PENOBSCOT WEALTH MANAGEMENT

Filed: 11/19/2025ACC: 0002063364-25-000280

📋 What this filing means

PENOBSCOT WEALTH MANAGEMENT filed this quarterly 13F‑HR report disclosing 103 equity positions with a total reported market value of $311.58M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

103

Positions

$311.58M

Total AUM (reported)

4.48M

Total Shares

Allocation by class

PORTFOLIO S&P500$59.68M19.2%

GLOBAL CORE PLUS$44.87M14.4%

VAN FTSE DEV MKT$34.74M11.2%

CORE INTL AGGR$13.99M4.5%

INF TECH ETF$12.15M3.9%

FTSE EMR MKT ETF$11.31M3.6%

COM$11.18M3.6%

Portfolio Concentration

Top 3$139.30M44.7%

4–10$68.23M21.9%

11–25$51.45M16.5%

Rest$52.60M16.9%

Top 3 weight

44.7%

Top 10 weight

66.6%

Voting Authority Distribution

Total shares with voting rights: 4.48M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.48M

% of voting shares100.0%

Investment Discretion (by position count)

Sole103

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings103

Rows:

SPDR SERIES TRUST

SOLE

PORTFOLIO S&P500

Shares761.87K

TypeSH

Market value$59.68M

19.16%

Sole

0.00

Shared

0.00

None

761.87K

DIMENSIONAL ETF TRUST

SOLE

GLOBAL CORE PLUS

Shares807.49K

TypeSH

Market value$44.87M

14.40%

Sole

0.00

Shared

0.00

None

807.49K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares579.82K

TypeSH

Market value$34.74M

11.15%

Sole

0.00

Shared

0.00

None

579.82K

ISHARES TR

SOLE

CORE INTL AGGR

Shares273.04K

TypeSH

Market value$13.99M

4.49%

Sole

0.00

Shared

0.00

None

273.04K

VANGUARD WORLD FD

SOLE

INF TECH ETF

Shares16.28K

TypeSH

Market value$12.15M

3.90%

Sole

0.00

Shared

0.00

None

16.28K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EMR MKT ETF

Shares208.67K

TypeSH

Market value$11.31M

3.63%

Sole

0.00

Shared

0.00

None

208.67K

J P MORGAN EXCHANGE TRADED F

SOLE

ACTIVE GROWTH

Shares96.88K

TypeSH

Market value$9.08M

2.92%

Sole

0.00

Shared

0.00

None

96.88K

ISHARES TR

SOLE

0-5 YR TIPS ETF

Shares81K

TypeSH

Market value$8.37M

2.69%

Sole

0.00

Shared

0.00

None

81K

DIMENSIONAL ETF TRUST

SOLE

INTL CORE EQUITY

Shares232.17K

TypeSH

Market value$7.61M

2.44%

Sole

0.00

Shared

0.00

None

232.17K

VANGUARD WORLD FD

SOLE

FINANCIALS ETF

Shares43.58K

TypeSH

Market value$5.72M

1.84%

Sole

0.00

Shared

0.00

None

43.58K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares7.63K

TypeSH

Market value$4.67M

1.50%

Sole

0.00

Shared

0.00

None

7.63K

WORLD GOLD TR

SOLE

SPDR GLD MINIS

Shares57.77K

TypeSH

Market value$4.42M

1.42%

Sole

0.00

Shared

0.00

None

57.77K

SPDR SERIES TRUST

SOLE

PRTFLO S&P500 VL

Shares74.23K

TypeSH

Market value$4.11M

1.32%

Sole

0.00

Shared

0.00

None

74.23K

DIMENSIONAL ETF TRUST

SOLE

EMGR CRE EQT MNG

Shares127.11K

TypeSH

Market value$4.01M

1.29%

Sole

0.00

Shared

0.00

None

127.11K

VANGUARD WORLD FD

SOLE

COMM SRVC ETF

Shares21.27K

TypeSH

Market value$3.99M

1.28%

Sole

0.00

Shared

0.00

None

21.27K

SCHWAB STRATEGIC TR

SOLE

US LRG CAP ETF

Shares136.43K

TypeSH

Market value$3.59M

1.15%

Sole

0.00

Shared

0.00

None

136.43K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P MDCP QUALITY

Shares33.71K

TypeSH

Market value$3.54M

1.14%

Sole

0.00

Shared

0.00

None

33.71K

FIDELITY COVINGTON TRUST

SOLE

MSCI CONSM DIS

Shares33.33K

TypeSH

Market value$3.43M

1.10%

Sole

0.00

Shared

0.00

None

33.33K

VANGUARD WORLD FD

SOLE

HEALTH CAR ETF

Shares13.10K

TypeSH

Market value$3.40M

1.09%

Sole

0.00

Shared

0.00

None

13.10K

ISHARES TR

SOLE

CORE MSCI TOTAL

Shares37.05K

TypeSH

Market value$3.06M

0.98%

Sole

0.00

Shared

0.00

None

37.05K

APPLE INC

SOLE

COM

Shares11.47K

TypeSH

Market value$2.92M

0.94%

Sole

0.00

Shared

0.00

None

11.47K

FIDELITY COVINGTON TRUST

SOLE

MSCI INDL INDX

Shares34.62K

TypeSH

Market value$2.84M

0.91%

Sole

0.00

Shared

0.00

None

34.62K

ISHARES TR

SOLE

US CONSM STAPLES

Shares39.42K

TypeSH

Market value$2.70M

0.87%

Sole

0.00

Shared

0.00

None

39.42K

ISHARES INC

SOLE

MSCI JPN ETF NEW

Shares30.55K

TypeSH

Market value$2.45M

0.79%

Sole

0.00

Shared

0.00

None

30.55K

PACER FDS TR

SOLE

US CASH COWS 100

Shares40.51K

TypeSH

Market value$2.33M

0.75%

Sole

0.00

Shared

0.00

None

40.51K

Issuer	Class	Shares	Type	Value / Portfolio %	None
SPDR SERIES TRUSTSOLE	PORTFOLIO S&P500	761.87K	SH	$59.68M 19.16%	761.87K
DIMENSIONAL ETF TRUSTSOLE	GLOBAL CORE PLUS	807.49K	SH	$44.87M 14.40%	807.49K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	579.82K	SH	$34.74M 11.15%	579.82K
ISHARES TRSOLE	CORE INTL AGGR	273.04K	SH	$13.99M 4.49%	273.04K
VANGUARD WORLD FDSOLE	INF TECH ETF	16.28K	SH	$12.15M 3.90%	16.28K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EMR MKT ETF	208.67K	SH	$11.31M 3.63%	208.67K
J P MORGAN EXCHANGE TRADED FSOLE	ACTIVE GROWTH	96.88K	SH	$9.08M 2.92%	96.88K
ISHARES TRSOLE	0-5 YR TIPS ETF	81K	SH	$8.37M 2.69%	81K
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQUITY	232.17K	SH	$7.61M 2.44%	232.17K
VANGUARD WORLD FDSOLE	FINANCIALS ETF	43.58K	SH	$5.72M 1.84%	43.58K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	7.63K	SH	$4.67M 1.50%	7.63K
WORLD GOLD TRSOLE	SPDR GLD MINIS	57.77K	SH	$4.42M 1.42%	57.77K
SPDR SERIES TRUSTSOLE	PRTFLO S&P500 VL	74.23K	SH	$4.11M 1.32%	74.23K
DIMENSIONAL ETF TRUSTSOLE	EMGR CRE EQT MNG	127.11K	SH	$4.01M 1.29%	127.11K
VANGUARD WORLD FDSOLE	COMM SRVC ETF	21.27K	SH	$3.99M 1.28%	21.27K
SCHWAB STRATEGIC TRSOLE	US LRG CAP ETF	136.43K	SH	$3.59M 1.15%	136.43K
INVESCO EXCHANGE TRADED FD TSOLE	S&P MDCP QUALITY	33.71K	SH	$3.54M 1.14%	33.71K
FIDELITY COVINGTON TRUSTSOLE	MSCI CONSM DIS	33.33K	SH	$3.43M 1.10%	33.33K
VANGUARD WORLD FDSOLE	HEALTH CAR ETF	13.10K	SH	$3.40M 1.09%	13.10K
ISHARES TRSOLE	CORE MSCI TOTAL	37.05K	SH	$3.06M 0.98%	37.05K
APPLE INCSOLE	COM	11.47K	SH	$2.92M 0.94%	11.47K
FIDELITY COVINGTON TRUSTSOLE	MSCI INDL INDX	34.62K	SH	$2.84M 0.91%	34.62K
ISHARES TRSOLE	US CONSM STAPLES	39.42K	SH	$2.70M 0.87%	39.42K
ISHARES INCSOLE	MSCI JPN ETF NEW	30.55K	SH	$2.45M 0.79%	30.55K
PACER FDS TRSOLE	US CASH COWS 100	40.51K	SH	$2.33M 0.75%	40.51K

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