FINANCIAL CONSULATE, INC

Filed: 4/25/2025ACC: 0001624510-25-000005

📋 What this filing means

FINANCIAL CONSULATE, INC filed this quarterly 13F‑HR report disclosing 26 equity positions with a total reported market value of $396.16M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$396.16M

Total AUM (reported)

14.76M

Total Shares

Allocation by class

US LRG CAP ETF$90.92M23.0%

RAFI DYN MULTI$59.20M14.9%

FUNDAMENTAL US B$37.67M9.5%

INTL EQTY ETF$36.90M9.3%

US HIGH PROFITAB$29.65M7.5%

STRM INFPROIDX$22.36M5.6%

US DIVIDEND EQ$21.78M5.5%

Portfolio Concentration

Top 3$187.79M47.4%

4–10$166.32M42.0%

11–25$41.55M10.5%

Rest$497.1K0.1%

Top 3 weight

47.4%

Top 10 weight

89.4%

Voting Authority Distribution

Total shares with voting rights: 14.76M

Sole

Full voting authority

11.48M

% of voting shares77.8%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

3.28M

% of voting shares22.2%

Investment Discretion (by position count)

Sole26

Shared0

Other0

Dominant voting typeSole · 77.8% of voting shares

Institutional Holdings26

Rows:

SCHWAB STRATEGIC TR

SOLE

US LRG CAP ETF

Shares4.12M

TypeSH

Market value$90.92M

22.95%

Sole

2.96M

Shared

0.00

None

1.16M

PIMCO EQUITY SER

SOLE

RAFI DYN MULTI

Shares1.85M

TypeSH

Market value$59.20M

14.94%

Sole

1.35M

Shared

0.00

None

497.87K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL US B

Shares1.64M

TypeSH

Market value$37.67M

9.51%

Sole

1.39M

Shared

0.00

None

242.05K

SCHWAB STRATEGIC TR

SOLE

INTL EQTY ETF

Shares1.87M

TypeSH

Market value$36.90M

9.31%

Sole

1.57M

Shared

0.00

None

295.61K

DIMENSIONAL ETF TRUST

SOLE

US HIGH PROFITAB

Shares894.62K

TypeSH

Market value$29.65M

7.48%

Sole

761.04K

Shared

0.00

None

133.57K

VANGUARD MALVERN FDS

SOLE

STRM INFPROIDX

Shares448.17K

TypeSH

Market value$22.36M

5.65%

Sole

338.66K

Shared

0.00

None

109.51K

SCHWAB STRATEGIC TR

SOLE

US DIVIDEND EQ

Shares779.05K

TypeSH

Market value$21.78M

5.50%

Sole

652.58K

Shared

0.00

None

126.47K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP ETF

Shares354.65K

TypeSH

Market value$21.19M

5.35%

Sole

274.84K

Shared

0.00

None

79.81K

FRANKLIN TEMPLETON ETF TR

SOLE

US MID CP MLTFCT

Shares332.86K

TypeSH

Market value$17.65M

4.45%

Sole

225.07K

Shared

0.00

None

107.80K

T ROWE PRICE ETF INC

SOLE

CAP APPRECIATION

Shares520.29K

TypeSH

Market value$16.80M

4.24%

Sole

453.50K

Shared

0.00

None

66.80K

SPDR INDEX SHS FDS

SOLE

ASIA PACIF ETF

Shares87.04K

TypeSH

Market value$10.07M

2.54%

Sole

59.10K

Shared

0.00

None

27.94K

DIMENSIONAL ETF TRUST

SOLE

US TARGETED VLU

Shares135.84K

TypeSH

Market value$6.99M

1.77%

Sole

114.10K

Shared

0.00

None

21.74K

PGIM ETF TR

SOLE

PGIM ULTRA SH BD

Shares117.42K

TypeSH

Market value$5.84M

1.47%

Sole

95.81K

Shared

0.00

None

21.61K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares5.91K

TypeSH

Market value$3.04M

0.77%

Sole

1.82K

Shared

0.00

None

4.09K

SCHWAB STRATEGIC TR

SOLE

US BRD MKT ETF

Shares121.89K

TypeSH

Market value$2.62M

0.66%

Sole

113.77K

Shared

0.00

None

8.12K

SPDR INDEX SHS FDS

SOLE

PORTFLI MSCI GBL

Shares39.42K

TypeSH

Market value$2.46M

0.62%

Sole

31.02K

Shared

0.00

None

8.40K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares4K

TypeSH

Market value$2.25M

0.57%

Sole

2.89K

Shared

0.00

None

1.11K

SCHWAB STRATEGIC TR

SOLE

INT-TRM U.S TRES

Shares89.57K

TypeSH

Market value$2.23M

0.56%

Sole

76.78K

Shared

0.00

None

12.79K

180 DEGREE CAP CORP

SOLE

COM NEW

Shares374.79K

TypeSH

Market value$1.49M

0.38%

Sole

350.60K

Shared

0.00

None

24.19K

SCHWAB STRATEGIC TR

SOLE

US LCAP GR ETF

Shares58.19K

TypeSH

Market value$1.46M

0.37%

Sole

19.21K

Shared

0.00

None

38.98K

DIGITALOCEAN HLDGS INC

SOLE

NOTE 12/0

Shares864K

TypeSH

Market value$806.2K

0.20%

Sole

590K

Shared

0.00

None

274K

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares2.29K

TypeSH

Market value$630.7K

0.16%

Sole

623.00

Shared

0.00

None

1.67K

ISHARES TR

SOLE

CORE US AGGBD ET

Shares6.02K

TypeSH

Market value$595.8K

0.15%

Sole

6.02K

Shared

0.00

None

0.00

SCHWAB STRATEGIC TR

SOLE

US MID-CAP ETF

Shares21.38K

TypeSH

Market value$560.2K

0.14%

Sole

4.20K

Shared

0.00

None

17.18K

VANGUARD CHARLOTTE FDS

SOLE

TOTAL INT BD ETF

Shares10.53K

TypeSH

Market value$513.9K

0.13%

Sole

10.53K

Shared

0.00

None

0.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
SCHWAB STRATEGIC TRSOLE	US LRG CAP ETF	4.12M	SH	$90.92M 22.95%	2.96M	1.16M
PIMCO EQUITY SERSOLE	RAFI DYN MULTI	1.85M	SH	$59.20M 14.94%	1.35M	497.87K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL US B	1.64M	SH	$37.67M 9.51%	1.39M	242.05K
SCHWAB STRATEGIC TRSOLE	INTL EQTY ETF	1.87M	SH	$36.90M 9.31%	1.57M	295.61K
DIMENSIONAL ETF TRUSTSOLE	US HIGH PROFITAB	894.62K	SH	$29.65M 7.48%	761.04K	133.57K
VANGUARD MALVERN FDSSOLE	STRM INFPROIDX	448.17K	SH	$22.36M 5.65%	338.66K	109.51K
SCHWAB STRATEGIC TRSOLE	US DIVIDEND EQ	779.05K	SH	$21.78M 5.50%	652.58K	126.47K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP ETF	354.65K	SH	$21.19M 5.35%	274.84K	79.81K
FRANKLIN TEMPLETON ETF TRSOLE	US MID CP MLTFCT	332.86K	SH	$17.65M 4.45%	225.07K	107.80K
T ROWE PRICE ETF INCSOLE	CAP APPRECIATION	520.29K	SH	$16.80M 4.24%	453.50K	66.80K
SPDR INDEX SHS FDSSOLE	ASIA PACIF ETF	87.04K	SH	$10.07M 2.54%	59.10K	27.94K
DIMENSIONAL ETF TRUSTSOLE	US TARGETED VLU	135.84K	SH	$6.99M 1.77%	114.10K	21.74K
PGIM ETF TRSOLE	PGIM ULTRA SH BD	117.42K	SH	$5.84M 1.47%	95.81K	21.61K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	5.91K	SH	$3.04M 0.77%	1.82K	4.09K
SCHWAB STRATEGIC TRSOLE	US BRD MKT ETF	121.89K	SH	$2.62M 0.66%	113.77K	8.12K
SPDR INDEX SHS FDSSOLE	PORTFLI MSCI GBL	39.42K	SH	$2.46M 0.62%	31.02K	8.40K
ISHARES TRSOLE	CORE S&P500 ETF	4K	SH	$2.25M 0.57%	2.89K	1.11K
SCHWAB STRATEGIC TRSOLE	INT-TRM U.S TRES	89.57K	SH	$2.23M 0.56%	76.78K	12.79K
180 DEGREE CAP CORPSOLE	COM NEW	374.79K	SH	$1.49M 0.38%	350.60K	24.19K
SCHWAB STRATEGIC TRSOLE	US LCAP GR ETF	58.19K	SH	$1.46M 0.37%	19.21K	38.98K
DIGITALOCEAN HLDGS INCSOLE	NOTE 12/0	864K	SH	$806.2K 0.20%	590K	274K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	2.29K	SH	$630.7K 0.16%	623.00	1.67K
ISHARES TRSOLE	CORE US AGGBD ET	6.02K	SH	$595.8K 0.15%	6.02K	0.00
SCHWAB STRATEGIC TRSOLE	US MID-CAP ETF	21.38K	SH	$560.2K 0.14%	4.20K	17.18K
VANGUARD CHARLOTTE FDSSOLE	TOTAL INT BD ETF	10.53K	SH	$513.9K 0.13%	10.53K	0.00

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