Altiora Financial Group, LLC

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 5, 2025), Altiora Financial Group, LLC reported 94 stock positions worth $546.7 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 20.9% of the portfolio, followed by Dimensional Short Duration (DFSD, 8.5%) and Dimensional World Ex US Core (DFAX, 8.3%). Compared with Q2 2025, it opened 5 new positions, sold out of 4, added to 28 and reduced 33. The biggest buy was Simplify High Yield ETF (CDX, shares +301%) and the biggest sale SS SPDR S&P 500 ETF Trust-US (SPY, shares −85%).

Most Recent 13F
Q2 2026
Location
LEBANON, OH
CIK
0001986156
Portfolio Value
$546.7M (Q3 2025)
SEC Filing
0001986156-25-000009 ↗ filed Nov 5, 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 Q4 2024 Q1 2025: $470.3M Q1 2025 Q2 2025: $511.8M Q2 2025 Q3 2025: $546.7M $546.7M Q3 2025 Q4 2025: $580.2M Q4 2025 Q1 2026: $607.1M Q1 2026 Q2 2026: $634.5M Q2 2026

Holdings 94 stocks · $546.7M
DFAC Dimensional US Core Equity 2 20.92% 2,964,605 $114.3M Reduce -1.6%
DFSD Dimensional Short Duration 8.45% 959,102 $46.2M Add +0.2%
DFAX Dimensional World Ex US Core 8.30% 1,445,271 $45.4M Reduce -1.3%
SGOV iShares 0-3 Month Treasury B 5.80% 314,779 $31.7M Add +0.8%
VTI VG Morningstar TS MKT ETF-US 4.85% 80,769 $26.5M Reduce -5.7%
CDX Simplify High Yield ETF 4.21% 1,005,361 $23.0M Add +301.5%
SCHO Schwab Short-Term US Treas 3.94% 882,842 $21.5M Reduce -3.7%
SCHR Schwab Intermediate-Term US 2.92% 635,247 $16.0M Add +0.5%
DCOR Dimensional US Core Eq 1 ETF 2.65% 200,998 $14.5M Reduce -1.8%
DFAT Dimensional US Target Value 2.53% 237,832 $13.8M Reduce -2.2%
CTA Simplify Managed Futures St 2.51% 491,278 $13.7M Add +24.1%
SCHP Schwab U.S. Tips ETF 2.44% 495,074 $13.3M Add +0.0%
DFUV Dimensional US Marketwide Va 2.40% 293,499 $13.1M Reduce -3.3%
DUSB Dimension Ultrashort Fi ETF 1.85% 199,672 $10.1M Reduce -4.6%
VTEB Vanguard Tax-Exempt Bond ETF 1.72% 187,830 $9.4M Add +7.8%
BILS SS Spdrb B 3-12M T-Bill ETF 1.68% 92,419 $9.2M Reduce -1.4%
DFIV Dimensional International Va 1.56% 185,313 $8.5M Reduce -0.6%
DFUS Dimensional US Eq MKT ETF 1.48% 111,570 $8.1M No change
DUHP Dimensional US High Profi Et 1.15% 165,872 $6.3M Add +0.3%
VXUS Vanguard Total Intl Stock 1.14% 84,578 $6.2M Reduce -2.6%
IAU iShares Gold Trust 1.00% 75,026 $5.5M Add +0.3%
VUG Vanguard Mrngstar GR ETF-Sui 0.94% 10,675 $5.1M Add +1.4%
STIP iShares 0-5 Year Tips Bond E 0.94% 49,532 $5.1M Add +0.3%
VGSH Vanguard Short-Term Treasury 0.89% 83,094 $4.9M Add +0.5%
DFAS Dimensional US Small Cap ETF 0.85% 68,106 $4.7M Reduce -9.6%
VTES Vanguard SH Term Tax-Ex Bond 0.76% 40,731 $4.2M Add +4.9%
MSFT Microsoft Corp. 0.67% 7,095 $3.7M Reduce -0.9%
DFIP Dimensional Inflation-Protec 0.64% 82,231 $3.5M Add +0.3%
DIHP Dimensional International Hi 0.59% 105,610 $3.2M Add +79.1%
DFAI Dimensional International Co. 0.58% 87,027 $3.2M Add +8.2%
AAPL Apple Inc. 0.50% 10,637 $2.7M Add +0.4%
VGIT Vanguard Intermediate-Term T 0.49% 44,280 $2.7M Add +9.2%
DFAU Dimensional US Core Equity M 0.49% 58,035 $2.7M Add +0.2%
VTIP Vanguard Short-Term Tips 0.46% 50,196 $2.5M Add +1.3%
TSLA Tesla Inc. 0.44% 5,466 $2.4M Add +8.0%
SUB iShares Short-Term National 0.42% 21,638 $2.3M Add +10.9%
SPTS SS SPDR P St Term TSY ETF 0.41% 77,283 $2.3M Reduce -0.8%
BILL Bill Holdings Inc. 0.34% 34,612 $1.8M No change
AMZN Amazon.com Inc. 0.32% 8,040 $1.8M No change
IVV iShares Core S&P 500 ETF 0.32% 2,622 $1.8M Reduce -3.2%
SCHJ Schwab 1-5 YR Corp. BND ETF 0.32% 69,420 $1.7M No change
IWN iShares Russell 2000 Value E 0.25% 7,831 $1.4M No change
DFIC Dimensional International Co. 0.23% 38,470 $1.3M Reduce -30.7%
DISV Dimensional International SM 0.20% 31,113 $1.1M Reduce -3.3%
DFSU Dimensional US Sus CORE1 ETF 0.20% 26,000 $1.1M No change
VPU Vanguard Utilities ETF 0.20% 5,650 $1.1M No change
GOOG Alphabet Inc. Class C 0.19% 4,184 $1.0M Reduce -3.4%
NVDA Nvidia Corp. 0.18% 5,338 $996K Reduce -0.4%
DFEM Dimensional Emrg MRKT Core 0.15% 25,265 $810K Reduce -41.8%
COST Costco Wholesale Corp. 0.15% 875 $810K Reduce -8.6%
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.14% 15,010 $774K No change
MUB iShares National Muni Bond E 0.14% 7,046 $750K Add +0.3%
DFEV Dimensional Emrg MRKT Val 0.13% 22,676 $723K No change
LLY Eli Lilly & Co. 0.13% 944 $720K No change
GOOGL Alphabet Inc. Class A 0.13% 2,938 $714K Add +0.1%
VTV Vanguard Mrngstr Val ETF-Aui 0.12% 3,615 $674K Add +8.2%
IBIT iShares Bitcoin Trust ETF 0.12% 10,190 $662K No change
CVX Chevron Corp. 0.12% 4,112 $639K Reduce -0.1%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.11% 2,860 $597K No change
GLD SPDR Gold Shares 0.10% 1,560 $555K Reduce -3.1%
VSS Vanguard Ftse All Wo X-US SC 0.10% 3,748 $534K No change
MCHI iShares MSCI China ETF 0.10% 7,990 $526K New
DFAE Dimensional Emerging Core Eq 0.09% 16,326 $515K Add +0.2%
SCMB Schwab Municipal Bond ETF 0.09% 20,000 $512K No change
SPSB SS SPDR P St C Corp. ETF 0.09% 16,529 $501K Add +1.0%
AVIV Avantis Intl LRG Cap Val ETF 0.08% 6,800 $459K No change
SPY SS SPDR S&P 500 ETF Trust-US 0.08% 686 $457K Reduce -84.8%
VOE Vngrd Mrngstr MD-Cap Val ETF 0.08% 2,422 $423K No change
VB Vanguard Most SM-Cap ETF-Usd 0.07% 1,603 $408K Reduce -1.7%
PG The Procter & Gamble Co. 0.07% 2,563 $394K No change
IJS iShares S&P Small-Cap 600 Va 0.07% 3,466 $383K No change
DFSI Dimensional Int Sus COR1 ETF 0.07% 9,100 $373K No change
VCSH Vanguard S/T Corp. Bond ETF 0.07% 4,590 $367K No change
IWV iShares Russell 3000 ETF 0.07% 967 $366K No change
PLTR Palantir Technologies Inc. Class A 0.07% 2,000 $365K No change
UNH Unitedhealth Group Inc. 0.07% 1,038 $358K Reduce -3.7%
AVLV Avantis US Large Cap Value 0.06% 4,890 $353K Reduce -19.9%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.06% 1,100 $339K No change
JNJ Johnson & Johnson 0.06% 1,788 $332K No change
META Meta Platforms Inc. Class A 0.06% 440 $323K Reduce -0.5%
CTAS Cintas Corp. 0.05% 1,442 $296K Add +0.1%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.05% 1,032 $291K Reduce -0.9%
JPM JPMorgan Chase & Co. 0.05% 894 $282K Reduce -1.5%
NFLX Netflix Inc. 0.05% 235 $282K No change
QIS Simplify Multi-Qis Alt ETF 0.05% 13,631 $261K Reduce -41.1%
WMT Walmart Inc. 0.05% 2,431 $251K Reduce -15.1%
VEU Vanguard Ftse All-World Ex-U 0.04% 3,410 $243K No change
IUSB Ishr CR Unvrse Usd BD ETF-Ui 0.04% 4,964 $232K No change
B Barrick Mining Corp. 0.04% 6,900 $226K New
NEM Newmont Corp. 0.04% 2,647 $223K New
CAT Caterpillar Inc. 0.04% 457 $218K New
DFSV Dimensional US Small Cap Val 0.04% 6,582 $210K Reduce -88.5%
VIG Vanguard Dividend Apprec ETF 0.04% 965 $208K New
MLPX Global X MLP & Energy Infras 0.04% 3,200 $201K No change

Portfolio Sells Q2 2025 → Q3 2025
SPY SS SPDR S&P 500 ETF Trust-US Reduce -84.8% 0.08% −0.46
SCHO Schwab Short-Term US Treas Reduce -3.7% 3.94% −0.43
DFSV Dimensional US Small Cap Val Reduce -88.5% 0.04% −0.29
VTI VG Morningstar TS MKT ETF-US Reduce -5.7% 4.85% −0.24
VGT Vanguard Info Tech ETF Sold out 0.00% −0.22
DUSB Dimension Ultrashort Fi ETF Reduce -4.6% 1.85% −0.22
DFAC Dimensional US Core Equity 2 Reduce -1.6% 20.92% −0.19
BILS SS Spdrb B 3-12M T-Bill ETF Reduce -1.4% 1.68% −0.14
DFUV Dimensional US Marketwide Va Reduce -3.3% 2.40% −0.11
DFAX Dimensional World Ex US Core Reduce -1.3% 8.30% −0.11
DFIC Dimensional International Co. Reduce -30.7% 0.23% −0.11
DFEM Dimensional Emrg MRKT Core Reduce -41.8% 0.15% −0.10
DFSB Dim GLB Sustain Fix Inc. ETF Sold out 0.00% −0.10
DFAS Dimensional US Small Cap ETF Reduce -9.6% 0.85% −0.08
LKQ LKQ Corp. Sold out 0.00% −0.06
CHRW C.H. Robinson Worldwide Inc. Sold out 0.00% −0.05
QIS Simplify Multi-Qis Alt ETF Reduce -41.1% 0.05% −0.05
COST Costco Wholesale Corp. Reduce -8.6% 0.15% −0.04
VXUS Vanguard Total Intl Stock Reduce -2.6% 1.14% −0.04
SPTS SS SPDR P St Term TSY ETF Reduce -0.8% 0.41% −0.03
DFAT Dimensional US Target Value Reduce -2.2% 2.53% −0.03
DCOR Dimensional US Core Eq 1 ETF Reduce -1.8% 2.65% −0.03
MSFT Microsoft Corp. Reduce -0.9% 0.67% −0.02
AVLV Avantis US Large Cap Value Reduce -19.9% 0.06% −0.02
WMT Walmart Inc. Reduce -15.1% 0.05% −0.01
IVV iShares Core S&P 500 ETF Reduce -3.2% 0.32% −0.01
IBM Intl Business Machines Corp. Reduce -0.9% 0.05% −0.01
META Meta Platforms Inc. Class A Reduce -0.5% 0.06% −0.00
DISV Dimensional International SM Reduce -3.3% 0.20% −0.00
VB Vanguard Most SM-Cap ETF-Usd Reduce -1.7% 0.07% −0.00
UNH Unitedhealth Group Inc. Reduce -3.7% 0.07% −0.00
JPM JPMorgan Chase & Co. Reduce -1.5% 0.05% +0.00
CVX Chevron Corp. Reduce -0.1% 0.12% +0.00
DFIV Dimensional International Va Reduce -0.6% 1.56% +0.00
GLD SPDR Gold Shares Reduce -3.1% 0.10% +0.01
NVDA Nvidia Corp. Reduce -0.4% 0.18% +0.02
GOOG Alphabet Inc. Class C Reduce -3.4% 0.19% +0.04

Portfolio Buys Q2 2025 → Q3 2025
CDX Simplify High Yield ETF Add +301.5% 4.21% +3.07
CTA Simplify Managed Futures St Add +24.1% 2.51% +0.45
DIHP Dimensional International Hi Add +79.1% 0.59% +0.25
TSLA Tesla Inc. Add +8.0% 0.44% +0.13
MCHI iShares MSCI China ETF New 0.10% +0.10
IAU iShares Gold Trust Add +0.3% 1.00% +0.09
AAPL Apple Inc. Add +0.4% 0.50% +0.07
VTEB Vanguard Tax-Exempt Bond ETF Add +7.8% 1.72% +0.05
B Barrick Mining Corp. New 0.04% +0.04
NEM Newmont Corp. New 0.04% +0.04
CAT Caterpillar Inc. New 0.04% +0.04
VIG Vanguard Dividend Apprec ETF New 0.04% +0.04
DFAI Dimensional International Co. Add +8.2% 0.58% +0.04
VUG Vanguard Mrngstar GR ETF-Sui Add +1.4% 0.94% +0.03
GOOGL Alphabet Inc. Class A Add +0.1% 0.13% +0.03
SUB iShares Short-Term National Add +10.9% 0.42% +0.02
VGIT Vanguard Intermediate-Term T Add +9.2% 0.49% +0.01
VTV Vanguard Mrngstr Val ETF-Aui Add +8.2% 0.12% +0.01
DFAU Dimensional US Core Equity M Add +0.2% 0.49% +0.01
DFAE Dimensional Emerging Core Eq Add +0.2% 0.09% +0.00
DUHP Dimensional US High Profi Et Add +0.3% 1.15% −0.00
SPSB SS SPDR P St C Corp. ETF Add +1.0% 0.09% −0.00
MUB iShares National Muni Bond E Add +0.3% 0.14% −0.01
VTES Vanguard SH Term Tax-Ex Bond Add +4.9% 0.76% −0.01
CTAS Cintas Corp. Add +0.1% 0.05% −0.01
VTIP Vanguard Short-Term Tips Add +1.3% 0.46% −0.02
DFIP Dimensional Inflation-Protec Add +0.3% 0.64% −0.03
VGSH Vanguard Short-Term Treasury Add +0.5% 0.89% −0.05
STIP iShares 0-5 Year Tips Bond E Add +0.3% 0.94% −0.06
SCHP Schwab U.S. Tips ETF Add +0.0% 2.44% −0.14
SCHR Schwab Intermediate-Term US Add +0.5% 2.92% −0.17
SGOV iShares 0-3 Month Treasury B Add +0.8% 5.80% −0.34
DFSD Dimensional Short Duration Add +0.2% 8.45% −0.52

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