13F HOLDINGS REPORT

PENOBSCOT WEALTH MANAGEMENT

Quarter ended Q3 2025 · Filed November 19, 2025 · Accession 0002063364-25-000280

Total Value

$311.6M

Positions

103

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (103)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	SPDR SERIES TRUST	78464A854	761,868	$59.7M	19.16%
2	DIMENSIONAL ETF TRUST	25434V583	807,488	$44.9M	14.40%
3	VANGUARD TAX-MANAGED FDS	921943858	579,820	$34.7M	11.15%
4	ISHARES TR	46435G672	273,041	$14.0M	4.49%
5	VANGUARD WORLD FD	92204A702	16,278	$12.2M	3.90%
6	VANGUARD INTL EQUITY INDEX F	922042858	208,666	$11.3M	3.63%
7	J P MORGAN EXCHANGE TRADED F	46654Q609	96,883	$9.1M	2.92%
8	ISHARES TR	46429B747	80,998	$8.4M	2.69%
9	DIMENSIONAL ETF TRUST	25434V799	232,174	$7.6M	2.44%
10	VANGUARD WORLD FD	92204A405	43,582	$5.7M	1.84%
11	VANGUARD INDEX FDS	922908363	7,628	$4.7M	1.50%
12	WORLD GOLD TR	GLDW	57,767	$4.4M	1.42%
13	SPDR SERIES TRUST	78464A508	74,232	$4.1M	1.32%
14	DIMENSIONAL ETF TRUST	25434V302	127,115	$4.0M	1.29%
15	VANGUARD WORLD FD	92204A884	21,271	$4.0M	1.28%
16	SCHWAB STRATEGIC TR	808524201	136,430	$3.6M	1.15%
17	INVESCO EXCHANGE TRADED FD T	IVZ	33,707	$3.5M	1.14%
18	FIDELITY COVINGTON TRUST	316092204	33,334	$3.4M	1.10%
19	VANGUARD WORLD FD	92204A504	13,102	$3.4M	1.09%
20	ISHARES TR	46432F834	37,047	$3.1M	0.98%
21	APPLE INC	AAPL	11,474	$2.9M	0.94%
22	FIDELITY COVINGTON TRUST	316092709	34,619	$2.8M	0.91%
23	ISHARES TR	464287812	39,419	$2.7M	0.87%
24	ISHARES INC	46434G822	30,550	$2.5M	0.79%
25	PACER FDS TR	69374H881	40,512	$2.3M	0.75%
26	ISHARES TR	46434V738	30,840	$2.1M	0.67%
27	VANGUARD INDEX FDS	922908553	21,647	$2.0M	0.64%
28	ISHARES TR	464288224	109,936	$1.7M	0.55%
29	SPDR SERIES TRUST	78468R648	26,203	$1.6M	0.52%
30	SELECT SECTOR SPDR TR	81369Y886	17,993	$1.6M	0.50%
31	IDEXX LABS INC	45168D104	2,337	$1.5M	0.48%
32	SELECT SECTOR SPDR TR	81369Y803	5,104	$1.4M	0.46%
33	ISHARES TR	464288372	23,428	$1.4M	0.46%
34	ISHARES TR	464287150	9,672	$1.4M	0.45%
35	MICROSOFT CORP	MSFT	2,677	$1.4M	0.44%
36	ISHARES TR	46434V407	28,865	$1.2M	0.40%
37	SELECT SECTOR SPDR TR	81369Y605	22,655	$1.2M	0.39%
38	PACER FDS TR	69374H857	27,174	$1.2M	0.38%
39	NVIDIA CORPORATION	NVDA	6,356	$1.2M	0.38%
40	VANGUARD BD INDEX FDS	921937835	15,740	$1.2M	0.38%
41	SPDR SERIES TRUST	78464A805	14,061	$1.1M	0.36%
42	ISHARES TR	46432F842	12,857	$1.1M	0.36%
43	ISHARES TR	464287622	2,800	$1.0M	0.33%
44	ISHARES TR	464287721	5,082	$995,430	0.32%
45	VANGUARD WORLD FD	921910733	8,370	$991,300	0.32%
46	SPDR INDEX SHS FDS	78463X509	20,263	$948,527	0.30%
47	ISHARES TR	46435G516	10,055	$934,872	0.30%
48	SPDR INDEX SHS FDS	78463X889	20,870	$893,022	0.29%
49	VANGUARD INDEX FDS	922908744	4,225	$787,843	0.25%
50	VANGUARD WORLD FD	92204A207	3,644	$778,929	0.25%
51	ISHARES TR	464287655	3,202	$774,660	0.25%
52	ISHARES TR	464288281	7,538	$717,554	0.23%
53	INVESCO EXCHANGE TRADED FD T	IVZ	14,864	$709,299	0.23%
54	FIDELITY COVINGTON TRUST	316092881	13,528	$709,277	0.23%
55	SPDR SERIES TRUST	78468R853	15,220	$704,991	0.23%
56	VANGUARD INDEX FDS	922908769	2,049	$672,476	0.22%
57	SELECT SECTOR SPDR TR	81369Y852	5,431	$642,810	0.21%
58	INVESCO EXCHANGE TRADED FD T	IVZ	3,241	$614,908	0.20%
59	AMAZON COM INC	AMZN	2,702	$593,278	0.19%
60	VANGUARD INDEX FDS	922908751	2,294	$583,271	0.19%
61	SELECT SECTOR SPDR TR	81369Y209	3,684	$512,756	0.16%
62	VANGUARD INDEX FDS	922908736	1,047	$502,152	0.16%
63	SPDR GOLD TR	GLD	1,365	$485,217	0.16%
64	ISHARES TR	464287879	4,341	$480,046	0.15%
65	DIMENSIONAL ETF TRUST	25434V401	6,519	$472,236	0.15%
66	MERCK & CO INC	MRK	5,417	$454,644	0.15%
67	UNITEDHEALTH GROUP INC	UNH	1,270	$438,403	0.14%
68	JPMORGAN CHASE & CO.	VYLD	1,362	$429,515	0.14%
69	VANGUARD MUN BD FDS	922907746	8,530	$427,103	0.14%
70	PROCTER AND GAMBLE CO	742718109	2,730	$419,410	0.13%
71	FIDELITY COVINGTON TRUST	316092857	13,991	$389,090	0.12%
72	NUSHARES ETF TR	NU	8,642	$378,754	0.12%
73	ISHARES TR	464287846	2,308	$375,052	0.12%
74	ISHARES TR	464287804	3,036	$360,728	0.12%
75	ISHARES INC	46434G103	5,378	$354,526	0.11%
76	ISHARES INC	46434G863	8,163	$354,443	0.11%
77	SELECT SECTOR SPDR TR	81369Y407	1,470	$352,287	0.11%
78	VANGUARD INDEX FDS	922908629	1,159	$340,551	0.11%
79	CATERPILLAR INC	CAT	705	$336,251	0.11%
80	EATON CORP PLC	ETN	883	$330,353	0.11%
81	ISHARES TR	46436E767	5,753	$329,718	0.11%
82	COSTCO WHSL CORP NEW	22160K105	349	$322,721	0.10%
83	VANGUARD INDEX FDS	922908611	1,541	$321,622	0.10%
84	ALPHABET INC	GOOG	1,291	$313,881	0.10%
85	META PLATFORMS INC	META	425	$312,072	0.10%
86	DIMENSIONAL ETF TRUST	25434V690	7,615	$311,815	0.10%
87	FIRST SOLAR INC	FSLR	1,310	$288,894	0.09%
88	VANGUARD STAR FDS	921909768	3,832	$281,518	0.09%
89	VANGUARD CHARLOTTE FDS	92203J407	5,691	$281,495	0.09%
90	GE AEROSPACE	369604301	832	$250,282	0.08%
91	SCHWAB STRATEGIC TR	808524300	7,655	$244,283	0.08%
92	INTERNATIONAL BUSINESS MACHS	INTR	850	$239,967	0.08%
93	SCHWAB STRATEGIC TR	808524409	8,141	$236,997	0.08%
94	PEPSICO INC	PEP	1,681	$236,032	0.08%
95	DIMENSIONAL ETF TRUST	25434V716	5,470	$232,325	0.07%
96	FIDELITY COVINGTON TRUST	316092865	3,993	$225,467	0.07%
97	3M CO	MMM	1,450	$225,023	0.07%
98	VANGUARD WHITEHALL FDS	921946810	2,438	$218,339	0.07%
99	VANGUARD INTL EQUITY INDEX F	922042874	2,679	$213,792	0.07%
100	VANGUARD WORLD FD	92204A108	530	$210,095	0.07%
101	INVESCO EXCH TRADED FD TR II	IVZ	8,193	$208,267	0.07%
102	THERMO FISHER SCIENTIFIC INC	TMO	425	$206,134	0.07%
103	ALPHABET INC	GOOG	836	$203,590	0.07%