Lutz Financial Services LLC
Sector Allocation
- Other97.8%$1.6B
- Technology1.9%$30.9M
- Financials0.2%$2.9M
- Consumer Discretionary0.1%$1.1M
- Industrials0.0%$707,695
- Healthcare0.0%$407,806
- Consumer Staples0.0%$253,589
AUM History
13fpro.ai/research/fund/lutz-financial-services-llc-1737112
Conviction and streaks
Stable · top 10 = 59.1%From the fund's last 12 quarters of 13F filings: positions held longest at size, and names it added to or trimmed several quarters running.
Largest positions — Q2 2026
- VANGUARD$176.0M
- SPDR$151.8M
- ISHARES$124.6M
- VANGUARD$108.5M
- VANGUARD$84.2M
- SPDR$78.7M
- VANGUARD$71.3M
- SCHWAB$64.8M
- ISHARES$62.2M
SPY
$49.2M- DIMENSIONAL$41.2M
- ISHARES$38.5M
- DIMENSIONAL$31.0M
- ISHARES$28.9M
- SCHWAB$26.6M
- DIMENSIONAL$25.4M
- ISHARES$25.1M
- SCHWAB$24.8M
- ISHARES$23.7M
META
$21.4M
Top 20 stock positions. Options are left out: 13F reports them at the underlying's value.
13fpro.ai/research/fund/lutz-financial-services-llc-1737112
Lutz Financial Services LLC 13F holdings — Q2 2026
$1.6B portfolio (+10.4% QoQ) · 112 holdings · Q2 2026 13F · top 10 are 59% of the stock portfolio
- 1
VANGUARD INDEX FDS - S&P 500 ETF SHS
$176.0M
10.7% of stocks
+2%This quarter—Since filed—HeldAIQuality—Est. buy— - 2
SPDR SERIES TRUST - ST STR P500VAL
$151.8M
9.2% of stocks
+3%This quarter—Since filed—HeldAIQuality—Est. buy— - 3
ISHARES TR - CORE S&P MCP ETF
$124.6M
7.6% of stocks
+1%This quarter—Since filed—HeldAIQuality—Est. buy— - 4
VANGUARD BD INDEX FDS - TOTAL BND MRKT
$108.5M
6.6% of stocks
+3%This quarter—Since filed—HeldAIQuality—Est. buy— - 5
VANGUARD MUN BD FDS - TAX EXEMPT BD
$84.2M
5.1% of stocks
+6%This quarter—Since filed—HeldAIQuality—Est. buy— - 6
SPDR SERIES TRUST - ST STR SP400VAL
$78.7M
4.8% of stocks
+3%This quarter—Since filed—HeldAIQuality—Est. buy— - 7
VANGUARD SCOTTSDALE FDS - SHRT TRM CORP BD
$71.3M
4.3% of stocks
+5%This quarter—Since filed—HeldAIQuality—Est. buy— - 8
SCHWAB STRATEGIC TR - US TIPS ETF
$64.8M
4.0% of stocks
+4%This quarter—Since filed—HeldAIQuality—Est. buy— - 9
ISHARES TR - MBS ETF
$62.2M
3.8% of stocks
+4%This quarter—Since filed—HeldAIQuality—Est. buy— $49.2M
3.0% of stocks
-0.5%This quarter-0.6%Since filed10+ qtrsHeld
| # | Company | Value | Weight | This quarter | Since filed | Held | AI quality | Est. buy | |
|---|---|---|---|---|---|---|---|---|---|
| 1 | VANGUARD INDEX FDS - S&P 500 ETF SHS | $176.0M | 10.7% | +2% | — | — | — | — | |
| 2 | SPDR SERIES TRUST - ST STR P500VAL | $151.8M | 9.2% | +3% | — | — | — | — | |
| 3 | ISHARES TR - CORE S&P MCP ETF | $124.6M | 7.6% | +1% | — | — | — | — | |
| 4 | VANGUARD BD INDEX FDS - TOTAL BND MRKT | $108.5M | 6.6% | +3% | — | — | — | — | |
| 5 | VANGUARD MUN BD FDS - TAX EXEMPT BD | $84.2M | 5.1% | +6% | — | — | — | — | |
| 6 | SPDR SERIES TRUST - ST STR SP400VAL | $78.7M | 4.8% | +3% | — | — | — | — | |
| 7 | VANGUARD SCOTTSDALE FDS - SHRT TRM CORP BD | $71.3M | 4.3% | +5% | — | — | — | — | |
| 8 | SCHWAB STRATEGIC TR - US TIPS ETF | $64.8M | 4.0% | +4% | — | — | — | — | |
| 9 | ISHARES TR - MBS ETF | $62.2M | 3.8% | +4% | — | — | — | — | |
| 10 | $49.2M | 3.0% | -0.5% | -0.6% | 10+ qtrs | — | Estimated buy price is Pro: unlock with a free trial |
All holdings — Lutz Financial Services LLC (Q2 2026)
112 disclosed positions from the Form 13F-HR on SEC EDGAR, with quarter-over-quarter share changes. Largest by value first; the ten above are not repeated.
| # | Company | Held | Source | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 11 | — | DIMENSIONAL ETF TRUST - US COR EQU 2 ETFetf/fund | — | $41.2M | 2.5% | 928K | +0.9% | — | — | 13F |
| 12 | — | ISHARES TR - NATIONAL MUN ETFetf/fund | — | $38.5M | 2.3% | 357K | +1% | — | — | 13F |
| 13 | — | DIMENSIONAL ETF TRUST - INTL CORE EQUITYetf/fund | — | $31.0M | 1.9% | 833K | +5% | — | — | 13F |
| 14 | — | ISHARES TR - CORE S&P SCP ETFetf/fund | — | $28.9M | 1.8% | 195K | +2% | — | — | 13F |
| 15 | — | SCHWAB STRATEGIC TR - US LRG CAP ETFetf/fund | — | $26.6M | 1.6% | 902K | +1% | — | — | 13F |
| 16 | — | DIMENSIONAL ETF TRUST - US HIGH PROF ETFetf/fund | — | $25.4M | 1.6% | 609K | +5% | — | — | 13F |
| 17 | — | ISHARES TR - ISHS 1-5YR INVSetf/fund | — | $25.1M | 1.5% | 479K | +0.7% | — | — | 13F |
| 18 | — | SCHWAB STRATEGIC TR - US MID-CAP ETFetf/fund | — | $24.8M | 1.5% | 672K | -0.9% | — | — | 13F |
| 19 | — | ISHARES TR - S&P 500 VAL ETFetf/fund | — | $23.7M | 1.4% | 104K | -1% | — | — | 13F |
| 20 | Meta Platforms, Inc.note | Technology | $21.4M | 1.3% | 275K | +4% | 10+ qtrs | 78.0 | 13F | |
| 21 | — | ISHARES TR - CORE US AGGBD ETetf/fund | — | $20.7M | 1.3% | 209K | -0.1% | — | — | 13F |
| 22 | — | DIMENSIONAL ETF TRUST - US SMALL CAP ETFetf/fund | — | $19.6M | 1.2% | 238K | -0.2% | — | — | 13F |
| 23 | — | VANGUARD INDEX FDS - VALUE ETFetf/fund | — | $18.5M | 1.1% | 85K | +0.0% | — | — | 13F |
| 24 | — | ISHARES TR - MSCI USA QLT FCTetf/fund | — | $17.7M | 1.1% | 81K | -0.3% | — | — | 13F |
| 25 | — | ISHARES TR - CORE S&P500 ETFetf/fund | — | $17.6M | 1.1% | 24K | -1% | — | — | 13F |
| 26 | — | VANGUARD INDEX FDS - MCAP VL IDXVIP | — | $17.6M | 1.1% | 89K | -0.9% | |||
| 27 | — | ISHARES TR - S&P MC 400VL ETF | — | $17.5M | 1.1% | 118K | -0.4% | |||
| 28 | — | VANGUARD ADMIRAL FDS INC - 500 VAL IDX FD | — | $15.7M | 1.0% | 72K | -0.8% | |||
| 29 | — | AMERICAN CENTY ETF TR - US SML CP VALU | — | $15.3M | 0.9% | 123K | +4% | |||
| 30 | — | SPDR SERIES TRUST - ST STR SP600SM C | — | $14.9M | 0.9% | 136K | -2% | |||
| 31 | — | ISHARES TR - TIPS BD ETF | — | $14.2M | 0.9% | 130K | -0.7% | |||
| 32 | — | SCHWAB STRATEGIC TR - US SML CAP ETF | — | $14.1M | 0.9% | 390K | -1% | |||
| 33 | — | VANGUARD ADMIRAL FDS INC - MIDCP 400 VAL | — | $13.0M | 0.8% | 114K | -0.7% | |||
| 34 | — | AMERICAN CENTY ETF TR - INTL EQT ETF | — | $12.9M | 0.8% | 145K | -2% | |||
| 35 | $MDY | SPDR S&P MIDCAP 400 ETF TRUST | — | $12.8M | 0.8% | 18K | -0.1% | |||
| 36 | — | ISHARES TR - CORE S&P US VLU | — | $12.1M | 0.7% | 110K | -1% | |||
| 37 | — | DIMENSIONAL ETF TRUST - US TARGETED VLU | — | $10.4M | 0.6% | 148K | -0.7% | |||
| 38 | — | DIMENSIONAL ETF TRUST - EMERGING MKTS CO | — | $10.3M | 0.6% | 254K | +4% | |||
| 39 | — | ISHARES TR - 0-5 YR TIPS ETF | — | $9.3M | 0.6% | 92K | +2% | |||
| 40 | — | DIMENSIONAL ETF TRUST - US MKTWIDE VALUE | — | $8.2M | 0.5% | 148K | -2% | |||
| 41 | — | ISHARES INC - CORE MSCI EMKT | — | $7.3M | 0.5% | 88K | -0.7% | |||
| 42 | — | ISHARES TR - SHRT NAT MUN ETF | — | $5.9M | 0.4% | 55K | -4% | |||
| 43 | — | VANGUARD INDEX FDS - SM CP VAL ETF | — | $5.8M | 0.3% | 24K | -0.2% | |||
| 44 | — | ISHARES TR - SP SMCP600VL ETF | — | $5.8M | 0.3% | 43K | +0.7% | |||
| 45 | — | ISHARES TR - RUSSELL 3000 ETF | — | $5.1M | 0.3% | 12K | — | |||
| 46 | — | VANGUARD INTL EQUITY INDEX F - FTSE EMR MKT ETF | — | $4.6M | 0.3% | 78K | +0.1% | |||
| 47 | — | ISHARES TR - CORE 1 5 YR USD | — | $4.6M | 0.3% | 96K | +1% | |||
| 48 | — | PIMCO ETF TR - 1-5 US TIP IDX | — | $4.1M | 0.3% | 77K | — | |||
| 49 | — | VANGUARD MALVERN FDS - STRM INFPROIDX | — | $3.6M | 0.2% | 73K | -4% | |||
| 50 | — | ISHARES TR - RUS 1000 ETF | — | $2.8M | 0.2% | 6,880 | -4% | |||
| 51 | $NVDA | NVIDIA CORP | Technology | $2.2M | 0.1% | 11K | +8% | |||
| 52 | — | VANGUARD TAX-MANAGED FDS - VAN FTSE DEV MKT | — | $2.2M | 0.1% | 31K | — | |||
| 53 | — | VANGUARD SCOTTSDALE FDS - MTG-BKD SECS ETF | — | $1.9M | 0.1% | 40K | -5% | |||
| 54 | $AAPL | Apple Inc. | Technology | $1.8M | 0.1% | 6,200 | +2% | |||
| 55 | — | SCHWAB STRATEGIC TR - FUNDAMENTAL INTL | — | $1.7M | 0.1% | 31K | -0.7% | |||
| 56 | — | VANGUARD INDEX FDS - REAL ESTATE ETF | — | $1.6M | 0.1% | 16K | +0.0% | |||
| 57 | — | DIMENSIONAL ETF TRUST - INTERNATNAL VAL | — | $1.6M | 0.1% | 29K | -0.2% | |||
| 58 | — | VANGUARD INDEX FDS - TOTAL STK MKT | — | $1.3M | 0.1% | 3,537 | +2% | |||
| 59 | — | ISHARES TR - RUSSELL 2000 ETF | — | $1.3M | 0.1% | 4,200 | — | |||
| 60 | — | VANGUARD INDEX FDS - LARGE CAP ETF | — | $1.2M | 0.1% | 3,628 | -1% | |||
| 61 | — | VANGUARD INDEX FDS - MID CAP ETF | — | $1.2M | 0.1% | 15K | +288% | |||
| 62 | $MSFT | MICROSOFT CORP | Technology | $1.2M | 0.1% | 3,084 | -0.5% | |||
| 63 | — | ISHARES TR - RUS 1000 VAL ETF | — | $972K | 0.1% | 4,010 | — | |||
| 64 | — | VANGUARD SPECIALIZED FUNDS - DIV APP ETF | — | $959K | 0.1% | 4,051 | — | |||
| 65 | $AMZN | AMAZON COM INC | Consumer Discretionary | $873K | 0.1% | 3,664 | +6% | |||
| 66 | — | DIMENSIONAL ETF TRUST - SHOR DUR FIX ETF | — | $872K | 0.1% | 18K | -8% | |||
| 67 | — | ISHARES TR - MSCI EAFE ETF | — | $829K | 0.1% | 7,979 | -2% | |||
| 68 | — | VANGUARD INDEX FDS - SMALL CP ETF | — | $770K | 0.1% | 2,541 | — | |||
| 69 | $BRK.A | BERKSHIRE HATHAWAY INC | Financials | $749K | 0.1% | 1 | — | |||
| 70 | $WT | WisdomTree, Inc. | Financials | $718K | 0.0% | 7,456 | — | |||
| 71 | $BRK.B | BERKSHIRE HATHAWAY INC | Financials | $718K | 0.0% | 1,435 | +6% | |||
| 72 | $GOOGL | Alphabet Inc. | Technology | $714K | 0.0% | 1,998 | -7% | |||
| 73 | — | SCHWAB STRATEGIC TR - US LCAP GR ETF | — | $655K | 0.0% | 19K | +0.1% | |||
| 74 | — | SPDR SERIES TRUST - ST STR P400MID | — | $626K | 0.0% | 9,264 | — | |||
| 75 | $GOOG | Alphabet Inc. | Technology | $599K | 0.0% | 1,694 | -4% | |||
| 76 | $MU | MICRON TECHNOLOGY INC | Technology | $589K | 0.0% | 510 | New | |||
| 77 | — | DBX ETF TR - XTRACK MSCI EAFE | — | $572K | 0.0% | 10K | — | |||
| 78 | — | AMERICAN CENTY ETF TR - US EQT ETF | — | $538K | 0.0% | 4,204 | -0.7% | |||
| 79 | — | AMERICAN CENTY ETF TR - INTL SMCP VLU | — | $533K | 0.0% | 5,170 | +1.0% | |||
| 80 | $AVGO | Broadcom Inc. | Technology | $531K | 0.0% | 1,407 | +3% | |||
| 81 | $META | Meta Platforms, Inc. | Technology | $517K | 0.0% | 918 | +16% | |||
| 82 | $DOV | DOVER Corp | Industrials | $486K | 0.0% | 3,098 | -3% | |||
| 83 | — | DIMENSIONAL ETF TRUST - US SMALL CAP ETF | — | $479K | 0.0% | 12K | +0.3% | |||
| 84 | $JPM | JPMORGAN CHASE & CO | Financials | $462K | 0.0% | 1,411 | -0.4% | |||
| 85 | — | ISHARES TR - RUS 2000 VAL ETF | — | $449K | 0.0% | 2,031 | -16% | |||
| 86 | — | DIMENSIONAL ETF TRUST - CORE FIXE IN ETF | — | $446K | 0.0% | 11K | -5% | |||
| 87 | — | ISHARES TR - RUS MID CAP ETF | — | $436K | 0.0% | 3,949 | -3% | |||
| 88 | — | SCHWAB STRATEGIC TR - INTL EQTY ETF | — | $414K | 0.0% | 15K | — | |||
| 89 | $LLY | ELI LILLY & Co | Healthcare | $408K | 0.0% | 340 | -0.6% | |||
| 90 | — | SPDR INDEX SHS FDS - ST STR MSCI EM | — | $401K | 0.0% | 5,015 | — | |||
| 91 | — | AMERICAN CENTY ETF TR - US LARGE CAP VLU | — | $399K | 0.0% | 4,376 | -3% | |||
| 92 | $QQQ | INVESCO QQQ TRUST, SERIES 1 | — | $397K | 0.0% | 539 | — | |||
| 93 | — | ISHARES TR - MORNINGSTR US EQ | — | $343K | 0.0% | 3,306 | — | |||
| 94 | — | VANGUARD SCOTTSDALE FDS - INT-TERM CORP | — | $305K | 0.0% | 3,686 | +2% | |||
| 95 | — | SPDR SERIES TRUST - ST STR R1K YLD | — | $294K | 0.0% | 2,295 | — | |||
| 96 | — | VANGUARD INDEX FDS - GROWTH ETF | — | $290K | 0.0% | 3,369 | +499% | |||
| 97 | — | SCHWAB STRATEGIC TR - US LCAP VA ETF | — | $288K | 0.0% | 8,275 | — | |||
| 98 | — | SPDR INDEX SHS FDS - ST PORT MARK ETF | — | $278K | 0.0% | 5,371 | +11% | |||
| 99 | — | AMERICAN CENTY ETF TR - AVANTIS EMGMKT | — | $267K | 0.0% | 2,767 | +0.0% | |||
| 100 | $AMD | ADVANCED MICRO DEVICES INC | Technology | $257K | 0.0% | 443 | New | |||
| 101 | $WMT | Walmart Inc. | Consumer Staples | $254K | 0.0% | 2,239 | +0.4% | |||
| 102 | $WDC | WESTERN DIGITAL CORP | Technology | $244K | 0.0% | 382 | New | |||
| 103 | $INTC | INTEL CORP | Technology | $238K | 0.0% | 1,707 | New | |||
| 104 | $TSLA | Tesla, Inc. | Consumer Discretionary | $237K | 0.0% | 564 | New | |||
| 105 | — | DIMENSIONAL ETF TRUST - US LARG VALU ETF | — | $236K | 0.0% | 5,972 | New | |||
| 106 | $LRCX | LAM RESEARCH CORP | Technology | $236K | 0.0% | 544 | New | |||
| 107 | $CAT | CATERPILLAR INC | Industrials | $221K | 0.0% | 208 | New | |||
| 108 | $AMAT | APPLIED MATERIALS INC /DE | Technology | $218K | 0.0% | 301 | New | |||
| 109 | $V | VISA INC. | Financials | $218K | 0.0% | 634 | New | |||
| 110 | $SNDK | Sandisk Corp | Technology | $216K | 0.0% | 95 | New | |||
| 111 | — | VANGUARD ADMIRAL FDS INC - MIDCP 400 IDX | — | $214K | 0.0% | 1,638 | New | |||
| 112 | — | ISHARES TR - ISHS 5-10YR INVT | — | $213K | 0.0% | 4,007 | — |
What changed in Q2 2026
Against the previous quarter's 13F: 12 new, 41 added to, 41 trimmed, 0 sold out. Share-count changes; largest moves by dollar size first.
New positions (12)
$MUMICRON TECHNOLOGY INC$589K
first bought this quarter
$AMDADVANCED MICRO DEVICES INC$257K
first bought this quarter
$WDCWESTERN DIGITAL CORP$244K
first bought this quarter
$INTCINTEL CORP$238K
first bought this quarter
$TSLATesla, Inc.$237K
first bought this quarter
- DIMENSIONAL ETF TRUST - US LARG VALU ETF$236K
first bought this quarter
+6 more in the Excel export
Added to (41)
- VANGUARD MUN BD FDS - TAX EXEMPT BD+6%
now $84.2M
- SPDR SERIES TRUST - ST STR P500VAL+3%
now $151.8M
- VANGUARD BD INDEX FDS - TOTAL BND MRKT+3%
now $108.5M
- VANGUARD SCOTTSDALE FDS - SHRT TRM CORP BD+5%
now $71.3M
- VANGUARD INDEX FDS - S&P 500 ETF SHS+2%
now $176.0M
- SCHWAB STRATEGIC TR - US TIPS ETF+4%
now $64.8M
+35 more in the Excel export
Trimmed (41)
- ISHARES TR - S&P 500 VAL ETF-1%
now $23.7M
- AMERICAN CENTY ETF TR - INTL EQT ETF-2%
now $12.9M
now $49.2M · held 10+ qtrs
- SPDR SERIES TRUST - ST STR SP600SM C-2%
now $14.9M
- ISHARES TR - SHRT NAT MUN ETF-4%
now $5.9M
- SCHWAB STRATEGIC TR - US MID-CAP ETF-0.9%
now $24.8M
+35 more in the Excel export
Sold out (0)
No positions sold out this quarter.
Holdings by quarter
Every 13F Lutz Financial Services LLC has filed, 34 earlier quarters. Pick one to see what it held then.
Is it too late to follow Lutz Financial Services?
Q2 2026 13F filed with the SEC on Aug 5, 2026. Prices are closing prices as of Oct 26, 2026.
Average quality of Lutz Financial Services's top 20 holdings: 78/100 (our AI quality score, weighted by position size; 17 of the 20 are scored)
Top 10 since filing
+0.8%
Value-weighted move of the 10 largest stock positions
Turnover
0%
Last quarter; 2% over the last 4
Top 10 weight
59%
Share of the stock portfolio in its 10 largest positions
Held 4+ quarters
97%
Share of portfolio value in positions held a year or more
Highest-quality names it owns(among its 100 largest positions)
The 8 highest-scoring companies in this portfolio are a Pro feature.
How these are measured
- Moves since the quarter-end and since the filing date use our own daily closing prices, from the close on (or just before) each date to the latest close.
- Turnover is the lesser of shares bought or sold in a quarter, valued at the quarter-end prices in the 13F, divided by the average of the two quarters' stock portfolio values.
- Quarters held and add/trim streaks count back only through quarters whose filed holdings add up to the filing's own cover-page total (back to Q1 2024 for this fund). A change counts as an add or a trim when the split-adjusted share count moves by more than 1%.
- Estimate, not the fund's reported cost. For each quarter in the current holding period in which the fund's share count rose (split-adjusted), we take that quarter's average daily close and weight it by the shares added; sales do not change an average cost. Quarters where the stock's price history and the 13F's own implied price disagree by more than 2x are left out.
- Put and call option rows report the value of the underlying shares, not a position the fund paid for, so they are left out of all of the above.
Portfolio Overview
Lutz Financial Services LLC disclosed 112 positions worth $1.6B in its Form 13F-HR for Q2 2026. During the quarter the fund opened 12 new positions and exited 0 — including a new stake in $MU. The portfolio is most concentrated in Other (97.8% of disclosed assets). All figures are sourced directly from Lutz Financial Services LLC’s Form 13F-HR filing with the SEC under CIK 1737112.
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AI-Powered Hedge Fund Analysis: Lutz Financial Services LLC
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Every holding in Lutz Financial Services LLC's portfolio is scored on an AI quality ranking built from its SEC filings (ROIC, FCF margin, revenue growth, institutional flow, earnings quality, shareholder dilution, and more). Track accumulation and distribution quarter over quarter, identify conviction positions, and see AI stock analysis for each position — alongside 8,700+ other institutional filers and 2,800+ AI-ranked companies.