# Sage Financial Management Group, Inc.

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1762086. Source: https://holderbook.com/funds/1762086-sage-financial-management-group-inc/

- Reported value: $364.0M
- Positions: 61
- Weight of the ten largest: 73.2%
- Filed: 2026-07-24

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 |
|---|---|---|---|---|---|
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $55.2M | 73,702 | 15.2% | 8 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $54.6M | 711,661 | 15.0% | 8 |
| VANGUARD INTL EQUITY INDEX F | [VEU](https://holderbook.com/stocks/VEU/) | $37.3M | 445,596 | 10.3% | 8 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $32.6M | 418,585 | 9.0% | 8 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $28.0M | 950,604 | 7.7% | 8 |
| SPDR SERIES TRUST | [SPYG](https://holderbook.com/stocks/SPYG/) | $13.8M | 116,088 | 3.8% | 13 |
| VANGUARD SCOTTSDALE FDS | [VCSH](https://holderbook.com/stocks/VCSH/) | $11.6M | 146,637 | 3.2% | 10 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $11.5M | 148,731 | 3.2% | 8 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $11.0M | 106,104 | 3.0% | 8 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $10.8M | 388,571 | 3.0% | 8 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $10.4M | 306,195 | 2.8% | 8 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $10.3M | 65,086 | 2.8% | 8 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $9.6M | 303,678 | 2.6% | 8 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $9.2M | 13,461 | 2.5% | 8 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $7.3M | 21,357 | 2.0% | 8 |
| VANGUARD INTL EQUITY INDEX F | [VSS](https://holderbook.com/stocks/VSS/) | $6.6M | 42,746 | 1.8% | 8 |
| SCHWAB STRATEGIC TR | [SCHM](https://holderbook.com/stocks/SCHM/) | $5.0M | 134,951 | 1.4% | 8 |
| SPDR SERIES TRUST | [SPSM](https://holderbook.com/stocks/SPSM/) | $4.5M | 77,768 | 1.2% | 13 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $2.9M | 79,042 | 0.8% | 8 |
| STATE STR SPDR S&P MIDCAP 40 | [MDY](https://holderbook.com/stocks/MDY/) | $2.8M | 3,981 | 0.8% | 23 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $2.7M | 18,034 | 0.7% | 8 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $2.0M | 23,388 | 0.6% | 8 |
| VANGUARD CHARLOTTE FDS | [BNDX](https://holderbook.com/stocks/BNDX/) | $2.0M | 41,147 | 0.5% | 15 |
| SHERWIN WILLIAMS CO | [SHW](https://holderbook.com/stocks/SHW/) | $1.6M | 4,676 | 0.4% | 8 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $1.4M | 4,870 | 0.4% | 12 |
| SCHWAB STRATEGIC TR | [SCHZ](https://holderbook.com/stocks/SCHZ/) | $1.3M | 57,189 | 0.4% | 8 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $1.3M | 9,474 | 0.4% | 8 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $1.2M | 11,571 | 0.3% | 8 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $1.0M | 1,404 | 0.3% | 23 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $1.0M | 2,962 | 0.3% | 4 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $879.8K | 2,462 | 0.2% | 1 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $864.3K | 2,317 | 0.2% | 8 |
| ISHARES TR | [IUSG](https://holderbook.com/stocks/IUSG/) | $828.3K | 4,404 | 0.2% | 8 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $819.6K | 3,227 | 0.2% | 8 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $719.6K | 3,302 | 0.2% | 8 |
| ISHARES TR | [EEM](https://holderbook.com/stocks/EEM/) | $643.4K | 9,405 | 0.2% | 8 |
| UNION PAC CORP | [UNP](https://holderbook.com/stocks/UNP/) | $556.0K | 2,044 | 0.2% | 8 |
| ISHARES TR | [USXF](https://holderbook.com/stocks/USXF/) | $552.5K | 7,956 | 0.2% | 7 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $526.0K | 1,607 | 0.1% | 11 |
| ISHARES TR | [SUB](https://holderbook.com/stocks/SUB/) | $504.5K | 4,738 | 0.1% | 8 |
| ISHARES TR | [DSI](https://holderbook.com/stocks/DSI/) | $458.2K | 3,218 | 0.1% | 8 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $455.4K | 5,652 | 0.1% | 5 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $430.4K | 1,530 | 0.1% | 8 |
| CHUBB LIMITED | [CB](https://holderbook.com/stocks/CB/) | $420.8K | 1,235 | 0.1% | 10 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $379.0K | 1,590 | 0.1% | 10 |
| ISHARES TR | [IWR](https://holderbook.com/stocks/IWR/) | $363.3K | 3,293 | 0.1% | 8 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $350.5K | 1,393 | 0.1% | 10 |
| VANGUARD SCOTTSDALE FDS | [VGSH](https://holderbook.com/stocks/VGSH/) | $342.2K | 5,879 | 0.1% | 15 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $341.6K | 1,406 | 0.1% | 8 |
| SCHWAB STRATEGIC TR | [FNDB](https://holderbook.com/stocks/FNDB/) | $323.0K | 10,605 | 0.1% | 8 |
| ISHARES TR | [IJT](https://holderbook.com/stocks/IJT/) | $305.2K | 1,709 | 0.1% | 8 |
| ISHARES TR | [DMXF](https://holderbook.com/stocks/DMXF/) | $296.8K | 3,508 | 0.1% | 6 |
| ISHARES TR | [ESGU](https://holderbook.com/stocks/ESGU/) | $261.1K | 1,595 | 0.1% | 4 |
| ISHARES TR | [IVE](https://holderbook.com/stocks/IVE/) | $243.2K | 1,071 | 0.1% | 8 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $239.9K | 656 | 0.1% | 1 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $235.0K | 2,891 | 0.1% | 6 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $216.2K | 587 | 0.1% | 3 |
| MASTERCARD INCORPORATED | [MA](https://holderbook.com/stocks/MA/) | $207.0K | 403 | 0.1% | 7 |
| SPDR SERIES TRUST | [SPYM](https://holderbook.com/stocks/SPYM/) | $206.5K | 2,350 | 0.1% | 1 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $203.1K | 2,851 | 0.1% | 1 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $201.7K | 832 | 0.1% | 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 | +9.1% | +14.8% | -5.7% | 100% |
| Q1 2026 | -1.5% | -4.6% | +3.1% | 100% |
| Q4 2025 | +1.5% | +2.4% | -0.9% | 100% |
| Q3 2025 | +5.2% | +7.8% | -2.6% | 100% |
| Q2 2025 | +7.0% | +10.5% | -3.4% | 100% |
| Q1 2025 | -1.1% | -4.6% | +3.5% | 100% |
| Q4 2024 | -1.7% | +2.1% | -3.9% | 100% |
| Q3 2024 | +4.3% | +5.4% | -1.1% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $364.0M | 61 |
| Q1 2026 | $325.4M | 57 |
| Q4 2025 | $327.4M | 58 |
| Q3 2025 | $313.2M | 56 |
| Q2 2025 | $289.1M | 55 |
| Q1 2025 | $275.5M | 56 |
| Q4 2024 | $270.0M | 54 |
| Q3 2024 | $257.9M | 53 |
| Q2 2024 | $32.9M | 14 |
| Q1 2024 | $211.2M | 53 |
| Q4 2023 | $186.3M | 45 |
| Q3 2023 | $166.3M | 42 |