Instuitional Investor - Panoramic Investment Advisors, Llc

13F Holdings

Filing Period:

No.	Security	Ticker	Shares	Value	% Port
1.	Spdr Series Trust	KRE	332,122	$29,186,855	13.96%
2.	Schwab Strategic Trust	SCHD	227,702	$7,926,292	3.79%
3.	Vanguard Index Fds - GROWTH ETF		91,944	$7,920,030	3.79%
4.	Vanguard Malvern Fds - CORE-PLUS BD ETF		92,412	$7,168,967	3.43%
5.	Schwab Strategic Trust	SCHD	175,967	$5,954,710	2.85%