# Koss-Olinger Consulting, LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1861163. Source: https://holderbook.com/funds/1861163-koss-olinger-consulting-llc/

- Reported value: $1.3B
- Positions: 172
- Weight of the ten largest: 83.7%
- Filed: 2026-08-10

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 |
|---|---|---|---|---|---|
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $377.0M | 12,808,366 | 29.0% | 9 |
| ISHARES TR | [ACWX](https://holderbook.com/stocks/ACWX/) | $168.0M | 2,207,262 | 12.9% | 2 |
| PIMCO ETF TR | [BOND](https://holderbook.com/stocks/BOND/) | $124.2M | 1,347,216 | 9.6% | 9 |
| SPDR SERIES TRUST | [SPMD](https://holderbook.com/stocks/SPMD/) | $106.3M | 1,574,014 | 8.2% | 9 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $89.1M | 899,732 | 6.9% | 9 |
| J P MORGAN EXCHANGE TRADED F | [JPSE](https://holderbook.com/stocks/JPSE/) | $64.7M | 1,075,753 | 5.0% | 9 |
| ISHARES TR | [EEM](https://holderbook.com/stocks/EEM/) | $50.8M | 743,148 | 3.9% | 2 |
| ISHARES TR | [USHY](https://holderbook.com/stocks/USHY/) | $43.8M | 1,183,714 | 3.4% | 9 |
| INVESCO EXCH TRADED FD TR II | [BKLN](https://holderbook.com/stocks/BKLN/) | $33.4M | 1,639,480 | 2.6% | 2 |
| SPDR SERIES TRUST | [EFIV](https://holderbook.com/stocks/EFIV/) | $29.7M | 407,529 | 2.3% | 9 |
| VANGUARD BD INDEX FDS | [BLV](https://holderbook.com/stocks/BLV/) | $25.9M | 375,234 | 2.0% | 9 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $8.1M | 40,276 | 0.6% | 22 |
| ISHARES TR | [IWB](https://holderbook.com/stocks/IWB/) | $8.0M | 19,581 | 0.6% | 9 |
| ISHARES TR | [IVE](https://holderbook.com/stocks/IVE/) | $7.4M | 32,425 | 0.6% | 9 |
| ISHARES TR | [XJH](https://holderbook.com/stocks/XJH/) | $7.3M | 140,062 | 0.6% | 9 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $7.1M | 9,525 | 0.5% | 9 |
| ISHARES TR | [GVI](https://holderbook.com/stocks/GVI/) | $6.9M | 65,021 | 0.5% | 9 |
| NUSHARES ETF TR | [NUBD](https://holderbook.com/stocks/NUBD/) | $6.7M | 302,281 | 0.5% | 9 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $6.0M | 101,129 | 0.5% | 9 |
| VANGUARD WORLD FD | [VSGX](https://holderbook.com/stocks/VSGX/) | $4.8M | 58,316 | 0.4% | 9 |
| ISHARES TR | [ISTB](https://holderbook.com/stocks/ISTB/) | $4.2M | 87,575 | 0.3% | 9 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $3.9M | 50,190 | 0.3% | 6 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $3.9M | 5,165 | 0.3% | 6 |
| ISHARES TR | [STIP](https://holderbook.com/stocks/STIP/) | $3.4M | 33,399 | 0.3% | 5 |
| ISHARES INC | [ESGE](https://holderbook.com/stocks/ESGE/) | $3.4M | 61,944 | 0.3% | 9 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $3.4M | 17,688 | 0.3% | 9 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $3.2M | 11,054 | 0.2% | 22 |
| SPDR SERIES TRUST | [SPYV](https://holderbook.com/stocks/SPYV/) | $3.1M | 51,812 | 0.2% | 9 |
| VANGUARD MALVERN FDS | [VTIP](https://holderbook.com/stocks/VTIP/) | $2.8M | 56,031 | 0.2% | 2 |
| GE AEROSPACE | [GE](https://holderbook.com/stocks/GE/) | $2.7M | 7,238 | 0.2% | 6 |
| ISHARES TR | [ICF](https://holderbook.com/stocks/ICF/) | $2.6M | 38,831 | 0.2% | 9 |
| SCHWAB STRATEGIC TR | [SCHH](https://holderbook.com/stocks/SCHH/) | $2.5M | 106,854 | 0.2% | 9 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $2.4M | 4,831 | 0.2% | 22 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $2.2M | 6,205 | 0.2% | 9 |
| MANAGER DIRECTED PORTFOLIOS | [VGSR](https://holderbook.com/stocks/VGSR/) | $2.2M | 191,759 | 0.2% | 9 |
| GE VERNOVA INC | [GEV](https://holderbook.com/stocks/GEV/) | $2.1M | 1,798 | 0.2% | 6 |
| GLOBAL X FDS | [CATH](https://holderbook.com/stocks/CATH/) | $2.0M | 22,041 | 0.2% | 9 |
| INVESCO EXCH TRADED FD TR II | [CGW](https://holderbook.com/stocks/CGW/) | $1.9M | 28,393 | 0.1% | 9 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $1.7M | 7,084 | 0.1% | 22 |
| SPDR SERIES TRUST | [SPTM](https://holderbook.com/stocks/SPTM/) | $1.6M | 17,860 | 0.1% | 2 |
| SPDR SERIES TRUST | [MDYG](https://holderbook.com/stocks/MDYG/) | $1.6M | 14,211 | 0.1% | 9 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $1.4M | 10,274 | 0.1% | 9 |
| SPDR SERIES TRUST | [SPSB](https://holderbook.com/stocks/SPSB/) | $1.4M | 46,753 | 0.1% | 2 |
| L3HARRIS TECHNOLOGIES INC | [LHX](https://holderbook.com/stocks/LHX/) | $1.3M | 4,605 | 0.1% | 6 |
| ISHARES TR | [IWR](https://holderbook.com/stocks/IWR/) | $1.3M | 11,950 | 0.1% | 9 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $1.3M | 1,713 | 0.1% | 6 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $1.2M | 3,447 | 0.1% | 6 |
| SPDR SERIES TRUST | [MDYV](https://holderbook.com/stocks/MDYV/) | $1.2M | 12,812 | 0.1% | 9 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $1.2M | 5,593 | 0.1% | 9 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $1.1M | 16,052 | 0.1% | 2 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $1.1M | 2,920 | 0.1% | 22 |
| ISHARES TR | [IXN](https://holderbook.com/stocks/IXN/) | $1.1M | 7,462 | 0.1% | 9 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $1.1M | 1,881 | 0.1% | 6 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $1.0M | 36,418 | 0.1% | 9 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $996.2K | 2,692 | 0.1% | 6 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $987.0K | 10,220 | 0.1% | 8 |
| ALTRIA GROUP INC | [MO](https://holderbook.com/stocks/MO/) | $985.3K | 13,695 | 0.1% | 6 |
| PAYPAL HLDGS INC | [PYPL](https://holderbook.com/stocks/PYPL/) | $976.8K | 22,621 | 0.1% | 9 |
| INVESCO EXCH TRD SLF IDX FD | [BSCQ](https://holderbook.com/stocks/BSCQ/) | $958.7K | 49,101 | 0.1% | 9 |
| NORTHERN LTS FD TR IV | [ISMD](https://holderbook.com/stocks/ISMD/) | $949.3K | 18,988 | 0.1% | 9 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $926.1K | 870 | 0.1% | 6 |
| VANGUARD SCOTTSDALE FDS | [VGIT](https://holderbook.com/stocks/VGIT/) | $924.8K | 15,680 | 0.1% | 2 |
| INVESCO EXCH TRD SLF IDX FD | [BSCR](https://holderbook.com/stocks/BSCR/) | $916.3K | 46,715 | 0.1% | 9 |
| DAVITA INC | [DVA](https://holderbook.com/stocks/DVA/) | $900.8K | 4,049 | 0.1% | 6 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $890.2K | 2,119 | 0.1% | 9 |
| ISHARES TR | [EFG](https://holderbook.com/stocks/EFG/) | $886.3K | 7,123 | 0.1% | 9 |
| ISHARES TR | [EFV](https://holderbook.com/stocks/EFV/) | $880.4K | 11,501 | 0.1% | 9 |
| INVESCO EXCH TRD SLF IDX FD | [BSCS](https://holderbook.com/stocks/BSCS/) | $818.1K | 40,173 | 0.1% | 9 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $816.5K | 5,568 | 0.1% | 6 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $774.8K | 10,048 | 0.1% | 6 |
| TARGET CORP | [TGT](https://holderbook.com/stocks/TGT/) | $745.3K | 5,706 | 0.1% | 2 |
| ISHARES TR | [IBTG](https://holderbook.com/stocks/IBTG/) | $684.3K | 29,894 | 0.1% | 9 |
| DBX ETF TR | [HYLB](https://holderbook.com/stocks/HYLB/) | $682.9K | 18,698 | 0.1% | 2 |
| SPDR SERIES TRUST | [SPYG](https://holderbook.com/stocks/SPYG/) | $667.4K | 5,609 | 0.1% | 6 |
| ISHARES TR | [IBTH](https://holderbook.com/stocks/IBTH/) | $644.3K | 28,802 | 0.0% | 9 |
| ISHARES TR | [IBTI](https://holderbook.com/stocks/IBTI/) | $642.1K | 29,001 | 0.0% | 7 |
| SPDR SERIES TRUST | [SLYG](https://holderbook.com/stocks/SLYG/) | $628.7K | 5,278 | 0.0% | 9 |
| COLUMBIA ETF TR II | [XCEM](https://holderbook.com/stocks/XCEM/) | $604.9K | 11,440 | 0.0% | 9 |
| VERIZON COMMUNICATIONS INC | [VZ](https://holderbook.com/stocks/VZ/) | $598.0K | 14,125 | 0.0% | 9 |
| INVESCO EXCH TRADED FD TR II | [QVMT](https://holderbook.com/stocks/QVMT/) | $582.3K | 8,331 | 0.0% | 9 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $579.7K | 1,535 | 0.0% | 9 |
| ISHARES TR | [USIG](https://holderbook.com/stocks/USIG/) | $572.2K | 11,156 | 0.0% | 2 |
| NORTHERN LTS FD TR IV | [WWJD](https://holderbook.com/stocks/WWJD/) | $550.8K | 14,446 | 0.0% | 9 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $547.4K | 797 | 0.0% | 6 |
| JABIL INC | [JBL](https://holderbook.com/stocks/JBL/) | $546.0K | 1,416 | 0.0% | 6 |
| VANGUARD INTL EQUITY INDEX F | [VPL](https://holderbook.com/stocks/VPL/) | $544.0K | 4,702 | 0.0% | 5 |
| SPROUTS FMRS MKT INC | [SFM](https://holderbook.com/stocks/SFM/) | $524.4K | 6,200 | 0.0% | 2 |
| INVESCO EXCH TRD SLF IDX FD | [BSJQ](https://holderbook.com/stocks/BSJQ/) | $519.2K | 22,620 | 0.0% | 9 |
| INVESCO EXCH TRD SLF IDX FD | [BSJR](https://holderbook.com/stocks/BSJR/) | $516.5K | 23,114 | 0.0% | 9 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $494.8K | 4,763 | 0.0% | 6 |
| INVESCO EXCH TRD SLF IDX FD | [BSJS](https://holderbook.com/stocks/BSJS/) | $480.4K | 22,091 | 0.0% | 7 |
| SPDR SERIES TRUST | [SDY](https://holderbook.com/stocks/SDY/) | $476.5K | 3,131 | 0.0% | 6 |
| STATE STR SPDR S&P MIDCAP 40 | [MDY](https://holderbook.com/stocks/MDY/) | $473.7K | 674 | 0.0% | 6 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $469.9K | 4,000 | 0.0% | 6 |
| AXOGEN INC | [AXGN](https://holderbook.com/stocks/AXGN/) | $467.3K | 10,116 | 0.0% | 9 |
| 3M CO | [MMM](https://holderbook.com/stocks/MMM/) | $460.8K | 2,846 | 0.0% | 2 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $452.7K | 1,610 | 0.0% | 6 |
| VANGUARD SCOTTSDALE FDS | [VGSH](https://holderbook.com/stocks/VGSH/) | $432.7K | 7,434 | 0.0% | 2 |
| INVESCO EXCHANGE TRADED FD T | [RSPT](https://holderbook.com/stocks/RSPT/) | $428.3K | 6,641 | 0.0% | 9 |
| VANGUARD CHARLOTTE FDS | [BNDX](https://holderbook.com/stocks/BNDX/) | $423.7K | 8,748 | 0.0% | 2 |

## 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 | +9.0% | +14.8% | -5.8% | 100% |
| Q1 2026 | -1.8% | -4.6% | +2.8% | 100% |
| Q4 2025 | +1.3% | +2.4% | -1.1% | 106% |
| Q3 2025 | +6.8% | +7.8% | -1.0% | 100% |
| Q2 2025 | +6.6% | +10.5% | -3.8% | 100% |
| Q1 2025 | -3.5% | -4.6% | +1.1% | 100% |
| Q4 2024 | +0.4% | +2.1% | -1.8% | 100% |
| Q3 2024 | +7.7% | +5.4% | +2.3% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $1.3B | 172 |
| Q1 2026 | $1.2B | 254 |
| Q4 2025 | $1.3B | 269 |
| Q3 2025 | $1.2B | 311 |
| Q2 2025 | $1.2B | 314 |
| Q1 2025 | $1.2B | 307 |
| Q4 2024 | $1.1B | 185 |
| Q3 2024 | $1.2B | 276 |
| Q2 2024 | $1.1B | 267 |
| Q1 2024 | $184.9M | 46 |
| Q4 2023 | $1.0B | 315 |
| Q3 2023 | $677.8M | 275 |