Filed: 3/17/2026ACC: 0001172661-26-001353
📋 What this filing means
CARTER FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 24 equity positions with a total reported market value of $113.32M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
24
Positions
$113.32M
Total AUM (reported)
949.92K
Total Shares
Allocation by class
GROWTH ETF$31.03M27.4%
TOTAL STK MKT$27.02M23.8%
SHS CREATION UNI$16.16M14.3%
VALUE ETF$10.39M9.2%
FST LOW OPPT EFT$10.39M9.2%
SMALL CP ETF$5.75M5.1%
REAL ESTATE ETF$3.09M2.7%
Portfolio Concentration
Top 3$73.93M65.2%
4–10$33.48M29.5%
11–25$5.92M5.2%
Top 3 weight
65.2%
Top 10 weight
94.8%
Voting Authority Distribution
Total shares with voting rights: 949.92K
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
949.92K
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole24
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings24
Rows:
VANGUARD INDEX FDS
SOLEShares63.61K
TypeSH
Market value$31.03M
27.39%
Sole
0.00
Shared
0.00
None
63.61K
VANGUARD INDEX FDS
SOLEShares80.60K
TypeSH
Market value$27.02M
23.84%
Sole
0.00
Shared
0.00
None
80.60K
CAPITAL GROUP DIVIDEND VALUE
SOLEShares363.75K
TypeSH
Market value$15.87M
14.01%
Sole
0.00
Shared
0.00
None
363.75K
VANGUARD INDEX FDS
SOLEShares54.41K
TypeSH
Market value$10.39M
9.17%
Sole
0.00
Shared
0.00
None
54.41K
FIRST TR EXCHANGE-TRADED FD
SOLEShares207.80K
TypeSH
Market value$10.39M
9.17%
Sole
0.00
Shared
0.00
None
207.80K
VANGUARD INDEX FDS
SOLEShares22.29K
TypeSH
Market value$5.75M
5.07%
Sole
0.00
Shared
0.00
None
22.29K
VANGUARD INDEX FDS
SOLEShares34.96K
TypeSH
Market value$3.09M
2.73%
Sole
0.00
Shared
0.00
None
34.96K
APPLE INC
SOLEShares5.80K
TypeSH
Market value$1.58M
1.39%
Sole
0.00
Shared
0.00
None
5.80K
VANGUARD STAR FDS
SOLEShares16.17K
TypeSH
Market value$1.22M
1.08%
Sole
0.00
Shared
0.00
None
16.17K
VANGUARD MUN BD FDS
SOLEShares20.99K
TypeSH
Market value$1.06M
0.93%
Sole
0.00
Shared
0.00
None
20.99K
VANGUARD INDEX FDS
SOLEShares1.24K
TypeSH
Market value$777.6K
0.69%
Sole
0.00
Shared
0.00
None
1.24K
J P MORGAN EXCHANGE TRADED F
SOLEShares14.91K
TypeSH
Market value$753.2K
0.66%
Sole
0.00
Shared
0.00
None
14.91K
GLOBAL X FDS
SOLEShares7.56K
TypeSH
Market value$621.3K
0.55%
Sole
0.00
Shared
0.00
None
7.56K
VISA INC
SOLEShares1.74K
TypeSH
Market value$609.9K
0.54%
Sole
0.00
Shared
0.00
None
1.74K
J P MORGAN EXCHANGE TRADED F
SOLEShares10.69K
TypeSH
Market value$544.6K
0.48%
Sole
0.00
Shared
0.00
None
10.69K
SEMPRA
SOLEShares4.08K
TypeSH
Market value$359.9K
0.32%
Sole
0.00
Shared
0.00
None
4.08K
BERKSHIRE HATHAWAY INC DEL
SOLEShares689.00
TypeSH
Market value$346.3K
0.31%
Sole
0.00
Shared
0.00
None
689.00
VANGUARD BD INDEX FDS
SOLEShares4.29K
TypeSH
Market value$334.4K
0.30%
Sole
0.00
Shared
0.00
None
4.29K
MICROSOFT CORP
SOLEShares634.00
TypeSH
Market value$306.6K
0.27%
Sole
0.00
Shared
0.00
None
634.00
SCHWAB STRATEGIC TR
SOLEShares11.48K
TypeSH
Market value$301.2K
0.27%
Sole
0.00
Shared
0.00
None
11.48K
CAPITAL GROUP INTL FOCUS EQT
SOLEShares9.66K
TypeSH
Market value$285.5K
0.25%
Sole
0.00
Shared
0.00
None
9.66K
FIRST TR EXCHNG TRADED FD VI
SOLEShares7.02K
TypeSH
Market value$240.4K
0.21%
Sole
0.00
Shared
0.00
None
7.02K
SCHWAB STRATEGIC TR
SOLEShares5.18K
TypeSH
Market value$234.3K
0.21%
Sole
0.00
Shared
0.00
None
5.18K
INTUITIVE SURGICAL INC
SOLEShares360.00
TypeSH
Market value$203.9K
0.18%
Sole
0.00
Shared
0.00
None
360.00
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
VANGUARD INDEX FDSSOLE | GROWTH ETF | 63.61K | SH | $31.03M 27.39% | 0.00 | 0.00 | 63.61K |
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 80.60K | SH | $27.02M 23.84% | 0.00 | 0.00 | 80.60K |
CAPITAL GROUP DIVIDEND VALUESOLE | SHS CREATION UNI | 363.75K | SH | $15.87M 14.01% | 0.00 | 0.00 | 363.75K |
VANGUARD INDEX FDSSOLE | VALUE ETF | 54.41K | SH | $10.39M 9.17% | 0.00 | 0.00 | 54.41K |
FIRST TR EXCHANGE-TRADED FDSOLE | FST LOW OPPT EFT | 207.80K | SH | $10.39M 9.17% | 0.00 | 0.00 | 207.80K |
VANGUARD INDEX FDSSOLE | SMALL CP ETF | 22.29K | SH | $5.75M 5.07% | 0.00 | 0.00 | 22.29K |
VANGUARD INDEX FDSSOLE | REAL ESTATE ETF | 34.96K | SH | $3.09M 2.73% | 0.00 | 0.00 | 34.96K |
APPLE INCSOLE | COM | 5.80K | SH | $1.58M 1.39% | 0.00 | 0.00 | 5.80K |
VANGUARD STAR FDSSOLE | VG TL INTL STK F | 16.17K | SH | $1.22M 1.08% | 0.00 | 0.00 | 16.17K |
VANGUARD MUN BD FDSSOLE | TAX EXEMPT BD | 20.99K | SH | $1.06M 0.93% | 0.00 | 0.00 | 20.99K |
VANGUARD INDEX FDSSOLE | S&P 500 ETF SHS | 1.24K | SH | $777.6K 0.69% | 0.00 | 0.00 | 1.24K |
J P MORGAN EXCHANGE TRADED FSOLE | MUNICIPAL ETF | 14.91K | SH | $753.2K 0.66% | 0.00 | 0.00 | 14.91K |
GLOBAL X FDSSOLE | S&P 500 CATHOLIC | 7.56K | SH | $621.3K 0.55% | 0.00 | 0.00 | 7.56K |
VISA INCSOLE | COM CL A | 1.74K | SH | $609.9K 0.54% | 0.00 | 0.00 | 1.74K |
J P MORGAN EXCHANGE TRADED FSOLE | ULTRA SHT MUNCPL | 10.69K | SH | $544.6K 0.48% | 0.00 | 0.00 | 10.69K |
SEMPRASOLE | COM | 4.08K | SH | $359.9K 0.32% | 0.00 | 0.00 | 4.08K |
BERKSHIRE HATHAWAY INC DELSOLE | CL B NEW | 689.00 | SH | $346.3K 0.31% | 0.00 | 0.00 | 689.00 |
VANGUARD BD INDEX FDSSOLE | INTERMED TERM | 4.29K | SH | $334.4K 0.30% | 0.00 | 0.00 | 4.29K |
MICROSOFT CORPSOLE | COM | 634.00 | SH | $306.6K 0.27% | 0.00 | 0.00 | 634.00 |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 11.48K | SH | $301.2K 0.27% | 0.00 | 0.00 | 11.48K |
CAPITAL GROUP INTL FOCUS EQTSOLE | SHS CREATION UNI | 9.66K | SH | $285.5K 0.25% | 0.00 | 0.00 | 9.66K |
FIRST TR EXCHNG TRADED FD VISOLE | FT VEST LADDERED | 7.02K | SH | $240.4K 0.21% | 0.00 | 0.00 | 7.02K |
SCHWAB STRATEGIC TRSOLE | FUNDAMENTAL INTL | 5.18K | SH | $234.3K 0.21% | 0.00 | 0.00 | 5.18K |
INTUITIVE SURGICAL INCSOLE | COM NEW | 360.00 | SH | $203.9K 0.18% | 0.00 | 0.00 | 360.00 |