CIK: 0001846923
Total reported value
$171.8M
Reporting period: 2026-03-31 · Number of holdings: 25
Williams Financial, LLC disclosed 25 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $171.8M and a quarterly turnover rate of 2.2%.
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Williams Financial, LLC's disclosed holdings carry a Herfindahl concentration index of 0.130 — mathematically equivalent to about 8 equally-sized positions, well below its 25 actual disclosed holdings. That gap points to a strategy built around a small core of high-conviction bets rather than broad diversification.
Position sizes vary widely across the portfolio (a coefficient of variation of 1.53), with a handful of outsized bets alongside many smaller positions.
No strong tilt toward either adding to existing winners or initiating outsized new positions was observed in the latest reported quarter.
Sector classification currently covers about 2% of this portfolio's disclosed value; the remainder includes holdings (e.g. unmapped tickers, options, or other security types) not yet covered by our sector mapping.
Trim IVV
-0.2% -$1.1M
Add FNDF
-1.9% $480.4K
Add XOM
+0.1% $290.6K
Trim AAPL
-5.9% -$260.0K
Trim DGRW
-0.6% -$298.8K
Add VEU
-1.5% $82.7K
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | JPIE | Jpmorgan Income ETF | ETF-Other | 28.19% | -0.03% | -0.25% | |
| 2 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 12.50% | -0.55% | -0.17% | |
| 3 | MINT | Pimco Enhanced Short Maturit | ETF-Other | 9.23% | +0.05% | -0.30% | |
| 4 | FNDX | Schwab Fndmntl US Lrg Co ETF | ETF-Other | 8.62% | +0.09% | -1.88% | |
| 5 | VEU | Vanguard Ftse All-world Ex-u | ETF-Other | 8.32% | +0.10% | -1.48% | |
| 6 | DGRW | Wisdomtree U.s. Quality Divi | ETF-Other | 7.12% | -0.13% | -0.62% | |
| 7 | FNDF | Schwab Fndmn Intl Lrg Co ETF | ETF-Other | 4.82% | +0.31% | -1.91% | |
| 8 | SCHP | Schwab U.s. Tips ETF | ETF-Other | 3.35% | +0.04% | +0.07% | |
| 9 | SCHH | Schwab US Reit ETF | ETF-Other | 2.88% | +0.09% | -0.44% | |
| 10 | DFIS | Dimensional International Sm | ETF-Other | 2.18% | +0.04% | -1.24% | |
| 11 | SMLF | Ishares US Smallcap Equity F | ETF-Other | 2.13% | +0.02% | -0.27% | |
| 12 | VCIT | Vanguard Int-term Corporate | ETF-Corp Bonds | 2.12% | -0.02% | -0.38% | |
| 13 | SCHR | Schwab Intermediate-term US | ETF-Other | 1.63% | -0.01% | -0.72% | |
| 14 | SJNK | Ss Spdr Bb St Hi Yield ETF | ETF-Other | 1.59% | -0.02% | -0.41% | |
| 15 | SCHE | Schwab Emrg Mrkts Eqty ETF | ETF-Other | 1.46% | +0.01% | -0.64% | |
| 16 | AAPL | Apple INC | Stock-Tech | 1.10% | -0.14% | -5.87% | |
| 17 | FNDA | Schwab Fndmntl US Sm Co ETF | ETF-Other | 1.04% | +0.01% | -2.84% | |
| 18 | XOM | Exxon Mobil CORP | Stock-Energy | 0.58% | +0.17% | +0.14% | |
| 19 | CVS | Cvs Health CORP | Stock-Healthcare | 0.29% | -0.03% | — | |
| 20 | MSFT | Microsoft CORP | Stock-Tech | 0.19% | -0.05% | +0.82% | |
| 21 | TD | Toronto-dominion Bank | Stock-Financials | 0.17% | — | — | |
| 22 | IBM | Intl Business Machines CORP | Stock-Tech | 0.13% | -0.03% | — | |
| 23 | AMZN | Amazon.com INC | Stock-Consumer Disc | 0.13% | -0.01% | +1.90% | |
| 24 | SYY | Sysco CORP | Stock-Consumer Staples | 0.12% | -0.01% | -0.54% | |
| 25 | AGG | Ishares Core U.s. Aggregate | ETF-Other | 0.12% | +0.12% | NEW |
Performance for Q3 2026
+2.2%
Performance Last 4 Quarters
+11.6%
Based on 83% of reported portfolio value with available pricing
| Period | Holdings | Total value | Stability | Top holdings |
|---|---|---|---|---|
| 2026-03-31 | 25 | $171.8M | 2 | |
| 2025-12-31 | 24 | $172.8M | 100 | |
| 2025-09-30 | 17 | $97.0M | 94 | |
| 2025-06-30 | 10 | $91.7M | 0 | |
| 2025-03-31 | 15 | $143.1M | 100 | |
| 2024-12-31 | 18 | $160.6M | 0 | |
| 2024-09-30 | 18 | $160.0M | 0 | |
| 2024-06-30 | 113 | $9.5B | 0 | |
| 2024-03-31 | 19 | $150.2M | 0 | |
| 2023-12-31 | 30 | $137.4M | 0 | |
| 2023-09-30 | 30 | $131.7M | 0 | |
| 2023-06-30 | 27 | $134.1M | 0 | |
| 2023-03-31 | 25 | $128.1M | 0 | |
| 2022-12-31 | 23 | $115.2M | 0 | |
| 2022-09-30 | 28 | $118.1M | 0 | |
| 2022-06-30 | 20 | $122.9M | 0 | |
| 2022-03-31 | 32 | $132.2M | 0 | |
| 2021-12-31 | 34 | $132.5M | 0 | |
| 2021-09-30 | 32 | $115.5M | 0 | |
| 2021-06-30 | 49 | $123.1M | 97 | |
| 2021-03-31 | 47 | $115.8M | 47 | |
| 2020-12-31 | 24 | $105.9M | 0 |
Williams Financial, LLC's most significant position changes for 2026-03-31: New buy: Ishares Core U.s. Aggregate (AGG); Trim: Ishares Core S&p 500 ETF (IVV) — shares -0.17%; Trim: Schwab Fndmn Intl Lrg Co ETF (FNDF) — shares -1.91%; Add: Exxon Mobil CORP (XOM) — shares +0.14%; Trim: Apple INC (AAPL) — shares -5.87%.
| # | Ticker | Issuer | Weight Change | Shares Change | Action |
|---|---|---|---|---|---|
| 1 | FNDF | Schwab Fndmn Intl Lrg Co ETF | +0.3% | -1.91% | Trim |
| 2 | XOM | Exxon Mobil CORP | +0.2% | +0.14% | Add |
| 3 | VEU | Vanguard Ftse All-world Ex-u | +0.1% | -1.48% | Trim |
| 4 | SCHH | Schwab US Reit ETF | +0.1% | -0.44% | Trim |
| 5 | FNDX | Schwab Fndmntl US Lrg Co ETF | +0.1% | -1.88% | Trim |
| 6 | MINT | Pimco Enhanced Short Maturit | +0.1% | -0.30% | Trim |
| 7 | DFIS | Dimensional International Sm | 0% | -1.24% | Trim |
| 8 | SCHP | Schwab U.s. Tips ETF | 0% | +0.07% | Add |
| 9 | SMLF | Ishares US Smallcap Equity F | 0% | -0.27% | Trim |
| 10 | SCHE | Schwab Emrg Mrkts Eqty ETF | 0% | -0.64% | Trim |
| 11 | FNDA | Schwab Fndmntl US Sm Co ETF | 0% | -2.84% | Trim |
| 12 | TD | Toronto-dominion Bank | — | — | Unchanged |
| 13 | SCHR | Schwab Intermediate-term US | 0% | -0.72% | Trim |
| 14 | AMZN | Amazon.com INC | 0% | +1.90% | Add |
| 15 | SYY | Sysco CORP | 0% | -0.54% | Trim |
| 16 | VCIT | Vanguard Int-term Corporate | 0% | -0.38% | Trim |
| 17 | SJNK | Ss Spdr Bb St Hi Yield ETF | 0% | -0.41% | Trim |
| 18 | JPIE | Jpmorgan Income ETF | 0% | -0.25% | Trim |
| 19 | CVS | Cvs Health CORP | 0% | — | Unchanged |
| 20 | IBM | Intl Business Machines CORP | 0% | — | Unchanged |
| 21 | MSFT | Microsoft CORP | -0.1% | +0.82% | Add |
| 22 | DGRW | Wisdomtree U.s. Quality Divi | -0.1% | -0.62% | Trim |
| 23 | AAPL | Apple INC | -0.1% | -5.87% | Trim |
| 24 | IVV | Ishares Core S&p 500 ETF | -0.6% | -0.17% | Trim |
| 25 | AGG | Ishares Core U.s. Aggregate | — | NEW | New buy |
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2026-03-31 | 2026-04-24 | 13F-HR | View on EDGAR |
| 2025-12-31 | 2026-02-02 | 13F-HR | View on EDGAR |
| 2025-09-30 | 2025-10-24 | 13F-HR | View on EDGAR |
| 2025-06-30 | 2025-07-11 | 13F-HR | View on EDGAR |
| 2025-03-31 | 2025-04-23 | 13F-HR | View on EDGAR |
| 2024-12-31 | 2025-01-24 | 13F-HR | View on EDGAR |
| 2024-09-30 | 2024-10-22 | 13F-HR | View on EDGAR |
| 2024-06-30 | 2024-08-08 | Amendment | View on EDGAR |
| 2024-06-30 | 2024-07-19 | 13F-HR | View on EDGAR |
| 2024-03-31 | 2024-04-10 | 13F-HR | View on EDGAR |
| 2023-12-31 | 2024-01-18 | 13F-HR | View on EDGAR |
| 2023-09-30 | 2023-10-27 | 13F-HR | View on EDGAR |
| 2023-06-30 | 2023-07-13 | 13F-HR | View on EDGAR |
| 2023-03-31 | 2023-04-11 | 13F-HR | View on EDGAR |
| 2022-12-31 | 2023-01-17 | 13F-HR | View on EDGAR |
| 2022-09-30 | 2022-10-13 | 13F-HR | View on EDGAR |
| 2022-06-30 | 2022-08-26 | 13F-HR | View on EDGAR |
| 2022-03-31 | 2022-04-19 | 13F-HR | View on EDGAR |
| 2021-12-31 | 2022-02-02 | 13F-HR | View on EDGAR |
| 2021-09-30 | 2021-11-09 | 13F-HR | View on EDGAR |
| 2021-06-30 | 2021-07-14 | 13F-HR | View on EDGAR |
| 2021-03-31 | 2021-04-29 | 13F-HR | View on EDGAR |
| 2020-12-31 | 2021-03-01 | 13F-HR | View on EDGAR |
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