Bull Oak Capital, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 2, 2026), Bull Oak Capital, LLC reported 36 stock positions worth $244.8 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 30.5% 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 Q3 2025, it opened 5 new positions, sold out of 1, added to 11 and reduced 10. The biggest buy was a new position in Qualcomm (QCOM) and the biggest sale Ste STR SPDR PT S&P 500 ETF (SPYM, shares −2%).
- Most Recent 13F
- Q2 2026
- Location
- RANCHO SANTA FE, CA
- CIK
- 0001824263
- Portfolio Value
- $244.8M (Q4 2025)
- SEC Filing
- 0001824263-26-000001 ↗ filed Feb 2, 2026
Holdings Value
Holdings 36 stocks · $244.8M
| IVV iShares Core S&P 500 ETF | 30.52% | 109,086 | $74.7M | Add +0.9% |
| IEFA iShares Core MSCI Eafe ETF | 13.21% | 361,470 | $32.3M | Add +1.4% |
| SHV iShares 0-1 Year Treasury Bo | 9.96% | 221,264 | $24.4M | Add +3.5% |
| SPMO Invesco S&P 500 Momentum ETF | 7.70% | 157,953 | $18.8M | Add +6.7% |
| VTI VG Morningstar TS MKT ETF-US | 6.40% | 46,721 | $15.7M | Add +1.8% |
| AVUS Avantis U.S. Equity ETF | 4.69% | 102,675 | $11.5M | Reduce -0.8% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 3.88% | 118,301 | $9.5M | Reduce -2.5% |
| SGOV iShares 0-3 Month Treasury B | 3.87% | 94,437 | $9.5M | Add +13.5% |
| IAU iShares Gold Trust | 3.14% | 94,637 | $7.7M | Reduce -1.3% |
| AVDV Avantis Intl S/C Value ETF | 2.84% | 73,931 | $6.9M | Add +0.4% |
| BSV Vanguard Short-Term Bond ETF | 2.22% | 69,044 | $5.4M | Add +5.2% |
| IBIT iShares Bitcoin Trust ETF | 1.53% | 75,402 | $3.7M | Add +8.3% |
| SPAB SS SPDR P Agg Bond ETF | 1.47% | 139,902 | $3.6M | Add +0.6% |
| GOVT iShares US Treasury Bond ETF | 1.47% | 155,747 | $3.6M | Add +3.6% |
| AVUV Avantis US Small Cap Value | 1.33% | 31,848 | $3.2M | Reduce -4.6% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.16% | 9,807 | $2.8M | Reduce -7.2% |
| SCHX Schwab US Large-Cap ETF | 0.93% | 84,512 | $2.3M | Reduce -0.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.59% | 2,981 | $1.5M | No change |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.44% | 5,606 | $1.1M | No change |
| QCOM Qualcomm Inc. | 0.32% | 4,518 | $773K | New |
| MSFT Microsoft Corp. | 0.29% | 1,453 | $703K | Reduce -2.8% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.29% | 1,025 | $699K | No change |
| INTU Intuit Inc. | 0.23% | 855 | $566K | No change |
| XOM Exxon Mobil Corp. | 0.17% | 3,482 | $419K | New |
| ADBE Adobe Inc. | 0.14% | 959 | $336K | No change |
| AAPL Apple Inc. | 0.13% | 1,213 | $330K | Reduce -4.4% |
| GOOGL Alphabet Inc. Class A | 0.12% | 969 | $303K | No change |
| PG The Procter & Gamble Co. | 0.12% | 2,044 | $293K | New |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.11% | 5,036 | $277K | No change |
| NVDA Nvidia Corp. | 0.11% | 1,480 | $276K | Reduce -6.6% |
| DFUV Dimensional US Marketwide Va | 0.11% | 5,849 | $273K | No change |
| VOO Vanguard S&P 500 ETF | 0.11% | 427 | $268K | New |
| CRM Salesforce Inc. | 0.11% | 987 | $261K | Reduce -18.1% |
| QQQ Invesco QQQ Trust Series 1 | 0.10% | 411 | $252K | No change |
| PEP Pepsico Inc. | 0.10% | 1,739 | $250K | New |
| DFUS Dimensional US Eq MKT ETF | 0.09% | 3,079 | $228K | No change |
Portfolio Sells Q3 2025 → Q4 2025
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -2.5% | 3.88% | −0.16 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -7.2% | 1.16% | −0.16 |
| CTAS Cintas Corp. | Sold out | 0.00% | −0.13 |
| AVUS Avantis U.S. Equity ETF | Reduce -0.8% | 4.69% | −0.09 |
| AVUV Avantis US Small Cap Value | Reduce -4.6% | 1.33% | −0.09 |
| MSFT Microsoft Corp. | Reduce -2.8% | 0.29% | −0.04 |
| SCHX Schwab US Large-Cap ETF | Reduce -0.1% | 0.93% | −0.02 |
| CRM Salesforce Inc. | Reduce -18.1% | 0.11% | −0.01 |
| NVDA Nvidia Corp. | Reduce -6.6% | 0.11% | −0.01 |
| AAPL Apple Inc. | Reduce -4.4% | 0.13% | −0.00 |
| IAU iShares Gold Trust | Reduce -1.3% | 3.14% | +0.17 |
Portfolio Buys Q3 2025 → Q4 2025
| QCOM Qualcomm Inc. | New | 0.32% | +0.32 |
| SGOV iShares 0-3 Month Treasury B | Add +13.5% | 3.87% | +0.31 |
| XOM Exxon Mobil Corp. | New | 0.17% | +0.17 |
| PG The Procter & Gamble Co. | New | 0.12% | +0.12 |
| VOO Vanguard S&P 500 ETF | New | 0.11% | +0.11 |
| PEP Pepsico Inc. | New | 0.10% | +0.10 |
| SPMO Invesco S&P 500 Momentum ETF | Add +6.7% | 7.70% | +0.08 |
| AVDV Avantis Intl S/C Value ETF | Add +0.4% | 2.84% | +0.05 |
| BSV Vanguard Short-Term Bond ETF | Add +5.2% | 2.22% | +0.02 |
| VTI VG Morningstar TS MKT ETF-US | Add +1.8% | 6.40% | −0.00 |
| GOVT iShares US Treasury Bond ETF | Add +3.6% | 1.47% | −0.01 |
| IEFA iShares Core MSCI Eafe ETF | Add +1.4% | 13.21% | −0.01 |
| SPAB SS SPDR P Agg Bond ETF | Add +0.6% | 1.47% | −0.06 |
| SHV iShares 0-1 Year Treasury Bo | Add +3.5% | 9.96% | −0.07 |
| IVV iShares Core S&P 500 ETF | Add +0.9% | 30.52% | −0.20 |
| IBIT iShares Bitcoin Trust ETF | Add +8.3% | 1.53% | −0.39 |
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 |