13F HOLDINGS REPORT

Cambridge Advisors Inc.

Quarter ended Q4 2025 · Filed January 21, 2026 · Accession 0001214659-26-000687

Total Value

$525.3M

Positions

176

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (176)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	VANGUARD INDEX FDS	922908363	144,374	$90.5M	17.24%
2	VANGUARD BD INDEX FDS	921937835	730,593	$54.1M	10.30%
3	VANGUARD TAX-MANAGED FDS	921943858	548,815	$34.3M	6.53%
4	ISHARES TR	464287507	308,465	$20.4M	3.88%
5	VANGUARD CHARLOTTE FDS	92203J407	289,978	$14.0M	2.67%
6	MICROSOFT CORP	MSFT	28,322	$13.7M	2.61%
7	VANGUARD INDEX FDS	922908769	36,297	$12.2M	2.32%
8	J P MORGAN EXCHANGE TRADED F	46654Q203	208,509	$12.1M	2.31%
9	BERKSHIRE HATHAWAY INC DEL	BRK-A	15	$11.3M	2.16%
10	J P MORGAN EXCHANGE TRADED F	46641Q332	182,429	$10.4M	1.99%
11	VANGUARD SCOTTSDALE FDS	92206C870	122,600	$10.3M	1.95%
12	APPLE INC	AAPL	37,679	$10.2M	1.95%
13	VANGUARD INTL EQUITY INDEX F	922042858	190,317	$10.2M	1.95%
14	BERKSHIRE HATHAWAY INC DEL	BRK-A	17,504	$8.8M	1.67%
15	VANGUARD INDEX FDS	922908751	32,346	$8.3M	1.59%
16	SCHWAB STRATEGIC TR	808524300	254,295	$8.3M	1.58%
17	AMGEN INC	AMGN	24,697	$8.1M	1.54%
18	VANGUARD SPECIALIZED FUNDS	921908844	34,328	$7.5M	1.44%
19	VANGUARD INDEX FDS	922908553	84,718	$7.5M	1.43%
20	FIRST TR EXCHNG TRADED FD VI	33740F755	141,022	$4.8M	0.92%
21	FIDELITY WISE ORIGIN BITCOIN	FBTC	56,621	$4.3M	0.82%
22	CATERPILLAR INC	CAT	7,108	$4.1M	0.78%
23	GOLDMAN SACHS PHYSICAL GOLD	38150K103	89,568	$3.8M	0.73%
24	NVIDIA CORPORATION	NVDA	20,210	$3.8M	0.72%
25	SCHWAB STRATEGIC TR	808524797	130,726	$3.6M	0.68%
26	SCHWAB STRATEGIC TR	808524102	136,293	$3.6M	0.68%
27	SCHWAB STRATEGIC TR	808524771	130,109	$3.5M	0.67%
28	INNOVATOR ETFS TRUST	INHD	86,485	$3.2M	0.61%
29	ISHARES TR	464287614	6,484	$3.1M	0.58%
30	CORNING INC	GLW	34,701	$3.0M	0.58%
31	UNION PAC CORP	UNP	12,543	$2.9M	0.55%
32	FIRST TR EXCHNG TRADED FD VI	33740F276	145,665	$2.9M	0.55%
33	J P MORGAN EXCHANGE TRADED F	46641Q837	53,494	$2.7M	0.52%
34	SPDR S&P 500 ETF TR	SPY	3,848	$2.6M	0.50%
35	LOWES COS INC	548661107	10,398	$2.5M	0.48%
36	ALPHABET INC	GOOG	7,942	$2.5M	0.47%
37	JOHNSON & JOHNSON	JNJ	11,788	$2.4M	0.46%
38	SPDR S&P MIDCAP 400 ETF TR	MDY	3,894	$2.3M	0.45%
39	J P MORGAN EXCHANGE TRADED F	46654Q609	24,812	$2.3M	0.44%
40	SCHWAB STRATEGIC TR	808524805	94,875	$2.3M	0.43%
41	ABBVIE INC	ABBV	8,605	$2.0M	0.37%
42	ISHARES TR	464287804	15,246	$1.8M	0.35%
43	ACCENTURE PLC IRELAND	ACN	6,825	$1.8M	0.35%
44	FIRST TR EXCHANGE-TRADED FD	33738D101	47,735	$1.8M	0.34%
45	ISHARES TR	464287242	16,390	$1.8M	0.34%
46	SCHWAB STRATEGIC TR	808524508	58,758	$1.8M	0.34%
47	DANAHER CORPORATION	235851102	7,671	$1.8M	0.33%
48	META PLATFORMS INC	META	2,643	$1.7M	0.33%
49	ADVISORS INNER CIRCLE FD III	00775Y645	43,841	$1.7M	0.32%
50	VANGUARD INTL EQUITY INDEX F	922042676	36,435	$1.7M	0.32%
51	ORACLE CORP	ORCL-PD	8,368	$1.6M	0.31%
52	INVESCO QQQ TR	IVZ	2,633	$1.6M	0.31%
53	VANGUARD STAR FDS	921909768	21,262	$1.6M	0.31%
54	SPDR DOW JONES INDL AVERAGE	78467X109	3,336	$1.6M	0.31%
55	BITWISE 10 CRYPTO INDEX ETF	BITW	27,179	$1.6M	0.30%
56	JPMORGAN CHASE & CO.	VYLD	4,936	$1.6M	0.30%
57	INNOVATOR ETFS TRUST	INHD	29,053	$1.6M	0.30%
58	SCHWAB STRATEGIC TR	808524607	54,289	$1.5M	0.29%
59	ISHARES TR	464287655	6,217	$1.5M	0.29%
60	EMCOR GROUP INC	EME	2,474	$1.5M	0.29%
61	FIRST TR EXCHANGE-TRADED FD	33733E104	16,266	$1.5M	0.29%
62	FIRST TR EXCHANGE TRADED FD	33738R704	15,149	$1.5M	0.28%
63	ISHARES TR	464287465	15,182	$1.5M	0.28%
64	VISA INC	V	4,098	$1.4M	0.27%
65	FIRST TR EXCHANGE TRADED FD	33737A108	9,304	$1.4M	0.27%
66	VANGUARD SCOTTSDALE FDS	92206C409	17,278	$1.4M	0.26%
67	CISCO SYS INC	CSCO	16,706	$1.3M	0.24%
68	SCHWAB STRATEGIC TR	808524763	40,336	$1.3M	0.24%
69	FIRST TR EXCHANGE-TRADED FD	33739Q408	21,199	$1.3M	0.24%
70	FIRST TR EXCH TRADED FD III	33738D820	58,798	$1.3M	0.24%
71	SCHWAB STRATEGIC TR	808524201	46,083	$1.2M	0.24%
72	NOVARTIS AG	NVSEF	8,975	$1.2M	0.24%
73	VANECK ETF TRUST	92189F676	3,332	$1.2M	0.23%
74	FIRST TR EXCHANGE-TRADED FD	33733E732	68,754	$1.2M	0.22%
75	SIMPLIFY EXCHANGE TRADED FUN	82889N640	49,326	$1.2M	0.22%
76	OREILLY AUTOMOTIVE INC	67103H107	12,750	$1.2M	0.22%
77	SPDR GOLD TR	GLD	2,878	$1.1M	0.22%
78	AMERICAN EXPRESS CO	AXP	2,910	$1.1M	0.20%
79	FIRST TR EXCHANGE-TRADED FD	33738D846	51,799	$1.1M	0.20%
80	AMAZON COM INC	AMZN	4,521	$1.0M	0.20%
81	SIMPLIFY EXCHANGE TRADED FUN	82889N764	32,539	$1.0M	0.20%
82	INVESCO EXCHANGE TRADED FD T	IVZ	5,264	$1.0M	0.19%
83	FIRST TR EXCHNG TRADED FD VI	33740F805	22,510	$997,647	0.19%
84	ILLINOIS TOOL WKS INC	452308109	3,953	$973,624	0.19%
85	SIMPLIFY EXCHANGE TRADED FUN	82889N525	19,143	$964,974	0.18%
86	PEPSICO INC	PEP	6,602	$947,519	0.18%
87	AUTOMATIC DATA PROCESSING IN	ADP	3,517	$904,678	0.17%
88	ALPHABET INC	GOOG	2,824	$886,088	0.17%
89	EXXON MOBIL CORP	XOM	7,330	$882,039	0.17%
90	INTUITIVE SURGICAL INC	ISRG	1,518	$859,734	0.16%
91	ABBOTT LABS	ABLZF	6,745	$845,081	0.16%
92	SIMPLIFY EXCHANGE TRADED FUN	82889N863	47,854	$840,312	0.16%
93	SIMPLIFY EXCHANGE TRADED FUN	82889N772	22,686	$830,301	0.16%
94	MERCK & CO INC	MRK	7,784	$819,375	0.16%
95	PROCTER AND GAMBLE CO	742718109	5,696	$816,294	0.16%
96	RTX CORPORATION	RTX	4,408	$808,515	0.15%
97	SCHWAB STRATEGIC TR	808524862	32,757	$798,288	0.15%
98	INNOVATOR ETFS TRUST	INHD	22,320	$788,979	0.15%
99	SPDR SERIES TRUST	78468R788	17,256	$746,322	0.14%
100	CHEVRON CORP NEW	CVX	4,783	$728,981	0.14%
101	UNITEDHEALTH GROUP INC	UNH	2,122	$700,493	0.13%
102	SPDR SERIES TRUST	78464A763	4,966	$691,069	0.13%
103	ISHARES TR	464287705	5,127	$674,662	0.13%
104	COCA COLA CO	KO	9,396	$656,889	0.13%
105	ADVISORS INNER CIRCLE FD III	00775Y652	19,371	$656,327	0.12%
106	WELLS FARGO CO NEW	949746101	7,023	$654,574	0.12%
107	SIMPLIFY EXCHANGE TRADED FUN	82889N699	23,821	$649,363	0.12%
108	ISHARES TR	464287200	947	$648,638	0.12%
109	ISHARES TR	464287226	6,458	$645,025	0.12%
110	ROPER TECHNOLOGIES INC	ROP	1,433	$637,871	0.12%
111	ISHARES TR	464287440	6,571	$631,867	0.12%
112	STARBUCKS CORP	SBUX	7,442	$626,712	0.12%
113	SCHWAB STRATEGIC TR	808524870	23,531	$623,336	0.12%
114	ISHARES GOLD TR	IAU	6,883	$558,693	0.11%
115	NXP SEMICONDUCTORS N V	NXPI	2,550	$553,503	0.11%
116	VANGUARD INDEX FDS	922908744	2,850	$544,322	0.10%
117	VANGUARD SCOTTSDALE FDS	92206C771	11,201	$527,343	0.10%
118	QUALCOMM INC	QCOM	3,031	$518,400	0.10%
119	MEDTRONIC PLC	MDT	5,235	$502,874	0.10%
120	FIRST TR EXCHNG TRADED FD VI	33740U703	17,367	$490,444	0.09%
121	ISHARES TR	464287168	3,450	$486,933	0.09%
122	SIMPLIFY EXCHANGE TRADED FUN	82889N426	11,640	$484,917	0.09%
123	INNOVATOR ETFS TRUST	INHD	9,879	$464,511	0.09%
124	SIMPLIFY EXCHANGE TRADED FUN	82889N673	31,402	$448,967	0.09%
125	INTERNATIONAL BUSINESS MACHS	INTR	1,485	$439,872	0.08%
126	GOLDMAN SACHS ETF TR	NVGLF	3,306	$437,615	0.08%
127	BLACKROCK INC	BLK	406	$434,558	0.08%
128	INTEL CORP	INTC	11,625	$428,963	0.08%
129	ALPS ETF TR	00162Q395	9,737	$425,896	0.08%
130	FIRST TR EXCHANGE-TRADED FD	33733E856	16,982	$424,731	0.08%
131	ISHARES TR	464287721	2,000	$399,360	0.08%
132	FIRST TR EXCHNG TRADED FD VI	33740F862	7,500	$397,125	0.08%
133	FIRST TR EXCHNG TRADED FD VI	33740U786	9,610	$393,262	0.07%
134	VANGUARD WORLD FD	92204A306	3,073	$386,952	0.07%
135	PALO ALTO NETWORKS INC	PANW	2,055	$378,531	0.07%
136	SCHWAB STRATEGIC TR	808524409	12,387	$366,772	0.07%
137	ISHARES TR	464288752	3,800	$365,940	0.07%
138	US BANCORP DEL	USB-PS	6,815	$363,648	0.07%
139	FIRST TR EXCHANGE-TRADED FD	33733E302	1,331	$358,279	0.07%
140	COSTCO WHSL CORP NEW	22160K105	413	$356,207	0.07%
141	FIRST TR EXCHNG TRADED FD VI	33740U844	7,980	$342,736	0.07%
142	SPDR SERIES TRUST	78464A151	10,400	$333,944	0.06%
143	FEDEX CORP	FDX	1,145	$330,745	0.06%
144	GOLDMAN SACHS ETF TR	NVGLF	7,600	$326,344	0.06%
145	DYNEX CAP INC	DX-PC	23,001	$322,242	0.06%
146	INNOVATOR ETFS TRUST	INHD	9,554	$320,155	0.06%
147	BOEING CO	BA-PA	1,425	$309,396	0.06%
148	FIRST TR EXCHNG TRADED FD VI	33740U729	11,545	$306,289	0.06%
149	VANGUARD WHITEHALL FDS	921946406	2,124	$304,836	0.06%
150	FIRST TR EXCHNG TRADED FD VI	33740F441	7,280	$300,613	0.06%
151	FIRST TR EXCHNG TRADED FD VI	33740U547	8,717	$296,465	0.06%
152	GARMIN LTD	GRMN	1,450	$294,133	0.06%
153	SIMPLIFY EXCHANGE TRADED FUN	82889N855	6,118	$293,254	0.06%
154	J P MORGAN EXCHANGE TRADED F	46654Q732	3,190	$287,332	0.05%
155	TARGET CORP	TGT	2,935	$286,896	0.05%
156	SPDR SERIES TRUST	78464A508	4,945	$280,925	0.05%
157	ISHARES TR	46434V456	6,078	$276,237	0.05%
158	GILEAD SCIENCES INC	GILD	2,250	$276,165	0.05%
159	FIRST TR EXCHANGE TRADED FD	33734X838	17,369	$272,151	0.05%
160	J P MORGAN EXCHANGE TRADED F	46654Q716	4,928	$266,457	0.05%
161	DEERE & CO	DE	566	$263,427	0.05%
162	BECTON DICKINSON & CO	BDX	1,322	$256,561	0.05%
163	SCHWAB STRATEGIC TR	808524847	12,249	$255,891	0.05%
164	SPDR INDEX SHS FDS	78463X889	5,747	$255,224	0.05%
165	3M CO	MMM	1,555	$248,956	0.05%
166	CHARLES RIV LABS INTL INC	159864107	1,200	$239,376	0.05%
167	ARK ETF TR	00214Q302	8,262	$239,350	0.05%
168	ISHARES INC	464286806	5,570	$236,725	0.05%
169	FIRST TR EXCHANGE-TRADED FD	33733B100	2,136	$232,026	0.04%
170	BLACKSTONE INC	BX	1,500	$231,210	0.04%
171	MCDONALDS CORP	MCD	748	$228,640	0.04%
172	J P MORGAN EXCHANGE TRADED F	46654Q724	3,393	$225,398	0.04%
173	ALTRIA GROUP INC	MO	3,688	$212,672	0.04%
174	INNOVATOR ETFS TRUST	INHD	3,781	$207,653	0.04%
175	FIRST TR EXCHNG TRADED FD VI	33740F557	6,379	$203,104	0.04%
176	FIRST TR EXCHNG TRADED FD VI	33740U810	4,775	$202,387	0.04%