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OFP

OLIO Financial Planning Portfolio holdings

AUM $403M
1-Year Est. Return 20.12%
This Fund
S&P 500
This Quarter Est. Return
+2.16%
1 Year Est. Return
+20.12%
3 Year Est. Return
+47.83%
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$356M
AUM Growth
+$15.6M
Cap. Flow
+$8.26M
Cap. Flow %
2.32%
Top 10 Hldgs %
87.55%
Holding
75
New
8
Increased
30
Reduced
20
Closed
4

Top Buys

Rank Stock Value
1
FBND icon
Fidelity Total Bond ETF
FBND
+$2.47M
2
DFUS
Dimensional US Equity ETF
DFUS
+$2.31M
3
VTV icon
Vanguard Morningstar Value ETF
VTV
+$1.67M
4
VEA icon
Vanguard FTSE Developed Markets ETF
VEA
+$956K
5
DFAT icon
Dimensional US Targeted Value ETF
DFAT
+$874K

Top Sells

Rank Stock Value
1
VTI icon
Vanguard Morningstar Total Stock Market ETF
VTI
+$1.85M
2
BIV icon
Vanguard Intermediate-Term Bond ETF
BIV
+$583K
3
NFLX icon
Netflix
NFLX
+$240K
4
TENB icon
Tenable Holdings
TENB
+$219K
5
VB icon
Vanguard Morningstar Small-Cap ETF
VB
+$202K

Sector Composition

Rank Sector Weight
1 Miscellaneous 95.87%
2 Technology 1.38%
3 Financials 0.7%
4 Industrials 0.57%
5 Communication Services 0.34%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
DFUS
1
Dimensional US Equity ETF
DFUS
$21.6B
$63.5M 17.81%
856,242
+31,450
+4% +$2.31M
VTV icon
2
Vanguard Morningstar Value ETF
VTV
$193B
$62.3M 17.46%
325,982
+8,855
+3% +$1.67M
VEA icon
3
Vanguard FTSE Developed Markets ETF
VEA
$241B
$51.6M 14.48%
826,598
+15,599
+2% +$956K
FBND icon
4
Fidelity Total Bond ETF
FBND
$28.1B
$44.9M 12.6%
975,741
+53,318
+6% +$2.47M
VTI icon
5
Vanguard Morningstar Total Stock Market ETF
VTI
$691B
$39.8M 11.17%
118,730
-5,570
-4% -$1.85M
VOE icon
6
Vanguard Morningstar Mid-Cap Value ETF
VOE
$24.3B
$17.3M 4.86%
97,602
+3,700
+4% +$648K
DFAT icon
7
Dimensional US Targeted Value ETF
DFAT
$14.6B
$13.5M 3.78%
226,387
+14,980
+7% +$874K
VEU icon
8
Vanguard FTSE All-World ex-US ETF
VEU
$71.3B
$10.5M 2.96%
143,360
+2,788
+2% +$203K
SCHD icon
9
Schwab US Dividend Equity ETF
SCHD
$111B
$4.37M 1.23%
159,440
+900
+0.6% +$24.5K
VTEB icon
10
Vanguard Tax-Exempt Bond Index Fund
VTEB
$45.8B
$4.28M 1.2%
85,142
+2,537
+3% +$128K
SPEM icon
11
State Street SPDR Portfolio Emerging Markets ETF
SPEM
$18B
$3.16M 0.89%
67,587
+3,995
+6% +$188K
VBR icon
12
Vanguard Morningstar Small-Cap Value ETF
VBR
$37.3B
$2.98M 0.83%
14,048
-786
-5% -$165K
AAPL icon
13
Apple
AAPL
$4.61T
$2.82M 0.79%
10,367
+2,087
+25% +$560K
SPSB icon
14
State Street SPDR Portfolio Short Term Corporate Bond ETF
SPSB
$10.5B
$2.32M 0.65%
76,703
+2,975
+4% +$89.9K
VWO icon
15
Vanguard FTSE Emerging Markets ETF
VWO
$129B
$2.19M 0.61%
40,726
-459
-1% -$24.9K
ESGD icon
16
iShares ESG Aware MSCI EAFE ETF
ESGD
$12.3B
$2.15M 0.6%
22,574
+955
+4% +$90K
VXUS icon
17
Vanguard Total International Stock ETF
VXUS
$167B
$1.72M 0.48%
22,843
-152
-0.7% -$11.3K
ESGU icon
18
iShares ESG Aware MSCI USA ETF
ESGU
$18.1B
$1.5M 0.42%
10,084
+1,552
+18% +$229K
VO icon
19
Vanguard Morningstar Mid-Cap ETF
VO
$108B
$1.41M 0.4%
19,464
+220
+1% +$16K
SCHE icon
20
Schwab Emerging Markets Equity ETF
SCHE
$13.2B
$1.31M 0.37%
39,868
-5,175
-11% -$173K
BRK.B icon
21
Berkshire Hathaway Class B
BRK.B
$1.08T
$980K 0.27%
1,949
-83
-4% -$41.3K
JMST icon
22
JPMorgan Ultra-Short Municipal Income ETF
JMST
$7.38B
$946K 0.27%
18,564
+1,701
+10% +$86.7K
AMZN icon
23
Amazon
AMZN
$2.77T
$886K 0.25%
3,837
+48
+1% +$11K
EMXC icon
24
iShares MSCI Emerging Markets ex China ETF
EMXC
$26B
$878K 0.25%
12,080
– –
VOO icon
25
Vanguard S&P 500 ETF
VOO
$1.05T
$856K 0.24%
1,366
– –
1
2 3

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ACM
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OLIO Financial Planning's Q4 2025 Portfolio in Review

As of Q4 2025, OLIO Financial Planning held 75 positions worth $356M, up 4.6% from $341M the previous quarter. Its ten largest holdings account for 88% of the portfolio.

OLIO Financial Planning's Q4 2025 filing shows 8 new, 30 increased, 20 reduced and 4 closed positions. Its largest new stake was Alphabet (Google) Class A: 1,038 shares worth $325K. The largest sale was Vanguard Morningstar Total Stock Market ETF, an estimated $1.85M.

By sector, the portfolio is most concentrated in Miscellaneous at 96% of assets, down from 96% a quarter earlier, followed by Technology and Financials.

  • OLIO Financial Planning's largest Q4 2025 buy was Alphabet (Google) Class A: 1,038 shares worth $325K.
  • OLIO Financial Planning added most to Fidelity Total Bond ETF in Q4 2025, an estimated $2.47M increase.
  • OLIO Financial Planning's biggest Q4 2025 reduction was Vanguard Morningstar Total Stock Market ETF, cutting an estimated $1.85M.
  • OLIO Financial Planning fully exited Vanguard Intermediate-Term Bond ETF in Q4 2025, selling an estimated $583K.
  • OLIO Financial Planning's ten largest holdings make up 88% of its $356M portfolio in Q4 2025.
  • OLIO Financial Planning opened 8 new positions and closed 4 in Q4 2025.
  • OLIO Financial Planning's portfolio value rose 4.6% quarter-over-quarter to $356M.

Based on OLIO Financial Planning's 13F filing for Q4 2025, filed 21 Jan 2026.