Certified Advisory Corp
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 12, 2026), Certified Advisory Corp reported 316 stock positions worth $1.1 billion. Its top holding was Vanguard Mrngstar GR ETF-Sui (VUG) at 4.1% 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 Q3 2025, it opened 14 new positions, sold out of 11, added to 157 and reduced 115. The biggest buy was Avantis International Equity (AVDE, shares +100%) and the biggest sale SS Real Estate Select Sector (XLRE, shares −19%).
- Most Recent 13F
- Q2 2026
- Location
- ALTAMONTE SPRINGS, FL
- CIK
- 0001731732
- Portfolio Value
- $1.1B (Q4 2025)
- SEC Filing
- 0001731732-26-000001 ↗ filed Jan 12, 2026
Holdings Value
Holdings 316 stocks · $1.1B
| VUG Vanguard Mrngstar GR ETF-Sui | 4.15% | 93,213 | $45.5M | Add +0.7% |
| QQQ Invesco QQQ Trust Series 1 | 3.40% | 60,657 | $37.3M | Add +1.6% |
| COWZ Pacer US Cash Cows 100 ETF | 2.67% | 486,798 | $29.3M | Reduce -0.8% |
| VTV Vanguard Mrngstr Val ETF-Aui | 2.32% | 133,139 | $25.4M | Add +0.5% |
| IVV iShares Core S&P 500 ETF | 2.17% | 34,816 | $23.8M | Reduce -1.9% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 2.07% | 836,554 | $22.8M | Add +3.5% |
| FBND Fidelity Total Bond ETF | 1.93% | 460,405 | $21.2M | Add +4.5% |
| JPIE JPMorgan Income ETF | 1.83% | 434,639 | $20.1M | Add +4.3% |
| AAPL Apple Inc. | 1.82% | 73,590 | $20.0M | Reduce -0.7% |
| BIV Vanguard Intermediate-Term B | 1.77% | 249,490 | $19.4M | Add +8.0% |
| ICVT iShares Convertible Bond ETF | 1.58% | 175,551 | $17.3M | Add +1.3% |
| VOO Vanguard S&P 500 ETF | 1.57% | 27,413 | $17.2M | Add +5.0% |
| VYM Vanguard High DVD Yield ETF | 1.54% | 117,350 | $16.8M | Add +1.2% |
| IWY iShares Russell Top 200 Grow | 1.53% | 60,455 | $16.7M | Add +1.1% |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 1.51% | 365,336 | $16.5M | Add +1.2% |
| SCHF Schwab Intl Equity ETF | 1.50% | 684,846 | $16.5M | Add +4.3% |
| JPIB JPMorgan Intl BND ETF | 1.42% | 320,637 | $15.6M | Add +6.5% |
| AVUV Avantis US Small Cap Value | 1.27% | 136,364 | $13.9M | Add +15.7% |
| DFUS Dimensional US Eq MKT ETF | 1.26% | 185,916 | $13.8M | Add +11.3% |
| VGT Vanguard Info Tech ETF | 1.25% | 18,202 | $13.7M | Reduce -5.0% |
| SPTI SS SPDR P Int Term TSY ETF | 1.20% | 454,605 | $13.1M | Add +2.5% |
| AVLV Avantis US Large Cap Value | 1.19% | 171,637 | $13.0M | Add +3.7% |
| IEFA iShares Core MSCI Eafe ETF | 1.18% | 144,356 | $12.9M | Add +21.3% |
| IOO iShares Global 100 ETF | 1.17% | 101,543 | $12.9M | Add +2.1% |
| SPDW Ste STR SPDR PT DW Eu ETF | 1.15% | 284,641 | $12.6M | Reduce -14.3% |
| IUSV iShares Core S&P U.S. Value | 1.07% | 114,144 | $11.7M | Reduce -2.5% |
| SPSB SS SPDR P St C Corp. ETF | 1.03% | 375,619 | $11.3M | Reduce -1.9% |
| SPHQ Invesco S&P 500 Quality ETF | 1.03% | 150,997 | $11.3M | Reduce -0.6% |
| MA Mastercard Inc. Class A | 1.01% | 19,438 | $11.1M | Reduce -0.1% |
| FSTA Fidelity MSCI Cons Stap Indx | 1.01% | 224,197 | $11.0M | Reduce -0.4% |
| SCHG Schwab US Large-Cap Growth | 0.99% | 331,819 | $10.8M | Add +1.6% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.98% | 21,403 | $10.8M | Reduce -1.3% |
| USTB Victoryshares Short-Term Bon | 0.97% | 209,895 | $10.7M | Add +3.5% |
| IJH iShares Core S&P Midcap ETF | 0.97% | 160,908 | $10.6M | Reduce -1.3% |
| AVEM Avantis Emerging Markets Eq | 0.87% | 124,530 | $9.6M | Add +6.7% |
| NVDA Nvidia Corp. | 0.85% | 50,019 | $9.3M | Reduce -2.6% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.83% | 13,338 | $9.1M | Add +0.1% |
| SPMB SS SPDR P Mort Back Bond ETF | 0.82% | 400,087 | $9.0M | Add +4.2% |
| SJNK SS SPDR BB St Hi Yield ETF | 0.79% | 341,350 | $8.6M | Add +1.9% |
| IHI iShares U.S. Medical Devices | 0.78% | 136,883 | $8.5M | Reduce -0.7% |
| SDVY First Trust Smid Cap Rising | 0.74% | 213,277 | $8.2M | Add +1.7% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.74% | 101,311 | $8.1M | Add +4.8% |
| UCON First Trust Smith Unconstrai | 0.72% | 315,111 | $7.9M | Reduce -1.5% |
| FENI Fidelity Enhanced Intl ETF | 0.71% | 212,450 | $7.8M | Add +14.0% |
| VGSH Vanguard Short-Term Treasury | 0.69% | 129,495 | $7.6M | Add +4.1% |
| DFIV Dimensional International Va | 0.69% | 151,310 | $7.6M | Add +4.2% |
| MSFT Microsoft Corp. | 0.68% | 15,425 | $7.5M | Reduce -2.4% |
| AMZN Amazon.com Inc. | 0.65% | 30,766 | $7.1M | Reduce -2.2% |
| RDVY First Trust Rising Dividend | 0.63% | 100,182 | $7.0M | Add +14.0% |
| XLRE SS Real Estate Select Sector | 0.62% | 168,542 | $6.8M | Reduce -19.5% |
| VEA Vanguard Ftse Developed ETF | 0.60% | 105,763 | $6.6M | Add +1.4% |
| IJR iShares Core S&P Small-Cap E | 0.59% | 53,715 | $6.5M | Reduce -1.4% |
| IMCG iShares Morningstar Mid-Cap | 0.58% | 79,672 | $6.4M | Add +5.4% |
| COST Costco Wholesale Corp. | 0.56% | 7,153 | $6.2M | Reduce -2.8% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.56% | 23,728 | $6.1M | Add +2.4% |
| POCT Innovator U.S. Equity Power | 0.55% | 137,995 | $6.1M | Add +26.4% |
| GOOGL Alphabet Inc. Class A | 0.54% | 18,983 | $5.9M | Reduce -5.3% |
| SCHD Schwab US DVD Equity ETF | 0.53% | 213,140 | $5.8M | Reduce -8.9% |
| JPM JPMorgan Chase & Co. | 0.53% | 18,141 | $5.8M | Add +3.6% |
| AVDE Avantis International Equity | 0.53% | 69,998 | $5.8M | Add +99.7% |
| SPAB SS SPDR P Agg Bond ETF | 0.52% | 223,419 | $5.8M | Add +0.6% |
| MUNI PIMCO Intermediate Municipal | 0.51% | 105,978 | $5.6M | Add +6.9% |
| VONG Vanguard Russell 1000 Growth | 0.48% | 43,345 | $5.3M | Add +1.5% |
| GLD SPDR Gold Shares | 0.47% | 13,079 | $5.2M | Add +1.1% |
| VTIP Vanguard Short-Term Tips | 0.47% | 104,296 | $5.2M | Add +7.8% |
| GOOG Alphabet Inc. Class C | 0.46% | 16,226 | $5.1M | Reduce -1.0% |
| AFL Aflac Inc. | 0.42% | 42,185 | $4.7M | Reduce -0.6% |
| ISCG iShares Morningstar Small-Ca | 0.39% | 76,776 | $4.3M | Add +2.9% |
| VAW Vanguard Materials ETF | 0.38% | 20,060 | $4.2M | Reduce -3.5% |
| VTI VG Morningstar TS MKT ETF-US | 0.38% | 12,292 | $4.1M | Add +3.9% |
| FLQM Franklin U.S. Mid Cap Multif | 0.38% | 73,178 | $4.1M | Add +0.7% |
| IWP iShares Russell Mid-Cap Grow | 0.37% | 29,268 | $4.0M | Add +2.5% |
| FMAT Fidelity MSCI Materials Indx | 0.36% | 75,234 | $4.0M | Add +1.8% |
| VYMI Vanguard Int High DVD YLD Inc. | 0.35% | 42,833 | $3.9M | Add +1.2% |
| VSS Vanguard Ftse All Wo X-US SC | 0.35% | 26,612 | $3.8M | Add +0.6% |
| IWF iShares Russell 1000 Growth | 0.34% | 7,896 | $3.7M | Reduce -0.2% |
| XLI SS Industrial Select Sector | 0.34% | 24,072 | $3.7M | Add +0.0% |
| JPST JPMorgan Ultra-Short Income | 0.34% | 73,658 | $3.7M | Add +10.6% |
| CALF PCR US SM CP CSH CWS ETF-Usd | 0.34% | 82,846 | $3.7M | Reduce -12.5% |
| LLY Eli Lilly & Co. | 0.33% | 3,339 | $3.6M | Add +0.0% |
| JNJ Johnson & Johnson | 0.32% | 17,042 | $3.5M | Reduce -3.6% |
| PJUL Innovator U.S. Equity Power | 0.31% | 74,054 | $3.4M | Reduce -5.0% |
| DFAT Dimensional US Target Value | 0.31% | 57,020 | $3.4M | Add +27.0% |
| TSLA Tesla Inc. | 0.31% | 7,540 | $3.4M | Reduce -1.3% |
| V Visa Inc. Class A | 0.31% | 9,646 | $3.4M | Reduce -8.8% |
| IGHG Proshares Ig Hedged | 0.31% | 42,891 | $3.4M | Add +290.2% |
| VDC Vanguard Consumer Staple ETF | 0.29% | 15,177 | $3.2M | Add +0.3% |
| ITA iShares U.S. Aerospace & Def | 0.27% | 14,016 | $3.0M | Add +3.3% |
| IVW iShares S&P 500 Growth ETF | 0.27% | 24,334 | $3.0M | Reduce -2.4% |
| SPGI S&P Global Inc. | 0.27% | 5,686 | $3.0M | Reduce -3.6% |
| VCIT Vanguard Int-Term Corporate | 0.27% | 35,336 | $3.0M | Add +14.3% |
| PANW Palo Alto Networks Inc. | 0.27% | 15,821 | $2.9M | Reduce -6.6% |
| DTD Wisdomtree US Total Dividend | 0.26% | 34,028 | $2.9M | Add +2.2% |
| EPD Enterprise Products Partners | 0.26% | 89,344 | $2.9M | Add +1.6% |
| XLE SS Energy Select Sector | 0.25% | 62,473 | $2.8M | Reduce -13.8% |
| XLY SS Consumer Disc Select Sect | 0.25% | 23,014 | $2.7M | Add +0.3% |
| FLMI Franklin Dynamic Municipal B | 0.25% | 108,924 | $2.7M | Add +602.5% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.24% | 9,239 | $2.7M | Add +1.7% |
| DBEF Xtrackers MSCI Eafe Hedged E | 0.24% | 55,263 | $2.7M | Add +2.3% |
| VIG Vanguard Dividend Apprec ETF | 0.24% | 12,001 | $2.6M | Reduce -12.3% |
Other holdings (1): bonds, preferreds, convertibles and warrants · $470K (not counted above)
| Security | Class | Shares / Principal | Value | Change |
|---|---|---|---|---|
| BANK OF AMERICA CORP (BAC 7.25 PERP L) | 7.25%CNV PFD L | 375 | $470K | No change |
Total filed on the 13F, all lines: $1.1B.
Portfolio Sells Q3 2025 → Q4 2025
| XLRE SS Real Estate Select Sector | Reduce -19.5% | 0.62% | −0.22 |
| JMTG Mortgage-Backed Securities | Reduce -78.6% | 0.05% | −0.20 |
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -14.3% | 1.15% | −0.20 |
| PDEC Innovator U.S. Equity Power | Sold out | 0.00% | −0.11 |
| VGT Vanguard Info Tech ETF | Reduce -5.0% | 1.25% | −0.11 |
| MSFT Microsoft Corp. | Reduce -2.4% | 0.68% | −0.10 |
| COST Costco Wholesale Corp. | Reduce -2.8% | 0.56% | −0.08 |
| IVV iShares Core S&P 500 ETF | Reduce -1.9% | 2.17% | −0.08 |
| SCHD Schwab US DVD Equity ETF | Reduce -8.9% | 0.53% | −0.07 |
| SPSB SS SPDR P St C Corp. ETF | Reduce -1.9% | 1.03% | −0.07 |
| HD Home Depot Inc. | Reduce -6.5% | 0.21% | −0.07 |
| PANW Palo Alto Networks Inc. | Reduce -6.6% | 0.27% | −0.06 |
| FSTA Fidelity MSCI Cons Stap Indx | Reduce -0.4% | 1.01% | −0.06 |
| NVDA Nvidia Corp. | Reduce -2.6% | 0.85% | −0.06 |
| CALF PCR US SM CP CSH CWS ETF-Usd | Reduce -12.5% | 0.34% | −0.06 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -1.3% | 0.98% | −0.05 |
| XLE SS Energy Select Sector | Reduce -13.8% | 0.25% | −0.05 |
| XLV SS Health Care Select Sector | Reduce -34.2% | 0.12% | −0.05 |
| PJAN Innovator U.S. Equity Power | Sold out | 0.00% | −0.05 |
| ORCL Oracle Corp. | Reduce -3.8% | 0.08% | −0.05 |
| GEHC GE Healthcare Technology | Sold out | 0.00% | −0.05 |
| IUSV iShares Core S&P U.S. Value | Reduce -2.5% | 1.07% | −0.05 |
| APD Air Products & Chemicals Inc. | Reduce -38.8% | 0.05% | −0.04 |
| UCON First Trust Smith Unconstrai | Reduce -1.5% | 0.72% | −0.04 |
| IJH iShares Core S&P Midcap ETF | Reduce -1.3% | 0.97% | −0.04 |
| MA Mastercard Inc. Class A | Reduce -0.1% | 1.01% | −0.04 |
| VIG Vanguard Dividend Apprec ETF | Reduce -12.3% | 0.24% | −0.04 |
| NFLX Netflix Inc. | Reduce -1.3% | 0.10% | −0.04 |
| V Visa Inc. Class A | Reduce -8.8% | 0.31% | −0.03 |
| BSCP Invesco Bulletshares 2025 CB | Sold out | 0.00% | −0.03 |
| FISV Fiserv Inc. | Reduce -3.7% | 0.03% | −0.03 |
| SDY SS SPDR S&P Dividend ETF | Reduce -32.5% | 0.06% | −0.03 |
| BSJP Invesco Bulletshares 2025 HY | Sold out | 0.00% | −0.03 |
| GILD Gilead Sciences Inc. | Reduce -31.3% | 0.08% | −0.03 |
| BX Blackstone Inc. | Sold out | 0.00% | −0.03 |
| IJR iShares Core S&P Small-Cap E | Reduce -1.4% | 0.59% | −0.03 |
| MO Altria Group Inc. | Reduce -1.6% | 0.12% | −0.03 |
| AFL Aflac Inc. | Reduce -0.6% | 0.42% | −0.03 |
| VAW Vanguard Materials ETF | Reduce -3.5% | 0.38% | −0.03 |
| PJUL Innovator U.S. Equity Power | Reduce -5.0% | 0.31% | −0.02 |
| SPHQ Invesco S&P 500 Quality ETF | Reduce -0.6% | 1.03% | −0.02 |
| BSCQ Invesco Bulletshares 2026 CB | Reduce -35.8% | 0.04% | −0.02 |
| AVUS Avantis U.S. Equity ETF | Reduce -9.4% | 0.20% | −0.02 |
| SAIC Science Applications Inte | Sold out | 0.00% | −0.02 |
| AVGO Broadcom Inc. | Reduce -22.4% | 0.08% | −0.02 |
| ARKW ARK Next Generation Technolo | Sold out | 0.00% | −0.02 |
| BCD Abrdn Bloomberg All Commodit | Sold out | 0.00% | −0.02 |
| BLK BlackRock Inc. | Sold out | 0.00% | −0.02 |
| LMT Lockheed Martin Corp. | Reduce -1.5% | 0.22% | −0.02 |
| ZBH Zimmer Biomet Holdings Inc. | Sold out | 0.00% | −0.02 |
Portfolio Buys Q3 2025 → Q4 2025
| AVDE Avantis International Equity | Add +99.7% | 0.53% | +0.26 |
| IGHG Proshares Ig Hedged | Add +290.2% | 0.31% | +0.22 |
| GARP iShares MSCI USA Quality Gar | New | 0.22% | +0.22 |
| FLMI Franklin Dynamic Municipal B | Add +602.5% | 0.25% | +0.21 |
| EVMO Eaton Vance Mortgage Opp ETF | New | 0.20% | +0.20 |
| IEFA iShares Core MSCI Eafe ETF | Add +21.3% | 1.18% | +0.19 |
| GLDM SPDR Gold Minishares Trust | New | 0.19% | +0.19 |
| AVUV Avantis US Small Cap Value | Add +15.7% | 1.27% | +0.15 |
| DFUS Dimensional US Eq MKT ETF | Add +11.3% | 1.26% | +0.11 |
| POCT Innovator U.S. Equity Power | Add +26.4% | 0.55% | +0.11 |
| LLY Eli Lilly & Co. | Add +0.0% | 0.33% | +0.09 |
| FTEC Fidelity MSCI Info Tech Indx | Add +62.6% | 0.23% | +0.08 |
| FENI Fidelity Enhanced Intl ETF | Add +14.0% | 0.71% | +0.08 |
| RDVY First Trust Rising Dividend | Add +14.0% | 0.63% | +0.07 |
| DFAT Dimensional US Target Value | Add +27.0% | 0.31% | +0.06 |
| BIV Vanguard Intermediate-Term B | Add +8.0% | 1.77% | +0.06 |
| FNDX Schwab Fndmntl US LRG Co. ETF | Add +3.5% | 2.07% | +0.06 |
| DFIV Dimensional International Va | Add +4.2% | 0.69% | +0.05 |
| AVLV Avantis US Large Cap Value | Add +3.7% | 1.19% | +0.05 |
| VOO Vanguard S&P 500 ETF | Add +5.0% | 1.57% | +0.05 |
| SCHF Schwab Intl Equity ETF | Add +4.3% | 1.50% | +0.05 |
| NLR Vaneck Urani & Nuclr ETF-Usd | Add +63.7% | 0.15% | +0.04 |
| AVIG Avantis Core Fixed Income | New | 0.04% | +0.04 |
| AVEM Avantis Emerging Markets Eq | Add +6.7% | 0.87% | +0.04 |
| IOO iShares Global 100 ETF | Add +2.1% | 1.17% | +0.04 |
| PRF Invesco Rafi US 1000 ETF | Add +22.1% | 0.21% | +0.04 |
| NOCT Innovator Growth-100 Power B | Add +29.6% | 0.17% | +0.04 |
| GLD SPDR Gold Shares | Add +1.1% | 0.47% | +0.04 |
| HWM Howmet Aerospace Inc. | Add +26.5% | 0.15% | +0.03 |
| FNDF Schwab Fndmn Intl LRG Co. ETF | Add +1.2% | 1.51% | +0.03 |
| AMD Advanced Micro Devices | Add +26.4% | 0.07% | +0.02 |
| BKIE BNY Mellon Intl Eqty ETF | New | 0.02% | +0.02 |
| QTUM Defiance Quantum ETF | Add +40.3% | 0.08% | +0.02 |
| NOW ServiceNow Inc. | New | 0.02% | +0.02 |
| VCIT Vanguard Int-Term Corporate | Add +14.3% | 0.27% | +0.02 |
| AMAT Applied Materials Inc. | New | 0.02% | +0.02 |
| SLV iShares Silver Trust | New | 0.02% | +0.02 |
| FHLC Fidelity MSCI Health Care | Add +44.1% | 0.06% | +0.02 |
| HSCZ iShares Cur HDG MSCI Eafe SM | Add +11.9% | 0.22% | +0.02 |
| JPIB JPMorgan Intl BND ETF | Add +6.5% | 1.42% | +0.02 |
| FDX FedEx Corp. | New | 0.02% | +0.02 |
| BMY Bristol-Myers Squibb Co. | New | 0.02% | +0.02 |
| SPMD SS SPDR P S&P 400 Midcap ETF | New | 0.02% | +0.02 |
| UPS United Parcel Service Class B | New | 0.02% | +0.02 |
| WELL Welltower Inc. | New | 0.02% | +0.02 |
| JPST JPMorgan Ultra-Short Income | Add +10.6% | 0.34% | +0.02 |
| FBCG Fidelity Blue Chip Grow ETF | Add +12.1% | 0.20% | +0.02 |
| FDVV Fidelity High Dividend ETF | Add +12.2% | 0.19% | +0.02 |
| MUNI PIMCO Intermediate Municipal | Add +6.9% | 0.51% | +0.01 |
| VYMI Vanguard Int High DVD YLD Inc. | Add +1.2% | 0.35% | +0.01 |
Notes & Other Activity Q3 2025 → Q4 2025
| COHEN & STEERS INFRASTRU | RIGHT 10/16/2025 | Sold out | 32,252 | $3Kbefore exit |
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 |