LUTZ FINANCIAL SERVICES LLC

Filed: 5/4/2026ACC: 0001737112-26-000003

📋 What this filing means

LUTZ FINANCIAL SERVICES LLC filed this quarterly 13F‑HR report disclosing 100 equity positions with a total reported market value of $1.49B. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

100

Positions

$1.49B

Total AUM (reported)

20.91M

Total Shares

Allocation by class

STATE STREET SPD$220.87M14.8%

S&P 500 ETF SHS$150.61M10.1%

CORE S&P MCP ETF$107.94M7.3%

TOTAL BND MRKT$105.39M7.1%

TAX EXEMPT BD$78.31M5.3%

SHRT TRM CORP BD$68.29M4.6%

US TIPS ETF$62.32M4.2%

Portfolio Concentration

Top 3$396.30M26.6%

4–10$485.97M32.7%

11–25$344.88M23.2%

Rest$260.76M17.5%

Top 3 weight

26.6%

Top 10 weight

59.3%

Voting Authority Distribution

Total shares with voting rights: 20.91M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

20.91M

% of voting shares100.0%

Investment Discretion (by position count)

Sole100

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings100

Rows:

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares252.04K

TypeSH

Market value$150.61M

10.12%

Sole

0.00

Shared

0.00

None

252.04K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares2.43M

TypeSH

Market value$137.75M

9.26%

Sole

0.00

Shared

0.00

None

2.43M

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares1.60M

TypeSH

Market value$107.94M

7.25%

Sole

0.00

Shared

0.00

None

1.60M

VANGUARD BD INDEX FDS

SOLE

TOTAL BND MRKT

Shares1.43M

TypeSH

Market value$105.39M

7.08%

Sole

0.00

Shared

0.00

None

1.43M

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares1.57M

TypeSH

Market value$78.31M

5.26%

Sole

0.00

Shared

0.00

None

1.57M

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares805.86K

TypeSH

Market value$68.62M

4.61%

Sole

0.00

Shared

0.00

None

805.86K

VANGUARD SCOTTSDALE FDS

SOLE

SHRT TRM CORP BD

Shares861.45K

TypeSH

Market value$68.29M

4.59%

Sole

0.00

Shared

0.00

None

861.45K

SCHWAB STRATEGIC TR

SOLE

US TIPS ETF

Shares2.34M

TypeSH

Market value$62.32M

4.19%

Sole

0.00

Shared

0.00

None

2.34M

ISHARES TR

SOLE

MBS ETF

Shares631.85K

TypeSH

Market value$59.99M

4.03%

Sole

0.00

Shared

0.00

None

631.85K

STATE STR SPDR S&P 500 ETF T

SOLE

TR UNIT

Shares66.20K

TypeSH

Market value$43.05M

2.89%

Sole

0.00

Shared

0.00

None

66.20K

ISHARES TR

SOLE

NATIONAL MUN ETF

Shares353.16K

TypeSH

Market value$37.49M

2.52%

Sole

0.00

Shared

0.00

None

353.16K

DIMENSIONAL ETF TRUST

SOLE

US CORE EQUITY 2

Shares919.61K

TypeSH

Market value$35.74M

2.40%

Sole

0.00

Shared

0.00

None

919.61K

DIMENSIONAL ETF TRUST

SOLE

INTL CORE EQUITY

Shares790.63K

TypeSH

Market value$28.09M

1.89%

Sole

0.00

Shared

0.00

None

790.63K

ISHARES TR

SOLE

ISHS 1-5YR INVS

Shares475.17K

TypeSH

Market value$24.97M

1.68%

Sole

0.00

Shared

0.00

None

475.17K

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares191.85K

TypeSH

Market value$23.85M

1.60%

Sole

0.00

Shared

0.00

None

191.85K

SCHWAB STRATEGIC TR

SOLE

US LRG CAP ETF

Shares890.80K

TypeSH

Market value$22.84M

1.54%

Sole

0.00

Shared

0.00

None

890.80K

ISHARES TR

SOLE

S&P 500 VAL ETF

Shares105.48K

TypeSH

Market value$22.27M

1.50%

Sole

0.00

Shared

0.00

None

105.48K

DIMENSIONAL ETF TRUST

SOLE

US HIGH PROFITAB

Shares578.16K

TypeSH

Market value$21.25M

1.43%

Sole

0.00

Shared

0.00

None

578.16K

SCHWAB STRATEGIC TR

SOLE

US MID-CAP ETF

Shares678.37K

TypeSH

Market value$21.00M

1.41%

Sole

0.00

Shared

0.00

None

678.37K

ISHARES TR

SOLE

CORE US AGGBD ET

Shares209.15K

TypeSH

Market value$20.76M

1.40%

Sole

0.00

Shared

0.00

None

209.15K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares264.01K

TypeSH

Market value$20.70M

1.39%

Sole

0.00

Shared

0.00

None

264.01K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP ETF

Shares238.82K

TypeSH

Market value$16.99M

1.14%

Sole

0.00

Shared

0.00

None

238.82K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares84.82K

TypeSH

Market value$16.64M

1.12%

Sole

0.00

Shared

0.00

None

84.82K

VANGUARD INDEX FDS

SOLE

MCAP VL IDXVIP

Shares89.71K

TypeSH

Market value$16.53M

1.11%

Sole

0.00

Shared

0.00

None

89.71K

ISHARES TR

SOLE

S&P MC 400VL ETF

Shares118.83K

TypeSH

Market value$15.75M

1.06%

Sole

0.00

Shared

0.00

None

118.83K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	252.04K	SH	$150.61M 10.12%	252.04K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	2.43M	SH	$137.75M 9.26%	2.43M
ISHARES TRSOLE	CORE S&P MCP ETF	1.60M	SH	$107.94M 7.25%	1.60M
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	1.43M	SH	$105.39M 7.08%	1.43M
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	1.57M	SH	$78.31M 5.26%	1.57M
SPDR SERIES TRUSTSOLE	STATE STREET SPD	805.86K	SH	$68.62M 4.61%	805.86K
VANGUARD SCOTTSDALE FDSSOLE	SHRT TRM CORP BD	861.45K	SH	$68.29M 4.59%	861.45K
SCHWAB STRATEGIC TRSOLE	US TIPS ETF	2.34M	SH	$62.32M 4.19%	2.34M
ISHARES TRSOLE	MBS ETF	631.85K	SH	$59.99M 4.03%	631.85K
STATE STR SPDR S&P 500 ETF TSOLE	TR UNIT	66.20K	SH	$43.05M 2.89%	66.20K
ISHARES TRSOLE	NATIONAL MUN ETF	353.16K	SH	$37.49M 2.52%	353.16K
DIMENSIONAL ETF TRUSTSOLE	US CORE EQUITY 2	919.61K	SH	$35.74M 2.40%	919.61K
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQUITY	790.63K	SH	$28.09M 1.89%	790.63K
ISHARES TRSOLE	ISHS 1-5YR INVS	475.17K	SH	$24.97M 1.68%	475.17K
ISHARES TRSOLE	CORE S&P SCP ETF	191.85K	SH	$23.85M 1.60%	191.85K
SCHWAB STRATEGIC TRSOLE	US LRG CAP ETF	890.80K	SH	$22.84M 1.54%	890.80K
ISHARES TRSOLE	S&P 500 VAL ETF	105.48K	SH	$22.27M 1.50%	105.48K
DIMENSIONAL ETF TRUSTSOLE	US HIGH PROFITAB	578.16K	SH	$21.25M 1.43%	578.16K
SCHWAB STRATEGIC TRSOLE	US MID-CAP ETF	678.37K	SH	$21.00M 1.41%	678.37K
ISHARES TRSOLE	CORE US AGGBD ET	209.15K	SH	$20.76M 1.40%	209.15K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	264.01K	SH	$20.70M 1.39%	264.01K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP ETF	238.82K	SH	$16.99M 1.14%	238.82K
VANGUARD INDEX FDSSOLE	VALUE ETF	84.82K	SH	$16.64M 1.12%	84.82K
VANGUARD INDEX FDSSOLE	MCAP VL IDXVIP	89.71K	SH	$16.53M 1.11%	89.71K
ISHARES TRSOLE	S&P MC 400VL ETF	118.83K	SH	$15.75M 1.06%	118.83K

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