# Carter Financial, LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 2115533. Source: https://holderbook.com/funds/2115533-carter-financial-llc/

- Reported value: $133.4M
- Positions: 33
- Weight of the ten largest: 90.8%
- Filed: 2026-08-13

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 | [VUG](https://holderbook.com/stocks/VUG/) | $33.2M | 385,809 | 24.9% | 3 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $27.6M | 74,694 | 20.7% | 3 |
| CAPITAL GROUP DIVIDEND VALUE | [CGDV](https://holderbook.com/stocks/CGDV/) | $20.2M | 409,548 | 15.1% | 3 |
| FIRST TR EXCHANGE-TRADED FD | [LMBS](https://holderbook.com/stocks/LMBS/) | $13.5M | 271,854 | 10.1% | 3 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $11.4M | 52,230 | 8.5% | 3 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $6.5M | 21,353 | 4.9% | 3 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $2.8M | 28,749 | 2.1% | 3 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $2.2M | 3,150 | 1.6% | 3 |
| J P MORGAN EXCHANGE TRADED F | [JMST](https://holderbook.com/stocks/JMST/) | $2.0M | 40,016 | 1.5% | 3 |
| J P MORGAN EXCHANGE TRADED F | [JMUB](https://holderbook.com/stocks/JMUB/) | $1.6M | 32,518 | 1.2% | 3 |
| SCHWAB STRATEGIC TR | [FNDF](https://holderbook.com/stocks/FNDF/) | $1.6M | 30,914 | 1.2% | 3 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $1.6M | 5,461 | 1.2% | 3 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $1.4M | 16,014 | 1.0% | 3 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $1.0M | 20,273 | 0.8% | 3 |
| GLOBAL X FDS | [CATH](https://holderbook.com/stocks/CATH/) | $671.9K | 7,593 | 0.5% | 3 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $596.6K | 1,739 | 0.4% | 3 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $568.1K | 16,788 | 0.4% | 2 |
| J P MORGAN EXCHANGE TRADED F | [JPST](https://holderbook.com/stocks/JPST/) | $536.1K | 10,602 | 0.4% | 2 |
| SEMPRA | [SRE](https://holderbook.com/stocks/SRE/) | $377.9K | 4,076 | 0.3% | 3 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $344.8K | 689 | 0.3% | 3 |
| CAPITAL GROUP INTL FOCUS EQT | [CGXU](https://holderbook.com/stocks/CGXU/) | $334.5K | 9,663 | 0.3% | 3 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $332.6K | 11,484 | 0.2% | 3 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $329.4K | 4,294 | 0.2% | 3 |
| FIRST TR EXCHANGE-TRADED FD | [SDVY](https://holderbook.com/stocks/SDVY/) | $327.7K | 7,597 | 0.2% | 2 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $319.5K | 300 | 0.2% | 2 |
| J P MORGAN EXCHANGE TRADED F | [JBND](https://holderbook.com/stocks/JBND/) | $313.1K | 5,853 | 0.2% | 1 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $261.6K | 8,251 | 0.2% | 2 |
| FIRST TR EXCHNG TRADED FD VI | [BUFR](https://holderbook.com/stocks/BUFR/) | $256.3K | 7,017 | 0.2% | 3 |
| ISHARES TR | [USMV](https://holderbook.com/stocks/USMV/) | $249.8K | 2,590 | 0.2% | 1 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $236.5K | 634 | 0.2% | 3 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $216.9K | 862 | 0.2% | 1 |
| FIFTH THIRD BANCORP | [FITB](https://holderbook.com/stocks/FITB/) | $210.2K | 3,729 | 0.2% | 1 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $202.8K | 575 | 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 | +13.1% | +14.8% | -1.7% | 100% |
| Q1 2026 | -4.2% | -4.6% | +0.4% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $133.4M | 33 |
| Q1 2026 | $115.0M | 28 |
| Q4 2025 | $113.3M | 24 |