Carr Financial Group Corp
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 9, 2026), Carr Financial Group Corp reported 179 stock positions worth $375.5 million. Its top holding was Vanguard Total Bond Market (BND) at 8.6% of the portfolio, followed by Vanguard Dividend Apprec ETF (VIG, 7.0%) and iShares MSCI International Q (IQLT, 7.0%). Compared with Q3 2025, it opened 13 new positions, sold out of 22, added to 78 and reduced 78. The biggest buy was iShares MSCI Emr MRK Ex Chna (EMXC, shares +8%) and the biggest sale SS SPDR BB 1-3M T-Bill ETF (BIL, shares −65%).
- Most Recent 13F
- Q2 2026
- Location
- WORCESTER, MA
- CIK
- 0001931232
- Portfolio Value
- $375.5M (Q4 2025)
- SEC Filing
- 0001931232-26-000001 ↗ filed Jan 9, 2026
Holdings Value
Holdings 179 stocks · $375.5M
| BND Vanguard Total Bond Market | 8.57% | 434,354 | $32.2M | Add +4.3% |
| VIG Vanguard Dividend Apprec ETF | 7.02% | 119,953 | $26.4M | Add +0.6% |
| IQLT iShares MSCI International Q | 7.01% | 579,506 | $26.3M | Add +2.3% |
| EMXC iShares MSCI Emr MRK Ex Chna | 6.30% | 325,506 | $23.7M | Add +8.4% |
| GLD SPDR Gold Shares | 4.74% | 44,898 | $17.8M | Add +2.5% |
| VTI VG Morningstar TS MKT ETF-US | 4.34% | 48,579 | $16.3M | Reduce -2.3% |
| HELO JPMorgan Hedged Equity ETF | 3.83% | 216,332 | $14.4M | Add +3.5% |
| QQQ Invesco QQQ Trust Series 1 | 3.13% | 19,129 | $11.8M | Add +7.8% |
| IJH iShares Core S&P Midcap ETF | 2.86% | 162,812 | $10.7M | Reduce -1.5% |
| JEPQ JPM Nasdaq Equity Premium filed as J P MORGAN EXCHANGE TRADED F | 2.18% | 140,611 | $8.2M | Add +32.6% |
| AVUV Avantis US Small Cap Value | 1.77% | 65,341 | $6.7M | Reduce -2.7% |
| NVDA Nvidia Corp. | 1.48% | 29,818 | $5.6M | Reduce -8.3% |
| AAPL Apple Inc. | 1.48% | 20,444 | $5.6M | Add +2.0% |
| VB Vanguard Most SM-Cap ETF-Usd | 1.45% | 21,159 | $5.5M | Add +13.3% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 1.40% | 12,730 | $5.3M | Reduce -5.0% |
| BILS SS Spdrb B 3-12M T-Bill ETF | 1.34% | 50,828 | $5.0M | Add +105.6% |
| MSFT Microsoft Corp. | 1.29% | 10,023 | $4.8M | Reduce -8.8% |
| SCHX Schwab US Large-Cap ETF | 1.22% | 170,881 | $4.6M | Reduce -2.6% |
| AMZN Amazon.com Inc. | 1.12% | 18,192 | $4.2M | Reduce -8.2% |
| LLY Eli Lilly & Co. | 1.06% | 3,705 | $4.0M | Reduce -7.3% |
| DGRO iShares Core Dividend Growth | 1.00% | 54,268 | $3.8M | Add +64.5% |
| ITOT iShares Core S&P Total U.S. | 0.96% | 24,347 | $3.6M | Reduce -0.1% |
| USMV iShares MSCI USA Min Vol Fac | 0.92% | 36,514 | $3.4M | Reduce -7.9% |
| GOOG Alphabet Inc. Class C | 0.88% | 10,578 | $3.3M | Reduce -5.4% |
| VEA Vanguard Ftse Developed ETF | 0.81% | 48,798 | $3.0M | Add +7.9% |
| VSGX Vanguard ESG Intl Stock ETF | 0.79% | 41,189 | $2.9M | Add +0.1% |
| QUAL iShares MSCI USA Quality Fac | 0.78% | 14,790 | $2.9M | Reduce -2.9% |
| SHY iShares 1-3 Year Treasury Bo | 0.70% | 31,666 | $2.6M | Add +6.5% |
| STIP iShares 0-5 Year Tips Bond E | 0.68% | 25,007 | $2.6M | Add +4.4% |
| IXUS iShares Core Intl Stock ETF | 0.63% | 28,037 | $2.4M | Add +4.5% |
| FLRN SS SPDR BB Ig Float RT ETF | 0.61% | 75,034 | $2.3M | Add +7.4% |
| VYM Vanguard High DVD Yield ETF | 0.60% | 15,803 | $2.3M | Reduce -1.6% |
| AMAT Applied Materials Inc. | 0.59% | 8,638 | $2.2M | Reduce -3.0% |
| JPM JPMorgan Chase & Co. | 0.58% | 6,714 | $2.2M | Reduce -1.3% |
| SUB iShares Short-Term National | 0.56% | 19,730 | $2.1M | Add +0.8% |
| GOOGL Alphabet Inc. Class A | 0.56% | 6,708 | $2.1M | Reduce -4.9% |
| JEPI JPMorgan Equity Premium Inco | 0.53% | 34,881 | $2.0M | Reduce -19.0% |
| IBHG iShares Ibonds 2027 HY Inc. | 0.52% | 87,033 | $1.9M | Add +453.8% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.51% | 23,956 | $1.9M | Reduce -5.7% |
| TLH iShares 10-20 Year Treasury | 0.51% | 18,675 | $1.9M | Reduce -53.8% |
| SHYG iShares 0-5 YR HY Corp. Bond | 0.50% | 44,002 | $1.9M | Add +26.1% |
| AVGO Broadcom Inc. | 0.49% | 5,347 | $1.9M | Reduce -15.9% |
| AXP American Express Co. | 0.48% | 4,917 | $1.8M | Add +0.7% |
| AGG iShares Core U.S. Aggregate | 0.46% | 17,278 | $1.7M | Add +8.3% |
| TSLA Tesla Inc. | 0.46% | 3,812 | $1.7M | Reduce -8.5% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.45% | 18,485 | $1.7M | Reduce -65.1% |
| WMT Walmart Inc. | 0.44% | 14,761 | $1.6M | Add +12.9% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.40% | 2 | $1.5M | No change |
| EEMV iShares MSCI Emg MKT Min Vol | 0.39% | 22,949 | $1.5M | Add +1.3% |
| IBHF iShares Ibond 2026 HY & Inc. | 0.39% | 62,866 | $1.5M | Reduce -11.0% |
| PPA Invesco Aerospace & Defense | 0.36% | 8,634 | $1.4M | Reduce -5.7% |
| EFAV iShares MSCI Eafe Min Vol Fa | 0.35% | 15,134 | $1.3M | Add +49.4% |
| IUSV iShares Core S&P U.S. Value | 0.34% | 12,567 | $1.3M | Add +0.5% |
| WINN Harbor Long-Term Growers ETF | 0.34% | 41,245 | $1.3M | Reduce -29.5% |
| IEF iShares 7-10 Year Treasury B | 0.32% | 12,397 | $1.2M | New |
| LRCX Lam Research Corp. | 0.31% | 6,870 | $1.2M | Reduce -9.2% |
| ABBV Abbvie Inc. | 0.31% | 5,078 | $1.2M | Reduce -1.5% |
| ESGD iShares Trust iShares ESG Aw | 0.30% | 11,983 | $1.1M | Add +1.9% |
| NOW ServiceNow Inc. | 0.30% | 7,245 | $1.1M | Add +88.2% |
| MUB iShares National Muni Bond E | 0.29% | 10,000 | $1.1M | No change |
| IJR iShares Core S&P Small-Cap E | 0.28% | 8,593 | $1.0M | Reduce -29.6% |
| BSX Boston Scientific Corp. | 0.27% | 10,812 | $1.0M | Reduce -8.8% |
| AMD Advanced Micro Devices | 0.27% | 4,770 | $1.0M | Add +3.2% |
| AMGN Amgen Inc. | 0.27% | 3,085 | $1.0M | Add +1.8% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.27% | 1,991 | $1.0M | Reduce -1.4% |
| PH Parker Hannifin Corp. | 0.27% | 1,135 | $998K | Reduce -1.9% |
| COST Costco Wholesale Corp. | 0.26% | 1,147 | $989K | Reduce -0.4% |
| META Meta Platforms Inc. Class A | 0.26% | 1,464 | $966K | Reduce -25.5% |
| PNQI Invesco Nasdaq Internet ETF | 0.26% | 17,853 | $963K | Reduce -20.8% |
| MA Mastercard Inc. Class A | 0.25% | 1,666 | $951K | Reduce -1.7% |
| QQQE Dirx Nasdaq-100EQ Wi ETF-Usd | 0.25% | 9,188 | $940K | Reduce -26.7% |
| HD Home Depot Inc. | 0.25% | 2,727 | $938K | Reduce -0.4% |
| CRM Salesforce Inc. | 0.24% | 3,467 | $918K | Reduce -6.7% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.24% | 3,049 | $903K | Add +2.0% |
| NFLX Netflix Inc. | 0.24% | 9,596 | $900K | Reduce -0.3% |
| MBB iShares MBS ETF | 0.23% | 9,021 | $859K | Add +1.4% |
| TSM Taiwan Semiconductor-SP ADR | 0.23% | 2,797 | $850K | Add +4.6% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.22% | 1,229 | $838K | Add +1.6% |
| ANET Arista Networks Inc. | 0.21% | 6,056 | $794K | Reduce -6.3% |
| VEU Vanguard Ftse All-World Ex-U | 0.20% | 10,318 | $759K | New |
| ASML ASML Holding NV-NY Reg SHS | 0.19% | 684 | $732K | Add +0.6% |
| GSK GSK PLC-Spon ADR | 0.19% | 14,314 | $702K | Add +1.0% |
| PNC PNC Financial Services Group | 0.19% | 3,351 | $699K | Reduce -5.4% |
| LMT Lockheed Martin Corp. | 0.18% | 1,414 | $684K | Add +0.3% |
| RTX RTX Corp. | 0.18% | 3,681 | $675K | Reduce -3.9% |
| LIN Linde PLC | 0.17% | 1,536 | $655K | Add +7.9% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.17% | 2,240 | $650K | Add +65.6% |
| XLF SS Financial Select Sector | 0.17% | 11,708 | $641K | Reduce -0.8% |
| GBIL Goldman Sachs Access Treasur | 0.17% | 6,293 | $629K | Reduce -12.5% |
| BKNG Booking Holdings Inc. | 0.16% | 115 | $617K | Add +13.9% |
| UBER Uber Technologies Inc. | 0.16% | 7,540 | $616K | Reduce -23.8% |
| TLT iShares 20+ Year Treasury BD | 0.16% | 7,000 | $610K | No change |
| JNJ Johnson & Johnson | 0.16% | 2,912 | $603K | Add +0.2% |
| PWR Quanta Services Inc. | 0.16% | 1,413 | $596K | Reduce -3.9% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.15% | 10,537 | $580K | Add +3.1% |
| CMI Cummins Inc. | 0.15% | 1,115 | $569K | Add +0.5% |
| ETN Eaton Corp. PLC | 0.15% | 1,771 | $564K | Reduce -0.6% |
| TIP iShares Tips Bond ETF | 0.15% | 5,033 | $553K | Reduce -9.8% |
| AJG Arthur J Gallagher & Co. filed as GALLAGHER ARTHUR J & CO | 0.14% | 2,104 | $545K | Add +144.7% |
| MRK Merck & Co. Inc. | 0.14% | 5,132 | $540K | Add +1.2% |
Options reported separately and not counted above: QQQ puts ($307K), BRK.B calls ($101K), AMZN calls ($69K), META calls ($66K), GOOG calls ($63K), WMT calls ($56K), GDX calls ($51K), UBER calls ($16K).
Portfolio Sells Q3 2025 → Q4 2025
| BIL SS SPDR BB 1-3M T-Bill ETF | Reduce -65.1% | 0.45% | −0.88 |
| TLH iShares 10-20 Year Treasury | Reduce -53.8% | 0.51% | −0.64 |
| IBHE iShares Ibonds 2025 H/Y Inc. | Sold out | 0.00% | −0.43 |
| MSFT Microsoft Corp. | Reduce -8.8% | 1.29% | −0.27 |
| HIMU iShares High Yild Muni A ETF | Sold out | 0.00% | −0.21 |
| NVDA Nvidia Corp. | Reduce -8.3% | 1.48% | −0.18 |
| WINN Harbor Long-Term Growers ETF | Reduce -29.5% | 0.34% | −0.16 |
| PEP Pepsico Inc. | Sold out | 0.00% | −0.15 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -2.3% | 4.34% | −0.14 |
| JEPI JPMorgan Equity Premium Inco | Reduce -19.0% | 0.53% | −0.14 |
| META Meta Platforms Inc. Class A | Reduce -25.5% | 0.26% | −0.14 |
| IJR iShares Core S&P Small-Cap E | Reduce -29.6% | 0.28% | −0.12 |
| USMV iShares MSCI USA Min Vol Fac | Reduce -7.9% | 0.92% | −0.12 |
| UBER Uber Technologies Inc. | Reduce -23.8% | 0.16% | −0.10 |
| TXN Texas Instruments Inc. | Sold out | 0.00% | −0.10 |
| QQQE Dirx Nasdaq-100EQ Wi ETF-Usd | Reduce -26.7% | 0.25% | −0.10 |
| IJH iShares Core S&P Midcap ETF | Reduce -1.5% | 2.86% | −0.10 |
| VZ Verizon Communications Inc. | Sold out | 0.00% | −0.09 |
| PNQI Invesco Nasdaq Internet ETF | Reduce -20.8% | 0.26% | −0.09 |
| RSP Invesco S&P 500 Equal Weight | Sold out | 0.00% | −0.09 |
| ROP Roper Technologies Inc. | Sold out | 0.00% | −0.09 |
| KBWP Invesco KBW Property & Casua | Sold out | 0.00% | −0.08 |
| AVGO Broadcom Inc. | Reduce -15.9% | 0.49% | −0.08 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Reduce -5.0% | 1.40% | −0.08 |
| NFLX Netflix Inc. | Reduce -0.3% | 0.24% | −0.08 |
| AMZN Amazon.com Inc. | Reduce -8.2% | 1.12% | −0.08 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Sold out | 0.00% | −0.08 |
| MO Altria Group Inc. | Sold out | 0.00% | −0.08 |
| FV First Trust DW Focus 5 Fund | Reduce -41.3% | 0.10% | −0.07 |
| SPOT Spotify Technology SA | Sold out | 0.00% | −0.07 |
| SYM Symbotic Inc. | Sold out | 0.00% | −0.07 |
| IBHF iShares Ibond 2026 HY & Inc. | Reduce -11.0% | 0.39% | −0.07 |
| DELL Dell Technologies -C | Sold out | 0.00% | −0.07 |
| C Citigroup Inc. | Sold out | 0.00% | −0.06 |
| NVT Nvent Electric PLC | Sold out | 0.00% | −0.06 |
| KMB Kimberly-Clark Corp. | Sold out | 0.00% | −0.06 |
| AVUV Avantis US Small Cap Value | Reduce -2.7% | 1.77% | −0.06 |
| CMG Chipotle Mexican Grill Inc. | Sold out | 0.00% | −0.06 |
| ESGV Vanguard ESG US Stock ETF | Sold out | 0.00% | −0.06 |
| CI The Cigna Group | Sold out | 0.00% | −0.06 |
| ICE Intercontinental Exchange Inc. | Sold out | 0.00% | −0.06 |
| GEV GE Vernova Inc. | Sold out | 0.00% | −0.06 |
| HD Home Depot Inc. | Reduce -0.4% | 0.25% | −0.05 |
| TSLA Tesla Inc. | Reduce -8.5% | 0.46% | −0.05 |
| VCSH Vanguard S/T Corp. Bond ETF | Reduce -5.7% | 0.51% | −0.05 |
| ANET Arista Networks Inc. | Reduce -6.3% | 0.21% | −0.05 |
| SCHX Schwab US Large-Cap ETF | Reduce -2.6% | 1.22% | −0.04 |
| BSX Boston Scientific Corp. | Reduce -8.8% | 0.27% | −0.04 |
| ETN Eaton Corp. PLC | Reduce -0.6% | 0.15% | −0.03 |
| QUAL iShares MSCI USA Quality Fac | Reduce -2.9% | 0.78% | −0.03 |
Portfolio Buys Q3 2025 → Q4 2025
| EMXC iShares MSCI Emr MRK Ex Chna | Add +8.4% | 6.30% | +0.74 |
| BILS SS Spdrb B 3-12M T-Bill ETF | Add +105.6% | 1.34% | +0.67 |
| JEPQ JPM Nasdaq Equity Premium | Add +32.6% | 2.18% | +0.50 |
| GLD SPDR Gold Shares | Add +2.5% | 4.74% | +0.46 |
| IBHG iShares Ibonds 2027 HY Inc. | Add +453.8% | 0.52% | +0.42 |
| DGRO iShares Core Dividend Growth | Add +64.5% | 1.00% | +0.39 |
| IEF iShares 7-10 Year Treasury B | New | 0.32% | +0.32 |
| QQQ Invesco QQQ Trust Series 1 | Add +7.8% | 3.13% | +0.21 |
| VEU Vanguard Ftse All-World Ex-U | New | 0.20% | +0.20 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +13.3% | 1.45% | +0.15 |
| IQLT iShares MSCI International Q | Add +2.3% | 7.01% | +0.14 |
| EFAV iShares MSCI Eafe Min Vol Fa | Add +49.4% | 0.35% | +0.11 |
| NOW ServiceNow Inc. | Add +88.2% | 0.30% | +0.10 |
| IDVO Amplify CWP Intl Enh DVD Inc. | New | 0.10% | +0.10 |
| HELO JPMorgan Hedged Equity ETF | Add +3.5% | 3.83% | +0.10 |
| SHYG iShares 0-5 YR HY Corp. Bond | Add +26.1% | 0.50% | +0.09 |
| AAPL Apple Inc. | Add +2.0% | 1.48% | +0.08 |
| DECK Deckers Outdoor Corp. | New | 0.08% | +0.08 |
| AJG Arthur J Gallagher & Co. | Add +144.7% | 0.14% | +0.07 |
| WMT Walmart Inc. | Add +12.9% | 0.44% | +0.07 |
| VEA Vanguard Ftse Developed ETF | Add +7.9% | 0.81% | +0.07 |
| INTU Intuit Inc. | New | 0.07% | +0.07 |
| AMD Advanced Micro Devices | Add +3.2% | 0.27% | +0.07 |
| BND Vanguard Total Bond Market | Add +4.3% | 8.57% | +0.07 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +65.6% | 0.17% | +0.06 |
| PSI Invesco Semiconductors ETF | New | 0.06% | +0.06 |
| FXF Invesco Currencyshares Swiss | New | 0.06% | +0.06 |
| ADP Automatic Data Processing | New | 0.06% | +0.06 |
| JLL Jones Lang Lasalle Inc. | New | 0.06% | +0.06 |
| NEE Nextera Energy Inc. | New | 0.06% | +0.06 |
| VXUS Vanguard Total Intl Stock | New | 0.05% | +0.05 |
| SLV iShares Silver Trust | New | 0.05% | +0.05 |
| XLV SS Health Care Select Sector | Add +49.6% | 0.11% | +0.04 |
| AXP American Express Co. | Add +0.7% | 0.48% | +0.04 |
| AMGN Amgen Inc. | Add +1.8% | 0.27% | +0.03 |
| AZN Astrazeneca PLC-Spons ADR | Add +22.8% | 0.09% | +0.03 |
| MRK Merck & Co. Inc. | Add +1.2% | 0.14% | +0.03 |
| IXUS iShares Core Intl Stock ETF | Add +4.5% | 0.63% | +0.02 |
| CMI Cummins Inc. | Add +0.5% | 0.15% | +0.02 |
| FLRN SS SPDR BB Ig Float RT ETF | Add +7.4% | 0.61% | +0.02 |
| TSM Taiwan Semiconductor-SP ADR | Add +4.6% | 0.23% | +0.02 |
| SHY iShares 1-3 Year Treasury Bo | Add +6.5% | 0.70% | +0.02 |
| AGG iShares Core U.S. Aggregate | Add +8.3% | 0.46% | +0.02 |
| GSK GSK PLC-Spon ADR | Add +1.0% | 0.19% | +0.02 |
| TMO Thermo Fisher Scientific Inc. | Add +0.5% | 0.12% | +0.02 |
| BKNG Booking Holdings Inc. | Add +13.9% | 0.16% | +0.01 |
| ASML ASML Holding NV-NY Reg SHS | Add +0.6% | 0.19% | +0.01 |
| SMH Vaneck Semiconductor ETF | Add +14.3% | 0.07% | +0.01 |
| JNJ Johnson & Johnson | Add +0.2% | 0.16% | +0.01 |
| GILD Gilead Sciences Inc. | Add +0.6% | 0.14% | +0.01 |
Options Activity Q3 2025 → Q4 2025
| QQQ Invesco QQQ Trust Series 1 | put | New | 500 | $307K |
| BRK.B Berkshire Hathaway Inc. Class B | call | New | 200 | $101K |
| AMZN Amazon.com Inc. | call | New | 300 | $69K |
| META Meta Platforms Inc. Class A | call | New | 100 | $66K |
| GOOG Alphabet Inc. Class C | call | New | 200 | $63K |
| WMT Walmart Inc. | call | New | 500 | $56K |
| GDX Vaneck Gold Miners ETF | call | New | 600 | $51K |
| UBER Uber Technologies Inc. | call | New | 200 | $16K |
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 |