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VFS

Valpey Financial Services Portfolio holdings

AUM $154M
1-Year Est. Return 13.26%
This Fund
S&P 500
This Quarter Est. Return
+1.26%
1 Year Est. Return
+13.26%
3 Year Est. Return
–
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$157M
AUM Growth
+$3.85M
Cap. Flow
+$1.96M
Cap. Flow %
1.25%
Top 10 Hldgs %
41.62%
Holding
73
New
1
Increased
50
Reduced
21
Closed
1

Top Buys

Rank Stock Value
1
VTI icon
Vanguard Morningstar Total Stock Market ETF
VTI
+$401K
2
BNDX icon
Vanguard Total International Bond ETF
BNDX
+$387K
3
SCHO icon
Schwab Short-Term US Treasury ETF
SCHO
+$329K
4
SPY icon
State Street SPDR S&P 500 ETF Trust
SPY
+$292K
5
BND icon
Vanguard Total Bond Market
BND
+$270K

Top Sells

Rank Stock Value
1
AAPL icon
Apple
AAPL
+$897K
2
VUG icon
Vanguard Morningstar Growth ETF
VUG
+$330K
3
SCHG icon
Schwab US Large-Cap Growth ETF
SCHG
+$192K
4
SPYG icon
State Street SPDR Portfolio S&P 500 Growth ETF
SPYG
+$126K
5
SHV icon
iShares 0-1 Year Treasury Bond ETF
SHV
+$104K

Sector Composition

Rank Sector Weight
1 Technology 1.21%
2 Energy 0.3%
3 Financials 0.28%
4 Communication Services 0.2%
5 Industrials 0.13%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
SPYV icon
26
State Street SPDR Portfolio S&P 500 Value ETF
SPYV
$36.1B
$2.13M 1.36%
37,552
+1,788
+5% +$100K
VIOO icon
27
Vanguard S&P Small-Cap 600 ETF
VIOO
$4.15B
$2.1M 1.34%
18,937
+42
+0.2% +$4.67K
EFA icon
28
iShares MSCI EAFE ETF
EFA
$78B
$2.09M 1.34%
21,781
-78
-0.4% -$7.4K
SCHP icon
29
Schwab US TIPS ETF
SCHP
$16.4B
$1.97M 1.26%
74,403
+4,576
+7% +$123K
VONG icon
30
Vanguard Russell 1000 Growth ETF
VONG
$42.8B
$1.74M 1.11%
14,268
-368
-3% -$44.9K
IJH icon
31
iShares Core S&P Mid-Cap ETF
IJH
$122B
$1.7M 1.08%
25,740
-421
-2% -$27.6K
SPY icon
32
State Street SPDR S&P 500 ETF Trust
SPY
$795B
$1.61M 1.03%
2,366
+432
+22% +$292K
VWO icon
33
Vanguard FTSE Emerging Markets ETF
VWO
$121B
$1.49M 0.95%
27,768
+1,303
+5% +$70.8K
IJR icon
34
iShares Core S&P Small-Cap ETF
IJR
$110B
$1.41M 0.9%
11,691
+205
+2% +$24.5K
SHY icon
35
iShares 1-3 Year Treasury Bond ETF
SHY
$25.1B
$1.11M 0.71%
13,451
+1,316
+11% +$109K
IAGG icon
36
iShares Core International Aggregate Bond Fund
IAGG
$10.9B
$1.1M 0.7%
22,008
+1,938
+10% +$99.6K
IJS icon
37
iShares S&P Small-Cap 600 Value ETF
IJS
$8.12B
$1.07M 0.69%
9,436
+29
+0.3% +$3.25K
MSFT icon
38
Microsoft
MSFT
$3.45T
$1.03M 0.66%
2,125
+18
+0.9% +$9.02K
VEA icon
39
Vanguard FTSE Developed Markets ETF
VEA
$229B
$984K 0.63%
15,747
-61
-0.4% -$3.74K
IDEV icon
40
iShares Core MSCI International Developed Markets ETF
IDEV
$31.7B
$960K 0.61%
11,644
+415
+4% +$33.7K
VB icon
41
Vanguard Morningstar Small-Cap ETF
VB
$79.5B
$955K 0.61%
3,700
+85
+2% +$21.8K
IBM icon
42
IBM
IBM
$211B
$867K 0.55%
2,927
-195
-6% -$58.4K
SPMD icon
43
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
$18.2B
$814K 0.52%
14,064
+1,139
+9% +$65.4K
VUSB icon
44
Vanguard Ultra-Short Bond ETF
VUSB
$8.94B
$808K 0.52%
16,218
+4,852
+43% +$242K
VGSH icon
45
Vanguard Short-Term Treasury ETF
VGSH
$29.3B
$744K 0.48%
12,669
+1,671
+15% +$98.2K
IVW icon
46
iShares S&P 500 Growth ETF
IVW
$73.8B
$712K 0.45%
5,779
-162
-3% -$19.8K
VTI icon
47
Vanguard Morningstar Total Stock Market ETF
VTI
$660B
$704K 0.45%
2,101
+1,205
+134% +$401K
SPYG icon
48
State Street SPDR Portfolio S&P 500 Growth ETF
SPYG
$51.9B
$689K 0.44%
6,459
-1,192
-16% -$126K
IUSB icon
49
iShares Core Universal USD Bond ETF
IUSB
$42.9B
$642K 0.41%
13,795
+142
+1% +$6.64K
SHV icon
50
iShares 0-1 Year Treasury Bond ETF
SHV
$20.6B
$628K 0.4%
5,705
-939
-14% -$104K
1
2
3

Similar funds

MDP
Millbank Dartmoor Portsmouth Asheville, North Carolina $154M AUM
HPM
H. Partners Management New York $154M AUM 19.94% 1-Year Est. Return
CCA
Cravens & Co Advisors Cookeville, Tennessee $154M AUM 17.67% 1-Year Est. Return
SOWAS
Silver Oak Wealth Advisors Services Los Angeles, California $154M AUM 13.96% 1-Year Est. Return
AFC
Alpine Fox Capital Las Vegas, Nevada $154M AUM
SHU
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BVC
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FW
Fidato Wealth Middleburg Heights, Ohio $154M AUM 11.98% 1-Year Est. Return

Valpey Financial Services's Q4 2025 Portfolio in Review

As of Q4 2025, Valpey Financial Services held 73 positions worth $157M, up 2.5% from $153M the previous quarter. Its ten largest holdings account for 42% of the portfolio.

Trading was light in Q4 2025: portfolio turnover was 2.7%. Valpey Financial Services opened 1 new position and exited 1, leaving the 73-position portfolio largely intact.

By sector, the portfolio is most concentrated in Technology at 1.2% of assets, down from 1.9% a quarter earlier, followed by Energy and Financials.

  • Valpey Financial Services's largest Q4 2025 buy was iShares 1-5 Year Investment Grade Corporate Bond ETF: 3,788 shares worth $200K.
  • Valpey Financial Services added most to Vanguard Morningstar Total Stock Market ETF in Q4 2025, an estimated $401K increase.
  • Valpey Financial Services's biggest Q4 2025 reduction was Vanguard Morningstar Growth ETF, cutting an estimated $330K.
  • Valpey Financial Services fully exited Apple in Q4 2025, selling an estimated $897K.
  • Valpey Financial Services's ten largest holdings make up 42% of its $157M portfolio in Q4 2025.
  • Valpey Financial Services opened 1 new position and closed 1 in Q4 2025.
  • Valpey Financial Services's portfolio value rose 2.5% quarter-over-quarter to $157M.

Based on Valpey Financial Services's 13F filing for Q4 2025, filed 10 Feb 2026.