DEFINE FINANCIAL, LLC

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CIK 2021320

13F portfolio (2026-Q1)

$184M

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

68.2%

Top 10

92.9%

Effective N

8.8

HHI

0.113

This quarter

2 new · 0 exit →

By sector

Unclassified95.0%

Information Technology2.3%

Consumer Discretionary0.9%

Financials0.6%

Communication Services0.5%

Industrials0.5%

Utilities0.2%

Consumer Staples0.2%

Health Care0.0%

By market cap

Unknown95.1%

Mega (>$200B)3.7%

Large ($10–200B)1.0%

Mid ($2–10B)0.2%

Micro (<$300M)0.0%

By region

Other95.0%

North America5.0%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	95.40%	24
Software	0.80%	1
Technology Hardware & Equipment	0.71%	1
Specialty Retail	0.54%	2
Software & IT Services	0.51%	2
Commercial Services & Supplies	0.40%	2
Semiconductors & Semiconductor Equipment	0.38%	1
Communications Equipment	0.37%	2
Utilities	0.20%	1
Professional Services	0.19%	1
Textiles, Apparel & Luxury Goods	0.16%	1
Beverages	0.16%	1
Automobiles & Components	0.15%	1
Pharmaceuticals & Biotechnology	0.02%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	VTIP	VANGUARD MALVERN FDS	Unclassified	15.35%
2	AVUV	AMERICAN CENTY ETF TR	Unclassified	14.92%
3	AVDV	AMERICAN CENTY ETF TR	Unclassified	13.66%
4	VTI	VANGUARD INDEX FDS	Unclassified	12.61%
5	VEU	VANGUARD INTL EQUITY INDEX F	Unclassified	11.67%
6	VNQ	VANGUARD INDEX FDS	Unclassified	10.46%
7	AVEM	AMERICAN CENTY ETF TR	Unclassified	6.62%
8	VWO	VANGUARD INTL EQUITY INDEX F	Unclassified	6.13%
9	MSFT	MICROSOFT CORP	Information Technology	0.80%
10	AAPL	Apple Inc.	Information Technology	0.71%

18/41 names classified · sector 5.0% of weight · industry 4.6% · mkt cap 4.9%; unclassified names shown, never dropped.

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

top 5/sector, rest → “Other” · 6 quarters

Information TechnologyMSFT, AAPL, NVDA, QCOM, MSI · other

IndustrialsABNB, TTEK

Consumer DiscretionaryAMZN, CTAS, COST, TSLA

FinancialsBRK.B, V, PGR

Communication ServicesGOOG, GOOGL

Consumer Staples

Utilities

Energy

Health Care

UnclassifiedVTIP, AVUV, AVDV, VTI, 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: 5.0% 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 (14 classified)DEFINE FINANCIAL, LLC centroid (Large Growth)

Information TechnologyConsumer DiscretionaryCommunication ServicesUtilitiesIndustrialsFinancials

Style box summary for DEFINE FINANCIAL, LLC: centroid Large Growth. Heaviest cells: Large Growth 3.1%, Large Core 0.3%, Mid Growth 0.3%.

Classified: 4.2% of book weight (14/41 names) · unclassified 95.8%: VTIP, AVUV, AVDV, VTI, VEU, VNQ, AVEM, VWO, SPY, BRK.B +17 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· 41 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	VTIPVANGUARD MALVERN FDS	566,241	$28M	15.4%	ADD 11%
2	AVUVAMERICAN CENTY ETF TR	248,904	$27M	14.9%	HOLD
3	AVDVAMERICAN CENTY ETF TR	252,101	$25M	13.7%	HOLD
4	VTIVANGUARD INDEX FDS	72,406	$23M	12.6%	ADD 4%
5	VEUVANGUARD INTL EQUITY INDEX F	286,389	$22M	11.7%	HOLD
6	VNQVANGUARD INDEX FDS	217,260	$19M	10.5%	ADD 6%
7	AVEMAMERICAN CENTY ETF TR	151,258	$12M	6.6%	HOLD
8	VWOVANGUARD INTL EQUITY INDEX F	208,901	$11M	6.1%	ADD 2%
9	MSFTMICROSOFT CORP	3,989	$1M	0.8%	ADD 2%
10	AAPLAPPLE INC	5,152	$1M	0.7%	TRIM −10%
11	SPYSTATE STR SPDR S&P 500 ETF T	1,978	$1M	0.7%	HOLD
12	BRK.BBERKSHIRE HATHAWAY INC DEL	1,679	$804,577	0.4%	ADD 2%
13	VVVANGUARD INDEX FDS	2,409	$719,832	0.4%	HOLD
14	NVDANVIDIA CORPORATION	4,027	$702,254	0.4%	ADD 2%
15	GOOGALPHABET INC	2,426	$695,782	0.4%	ADD 10%
16	AMZNAMAZON COM INC	2,806	$584,488	0.3%	ADD 7%
17	DFSUDIMENSIONAL ETF TRUST	12,831	$527,224	0.3%	HOLD
18	ABNBAIRBNB INC	3,919	$494,891	0.3%	HOLD
19	VOOVANGUARD INDEX FDS	795	$475,198	0.3%	TRIM −6%
20	MSIMOTOROLA SOLUTIONS INC	1,071	$464,926	0.3%	HOLD
21	NOBLPROSHARES TR	3,956	$419,373	0.2%	HOLD
22	VUGVANGUARD INDEX FDS	941	$411,235	0.2%	HOLD
23	COSTCOSTCO WHSL CORP NEW	411	$409,261	0.2%	HOLD
24	FHLCFIDELITY COVINGTON TRUST	5,659	$398,183	0.2%	HOLD
25	DFSIDIMENSIONAL ETF TRUST	9,144	$387,705	0.2%	HOLD
26	SRESEMPRA	3,886	$377,582	0.2%	HOLD
27	TTEKTETRA TECH INC NEW	11,737	$353,504	0.2%	HOLD
28	VTVVANGUARD INDEX FDS	1,791	$351,374	0.2%	ADD 7%
29	IVVISHARES TR	522	$341,016	0.2%	TRIM −8%
30	VGTVANGUARD WORLD FD	456	$318,176	0.2%	HOLD
31	CTASCINTAS CORP	1,786	$302,048	0.2%	HOLD
32	STZCONSTELLATION BRANDS INC	2,010	$301,524	0.2%	HOLD
33	TSLATESLA INC	736	$273,763	0.1%	TRIM −6%
34	FIDUFIDELITY COVINGTON TRUST	3,054	$264,236	0.1%	HOLD
35	GOOGLALPHABET INC	876	$251,857	0.1%	HOLD
36	VVISA INC	783	$236,785	0.1%	HOLD
37	QCOMQUALCOMM INC	1,685	$216,941	0.1%	HOLD
38	BKLCBNY MELLON ETF TRUST	1,717	$214,334	0.1%	HOLD
39	XLUSELECT SECTOR SPDR TR	4,538	$208,229	0.1%	NEW
40	SHYISHARES TR	2,427	$200,387	0.1%	NEW
41	LCTXLINEAGE CELL THERAPEUTICS IN	20,000	$31,600	0.0%	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

VTIPVANGUARD MALVERN FDS

384K

411K

421K

443K

510K

566K

$28M

AVUVAMERICAN CENTY ETF TR

205K

224K

234K

239K

248K

249K

$27M

AVDVAMERICAN CENTY ETF TR

250K

267K

264K

263K

254K

252K

$25M

VTIVANGUARD INDEX FDS

63K

65K

67K

68K

70K

72K

$23M

VEUVANGUARD INTL EQUITY INDEX F

255K

273K

271K

275K

282K

286K

$22M

VNQVANGUARD INDEX FDS

173K

178K

184K

189K

204K

217K

$19M

AVEMAMERICAN CENTY ETF TR

134K

146K

147K

148K

149K

151K

$12M

VWOVANGUARD INTL EQUITY INDEX F

181K

195K

196K

200K

204K

209K

$11M

MSFTMICROSOFT CORP

$1M

AAPLAPPLE INC

899

$1M

SPYSTATE STR SPDR S&P 500 ETF T

$1M

BRK.BBERKSHIRE HATHAWAY INC DEL

$804,577

VVVANGUARD INDEX FDS

$719,832

NVDANVIDIA CORPORATION

$702,254

GOOGALPHABET INC

$695,782

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.

☆DEFINE FINANCIAL, LLC