Filed: 1/23/2025ACC: 0001085146-25-000437
📋 What this filing means
PENNEY FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 39 equity positions with a total reported market value of $149.12M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
39
Positions
$149.12M
Total AUM (reported)
1.63M
Total Shares
Allocation by class
ACTIVEBETA US LG$43.33M29.1%
TOTAL STK MKT$33.20M22.3%
VAN FTSE DEV MKT$13.21M8.9%
HIGH DIV YLD$10.07M6.8%
US DIVIDEND EQ$7.61M5.1%
CORE MSCI EAFE$6.48M4.3%
SMALL CP ETF$6.46M4.3%
Portfolio Concentration
Top 3$89.74M60.2%
4–10$41.21M27.6%
11–25$14.24M9.6%
Rest$3.92M2.6%
Top 3 weight
60.2%
Top 10 weight
87.8%
Voting Authority Distribution
Total shares with voting rights: 1.63M
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
1.63M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole39
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings39
Rows:
GOLDMAN SACHS ETF TR
SOLEShares376.20K
TypeSH
Market value$43.33M
29.06%
Sole
0.00
Shared
0.00
None
376.20K
VANGUARD INDEX FDS
SOLEShares114.56K
TypeSH
Market value$33.20M
22.26%
Sole
0.00
Shared
0.00
None
114.56K
VANGUARD TAX-MANAGED FDS
SOLEShares276.15K
TypeSH
Market value$13.21M
8.86%
Sole
0.00
Shared
0.00
None
276.15K
VANGUARD WHITEHALL FDS
SOLEShares78.93K
TypeSH
Market value$10.07M
6.75%
Sole
0.00
Shared
0.00
None
78.93K
SCHWAB STRATEGIC TR
SOLEShares278.72K
TypeSH
Market value$7.61M
5.11%
Sole
0.00
Shared
0.00
None
278.72K
ISHARES TR
SOLEShares92.14K
TypeSH
Market value$6.48M
4.34%
Sole
0.00
Shared
0.00
None
92.14K
VANGUARD INDEX FDS
SOLEShares26.89K
TypeSH
Market value$6.46M
4.33%
Sole
0.00
Shared
0.00
None
26.89K
J P MORGAN EXCHANGE TRADED F
SOLEShares80.39K
TypeSH
Market value$4.62M
3.10%
Sole
0.00
Shared
0.00
None
80.39K
J P MORGAN EXCHANGE TRADED F
SOLEShares57.94K
TypeSH
Market value$3.59M
2.41%
Sole
0.00
Shared
0.00
None
57.94K
VANGUARD STAR FDS
SOLEShares40.21K
TypeSH
Market value$2.37M
1.59%
Sole
0.00
Shared
0.00
None
40.21K
ISHARES TR
SOLEShares22.23K
TypeSH
Market value$2.34M
1.57%
Sole
0.00
Shared
0.00
None
22.23K
APPLE INC
SOLEShares7.85K
TypeSH
Market value$1.97M
1.32%
Sole
0.00
Shared
0.00
None
7.85K
VANGUARD MUN BD FDS
SOLEShares28K
TypeSH
Market value$1.40M
0.94%
Sole
0.00
Shared
0.00
None
28K
ISHARES TR
SOLEShares1.85K
TypeSH
Market value$1.09M
0.73%
Sole
0.00
Shared
0.00
None
1.85K
ISHARES TR
SOLEShares9.28K
TypeSH
Market value$899.1K
0.60%
Sole
0.00
Shared
0.00
None
9.28K
CHEVRON CORP NEW
SOLEShares5.58K
TypeSH
Market value$807.4K
0.54%
Sole
0.00
Shared
0.00
None
5.58K
ISHARES TR
SOLEShares2.38K
TypeSH
Market value$766.7K
0.51%
Sole
0.00
Shared
0.00
None
2.38K
SCHWAB STRATEGIC TR
SOLEShares32.26K
TypeSH
Market value$732.2K
0.49%
Sole
0.00
Shared
0.00
None
32.26K
MICROSOFT CORP
SOLEShares1.74K
TypeSH
Market value$731.7K
0.49%
Sole
0.00
Shared
0.00
None
1.74K
J P MORGAN EXCHANGE TRADED F
SOLEShares11.94K
TypeSH
Market value$684.0K
0.46%
Sole
0.00
Shared
0.00
None
11.94K
AMAZON COM INC
SOLEShares2.76K
TypeSH
Market value$605.3K
0.41%
Sole
0.00
Shared
0.00
None
2.76K
DIMENSIONAL ETF TRUST
SOLEShares14.51K
TypeSH
Market value$598.6K
0.40%
Sole
0.00
Shared
0.00
None
14.51K
CHENIERE ENERGY INC
SOLEShares2.73K
TypeSH
Market value$585.5K
0.39%
Sole
0.00
Shared
0.00
None
2.73K
INSPERITY INC
SOLEShares6.98K
TypeSH
Market value$540.7K
0.36%
Sole
0.00
Shared
0.00
None
6.98K
ISHARES TR
SOLEShares2.20K
TypeSH
Market value$486.8K
0.33%
Sole
0.00
Shared
0.00
None
2.20K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
GOLDMAN SACHS ETF TRSOLE | ACTIVEBETA US LG | 376.20K | SH | $43.33M 29.06% | 0.00 | 0.00 | 376.20K |
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 114.56K | SH | $33.20M 22.26% | 0.00 | 0.00 | 114.56K |
VANGUARD TAX-MANAGED FDSSOLE | VAN FTSE DEV MKT | 276.15K | SH | $13.21M 8.86% | 0.00 | 0.00 | 276.15K |
VANGUARD WHITEHALL FDSSOLE | HIGH DIV YLD | 78.93K | SH | $10.07M 6.75% | 0.00 | 0.00 | 78.93K |
SCHWAB STRATEGIC TRSOLE | US DIVIDEND EQ | 278.72K | SH | $7.61M 5.11% | 0.00 | 0.00 | 278.72K |
ISHARES TRSOLE | CORE MSCI EAFE | 92.14K | SH | $6.48M 4.34% | 0.00 | 0.00 | 92.14K |
VANGUARD INDEX FDSSOLE | SMALL CP ETF | 26.89K | SH | $6.46M 4.33% | 0.00 | 0.00 | 26.89K |
J P MORGAN EXCHANGE TRADED FSOLE | EQUITY PREMIUM | 80.39K | SH | $4.62M 3.10% | 0.00 | 0.00 | 80.39K |
J P MORGAN EXCHANGE TRADED FSOLE | HEDGED EQUITY LA | 57.94K | SH | $3.59M 2.41% | 0.00 | 0.00 | 57.94K |
VANGUARD STAR FDSSOLE | VG TL INTL STK F | 40.21K | SH | $2.37M 1.59% | 0.00 | 0.00 | 40.21K |
ISHARES TRSOLE | SHRT NAT MUN ETF | 22.23K | SH | $2.34M 1.57% | 0.00 | 0.00 | 22.23K |
APPLE INCSOLE | COM | 7.85K | SH | $1.97M 1.32% | 0.00 | 0.00 | 7.85K |
VANGUARD MUN BD FDSSOLE | TAX EXEMPT BD | 28K | SH | $1.40M 0.94% | 0.00 | 0.00 | 28K |
ISHARES TRSOLE | CORE S&P500 ETF | 1.85K | SH | $1.09M 0.73% | 0.00 | 0.00 | 1.85K |
ISHARES TRSOLE | CORE US AGGBD ET | 9.28K | SH | $899.1K 0.60% | 0.00 | 0.00 | 9.28K |
CHEVRON CORP NEWSOLE | COM | 5.58K | SH | $807.4K 0.54% | 0.00 | 0.00 | 5.58K |
ISHARES TRSOLE | RUS 1000 ETF | 2.38K | SH | $766.7K 0.51% | 0.00 | 0.00 | 2.38K |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 32.26K | SH | $732.2K 0.49% | 0.00 | 0.00 | 32.26K |
MICROSOFT CORPSOLE | COM | 1.74K | SH | $731.7K 0.49% | 0.00 | 0.00 | 1.74K |
J P MORGAN EXCHANGE TRADED FSOLE | US QUALTY FCTR | 11.94K | SH | $684.0K 0.46% | 0.00 | 0.00 | 11.94K |
AMAZON COM INCSOLE | COM | 2.76K | SH | $605.3K 0.41% | 0.00 | 0.00 | 2.76K |
DIMENSIONAL ETF TRUSTSOLE | CORE FIXED INCOM | 14.51K | SH | $598.6K 0.40% | 0.00 | 0.00 | 14.51K |
CHENIERE ENERGY INCSOLE | COM NEW | 2.73K | SH | $585.5K 0.39% | 0.00 | 0.00 | 2.73K |
INSPERITY INCSOLE | COM | 6.98K | SH | $540.7K 0.36% | 0.00 | 0.00 | 6.98K |
ISHARES TRSOLE | RUSSELL 2000 ETF | 2.20K | SH | $486.8K 0.33% | 0.00 | 0.00 | 2.20K |
Page 1 of 2