13F HOLDINGS REPORT
Penney Financial, LLC
Quarter ended Q4 2025 · Filed January 21, 2026 · Accession 0002049857-26-000001
Total Value
$259.1M
Positions
49
Other Managers
0
Confidential Omitted
No
Holdings (49)
| # | Issuer | Ticker / CUSIP | Shares | Value | % of Filing |
|---|---|---|---|---|---|
| 1 | GOLDMAN SACHS ETF TR | NVGLF | 472,644 | $62.6M | 24.14% |
| 2 | VANGUARD INDEX FDS | 922908769 | 124,072 | $41.6M | 16.05% |
| 3 | VANGUARD TAX-MANAGED FDS | 921943858 | 341,986 | $21.4M | 8.24% |
| 4 | ISHARES TR | 46436E718 | 183,697 | $18.4M | 7.12% |
| 5 | ISHARES TR | 46432F842 | 131,595 | $11.8M | 4.54% |
| 6 | J P MORGAN EXCHANGE TRADED F | 46641Q159 | 201,316 | $9.3M | 3.60% |
| 7 | VANGUARD WHITEHALL FDS | 921946406 | 60,808 | $8.7M | 3.37% |
| 8 | SCHWAB STRATEGIC TR | 808524797 | 306,674 | $8.4M | 3.25% |
| 9 | MORGAN STANLEY ETF TRUST | MS-PQ | 134,473 | $6.9M | 2.67% |
| 10 | VANGUARD MALVERN FDS | 922020748 | 88,421 | $6.9M | 2.66% |
| 11 | FRANKLIN TEMPLETON ETF TR | FGDL | 260,442 | $6.5M | 2.50% |
| 12 | VANGUARD INDEX FDS | 922908751 | 24,650 | $6.4M | 2.45% |
| 13 | J P MORGAN EXCHANGE TRADED F | 46641Q332 | 97,787 | $5.6M | 2.16% |
| 14 | CAPITAL GRP FIXED INCM ETF T | 14020Y201 | 164,085 | $4.5M | 1.73% |
| 15 | ISHARES TR | 464287226 | 44,448 | $4.4M | 1.71% |
| 16 | DIMENSIONAL ETF TRUST | 25434V849 | 88,305 | $4.3M | 1.64% |
| 17 | J P MORGAN EXCHANGE TRADED F | 46654Q724 | 63,799 | $4.2M | 1.64% |
| 18 | VANGUARD MUN BD FDS | 922907746 | 73,132 | $3.7M | 1.42% |
| 19 | VANGUARD STAR FDS | 921909768 | 41,273 | $3.1M | 1.20% |
| 20 | SCHWAB STRATEGIC TR | 808524102 | 110,748 | $2.9M | 1.12% |
| 21 | ISHARES TR | 464288158 | 24,606 | $2.6M | 1.01% |
| 22 | APPLE INC | AAPL | 8,887 | $2.4M | 0.93% |
| 23 | VANGUARD INDEX FDS | 922908363 | 2,070 | $1.3M | 0.50% |
| 24 | ISHARES TR | 464287200 | 1,374 | $941,108 | 0.36% |
| 25 | MICROSOFT CORP | MSFT | 1,890 | $914,042 | 0.35% |
| 26 | ISHARES TR | 464287622 | 2,380 | $888,787 | 0.34% |
| 27 | CHEVRON CORP NEW | CVX | 5,508 | $839,426 | 0.32% |
| 28 | J P MORGAN EXCHANGE TRADED F | 46641Q761 | 11,943 | $754,559 | 0.29% |
| 29 | AMAZON COM INC | AMZN | 3,087 | $712,541 | 0.27% |
| 30 | ISHARES TR | 464287655 | 2,203 | $542,290 | 0.21% |
| 31 | CHENIERE ENERGY INC | LNG | 2,725 | $529,713 | 0.20% |
| 32 | ISHARES TR | 464287150 | 3,481 | $517,590 | 0.20% |
| 33 | BROADCOM INC | AVGO | 1,000 | $346,100 | 0.13% |
| 34 | FEDEX CORP | FDX | 1,151 | $332,478 | 0.13% |
| 35 | ELI LILLY & CO | LLY | 298 | $320,255 | 0.12% |
| 36 | EQUINOR ASA | STOHF | 13,297 | $314,208 | 0.12% |
| 37 | GRANITE CONSTR INC | GVA | 2,647 | $305,331 | 0.12% |
| 38 | VANGUARD BD INDEX FDS | 921937827 | 3,866 | $304,679 | 0.12% |
| 39 | INSPERITY INC | NSP | 6,976 | $270,111 | 0.10% |
| 40 | SCHWAB STRATEGIC TR | 808524201 | 9,816 | $264,151 | 0.10% |
| 41 | EXXON MOBIL CORP | XOM | 2,187 | $263,184 | 0.10% |
| 42 | ALPHABET INC | GOOG | 829 | $259,477 | 0.10% |
| 43 | META PLATFORMS INC | META | 384 | $253,475 | 0.10% |
| 44 | VANGUARD INDEX FDS | 922908736 | 519 | $253,199 | 0.10% |
| 45 | ISHARES TR | 464287507 | 3,575 | $235,950 | 0.09% |
| 46 | SPDR INDEX SHS FDS | 78463X848 | 6,540 | $234,917 | 0.09% |
| 47 | VISA INC | V | 645 | $226,208 | 0.09% |
| 48 | JPMORGAN CHASE & CO. | VYLD | 658 | $212,021 | 0.08% |
| 49 | BRITISH AMERN TOB PLC | 110448107 | 3,603 | $204,002 | 0.08% |