Penney Financial, LLC — Q4 2025 13F Holdings

Name: Penney Financial, LLC — 13F Holdings, Q4 2025
Creator: AlphaSMO
License: https://www.sec.gov/forms

CIK: 0002049857

Total reported value

$260.6M

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Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	GSLC	Goldman Activebeta US Lc ETF	ETF-Commodities	24.14%	-1.21%	+8.43%
2	VTI	Vanguard Total Stock Mkt ETF	ETF-Other	16.05%	-0.24%	+4.74%
3	VEA	Vanguard Ftse Developed ETF	ETF-Other	8.24%	+0.21%	+8.64%
4	SGOV	Ishares 0-3 Month Treasury B	ETF-Gov Bonds	7.12%	-0.46%	+55.92%
5	IEFA	Ishares Core Msci Eafe ETF	ETF-Other	4.54%	+0.32%	+11.11%
6	JPIE	Jpmorgan Income ETF	ETF-Other	3.60%	+0.09%	+12.44%
7	VYM	Vanguard High Dvd Yield ETF	ETF-Other	3.37%	+0.08%	+6.81%
8	SCHD	Schwab US Dvd Equity ETF	ETF-Other	3.25%	+0.38%	+0.14%
9	EVTR	Eaton Vance Total Return	ETF-Other	2.67%	+0.04%	+13.98%
10	VCRB	Vanguard Core Bond ETF	ETF-Other	2.66%	+0.07%	+14.34%
11	FLMI	Franklin Dynamic Municipal B	ETF-Other	2.50%	+0.29%	+240.28%
12	VB	Vanguard Small-cap ETF	ETF-Other	2.45%	—	+6.71%
13	JEPI	Jpmorgan Equity Premium Inco	ETF-Other	2.16%	+0.01%	+8.10%
14	CGMU	Cap Group Municipal Income	ETF-Other	1.73%	+0.20%	+179.22%
15	AGG	Ishares Core U.s. Aggregate	ETF-Other	1.71%	+0.01%	+6.58%
16	DFNM	Dimensional National Muni Bd	ETF-Other	1.64%	+0.14%	+178.24%
17	HELO	Jpmorgan Hedged Equity ETF	ETF-Other	1.64%	+0.03%	+4.31%
18	VTEB	Vanguard Tax-exempt Bond ETF	ETF-Other	1.42%	+0.07%	+26.45%
19	VXUS	Vanguard Total Intl Stock	ETF-Other	1.20%	+0.02%	+9.63%
20	SCHB	Schwab US Broad Market ETF	ETF-Other	1.12%	-0.04%	+0.45%
21	SUB	Ishares Short-term National	ETF-Other	1.01%	-0.01%	+4.35%
22	AAPL	Apple INC	Stock-Tech	0.93%	-0.06%	+5.16%
23	VOO	Vanguard S&p 500 ETF	ETF-Large Cap & Growth	0.50%	—	+64.68%
24	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	0.36%	-0.02%	—
25	MSFT	Microsoft CORP	Stock-Tech	0.35%	-0.09%	—
26	IWB	Ishares Russell 1000 ETF	ETF-Other	0.34%	-0.01%	—
27	CVX	Chevron CORP	Stock-Energy	0.32%	+0.03%	—
28	JQUA	Jpmorgan US Quality Factor	ETF-Other	0.29%	-0.02%	—
29	AMZN	Amazon.com INC	Stock-Consumer Disc	0.27%	-0.01%	-5.34%
30	IWM	Ishares Russell 2000 ETF	ETF-Small Cap	0.21%	—	—
31	LNG	Cheniere Energy INC	Stock-Energy	0.20%	+0.10%	—
32	ITOT	Ishares Core S&p Total U.s.	ETF-Other	0.20%	+0.09%	—
33	AVGO	Broadcom INC	Stock-Tech	0.13%	-0.13%	EXIT
34	FDX	Fedex CORP	Stock-Industrials	0.13%	+0.01%	—
35	LLY	Eli Lilly & Co	Stock-Healthcare	0.12%	-0.12%	EXIT
36	EQNR	Equinor Asa-spon Adr	Stock-Energy	0.12%	-0.01%	—
37	GVA	Granite Construction INC	Stock-Industrials	0.12%	—	—
38	BSV	Vanguard Short-term Bond ETF	ETF-Other	0.12%	—	—
39	NSP	Insperity INC	Stock-Other	0.10%	-0.10%	EXIT
40	SCHX	Schwab US Large-cap ETF	ETF-Other	0.10%	—	—
41	XOM	Exxon Mobil CORP	Stock-Energy	0.10%	+0.01%	+7.95%
42	GOOGL	Alphabet Inc-cl A	Stock-Comm Services	0.10%	-0.01%	—
43	META	Meta Platforms Inc-class A	Stock-Comm Services	0.10%	-0.01%	—
44	VUG	Vanguard Growth ETF	ETF-Other	0.10%	—	—
45	IJH	Ishares Core S&p Midcap ETF	ETF-Other	0.09%	—	-14.37%
46	CWI	State Street Spdr Msci Acwi	ETF-Other	0.09%	—	—
47	V	Visa Inc-class A Shares	Stock-Financials	0.09%	-0.09%	EXIT
48	JPM	Jpmorgan Chase & Co	Stock-Financials	0.08%	-0.08%	EXIT
49	BTI	British American Tob-sp Adr	Stock-Consumer Staples	0.08%	—	—

Holding changes this quarter

Position changes disclosed by Penney Financial, LLC for the quarter ending Q4 2025, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	SGOV	Ishares 0-3 Month Treasury B	+1.8%	+55.92%	Add
2	FLMI	Franklin Dynamic Municipal B	+1.7%	+240.28%	Add
3	CGMU	Cap Group Municipal Income	+1%	+179.22%	Add
4	DFNM	Dimensional National Muni Bd	+1%	+178.24%	Add
5	VOO	Vanguard S&p 500 ETF	+0.2%	+64.68%	Add
6	VTEB	Vanguard Tax-exempt Bond ETF	+0.1%	+26.45%	Add
7	LLY	Eli Lilly & Co	0%	+0.34%	Add
8	FDX	Fedex CORP	0%	—	Unchanged
9	XOM	Exxon Mobil CORP	—	+7.95%	Add
10	GVA	Granite Construction INC	0%	—	Unchanged
11	CWI	State Street Spdr Msci Acwi	0%	—	Unchanged
12	V	Visa Inc-class A Shares	0%	—	Unchanged
13	JPM	Jpmorgan Chase & Co	0%	—	Unchanged
14	VUG	Vanguard Growth ETF	0%	—	Unchanged
15	AVGO	Broadcom INC	0%	—	Unchanged
16	SCHX	Schwab US Large-cap ETF	0%	—	Unchanged
17	AAPL	Apple INC	0%	+5.16%	Add
18	IJH	Ishares Core S&p Midcap ETF	0%	-14.37%	Trim
19	META	Meta Platforms Inc-class A	0%	—	Unchanged
20	ITOT	Ishares Core S&p Total U.s.	0%	—	Unchanged
21	EQNR	Equinor Asa-spon Adr	0%	—	Unchanged
22	IWM	Ishares Russell 2000 ETF	0%	—	Unchanged
23	VXUS	Vanguard Total Intl Stock	0%	+9.63%	Add
24	AMZN	Amazon.com INC	0%	-5.34%	Trim
25	EVTR	Eaton Vance Total Return	-0.1%	+13.98%	Add
26	NSP	Insperity INC	-0.1%	—	Unchanged
27	IVV	Ishares Core S&p 500 ETF	-0.1%	—	Unchanged
28	IWB	Ishares Russell 1000 ETF	-0.1%	—	Unchanged
29	JQUA	Jpmorgan US Quality Factor	-0.1%	—	Unchanged
30	VCRB	Vanguard Core Bond ETF	-0.1%	+14.34%	Add
31	CVX	Chevron CORP	-0.1%	—	Unchanged
32	IEFA	Ishares Core Msci Eafe ETF	-0.1%	+11.11%	Add
33	LNG	Cheniere Energy INC	-0.1%	—	Unchanged
34	MSFT	Microsoft CORP	-0.1%	—	Unchanged
35	JPIE	Jpmorgan Income ETF	-0.1%	+12.44%	Add
36	SUB	Ishares Short-term National	-0.1%	+4.35%	Add
37	HELO	Jpmorgan Hedged Equity ETF	-0.1%	+4.31%	Add
38	JEPI	Jpmorgan Equity Premium Inco	-0.2%	+8.10%	Add
39	SCHB	Schwab US Broad Market ETF	-0.2%	+0.45%	Add
40	AGG	Ishares Core U.s. Aggregate	-0.2%	+6.58%	Add
41	VB	Vanguard Small-cap ETF	-0.2%	+6.71%	Add
42	VEA	Vanguard Ftse Developed ETF	-0.2%	+8.64%	Add
43	VYM	Vanguard High Dvd Yield ETF	-0.2%	+6.81%	Add
44	SCHD	Schwab US Dvd Equity ETF	-0.5%	+0.14%	Add
45	GSLC	Goldman Activebeta US Lc ETF	-1.3%	+8.43%	Add
46	VTI	Vanguard Total Stock Mkt ETF	-1.4%	+4.74%	Add
47	SHYM	Ishares Short Duration High	—	EXIT	Sold out
48	GOOGL	Alphabet Inc-cl A	—	NEW	New buy
49	BTI	British American Tob-sp Adr	—	NEW	New buy
50	XLK	Ss Technology Select Sector	—	EXIT	Sold out