13F HOLDINGS REPORT

Silver Oak Advisory Group, Inc.

Quarter ended Q4 2025 · Filed February 3, 2026 · Accession 0001906937-26-000001

Total Value

$221,176

Positions

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (75)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	VANGUARD BD INDEX FDS	921937835	593,754	$43,979	19.88%
2	VANGUARD CHARLOTTE FDS	92203J407	502,687	$24,289	10.98%
3	VANGUARD BD INDEX FDS	921937827	210,150	$16,561	7.49%
4	DIMENSIONAL ETF TRUST	25434V708	400,421	$15,852	7.17%
5	DIMENSIONAL ETF TRUST	25434V880	438,719	$14,359	6.49%
6	VANGUARD INDEX FDS	922908769	32,874	$11,021	4.98%
7	VANGUARD MUN BD FDS	922907746	198,820	$9,998	4.52%
8	VANGUARD ADMIRAL FDS INC	921932778	88,971	$8,697	3.93%
9	VANGUARD BD INDEX FDS	921937819	86,376	$6,726	3.04%
10	VANGUARD INDEX FDS	922908553	75,532	$6,683	3.02%
11	VANGUARD STAR FDS	921909768	81,459	$6,145	2.78%
12	VANGUARD MUN BD FDS	922907738	59,479	$5,997	2.71%
13	SCHWAB STRATEGIC TR	808524102	153,034	$4,014	1.81%
14	VANGUARD WORLD FD	921910725	45,757	$3,277	1.48%
15	NUSHARES ETF TR	NU	104,309	$2,331	1.05%
16	VANGUARD WELLINGTON FD	921935870	21,942	$2,228	1.01%
17	VANGUARD MALVERN FDS	922020805	43,647	$2,158	0.98%
18	VANGUARD INTL EQUITY INDEX F	922042742	13,786	$1,944	0.88%
19	MICROSOFT CORP	MSFT	3,923	$1,897	0.86%
20	VANGUARD ADMIRAL FDS INC	921932828	16,858	$1,870	0.85%
21	DIMENSIONAL ETF TRUST	25434V401	23,867	$1,770	0.80%
22	APPLE INC	AAPL	6,134	$1,667	0.75%
23	VANGUARD WORLD FD	921910733	13,484	$1,631	0.74%
24	VANGUARD SCOTTSDALE FDS	92206C706	24,917	$1,493	0.68%
25	SPDR S&P 500 ETF TR	SPY	1,841	$1,255	0.57%
26	DIMENSIONAL ETF TRUST	25434V609	20,223	$1,204	0.54%
27	DIMENSIONAL ETF TRUST	25434V724	22,883	$1,066	0.48%
28	VANGUARD SCOTTSDALE FDS	92206C870	12,412	$1,039	0.47%
29	MANAGER DIRECTED PORTFOLIOS	56170L695	96,724	$1,005	0.45%
30	VANGUARD INDEX FDS	922908744	5,051	$964	0.44%
31	NUSHARES ETF TR	NU	20,989	$937	0.42%
32	ISHARES TR	46435U549	19,555	$935	0.42%
33	COSTCO WHSL CORP NEW	22160K105	1,018	$877	0.40%
34	VANGUARD SCOTTSDALE FDS	92206C102	14,610	$858	0.39%
35	WELLS FARGO CO NEW	949746101	6,584	$613	0.28%
36	VANGUARD INDEX FDS	922908611	2,873	$608	0.27%
37	DIMENSIONAL ETF TRUST	25434V716	13,764	$597	0.27%
38	JPMORGAN CHASE & CO.	VYLD	1,729	$557	0.25%
39	ABBVIE INC	ABBV	2,387	$545	0.25%
40	ISHARES TR	464287200	772	$528	0.24%
41	VANGUARD INTL EQUITY INDEX F	922042775	7,044	$518	0.23%
42	ELI LILLY & CO	LLY	474	$509	0.23%
43	CSX CORP	CSX	13,892	$503	0.23%
44	EXXON MOBIL CORP	XOM	3,856	$464	0.21%
45	DIMENSIONAL ETF TRUST	25434V807	9,294	$463	0.21%
46	VANGUARD INDEX FDS	922908751	1,783	$459	0.21%
47	SCHWAB STRATEGIC TR	808524805	17,446	$419	0.19%
48	ISHARES TR	464287846	2,416	$400	0.18%
49	GLACIER BANCORP INC NEW	GBCI	8,858	$390	0.18%
50	ISHARES TR	464287622	994	$371	0.17%
51	VANGUARD INTL EQUITY INDEX F	922042858	6,720	$361	0.16%
52	NIKE INC	NKE	5,617	$357	0.16%
53	ISHARES TR	46435G243	12,566	$317	0.14%
54	ISHARES TR	46435G516	3,262	$310	0.14%
55	INTEL CORP	INTC	8,136	$300	0.14%
56	DIMENSIONAL ETF TRUST	25434V617	3,853	$285	0.13%
57	DIMENSIONAL ETF TRUST	25434V500	4,034	$281	0.13%
58	VANGUARD INDEX FDS	922908736	568	$277	0.13%
59	STARBUCKS CORP	SBUX	3,249	$273	0.12%
60	VANGUARD INTL EQUITY INDEX F	922042718	1,896	$271	0.12%
61	VANGUARD TAX-MANAGED FDS	921943858	4,141	$258	0.12%
62	CHEVRON CORP NEW	CVX	1,684	$256	0.12%
63	HOWMET AEROSPACE INC	HWM	1,219	$249	0.11%
64	JOHNSON & JOHNSON	JNJ	1,204	$249	0.11%
65	ALPHABET INC	GOOG	792	$247	0.11%
66	CISCO SYS INC	CSCO	3,211	$247	0.11%
67	ISHARES TR	464287226	2,379	$237	0.11%
68	SPDR GOLD TR	GLD	577	$228	0.10%
69	VANGUARD SCOTTSDALE FDS	92206C409	2,853	$227	0.10%
70	ALPHABET INC	GOOG	721	$226	0.10%
71	BIO RAD LABS INC	090572207	726	$219	0.10%
72	ISHARES TR	464287408	1,026	$217	0.10%
73	VANGUARD INDEX FDS	922908363	332	$208	0.09%
74	DIMENSIONAL ETF TRUST	25434V302	6,318	$205	0.09%
75	SPDR S&P MIDCAP 400 ETF TR	MDY	333	$200	0.09%