Instuitional Investor - Penney Financial, Llc

13F Holdings

Filing Period:

No.	Security	Ticker	Shares	Value	% Port
1.	Goldman Sachs Etf Tr		376,205	$43,331,263	29.05%
2.	Vanguard Index Fds		114,559	$33,200,430	22.26%
3.	Vanguard Tax-Managed Fds		276,148	$13,205,384	8.85%
4.	Vanguard Whitehall Funds		78,930	$10,070,714	6.75%
5.	Schwab Strategic Trust	FNDF	278,722	$7,614,689	5.1%