Lutz Financial Services LLC
- SEC CIK
- 0001737112
- Latest filing
- Aug 5, 2026
Holdings in Q3 2025
Holdings as of Sep 30, 2025, filed Nov 10, 2025. Long positions only; changes compare share counts with Q2 2025.
- Positions
- 96
- −1 vs. Q2 2025
- Portfolio value
- $1.38B
- +$93.6M (+7.3%) vs. Q2 2025
| Security | Class | Shares | Value | % of portfolio | Share change | Action | History |
|---|---|---|---|---|---|---|---|
| Vanguard S&P 500 ETF922908363 | ETF | 246,920 | $151.2M | 10.9% | +3,224+1.3% | Added | – |
| State Street SPDR Portfolio S&P 500 Value ETF78464A508 | ETF | 2,266,428 | $125.4M | 9.1% | +59,654+2.7% | Added | – |
| iShares Core S&P Mid-Cap ETF464287507 | ETF | 1,488,531 | $97.1M | 7.0% | +30,630+2.1% | Added | – |
| Vanguard Total Bond Market ETF921937835 | ETF | 1,264,680 | $94.1M | 6.8% | +76,396+6.4% | Added | – |
| Vanguard Mun BD FDS922907746 | TAX EXEMPT BD | 1,335,724 | $66.9M | 4.8% | +76,494+6.1% | Added | – |
| State Street SPDR S&P 400 Mid Cap Value ETF78464A839 | ETF | 726,188 | $60.6M | 4.4% | +24,953+3.6% | Added | – |
| Vanguard Scottsdale FDS92206C409 | SHRT TRM CORP BD | 745,702 | $59.6M | 4.3% | +56,433+8.2% | Added | – |
| Schwab US Tips ETF808524870 | ETF | 1,990,216 | $53.6M | 3.9% | +139,767+7.6% | Added | – |
| iShares Tr464288588 | MBS ETF | 538,957 | $51.3M | 3.7% | +48,542+9.9% | Added | – |
| SPYSPDR S&P 500 ETF Trust | ETF | 69,715 | $46.4M | 3.4% | −988−1.4% | Reduced | History |
| iShares Tr464288414 | NATIONAL MUN ETF | 338,864 | $36.1M | 2.6% | −5,156−1.5% | Reduced | – |
| Dimensional U.S. Core Equity 2 ETF25434V708 | ETF | 836,465 | $32.3M | 2.3% | +15,572+1.9% | Added | – |
| iShares Tr464288646 | ISHS 1-5YR INVS | 480,348 | $25.5M | 1.8% | +2,919+0.6% | Added | – |
| Dimensional ETF Trust25434V799 | INTL CORE EQUITY | 755,336 | $24.8M | 1.8% | +15,564+2.1% | Added | – |
| iShares S&P 500 Value ETF464287408 | ETF | 109,875 | $22.7M | 1.6% | −783−0.7% | Reduced | – |
| iShares Core S&P Small Cap ETF464287804 | ETF | 179,914 | $21.4M | 1.5% | +1,670+0.9% | Added | – |
| iShares Core U.S. Aggregate Bond ETF464287226 | ETF | 210,884 | $21.1M | 1.5% | −4,667−2.2% | Reduced | – |
| Vanguard Short-Term Bond ETF921937827 | ETF | 254,512 | $20.1M | 1.5% | +12,020+5.0% | Added | – |
| Schwab U.S. Mid-Cap ETF808524508 | ETF | 674,981 | $20.0M | 1.4% | −13,661−2.0% | Reduced | – |
| Dimensional ETF Trust25434V831 | US HIGH PROF ETF | 514,349 | $19.4M | 1.4% | +26,656+5.5% | Added | – |
| Schwab U.S. Large-Cap ETF808524201 | ETF | 736,160 | $19.4M | 1.4% | −1,377−0.2% | Reduced | – |
| Dimensional U.S. Small Cap ETF25434V500 | ETF | 232,493 | $15.9M | 1.2% | −2,607−1.1% | Reduced | – |
| iShares Core S&P 500 ETF464287200 | ETF | 23,742 | $15.9M | 1.2% | −226−0.9% | Reduced | – |
| Vanguard Morningstar Mid-Cap Value ETF922908512 | ETF | 89,418 | $15.6M | 1.1% | −1,220−1.3% | Reduced | – |
| iShares S&P Mid-Cap 400 Value ETF464287705 | ETF | 120,160 | $15.6M | 1.1% | −409−0.3% | Reduced | – |
| Vanguard Morningstar Value ETF922908744 | ETF | 82,491 | $15.4M | 1.1% | +257+0.3% | Added | – |
| Vanguard S&P 500 Value ETF921932703 | ETF | 74,777 | $14.9M | 1.1% | −673−0.9% | Reduced | – |
| iShares Tips Bond ETF464287176 | ETF | 133,914 | $14.9M | 1.1% | −929−0.7% | Reduced | – |
| iShares MSCI USA Quality Factor ETF46432F339 | ETF | 73,147 | $14.2M | 1.0% | −749−1.0% | Reduced | – |
| State Street SPDR S&P 600 Small Cap Value ETF78464A300 | ETF | 144,379 | $12.8M | 0.9% | −3,123−2.1% | Reduced | – |
| American Centy ETF Tr025072703 | INTL EQT ETF | 155,866 | $12.3M | 0.9% | −2,347−1.5% | Reduced | – |
| Vanguard Admiral FDS Inc921932844 | MIDCP 400 VAL | 117,735 | $11.9M | 0.9% | −1,645−1.4% | Reduced | – |
| Schwab U.S. Small-Cap ETF808524607 | ETF | 412,847 | $11.5M | 0.8% | −3,334−0.8% | Reduced | – |
| iShares Core S&P US Value ETF464287663 | ETF | 113,270 | $11.3M | 0.8% | −149−0.1% | Reduced | – |
| MDYSPDR S&P Midcap 400 ETF Trust | ETF | 18,852 | $11.2M | 0.8% | −255−1.3% | Reduced | History |
| American Centy ETF Tr025072877 | US SML CP VALU | 98,478 | $9.80M | 0.7% | +5,590+6.0% | Added | – |
| Dimensional U.S. Targeted Value ETF25434V609 | ETF | 139,384 | $8.11M | 0.6% | −2,224−1.6% | Reduced | – |
| iShares Tr46429B747 | 0-5 YR TIPS ETF | 76,375 | $7.89M | 0.6% | +6,583+9.4% | Added | – |
| Dimensional ETF Trust25434V732 | EMERGING MKTS CO | 228,424 | $7.33M | 0.5% | +7,456+3.4% | Added | – |
| iShares Tr464288158 | SHRT NAT MUN ETF | 65,753 | $7.02M | 0.5% | −120.0% | Reduced | – |
| Dimensional ETF Trust25434V724 | US MKTWIDE VALUE | 127,966 | $5.72M | 0.4% | −2,722−2.1% | Reduced | – |
| iShares Core MSCI Emerging Markets ETF46434G103 | ETF | 85,767 | $5.65M | 0.4% | −1,214−1.4% | Reduced | – |
| Vanguard Morningstar Small-Cap Value ETF922908611 | ETF | 24,496 | $5.11M | 0.4% | −177−0.7% | Reduced | – |
| iShares S&P Small-Cap 600 Value ETF464287879 | ETF | 43,812 | $4.85M | 0.4% | −102−0.2% | Reduced | – |
| iShares Tr464287689 | RUSSELL 3000 ETF | 12,666 | $4.80M | 0.3% | −579−4.4% | Reduced | – |
| PIMCO ETF Tr72201R205 | 1-5 US TIP IDX | 85,614 | $4.64M | 0.3% | 00.0% | Unchanged | – |
| iShares Tr46432F859 | CORE 1 5 YR USD | 91,801 | $4.48M | 0.3% | +1,249+1.4% | Added | – |
| Vanguard Malvern FDS922020805 | STRM INFPROIDX | 85,549 | $4.33M | 0.3% | −389−0.5% | Reduced | – |
| Vanguard Ftse Emerging Markets ETF922042858 | ETF | 78,781 | $4.27M | 0.3% | −1,266−1.6% | Reduced | – |
| BRK.BBerkshire Hathaway Inc | Stock | 4,688 | $2.36M | 0.2% | +227+5.1% | Added | History |
| NVDANVIDIA Corp | Stock | 10,624 | $1.98M | 0.1% | −46−0.4% | Reduced | History |
| Vanguard Mortgage-Backed Securities ETF92206C771 | ETF | 41,788 | $1.96M | 0.1% | +912+2.2% | Added | – |
| Vanguard Ftse Developed Markets ETF921943858 | ETF | 30,798 | $1.85M | 0.1% | −827−2.6% | Reduced | – |
| AAPLApple Inc. | Stock | 7,078 | $1.80M | 0.1% | +426+6.4% | Added | History |
| MSFTMicrosoft Corp | Stock | 3,120 | $1.62M | 0.1% | −45−1.4% | Reduced | History |
| Vanguard Real Estate ETF922908553 | ETF | 16,848 | $1.54M | 0.1% | −9−0.1% | Reduced | – |
| Schwab Fundamental International Equity ETF808524755 | ETF | 33,753 | $1.45M | 0.1% | 00.0% | Unchanged | – |
| Dimensional ETF Trust25434V807 | INTERNATNAL VAL | 28,558 | $1.32M | 0.1% | 00.0% | Unchanged | – |
| Vanguard Morningstar Mid-Cap ETF922908629 | ETF | 4,013 | $1.18M | 0.1% | +9+0.2% | Added | – |
| Vanguard Morningstar Total Stock Market ETF922908769 | ETF | 3,535 | $1.16M | 0.1% | 00.0% | Unchanged | – |
| Vanguard Morningstar Large-Cap ETF922908637 | ETF | 3,625 | $1.12M | 0.1% | +11+0.3% | Added | – |
| iShares Russell 2000 ETF464287655 | ETF | 3,647 | $882.5K | 0.1% | 00.0% | Unchanged | – |
| iShares Russell 1000 Value ETF464287598 | ETF | 4,200 | $855.1K | 0.1% | +542+14.8% | Added | – |
| Vanguard Dividend Appreciation ETF921908844 | ETF | 3,760 | $811.4K | 0.1% | 00.0% | Unchanged | – |
| BRK.ABerkshire Hathaway Inc | CL A | 1 | $754.2K | 0.1% | 00.0% | Unchanged | History |
| AMZNAmazon Com Inc | Stock | 3,358 | $737.3K | 0.1% | −3−0.1% | Reduced | History |
| GOOGLAlphabet Inc. | Stock | 2,686 | $653.0K | <0.1% | +78+3.0% | Added | History |
| Schwab U.S. Large-Cap Growth ETF808524300 | ETF | 20,387 | $650.5K | <0.1% | +1,053+5.4% | Added | – |
| WisdomTree Tr97717W307 | US LARGECAP DIVD | 7,456 | $648.9K | <0.1% | 00.0% | Unchanged | – |
| Vanguard Morningstar Small-Cap ETF922908751 | ETF | 2,541 | $646.2K | <0.1% | +4+0.2% | Added | – |
| METAMeta Platforms, Inc. | Stock | 820 | $602.2K | <0.1% | +30+3.8% | Added | History |
| GOOGAlphabet Inc. | Stock | 2,237 | $544.8K | <0.1% | +75+3.5% | Added | History |
| State Street SPDR Portfolio S&P 400 Mid Cap ETF78464A847 | ETF | 9,264 | $529.8K | <0.1% | 00.0% | Unchanged | – |
| JPMJPMorgan Chase & Co | Stock | 1,534 | $483.9K | <0.1% | −9−0.6% | Reduced | History |
| AVGOBroadcom Inc. | Stock | 1,328 | $438.1K | <0.1% | +163+14.0% | Added | History |
| iShares Tr464287630 | RUS 2000 VAL ETF | 2,448 | $432.8K | <0.1% | −239−8.9% | Reduced | – |
| Vanguard Total World Stock ETF922042742 | ETF | 3,082 | $424.7K | <0.1% | −84−2.7% | Reduced | – |
| American Centy ETF Tr025072885 | US EQT ETF | 3,781 | $411.0K | <0.1% | −23−0.6% | Reduced | – |
| iShares Russell Midcap ETF464287499 | ETF | 4,065 | $392.5K | <0.1% | −3−0.1% | Reduced | – |
| Dimensional ETF Trust25434V815 | US SMALL CAP ETF | 11,816 | $376.2K | <0.1% | −20.0% | Reduced | – |
| American Centy ETF Tr025072802 | INTL SMCP VLU | 4,174 | $371.6K | <0.1% | 00.0% | Unchanged | – |
| Schwab International Equity ETF808524805 | ETF | 14,938 | $347.8K | <0.1% | 00.0% | Unchanged | – |
| Vanguard Intermediate-Term Corporate Bond ETF92206C870 | ETF | 4,116 | $346.2K | <0.1% | −11−0.3% | Reduced | – |
| SPDR Index Shs FDS78463X426 | MSCI EMRG MKTS | 5,015 | $332.4K | <0.1% | 00.0% | Unchanged | – |
| Invesco QQQ Trust Series I46090E103 | ETF | 539 | $323.6K | <0.1% | 00.0% | Unchanged | – |
| iShares MSCI Eafe ETF464287465 | ETF | 3,338 | $311.7K | <0.1% | 00.0% | Unchanged | – |
| iShares Tr464287127 | MORNINGSTR US EQ | 3,306 | $305.6K | <0.1% | −50−1.5% | Reduced | – |
| SPDR Series Trust78468R770 | ST STR R1K YLD | 2,295 | $259.7K | <0.1% | 00.0% | Unchanged | – |
| VVisa Inc. | Stock | 750 | $256.0K | <0.1% | −4−0.5% | Reduced | History |
| WMTWalmart Inc. | Stock | 2,446 | $252.1K | <0.1% | −30−1.2% | Reduced | History |
| Schwab U.S. Large-Cap Value ETF808524409 | ETF | 8,275 | $240.9K | <0.1% | 00.0% | Unchanged | – |
| ORCLOracle Corp | Stock | 855 | $240.5K | <0.1% | +855 | New | History |
| LLYEli Lilly & Co | Stock | 299 | $228.1K | <0.1% | −23−7.1% | Reduced | History |
| MAMastercard Inc | Stock | 397 | $225.8K | <0.1% | −7−1.7% | Reduced | History |
| iShares Tr464288638 | ISHS 5-10YR INVT | 4,007 | $216.8K | <0.1% | 00.0% | Unchanged | – |
| American Centy ETF Tr025072604 | AVANTIS EMGMKT | 2,749 | $206.5K | <0.1% | +2,749 | New | – |
Sold out since Q2 2025 (3)
Positions held at the end of Q2 2025 that are gone from this filing.
| Security | Class | Shares in Q2 2025 | Value in Q2 2025 | % of portfolio in Q2 2025 | History |
|---|---|---|---|---|---|
| iShares Tr464288877 | EAFE VALUE ETF | 3,654 | $232.0K | <0.1% | – |
| State Street SPDR Portfolio Aggregate Bond ETF78464A649 | ETF | 8,611 | $220.5K | <0.1% | – |
| IBMInternational Business Machines Corp | Stock | 714 | $210.5K | <0.1% | History |