# Michael A. Dubis Financial Planning, LLC

> Institutional holdings reported to the SEC as of Q1 2025 on Form 13F. CIK 2052271. Source: https://holderbook.com/funds/2052271-michael-a-dubis-financial-planning-llc/

- Reported value: $103.0M
- Positions: 45
- Weight of the ten largest: 76.3%
- Filed: 2025-04-15

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 | [VTI](https://holderbook.com/stocks/VTI/) | $21.8M | 79,217 | 21.1% | 2 |
| ISHARES TR | [SGOV](https://holderbook.com/stocks/SGOV/) | $14.4M | 142,686 | 13.9% | 2 |
| VANGUARD SCOTTSDALE FDS | [VGIT](https://holderbook.com/stocks/VGIT/) | $13.3M | 224,500 | 12.9% | 2 |
| VANGUARD SCOTTSDALE FDS | [VGSH](https://holderbook.com/stocks/VGSH/) | $11.9M | 202,703 | 11.5% | 2 |
| SPDR SERIES TRUST | [SPTS](https://holderbook.com/stocks/SPTS/) | $4.9M | 168,753 | 4.8% | 2 |
| DIMENSIONAL ETF TRUST | [DFIC](https://holderbook.com/stocks/DFIC/) | $3.6M | 128,930 | 3.5% | 2 |
| SPDR SERIES TRUST | [SPTM](https://holderbook.com/stocks/SPTM/) | $2.8M | 41,315 | 2.7% | 2 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $2.2M | 9,832 | 2.1% | 2 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $2.1M | 22,747 | 2.0% | 2 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $1.7M | 13,942 | 1.7% | 2 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $1.7M | 32,870 | 1.6% | 2 |
| VANGUARD WORLD FD | [MGC](https://holderbook.com/stocks/MGC/) | $1.6M | 7,785 | 1.5% | 2 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $1.4M | 22,083 | 1.3% | 2 |
| DIMENSIONAL ETF TRUST | [DCOR](https://holderbook.com/stocks/DCOR/) | $1.3M | 21,585 | 1.3% | 2 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $1.3M | 4,946 | 1.2% | 2 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $1.2M | 34,921 | 1.1% | 2 |
| SPDR SERIES TRUST | [BIL](https://holderbook.com/stocks/BIL/) | $1.1M | 11,944 | 1.1% | 2 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $1.0M | 4,049 | 1.0% | 2 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $990.3K | 5,105 | 1.0% | 2 |
| DIMENSIONAL ETF TRUST | [DFAS](https://holderbook.com/stocks/DFAS/) | $958.3K | 16,038 | 0.9% | 2 |
| VANGUARD MALVERN FDS | [VTIP](https://holderbook.com/stocks/VTIP/) | $927.3K | 18,583 | 0.9% | 2 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $894.7K | 11,430 | 0.9% | 2 |
| LOCKHEED MARTIN CORP | [LMT](https://holderbook.com/stocks/LMT/) | $893.4K | 2,000 | 0.9% | 2 |
| ISHARES TR | [ISTB](https://holderbook.com/stocks/ISTB/) | $882.1K | 18,245 | 0.9% | 2 |
| SPDR SERIES TRUST | [SDY](https://holderbook.com/stocks/SDY/) | $708.8K | 5,224 | 0.7% | 2 |
| VANGUARD INTL EQUITY INDEX F | [VEU](https://holderbook.com/stocks/VEU/) | $659.9K | 10,878 | 0.6% | 2 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $638.9K | 1,137 | 0.6% | 2 |
| TRAVELERS COMPANIES INC | [TRV](https://holderbook.com/stocks/TRV/) | $587.7K | 2,222 | 0.6% | 2 |
| ISHARES TR | [SUB](https://holderbook.com/stocks/SUB/) | $557.3K | 5,277 | 0.5% | 2 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $525.9K | 26,585 | 0.5% | 2 |
| DIMENSIONAL ETF TRUST | [DFAI](https://holderbook.com/stocks/DFAI/) | $507.1K | 16,237 | 0.5% | 2 |
| WELLS FARGO & CO | [WFC](https://holderbook.com/stocks/WFC/) | $466.1K | 6,492 | 0.5% | 2 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $458.5K | 10,131 | 0.4% | 2 |
| ISHARES TR | [ESGD](https://holderbook.com/stocks/ESGD/) | $340.6K | 4,170 | 0.3% | 2 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $314.9K | 14,625 | 0.3% | 2 |
| DIMENSIONAL ETF TRUST | [DFAU](https://holderbook.com/stocks/DFAU/) | $314.2K | 8,173 | 0.3% | 2 |
| DIMENSIONAL ETF TRUST | [DFAX](https://holderbook.com/stocks/DFAX/) | $291.3K | 11,120 | 0.3% | 2 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $285.3K | 2,706 | 0.3% | 2 |
| 3M CO | [MMM](https://holderbook.com/stocks/MMM/) | $274.3K | 1,868 | 0.3% | 2 |
| DIMENSIONAL ETF TRUST | [DFSU](https://holderbook.com/stocks/DFSU/) | $259.7K | 7,253 | 0.3% | 2 |
| US BANCORP | [USB](https://holderbook.com/stocks/USB/) | $249.5K | 5,909 | 0.2% | 2 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $238.7K | 1,427 | 0.2% | 2 |
| AMERICAN CENTY ETF TR | [AVDE](https://holderbook.com/stocks/AVDE/) | $230.0K | 3,470 | 0.2% | 2 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $220.5K | 414 | 0.2% | 1 |
| TARGET CORP | [TGT](https://holderbook.com/stocks/TGT/) | $208.7K | 2,000 | 0.2% | 2 |

## 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 |
|---|---|---|---|---|
| Q1 2025 | -1.1% | -4.6% | +3.5% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q1 2025 | $103.0M | 45 |
| Q4 2024 | $103.4M | 48 |