SUMMIT FINANCIAL STRATEGIES, INC.

Filed: 7/17/2025ACC: 0001172661-25-002643

📋 What this filing means

SUMMIT FINANCIAL STRATEGIES, INC. filed this quarterly 13F‑HR report disclosing 155 equity positions with a total reported market value of $1.08B. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

155

Positions

$1.08B

Total AUM (reported)

22.87M

Total Shares

Allocation by class

INTL CORE EQUITY$119.47M11.1%

COM$116.17M10.8%

CORE PLUS BD ETF$101.11M9.4%

TOTAL BD ETF$89.13M8.2%

US BRD MKT ETF$88.10M8.2%

CORE S&P500 ETF$85.19M7.9%

AVANTIS EMGMKT$59.53M5.5%

Portfolio Concentration

Top 3$309.72M28.7%

4–10$431.58M39.9%

11–25$218.51M20.2%

Rest$120.73M11.2%

Top 3 weight

28.7%

Top 10 weight

68.6%

Voting Authority Distribution

Total shares with voting rights: 22.87M

Sole

Full voting authority

9.62K

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

22.86M

% of voting shares100.0%

Investment Discretion (by position count)

Sole155

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings155

Rows:

DIMENSIONAL ETF TRUST

SOLE

INTL CORE EQUITY

Shares3.84M

TypeSH

Market value$119.47M

11.06%

Sole

2.02K

Shared

0.00

None

3.84M

J P MORGAN EXCHANGE TRADED F

SOLE

CORE PLUS BD ETF

Shares2.15M

TypeSH

Market value$101.11M

9.36%

Sole

506.00

Shared

0.00

None

2.15M

FIDELITY MERRIMACK STR TR

SOLE

TOTAL BD ETF

Shares1.95M

TypeSH

Market value$89.13M

8.25%

Sole

525.00

Shared

0.00

None

1.95M

SCHWAB STRATEGIC TR

SOLE

US BRD MKT ETF

Shares3.70M

TypeSH

Market value$88.10M

8.15%

Sole

1.75K

Shared

0.00

None

3.70M

ISHARES TR

SOLE

CORE S&P500 ETF

Shares137.21K

TypeSH

Market value$85.19M

7.88%

Sole

85.00

Shared

0.00

None

137.12K

AMERICAN CENTY ETF TR

SOLE

AVANTIS EMGMKT

Shares868.54K

TypeSH

Market value$59.53M

5.51%

Sole

381.00

Shared

0.00

None

868.16K

DIMENSIONAL ETF TRUST

SOLE

US LARGE CAP VAL

Shares1.91M

TypeSH

Market value$59.35M

5.49%

Sole

1.90K

Shared

0.00

None

1.91M

SCHWAB STRATEGIC TR

SOLE

US MID-CAP ETF

Shares1.81M

TypeSH

Market value$50.86M

4.71%

Sole

657.00

Shared

0.00

None

1.81M

PACKAGING CORP AMER

SOLE

COM

Shares243.15K

TypeSH

Market value$45.82M

4.24%

Sole

0.00

Shared

0.00

None

243.15K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares688.84K

TypeSH

Market value$42.72M

3.95%

Sole

394.00

Shared

0.00

None

688.45K

VANGUARD INDEX FDS

SOLE

SML CP GRW ETF

Shares139.51K

TypeSH

Market value$38.64M

3.58%

Sole

40.00

Shared

0.00

None

139.47K

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares241.01K

TypeSH

Market value$26.34M

2.44%

Sole

130.00

Shared

0.00

None

240.88K

SCHWAB STRATEGIC TR

SOLE

US SML CAP ETF

Shares1.03M

TypeSH

Market value$26.07M

2.41%

Sole

430.00

Shared

0.00

None

1.03M

DIMENSIONAL ETF TRUST

SOLE

GLOBAL REAL EST

Shares831.16K

TypeSH

Market value$22.30M

2.06%

Sole

408.00

Shared

0.00

None

830.75K

DIMENSIONAL ETF TRUST

SOLE

US TARGETED VLU

Shares371.60K

TypeSH

Market value$20.05M

1.86%

Sole

400.00

Shared

0.00

None

371.20K

APPLE INC

SOLE

COM

Shares69.47K

TypeSH

Market value$14.25M

1.32%

Sole

0.00

Shared

0.00

None

69.47K

BERKSHIRE HATHAWAY INC DEL

SOLE

CL B NEW

Shares26.39K

TypeSH

Market value$12.82M

1.19%

Sole

0.00

Shared

0.00

None

26.39K

SCHWAB STRATEGIC TR

SOLE

US AGGREGATE B

Shares478.74K

TypeSH

Market value$11.13M

1.03%

Sole

0.00

Shared

0.00

None

478.74K

MICROSOFT CORP

SOLE

COM

Shares21.36K

TypeSH

Market value$10.62M

0.98%

Sole

0.00

Shared

0.00

None

21.36K

WALMART INC

SOLE

COM

Shares84.38K

TypeSH

Market value$8.25M

0.76%

Sole

0.00

Shared

0.00

None

84.38K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares14.18K

TypeSH

Market value$8.05M

0.75%

Sole

0.00

Shared

0.00

None

14.18K

SCHWAB STRATEGIC TR

SOLE

INTL EQTY ETF

Shares272.76K

TypeSH

Market value$6.03M

0.56%

Sole

0.00

Shared

0.00

None

272.76K

ISHARES TR

SOLE

MSCI EAFE ETF

Shares56.51K

TypeSH

Market value$5.05M

0.47%

Sole

0.00

Shared

0.00

None

56.51K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares78.60K

TypeSH

Market value$4.48M

0.41%

Sole

0.00

Shared

0.00

None

78.60K

ISHARES TR

SOLE

RUS 1000 ETF

Shares13.05K

TypeSH

Market value$4.43M

0.41%

Sole

0.00

Shared

0.00

None

13.05K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQUITY	3.84M	SH	$119.47M 11.06%	2.02K	3.84M
J P MORGAN EXCHANGE TRADED FSOLE	CORE PLUS BD ETF	2.15M	SH	$101.11M 9.36%	506.00	2.15M
FIDELITY MERRIMACK STR TRSOLE	TOTAL BD ETF	1.95M	SH	$89.13M 8.25%	525.00	1.95M
SCHWAB STRATEGIC TRSOLE	US BRD MKT ETF	3.70M	SH	$88.10M 8.15%	1.75K	3.70M
ISHARES TRSOLE	CORE S&P500 ETF	137.21K	SH	$85.19M 7.88%	85.00	137.12K
AMERICAN CENTY ETF TRSOLE	AVANTIS EMGMKT	868.54K	SH	$59.53M 5.51%	381.00	868.16K
DIMENSIONAL ETF TRUSTSOLE	US LARGE CAP VAL	1.91M	SH	$59.35M 5.49%	1.90K	1.91M
SCHWAB STRATEGIC TRSOLE	US MID-CAP ETF	1.81M	SH	$50.86M 4.71%	657.00	1.81M
PACKAGING CORP AMERSOLE	COM	243.15K	SH	$45.82M 4.24%	0.00	243.15K
ISHARES TRSOLE	CORE S&P MCP ETF	688.84K	SH	$42.72M 3.95%	394.00	688.45K
VANGUARD INDEX FDSSOLE	SML CP GRW ETF	139.51K	SH	$38.64M 3.58%	40.00	139.47K
ISHARES TRSOLE	CORE S&P SCP ETF	241.01K	SH	$26.34M 2.44%	130.00	240.88K
SCHWAB STRATEGIC TRSOLE	US SML CAP ETF	1.03M	SH	$26.07M 2.41%	430.00	1.03M
DIMENSIONAL ETF TRUSTSOLE	GLOBAL REAL EST	831.16K	SH	$22.30M 2.06%	408.00	830.75K
DIMENSIONAL ETF TRUSTSOLE	US TARGETED VLU	371.60K	SH	$20.05M 1.86%	400.00	371.20K
APPLE INCSOLE	COM	69.47K	SH	$14.25M 1.32%	0.00	69.47K
BERKSHIRE HATHAWAY INC DELSOLE	CL B NEW	26.39K	SH	$12.82M 1.19%	0.00	26.39K
SCHWAB STRATEGIC TRSOLE	US AGGREGATE B	478.74K	SH	$11.13M 1.03%	0.00	478.74K
MICROSOFT CORPSOLE	COM	21.36K	SH	$10.62M 0.98%	0.00	21.36K
WALMART INCSOLE	COM	84.38K	SH	$8.25M 0.76%	0.00	84.38K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	14.18K	SH	$8.05M 0.75%	0.00	14.18K
SCHWAB STRATEGIC TRSOLE	INTL EQTY ETF	272.76K	SH	$6.03M 0.56%	0.00	272.76K
ISHARES TRSOLE	MSCI EAFE ETF	56.51K	SH	$5.05M 0.47%	0.00	56.51K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	78.60K	SH	$4.48M 0.41%	0.00	78.60K
ISHARES TRSOLE	RUS 1000 ETF	13.05K	SH	$4.43M 0.41%	0.00	13.05K

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