LUTZ FINANCIAL SERVICES LLC

Filed: 11/10/2025ACC: 0001737112-25-000008

📋 What this filing means

LUTZ FINANCIAL SERVICES LLC filed this quarterly 13F‑HR report disclosing 96 equity positions with a total reported market value of $1.38B. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$1.38B

Total AUM (reported)

19.14M

Total Shares

Allocation by class

S&P 500 ETF SHS$151.21M10.9%

PRTFLO S&P500 VL$125.40M9.1%

CORE S&P MCP ETF$97.14M7.0%

TOTAL BND MRKT$94.05M6.8%

TAX EXEMPT BD$66.88M4.8%

S&P 400 MDCP VAL$60.57M4.4%

SHRT TRM CORP BD$59.60M4.3%

Portfolio Concentration

Top 3$373.75M27.1%

4–10$432.47M31.3%

11–25$325.71M23.6%

Rest$249.53M18.1%

Top 3 weight

27.1%

Top 10 weight

58.4%

Voting Authority Distribution

Total shares with voting rights: 19.06M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

19.06M

% of voting shares100.0%

Investment Discretion (by position count)

Sole96

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings96

Rows:

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares246.92K

TypeSH

Market value$151.21M

10.95%

Sole

0.00

Shared

0.00

None

246.19K

SPDR SERIES TRUST

SOLE

PRTFLO S&P500 VL

Shares2.27M

TypeSH

Market value$125.40M

9.08%

Sole

0.00

Shared

0.00

None

2.26M

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares1.49M

TypeSH

Market value$97.14M

7.03%

Sole

0.00

Shared

0.00

None

1.48M

VANGUARD BD INDEX FDS

SOLE

TOTAL BND MRKT

Shares1.26M

TypeSH

Market value$94.05M

6.81%

Sole

0.00

Shared

0.00

None

1.26M

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares1.34M

TypeSH

Market value$66.88M

4.84%

Sole

0.00

Shared

0.00

None

1.34M

SPDR SERIES TRUST

SOLE

S&P 400 MDCP VAL

Shares726.19K

TypeSH

Market value$60.57M

4.38%

Sole

0.00

Shared

0.00

None

723.36K

VANGUARD SCOTTSDALE FDS

SOLE

SHRT TRM CORP BD

Shares745.70K

TypeSH

Market value$59.60M

4.31%

Sole

0.00

Shared

0.00

None

741.83K

SCHWAB STRATEGIC TR

SOLE

US TIPS ETF

Shares1.99M

TypeSH

Market value$53.64M

3.88%

Sole

0.00

Shared

0.00

None

1.98M

ISHARES TR

SOLE

MBS ETF

Shares538.96K

TypeSH

Market value$51.28M

3.71%

Sole

0.00

Shared

0.00

None

537.40K

SPDR S&P 500 ETF TR

SOLE

TR UNIT

Shares69.72K

TypeSH

Market value$46.44M

3.36%

Sole

0.00

Shared

0.00

None

69.72K

ISHARES TR

SOLE

NATIONAL MUN ETF

Shares338.86K

TypeSH

Market value$36.09M

2.61%

Sole

0.00

Shared

0.00

None

338.86K

DIMENSIONAL ETF TRUST

SOLE

US CORE EQUITY 2

Shares836.47K

TypeSH

Market value$32.26M

2.34%

Sole

0.00

Shared

0.00

None

836.47K

ISHARES TR

SOLE

ISHS 1-5YR INVS

Shares480.35K

TypeSH

Market value$25.47M

1.84%

Sole

0.00

Shared

0.00

None

480.35K

DIMENSIONAL ETF TRUST

SOLE

INTL CORE EQUITY

Shares755.34K

TypeSH

Market value$24.77M

1.79%

Sole

0.00

Shared

0.00

None

731.98K

ISHARES TR

SOLE

S&P 500 VAL ETF

Shares109.88K

TypeSH

Market value$22.69M

1.64%

Sole

0.00

Shared

0.00

None

109.88K

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares179.91K

TypeSH

Market value$21.38M

1.55%

Sole

0.00

Shared

0.00

None

178.86K

ISHARES TR

SOLE

CORE US AGGBD ET

Shares210.88K

TypeSH

Market value$21.14M

1.53%

Sole

0.00

Shared

0.00

None

210.84K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares254.51K

TypeSH

Market value$20.08M

1.45%

Sole

0.00

Shared

0.00

None

254.51K

SCHWAB STRATEGIC TR

SOLE

US MID-CAP ETF

Shares674.98K

TypeSH

Market value$20.01M

1.45%

Sole

0.00

Shared

0.00

None

674.98K

DIMENSIONAL ETF TRUST

SOLE

US HIGH PROFITAB

Shares514.35K

TypeSH

Market value$19.43M

1.41%

Sole

0.00

Shared

0.00

None

511.36K

SCHWAB STRATEGIC TR

SOLE

US LRG CAP ETF

Shares736.16K

TypeSH

Market value$19.39M

1.40%

Sole

0.00

Shared

0.00

None

736.16K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP ETF

Shares232.49K

TypeSH

Market value$15.92M

1.15%

Sole

0.00

Shared

0.00

None

232.49K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares23.74K

TypeSH

Market value$15.89M

1.15%

Sole

0.00

Shared

0.00

None

23.74K

VANGUARD INDEX FDS

SOLE

MCAP VL IDXVIP

Shares89.42K

TypeSH

Market value$15.61M

1.13%

Sole

0.00

Shared

0.00

None

89.42K

ISHARES TR

SOLE

S&P MC 400VL ETF

Shares120.16K

TypeSH

Market value$15.59M

1.13%

Sole

0.00

Shared

0.00

None

120.16K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	246.92K	SH	$151.21M 10.95%	246.19K
SPDR SERIES TRUSTSOLE	PRTFLO S&P500 VL	2.27M	SH	$125.40M 9.08%	2.26M
ISHARES TRSOLE	CORE S&P MCP ETF	1.49M	SH	$97.14M 7.03%	1.48M
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	1.26M	SH	$94.05M 6.81%	1.26M
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	1.34M	SH	$66.88M 4.84%	1.34M
SPDR SERIES TRUSTSOLE	S&P 400 MDCP VAL	726.19K	SH	$60.57M 4.38%	723.36K
VANGUARD SCOTTSDALE FDSSOLE	SHRT TRM CORP BD	745.70K	SH	$59.60M 4.31%	741.83K
SCHWAB STRATEGIC TRSOLE	US TIPS ETF	1.99M	SH	$53.64M 3.88%	1.98M
ISHARES TRSOLE	MBS ETF	538.96K	SH	$51.28M 3.71%	537.40K
SPDR S&P 500 ETF TRSOLE	TR UNIT	69.72K	SH	$46.44M 3.36%	69.72K
ISHARES TRSOLE	NATIONAL MUN ETF	338.86K	SH	$36.09M 2.61%	338.86K
DIMENSIONAL ETF TRUSTSOLE	US CORE EQUITY 2	836.47K	SH	$32.26M 2.34%	836.47K
ISHARES TRSOLE	ISHS 1-5YR INVS	480.35K	SH	$25.47M 1.84%	480.35K
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQUITY	755.34K	SH	$24.77M 1.79%	731.98K
ISHARES TRSOLE	S&P 500 VAL ETF	109.88K	SH	$22.69M 1.64%	109.88K
ISHARES TRSOLE	CORE S&P SCP ETF	179.91K	SH	$21.38M 1.55%	178.86K
ISHARES TRSOLE	CORE US AGGBD ET	210.88K	SH	$21.14M 1.53%	210.84K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	254.51K	SH	$20.08M 1.45%	254.51K
SCHWAB STRATEGIC TRSOLE	US MID-CAP ETF	674.98K	SH	$20.01M 1.45%	674.98K
DIMENSIONAL ETF TRUSTSOLE	US HIGH PROFITAB	514.35K	SH	$19.43M 1.41%	511.36K
SCHWAB STRATEGIC TRSOLE	US LRG CAP ETF	736.16K	SH	$19.39M 1.40%	736.16K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP ETF	232.49K	SH	$15.92M 1.15%	232.49K
ISHARES TRSOLE	CORE S&P500 ETF	23.74K	SH	$15.89M 1.15%	23.74K
VANGUARD INDEX FDSSOLE	MCAP VL IDXVIP	89.42K	SH	$15.61M 1.13%	89.42K
ISHARES TRSOLE	S&P MC 400VL ETF	120.16K	SH	$15.59M 1.13%	120.16K

Page 1 of 4