Filed: 7/23/2025ACC: 0001085146-25-004055
📋 What this filing means
PENNEY FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 42 equity positions with a total reported market value of $196.73M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
42
Positions
$196.73M
Total AUM (reported)
2.30M
Total Shares
Allocation by class
ACTIVEBETA US LG$51.93M26.4%
TOTAL STK MKT$34.98M17.8%
VAN FTSE DEV MKT$17.56M8.9%
CORE MSCI EAFE$8.52M4.3%
0-3 MNTH TREASRY$8.05M4.1%
INCOME ETF$7.90M4.0%
US DIVIDEND EQ$7.85M4.0%
Portfolio Concentration
Top 3$104.47M53.1%
4–10$51.38M26.1%
11–25$34.81M17.7%
Rest$6.07M3.1%
Top 3 weight
53.1%
Top 10 weight
79.2%
Voting Authority Distribution
Total shares with voting rights: 2.30M
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
2.30M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole42
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings42
Rows:
GOLDMAN SACHS ETF TR
SOLEShares427.80K
TypeSH
Market value$51.93M
26.40%
Sole
0.00
Shared
0.00
None
427.80K
VANGUARD INDEX FDS
SOLEShares115.10K
TypeSH
Market value$34.98M
17.78%
Sole
0.00
Shared
0.00
None
115.10K
VANGUARD TAX-MANAGED FDS
SOLEShares308.05K
TypeSH
Market value$17.56M
8.93%
Sole
0.00
Shared
0.00
None
308.05K
ISHARES TR
SOLEShares102.06K
TypeSH
Market value$8.52M
4.33%
Sole
0.00
Shared
0.00
None
102.06K
ISHARES TR
SOLEShares79.97K
TypeSH
Market value$8.05M
4.09%
Sole
0.00
Shared
0.00
None
79.97K
J P MORGAN EXCHANGE TRADED F
SOLEShares170.54K
TypeSH
Market value$7.90M
4.02%
Sole
0.00
Shared
0.00
None
170.54K
SCHWAB STRATEGIC TR
SOLEShares296.40K
TypeSH
Market value$7.85M
3.99%
Sole
0.00
Shared
0.00
None
296.40K
VANGUARD WHITEHALL FDS
SOLEShares56.79K
TypeSH
Market value$7.57M
3.85%
Sole
0.00
Shared
0.00
None
56.79K
MORGAN STANLEY ETF TRUST
SOLEShares113.12K
TypeSH
Market value$5.75M
2.92%
Sole
0.00
Shared
0.00
None
113.12K
VANGUARD MALVERN FDS
SOLEShares73.83K
TypeSH
Market value$5.73M
2.91%
Sole
0.00
Shared
0.00
None
73.83K
VANGUARD INDEX FDS
SOLEShares23.26K
TypeSH
Market value$5.51M
2.80%
Sole
0.00
Shared
0.00
None
23.26K
J P MORGAN EXCHANGE TRADED F
SOLEShares86.32K
TypeSH
Market value$4.91M
2.49%
Sole
0.00
Shared
0.00
None
86.32K
ISHARES TR
SOLEShares40.17K
TypeSH
Market value$3.98M
2.03%
Sole
0.00
Shared
0.00
None
40.17K
J P MORGAN EXCHANGE TRADED F
SOLEShares57.20K
TypeSH
Market value$3.58M
1.82%
Sole
0.00
Shared
0.00
None
57.20K
VANGUARD MUN BD FDS
SOLEShares54.53K
TypeSH
Market value$2.67M
1.36%
Sole
0.00
Shared
0.00
None
54.53K
VANGUARD STAR FDS
SOLEShares37.65K
TypeSH
Market value$2.60M
1.32%
Sole
0.00
Shared
0.00
None
37.65K
SCHWAB STRATEGIC TR
SOLEShares104.25K
TypeSH
Market value$2.48M
1.26%
Sole
0.00
Shared
0.00
None
104.25K
ISHARES TR
SOLEShares23.20K
TypeSH
Market value$2.47M
1.25%
Sole
0.00
Shared
0.00
None
23.20K
APPLE INC
SOLEShares7.96K
TypeSH
Market value$1.63M
0.83%
Sole
0.00
Shared
0.00
None
7.96K
ISHARES TR
SOLEShares1.85K
TypeSH
Market value$1.15M
0.59%
Sole
0.00
Shared
0.00
None
1.85K
MICROSOFT CORP
SOLEShares1.74K
TypeSH
Market value$863.5K
0.44%
Sole
0.00
Shared
0.00
None
1.74K
ISHARES TR
SOLEShares2.38K
TypeSH
Market value$808.2K
0.41%
Sole
0.00
Shared
0.00
None
2.38K
CHEVRON CORP NEW
SOLEShares5.33K
TypeSH
Market value$763.9K
0.39%
Sole
0.00
Shared
0.00
None
5.33K
J P MORGAN EXCHANGE TRADED F
SOLEShares11.94K
TypeSH
Market value$717.2K
0.36%
Sole
0.00
Shared
0.00
None
11.94K
CHENIERE ENERGY INC
SOLEShares2.73K
TypeSH
Market value$663.6K
0.34%
Sole
0.00
Shared
0.00
None
2.73K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
GOLDMAN SACHS ETF TRSOLE | ACTIVEBETA US LG | 427.80K | SH | $51.93M 26.40% | 0.00 | 0.00 | 427.80K |
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 115.10K | SH | $34.98M 17.78% | 0.00 | 0.00 | 115.10K |
VANGUARD TAX-MANAGED FDSSOLE | VAN FTSE DEV MKT | 308.05K | SH | $17.56M 8.93% | 0.00 | 0.00 | 308.05K |
ISHARES TRSOLE | CORE MSCI EAFE | 102.06K | SH | $8.52M 4.33% | 0.00 | 0.00 | 102.06K |
ISHARES TRSOLE | 0-3 MNTH TREASRY | 79.97K | SH | $8.05M 4.09% | 0.00 | 0.00 | 79.97K |
J P MORGAN EXCHANGE TRADED FSOLE | INCOME ETF | 170.54K | SH | $7.90M 4.02% | 0.00 | 0.00 | 170.54K |
SCHWAB STRATEGIC TRSOLE | US DIVIDEND EQ | 296.40K | SH | $7.85M 3.99% | 0.00 | 0.00 | 296.40K |
VANGUARD WHITEHALL FDSSOLE | HIGH DIV YLD | 56.79K | SH | $7.57M 3.85% | 0.00 | 0.00 | 56.79K |
MORGAN STANLEY ETF TRUSTSOLE | EATON VANCE TOTA | 113.12K | SH | $5.75M 2.92% | 0.00 | 0.00 | 113.12K |
VANGUARD MALVERN FDSSOLE | CORE BD ETF | 73.83K | SH | $5.73M 2.91% | 0.00 | 0.00 | 73.83K |
VANGUARD INDEX FDSSOLE | SMALL CP ETF | 23.26K | SH | $5.51M 2.80% | 0.00 | 0.00 | 23.26K |
J P MORGAN EXCHANGE TRADED FSOLE | EQUITY PREMIUM | 86.32K | SH | $4.91M 2.49% | 0.00 | 0.00 | 86.32K |
ISHARES TRSOLE | CORE US AGGBD ET | 40.17K | SH | $3.98M 2.03% | 0.00 | 0.00 | 40.17K |
J P MORGAN EXCHANGE TRADED FSOLE | HEDGED EQUITY LA | 57.20K | SH | $3.58M 1.82% | 0.00 | 0.00 | 57.20K |
VANGUARD MUN BD FDSSOLE | TAX EXEMPT BD | 54.53K | SH | $2.67M 1.36% | 0.00 | 0.00 | 54.53K |
VANGUARD STAR FDSSOLE | VG TL INTL STK F | 37.65K | SH | $2.60M 1.32% | 0.00 | 0.00 | 37.65K |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 104.25K | SH | $2.48M 1.26% | 0.00 | 0.00 | 104.25K |
ISHARES TRSOLE | SHRT NAT MUN ETF | 23.20K | SH | $2.47M 1.25% | 0.00 | 0.00 | 23.20K |
APPLE INCSOLE | COM | 7.96K | SH | $1.63M 0.83% | 0.00 | 0.00 | 7.96K |
ISHARES TRSOLE | CORE S&P500 ETF | 1.85K | SH | $1.15M 0.59% | 0.00 | 0.00 | 1.85K |
MICROSOFT CORPSOLE | COM | 1.74K | SH | $863.5K 0.44% | 0.00 | 0.00 | 1.74K |
ISHARES TRSOLE | RUS 1000 ETF | 2.38K | SH | $808.2K 0.41% | 0.00 | 0.00 | 2.38K |
CHEVRON CORP NEWSOLE | COM | 5.33K | SH | $763.9K 0.39% | 0.00 | 0.00 | 5.33K |
J P MORGAN EXCHANGE TRADED FSOLE | US QUALTY FCTR | 11.94K | SH | $717.2K 0.36% | 0.00 | 0.00 | 11.94K |
CHENIERE ENERGY INCSOLE | COM NEW | 2.73K | SH | $663.6K 0.34% | 0.00 | 0.00 | 2.73K |
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