13F HOLDINGS REPORT
Lutz Financial Services LLC
Quarter ended Q3 2025 · Filed November 10, 2025 · Accession 0001737112-25-000008
Total Value
$1.38B
Positions
96
Other Managers
0
Confidential Omitted
No
Holdings (96)
| # | Issuer | Ticker / CUSIP | Shares | Value | % of Filing |
|---|---|---|---|---|---|
| 1 | VANGUARD INDEX FDS | 922908363 | 246,920 | $151.2M | 10.95% |
| 2 | SPDR SERIES TRUST | 78464A508 | 2,266,428 | $125.4M | 9.08% |
| 3 | ISHARES TR | 464287507 | 1,488,531 | $97.1M | 7.03% |
| 4 | VANGUARD BD INDEX FDS | 921937835 | 1,264,680 | $94.1M | 6.81% |
| 5 | VANGUARD MUN BD FDS | 922907746 | 1,335,724 | $66.9M | 4.84% |
| 6 | SPDR SERIES TRUST | 78464A839 | 726,188 | $60.6M | 4.38% |
| 7 | VANGUARD SCOTTSDALE FDS | 92206C409 | 745,702 | $59.6M | 4.31% |
| 8 | SCHWAB STRATEGIC TR | 808524870 | 1,990,216 | $53.6M | 3.88% |
| 9 | ISHARES TR | 464288588 | 538,957 | $51.3M | 3.71% |
| 10 | SPDR S&P 500 ETF TR | SPY | 69,715 | $46.4M | 3.36% |
| 11 | ISHARES TR | 464288414 | 338,864 | $36.1M | 2.61% |
| 12 | DIMENSIONAL ETF TRUST | 25434V708 | 836,465 | $32.3M | 2.34% |
| 13 | ISHARES TR | 464288646 | 480,348 | $25.5M | 1.84% |
| 14 | DIMENSIONAL ETF TRUST | 25434V799 | 755,336 | $24.8M | 1.79% |
| 15 | ISHARES TR | 464287408 | 109,875 | $22.7M | 1.64% |
| 16 | ISHARES TR | 464287804 | 179,914 | $21.4M | 1.55% |
| 17 | ISHARES TR | 464287226 | 210,884 | $21.1M | 1.53% |
| 18 | VANGUARD BD INDEX FDS | 921937827 | 254,512 | $20.1M | 1.45% |
| 19 | SCHWAB STRATEGIC TR | 808524508 | 674,981 | $20.0M | 1.45% |
| 20 | DIMENSIONAL ETF TRUST | 25434V831 | 514,349 | $19.4M | 1.41% |
| 21 | SCHWAB STRATEGIC TR | 808524201 | 736,160 | $19.4M | 1.40% |
| 22 | DIMENSIONAL ETF TRUST | 25434V500 | 232,493 | $15.9M | 1.15% |
| 23 | ISHARES TR | 464287200 | 23,742 | $15.9M | 1.15% |
| 24 | VANGUARD INDEX FDS | 922908512 | 89,418 | $15.6M | 1.13% |
| 25 | ISHARES TR | 464287705 | 120,160 | $15.6M | 1.13% |
| 26 | VANGUARD INDEX FDS | 922908744 | 82,491 | $15.4M | 1.11% |
| 27 | VANGUARD ADMIRAL FDS INC | 921932703 | 74,777 | $14.9M | 1.08% |
| 28 | ISHARES TR | 464287176 | 133,914 | $14.9M | 1.08% |
| 29 | ISHARES TR | 46432F339 | 73,147 | $14.2M | 1.03% |
| 30 | SPDR SERIES TRUST | 78464A300 | 144,379 | $12.8M | 0.93% |
| 31 | AMERICAN CENTY ETF TR | 025072703 | 155,866 | $12.3M | 0.89% |
| 32 | VANGUARD ADMIRAL FDS INC | 921932844 | 117,735 | $11.9M | 0.86% |
| 33 | SCHWAB STRATEGIC TR | 808524607 | 412,847 | $11.5M | 0.83% |
| 34 | ISHARES TR | 464287663 | 113,270 | $11.3M | 0.82% |
| 35 | SPDR S&P MIDCAP 400 ETF TR | MDY | 18,852 | $11.2M | 0.81% |
| 36 | AMERICAN CENTY ETF TR | 025072877 | 98,478 | $9.8M | 0.71% |
| 37 | DIMENSIONAL ETF TRUST | 25434V609 | 139,384 | $8.1M | 0.59% |
| 38 | ISHARES TR | 46429B747 | 76,375 | $7.9M | 0.57% |
| 39 | DIMENSIONAL ETF TRUST | 25434V732 | 228,424 | $7.3M | 0.53% |
| 40 | ISHARES TR | 464288158 | 65,753 | $7.0M | 0.51% |
| 41 | DIMENSIONAL ETF TRUST | 25434V724 | 127,966 | $5.7M | 0.41% |
| 42 | ISHARES INC | 46434G103 | 85,767 | $5.7M | 0.41% |
| 43 | VANGUARD INDEX FDS | 922908611 | 24,496 | $5.1M | 0.37% |
| 44 | ISHARES TR | 464287879 | 43,812 | $4.8M | 0.35% |
| 45 | ISHARES TR | 464287689 | 12,666 | $4.8M | 0.35% |
| 46 | PIMCO ETF TR | 72201R205 | 85,614 | $4.6M | 0.34% |
| 47 | ISHARES TR | 46432F859 | 91,801 | $4.5M | 0.32% |
| 48 | VANGUARD MALVERN FDS | 922020805 | 85,549 | $4.3M | 0.31% |
| 49 | VANGUARD INTL EQUITY INDEX F | 922042858 | 78,781 | $4.3M | 0.31% |
| 50 | BERKSHIRE HATHAWAY INC DEL | BRK-A | 4,688 | $2.4M | 0.17% |
| 51 | NVIDIA CORPORATION | NVDA | 10,624 | $2.0M | 0.14% |
| 52 | VANGUARD SCOTTSDALE FDS | 92206C771 | 41,788 | $2.0M | 0.14% |
| 53 | VANGUARD TAX-MANAGED FDS | 921943858 | 30,798 | $1.8M | 0.13% |
| 54 | APPLE INC | AAPL | 7,078 | $1.8M | 0.13% |
| 55 | MICROSOFT CORP | MSFT | 3,120 | $1.6M | 0.12% |
| 56 | VANGUARD INDEX FDS | 922908553 | 16,848 | $1.5M | 0.11% |
| 57 | SCHWAB STRATEGIC TR | 808524755 | 33,753 | $1.5M | 0.10% |
| 58 | DIMENSIONAL ETF TRUST | 25434V807 | 28,558 | $1.3M | 0.10% |
| 59 | VANGUARD INDEX FDS | 922908629 | 4,013 | $1.2M | 0.09% |
| 60 | VANGUARD INDEX FDS | 922908769 | 3,535 | $1.2M | 0.08% |
| 61 | VANGUARD INDEX FDS | 922908637 | 3,625 | $1.1M | 0.08% |
| 62 | ISHARES TR | 464287655 | 3,647 | $882,463 | 0.06% |
| 63 | ISHARES TR | 464287598 | 4,200 | $855,078 | 0.06% |
| 64 | VANGUARD SPECIALIZED FUNDS | 921908844 | 3,760 | $811,377 | 0.06% |
| 65 | BERKSHIRE HATHAWAY INC DEL | BRK-A | 1 | $754,200 | 0.05% |
| 66 | AMAZON COM INC | AMZN | 3,358 | $737,316 | 0.05% |
| 67 | ALPHABET INC | GOOG | 2,686 | $652,967 | 0.05% |
| 68 | SCHWAB STRATEGIC TR | 808524300 | 20,387 | $650,550 | 0.05% |
| 69 | WISDOMTREE TR | WT | 7,456 | $648,899 | 0.05% |
| 70 | VANGUARD INDEX FDS | 922908751 | 2,541 | $646,186 | 0.05% |
| 71 | META PLATFORMS INC | META | 820 | $602,192 | 0.04% |
| 72 | ALPHABET INC | GOOG | 2,237 | $544,821 | 0.04% |
| 73 | SPDR SERIES TRUST | 78464A847 | 9,264 | $529,808 | 0.04% |
| 74 | JPMORGAN CHASE & CO. | VYLD | 1,534 | $483,870 | 0.04% |
| 75 | BROADCOM INC | AVGO | 1,328 | $438,120 | 0.03% |
| 76 | ISHARES TR | 464287630 | 2,448 | $432,831 | 0.03% |
| 77 | VANGUARD INTL EQUITY INDEX F | 922042742 | 3,082 | $424,669 | 0.03% |
| 78 | AMERICAN CENTY ETF TR | 025072885 | 3,781 | $410,995 | 0.03% |
| 79 | ISHARES TR | 464287499 | 4,065 | $392,514 | 0.03% |
| 80 | DIMENSIONAL ETF TRUST | 25434V815 | 11,816 | $376,223 | 0.03% |
| 81 | AMERICAN CENTY ETF TR | 025072802 | 4,174 | $371,611 | 0.03% |
| 82 | SCHWAB STRATEGIC TR | 808524805 | 14,938 | $347,757 | 0.03% |
| 83 | VANGUARD SCOTTSDALE FDS | 92206C870 | 4,116 | $346,176 | 0.03% |
| 84 | SPDR INDEX SHS FDS | 78463X426 | 5,015 | $332,437 | 0.02% |
| 85 | INVESCO QQQ TR | IVZ | 539 | $323,599 | 0.02% |
| 86 | ISHARES TR | 464287465 | 3,338 | $311,677 | 0.02% |
| 87 | ISHARES TR | 464287127 | 3,306 | $305,555 | 0.02% |
| 88 | SPDR SERIES TRUST | 78468R770 | 2,295 | $259,700 | 0.02% |
| 89 | VISA INC | V | 750 | $256,035 | 0.02% |
| 90 | WALMART INC | WMT | 2,446 | $252,085 | 0.02% |
| 91 | SCHWAB STRATEGIC TR | 808524409 | 8,275 | $240,878 | 0.02% |
| 92 | ORACLE CORP | ORCL-PD | 855 | $240,460 | 0.02% |
| 93 | ELI LILLY & CO | LLY | 299 | $228,137 | 0.02% |
| 94 | MASTERCARD INCORPORATED | MA | 397 | $225,818 | 0.02% |
| 95 | ISHARES TR | 464288638 | 4,007 | $216,763 | 0.02% |
| 96 | AMERICAN CENTY ETF TR | 025072604 | 2,749 | $206,470 | 0.01% |