FINANCIAL CONSULATE, INC

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CIK 1624510

13F portfolio (2026-Q1)

$803M

Positions

1,402

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2025-Q4. 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 (2026-Q1)

Holdings

1401

Top 5

45.0%

Top 10

64.5%

Effective N

16.4

HHI

0.061

This quarter

173 new · 0 exit →

By sector

Unclassified85.3%

Information Technology4.6%

Consumer Discretionary1.9%

Financials1.7%

Industrials1.7%

Consumer Staples1.3%

Health Care1.2%

Communication Services0.8%

Other1.5%

By market cap

Unknown85.7%

Mega (>$200B)7.2%

Large ($10–200B)5.4%

Mid ($2–10B)1.5%

Small ($300M–2B)0.2%

Micro (<$300M)0.1%

By region

Other85.3%

North America14.5%

Europe0.2%

Asia-Pacific0.1%

Middle East0.0%

Africa0.0%

Latin America0.0%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	85.39%	313
Technology Hardware & Equipment	2.80%	37
Food Products	1.20%	17
Semiconductors & Semiconductor Equipment	0.94%	43
Automobiles & Components	0.89%	19
Specialty Retail	0.85%	36
Banks	0.76%	88
Pharmaceuticals & Biotechnology	0.64%	60
Software	0.64%	47
Aerospace & Defense	0.63%	18
Software & IT Services	0.62%	44
Commercial Services & Supplies	0.50%	41
Machinery	0.44%	47
Utilities	0.44%	61
Life Sciences Tools & Services	0.42%	8
Oil, Gas & Consumable Fuels	0.41%	44
Capital Markets	0.32%	36
Insurance	0.28%	44
Chemicals	0.26%	35
Road & Rail	0.21%	12
Metals & Mining	0.18%	50
Electrical Equipment & Components	0.12%	7
Hotels, Restaurants & Leisure	0.11%	22
Diversified Telecommunication Services	0.11%	18
Health Care Equipment & Supplies	0.11%	24
Beverages	0.10%	11
Media & Entertainment	0.10%	15
Equity Real Estate Investment Trusts (REITs)	0.08%	56
Distributors	0.05%	15
Real Estate Management & Development	0.05%	13
Paper & Forest Products	0.04%	8
Construction & Engineering	0.04%	16
Communications Equipment	0.04%	10
Construction Materials	0.04%	5
Marine	0.03%	8
Tobacco	0.02%	3
Entertainment	0.02%	4
Food & Staples Retailing	0.02%	4
Professional Services	0.01%	8
Textiles, Apparel & Luxury Goods	0.01%	12
Coal & Consumable Fuels	0.01%	3
Airlines	0.01%	9
Agricultural Products	0.01%	1
Health Care Providers & Services	0.00%	10
Household Durables	0.00%	4
Media & Publishing	0.00%	5
Leisure Products	0.00%	6
Transportation Infrastructure	0.00%	3
Diversified Consumer Services	0.00%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	SCHX	SCHWAB U.S. LARGE-CAP ETF	Unclassified	16.59%
2	DUHP	DIMENSIONAL ETF TRUST	Unclassified	9.34%
3	MFDX	PIMCO EQUITY SER	Unclassified	8.37%
4	SCHF	SCHWAB STRATEGIC TR	Unclassified	5.72%
5	DIHP	DIMENSIONAL ETF TRUST	Unclassified	4.96%
6	SHV	ISHARES TR	Unclassified	4.52%
7	VTIP	VANGUARD MALVERN FDS	Unclassified	4.39%
8	DFAS	DIMENSIONAL ETF TRUST	Unclassified	3.75%
9	FNDB	Schwab Fundamental US Broad Market ETF	Unclassified	3.52%
10	SHY	ISHARES TR	Unclassified	3.33%

1092/1401 names classified · sector 14.7% of weight · industry 14.6% · mkt cap 14.3%; unclassified names shown, never dropped.

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

top 5/sector, rest → “Other” · 46 quarters

Information TechnologyAAPL, MSFT, ITRI, DOCU, GE · other

Consumer StaplesMKC, CPB, PEP, HSY, KO · other

Consumer DiscretionaryHMC, PATK, MCD, BRC, MOD · other

Health CareTXG, JNJ, MRK, ISRG, ABBV · other

FinancialsALLY, PNC, BRK.B, ACNB, V · other

IndustrialsLMT, UPS, CSX, RTX, SPGI · other

Communication ServicesT, VZ, GOOG, GOOGL, META · other

MaterialsPG, KMB, ATI, GLW, VMC · other

EnergyXOM, BTU, CVX, SLB, EGY · other

UtilitiesEXC, DUK, CEG, D, PPL · other

Real EstateAMT, CBRE, SBAC, OHI, LAMR · other

UnclassifiedSCHX, SCHF, SCHB, MFDX, SCHO · 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: 14.7% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2026-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 13% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (730 classified)FINANCIAL CONSULATE, INC centroid (Large Core)

Information TechnologyConsumer DiscretionaryIndustrialsFinancialsConsumer StaplesCommunication ServicesHealth CareMaterialsUtilitiesEnergyReal Estate

Style box summary for FINANCIAL CONSULATE, INC: centroid Large Core. Heaviest cells: Large Core 4.6%, Large Growth 3.1%, Large Value 1.8%.

Classified: 13.4% of book weight (730/1391 names) · unclassified 86.6%: SCHX, DUHP, MFDX, SCHF, DIHP, SHV, VTIP, DFAS, FNDB, SHY +651 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· 1,402 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	SCHXSCHWAB U.S. LARGE-CAP ETF	5,192,173	$133M	16.6%	HOLD
2	DUHPDIMENSIONAL ETF TRUST	2,038,669	$75M	9.3%	ADD 3%
3	MFDXPIMCO EQUITY SER	1,686,385	$67M	8.4%	HOLD
4	SCHFSCHWAB STRATEGIC TR	1,854,408	$46M	5.7%	HOLD
5	DIHPDIMENSIONAL ETF TRUST	1,236,578	$40M	5.0%	ADD 3%
6	SHVISHARES TR	328,716	$36M	4.5%	NEW
7	VTIPVANGUARD MALVERN FDS	705,949	$35M	4.4%	ADD 27%
8	DFASDIMENSIONAL ETF TRUST	422,592	$30M	3.7%	HOLD
9	FNDBSchwab Fundamental US Broad Market ETF	1,039,540	$28M	3.5%	HOLD
10	SHYISHARES TR	323,277	$27M	3.3%	NEW
11	FLQMFranklin Templeton Mid Cap MultiFact Index	376,016	$21M	2.6%	HOLD
12	AAPLAPPLE INC	77,287	$20M	2.4%	HOLD
13	PULSPGIM ETF TR	395,811	$20M	2.4%	ADD 72%
14	FNDESCHWAB STRATEGIC TR	453,683	$17M	2.2%	ADD 3%
15	TCAFT. ROWE PRICE CAPITAL APPRECIATION EQUITY ETF	443,936	$16M	2.0%	HOLD
16	MFUSPIMCO EQUITY SER	263,494	$15M	1.9%	ADD 246%
17	SCHDSCHWAB STRATEGIC TR	413,529	$13M	1.6%	TRIM −48%
18	FNDFSCHWAB STRATEGIC TR	241,299	$12M	1.5%	ADD 3%
19	MKCMCCORMICK & CO INC	183,487	$9M	1.2%	HOLD
20	GMFSPDR INDEX SHS FDS	67,381	$9M	1.1%	HOLD
21	PATKPATRICK INDS INC	52,645	$6M	0.7%	HOLD
22	SPGMSPDR INDEX SHS FDS	67,103	$5M	0.6%	ADD 50%
23	NVDANVIDIA CORPORATION	27,348	$5M	0.6%	HOLD
24	VOOVANGUARD INDEX FDS	6,418	$4M	0.5%	ADD 7%
25	TXG10X GENOMICS INC	156,457	$3M	0.4%	HOLD
26	MSFTMICROSOFT CORP	8,080	$3M	0.4%	TRIM −3%
27	SCHBSCHWAB STRATEGIC TR	106,928	$3M	0.3%	TRIM −3%
28	PNCPNC FINL SVCS GROUP INC	12,426	$3M	0.3%	HOLD
29	DFATDIMENSIONAL ETF TRUST	41,354	$3M	0.3%	HOLD
30	IVVISHARES TR	3,950	$3M	0.3%	ADD 5%
31	AMZNAMAZON COM INC	11,340	$2M	0.3%	TRIM −4%
32	GOOGALPHABET INC	7,774	$2M	0.3%	ADD 6%
33	LMTLOCKHEED MARTIN CORP	3,362	$2M	0.3%	HOLD
34	GOOGLALPHABET INC	6,155	$2M	0.2%	HOLD
35	CATCATERPILLAR INC	2,257	$2M	0.2%	HOLD
36	SCHGSCHWAB U.S. LARGE-CAP GROWTH ETF	53,093	$2M	0.2%	TRIM −9%
37	RTXRTX CORPORATION	7,257	$1M	0.2%	TRIM −7%
38	VGTVANGUARD WORLD FD	1,999	$1M	0.2%	HOLD
39	XOMEXXON MOBIL CORP	7,743	$1M	0.2%	TRIM −21%
40	COSTCOSTCO WHSL CORP NEW	1,250	$1M	0.2%	HOLD
41	JPMJPMORGAN CHASE & CO	4,095	$1M	0.2%	HOLD
42	MAMASTERCARD INCORPORATED	2,294	$1M	0.1%	TRIM −10%
43	LLYELI LILLY & CO	1,245	$1M	0.1%	HOLD
44	CWISPDR INDEX SHS FDS	29,613	$1M	0.1%	HOLD
45	PGPROCTER AND GAMBLE CO	7,430	$1M	0.1%	TRIM −3%
46	SCHWSCHWAB CHARLES CORP	11,221	$1M	0.1%	HOLD
47	ITOTISHARES TR	7,293	$1M	0.1%	HOLD
48	BRK.BBERKSHIRE HATHAWAY INC DEL	2,166	$1M	0.1%	HOLD
49	TSLATESLA INC	2,779	$1M	0.1%	ADD 7%
50	CEGCONSTELLATION ENERGY CORP	3,552	$991,812	0.1%	HOLD
51	UPSUNITED PARCEL SERVICE INC	9,887	$972,685	0.1%	HOLD
52	MGP INGREDIENTS INC NEW	994,000	$958,787	0.1%	HOLD
53	FASTFASTENAL CO	20,547	$953,381	0.1%	HOLD
54	BLACKSTONE MORTGAGE TRUST IN	954,000	$947,576	0.1%	HOLD
55	SAREPTA THERAPEUTICS INC	999,000	$920,319	0.1%	NEW
56	MRKMERCK & CO INC	7,558	$909,123	0.1%	TRIM −13%
57	PEBBLEBROOK HOTEL TR	894,000	$881,765	0.1%	HOLD
58	JNJJOHNSON & JOHNSON	3,524	$861,512	0.1%	ADD 5%
59	SCHASCHWAB STRATEGIC TR	28,364	$824,829	0.1%	ADD 194%
60	TJXTJX COS INC NEW	4,987	$796,480	0.1%	TRIM −21%
61	CVXCHEVRON CORP NEW	3,762	$778,383	0.1%	HOLD
62	MCDMCDONALDS CORP	2,492	$774,488	0.1%	ADD 6%
63	BRK.ABERKSHIRE HATHAWAY INC DEL	1	$718,140	0.1%	HOLD
64	SCHMSCHWAB STRATEGIC TR	22,981	$711,504	0.1%	HOLD
65	VVISA INC	2,277	$688,137	0.1%	TRIM −21%
66	VTIVANGUARD INDEX FDS	2,126	$682,202	0.1%	ADD 3%
67	HDHOME DEPOT INC	2,035	$669,428	0.1%	TRIM −4%
68	ABBVABBVIE INC	3,069	$667,458	0.1%	ADD 2%
69	CSXCSX CORP	15,956	$654,994	0.1%	HOLD
70	DOCUDOCUSIGN INC	13,782	$653,405	0.1%	TRIM −2%
71	MLCIMOUNT LOGAN CAP INC	174,957	$626,381	0.1%	TRIM −7%
72	HPEHEWLETT PACKARD ENTERPRISE C	26,305	$626,321	0.1%	TRIM −3%
73	SNAP INC	655,000	$617,676	0.1%	HOLD
74	Rocket Cos Inc - US	592,000	$567,170	0.1%	TRIM −3%
75	EXCEXELON CORP	11,557	$566,546	0.1%	ADD 2%
76	METAMETA PLATFORMS INC	971	$555,590	0.1%	ADD 9%
77	BANDWIDTH INC	612,000	$544,685	0.1%	TRIM −45%
78	VISVANGUARD WORLD FD	1,656	$517,171	0.1%	HOLD
79	IBMINTERNATIONAL BUSINESS MACHS	2,131	$516,480	0.1%	HOLD
80	TAT&T INC	17,427	$505,217	0.1%	TRIM −20%
81	LRCXLAM RESEARCH CORP	2,254	$481,594	0.1%	ADD 4%
82	PEPPEPSICO INC	3,062	$475,565	0.1%	TRIM −11%
83	BNDXVANGUARD CHARLOTTE FDS	9,736	$467,815	0.1%	TRIM −8%
84	URIUNITED RENTALS INC	636	$463,365	0.1%	HOLD
85	IWFISHARES TR	1,036	$441,751	0.1%	TRIM −3%
86	XLYSELECT SECTOR SPDR TR	4,038	$440,112	0.1%	HOLD
87	SCHZSCHWAB STRATEGIC TR	18,718	$434,632	0.1%	TRIM −3%
88	DHRDANAHER CORP DEL	2,290	$434,255	0.1%	TRIM −31%
89	EGYVAALCO ENERGY INC	66,900	$424,146	0.1%	HOLD
90	HEI.AHEICO CORP NEW	1,965	$414,792	0.1%	TRIM −24%
91	ASMLASML HOLDING N V	303	$400,212	0.0%	TRIM −28%
92	LINLINDE PLC	793	$393,108	0.0%	HOLD
93	UBERUBER TECHNOLOGIES INC	5,417	$389,645	0.0%	TRIM −31%
94	ISRGINTUITIVE SURGICAL INC	835	$384,927	0.0%	TRIM −12%
95	AVGOBROADCOM INC	1,240	$383,871	0.0%	ADD 74%
96	MRSHMARSH & MCLENNAN COS INC	2,210	$383,325	0.0%	HOLD
97	MPWRMONOLITHIC PWR SYS INC	350	$382,673	0.0%	TRIM −34%
98	TSMTAIWAN SEMICONDUCTOR MFG LTD	1,126	$380,423	0.0%	ADD 47%
99	SPECTRUM BRANDS INC	378,000	$376,224	0.0%	HOLD
100	CORCENCORA INC	1,177	$369,743	0.0%	HOLD
101	AGGISHARES TR	3,683	$365,612	0.0%	TRIM −29%
102	HONHONEYWELL INTL INC	1,613	$364,540	0.0%	ADD 4%
103	BEBLOOM ENERGY CORP	2,608	$353,358	0.0%	HOLD
104	SCCOSOUTHERN COPPER CORP	2,030	$349,281	0.0%	HOLD
105	LHXL3HARRIS TECHNOLOGIES INC	999	$344,805	0.0%	HOLD
106	VHTVANGUARD WORLD FD	1,260	$343,234	0.0%	HOLD
107	MUMICRON TECHNOLOGY INC	1,011	$341,610	0.0%	ADD 20%
108	TDGTRANSDIGM GROUP INC	294	$340,735	0.0%	TRIM −21%
109	GLDSPDR GOLD TR	735	$316,264	0.0%	ADD 25%
110	GSGOLDMAN SACHS GROUP INC	373	$315,734	0.0%	HOLD
111	WSBCWESBANCO INC	9,127	$314,791	0.0%	HOLD
112	VMCVULCAN MATLS CO	1,137	$309,606	0.0%	TRIM −30%
113	NFLXNETFLIX INC	3,210	$308,642	0.0%	TRIM −14%
114	VZVERIZON COMMUNICATIONS INC	6,117	$307,081	0.0%	HOLD
115	AMEAMETEK INC	1,404	$300,962	0.0%	HOLD
116	CBRECBRE GROUP INC	2,201	$298,148	0.0%	TRIM −23%
117	IJRISHARES TR	2,391	$297,205	0.0%	TRIM −30%
118	UNHUNITEDHEALTH GROUP INC	1,094	$296,026	0.0%	HOLD
119	AMDADVANCED MICRO DEVICES INC	1,396	$283,989	0.0%	ADD 4%
120	KOCOCA COLA CO	3,698	$281,432	0.0%	ADD 3%
121	AXPAMERICAN EXPRESS CO	890	$269,329	0.0%	HOLD
122	TRGPTARGA RES CORP	1,061	$266,025	0.0%	ADD 5%
123	GEGE AEROSPACE	936	$265,486	0.0%	HOLD
124	CSCOCISCO SYS INC	3,371	$261,579	0.0%	HOLD
125	WMTWALMART INC	2,094	$260,208	0.0%	ADD 8%
126	DUKDUKE ENERGY CORP NEW	1,950	$255,388	0.0%	HOLD
127	RPGINVESCO EXCHANGE TRADED FD T	5,429	$253,757	0.0%	HOLD
128	MCOMOODYS CORP	579	$252,417	0.0%	TRIM −24%
129	GEVGE VERNOVA INC	288	$251,546	0.0%	ADD 10%
130	SPYMSPDR SERIES TRUST	3,205	$245,311	0.0%	TRIM −33%
131	ABTABBOTT LABS	2,375	$243,841	0.0%	ADD 2%
132	TFCTRUIST FINL CORP	5,141	$236,326	0.0%	HOLD
133	WCNWASTE CONNECTIONS INC	1,436	$233,264	0.0%	TRIM −32%
134	RCLROYAL CARIBBEAN GROUP	834	$229,591	0.0%	ADD 2%
135	INTCINTEL CORP	5,188	$228,958	0.0%	ADD 24%
136	ALLALLSTATE CORP	1,098	$227,662	0.0%	HOLD
137	KMBKIMBERLY-CLARK CORP	2,351	$226,801	0.0%	TRIM −4%
138	AEPAMERICAN ELEC PWR CO INC	1,708	$223,862	0.0%	HOLD
139	BACBANK AMERICA CORP	4,560	$222,312	0.0%	ADD 11%
140	TXTTEXTRON INC	2,531	$221,615	0.0%	HOLD
141	SPYGSPDR SERIES TRUST STATE STREET SPD	2,215	$216,871	0.0%	TRIM −30%
142	VPLVANGUARD INTL EQUITY INDEX F	2,181	$213,186	0.0%	ADD 28%
143	GWREGUIDEWIRE SOFTWARE INC	1,425	$213,123	0.0%	TRIM −4%
144	VGKVANGUARD INTL EQUITY INDEX F	2,577	$212,412	0.0%	ADD 25%
145	CDNSCADENCE DESIGN SYSTEM INC	749	$208,125	0.0%	TRIM −44%
146	QQQINVESCO QQQ TR	360	$207,909	0.0%	ADD 4%
147	VCSHVANGUARD SCOTTSDALE FDS	2,621	$207,767	0.0%	ADD 53%
148	VIGVANGUARD SPECIALIZED FUNDS	961	$206,586	0.0%	HOLD
149	AXSMAXSOME THERAPEUTICS INC.	1,217	$205,698	0.0%	HOLD
150	IGIBISHARES TR	3,739	$198,990	0.0%	ADD 12%
151	NEENEXTERA ENERGY INC	2,068	$192,081	0.0%	ADD 8%
152	NOWSERVICENOW INC	1,809	$189,131	0.0%	TRIM −43%
153	WMWASTE MGMT INC DEL	820	$188,494	0.0%	HOLD
154	HSYHERSHEY CO	907	$188,478	0.0%	HOLD
155	AFLAFLAC INC	1,714	$188,043	0.0%	HOLD
156	MTBM & T BK CORP	892	$184,386	0.0%	HOLD
157	MSIMOTOROLA SOLUTIONS INC	419	$181,835	0.0%	TRIM −33%
158	ECLECOLAB INC	680	$180,895	0.0%	TRIM −37%
159	XLESELECT SECTOR SPDR TR	2,867	$175,633	0.0%	HOLD
160	MKC.VMCCORMICK & CO INC	3,482	$175,424	0.0%	HOLD
161	BDXBECTON DICKINSON & CO	1,115	$175,312	0.0%	HOLD
162	AZNASTRAZENECA PLC	873	$172,174	0.0%	NEW
163	OHIOMEGA HEALTHCARE INVS INC	3,847	$168,558	0.0%	HOLD
164	GLREGREENLIGHT CAPITAL RE LTD	9,736	$168,336	0.0%	HOLD
165	ADXADAMS DIVERSIFIED EQUITY FD	7,662	$167,716	0.0%	TRIM −38%
166	SHWSHERWIN WILLIAMS CO	513	$164,443	0.0%	TRIM −47%
167	WTSWATTS WATER TECHNOLOGIES INC	550	$159,660	0.0%	HOLD
168	IJTISHARES TR	1,073	$155,274	0.0%	HOLD
169	BXBLACKSTONE INC	1,349	$155,122	0.0%	HOLD
170	CATHGLOBAL X FDS	1,977	$154,503	0.0%	HOLD
171	OMCOMNICOM GROUP INC	2,049	$154,311	0.0%	ADD 2%
172	DISDISNEY WALT CO	1,591	$153,310	0.0%	HOLD
173	SLVISHARES SILVER TR	2,227	$151,748	0.0%	ADD 53%
174	FDNFIRST TR EXCHANGE-TRADED FD	647	$151,418	0.0%	HOLD
175	IWYISHARES TR	606	$150,798	0.0%	HOLD
176	DEDEERE & CO	260	$146,462	0.0%	ADD 4%
177	METMETLIFE INC	2,058	$145,552	0.0%	HOLD
178	VFHVANGUARD WORLD FD	1,184	$143,040	0.0%	HOLD
179	VEEVVEEVA SYS INC	814	$142,988	0.0%	TRIM −54%
180	SFSTIFEL FINL CORP	1,864	$137,787	0.0%	ADD 50%
181	VEAVANGUARD TAX-MANAGED FDS	2,114	$135,437	0.0%	HOLD
182	MUBISHARES TR	1,275	$135,342	0.0%	ADD 5971%
183	CARRCARRIER GLOBAL CORPORATION	2,402	$135,257	0.0%	TRIM −19%
184	AMGNAMGEN INC	374	$131,641	0.0%	ADD 7%
185	LAMRLAMAR ADVERTISING CO	1,037	$131,363	0.0%	HOLD
186	SLYGSPDR SERIES TRUST	1,354	$130,792	0.0%	TRIM −39%
187	ECGEVERUS CONSTR GROUP	1,100	$129,866	0.0%	HOLD
188	IBITISHARES BITCOIN TRUST ETF	3,341	$128,362	0.0%	ADD 6%
189	FNBF N B CORP	7,675	$128,326	0.0%	HOLD
190	OEFISHARES TR	392	$124,684	0.0%	HOLD
191	MTGMGIC INVT CORP WIS	4,744	$124,530	0.0%	HOLD
192	MMM3M CO	857	$124,405	0.0%	TRIM −27%
193	MGKVanguard Mega Cap Growth ETF	337	$123,828	0.0%	HOLD
194	DFUVDIMENSIONAL ETF TRUST	2,535	$122,847	0.0%	HOLD
195	LQDISHARES TR	1,126	$122,723	0.0%	HOLD
196	DDOMINION ENERGY INC	1,967	$121,586	0.0%	ADD 12%
197	COFCAPITAL ONE FINL CORP	663	$120,913	0.0%	HOLD
198	CRSCARPENTER TECHNOLOGY CORP	300	$118,245	0.0%	HOLD
199	LENLENNAR CORP	1,344	$116,731	0.0%	ADD 5%
200	TRVTRAVELERS COMPANIES INC	400	$116,672	0.0%	ADD 8%

showing the top 200 by weight

Position trends· top 15 holdings · shares held over 6 quarters

green added · red trimmed

Security

2024-Q4

2025-Q1

2025-Q2

2025-Q3

2025-Q4

2026-Q1

Latest value

SCHXSCHWAB U.S. LARGE-CAP ETF

3.8M

4.1M

4.7M

5.1M

5.2M

$133M

DUHPDIMENSIONAL ETF TRUST

1.0M

895K

1.9M

2.0M

$75M

MFDXPIMCO EQUITY SER

1.2M

1.9M

1.6M

1.7M

$67M

SCHFSCHWAB STRATEGIC TR

2.7M

1.9M

1.8M

1.9M

$46M

DIHPDIMENSIONAL ETF TRUST

—

833K

1.2M

$40M

SHVISHARES TR

—

329K

$36M

VTIPVANGUARD MALVERN FDS

435K

448K

468K

493K

558K

706K

$35M

DFASDIMENSIONAL ETF TRUST

—

355K

398K

417K

424K

423K

$30M

FNDBSchwab Fundamental US Broad Market ETF

1.6M

1.4M

1.2M

1.0M

$28M

SHYISHARES TR

—

323K

$27M

FLQMFranklin Templeton Mid Cap MultiFact Index

319K

333K

360K

364K

380K

376K

$21M

AAPLAPPLE INC

—

79K

78K

77K

$20M

PULSPGIM ETF TR

118K

117K

119K

250K

230K

396K

$20M

FNDESCHWAB STRATEGIC TR

—

442K

454K

$17M

TCAFT. ROWE PRICE CAPITAL APPRECIATION EQUITY ETF

525K

520K

515K

456K

442K

444K

$16M

Shares reported each quarter by the largest current holdings. Green = added vs the prior filing of that name, red = trimmed, grey = roughly held; a dash is a quarter with no 13F on file (a gap is skipped, not read as an exit). 13F is filed up to 45 days after quarter-end. Up to 40 quarters (10 years) available — use the selector above.

☆FINANCIAL CONSULATE, INC

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

Exposures · what this manager owns, by sector & size (2026-Q1)

By sector

By market cap

By region

By industry group GICS — finer than sector

Top holdings

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

Style box · size × value-growth placement of the reported book (2026-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Contribution holdings-based, any period

Holdings· 1,402 positions (2026-Q1) · largest first · Δ vs 2025-Q4

Position trends· top 15 holdings · shares held over 6 quarters

FINANCIAL CONSULATE, INC