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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
+1.34%
1 Year Est. Return
+10.4%
3 Year Est. Return
+28.73%
5 Year Est. Return
+26.36%
10 Year Est. Return
–
AUM
$1.47B
AUM Growth
+$88.9M
Cap. Flow
+$70.2M
Cap. Flow %
4.78%
Top 10 Hldgs %
58.98%
Holding
103
New
7
Increased
44
Reduced
38
Closed
1

Top Buys

Rank Stock Value
1
VTEB icon
Vanguard Tax-Exempt Bond Index Fund
VTEB
+$7.6M
2
BND icon
Vanguard Total Bond Market
BND
+$7.31M
3
SPYV icon
State Street SPDR Portfolio S&P 500 Value ETF
SPYV
+$6.82M
4
VCSH icon
Vanguard Short-Term Corporate Bond ETF
VCSH
+$5.89M
5
IJH icon
iShares Core S&P Mid-Cap ETF
IJH
+$5.89M

Top Sells

Rank Stock Value
1
SPY icon
State Street SPDR S&P 500 ETF Trust
SPY
+$1.92M
2
SUB icon
iShares Short-Term National Muni Bond ETF
SUB
+$850K
3
IVE icon
iShares S&P 500 Value ETF
IVE
+$609K
4
STPZ icon
PIMCO 1-5 Year US TIPS Index Exchange-Traded Fund
STPZ
+$364K
5
AAPL icon
Apple
AAPL
+$278K

Sector Composition

Rank Sector Weight
1 Technology 0.38%
2 Financials 0.27%
3 Communication Services 0.12%
4 Consumer Discretionary 0.06%
5 Healthcare 0.02%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VTV icon
26
Vanguard Morningstar Value ETF
VTV
$188B
$15.6M 1.06%
81,790
-701
-0.8% -$132K
QUAL icon
27
iShares MSCI USA Quality Factor ETF
QUAL
$46.3B
$15.4M 1.04%
77,301
+4,154
+6% +$816K
VOOV icon
28
Vanguard S&P 500 Value ETF
VOOV
$6.61B
$15.2M 1.03%
74,136
-641
-0.9% -$130K
TIP icon
29
iShares TIPS Bond ETF
TIP
$14.5B
$14.6M 1%
133,199
-715
-0.5% -$79.3K
SLYV icon
30
State Street SPDR S&P 600 Small Cap Value ETF
SLYV
$4.89B
$13M 0.89%
143,431
-948
-0.7% -$85.2K
AVDE icon
31
Avantis International Equity ETF
AVDE
$18.2B
$12.7M 0.86%
154,322
-1,544
-1% -$124K
IVOV icon
32
Vanguard S&P Mid-Cap 400 Value ETF
IVOV
$1.34B
$11.8M 0.8%
116,480
-1,255
-1% -$127K
AVUV icon
33
Avantis US Small Cap Value ETF
AVUV
$30.3B
$11.7M 0.79%
114,577
+16,099
+16% +$1.61M
SCHA icon
34
Schwab U.S Small- Cap ETF
SCHA
$22.3B
$11.6M 0.79%
408,365
-4,482
-1% -$127K
IUSV icon
35
iShares Core S&P US Value ETF
IUSV
$27.2B
$11.5M 0.78%
112,344
-926
-0.8% -$93.9K
MDY icon
36
State Street SPDR S&P MIDCAP 400 ETF Trust
MDY
$26.6B
$11.2M 0.76%
18,573
-279
-1% -$167K
DFAT icon
37
Dimensional US Targeted Value ETF
DFAT
$14.7B
$9.07M 0.62%
152,294
+12,910
+9% +$753K
STIP icon
38
iShares 0-5 Year TIPS Bond ETF
STIP
$15.9B
$8.54M 0.58%
83,383
+7,008
+9% +$721K
DFEM icon
39
Dimensional Emerging Markets Core Equity 2 ETF
DFEM
$8.77B
$7.95M 0.54%
240,175
+11,751
+5% +$384K
DFUV icon
40
Dimensional US Marketwide Value ETF
DFUV
$15.4B
$7.08M 0.48%
152,015
+24,049
+19% +$1.09M
SUB icon
41
iShares Short-Term National Muni Bond ETF
SUB
$11.4B
$6.17M 0.42%
57,779
-7,974
-12% -$850K
IEMG icon
42
iShares Core MSCI Emerging Markets ETF
IEMG
$149B
$6.01M 0.41%
89,404
+3,637
+4% +$244K
VBR icon
43
Vanguard Morningstar Small-Cap Value ETF
VBR
$37.2B
$5.19M 0.35%
24,507
+11
+0% +$2.3K
IJS icon
44
iShares S&P Small-Cap 600 Value ETF
IJS
$8.12B
$4.87M 0.33%
42,858
-954
-2% -$107K
IWV icon
45
iShares Russell 3000 ETF
IWV
$19.5B
$4.71M 0.32%
12,175
-491
-4% -$188K
ISTB icon
46
iShares Core 1-5 Year USD Bond ETF
ISTB
$5.11B
$4.59M 0.31%
94,072
+2,271
+2% +$111K
VWO icon
47
Vanguard FTSE Emerging Markets ETF
VWO
$119B
$4.25M 0.29%
79,115
+334
+0.4% +$18.1K
STPZ icon
48
PIMCO 1-5 Year US TIPS Index Exchange-Traded Fund
STPZ
$506M
$4.23M 0.29%
78,868
-6,746
-8% -$364K
VTIP icon
49
Vanguard Short-Term Inflation-Protected Securities Index Fund
VTIP
$19.1B
$4.23M 0.29%
85,530
-19
-0% -$950
IWB icon
50
iShares Russell 1000 ETF
IWB
$47.9B
$2.73M 0.19%
+7,304
New +$2.71M
1
2
3 4 5

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FAT
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OA
Oak Associates Akron, Ohio $1.49B AUM 34.25% 1-Year Est. Return
AIA
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NAM
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RIM
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SB
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MCM
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Lutz Financial Services's Q4 2025 Portfolio in Review

As of Q4 2025, Lutz Financial Services held 103 positions worth $1.47B, up 6.4% from $1.38B the previous quarter. Its ten largest holdings account for 59% of the portfolio.

Lutz Financial Services deployed $70.2M of net new capital in Q4 2025, opening 7 new positions and adding to 44 existing holdings. Its largest new stake was iShares Russell 1000 ETF: 7,304 shares worth $2.73M.

By sector, the portfolio is most concentrated in Technology at 0.38% of assets, down from 0.44% a quarter earlier, followed by Financials and Communication Services.

On the sell side, the largest reduction was State Street SPDR S&P 500 ETF Trust, an estimated $1.92M trimmed.

  • Lutz Financial Services's largest Q4 2025 buy was iShares Russell 1000 ETF: 7,304 shares worth $2.73M.
  • Lutz Financial Services added most to Vanguard Tax-Exempt Bond Index Fund in Q4 2025, an estimated $7.6M increase.
  • Lutz Financial Services's biggest Q4 2025 reduction was State Street SPDR S&P 500 ETF Trust, cutting an estimated $1.92M.
  • Lutz Financial Services fully exited Oracle in Q4 2025, selling an estimated $240K.
  • Lutz Financial Services's ten largest holdings make up 59% of its $1.47B portfolio in Q4 2025.
  • Lutz Financial Services opened 7 new positions and closed 1 in Q4 2025.
  • Lutz Financial Services's portfolio value rose 6.4% quarter-over-quarter to $1.47B.

Based on Lutz Financial Services's 13F filing for Q4 2025, filed 6 Feb 2026.