Certus Wealth Management, LLC
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 11, 2025), Certus Wealth Management, LLC reported 57 stock positions worth $149.4 million. Its top holding was Vanguard S&P 500 ETF (VOO) at 15.0% of the portfolio, followed by Vanguard Mrngstar GR ETF-Sui (VUG, 7.1%) and Vanguard Total Bond Market (BND, 6.7%). Compared with Q3 2024, it opened 6 new positions, added to 23 and reduced 20. The biggest buy was a new position in Vanguard US Momentum Factor (VFMO) and the biggest sale Vanguard Total Bond Market (BND, shares −16%).
- Most Recent 13F
- Q3 2025
- Location
- SAN CARLOS, CA
- CIK
- 0001989526
- Portfolio Value
- $149.4M (Q4 2024)
- SEC Filing
- 0001765380-25-000072 ↗ filed Feb 11, 2025
Holdings Value
Holdings 57 stocks · $149.4M
| VOO Vanguard S&P 500 ETF | 14.98% | 40,233 | $22.4M | Add +0.9% |
| VUG Vanguard Mrngstar GR ETF-Sui | 7.07% | 24,985 | $10.6M | Reduce -0.5% |
| BND Vanguard Total Bond Market | 6.74% | 139,214 | $10.1M | Reduce -15.7% |
| EFV iShares MSCI Eafe Value ETF | 5.50% | 147,051 | $8.2M | Add +0.3% |
| EFG iShares MSCI Eafe Growth ETF | 5.37% | 78,311 | $8.0M | Add +14.0% |
| CMF iShares California Muni Bond | 5.34% | 140,006 | $8.0M | Add +9.5% |
| ITOT iShares Core S&P Total U.S. | 5.27% | 59,131 | $7.9M | Add +3.7% |
| IVV iShares Core S&P 500 ETF | 5.14% | 12,627 | $7.7M | Reduce -0.2% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 4.64% | 130,395 | $6.9M | Add +4.5% |
| QUAL iShares MSCI USA Quality Fac | 4.58% | 37,121 | $6.8M | Add +1.4% |
| AAPL Apple Inc. | 3.93% | 25,813 | $5.9M | Add +0.8% |
| EMXC iShares MSCI Emr MRK Ex Chna | 2.65% | 69,523 | $4.0M | Add +8.3% |
| IVE iShares S&P 500 Value ETF | 1.79% | 13,727 | $2.7M | Add +1.0% |
| IYW iShares Ustechnology ETF | 1.74% | 15,942 | $2.6M | Reduce -2.8% |
| IEF iShares 7-10 Year Treasury B | 1.60% | 25,682 | $2.4M | Reduce -0.2% |
| VMBS Vanguard Mortgage-Backed Sec | 1.47% | 48,094 | $2.2M | Add +1.2% |
| VWO Vanguard Ftse Emerging Marke | 1.41% | 46,577 | $2.1M | Reduce -0.6% |
| IEFA iShares Core MSCI Eafe ETF | 1.34% | 26,949 | $2.0M | Reduce -0.1% |
| ORCL Oracle Corp. | 1.33% | 11,142 | $2.0M | Add +0.0% |
| BINC iShares Flex I A ETF-Usd Inc. | 1.18% | 33,695 | $1.8M | Add +3.0% |
| VFMO Vanguard US Momentum Factor | 0.99% | 8,375 | $1.5M | New |
| IXN iShares Global Tech ETF | 0.96% | 16,623 | $1.4M | Add +1.1% |
| OEF iShares S&P 100 ETF | 0.94% | 4,752 | $1.4M | Add +9.7% |
| TLT iShares 20+ Year Treasury BD | 0.92% | 15,493 | $1.4M | Add +9.6% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.83% | 6,997 | $1.2M | Reduce -1.9% |
| GOVT iShares US Treasury Bond ETF | 0.80% | 53,121 | $1.2M | Add +5.5% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 0.78% | 25,736 | $1.2M | No change |
| MUB iShares National Muni Bond E | 0.76% | 10,672 | $1.1M | Add +59.6% |
| SUB iShares Short-Term National | 0.76% | 10,723 | $1.1M | Reduce -10.7% |
| IXUS iShares Core Intl Stock ETF | 0.73% | 15,812 | $1.1M | No change |
| USMV iShares MSCI USA Min Vol Fac | 0.66% | 10,534 | $981K | Reduce -1.9% |
| IFRA iShares US Infrastructure | 0.60% | 18,765 | $897K | Reduce -4.0% |
| TSLA Tesla Inc. | 0.52% | 2,222 | $779K | Reduce -2.9% |
| SPTI SS SPDR P Int Term TSY ETF | 0.51% | 27,361 | $766K | Add +6.9% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.46% | 1,124 | $680K | No change |
| VTI VG Morningstar TS MKT ETF-US | 0.45% | 2,256 | $677K | Reduce -6.3% |
| LMT Lockheed Martin Corp. | 0.44% | 1,468 | $658K | Reduce -10.0% |
| IAU iShares Gold Trust | 0.43% | 11,831 | $649K | New |
| EMB iShares JP Morgan Usd Emergi | 0.43% | 7,023 | $637K | Reduce -3.8% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.41% | 12,290 | $617K | Reduce -35.9% |
| ESGU iShares ESG Aware MSCI USA | 0.40% | 4,492 | $596K | No change |
| VLUE iShares MSCI USA Value Facto | 0.33% | 4,458 | $490K | No change |
| IXC iShares Global Energy ETF | 0.28% | 10,342 | $416K | Add +21.2% |
| IEMG iShares Core MSCI Emerging | 0.26% | 7,103 | $385K | Reduce -10.8% |
| MBB iShares MBS ETF | 0.25% | 4,124 | $380K | Add +8.2% |
| MSFT Microsoft Corp. | 0.23% | 821 | $339K | Reduce -3.9% |
| META Meta Platforms Inc. Class A | 0.21% | 445 | $319K | Add +1.1% |
| HEFA Isha Curr Hedged MSCI Eafe | 0.20% | 8,342 | $306K | Add +44.1% |
| IWF iShares Russell 1000 Growth | 0.20% | 739 | $305K | No change |
| SCHZ Schwab US Aggregate Bond ETF | 0.19% | 12,264 | $280K | No change |
| AMZN Amazon.com Inc. | 0.16% | 1,004 | $234K | New |
| IGEB iShares Investment Grade SYS | 0.15% | 5,078 | $226K | Reduce -35.7% |
| NFLX Netflix Inc. | 0.15% | 213 | $219K | New |
| MTUM iShares MSCI USA Momentum Fa | 0.14% | 905 | $206K | Reduce -14.8% |
| TLH iShares 10-20 Year Treasury | 0.14% | 2,028 | $205K | New |
| VB Vanguard Most SM-Cap ETF-Usd | 0.14% | 824 | $205K | New |
| F Ford Motor Co. filed as FORD MTR CO | 0.12% | 19,562 | $181K | No change |
Portfolio Sells Q3 2024 → Q4 2024
| BND Vanguard Total Bond Market | Reduce -15.7% | 6.74% | −1.89 |
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -35.9% | 0.41% | −0.27 |
| LMT Lockheed Martin Corp. | Reduce -10.0% | 0.44% | −0.22 |
| IEF iShares 7-10 Year Treasury B | Reduce -0.2% | 1.60% | −0.16 |
| VWO Vanguard Ftse Emerging Marke | Reduce -0.6% | 1.41% | −0.15 |
| SUB iShares Short-Term National | Reduce -10.7% | 0.76% | −0.13 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -0.1% | 1.34% | −0.12 |
| IGEB iShares Investment Grade SYS | Reduce -35.7% | 0.15% | −0.10 |
| IEMG iShares Core MSCI Emerging | Reduce -10.8% | 0.26% | −0.06 |
| EMB iShares JP Morgan Usd Emergi | Reduce -3.8% | 0.43% | −0.05 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -1.9% | 0.83% | −0.04 |
| IFRA iShares US Infrastructure | Reduce -4.0% | 0.60% | −0.04 |
| MSFT Microsoft Corp. | Reduce -3.9% | 0.23% | −0.03 |
| USMV iShares MSCI USA Min Vol Fac | Reduce -1.9% | 0.66% | −0.03 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -6.3% | 0.45% | −0.02 |
| MTUM iShares MSCI USA Momentum Fa | Reduce -14.8% | 0.14% | −0.01 |
| IYW iShares Ustechnology ETF | Reduce -2.8% | 1.74% | +0.01 |
| IVV iShares Core S&P 500 ETF | Reduce -0.2% | 5.14% | +0.06 |
| TSLA Tesla Inc. | Reduce -2.9% | 0.52% | +0.10 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -0.5% | 7.07% | +0.36 |
Portfolio Buys Q3 2024 → Q4 2024
| VFMO Vanguard US Momentum Factor | New | 0.99% | +0.99 |
| IAU iShares Gold Trust | New | 0.43% | +0.43 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | Add +4.5% | 4.64% | +0.34 |
| VOO Vanguard S&P 500 ETF | Add +0.9% | 14.98% | +0.34 |
| ITOT iShares Core S&P Total U.S. | Add +3.7% | 5.27% | +0.28 |
| MUB iShares National Muni Bond E | Add +59.6% | 0.76% | +0.26 |
| EFG iShares MSCI Eafe Growth ETF | Add +14.0% | 5.37% | +0.22 |
| CMF iShares California Muni Bond | Add +9.5% | 5.34% | +0.17 |
| AMZN Amazon.com Inc. | New | 0.16% | +0.16 |
| NFLX Netflix Inc. | New | 0.15% | +0.15 |
| TLH iShares 10-20 Year Treasury | New | 0.14% | +0.14 |
| VB Vanguard Most SM-Cap ETF-Usd | New | 0.14% | +0.14 |
| OEF iShares S&P 100 ETF | Add +9.7% | 0.94% | +0.10 |
| HEFA Isha Curr Hedged MSCI Eafe | Add +44.1% | 0.20% | +0.06 |
| META Meta Platforms Inc. Class A | Add +1.1% | 0.21% | +0.04 |
| IXC iShares Global Energy ETF | Add +21.2% | 0.28% | +0.04 |
| ORCL Oracle Corp. | Add +0.0% | 1.33% | +0.01 |
| IXN iShares Global Tech ETF | Add +1.1% | 0.96% | +0.01 |
| QUAL iShares MSCI USA Quality Fac | Add +1.4% | 4.58% | +0.01 |
| MBB iShares MBS ETF | Add +8.2% | 0.25% | +0.00 |
| SPTI SS SPDR P Int Term TSY ETF | Add +6.9% | 0.51% | −0.01 |
| GOVT iShares US Treasury Bond ETF | Add +5.5% | 0.80% | −0.02 |
| BINC iShares Flex I A ETF-Usd Inc. | Add +3.0% | 1.18% | −0.04 |
| TLT iShares 20+ Year Treasury BD | Add +9.6% | 0.92% | −0.04 |
| IVE iShares S&P 500 Value ETF | Add +1.0% | 1.79% | −0.07 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +8.3% | 2.65% | −0.08 |
| VMBS Vanguard Mortgage-Backed Sec | Add +1.2% | 1.47% | −0.10 |
| AAPL Apple Inc. | Add +0.8% | 3.93% | −0.22 |
| EFV iShares MSCI Eafe Value ETF | Add +0.3% | 5.50% | −0.37 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q3 2025 | 58 | $167.1M | VOO, VUG, EFV, DYNF, BND |
| Q2 2025 | 56 | $155.3M | VOO, VUG, EFV, BND, QUAL |
| Q1 2025 | 53 | $147.3M | VOO, VUG, BND, CMF, QUAL |
| Q4 2024 | 57 | $149.4M | VOO, VUG, BND, EFV, EFG |
| Q3 2024 | 51 | $143.7M | VOO, BND, VUG, EFV, CMF |
| Q2 2024 | 52 | $131.7M | VOO, ITOT, VUG, BND, CMF |
| Q1 2024 | 50 | $125.6M | VOO, ITOT, BND, EFV, CMF |