CARTER FINANCIAL, LLC

Filed: 5/13/2026ACC: 0001172661-26-001814

📋 What this filing means

CARTER FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 28 equity positions with a total reported market value of $114.99M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$114.99M

Total AUM (reported)

1.10M

Total Shares

Allocation by class

GROWTH ETF$28.21M24.5%

TOTAL STK MKT$24.67M21.5%

SHS CREATION UNI$17.15M14.9%

FST LOW OPPT EFT$11.90M10.3%

VALUE ETF$10.43M9.1%

SMALL CP ETF$5.79M5.0%

REAL ESTATE ETF$2.77M2.4%

Portfolio Concentration

Top 3$69.74M60.6%

4–10$35.85M31.2%

11–25$8.72M7.6%

Rest$684.2K0.6%

Top 3 weight

60.6%

Top 10 weight

91.8%

Voting Authority Distribution

Total shares with voting rights: 1.10M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

1.10M

% of voting shares100.0%

Investment Discretion (by position count)

Sole28

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings28

Rows:

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares64.57K

TypeSH

Market value$28.21M

24.53%

Sole

0.00

Shared

0.00

None

64.57K

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares76.89K

TypeSH

Market value$24.67M

21.45%

Sole

0.00

Shared

0.00

None

76.89K

CAPITAL GROUP DIVIDEND VALUE

SOLE

SHS CREATION UNI

Shares396.55K

TypeSH

Market value$16.87M

14.67%

Sole

0.00

Shared

0.00

None

396.55K

FIRST TR EXCHANGE-TRADED FD

SOLE

FST LOW OPPT EFT

Shares238.84K

TypeSH

Market value$11.90M

10.35%

Sole

0.00

Shared

0.00

None

238.84K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares53.16K

TypeSH

Market value$10.43M

9.07%

Sole

0.00

Shared

0.00

None

53.16K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares22.10K

TypeSH

Market value$5.79M

5.03%

Sole

0.00

Shared

0.00

None

22.10K

VANGUARD INDEX FDS

SOLE

REAL ESTATE ETF

Shares31.20K

TypeSH

Market value$2.77M

2.41%

Sole

0.00

Shared

0.00

None

31.20K

J P MORGAN EXCHANGE TRADED F

SOLE

ULTRA SHT MUNCPL

Shares39.51K

TypeSH

Market value$2.01M

1.75%

Sole

0.00

Shared

0.00

None

39.51K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares2.48K

TypeSH

Market value$1.48M

1.29%

Sole

0.00

Shared

0.00

None

2.48K

APPLE INC

SOLE

COM

Shares5.80K

TypeSH

Market value$1.47M

1.28%

Sole

0.00

Shared

0.00

None

5.80K

J P MORGAN EXCHANGE TRADED F

SOLE

MUNICIPAL ETF

Shares25.66K

TypeSH

Market value$1.28M

1.12%

Sole

0.00

Shared

0.00

None

25.66K

VANGUARD STAR FDS

SOLE

VG TL INTL STK F

Shares16.17K

TypeSH

Market value$1.25M

1.08%

Sole

0.00

Shared

0.00

None

16.17K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL INTL

Shares21.40K

TypeSH

Market value$1.05M

0.91%

Sole

0.00

Shared

0.00

None

21.40K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares20.27K

TypeSH

Market value$1.01M

0.88%

Sole

0.00

Shared

0.00

None

20.27K

GLOBAL X FDS

SOLE

S&P 500 CATHOLIC

Shares7.59K

TypeSH

Market value$593.4K

0.52%

Sole

0.00

Shared

0.00

None

7.59K

J P MORGAN EXCHANGE TRADED F

SOLE

ULTRA SHRT ETF

Shares10.60K

TypeSH

Market value$536.6K

0.47%

Sole

0.00

Shared

0.00

None

10.60K

VISA INC

SOLE

COM CL A

Shares1.74K

TypeSH

Market value$525.6K

0.46%

Sole

0.00

Shared

0.00

None

1.74K

SEMPRA

SOLE

COM

Shares4.08K

TypeSH

Market value$396.1K

0.34%

Sole

0.00

Shared

0.00

None

4.08K

SCHWAB STRATEGIC TR

SOLE

US LCAP GR ETF

Shares11.83K

TypeSH

Market value$344.7K

0.30%

Sole

0.00

Shared

0.00

None

11.83K

VANGUARD BD INDEX FDS

SOLE

INTERMED TERM

Shares4.29K

TypeSH

Market value$331.4K

0.29%

Sole

0.00

Shared

0.00

None

4.29K

BERKSHIRE HATHAWAY INC DEL

SOLE

CL B NEW

Shares689.00

TypeSH

Market value$330.2K

0.29%

Sole

0.00

Shared

0.00

None

689.00

SCHWAB STRATEGIC TR

SOLE

US BRD MKT ETF

Shares11.48K

TypeSH

Market value$288.2K

0.25%

Sole

0.00

Shared

0.00

None

11.48K

CAPITAL GROUP INTL FOCUS EQT

SOLE

SHS CREATION UNI

Shares9.66K

TypeSH

Market value$285.0K

0.25%

Sole

0.00

Shared

0.00

None

9.66K

SCHWAB STRATEGIC TR

SOLE

US DIVIDEND EQ

Shares8.25K

TypeSH

Market value$253.1K

0.22%

Sole

0.00

Shared

0.00

None

8.25K

FIRST TR EXCHANGE TRADED FD

SOLE

SMID RISNG ETF

Shares6.28K

TypeSH

Market value$247.7K

0.22%

Sole

0.00

Shared

0.00

None

6.28K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD INDEX FDSSOLE	GROWTH ETF	64.57K	SH	$28.21M 24.53%	64.57K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	76.89K	SH	$24.67M 21.45%	76.89K
CAPITAL GROUP DIVIDEND VALUESOLE	SHS CREATION UNI	396.55K	SH	$16.87M 14.67%	396.55K
FIRST TR EXCHANGE-TRADED FDSOLE	FST LOW OPPT EFT	238.84K	SH	$11.90M 10.35%	238.84K
VANGUARD INDEX FDSSOLE	VALUE ETF	53.16K	SH	$10.43M 9.07%	53.16K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	22.10K	SH	$5.79M 5.03%	22.10K
VANGUARD INDEX FDSSOLE	REAL ESTATE ETF	31.20K	SH	$2.77M 2.41%	31.20K
J P MORGAN EXCHANGE TRADED FSOLE	ULTRA SHT MUNCPL	39.51K	SH	$2.01M 1.75%	39.51K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	2.48K	SH	$1.48M 1.29%	2.48K
APPLE INCSOLE	COM	5.80K	SH	$1.47M 1.28%	5.80K
J P MORGAN EXCHANGE TRADED FSOLE	MUNICIPAL ETF	25.66K	SH	$1.28M 1.12%	25.66K
VANGUARD STAR FDSSOLE	VG TL INTL STK F	16.17K	SH	$1.25M 1.08%	16.17K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL INTL	21.40K	SH	$1.05M 0.91%	21.40K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	20.27K	SH	$1.01M 0.88%	20.27K
GLOBAL X FDSSOLE	S&P 500 CATHOLIC	7.59K	SH	$593.4K 0.52%	7.59K
J P MORGAN EXCHANGE TRADED FSOLE	ULTRA SHRT ETF	10.60K	SH	$536.6K 0.47%	10.60K
VISA INCSOLE	COM CL A	1.74K	SH	$525.6K 0.46%	1.74K
SEMPRASOLE	COM	4.08K	SH	$396.1K 0.34%	4.08K
SCHWAB STRATEGIC TRSOLE	US LCAP GR ETF	11.83K	SH	$344.7K 0.30%	11.83K
VANGUARD BD INDEX FDSSOLE	INTERMED TERM	4.29K	SH	$331.4K 0.29%	4.29K
BERKSHIRE HATHAWAY INC DELSOLE	CL B NEW	689.00	SH	$330.2K 0.29%	689.00
SCHWAB STRATEGIC TRSOLE	US BRD MKT ETF	11.48K	SH	$288.2K 0.25%	11.48K
CAPITAL GROUP INTL FOCUS EQTSOLE	SHS CREATION UNI	9.66K	SH	$285.0K 0.25%	9.66K
SCHWAB STRATEGIC TRSOLE	US DIVIDEND EQ	8.25K	SH	$253.1K 0.22%	8.25K
FIRST TR EXCHANGE TRADED FDSOLE	SMID RISNG ETF	6.28K	SH	$247.7K 0.22%	6.28K

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