# Penney Financial, LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 2049857. Source: https://holderbook.com/funds/2049857-penney-financial-llc/

- Reported value: $286.1M
- Positions: 53
- Weight of the ten largest: 79.9%
- Filed: 2026-07-22

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/) | $73.2M | 893,449 | 25.6% | 1 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $45.2M | 122,064 | 15.8% | 11 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $24.4M | 342,359 | 8.5% | 11 |
| VANGUARD MALVERN FDS | [VCRB](https://holderbook.com/stocks/VCRB/) | $20.1M | 259,865 | 7.0% | 5 |
| ISHARES TR | [SGOV](https://holderbook.com/stocks/SGOV/) | $15.6M | 155,055 | 5.5% | 5 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $12.8M | 132,569 | 4.5% | 11 |
| J P MORGAN EXCHANGE TRADED F | [JPIE](https://holderbook.com/stocks/JPIE/) | $9.8M | 211,958 | 3.4% | 8 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $9.5M | 60,279 | 3.3% | 11 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $9.3M | 293,595 | 3.3% | 11 |
| VANGUARD MUN BD FDS | [VCRM](https://holderbook.com/stocks/VCRM/) | $8.7M | 113,444 | 3.0% | 1 |
| CAPITAL GRP FIXED INCM ETF T | [CGMU](https://holderbook.com/stocks/CGMU/) | $5.8M | 211,497 | 2.0% | 4 |
| J P MORGAN EXCHANGE TRADED F | [JEPI](https://holderbook.com/stocks/JEPI/) | $5.7M | 100,261 | 2.0% | 11 |
| J P MORGAN EXCHANGE TRADED F | [JPST](https://holderbook.com/stocks/JPST/) | $4.3M | 84,243 | 1.5% | 2 |
| DIMENSIONAL ETF TRUST | [DFSD](https://holderbook.com/stocks/DFSD/) | $4.0M | 82,902 | 1.4% | 1 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $3.6M | 42,475 | 1.3% | 11 |
| J P MORGAN EXCHANGE TRADED F | [HELO](https://holderbook.com/stocks/HELO/) | $3.6M | 52,887 | 1.2% | 11 |
| FRANKLIN TEMPLETON ETF TR | [FLMI](https://holderbook.com/stocks/FLMI/) | $3.1M | 124,597 | 1.1% | 4 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $3.0M | 102,649 | 1.0% | 11 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $2.6M | 8,892 | 0.9% | 11 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $2.4M | 47,994 | 0.8% | 11 |
| DIMENSIONAL ETF TRUST | [DFNM](https://holderbook.com/stocks/DFNM/) | $1.7M | 35,448 | 0.6% | 4 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $1.5M | 2,211 | 0.5% | 8 |
| ISHARES TR | [SUB](https://holderbook.com/stocks/SUB/) | $1.3M | 12,607 | 0.5% | 11 |
| GOLDMAN SACHS ETF TR | [GPIX](https://holderbook.com/stocks/GPIX/) | $1.1M | 19,656 | 0.4% | 1 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $1.0M | 1,374 | 0.4% | 11 |
| CHENIERE ENERGY INC | [LNG](https://holderbook.com/stocks/LNG/) | $1.0M | 4,221 | 0.4% | 7 |
| ISHARES TR | [IWB](https://holderbook.com/stocks/IWB/) | $974.6K | 2,380 | 0.3% | 11 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $861.8K | 5,246 | 0.3% | 4 |
| GOLDMAN SACHS ETF TR | [GSLC](https://holderbook.com/stocks/GSLC/) | $820.0K | 5,779 | 0.3% | 11 |
| J P MORGAN EXCHANGE TRADED F | [JQUA](https://holderbook.com/stocks/JQUA/) | $819.9K | 11,343 | 0.3% | 11 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $795.3K | 3,337 | 0.3% | 11 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $720.8K | 4,349 | 0.3% | 11 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $694.2K | 1,861 | 0.2% | 11 |
| FIREFLY AEROSPACE INC | [FLY](https://holderbook.com/stocks/FLY/) | $670.1K | 22,793 | 0.2% | 2 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $661.9K | 2,203 | 0.2% | 11 |
| MORGAN STANLEY ETF TRUST | [EVTR](https://holderbook.com/stocks/EVTR/) | $454.8K | 8,969 | 0.2% | 5 |
| GRANITE CONSTR INC | [GVA](https://holderbook.com/stocks/GVA/) | $316.2K | 2,000 | 0.1% | 11 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $313.7K | 3,642 | 0.1% | 4 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $304.6K | 1,005 | 0.1% | 11 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $298.4K | 3,830 | 0.1% | 11 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $296.3K | 829 | 0.1% | 3 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $288.9K | 9,816 | 0.1% | 10 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $275.7K | 3,575 | 0.1% | 11 |
| SPDR INDEX SHS FDS | [CWI](https://holderbook.com/stocks/CWI/) | $266.0K | 6,540 | 0.1% | 5 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $258.7K | 1,187 | 0.1% | 2 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $232.0K | 1,697 | 0.1% | 4 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $224.8K | 399 | 0.1% | 4 |
| BRITISH AMERN TOB PLC | [BTI](https://holderbook.com/stocks/BTI/) | $222.5K | 3,603 | 0.1% | 3 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $221.3K | 645 | 0.1% | 1 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $214.7K | 202 | 0.1% | 1 |
| EQUINOR ASA | [EQNR](https://holderbook.com/stocks/EQNR/) | $208.8K | 6,649 | 0.1% | 10 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $204.6K | 625 | 0.1% | 1 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $202.8K | 2,049 | 0.1% | 11 |

## 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 | +8.4% | +14.8% | -6.4% | 100% |
| Q1 2026 | -1.4% | -4.6% | +3.2% | 100% |
| Q4 2025 | +1.5% | +2.4% | -0.8% | 100% |
| Q3 2025 | +5.4% | +7.8% | -2.4% | 100% |
| Q2 2025 | +7.7% | +10.5% | -2.8% | 100% |
| Q1 2025 | -2.0% | -4.6% | +2.5% | 100% |
| Q4 2024 | -0.5% | +2.1% | -2.7% | 100% |
| Q3 2024 | +6.1% | +5.4% | +0.6% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $286.1M | 53 |
| Q1 2026 | $260.6M | 48 |
| Q4 2025 | $259.1M | 49 |
| Q3 2025 | $223.3M | 49 |
| Q2 2025 | $196.7M | 42 |
| Q1 2025 | $152.3M | 37 |
| Q4 2024 | $149.1M | 39 |
| Q3 2024 | $146.6M | 36 |
| Q2 2024 | $136.7M | 34 |
| Q1 2024 | $135.4M | 33 |
| Q4 2023 | $120.9M | 31 |