# Oldfather Financial Services, LLC

> Institutional holdings reported to the SEC as of Q4 2025 on Form 13F. CIK 1775530. Source: https://holderbook.com/funds/1775530-oldfather-financial-services-llc/

- Reported value: $335.8M
- Positions: 98
- Weight of the ten largest: 64.2%
- Filed: 2026-01-16

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/) | $73.6M | 117,397 | 21.9% | 25 |
| STATE STR SPDR S&P MIDCAP 40 | [MDY](https://holderbook.com/stocks/MDY/) | $33.3M | 55,249 | 9.9% | 25 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $28.6M | 116,244 | 8.5% | 25 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $17.6M | 25,775 | 5.2% | 25 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $12.2M | 126,608 | 3.6% | 25 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $11.7M | 117,091 | 3.5% | 25 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $11.6M | 24,441 | 3.4% | 25 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $9.3M | 43,987 | 2.8% | 25 |
| BERKSHIRE HATHAWAY INC DEL | [BRKA](https://holderbook.com/stocks/BRKA/) | $9.1M | 12 | 2.7% | 4 |
| ISHARES TR | [IWO](https://holderbook.com/stocks/IWO/) | $8.8M | 27,202 | 2.6% | 25 |
| ISHARES TR | [IJJ](https://holderbook.com/stocks/IJJ/) | $8.3M | 63,185 | 2.5% | 25 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $8.3M | 32,013 | 2.5% | 25 |
| ISHARES TR | [IJK](https://holderbook.com/stocks/IJK/) | $7.6M | 78,565 | 2.3% | 25 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $7.1M | 14,079 | 2.1% | 25 |
| ISHARES TR | [IWN](https://holderbook.com/stocks/IWN/) | $6.8M | 37,564 | 2.0% | 25 |
| WELLS FARGO & CO | [WFC](https://holderbook.com/stocks/WFC/) | $5.8M | 62,200 | 1.7% | 25 |
| ISHARES TR | [EEM](https://holderbook.com/stocks/EEM/) | $5.3M | 97,037 | 1.6% | 25 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $4.4M | 6,353 | 1.3% | 25 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $3.7M | 13,696 | 1.1% | 25 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $3.1M | 41,962 | 0.9% | 14 |
| AMERICAN EXPRESS CO | [AXP](https://holderbook.com/stocks/AXP/) | $2.8M | 7,688 | 0.8% | 25 |
| BUCKLE INC | [BKE](https://holderbook.com/stocks/BKE/) | $2.3M | 43,986 | 0.7% | 25 |
| SCHWAB STRATEGIC TR | [SCHZ](https://holderbook.com/stocks/SCHZ/) | $2.3M | 97,111 | 0.7% | 25 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $2.2M | 32,876 | 0.6% | 25 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $2.1M | 4,428 | 0.6% | 25 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $2.0M | 6,168 | 0.6% | 25 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $1.9M | 72,170 | 0.6% | 25 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $1.9M | 5,741 | 0.6% | 25 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $1.7M | 60,371 | 0.5% | 25 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $1.7M | 8,046 | 0.5% | 25 |
| SCHWAB STRATEGIC TR | [SCHM](https://holderbook.com/stocks/SCHM/) | $1.6M | 54,712 | 0.5% | 25 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $1.5M | 6,336 | 0.4% | 11 |
| ISHARES TR | [IBDV](https://holderbook.com/stocks/IBDV/) | $1.5M | 65,985 | 0.4% | 2 |
| EATON CORP PLC | [ETN](https://holderbook.com/stocks/ETN/) | $1.4M | 4,311 | 0.4% | 25 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $1.3M | 4,315 | 0.4% | 24 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $1.2M | 3,925 | 0.3% | 13 |
| ISHARES TR | [IWB](https://holderbook.com/stocks/IWB/) | $1.1M | 2,959 | 0.3% | 24 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $1.1M | 7,532 | 0.3% | 25 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $1.0M | 3,249 | 0.3% | 8 |
| UNION PAC CORP | [UNP](https://holderbook.com/stocks/UNP/) | $913.9K | 3,951 | 0.3% | 25 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $869.8K | 1,416 | 0.3% | 14 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $864.2K | 2,754 | 0.3% | 3 |
| ISHARES TR | [ACWX](https://holderbook.com/stocks/ACWX/) | $861.4K | 12,832 | 0.3% | 25 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $807.0K | 4,327 | 0.2% | 2 |
| US BANCORP | [USB](https://holderbook.com/stocks/USB/) | $800.4K | 15,000 | 0.2% | 12 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $762.3K | 2,494 | 0.2% | 25 |
| ISHARES TR | [IBDR](https://holderbook.com/stocks/IBDR/) | $753.7K | 31,107 | 0.2% | 5 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $741.9K | 3,503 | 0.2% | 24 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $718.6K | 10,690 | 0.2% | 1 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $704.2K | 1,777 | 0.2% | 2 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $695.4K | 28,926 | 0.2% | 20 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $642.5K | 2,041 | 0.2% | 3 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $620.4K | 6,935 | 0.2% | 1 |
| BANK OF AMER CORP | [BAC](https://holderbook.com/stocks/BAC/) | $617.7K | 11,231 | 0.2% | 12 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $585.2K | 1,937 | 0.2% | 11 |
| DEERE & CO | [DE](https://holderbook.com/stocks/DE/) | $555.1K | 1,192 | 0.2% | 22 |
| ISHARES TR | [OEF](https://holderbook.com/stocks/OEF/) | $552.6K | 1,611 | 0.2% | 25 |
| MASTERCARD INCORPORATED | [MA](https://holderbook.com/stocks/MA/) | $541.2K | 948 | 0.2% | 25 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $534.3K | 4,440 | 0.2% | 12 |
| ISHARES TR | [HYG](https://holderbook.com/stocks/HYG/) | $521.8K | 6,471 | 0.2% | 9 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $514.0K | 1,485 | 0.2% | 1 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $506.9K | 768 | 0.2% | 3 |
| SCHWAB STRATEGIC TR | [SCHE](https://holderbook.com/stocks/SCHE/) | $504.4K | 15,400 | 0.2% | 20 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $478.8K | 17,454 | 0.1% | 8 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $446.5K | 1,273 | 0.1% | 8 |
| VERIZON COMMUNICATIONS INC | [VZ](https://holderbook.com/stocks/VZ/) | $437.4K | 10,740 | 0.1% | 12 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $424.1K | 1,856 | 0.1% | 8 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $409.6K | 7,619 | 0.1% | 15 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $401.4K | 12,305 | 0.1% | 12 |
| ORACLE CORP | [ORCL](https://holderbook.com/stocks/ORCL/) | $387.7K | 1,989 | 0.1% | 7 |
| ISHARES TR | [IYW](https://holderbook.com/stocks/IYW/) | $381.2K | 1,909 | 0.1% | 4 |
| PNC FINL SVCS GROUP INC | [PNC](https://holderbook.com/stocks/PNC/) | $375.7K | 1,800 | 0.1% | 12 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $369.5K | 2,998 | 0.1% | 3 |
| AMERIPRISE FINL INC | [AMP](https://holderbook.com/stocks/AMP/) | $364.8K | 744 | 0.1% | 8 |
| SPDR INDEX SHS FDS | [SPEM](https://holderbook.com/stocks/SPEM/) | $362.8K | 7,751 | 0.1% | 3 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $350.4K | 5,609 | 0.1% | 1 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $342.8K | 319 | 0.1% | 1 |
| TJX COS INC NEW | [TJX](https://holderbook.com/stocks/TJX/) | $340.1K | 2,214 | 0.1% | 1 |
| LOWES COS INC | [LOW](https://holderbook.com/stocks/LOW/) | $339.9K | 1,409 | 0.1% | 12 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $338.2K | 752 | 0.1% | 3 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $296.4K | 2,660 | 0.1% | 1 |
| PEPSICO INC | [PEP](https://holderbook.com/stocks/PEP/) | $295.7K | 2,060 | 0.1% | 25 |
| ABBOTT LABORATORIES | [ABT](https://holderbook.com/stocks/ABT/) | $284.6K | 2,272 | 0.1% | 6 |
| SPDR SERIES TRUST | [SDY](https://holderbook.com/stocks/SDY/) | $279.3K | 2,007 | 0.1% | 8 |
| VANGUARD WORLD FD | [VFH](https://holderbook.com/stocks/VFH/) | $276.1K | 2,068 | 0.1% | 4 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $271.7K | 2,261 | 0.1% | 1 |
| LAM RESEARCH CORP | [LRCX](https://holderbook.com/stocks/LRCX/) | $264.8K | 1,547 | 0.1% | 2 |
| VANGUARD INDEX FDS | [VOT](https://holderbook.com/stocks/VOT/) | $257.1K | 921 | 0.1% | 3 |
| SSGA ACTIVE TR | [MYCG](https://holderbook.com/stocks/MYCG/) | $250.4K | 10,000 | 0.1% | 1 |
| TAIWAN SEMICONDUCTOR MANUFAC | [TSM](https://holderbook.com/stocks/TSM/) | $248.9K | 819 | 0.1% | 1 |
| ISHARES TR | [ACWI](https://holderbook.com/stocks/ACWI/) | $237.4K | 1,678 | 0.1% | 3 |
| ISHARES TR | [DVY](https://holderbook.com/stocks/DVY/) | $230.2K | 1,631 | 0.1% | 2 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $227.5K | 3,255 | 0.1% | 1 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $222.1K | 1,550 | 0.1% | 1 |
| SPDR SERIES TRUST | [SPYM](https://holderbook.com/stocks/SPYM/) | $221.6K | 2,763 | 0.1% | 1 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $218.6K | 253 | 0.1% | 6 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $216.0K | 983 | 0.1% | 24 |
| CUMMINS INC | [CMI](https://holderbook.com/stocks/CMI/) | $215.4K | 422 | 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 |
|---|---|---|---|---|
| Q4 2025 | +1.9% | +2.4% | -0.5% | 99% |
| Q3 2025 | +7.4% | +7.8% | -0.4% | 99% |
| Q2 2025 | +7.3% | +10.5% | -3.1% | 99% |
| Q1 2025 | -4.3% | -4.6% | +0.2% | 99% |
| Q4 2024 | +0.9% | +2.1% | -1.2% | 100% |
| Q3 2024 | +6.7% | +5.4% | +1.3% | 100% |
| Q2 2024 | +0.1% | +4.0% | -3.9% | 100% |
| Q1 2024 | +7.9% | +10.0% | -2.1% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q4 2025 | $335.8M | 98 |
| Q3 2025 | $321.1M | 92 |
| Q2 2025 | $290.9M | 84 |
| Q1 2025 | $263.4M | 78 |
| Q4 2024 | $262.5M | 78 |
| Q3 2024 | $259.9M | 76 |
| Q2 2024 | $243.7M | 72 |
| Q1 2024 | $243.0M | 71 |
| Q4 2023 | $224.4M | 63 |
| Q3 2023 | $197.1M | 63 |
| Q2 2023 | $204.6M | 63 |
| Q1 2023 | $193.4M | 62 |