CDM Financial Counseling Services, Inc.

In its 13F for Q1 2026 (holdings as of March 31, 2026, filed April 14, 2026), CDM Financial Counseling Services, Inc. reported 80 stock positions worth $104.5 million. Its top holding was SS SPDR S&P 500 ETF Trust-US (SPY) at 11.9% of the portfolio, followed by SS Technology Select Sector (XLK, 8.5%) and VG Morningstar TS MKT ETF-US (VTI, 6.0%). Compared with Q4 2025, it opened 1 new position, sold out of 2, added to 41 and reduced 23. The biggest buy was Caterpillar (CAT, shares +1%) and the biggest sale SS Technology Select Sector (XLK, shares −0%).

Most Recent 13F
Q2 2026
Location
NORWICH, CT
CIK
0002107537
Portfolio Value
$104.5M (Q1 2026)
SEC Filing
0002085853-26-000369 ↗ filed Apr 14, 2026

Holdings Value

0$50.0M$100.0M$150.0M Q4 2025: $106.6M Q4 2025 Q1 2026: $104.5M $104.5M Q1 2026 Q2 2026: $116.1M Q2 2026

Holdings 80 stocks · $104.5M
SPY SS SPDR S&P 500 ETF Trust-US 11.93% 19,176 $12.5M Reduce -1.3%
XLK SS Technology Select Sector 8.45% 66,464 $8.8M Reduce -0.1%
VTI VG Morningstar TS MKT ETF-US 5.96% 18,753 $6.2M Add +1.7%
VIG Vanguard Dividend Apprec ETF 5.21% 25,326 $5.4M Add +3.5%
XLC SS Comm Select Sector SPDR 3.82% 35,994 $4.0M Add +0.8%
MGK Vngrd Mrgstr MG CP GR ETF-Ui 3.48% 9,895 $3.6M Add +2.5%
VYM Vanguard High DVD Yield ETF 3.36% 23,738 $3.5M Reduce -3.7%
MSFT Microsoft Corp. 3.36% 9,480 $3.5M Add +6.8%
XLY SS Consumer Disc Select Sect 2.30% 21,914 $2.4M Add +2.2%
VOO Vanguard S&P 500 ETF 2.26% 3,948 $2.4M Add +10.6%
VUG Vanguard Mrngstar GR ETF-Sui 2.25% 5,393 $2.4M Add +11.5%
IVV iShares Core S&P 500 ETF 2.00% 3,198 $2.1M Add +7.0%
RTX RTX Corp. 1.80% 9,773 $1.9M Reduce -1.4%
SOXX iShares Semiconductor ETF 1.66% 5,287 $1.7M Add +7.7%
GOOG Alphabet Inc. Class C 1.60% 5,796 $1.7M Add +3.7%
CAT Caterpillar Inc. 1.59% 2,350 $1.7M Add +0.6%
V Visa Inc. Class A 1.56% 5,384 $1.6M Add +3.4%
AAPL Apple Inc. 1.55% 6,396 $1.6M Add +2.5%
MAR Marriott International Class A 1.52% 4,857 $1.6M Add +3.8%
BRK.B Berkshire Hathaway Inc. Class B 1.50% 3,267 $1.6M Add +0.7%
XLU St Sr Utl SL SE SPDR ETF-Usd 1.44% 32,791 $1.5M Add +0.8%
AMZN Amazon.com Inc. 1.33% 6,646 $1.4M Add +9.2%
QQQ Invesco QQQ Trust Series 1 1.29% 2,335 $1.3M Reduce -2.8%
PM Philip Morris International 1.17% 7,427 $1.2M Add +2.8%
QQQM Invesco Nasdaq 100 ETF 1.07% 4,663 $1.1M Add +10.5%
GOOGL Alphabet Inc. Class A 1.01% 3,682 $1.1M Reduce -2.5%
SMH Vaneck Semiconductor ETF 1.01% 2,715 $1.1M Add +6.9%
UNP Union Pacific Corp. 0.79% 3,423 $830K Add +2.1%
MCD McDonald's Corp. 0.79% 2,811 $827K Add +0.0%
MA Mastercard Inc. Class A 0.77% 1,617 $808K Add +10.8%
HD Home Depot Inc. 0.77% 2,436 $801K Reduce -0.4%
RSP Invesco S&P 500 Equal Weight 0.76% 4,158 $798K Add +40.6%
ASML ASML Holding NV-NY Reg SHS filed as ASML HLDG NV 0.76% 602 $796K Reduce -0.5%
SCHD Schwab US DVD Equity ETF 0.73% 24,775 $760K Reduce -9.1%
FDVV Fidelity High Dividend ETF 0.70% 13,302 $735K Reduce -3.2%
JNJ Johnson & Johnson 0.69% 2,942 $719K Add +2.1%
BRK.A Berkshire Hathaway Inc. Class A 0.69% 1 $718K No change
MDY State Street SPDR S&P Midcap 0.67% 1,142 $704K Reduce -2.6%
META Meta Platforms Inc. Class A 0.65% 1,181 $676K Add +15.7%
CSX CSX Corp. 0.61% 15,503 $636K No change
DGRW Wisdomtree U.S. Quality Divi 0.59% 6,992 $614K No change
NVDA Nvidia Corp. 0.57% 3,298 $593K Add +12.3%
AXP American Express Co. 0.55% 1,903 $575K Add +2.0%
NSC Norfolk Southern Corp. 0.55% 2,002 $574K Reduce -2.4%
XLV SS Health Care Select Sector 0.55% 3,892 $571K Reduce -11.4%
JPM JPMorgan Chase & Co. 0.54% 1,934 $569K Add +3.4%
KO The Coca-Cola Co. 0.53% 7,299 $555K Reduce -6.0%
YUM Yum! Brands Inc. 0.53% 3,560 $553K No change
PLD Prologis Inc. 0.49% 3,866 $511K Add +4.8%
TMO Thermo Fisher Scientific Inc. 0.49% 1,036 $509K Add +5.5%
FHLC Fidelity MSCI Health Care 0.46% 6,893 $485K Reduce -1.4%
ICE Intercontinental Exchange Inc. 0.46% 3,042 $479K Add +3.9%
GRMN Garmin Ltd. 0.46% 2,050 $476K No change
DE Deere & Co. 0.45% 831 $468K Add +0.6%
FDRR Fidelity Div ETF Rise Rates 0.44% 7,850 $462K Reduce -3.1%
SBUX Starbucks Corp. 0.43% 5,059 $453K Reduce -4.3%
LLY Eli Lilly & Co. 0.43% 483 $444K Add +2.3%
WMT Walmart Inc. 0.40% 3,341 $415K Reduce -7.6%
MNST Monster Beverage Corp. 0.40% 5,500 $413K No change
COST Costco Wholesale Corp. 0.38% 396 $395K Add +5.9%
GS Goldman Sachs Group Inc. 0.35% 434 $367K No change
MS Morgan Stanley 0.35% 2,197 $362K Add +3.6%
SCHB Schwab US Broad Market ETF 0.34% 14,280 $358K No change
XLG Invesco S&P 500 Top 50 ETF 0.34% 6,500 $355K No change
LMT Lockheed Martin Corp. 0.34% 585 $354K No change
PEP Pepsico Inc. 0.32% 2,176 $338K Reduce -6.7%
NEE Nextera Energy Inc. 0.30% 3,339 $310K Reduce -2.8%
VBK Van Morst SML-Cap Gro-Usd Inc. 0.29% 1,004 $304K Add +0.1%
VXF Vanguard Extended Market ETF 0.29% 1,456 $300K Add +1.4%
EFA iShares MSCI Eafe ETF 0.28% 3,056 $297K No change
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.28% 1,145 $295K No change
GD General Dynamics Corp. 0.25% 746 $256K No change
AMLP Alerian MLP ETF 0.24% 4,824 $254K Reduce -5.8%
HON Honeywell International Inc. 0.23% 1,086 $245K Add +5.4%
CW Curtiss-Wright Corp. 0.23% 350 $238K New
XLI SS Industrial Select Sector 0.21% 1,331 $215K Reduce -0.2%
SCHF Schwab Intl Equity ETF 0.20% 8,459 $209K No change
ADP Automatic Data Processing 0.20% 1,025 $208K No change
AMD Advanced Micro Devices 0.20% 1,020 $208K Add +1.5%
PG The Procter & Gamble Co. 0.20% 1,419 $205K Reduce -8.3%

Portfolio Sells Q4 2025 → Q1 2026
XLK SS Technology Select Sector Reduce -0.1% 8.45% −0.53
SPY SS SPDR S&P 500 ETF Trust-US Reduce -1.3% 11.93% −0.49
ABT Abbott Laboratories Sold out 0.00% −0.21
VOOG Vanguard S&P 500 Growth ETF Sold out 0.00% −0.19
GOOGL Alphabet Inc. Class A Reduce -2.5% 1.01% −0.10
QQQ Invesco QQQ Trust Series 1 Reduce -2.8% 1.29% −0.10
XLV SS Health Care Select Sector Reduce -11.4% 0.55% −0.09
FDVV Fidelity High Dividend ETF Reduce -3.2% 0.70% −0.03
FHLC Fidelity MSCI Health Care Reduce -1.4% 0.46% −0.02
HD Home Depot Inc. Reduce -0.4% 0.77% −0.02
FDRR Fidelity Div ETF Rise Rates Reduce -3.1% 0.44% −0.02
PG The Procter & Gamble Co. Reduce -8.3% 0.20% −0.01
NSC Norfolk Southern Corp. Reduce -2.4% 0.55% −0.01
PEP Pepsico Inc. Reduce -6.7% 0.32% +0.01
MDY State Street SPDR S&P Midcap Reduce -2.6% 0.67% +0.01
XLI SS Industrial Select Sector Reduce -0.2% 0.21% +0.01
SBUX Starbucks Corp. Reduce -4.3% 0.43% +0.02
AMLP Alerian MLP ETF Reduce -5.8% 0.24% +0.02
WMT Walmart Inc. Reduce -7.6% 0.40% +0.02
KO The Coca-Cola Co. Reduce -6.0% 0.53% +0.02
SCHD Schwab US DVD Equity ETF Reduce -9.1% 0.73% +0.03
NEE Nextera Energy Inc. Reduce -2.8% 0.30% +0.04
VYM Vanguard High DVD Yield ETF Reduce -3.7% 3.36% +0.05
RTX RTX Corp. Reduce -1.4% 1.80% +0.10
ASML ASML Holding NV-NY Reg SHS Reduce -0.5% 0.76% +0.15

Portfolio Buys Q4 2025 → Q1 2026
CAT Caterpillar Inc. Add +0.6% 1.59% +0.34
SOXX iShares Semiconductor ETF Add +7.7% 1.66% +0.28
RSP Invesco S&P 500 Equal Weight Add +40.6% 0.76% +0.23
CW Curtiss-Wright Corp. New 0.23% +0.23
VIG Vanguard Dividend Apprec ETF Add +3.5% 5.21% +0.17
VTI VG Morningstar TS MKT ETF-US Add +1.7% 5.96% +0.17
MAR Marriott International Class A Add +3.8% 1.52% +0.16
VOO Vanguard S&P 500 ETF Add +10.6% 2.26% +0.16
SMH Vaneck Semiconductor ETF Add +6.9% 1.01% +0.15
XLU St Sr Utl SL SE SPDR ETF-Usd Add +0.8% 1.44% +0.14
JNJ Johnson & Johnson Add +2.1% 0.69% +0.13
PM Philip Morris International Add +2.8% 1.17% +0.09
DE Deere & Co. Add +0.6% 0.45% +0.09
IVV iShares Core S&P 500 ETF Add +7.0% 2.00% +0.08
COST Costco Wholesale Corp. Add +5.9% 0.38% +0.08
QQQM Invesco Nasdaq 100 ETF Add +10.5% 1.07% +0.07
UNP Union Pacific Corp. Add +2.1% 0.79% +0.07
NVDA Nvidia Corp. Add +12.3% 0.57% +0.05
PLD Prologis Inc. Add +4.8% 0.49% +0.05
HON Honeywell International Inc. Add +5.4% 0.23% +0.05
VUG Vanguard Mrngstar GR ETF-Sui Add +11.5% 2.25% +0.04
AMZN Amazon.com Inc. Add +9.2% 1.33% +0.02
META Meta Platforms Inc. Class A Add +15.7% 0.65% +0.01
ICE Intercontinental Exchange Inc. Add +3.9% 0.46% +0.01
VBK Van Morst SML-Cap Gro-Usd Inc. Add +0.1% 0.29% +0.01
VXF Vanguard Extended Market ETF Add +1.4% 0.29% +0.01
AMD Advanced Micro Devices Add +1.5% 0.20% −0.00
MS Morgan Stanley Add +3.6% 0.35% −0.01
MA Mastercard Inc. Class A Add +10.8% 0.77% −0.01
MCD McDonald's Corp. Add +0.0% 0.79% −0.01
JPM JPMorgan Chase & Co. Add +3.4% 0.54% −0.02
BRK.B Berkshire Hathaway Inc. Class B Add +0.7% 1.50% −0.03
AAPL Apple Inc. Add +2.5% 1.55% −0.04
GOOG Alphabet Inc. Class C Add +3.7% 1.60% −0.04
TMO Thermo Fisher Scientific Inc. Add +5.5% 0.49% −0.05
LLY Eli Lilly & Co. Add +2.3% 0.43% −0.05
AXP American Express Co. Add +2.0% 0.55% −0.10
XLY SS Consumer Disc Select Sect Add +2.2% 2.30% −0.11
XLC SS Comm Select Sector SPDR Add +0.8% 3.82% −0.12
V Visa Inc. Class A Add +3.4% 1.56% −0.16
MGK Vngrd Mrgstr MG CP GR ETF-Ui Add +2.5% 3.48% −0.26
MSFT Microsoft Corp. Add +6.8% 3.36% −0.67

Options Activity Q4 2025 → Q1 2026
QQQ Invesco QQQ Trust Series 1 put Sold out 200 $123Kbefore exit

Calls and puts are listed by the shares they cover; their value is not part of the stock holdings above.

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 77$116.1MSPY, XLK, VTI, VIG, MGK
Q1 2026 80$104.5MSPY, XLK, VTI, VIG, XLC
Q4 2025 81$106.6MSPY, XLK, VTI, VIG, MSFT