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LFS

Lutz Financial Services Portfolio holdings

AUM $1.49B
1-Year Est. Return 10.4%
This Fund
S&P 500
This Quarter Est. Return
+4.82%
1 Year Est. Return
+10.4%
3 Year Est. Return
+28.73%
5 Year Est. Return
+26.36%
10 Year Est. Return
–
AUM
$1.38B
AUM Growth
+$93.6M
Cap. Flow
+$31.6M
Cap. Flow %
2.29%
Top 10 Hldgs %
58.36%
Holding
99
New
2
Increased
32
Reduced
45
Closed
3

Top Buys

Rank Stock Value
1
BND icon
Vanguard Total Bond Market
BND
+$5.63M
2
MBB icon
iShares MBS ETF
MBB
+$4.56M
3
VCSH icon
Vanguard Short-Term Corporate Bond ETF
VCSH
+$4.49M
4
VTEB icon
Vanguard Tax-Exempt Bond Index Fund
VTEB
+$3.76M
5
SCHP icon
Schwab US TIPS ETF
SCHP
+$3.74M

Top Sells

Rank Stock Value
1
SPY icon
State Street SPDR S&P 500 ETF Trust
SPY
+$633K
2
MUB icon
iShares National Muni Bond ETF
MUB
+$540K
3
AGG icon
iShares Core US Aggregate Bond ETF
AGG
+$463K
4
SCHM icon
Schwab US Mid-Cap ETF
SCHM
+$398K
5
SLYV icon
State Street SPDR S&P 600 Small Cap Value ETF
SLYV
+$266K

Sector Composition

Rank Sector Weight
1 Technology 0.44%
2 Financials 0.3%
3 Communication Services 0.13%
4 Consumer Discretionary 0.05%
5 Consumer Staples 0.02%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VTV icon
26
Vanguard Morningstar Value ETF
VTV
$188B
$15.4M 1.11%
82,491
+257
+0.3% +$46.5K
VOOV icon
27
Vanguard S&P 500 Value ETF
VOOV
$6.61B
$14.9M 1.08%
74,777
-673
-0.9% -$131K
TIP icon
28
iShares TIPS Bond ETF
TIP
$14.5B
$14.9M 1.08%
133,914
-929
-0.7% -$103K
QUAL icon
29
iShares MSCI USA Quality Factor ETF
QUAL
$46.3B
$14.2M 1.03%
73,147
-749
-1% -$141K
SLYV icon
30
State Street SPDR S&P 600 Small Cap Value ETF
SLYV
$4.89B
$12.8M 0.93%
144,379
-3,123
-2% -$266K
AVDE icon
31
Avantis International Equity ETF
AVDE
$18.2B
$12.3M 0.89%
155,866
-2,347
-1% -$179K
IVOV icon
32
Vanguard S&P Mid-Cap 400 Value ETF
IVOV
$1.34B
$11.9M 0.86%
117,735
-1,645
-1% -$163K
SCHA icon
33
Schwab U.S Small- Cap ETF
SCHA
$22.3B
$11.5M 0.83%
412,847
-3,334
-0.8% -$89.2K
IUSV icon
34
iShares Core S&P US Value ETF
IUSV
$27.2B
$11.3M 0.82%
113,270
-149
-0.1% -$14.5K
MDY icon
35
State Street SPDR S&P MIDCAP 400 ETF Trust
MDY
$26.6B
$11.2M 0.81%
18,852
-255
-1% -$150K
AVUV icon
36
Avantis US Small Cap Value ETF
AVUV
$30.3B
$9.8M 0.71%
98,478
+5,590
+6% +$541K
DFAT icon
37
Dimensional US Targeted Value ETF
DFAT
$14.7B
$8.11M 0.59%
139,384
-2,224
-2% -$127K
STIP icon
38
iShares 0-5 Year TIPS Bond ETF
STIP
$15.9B
$7.89M 0.57%
76,375
+6,583
+9% +$679K
DFEM icon
39
Dimensional Emerging Markets Core Equity 2 ETF
DFEM
$8.77B
$7.33M 0.53%
228,424
+7,456
+3% +$230K
SUB icon
40
iShares Short-Term National Muni Bond ETF
SUB
$11.4B
$7.02M 0.51%
65,753
-12
-0% -$1.28K
DFUV icon
41
Dimensional US Marketwide Value ETF
DFUV
$15.4B
$5.72M 0.41%
127,966
-2,722
-2% -$119K
IEMG icon
42
iShares Core MSCI Emerging Markets ETF
IEMG
$149B
$5.65M 0.41%
85,767
-1,214
-1% -$75.7K
VBR icon
43
Vanguard Morningstar Small-Cap Value ETF
VBR
$37.2B
$5.11M 0.37%
24,496
-177
-0.7% -$36.2K
IJS icon
44
iShares S&P Small-Cap 600 Value ETF
IJS
$8.12B
$4.85M 0.35%
43,812
-102
-0.2% -$10.8K
IWV icon
45
iShares Russell 3000 ETF
IWV
$19.5B
$4.8M 0.35%
12,666
-579
-4% -$211K
STPZ icon
46
PIMCO 1-5 Year US TIPS Index Exchange-Traded Fund
STPZ
$506M
$4.64M 0.34%
85,614
– –
ISTB icon
47
iShares Core 1-5 Year USD Bond ETF
ISTB
$5.11B
$4.48M 0.32%
91,801
+1,249
+1% +$60.8K
VTIP icon
48
Vanguard Short-Term Inflation-Protected Securities Index Fund
VTIP
$19.1B
$4.33M 0.31%
85,549
-389
-0.5% -$19.6K
VWO icon
49
Vanguard FTSE Emerging Markets ETF
VWO
$119B
$4.27M 0.31%
78,781
-1,266
-2% -$65.2K
BRK.B icon
50
Berkshire Hathaway Class B
BRK.B
$1.1T
$2.36M 0.17%
4,688
+227
+5% +$110K
1
2
3 4

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OA
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AIA
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NAM
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RIM
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Lutz Financial Services's Q3 2025 Portfolio in Review

As of Q3 2025, Lutz Financial Services held 99 positions worth $1.38B, up 7.3% from $1.29B the previous quarter. Its ten largest holdings account for 58% of the portfolio.

Lutz Financial Services's Q3 2025 filing shows 2 new, 32 increased, 45 reduced and 3 closed positions. Its largest new stake was Oracle: 855 shares worth $240K. The largest sale was State Street SPDR S&P 500 ETF Trust, an estimated $633K.

By sector, the portfolio is most concentrated in Technology at 0.44% of assets, up from 0.4% a quarter earlier, followed by Financials and Communication Services.

  • Lutz Financial Services's largest Q3 2025 buy was Oracle: 855 shares worth $240K.
  • Lutz Financial Services added most to Vanguard Total Bond Market in Q3 2025, an estimated $5.63M increase.
  • Lutz Financial Services's biggest Q3 2025 reduction was State Street SPDR S&P 500 ETF Trust, cutting an estimated $633K.
  • Lutz Financial Services fully exited iShares MSCI EAFE Value ETF in Q3 2025, selling an estimated $232K.
  • Lutz Financial Services's ten largest holdings make up 58% of its $1.38B portfolio in Q3 2025.
  • Lutz Financial Services opened 2 new positions and closed 3 in Q3 2025.
  • Lutz Financial Services's portfolio value rose 7.3% quarter-over-quarter to $1.38B.

Based on Lutz Financial Services's 13F filing for Q3 2025, filed 10 Nov 2025.