Filed: 4/22/2026ACC: 0002049857-26-000003
📋 What this filing means
PENNEY FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 48 equity positions with a total reported market value of $260.64M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
48
Positions
$260.64M
Total AUM (reported)
3.26M
Total Shares
Allocation by class
ACTIVEBETA US LG$59.78M22.9%
TOTAL STK MKT$41.20M15.8%
VAN FTSE DEV MKT$22.02M8.4%
0-3 MNTH TREASRY$17.36M6.7%
CORE MSCI EAFE$12.68M4.9%
INCOME ETF$9.61M3.7%
US DIVIDEND EQ$9.46M3.6%
Portfolio Concentration
Top 3$122.99M47.2%
4–10$72.47M27.8%
11–25$55.46M21.3%
Rest$9.71M3.7%
Top 3 weight
47.2%
Top 10 weight
75.0%
Voting Authority Distribution
Total shares with voting rights: 3.26M
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
3.26M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole48
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings48
Rows:
GOLDMAN SACHS ETF TR
SOLEShares477.72K
TypeSH
Market value$59.78M
22.93%
Sole
0.00
Shared
0.00
None
477.72K
VANGUARD INDEX FDS
SOLEShares128.42K
TypeSH
Market value$41.20M
15.81%
Sole
0.00
Shared
0.00
None
128.42K
VANGUARD TAX-MANAGED FDS
SOLEShares343.63K
TypeSH
Market value$22.02M
8.45%
Sole
0.00
Shared
0.00
None
343.63K
ISHARES TR
SOLEShares172.51K
TypeSH
Market value$17.36M
6.66%
Sole
0.00
Shared
0.00
None
172.51K
ISHARES TR
SOLEShares140.06K
TypeSH
Market value$12.68M
4.86%
Sole
0.00
Shared
0.00
None
140.06K
J P MORGAN EXCHANGE TRADED F
SOLEShares208.60K
TypeSH
Market value$9.61M
3.69%
Sole
0.00
Shared
0.00
None
208.60K
SCHWAB STRATEGIC TR
SOLEShares308.19K
TypeSH
Market value$9.46M
3.63%
Sole
0.00
Shared
0.00
None
308.19K
VANGUARD WHITEHALL FDS
SOLEShares60.66K
TypeSH
Market value$8.98M
3.45%
Sole
0.00
Shared
0.00
None
60.66K
FRANKLIN TEMPLETON ETF TR
SOLEShares293.01K
TypeSH
Market value$7.26M
2.79%
Sole
0.00
Shared
0.00
None
293.01K
VANGUARD MALVERN FDS
SOLEShares91.91K
TypeSH
Market value$7.11M
2.73%
Sole
0.00
Shared
0.00
None
91.91K
MORGAN STANLEY ETF TRUST
SOLEShares139.02K
TypeSH
Market value$7.06M
2.71%
Sole
0.00
Shared
0.00
None
139.02K
VANGUARD INDEX FDS
SOLEShares24.42K
TypeSH
Market value$6.40M
2.45%
Sole
0.00
Shared
0.00
None
24.42K
J P MORGAN EXCHANGE TRADED F
SOLEShares99.62K
TypeSH
Market value$5.65M
2.17%
Sole
0.00
Shared
0.00
None
99.62K
CAPITAL GRP FIXED INCM ETF T
SOLEShares185.12K
TypeSH
Market value$5.03M
1.93%
Sole
0.00
Shared
0.00
None
185.12K
DIMENSIONAL ETF TRUST
SOLEShares97.03K
TypeSH
Market value$4.65M
1.78%
Sole
0.00
Shared
0.00
None
97.03K
ISHARES TR
SOLEShares45.25K
TypeSH
Market value$4.49M
1.72%
Sole
0.00
Shared
0.00
None
45.25K
J P MORGAN EXCHANGE TRADED F
SOLEShares68.02K
TypeSH
Market value$4.35M
1.67%
Sole
0.00
Shared
0.00
None
68.02K
VANGUARD MUN BD FDS
SOLEShares78.07K
TypeSH
Market value$3.89M
1.49%
Sole
0.00
Shared
0.00
None
78.07K
VANGUARD STAR FDS
SOLEShares41.34K
TypeSH
Market value$3.19M
1.22%
Sole
0.00
Shared
0.00
None
41.34K
SCHWAB STRATEGIC TR
SOLEShares112.25K
TypeSH
Market value$2.82M
1.08%
Sole
0.00
Shared
0.00
None
112.25K
ISHARES TR
SOLEShares24.45K
TypeSH
Market value$2.60M
1.00%
Sole
0.00
Shared
0.00
None
24.45K
APPLE INC
SOLEShares8.89K
TypeSH
Market value$2.26M
0.87%
Sole
0.00
Shared
0.00
None
8.89K
VANGUARD INDEX FDS
SOLEShares2.16K
TypeSH
Market value$1.29M
0.50%
Sole
0.00
Shared
0.00
None
2.16K
CHEVRON CORPORATION
SOLEShares4.35K
TypeSH
Market value$899.7K
0.35%
Sole
0.00
Shared
0.00
None
4.35K
ISHARES TR
SOLEShares1.37K
TypeSH
Market value$897.5K
0.34%
Sole
0.00
Shared
0.00
None
1.37K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
GOLDMAN SACHS ETF TRSOLE | ACTIVEBETA US LG | 477.72K | SH | $59.78M 22.93% | 0.00 | 0.00 | 477.72K |
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 128.42K | SH | $41.20M 15.81% | 0.00 | 0.00 | 128.42K |
VANGUARD TAX-MANAGED FDSSOLE | VAN FTSE DEV MKT | 343.63K | SH | $22.02M 8.45% | 0.00 | 0.00 | 343.63K |
ISHARES TRSOLE | 0-3 MNTH TREASRY | 172.51K | SH | $17.36M 6.66% | 0.00 | 0.00 | 172.51K |
ISHARES TRSOLE | CORE MSCI EAFE | 140.06K | SH | $12.68M 4.86% | 0.00 | 0.00 | 140.06K |
J P MORGAN EXCHANGE TRADED FSOLE | INCOME ETF | 208.60K | SH | $9.61M 3.69% | 0.00 | 0.00 | 208.60K |
SCHWAB STRATEGIC TRSOLE | US DIVIDEND EQ | 308.19K | SH | $9.46M 3.63% | 0.00 | 0.00 | 308.19K |
VANGUARD WHITEHALL FDSSOLE | HIGH DIV YLD | 60.66K | SH | $8.98M 3.45% | 0.00 | 0.00 | 60.66K |
FRANKLIN TEMPLETON ETF TRSOLE | FRANKLIN DYN MUN | 293.01K | SH | $7.26M 2.79% | 0.00 | 0.00 | 293.01K |
VANGUARD MALVERN FDSSOLE | CORE BD ETF | 91.91K | SH | $7.11M 2.73% | 0.00 | 0.00 | 91.91K |
MORGAN STANLEY ETF TRUSTSOLE | EATON VANCE TOTA | 139.02K | SH | $7.06M 2.71% | 0.00 | 0.00 | 139.02K |
VANGUARD INDEX FDSSOLE | SMALL CP ETF | 24.42K | SH | $6.40M 2.45% | 0.00 | 0.00 | 24.42K |
J P MORGAN EXCHANGE TRADED FSOLE | EQUITY PREMIUM | 99.62K | SH | $5.65M 2.17% | 0.00 | 0.00 | 99.62K |
CAPITAL GRP FIXED INCM ETF TSOLE | MUNICIPAL INCOME | 185.12K | SH | $5.03M 1.93% | 0.00 | 0.00 | 185.12K |
DIMENSIONAL ETF TRUSTSOLE | NATL MUN BD ETF | 97.03K | SH | $4.65M 1.78% | 0.00 | 0.00 | 97.03K |
ISHARES TRSOLE | CORE US AGGBD ET | 45.25K | SH | $4.49M 1.72% | 0.00 | 0.00 | 45.25K |
J P MORGAN EXCHANGE TRADED FSOLE | HEDGED EQUITY LA | 68.02K | SH | $4.35M 1.67% | 0.00 | 0.00 | 68.02K |
VANGUARD MUN BD FDSSOLE | TAX EXEMPT BD | 78.07K | SH | $3.89M 1.49% | 0.00 | 0.00 | 78.07K |
VANGUARD STAR FDSSOLE | VG TL INTL STK F | 41.34K | SH | $3.19M 1.22% | 0.00 | 0.00 | 41.34K |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 112.25K | SH | $2.82M 1.08% | 0.00 | 0.00 | 112.25K |
ISHARES TRSOLE | SHRT NAT MUN ETF | 24.45K | SH | $2.60M 1.00% | 0.00 | 0.00 | 24.45K |
APPLE INCSOLE | COM | 8.89K | SH | $2.26M 0.87% | 0.00 | 0.00 | 8.89K |
VANGUARD INDEX FDSSOLE | S&P 500 ETF SHS | 2.16K | SH | $1.29M 0.50% | 0.00 | 0.00 | 2.16K |
CHEVRON CORPORATIONSOLE | COM | 4.35K | SH | $899.7K 0.35% | 0.00 | 0.00 | 4.35K |
ISHARES TRSOLE | CORE S&P500 ETF | 1.37K | SH | $897.5K 0.34% | 0.00 | 0.00 | 1.37K |
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