Carr Financial Group Corp
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 21, 2025), Carr Financial Group Corp reported 180 stock positions worth $318.2 million. Its top holding was Schwab US Large-Cap ETF (SCHX) at 7.0% of the portfolio, followed by JPMorgan Hedged Equity ETF (HELO, 7.0%) and Vanguard Total Bond Market (BND, 7.0%). Compared with Q3 2024, it opened 8 new positions, sold out of 22, added to 87 and reduced 70. The biggest buy was JPMorgan Hedged Equity ETF (HELO, shares +95%) and the biggest sale iShares 10-20 Year Treasury (TLH, shares −91%).
- Most Recent 13F
- Q2 2026
- Location
- WORCESTER, MA
- CIK
- 0001931232
- Portfolio Value
- $318.2M (Q4 2024)
- SEC Filing
- 0001085146-25-000365 ↗ filed Jan 21, 2025
Holdings Value
Holdings 180 stocks · $318.2M
| SCHX Schwab US Large-Cap ETF | 7.04% | 966,827 | $22.4M | Add +5.5% |
| HELO JPMorgan Hedged Equity ETF | 7.01% | 359,380 | $22.3M | Add +95.0% |
| BND Vanguard Total Bond Market | 6.97% | 308,549 | $22.2M | Reduce -23.5% |
| VTI VG Morningstar TS MKT ETF-US | 4.86% | 53,348 | $15.5M | Add +4.0% |
| VIG Vanguard Dividend Apprec ETF | 4.69% | 76,178 | $14.9M | Reduce -12.6% |
| EMXC iShares MSCI Emr MRK Ex Chna | 3.58% | 205,523 | $11.4M | Reduce -17.8% |
| SHY iShares 1-3 Year Treasury Bo | 3.35% | 129,891 | $10.6M | Add +281.1% |
| IJH iShares Core S&P Midcap ETF | 3.23% | 165,099 | $10.3M | Add +4.3% |
| AVUV Avantis US Small Cap Value | 3.01% | 99,113 | $9.6M | Add +57.0% |
| IQLT iShares MSCI International Q | 2.72% | 233,261 | $8.7M | Reduce -29.2% |
| QQQ Invesco QQQ Trust Series 1 | 2.33% | 14,492 | $7.4M | Add +0.7% |
| JEPQ JPM Nasdaq Equity Premium filed as J P MORGAN EXCHANGE TRADED F | 1.91% | 107,870 | $6.1M | Add +14.8% |
| IBHE iShares Ibonds 2025 H/Y Inc. | 1.76% | 241,480 | $5.6M | Add +73.4% |
| AAPL Apple Inc. | 1.73% | 22,025 | $5.5M | Reduce -2.0% |
| MSFT Microsoft Corp. | 1.58% | 11,914 | $5.0M | Reduce -5.1% |
| NVDA Nvidia Corp. | 1.29% | 30,559 | $4.1M | Reduce -16.8% |
| GLD SPDR Gold Shares | 1.19% | 15,629 | $3.8M | Add +6.4% |
| ITOT iShares Core S&P Total U.S. | 1.15% | 28,536 | $3.7M | Add +0.3% |
| VB Vanguard Most SM-Cap ETF-Usd | 1.11% | 14,649 | $3.5M | Add +36.1% |
| IEF iShares 7-10 Year Treasury B | 1.07% | 36,921 | $3.4M | Reduce -0.3% |
| AMZN Amazon.com Inc. | 1.07% | 15,454 | $3.4M | Reduce -6.0% |
| USMV iShares MSCI USA Min Vol Fac | 1.05% | 37,485 | $3.3M | Add +7.8% |
| QUAL iShares MSCI USA Quality Fac | 0.90% | 16,079 | $2.9M | Reduce -3.3% |
| LLY Eli Lilly & Co. | 0.89% | 3,649 | $2.8M | Reduce -0.3% |
| QQQE Dirx Nasdaq-100EQ Wi ETF-Usd | 0.86% | 30,378 | $2.7M | Reduce -19.9% |
| IJR iShares Core S&P Small-Cap E | 0.85% | 23,608 | $2.7M | Reduce -4.1% |
| BILS SS Spdrb B 3-12M T-Bill ETF | 0.80% | 25,536 | $2.5M | Add +0.2% |
| FV First Trust DW Focus 5 Fund | 0.68% | 36,416 | $2.2M | Add +1.5% |
| XLG Invesco S&P 500 Top 50 ETF | 0.67% | 42,632 | $2.1M | Reduce -0.5% |
| VYM Vanguard High DVD Yield ETF | 0.65% | 16,131 | $2.1M | Add +2.0% |
| VSGX Vanguard ESG Intl Stock ETF | 0.63% | 35,364 | $2.0M | Add +0.9% |
| TLT iShares 20+ Year Treasury BD | 0.62% | 22,617 | $2.0M | Reduce -12.3% |
| VEA Vanguard Ftse Developed ETF | 0.61% | 40,695 | $1.9M | Reduce -21.3% |
| JEPI JPMorgan Equity Premium Inco | 0.61% | 33,663 | $1.9M | Reduce -6.7% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.59% | 5,510 | $1.9M | Add +31.9% |
| EEMV iShares MSCI Emg MKT Min Vol | 0.57% | 31,100 | $1.8M | Reduce -5.9% |
| AGG iShares Core U.S. Aggregate | 0.54% | 17,665 | $1.7M | Reduce -2.1% |
| IXUS iShares Core Intl Stock ETF | 0.52% | 24,851 | $1.6M | Reduce -14.1% |
| GOOG Alphabet Inc. Class C | 0.49% | 8,122 | $1.5M | Reduce -4.0% |
| NOW ServiceNow Inc. | 0.48% | 1,446 | $1.5M | Add +67.8% |
| DGRO iShares Core Dividend Growth | 0.48% | 24,847 | $1.5M | Add +3.8% |
| AXP American Express Co. | 0.47% | 5,063 | $1.5M | Reduce -7.3% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.47% | 19,096 | $1.5M | Add +1.3% |
| CRM Salesforce Inc. | 0.46% | 4,347 | $1.5M | Reduce -9.8% |
| AVGO Broadcom Inc. | 0.44% | 6,091 | $1.4M | Add +3.7% |
| STIP iShares 0-5 Year Tips Bond E | 0.44% | 14,026 | $1.4M | Add +0.6% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.43% | 2 | $1.4M | No change |
| JPM JPMorgan Chase & Co. | 0.43% | 5,644 | $1.4M | Reduce -2.0% |
| RSP Invesco S&P 500 Equal Weight | 0.42% | 7,663 | $1.3M | Reduce -2.7% |
| HD Home Depot Inc. | 0.40% | 3,296 | $1.3M | Reduce -3.5% |
| MA Mastercard Inc. Class A | 0.39% | 2,385 | $1.3M | Add +1.5% |
| ESGD iShares Trust iShares ESG Aw | 0.38% | 15,734 | $1.2M | Reduce -0.3% |
| META Meta Platforms Inc. Class A | 0.37% | 2,031 | $1.2M | Add +1.6% |
| TSLA Tesla Inc. | 0.37% | 2,924 | $1.2M | Add +6.8% |
| GOOGL Alphabet Inc. Class A | 0.36% | 6,105 | $1.2M | Reduce -7.7% |
| IUSV iShares Core S&P U.S. Value | 0.36% | 12,359 | $1.1M | Add +0.3% |
| PPA Invesco Aerospace & Defense | 0.35% | 9,623 | $1.1M | Reduce -0.3% |
| TLH iShares 10-20 Year Treasury | 0.34% | 10,907 | $1.1M | Reduce -91.1% |
| FLRN SS SPDR BB Ig Float RT ETF | 0.32% | 32,971 | $1.0M | Reduce -0.7% |
| WMT Walmart Inc. | 0.31% | 10,996 | $993K | Reduce -11.0% |
| GBIL Goldman Sachs Access Treasur | 0.30% | 9,456 | $945K | Reduce -67.0% |
| TSM Taiwan Semiconductor-SP ADR | 0.29% | 4,656 | $920K | Reduce -13.7% |
| NFLX Netflix Inc. | 0.29% | 1,029 | $917K | Add +5.4% |
| ABBV Abbvie Inc. | 0.28% | 5,056 | $899K | Reduce -4.1% |
| SHYG iShares 0-5 YR HY Corp. Bond | 0.28% | 20,537 | $875K | Reduce -0.4% |
| MRK Merck & Co. Inc. | 0.27% | 8,648 | $860K | Add +5.6% |
| AMGN Amgen Inc. | 0.26% | 3,189 | $831K | Add +2.6% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.26% | 1,407 | $825K | Add +36.7% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.25% | 8,559 | $783K | Add +87.0% |
| LIN Linde PLC | 0.25% | 1,864 | $780K | Add +0.3% |
| XJH Ishare ESG SS S&P Midcap ETF | 0.24% | 18,141 | $759K | Add +80.4% |
| PH Parker Hannifin Corp. | 0.24% | 1,181 | $751K | Add +0.2% |
| SUB iShares Short-Term National | 0.23% | 7,087 | $748K | Add +0.6% |
| LMT Lockheed Martin Corp. | 0.23% | 1,523 | $740K | Reduce -0.3% |
| PNQI Invesco Nasdaq Internet ETF | 0.23% | 15,680 | $732K | Add +14.3% |
| PNC PNC Financial Services Group | 0.23% | 3,756 | $724K | Add +0.5% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.21% | 1,479 | $670K | Reduce -0.3% |
| ADBE Adobe Inc. | 0.21% | 1,488 | $662K | Reduce -15.4% |
| PFF iShares Preferred & Income S | 0.20% | 20,621 | $648K | Add +38.7% |
| PEP Pepsico Inc. | 0.20% | 4,249 | $646K | No change |
| MBB iShares MBS ETF | 0.20% | 6,847 | $628K | Reduce -29.4% |
| XLF SS Financial Select Sector | 0.20% | 12,864 | $622K | Add +4.7% |
| AMD Advanced Micro Devices | 0.19% | 5,109 | $617K | Reduce -3.7% |
| ETN Eaton Corp. PLC | 0.18% | 1,769 | $587K | No change |
| COST Costco Wholesale Corp. | 0.18% | 631 | $578K | Reduce -3.7% |
| ECL Ecolab Inc. | 0.18% | 2,404 | $563K | Add +0.2% |
| GSK GSK PLC-Spon ADR | 0.17% | 16,023 | $542K | Add +0.5% |
| BLK BlackRock Inc. | 0.17% | 527 | $540K | New |
| SPMB SS SPDR P Mort Back Bond ETF | 0.17% | 25,073 | $540K | Reduce -67.3% |
| V Visa Inc. Class A | 0.17% | 1,666 | $526K | Add +0.6% |
| TGT Target Corp. | 0.16% | 3,867 | $523K | Add +0.5% |
| GILD Gilead Sciences Inc. | 0.16% | 5,650 | $522K | Reduce -25.6% |
| EUSB Ishr ESG Advn Universal BD-$ | 0.16% | 12,227 | $519K | Add +1.1% |
| NVS Novartis AG-Sponsored ADR | 0.16% | 5,280 | $514K | No change |
| JNJ Johnson & Johnson | 0.16% | 3,487 | $504K | Reduce -13.4% |
| SNY Sanofi-ADR | 0.16% | 10,275 | $496K | Reduce -3.7% |
| XLE SS Energy Select Sector | 0.16% | 5,777 | $495K | Add +5.3% |
| BGRN iShares Usd Green Bond ETF | 0.15% | 10,397 | $485K | Add +1.4% |
| KRE SS SPDR S&P Regional Bank | 0.15% | 8,000 | $483K | New |
| VZ Verizon Communications Inc. | 0.15% | 11,895 | $476K | Reduce -11.0% |
Options reported separately and not counted above: QQQ puts ($3.3M), NOW puts ($424K), META puts ($293K), AAPL puts ($125K), NVDA calls ($13K).
Portfolio Sells Q3 2024 → Q4 2024
| TLH iShares 10-20 Year Treasury | Reduce -91.1% | 0.34% | −3.66 |
| BND Vanguard Total Bond Market | Reduce -23.5% | 6.97% | −2.07 |
| IQLT iShares MSCI International Q | Reduce -29.2% | 2.72% | −1.36 |
| IBHD iShares Ibonds 2024 H/Y Inc. | Sold out | 0.00% | −1.00 |
| EMXC iShares MSCI Emr MRK Ex Chna | Reduce -17.8% | 3.58% | −0.98 |
| GBIL Goldman Sachs Access Treasur | Reduce -67.0% | 0.30% | −0.56 |
| VIG Vanguard Dividend Apprec ETF | Reduce -12.6% | 4.69% | −0.46 |
| SPMB SS SPDR P Mort Back Bond ETF | Reduce -67.3% | 0.17% | −0.35 |
| KWEB Kranesh Csi China Internet | Sold out | 0.00% | −0.30 |
| VEA Vanguard Ftse Developed ETF | Reduce -21.3% | 0.61% | −0.20 |
| QQQE Dirx Nasdaq-100EQ Wi ETF-Usd | Reduce -19.9% | 0.86% | −0.16 |
| IBDP iShares Ibonds Dec 2024 Term | Sold out | 0.00% | −0.16 |
| SUSC iShares ESG Aware Usd Corpor | Reduce -59.9% | 0.10% | −0.14 |
| TLT iShares 20+ Year Treasury BD | Reduce -12.3% | 0.62% | −0.13 |
| CI The Cigna Group | Sold out | 0.00% | −0.13 |
| DIS The Walt Disney Co. | Reduce -63.9% | 0.10% | −0.12 |
| AWK American Water Works Co. Inc. | Sold out | 0.00% | −0.11 |
| IXUS iShares Core Intl Stock ETF | Reduce -14.1% | 0.52% | −0.11 |
| UNH Unitedhealth Group Inc. | Sold out | 0.00% | −0.11 |
| PLD Prologis Inc. | Sold out | 0.00% | −0.10 |
| TMO Thermo Fisher Scientific Inc. | Reduce -37.5% | 0.12% | −0.10 |
| WMB Williams Cos Inc. | Sold out | 0.00% | −0.10 |
| UBER Uber Technologies Inc. | Sold out | 0.00% | −0.10 |
| HUM Humana Inc. | Sold out | 0.00% | −0.10 |
| NKE Nike Inc. Class B | Sold out | 0.00% | −0.09 |
| APTV Aptiv Irish Holdings Ltd. | Sold out | 0.00% | −0.08 |
| VCEB Vanguard ESG US Corp. Bond | Reduce -38.2% | 0.14% | −0.08 |
| LLY Eli Lilly & Co. | Reduce -0.3% | 0.89% | −0.08 |
| MBB iShares MBS ETF | Reduce -29.4% | 0.20% | −0.08 |
| ICLN iShares Global Clean Energy | Sold out | 0.00% | −0.08 |
| CSCO Cisco Systems Inc. | Reduce -47.9% | 0.12% | −0.08 |
| WINN Harbor Long-Term Growers ETF | Sold out | 0.00% | −0.07 |
| AMD Advanced Micro Devices | Reduce -3.7% | 0.19% | −0.07 |
| NOC Northrop Grumman Corp. | Sold out | 0.00% | −0.07 |
| NEE Nextera Energy Inc. | Sold out | 0.00% | −0.06 |
| INDA iShares MSCI India ETF | Sold out | 0.00% | −0.06 |
| ADBE Adobe Inc. | Reduce -15.4% | 0.21% | −0.06 |
| MRNA Moderna Inc. | Sold out | 0.00% | −0.06 |
| IDVO Amplify CWP Intl Enh DVD Inc. | Sold out | 0.00% | −0.06 |
| XOM Exxon Mobil Corp. | Sold out | 0.00% | −0.06 |
| NXPI NXP Semiconductors NV | Sold out | 0.00% | −0.06 |
| BFAM Bright Horizons Family Solut | Sold out | 0.00% | −0.06 |
| ELV Elevance Health Inc. | Reduce -14.4% | 0.10% | −0.06 |
| EEMV iShares MSCI Emg MKT Min Vol | Reduce -5.9% | 0.57% | −0.05 |
| PFE Pfizer Inc. | Reduce -23.2% | 0.14% | −0.05 |
| NVDA Nvidia Corp. | Reduce -16.8% | 1.29% | −0.04 |
| JNJ Johnson & Johnson | Reduce -13.4% | 0.16% | −0.04 |
| FHLC Fidelity MSCI Health Care | Reduce -19.9% | 0.11% | −0.04 |
| MSFT Microsoft Corp. | Reduce -5.1% | 1.58% | −0.03 |
| XLV SS Health Care Select Sector | Reduce -29.3% | 0.07% | −0.03 |
Portfolio Buys Q3 2024 → Q4 2024
| HELO JPMorgan Hedged Equity ETF | Add +95.0% | 7.01% | +3.65 |
| SHY iShares 1-3 Year Treasury Bo | Add +281.1% | 3.35% | +2.50 |
| AVUV Avantis US Small Cap Value | Add +57.0% | 3.01% | +1.20 |
| SCHX Schwab US Large-Cap ETF | Add +5.5% | 7.04% | +0.86 |
| IBHE iShares Ibonds 2025 H/Y Inc. | Add +73.4% | 1.76% | +0.79 |
| VTI VG Morningstar TS MKT ETF-US | Add +4.0% | 4.86% | +0.53 |
| JEPQ JPM Nasdaq Equity Premium | Add +14.8% | 1.91% | +0.37 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +36.1% | 1.11% | +0.34 |
| IJH iShares Core S&P Midcap ETF | Add +4.3% | 3.23% | +0.29 |
| NOW ServiceNow Inc. | Add +67.8% | 0.48% | +0.25 |
| QQQ Invesco QQQ Trust Series 1 | Add +0.7% | 2.33% | +0.23 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Add +31.9% | 0.59% | +0.19 |
| BLK BlackRock Inc. | New | 0.17% | +0.17 |
| TSLA Tesla Inc. | Add +6.8% | 0.37% | +0.16 |
| KRE SS SPDR S&P Regional Bank | New | 0.15% | +0.15 |
| LRCX Lam Research Corp. | New | 0.15% | +0.15 |
| AVGO Broadcom Inc. | Add +3.7% | 0.44% | +0.14 |
| MRVL Marvell Technology Inc. | New | 0.14% | +0.14 |
| GLD SPDR Gold Shares | Add +6.4% | 1.19% | +0.12 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Add +87.0% | 0.25% | +0.12 |
| XJH Ishare ESG SS S&P Midcap ETF | Add +80.4% | 0.24% | +0.11 |
| USMV iShares MSCI USA Min Vol Fac | Add +7.8% | 1.05% | +0.10 |
| ITOT iShares Core S&P Total U.S. | Add +0.3% | 1.15% | +0.09 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +36.7% | 0.26% | +0.08 |
| NFLX Netflix Inc. | Add +5.4% | 0.29% | +0.08 |
| KBWP Invesco KBW Property & Casua | New | 0.08% | +0.08 |
| TT Trane Technologies PLC | New | 0.06% | +0.06 |
| WAB Wabtec Corp. | New | 0.06% | +0.06 |
| DECK Deckers Outdoor Corp. | New | 0.06% | +0.06 |
| PFF iShares Preferred & Income S | Add +38.7% | 0.20% | +0.06 |
| PNQI Invesco Nasdaq Internet ETF | Add +14.3% | 0.23% | +0.05 |
| FV First Trust DW Focus 5 Fund | Add +1.5% | 0.68% | +0.05 |
| MA Mastercard Inc. Class A | Add +1.5% | 0.39% | +0.05 |
| VYM Vanguard High DVD Yield ETF | Add +2.0% | 0.65% | +0.04 |
| BILS SS Spdrb B 3-12M T-Bill ETF | Add +0.2% | 0.80% | +0.04 |
| META Meta Platforms Inc. Class A | Add +1.6% | 0.37% | +0.03 |
| DGRO iShares Core Dividend Growth | Add +3.8% | 0.48% | +0.03 |
| PWR Quanta Services Inc. | Add +17.4% | 0.13% | +0.03 |
| AMP Ameriprise Financial Inc. | Add +9.2% | 0.13% | +0.03 |
| V Visa Inc. Class A | Add +0.6% | 0.17% | +0.03 |
| XLF SS Financial Select Sector | Add +4.7% | 0.20% | +0.03 |
| ESML iShares ESG Aware MSCI USA S | Add +18.6% | 0.13% | +0.03 |
| COF Capital One Financial Corp. | Add +0.3% | 0.12% | +0.02 |
| MCD McDonald's Corp. | Add +24.9% | 0.11% | +0.02 |
| STIP iShares 0-5 Year Tips Bond E | Add +0.6% | 0.44% | +0.02 |
| PNC PNC Financial Services Group | Add +0.5% | 0.23% | +0.02 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +1.3% | 0.47% | +0.02 |
| PTF Invesco Dorsey Wright Tech | Add +2.2% | 0.10% | +0.02 |
| PANW Palo Alto Networks Inc. | Add +11.3% | 0.09% | +0.02 |
| BMY Bristol-Myers Squibb Co. | Add +8.4% | 0.08% | +0.02 |
Options Activity Q3 2024 → Q4 2024
| QQQ Invesco QQQ Trust Series 1 | put | Add +116.7% | 6,500 | $3.3M |
| NOW ServiceNow Inc. | put | New | 400 | $424K |
| META Meta Platforms Inc. Class A | put | New | 500 | $293K |
| AAPL Apple Inc. | put | New | 500 | $125K |
| NVDA Nvidia Corp. | call | Add +0.0% | 100 | $13K |
Calls and puts are listed by the shares they cover; their value is not part of the stock holdings above.
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 182 | $434.4M | BND, VIG, EMXC, IQLT, HELO |
| Q1 2026 | 174 | $379.1M | BND, EMXC, IQLT, VIG, GLD |
| Q4 2025 | 179 | $375.5M | BND, VIG, IQLT, EMXC, GLD |
| Q3 2025 | 188 | $364.2M | BND, VIG, IQLT, EMXC, VTI |
| Q2 2025 | 187 | $338.9M | BND, IQLT, SCHX, VIG, HELO |
| Q1 2025 | 175 | $305.2M | BND, HELO, SCHX, VIG, VTI |
| Q4 2024 | 180 | $318.2M | SCHX, HELO, BND, VTI, VIG |
| Q3 2024 | 194 | $335.2M | BND, SCHX, VIG, EMXC, VTI |
| Q2 2024 | 185 | $314.4M | BND, SCHX, VIG, VTI, QQQE |
| Q1 2024 | 179 | $300.5M | BND, SCHX, VIG, QQQE, EMXC |