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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
GOOG icon
51
Alphabet (Google) Class C
GOOG
$4.59T
$683K 0.19%
2,170
+14
+0.6% +$4.01K
HYD icon
52
VanEck High Yield Muni ETF
HYD
$4.44B
$655K 0.18%
12,811
-1,825
-12% -$93K
VTEB icon
53
Vanguard Tax-Exempt Bond Index Fund
VTEB
$45.2B
$632K 0.17%
+12,569
New +$632K
SPDW icon
54
State Street SPDR Portfolio Developed World ex-US ETF
SPDW
$41.2B
$623K 0.17%
13,995
+4,948
+55% +$216K
JCI icon
55
Johnson Controls International
JCI
$93.1B
$621K 0.17%
5,134
+4
+0.1% +$459
SPIB icon
56
State Street SPDR Portfolio Intermediate Term Corporate Bond ETF
SPIB
$11.5B
$610K 0.17%
18,018
+8,111
+82% +$275K
NVDA icon
57
NVIDIA
NVDA
$5.13T
$603K 0.17%
3,214
-726
-18% -$135K
DUSB icon
58
Dimensional Ultrashort Fixed Income ETF
DUSB
$2.23B
$597K 0.16%
11,778
+5,046
+75% +$256K
SPYM
59
State Street SPDR Portfolio S&P 500 ETF
SPYM
$167B
$579K 0.16%
7,167
-194
-3% -$15.4K
IJS icon
60
iShares S&P Small-Cap 600 Value ETF
IJS
$8.41B
$548K 0.15%
4,772
+1
+0% +$112
PJUL icon
61
Innovator US Equity Power Buffer ETF July
PJUL
$1.27B
$503K 0.14%
10,793
-955
-8% -$43.8K
VOO icon
62
Vanguard S&P 500 ETF
VOO
$1.01T
$499K 0.14%
789
-61
-7% -$37.9K
IWM icon
63
iShares Russell 2000 ETF
IWM
$83B
$496K 0.14%
1,999
-18
-0.9% -$4.42K
VB icon
64
Vanguard Morningstar Small-Cap ETF
VB
$82.3B
$476K 0.13%
1,832
+314
+21% +$80.4K
USEW
65
Cambria US EW ETF
USEW
$194M
$461K 0.13%
+9,073
New +$464K
IDEC icon
66
Innovator International Developed Power Buffer ETF December
IDEC
$43M
$460K 0.13%
14,219
+2,048
+17% +$64.8K
MCD icon
67
McDonald's
MCD
$191B
$433K 0.12%
+1,417
New +$434K
ISEP icon
68
Innovator International Developed Power Buffer ETF September
ISEP
$66.2M
$430K 0.12%
13,179
-220
-2% -$7.05K
PAUG icon
69
Innovator US Equity Power Buffer ETF August
PAUG
$865M
$424K 0.12%
9,778
-5,071
-34% -$217K
PFEB icon
70
Innovator US Equity Power Buffer ETF February
PFEB
$926M
$417K 0.12%
10,224
-899
-8% -$36K
PNOV icon
71
Innovator US Equity Power Buffer ETF November
PNOV
$894M
$415K 0.11%
9,878
+568
+6% +$23.5K
IOCT icon
72
Innovator International Developed Power Buffer ETF October
IOCT
$169M
$404K 0.11%
11,538
-71
-0.6% -$2.44K
QCOM icon
73
Qualcomm
QCOM
$171B
$380K 0.1%
2,189
+4
+0.2% +$686
HEFA icon
74
iShares Currency Hedged MSCI EAFE ETF
HEFA
$7.64B
$374K 0.1%
8,995
-34
-0.4% -$1.39K
PEP icon
75
PepsiCo
PEP
$190B
$373K 0.1%
+2,599
New +$382K
1 2
3
4 5

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VCP
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TCCM
Timber Creek Capital Management Boston, Massachusetts $412M AUM 26.12% 1-Year Est. Return
SWC
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SP
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MIA
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CSUI
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HIF
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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.