# Great Waters Wealth Management

> Institutional holdings reported to the SEC as of Q3 2026 on Form 13F. CIK 1964535. Source: https://holderbook.com/funds/1964535-great-waters-wealth-management/

- Reported value: $1.1B
- Positions: 131
- Weight of the ten largest: 87.3%
- Filed: 2026-10-07

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 |
|---|---|---|---|---|---|
| DIMENSIONAL ETF TRUST | [DFUS](https://holderbook.com/stocks/DFUS/) | $258.6M | 3,114,270 | 23.3% | 16 |
| DIMENSIONAL ETF TRUST | [DFAX](https://holderbook.com/stocks/DFAX/) | $198.0M | 5,348,513 | 17.8% | 16 |
| DIMENSIONAL ETF TRUST | [DFCF](https://holderbook.com/stocks/DFCF/) | $170.2M | 4,243,092 | 15.3% | 16 |
| DIMENSIONAL ETF TRUST | [DFSD](https://holderbook.com/stocks/DFSD/) | $98.3M | 2,114,712 | 8.8% | 16 |
| DIMENSIONAL ETF TRUST | [DFAS](https://holderbook.com/stocks/DFAS/) | $95.0M | 1,227,703 | 8.5% | 16 |
| DIMENSIONAL ETF TRUST | [DFAT](https://holderbook.com/stocks/DFAT/) | $62.6M | 942,310 | 5.6% | 16 |
| DIMENSIONAL ETF TRUST | [DFGR](https://holderbook.com/stocks/DFGR/) | $28.3M | 1,044,549 | 2.5% | 13 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $23.3M | 332,202 | 2.1% | 16 |
| DIMENSIONAL ETF TRUST | [DFIC](https://holderbook.com/stocks/DFIC/) | $18.5M | 491,025 | 1.7% | 16 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $17.9M | 64,266 | 1.6% | 16 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $12.7M | 285,686 | 1.1% | 16 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $10.4M | 31,173 | 0.9% | 16 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $8.0M | 34,940 | 0.7% | 16 |
| UNITEDHEALTH GROUP INC | [UNH](https://holderbook.com/stocks/UNH/) | $7.5M | 20,426 | 0.7% | 16 |
| DIMENSIONAL ETF TRUST | [DFAE](https://holderbook.com/stocks/DFAE/) | $7.2M | 182,668 | 0.6% | 16 |
| 3M CO | [MMM](https://holderbook.com/stocks/MMM/) | $4.0M | 24,394 | 0.4% | 16 |
| MICRON TECHNOLOGY INC | [MU](https://holderbook.com/stocks/MU/) | $3.5M | 3,325 | 0.3% | 16 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $2.8M | 5,453 | 0.3% | 16 |
| DONALDSON INC | [DCI](https://holderbook.com/stocks/DCI/) | $2.6M | 30,219 | 0.2% | 16 |
| SPDR INDEX SHS FDS | [SPGM](https://holderbook.com/stocks/SPGM/) | $2.6M | 30,262 | 0.2% | 16 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $2.6M | 54,486 | 0.2% | 16 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $2.6M | 78,784 | 0.2% | 16 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $2.5M | 85,827 | 0.2% | 16 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $2.5M | 19,755 | 0.2% | 16 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $2.0M | 19,367 | 0.2% | 16 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $1.9M | 7,848 | 0.2% | 16 |
| ADVANCED MICRO DEVICES INC | [AMD](https://holderbook.com/stocks/AMD/) | $1.9M | 3,093 | 0.2% | 8 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $1.9M | 7,539 | 0.2% | 16 |
| ISHARES TR | [ACWI](https://holderbook.com/stocks/ACWI/) | $1.8M | 11,563 | 0.2% | 16 |
| HONEYWELL INTL INC | [HON](https://holderbook.com/stocks/HON/) | $1.7M | 8,118 | 0.2% | 1 |
| PIMCO ETF TR | [CORP](https://holderbook.com/stocks/CORP/) | $1.7M | 18,318 | 0.2% | 16 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $1.7M | 46,493 | 0.2% | 16 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $1.6M | 60,047 | 0.1% | 16 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $1.6M | 1,811 | 0.1% | 16 |
| TERADYNE INC | [TER](https://holderbook.com/stocks/TER/) | $1.6M | 4,000 | 0.1% | 16 |
| INVESCO EXCH TRADED FD TR II | [SPLV](https://holderbook.com/stocks/SPLV/) | $1.6M | 22,654 | 0.1% | 16 |
| SSGA ACTIVE ETF TR | [SRLN](https://holderbook.com/stocks/SRLN/) | $1.6M | 38,410 | 0.1% | 16 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $1.4M | 1,828 | 0.1% | 16 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $1.4M | 3,910 | 0.1% | 16 |
| SCHWAB STRATEGIC TR | [SCHO](https://holderbook.com/stocks/SCHO/) | $1.3M | 55,560 | 0.1% | 16 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $1.3M | 40,570 | 0.1% | 16 |
| HONEYWELL AEROSPACE INC | [HONA](https://holderbook.com/stocks/HONA/) | $1.3M | 8,158 | 0.1% | 1 |
| SCHWAB STRATEGIC TR | [SCHM](https://holderbook.com/stocks/SCHM/) | $1.2M | 35,389 | 0.1% | 16 |
| MEDTRONIC PLC | [MDT](https://holderbook.com/stocks/MDT/) | $1.1M | 12,571 | 0.1% | 16 |
| VANGUARD SCOTTSDALE FDS | [VGSH](https://holderbook.com/stocks/VGSH/) | $1.1M | 18,663 | 0.1% | 16 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $1.0M | 1,349 | 0.1% | 16 |
| SCHWAB STRATEGIC TR | [SCHZ](https://holderbook.com/stocks/SCHZ/) | $943.6K | 42,695 | 0.1% | 16 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $910.6K | 1,829 | 0.1% | 16 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $901.5K | 779 | 0.1% | 16 |
| INVESCO EXCH TRADED FD TR II | [IFLN](https://holderbook.com/stocks/IFLN/) | $843.4K | 48,358 | 0.1% | 16 |
| MCKESSON CORP | [MCK](https://holderbook.com/stocks/MCK/) | $838.4K | 982 | 0.1% | 16 |
| TRANE TECHNOLOGIES PLC | [TT](https://holderbook.com/stocks/TT/) | $835.7K | 1,849 | 0.1% | 6 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $807.1K | 1,091 | 0.1% | 11 |
| ABBOTT LABORATORIES | [ABT](https://holderbook.com/stocks/ABT/) | $804.8K | 8,143 | 0.1% | 16 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $804.0K | 2,337 | 0.1% | 16 |
| ECOLAB INC | [ECL](https://holderbook.com/stocks/ECL/) | $756.0K | 2,753 | 0.1% | 16 |
| PFIZER INC | [PFE](https://holderbook.com/stocks/PFE/) | $723.9K | 25,381 | 0.1% | 16 |
| XCEL ENERGY INC | [XEL](https://holderbook.com/stocks/XEL/) | $712.7K | 10,112 | 0.1% | 16 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $689.8K | 1,843 | 0.1% | 16 |
| WISDOMTREE TR | [DGRE](https://holderbook.com/stocks/DGRE/) | $676.4K | 16,694 | 0.1% | 16 |
| VANGUARD INTL EQUITY INDEX F | [VGK](https://holderbook.com/stocks/VGK/) | $636.3K | 7,331 | 0.1% | 16 |
| LAM RESEARCH CORP | [LRCX](https://holderbook.com/stocks/LRCX/) | $617.9K | 1,881 | 0.1% | 5 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $605.7K | 1,777 | 0.1% | 4 |
| COLGATE PALMOLIVE CO | [CL](https://holderbook.com/stocks/CL/) | $601.3K | 7,048 | 0.1% | 16 |
| DELTA AIR LINES INC | [DAL](https://holderbook.com/stocks/DAL/) | $578.3K | 6,929 | 0.1% | 14 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $526.1K | 1,987 | 0.0% | 16 |
| STATE STR SPDR DOW JONES IND | [DIA](https://holderbook.com/stocks/DIA/) | $524.1K | 1,031 | 0.0% | 2 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $515.5K | 2,232 | 0.0% | 7 |
| TAIWAN SEMICONDUCTOR MANUFAC | [TSM](https://holderbook.com/stocks/TSM/) | $498.2K | 1,092 | 0.0% | 10 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $496.9K | 685 | 0.0% | 12 |
| TRAVELERS COMPANIES INC | [TRV](https://holderbook.com/stocks/TRV/) | $490.9K | 1,377 | 0.0% | 16 |
| SOLVENTUM CORP | [SOLV](https://holderbook.com/stocks/SOLV/) | $486.5K | 5,519 | 0.0% | 10 |
| TORO CO | [TTC](https://holderbook.com/stocks/TTC/) | $477.0K | 4,947 | 0.0% | 16 |
| INVESCO EXCH TRADED FD TR II | [PCY](https://holderbook.com/stocks/PCY/) | $475.2K | 23,903 | 0.0% | 16 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $469.2K | 2,822 | 0.0% | 10 |
| OMEGA HEALTHCARE INVS INC | [OHI](https://holderbook.com/stocks/OHI/) | $463.1K | 10,000 | 0.0% | 14 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $444.1K | 634 | 0.0% | 8 |
| ALTRIA GROUP INC | [MO](https://holderbook.com/stocks/MO/) | $420.1K | 6,238 | 0.0% | 14 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $415.9K | 3,864 | 0.0% | 8 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $414.4K | 511 | 0.0% | 5 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $411.1K | 3,956 | 0.0% | 11 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $408.1K | 5,780 | 0.0% | 10 |
| AMERIPRISE FINL INC | [AMP](https://holderbook.com/stocks/AMP/) | $403.1K | 819 | 0.0% | 16 |
| SPDR INDEX SHS FDS | [GMF](https://holderbook.com/stocks/GMF/) | $391.8K | 2,509 | 0.0% | 16 |
| PEPSICO INC | [PEP](https://holderbook.com/stocks/PEP/) | $389.7K | 3,075 | 0.0% | 5 |
| AMGEN INC | [AMGN](https://holderbook.com/stocks/AMGN/) | $383.2K | 909 | 0.0% | 13 |
| FIFTH THIRD BANCORP | [FITB](https://holderbook.com/stocks/FITB/) | $382.4K | 7,560 | 0.0% | 3 |
| CENCORA INC | [COR](https://holderbook.com/stocks/COR/) | $377.7K | 1,258 | 0.0% | 6 |
| FAIR ISAAC CORP | [FICO](https://holderbook.com/stocks/FICO/) | $377.4K | 637 | 0.0% | 16 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $375.7K | 1,436 | 0.0% | 10 |
| ENTEGRIS INC | [ENTG](https://holderbook.com/stocks/ENTG/) | $366.5K | 2,379 | 0.0% | 5 |
| ISHARES TR | [USHY](https://holderbook.com/stocks/USHY/) | $363.4K | 10,173 | 0.0% | 1 |
| ROSS STORES INC | [ROST](https://holderbook.com/stocks/ROST/) | $354.3K | 1,518 | 0.0% | 4 |
| ISHARES TR | [IGM](https://holderbook.com/stocks/IGM/) | $342.8K | 2,028 | 0.0% | 6 |
| ETF OPPORTUNITIES TRUST | [ACVF](https://holderbook.com/stocks/ACVF/) | $342.1K | 6,287 | 0.0% | 8 |
| BOSTON SCIENTIFIC CORP | [BSX](https://holderbook.com/stocks/BSX/) | $341.5K | 7,823 | 0.0% | 16 |
| INTEL CORP | [INTC](https://holderbook.com/stocks/INTC/) | $335.8K | 2,793 | 0.0% | 2 |
| APPLIED MATLS INC | [AMAT](https://holderbook.com/stocks/AMAT/) | $335.0K | 655 | 0.0% | 3 |
| US BANCORP | [USB](https://holderbook.com/stocks/USB/) | $333.5K | 5,773 | 0.0% | 16 |
| TARGET CORP | [TGT](https://holderbook.com/stocks/TGT/) | $330.7K | 2,110 | 0.0% | 12 |

## 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 | +9.5% | +14.8% | -5.3% | 100% |
| Q1 2026 | -0.2% | -4.6% | +4.4% | 100% |
| Q4 2025 | +1.8% | +2.4% | -0.5% | 100% |
| Q3 2025 | +5.7% | +7.8% | -2.1% | 100% |
| Q2 2025 | +6.2% | +10.5% | -4.2% | 100% |
| Q1 2025 | -1.2% | -4.6% | +3.3% | 100% |
| Q4 2024 | -2.5% | +2.1% | -4.6% | 100% |
| Q3 2024 | +6.1% | +5.4% | +0.6% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q3 2026 | $1.1B | 131 |
| Q2 2026 | $1.1B | 127 |
| Q1 2026 | $944.9M | 121 |
| Q4 2025 | $909.0M | 117 |
| Q3 2025 | $846.4M | 114 |
| Q2 2025 | $768.9M | 110 |
| Q1 2025 | $720.8M | 103 |
| Q4 2024 | $779.3M | 112 |
| Q3 2024 | $741.6M | 110 |
| Q2 2024 | $654.8M | 104 |
| Q1 2024 | $612.3M | 99 |
| Q4 2023 | $563.8M | 96 |