Filed: 12/31/2024ACC: 0001085146-24-006103
📋 What this filing means
PENNEY FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 33 equity positions with a total reported market value of $135.42M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
33
Positions
$135.42M
Total AUM (reported)
1.37M
Total Shares
Allocation by class
ACTIVEBETA US LG$41.61M30.7%
TOTAL STK MKT$27.84M20.6%
VAN FTSE DEV MKT$13.69M10.1%
HIGH DIV YLD$9.63M7.1%
US DIVIDEND EQ$6.36M4.7%
SMALL CP ETF$6.29M4.6%
CORE MSCI EAFE$5.85M4.3%
Portfolio Concentration
Top 3$83.14M61.4%
4–10$37.53M27.7%
11–25$12.52M9.2%
Rest$2.22M1.6%
Top 3 weight
61.4%
Top 10 weight
89.1%
Voting Authority Distribution
Total shares with voting rights: 1.37M
Sole
Full voting authority
0.00
shares
% of voting shares0.0%
Shared
Joint voting authority
0.00
shares
% of voting shares0.0%
None
No voting authority
1.37M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole33
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings33
Rows:
GOLDMAN SACHS ETF TR
SOLEShares400.92K
TypeSH
Market value$41.61M
30.73%
Sole
0.00
Shared
0.00
None
400.92K
VANGUARD INDEX FDS
SOLEShares107.11K
TypeSH
Market value$27.84M
20.56%
Sole
0.00
Shared
0.00
None
107.11K
VANGUARD TAX-MANAGED FDS
SOLEShares272.84K
TypeSH
Market value$13.69M
10.11%
Sole
0.00
Shared
0.00
None
272.84K
VANGUARD WHITEHALL FDS
SOLEShares79.62K
TypeSH
Market value$9.63M
7.11%
Sole
0.00
Shared
0.00
None
79.62K
SCHWAB STRATEGIC TR
SOLEShares78.83K
TypeSH
Market value$6.36M
4.69%
Sole
0.00
Shared
0.00
None
78.83K
VANGUARD INDEX FDS
SOLEShares27.53K
TypeSH
Market value$6.29M
4.65%
Sole
0.00
Shared
0.00
None
27.53K
ISHARES TR
SOLEShares78.78K
TypeSH
Market value$5.85M
4.32%
Sole
0.00
Shared
0.00
None
78.78K
J P MORGAN EXCHANGE TRADED F
SOLEShares80.62K
TypeSH
Market value$4.66M
3.44%
Sole
0.00
Shared
0.00
None
80.62K
J P MORGAN EXCHANGE TRADED F
SOLEShares42.66K
TypeSH
Market value$2.39M
1.76%
Sole
0.00
Shared
0.00
None
42.66K
VANGUARD STAR FDS
SOLEShares38.96K
TypeSH
Market value$2.35M
1.73%
Sole
0.00
Shared
0.00
None
38.96K
ISHARES TR
SOLEShares20.20K
TypeSH
Market value$2.12M
1.56%
Sole
0.00
Shared
0.00
None
20.20K
VANGUARD MUN BD FDS
SOLEShares28.62K
TypeSH
Market value$1.45M
1.07%
Sole
0.00
Shared
0.00
None
28.62K
APPLE INC
SOLEShares7.73K
TypeSH
Market value$1.32M
0.98%
Sole
0.00
Shared
0.00
None
7.73K
ISHARES TR
SOLEShares9.69K
TypeSH
Market value$949.0K
0.70%
Sole
0.00
Shared
0.00
None
9.69K
CHEVRON CORP NEW
SOLEShares5.56K
TypeSH
Market value$876.5K
0.65%
Sole
0.00
Shared
0.00
None
5.56K
ISHARES TR
SOLEShares1.58K
TypeSH
Market value$832.8K
0.61%
Sole
0.00
Shared
0.00
None
1.58K
INSPERITY INC
SOLEShares6.98K
TypeSH
Market value$764.6K
0.56%
Sole
0.00
Shared
0.00
None
6.98K
ISHARES TR
SOLEShares2.38K
TypeSH
Market value$685.5K
0.51%
Sole
0.00
Shared
0.00
None
2.38K
MICROSOFT CORP
SOLEShares1.59K
TypeSH
Market value$668.5K
0.49%
Sole
0.00
Shared
0.00
None
1.59K
J P MORGAN EXCHANGE TRADED F
SOLEShares12.31K
TypeSH
Market value$650.7K
0.48%
Sole
0.00
Shared
0.00
None
12.31K
ISHARES TR
SOLEShares2.23K
TypeSH
Market value$468.5K
0.35%
Sole
0.00
Shared
0.00
None
2.23K
SCHWAB STRATEGIC TR
SOLEShares7.31K
TypeSH
Market value$446.4K
0.33%
Sole
0.00
Shared
0.00
None
7.31K
DIMENSIONAL ETF TRUST
SOLEShares10.55K
TypeSH
Market value$442.8K
0.33%
Sole
0.00
Shared
0.00
None
10.55K
AMAZON COM INC
SOLEShares2.44K
TypeSH
Market value$440.8K
0.33%
Sole
0.00
Shared
0.00
None
2.44K
GRANITE CONSTR INC
SOLEShares7.15K
TypeSH
Market value$408.3K
0.30%
Sole
0.00
Shared
0.00
None
7.15K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
GOLDMAN SACHS ETF TRSOLE | ACTIVEBETA US LG | 400.92K | SH | $41.61M 30.73% | 0.00 | 0.00 | 400.92K |
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 107.11K | SH | $27.84M 20.56% | 0.00 | 0.00 | 107.11K |
VANGUARD TAX-MANAGED FDSSOLE | VAN FTSE DEV MKT | 272.84K | SH | $13.69M 10.11% | 0.00 | 0.00 | 272.84K |
VANGUARD WHITEHALL FDSSOLE | HIGH DIV YLD | 79.62K | SH | $9.63M 7.11% | 0.00 | 0.00 | 79.62K |
SCHWAB STRATEGIC TRSOLE | US DIVIDEND EQ | 78.83K | SH | $6.36M 4.69% | 0.00 | 0.00 | 78.83K |
VANGUARD INDEX FDSSOLE | SMALL CP ETF | 27.53K | SH | $6.29M 4.65% | 0.00 | 0.00 | 27.53K |
ISHARES TRSOLE | CORE MSCI EAFE | 78.78K | SH | $5.85M 4.32% | 0.00 | 0.00 | 78.78K |
J P MORGAN EXCHANGE TRADED FSOLE | EQUITY PREMIUM | 80.62K | SH | $4.66M 3.44% | 0.00 | 0.00 | 80.62K |
J P MORGAN EXCHANGE TRADED FSOLE | HEDGED EQUITY LA | 42.66K | SH | $2.39M 1.76% | 0.00 | 0.00 | 42.66K |
VANGUARD STAR FDSSOLE | VG TL INTL STK F | 38.96K | SH | $2.35M 1.73% | 0.00 | 0.00 | 38.96K |
ISHARES TRSOLE | SHRT NAT MUN ETF | 20.20K | SH | $2.12M 1.56% | 0.00 | 0.00 | 20.20K |
VANGUARD MUN BD FDSSOLE | TAX EXEMPT BD | 28.62K | SH | $1.45M 1.07% | 0.00 | 0.00 | 28.62K |
APPLE INCSOLE | COM | 7.73K | SH | $1.32M 0.98% | 0.00 | 0.00 | 7.73K |
ISHARES TRSOLE | CORE US AGGBD ET | 9.69K | SH | $949.0K 0.70% | 0.00 | 0.00 | 9.69K |
CHEVRON CORP NEWSOLE | COM | 5.56K | SH | $876.5K 0.65% | 0.00 | 0.00 | 5.56K |
ISHARES TRSOLE | CORE S&P500 ETF | 1.58K | SH | $832.8K 0.61% | 0.00 | 0.00 | 1.58K |
INSPERITY INCSOLE | COM | 6.98K | SH | $764.6K 0.56% | 0.00 | 0.00 | 6.98K |
ISHARES TRSOLE | RUS 1000 ETF | 2.38K | SH | $685.5K 0.51% | 0.00 | 0.00 | 2.38K |
MICROSOFT CORPSOLE | COM | 1.59K | SH | $668.5K 0.49% | 0.00 | 0.00 | 1.59K |
J P MORGAN EXCHANGE TRADED FSOLE | US QUALTY FCTR | 12.31K | SH | $650.7K 0.48% | 0.00 | 0.00 | 12.31K |
ISHARES TRSOLE | RUSSELL 2000 ETF | 2.23K | SH | $468.5K 0.35% | 0.00 | 0.00 | 2.23K |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 7.31K | SH | $446.4K 0.33% | 0.00 | 0.00 | 7.31K |
DIMENSIONAL ETF TRUSTSOLE | CORE FIXED INCOM | 10.55K | SH | $442.8K 0.33% | 0.00 | 0.00 | 10.55K |
AMAZON COM INCSOLE | COM | 2.44K | SH | $440.8K 0.33% | 0.00 | 0.00 | 2.44K |
GRANITE CONSTR INCSOLE | COM | 7.15K | SH | $408.3K 0.30% | 0.00 | 0.00 | 7.15K |
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