FINANCIAL CONSULATE, INC

Filed: 2/1/2024ACC: 0001624510-24-000002

📋 What this filing means

FINANCIAL CONSULATE, INC filed this quarterly 13F‑HR report disclosing 36 equity positions with a total reported market value of $304.08M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$304.08M

Total AUM (reported)

7.18M

Total Shares

Allocation by class

US LRG CAP ETF$62.84M20.7%

INTL EQTY ETF$47.46M15.6%

SCHWAB FDT US BM$33.11M10.9%

US HIGH PROFITAB$28.34M9.3%

RAFI DYN MULTI$27.42M9.0%

US DIVIDEND EQ$19.43M6.4%

STRM INFPROIDX$17.96M5.9%

Portfolio Concentration

Top 3$143.41M47.2%

4–10$126.00M41.4%

11–25$30.74M10.1%

Rest$3.93M1.3%

Top 3 weight

47.2%

Top 10 weight

88.6%

Voting Authority Distribution

Total shares with voting rights: 7.18M

Sole

Full voting authority

6.28M

% of voting shares87.4%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

903.85K

% of voting shares12.6%

Investment Discretion (by position count)

Sole36

Shared0

Other0

Dominant voting typeSole · 87.4% of voting shares

Institutional Holdings36

Rows:

SCHWAB STRATEGIC TR

SOLE

US LRG CAP ETF

Shares1.11M

TypeSH

Market value$62.84M

20.67%

Sole

896.35K

Shared

0.00

None

217.85K

SCHWAB STRATEGIC TR

SOLE

INTL EQTY ETF

Shares1.28M

TypeSH

Market value$47.46M

15.61%

Sole

1.19M

Shared

0.00

None

98.30K

SCHWAB STRATEGIC TR

SOLE

SCHWAB FDT US BM

Shares541.96K

TypeSH

Market value$33.11M

10.89%

Sole

503.19K

Shared

0.00

None

38.78K

DIMENSIONAL ETF TRUST

SOLE

US HIGH PROFITAB

Shares990.45K

TypeSH

Market value$28.34M

9.32%

Sole

912.57K

Shared

0.00

None

77.88K

PIMCO EQUITY SER

SOLE

RAFI DYN MULTI

Shares939.89K

TypeSH

Market value$27.42M

9.02%

Sole

712.83K

Shared

0.00

None

227.06K

SCHWAB STRATEGIC TR

SOLE

US DIVIDEND EQ

Shares255.24K

TypeSH

Market value$19.43M

6.39%

Sole

232.72K

Shared

0.00

None

22.52K

VANGUARD MALVERN FDS

SOLE

STRM INFPROIDX

Shares378.18K

TypeSH

Market value$17.96M

5.91%

Sole

322.92K

Shared

0.00

None

55.26K

T ROWE PRICE ETF INC

SOLE

CAP APPRECIATION

Shares468.95K

TypeSH

Market value$12.96M

4.26%

Sole

445.82K

Shared

0.00

None

23.13K

SCHWAB STRATEGIC TR

SOLE

US MID-CAP ETF

Shares167.18K

TypeSH

Market value$12.59M

4.14%

Sole

123.56K

Shared

0.00

None

43.62K

SPDR SER TR

SOLE

S&P 600 SMCP GRW

Shares87.35K

TypeSH

Market value$7.31M

2.40%

Sole

65.59K

Shared

0.00

None

21.75K

SPDR INDEX SHS FDS

SOLE

ASIA PACIF ETF

Shares67.42K

TypeSH

Market value$6.81M

2.24%

Sole

51.07K

Shared

0.00

None

16.35K

SCHWAB STRATEGIC TR

SOLE

INTL SCEQT ETF

Shares156.63K

TypeSH

Market value$5.46M

1.80%

Sole

144.64K

Shared

0.00

None

11.99K

SCHWAB STRATEGIC TR

SOLE

US BRD MKT ETF

Shares47.04K

TypeSH

Market value$2.62M

0.86%

Sole

47.04K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE S&P500 ETF

Shares5.16K

TypeSH

Market value$2.46M

0.81%

Sole

3.87K

Shared

0.00

None

1.29K

SCHWAB STRATEGIC TR

SOLE

INT-TRM U.S TRES

Shares47.07K

TypeSH

Market value$2.34M

0.77%

Sole

43.17K

Shared

0.00

None

3.90K

SPDR INDEX SHS FDS

SOLE

PORTFLI MSCI GBL

Shares36.51K

TypeSH

Market value$2.02M

0.66%

Sole

32K

Shared

0.00

None

4.50K

180 DEGREE CAP CORP

SOLE

COM NEW

Shares451.81K

TypeSH

Market value$1.85M

0.61%

Sole

433.62K

Shared

0.00

None

18.19K

ISHARES TR

SOLE

CORE S&P TTL STK

Shares11.43K

TypeSH

Market value$1.20M

0.40%

Sole

11.43K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE US AGGBD ET

Shares11.13K

TypeSH

Market value$1.10M

0.36%

Sole

10.33K

Shared

0.00

None

805.00

SPDR INDEX SHS FDS

SOLE

MSCI ACWI EXUS

Shares39.29K

TypeSH

Market value$1.06M

0.35%

Sole

26.99K

Shared

0.00

None

12.29K

ISHARES TR

SOLE

S&P SML 600 GWT

Shares6.96K

TypeSH

Market value$870.3K

0.29%

Sole

6.66K

Shared

0.00

None

291.00

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares1.94K

TypeSH

Market value$847.3K

0.28%

Sole

1.69K

Shared

0.00

None

250.00

SPDR SER TR

SOLE

PORTFOLIO S&P500

Shares14.13K

TypeSH

Market value$789.6K

0.26%

Sole

10.85K

Shared

0.00

None

3.27K

VANGUARD WORLD FDS

SOLE

INF TECH ETF

Shares1.50K

TypeSH

Market value$723.6K

0.24%

Sole

1.50K

Shared

0.00

None

0.00

VANGUARD CHARLOTTE FDS

SOLE

TOTAL INT BD ETF

Shares11.48K

TypeSH

Market value$566.9K

0.19%

Sole

11.07K

Shared

0.00

None

416.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
SCHWAB STRATEGIC TRSOLE	US LRG CAP ETF	1.11M	SH	$62.84M 20.67%	896.35K	217.85K
SCHWAB STRATEGIC TRSOLE	INTL EQTY ETF	1.28M	SH	$47.46M 15.61%	1.19M	98.30K
SCHWAB STRATEGIC TRSOLE	SCHWAB FDT US BM	541.96K	SH	$33.11M 10.89%	503.19K	38.78K
DIMENSIONAL ETF TRUSTSOLE	US HIGH PROFITAB	990.45K	SH	$28.34M 9.32%	912.57K	77.88K
PIMCO EQUITY SERSOLE	RAFI DYN MULTI	939.89K	SH	$27.42M 9.02%	712.83K	227.06K
SCHWAB STRATEGIC TRSOLE	US DIVIDEND EQ	255.24K	SH	$19.43M 6.39%	232.72K	22.52K
VANGUARD MALVERN FDSSOLE	STRM INFPROIDX	378.18K	SH	$17.96M 5.91%	322.92K	55.26K
T ROWE PRICE ETF INCSOLE	CAP APPRECIATION	468.95K	SH	$12.96M 4.26%	445.82K	23.13K
SCHWAB STRATEGIC TRSOLE	US MID-CAP ETF	167.18K	SH	$12.59M 4.14%	123.56K	43.62K
SPDR SER TRSOLE	S&P 600 SMCP GRW	87.35K	SH	$7.31M 2.40%	65.59K	21.75K
SPDR INDEX SHS FDSSOLE	ASIA PACIF ETF	67.42K	SH	$6.81M 2.24%	51.07K	16.35K
SCHWAB STRATEGIC TRSOLE	INTL SCEQT ETF	156.63K	SH	$5.46M 1.80%	144.64K	11.99K
SCHWAB STRATEGIC TRSOLE	US BRD MKT ETF	47.04K	SH	$2.62M 0.86%	47.04K	0.00
ISHARES TRSOLE	CORE S&P500 ETF	5.16K	SH	$2.46M 0.81%	3.87K	1.29K
SCHWAB STRATEGIC TRSOLE	INT-TRM U.S TRES	47.07K	SH	$2.34M 0.77%	43.17K	3.90K
SPDR INDEX SHS FDSSOLE	PORTFLI MSCI GBL	36.51K	SH	$2.02M 0.66%	32K	4.50K
180 DEGREE CAP CORPSOLE	COM NEW	451.81K	SH	$1.85M 0.61%	433.62K	18.19K
ISHARES TRSOLE	CORE S&P TTL STK	11.43K	SH	$1.20M 0.40%	11.43K	0.00
ISHARES TRSOLE	CORE US AGGBD ET	11.13K	SH	$1.10M 0.36%	10.33K	805.00
SPDR INDEX SHS FDSSOLE	MSCI ACWI EXUS	39.29K	SH	$1.06M 0.35%	26.99K	12.29K
ISHARES TRSOLE	S&P SML 600 GWT	6.96K	SH	$870.3K 0.29%	6.66K	291.00
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	1.94K	SH	$847.3K 0.28%	1.69K	250.00
SPDR SER TRSOLE	PORTFOLIO S&P500	14.13K	SH	$789.6K 0.26%	10.85K	3.27K
VANGUARD WORLD FDSSOLE	INF TECH ETF	1.50K	SH	$723.6K 0.24%	1.50K	0.00
VANGUARD CHARLOTTE FDSSOLE	TOTAL INT BD ETF	11.48K	SH	$566.9K 0.19%	11.07K	416.00

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