OLIO FINANCIAL PLANNING

Filed: 7/17/2026ACC: 0001906766-26-000003

📋 What this filing means

OLIO FINANCIAL PLANNING filed this quarterly 13F‑HR report disclosing 68 equity positions with a total reported market value of $403.11M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$403.11M

Total AUM (reported)

4.71M

Total Shares

Allocation by class

VALUE ETF$74.02M18.4%

US EQUI MARK ETF$73.49M18.2%

VAN FTSE DEV MKT$59.20M14.7%

TOTAL BD ETF$49.33M12.2%

TOTAL STK MKT$41.78M10.4%

MCAP VL IDXVIP$20.27M5.0%

US TARGETED VLU$16.34M4.1%

Portfolio Concentration

Top 3$206.71M51.3%

4–10$149.32M37.0%

11–25$29.10M7.2%

Rest$17.99M4.5%

Top 3 weight

51.3%

Top 10 weight

88.3%

Voting Authority Distribution

Total shares with voting rights: 4.71M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.71M

% of voting shares100.0%

Investment Discretion (by position count)

Sole68

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings68

Rows:

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares339.64K

TypeSH

Market value$74.02M

18.36%

Sole

0.00

Shared

0.00

None

339.64K

DIMENSIONAL ETF TRUST

SOLE

US EQUI MARK ETF

Shares896.83K

TypeSH

Market value$73.49M

18.23%

Sole

0.00

Shared

0.00

None

896.83K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares830.92K

TypeSH

Market value$59.20M

14.69%

Sole

0.00

Shared

0.00

None

830.92K

FIDELITY MERRIMACK STR TR

SOLE

TOTAL BD ETF

Shares1.08M

TypeSH

Market value$49.33M

12.24%

Sole

0.00

Shared

0.00

None

1.08M

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares112.90K

TypeSH

Market value$41.78M

10.36%

Sole

0.00

Shared

0.00

None

112.90K

VANGUARD INDEX FDS

SOLE

MCAP VL IDXVIP

Shares102.58K

TypeSH

Market value$20.27M

5.03%

Sole

0.00

Shared

0.00

None

102.58K

DIMENSIONAL ETF TRUST

SOLE

US TARGETED VLU

Shares233.80K

TypeSH

Market value$16.34M

4.05%

Sole

0.00

Shared

0.00

None

233.80K

VANGUARD INTL EQUITY INDEX F

SOLE

ALLWRLD EX US

Shares145.17K

TypeSH

Market value$12.16M

3.02%

Sole

0.00

Shared

0.00

None

145.17K

SCHWAB STRATEGIC TR

SOLE

US DIVIDEND EQ

Shares161.38K

TypeSH

Market value$5.12M

1.27%

Sole

0.00

Shared

0.00

None

161.38K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares85.52K

TypeSH

Market value$4.33M

1.07%

Sole

0.00

Shared

0.00

None

85.52K

SPDR INDEX SHS FDS

SOLE

ST PORT MARK ETF

Shares70.42K

TypeSH

Market value$3.65M

0.90%

Sole

0.00

Shared

0.00

None

70.42K

VANGUARD INDEX FDS

SOLE

SM CP VAL ETF

Shares13.46K

TypeSH

Market value$3.27M

0.81%

Sole

0.00

Shared

0.00

None

13.46K

APPLE INC

SOLE

COM

Shares10.42K

TypeSH

Market value$3.02M

0.75%

Sole

0.00

Shared

0.00

None

10.42K

SPDR SERIES TRUST

SOLE

ST SHOR CORP ETF

Shares89.29K

TypeSH

Market value$2.68M

0.66%

Sole

0.00

Shared

0.00

None

89.29K

ISHARES TR

SOLE

ESG AW MSCI EAFE

Shares21.85K

TypeSH

Market value$2.25M

0.56%

Sole

0.00

Shared

0.00

None

21.85K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EMR MKT ETF

Shares37.51K

TypeSH

Market value$2.24M

0.56%

Sole

0.00

Shared

0.00

None

37.51K

VANGUARD STAR FDS

SOLE

VG TL INTL STK F

Shares24.32K

TypeSH

Market value$2.08M

0.52%

Sole

0.00

Shared

0.00

None

24.32K

ISHARES TR

SOLE

ESG AWR MSCI USA

Shares10.38K

TypeSH

Market value$1.70M

0.42%

Sole

0.00

Shared

0.00

None

10.38K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares2.28K

TypeSH

Market value$1.56M

0.39%

Sole

0.00

Shared

0.00

None

2.28K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares17.38K

TypeSH

Market value$1.40M

0.35%

Sole

0.00

Shared

0.00

None

17.38K

SCHWAB STRATEGIC TR

SOLE

EMRG MKTEQ ETF

Shares35.60K

TypeSH

Market value$1.29M

0.32%

Sole

0.00

Shared

0.00

None

35.60K

ISHARES INC

SOLE

MSCI EMRG CHN

Shares10.43K

TypeSH

Market value$1.07M

0.26%

Sole

0.00

Shared

0.00

None

10.43K

J P MORGAN EXCHANGE TRADED F

SOLE

ULTRA SHT MUNCPL

Shares20.17K

TypeSH

Market value$1.03M

0.26%

Sole

0.00

Shared

0.00

None

20.17K

BERKSHIRE HATHAWAY INC DEL

SOLE

CL B NEW

Shares1.89K

TypeSH

Market value$946.2K

0.23%

Sole

0.00

Shared

0.00

None

1.89K

ISHARES INC

SOLE

ESG AWR MSCI EM

Shares16.91K

TypeSH

Market value$924.8K

0.23%

Sole

0.00

Shared

0.00

None

16.91K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD INDEX FDSSOLE	VALUE ETF	339.64K	SH	$74.02M 18.36%	339.64K
DIMENSIONAL ETF TRUSTSOLE	US EQUI MARK ETF	896.83K	SH	$73.49M 18.23%	896.83K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	830.92K	SH	$59.20M 14.69%	830.92K
FIDELITY MERRIMACK STR TRSOLE	TOTAL BD ETF	1.08M	SH	$49.33M 12.24%	1.08M
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	112.90K	SH	$41.78M 10.36%	112.90K
VANGUARD INDEX FDSSOLE	MCAP VL IDXVIP	102.58K	SH	$20.27M 5.03%	102.58K
DIMENSIONAL ETF TRUSTSOLE	US TARGETED VLU	233.80K	SH	$16.34M 4.05%	233.80K
VANGUARD INTL EQUITY INDEX FSOLE	ALLWRLD EX US	145.17K	SH	$12.16M 3.02%	145.17K
SCHWAB STRATEGIC TRSOLE	US DIVIDEND EQ	161.38K	SH	$5.12M 1.27%	161.38K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	85.52K	SH	$4.33M 1.07%	85.52K
SPDR INDEX SHS FDSSOLE	ST PORT MARK ETF	70.42K	SH	$3.65M 0.90%	70.42K
VANGUARD INDEX FDSSOLE	SM CP VAL ETF	13.46K	SH	$3.27M 0.81%	13.46K
APPLE INCSOLE	COM	10.42K	SH	$3.02M 0.75%	10.42K
SPDR SERIES TRUSTSOLE	ST SHOR CORP ETF	89.29K	SH	$2.68M 0.66%	89.29K
ISHARES TRSOLE	ESG AW MSCI EAFE	21.85K	SH	$2.25M 0.56%	21.85K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EMR MKT ETF	37.51K	SH	$2.24M 0.56%	37.51K
VANGUARD STAR FDSSOLE	VG TL INTL STK F	24.32K	SH	$2.08M 0.52%	24.32K
ISHARES TRSOLE	ESG AWR MSCI USA	10.38K	SH	$1.70M 0.42%	10.38K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	2.28K	SH	$1.56M 0.39%	2.28K
VANGUARD INDEX FDSSOLE	MID CAP ETF	17.38K	SH	$1.40M 0.35%	17.38K
SCHWAB STRATEGIC TRSOLE	EMRG MKTEQ ETF	35.60K	SH	$1.29M 0.32%	35.60K
ISHARES INCSOLE	MSCI EMRG CHN	10.43K	SH	$1.07M 0.26%	10.43K
J P MORGAN EXCHANGE TRADED FSOLE	ULTRA SHT MUNCPL	20.17K	SH	$1.03M 0.26%	20.17K
BERKSHIRE HATHAWAY INC DELSOLE	CL B NEW	1.89K	SH	$946.2K 0.23%	1.89K
ISHARES INCSOLE	ESG AWR MSCI EM	16.91K	SH	$924.8K 0.23%	16.91K

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