Wolff Financial Management LLC — Q3 2025 13F Holdings

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

CIK: 0001767940

Total reported value

$501.5M

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Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	VUG	Vanguard Growth ETF	ETF-Other	10.14%	+0.70%	-3.88%
2	VEA	Vanguard Ftse Developed ETF	ETF-Other	9.64%	-0.25%	-0.41%
3	DGRO	Ishares Core Dividend Growth	ETF-Other	8.49%	-0.26%	+2.93%
4	SDY	Ss Spdr S&p Dividend ETF	ETF-Other	8.04%	-0.39%	+3.83%
5	VYM	Vanguard High Dvd Yield ETF	ETF-Other	7.10%	-0.31%	+2.86%
6	VB	Vanguard Small-cap ETF	ETF-Other	6.95%	+0.20%	+3.60%
7	VCSH	Vanguard S/t CORP Bond ETF	ETF-Corp Bonds	6.82%	-0.37%	+23.13%
8	VGSH	Vanguard Short-term Treasury	ETF-Gov Bonds	5.99%	-0.22%	+21.24%
9	VO	Vanguard Mid-cap ETF	ETF-Other	5.93%	+0.09%	+1.32%
10	VCRB	Vanguard Core Bond ETF	ETF-Other	2.89%	—	—
11	VOT	Vanguard Mid-cap Growth ETF	ETF-Other	2.75%	+0.32%	-1.92%
12	LLY	Eli Lilly & Co	Stock-Healthcare	1.45%	+0.19%	-2.46%
13	VBK	Vanguard Small-cap Grwth ETF	ETF-Other	1.40%	+0.05%	-0.31%
14	SPEM	State Street Sp Ptf Em ETF	ETF-Other	1.27%	+0.02%	+1.83%
15	RPG	Invesco S&p 500 Pure Growth	ETF-Large Cap & Growth	1.20%	+0.24%	-0.49%
16	AAPL	Apple INC	Stock-Tech	1.04%	+0.02%	-10.96%
17	VGT	Vanguard Info Tech ETF	ETF-Tech	0.99%	+0.16%	-0.14%
18	MZTI	Marzetti Company/the	Stock-Consumer Staples	0.95%	-0.19%	—
19	HDV	Ishares Core High Dividend E	ETF-Other	0.91%	—	-0.39%
20	VBR	Vanguard Small-cap Value ETF	ETF-Other	0.80%	-0.04%	+0.41%
21	SYK	Stryker CORP	Stock-Healthcare	0.78%	—	-9.67%
22	MSFT	Microsoft CORP	Stock-Tech	0.78%	+0.05%	+0.17%
23	KEL	Kellanova	Stock-Other	0.56%	—	-7.26%
24	CAT	Caterpillar INC	Stock-Industrials	0.55%	+0.17%	—
25	QQQ	Invesco Qqq Trust Series 1	ETF-Tech	0.46%	+0.06%	—
26	BRK-B	Berkshire Hathaway Inc-cl B	Stock-Other	0.38%	—	—
27	VOE	Vanguard Mid-cap Value ETF	ETF-Other	0.37%	—	-5.14%
28	VDC	Vanguard Consumer Staple ETF	ETF-Other	0.36%	—	-12.95%
29	PG	Procter & Gamble Co/the	Stock-Consumer Staples	0.36%	—	-0.03%
30	QCOM	Qualcomm INC	Stock-Tech	0.36%	+0.03%	-0.02%
31	VTV	Vanguard Value ETF	ETF-Other	0.35%	—	+0.50%
32	MCD	Mcdonald's CORP	Stock-Consumer Disc	0.35%	-0.07%	-0.34%
33	EFA	Ishares Msci Eafe ETF	ETF-Other	0.33%	-0.01%	-3.93%
34	VIG	Vanguard Dividend Apprec ETF	ETF-Other	0.31%	—	—
35	DVY	Ishares Select Dividend ETF	ETF-Other	0.30%	—	+0.09%
36	CVX	Chevron CORP	Stock-Energy	0.28%	-0.10%	-0.03%
37	PFE	Pfizer INC	Stock-Healthcare	0.26%	-0.06%	+0.19%
38	V	Visa Inc-class A Shares	Stock-Financials	0.25%	—	+0.03%
39	META	Meta Platforms Inc-class A	Stock-Comm Services	0.25%	—	+3.73%
40	VZ	Verizon Communications INC	Stock-Comm Services	0.24%	-0.06%	-12.16%
41	JPM	Jpmorgan Chase & Co	Stock-Financials	0.23%	—	-0.09%
42	QUAL	Ishares Msci USA Quality Fac	ETF-Other	0.23%	+0.01%	-0.52%
43	VTEB	Vanguard Tax-exempt Bond ETF	ETF-Other	0.23%	—	+0.48%
44	MO	Altria Group INC	Stock-Consumer Staples	0.22%	—	+1.58%
45	MRK	Merck & Co. INC.	Stock-Healthcare	0.22%	—	-0.13%
46	AEP	American Electric Power	Stock-Utilities	0.21%	—	-0.15%
47	SPLV	Invesco S&p 500 Low Volatili	ETF-Large Cap & Growth	0.20%	—	+0.40%
48	VAW	Vanguard Materials ETF	ETF-Other	0.20%	—	-0.50%
49	RTX	Rtx CORP	Stock-Industrials	0.19%	—	-1.31%
50	PEP	Pepsico INC	Stock-Consumer Staples	0.19%	-0.04%	-0.02%

1–50 of 101

Holding changes this quarter

Position changes disclosed by Wolff Financial Management LLC for the quarter ending Q3 2025, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	VCSH	Vanguard S/t CORP Bond ETF	+0.5%	+23.13%	Add
2	VUG	Vanguard Growth ETF	+0.4%	-3.88%	Trim
3	VGSH	Vanguard Short-term Treasury	+0.3%	+21.24%	Add
4	VGT	Vanguard Info Tech ETF	+0.1%	-0.14%	Trim
5	MSFT	Microsoft CORP	+0.1%	+0.17%	Add
6	VB	Vanguard Small-cap ETF	+0.1%	+3.60%	Add
7	CAT	Caterpillar INC	+0.1%	—	Unchanged
8	SPEM	State Street Sp Ptf Em ETF	+0.1%	+1.83%	Add
9	GOOGL	Alphabet Inc-cl A	0%	+0.08%	Add
10	RPG	Invesco S&p 500 Pure Growth	0%	-0.49%	Trim
11	QQQ	Invesco Qqq Trust Series 1	0%	—	Add
12	JPM	Jpmorgan Chase & Co	0%	-0.09%	Unchanged
13	GLD	Spdr Gold Shares	0%	—	Add
14	TD	Toronto-dominion Bank	0%	—	Unchanged
15	META	Meta Platforms Inc-class A	—	+3.73%	Trim
16	RTX	Rtx CORP	—	-1.31%	Trim
17	VOT	Vanguard Mid-cap Growth ETF	0%	-1.92%	Trim
18	VBK	Vanguard Small-cap Grwth ETF	0%	-0.31%	Trim
19	VIG	Vanguard Dividend Apprec ETF	0%	—	Unchanged
20	EFA	Ishares Msci Eafe ETF	0%	-3.93%	Trim
21	VBR	Vanguard Small-cap Value ETF	-0.1%	+0.41%	Add
22	AMGN	Amgen INC	-0.1%	—	Trim
23	BMY	Bristol-myers Squibb Co	-0.1%	-0.05%	Add
24	VEA	Vanguard Ftse Developed ETF	-0.1%	-0.41%	Add
25	UPS	United Parcel Service-cl B	-0.1%	+0.03%	Add
26	MRK	Merck & Co. INC.	-0.1%	-0.13%	Trim
27	VO	Vanguard Mid-cap ETF	-0.1%	+1.32%	Add
28	VZ	Verizon Communications INC	-0.1%	-12.16%	Trim
29	PG	Procter & Gamble Co/the	-0.1%	-0.03%	Add
30	CVX	Chevron CORP	-0.1%	-0.03%	Trim
31	VDC	Vanguard Consumer Staple ETF	-0.2%	-12.95%	Trim
32	AAPL	Apple INC	-0.2%	-10.96%	Trim
33	KEL	Kellanova	-0.2%	-7.26%	Trim
34	DGRO	Ishares Core Dividend Growth	-0.3%	+2.93%	Add
35	VYM	Vanguard High Dvd Yield ETF	-0.3%	+2.86%	Add
36	LLY	Eli Lilly & Co	-0.6%	-2.46%	Trim
37	SDY	Ss Spdr S&p Dividend ETF	-0.7%	+3.83%	Add
38	VCRB	Vanguard Core Bond ETF	—	NEW	New buy
39	TFC	Truist Financial CORP	—	NEW	New buy
40	WDC	Western Digital CORP	—	NEW	New buy
41	AVGO	Broadcom INC	—	NEW	New buy
42	GIS	General Mills INC	—	EXIT	Sold out
43	DOW	Dow INC	—	EXIT	Sold out
44	NVDA	Nvidia CORP	—	NEW	New buy
45	WMT	Walmart INC	—	NEW	New buy
46	TSM	Taiwan Semiconductor-sp Adr	—	NEW	New buy
47	SIVR	Abrdn Physical Silver Shares	—	NEW	New buy
48	MCI	Barings Corporate Investors	—	EXIT	Sold out
49	IVV	Ishares Core S&p 500 ETF	—	NEW	New buy
50	MDLZ	Mondelez International Inc-a	—	EXIT	Sold out