CF
Cdm Financial Counseling Services, Inc. — 13F Portfolio Report & Top Holdings (Q3 2026)
Cdm Financial Counseling Services, Inc.CIK: 0002107537
Diversified strategyMomentum followerQuality / disciplined sizing
Total reported value
$118.9M
Reporting period: 2026-09-30 · Number of holdings: 77
CDM FINANCIAL COUNSELING SERVICES, INC. disclosed 77 holdings in its latest 13F filing for the period ending 2026-09-30, with total reported value of $118.9M and a quarterly turnover rate of 6.4%.
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Personality snowflake
- Concentration
- 17.4
- Portfolio Stability
- 6.41
- Momentum
- 100
- Sector conviction
- 49.18
- Diversification
- 100
- Sizing Uniformity
- 84.57
Cdm Financial Counseling Services, Inc.'s disclosed holdings carry a Herfindahl concentration index of 0.044 — mathematically equivalent to about 23 equally-sized positions, well below its 77 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 1.54), 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 30% 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 MSFT
+0.3% $1.3M
Trim CAT
-0.7% -$557.2K
Trim SOXX
+2.0% -$315.9K
Add VTI
+6.3% $549.0K
Trim HD
-9.5% -$224.3K
Trim XLU
+2.0% -$172.7K
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 | SPY | Ss Spdr S&p 500 ETF Trust-us | ETF-Large Cap & Growth | 11.88% | -0.08% | -0.31% | |
| 2 | XLK | Ss Technology Select Sector | ETF-Tech | 10.57% | +0.05% | +0.16% | |
| 3 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 6.60% | +0.31% | +6.31% | |
| 4 | VIG | Vanguard Dividend Apprec ETF | ETF-Other | 5.20% | -0.09% | +2.23% | |
| 5 | MSFT | Microsoft CORP | Stock-Tech | 3.95% | +1.02% | +0.33% | |
| 6 | MGK | Vanguard Mega Cap Growth ETF | ETF-Other | 3.71% | +0.14% | +1.06% | |
| 7 | XLC | Ss Comm Select Sector Spdr | ETF-Other | 3.21% | +0.10% | +2.14% | |
| 8 | VYM | Vanguard High Dvd Yield ETF | ETF-Other | 3.07% | -0.17% | -1.00% | |
| 9 | SOXX | Ishares Semiconductor ETF | ETF-Other | 2.54% | -0.34% | +2.02% | |
| 10 | VUG | Vanguard Growth ETF | ETF-Other | 2.42% | +0.06% | +0.06% | |
| 11 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 2.23% | +0.01% | +1.01% | |
| 12 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 2.06% | — | +0.09% | |
| 13 | XLY | Ss Consumer Disc Select Sect | ETF-Other | 1.89% | -0.14% | +3.04% | |
| 14 | V | Visa Inc-class A Shares | Stock-Financials | 1.62% | +0.05% | +0.79% | |
| 15 | AAPL | Apple Inc | Stock-Tech | 1.57% | +0.15% | -1.28% | |
| 16 | RTX | Rtx CORP | Stock-Industrials | 1.55% | -0.05% | +1.44% | |
| 17 | BRK-B | Berkshire Hathaway Inc-cl B | Stock-Other | 1.51% | -0.04% | +0.31% | |
| 18 | GOOG | Alphabet Inc-cl C | Stock-Comm Services | 1.49% | -0.06% | +1.67% | |
| 19 | CAT | Caterpillar Inc | Stock-Industrials | 1.45% | -0.52% | -0.70% | |
| 20 | SMH | Vaneck Semiconductor ETF | ETF-Other | 1.43% | -0.09% | +3.79% | |
| 21 | MAR | Marriott International -cl A | Stock-Consumer Disc | 1.42% | +0.08% | +13.51% | |
| 22 | QQQ | Invesco Qqq Trust Series 1 | ETF-Tech | 1.41% | -0.05% | -1.74% | |
| 23 | AMZN | Amazon.com Inc | Stock-Consumer Disc | 1.37% | +0.06% | +3.15% | |
| 24 | PM | Philip Morris International | Stock-Consumer Staples | 1.22% | +0.06% | +2.14% | |
| 25 | XLU | St Sr Utl Sl Se Spdr Etf-usd | ETF-Other | 1.14% | -0.18% | +1.97% | |
| 26 | QQQM | Invesco Nasdaq 100 ETF | ETF-Tech | 1.08% | +0.03% | +4.24% | |
| 27 | GOOGL | Alphabet Inc-cl A | Stock-Comm Services | 1.01% | -0.04% | +2.88% | |
| 28 | UNP | Union Pacific CORP | Stock-Industrials | 0.81% | — | +1.58% | |
| 29 | SCHD | Schwab US Dvd Equity ETF | ETF-Other | 0.74% | +0.08% | +12.91% | |
| 30 | RSP | Invesco S&p 500 Equal Weight | ETF-Large Cap & Growth | 0.72% | +0.02% | +8.33% | |
| 31 | FDVV | Fidelity High Dividend ETF | ETF-Other | 0.71% | — | +2.25% | |
| 32 | MA | Mastercard Inc - A | Stock-Financials | 0.68% | +0.04% | +1.03% | |
| 33 | BRK-A | Berkshire Hathaway Inc-cl A | Stock-Other | 0.63% | -0.02% | — | |
| 34 | MDY | State Street Spdr S&p Midcap | ETF-Other | 0.62% | -0.07% | -0.88% | |
| 35 | ASML | ASML Holding N.V. | Stock-Tech | 0.61% | -0.07% | — | |
| 36 | TMO | Thermo Fisher Scientific Inc | Stock-Healthcare | 0.60% | +0.15% | — | |
| 37 | META | Meta Platforms Inc-class A | Stock-Comm Services | 0.57% | +0.13% | +2.96% | |
| 38 | DGRW | Wisdomtree U.s. Quality Divi | ETF-Other | 0.57% | — | — | |
| 39 | JPM | Jpmorgan Chase & Co | Stock-Financials | 0.55% | — | +2.53% | |
| 40 | XLV | Ss Health Care Select Sector | ETF-Other | 0.55% | +0.02% | — | |
| 41 | NVDA | Nvidia CORP | Stock-Tech | 0.55% | +0.07% | +1.32% | |
| 42 | JNJ | Johnson & Johnson | Stock-Healthcare | 0.53% | +0.02% | +1.52% | |
| 43 | DE | Deere & Co | Stock-Industrials | 0.53% | +0.03% | +1.62% | |
| 44 | NSC | Norfolk Southern CORP | Stock-Industrials | 0.52% | -0.02% | +0.05% | |
| 45 | HD | Home Depot Inc | Stock-Consumer Disc | 0.51% | -0.21% | -9.55% | |
| 46 | KO | Coca-cola Co/the | Stock-Consumer Staples | 0.50% | +0.02% | +0.03% | |
| 47 | GRMN | Garmin Ltd. | Stock-Tech | 0.49% | +0.07% | — | |
| 48 | LLY | Eli Lilly & Co | Stock-Healthcare | 0.48% | -0.02% | +1.86% | |
| 49 | FDRR | Fidelity Div ETF Rise Rates | ETF-Other | 0.45% | +0.01% | — | |
| 50 | MCD | Mcdonald's CORP | Stock-Consumer Disc | 0.45% | -0.11% | -3.65% |
1–50 of 77
Portfolio Performance
Performance for Q4 2026
+2.4%
Performance Last 4 Quarters
+12.7%
- Stdev
- +16.6%
- Beta
- +1.02
- Alpha
- -0.8%
- Max Drawdown
- -0.6%
- Annualized Perf
- +19.6%
- Batting Avg vs S&P
- +50%
- Sortino
- +2.9
- Stutzer
- +0.37
- Treynor
- +0.19
- Sterling
- —
- Calmar
- +35.64
- Information Ratio
- -0.2
- Tracking Error
- +1.9%
- Stdev Down
- +6.6%
- Winning Months %
- +62.5%
- Losing Months %
- +37.5%
- Best 12 Months
- —
- Worst 12 Months
- —
- Efficiency Ratio
- +0.5
- Sharpe
- +1.16
- Stdev Sectors
- +7.7%
- Skewness
- +0.66
- Kurtosis
- +0.04
- Upside Potential
- +4.31
Reported value over time
Sector allocation
Sector allocation over time
Quarterly history
💡
Data Source Notice: AlphaSMO is the web's most authoritative 13F / Inside Trader database. Institutional holdings and insider trades presented here are precisely computed to deliver accurate portfolio reporting.
Holding changes this quarter
Cdm Financial Counseling Services, Inc.'s most significant position changes for 2026-09-30: Add: Microsoft CORP (MSFT) — shares +0.33%; Trim: Caterpillar Inc (CAT) — shares -0.70%; Add: Ishares Semiconductor ETF (SOXX) — shares +2.02%; Add: Vanguard Total Stock Mkt ETF (VTI) — shares +6.31%; Trim: Home Depot Inc (HD) — shares -9.55%.
| # | Ticker | Issuer | Weight Change | Shares Change | Action |
|---|---|---|---|---|---|
| 1 | MSFT | Microsoft CORP | +1% | +0.33% | Add |
| 2 | VTI | Vanguard Total Stock Mkt ETF | +0.3% | +6.31% | Add |
| 3 | AAPL | Apple Inc | +0.2% | -1.28% | Trim |
| 4 | TMO | Thermo Fisher Scientific Inc | +0.2% | — | Unchanged |
| 5 | MGK | Vanguard Mega Cap Growth ETF | +0.1% | +1.06% | Add |
| 6 | META | Meta Platforms Inc-class A | +0.1% | +2.96% | Add |
| 7 | XLC | Ss Comm Select Sector Spdr | +0.1% | +2.14% | Add |
| 8 | MAR | Marriott International -cl A | +0.1% | +13.51% | Add |
| 9 | SCHD | Schwab US Dvd Equity ETF | +0.1% | +12.91% | Add |
| 10 | GRMN | Garmin Ltd. | +0.1% | — | Unchanged |
| 11 | NVDA | Nvidia CORP | +0.1% | +1.32% | Add |
| 12 | VUG | Vanguard Growth ETF | +0.1% | +0.06% | Add |
| 13 | AMZN | Amazon.com Inc | +0.1% | +3.15% | Add |
| 14 | PM | Philip Morris International | +0.1% | +2.14% | Add |
| 15 | XLK | Ss Technology Select Sector | +0.1% | +0.16% | Add |
| 16 | V | Visa Inc-class A Shares | +0.1% | +0.79% | Add |
| 17 | MA | Mastercard Inc - A | 0% | +1.03% | Add |
| 18 | ICE | Intercontinental Exchange In | 0% | -4.54% | Trim |
| 19 | QQQM | Invesco Nasdaq 100 ETF | 0% | +4.24% | Add |
| 20 | DE | Deere & Co | 0% | +1.62% | Add |
| 21 | RSP | Invesco S&p 500 Equal Weight | 0% | +8.33% | Add |
| 22 | MNST | Monster Beverage CORP | 0% | +157.14% | Add |
| 23 | XLV | Ss Health Care Select Sector | 0% | — | Unchanged |
| 24 | ADP | Automatic Data Processing | 0% | +0.10% | Add |
| 25 | JNJ | Johnson & Johnson | 0% | +1.52% | Add |
| 26 | KO | Coca-cola Co/the | 0% | +0.03% | Add |
| 27 | FHLC | Fidelity Msci Health Care | 0% | +0.02% | Add |
| 28 | VOO | Vanguard S&p 500 ETF | 0% | +1.01% | Add |
| 29 | FDRR | Fidelity Div ETF Rise Rates | 0% | — | Unchanged |
| 30 | AMD | Advanced Micro Devices | 0% | +4.05% | Add |
| 31 | XLG | Invesco S&p 500 Top 50 ETF | 0% | — | Unchanged |
| 32 | IVV | Ishares Core S&p 500 ETF | — | +0.09% | Add |
| 33 | FDVV | Fidelity High Dividend ETF | — | +2.25% | Add |
| 34 | JPM | Jpmorgan Chase & Co | — | +2.53% | Add |
| 35 | UNP | Union Pacific CORP | — | +1.58% | Add |
| 36 | DGRW | Wisdomtree U.s. Quality Divi | — | — | Unchanged |
| 37 | VOOG | Vanguard S&p 500 Growth ETF | — | — | Unchanged |
| 38 | STXF | Strive 500 ETF | — | +0.94% | Add |
| 39 | SCHF | Schwab Intl Equity ETF | — | — | Unchanged |
| 40 | AMLP | Alerian Mlp ETF | — | — | Unchanged |
| 41 | SCHB | Schwab US Broad Market ETF | 0% | — | Unchanged |
| 42 | LMT | Lockheed Martin CORP | 0% | — | Unchanged |
| 43 | EFA | Ishares Msci Eafe ETF | 0% | — | Unchanged |
| 44 | VOT | Vanguard Mid-cap Growth ETF | 0% | — | Unchanged |
| 45 | NSC | Norfolk Southern CORP | 0% | +0.05% | Add |
| 46 | LLY | Eli Lilly & Co | 0% | +1.86% | Add |
| 47 | COST | Costco Wholesale CORP | 0% | — | Unchanged |
| 48 | GD | General Dynamics CORP | 0% | +3.36% | Add |
| 49 | CSX | Csx CORP | 0% | +0.66% | Add |
| 50 | VBK | Vanguard Small-cap Grwth ETF | 0% | +6.47% | Add |
1–50 of 77
Filing History
FAQ
What is Cdm Financial Counseling Services, Inc. and what type of investor is it?
Cdm Financial Counseling Services, Inc. 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 $118.9M, spread across 77 disclosed positions.
What are Cdm Financial Counseling Services, Inc.'s largest equity positions?
Based on the latest 13F filing, Cdm Financial Counseling Services, Inc.'s top holdings by market value are:
1. Ss Spdr S&p 500 ETF Trust-us (SPY) — $14.1M (11.9%)
2. Ss Technology Select Sector (XLK) — $12.6M (10.6%)
3. Vanguard Total Stock Mkt ETF (VTI) — $7.9M (6.6%)
4. Vanguard Dividend Apprec ETF (VIG) — $6.2M (5.2%)
5. Microsoft CORP (MSFT) — $4.7M (4.0%)
What changes did Cdm Financial Counseling Services, Inc. make in its most recent portfolio filing?
In the latest reported quarter, Cdm Financial Counseling Services, Inc. made 58 notable position adjustments: 0 new positions were initiated, 48 existing holdings were added to, 10 positions were partially reduced, and 0 were completely exited. The largest of these moves: Add: Microsoft CORP (MSFT) — shares +0.33%; Trim: Caterpillar Inc (CAT) — shares -0.70%; Add: Ishares Semiconductor ETF (SOXX) — shares +2.02%; Add: Vanguard Total Stock Mkt ETF (VTI) — shares +6.31%; Trim: Home Depot Inc (HD) — shares -9.55%
What sectors does Cdm Financial Counseling Services, Inc. focus on?
Cdm Financial Counseling Services, Inc. is concentrated in the following sectors based on its current disclosed equity portfolio:
• Information Technology: 25.3%
• Industrials: 19.1%
• Consumer Discretionary: 15.0%
• Financials: 14.0%
• Communication Services: 10.2%
• Consumer Staples: 8.8%
Investment Profile
Cdm Financial Counseling Services, Inc. returned an annualized 19.6% over the trailing 8 months — underperforming the S&P 500 by 0.8 points — based on a reconstructed track record of its disclosed 13F positions, with a beta of 1.02 (roughly in line with the market) and a 50% quarterly batting average against the index.
Its portfolio is broadly diversified and long-term-holding.
It has added to its XLK position over the past two quarters (+$3.7M, now $12.6M), while trimming MCD over the same stretch (-$295.8K, still holding $530.7K).
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