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Portfolio (Quarterly) Guide ↗

Lutz Financial Services LLC

· CIK 0001737112
13F Portfolio $1.5B AUM 102 positions Filed Feb 6, 2026 EDGAR ↗ ← All Funds
Q4 2025 Q3 2025 · All 7 New 41 Added 34 Reduced 1 Exited
Page 2 of 2  ·  34 positions
# Ticker Company Sector Shares Value ↓ % Port Chg Shares Chg % Period Price ① Since Period ①
21 FNDF SCHWAB STRATEGIC TR 33,329.0 $1.5M 0.10% -424.0 -1.3% $45.21 +18.0%
22 MSFT MICROSOFT CORP Technology 3,017.0 $1.5M 0.10% -103.0 -3.3% $483.62 -13.5%
23 VTI VANGUARD INDEX FDS 3,513.0 $1.2M 0.08% -22.0 -0.6% $335.31 +9.4%
24 VO VANGUARD INDEX FDS 3,924.0 $1.1M 0.08% -89.0 -2.2% $290.22 -73.1%
25 IWD ISHARES TR 4,171.0 $877K 0.06% -29.0 -0.7% $210.34 +12.4%
26 GOOGL ALPHABET INC Communication Services 2,183.0 $683K 0.05% -503.0 -18.7% $313.00 +22.4%
27 SCHG SCHWAB STRATEGIC TR 19,334.0 $631K 0.04% -1K -5.2% $32.62 +5.4%
28 GOOG ALPHABET INC Communication Services 1,831.0 $575K 0.04% -406.0 -18.1% $313.80 +20.9%
29 JPM JPMORGAN CHASE & CO. Financial Services 1,374.0 $443K 0.03% -160.0 -10.4% $322.22 -4.9%
30 VT VANGUARD INTL EQUITY INDEX F 2,988.0 $421K 0.03% -94.0 -3.0% $141.05 +10.3%
31 VCIT VANGUARD SCOTTSDALE FDS 3,616.0 $303K 0.02% -500.0 -12.2% $83.74 -1.8%
32 WMT WALMART INC Consumer Defensive 2,204.0 $246K 0.02% -242.0 -9.9% $111.41 +8.0%
33 V VISA INC Financial Services 660.0 $231K 0.02% -90.0 -12.0% $350.71 -6.2%
34 MA MASTERCARD INCORPORATED Financial Services 354.0 $202K 0.01% -43.0 -10.8% $570.88 -12.7%
Page 2 of 2  ·  34 positions

Period Price is the implied market price on the last day of the reporting period, calculated as reported value ÷ shares held. It is not the fund's purchase price or cost basis — the fund may have initiated or added to the position at any point during the quarter at a different price. Since Period shows the price change from that quarter-end snapshot to today's last price — it reflects stock movement after the report date, not the fund's actual return.

Sector Allocation
Financial Services 86.8%
Technology 8.3%
Communication Services 2.7%
Consumer Cyclical 1.3%
Healthcare 0.5%
Consumer Defensive 0.4%