Certior Financial Group, LLC

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 31, 2025), Certior Financial Group, LLC reported 135 stock positions worth $147.3 million. Its top holding was Schwab US Large-Cap Growth (SCHG) at 7.3% of the portfolio, followed by T Rowe PRC Cap Appreciation (TCAF, 5.6%) and Schwab US DVD Equity ETF (SCHD, 5.6%). Compared with Q2 2025, it opened 23 new positions, sold out of 4, added to 54 and reduced 49. The biggest buy was a new position in Vanguard Tot World STK ETF (VT) and the biggest sale SS SPDR BB 1-3M T-Bill ETF (BIL, shares −72%).

Most Recent 13F
Q2 2026
Location
KING OF PRUSSIA, PA
CIK
0002055620
Portfolio Value
$147.3M (Q3 2025)
SEC Filing
0001104659-25-104742 ↗ filed Oct 31, 2025

Holdings Value

0$50.0M$100.0M$150.0M$200.0M Q4 2024: $112.6M Q4 2024 Q1 2025: $121.1M Q1 2025 Q2 2025: $130.3M Q2 2025 Q3 2025: $147.3M $147.3M Q3 2025 Q4 2025: $146.7M Q4 2025 Q1 2026: $157.0M Q1 2026 Q2 2026: $182.5M Q2 2026

Holdings 135 stocks · $147.3M
SCHG Schwab US Large-Cap Growth 7.32% 338,177 $10.8M Add +3.7%
TCAF T Rowe PRC Cap Appreciation 5.59% 218,274 $8.2M Add +4.1%
SCHD Schwab US DVD Equity ETF 5.58% 300,925 $8.2M Add +7.0%
GLDM SPDR Gold Minishares Trust 4.09% 78,772 $6.0M Add +19.8%
SCHA Schwab US Small-Cap ETF 2.99% 158,029 $4.4M Add +5.9%
VXUS Vanguard Total Intl Stock 2.73% 54,664 $4.0M Add +47.2%
VGT Vanguard Info Tech ETF 2.68% 5,279 $3.9M Add +5.4%
GBTC Grayscale Bitcoin Trust ETF 2.66% 43,716 $3.9M Reduce -0.1%
SPEM State Street SP PTF Em ETF 2.64% 83,070 $3.9M Reduce -1.4%
IVV iShares Core S&P 500 ETF 2.28% 5,025 $3.4M Reduce -8.6%
CGDV Cap Group Dividend Value filed as CAPITAL GROUP DIVIDEND VALUE 2.15% 75,314 $3.2M Add +20.2%
BBJP JPMorgan Betabuilders Japan 2.13% 47,354 $3.1M Add +239.4%
AAPL Apple Inc. 2.11% 12,224 $3.1M Reduce -4.3%
STIP iShares 0-5 Year Tips Bond E 1.92% 27,358 $2.8M Reduce -0.8%
VT Vanguard Tot World STK ETF 1.83% 19,564 $2.7M New
FSK FS KKR Capital Corp. 1.70% 168,053 $2.5M Reduce -10.4%
IEF iShares 7-10 Year Treasury B 1.47% 22,379 $2.2M Reduce -1.9%
VTEB Vanguard Tax-Exempt Bond ETF 1.45% 42,772 $2.1M Add +5.5%
MUNI PIMCO Intermediate Municipal 1.45% 40,917 $2.1M Add +5.5%
BSV Vanguard Short-Term Bond ETF 1.44% 26,819 $2.1M Add +3.8%
FSCO FS Credit Opportunities Corp. 1.35% 287,788 $2.0M Add +6.1%
VWO Vanguard Ftse Emerging Marke 1.34% 36,358 $2.0M Add +6.1%
VEA Vanguard Ftse Developed ETF 1.32% 32,368 $1.9M Add +5.4%
BENJ Horizon Landmark ETF 1.12% 32,179 $1.7M Add +25.9%
SCHI Schwab 5-10 Year Corporate B 1.09% 69,465 $1.6M Add +4.0%
BND Vanguard Total Bond Market 0.97% 19,287 $1.4M New
SUB iShares Short-Term National 0.97% 13,366 $1.4M Add +5.2%
HYD Vaneck High Yield Muni ETF 0.96% 27,856 $1.4M Add +5.7%
BIL SS SPDR BB 1-3M T-Bill ETF 0.96% 15,446 $1.4M Reduce -72.3%
INDA iShares MSCI India ETF 0.94% 26,575 $1.4M Add +27.6%
QLTY GMO U.S. Quality ETF 0.89% 36,283 $1.3M Add +0.6%
ARCC Ares Capital Corp. 0.84% 60,313 $1.2M Reduce -5.3%
HGER Harbor Commodity All Weather 0.82% 47,043 $1.2M New
PLTR Palantir Technologies Inc. Class A 0.77% 6,245 $1.1M Reduce -0.3%
MSFT Microsoft Corp. 0.71% 2,015 $1.0M Add +2.2%
GOVT iShares US Treasury Bond ETF 0.68% 43,250 $1000K Reduce -3.7%
LMT Lockheed Martin Corp. 0.66% 1,950 $973K No change
CGUS Cap Group Core Equity filed as CAPITAL GROUP CORE EQUITY ET 0.63% 23,316 $922K Add +8.5%
VTI VG Morningstar TS MKT ETF-US 0.61% 2,754 $904K New
PECO Phillips Edison & Company Inc. 0.61% 26,231 $901K Reduce -11.0%
XOM Exxon Mobil Corp. 0.60% 7,784 $878K Reduce -0.9%
TSLA Tesla Inc. 0.56% 1,851 $823K Add +19.3%
CGGR Cap Group Growth Equity 0.53% 17,936 $788K Reduce -3.6%
BNDX Vanguard Total Intl Bond ETF 0.53% 15,926 $788K New
HBTA Horizon Expedition Plus ETF 0.51% 26,327 $744K Reduce -8.1%
CGCP Cap Group Core Plus Income 0.50% 32,354 $735K Add +17.9%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.50% 2,586 $730K Reduce -4.7%
VZ Verizon Communications Inc. 0.49% 16,395 $721K Reduce -0.2%
CGGO Cap Group Global Growth filed as CAPITAL GROUP GBL GROWTH EQT 0.48% 20,578 $703K Add +15.0%
VXF Vanguard Extended Market ETF 0.45% 3,157 $661K New
NVDA Nvidia Corp. 0.42% 3,298 $615K Add +47.4%
ABBV Abbvie Inc. 0.40% 2,555 $592K Reduce -7.2%
RBIL US Treasury Ultra Short Tips 0.40% 11,762 $589K Reduce -0.8%
BRK.B Berkshire Hathaway Inc. Class B 0.40% 1,169 $588K Add +5.5%
VUG Vanguard Mrngstar GR ETF-Sui 0.40% 1,223 $586K New
ARKB ARK 21SHARES Bitcoin ETF 0.39% 15,000 $570K No change
AMZN Amazon.com Inc. 0.39% 2,585 $568K Add +11.1%
MRK Merck & Co. Inc. 0.39% 6,762 $568K Add +1.3%
GMOV GMO U.S. Value ETF 0.38% 21,150 $559K No change
BTC Grayscale Bitcoin Mini ETF 0.36% 10,610 $537K No change
ECL Ecolab Inc. 0.36% 1,961 $537K No change
CGBL Cap Group Core Balanced filed as CAPITAL GROUP CORE BALANCED 0.35% 14,957 $519K Add +12.4%
MSTR Strategy Inc. 0.35% 1,605 $517K Reduce -0.1%
SPY SS SPDR S&P 500 ETF Trust-US 0.34% 761 $507K Reduce -1.3%
TSM Taiwan Semiconductor-SP ADR 0.34% 1,769 $494K Reduce -0.2%
HD Home Depot Inc. 0.33% 1,211 $491K Reduce -2.9%
ED Consolidated Edison Inc. 0.33% 4,881 $491K Add +0.4%
SCHF Schwab Intl Equity ETF 0.33% 21,068 $490K Reduce -6.5%
BITB Bitwise Bitcoin ETF 0.32% 7,522 $468K No change
ARES Ares Management Corp. Class A 0.30% 2,762 $442K Reduce -5.5%
QCOM Qualcomm Inc. 0.30% 2,644 $440K Reduce -3.7%
VIG Vanguard Dividend Apprec ETF 0.30% 2,036 $439K Add +23.8%
XHLF Bondbloxx BBG 6 MTH US Treas 0.29% 8,572 $432K No change
WEC WEC Energy Group Inc. 0.29% 3,732 $428K Reduce -0.3%
SNA Snap-on Inc. 0.29% 1,227 $425K Add +0.1%
SONY Sony Group Corp. - SP ADR 0.29% 14,688 $423K Add +0.0%
MCD McDonald's Corp. 0.28% 1,351 $411K Reduce -6.6%
COIN Coinbase Global Inc. Class A 0.28% 1,202 $406K No change
GILD Gilead Sciences Inc. 0.27% 3,644 $404K Reduce -0.1%
SCHV Schwab US Large-Cap Value 0.27% 13,622 $397K Reduce -5.7%
NVS Novartis AG-Sponsored ADR 0.27% 3,089 $396K Reduce -6.1%
ADP Automatic Data Processing 0.27% 1,332 $391K Reduce -10.2%
WSO Watsco Inc. 0.26% 954 $386K Add +1.5%
TXN Texas Instruments Inc. 0.26% 2,078 $382K Reduce -0.4%
SCHX Schwab US Large-Cap ETF 0.25% 14,233 $375K Reduce -4.5%
APD Air Products & Chemicals Inc. 0.25% 1,340 $365K Add +2.0%
OKE Oneok Inc. 0.25% 4,991 $364K Add +0.7%
GE General Electric filed as GE AEROSPACE 0.25% 1,207 $363K No change
JEPI JPMorgan Equity Premium Inco 0.24% 6,244 $357K New
UL Unilever PLC 0.23% 5,780 $343K Reduce -2.8%
SAP Sap SE-Sponsored ADR 0.23% 1,273 $340K Add +0.2%
MDT Medtronic PLC 0.22% 3,441 $328K Reduce -0.4%
BTI British American Tob-SP ADR 0.22% 6,172 $328K Reduce -17.9%
QYLG Global X Nasdaq 100 Covc GRW 0.22% 11,109 $326K New
RSG Republic Services Inc. 0.22% 1,415 $325K Add +0.4%
MAA Mid-America Apartment Comm 0.22% 2,321 $324K Add +0.7%
RELX Relx PLC - Spon ADR 0.22% 6,747 $322K Add +0.4%
CEFS Saba Opport Hedg Cef ETF-Usd 0.22% 13,984 $318K New
ARKK ARK Innovation ETF 0.21% 3,646 $315K Add +5.7%
RYLD Global X Russell 2000 Cov Class 0.21% 20,785 $313K New
MKC McCormick & Co.-Non VTG SHRS 0.21% 4,600 $308K Add +0.6%
O Realty Income Corp. 0.20% 4,955 $301K Add +4.4%
TCHP T Rowe Price Blue Chip Growt 0.20% 6,122 $299K Add +4.1%
HSMV First Trust Horizon Managed 0.20% 8,024 $292K Add +4.1%
AWK American Water Works Co. Inc. 0.20% 2,093 $291K Add +0.5%
SHOP Shopify Inc. Class A 0.19% 1,930 $287K Reduce -5.0%
PDI PIMCO Dynamic Income Fund 0.19% 14,473 $287K New
ACN Accenture PLC Class A 0.19% 1,140 $281K Reduce -9.2%
YYY Amplify Cef High Income ETF 0.19% 23,328 $276K Reduce -40.2%
KMB Kimberly-Clark Corp. 0.18% 2,172 $270K Add +2.4%
JNJ Johnson & Johnson 0.18% 1,447 $268K Reduce -3.2%
SNY Sanofi-ADR 0.18% 5,627 $266K Add +10.5%
CEG Constellation Energy 0.18% 803 $264K Add +3.0%
CGIC Cap Group Intl Core Eq filed as CAPITAL GROUP INTERNATIONAL 0.17% 8,312 $256K New
STWD Starwood Property Trust Inc. 0.17% 12,749 $247K Reduce -27.4%
MDYV SS SPDR S&P 400 MC Val ETF 0.16% 2,890 $241K Reduce -6.8%
PRU Prudential Financial Inc. 0.16% 2,305 $239K Reduce -4.5%
CBUS Cibus Inc. 0.16% 184,786 $238K Add +6.5%
AVGO Broadcom Inc. 0.16% 721 $238K New
FPAG Fpa Global Equity ETF New 0.16% 6,467 $232K Add +0.2%
SCHE Schwab Emrg Mrkts Eqty ETF 0.16% 6,925 $231K Reduce -8.8%
QQQ Invesco QQQ Trust Series 1 0.15% 380 $228K New
META Meta Platforms Inc. Class A 0.15% 299 $219K New
PFE Pfizer Inc. 0.15% 8,528 $217K Reduce -39.8%
GOOG Alphabet Inc. Class C 0.15% 888 $216K New
IGM iShares Expanded Tech Sector 0.15% 1,704 $215K New
WTRG Essential Utilities Inc. 0.15% 5,366 $214K New
VCIT Vanguard Int-Term Corporate 0.14% 2,484 $209K Add +1.2%
HOOD Robinhood Markets Inc. Class A 0.14% 1,435 $205K New
SLYG SS SPDR S&P 600 SC GR ETF 0.14% 2,157 $203K Reduce -8.4%
IAU iShares Gold Trust 0.14% 2,773 $202K New
ESCA Escalade Inc. 0.10% 11,208 $141K New
EPM Evolution Petroleum Corp. 0.09% 27,303 $132K Reduce -0.0%
GSBD Goldman Sachs BDC Inc. 0.07% 10,514 $107K Reduce -21.4%
RGP Resources Connection Inc. 0.05% 13,281 $67K New

Options reported separately and not counted above: MSTR calls ($2.7M), TSLA calls ($498K).

Portfolio Sells Q2 2025 → Q3 2025
BIL SS SPDR BB 1-3M T-Bill ETF Reduce -72.3% 0.96% −2.97
IVVB iShares Large Cap Deep Quart Sold out 0.00% −2.02
FSK FS KKR Capital Corp. Reduce -10.4% 1.70% −1.28
TIP iShares Tips Bond ETF Sold out 0.00% −0.56
IVV iShares Core S&P 500 ETF Reduce -8.6% 2.28% −0.34
STIP iShares 0-5 Year Tips Bond E Reduce -0.8% 1.92% −0.26
NGG National Grid PLC-SP ADR Sold out 0.00% −0.24
ARCC Ares Capital Corp. Reduce -5.3% 0.84% −0.24
IEF iShares 7-10 Year Treasury B Reduce -1.9% 1.47% −0.21
GBTC Grayscale Bitcoin Trust ETF Reduce -0.1% 2.66% −0.19
PECO Phillips Edison & Company Inc. Reduce -11.0% 0.61% −0.18
PM Philip Morris International Sold out 0.00% −0.17
YYY Amplify Cef High Income ETF Reduce -40.2% 0.19% −0.16
MSTR Strategy Inc. Reduce -0.1% 0.35% −0.15
SPEM State Street SP PTF Em ETF Reduce -1.4% 2.64% −0.13
IBM Intl Business Machines Corp. Reduce -4.7% 0.50% −0.12
PFE Pfizer Inc. Reduce -39.8% 0.15% −0.12
GOVT iShares US Treasury Bond ETF Reduce -3.7% 0.68% −0.11
STWD Starwood Property Trust Inc. Reduce -27.4% 0.17% −0.10
ACN Accenture PLC Class A Reduce -9.2% 0.19% −0.10
ARES Ares Management Corp. Class A Reduce -5.5% 0.30% −0.09
ADP Automatic Data Processing Reduce -10.2% 0.27% −0.09
TXN Texas Instruments Inc. Reduce -0.4% 0.26% −0.07
VZ Verizon Communications Inc. Reduce -0.2% 0.49% −0.06
RBIL US Treasury Ultra Short Tips Reduce -0.8% 0.40% −0.06
XOM Exxon Mobil Corp. Reduce -0.9% 0.60% −0.05
HBTA Horizon Expedition Plus ETF Reduce -8.1% 0.51% −0.05
BTI British American Tob-SP ADR Reduce -17.9% 0.22% −0.05
SCHF Schwab Intl Equity ETF Reduce -6.5% 0.33% −0.05
UL Unilever PLC Reduce -2.8% 0.23% −0.05
CGGR Cap Group Growth Equity Reduce -3.6% 0.53% −0.05
MCD McDonald's Corp. Reduce -6.6% 0.28% −0.05
GSBD Goldman Sachs BDC Inc. Reduce -21.4% 0.07% −0.04
SCHV Schwab US Large-Cap Value Reduce -5.7% 0.27% −0.04
QCOM Qualcomm Inc. Reduce -3.7% 0.30% −0.04
PRU Prudential Financial Inc. Reduce -4.5% 0.16% −0.04
NVS Novartis AG-Sponsored ADR Reduce -6.1% 0.27% −0.04
GILD Gilead Sciences Inc. Reduce -0.1% 0.27% −0.04
MDYV SS SPDR S&P 400 MC Val ETF Reduce -6.8% 0.16% −0.03
SCHX Schwab US Large-Cap ETF Reduce -4.5% 0.25% −0.03
SLYG SS SPDR S&P 600 SC GR ETF Reduce -8.4% 0.14% −0.02
SPY SS SPDR S&P 500 ETF Trust-US Reduce -1.3% 0.34% −0.02
SCHE Schwab Emrg Mrkts Eqty ETF Reduce -8.8% 0.16% −0.02
HD Home Depot Inc. Reduce -2.9% 0.33% −0.02
EPM Evolution Petroleum Corp. Reduce -0.0% 0.09% −0.01
WEC WEC Energy Group Inc. Reduce -0.3% 0.29% −0.01
MDT Medtronic PLC Reduce -0.4% 0.22% −0.01
JNJ Johnson & Johnson Reduce -3.2% 0.18% +0.01
ABBV Abbvie Inc. Reduce -7.2% 0.40% +0.01
SHOP Shopify Inc. Class A Reduce -5.0% 0.19% +0.01

Portfolio Buys Q2 2025 → Q3 2025
VT Vanguard Tot World STK ETF New 1.83% +1.83
BBJP JPMorgan Betabuilders Japan Add +239.4% 2.13% +1.47
BND Vanguard Total Bond Market New 0.97% +0.97
HGER Harbor Commodity All Weather New 0.82% +0.82
GLDM SPDR Gold Minishares Trust Add +19.8% 4.09% +0.78
VXUS Vanguard Total Intl Stock Add +47.2% 2.73% +0.76
VTI VG Morningstar TS MKT ETF-US New 0.61% +0.61
BNDX Vanguard Total Intl Bond ETF New 0.53% +0.53
VXF Vanguard Extended Market ETF New 0.45% +0.45
VUG Vanguard Mrngstar GR ETF-Sui New 0.40% +0.40
CGDV Cap Group Dividend Value Add +20.2% 2.15% +0.25
JEPI JPMorgan Equity Premium Inco New 0.24% +0.24
QYLG Global X Nasdaq 100 Covc GRW New 0.22% +0.22
CEFS Saba Opport Hedg Cef ETF-Usd New 0.22% +0.22
RYLD Global X Russell 2000 Cov Class New 0.21% +0.21
PDI PIMCO Dynamic Income Fund New 0.19% +0.19
TSLA Tesla Inc. Add +19.3% 0.56% +0.18
CGIC Cap Group Intl Core Eq New 0.17% +0.17
AVGO Broadcom Inc. New 0.16% +0.16
QQQ Invesco QQQ Trust Series 1 New 0.15% +0.15
META Meta Platforms Inc. Class A New 0.15% +0.15
GOOG Alphabet Inc. Class C New 0.15% +0.15
NVDA Nvidia Corp. Add +47.4% 0.42% +0.15
IGM iShares Expanded Tech Sector New 0.15% +0.15
WTRG Essential Utilities Inc. New 0.15% +0.15
HOOD Robinhood Markets Inc. Class A New 0.14% +0.14
IAU iShares Gold Trust New 0.14% +0.14
VGT Vanguard Info Tech ETF Add +5.4% 2.68% +0.13
BENJ Horizon Landmark ETF Add +25.9% 1.12% +0.12
ESCA Escalade Inc. New 0.10% +0.10
SCHA Schwab US Small-Cap ETF Add +5.9% 2.99% +0.09
INDA iShares MSCI India ETF Add +27.6% 0.94% +0.05
RGP Resources Connection Inc. New 0.05% +0.05
VIG Vanguard Dividend Apprec ETF Add +23.8% 0.30% +0.04
CGGO Cap Group Global Growth Add +15.0% 0.48% +0.04
VWO Vanguard Ftse Emerging Marke Add +6.1% 1.34% +0.04
ARKK ARK Innovation ETF Add +5.7% 0.21% +0.03
CGCP Cap Group Core Plus Income Add +17.9% 0.50% +0.02
CGUS Cap Group Core Equity Add +8.5% 0.63% +0.02
SCHG Schwab US Large-Cap Growth Add +3.7% 7.32% +0.01
CGBL Cap Group Core Balanced Add +12.4% 0.35% +0.01
TCHP T Rowe Price Blue Chip Growt Add +4.1% 0.20% −0.00
SNA Snap-on Inc. Add +0.1% 0.29% −0.00
O Realty Income Corp. Add +4.4% 0.20% −0.01
AMZN Amazon.com Inc. Add +11.1% 0.39% −0.01
SONY Sony Group Corp. - SP ADR Add +0.0% 0.29% −0.01
SNY Sanofi-ADR Add +10.5% 0.18% −0.01
FPAG Fpa Global Equity ETF New Add +0.2% 0.16% −0.01
CEG Constellation Energy Add +3.0% 0.18% −0.01
HSMV First Trust Horizon Managed Add +4.1% 0.20% −0.01

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 146$182.5MSCHG, SCHD, TCAF, BIL, SCHA
Q1 2026 130$157.0MBIL, SCHG, SCHD, TCAF, SCHA
Q4 2025 130$146.7MSCHG, SCHD, TCAF, SCHA, SPEM
Q3 2025 135$147.3MSCHG, TCAF, SCHD, GLDM, SCHA
Q2 2025 116$130.3MSCHG, SCHD, TCAF, BIL, GLDM
Q1 2025 113$121.1MSCHG, SCHD, TCAF, IVV, TIP
Q4 2024 118$112.6MSCHG, IVV, BIL, TCAF, SCHD