13F HOLDINGS REPORT

PENOBSCOT WEALTH MANAGEMENT

Quarter ended Q4 2025 · Filed February 12, 2026 · Accession 0002063364-26-000073

Total Value

$323.5M

Positions

105

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (105)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	SPDR SERIES TRUST	78464A854	778,986	$62.5M	19.31%
2	DIMENSIONAL ETF TRUST	25434V583	858,974	$46.4M	14.36%
3	VANGUARD TAX-MANAGED FDS	921943858	593,408	$37.1M	11.46%
4	ISHARES TR	46435G672	290,261	$14.5M	4.49%
5	VANGUARD WORLD FD	92204A702	16,367	$12.3M	3.81%
6	VANGUARD INTL EQUITY INDEX F	922042858	215,513	$11.6M	3.58%
7	J P MORGAN EXCHANGE TRADED F	46654Q609	101,389	$9.4M	2.91%
8	ISHARES TR	46429B747	84,703	$8.7M	2.68%
9	DIMENSIONAL ETF TRUST	25434V799	236,787	$8.2M	2.52%
10	VANGUARD WORLD FD	92204A405	45,192	$6.0M	1.86%
11	VANGUARD INDEX FDS	922908363	7,661	$4.8M	1.48%
12	WORLD GOLD TR	GLDW	54,638	$4.7M	1.44%
13	DIMENSIONAL ETF TRUST	25434V302	138,947	$4.5M	1.40%
14	SPDR SERIES TRUST	78464A508	75,344	$4.3M	1.32%
15	VANGUARD WORLD FD	92204A884	21,835	$4.2M	1.31%
16	VANGUARD WORLD FD	92204A504	12,681	$3.7M	1.13%
17	SCHWAB STRATEGIC TR	808524201	134,459	$3.6M	1.12%
18	INVESCO EXCHANGE TRADED FD T	IVZ	34,729	$3.6M	1.10%
19	FIDELITY COVINGTON TRUST	316092204	34,489	$3.5M	1.09%
20	ISHARES TR	46432F834	37,191	$3.1M	0.97%
21	APPLE INC	AAPL	11,531	$3.1M	0.97%
22	FIDELITY COVINGTON TRUST	316092709	35,406	$2.9M	0.90%
23	ISHARES TR	464287812	38,559	$2.6M	0.80%
24	ISHARES INC	46434G822	31,315	$2.5M	0.78%
25	PACER FDS TR	69374H881	40,634	$2.4M	0.76%
26	ISHARES TR	46434V738	31,426	$2.2M	0.69%
27	VANGUARD INDEX FDS	922908553	22,878	$2.0M	0.63%
28	ISHARES TR	464288224	104,914	$1.7M	0.53%
29	SPDR SERIES TRUST	78468R648	26,600	$1.6M	0.49%
30	SELECT SECTOR SPDR TR	81369Y803	10,928	$1.6M	0.49%
31	IDEXX LABS INC	45168D104	2,307	$1.6M	0.48%
32	SELECT SECTOR SPDR TR	81369Y886	36,243	$1.5M	0.48%
33	NVIDIA CORPORATION	NVDA	7,875	$1.5M	0.45%
34	ISHARES TR	464288372	23,790	$1.5M	0.45%
35	ISHARES TR	464287150	9,704	$1.4M	0.45%
36	MICROSOFT CORP	MSFT	2,769	$1.3M	0.41%
37	SELECT SECTOR SPDR TR	81369Y605	23,538	$1.3M	0.40%
38	PACER FDS TR	69374H857	27,513	$1.2M	0.38%
39	ISHARES TR	46432F842	12,994	$1.2M	0.36%
40	SPDR SERIES TRUST	78464A805	14,072	$1.2M	0.36%
41	VANGUARD WORLD FD	921910733	8,646	$1.0M	0.32%
42	ISHARES TR	464287622	2,800	$1.0M	0.32%
43	SPDR INDEX SHS FDS	78463X509	22,067	$1.0M	0.32%
44	SPDR INDEX SHS FDS	78463X889	22,868	$1.0M	0.31%
45	ISHARES TR	464287721	5,045	$1.0M	0.31%
46	VANGUARD WORLD FD	92204A207	4,708	$994,616	0.31%
47	ISHARES TR	46435G516	10,400	$988,891	0.31%
48	VANGUARD BD INDEX FDS	921937835	12,131	$898,511	0.28%
49	ISHARES TR	464287655	3,378	$831,596	0.26%
50	VANGUARD INDEX FDS	922908744	4,205	$803,098	0.25%
51	FIDELITY COVINGTON TRUST	316092881	14,081	$747,857	0.23%
52	SPDR SERIES TRUST	78468R853	14,866	$696,609	0.22%
53	INVESCO EXCHANGE TRADED FD T	IVZ	14,865	$693,820	0.21%
54	VANGUARD INDEX FDS	922908769	2,044	$685,217	0.21%
55	SELECT SECTOR SPDR TR	81369Y852	5,640	$663,967	0.21%
56	AMAZON COM INC	AMZN	2,813	$649,297	0.20%
57	INVESCO EXCHANGE TRADED FD T	IVZ	3,249	$622,437	0.19%
58	VANGUARD INDEX FDS	922908751	2,300	$593,342	0.18%
59	MERCK & CO INC	MRK	5,425	$571,084	0.18%
60	SELECT SECTOR SPDR TR	81369Y209	3,652	$565,321	0.17%
61	SPDR GOLD TR	GLD	1,344	$532,641	0.16%
62	VANGUARD INDEX FDS	922908736	1,047	$510,806	0.16%
63	ISHARES TR	464287879	4,340	$493,570	0.15%
64	DIMENSIONAL ETF TRUST	25434V401	6,519	$483,514	0.15%
65	JPMORGAN CHASE & CO.	VYLD	1,365	$439,908	0.14%
66	UNITEDHEALTH GROUP INC	UNH	1,247	$411,746	0.13%
67	CATERPILLAR INC	CAT	706	$404,475	0.13%
68	NUSHARES ETF TR	NU	8,911	$401,429	0.12%
69	ALPHABET INC	GOOG	1,272	$398,031	0.12%
70	PROCTER AND GAMBLE CO	742718109	2,733	$391,603	0.12%
71	ISHARES TR	464287846	2,308	$382,743	0.12%
72	ISHARES INC	46434G863	8,366	$369,541	0.11%
73	ISHARES INC	46434G103	5,458	$366,899	0.11%
74	ISHARES TR	464287804	3,013	$362,154	0.11%
75	VANGUARD STAR FDS	921909768	4,712	$355,483	0.11%
76	SELECT SECTOR SPDR TR	81369Y407	2,938	$350,860	0.11%
77	FIDELITY COVINGTON TRUST	316092857	12,856	$345,698	0.11%
78	ISHARES TR	46436E767	5,955	$342,865	0.11%
79	FIRST SOLAR INC	FSLR	1,310	$342,211	0.11%
80	VANGUARD INDEX FDS	922908629	1,167	$338,710	0.10%
81	VANGUARD INDEX FDS	922908611	1,576	$333,768	0.10%
82	DIMENSIONAL ETF TRUST	25434V690	7,749	$332,010	0.10%
83	ALPHABET INC	GOOG	976	$306,340	0.09%
84	COSTCO WHSL CORP NEW	22160K105	345	$297,278	0.09%
85	VANGUARD CHARLOTTE FDS	92203J407	5,867	$283,486	0.09%
86	META PLATFORMS INC	META	425	$280,586	0.09%
87	THERMO FISHER SCIENTIFIC INC	TMO	449	$260,173	0.08%
88	GE AEROSPACE	369604301	832	$256,281	0.08%
89	INTERNATIONAL BUSINESS MACHS	INTR	850	$251,916	0.08%
90	SCHWAB STRATEGIC TR	808524300	7,663	$249,963	0.08%
91	VANECK ETF TRUST	92189F387	10,780	$246,970	0.08%
92	VANGUARD MUN BD FDS	922907746	4,845	$243,673	0.08%
93	SCHWAB STRATEGIC TR	808524409	8,187	$242,405	0.07%
94	PEPSICO INC	PEP	1,681	$241,209	0.07%
95	3M CO	MMM	1,452	$232,501	0.07%
96	DIMENSIONAL ETF TRUST	25434V716	5,302	$230,267	0.07%
97	VANGUARD INTL EQUITY INDEX F	922042874	2,706	$226,265	0.07%
98	FIDELITY COVINGTON TRUST	316092865	4,047	$223,470	0.07%
99	VANGUARD WHITEHALL FDS	921946810	2,442	$223,335	0.07%
100	EATON CORP PLC	ETN	700	$222,864	0.07%
101	VANGUARD WORLD FD	92204A108	556	$219,167	0.07%
102	ISHARES TR	464287614	461	$218,219	0.07%
103	JOHNSON & JOHNSON	JNJ	1,019	$210,910	0.07%
104	VISA INC	V	588	$206,278	0.06%
105	ISHARES TR	464287200	294	$201,389	0.06%