CERTIOR FINANCIAL GROUP, LLC

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CIK 2055620

13F portfolio (2026-Q1)

$157M

Positions

130

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

130

Top 5

33.1%

Top 10

45.2%

Effective N

30.7

HHI

0.033

This quarter

13 new · 0 exit →

By sector

Unclassified81.3%

Information Technology5.4%

Financials2.0%

Consumer Discretionary1.8%

Health Care1.7%

Industrials1.6%

Utilities1.4%

Real Estate1.3%

Other3.5%

By market cap

Unknown83.3%

Large ($10–200B)7.7%

Mega (>$200B)7.5%

Mid ($2–10B)0.7%

Micro (<$300M)0.7%

Small ($300M–2B)0.1%

By region

Other81.3%

North America17.2%

Europe1.0%

Asia-Pacific0.5%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	81.63%	71
Technology Hardware & Equipment	2.36%	2
Pharmaceuticals & Biotechnology	1.50%	5
Utilities	1.36%	5
Equity Real Estate Investment Trusts (REITs)	1.27%	5
Software	1.20%	3
Banks	1.15%	3
Chemicals	1.04%	3
Oil, Gas & Consumable Fuels	1.03%	2
Semiconductors & Semiconductor Equipment	1.01%	4
Aerospace & Defense	0.68%	1
Commercial Services & Supplies	0.63%	4
Specialty Retail	0.60%	2
Diversified Telecommunication Services	0.54%	1
Capital Markets	0.50%	2
Electrical Equipment & Components	0.41%	2
Software & IT Services	0.35%	2
Machinery	0.31%	1
Hotels, Restaurants & Leisure	0.30%	1
Media & Publishing	0.29%	1
Automobiles & Components	0.28%	1
Distributors	0.26%	1
Tobacco	0.26%	1
Communications Equipment	0.24%	1
Health Care Equipment & Supplies	0.21%	1
Household Durables	0.19%	1
Food Products	0.18%	1
Leisure Products	0.14%	1
Textiles, Apparel & Luxury Goods	0.08%	1
Beverages	0.00%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	BIL	SPDR SERIES TRUST	Unclassified	10.87%
2	SCHG	SCHWAB U.S. LARGE-CAP GROWTH ETF	Unclassified	6.89%
3	SCHD	SCHWAB STRATEGIC TR	Unclassified	6.64%
4	TCAF	T. ROWE PRICE CAPITAL APPRECIATION EQUITY ETF	Unclassified	5.44%
5	SCHA	SCHWAB STRATEGIC TR	Unclassified	3.22%
6	VTEB	VANGUARD MUN BD FDS	Unclassified	3.14%
7	VGT	VANGUARD WORLD FD	Unclassified	2.54%
8	CGDV	CAPITAL GROUP DIVIDEND VALUE	Unclassified	2.33%
9	IVV	ISHARES TR	Unclassified	2.19%
10	AAPL	Apple Inc.	Information Technology	1.97%

60/130 names classified · sector 18.7% of weight · industry 18.4% · mkt cap 16.7%; 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 TechnologyAAPL, MSFT, PLTR, IBM, SAP · other

Health CareMRK, ABBV, GILD, NVS, PFE · other

Consumer DiscretionaryTSLA, AMZN, HD, MCD, WSO · other

IndustrialsLMT, SNA, RSG, RELX, ACN · other

FinancialsMSTR, BRK.B, ARES, COIN, CME · other

Real EstatePECO, MAA, STWD, O, NLY · other

UtilitiesED, OKE, WEC, AWK, NGG · other

MaterialsECL, APD, CBUS, KMB, UL

EnergyXOM, EPM, SHEL

Communication ServicesVZ, GOOG, TRI, META

Consumer StaplesBTI, MKC, HSY, PM, SRXH

UnclassifiedSCHG, SCHD, TCAF, BIL, IVV · 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: 18.7% 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 15% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (46 classified)CERTIOR FINANCIAL GROUP, LLC centroid (Large Core)

Information TechnologyConsumer DiscretionaryIndustrialsHealth CareUtilitiesReal EstateEnergyCommunication ServicesMaterialsFinancialsConsumer Staples

Style box summary for CERTIOR FINANCIAL GROUP, LLC: centroid Large Core. Heaviest cells: Large Growth 4.3%, Large Value 3.5%, Large Core 2.9%.

Classified: 14.8% of book weight (46/130 names) · unclassified 85.2%: BIL, SCHG, SCHD, TCAF, SCHA, VTEB, VGT, CGDV, IVV, HYD +74 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· 130 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	BILSPDR SERIES TRUST	186,296	$17M	10.9%	ADD 330%
2	SCHGSCHWAB U.S. LARGE-CAP GROWTH ETF	371,318	$11M	6.9%	ADD 7%
3	SCHDSCHWAB STRATEGIC TR	339,570	$10M	6.6%	ADD 7%
4	TCAFT. ROWE PRICE CAPITAL APPRECIATION EQUITY ETF	240,151	$9M	5.4%	ADD 6%
5	SCHASCHWAB STRATEGIC TR	173,748	$5M	3.2%	ADD 6%
6	VTEBVANGUARD MUN BD FDS	98,805	$5M	3.1%	ADD 113%
7	VGTVANGUARD WORLD FD	5,719	$4M	2.5%	ADD 6%
8	CGDVCAPITAL GROUP DIVIDEND VALUE	85,915	$4M	2.3%	ADD 12%
9	IVVISHARES TR	5,254	$3M	2.2%	ADD 3%
10	AAPLAPPLE INC	12,180	$3M	2.0%	HOLD
11	HYDVANECK ETF TRUST	57,774	$3M	1.8%	ADD 91%
12	IEFISHARES TR	29,456	$3M	1.8%	ADD 14%
13	SUBISHARES TR	23,989	$3M	1.6%	ADD 65%
14	MUNIPIMCO Intermediate Muni Bd Actv - ETF	47,508	$2M	1.6%	ADD 7%
15	VEAVANGUARD TAX-MANAGED FDS	37,720	$2M	1.5%	ADD 10%
16	VWOVANGUARD INTL EQUITY INDEX F	43,026	$2M	1.5%	ADD 12%
17	WORLD GOLD TR	25,044	$2M	1.5%	TRIM −27%
18	GBTCGRAYSCALE BITCOIN TRUST ETF	42,990	$2M	1.4%	HOLD
19	BSVVANGUARD BD INDEX FDS	28,068	$2M	1.4%	HOLD
20	HGERHARBOR ETF TRUST	70,094	$2M	1.4%	TRIM −29%
21	FSCOFS CREDIT OPPORTUNITIES CORP	362,615	$2M	1.2%	ADD 25%
22	BENJHORIZON FDS	33,083	$2M	1.1%	TRIM −5%
23	VXUSVANGUARD STAR FDS	21,903	$2M	1.1%	TRIM −39%
24	SCHISCHWAB STRATEGIC TR	73,471	$2M	1.1%	HOLD
25	QLTYGMO ETF TRUST	45,279	$2M	1.0%	ADD 23%
26	VTVANGUARD INTL EQUITY INDEX F	11,414	$2M	1.0%	ADD 4%
27	FSSLFS SPECIALTY LENDING FD	125,636	$2M	1.0%	TRIM −10%
28	XOMEXXON MOBIL CORP	7,756	$1M	0.8%	TRIM −3%
29	MSTRSTRATEGY INC	10,485	$1M	0.8%	ADD 552%
30	ARCCARES CAPITAL CORP	72,315	$1M	0.8%	ADD 34%
31	STIPISHARES TR	11,999	$1M	0.8%	TRIM −58%
32	FSKFS KKR CAP CORP	118,425	$1M	0.8%	TRIM −14%
33	CGBLCAPITAL GROUP CORE BALANCED	32,065	$1M	0.7%	ADD 40%
34	LMTLOCKHEED MARTIN CORP	1,754	$1M	0.7%	TRIM −10%
35	GOVTISHARES TR	43,465	$995,783	0.6%	HOLD
36	PDBCINVESCO ACTVELY MNGD ETC FD	57,472	$995,415	0.6%	NEW
37	CGICCAPITAL GROUP INTERNATIONAL	29,249	$968,427	0.6%	ADD 118%
38	CGUSCAPITAL GROUP CORE EQUITY ET	23,496	$902,699	0.6%	HOLD
39	PLTRPALANTIR TECHNOLOGIES INC	6,163	$901,524	0.6%	HOLD
40	PECOPHILLIPS EDISON & CO INC	23,873	$893,339	0.6%	TRIM −6%
41	VZVERIZON COMMUNICATIONS INC	16,979	$852,324	0.5%	HOLD
42	FPAGINVESTMENT MANAGERS SER TR I	23,248	$843,453	0.5%	ADD 128%
43	CGCPCAPITAL GRP FIXED INCM ETF T	36,782	$821,706	0.5%	ADD 3%
44	SDCIUSCF ETF TR	29,954	$815,947	0.5%	NEW
45	AVUVAMERICAN CENTY ETF TR	6,951	$767,877	0.5%	NEW
46	CGGOCAPITAL GROUP GBL GROWTH EQT	22,725	$758,335	0.5%	ADD 4%
47	MSFTMICROSOFT CORP	1,940	$717,983	0.5%	TRIM −3%
48	JEPIJPMorgan Equity Premium Income ETF	11,811	$669,447	0.4%	ADD 49%
49	CBUSCIBUS INC	318,203	$630,042	0.4%	ADD 17%
50	HBTAHORIZON FDS	23,285	$623,594	0.4%	TRIM −5%
51	IBMINTERNATIONAL BUSINESS MACHS	2,553	$618,714	0.4%	HOLD
52	CGGRCAPITAL GROUP GROWTH ETF	15,224	$611,855	0.4%	TRIM −17%
53	EDCONSOLIDATED EDISON INC	4,887	$553,077	0.4%	HOLD
54	GILDGILEAD SCIENCES INC	3,935	$548,352	0.3%	HOLD
55	BRK.BBERKSHIRE HATHAWAY INC DEL	1,130	$541,496	0.3%	TRIM −3%
56	ABBVABBVIE INC	2,479	$539,148	0.3%	ADD 4%
57	ECLECOLAB INC	1,965	$522,729	0.3%	HOLD
58	OKEONEOK INC NEW	5,717	$516,760	0.3%	ADD 4%
59	NVSNOVARTIS AG	3,342	$510,491	0.3%	HOLD
60	SNASNAP ON INC	1,358	$493,210	0.3%	ADD 3%
61	AMZNAMAZON COM INC	2,350	$489,435	0.3%	TRIM −3%
62	WECWEC ENERGY GROUP INC	4,177	$483,535	0.3%	ADD 3%
63	TSMTAIWAN SEMICONDUCTOR MFG LTD	1,420	$479,889	0.3%	ADD 4%
64	MCDMCDONALDS CORP	1,530	$475,584	0.3%	ADD 5%
65	APDAIR PRODS & CHEMS INC	1,636	$475,138	0.3%	ADD 5%
66	FEGERBB FUND TRUST	10,048	$472,256	0.3%	NEW
67	TXNTEXAS INSTRS INC	2,343	$454,870	0.3%	ADD 3%
68	CMECME GROUP INC	1,537	$453,953	0.3%	NEW
69	HDHOME DEPOT INC	1,374	$452,016	0.3%	ADD 4%
70	TRITHOMSON REUTERS CORP	4,985	$448,550	0.3%	NEW
71	SCHFSCHWAB STRATEGIC TR	17,970	$444,747	0.3%	TRIM −9%
72	NVDANVIDIA CORPORATION	2,547	$444,198	0.3%	TRIM −5%
73	TSLATESLA INC	1,187	$441,441	0.3%	TRIM −10%
74	VIGVANGUARD SPECIALIZED FUNDS	1,946	$418,502	0.3%	HOLD
75	WSOWATSCO INC	1,115	$405,531	0.3%	ADD 5%
76	BTIBRITISH AMERN TOB PLC	6,932	$405,336	0.3%	ADD 3%
77	MRKMERCK & CO INC	3,336	$401,232	0.3%	TRIM −53%
78	ARKBARK 21SHARES BITCOIN ETF	17,525	$394,137	0.3%	ADD 17%
79	CEFSEXCHANGE LISTED FDS TR	17,442	$393,317	0.3%	TRIM −4%
80	XHLFBONDBLOXX ETF TRUST	7,775	$391,316	0.2%	HOLD
81	SPYSTATE STR SPDR S&P 500 ETF T	600	$390,288	0.2%	TRIM −22%
82	RYLDGLOBAL X FDS	25,992	$388,580	0.2%	TRIM −4%
83	SCHVSCHWAB STRATEGIC TR	12,567	$383,279	0.2%	TRIM −7%
84	QCOMQUALCOMM INC	2,951	$380,032	0.2%	ADD 4%
85	OREALTY INCOME CORP	6,043	$369,705	0.2%	ADD 4%
86	RSGREPUBLIC SVCS INC	1,676	$367,001	0.2%	ADD 6%
87	JNJJOHNSON & JOHNSON	1,471	$359,583	0.2%	HOLD
88	AWKAMERICAN WTR WKS CO INC NEW	2,634	$358,461	0.2%	ADD 7%
89	SPYINEOS ETF TRUST	7,250	$357,933	0.2%	NEW
90	QYLGGLOBAL X FDS	13,771	$357,357	0.2%	TRIM −3%
91	GEGE AEROSPACE	1,252	$355,318	0.2%	HOLD
92	DIVOAMPLIFY ETF TR	7,906	$354,584	0.2%	NEW
93	MDTMEDTRONIC PLC	3,884	$336,549	0.2%	ADD 5%
94	ARESARES MANAGEMENT CORPORATION	3,076	$335,564	0.2%	ADD 4%
95	MAAMID-AMER APT CMNTYS INC	2,744	$335,097	0.2%	ADD 6%
96	BTCGRAYSCALE BITCOIN MINI TR ET	10,607	$318,104	0.2%	HOLD
97	ADPAUTOMATIC DATA PROCESSING IN	1,549	$314,662	0.2%	ADD 5%
98	SCHXSCHWAB U.S. LARGE-CAP ETF	12,101	$310,272	0.2%	TRIM −14%
99	SHELSHELL PLC	3,251	$302,307	0.2%	ADD 7%
100	APRPPGIM ROCK ETF TR	9,908	$300,016	0.2%	NEW
101	SONYSONY GROUP CORP	14,294	$295,886	0.2%	ADD 7%
102	PDIPIMCO DYNAMIC INCOME FD	17,197	$294,241	0.2%	HOLD
103	BITBBITWISE BITCOIN ETF TR	7,976	$293,597	0.2%	HOLD
104	NWGNATWEST GROUP PLC	19,570	$291,593	0.2%	NEW
105	GEVGE VERNOVA INC	327	$285,475	0.2%	HOLD
106	QQQINVESCO QQQ TR	494	$285,113	0.2%	TRIM −3%
107	HSMVFIRST TR EXCH TRADED FD III	7,830	$283,225	0.2%	TRIM −5%
108	MKCMCCORMICK & CO INC	5,485	$276,688	0.2%	ADD 6%
109	RELXRELX PLC	8,305	$275,311	0.2%	ADD 8%
110	IAUISHARES GOLD TR	3,118	$274,883	0.2%	ADD 12%
111	ACNACCENTURE PLC IRELAND	1,376	$272,847	0.2%	ADD 7%
112	JEPQJ P MORGAN EXCHANGE TRADED F	4,747	$263,553	0.2%	NEW
113	SAPSAP SE	1,528	$261,609	0.2%	ADD 8%
114	IEMGISHARES INC	3,581	$249,775	0.2%	NEW
115	ARKKARK ETF TR	3,639	$245,960	0.2%	HOLD
116	GOOGALPHABET INC	806	$231,309	0.1%	TRIM −12%
117	MDYVSPDR SERIES TRUST	2,696	$229,594	0.1%	TRIM −7%
118	CEGCONSTELLATION ENERGY CORP	818	$228,427	0.1%	HOLD
119	IBDRISHARES TR	9,310	$225,674	0.1%	HOLD
120	ESCAESCALADE INC	12,855	$220,718	0.1%	ADD 4%
121	TCHPT ROWE PRICE ETF INC	4,969	$219,530	0.1%	TRIM −21%
122	COINCOINBASE GLOBAL INC	1,200	$209,532	0.1%	HOLD
123	AVGOBROADCOM INC	672	$207,896	0.1%	TRIM −8%
124	SCHESCHWAB STRATEGIC TR	6,156	$202,854	0.1%	TRIM −13%
125	STWDSTARWOOD PPTY TR INC	11,667	$200,902	0.1%	TRIM −3%
126	PSTLPOSTAL REALTY TRUST INC	10,259	$190,407	0.1%	NEW
127	YYYAMPLIFY ETF TR	13,988	$154,288	0.1%	HOLD
128	SGCSUPERIOR GROUP OF CO INC	11,895	$120,852	0.1%	ADD 9%
129	RGPRESOURCES CONNECTION INC	19,938	$74,368	0.0%	ADD 15%
130	SRXHSRX HEALTH SOLUTIONS INC.	21,398	$2,760	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

BILSPDR SERIES TRUST

60K

45K

56K

15K

43K

186K

$17M

SCHGSCHWAB U.S. LARGE-CAP GROWTH ETF

208K

301K

326K

338K

347K

371K

$11M

SCHDSCHWAB STRATEGIC TR

165K

263K

281K

301K

316K

340K

$10M

TCAFT. ROWE PRICE CAPITAL APPRECIATION EQUITY ETF

150K

198K

210K

218K

226K

240K

$9M

SCHASCHWAB STRATEGIC TR

81K

132K

149K

158K

164K

174K

$5M

VTEBVANGUARD MUN BD FDS

26K

39K

41K

43K

46K

99K

$5M

VGTVANGUARD WORLD FD

$4M

CGDVCAPITAL GROUP DIVIDEND VALUE

62K

66K

63K

75K

77K

86K

$4M

IVVISHARES TR

10K

$3M

AAPLAPPLE INC

15K

14K

13K

12K

$3M

HYDVANECK ETF TRUST

17K

25K

26K

28K

30K

58K

$3M

IEFISHARES TR

23K

22K

26K

29K

$3M

SUBISHARES TR

12K

13K

15K

24K

$3M

MUNIPIMCO Intermediate Muni Bd Actv - ETF

25K

37K

39K

41K

45K

48K

$2M

VEAVANGUARD TAX-MANAGED FDS

19K

29K

31K

32K

34K

38K

$2M

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.

☆CERTIOR FINANCIAL GROUP, LLC