Brightwater Advisory LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 12, 2026), Brightwater Advisory LLC reported 59 stock positions worth $148.0 million. Its top holding was Schwab Intl Equity ETF (SCHF) at 8.9% of the portfolio, followed by Schwab U.S. Tips ETF (SCHP, 6.6%) and SS SPDR S&P 500 ETF Trust-US (SPY, 5.9%). Compared with Q3 2025, it opened 2 new positions, sold out of 2, added to 16 and reduced 28. The biggest buy was a new position in Berkshire Hathaway Class B (BRK.B) and the biggest sale Aflac (AFL, shares −25%).
- Most Recent 13F
- Q2 2026
- Location
- TAMPA, FL
- CIK
- 0002034566
- Portfolio Value
- $148.0M (Q4 2025)
- SEC Filing
- 0002034566-26-000001 ↗ filed Feb 12, 2026
Holdings Value
Holdings 59 stocks · $148.0M
| SCHF Schwab Intl Equity ETF | 8.87% | 546,043 | $13.1M | Add +0.7% |
| SCHP Schwab U.S. Tips ETF | 6.55% | 366,094 | $9.7M | Add +3.3% |
| SPY SS SPDR S&P 500 ETF Trust-US | 5.92% | 12,842 | $8.8M | Reduce -0.9% |
| SCHB Schwab US Broad Market ETF | 5.79% | 326,449 | $8.6M | Reduce -0.2% |
| FNDB Schwab Fndmntl US BRD Mr ETF | 5.03% | 280,115 | $7.4M | Reduce -1.4% |
| VB Vanguard Most SM-Cap ETF-Usd | 4.31% | 24,719 | $6.4M | Reduce -0.2% |
| VIG Vanguard Dividend Apprec ETF | 4.30% | 28,983 | $6.4M | Reduce -0.1% |
| IWD iShares Russell 1000 Value E | 4.01% | 28,246 | $5.9M | No change |
| TIP iShares Tips Bond ETF | 3.83% | 51,505 | $5.7M | No change |
| SCHE Schwab Emrg Mrkts Eqty ETF | 3.55% | 160,459 | $5.3M | Add +0.2% |
| TFPN Blueprint Chspk Ma Trend ETF | 3.55% | 204,553 | $5.3M | Add +1.7% |
| IJK iShares S&P Mid-Cap 400 Grow | 3.02% | 46,138 | $4.5M | Reduce -0.3% |
| IJJ iShares S&P Mid-Cap 400 Valu | 2.93% | 32,989 | $4.3M | Reduce -0.2% |
| FNDA Schwab Fndmntl US SM Co. ETF | 2.91% | 136,881 | $4.3M | Reduce -2.0% |
| IWF iShares Russell 1000 Growth | 2.54% | 7,958 | $3.8M | Reduce -0.1% |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 2.41% | 78,974 | $3.6M | Add +3.4% |
| CGV Conductor Global Eq Val ETF | 2.31% | 232,121 | $3.4M | Add +2.9% |
| ACWX iShares MSCI Acwi Ex US ETF | 2.20% | 48,593 | $3.3M | Reduce -0.1% |
| VWO Vanguard Ftse Emerging Marke | 2.10% | 57,740 | $3.1M | Reduce -1.1% |
| RSP Invesco S&P 500 Equal Weight | 2.09% | 16,149 | $3.1M | Reduce -1.2% |
| IJH iShares Core S&P Midcap ETF | 1.88% | 42,114 | $2.8M | Add +3.9% |
| AAPL Apple Inc. | 1.65% | 8,966 | $2.4M | Reduce -9.9% |
| AFL Aflac Inc. | 1.50% | 20,192 | $2.2M | Reduce -24.6% |
| EFA iShares MSCI Eafe ETF | 1.45% | 22,417 | $2.2M | Reduce -0.5% |
| VONV Vanguard Russell 1000 Value | 1.17% | 18,786 | $1.7M | Add +9.6% |
| VTI VG Morningstar TS MKT ETF-US | 1.00% | 4,408 | $1.5M | Reduce -1.1% |
| MSFT Microsoft Corp. | 0.93% | 2,832 | $1.4M | Reduce -0.3% |
| SHY iShares 1-3 Year Treasury Bo | 0.89% | 15,990 | $1.3M | Add +0.3% |
| VT Vanguard Tot World STK ETF | 0.72% | 7,558 | $1.1M | Add +0.0% |
| NVDA Nvidia Corp. | 0.63% | 4,984 | $930K | No change |
| XSVM Invesco S&P Smallcap Value W | 0.55% | 14,166 | $809K | Add +8.7% |
| DWM Wisdomtree International Equ | 0.53% | 11,473 | $789K | Reduce -1.6% |
| JNJ Johnson & Johnson | 0.51% | 3,656 | $757K | No change |
| GOOGL Alphabet Inc. Class A | 0.49% | 2,300 | $720K | Reduce -3.5% |
| MDY State Street SPDR S&P Midcap | 0.48% | 1,177 | $710K | Reduce -1.8% |
| AMZN Amazon.com Inc. | 0.47% | 3,036 | $701K | Add +0.7% |
| IJR iShares Core S&P Small-Cap E | 0.47% | 5,790 | $696K | Reduce -1.6% |
| XOM Exxon Mobil Corp. | 0.46% | 5,640 | $679K | No change |
| JPM JPMorgan Chase & Co. | 0.46% | 2,106 | $679K | No change |
| XLF SS Financial Select Sector | 0.44% | 11,876 | $650K | Reduce -0.1% |
| GOOG Alphabet Inc. Class C | 0.42% | 1,983 | $622K | No change |
| ACWI iShares MSCI Acwi ETF | 0.40% | 4,208 | $595K | Reduce -0.7% |
| ILCB iShares Morningstar U.S. Equ | 0.37% | 5,831 | $550K | Reduce -2.1% |
| ITB iShares U.S. Home Constructi | 0.35% | 5,365 | $517K | No change |
| HD Home Depot Inc. | 0.34% | 1,484 | $511K | Add +0.1% |
| JMOM JPMorgan US Momentum Factor | 0.32% | 7,032 | $479K | Reduce -7.1% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.27% | 802 | $403K | New |
| VYM Vanguard High DVD Yield ETF | 0.26% | 2,674 | $384K | No change |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.24% | 1,703 | $361K | Reduce -4.2% |
| KO The Coca-Cola Co. | 0.24% | 5,117 | $358K | No change |
| CAT Caterpillar Inc. | 0.24% | 612 | $351K | Add +0.3% |
| CSCO Cisco Systems Inc. | 0.23% | 4,475 | $345K | No change |
| GLD SPDR Gold Shares | 0.23% | 855 | $339K | No change |
| VEU Vanguard Ftse All-World Ex-U | 0.22% | 4,492 | $330K | Reduce -2.6% |
| SCHG Schwab US Large-Cap Growth | 0.21% | 9,411 | $307K | Add +1.6% |
| VEA Vanguard Ftse Developed ETF | 0.21% | 4,870 | $304K | Add +2.6% |
| AEE Ameren Corporation | 0.20% | 3,000 | $300K | No change |
| IEI iShares 3-7 Year Treasury Bo | 0.18% | 2,259 | $270K | Reduce -0.3% |
| V Visa Inc. Class A | 0.14% | 573 | $201K | New |
Portfolio Sells Q3 2025 → Q4 2025
| AFL Aflac Inc. | Reduce -24.6% | 1.50% | −0.55 |
| BIV Vanguard Intermediate-Term B | Sold out | 0.00% | −0.16 |
| AAPL Apple Inc. | Reduce -9.9% | 1.65% | −0.09 |
| MSFT Microsoft Corp. | Reduce -0.3% | 0.93% | −0.08 |
| VWO Vanguard Ftse Emerging Marke | Reduce -1.1% | 2.10% | −0.08 |
| FNDA Schwab Fndmntl US SM Co. ETF | Reduce -2.0% | 2.91% | −0.07 |
| RSP Invesco S&P 500 Equal Weight | Reduce -1.2% | 2.09% | −0.04 |
| MDT Medtronic PLC | Sold out | 0.00% | −0.04 |
| JMOM JPMorgan US Momentum Factor | Reduce -7.1% | 0.32% | −0.03 |
| IJK iShares S&P Mid-Cap 400 Grow | Reduce -0.3% | 3.02% | −0.03 |
| IWF iShares Russell 1000 Growth | Reduce -0.1% | 2.54% | −0.02 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -0.2% | 4.31% | −0.02 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -0.9% | 5.92% | −0.01 |
| IJJ iShares S&P Mid-Cap 400 Valu | Reduce -0.2% | 2.93% | −0.01 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -4.2% | 0.24% | −0.01 |
| MDY State Street SPDR S&P Midcap | Reduce -1.8% | 0.48% | −0.01 |
| IJR iShares Core S&P Small-Cap E | Reduce -1.6% | 0.47% | −0.01 |
| ILCB iShares Morningstar U.S. Equ | Reduce -2.1% | 0.37% | −0.01 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -1.1% | 1.00% | −0.01 |
| IEI iShares 3-7 Year Treasury Bo | Reduce -0.3% | 0.18% | −0.00 |
| VEU Vanguard Ftse All-World Ex-U | Reduce -2.6% | 0.22% | −0.00 |
| XLF SS Financial Select Sector | Reduce -0.1% | 0.44% | −0.00 |
| ACWI iShares MSCI Acwi ETF | Reduce -0.7% | 0.40% | −0.00 |
| DWM Wisdomtree International Equ | Reduce -1.6% | 0.53% | +0.00 |
| FNDB Schwab Fndmntl US BRD Mr ETF | Reduce -1.4% | 5.03% | +0.01 |
| VIG Vanguard Dividend Apprec ETF | Reduce -0.1% | 4.30% | +0.01 |
| SCHB Schwab US Broad Market ETF | Reduce -0.2% | 5.79% | +0.01 |
| EFA iShares MSCI Eafe ETF | Reduce -0.5% | 1.45% | +0.01 |
| ACWX iShares MSCI Acwi Ex US ETF | Reduce -0.1% | 2.20% | +0.03 |
| GOOGL Alphabet Inc. Class A | Reduce -3.5% | 0.49% | +0.09 |
Portfolio Buys Q3 2025 → Q4 2025
| BRK.B Berkshire Hathaway Inc. Class B | New | 0.27% | +0.27 |
| SCHF Schwab Intl Equity ETF | Add +0.7% | 8.87% | +0.20 |
| FNDF Schwab Fndmn Intl LRG Co. ETF | Add +3.4% | 2.41% | +0.16 |
| V Visa Inc. Class A | New | 0.14% | +0.14 |
| TFPN Blueprint Chspk Ma Trend ETF | Add +1.7% | 3.55% | +0.12 |
| VONV Vanguard Russell 1000 Value | Add +9.6% | 1.17% | +0.12 |
| IJH iShares Core S&P Midcap ETF | Add +3.9% | 1.88% | +0.06 |
| XSVM Invesco S&P Smallcap Value W | Add +8.7% | 0.55% | +0.04 |
| CGV Conductor Global Eq Val ETF | Add +2.9% | 2.31% | +0.04 |
| CAT Caterpillar Inc. | Add +0.3% | 0.24% | +0.04 |
| AMZN Amazon.com Inc. | Add +0.7% | 0.47% | +0.02 |
| VEA Vanguard Ftse Developed ETF | Add +2.6% | 0.21% | +0.01 |
| VT Vanguard Tot World STK ETF | Add +0.0% | 0.72% | +0.01 |
| SCHG Schwab US Large-Cap Growth | Add +1.6% | 0.21% | +0.00 |
| SCHP Schwab U.S. Tips ETF | Add +3.3% | 6.55% | −0.00 |
| SHY iShares 1-3 Year Treasury Bo | Add +0.3% | 0.89% | −0.01 |
| HD Home Depot Inc. | Add +0.1% | 0.34% | −0.07 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Add +0.2% | 3.55% | −0.12 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 59 | $158.3M | SCHF, SCHP, SCHB, SPY, FNDB |
| Q1 2026 | 60 | $151.2M | SCHF, SCHP, SCHB, SPY, FNDB |
| Q4 2025 | 59 | $148.0M | SCHF, SCHP, SPY, SCHB, FNDB |
| Q3 2025 | 59 | $145.6M | SCHF, SCHP, SPY, SCHB, FNDB |
| Q2 2025Amended | 61 | $139.1M | SCHF, SCHP, SPY, SCHB, FNDB |
| Q1 2025Amended | 60 | $126.4M | SCHF, SCHP, SPY, FNDB, VIG |
| Q4 2024 | 58 | $127.6M | SCHF, SCHP, SPY, FNDB, VIG |
| Q3 2024 | 60 | $135.9M | SCHF, SCHP, SPY, FNDB, VIG |
| Q2 2024 | 62 | $129.5M | SCHF, SCHP, SPY, FNDB, VIG |
| Q1 2024 | 56 | $124.5M | SCHF, FNDB, SPY, VIG, SCHP |