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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
BRK.B icon
51
Berkshire Hathaway Class B
BRK.B
$1.1T
$2.34M 0.16%
4,655
-33
-0.7% -$16.4K
VMBS icon
52
Vanguard Mortgage-Backed Securities ETF
VMBS
$15.4B
$2M 0.14%
42,449
+661
+2% +$31.1K
VEA icon
53
Vanguard FTSE Developed Markets ETF
VEA
$229B
$1.92M 0.13%
30,798
– –
NVDA icon
54
NVIDIA
NVDA
$4.86T
$1.91M 0.13%
10,254
-370
-3% -$68.9K
AAPL icon
55
Apple
AAPL
$4.54T
$1.64M 0.11%
6,044
-1,034
-15% -$278K
FNDF icon
56
Schwab Fundamental International Large Company Index ETF
FNDF
$24.9B
$1.51M 0.1%
33,329
-424
-1% -$18.8K
VNQ icon
57
Vanguard Real Estate ETF
VNQ
$39.2B
$1.49M 0.1%
16,813
-35
-0.2% -$3.15K
DFIV icon
58
Dimensional International Value ETF
DFIV
$21.3B
$1.48M 0.1%
29,623
+1,065
+4% +$50.6K
MSFT icon
59
Microsoft
MSFT
$3.45T
$1.46M 0.1%
3,017
-103
-3% -$51.6K
VTI icon
60
Vanguard Morningstar Total Stock Market ETF
VTI
$660B
$1.18M 0.08%
3,513
-22
-0.6% -$7.32K
VV icon
61
Vanguard Morningstar Large-Cap ETF
VV
$52.4B
$1.16M 0.08%
3,674
+49
+1% +$15.3K
VO icon
62
Vanguard Morningstar Mid-Cap ETF
VO
$106B
$1.14M 0.08%
15,696
-356
-2% -$25.9K
IWM icon
63
iShares Russell 2000 ETF
IWM
$79.8B
$1.03M 0.07%
4,200
+553
+15% +$136K
DFSD
64
Dimensional Short-Duration Fixed Income ETF
DFSD
$7.09B
$1.03M 0.07%
+21,519
New +$1.04M
IWD icon
65
iShares Russell 1000 Value ETF
IWD
$82.2B
$877K 0.06%
4,171
-29
-0.7% -$5.99K
AMZN icon
66
Amazon
AMZN
$2.92T
$858K 0.06%
3,719
+361
+11% +$82.6K
VIG icon
67
Vanguard Dividend Appreciation ETF
VIG
$111B
$826K 0.06%
3,760
– –
EFA icon
68
iShares MSCI EAFE ETF
EFA
$78B
$780K 0.05%
8,127
+4,789
+143% +$454K
BRK.A icon
69
Berkshire Hathaway Class A
BRK.A
$1.1T
$755K 0.05%
1
– –
GOOGL icon
70
Alphabet (Google) Class A
GOOGL
$4.36T
$683K 0.05%
2,183
-503
-19% -$144K
DLN icon
71
WisdomTree US LargeCap Dividend Fund
DLN
$6.26B
$657K 0.04%
7,456
– –
VB icon
72
Vanguard Morningstar Small-Cap ETF
VB
$79.5B
$656K 0.04%
2,541
– –
SCHG icon
73
Schwab US Large-Cap Growth ETF
SCHG
$59.8B
$631K 0.04%
19,334
-1,053
-5% -$34.2K
GOOG icon
74
Alphabet (Google) Class C
GOOG
$4.36T
$575K 0.04%
1,831
-406
-18% -$116K
META icon
75
Meta Platforms (Facebook)
META
$1.42T
$553K 0.04%
838
+18
+2% +$12K
1 2
3
4 5

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OA
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AIA
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NAM
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RIM
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MCM
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CPA
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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.