# CDM FINANCIAL COUNSELING SERVICES, INC.

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 2107537. Source: https://holderbook.com/funds/2107537-cdm-financial-counseling-services-inc/

- Reported value: $116.1M
- Positions: 77
- Weight of the ten largest: 52.2%
- Filed: 2026-07-14

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 |
|---|---|---|---|---|---|
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $13.9M | 18,592 | 12.0% | 3 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $12.2M | 64,098 | 10.5% | 3 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $7.3M | 19,733 | 6.3% | 3 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $6.1M | 25,926 | 5.3% | 3 |
| VANGUARD WORLD FD | [MGK](https://holderbook.com/stocks/MGK/) | $4.1M | 47,114 | 3.6% | 3 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $3.8M | 23,768 | 3.2% | 3 |
| SELECT SECTOR SPDR TR | [XLC](https://holderbook.com/stocks/XLC/) | $3.6M | 33,659 | 3.1% | 3 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $3.4M | 9,123 | 2.9% | 3 |
| ISHARES TR | [SOXX](https://holderbook.com/stocks/SOXX/) | $3.3M | 5,210 | 2.9% | 3 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $2.7M | 31,861 | 2.4% | 3 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $2.6M | 3,747 | 2.2% | 3 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $2.4M | 3,198 | 2.1% | 3 |
| SELECT SECTOR SPDR TR | [XLY](https://holderbook.com/stocks/XLY/) | $2.4M | 20,065 | 2.0% | 3 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $2.3M | 2,145 | 2.0% | 3 |
| RTX CORPORATION | [RTX](https://holderbook.com/stocks/RTX/) | $1.9M | 9,777 | 1.6% | 3 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $1.8M | 5,306 | 1.6% | 3 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $1.8M | 3,605 | 1.6% | 3 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $1.8M | 5,102 | 1.6% | 3 |
| VANECK ETF TRUST | [SMH](https://holderbook.com/stocks/SMH/) | $1.8M | 2,690 | 1.5% | 3 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $1.7M | 2,300 | 1.5% | 3 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $1.6M | 5,696 | 1.4% | 3 |
| MARRIOTT INTL INC NEW | [MAR](https://holderbook.com/stocks/MAR/) | $1.6M | 4,189 | 1.3% | 3 |
| SELECT SECTOR SPDR TR | [XLU](https://holderbook.com/stocks/XLU/) | $1.5M | 33,703 | 1.3% | 3 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $1.5M | 6,359 | 1.3% | 3 |
| PHILIP MORRIS INTL INC | [PM](https://holderbook.com/stocks/PM/) | $1.3M | 7,447 | 1.2% | 3 |
| INVESCO EXCH TRADED FD TR II | [QQQM](https://holderbook.com/stocks/QQQM/) | $1.2M | 4,032 | 1.1% | 3 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $1.2M | 3,402 | 1.0% | 3 |
| UNION PAC CORP | [UNP](https://holderbook.com/stocks/UNP/) | $944.7K | 3,473 | 0.8% | 3 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $830.5K | 2,357 | 0.7% | 3 |
| FIDELITY COVINGTON TRUST | [FDVV](https://holderbook.com/stocks/FDVV/) | $820.6K | 13,610 | 0.7% | 3 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $809.6K | 3,805 | 0.7% | 3 |
| STATE STR SPDR S&P MIDCAP 40 | [MDY](https://holderbook.com/stocks/MDY/) | $802.4K | 1,141 | 0.7% | 3 |
| ASML HLDG NV | [ASML](https://holderbook.com/stocks/ASML/) | $793.6K | 398 | 0.7% | 3 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $763.7K | 24,085 | 0.7% | 3 |
| BERKSHIRE HATHAWAY INC DEL | [BRKA](https://holderbook.com/stocks/BRKA/) | $748.9K | 1 | 0.6% | 3 |
| MASTERCARD INCORPORATED | [MA](https://holderbook.com/stocks/MA/) | $747.4K | 1,455 | 0.6% | 3 |
| WISDOMTREE TR | [DGRW](https://holderbook.com/stocks/DGRW/) | $663.8K | 6,942 | 0.6% | 3 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $644.7K | 2,385 | 0.6% | 3 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $633.1K | 1,934 | 0.5% | 3 |
| NORFOLK SOUTHN CORP | [NSC](https://holderbook.com/stocks/NSC/) | $629.9K | 2,002 | 0.5% | 3 |
| SELECT SECTOR SPDR TR | [XLV](https://holderbook.com/stocks/XLV/) | $617.6K | 3,893 | 0.5% | 3 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $601.1K | 2,367 | 0.5% | 3 |
| DEERE & CO | [DE](https://holderbook.com/stocks/DE/) | $585.8K | 924 | 0.5% | 3 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $579.3K | 483 | 0.5% | 3 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $562.3K | 6,919 | 0.5% | 3 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $560.9K | 2,803 | 0.5% | 3 |
| AMERICAN EXPRESS CO | [AXP](https://holderbook.com/stocks/AXP/) | $542.1K | 1,603 | 0.5% | 3 |
| PROLOGIS INC. | [PLD](https://holderbook.com/stocks/PLD/) | $539.7K | 3,984 | 0.5% | 3 |
| STARBUCKS CORP | [SBUX](https://holderbook.com/stocks/SBUX/) | $528.9K | 5,176 | 0.5% | 3 |
| THERMO FISHER SCIENTIFIC INC | [TMO](https://holderbook.com/stocks/TMO/) | $527.8K | 1,053 | 0.5% | 3 |
| YUM BRANDS INC | [YUM](https://holderbook.com/stocks/YUM/) | $523.7K | 3,276 | 0.5% | 3 |
| CSX CORP | [CSX](https://holderbook.com/stocks/CSX/) | $523.0K | 11,003 | 0.5% | 3 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $513.2K | 911 | 0.4% | 3 |
| FIDELITY COVINGTON TRUST | [FDRR](https://holderbook.com/stocks/FDRR/) | $509.3K | 7,850 | 0.4% | 3 |
| GARMIN LTD | [GRMN](https://holderbook.com/stocks/GRMN/) | $487.0K | 2,050 | 0.4% | 3 |
| MORGAN STANLEY | [MS](https://holderbook.com/stocks/MS/) | $459.3K | 2,197 | 0.4% | 3 |
| FIDELITY COVINGTON TRUST | [FHLC](https://holderbook.com/stocks/FHLC/) | $457.1K | 5,918 | 0.4% | 3 |
| GOLDMAN SACHS GROUP INC | [GS](https://holderbook.com/stocks/GS/) | $438.9K | 434 | 0.4% | 3 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $413.5K | 14,280 | 0.4% | 3 |
| INVESCO EXCHANGE TRADED FD T | [XLG](https://holderbook.com/stocks/XLG/) | $398.0K | 6,500 | 0.3% | 3 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $378.4K | 3,341 | 0.3% | 3 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $370.4K | 396 | 0.3% | 3 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $367.5K | 1,004 | 0.3% | 3 |
| VANGUARD INDEX FDS | [VXF](https://holderbook.com/stocks/VXF/) | $358.5K | 1,456 | 0.3% | 3 |
| VANGUARD INDEX FDS | [VOT](https://holderbook.com/stocks/VOT/) | $350.7K | 1,145 | 0.3% | 3 |
| MONSTER BEVERAGE CORP NEW | [MNST](https://holderbook.com/stocks/MNST/) | $336.4K | 3,500 | 0.3% | 3 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $309.0K | 2,975 | 0.3% | 3 |
| LOCKHEED MARTIN CORP | [LMT](https://holderbook.com/stocks/LMT/) | $298.0K | 585 | 0.3% | 3 |
| NEXTERA ENERGY INC | [NEE](https://holderbook.com/stocks/NEE/) | $294.3K | 3,353 | 0.3% | 3 |
| INTERCONTINENTAL EXCHANGE IN | [ICE](https://holderbook.com/stocks/ICE/) | $268.6K | 2,181 | 0.2% | 3 |
| GENERAL DYNAMICS CORP | [GD](https://holderbook.com/stocks/GD/) | $263.4K | 743 | 0.2% | 3 |
| ALPS ETF TR | [AMLP](https://holderbook.com/stocks/AMLP/) | $245.9K | 4,743 | 0.2% | 3 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $234.3K | 8,459 | 0.2% | 3 |
| VANGUARD ADMIRAL FDS INC | [VOOG](https://holderbook.com/stocks/VOOG/) | $229.7K | 2,780 | 0.2% | 1 |
| AUTOMATIC DATA PROCESSING IN | [ADP](https://holderbook.com/stocks/ADP/) | $229.5K | 1,025 | 0.2% | 3 |
| ADVANCED MICRO DEVICES INC | [AMD](https://holderbook.com/stocks/AMD/) | $214.9K | 370 | 0.2% | 3 |
| EA SERIES TRUST | [STXF](https://holderbook.com/stocks/STXF/) | $206.2K | 4,270 | 0.2% | 1 |

## 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 | +16.6% | +14.8% | +1.8% | 100% |
| Q1 2026 | -3.9% | -4.6% | +0.8% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $116.1M | 77 |
| Q1 2026 | $104.5M | 80 |
| Q4 2025 | $106.8M | 81 |