Filed: 10/8/2025ACC: 0001808394-25-000008
📋 What this filing means
FLOWER CITY CAPITAL filed this quarterly 13F‑HR report disclosing 43 equity positions with a total reported market value of $185.99M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
43
Positions
$185.99M
Total AUM (reported)
1.52M
Total Shares
Allocation by class
VNG RUS1000IDX$69.32M37.3%
ALLWRLD EX US$54.95M29.5%
S&P 500 ETF SHS$14.56M7.8%
COM$10.78M5.8%
CORE S&P500 ETF$8.36M4.5%
FTSE SMCAP ETF$5.61M3.0%
MSCI EAFE ETF$5.44M2.9%
Portfolio Concentration
Top 3$138.83M74.6%
4–10$31.08M16.7%
11–25$11.72M6.3%
Rest$4.36M2.3%
Top 3 weight
74.6%
Top 10 weight
91.4%
Voting Authority Distribution
Total shares with voting rights: 1.52M
Sole
Full voting authority
0.00
shares
% of voting shares0.0%
Shared
Joint voting authority
0.00
shares
% of voting shares0.0%
None
No voting authority
1.52M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole42
Shared0
Other1
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings43
Rows:
VANGUARD SCOTTSDALE FDS
SOLEShares229.26K
TypeSH
Market value$69.32M
37.27%
Sole
0.00
Shared
0.00
None
229.26K
VANGUARD INTL EQUITY INDEX F
SOLEShares769.90K
TypeSH
Market value$54.95M
29.54%
Sole
0.00
Shared
0.00
None
769.90K
VANGUARD INDEX FDS
SOLEShares23.71K
TypeSH
Market value$14.56M
7.83%
Sole
0.00
Shared
0.00
None
23.71K
ISHARES TR
SOLEShares12.49K
TypeSH
Market value$8.36M
4.50%
Sole
0.00
Shared
0.00
None
12.49K
VANGUARD INTL EQUITY INDEX F
SOLEShares39.38K
TypeSH
Market value$5.61M
3.02%
Sole
0.00
Shared
0.00
None
39.38K
ISHARES TR
SOLEShares58.32K
TypeSH
Market value$5.44M
2.93%
Sole
0.00
Shared
0.00
None
58.32K
APPLE INC
SOLEShares15.71K
TypeSH
Market value$4.00M
2.15%
Sole
0.00
Shared
0.00
None
15.71K
SCHWAB STRATEGIC TR
SOLEShares116.48K
TypeSH
Market value$3.07M
1.65%
Sole
0.00
Shared
0.00
None
116.48K
VANGUARD ADMIRAL FDS INC
SOLEShares26.52K
TypeSH
Market value$2.93M
1.58%
Sole
0.00
Shared
0.00
None
26.52K
MICROSOFT CORP
SOLEShares3.21K
TypeSH
Market value$1.66M
0.89%
Sole
0.00
Shared
0.00
None
3.21K
VANGUARD TAX-MANAGED FDS
SOLEShares24.42K
TypeSH
Market value$1.46M
0.79%
Sole
0.00
Shared
0.00
None
24.42K
NVIDIA CORPORATION
SOLEShares7.36K
TypeSH
Market value$1.37M
0.74%
Sole
0.00
Shared
0.00
None
7.36K
VANGUARD STAR FDS
SOLEShares15.44K
TypeSH
Market value$1.13M
0.61%
Sole
0.00
Shared
0.00
None
15.44K
VANGUARD INDEX FDS
SOLEShares3.44K
TypeSH
Market value$1.13M
0.61%
Sole
0.00
Shared
0.00
None
3.44K
AMAZON COM INC
SOLEShares4.55K
TypeSH
Market value$999.0K
0.54%
Sole
0.00
Shared
0.00
None
4.55K
VANGUARD SCOTTSDALE FDS
SOLEShares9.51K
TypeSH
Market value$929.9K
0.50%
Sole
0.00
Shared
0.00
None
9.51K
SCHWAB STRATEGIC TR
SOLEShares28.56K
TypeSH
Market value$664.8K
0.36%
Sole
0.00
Shared
0.00
None
28.56K
CHEVRON CORP NEW
SOLEShares4.04K
TypeSH
Market value$628.0K
0.34%
Sole
0.00
Shared
0.00
None
4.04K
VANGUARD INDEX FDS
SOLEShares1.26K
TypeSH
Market value$606.9K
0.33%
Sole
0.00
Shared
0.00
None
1.26K
VANGUARD INTL EQUITY INDEX F
SOLEShares3.95K
TypeSH
Market value$544.7K
0.29%
Sole
0.00
Shared
0.00
None
3.95K
ALPHABET INC
SOLEShares2.24K
TypeSH
Market value$544.5K
0.29%
Sole
0.00
Shared
0.00
None
2.24K
SPDR SERIES TRUST
SOLEShares5.82K
TypeSH
Market value$456.1K
0.25%
Sole
0.00
Shared
0.00
None
5.82K
HOME DEPOT INC
SOLEShares1.10K
TypeSH
Market value$445.7K
0.24%
Sole
0.00
Shared
0.00
None
1.10K
ISHARES TR
SOLEShares1.64K
TypeSH
Market value$397.8K
0.21%
Sole
0.00
Shared
0.00
None
1.64K
GE AEROSPACE
SOLEShares1.32K
TypeSH
Market value$397.3K
0.21%
Sole
0.00
Shared
0.00
None
1.32K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
VANGUARD SCOTTSDALE FDSSOLE | VNG RUS1000IDX | 229.26K | SH | $69.32M 37.27% | 0.00 | 0.00 | 229.26K |
VANGUARD INTL EQUITY INDEX FSOLE | ALLWRLD EX US | 769.90K | SH | $54.95M 29.54% | 0.00 | 0.00 | 769.90K |
VANGUARD INDEX FDSSOLE | S&P 500 ETF SHS | 23.71K | SH | $14.56M 7.83% | 0.00 | 0.00 | 23.71K |
ISHARES TRSOLE | CORE S&P500 ETF | 12.49K | SH | $8.36M 4.50% | 0.00 | 0.00 | 12.49K |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE SMCAP ETF | 39.38K | SH | $5.61M 3.02% | 0.00 | 0.00 | 39.38K |
ISHARES TRSOLE | MSCI EAFE ETF | 58.32K | SH | $5.44M 2.93% | 0.00 | 0.00 | 58.32K |
APPLE INCSOLE | COM | 15.71K | SH | $4.00M 2.15% | 0.00 | 0.00 | 15.71K |
SCHWAB STRATEGIC TRSOLE | US LRG CAP ETF | 116.48K | SH | $3.07M 1.65% | 0.00 | 0.00 | 116.48K |
VANGUARD ADMIRAL FDS INCSOLE | SMLLCP 600 IDX | 26.52K | SH | $2.93M 1.58% | 0.00 | 0.00 | 26.52K |
MICROSOFT CORPSOLE | COM | 3.21K | SH | $1.66M 0.89% | 0.00 | 0.00 | 3.21K |
VANGUARD TAX-MANAGED FDSSOLE | VAN FTSE DEV MKT | 24.42K | SH | $1.46M 0.79% | 0.00 | 0.00 | 24.42K |
NVIDIA CORPORATIONSOLE | COM | 7.36K | SH | $1.37M 0.74% | 0.00 | 0.00 | 7.36K |
VANGUARD STAR FDSSOLE | VG TL INTL STK F | 15.44K | SH | $1.13M 0.61% | 0.00 | 0.00 | 15.44K |
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 3.44K | SH | $1.13M 0.61% | 0.00 | 0.00 | 3.44K |
AMAZON COM INCSOLE | COM | 4.55K | SH | $999.0K 0.54% | 0.00 | 0.00 | 4.55K |
VANGUARD SCOTTSDALE FDSSOLE | VNG RUS2000IDX | 9.51K | SH | $929.9K 0.50% | 0.00 | 0.00 | 9.51K |
SCHWAB STRATEGIC TRSOLE | INTL EQTY ETF | 28.56K | SH | $664.8K 0.36% | 0.00 | 0.00 | 28.56K |
CHEVRON CORP NEWSOLE | COM | 4.04K | SH | $628.0K 0.34% | 0.00 | 0.00 | 4.04K |
VANGUARD INDEX FDSSOLE | GROWTH ETF | 1.26K | SH | $606.9K 0.33% | 0.00 | 0.00 | 1.26K |
VANGUARD INTL EQUITY INDEX FSOLE | TT WRLD ST ETF | 3.95K | SH | $544.7K 0.29% | 0.00 | 0.00 | 3.95K |
ALPHABET INCSOLE | CAP STK CL A | 2.24K | SH | $544.5K 0.29% | 0.00 | 0.00 | 2.24K |
SPDR SERIES TRUSTSOLE | PORTFOLIO S&P500 | 5.82K | SH | $456.1K 0.25% | 0.00 | 0.00 | 5.82K |
HOME DEPOT INCSOLE | COM | 1.10K | SH | $445.7K 0.24% | 0.00 | 0.00 | 1.10K |
ISHARES TRSOLE | RUSSELL 2000 ETF | 1.64K | SH | $397.8K 0.21% | 0.00 | 0.00 | 1.64K |
GE AEROSPACESOLE | COM NEW | 1.32K | SH | $397.3K 0.21% | 0.00 | 0.00 | 1.32K |
Page 1 of 2