Altiora Financial Group, LLC

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 12, 2026), Altiora Financial Group, LLC reported 97 stock positions worth $580.2 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 19.8% of the portfolio, followed by Dimensional World Ex US Core (DFAX, 8.1%) and Dimensional Short Duration (DFSD, 8.1%). Compared with Q3 2025, it opened 6 new positions, sold out of 3, added to 29 and reduced 27. The biggest buy was a new position in Vanguard 0-3M T-Bill ETF (VBIL) and the biggest sale Schwab Short-Term US Treas (SCHO, shares −62%).

Most Recent 13F
Q2 2026
Location
LEBANON, OH
CIK
0001986156
Portfolio Value
$580.2M (Q4 2025)
SEC Filing
0001986156-26-000001 ↗ filed Feb 12, 2026

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 Q3 2025 Q4 2025: $580.2M $580.2M Q4 2025 Q1 2026: $607.1M Q1 2026 Q2 2026: $634.5M Q2 2026

Holdings 97 stocks · $580.2M
DFAC Dimensional US Core Equity 2 19.80% 2,901,645 $114.9M Reduce -2.1%
DFAX Dimensional World Ex US Core 8.09% 1,434,864 $47.0M Reduce -0.7%
DFSD Dimensional Short Duration 8.05% 974,467 $46.7M Add +1.6%
VTI VG Morningstar TS MKT ETF-US 4.91% 84,947 $28.5M Add +5.2%
CDX Simplify High Yield ETF 4.12% 1,074,402 $23.9M Add +6.9%
VBIL Vanguard 0-3M T-Bill ETF 4.01% 308,137 $23.2M New
SGOV iShares 0-3 Month Treasury B 3.78% 218,567 $21.9M Reduce -30.6%
CTA Simplify Managed Futures St 3.12% 664,457 $18.1M Add +35.3%
SCHR Schwab Intermediate-Term US 2.78% 644,296 $16.2M Add +1.4%
DCOR Dimensional US Core Eq 1 ETF 2.63% 207,528 $15.3M Add +3.3%
DFAT Dimensional US Target Value 2.42% 236,153 $14.1M Reduce -0.7%
SCHP Schwab U.S. Tips ETF 2.32% 507,169 $13.4M Add +2.4%
DFUV Dimensional US Marketwide Va 2.24% 278,793 $13.0M Reduce -5.0%
SUB iShares Short-Term National 1.80% 97,867 $10.4M Add +352.3%
VTEB Vanguard Tax-Exempt Bond ETF 1.77% 204,478 $10.3M Add +8.9%
DFIV Dimensional International Va 1.59% 185,313 $9.2M No change
DUSB Dimension Ultrashort Fi ETF 1.56% 178,632 $9.0M Reduce -10.5%
DFUS Dimensional US Eq MKT ETF 1.43% 111,570 $8.3M No change
SCHO Schwab Short-Term US Treas 1.42% 339,011 $8.3M Reduce -61.6%
VXUS Vanguard Total Intl Stock 1.14% 87,982 $6.6M Add +4.0%
BOXX Alpha Architect 1-3 MNTH Box 1.14% 57,645 $6.6M New
VUG Vanguard Mrngstar GR ETF-Sui 1.11% 13,174 $6.4M Add +23.4%
BILS SS Spdrb B 3-12M T-Bill ETF 1.06% 62,165 $6.2M Reduce -32.7%
DUHP Dimensional US High Profi Et 1.06% 162,084 $6.2M Reduce -2.3%
IAU iShares Gold Trust 0.90% 64,394 $5.2M Reduce -14.2%
STIP iShares 0-5 Year Tips Bond E 0.90% 50,984 $5.2M Add +2.9%
VGSH Vanguard Short-Term Treasury 0.88% 86,955 $5.1M Add +4.7%
VTEC Vanguard Ca Tax-Ex Bond 0.86% 50,000 $5.0M New
DFAS Dimensional US Small Cap ETF 0.82% 68,074 $4.7M Reduce -0.1%
VTES Vanguard SH Term Tax-Ex Bond 0.77% 44,151 $4.5M Add +8.4%
MSFT Microsoft Corp. 0.59% 7,095 $3.4M No change
DFAI Dimensional International Co. 0.58% 88,579 $3.4M Add +1.8%
DFIP Dimensional Inflation-Protec 0.56% 78,596 $3.3M Reduce -4.4%
DIHP Dimensional International Hi 0.56% 102,214 $3.2M Reduce -3.2%
DFAU Dimensional US Core Equity M 0.50% 62,372 $2.9M Add +7.5%
VGIT Vanguard Intermediate-Term T 0.49% 47,534 $2.8M Add +7.3%
AAPL Apple Inc. 0.48% 10,201 $2.8M Reduce -4.1%
GOVT iShares US Treasury Bond ETF 0.42% 106,475 $2.5M New
VTIP Vanguard Short-Term Tips 0.40% 46,844 $2.3M Reduce -6.7%
TSLA Tesla Inc. 0.39% 5,062 $2.3M Reduce -7.4%
SPTS SS SPDR P St Term TSY ETF 0.39% 77,488 $2.3M Add +0.3%
HIGH Simplify Enhanced Income ETF 0.34% 88,800 $2.0M New
IVV iShares Core S&P 500 ETF 0.30% 2,557 $1.8M Reduce -2.5%
SCHJ Schwab 1-5 YR Corp. BND ETF 0.30% 69,420 $1.7M No change
IWN iShares Russell 2000 Value E 0.24% 7,831 $1.4M No change
DFIC Dimensional International Co. 0.24% 41,086 $1.4M Add +6.8%
AMZN Amazon.com Inc. 0.24% 6,040 $1.4M Reduce -24.9%
GOOG Alphabet Inc. Class C 0.23% 4,185 $1.3M Add +0.0%
DISV Dimensional International SM 0.20% 31,176 $1.2M Add +0.2%
DFSU Dimensional US Sus CORE1 ETF 0.19% 26,000 $1.1M No change
VPU Vanguard Utilities ETF 0.18% 5,650 $1.0M No change
BILL Bill Holdings Inc. 0.18% 19,000 $1.0M Reduce -45.1%
LLY Eli Lilly & Co. 0.17% 903 $970K Reduce -4.3%
GOOGL Alphabet Inc. Class A 0.16% 3,039 $951K Add +3.4%
DFEM Dimensional Emrg MRKT Core 0.15% 25,938 $858K Add +2.7%
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.14% 15,010 $826K No change
DFEV Dimensional Emrg MRKT Val 0.13% 22,676 $765K No change
MUB iShares National Muni Bond E 0.13% 7,071 $757K Add +0.3%
COST Costco Wholesale Corp. 0.13% 875 $755K No change
VTV Vanguard Mrngstr Val ETF-Aui 0.12% 3,540 $676K Reduce -2.1%
CVX Chevron Corp. 0.11% 4,112 $627K No change
GLD SPDR Gold Shares 0.11% 1,560 $618K No change
VSS Vanguard Ftse All Wo X-US SC 0.09% 3,748 $537K No change
DFAE Dimensional Emerging Core Eq 0.09% 16,349 $532K Add +0.1%
SCMB Schwab Municipal Bond ETF 0.09% 20,000 $515K No change
IBIT iShares Bitcoin Trust ETF 0.09% 10,190 $506K No change
SPSB SS SPDR P St C Corp. ETF 0.09% 16,751 $506K Add +1.3%
MLPX Global X MLP & Energy Infras 0.08% 8,050 $487K Add +151.6%
AVIV Avantis Intl LRG Cap Val ETF 0.08% 6,800 $484K No change
MCHI iShares MSCI China ETF 0.08% 7,990 $480K No change
SPY SS SPDR S&P 500 ETF Trust-US 0.08% 688 $469K Add +0.3%
VB Vanguard Most SM-Cap ETF-Usd 0.07% 1,603 $414K No change
IJS iShares S&P Small-Cap 600 Va 0.07% 3,466 $394K No change
DFSI Dimensional Int Sus COR1 ETF 0.07% 9,100 $390K No change
IWV iShares Russell 3000 ETF 0.06% 967 $374K No change
AVLV Avantis US Large Cap Value 0.06% 4,890 $371K No change
JNJ Johnson & Johnson 0.06% 1,788 $370K No change
VCSH Vanguard S/T Corp. Bond ETF 0.06% 4,641 $370K Add +1.1%
PG The Procter & Gamble Co. 0.06% 2,563 $367K No change
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.06% 1,100 $346K No change
UNH Unitedhealth Group Inc. 0.06% 1,038 $343K No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.05% 1,032 $306K No change
VBR Vngrd Mrngst SL-CP Val ETF-U 0.05% 1,441 $305K Reduce -49.6%
B Barrick Mining Corp. 0.05% 6,900 $300K No change
META Meta Platforms Inc. Class A 0.05% 440 $290K No change
WMT Walmart Inc. 0.05% 2,431 $271K No change
JPM JPMorgan Chase & Co. 0.05% 835 $269K Reduce -6.6%
NEM Newmont Corp. 0.05% 2,647 $264K No change
VEU Vanguard Ftse All-World Ex-U 0.04% 3,410 $251K No change
NVDA Nvidia Corp. 0.04% 1,338 $250K Reduce -74.9%
IUSB Ishr CR Unvrse Usd BD ETF-Ui 0.04% 4,964 $231K No change
CAT Caterpillar Inc. 0.04% 400 $229K Reduce -12.5%
AEM Agnico Eagle Mines Ltd. 0.04% 1,311 $222K New
CTAS Cintas Corp. 0.04% 1,178 $221K Reduce -18.3%
NFLX Netflix Inc. 0.04% 2,350 $220K No change
VIG Vanguard Dividend Apprec ETF 0.04% 965 $212K No change
DFSV Dimensional US Small Cap Val 0.04% 6,376 $210K Reduce -3.1%

Portfolio Sells Q3 2025 → Q4 2025
SCHO Schwab Short-Term US Treas Reduce -61.6% 1.42% −2.52
SGOV iShares 0-3 Month Treasury B Reduce -30.6% 3.78% −2.02
DFAC Dimensional US Core Equity 2 Reduce -2.1% 19.80% −1.12
BILS SS Spdrb B 3-12M T-Bill ETF Reduce -32.7% 1.06% −0.62
DUSB Dimension Ultrashort Fi ETF Reduce -10.5% 1.56% −0.30
DFAX Dimensional World Ex US Core Reduce -0.7% 8.09% −0.20
DFUV Dimensional US Marketwide Va Reduce -5.0% 2.24% −0.16
BILL Bill Holdings Inc. Reduce -45.1% 0.18% −0.16
NVDA Nvidia Corp. Reduce -74.9% 0.04% −0.14
DFAT Dimensional US Target Value Reduce -0.7% 2.42% −0.11
IAU iShares Gold Trust Reduce -14.2% 0.90% −0.10
DUHP Dimensional US High Profi Et Reduce -2.3% 1.06% −0.08
AMZN Amazon.com Inc. Reduce -24.9% 0.24% −0.08
VOE Vngrd Mrngstr MD-Cap Val ETF Sold out 0.00% −0.08
DFIP Dimensional Inflation-Protec Reduce -4.4% 0.56% −0.07
PLTR Palantir Technologies Inc. Class A Sold out 0.00% −0.07
VTIP Vanguard Short-Term Tips Reduce -6.7% 0.40% −0.07
VBR Vngrd Mrngst SL-CP Val ETF-U Reduce -49.6% 0.05% −0.06
TSLA Tesla Inc. Reduce -7.4% 0.39% −0.05
QIS Simplify Multi-Qis Alt ETF Sold out 0.00% −0.05
DFAS Dimensional US Small Cap ETF Reduce -0.1% 0.82% −0.04
DIHP Dimensional International Hi Reduce -3.2% 0.56% −0.03
IVV iShares Core S&P 500 ETF Reduce -2.5% 0.30% −0.02
AAPL Apple Inc. Reduce -4.1% 0.48% −0.02
CTAS Cintas Corp. Reduce -18.3% 0.04% −0.02
VTV Vanguard Mrngstr Val ETF-Aui Reduce -2.1% 0.12% −0.01
JPM JPMorgan Chase & Co. Reduce -6.6% 0.05% −0.01
DFSV Dimensional US Small Cap Val Reduce -3.1% 0.04% −0.00
CAT Caterpillar Inc. Reduce -12.5% 0.04% −0.00
LLY Eli Lilly & Co. Reduce -4.3% 0.17% +0.04

Portfolio Buys Q3 2025 → Q4 2025
VBIL Vanguard 0-3M T-Bill ETF New 4.01% +4.01
SUB iShares Short-Term National Add +352.3% 1.80% +1.38
BOXX Alpha Architect 1-3 MNTH Box New 1.14% +1.14
VTEC Vanguard Ca Tax-Ex Bond New 0.86% +0.86
CTA Simplify Managed Futures St Add +35.3% 3.12% +0.61
GOVT iShares US Treasury Bond ETF New 0.42% +0.42
HIGH Simplify Enhanced Income ETF New 0.34% +0.34
VUG Vanguard Mrngstar GR ETF-Sui Add +23.4% 1.11% +0.17
VTI VG Morningstar TS MKT ETF-US Add +5.2% 4.91% +0.06
VTEB Vanguard Tax-Exempt Bond ETF Add +8.9% 1.77% +0.05
MLPX Global X MLP & Energy Infras Add +151.6% 0.08% +0.05
GOOG Alphabet Inc. Class C Add +0.0% 0.23% +0.04
AEM Agnico Eagle Mines Ltd. New 0.04% +0.04
GOOGL Alphabet Inc. Class A Add +3.4% 0.16% +0.03
DFAU Dimensional US Core Equity M Add +7.5% 0.50% +0.02
VTES Vanguard SH Term Tax-Ex Bond Add +8.4% 0.77% +0.01
DFIC Dimensional International Co. Add +6.8% 0.24% +0.01
VXUS Vanguard Total Intl Stock Add +4.0% 1.14% +0.01
VGIT Vanguard Intermediate-Term T Add +7.3% 0.49% +0.00
DFAI Dimensional International Co. Add +1.8% 0.58% +0.00
DISV Dimensional International SM Add +0.2% 0.20% +0.00
DFEM Dimensional Emrg MRKT Core Add +2.7% 0.15% −0.00
DFAE Dimensional Emerging Core Eq Add +0.1% 0.09% −0.00
SPY SS SPDR S&P 500 ETF Trust-US Add +0.3% 0.08% −0.00
VCSH Vanguard S/T Corp. Bond ETF Add +1.1% 0.06% −0.00
SPSB SS SPDR P St C Corp. ETF Add +1.3% 0.09% −0.00
MUB iShares National Muni Bond E Add +0.3% 0.13% −0.01
DCOR Dimensional US Core Eq 1 ETF Add +3.3% 2.63% −0.01
VGSH Vanguard Short-Term Treasury Add +4.7% 0.88% −0.01
SPTS SS SPDR P St Term TSY ETF Add +0.3% 0.39% −0.02
STIP iShares 0-5 Year Tips Bond E Add +2.9% 0.90% −0.04
CDX Simplify High Yield ETF Add +6.9% 4.12% −0.09
SCHP Schwab U.S. Tips ETF Add +2.4% 2.32% −0.13
SCHR Schwab Intermediate-Term US Add +1.4% 2.78% −0.14
DFSD Dimensional Short Duration Add +1.6% 8.05% −0.40

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