Filed: 11/7/2025ACC: 0001906937-25-000002
📋 What this filing means
SILVER OAK ADVISORY GROUP, INC. filed this quarterly 13F‑HR report disclosing 77 equity positions with a total reported market value of $221.0K. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
77
Positions
$221.0K
Total AUM (reported)
3.60M
Total Shares
Allocation by class
TOTAL BND MRKT$43.5K19.7%
TOTAL INT BD ETF$24.4K11.0%
SHORT TRM BOND$16.5K7.5%
US CORE EQUITY 2$15.3K6.9%
WORLD EX US CORE$14.4K6.5%
COM$12.2K5.5%
TOTAL STK MKT$10.8K4.9%
Portfolio Concentration
Top 3$84.4K38.2%
4–10$71.9K32.5%
11–25$39.9K18.1%
Rest$24.9K11.3%
Top 3 weight
38.2%
Top 10 weight
70.7%
Voting Authority Distribution
Total shares with voting rights: 3.60M
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
3.60M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole77
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings77
Rows:
VANGUARD BD INDEX FDS
SOLEShares585.26K
TypeSH
Market value$43.5K
19.69%
Sole
0.00
Shared
0.00
None
585.26K
VANGUARD CHARLOTTE FDS
SOLEShares492.42K
TypeSH
Market value$24.4K
11.02%
Sole
0.00
Shared
0.00
None
492.42K
VANGUARD BD INDEX FDS
SOLEShares208.94K
TypeSH
Market value$16.5K
7.46%
Sole
0.00
Shared
0.00
None
208.94K
DIMENSIONAL ETF TRUST
SOLEShares397.90K
TypeSH
Market value$15.3K
6.94%
Sole
0.00
Shared
0.00
None
397.90K
DIMENSIONAL ETF TRUST
SOLEShares457.44K
TypeSH
Market value$14.4K
6.49%
Sole
0.00
Shared
0.00
None
457.44K
VANGUARD INDEX FDS
SOLEShares33.06K
TypeSH
Market value$10.8K
4.91%
Sole
0.00
Shared
0.00
None
33.06K
VANGUARD MUN BD FDS
SOLEShares193.17K
TypeSH
Market value$9.7K
4.38%
Sole
0.00
Shared
0.00
None
193.17K
VANGUARD ADMIRAL FDS INC
SOLEShares89.36K
TypeSH
Market value$8.5K
3.85%
Sole
0.00
Shared
0.00
None
89.36K
VANGUARD INDEX FDS
SOLEShares74.70K
TypeSH
Market value$6.8K
3.09%
Sole
0.00
Shared
0.00
None
74.70K
VANGUARD BD INDEX FDS
SOLEShares80.64K
TypeSH
Market value$6.3K
2.85%
Sole
0.00
Shared
0.00
None
80.64K
VANGUARD STAR FDS
SOLEShares82.23K
TypeSH
Market value$6.0K
2.73%
Sole
0.00
Shared
0.00
None
82.23K
VANGUARD MUN BD FDS
SOLEShares52.28K
TypeSH
Market value$5.2K
2.37%
Sole
0.00
Shared
0.00
None
52.28K
SCHWAB STRATEGIC TR
SOLEShares158.70K
TypeSH
Market value$4.1K
1.85%
Sole
0.00
Shared
0.00
None
158.70K
VANGUARD WORLD FD
SOLEShares43.93K
TypeSH
Market value$3.0K
1.38%
Sole
0.00
Shared
0.00
None
43.93K
MICROSOFT CORP
SOLEShares4.83K
TypeSH
Market value$2.5K
1.13%
Sole
0.00
Shared
0.00
None
4.83K
APPLE INC
SOLEShares9.52K
TypeSH
Market value$2.4K
1.10%
Sole
0.00
Shared
0.00
None
9.52K
NUSHARES ETF TR
SOLEShares107.19K
TypeSH
Market value$2.4K
1.09%
Sole
0.00
Shared
0.00
None
107.19K
VANGUARD MALVERN FDS
SOLEShares44.12K
TypeSH
Market value$2.2K
1.01%
Sole
0.00
Shared
0.00
None
44.12K
VANGUARD WELLINGTON FD
SOLEShares21.89K
TypeSH
Market value$2.2K
1.01%
Sole
0.00
Shared
0.00
None
21.89K
VANGUARD INTL EQUITY INDEX F
SOLEShares13.73K
TypeSH
Market value$1.9K
0.86%
Sole
0.00
Shared
0.00
None
13.73K
VANGUARD ADMIRAL FDS INC
SOLEShares16.83K
TypeSH
Market value$1.9K
0.84%
Sole
0.00
Shared
0.00
None
16.83K
DIMENSIONAL ETF TRUST
SOLEShares24.81K
TypeSH
Market value$1.8K
0.81%
Sole
0.00
Shared
0.00
None
24.81K
VANGUARD WORLD FD
SOLEShares13.41K
TypeSH
Market value$1.6K
0.72%
Sole
0.00
Shared
0.00
None
13.41K
VANGUARD INDEX FDS
SOLEShares4.28K
TypeSH
Market value$1.3K
0.60%
Sole
0.00
Shared
0.00
None
4.28K
VANGUARD SCOTTSDALE FDS
SOLEShares20.96K
TypeSH
Market value$1.3K
0.57%
Sole
0.00
Shared
0.00
None
20.96K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
VANGUARD BD INDEX FDSSOLE | TOTAL BND MRKT | 585.26K | SH | $43.5K 19.69% | 0.00 | 0.00 | 585.26K |
VANGUARD CHARLOTTE FDSSOLE | TOTAL INT BD ETF | 492.42K | SH | $24.4K 11.02% | 0.00 | 0.00 | 492.42K |
VANGUARD BD INDEX FDSSOLE | SHORT TRM BOND | 208.94K | SH | $16.5K 7.46% | 0.00 | 0.00 | 208.94K |
DIMENSIONAL ETF TRUSTSOLE | US CORE EQUITY 2 | 397.90K | SH | $15.3K 6.94% | 0.00 | 0.00 | 397.90K |
DIMENSIONAL ETF TRUSTSOLE | WORLD EX US CORE | 457.44K | SH | $14.4K 6.49% | 0.00 | 0.00 | 457.44K |
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 33.06K | SH | $10.8K 4.91% | 0.00 | 0.00 | 33.06K |
VANGUARD MUN BD FDSSOLE | TAX EXEMPT BD | 193.17K | SH | $9.7K 4.38% | 0.00 | 0.00 | 193.17K |
VANGUARD ADMIRAL FDS INCSOLE | SMLCP 600 VAL | 89.36K | SH | $8.5K 3.85% | 0.00 | 0.00 | 89.36K |
VANGUARD INDEX FDSSOLE | REAL ESTATE ETF | 74.70K | SH | $6.8K 3.09% | 0.00 | 0.00 | 74.70K |
VANGUARD BD INDEX FDSSOLE | INTERMED TERM | 80.64K | SH | $6.3K 2.85% | 0.00 | 0.00 | 80.64K |
VANGUARD STAR FDSSOLE | VG TL INTL STK F | 82.23K | SH | $6.0K 2.73% | 0.00 | 0.00 | 82.23K |
VANGUARD MUN BD FDSSOLE | INTERMEDIATE TRM | 52.28K | SH | $5.2K 2.37% | 0.00 | 0.00 | 52.28K |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 158.70K | SH | $4.1K 1.85% | 0.00 | 0.00 | 158.70K |
VANGUARD WORLD FDSOLE | ESG INTL STK ETF | 43.93K | SH | $3.0K 1.38% | 0.00 | 0.00 | 43.93K |
MICROSOFT CORPSOLE | COM | 4.83K | SH | $2.5K 1.13% | 0.00 | 0.00 | 4.83K |
APPLE INCSOLE | COM | 9.52K | SH | $2.4K 1.10% | 0.00 | 0.00 | 9.52K |
NUSHARES ETF TRSOLE | NUVEEN ESG US | 107.19K | SH | $2.4K 1.09% | 0.00 | 0.00 | 107.19K |
VANGUARD MALVERN FDSSOLE | STRM INFPROIDX | 44.12K | SH | $2.2K 1.01% | 0.00 | 0.00 | 44.12K |
VANGUARD WELLINGTON FDSOLE | SHORT TRM TAX EX | 21.89K | SH | $2.2K 1.01% | 0.00 | 0.00 | 21.89K |
VANGUARD INTL EQUITY INDEX FSOLE | TT WRLD ST ETF | 13.73K | SH | $1.9K 0.86% | 0.00 | 0.00 | 13.73K |
VANGUARD ADMIRAL FDS INCSOLE | SMLLCP 600 IDX | 16.83K | SH | $1.9K 0.84% | 0.00 | 0.00 | 16.83K |
DIMENSIONAL ETF TRUSTSOLE | US EQUITY MARKET | 24.81K | SH | $1.8K 0.81% | 0.00 | 0.00 | 24.81K |
VANGUARD WORLD FDSOLE | ESG US STK ETF | 13.41K | SH | $1.6K 0.72% | 0.00 | 0.00 | 13.41K |
VANGUARD INDEX FDSSOLE | LARGE CAP ETF | 4.28K | SH | $1.3K 0.60% | 0.00 | 0.00 | 4.28K |
VANGUARD SCOTTSDALE FDSSOLE | INTER TERM TREAS | 20.96K | SH | $1.3K 0.57% | 0.00 | 0.00 | 20.96K |
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