SUMMIT FINANCIAL STRATEGIES, INC.

Filed: 1/27/2026ACC: 0001172661-26-000321

📋 What this filing means

SUMMIT FINANCIAL STRATEGIES, INC. filed this quarterly 13F‑HR report disclosing 166 equity positions with a total reported market value of $1.22B. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

166

Positions

$1.22B

Total AUM (reported)

23.20M

Total Shares

Allocation by class

INTL CORE EQUITY$133.53M11.0%

COM$129.76M10.7%

CORE PLUS BD ETF$116.03M9.5%

CORE S&P500 ETF$101.20M8.3%

TOTAL BD ETF$96.26M7.9%

US BRD MKT ETF$83.49M6.9%

US LARGE CAP VAL$75.30M6.2%

Portfolio Concentration

Top 3$350.76M28.8%

4–10$474.06M39.0%

11–25$248.39M20.4%

Rest$143.65M11.8%

Top 3 weight

28.8%

Top 10 weight

67.8%

Voting Authority Distribution

Total shares with voting rights: 23.20M

Sole

Full voting authority

10.22K

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

23.18M

% of voting shares100.0%

Investment Discretion (by position count)

Sole166

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings166

Rows:

DIMENSIONAL ETF TRUST

SOLE

INTL CORE EQUITY

Shares3.87M

TypeSH

Market value$133.53M

10.97%

Sole

2.02K

Shared

0.00

None

3.87M

J P MORGAN EXCHANGE TRADED F

SOLE

CORE PLUS BD ETF

Shares2.45M

TypeSH

Market value$116.03M

9.54%

Sole

556.00

Shared

0.00

None

2.45M

ISHARES TR

SOLE

CORE S&P500 ETF

Shares147.75K

TypeSH

Market value$101.20M

8.32%

Sole

85.00

Shared

0.00

None

147.67K

FIDELITY MERRIMACK STR TR

SOLE

TOTAL BD ETF

Shares2.09M

TypeSH

Market value$96.26M

7.91%

Sole

603.00

Shared

0.00

None

2.09M

SCHWAB STRATEGIC TR

SOLE

US BRD MKT ETF

Shares3.18M

TypeSH

Market value$83.49M

6.86%

Sole

1.75K

Shared

0.00

None

3.18M

DIMENSIONAL ETF TRUST

SOLE

US LARGE CAP VAL

Shares2.20M

TypeSH

Market value$75.30M

6.19%

Sole

1.94K

Shared

0.00

None

2.20M

AMERICAN CENTY ETF TR

SOLE

AVANTIS EMGMKT

Shares856.41K

TypeSH

Market value$65.96M

5.42%

Sole

381.00

Shared

0.00

None

856.03K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares844.18K

TypeSH

Market value$55.72M

4.58%

Sole

413.00

Shared

0.00

None

843.76K

PACKAGING CORP AMER

SOLE

COM

Shares243.25K

TypeSH

Market value$50.17M

4.12%

Sole

0.00

Shared

0.00

None

243.25K

SCHWAB STRATEGIC TR

SOLE

US MID-CAP ETF

Shares1.57M

TypeSH

Market value$47.17M

3.88%

Sole

657.00

Shared

0.00

None

1.57M

VANGUARD INDEX FDS

SOLE

SML CP GRW ETF

Shares138.28K

TypeSH

Market value$41.77M

3.43%

Sole

40.00

Shared

0.00

None

138.24K

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares281.66K

TypeSH

Market value$33.85M

2.78%

Sole

130.00

Shared

0.00

None

281.53K

SCHWAB STRATEGIC TR

SOLE

US SML CAP ETF

Shares912.82K

TypeSH

Market value$26.00M

2.14%

Sole

430.00

Shared

0.00

None

912.39K

DIMENSIONAL ETF TRUST

SOLE

GLOBAL REAL EST

Shares957.43K

TypeSH

Market value$25.30M

2.08%

Sole

467.00

Shared

0.00

None

956.96K

DIMENSIONAL ETF TRUST

SOLE

US TARGETED VLU

Shares412.63K

TypeSH

Market value$24.57M

2.02%

Sole

400.00

Shared

0.00

None

412.23K

APPLE INC

SOLE

COM

Shares68.91K

TypeSH

Market value$18.73M

1.54%

Sole

0.00

Shared

0.00

None

68.91K

BERKSHIRE HATHAWAY INC DEL

SOLE

CL B NEW

Shares26.01K

TypeSH

Market value$13.07M

1.07%

Sole

0.00

Shared

0.00

None

26.01K

MICROSOFT CORP

SOLE

COM

Shares21.38K

TypeSH

Market value$10.34M

0.85%

Sole

0.00

Shared

0.00

None

21.38K

SCHWAB STRATEGIC TR

SOLE

US AGGREGATE B

Shares414.42K

TypeSH

Market value$9.69M

0.80%

Sole

0.00

Shared

0.00

None

414.42K

WALMART INC

SOLE

COM

Shares83.66K

TypeSH

Market value$9.32M

0.77%

Sole

0.00

Shared

0.00

None

83.66K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares14.82K

TypeSH

Market value$9.29M

0.76%

Sole

0.00

Shared

0.00

None

14.82K

VANGUARD SCOTTSDALE FDS

SOLE

VNG RUS1000GRW

Shares76.03K

TypeSH

Market value$9.26M

0.76%

Sole

348.00

Shared

0.00

None

75.68K

J P MORGAN EXCHANGE TRADED F

SOLE

MUNICIPAL ETF

Shares132.04K

TypeSH

Market value$6.67M

0.55%

Sole

0.00

Shared

0.00

None

132.04K

SCHWAB STRATEGIC TR

SOLE

INTL EQTY ETF

Shares224.68K

TypeSH

Market value$5.40M

0.44%

Sole

0.00

Shared

0.00

None

224.68K

ISHARES TR

SOLE

MSCI EAFE ETF

Shares53.43K

TypeSH

Market value$5.13M

0.42%

Sole

0.00

Shared

0.00

None

53.43K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQUITY	3.87M	SH	$133.53M 10.97%	2.02K	3.87M
J P MORGAN EXCHANGE TRADED FSOLE	CORE PLUS BD ETF	2.45M	SH	$116.03M 9.54%	556.00	2.45M
ISHARES TRSOLE	CORE S&P500 ETF	147.75K	SH	$101.20M 8.32%	85.00	147.67K
FIDELITY MERRIMACK STR TRSOLE	TOTAL BD ETF	2.09M	SH	$96.26M 7.91%	603.00	2.09M
SCHWAB STRATEGIC TRSOLE	US BRD MKT ETF	3.18M	SH	$83.49M 6.86%	1.75K	3.18M
DIMENSIONAL ETF TRUSTSOLE	US LARGE CAP VAL	2.20M	SH	$75.30M 6.19%	1.94K	2.20M
AMERICAN CENTY ETF TRSOLE	AVANTIS EMGMKT	856.41K	SH	$65.96M 5.42%	381.00	856.03K
ISHARES TRSOLE	CORE S&P MCP ETF	844.18K	SH	$55.72M 4.58%	413.00	843.76K
PACKAGING CORP AMERSOLE	COM	243.25K	SH	$50.17M 4.12%	0.00	243.25K
SCHWAB STRATEGIC TRSOLE	US MID-CAP ETF	1.57M	SH	$47.17M 3.88%	657.00	1.57M
VANGUARD INDEX FDSSOLE	SML CP GRW ETF	138.28K	SH	$41.77M 3.43%	40.00	138.24K
ISHARES TRSOLE	CORE S&P SCP ETF	281.66K	SH	$33.85M 2.78%	130.00	281.53K
SCHWAB STRATEGIC TRSOLE	US SML CAP ETF	912.82K	SH	$26.00M 2.14%	430.00	912.39K
DIMENSIONAL ETF TRUSTSOLE	GLOBAL REAL EST	957.43K	SH	$25.30M 2.08%	467.00	956.96K
DIMENSIONAL ETF TRUSTSOLE	US TARGETED VLU	412.63K	SH	$24.57M 2.02%	400.00	412.23K
APPLE INCSOLE	COM	68.91K	SH	$18.73M 1.54%	0.00	68.91K
BERKSHIRE HATHAWAY INC DELSOLE	CL B NEW	26.01K	SH	$13.07M 1.07%	0.00	26.01K
MICROSOFT CORPSOLE	COM	21.38K	SH	$10.34M 0.85%	0.00	21.38K
SCHWAB STRATEGIC TRSOLE	US AGGREGATE B	414.42K	SH	$9.69M 0.80%	0.00	414.42K
WALMART INCSOLE	COM	83.66K	SH	$9.32M 0.77%	0.00	83.66K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	14.82K	SH	$9.29M 0.76%	0.00	14.82K
VANGUARD SCOTTSDALE FDSSOLE	VNG RUS1000GRW	76.03K	SH	$9.26M 0.76%	348.00	75.68K
J P MORGAN EXCHANGE TRADED FSOLE	MUNICIPAL ETF	132.04K	SH	$6.67M 0.55%	0.00	132.04K
SCHWAB STRATEGIC TRSOLE	INTL EQTY ETF	224.68K	SH	$5.40M 0.44%	0.00	224.68K
ISHARES TRSOLE	MSCI EAFE ETF	53.43K	SH	$5.13M 0.42%	0.00	53.43K

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