13F HOLDINGS REPORT

Charter Oak Capital Management, LLC

Quarter ended Q4 2025 · Filed January 23, 2026 · Accession 0001810720-26-000002

Total Value

$1.31B

Positions

211

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (211)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES TR	464287200	492,512	$337.3M	25.73%
2	ISHARES TR	464287226	1,849,735	$184.8M	14.09%
3	VANGUARD STAR FDS	921909768	1,659,940	$125.2M	9.55%
4	ISHARES TR	464288638	1,527,956	$82.3M	6.28%
5	VANGUARD INDEX FDS	922908652	358,062	$74.9M	5.71%
6	VANGUARD BD INDEX FDS	921937827	782,173	$61.6M	4.70%
7	VANGUARD INTL EQUITY INDEX F	922042775	513,222	$37.8M	2.88%
8	ISHARES TR	46432F834	414,803	$35.1M	2.68%
9	VANGUARD INDEX FDS	922908363	47,931	$30.1M	2.29%
10	VANGUARD BD INDEX FDS	92203C303	578,483	$28.8M	2.20%
11	APPLE INC	AAPL	78,467	$21.3M	1.63%
12	ISHARES TR	464288646	242,991	$12.8M	0.98%
13	ISHARES TR	464288257	80,900	$11.4M	0.87%
14	VANGUARD WORLD FD	921910725	157,179	$11.3M	0.86%
15	ISHARES TR	464288802	71,996	$10.0M	0.77%
16	ISHARES TR	464287663	89,915	$9.2M	0.70%
17	ISHARES TR	464288240	135,051	$9.1M	0.69%
18	ISHARES TR	464287309	67,459	$8.3M	0.63%
19	VANGUARD BD INDEX FDS	921937835	108,579	$8.0M	0.61%
20	VANGUARD WORLD FD	921910733	52,977	$6.4M	0.49%
21	NUSHARES ETF TR	NU	270,347	$6.0M	0.46%
22	ISHARES TR	464287408	25,706	$5.5M	0.42%
23	MICROSOFT CORP	MSFT	10,067	$4.9M	0.37%
24	VANGUARD INDEX FDS	922908744	24,776	$4.7M	0.36%
25	SPDR S&P 500 ETF TR	SPY	6,548	$4.5M	0.34%
26	VANGUARD INDEX FDS	922908736	9,094	$4.4M	0.34%
27	ISHARES TR	464287291	40,211	$4.2M	0.32%
28	ANALOG DEVICES INC	ADI	15,452	$4.2M	0.32%
29	VANGUARD INDEX FDS	922908769	12,392	$4.2M	0.32%
30	VANGUARD SPECIALIZED FUNDS	921908844	17,585	$3.9M	0.29%
31	VANGUARD TAX-MANAGED FDS	921943858	60,103	$3.8M	0.29%
32	ISHARES TR	46435G243	144,404	$3.6M	0.28%
33	ISHARES TR	46435U549	74,566	$3.6M	0.27%
34	VANGUARD WHITEHALL FDS	921946406	24,166	$3.5M	0.26%
35	JPMORGAN CHASE & CO.	VYLD	9,987	$3.2M	0.25%
36	ISHARES TR	464288810	48,863	$3.0M	0.23%
37	ISHARES TR	46434V100	57,883	$2.9M	0.22%
38	JOHNSON & JOHNSON	JNJ	13,774	$2.9M	0.22%
39	VANGUARD INTL EQUITY INDEX F	922042874	33,828	$2.8M	0.22%
40	MORGAN STANLEY	MS-PQ	15,824	$2.8M	0.21%
41	DIREXION SHS ETF TR	25459W862	12,301	$2.7M	0.21%
42	ISHARES TR	46435U663	57,150	$2.6M	0.20%
43	ISHARES TR	46435G516	24,973	$2.4M	0.18%
44	PNC FINL SVCS GROUP INC	693475105	10,609	$2.2M	0.17%
45	ISHARES TR	464288570	15,645	$2.0M	0.15%
46	NVIDIA CORPORATION	NVDA	10,739	$2.0M	0.15%
47	ISHARES TR	46432F842	21,960	$2.0M	0.15%
48	ABBVIE INC	ABBV	8,397	$1.9M	0.15%
49	AMAZON COM INC	AMZN	7,900	$1.8M	0.14%
50	RTX CORPORATION	RTX	9,700	$1.8M	0.14%
51	SALESFORCE INC	CRM	6,570	$1.7M	0.13%
52	TE CONNECTIVITY PLC	TEL	7,566	$1.7M	0.13%
53	ISHARES TR	46435G193	73,243	$1.7M	0.13%
54	ALPHABET INC	GOOG	5,437	$1.7M	0.13%
55	MEDTRONIC PLC	MDT	17,386	$1.7M	0.13%
56	ISHARES TR	46435G425	11,108	$1.7M	0.13%
57	IDEXX LABS INC	45168D104	2,363	$1.6M	0.12%
58	ISHARES TR	464287721	7,989	$1.6M	0.12%
59	VANGUARD INTL EQUITY INDEX F	922042866	17,368	$1.6M	0.12%
60	ISHARES TR	46436E619	35,313	$1.6M	0.12%
61	BROADCOM INC	AVGO	4,475	$1.5M	0.12%
62	VANGUARD INTL EQUITY INDEX F	922042742	10,971	$1.5M	0.12%
63	ISHARES TR	46432F859	30,867	$1.5M	0.11%
64	PROCTER AND GAMBLE CO	742718109	10,386	$1.5M	0.11%
65	EXXON MOBIL CORP	XOM	12,182	$1.5M	0.11%
66	ISHARES TR	464287457	17,530	$1.5M	0.11%
67	TEXAS INSTRS INC	882508104	8,364	$1.5M	0.11%
68	ALPHABET INC	GOOG	4,513	$1.4M	0.11%
69	VANGUARD INTL EQUITY INDEX F	922042858	25,507	$1.4M	0.10%
70	VANGUARD WORLD FD	92204A504	4,640	$1.3M	0.10%
71	CELESTICA INC	CLS	4,504	$1.3M	0.10%
72	BERKSHIRE HATHAWAY INC DEL	BRK-A	2,470	$1.2M	0.09%
73	FIDELITY COVINGTON TRUST	316092600	16,548	$1.2M	0.09%
74	WALMART INC	WMT	10,739	$1.2M	0.09%
75	VANGUARD WORLD FD	92204A876	6,431	$1.2M	0.09%
76	ELI LILLY & CO	LLY	1,097	$1.2M	0.09%
77	MERCK & CO INC	MRK	11,182	$1.2M	0.09%
78	TESLA INC	TSLA	2,537	$1.1M	0.09%
79	INVESCO QQQ TR	IVZ	1,851	$1.1M	0.09%
80	APPLIED MATLS INC	038222105	4,152	$1.1M	0.08%
81	ISHARES TR	464287655	4,259	$1.0M	0.08%
82	VANGUARD WORLD FD	92204A702	1,387	$1.0M	0.08%
83	ISHARES TR	46435G268	13,716	$1.0M	0.08%
84	NEXTERA ENERGY INC	NEE-PW	12,718	$1.0M	0.08%
85	VANGUARD WHITEHALL FDS	921946794	11,186	$1.0M	0.08%
86	ISHARES TR	464288760	4,673	$1.0M	0.08%
87	VANGUARD INDEX FDS	922908751	3,880	$1.0M	0.08%
88	THERMO FISHER SCIENTIFIC INC	TMO	1,716	$994,078	0.08%
89	ISHARES INC	46434G103	14,371	$966,035	0.07%
90	VISA INC	V	2,684	$941,400	0.07%
91	ISHARES TR	464287150	6,230	$926,294	0.07%
92	ISHARES TR	464287507	13,642	$900,374	0.07%
93	QUALCOMM INC	QCOM	5,188	$887,424	0.07%
94	WATSCO INC	WSO-B	2,550	$859,223	0.07%
95	YUM BRANDS INC	YUM	5,568	$842,306	0.06%
96	CATERPILLAR INC	CAT	1,433	$821,203	0.06%
97	MCDONALDS CORP	MCD	2,669	$815,765	0.06%
98	HOME DEPOT INC	HD	2,348	$807,907	0.06%
99	ISHARES TR	464287598	3,808	$800,975	0.06%
100	INTEL CORP	INTC	21,654	$799,028	0.06%
101	DEERE & CO	DE	1,681	$782,461	0.06%
102	PEPSICO INC	PEP	5,414	$777,063	0.06%
103	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,501	$754,467	0.06%
104	ISHARES TR	46435U218	6,159	$746,880	0.06%
105	REGENERON PHARMACEUTICALS	REGN	958	$739,452	0.06%
106	INTERNATIONAL BUSINESS MACHS	INTR	2,486	$736,432	0.06%
107	ISHARES TR	464287614	1,495	$707,584	0.05%
108	MASTERCARD INCORPORATED	MA	1,218	$695,415	0.05%
109	SELECT SECTOR SPDR TR	81369Y605	12,688	$694,929	0.05%
110	ISHARES TR	464287754	4,522	$670,035	0.05%
111	CISCO SYS INC	CSCO	8,536	$657,544	0.05%
112	VANGUARD WORLD FD	921910691	10,187	$648,172	0.05%
113	AMERIPRISE FINL INC	03076C106	1,293	$633,939	0.05%
114	FIDELITY COVINGTON TRUST	316092204	6,121	$625,275	0.05%
115	VANGUARD INDEX FDS	922908637	1,935	$609,138	0.05%
116	INTUIT	INTU	915	$606,115	0.05%
117	MARKEL GROUP INC	MKL	281	$604,052	0.05%
118	SPDR SERIES TRUST	78464A847	10,367	$600,379	0.05%
119	CHEVRON CORP NEW	CVX	3,938	$600,135	0.05%
120	META PLATFORMS INC	META	888	$585,887	0.04%
121	TJX COS INC NEW	872540109	3,695	$567,585	0.04%
122	ISHARES TR	46434V738	7,826	$555,525	0.04%
123	PIMCO ETF TR	72201R783	5,494	$520,949	0.04%
124	ABBOTT LABS	ABLZF	4,075	$510,618	0.04%
125	COCA COLA CO	KO	7,218	$504,613	0.04%
126	ISHARES TR	464287804	4,177	$502,027	0.04%
127	SELECT SECTOR SPDR TR	81369Y803	3,480	$501,041	0.04%
128	VANGUARD SCOTTSDALE FDS	92206C409	6,200	$494,356	0.04%
129	ADVANCED MICRO DEVICES INC	AMD	2,290	$490,427	0.04%
130	ORACLE CORP	ORCL-PD	2,483	$484,013	0.04%
131	HONEYWELL INTL INC	438516106	2,453	$478,556	0.04%
132	ISHARES INC	464286509	8,837	$476,580	0.04%
133	AMPHENOL CORP NEW	032095101	3,512	$474,612	0.04%
134	SI-BONE INC	SIBN	24,003	$473,340	0.04%
135	SELECT SECTOR SPDR TR	81369Y852	4,017	$472,882	0.04%
136	FIDELITY COMWLTH TR	315912808	4,972	$454,405	0.03%
137	ISHARES TR	46434V878	8,545	$432,207	0.03%
138	GE AEROSPACE	369604301	1,403	$432,020	0.03%
139	ALLSTATE CORP	ALL-PJ	2,061	$428,894	0.03%
140	AT&T INC	T-PC	16,887	$419,474	0.03%
141	ISHARES TR	464288414	3,911	$418,953	0.03%
142	BOEING CO	BA-PA	1,826	$396,477	0.03%
143	BANK AMERICA CORP	060505104	7,202	$396,096	0.03%
144	ISHARES TR	464287788	3,037	$391,509	0.03%
145	SELECT SECTOR SPDR TR	81369Y407	3,258	$389,038	0.03%
146	YUM CHINA HLDGS INC	YUMC	8,051	$384,355	0.03%
147	UNITEDHEALTH GROUP INC	UNH	1,162	$383,749	0.03%
148	SPDR SERIES TRUST	78464A672	12,895	$371,906	0.03%
149	TEXTRON INC	TXT	4,263	$371,606	0.03%
150	FIDELITY COVINGTON TRUST	316092873	5,070	$371,530	0.03%
151	ISHARES TR	464287770	3,963	$365,555	0.03%
152	ISHARES TR	46429B267	15,753	$362,717	0.03%
153	CAPITAL ONE FINL CORP	14040H105	1,482	$359,082	0.03%
154	LOWES COS INC	548661107	1,488	$358,871	0.03%
155	PROSHARES TR	74347R107	6,180	$357,944	0.03%
156	VANECK ETF TRUST	92189F676	990	$356,529	0.03%
157	BLACKROCK INC	BLK	327	$349,917	0.03%
158	VANGUARD WORLD FD	92204A207	1,647	$347,997	0.03%
159	AFLAC INC	AFL	3,094	$341,137	0.03%
160	TAIWAN SEMICONDUCTOR MFG LTD	874039100	1,100	$334,406	0.03%
161	THE CIGNA GROUP	125523100	1,208	$332,478	0.03%
162	WISDOMTREE TR	WT	3,577	$319,901	0.02%
163	DISNEY WALT CO	254687106	2,807	$319,303	0.02%
164	ISHARES TR	464287176	2,889	$317,513	0.02%
165	PIMCO ETF TR	72201R833	3,153	$316,373	0.02%
166	ISHARES TR	464287200	454	$310,963	0.02%
167	AMGEN INC	AMGN	945	$309,252	0.02%
168	ISHARES U S ETF TR	46431W507	5,949	$304,013	0.02%
169	VERIZON COMMUNICATIONS INC	VZ	7,236	$294,732	0.02%
170	NETFLIX INC	NFLX	3,125	$293,020	0.02%
171	CORNING INC	GLW	3,332	$291,750	0.02%
172	PHILIP MORRIS INTL INC	718172109	1,805	$289,464	0.02%
173	FIDELITY COVINGTON TRUST	316092402	11,646	$288,464	0.02%
174	VANGUARD WORLD FD	92204A603	948	$282,865	0.02%
175	ISHARES TR	46429B655	5,547	$282,141	0.02%
176	VANGUARD SCOTTSDALE FDS	92206C870	3,355	$280,980	0.02%
177	ISHARES TR	46436E544	6,473	$275,621	0.02%
178	ENTERPRISE PRODS PARTNERS L	293792107	8,523	$273,259	0.02%
179	PFIZER INC	PFE	10,926	$272,068	0.02%
180	AMERICAN EXPRESS CO	AXP	734	$271,581	0.02%
181	ISHARES TR	46436E551	6,041	$269,731	0.02%
182	VANGUARD STAR FDS	921909768	3,563	$268,793	0.02%
183	INTUITIVE SURGICAL INC	ISRG	458	$259,393	0.02%
184	VANGUARD SCOTTSDALE FDS	92206C565	3,770	$259,118	0.02%
185	SPDR GOLD TR	GLD	648	$256,809	0.02%
186	AUTOMATIC DATA PROCESSING IN	ADP	990	$254,658	0.02%
187	NUSHARES ETF TR	NU	7,144	$254,184	0.02%
188	VANGUARD INDEX FDS	922908553	2,867	$253,729	0.02%
189	ISHARES TR	46436E221	7,794	$249,720	0.02%
190	ISHARES TR	464288679	2,256	$248,464	0.02%
191	BANK NEW YORK MELLON CORP	064058100	2,127	$246,924	0.02%
192	3M CO	MMM	1,538	$246,267	0.02%
193	IRON MTN INC DEL	46284V101	2,862	$237,403	0.02%
194	OTIS WORLDWIDE CORP	OTIS	2,684	$234,476	0.02%
195	EVERSOURCE ENERGY	ES	3,477	$234,121	0.02%
196	REALTY INCOME CORP	O	4,080	$230,015	0.02%
197	COSTCO WHSL CORP NEW	22160K105	266	$229,459	0.02%
198	EMERSON ELEC CO	EMR	1,699	$225,520	0.02%
199	ISHARES INC	46434G863	5,075	$224,163	0.02%
200	SELECT SECTOR SPDR TR	81369Y506	4,853	$216,999	0.02%
201	FIRST TR EXCHANGE TRADED FD	33737A108	1,410	$215,759	0.02%
202	DUKE ENERGY CORP NEW	DUKB	1,833	$214,846	0.02%
203	FIDELITY COVINGTON TRUST	316092808	946	$212,581	0.02%
204	SPDR SERIES TRUST	78464A763	1,516	$210,952	0.02%
205	ISHARES GOLD TR	IAU	2,583	$209,675	0.02%
206	GENERAL MLS INC	370334104	4,464	$207,576	0.02%
207	ISHARES TR	46429B697	2,199	$207,037	0.02%
208	CHUBB LIMITED	CB	659	$205,688	0.02%
209	GENERAL DYNAMICS CORP	GD	607	$204,233	0.02%
210	TORONTO DOMINION BK ONT	TORO	2,148	$202,363	0.02%
211	ISHARES TR	464287168	1,422	$200,702	0.02%