13F HOLDINGS REPORT
Valpey Financial Services, LLC
Quarter ended Q4 2025 · Filed February 10, 2026 · Accession 0002077991-26-000001
Total Value
$2.8M
Positions
72
Other Managers
0
Confidential Omitted
No
Holdings (72)
| # | Issuer | Ticker / CUSIP | Shares | Value | % of Filing |
|---|---|---|---|---|---|
| 1 | SCHWAB STRATEGIC TR | 808524300 | 8,003,802 | $245,365 | 8.81% |
| 2 | SCHWAB STRATEGIC TR | 808524805 | 5,317,481 | $221,193 | 7.94% |
| 3 | SCHWAB STRATEGIC TR | 808524862 | 5,246,793 | $215,297 | 7.73% |
| 4 | SCHWAB STRATEGIC TR | 808524409 | 6,251,249 | $211,120 | 7.58% |
| 5 | SCHWAB STRATEGIC TR | 808524839 | 3,749,009 | $160,420 | 5.76% |
| 6 | SCHWAB STRATEGIC TR | 808524508 | 4,224,671 | $140,495 | 5.05% |
| 7 | VANGUARD CHARLOTTE FDS | 92203J407 | 6,751,430 | $139,723 | 5.02% |
| 8 | SCHWAB STRATEGIC TR | 808524607 | 3,638,749 | $127,765 | 4.59% |
| 9 | SPDR INDEX SHS FDS | 78463X889 | 5,507,040 | $124,004 | 4.45% |
| 10 | INVESCO EXCH TRADED FD TR II | IVZ | 2,476,445 | $117,926 | 4.23% |
| 11 | VANGUARD STAR FDS | 921909768 | 6,042,749 | $80,100 | 2.88% |
| 12 | VANGUARD INTL EQUITY INDEX F | 922042775 | 5,519,424 | $75,033 | 2.69% |
| 13 | SCHWAB STRATEGIC TR | 808524870 | 1,970,938 | $74,403 | 2.67% |
| 14 | VANGUARD BD INDEX FDS | 921937835 | 5,236,930 | $70,702 | 2.54% |
| 15 | VANGUARD BD INDEX FDS | 921937827 | 4,859,594 | $61,662 | 2.21% |
| 16 | VANGUARD INDEX FDS | 922908744 | 8,389,106 | $43,924 | 1.58% |
| 17 | SPDR SERIES TRUST | 78464A508 | 2,133,308 | $37,552 | 1.35% |
| 18 | VANGUARD SCOTTSDALE FDS | 92206C714 | 3,458,565 | $37,471 | 1.35% |
| 19 | VANGUARD SCOTTSDALE FDS | 92206C573 | 2,875,950 | $37,042 | 1.33% |
| 20 | ISHARES TR | 464287663 | 2,962,216 | $28,888 | 1.04% |
| 21 | ISHARES TR | 464287226 | 2,872,830 | $28,763 | 1.03% |
| 22 | VANGUARD INTL EQUITY INDEX F | 922042858 | 1,492,813 | $27,768 | 1.00% |
| 23 | ISHARES TR | 464287507 | 1,698,870 | $25,740 | 0.92% |
| 24 | ISHARES TR | 464287176 | 2,428,978 | $22,100 | 0.79% |
| 25 | ISHARES TR | 46435G672 | 1,100,644 | $22,008 | 0.79% |
| 26 | ISHARES TR | 464287465 | 2,091,588 | $21,781 | 0.78% |
| 27 | ISHARES TR | 464287671 | 3,525,312 | $20,991 | 0.75% |
| 28 | VANGUARD ADMIRAL FDS INC | 921932885 | 2,304,632 | $20,614 | 0.74% |
| 29 | VANGUARD INDEX FDS | 922908611 | 4,270,098 | $20,162 | 0.72% |
| 30 | VANGUARD ADMIRAL FDS INC | 921932828 | 2,101,246 | $18,937 | 0.68% |
| 31 | VANGUARD INDEX FDS | 922908736 | 8,168,795 | $16,744 | 0.60% |
| 32 | VANGUARD BD INDEX FDS | 92203C303 | 808,286 | $16,218 | 0.58% |
| 33 | VANGUARD TAX-MANAGED FDS | 921943858 | 983,739 | $15,747 | 0.57% |
| 34 | VANGUARD INDEX FDS | 922908629 | 4,423,038 | $15,240 | 0.55% |
| 35 | VANGUARD SCOTTSDALE FDS | 92206C680 | 1,737,121 | $14,268 | 0.51% |
| 36 | SPDR SERIES TRUST | 78464A847 | 814,448 | $14,064 | 0.51% |
| 37 | ISHARES TR | 46434V613 | 642,032 | $13,795 | 0.50% |
| 38 | ISHARES TR | 464287457 | 1,114,004 | $13,451 | 0.48% |
| 39 | SCHWAB STRATEGIC TR | 808524854 | 320,743 | $12,789 | 0.46% |
| 40 | VANGUARD SCOTTSDALE FDS | 92206C102 | 744,033 | $12,669 | 0.45% |
| 41 | SPDR SERIES TRUST | 78468R853 | 587,643 | $12,540 | 0.45% |
| 42 | ISHARES TR | 464287804 | 1,405,019 | $11,691 | 0.42% |
| 43 | ISHARES TR | 46435G326 | 960,434 | $11,644 | 0.42% |
| 44 | ISHARES TR | 464289883 | 460,161 | $11,467 | 0.41% |
| 45 | SPDR SERIES TRUST | 78468R200 | 333,542 | $10,854 | 0.39% |
| 46 | GOLDMAN SACHS ETF TR | NVGLF | 472,577 | $10,218 | 0.37% |
| 47 | ISHARES TR | 464287879 | 1,073,064 | $9,436 | 0.34% |
| 48 | ISHARES TR | 464289867 | 438,466 | $6,745 | 0.24% |
| 49 | SPDR SERIES TRUST | 78464A409 | 689,133 | $6,459 | 0.23% |
| 50 | ISHARES TR | 464287309 | 712,286 | $5,779 | 0.21% |
| 51 | ISHARES TR | 464288679 | 628,449 | $5,705 | 0.20% |
| 52 | ISHARES TR | 46432F834 | 475,909 | $5,623 | 0.20% |
| 53 | INVESCO EXCH TRADED FD TR II | IVZ | 354,415 | $4,962 | 0.18% |
| 54 | ISHARES TR | 464287119 | 474,901 | $4,565 | 0.16% |
| 55 | VANGUARD SCOTTSDALE FDS | 92206C870 | 358,467 | $4,280 | 0.15% |
| 56 | EXXON MOBIL CORP | XOM | 476,400 | $3,959 | 0.14% |
| 57 | ISHARES TR | 464288646 | 200,304 | $3,788 | 0.14% |
| 58 | VANGUARD INDEX FDS | 922908751 | 954,531 | $3,700 | 0.13% |
| 59 | ISHARES TR | 464289859 | 286,785 | $3,202 | 0.11% |
| 60 | ISHARES INC | 46434G103 | 212,101 | $3,155 | 0.11% |
| 61 | VANGUARD BD INDEX FDS | 921937819 | 230,932 | $2,965 | 0.11% |
| 62 | ISHARES TR | 464287408 | 623,189 | $2,939 | 0.11% |
| 63 | INTERNATIONAL BUSINESS MACHS | INTR | 867,007 | $2,927 | 0.11% |
| 64 | SPDR S&P 500 ETF TR | SPY | 1,613,297 | $2,366 | 0.08% |
| 65 | MICROSOFT CORP | MSFT | 1,027,590 | $2,125 | 0.08% |
| 66 | VANGUARD INDEX FDS | 922908769 | 704,360 | $2,101 | 0.08% |
| 67 | JPMORGAN CHASE & CO. | VYLD | 437,253 | $1,357 | 0.05% |
| 68 | HONEYWELL INTL INC | 438516106 | 208,746 | $1,070 | 0.04% |
| 69 | ALPHABET INC | GOOG | 318,321 | $1,017 | 0.04% |
| 70 | ISHARES TR | 464287598 | 211,725 | $1,007 | 0.04% |
| 71 | ISHARES TR | 464287614 | 356,868 | $754 | 0.03% |
| 72 | ISHARES TR | 464287200 | 219,181 | $320 | 0.01% |