LOWERY THOMAS, LLC

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CIK 1919701

13F portfolio (2026-Q1)

$175M

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

38.4%

Top 10

57.0%

Effective N

21.2

HHI

0.047

This quarter

2 new · 0 exit →

By sector

Unclassified94.7%

Information Technology2.6%

Communication Services2.0%

Consumer Discretionary0.7%

By market cap

Unknown94.7%

Mega (>$200B)4.8%

Large ($10–200B)0.5%

By region

Other94.7%

North America5.3%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	94.67%	46
Software & IT Services	2.02%	3
Technology Hardware & Equipment	1.63%	2
Semiconductors & Semiconductor Equipment	0.68%	1
Specialty Retail	0.48%	1
Software	0.26%	1
Automobiles & Components	0.25%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	SCHG	SCHWAB U.S. LARGE-CAP GROWTH ETF	Unclassified	12.20%
2	VOO	VANGUARD INDEX FDS	Unclassified	9.39%
3	QQQM	INVESCO EXCH TRADED FD TR II	Unclassified	6.03%
4	FNDX	SCHWAB STRATEGIC TR	Unclassified	5.99%
5	SPY	STATE STR SPDR S&P 500 ETF T	Unclassified	4.78%
6	QQQ	INVESCO QQQ TR	Unclassified	4.25%
7	SCHV	SCHWAB STRATEGIC TR	Unclassified	3.99%
8	SMH	VANECK ETF TRUST	Unclassified	3.97%
9	IWF	ISHARES TR	Unclassified	3.39%
10	IWB	ISHARES TR	Unclassified	3.02%

9/55 names classified · sector 5.3% of weight · industry 5.3% · mkt cap 5.3%; unclassified names shown, never dropped.

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

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

Information TechnologyAAPL, KLAC, MSFT, NVDA, ORCL · other

Consumer DiscretionaryAMZN, TSLA

Communication ServicesGOOG, META, GOOGL

Financials

UnclassifiedSCHG, VOO, BIL, SCHO, SHV · 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: 5.3% 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 5% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (9 classified)LOWERY THOMAS, LLC centroid (Large Growth)

Information TechnologyCommunication ServicesConsumer Discretionary

Style box summary for LOWERY THOMAS, LLC: centroid Large Growth. Heaviest cells: Large Growth 3.4%, Large Core 1.4%, Mid Value 0.5%.

Classified: 5.3% of book weight (9/55 names) · unclassified 94.7%: SCHG, VOO, QQQM, FNDX, SPY, QQQ, SCHV, SMH, IWF, IWB +36 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· 55 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	SCHGSCHWAB U.S. LARGE-CAP GROWTH ETF	732,765	$21M	12.2%	ADD 3%
2	VOOVANGUARD INDEX FDS	27,491	$16M	9.4%	HOLD
3	QQQMINVESCO EXCH TRADED FD TR II	44,397	$11M	6.0%	HOLD
4	FNDXSCHWAB STRATEGIC TR	375,907	$10M	6.0%	ADD 2%
5	SPYSTATE STR SPDR S&P 500 ETF T	12,843	$8M	4.8%	TRIM −4%
6	QQQINVESCO QQQ TR	12,876	$7M	4.2%	HOLD
7	SCHVSCHWAB STRATEGIC TR	228,772	$7M	4.0%	ADD 3%
8	SMHVANECK ETF TRUST	18,144	$7M	4.0%	HOLD
9	IWFISHARES TR	13,914	$6M	3.4%	HOLD
10	IWBISHARES TR	14,805	$5M	3.0%	HOLD
11	BNDVANGUARD BD INDEX FDS	66,393	$5M	2.8%	ADD 6%
12	JEPIJPMorgan Equity Premium Income ETF	79,179	$4M	2.6%	ADD 3%
13	IWOISHARES TR	13,607	$4M	2.4%	HOLD
14	VUSBVANGUARD BD INDEX FDS	85,623	$4M	2.4%	ADD 13%
15	SCHZSCHWAB STRATEGIC TR	166,682	$4M	2.2%	ADD 9%
16	XMMOINVESCO EXCHANGE TRADED FD T	26,508	$4M	2.2%	ADD 3%
17	FLDRFIDELITY MERRIMACK STR TR	75,440	$4M	2.2%	HOLD
18	SCHOSCHWAB SHORT-TERM US TREASURY ETF	152,404	$4M	2.1%	ADD 12%
19	VIOGVANGUARD ADMIRAL FDS INC	24,854	$3M	1.8%	HOLD
20	GOOGALPHABET INC	9,703	$3M	1.6%	ADD 119%
21	IWPISHARES TR	21,454	$3M	1.6%	HOLD
22	SPYGSPDR SERIES TRUST STATE STREET SPD	27,986	$3M	1.6%	HOLD
23	DIASPDR DOW JONES INDL AVERAGE	5,833	$3M	1.5%	HOLD
24	SCHXSCHWAB U.S. LARGE-CAP ETF	101,652	$3M	1.5%	ADD 4%
25	AAPLAPPLE INC	7,689	$2M	1.1%	HOLD
26	VOTVANGUARD INDEX FDS	7,399	$2M	1.1%	HOLD
27	XSVMINVESCO EXCHANGE TRADED FD T	25,984	$2M	0.9%	HOLD
28	SHVISHARES TR	11,661	$1M	0.7%	ADD 12%
29	IWNISHARES TR	6,744	$1M	0.7%	HOLD
30	XSMOINVESCO EXCHANGE TRADED FD T	16,466	$1M	0.7%	HOLD
31	SHYISHARES TR	15,111	$1M	0.7%	ADD 14%
32	VOOVVANGUARD ADMIRAL FDS INC	6,118	$1M	0.7%	HOLD
33	NVDANVIDIA CORPORATION	6,891	$1M	0.7%	HOLD
34	XLKSELECT SECTOR SPDR TR	8,610	$1M	0.7%	ADD 3%
35	SCHMSCHWAB STRATEGIC TR	34,314	$1M	0.6%	HOLD
36	IWMISHARES TR	3,984	$988,093	0.6%	HOLD
37	SPYVSPDR SERIES TRUST	16,276	$920,869	0.5%	TRIM −2%
38	KLACKLA CORP	609	$896,698	0.5%	TRIM −25%
39	AMZNAMAZON COM INC	4,040	$841,411	0.5%	HOLD
40	IWDISHARES TR	3,839	$820,260	0.5%	HOLD
41	SCHASCHWAB STRATEGIC TR	23,347	$678,917	0.4%	ADD 9%
42	AIQGLOBAL X FDS	13,617	$635,488	0.4%	HOLD
43	QLDPROSHARES TR	8,037	$489,517	0.3%	ADD 2%
44	MSFTMICROSOFT CORP	1,250	$462,864	0.3%	HOLD
45	TSLATESLA INC	1,187	$441,267	0.3%	HOLD
46	METAMETA PLATFORMS INC	760	$434,851	0.2%	HOLD
47	SOXXISHARES TR	1,239	$407,256	0.2%	TRIM −7%
48	VOEVANGUARD INDEX FDS	1,926	$354,908	0.2%	HOLD
49	SLYGSPDR SERIES TRUST	3,589	$346,737	0.2%	HOLD
50	SCHDSCHWAB STRATEGIC TR	10,488	$321,759	0.2%	ADD 11%
51	GOOGLALPHABET INC	1,099	$315,909	0.2%	NEW
52	VOVANGUARD INDEX FDS	912	$261,813	0.1%	TRIM −5%
53	MDYSPDR S&P MIDCAP 400 ETF TR	421	$259,449	0.1%	HOLD
54	RWLInvesco S&P 500 Revenue ETF	1,856	$213,252	0.1%	HOLD
55	COWZPACER FDS TR	3,234	$202,318	0.1%	NEW

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

SCHGSCHWAB U.S. LARGE-CAP GROWTH ETF

686K

695K

683K

714K

711K

733K

$21M

VOOVANGUARD INDEX FDS

29K

28K

27K

$16M

QQQMINVESCO EXCH TRADED FD TR II

48K

47K

45K

46K

44K

$11M

FNDXSCHWAB STRATEGIC TR

363K

351K

372K

367K

376K

$10M

SPYSTATE STR SPDR S&P 500 ETF T

14K

15K

14K

13K

$8M

QQQINVESCO QQQ TR

13K

$7M

SCHVSCHWAB STRATEGIC TR

218K

219K

217K

224K

222K

229K

$7M

SMHVANECK ETF TRUST

19K

17K

18K

$7M

IWFISHARES TR

14K

$6M

IWBISHARES TR

15K

$5M

BNDVANGUARD BD INDEX FDS

50K

44K

47K

54K

63K

66K

$5M

JEPIJPMorgan Equity Premium Income ETF

75K

76K

70K

75K

77K

79K

$4M

IWOISHARES TR

15K

16K

15K

14K

$4M

VUSBVANGUARD BD INDEX FDS

12K

41K

52K

71K

76K

86K

$4M

SCHZSCHWAB STRATEGIC TR

131K

125K

124K

137K

153K

167K

$4M

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.

☆LOWERY THOMAS, LLC