Filed: 5/2/2025ACC: 0001085146-25-002537
📋 What this filing means
PENNEY FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 37 equity positions with a total reported market value of $152.26M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
37
Positions
$152.26M
Total AUM (reported)
1.71M
Total Shares
Allocation by class
ACTIVEBETA US LG$43.30M28.4%
TOTAL STK MKT$32.62M21.4%
VAN FTSE DEV MKT$15.18M10.0%
HIGH DIV YLD$10.72M7.0%
US DIVIDEND EQ$8.19M5.4%
CORE MSCI EAFE$7.30M4.8%
SMALL CP ETF$6.26M4.1%
Portfolio Concentration
Top 3$91.10M59.8%
4–10$43.49M28.6%
11–25$14.08M9.2%
Rest$3.59M2.4%
Top 3 weight
59.8%
Top 10 weight
88.4%
Voting Authority Distribution
Total shares with voting rights: 1.71M
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
1.71M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole37
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings37
Rows:
GOLDMAN SACHS ETF TR
SOLEShares393.31K
TypeSH
Market value$43.30M
28.43%
Sole
0.00
Shared
0.00
None
393.31K
VANGUARD INDEX FDS
SOLEShares118.69K
TypeSH
Market value$32.62M
21.42%
Sole
0.00
Shared
0.00
None
118.69K
VANGUARD TAX-MANAGED FDS
SOLEShares298.71K
TypeSH
Market value$15.18M
9.97%
Sole
0.00
Shared
0.00
None
298.71K
VANGUARD WHITEHALL FDS
SOLEShares83.12K
TypeSH
Market value$10.72M
7.04%
Sole
0.00
Shared
0.00
None
83.12K
SCHWAB STRATEGIC TR
SOLEShares292.75K
TypeSH
Market value$8.19M
5.38%
Sole
0.00
Shared
0.00
None
292.75K
ISHARES TR
SOLEShares96.56K
TypeSH
Market value$7.30M
4.80%
Sole
0.00
Shared
0.00
None
96.56K
VANGUARD INDEX FDS
SOLEShares28.25K
TypeSH
Market value$6.26M
4.11%
Sole
0.00
Shared
0.00
None
28.25K
J P MORGAN EXCHANGE TRADED F
SOLEShares85.15K
TypeSH
Market value$4.87M
3.20%
Sole
0.00
Shared
0.00
None
85.15K
J P MORGAN EXCHANGE TRADED F
SOLEShares60.59K
TypeSH
Market value$3.62M
2.37%
Sole
0.00
Shared
0.00
None
60.59K
VANGUARD STAR FDS
SOLEShares40.85K
TypeSH
Market value$2.54M
1.67%
Sole
0.00
Shared
0.00
None
40.85K
ISHARES TR
SOLEShares23.07K
TypeSH
Market value$2.44M
1.60%
Sole
0.00
Shared
0.00
None
23.07K
APPLE INC
SOLEShares7.86K
TypeSH
Market value$1.75M
1.15%
Sole
0.00
Shared
0.00
None
7.86K
VANGUARD MUN BD FDS
SOLEShares29.12K
TypeSH
Market value$1.45M
0.95%
Sole
0.00
Shared
0.00
None
29.12K
ISHARES TR
SOLEShares1.85K
TypeSH
Market value$1.04M
0.68%
Sole
0.00
Shared
0.00
None
1.85K
ISHARES TR
SOLEShares9.96K
TypeSH
Market value$985.6K
0.65%
Sole
0.00
Shared
0.00
None
9.96K
CHEVRON CORP NEW
SOLEShares5.33K
TypeSH
Market value$892.4K
0.59%
Sole
0.00
Shared
0.00
None
5.33K
ISHARES TR
SOLEShares2.38K
TypeSH
Market value$730.0K
0.48%
Sole
0.00
Shared
0.00
None
2.38K
J P MORGAN EXCHANGE TRADED F
SOLEShares11.94K
TypeSH
Market value$674.4K
0.44%
Sole
0.00
Shared
0.00
None
11.94K
MICROSOFT CORP
SOLEShares1.74K
TypeSH
Market value$651.7K
0.43%
Sole
0.00
Shared
0.00
None
1.74K
CHENIERE ENERGY INC
SOLEShares2.73K
TypeSH
Market value$630.6K
0.41%
Sole
0.00
Shared
0.00
None
2.73K
SCHWAB STRATEGIC TR
SOLEShares29.16K
TypeSH
Market value$627.7K
0.41%
Sole
0.00
Shared
0.00
None
29.16K
DIMENSIONAL ETF TRUST
SOLEShares14.83K
TypeSH
Market value$623.8K
0.41%
Sole
0.00
Shared
0.00
None
14.83K
INSPERITY INC
SOLEShares6.98K
TypeSH
Market value$622.5K
0.41%
Sole
0.00
Shared
0.00
None
6.98K
AMAZON COM INC
SOLEShares2.76K
TypeSH
Market value$524.9K
0.34%
Sole
0.00
Shared
0.00
None
2.76K
VANGUARD INDEX FDS
SOLEShares871.00
TypeSH
Market value$447.5K
0.29%
Sole
0.00
Shared
0.00
None
871.00
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
GOLDMAN SACHS ETF TRSOLE | ACTIVEBETA US LG | 393.31K | SH | $43.30M 28.43% | 0.00 | 0.00 | 393.31K |
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 118.69K | SH | $32.62M 21.42% | 0.00 | 0.00 | 118.69K |
VANGUARD TAX-MANAGED FDSSOLE | VAN FTSE DEV MKT | 298.71K | SH | $15.18M 9.97% | 0.00 | 0.00 | 298.71K |
VANGUARD WHITEHALL FDSSOLE | HIGH DIV YLD | 83.12K | SH | $10.72M 7.04% | 0.00 | 0.00 | 83.12K |
SCHWAB STRATEGIC TRSOLE | US DIVIDEND EQ | 292.75K | SH | $8.19M 5.38% | 0.00 | 0.00 | 292.75K |
ISHARES TRSOLE | CORE MSCI EAFE | 96.56K | SH | $7.30M 4.80% | 0.00 | 0.00 | 96.56K |
VANGUARD INDEX FDSSOLE | SMALL CP ETF | 28.25K | SH | $6.26M 4.11% | 0.00 | 0.00 | 28.25K |
J P MORGAN EXCHANGE TRADED FSOLE | EQUITY PREMIUM | 85.15K | SH | $4.87M 3.20% | 0.00 | 0.00 | 85.15K |
J P MORGAN EXCHANGE TRADED FSOLE | HEDGED EQUITY LA | 60.59K | SH | $3.62M 2.37% | 0.00 | 0.00 | 60.59K |
VANGUARD STAR FDSSOLE | VG TL INTL STK F | 40.85K | SH | $2.54M 1.67% | 0.00 | 0.00 | 40.85K |
ISHARES TRSOLE | SHRT NAT MUN ETF | 23.07K | SH | $2.44M 1.60% | 0.00 | 0.00 | 23.07K |
APPLE INCSOLE | COM | 7.86K | SH | $1.75M 1.15% | 0.00 | 0.00 | 7.86K |
VANGUARD MUN BD FDSSOLE | TAX EXEMPT BD | 29.12K | SH | $1.45M 0.95% | 0.00 | 0.00 | 29.12K |
ISHARES TRSOLE | CORE S&P500 ETF | 1.85K | SH | $1.04M 0.68% | 0.00 | 0.00 | 1.85K |
ISHARES TRSOLE | CORE US AGGBD ET | 9.96K | SH | $985.6K 0.65% | 0.00 | 0.00 | 9.96K |
CHEVRON CORP NEWSOLE | COM | 5.33K | SH | $892.4K 0.59% | 0.00 | 0.00 | 5.33K |
ISHARES TRSOLE | RUS 1000 ETF | 2.38K | SH | $730.0K 0.48% | 0.00 | 0.00 | 2.38K |
J P MORGAN EXCHANGE TRADED FSOLE | US QUALTY FCTR | 11.94K | SH | $674.4K 0.44% | 0.00 | 0.00 | 11.94K |
MICROSOFT CORPSOLE | COM | 1.74K | SH | $651.7K 0.43% | 0.00 | 0.00 | 1.74K |
CHENIERE ENERGY INCSOLE | COM NEW | 2.73K | SH | $630.6K 0.41% | 0.00 | 0.00 | 2.73K |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 29.16K | SH | $627.7K 0.41% | 0.00 | 0.00 | 29.16K |
DIMENSIONAL ETF TRUSTSOLE | CORE FIXED INCOM | 14.83K | SH | $623.8K 0.41% | 0.00 | 0.00 | 14.83K |
INSPERITY INCSOLE | COM | 6.98K | SH | $622.5K 0.41% | 0.00 | 0.00 | 6.98K |
AMAZON COM INCSOLE | COM | 2.76K | SH | $524.9K 0.34% | 0.00 | 0.00 | 2.76K |
VANGUARD INDEX FDSSOLE | S&P 500 ETF SHS | 871.00 | SH | $447.5K 0.29% | 0.00 | 0.00 | 871.00 |
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