Carr Financial Group Corp
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 8, 2025), Carr Financial Group Corp reported 188 stock positions worth $364.2 million. Its top holding was Vanguard Total Bond Market (BND) at 8.5% of the portfolio, followed by Vanguard Dividend Apprec ETF (VIG, 7.1%) and iShares MSCI International Q (IQLT, 6.9%). Compared with Q2 2025, it opened 15 new positions, sold out of 14, added to 100 and reduced 57. The biggest buy was SPDR Gold Shares (GLD, shares +146%) and the biggest sale Schwab US Large-Cap ETF (SCHX, shares −79%).
- Most Recent 13F
- Q2 2026
- Location
- WORCESTER, MA
- CIK
- 0001931232
- Portfolio Value
- $364.2M (Q3 2025)
- SEC Filing
- 0001085146-25-005825 ↗ filed Oct 8, 2025
Holdings Value
Holdings 188 stocks · $364.2M
| BND Vanguard Total Bond Market | 8.50% | 416,423 | $31.0M | Add +23.2% |
| VIG Vanguard Dividend Apprec ETF | 7.07% | 119,281 | $25.7M | Add +45.2% |
| IQLT iShares MSCI International Q | 6.87% | 566,384 | $25.0M | Add +15.0% |
| EMXC iShares MSCI Emr MRK Ex Chna | 5.57% | 300,268 | $20.3M | Add +24.5% |
| VTI VG Morningstar TS MKT ETF-US | 4.48% | 49,744 | $16.3M | Add +1.4% |
| GLD SPDR Gold Shares | 4.28% | 43,813 | $15.6M | Add +146.0% |
| HELO JPMorgan Hedged Equity ETF | 3.73% | 209,043 | $13.6M | Reduce -18.8% |
| IJH iShares Core S&P Midcap ETF | 2.96% | 165,238 | $10.8M | Reduce -23.6% |
| QQQ Invesco QQQ Trust Series 1 | 2.92% | 17,736 | $10.6M | Add +1.3% |
| AVUV Avantis US Small Cap Value | 1.84% | 67,157 | $6.7M | Reduce -25.6% |
| JEPQ JPM Nasdaq Equity Premium filed as J P MORGAN EXCHANGE TRADED F | 1.68% | 106,064 | $6.1M | Reduce -11.4% |
| NVDA Nvidia Corp. | 1.67% | 32,510 | $6.1M | Add +2.3% |
| MSFT Microsoft Corp. | 1.56% | 10,988 | $5.7M | Add +1.9% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 1.48% | 13,394 | $5.4M | Reduce -11.2% |
| AAPL Apple Inc. | 1.40% | 20,050 | $5.1M | Add +5.5% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 1.33% | 52,967 | $4.9M | Reduce -4.7% |
| VB Vanguard Most SM-Cap ETF-Usd | 1.30% | 18,677 | $4.7M | Add +18.6% |
| SCHX Schwab US Large-Cap ETF | 1.27% | 175,506 | $4.6M | Reduce -79.0% |
| AMZN Amazon.com Inc. | 1.20% | 19,826 | $4.4M | Add +5.2% |
| TLH iShares 10-20 Year Treasury | 1.14% | 40,379 | $4.2M | Add +13.6% |
| USMV iShares MSCI USA Min Vol Fac | 1.04% | 39,662 | $3.8M | Reduce -16.5% |
| ITOT iShares Core S&P Total U.S. | 0.97% | 24,368 | $3.5M | Reduce -16.6% |
| LLY Eli Lilly & Co. | 0.84% | 3,999 | $3.1M | Add +19.6% |
| QUAL iShares MSCI USA Quality Fac | 0.81% | 15,226 | $3.0M | Add +1.3% |
| VSGX Vanguard ESG Intl Stock ETF | 0.78% | 41,134 | $2.9M | Add +14.4% |
| GOOG Alphabet Inc. Class C | 0.75% | 11,186 | $2.7M | Add +23.4% |
| VEA Vanguard Ftse Developed ETF | 0.74% | 45,222 | $2.7M | Add +7.4% |
| STIP iShares 0-5 Year Tips Bond E | 0.68% | 23,947 | $2.5M | Add +64.6% |
| SHY iShares 1-3 Year Treasury Bo | 0.68% | 29,737 | $2.5M | Reduce -18.8% |
| BILS SS Spdrb B 3-12M T-Bill ETF | 0.68% | 24,718 | $2.5M | Reduce -3.3% |
| JEPI JPMorgan Equity Premium Inco | 0.68% | 43,066 | $2.5M | Reduce -1.8% |
| VYM Vanguard High DVD Yield ETF | 0.62% | 16,060 | $2.3M | Add +3.7% |
| DGRO iShares Core Dividend Growth | 0.62% | 32,997 | $2.2M | Add +25.1% |
| IXUS iShares Core Intl Stock ETF | 0.61% | 26,826 | $2.2M | Add +5.9% |
| FLRN SS SPDR BB Ig Float RT ETF | 0.59% | 69,864 | $2.2M | Add +112.3% |
| JPM JPMorgan Chase & Co. | 0.59% | 6,803 | $2.1M | Add +15.3% |
| AVGO Broadcom Inc. | 0.58% | 6,362 | $2.1M | Add +3.2% |
| SUB iShares Short-Term National | 0.57% | 19,574 | $2.1M | Add +0.6% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.56% | 25,393 | $2.0M | Add +0.7% |
| TSLA Tesla Inc. | 0.51% | 4,165 | $1.9M | Add +65.7% |
| WINN Harbor Long-Term Growers ETF | 0.50% | 58,527 | $1.8M | Add +413.7% |
| AMAT Applied Materials Inc. | 0.50% | 8,907 | $1.8M | Reduce -1.0% |
| GOOGL Alphabet Inc. Class A | 0.47% | 7,053 | $1.7M | Add +15.6% |
| IBHF iShares Ibond 2026 HY & Inc. | 0.45% | 70,646 | $1.7M | Reduce -15.2% |
| AXP American Express Co. | 0.45% | 4,884 | $1.6M | Add +2.0% |
| AGG iShares Core U.S. Aggregate | 0.44% | 15,946 | $1.6M | Reduce -3.3% |
| IBHE iShares Ibonds 2025 H/Y Inc. | 0.43% | 67,906 | $1.6M | Reduce -55.8% |
| SHYG iShares 0-5 YR HY Corp. Bond | 0.41% | 34,901 | $1.5M | Add +25.5% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.41% | 2 | $1.5M | No change |
| IJR iShares Core S&P Small-Cap E | 0.40% | 12,210 | $1.5M | Add +11.7% |
| EEMV iShares MSCI Emg MKT Min Vol | 0.40% | 22,649 | $1.4M | Reduce -0.3% |
| META Meta Platforms Inc. Class A | 0.40% | 1,964 | $1.4M | Reduce -1.0% |
| PPA Invesco Aerospace & Defense | 0.39% | 9,152 | $1.4M | Reduce -2.1% |
| WMT Walmart Inc. | 0.37% | 13,076 | $1.3M | Add +14.0% |
| QQQE Dirx Nasdaq-100EQ Wi ETF-Usd | 0.35% | 12,537 | $1.3M | Reduce -32.3% |
| PNQI Invesco Nasdaq Internet ETF | 0.35% | 22,547 | $1.3M | Add +0.4% |
| IUSV iShares Core S&P U.S. Value | 0.34% | 12,500 | $1.2M | Add +0.3% |
| ABBV Abbvie Inc. | 0.33% | 5,155 | $1.2M | Reduce -1.9% |
| BSX Boston Scientific Corp. | 0.32% | 11,860 | $1.2M | Reduce -4.9% |
| NFLX Netflix Inc. | 0.32% | 963 | $1.2M | Reduce -2.1% |
| HD Home Depot Inc. | 0.30% | 2,738 | $1.1M | Add +0.4% |
| ESGD iShares Trust iShares ESG Aw | 0.30% | 11,763 | $1.1M | Reduce -0.7% |
| COST Costco Wholesale Corp. | 0.29% | 1,152 | $1.1M | Add +42.9% |
| MUB iShares National Muni Bond E | 0.29% | 10,000 | $1.1M | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.28% | 2,019 | $1.0M | Add +18.0% |
| LRCX Lam Research Corp. | 0.28% | 7,562 | $1.0M | Add +39.1% |
| UBER Uber Technologies Inc. | 0.27% | 9,899 | $970K | Add +6.4% |
| MA Mastercard Inc. Class A | 0.26% | 1,695 | $964K | Add +2.5% |
| ANET Arista Networks Inc. | 0.26% | 6,465 | $942K | Add +6.1% |
| CRM Salesforce Inc. | 0.24% | 3,715 | $881K | Reduce -5.0% |
| PH Parker Hannifin Corp. | 0.24% | 1,157 | $877K | Add +0.2% |
| EFAV iShares MSCI Eafe Min Vol Fa | 0.24% | 10,128 | $859K | Add +4.9% |
| AMGN Amgen Inc. | 0.23% | 3,031 | $855K | Add +2.0% |
| MBB iShares MBS ETF | 0.23% | 8,894 | $846K | Add +1.1% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.23% | 2,988 | $843K | Add +77.5% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.22% | 1,209 | $805K | Reduce -0.3% |
| HIMU iShares High Yild Muni A ETF | 0.21% | 15,303 | $753K | Reduce -33.5% |
| AMD Advanced Micro Devices | 0.21% | 4,623 | $748K | Reduce -35.2% |
| TSM Taiwan Semiconductor-SP ADR | 0.21% | 2,674 | $747K | Reduce -5.4% |
| GBIL Goldman Sachs Access Treasur | 0.20% | 7,191 | $721K | Reduce -6.0% |
| PNC PNC Financial Services Group | 0.20% | 3,543 | $712K | Add +0.5% |
| NOW ServiceNow Inc. | 0.19% | 770 | $709K | Reduce -26.0% |
| LMT Lockheed Martin Corp. | 0.19% | 1,410 | $704K | Add +0.4% |
| LIN Linde PLC | 0.19% | 1,424 | $677K | Add +0.2% |
| ETN Eaton Corp. PLC | 0.18% | 1,782 | $667K | Add +0.7% |
| ASML ASML Holding NV-NY Reg SHS | 0.18% | 680 | $658K | Reduce -18.4% |
| RTX RTX Corp. | 0.18% | 3,831 | $641K | Add +1.8% |
| FV First Trust DW Focus 5 Fund | 0.17% | 10,289 | $637K | Reduce -10.9% |
| XLF SS Financial Select Sector | 0.17% | 11,800 | $636K | Reduce -44.9% |
| TLT iShares 20+ Year Treasury BD | 0.17% | 7,000 | $626K | New |
| TIP iShares Tips Bond ETF | 0.17% | 5,583 | $621K | New |
| GSK GSK PLC-Spon ADR | 0.17% | 14,175 | $612K | Add +1.1% |
| PWR Quanta Services Inc. | 0.17% | 1,471 | $610K | Add +1.8% |
| BKNG Booking Holdings Inc. | 0.15% | 101 | $546K | No change |
| JNJ Johnson & Johnson | 0.15% | 2,907 | $539K | Reduce -17.0% |
| PEP Pepsico Inc. | 0.15% | 3,804 | $534K | Reduce -1.1% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.14% | 10,221 | $527K | Reduce -1.6% |
| ABT Abbott Laboratories | 0.14% | 3,880 | $520K | Add +2.0% |
| ORCL Oracle Corp. | 0.14% | 1,842 | $518K | Add +7.5% |
| CSCO Cisco Systems Inc. | 0.13% | 7,074 | $484K | Reduce -0.2% |
Portfolio Sells Q2 2025 → Q3 2025
| SCHX Schwab US Large-Cap ETF | Reduce -79.0% | 1.27% | −4.77 |
| HELO JPMorgan Hedged Equity ETF | Reduce -18.8% | 3.73% | −1.02 |
| IJH iShares Core S&P Midcap ETF | Reduce -23.6% | 2.96% | −1.00 |
| IBHE iShares Ibonds 2025 H/Y Inc. | Reduce -55.8% | 0.43% | −0.62 |
| AVUV Avantis US Small Cap Value | Reduce -25.6% | 1.84% | −0.59 |
| USMV iShares MSCI USA Min Vol Fac | Reduce -16.5% | 1.04% | −0.28 |
| JEPQ JPM Nasdaq Equity Premium | Reduce -11.4% | 1.68% | −0.25 |
| SHY iShares 1-3 Year Treasury Bo | Reduce -18.8% | 0.68% | −0.22 |
| ITOT iShares Core S&P Total U.S. | Reduce -16.6% | 0.97% | −0.19 |
| QQQE Dirx Nasdaq-100EQ Wi ETF-Usd | Reduce -32.3% | 0.35% | −0.19 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Reduce -4.7% | 1.33% | −0.17 |
| XLF SS Financial Select Sector | Reduce -44.9% | 0.17% | −0.16 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Reduce -11.2% | 1.48% | −0.15 |
| RSP Invesco S&P 500 Equal Weight | Reduce -60.4% | 0.09% | −0.14 |
| SPMB SS SPDR P Mort Back Bond ETF | Sold out | 0.00% | −0.12 |
| HIMU iShares High Yild Muni A ETF | Reduce -33.5% | 0.21% | −0.12 |
| ADBE Adobe Inc. | Sold out | 0.00% | −0.12 |
| NOW ServiceNow Inc. | Reduce -26.0% | 0.19% | −0.12 |
| IBHF iShares Ibond 2026 HY & Inc. | Reduce -15.2% | 0.45% | −0.12 |
| TTD Trade Desk Inc./the Class A | Sold out | 0.00% | −0.11 |
| TSLL Dirx DLY Tsla Bul 2X ETF-Aui | Sold out | 0.00% | −0.09 |
| AMD Advanced Micro Devices | Reduce -35.2% | 0.21% | −0.09 |
| KBWP Invesco KBW Property & Casua | Reduce -46.0% | 0.08% | −0.08 |
| PFE Pfizer Inc. | Sold out | 0.00% | −0.08 |
| BSX Boston Scientific Corp. | Reduce -4.9% | 0.32% | −0.08 |
| RVTY Revvity Inc. | Sold out | 0.00% | −0.08 |
| TGT Target Corp. | Sold out | 0.00% | −0.08 |
| BILS SS Spdrb B 3-12M T-Bill ETF | Reduce -3.3% | 0.68% | −0.07 |
| PYPL PayPal Holdings Inc. | Sold out | 0.00% | −0.07 |
| AON Aon PLC Class A | Sold out | 0.00% | −0.07 |
| CRM Salesforce Inc. | Reduce -5.0% | 0.24% | −0.07 |
| NFLX Netflix Inc. | Reduce -2.1% | 0.32% | −0.07 |
| VRTX Vertex Pharmaceuticals Inc. | Sold out | 0.00% | −0.07 |
| IEF iShares 7-10 Year Treasury B | Sold out | 0.00% | −0.07 |
| RCL Royal Caribbean Cruises Ltd. | Sold out | 0.00% | −0.07 |
| CRWD CrowdStrike Holdings Inc. Class A | Sold out | 0.00% | −0.06 |
| ADP Automatic Data Processing | Sold out | 0.00% | −0.06 |
| JEPI JPMorgan Equity Premium Inco | Reduce -1.8% | 0.68% | −0.06 |
| AGG iShares Core U.S. Aggregate | Reduce -3.3% | 0.44% | −0.04 |
| PANW Palo Alto Networks Inc. | Reduce -19.8% | 0.11% | −0.04 |
| META Meta Platforms Inc. Class A | Reduce -1.0% | 0.40% | −0.04 |
| GBIL Goldman Sachs Access Treasur | Reduce -6.0% | 0.20% | −0.03 |
| FV First Trust DW Focus 5 Fund | Reduce -10.9% | 0.17% | −0.03 |
| VZ Verizon Communications Inc. | Reduce -15.9% | 0.09% | −0.02 |
| EEMV iShares MSCI Emg MKT Min Vol | Reduce -0.3% | 0.40% | −0.02 |
| XLE SS Energy Select Sector | Reduce -20.2% | 0.08% | −0.02 |
| ASML ASML Holding NV-NY Reg SHS | Reduce -18.4% | 0.18% | −0.02 |
| SMH Vaneck Semiconductor ETF | Reduce -28.0% | 0.06% | −0.02 |
| TRV The Travelers Cos Inc. | Reduce -16.8% | 0.06% | −0.01 |
| CSCO Cisco Systems Inc. | Reduce -0.2% | 0.13% | −0.01 |
Portfolio Buys Q2 2025 → Q3 2025
| GLD SPDR Gold Shares | Add +146.0% | 4.28% | +2.67 |
| VIG Vanguard Dividend Apprec ETF | Add +45.2% | 7.07% | +2.11 |
| BND Vanguard Total Bond Market | Add +23.2% | 8.50% | +1.16 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +24.5% | 5.57% | +1.07 |
| IQLT iShares MSCI International Q | Add +15.0% | 6.87% | +0.59 |
| WINN Harbor Long-Term Growers ETF | Add +413.7% | 0.50% | +0.40 |
| FLRN SS SPDR BB Ig Float RT ETF | Add +112.3% | 0.59% | +0.29 |
| GOOG Alphabet Inc. Class C | Add +23.4% | 0.75% | +0.27 |
| TSLA Tesla Inc. | Add +65.7% | 0.51% | +0.27 |
| AAPL Apple Inc. | Add +5.5% | 1.40% | +0.25 |
| STIP iShares 0-5 Year Tips Bond E | Add +64.6% | 0.68% | +0.24 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +18.6% | 1.30% | +0.20 |
| NVDA Nvidia Corp. | Add +2.3% | 1.67% | +0.18 |
| TLT iShares 20+ Year Treasury BD | New | 0.17% | +0.17 |
| TIP iShares Tips Bond ETF | New | 0.17% | +0.17 |
| GOOGL Alphabet Inc. Class A | Add +15.6% | 0.47% | +0.15 |
| LRCX Lam Research Corp. | Add +39.1% | 0.28% | +0.12 |
| DGRO iShares Core Dividend Growth | Add +25.1% | 0.62% | +0.12 |
| IBHG iShares Ibonds 2027 HY Inc. | New | 0.10% | +0.10 |
| VSGX Vanguard ESG Intl Stock ETF | Add +14.4% | 0.78% | +0.09 |
| IBM Intl Business Machines Corp. | Add +77.5% | 0.23% | +0.09 |
| JPM JPMorgan Chase & Co. | Add +15.3% | 0.59% | +0.08 |
| VTI VG Morningstar TS MKT ETF-US | Add +1.4% | 4.48% | +0.08 |
| GDX Vaneck Gold Miners ETF | New | 0.08% | +0.08 |
| TLH iShares 10-20 Year Treasury | Add +13.6% | 1.14% | +0.08 |
| ANET Arista Networks Inc. | Add +6.1% | 0.26% | +0.07 |
| AVGO Broadcom Inc. | Add +3.2% | 0.58% | +0.07 |
| QQQ Invesco QQQ Trust Series 1 | Add +1.3% | 2.92% | +0.07 |
| AJG Arthur J Gallagher & Co. | New | 0.07% | +0.07 |
| BX Blackstone Inc. | New | 0.07% | +0.07 |
| LLY Eli Lilly & Co. | Add +19.6% | 0.84% | +0.07 |
| SYM Symbotic Inc. | New | 0.07% | +0.07 |
| C Citigroup Inc. | New | 0.06% | +0.06 |
| NVT Nvent Electric PLC | New | 0.06% | +0.06 |
| NXPI NXP Semiconductors NV | New | 0.06% | +0.06 |
| SHYG iShares 0-5 YR HY Corp. Bond | Add +25.5% | 0.41% | +0.06 |
| NOC Northrop Grumman Corp. | New | 0.06% | +0.06 |
| MRVL Marvell Technology Inc. | New | 0.06% | +0.06 |
| COST Costco Wholesale Corp. | Add +42.9% | 0.29% | +0.06 |
| ESGV Vanguard ESG US Stock ETF | New | 0.06% | +0.06 |
| GEV GE Vernova Inc. | New | 0.06% | +0.06 |
| IJR iShares Core S&P Small-Cap E | Add +11.7% | 0.40% | +0.05 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +60.5% | 0.11% | +0.04 |
| WMT Walmart Inc. | Add +14.0% | 0.37% | +0.04 |
| VEA Vanguard Ftse Developed ETF | Add +7.4% | 0.74% | +0.04 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +18.0% | 0.28% | +0.03 |
| ORCL Oracle Corp. | Add +7.5% | 0.14% | +0.03 |
| IXUS iShares Core Intl Stock ETF | Add +5.9% | 0.61% | +0.03 |
| ESML iShares ESG Aware MSCI USA S | Add +25.7% | 0.13% | +0.03 |
| CMI Cummins Inc. | Add +0.5% | 0.13% | +0.02 |
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 |