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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
VOO icon
1
Vanguard S&P 500 ETF
VOO
$967B
$151M 10.95%
246,920
+3,224
+1% +$1.9M
SPYV icon
2
State Street SPDR Portfolio S&P 500 Value ETF
SPYV
$36B
$125M 9.08%
2,266,428
+59,654
+3% +$3.21M
IJH icon
3
iShares Core S&P Mid-Cap ETF
IJH
$123B
$97.1M 7.03%
1,488,531
+30,630
+2% +$1.97M
BND icon
4
Vanguard Total Bond Market
BND
$157B
$94.1M 6.81%
1,264,680
+76,396
+6% +$5.63M
VTEB icon
5
Vanguard Tax-Exempt Bond Index Fund
VTEB
$45.1B
$66.9M 4.84%
1,335,724
+76,494
+6% +$3.76M
MDYV icon
6
State Street SPDR S&P 400 Mid Cap Value ETF
MDYV
$2.76B
$60.6M 4.38%
726,188
+24,953
+4% +$2.05M
VCSH icon
7
Vanguard Short-Term Corporate Bond ETF
VCSH
$44.7B
$59.6M 4.31%
745,702
+56,433
+8% +$4.49M
SCHP icon
8
Schwab US TIPS ETF
SCHP
$16.3B
$53.6M 3.88%
1,990,216
+139,767
+8% +$3.74M
MBB icon
9
iShares MBS ETF
MBB
$39B
$51.3M 3.71%
538,957
+48,542
+10% +$4.56M
SPY icon
10
State Street SPDR S&P 500 ETF Trust
SPY
$777B
$46.4M 3.36%
69,715
-988
-1% -$633K
MUB icon
11
iShares National Muni Bond ETF
MUB
$45.1B
$36.1M 2.61%
338,864
-5,156
-1% -$540K
DFAC icon
12
Dimensional US Core Equity 2 ETF
DFAC
$47.4B
$32.3M 2.34%
836,465
+15,572
+2% +$581K
IGSB icon
13
iShares 1-5 Year Investment Grade Corporate Bond ETF
IGSB
$22.8B
$25.5M 1.84%
480,348
+2,919
+0.6% +$154K
DFIC icon
14
Dimensional International Core Equity 2 ETF
DFIC
$14.4B
$24.8M 1.79%
755,336
+15,564
+2% +$497K
IVE icon
15
iShares S&P 500 Value ETF
IVE
$48.9B
$22.7M 1.64%
109,875
-783
-0.7% -$157K
IJR icon
16
iShares Core S&P Small-Cap ETF
IJR
$109B
$21.4M 1.55%
179,914
+1,670
+0.9% +$192K
AGG icon
17
iShares Core US Aggregate Bond ETF
AGG
$138B
$21.1M 1.53%
210,884
-4,667
-2% -$463K
BSV icon
18
Vanguard Short-Term Bond ETF
BSV
$44.6B
$20.1M 1.45%
254,512
+12,020
+5% +$945K
SCHM icon
19
Schwab US Mid-Cap ETF
SCHM
$14.6B
$20M 1.45%
674,981
-13,661
-2% -$398K
DUHP icon
20
Dimensional US High Profitability ETF
DUHP
$12.3B
$19.4M 1.41%
514,349
+26,656
+5% +$977K
SCHX icon
21
Schwab US Large- Cap ETF
SCHX
$70.8B
$19.4M 1.4%
736,160
-1,377
-0.2% -$35K
DFAS icon
22
Dimensional US Small Cap ETF
DFAS
$15.2B
$15.9M 1.15%
232,493
-2,607
-1% -$174K
IVV icon
23
iShares Core S&P 500 ETF
IVV
$875B
$15.9M 1.15%
23,742
-226
-0.9% -$146K
VOE icon
24
Vanguard Mid-Cap Value ETF
VOE
$23.7B
$15.6M 1.13%
89,418
-1,220
-1% -$208K
IJJ icon
25
iShares S&P Mid-Cap 400 Value ETF
IJJ
$8.84B
$15.6M 1.13%
120,160
-409
-0.3% -$52.4K
1
2 3 4

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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.