Lutz Financial Services LLC — Q3 2025 13F Holdings

Name: Lutz Financial Services LLC — 13F Holdings, Q3 2025
Creator: AlphaSMO
License: https://www.sec.gov/forms

CIK: 0001737112

Total reported value

$1.5B

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Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	VOO	Vanguard S&p 500 ETF	ETF-Large Cap & Growth	10.95%	-0.69%	+1.32%
2	SPYV	Ss Spdr P S&p 500 Value ETF	ETF-Large Cap & Growth	9.08%	+0.03%	+2.70%
3	IJH	Ishares Core S&p Midcap ETF	ETF-Other	7.03%	+0.17%	+2.10%
4	BND	Vanguard Total Bond Market	ETF-Other	6.81%	+0.21%	+6.43%
5	VTEB	Vanguard Tax-exempt Bond ETF	ETF-Other	4.84%	+0.17%	+6.07%
6	MDYV	Ss Spdr S&p 400 Mc Val ETF	ETF-Other	4.38%	+0.10%	+3.56%
7	VCSH	Vanguard S/t CORP Bond ETF	ETF-Corp Bonds	4.31%	+0.15%	+8.19%
8	SCHP	Schwab U.s. Tips ETF	ETF-Other	3.88%	+0.21%	+7.55%
9	MBB	Ishares Mbs ETF	ETF-Other	3.71%	+0.16%	+9.90%
10	SPY	Ss Spdr S&p 500 ETF Trust-us	ETF-Large Cap & Growth	3.36%	-0.21%	-1.40%
11	MUB	Ishares National Muni Bond E	ETF-Other	2.61%	-0.04%	-1.50%
12	DFAC	Dimensional US Core Equity 2	ETF-Other	2.34%	-0.02%	+1.90%
13	IGSB	Ishares 1-5y Inv Grade CORP	ETF-Other	1.84%	-0.07%	+0.61%
14	DFIC	Dimensional International Co	ETF-Other	1.79%	+0.04%	+2.10%
15	IVE	Ishares S&p 500 Value ETF	ETF-Large Cap & Growth	1.64%	-0.04%	-0.71%
16	IJR	Ishares Core S&p Small-cap E	ETF-Small Cap	1.55%	+0.04%	+0.94%
17	AGG	Ishares Core U.s. Aggregate	ETF-Other	1.53%	-0.09%	-2.17%
18	BSV	Vanguard Short-term Bond ETF	ETF-Other	1.45%	-0.05%	+4.96%
19	SCHM	Schwab US Mid Cap ETF	ETF-Other	1.45%	+0.04%	-1.98%
20	DUHP	Dimensional US High Profi Et	ETF-Other	1.41%	-0.02%	+5.47%
21	SCHX	Schwab US Large-cap ETF	ETF-Other	1.40%	+0.21%	-0.19%
22	DFAS	Dimensional US Small Cap ETF	ETF-Small Cap	1.15%	+0.02%	-1.11%
23	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	1.15%	-0.08%	-0.94%
24	VOE	Vanguard Mid-cap Value ETF	ETF-Other	1.13%	+0.03%	-1.35%
25	IJJ	Ishares S&p Mid-cap 400 Valu	ETF-Other	1.13%	—	-0.34%
26	VTV	Vanguard Value ETF	ETF-Other	1.11%	+0.06%	+0.31%
27	VOOV	Vanguard S&p 500 Value ETF	ETF-Large Cap & Growth	1.08%	-0.04%	-0.89%
28	TIP	Ishares Tips Bond ETF	ETF-Other	1.08%	-0.03%	-0.69%
29	QUAL	Ishares Msci USA Quality Fac	ETF-Other	1.03%	—	-1.01%
30	SLYV	Ss Spdr S&p 600 Sc Val ETF	ETF-Other	0.93%	—	-2.12%
31	AVDE	Avantis International Equity	ETF-Other	0.89%	-0.02%	-1.48%
32	IVOV	Vanguard S&p Mid-cap 400 Val	ETF-Other	0.86%	—	-1.38%
33	SCHA	Schwab US Small-cap ETF	ETF-Other	0.83%	-0.02%	-0.80%
34	IUSV	Ishares Core S&p U.s. Value	ETF-Other	0.82%	-0.01%	-0.13%
35	MDY	State Street Spdr S&p Midcap	ETF-Other	0.81%	—	-1.33%
36	AVUV	Avantis US Small Cap Value	ETF-Small Cap	0.71%	+0.09%	+6.02%
37	DFAT	Dimensional US Target Value	ETF-Other	0.59%	+0.01%	-1.57%
38	STIP	Ishares 0-5 Year Tips Bond E	ETF-Other	0.57%	+0.04%	+9.43%
39	DFEM	Dimensional Emrg Mrkt Core	ETF-Other	0.53%	+0.03%	+3.37%
40	SUB	Ishares Short-term National	ETF-Other	0.51%	—	-0.02%
41	DFUV	Dimensional US Marketwide Va	ETF-Other	0.41%	+0.01%	-2.08%
42	IEMG	Ishares Core Msci Emerging	ETF-Emerging Markets	0.41%	+0.01%	-1.40%
43	VBR	Vanguard Small-cap Value ETF	ETF-Other	0.37%	—	-0.72%
44	IJS	Ishares S&p Small-cap 600 Va	ETF-Other	0.35%	+0.01%	-0.23%
45	IWV	Ishares Russell 3000 ETF	ETF-Other	0.35%	-0.02%	-4.37%
46	STPZ	Pimco 1-5 Year US Tips Index	ETF-Large Cap & Growth	0.34%	-0.01%	—
47	ISTB	Ishares Core 1-5 Year Usd Bo	ETF-Other	0.32%	—	+1.38%
48	VTIP	Vanguard Short-term Tips	ETF-Other	0.31%	-0.04%	-0.45%
49	VWO	Vanguard Ftse Emerging Marke	ETF-Emerging Markets	0.31%	—	-1.58%
50	BRK-B	Berkshire Hathaway Inc-cl B	Stock-Other	0.17%	-0.12%	+5.09%

1–50 of 96

Holding changes this quarter

Position changes disclosed by Lutz Financial Services LLC for the quarter ending Q3 2025, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	VOO	Vanguard S&p 500 ETF	+0.7%	+1.32%	Add
2	SCHX	Schwab US Large-cap ETF	+0.3%	-0.19%	Add
3	VTV	Vanguard Value ETF	+0.3%	+0.31%	Add
4	SCHM	Schwab US Mid Cap ETF	+0.3%	-1.98%	Add
5	VOE	Vanguard Mid-cap Value ETF	+0.2%	-1.35%	Add
6	SCHA	Schwab US Small-cap ETF	+0.2%	-0.80%	Add
7	AVUV	Avantis US Small Cap Value	+0.2%	+6.02%	Add
8	DFAC	Dimensional US Core Equity 2	+0.2%	+1.90%	Add
9	QUAL	Ishares Msci USA Quality Fac	+0.1%	-1.01%	Add
10	AVDE	Avantis International Equity	+0.1%	-1.48%	Add
11	DFIC	Dimensional International Co	+0.1%	+2.10%	Add
12	SUB	Ishares Short-term National	+0.1%	-0.02%	Add
13	IJH	Ishares Core S&p Midcap ETF	+0.1%	+2.10%	Add
14	MUB	Ishares National Muni Bond E	+0.1%	-1.50%	Add
15	DUHP	Dimensional US High Profi Et	+0.1%	+5.47%	Add
16	IVV	Ishares Core S&p 500 ETF	+0.1%	-0.94%	Add
17	DFEM	Dimensional Emrg Mrkt Core	+0.1%	+3.37%	Add
18	DFAS	Dimensional US Small Cap ETF	0%	-1.11%	Add
19	NVDA	Nvidia CORP	0%	-0.43%	Trim
20	MSFT	Microsoft CORP	0%	-1.42%	Add
21	STIP	Ishares 0-5 Year Tips Bond E	0%	+9.43%	Add
22	IEMG	Ishares Core Msci Emerging	0%	-1.40%	Trim
23	GOOGL	Alphabet Inc-cl A	0%	+2.99%	Add
24	MBB	Ishares Mbs ETF	0%	+9.90%	Add
25	VWO	Vanguard Ftse Emerging Marke	0%	-1.58%	Trim
26	IWV	Ishares Russell 3000 ETF	0%	-4.37%	Trim
27	AAPL	Apple INC	0%	+6.40%	Add
28	VBR	Vanguard Small-cap Value ETF	—	-0.72%	Add
29	IJS	Ishares S&p Small-cap 600 Va	—	-0.23%	Trim
30	SPY	Ss Spdr S&p 500 ETF Trust-us	0%	-1.40%	Trim
31	DFAT	Dimensional US Target Value	0%	-1.57%	Trim
32	IUSV	Ishares Core S&p U.s. Value	0%	-0.13%	Add
33	MDY	State Street Spdr S&p Midcap	0%	-1.33%	Trim
34	IVOV	Vanguard S&p Mid-cap 400 Val	0%	-1.38%	Trim
35	IJR	Ishares Core S&p Small-cap E	-0.1%	+0.94%	Trim
36	MDYV	Ss Spdr S&p 400 Mc Val ETF	-0.1%	+3.56%	Add
37	IJJ	Ishares S&p Mid-cap 400 Valu	-0.1%	-0.34%	Trim
38	VOOV	Vanguard S&p 500 Value ETF	-0.1%	-0.89%	Trim
39	VCSH	Vanguard S/t CORP Bond ETF	-0.1%	+8.19%	Add
40	VTIP	Vanguard Short-term Tips	-0.1%	-0.45%	Trim
41	BSV	Vanguard Short-term Bond ETF	-0.1%	+4.96%	Add
42	BND	Vanguard Total Bond Market	-0.1%	+6.43%	Add
43	SPYV	Ss Spdr P S&p 500 Value ETF	-0.2%	+2.70%	Add
44	TIP	Ishares Tips Bond ETF	-0.2%	-0.69%	Trim
45	IVE	Ishares S&p 500 Value ETF	-0.2%	-0.71%	Trim
46	AGG	Ishares Core U.s. Aggregate	-0.2%	-2.17%	Trim
47	SCHP	Schwab U.s. Tips ETF	-0.3%	+7.55%	Add
48	VTEB	Vanguard Tax-exempt Bond ETF	-1.1%	+6.07%	Trim
49	AVUS	Avantis U.s. Equity ETF	—	NEW	New buy
50	DFSV	Dimensional US Small Cap Val	—	NEW	New buy