13F HOLDINGS REPORT

PANORAMIC INVESTMENT ADVISORS, LLC

Quarter ended Q3 2025 · Filed October 24, 2025 · Accession 0001967332-25-000003

Total Value

$177.8M

Positions

125

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (125)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	SPDR SERIES TRUST	78464A854	326,313	$25.6M	14.38%
2	SCHWAB STRATEGIC TR	808524409	216,024	$6.3M	3.54%
3	VANGUARD MALVERN FDS	922020755	77,715	$6.1M	3.44%
4	VANGUARD INDEX FDS	922908736	11,756	$5.6M	3.17%
5	SCHWAB STRATEGIC TR	808524300	170,051	$5.4M	3.05%
6	ALPHABET INC	GOOG	18,602	$4.5M	2.55%
7	ISHARES TR	46434V878	83,212	$4.2M	2.37%
8	FIDELITY WISE ORIGIN BITCOIN	FBTC	40,233	$4.0M	2.26%
9	SCHWAB STRATEGIC TR	808524797	138,572	$3.8M	2.13%
10	ISHARES BITCOIN TRUST ETF	IBIT	54,064	$3.5M	1.98%
11	DIMENSIONAL ETF TRUST	25434V666	106,665	$3.5M	1.97%
12	INVESCO QQQ TR	IVZ	5,505	$3.3M	1.86%
13	VANECK ETF TRUST	92189F643	32,700	$3.2M	1.82%
14	VANGUARD WHITEHALL FDS	921946406	22,766	$3.2M	1.80%
15	BERKSHIRE HATHAWAY INC DEL	BRK-A	6,261	$3.1M	1.77%
16	J P MORGAN EXCHANGE TRADED F	46641Q332	53,311	$3.0M	1.71%
17	VANGUARD INDEX FDS	922908363	4,796	$2.9M	1.65%
18	ISHARES TR	464287200	4,384	$2.9M	1.65%
19	ISHARES TR	46432F842	32,866	$2.9M	1.61%
20	NVIDIA CORPORATION	NVDA	14,734	$2.7M	1.55%
21	ISHARES TR	46432F339	13,820	$2.7M	1.51%
22	ISHARES TR	464287432	29,983	$2.7M	1.51%
23	SCHWAB STRATEGIC TR	808524508	81,403	$2.4M	1.36%
24	APPLE INC	AAPL	9,427	$2.4M	1.35%
25	ALPHABET INC	GOOG	9,808	$2.4M	1.34%
26	SCHWAB STRATEGIC TR	808524102	88,736	$2.3M	1.28%
27	VANGUARD WORLD FD	92204A702	3,027	$2.3M	1.27%
28	SCHWAB STRATEGIC TR	808524607	79,831	$2.2M	1.25%
29	SELECT SECTOR SPDR TR	81369Y506	22,097	$2.0M	1.11%
30	WISDOMTREE TR	WT	21,897	$1.9M	1.10%
31	ISHARES TR	46438G612	68,250	$1.9M	1.08%
32	NORTHERN LTS FD TR III	NTRSO	24,403	$1.9M	1.05%
33	META PLATFORMS INC	META	2,453	$1.8M	1.01%
34	MICROSOFT CORP	MSFT	3,426	$1.8M	1.00%
35	ISHARES TR	464287721	8,429	$1.7M	0.93%
36	NORTHERN LTS FD TR III	NTRSO	27,235	$1.6M	0.92%
37	ABBOTT LABS	ABLZF	12,007	$1.6M	0.90%
38	AMAZON COM INC	AMZN	6,957	$1.5M	0.86%
39	PEPSICO INC	PEP	10,457	$1.5M	0.83%
40	SCHWAB CHARLES CORP	SCHW-PJ	13,333	$1.3M	0.72%
41	ISHARES TR	464288448	34,102	$1.2M	0.70%
42	VANGUARD STAR FDS	921909768	15,724	$1.2M	0.65%
43	INVESCO EXCH TRADED FD TR II	IVZ	54,383	$1.1M	0.61%
44	BLACKROCK ETF TRUST	BLK	30,211	$1.0M	0.58%
45	FIRST TR EXCHANGE TRADED FD	33738R506	14,566	$979,709	0.55%
46	WISDOMTREE TR	WT	11,573	$972,138	0.55%
47	MORGAN STANLEY ETF TRUST	MS-PQ	18,428	$929,416	0.52%
48	GOLDMAN SACHS ETF TR	NVGLF	10,641	$904,924	0.51%
49	ISHARES TR	464288703	13,442	$895,777	0.50%
50	J P MORGAN EXCHANGE TRADED F	46654Q203	13,580	$781,122	0.44%
51	VANGUARD WHITEHALL FDS	921946794	8,950	$757,886	0.43%
52	WELLTOWER INC	WELL	4,252	$757,451	0.43%
53	INVESCO EXCHANGE TRADED FD T	IVZ	3,706	$703,028	0.40%
54	TIDAL TRUST I	886364231	27,925	$697,846	0.39%
55	ISHARES INC	46434G764	10,173	$686,771	0.39%
56	ISHARES TR	464287150	4,425	$644,501	0.36%
57	MIDCAP FINANCIAL INVSTMNT CO	03761U502	53,630	$643,024	0.36%
58	FIRST TR EXCHANGE-TRADED FD	33733E104	6,590	$617,088	0.35%
59	SELECT SECTOR SPDR TR	81369Y605	11,403	$614,300	0.35%
60	BROADCOM INC	AVGO	1,841	$607,364	0.34%
61	INVESCO EXCH TRADED FD TR II	IVZ	7,854	$577,120	0.32%
62	DOUBLELINE ETF TRUST	25861R105	12,175	$566,503	0.32%
63	EXXON MOBIL CORP	XOM	5,011	$565,006	0.32%
64	AIM ETF PRODUCTS TRUST	00888H604	13,250	$564,649	0.32%
65	SPDR GOLD TR	GLD	1,530	$543,869	0.31%
66	ISHARES TR	464287507	8,128	$530,420	0.30%
67	ISHARES GOLD TR	IAU	7,030	$511,573	0.29%
68	VANGUARD WORLD FD	92204A405	3,825	$502,000	0.28%
69	AIM ETF PRODUCTS TRUST	00888H703	12,125	$482,291	0.27%
70	TESLA INC	TSLA	1,076	$478,519	0.27%
71	VANGUARD WORLD FD	92204A207	2,130	$455,293	0.26%
72	BLACKROCK ETF TRUST II	BLK	8,550	$455,202	0.26%
73	CROWDSTRIKE HLDGS INC	CRWD	918	$450,169	0.25%
74	COSTCO WHSL CORP NEW	22160K105	449	$415,616	0.23%
75	ISHARES TR	464288810	6,819	$409,693	0.23%
76	AIM ETF PRODUCTS TRUST	00888H745	11,050	$392,914	0.22%
77	ISHARES TR	464287705	2,900	$376,188	0.21%
78	EATON CORP PLC	ETN	989	$370,133	0.21%
79	STRATEGY INC	STRK	1,134	$365,386	0.21%
80	AMERICAN HEALTHCARE REIT INC	AHR	8,692	$365,151	0.21%
81	SCHWAB STRATEGIC TR	808524201	13,848	$364,752	0.21%
82	GRAYSCALE BITCOIN TRUST ETF	GBTC	4,027	$361,504	0.20%
83	VANGUARD WORLD FD	92204A306	2,871	$361,369	0.20%
84	PALANTIR TECHNOLOGIES INC	PLTR	1,905	$347,510	0.20%
85	REALTY INCOME CORP	O	5,696	$346,244	0.19%
86	JPMORGAN CHASE & CO.	VYLD	1,031	$325,208	0.18%
87	VANGUARD BD INDEX FDS	921937819	4,100	$320,169	0.18%
88	VANGUARD WORLD FD	92204A504	1,210	$314,188	0.18%
89	VANGUARD WORLD FD	92204A876	1,645	$311,574	0.18%
90	AIM ETF PRODUCTS TRUST	00888H109	7,525	$306,321	0.17%
91	TARGET CORP	TGT	3,394	$304,442	0.17%
92	FIDELITY COVINGTON TRUST	316092501	3,900	$297,726	0.17%
93	ISHARES TR	464288646	5,585	$296,192	0.17%
94	VANGUARD WORLD FD	921910873	1,200	$292,908	0.16%
95	MORGAN STANLEY ETF TRUST	MS-PQ	5,823	$289,228	0.16%
96	AIM ETF PRODUCTS TRUST	00888H505	7,500	$287,479	0.16%
97	SILA REALTY TRUST INC	SILA	11,246	$282,275	0.16%
98	SELECT SECTOR SPDR TR	81369Y209	2,025	$281,819	0.16%
99	SOFI TECHNOLOGIES INC	SOFI	10,450	$276,089	0.16%
100	SCHWAB STRATEGIC TR	808524805	11,859	$276,069	0.16%
101	ISHARES SILVER TR	SLV	6,170	$261,423	0.15%
102	SIMPLIFY EXCHANGE TRADED FUN	82889N632	11,300	$260,917	0.15%
103	VANGUARD WORLD FD	92204A884	1,390	$260,914	0.15%
104	ISHARES TR	464287879	2,345	$259,334	0.15%
105	SCHWAB STRATEGIC TR	808524706	7,655	$255,439	0.14%
106	ISHARES TR	464288570	2,016	$253,915	0.14%
107	VANGUARD INDEX FDS	922908512	1,442	$251,680	0.14%
108	VANGUARD WORLD FD	92204A108	613	$242,922	0.14%
109	DBX ETF TR	233051200	5,220	$242,312	0.14%
110	VISA INC	V	699	$238,625	0.13%
111	LOCKHEED MARTIN CORP	LMT	474	$236,626	0.13%
112	MERCK & CO INC	MRK	2,773	$232,738	0.13%
113	SPDR S&P 500 ETF TR	SPY	341	$227,167	0.13%
114	HOME DEPOT INC	HD	553	$224,202	0.13%
115	ORACLE CORP	ORCL-PD	796	$223,867	0.13%
116	VANGUARD INDEX FDS	922908553	2,444	$223,451	0.13%
117	VANECK ETF TRUST	92189F106	2,898	$221,408	0.12%
118	ISHARES TR	464288638	4,075	$220,401	0.12%
119	ROCKET COS INC	77311W101	11,000	$213,180	0.12%
120	SPDR SERIES TRUST	78468R788	4,717	$207,527	0.12%
121	ISHARES TR	464288802	1,516	$205,645	0.12%
122	MPLX LP	MPLXP	4,057	$202,647	0.11%
123	FS KKR CAP CORP	FSK	12,570	$187,670	0.11%
124	FS CREDIT OPPORTUNITIES CORP	FSCO	26,142	$180,641	0.10%
125	ARBOR REALTY TRUST INC	ABR-PF	11,706	$142,930	0.08%