LUTZ FINANCIAL SERVICES LLC

Filed: 2/6/2026ACC: 0001737112-26-000002

📋 What this filing means

LUTZ FINANCIAL SERVICES LLC filed this quarterly 13F‑HR report disclosing 102 equity positions with a total reported market value of $1.47B. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

102

Positions

$1.47B

Total AUM (reported)

20.31M

Total Shares

Allocation by class

STATE STREET SPD$215.82M14.7%

S&P 500 ETF SHS$159.00M10.8%

CORE S&P MCP ETF$104.17M7.1%

TOTAL BND MRKT$100.95M6.9%

TAX EXEMPT BD$74.77M5.1%

SHRT TRM CORP BD$65.34M4.4%

US TIPS ETF$58.46M4.0%

Portfolio Concentration

Top 3$398.83M27.1%

4–10$468.34M31.9%

11–25$340.62M23.2%

Rest$262.56M17.9%

Top 3 weight

27.1%

Top 10 weight

59.0%

Voting Authority Distribution

Total shares with voting rights: 20.21M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

20.21M

% of voting shares100.0%

Investment Discretion (by position count)

Sole102

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings102

Rows:

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares253.54K

TypeSH

Market value$159.00M

10.81%

Sole

0.00

Shared

0.00

None

252.58K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares2.39M

TypeSH

Market value$135.66M

9.23%

Sole

0.00

Shared

0.00

None

2.38M

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares1.58M

TypeSH

Market value$104.17M

7.08%

Sole

0.00

Shared

0.00

None

1.57M

VANGUARD BD INDEX FDS

SOLE

TOTAL BND MRKT

Shares1.36M

TypeSH

Market value$100.95M

6.87%

Sole

0.00

Shared

0.00

None

1.36M

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares1.49M

TypeSH

Market value$74.77M

5.09%

Sole

0.00

Shared

0.00

None

1.49M

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares783.44K

TypeSH

Market value$66.32M

4.51%

Sole

0.00

Shared

0.00

None

779.87K

VANGUARD SCOTTSDALE FDS

SOLE

SHRT TRM CORP BD

Shares819.52K

TypeSH

Market value$65.34M

4.44%

Sole

0.00

Shared

0.00

None

814.34K

SCHWAB STRATEGIC TR

SOLE

US TIPS ETF

Shares2.21M

TypeSH

Market value$58.46M

3.98%

Sole

0.00

Shared

0.00

None

2.19M

ISHARES TR

SOLE

MBS ETF

Shares597.58K

TypeSH

Market value$56.90M

3.87%

Sole

0.00

Shared

0.00

None

595.49K

SPDR S&P 500 ETF TR

SOLE

TR UNIT

Shares66.87K

TypeSH

Market value$45.60M

3.10%

Sole

0.00

Shared

0.00

None

66.87K

ISHARES TR

SOLE

NATIONAL MUN ETF

Shares351.30K

TypeSH

Market value$37.63M

2.56%

Sole

0.00

Shared

0.00

None

351.30K

DIMENSIONAL ETF TRUST

SOLE

US CORE EQUITY 2

Shares896.95K

TypeSH

Market value$35.51M

2.42%

Sole

0.00

Shared

0.00

None

896.95K

DIMENSIONAL ETF TRUST

SOLE

INTL CORE EQUITY

Shares791.29K

TypeSH

Market value$27.27M

1.85%

Sole

0.00

Shared

0.00

None

762.63K

ISHARES TR

SOLE

ISHS 1-5YR INVS

Shares486.75K

TypeSH

Market value$25.74M

1.75%

Sole

0.00

Shared

0.00

None

486.75K

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares191.03K

TypeSH

Market value$22.96M

1.56%

Sole

0.00

Shared

0.00

None

189.64K

ISHARES TR

SOLE

S&P 500 VAL ETF

Shares106.97K

TypeSH

Market value$22.69M

1.54%

Sole

0.00

Shared

0.00

None

106.97K

ISHARES TR

SOLE

CORE US AGGBD ET

Shares219.89K

TypeSH

Market value$21.96M

1.49%

Sole

0.00

Shared

0.00

None

219.74K

DIMENSIONAL ETF TRUST

SOLE

US HIGH PROFITAB

Shares562.38K

TypeSH

Market value$21.39M

1.45%

Sole

0.00

Shared

0.00

None

558.73K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares268.02K

TypeSH

Market value$21.12M

1.44%

Sole

0.00

Shared

0.00

None

268.02K

SCHWAB STRATEGIC TR

SOLE

US MID-CAP ETF

Shares670.31K

TypeSH

Market value$20.16M

1.37%

Sole

0.00

Shared

0.00

None

670.31K

SCHWAB STRATEGIC TR

SOLE

US LRG CAP ETF

Shares728.34K

TypeSH

Market value$19.60M

1.33%

Sole

0.00

Shared

0.00

None

728.34K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP ETF

Shares237.20K

TypeSH

Market value$16.53M

1.12%

Sole

0.00

Shared

0.00

None

237.20K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares23.97K

TypeSH

Market value$16.42M

1.12%

Sole

0.00

Shared

0.00

None

23.97K

VANGUARD INDEX FDS

SOLE

MCAP VL IDXVIP

Shares89.46K

TypeSH

Market value$15.87M

1.08%

Sole

0.00

Shared

0.00

None

89.46K

ISHARES TR

SOLE

S&P MC 400VL ETF

Shares120.06K

TypeSH

Market value$15.80M

1.07%

Sole

0.00

Shared

0.00

None

120.06K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	253.54K	SH	$159.00M 10.81%	252.58K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	2.39M	SH	$135.66M 9.23%	2.38M
ISHARES TRSOLE	CORE S&P MCP ETF	1.58M	SH	$104.17M 7.08%	1.57M
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	1.36M	SH	$100.95M 6.87%	1.36M
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	1.49M	SH	$74.77M 5.09%	1.49M
SPDR SERIES TRUSTSOLE	STATE STREET SPD	783.44K	SH	$66.32M 4.51%	779.87K
VANGUARD SCOTTSDALE FDSSOLE	SHRT TRM CORP BD	819.52K	SH	$65.34M 4.44%	814.34K
SCHWAB STRATEGIC TRSOLE	US TIPS ETF	2.21M	SH	$58.46M 3.98%	2.19M
ISHARES TRSOLE	MBS ETF	597.58K	SH	$56.90M 3.87%	595.49K
SPDR S&P 500 ETF TRSOLE	TR UNIT	66.87K	SH	$45.60M 3.10%	66.87K
ISHARES TRSOLE	NATIONAL MUN ETF	351.30K	SH	$37.63M 2.56%	351.30K
DIMENSIONAL ETF TRUSTSOLE	US CORE EQUITY 2	896.95K	SH	$35.51M 2.42%	896.95K
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQUITY	791.29K	SH	$27.27M 1.85%	762.63K
ISHARES TRSOLE	ISHS 1-5YR INVS	486.75K	SH	$25.74M 1.75%	486.75K
ISHARES TRSOLE	CORE S&P SCP ETF	191.03K	SH	$22.96M 1.56%	189.64K
ISHARES TRSOLE	S&P 500 VAL ETF	106.97K	SH	$22.69M 1.54%	106.97K
ISHARES TRSOLE	CORE US AGGBD ET	219.89K	SH	$21.96M 1.49%	219.74K
DIMENSIONAL ETF TRUSTSOLE	US HIGH PROFITAB	562.38K	SH	$21.39M 1.45%	558.73K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	268.02K	SH	$21.12M 1.44%	268.02K
SCHWAB STRATEGIC TRSOLE	US MID-CAP ETF	670.31K	SH	$20.16M 1.37%	670.31K
SCHWAB STRATEGIC TRSOLE	US LRG CAP ETF	728.34K	SH	$19.60M 1.33%	728.34K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP ETF	237.20K	SH	$16.53M 1.12%	237.20K
ISHARES TRSOLE	CORE S&P500 ETF	23.97K	SH	$16.42M 1.12%	23.97K
VANGUARD INDEX FDSSOLE	MCAP VL IDXVIP	89.46K	SH	$15.87M 1.08%	89.46K
ISHARES TRSOLE	S&P MC 400VL ETF	120.06K	SH	$15.80M 1.07%	120.06K

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