CIK: 0002052271
Total reported value
$103.0M
Reporting period: 2025-03-31 · Number of holdings: 45
Michael A. Dubis Financial Planning, LLC disclosed 45 holdings in its latest 13F filing for the period ending 2025-03-31, with total reported value of $103.0M and a quarterly turnover rate of 0.0%.
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Michael A. Dubis Financial Planning, LLC's disclosed holdings carry a Herfindahl concentration index of 0.102 — mathematically equivalent to about 10 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 1.91), 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 4% 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.
No holding changes this quarter
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 21.13% | — | +1.46% | |
| 2 | SGOV | Ishares 0-3 Month Treasury B | ETF-Gov Bonds | 13.94% | — | -0.92% | |
| 3 | VGIT | Vanguard Intermediate-term T | ETF-Other | 12.94% | — | +4.15% | |
| 4 | VGSH | Vanguard Short-term Treasury | ETF-Gov Bonds | 11.55% | — | +1.96% | |
| 5 | SPTS | Ss Spdr P St Term Tsy ETF | ETF-Other | 4.79% | — | +0.48% | |
| 6 | DFIC | Dimensional International Co | ETF-Other | 3.48% | — | +5.25% | |
| 7 | SPTM | Ss Spdr P S&p 1500 Comp ETF | ETF-Other | 2.73% | — | +0.05% | |
| 8 | AAPL | Apple INC | Stock-Tech | 2.12% | — | — | |
| 9 | VNQ | Vanguard Real Estate ETF | ETF-Other | 2.00% | — | +1.56% | |
| 10 | ITOT | Ishares Core S&p Total U.s. | ETF-Other | 1.65% | — | +0.02% | |
| 11 | VEA | Vanguard Ftse Developed ETF | ETF-Other | 1.62% | — | +1.54% | |
| 12 | MGC | Vanguard Mega Cap ETF | ETF-Other | 1.52% | — | — | |
| 13 | VXUS | Vanguard Total Intl Stock | ETF-Other | 1.33% | — | +1.75% | |
| 14 | DCOR | Dimensional US Core Eq 1 ETF | ETF-Other | 1.28% | — | +6.07% | |
| 15 | VV | Vanguard Large-cap ETF | ETF-Other | 1.23% | — | — | |
| 16 | DFAC | Dimensional US Core Equity 2 | ETF-Other | 1.12% | — | — | |
| 17 | BIL | Ss Spdr Bb 1-3m T-bill ETF | ETF-Gov Bonds | 1.06% | — | -7.61% | |
| 18 | VO | Vanguard Mid-cap ETF | ETF-Other | 1.02% | — | — | |
| 19 | VIG | Vanguard Dividend Apprec ETF | ETF-Other | 0.96% | — | +0.02% | |
| 20 | DFAS | Dimensional US Small Cap ETF | ETF-Small Cap | 0.93% | — | — | |
| 21 | VTIP | Vanguard Short-term Tips | ETF-Other | 0.90% | — | +5.76% | |
| 22 | BSV | Vanguard Short-term Bond ETF | ETF-Other | 0.87% | — | +0.18% | |
| 23 | LMT | Lockheed Martin CORP | Stock-Industrials | 0.87% | — | — | |
| 24 | ISTB | Ishares Core 1-5 Year Usd Bo | ETF-Other | 0.86% | — | -0.92% | |
| 25 | SDY | Ss Spdr S&p Dividend ETF | ETF-Other | 0.69% | — | — | |
| 26 | VEU | Vanguard Ftse All-world Ex-u | ETF-Other | 0.64% | — | +0.01% | |
| 27 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 0.62% | — | — | |
| 28 | TRV | Travelers Cos Inc/the | Stock-Financials | 0.57% | — | — | |
| 29 | SUB | Ishares Short-term National | ETF-Other | 0.54% | — | +4.29% | |
| 30 | SCHF | Schwab Intl Equity ETF | ETF-Other | 0.51% | — | — | |
| 31 | DFAI | Dimensional International Co | ETF-Other | 0.49% | — | +0.10% | |
| 32 | WFC | Wells Fargo & Co | Stock-Financials | 0.45% | — | — | |
| 33 | VWO | Vanguard Ftse Emerging Marke | ETF-Emerging Markets | 0.45% | — | +0.17% | |
| 34 | ESGD | Ishares Trust Ishares Esg Aw | ETF-Other | 0.33% | — | — | |
| 35 | SCHB | Schwab US Broad Market ETF | ETF-Other | 0.31% | — | — | |
| 36 | DFAU | Dimensional US Core Equity M | ETF-Other | 0.30% | — | +0.05% | |
| 37 | DFAX | Dimensional World Ex US Core | ETF-Other | 0.28% | — | +11.38% | |
| 38 | MUB | Ishares National Muni Bond E | ETF-Other | 0.28% | — | -20.78% | |
| 39 | MMM | 3m Co | Stock-Industrials | 0.27% | — | — | |
| 40 | DFSU | Dimensional US Sus Core1 ETF | ETF-Other | 0.25% | — | — | |
| 41 | USB | US Bancorp | Stock-Financials | 0.24% | — | — | |
| 42 | CVX | Chevron CORP | Stock-Energy | 0.23% | — | +0.07% | |
| 43 | AVDE | Avantis International Equity | ETF-Other | 0.22% | — | — | |
| 44 | BRK-B | Berkshire Hathaway Inc-cl B | Stock-Other | 0.21% | — | — | |
| 45 | TGT | Target CORP | Stock-Consumer Disc | 0.20% | — | — |
Performance for Q3 2026
+2.3%
Performance Last 4 Quarters
+11.4%
Based on 54% of reported portfolio value with available pricing
| # | Ticker | Issuer | Weight Change | Shares Change | Action |
|---|
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2025-03-31 | 2025-04-15 | 13F-HR | View on EDGAR |
| 2024-12-31 | 2025-02-12 | 13F-HR | View on EDGAR |
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