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CIK 2054264

13F portfolio (2026-Q1)

$603M

Positions

122

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

122

Top 5

50.9%

Top 10

69.4%

Effective N

15.7

HHI

0.064

This quarter

8 new · 0 exit →

By sector

Unclassified94.5%

Consumer Discretionary1.0%

Information Technology0.9%

Financials0.7%

Industrials0.7%

Energy0.6%

Materials0.4%

Health Care0.4%

Other0.7%

By market cap

Unknown94.5%

Mega (>$200B)2.7%

Large ($10–200B)2.5%

Micro (<$300M)0.1%

Small ($300M–2B)0.0%

Mid ($2–10B)0.0%

By region

Other94.5%

North America5.5%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	94.68%	75
Oil, Gas & Consumable Fuels	0.62%	2
Road & Rail	0.60%	3
Technology Hardware & Equipment	0.42%	3
Specialty Retail	0.42%	3
Banks	0.39%	5
Software & IT Services	0.30%	3
Metals & Mining	0.28%	2
Electrical Equipment & Components	0.27%	2
Distributors	0.27%	2
Pharmaceuticals & Biotechnology	0.24%	4
Automobiles & Components	0.19%	1
Capital Markets	0.17%	1
Chemicals	0.17%	2
Software	0.16%	1
Health Care Equipment & Supplies	0.15%	1
Tobacco	0.15%	2
Utilities	0.09%	2
Hotels, Restaurants & Leisure	0.07%	1
Food & Staples Retailing	0.07%	1
Equity Real Estate Investment Trusts (REITs)	0.07%	1
Semiconductors & Semiconductor Equipment	0.06%	1
Aerospace & Defense	0.05%	1
Food Products	0.04%	1
Commercial Services & Supplies	0.03%	1
Beverages	0.03%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	BND	VANGUARD BD INDEX FDS	Unclassified	12.78%
2	VTV	VANGUARD INDEX FDS	Unclassified	10.00%
3	VUG	VANGUARD INDEX FDS	Unclassified	9.88%
4	BNDX	VANGUARD CHARLOTTE FDS	Unclassified	9.85%
5	VEA	VANGUARD TAX-MANAGED FDS	Unclassified	8.39%
6	BSV	VANGUARD BD INDEX FDS	Unclassified	6.21%
7	VBR	VANGUARD INDEX FDS	Unclassified	3.67%
8	VBK	VANGUARD INDEX FDS	Unclassified	3.35%
9	VWO	VANGUARD INTL EQUITY INDEX F	Unclassified	2.74%
10	VSS	VANGUARD INTL EQUITY INDEX F	Unclassified	2.56%

48/122 names classified · sector 5.5% of weight · industry 5.3% · mkt cap 5.5%; unclassified names shown, never dropped.

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

top 5/sector, rest → “Other” · 20 quarters

IndustrialsNSC, CSX, UNP, RTX, URI

Consumer DiscretionaryAMZN, FERG, LOW, WMT, TSLA · other

Information TechnologyAAPL, MSFT, GE, DHR, GEV · other

FinancialsTFC, BRK.B, TPL, NKSH, COF · other

MaterialsNKE, STLD, PG, GLW

Health CareEW, JNJ, PFE, ABT, MDT · other

EnergyXOM, CVX

Consumer StaplesCVS, PM, MDLZ, PEP, MO

Communication ServicesGOOG, GOOGL, META

Real Estate

UtilitiesD, WMB, SO, DUK

UnclassifiedBND, VUG, VTV, BNDX, VEA · 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: 5.5% 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 (47 classified)Partners in Financial Planning centroid (Large Core)

Consumer DiscretionaryInformation TechnologyIndustrialsEnergyFinancialsMaterialsHealth CareCommunication ServicesConsumer StaplesUtilitiesReal Estate

Style box summary for Partners in Financial Planning: centroid Large Core. Heaviest cells: Large Value 1.9%, Large Growth 1.5%, Large Core 0.7%.

Classified: 5.3% of book weight (47/122 names) · unclassified 94.7%: BND, VTV, VUG, BNDX, VEA, BSV, VBR, VBK, VWO, VSS +65 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· 122 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	BNDVANGUARD BD INDEX FDS	1,046,572	$77M	12.8%	ADD 6%
2	VTVVANGUARD INDEX FDS	307,188	$60M	10.0%	HOLD
3	VUGVANGUARD INDEX FDS	136,346	$60M	9.9%	HOLD
4	BNDXVANGUARD CHARLOTTE FDS	1,236,589	$59M	9.9%	ADD 6%
5	VEAVANGUARD TAX-MANAGED FDS	789,474	$51M	8.4%	HOLD
6	BSVVANGUARD BD INDEX FDS	477,374	$37M	6.2%	ADD 3%
7	VBRVANGUARD INDEX FDS	101,889	$22M	3.7%	HOLD
8	VBKVANGUARD INDEX FDS	66,835	$20M	3.4%	HOLD
9	VWOVANGUARD INTL EQUITY INDEX F	305,861	$17M	2.7%	HOLD
10	VSSVANGUARD INTL EQUITY INDEX F	105,728	$15M	2.6%	HOLD
11	VNQVANGUARD INDEX FDS	157,522	$14M	2.3%	HOLD
12	SPDWSPDR INDEX SHS FDS	289,975	$13M	2.2%	HOLD
13	VTEBVANGUARD MUN BD FDS	236,605	$12M	2.0%	ADD 3%
14	VTIVANGUARD INDEX FDS	35,101	$11M	1.9%	HOLD
15	SUBISHARES TR	102,201	$11M	1.8%	HOLD
16	VCITVANGUARD SCOTTSDALE FDS	97,374	$8M	1.3%	ADD 4%
17	MUBISHARES TR	64,347	$7M	1.1%	ADD 15%
18	VOOVANGUARD INDEX FDS	10,919	$7M	1.1%	ADD 3%
19	SPYGSPDR SERIES TRUST STATE STREET SPD	42,827	$4M	0.7%	HOLD
20	VOVANGUARD INDEX FDS	14,080	$4M	0.7%	HOLD
21	SPYVSPDR SERIES TRUST	70,158	$4M	0.7%	HOLD
22	SCZISHARES TR	49,851	$4M	0.6%	HOLD
23	SPEMSPDR INDEX SHS FDS	71,261	$3M	0.6%	ADD 4%
24	VXFVANGUARD INDEX FDS	15,971	$3M	0.5%	HOLD
25	IAGGISHARES TR	62,001	$3M	0.5%	ADD 4%
26	SLYVSPDR SERIES TRUST	31,721	$3M	0.5%	HOLD
27	VFMFVANGUARD WELLINGTON FD	19,332	$3M	0.5%	HOLD
28	SPABSPDR SERIES TRUST	105,235	$3M	0.4%	ADD 3%
29	NSCNORFOLK SOUTHN CORP	9,376	$3M	0.4%	HOLD
30	VVVANGUARD INDEX FDS	8,706	$3M	0.4%	HOLD
31	XOMEXXON MOBIL CORP	12,623	$2M	0.4%	HOLD
32	VEUVANGUARD INTL EQUITY INDEX F	26,774	$2M	0.3%	HOLD
33	SLYGSPDR SERIES TRUST	18,690	$2M	0.3%	HOLD
34	VBVANGUARD INDEX FDS	6,715	$2M	0.3%	HOLD
35	CVXCHEVRON CORP NEW	7,633	$2M	0.3%	HOLD
36	AAPLAPPLE INC	6,146	$2M	0.3%	TRIM −6%
37	SPTSSPDR SERIES TRUST	49,979	$1M	0.2%	HOLD
38	VXUSVANGUARD STAR FDS	18,531	$1M	0.2%	HOLD
39	IWFISHARES TR	3,312	$1M	0.2%	HOLD
40	BIVVANGUARD BD INDEX FDS	18,120	$1M	0.2%	HOLD
41	VNQIVANGUARD INTL EQUITY INDEX F	29,732	$1M	0.2%	HOLD
42	LRGFISHARES TR	18,917	$1M	0.2%	HOLD
43	DFATDIMENSIONAL ETF TRUST	19,138	$1M	0.2%	HOLD
44	STLDSTEEL DYNAMICS INC	6,632	$1M	0.2%	TRIM −5%
45	AMZNAMAZON COM INC	5,707	$1M	0.2%	TRIM −3%
46	FERGFERGUSON ENTERPRISES INC	5,033	$1M	0.2%	HOLD
47	TSLATESLA INC	3,066	$1M	0.2%	HOLD
48	EFAISHARES TR	11,183	$1M	0.2%	TRIM −4%
49	TPLTEXAS PACIFIC LAND CORPORATI	2,142	$1M	0.2%	HOLD
50	MSFTMICROSOFT CORP	2,623	$970,813	0.2%	HOLD
51	EWEDWARDS LIFESCIENCES CORP	11,584	$927,647	0.2%	HOLD
52	IVVISHARES TR	1,417	$925,553	0.2%	HOLD
53	IWDISHARES TR	4,165	$889,953	0.1%	HOLD
54	GEVGE VERNOVA INC	993	$866,550	0.1%	ADD 7%
55	DFAXDIMENSIONAL ETF TRUST	24,914	$846,324	0.1%	HOLD
56	IEFAISHARES TR	9,056	$819,831	0.1%	HOLD
57	DFACDIMENSIONAL ETF TRUST	20,900	$812,166	0.1%	HOLD
58	BRK.BBERKSHIRE HATHAWAY INC DEL	1,674	$802,181	0.1%	HOLD
59	VBILVANGUARD INSTL INDEX FD	10,515	$795,483	0.1%	ADD 49%
60	WMTWALMART INC	6,377	$792,534	0.1%	HOLD
61	TFCTRUIST FINL CORP	17,071	$784,776	0.1%	ADD 15%
62	GOOGALPHABET INC	2,736	$784,724	0.1%	ADD 4%
63	NKSHNATIONAL BANKSHARES INC VA	21,431	$780,297	0.1%	HOLD
64	GEGE AEROSPACE	2,746	$779,333	0.1%	ADD 6%
65	DFNMDIMENSIONAL ETF TRUST	15,960	$764,978	0.1%	NEW
66	GOOGLALPHABET INC	2,349	$675,502	0.1%	HOLD
67	PMPHILIP MORRIS INTL INC	4,066	$672,272	0.1%	HOLD
68	JNJJOHNSON & JOHNSON	2,667	$651,836	0.1%	ADD 3%
69	CSXCSX CORP	15,816	$649,247	0.1%	HOLD
70	STXSEAGATE TECHNOLOGY HLDNGS PL	1,600	$626,816	0.1%	HOLD
71	SPYSTATE STR SPDR S&P 500 ETF T	923	$600,338	0.1%	HOLD
72	DFAEDIMENSIONAL ETF TRUST	17,544	$594,039	0.1%	ADD 19%
73	PGPROCTER AND GAMBLE CO	4,098	$591,889	0.1%	HOLD
74	AGGISHARES TR	5,714	$567,183	0.1%	HOLD
75	LOWLOWES COS INC	2,399	$566,801	0.1%	ADD 2%
76	DFSVDIMENSIONAL ETF TRUST	14,362	$503,253	0.1%	ADD 14%
77	GLWCORNING INC	3,631	$493,707	0.1%	HOLD
78	DFIVDIMENSIONAL ETF TRUST	8,735	$461,031	0.1%	HOLD
79	CAHCARDINAL HEALTH INC	2,163	$457,064	0.1%	HOLD
80	MCDMCDONALDS CORP	1,412	$438,883	0.1%	TRIM −12%
81	IWSISHARES TR	2,916	$425,022	0.1%	HOLD
82	CVSCVS HEALTH CORP	5,888	$422,876	0.1%	HOLD
83	NKENIKE INC	7,976	$421,288	0.1%	HOLD
84	DFISDIMENSIONAL ETF TRUST	12,411	$417,878	0.1%	HOLD
85	UDRUDR INC	12,368	$417,791	0.1%	HOLD
86	IWPISHARES TR	3,205	$410,563	0.1%	HOLD
87	IJRISHARES TR	3,217	$399,913	0.1%	ADD 40%
88	IVWISHARES TR	3,509	$396,944	0.1%	TRIM −2%
89	FNDXSCHWAB STRATEGIC TR	13,904	$387,226	0.1%	NEW
90	IJHISHARES TR	5,617	$379,297	0.1%	ADD 3%
91	VCRBVANGUARD MALVERN FDS	4,878	$377,463	0.1%	HOLD
92	DHRDANAHER CORP DEL	1,954	$370,034	0.1%	ADD 3%
93	METAMETA PLATFORMS INC	624	$357,009	0.1%	HOLD
94	AVGOBROADCOM INC	1,112	$344,175	0.1%	HOLD
95	EEMISHARES TR	5,991	$340,241	0.1%	TRIM −2%
96	VOTVANGUARD INDEX FDS	1,316	$338,555	0.1%	HOLD
97	IQLTISHARES TR	7,096	$328,048	0.1%	NEW
98	DFAIDIMENSIONAL ETF TRUST	8,100	$315,564	0.1%	NEW
99	SCHZSCHWAB STRATEGIC TR	13,387	$310,837	0.1%	HOLD
100	RTXRTX CORPORATION	1,577	$304,203	0.1%	HOLD
101	WMBWILLIAMS COS INC	4,045	$294,395	0.0%	HOLD
102	CARECARTER BANKSHARES INC	12,520	$291,966	0.0%	TRIM −3%
103	UNPUNION PAC CORP	1,200	$291,144	0.0%	HOLD
104	IVEISHARES TR	1,361	$287,398	0.0%	HOLD
105	ABTABBOTT LABS	2,799	$287,343	0.0%	HOLD
106	ABBVABBVIE INC	1,317	$286,382	0.0%	HOLD
107	COFCAPITAL ONE FINL CORP	1,545	$281,854	0.0%	TRIM −6%
108	SLVISHARES SILVER TR	4,025	$274,264	0.0%	ADD 8%
109	IEMGISHARES INC	3,924	$273,723	0.0%	ADD 13%
110	AOAISHARES TR	2,919	$258,297	0.0%	HOLD
111	PFEPFIZER INC	8,604	$241,608	0.0%	HOLD
112	IWNISHARES TR	1,261	$239,097	0.0%	HOLD
113	SOSOUTHERN CO	2,386	$230,297	0.0%	HOLD
114	IWVISHARES TR	611	$226,485	0.0%	HOLD
115	MOALTRIA GROUP INC	3,400	$224,366	0.0%	NEW
116	AUBATLANTIC UN BANKSHARES CORP	6,250	$223,385	0.0%	HOLD
117	MDLZMONDELEZ INTL INC	3,707	$213,671	0.0%	NEW
118	VGITVANGUARD SCOTTSDALE FDS	3,543	$210,976	0.0%	HOLD
119	VGKVANGUARD INTL EQUITY INDEX F	2,525	$208,124	0.0%	HOLD
120	URIUNITED RENTALS INC	280	$203,997	0.0%	HOLD
121	PEPPEPSICO INC	1,309	$203,216	0.0%	NEW
122	DFARDIMENSIONAL ETF TRUST	8,517	$201,438	0.0%	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

BNDVANGUARD BD INDEX FDS

854K

865K

900K

966K

984K

1.0M

$77M

VTVVANGUARD INDEX FDS

295K

304K

301K

305K

307K

$60M

VUGVANGUARD INDEX FDS

144K

145K

142K

139K

134K

136K

$60M

BNDXVANGUARD CHARLOTTE FDS

940K

972K

1.0M

1.1M

1.2M

$59M

VEAVANGUARD TAX-MANAGED FDS

764K

819K

779K

775K

777K

789K

$51M

BSVVANGUARD BD INDEX FDS

420K

432K

449K

457K

465K

477K

$37M

VBRVANGUARD INDEX FDS

94K

98K

101K

100K

102K

$22M

VBKVANGUARD INDEX FDS

63K

65K

67K

66K

67K

$20M

VWOVANGUARD INTL EQUITY INDEX F

299K

312K

306K

304K

307K

306K

$17M

VSSVANGUARD INTL EQUITY INDEX F

102K

106K

107K

106K

107K

106K

$15M

VNQVANGUARD INDEX FDS

148K

151K

153K

155K

156K

158K

$14M

SPDWSPDR INDEX SHS FDS

215K

214K

287K

290K

$13M

VTEBVANGUARD MUN BD FDS

209K

217K

238K

225K

230K

237K

$12M

VTIVANGUARD INDEX FDS

36K

35K

$11M

SUBISHARES TR

85K

84K

91K

98K

100K

102K

$11M

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.

☆Partners in Financial Planning

Implied return what this book implies · modeled, not advice methodology →

Exposures · what this manager owns, by sector & size (2026-Q1)

By sector

By market cap

By region

By industry group GICS — finer than sector

Top holdings

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

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

Contribution holdings-based, any period

Holdings· 122 positions (2026-Q1) · largest first · Δ vs 2025-Q4

Position trends· top 15 holdings · shares held over 6 quarters

Related· where to look next

Partners in Financial Planning