Institutional Manager · CIK 0001830823

eCIO, Inc.

MADISON, WI · File #028-25634

Latest AUM

$214.7M

Positions

192

Top-10 Concentration

77.1%

Filings

Portfolio Value Over Time

2025-06

2025-09

2025-12

Biggest QoQ Changes

Ranked by conviction flow (share change × current price) so mark-to-market moves don't dominate. Price effect column shows how much of the $ change was just the stock moving.

Action	Issuer	Ticker / CUSIP	Δ Shares	Flow ($)	Price Effect
EXITED	Schwab S&P 500 Index Fund	808509855	-3,673,843	-$63.4M	$0
NEW	Vanguard Mortgage-Backed Securities Index Fund ETF Shares	92206C771	+252,033	+$11.9M	$0
EXITED	Schwab Treasury Obligation	808515480	-7,744,512	-$7.7M	$0
REDUCE	iShares Core U.S. Aggregate Bond ETF	464287226	-66,288	-$6.6M	-$151,397
EXITED	CLIFFWATER CORPORATE LEN DING I	186854204	-353,064	-$3.8M	$0
ADD	Schwab U.S. Dividend Equity ETF	808524797	+108,400	+$3.0M	+$127,376
ADD	VANGUARD INSTL INDEX FD VANGUARD 0 3 MONTH TREASURY BILL ETF	922040845	+33,829	+$2.6M	-$7,759
ADD	JANUS HENDERSON AAA CLO ETF	47103U845	+48,368	+$2.4M	-$24,712
ADD	BONDBLOXX ETF TRUST BONDBLOXX BLOOMBERG SIX MONTH TARGET DURATION US TREASRY ETF	09789C788	+46,525	+$2.3M	-$6,200
EXITED	Schwab Treasury Obligations Money Fund	808515621	-2,197,190	-$2.2M	$0

Sector Allocation

1.2%$2.6M

0.9%$1.9M

0.8%$1.8M

0.5%$1.2M

Consumer Discretionary

0.5%$999,718

Energy

0.2%$528,533

Consumer Staples

0.1%$259,896

Materials

0.0%$74,657

Communication Services

0.0%$66,009

Utilities

0.0%$44,561

Filing History

Jan 20, 202613F HOLDINGS REPORTQ/E Dec 2025192 pos · $214.7M
Nov 12, 202513F HOLDINGS REPORTQ/E Sep 202570 pos · $267.9M
Aug 8, 202513F HOLDINGS REPORTQ/E Jun 202571 pos · $237.2M
Jun 6, 202513F HOLDINGS REPORTQ/E Jun 2025511 pos · $298.9M

Top 20 Holdings — Dec 2025

#	Issuer	Ticker	Shares	Value	% of Portfolio
1	iShares Core U.S. Aggregate Bond ETF	464287226	342,999	$34.3M	16.68%
2	Schwab U.S. Dividend Equity ETF	808524797	1,088,202	$29.8M	14.54%
3	Schwab International Equity ETF	808524805	804,318	$19.3M	9.42%
4	Vanguard Short-Term Bond Index Fund ETF Shares	921937827	193,008	$15.2M	7.41%
5	Schwab U.S. Mid-Cap Index Fund	80850L726	866,702	$12.5M	6.07%
6	Vanguard Mortgage-Backed Securities Index Fund ETF Shares	92206C771	252,033	$11.9M	5.78%
7	iShares Core S&P Small-Cap ETF	464287804	92,618	$11.1M	5.42%
8	iShares MSCI USA ESG Select ETF	464288802	66,030	$9.2M	4.48%
9	JANUS HENDERSON AAA CLO ETF	47103U845	171,732	$8.7M	4.23%
10	iShares ESG Aware U.S. Aggregate Bond ETF	46435U549	133,860	$6.4M	3.12%
11	VANGUARD INSTL INDEX FD VANGUARD 0 3 MONTH TREASURY BILL ETF	922040845	75,648	$5.7M	2.78%
12	iShares Core MSCI Emerging Markets ETF	46434G103	72,136	$4.8M	2.36%
13	BONDBLOXX ETF TRUST BONDBLOXX BLOOMBERG SIX MONTH TARGET DURATION US TREASRY ETF	09789C788	82,929	$4.2M	2.03%
14	BONDBLOXX ETF TRUST BONDBLOXX BLOOMBERG ONE YEAR TARGET DURATION US TREASRY ETF	09789C861	78,369	$3.9M	1.89%
15	iShares ESG MSCI USA Small-Cap ETF	46435U663	71,501	$3.3M	1.60%
16	DBX ETF TR XTRACKERS S&P ESG DIVIDEND ARISTOCRATS ETF	23306X506	113,849	$3.1M	1.49%
17	iShares ESG MSCI EAFE ETF	46435G516	28,827	$2.7M	1.33%
18	iShares Core 1-5 Year USD Bond ETF	46432F859	55,343	$2.7M	1.31%
19	Vanguard Short-Term Treasury Index Fund ETF Shares	92206C102	26,437	$1.6M	0.76%
20	NUSHARES ETF TRUST NUVEEN ESG DIVIDEND ETF	NU	49,798	$1.5M	0.72%