Lutz Financial Services LLC Portfolio Holdings

Lutz Financial Services LLC

$1.38 Billion
Q3 2025

Lutz Financial Services LLC has filed its 13F form on November 10, 2025 for Q3 2025 where it was disclosed a total value porftolio of $1.38 Billion distributed in 96 stocks.

Among their holdings, we can observe that their the top five positions include companies like: Vanguard Index Fds S&P 500 ETF with a value of $151M, Spdr Portfolio S&P 500 Value E with a value of $125M, Ishares Core S&P Mid Cap ETF with a value of $97.1M, Vanguard Bd Index Fd Inc Total with a value of $94.1M, and Vanguard Mun Bd Fds Tax Exempt with a value of $66.9M.

Examining the 13F form we can see an increase of $93M in the current position value, from $1.29B to 1.38B.

Below you can find more details about Lutz Financial Services LLC portfolio as well as his latest detailed transactions.

Portfolio value $1.38 Billion

ETFs: $1.37 Billion

Technology: $6.08 Million

Financial Services: $4.07 Million

Communication Services: $1.8 Million

Consumer Cyclical: $737,000

Consumer Defensive: $252,000

Healthcare: $228,000

Stock Holdings Table

Stock	Market Cap.	Holding Value (Reported)	# of Shares.	Last Trade
VOO Vanguard Index Fds S&P 500 ETF ETFs	$0	$151 Million 10.96% of portfolio	246,920	Q3 2025 Added 1.32%
SPYV Spdr Portfolio S&P 500 Value E ETFs	$0	$125 Million 9.09% of portfolio	2,266,428	Q3 2025 Added 2.7%
IJH Ishares Core S&P Mid Cap ETF ETFs	$0	$97.1 Million 7.04% of portfolio	1,488,531	Q3 2025 Added 2.1%
BND Vanguard Bd Index Fd Inc Total ETFs	$0	$94.1 Million 6.82% of portfolio	1,264,680	Q3 2025 Added 6.43%
VTEB Vanguard Mun Bd Fds Tax Exempt ETFs	$0	$66.9 Million 4.85% of portfolio	1,335,724	Q3 2025 Added 6.07%
MDYV Spdr S&P 400 Mid Cap Value ETF ETFs	$0	$60.6 Million 4.39% of portfolio	726,188	Q3 2025 Added 3.56%
VCSH Vanguard Sht Term Corp Bd ETF ETFs	$0	$59.6 Million 4.32% of portfolio	745,702	Q3 2025 Added 8.19%
SCHP Schwab Strategic Us Tips ETF ETFs	$0	$53.6 Million 3.89% of portfolio	1,990,216	Q3 2025 Added 7.55%
MBB Ishares Tr ETFs	$0	$51.3 Million 3.72% of portfolio	538,957	Q3 2025 Added 9.9%

SPY Spdr S&P 500 ETF Trust ETFs	$0	$46.4 Million 3.37% of portfolio	69,715	Q3 2025 Reduced 1.4%
MUB Ishares National Muni Bond ETF ETFs	$0	$36.1 Million 2.62% of portfolio	338,864	Q3 2025 Reduced 1.5%
DFAC Dimensional ETF Tr U S Core Eq ETFs	$0	$32.3 Million 2.34% of portfolio	836,465	Q3 2025 Added 1.9%
IGSB Ishares Trust Ishares 1 5 Year ETFs	$0	$25.5 Million 1.85% of portfolio	480,348	Q3 2025 Added 0.61%
DFIC Dimensional ETF Tr Dimensional ETFs	$0	$24.8 Million 1.79% of portfolio	755,336	Q3 2025 Added 2.1%
IVE Ishares S&P 500 Value ETF ETFs	$0	$22.7 Million 1.64% of portfolio	109,875	Q3 2025 Reduced 0.71%
IJR Ishares Core S&P Sm Cap ETF ETFs	$0	$21.4 Million 1.55% of portfolio	179,914	Q3 2025 Added 0.94%
AGG Ishares Core U.S. Aggregate Bo ETFs	$0	$21.1 Million 1.53% of portfolio	210,884	Q3 2025 Reduced 2.17%
BSV Vanguard Bd Index Fd Inc Short ETFs	$0	$20.1 Million 1.46% of portfolio	254,512	Q3 2025 Added 4.96%

SCHM Schwab Strategic U.S. Mid Cap ETFs	$0	$20 Million 1.45% of portfolio	674,981	Q3 2025 Reduced 1.98%
DUHP Dimensional ETF Tr Dimensional ETFs	$0	$19.4 Million 1.41% of portfolio	514,349	Q3 2025 Added 5.47%
SCHX Schwab Strategic Tr Us Large C ETFs	$0	$19.4 Million 1.41% of portfolio	736,160	Q3 2025 Reduced 0.19%
DFAS Dimensional ETF Tr U S Small C ETFs	$0	$15.9 Million 1.15% of portfolio	232,493	Q3 2025 Reduced 1.11%
IVV Ishares Core S&P 500 ETF ETFs	$0	$15.9 Million 1.15% of portfolio	23,742	Q3 2025 Reduced 0.94%
VOE Vanguard Mid Cap Value Index F ETFs	$0	$15.6 Million 1.13% of portfolio	89,418	Q3 2025 Reduced 1.35%
IJJ Ishares S&P Midcap 400 Value E ETFs	$0	$15.6 Million 1.13% of portfolio	120,160	Q3 2025 Reduced 0.34%
VTV Vanguard Value ETF ETFs	$0	$15.4 Million 1.11% of portfolio	82,491	Q3 2025 Added 0.31%
TIP Ishares Tr Tips Bd ETF ETFs	$0	$14.9 Million 1.08% of portfolio	133,914	Q3 2025 Reduced 0.69%
VOOV Vanguard S&P 500 Value ETF ETFs	$0	$14.9 Million 1.08% of portfolio	74,777	Q3 2025 Reduced 0.89%
QUAL Ishares Msci Usa Quality Facto ETFs	$0	$14.2 Million 1.03% of portfolio	73,147	Q3 2025 Reduced 1.01%
SLYV Spdr S&P 600 Small Cap Value E ETFs	$0	$12.8 Million 0.93% of portfolio	144,379	Q3 2025 Reduced 2.12%
AVDE American Centy ETF Tr Avantis ETFs	$0	$12.3 Million 0.89% of portfolio	155,866	Q3 2025 Reduced 1.48%
IVOV Vanguard S&P Mid Cap 400 Value ETFs	$0	$11.9 Million 0.86% of portfolio	117,735	Q3 2025 Reduced 1.38%
SCHA Schwab Strategic Tr Us Small C ETFs	$0	$11.5 Million 0.83% of portfolio	412,847	Q3 2025 Reduced 0.8%
IUSV Ishares Core S&P U.S. Value Et ETFs	$0	$11.3 Million 0.82% of portfolio	113,270	Q3 2025 Reduced 0.13%
MDY Spdr S&P Midcap 400 ETF Trust ETFs	$0	$11.2 Million 0.81% of portfolio	18,852	Q3 2025 Reduced 1.33%
AVUV American Centy ETF Tr Avantis ETFs	$0	$9.8 Million 0.71% of portfolio	98,478	Q3 2025 Added 6.02%
DFAT Dimensional ETF Tr U S Target ETFs	$0	$8.11 Million 0.59% of portfolio	139,384	Q3 2025 Reduced 1.57%
STIP Ishares Barclays 0 5 Year Tips ETFs	$0	$7.89 Million 0.57% of portfolio	76,375	Q3 2025 Added 9.43%
DFEM Dimensional ETF Tr Emerging Mk ETFs	$0	$7.33 Million 0.53% of portfolio	228,424	Q3 2025 Added 3.37%
SUB Ishares Short Term National Mu ETFs	$0	$7.02 Million 0.51% of portfolio	65,753	Q3 2025 Reduced 0.02%
DFUV Dimensional ETF Tr Us Marketwi ETFs	$0	$5.72 Million 0.41% of portfolio	127,966	Q3 2025 Reduced 2.08%
VBR Vanguard Small Cap Value ETF ETFs	$0	$5.11 Million 0.37% of portfolio	24,496	Q3 2025 Reduced 0.72%
IWV Ishares Russell 3000 ETF ETFs	$0	$4.8 Million 0.35% of portfolio	12,666	Q3 2025 Reduced 4.37%
IJS Ishares S&P Smallcap 600 Value ETFs	$0	$4.85 Million 0.35% of portfolio	43,812	Q3 2025 Reduced 0.23%
STPZ Pimco ETF Tr 1 5 Yr Us Tips In ETFs	$0	$4.64 Million 0.34% of portfolio	85,614	Q2 2025 Reduced 1.18%
IEMG Ishares Inc ETFs	$0	$4.6 Million 0.33% of portfolio	85,767	Q3 2025 Reduced 1.4%
ISTB Ihares Core 1 5 Years Usd Bond ETFs	$0	$4.48 Million 0.32% of portfolio	91,801	Q3 2025 Added 1.38%
VWO Vanguard Ftse Emerging Mkts Et ETFs	$0	$4.27 Million 0.31% of portfolio	78,781	Q3 2025 Reduced 1.58%
VTIP Vanguard Sht Trm Inflt Prot Fd ETFs	$0	$4.33 Million 0.31% of portfolio	85,549	Q3 2025 Reduced 0.45%
BRK-B Berkshire Hathaway Inc Class B Financial Services	$662B	$2.36 Million 0.17% of portfolio	4,688	Q3 2025 Added 5.09%

Summary

Portfolio
No. of Stocks 96
Current Value $1.38 Billion
Prior Value $1.29 Billion
Filing
Period Q3 2025
Filing Date November 10, 2025
Form Type 13F-HR
Activity in Q3 2025
New Purchases 2 stocks
Additional Purchases 32 stocks
Sold out of 0 stocks
Reduced holdings in 45 stocks

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Lutz Financial Services LLC Portfolio Holdings