Certified Advisory Corp
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 13, 2025), Certified Advisory Corp reported 313 stock positions worth $1.1 billion. Its top holding was Vanguard Mrngstar GR ETF-Sui (VUG) at 4.2% of the portfolio, followed by Invesco QQQ Trust Series 1 (QQQ, 3.4%) and Pacer US Cash Cows 100 ETF (COWZ, 2.7%). Compared with Q2 2025, it opened 21 new positions, sold out of 10, added to 169 and reduced 98. The biggest buy was Dimensional US Eq MKT ETF (DFUS, shares +56%) and the biggest sale an exit from iShares Intl Aggregate Bond (IAGG).
- Most Recent 13F
- Q2 2026
- Location
- ALTAMONTE SPRINGS, FL
- CIK
- 0001731732
- Portfolio Value
- $1.1B (Q3 2025)
- SEC Filing
- 0001731732-25-000004 ↗ filed Nov 13, 2025
Holdings Value
Holdings 313 stocks · $1.1B
| VUG Vanguard Mrngstar GR ETF-Sui | 4.22% | 92,611 | $44.4M | Reduce -3.7% |
| QQQ Invesco QQQ Trust Series 1 | 3.41% | 59,714 | $35.9M | Add +4.5% |
| COWZ Pacer US Cash Cows 100 ETF | 2.68% | 490,712 | $28.2M | Reduce -0.9% |
| VTV Vanguard Mrngstr Val ETF-Aui | 2.35% | 132,543 | $24.7M | Reduce -0.9% |
| IVV iShares Core S&P 500 ETF | 2.26% | 35,489 | $23.8M | Reduce -0.6% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 2.02% | 808,267 | $21.3M | Add +1.9% |
| FBND Fidelity Total Bond ETF | 1.93% | 440,417 | $20.4M | Add +4.9% |
| JPIE JPMorgan Income ETF | 1.84% | 416,549 | $19.3M | Add +21.9% |
| AAPL Apple Inc. | 1.79% | 74,140 | $18.9M | Reduce -0.6% |
| BIV Vanguard Intermediate-Term B | 1.71% | 231,094 | $18.0M | Add +5.5% |
| ICVT iShares Convertible Bond ETF | 1.65% | 173,340 | $17.3M | Add +2.3% |
| IWY iShares Russell Top 200 Grow | 1.55% | 59,782 | $16.4M | Add +2.4% |
| VYM Vanguard High DVD Yield ETF | 1.55% | 115,942 | $16.3M | Add +7.3% |
| VOO Vanguard S&P 500 ETF | 1.52% | 26,102 | $16.0M | Add +37.4% |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 1.47% | 360,949 | $15.5M | Reduce -0.7% |
| SCHF Schwab Intl Equity ETF | 1.45% | 656,897 | $15.3M | Add +5.1% |
| JPIB JPMorgan Intl BND ETF | 1.40% | 301,085 | $14.8M | Add +50.9% |
| VGT Vanguard Info Tech ETF | 1.36% | 19,159 | $14.3M | Add +0.4% |
| SPDW Ste STR SPDR PT DW Eu ETF | 1.35% | 332,039 | $14.2M | Add +0.2% |
| SPTI SS SPDR P Int Term TSY ETF | 1.22% | 443,493 | $12.8M | Add +4.3% |
| DFUS Dimensional US Eq MKT ETF | 1.15% | 167,051 | $12.1M | Add +56.1% |
| AVLV Avantis US Large Cap Value | 1.14% | 165,496 | $12.0M | Add +27.4% |
| IOO iShares Global 100 ETF | 1.13% | 99,428 | $11.9M | Add +3.2% |
| AVUV Avantis US Small Cap Value | 1.11% | 117,894 | $11.7M | Add +3.5% |
| IUSV iShares Core S&P U.S. Value | 1.11% | 117,090 | $11.7M | Reduce -2.6% |
| SPSB SS SPDR P St C Corp. ETF | 1.10% | 382,937 | $11.6M | Add +2.1% |
| FSTA Fidelity MSCI Cons Stap Indx | 1.07% | 225,123 | $11.2M | Add +2.5% |
| SPHQ Invesco S&P 500 Quality ETF | 1.06% | 151,843 | $11.1M | Add +0.3% |
| MA Mastercard Inc. Class A | 1.05% | 19,464 | $11.1M | Reduce -1.3% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.04% | 21,675 | $10.9M | Add +2.4% |
| IJH iShares Core S&P Midcap ETF | 1.01% | 162,941 | $10.6M | Reduce -0.5% |
| SCHG Schwab US Large-Cap Growth | 0.99% | 326,613 | $10.4M | Add +1.6% |
| IEFA iShares Core MSCI Eafe ETF | 0.99% | 119,018 | $10.4M | Add +34.7% |
| USTB Victoryshares Short-Term Bon | 0.98% | 202,760 | $10.3M | Add +8.8% |
| NVDA Nvidia Corp. | 0.91% | 51,331 | $9.6M | Add +3.6% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.84% | 13,332 | $8.9M | Add +3.5% |
| XLRE SS Real Estate Select Sector | 0.84% | 209,299 | $8.8M | Add +4.7% |
| AVEM Avantis Emerging Markets Eq | 0.83% | 116,721 | $8.8M | Add +10.8% |
| SPMB SS SPDR P Mort Back Bond ETF | 0.82% | 384,004 | $8.6M | Add +3.1% |
| SJNK SS SPDR BB St Hi Yield ETF | 0.81% | 334,895 | $8.6M | Reduce -1.0% |
| IHI iShares U.S. Medical Devices | 0.79% | 137,774 | $8.3M | Add +4.1% |
| MSFT Microsoft Corp. | 0.78% | 15,806 | $8.2M | Add +10.7% |
| UCON First Trust Smith Unconstrai | 0.77% | 320,023 | $8.1M | Reduce -8.6% |
| SDVY First Trust Smid Cap Rising | 0.76% | 209,786 | $8.0M | Add +2.1% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.73% | 96,693 | $7.7M | Add +6.1% |
| VGSH Vanguard Short-Term Treasury | 0.70% | 124,361 | $7.3M | Add +3.8% |
| AMZN Amazon.com Inc. | 0.66% | 31,457 | $6.9M | Add +1.7% |
| COST Costco Wholesale Corp. | 0.65% | 7,359 | $6.8M | Reduce -0.1% |
| DFIV Dimensional International Va | 0.64% | 145,265 | $6.7M | Add +5.9% |
| FENI Fidelity Enhanced Intl ETF | 0.62% | 186,298 | $6.6M | Add +22.5% |
| IJR iShares Core S&P Small-Cap E | 0.62% | 54,491 | $6.5M | Reduce -0.5% |
| SCHD Schwab US DVD Equity ETF | 0.61% | 233,894 | $6.4M | Reduce -34.1% |
| IMCG iShares Morningstar Mid-Cap | 0.59% | 75,597 | $6.3M | Reduce -1.2% |
| VEA Vanguard Ftse Developed ETF | 0.59% | 104,277 | $6.2M | Add +0.3% |
| RDVY First Trust Rising Dividend | 0.56% | 87,904 | $5.9M | Add +21.5% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.56% | 23,181 | $5.9M | Add +1.4% |
| SPAB SS SPDR P Agg Bond ETF | 0.55% | 221,998 | $5.7M | Reduce -15.4% |
| JPM JPMorgan Chase & Co. | 0.53% | 17,518 | $5.5M | Reduce -2.1% |
| MUNI PIMCO Intermediate Municipal | 0.49% | 99,153 | $5.2M | Add +242.3% |
| VONG Vanguard Russell 1000 Growth | 0.49% | 42,693 | $5.1M | Reduce -3.9% |
| VTIP Vanguard Short-Term Tips | 0.47% | 96,743 | $4.9M | Reduce -1.0% |
| GOOGL Alphabet Inc. Class A | 0.46% | 20,050 | $4.9M | Add +0.8% |
| AFL Aflac Inc. | 0.45% | 42,432 | $4.7M | Add +0.0% |
| POCT Innovator U.S. Equity Power | 0.45% | 109,218 | $4.7M | Reduce -7.4% |
| GLD SPDR Gold Shares | 0.44% | 12,932 | $4.6M | Add +6.8% |
| VAW Vanguard Materials ETF | 0.40% | 20,797 | $4.3M | Reduce -6.8% |
| CALF PCR US SM CP CSH CWS ETF-Usd | 0.39% | 94,729 | $4.1M | Reduce -9.6% |
| FLQM Franklin U.S. Mid Cap Multif | 0.39% | 72,672 | $4.1M | Add +0.8% |
| IWP iShares Russell Mid-Cap Grow | 0.39% | 28,545 | $4.1M | Add +6.2% |
| ISCG iShares Morningstar Small-Ca | 0.39% | 74,640 | $4.1M | Add +1.8% |
| GOOG Alphabet Inc. Class C | 0.38% | 16,396 | $4.0M | Add +0.3% |
| VTI VG Morningstar TS MKT ETF-US | 0.37% | 11,836 | $3.9M | Add +4.0% |
| FMAT Fidelity MSCI Materials Indx | 0.37% | 73,922 | $3.9M | Reduce -0.1% |
| VSS Vanguard Ftse All Wo X-US SC | 0.36% | 26,459 | $3.8M | Reduce -0.9% |
| XLI SS Industrial Select Sector | 0.35% | 24,071 | $3.7M | Reduce -0.3% |
| IWF iShares Russell 1000 Growth | 0.35% | 7,915 | $3.7M | Reduce -1.4% |
| V Visa Inc. Class A | 0.34% | 10,574 | $3.6M | Reduce -2.9% |
| VYMI Vanguard Int High DVD YLD Inc. | 0.34% | 42,315 | $3.6M | Reduce -5.0% |
| PJUL Innovator U.S. Equity Power | 0.34% | 77,966 | $3.6M | Add +514.3% |
| PANW Palo Alto Networks Inc. | 0.33% | 16,938 | $3.4M | Add +0.3% |
| TSLA Tesla Inc. | 0.32% | 7,638 | $3.4M | Reduce -4.5% |
| JPST JPMorgan Ultra-Short Income | 0.32% | 66,624 | $3.4M | Add +7.3% |
| JNJ Johnson & Johnson | 0.31% | 17,681 | $3.3M | Reduce -0.0% |
| XLE SS Energy Select Sector | 0.31% | 36,254 | $3.2M | Reduce -13.7% |
| VDC Vanguard Consumer Staple ETF | 0.31% | 15,136 | $3.2M | Add +4.5% |
| IVW iShares S&P 500 Growth ETF | 0.29% | 24,923 | $3.0M | Reduce -1.3% |
| VIG Vanguard Dividend Apprec ETF | 0.28% | 13,692 | $3.0M | Reduce -17.9% |
| HD Home Depot Inc. | 0.28% | 7,218 | $2.9M | Reduce -0.9% |
| SPGI S&P Global Inc. | 0.27% | 5,901 | $2.9M | Reduce -4.3% |
| ITA iShares U.S. Aerospace & Def | 0.27% | 13,571 | $2.8M | Add +16.0% |
| DTD Wisdomtree US Total Dividend | 0.27% | 33,291 | $2.8M | Add +6.7% |
| AVDE Avantis International Equity | 0.26% | 35,052 | $2.8M | Add +27.1% |
| EPD Enterprise Products Partners | 0.26% | 87,915 | $2.7M | Add +7.7% |
| XLY SS Consumer Disc Select Sect | 0.26% | 11,467 | $2.7M | Add +38.3% |
| JMTG Mortgage-Backed Securities filed as J P MORGAN EXCHANGE TRADED F | 0.26% | 52,699 | $2.7M | New |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.25% | 9,088 | $2.7M | Add +1.1% |
| DFAT Dimensional US Target Value | 0.25% | 44,907 | $2.6M | Add +3.2% |
| VCIT Vanguard Int-Term Corporate | 0.25% | 30,909 | $2.6M | Add +32.5% |
| LLY Eli Lilly & Co. | 0.24% | 3,338 | $2.5M | Reduce -9.2% |
| DBEF Xtrackers MSCI Eafe Hedged E | 0.24% | 54,006 | $2.5M | Reduce -23.4% |
Other holdings (2): bonds, preferreds, convertibles and warrants · $483K (not counted above)
| Security | Class | Shares / Principal | Value | Change |
|---|---|---|---|---|
| BANK OF AMERICA CORP (BAC 7.25 PERP L) | 7.25%CNV PFD L | 375 | $480K | Reduce -6.3% |
| COHEN & STEERS INFRASTRU | RIGHT 10/16/2025 | 32,252 | $3K | Add +0.4% |
Total filed on the 13F, all lines: $1.1B.
Portfolio Sells Q2 2025 → Q3 2025
| IAGG iShares Intl Aggregate Bond | Sold out | 0.00% | −0.47 |
| SCHD Schwab US DVD Equity ETF | Reduce -34.1% | 0.61% | −0.37 |
| APRW Allinzim US Eq BFR20 Apr-Usd | Sold out | 0.00% | −0.32 |
| TAXF American Century Diver Muni | Sold out | 0.00% | −0.30 |
| AVUS Avantis U.S. Equity ETF | Reduce -53.0% | 0.22% | −0.26 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -3.7% | 4.22% | −0.17 |
| COWZ Pacer US Cash Cows 100 ETF | Reduce -0.9% | 2.68% | −0.16 |
| SPAB SS SPDR P Agg Bond ETF | Reduce -15.4% | 0.55% | −0.15 |
| UCON First Trust Smith Unconstrai | Reduce -8.6% | 0.77% | −0.14 |
| XLV SS Health Care Select Sector | Reduce -38.4% | 0.17% | −0.12 |
| COST Costco Wholesale Corp. | Reduce -0.1% | 0.65% | −0.11 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -0.9% | 2.35% | −0.11 |
| MA Mastercard Inc. Class A | Reduce -1.3% | 1.05% | −0.10 |
| MUB iShares National Muni Bond E | Sold out | 0.00% | −0.09 |
| DBEF Xtrackers MSCI Eafe Hedged E | Reduce -23.4% | 0.24% | −0.08 |
| SJNK SS SPDR BB St Hi Yield ETF | Reduce -1.0% | 0.81% | −0.08 |
| VIG Vanguard Dividend Apprec ETF | Reduce -17.9% | 0.28% | −0.07 |
| IUSV iShares Core S&P U.S. Value | Reduce -2.6% | 1.11% | −0.07 |
| SPGI S&P Global Inc. | Reduce -4.3% | 0.27% | −0.07 |
| IHF iShares U.S. Healthcare Prov | Sold out | 0.00% | −0.06 |
| XLE SS Energy Select Sector | Reduce -13.7% | 0.31% | −0.06 |
| POCT Innovator U.S. Equity Power | Reduce -7.4% | 0.45% | −0.06 |
| V Visa Inc. Class A | Reduce -2.9% | 0.34% | −0.06 |
| LLY Eli Lilly & Co. | Reduce -9.2% | 0.24% | −0.06 |
| IVV iShares Core S&P 500 ETF | Reduce -0.6% | 2.26% | −0.05 |
| VAW Vanguard Materials ETF | Reduce -6.8% | 0.40% | −0.05 |
| IJH iShares Core S&P Midcap ETF | Reduce -0.5% | 1.01% | −0.05 |
| VTIP Vanguard Short-Term Tips | Reduce -1.0% | 0.47% | −0.05 |
| IMCG iShares Morningstar Mid-Cap | Reduce -1.2% | 0.59% | −0.04 |
| PFE Pfizer Inc. | Reduce -49.8% | 0.04% | −0.04 |
| CALF PCR US SM CP CSH CWS ETF-Usd | Reduce -9.6% | 0.39% | −0.04 |
| FNDF Schwab Fndmn Intl LRG Co. ETF | Reduce -0.7% | 1.47% | −0.04 |
| APD Air Products & Chemicals Inc. | Reduce -19.1% | 0.09% | −0.04 |
| FISV Fiserv Inc. | Reduce -5.4% | 0.06% | −0.03 |
| VYMI Vanguard Int High DVD YLD Inc. | Reduce -5.0% | 0.34% | −0.03 |
| DE Deere & Co. | Sold out | 0.00% | −0.02 |
| TIP iShares Tips Bond ETF | Sold out | 0.00% | −0.02 |
| SPYV SS SPDR P S&P 500 Value ETF | Reduce -5.6% | 0.23% | −0.02 |
| UPS United Parcel Service Class B | Sold out | 0.00% | −0.02 |
| F Ford Motor Co. | Sold out | 0.00% | −0.02 |
| ET Energy Transfer LP | Sold out | 0.00% | −0.02 |
| MCK McKesson Corp. | Reduce -32.0% | 0.04% | −0.02 |
| XLI SS Industrial Select Sector | Reduce -0.3% | 0.35% | −0.02 |
| NOCT Innovator Growth-100 Power B | Reduce -6.9% | 0.13% | −0.02 |
| BSCQ Invesco Bulletshares 2026 CB | Reduce -14.2% | 0.06% | −0.02 |
| PJAN Innovator U.S. Equity Power | Reduce -22.1% | 0.05% | −0.02 |
| VONG Vanguard Russell 1000 Growth | Reduce -3.9% | 0.49% | −0.02 |
| FMAT Fidelity MSCI Materials Indx | Reduce -0.1% | 0.37% | −0.02 |
| INTU Intuit Inc. | Reduce -24.9% | 0.02% | −0.02 |
| VSS Vanguard Ftse All Wo X-US SC | Reduce -0.9% | 0.36% | −0.01 |
Portfolio Buys Q2 2025 → Q3 2025
| DFUS Dimensional US Eq MKT ETF | Add +56.1% | 1.15% | +0.40 |
| VOO Vanguard S&P 500 ETF | Add +37.4% | 1.52% | +0.40 |
| JPIB JPMorgan Intl BND ETF | Add +50.9% | 1.40% | +0.39 |
| MUNI PIMCO Intermediate Municipal | Add +242.3% | 0.49% | +0.34 |
| PJUL Innovator U.S. Equity Power | Add +514.3% | 0.34% | +0.28 |
| JMTG Mortgage-Backed Securities | New | 0.26% | +0.26 |
| IEFA iShares Core MSCI Eafe ETF | Add +34.7% | 0.99% | +0.22 |
| AVLV Avantis US Large Cap Value | Add +27.4% | 1.14% | +0.22 |
| JPIE JPMorgan Income ETF | Add +21.9% | 1.84% | +0.19 |
| QQQ Invesco QQQ Trust Series 1 | Add +4.5% | 3.41% | +0.13 |
| FTEC Fidelity MSCI Info Tech Indx | Add +237.4% | 0.15% | +0.10 |
| NLR Vaneck Urani & Nuclr ETF-Usd | New | 0.10% | +0.10 |
| GOOGL Alphabet Inc. Class A | Add +0.8% | 0.46% | +0.10 |
| FENI Fidelity Enhanced Intl ETF | Add +22.5% | 0.62% | +0.10 |
| NVDA Nvidia Corp. | Add +3.6% | 0.91% | +0.10 |
| RDVY First Trust Rising Dividend | Add +21.5% | 0.56% | +0.09 |
| AVEM Avantis Emerging Markets Eq | Add +10.8% | 0.83% | +0.08 |
| GOOG Alphabet Inc. Class C | Add +0.3% | 0.38% | +0.08 |
| XLY SS Consumer Disc Select Sect | Add +38.3% | 0.26% | +0.07 |
| ICVT iShares Convertible Bond ETF | Add +2.3% | 1.65% | +0.06 |
| IGHG Proshares Ig Hedged | Add +296.5% | 0.08% | +0.06 |
| IWY iShares Russell Top 200 Grow | Add +2.4% | 1.55% | +0.06 |
| QTUM Defiance Quantum ETF | New | 0.06% | +0.06 |
| VYM Vanguard High DVD Yield ETF | Add +7.3% | 1.55% | +0.06 |
| IOO iShares Global 100 ETF | Add +3.2% | 1.13% | +0.05 |
| GLD SPDR Gold Shares | Add +6.8% | 0.44% | +0.05 |
| AVDE Avantis International Equity | Add +27.1% | 0.26% | +0.05 |
| VZ Verizon Communications Inc. | Add +64.4% | 0.15% | +0.05 |
| XAR SS SPDR S&P Aerospace Def | New | 0.05% | +0.05 |
| VCIT Vanguard Int-Term Corporate | Add +32.5% | 0.25% | +0.05 |
| NJUL Innovator Growth 100 Power B | Add +117.3% | 0.09% | +0.04 |
| VGT Vanguard Info Tech ETF | Add +0.4% | 1.36% | +0.04 |
| ITW Illinois Tool Works | New | 0.04% | +0.04 |
| ITA iShares U.S. Aerospace & Def | Add +16.0% | 0.27% | +0.04 |
| MSFT Microsoft Corp. | Add +10.7% | 0.78% | +0.04 |
| FLMI Franklin Dynamic Municipal B | New | 0.04% | +0.04 |
| PSEP Innovator U.S. Equity Power | New | 0.04% | +0.04 |
| AVUV Avantis US Small Cap Value | Add +3.5% | 1.11% | +0.04 |
| FBCG Fidelity Blue Chip Grow ETF | Add +21.2% | 0.18% | +0.03 |
| FVAL Fidelity Value Factor ETF | Add +96.9% | 0.07% | +0.03 |
| REMX Vaneck Rar Earth ND STG-Usdi | New | 0.03% | +0.03 |
| PRF Invesco Rafi US 1000 ETF | Add +25.0% | 0.17% | +0.03 |
| MU Micron Technology Inc. | Add +36.0% | 0.07% | +0.03 |
| PAUG Innovator U.S. Equity Power | New | 0.03% | +0.03 |
| HMOP Hartford Municipal Opp ETF | New | 0.03% | +0.03 |
| ORCL Oracle Corp. | Add +6.5% | 0.13% | +0.03 |
| DFIV Dimensional International Va | Add +5.9% | 0.64% | +0.03 |
| GEV GE Vernova Inc. | New | 0.02% | +0.02 |
| PLTR Palantir Technologies Inc. Class A | Add +30.8% | 0.06% | +0.02 |
| FSMB First Trust Short Dur Manag | New | 0.02% | +0.02 |
Notes & Other Activity Q2 2025 → Q3 2025
| BANK OF AMERICA CORP (BAC 7.25 PERP L) | 7.25%CNV PFD L | Reduce -6.3% | 375 | $480K |
| COHEN & STEERS INFRASTRU | RIGHT 10/16/2025 | Add +0.4% | 32,252 | $3K |
Bonds, preferreds, convertibles and warrants; not part of the stock holdings or percentages above.
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 326 | $1.2B | VUG, QQQ, VCSH, FNDX, COWZ |
| Q1 2026 | 317 | $1.1B | VUG, QQQ, COWZ, FNDX, VTV |
| Q4 2025 | 316 | $1.1B | VUG, QQQ, COWZ, VTV, IVV |
| Q3 2025 | 313 | $1.1B | VUG, QQQ, COWZ, VTV, IVV |
| Q2 2025 | 302 | $961.6M | VUG, QQQ, COWZ, VTV, IVV |
| Q1 2025 | 294 | $882.7M | VUG, COWZ, QQQ, VTV, IVV |
| Q4 2024 | 296 | $920.8M | VUG, COWZ, QQQ, VTV, IVV |
| Q3 2024 | 296 | $902.0M | VUG, COWZ, QQQ, VTV, IVV |
| Q2 2024 | 287 | $796.6M | VUG, COWZ, QQQ, VTV, IVV |
| Q1 2024 | 265 | $716.0M | VUG, COWZ, VTV, QQQ, IVV |