Luminvest Wealth Management LLC

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CIK 2036517

13F portfolio (2026-Q1)

$382M

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 →

Open in PORT →

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

66.9%

Top 10

86.7%

Effective N

8.0

HHI

0.125

This quarter

6 new · 0 exit →

By sector

Unclassified98.8%

Information Technology0.5%

Financials0.2%

Health Care0.2%

Communication Services0.1%

Consumer Discretionary0.1%

Industrials0.1%

Energy0.1%

By market cap

Unknown98.8%

Mega (>$200B)1.2%

Large ($10–200B)0.1%

By region

Other98.8%

North America1.2%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	98.93%	42
Semiconductors & Semiconductor Equipment	0.20%	3
Pharmaceuticals & Biotechnology	0.19%	2
Software	0.15%	1
Technology Hardware & Equipment	0.12%	1
Software & IT Services	0.11%	1
Specialty Retail	0.11%	2
Banks	0.07%	1
Road & Rail	0.06%	1
Oil, Gas & Consumable Fuels	0.06%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	VTI	VANGUARD INDEX FDS	Unclassified	24.76%
2	VXUS	VANGUARD STAR FDS	Unclassified	18.92%
3	VEU	VANGUARD INTL EQUITY INDEX F	Unclassified	9.40%
4	VTEB	VANGUARD MUN BD FDS	Unclassified	7.08%
5	BND	VANGUARD BD INDEX FDS	Unclassified	6.70%
6	BNDX	VANGUARD CHARLOTTE FDS	Unclassified	6.16%
7	VCIT	VANGUARD SCOTTSDALE FDS	Unclassified	5.16%
8	VOO	VANGUARD INDEX FDS	Unclassified	3.77%
9	VCSH	VANGUARD SCOTTSDALE FDS	Unclassified	2.69%
10	VXF	VANGUARD INDEX FDS	Unclassified	2.06%

14/55 names classified · sector 1.2% of weight · industry 1.1% · mkt cap 1.2%; unclassified names shown, never dropped.

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

top 5/sector, rest → “Other” · 10 quarters

Information TechnologyMSFT, AAPL, NVDA, INTU, ORCL · other

FinancialsBRK.B, JPM

Health CareABBV, JNJ

Communication Services

Consumer DiscretionaryHD, AMZN

Materials

Industrials

Energy

UnclassifiedVTI, VXUS, VEU, VTEB, BND · 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: 1.2% 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 1% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (13 classified)Luminvest Wealth Management LLC centroid (Large Core)

Information TechnologyHealth CareCommunication ServicesConsumer DiscretionaryFinancialsIndustrialsEnergy

Style box summary for Luminvest Wealth Management LLC: centroid Large Core. Heaviest cells: Large Growth 0.6%, Large Value 0.3%, Large Core 0.2%.

Classified: 1.1% of book weight (13/55 names) · unclassified 98.9%: VTI, VXUS, VEU, VTEB, BND, BNDX, VCIT, VOO, VCSH, VXF +32 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	VTIVANGUARD INDEX FDS	287,394	$95M	24.8%	ADD 2%
2	VXUSVANGUARD STAR FDS	926,464	$72M	18.9%	ADD 4%
3	VEUVANGUARD INTL EQUITY INDEX F	467,861	$36M	9.4%	HOLD
4	VTEBVANGUARD MUN BD FDS	540,555	$27M	7.1%	HOLD
5	BNDVANGUARD BD INDEX FDS	347,721	$26M	6.7%	ADD 10%
6	BNDXVANGUARD CHARLOTTE FDS	490,152	$24M	6.2%	ADD 8%
7	VCITVANGUARD SCOTTSDALE FDS	238,214	$20M	5.2%	ADD 7%
8	VOOVANGUARD INDEX FDS	23,325	$14M	3.8%	ADD 4%
9	VCSHVANGUARD SCOTTSDALE FDS	129,776	$10M	2.7%	ADD 10%
10	VXFVANGUARD INDEX FDS	37,527	$8M	2.1%	HOLD
11	SPYSTATE STR SPDR S&P 500 ETF T	8,138	$5M	1.4%	HOLD
12	VTVVANGUARD INDEX FDS	25,639	$5M	1.3%	ADD 5%
13	VEAVANGUARD TAX-MANAGED FDS	75,005	$5M	1.3%	ADD 12%
14	VTECVANGUARD CALIF TAX FREE FDS	45,647	$5M	1.2%	ADD 218%
15	ITOTISHARES TR	21,919	$3M	0.8%	ADD 3%
16	VBILVANGUARD INSTL INDEX FD	34,488	$3M	0.7%	NEW
17	SGOVISHARES TR	23,668	$2M	0.6%	ADD 97%
18	VYMVANGUARD WHITEHALL FDS	12,549	$2M	0.5%	HOLD
19	SCHBSCHWAB STRATEGIC TR	74,021	$2M	0.5%	HOLD
20	IXUSISHARES TR	20,501	$2M	0.5%	HOLD
21	IWRISHARES TR	15,056	$1M	0.4%	HOLD
22	VIGVANGUARD SPECIALIZED FUNDS	5,800	$1M	0.3%	HOLD
23	VUGVANGUARD INDEX FDS	3,608	$1M	0.3%	ADD 35%
24	VBVANGUARD INDEX FDS	4,674	$1M	0.3%	HOLD
25	IJHISHARES TR	11,914	$867,232	0.2%	HOLD
26	SCHASCHWAB STRATEGIC TR	25,780	$749,683	0.2%	HOLD
27	BRK.BBERKSHIRE HATHAWAY INC DEL	1,416	$678,547	0.2%	HOLD
28	VOVANGUARD INDEX FDS	2,497	$678,178	0.2%	ADD 36%
29	BLVVANGUARD BD INDEX FDS	8,618	$592,730	0.2%	TRIM −2%
30	MSFTMICROSOFT CORP	1,563	$578,440	0.2%	HOLD
31	VYMIVANGUARD WHITEHALL FDS	5,832	$549,652	0.1%	HOLD
32	VWOVANGUARD INTL EQUITY INDEX F	9,937	$537,063	0.1%	HOLD
33	DFAUDIMENSIONAL ETF TRUST	10,748	$484,950	0.1%	NEW
34	VTEIVANGUARD MUN BD FDS	4,782	$477,878	0.1%	HOLD
35	IVVISHARES TR	730	$477,028	0.1%	ADD 102%
36	AAPLAPPLE INC	1,770	$461,909	0.1%	ADD 4%
37	GOOGLALPHABET INC	1,518	$436,535	0.1%	HOLD
38	JNJJOHNSON & JOHNSON	1,632	$385,068	0.1%	HOLD
39	BNDWVANGUARD SCOTTSDALE FDS	5,430	$371,150	0.1%	HOLD
40	ABBVABBVIE INC	1,531	$328,789	0.1%	HOLD
41	VGKVANGUARD INTL EQUITY INDEX F	3,358	$292,353	0.1%	TRIM −49%
42	NVDANVIDIA CORPORATION	1,665	$290,388	0.1%	TRIM −78%
43	VPLVANGUARD INTL EQUITY INDEX F	2,482	$260,617	0.1%	NEW
44	IWMISHARES TR	924	$255,562	0.1%	HOLD
45	JPMJPMORGAN CHASE & CO	856	$252,053	0.1%	ADD 4%
46	SPTMSPDR SERIES TRUST	3,111	$245,956	0.1%	NEW
47	MUMICRON TECHNOLOGY INC	713	$240,880	0.1%	HOLD
48	FNDXSCHWAB STRATEGIC TR	8,259	$230,013	0.1%	HOLD
49	NSCNORFOLK SOUTHN CORP	800	$229,600	0.1%	HOLD
50	AMZNAMAZON COM INC	1,088	$226,597	0.1%	NEW
51	AVGOBROADCOM INC	730	$225,942	0.1%	HOLD
52	VNQVANGUARD INDEX FDS	2,472	$219,268	0.1%	NEW
53	XOMEXXON MOBIL CORP	1,282	$217,504	0.1%	TRIM −29%
54	CGXUCapital Group International Focus - ETF	6,941	$204,690	0.1%	HOLD
55	HDHOME DEPOT INC	607	$200,406	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

VTIVANGUARD INDEX FDS

249K

250K

252K

260K

281K

287K

$95M

VXUSVANGUARD STAR FDS

707K

702K

743K

777K

891K

926K

$72M

VEUVANGUARD INTL EQUITY INDEX F

427K

425K

443K

462K

468K

$36M

VTEBVANGUARD MUN BD FDS

435K

375K

419K

479K

532K

541K

$27M

BNDVANGUARD BD INDEX FDS

210K

216K

226K

264K

316K

348K

$26M

BNDXVANGUARD CHARLOTTE FDS

327K

329K

341K

385K

456K

490K

$24M

VCITVANGUARD SCOTTSDALE FDS

177K

179K

181K

129K

222K

238K

$20M

VOOVANGUARD INDEX FDS

17K

14K

16K

23K

$14M

VCSHVANGUARD SCOTTSDALE FDS

94K

95K

93K

101K

118K

130K

$10M

VXFVANGUARD INDEX FDS

22K

20K

23K

25K

37K

38K

$8M

SPYSTATE STR SPDR S&P 500 ETF T

$5M

VTVVANGUARD INDEX FDS

18K

19K

20K

25K

26K

$5M

VEAVANGUARD TAX-MANAGED FDS

33K

34K

37K

38K

67K

75K

$5M

VTECVANGUARD CALIF TAX FREE FDS

—

12K

14K

46K

$5M

ITOTISHARES TR

—

25K

21K

22K

$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.

☆Luminvest Wealth Management LLC