13F HOLDINGS REPORT

Charter Oak Capital Management, LLC

Quarter ended Q3 2025 · Filed October 30, 2025 · Accession 0001810720-25-000003

Total Value

$1.27B

Positions

205

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (205)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES TR	464287200	506,814	$339.2M	26.62%
2	ISHARES TR	464287226	1,808,043	$181.3M	14.22%
3	VANGUARD STAR FDS	921909768	1,562,236	$114.8M	9.00%
4	ISHARES TR	464288638	1,427,742	$77.2M	6.06%
5	VANGUARD INDEX FDS	922908652	362,121	$75.8M	5.95%
6	VANGUARD BD INDEX FDS	921937827	957,125	$75.5M	5.93%
7	VANGUARD INTL EQUITY INDEX F	922042775	537,169	$38.3M	3.01%
8	ISHARES TR	46432F834	436,414	$36.0M	2.83%
9	VANGUARD INDEX FDS	922908363	48,462	$29.7M	2.33%
10	APPLE INC	AAPL	77,651	$19.8M	1.55%
11	ISHARES TR	464288646	262,197	$13.9M	1.09%
12	ISHARES TR	464288257	81,489	$11.3M	0.88%
13	VANGUARD WORLD FD	921910725	154,862	$10.7M	0.84%
14	ISHARES TR	464288802	73,925	$10.0M	0.79%
15	VANGUARD BD INDEX FDS	921937835	126,885	$9.4M	0.74%
16	ISHARES TR	464288240	138,160	$9.0M	0.70%
17	ISHARES TR	464287663	88,160	$8.8M	0.69%
18	ISHARES TR	464287309	69,858	$8.4M	0.66%
19	VANGUARD WORLD FD	921910733	55,257	$6.5M	0.51%
20	NUSHARES ETF TR	NU	242,339	$5.4M	0.43%
21	ISHARES TR	464287408	25,450	$5.3M	0.41%
22	MICROSOFT CORP	MSFT	10,117	$5.2M	0.41%
23	VANGUARD INDEX FDS	922908736	9,736	$4.7M	0.37%
24	VANGUARD INDEX FDS	922908744	24,396	$4.5M	0.36%
25	SPDR S&P 500 ETF TR	SPY	6,819	$4.5M	0.36%
26	ISHARES TR	46434V100	82,270	$4.2M	0.33%
27	ISHARES TR	464287291	40,164	$4.1M	0.33%
28	VANGUARD INDEX FDS	922908769	12,310	$4.0M	0.32%
29	VANGUARD SPECIALIZED FUNDS	921908844	17,757	$3.8M	0.30%
30	ANALOG DEVICES INC	ADI	15,447	$3.8M	0.30%
31	ISHARES TR	46435G243	141,665	$3.6M	0.28%
32	VANGUARD TAX-MANAGED FDS	921943858	58,561	$3.5M	0.28%
33	ISHARES TR	46435U549	71,376	$3.4M	0.27%
34	ISHARES TR	464288810	54,071	$3.2M	0.25%
35	JPMORGAN CHASE & CO.	VYLD	9,276	$2.9M	0.23%
36	VANGUARD INTL EQUITY INDEX F	922042874	34,938	$2.8M	0.22%
37	ISHARES TR	46435U663	58,090	$2.6M	0.21%
38	DIREXION SHS ETF TR	25459W862	12,327	$2.6M	0.20%
39	MORGAN STANLEY	MS-PQ	16,086	$2.6M	0.20%
40	ISHARES TR	46435G516	25,523	$2.4M	0.19%
41	ISHARES TR	464287457	27,899	$2.3M	0.18%
42	JOHNSON & JOHNSON	JNJ	12,427	$2.3M	0.18%
43	PNC FINL SVCS GROUP INC	693475105	11,160	$2.2M	0.18%
44	ISHARES TR	464288570	16,362	$2.1M	0.16%
45	VANGUARD WHITEHALL FDS	921946406	14,198	$2.0M	0.16%
46	ABBVIE INC	ABBV	8,441	$2.0M	0.15%
47	NVIDIA CORPORATION	NVDA	10,425	$1.9M	0.15%
48	ISHARES TR	46435G193	80,121	$1.9M	0.15%
49	ISHARES TR	46432F859	37,265	$1.8M	0.14%
50	ISHARES TR	464287721	9,043	$1.8M	0.14%
51	AMAZON COM INC	AMZN	7,833	$1.7M	0.13%
52	EXXON MOBIL CORP	XOM	14,842	$1.7M	0.13%
53	MEDTRONIC PLC	MDT	17,492	$1.7M	0.13%
54	TE CONNECTIVITY PLC	TEL	7,566	$1.7M	0.13%
55	VANGUARD INTL EQUITY INDEX F	922042866	18,838	$1.7M	0.13%
56	ISHARES TR	46432F842	18,911	$1.7M	0.13%
57	ISHARES TR	46435G425	11,107	$1.6M	0.13%
58	TEXAS INSTRS INC	882508104	8,581	$1.6M	0.12%
59	SALESFORCE INC	CRM	6,546	$1.6M	0.12%
60	PROCTER AND GAMBLE CO	742718109	9,853	$1.5M	0.12%
61	IDEXX LABS INC	45168D104	2,361	$1.5M	0.12%
62	VANGUARD INTL EQUITY INDEX F	922042742	10,620	$1.5M	0.11%
63	BROADCOM INC	AVGO	4,278	$1.4M	0.11%
64	VANGUARD INTL EQUITY INDEX F	922042858	25,541	$1.4M	0.11%
65	ALPHABET INC	GOOG	5,657	$1.4M	0.11%
66	RTX CORPORATION	RTX	8,127	$1.4M	0.11%
67	BERKSHIRE HATHAWAY INC DEL	BRK-A	2,672	$1.3M	0.11%
68	VANGUARD WORLD FD	92204A702	1,741	$1.3M	0.10%
69	VANGUARD WORLD FD	92204A504	4,800	$1.2M	0.10%
70	VANGUARD WORLD FD	92204A876	6,435	$1.2M	0.10%
71	FIDELITY COVINGTON TRUST	316092600	16,960	$1.1M	0.09%
72	ISHARES TR	464287655	4,591	$1.1M	0.09%
73	CELESTICA INC	CLS	4,502	$1.1M	0.09%
74	INVESCO QQQ TR	IVZ	1,831	$1.1M	0.09%
75	ALPHABET INC	GOOG	4,422	$1.1M	0.08%
76	ISHARES TR	46436E619	24,351	$1.1M	0.08%
77	ISHARES TR	46435G268	14,200	$1.0M	0.08%
78	VANGUARD INDEX FDS	922908751	4,094	$1.0M	0.08%
79	WATSCO INC	WSO-B	2,550	$1.0M	0.08%
80	APPLIED MATLS INC	038222105	4,883	$999,833	0.08%
81	TESLA INC	TSLA	2,199	$977,809	0.08%
82	THERMO FISHER SCIENTIFIC INC	TMO	1,984	$962,118	0.08%
83	ISHARES TR	464288760	4,548	$951,611	0.07%
84	WALMART INC	WMT	9,222	$950,457	0.07%
85	MERCK & CO INC	MRK	11,279	$946,654	0.07%
86	HOME DEPOT INC	HD	2,333	$945,130	0.07%
87	VISA INC	V	2,731	$932,275	0.07%
88	NEXTERA ENERGY INC	NEE-PW	12,296	$928,188	0.07%
89	ISHARES TR	464287507	14,017	$914,740	0.07%
90	ISHARES TR	464287150	6,231	$907,599	0.07%
91	YUM BRANDS INC	YUM	5,844	$888,331	0.07%
92	VANGUARD WHITEHALL FDS	921946794	10,158	$860,187	0.07%
93	ISHARES INC	46434G103	12,951	$853,743	0.07%
94	ELI LILLY & CO	LLY	1,106	$843,678	0.07%
95	MCDONALDS CORP	MCD	2,689	$817,132	0.06%
96	PEPSICO INC	PEP	5,730	$804,758	0.06%
97	ISHARES TR	464287598	3,808	$775,271	0.06%
98	DEERE & CO	DE	1,677	$766,665	0.06%
99	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,507	$757,618	0.06%
100	MASTERCARD INCORPORATED	MA	1,316	$748,636	0.06%
101	INTEL CORP	INTC	21,990	$737,776	0.06%
102	ISHARES TR	46435U218	6,240	$730,356	0.06%
103	FIDELITY COVINGTON TRUST	316092204	6,815	$701,012	0.06%
104	ORACLE CORP	ORCL-PD	2,464	$693,049	0.05%
105	SELECT SECTOR SPDR TR	81369Y605	12,688	$683,510	0.05%
106	ISHARES TR	464287614	1,450	$679,195	0.05%
107	ISHARES TR	464287754	4,567	$666,222	0.05%
108	CATERPILLAR INC	CAT	1,370	$653,753	0.05%
109	AMERIPRISE FINL INC	03076C106	1,329	$653,058	0.05%
110	INTERNATIONAL BUSINESS MACHS	INTR	2,287	$645,221	0.05%
111	PIMCO ETF TR	72201R783	6,704	$641,469	0.05%
112	INTUIT	INTU	920	$628,278	0.05%
113	CHEVRON CORP NEW	CVX	3,976	$617,400	0.05%
114	VANGUARD INDEX FDS	922908637	1,955	$601,867	0.05%
115	SPDR SERIES TRUST	78464A847	10,254	$586,443	0.05%
116	ISHARES TR	46434V738	8,398	$572,072	0.04%
117	QUALCOMM INC	QCOM	3,323	$552,815	0.04%
118	TJX COS INC NEW	872540109	3,782	$546,647	0.04%
119	ABBOTT LABS	ABLZF	4,049	$542,382	0.04%
120	ISHARES TR	464287770	6,033	$540,768	0.04%
121	CISCO SYS INC	CSCO	7,838	$536,301	0.04%
122	ISHARES TR	464287804	4,466	$530,675	0.04%
123	VANGUARD WORLD FD	921910691	8,171	$524,589	0.04%
124	COCA COLA CO	KO	7,616	$505,093	0.04%
125	SELECT SECTOR SPDR TR	81369Y803	1,768	$498,330	0.04%
126	META PLATFORMS INC	META	676	$496,715	0.04%
127	ISHARES INC	464286509	9,788	$494,801	0.04%
128	SELECT SECTOR SPDR TR	81369Y852	4,017	$475,493	0.04%
129	FIDELITY COMWLTH TR	315912808	5,008	$446,329	0.04%
130	ALLSTATE CORP	ALL-PJ	2,055	$440,999	0.03%
131	UNITEDHEALTH GROUP INC	UNH	1,272	$439,076	0.03%
132	SPDR SERIES TRUST	78464A672	15,017	$434,006	0.03%
133	AT&T INC	T-PC	15,352	$433,529	0.03%
134	AMPHENOL CORP NEW	032095101	3,490	$431,888	0.03%
135	FIDELITY COVINGTON TRUST	316092873	6,020	$427,240	0.03%
136	GE AEROSPACE	369604301	1,409	$423,713	0.03%
137	ISHARES TR	464287788	3,296	$417,454	0.03%
138	AUTOMATIC DATA PROCESSING IN	ADP	1,419	$416,477	0.03%
139	ISHARES TR	46429B267	17,477	$404,061	0.03%
140	VANGUARD WORLD FD	92204A207	1,835	$392,161	0.03%
141	BOEING CO	BA-PA	1,813	$391,315	0.03%
142	SELECT SECTOR SPDR TR	81369Y407	1,629	$390,374	0.03%
143	ISHARES TR	464288414	3,623	$385,795	0.03%
144	ISHARES TR	46434V878	7,590	$385,193	0.03%
145	ADVANCED MICRO DEVICES INC	AMD	2,369	$383,281	0.03%
146	PROSHARES TR	74347R107	3,417	$383,149	0.03%
147	BLACKROCK INC	BLK	325	$378,816	0.03%
148	LOWES COS INC	548661107	1,480	$372,022	0.03%
149	ISHARES TR	464287200	545	$364,769	0.03%
150	NETFLIX INC	NFLX	301	$360,901	0.03%
151	THE CIGNA GROUP	125523100	1,252	$360,889	0.03%
152	TEXTRON INC	TXT	4,263	$360,181	0.03%
153	VANGUARD SCOTTSDALE FDS	92206C409	4,499	$359,640	0.03%
154	HONEYWELL INTL INC	438516106	1,694	$356,587	0.03%
155	SI-BONE INC	SIBN	24,003	$353,325	0.03%
156	VANGUARD BD INDEX FDS	92203C303	7,012	$350,575	0.03%
157	VANGUARD SCOTTSDALE FDS	92206C870	4,107	$345,445	0.03%
158	YUM CHINA HLDGS INC	YUMC	8,040	$345,077	0.03%
159	AFLAC INC	AFL	3,089	$345,003	0.03%
160	HARTFORD INSURANCE GROUP INC	HIG-PG	2,449	$326,692	0.03%
161	ISHARES U S ETF TR	46431W507	6,353	$325,762	0.03%
162	DISNEY WALT CO	254687106	2,833	$324,342	0.03%
163	VANECK ETF TRUST	92189F676	990	$323,097	0.03%
164	ISHARES TR	464287176	2,885	$320,823	0.03%
165	VERIZON COMMUNICATIONS INC	VZ	7,242	$318,299	0.02%
166	WISDOMTREE TR	WT	3,576	$318,157	0.02%
167	PIMCO ETF TR	72201R833	3,153	$317,476	0.02%
168	VANGUARD SCOTTSDALE FDS	92206C565	4,546	$316,682	0.02%
169	CAPITAL ONE FINL CORP	14040H105	1,490	$316,661	0.02%
170	VANGUARD INDEX FDS	922908553	3,399	$310,744	0.02%
171	ISHARES TR	46429B655	6,057	$309,423	0.02%
172	TAIWAN SEMICONDUCTOR MFG LTD	874039100	1,080	$301,612	0.02%
173	FIDELITY COVINGTON TRUST	316092402	12,135	$299,970	0.02%
174	IRON MTN INC DEL	46284V101	2,856	$291,141	0.02%
175	BANK AMERICA CORP	060505104	5,615	$289,689	0.02%
176	REALTY INCOME CORP	O	4,631	$281,546	0.02%
177	VANGUARD WORLD FD	92204A603	948	$280,883	0.02%
178	CORNING INC	GLW	3,382	$277,426	0.02%
179	ENTERPRISE PRODS PARTNERS L	293792107	8,523	$266,526	0.02%
180	FIDELITY COVINGTON TRUST	316092808	1,186	$263,509	0.02%
181	AMGEN INC	AMGN	930	$262,398	0.02%
182	PFIZER INC	PFE	10,004	$254,905	0.02%
183	NUSHARES ETF TR	NU	7,137	$254,720	0.02%
184	AMERICAN EXPRESS CO	AXP	753	$250,031	0.02%
185	OTIS WORLDWIDE CORP	OTIS	2,734	$249,962	0.02%
186	ISHARES TR	464288679	2,252	$248,858	0.02%
187	SELECT SECTOR SPDR TR	81369Y506	2,778	$248,228	0.02%
188	COSTCO WHSL CORP NEW	22160K105	263	$243,523	0.02%
189	CARRIER GLOBAL CORPORATION	CARR	3,977	$237,441	0.02%
190	GENERAL MLS INC	370334104	4,642	$234,050	0.02%
191	BANK NEW YORK MELLON CORP	064058100	2,129	$231,976	0.02%
192	ISHARES TR	46436E551	5,244	$229,950	0.02%
193	PHILIP MORRIS INTL INC	718172109	1,399	$226,859	0.02%
194	ISHARES TR	46436E221	7,131	$224,259	0.02%
195	ISHARES TR	46435G672	4,325	$221,575	0.02%
196	EMERSON ELEC CO	EMR	1,678	$220,148	0.02%
197	FIRST TR EXCHANGE TRADED FD	33737A108	1,410	$213,023	0.02%
198	SPDR SERIES TRUST	78464A763	1,516	$212,301	0.02%
199	ISHARES TR	46429B697	2,228	$211,943	0.02%
200	GENERAL DYNAMICS CORP	GD	606	$206,485	0.02%
201	3M CO	MMM	1,329	$206,266	0.02%
202	VANGUARD STAR FDS	921909768	2,755	$202,383	0.02%
203	ISHARES TR	464287168	1,422	$202,067	0.02%
204	INTUITIVE SURGICAL INC	ISRG	450	$201,254	0.02%
205	KINDER MORGAN INC DEL	EP-PC	7,086	$200,607	0.02%