SUMMIT FINANCIAL STRATEGIES, INC.

Filed: 5/12/2025ACC: 0001172661-25-001645

📋 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 $991.51M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

148

Positions

$991.51M

Total AUM (reported)

22.59M

Total Shares

Allocation by class

COM$110.88M11.2%

INTL CORE EQUITY$107.95M10.9%

CORE PLUS BD ETF$90.65M9.1%

TOTAL BD ETF$86.35M8.7%

US BRD MKT ETF$83.59M8.4%

CORE S&P500 ETF$74.28M7.5%

US LARGE CAP VAL$55.54M5.6%

Portfolio Concentration

Top 3$284.95M28.7%

4–10$397.55M40.1%

11–25$201.98M20.4%

Rest$107.03M10.8%

Top 3 weight

28.7%

Top 10 weight

68.8%

Voting Authority Distribution

Total shares with voting rights: 22.59M

Sole

Full voting authority

9.37K

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

22.58M

% 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

Shares3.89M

TypeSH

Market value$107.95M

10.89%

Sole

2.02K

Shared

0.00

None

3.89M

J P MORGAN EXCHANGE TRADED F

SOLE

CORE PLUS BD ETF

Shares1.93M

TypeSH

Market value$90.65M

9.14%

Sole

506.00

Shared

0.00

None

1.93M

FIDELITY MERRIMACK STR TR

SOLE

TOTAL BD ETF

Shares1.89M

TypeSH

Market value$86.35M

8.71%

Sole

525.00

Shared

0.00

None

1.89M

SCHWAB STRATEGIC TR

SOLE

US BRD MKT ETF

Shares3.88M

TypeSH

Market value$83.59M

8.43%

Sole

1.75K

Shared

0.00

None

3.88M

ISHARES TR

SOLE

CORE S&P500 ETF

Shares132.20K

TypeSH

Market value$74.28M

7.49%

Sole

78.00

Shared

0.00

None

132.12K

DIMENSIONAL ETF TRUST

SOLE

US LARGE CAP VAL

Shares1.82M

TypeSH

Market value$55.54M

5.60%

Sole

1.78K

Shared

0.00

None

1.82M

AMERICAN CENTY ETF TR

SOLE

AVANTIS EMGMKT

Shares867.24K

TypeSH

Market value$52.18M

5.26%

Sole

381.00

Shared

0.00

None

866.86K

SCHWAB STRATEGIC TR

SOLE

US MID-CAP ETF

Shares1.89M

TypeSH

Market value$49.43M

4.99%

Sole

657.00

Shared

0.00

None

1.89M

PACKAGING CORP AMER

SOLE

COM

Shares230.62K

TypeSH

Market value$45.67M

4.61%

Sole

0.00

Shared

0.00

None

230.62K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares631.69K

TypeSH

Market value$36.86M

3.72%

Sole

341.00

Shared

0.00

None

631.35K

VANGUARD INDEX FDS

SOLE

SML CP GRW ETF

Shares136.29K

TypeSH

Market value$34.31M

3.46%

Sole

33.00

Shared

0.00

None

136.26K

SCHWAB STRATEGIC TR

SOLE

US SML CAP ETF

Shares1.06M

TypeSH

Market value$24.78M

2.50%

Sole

422.00

Shared

0.00

None

1.06M

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares211.54K

TypeSH

Market value$22.12M

2.23%

Sole

118.00

Shared

0.00

None

211.42K

DIMENSIONAL ETF TRUST

SOLE

GLOBAL REAL EST

Shares807.99K

TypeSH

Market value$21.22M

2.14%

Sole

408.00

Shared

0.00

None

807.58K

DIMENSIONAL ETF TRUST

SOLE

US TARGETED VLU

Shares327.02K

TypeSH

Market value$16.84M

1.70%

Sole

358.00

Shared

0.00

None

326.66K

APPLE INC

SOLE

COM

Shares69.66K

TypeSH

Market value$15.47M

1.56%

Sole

0.00

Shared

0.00

None

69.66K

BERKSHIRE HATHAWAY INC DEL

SOLE

CL B NEW

Shares26.50K

TypeSH

Market value$14.11M

1.42%

Sole

0.00

Shared

0.00

None

26.50K

SCHWAB STRATEGIC TR

SOLE

US AGGREGATE B

Shares493.78K

TypeSH

Market value$11.44M

1.15%

Sole

0.00

Shared

0.00

None

493.78K

MICROSOFT CORP

SOLE

COM

Shares21.72K

TypeSH

Market value$8.15M

0.82%

Sole

0.00

Shared

0.00

None

21.72K

WALMART INC

SOLE

COM

Shares84.54K

TypeSH

Market value$7.42M

0.75%

Sole

0.00

Shared

0.00

None

84.54K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares12.77K

TypeSH

Market value$6.56M

0.66%

Sole

0.00

Shared

0.00

None

12.77K

SCHWAB STRATEGIC TR

SOLE

INTL EQTY ETF

Shares286.89K

TypeSH

Market value$5.67M

0.57%

Sole

0.00

Shared

0.00

None

286.89K

J P MORGAN EXCHANGE TRADED F

SOLE

MUNICIPAL ETF

Shares99.13K

TypeSH

Market value$4.96M

0.50%

Sole

0.00

Shared

0.00

None

99.13K

ISHARES TR

SOLE

MSCI EAFE ETF

Shares58.15K

TypeSH

Market value$4.75M

0.48%

Sole

0.00

Shared

0.00

None

58.15K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares82.11K

TypeSH

Market value$4.17M

0.42%

Sole

0.00

Shared

0.00

None

82.11K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQUITY	3.89M	SH	$107.95M 10.89%	2.02K	3.89M
J P MORGAN EXCHANGE TRADED FSOLE	CORE PLUS BD ETF	1.93M	SH	$90.65M 9.14%	506.00	1.93M
FIDELITY MERRIMACK STR TRSOLE	TOTAL BD ETF	1.89M	SH	$86.35M 8.71%	525.00	1.89M
SCHWAB STRATEGIC TRSOLE	US BRD MKT ETF	3.88M	SH	$83.59M 8.43%	1.75K	3.88M
ISHARES TRSOLE	CORE S&P500 ETF	132.20K	SH	$74.28M 7.49%	78.00	132.12K
DIMENSIONAL ETF TRUSTSOLE	US LARGE CAP VAL	1.82M	SH	$55.54M 5.60%	1.78K	1.82M
AMERICAN CENTY ETF TRSOLE	AVANTIS EMGMKT	867.24K	SH	$52.18M 5.26%	381.00	866.86K
SCHWAB STRATEGIC TRSOLE	US MID-CAP ETF	1.89M	SH	$49.43M 4.99%	657.00	1.89M
PACKAGING CORP AMERSOLE	COM	230.62K	SH	$45.67M 4.61%	0.00	230.62K
ISHARES TRSOLE	CORE S&P MCP ETF	631.69K	SH	$36.86M 3.72%	341.00	631.35K
VANGUARD INDEX FDSSOLE	SML CP GRW ETF	136.29K	SH	$34.31M 3.46%	33.00	136.26K
SCHWAB STRATEGIC TRSOLE	US SML CAP ETF	1.06M	SH	$24.78M 2.50%	422.00	1.06M
ISHARES TRSOLE	CORE S&P SCP ETF	211.54K	SH	$22.12M 2.23%	118.00	211.42K
DIMENSIONAL ETF TRUSTSOLE	GLOBAL REAL EST	807.99K	SH	$21.22M 2.14%	408.00	807.58K
DIMENSIONAL ETF TRUSTSOLE	US TARGETED VLU	327.02K	SH	$16.84M 1.70%	358.00	326.66K
APPLE INCSOLE	COM	69.66K	SH	$15.47M 1.56%	0.00	69.66K
BERKSHIRE HATHAWAY INC DELSOLE	CL B NEW	26.50K	SH	$14.11M 1.42%	0.00	26.50K
SCHWAB STRATEGIC TRSOLE	US AGGREGATE B	493.78K	SH	$11.44M 1.15%	0.00	493.78K
MICROSOFT CORPSOLE	COM	21.72K	SH	$8.15M 0.82%	0.00	21.72K
WALMART INCSOLE	COM	84.54K	SH	$7.42M 0.75%	0.00	84.54K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	12.77K	SH	$6.56M 0.66%	0.00	12.77K
SCHWAB STRATEGIC TRSOLE	INTL EQTY ETF	286.89K	SH	$5.67M 0.57%	0.00	286.89K
J P MORGAN EXCHANGE TRADED FSOLE	MUNICIPAL ETF	99.13K	SH	$4.96M 0.50%	0.00	99.13K
ISHARES TRSOLE	MSCI EAFE ETF	58.15K	SH	$4.75M 0.48%	0.00	58.15K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	82.11K	SH	$4.17M 0.42%	0.00	82.11K

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