Data as of Q4 2025 (Dec 31, 2025)

PENNEY FINANCIAL, LLC

•CIK: 2049857•Filing: Q4 2025

**PENNEY FINANCIAL, LLC** manages $259M across a diversified portfolio of 49 positions. The strategy exhibits significant allocations to core US equities, notably GSLC ($62.6M) and VTI ($41.6M). Fixed income exposure is notable, with substantial holdings in SGOV ($18.4M) and JPIE ($9.3M). The remaining portfolio balances international diversification (VEA, IEFA) with dividend-focused and tactical plays (VYM, SCHD).

Total AUM
$259.1M
QoQ Performance
+16.0%
Positions
33
Top 10 Concentration
75.6%
Latest Filing
Q4 2025

Top Holdings Allocation

GSLC
VTI
VEA
SGOV
GSLC24.1%
VTI16.1%
VEA8.2%
SGOV7.1%
IEFA4.5%
JPIE3.6%
VYM3.4%
SCHD3.2%

📈 Biggest Buys

SGOV
ISHARES TR
+55.9%
7.1% of portfolio
GSLC
GOLDMAN SACHS ETF TR
+8.4%
24.1% of portfolio
FLMI
FRANKLIN TEMPLETON ETF TR
+240.3%
2.5% of portfolio
CGMU
CAPITAL GRP FIXED INCM ETF T
+179.2%
1.7% of portfolio
DFNM
DIMENSIONAL ETF TRUST
+178.2%
1.6% of portfolio

📉 Biggest Sells

AMZN
AMAZON COM INC
-5.3%
0.3% of portfolio
IJH
ISHARES TR
-14.4%
0.1% of portfolio

Sector Breakdown

Other96.7%
Technology1.6%
ETF0.9%
Consumer0.3%
Financial0.2%
Industrial0.1%
Healthcare0.1%
Energy0.1%

🚪 Exited Positionssold since Q3 2025

SHYM
BLACKROCK ETF TRUST II
SOLD
$609.9K
XLK
SELECT SECTOR SPDR TR
SOLD
$202.9K

Changes from Q3 2025

NEW2 new positions
↑25 increased
↓2 decreased

Historical Filings

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

📌 Top Holdings

GSLC24.1%
GOLDMAN SACHS ETF TR
$62.6M
VTI16.1%
VANGUARD INDEX FDS
$41.6M
VEA8.2%
VANGUARD TAX-MANAGED FDS
$21.4M
SGOV7.1%
ISHARES TR
$18.4M
IEFA4.5%
ISHARES TR
$11.8M

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