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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
SPMD icon
76
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
$18.2B
$536K 0.04%
9,264
– –
AVGO icon
77
Broadcom
AVGO
$1.85T
$507K 0.03%
1,465
+137
+10% +$49K
DBEF icon
78
Xtrackers MSCI EAFE Hedged Equity ETF
DBEF
$9.17B
$504K 0.03%
+10,469
New +$502K
AVDV icon
79
Avantis International Small Cap Value ETF
AVDV
$19B
$481K 0.03%
5,120
+946
+23% +$85.8K
DFCF icon
80
Dimensional Core Fixed Income ETF
DFCF
$10.8B
$475K 0.03%
+11,164
New +$478K
AVUS icon
81
Avantis US Equity ETF
AVUS
$14B
$452K 0.03%
4,044
+263
+7% +$29K
JPM icon
82
JPMorgan Chase
JPM
$935B
$443K 0.03%
1,374
-160
-10% -$49.5K
IWN icon
83
iShares Russell 2000 Value ETF
IWN
$14.3B
$442K 0.03%
2,440
-8
-0.3% -$1.44K
VT icon
84
Vanguard Total World Stock ETF
VT
$77.1B
$421K 0.03%
2,988
-94
-3% -$13.1K
DFSV
85
Dimensional US Small Cap Value ETF
DFSV
$8.19B
$398K 0.03%
12,109
+293
+2% +$9.42K
IWR icon
86
iShares Russell Mid-Cap ETF
IWR
$56B
$391K 0.03%
4,065
– –
SCHF icon
87
Schwab International Equity ETF
SCHF
$66.6B
$359K 0.02%
14,938
– –
LLY icon
88
Eli Lilly
LLY
$1.02T
$349K 0.02%
325
+26
+9% +$24.9K
AVLV icon
89
Avantis US Large Cap Value ETF
AVLV
$18B
$343K 0.02%
+4,523
New +$333K
QQQ icon
90
Invesco QQQ Trust
QQQ
$453B
$339K 0.02%
551
+12
+2% +$7.36K
QEMM icon
91
State Street SPDR MSCI Emerging Markets StrategicFactors ETF
QEMM
$54.5M
$332K 0.02%
5,015
– –
ILCB icon
92
iShares Morningstar US Equity ETF
ILCB
$1.27B
$312K 0.02%
3,306
– –
VCIT icon
93
Vanguard Intermediate-Term Corporate Bond ETF
VCIT
$66.2B
$303K 0.02%
3,616
-500
-12% -$42K
ONEY icon
94
State Street SPDR Russell 1000 Yield Focus ETF
ONEY
$677M
$261K 0.02%
2,295
– –
WMT icon
95
Walmart Inc
WMT
$885B
$246K 0.02%
2,204
-242
-10% -$26K
SCHV
96
Schwab US Large-Cap Value ETF
SCHV
$15.7B
$245K 0.02%
8,275
– –
V icon
97
Visa
V
$684B
$231K 0.02%
660
-90
-12% -$30.7K
SPEM icon
98
State Street SPDR Portfolio Emerging Markets ETF
SPEM
$17.2B
$226K 0.02%
+4,828
New +$227K
VUG icon
99
Vanguard Morningstar Growth ETF
VUG
$220B
$220K 0.02%
+2,706
New +$220K
IGIB icon
100
iShares 5-10 Year Investment Grade Corporate Bond ETF
IGIB
$18.5B
$216K 0.01%
4,007
– –
1 2 3
4
5

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FAT
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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.