Wealthstream Advisors, Inc.

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CIK 1833780

13F portfolio (2025-Q3)

$661M

Positions

204

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2025-Q2. A lagged quarterly snapshot (filed ≤45 days after quarter-end); excludes shorts, options, cash, and shares listed only on non-US exchanges — foreign companies held via a US listing or ADR (e.g. Alibaba, TSMC) ARE included.

Implied return what this book implies · modeled, not advice methodology →

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As filed = each book applied at its quarter-end (what the reported book did) · As copyable = applied at its statutory 45-day filing deadline (what a 13F follower could have earned).

Computing…

Hypothetical modeled performance constructed with hindsight — not actual results, and not indicative of future results. See the Disclaimer.

Exposures · what this manager owns, by sector & size (2025-Q3)

Holdings

204

Top 5

64.5%

Top 10

73.7%

Effective N

7.8

HHI

0.129

This quarter

23 new · 0 exit →

By sector

Unclassified87.8%

Information Technology5.6%

Financials2.0%

Communication Services1.6%

Consumer Discretionary1.4%

Health Care0.5%

Industrials0.5%

Energy0.2%

Other0.4%

By market cap

Unknown89.4%

Mega (>$200B)8.2%

Large ($10–200B)1.2%

Mid ($2–10B)1.2%

Small ($300M–2B)0.0%

By region

Other87.8%

North America10.9%

Asia-Pacific0.8%

Europe0.5%

Middle East0.0%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	88.01%	93
Software & IT Services	2.53%	6
Semiconductors & Semiconductor Equipment	1.58%	8
Software	1.43%	6
Banks	1.08%	20
Specialty Retail	0.96%	6
Technology Hardware & Equipment	0.85%	3
Pharmaceuticals & Biotechnology	0.48%	6
Electrical Equipment & Components	0.43%	3
Capital Markets	0.36%	6
Commercial Services & Supplies	0.32%	5
Automobiles & Components	0.21%	1
Insurance	0.20%	3
Hotels, Restaurants & Leisure	0.20%	3
Media & Entertainment	0.20%	1
Oil, Gas & Consumable Fuels	0.19%	3
Machinery	0.11%	2
Communications Equipment	0.10%	3
Chemicals	0.09%	3
Diversified Telecommunication Services	0.08%	3
Aerospace & Defense	0.08%	2
Construction & Engineering	0.07%	1
Tobacco	0.07%	2
Beverages	0.05%	1
Utilities	0.05%	4
Real Estate Management & Development	0.04%	1
Professional Services	0.04%	1
Metals & Mining	0.04%	2
Health Care Equipment & Supplies	0.03%	1
Road & Rail	0.03%	1
Household Durables	0.03%	1
Transportation Infrastructure	0.03%	1
Equity Real Estate Investment Trusts (REITs)	0.02%	2

Top holdings

#	Ticker	Name	Sector	Weight
1	DFAC	DIMENSIONAL ETF TRUST	Unclassified	29.65%
2	DFIC	DIMENSIONAL ETF TRUST	Unclassified	16.06%
3	DFEM	DIMENSIONAL ETF TRUST	Unclassified	7.21%
4	DUHP	DIMENSIONAL ETF TRUST	Unclassified	6.29%
5	DFUS	DIMENSIONAL ETF TRUST	Unclassified	5.32%
6	IWV	ISHARES TR	Unclassified	3.09%
7	AVGE	AMERICAN CENTY ETF TR	Unclassified	2.14%
8	IEFA	ISHARES TR	Unclassified	1.43%
9	VTHR	VANGUARD SCOTTSDALE FDS	Unclassified	1.38%
10	LIF	Life360, Inc.	Information Technology	1.17%

112/204 names classified · sector 12.2% of weight · industry 12.0% · mkt cap 10.6%; unclassified names shown, never dropped.

Sector allocation over time · how the GICS mix & top names shifted quarter by quarter

top 5/sector, rest → “Other” · 16 quarters

Information TechnologyMSFT, AAPL, LIF, NVDA, AVGO · other

Consumer DiscretionaryAMZN, HD, TSLA, COST, MCD · other

FinancialsJPM, BRK.B, UNH, GS, BAC · other

Communication ServicesGOOGL, GOOG, META, NFLX, CMCSA · other

Health CareLLY, JNJ, ABBV, PFE, THC · other

IndustrialsACN, ASML, LMT, WM, BA · other

EnergyXOM, SHEL, CVX, COP, PSX

MaterialsNKE, PG, APD, LIN, AEM · other

Consumer StaplesKO, PM, PEP, MDLZ, BTI · other

Real EstateCBRE, PLD, ADC, MPT, ESRT

UtilitiesNEE, KEP, ENIC, UGP, CIG

UnclassifiedDFUS, DFAC, DFIC, IWV, DFEM · other

Sector is classified on each name's CURRENT fundamentals, not point-in-time — apparent sector drift can reflect the market re-rating a holding, not a manager trade. 13F is a lagged quarterly snapshot of long positions in US-listed securities only — foreign companies held via a US listing or ADR ARE included, but shares listed only on non-US exchanges (plus shorts, options and cash) are not. Latest quarter: 12.2% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2025-Q3), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 10% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (70 classified)Wealthstream Advisors, Inc. centroid (Large Growth)

Information TechnologyCommunication ServicesConsumer DiscretionaryFinancialsHealth CareIndustrialsEnergyConsumer StaplesMaterialsReal Estate

Style box summary for Wealthstream Advisors, Inc.: centroid Large Growth. Heaviest cells: Large Growth 5.8%, Large Core 2.0%, Small Growth 1.2%.

Classified: 10.4% of book weight (70/204 names) · unclassified 89.6%: DFAC, DFIC, DFEM, DUHP, DFUS, IWV, AVGE, IEFA, VTHR, DFUV +124 more. Size: cap 70/20/10 bands; style: value/growth composite on our own metrics — not Morningstar's model.

Contribution holdings-based, any period

No contribution data for this period.

Holdings· 204 positions (2025-Q3) · largest first · Δ vs 2025-Q2

#	Security	Shares	Value	Weight	Δ QoQ
1	DFACDIMENSIONAL ETF TRUST	5,084,210	$196M	29.7%	ADD 2%
2	DFICDIMENSIONAL ETF TRUST	3,239,940	$106M	16.1%	HOLD
3	DFEMDIMENSIONAL ETF TRUST	1,487,693	$48M	7.2%	HOLD
4	DUHPDIMENSIONAL ETF TRUST	1,100,984	$42M	6.3%	ADD 4%
5	DFUSDIMENSIONAL ETF TRUST	485,558	$35M	5.3%	TRIM −2%
6	IWVISHARES TR	53,882	$20M	3.1%	HOLD
7	AVGEAMERICAN CENTY ETF TR	169,428	$14M	2.1%	ADD 3%
8	IEFAISHARES TR	107,997	$9M	1.4%	HOLD
9	VTHRVANGUARD SCOTTSDALE FDS	31,114	$9M	1.4%	TRIM −5%
10	LIFLIFE360 INC	72,553	$8M	1.2%	ADD 18%
11	MSFTMICROSOFT CORP	14,089	$7M	1.1%	ADD 2%
12	DFUVDIMENSIONAL ETF TRUST	153,470	$7M	1.0%	TRIM −2%
13	VTIVANGUARD INDEX FDS	19,267	$6M	1.0%	HOLD
14	NVDANVIDIA CORPORATION	31,560	$6M	0.9%	ADD 9%
15	TILTFLEXSHARES TR	23,446	$6M	0.9%	ADD 15%
16	EAGL2023 ETF SERIES TRUST	175,834	$5M	0.8%	HOLD
17	AAPLAPPLE INC	19,340	$5M	0.7%	ADD 4%
18	SPYSTATE STR SPDR S&P 500 ETF T	7,042	$5M	0.7%	TRIM −23%
19	DFATDIMENSIONAL ETF TRUST	71,368	$4M	0.6%	HOLD
20	VOOVANGUARD INDEX FDS	6,214	$4M	0.6%	TRIM −6%
21	IWFISHARES TR	7,963	$4M	0.6%	TRIM −2%
22	AMZNAMAZON COM INC	15,489	$3M	0.5%	ADD 7%
23	GOOGLALPHABET INC	13,112	$3M	0.5%	ADD 3%
24	AVSUAMERICAN CENTY ETF TR	41,486	$3M	0.5%	ADD 8%
25	VTVANGUARD INTL EQUITY INDEX F	20,294	$3M	0.4%	HOLD
26	METAMETA PLATFORMS INC	3,772	$3M	0.4%	ADD 5%
27	IEMGISHARES INC	40,700	$3M	0.4%	HOLD
28	GOOGALPHABET INC	10,833	$3M	0.4%	ADD 5%
29	DFASDIMENSIONAL ETF TRUST	36,388	$2M	0.4%	TRIM −6%
30	VUGVANGUARD INDEX FDS	4,990	$2M	0.4%	HOLD
31	GEWEA SERIES TRUST	47,499	$2M	0.4%	NEW
32	AVSDAMERICAN CENTY ETF TR	31,304	$2M	0.3%	HOLD
33	AVDEAMERICAN CENTY ETF TR	27,544	$2M	0.3%	ADD 13%
34	TSMTAIWAN SEMICONDUCTOR MFG LTD	6,592	$2M	0.3%	ADD 11%
35	AVGOBROADCOM INC	4,914	$2M	0.2%	HOLD
36	AVEMAMERICAN CENTY ETF TR	20,792	$2M	0.2%	ADD 7%
37	VVVANGUARD INDEX FDS	4,777	$1M	0.2%	HOLD
38	JPMJPMORGAN CHASE & CO	4,658	$1M	0.2%	ADD 5%
39	GEGE AEROSPACE	4,827	$1M	0.2%	HOLD
40	SOXXISHARES TR	5,269	$1M	0.2%	HOLD
41	ILCGISHARES TR	13,565	$1M	0.2%	HOLD
42	TSLATESLA INC	3,088	$1M	0.2%	ADD 8%
43	BRK.BBERKSHIRE HATHAWAY INC DEL	2,729	$1M	0.2%	ADD 5%
44	LLYELI LILLY & CO	1,776	$1M	0.2%	ADD 13%
45	NFLXNETFLIX INC	1,094	$1M	0.2%	ADD 3%
46	IWBISHARES TR	3,489	$1M	0.2%	HOLD
47	GSGOLDMAN SACHS GROUP INC	1,522	$1M	0.2%	HOLD
48	IVWISHARES TR	9,938	$1M	0.2%	TRIM −17%
49	SCHBSCHWAB STRATEGIC TR	45,903	$1M	0.2%	ADD 15%
50	DFAXDIMENSIONAL ETF TRUST	37,473	$1M	0.2%	HOLD
51	VEAVANGUARD TAX-MANAGED FDS	19,207	$1M	0.2%	HOLD
52	TLTEFLEXSHARES TR	17,080	$1M	0.2%	HOLD
53	EWCISHARES INC	19,793	$1M	0.2%	HOLD
54	ORCLORACLE CORP	3,534	$993,802	0.2%	ADD 26%
55	IYWISHARES TR	5,048	$988,641	0.1%	HOLD
56	IJHISHARES TR	15,067	$983,283	0.1%	TRIM −30%
57	GEVGE VERNOVA INC	1,573	$967,254	0.1%	HOLD
58	ICFIShares Cohen & Steers REIT ETF	15,531	$957,036	0.1%	HOLD
59	COSTCOSTCO WHSL CORP NEW	1,032	$955,242	0.1%	HOLD
60	VTVVANGUARD INDEX FDS	5,090	$949,310	0.1%	TRIM −29%
61	HDHOME DEPOT INC	2,142	$867,861	0.1%	ADD 4%
62	SPYVSPDR SERIES TRUST	14,932	$826,193	0.1%	HOLD
63	VXFVANGUARD INDEX FDS	3,849	$805,778	0.1%	HOLD
64	FDNFIRST TR EXCHANGE-TRADED FD	2,765	$773,758	0.1%	HOLD
65	BNDVANGUARD BD INDEX FDS	10,037	$746,461	0.1%	HOLD
66	VVISA INC	2,034	$694,286	0.1%	ADD 5%
67	WFCWELLS FARGO CO NEW	8,204	$687,672	0.1%	ADD 3%
68	UNHUNITEDHEALTH GROUP INC	1,962	$677,317	0.1%	HOLD
69	EAGGISHARES TR	14,087	$676,579	0.1%	HOLD
70	MGKVanguard Mega Cap Growth ETF	1,671	$672,391	0.1%	HOLD
71	IVVISHARES TR	997	$666,973	0.1%	HOLD
72	VWOVANGUARD INTL EQUITY INDEX F	12,162	$658,920	0.1%	HOLD
73	VBRVANGUARD INDEX FDS	3,094	$645,645	0.1%	HOLD
74	IWNISHARES TR	3,628	$641,532	0.1%	HOLD
75	BSVVANGUARD BD INDEX FDS	7,997	$631,045	0.1%	HOLD
76	MARMARRIOTT INTL INC NEW	2,356	$613,584	0.1%	HOLD
77	QQQINVESCO QQQ TR	1,011	$606,831	0.1%	HOLD
78	DFSEDIMENSIONAL ETF TRUST	14,555	$598,051	0.1%	ADD 13%
79	SSOPROSHARES TR	5,276	$591,621	0.1%	TRIM −3%
80	WMTWALMART INC	5,498	$566,603	0.1%	ADD 7%
81	DFGRDIMENSIONAL ETF TRUST	19,741	$539,121	0.1%	HOLD
82	DCORDIMENSIONAL ETF TRUST	7,419	$533,742	0.1%	ADD 10%
83	AVUSAMERICAN CENTY ETF TR	4,906	$533,282	0.1%	HOLD
84	ASMLASML HOLDING N V	533	$516,020	0.1%	ADD 12%
85	XOMEXXON MOBIL CORP	4,558	$513,935	0.1%	ADD 9%
86	AVSEAMERICAN CENTY ETF TR	8,042	$511,215	0.1%	TRIM −17%
87	COFCAPITAL ONE FINL CORP	2,358	$501,244	0.1%	HOLD
88	MAMASTERCARD INCORPORATED	881	$501,218	0.1%	ADD 8%
89	AERAERCAP HOLDINGS NV	4,079	$493,559	0.1%	HOLD
90	ABBVABBVIE INC	2,107	$487,933	0.1%	ADD 3%
91	EMEEMCOR GROUP INC	744	$483,270	0.1%	ADD 3%
92	JNJJOHNSON & JOHNSON	2,566	$475,736	0.1%	ADD 22%
93	PLTRPALANTIR TECHNOLOGIES INC	2,524	$460,428	0.1%	ADD 8%
94	IBMINTERNATIONAL BUSINESS MACHS	1,623	$457,827	0.1%	ADD 12%
95	SHELSHELL PLC	6,321	$452,149	0.1%	ADD 8%
96	VOVANGUARD INDEX FDS	1,496	$439,400	0.1%	HOLD
97	BACBANK AMERICA CORP	8,353	$430,956	0.1%	HOLD
98	ESGUISHARES TR	2,944	$428,667	0.1%	HOLD
99	DFSVDIMENSIONAL ETF TRUST	13,345	$424,890	0.1%	HOLD
100	VIGVANGUARD SPECIALIZED FUNDS	1,938	$418,166	0.1%	HOLD
101	HDBHDFC BANK LTD	12,099	$413,302	0.1%	ADD 118%
102	HLTHILTON WORLDWIDE HLDGS INC	1,588	$411,991	0.1%	HOLD
103	IGVISHARES TR	3,500	$402,535	0.1%	HOLD
104	AONAON PLC	1,119	$399,026	0.1%	HOLD
105	SANBANCO SANTANDER S.A.	37,698	$395,075	0.1%	ADD 14%
106	WWDWOODWARD INC	1,553	$392,459	0.1%	ADD 3%
107	IJKISHARES TR	4,000	$383,560	0.1%	TRIM −29%
108	IBNICICI BANK LIMITED	12,656	$382,599	0.1%	ADD 14%
109	EFAISHARES TR	4,068	$379,857	0.1%	HOLD
110	BABAALIBABA GROUP HLDG LTD	2,111	$377,299	0.1%	ADD 18%
111	MSIMOTOROLA SOLUTIONS INC	808	$369,494	0.1%	ADD 5%
112	VOTVANGUARD INDEX FDS	1,202	$353,136	0.1%	TRIM −12%
113	KOCOCA COLA CO	5,185	$343,853	0.1%	TRIM −7%
114	VNQVANGUARD INDEX FDS	3,690	$337,362	0.1%	HOLD
115	BNDXVANGUARD CHARLOTTE FDS	6,813	$336,954	0.1%	HOLD
116	VOEVANGUARD INDEX FDS	1,897	$331,230	0.1%	HOLD
117	RTXRTX CORPORATION	1,949	$326,120	0.0%	ADD 4%
118	TJXTJX COS INC NEW	2,245	$324,483	0.0%	ADD 4%
119	SDYSPDR SER TR	2,310	$323,516	0.0%	HOLD
120	WFWOORI FINANCIAL GROUP INC	5,729	$321,698	0.0%	ADD 10%
121	CVXCHEVRON CORP NEW	2,069	$321,286	0.0%	ADD 19%
122	TLTDFLEXSHARES TR	3,617	$320,978	0.0%	HOLD
123	URIUNITED RENTALS INC	335	$319,818	0.0%	ADD 3%
124	IUSVISHARES TR	3,173	$317,147	0.0%	TRIM −19%
125	NVSNOVARTIS AG	2,402	$308,021	0.0%	ADD 22%
126	IGPTINVESCO EXCHANGE TRADED FD T	5,700	$307,971	0.0%	HOLD
127	MCDMCDONALDS CORP	995	$302,310	0.0%	ADD 3%
128	DFAUDIMENSIONAL ETF TRUST	6,561	$300,210	0.0%	HOLD
129	AMPAMERIPRISE FINL INC	611	$300,183	0.0%	HOLD
130	RDYDR REDDYS LABS LTD	21,258	$297,187	0.0%	ADD 20%
131	HSBCHSBC HLDGS PLC	4,046	$287,209	0.0%	ADD 13%
132	SAPSAP SE	1,065	$284,661	0.0%	TRIM −8%
133	AXPAMERICAN EXPRESS CO	851	$282,718	0.0%	ADD 4%
134	CBRECBRE GROUP INC	1,762	$277,621	0.0%	ADD 3%
135	PGPROCTER AND GAMBLE CO	1,790	$275,002	0.0%	TRIM −13%
136	PGRPROGRESSIVE CORP	1,111	$274,412	0.0%	ADD 5%
137	ABTABBOTT LABS	2,043	$273,628	0.0%	HOLD
138	DFSUDIMENSIONAL ETF TRUST	6,405	$272,021	0.0%	NEW
139	CGWINVESCO EXCH TRADED FD TR II	4,234	$271,992	0.0%	HOLD
140	EVREVERCORE INC	806	$271,880	0.0%	HOLD
141	EMBISHARES TR	2,838	$270,108	0.0%	HOLD
142	BLKBLACKROCK INC	228	$265,818	0.0%	ADD 6%
143	AMDADVANCED MICRO DEVICES INC	1,621	$262,262	0.0%	NEW
144	INGING GROEP N.V.	10,028	$261,522	0.0%	NEW
145	PMPHILIP MORRIS INTL INC	1,582	$256,600	0.0%	ADD 8%
146	QCOMQUALCOMM INC	1,536	$255,458	0.0%	HOLD
147	CHTCHUNGHWA TELECOM CO LTD	5,844	$254,915	0.0%	ADD 15%
148	ISHGISHARES TR	3,339	$254,340	0.0%	HOLD
149	CSCOCISCO SYS INC	3,663	$250,624	0.0%	ADD 16%
150	LYGLLOYDS BANKING GROUP PLC	55,092	$250,118	0.0%	ADD 11%
151	UBSUBS GROUP AG	6,091	$249,727	0.0%	NEW
152	VONVVANGUARD SCOTTSDALE FDS	2,791	$249,473	0.0%	HOLD
153	GGENPACT LIMITED	5,888	$246,648	0.0%	TRIM −2%
154	VXUSVANGUARD STAR FDS	3,348	$245,913	0.0%	HOLD
155	EEMISHARES TR	4,527	$241,726	0.0%	HOLD
156	AMATAPPLIED MATLS INC	1,172	$240,030	0.0%	ADD 6%
157	DFLVDIMENSIONAL ETF TRUST	7,257	$238,748	0.0%	HOLD
158	DBDEUTSCHE BK AG	6,628	$234,697	0.0%	NEW
159	GLDSPDR GOLD TR	658	$233,899	0.0%	HOLD
160	SCHWSCHWAB CHARLES CORP	2,446	$233,532	0.0%	TRIM −7%
161	SMFGSUMITOMO MITSUI FINL GROUP I	13,947	$233,473	0.0%	ADD 18%
162	DFAIDIMENSIONAL ETF TRUST	6,286	$228,506	0.0%	HOLD
163	BCSBARCLAYS PLC	10,932	$225,964	0.0%	NEW
164	LINLINDE PLC	475	$225,640	0.0%	ADD 4%
165	SYKSTRYKER CORPORATION	610	$225,516	0.0%	HOLD
166	DISVDIMENSIONAL ETF TRUST	6,291	$224,543	0.0%	HOLD
167	IGMISHARES TR	1,779	$224,105	0.0%	NEW
168	LRCXLAM RESEARCH CORP	1,656	$221,716	0.0%	NEW
169	FASTFASTENAL CO	4,441	$217,790	0.0%	NEW
170	IYJISHARES TR	1,490	$217,306	0.0%	HOLD
171	NOWSERVICENOW INC	236	$217,186	0.0%	TRIM −17%
172	TAT&T INC	7,661	$216,347	0.0%	ADD 8%
173	INFYINFOSYS LTD	13,055	$212,405	0.0%	TRIM −4%
174	LPLLG DISPLAY CO LTD	40,529	$211,561	0.0%	ADD 43%
175	INTUINTUIT	308	$210,342	0.0%	HOLD
176	CNICANADIAN NATL RY CO	2,226	$209,882	0.0%	HOLD
177	ACNACCENTURE PLC IRELAND	848	$209,023	0.0%	TRIM −20%
178	IYCISHARES TR	1,994	$208,997	0.0%	NEW
179	WITWIPRO LTD	78,244	$205,782	0.0%	ADD 12%
180	AEMAGNICO EAGLE MINES LTD	1,220	$205,643	0.0%	NEW
181	KBKB FINL GROUP INC	2,477	$205,368	0.0%	NEW
182	SONYSONY GROUP CORP	7,106	$204,582	0.0%	NEW
183	MFGMIZUHO FINANCIAL GROUP INC	30,495	$204,314	0.0%	ADD 15%
184	BTIBRITISH AMERN TOB PLC	3,817	$202,606	0.0%	NEW
185	LMTLOCKHEED MARTIN CORP	402	$200,882	0.0%	NEW
186	BKNGBOOKING HOLDINGS INC	37	$200,826	0.0%	NEW
187	BNSBANK NOVA SCOTIA B C	3,094	$200,027	0.0%	NEW
188	BBVABANCO BILBAO VIZCAYA ARGENTA	10,386	$199,931	0.0%	NEW
189	ASXASE TECHNOLOGY HLDG CO LTD	17,574	$194,896	0.0%	ADD 20%
190	UMCUnited Microelectronics ADR	23,586	$178,782	0.0%	TRIM −6%
191	KEPKOREA ELECTRIC PWR	12,594	$164,352	0.0%	ADD 6%
192	COMPANHIA PARANAENSE DE ENER	13,705	$134,309	0.0%	HOLD
193	PMLPIMCO MUN INCOME FD II	13,589	$107,489	0.0%	NEW
194	NMRNOMURA HLDGS INC	13,668	$99,366	0.0%	ADD 9%
195	ICLICL GROUP LTD	13,163	$81,937	0.0%	ADD 13%
196	ESRTEMPIRE ST RLTY TR INC	10,142	$77,686	0.0%	TRIM −13%
197	ENICENEL CHILE S.A.	19,583	$76,178	0.0%	ADD 24%
198	CFFNCAPITOL FED FINL INC	10,251	$65,094	0.0%	NEW
199	TKCTURKCELL ILETISIM HIZMETLERI	10,781	$64,901	0.0%	NEW
200	UGPULTRAPAR PARTICIPACOES S A	14,955	$61,316	0.0%	ADD 7%

showing the top 200 by weight

☆Wealthstream Advisors, Inc.