OLIO Financial Planning
Sector Allocation
- Other95.7%$384.8M
- Technology2.1%$8.5M
- Financials1.0%$4.2M
- Consumer Discretionary0.2%$886,476
- Consumer Staples0.2%$664,110
- Industrials0.2%$656,190
- Energy0.1%$586,904
- Healthcare0.1%$477,791
- Real Estate0.1%$417,594
- Materials0.1%$416,032
AUM History
13fpro.ai/research/fund/olio-financial-planning-1906766
Conviction and streaks
Stable · top 10 = 87.9%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 — Q3 2026
- DIMENSIONAL$73.9M
- VANGUARD$73.6M
- VANGUARD$58.8M
- FIDELITY$48.8M
- VANGUARD$41.2M
- VANGUARD$20.4M
- DIMENSIONAL$15.7M
- VANGUARD$11.2M
- SCHWAB$5.2M
- VANGUARD$4.2M
- SPDR$3.8M
AAPL
$3.5M- SPDR$3.0M
- VANGUARD$3.0M
- ISHARES$2.2M
- VANGUARD$2.2M
- VANGUARD$2.1M
- ISHARES$1.7M
- VANGUARD$1.6M
- VANGUARD$1.4M
Top 20 stock positions. Options are left out: 13F reports them at the underlying's value.
13fpro.ai/research/fund/olio-financial-planning-1906766
OLIO Financial Planning 13F holdings — Q3 2026
$401.9M portfolio (-0.3% QoQ) · 70 holdings · Q3 2026 13F · top 10 are 88% of the stock portfolio
- 1
DIMENSIONAL ETF TRUST - US EQUI MARK ETF
$73.9M
18.4% of stocks
-0.8%This quarter—Since filed—HeldAIQuality—Est. buy— - 2
VANGUARD INDEX FDS - MRNGSTR VAL ETF
$73.6M
18.3% of stocks
+0.3%This quarter—Since filed—HeldAIQuality—Est. buy— - 3
VANGUARD TAX-MANAGED FDS - VAN FTSE DEV MKT
$58.8M
14.6% of stocks
+0.2%This quarter—Since filed—HeldAIQuality—Est. buy— - 4
FIDELITY MERRIMACK STR TR - TOTAL BD ETF
$48.8M
12.1% of stocks
+4%This quarter—Since filed—HeldAIQuality—Est. buy— - 5
VANGUARD INDEX FDS - MRNGSTR TTL STK
$41.2M
10.3% of stocks
-2%This quarter—Since filed—HeldAIQuality—Est. buy— - 6
VANGUARD INDEX FDS - MRNGSTR MD CP VA
$20.4M
5.1% of stocks
+2%This quarter—Since filed—HeldAIQuality—Est. buy— - 7
DIMENSIONAL ETF TRUST - US TARGETED VLU
$15.7M
3.9% of stocks
+0.9%This quarter—Since filed—HeldAIQuality—Est. buy— - 8
VANGUARD INTL EQUITY INDEX F - ALLWRLD EX US
$11.2M
2.8% of stocks
-7%This quarter—Since filed—HeldAIQuality—Est. buy— - 9
SCHWAB STRATEGIC TR - US DIVIDEND EQ
$5.2M
1.3% of stocks
-0.7%This quarter—Since filed—HeldAIQuality—Est. buy— - 10
VANGUARD MUN BD FDS - TAX EXEMPT BD
$4.2M
1.1% of stocks
+4%This quarter—Since filed—HeldAIQuality—Est. buy—
| # | Company | Value | Weight | This quarter | Since filed | Held | AI quality | Est. buy | |
|---|---|---|---|---|---|---|---|---|---|
| 1 | DIMENSIONAL ETF TRUST - US EQUI MARK ETF | $73.9M | 18.4% | -0.8% | — | — | — | — | |
| 2 | VANGUARD INDEX FDS - MRNGSTR VAL ETF | $73.6M | 18.3% | +0.3% | — | — | — | — | |
| 3 | VANGUARD TAX-MANAGED FDS - VAN FTSE DEV MKT | $58.8M | 14.6% | +0.2% | — | — | — | — | |
| 4 | FIDELITY MERRIMACK STR TR - TOTAL BD ETF | $48.8M | 12.1% | +4% | — | — | — | — | |
| 5 | VANGUARD INDEX FDS - MRNGSTR TTL STK | $41.2M | 10.3% | -2% | — | — | — | — | |
| 6 | VANGUARD INDEX FDS - MRNGSTR MD CP VA | $20.4M | 5.1% | +2% | — | — | — | — | |
| 7 | DIMENSIONAL ETF TRUST - US TARGETED VLU | $15.7M | 3.9% | +0.9% | — | — | — | — | |
| 8 | VANGUARD INTL EQUITY INDEX F - ALLWRLD EX US | $11.2M | 2.8% | -7% | — | — | — | — | |
| 9 | SCHWAB STRATEGIC TR - US DIVIDEND EQ | $5.2M | 1.3% | -0.7% | — | — | — | — | |
| 10 | VANGUARD MUN BD FDS - TAX EXEMPT BD | $4.2M | 1.1% | +4% | — | — | — | — |
All holdings — OLIO Financial Planning (Q3 2026)
70 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 | — | SPDR INDEX SHS FDS - ST PORT MARK ETFetf/fund | — | $3.8M | 0.9% | 73K | +4% | — | — | 13F |
| 12 | Apple Inc. | Technology | $3.5M | 0.9% | 10K | +0.1% | 11+ qtrs | 75.7 | 13F | |
| 13 | — | SPDR SERIES TRUST - ST SHOR CORP ETFetf/fund | — | $3.0M | 0.8% | 102K | +14% | — | — | 13F |
| 14 | — | VANGUARD INDEX FDS - MRNGSTR SML CP Vetf/fund | — | $3.0M | 0.7% | 13K | -4% | — | — | 13F |
| 15 | — | ISHARES TR - ESG AW MSCI EAFEetf/fund | — | $2.2M | 0.6% | 22K | -0.3% | — | — | 13F |
| 16 | — | VANGUARD INTL EQUITY INDEX F - FTSE EMR MKT ETFetf/fund | — | $2.2M | 0.6% | 37K | -0.7% | — | — | 13F |
| 17 | — | VANGUARD STAR FDS - VG TL INTL STK Fetf/fund | — | $2.1M | 0.5% | 24K | — | — | — | 13F |
| 18 | — | ISHARES TR - ESG AWR MSCI USAetf/fund | — | $1.7M | 0.4% | 10K | -0.0% | — | — | 13F |
| 19 | — | VANGUARD INDEX FDS - S&P 500 ETF SHSetf/fund | — | $1.6M | 0.4% | 2,224 | -2% | — | — | 13F |
| 20 | — | VANGUARD INDEX FDS - MRNGSTR MID CAPetf/fund | — | $1.4M | 0.3% | 17K | +0.2% | — | — | 13F |
| 21 | — | SCHWAB STRATEGIC TR - EMRG MKTEQ ETFetf/fund | — | $1.2M | 0.3% | 34K | -5% | — | — | 13F |
| 22 | — | J P MORGAN EXCHANGE TRADED F - ULTRA SHT MUNCPL | — | $1.1M | 0.3% | 21K | +5% | — | — | 13F |
| 23 | — | ISHARES INC - MSCI EMRG CHNetf/fund | — | $988K | 0.3% | 9,973 | -4% | — | — | 13F |
| 24 | BERKSHIRE HATHAWAY INC | Financials | $976K | 0.2% | 1,961 | +4% | 11+ qtrs | 73.4 | 13F | |
| 25 | — | SPDR SERIES TRUST - ST STR PR SP1500etf/fund | — | $934K | 0.2% | 10K | — | — | — | 13F |
| 26 | $MUFG | MITSUBISHI UFJ FINANCIAL GROUP INC | Financials | $902K | 0.2% | 17K | -1% | |||
| 27 | $AMZN | AMAZON COM INC | Consumer Discretionary | $886K | 0.2% | 3,558 | — | |||
| 28 | $NVDA | NVIDIA CORP | Technology | $886K | 0.2% | 3,880 | — | |||
| 29 | $QQQ | INVESCO QQQ TRUST, SERIES 1 | — | $772K | 0.2% | 1,043 | — | |||
| 30 | — | SCHWAB STRATEGIC TR - US BRD MKT ETF | — | $726K | 0.2% | 25K | — | |||
| 31 | $AMD | ADVANCED MICRO DEVICES INC | Technology | $681K | 0.2% | 1,113 | -0.4% | |||
| 32 | $MSFT | MICROSOFT CORP | Technology | $619K | 0.1% | 1,208 | -0.6% | |||
| 33 | $GLD | SPDR GOLD TRUST | Financials | $617K | 0.1% | 1,620 | — | |||
| 34 | $BAH | Booz Allen Hamilton Holding Corp | Technology | $615K | 0.1% | 8,860 | +9% | |||
| 35 | $AEG | AEGON LTD. | Financials | $613K | 0.1% | 71K | — | |||
| 36 | — | ISHARES TR - CORE US AGGBD ET | — | $534K | 0.1% | 5,644 | New | |||
| 37 | $JPM | JPMORGAN CHASE & CO | Financials | $509K | 0.1% | 1,539 | -24% | |||
| 38 | — | ISHARES TR - CORE S&P500 ETF | — | $498K | 0.1% | 650 | — | |||
| 39 | $ISRG | INTUITIVE SURGICAL INC | Healthcare | $478K | 0.1% | 1,175 | — | |||
| 40 | $SPY | SPDR S&P 500 ETF TRUST | — | $468K | 0.1% | 613 | +44% | |||
| 41 | — | ISHARES TR - ESG AWARE MSCI | — | $460K | 0.1% | 8,838 | -14% | |||
| 42 | — | SELECT SECTOR SPDR TR - ST STR TECHN ETF | — | $447K | 0.1% | 2,284 | +0.5% | |||
| 43 | — | ISHARES TR - CORE S&P TTL STK | — | $436K | 0.1% | 2,624 | — | |||
| 44 | $GOOGL | Alphabet Inc. | Technology | $435K | 0.1% | 1,265 | +0.1% | |||
| 45 | $META | Meta Platforms, Inc. | Technology | $427K | 0.1% | 588 | — | |||
| 46 | — | ISHARES TR - ESG OPTIMIZED | — | $414K | 0.1% | 2,662 | — | |||
| 47 | $RTX | RTX Corp | Industrials | $401K | 0.1% | 2,158 | +0.1% | |||
| 48 | $D | DOMINION ENERGY, INC | Utilities | $400K | 0.1% | 6,604 | +0.9% | |||
| 49 | $AMAT | APPLIED MATERIALS INC /DE | Technology | $396K | 0.1% | 775 | — | |||
| 50 | $CSL | CARLISLE COMPANIES INC | Materials | $385K | 0.1% | 1,196 | — | |||
| 51 | — | ISHARES TR - NATIONAL MUN ETF | — | $385K | 0.1% | 3,805 | -23% | |||
| 52 | $GOOD | GLADSTONE COMMERCIAL CORP | Real Estate | $367K | 0.1% | 29K | — | |||
| 53 | $GOOG | Alphabet Inc. | Technology | $364K | 0.1% | 1,070 | +4% | |||
| 54 | — | SPDR INDEX SHS FDS - ST STR PO EX ETF | — | $343K | 0.1% | 6,829 | -12% | |||
| 55 | $SAIC | Science Applications International Corp | Technology | $334K | 0.1% | 2,615 | — | |||
| 56 | $IVZ | Invesco Ltd. | Financials | $325K | 0.1% | 4,937 | — | |||
| 57 | $XOM.R34088 | EXXON MOBIL CORP | Energy | $304K | 0.1% | 1,866 | -0.4% | |||
| 58 | $CVX | CHEVRON CORP | Energy | $283K | 0.1% | 1,387 | +0.5% | |||
| 59 | $NSC | NORFOLK SOUTHERN CORP | Industrials | $256K | 0.1% | 827 | -14% | |||
| 60 | — | SPDR SERIES TRUST - ST STR AGGRE ETF | — | $255K | 0.1% | 10K | +19% | |||
| 61 | $COST | COSTCO WHOLESALE CORP /NEW | Consumer Staples | $254K | 0.1% | 279 | — | |||
| 62 | — | ISHARES TR - CORE MSCI EAFE | — | $248K | 0.1% | 2,556 | New | |||
| 63 | $IBIT | iShares Bitcoin Trust ETF | Financials | $243K | 0.1% | 5,140 | New | |||
| 64 | — | DIMENSIONAL ETF TRUST - US MKTWIDE VALUE | — | $235K | 0.1% | 4,268 | +0.4% | |||
| 65 | $META | Meta Platforms, Inc. | Technology | $218K | 0.1% | 2,859 | +5% | |||
| 66 | $WMT | Walmart Inc. | Consumer Staples | $210K | 0.1% | 2,022 | — | |||
| 67 | — | VANGUARD INDEX FDS - MRNGSTR SML CAP | — | $207K | 0.1% | 728 | — | |||
| 68 | $KR | KROGER CO | Consumer Staples | $200K | 0.1% | 3,414 | New | |||
| 69 | $LOAN | MANHATTAN BRIDGE CAPITAL, INC | Real Estate | $51K | 0.0% | 51K | -15% | |||
| 70 | $NAK | NORTHERN DYNASTY MINERALS LTD | Materials | $31K | 0.0% | 22K | — |
What changed in Q3 2026
Against the previous quarter's 13F: 4 new, 23 added to, 21 trimmed, 2 sold out. Share-count changes; largest moves by dollar size first.
New positions (4)
Added to (23)
- FIDELITY MERRIMACK STR TR - TOTAL BD ETF+4%
now $48.8M
- VANGUARD INDEX FDS - MRNGSTR MD CP VA+2%
now $20.4M
- SPDR SERIES TRUST - ST SHOR CORP ETF+14%
now $3.0M
- VANGUARD INDEX FDS - MRNGSTR VAL ETF+0.3%
now $73.6M
- VANGUARD MUN BD FDS - TAX EXEMPT BD+4%
now $4.2M
- VANGUARD TAX-MANAGED FDS - VAN FTSE DEV MKT+0.2%
now $58.8M
+17 more in the Excel export
Trimmed (21)
- VANGUARD INDEX FDS - MRNGSTR TTL STK-2%
now $41.2M
- VANGUARD INTL EQUITY INDEX F - ALLWRLD EX US-7%
now $11.2M
- DIMENSIONAL ETF TRUST - US EQUI MARK ETF-0.8%
now $73.9M
$JPMJPMORGAN CHASE & CO-24%
now $509K · held 8 qtrs
- VANGUARD INDEX FDS - MRNGSTR SML CP V-4%
now $3.0M
- ISHARES TR - NATIONAL MUN ETF-23%
now $385K
+15 more in the Excel export
Holdings by quarter
Every 13F OLIO Financial Planning has filed, 19 earlier quarters. Pick one to see what it held then.
Is it too late to follow OLIO Financial Planning?
Q3 2026 13F filed with the SEC on Oct 22, 2026. Prices are closing prices as of Oct 27, 2026.
Average quality of OLIO Financial Planning's top 20 holdings: 74/100 (our AI quality score, weighted by position size; 15 of the 20 are scored)
Top 10 since filing
+1.1%
Value-weighted move of the 10 largest stock positions
Turnover
1%
Last quarter; 4% over the last 4
Top 10 weight
88%
Share of the stock portfolio in its 10 largest positions
Held 4+ quarters
95%
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
OLIO Financial Planning disclosed 70 positions worth $401.9M in its Form 13F-HR for Q3 2026. During the quarter the fund opened 4 new positions and exited 2 and a full exit from $AEP. The portfolio is most concentrated in Other (95.7% of disclosed assets). All figures are sourced directly from OLIO Financial Planning’s Form 13F-HR filing with the SEC under CIK 1906766.
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AI-Powered Hedge Fund Analysis: OLIO Financial Planning
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Every holding in OLIO Financial Planning'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.