PENNEY FINANCIAL, LLC

Filed: 1/21/2026ACC: 0002049857-26-000001

📋 What this filing means

PENNEY FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 49 equity positions with a total reported market value of $259.14M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$259.14M

Total AUM (reported)

3.14M

Total Shares

Allocation by class

ACTIVEBETA US LG$62.56M24.1%

TOTAL STK MKT$41.60M16.1%

VAN FTSE DEV MKT$21.36M8.2%

0-3 MNTH TREASRY$18.44M7.1%

CORE MSCI EAFE$11.77M4.5%

INCOME ETF$9.32M3.6%

HIGH DIV YLD$8.73M3.4%

Portfolio Concentration

Top 3$125.53M48.4%

4–10$70.48M27.2%

11–25$53.75M20.7%

Rest$9.38M3.6%

Top 3 weight

48.4%

Top 10 weight

75.6%

Voting Authority Distribution

Total shares with voting rights: 3.14M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

3.14M

% of voting shares100.0%

Investment Discretion (by position count)

Sole49

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings49

Rows:

GOLDMAN SACHS ETF TR

SOLE

ACTIVEBETA US LG

Shares472.64K

TypeSH

Market value$62.56M

24.14%

Sole

0.00

Shared

0.00

None

472.64K

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares124.07K

TypeSH

Market value$41.60M

16.05%

Sole

0.00

Shared

0.00

None

124.07K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares341.99K

TypeSH

Market value$21.36M

8.24%

Sole

0.00

Shared

0.00

None

341.99K

ISHARES TR

SOLE

0-3 MNTH TREASRY

Shares183.70K

TypeSH

Market value$18.44M

7.12%

Sole

0.00

Shared

0.00

None

183.70K

ISHARES TR

SOLE

CORE MSCI EAFE

Shares131.59K

TypeSH

Market value$11.77M

4.54%

Sole

0.00

Shared

0.00

None

131.59K

J P MORGAN EXCHANGE TRADED F

SOLE

INCOME ETF

Shares201.32K

TypeSH

Market value$9.32M

3.60%

Sole

0.00

Shared

0.00

None

201.32K

VANGUARD WHITEHALL FDS

SOLE

HIGH DIV YLD

Shares60.81K

TypeSH

Market value$8.73M

3.37%

Sole

0.00

Shared

0.00

None

60.81K

SCHWAB STRATEGIC TR

SOLE

US DIVIDEND EQ

Shares306.67K

TypeSH

Market value$8.41M

3.25%

Sole

0.00

Shared

0.00

None

306.67K

MORGAN STANLEY ETF TRUST

SOLE

EATON VANCE TOTA

Shares134.47K

TypeSH

Market value$6.93M

2.67%

Sole

0.00

Shared

0.00

None

134.47K

VANGUARD MALVERN FDS

SOLE

CORE BD ETF

Shares88.42K

TypeSH

Market value$6.89M

2.66%

Sole

0.00

Shared

0.00

None

88.42K

FRANKLIN TEMPLETON ETF TR

SOLE

FRANKLIN DYN MUN

Shares260.44K

TypeSH

Market value$6.48M

2.50%

Sole

0.00

Shared

0.00

None

260.44K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares24.65K

TypeSH

Market value$6.36M

2.45%

Sole

0.00

Shared

0.00

None

24.65K

J P MORGAN EXCHANGE TRADED F

SOLE

EQUITY PREMIUM

Shares97.79K

TypeSH

Market value$5.60M

2.16%

Sole

0.00

Shared

0.00

None

97.79K

CAPITAL GRP FIXED INCM ETF T

SOLE

MUNICIPAL INCOME

Shares164.09K

TypeSH

Market value$4.49M

1.73%

Sole

0.00

Shared

0.00

None

164.09K

ISHARES TR

SOLE

CORE US AGGBD ET

Shares44.45K

TypeSH

Market value$4.44M

1.71%

Sole

0.00

Shared

0.00

None

44.45K

DIMENSIONAL ETF TRUST

SOLE

NATL MUN BD ETF

Shares88.31K

TypeSH

Market value$4.25M

1.64%

Sole

0.00

Shared

0.00

None

88.31K

J P MORGAN EXCHANGE TRADED F

SOLE

HEDGED EQUITY LA

Shares63.80K

TypeSH

Market value$4.24M

1.64%

Sole

0.00

Shared

0.00

None

63.80K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares73.13K

TypeSH

Market value$3.68M

1.42%

Sole

0.00

Shared

0.00

None

73.13K

VANGUARD STAR FDS

SOLE

VG TL INTL STK F

Shares41.27K

TypeSH

Market value$3.11M

1.20%

Sole

0.00

Shared

0.00

None

41.27K

SCHWAB STRATEGIC TR

SOLE

US BRD MKT ETF

Shares110.75K

TypeSH

Market value$2.90M

1.12%

Sole

0.00

Shared

0.00

None

110.75K

ISHARES TR

SOLE

SHRT NAT MUN ETF

Shares24.61K

TypeSH

Market value$2.63M

1.01%

Sole

0.00

Shared

0.00

None

24.61K

APPLE INC

SOLE

COM

Shares8.89K

TypeSH

Market value$2.42M

0.93%

Sole

0.00

Shared

0.00

None

8.89K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares2.07K

TypeSH

Market value$1.30M

0.50%

Sole

0.00

Shared

0.00

None

2.07K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares1.37K

TypeSH

Market value$941.1K

0.36%

Sole

0.00

Shared

0.00

None

1.37K

MICROSOFT CORP

SOLE

COM

Shares1.89K

TypeSH

Market value$914.0K

0.35%

Sole

0.00

Shared

0.00

None

1.89K

Issuer	Class	Shares	Type	Value / Portfolio %	None
GOLDMAN SACHS ETF TRSOLE	ACTIVEBETA US LG	472.64K	SH	$62.56M 24.14%	472.64K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	124.07K	SH	$41.60M 16.05%	124.07K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	341.99K	SH	$21.36M 8.24%	341.99K
ISHARES TRSOLE	0-3 MNTH TREASRY	183.70K	SH	$18.44M 7.12%	183.70K
ISHARES TRSOLE	CORE MSCI EAFE	131.59K	SH	$11.77M 4.54%	131.59K
J P MORGAN EXCHANGE TRADED FSOLE	INCOME ETF	201.32K	SH	$9.32M 3.60%	201.32K
VANGUARD WHITEHALL FDSSOLE	HIGH DIV YLD	60.81K	SH	$8.73M 3.37%	60.81K
SCHWAB STRATEGIC TRSOLE	US DIVIDEND EQ	306.67K	SH	$8.41M 3.25%	306.67K
MORGAN STANLEY ETF TRUSTSOLE	EATON VANCE TOTA	134.47K	SH	$6.93M 2.67%	134.47K
VANGUARD MALVERN FDSSOLE	CORE BD ETF	88.42K	SH	$6.89M 2.66%	88.42K
FRANKLIN TEMPLETON ETF TRSOLE	FRANKLIN DYN MUN	260.44K	SH	$6.48M 2.50%	260.44K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	24.65K	SH	$6.36M 2.45%	24.65K
J P MORGAN EXCHANGE TRADED FSOLE	EQUITY PREMIUM	97.79K	SH	$5.60M 2.16%	97.79K
CAPITAL GRP FIXED INCM ETF TSOLE	MUNICIPAL INCOME	164.09K	SH	$4.49M 1.73%	164.09K
ISHARES TRSOLE	CORE US AGGBD ET	44.45K	SH	$4.44M 1.71%	44.45K
DIMENSIONAL ETF TRUSTSOLE	NATL MUN BD ETF	88.31K	SH	$4.25M 1.64%	88.31K
J P MORGAN EXCHANGE TRADED FSOLE	HEDGED EQUITY LA	63.80K	SH	$4.24M 1.64%	63.80K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	73.13K	SH	$3.68M 1.42%	73.13K
VANGUARD STAR FDSSOLE	VG TL INTL STK F	41.27K	SH	$3.11M 1.20%	41.27K
SCHWAB STRATEGIC TRSOLE	US BRD MKT ETF	110.75K	SH	$2.90M 1.12%	110.75K
ISHARES TRSOLE	SHRT NAT MUN ETF	24.61K	SH	$2.63M 1.01%	24.61K
APPLE INCSOLE	COM	8.89K	SH	$2.42M 0.93%	8.89K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	2.07K	SH	$1.30M 0.50%	2.07K
ISHARES TRSOLE	CORE S&P500 ETF	1.37K	SH	$941.1K 0.36%	1.37K
MICROSOFT CORPSOLE	COM	1.89K	SH	$914.0K 0.35%	1.89K

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