PENNEY FINANCIAL, LLC

Portfolio Overview

PENNEY FINANCIAL, LLC disclosed 48 positions worth $260.6M in its Form 13F-HR for Q1 2026. During the quarter the fund opened 1 new position and exited 5 — including a new stake in $FLY and a full exit from $AVGO. The portfolio is most concentrated in Other (96.8% of disclosed assets). All figures are sourced directly from PENNEY FINANCIAL, LLC’s Form 13F-HR filing with the SEC under CIK 2049857.

• GOLDMAN SACHS ETF TR

  —

  Quality

  $59.8M477,721 sh

• VANGUARD INDEX FDS

  —

  Quality

  $41.2M128,417 sh

• VANGUARD TAX-MANAGED FDS

  —

  Quality

  $22.0M343,634 sh

• ISHARES TR

  —

  Quality

  $17.4M172,506 sh

• ISHARES TR

  —

  Quality

  $12.7M140,064 sh

• J P MORGAN EXCHANGE TRADED F

  —

  Quality

  $9.6M208,599 sh

• SCHWAB STRATEGIC TR

  —

  Quality

  $9.5M308,191 sh

• VANGUARD WHITEHALL FDS

  —

  Quality

  $9.0M60,660 sh

• FRANKLIN TEMPLETON ETF TR

  —

  Quality

  $7.3M293,015 sh

• VANGUARD MALVERN FDS

  —

  Quality

  $7.1M91,913 sh

Showing top 10 of 48 holdings.

Full Holdings — PENNEY FINANCIAL, LLC (Q1 2026)

All 48 disclosed positions from the latest Form 13F-HR, with quarter-over-quarter share changes and 13F Pro quality scores. Sourced from SEC EDGAR.

#	Ticker	Company	Value	Weight	QoQ	Quality
1	—	GOLDMAN SACHS ETF TR	$59.8M	22.9%	+1%	—
2	—	VANGUARD INDEX FDS	$41.2M	15.8%	+4%	—
3	—	VANGUARD TAX-MANAGED FDS	$22.0M	8.4%	+0%	—
4	—	ISHARES TR	$17.4M	6.7%	-6%	—
5	—	ISHARES TR	$12.7M	4.9%	+6%	—
6	—	J P MORGAN EXCHANGE TRADED F	$9.6M	3.7%	+4%	—
7	—	SCHWAB STRATEGIC TR	$9.5M	3.6%	+0%	—
8	—	VANGUARD WHITEHALL FDS	$9.0M	3.5%	-0%	—
9	—	FRANKLIN TEMPLETON ETF TR	$7.3M	2.8%	+13%	—
10	—	VANGUARD MALVERN FDS	$7.1M	2.7%	+4%	—
11	—	MORGAN STANLEY ETF TRUST	$7.1M	2.7%	+3%	—
12	—	VANGUARD INDEX FDS	$6.4M	2.5%	-1%	—
13	—	J P MORGAN EXCHANGE TRADED F	$5.6M	2.2%	+2%	—
14	—	CAPITAL GRP FIXED INCM ETF T	$5.0M	1.9%	+13%	—
15	—	DIMENSIONAL ETF TRUST	$4.7M	1.8%	+10%	—
16	—	ISHARES TR	$4.5M	1.7%	+2%	—
17	—	J P MORGAN EXCHANGE TRADED F	$4.3M	1.7%	+7%	—
18	—	VANGUARD MUN BD FDS	$3.9M	1.5%	+7%	—
19	—	VANGUARD STAR FDS	$3.2M	1.2%	+0%	—
20	—	SCHWAB STRATEGIC TR	$2.8M	1.1%	+1%	—
21	—	ISHARES TR	$2.6M	1.0%	-1%	—
22	$AAPL	Apple Inc.	$2.3M	0.9%	+0%	76.1
23	—	VANGUARD INDEX FDS	$1.3M	0.5%	+4%	—
24	$CVX	CHEVRON CORP	$899,742	0.3%	-21%	54.7
25	—	ISHARES TR	$897,511	0.3%	+0%	—
26	—	ISHARES TR	$848,613	0.3%	+0%	—
27	$LNG	Cheniere Energy, Inc.	$773,246	0.3%	+0%	48.4
28	—	ISHARES TR	$747,188	0.3%	+51%	—
29	—	J P MORGAN EXCHANGE TRADED F	$695,553	0.3%	-5%	—
30	$AMZN	AMAZON COM INC	$694,997	0.3%	+8%	74.6
31	$MSFT	MICROSOFT CORP	$688,886	0.3%	-2%	83.7
32	$FLY	Firefly Aerospace Inc.	$648,917	0.3%	NEW	46
33	—	ISHARES TR	$546,344	0.2%	+0%	—
34	—	J P MORGAN EXCHANGE TRADED F	$404,880	0.2%	-87%	—
35	$FDX	FEDEX CORP	$360,098	0.1%	-12%	60.3
36	$GVA	GRANITE CONSTRUCTION INC	$317,322	0.1%	+0%	56.9
37	$META	Meta Platforms, Inc.	$302,741	0.1%	-0%	80.9
38	$XOM	EXXON MOBIL CORP	$287,913	0.1%	-22%	61.8
39	$EQNR	EQUINOR ASA	$280,588	0.1%	-50%	—
40	—	VANGUARD INDEX FDS	$265,132	0.1%	+17%	—
41	—	SCHWAB STRATEGIC TR	$251,684	0.1%	+0%	—
42	—	ISHARES TR	$241,420	0.1%	+0%	—
43	$STT	STATE STREET CORP	$239,299	0.1%	+0%	61.5
44	$GOOG	Alphabet Inc.	$238,387	0.1%	+0%	80.2
45	—	VANGUARD INDEX FDS	$232,889	0.1%	-95%	—
46	$META	Meta Platforms, Inc.	$228,280	0.1%	+4%	80.9
47	$BTI	British American Tobacco p.l.c.	$210,667	0.1%	+0%	—
48	—	ISHARES TR	$206,973	0.1%	-99%	—