CRA Financial Services, LLC
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed July 14, 2025), CRA Financial Services, LLC reported 278 stock positions worth $654.1 million. Its top holding was Apple (AAPL) at 6.4% of the portfolio, followed by Schwab US DVD Equity ETF (SCHD, 4.9%) and Schwab US Large-Cap Growth (SCHG, 4.6%). Compared with Q1 2025, it opened 14 new positions, sold out of 7, added to 132 and reduced 89. The biggest buy was Nvidia (NVDA, shares +4%) and the biggest sale SS SPDR S&P Dividend ETF (SDY, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- NORTHFIELD, NJ
- CIK
- 0001765594
- Portfolio Value
- $654.1M (Q2 2025)
- SEC Filing
- 0001765594-25-000004 ↗ filed Jul 14, 2025
Holdings Value
Holdings 278 stocks · $654.1M
| AAPL Apple Inc. | 6.37% | 203,169 | $41.7M | Add +0.2% |
| SCHD Schwab US DVD Equity ETF | 4.86% | 1,198,977 | $31.8M | Add +6.2% |
| SCHG Schwab US Large-Cap Growth | 4.56% | 1,021,763 | $29.8M | Add +4.1% |
| AMZN Amazon.com Inc. | 4.54% | 135,493 | $29.7M | Add +0.2% |
| QQQ Invesco QQQ Trust Series 1 | 3.49% | 41,401 | $22.8M | Add +4.2% |
| MSFT Microsoft Corp. | 3.15% | 41,413 | $20.6M | Reduce -0.6% |
| NVDA Nvidia Corp. | 3.05% | 126,398 | $20.0M | Add +3.9% |
| IVV iShares Core S&P 500 ETF | 2.65% | 27,880 | $17.3M | Add +5.6% |
| VIG Vanguard Dividend Apprec ETF | 2.58% | 82,446 | $16.9M | Reduce -0.6% |
| VB Vanguard Most SM-Cap ETF-Usd | 2.25% | 62,010 | $14.7M | Add +2.9% |
| DGRW Wisdomtree U.S. Quality Divi | 2.16% | 168,852 | $14.1M | Add +2.6% |
| SDY SS SPDR S&P Dividend ETF | 2.12% | 102,235 | $13.9M | Reduce -1.1% |
| SPY SS SPDR S&P 500 ETF Trust-US | 1.90% | 20,100 | $12.4M | Add +18.3% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.90% | 44,328 | $12.4M | Add +4.3% |
| GOOGL Alphabet Inc. Class A | 1.79% | 66,625 | $11.7M | Add +0.1% |
| META Meta Platforms Inc. Class A | 1.63% | 14,406 | $10.6M | Add +1.4% |
| BALT Inn Defined Wealth Shield | 1.58% | 321,612 | $10.3M | Add +17.5% |
| ZALT Innovator US Eq 10 Buffer | 1.48% | 313,602 | $9.7M | Add +25.7% |
| VOO Vanguard S&P 500 ETF | 1.35% | 15,583 | $8.9M | Add +12.6% |
| PDEC Innovator U.S. Equity Power | 1.03% | 168,383 | $6.7M | Reduce -0.0% |
| AVGO Broadcom Inc. | 1.01% | 24,025 | $6.6M | Add +1.3% |
| SCHF Schwab Intl Equity ETF | 0.99% | 292,571 | $6.5M | Add +15.9% |
| HD Home Depot Inc. | 0.92% | 16,386 | $6.0M | Reduce -0.5% |
| V Visa Inc. Class A | 0.89% | 16,345 | $5.8M | Add +0.2% |
| JPST JPMorgan Ultra-Short Income | 0.83% | 107,317 | $5.4M | Add +18.2% |
| RSP Invesco S&P 500 Equal Weight | 0.82% | 29,675 | $5.4M | Add +0.4% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.82% | 11,059 | $5.4M | Add +1.1% |
| IVVM Ishar LC MD Qur LD ETF-US Inc. | 0.78% | 157,971 | $5.1M | Reduce -8.4% |
| GOOG Alphabet Inc. Class C | 0.75% | 27,786 | $4.9M | Add +1.5% |
| FBND Fidelity Total Bond ETF | 0.74% | 106,350 | $4.9M | Add +7.2% |
| IJH iShares Core S&P Midcap ETF | 0.69% | 72,369 | $4.5M | Reduce -7.9% |
| JAAA Janus Henderson Aaa Clo ETF | 0.63% | 81,019 | $4.1M | Add +5.0% |
| BSCP Invesco Bulletshares 2025 CB | 0.62% | 197,547 | $4.1M | Add +0.9% |
| SCHB Schwab US Broad Market ETF | 0.60% | 165,976 | $4.0M | Add +2.4% |
| IWF iShares Russell 1000 Growth | 0.59% | 9,117 | $3.9M | Add +0.4% |
| PJAN Innovator U.S. Equity Power | 0.59% | 87,359 | $3.8M | Reduce -2.2% |
| MA Mastercard Inc. Class A | 0.59% | 6,833 | $3.8M | Reduce -1.3% |
| XOM Exxon Mobil Corp. | 0.58% | 35,288 | $3.8M | Add +1.6% |
| VYMI Vanguard Int High DVD YLD Inc. | 0.56% | 45,765 | $3.7M | Add +16.6% |
| VCIT Vanguard Int-Term Corporate | 0.55% | 43,682 | $3.6M | Reduce -3.0% |
| NFLX Netflix Inc. | 0.52% | 2,543 | $3.4M | Add +3.4% |
| PAUG Innovator U.S. Equity Power | 0.51% | 82,535 | $3.3M | Reduce -4.0% |
| JPM JPMorgan Chase & Co. | 0.50% | 11,300 | $3.3M | Add +1.7% |
| LLY Eli Lilly & Co. | 0.48% | 3,995 | $3.1M | Reduce -1.8% |
| BSCQ Invesco Bulletshares 2026 CB | 0.47% | 157,679 | $3.1M | Add +8.8% |
| HDV iShares Core High Dividend E | 0.46% | 25,686 | $3.0M | Reduce -0.8% |
| PAPR Innovator U.S. Equity Power | 0.45% | 79,289 | $3.0M | Add +14.7% |
| PJUL Innovator U.S. Equity Power | 0.41% | 61,623 | $2.7M | Reduce -4.7% |
| DLN Wisdomtree US Largecap Divid | 0.40% | 31,925 | $2.6M | Add +0.1% |
| AVLV Avantis US Large Cap Value | 0.40% | 38,316 | $2.6M | Add +6.8% |
| BSCR Invesco Bulletshares 2027 CB | 0.39% | 131,120 | $2.6M | Add +8.5% |
| FBCG Fidelity Blue Chip Grow ETF | 0.39% | 52,896 | $2.6M | Add +19.9% |
| IJR iShares Core S&P Small-Cap E | 0.38% | 22,936 | $2.5M | Reduce -1.3% |
| CVX Chevron Corp. | 0.38% | 17,186 | $2.5M | Add +23.0% |
| PMAR Innovator U.S. Equity Power | 0.37% | 58,032 | $2.5M | Add +2.9% |
| ONEQ Fidelity Nasdaq Comp Indx | 0.36% | 29,012 | $2.3M | Add +0.0% |
| SCHM Schwab US Mid Cap ETF | 0.35% | 82,377 | $2.3M | Reduce -2.7% |
| VBIL Vanguard 0-3M T-Bill ETF | 0.35% | 30,523 | $2.3M | New |
| TSLA Tesla Inc. | 0.35% | 7,226 | $2.3M | Reduce -3.7% |
| CGNG Cap Group New Geography Eq filed as CAPITAL GROUP NEW GEOGRAPHY | 0.35% | 78,936 | $2.3M | Add +6.9% |
| TCAF T Rowe PRC Cap Appreciation | 0.34% | 62,642 | $2.2M | Add +10.0% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.32% | 44,663 | $2.1M | Add +1.1% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.32% | 16,956 | $2.1M | Add +1.1% |
| GBTC Grayscale Bitcoin Trust ETF | 0.32% | 24,541 | $2.1M | Reduce -2.1% |
| BSCS Invesco Bulletshares 2028 CB | 0.32% | 101,234 | $2.1M | Add +4.1% |
| NEE Nextera Energy Inc. | 0.32% | 29,756 | $2.1M | Reduce -1.3% |
| GLD SPDR Gold Shares | 0.30% | 6,466 | $2.0M | Add +7.4% |
| MRVL Marvell Technology Inc. | 0.30% | 25,082 | $1.9M | Add +48.4% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.30% | 4,424 | $1.9M | Add +1.4% |
| FBTC Fidelity Wise Origin Bitcoin | 0.28% | 19,709 | $1.9M | Add +3.0% |
| PNOV Innovator U.S. Equity Power | 0.28% | 46,268 | $1.8M | Reduce -1.6% |
| VGT Vanguard Info Tech ETF | 0.28% | 2,738 | $1.8M | No change |
| TBUX T Rowe Price Ultra Short-Ter | 0.28% | 36,357 | $1.8M | Add +37.8% |
| VIOO Vanguard S&P Small-Cap 600 E | 0.27% | 17,377 | $1.8M | Reduce -0.4% |
| ABBV Abbvie Inc. | 0.27% | 9,373 | $1.7M | Add +0.7% |
| SCHA Schwab US Small-Cap ETF | 0.26% | 67,948 | $1.7M | Add +1.4% |
| PG The Procter & Gamble Co. | 0.26% | 10,602 | $1.7M | Reduce -1.2% |
| VCRM Vanguard Core Tax-Ex Bond | 0.26% | 22,915 | $1.7M | Add +18.5% |
| AVUV Avantis US Small Cap Value | 0.26% | 18,324 | $1.7M | Add +5.3% |
| VTI VG Morningstar TS MKT ETF-US | 0.25% | 5,382 | $1.6M | Add +6.6% |
| PANW Palo Alto Networks Inc. | 0.25% | 7,965 | $1.6M | Add +7.6% |
| COST Costco Wholesale Corp. | 0.25% | 1,643 | $1.6M | Add +3.1% |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 0.24% | 3,556 | $1.6M | Add +7.2% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.24% | 8,823 | $1.6M | Add +0.6% |
| WMT Walmart Inc. | 0.23% | 15,608 | $1.5M | Add +3.2% |
| POCT Innovator U.S. Equity Power | 0.23% | 36,590 | $1.5M | Reduce -0.3% |
| CRWD CrowdStrike Holdings Inc. Class A | 0.23% | 2,934 | $1.5M | Add +3.8% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.22% | 2 | $1.5M | No change |
| QQQM Invesco Nasdaq 100 ETF | 0.22% | 6,210 | $1.4M | Add +24.7% |
| IVE iShares S&P 500 Value ETF | 0.21% | 7,126 | $1.4M | Add +6.5% |
| VNQ Vanguard Real Estate ETF | 0.21% | 15,322 | $1.4M | Add +22.0% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.21% | 4,590 | $1.4M | Reduce -0.8% |
| CAT Caterpillar Inc. | 0.20% | 3,448 | $1.3M | Add +0.3% |
| VYM Vanguard High DVD Yield ETF | 0.20% | 9,887 | $1.3M | Add +1.2% |
| DGRO iShares Core Dividend Growth | 0.20% | 20,277 | $1.3M | No change |
| VSDM Vanguard Short Tax-Ex Bond | 0.20% | 16,973 | $1.3M | No change |
| DVY iShares Select Dividend ETF | 0.20% | 9,620 | $1.3M | Add +0.9% |
| JNJ Johnson & Johnson | 0.19% | 8,226 | $1.3M | Reduce -11.5% |
| QCOM Qualcomm Inc. | 0.19% | 7,691 | $1.2M | Reduce -3.1% |
| XLE SS Energy Select Sector | 0.18% | 14,204 | $1.2M | Add +4.1% |
Portfolio Sells Q1 2025 → Q2 2025
| SDY SS SPDR S&P Dividend ETF | Reduce -1.1% | 2.12% | −0.28 |
| VIG Vanguard Dividend Apprec ETF | Reduce -0.6% | 2.58% | −0.17 |
| UNH Unitedhealth Group Inc. | Reduce -0.7% | 0.14% | −0.12 |
| IVVM Ishar LC MD Qur LD ETF-US Inc. | Reduce -8.4% | 0.78% | −0.12 |
| HD Home Depot Inc. | Reduce -0.5% | 0.92% | −0.11 |
| LLY Eli Lilly & Co. | Reduce -1.8% | 0.48% | −0.10 |
| IJH iShares Core S&P Midcap ETF | Reduce -7.9% | 0.69% | −0.10 |
| HDV iShares Core High Dividend E | Reduce -0.8% | 0.46% | −0.08 |
| VCIT Vanguard Int-Term Corporate | Reduce -3.0% | 0.55% | −0.08 |
| JNJ Johnson & Johnson | Reduce -11.5% | 0.19% | −0.07 |
| MAXJ iShares LG Cap Max Buff Jun | Reduce -24.8% | 0.18% | −0.07 |
| MA Mastercard Inc. Class A | Reduce -1.3% | 0.59% | −0.06 |
| WEC WEC Energy Group Inc. | Sold out | 0.00% | −0.06 |
| PG The Procter & Gamble Co. | Reduce -1.2% | 0.26% | −0.05 |
| PDEC Innovator U.S. Equity Power | Reduce -0.0% | 1.03% | −0.05 |
| NEE Nextera Energy Inc. | Reduce -1.3% | 0.32% | −0.05 |
| PEP Pepsico Inc. | Reduce -5.5% | 0.13% | −0.05 |
| ADP Automatic Data Processing | Sold out | 0.00% | −0.05 |
| PJAN Innovator U.S. Equity Power | Reduce -2.2% | 0.59% | −0.05 |
| PAUG Innovator U.S. Equity Power | Reduce -4.0% | 0.51% | −0.05 |
| T AT&T Inc. | Sold out | 0.00% | −0.04 |
| JBBB Janus Henderson B-BBB Clo Et | Sold out | 0.00% | −0.04 |
| XVV iShares ESG Select Screened | Sold out | 0.00% | −0.04 |
| XEL Xcel Energy Inc. | Sold out | 0.00% | −0.04 |
| VHT Vanguard Health Care ETF | Reduce -5.9% | 0.14% | −0.04 |
| ESGU iShares ESG Aware MSCI USA | Sold out | 0.00% | −0.04 |
| MCD McDonald's Corp. | Reduce -0.7% | 0.18% | −0.04 |
| IJR iShares Core S&P Small-Cap E | Reduce -1.3% | 0.38% | −0.03 |
| AMGN Amgen Inc. | Reduce -7.3% | 0.09% | −0.03 |
| PJUL Innovator U.S. Equity Power | Reduce -4.7% | 0.41% | −0.03 |
| AVSC Avantis US Small Cap Equity | Reduce -15.9% | 0.11% | −0.03 |
| USIG iShares Broad Usd Investment | Reduce -11.0% | 0.11% | −0.03 |
| SCHM Schwab US Mid Cap ETF | Reduce -2.7% | 0.35% | −0.03 |
| BF.B Brown-Forman Corp. Class B | Reduce -20.1% | 0.03% | −0.03 |
| UPS United Parcel Service Class B | Reduce -0.4% | 0.11% | −0.03 |
| ZSEP Innovator Edp ETF - 1 YR Sep | Reduce -6.2% | 0.15% | −0.02 |
| KO The Coca-Cola Co. | Reduce -1.2% | 0.15% | −0.02 |
| QCOM Qualcomm Inc. | Reduce -3.1% | 0.19% | −0.02 |
| PRF Invesco Rafi US 1000 ETF | Reduce -18.1% | 0.07% | −0.02 |
| PNOV Innovator U.S. Equity Power | Reduce -1.6% | 0.28% | −0.02 |
| DFAC Dimensional US Core Equity 2 | Reduce -10.4% | 0.13% | −0.02 |
| VIOO Vanguard S&P Small-Cap 600 E | Reduce -0.4% | 0.27% | −0.02 |
| VZ Verizon Communications Inc. | Reduce -24.7% | 0.03% | −0.02 |
| RSPH Invesco S&P 500 Equal Weight | Reduce -8.7% | 0.08% | −0.02 |
| CMCSA Comcast Corp. Class A | Reduce -7.3% | 0.07% | −0.02 |
| XLU St Sr Utl SL SE SPDR ETF-Usd | Reduce -2.8% | 0.15% | −0.02 |
| PJUN Innovator U.S. Equity Power | Reduce -5.3% | 0.15% | −0.02 |
| NAPR Innovator Growth 100 Power B | Reduce -10.3% | 0.09% | −0.01 |
| WM Waste Management Inc. | Reduce -14.5% | 0.04% | −0.01 |
| POCT Innovator U.S. Equity Power | Reduce -0.3% | 0.23% | −0.01 |
Portfolio Buys Q1 2025 → Q2 2025
| NVDA Nvidia Corp. | Add +3.9% | 3.05% | +0.80 |
| SCHG Schwab US Large-Cap Growth | Add +4.1% | 4.56% | +0.36 |
| VBIL Vanguard 0-3M T-Bill ETF | New | 0.35% | +0.35 |
| AVGO Broadcom Inc. | Add +1.3% | 1.01% | +0.33 |
| QQQ Invesco QQQ Trust Series 1 | Add +4.2% | 3.49% | +0.30 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +18.3% | 1.90% | +0.27 |
| META Meta Platforms Inc. Class A | Add +1.4% | 1.63% | +0.22 |
| ZALT Innovator US Eq 10 Buffer | Add +25.7% | 1.48% | +0.21 |
| AMZN Amazon.com Inc. | Add +0.2% | 4.54% | +0.14 |
| VOO Vanguard S&P 500 ETF | Add +12.6% | 1.35% | +0.14 |
| SCHF Schwab Intl Equity ETF | Add +15.9% | 0.99% | +0.13 |
| NFLX Netflix Inc. | Add +3.4% | 0.52% | +0.13 |
| MRVL Marvell Technology Inc. | Add +48.4% | 0.30% | +0.12 |
| IVV iShares Core S&P 500 ETF | Add +5.6% | 2.65% | +0.11 |
| BALT Inn Defined Wealth Shield | Add +17.5% | 1.58% | +0.11 |
| FBCG Fidelity Blue Chip Grow ETF | Add +19.9% | 0.39% | +0.09 |
| UMAR Innovator U.S. Equity Ultra | New | 0.07% | +0.07 |
| VYMI Vanguard Int High DVD YLD Inc. | Add +16.6% | 0.56% | +0.07 |
| PLTR Palantir Technologies Inc. Class A | Add +8.1% | 0.16% | +0.06 |
| CRWD CrowdStrike Holdings Inc. Class A | Add +3.8% | 0.23% | +0.06 |
| TBUX T Rowe Price Ultra Short-Ter | Add +37.8% | 0.28% | +0.05 |
| QQQM Invesco Nasdaq 100 ETF | Add +24.7% | 0.22% | +0.05 |
| VRT Vertiv Holdings Co. Class A | New | 0.05% | +0.05 |
| FBTC Fidelity Wise Origin Bitcoin | Add +3.0% | 0.28% | +0.05 |
| JPST JPMorgan Ultra-Short Income | Add +18.2% | 0.83% | +0.05 |
| GEV GE Vernova Inc. | New | 0.04% | +0.04 |
| ASML ASML Holding NV-NY Reg SHS | New | 0.04% | +0.04 |
| CEG Constellation Energy | Add +0.3% | 0.13% | +0.04 |
| DIS The Walt Disney Co. | Add +1.1% | 0.32% | +0.04 |
| COIN Coinbase Global Inc. Class A | Add +5.9% | 0.08% | +0.04 |
| IAPR Innovator International Deve | New | 0.04% | +0.04 |
| UBER Uber Technologies Inc. | Add +28.1% | 0.11% | +0.04 |
| BTC Grayscale Bitcoin Mini ETF | New | 0.04% | +0.04 |
| MU Micron Technology Inc. | New | 0.04% | +0.04 |
| JPM JPMorgan Chase & Co. | Add +1.7% | 0.50% | +0.03 |
| GOOGL Alphabet Inc. Class A | Add +0.1% | 1.79% | +0.03 |
| BIV Vanguard Intermediate-Term B | New | 0.03% | +0.03 |
| PANW Palo Alto Networks Inc. | Add +7.6% | 0.25% | +0.03 |
| SHOP Shopify Inc. Class A | New | 0.03% | +0.03 |
| SPXL Direxion Daily S&P 500 Bull | New | 0.03% | +0.03 |
| UNOV Innovator U.S. Equity Ultra | New | 0.03% | +0.03 |
| SCHE Schwab Emrg Mrkts Eqty ETF | New | 0.03% | +0.03 |
| IWF iShares Russell 1000 Growth | Add +0.4% | 0.59% | +0.03 |
| PAPR Innovator U.S. Equity Power | Add +14.7% | 0.45% | +0.03 |
| CGNG Cap Group New Geography Eq | Add +6.9% | 0.35% | +0.03 |
| MCK McKesson Corp. | Add +41.6% | 0.09% | +0.02 |
| TCAF T Rowe PRC Cap Appreciation | Add +10.0% | 0.34% | +0.02 |
| IVW iShares S&P 500 Growth ETF | Add +11.9% | 0.14% | +0.02 |
| ORCL Oracle Corp. | Add +0.1% | 0.08% | +0.02 |
| GOOG Alphabet Inc. Class C | Add +1.5% | 0.75% | +0.02 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 321 | $867.6M | AAPL, SCHD, SCHG, AMZN, QQQ |
| Q1 2026 | 296 | $770.1M | AAPL, SCHD, SCHG, AMZN, QQQ |
| Q4 2025 | 292 | $764.2M | AAPL, SCHG, SCHD, AMZN, QQQ |
| Q3 2025 | 294 | $731.0M | AAPL, SCHG, SCHD, AMZN, QQQ |
| Q2 2025 | 278 | $654.1M | AAPL, SCHD, SCHG, AMZN, QQQ |
| Q1 2025 | 271 | $584.4M | AAPL, SCHD, AMZN, SCHG, QQQ |
| Q4 2024 | 267 | $582.8M | AAPL, AMZN, SCHD, SCHG, QQQ |
| Q3 2024 | 267 | $545.0M | AAPL, SCHD, AMZN, SCHG, QQQ |
| Q2 2024 | 251 | $495.6M | AAPL, SCHD, AMZN, SCHG, MSFT |
| Q1 2024 | 240 | $460.4M | AAPL, SCHD, AMZN, SCHG, VIG |