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CFP

Cypress Financial Planning Portfolio holdings

AUM $413M
1-Year Est. Return 13.08%
This Fund
S&P 500
This Quarter Est. Return
+1.26%
1 Year Est. Return
+13.08%
3 Year Est. Return
+37.91%
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$362M
AUM Growth
+$34.2M
Cap. Flow
+$26.7M
Cap. Flow %
7.36%
Top 10 Hldgs %
69.9%
Holding
108
New
18
Increased
43
Reduced
35
Closed
2

Top Buys

Rank Stock Value
1
VGIT icon
Vanguard Intermediate-Term Treasury ETF
VGIT
+$7.09M
2
VCSH icon
Vanguard Short-Term Corporate Bond ETF
VCSH
+$6.84M
3
DGRO icon
iShares Core Dividend Growth ETF
DGRO
+$3.4M
4
SCHG icon
Schwab US Large-Cap Growth ETF
SCHG
+$3.25M
5
SCHV
Schwab US Large-Cap Value ETF
SCHV
+$3.21M

Top Sells

Rank Stock Value
1
XLF icon
State Street Financial Select Sector SPDR ETF
XLF
+$8.21M
2
VNQ icon
Vanguard Real Estate ETF
VNQ
+$6.12M
3
PDEC icon
Innovator US Equity Power Buffer ETF December
PDEC
+$285K
4
VZ icon
Verizon
VZ
+$265K
5
IYR icon
iShares US Real Estate ETF
IYR
+$246K

Sector Composition

Rank Sector Weight
1 Financials 4.32%
2 Technology 1.6%
3 Industrials 0.71%
4 Consumer Discretionary 0.65%
5 Communication Services 0.52%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
AMZN icon
26
Amazon
AMZN
$3.07T
$1.59M 0.44%
6,847
+21
+0.3% +$4.8K
SJNK icon
27
State Street SPDR Bloomberg Short Term High Yield Bond ETF
SJNK
$4.74B
$1.59M 0.44%
62,616
+5,162
+9% +$131K
IEF icon
28
iShares 7-10 Year Treasury Bond ETF
IEF
$47.1B
$1.5M 0.41%
15,533
-194
-1% -$18.8K
DFCF icon
29
Dimensional Core Fixed Income ETF
DFCF
$10.9B
$1.35M 0.37%
+31,758
New +$1.36M
MUB icon
30
iShares National Muni Bond ETF
MUB
$45.2B
$1.31M 0.36%
12,221
+3,587
+42% +$384K
DFSD
31
Dimensional Short-Duration Fixed Income ETF
DFSD
$7.13B
$1.3M 0.36%
+27,163
New +$1.31M
DGCB icon
32
Dimensional Global Credit ETF
DGCB
$1.08B
$1.29M 0.36%
+23,814
New +$1.31M
VGK icon
33
Vanguard FTSE Europe ETF
VGK
$30.8B
$1.08M 0.3%
12,898
– –
LQD icon
34
iShares iBoxx $ Investment Grade Corporate Bond ETF
LQD
$32.8B
$999K 0.28%
9,026
+853
+10% +$94.8K
DECP
35
PGIM US Large-Cap Buffer 12 ETF - December
DECP
$28.9M
$969K 0.27%
+31,671
New +$947K
PSEP icon
36
Innovator US Equity Power Buffer ETF September
PSEP
$845M
$961K 0.27%
21,931
-898
-4% -$38.8K
SHM icon
37
State Street SPDR Nuveen ICE Short Term Municipal Bond ETF
SHM
$3.46B
$940K 0.26%
19,595
+201
+1% +$9.65K
NFLX icon
38
Netflix
NFLX
$304B
$913K 0.25%
9,731
-489
-5% -$52.7K
EFA icon
39
iShares MSCI EAFE ETF
EFA
$78.2B
$880K 0.24%
9,128
-82
-0.9% -$7.78K
DISV icon
40
Dimensional International Small Cap Value ETF
DISV
$4.98B
$866K 0.24%
+22,798
New +$827K
IWF icon
41
iShares Russell 1000 Growth ETF
IWF
$123B
$848K 0.23%
7,108
– –
DFAS icon
42
Dimensional US Small Cap ETF
DFAS
$15.5B
$836K 0.23%
+12,006
New +$828K
VTI icon
43
Vanguard Morningstar Total Stock Market ETF
VTI
$668B
$786K 0.22%
2,327
-57
-2% -$19K
SPY icon
44
PUT
State Street SPDR S&P 500 ETF Trust
SPY
$804B
– –
0
– –
JPM icon
45
JPMorgan Chase
JPM
$937B
$745K 0.21%
2,305
+856
+59% +$265K
TFI icon
46
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
$3.12B
$744K 0.21%
16,279
-2,557
-14% -$117K
SCHX icon
47
Schwab US Large- Cap ETF
SCHX
$72.7B
$736K 0.2%
27,140
-3,292
-11% -$87.9K
VTV icon
48
Vanguard Morningstar Value ETF
VTV
$188B
$704K 0.19%
3,677
+2,483
+208% +$467K
V icon
49
Visa
V
$684B
$690K 0.19%
+1,966
New +$670K
MSFT icon
50
Microsoft
MSFT
$3.6T
$685K 0.19%
1,404
+13
+0.9% +$6.51K
1
2
3 4 5

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VCP
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OWA
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TCCM
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SWC
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SP
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MIA
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Cypress Financial Planning's Q4 2025 Portfolio in Review

As of Q4 2025, Cypress Financial Planning held 108 positions worth $362M, up 10% from $328M the previous quarter. Its ten largest holdings account for 70% of the portfolio.

Cypress Financial Planning deployed $26.7M of net new capital in Q4 2025, opening 18 new positions and adding to 43 existing holdings. Its largest new stake was Schwab US Large-Cap Growth ETF: 99,854 shares worth $3.26M.

By sector, the portfolio is most concentrated in Financials at 4.3% of assets, up from 4% a quarter earlier, followed by Technology and Industrials.

On the sell side, the largest reduction was State Street Financial Select Sector SPDR ETF, an estimated $8.21M trimmed.

  • Cypress Financial Planning's largest Q4 2025 buy was Schwab US Large-Cap Growth ETF: 99,854 shares worth $3.26M.
  • Cypress Financial Planning added most to Vanguard Intermediate-Term Treasury ETF in Q4 2025, an estimated $7.09M increase.
  • Cypress Financial Planning's biggest Q4 2025 reduction was State Street Financial Select Sector SPDR ETF, cutting an estimated $8.21M.
  • Cypress Financial Planning fully exited Verizon in Q4 2025, selling an estimated $265K.
  • Cypress Financial Planning's ten largest holdings make up 70% of its $362M portfolio in Q4 2025.
  • Cypress Financial Planning opened 18 new positions and closed 2 in Q4 2025.
  • Cypress Financial Planning's portfolio value rose 10% quarter-over-quarter to $362M.

Based on Cypress Financial Planning's 13F filing for Q4 2025, filed 14 Jan 2026.