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Changes:SPHD +100.0%VPU -50.0%VOO -50.0%

$NICENEASY move to low risk low volatility dividend based portfolio to skip the current swings of the market

Changes:VPU +50.0%SHLD -50.0%

Utilities are the slow and steady story of the year. they are expected to continue bringing in a steady yield without too much risk.

Changes:SHLD +17.0%VOO +16.0%VCX -33.0%

Removing VCX entirely as this it was a meme stock speculative run that seems to have ended

Changes:VCX +33.0%VOO +0.7%EFC -33.3%SHLD -0.3%

Update the real estate portion with the newly launched VCX Fundrise Innovation Fund

Changes:VOO +33.3%SGOV -33.3%

getting out of treasury bonds due to the new market conditions. replacing them with a broad index instead

Changes:SGOV +33.3%SHLD +33.3%EFC +33.3%BRK.B 0.0%

removing Berkshire Hathaway due to Mr. Buffett's departure. thank you for many wonderful years of growth!