# Silver Oak Advisory Group, Inc.

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1906937. Source: https://holderbook.com/funds/1906937-silver-oak-advisory-group-inc/

- Reported value: $253.6M
- Positions: 86
- Weight of the ten largest: 71.8%
- Filed: 2026-08-03

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 BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $49.3M | 671,986 | 19.4% | 19 |
| VANGUARD CHARLOTTE FDS | [BNDX](https://holderbook.com/stocks/BNDX/) | $26.4M | 544,324 | 10.4% | 19 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $21.6M | 486,000 | 8.5% | 19 |
| DIMENSIONAL ETF TRUST | [DFAX](https://holderbook.com/stocks/DFAX/) | $19.0M | 515,318 | 7.5% | 19 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $17.8M | 228,325 | 7.0% | 19 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $12.1M | 32,776 | 4.8% | 19 |
| VANGUARD ADMIRAL FDS INC | [VIOV](https://holderbook.com/stocks/VIOV/) | $10.3M | 87,995 | 4.1% | 19 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $10.2M | 202,568 | 4.0% | 19 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $8.0M | 83,058 | 3.2% | 19 |
| VANGUARD MUN BD FDS | [VTEI](https://holderbook.com/stocks/VTEI/) | $7.4M | 73,232 | 2.9% | 9 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $7.2M | 93,294 | 2.8% | 19 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $6.6M | 76,986 | 2.6% | 19 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $3.9M | 134,610 | 1.5% | 19 |
| VANGUARD WORLD FD | [VSGX](https://holderbook.com/stocks/VSGX/) | $3.5M | 42,022 | 1.4% | 19 |
| VANGUARD WELLINGTON FD | [VTES](https://holderbook.com/stocks/VTES/) | $2.5M | 24,804 | 1.0% | 12 |
| VANGUARD MALVERN FDS | [VTIP](https://holderbook.com/stocks/VTIP/) | $2.4M | 46,879 | 0.9% | 19 |
| VANGUARD ADMIRAL FDS INC | [VIOO](https://holderbook.com/stocks/VIOO/) | $2.3M | 16,783 | 0.9% | 19 |
| NUSHARES ETF TR | [NUBD](https://holderbook.com/stocks/NUBD/) | $2.3M | 101,739 | 0.9% | 18 |
| VANGUARD INTL EQUITY INDEX F | [VT](https://holderbook.com/stocks/VT/) | $2.2M | 13,825 | 0.9% | 19 |
| DIMENSIONAL ETF TRUST | [DFUS](https://holderbook.com/stocks/DFUS/) | $1.9M | 23,735 | 0.8% | 19 |
| VANGUARD WORLD FD | [ESGV](https://holderbook.com/stocks/ESGV/) | $1.9M | 14,599 | 0.8% | 19 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $1.4M | 3,861 | 0.6% | 19 |
| DIMENSIONAL ETF TRUST | [DFAT](https://holderbook.com/stocks/DFAT/) | $1.4M | 20,257 | 0.6% | 19 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $1.4M | 1,818 | 0.5% | 19 |
| VANGUARD SCOTTSDALE FDS | [VGIT](https://holderbook.com/stocks/VGIT/) | $1.3M | 21,863 | 0.5% | 12 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $1.3M | 4,436 | 0.5% | 19 |
| MANAGER DIRECTED PORTFOLIOS | [VGSR](https://holderbook.com/stocks/VGSR/) | $1.2M | 104,767 | 0.5% | 11 |
| DIMENSIONAL ETF TRUST | [DFUV](https://holderbook.com/stocks/DFUV/) | $1.1M | 20,429 | 0.4% | 17 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $1.1M | 4,565 | 0.4% | 19 |
| VANGUARD SCOTTSDALE FDS | [VCIT](https://holderbook.com/stocks/VCIT/) | $1.1M | 13,134 | 0.4% | 19 |
| INTEL CORP | [INTC](https://holderbook.com/stocks/INTC/) | $1.1M | 7,541 | 0.4% | 4 |
| ISHARES TR | [EAGG](https://holderbook.com/stocks/EAGG/) | $1.0M | 21,864 | 0.4% | 9 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $1.0M | 4,729 | 0.4% | 19 |
| NUSHARES ETF TR | [NUSC](https://holderbook.com/stocks/NUSC/) | $1.0M | 19,387 | 0.4% | 15 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $905.0K | 968 | 0.4% | 19 |
| VANGUARD SCOTTSDALE FDS | [VGSH](https://holderbook.com/stocks/VGSH/) | $883.0K | 15,183 | 0.3% | 10 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $716.0K | 1,959 | 0.3% | 2 |
| VANGUARD INTL EQUITY INDEX F | [VEU](https://holderbook.com/stocks/VEU/) | $591.0K | 7,064 | 0.2% | 19 |
| CSX CORP | [CSX](https://holderbook.com/stocks/CSX/) | $588.0K | 12,376 | 0.2% | 19 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $587.0K | 2,333 | 0.2% | 19 |
| AMERICAN CENTY ETF TR | [AVSU](https://holderbook.com/stocks/AVSU/) | $567.0K | 6,409 | 0.2% | 1 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $540.0K | 1,784 | 0.2% | 19 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $527.0K | 3,856 | 0.2% | 19 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $522.0K | 1,597 | 0.2% | 5 |
| WELLS FARGO & CO | [WFC](https://holderbook.com/stocks/WFC/) | $503.0K | 6,095 | 0.2% | 5 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $496.0K | 663 | 0.2% | 19 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $472.0K | 394 | 0.2% | 19 |
| DIMENSIONAL ETF TRUST | [DFIV](https://holderbook.com/stocks/DFIV/) | $452.0K | 8,381 | 0.2% | 15 |
| DIMENSIONAL ETF TRUST | [DFSU](https://holderbook.com/stocks/DFSU/) | $449.0K | 9,642 | 0.2% | 10 |
| GLACIER BANCORP INC NEW | [GBCI](https://holderbook.com/stocks/GBCI/) | $445.0K | 8,638 | 0.2% | 19 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $443.0K | 16,007 | 0.2% | 19 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $430.0K | 7,209 | 0.2% | 19 |
| ISHARES TR | [IYY](https://holderbook.com/stocks/IYY/) | $426.0K | 2,339 | 0.2% | 19 |
| ISHARES TR | [IWB](https://holderbook.com/stocks/IWB/) | $407.0K | 994 | 0.2% | 19 |
| DIMENSIONAL ETF TRUST | [DFAU](https://holderbook.com/stocks/DFAU/) | $387.0K | 7,500 | 0.2% | 2 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $377.0K | 3,211 | 0.1% | 7 |
| DIMENSIONAL ETF TRUST | [DFAE](https://holderbook.com/stocks/DFAE/) | $345.0K | 8,604 | 0.1% | 4 |
| DIMENSIONAL ETF TRUST | [DFAS](https://holderbook.com/stocks/DFAS/) | $334.0K | 4,058 | 0.1% | 15 |
| STARBUCKS CORP | [SBUX](https://holderbook.com/stocks/SBUX/) | $332.0K | 3,249 | 0.1% | 5 |
| DIMENSIONAL ETF TRUST | [DFAW](https://holderbook.com/stocks/DFAW/) | $328.0K | 3,966 | 0.1% | 3 |
| ISHARES TR | [SUSB](https://holderbook.com/stocks/SUSB/) | $323.0K | 12,958 | 0.1% | 8 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $304.0K | 1,200 | 0.1% | 4 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $295.0K | 4,143 | 0.1% | 6 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $288.0K | 3,349 | 0.1% | 5 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $279.0K | 1,684 | 0.1% | 6 |
| ISHARES TR | [ESGD](https://holderbook.com/stocks/ESGD/) | $276.0K | 2,687 | 0.1% | 15 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $269.0K | 755 | 0.1% | 4 |
| HOWMET AEROSPACE INC | [HWM](https://holderbook.com/stocks/HWM/) | $266.0K | 991 | 0.1% | 5 |
| VANGUARD WORLD FD | [VPU](https://holderbook.com/stocks/VPU/) | $259.0K | 1,325 | 0.1% | 2 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $257.0K | 376 | 0.1% | 1 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $249.0K | 706 | 0.1% | 4 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $246.0K | 1,679 | 0.1% | 2 |
| VANGUARD INTL EQUITY INDEX F | [VSS](https://holderbook.com/stocks/VSS/) | $243.0K | 1,576 | 0.1% | 19 |
| GE AEROSPACE | [GE](https://holderbook.com/stocks/GE/) | $240.0K | 644 | 0.1% | 1 |
| VANGUARD SCOTTSDALE FDS | [VCSH](https://holderbook.com/stocks/VCSH/) | $236.0K | 2,988 | 0.1% | 19 |
| AMERICAN ELEC PWR CO INC | [AEP](https://holderbook.com/stocks/AEP/) | $235.0K | 1,725 | 0.1% | 2 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $235.0K | 2,379 | 0.1% | 19 |
| STATE STR SPDR S&P MIDCAP 40 | [MDY](https://holderbook.com/stocks/MDY/) | $234.0K | 333 | 0.1% | 3 |
| ISHARES TR | [IVE](https://holderbook.com/stocks/IVE/) | $232.0K | 1,026 | 0.1% | 5 |
| UNION PAC CORP | [UNP](https://holderbook.com/stocks/UNP/) | $226.0K | 832 | 0.1% | 2 |
| ISHARES TR | [ESML](https://holderbook.com/stocks/ESML/) | $221.0K | 3,958 | 0.1% | 1 |
| NIKE INC | [NKE](https://holderbook.com/stocks/NKE/) | $221.0K | 5,401 | 0.1% | 4 |
| TEXAS INSTRS INC | [TXN](https://holderbook.com/stocks/TXN/) | $214.0K | 720 | 0.1% | 1 |
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $213.0K | 6,138 | 0.1% | 1 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $211.0K | 753 | 0.1% | 1 |
| BIO RAD LABS INC | [BIO](https://holderbook.com/stocks/BIO/) | $200.0K | 682 | 0.1% | 4 |

## 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 | +6.0% | +14.8% | -8.8% | 100% |
| Q1 2026 | -0.4% | -4.6% | +4.2% | 100% |
| Q4 2025 | +0.8% | +2.4% | -1.6% | 100% |
| Q3 2025 | +3.8% | +7.8% | -4.1% | 100% |
| Q2 2025 | +3.6% | +10.5% | -6.9% | 100% |
| Q1 2025 | -0.6% | -4.6% | +4.0% | 100% |
| Q4 2024 | -2.7% | +2.1% | -4.9% | 100% |
| Q3 2024 | +5.2% | +5.4% | -0.2% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $253.6M | 86 |
| Q1 2026 | $231.8M | 80 |
| Q4 2025 | $221.2M | 75 |
| Q3 2025 | $221.0M | 77 |
| Q2 2025 | $206.4M | 73 |
| Q1 2025 | $188.3M | 65 |
| Q4 2024 | $189.1M | 65 |
| Q3 2024 | $195.0M | 68 |
| Q2 2024 | $180.1M | 64 |
| Q1 2024 | $178.2M | 64 |
| Q4 2023 | $170.3M | 61 |
| Q3 2023 | $154.4M | 60 |