SUMMIT FINANCIAL STRATEGIES, INC.

Filed: 1/22/2025ACC: 0001172661-25-000296

📋 What this filing means

SUMMIT FINANCIAL STRATEGIES, INC. filed this quarterly 13F‑HR report disclosing 148 equity positions with a total reported market value of $906.03M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

148

Positions

$906.03M

Total AUM (reported)

20.49M

Total Shares

Allocation by class

COM$119.14M13.1%

INTL CORE EQUITY$98.38M10.9%

US BRD MKT ETF$92.00M10.2%

TOTAL BD ETF$77.96M8.6%

CORE S&P500 ETF$76.64M8.5%

US MID-CAP ETF$53.76M5.9%

US LARGE CAP VAL$50.42M5.6%

Portfolio Concentration

Top 3$268.34M29.6%

4–10$355.54M39.2%

11–25$177.54M19.6%

Rest$104.61M11.5%

Top 3 weight

29.6%

Top 10 weight

68.9%

Voting Authority Distribution

Total shares with voting rights: 20.49M

Sole

Full voting authority

5.48K

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

20.49M

% of voting shares100.0%

Investment Discretion (by position count)

Sole148

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings148

Rows:

DIMENSIONAL ETF TRUST

SOLE

INTL CORE EQUITY

Shares3.81M

TypeSH

Market value$98.38M

10.86%

Sole

916.00

Shared

0.00

None

3.81M

SCHWAB STRATEGIC TR

SOLE

US BRD MKT ETF

Shares4.05M

TypeSH

Market value$92.00M

10.15%

Sole

1.75K

Shared

0.00

None

4.05M

FIDELITY MERRIMACK STR TR

SOLE

TOTAL BD ETF

Shares1.74M

TypeSH

Market value$77.96M

8.60%

Sole

193.00

Shared

0.00

None

1.74M

ISHARES TR

SOLE

CORE S&P500 ETF

Shares130.18K

TypeSH

Market value$76.64M

8.46%

Sole

0.00

Shared

0.00

None

130.18K

SCHWAB STRATEGIC TR

SOLE

US MID-CAP ETF

Shares1.94M

TypeSH

Market value$53.76M

5.93%

Sole

657.00

Shared

0.00

None

1.94M

DIMENSIONAL ETF TRUST

SOLE

US LARGE CAP VAL

Shares1.68M

TypeSH

Market value$50.42M

5.57%

Sole

834.00

Shared

0.00

None

1.68M

AMERICAN CENTY ETF TR

SOLE

AVANTIS EMGMKT

Shares844.48K

TypeSH

Market value$49.65M

5.48%

Sole

166.00

Shared

0.00

None

844.32K

PACKAGING CORP AMER

SOLE

COM

Shares214.76K

TypeSH

Market value$48.35M

5.34%

Sole

0.00

Shared

0.00

None

214.76K

VANGUARD INDEX FDS

SOLE

SML CP GRW ETF

Shares138.81K

TypeSH

Market value$38.87M

4.29%

Sole

23.00

Shared

0.00

None

138.78K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares607.55K

TypeSH

Market value$37.86M

4.18%

Sole

0.00

Shared

0.00

None

607.55K

SCHWAB STRATEGIC TR

SOLE

US SML CAP ETF

Shares1.09M

TypeSH

Market value$28.30M

3.12%

Sole

422.00

Shared

0.00

None

1.09M

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares197.52K

TypeSH

Market value$22.76M

2.51%

Sole

0.00

Shared

0.00

None

197.52K

DIMENSIONAL ETF TRUST

SOLE

GLOBAL REAL EST

Shares741.41K

TypeSH

Market value$18.94M

2.09%

Sole

294.00

Shared

0.00

None

741.11K

APPLE INC

SOLE

COM

Shares69.81K

TypeSH

Market value$17.48M

1.93%

Sole

0.00

Shared

0.00

None

69.81K

DIMENSIONAL ETF TRUST

SOLE

US TARGETED VLU

Shares312.23K

TypeSH

Market value$17.38M

1.92%

Sole

166.00

Shared

0.00

None

312.07K

BERKSHIRE HATHAWAY INC DEL

SOLE

CL B NEW

Shares29.78K

TypeSH

Market value$13.50M

1.49%

Sole

0.00

Shared

0.00

None

29.78K

SCHWAB STRATEGIC TR

SOLE

US AGGREGATE B

Shares488.46K

TypeSH

Market value$11.09M

1.22%

Sole

0.00

Shared

0.00

None

488.46K

MICROSOFT CORP

SOLE

COM

Shares24.87K

TypeSH

Market value$10.48M

1.16%

Sole

0.00

Shared

0.00

None

24.87K

WALMART INC

SOLE

COM

Shares84.81K

TypeSH

Market value$7.66M

0.85%

Sole

0.00

Shared

0.00

None

84.81K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares11.91K

TypeSH

Market value$6.42M

0.71%

Sole

0.00

Shared

0.00

None

11.91K

SCHWAB STRATEGIC TR

SOLE

INTL EQTY ETF

Shares294.43K

TypeSH

Market value$5.45M

0.60%

Sole

0.00

Shared

0.00

None

294.43K

J P MORGAN EXCHANGE TRADED F

SOLE

CORE PLUS BD ETF

Shares102.79K

TypeSH

Market value$4.74M

0.52%

Sole

55.00

Shared

0.00

None

102.74K

ISHARES TR

SOLE

MSCI EAFE ETF

Shares61.41K

TypeSH

Market value$4.64M

0.51%

Sole

0.00

Shared

0.00

None

61.41K

J P MORGAN EXCHANGE TRADED F

SOLE

MUNICIPAL ETF

Shares86.96K

TypeSH

Market value$4.36M

0.48%

Sole

0.00

Shared

0.00

None

86.96K

TESLA INC

SOLE

COM

Shares10.77K

TypeSH

Market value$4.35M

0.48%

Sole

0.00

Shared

0.00

None

10.77K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQUITY	3.81M	SH	$98.38M 10.86%	916.00	3.81M
SCHWAB STRATEGIC TRSOLE	US BRD MKT ETF	4.05M	SH	$92.00M 10.15%	1.75K	4.05M
FIDELITY MERRIMACK STR TRSOLE	TOTAL BD ETF	1.74M	SH	$77.96M 8.60%	193.00	1.74M
ISHARES TRSOLE	CORE S&P500 ETF	130.18K	SH	$76.64M 8.46%	0.00	130.18K
SCHWAB STRATEGIC TRSOLE	US MID-CAP ETF	1.94M	SH	$53.76M 5.93%	657.00	1.94M
DIMENSIONAL ETF TRUSTSOLE	US LARGE CAP VAL	1.68M	SH	$50.42M 5.57%	834.00	1.68M
AMERICAN CENTY ETF TRSOLE	AVANTIS EMGMKT	844.48K	SH	$49.65M 5.48%	166.00	844.32K
PACKAGING CORP AMERSOLE	COM	214.76K	SH	$48.35M 5.34%	0.00	214.76K
VANGUARD INDEX FDSSOLE	SML CP GRW ETF	138.81K	SH	$38.87M 4.29%	23.00	138.78K
ISHARES TRSOLE	CORE S&P MCP ETF	607.55K	SH	$37.86M 4.18%	0.00	607.55K
SCHWAB STRATEGIC TRSOLE	US SML CAP ETF	1.09M	SH	$28.30M 3.12%	422.00	1.09M
ISHARES TRSOLE	CORE S&P SCP ETF	197.52K	SH	$22.76M 2.51%	0.00	197.52K
DIMENSIONAL ETF TRUSTSOLE	GLOBAL REAL EST	741.41K	SH	$18.94M 2.09%	294.00	741.11K
APPLE INCSOLE	COM	69.81K	SH	$17.48M 1.93%	0.00	69.81K
DIMENSIONAL ETF TRUSTSOLE	US TARGETED VLU	312.23K	SH	$17.38M 1.92%	166.00	312.07K
BERKSHIRE HATHAWAY INC DELSOLE	CL B NEW	29.78K	SH	$13.50M 1.49%	0.00	29.78K
SCHWAB STRATEGIC TRSOLE	US AGGREGATE B	488.46K	SH	$11.09M 1.22%	0.00	488.46K
MICROSOFT CORPSOLE	COM	24.87K	SH	$10.48M 1.16%	0.00	24.87K
WALMART INCSOLE	COM	84.81K	SH	$7.66M 0.85%	0.00	84.81K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	11.91K	SH	$6.42M 0.71%	0.00	11.91K
SCHWAB STRATEGIC TRSOLE	INTL EQTY ETF	294.43K	SH	$5.45M 0.60%	0.00	294.43K
J P MORGAN EXCHANGE TRADED FSOLE	CORE PLUS BD ETF	102.79K	SH	$4.74M 0.52%	55.00	102.74K
ISHARES TRSOLE	MSCI EAFE ETF	61.41K	SH	$4.64M 0.51%	0.00	61.41K
J P MORGAN EXCHANGE TRADED FSOLE	MUNICIPAL ETF	86.96K	SH	$4.36M 0.48%	0.00	86.96K
TESLA INCSOLE	COM	10.77K	SH	$4.35M 0.48%	0.00	10.77K

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