# CERTIOR FINANCIAL GROUP, LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 2055620. Source: https://holderbook.com/funds/2055620-certior-financial-group-llc/

- Reported value: $182.5M
- Positions: 146
- Weight of the ten largest: 41.4%
- Filed: 2026-07-20

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 |
|---|---|---|---|---|---|
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $13.5M | 400,233 | 7.4% | 7 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $11.6M | 364,332 | 6.3% | 7 |
| T ROWE PRICE EXCHANGE-TRADED | [TCAF](https://holderbook.com/stocks/TCAF/) | $10.5M | 255,998 | 5.8% | 7 |
| SPDR SERIES TRUST | [BIL](https://holderbook.com/stocks/BIL/) | $10.5M | 114,558 | 5.8% | 7 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $6.5M | 181,064 | 3.6% | 7 |
| VANGUARD WORLD FD | [VGT](https://holderbook.com/stocks/VGT/) | $5.6M | 46,851 | 3.1% | 7 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $5.3M | 103,998 | 2.9% | 7 |
| CAPITAL GROUP DIVIDEND VALUE | [CGDV](https://holderbook.com/stocks/CGDV/) | $4.3M | 87,414 | 2.4% | 7 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $4.1M | 5,477 | 2.2% | 7 |
| SPDR SERIES TRUST | [SPYM](https://holderbook.com/stocks/SPYM/) | $3.7M | 42,418 | 2.0% | 1 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $3.5M | 12,119 | 1.9% | 7 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $3.3M | 8,856 | 1.8% | 7 |
| VANECK ETF TRUST | [HYD](https://holderbook.com/stocks/HYD/) | $3.1M | 60,534 | 1.7% | 7 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $3.0M | 42,724 | 1.7% | 7 |
| FRANKLIN TEMPLETON ETF TR | [FLJP](https://holderbook.com/stocks/FLJP/) | $3.0M | 74,643 | 1.6% | 1 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $3.0M | 49,464 | 1.6% | 7 |
| HARBOR ETF TRUST | [HGER](https://holderbook.com/stocks/HGER/) | $2.9M | 100,511 | 1.6% | 4 |
| ISHARES TR | [IEF](https://holderbook.com/stocks/IEF/) | $2.9M | 30,539 | 1.6% | 7 |
| PIMCO ETF TR | [MUNI](https://holderbook.com/stocks/MUNI/) | $2.7M | 51,965 | 1.5% | 7 |
| ISHARES TR | [SUB](https://holderbook.com/stocks/SUB/) | $2.7M | 25,395 | 1.5% | 7 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $2.4M | 30,185 | 1.3% | 7 |
| WORLD GOLD TR | [GLDM](https://holderbook.com/stocks/GLDM/) | $2.0M | 25,401 | 1.1% | 1 |
| VANGUARD INTL EQUITY INDEX F | [VT](https://holderbook.com/stocks/VT/) | $1.9M | 12,335 | 1.1% | 4 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $1.9M | 22,501 | 1.1% | 7 |
| GMO ETF TRUST | [QLTY](https://holderbook.com/stocks/QLTY/) | $1.9M | 45,368 | 1.0% | 7 |
| ARES CAPITAL CORP | [ARCC](https://holderbook.com/stocks/ARCC/) | $1.9M | 100,816 | 1.0% | 7 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $1.8M | 2,438 | 1.0% | 4 |
| SCHWAB STRATEGIC TR | [SCHI](https://holderbook.com/stocks/SCHI/) | $1.8M | 78,831 | 1.0% | 7 |
| FS CREDIT OPPORTUNITIES CORP | [FSCO](https://holderbook.com/stocks/FSCO/) | $1.7M | 349,900 | 1.0% | 7 |
| HORIZON FDS | [BENJ](https://holderbook.com/stocks/BENJ/) | $1.6M | 30,986 | 0.9% | 6 |
| ISHARES TR | [STIP](https://holderbook.com/stocks/STIP/) | $1.3M | 12,317 | 0.7% | 7 |
| CAPITAL GROUP CORE BALANCED | [CGBL](https://holderbook.com/stocks/CGBL/) | $1.2M | 32,835 | 0.7% | 7 |
| GRAYSCALE BITCOIN TRUST ETF | [GBTC](https://holderbook.com/stocks/GBTC/) | $1.2M | 26,973 | 0.7% | 7 |
| FS SPECIALTY LENDING FD | [FSSL](https://holderbook.com/stocks/FSSL/) | $1.2M | 107,241 | 0.7% | 3 |
| J P MORGAN EXCHANGE TRADED F | [JEPI](https://holderbook.com/stocks/JEPI/) | $1.1M | 19,243 | 0.6% | 4 |
| NEOS ETF TRUST | [SPYI](https://holderbook.com/stocks/SPYI/) | $1.1M | 20,450 | 0.6% | 2 |
| CAPITAL GROUP INTERNATIONAL | [CGIC](https://holderbook.com/stocks/CGIC/) | $1.1M | 29,818 | 0.6% | 4 |
| AMPLIFY ETF TR | [DIVO](https://holderbook.com/stocks/DIVO/) | $1.1M | 23,186 | 0.6% | 2 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $1.1M | 7,689 | 0.6% | 7 |
| CAPITAL GROUP CORE EQUITY ET | [CGUS](https://holderbook.com/stocks/CGUS/) | $1.0M | 23,523 | 0.6% | 7 |
| ISHARES TR | [GOVT](https://holderbook.com/stocks/GOVT/) | $990.1K | 43,465 | 0.5% | 7 |
| ARK 21SHARES BITCOIN ETF | [ARKB](https://holderbook.com/stocks/ARKB/) | $980.2K | 50,368 | 0.5% | 7 |
| CAPITAL GROUP GBL GROWTH EQT | [CGGO](https://holderbook.com/stocks/CGGO/) | $962.0K | 22,725 | 0.5% | 7 |
| FS KKR CAP CORP | [FSK](https://holderbook.com/stocks/FSK/) | $957.5K | 91,186 | 0.5% | 7 |
| INVESTMENT MANAGERS SER TR I | [FPAG](https://holderbook.com/stocks/FPAG/) | $939.9K | 23,413 | 0.5% | 5 |
| STRATEGY INC | [MSTR](https://holderbook.com/stocks/MSTR/) | $911.5K | 10,485 | 0.5% | 7 |
| PHILLIPS EDISON & CO INC | [PECO](https://holderbook.com/stocks/PECO/) | $903.2K | 21,700 | 0.5% | 7 |
| LOCKHEED MARTIN CORP | [LMT](https://holderbook.com/stocks/LMT/) | $894.6K | 1,756 | 0.5% | 7 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $885.3K | 7,096 | 0.5% | 2 |
| CAPITAL GRP FIXED INCM ETF T | [CGCP](https://holderbook.com/stocks/CGCP/) | $826.9K | 37,099 | 0.5% | 7 |
| USCF ETF TR | [SDCI](https://holderbook.com/stocks/SDCI/) | $797.3K | 30,154 | 0.4% | 2 |
| VERIZON COMMUNICATIONS INC | [VZ](https://holderbook.com/stocks/VZ/) | $735.0K | 17,359 | 0.4% | 7 |
| CAPITAL GROUP GROWTH ETF | [CGGR](https://holderbook.com/stocks/CGGR/) | $730.9K | 15,486 | 0.4% | 7 |
| HORIZON FDS | [HBTA](https://holderbook.com/stocks/HBTA/) | $730.5K | 22,346 | 0.4% | 6 |
| PALANTIR TECHNOLOGIES INC | [PLTR](https://holderbook.com/stocks/PLTR/) | $723.5K | 6,201 | 0.4% | 7 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $717.4K | 2,551 | 0.4% | 7 |
| TEXAS INSTRS INC | [TXN](https://holderbook.com/stocks/TXN/) | $698.7K | 2,344 | 0.4% | 7 |
| TAIWAN SEMICONDUCTOR MANUFAC | [TSM](https://holderbook.com/stocks/TSM/) | $685.3K | 1,435 | 0.4% | 7 |
| J P MORGAN EXCHANGE TRADED F | [JEPQ](https://holderbook.com/stocks/JEPQ/) | $649.9K | 10,574 | 0.4% | 2 |
| INTEL CORP | [INTC](https://holderbook.com/stocks/INTC/) | $602.9K | 4,318 | 0.3% | 1 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $590.3K | 2,346 | 0.3% | 7 |
| ARES MANAGEMENT CORPORATION | [ARES](https://holderbook.com/stocks/ARES/) | $576.2K | 5,177 | 0.3% | 7 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $564.4K | 1,128 | 0.3% | 7 |
| SNAP ON INC | [SNA](https://holderbook.com/stocks/SNA/) | $559.7K | 1,391 | 0.3% | 7 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $554.9K | 2,328 | 0.3% | 7 |
| QUALCOMM INC | [QCOM](https://holderbook.com/stocks/QCOM/) | $554.6K | 3,001 | 0.3% | 7 |
| ECOLAB INC | [ECL](https://holderbook.com/stocks/ECL/) | $546.9K | 1,963 | 0.3% | 7 |
| CONSOLIDATED EDISON INC | [ED](https://holderbook.com/stocks/ED/) | $542.7K | 4,905 | 0.3% | 7 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $511.0K | 2,554 | 0.3% | 7 |
| ONEOK INC NEW | [OKE](https://holderbook.com/stocks/OKE/) | $510.3K | 5,869 | 0.3% | 7 |
| GILEAD SCIENCES INC | [GILD](https://holderbook.com/stocks/GILD/) | $506.2K | 4,007 | 0.3% | 7 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $502.4K | 1,425 | 0.3% | 7 |
| WEC ENERGY GROUP INC | [WEC](https://holderbook.com/stocks/WEC/) | $500.5K | 4,286 | 0.3% | 7 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $499.8K | 18,044 | 0.3% | 7 |
| AIR PRODUCTS AND CHEMICALS I | [APD](https://holderbook.com/stocks/APD/) | $498.9K | 1,702 | 0.3% | 7 |
| RBB FUND TRUST | [FEGE](https://holderbook.com/stocks/FEGE/) | $491.5K | 10,048 | 0.3% | 2 |
| WATSCO INC | [WSO](https://holderbook.com/stocks/WSO/) | $482.9K | 1,159 | 0.3% | 7 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $469.2K | 1,115 | 0.3% | 7 |
| GE AEROSPACE | [GE](https://holderbook.com/stocks/GE/) | $467.4K | 1,251 | 0.3% | 6 |
| CIBUS INC | [CBUS](https://holderbook.com/stocks/CBUS/) | $462.7K | 337,710 | 0.3% | 7 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $460.7K | 1,947 | 0.3% | 7 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $448.9K | 601 | 0.2% | 7 |
| ASTRAZENECA PLC | [AZN](https://holderbook.com/stocks/AZN/) | $447.3K | 2,359 | 0.2% | 1 |
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $438.9K | 12,607 | 0.2% | 7 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $435.9K | 1,612 | 0.2% | 7 |
| BRITISH AMERN TOB PLC | [BTI](https://holderbook.com/stocks/BTI/) | $435.0K | 7,044 | 0.2% | 7 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $429.0K | 3,339 | 0.2% | 7 |
| THOMSON REUTERS CORP | [TRI](https://holderbook.com/stocks/TRI/) | $414.1K | 5,071 | 0.2% | 1 |
| ATMOS ENERGY CORP | [ATO](https://holderbook.com/stocks/ATO/) | $412.8K | 2,396 | 0.2% | 1 |
| FULL TRUCK ALLIANCE CO LTD | [YMM](https://holderbook.com/stocks/YMM/) | $395.7K | 48,727 | 0.2% | 1 |
| EXCHANGE LISTED FDS TR | [CEFS](https://holderbook.com/stocks/CEFS/) | $393.4K | 15,342 | 0.2% | 4 |
| REALTY INCOME CORP | [O](https://holderbook.com/stocks/O/) | $390.6K | 6,305 | 0.2% | 7 |
| GE VERNOVA INC | [GEV](https://holderbook.com/stocks/GEV/) | $384.3K | 327 | 0.2% | 3 |
| AUTOMATIC DATA PROCESSING IN | [ADP](https://holderbook.com/stocks/ADP/) | $384.0K | 1,715 | 0.2% | 7 |
| REPUBLIC SVCS INC | [RSG](https://holderbook.com/stocks/RSG/) | $378.4K | 1,776 | 0.2% | 7 |
| NEOS ETF TRUST | [QQQI](https://holderbook.com/stocks/QQQI/) | $375.6K | 6,614 | 0.2% | 1 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $373.6K | 1,471 | 0.2% | 7 |
| GLOBAL X FDS | [QYLG](https://holderbook.com/stocks/QYLG/) | $371.8K | 12,265 | 0.2% | 4 |
| MICRON TECHNOLOGY INC | [MU](https://holderbook.com/stocks/MU/) | $371.5K | 322 | 0.2% | 1 |
| SHELL PLC | [SHEL](https://holderbook.com/stocks/SHEL/) | $371.0K | 4,785 | 0.2% | 3 |

## 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 | +6.4% | +14.8% | -8.5% | 98% |
| Q1 2026 | -2.7% | -4.6% | +1.9% | 97% |
| Q4 2025 | +0.0% | +2.4% | -2.3% | 98% |
| Q3 2025 | +4.4% | +7.8% | -3.5% | 97% |
| Q2 2025 | +5.6% | +10.5% | -4.9% | 98% |
| Q1 2025 | -0.8% | -4.6% | +3.8% | 97% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $182.5M | 146 |
| Q1 2026 | $157.0M | 130 |
| Q4 2025 | $148.0M | 130 |
| Q3 2025 | $150.6M | 135 |
| Q2 2025 | $134.1M | 116 |
| Q1 2025 | $123.7M | 113 |
| Q4 2024 | $115.5M | 118 |