XML FINANCIAL, LLC

Filed: 10/20/2025ACC: 0001725547-25-004125

📋 What this filing means

XML FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 391 equity positions with a total reported market value of $1.23B. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

391

Positions

$1.23B

Total AUM (reported)

18.78M

Total Shares

Allocation by class

COM$437.57M35.6%

US LCAP GR ETF$50.69M4.1%

RUS 1000 GRW ETF$37.99M3.1%

US LCAP VA ETF$35.53M2.9%

CORE DIV GRWTH$34.60M2.8%

RUS 1000 ETF$30.89M2.5%

INF TECH ETF$27.32M2.2%

Portfolio Concentration

Top 3$124.21M10.1%

4–10$201.58M16.4%

11–25$230.86M18.8%

Rest$671.81M54.7%

Top 3 weight

10.1%

Top 10 weight

26.5%

Voting Authority Distribution

Total shares with voting rights: 18.78M

Sole

Full voting authority

2.04K

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

18.78M

% of voting shares100.0%

Investment Discretion (by position count)

Sole391

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings391

Rows:

SCHWAB STRATEGIC TR

SOLE

US LCAP GR ETF

Shares1.59M

TypeSH

Market value$50.69M

4.13%

Sole

699.00

Shared

0.00

None

1.59M

ISHARES TR

SOLE

RUS 1000 GRW ETF

Shares81.10K

TypeSH

Market value$37.99M

3.09%

Sole

0.00

Shared

0.00

None

81.10K

SCHWAB STRATEGIC TR

SOLE

US LCAP VA ETF

Shares1.22M

TypeSH

Market value$35.53M

2.89%

Sole

577.00

Shared

0.00

None

1.22M

ISHARES TR

SOLE

CORE DIV GRWTH

Shares508.23K

TypeSH

Market value$34.60M

2.82%

Sole

0.00

Shared

0.00

None

508.23K

MICROSOFT CORP

SOLE

COM

Shares60.48K

TypeSH

Market value$31.33M

2.55%

Sole

0.00

Shared

0.00

None

60.48K

APPLE INC

SOLE

COM

Shares121.92K

TypeSH

Market value$31.04M

2.53%

Sole

0.00

Shared

0.00

None

121.92K

ISHARES TR

SOLE

RUS 1000 ETF

Shares84.51K

TypeSH

Market value$30.89M

2.51%

Sole

0.00

Shared

0.00

None

84.51K

VANGUARD WORLD FD

SOLE

INF TECH ETF

Shares36.59K

TypeSH

Market value$27.32M

2.22%

Sole

17.00

Shared

0.00

None

36.57K

ISHARES TR

SOLE

RUS MID CAP ETF

Shares244.82K

TypeSH

Market value$23.64M

1.92%

Sole

0.00

Shared

0.00

None

244.82K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares34K

TypeSH

Market value$22.76M

1.85%

Sole

0.00

Shared

0.00

None

34K

PIMCO CORPORATE & INCOME OPP

SOLE

COM

Shares1.54M

TypeSH

Market value$22.29M

1.81%

Sole

0.00

Shared

0.00

None

1.54M

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares254.42K

TypeSH

Market value$20.08M

1.63%

Sole

0.00

Shared

0.00

None

254.42K

BERKSHIRE HATHAWAY INC DEL

SOLE

CL B NEW

Shares37.61K

TypeSH

Market value$18.91M

1.54%

Sole

0.00

Shared

0.00

None

37.61K

PIMCO ETF TR

SOLE

INV GRD CRP BD

Shares182.08K

TypeSH

Market value$17.96M

1.46%

Sole

0.00

Shared

0.00

None

182.08K

SPDR SERIES TRUST

SOLE

BBG CONV SEC ETF

Shares188.55K

TypeSH

Market value$17.06M

1.39%

Sole

0.00

Shared

0.00

None

188.55K

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares128.83K

TypeSH

Market value$15.31M

1.25%

Sole

0.00

Shared

0.00

None

128.83K

SPDR GOLD TR

SOLE

GOLD SHS

Shares41.44K

TypeSH

Market value$14.73M

1.20%

Sole

27.00

Shared

0.00

None

41.41K

ISHARES TR

SOLE

U.S. FINLS ETF

Shares111.85K

TypeSH

Market value$14.16M

1.15%

Sole

0.00

Shared

0.00

None

111.85K

GOLDMAN SACHS ETF TR

SOLE

ACTIVEBETA US LG

Shares104.05K

TypeSH

Market value$13.56M

1.10%

Sole

127.00

Shared

0.00

None

103.92K

JPMORGAN CHASE & CO.

SOLE

COM

Shares42.87K

TypeSH

Market value$13.52M

1.10%

Sole

0.00

Shared

0.00

None

42.87K

ISHARES TR

SOLE

RUS 1000 VAL ETF

Shares65.90K

TypeSH

Market value$13.42M

1.09%

Sole

0.00

Shared

0.00

None

65.90K

JOHNSON & JOHNSON

SOLE

COM

Shares68.65K

TypeSH

Market value$12.73M

1.04%

Sole

0.00

Shared

0.00

None

68.65K

SPDR SERIES TRUST

SOLE

PORTFOLI S&P1500

Shares155.44K

TypeSH

Market value$12.54M

1.02%

Sole

0.00

Shared

0.00

None

155.44K

AMAZON COM INC

SOLE

COM

Shares56.13K

TypeSH

Market value$12.32M

1.00%

Sole

0.00

Shared

0.00

None

56.13K

QUALCOMM INC

SOLE

COM

Shares73.82K

TypeSH

Market value$12.28M

1.00%

Sole

0.00

Shared

0.00

None

73.82K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
SCHWAB STRATEGIC TRSOLE	US LCAP GR ETF	1.59M	SH	$50.69M 4.13%	699.00	1.59M
ISHARES TRSOLE	RUS 1000 GRW ETF	81.10K	SH	$37.99M 3.09%	0.00	81.10K
SCHWAB STRATEGIC TRSOLE	US LCAP VA ETF	1.22M	SH	$35.53M 2.89%	577.00	1.22M
ISHARES TRSOLE	CORE DIV GRWTH	508.23K	SH	$34.60M 2.82%	0.00	508.23K
MICROSOFT CORPSOLE	COM	60.48K	SH	$31.33M 2.55%	0.00	60.48K
APPLE INCSOLE	COM	121.92K	SH	$31.04M 2.53%	0.00	121.92K
ISHARES TRSOLE	RUS 1000 ETF	84.51K	SH	$30.89M 2.51%	0.00	84.51K
VANGUARD WORLD FDSOLE	INF TECH ETF	36.59K	SH	$27.32M 2.22%	17.00	36.57K
ISHARES TRSOLE	RUS MID CAP ETF	244.82K	SH	$23.64M 1.92%	0.00	244.82K
ISHARES TRSOLE	CORE S&P500 ETF	34K	SH	$22.76M 1.85%	0.00	34K
PIMCO CORPORATE & INCOME OPPSOLE	COM	1.54M	SH	$22.29M 1.81%	0.00	1.54M
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	254.42K	SH	$20.08M 1.63%	0.00	254.42K
BERKSHIRE HATHAWAY INC DELSOLE	CL B NEW	37.61K	SH	$18.91M 1.54%	0.00	37.61K
PIMCO ETF TRSOLE	INV GRD CRP BD	182.08K	SH	$17.96M 1.46%	0.00	182.08K
SPDR SERIES TRUSTSOLE	BBG CONV SEC ETF	188.55K	SH	$17.06M 1.39%	0.00	188.55K
ISHARES TRSOLE	CORE S&P SCP ETF	128.83K	SH	$15.31M 1.25%	0.00	128.83K
SPDR GOLD TRSOLE	GOLD SHS	41.44K	SH	$14.73M 1.20%	27.00	41.41K
ISHARES TRSOLE	U.S. FINLS ETF	111.85K	SH	$14.16M 1.15%	0.00	111.85K
GOLDMAN SACHS ETF TRSOLE	ACTIVEBETA US LG	104.05K	SH	$13.56M 1.10%	127.00	103.92K
JPMORGAN CHASE & CO.SOLE	COM	42.87K	SH	$13.52M 1.10%	0.00	42.87K
ISHARES TRSOLE	RUS 1000 VAL ETF	65.90K	SH	$13.42M 1.09%	0.00	65.90K
JOHNSON & JOHNSONSOLE	COM	68.65K	SH	$12.73M 1.04%	0.00	68.65K
SPDR SERIES TRUSTSOLE	PORTFOLI S&P1500	155.44K	SH	$12.54M 1.02%	0.00	155.44K
AMAZON COM INCSOLE	COM	56.13K	SH	$12.32M 1.00%	0.00	56.13K
QUALCOMM INCSOLE	COM	73.82K	SH	$12.28M 1.00%	0.00	73.82K

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