Instuitional Investor - Payne Capital Management, Llc

13F Holdings

Filing Period:

No.	Security	Ticker	Shares	Value	% Port
1.	Schwab Strategic Trust	SCHD	1,538,351	$38,074,181	11.52%
2.	Global X Fds		418,179	$30,920,187	9.36%
3.	Vanguard Tax-Managed Fds		351,057	$22,495,724	6.81%
4.	Vanguard Intl Equity Index Funds	VWO	415,003	$22,430,898	6.79%
5.	Abrdn Etfs		916,191	$22,254,283	6.73%