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Arnold Financial Planning LLC SEC 13F Holdings (Q3 2026) — Top Position: SCHWAB US LARGE-CAP ETF
Arnold Financial Planning LLCCIK: 0002107020
Diversified strategySector-focusedMomentum follower
Total reported value
$146.7M
Reporting period: 2026-09-30 · Number of holdings: 45
Arnold Financial Planning LLC disclosed 45 holdings in its latest 13F filing for the period ending 2026-09-30, with total reported value of $146.7M and a quarterly turnover rate of 12.5%.
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Personality snowflake
- Concentration
- 29.96
- Portfolio Stability
- 12.52
- Momentum
- 100
- Sector conviction
- 100
- Diversification
- 90
- Sizing Uniformity
- 84.43
Arnold Financial Planning LLC's disclosed holdings carry a Herfindahl concentration index of 0.075 — mathematically equivalent to about 13 equally-sized positions, well below its 45 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 1.56), with a handful of outsized bets alongside many smaller positions.
Recent activity leans toward adding more aggressively to already-large existing positions than to newly initiated ones (a 4.1 percentage-point tilt) — a pattern consistent with a momentum-following approach.
Sector classification currently covers about 7% 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.
Source and citation information
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Recent moves
View source Form 13F filing on SEC.govAdd SCHX
+17.4% $3.2M
New buy VOO
Trim DFAC
-1.0% -$68.2K
Trim DFCF
+1.7% -$190.7K
Trim TSLA
-1.8% -$443.9K
Trim SLYV
+7.8% $73.6K
Holdings Map
New buyAddUnchangedTrim
Top 10 holdings by weight
Full holdings list this quarter
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | SCHX | Schwab US Large-cap ETF | ETF-Other | 13.29% | +1.14% | +17.40% | |
| 2 | SCHZ | Schwab US Aggregate Bond ETF | ETF-Other | 12.00% | +0.15% | +15.94% | |
| 3 | SCHO | Schwab Short-term US Treas | ETF-Other | 10.26% | +0.40% | +15.16% | |
| 4 | SCHF | Schwab Intl Equity ETF | ETF-Other | 9.27% | +0.12% | +11.68% | |
| 5 | SCHA | Schwab US Small-cap ETF | ETF-Other | 7.14% | -0.44% | +14.08% | |
| 6 | SCHV | Schwab US Large-cap Value | ETF-Other | 6.70% | +0.11% | +16.18% | |
| 7 | DFAC | Dimensional US Core Equity 2 | ETF-Other | 6.00% | -0.62% | -0.97% | |
| 8 | SLYV | Ss Spdr S&p 600 Sc Val ETF | ETF-Other | 5.67% | -0.47% | +7.77% | |
| 9 | SCHC | Schwab Intl Small-cap Equity | ETF-Other | 5.27% | +0.31% | +12.43% | |
| 10 | DFCF | Dimensional Core Fixed Inc | ETF-Other | 3.76% | -0.50% | +1.70% | |
| 11 | AAPL | Apple Inc | Stock-Tech | 3.57% | -0.29% | -12.00% | |
| 12 | SCHE | Schwab Emrg Mrkts Eqty ETF | ETF-Other | 2.95% | +0.18% | +15.80% | |
| 13 | TSLA | Tesla Inc | Stock-Consumer Disc | 1.46% | -0.47% | -1.77% | |
| 14 | DFAI | Dimensional International Co | ETF-Other | 1.36% | -0.13% | +0.05% | |
| 15 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 0.95% | -0.11% | -3.23% | |
| 16 | DFAX | Dimensional World Ex US Core | ETF-Other | 0.82% | -0.08% | +0.10% | |
| 17 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 0.81% | +0.81% | NEW | |
| 18 | FLOT | Ishares Floating Rate Bond E | ETF-Other | 0.81% | -0.07% | — | |
| 19 | NVDA | Nvidia CORP | Stock-Tech | 0.68% | +0.04% | +1.83% | |
| 20 | DFAE | Dimensional Emerging Core Eq | ETF-Emerging Markets | 0.62% | -0.08% | -1.63% | |
| 21 | QQQ | Invesco Qqq Trust Series 1 | ETF-Tech | 0.59% | -0.05% | — | |
| 22 | BRK-B | Berkshire Hathaway Inc-cl B | Stock-Other | 0.46% | +0.29% | +202.25% | |
| 23 | IWP | Ishares Russell Mid-cap Grow | ETF-Other | 0.46% | -0.07% | — | |
| 24 | IJR | Ishares Core S&p Small-cap E | ETF-Small Cap | 0.41% | -0.10% | -4.60% | |
| 25 | SGOV | Ishares 0-3 Month Treasury B | ETF-Gov Bonds | 0.41% | -0.27% | -34.77% | |
| 26 | VBIL | Vanguard 0-3m T-bill ETF | ETF-Other | 0.33% | +0.33% | NEW | |
| 27 | ✓ | Stock-Other | 0.30% | +0.30% | NEW | ||
| 28 | XBI | Ss Spdr S&p Biotech ETF | ETF-Tech | 0.29% | -0.03% | — | |
| 29 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 0.28% | -0.28% | -46.00% | |
| 30 | META | Meta Platforms Inc-class A | Stock-Comm Services | 0.28% | +0.06% | +7.43% | |
| 31 | MSFT | Microsoft CORP | Stock-Tech | 0.25% | +0.08% | +17.42% | |
| 32 | KRE | Ss Spdr S&p Regional Bank | ETF-Other | 0.25% | -0.05% | — | |
| 33 | VEA | Vanguard Ftse Developed ETF | ETF-Other | 0.24% | -0.08% | -17.62% | |
| 34 | T | At&t Inc | Stock-Comm Services | 0.22% | +0.02% | — | |
| 35 | AMZN | Amazon.com Inc | Stock-Consumer Disc | 0.21% | +0.05% | +36.36% | |
| 36 | GOOG | Alphabet Inc-cl C | Stock-Comm Services | 0.21% | +0.21% | NEW | |
| 37 | IWN | Ishares Russell 2000 Value E | ETF-Small Cap | 0.21% | -0.03% | — | |
| 38 | VTIP | Vanguard Short-term Tips | ETF-Other | 0.17% | -0.02% | +1.37% | |
| 39 | IBDS | Ishrs Ibnds Dec 27 CORP ETF | ETF-Other | 0.16% | +0.16% | NEW | |
| 40 | IBDU | Ishares Ibonds Dec 2029 Term | ETF-Other | 0.15% | -0.02% | — | |
| 41 | IBDT | Ishares Ibonds Dec 2028 ETF | ETF-Other | 0.15% | -0.02% | — | |
| 42 | FNDA | Schwab Fndmntl US Sm Co ETF | ETF-Other | 0.15% | -0.03% | — | |
| 43 | AMD | Advanced Micro Devices | Stock-Tech | 0.14% | +0.14% | NEW | |
| 44 | BSV | Vanguard Short-term Bond ETF | ETF-Other | 0.14% | -0.04% | -14.30% | |
| 45 | SCHM | Schwab US Mid Cap ETF | ETF-Other | 0.14% | -0.02% | — |
Portfolio Performance
Performance for Q4 2026
+0.4%
Performance Last 4 Quarters
+4.2%
- Stdev
- +11.2%
- Beta
- +0.66
- Alpha
- -5.4%
- Max Drawdown
- -1.9%
- Annualized Perf
- +6.4%
- Batting Avg vs S&P
- +37.5%
- Sortino
- +1.09
- Stutzer
- +0.19
- Treynor
- +0.1
- Sterling
- —
- Calmar
- +3.3
- Information Ratio
- -1.81
- Tracking Error
- +6.5%
- Stdev Down
- +6.2%
- Winning Months %
- +62.5%
- Losing Months %
- +37.5%
- Best 12 Months
- —
- Worst 12 Months
- —
- Efficiency Ratio
- +0.22
- Sharpe
- +0.6
- Stdev Sectors
- +23.8%
- Skewness
- +0.17
- Kurtosis
- -0.37
- Upside Potential
- +2.91
Reported value over time
Sector allocation
Sector allocation over time
Quarterly history
Holding changes this quarter
Arnold Financial Planning LLC's most significant position changes for 2026-09-30: New buy: Vanguard S&p 500 ETF (VOO); New buy: Vanguard 0-3m T-bill ETF (VBIL); Sold out: Dimensional US Real Est ETF (DFAR); New buy: ; New buy: Alphabet Inc-cl C (GOOG).
| # | Ticker | Issuer | Weight Change | Shares Change | Action |
|---|---|---|---|---|---|
| 1 | SCHX | Schwab US Large-cap ETF | +1.1% | +17.40% | Add |
| 2 | VOO | Vanguard S&p 500 ETF | +0.8% | NEW | New buy |
| 3 | SCHO | Schwab Short-term US Treas | +0.4% | +15.16% | Add |
| 4 | VBIL | Vanguard 0-3m T-bill ETF | +0.3% | NEW | New buy |
| 5 | SCHC | Schwab Intl Small-cap Equity | +0.3% | +12.43% | Add |
| 6 | ✓ | +0.3% | NEW | New buy | |
| 7 | BRK-B | Berkshire Hathaway Inc-cl B | +0.3% | +202.25% | Add |
| 8 | GOOG | Alphabet Inc-cl C | +0.2% | NEW | New buy |
| 9 | SCHE | Schwab Emrg Mrkts Eqty ETF | +0.2% | +15.80% | Add |
| 10 | IBDS | Ishrs Ibnds Dec 27 CORP ETF | +0.2% | NEW | New buy |
| 11 | SCHZ | Schwab US Aggregate Bond ETF | +0.2% | +15.94% | Add |
| 12 | AMD | Advanced Micro Devices | +0.1% | NEW | New buy |
| 13 | SCHF | Schwab Intl Equity ETF | +0.1% | +11.68% | Add |
| 14 | SCHV | Schwab US Large-cap Value | +0.1% | +16.18% | Add |
| 15 | MSFT | Microsoft CORP | +0.1% | +17.42% | Add |
| 16 | META | Meta Platforms Inc-class A | +0.1% | +7.43% | Add |
| 17 | AMZN | Amazon.com Inc | +0.1% | +36.36% | Add |
| 18 | NVDA | Nvidia CORP | 0% | +1.83% | Add |
| 19 | T | At&t Inc | 0% | — | Unchanged |
| 20 | SCHM | Schwab US Mid Cap ETF | 0% | — | Unchanged |
| 21 | IBDU | Ishares Ibonds Dec 2029 Term | 0% | — | Unchanged |
| 22 | IBDT | Ishares Ibonds Dec 2028 ETF | 0% | — | Unchanged |
| 23 | VTIP | Vanguard Short-term Tips | 0% | +1.37% | Add |
| 24 | FNDA | Schwab Fndmntl US Sm Co ETF | 0% | — | Unchanged |
| 25 | IWN | Ishares Russell 2000 Value E | 0% | — | Unchanged |
| 26 | XBI | Ss Spdr S&p Biotech ETF | 0% | — | Unchanged |
| 27 | BSV | Vanguard Short-term Bond ETF | 0% | -14.30% | Trim |
| 28 | KRE | Ss Spdr S&p Regional Bank | -0.1% | — | Unchanged |
| 29 | QQQ | Invesco Qqq Trust Series 1 | -0.1% | — | Unchanged |
| 30 | IWP | Ishares Russell Mid-cap Grow | -0.1% | — | Unchanged |
| 31 | FLOT | Ishares Floating Rate Bond E | -0.1% | — | Unchanged |
| 32 | VEA | Vanguard Ftse Developed ETF | -0.1% | -17.62% | Trim |
| 33 | DFAE | Dimensional Emerging Core Eq | -0.1% | -1.63% | Trim |
| 34 | DFAX | Dimensional World Ex US Core | -0.1% | +0.10% | Add |
| 35 | IJR | Ishares Core S&p Small-cap E | -0.1% | -4.60% | Trim |
| 36 | VTI | Vanguard Total Stock Mkt ETF | -0.1% | -3.23% | Trim |
| 37 | DFAI | Dimensional International Co | -0.1% | +0.05% | Add |
| 38 | IEMG | Ishares Core Msci Emerging | -0.2% | EXIT | Sold out |
| 39 | SGOV | Ishares 0-3 Month Treasury B | -0.3% | -34.77% | Trim |
| 40 | IVV | Ishares Core S&p 500 ETF | -0.3% | -46.00% | Trim |
| 41 | AAPL | Apple Inc | -0.3% | -12.00% | Trim |
| 42 | DFAR | Dimensional US Real Est ETF | -0.4% | EXIT | Sold out |
| 43 | SCHA | Schwab US Small-cap ETF | -0.4% | +14.08% | Add |
| 44 | TSLA | Tesla Inc | -0.5% | -1.77% | Trim |
| 45 | SLYV | Ss Spdr S&p 600 Sc Val ETF | -0.5% | +7.77% | Add |
| 46 | DFCF | Dimensional Core Fixed Inc | -0.5% | +1.70% | Add |
| 47 | DFAC | Dimensional US Core Equity 2 | -0.6% | -0.97% | Trim |
* This report is exclusively curated by the AlphaSMO team. AlphaSMO is the web's most authoritative 13F / Inside Trader database, delivering precise insider trading and institutional holdings insights.
Filing History
FAQ
What is Arnold Financial Planning LLC and what type of investor is it?
Arnold Financial Planning LLC is an investment manager that files SEC Form 13F quarterly, disclosing its U.S. public equity holdings to regulators. As of the most recent reporting period (2026-09-30), the firm manages a tracked equity portfolio valued at approximately $146.7M, spread across 45 disclosed positions.
What are Arnold Financial Planning LLC's largest equity positions?
Based on the latest 13F filing, Arnold Financial Planning LLC's top holdings by market value are:
1. Schwab US Large-cap ETF (SCHX) — $19.5M (13.3%)
2. Schwab US Aggregate Bond ETF (SCHZ) — $17.6M (12.0%)
3. Schwab Short-term US Treas (SCHO) — $15.0M (10.3%)
4. Schwab Intl Equity ETF (SCHF) — $13.6M (9.3%)
5. Schwab US Small-cap ETF (SCHA) — $10.5M (7.1%)
What changes did Arnold Financial Planning LLC make in its most recent portfolio filing?
In the latest reported quarter, Arnold Financial Planning LLC made 36 notable position adjustments: 6 new positions were initiated, 18 existing holdings were added to, 10 positions were partially reduced, and 2 were completely exited. The largest of these moves: New buy: Vanguard S&p 500 ETF (VOO); New buy: Vanguard 0-3m T-bill ETF (VBIL); Sold out: Dimensional US Real Est ETF (DFAR); New buy: ; New buy: Alphabet Inc-cl C (GOOG)
What sectors does Arnold Financial Planning LLC focus on?
Arnold Financial Planning LLC is concentrated in the following sectors based on its current disclosed equity portfolio:
• Information Technology: 66.0%
• Consumer Discretionary: 23.8%
• Communication Services: 10.1%
Investment Profile
Arnold Financial Planning LLC returned an annualized 6.4% over the trailing 8 months — underperforming the S&P 500 by 5.4 points — based on a reconstructed track record of its disclosed 13F positions, with a beta of 0.66 (less volatile than the market) and a 38% quarterly batting average against the index.
Its portfolio is broadly diversified and long-term-holding, with 66.0% of the portfolio concentrated in Information Technology.
It has added to its SCHX position over the past two quarters (+$5.9M, now $19.5M), while trimming IBDU over the same stretch (-$5.6K, still holding $223.7K).
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