Stearns Financial Services Group

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CIK 1569099

13F portfolio (2020-Q3)

$638M

Positions

208

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2020-Q2. A lagged quarterly snapshot (filed ≤45 days after quarter-end); excludes shorts, options, cash, and shares listed only on non-US exchanges — foreign companies held via a US listing or ADR (e.g. Alibaba, TSMC) ARE included.

Implied return what this book implies · modeled, not advice methodology →

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As filed = each book applied at its quarter-end (what the reported book did) · As copyable = applied at its statutory 45-day filing deadline (what a 13F follower could have earned).

Computing…

Hypothetical modeled performance constructed with hindsight — not actual results, and not indicative of future results. See the Disclaimer.

Exposures · what this manager owns, by sector & size (2020-Q3)

Holdings

207

Top 5

40.3%

Top 10

63.8%

Effective N

20.4

HHI

0.049

This quarter

20 new · 0 exit →

By sector

Unclassified86.8%

Information Technology4.1%

Financials1.8%

Consumer Discretionary1.8%

Health Care1.7%

Industrials1.3%

Consumer Staples0.9%

Communication Services0.7%

Other0.9%

By market cap

Unknown86.9%

Mega (>$200B)8.4%

Large ($10–200B)4.7%

By region

Other86.8%

North America13.1%

Europe0.1%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	87.84%	135
Pharmaceuticals & Biotechnology	1.63%	8
Software	1.55%	3
Technology Hardware & Equipment	1.50%	4
Specialty Retail	1.47%	6
Semiconductors & Semiconductor Equipment	0.72%	2
Banks	0.63%	5
Beverages	0.54%	2
Software & IT Services	0.51%	3
Oil, Gas & Consumable Fuels	0.43%	4
Road & Rail	0.39%	4
Diversified Telecommunication Services	0.37%	2
Health Care Equipment & Supplies	0.33%	2
Aerospace & Defense	0.29%	3
Machinery	0.24%	4
Chemicals	0.20%	1
Utilities	0.18%	3
Distributors	0.17%	1
Hotels, Restaurants & Leisure	0.17%	1
Commercial Services & Supplies	0.15%	1
Tobacco	0.14%	2
Professional Services	0.10%	1
Electrical Equipment & Components	0.10%	3
Paper & Forest Products	0.09%	1
Insurance	0.08%	2
Communications Equipment	0.08%	1
Food & Staples Retailing	0.07%	1
Food Products	0.04%	1
Automobiles & Components	0.00%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	BND	VANGUARD BD INDEX FDS	Unclassified	11.20%
2	IAU	ISHARES GOLD TRUST	Unclassified	7.98%
3	VEU	VANGUARD INTL EQUITY INDEX F	Unclassified	7.41%
4	VUG	VANGUARD INDEX FDS	Unclassified	7.26%
5	VIG	VANGUARD SPECIALIZED FUNDS	Unclassified	6.44%
6	IEI	ISHARES TR	Unclassified	5.79%
7	PAPR	INNOVATOR ETFS TRUST	Unclassified	5.26%
8	VTIP	VANGUARD MALVERN FDS	Unclassified	5.22%
9	USMF	WISDOMTREE TR	Unclassified	4.17%
10	SCHF	SCHWAB STRATEGIC TR	Unclassified	3.06%

74/207 names classified · sector 13.2% of weight · industry 12.2% · mkt cap 13.1%; unclassified names shown, never dropped.

Sector allocation over time · how the GICS mix & top names shifted quarter by quarter

top 5/sector, rest → “Other” · 30 quarters

Information TechnologyMSFT, GE, INTC, AAPL, IBM · other

Health CareJNJ, PFE, ABT, SYK, ABBV · other

FinancialsBRK.B, WFC, JPM, BAC, TFC · other

Consumer DiscretionaryLOW, SYY, HD, TGT, UFI · other

EnergyXOM, CVX, COP, SLB, ENB

IndustrialsMMM, UPS, PAYX, BA, ITW · other

Consumer StaplesPEP, KO, PM, CVS, MO · other

Communication ServicesVZ, T, GOOGL, GOOG, DIS · other

MaterialsPG, KMB, CL, CLX, MLM · other

UtilitiesDUK, D, NEE, KMI, SO · other

UnclassifiedVEU, VIG, BND, VUG, IAU · other

Sector is classified on each name's CURRENT fundamentals, not point-in-time — apparent sector drift can reflect the market re-rating a holding, not a manager trade. 13F is a lagged quarterly snapshot of long positions in US-listed securities only — foreign companies held via a US listing or ADR ARE included, but shares listed only on non-US exchanges (plus shorts, options and cash) are not. Latest quarter: 13.2% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2020-Q3), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 12% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (71 classified)Stearns Financial Services Group centroid (Large Core)

Information TechnologyConsumer DiscretionaryHealth CareIndustrialsFinancialsConsumer StaplesCommunication ServicesEnergyMaterialsUtilities

Style box summary for Stearns Financial Services Group: centroid Large Core. Heaviest cells: Large Value 4.0%, Large Growth 3.8%, Large Core 3.3%.

Classified: 12.1% of book weight (71/202 names) · unclassified 87.9%: BND, IAU, VEU, VUG, VIG, IEI, PAPR, VTIP, USMF, SCHF +121 more. Size: cap 70/20/10 bands; style: value/growth composite on our own metrics — not Morningstar's model.

Contribution holdings-based, any period

No contribution data for this period.

Holdings· 208 positions (2020-Q3) · largest first · Δ vs 2020-Q2

#	Security	Shares	Value	Weight	Δ QoQ
1	BNDVANGUARD BD INDEX FDS	810,927	$72M	11.2%	ADD 6%
2	IAUISHARES GOLD TRUST	2,833,801	$51M	8.0%	ADD 5%
3	VEUVANGUARD INTL EQUITY INDEX F	938,237	$47M	7.4%	TRIM −10%
4	VUGVANGUARD INDEX FDS	203,683	$46M	7.3%	TRIM −7%
5	VIGVANGUARD SPECIALIZED FUNDS	319,810	$41M	6.4%	HOLD
6	IEIISHARES TR	276,511	$37M	5.8%	ADD 3%
7	PAPRINNOVATOR ETFS TRUST	1,259,827	$34M	5.3%	HOLD
8	VTIPVANGUARD MALVERN FDS	653,325	$33M	5.2%	ADD 7%
9	USMFWISDOMTREE TR	851,574	$27M	4.2%	HOLD
10	SCHFSCHWAB STRATEGIC TR	622,864	$20M	3.1%	TRIM −16%
11	VTVANGUARD INTL EQUITY INDEX F	214,274	$17M	2.7%	TRIM −2%
12	VGTVANGUARD WORLD FD	45,684	$14M	2.2%	TRIM −9%
13	IJULINNOVATOR INTERNATIONAL DEVELOPED POWER BUFFER ETF - JULY	599,559	$14M	2.2%	ADD 3%
14	PMARINNOVATOR ETFS TRUST	442,117	$12M	1.9%	HOLD
15	IWPISHARES TR	55,753	$10M	1.5%	TRIM −11%
16	LRGFISHARES TR	286,852	$10M	1.5%	ADD 3%
17	MSFTMICROSOFT CORP	39,341	$8M	1.3%	TRIM −10%
18	IJANINNOVATOR ETFS TRUST	311,417	$7M	1.2%	ADD 3%
19	SCHBSCHWAB STRATEGIC TR	82,515	$7M	1.0%	TRIM −27%
20	AAPLAPPLE INC	56,290	$7M	1.0%	ADD 204%
21	PSEPINNOVATOR ETFS TRUST	238,440	$6M	1.0%	ADD 25%
22	BRK.BBERKSHIRE HATHAWAY INC DEL	28,977	$6M	1.0%	ADD 9%
23	VYMVANGUARD WHITEHALL FDS	61,364	$5M	0.8%	HOLD
24	JNJJOHNSON & JOHNSON	32,531	$5M	0.8%	HOLD
25	INTCINTEL CORP	72,368	$4M	0.6%	HOLD
26	LOWLOWES COS INC	22,138	$4M	0.6%	TRIM −4%
27	SCHGSCHWAB U.S. LARGE-CAP GROWTH ETF	24,094	$3M	0.4%	TRIM −6%
28	XLESELECT SECTOR SPDR TR	88,850	$3M	0.4%	HOLD
29	SCHVSCHWAB STRATEGIC TR	50,719	$3M	0.4%	HOLD
30	PEPPEPSICO INC	18,848	$3M	0.4%	TRIM −3%
31	WMTWALMART INC	12,287	$2M	0.3%	HOLD
32	HDHOME DEPOT INC	6,159	$2M	0.3%	TRIM −3%
33	SCHOSCHWAB SHORT-TERM US TREASURY ETF	31,855	$2M	0.3%	HOLD
34	CSCOCISCO SYS INC	41,641	$2M	0.3%	HOLD
35	EFVISHARES TR	40,158	$2M	0.3%	HOLD
36	VZVERIZON COMMUNICATIONS INC	27,230	$2M	0.3%	HOLD
37	QUALISHARES TR	15,524	$2M	0.3%	TRIM −9%
38	AMZNAMAZON COM INC	506	$2M	0.2%	ADD 3%
39	IWMISHARES TR	10,473	$2M	0.2%	TRIM −5%
40	TFCTRUIST FINL CORP	40,993	$2M	0.2%	TRIM −2%
41	MMM3M CO	9,423	$2M	0.2%	HOLD
42	VSSVANGUARD INTL EQUITY INDEX F	13,582	$1M	0.2%	HOLD
43	ORCLORACLE CORP	23,718	$1M	0.2%	TRIM −3%
44	CVXCHEVRON CORP NEW	18,924	$1M	0.2%	TRIM −8%
45	ABTABBOTT LABS	12,393	$1M	0.2%	TRIM −9%
46	SHVISHARES TR	11,739	$1M	0.2%	NEW
47	GOOGLALPHABET INC	885	$1M	0.2%	TRIM −14%
48	PGPROCTER AND GAMBLE CO	9,293	$1M	0.2%	TRIM −15%
49	RODMLATTICE STRATEGIES TR	46,528	$1M	0.2%	TRIM −95%
50	SCHESCHWAB STRATEGIC TR	44,406	$1M	0.2%	TRIM −38%
51	BSVVANGUARD BD INDEX FDS	14,305	$1M	0.2%	ADD 2087%
52	ADPAUTOMATIC DATA PROCESSING IN	8,239	$1M	0.2%	HOLD
53	AMGNAMGEN INC	4,309	$1M	0.2%	HOLD
54	NULGNUSHARES ETF TR	21,126	$1M	0.2%	TRIM −4%
55	SYYSYSCO CORP	17,244	$1M	0.2%	TRIM −4%
56	RTXRTX CORPORATION	18,561	$1M	0.2%	HOLD
57	XLFSELECT SECTOR SPDR TR	43,920	$1M	0.2%	ADD 5%
58	MCDMCDONALDS CORP	4,806	$1M	0.2%	TRIM −13%
59	JPMJPMORGAN CHASE & CO	10,833	$1M	0.2%	HOLD
60	EFAISHARES TR	15,673	$998,000	0.2%	TRIM −8%
61	UPSUNITED PARCEL SERVICE INC	5,945	$991,000	0.2%	TRIM −32%
62	VVISA INC	4,796	$959,000	0.2%	TRIM −11%
63	IBMINTERNATIONAL BUSINESS MACHS	7,794	$948,000	0.1%	TRIM −9%
64	PFEBINNOVATOR ETFS TRUST	36,518	$922,000	0.1%	ADD 3555%
65	SCHDSCHWAB STRATEGIC TR	16,655	$921,000	0.1%	HOLD
66	IOOIShares S&P Global 100 Index ETF	16,131	$908,000	0.1%	HOLD
67	PJUNINNOVATOR ETFS TRUST	30,269	$879,000	0.1%	HOLD
68	BACBANK AMERICA CORP	36,370	$876,000	0.1%	HOLD
69	PFEPFIZER INC	23,638	$868,000	0.1%	TRIM −6%
70	ABBVABBVIE INC	9,881	$866,000	0.1%	TRIM −5%
71	KOCOCA COLA CO	17,492	$864,000	0.1%	ADD 12%
72	PJANINNOVATOR ETFS TRUST	28,636	$840,000	0.1%	ADD 1230%
73	SUSAISHARES TR	5,691	$837,000	0.1%	TRIM −6%
74	TXNTEXAS INSTRS INC	5,769	$824,000	0.1%	TRIM −7%
75	VSGXVANGUARD WORLD FD	15,811	$816,000	0.1%	HOLD
76	ESGDISHARES TR	12,539	$796,000	0.1%	ADD 11%
77	GOOGALPHABET INC	539	$792,000	0.1%	ADD 7%
78	TAT&T INC	26,985	$769,000	0.1%	ADD 12%
79	UNPUNION PAC CORP	3,736	$736,000	0.1%	TRIM −9%
80	NULVNUSHARES ETF TR	24,677	$718,000	0.1%	ADD 35%
81	DUKDUKE ENERGY CORP NEW	8,071	$715,000	0.1%	ADD 3%
82	ITWILLINOIS TOOL WKS INC	3,497	$676,000	0.1%	HOLD
83	PAYXPAYCHEX INC	8,294	$662,000	0.1%	HOLD
84	XOMEXXON MOBIL CORP	18,730	$643,000	0.1%	HOLD
85	BRK.ABERKSHIRE HATHAWAY INC DEL	2	$640,000	0.1%	HOLD
86	SYKSTRYKER CORPORATION	3,014	$628,000	0.1%	TRIM −6%
87	SPYSTATE STR SPDR S&P 500 ETF T	1,846	$618,000	0.1%	TRIM −6%
88	VTIVANGUARD INDEX FDS	3,529	$601,000	0.1%	ADD 363%
89	IWFISHARES TR	2,749	$596,000	0.1%	HOLD
90	KMBKIMBERLY-CLARK CORP	3,874	$572,000	0.1%	TRIM −7%
91	BABOEING CO	3,353	$554,000	0.1%	HOLD
92	SCHASCHWAB STRATEGIC TR	7,518	$514,000	0.1%	TRIM −3%
93	MRKMERCK & CO INC	6,184	$513,000	0.1%	ADD 3%
94	QCOMQUALCOMM INC	4,289	$505,000	0.1%	TRIM −17%
95	PAUGINNOVATOR ETFS TRUST	18,360	$497,000	0.1%	NEW
96	IXUSISHARES TR	8,500	$496,000	0.1%	NEW
97	PMPHILIP MORRIS INTL INC	6,584	$494,000	0.1%	TRIM −25%
98	DHRDANAHER CORP DEL	2,247	$484,000	0.1%	TRIM −19%
99	COPCONOCOPHILLIPS	14,566	$478,000	0.1%	TRIM −2%
100	CSXCSX CORP	6,113	$475,000	0.1%	HOLD
101	CVSCVS HEALTH CORP	7,358	$430,000	0.1%	ADD 12%
102	PJULINNOVATOR ETFS TRUST	15,495	$429,000	0.1%	NEW
103	NVSNOVARTIS AG	4,860	$423,000	0.1%	HOLD
104	BMYBRISTOL-MYERS SQUIBB CO	6,971	$420,000	0.1%	TRIM −3%
105	IATISHARES TR	12,643	$414,000	0.1%	ADD 16%
106	MOALTRIA GROUP INC	10,525	$407,000	0.1%	TRIM −28%
107	BF.BBROWN FORMAN CORP	5,033	$379,000	0.1%	HOLD
108	PMAYINNOVATOR ETFS TRUST	13,524	$371,000	0.1%	HOLD
109	TGTTARGET CORP	2,291	$361,000	0.1%	TRIM −12%
110	OUNZVanEck Merk Gold Trust	19,562	$360,000	0.1%	HOLD
111	GLDSPDR GOLD TR	1,958	$347,000	0.1%	ADD 18%
112	ITOTISHARES TR	4,362	$329,000	0.1%	ADD 1222%
113	NTRSNORTHERN TR CORP	4,159	$324,000	0.1%	HOLD
114	VWOVANGUARD INTL EQUITY INDEX F	7,449	$322,000	0.1%	TRIM −2%
115	SHESPDR SERIES TRUST	4,135	$317,000	0.0%	HOLD
116	VTEBVANGUARD MUN BD FDS	5,699	$310,000	0.0%	HOLD
117	FASTFASTENAL CO	6,811	$307,000	0.0%	TRIM −7%
118	IVVISHARES TR	915	$307,000	0.0%	HOLD
119	IWRISHARES TR	5,281	$303,000	0.0%	ADD 291%
120	OTISOTIS WORLDWIDE CORP	4,825	$301,000	0.0%	TRIM −30%
121	CARRCARRIER GLOBAL CORPORATION	9,821	$300,000	0.0%	TRIM −28%
122	DEDEERE & CO	1,314	$291,000	0.0%	TRIM −20%
123	WALGREENS BOOTS ALLIANCE INC	8,039	$289,000	0.0%	HOLD
124	NSCNORFOLK SOUTHN CORP	1,268	$271,000	0.0%	HOLD
125	UNHUNITEDHEALTH GROUP INC	869	$271,000	0.0%	HOLD
126	CATCATERPILLAR INC	1,766	$263,000	0.0%	ADD 2%
127	MDLZMONDELEZ INTL INC	4,577	$263,000	0.0%	TRIM −4%
128	XLVSELECT SECTOR SPDR TR	2,431	$256,000	0.0%	HOLD
129	IXJISHARES TR	3,535	$254,000	0.0%	HOLD
130	AFLAFLAC INC	6,838	$249,000	0.0%	HOLD
131	EMREMERSON ELEC CO	3,763	$247,000	0.0%	HOLD
132	MINTPIMCO ETF TR	2,400	$245,000	0.0%	NEW
133	ENBENBRIDGE INC	7,961	$232,000	0.0%	NEW
134	CRMSALESFORCE INC	873	$219,000	0.0%	TRIM −39%
135	NEENEXTERA ENERGY INC	781	$217,000	0.0%	NEW
136	KMIKINDER MORGAN INC DEL	17,260	$213,000	0.0%	NEW
137	WFCWELLS FARGO CO NEW	9,067	$213,000	0.0%	TRIM −10%
138	NUEMNUSHARES ETF TR	7,268	$206,000	0.0%	HOLD
139	HONHONEYWELL INTL INC	1,223	$201,000	0.0%	NEW
140	AMCOR PLC	17,675	$195,000	0.0%	HOLD
141	VNQVANGUARD INDEX FDS	2,300	$182,000	0.0%	HOLD
142	IWBISHARES TR	965	$181,000	0.0%	HOLD
143	DSIISHARES TR	1,399	$179,000	0.0%	HOLD
144	VBVANGUARD INDEX FDS	1,149	$177,000	0.0%	ADD 25%
145	VISVANGUARD WORLD FD	1,180	$171,000	0.0%	ADD 36%
146	AGGISHARES TR	1,421	$168,000	0.0%	TRIM −8%
147	IBBISHARES TR	1,214	$164,000	0.0%	HOLD
148	VOOVANGUARD INDEX FDS	501	$154,000	0.0%	TRIM −29%
149	TESLA INC	25,000	$149,000	0.0%	HOLD
150	DGTSPDR SERIES TRUST	1,680	$138,000	0.0%	NEW
151	IVWISHARES TR	540	$125,000	0.0%	HOLD
152	IYMISHARES TR	1,247	$123,000	0.0%	HOLD
153	EFGISHARES TR	1,244	$112,000	0.0%	ADD 7%
154	IWVISHARES TR	560	$110,000	0.0%	HOLD
155	GEGENERAL ELECTRIC CO	17,002	$106,000	0.0%	HOLD
156	EEMISHARES TR	2,330	$103,000	0.0%	TRIM −4%
157	XTISHARES TR	2,117	$103,000	0.0%	ADD 474%
158	DVYISHARES TR	1,251	$102,000	0.0%	HOLD
159	POCTINNOVATOR S&P 500 POWER BUFFER ETF	3,834	$101,000	0.0%	NEW
160	SPTSSPDR SERIES TRUST	2,890	$89,000	0.0%	HOLD
161	NUMGNUSHARES ETF TR	2,093	$88,000	0.0%	HOLD
162	IEZISHARES TR	11,876	$86,000	0.0%	HOLD
163	MXIISHARES TR	1,220	$85,000	0.0%	NEW
164	XLISELECT SECTOR SPDR TR	1,049	$81,000	0.0%	ADD 38%
165	SCHXSCHWAB U.S. LARGE-CAP ETF	953	$77,000	0.0%	HOLD
166	UJANINNOVATOR ETFS TRUST	2,313	$66,000	0.0%	HOLD
167	VTVVANGUARD INDEX FDS	633	$66,000	0.0%	HOLD
168	IEFISHARES TR	495	$60,000	0.0%	ADD 99%
169	TIPISHARES TR	455	$58,000	0.0%	HOLD
170	VDCVANGUARD WORLD FD	313	$51,000	0.0%	HOLD
171	Ishares Ibonds Dec	1,983	$50,000	0.0%	HOLD
172	Ishares Ibonds Dec	2,009	$50,000	0.0%	HOLD
173	IJHISHARES TR	237	$44,000	0.0%	HOLD
174	EXIISHARES TR	475	$44,000	0.0%	HOLD
175	SPTMSPDR SERIES TRUST	1,017	$42,000	0.0%	NEW
176	XOPSPDR SERIES TRUST	983	$41,000	0.0%	NEW
177	IEOISHARES TR	1,441	$38,000	0.0%	HOLD
178	IWOISHARES TR	164	$36,000	0.0%	HOLD
179	XLKSELECT SECTOR SPDR TR	309	$36,000	0.0%	HOLD
180	SDYSPDR SER TR	384	$35,000	0.0%	NEW
181	IYRISHARES TR	432	$34,000	0.0%	HOLD
182	IYFISHARES TR	301	$34,000	0.0%	NEW
183	VBKVANGUARD INDEX FDS	149	$32,000	0.0%	HOLD
184	MGCVanguard Mega Cap ETF	238	$29,000	0.0%	HOLD
185	BILSPDR SERIES TRUST	273	$25,000	0.0%	HOLD
186	BLVVANGUARD BD INDEX FDS	228	$25,000	0.0%	HOLD
187	BONDPIMCO ETF TR	201	$23,000	0.0%	NEW
188	SCHRSCHWAB STRATEGIC TR	374	$22,000	0.0%	HOLD
189	EJULINNOVATOR EMERGING MARKETS POWER BUFFER ETF - JULY	803	$20,000	0.0%	HOLD
190	MBBISHARES TR	167	$18,000	0.0%	NEW
191	VBRVANGUARD INDEX FDS	162	$18,000	0.0%	HOLD
192	IGSBISHARES TR	279	$15,000	0.0%	HOLD
193	MGKVanguard Mega Cap Growth ETF	69	$13,000	0.0%	HOLD
194	VOVANGUARD INDEX FDS	69	$12,000	0.0%	TRIM −20%
195	SCHZSCHWAB STRATEGIC TR	193	$11,000	0.0%	TRIM −12%
196	ESGVVanguard ESG US Stock - ETF	175	$11,000	0.0%	ADD 400%
197	VFHVANGUARD WORLD FD	146	$9,000	0.0%	NEW
198	MUBISHARES TR	52	$6,000	0.0%	HOLD
199	TSLATESLA INC	15	$6,000	0.0%	ADD 650%
200	TLTISHARES TR	29	$5,000	0.0%	HOLD

showing the top 200 by weight

☆Stearns Financial Services Group