OLIO Financial Planning
Reported holdings as of Q3 2026, from 20 quarterly filings.
Holdings
Download these holdings as CSV
| Security | Ticker | Value | Shares | Weight | Weight change | Held | Change |
|---|---|---|---|---|---|---|---|
| DIMENSIONAL ETF TRUST | DFUS | $73.9M | 889,894 | +0.15pp | 19q | -0.8%-$575.8K | |
| VANGUARD INDEX FDS | VTV | $73.6M | 340,696 | -0.04pp | 20q | HELD | |
| VANGUARD TAX-MANAGED FDS | VEA | $58.8M | 832,964 | -0.05pp | 20q | HELD | |
| FIDELITY MERRIMACK STR TR | FBND | $48.8M | 1,127,218 | -0.09pp | 19q | +3.9%+$1.9M | |
| VANGUARD INDEX FDS | VTI | $41.2M | 110,189 | -0.10pp | 20q | -2.4%-$1.0M | |
| VANGUARD INDEX FDS | VOE | $20.4M | 104,553 | +0.06pp | 20q | +1.9%+$386.4K | |
| DIMENSIONAL ETF TRUST | DFAT | $15.7M | 235,909 | -0.15pp | 15q | +0.9%+$139.9K | |
| VANGUARD INTL EQUITY INDEX F | VEU | $11.2M | 135,513 | -0.22pp | 20q | -6.7%-$801.5K | |
| SCHWAB STRATEGIC TR | SCHD | $5.2M | 160,174 | +0.03pp | 20q | -0.7%-$39.1K | |
| VANGUARD MUN BD FDS | VTEB | $4.2M | 89,287 | -0.02pp | 20q | +4.4%+$178.6K | |
| SPDR INDEX SHS FDS | SPEM | $3.8M | 73,199 | +0.04pp | 8q | +3.9%+$143.9K | |
| APPLE INC | AAPL | $3.5M | 10,432 | +0.12pp | 20q | HELD | |
| SPDR SERIES TRUST | SPSB | $3.0M | 102,027 | +0.09pp | 8q | +14.3%+$376.8K | |
| VANGUARD INDEX FDS | VBR | $3.0M | 12,862 | -0.07pp | 20q | -4.4%-$137.9K | |
| ISHARES TR | ESGD | $2.2M | 21,773 | flat | 20q | HELD | |
| VANGUARD INTL EQUITY INDEX F | VWO | $2.2M | 37,254 | -0.01pp | 20q | -0.7%-$15.2K | |
| VANGUARD STAR FDS | VXUS | $2.1M | 24,315 | flat | 20q | HELD | |
| ISHARES TR | ESGU | $1.7M | 10,381 | +0.01pp | 20q | HELD | |
| VANGUARD INDEX FDS | VOO | $1.6M | 2,224 | flat | 14q | -2.3%-$36.5K | |
| VANGUARD INDEX FDS | VO | $1.4M | 17,413 | -0.01pp | 20q | HELD | |
| SCHWAB STRATEGIC TR | SCHE | $1.2M | 33,870 | -0.01pp | 20q | -4.9%-$63.0K | |
| J P MORGAN EXCHANGE TRADED F | JMST | $1.1M | 21,176 | +0.01pp | 17q | +5.0%+$50.8K | |
| ISHARES INC | EMXC | $988.1K | 9,973 | -0.02pp | 19q | -4.4%-$45.3K | |
| BERKSHIRE HATHAWAY INC DEL | BRKB | $976.5K | 1,961 | +0.01pp | 20q | +3.7%+$34.9K | |
| SPDR SERIES TRUST | SPTM | $933.6K | 10,142 | flat | 20q | HELD | |
| ISHARES INC | ESGE | $902.5K | 16,663 | flat | 20q | -1.5%-$13.4K | |
| AMAZON COM INC | AMZN | $886.5K | 3,558 | +0.01pp | 20q | HELD | |
| NVIDIA CORPORATION | NVDA | $886.2K | 3,880 | +0.03pp | 8q | HELD | |
| INVESCO QQQ TR | QQQ | $771.6K | 1,043 | flat | 19q | HELD | |
| SCHWAB STRATEGIC TR | SCHB | $726.3K | 24,779 | flat | 14q | HELD | |
| ADVANCED MICRO DEVICES INC | AMD | $680.9K | 1,113 | +0.01pp | 4q | HELD | |
| MICROSOFT CORP | MSFT | $619.3K | 1,208 | +0.04pp | 20q | -0.6%-$3.6K | |
| SPDR GOLD TR | GLD | $617.0K | 1,620 | +0.01pp | 20q | HELD | |
| BOOZ ALLEN HAMILTON HLDG COR | BAH | $615.1K | 8,860 | +0.03pp | 20q | +8.6%+$48.6K | |
| AEGON LTD | AEG | $612.8K | 71,009 | flat | 8q | HELD | |
| ISHARES TR | AGG | $533.6K | 5,644 | - | new | NEW | |
| JPMORGAN CHASE & CO | JPM | $509.1K | 1,539 | -0.04pp | 8q | -23.6%-$157.4K | |
| ISHARES TR | IVV | $497.9K | 650 | flat | 20q | HELD | |
| INTUITIVE SURGICAL INC | ISRG | $477.8K | 1,175 | flat | 7q | HELD | |
| STATE STR SPDR S&P 500 ETF T | SPY | $467.5K | 613 | +0.04pp | 7q | +43.9%+$142.6K | |
| ISHARES TR | ESML | $459.6K | 8,838 | -0.03pp | 8q | -13.8%-$73.5K | |
| SELECT SECTOR SPDR TR | XLK | $447.1K | 2,284 | flat | 14q | +0.5%+$2.3K | |
| ISHARES TR | ITOT | $436.3K | 2,624 | flat | 8q | HELD | |
| ALPHABET INC | GOOGL | $435.2K | 1,265 | flat | 4q | HELD | |
| META PLATFORMS INC | META | $426.7K | 588 | +0.02pp | 8q | HELD | |
| ISHARES TR | SUSA | $414.4K | 2,662 | flat | 6q | HELD | |
| RTX CORPORATION | RTX | $400.6K | 2,158 | flat | 8q | HELD | |
| Dominion Energy, Inc. | D | $399.7K | 6,604 | -0.01pp | 13q | +0.9%+$3.6K | |
| APPLIED MATLS INC | AMAT | $396.3K | 775 | -0.04pp | 3q | HELD | |
| CARLISLE COS INC | CSL | $385.3K | 1,196 | -0.01pp | 8q | HELD | |
| ISHARES TR | MUB | $384.7K | 3,805 | -0.04pp | 20q | -22.6%-$112.2K | |
| GLADSTONE COMMERCIAL CORP | GOOD | $366.8K | 29,050 | flat | 20q | HELD | |
| ALPHABET INC | GOOG | $364.4K | 1,070 | flat | 8q | +4.2%+$14.6K | |
| SPDR INDEX SHS FDS | SPDW | $342.9K | 6,829 | -0.01pp | 14q | -12.2%-$47.8K | |
| SCIENCE APPLICATIONS INTL CO | SAIC | $333.6K | 2,615 | +0.01pp | 4q | HELD | |
| INVESCO EXCHANGE TRADED FD T | RSPT | $325.2K | 4,937 | flat | 6q | HELD | |
| EXXONMOBIL HOLDINGS CORP | XOM | $303.7K | 1,866 | - | new | NEW | |
| CHEVRON CORPORATION | CVX | $283.2K | 1,387 | +0.01pp | 4q | +0.5%+$1.4K | |
| NORFOLK SOUTHN CORP | NSC | $255.6K | 827 | -0.01pp | 6q | -13.8%-$40.8K | |
| SPDR SERIES TRUST | SPAB | $254.5K | 10,449 | +0.01pp | 7q | +19.0%+$40.7K | |
| COSTCO WHOLESALE CORPORATION | COST | $253.9K | 279 | flat | 8q | HELD | |
| ISHARES TR | IEFA | $247.6K | 2,556 | - | new | NEW | |
| ISHARES BITCOIN TRUST ETF | IBIT | $243.3K | 5,140 | - | new | NEW | |
| DIMENSIONAL ETF TRUST | DFUV | $234.8K | 4,268 | flat | 12q | HELD | |
| VANGUARD BD INDEX FDS | BSV | $218.4K | 2,859 | flat | 20q | +4.6%+$9.7K | |
| WALMART INC | WMT | $210.1K | 2,022 | flat | 4q | HELD | |
| VANGUARD INDEX FDS | VB | $207.2K | 728 | flat | 2q | HELD | |
| KROGER CO | KR | $200.1K | 3,414 | - | new | NEW | |
| MANHATTAN BRDG CAP INC | LOAN | $50.8K | 50,837 | flat | 8q | -14.7%-$8.7K | |
| NORTHERN DYNASTY MINERALS LT | NAK | $30.7K | 22,420 | flat | 4q | HELD |
By sector
Industry comes from the SIC code on each company's own SEC filings, which is self-reported and sometimes out of date. Derivative exposure is counted with the shares. Securities the SEC assigns no industry - funds, trusts, foreign issues - are shown as not classified rather than dropped.
| Sector | Value | Share |
|---|---|---|
| Computer Hardware | $3.5M | 0.9% |
| Other sectors | $12.7M | 3.2% |
| Not classified | $385.8M | 96.0% |
What the disclosed book did
This is not the fund's return. A 13F shows long US equity positions only, so shorts, bonds, foreign listings, private holdings and cash are all invisible here. What this measures is the quarter's change in value of the positions this manager disclosed, had they been left untouched - the return a reader following the filing would have earned.
| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q3 2026 | -0.7% | +2.1% | -2.8% | 100% |
| Q2 2026 | +10.4% | +14.8% | -4.4% | 100% |
| Q1 2026 | -0.2% | -4.6% | +4.5% | 100% |
| Q4 2025 | +2.0% | +2.4% | -0.4% | 100% |
| Q3 2025 | +5.8% | +7.8% | -2.0% | 100% |
| Q2 2025 | +6.6% | +10.5% | -3.9% | 100% |
| Q1 2025 | -0.5% | -4.6% | +4.0% | 100% |
| Q4 2024 | -2.6% | +2.1% | -4.7% | 112% |
Market is SPY over the same two quarter ends, priced the same way as everything else here - the median across every filer reporting it. It is a large-cap US proxy, so a manager holding small caps or biotech will beat or trail it for reasons that are not skill. Prices are quarter-end to quarter-end and say nothing about the path in between, or about trades opened and closed inside a quarter.
Quarter by quarter
| Quarter | Value | Positions | New | Added | Trimmed | Exited | Top 10 | Days to file |
|---|---|---|---|---|---|---|---|---|
| Q3 2026 | $401.9M | 70 | 5 | 16 | 17 | 3 | 87.9% | 22 |
| Q2 2026 | $403.1M | 68 | 1 | 14 | 25 | 5 | 88.3% | 17 |
| Q1 2026 | $361.0M | 72 | 2 | 22 | 22 | 1 | 87.7% | 14 |
| Q4 2025 | $356.5M | 71 | 8 | 26 | 18 | 4 | 87.6% | 21 |
| Q3 2025 | $340.9M | 67 | 3 | 19 | 23 | 0 | 87.5% | 16 |
| Q2 2025 | $317.1M | 64 | 5 | 18 | 21 | 0 | 87.4% | 9 |
| Q1 2025 | $289.3M | 59 | 3 | 25 | 16 | 3 | 87.2% | 11 |
| Q4 2024 | $284.7M | 59 | 15 | 17 | 23 | 8 | 84.8% | 21 |
| Q3 2024 | $237.7M | 52 | 0 | 4 | 0 | 0 | 79.4% | 16 |
| Q2 2024 | $237.1M | 52 | 0 | 0 | 4 | 0 | 79.4% | 12 |
| Q1 2024 | $237.7M | 52 | 0 | 0 | 9 | 0 | 79.4% | 16 |
| Q4 2023 | $238.8M | 52 | 4 | 18 | 17 | 5 | 79.4% | 10 |
| Q3 2023 | $213.0M | 53 | 8 | 24 | 9 | 2 | 78.1% | 19 |
| Q2 2023 | $211.0M | 47 | 6 | 25 | 7 | 1 | 79.0% | 14 |
| Q1 2023 | $193.4M | 42 | 2 | 20 | 15 | 1 | 79.3% | 11 |
| Q4 2022 | $184.0M | 41 | 1 | 17 | 16 | 2 | 79.5% | 13 |
| Q3 2022 | $168.4M | 42 | 2 | 12 | 14 | 3 | 79.6% | 19 |
| Q2 2022 | $178.1M | 43 | 0 | 28 | 8 | 4 | 79.5% | 15 |
| Q1 2022 | $174.9M | 47 | 8 | 24 | 10 | 2 | 81.4% | 21 |
| Q4 2021 | $168.4M | 41 | 0 | 0 | 0 | 0 | 85.8% | 31 |
Rows marked UNVERIFIED ID, PLACEHOLDER ID, TICKER AS ID or NON-CUSIP ID carry an identifier that is not a valid CUSIP. They are shown because the filer reported that money, but treat the security named with caution - hover the chip for what is wrong with it, and see the methodology.
Held counts consecutive filings in which this manager reported the position, and can reach further back than the quarters listed above: the tabs begin at Q4 2018 because earlier coverage is too sparse to describe a market, but tenure is counted over every filing we hold, some reaching to 2007. A position sold and later rebought starts again from one.
Weight change is the shift in this position's share of the whole book, in percentage points. It is the more useful column: when money flows into or out of a broad fund, almost every holding is bought or sold at once, so added and trimmed largely track flows. A weight that rose while the book shrank is a decision. Both compare with the previous quarter this filer reported, not the previous calendar quarter.