13F HOLDINGS REPORT

PANORAMIC INVESTMENT ADVISORS, LLC

Quarter ended Q4 2025 · Filed February 5, 2026 · Accession 0001986152-26-000012

Total Value

$184.0M

Positions

126

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (126)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	SPDR SERIES TRUST	78464A854	322,251	$25.9M	14.05%
2	VANGUARD INDEX FDS	922908736	13,808	$6.7M	3.66%
3	VANGUARD MALVERN FDS	922020755	85,680	$6.7M	3.64%
4	SCHWAB STRATEGIC TR	808524409	220,061	$6.5M	3.54%
5	SCHWAB STRATEGIC TR	808524300	177,910	$5.8M	3.15%
6	ALPHABET INC	GOOG	18,056	$5.7M	3.08%
7	ISHARES TR	46434V878	95,720	$4.8M	2.63%
8	SCHWAB STRATEGIC TR	808524797	135,285	$3.7M	2.02%
9	DIMENSIONAL ETF TRUST	25434V666	104,526	$3.6M	1.94%
10	INVESCO QQQ TR	IVZ	5,567	$3.4M	1.86%
11	VANGUARD WHITEHALL FDS	921946406	23,158	$3.3M	1.81%
12	VANECK ETF TRUST	92189F643	31,552	$3.3M	1.78%
13	BERKSHIRE HATHAWAY INC DEL	BRK-A	6,183	$3.1M	1.69%
14	FIDELITY WISE ORIGIN BITCOIN	FBTC	40,283	$3.1M	1.67%
15	ISHARES TR	464287200	4,477	$3.1M	1.67%
16	J P MORGAN EXCHANGE TRADED F	46641Q332	52,853	$3.0M	1.64%
17	ALPHABET INC	GOOG	9,643	$3.0M	1.64%
18	NVIDIA CORPORATION	NVDA	15,173	$2.8M	1.54%
19	ISHARES BITCOIN TRUST ETF	IBIT	54,173	$2.7M	1.46%
20	VANGUARD INDEX FDS	922908363	4,275	$2.7M	1.46%
21	ISHARES TR	464287432	29,606	$2.6M	1.40%
22	ISHARES TR	46432F339	12,822	$2.5M	1.38%
23	APPLE INC	AAPL	8,804	$2.4M	1.30%
24	SCHWAB STRATEGIC TR	808524102	90,180	$2.4M	1.29%
25	SCHWAB STRATEGIC TR	808524508	76,283	$2.3M	1.25%
26	VANGUARD WORLD FD	92204A702	3,032	$2.3M	1.24%
27	SCHWAB STRATEGIC TR	808524607	79,140	$2.3M	1.22%
28	ISHARES TR	46432F842	24,286	$2.2M	1.18%
29	BLACKROCK ETF TRUST	BLK	64,752	$2.2M	1.17%
30	SELECT SECTOR SPDR TR	81369Y506	43,561	$1.9M	1.06%
31	ISHARES TR	46438G612	68,250	$1.9M	1.05%
32	NORTHERN LTS FD TR III	NTRSO	24,298	$1.9M	1.02%
33	META PLATFORMS INC	META	2,637	$1.7M	0.95%
34	WISDOMTREE TR	WT	19,369	$1.7M	0.94%
35	NORTHERN LTS FD TR III	NTRSO	27,023	$1.7M	0.91%
36	AMAZON COM INC	AMZN	6,880	$1.6M	0.86%
37	MICROSOFT CORP	MSFT	3,176	$1.5M	0.83%
38	ABBOTT LABS	ABLZF	11,986	$1.5M	0.82%
39	ISHARES TR	464288877	20,236	$1.4M	0.79%
40	ISHARES TR	464288448	36,023	$1.4M	0.77%
41	SCHWAB CHARLES CORP	SCHW-PJ	13,333	$1.3M	0.72%
42	PEPSICO INC	PEP	9,269	$1.3M	0.72%
43	GLOBAL X FDS	37960A529	18,829	$1.2M	0.66%
44	VANGUARD STAR FDS	921909768	15,447	$1.2M	0.63%
45	ISHARES TR	464287721	5,629	$1.1M	0.61%
46	INVESCO EXCH TRADED FD TR II	IVZ	54,905	$1.1M	0.59%
47	FIRST TR EXCHANGE TRADED FD	33738R506	14,566	$1.0M	0.55%
48	TIDAL TRUST I	886364231	40,515	$1.0M	0.55%
49	WISDOMTREE TR	WT	11,796	$1.0M	0.54%
50	MORGAN STANLEY ETF TRUST	MS-PQ	18,659	$939,854	0.51%
51	ISHARES TR	464288703	13,525	$926,454	0.50%
52	J P MORGAN EXCHANGE TRADED F	46654Q203	13,805	$802,347	0.44%
53	WELLTOWER INC	WELL	4,252	$789,214	0.43%
54	VANGUARD WHITEHALL FDS	921946794	8,475	$762,750	0.41%
55	ISHARES INC	46434G764	10,405	$756,258	0.41%
56	DOUBLELINE ETF TRUST	25861R105	15,125	$701,263	0.38%
57	BLACKROCK ETF TRUST II	BLK	13,238	$684,995	0.37%
58	SELECT SECTOR SPDR TR	81369Y605	12,008	$657,698	0.36%
59	INVESCO EXCHANGE TRADED FD T	IVZ	3,396	$650,538	0.35%
60	ISHARES TR	464287150	4,361	$648,437	0.35%
61	BROADCOM INC	AVGO	1,841	$637,170	0.35%
62	SPDR GOLD TR	GLD	1,586	$628,548	0.34%
63	MIDCAP FINANCIAL INVSTMNT CO	03761U502	53,630	$613,527	0.33%
64	GOLDMAN SACHS ETF TR	NVGLF	11,482	$607,053	0.33%
65	FIRST TR EXCHANGE-TRADED FD	33733E104	6,513	$602,528	0.33%
66	ISHARES GOLD TR	IAU	7,184	$583,125	0.32%
67	AIM ETF PRODUCTS TRUST	00888H604	13,250	$576,566	0.31%
68	INVESCO EXCH TRADED FD TR II	IVZ	7,892	$563,628	0.31%
69	ISHARES TR	464287507	8,129	$536,488	0.29%
70	BLACKROCK ETF TRUST II	BLK	10,050	$530,339	0.29%
71	EXXON MOBIL CORP	XOM	4,362	$524,949	0.29%
72	VANGUARD WORLD FD	92204A405	3,890	$519,224	0.28%
73	AB ACTIVE ETFS INC	00039J830	14,304	$513,943	0.28%
74	TESLA INC	TSLA	1,137	$511,332	0.28%
75	AIM ETF PRODUCTS TRUST	00888H703	12,125	$499,974	0.27%
76	ISHARES TR	46435G102	4,965	$489,053	0.27%
77	VANGUARD WORLD FD	92204A207	2,142	$452,560	0.25%
78	CROWDSTRIKE HLDGS INC	CRWD	898	$420,946	0.23%
79	ISHARES TR	464288810	6,649	$413,266	0.22%
80	ISHARES SILVER TR	SLV	6,343	$408,616	0.22%
81	COSTCO WHSL CORP NEW	22160K105	449	$387,200	0.21%
82	AMERICAN HEALTHCARE REIT INC	AHR	8,006	$376,762	0.20%
83	AIM ETF PRODUCTS TRUST	00888H745	10,300	$374,270	0.20%
84	SCHWAB STRATEGIC TR	808524201	13,878	$373,470	0.20%
85	VANGUARD WORLD FD	92204A306	2,891	$364,090	0.20%
86	VANGUARD WORLD FD	92204A504	1,217	$350,311	0.19%
87	ISHARES TR	464287705	2,650	$348,714	0.19%
88	PALANTIR TECHNOLOGIES INC	PLTR	1,956	$347,679	0.19%
89	JPMORGAN CHASE & CO.	VYLD	1,013	$326,257	0.18%
90	VANGUARD BD INDEX FDS	921937819	4,100	$319,308	0.17%
91	EATON CORP PLC	ETN	989	$315,006	0.17%
92	REALTY INCOME CORP	O	5,482	$309,042	0.17%
93	VANGUARD WORLD FD	92204A876	1,654	$306,085	0.17%
94	FIDELITY COVINGTON TRUST	316092501	3,900	$303,186	0.16%
95	VANGUARD WORLD FD	921910873	1,200	$301,404	0.16%
96	AIM ETF PRODUCTS TRUST	00888H505	7,500	$292,500	0.16%
97	MERCK & CO INC	MRK	2,773	$291,886	0.16%
98	SCHWAB STRATEGIC TR	808524805	12,132	$291,656	0.16%
99	ISHARES TR	464288646	5,444	$287,857	0.16%
100	SELECT SECTOR SPDR TR	81369Y209	1,800	$278,640	0.15%
101	VANGUARD WORLD FD	92204A884	1,434	$277,734	0.15%
102	GRAYSCALE BITCOIN TRUST ETF	GBTC	4,033	$275,696	0.15%
103	SOFI TECHNOLOGIES INC	SOFI	10,450	$273,581	0.15%
104	AIM ETF PRODUCTS TRUST	00888H109	6,275	$261,260	0.14%
105	ISHARES TR	464288570	2,005	$258,304	0.14%
106	VANGUARD INDEX FDS	922908512	1,455	$258,152	0.14%
107	SCHWAB STRATEGIC TR	808524706	7,817	$256,005	0.14%
108	NORTHERN LTS FD TR IV	NTRSO	10,500	$254,100	0.14%
109	VANECK ETF TRUST	92189F106	2,950	$252,986	0.14%
110	DBX ETF TR	233051200	5,220	$251,134	0.14%
111	VANGUARD WORLD FD	92204A108	614	$242,006	0.13%
112	SILA REALTY TRUST INC	SILA	10,250	$238,928	0.13%
113	TARGET CORP	TGT	2,392	$233,818	0.13%
114	ISHARES TR	464287879	2,045	$232,557	0.13%
115	SIMPLIFY EXCHANGE TRADED FUN	82889N632	10,350	$230,909	0.13%
116	LOCKHEED MARTIN CORP	LMT	474	$229,260	0.12%
117	SPDR S&P 500 ETF TR	SPY	324	$220,942	0.12%
118	ROCKET COS INC	77311W101	11,250	$217,800	0.12%
119	MPLX LP	MPLXP	3,957	$211,185	0.11%
120	VISA INC	V	591	$207,270	0.11%
121	ISHARES TR	464288802	1,486	$207,067	0.11%
122	SPDR SERIES TRUST	78468R788	4,758	$205,784	0.11%
123	ISHARES TR	464288638	3,756	$202,376	0.11%
124	FS KKR CAP CORP	FSK	11,743	$173,914	0.09%
125	FS CREDIT OPPORTUNITIES CORP	FSCO	23,963	$150,967	0.08%
126	ARBOR REALTY TRUST INC	ABR-PF	11,706	$90,839	0.05%