# CRA Financial Services, LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1765594. Source: https://holderbook.com/funds/1765594-cra-financial-services-llc/

- Reported value: $867.6M
- Positions: 321
- Weight of the ten largest: 36.6%
- 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 |
|---|---|---|---|---|---|
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $58.3M | 201,360 | 6.7% | 31 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $38.7M | 1,220,811 | 4.5% | 31 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $35.3M | 1,042,267 | 4.1% | 31 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $32.6M | 136,860 | 3.8% | 31 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $31.8M | 43,243 | 3.7% | 24 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $26.9M | 134,550 | 3.1% | 30 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $25.1M | 67,876 | 2.9% | 31 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $24.5M | 68,605 | 2.8% | 31 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $23.5M | 31,388 | 2.7% | 31 |
| WISDOMTREE TR | [DGRW](https://holderbook.com/stocks/DGRW/) | $21.2M | 221,273 | 2.4% | 18 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $17.8M | 75,328 | 2.1% | 31 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $16.3M | 21,874 | 1.9% | 31 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $16.1M | 43,100 | 1.9% | 31 |
| INNOVATOR ETFS TRUST | [BALT](https://holderbook.com/stocks/BALT/) | $15.6M | 455,717 | 1.8% | 15 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $14.6M | 48,302 | 1.7% | 31 |
| INNOVATOR ETFS TRUST | [ZALT](https://holderbook.com/stocks/ZALT/) | $14.1M | 416,213 | 1.6% | 11 |
| SPDR SERIES TRUST | [SDY](https://holderbook.com/stocks/SDY/) | $14.0M | 91,795 | 1.6% | 31 |
| VANGUARD WHITEHALL FDS | [VYMI](https://holderbook.com/stocks/VYMI/) | $10.8M | 110,436 | 1.2% | 10 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $10.4M | 29,429 | 1.2% | 31 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $10.3M | 128,063 | 1.2% | 31 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $9.7M | 351,009 | 1.1% | 31 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $9.4M | 25,016 | 1.1% | 31 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $9.2M | 13,368 | 1.1% | 24 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $8.9M | 15,734 | 1.0% | 31 |
| MARVELL TECHNOLOGY INC | [MRVL](https://holderbook.com/stocks/MRVL/) | $8.7M | 29,262 | 1.0% | 7 |
| J P MORGAN EXCHANGE TRADED F | [JPST](https://holderbook.com/stocks/JPST/) | $8.1M | 160,504 | 0.9% | 10 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $6.3M | 29,468 | 0.7% | 31 |
| INNOVATOR ETFS TRUST | [PDEC](https://holderbook.com/stocks/PDEC/) | $6.0M | 130,442 | 0.7% | 19 |
| BLACKROCK ETF TRUST II | [IVVM](https://holderbook.com/stocks/IVVM/) | $5.8M | 155,877 | 0.7% | 12 |
| FIDELITY COVINGTON TRUST | [FBCG](https://holderbook.com/stocks/FBCG/) | $5.7M | 91,023 | 0.7% | 14 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $5.6M | 15,776 | 0.6% | 31 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $5.5M | 16,161 | 0.6% | 31 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $5.3M | 10,577 | 0.6% | 31 |
| AMERICAN CENTY ETF TR | [AVLV](https://holderbook.com/stocks/AVLV/) | $5.2M | 56,655 | 0.6% | 13 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $5.0M | 40,530 | 0.6% | 31 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $4.9M | 4,099 | 0.6% | 31 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $4.9M | 35,555 | 0.6% | 31 |
| CAPITAL GROUP NEW GEOGRAPHY | [CGNG](https://holderbook.com/stocks/CGNG/) | $4.9M | 129,750 | 0.6% | 7 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $4.8M | 165,178 | 0.6% | 31 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $4.7M | 61,395 | 0.5% | 31 |
| INNOVATOR ETFS TRUST | [PNOV](https://holderbook.com/stocks/PNOV/) | $4.4M | 98,264 | 0.5% | 19 |
| INVESCO EXCH TRD SLF IDX FD | [BSCQ](https://holderbook.com/stocks/BSCQ/) | $4.3M | 222,355 | 0.5% | 10 |
| INVESCO EXCH TRD SLF IDX FD | [BSCR](https://holderbook.com/stocks/BSCR/) | $4.3M | 219,463 | 0.5% | 9 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $3.9M | 11,963 | 0.5% | 31 |
| VANGUARD SCOTTSDALE FDS | [VCIT](https://holderbook.com/stocks/VCIT/) | $3.9M | 47,321 | 0.5% | 31 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $3.8M | 44,773 | 0.4% | 30 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $3.8M | 3,528 | 0.4% | 31 |
| INNOVATOR ETFS TRUST | [PJAN](https://holderbook.com/stocks/PJAN/) | $3.7M | 75,612 | 0.4% | 18 |
| T ROWE PRICE EXCHANGE-TRADED | [TBUX](https://holderbook.com/stocks/TBUX/) | $3.6M | 72,719 | 0.4% | 9 |
| VANGUARD INSTL INDEX FD | [VBIL](https://holderbook.com/stocks/VBIL/) | $3.4M | 45,155 | 0.4% | 5 |
| INVESCO EXCH TRD SLF IDX FD | [BSCS](https://holderbook.com/stocks/BSCS/) | $3.4M | 166,956 | 0.4% | 9 |
| MASTERCARD INCORPORATED | [MA](https://holderbook.com/stocks/MA/) | $3.3M | 6,493 | 0.4% | 31 |
| INNOVATOR ETFS TRUST | [POCT](https://holderbook.com/stocks/POCT/) | $3.3M | 71,835 | 0.4% | 18 |
| INNOVATOR ETFS TRUST | [PJUL](https://holderbook.com/stocks/PJUL/) | $3.3M | 67,793 | 0.4% | 13 |
| ISHARES TR | [HDV](https://holderbook.com/stocks/HDV/) | $3.3M | 120,651 | 0.4% | 31 |
| INNOVATOR ETFS TRUST | [PAPR](https://holderbook.com/stocks/PAPR/) | $3.2M | 76,979 | 0.4% | 17 |
| T ROWE PRICE EXCHANGE-TRADED | [TCAF](https://holderbook.com/stocks/TCAF/) | $3.1M | 76,353 | 0.4% | 11 |
| FIDELITY COVINGTON TRUST | [FENI](https://holderbook.com/stocks/FENI/) | $3.1M | 77,697 | 0.4% | 3 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $3.1M | 18,694 | 0.4% | 31 |
| WISDOMTREE TR | [DLN](https://holderbook.com/stocks/DLN/) | $3.0M | 31,141 | 0.3% | 17 |
| FIDELITY COMWLTH TR | [ONEQ](https://holderbook.com/stocks/ONEQ/) | $2.9M | 28,399 | 0.3% | 31 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $2.9M | 19,623 | 0.3% | 31 |
| PALO ALTO NETWORKS INC | [PANW](https://holderbook.com/stocks/PANW/) | $2.9M | 8,491 | 0.3% | 14 |
| INNOVATOR ETFS TRUST | [PMAR](https://holderbook.com/stocks/PMAR/) | $2.9M | 60,222 | 0.3% | 10 |
| VANGUARD WORLD FD | [VGT](https://holderbook.com/stocks/VGT/) | $2.8M | 23,500 | 0.3% | 31 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $2.8M | 6,612 | 0.3% | 24 |
| INNOVATOR ETFS TRUST | [PAUG](https://holderbook.com/stocks/PAUG/) | $2.7M | 59,910 | 0.3% | 16 |
| ORACLE CORP | [ORCL](https://holderbook.com/stocks/ORCL/) | $2.6M | 17,871 | 0.3% | 15 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $2.6M | 7,090 | 0.3% | 24 |
| BANK OF AMER CORP | [BAC](https://holderbook.com/stocks/BAC/) | $2.6M | 44,870 | 0.3% | 31 |
| NEXTERA ENERGY INC | [NEE](https://holderbook.com/stocks/NEE/) | $2.5M | 28,334 | 0.3% | 31 |
| CROWDSTRIKE HLDGS INC | [CRWD](https://holderbook.com/stocks/CRWD/) | $2.4M | 3,176 | 0.3% | 11 |
| SCHWAB STRATEGIC TR | [SCHM](https://holderbook.com/stocks/SCHM/) | $2.4M | 64,454 | 0.3% | 31 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $2.3M | 18,772 | 0.3% | 19 |
| VANGUARD ADMIRAL FDS INC | [VIOO](https://holderbook.com/stocks/VIOO/) | $2.3M | 16,996 | 0.3% | 31 |
| FIDELITY MERRIMACK STR TR | [FBND](https://holderbook.com/stocks/FBND/) | $2.3M | 51,319 | 0.3% | 10 |
| INVESCO EXCH TRD SLF IDX FD | [BSCT](https://holderbook.com/stocks/BSCT/) | $2.3M | 123,346 | 0.3% | 9 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $2.3M | 9,077 | 0.3% | 31 |
| JANUS DETROIT STR TR | [JAAA](https://holderbook.com/stocks/JAAA/) | $2.2M | 42,729 | 0.2% | 10 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $2.1M | 13,550 | 0.2% | 31 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $2.1M | 8,430 | 0.2% | 31 |
| INVESCO EXCH TRADED FD TR II | [QQQM](https://holderbook.com/stocks/QQQM/) | $2.1M | 6,878 | 0.2% | 15 |
| VANGUARD WELLESLEY INCOME FD | [VUSV](https://holderbook.com/stocks/VUSV/) | $2.1M | 30,452 | 0.2% | 3 |
| NETFLIX INC | [NFLX](https://holderbook.com/stocks/NFLX/) | $2.0M | 28,414 | 0.2% | 31 |
| ISHARES TR | [IVE](https://holderbook.com/stocks/IVE/) | $2.0M | 8,930 | 0.2% | 15 |
| VANGUARD MUN BD FDS | [VCRM](https://holderbook.com/stocks/VCRM/) | $1.9M | 24,885 | 0.2% | 7 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $1.9M | 52,259 | 0.2% | 26 |
| ISHARES TR | [DVY](https://holderbook.com/stocks/DVY/) | $1.9M | 11,913 | 0.2% | 22 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $1.8M | 16,301 | 0.2% | 31 |
| MICRON TECHNOLOGY INC | [MU](https://holderbook.com/stocks/MU/) | $1.7M | 1,513 | 0.2% | 5 |
| FIDELITY COVINGTON TRUST | [FMDE](https://holderbook.com/stocks/FMDE/) | $1.7M | 42,248 | 0.2% | 2 |
| FIDELITY WISE ORIGIN BITCOIN | [FBTC](https://holderbook.com/stocks/FBTC/) | $1.7M | 33,327 | 0.2% | 10 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $1.7M | 19,696 | 0.2% | 31 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $1.6M | 1,671 | 0.2% | 23 |
| STATE STR SPDR DOW JONES IND | [DIA](https://holderbook.com/stocks/DIA/) | $1.5M | 2,938 | 0.2% | 31 |
| DISNEY WALT CO | [DIS](https://holderbook.com/stocks/DIS/) | $1.5M | 15,869 | 0.2% | 31 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $1.5M | 6,939 | 0.2% | 31 |
| BERKSHIRE HATHAWAY INC DEL | [BRKA](https://holderbook.com/stocks/BRKA/) | $1.5M | 2 | 0.2% | 31 |
| J P MORGAN EXCHANGE TRADED F | [JCPB](https://holderbook.com/stocks/JCPB/) | $1.5M | 31,440 | 0.2% | 10 |
| SELECT SECTOR SPDR TR | [XLE](https://holderbook.com/stocks/XLE/) | $1.5M | 27,697 | 0.2% | 18 |

## 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 | +11.6% | +14.8% | -3.2% | 100% |
| Q1 2026 | -3.1% | -4.6% | +1.6% | 100% |
| Q4 2025 | +2.2% | +2.4% | -0.2% | 100% |
| Q3 2025 | +7.7% | +7.8% | -0.2% | 100% |
| Q2 2025 | +7.9% | +10.5% | -2.6% | 100% |
| Q1 2025 | -4.6% | -4.6% | -0.1% | 100% |
| Q4 2024 | +2.8% | +2.1% | +0.7% | 100% |
| Q3 2024 | +5.2% | +5.4% | -0.2% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $867.6M | 321 |
| Q1 2026 | $770.1M | 296 |
| Q4 2025 | $764.2M | 292 |
| Q3 2025 | $731.0M | 294 |
| Q2 2025 | $654.1M | 278 |
| Q1 2025 | $584.4M | 271 |
| Q4 2024 | $582.8M | 267 |
| Q3 2024 | $545.0M | 267 |
| Q2 2024 | $495.6M | 251 |
| Q1 2024 | $460.4M | 240 |
| Q4 2023 | $408.7M | 217 |
| Q3 2023 | $363.3M | 203 |