OLIO Financial Planning

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CIK 1906766

13F portfolio (2026-Q1)

$361M

Positions

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

Top 5

73.0%

Top 10

87.7%

Effective N

8.6

HHI

0.117

This quarter

2 new · 0 exit →

By sector

Unclassified96.0%

Information Technology1.4%

Industrials0.6%

Financials0.6%

Consumer Discretionary0.4%

Communication Services0.3%

Energy0.2%

Utilities0.2%

Other0.4%

By market cap

Unknown96.1%

Mega (>$200B)2.7%

Large ($10–200B)0.8%

Mid ($2–10B)0.2%

Small ($300M–2B)0.1%

Micro (<$300M)0.0%

By region

Other96.0%

North America3.9%

Europe0.1%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	96.24%	41
Technology Hardware & Equipment	0.79%	1
Software & IT Services	0.44%	6
Specialty Retail	0.35%	3
Semiconductors & Semiconductor Equipment	0.35%	3
Oil, Gas & Consumable Fuels	0.21%	2
Road & Rail	0.20%	2
Professional Services	0.18%	1
Utilities	0.17%	2
Banks	0.16%	1
Health Care Equipment & Supplies	0.15%	1
Insurance	0.14%	1
Software	0.13%	1
Aerospace & Defense	0.12%	1
Chemicals	0.11%	1
Real Estate Management & Development	0.09%	1
Commercial Services & Supplies	0.09%	1
Food & Staples Retailing	0.07%	1
Equity Real Estate Investment Trusts (REITs)	0.02%	1
Metals & Mining	0.01%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	VTV	VANGUARD INDEX FDS	Unclassified	17.93%
2	DFUS	DIMENSIONAL ETF TRUST	Unclassified	17.34%
3	VEA	VANGUARD TAX-MANAGED FDS	Unclassified	14.52%
4	FBND	FIDELITY TOTAL BOND ETF	Unclassified	12.87%
5	VTI	VANGUARD INDEX FDS	Unclassified	10.37%
6	VOE	VANGUARD INDEX FDS	Unclassified	5.07%
7	DFAT	DIMENSIONAL ETF TRUST	Unclassified	3.98%
8	VEU	VANGUARD INTL EQUITY INDEX F	Unclassified	3.03%
9	SCHD	SCHWAB STRATEGIC TR	Unclassified	1.32%
10	VTEB	VANGUARD MUN BD FDS	Unclassified	1.23%

32/72 names classified · sector 4.0% of weight · industry 3.8% · mkt cap 3.9%; unclassified names shown, never dropped.

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

top 5/sector, rest → “Other” · 18 quarters

Information TechnologyAAPL, MSFT, TENB, DHR, NVDA · other

IndustrialsBAH, MCO, RTX, NSC, BWMN · other

FinancialsBRK.B, JPM, AEG, MKL, NKSH

Consumer DiscretionaryAMZN, TSLA, COST, WMT, F

Real EstateGOOD, LOAN

Communication ServicesGOOG, META, GOOGL, NFLX

UtilitiesD, AEP

Health Care

EnergyXOM, CVX

MaterialsCSL, NAK

Consumer Staples

UnclassifiedVTI, VTV, VEA, DFUS, VEU · 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: 4.0% 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 4% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (28 classified)OLIO Financial Planning centroid (Large Core)

Information TechnologyIndustrialsConsumer DiscretionaryCommunication ServicesEnergyUtilitiesFinancialsHealth CareMaterialsReal EstateConsumer Staples

Style box summary for OLIO Financial Planning: centroid Large Core. Heaviest cells: Large Growth 2.2%, Large Core 0.3%, Large Value 0.3%.

Classified: 3.6% of book weight (28/72 names) · unclassified 96.4%: VTV, DFUS, VEA, FBND, VTI, VOE, DFAT, VEU, SCHD, VTEB +34 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· 72 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	VTVVANGUARD INDEX FDS	329,930	$65M	17.9%	HOLD
2	DFUSDIMENSIONAL ETF TRUST	882,588	$63M	17.3%	ADD 3%
3	VEAVANGUARD TAX-MANAGED FDS	818,156	$52M	14.5%	HOLD
4	FBNDFIDELITY TOTAL BOND ETF	1,018,206	$46M	12.9%	ADD 4%
5	VTIVANGUARD INDEX FDS	116,729	$37M	10.4%	HOLD
6	VOEVANGUARD INDEX FDS	99,296	$18M	5.1%	HOLD
7	DFATDIMENSIONAL ETF TRUST	230,282	$14M	4.0%	HOLD
8	VEUVANGUARD INTL EQUITY INDEX F	145,683	$11M	3.0%	HOLD
9	SCHDSCHWAB STRATEGIC TR	155,478	$5M	1.3%	TRIM −2%
10	VTEBVANGUARD MUN BD FDS	88,724	$4M	1.2%	ADD 4%
11	SPEMSPDR INDEX SHS FDS	67,973	$3M	0.9%	HOLD
12	VBRVANGUARD INDEX FDS	13,636	$3M	0.8%	TRIM −3%
13	AAPLAPPLE INC	11,188	$3M	0.8%	ADD 8%
14	SPSBSPDR SERIES TRUST	78,632	$2M	0.7%	ADD 3%
15	ESGDISHARES TR	22,605	$2M	0.6%	HOLD
16	VWOVANGUARD INTL EQUITY INDEX F	39,523	$2M	0.6%	TRIM −3%
17	VXUSVANGUARD STAR FDS	25,118	$2M	0.5%	ADD 10%
18	VOOVANGUARD INDEX FDS	2,505	$1M	0.4%	ADD 83%
19	ESGUISHARES TR	10,282	$1M	0.4%	HOLD
20	VOVANGUARD INDEX FDS	4,577	$1M	0.4%	TRIM −6%
21	SCHESCHWAB STRATEGIC TR	38,742	$1M	0.4%	TRIM −3%
22	JMSTJ P MORGAN EXCHANGE TRADED F	19,505	$994,365	0.3%	ADD 5%
23	BRK.BBERKSHIRE HATHAWAY INC DEL	1,913	$916,710	0.3%	HOLD
24	EMXCISHARES INC	11,034	$867,935	0.2%	TRIM −9%
25	ESGEISHARES INC	19,056	$866,477	0.2%	HOLD
26	SPTMSPDR SERIES TRUST	10,142	$801,827	0.2%	HOLD
27	NVDANVIDIA CORPORATION	4,427	$771,984	0.2%	ADD 16%
28	AMZNAMAZON COM INC	3,535	$736,235	0.2%	TRIM −8%
29	GLDSPDR GOLD TR	1,619	$696,640	0.2%	HOLD
30	BAHBOOZ ALLEN HAMILTON HLDG COR	8,160	$636,725	0.2%	ADD 21%
31	QQQINVESCO QQQ TR	1,084	$625,664	0.2%	HOLD
32	SCHBSCHWAB STRATEGIC TR	24,779	$621,946	0.2%	HOLD
33	JPMJPMORGAN CHASE & CO	2,015	$592,658	0.2%	HOLD
34	ISRGINTUITIVE SURGICAL INC	1,175	$541,664	0.2%	HOLD
35	ESMLISHARES TR	11,143	$523,944	0.1%	HOLD
36	MUBISHARES TR	4,915	$521,728	0.1%	HOLD
37	AEGAEGON LTD	71,009	$515,526	0.1%	HOLD
38	NSCNORFOLK SOUTHN CORP	1,653	$474,366	0.1%	HOLD
39	MSFTMICROSOFT CORP	1,277	$472,530	0.1%	ADD 6%
40	IVVISHARES TR	650	$424,483	0.1%	TRIM −22%
41	RTXRTX CORPORATION	2,155	$415,700	0.1%	TRIM −5%
42	DDOMINION ENERGY INC	6,560	$405,527	0.1%	HOLD
43	ITOTISHARES TR	2,847	$405,447	0.1%	TRIM −12%
44	GOOGALPHABET INC	1,394	$399,780	0.1%	ADD 5%
45	CSLCARLISLE COS INC	1,196	$399,010	0.1%	HOLD
46	XOMEXXON MOBIL CORP	2,256	$382,753	0.1%	TRIM −22%
47	METAMETA PLATFORMS INC	639	$365,557	0.1%	TRIM −8%
48	CVXCHEVRON CORP NEW	1,728	$357,524	0.1%	HOLD
49	SPDWSPDR INDEX SHS FDS	7,781	$355,203	0.1%	HOLD
50	GOOGLALPHABET INC	1,232	$354,329	0.1%	ADD 19%
51	SUSAISHARES TR	2,547	$336,459	0.1%	HOLD
52	GOODGLADSTONE COMMERCIAL CORP	29,050	$332,042	0.1%	HOLD
53	MCOMOODYS CORP	711	$310,118	0.1%	ADD 24%
54	XLKSELECT SECTOR SPDR TR	2,272	$301,949	0.1%	HOLD
55	COSTCOSTCO WHSL CORP NEW	279	$277,723	0.1%	HOLD
56	SPYSTATE STR SPDR S&P 500 ETF T	426	$277,020	0.1%	HOLD
57	AMATAPPLIED MATLS INC	775	$264,888	0.1%	NEW
58	WMTWALMART INC	2,022	$251,311	0.1%	HOLD
59	SAICSCIENCE APPLICATIONS INTL CO	2,615	$248,216	0.1%	HOLD
60	KRKROGER CO	3,408	$246,612	0.1%	HOLD
61	CSXCSX CORP	5,600	$229,880	0.1%	HOLD
62	AMDADVANCED MICRO DEVICES INC	1,118	$227,435	0.1%	HOLD
63	IBITISHARES BITCOIN TRUST ETF	5,902	$226,755	0.1%	ADD 10%
64	SPABSPDR SERIES TRUST	8,777	$224,867	0.1%	HOLD
65	RSPTINVESCO EXCHANGE TRADED FD T	4,937	$223,449	0.1%	HOLD
66	BSVVANGUARD BD INDEX FDS	2,766	$216,914	0.1%	ADD 4%
67	DFUVDIMENSIONAL ETF TRUST	4,238	$205,387	0.1%	TRIM −12%
68	LDOSLEIDOS HOLDINGS INC	1,303	$202,643	0.1%	HOLD
69	AEPAMERICAN ELEC PWR CO INC	1,540	$201,864	0.1%	NEW
70	LOANMANHATTAN BRDG CAP INC	62,984	$62,985	0.0%	TRIM −4%
71	NAKNORTHERN DYNASTY MINERALS LT	22,420	$31,388	0.0%	HOLD
72	SMRTSMARTRENT INC	15,536	$23,304	0.0%	TRIM −50%

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

VTVVANGUARD INDEX FDS

282K

291K

303K

317K

326K

330K

$65M

DFUSDIMENSIONAL ETF TRUST

665K

760K

810K

825K

856K

883K

$63M

VEAVANGUARD TAX-MANAGED FDS

760K

791K

794K

811K

827K

818K

$52M

FBNDFIDELITY TOTAL BOND ETF

766K

854K

884K

922K

976K

1.0M

$46M

VTIVANGUARD INDEX FDS

144K

135K

130K

124K

119K

117K

$37M

VOEVANGUARD INDEX FDS

83K

87K

89K

94K

98K

99K

$18M

DFATDIMENSIONAL ETF TRUST

165K

180K

196K

211K

226K

230K

$14M

VEUVANGUARD INTL EQUITY INDEX F

126K

143K

147K

141K

143K

146K

$11M

SCHDSCHWAB STRATEGIC TR

164K

169K

155K

159K

155K

$5M

VTEBVANGUARD MUN BD FDS

69K

68K

95K

83K

85K

89K

$4M

SPEMSPDR INDEX SHS FDS

43K

53K

67K

64K

68K

$3M

VBRVANGUARD INDEX FDS

17K

15K

14K

$3M

AAPLAPPLE INC

10K

11K

$3M

SPSBSPDR SERIES TRUST

50K

70K

75K

74K

77K

79K

$2M

ESGDISHARES TR

24K

22K

23K

$2M

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.

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