Certus Wealth Management, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 7, 2025), Certus Wealth Management, LLC reported 58 stock positions worth $167.1 million. Its top holding was Vanguard S&P 500 ETF (VOO) at 9.6% of the portfolio, followed by Vanguard Mrngstar GR ETF-Sui (VUG, 6.7%) and iShares MSCI Eafe Value ETF (EFV, 5.8%). Compared with Q2 2025, it opened 4 new positions, sold out of 2, added to 17 and reduced 28. The biggest buy was iShares S&P 100 ETF (OEF, shares +53%) and the biggest sale iShares MSCI Eafe Growth ETF (EFG, shares −44%).
- Most Recent 13F
- Q3 2025
- Location
- SAN CARLOS, CA
- CIK
- 0001989526
- Portfolio Value
- $167.1M (Q3 2025)
- SEC Filing
- 0001765380-25-000447 ↗ filed Nov 7, 2025
Holdings Value
Holdings 58 stocks · $167.1M
| VOO Vanguard S&P 500 ETF | 9.61% | 26,212 | $16.1M | Reduce -2.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 6.68% | 23,268 | $11.2M | Reduce -1.9% |
| EFV iShares MSCI Eafe Value ETF | 5.82% | 143,330 | $9.7M | Reduce -9.6% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 5.62% | 158,695 | $9.4M | Add +20.0% |
| BND Vanguard Total Bond Market | 5.24% | 117,640 | $8.7M | Reduce -9.4% |
| IVV iShares Core S&P 500 ETF | 4.89% | 12,217 | $8.2M | Reduce -2.8% |
| ITOT iShares Core S&P Total U.S. | 4.83% | 55,420 | $8.1M | Reduce -1.6% |
| QUAL iShares MSCI USA Quality Fac | 4.61% | 39,619 | $7.7M | Reduce -8.7% |
| CMF iShares California Muni Bond | 4.34% | 127,232 | $7.3M | Reduce -10.4% |
| OEF iShares S&P 100 ETF | 4.05% | 20,350 | $6.8M | Add +52.8% |
| VTV Vanguard Mrngstr Val ETF-Aui | 4.03% | 36,071 | $6.7M | Add +5.0% |
| AAPL Apple Inc. | 3.93% | 25,807 | $6.6M | Reduce -0.0% |
| VWO Vanguard Ftse Emerging Marke | 3.33% | 102,798 | $5.6M | Add +10.2% |
| EFG iShares MSCI Eafe Growth ETF | 2.17% | 31,902 | $3.6M | Reduce -43.8% |
| TLH iShares 10-20 Year Treasury | 1.93% | 31,268 | $3.2M | Add +25.6% |
| THRO iShares U.S. Thematic Rotati | 1.92% | 84,708 | $3.2M | Add +8.2% |
| ORCL Oracle Corp. | 1.88% | 11,142 | $3.1M | No change |
| BAI Ishrs AI in and Tech Act ETF | 1.75% | 85,374 | $2.9M | Add +67.7% |
| IAU iShares Gold Trust | 1.47% | 33,867 | $2.5M | Add +60.6% |
| VMBS Vanguard Mortgage-Backed Sec | 1.47% | 52,333 | $2.5M | Add +11.3% |
| IEFA iShares Core MSCI Eafe ETF | 1.30% | 24,852 | $2.2M | Reduce -5.4% |
| BINC iShares Flex I A ETF-Usd Inc. | 1.25% | 39,389 | $2.1M | Add +14.9% |
| EMXC iShares MSCI Emr MRK Ex Chna | 1.19% | 29,489 | $2.0M | Reduce -5.2% |
| VFMO Vanguard US Momentum Factor | 1.04% | 9,080 | $1.7M | Reduce -4.2% |
| BNDX Vanguard Total Intl Bond ETF | 1.02% | 34,428 | $1.7M | Add +14.8% |
| IEF iShares 7-10 Year Treasury B | 1.00% | 17,308 | $1.7M | Reduce -16.9% |
| SHLD Global X Defense Tech ETF | 0.97% | 23,007 | $1.6M | New |
| IXN iShares Global Tech ETF | 0.94% | 15,149 | $1.6M | Reduce -6.1% |
| PWZ Invesco California Amt-Free | 0.93% | 65,204 | $1.6M | Add +276.7% |
| IXUS iShares Core Intl Stock ETF | 0.85% | 17,114 | $1.4M | Add +2.4% |
| TSLA Tesla Inc. | 0.68% | 2,555 | $1.1M | No change |
| GOVT iShares US Treasury Bond ETF | 0.65% | 46,787 | $1.1M | Reduce -13.7% |
| USMV iShares MSCI USA Min Vol Fac | 0.62% | 10,806 | $1.0M | Reduce -4.4% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 0.61% | 21,857 | $1.0M | Reduce -15.1% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.61% | 20,389 | $1.0M | Reduce -1.8% |
| IYW iShares Ustechnology ETF | 0.57% | 4,883 | $956K | Reduce -70.8% |
| SUB iShares Short-Term National | 0.51% | 8,050 | $860K | Reduce -25.0% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.45% | 1,124 | $749K | No change |
| VTI VG Morningstar TS MKT ETF-US | 0.45% | 2,266 | $744K | No change |
| EMB iShares JP Morgan Usd Emergi | 0.44% | 7,764 | $739K | Add +9.5% |
| LMT Lockheed Martin Corp. | 0.44% | 1,468 | $733K | No change |
| SPTI SS SPDR P Int Term TSY ETF | 0.41% | 23,633 | $683K | Reduce -10.7% |
| ESGU iShares ESG Aware MSCI USA | 0.37% | 4,251 | $619K | Reduce -4.3% |
| MUB iShares National Muni Bond E | 0.30% | 4,743 | $505K | Reduce -18.0% |
| HIMU iShares High Yild Muni A ETF | 0.30% | 10,134 | $498K | New |
| VLUE iShares MSCI USA Value Facto | 0.29% | 3,937 | $492K | Reduce -11.7% |
| HEFA Isha Curr Hedged MSCI Eafe | 0.29% | 12,276 | $486K | Add +24.2% |
| IEMG iShares Core MSCI Emerging | 0.28% | 7,010 | $462K | Reduce -1.7% |
| MSFT Microsoft Corp. | 0.27% | 859 | $445K | Add +4.6% |
| IWF iShares Russell 1000 Growth | 0.21% | 739 | $346K | No change |
| META Meta Platforms Inc. Class A | 0.20% | 445 | $327K | No change |
| MBB iShares MBS ETF | 0.17% | 3,068 | $292K | Reduce -8.8% |
| IGEB iShares Investment Grade SYS | 0.17% | 6,195 | $285K | Add +3.3% |
| NFLX Netflix Inc. | 0.15% | 213 | $255K | No change |
| IXC iShares Global Energy ETF | 0.13% | 5,354 | $224K | Reduce -29.6% |
| STIP iShares 0-5 Year Tips Bond E | 0.13% | 2,062 | $213K | New |
| MTUM iShares MSCI USA Momentum Fa | 0.13% | 816 | $209K | New |
| F Ford Motor Co. filed as FORD MTR CO | 0.12% | 16,702 | $200K | No change |
Portfolio Sells Q2 2025 → Q3 2025
| EFG iShares MSCI Eafe Growth ETF | Reduce -43.8% | 2.17% | −1.92 |
| IYW iShares Ustechnology ETF | Reduce -70.8% | 0.57% | −1.29 |
| BND Vanguard Total Bond Market | Reduce -9.4% | 5.24% | −0.92 |
| CMF iShares California Muni Bond | Reduce -10.4% | 4.34% | −0.75 |
| EFV iShares MSCI Eafe Value ETF | Reduce -9.6% | 5.82% | −0.67 |
| QUAL iShares MSCI USA Quality Fac | Reduce -8.7% | 4.61% | −0.50 |
| IEF iShares 7-10 Year Treasury B | Reduce -16.9% | 1.00% | −0.28 |
| SUB iShares Short-Term National | Reduce -25.0% | 0.51% | −0.22 |
| VOO Vanguard S&P 500 ETF | Reduce -2.1% | 9.61% | −0.18 |
| SCHZ Schwab US Aggregate Bond ETF | Sold out | 0.00% | −0.17 |
| GOVT iShares US Treasury Bond ETF | Reduce -13.7% | 0.65% | −0.16 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Reduce -15.1% | 0.61% | −0.16 |
| AMZN Amazon.com Inc. | Sold out | 0.00% | −0.14 |
| IVV iShares Core S&P 500 ETF | Reduce -2.8% | 4.89% | −0.13 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -5.4% | 1.30% | −0.11 |
| MUB iShares National Muni Bond E | Reduce -18.0% | 0.30% | −0.09 |
| SPTI SS SPDR P Int Term TSY ETF | Reduce -10.7% | 0.41% | −0.08 |
| EMXC iShares MSCI Emr MRK Ex Chna | Reduce -5.2% | 1.19% | −0.07 |
| USMV iShares MSCI USA Min Vol Fac | Reduce -4.4% | 0.62% | −0.07 |
| ITOT iShares Core S&P Total U.S. | Reduce -1.6% | 4.83% | −0.06 |
| IXC iShares Global Energy ETF | Reduce -29.6% | 0.13% | −0.06 |
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -1.8% | 0.61% | −0.04 |
| VLUE iShares MSCI USA Value Facto | Reduce -11.7% | 0.29% | −0.03 |
| MBB iShares MBS ETF | Reduce -8.8% | 0.17% | −0.03 |
| IXN iShares Global Tech ETF | Reduce -6.1% | 0.94% | −0.02 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -1.9% | 6.68% | −0.02 |
| ESGU iShares ESG Aware MSCI USA | Reduce -4.3% | 0.37% | −0.02 |
| VFMO Vanguard US Momentum Factor | Reduce -4.2% | 1.04% | −0.01 |
| IEMG iShares Core MSCI Emerging | Reduce -1.7% | 0.28% | +0.00 |
| AAPL Apple Inc. | Reduce -0.0% | 3.93% | +0.52 |
Portfolio Buys Q2 2025 → Q3 2025
| OEF iShares S&P 100 ETF | Add +52.8% | 4.05% | +1.44 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | Add +20.0% | 5.62% | +0.99 |
| SHLD Global X Defense Tech ETF | New | 0.97% | +0.97 |
| BAI Ishrs AI in and Tech Act ETF | Add +67.7% | 1.75% | +0.80 |
| PWZ Invesco California Amt-Free | Add +276.7% | 0.93% | +0.67 |
| IAU iShares Gold Trust | Add +60.6% | 1.47% | +0.63 |
| VWO Vanguard Ftse Emerging Marke | Add +10.2% | 3.33% | +0.36 |
| TLH iShares 10-20 Year Treasury | Add +25.6% | 1.93% | +0.30 |
| HIMU iShares High Yild Muni A ETF | New | 0.30% | +0.30 |
| STIP iShares 0-5 Year Tips Bond E | New | 0.13% | +0.13 |
| MTUM iShares MSCI USA Momentum Fa | New | 0.13% | +0.13 |
| THRO iShares U.S. Thematic Rotati | Add +8.2% | 1.92% | +0.12 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +5.0% | 4.03% | +0.12 |
| BINC iShares Flex I A ETF-Usd Inc. | Add +14.9% | 1.25% | +0.09 |
| VMBS Vanguard Mortgage-Backed Sec | Add +11.3% | 1.47% | +0.07 |
| BNDX Vanguard Total Intl Bond ETF | Add +14.8% | 1.02% | +0.06 |
| HEFA Isha Curr Hedged MSCI Eafe | Add +24.2% | 0.29% | +0.05 |
| EMB iShares JP Morgan Usd Emergi | Add +9.5% | 0.44% | +0.02 |
| IXUS iShares Core Intl Stock ETF | Add +2.4% | 0.85% | +0.01 |
| MSFT Microsoft Corp. | Add +4.6% | 0.27% | +0.00 |
| IGEB iShares Investment Grade SYS | Add +3.3% | 0.17% | −0.00 |
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 |