OLIO Financial Planning — Q3 2025 13F Holdings

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

CIK: 0001906766

Total reported value

$361.0M

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Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	DFUS	Dimensional US Eq Mkt ETF	ETF-Other	17.53%	-0.47%	+1.84%
2	VTV	Vanguard Value ETF	ETF-Other	17.35%	+0.47%	+4.64%
3	VEA	Vanguard Ftse Developed ETF	ETF-Other	14.26%	+0.04%	+2.14%
4	FBND	Fidelity Total Bond ETF	ETF-Other	12.51%	+0.27%	+4.34%
5	VTI	Vanguard Total Stock Mkt ETF	ETF-Other	11.97%	-0.80%	-4.32%
6	VOE	Vanguard Mid-cap Value ETF	ETF-Other	4.81%	+0.21%	+5.15%
7	DFAT	Dimensional US Target Value	ETF-Other	3.61%	+0.20%	+7.64%
8	VEU	Vanguard Ftse All-world Ex-u	ETF-Other	2.94%	+0.07%	-4.56%
9	SCHD	Schwab US Dvd Equity ETF	ETF-Other	1.27%	+0.09%	+2.50%
10	VTEB	Vanguard Tax-exempt Bond ETF	ETF-Other	1.21%	+0.03%	-13.46%
11	VBR	Vanguard Small-cap Value ETF	ETF-Other	0.91%	—	-2.94%
12	SPEM	State Street Sp Ptf Em ETF	ETF-Other	0.87%	-0.01%	-4.42%
13	SPSB	Ss Spdr P St C CORP ETF	ETF-Other	0.66%	+0.01%	-1.39%
14	VWO	Vanguard Ftse Emerging Marke	ETF-Emerging Markets	0.65%	-0.02%	-0.85%
15	AAPL	Apple INC	Stock-Tech	0.62%	—	-1.12%
16	ESGD	Ishares Trust Ishares Esg Aw	ETF-Other	0.59%	—	-8.89%
17	VXUS	Vanguard Total Intl Stock	ETF-Other	0.50%	+0.06%	-1.85%
18	SCHE	Schwab Emrg Mrkts Eqty ETF	ETF-Other	0.44%	-0.02%	-2.99%
19	VO	Vanguard Mid-cap ETF	ETF-Other	0.41%	-0.04%	+7.29%
20	ESGU	Ishares Esg Aware Msci USA	ETF-Other	0.36%	-0.02%	+4.41%
21	BRK-B	Berkshire Hathaway Inc-cl B	Stock-Other	0.30%	-0.02%	-0.44%
22	JMST	JPM Ultra-short Muni Income	ETF-Other	0.25%	+0.01%	+12.44%
23	ESGE	Ishares INC Ishares Esg Awar	ETF-Other	0.25%	—	-3.64%
24	VOO	Vanguard S&p 500 ETF	ETF-Large Cap & Growth	0.25%	+0.17%	+0.74%
25	AMZN	Amazon.com INC	Stock-Consumer Disc	0.24%	-0.05%	-4.89%
26	SPTM	Ss Spdr P S&p 1500 Comp ETF	ETF-Other	0.24%	-0.01%	—
27	EMXC	Ishares Msci Emr Mrk Ex Chna	ETF-Other	0.24%	—	-6.78%
28	NVDA	Nvidia CORP	Stock-Tech	0.23%	+0.01%	+0.57%
29	BAH	Booz Allen Hamilton Holdings	Stock-Industrials	0.21%	+0.02%	—
30	AEG	Aegon Ltd-ny Reg Shr	Stock-Other	0.20%	-0.01%	—
31	JPM	Jpmorgan Chase & Co	Stock-Financials	0.19%	-0.03%	-5.85%
32	SCHB	Schwab US Broad Market ETF	ETF-Other	0.19%	-0.01%	-0.00%
33	MSFT	Microsoft CORP	Stock-Tech	0.18%	-0.03%	-1.42%
34	BIV	Vanguard Intermediate-term B	ETF-Other	0.17%	—	+0.01%
35	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	0.16%	-0.04%	+10.80%
36	GLD	Spdr Gold Shares	ETF-Commodities	0.16%	+0.01%	+0.13%
37	MUB	Ishares National Muni Bond E	ETF-Other	0.15%	—	-0.44%
38	ISRG	Intuitive Surgical INC	Stock-Healthcare	0.15%	-0.04%	—
39	ITOT	Ishares Core S&p Total U.s.	ETF-Other	0.15%	-0.03%	—
40	ESML	Ishares Esg Aware Msci USA S	ETF-Other	0.15%	—	+0.87%
41	NSC	Norfolk Southern CORP	Stock-Industrials	0.15%	—	+69.69%
42	META	Meta Platforms Inc-class A	Stock-Comm Services	0.14%	-0.03%	+8.40%
43	QQQ	Invesco Qqq Trust Series 1	ETF-Tech	0.14%	-0.02%	-36.38%
44	GOOG	Alphabet Inc-cl C	Stock-Comm Services	0.14%	—	+6.88%
45	D	Dominion Energy INC	Stock-Utilities	0.12%	—	+0.20%
46	CSL	Carlisle Cos INC	Stock-Industrials	0.12%	—	—
47	RTX	Rtx CORP	Stock-Industrials	0.11%	—	+0.31%
48	XLK	Ss Technology Select Sector	ETF-Tech	0.11%	-0.01%	—
49	GOOD	Gladstone Commercial CORP	Stock-Other	0.10%	—	—
50	BSV	Vanguard Short-term Bond ETF	ETF-Other	0.10%	—	-1.01%

1–50 of 67

Holding changes this quarter

Position changes disclosed by OLIO Financial Planning for the quarter ending Q3 2025, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	DFUS	Dimensional US Eq Mkt ETF	+1.6%	+1.84%	Add
2	DFAT	Dimensional US Target Value	+0.4%	+7.64%	Add
3	VEA	Vanguard Ftse Developed ETF	+0.4%	+2.14%	Add
4	SPEM	State Street Sp Ptf Em ETF	+0.2%	-4.42%	Add
5	JMST	JPM Ultra-short Muni Income	+0.2%	+12.44%	Add
6	NVDA	Nvidia CORP	+0.1%	+0.57%	Trim
7	GOOG	Alphabet Inc-cl C	+0.1%	+6.88%	Add
8	VTEB	Vanguard Tax-exempt Bond ETF	0%	-13.46%	Add
9	META	Meta Platforms Inc-class A	0%	+8.40%	Add
10	ESGU	Ishares Esg Aware Msci USA	0%	+4.41%	Add
11	XLK	Ss Technology Select Sector	0%	—	Unchanged
12	VOE	Vanguard Mid-cap Value ETF	0%	+5.15%	Add
13	IVV	Ishares Core S&p 500 ETF	0%	+10.80%	Add
14	VOO	Vanguard S&p 500 ETF	0%	+0.74%	Trim
15	MSFT	Microsoft CORP	0%	-1.42%	Trim
16	AEG	Aegon Ltd-ny Reg Shr	0%	—	Unchanged
17	GLD	Spdr Gold Shares	0%	+0.13%	Add
18	SCHB	Schwab US Broad Market ETF	0%	-0.00%	Trim
19	ESML	Ishares Esg Aware Msci USA S	0%	+0.87%	Add
20	RTX	Rtx CORP	0%	+0.31%	Trim
21	D	Dominion Energy INC	0%	+0.20%	Add
22	SPTM	Ss Spdr P S&p 1500 Comp ETF	—	—	Unchanged
23	ESGE	Ishares INC Ishares Esg Awar	—	-3.64%	Trim
24	JPM	Jpmorgan Chase & Co	—	-5.85%	Trim
25	ITOT	Ishares Core S&p Total U.s.	—	—	Unchanged
26	VTV	Vanguard Value ETF	0%	+4.64%	Add
27	EMXC	Ishares Msci Emr Mrk Ex Chna	0%	-6.78%	Trim
28	VWO	Vanguard Ftse Emerging Marke	0%	-0.85%	Trim
29	VXUS	Vanguard Total Intl Stock	0%	-1.85%	Trim
30	AAPL	Apple INC	0%	-1.12%	Trim
31	VEU	Vanguard Ftse All-world Ex-u	-0.1%	-4.56%	Trim
32	GOOD	Gladstone Commercial CORP	-0.1%	—	Unchanged
33	VBR	Vanguard Small-cap Value ETF	-0.1%	-2.94%	Trim
34	QQQ	Invesco Qqq Trust Series 1	-0.1%	-36.38%	Trim
35	SPSB	Ss Spdr P St C CORP ETF	-0.1%	-1.39%	Add
36	BRK-B	Berkshire Hathaway Inc-cl B	-0.1%	-0.44%	Trim
37	BSV	Vanguard Short-term Bond ETF	-0.1%	-1.01%	Trim
38	BIV	Vanguard Intermediate-term B	-0.1%	+0.01%	Trim
39	BAH	Booz Allen Hamilton Holdings	-0.2%	—	Trim
40	SCHD	Schwab US Dvd Equity ETF	-0.4%	+2.50%	Trim
41	VTI	Vanguard Total Stock Mkt ETF	-0.9%	-4.32%	Trim
42	FBND	Fidelity Total Bond ETF	-1%	+4.34%	Add
43	NSC	Norfolk Southern CORP	—	NEW	New buy
44	SUSA	Ishares Esg Optimized Msci U	—	NEW	New buy
45	IBIT	Ishares Bitcoin Trust ETF	—	NEW	New buy
46	LDOS	Leidos Holdings INC	—	NEW	New buy
47	TSLA	Tesla INC	—	NEW	New buy
48	NFLX	Netflix INC	—	NEW	New buy
49	RSPT	Invesco S&p 500 Equal Weight	—	NEW	New buy
50	VB	Vanguard Small-cap ETF	—	NEW	New buy