FLUENT FINANCIAL, LLC

Filed: 1/14/2026ACC: 0001722283-26-000001

📋 What this filing means

FLUENT FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 57 equity positions with a total reported market value of $262.41M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$262.41M

Total AUM (reported)

3.62M

Total Shares

Allocation by class

COM$47.93M18.3%

EXTENDED DUR$34.44M13.1%

MSCI EAFE ETF$21.61M8.2%

CL A$17.22M6.6%

MSCI EMG MKT ETF$15.45M5.9%

ULTRA SHRT ETF$14.45M5.5%

RUSSELL 2000 ETF$11.85M4.5%

Portfolio Concentration

Top 3$71.51M27.2%

4–10$68.52M26.1%

11–25$72.55M27.6%

Rest$49.84M19.0%

Top 3 weight

27.2%

Top 10 weight

53.4%

Voting Authority Distribution

Total shares with voting rights: 3.62M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

3.62M

% of voting shares100.0%

Investment Discretion (by position count)

Sole57

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings57

Rows:

VANGUARD WORLD FD

SOLE

EXTENDED DUR

Shares529.82K

TypeSH

Market value$34.44M

13.13%

Sole

0.00

Shared

0.00

None

529.82K

ISHARES TR

SOLE

MSCI EAFE ETF

Shares225.04K

TypeSH

Market value$21.61M

8.24%

Sole

0.00

Shared

0.00

None

225.04K

ISHARES TR

SOLE

MSCI EMG MKT ETF

Shares282.47K

TypeSH

Market value$15.45M

5.89%

Sole

0.00

Shared

0.00

None

282.47K

J P MORGAN EXCHANGE TRADED F

SOLE

ULTRA SHRT ETF

Shares285.69K

TypeSH

Market value$14.45M

5.51%

Sole

0.00

Shared

0.00

None

285.69K

ISHARES TR

SOLE

RUSSELL 2000 ETF

Shares48.16K

TypeSH

Market value$11.85M

4.52%

Sole

0.00

Shared

0.00

None

48.16K

META PLATFORMS INC

SOLE

CL A

Shares16.15K

TypeSH

Market value$10.66M

4.06%

Sole

0.00

Shared

0.00

None

16.15K

SELECT SECTOR SPDR TR

SOLE

STATE STREET UTI

Shares244.38K

TypeSH

Market value$10.43M

3.98%

Sole

0.00

Shared

0.00

None

244.38K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 EQL WGT

Shares38.79K

TypeSH

Market value$7.43M

2.83%

Sole

0.00

Shared

0.00

None

38.79K

SELECT SECTOR SPDR TR

SOLE

STATE STREET CON

Shares89.35K

TypeSH

Market value$6.94M

2.64%

Sole

0.00

Shared

0.00

None

89.35K

UNITED PARCEL SERVICE INC

SOLE

CL B

Shares67.97K

TypeSH

Market value$6.74M

2.57%

Sole

0.00

Shared

0.00

None

67.97K

MERCK & CO INC

SOLE

COM

Shares63.87K

TypeSH

Market value$6.72M

2.56%

Sole

0.00

Shared

0.00

None

63.87K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EUROPE ETF

Shares80.06K

TypeSH

Market value$6.69M

2.55%

Sole

0.00

Shared

0.00

None

80.06K

PEPSICO INC

SOLE

COM

Shares44.16K

TypeSH

Market value$6.34M

2.41%

Sole

0.00

Shared

0.00

None

44.16K

ADVANCE AUTO PARTS INC

SOLE

COM

Shares158.47K

TypeSH

Market value$6.23M

2.37%

Sole

0.00

Shared

0.00

None

158.47K

THE CAMPBELLS COMPANY

SOLE

COM

Shares221.51K

TypeSH

Market value$6.17M

2.35%

Sole

0.00

Shared

0.00

None

221.51K

LAUDER ESTEE COS INC

SOLE

CL A

Shares46.64K

TypeSH

Market value$4.88M

1.86%

Sole

0.00

Shared

0.00

None

46.64K

NEW YORK LIFE INVTS ACTIVE E

SOLE

NYLI MACKAY MUNI

Shares190.84K

TypeSH

Market value$4.57M

1.74%

Sole

0.00

Shared

0.00

None

190.84K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares6.92K

TypeSH

Market value$4.25M

1.62%

Sole

0.00

Shared

0.00

None

6.92K

ISHARES TR

SOLE

AGENCY BOND ETF

Shares38.36K

TypeSH

Market value$4.23M

1.61%

Sole

0.00

Shared

0.00

None

38.36K

ISHARES TR

SOLE

MSCI USA QLT FCT

Shares19.66K

TypeSH

Market value$3.90M

1.49%

Sole

0.00

Shared

0.00

None

19.66K

SPDR S&P 500 ETF TR

SOLE

TR UNIT

Shares5.68K

TypeSH

Market value$3.87M

1.48%

Sole

0.00

Shared

0.00

None

5.68K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares56.84K

TypeSH

Market value$3.75M

1.43%

Sole

0.00

Shared

0.00

None

56.84K

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares30.70K

TypeSH

Market value$3.69M

1.41%

Sole

0.00

Shared

0.00

None

30.70K

VANGUARD INDEX FDS

SOLE

SML CP GRW ETF

Shares12.19K

TypeSH

Market value$3.68M

1.40%

Sole

0.00

Shared

0.00

None

12.19K

VANGUARD INDEX FDS

SOLE

SM CP VAL ETF

Shares16.80K

TypeSH

Market value$3.56M

1.36%

Sole

0.00

Shared

0.00

None

16.80K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD WORLD FDSOLE	EXTENDED DUR	529.82K	SH	$34.44M 13.13%	529.82K
ISHARES TRSOLE	MSCI EAFE ETF	225.04K	SH	$21.61M 8.24%	225.04K
ISHARES TRSOLE	MSCI EMG MKT ETF	282.47K	SH	$15.45M 5.89%	282.47K
J P MORGAN EXCHANGE TRADED FSOLE	ULTRA SHRT ETF	285.69K	SH	$14.45M 5.51%	285.69K
ISHARES TRSOLE	RUSSELL 2000 ETF	48.16K	SH	$11.85M 4.52%	48.16K
META PLATFORMS INCSOLE	CL A	16.15K	SH	$10.66M 4.06%	16.15K
SELECT SECTOR SPDR TRSOLE	STATE STREET UTI	244.38K	SH	$10.43M 3.98%	244.38K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 EQL WGT	38.79K	SH	$7.43M 2.83%	38.79K
SELECT SECTOR SPDR TRSOLE	STATE STREET CON	89.35K	SH	$6.94M 2.64%	89.35K
UNITED PARCEL SERVICE INCSOLE	CL B	67.97K	SH	$6.74M 2.57%	67.97K
MERCK & CO INCSOLE	COM	63.87K	SH	$6.72M 2.56%	63.87K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EUROPE ETF	80.06K	SH	$6.69M 2.55%	80.06K
PEPSICO INCSOLE	COM	44.16K	SH	$6.34M 2.41%	44.16K
ADVANCE AUTO PARTS INCSOLE	COM	158.47K	SH	$6.23M 2.37%	158.47K
THE CAMPBELLS COMPANYSOLE	COM	221.51K	SH	$6.17M 2.35%	221.51K
LAUDER ESTEE COS INCSOLE	CL A	46.64K	SH	$4.88M 1.86%	46.64K
NEW YORK LIFE INVTS ACTIVE ESOLE	NYLI MACKAY MUNI	190.84K	SH	$4.57M 1.74%	190.84K
INVESCO QQQ TRSOLE	UNIT SER 1	6.92K	SH	$4.25M 1.62%	6.92K
ISHARES TRSOLE	AGENCY BOND ETF	38.36K	SH	$4.23M 1.61%	38.36K
ISHARES TRSOLE	MSCI USA QLT FCT	19.66K	SH	$3.90M 1.49%	19.66K
SPDR S&P 500 ETF TRSOLE	TR UNIT	5.68K	SH	$3.87M 1.48%	5.68K
ISHARES TRSOLE	CORE S&P MCP ETF	56.84K	SH	$3.75M 1.43%	56.84K
ISHARES TRSOLE	CORE S&P SCP ETF	30.70K	SH	$3.69M 1.41%	30.70K
VANGUARD INDEX FDSSOLE	SML CP GRW ETF	12.19K	SH	$3.68M 1.40%	12.19K
VANGUARD INDEX FDSSOLE	SM CP VAL ETF	16.80K	SH	$3.56M 1.36%	16.80K

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