# OLIO Financial Planning

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1906766. Source: https://holderbook.com/funds/1906766-olio-financial-planning/

- Reported value: $403.1M
- Positions: 68
- Weight of the ten largest: 88.3%
- Filed: 2026-07-17

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 | [VTV](https://holderbook.com/stocks/VTV/) | $74.0M | 339,638 | 18.4% | 19 |
| DIMENSIONAL ETF TRUST | [DFUS](https://holderbook.com/stocks/DFUS/) | $73.5M | 896,829 | 18.2% | 18 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $59.2M | 830,924 | 14.7% | 19 |
| FIDELITY MERRIMACK STR TR | [FBND](https://holderbook.com/stocks/FBND/) | $49.3M | 1,084,423 | 12.2% | 18 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $41.8M | 112,899 | 10.4% | 19 |
| VANGUARD INDEX FDS | [VOE](https://holderbook.com/stocks/VOE/) | $20.3M | 102,577 | 5.0% | 19 |
| DIMENSIONAL ETF TRUST | [DFAT](https://holderbook.com/stocks/DFAT/) | $16.3M | 233,804 | 4.1% | 14 |
| VANGUARD INTL EQUITY INDEX F | [VEU](https://holderbook.com/stocks/VEU/) | $12.2M | 145,173 | 3.0% | 19 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $5.1M | 161,377 | 1.3% | 19 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $4.3M | 85,515 | 1.1% | 19 |
| SPDR INDEX SHS FDS | [SPEM](https://holderbook.com/stocks/SPEM/) | $3.6M | 70,419 | 0.9% | 7 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $3.3M | 13,459 | 0.8% | 19 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $3.0M | 10,420 | 0.7% | 19 |
| SPDR SERIES TRUST | [SPSB](https://holderbook.com/stocks/SPSB/) | $2.7M | 89,293 | 0.7% | 7 |
| ISHARES TR | [ESGD](https://holderbook.com/stocks/ESGD/) | $2.2M | 21,848 | 0.6% | 19 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $2.2M | 37,510 | 0.6% | 19 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $2.1M | 24,315 | 0.5% | 19 |
| ISHARES TR | [ESGU](https://holderbook.com/stocks/ESGU/) | $1.7M | 10,384 | 0.4% | 19 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $1.6M | 2,276 | 0.4% | 13 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $1.4M | 17,384 | 0.3% | 19 |
| SCHWAB STRATEGIC TR | [SCHE](https://holderbook.com/stocks/SCHE/) | $1.3M | 35,599 | 0.3% | 19 |
| ISHARES INC | [EMXC](https://holderbook.com/stocks/EMXC/) | $1.1M | 10,430 | 0.3% | 18 |
| J P MORGAN EXCHANGE TRADED F | [JMST](https://holderbook.com/stocks/JMST/) | $1.0M | 20,171 | 0.3% | 16 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $946.2K | 1,891 | 0.2% | 19 |
| ISHARES INC | [ESGE](https://holderbook.com/stocks/ESGE/) | $924.8K | 16,910 | 0.2% | 19 |
| SPDR SERIES TRUST | [SPTM](https://holderbook.com/stocks/SPTM/) | $920.8K | 10,142 | 0.2% | 19 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $848.0K | 3,558 | 0.2% | 19 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $776.4K | 3,880 | 0.2% | 7 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $768.1K | 1,043 | 0.2% | 18 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $717.6K | 24,779 | 0.2% | 13 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $659.5K | 2,015 | 0.2% | 7 |
| ADVANCED MICRO DEVICES INC | [AMD](https://holderbook.com/stocks/AMD/) | $649.5K | 1,118 | 0.2% | 3 |
| AEGON LTD | [AEG](https://holderbook.com/stocks/AEG/) | $599.3K | 71,009 | 0.1% | 7 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $596.8K | 1,620 | 0.1% | 19 |
| ISHARES TR | [ESML](https://holderbook.com/stocks/ESML/) | $573.3K | 10,251 | 0.1% | 7 |
| APPLIED MATLS INC | [AMAT](https://holderbook.com/stocks/AMAT/) | $560.3K | 775 | 0.1% | 2 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $529.0K | 4,915 | 0.1% | 19 |
| BOOZ ALLEN HAMILTON HLDG COR | [BAH](https://holderbook.com/stocks/BAH/) | $495.1K | 8,160 | 0.1% | 19 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $486.7K | 650 | 0.1% | 19 |
| INTUITIVE SURGICAL INC | [ISRG](https://holderbook.com/stocks/ISRG/) | $467.3K | 1,175 | 0.1% | 6 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $453.1K | 1,215 | 0.1% | 19 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $451.9K | 1,264 | 0.1% | 3 |
| DOMINION ENERGY INC | [D](https://holderbook.com/stocks/D/) | $447.0K | 6,545 | 0.1% | 12 |
| CARLISLE COS INC | [CSL](https://holderbook.com/stocks/CSL/) | $433.8K | 1,196 | 0.1% | 7 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $432.9K | 2,272 | 0.1% | 13 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $431.0K | 2,624 | 0.1% | 7 |
| ISHARES TR | [SUSA](https://holderbook.com/stocks/SUSA/) | $410.7K | 2,662 | 0.1% | 5 |
| RTX CORPORATION | [RTX](https://holderbook.com/stocks/RTX/) | $408.9K | 2,155 | 0.1% | 7 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $392.1K | 7,781 | 0.1% | 13 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $362.7K | 1,027 | 0.1% | 7 |
| GLADSTONE COMMERCIAL CORP | [GOOD](https://holderbook.com/stocks/GOOD/) | $357.3K | 29,050 | 0.1% | 19 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $331.2K | 588 | 0.1% | 7 |
| INVESCO EXCHANGE TRADED FD T | [RSPT](https://holderbook.com/stocks/RSPT/) | $318.4K | 4,937 | 0.1% | 5 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $318.1K | 426 | 0.1% | 6 |
| NORFOLK SOUTHN CORP | [NSC](https://holderbook.com/stocks/NSC/) | $301.7K | 959 | 0.1% | 5 |
| SCIENCE APPLICATIONS INTL CO | [SAIC](https://holderbook.com/stocks/SAIC/) | $288.7K | 2,615 | 0.1% | 3 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $260.8K | 279 | 0.1% | 7 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $256.1K | 1,873 | 0.1% | 7 |
| DIMENSIONAL ETF TRUST | [DFUV](https://holderbook.com/stocks/DFUV/) | $233.9K | 4,253 | 0.1% | 11 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $229.0K | 2,022 | 0.1% | 3 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $228.7K | 1,380 | 0.1% | 3 |
| SPDR SERIES TRUST | [SPAB](https://holderbook.com/stocks/SPAB/) | $224.0K | 8,777 | 0.1% | 6 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $220.7K | 728 | 0.1% | 1 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $212.8K | 2,732 | 0.1% | 19 |
| AMERICAN ELEC PWR CO INC | [AEP](https://holderbook.com/stocks/AEP/) | $210.7K | 1,540 | 0.1% | 2 |
| MANHATTAN BRDG CAP INC | [LOAN](https://holderbook.com/stocks/LOAN/) | $59.6K | 59,563 | 0.0% | 7 |
| NORTHERN DYNASTY MINERALS LT | [NAK](https://holderbook.com/stocks/NAK/) | $43.0K | 22,420 | 0.0% | 3 |
| SMARTRENT INC | [SMRT](https://holderbook.com/stocks/SMRT/) | $18.5K | 15,536 | 0.0% | 3 |

## 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 | +10.4% | +14.8% | -4.4% | 100% |
| Q1 2026 | -0.2% | -4.6% | +4.5% | 100% |
| Q4 2025 | +2.0% | +2.4% | -0.4% | 100% |
| Q3 2025 | +5.8% | +7.8% | -2.0% | 100% |
| Q2 2025 | +6.6% | +10.5% | -3.9% | 100% |
| Q1 2025 | -0.5% | -4.6% | +4.0% | 100% |
| Q4 2024 | -2.6% | +2.1% | -4.7% | 112% |
| Q3 2024 | +6.5% | +5.4% | +1.1% | 106% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $403.1M | 68 |
| Q1 2026 | $361.0M | 72 |
| Q4 2025 | $356.5M | 71 |
| Q3 2025 | $340.9M | 67 |
| Q2 2025 | $317.1M | 64 |
| Q1 2025 | $289.3M | 59 |
| Q4 2024 | $284.7M | 59 |
| Q3 2024 | $237.7M | 52 |
| Q2 2024 | $237.1M | 52 |
| Q1 2024 | $237.7M | 52 |
| Q4 2023 | $238.8M | 52 |
| Q3 2023 | $213.0M | 53 |