13F HOLDINGS REPORT
Penney Financial, LLC
Quarter ended Q3 2025 · Filed October 21, 2025 · Accession 0002049857-25-000005
Total Value
$223.3M
Positions
49
Other Managers
0
Confidential Omitted
No
Holdings (49)
| # | Issuer | Ticker / CUSIP | Shares | Value | % of Filing |
|---|---|---|---|---|---|
| 1 | GOLDMAN SACHS ETF TR | NVGLF | 435,895 | $56.8M | 25.43% |
| 2 | VANGUARD INDEX FDS | 922908769 | 118,453 | $38.9M | 17.41% |
| 3 | VANGUARD TAX-MANAGED FDS | 921943858 | 314,790 | $18.9M | 8.45% |
| 4 | ISHARES TR | 46436E718 | 117,816 | $11.9M | 5.31% |
| 5 | ISHARES TR | 46432F842 | 118,436 | $10.3M | 4.63% |
| 6 | SCHWAB STRATEGIC TR | 808524797 | 306,235 | $8.4M | 3.74% |
| 7 | J P MORGAN EXCHANGE TRADED F | 46641Q159 | 179,047 | $8.3M | 3.72% |
| 8 | VANGUARD WHITEHALL FDS | 921946406 | 56,933 | $8.0M | 3.59% |
| 9 | MORGAN STANLEY ETF TRUST | MS-PQ | 117,979 | $6.1M | 2.72% |
| 10 | VANGUARD MALVERN FDS | 922020748 | 77,332 | $6.1M | 2.72% |
| 11 | VANGUARD INDEX FDS | 922908751 | 23,100 | $5.9M | 2.63% |
| 12 | J P MORGAN EXCHANGE TRADED F | 46641Q332 | 90,462 | $5.2M | 2.31% |
| 13 | ISHARES TR | 464287226 | 41,705 | $4.2M | 1.87% |
| 14 | J P MORGAN EXCHANGE TRADED F | 46654Q724 | 61,161 | $4.0M | 1.78% |
| 15 | VANGUARD MUN BD FDS | 922907746 | 57,837 | $2.9M | 1.30% |
| 16 | SCHWAB STRATEGIC TR | 808524102 | 110,248 | $2.8M | 1.27% |
| 17 | VANGUARD STAR FDS | 921909768 | 37,649 | $2.8M | 1.24% |
| 18 | ISHARES TR | 464288158 | 23,581 | $2.5M | 1.13% |
| 19 | APPLE INC | AAPL | 8,451 | $2.2M | 0.96% |
| 20 | FRANKLIN TEMPLETON ETF TR | FGDL | 76,537 | $1.9M | 0.85% |
| 21 | CAPITAL GRP FIXED INCM ETF T | 14020Y201 | 58,766 | $1.6M | 0.72% |
| 22 | DIMENSIONAL ETF TRUST | 25434V849 | 31,737 | $1.5M | 0.68% |
| 23 | MICROSOFT CORP | MSFT | 1,890 | $978,926 | 0.44% |
| 24 | ISHARES TR | 464287200 | 1,374 | $919,618 | 0.41% |
| 25 | ISHARES TR | 464287622 | 2,380 | $869,842 | 0.39% |
| 26 | CHEVRON CORP NEW | CVX | 5,508 | $855,288 | 0.38% |
| 27 | VANGUARD INDEX FDS | 922908363 | 1,257 | $769,937 | 0.34% |
| 28 | J P MORGAN EXCHANGE TRADED F | 46641Q761 | 11,943 | $751,334 | 0.34% |
| 29 | AMAZON COM INC | AMZN | 3,261 | $716,018 | 0.32% |
| 30 | CHENIERE ENERGY INC | LNG | 2,725 | $640,321 | 0.29% |
| 31 | BLACKROCK ETF TRUST II | BLK | 27,300 | $609,882 | 0.27% |
| 32 | ISHARES TR | 464287655 | 2,203 | $533,038 | 0.24% |
| 33 | ISHARES TR | 464287150 | 3,481 | $507,008 | 0.23% |
| 34 | INSPERITY INC | NSP | 6,976 | $343,219 | 0.15% |
| 35 | BROADCOM INC | AVGO | 1,000 | $329,910 | 0.15% |
| 36 | EQUINOR ASA | STOHF | 13,297 | $324,181 | 0.15% |
| 37 | VANGUARD BD INDEX FDS | 921937827 | 3,866 | $305,066 | 0.14% |
| 38 | GRANITE CONSTR INC | GVA | 2,647 | $290,244 | 0.13% |
| 39 | META PLATFORMS INC | META | 384 | $282,002 | 0.13% |
| 40 | ISHARES TR | 464287507 | 4,175 | $272,461 | 0.12% |
| 41 | FEDEX CORP | FDX | 1,151 | $271,417 | 0.12% |
| 42 | SCHWAB STRATEGIC TR | 808524201 | 9,816 | $258,556 | 0.12% |
| 43 | VANGUARD INDEX FDS | 922908736 | 519 | $248,918 | 0.11% |
| 44 | EXXON MOBIL CORP | XOM | 2,026 | $228,432 | 0.10% |
| 45 | SPDR INDEX SHS FDS | 78463X848 | 6,540 | $228,377 | 0.10% |
| 46 | ELI LILLY & CO | LLY | 297 | $226,611 | 0.10% |
| 47 | VISA INC | V | 645 | $220,190 | 0.10% |
| 48 | JPMORGAN CHASE & CO. | VYLD | 658 | $207,553 | 0.09% |
| 49 | SELECT SECTOR SPDR TR | 81369Y803 | 720 | $202,939 | 0.09% |