SUMMIT FINANCIAL STRATEGIES, INC.

Filed: 10/22/2025ACC: 0001172661-25-004368

📋 What this filing means

SUMMIT FINANCIAL STRATEGIES, INC. filed this quarterly 13F‑HR report disclosing 158 equity positions with a total reported market value of $1.17B. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

158

Positions

$1.17B

Total AUM (reported)

23.05M

Total Shares

Allocation by class

COM$129.14M11.1%

INTL CORE EQUITY$126.09M10.8%

CORE PLUS BD ETF$108.39M9.3%

CORE S&P500 ETF$95.14M8.2%

TOTAL BD ETF$92.72M7.9%

US BRD MKT ETF$91.07M7.8%

US LARGE CAP VAL$66.04M5.7%

Portfolio Concentration

Top 3$329.63M28.3%

4–10$467.68M40.1%

11–25$238.80M20.5%

Rest$130.42M11.2%

Top 3 weight

28.3%

Top 10 weight

68.3%

Voting Authority Distribution

Total shares with voting rights: 23.05M

Sole

Full voting authority

9.76K

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

23.04M

% of voting shares100.0%

Investment Discretion (by position count)

Sole158

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings158

Rows:

DIMENSIONAL ETF TRUST

SOLE

INTL CORE EQUITY

Shares3.85M

TypeSH

Market value$126.09M

10.81%

Sole

2.02K

Shared

0.00

None

3.84M

J P MORGAN EXCHANGE TRADED F

SOLE

CORE PLUS BD ETF

Shares2.28M

TypeSH

Market value$108.39M

9.29%

Sole

556.00

Shared

0.00

None

2.28M

ISHARES TR

SOLE

CORE S&P500 ETF

Shares142.16K

TypeSH

Market value$95.14M

8.16%

Sole

85.00

Shared

0.00

None

142.07K

FIDELITY MERRIMACK STR TR

SOLE

TOTAL BD ETF

Shares2.01M

TypeSH

Market value$92.72M

7.95%

Sole

576.00

Shared

0.00

None

SCHWAB STRATEGIC TR

SOLE

US BRD MKT ETF

Shares3.54M

TypeSH

Market value$91.07M

7.81%

Sole

1.75K

Shared

0.00

None

3.54M

DIMENSIONAL ETF TRUST

SOLE

US LARGE CAP VAL

Shares2.01M

TypeSH

Market value$66.04M

5.66%

Sole

1.94K

Shared

0.00

None

2.01M

AMERICAN CENTY ETF TR

SOLE

AVANTIS EMGMKT

Shares859.98K

TypeSH

Market value$64.59M

5.54%

Sole

381.00

Shared

0.00

None

859.60K

PACKAGING CORP AMER

SOLE

COM

Shares243.15K

TypeSH

Market value$52.99M

4.54%

Sole

0.00

Shared

0.00

None

243.15K

SCHWAB STRATEGIC TR

SOLE

US MID-CAP ETF

Shares1.72M

TypeSH

Market value$51.07M

4.38%

Sole

657.00

Shared

0.00

None

1.72M

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares753.82K

TypeSH

Market value$49.19M

4.22%

Sole

394.00

Shared

0.00

None

753.42K

VANGUARD INDEX FDS

SOLE

SML CP GRW ETF

Shares140.06K

TypeSH

Market value$41.69M

3.57%

Sole

40.00

Shared

0.00

None

140.02K

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares257.16K

TypeSH

Market value$30.56M

2.62%

Sole

130.00

Shared

0.00

None

257.03K

SCHWAB STRATEGIC TR

SOLE

US SML CAP ETF

Shares998.80K

TypeSH

Market value$27.87M

2.39%

Sole

430.00

Shared

0.00

None

998.37K

DIMENSIONAL ETF TRUST

SOLE

GLOBAL REAL EST

Shares869.36K

TypeSH

Market value$23.74M

2.04%

Sole

408.00

Shared

0.00

None

868.95K

DIMENSIONAL ETF TRUST

SOLE

US TARGETED VLU

Shares387.66K

TypeSH

Market value$22.57M

1.93%

Sole

400.00

Shared

0.00

None

387.26K

APPLE INC

SOLE

COM

Shares68.38K

TypeSH

Market value$17.41M

1.49%

Sole

0.00

Shared

0.00

None

68.38K

BERKSHIRE HATHAWAY INC DEL

SOLE

CL B NEW

Shares26.41K

TypeSH

Market value$13.28M

1.14%

Sole

0.00

Shared

0.00

None

26.41K

MICROSOFT CORP

SOLE

COM

Shares21.44K

TypeSH

Market value$11.11M

0.95%

Sole

0.00

Shared

0.00

None

21.44K

SCHWAB STRATEGIC TR

SOLE

US AGGREGATE B

Shares465.28K

TypeSH

Market value$10.92M

0.94%

Sole

0.00

Shared

0.00

None

465.28K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares14.47K

TypeSH

Market value$8.86M

0.76%

Sole

0.00

Shared

0.00

None

14.47K

WALMART INC

SOLE

COM

Shares83.69K

TypeSH

Market value$8.62M

0.74%

Sole

0.00

Shared

0.00

None

83.69K

SCHWAB STRATEGIC TR

SOLE

INTL EQTY ETF

Shares267.96K

TypeSH

Market value$6.24M

0.53%

Sole

0.00

Shared

0.00

None

267.96K

J P MORGAN EXCHANGE TRADED F

SOLE

MUNICIPAL ETF

Shares119.85K

TypeSH

Market value$6.05M

0.52%

Sole

0.00

Shared

0.00

None

119.85K

ISHARES TR

SOLE

MSCI EAFE ETF

Shares55.56K

TypeSH

Market value$5.19M

0.44%

Sole

0.00

Shared

0.00

None

55.56K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares78.48K

TypeSH

Market value$4.70M

0.40%

Sole

0.00

Shared

0.00

None

78.48K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQUITY	3.85M	SH	$126.09M 10.81%	2.02K	3.84M
J P MORGAN EXCHANGE TRADED FSOLE	CORE PLUS BD ETF	2.28M	SH	$108.39M 9.29%	556.00	2.28M
ISHARES TRSOLE	CORE S&P500 ETF	142.16K	SH	$95.14M 8.16%	85.00	142.07K
FIDELITY MERRIMACK STR TRSOLE	TOTAL BD ETF	2.01M	SH	$92.72M 7.95%	576.00	2M
SCHWAB STRATEGIC TRSOLE	US BRD MKT ETF	3.54M	SH	$91.07M 7.81%	1.75K	3.54M
DIMENSIONAL ETF TRUSTSOLE	US LARGE CAP VAL	2.01M	SH	$66.04M 5.66%	1.94K	2.01M
AMERICAN CENTY ETF TRSOLE	AVANTIS EMGMKT	859.98K	SH	$64.59M 5.54%	381.00	859.60K
PACKAGING CORP AMERSOLE	COM	243.15K	SH	$52.99M 4.54%	0.00	243.15K
SCHWAB STRATEGIC TRSOLE	US MID-CAP ETF	1.72M	SH	$51.07M 4.38%	657.00	1.72M
ISHARES TRSOLE	CORE S&P MCP ETF	753.82K	SH	$49.19M 4.22%	394.00	753.42K
VANGUARD INDEX FDSSOLE	SML CP GRW ETF	140.06K	SH	$41.69M 3.57%	40.00	140.02K
ISHARES TRSOLE	CORE S&P SCP ETF	257.16K	SH	$30.56M 2.62%	130.00	257.03K
SCHWAB STRATEGIC TRSOLE	US SML CAP ETF	998.80K	SH	$27.87M 2.39%	430.00	998.37K
DIMENSIONAL ETF TRUSTSOLE	GLOBAL REAL EST	869.36K	SH	$23.74M 2.04%	408.00	868.95K
DIMENSIONAL ETF TRUSTSOLE	US TARGETED VLU	387.66K	SH	$22.57M 1.93%	400.00	387.26K
APPLE INCSOLE	COM	68.38K	SH	$17.41M 1.49%	0.00	68.38K
BERKSHIRE HATHAWAY INC DELSOLE	CL B NEW	26.41K	SH	$13.28M 1.14%	0.00	26.41K
MICROSOFT CORPSOLE	COM	21.44K	SH	$11.11M 0.95%	0.00	21.44K
SCHWAB STRATEGIC TRSOLE	US AGGREGATE B	465.28K	SH	$10.92M 0.94%	0.00	465.28K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	14.47K	SH	$8.86M 0.76%	0.00	14.47K
WALMART INCSOLE	COM	83.69K	SH	$8.62M 0.74%	0.00	83.69K
SCHWAB STRATEGIC TRSOLE	INTL EQTY ETF	267.96K	SH	$6.24M 0.53%	0.00	267.96K
J P MORGAN EXCHANGE TRADED FSOLE	MUNICIPAL ETF	119.85K	SH	$6.05M 0.52%	0.00	119.85K
ISHARES TRSOLE	MSCI EAFE ETF	55.56K	SH	$5.19M 0.44%	0.00	55.56K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	78.48K	SH	$4.70M 0.40%	0.00	78.48K

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