13F COMBINATION REPORT

Human Investing LLC

Quarter ended Q4 2025 · Filed January 27, 2026 · Accession 0001767513-26-000001

Total Value

$708.1M

Positions

128

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (128)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	VANGUARD INDEX FDS	922908363	296,655	$186.0M	26.27%
2	VANGUARD TAX-MANAGED FDS	921943858	1,173,222	$73.3M	10.35%
3	ISHARES TR	464287507	548,906	$36.2M	5.12%
4	VANGUARD WHITEHALL FDS	921946406	238,801	$34.3M	4.84%
5	VANGUARD BD INDEX FDS	921937827	428,654	$33.8M	4.77%
6	VANGUARD SPECIALIZED FUNDS	921908844	152,555	$33.5M	4.73%
7	VANGUARD CHARLOTTE FDS	92203J407	577,236	$27.9M	3.94%
8	ISHARES TR	464287200	39,346	$26.9M	3.81%
9	ISHARES TR	464287804	158,932	$19.1M	2.70%
10	VANGUARD BD INDEX FDS	921937819	239,433	$18.6M	2.63%
11	VANGUARD INTL EQUITY INDEX F	922042858	341,555	$18.4M	2.59%
12	VANGUARD SCOTTSDALE FDS	92206C102	288,589	$16.9M	2.39%
13	VANGUARD WORLD FD	921910733	124,150	$15.0M	2.12%
14	VANGUARD WHITEHALL FDS	921946794	158,966	$14.3M	2.02%
15	VANGUARD INDEX FDS	922908363	20,429	$12.8M	1.81%
16	VANGUARD WHITEHALL FDS	921946810	131,785	$12.1M	1.70%
17	BROADCOM INC	AVGO	25,100	$8.7M	1.23%
18	VANGUARD INDEX FDS	922908769	21,521	$7.2M	1.02%
19	VANGUARD INDEX FDS	922908637	19,708	$6.2M	0.88%
20	VANGUARD BD INDEX FDS	921937835	76,240	$5.6M	0.80%
21	VANGUARD INDEX FDS	922908553	56,066	$5.0M	0.70%
22	APPLE INC	AAPL	16,948	$4.6M	0.65%
23	VANGUARD WORLD FD	921910725	63,450	$4.5M	0.64%
24	VANGUARD TAX-MANAGED FDS	921943858	72,713	$4.5M	0.64%
25	MICROSOFT CORP	MSFT	8,035	$3.9M	0.55%
26	VANGUARD WORLD FD	921910691	57,592	$3.7M	0.52%
27	VANGUARD BD INDEX FDS	921937827	40,415	$3.2M	0.45%
28	VANGUARD SCOTTSDALE FDS	92206C706	49,164	$2.9M	0.42%
29	VANGUARD CHARLOTTE FDS	92203J407	55,391	$2.7M	0.38%
30	VANGUARD WORLD FD	921910733	21,753	$2.6M	0.37%
31	ELI LILLY & CO	LLY	2,307	$2.5M	0.35%
32	VANGUARD STAR FDS	921909768	31,041	$2.3M	0.33%
33	ABBVIE INC	ABBV	10,136	$2.3M	0.33%
34	ISHARES TR	464287507	33,193	$2.2M	0.31%
35	ALPHABET INC	GOOG	5,964	$1.9M	0.26%
36	VANGUARD BD INDEX FDS	921937819	22,694	$1.8M	0.25%
37	VANGUARD SCOTTSDALE FDS	92206C102	29,522	$1.7M	0.24%
38	NIKE INC	NKE	23,733	$1.5M	0.21%
39	BERKSHIRE HATHAWAY INC DEL	BRK-A	2	$1.5M	0.21%
40	SCHWAB STRATEGIC TR	808524201	53,297	$1.4M	0.20%
41	BLOCK H & R INC	BSQKZ	30,380	$1.3M	0.19%
42	ISHARES TR	464287150	8,425	$1.3M	0.18%
43	ISHARES TR	464288158	11,342	$1.2M	0.17%
44	ISHARES SILVER TR	SLV	18,355	$1.2M	0.17%
45	AMGEN INC	AMGN	3,597	$1.2M	0.17%
46	ISHARES TR	46434V621	16,905	$1.2M	0.17%
47	VANGUARD BD INDEX FDS	921937793	16,303	$1.1M	0.16%
48	VANGUARD SPECIALIZED FUNDS	921908844	5,023	$1.1M	0.16%
49	VANGUARD WHITEHALL FDS	921946406	7,662	$1.1M	0.16%
50	ISHARES TR	464287804	9,091	$1.1M	0.15%
51	VANGUARD INTL EQUITY INDEX F	922042858	20,066	$1.1M	0.15%
52	ISHARES TR	46435G326	12,513	$1.0M	0.15%
53	VANGUARD MUN BD FDS	922907746	19,884	$999,961	0.14%
54	VANGUARD WORLD FD	921910725	13,367	$957,351	0.14%
55	INTERDIGITAL INC	IDCC	3,000	$955,140	0.13%
56	AMAZON COM INC	AMZN	4,001	$923,616	0.13%
57	HOME DEPOT INC	HD	2,644	$909,874	0.13%
58	NOVO-NORDISK A S	NONOF	17,791	$905,206	0.13%
59	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,767	$888,058	0.13%
60	ISHARES INC	46434G103	13,035	$876,241	0.12%
61	ISHARES TR	46432F842	9,423	$842,951	0.12%
62	VANGUARD INDEX FDS	922908751	3,070	$791,988	0.11%
63	GLOBAL X FDS	37954Y889	9,555	$785,690	0.11%
64	ISHARES TR	46429B663	5,901	$717,601	0.10%
65	JOHNSON & JOHNSON	JNJ	3,331	$689,408	0.10%
66	QUALCOMM INC	QCOM	3,939	$673,779	0.10%
67	ALPHABET INC	GOOG	2,013	$631,687	0.09%
68	SPDR GOLD TR	GLD	1,589	$629,737	0.09%
69	MCDONALDS CORP	MCD	1,983	$605,919	0.09%
70	VANGUARD INDEX FDS	922908629	2,075	$602,219	0.09%
71	SPDR SERIES TRUST	78468R796	10,329	$580,381	0.08%
72	ISHARES TR	46435G524	6,875	$569,008	0.08%
73	INTEL CORP	INTC	14,399	$531,324	0.08%
74	NVIDIA CORPORATION	NVDA	2,842	$530,116	0.07%
75	ISHARES TR	46436E569	9,975	$525,683	0.07%
76	SCHWAB STRATEGIC TR	808524847	24,891	$519,981	0.07%
77	PAYCHEX INC	PAYX	4,424	$496,277	0.07%
78	TEXAS INSTRS INC	882508104	2,818	$488,967	0.07%
79	VANGUARD WORLD FD	921910691	7,219	$459,349	0.06%
80	INTERNATIONAL BUSINESS MACHS	INTR	1,513	$448,268	0.06%
81	MERCK & CO INC	MRK	4,221	$444,253	0.06%
82	ABBOTT LABS	ABLZF	3,375	$422,842	0.06%
83	VANGUARD WHITEHALL FDS	921946794	4,590	$413,083	0.06%
84	PHILIP MORRIS INTL INC	718172109	2,552	$409,420	0.06%
85	VANGUARD WHITEHALL FDS	921946810	4,276	$391,014	0.06%
86	THERMO FISHER SCIENTIFIC INC	TMO	660	$382,598	0.05%
87	CATERPILLAR INC	CAT	656	$376,027	0.05%
88	JPMORGAN CHASE & CO.	VYLD	1,155	$372,178	0.05%
89	ISHARES TR	46436E569	6,989	$368,310	0.05%
90	ISHARES TR	464287721	1,804	$360,223	0.05%
91	CISCO SYS INC	CSCO	4,617	$355,664	0.05%
92	ACCENTURE PLC IRELAND	ACN	1,300	$348,683	0.05%
93	HP INC	HPQ	15,086	$336,111	0.05%
94	INFOSYS LTD	INFY	18,119	$322,885	0.05%
95	VANGUARD SCOTTSDALE FDS	92206C706	5,300	$317,647	0.04%
96	ORACLE CORP	ORCL-PD	1,614	$314,502	0.04%
97	CAPITAL ONE FINL CORP	14040H105	1,242	$300,919	0.04%
98	SCHWAB STRATEGIC TR	808524805	11,954	$287,375	0.04%
99	EMERSON ELEC CO	EMR	2,071	$274,811	0.04%
100	TRANE TECHNOLOGIES PLC	TT	682	$265,568	0.04%
101	ISHARES TR	464287309	2,112	$260,326	0.04%
102	TESLA INC	TSLA	578	$259,976	0.04%
103	SCHWAB STRATEGIC TR	808524201	9,470	$254,848	0.04%
104	VANGUARD INDEX FDS	922908637	788	$248,062	0.04%
105	INVESCO QQQ TR	IVZ	393	$241,424	0.03%
106	ZEBRA TECHNOLOGIES CORPORATI	ZBRA	948	$230,203	0.03%
107	RTX CORPORATION	RTX	1,249	$229,072	0.03%
108	ISHARES TR	46436E759	3,043	$228,711	0.03%
109	ISHARES TR	464287408	1,071	$227,127	0.03%
110	META PLATFORMS INC	META	339	$223,805	0.03%
111	STARBUCKS CORP	SBUX	2,596	$218,651	0.03%
112	WASTE MGMT INC DEL	94106L109	942	$206,967	0.03%
113	MICRON TECHNOLOGY INC	MU	723	$206,414	0.03%
114	MOODYS CORP	MCO	392	$200,024	0.03%
115	SCHWAB STRATEGIC TR	808524508	6,038	$181,574	0.03%
116	VANGUARD INDEX FDS	922908553	1,690	$149,515	0.02%
117	VANGUARD INDEX FDS	922908769	213	$71,262	0.01%
118	ISHARES TR	464287200	71	$48,752	0.01%
119	ISHARES TR	46436E759	591	$44,439	0.01%
120	ISHARES INC	46434G103	484	$32,567	0.00%
121	SCHWAB STRATEGIC TR	808524508	858	$25,797	0.00%
122	ISHARES TR	46435G326	291	$24,012	0.00%
123	VANGUARD BD INDEX FDS	921937835	309	$22,882	0.00%
124	MICROSOFT CORP	MSFT	34	$16,443	0.00%
125	ISHARES TR	464287309	81	$9,984	0.00%
126	ISHARES TR	464287721	30	$5,990	0.00%
127	ISHARES TR	464287150	9	$1,382	0.00%
128	ISHARES TR	46435G524	0	$4	0.00%