# Certus Wealth Management, LLC

> Institutional holdings reported to the SEC as of Q3 2025 on Form 13F. CIK 1989526. Source: https://holderbook.com/funds/1989526-certus-wealth-management-llc/

- Reported value: $167.1M
- Positions: 58
- Weight of the ten largest: 55.7%
- Filed: 2025-11-07

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 |
|---|---|---|---|---|---|
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $16.1M | 26,212 | 9.6% | 10 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $11.2M | 23,268 | 6.7% | 10 |
| ISHARES TR | [EFV](https://holderbook.com/stocks/EFV/) | $9.7M | 143,330 | 5.8% | 10 |
| BLACKROCK ETF TRUST | [DYNF](https://holderbook.com/stocks/DYNF/) | $9.4M | 158,695 | 5.6% | 7 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $8.7M | 117,640 | 5.2% | 10 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $8.2M | 12,217 | 4.9% | 10 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $8.1M | 55,420 | 4.8% | 10 |
| ISHARES TR | [QUAL](https://holderbook.com/stocks/QUAL/) | $7.7M | 39,619 | 4.6% | 10 |
| ISHARES TR | [CMF](https://holderbook.com/stocks/CMF/) | $7.3M | 127,232 | 4.3% | 10 |
| ISHARES TR | [OEF](https://holderbook.com/stocks/OEF/) | $6.8M | 20,350 | 4.1% | 8 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $6.7M | 36,071 | 4.0% | 10 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $6.6M | 25,807 | 3.9% | 10 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $5.6M | 102,798 | 3.3% | 10 |
| ISHARES TR | [EFG](https://holderbook.com/stocks/EFG/) | $3.6M | 31,902 | 2.2% | 10 |
| ISHARES TR | [TLH](https://holderbook.com/stocks/TLH/) | $3.2M | 31,268 | 1.9% | 4 |
| BLACKROCK ETF TRUST | [THRO](https://holderbook.com/stocks/THRO/) | $3.2M | 84,708 | 1.9% | 2 |
| ORACLE CORP | [ORCL](https://holderbook.com/stocks/ORCL/) | $3.1M | 11,142 | 1.9% | 10 |
| BLACKROCK ETF TRUST | [BAI](https://holderbook.com/stocks/BAI/) | $2.9M | 85,374 | 1.7% | 2 |
| ISHARES GOLD TR | [IAU](https://holderbook.com/stocks/IAU/) | $2.5M | 33,867 | 1.5% | 4 |
| VANGUARD SCOTTSDALE FDS | [VMBS](https://holderbook.com/stocks/VMBS/) | $2.5M | 52,333 | 1.5% | 10 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $2.2M | 24,852 | 1.3% | 10 |
| BLACKROCK ETF TRUST II | [BINC](https://holderbook.com/stocks/BINC/) | $2.1M | 39,389 | 1.3% | 7 |
| ISHARES INC | [EMXC](https://holderbook.com/stocks/EMXC/) | $2.0M | 29,489 | 1.2% | 8 |
| VANGUARD WELLINGTON FD | [VFMO](https://holderbook.com/stocks/VFMO/) | $1.7M | 9,080 | 1.0% | 4 |
| VANGUARD CHARLOTTE FDS | [BNDX](https://holderbook.com/stocks/BNDX/) | $1.7M | 34,428 | 1.0% | 2 |
| ISHARES TR | [IEF](https://holderbook.com/stocks/IEF/) | $1.7M | 17,308 | 1.0% | 10 |
| GLOBAL X FDS | [SHLD](https://holderbook.com/stocks/SHLD/) | $1.6M | 23,007 | 1.0% | 1 |
| ISHARES TR | [IXN](https://holderbook.com/stocks/IXN/) | $1.6M | 15,149 | 0.9% | 10 |
| INVESCO EXCH TRADED FD TR II | [PWZ](https://holderbook.com/stocks/PWZ/) | $1.6M | 65,204 | 0.9% | 2 |
| ISHARES TR | [IXUS](https://holderbook.com/stocks/IXUS/) | $1.4M | 17,114 | 0.8% | 5 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $1.1M | 2,555 | 0.7% | 10 |
| ISHARES TR | [GOVT](https://holderbook.com/stocks/GOVT/) | $1.1M | 46,787 | 0.6% | 10 |
| ISHARES TR | [USMV](https://holderbook.com/stocks/USMV/) | $1.0M | 10,806 | 0.6% | 10 |
| ISHARES TR | [IUSB](https://holderbook.com/stocks/IUSB/) | $1.0M | 21,857 | 0.6% | 10 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $1.0M | 20,389 | 0.6% | 9 |
| ISHARES TR | [IYW](https://holderbook.com/stocks/IYW/) | $956.4K | 4,883 | 0.6% | 10 |
| ISHARES TR | [SUB](https://holderbook.com/stocks/SUB/) | $859.6K | 8,050 | 0.5% | 10 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $748.8K | 1,124 | 0.4% | 10 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $743.5K | 2,266 | 0.4% | 10 |
| ISHARES TR | [EMB](https://holderbook.com/stocks/EMB/) | $739.1K | 7,764 | 0.4% | 10 |
| LOCKHEED MARTIN CORP | [LMT](https://holderbook.com/stocks/LMT/) | $732.8K | 1,468 | 0.4% | 10 |
| SPDR SERIES TRUST | [SPTI](https://holderbook.com/stocks/SPTI/) | $683.0K | 23,633 | 0.4% | 10 |
| ISHARES TR | [ESGU](https://holderbook.com/stocks/ESGU/) | $618.9K | 4,251 | 0.4% | 10 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $505.1K | 4,743 | 0.3% | 10 |
| BLACKROCK ETF TRUST II | [HIMU](https://holderbook.com/stocks/HIMU/) | $498.5K | 10,134 | 0.3% | 1 |
| ISHARES TR | [VLUE](https://holderbook.com/stocks/VLUE/) | $492.3K | 3,937 | 0.3% | 10 |
| ISHARES TR | [HEFA](https://holderbook.com/stocks/HEFA/) | $486.3K | 12,276 | 0.3% | 6 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $462.1K | 7,010 | 0.3% | 10 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $445.0K | 859 | 0.3% | 7 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $346.2K | 739 | 0.2% | 8 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $326.8K | 445 | 0.2% | 6 |
| ISHARES TR | [MBB](https://holderbook.com/stocks/MBB/) | $291.9K | 3,068 | 0.2% | 5 |
| ISHARES TR | [IGEB](https://holderbook.com/stocks/IGEB/) | $285.2K | 6,195 | 0.2% | 5 |
| NETFLIX INC | [NFLX](https://holderbook.com/stocks/NFLX/) | $255.4K | 213 | 0.2% | 4 |
| ISHARES TR | [IXC](https://holderbook.com/stocks/IXC/) | $223.5K | 5,354 | 0.1% | 8 |
| ISHARES TR | [STIP](https://holderbook.com/stocks/STIP/) | $213.1K | 2,062 | 0.1% | 1 |
| ISHARES TR | [MTUM](https://holderbook.com/stocks/MTUM/) | $209.3K | 816 | 0.1% | 1 |
| FORD MTR CO | [F](https://holderbook.com/stocks/F/) | $199.8K | 16,702 | 0.1% | 10 |

## 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 |
|---|---|---|---|---|
| Q3 2025 | +7.3% | +7.8% | -0.5% | 100% |
| Q2 2025 | +8.2% | +10.5% | -2.2% | 97% |
| Q1 2025 | -2.5% | -4.6% | +2.1% | 98% |
| Q4 2024 | -1.0% | +2.1% | -3.1% | 100% |
| Q3 2024 | +5.5% | +5.4% | +0.0% | 100% |
| Q2 2024 | +2.7% | +4.0% | -1.4% | 102% |
| Q1 2024 | +5.2% | +10.0% | -4.9% | 100% |
| Q4 2023 | +8.8% | +11.2% | -2.4% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q3 2025 | $167.1M | 58 |
| Q2 2025 | $155.3M | 56 |
| Q1 2025 | $147.3M | 53 |
| Q4 2024 | $149.4M | 57 |
| Q3 2024 | $143.7M | 51 |
| Q2 2024 | $131.7M | 52 |
| Q1 2024 | $125.6M | 50 |
| Q4 2023 | $117.9M | 54 |
| Q3 2023 | $104.6M | 54 |
| Q2 2023 | $100.6M | 60 |