Financially Speaking Inc

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CIK 2040901

13F portfolio (2026-Q1)

$21M

Positions

114

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

114

Top 5

81.2%

Top 10

87.5%

Effective N

3.7

HHI

0.272

This quarter

15 new · 0 exit →

By sector

Unclassified77.4%

Information Technology7.5%

Energy2.8%

Consumer Discretionary2.6%

Health Care2.5%

Industrials1.7%

Utilities1.5%

Communication Services1.4%

Other2.8%

By market cap

Unknown77.4%

Mega (>$200B)13.4%

Large ($10–200B)9.0%

Mid ($2–10B)0.2%

Small ($300M–2B)0.1%

Micro (<$300M)0.0%

By region

Other77.4%

North America22.6%

Europe0.1%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	77.35%	33
Software	3.78%	4
Oil, Gas & Consumable Fuels	2.81%	6
Semiconductors & Semiconductor Equipment	2.49%	4
Specialty Retail	1.67%	5
Utilities	1.53%	3
Pharmaceuticals & Biotechnology	1.27%	3
Health Care Equipment & Supplies	1.20%	4
Aerospace & Defense	1.14%	2
Technology Hardware & Equipment	1.04%	4
Tobacco	0.98%	2
Banks	0.74%	4
Software & IT Services	0.64%	4
Hotels, Restaurants & Leisure	0.61%	2
Chemicals	0.59%	3
Diversified Telecommunication Services	0.54%	2
Machinery	0.46%	3
Automobiles & Components	0.28%	6
Entertainment	0.23%	1
Paper & Forest Products	0.18%	1
Food Products	0.14%	1
Communications Equipment	0.06%	1
Commercial Services & Supplies	0.06%	3
Equity Real Estate Investment Trusts (REITs)	0.05%	1
Metals & Mining	0.05%	3
Media & Entertainment	0.04%	2
Electrical Equipment & Components	0.03%	2
Construction Materials	0.03%	1
Health Care Providers & Services	0.01%	1
Airlines	0.01%	1
Beverages	0.00%	1
Capital Markets	0.00%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	JPST	J P MORGAN EXCHANGE TRADED F	Unclassified	36.63%
2	FLDR	FIDELITY MERRIMACK STR TR	Unclassified	36.60%
3	PLTR	Palantir Technologies Inc.	Information Technology	3.68%
4	SDY	SPDR SER TR	Unclassified	2.18%
5	NVDA	NVIDIA CORP	Information Technology	2.13%
6	XOM	EXXON MOBIL CORP	Energy	1.69%
7	XEL	XCEL ENERGY INC	Utilities	1.47%
8	JNJ	JOHNSON & JOHNSON	Health Care	1.06%
9	MDT	Medtronic plc	Health Care	1.04%
10	COST	COSTCO WHOLESALE CORP /NEW	Consumer Discretionary	0.99%

81/114 names classified · sector 22.6% of weight · industry 22.6% · mkt cap 22.6%; 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 TechnologyPLTR, NVDA, TT, AAPL, TMO · other

FinancialsBRK.B, USB, BAC, COIN, BMNR · other

Consumer DiscretionaryMCK, COST, MCD, AMZN, ROST · other

EnergyXOM, OXY, PSX, BP, APA · other

Health CareMDT, JNJ, SYK, GILD, MRK · other

IndustrialsRTX, LII, NOC, NDSN, LMT · other

UtilitiesXEL, ATO, WMB, HNRG, KMI · other

Communication ServicesGOOGL, VZ, DIS, T, META · other

Consumer StaplesMO, MKC, PM, CELH, WVVI · other

MaterialsLIN, PG, KMB, UUUU, CENX · other

Real EstateCCI, OPEN

UnclassifiedSNOXX, FLDR, JPST, RSP, SPY · 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: 22.6% 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 22% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (65 classified)Financially Speaking Inc centroid (Large Core)

Information TechnologyEnergyHealth CareConsumer DiscretionaryIndustrialsUtilitiesCommunication ServicesConsumer StaplesMaterialsFinancialsReal Estate

Style box summary for Financially Speaking Inc: centroid Large Core. Heaviest cells: Large Growth 9.1%, Large Value 6.8%, Large Core 3.0%.

Classified: 22.2% of book weight (65/114 names) · unclassified 77.8%: JPST, FLDR, SDY, JTEK, SCHB, SPLV, PWRD, DEMZ, SHLD, RIVN +39 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· 114 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	JPSTJ P MORGAN EXCHANGE TRADED F	149,073	$8M	36.6%	ADD 13%
2	FLDRFIDELITY MERRIMACK STR TR	150,585	$8M	36.6%	TRIM −57%
3	PLTRPALANTIR TECHNOLOGIES INC	5,176	$757,146	3.7%	TRIM −26%
4	SDYSPDR SER TR	3,082	$449,817	2.2%	TRIM −5%
5	NVDANVIDIA CORPORATION	2,515	$438,616	2.1%	TRIM −50%
6	XOMEXXON MOBIL CORP	2,052	$348,143	1.7%	HOLD
7	XELXCEL ENERGY INC	3,808	$302,485	1.5%	HOLD
8	JNJJOHNSON & JOHNSON	891	$217,797	1.1%	HOLD
9	MDTMEDTRONIC PLC	2,468	$213,853	1.0%	HOLD
10	COSTCOSTCO WHSL CORP NEW	205	$204,269	1.0%	HOLD
11	RTXRTX CORPORATION	1,027	$198,109	1.0%	HOLD
12	MOALTRIA GROUP INC	2,850	$188,072	0.9%	HOLD
13	OXYOCCIDENTAL PETE CORP	1,848	$120,091	0.6%	TRIM −21%
14	USBUS BANCORP	2,208	$114,839	0.6%	HOLD
15	GOOGLALPHABET INC	383	$110,136	0.5%	TRIM −34%
16	MCDMCDONALDS CORP	292	$90,751	0.4%	HOLD
17	TTTRANE TECHNOLOGIES PLC	200	$83,348	0.4%	HOLD
18	AAPLAPPLE INC	322	$81,715	0.4%	TRIM −4%
19	PSXPHILLIPS 66	435	$79,325	0.4%	HOLD
20	JTEKJ P MORGAN EXCHANGE TRADED F	920	$73,177	0.4%	TRIM −6%
21	SCHBSCHWAB STRATEGIC TR	2,794	$70,130	0.3%	NEW
22	LINLINDE PLC	140	$69,407	0.3%	HOLD
23	LIILENNOX INTL INC	133	$61,730	0.3%	HOLD
24	ROSTROSS STORES INC	284	$61,523	0.3%	HOLD
25	VZVERIZON COMMUNICATIONS INC	1,220	$61,244	0.3%	HOLD
26	SPLVINVESCO EXCH TRADED FD TR II	826	$60,414	0.3%	HOLD
27	PWRDTCW ETF TRUST	552	$53,967	0.3%	HOLD
28	PGPROCTER AND GAMBLE CO	364	$52,592	0.3%	HOLD
29	TAT&T INC	1,730	$50,153	0.2%	HOLD
30	DISDISNEY WALT CO	488	$47,034	0.2%	TRIM −4%
31	TMOTHERMO FISHER SCIENTIFIC INC	90	$44,238	0.2%	TRIM −10%
32	AMDADVANCED MICRO DEVICES INC	212	$43,128	0.2%	TRIM −6%
33	DEMZADVISORS INNER CIRCLE FD III	1,058	$42,534	0.2%	TRIM −17%
34	AMZNAMAZON COM INC	187	$38,947	0.2%	TRIM −71%
35	KMBKIMBERLY-CLARK CORP	377	$36,370	0.2%	HOLD
36	NOCNORTHROP GRUMMAN CORP	53	$36,159	0.2%	HOLD
37	SBUXSTARBUCKS CORP	400	$35,836	0.2%	HOLD
38	SHLDGLOBAL X FDS	489	$34,641	0.2%	NEW
39	SYKSTRYKER CORPORATION	100	$32,859	0.2%	HOLD
40	INTCINTEL CORP	682	$30,092	0.1%	HOLD
41	MKCMCCORMICK & CO INC	580	$29,256	0.1%	HOLD
42	RIVNRIVIAN AUTOMOTIVE INC	1,837	$27,647	0.1%	HOLD
43	NDSNNORDSON CORP	100	$26,606	0.1%	HOLD
44	HDHOME DEPOT INC	77	$25,325	0.1%	HOLD
45	BACBANK AMERICA CORP	502	$24,491	0.1%	HOLD
46	SLVISHARES SILVER TR	334	$22,759	0.1%	HOLD
47	GILDGILEAD SCIENCES INC	158	$22,021	0.1%	TRIM −13%
48	MRKMERCK & CO INC	176	$21,172	0.1%	HOLD
49	ALVAUTOLIV INC	162	$17,036	0.1%	HOLD
50	IOTSAMSARA INC	500	$15,845	0.1%	HOLD
51	BPBP PLC	330	$15,500	0.1%	HOLD
52	APAAPA CORPORATION	344	$14,600	0.1%	TRIM −31%
53	GBTCGRAYSCALE BITCOIN TRUST ETF	275	$14,509	0.1%	HOLD
54	LOWLOWES COS INC	61	$14,414	0.1%	HOLD
55	PMPHILIP MORRIS INTL INC	85	$14,054	0.1%	HOLD
56	MSFTMICROSOFT CORP	36	$13,327	0.1%	TRIM −18%
57	QCOMQUALCOMM INC	100	$12,878	0.1%	HOLD
58	ATOATMOS ENERGY CORP	63	$11,697	0.1%	HOLD
59	CCICROWN CASTLE INC	126	$10,250	0.0%	HOLD
60	ALLEALLEGION PLC	66	$9,590	0.0%	HOLD
61	SOXXISHARES TR	25	$8,217	0.0%	NEW
62	BWABORGWARNER INC	120	$6,512	0.0%	HOLD
63	COINCOINBASE GLOBAL INC	35	$6,112	0.0%	HOLD
64	GOOGALPHABET INC	21	$6,025	0.0%	HOLD
65	GEFGREIF INC	89	$5,970	0.0%	HOLD
66	BMNRBITMINE IMMERSION TECNOLOGIE	300	$5,934	0.0%	HOLD
67	UUUUENERGY FUELS INC	300	$5,475	0.0%	HOLD
68	CENXCENTURY ALUM CO	93	$5,459	0.0%	NEW
69	SPOTSPOTIFY TECHNOLOGY S A	11	$5,335	0.0%	TRIM −31%
70	XARSPDR SERIES TRUST	20	$5,080	0.0%	NEW
71	DELLDELL TECHNOLOGIES INC	30	$4,924	0.0%	NEW
72	RCATRED CAT HLDGS INC	300	$3,927	0.0%	NEW
73	GEGE AEROSPACE	13	$3,690	0.0%	HOLD
74	BBAIBIGBEAR AI HLDGS INC	1,000	$3,520	0.0%	HOLD
75	GOROGOLD RESOURCE CORP	2,930	$3,516	0.0%	NEW
76	DHXDHI GROUP INC	950	$2,670	0.0%	HOLD
77	GEVGE VERNOVA INC	3	$2,619	0.0%	TRIM −94%
78	URAGLOBAL X FDS	53	$2,567	0.0%	HOLD
79	WBDWARNER BROS DISCOVERY INC	93	$2,554	0.0%	HOLD
80	GMGENERAL MTRS CO	31	$2,310	0.0%	HOLD
81	HIMSHIMS & HERS HEALTH INC	100	$2,076	0.0%	HOLD
82	PPLTABRDN PLATINUM ETF TRUST	10	$1,783	0.0%	TRIM −100%
83	NNDMNANO DIMENSION LTD	1,000	$1,700	0.0%	HOLD
84	BTCGRAYSCALE BITCOIN MINI TR ET	55	$1,650	0.0%	HOLD
85	PHINPHINIA INC	24	$1,643	0.0%	HOLD
86	FFORD MTR CO	140	$1,616	0.0%	HOLD
87	LUVSOUTHWEST AIRLS CO	38	$1,428	0.0%	HOLD
88	IEVISHARES TR	20	$1,359	0.0%	ADD 233%
89	RSPINVESCO EXCHANGE TRADED FD T	7	$1,344	0.0%	TRIM −100%
90	LOCLLOCAL BOUNTI CORP	1,000	$1,160	0.0%	HOLD
91	SCHGSCHWAB U.S. LARGE-CAP GROWTH ETF	34	$991	0.0%	TRIM −100%
92	DVNDEVON ENERGY CORP NEW	16	$806	0.0%	HOLD
93	CRMLCRITICAL METALS CORP	100	$794	0.0%	HOLD
94	SPYSTATE STR SPDR S&P 500 ETF T	1	$651	0.0%	TRIM −100%
95	ETHGRAYSCALE ETHEREUM STAKING	27	$537	0.0%	HOLD
96	PYPLPAYPAL HLDGS INC	10	$453	0.0%	HOLD
97	IBITISHARES BITCOIN TRUST ETF	11	$423	0.0%	HOLD
98	SCHDSCHWAB STRATEGIC TR	11	$338	0.0%	NEW
99	GEHCGE HEALTHCARE TECHNOLOGIES I	4	$285	0.0%	HOLD
100	WVVIWILLAMETTE VY VINEYARD INC	100	$257	0.0%	HOLD
101	BMBLBUMBLE INC	50	$163	0.0%	HOLD
102	EWGISHARES INC MSCI GERMANY ETF	4	$159	0.0%	NEW
103	VEAVANGUARD TAX-MANAGED FDS	2	$129	0.0%	NEW
104	EQWLINVESCO EXCHANGE TRADED FD T	1	$116	0.0%	TRIM −100%
105	XMESPDR SERIES TRUST	1	$109	0.0%	TRIM −100%
106	ILITISHARES TR	6	$104	0.0%	NEW
107	OKLOOKLO INC	2	$100	0.0%	HOLD
108	SCHWSCHWAB CHARLES CORP	1	$94	0.0%	NEW
109	GDXVANECK ETF TRUST GOLD MINERS ETF	1	$92	0.0%	TRIM −100%
110	SILGLOBAL X FDS	1	$91	0.0%	TRIM −100%
111	COTYCOTY INC	30	$61	0.0%	HOLD
112	EWPISHARES INC	1	$55	0.0%	NEW
113	IVLUISHARES TR	1	$40	0.0%	NEW
114	MBOTMICROBOT MED INC	1	$3	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

JPSTJ P MORGAN EXCHANGE TRADED F

—

183K

135K

132K

149K

$8M

FLDRFIDELITY MERRIMACK STR TR

54K

47K

185K

108K

349K

151K

$8M

PLTRPALANTIR TECHNOLOGIES INC

13K

11K

10K

$757,146

SDYSPDR SER TR

—

$449,817

NVDANVIDIA CORPORATION

742

$438,616

XOMEXXON MOBIL CORP

100

$348,143

XELXCEL ENERGY INC

$302,485

JNJJOHNSON & JOHNSON

891

—

891

$217,797

MDTMEDTRONIC PLC

$213,853

COSTCOSTCO WHSL CORP NEW

202

182

207

205

$204,269

RTXRTX CORPORATION

—

$198,109

MOALTRIA GROUP INC

—

$188,072

OXYOCCIDENTAL PETE CORP

$120,091

USBUS BANCORP

$114,839

GOOGLALPHABET INC

328

—

528

578

383

$110,136

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.

☆Financially Speaking Inc