Financial Alternatives, Inc

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CIK 1967227

13F portfolio (2026-Q1)

$185M

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

53.4%

Top 10

67.6%

Effective N

12.5

HHI

0.080

This quarter

0 new · 0 exit →

By sector

Unclassified92.2%

Information Technology2.4%

Consumer Discretionary2.0%

Financials1.1%

Utilities1.0%

Energy0.9%

Communication Services0.2%

Industrials0.1%

By market cap

Unknown92.2%

Mega (>$200B)5.9%

Large ($10–200B)1.8%

By region

Other92.2%

North America7.8%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	92.98%	64
Technology Hardware & Equipment	1.51%	1
Specialty Retail	1.43%	3
Utilities	1.04%	1
Oil, Gas & Consumable Fuels	0.86%	1
Automobiles & Components	0.59%	1
Semiconductors & Semiconductor Equipment	0.57%	2
Commercial Services & Supplies	0.40%	2
Communications Equipment	0.21%	1
Software & IT Services	0.19%	1
Banks	0.11%	1
Software	0.11%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	DFAC	DIMENSIONAL ETF TRUST	Unclassified	17.45%
2	DFAI	DIMENSIONAL ETF TRUST	Unclassified	17.43%
3	VWOB	VANGUARD WHITEHALL FDS	Unclassified	8.62%
4	DFAE	DIMENSIONAL ETF TRUST	Unclassified	5.83%
5	JEPI	JPMorgan Equity Premium Income ETF	Unclassified	4.07%
6	VNQ	VANGUARD INDEX FDS	Unclassified	3.28%
7	IAU	ISHARES GOLD TR	Unclassified	3.23%
8	EMB	ISHARES TR	Unclassified	2.68%
9	VNQI	VANGUARD INTL EQUITY INDEX F	Unclassified	2.50%
10	VTI	VANGUARD INDEX FDS	Unclassified	2.47%

16/79 names classified · sector 7.8% of weight · industry 7.0% · mkt cap 7.8%; unclassified names shown, never dropped.

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

top 5/sector, rest → “Other” · 14 quarters

Consumer DiscretionaryHD, TSLA, AMZN, COST

Information TechnologyAAPL, QCOM, APH, MSFT, ADBE · other

FinancialsBRK.B, V, BAC

Energy

Utilities

Communication ServicesGOOG, GOOGL, META

Real Estate

Industrials

Health CarePFE, TNDM, ISRG

MaterialsCHD, TREX

UnclassifiedDFAC, DFAI, VWOB, VTI, DFAE · 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: 7.8% 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 7% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (15 classified)Financial Alternatives, Inc centroid (Large Core)

Information TechnologyConsumer DiscretionaryUtilitiesEnergyFinancialsCommunication ServicesIndustrials

Style box summary for Financial Alternatives, Inc: centroid Large Core. Heaviest cells: Large Growth 2.9%, Large Value 2.2%, Mid Core 1.0%.

Classified: 7.0% of book weight (15/79 names) · unclassified 93.0%: DFAC, DFAI, VWOB, DFAE, JEPI, VNQ, IAU, EMB, VNQI, VTI +54 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· 79 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	DFACDIMENSIONAL ETF TRUST	833,008	$32M	17.5%	ADD 30%
2	DFAIDIMENSIONAL ETF TRUST	829,923	$32M	17.4%	ADD 67%
3	VWOBVANGUARD WHITEHALL FDS	243,429	$16M	8.6%	ADD 10%
4	DFAEDIMENSIONAL ETF TRUST	319,154	$11M	5.8%	ADD 29%
5	JEPIJPMorgan Equity Premium Income ETF	133,183	$8M	4.1%	ADD 3%
6	VNQVANGUARD INDEX FDS	68,616	$6M	3.3%	ADD 4%
7	IAUISHARES GOLD TR	67,980	$6M	3.2%	HOLD
8	EMBISHARES TR	52,852	$5M	2.7%	TRIM −8%
9	VNQIVANGUARD INTL EQUITY INDEX F	104,431	$5M	2.5%	ADD 5%
10	VTIVANGUARD INDEX FDS	14,271	$5M	2.5%	TRIM −59%
11	VUGVANGUARD INDEX FDS	8,342	$4M	2.0%	HOLD
12	DFAUDIMENSIONAL ETF TRUST	68,720	$3M	1.7%	HOLD
13	VVVANGUARD INDEX FDS	9,723	$3M	1.6%	HOLD
14	AAPLAPPLE INC	11,022	$3M	1.5%	TRIM −6%
15	HYGISHARES TR	34,825	$3M	1.5%	TRIM −7%
16	DFICDIMENSIONAL ETF TRUST	64,417	$2M	1.2%	HOLD
17	HDHOME DEPOT INC	5,942	$2M	1.1%	HOLD
18	SRESEMPRA	19,758	$2M	1.0%	ADD 22%
19	DFEMDIMENSIONAL ETF TRUST	54,700	$2M	1.0%	TRIM −3%
20	VONGVANGUARD SCOTTSDALE FDS	14,887	$2M	0.9%	TRIM −4%
21	XOMEXXON MOBIL CORP	9,451	$2M	0.9%	HOLD
22	ETJEATON VANCE RISK-MANAGED DIV	188,665	$2M	0.8%	HOLD
23	BRK.ABERKSHIRE HATHAWAY INC DEL	2	$1M	0.8%	HOLD
24	BRK.BBERKSHIRE HATHAWAY INC DEL	2,844	$1M	0.7%	HOLD
25	SPGPInvesco S&P 500 GARP - ETF	12,301	$1M	0.7%	HOLD
26	SPYSTATE STR SPDR S&P 500 ETF T	1,922	$1M	0.7%	TRIM −8%
27	IJTISHARES TR	8,407	$1M	0.7%	HOLD
28	IXUSISHARES TR	13,491	$1M	0.6%	TRIM −2%
29	VEUVANGUARD INTL EQUITY INDEX F	15,534	$1M	0.6%	HOLD
30	DIASPDR DOW JONES INDL AVERAGE	2,407	$1M	0.6%	HOLD
31	TSLATESLA INC	2,921	$1M	0.6%	HOLD
32	VBRVANGUARD INDEX FDS	4,489	$975,200	0.5%	HOLD
33	IJKISHARES TR	9,084	$914,033	0.5%	HOLD
34	VBKVANGUARD INDEX FDS	2,843	$859,297	0.5%	HOLD
35	VOEVANGUARD INDEX FDS	4,402	$811,145	0.4%	HOLD
36	IWPISHARES TR	6,140	$786,657	0.4%	HOLD
37	VOVANGUARD INDEX FDS	2,486	$713,930	0.4%	HOLD
38	IJSISHARES TR	5,970	$707,147	0.4%	HOLD
39	ESGVVanguard ESG US Stock - ETF	5,912	$663,785	0.4%	HOLD
40	ITOTISHARES TR	4,610	$656,603	0.4%	HOLD
41	DFAXDIMENSIONAL ETF TRUST	18,542	$629,879	0.3%	TRIM −8%
42	APHAMPHENOL CORP	4,813	$608,123	0.3%	HOLD
43	VIGVANGUARD SPECIALIZED FUNDS	2,773	$596,469	0.3%	HOLD
44	XFOFXCOHEN & STEERS CLOSED-END OP	43,796	$561,903	0.3%	HOLD
45	VEAVANGUARD TAX-MANAGED FDS	8,424	$539,814	0.3%	HOLD
46	IWSISHARES TR	3,662	$533,700	0.3%	HOLD
47	VVISA INC	1,675	$506,315	0.3%	TRIM −7%
48	IJJISHARES TR	3,806	$504,295	0.3%	HOLD
49	COSTCOSTCO WHSL CORP NEW	501	$499,212	0.3%	ADD 9%
50	EAGGISHARES TR	10,495	$499,038	0.3%	ADD 3%
51	NVDANVIDIA CORPORATION	2,556	$445,776	0.2%	ADD 8%
52	EFAISHARES TR	4,200	$407,946	0.2%	HOLD
53	EZUISHARES INC MSCI EURZONE ETF	6,400	$400,896	0.2%	HOLD
54	MGVVANGUARD WORLD FD	2,702	$391,655	0.2%	HOLD
55	VWOVANGUARD INTL EQUITY INDEX F	7,239	$391,280	0.2%	HOLD
56	QCOMQUALCOMM INC	2,962	$381,447	0.2%	HOLD
57	GOOGLALPHABET INC	1,251	$359,738	0.2%	TRIM −18%
58	IFGLISHARES TR	15,364	$343,536	0.2%	HOLD
59	IVVISHARES TR	518	$338,363	0.2%	HOLD
60	VPLVANGUARD INTL EQUITY INDEX F	3,458	$337,990	0.2%	HOLD
61	PRFINVESCO EXCHANGE TRADED FD T	6,482	$308,090	0.2%	HOLD
62	IWDISHARES TR	1,436	$306,831	0.2%	HOLD
63	IWBISHARES TR	851	$303,433	0.2%	HOLD
64	PRFZINVESCO EXCHANGE TRADED FD T	6,563	$301,045	0.2%	HOLD
65	MGKVanguard Mega Cap Growth ETF	803	$295,138	0.2%	HOLD
66	IEUSISHARES TR	4,360	$289,199	0.2%	HOLD
67	IYFISHARES TR	2,406	$283,090	0.2%	HOLD
68	IWRISHARES TR	2,829	$275,064	0.1%	TRIM −26%
69	VOOGVANGUARD ADMIRAL FDS INC	622	$253,584	0.1%	HOLD
70	GLDSPDR GOLD TR	556	$239,242	0.1%	HOLD
71	SPGIS&P GLOBAL INC	548	$233,087	0.1%	HOLD
72	SDYSPDR SER TR	1,549	$226,049	0.1%	HOLD
73	VSGXVANGUARD WORLD FD	3,017	$216,410	0.1%	HOLD
74	BACBANK AMERICA CORP	4,309	$210,064	0.1%	TRIM −2%
75	AMZNAMAZON COM INC	1,000	$208,270	0.1%	TRIM −24%
76	ADBEADOBE INC	838	$203,702	0.1%	TRIM −3%
77	IWFISHARES TR	472	$201,261	0.1%	HOLD
78	PDIPIMCO DYNAMIC INCOME FD	10,437	$178,578	0.1%	HOLD
79	ETWEATON VANCE TAX-MANAGED GLOB	12,466	$109,452	0.1%	HOLD

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

DFACDIMENSIONAL ETF TRUST

639K

615K

620K

627K

641K

833K

$32M

DFAIDIMENSIONAL ETF TRUST

443K

458K

471K

477K

498K

830K

$32M

VWOBVANGUARD WHITEHALL FDS

182K

194K

199K

206K

221K

243K

$16M

DFAEDIMENSIONAL ETF TRUST

239K

230K

239K

240K

247K

319K

$11M

JEPIJPMorgan Equity Premium Income ETF

113K

118K

125K

122K

129K

133K

$8M

VNQVANGUARD INDEX FDS

57K

59K

61K

62K

66K

69K

$6M

IAUISHARES GOLD TR

68K

67K

66K

67K

68K

$6M

EMBISHARES TR

58K

56K

58K

57K

53K

$5M

VNQIVANGUARD INTL EQUITY INDEX F

84K

89K

91K

92K

99K

104K

$5M

VTIVANGUARD INDEX FDS

31K

32K

33K

34K

35K

14K

$5M

VUGVANGUARD INDEX FDS

$4M

DFAUDIMENSIONAL ETF TRUST

52K

50K

71K

69K

$3M

VVVANGUARD INDEX FDS

10K

$3M

AAPLAPPLE INC

13K

14K

12K

11K

$3M

HYGISHARES TR

39K

38K

37K

35K

$3M

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 Alternatives, Inc