OLIO FINANCIAL PLANNING

Filed: 1/21/2026ACC: 0001906766-26-000001

📋 What this filing means

OLIO FINANCIAL PLANNING filed this quarterly 13F‑HR report disclosing 71 equity positions with a total reported market value of $356.49M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$356.49M

Total AUM (reported)

4.55M

Total Shares

Allocation by class

US EQUITY MARKET$63.51M17.8%

VALUE ETF$62.26M17.5%

VAN FTSE DEV MKT$51.64M14.5%

TOTAL BD ETF$44.92M12.6%

TOTAL STK MKT$39.81M11.2%

MCAP VL IDXVIP$17.31M4.9%

US TARGETED VLU$13.48M3.8%

Portfolio Concentration

Top 3$177.40M49.8%

4–10$134.72M37.8%

11–25$26.10M7.3%

Rest$18.27M5.1%

Top 3 weight

49.8%

Top 10 weight

87.6%

Voting Authority Distribution

Total shares with voting rights: 4.55M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.55M

% of voting shares100.0%

Investment Discretion (by position count)

Sole71

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings71

Rows:

DIMENSIONAL ETF TRUST

SOLE

US EQUITY MARKET

Shares856.24K

TypeSH

Market value$63.51M

17.81%

Sole

0.00

Shared

0.00

None

856.24K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares325.98K

TypeSH

Market value$62.26M

17.46%

Sole

0.00

Shared

0.00

None

325.98K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares826.60K

TypeSH

Market value$51.64M

14.48%

Sole

0.00

Shared

0.00

None

826.60K

FIDELITY MERRIMACK STR TR

SOLE

TOTAL BD ETF

Shares975.74K

TypeSH

Market value$44.92M

12.60%

Sole

0.00

Shared

0.00

None

975.74K

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares118.73K

TypeSH

Market value$39.81M

11.17%

Sole

0.00

Shared

0.00

None

118.73K

VANGUARD INDEX FDS

SOLE

MCAP VL IDXVIP

Shares97.60K

TypeSH

Market value$17.31M

4.86%

Sole

0.00

Shared

0.00

None

97.60K

DIMENSIONAL ETF TRUST

SOLE

US TARGETED VLU

Shares226.39K

TypeSH

Market value$13.48M

3.78%

Sole

0.00

Shared

0.00

None

226.39K

VANGUARD INTL EQUITY INDEX F

SOLE

ALLWRLD EX US

Shares143.36K

TypeSH

Market value$10.55M

2.96%

Sole

0.00

Shared

0.00

None

143.36K

SCHWAB STRATEGIC TR

SOLE

US DIVIDEND EQ

Shares159.44K

TypeSH

Market value$4.37M

1.23%

Sole

0.00

Shared

0.00

None

159.44K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares85.14K

TypeSH

Market value$4.28M

1.20%

Sole

0.00

Shared

0.00

None

85.14K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO EMG MK

Shares67.59K

TypeSH

Market value$3.16M

0.89%

Sole

0.00

Shared

0.00

None

67.59K

VANGUARD INDEX FDS

SOLE

SM CP VAL ETF

Shares14.05K

TypeSH

Market value$2.98M

0.83%

Sole

0.00

Shared

0.00

None

14.05K

APPLE INC

SOLE

COM

Shares10.37K

TypeSH

Market value$2.82M

0.79%

Sole

0.00

Shared

0.00

None

10.37K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares76.70K

TypeSH

Market value$2.32M

0.65%

Sole

0.00

Shared

0.00

None

76.70K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EMR MKT ETF

Shares40.73K

TypeSH

Market value$2.19M

0.61%

Sole

0.00

Shared

0.00

None

40.73K

ISHARES TR

SOLE

ESG AW MSCI EAFE

Shares22.57K

TypeSH

Market value$2.15M

0.60%

Sole

0.00

Shared

0.00

None

22.57K

VANGUARD STAR FDS

SOLE

VG TL INTL STK F

Shares22.84K

TypeSH

Market value$1.72M

0.48%

Sole

0.00

Shared

0.00

None

22.84K

ISHARES TR

SOLE

ESG AWR MSCI USA

Shares10.08K

TypeSH

Market value$1.50M

0.42%

Sole

0.00

Shared

0.00

None

10.08K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares4.87K

TypeSH

Market value$1.41M

0.40%

Sole

0.00

Shared

0.00

None

4.87K

SCHWAB STRATEGIC TR

SOLE

EMRG MKTEQ ETF

Shares39.87K

TypeSH

Market value$1.31M

0.37%

Sole

0.00

Shared

0.00

None

39.87K

BERKSHIRE HATHAWAY INC DEL

SOLE

CL B NEW

Shares1.95K

TypeSH

Market value$979.7K

0.27%

Sole

0.00

Shared

0.00

None

1.95K

J P MORGAN EXCHANGE TRADED F

SOLE

ULTRA SHT MUNCPL

Shares18.56K

TypeSH

Market value$945.7K

0.27%

Sole

0.00

Shared

0.00

None

18.56K

AMAZON COM INC

SOLE

COM

Shares3.84K

TypeSH

Market value$885.7K

0.25%

Sole

0.00

Shared

0.00

None

3.84K

ISHARES INC

SOLE

MSCI EMRG CHN

Shares12.08K

TypeSH

Market value$878.0K

0.25%

Sole

0.00

Shared

0.00

None

12.08K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares1.37K

TypeSH

Market value$856.4K

0.24%

Sole

0.00

Shared

0.00

None

1.37K

Issuer	Class	Shares	Type	Value / Portfolio %	None
DIMENSIONAL ETF TRUSTSOLE	US EQUITY MARKET	856.24K	SH	$63.51M 17.81%	856.24K
VANGUARD INDEX FDSSOLE	VALUE ETF	325.98K	SH	$62.26M 17.46%	325.98K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	826.60K	SH	$51.64M 14.48%	826.60K
FIDELITY MERRIMACK STR TRSOLE	TOTAL BD ETF	975.74K	SH	$44.92M 12.60%	975.74K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	118.73K	SH	$39.81M 11.17%	118.73K
VANGUARD INDEX FDSSOLE	MCAP VL IDXVIP	97.60K	SH	$17.31M 4.86%	97.60K
DIMENSIONAL ETF TRUSTSOLE	US TARGETED VLU	226.39K	SH	$13.48M 3.78%	226.39K
VANGUARD INTL EQUITY INDEX FSOLE	ALLWRLD EX US	143.36K	SH	$10.55M 2.96%	143.36K
SCHWAB STRATEGIC TRSOLE	US DIVIDEND EQ	159.44K	SH	$4.37M 1.23%	159.44K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	85.14K	SH	$4.28M 1.20%	85.14K
SPDR INDEX SHS FDSSOLE	PORTFOLIO EMG MK	67.59K	SH	$3.16M 0.89%	67.59K
VANGUARD INDEX FDSSOLE	SM CP VAL ETF	14.05K	SH	$2.98M 0.83%	14.05K
APPLE INCSOLE	COM	10.37K	SH	$2.82M 0.79%	10.37K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	76.70K	SH	$2.32M 0.65%	76.70K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EMR MKT ETF	40.73K	SH	$2.19M 0.61%	40.73K
ISHARES TRSOLE	ESG AW MSCI EAFE	22.57K	SH	$2.15M 0.60%	22.57K
VANGUARD STAR FDSSOLE	VG TL INTL STK F	22.84K	SH	$1.72M 0.48%	22.84K
ISHARES TRSOLE	ESG AWR MSCI USA	10.08K	SH	$1.50M 0.42%	10.08K
VANGUARD INDEX FDSSOLE	MID CAP ETF	4.87K	SH	$1.41M 0.40%	4.87K
SCHWAB STRATEGIC TRSOLE	EMRG MKTEQ ETF	39.87K	SH	$1.31M 0.37%	39.87K
BERKSHIRE HATHAWAY INC DELSOLE	CL B NEW	1.95K	SH	$979.7K 0.27%	1.95K
J P MORGAN EXCHANGE TRADED FSOLE	ULTRA SHT MUNCPL	18.56K	SH	$945.7K 0.27%	18.56K
AMAZON COM INCSOLE	COM	3.84K	SH	$885.7K 0.25%	3.84K
ISHARES INCSOLE	MSCI EMRG CHN	12.08K	SH	$878.0K 0.25%	12.08K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	1.37K	SH	$856.4K 0.24%	1.37K

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