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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
NVDA icon
51
NVIDIA
NVDA
$4.86T
$1.98M 0.14%
10,624
-46
-0.4% -$8.02K
VMBS icon
52
Vanguard Mortgage-Backed Securities ETF
VMBS
$15.4B
$1.96M 0.14%
41,788
+912
+2% +$42.3K
VEA icon
53
Vanguard FTSE Developed Markets ETF
VEA
$229B
$1.85M 0.13%
30,798
-827
-3% -$48.2K
AAPL icon
54
Apple
AAPL
$4.54T
$1.8M 0.13%
7,078
+426
+6% +$96.2K
MSFT icon
55
Microsoft
MSFT
$3.45T
$1.62M 0.12%
3,120
-45
-1% -$23K
VNQ icon
56
Vanguard Real Estate ETF
VNQ
$39.2B
$1.54M 0.11%
16,848
-9
-0.1% -$816
FNDF icon
57
Schwab Fundamental International Large Company Index ETF
FNDF
$24.9B
$1.45M 0.11%
33,753
– –
DFIV icon
58
Dimensional International Value ETF
DFIV
$21.3B
$1.32M 0.1%
28,558
– –
VO icon
59
Vanguard Morningstar Mid-Cap ETF
VO
$106B
$1.18M 0.09%
16,052
+36
+0.2% +$2.58K
VTI icon
60
Vanguard Morningstar Total Stock Market ETF
VTI
$660B
$1.16M 0.08%
3,535
– –
VV icon
61
Vanguard Morningstar Large-Cap ETF
VV
$52.4B
$1.12M 0.08%
3,625
+11
+0.3% +$3.26K
IWM icon
62
iShares Russell 2000 ETF
IWM
$79.8B
$882K 0.06%
3,647
– –
IWD icon
63
iShares Russell 1000 Value ETF
IWD
$82.2B
$855K 0.06%
4,200
+542
+15% +$108K
VIG icon
64
Vanguard Dividend Appreciation ETF
VIG
$111B
$811K 0.06%
3,760
– –
BRK.A icon
65
Berkshire Hathaway Class A
BRK.A
$1.1T
$754K 0.05%
1
– –
AMZN icon
66
Amazon
AMZN
$2.92T
$737K 0.05%
3,358
-3
-0.1% -$679
GOOGL icon
67
Alphabet (Google) Class A
GOOGL
$4.36T
$653K 0.05%
2,686
+78
+3% +$16.3K
SCHG icon
68
Schwab US Large-Cap Growth ETF
SCHG
$59.8B
$651K 0.05%
20,387
+1,053
+5% +$32.1K
DLN icon
69
WisdomTree US LargeCap Dividend Fund
DLN
$6.26B
$649K 0.05%
7,456
– –
VB icon
70
Vanguard Morningstar Small-Cap ETF
VB
$79.5B
$646K 0.05%
2,541
+4
+0.2% +$992
META icon
71
Meta Platforms (Facebook)
META
$1.42T
$602K 0.04%
820
+30
+4% +$22.3K
GOOG icon
72
Alphabet (Google) Class C
GOOG
$4.36T
$545K 0.04%
2,237
+75
+3% +$15.8K
SPMD icon
73
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
$18.2B
$530K 0.04%
9,264
– –
JPM icon
74
JPMorgan Chase
JPM
$935B
$484K 0.04%
1,534
-9
-0.6% -$2.68K
AVGO icon
75
Broadcom
AVGO
$1.85T
$438K 0.03%
1,328
+163
+14% +$50K
1 2
3
4

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OA
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AIA
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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.