Filed: 2/2/2026ACC: 0001214659-26-001066
📋 What this filing means
WILLIAMS FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 24 equity positions with a total reported market value of $172.84M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
24
Positions
$172.84M
Total AUM (reported)
3.33M
Total Shares
Allocation by class
INCOME ETF$48.78M28.2%
CORE S&P500 ETF$22.55M13.0%
ENHAN SHRT MA AC$15.87M9.2%
FUNDAMENTAL US L$14.74M8.5%
ALLWRLD EX US$14.21M8.2%
US QTLY DIV GRT$12.54M7.3%
FUNDAMENTAL INTL$7.79M4.5%
Portfolio Concentration
Top 3$87.19M50.4%
4–10$63.53M36.8%
11–25$22.12M12.8%
Top 3 weight
50.4%
Top 10 weight
87.2%
Voting Authority Distribution
Total shares with voting rights: 3.33M
Sole
Full voting authority
3.33M
shares
% of voting shares100.0%
Shared
Joint voting authority
0.00
shares
% of voting shares0.0%
None
No voting authority
0.00
shares
% of voting shares0.0%
Investment Discretion (by position count)
Sole24
Shared0
Other0
Dominant voting typeSole · 100.0% of voting shares
Institutional Holdings24
Rows:
J P MORGAN EXCHANGE TRADED
SOLEShares1.05M
TypeSH
Market value$48.78M
28.22%
Sole
1.05M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares32.92K
TypeSH
Market value$22.55M
13.05%
Sole
32.92K
Shared
0.00
None
0.00
PIMCO ETF TR
SOLEShares158.13K
TypeSH
Market value$15.87M
9.18%
Sole
158.13K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares541.76K
TypeSH
Market value$14.74M
8.53%
Sole
541.76K
Shared
0.00
None
0.00
VANGUARD INTL EQUITY INDEX
SOLEShares193.12K
TypeSH
Market value$14.21M
8.22%
Sole
193.12K
Shared
0.00
None
0.00
WISDOMTREE TR
SOLEShares140.19K
TypeSH
Market value$12.54M
7.25%
Sole
140.19K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares172.39K
TypeSH
Market value$7.79M
4.51%
Sole
172.39K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares215.92K
TypeSH
Market value$5.72M
3.31%
Sole
215.92K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares230.95K
TypeSH
Market value$4.82M
2.79%
Sole
230.95K
Shared
0.00
None
0.00
VANGUARD SCOTTSDALE FDS
SOLEShares44.27K
TypeSH
Market value$3.71M
2.14%
Sole
44.27K
Shared
0.00
None
0.00
DIMENSIONAL ETF TRUST
SOLEShares112.37K
TypeSH
Market value$3.70M
2.14%
Sole
112.37K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares48.66K
TypeSH
Market value$3.64M
2.11%
Sole
48.66K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares113.34K
TypeSH
Market value$2.84M
1.64%
Sole
113.34K
Shared
0.00
None
0.00
SPDR SERIES TRUST
SOLEShares109.78K
TypeSH
Market value$2.78M
1.61%
Sole
109.78K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares76.78K
TypeSH
Market value$2.51M
1.45%
Sole
76.78K
Shared
0.00
None
0.00
APPLE INC
SOLEShares7.89K
TypeSH
Market value$2.15M
1.24%
Sole
7.89K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares56.52K
TypeSH
Market value$1.78M
1.03%
Sole
56.52K
Shared
0.00
None
0.00
EXXON MOBIL CORP
SOLEShares5.87K
TypeSH
Market value$706.0K
0.41%
Sole
5.87K
Shared
0.00
None
0.00
CVS HEALTH CORP
SOLEShares7.02K
TypeSH
Market value$557.1K
0.32%
Sole
7.02K
Shared
0.00
None
0.00
MICROSOFT CORP
SOLEShares858.00
TypeSH
Market value$414.8K
0.24%
Sole
858.00
Shared
0.00
None
0.00
TORONTO DOMINION BK ONT
SOLEShares3.15K
TypeSH
Market value$296.4K
0.17%
Sole
3.15K
Shared
0.00
None
0.00
INTERNATIONAL BUSINESS
SOLEShares941.00
TypeSH
Market value$278.7K
0.16%
Sole
941.00
Shared
0.00
None
0.00
AMAZON COM INC
SOLEShares1.05K
TypeSH
Market value$242.6K
0.14%
Sole
1.05K
Shared
0.00
None
0.00
SYSCO CORP
SOLEShares2.98K
TypeSH
Market value$219.6K
0.13%
Sole
2.98K
Shared
0.00
None
0.00
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
J P MORGAN EXCHANGE TRADEDSOLE | INCOME ETF | 1.05M | SH | $48.78M 28.22% | 1.05M | 0.00 | 0.00 |
ISHARES TRSOLE | CORE S&P500 ETF | 32.92K | SH | $22.55M 13.05% | 32.92K | 0.00 | 0.00 |
PIMCO ETF TRSOLE | ENHAN SHRT MA AC | 158.13K | SH | $15.87M 9.18% | 158.13K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | FUNDAMENTAL US L | 541.76K | SH | $14.74M 8.53% | 541.76K | 0.00 | 0.00 |
VANGUARD INTL EQUITY INDEXSOLE | ALLWRLD EX US | 193.12K | SH | $14.21M 8.22% | 193.12K | 0.00 | 0.00 |
WISDOMTREE TRSOLE | US QTLY DIV GRT | 140.19K | SH | $12.54M 7.25% | 140.19K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | FUNDAMENTAL INTL | 172.39K | SH | $7.79M 4.51% | 172.39K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | US TIPS ETF | 215.92K | SH | $5.72M 3.31% | 215.92K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | US REIT ETF | 230.95K | SH | $4.82M 2.79% | 230.95K | 0.00 | 0.00 |
VANGUARD SCOTTSDALE FDSSOLE | INT-TERM CORP | 44.27K | SH | $3.71M 2.14% | 44.27K | 0.00 | 0.00 |
DIMENSIONAL ETF TRUSTSOLE | INTL SMALL CAP E | 112.37K | SH | $3.70M 2.14% | 112.37K | 0.00 | 0.00 |
ISHARES TRSOLE | US SML CAP EQT | 48.66K | SH | $3.64M 2.11% | 48.66K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | INT-TRM U.S TRES | 113.34K | SH | $2.84M 1.64% | 113.34K | 0.00 | 0.00 |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 109.78K | SH | $2.78M 1.61% | 109.78K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | EMRG MKTEQ ETF | 76.78K | SH | $2.51M 1.45% | 76.78K | 0.00 | 0.00 |
APPLE INCSOLE | COM | 7.89K | SH | $2.15M 1.24% | 7.89K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | FUNDAMENTAL US S | 56.52K | SH | $1.78M 1.03% | 56.52K | 0.00 | 0.00 |
EXXON MOBIL CORPSOLE | COM | 5.87K | SH | $706.0K 0.41% | 5.87K | 0.00 | 0.00 |
CVS HEALTH CORPSOLE | COM | 7.02K | SH | $557.1K 0.32% | 7.02K | 0.00 | 0.00 |
MICROSOFT CORPSOLE | COM | 858.00 | SH | $414.8K 0.24% | 858.00 | 0.00 | 0.00 |
TORONTO DOMINION BK ONTSOLE | COM NEW | 3.15K | SH | $296.4K 0.17% | 3.15K | 0.00 | 0.00 |
INTERNATIONAL BUSINESSSOLE | COM | 941.00 | SH | $278.7K 0.16% | 941.00 | 0.00 | 0.00 |
AMAZON COM INCSOLE | COM | 1.05K | SH | $242.6K 0.14% | 1.05K | 0.00 | 0.00 |
SYSCO CORPSOLE | COM | 2.98K | SH | $219.6K 0.13% | 2.98K | 0.00 | 0.00 |