13F HOLDINGS REPORT

Cambridge Advisors Inc.

Quarter ended Q3 2025 · Filed October 15, 2025 · Accession 0001214659-25-014970

Total Value

$511.7M

Positions

169

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (169)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	VANGUARD INDEX FDS	922908363	146,754	$89.9M	17.56%
2	VANGUARD BD INDEX FDS	921937835	694,733	$51.7M	10.10%
3	VANGUARD TAX-MANAGED FDS	921943858	572,312	$34.3M	6.70%
4	ISHARES TR	464287507	295,186	$19.3M	3.76%
5	MICROSOFT CORP	MSFT	28,735	$14.9M	2.91%
6	VANGUARD CHARLOTTE FDS	92203J407	266,346	$13.2M	2.57%
7	VANGUARD INDEX FDS	922908769	37,059	$12.2M	2.38%
8	J P MORGAN EXCHANGE TRADED F	46654Q203	206,939	$11.9M	2.33%
9	BERKSHIRE HATHAWAY INC DEL	BRK-A	15	$11.3M	2.21%
10	J P MORGAN EXCHANGE TRADED F	46641Q332	187,501	$10.7M	2.09%
11	VANGUARD INTL EQUITY INDEX F	922042858	191,727	$10.4M	2.03%
12	VANGUARD SCOTTSDALE FDS	92206C870	118,406	$10.0M	1.95%
13	APPLE INC	AAPL	37,833	$9.6M	1.88%
14	BERKSHIRE HATHAWAY INC DEL	BRK-A	18,190	$9.1M	1.79%
15	SCHWAB STRATEGIC TR	808524300	254,986	$8.1M	1.59%
16	VANGUARD INDEX FDS	922908751	31,896	$8.1M	1.58%
17	VANGUARD SPECIALIZED FUNDS	921908844	34,815	$7.5M	1.47%
18	VANGUARD INDEX FDS	922908553	76,505	$7.0M	1.37%
19	AMGEN INC	AMGN	24,569	$6.9M	1.35%
20	FIDELITY WISE ORIGIN BITCOIN	FBTC	53,706	$5.4M	1.05%
21	FIRST TR EXCHNG TRADED FD VI	33740F755	142,685	$4.8M	0.93%
22	NVIDIA CORPORATION	NVDA	20,217	$3.8M	0.74%
23	SCHWAB STRATEGIC TR	808524797	133,008	$3.6M	0.71%
24	SCHWAB STRATEGIC TR	808524102	136,693	$3.5M	0.69%
25	CATERPILLAR INC	CAT	7,191	$3.4M	0.67%
26	SCHWAB STRATEGIC TR	808524771	130,300	$3.4M	0.67%
27	GOLDMAN SACHS PHYSICAL GOLD	38150K103	89,582	$3.4M	0.67%
28	INNOVATOR ETFS TRUST	INHD	87,544	$3.2M	0.62%
29	ISHARES TR	464287614	6,359	$3.0M	0.58%
30	UNION PAC CORP	UNP	12,563	$3.0M	0.58%
31	CORNING INC	GLW	34,676	$2.8M	0.56%
32	FIRST TR EXCHNG TRADED FD VI	33740F276	141,458	$2.8M	0.55%
33	LOWES COS INC	548661107	10,798	$2.7M	0.53%
34	SPDR S&P 500 ETF TR	SPY	4,072	$2.7M	0.53%
35	J P MORGAN EXCHANGE TRADED F	46641Q837	49,470	$2.5M	0.49%
36	ORACLE CORP	ORCL-PD	8,368	$2.4M	0.46%
37	SPDR S&P MIDCAP 400 ETF TR	MDY	3,894	$2.3M	0.45%
38	JOHNSON & JOHNSON	JNJ	12,028	$2.2M	0.44%
39	SCHWAB STRATEGIC TR	808524805	94,573	$2.2M	0.43%
40	META PLATFORMS INC	META	2,736	$2.0M	0.39%
41	ABBVIE INC	ABBV	8,620	$2.0M	0.39%
42	ACCENTURE PLC IRELAND	ACN	8,030	$2.0M	0.39%
43	ALPHABET INC	GOOG	8,097	$2.0M	0.38%
44	ISHARES TR	464287242	16,390	$1.8M	0.36%
45	DANAHER CORPORATION	235851102	9,096	$1.8M	0.35%
46	FIRST TR EXCHANGE-TRADED FD	33738D101	47,081	$1.8M	0.35%
47	SPDR DOW JONES INDL AVERAGE	78467X109	3,803	$1.8M	0.34%
48	J P MORGAN EXCHANGE TRADED F	46654Q609	18,621	$1.7M	0.34%
49	SCHWAB STRATEGIC TR	808524508	57,671	$1.7M	0.33%
50	FIRST TR EXCHANGE-TRADED FD	33733E104	17,556	$1.6M	0.32%
51	EMCOR GROUP INC	EME	2,514	$1.6M	0.32%
52	ISHARES TR	464287804	13,620	$1.6M	0.32%
53	VANGUARD INTL EQUITY INDEX F	922042676	33,585	$1.6M	0.31%
54	INNOVATOR ETFS TRUST	INHD	30,404	$1.6M	0.31%
55	INVESCO QQQ TR	IVZ	2,633	$1.6M	0.31%
56	JPMORGAN CHASE & CO.	VYLD	4,926	$1.6M	0.30%
57	SCHWAB STRATEGIC TR	808524607	54,429	$1.5M	0.30%
58	ISHARES TR	464287655	6,217	$1.5M	0.29%
59	VANGUARD STAR FDS	921909768	19,867	$1.5M	0.29%
60	ISHARES TR	464287465	15,186	$1.4M	0.28%
61	VISA INC	V	4,097	$1.4M	0.27%
62	VANGUARD SCOTTSDALE FDS	92206C409	17,204	$1.4M	0.27%
63	OREILLY AUTOMOTIVE INC	67103H107	12,750	$1.4M	0.27%
64	SCHWAB STRATEGIC TR	808524763	39,716	$1.2M	0.24%
65	FIRST TR EXCH TRADED FD III	33738D820	55,425	$1.2M	0.23%
66	NOVARTIS AG	NVSEF	8,975	$1.2M	0.22%
67	CISCO SYS INC	CSCO	16,706	$1.1M	0.22%
68	INVESCO EXCHANGE TRADED FD T	IVZ	6,021	$1.1M	0.22%
69	FIRST TR EXCHANGE-TRADED FD	33739Q408	18,696	$1.1M	0.22%
70	AUTOMATIC DATA PROCESSING IN	ADP	3,717	$1.1M	0.21%
71	ILLINOIS TOOL WKS INC	452308109	4,153	$1.1M	0.21%
72	FIRST TR EXCHANGE-TRADED FD	33733E732	63,225	$1.1M	0.21%
73	VANECK ETF TRUST	92189F676	3,265	$1.1M	0.21%
74	ADVISORS INNER CIRCLE FD III	00775Y645	28,237	$1.1M	0.21%
75	FIRST TR EXCHANGE-TRADED FD	33738D846	52,524	$1.0M	0.21%
76	SPDR GOLD TR	GLD	2,877	$1.0M	0.20%
77	SCHWAB STRATEGIC TR	808524201	38,404	$1.0M	0.20%
78	FIRST TR EXCHNG TRADED FD VI	33740F805	22,666	$1.0M	0.20%
79	FIRST TR EXCHANGE TRADED FD	33737A108	6,642	$1.0M	0.20%
80	PROCTER AND GAMBLE CO	742718109	6,441	$989,660	0.19%
81	AMAZON COM INC	AMZN	4,496	$987,187	0.19%
82	SIMPLIFY EXCHANGE TRADED FUN	82889N764	31,565	$985,993	0.19%
83	AMERICAN EXPRESS CO	AXP	2,910	$966,586	0.19%
84	PEPSICO INC	PEP	6,722	$944,038	0.18%
85	ABBOTT LABS	ABLZF	6,745	$903,425	0.18%
86	FIRST TR EXCHANGE TRADED FD	33738R704	9,205	$889,974	0.17%
87	SPDR SERIES TRUST	78468R788	20,031	$881,364	0.17%
88	SIMPLIFY EXCHANGE TRADED FUN	82889N863	47,494	$854,896	0.17%
89	SIMPLIFY EXCHANGE TRADED FUN	82889N525	16,667	$839,166	0.16%
90	EXXON MOBIL CORP	XOM	7,328	$826,283	0.16%
91	SCHWAB STRATEGIC TR	808524862	32,757	$799,271	0.16%
92	ROPER TECHNOLOGIES INC	ROP	1,570	$782,943	0.15%
93	INNOVATOR ETFS TRUST	INHD	22,420	$779,770	0.15%
94	CHEVRON CORP NEW	CVX	4,882	$758,084	0.15%
95	SIMPLIFY EXCHANGE TRADED FUN	82889N640	31,623	$754,204	0.15%
96	RTX CORPORATION	RTX	4,458	$746,037	0.15%
97	UNITEDHEALTH GROUP INC	UNH	2,122	$732,727	0.14%
98	SPDR SERIES TRUST	78464A763	5,146	$720,697	0.14%
99	ALPHABET INC	GOOG	2,824	$687,704	0.13%
100	INTUITIVE SURGICAL INC	ISRG	1,518	$678,895	0.13%
101	MERCK & CO INC	MRK	8,070	$677,351	0.13%
102	ADVISORS INNER CIRCLE FD III	00775Y652	19,561	$673,534	0.13%
103	ISHARES TR	464287705	5,147	$667,669	0.13%
104	ISHARES TR	464287226	6,458	$647,415	0.13%
105	SCHWAB STRATEGIC TR	808524870	23,531	$634,160	0.12%
106	ISHARES TR	464287440	6,571	$633,839	0.12%
107	ISHARES TR	464287200	947	$633,827	0.12%
108	STARBUCKS CORP	SBUX	7,408	$626,738	0.12%
109	COCA COLA CO	KO	9,320	$618,093	0.12%
110	SIMPLIFY EXCHANGE TRADED FUN	82889N699	21,644	$605,385	0.12%
111	SIMPLIFY EXCHANGE TRADED FUN	82889N673	21,454	$596,398	0.12%
112	WELLS FARGO CO NEW	949746101	7,022	$588,566	0.12%
113	NXP SEMICONDUCTORS N V	NXPI	2,550	$580,712	0.11%
114	COSTCO WHSL CORP NEW	22160K105	613	$567,464	0.11%
115	VANGUARD INDEX FDS	922908744	2,850	$531,497	0.10%
116	VANGUARD SCOTTSDALE FDS	92206C771	11,201	$525,999	0.10%
117	QUALCOMM INC	QCOM	3,058	$508,772	0.10%
118	ISHARES GOLD TR	IAU	6,893	$501,604	0.10%
119	MEDTRONIC PLC	MDT	5,235	$498,581	0.10%
120	ISHARES TR	464287168	3,450	$490,245	0.10%
121	FIRST TR EXCHNG TRADED FD VI	33740U703	17,367	$480,024	0.09%
122	BLACKROCK INC	BLK	411	$479,173	0.09%
123	GOLDMAN SACHS ETF TR	NVGLF	3,571	$465,230	0.09%
124	INNOVATOR ETFS TRUST	INHD	9,879	$452,409	0.09%
125	ALPS ETF TR	00162Q395	9,737	$436,218	0.09%
126	INTERNATIONAL BUSINESS MACHS	INTR	1,485	$419,008	0.08%
127	PALO ALTO NETWORKS INC	PANW	2,032	$413,756	0.08%
128	ISHARES TR	464288752	3,800	$407,550	0.08%
129	FIRST TR EXCHNG TRADED FD VI	33740F862	7,800	$404,898	0.08%
130	FIRST TR EXCHANGE-TRADED FD	33733E856	16,558	$396,405	0.08%
131	ISHARES TR	464287721	2,000	$391,720	0.08%
132	INTEL CORP	INTC	11,625	$390,019	0.08%
133	FIRST TR EXCHANGE-TRADED FD	33733E302	1,391	$389,257	0.08%
134	VANGUARD WORLD FD	92204A306	3,073	$386,768	0.08%
135	FIRST TR EXCHNG TRADED FD VI	33740U786	9,610	$385,355	0.08%
136	SIMPLIFY EXCHANGE TRADED FUN	82889N426	9,424	$380,901	0.07%
137	GARMIN LTD	GRMN	1,450	$357,019	0.07%
138	SCHWAB STRATEGIC TR	808524409	12,203	$355,241	0.07%
139	US BANCORP DEL	USB-PS	7,216	$348,749	0.07%
140	FIRST TR EXCHNG TRADED FD VI	33740U844	7,980	$336,767	0.07%
141	SPDR SERIES TRUST	78464A151	10,400	$335,816	0.07%
142	SIMPLIFY EXCHANGE TRADED FUN	82889N772	10,406	$329,975	0.06%
143	INNOVATOR ETFS TRUST	INHD	9,554	$313,562	0.06%
144	GOLDMAN SACHS ETF TR	NVGLF	7,600	$312,436	0.06%
145	BOEING CO	BA-PA	1,425	$307,558	0.06%
146	FIRST TR EXCHNG TRADED FD VI	33740F441	7,280	$294,622	0.06%
147	FIRST TR EXCHNG TRADED FD VI	33740U547	8,867	$292,834	0.06%
148	FEDEX CORP	FDX	1,235	$291,225	0.06%
149	SIMPLIFY EXCHANGE TRADED FUN	82889N855	5,968	$287,457	0.06%
150	DYNEX CAP INC	DX-PC	22,975	$282,369	0.06%
151	SCHWAB STRATEGIC TR	808524847	13,083	$282,200	0.06%
152	ISHARES TR	46434V456	6,380	$281,924	0.06%
153	FIRST TR EXCHANGE TRADED FD	33734X838	18,498	$281,064	0.05%
154	SPDR SERIES TRUST	78464A508	4,945	$273,607	0.05%
155	TARGET CORP	TGT	2,935	$263,270	0.05%
156	CARRIER GLOBAL CORPORATION	CARR	4,380	$261,486	0.05%
157	MCDONALDS CORP	MCD	858	$260,766	0.05%
158	DEERE & CO	DE	566	$258,701	0.05%
159	BLACKSTONE INC	BX	1,500	$256,275	0.05%
160	GLOBAL X FDS	37960A735	2,970	$256,232	0.05%
161	ALTRIA GROUP INC	MO	3,816	$252,098	0.05%
162	GILEAD SCIENCES INC	GILD	2,250	$249,750	0.05%
163	BECTON DICKINSON & CO	BDX	1,322	$247,439	0.05%
164	SPDR INDEX SHS FDS	78463X889	5,747	$245,914	0.05%
165	3M CO	MMM	1,555	$241,305	0.05%
166	ISHARES INC	464286806	5,570	$231,768	0.05%
167	CLOROX CO DEL	CLX	1,810	$223,173	0.04%
168	FIRST TR EXCHANGE-TRADED FD	33733B100	1,872	$210,276	0.04%
169	INNOVATOR ETFS TRUST	INHD	3,781	$201,115	0.04%