Adaptive Financial Consulting, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 11, 2026), Adaptive Financial Consulting, LLC reported 18 stock positions worth $257.1 million. Its top holding was iShares Core U.S. Aggregate (AGG) at 21.3% of the portfolio, followed by Vanguard S/T Corp. Bond ETF (VCSH, 12.1%) and iShares Core S&P 500 ETF (IVV, 11.6%). Compared with Q3 2025, it sold out of 1, added to 12 and reduced 4. The biggest buy was Vanguard Health Care ETF (VHT, shares +2%) and the biggest sale Vanguard S/T Corp. Bond ETF (VCSH, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- BEACHWOOD, OH
- CIK
- 0001804717
- Portfolio Value
- $257.1M (Q4 2025)
- SEC Filing
- 0001804717-26-000001 ↗ filed Feb 11, 2026
Holdings Value
Holdings 18 stocks · $257.1M
| AGG iShares Core U.S. Aggregate | 21.33% | 549,017 | $54.8M | Add +2.6% |
| VCSH Vanguard S/T Corp. Bond ETF | 12.09% | 389,790 | $31.1M | Reduce -0.6% |
| IVV iShares Core S&P 500 ETF | 11.56% | 43,380 | $29.7M | Add +2.1% |
| IVW iShares S&P 500 Growth ETF | 8.42% | 175,652 | $21.7M | Add +1.9% |
| USMV iShares MSCI USA Min Vol Fac | 8.16% | 222,839 | $21.0M | Add +3.2% |
| QQQ Invesco QQQ Trust Series 1 | 6.61% | 27,649 | $17.0M | Add +1.7% |
| VCR Vanguard Consumer Discre ETF | 5.48% | 35,776 | $14.1M | Add +2.7% |
| IEFA iShares Core MSCI Eafe ETF | 5.17% | 148,501 | $13.3M | Add +3.1% |
| VHT Vanguard Health Care ETF | 4.75% | 42,461 | $12.2M | Add +2.1% |
| BSV Vanguard Short-Term Bond ETF | 4.28% | 139,498 | $11.0M | Add +1.3% |
| VNQ Vanguard Real Estate ETF | 4.05% | 117,555 | $10.4M | Add +4.9% |
| IEMG iShares Core MSCI Emerging | 3.54% | 135,211 | $9.1M | Add +2.7% |
| SHV iShares 0-1 Year Treasury Bo | 2.84% | 66,264 | $7.3M | Add +1.4% |
| SGOV iShares 0-3 Month Treasury B | 0.86% | 21,938 | $2.2M | No change |
| MTUM iShares MSCI USA Momentum Fa | 0.31% | 3,179 | $796K | Reduce -15.7% |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.24% | 5,638 | $621K | Reduce -0.2% |
| IJH iShares Core S&P Midcap ETF | 0.21% | 8,008 | $529K | Reduce -2.8% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.11% | 421 | $287K | No change |
Portfolio Sells Q3 2025 → Q4 2025
Portfolio Buys Q3 2025 → Q4 2025
| VHT Vanguard Health Care ETF | Add +2.1% | 4.75% | +0.44 |
| IVV iShares Core S&P 500 ETF | Add +2.1% | 11.56% | +0.19 |
| IEFA iShares Core MSCI Eafe ETF | Add +3.1% | 5.17% | +0.14 |
| IVW iShares S&P 500 Growth ETF | Add +1.9% | 8.42% | +0.10 |
| QQQ Invesco QQQ Trust Series 1 | Add +1.7% | 6.61% | +0.08 |
| IEMG iShares Core MSCI Emerging | Add +2.7% | 3.54% | +0.07 |
| VCR Vanguard Consumer Discre ETF | Add +2.7% | 5.48% | −0.04 |
| USMV iShares MSCI USA Min Vol Fac | Add +3.2% | 8.16% | −0.05 |
| VNQ Vanguard Real Estate ETF | Add +4.9% | 4.05% | −0.05 |
| SHV iShares 0-1 Year Treasury Bo | Add +1.4% | 2.84% | −0.05 |
| BSV Vanguard Short-Term Bond ETF | Add +1.3% | 4.28% | −0.07 |
| AGG iShares Core U.S. Aggregate | Add +2.6% | 21.33% | −0.12 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 20 | $285.5M | AGG, IVV, VCSH, IVW, USMV |
| Q1 2026 | 18 | $261.1M | AGG, VCSH, IVV, USMV, IVW |
| Q4 2025 | 18 | $257.1M | AGG, VCSH, IVV, IVW, USMV |
| Q3 2025 | 19 | $250.1M | AGG, VCSH, IVV, IVW, USMV |
| Q2 2025 | 21 | $239.5M | AGG, VCSH, IVV, USMV, IVW |
| Q1 2025 | 20 | $233.5M | AGG, VCSH, IVV, USMV, IVW |
| Q4 2024 | 21 | $241.1M | AGG, VCSH, IVV, USMV, IVW |
| Q3 2024 | 19 | $245.5M | AGG, VCSH, IVV, USMV, IVW |
| Q2 2024 | 19 | $230.6M | AGG, VCSH, IVV, USMV, IVW |
| Q1 2024 | 19 | $224.1M | AGG, VCSH, IVV, USMV, IVW |