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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
IWN icon
76
iShares Russell 2000 Value ETF
IWN
$14.3B
$433K 0.03%
2,448
-239
-9% -$40.3K
VT icon
77
Vanguard Total World Stock ETF
VT
$77.1B
$425K 0.03%
3,082
-84
-3% -$11.2K
AVUS icon
78
Avantis US Equity ETF
AVUS
$14B
$411K 0.03%
3,781
-23
-0.6% -$2.41K
IWR icon
79
iShares Russell Mid-Cap ETF
IWR
$56B
$393K 0.03%
4,065
-3
-0.1% -$284
DFSV
80
Dimensional US Small Cap Value ETF
DFSV
$8.19B
$376K 0.03%
11,816
-2
-0% -$62
AVDV icon
81
Avantis International Small Cap Value ETF
AVDV
$19B
$372K 0.03%
4,174
– –
SCHF icon
82
Schwab International Equity ETF
SCHF
$66.6B
$348K 0.03%
14,938
– –
VCIT icon
83
Vanguard Intermediate-Term Corporate Bond ETF
VCIT
$66.2B
$346K 0.03%
4,116
-11
-0.3% -$915
QEMM icon
84
State Street SPDR MSCI Emerging Markets StrategicFactors ETF
QEMM
$54.5M
$332K 0.02%
5,015
– –
QQQ icon
85
Invesco QQQ Trust
QQQ
$453B
$324K 0.02%
539
– –
EFA icon
86
iShares MSCI EAFE ETF
EFA
$78B
$312K 0.02%
3,338
– –
ILCB icon
87
iShares Morningstar US Equity ETF
ILCB
$1.27B
$306K 0.02%
3,306
-50
-1% -$4.45K
ONEY icon
88
State Street SPDR Russell 1000 Yield Focus ETF
ONEY
$677M
$260K 0.02%
2,295
– –
V icon
89
Visa
V
$684B
$256K 0.02%
750
-4
-0.5% -$1.38K
WMT icon
90
Walmart Inc
WMT
$885B
$252K 0.02%
2,446
-30
-1% -$2.99K
SCHV
91
Schwab US Large-Cap Value ETF
SCHV
$15.7B
$241K 0.02%
8,275
– –
ORCL icon
92
Oracle
ORCL
$374B
$240K 0.02%
+855
New +$218K
LLY icon
93
Eli Lilly
LLY
$1.02T
$228K 0.02%
299
-23
-7% -$17.1K
MA icon
94
Mastercard
MA
$502B
$226K 0.02%
397
-7
-2% -$4.02K
IGIB icon
95
iShares 5-10 Year Investment Grade Corporate Bond ETF
IGIB
$18.5B
$217K 0.02%
4,007
– –
AVEM icon
96
Avantis Emerging Markets Equity ETF
AVEM
$25.4B
$206K 0.01%
+2,749
New +$196K
EFV icon
97
iShares MSCI EAFE Value ETF
EFV
$28.8B
– –
-3,654
Closed -$232K
IBM icon
98
IBM
IBM
$211B
– –
-714
Closed -$210K
SPAB icon
99
State Street SPDR Portfolio Aggregate Bond ETF
SPAB
$9.76B
– –
-8,611
Closed -$220K
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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MCM
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CPA
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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.