Altiora Financial Group, LLC

In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 7, 2025), Altiora Financial Group, LLC reported 93 stock positions worth $459.6 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 22.8% of the portfolio, followed by Dimensional World Ex US Core (DFAX, 8.2%) and Dimensional Short Duration (DFSD, 8.0%). Compared with Q3 2024, it opened 7 new positions, sold out of 5, added to 37 and reduced 21. The biggest buy was Simplify Managed Futures St (CTA, shares +131%) and the biggest sale Dimensional World Ex US Core (DFAX, shares −0%).

Most Recent 13F
Q2 2026
Location
LEBANON, OH
CIK
0001986156
Portfolio Value
$459.6M (Q4 2024)
SEC Filing
0001986156-25-000002 ↗ filed Feb 7, 2025

Holdings Value

0$200.0M$400.0M$600.0M$800.0M Q1 2024: $368.3M Q1 2024 Q2 2024: $416.6M Q2 2024 Q3 2024: $452.3M Q3 2024 Q4 2024: $459.6M $459.6M Q4 2024 Q1 2025: $470.3M Q1 2025 Q2 2025: $511.8M Q2 2025 Q3 2025: $546.7M Q3 2025 Q4 2025: $580.2M Q4 2025 Q1 2026: $607.1M Q1 2026 Q2 2026: $634.5M Q2 2026

Holdings 93 stocks · $459.6M
DFAC Dimensional US Core Equity 2 22.80% 3,028,985 $104.8M Reduce -2.7%
DFAX Dimensional World Ex US Core 8.23% 1,521,559 $37.8M Reduce -0.1%
DFSD Dimensional Short Duration 7.95% 779,421 $36.5M Add +6.2%
SCHO Schwab Short-Term US Treas 5.43% 1,038,096 $25.0M Add +1.4%
VTI VG Morningstar TS MKT ETF-US 4.51% 71,461 $20.7M Add +8.2%
SCHR Schwab Intermediate-Term US 3.38% 638,791 $15.5M Reduce -6.1%
SGOV iShares 0-3 Month Treasury B 3.13% 143,563 $14.4M Add +23.7%
SCHP Schwab U.S. Tips ETF 2.91% 517,443 $13.4M Add +1.4%
DFAT Dimensional US Target Value 2.82% 233,060 $13.0M Add +12.2%
DFUV Dimensional US Marketwide Va 2.69% 302,052 $12.4M Reduce -4.8%
DUSB Dimension Ultrashort Fi ETF 2.40% 217,925 $11.0M Add +14.8%
DCOR Dimensional US Core Eq 1 ETF 2.27% 162,514 $10.4M Add +3.8%
BILS SS Spdrb B 3-12M T-Bill ETF 2.12% 98,311 $9.7M Reduce -5.7%
IAU iShares Gold Trust 1.77% 163,963 $8.1M Add +4.8%
VTEB Vanguard Tax-Exempt Bond ETF 1.73% 158,943 $8.0M Add +0.2%
CTA Simplify Managed Futures St 1.71% 281,631 $7.9M Add +131.5%
DFUS Dimensional US Eq MKT ETF 1.55% 111,630 $7.1M No change
DFIV Dimensional International Va 1.45% 188,169 $6.7M No change
DUHP Dimensional US High Profi Et 1.21% 164,308 $5.6M Add +0.4%
DFAS Dimensional US Small Cap ETF 1.08% 76,418 $5.0M Add +4.0%
STIP iShares 0-5 Year Tips Bond E 1.02% 46,398 $4.7M Add +0.0%
VXUS Vanguard Total Intl Stock 0.97% 75,632 $4.5M Reduce -3.5%
VUG Vanguard Mrngstar GR ETF-Sui 0.94% 10,530 $4.3M No change
VGSH Vanguard Short-Term Treasury 0.83% 65,511 $3.8M Reduce -21.0%
VTES Vanguard SH Term Tax-Ex Bond 0.81% 37,260 $3.7M No change
DFIP Dimensional Inflation-Protec 0.72% 81,468 $3.3M Add +13.4%
VGIT Vanguard Intermediate-Term T 0.67% 52,985 $3.1M Reduce -5.4%
MSFT Microsoft Corp. 0.66% 7,190 $3.0M Add +7.8%
BILL Bill Holdings Inc. 0.64% 34,612 $2.9M No change
VTIP Vanguard Short-Term Tips 0.61% 57,682 $2.8M Reduce -9.7%
SPY SS SPDR S&P 500 ETF Trust-US 0.58% 4,584 $2.7M Add +285.9%
AAPL Apple Inc. 0.58% 10,715 $2.7M Add +64.7%
SPTS SS SPDR P St Term TSY ETF 0.49% 77,713 $2.3M Reduce -6.9%
DFAU Dimensional US Core Equity M 0.46% 52,256 $2.1M Add +0.3%
DFSV Dimensional US Small Cap Val 0.43% 63,790 $2.0M Add +0.5%
AMZN Amazon.com Inc. 0.38% 8,024 $1.8M No change
SCHJ Schwab 1-5 YR Corp. BND ETF 0.37% 69,420 $1.7M No change
IVV iShares Core S&P 500 ETF 0.33% 2,568 $1.5M Add +41.3%
DFIC Dimensional International Co. 0.31% 54,513 $1.4M Add +1.0%
IWN iShares Russell 2000 Value E 0.31% 8,571 $1.4M No change
DFAI Dimensional International Co. 0.30% 47,569 $1.4M Add +25.1%
DIHP Dimensional International Hi 0.29% 52,378 $1.3M Reduce -0.5%
SUB iShares Short-Term National 0.26% 11,474 $1.2M Add +2.3%
IBIT iShares Bitcoin Trust ETF 0.26% 22,638 $1.2M Add +6.3%
DFEM Dimensional Emrg MRKT Core 0.24% 42,245 $1.1M Add +29.3%
DFSU Dimensional US Sus CORE1 ETF 0.21% 26,000 $985K No change
VGT Vanguard Info Tech ETF 0.21% 1,573 $978K New
GLD SPDR Gold Shares 0.21% 3,972 $962K Reduce -41.3%
DISV Dimensional International SM 0.21% 35,520 $944K Reduce -2.8%
VPU Vanguard Utilities ETF 0.20% 5,650 $923K No change
TSLA Tesla Inc. 0.20% 2,246 $907K Add +6.0%
COST Costco Wholesale Corp. 0.19% 957 $877K Reduce -3.3%
GOOG Alphabet Inc. Class C 0.18% 4,390 $836K Add +3.5%
LLY Eli Lilly & Co. 0.16% 974 $752K Add +52.7%
AVLV Avantis US Large Cap Value 0.16% 10,952 $731K Reduce -44.1%
MUB iShares National Muni Bond E 0.15% 6,678 $712K No change
NVDA Nvidia Corp. 0.15% 5,259 $706K Add +0.4%
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.14% 15,010 $660K No change
UNH Unitedhealth Group Inc. 0.14% 1,288 $652K No change
CVX Chevron Corp. 0.13% 4,124 $597K Reduce -0.1%
PG The Procter & Gamble Co. 0.13% 3,553 $596K Add +18.8%
DFEV Dimensional Emrg MRKT Val 0.13% 22,676 $594K No change
VBR Vngrd Mrngst SL-CP Val ETF-U 0.12% 2,860 $567K Reduce -25.9%
VTV Vanguard Mrngstr Val ETF-Aui 0.12% 3,342 $566K No change
GOOGL Alphabet Inc. Class A 0.12% 2,931 $555K Add +0.1%
AVIV Avantis Intl LRG Cap Val ETF 0.11% 10,055 $522K Reduce -57.0%
CHRW C.H. Robinson Worldwide Inc. 0.11% 5,000 $517K Reduce -37.5%
SCMB Schwab Municipal Bond ETF 0.11% 20,000 $514K No change
DFSB Dim GLB Sustain Fix Inc. ETF 0.11% 10,000 $509K No change
DEHP Dimensional Emrg MRK Hi Prof 0.10% 19,468 $482K Reduce -23.6%
DBMF Imgp Dbi MFT STR ETF-Usd Inc. 0.10% 17,163 $449K New
SPSB SS SPDR P St C Corp. ETF 0.09% 14,498 $433K No change
VSS Vanguard Ftse All Wo X-US SC 0.09% 3,748 $429K New
VB Vanguard Most SM-Cap ETF-Usd 0.09% 1,631 $392K No change
VOE Vngrd Mrngstr MD-Cap Val ETF 0.09% 2,422 $392K No change
VCSH Vanguard S/T Corp. Bond ETF 0.08% 4,862 $379K Add +0.1%
IJS iShares S&P Small-Cap 600 Va 0.08% 3,466 $376K No change
HD Home Depot Inc. 0.08% 936 $364K New
JNJ Johnson & Johnson 0.07% 2,262 $327K Add +26.5%
IWV iShares Russell 3000 ETF 0.07% 965 $322K Add +0.3%
MSTR Strategy Inc. filed as MICROSTRATEGY INC 0.07% 1,058 $306K Reduce -48.1%
DFSI Dimensional Int Sus COR1 ETF 0.07% 9,100 $299K No change
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.06% 1,100 $297K No change
DFAE Dimensional Emerging Core Eq 0.06% 11,300 $287K New
CTAS Cintas Corp. 0.06% 1,560 $285K No change
WMT Walmart Inc. 0.06% 3,115 $281K No change
LKQ LKQ Corp. 0.06% 7,600 $279K No change
BITO Proshares Bitcoin ETF-Usd 0.05% 10,448 $238K No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.05% 1,041 $229K Add +0.9%
IUSB Ishr CR Unvrse Usd BD ETF-Ui 0.05% 4,964 $224K No change
BWX SS SPDR BB Intl Treasury BD 0.05% 10,259 $219K Add +0.6%
JPM JPMorgan Chase & Co. 0.05% 908 $218K New
OKE Oneok Inc. 0.04% 2,000 $201K New

Portfolio Sells Q3 2024 → Q4 2024
DFAX Dimensional World Ex US Core Reduce -0.1% 8.23% −0.86
DFAC Dimensional US Core Equity 2 Reduce -2.7% 22.80% −0.80
SCHR Schwab Intermediate-Term US Reduce -6.1% 3.38% −0.43
VGSH Vanguard Short-Term Treasury Reduce -21.0% 0.83% −0.25
DFUV Dimensional US Marketwide Va Reduce -4.8% 2.69% −0.24
PFIX Simplify Interest Rate Hedge Sold out 0.00% −0.20
AVIV Avantis Intl LRG Cap Val ETF Reduce -57.0% 0.11% −0.18
BILS SS Spdrb B 3-12M T-Bill ETF Reduce -5.7% 2.12% −0.17
GLD SPDR Gold Shares Reduce -41.3% 0.21% −0.15
VXUS Vanguard Total Intl Stock Reduce -3.5% 0.97% −0.15
GILD Gilead Sciences Inc. Sold out 0.00% −0.15
AVLV Avantis US Large Cap Value Reduce -44.1% 0.16% −0.13
VTIP Vanguard Short-Term Tips Reduce -9.7% 0.61% −0.09
CHRW C.H. Robinson Worldwide Inc. Reduce -37.5% 0.11% −0.08
VGIT Vanguard Intermediate-Term T Reduce -5.4% 0.67% −0.08
VEU Vanguard Ftse All-World Ex-U Sold out 0.00% −0.07
PDBC Invesco Optimum Yield Divers Sold out 0.00% −0.06
SPTS SS SPDR P St Term TSY ETF Reduce -6.9% 0.49% −0.05
CAT Caterpillar Inc. Sold out 0.00% −0.05
VBR Vngrd Mrngst SL-CP Val ETF-U Reduce -25.9% 0.12% −0.05
DEHP Dimensional Emrg MRK Hi Prof Reduce -23.6% 0.10% −0.05
DIHP Dimensional International Hi Reduce -0.5% 0.29% −0.03
DISV Dimensional International SM Reduce -2.8% 0.21% −0.03
MSTR Strategy Inc. Reduce -48.1% 0.07% −0.01
CVX Chevron Corp. Reduce -0.1% 0.13% −0.00
COST Costco Wholesale Corp. Reduce -3.3% 0.19% −0.00

Portfolio Buys Q3 2024 → Q4 2024
CTA Simplify Managed Futures St Add +131.5% 1.71% +1.01
SGOV iShares 0-3 Month Treasury B Add +23.7% 3.13% +0.55
SPY SS SPDR S&P 500 ETF Trust-US Add +285.9% 0.58% +0.43
VTI VG Morningstar TS MKT ETF-US Add +8.2% 4.51% +0.37
DFAT Dimensional US Target Value Add +12.2% 2.82% +0.27
DUSB Dimension Ultrashort Fi ETF Add +14.8% 2.40% +0.27
AAPL Apple Inc. Add +64.7% 0.58% +0.25
VGT Vanguard Info Tech ETF New 0.21% +0.21
DFSD Dimensional Short Duration Add +6.2% 7.95% +0.21
DBMF Imgp Dbi MFT STR ETF-Usd Inc. New 0.10% +0.10
IVV iShares Core S&P 500 ETF Add +41.3% 0.33% +0.10
VSS Vanguard Ftse All Wo X-US SC New 0.09% +0.09
IBIT iShares Bitcoin Trust ETF Add +6.3% 0.26% +0.09
HD Home Depot Inc. New 0.08% +0.08
DCOR Dimensional US Core Eq 1 ETF Add +3.8% 2.27% +0.08
TSLA Tesla Inc. Add +6.0% 0.20% +0.07
DFAE Dimensional Emerging Core Eq New 0.06% +0.06
JPM JPMorgan Chase & Co. New 0.05% +0.05
IAU iShares Gold Trust Add +4.8% 1.77% +0.05
DFIP Dimensional Inflation-Protec Add +13.4% 0.72% +0.05
OKE Oneok Inc. New 0.04% +0.04
LLY Eli Lilly & Co. Add +52.7% 0.16% +0.04
DFEM Dimensional Emrg MRKT Core Add +29.3% 0.24% +0.04
DFAI Dimensional International Co. Add +25.1% 0.30% +0.03
DFAS Dimensional US Small Cap ETF Add +4.0% 1.08% +0.03
GOOG Alphabet Inc. Class C Add +3.5% 0.18% +0.03
MSFT Microsoft Corp. Add +7.8% 0.66% +0.02
PG The Procter & Gamble Co. Add +18.8% 0.13% +0.02
GOOGL Alphabet Inc. Class A Add +0.1% 0.12% +0.01
NVDA Nvidia Corp. Add +0.4% 0.15% +0.01
JNJ Johnson & Johnson Add +26.5% 0.07% +0.01
DFAU Dimensional US Core Equity M Add +0.3% 0.46% +0.00
IWV iShares Russell 3000 ETF Add +0.3% 0.07% +0.00
SUB iShares Short-Term National Add +2.3% 0.26% 0.00
IBM Intl Business Machines Corp. Add +0.9% 0.05% −0.00
VCSH Vanguard S/T Corp. Bond ETF Add +0.1% 0.08% −0.00
BWX SS SPDR BB Intl Treasury BD Add +0.6% 0.05% −0.00
DFSV Dimensional US Small Cap Val Add +0.5% 0.43% −0.01
STIP iShares 0-5 Year Tips Bond E Add +0.0% 1.02% −0.02
DUHP Dimensional US High Profi Et Add +0.4% 1.21% −0.02
DFIC Dimensional International Co. Add +1.0% 0.31% −0.03
VTEB Vanguard Tax-Exempt Bond ETF Add +0.2% 1.73% −0.06
SCHO Schwab Short-Term US Treas Add +1.4% 5.43% −0.11
SCHP Schwab U.S. Tips ETF Add +1.4% 2.91% −0.12

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 112$634.5MDFAC, DFAX, DFSD, VTI, VBIL
Q1 2026 110$607.1MDFAC, DFAX, DFSD, VTI, VBIL
Q4 2025 97$580.2MDFAC, DFAX, DFSD, VTI, CDX
Q3 2025 94$546.7MDFAC, DFSD, DFAX, SGOV, VTI
Q2 2025 93$511.8MDFAC, DFSD, DFAX, SGOV, VTI
Q1 2025 91$470.3MDFAC, DFSD, DFAX, SCHO, SGOV
Q4 2024 93$459.6MDFAC, DFAX, DFSD, SCHO, VTI
Q3 2024 91$452.3MDFAC, DFAX, DFSD, SCHO, VTI
Q2 2024 84$416.6MDFAC, DFAX, SCHO, DFSD, VTI
Q1 2024 82$368.3MDFAC, DFAX, SCHO, BILS, VTI