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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
VOO icon
1
Vanguard S&P 500 ETF
VOO
$972B
$159M 10.81%
253,536
+6,616
+3% +$4.11M
SPYV icon
2
State Street SPDR Portfolio S&P 500 Value ETF
SPYV
$36.1B
$136M 9.23%
2,387,903
+121,475
+5% +$6.82M
IJH icon
3
iShares Core S&P Mid-Cap ETF
IJH
$123B
$104M 7.09%
1,578,398
+89,867
+6% +$5.89M
BND icon
4
Vanguard Total Bond Market
BND
$158B
$101M 6.87%
1,362,944
+98,264
+8% +$7.31M
VTEB icon
5
Vanguard Tax-Exempt Bond Index Fund
VTEB
$45.2B
$74.8M 5.09%
1,486,795
+151,071
+11% +$7.6M
MDYV icon
6
State Street SPDR S&P 400 Mid Cap Value ETF
MDYV
$2.77B
$66.3M 4.51%
783,438
+57,250
+8% +$4.79M
VCSH icon
7
Vanguard Short-Term Corporate Bond ETF
VCSH
$44.7B
$65.3M 4.44%
819,525
+73,823
+10% +$5.89M
SCHP icon
8
Schwab US TIPS ETF
SCHP
$16.3B
$58.5M 3.98%
2,206,735
+216,519
+11% +$5.81M
MBB icon
9
iShares MBS ETF
MBB
$39B
$56.9M 3.87%
597,581
+58,624
+11% +$5.59M
SPY icon
10
State Street SPDR S&P 500 ETF Trust
SPY
$780B
$45.6M 3.1%
66,871
-2,844
-4% -$1.92M
MUB icon
11
iShares National Muni Bond ETF
MUB
$45.1B
$37.6M 2.56%
351,298
+12,434
+4% +$1.33M
DFAC icon
12
Dimensional US Core Equity 2 ETF
DFAC
$47.6B
$35.5M 2.42%
896,946
+60,481
+7% +$2.36M
DFIC icon
13
Dimensional International Core Equity 2 ETF
DFIC
$14.5B
$27.3M 1.85%
791,288
+35,952
+5% +$1.2M
IGSB icon
14
iShares 1-5 Year Investment Grade Corporate Bond ETF
IGSB
$22.8B
$25.7M 1.75%
486,755
+6,407
+1% +$339K
IJR icon
15
iShares Core S&P Small-Cap ETF
IJR
$109B
$23M 1.56%
191,033
+11,119
+6% +$1.33M
IVE icon
16
iShares S&P 500 Value ETF
IVE
$48.9B
$22.7M 1.54%
106,970
-2,905
-3% -$609K
AGG icon
17
iShares Core US Aggregate Bond ETF
AGG
$138B
$22M 1.49%
219,891
+9,007
+4% +$904K
DUHP icon
18
Dimensional US High Profitability ETF
DUHP
$12.3B
$21.4M 1.45%
562,375
+48,026
+9% +$1.82M
BSV icon
19
Vanguard Short-Term Bond ETF
BSV
$44.6B
$21.1M 1.44%
268,024
+13,512
+5% +$1.07M
SCHM icon
20
Schwab US Mid-Cap ETF
SCHM
$14.7B
$20.2M 1.37%
670,307
-4,674
-0.7% -$139K
SCHX icon
21
Schwab US Large- Cap ETF
SCHX
$71.2B
$19.6M 1.33%
728,336
-7,824
-1% -$209K
DFAS icon
22
Dimensional US Small Cap ETF
DFAS
$15.2B
$16.5M 1.12%
237,201
+4,708
+2% +$325K
IVV icon
23
iShares Core S&P 500 ETF
IVV
$879B
$16.4M 1.12%
23,966
+224
+0.9% +$152K
VOE icon
24
Vanguard Mid-Cap Value ETF
VOE
$23.7B
$15.9M 1.08%
89,461
+43
+0% +$7.53K
IJJ icon
25
iShares S&P Mid-Cap 400 Value ETF
IJJ
$8.86B
$15.8M 1.07%
120,056
-104
-0.1% -$13.5K
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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SB
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MCM
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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.