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LWM

Luminvest Wealth Management Portfolio holdings

AUM $382M
1-Year Est. Return 14.3%
This Fund
S&P 500
This Quarter Est. Return
+5.54%
1 Year Est. Return
+14.3%
3 Year Est. Return
–
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$307M
AUM Growth
+$27.8M
Cap. Flow
+$12.6M
Cap. Flow %
4.1%
Top 10 Hldgs %
88.7%
Holding
46
New
5
Increased
20
Reduced
9
Closed
–

Top Buys

Rank Stock Value
1
VTEB icon
Vanguard Tax-Exempt Bond Index Fund
VTEB
+$2.96M
2
BND icon
Vanguard Total Bond Market
BND
+$2.83M
3
VXUS icon
Vanguard Total International Stock ETF
VXUS
+$2.38M
4
VTI icon
Vanguard Total Stock Market ETF
VTI
+$2.37M
5
BNDX icon
Vanguard Total International Bond ETF
BNDX
+$2.15M

Top Sells

Rank Stock Value
1
VCIT icon
Vanguard Intermediate-Term Corporate Bond ETF
VCIT
+$4.35M
2
SPY icon
State Street SPDR S&P 500 ETF Trust
SPY
+$1.2M
3
BNDW icon
Vanguard Total World Bond ETF
BNDW
+$433K
4
SCHB icon
Schwab US Broad Market ETF
SCHB
+$248K
5
GOOGL icon
Alphabet (Google) Class A
GOOGL
+$178K

Sector Composition

Rank Sector Weight
1 Technology 0.78%
2 Financials 0.32%
3 Healthcare 0.21%
4 Consumer Discretionary 0.15%
5 Communication Services 0.12%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VTI icon
1
Vanguard Total Stock Market ETF
VTI
$654B
$85.3M 27.8%
259,904
+7,506
+3% +$2.37M
VXUS icon
2
Vanguard Total International Stock ETF
VXUS
$153B
$57.1M 18.6%
776,939
+33,573
+5% +$2.38M
VEU icon
3
Vanguard FTSE All-World ex-US ETF
VEU
$65.6B
$32.9M 10.74%
461,600
+18,537
+4% +$1.28M
VTEB icon
4
Vanguard Tax-Exempt Bond Index Fund
VTEB
$45.1B
$24M 7.82%
479,108
+60,172
+14% +$2.96M
BND icon
5
Vanguard Total Bond Market
BND
$157B
$19.7M 6.41%
264,354
+38,488
+17% +$2.83M
BNDX icon
6
Vanguard Total International Bond ETF
BNDX
$82B
$19M 6.21%
385,081
+43,622
+13% +$2.15M
VCIT icon
7
Vanguard Intermediate-Term Corporate Bond ETF
VCIT
$66.1B
$10.8M 3.53%
128,921
-52,292
-29% -$4.35M
VOO icon
8
Vanguard S&P 500 ETF
VOO
$968B
$9.71M 3.16%
15,855
+1,371
+9% +$808K
VCSH icon
9
Vanguard Short-Term Corporate Bond ETF
VCSH
$44.7B
$8.23M 2.68%
100,697
+7,375
+8% +$587K
VXF icon
10
Vanguard Extended Market ETF
VXF
$30.3B
$5.33M 1.74%
25,461
+2,711
+12% +$548K
SPY icon
11
State Street SPDR S&P 500 ETF Trust
SPY
$778B
$4.15M 1.35%
6,232
-1,874
-23% -$1.2M
ITOT icon
12
iShares Core S&P Total US Stock Market ETF
ITOT
$93.2B
$3.71M 1.21%
25,486
+177
+0.7% +$24.8K
VTV icon
13
Vanguard Value ETF
VTV
$189B
$3.7M 1.2%
19,817
+412
+2% +$74.6K
VEA icon
14
Vanguard FTSE Developed Markets ETF
VEA
$226B
$2.26M 0.74%
37,744
+1,004
+3% +$58.5K
SCHB icon
15
Schwab US Broad Market ETF
SCHB
$42.8B
$1.82M 0.59%
70,978
-10,017
-12% -$248K
VYM icon
16
Vanguard High Dividend Yield ETF
VYM
$81.1B
$1.77M 0.58%
12,549
+3,344
+36% +$460K
IXUS icon
17
iShares Core MSCI Total International Stock ETF
IXUS
$57.5B
$1.49M 0.49%
18,047
+123
+0.7% +$9.78K
IWR icon
18
iShares Russell Mid-Cap ETF
IWR
$56.8B
$1.45M 0.47%
15,056
– –
VIG icon
19
Vanguard Dividend Appreciation ETF
VIG
$111B
$1.3M 0.43%
6,048
-316
-5% -$66.4K
SGOV icon
20
iShares 0-3 Month Treasury Bond ETF
SGOV
$98.6B
$1.27M 0.41%
12,626
+8,514
+207% +$856K
VTEC icon
21
Vanguard California Tax-Exempt Bond ETF
VTEC
$2.79B
$1.2M 0.39%
12,072
+168
+1% +$16.4K
VB icon
22
Vanguard Small-Cap ETF
VB
$79.5B
$932K 0.3%
3,667
+1,881
+105% +$466K
MSFT icon
23
Microsoft
MSFT
$2.84T
$819K 0.27%
1,582
-49
-3% -$25K
IJH icon
24
iShares Core S&P Mid-Cap ETF
IJH
$123B
$782K 0.25%
11,914
– –
SCHA icon
25
Schwab U.S Small- Cap ETF
SCHA
$22.5B
$719K 0.23%
25,780
+236
+0.9% +$6.31K
1
2

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DSA
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RC
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RSS
Rosenblum Silverman Sutton San Francisco, California $382M AUM 13.82% 1-Year Est. Return
STP
Science & Technology Partners New York $382M AUM 202.26% 1-Year Est. Return
MVP
Miller Value Partners Sarasota, Florida $383M AUM 38.57% 1-Year Est. Return
NFP
Narus Financial Partners Salt Lake City, Utah $382M AUM 30.09% 1-Year Est. Return
BFP
Briaud Financial Planning College Station, Texas $381M AUM 37.82% 1-Year Est. Return
ODA
One Degree Advisors San Diego, California $381M AUM 16.48% 1-Year Est. Return

Luminvest Wealth Management's Q3 2025 Portfolio in Review

As of Q3 2025, Luminvest Wealth Management held 46 positions worth $307M, up 10% from $279M the previous quarter. Its ten largest holdings account for 89% of the portfolio.

Luminvest Wealth Management deployed $12.6M of net new capital in Q3 2025, opening 5 new positions and adding to 20 existing holdings. Its largest new stake was Vanguard FTSE Europe ETF: 4,208 shares worth $336K.

By sector, the portfolio is most concentrated in Technology at 0.78% of assets, up from 0.74% a quarter earlier, followed by Financials and Healthcare.

On the sell side, the largest reduction was Vanguard Intermediate-Term Corporate Bond ETF, an estimated $4.35M trimmed.

  • Luminvest Wealth Management's largest Q3 2025 buy was Vanguard FTSE Europe ETF: 4,208 shares worth $336K.
  • Luminvest Wealth Management added most to Vanguard Tax-Exempt Bond Index Fund in Q3 2025, an estimated $2.96M increase.
  • Luminvest Wealth Management's biggest Q3 2025 reduction was Vanguard Intermediate-Term Corporate Bond ETF, cutting an estimated $4.35M.
  • Luminvest Wealth Management's ten largest holdings make up 89% of its $307M portfolio in Q3 2025.
  • Luminvest Wealth Management opened 5 new positions and closed 0 in Q3 2025.
  • Luminvest Wealth Management's portfolio value rose 10% quarter-over-quarter to $307M.

Based on Luminvest Wealth Management's 13F filing for Q3 2025, filed 4 Nov 2025.