Constant Guidance Financial LLC

In its 13F for Q3 2024 (holdings as of September 30, 2024, filed November 14, 2024), Constant Guidance Financial LLC reported 29 stock positions worth $117.8 million. Its top holding was Berkshire Hathaway Class B (BRK.B) at 31.5% of the portfolio, followed by SS SPDR S&P 500 ETF Trust-US (SPY, 15.0%) and Ishr Ibx Usd Invgd CB ETF-Ui (LQD, 8.4%). Compared with Q2 2024, it opened 7 new positions, sold out of 3, added to 14 and reduced 8. The biggest buy was a new position in Ishr Ibx Usd Invgd CB ETF-Ui (LQD) and the biggest sale SS SPDR BB 1-3M T-Bill ETF (BIL, shares −83%).

Most Recent 13F
Q2 2026
Location
ATTLEBORO FALLS, MA
CIK
0001995383
Portfolio Value
$117.8M (Q3 2024)
SEC Filing
0001995383-24-000006 ↗ filed Nov 14, 2024

Holdings Value

0$50.0M$100.0M$150.0M$200.0M Q1 2024: $108.6M Q1 2024 Q2 2024: $96.4M Q2 2024 Q3 2024: $117.8M $117.8M Q3 2024 Q4 2024: $116.1M Q4 2024 Q1 2025: $79.5M Q1 2025 Q2 2025: $99.5M Q2 2025 Q3 2025: $125.2M Q3 2025 Q4 2025: $142.2M Q4 2025 Q1 2026: $144.6M Q1 2026 Q2 2026: $159.2M Q2 2026

Holdings 29 stocks · $117.8M
BRK.B Berkshire Hathaway Inc. Class B 31.50% 80,648 $37.1M Reduce -3.1%
SPY SS SPDR S&P 500 ETF Trust-US 14.97% 30,740 $17.6M Add +12.8%
LQD Ishr Ibx Usd Invgd CB ETF-Ui 8.43% 87,930 $9.9M New
USMV iShares MSCI USA Min Vol Fac 7.97% 102,910 $9.4M New
SCHD Schwab US DVD Equity ETF 7.20% 100,341 $8.5M Add +982.2%
AAPL Apple Inc. 2.83% 14,303 $3.3M Reduce -28.5%
AMZN Amazon.com Inc. 2.43% 15,393 $2.9M Add +13.5%
BND Vanguard Total Bond Market 2.31% 36,218 $2.7M Reduce -28.6%
BIL SS SPDR BB 1-3M T-Bill ETF 2.19% 28,133 $2.6M Reduce -83.4%
BAC Bank of America Corp. filed as BANK AMERICA CORP 2.18% 64,748 $2.6M Add +18.7%
NFLX Netflix Inc. 1.90% 3,148 $2.2M Add +61.3%
BOND PIMCO Active Bond Exchange-T 1.85% 23,080 $2.2M New
QQQ Invesco QQQ Trust Series 1 1.85% 4,463 $2.2M Add +258.5%
MSFT Microsoft Corp. 1.78% 4,863 $2.1M Reduce -9.0%
HD Home Depot Inc. 1.51% 4,382 $1.8M Add +39.1%
META Meta Platforms Inc. Class A 1.45% 2,991 $1.7M Add +35.0%
VYM Vanguard High DVD Yield ETF 1.31% 12,005 $1.5M Add +78.6%
VOO Vanguard S&P 500 ETF 1.17% 4,330 $1.4M Add +10.2%
SPYX SS SPDR S&P 500 Foss FL ETF 0.69% 17,225 $814K Add +28.7%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.68% 8,354 $804K New
NVDA Nvidia Corp. 0.63% 6,100 $741K Add +122.6%
SPHY SS SPDR P High Yield ETF 0.53% 26,150 $629K New
DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE 0.47% 1,308 $553K Reduce -87.4%
VIG Vanguard Dividend Apprec ETF 0.45% 2,682 $531K Add +25.6%
SPTM SS SPDR P S&P 1500 Comp ETF 0.44% 7,354 $515K Reduce -5.1%
XOM Exxon Mobil Corp. 0.40% 3,972 $466K Add +0.1%
CMCSA Comcast Corp. Class A 0.39% 10,911 $456K New
HYG Ishr Ibx Usd Hiyld CB ETF-Ui 0.30% 4,400 $353K New
IVV iShares Core S&P 500 ETF 0.20% 497 $237K Reduce -5.0%
Other holdings (1): bonds, preferreds, convertibles and warrants · $4.4M (not counted above)
SecurityClassShares / PrincipalValueChange
JPMORGAN CHASE & CO (JPM 4.2 PERP MM) PFD 205,929$4.4MNew

Total filed on the 13F, all lines: $122.2M.

Portfolio Sells Q2 2024 → Q3 2024
BIL SS SPDR BB 1-3M T-Bill ETF Reduce -83.4% 2.19% −13.91
DIA SS SPDR Dow Jones Indus Avg Reduce -87.4% 0.47% −3.74
BRK.B Berkshire Hathaway Inc. Class B Reduce -3.1% 31.50% −3.60
C Citigroup Inc. Sold out 0.00% −2.35
AAPL Apple Inc. Reduce -28.5% 2.83% −1.54
BND Vanguard Total Bond Market Reduce -28.6% 2.31% −1.46
SFTBY Softbank Group Corp.-Unsp ADR Sold out 0.00% −0.97
GOOGL Alphabet Inc. Class A Sold out 0.00% −0.97
MSFT Microsoft Corp. Reduce -9.0% 1.78% −0.70
SPTM SS SPDR P S&P 1500 Comp ETF Reduce -5.1% 0.44% −0.10
IVV iShares Core S&P 500 ETF Reduce -5.0% 0.20% −0.10

Portfolio Buys Q2 2024 → Q3 2024
LQD Ishr Ibx Usd Invgd CB ETF-Ui New 8.43% +8.43
USMV iShares MSCI USA Min Vol Fac New 7.97% +7.97
SCHD Schwab US DVD Equity ETF Add +982.2% 7.20% +6.72
BOND PIMCO Active Bond Exchange-T New 1.85% +1.85
QQQ Invesco QQQ Trust Series 1 Add +258.5% 1.85% +1.23
DIS The Walt Disney Co. New 0.68% +0.68
SPHY SS SPDR P High Yield ETF New 0.53% +0.53
NFLX Netflix Inc. Add +61.3% 1.90% +0.53
VYM Vanguard High DVD Yield ETF Add +78.6% 1.31% +0.48
CMCSA Comcast Corp. Class A New 0.39% +0.39
HD Home Depot Inc. Add +39.1% 1.51% +0.38
HYG Ishr Ibx Usd Hiyld CB ETF-Ui New 0.30% +0.30
META Meta Platforms Inc. Class A Add +35.0% 1.45% +0.30
NVDA Nvidia Corp. Add +122.6% 0.63% +0.28
VOO Vanguard S&P 500 ETF Add +10.2% 1.17% +0.08
SPYX SS SPDR S&P 500 Foss FL ETF Add +28.7% 0.69% +0.07
VIG Vanguard Dividend Apprec ETF Add +25.6% 0.45% +0.05
BAC Bank of America Corp. Add +18.7% 2.18% −0.07
XOM Exxon Mobil Corp. Add +0.1% 0.40% −0.08
AMZN Amazon.com Inc. Add +13.5% 2.43% −0.28
SPY SS SPDR S&P 500 ETF Trust-US Add +12.8% 14.97% −0.42

Notes & Other Activity Q2 2024 → Q3 2024
JPMORGAN CHASE & CO (JPM 4.2 PERP MM) PFD New 205,929 $4.4M

Bonds, preferreds, convertibles and warrants; not part of the stock holdings or percentages above.

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 67$159.2MSPY, BRK.B, EFA, IWM, BIL
Q1 2026 42$144.6MBRK.B, SPY, BIL, QQQ, EFA
Q4 2025 48$142.2MBRK.B, SPY, GOOGL, AMZN, AAPL
Q3 2025 36$125.2MSPY, BRK.B, XLK, PYLD, XLC
Q2 2025 38$99.5MBRK.B, SPY, PNC, NFLX, CB
Q1 2025 30$79.5MBRK.B, SPY, PYLD, AAPL, BND
Q4 2024 36$116.1MBRK.B, VTV, SPY, SPDR BLOOMBERG 1 3 MNTH T BLL ETF, CB
Q3 2024 29$117.8MBRK.B, SPY, LQD, USMV, SCHD
Q2 2024Amended 25$96.4MBRK.B, BIL, SPY, AAPL, DIA
Q1 2024 45$108.6MBRK.B, SPY, BIL, BAC, OXY