LUTZ FINANCIAL SERVICES LLC

Filed: 7/29/2025ACC: 0001737112-25-000007

📋 What this filing means

LUTZ FINANCIAL SERVICES LLC filed this quarterly 13F‑HR report disclosing 97 equity positions with a total reported market value of $1.29B. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$1.29B

Total AUM (reported)

18.59M

Total Shares

Allocation by class

S&P 500 ETF SHS$138.43M10.7%

PRTFLO S&P500 VL$115.50M9.0%

CORE S&P MCP ETF$90.42M7.0%

TOTAL BND MRKT$87.49M6.8%

TAX EXEMPT BD$61.74M4.8%

S&P 400 MDCP VAL$55.70M4.3%

SHRT TRM CORP BD$54.80M4.3%

Portfolio Concentration

Top 3$344.35M26.7%

4–10$398.83M31.0%

11–25$309.47M24.0%

Rest$235.26M18.3%

Top 3 weight

26.7%

Top 10 weight

57.7%

Voting Authority Distribution

Total shares with voting rights: 18.55M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

18.55M

% of voting shares100.0%

Investment Discretion (by position count)

Sole97

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings97

Rows:

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares243.70K

TypeSH

Market value$138.43M

10.75%

Sole

0.00

Shared

0.00

None

243.41K

SPDR SERIES TRUST

SOLE

PRTFLO S&P500 VL

Shares2.21M

TypeSH

Market value$115.50M

8.97%

Sole

0.00

Shared

0.00

None

2.20M

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares1.46M

TypeSH

Market value$90.42M

7.02%

Sole

0.00

Shared

0.00

None

1.46M

VANGUARD BD INDEX FDS

SOLE

TOTAL BND MRKT

Shares1.19M

TypeSH

Market value$87.49M

6.79%

Sole

0.00

Shared

0.00

None

1.19M

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares1.26M

TypeSH

Market value$61.74M

4.79%

Sole

0.00

Shared

0.00

None

1.26M

SPDR SERIES TRUST

SOLE

S&P 400 MDCP VAL

Shares701.24K

TypeSH

Market value$55.70M

4.32%

Sole

0.00

Shared

0.00

None

699.86K

VANGUARD SCOTTSDALE FDS

SOLE

SHRT TRM CORP BD

Shares689.27K

TypeSH

Market value$54.80M

4.25%

Sole

0.00

Shared

0.00

None

688.88K

SCHWAB STRATEGIC TR

SOLE

US TIPS ETF

Shares1.85M

TypeSH

Market value$49.37M

3.83%

Sole

0.00

Shared

0.00

None

1.85M

ISHARES TR

SOLE

MBS ETF

Shares490.42K

TypeSH

Market value$46.05M

3.58%

Sole

0.00

Shared

0.00

None

490.27K

SPDR S&P 500 ETF TR

SOLE

TR UNIT

Shares70.70K

TypeSH

Market value$43.68M

3.39%

Sole

0.00

Shared

0.00

None

70.70K

ISHARES TR

SOLE

NATIONAL MUN ETF

Shares344.02K

TypeSH

Market value$35.94M

2.79%

Sole

0.00

Shared

0.00

None

344.02K

DIMENSIONAL ETF TRUST

SOLE

US CORE EQUITY 2

Shares820.89K

TypeSH

Market value$29.42M

2.28%

Sole

0.00

Shared

0.00

None

820.89K

ISHARES TR

SOLE

ISHS 1-5YR INVS

Shares477.43K

TypeSH

Market value$25.19M

1.96%

Sole

0.00

Shared

0.00

None

477.43K

DIMENSIONAL ETF TRUST

SOLE

INTL CORE EQUITY

Shares739.77K

TypeSH

Market value$23.00M

1.79%

Sole

0.00

Shared

0.00

None

727.89K

ISHARES TR

SOLE

S&P 500 VAL ETF

Shares110.66K

TypeSH

Market value$21.62M

1.68%

Sole

0.00

Shared

0.00

None

110.66K

ISHARES TR

SOLE

CORE US AGGBD ET

Shares215.55K

TypeSH

Market value$21.38M

1.66%

Sole

0.00

Shared

0.00

None

215.55K

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares178.24K

TypeSH

Market value$19.48M

1.51%

Sole

0.00

Shared

0.00

None

177.86K

SCHWAB STRATEGIC TR

SOLE

US MID-CAP ETF

Shares688.64K

TypeSH

Market value$19.32M

1.50%

Sole

0.00

Shared

0.00

None

688.64K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares242.49K

TypeSH

Market value$19.08M

1.48%

Sole

0.00

Shared

0.00

None

242.49K

SCHWAB STRATEGIC TR

SOLE

US LRG CAP ETF

Shares737.54K

TypeSH

Market value$18.03M

1.40%

Sole

0.00

Shared

0.00

None

737.54K

DIMENSIONAL ETF TRUST

SOLE

US HIGH PROFITAB

Shares487.69K

TypeSH

Market value$17.34M

1.35%

Sole

0.00

Shared

0.00

None

486.15K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP ETF

Shares235.10K

TypeSH

Market value$14.98M

1.16%

Sole

0.00

Shared

0.00

None

235.10K

VANGUARD INDEX FDS

SOLE

MCAP VL IDXVIP

Shares90.64K

TypeSH

Market value$14.91M

1.16%

Sole

0.00

Shared

0.00

None

90.64K

ISHARES TR

SOLE

S&P MC 400VL ETF

Shares120.57K

TypeSH

Market value$14.90M

1.16%

Sole

0.00

Shared

0.00

None

120.57K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares23.97K

TypeSH

Market value$14.88M

1.16%

Sole

0.00

Shared

0.00

None

23.97K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	243.70K	SH	$138.43M 10.75%	243.41K
SPDR SERIES TRUSTSOLE	PRTFLO S&P500 VL	2.21M	SH	$115.50M 8.97%	2.20M
ISHARES TRSOLE	CORE S&P MCP ETF	1.46M	SH	$90.42M 7.02%	1.46M
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	1.19M	SH	$87.49M 6.79%	1.19M
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	1.26M	SH	$61.74M 4.79%	1.26M
SPDR SERIES TRUSTSOLE	S&P 400 MDCP VAL	701.24K	SH	$55.70M 4.32%	699.86K
VANGUARD SCOTTSDALE FDSSOLE	SHRT TRM CORP BD	689.27K	SH	$54.80M 4.25%	688.88K
SCHWAB STRATEGIC TRSOLE	US TIPS ETF	1.85M	SH	$49.37M 3.83%	1.85M
ISHARES TRSOLE	MBS ETF	490.42K	SH	$46.05M 3.58%	490.27K
SPDR S&P 500 ETF TRSOLE	TR UNIT	70.70K	SH	$43.68M 3.39%	70.70K
ISHARES TRSOLE	NATIONAL MUN ETF	344.02K	SH	$35.94M 2.79%	344.02K
DIMENSIONAL ETF TRUSTSOLE	US CORE EQUITY 2	820.89K	SH	$29.42M 2.28%	820.89K
ISHARES TRSOLE	ISHS 1-5YR INVS	477.43K	SH	$25.19M 1.96%	477.43K
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQUITY	739.77K	SH	$23.00M 1.79%	727.89K
ISHARES TRSOLE	S&P 500 VAL ETF	110.66K	SH	$21.62M 1.68%	110.66K
ISHARES TRSOLE	CORE US AGGBD ET	215.55K	SH	$21.38M 1.66%	215.55K
ISHARES TRSOLE	CORE S&P SCP ETF	178.24K	SH	$19.48M 1.51%	177.86K
SCHWAB STRATEGIC TRSOLE	US MID-CAP ETF	688.64K	SH	$19.32M 1.50%	688.64K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	242.49K	SH	$19.08M 1.48%	242.49K
SCHWAB STRATEGIC TRSOLE	US LRG CAP ETF	737.54K	SH	$18.03M 1.40%	737.54K
DIMENSIONAL ETF TRUSTSOLE	US HIGH PROFITAB	487.69K	SH	$17.34M 1.35%	486.15K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP ETF	235.10K	SH	$14.98M 1.16%	235.10K
VANGUARD INDEX FDSSOLE	MCAP VL IDXVIP	90.64K	SH	$14.91M 1.16%	90.64K
ISHARES TRSOLE	S&P MC 400VL ETF	120.57K	SH	$14.90M 1.16%	120.57K
ISHARES TRSOLE	CORE S&P500 ETF	23.97K	SH	$14.88M 1.16%	23.97K

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