Q4 2025 Holdings
Filed 2026-02-24 | 1802 holdings | $632.3M | 13F-HR | View on SEC ↗ · Holdings Table ↗
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| Issuer | Class | CUSIP | Value ↓ | Shares | % Portfolio |
|---|---|---|---|---|---|
| Goldman Sachs ETF TR(GBIL) | ACCES TREASURY | 381430529 | $63.3M | 632,985 | 10.0% |
| Schwab Strategic TR(FNDX) | FUNDAMENTAL US L | 808524771 | $54.8M | 2,013,483 | 8.7% |
| Vanguard Scottsdale FDS(VMBS) | MTG-BKD SECS ETF | 92206C771 | $48.9M | 1,038,999 | 7.7% |
| Flexshares TR(TDTT) | IBOXX 3R TARGT | 33939L506 | $47.0M | 1,953,181 | 7.4% |
| Ishares TR(TLT) | 20 YR TR BD ETF | 464287432 | $37.5M | 430,551 | 5.9% |
| Schwab Strategic TR(FNDF) | FUNDAMENTAL INTL | 808524755 | $31.0M | 685,355 | 4.9% |
| Schwab Strategic TR(SCHX) | US LRG CAP ETF | 808524201 | $23.9M | 887,608 | 3.8% |
| Ishares TR(MTUM) | MSCI USA MMENTM | 46432F396 | $23.1M | 92,299 | 3.7% |
| Schwab Strategic TR(FNDA) | FUNDAMENTAL US S | 808524763 | $20.0M | 635,328 | 3.2% |
| Vanguard Index FDS(VTV) | VALUE ETF | 922908744 | $19.5M | 102,294 | 3.1% |
| Ishares TR(QUAL) | MSCI USA QLT FCT | 46432F339 | $16.4M | 82,549 | 2.6% |
| Schwab Strategic TR(SCHF) | INTL EQTY ETF | 808524805 | $13.7M | 571,232 | 2.2% |
| Invesco Exch Traded FD TR II(SPLV) | S&P500 LOW VOL | 46138E354 | $11.6M | 162,975 | 1.8% |
| Ishares Inc(IEMG) | CORE MSCI EMKT | 46434G103 | $10.5M | 155,737 | 1.7% |
| Schwab Strategic TR(SCHD) | US DIVIDEND EQ | 808524797 | $9.9M | 361,691 | 1.6% |
| Ishares TR(IQLT) | MSCI INTL QUALTY | 46434V456 | $9.5M | 209,644 | 1.5% |
| Schwab Strategic TR(FNDE) | FUNDAMENTAL EMER | 808524730 | $7.8M | 216,567 | 1.2% |
| Schwab Strategic TR(FNDC) | FUNDAMENTAL INTL | 808524748 | $7.6M | 169,608 | 1.2% |
| Ishares TR(IJR) | CORE S&P SCP ETF | 464287804 | $7.4M | 61,301 | 1.2% |
| Schwab Strategic TR(SCHA) | US SML CAP ETF | 808524607 | $7.0M | 246,052 | 1.1% |
| Goldman Sachs ETF TR(GSSC) | ACTIVEBETA US | 381430602 | $6.8M | 89,472 | 1.1% |
| Apple Inc(AAPL) | COM | 037833100 | $6.7M | 24,700 | 1.1% |
| Invesco Exch Traded FD TR II(IDLV) | S&P INTL LOW | 46138E230 | $6.6M | 193,895 | 1.0% |
| Vanguard Scottsdale FDS(VGLT) | LONG TERM TREAS | 92206C847 | $6.5M | 116,930 | 1.0% |
| Ishares TR(AOR) | CORE 60/40 BALAN | 464289867 | $5.9M | 90,676 | 0.9% |
| Schwab Strategic TR(SCHC) | INTL SCEQT ETF | 808524888 | $4.8M | 104,719 | 0.8% |
| Ishares TR(ISCF) | INTERNATIONAL SL | 46434V266 | $4.6M | 111,594 | 0.7% |
| Vanguard Calif TAX Free FDS(VTEC) | TAX EXEMPT BD FD | 922021605 | $4.5M | 45,172 | 0.7% |
| Alphabet Inc(GOOG) | CAP STK CL C | 02079K107 | $4.3M | 13,633 | 0.7% |
| Vanguard Specialized Funds(VIG) | DIV APP ETF | 921908844 | $4.2M | 19,165 | 0.7% |
| Ishares TR(USMV) | MSCI USA MIN VOL | 46429B697 | $3.7M | 39,024 | 0.6% |
| Ishares TR(IVLU) | MSCI INTL VLU FT | 46435G409 | $3.5M | 91,695 | 0.6% |
| Ishares TR(STIP) | 0-5 YR TIPS ETF | 46429B747 | $3.4M | 33,026 | 0.5% |
| Alphabet Inc(GOOGL) | CAP STK CL A | 02079K305 | $3.2M | 10,166 | 0.5% |
| Nvidia Corporation(NVDA) | COM | 67066G104 | $2.9M | 15,684 | 0.5% |
| Ishares TR(IBTQ) | IBONDS DEC 2035 | 46438G422 | $2.7M | 104,891 | 0.4% |
| Vanguard Index FDS(VOO) | S&P 500 ETF SHS | 922908363 | $2.6M | 4,073 | 0.4% |
| Invesco Exchange Traded FD T(PRF) | RAFI US 1000 ETF | 46137V613 | $2.3M | 48,247 | 0.4% |
| Vanguard World FD(ESGV) | ESG US STK ETF | 921910733 | $2.2M | 17,974 | 0.3% |
| Microsoft Corp(MSFT) | COM | 594918104 | $2.1M | 4,369 | 0.3% |
| Vanguard BD Index FDS(BND) | TOTAL BND MRKT | 921937835 | $1.8M | 24,117 | 0.3% |
| Vanguard World FD(VSGX) | ESG INTL STK ETF | 921910725 | $1.7M | 24,304 | 0.3% |
| Spdr S&P 500 ETF TR(SPY) | TR UNIT | 78462F103 | $1.7M | 2,532 | 0.3% |
| Ishares TR(CMF) | CALIF MUN BD ETF | 464288356 | $1.7M | 29,901 | 0.3% |
| Schwab Strategic TR(SCHE) | EMRG MKTEQ ETF | 808524706 | $1.7M | 50,414 | 0.3% |
| Vanguard Index FDS(VB) | SMALL CP ETF | 922908751 | $1.6M | 6,362 | 0.3% |
| Vanguard Intl Equity Index F(VSS) | FTSE SMCAP ETF | 922042718 | $1.6M | 11,187 | 0.3% |
| Invesco Exchange Traded FD T(PRFZ) | RAFI US 1500 | 46137V597 | $1.6M | 34,426 | 0.2% |
| Ishares TR(EFAV) | MSCI EAFE MIN VL | 46429B689 | $1.6M | 18,031 | 0.2% |
| Vanguard Index FDS(VV) | LARGE CAP ETF | 922908637 | $1.4M | 4,310 | 0.2% |