VERNAL POINT ADVISORS, LLC

Filed: 11/14/2025ACC: 0001820363-25-000005

📋 What this filing means

VERNAL POINT ADVISORS, LLC filed this quarterly 13F‑HR report disclosing 22 equity positions with a total reported market value of $231.88M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$231.88M

Total AUM (reported)

2.36M

Total Shares

Allocation by class

TT WRLD ST ETF$111.67M48.2%

SHORT TERM TREAS$32.05M13.8%

TOTAL STK MKT$23.96M10.3%

INTER TERM TREAS$12.32M5.3%

CORE US AGGBD ET$8.77M3.8%

NO AMER ENERGY$8.60M3.7%

VG TL INTL STK F$7.48M3.2%

Portfolio Concentration

Top 3$167.68M72.3%

4–10$53.23M23.0%

11–25$10.97M4.7%

Top 3 weight

72.3%

Top 10 weight

95.3%

Voting Authority Distribution

Total shares with voting rights: 2.36M

Sole

Full voting authority

2.36M

% of voting shares100.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

0.00

% of voting shares0.0%

Investment Discretion (by position count)

Sole22

Shared0

Other0

Dominant voting typeSole · 100.0% of voting shares

Institutional Holdings22

Rows:

VANGUARD INTL EQUITY INDEX F

SOLE

TT WRLD ST ETF

Shares810.39K

TypeSH

Market value$111.67M

48.16%

Sole

810.39K

Shared

0.00

None

0.00

VANGUARD SCOTTSDALE FDS

SOLE

SHORT TERM TREAS

Shares544.56K

TypeSH

Market value$32.05M

13.82%

Sole

544.56K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares72.81K

TypeSH

Market value$23.96M

10.33%

Sole

72.81K

Shared

0.00

None

0.00

VANGUARD SCOTTSDALE FDS

SOLE

INTER TERM TREAS

Shares205.24K

TypeSH

Market value$12.32M

5.31%

Sole

205.24K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE US AGGBD ET

Shares87.44K

TypeSH

Market value$8.77M

3.78%

Sole

87.44K

Shared

0.00

None

0.00

FIRST TR EXCHANGE-TRADED FD

SOLE

NO AMER ENERGY

Shares224.60K

TypeSH

Market value$8.60M

3.71%

Sole

224.60K

Shared

0.00

None

0.00

VANGUARD STAR FDS

SOLE

VG TL INTL STK F

Shares101.79K

TypeSH

Market value$7.48M

3.22%

Sole

101.79K

Shared

0.00

None

0.00

ISHARES TR

SOLE

SHORT TREAS BD

Shares65.88K

TypeSH

Market value$7.28M

3.14%

Sole

65.88K

Shared

0.00

None

0.00

ISHARES GOLD TR

SOLE

ISHARES NEW

Shares84.63K

TypeSH

Market value$6.16M

2.66%

Sole

84.63K

Shared

0.00

None

0.00

ISHARES TR

SOLE

1 3 YR TREAS BD

Shares31.70K

TypeSH

Market value$2.63M

1.13%

Sole

31.70K

Shared

0.00

None

0.00

ISHARES TR

SOLE

3 7 YR TREAS BD

Shares20.71K

TypeSH

Market value$2.48M

1.07%

Sole

20.71K

Shared

0.00

None

0.00

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares3.04K

TypeSH

Market value$1.82M

0.79%

Sole

3.04K

Shared

0.00

None

0.00

SCHWAB STRATEGIC TR

SOLE

US LRG CAP ETF

Shares49.81K

TypeSH

Market value$1.31M

0.57%

Sole

49.81K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

REAL ESTATE ETF

Shares13.80K

TypeSH

Market value$1.26M

0.54%

Sole

13.80K

Shared

0.00

None

0.00

SPDR S&P 500 ETF TR

SOLE

TR UNIT

Shares1.84K

TypeSH

Market value$1.23M

0.53%

Sole

1.84K

Shared

0.00

None

0.00

ISHARES TR

SOLE

MBS ETF

Shares9.79K

TypeSH

Market value$932.0K

0.40%

Sole

9.79K

Shared

0.00

None

0.00

SPDR INDEX SHS FDS

SOLE

PORTFLI MSCI GBL

Shares6.43K

TypeSH

Market value$482.0K

0.21%

Sole

6.43K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares3.07K

TypeSH

Market value$364.3K

0.16%

Sole

3.07K

Shared

0.00

None

0.00

SCHWAB STRATEGIC TR

SOLE

INTL EQTY ETF

Shares12.62K

TypeSH

Market value$293.8K

0.13%

Sole

12.62K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares4.32K

TypeSH

Market value$281.9K

0.12%

Sole

4.32K

Shared

0.00

None

0.00

ISHARES TR

SOLE

S&P 500 VAL ETF

Shares1.25K

TypeSH

Market value$258.1K

0.11%

Sole

1.25K

Shared

0.00

None

0.00

ISHARES TR

SOLE

INTL SEL DIV ETF

Shares6.84K

TypeSH

Market value$250.2K

0.11%

Sole

6.84K

Shared

0.00

None

0.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole
VANGUARD INTL EQUITY INDEX FSOLE	TT WRLD ST ETF	810.39K	SH	$111.67M 48.16%	810.39K
VANGUARD SCOTTSDALE FDSSOLE	SHORT TERM TREAS	544.56K	SH	$32.05M 13.82%	544.56K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	72.81K	SH	$23.96M 10.33%	72.81K
VANGUARD SCOTTSDALE FDSSOLE	INTER TERM TREAS	205.24K	SH	$12.32M 5.31%	205.24K
ISHARES TRSOLE	CORE US AGGBD ET	87.44K	SH	$8.77M 3.78%	87.44K
FIRST TR EXCHANGE-TRADED FDSOLE	NO AMER ENERGY	224.60K	SH	$8.60M 3.71%	224.60K
VANGUARD STAR FDSSOLE	VG TL INTL STK F	101.79K	SH	$7.48M 3.22%	101.79K
ISHARES TRSOLE	SHORT TREAS BD	65.88K	SH	$7.28M 3.14%	65.88K
ISHARES GOLD TRSOLE	ISHARES NEW	84.63K	SH	$6.16M 2.66%	84.63K
ISHARES TRSOLE	1 3 YR TREAS BD	31.70K	SH	$2.63M 1.13%	31.70K
ISHARES TRSOLE	3 7 YR TREAS BD	20.71K	SH	$2.48M 1.07%	20.71K
INVESCO QQQ TRSOLE	UNIT SER 1	3.04K	SH	$1.82M 0.79%	3.04K
SCHWAB STRATEGIC TRSOLE	US LRG CAP ETF	49.81K	SH	$1.31M 0.57%	49.81K
VANGUARD INDEX FDSSOLE	REAL ESTATE ETF	13.80K	SH	$1.26M 0.54%	13.80K
SPDR S&P 500 ETF TRSOLE	TR UNIT	1.84K	SH	$1.23M 0.53%	1.84K
ISHARES TRSOLE	MBS ETF	9.79K	SH	$932.0K 0.40%	9.79K
SPDR INDEX SHS FDSSOLE	PORTFLI MSCI GBL	6.43K	SH	$482.0K 0.21%	6.43K
ISHARES TRSOLE	CORE S&P SCP ETF	3.07K	SH	$364.3K 0.16%	3.07K
SCHWAB STRATEGIC TRSOLE	INTL EQTY ETF	12.62K	SH	$293.8K 0.13%	12.62K
ISHARES TRSOLE	CORE S&P MCP ETF	4.32K	SH	$281.9K 0.12%	4.32K
ISHARES TRSOLE	S&P 500 VAL ETF	1.25K	SH	$258.1K 0.11%	1.25K
ISHARES TRSOLE	INTL SEL DIV ETF	6.84K	SH	$250.2K 0.11%	6.84K