Filed: 2/18/2026ACC: 0001172661-26-001309
📋 What this filing means
ANDREWS ADVISORY ASSOCIATES, LLC filed this quarterly 13F‑HR report disclosing 81 equity positions with a total reported market value of $188.11M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
81
Positions
$188.11M
Total AUM (reported)
2.32M
Total Shares
Allocation by class
COM$48.22M25.6%
S&P 500 ETF SHS$24.56M13.1%
TOTAL BD ETF$23.74M12.6%
ULTRA SHORT BOND$16.37M8.7%
INCOME ETF$8.27M4.4%
ENHANCED INTL$7.53M4.0%
STATE STREET SPD$5.84M3.1%
Portfolio Concentration
Top 3$64.67M34.4%
4–10$44.78M23.8%
11–25$39.14M20.8%
Rest$39.52M21.0%
Top 3 weight
34.4%
Top 10 weight
58.2%
Voting Authority Distribution
Total shares with voting rights: 2.32M
Sole
Full voting authority
0.00
shares
% of voting shares0.0%
Shared
Joint voting authority
0.00
shares
% of voting shares0.0%
None
No voting authority
2.32M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole81
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings81
Rows:
VANGUARD INDEX FDS
SOLEShares39.16K
TypeSH
Market value$24.56M
13.06%
Sole
0.00
Shared
0.00
None
39.16K
FIDELITY MERRIMACK STR TR
SOLEShares515.54K
TypeSH
Market value$23.74M
12.62%
Sole
0.00
Shared
0.00
None
515.54K
GOLDMAN SACHS ETF TR
SOLEShares324.42K
TypeSH
Market value$16.37M
8.70%
Sole
0.00
Shared
0.00
None
324.42K
J P MORGAN EXCHANGE TRADED F
SOLEShares178.57K
TypeSH
Market value$8.27M
4.39%
Sole
0.00
Shared
0.00
None
178.57K
FIDELITY COVINGTON TRUST
SOLEShares205.91K
TypeSH
Market value$7.53M
4.00%
Sole
0.00
Shared
0.00
None
205.91K
NVIDIA CORPORATION
SOLEShares37.86K
TypeSH
Market value$7.06M
3.75%
Sole
0.00
Shared
0.00
None
37.86K
SCHWAB STRATEGIC TR
SOLEShares210.96K
TypeSH
Market value$5.79M
3.08%
Sole
0.00
Shared
0.00
None
210.96K
SPDR SERIES TRUST
SOLEShares65.80K
TypeSH
Market value$5.43M
2.89%
Sole
0.00
Shared
0.00
None
65.80K
VANGUARD ADMIRAL FDS INC
SOLEShares48.09K
TypeSH
Market value$5.38M
2.86%
Sole
0.00
Shared
0.00
None
48.09K
APPLE INC
SOLEShares19.59K
TypeSH
Market value$5.33M
2.83%
Sole
0.00
Shared
0.00
None
19.59K
AMERICAN CENTY ETF TR
SOLEShares51.31K
TypeSH
Market value$5.23M
2.78%
Sole
0.00
Shared
0.00
None
51.31K
VANGUARD INDEX FDS
SOLEShares14.84K
TypeSH
Market value$4.98M
2.64%
Sole
0.00
Shared
0.00
None
14.84K
VANGUARD TAX-MANAGED FDS
SOLEShares68.54K
TypeSH
Market value$4.28M
2.28%
Sole
0.00
Shared
0.00
None
68.54K
MICROSOFT CORP
SOLEShares6.58K
TypeSH
Market value$3.18M
1.69%
Sole
0.00
Shared
0.00
None
6.58K
AMERICAN CENTY ETF TR
SOLEShares35.75K
TypeSH
Market value$2.75M
1.46%
Sole
0.00
Shared
0.00
None
35.75K
VANGUARD SPECIALIZED FUNDS
SOLEShares11.27K
TypeSH
Market value$2.48M
1.32%
Sole
0.00
Shared
0.00
None
11.27K
VANGUARD INDEX FDS
SOLEShares27.90K
TypeSH
Market value$2.47M
1.31%
Sole
0.00
Shared
0.00
None
27.90K
SPDR INDEX SHS FDS
SOLEShares52.13K
TypeSH
Market value$2.31M
1.23%
Sole
0.00
Shared
0.00
None
52.13K
CHEVRON CORP NEW
SOLEShares13.01K
TypeSH
Market value$1.98M
1.05%
Sole
0.00
Shared
0.00
None
13.01K
VANGUARD INTL EQUITY INDEX F
SOLEShares11.82K
TypeSH
Market value$1.67M
0.89%
Sole
0.00
Shared
0.00
None
11.82K
LOWES COS INC
SOLEShares6.66K
TypeSH
Market value$1.61M
0.85%
Sole
0.00
Shared
0.00
None
6.66K
EXXON MOBIL CORP
SOLEShares12.96K
TypeSH
Market value$1.56M
0.83%
Sole
0.00
Shared
0.00
None
12.96K
MCDONALDS CORP
SOLEShares5.08K
TypeSH
Market value$1.55M
0.83%
Sole
0.00
Shared
0.00
None
5.08K
JOHNSON & JOHNSON
SOLEShares7.49K
TypeSH
Market value$1.55M
0.82%
Sole
0.00
Shared
0.00
None
7.49K
JPMORGAN CHASE & CO.
SOLEShares4.79K
TypeSH
Market value$1.54M
0.82%
Sole
0.00
Shared
0.00
None
4.79K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
VANGUARD INDEX FDSSOLE | S&P 500 ETF SHS | 39.16K | SH | $24.56M 13.06% | 0.00 | 0.00 | 39.16K |
FIDELITY MERRIMACK STR TRSOLE | TOTAL BD ETF | 515.54K | SH | $23.74M 12.62% | 0.00 | 0.00 | 515.54K |
GOLDMAN SACHS ETF TRSOLE | ULTRA SHORT BOND | 324.42K | SH | $16.37M 8.70% | 0.00 | 0.00 | 324.42K |
J P MORGAN EXCHANGE TRADED FSOLE | INCOME ETF | 178.57K | SH | $8.27M 4.39% | 0.00 | 0.00 | 178.57K |
FIDELITY COVINGTON TRUSTSOLE | ENHANCED INTL | 205.91K | SH | $7.53M 4.00% | 0.00 | 0.00 | 205.91K |
NVIDIA CORPORATIONSOLE | COM | 37.86K | SH | $7.06M 3.75% | 0.00 | 0.00 | 37.86K |
SCHWAB STRATEGIC TRSOLE | US DIVIDEND EQ | 210.96K | SH | $5.79M 3.08% | 0.00 | 0.00 | 210.96K |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 65.80K | SH | $5.43M 2.89% | 0.00 | 0.00 | 65.80K |
VANGUARD ADMIRAL FDS INCSOLE | MIDCP 400 IDX | 48.09K | SH | $5.38M 2.86% | 0.00 | 0.00 | 48.09K |
APPLE INCSOLE | COM | 19.59K | SH | $5.33M 2.83% | 0.00 | 0.00 | 19.59K |
AMERICAN CENTY ETF TRSOLE | US SML CP VALU | 51.31K | SH | $5.23M 2.78% | 0.00 | 0.00 | 51.31K |
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 14.84K | SH | $4.98M 2.64% | 0.00 | 0.00 | 14.84K |
VANGUARD TAX-MANAGED FDSSOLE | VAN FTSE DEV MKT | 68.54K | SH | $4.28M 2.28% | 0.00 | 0.00 | 68.54K |
MICROSOFT CORPSOLE | COM | 6.58K | SH | $3.18M 1.69% | 0.00 | 0.00 | 6.58K |
AMERICAN CENTY ETF TRSOLE | AVANTIS EMGMKT | 35.75K | SH | $2.75M 1.46% | 0.00 | 0.00 | 35.75K |
VANGUARD SPECIALIZED FUNDSSOLE | DIV APP ETF | 11.27K | SH | $2.48M 1.32% | 0.00 | 0.00 | 11.27K |
VANGUARD INDEX FDSSOLE | REAL ESTATE ETF | 27.90K | SH | $2.47M 1.31% | 0.00 | 0.00 | 27.90K |
SPDR INDEX SHS FDSSOLE | PORTFOLIO DEVLPD | 52.13K | SH | $2.31M 1.23% | 0.00 | 0.00 | 52.13K |
CHEVRON CORP NEWSOLE | COM | 13.01K | SH | $1.98M 1.05% | 0.00 | 0.00 | 13.01K |
VANGUARD INTL EQUITY INDEX FSOLE | TT WRLD ST ETF | 11.82K | SH | $1.67M 0.89% | 0.00 | 0.00 | 11.82K |
LOWES COS INCSOLE | COM | 6.66K | SH | $1.61M 0.85% | 0.00 | 0.00 | 6.66K |
EXXON MOBIL CORPSOLE | COM | 12.96K | SH | $1.56M 0.83% | 0.00 | 0.00 | 12.96K |
MCDONALDS CORPSOLE | COM | 5.08K | SH | $1.55M 0.83% | 0.00 | 0.00 | 5.08K |
JOHNSON & JOHNSONSOLE | COM | 7.49K | SH | $1.55M 0.82% | 0.00 | 0.00 | 7.49K |
JPMORGAN CHASE & CO.SOLE | COM | 4.79K | SH | $1.54M 0.82% | 0.00 | 0.00 | 4.79K |
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