FINANCIAL CONSULATE, INC

Filed: 7/21/2023ACC: 0001624510-23-000001

📋 What this filing means

FINANCIAL CONSULATE, INC filed this quarterly 13F‑HR report disclosing 40 equity positions with a total reported market value of $235.85M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$235.85M

Total AUM (reported)

6.07M

Total Shares

Allocation by class

US LRG CAP ETF$46.70M19.8%

INTL EQTY ETF$45.92M19.5%

US HIGH PROFITAB$26.16M11.1%

MSCI ACWI EXUS$24.10M10.2%

US MID-CAP ETF$20.00M8.5%

STRM INFPROIDX$18.11M7.7%

US DIVIDEND EQ$11.75M5.0%

Portfolio Concentration

Top 3$118.78M50.4%

4–10$89.13M37.8%

11–25$22.41M9.5%

Rest$5.53M2.3%

Top 3 weight

50.4%

Top 10 weight

88.2%

Voting Authority Distribution

Total shares with voting rights: 6.07M

Sole

Full voting authority

5.37M

% of voting shares88.5%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

695.21K

% of voting shares11.5%

Investment Discretion (by position count)

Sole40

Shared0

Other0

Dominant voting typeSole · 88.5% of voting shares

Institutional Holdings40

Rows:

SCHWAB STRATEGIC TR

SOLE

US LRG CAP ETF

Shares891.65K

TypeSH

Market value$46.70M

19.80%

Sole

714.08K

Shared

0.00

None

177.57K

SCHWAB STRATEGIC TR

SOLE

INTL EQTY ETF

Shares1.29M

TypeSH

Market value$45.92M

19.47%

Sole

1.20M

Shared

0.00

None

84.10K

DIMENSIONAL ETF TRUST

SOLE

US HIGH PROFITAB

Shares985.83K

TypeSH

Market value$26.16M

11.09%

Sole

934.80K

Shared

0.00

None

51.03K

SPDR INDEX SHS FDS

SOLE

MSCI ACWI EXUS

Shares922.27K

TypeSH

Market value$24.10M

10.22%

Sole

714.38K

Shared

0.00

None

207.89K

SCHWAB STRATEGIC TR

SOLE

US MID-CAP ETF

Shares281.52K

TypeSH

Market value$20.00M

8.48%

Sole

237.72K

Shared

0.00

None

43.80K

VANGUARD MALVERN FDS

SOLE

STRM INFPROIDX

Shares381.97K

TypeSH

Market value$18.11M

7.68%

Sole

337.81K

Shared

0.00

None

44.16K

SCHWAB STRATEGIC TR

SOLE

US DIVIDEND EQ

Shares161.76K

TypeSH

Market value$11.75M

4.98%

Sole

147.49K

Shared

0.00

None

14.27K

SPDR SER TR

SOLE

S&P 600 SMCP GRW

Shares78.24K

TypeSH

Market value$6.02M

2.55%

Sole

59.88K

Shared

0.00

None

18.36K

SCHWAB STRATEGIC TR

SOLE

INTL SCEQT ETF

Shares149.75K

TypeSH

Market value$5.06M

2.14%

Sole

141.91K

Shared

0.00

None

7.84K

SPDR INDEX SHS FDS

SOLE

ASIA PACIF ETF

Shares41.35K

TypeSH

Market value$4.10M

1.74%

Sole

31.95K

Shared

0.00

None

9.40K

SCHWAB STRATEGIC TR

SOLE

US BRD MKT ETF

Shares57K

TypeSH

Market value$2.95M

1.25%

Sole

56.97K

Shared

0.00

None

30.00

ISHARES TR

SOLE

CORE S&P500 ETF

Shares5.67K

TypeSH

Market value$2.53M

1.07%

Sole

4.77K

Shared

0.00

None

902.00

SCHWAB STRATEGIC TR

SOLE

INT-TRM U.S TRES

Shares49.87K

TypeSH

Market value$2.46M

1.04%

Sole

47.24K

Shared

0.00

None

2.63K

180 DEGREE CAP CORP

SOLE

COM NEW

Shares488.30K

TypeSH

Market value$2.17M

0.92%

Sole

471.19K

Shared

0.00

None

17.10K

SPDR INDEX SHS FDS

SOLE

PORTFLI MSCI GBL

Shares39.63K

TypeSH

Market value$2.07M

0.88%

Sole

35.46K

Shared

0.00

None

4.18K

SPDR SER TR

SOLE

PORTFOLIO S&P500

Shares36.06K

TypeSH

Market value$1.88M

0.80%

Sole

32.48K

Shared

0.00

None

3.58K

ISHARES TR

SOLE

CORE S&P TTL STK

Shares13.17K

TypeSH

Market value$1.29M

0.55%

Sole

13.17K

Shared

0.00

None

0.00

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares35.02K

TypeSH

Market value$1.14M

0.48%

Sole

33.95K

Shared

0.00

None

1.07K

ISHARES TR

SOLE

CORE US AGGBD ET

Shares10.33K

TypeSH

Market value$1.01M

0.43%

Sole

10.33K

Shared

0.00

None

0.00

SPDR SER TR

SOLE

PORTFOLIO S&P400

Shares21.03K

TypeSH

Market value$965.1K

0.41%

Sole

19.36K

Shared

0.00

None

1.67K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares2.23K

TypeSH

Market value$907.9K

0.38%

Sole

1.53K

Shared

0.00

None

703.00

ISHARES TR

SOLE

S&P SML 600 GWT

Shares7.78K

TypeSH

Market value$894.4K

0.38%

Sole

7.10K

Shared

0.00

None

685.00

ALLY FINL INC

SOLE

COM

Shares27.94K

TypeSH

Market value$754.6K

0.32%

Sole

27.52K

Shared

0.00

None

419.00

S&P GLOBAL INC

SOLE

COM

Shares1.82K

TypeSH

Market value$730.8K

0.31%

Sole

1.49K

Shared

0.00

None

331.00

VANGUARD WORLD FDS

SOLE

INF TECH ETF

Shares1.50K

TypeSH

Market value$661.0K

0.28%

Sole

1.50K

Shared

0.00

None

0.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
SCHWAB STRATEGIC TRSOLE	US LRG CAP ETF	891.65K	SH	$46.70M 19.80%	714.08K	177.57K
SCHWAB STRATEGIC TRSOLE	INTL EQTY ETF	1.29M	SH	$45.92M 19.47%	1.20M	84.10K
DIMENSIONAL ETF TRUSTSOLE	US HIGH PROFITAB	985.83K	SH	$26.16M 11.09%	934.80K	51.03K
SPDR INDEX SHS FDSSOLE	MSCI ACWI EXUS	922.27K	SH	$24.10M 10.22%	714.38K	207.89K
SCHWAB STRATEGIC TRSOLE	US MID-CAP ETF	281.52K	SH	$20.00M 8.48%	237.72K	43.80K
VANGUARD MALVERN FDSSOLE	STRM INFPROIDX	381.97K	SH	$18.11M 7.68%	337.81K	44.16K
SCHWAB STRATEGIC TRSOLE	US DIVIDEND EQ	161.76K	SH	$11.75M 4.98%	147.49K	14.27K
SPDR SER TRSOLE	S&P 600 SMCP GRW	78.24K	SH	$6.02M 2.55%	59.88K	18.36K
SCHWAB STRATEGIC TRSOLE	INTL SCEQT ETF	149.75K	SH	$5.06M 2.14%	141.91K	7.84K
SPDR INDEX SHS FDSSOLE	ASIA PACIF ETF	41.35K	SH	$4.10M 1.74%	31.95K	9.40K
SCHWAB STRATEGIC TRSOLE	US BRD MKT ETF	57K	SH	$2.95M 1.25%	56.97K	30.00
ISHARES TRSOLE	CORE S&P500 ETF	5.67K	SH	$2.53M 1.07%	4.77K	902.00
SCHWAB STRATEGIC TRSOLE	INT-TRM U.S TRES	49.87K	SH	$2.46M 1.04%	47.24K	2.63K
180 DEGREE CAP CORPSOLE	COM NEW	488.30K	SH	$2.17M 0.92%	471.19K	17.10K
SPDR INDEX SHS FDSSOLE	PORTFLI MSCI GBL	39.63K	SH	$2.07M 0.88%	35.46K	4.18K
SPDR SER TRSOLE	PORTFOLIO S&P500	36.06K	SH	$1.88M 0.80%	32.48K	3.58K
ISHARES TRSOLE	CORE S&P TTL STK	13.17K	SH	$1.29M 0.55%	13.17K	0.00
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	35.02K	SH	$1.14M 0.48%	33.95K	1.07K
ISHARES TRSOLE	CORE US AGGBD ET	10.33K	SH	$1.01M 0.43%	10.33K	0.00
SPDR SER TRSOLE	PORTFOLIO S&P400	21.03K	SH	$965.1K 0.41%	19.36K	1.67K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	2.23K	SH	$907.9K 0.38%	1.53K	703.00
ISHARES TRSOLE	S&P SML 600 GWT	7.78K	SH	$894.4K 0.38%	7.10K	685.00
ALLY FINL INCSOLE	COM	27.94K	SH	$754.6K 0.32%	27.52K	419.00
S&P GLOBAL INCSOLE	COM	1.82K	SH	$730.8K 0.31%	1.49K	331.00
VANGUARD WORLD FDSSOLE	INF TECH ETF	1.50K	SH	$661.0K 0.28%	1.50K	0.00

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