Filed: 1/22/2026ACC: 0001808394-26-000001
📋 What this filing means
FLOWER CITY CAPITAL filed this quarterly 13F‑HR report disclosing 44 equity positions with a total reported market value of $196.07M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
44
Positions
$196.07M
Total AUM (reported)
1.60M
Total Shares
Allocation by class
VNG RUS1000IDX$73.55M37.5%
ALLWRLD EX US$58.50M29.8%
S&P 500 ETF SHS$14.87M7.6%
COM$10.39M5.3%
CORE S&P500 ETF$8.49M4.3%
FTSE SMCAP ETF$5.79M3.0%
MSCI EAFE ETF$5.59M2.9%
Portfolio Concentration
Top 3$146.92M74.9%
4–10$32.03M16.3%
11–25$12.15M6.2%
Rest$4.97M2.5%
Top 3 weight
74.9%
Top 10 weight
91.3%
Voting Authority Distribution
Total shares with voting rights: 1.60M
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
1.60M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole43
Shared0
Other1
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings44
Rows:
VANGUARD SCOTTSDALE FDS
SOLEShares238.01K
TypeSH
Market value$73.55M
37.51%
Sole
0.00
Shared
0.00
None
238.01K
VANGUARD INTL EQUITY INDEX F
SOLEShares795.24K
TypeSH
Market value$58.50M
29.83%
Sole
0.00
Shared
0.00
None
795.24K
VANGUARD INDEX FDS
SOLEShares23.71K
TypeSH
Market value$14.87M
7.58%
Sole
0.00
Shared
0.00
None
23.71K
ISHARES TR
SOLEShares12.40K
TypeSH
Market value$8.49M
4.33%
Sole
0.00
Shared
0.00
None
12.40K
VANGUARD INTL EQUITY INDEX F
SOLEShares40.38K
TypeSH
Market value$5.79M
2.95%
Sole
0.00
Shared
0.00
None
40.38K
ISHARES TR
SOLEShares58.26K
TypeSH
Market value$5.59M
2.85%
Sole
0.00
Shared
0.00
None
58.26K
APPLE INC
SOLEShares15.07K
TypeSH
Market value$4.10M
2.09%
Sole
0.00
Shared
0.00
None
15.07K
SCHWAB STRATEGIC TR
SOLEShares126.84K
TypeSH
Market value$3.41M
1.74%
Sole
0.00
Shared
0.00
None
126.84K
VANGUARD ADMIRAL FDS INC
SOLEShares27.81K
TypeSH
Market value$3.09M
1.57%
Sole
0.00
Shared
0.00
None
27.81K
MICROSOFT CORP
SOLEShares3.21K
TypeSH
Market value$1.55M
0.79%
Sole
0.00
Shared
0.00
None
3.21K
VANGUARD TAX-MANAGED FDS
SOLEShares24.71K
TypeSH
Market value$1.54M
0.79%
Sole
0.00
Shared
0.00
None
24.71K
NVIDIA CORPORATION
SOLEShares7.35K
TypeSH
Market value$1.37M
0.70%
Sole
0.00
Shared
0.00
None
7.35K
VANGUARD INDEX FDS
SOLEShares3.72K
TypeSH
Market value$1.25M
0.64%
Sole
0.00
Shared
0.00
None
3.72K
AMAZON COM INC
SOLEShares4.41K
TypeSH
Market value$1.02M
0.52%
Sole
0.00
Shared
0.00
None
4.41K
VANGUARD SCOTTSDALE FDS
SOLEShares9.51K
TypeSH
Market value$946.0K
0.48%
Sole
0.00
Shared
0.00
None
9.51K
SCHWAB STRATEGIC TR
SOLEShares35.34K
TypeSH
Market value$849.5K
0.43%
Sole
0.00
Shared
0.00
None
35.34K
ALPHABET INC
SOLEShares2.24K
TypeSH
Market value$701.1K
0.36%
Sole
0.00
Shared
0.00
None
2.24K
VANGUARD BD INDEX FDS
SOLEShares9.31K
TypeSH
Market value$689.6K
0.35%
Sole
0.00
Shared
0.00
None
9.31K
VANGUARD STAR FDS
SOLEShares8.77K
TypeSH
Market value$661.5K
0.34%
Sole
0.00
Shared
0.00
None
8.77K
VANGUARD INDEX FDS
SOLEShares1.26K
TypeSH
Market value$615.7K
0.31%
Sole
0.00
Shared
0.00
None
1.26K
CHEVRON CORP NEW
SOLEShares3.82K
TypeSH
Market value$581.9K
0.30%
Sole
0.00
Shared
0.00
None
3.82K
VANGUARD INTL EQUITY INDEX F
SOLEShares3.97K
TypeSH
Market value$559.7K
0.29%
Sole
0.00
Shared
0.00
None
3.97K
SPDR SERIES TRUST
SOLEShares6.10K
TypeSH
Market value$489.0K
0.25%
Sole
0.00
Shared
0.00
None
6.10K
TPG INC
SOLEShares7.16K
TypeSH
Market value$457.1K
0.23%
Sole
0.00
Shared
0.00
None
7.16K
ALPHABET INC
SOLEShares1.34K
TypeSH
Market value$420.8K
0.21%
Sole
0.00
Shared
0.00
None
1.34K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
VANGUARD SCOTTSDALE FDSSOLE | VNG RUS1000IDX | 238.01K | SH | $73.55M 37.51% | 0.00 | 0.00 | 238.01K |
VANGUARD INTL EQUITY INDEX FSOLE | ALLWRLD EX US | 795.24K | SH | $58.50M 29.83% | 0.00 | 0.00 | 795.24K |
VANGUARD INDEX FDSSOLE | S&P 500 ETF SHS | 23.71K | SH | $14.87M 7.58% | 0.00 | 0.00 | 23.71K |
ISHARES TRSOLE | CORE S&P500 ETF | 12.40K | SH | $8.49M 4.33% | 0.00 | 0.00 | 12.40K |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE SMCAP ETF | 40.38K | SH | $5.79M 2.95% | 0.00 | 0.00 | 40.38K |
ISHARES TRSOLE | MSCI EAFE ETF | 58.26K | SH | $5.59M 2.85% | 0.00 | 0.00 | 58.26K |
APPLE INCSOLE | COM | 15.07K | SH | $4.10M 2.09% | 0.00 | 0.00 | 15.07K |
SCHWAB STRATEGIC TRSOLE | US LRG CAP ETF | 126.84K | SH | $3.41M 1.74% | 0.00 | 0.00 | 126.84K |
VANGUARD ADMIRAL FDS INCSOLE | SMLLCP 600 IDX | 27.81K | SH | $3.09M 1.57% | 0.00 | 0.00 | 27.81K |
MICROSOFT CORPSOLE | COM | 3.21K | SH | $1.55M 0.79% | 0.00 | 0.00 | 3.21K |
VANGUARD TAX-MANAGED FDSSOLE | VAN FTSE DEV MKT | 24.71K | SH | $1.54M 0.79% | 0.00 | 0.00 | 24.71K |
NVIDIA CORPORATIONSOLE | COM | 7.35K | SH | $1.37M 0.70% | 0.00 | 0.00 | 7.35K |
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 3.72K | SH | $1.25M 0.64% | 0.00 | 0.00 | 3.72K |
AMAZON COM INCSOLE | COM | 4.41K | SH | $1.02M 0.52% | 0.00 | 0.00 | 4.41K |
VANGUARD SCOTTSDALE FDSSOLE | VNG RUS2000IDX | 9.51K | SH | $946.0K 0.48% | 0.00 | 0.00 | 9.51K |
SCHWAB STRATEGIC TRSOLE | INTL EQTY ETF | 35.34K | SH | $849.5K 0.43% | 0.00 | 0.00 | 35.34K |
ALPHABET INCSOLE | CAP STK CL A | 2.24K | SH | $701.1K 0.36% | 0.00 | 0.00 | 2.24K |
VANGUARD BD INDEX FDSSOLE | TOTAL BND MRKT | 9.31K | SH | $689.6K 0.35% | 0.00 | 0.00 | 9.31K |
VANGUARD STAR FDSSOLE | VG TL INTL STK F | 8.77K | SH | $661.5K 0.34% | 0.00 | 0.00 | 8.77K |
VANGUARD INDEX FDSSOLE | GROWTH ETF | 1.26K | SH | $615.7K 0.31% | 0.00 | 0.00 | 1.26K |
CHEVRON CORP NEWSOLE | COM | 3.82K | SH | $581.9K 0.30% | 0.00 | 0.00 | 3.82K |
VANGUARD INTL EQUITY INDEX FSOLE | TT WRLD ST ETF | 3.97K | SH | $559.7K 0.29% | 0.00 | 0.00 | 3.97K |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 6.10K | SH | $489.0K 0.25% | 0.00 | 0.00 | 6.10K |
TPG INCSOLE | COM CL A | 7.16K | SH | $457.1K 0.23% | 0.00 | 0.00 | 7.16K |
ALPHABET INCSOLE | CAP STK CL C | 1.34K | SH | $420.8K 0.21% | 0.00 | 0.00 | 1.34K |
Page 1 of 2