Breakdown by Country

ELM Holdings List

No.	Symbol	Name	% Weight	Shares
1	VBIL	Vanguard 0-3 Month Treasury Bill ETF	39.85%	3,160,200
2	VTI	Vanguard Morningstar Total Stock Market ETF	17.29%	278,227
3	SCHP	Schwab US TIPS ETF	11.27%	2,677,764
4	VWO	Vanguard FTSE Emerging Markets ETF	8.08%	858,536
5	BND	Vanguard Total Bond Market ETF	5.22%	443,100
6	VPL	Vanguard FTSE Pacific ETF	3.53%	197,805
7	VGK	Vanguard FTSE Europe ETF	3.09%	208,186
8	SPYM	State Street SPDR Portfolio S&P 500 ETF	1.95%	131,040
9	SCHH	Schwab U.S. REIT ETF	1.33%	336,954
10	BBCA	JPMorgan BetaBuilders Canada ETF	1.33%	76,515
11	IEUR	iShares Core MSCI Europe ETF	1.22%	96,943
12	BBEU	JPMorgan BetaBuilders Europe ETF	1.19%	92,299
13	VTV	Vanguard Morningstar Value ETF	1.01%	26,497
14	IEMG	iShares Core MSCI Emerging Markets ETF	0.98%	78,637
15	VB	Vanguard Morningstar Small-Cap ETF	0.89%	18,219
16	IUSV	iShares Core S&P US Value ETF	0.54%	27,883
17	AGG	iShares Core U.S. Aggregate Bond ETF	0.42%	26,451
18	FGXXX	First American Government Obligs X	0.26%	1,554,492
19	SCHB	Schwab U.S. Broad Market ETF	0.24%	50,217
20	IPAC	iShares Core MSCI Pacific ETF	0.21%	15,656
21	ITOT	iShares Core S&P Total U.S. Stock Market ETF	0.14%	5,040
22	n/a	OTHER ASSETS AND LIABILITIES	-0.01%	34,622
23	n/a	US DOLLARS	-0.02%	106,780

As of Nov 11, 2026