FINANCIAL CONSULATE, INC

PrivateCIK: 1624510

Location

HUNT VALLEY, MD

1896

Positions

$898.80M

Total AUM (reported)

26.65M

Total Shares

Allocation by class

US LRG CAP ETF$157.01M17.5%

COM$96.33M10.7%

U.S. HIGH RELATI$87.79M9.8%

RAFI DYN MULTI$70.15M7.8%

INTL EQTY ETF$53.13M5.9%

INTL HIGH PROFIT$43.79M4.9%

TRUST ISHARE 0-1$38.98M4.3%

Portfolio Concentration

Top 3$314.95M35.0%

4–10$266.02M29.6%

11–25$195.31M21.7%

Rest$122.51M13.6%

Top 3 weight

35.0%

Top 10 weight

64.6%

Voting Authority Distribution

Total shares with voting rights: 26.65M

Sole

Full voting authority

18.04M

% of voting shares67.7%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

8.61M

% of voting shares32.3%

Investment Discretion (by position count)

Sole1896

Shared0

Other0

Dominant voting typeSole · 67.7% of voting shares

Institutional Holdings1896

Rows:

SCHWAB STRATEGIC TR

SOLE

US LRG CAP ETF

Shares5.23M

TypeSH

Market value$157.01M

17.47%

Sole

3.44M

Shared

0.00

None

1.79M

DFA INVT DIMENSIONS GROUP IN

SOLE

U.S. HIGH RELATI

Shares2.09M

TypeSH

Market value$87.79M

9.77%

Sole

1.55M

Shared

0.00

None

548.25K

PIMCO EQUITY SER

SOLE

RAFI DYN MULTI

Shares1.69M

TypeSH

Market value$70.15M

7.80%

Sole

1.09M

Shared

0.00

None

603.76K

SCHWAB STRATEGIC TR

SOLE

INTL EQTY ETF

Shares1.93M

TypeSH

Market value$53.13M

5.91%

Sole

1.42M

Shared

0.00

None

518.75K

DIMENSIONAL ETF TRUST

SOLE

INTL HIGH PROFIT

Shares1.30M

TypeSH

Market value$43.79M

4.87%

Sole

936.96K

Shared

0.00

None

362.94K

ISHARES TR

SOLE

TRUST ISHARE 0-1

Shares353.38K

TypeSH

Market value$38.98M

4.34%

Sole

224.48K

Shared

0.00

None

128.90K

VANGUARD MALVERN FDS

SOLE

STRM INFPROIDX

Shares749.38K

TypeSH

Market value$36.88M

4.10%

Sole

470.24K

Shared

0.00

None

279.14K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP ETF

Shares429.45K

TypeSH

Market value$33.25M

3.70%

Sole

296.35K

Shared

0.00

None

133.10K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL US B

Shares1.07M

TypeSH

Market value$32.90M

3.66%

Sole

794.89K

Shared

0.00

None

280.02K

ISHARES TR

SOLE

1 3 YR TREAS BD

Shares333.52K

TypeSH

Market value$27.08M

3.01%

Sole

209.24K

Shared

0.00

None

124.29K

APPLE INC

SOLE

COM

Shares75.81K

TypeSH

Market value$25.25M

2.81%

Sole

70.68K

Shared

0.00

None

5.13K

FRANKLIN TEMPLETON ETF TR

SOLE

US MID CP MLTFCT

Shares377.40K

TypeSH

Market value$21.68M

2.41%

Sole

234.48K

Shared

0.00

None

142.92K

PGIM ETF TR

SOLE

PGIM ULTRA SH BD

Shares432.48K

TypeSH

Market value$21.40M

2.38%

Sole

272.86K

Shared

0.00

None

159.63K

SCHWAB STRATEGIC TR

SOLE

FUND EM EQUI ETF

Shares476.68K

TypeSH

Market value$19.96M

2.22%

Sole

346.75K

Shared

0.00

None

129.93K

T ROWE PRICE EXCHANGE-TRADED

SOLE

CAP APPRECIATION

Shares450.95K

TypeSH

Market value$19.06M

2.12%

Sole

340.43K

Shared

0.00

None

110.52K

PIMCO EQUITY SER

SOLE

RAFI DYN ML US

Shares272.17K

TypeSH

Market value$17.64M

1.96%

Sole

200.48K

Shared

0.00

None

71.69K

SCHWAB STRATEGIC TR

SOLE

US DIVIDEND EQ

Shares427.05K

TypeSH

Market value$13.89M

1.55%

Sole

303.25K

Shared

0.00

None

123.80K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL INTL

Shares243.22K

TypeSH

Market value$13.07M

1.45%

Sole

179.03K

Shared

0.00

None

64.18K

SPDR INDEX SHS FDS

SOLE

ST STR ASIA ETF

Shares66.60K

TypeSH

Market value$10.40M

1.16%

Sole

41.29K

Shared

0.00

None

25.31K

MCCORMICK & CO INC

SOLE

COM NON VTG

Shares179.81K

TypeSH

Market value$8.34M

0.93%

Sole

94.60K

Shared

0.00

None

85.21K

NVIDIA CORPORATION

SOLE

COM

Shares28.58K

TypeSH

Market value$6.53M

0.73%

Sole

14.42K

Shared

0.00

None

14.16K

10X GENOMICS INC

SOLE

CL A COM

Shares67.24K

TypeSH

Market value$6.08M

0.68%

Sole

67.22K

Shared

0.00

None

22.00

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares6.20K

TypeSH

Market value$4.35M

0.48%

Sole

1.86K

Shared

0.00

None

4.34K

MICROSOFT CORP

SOLE

COM

Shares8.01K

TypeSH

Market value$4.11M

0.46%

Sole

6.40K

Shared

0.00

None

1.61K

PATRICK INDS INC

SOLE

COM

Shares52.65K

TypeSH

Market value$3.57M

0.40%

Sole

52.65K

Shared

0.00

None

0.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
SCHWAB STRATEGIC TRSOLE	US LRG CAP ETF	5.23M	SH	$157.01M 17.47%	3.44M	1.79M
DFA INVT DIMENSIONS GROUP INSOLE	U.S. HIGH RELATI	2.09M	SH	$87.79M 9.77%	1.55M	548.25K
PIMCO EQUITY SERSOLE	RAFI DYN MULTI	1.69M	SH	$70.15M 7.80%	1.09M	603.76K
SCHWAB STRATEGIC TRSOLE	INTL EQTY ETF	1.93M	SH	$53.13M 5.91%	1.42M	518.75K
DIMENSIONAL ETF TRUSTSOLE	INTL HIGH PROFIT	1.30M	SH	$43.79M 4.87%	936.96K	362.94K
ISHARES TRSOLE	TRUST ISHARE 0-1	353.38K	SH	$38.98M 4.34%	224.48K	128.90K
VANGUARD MALVERN FDSSOLE	STRM INFPROIDX	749.38K	SH	$36.88M 4.10%	470.24K	279.14K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP ETF	429.45K	SH	$33.25M 3.70%	296.35K	133.10K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL US B	1.07M	SH	$32.90M 3.66%	794.89K	280.02K
ISHARES TRSOLE	1 3 YR TREAS BD	333.52K	SH	$27.08M 3.01%	209.24K	124.29K
APPLE INCSOLE	COM	75.81K	SH	$25.25M 2.81%	70.68K	5.13K
FRANKLIN TEMPLETON ETF TRSOLE	US MID CP MLTFCT	377.40K	SH	$21.68M 2.41%	234.48K	142.92K
PGIM ETF TRSOLE	PGIM ULTRA SH BD	432.48K	SH	$21.40M 2.38%	272.86K	159.63K
SCHWAB STRATEGIC TRSOLE	FUND EM EQUI ETF	476.68K	SH	$19.96M 2.22%	346.75K	129.93K
T ROWE PRICE EXCHANGE-TRADEDSOLE	CAP APPRECIATION	450.95K	SH	$19.06M 2.12%	340.43K	110.52K
PIMCO EQUITY SERSOLE	RAFI DYN ML US	272.17K	SH	$17.64M 1.96%	200.48K	71.69K
SCHWAB STRATEGIC TRSOLE	US DIVIDEND EQ	427.05K	SH	$13.89M 1.55%	303.25K	123.80K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL INTL	243.22K	SH	$13.07M 1.45%	179.03K	64.18K
SPDR INDEX SHS FDSSOLE	ST STR ASIA ETF	66.60K	SH	$10.40M 1.16%	41.29K	25.31K
MCCORMICK & CO INCSOLE	COM NON VTG	179.81K	SH	$8.34M 0.93%	94.60K	85.21K
NVIDIA CORPORATIONSOLE	COM	28.58K	SH	$6.53M 0.73%	14.42K	14.16K
10X GENOMICS INCSOLE	CL A COM	67.24K	SH	$6.08M 0.68%	67.22K	22.00
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	6.20K	SH	$4.35M 0.48%	1.86K	4.34K
MICROSOFT CORPSOLE	COM	8.01K	SH	$4.11M 0.46%	6.40K	1.61K
PATRICK INDS INCSOLE	COM	52.65K	SH	$3.57M 0.40%	52.65K	0.00

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