Data as of Q4 2025 (Dec 31, 2025)

Lutz Financial Services LLC

•CIK: 1737112•Filing: Q4 2025

**Lutz Financial Services LLC** manages $1.5B across a diversified portfolio of 102 positions. The fund exhibits a significant allocation to broad market indices, notably holding VOO at $159.0M and SPYV at $135.7M. Further concentration is visible in fixed income and sector-specific ETFs, including BND ($101.0M) and VTEB ($74.8M). This structure suggests a core mandate focused on capturing systematic returns across major asset classes.

Total AUM
$1.5B
QoQ Performance
+6.4%
Positions
35
Top 10 Concentration
59.0%
Latest Filing
Q4 2025

Top Holdings Allocation

VOO
SPYV
IJH
BND
VTEB
VOO10.8%
SPYV9.2%
IJH7.1%
BND6.9%
VTEB5.1%
MDYV4.5%
VCSH4.4%
SCHP4.0%

📈 Biggest Buys

VTEB
VANGUARD MUN BD FDS
+11.3%
5.1% of portfolio
BND
VANGUARD BD INDEX FDS
+7.8%
6.9% of portfolio
SPYV
SPDR SERIES TRUST
+5.4%
9.2% of portfolio
IJH
ISHARES TR
+6.0%
7.1% of portfolio
VCSH
VANGUARD SCOTTSDALE FDS
+9.9%
4.4% of portfolio

📉 Biggest Sells

SPY
SPDR S&P 500 ETF TR
-4.1%
3.1% of portfolio
SUB
ISHARES TR
-12.1%
0.4% of portfolio
IVE
ISHARES TR
-2.6%
1.5% of portfolio
STPZ
PIMCO ETF TR
-7.9%
0.3% of portfolio
AAPL
APPLE INC
-14.6%
0.1% of portfolio

Sector Breakdown

Other84.1%
ETF15.0%
Technology0.5%
Financial0.3%
Consumer0.1%
Healthcare0.0%

🚪 Exited Positionssold since Q3 2025

ORCL
ORACLE CORP
SOLD
$240.5K

Changes from Q3 2025

NEW7 new positions
↑44 increased
↓38 decreased

Historical Filings

Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023

📌 Top Holdings

VOO10.8%
VANGUARD INDEX FDS
$159.0M
SPYV9.2%
SPDR SERIES TRUST
$135.7M
IJH7.1%
ISHARES TR
$104.2M
BND6.9%
VANGUARD BD INDEX FDS
$101.0M
VTEB5.1%
VANGUARD MUN BD FDS
$74.8M

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