FINANCIAL CONSULATE, INC

Filed: 1/22/2026ACC: 0001624510-26-000001

📋 What this filing means

FINANCIAL CONSULATE, INC filed this quarterly 13F‑HR report disclosing 1339 equity positions with a total reported market value of $731.40M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

1339

Positions

$731.40M

Total AUM (reported)

25.95M

Total Shares

Allocation by class

US LRG CAP ETF$139.98M19.1%

COM$96.47M13.2%

US HIGH PROFITAB$75.61M10.3%

RAFI DYN MULTI$64.14M8.8%

INTL EQTY ETF$43.84M6.0%

INTL HIGH PROFIT$37.84M5.2%

US SMALL CAP ETF$29.57M4.0%

Portfolio Concentration

Top 3$279.74M38.2%

4–10$209.11M28.6%

11–25$129.77M17.7%

Rest$112.78M15.4%

Top 3 weight

38.2%

Top 10 weight

66.8%

Voting Authority Distribution

Total shares with voting rights: 25.95M

Sole

Full voting authority

18.40M

% of voting shares70.9%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

7.55M

% of voting shares29.1%

Investment Discretion (by position count)

Sole1339

Shared0

Other0

Dominant voting typeSole · 70.9% of voting shares

Institutional Holdings1339

Rows:

SCHWAB STRATEGIC TR

SOLE

US LRG CAP ETF

Shares5.20M

TypeSH

Market value$139.98M

19.14%

Sole

3.53M

Shared

0.00

None

1.67M

DIMENSIONAL ETF TRUST

SOLE

US HIGH PROFITAB

Shares1.99M

TypeSH

Market value$75.61M

10.34%

Sole

1.57M

Shared

0.00

None

417.88K

PIMCO EQUITY SER

SOLE

RAFI DYN MULTI

Shares1.67M

TypeSH

Market value$64.14M

8.77%

Sole

1.10M

Shared

0.00

None

569.50K

SCHWAB STRATEGIC TR

SOLE

INTL EQTY ETF

Shares1.82M

TypeSH

Market value$43.84M

5.99%

Sole

1.42M

Shared

0.00

None

405.45K

DIMENSIONAL ETF TRUST

SOLE

INTL HIGH PROFIT

Shares1.20M

TypeSH

Market value$37.84M

5.17%

Sole

925.14K

Shared

0.00

None

270.01K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP ETF

Shares424.50K

TypeSH

Market value$29.57M

4.04%

Sole

304.34K

Shared

0.00

None

120.16K

VANGUARD MALVERN FDS

SOLE

STRM INFPROIDX

Shares557.60K

TypeSH

Market value$27.58M

3.77%

Sole

390.08K

Shared

0.00

None

167.52K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL US B

Shares1.02M

TypeSH

Market value$27.08M

3.70%

Sole

806.73K

Shared

0.00

None

212.54K

SCHWAB STRATEGIC TR

SOLE

US DIVIDEND EQ

Shares794.90K

TypeSH

Market value$21.80M

2.98%

Sole

616.14K

Shared

0.00

None

178.76K

FRANKLIN TEMPLETON ETF TR

SOLE

US MID CP MLTFCT

Shares380.18K

TypeSH

Market value$21.39M

2.92%

Sole

238.34K

Shared

0.00

None

141.84K

APPLE INC

SOLE

COM

Shares78.10K

TypeSH

Market value$21.23M

2.90%

Sole

72.88K

Shared

0.00

None

5.22K

T ROWE PRICE ETF INC

SOLE

CAP APPRECIATION

Shares441.93K

TypeSH

Market value$16.89M

2.31%

Sole

350.36K

Shared

0.00

None

91.57K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL EMER

Shares441.51K

TypeSH

Market value$15.92M

2.18%

Sole

341.05K

Shared

0.00

None

100.46K

MCCORMICK & CO INC

SOLE

COM NON VTG

Shares183.41K

TypeSH

Market value$12.49M

1.71%

Sole

98.20K

Shared

0.00

None

85.21K

PGIM ETF TR

SOLE

PGIM ULTRA SH BD

Shares229.71K

TypeSH

Market value$11.39M

1.56%

Sole

167.16K

Shared

0.00

None

62.55K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL INTL

Shares234.29K

TypeSH

Market value$10.59M

1.45%

Sole

185.30K

Shared

0.00

None

48.99K

SPDR INDEX SHS FDS

SOLE

ASIA PACIF ETF

Shares67.02K

TypeSH

Market value$9.30M

1.27%

Sole

42.25K

Shared

0.00

None

24.77K

PATRICK INDS INC

SOLE

COM

Shares52.65K

TypeSH

Market value$5.71M

0.78%

Sole

52.65K

Shared

0.00

None

0.00

NVIDIA CORPORATION

SOLE

COM

Shares27.40K

TypeSH

Market value$5.11M

0.70%

Sole

14.80K

Shared

0.00

None

12.60K

PIMCO EQUITY SER

SOLE

RAFI DYN ML US

Shares76.17K

TypeSH

Market value$4.31M

0.59%

Sole

59.78K

Shared

0.00

None

16.39K

MICROSOFT CORP

SOLE

COM

Shares8.31K

TypeSH

Market value$4.02M

0.55%

Sole

6.60K

Shared

0.00

None

1.71K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares5.97K

TypeSH

Market value$3.75M

0.51%

Sole

1.78K

Shared

0.00

None

4.20K

SPDR INDEX SHS FDS

SOLE

PORTFLI MSCI GBL

Shares44.80K

TypeSH

Market value$3.44M

0.47%

Sole

31.39K

Shared

0.00

None

13.41K

SCHWAB STRATEGIC TR

SOLE

US BRD MKT ETF

Shares110.72K

TypeSH

Market value$2.90M

0.40%

Sole

95.66K

Shared

0.00

None

15.06K

AMAZON COM INC

SOLE

COM

Shares11.77K

TypeSH

Market value$2.72M

0.37%

Sole

7.81K

Shared

0.00

None

3.96K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
SCHWAB STRATEGIC TRSOLE	US LRG CAP ETF	5.20M	SH	$139.98M 19.14%	3.53M	1.67M
DIMENSIONAL ETF TRUSTSOLE	US HIGH PROFITAB	1.99M	SH	$75.61M 10.34%	1.57M	417.88K
PIMCO EQUITY SERSOLE	RAFI DYN MULTI	1.67M	SH	$64.14M 8.77%	1.10M	569.50K
SCHWAB STRATEGIC TRSOLE	INTL EQTY ETF	1.82M	SH	$43.84M 5.99%	1.42M	405.45K
DIMENSIONAL ETF TRUSTSOLE	INTL HIGH PROFIT	1.20M	SH	$37.84M 5.17%	925.14K	270.01K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP ETF	424.50K	SH	$29.57M 4.04%	304.34K	120.16K
VANGUARD MALVERN FDSSOLE	STRM INFPROIDX	557.60K	SH	$27.58M 3.77%	390.08K	167.52K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL US B	1.02M	SH	$27.08M 3.70%	806.73K	212.54K
SCHWAB STRATEGIC TRSOLE	US DIVIDEND EQ	794.90K	SH	$21.80M 2.98%	616.14K	178.76K
FRANKLIN TEMPLETON ETF TRSOLE	US MID CP MLTFCT	380.18K	SH	$21.39M 2.92%	238.34K	141.84K
APPLE INCSOLE	COM	78.10K	SH	$21.23M 2.90%	72.88K	5.22K
T ROWE PRICE ETF INCSOLE	CAP APPRECIATION	441.93K	SH	$16.89M 2.31%	350.36K	91.57K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL EMER	441.51K	SH	$15.92M 2.18%	341.05K	100.46K
MCCORMICK & CO INCSOLE	COM NON VTG	183.41K	SH	$12.49M 1.71%	98.20K	85.21K
PGIM ETF TRSOLE	PGIM ULTRA SH BD	229.71K	SH	$11.39M 1.56%	167.16K	62.55K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL INTL	234.29K	SH	$10.59M 1.45%	185.30K	48.99K
SPDR INDEX SHS FDSSOLE	ASIA PACIF ETF	67.02K	SH	$9.30M 1.27%	42.25K	24.77K
PATRICK INDS INCSOLE	COM	52.65K	SH	$5.71M 0.78%	52.65K	0.00
NVIDIA CORPORATIONSOLE	COM	27.40K	SH	$5.11M 0.70%	14.80K	12.60K
PIMCO EQUITY SERSOLE	RAFI DYN ML US	76.17K	SH	$4.31M 0.59%	59.78K	16.39K
MICROSOFT CORPSOLE	COM	8.31K	SH	$4.02M 0.55%	6.60K	1.71K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	5.97K	SH	$3.75M 0.51%	1.78K	4.20K
SPDR INDEX SHS FDSSOLE	PORTFLI MSCI GBL	44.80K	SH	$3.44M 0.47%	31.39K	13.41K
SCHWAB STRATEGIC TRSOLE	US BRD MKT ETF	110.72K	SH	$2.90M 0.40%	95.66K	15.06K
AMAZON COM INCSOLE	COM	11.77K	SH	$2.72M 0.37%	7.81K	3.96K

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