216,024	$6,288,451	3.54%
3.	Vanguard Malvern Fds - CORE-PLUS BD ETF		77,715	$6,110,606	3.44%
4.	Vanguard Index Fds - GROWTH ETF		11,756	$5,638,179	3.17%
5.	Schwab Strategic Trust	FNDF	170,051	$5,426,321	3.05%