CIK: 0001824263
Total reported value
$260.2M
Reporting period: 2026-03-31 · Number of holdings: 38
Bull Oak Capital, LLC disclosed 38 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $260.2M and a quarterly turnover rate of 8.7%.
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Bull Oak Capital, LLC's disclosed holdings carry a Herfindahl concentration index of 0.137 — mathematically equivalent to about 7 equally-sized positions, well below its 38 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 2.08), 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 5.6 percentage-point tilt) — a pattern consistent with a momentum-following approach.
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.
Add SHV
+14.9% $3.7M
Trim IVV
+9.1% $3.1M
Add SGOV
+21.8% $2.1M
Trim SPYM
-0.7% -$498.0K
Trim VTI
+4.9% $63.6K
Trim IBIT
+5.8% -$678.4K
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 29.89% | -0.63% | +9.15% | |
| 2 | IEFA | Ishares Core Msci Eafe ETF | ETF-Other | 13.29% | +0.08% | +5.65% | |
| 3 | SHV | Ishares 0-1 Year Treasury Bo | ETF-Gov Bonds | 10.78% | +0.82% | +14.86% | |
| 4 | SPMO | Invesco S&p 500 Momentum ETF | ETF-Large Cap & Growth | 7.56% | -0.14% | +11.07% | |
| 5 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 6.04% | -0.36% | +4.93% | |
| 6 | SGOV | Ishares 0-3 Month Treasury B | ETF-Gov Bonds | 4.45% | +0.58% | +21.78% | |
| 7 | AVUS | Avantis U.s. Equity ETF | ETF-Other | 4.37% | -0.32% | -0.45% | |
| 8 | SPYM | Ste Str Spdr Pt S&p 500 ETF | ETF-Large Cap & Growth | 3.46% | -0.42% | -0.69% | |
| 9 | IAU | Ishares Gold Trust | ETF-Commodities | 3.38% | +0.24% | +5.56% | |
| 10 | AVDV | Avantis Intl S/c Value ETF | ETF-Other | 2.93% | +0.09% | +3.40% | |
| 11 | BSV | Vanguard Short-term Bond ETF | ETF-Other | 2.39% | +0.17% | +14.95% | |
| 12 | SPAB | Ss Spdr P Agg Bond ETF | ETF-Other | 1.59% | +0.12% | +15.29% | |
| 13 | GOVT | Ishares US Treasury Bond ETF | ETF-Gov Bonds | 1.57% | +0.11% | +14.66% | |
| 14 | AVUV | Avantis US Small Cap Value | ETF-Small Cap | 1.53% | +0.20% | +12.90% | |
| 15 | IBIT | Ishares Bitcoin Trust ETF | ETF-Crypto | 1.18% | -0.35% | +5.81% | |
| 16 | VO | Vanguard Mid-cap ETF | ETF-Other | 1.04% | -0.12% | -4.30% | |
| 17 | SCHX | Schwab US Large-cap ETF | ETF-Other | 0.83% | -0.10% | +0.20% | |
| 18 | VUG | Vanguard Growth ETF | ETF-Other | 0.50% | -0.09% | — | |
| 19 | VTV | Vanguard Value ETF | ETF-Other | 0.42% | -0.02% | — | |
| 20 | PG | Procter & Gamble Co/the | Stock-Consumer Staples | 0.27% | +0.15% | +136.99% | |
| 21 | SPY | Ss Spdr S&p 500 ETF Trust-us | ETF-Large Cap & Growth | 0.26% | -0.03% | — | |
| 22 | XOM | Exxon Mobil CORP | Stock-Energy | 0.23% | +0.06% | — | |
| 23 | WFC | Wells Fargo & Co | Stock-Financials | 0.23% | +0.23% | NEW | |
| 24 | QCOM | Qualcomm INC | Stock-Tech | 0.22% | -0.10% | — | |
| 25 | MSFT | Microsoft CORP | Stock-Tech | 0.21% | -0.08% | — | |
| 26 | SRE | Sempra | Stock-Utilities | 0.15% | +0.15% | NEW | |
| 27 | INTU | Intuit INC | Stock-Tech | 0.14% | -0.09% | — | |
| 28 | TRV | Travelers Cos Inc/the | Stock-Financials | 0.12% | +0.12% | NEW | |
| 29 | AAPL | Apple INC | Stock-Tech | 0.12% | -0.01% | — | |
| 30 | DFUV | Dimensional US Marketwide Va | ETF-Other | 0.11% | — | — | |
| 31 | PEP | Pepsico INC | Stock-Consumer Staples | 0.10% | — | — | |
| 32 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 0.10% | -0.01% | — | |
| 33 | NVDA | Nvidia CORP | Stock-Tech | 0.10% | -0.01% | -2.36% | |
| 34 | OKLO | Oklo INC | Stock-Utilities | 0.10% | +0.10% | NEW | |
| 35 | QQQ | Invesco Qqq Trust Series 1 | ETF-Tech | 0.09% | -0.01% | — | |
| 36 | ADBE | Adobe INC | Stock-Tech | 0.09% | -0.05% | -0.73% | |
| 37 | DFUS | Dimensional US Eq Mkt ETF | ETF-Other | 0.08% | -0.01% | — | |
| 38 | SCHD | Schwab US Dvd Equity ETF | ETF-Other | 0.08% | +0.08% | NEW |
Performance for Q3 2026
+2%
Performance Last 4 Quarters
+18.7%
Based on 56% of reported portfolio value with available pricing
| Period | Holdings | Total value | Stability | Top holdings |
|---|---|---|---|---|
| 2026-03-31 | 38 | $260.2M | 9 | |
| 2025-12-31 | 36 | $244.8M | 5 | |
| 2025-09-30 | 32 | $235.4M | 46 | |
| 2025-06-30 | 32 | $219.5M | 0 | |
| 2025-03-31 | 23 | $183.4M | 0 | |
| 2024-12-31 | 26 | $179.8M | 0 | |
| 2024-09-30 | 124 | $174.1M | 0 | |
| 2024-06-30 | 45 | $155.3M | 0 | |
| 2024-03-31 | 39 | $149.2M | 0 | |
| 2023-12-31 | 43 | $388.9M | 0 | |
| 2023-09-30 | 86 | $91.4M | 0 | |
| 2023-06-30 | 15 | $136.7M | 0 | |
| 2023-03-31 | 16 | $129.3M | 0 | |
| 2022-12-31 | 15 | $118.4M | 0 | |
| 2022-09-30 | 20 | $102.6M | 0 | |
| 2022-06-30 | 19 | $108.1M | 0 | |
| 2022-03-31 | 25 | $122.0M | 0 | |
| 2021-12-31 | 19 | $110.4M | 0 |
Bull Oak Capital, LLC's most significant position changes for 2026-03-31: New buy: Wells Fargo & Co (WFC); New buy: Sempra (SRE); New buy: Travelers Cos Inc/the (TRV); Sold out: Alphabet Inc-cl A (GOOGL); Sold out: Bank Of America CORP (BAC).
| # | Ticker | Issuer | Weight Change | Shares Change | Action |
|---|---|---|---|---|---|
| 1 | SHV | Ishares 0-1 Year Treasury Bo | +0.8% | +14.86% | Add |
| 2 | SGOV | Ishares 0-3 Month Treasury B | +0.6% | +21.78% | Add |
| 3 | IAU | Ishares Gold Trust | +0.2% | +5.56% | Add |
| 4 | AVUV | Avantis US Small Cap Value | +0.2% | +12.90% | Add |
| 5 | BSV | Vanguard Short-term Bond ETF | +0.2% | +14.95% | Add |
| 6 | PG | Procter & Gamble Co/the | +0.2% | +136.99% | Add |
| 7 | SPAB | Ss Spdr P Agg Bond ETF | +0.1% | +15.29% | Add |
| 8 | GOVT | Ishares US Treasury Bond ETF | +0.1% | +14.66% | Add |
| 9 | AVDV | Avantis Intl S/c Value ETF | +0.1% | +3.40% | Add |
| 10 | IEFA | Ishares Core Msci Eafe ETF | +0.1% | +5.65% | Add |
| 11 | XOM | Exxon Mobil CORP | +0.1% | — | Unchanged |
| 12 | PEP | Pepsico INC | — | — | Unchanged |
| 13 | DFUV | Dimensional US Marketwide Va | — | — | Unchanged |
| 14 | NVDA | Nvidia CORP | 0% | -2.36% | Trim |
| 15 | AAPL | Apple INC | 0% | — | Unchanged |
| 16 | QQQ | Invesco Qqq Trust Series 1 | 0% | — | Unchanged |
| 17 | VOO | Vanguard S&p 500 ETF | 0% | — | Unchanged |
| 18 | DFUS | Dimensional US Eq Mkt ETF | 0% | — | Unchanged |
| 19 | VTV | Vanguard Value ETF | 0% | — | Unchanged |
| 20 | SPY | Ss Spdr S&p 500 ETF Trust-us | 0% | — | Unchanged |
| 21 | ADBE | Adobe INC | -0.1% | -0.73% | Trim |
| 22 | MSFT | Microsoft CORP | -0.1% | — | Unchanged |
| 23 | INTU | Intuit INC | -0.1% | — | Unchanged |
| 24 | VUG | Vanguard Growth ETF | -0.1% | — | Unchanged |
| 25 | QCOM | Qualcomm INC | -0.1% | — | Unchanged |
| 26 | SCHX | Schwab US Large-cap ETF | -0.1% | +0.20% | Add |
| 27 | VO | Vanguard Mid-cap ETF | -0.1% | -4.30% | Trim |
| 28 | SPMO | Invesco S&p 500 Momentum ETF | -0.1% | +11.07% | Add |
| 29 | AVUS | Avantis U.s. Equity ETF | -0.3% | -0.45% | Trim |
| 30 | IBIT | Ishares Bitcoin Trust ETF | -0.4% | +5.81% | Add |
| 31 | VTI | Vanguard Total Stock Mkt ETF | -0.4% | +4.93% | Add |
| 32 | SPYM | Ste Str Spdr Pt S&p 500 ETF | -0.4% | -0.69% | Trim |
| 33 | IVV | Ishares Core S&p 500 ETF | -0.6% | +9.15% | Add |
| 34 | WFC | Wells Fargo & Co | — | NEW | New buy |
| 35 | SRE | Sempra | — | NEW | New buy |
| 36 | TRV | Travelers Cos Inc/the | — | NEW | New buy |
| 37 | GOOGL | Alphabet Inc-cl A | — | EXIT | Sold out |
| 38 | BAC | Bank Of America CORP | — | EXIT | Sold out |
| 39 | CRM | Salesforce INC | — | EXIT | Sold out |
| 40 | OKLO | Oklo INC | — | NEW | New buy |
| 41 | SCHD | Schwab US Dvd Equity ETF | — | NEW | New buy |
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2026-03-31 | 2026-05-11 | 13F-HR | View on EDGAR |
| 2025-12-31 | 2026-02-02 | 13F-HR | View on EDGAR |
| 2025-09-30 | 2025-11-10 | 13F-HR | View on EDGAR |
| 2025-06-30 | 2025-08-01 | 13F-HR | View on EDGAR |
| 2025-03-31 | 2025-04-30 | 13F-HR | View on EDGAR |
| 2024-12-31 | 2025-02-05 | 13F-HR | View on EDGAR |
| 2024-09-30 | 2024-10-23 | 13F-HR | View on EDGAR |
| 2024-06-30 | 2024-07-18 | 13F-HR | View on EDGAR |
| 2024-03-31 | 2024-04-11 | 13F-HR | View on EDGAR |
| 2023-12-31 | 2024-01-29 | 13F-HR | View on EDGAR |
| 2023-09-30 | 2023-11-01 | 13F-HR | View on EDGAR |
| 2023-06-30 | 2023-07-27 | 13F-HR | View on EDGAR |
| 2023-03-31 | 2023-04-25 | 13F-HR | View on EDGAR |
| 2022-12-31 | 2023-01-13 | 13F-HR | View on EDGAR |
| 2022-09-30 | 2022-10-18 | 13F-HR | View on EDGAR |
| 2022-06-30 | 2022-10-04 | 13F-HR | View on EDGAR |
| 2022-03-31 | 2022-10-04 | 13F-HR | View on EDGAR |
| 2021-12-31 | 2022-09-28 | 13F-HR | View on EDGAR |
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