Lutz Financial Services LLC
- SEC CIK
- 0001737112
- Latest filing
- Aug 5, 2026
Holdings in Q4 2025
Holdings as of Dec 31, 2025, filed Feb 6, 2026. Long positions only; changes compare share counts with Q3 2025.
- Positions
- 102
- +6 vs. Q3 2025
- Portfolio value
- $1.47B
- +$88.9M (+6.4%) vs. Q3 2025
| Security | Class | Shares | Value | % of portfolio | Share change | Action | History |
|---|---|---|---|---|---|---|---|
| Vanguard S&P 500 ETF922908363 | ETF | 253,536 | $159.0M | 10.8% | +6,616+2.7% | Added | – |
| State Street SPDR Portfolio S&P 500 Value ETF78464A508 | ETF | 2,387,903 | $135.7M | 9.2% | +121,475+5.4% | Added | – |
| iShares Core S&P Mid-Cap ETF464287507 | ETF | 1,578,398 | $104.2M | 7.1% | +89,867+6.0% | Added | – |
| Vanguard Total Bond Market ETF921937835 | ETF | 1,362,944 | $101.0M | 6.9% | +98,264+7.8% | Added | – |
| Vanguard Mun BD FDS922907746 | TAX EXEMPT BD | 1,486,795 | $74.8M | 5.1% | +151,071+11.3% | Added | – |
| State Street SPDR S&P 400 Mid Cap Value ETF78464A839 | ETF | 783,438 | $66.3M | 4.5% | +57,250+7.9% | Added | – |
| Vanguard Scottsdale FDS92206C409 | SHRT TRM CORP BD | 819,525 | $65.3M | 4.4% | +73,823+9.9% | Added | – |
| Schwab US Tips ETF808524870 | ETF | 2,206,735 | $58.5M | 4.0% | +216,519+10.9% | Added | – |
| iShares Tr464288588 | MBS ETF | 597,581 | $56.9M | 3.9% | +58,624+10.9% | Added | – |
| SPYSPDR S&P 500 ETF Trust | ETF | 66,871 | $45.6M | 3.1% | −2,844−4.1% | Reduced | History |
| iShares Tr464288414 | NATIONAL MUN ETF | 351,298 | $37.6M | 2.6% | +12,434+3.7% | Added | – |
| Dimensional U.S. Core Equity 2 ETF25434V708 | ETF | 896,946 | $35.5M | 2.4% | +60,481+7.2% | Added | – |
| Dimensional ETF Trust25434V799 | INTL CORE EQUITY | 791,288 | $27.3M | 1.9% | +35,952+4.8% | Added | – |
| iShares Tr464288646 | ISHS 1-5YR INVS | 486,755 | $25.7M | 1.8% | +6,407+1.3% | Added | – |
| iShares Core S&P Small Cap ETF464287804 | ETF | 191,033 | $23.0M | 1.6% | +11,119+6.2% | Added | – |
| iShares S&P 500 Value ETF464287408 | ETF | 106,970 | $22.7M | 1.5% | −2,905−2.6% | Reduced | – |
| iShares Core U.S. Aggregate Bond ETF464287226 | ETF | 219,891 | $22.0M | 1.5% | +9,007+4.3% | Added | – |
| Dimensional ETF Trust25434V831 | US HIGH PROF ETF | 562,375 | $21.4M | 1.5% | +48,026+9.3% | Added | – |
| Vanguard Short-Term Bond ETF921937827 | ETF | 268,024 | $21.1M | 1.4% | +13,512+5.3% | Added | – |
| Schwab U.S. Mid-Cap ETF808524508 | ETF | 670,307 | $20.2M | 1.4% | −4,674−0.7% | Reduced | – |
| Schwab U.S. Large-Cap ETF808524201 | ETF | 728,336 | $19.6M | 1.3% | −7,824−1.1% | Reduced | – |
| Dimensional U.S. Small Cap ETF25434V500 | ETF | 237,201 | $16.5M | 1.1% | +4,708+2.0% | Added | – |
| iShares Core S&P 500 ETF464287200 | ETF | 23,966 | $16.4M | 1.1% | +224+0.9% | Added | – |
| Vanguard Morningstar Mid-Cap Value ETF922908512 | ETF | 89,461 | $15.9M | 1.1% | +430.0% | Added | – |
| iShares S&P Mid-Cap 400 Value ETF464287705 | ETF | 120,056 | $15.8M | 1.1% | −104−0.1% | Reduced | – |
| Vanguard Morningstar Value ETF922908744 | ETF | 81,790 | $15.6M | 1.1% | −701−0.8% | Reduced | – |
| iShares MSCI USA Quality Factor ETF46432F339 | ETF | 77,301 | $15.4M | 1.0% | +4,154+5.7% | Added | – |
| Vanguard S&P 500 Value ETF921932703 | ETF | 74,136 | $15.2M | 1.0% | −641−0.9% | Reduced | – |
| iShares Tips Bond ETF464287176 | ETF | 133,199 | $14.6M | 1.0% | −715−0.5% | Reduced | – |
| State Street SPDR S&P 600 Small Cap Value ETF78464A300 | ETF | 143,431 | $13.0M | 0.9% | −948−0.7% | Reduced | – |
| American Centy ETF Tr025072703 | INTL EQT ETF | 154,322 | $12.7M | 0.9% | −1,544−1.0% | Reduced | – |
| Vanguard Admiral FDS Inc921932844 | MIDCP 400 VAL | 116,480 | $11.8M | 0.8% | −1,255−1.1% | Reduced | – |
| American Centy ETF Tr025072877 | US SML CP VALU | 114,577 | $11.7M | 0.8% | +16,099+16.3% | Added | – |
| Schwab U.S. Small-Cap ETF808524607 | ETF | 408,365 | $11.6M | 0.8% | −4,482−1.1% | Reduced | – |
| iShares Core S&P US Value ETF464287663 | ETF | 112,344 | $11.5M | 0.8% | −926−0.8% | Reduced | – |
| MDYSPDR S&P Midcap 400 ETF Trust | ETF | 18,573 | $11.2M | 0.8% | −279−1.5% | Reduced | History |
| Dimensional U.S. Targeted Value ETF25434V609 | ETF | 152,294 | $9.07M | 0.6% | +12,910+9.3% | Added | – |
| iShares Tr46429B747 | 0-5 YR TIPS ETF | 83,383 | $8.54M | 0.6% | +7,008+9.2% | Added | – |
| Dimensional ETF Trust25434V732 | EMERGING MKTS CO | 240,175 | $7.95M | 0.5% | +11,751+5.1% | Added | – |
| Dimensional ETF Trust25434V724 | US MKTWIDE VALUE | 152,015 | $7.08M | 0.5% | +24,049+18.8% | Added | – |
| iShares Tr464288158 | SHRT NAT MUN ETF | 57,779 | $6.17M | 0.4% | −7,974−12.1% | Reduced | – |
| iShares Core MSCI Emerging Markets ETF46434G103 | ETF | 89,404 | $6.01M | 0.4% | +3,637+4.2% | Added | – |
| Vanguard Morningstar Small-Cap Value ETF922908611 | ETF | 24,507 | $5.19M | 0.4% | +110.0% | Added | – |
| iShares S&P Small-Cap 600 Value ETF464287879 | ETF | 42,858 | $4.87M | 0.3% | −954−2.2% | Reduced | – |
| iShares Tr464287689 | RUSSELL 3000 ETF | 12,175 | $4.71M | 0.3% | −491−3.9% | Reduced | – |
| iShares Tr46432F859 | CORE 1 5 YR USD | 94,072 | $4.59M | 0.3% | +2,271+2.5% | Added | – |
| Vanguard Ftse Emerging Markets ETF922042858 | ETF | 79,115 | $4.25M | 0.3% | +334+0.4% | Added | – |
| PIMCO ETF Tr72201R205 | 1-5 US TIP IDX | 78,868 | $4.23M | 0.3% | −6,746−7.9% | Reduced | – |
| Vanguard Malvern FDS922020805 | STRM INFPROIDX | 85,530 | $4.23M | 0.3% | −190.0% | Reduced | – |
| iShares Tr464287622 | RUS 1000 ETF | 7,304 | $2.73M | 0.2% | +7,304 | New | – |
| BRK.BBerkshire Hathaway Inc | Stock | 4,655 | $2.34M | 0.2% | −33−0.7% | Reduced | History |
| Vanguard Mortgage-Backed Securities ETF92206C771 | ETF | 42,449 | $2.00M | 0.1% | +661+1.6% | Added | – |
| Vanguard Ftse Developed Markets ETF921943858 | ETF | 30,798 | $1.92M | 0.1% | 00.0% | Unchanged | – |
| NVDANVIDIA Corp | Stock | 10,254 | $1.91M | 0.1% | −370−3.5% | Reduced | History |
| AAPLApple Inc. | Stock | 6,044 | $1.64M | 0.1% | −1,034−14.6% | Reduced | History |
| Schwab Fundamental International Equity ETF808524755 | ETF | 33,329 | $1.51M | 0.1% | −424−1.3% | Reduced | – |
| Vanguard Real Estate ETF922908553 | ETF | 16,813 | $1.49M | 0.1% | −35−0.2% | Reduced | – |
| Dimensional ETF Trust25434V807 | INTERNATNAL VAL | 29,623 | $1.48M | 0.1% | +1,065+3.7% | Added | – |
| MSFTMicrosoft Corp | Stock | 3,017 | $1.46M | 0.1% | −103−3.3% | Reduced | History |
| Vanguard Morningstar Total Stock Market ETF922908769 | ETF | 3,513 | $1.18M | 0.1% | −22−0.6% | Reduced | – |
| Vanguard Morningstar Large-Cap ETF922908637 | ETF | 3,674 | $1.16M | 0.1% | +49+1.4% | Added | – |
| Vanguard Morningstar Mid-Cap ETF922908629 | ETF | 3,924 | $1.14M | 0.1% | −89−2.2% | Reduced | – |
| iShares Russell 2000 ETF464287655 | ETF | 4,200 | $1.03M | 0.1% | +553+15.2% | Added | – |
| Dimensional ETF Trust25434V864 | SHOR DUR FIX ETF | 21,519 | $1.03M | 0.1% | +21,519 | New | – |
| iShares Russell 1000 Value ETF464287598 | ETF | 4,171 | $877.3K | 0.1% | −29−0.7% | Reduced | – |
| AMZNAmazon Com Inc | Stock | 3,719 | $858.4K | 0.1% | +361+10.8% | Added | History |
| Vanguard Dividend Appreciation ETF921908844 | ETF | 3,760 | $826.4K | 0.1% | 00.0% | Unchanged | – |
| iShares MSCI Eafe ETF464287465 | ETF | 8,127 | $780.4K | 0.1% | +4,789+143.5% | Added | – |
| BRK.ABerkshire Hathaway Inc | CL A | 1 | $754.8K | 0.1% | 00.0% | Unchanged | History |
| GOOGLAlphabet Inc. | Stock | 2,183 | $683.3K | <0.1% | −503−18.7% | Reduced | History |
| WisdomTree Tr97717W307 | US LARGECAP DIVD | 7,456 | $656.7K | <0.1% | 00.0% | Unchanged | – |
| Vanguard Morningstar Small-Cap ETF922908751 | ETF | 2,541 | $655.5K | <0.1% | 00.0% | Unchanged | – |
| Schwab U.S. Large-Cap Growth ETF808524300 | ETF | 19,334 | $630.7K | <0.1% | −1,053−5.2% | Reduced | – |
| GOOGAlphabet Inc. | Stock | 1,831 | $574.6K | <0.1% | −406−18.1% | Reduced | History |
| METAMeta Platforms, Inc. | Stock | 838 | $553.2K | <0.1% | +18+2.2% | Added | History |
| State Street SPDR Portfolio S&P 400 Mid Cap ETF78464A847 | ETF | 9,264 | $536.5K | <0.1% | 00.0% | Unchanged | – |
| AVGOBroadcom Inc. | Stock | 1,465 | $507.0K | <0.1% | +137+10.3% | Added | History |
| DBX ETF Tr233051200 | XTRACK MSCI EAFE | 10,469 | $503.7K | <0.1% | +10,469 | New | – |
| American Centy ETF Tr025072802 | INTL SMCP VLU | 5,120 | $481.1K | <0.1% | +946+22.7% | Added | – |
| Dimensional ETF Trust25434V872 | CORE FIXE IN ETF | 11,164 | $475.1K | <0.1% | +11,164 | New | – |
| American Centy ETF Tr025072885 | US EQT ETF | 4,044 | $452.0K | <0.1% | +263+7.0% | Added | – |
| JPMJPMorgan Chase & Co | Stock | 1,374 | $442.7K | <0.1% | −160−10.4% | Reduced | History |
| iShares Tr464287630 | RUS 2000 VAL ETF | 2,440 | $442.2K | <0.1% | −8−0.3% | Reduced | – |
| Vanguard Total World Stock ETF922042742 | ETF | 2,988 | $421.5K | <0.1% | −94−3.0% | Reduced | – |
| Dimensional ETF Trust25434V815 | US SMALL CAP ETF | 12,109 | $398.3K | <0.1% | +293+2.5% | Added | – |
| iShares Russell Midcap ETF464287499 | ETF | 4,065 | $391.4K | <0.1% | 00.0% | Unchanged | – |
| Schwab International Equity ETF808524805 | ETF | 14,938 | $359.1K | <0.1% | 00.0% | Unchanged | – |
| LLYEli Lilly & Co | Stock | 325 | $349.3K | <0.1% | +26+8.7% | Added | History |
| American Centy ETF Tr025072349 | US LARGE CAP VLU | 4,523 | $342.7K | <0.1% | +4,523 | New | – |
| Invesco QQQ Trust Series I46090E103 | ETF | 551 | $338.5K | <0.1% | +12+2.2% | Added | – |
| SPDR Index Shs FDS78463X426 | MSCI EMRG MKTS | 5,015 | $331.7K | <0.1% | 00.0% | Unchanged | – |
| iShares Tr464287127 | MORNINGSTR US EQ | 3,306 | $312.0K | <0.1% | 00.0% | Unchanged | – |
| Vanguard Intermediate-Term Corporate Bond ETF92206C870 | ETF | 3,616 | $302.8K | <0.1% | −500−12.1% | Reduced | – |
| SPDR Series Trust78468R770 | ST STR R1K YLD | 2,295 | $260.6K | <0.1% | 00.0% | Unchanged | – |
| WMTWalmart Inc. | Stock | 2,204 | $245.5K | <0.1% | −242−9.9% | Reduced | History |
| Schwab U.S. Large-Cap Value ETF808524409 | ETF | 8,275 | $245.0K | <0.1% | 00.0% | Unchanged | – |
| VVisa Inc. | Stock | 660 | $231.5K | <0.1% | −90−12.0% | Reduced | History |
| SPDR Index Shs FDS78463X509 | ST PORT MARK ETF | 4,828 | $226.0K | <0.1% | +4,828 | New | – |
| Vanguard Morningstar Growth ETF922908736 | ETF | 451 | $220.2K | <0.1% | +451 | New | – |
| iShares Tr464288638 | ISHS 5-10YR INVT | 4,007 | $215.9K | <0.1% | 00.0% | Unchanged | – |
Sold out since Q3 2025 (1)
Positions held at the end of Q3 2025 that are gone from this filing.