Carter Financial Group, INC.

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 13, 2026), Carter Financial Group, INC. reported 121 stock positions worth $168.6 million. Its top holding was Berkshire Hathaway Class B (BRK.B) at 12.7% of the portfolio, followed by Invesco Nasdaq 100 ETF (QQQM, 7.1%) and Amplify CWP Enhan Divid ETF (DIVO, 4.8%). Compared with Q3 2025, it opened 18 new positions, sold out of 13, added to 59 and reduced 39. The biggest buy was Alphabet Class C (GOOG, shares +1%) and the biggest sale Oracle (ORCL, shares −15%).

Most Recent 13F
Q2 2026
Location
BARRINGTON, IL
CIK
0001919749
Portfolio Value
$168.6M (Q4 2025)
SEC Filing
0001104659-26-014882 ↗ filed Feb 13, 2026

Holdings Value

0$50.0M$100.0M$150.0M$200.0M Q2 2025: $152.9M Q2 2025 Q3 2025: $165.5M Q3 2025 Q4 2025: $168.6M $168.6M Q4 2025 Q1 2026: $161.7M Q1 2026 Q2 2026: $192.9M Q2 2026

Holdings 121 stocks · $168.6M
BRK.B Berkshire Hathaway Inc. Class B 12.71% 42,620 $21.4M Add +2.3%
QQQM Invesco Nasdaq 100 ETF 7.10% 47,335 $12.0M Add +1.4%
DIVO Amplify CWP Enhan Divid ETF 4.80% 181,918 $8.1M Add +6.1%
BLOK Amplify Blockchain Tech ETF 4.37% 129,640 $7.4M Add +1.9%
AAPL Apple Inc. 4.05% 25,137 $6.8M Add +0.1%
DBEF Xtrackers MSCI Eafe Hedged E 3.85% 134,750 $6.5M Add +3.6%
BITB Bitwise Bitcoin ETF 3.81% 134,982 $6.4M Add +4.3%
NVDA Nvidia Corp. 3.16% 28,556 $5.3M Add +6.6%
CALF PCR US SM CP CSH CWS ETF-Usd 2.82% 106,498 $4.8M Add +4.5%
BNDI Neos Enhanced Inc. Agg BD ETF 2.72% 96,315 $4.6M Add +6.5%
BLDG Cambria Global Real Estate 2.31% 158,998 $3.9M Add +6.2%
GOOG Alphabet Inc. Class C 2.09% 11,204 $3.5M Add +0.6%
MSFT Microsoft Corp. 1.99% 6,950 $3.4M Add +1.4%
GABF Gabelli Fin Srvcs Opp ETF 1.80% 64,553 $3.0M Add +5.8%
VWO Vanguard Ftse Emerging Marke 1.66% 51,944 $2.8M Add +2.5%
GOOGL Alphabet Inc. Class A 1.58% 8,499 $2.7M Add +8.1%
PLTR Palantir Technologies Inc. Class A 1.56% 14,830 $2.6M Reduce -6.1%
QQQ Invesco QQQ Trust Series 1 1.45% 3,988 $2.5M Reduce -2.1%
SCHC Schwab Intl Small-Cap Equity 1.42% 52,561 $2.4M Add +2.8%
TSLA Tesla Inc. 1.13% 4,230 $1.9M Reduce -5.8%
JPST JPMorgan Ultra-Short Income 1.07% 35,416 $1.8M Add +1.7%
SHLD Global X Defense Tech ETF 1.01% 26,264 $1.7M Add +6.8%
JMBS Janus Henderson Mortg Backed 1.01% 37,259 $1.7M Add +1.4%
SCHH Schwab US REIT ETF 1.00% 81,013 $1.7M Add +5.5%
AMZN Amazon.com Inc. 0.97% 7,097 $1.6M Reduce -10.5%
PPA Invesco Aerospace & Defense 0.96% 10,341 $1.6M Add +2.1%
SMH Vaneck Semiconductor ETF 0.92% 4,310 $1.6M Add +8.4%
SPY SS SPDR S&P 500 ETF Trust-US 0.80% 1,976 $1.4M Reduce -0.6%
ZECP Zacks Earnings Consistent Po 0.78% 37,547 $1.3M Reduce -17.2%
VOO Vanguard S&P 500 ETF 0.73% 1,975 $1.2M Add +0.1%
IWV iShares Russell 3000 ETF 0.71% 3,115 $1.2M No change
XOM Exxon Mobil Corp. 0.71% 9,946 $1.2M Add +1.2%
BNDX Vanguard Total Intl Bond ETF 0.71% 24,688 $1.2M Add +4.3%
ITW Illinois Tool Works 0.65% 4,424 $1.1M Add +0.1%
ANET Arista Networks Inc. 0.63% 8,069 $1.1M Reduce -0.1%
ORCL Oracle Corp. 0.62% 5,401 $1.1M Reduce -15.1%
VTEB Vanguard Tax-Exempt Bond ETF 0.61% 20,592 $1.0M Add +2.5%
RTX RTX Corp. 0.55% 5,028 $922K Add +2.4%
MBB iShares MBS ETF 0.51% 9,045 $861K Add +1.7%
AVGO Broadcom Inc. 0.51% 2,466 $854K Reduce -3.3%
SLYV SS SPDR S&P 600 SC Val ETF 0.50% 9,203 $837K Reduce -6.8%
JPM JPMorgan Chase & Co. 0.49% 2,571 $828K Reduce -6.9%
AMGN Amgen Inc. 0.45% 2,327 $762K Add +5.9%
WMT Walmart Inc. 0.45% 6,788 $758K Reduce -14.7%
EMB iShares JP Morgan Usd Emergi 0.45% 7,814 $752K Add +1.2%
VCIT Vanguard Int-Term Corporate 0.43% 8,611 $721K Add +2.8%
XOVR Ershares Private-Public Cros 0.41% 34,464 $694K Add +21.1%
VGIT Vanguard Intermediate-Term T 0.40% 11,389 $683K Add +2.7%
META Meta Platforms Inc. Class A 0.40% 1,016 $670K Reduce -0.6%
NGL NGL Energy Partners LP 0.38% 64,889 $649K No change
SNA Snap-on Inc. 0.35% 1,736 $598K Add +0.7%
IWB iShares Russell 1000 ETF 0.35% 1,583 $591K Add +0.3%
QTUM Defiance Quantum ETF 0.31% 4,755 $521K Add +38.7%
AXP American Express Co. 0.31% 1,403 $519K Reduce -7.0%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.30% 1,734 $514K Reduce -3.9%
JNJ Johnson & Johnson 0.30% 2,411 $499K New
HSBC HSBC Holdings PLC-Spons ADR filed as HSBC HLDGS PLC 0.29% 6,283 $494K Add +53.4%
SMIZ Zacks Small/Mid Cap ETF 0.29% 13,260 $494K Reduce -16.3%
QUIZ Zacks QLTY Inter'l Fund 0.29% 18,565 $493K New
AIS Vistashares Ais ETF 0.29% 12,829 $485K Add +36.0%
CSHI Neos Enhanced Income 1-3 Mon 0.28% 9,432 $469K Add +0.3%
GE General Electric filed as GE AEROSPACE 0.28% 1,505 $464K Add +10.2%
C Citigroup Inc. 0.27% 3,864 $451K Reduce -3.6%
INTC Intel Corp. 0.26% 11,876 $438K Add +22.0%
NFLX Netflix Inc. 0.26% 4,637 $435K Add +27.0%
VGSH Vanguard Short-Term Treasury 0.25% 7,250 $426K Reduce -3.9%
IBUY Amplify Online Retail ETF 0.25% 5,708 $425K Reduce -4.4%
GS Goldman Sachs Group Inc. 0.25% 479 $421K Reduce -6.3%
IBB iShares Biotechnology ETF 0.24% 2,370 $400K No change
CEG Constellation Energy 0.24% 1,131 $400K Add +6.7%
NVS Novartis AG-Sponsored ADR 0.24% 2,886 $398K New
XYZ Block Inc. 0.23% 6,079 $396K Reduce -3.1%
IEMG iShares Core MSCI Emerging 0.23% 5,864 $394K Reduce -1.1%
ABBV Abbvie Inc. 0.23% 1,714 $392K Add +58.1%
VCSH Vanguard S/T Corp. Bond ETF 0.23% 4,808 $383K Add +2.2%
IAGG iShares Intl Aggregate Bond 0.22% 7,460 $373K Add +0.6%
ITOT iShares Core S&P Total U.S. 0.22% 2,477 $368K Add +0.3%
SAN Banco Santander SA-Spon ADR 0.22% 31,288 $367K New
USHY iShares Broad Usd High Yield 0.22% 9,748 $365K Add +3.0%
V Visa Inc. Class A 0.22% 1,035 $363K Reduce -30.4%
SPIB SS SPDR P Int C Corp. ETF 0.21% 10,578 $358K Reduce -6.5%
AGG iShares Core U.S. Aggregate 0.21% 3,548 $354K Reduce -10.7%
COIN Coinbase Global Inc. Class A 0.21% 1,534 $347K Reduce -5.8%
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.21% 6,292 $346K Reduce -9.1%
T AT&T Inc. 0.20% 13,665 $339K Add +7.1%
AZN Astrazeneca PLC-Spons ADR 0.20% 3,626 $333K Add +28.9%
ITA iShares U.S. Aerospace & Def 0.19% 1,514 $325K No change
IWM iShares Russell 2000 ETF 0.19% 1,312 $323K Reduce -0.1%
TD Toronto-Dominion Bank 0.19% 3,405 $321K New
AMD Advanced Micro Devices 0.18% 1,420 $304K New
VB Vanguard Most SM-Cap ETF-Usd 0.18% 1,153 $298K Add +0.6%
MCD McDonald's Corp. 0.18% 968 $296K Add +0.1%
BANCO BBVA ARGENTINA S A 0.17% 12,468 $291K New
COF Capital One Financial Corp. 0.17% 1,189 $288K Reduce -26.8%
BCS Barclays PLC-Spons ADR 0.16% 10,904 $277K Reduce -1.3%
SCHP Schwab U.S. Tips ETF 0.16% 10,192 $270K Add +3.2%
CSCO Cisco Systems Inc. 0.16% 3,466 $267K Reduce -13.9%
LII Lennox International Inc. 0.16% 544 $265K Add +0.4%
AVUV Avantis US Small Cap Value 0.15% 2,495 $254K Add +0.4%
VWOB Vanguard Emerg MKTS Gov BND 0.15% 3,716 $251K Reduce -0.3%
MU Micron Technology Inc. 0.14% 841 $240K New
LUV Southwest Airlines Co. 0.14% 5,707 $237K New
BTI British American Tob-SP ADR 0.14% 4,092 $235K Add +7.0%
VMBS Vanguard Mortgage-Backed Sec 0.14% 4,972 $234K Reduce -4.1%
XBI SS SPDR S&P Biotech ETF 0.14% 1,917 $234K New
DRIV Global X Autonomous&elec-ETF 0.14% 7,824 $233K Reduce -2.6%
MMM 3M Co. 0.14% 1,439 $230K Reduce -2.0%
GUNR NT Mstar GLBL NR ETF 0.13% 4,863 $223K Reduce -4.3%
PCOK Pacific Oak Strategic Opport 0.13% 38,050 $218K New
GEV GE Vernova Inc. 0.12% 321 $210K Reduce -6.7%
CAT Caterpillar Inc. 0.12% 366 $210K New
LRCX Lam Research Corp. 0.12% 1,180 $202K New
ASML ASML Holding NV-NY Reg SHS 0.12% 189 $202K New
SCHE Schwab Emrg Mrkts Eqty ETF 0.12% 6,138 $201K Reduce -8.4%
NWBI Northwest Bancshares Inc. 0.11% 15,528 $186K No change
NWG Natwest Group PLC -Spon ADR 0.11% 10,177 $178K Reduce -1.9%
LYG Lloyds Banking Group PLC-ADR 0.08% 24,319 $129K New
CMRF Cim Real Estate Finance Trus 0.04% 12,851 $67K New
KBSR KBS Real Estate Investment T 0.04% 23,162 $63K New
DHF BNYM High Yield Strategies filed as BNY MELLON HIGH YIELD STRATE 0.03% 20,019 $50K Add +1.8%
LTNC Labor Smart Inc. 0.00% 8,000,000 $4K New

Portfolio Sells Q3 2025 → Q4 2025
ORCL Oracle Corp. Reduce -15.1% 0.62% −0.46
IEFA iShares Core MSCI Eafe ETF Sold out 0.00% −0.26
SHOP Shopify Inc. Class A Sold out 0.00% −0.22
PLTR Palantir Technologies Inc. Class A Reduce -6.1% 1.56% −0.18
SAP Sap SE-Sponsored ADR Sold out 0.00% −0.18
SONY Sony Group Corp. - SP ADR Sold out 0.00% −0.16
MUFG Mitsubishi Ufj Finl-Spon ADR Sold out 0.00% −0.16
APP AppLovin Corp. Class A Sold out 0.00% −0.16
SE Sea Ltd.-ADR Sold out 0.00% −0.15
BMO Bank of Montreal Sold out 0.00% −0.15
MA Mastercard Inc. Class A Sold out 0.00% −0.14
ZECP Zacks Earnings Consistent Po Reduce -17.2% 0.78% −0.14
CRWD CrowdStrike Holdings Inc. Class A Sold out 0.00% −0.13
WFC Wells Fargo & Co. Sold out 0.00% −0.13
COIN Coinbase Global Inc. Class A Reduce -5.8% 0.21% −0.13
MS Morgan Stanley Sold out 0.00% −0.12
V Visa Inc. Class A Reduce -30.4% 0.22% −0.09
MFG Mizuho Financial Group-ADR Sold out 0.00% −0.09
ANET Arista Networks Inc. Reduce -0.1% 0.63% −0.08
AMZN Amazon.com Inc. Reduce -10.5% 0.97% −0.08
TSLA Tesla Inc. Reduce -5.8% 1.13% −0.08
SMIZ Zacks Small/Mid Cap ETF Reduce -16.3% 0.29% −0.06
META Meta Platforms Inc. Class A Reduce -0.6% 0.40% −0.06
WMT Walmart Inc. Reduce -14.7% 0.45% −0.05
XYZ Block Inc. Reduce -3.1% 0.23% −0.04
COF Capital One Financial Corp. Reduce -26.8% 0.17% −0.04
JPM JPMorgan Chase & Co. Reduce -6.9% 0.49% −0.03
SLYV SS SPDR S&P 600 SC Val ETF Reduce -6.8% 0.50% −0.03
AGG iShares Core U.S. Aggregate Reduce -10.7% 0.21% −0.03
QQQ Invesco QQQ Trust Series 1 Reduce -2.1% 1.45% −0.03
IBUY Amplify Online Retail ETF Reduce -4.4% 0.25% −0.02
SPIB SS SPDR P Int C Corp. ETF Reduce -6.5% 0.21% −0.02
SCHE Schwab Emrg Mrkts Eqty ETF Reduce -8.4% 0.12% −0.02
VGSH Vanguard Short-Term Treasury Reduce -3.9% 0.25% −0.02
BAC Bank of America Corp. Reduce -9.1% 0.21% −0.01
VMBS Vanguard Mortgage-Backed Sec Reduce -4.1% 0.14% −0.01
CSCO Cisco Systems Inc. Reduce -13.9% 0.16% −0.01
GEV GE Vernova Inc. Reduce -6.7% 0.12% −0.00
IBM Intl Business Machines Corp. Reduce -3.9% 0.30% −0.00
IEMG iShares Core MSCI Emerging Reduce -1.1% 0.23% −0.00
GUNR NT Mstar GLBL NR ETF Reduce -4.3% 0.13% −0.00
AVGO Broadcom Inc. Reduce -3.3% 0.51% −0.00
VWOB Vanguard Emerg MKTS Gov BND Reduce -0.3% 0.15% −0.00
MMM 3M Co. Reduce -2.0% 0.14% −0.00
IWM iShares Russell 2000 ETF Reduce -0.1% 0.19% −0.00
SPY SS SPDR S&P 500 ETF Trust-US Reduce -0.6% 0.80% 0.00
DRIV Global X Autonomous&elec-ETF Reduce -2.6% 0.14% +0.00
GS Goldman Sachs Group Inc. Reduce -6.3% 0.25% +0.00
AXP American Express Co. Reduce -7.0% 0.31% +0.01
NWG Natwest Group PLC -Spon ADR Reduce -1.9% 0.11% +0.02

Portfolio Buys Q3 2025 → Q4 2025
GOOG Alphabet Inc. Class C Add +0.6% 2.09% +0.45
GOOGL Alphabet Inc. Class A Add +8.1% 1.58% +0.42
JNJ Johnson & Johnson New 0.30% +0.30
QUIZ Zacks QLTY Inter'l Fund New 0.29% +0.29
NVS Novartis AG-Sponsored ADR New 0.24% +0.24
SAN Banco Santander SA-Spon ADR New 0.22% +0.22
DBEF Xtrackers MSCI Eafe Hedged E Add +3.6% 3.85% +0.20
AAPL Apple Inc. Add +0.1% 4.05% +0.19
TD Toronto-Dominion Bank New 0.19% +0.19
DIVO Amplify CWP Enhan Divid ETF Add +6.1% 4.80% +0.19
AMD Advanced Micro Devices New 0.18% +0.18
BANCO BBVA ARGENTINA S A New 0.17% +0.17
MU Micron Technology Inc. New 0.14% +0.14
LUV Southwest Airlines Co. New 0.14% +0.14
NVDA Nvidia Corp. Add +6.6% 3.16% +0.14
XBI SS SPDR S&P Biotech ETF New 0.14% +0.14
SMH Vaneck Semiconductor ETF Add +8.4% 0.92% +0.14
QQQM Invesco Nasdaq 100 ETF Add +1.4% 7.10% +0.13
PCOK Pacific Oak Strategic Opport New 0.13% +0.13
CALF PCR US SM CP CSH CWS ETF-Usd Add +4.5% 2.82% +0.13
CAT Caterpillar Inc. New 0.12% +0.12
LRCX Lam Research Corp. New 0.12% +0.12
ASML ASML Holding NV-NY Reg SHS New 0.12% +0.12
HSBC HSBC Holdings PLC-Spons ADR Add +53.4% 0.29% +0.12
BNDI Neos Enhanced Inc. Agg BD ETF Add +6.5% 2.72% +0.12
QTUM Defiance Quantum ETF Add +38.7% 0.31% +0.09
AIS Vistashares Ais ETF Add +36.0% 0.29% +0.09
ABBV Abbvie Inc. Add +58.1% 0.23% +0.08
AMGN Amgen Inc. Add +5.9% 0.45% +0.08
LYG Lloyds Banking Group PLC-ADR New 0.08% +0.08
AZN Astrazeneca PLC-Spons ADR Add +28.9% 0.20% +0.07
INTC Intel Corp. Add +22.0% 0.26% +0.06
BRK.B Berkshire Hathaway Inc. Class B Add +2.3% 12.71% +0.05
RTX RTX Corp. Add +2.4% 0.55% +0.05
XOVR Ershares Private-Public Cros Add +21.1% 0.41% +0.05
XOM Exxon Mobil Corp. Add +1.2% 0.71% +0.04
CMRF Cim Real Estate Finance Trus New 0.04% +0.04
KBSR KBS Real Estate Investment T New 0.04% +0.04
GE General Electric Add +10.2% 0.28% +0.03
CEG Constellation Energy Add +6.7% 0.24% +0.03
GABF Gabelli Fin Srvcs Opp ETF Add +5.8% 1.80% +0.03
BTI British American Tob-SP ADR Add +7.0% 0.14% +0.02
SCHC Schwab Intl Small-Cap Equity Add +2.8% 1.42% +0.01
PPA Invesco Aerospace & Defense Add +2.1% 0.96% +0.01
VTEB Vanguard Tax-Exempt Bond ETF Add +2.5% 0.61% +0.01
VOO Vanguard S&P 500 ETF Add +0.1% 0.73% +0.00
SCHH Schwab US REIT ETF Add +5.5% 1.00% +0.00
VGIT Vanguard Intermediate-Term T Add +2.7% 0.40% +0.00
LTNC Labor Smart Inc. New 0.00% +0.00
IWB iShares Russell 1000 ETF Add +0.3% 0.35% +0.00

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 134$192.9MBRK.B, QQQM, DBEF, DIVO, BALT
Q1 2026 126$161.7MBRK.B, QQQM, DIVO, DBEF, AAPL
Q4 2025 121$168.6MBRK.B, QQQM, DIVO, BLOK, AAPL
Q3 2025 116$165.5MBRK.B, QQQM, BLOK, BITB, DIVO
Q2 2025 115$152.9MBERKSHIRE HATHAWAY INC, QQQM, BLOK, BITB, DIVO