# Lutz Financial Services LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1737112. Source: https://holderbook.com/funds/1737112-lutz-financial-services-llc/

- Reported value: $1.6B
- Positions: 112
- Weight of the ten largest: 59.1%
- Filed: 2026-08-05

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 |
|---|---|---|---|---|---|
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $176.0M | 256,299 | 10.7% | 31 |
| SPDR SERIES TRUST | [SPYV](https://holderbook.com/stocks/SPYV/) | $151.8M | 2,496,836 | 9.2% | 31 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $124.6M | 1,615,391 | 7.6% | 31 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $108.5M | 1,478,462 | 6.6% | 31 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $84.2M | 1,663,916 | 5.1% | 17 |
| SPDR SERIES TRUST | [MDYV](https://holderbook.com/stocks/MDYV/) | $78.7M | 829,586 | 4.8% | 30 |
| VANGUARD SCOTTSDALE FDS | [VCSH](https://holderbook.com/stocks/VCSH/) | $71.3M | 901,823 | 4.3% | 31 |
| SCHWAB STRATEGIC TR | [SCHP](https://holderbook.com/stocks/SCHP/) | $64.8M | 2,445,014 | 3.9% | 31 |
| ISHARES TR | [MBB](https://holderbook.com/stocks/MBB/) | $62.2M | 658,034 | 3.8% | 11 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $49.2M | 65,867 | 3.0% | 31 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $41.2M | 928,322 | 2.5% | 15 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $38.5M | 357,361 | 2.3% | 29 |
| DIMENSIONAL ETF TRUST | [DFIC](https://holderbook.com/stocks/DFIC/) | $31.0M | 833,294 | 1.9% | 15 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $28.9M | 194,808 | 1.8% | 31 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $26.6M | 902,154 | 1.6% | 26 |
| DIMENSIONAL ETF TRUST | [DUHP](https://holderbook.com/stocks/DUHP/) | $25.4M | 609,075 | 1.5% | 15 |
| ISHARES TR | [IGSB](https://holderbook.com/stocks/IGSB/) | $25.1M | 478,615 | 1.5% | 31 |
| SCHWAB STRATEGIC TR | [SCHM](https://holderbook.com/stocks/SCHM/) | $24.8M | 672,364 | 1.5% | 31 |
| ISHARES TR | [IVE](https://holderbook.com/stocks/IVE/) | $23.7M | 104,312 | 1.4% | 31 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $21.4M | 274,930 | 1.3% | 31 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $20.7M | 208,958 | 1.3% | 31 |
| DIMENSIONAL ETF TRUST | [DFAS](https://holderbook.com/stocks/DFAS/) | $19.6M | 238,326 | 1.2% | 21 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $18.5M | 84,845 | 1.1% | 31 |
| ISHARES TR | [QUAL](https://holderbook.com/stocks/QUAL/) | $17.7M | 80,645 | 1.1% | 21 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $17.6M | 23,501 | 1.1% | 31 |
| VANGUARD INDEX FDS | [VOE](https://holderbook.com/stocks/VOE/) | $17.6M | 88,896 | 1.1% | 31 |
| ISHARES TR | [IJJ](https://holderbook.com/stocks/IJJ/) | $17.5M | 118,338 | 1.1% | 31 |
| VANGUARD ADMIRAL FDS INC | [VOOV](https://holderbook.com/stocks/VOOV/) | $15.7M | 71,734 | 1.0% | 31 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $15.3M | 122,961 | 0.9% | 16 |
| SPDR SERIES TRUST | [SLYV](https://holderbook.com/stocks/SLYV/) | $14.9M | 136,271 | 0.9% | 31 |
| ISHARES TR | [TIP](https://holderbook.com/stocks/TIP/) | $14.2M | 129,565 | 0.9% | 31 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $14.1M | 390,473 | 0.9% | 31 |
| VANGUARD ADMIRAL FDS INC | [IVOV](https://holderbook.com/stocks/IVOV/) | $13.0M | 114,034 | 0.8% | 31 |
| AMERICAN CENTY ETF TR | [AVDE](https://holderbook.com/stocks/AVDE/) | $12.9M | 144,861 | 0.8% | 15 |
| STATE STR SPDR S&P MIDCAP 40 | [MDY](https://holderbook.com/stocks/MDY/) | $12.8M | 18,176 | 0.8% | 31 |
| ISHARES TR | [IUSV](https://holderbook.com/stocks/IUSV/) | $12.1M | 110,245 | 0.7% | 31 |
| DIMENSIONAL ETF TRUST | [DFAT](https://holderbook.com/stocks/DFAT/) | $10.4M | 148,452 | 0.6% | 21 |
| DIMENSIONAL ETF TRUST | [DFEM](https://holderbook.com/stocks/DFEM/) | $10.3M | 254,366 | 0.6% | 15 |
| ISHARES TR | [STIP](https://holderbook.com/stocks/STIP/) | $9.3M | 91,521 | 0.6% | 13 |
| DIMENSIONAL ETF TRUST | [DFUV](https://holderbook.com/stocks/DFUV/) | $8.2M | 148,278 | 0.5% | 17 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $7.3M | 88,309 | 0.4% | 31 |
| ISHARES TR | [SUB](https://holderbook.com/stocks/SUB/) | $5.9M | 55,231 | 0.4% | 25 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $5.8M | 23,984 | 0.4% | 29 |
| ISHARES TR | [IJS](https://holderbook.com/stocks/IJS/) | $5.8M | 42,637 | 0.4% | 31 |
| ISHARES TR | [IWV](https://holderbook.com/stocks/IWV/) | $5.1M | 11,854 | 0.3% | 31 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $4.6M | 77,894 | 0.3% | 28 |
| ISHARES TR | [ISTB](https://holderbook.com/stocks/ISTB/) | $4.6M | 96,229 | 0.3% | 17 |
| PIMCO ETF TR | [STPZ](https://holderbook.com/stocks/STPZ/) | $4.1M | 76,584 | 0.2% | 16 |
| VANGUARD MALVERN FDS | [VTIP](https://holderbook.com/stocks/VTIP/) | $3.6M | 72,601 | 0.2% | 31 |
| ISHARES TR | [IWB](https://holderbook.com/stocks/IWB/) | $2.8M | 6,880 | 0.2% | 3 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $2.2M | 11,121 | 0.1% | 13 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $2.2M | 30,620 | 0.1% | 11 |
| VANGUARD SCOTTSDALE FDS | [VMBS](https://holderbook.com/stocks/VMBS/) | $1.9M | 39,757 | 0.1% | 9 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $1.8M | 6,200 | 0.1% | 16 |
| SCHWAB STRATEGIC TR | [FNDF](https://holderbook.com/stocks/FNDF/) | $1.7M | 31,486 | 0.1% | 26 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $1.6M | 16,270 | 0.1% | 31 |
| DIMENSIONAL ETF TRUST | [DFIV](https://holderbook.com/stocks/DFIV/) | $1.6M | 29,015 | 0.1% | 20 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $1.3M | 3,537 | 0.1% | 29 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $1.3M | 4,200 | 0.1% | 17 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $1.2M | 3,628 | 0.1% | 13 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $1.2M | 15,159 | 0.1% | 31 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $1.2M | 3,084 | 0.1% | 16 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $972.1K | 4,010 | 0.1% | 31 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $958.6K | 4,051 | 0.1% | 17 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $873.3K | 3,664 | 0.1% | 16 |
| DIMENSIONAL ETF TRUST | [DFSD](https://holderbook.com/stocks/DFSD/) | $871.6K | 18,253 | 0.1% | 3 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $828.9K | 7,979 | 0.1% | 17 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $770.3K | 2,541 | 0.0% | 17 |
| BERKSHIRE HATHAWAY INC DEL | [BRKA](https://holderbook.com/stocks/BRKA/) | $748.9K | 1 | 0.0% | 6 |
| WISDOMTREE TR | [DLN](https://holderbook.com/stocks/DLN/) | $718.2K | 7,456 | 0.0% | 17 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $718.1K | 1,435 | 0.0% | 23 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $714.0K | 1,998 | 0.0% | 14 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $654.8K | 19,349 | 0.0% | 31 |
| SPDR SERIES TRUST | [SPMD](https://holderbook.com/stocks/SPMD/) | $625.9K | 9,264 | 0.0% | 11 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $598.5K | 1,694 | 0.0% | 14 |
| MICRON TECHNOLOGY INC | [MU](https://holderbook.com/stocks/MU/) | $588.7K | 510 | 0.0% | 1 |
| DBX ETF TR | [DBEF](https://holderbook.com/stocks/DBEF/) | $571.9K | 10,469 | 0.0% | 3 |
| AMERICAN CENTY ETF TR | [AVUS](https://holderbook.com/stocks/AVUS/) | $538.4K | 4,204 | 0.0% | 5 |
| AMERICAN CENTY ETF TR | [AVDV](https://holderbook.com/stocks/AVDV/) | $532.8K | 5,170 | 0.0% | 7 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $531.5K | 1,407 | 0.0% | 12 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $517.1K | 918 | 0.0% | 13 |
| VANGUARD INTL EQUITY INDEX F | [VT](https://holderbook.com/stocks/VT/) | $486.2K | 3,098 | 0.0% | 31 |
| DIMENSIONAL ETF TRUST | [DFSV](https://holderbook.com/stocks/DFSV/) | $479.1K | 12,351 | 0.0% | 5 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $461.9K | 1,411 | 0.0% | 15 |
| ISHARES TR | [IWN](https://holderbook.com/stocks/IWN/) | $449.3K | 2,031 | 0.0% | 31 |
| DIMENSIONAL ETF TRUST | [DFCF](https://holderbook.com/stocks/DFCF/) | $446.3K | 10,574 | 0.0% | 3 |
| ISHARES TR | [IWR](https://holderbook.com/stocks/IWR/) | $435.7K | 3,949 | 0.0% | 31 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $413.8K | 14,938 | 0.0% | 7 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $407.8K | 340 | 0.0% | 13 |
| SPDR INDEX SHS FDS | [QEMM](https://holderbook.com/stocks/QEMM/) | $400.8K | 5,015 | 0.0% | 31 |
| AMERICAN CENTY ETF TR | [AVLV](https://holderbook.com/stocks/AVLV/) | $399.1K | 4,376 | 0.0% | 3 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $396.9K | 539 | 0.0% | 7 |
| ISHARES TR | [ILCB](https://holderbook.com/stocks/ILCB/) | $342.7K | 3,306 | 0.0% | 11 |
| VANGUARD SCOTTSDALE FDS | [VCIT](https://holderbook.com/stocks/VCIT/) | $304.6K | 3,686 | 0.0% | 31 |
| SPDR SERIES TRUST | [ONEY](https://holderbook.com/stocks/ONEY/) | $294.0K | 2,295 | 0.0% | 7 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $290.2K | 3,369 | 0.0% | 3 |
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $288.0K | 8,275 | 0.0% | 10 |
| SPDR INDEX SHS FDS | [SPEM](https://holderbook.com/stocks/SPEM/) | $278.1K | 5,371 | 0.0% | 3 |
| AMERICAN CENTY ETF TR | [AVEM](https://holderbook.com/stocks/AVEM/) | $267.0K | 2,767 | 0.0% | 4 |
| ADVANCED MICRO DEVICES INC | [AMD](https://holderbook.com/stocks/AMD/) | $257.3K | 443 | 0.0% | 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 |
|---|---|---|---|---|
| Q2 2026 | +8.1% | +14.8% | -6.7% | 100% |
| Q1 2026 | -0.4% | -4.6% | +4.2% | 100% |
| Q4 2025 | +1.3% | +2.4% | -1.0% | 100% |
| Q3 2025 | +4.8% | +7.8% | -3.0% | 100% |
| Q2 2025 | +4.1% | +10.5% | -6.4% | 100% |
| Q1 2025 | -1.8% | -4.6% | +2.8% | 100% |
| Q4 2024 | -1.4% | +2.1% | -3.5% | 100% |
| Q3 2024 | +5.8% | +5.4% | +0.4% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $1.6B | 112 |
| Q1 2026 | $1.5B | 100 |
| Q4 2025 | $1.5B | 102 |
| Q3 2025 | $1.4B | 96 |
| Q2 2025 | $1.3B | 97 |
| Q1 2025 | $1.2B | 95 |
| Q4 2024 | $1.2B | 92 |
| Q3 2024 | $1.2B | 87 |
| Q2 2024 | $1.1B | 87 |
| Q1 2024 | $1.1B | 86 |
| Q4 2023 | $1.1B | 84 |
| Q3 2023 | $918.2M | 81 |