FINANCIAL CONSULATE, INC

Filed: 2/3/2025ACC: 0001624510-25-000002

📋 What this filing means

FINANCIAL CONSULATE, INC filed this quarterly 13F‑HR report disclosing 31 equity positions with a total reported market value of $377.07M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$377.07M

Total AUM (reported)

13.30M

Total Shares

Allocation by class

US LRG CAP ETF$87.10M23.1%

INTL EQTY ETF$50.13M13.3%

FUNDAMENTAL US B$38.17M10.1%

RAFI DYN MULTI$35.35M9.4%

US HIGH PROFITAB$34.16M9.1%

US DIVIDEND EQ$21.22M5.6%

STRM INFPROIDX$21.06M5.6%

Portfolio Concentration

Top 3$175.41M46.5%

4–10$156.21M41.4%

11–25$42.45M11.3%

Rest$3.00M0.8%

Top 3 weight

46.5%

Top 10 weight

87.9%

Voting Authority Distribution

Total shares with voting rights: 13.30M

Sole

Full voting authority

10.63M

% of voting shares79.9%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

2.67M

% of voting shares20.1%

Investment Discretion (by position count)

Sole31

Shared0

Other0

Dominant voting typeSole · 79.9% of voting shares

Institutional Holdings31

Rows:

SCHWAB STRATEGIC TR

SOLE

US LRG CAP ETF

Shares3.76M

TypeSH

Market value$87.10M

23.10%

Sole

2.74M

Shared

0.00

None

1.02M

SCHWAB STRATEGIC TR

SOLE

INTL EQTY ETF

Shares2.71M

TypeSH

Market value$50.13M

13.30%

Sole

2.34M

Shared

0.00

None

366.67K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL US B

Shares1.64M

TypeSH

Market value$38.17M

10.12%

Sole

1.43M

Shared

0.00

None

210.04K

PIMCO EQUITY SER

SOLE

RAFI DYN MULTI

Shares1.20M

TypeSH

Market value$35.35M

9.38%

Sole

828.66K

Shared

0.00

None

368.13K

DIMENSIONAL ETF TRUST

SOLE

US HIGH PROFITAB

Shares1.01M

TypeSH

Market value$34.16M

9.06%

Sole

875.43K

Shared

0.00

None

135.56K

SCHWAB STRATEGIC TR

SOLE

US DIVIDEND EQ

Shares776.61K

TypeSH

Market value$21.22M

5.63%

Sole

665.72K

Shared

0.00

None

110.89K

VANGUARD MALVERN FDS

SOLE

STRM INFPROIDX

Shares434.89K

TypeSH

Market value$21.06M

5.58%

Sole

336.64K

Shared

0.00

None

98.25K

T ROWE PRICE ETF INC

SOLE

CAP APPRECIATION

Shares524.51K

TypeSH

Market value$17.45M

4.63%

Sole

468.53K

Shared

0.00

None

55.99K

FRANKLIN TEMPLETON ETF TR

SOLE

US MID CP MLTFCT

Shares318.55K

TypeSH

Market value$17.30M

4.59%

Sole

220.30K

Shared

0.00

None

98.26K

SPDR INDEX SHS FDS

SOLE

ASIA PACIF ETF

Shares83.71K

TypeSH

Market value$9.67M

2.57%

Sole

58.12K

Shared

0.00

None

25.59K

SPDR SER TR

SOLE

S&P 600 SMCP GRW

Shares104.19K

TypeSH

Market value$9.41M

2.50%

Sole

72.19K

Shared

0.00

None

32K

PGIM ETF TR

SOLE

PGIM ULTRA SH BD

Shares117.65K

TypeSH

Market value$5.83M

1.55%

Sole

96.50K

Shared

0.00

None

21.15K

SCHWAB STRATEGIC TR

SOLE

INTL SCEQT ETF

Shares165.39K

TypeSH

Market value$5.68M

1.51%

Sole

143.48K

Shared

0.00

None

21.91K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares5.75K

TypeSH

Market value$3.10M

0.82%

Sole

1.69K

Shared

0.00

None

4.06K

SCHWAB STRATEGIC TR

SOLE

US BRD MKT ETF

Shares121.58K

TypeSH

Market value$2.76M

0.73%

Sole

113.52K

Shared

0.00

None

8.06K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares4.39K

TypeSH

Market value$2.58M

0.69%

Sole

3.25K

Shared

0.00

None

1.14K

SPDR INDEX SHS FDS

SOLE

PORTFLI MSCI GBL

Shares38.73K

TypeSH

Market value$2.45M

0.65%

Sole

31.93K

Shared

0.00

None

6.79K

SCHWAB STRATEGIC TR

SOLE

INT-TRM U.S TRES

Shares92.79K

TypeSH

Market value$2.25M

0.60%

Sole

79.90K

Shared

0.00

None

12.89K

ALPHABET INC

SOLE

CAP STK CL C

Shares9.03K

TypeSH

Market value$1.72M

0.46%

Sole

8.13K

Shared

0.00

None

902.00

SCHWAB STRATEGIC TR

SOLE

US LCAP GR ETF

Shares56.92K

TypeSH

Market value$1.59M

0.42%

Sole

19.20K

Shared

0.00

None

37.72K

VANGUARD WORLD FD

SOLE

INF TECH ETF

Shares1.98K

TypeSH

Market value$1.23M

0.33%

Sole

1.98K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE S&P TTL STK

Shares8.85K

TypeSH

Market value$1.14M

0.30%

Sole

8.85K

Shared

0.00

None

0.00

SPDR INDEX SHS FDS

SOLE

MSCI ACWI EXUS

Shares37.45K

TypeSH

Market value$1.05M

0.28%

Sole

26.26K

Shared

0.00

None

11.19K

ISHARES TR

SOLE

CORE US AGGBD ET

Shares10.07K

TypeSH

Market value$975.6K

0.26%

Sole

10.07K

Shared

0.00

None

0.00

SPDR SER TR

SOLE

PORTFOLIO S&P500

Shares9.84K

TypeSH

Market value$678.4K

0.18%

Sole

7.34K

Shared

0.00

None

2.50K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
SCHWAB STRATEGIC TRSOLE	US LRG CAP ETF	3.76M	SH	$87.10M 23.10%	2.74M	1.02M
SCHWAB STRATEGIC TRSOLE	INTL EQTY ETF	2.71M	SH	$50.13M 13.30%	2.34M	366.67K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL US B	1.64M	SH	$38.17M 10.12%	1.43M	210.04K
PIMCO EQUITY SERSOLE	RAFI DYN MULTI	1.20M	SH	$35.35M 9.38%	828.66K	368.13K
DIMENSIONAL ETF TRUSTSOLE	US HIGH PROFITAB	1.01M	SH	$34.16M 9.06%	875.43K	135.56K
SCHWAB STRATEGIC TRSOLE	US DIVIDEND EQ	776.61K	SH	$21.22M 5.63%	665.72K	110.89K
VANGUARD MALVERN FDSSOLE	STRM INFPROIDX	434.89K	SH	$21.06M 5.58%	336.64K	98.25K
T ROWE PRICE ETF INCSOLE	CAP APPRECIATION	524.51K	SH	$17.45M 4.63%	468.53K	55.99K
FRANKLIN TEMPLETON ETF TRSOLE	US MID CP MLTFCT	318.55K	SH	$17.30M 4.59%	220.30K	98.26K
SPDR INDEX SHS FDSSOLE	ASIA PACIF ETF	83.71K	SH	$9.67M 2.57%	58.12K	25.59K
SPDR SER TRSOLE	S&P 600 SMCP GRW	104.19K	SH	$9.41M 2.50%	72.19K	32K
PGIM ETF TRSOLE	PGIM ULTRA SH BD	117.65K	SH	$5.83M 1.55%	96.50K	21.15K
SCHWAB STRATEGIC TRSOLE	INTL SCEQT ETF	165.39K	SH	$5.68M 1.51%	143.48K	21.91K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	5.75K	SH	$3.10M 0.82%	1.69K	4.06K
SCHWAB STRATEGIC TRSOLE	US BRD MKT ETF	121.58K	SH	$2.76M 0.73%	113.52K	8.06K
ISHARES TRSOLE	CORE S&P500 ETF	4.39K	SH	$2.58M 0.69%	3.25K	1.14K
SPDR INDEX SHS FDSSOLE	PORTFLI MSCI GBL	38.73K	SH	$2.45M 0.65%	31.93K	6.79K
SCHWAB STRATEGIC TRSOLE	INT-TRM U.S TRES	92.79K	SH	$2.25M 0.60%	79.90K	12.89K
ALPHABET INCSOLE	CAP STK CL C	9.03K	SH	$1.72M 0.46%	8.13K	902.00
SCHWAB STRATEGIC TRSOLE	US LCAP GR ETF	56.92K	SH	$1.59M 0.42%	19.20K	37.72K
VANGUARD WORLD FDSOLE	INF TECH ETF	1.98K	SH	$1.23M 0.33%	1.98K	0.00
ISHARES TRSOLE	CORE S&P TTL STK	8.85K	SH	$1.14M 0.30%	8.85K	0.00
SPDR INDEX SHS FDSSOLE	MSCI ACWI EXUS	37.45K	SH	$1.05M 0.28%	26.26K	11.19K
ISHARES TRSOLE	CORE US AGGBD ET	10.07K	SH	$975.6K 0.26%	10.07K	0.00
SPDR SER TRSOLE	PORTFOLIO S&P500	9.84K	SH	$678.4K 0.18%	7.34K	2.50K

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