CF

Carter Financial, LLC

Sector-focusedMomentum followerQuality / disciplined sizing

Total reported value

$115.0M

Reporting period: 2026-03-31 · Number of holdings: 28

Carter Financial, LLC disclosed 28 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $115.0M and a quarterly turnover rate of 12.1%.

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Personality snowflake

Concentration
60.37
Portfolio Stability
12.12
Momentum/Contrarian
100
Sector conviction
100
Diversification
56
Sizing Uniformity
81.71

Recent moves

  • Trim VUG

    +1.5%　-$2.8M

  • Trim VTI

    -4.6%　-$2.4M

  • Add JMST

    +269.5%　$1.5M

  • Add LMBS

    +14.9%　$1.5M

  • Add FNDF

    +312.9%　$812.9K

  • Add CGDV

    +9.0%　$995.0K

Holdings Map

New buyAddUnchangedTrim

Top 10 holdings by weight

Full holdings list this quarter

#TickerIssuerAsset SubclassWeightWeight ChangeShares Change4Q Trend
1VUGVanguard Growth ETFETF-Other24.53%-2.86%+1.51%
2VTIVanguard Total Stock Mkt ETFETF-Other21.45%-2.39%-4.60%
3CGDVCap Group Dividend ValueETF-Other14.67%+0.66%+9.02%
4LMBSFirst Trust Low Duration OppETF-Other10.35%+1.18%+14.94%
5VTVVanguard Value ETFETF-Other9.07%-0.10%-2.30%
6VBVanguard Small-cap ETFETF-Other5.03%-0.04%-0.87%
7VNQVanguard Real Estate ETFETF-Other2.41%-0.32%-10.77%
8JMSTJPM Ultra-short Muni IncomeETF-Other1.75%+1.27%+269.52%
9VOOVanguard S&p 500 ETFETF-Large Cap & Growth1.29%+0.60%+99.84%
10AAPLApple INCStock-Tech1.28%-0.11%—
11JMUBJpmorgan Municipal ETFETF-Other1.12%+0.46%+72.03%
12VXUSVanguard Total Intl StockETF-Other1.08%——
13FNDFSchwab Fndmn Intl Lrg Co ETFETF-Other0.91%+0.70%+312.95%
14VTEBVanguard Tax-exempt Bond ETFETF-Other0.88%-0.05%-3.41%
15CATHGlobal X S&p 500 Ca Val ETFETF-Large Cap & Growth0.52%-0.03%+0.49%
16JPSTJpmorgan Ultra-short IncomeETF-Other0.47%+0.47%NEW
17VVisa Inc-class A SharesStock-Financials0.46%-0.08%—
18SRESempraStock-Utilities0.34%+0.02%—
19SCHGSchwab US Large-cap GrowthETF-Other0.30%+0.30%NEW
20BIVVanguard Intermediate-term BETF-Other0.29%-0.01%—
21BRK-BBerkshire Hathaway Inc-cl BStock-Other0.29%-0.02%—
22SCHBSchwab US Broad Market ETFETF-Other0.25%-0.02%—
23CGXUCap Group Intl FocusETF-Other0.25%——
24SCHDSchwab US Dvd Equity ETFETF-Other0.22%+0.22%NEW
25SDVYFirst Trust Smid Cap RisingETF-Other0.22%+0.22%NEW
26BUFRFt Vest Lad Buffervetf-usd IETF-Other0.21%——
27MSFTMicrosoft CORPStock-Tech0.20%-0.07%—
28CATCaterpillar INCStock-Industrials0.18%+0.18%NEW

Holding changes this quarter

Carter Financial, LLC's most significant position changes for 2026-03-31: New buy: Jpmorgan Ultra-short Income (JPST); New buy: Schwab US Large-cap Growth (SCHG); New buy: Schwab US Dvd Equity ETF (SCHD); New buy: First Trust Smid Cap Rising (SDVY); New buy: Caterpillar INC (CAT).

Position changes disclosed by Carter Financial, LLC for the quarter ending 2026-03-31, including ticker, issuer, weight change, shares change, and action
#TickerIssuerWeight ChangeShares ChangeAction
1JMSTJPM Ultra-short Muni Income+1.3%+269.52%Add
2LMBSFirst Trust Low Duration Opp+1.2%+14.94%Add
3FNDFSchwab Fndmn Intl Lrg Co ETF+0.7%+312.95%Add
4CGDVCap Group Dividend Value+0.7%+9.02%Add
5VOOVanguard S&p 500 ETF+0.6%+99.84%Add
6JMUBJpmorgan Municipal ETF+0.5%+72.03%Add
7SRESempra0%—Unchanged
8VXUSVanguard Total Intl Stock——Unchanged
9BUFRFt Vest Lad Buffervetf-usd I——Unchanged
10CGXUCap Group Intl Focus——Unchanged
11BIVVanguard Intermediate-term B0%—Unchanged
12BRK-BBerkshire Hathaway Inc-cl B0%—Unchanged
13SCHBSchwab US Broad Market ETF0%—Unchanged
14CATHGlobal X S&p 500 Ca Val ETF0%+0.49%Add
15VBVanguard Small-cap ETF0%-0.87%Trim
16VTEBVanguard Tax-exempt Bond ETF-0.1%-3.41%Trim
17MSFTMicrosoft CORP-0.1%—Unchanged
18VVisa Inc-class A Shares-0.1%—Unchanged
19VTVVanguard Value ETF-0.1%-2.30%Trim
20AAPLApple INC-0.1%—Unchanged
21VNQVanguard Real Estate ETF-0.3%-10.77%Trim
22VTIVanguard Total Stock Mkt ETF-2.4%-4.60%Trim
23VUGVanguard Growth ETF-2.9%+1.51%Add
24JPSTJpmorgan Ultra-short Income—NEWNew buy
25SCHGSchwab US Large-cap Growth—NEWNew buy
26SCHDSchwab US Dvd Equity ETF—NEWNew buy
27SDVYFirst Trust Smid Cap Rising—NEWNew buy
28CATCaterpillar INC—NEWNew buy
29ISRGIntuitive Surgical INC—EXITSold out

FAQ

What is Carter Financial, LLC and what type of investor is it?
Carter Financial, LLC is a investment manager that files SEC Form 13F quarterly, disclosing its U.S. public equity holdings to regulators. As of the most recent reporting period (2026-03-31), the firm manages a tracked equity portfolio valued at approximately $115.0M, spread across 28 disclosed positions.
What are Carter Financial, LLC's largest equity positions?
Based on the latest 13F filing, Carter Financial, LLC's top holdings by market value are: 1. Vanguard Growth ETF (VUG) — $28.2M (24.5%) 2. Vanguard Total Stock Mkt ETF (VTI) — $24.7M (21.4%) 3. Cap Group Dividend Value (CGDV) — $16.9M (14.7%) 4. First Trust Low Duration Opp (LMBS) — $11.9M (10.3%) 5. Vanguard Value ETF (VTV) — $10.4M (9.1%)
What changes did Carter Financial, LLC make in its most recent portfolio filing?
In the latest reported quarter, Carter Financial, LLC made 19 notable position adjustments: 5 new positions were initiated, 8 existing holdings were added to, 5 positions were partially reduced, and 1 were completely exited. The largest of these moves: New buy: Jpmorgan Ultra-short Income (JPST); New buy: Schwab US Large-cap Growth (SCHG); New buy: Schwab US Dvd Equity ETF (SCHD); New buy: First Trust Smid Cap Rising (SDVY); New buy: Caterpillar INC (CAT)
What sectors does Carter Financial, LLC focus on?
Carter Financial, LLC is concentrated in the following sectors based on its current disclosed equity portfolio: • Information Technology: 61.5% • Financials: 30.8% • Industrials: 7.7%

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