Bull Oak Capital, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 10, 2025), Bull Oak Capital, LLC reported 32 stock positions worth $235.4 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 30.7% of the portfolio, followed by iShares Core MSCI Eafe ETF (IEFA, 13.2%) and iShares 0-1 Year Treasury Bo (SHV, 10.0%). Compared with Q2 2025, it opened 2 new positions, sold out of 2, added to 10 and reduced 11. The biggest buy was Invesco S&P 500 Momentum ETF (SPMO, shares +30%) and the biggest sale iShares 0-3 Month Treasury B (SGOV, shares −15%).
- Most Recent 13F
- Q2 2026
- Location
- RANCHO SANTA FE, CA
- CIK
- 0001824263
- Portfolio Value
- $235.4M (Q3 2025)
- SEC Filing
- 0001824263-25-000008 ↗ filed Nov 10, 2025
Holdings Value
Holdings 32 stocks · $235.4M
| IVV iShares Core S&P 500 ETF | 30.72% | 108,076 | $72.3M | Add +3.3% |
| IEFA iShares Core MSCI Eafe ETF | 13.22% | 356,535 | $31.1M | Add +0.7% |
| SHV iShares 0-1 Year Treasury Bo | 10.03% | 213,689 | $23.6M | Reduce -1.1% |
| SPMO Invesco S&P 500 Momentum ETF | 7.61% | 148,095 | $17.9M | Add +30.4% |
| VTI VG Morningstar TS MKT ETF-US | 6.40% | 45,912 | $15.1M | Add +12.1% |
| AVUS Avantis U.S. Equity ETF | 4.78% | 103,500 | $11.3M | Reduce -8.8% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 4.04% | 121,317 | $9.5M | Reduce -0.9% |
| SGOV iShares 0-3 Month Treasury B | 3.56% | 83,184 | $8.4M | Reduce -14.7% |
| IAU iShares Gold Trust | 2.96% | 95,889 | $7.0M | Reduce -0.3% |
| AVDV Avantis Intl S/C Value ETF | 2.78% | 73,646 | $6.6M | Reduce -4.1% |
| BSV Vanguard Short-Term Bond ETF | 2.20% | 65,605 | $5.2M | Add +3.4% |
| IBIT iShares Bitcoin Trust ETF | 1.92% | 69,604 | $4.5M | Add +1.6% |
| SPAB SS SPDR P Agg Bond ETF | 1.53% | 139,053 | $3.6M | Add +2.0% |
| GOVT iShares US Treasury Bond ETF | 1.48% | 150,264 | $3.5M | Add +2.8% |
| AVUV Avantis US Small Cap Value | 1.41% | 33,397 | $3.3M | Reduce -34.0% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.32% | 10,567 | $3.1M | Reduce -26.1% |
| SCHX Schwab US Large-Cap ETF | 0.95% | 84,637 | $2.2M | No change |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.61% | 2,981 | $1.4M | No change |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.44% | 5,606 | $1.0M | No change |
| MSFT Microsoft Corp. | 0.33% | 1,495 | $774K | Reduce -0.7% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.29% | 1,025 | $683K | Add +0.1% |
| INTU Intuit Inc. | 0.25% | 855 | $584K | Reduce -2.6% |
| ADBE Adobe Inc. | 0.14% | 959 | $338K | No change |
| AAPL Apple Inc. | 0.14% | 1,269 | $323K | Add +18.7% |
| CTAS Cintas Corp. | 0.13% | 1,444 | $296K | New |
| NVDA Nvidia Corp. | 0.13% | 1,585 | $296K | No change |
| CRM Salesforce Inc. | 0.12% | 1,205 | $286K | Reduce -11.8% |
| DFUV Dimensional US Marketwide Va | 0.11% | 5,849 | $261K | No change |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.11% | 5,036 | $260K | No change |
| QQQ Invesco QQQ Trust Series 1 | 0.10% | 411 | $247K | No change |
| GOOGL Alphabet Inc. Class A | 0.10% | 969 | $236K | New |
| DFUS Dimensional US Eq MKT ETF | 0.09% | 3,079 | $223K | No change |
Portfolio Sells Q2 2025 → Q3 2025
| SGOV iShares 0-3 Month Treasury B | Reduce -14.7% | 3.56% | −0.92 |
| SHV iShares 0-1 Year Treasury Bo | Reduce -1.1% | 10.03% | −0.84 |
| AVUV Avantis US Small Cap Value | Reduce -34.0% | 1.41% | −0.69 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -26.1% | 1.32% | −0.50 |
| AVUS Avantis U.S. Equity ETF | Reduce -8.8% | 4.78% | −0.43 |
| SCHD Schwab US DVD Equity ETF | Sold out | 0.00% | −0.09 |
| SCHG Schwab US Large-Cap Growth | Sold out | 0.00% | −0.09 |
| INTU Intuit Inc. | Reduce -2.6% | 0.25% | −0.07 |
| CRM Salesforce Inc. | Reduce -11.8% | 0.12% | −0.05 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -0.9% | 4.04% | −0.02 |
| MSFT Microsoft Corp. | Reduce -0.7% | 0.33% | −0.01 |
| AVDV Avantis Intl S/C Value ETF | Reduce -4.1% | 2.78% | +0.01 |
| IAU iShares Gold Trust | Reduce -0.3% | 2.96% | +0.23 |
Portfolio Buys Q2 2025 → Q3 2025
| SPMO Invesco S&P 500 Momentum ETF | Add +30.4% | 7.61% | +1.80 |
| IVV iShares Core S&P 500 ETF | Add +3.3% | 30.72% | +1.12 |
| VTI VG Morningstar TS MKT ETF-US | Add +12.1% | 6.40% | +0.73 |
| CTAS Cintas Corp. | New | 0.13% | +0.13 |
| GOOGL Alphabet Inc. Class A | New | 0.10% | +0.10 |
| AAPL Apple Inc. | Add +18.7% | 0.14% | +0.04 |
| IBIT iShares Bitcoin Trust ETF | Add +1.6% | 1.92% | +0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +0.1% | 0.29% | +0.00 |
| GOVT iShares US Treasury Bond ETF | Add +2.8% | 1.48% | −0.06 |
| SPAB SS SPDR P Agg Bond ETF | Add +2.0% | 1.53% | −0.06 |
| BSV Vanguard Short-Term Bond ETF | Add +3.4% | 2.20% | −0.08 |
| IEFA iShares Core MSCI Eafe ETF | Add +0.7% | 13.22% | −0.25 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 40 | $300.2M | IVV, IEFA, SPMO, SHV, AVUS |
| Q1 2026 | 38 | $260.2M | IVV, IEFA, SHV, SPMO, VTI |
| Q4 2025 | 36 | $244.8M | IVV, IEFA, SHV, SPMO, VTI |
| Q3 2025 | 32 | $235.4M | IVV, IEFA, SHV, SPMO, VTI |
| Q2 2025 | 32 | $219.5M | IVV, IEFA, SHV, SPMO, VTI |
| Q1 2025 | 23 | $183.4M | IVV, IEFA, AVUS, SHV, AVUV |
| Q4 2024 | 26 | $179.8M | IVV, AVUS, IEFA, SHV, AVUV |
| Q3 2024 | 124 | $174.1M | IVV, AVUS, IEFA, SPAB, AVUV |
| Q2 2024 | 45 | $155.3M | IVV, AMERICAN CENTURY ETF TRUST AVANTIS U S EQUITY ETF, IEFA, Avantis US Small Cap Value ETF, SPAB |
| Q1 2024 | 38 | $149.2M | IVV, AVUS, SHV, IEFA, SPAB |