FINANCIAL CONSULATE, INC

PrivateCIK: 1624510

Location

HUNT VALLEY, MD

1402

Positions

$802.59M

Total AUM (reported)

25.60M

Total Shares

Allocation by class

US LRG CAP ETF$133.13M16.6%

COM$88.12M11.0%

US HIGH PROFITAB$74.94M9.3%

RAFI DYN MULTI$67.15M8.4%

INTL EQTY ETF$45.90M5.7%

INTL HIGH PROFIT$39.84M5.0%

TRUST ISHARE 0-1$36.29M4.5%

Portfolio Concentration

Top 3$275.22M34.3%

4–10$242.32M30.2%

11–25$174.18M21.7%

Rest$110.87M13.8%

Top 3 weight

34.3%

Top 10 weight

64.5%

Voting Authority Distribution

Total shares with voting rights: 25.60M

Sole

Full voting authority

18.02M

% of voting shares70.4%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

7.59M

% of voting shares29.6%

Investment Discretion (by position count)

Sole1402

Shared0

Other0

Dominant voting typeSole · 70.4% of voting shares

Institutional Holdings1402

Rows:

SCHWAB STRATEGIC TR

SOLE

US LRG CAP ETF

Shares5.19M

TypeSH

Market value$133.13M

16.59%

Sole

3.51M

Shared

0.00

None

1.68M

DIMENSIONAL ETF TRUST

SOLE

US HIGH PROFITAB

Shares2.04M

TypeSH

Market value$74.94M

9.34%

Sole

1.59M

Shared

0.00

None

452.44K

PIMCO EQUITY SER

SOLE

RAFI DYN MULTI

Shares1.69M

TypeSH

Market value$67.15M

8.37%

Sole

1.11M

Shared

0.00

None

580.20K

SCHWAB STRATEGIC TR

SOLE

INTL EQTY ETF

Shares1.85M

TypeSH

Market value$45.90M

5.72%

Sole

1.42M

Shared

0.00

None

433.34K

DIMENSIONAL ETF TRUST

SOLE

INTL HIGH PROFIT

Shares1.24M

TypeSH

Market value$39.84M

4.96%

Sole

942.63K

Shared

0.00

None

293.95K

ISHARES TR

SOLE

TRUST ISHARE 0-1

Shares328.72K

TypeSH

Market value$36.29M

4.52%

Sole

224.51K

Shared

0.00

None

104.20K

VANGUARD MALVERN FDS

SOLE

STRM INFPROIDX

Shares705.95K

TypeSH

Market value$35.26M

4.39%

Sole

479.88K

Shared

0.00

None

226.07K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP ETF

Shares422.59K

TypeSH

Market value$30.06M

3.75%

Sole

302.07K

Shared

0.00

None

120.52K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL US B

Shares1.04M

TypeSH

Market value$28.28M

3.52%

Sole

809.33K

Shared

0.00

None

230.21K

ISHARES TR

SOLE

1 3 YR TREAS BD

Shares323.28K

TypeSH

Market value$26.69M

3.33%

Sole

220.29K

Shared

0.00

None

102.99K

FRANKLIN TEMPLETON ETF TR

SOLE

US MID CP MLTFCT

Shares376.02K

TypeSH

Market value$20.65M

2.57%

Sole

236.45K

Shared

0.00

None

139.56K

APPLE INC

SOLE

COM

Shares77.29K

TypeSH

Market value$19.61M

2.44%

Sole

72.71K

Shared

0.00

None

4.58K

PGIM ETF TR

SOLE

PGIM ULTRA SH BD

Shares395.81K

TypeSH

Market value$19.59M

2.44%

Sole

269.12K

Shared

0.00

None

126.69K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL EMER

Shares453.68K

TypeSH

Market value$17.36M

2.16%

Sole

347.97K

Shared

0.00

None

105.71K

T ROWE PRICE ETF INC

SOLE

CAP APPRECIATION

Shares443.94K

TypeSH

Market value$15.80M

1.97%

Sole

349.07K

Shared

0.00

None

94.87K

PIMCO EQUITY SER

SOLE

RAFI DYN ML US

Shares263.49K

TypeSH

Market value$15.39M

1.92%

Sole

204.55K

Shared

0.00

None

58.94K

SCHWAB STRATEGIC TR

SOLE

US DIVIDEND EQ

Shares413.53K

TypeSH

Market value$12.69M

1.58%

Sole

311.10K

Shared

0.00

None

102.43K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL INTL

Shares241.30K

TypeSH

Market value$11.81M

1.47%

Sole

187.80K

Shared

0.00

None

53.50K

MCCORMICK & CO INC

SOLE

COM NON VTG

Shares183.49K

TypeSH

Market value$9.26M

1.15%

Sole

98.30K

Shared

0.00

None

85.19K

SPDR INDEX SHS FDS

SOLE

STATE STREET SPD

Shares67.38K

TypeSH

Market value$9.17M

1.14%

Sole

42.05K

Shared

0.00

None

25.33K

PATRICK INDS INC

SOLE

COM

Shares52.65K

TypeSH

Market value$5.85M

0.73%

Sole

52.65K

Shared

0.00

None

0.00

SPDR INDEX SHS FDS

SOLE

STATE STREET SPD

Shares67.10K

TypeSH

Market value$5.08M

0.63%

Sole

56.16K

Shared

0.00

None

10.95K

NVIDIA CORPORATION

SOLE

COM

Shares27.35K

TypeSH

Market value$4.77M

0.59%

Sole

14.45K

Shared

0.00

None

12.90K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares6.42K

TypeSH

Market value$3.83M

0.48%

Sole

1.89K

Shared

0.00

None

4.53K

10X GENOMICS INC

SOLE

CL A COM

Shares156.46K

TypeSH

Market value$3.32M

0.41%

Sole

156.46K

Shared

0.00

None

0.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
SCHWAB STRATEGIC TRSOLE	US LRG CAP ETF	5.19M	SH	$133.13M 16.59%	3.51M	1.68M
DIMENSIONAL ETF TRUSTSOLE	US HIGH PROFITAB	2.04M	SH	$74.94M 9.34%	1.59M	452.44K
PIMCO EQUITY SERSOLE	RAFI DYN MULTI	1.69M	SH	$67.15M 8.37%	1.11M	580.20K
SCHWAB STRATEGIC TRSOLE	INTL EQTY ETF	1.85M	SH	$45.90M 5.72%	1.42M	433.34K
DIMENSIONAL ETF TRUSTSOLE	INTL HIGH PROFIT	1.24M	SH	$39.84M 4.96%	942.63K	293.95K
ISHARES TRSOLE	TRUST ISHARE 0-1	328.72K	SH	$36.29M 4.52%	224.51K	104.20K
VANGUARD MALVERN FDSSOLE	STRM INFPROIDX	705.95K	SH	$35.26M 4.39%	479.88K	226.07K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP ETF	422.59K	SH	$30.06M 3.75%	302.07K	120.52K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL US B	1.04M	SH	$28.28M 3.52%	809.33K	230.21K
ISHARES TRSOLE	1 3 YR TREAS BD	323.28K	SH	$26.69M 3.33%	220.29K	102.99K
FRANKLIN TEMPLETON ETF TRSOLE	US MID CP MLTFCT	376.02K	SH	$20.65M 2.57%	236.45K	139.56K
APPLE INCSOLE	COM	77.29K	SH	$19.61M 2.44%	72.71K	4.58K
PGIM ETF TRSOLE	PGIM ULTRA SH BD	395.81K	SH	$19.59M 2.44%	269.12K	126.69K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL EMER	453.68K	SH	$17.36M 2.16%	347.97K	105.71K
T ROWE PRICE ETF INCSOLE	CAP APPRECIATION	443.94K	SH	$15.80M 1.97%	349.07K	94.87K
PIMCO EQUITY SERSOLE	RAFI DYN ML US	263.49K	SH	$15.39M 1.92%	204.55K	58.94K
SCHWAB STRATEGIC TRSOLE	US DIVIDEND EQ	413.53K	SH	$12.69M 1.58%	311.10K	102.43K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL INTL	241.30K	SH	$11.81M 1.47%	187.80K	53.50K
MCCORMICK & CO INCSOLE	COM NON VTG	183.49K	SH	$9.26M 1.15%	98.30K	85.19K
SPDR INDEX SHS FDSSOLE	STATE STREET SPD	67.38K	SH	$9.17M 1.14%	42.05K	25.33K
PATRICK INDS INCSOLE	COM	52.65K	SH	$5.85M 0.73%	52.65K	0.00
SPDR INDEX SHS FDSSOLE	STATE STREET SPD	67.10K	SH	$5.08M 0.63%	56.16K	10.95K
NVIDIA CORPORATIONSOLE	COM	27.35K	SH	$4.77M 0.59%	14.45K	12.90K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	6.42K	SH	$3.83M 0.48%	1.89K	4.53K
10X GENOMICS INCSOLE	CL A COM	156.46K	SH	$3.32M 0.41%	156.46K	0.00

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