# Clear Perspective Advisors, LLC

> Institutional holdings reported to the SEC as of Q4 2021 on Form 13F. CIK 1704677. Source: https://holderbook.com/funds/1704677-clear-perspective-advisors-llc/

- Reported value: $329.4M
- Positions: 181
- Weight of the ten largest: 52.4%
- Filed: 2022-02-17

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| SPDR SERIES TRUST | [SPYM](https://holderbook.com/stocks/SPYM/) | $56.5M | 1,011,305 | 17.1% | 13 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $23.9M | 296,111 | 7.3% | 13 |
| FIRST TR EXCHANGE-TRADED FD | [LMBS](https://holderbook.com/stocks/LMBS/) | $19.6M | 392,649 | 6.0% | 4 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $14.2M | 32,562 | 4.3% | 13 |
| RBB FD INC | [TMFC](https://holderbook.com/stocks/TMFC/) | $14.1M | 319,773 | 4.3% | 7 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $12.9M | 72,742 | 3.9% | 13 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $9.4M | 31,482 | 2.9% | 13 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $9.4M | 27,870 | 2.8% | 13 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $6.7M | 2,321 | 2.0% | 13 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $5.9M | 107,906 | 1.8% | 4 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $5.9M | 1,772 | 1.8% | 13 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $5.4M | 18,327 | 1.6% | 13 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $5.0M | 15,604 | 1.5% | 13 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $4.0M | 14,029 | 1.2% | 13 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $3.8M | 32,926 | 1.1% | 13 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $3.5M | 15,472 | 1.1% | 6 |
| INVESCO EXCH TRADED FD TR II | [SPHB](https://holderbook.com/stocks/SPHB/) | $3.2M | 40,603 | 1.0% | 5 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $3.2M | 14,725 | 1.0% | 6 |
| MASTERCARD INCORPORATED | [MA](https://holderbook.com/stocks/MA/) | $3.1M | 8,761 | 1.0% | 13 |
| VANGUARD SCOTTSDALE FDS | [VGIT](https://holderbook.com/stocks/VGIT/) | $3.0M | 45,493 | 0.9% | 13 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $2.9M | 33,851 | 0.9% | 13 |
| VANECK ETF TRUST | [OIH](https://holderbook.com/stocks/OIH/) | $2.8M | 15,124 | 0.8% | 4 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $2.7M | 18,352 | 0.8% | 13 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $2.6M | 7,672 | 0.8% | 13 |
| SELECT SECTOR SPDR TR | [XLE](https://holderbook.com/stocks/XLE/) | $2.4M | 44,122 | 0.7% | 7 |
| SPDR SERIES TRUST | [SPSM](https://holderbook.com/stocks/SPSM/) | $2.3M | 52,494 | 0.7% | 6 |
| SELECT SECTOR SPDR TR | [XLV](https://holderbook.com/stocks/XLV/) | $2.2M | 15,438 | 0.7% | 2 |
| UNION PAC CORP | [UNP](https://holderbook.com/stocks/UNP/) | $2.1M | 8,323 | 0.6% | 13 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $2.1M | 1,975 | 0.6% | 4 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $1.9M | 17,321 | 0.6% | 6 |
| SSGA ACTIVE TR | [STOT](https://holderbook.com/stocks/STOT/) | $1.9M | 39,219 | 0.6% | 12 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $1.8M | 633 | 0.6% | 13 |
| SPDR SERIES TRUST | [SPMD](https://holderbook.com/stocks/SPMD/) | $1.8M | 36,861 | 0.6% | 4 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $1.7M | 3,479 | 0.5% | 13 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $1.6M | 9,600 | 0.5% | 13 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $1.6M | 10,254 | 0.5% | 13 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $1.6M | 44,135 | 0.5% | 13 |
| PAYPAL HLDGS INC | [PYPL](https://holderbook.com/stocks/PYPL/) | $1.6M | 8,505 | 0.5% | 13 |
| LOWES COS INC | [LOW](https://holderbook.com/stocks/LOW/) | $1.6M | 6,175 | 0.5% | 13 |
| DISNEY WALT CO | [DIS](https://holderbook.com/stocks/DIS/) | $1.6M | 10,211 | 0.5% | 13 |
| INTEL CORP | [INTC](https://holderbook.com/stocks/INTC/) | $1.5M | 28,774 | 0.4% | 13 |
| SHERWIN WILLIAMS CO | [SHW](https://holderbook.com/stocks/SHW/) | $1.5M | 4,201 | 0.4% | 13 |
| VANGUARD INDEX FDS | [VXF](https://holderbook.com/stocks/VXF/) | $1.4M | 7,541 | 0.4% | 7 |
| BLACKROCK INC | [BLKXXXX](https://holderbook.com/stocks/BLKXXXX/) | $1.3M | 1,383 | 0.4% | 13 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $1.3M | 4,692 | 0.4% | 13 |
| UNITEDHEALTH GROUP INC | [UNH](https://holderbook.com/stocks/UNH/) | $1.3M | 2,492 | 0.4% | 6 |
| AMGEN INC | [AMGN](https://holderbook.com/stocks/AMGN/) | $1.2M | 5,211 | 0.4% | 13 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $1.2M | 7,158 | 0.4% | 13 |
| ORACLE CORP | [ORCL](https://holderbook.com/stocks/ORCL/) | $1.2M | 13,409 | 0.4% | 13 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $1.2M | 6,792 | 0.4% | 13 |
| PEPSICO INC | [PEP](https://holderbook.com/stocks/PEP/) | $1.2M | 6,710 | 0.4% | 13 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $1.2M | 4,211 | 0.4% | 13 |
| PIMCO ETF TR | [MINT](https://holderbook.com/stocks/MINT/) | $1.2M | 11,454 | 0.4% | 6 |
| ADOBE INC | [ADBE](https://holderbook.com/stocks/ADBE/) | $1.2M | 2,049 | 0.4% | 12 |
| UNITED PARCEL SVCS INC | [UPS](https://holderbook.com/stocks/UPS/) | $1.2M | 5,417 | 0.4% | 13 |
| PFIZER INC | [PFE](https://holderbook.com/stocks/PFE/) | $1.1M | 19,138 | 0.3% | 13 |
| PIMCO ETF TR | [LDUR](https://holderbook.com/stocks/LDUR/) | $1.0M | 10,428 | 0.3% | 5 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $1.0M | 4,656 | 0.3% | 3 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $991.0K | 15,643 | 0.3% | 13 |
| ENBRIDGE INC | [ENB](https://holderbook.com/stocks/ENB/) | $950.0K | 24,284 | 0.3% | 13 |
| FORD MTR CO | [F](https://holderbook.com/stocks/F/) | $943.0K | 45,408 | 0.3% | 8 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $935.0K | 7,966 | 0.3% | 13 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $921.0K | 2,220 | 0.3% | 7 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $906.0K | 1,596 | 0.3% | 12 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $887.0K | 3,672 | 0.3% | 13 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $858.0K | 6,339 | 0.3% | 13 |
| VERIZON COMMUNICATIONS INC | [VZ](https://holderbook.com/stocks/VZ/) | $819.0K | 15,760 | 0.2% | 13 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $793.0K | 1,192 | 0.2% | 7 |
| OLD SECOND BANCORP INC DEL | [OSBC](https://holderbook.com/stocks/OSBC/) | $793.0K | 63,025 | 0.2% | 13 |
| ACCENTURE PLC IRELAND | [ACN](https://holderbook.com/stocks/ACN/) | $786.0K | 1,896 | 0.2% | 13 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $746.0K | 4,440 | 0.2% | 1 |
| AT&T INC | [T](https://holderbook.com/stocks/T/) | $737.0K | 29,970 | 0.2% | 13 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $736.0K | 2,888 | 0.2% | 13 |
| ZSCALER INC | [ZS](https://holderbook.com/stocks/ZS/) | $736.0K | 2,290 | 0.2% | 6 |
| CVS HEALTH CORP | [CVS](https://holderbook.com/stocks/CVS/) | $735.0K | 7,122 | 0.2% | 13 |
| 3M CO | [MMM](https://holderbook.com/stocks/MMM/) | $717.0K | 4,034 | 0.2% | 13 |
| VANGUARD SCOTTSDALE FDS | [VGSH](https://holderbook.com/stocks/VGSH/) | $714.0K | 11,736 | 0.2% | 13 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $710.0K | 2,325 | 0.2% | 13 |
| TEXAS INSTRS INC | [TXN](https://holderbook.com/stocks/TXN/) | $690.0K | 3,659 | 0.2% | 7 |
| BAKER HUGHES COMPANY | [BKR](https://holderbook.com/stocks/BKR/) | $647.0K | 26,899 | 0.2% | 1 |
| OREILLY AUTOMOTIVE INC | [ORLY](https://holderbook.com/stocks/ORLY/) | $644.0K | 912 | 0.2% | 13 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $642.0K | 12,573 | 0.2% | 13 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $623.0K | 3,013 | 0.2% | 7 |
| SALESFORCE INC | [CRM](https://holderbook.com/stocks/CRM/) | $620.0K | 2,439 | 0.2% | 12 |
| BRISTOL-MYERS SQUIBB CO | [BMY](https://holderbook.com/stocks/BMY/) | $604.0K | 9,680 | 0.2% | 13 |
| SNOWFLAKE INC | [SNOW](https://holderbook.com/stocks/SNOW/) | $602.0K | 1,778 | 0.2% | 1 |
| GENERAL DYNAMICS CORP | [GD](https://holderbook.com/stocks/GD/) | $594.0K | 2,850 | 0.2% | 13 |
| COMCAST CORP NEW | [CMCSA](https://holderbook.com/stocks/CMCSA/) | $580.0K | 11,518 | 0.2% | 13 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $569.0K | 7,427 | 0.2% | 13 |
| FISERV INC | [FISV](https://holderbook.com/stocks/FISV/) | $568.0K | 5,469 | 0.2% | 10 |
| SPDR SERIES TRUST | [SPYV](https://holderbook.com/stocks/SPYV/) | $558.0K | 13,276 | 0.2% | 6 |
| PAGERDUTY INC | [PD](https://holderbook.com/stocks/PD/) | $557.0K | 16,025 | 0.2% | 1 |
| VANGUARD SCOTTSDALE FDS | [VGLT](https://holderbook.com/stocks/VGLT/) | $537.0K | 6,000 | 0.2% | 3 |
| ABBOTT LABORATORIES | [ABT](https://holderbook.com/stocks/ABT/) | $535.0K | 3,800 | 0.2% | 13 |
| ISHARES TR | [GVI](https://holderbook.com/stocks/GVI/) | $528.0K | 4,638 | 0.2% | 13 |
| IQVIA HLDGS INC | [IQV](https://holderbook.com/stocks/IQV/) | $521.0K | 1,848 | 0.2% | 7 |
| SCHWAB CHARLES CORP | [SCHW](https://holderbook.com/stocks/SCHW/) | $520.0K | 6,179 | 0.2% | 4 |
| INTUIT | [INTU](https://holderbook.com/stocks/INTU/) | $515.0K | 801 | 0.2% | 7 |
| ISHARES GOLD TR | [IAU](https://holderbook.com/stocks/IAU/) | $511.0K | 14,693 | 0.2% | 3 |
| NETFLIX INC | [NFLX](https://holderbook.com/stocks/NFLX/) | $501.0K | 831 | 0.2% | 1 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q4 2021 | +7.7% | +10.7% | -2.9% | 100% |
| Q3 2021 | -1.8% | +0.3% | -2.0% | 100% |
| Q2 2021 | +7.0% | +8.0% | -1.1% | 100% |
| Q1 2021 | +4.5% | +6.0% | -1.5% | 100% |
| Q4 2020 | +10.7% | +11.6% | -1.0% | 80% |
| Q3 2020 | +8.3% | +8.6% | -0.3% | 100% |
| Q2 2020 | +16.2% | +19.6% | -3.4% | 100% |
| Q1 2020 | -17.6% | -19.9% | +2.3% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q4 2021 | $329.4M | 181 |
| Q3 2021 | $292.3M | 169 |
| Q2 2021 | $288.1M | 162 |
| Q1 2021 | $255.7M | 152 |
| Q4 2020 | $244.7M | 143 |
| Q3 2020 | $213.0M | 137 |
| Q2 2020 | $183.3M | 120 |
| Q1 2020 | $149.8M | 111 |
| Q4 2019 | $161.6M | 134 |
| Q3 2019 | $220.6M | 150 |
| Q2 2019 | $155.8M | 189 |
| Q1 2019 | $141.0M | 137 |