13F HOLDINGS REPORT

Lutz Financial Services LLC

Quarter ended Q4 2025 · Filed February 6, 2026 · Accession 0001737112-26-000002

Total Value

$1.47B

Positions

102

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (102)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	VANGUARD INDEX FDS	922908363	253,536	$159.0M	10.81%
2	SPDR SERIES TRUST	78464A508	2,387,903	$135.7M	9.23%
3	ISHARES TR	464287507	1,578,398	$104.2M	7.08%
4	VANGUARD BD INDEX FDS	921937835	1,362,944	$101.0M	6.87%
5	VANGUARD MUN BD FDS	922907746	1,486,795	$74.8M	5.09%
6	SPDR SERIES TRUST	78464A839	783,438	$66.3M	4.51%
7	VANGUARD SCOTTSDALE FDS	92206C409	819,525	$65.3M	4.44%
8	SCHWAB STRATEGIC TR	808524870	2,206,735	$58.5M	3.98%
9	ISHARES TR	464288588	597,581	$56.9M	3.87%
10	SPDR S&P 500 ETF TR	SPY	66,871	$45.6M	3.10%
11	ISHARES TR	464288414	351,298	$37.6M	2.56%
12	DIMENSIONAL ETF TRUST	25434V708	896,946	$35.5M	2.42%
13	DIMENSIONAL ETF TRUST	25434V799	791,288	$27.3M	1.85%
14	ISHARES TR	464288646	486,755	$25.7M	1.75%
15	ISHARES TR	464287804	191,033	$23.0M	1.56%
16	ISHARES TR	464287408	106,970	$22.7M	1.54%
17	ISHARES TR	464287226	219,891	$22.0M	1.49%
18	DIMENSIONAL ETF TRUST	25434V831	562,375	$21.4M	1.45%
19	VANGUARD BD INDEX FDS	921937827	268,024	$21.1M	1.44%
20	SCHWAB STRATEGIC TR	808524508	670,307	$20.2M	1.37%
21	SCHWAB STRATEGIC TR	808524201	728,336	$19.6M	1.33%
22	DIMENSIONAL ETF TRUST	25434V500	237,201	$16.5M	1.12%
23	ISHARES TR	464287200	23,966	$16.4M	1.12%
24	VANGUARD INDEX FDS	922908512	89,461	$15.9M	1.08%
25	ISHARES TR	464287705	120,056	$15.8M	1.07%
26	VANGUARD INDEX FDS	922908744	81,790	$15.6M	1.06%
27	ISHARES TR	46432F339	77,301	$15.4M	1.04%
28	VANGUARD ADMIRAL FDS INC	921932703	74,136	$15.2M	1.03%
29	ISHARES TR	464287176	133,199	$14.6M	1.00%
30	SPDR SERIES TRUST	78464A300	143,431	$13.0M	0.89%
31	AMERICAN CENTY ETF TR	025072703	154,322	$12.7M	0.86%
32	VANGUARD ADMIRAL FDS INC	921932844	116,480	$11.8M	0.80%
33	AMERICAN CENTY ETF TR	025072877	114,577	$11.7M	0.79%
34	SCHWAB STRATEGIC TR	808524607	408,365	$11.6M	0.79%
35	ISHARES TR	464287663	112,344	$11.5M	0.78%
36	SPDR S&P MIDCAP 400 ETF TR	MDY	18,573	$11.2M	0.76%
37	DIMENSIONAL ETF TRUST	25434V609	152,294	$9.1M	0.62%
38	ISHARES TR	46429B747	83,383	$8.5M	0.58%
39	DIMENSIONAL ETF TRUST	25434V732	240,175	$7.9M	0.54%
40	DIMENSIONAL ETF TRUST	25434V724	152,015	$7.1M	0.48%
41	ISHARES TR	464288158	57,779	$6.2M	0.42%
42	ISHARES INC	46434G103	89,404	$6.0M	0.41%
43	VANGUARD INDEX FDS	922908611	24,507	$5.2M	0.35%
44	ISHARES TR	464287879	42,858	$4.9M	0.33%
45	ISHARES TR	464287689	12,175	$4.7M	0.32%
46	ISHARES TR	46432F859	94,072	$4.6M	0.31%
47	VANGUARD INTL EQUITY INDEX F	922042858	79,115	$4.3M	0.29%
48	PIMCO ETF TR	72201R205	78,868	$4.2M	0.29%
49	VANGUARD MALVERN FDS	922020805	85,530	$4.2M	0.29%
50	ISHARES TR	464287622	7,304	$2.7M	0.19%
51	BERKSHIRE HATHAWAY INC DEL	BRK-A	4,655	$2.3M	0.16%
52	VANGUARD SCOTTSDALE FDS	92206C771	42,449	$2.0M	0.14%
53	VANGUARD TAX-MANAGED FDS	921943858	30,798	$1.9M	0.13%
54	NVIDIA CORPORATION	NVDA	10,254	$1.9M	0.13%
55	APPLE INC	AAPL	6,044	$1.6M	0.11%
56	SCHWAB STRATEGIC TR	808524755	33,329	$1.5M	0.10%
57	VANGUARD INDEX FDS	922908553	16,813	$1.5M	0.10%
58	DIMENSIONAL ETF TRUST	25434V807	29,623	$1.5M	0.10%
59	MICROSOFT CORP	MSFT	3,017	$1.5M	0.10%
60	VANGUARD INDEX FDS	922908769	3,513	$1.2M	0.08%
61	VANGUARD INDEX FDS	922908637	3,674	$1.2M	0.08%
62	VANGUARD INDEX FDS	922908629	3,924	$1.1M	0.08%
63	ISHARES TR	464287655	4,200	$1.0M	0.07%
64	DIMENSIONAL ETF TRUST	25434V864	21,519	$1.0M	0.07%
65	ISHARES TR	464287598	4,171	$877,328	0.06%
66	AMAZON COM INC	AMZN	3,719	$858,420	0.06%
67	VANGUARD SPECIALIZED FUNDS	921908844	3,760	$826,380	0.06%
68	ISHARES TR	464287465	8,127	$780,443	0.05%
69	BERKSHIRE HATHAWAY INC DEL	BRK-A	1	$754,800	0.05%
70	ALPHABET INC	GOOG	2,183	$683,279	0.05%
71	WISDOMTREE TR	WT	7,456	$656,728	0.04%
72	VANGUARD INDEX FDS	922908751	2,541	$655,513	0.04%
73	SCHWAB STRATEGIC TR	808524300	19,334	$630,685	0.04%
74	ALPHABET INC	GOOG	1,831	$574,568	0.04%
75	META PLATFORMS INC	META	838	$553,155	0.04%
76	SPDR SERIES TRUST	78464A847	9,264	$536,478	0.04%
77	BROADCOM INC	AVGO	1,465	$507,037	0.03%
78	DBX ETF TR	233051200	10,469	$503,664	0.03%
79	AMERICAN CENTY ETF TR	025072802	5,120	$481,126	0.03%
80	DIMENSIONAL ETF TRUST	25434V872	11,164	$475,140	0.03%
81	AMERICAN CENTY ETF TR	025072885	4,044	$452,038	0.03%
82	JPMORGAN CHASE & CO.	VYLD	1,374	$442,730	0.03%
83	ISHARES TR	464287630	2,440	$442,152	0.03%
84	VANGUARD INTL EQUITY INDEX F	922042742	2,988	$421,456	0.03%
85	DIMENSIONAL ETF TRUST	25434V815	12,109	$398,265	0.03%
86	ISHARES TR	464287499	4,065	$391,375	0.03%
87	SCHWAB STRATEGIC TR	808524805	14,938	$359,110	0.02%
88	ELI LILLY & CO	LLY	325	$349,271	0.02%
89	AMERICAN CENTY ETF TR	025072349	4,523	$342,708	0.02%
90	INVESCO QQQ TR	IVZ	551	$338,533	0.02%
91	SPDR INDEX SHS FDS	78463X426	5,015	$331,747	0.02%
92	ISHARES TR	464287127	3,306	$312,035	0.02%
93	VANGUARD SCOTTSDALE FDS	92206C870	3,616	$302,819	0.02%
94	SPDR SERIES TRUST	78468R770	2,295	$260,622	0.02%
95	WALMART INC	WMT	2,204	$245,548	0.02%
96	SCHWAB STRATEGIC TR	808524409	8,275	$245,016	0.02%
97	VISA INC	V	660	$231,469	0.02%
98	SPDR INDEX SHS FDS	78463X509	4,828	$225,999	0.02%
99	VANGUARD INDEX FDS	922908736	451	$220,243	0.01%
100	ISHARES TR	464288638	4,007	$215,922	0.01%
101	AMERICAN CENTY ETF TR	025072604	2,766	$213,024	0.01%
102	MASTERCARD INCORPORATED	MA	354	$202,092	0.01%