OLIO FINANCIAL PLANNING

Filed: 10/16/2025ACC: 0001906766-25-000002

📋 What this filing means

OLIO FINANCIAL PLANNING filed this quarterly 13F‑HR report disclosing 67 equity positions with a total reported market value of $340.86M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$340.86M

Total AUM (reported)

4.38M

Total Shares

Allocation by class

US EQUITY MARKET$59.75M17.5%

VALUE ETF$59.14M17.4%

VAN FTSE DEV MKT$48.60M14.3%

TOTAL BD ETF$42.65M12.5%

TOTAL STK MKT$40.79M12.0%

MCAP VL IDXVIP$16.39M4.8%

US TARGETED VLU$12.31M3.6%

Portfolio Concentration

Top 3$167.48M49.1%

4–10$130.64M38.3%

11–25$24.90M7.3%

Rest$17.84M5.2%

Top 3 weight

49.1%

Top 10 weight

87.5%

Voting Authority Distribution

Total shares with voting rights: 4.38M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.38M

% of voting shares100.0%

Investment Discretion (by position count)

Sole67

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings67

Rows:

DIMENSIONAL ETF TRUST

SOLE

US EQUITY MARKET

Shares824.79K

TypeSH

Market value$59.75M

17.53%

Sole

0.00

Shared

0.00

None

824.79K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares317.13K

TypeSH

Market value$59.14M

17.35%

Sole

0.00

Shared

0.00

None

317.13K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares811K

TypeSH

Market value$48.60M

14.26%

Sole

0.00

Shared

0.00

None

811K

FIDELITY MERRIMACK STR TR

SOLE

TOTAL BD ETF

Shares922.42K

TypeSH

Market value$42.65M

12.51%

Sole

0.00

Shared

0.00

None

922.42K

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares124.30K

TypeSH

Market value$40.79M

11.97%

Sole

0.00

Shared

0.00

None

124.30K

VANGUARD INDEX FDS

SOLE

MCAP VL IDXVIP

Shares93.90K

TypeSH

Market value$16.39M

4.81%

Sole

0.00

Shared

0.00

None

93.90K

DIMENSIONAL ETF TRUST

SOLE

US TARGETED VLU

Shares211.41K

TypeSH

Market value$12.31M

3.61%

Sole

0.00

Shared

0.00

None

211.41K

VANGUARD INTL EQUITY INDEX F

SOLE

ALLWRLD EX US

Shares140.57K

TypeSH

Market value$10.03M

2.94%

Sole

0.00

Shared

0.00

None

140.57K

SCHWAB STRATEGIC TR

SOLE

US DIVIDEND EQ

Shares158.54K

TypeSH

Market value$4.33M

1.27%

Sole

0.00

Shared

0.00

None

158.54K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares82.61K

TypeSH

Market value$4.14M

1.21%

Sole

0.00

Shared

0.00

None

82.61K

VANGUARD INDEX FDS

SOLE

SM CP VAL ETF

Shares14.83K

TypeSH

Market value$3.10M

0.91%

Sole

0.00

Shared

0.00

None

14.83K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO EMG MK

Shares63.59K

TypeSH

Market value$2.98M

0.87%

Sole

0.00

Shared

0.00

None

63.59K

SPDR SERIES TRUST

SOLE

PORTFOLIO SHORT

Shares73.73K

TypeSH

Market value$2.23M

0.66%

Sole

0.00

Shared

0.00

None

73.73K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EMR MKT ETF

Shares41.19K

TypeSH

Market value$2.23M

0.65%

Sole

0.00

Shared

0.00

None

41.19K

APPLE INC

SOLE

COM

Shares8.28K

TypeSH

Market value$2.11M

0.62%

Sole

0.00

Shared

0.00

None

8.28K

ISHARES TR

SOLE

ESG AW MSCI EAFE

Shares21.62K

TypeSH

Market value$2.01M

0.59%

Sole

0.00

Shared

0.00

None

21.62K

VANGUARD STAR FDS

SOLE

VG TL INTL STK F

Shares23K

TypeSH

Market value$1.69M

0.50%

Sole

0.00

Shared

0.00

None

23K

SCHWAB STRATEGIC TR

SOLE

EMRG MKTEQ ETF

Shares45.04K

TypeSH

Market value$1.50M

0.44%

Sole

0.00

Shared

0.00

None

45.04K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares4.81K

TypeSH

Market value$1.41M

0.41%

Sole

0.00

Shared

0.00

None

4.81K

ISHARES TR

SOLE

ESG AWR MSCI USA

Shares8.53K

TypeSH

Market value$1.24M

0.36%

Sole

0.00

Shared

0.00

None

8.53K

BERKSHIRE HATHAWAY INC DEL

SOLE

CL B NEW

Shares2.03K

TypeSH

Market value$1.02M

0.30%

Sole

0.00

Shared

0.00

None

2.03K

J P MORGAN EXCHANGE TRADED F

SOLE

ULTRA SHT MUNCPL

Shares16.86K

TypeSH

Market value$860.7K

0.25%

Sole

0.00

Shared

0.00

None

16.86K

ISHARES INC

SOLE

ESG AWR MSCI EM

Shares19.39K

TypeSH

Market value$841.9K

0.25%

Sole

0.00

Shared

0.00

None

19.39K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares1.37K

TypeSH

Market value$836.7K

0.25%

Sole

0.00

Shared

0.00

None

1.37K

AMAZON COM INC

SOLE

COM

Shares3.79K

TypeSH

Market value$832.0K

0.24%

Sole

0.00

Shared

0.00

None

3.79K

Issuer	Class	Shares	Type	Value / Portfolio %	None
DIMENSIONAL ETF TRUSTSOLE	US EQUITY MARKET	824.79K	SH	$59.75M 17.53%	824.79K
VANGUARD INDEX FDSSOLE	VALUE ETF	317.13K	SH	$59.14M 17.35%	317.13K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	811K	SH	$48.60M 14.26%	811K
FIDELITY MERRIMACK STR TRSOLE	TOTAL BD ETF	922.42K	SH	$42.65M 12.51%	922.42K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	124.30K	SH	$40.79M 11.97%	124.30K
VANGUARD INDEX FDSSOLE	MCAP VL IDXVIP	93.90K	SH	$16.39M 4.81%	93.90K
DIMENSIONAL ETF TRUSTSOLE	US TARGETED VLU	211.41K	SH	$12.31M 3.61%	211.41K
VANGUARD INTL EQUITY INDEX FSOLE	ALLWRLD EX US	140.57K	SH	$10.03M 2.94%	140.57K
SCHWAB STRATEGIC TRSOLE	US DIVIDEND EQ	158.54K	SH	$4.33M 1.27%	158.54K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	82.61K	SH	$4.14M 1.21%	82.61K
VANGUARD INDEX FDSSOLE	SM CP VAL ETF	14.83K	SH	$3.10M 0.91%	14.83K
SPDR INDEX SHS FDSSOLE	PORTFOLIO EMG MK	63.59K	SH	$2.98M 0.87%	63.59K
SPDR SERIES TRUSTSOLE	PORTFOLIO SHORT	73.73K	SH	$2.23M 0.66%	73.73K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EMR MKT ETF	41.19K	SH	$2.23M 0.65%	41.19K
APPLE INCSOLE	COM	8.28K	SH	$2.11M 0.62%	8.28K
ISHARES TRSOLE	ESG AW MSCI EAFE	21.62K	SH	$2.01M 0.59%	21.62K
VANGUARD STAR FDSSOLE	VG TL INTL STK F	23K	SH	$1.69M 0.50%	23K
SCHWAB STRATEGIC TRSOLE	EMRG MKTEQ ETF	45.04K	SH	$1.50M 0.44%	45.04K
VANGUARD INDEX FDSSOLE	MID CAP ETF	4.81K	SH	$1.41M 0.41%	4.81K
ISHARES TRSOLE	ESG AWR MSCI USA	8.53K	SH	$1.24M 0.36%	8.53K
BERKSHIRE HATHAWAY INC DELSOLE	CL B NEW	2.03K	SH	$1.02M 0.30%	2.03K
J P MORGAN EXCHANGE TRADED FSOLE	ULTRA SHT MUNCPL	16.86K	SH	$860.7K 0.25%	16.86K
ISHARES INCSOLE	ESG AWR MSCI EM	19.39K	SH	$841.9K 0.25%	19.39K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	1.37K	SH	$836.7K 0.25%	1.37K
AMAZON COM INCSOLE	COM	3.79K	SH	$832.0K 0.24%	3.79K

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