TOWNELEY CAPITAL MANAGEMENT, INC / DE

Filed: 10/17/2025ACC: 0001172661-25-004322

📋 What this filing means

TOWNELEY CAPITAL MANAGEMENT, INC / DE filed this quarterly 13F‑HR report disclosing 38 equity positions with a total reported market value of $460.39M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$460.39M

Total AUM (reported)

6.73M

Total Shares

Allocation by class

TOTAL STK MKT$149.90M32.6%

VG TL INTL STK F$59.66M13.0%

LONG TERM GROWER$35.22M7.7%

INTER TERM TREAS$33.87M7.4%

HENDERSON MTG$26.92M5.8%

SHRT TRM CORP BD$25.81M5.6%

PHYSCL GOLD SHS$22.36M4.9%

Portfolio Concentration

Top 3$244.79M53.2%

4–10$156.67M34.0%

11–25$55.35M12.0%

Rest$3.59M0.8%

Top 3 weight

53.2%

Top 10 weight

87.2%

Voting Authority Distribution

Total shares with voting rights: 6.73M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

6.73M

% of voting shares100.0%

Investment Discretion (by position count)

Sole38

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings38

Rows:

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares456.79K

TypeSH

Market value$149.90M

32.56%

Sole

0.00

Shared

0.00

None

456.79K

VANGUARD STAR FDS

SOLE

VG TL INTL STK F

Shares812.16K

TypeSH

Market value$59.66M

12.96%

Sole

0.00

Shared

0.00

None

812.16K

HARBOR ETF TRUST

SOLE

LONG TERM GROWER

Shares1.13M

TypeSH

Market value$35.22M

7.65%

Sole

0.00

Shared

0.00

None

1.13M

VANGUARD SCOTTSDALE FDS

SOLE

INTER TERM TREAS

Shares564.29K

TypeSH

Market value$33.87M

7.36%

Sole

0.00

Shared

0.00

None

564.29K

JANUS DETROIT STR TR

SOLE

HENDERSON MTG

Shares589.40K

TypeSH

Market value$26.92M

5.85%

Sole

0.00

Shared

0.00

None

589.40K

VANGUARD SCOTTSDALE FDS

SOLE

SHRT TRM CORP BD

Shares322.94K

TypeSH

Market value$25.81M

5.61%

Sole

0.00

Shared

0.00

None

322.94K

ETFS GOLD TR

SOLE

PHYSCL GOLD SHS

Shares607.31K

TypeSH

Market value$22.36M

4.86%

Sole

0.00

Shared

0.00

None

607.31K

PUTNAM ETF TRUST

SOLE

FOCUSED LAR CAP

Shares426.10K

TypeSH

Market value$18.20M

3.95%

Sole

0.00

Shared

0.00

None

426.10K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares331.25K

TypeSH

Market value$16.59M

3.60%

Sole

0.00

Shared

0.00

None

331.25K

SCHWAB STRATEGIC TR

SOLE

SHT TM US TRES

Shares529.43K

TypeSH

Market value$12.92M

2.81%

Sole

0.00

Shared

0.00

None

529.43K

AMERICAN CENTY ETF TR

SOLE

US SML CP VALU

Shares93.79K

TypeSH

Market value$9.34M

2.03%

Sole

0.00

Shared

0.00

None

93.79K

DIMENSIONAL ETF TRUST

SOLE

EMGR CRE EQT MNG

Shares277.46K

TypeSH

Market value$8.75M

1.90%

Sole

0.00

Shared

0.00

None

277.46K

ABRDN PRECIOUS METALS BASKET

SOLE

PHYSCL PRECS MET

Shares48.74K

TypeSH

Market value$8.06M

1.75%

Sole

0.00

Shared

0.00

None

48.74K

ISHARES GOLD TR

SOLE

ISHARES NEW

Shares108.99K

TypeSH

Market value$7.93M

1.72%

Sole

0.00

Shared

0.00

None

108.99K

VANGUARD SCOTTSDALE FDS

SOLE

LONG TERM TREAS

Shares133.32K

TypeSH

Market value$7.58M

1.65%

Sole

0.00

Shared

0.00

None

133.32K

VANECK ETF TRUST

SOLE

FALLEN ANGEL HG

Shares130.58K

TypeSH

Market value$3.88M

0.84%

Sole

0.00

Shared

0.00

None

130.58K

SPDR GOLD TR

SOLE

GOLD SHS

Shares10.05K

TypeSH

Market value$3.57M

0.78%

Sole

0.00

Shared

0.00

None

10.05K

VANGUARD SCOTTSDALE FDS

SOLE

SHORT TERM TREAS

Shares20.84K

TypeSH

Market value$1.23M

0.27%

Sole

0.00

Shared

0.00

None

20.84K

CHEVRON CORP NEW

SOLE

COM

Shares7.81K

TypeSH

Market value$1.21M

0.26%

Sole

0.00

Shared

0.00

None

7.81K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares1.53K

TypeSH

Market value$1.03M

0.22%

Sole

0.00

Shared

0.00

None

1.53K

DIMENSIONAL ETF TRUST

SOLE

US EQUITY MARKET

Shares9.92K

TypeSH

Market value$718.9K

0.16%

Sole

0.00

Shared

0.00

None

9.92K

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares1.21K

TypeSH

Market value$578.8K

0.13%

Sole

0.00

Shared

0.00

None

1.21K

SPDR INDEX SHS FDS

SOLE

MSCI ACWI EXUS

Shares14.24K

TypeSH

Market value$497.3K

0.11%

Sole

0.00

Shared

0.00

None

14.24K

VANGUARD BD INDEX FDS

SOLE

TOTAL BND MRKT

Shares6.68K

TypeSH

Market value$497.2K

0.11%

Sole

0.00

Shared

0.00

None

6.68K

BERKSHIRE HATHAWAY INC DEL

SOLE

CL B NEW

Shares963.00

TypeSH

Market value$484.1K

0.11%

Sole

0.00

Shared

0.00

None

963.00

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	456.79K	SH	$149.90M 32.56%	456.79K
VANGUARD STAR FDSSOLE	VG TL INTL STK F	812.16K	SH	$59.66M 12.96%	812.16K
HARBOR ETF TRUSTSOLE	LONG TERM GROWER	1.13M	SH	$35.22M 7.65%	1.13M
VANGUARD SCOTTSDALE FDSSOLE	INTER TERM TREAS	564.29K	SH	$33.87M 7.36%	564.29K
JANUS DETROIT STR TRSOLE	HENDERSON MTG	589.40K	SH	$26.92M 5.85%	589.40K
VANGUARD SCOTTSDALE FDSSOLE	SHRT TRM CORP BD	322.94K	SH	$25.81M 5.61%	322.94K
ETFS GOLD TRSOLE	PHYSCL GOLD SHS	607.31K	SH	$22.36M 4.86%	607.31K
PUTNAM ETF TRUSTSOLE	FOCUSED LAR CAP	426.10K	SH	$18.20M 3.95%	426.10K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	331.25K	SH	$16.59M 3.60%	331.25K
SCHWAB STRATEGIC TRSOLE	SHT TM US TRES	529.43K	SH	$12.92M 2.81%	529.43K
AMERICAN CENTY ETF TRSOLE	US SML CP VALU	93.79K	SH	$9.34M 2.03%	93.79K
DIMENSIONAL ETF TRUSTSOLE	EMGR CRE EQT MNG	277.46K	SH	$8.75M 1.90%	277.46K
ABRDN PRECIOUS METALS BASKETSOLE	PHYSCL PRECS MET	48.74K	SH	$8.06M 1.75%	48.74K
ISHARES GOLD TRSOLE	ISHARES NEW	108.99K	SH	$7.93M 1.72%	108.99K
VANGUARD SCOTTSDALE FDSSOLE	LONG TERM TREAS	133.32K	SH	$7.58M 1.65%	133.32K
VANECK ETF TRUSTSOLE	FALLEN ANGEL HG	130.58K	SH	$3.88M 0.84%	130.58K
SPDR GOLD TRSOLE	GOLD SHS	10.05K	SH	$3.57M 0.78%	10.05K
VANGUARD SCOTTSDALE FDSSOLE	SHORT TERM TREAS	20.84K	SH	$1.23M 0.27%	20.84K
CHEVRON CORP NEWSOLE	COM	7.81K	SH	$1.21M 0.26%	7.81K
ISHARES TRSOLE	CORE S&P500 ETF	1.53K	SH	$1.03M 0.22%	1.53K
DIMENSIONAL ETF TRUSTSOLE	US EQUITY MARKET	9.92K	SH	$718.9K 0.16%	9.92K
VANGUARD INDEX FDSSOLE	GROWTH ETF	1.21K	SH	$578.8K 0.13%	1.21K
SPDR INDEX SHS FDSSOLE	MSCI ACWI EXUS	14.24K	SH	$497.3K 0.11%	14.24K
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	6.68K	SH	$497.2K 0.11%	6.68K
BERKSHIRE HATHAWAY INC DELSOLE	CL B NEW	963.00	SH	$484.1K 0.11%	963.00

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