GARDE CAPITAL, INC.

Filed: 12/16/2025ACC: 0001616328-25-000007

📋 What this filing means

GARDE CAPITAL, INC. filed this quarterly 13F‑HR report disclosing 204 equity positions with a total reported market value of $2.05B. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

204

Positions

$2.05B

Total AUM (reported)

20.35M

Total Shares

Allocation by class

GROWTH ETF$221.70M10.8%

COM$202.67M9.9%

VALUE ETF$202.18M9.8%

LARGE CAP ETF$132.75M6.5%

TOTAL BND MRKT$117.23M5.7%

TOTAL STK MKT$82.63M4.0%

FTSE EUROPE ETF$76.80M3.7%

Portfolio Concentration

Top 3$556.63M27.1%

4–10$487.22M23.7%

11–25$492.72M24.0%

Rest$516.87M25.2%

Top 3 weight

27.1%

Top 10 weight

50.8%

Voting Authority Distribution

Total shares with voting rights: 20.35M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

20.35M

% of voting shares100.0%

Investment Discretion (by position count)

Sole204

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings204

Rows:

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares462.25K

TypeSH

Market value$221.70M

10.80%

Sole

0.00

Shared

0.00

None

462.25K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares1.08M

TypeSH

Market value$202.18M

9.85%

Sole

0.00

Shared

0.00

None

1.08M

VANGUARD INDEX FDS

SOLE

LARGE CAP ETF

Shares431.21K

TypeSH

Market value$132.75M

6.46%

Sole

0.00

Shared

0.00

None

431.21K

VANGUARD BD INDEX FDS

SOLE

TOTAL BND MRKT

Shares1.58M

TypeSH

Market value$117.23M

5.71%

Sole

0.00

Shared

0.00

None

1.58M

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares251.80K

TypeSH

Market value$82.63M

4.02%

Sole

0.00

Shared

0.00

None

251.80K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EUROPE ETF

Shares962.41K

TypeSH

Market value$76.80M

3.74%

Sole

0.00

Shared

0.00

None

962.41K

MICROSOFT CORP

SOLE

COM

Shares117.87K

TypeSH

Market value$61.05M

2.97%

Sole

0.00

Shared

0.00

None

117.87K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE PACIFIC ETF

Shares614.78K

TypeSH

Market value$54.00M

2.63%

Sole

0.00

Shared

0.00

None

614.78K

ISHARES TR

SOLE

7-10 YR TRSY BD

Shares543.49K

TypeSH

Market value$52.43M

2.55%

Sole

0.00

Shared

0.00

None

543.49K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares169.38K

TypeSH

Market value$43.07M

2.10%

Sole

0.00

Shared

0.00

None

169.38K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares853K

TypeSH

Market value$42.71M

2.08%

Sole

0.00

Shared

0.00

None

853K

VANGUARD MALVERN FDS

SOLE

STRM INFPROIDX

Shares828.14K

TypeSH

Market value$41.93M

2.04%

Sole

0.00

Shared

0.00

None

828.14K

VANGUARD SCOTTSDALE FDS

SOLE

MTG-BKD SECS ETF

Shares813.56K

TypeSH

Market value$38.20M

1.86%

Sole

0.00

Shared

0.00

None

813.56K

APPLE INC

SOLE

COM

Shares144.55K

TypeSH

Market value$36.81M

1.79%

Sole

0.00

Shared

0.00

None

144.55K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares57.75K

TypeSH

Market value$35.37M

1.72%

Sole

0.00

Shared

0.00

None

57.75K

VANGUARD INDEX FDS

SOLE

REAL ESTATE ETF

Shares357.98K

TypeSH

Market value$32.73M

1.59%

Sole

0.00

Shared

0.00

None

357.98K

AMAZON COM INC

SOLE

COM

Shares144.07K

TypeSH

Market value$31.63M

1.54%

Sole

0.00

Shared

0.00

None

144.07K

SCHWAB STRATEGIC TR

SOLE

US TIPS ETF

Shares1.17M

TypeSH

Market value$31.61M

1.54%

Sole

0.00

Shared

0.00

None

1.17M

ISHARES TR

SOLE

NATIONAL MUN ETF

Shares295.89K

TypeSH

Market value$31.51M

1.53%

Sole

0.00

Shared

0.00

None

295.89K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares495.98K

TypeSH

Market value$29.72M

1.45%

Sole

0.00

Shared

0.00

None

495.98K

SCHWAB STRATEGIC TR

SOLE

US LCAP GR ETF

Shares924.65K

TypeSH

Market value$29.51M

1.44%

Sole

0.00

Shared

0.00

None

924.65K

VANGUARD INSTL INDEX FD

SOLE

0-3 MO TREAS BIL

Shares389.75K

TypeSH

Market value$29.47M

1.44%

Sole

0.00

Shared

0.00

None

389.75K

VANGUARD WORLD FD

SOLE

ESG US STK ETF

Shares241.32K

TypeSH

Market value$28.58M

1.39%

Sole

0.00

Shared

0.00

None

241.32K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EMR MKT ETF

Shares492.12K

TypeSH

Market value$26.66M

1.30%

Sole

0.00

Shared

0.00

None

492.12K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares43.77K

TypeSH

Market value$26.28M

1.28%

Sole

0.00

Shared

0.00

None

43.77K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD INDEX FDSSOLE	GROWTH ETF	462.25K	SH	$221.70M 10.80%	462.25K
VANGUARD INDEX FDSSOLE	VALUE ETF	1.08M	SH	$202.18M 9.85%	1.08M
VANGUARD INDEX FDSSOLE	LARGE CAP ETF	431.21K	SH	$132.75M 6.46%	431.21K
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	1.58M	SH	$117.23M 5.71%	1.58M
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	251.80K	SH	$82.63M 4.02%	251.80K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EUROPE ETF	962.41K	SH	$76.80M 3.74%	962.41K
MICROSOFT CORPSOLE	COM	117.87K	SH	$61.05M 2.97%	117.87K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE PACIFIC ETF	614.78K	SH	$54.00M 2.63%	614.78K
ISHARES TRSOLE	7-10 YR TRSY BD	543.49K	SH	$52.43M 2.55%	543.49K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	169.38K	SH	$43.07M 2.10%	169.38K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	853K	SH	$42.71M 2.08%	853K
VANGUARD MALVERN FDSSOLE	STRM INFPROIDX	828.14K	SH	$41.93M 2.04%	828.14K
VANGUARD SCOTTSDALE FDSSOLE	MTG-BKD SECS ETF	813.56K	SH	$38.20M 1.86%	813.56K
APPLE INCSOLE	COM	144.55K	SH	$36.81M 1.79%	144.55K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	57.75K	SH	$35.37M 1.72%	57.75K
VANGUARD INDEX FDSSOLE	REAL ESTATE ETF	357.98K	SH	$32.73M 1.59%	357.98K
AMAZON COM INCSOLE	COM	144.07K	SH	$31.63M 1.54%	144.07K
SCHWAB STRATEGIC TRSOLE	US TIPS ETF	1.17M	SH	$31.61M 1.54%	1.17M
ISHARES TRSOLE	NATIONAL MUN ETF	295.89K	SH	$31.51M 1.53%	295.89K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	495.98K	SH	$29.72M 1.45%	495.98K
SCHWAB STRATEGIC TRSOLE	US LCAP GR ETF	924.65K	SH	$29.51M 1.44%	924.65K
VANGUARD INSTL INDEX FDSOLE	0-3 MO TREAS BIL	389.75K	SH	$29.47M 1.44%	389.75K
VANGUARD WORLD FDSOLE	ESG US STK ETF	241.32K	SH	$28.58M 1.39%	241.32K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EMR MKT ETF	492.12K	SH	$26.66M 1.30%	492.12K
INVESCO QQQ TRSOLE	UNIT SER 1	43.77K	SH	$26.28M 1.28%	43.77K

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