CRA Financial Services, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 16, 2025), CRA Financial Services, LLC reported 294 stock positions worth $731.0 million. Its top holding was Apple (AAPL) at 7.1% of the portfolio, followed by Schwab US Large-Cap Growth (SCHG, 4.6%) and Schwab US DVD Equity ETF (SCHD, 4.5%). Compared with Q2 2025, it opened 20 new positions, sold out of 4, added to 144 and reduced 89. The biggest buy was Alphabet Class A (GOOGL, shares +1%) and the biggest sale Invesco Bulletshares 2025 CB (BSCP, shares −38%).
- Most Recent 13F
- Q2 2026
- Location
- NORTHFIELD, NJ
- CIK
- 0001765594
- Portfolio Value
- $731.0M (Q3 2025)
- SEC Filing
- 0001765594-25-000008 ↗ filed Oct 16, 2025
Holdings Value
Holdings 294 stocks · $731.0M
| AAPL Apple Inc. | 7.06% | 202,585 | $51.6M | Reduce -0.3% |
| SCHG Schwab US Large-Cap Growth | 4.56% | 1,044,100 | $33.3M | Add +2.2% |
| SCHD Schwab US DVD Equity ETF | 4.52% | 1,209,473 | $33.0M | Add +0.9% |
| AMZN Amazon.com Inc. | 4.07% | 135,547 | $29.8M | Add +0.0% |
| QQQ Invesco QQQ Trust Series 1 | 3.47% | 42,250 | $25.4M | Add +2.0% |
| NVDA Nvidia Corp. | 3.33% | 130,402 | $24.3M | Add +3.2% |
| MSFT Microsoft Corp. | 2.91% | 41,051 | $21.3M | Reduce -0.9% |
| IVV iShares Core S&P 500 ETF | 2.64% | 28,795 | $19.3M | Add +3.3% |
| VIG Vanguard Dividend Apprec ETF | 2.40% | 81,247 | $17.5M | Reduce -1.4% |
| GOOGL Alphabet Inc. Class A | 2.24% | 67,346 | $16.4M | Add +1.1% |
| DGRW Wisdomtree U.S. Quality Divi | 2.23% | 182,872 | $16.3M | Add +8.3% |
| VB Vanguard Most SM-Cap ETF-Usd | 2.20% | 63,264 | $16.1M | Add +2.0% |
| SDY SS SPDR S&P Dividend ETF | 1.93% | 100,719 | $14.1M | Reduce -1.5% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.86% | 46,297 | $13.6M | Add +4.4% |
| SPY SS SPDR S&P 500 ETF Trust-US | 1.84% | 20,226 | $13.5M | Add +0.6% |
| BALT Inn Defined Wealth Shield | 1.75% | 389,414 | $12.8M | Add +21.1% |
| ZALT Innovator US Eq 10 Buffer | 1.66% | 379,951 | $12.1M | Add +21.2% |
| META Meta Platforms Inc. Class A | 1.47% | 14,595 | $10.7M | Add +1.3% |
| VOO Vanguard S&P 500 ETF | 1.45% | 17,332 | $10.6M | Add +11.2% |
| AVGO Broadcom Inc. | 1.10% | 24,275 | $8.0M | Add +1.0% |
| SCHF Schwab Intl Equity ETF | 1.06% | 334,385 | $7.8M | Add +14.3% |
| PDEC Innovator U.S. Equity Power | 0.94% | 163,623 | $6.9M | Reduce -2.8% |
| GOOG Alphabet Inc. Class C | 0.93% | 27,925 | $6.8M | Add +0.5% |
| HD Home Depot Inc. | 0.91% | 16,503 | $6.7M | Add +0.7% |
| JPST JPMorgan Ultra-Short Income | 0.82% | 118,220 | $6.0M | Add +10.2% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.78% | 11,297 | $5.7M | Add +2.1% |
| FBND Fidelity Total Bond ETF | 0.76% | 120,450 | $5.6M | Add +13.3% |
| V Visa Inc. Class A | 0.76% | 16,211 | $5.5M | Reduce -0.8% |
| IVVM Ishar LC MD Qur LD ETF-US Inc. | 0.75% | 159,946 | $5.5M | Add +1.3% |
| RSP Invesco S&P 500 Equal Weight | 0.75% | 28,830 | $5.5M | Reduce -2.9% |
| IJH iShares Core S&P Midcap ETF | 0.64% | 71,553 | $4.7M | Reduce -1.1% |
| JAAA Janus Henderson Aaa Clo ETF | 0.62% | 88,560 | $4.5M | Add +9.3% |
| VYMI Vanguard Int High DVD YLD Inc. | 0.58% | 50,244 | $4.3M | Add +9.8% |
| IWF iShares Russell 1000 Growth | 0.58% | 9,080 | $4.3M | Reduce -0.4% |
| SCHB Schwab US Broad Market ETF | 0.56% | 158,258 | $4.1M | Reduce -4.7% |
| XOM Exxon Mobil Corp. | 0.55% | 35,343 | $4.0M | Add +0.2% |
| VCIT Vanguard Int-Term Corporate | 0.54% | 47,101 | $4.0M | Add +7.8% |
| PJUL Innovator U.S. Equity Power | 0.53% | 85,253 | $3.9M | Add +38.4% |
| BSCQ Invesco Bulletshares 2026 CB | 0.53% | 198,413 | $3.9M | Add +25.8% |
| BSCR Invesco Bulletshares 2027 CB | 0.53% | 196,458 | $3.9M | Add +49.8% |
| MA Mastercard Inc. Class A | 0.53% | 6,804 | $3.9M | Reduce -0.4% |
| JPM JPMorgan Chase & Co. | 0.50% | 11,624 | $3.7M | Add +2.9% |
| VBIL Vanguard 0-3M T-Bill ETF | 0.47% | 45,195 | $3.4M | Add +48.1% |
| PJAN Innovator U.S. Equity Power | 0.46% | 73,903 | $3.4M | Reduce -15.4% |
| FBCG Fidelity Blue Chip Grow ETF | 0.44% | 59,768 | $3.2M | Add +13.0% |
| NFLX Netflix Inc. | 0.42% | 2,589 | $3.1M | Add +1.8% |
| HDV iShares Core High Dividend E | 0.42% | 25,091 | $3.1M | Reduce -2.3% |
| PAPR Innovator U.S. Equity Power | 0.42% | 79,289 | $3.0M | No change |
| LLY Eli Lilly & Co. | 0.42% | 3,982 | $3.0M | Reduce -0.3% |
| AVLV Avantis US Large Cap Value | 0.41% | 41,846 | $3.0M | Add +9.2% |
| TSLA Tesla Inc. | 0.41% | 6,747 | $3.0M | Reduce -6.6% |
| PAUG Innovator U.S. Equity Power | 0.39% | 66,810 | $2.8M | Reduce -19.1% |
| DLN Wisdomtree US Largecap Divid | 0.37% | 31,280 | $2.7M | Reduce -2.0% |
| IJR iShares Core S&P Small-Cap E | 0.37% | 22,851 | $2.7M | Reduce -0.4% |
| CGNG Cap Group New Geography Eq filed as CAPITAL GROUP NEW GEOGRAPHY | 0.37% | 87,240 | $2.7M | Add +10.5% |
| CVX Chevron Corp. | 0.37% | 17,286 | $2.7M | Add +0.6% |
| PMAR Innovator U.S. Equity Power | 0.35% | 59,068 | $2.6M | Add +1.8% |
| MRVL Marvell Technology Inc. | 0.35% | 30,811 | $2.6M | Add +22.8% |
| ONEQ Fidelity Nasdaq Comp Indx | 0.35% | 28,672 | $2.6M | Reduce -1.2% |
| BSCP Invesco Bulletshares 2025 CB | 0.35% | 123,427 | $2.6M | Reduce -37.5% |
| TCAF T Rowe PRC Cap Appreciation | 0.34% | 66,479 | $2.5M | Add +6.1% |
| SCHM Schwab US Mid Cap ETF | 0.33% | 81,871 | $2.4M | Reduce -0.6% |
| BSCS Invesco Bulletshares 2028 CB | 0.33% | 117,377 | $2.4M | Add +15.9% |
| GLD SPDR Gold Shares | 0.33% | 6,730 | $2.4M | Add +4.1% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.31% | 44,229 | $2.3M | Reduce -1.0% |
| NEE Nextera Energy Inc. | 0.31% | 29,579 | $2.2M | Reduce -0.6% |
| ABBV Abbvie Inc. | 0.31% | 9,640 | $2.2M | Add +2.9% |
| ORCL Oracle Corp. | 0.30% | 7,838 | $2.2M | Add +239.9% |
| FBTC Fidelity Wise Origin Bitcoin | 0.29% | 21,573 | $2.2M | Add +9.5% |
| GBTC Grayscale Bitcoin Trust ETF | 0.29% | 23,853 | $2.1M | Reduce -2.8% |
| VGT Vanguard Info Tech ETF | 0.28% | 2,738 | $2.0M | No change |
| VTI VG Morningstar TS MKT ETF-US | 0.28% | 6,228 | $2.0M | Add +15.7% |
| TBUX T Rowe Price Ultra Short-Ter | 0.28% | 40,694 | $2.0M | Add +11.9% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.27% | 4,174 | $2.0M | Reduce -5.7% |
| AVUV Avantis US Small Cap Value | 0.27% | 19,720 | $2.0M | Add +7.6% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.26% | 16,712 | $1.9M | Reduce -1.4% |
| PNOV Innovator U.S. Equity Power | 0.26% | 45,858 | $1.9M | Reduce -0.9% |
| VCRM Vanguard Core Tax-Ex Bond | 0.26% | 24,885 | $1.9M | Add +8.6% |
| VIOO Vanguard S&P Small-Cap 600 E | 0.26% | 16,877 | $1.9M | Reduce -2.9% |
| SCHA Schwab US Small-Cap ETF | 0.25% | 66,487 | $1.9M | Reduce -2.1% |
| IVE iShares S&P 500 Value ETF | 0.23% | 8,271 | $1.7M | Add +16.1% |
| PANW Palo Alto Networks Inc. | 0.23% | 8,304 | $1.7M | Add +4.3% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.23% | 8,948 | $1.7M | Add +1.4% |
| CAT Caterpillar Inc. | 0.23% | 3,473 | $1.7M | Add +0.7% |
| PG The Procter & Gamble Co. | 0.23% | 10,767 | $1.7M | Add +1.6% |
| WMT Walmart Inc. | 0.22% | 15,870 | $1.6M | Add +1.7% |
| POCT Innovator U.S. Equity Power | 0.22% | 37,010 | $1.6M | Add +1.1% |
| QQQM Invesco Nasdaq 100 ETF | 0.22% | 6,432 | $1.6M | Add +3.6% |
| VXUS Vanguard Total Intl Stock | 0.21% | 21,396 | $1.6M | Add +191.3% |
| COST Costco Wholesale Corp. | 0.21% | 1,687 | $1.6M | Add +2.7% |
| VYM Vanguard High DVD Yield ETF | 0.21% | 11,075 | $1.6M | Add +12.0% |
| PLTR Palantir Technologies Inc. Class A | 0.21% | 8,485 | $1.5M | Add +7.4% |
| JNJ Johnson & Johnson | 0.21% | 8,327 | $1.5M | Add +1.2% |
| CRWD CrowdStrike Holdings Inc. Class A | 0.21% | 3,099 | $1.5M | Add +5.6% |
| DVY iShares Select Dividend ETF | 0.21% | 10,645 | $1.5M | Add +10.7% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.21% | 2 | $1.5M | No change |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 0.20% | 3,183 | $1.5M | Reduce -10.5% |
| DGRO iShares Core Dividend Growth | 0.20% | 21,185 | $1.4M | Add +4.5% |
| VNQ Vanguard Real Estate ETF | 0.19% | 15,295 | $1.4M | Reduce -0.2% |
| VSDM Vanguard Short Tax-Ex Bond | 0.19% | 17,743 | $1.4M | Add +4.5% |
Portfolio Sells Q2 2025 → Q3 2025
| BSCP Invesco Bulletshares 2025 CB | Reduce -37.5% | 0.35% | −0.28 |
| MSFT Microsoft Corp. | Reduce -0.9% | 2.91% | −0.24 |
| SDY SS SPDR S&P Dividend ETF | Reduce -1.5% | 1.93% | −0.19 |
| VIG Vanguard Dividend Apprec ETF | Reduce -1.4% | 2.40% | −0.18 |
| V Visa Inc. Class A | Reduce -0.8% | 0.76% | −0.13 |
| PJAN Innovator U.S. Equity Power | Reduce -15.4% | 0.46% | −0.13 |
| PAUG Innovator U.S. Equity Power | Reduce -19.1% | 0.39% | −0.12 |
| PDEC Innovator U.S. Equity Power | Reduce -2.8% | 0.94% | −0.09 |
| RSP Invesco S&P 500 Equal Weight | Reduce -2.9% | 0.75% | −0.08 |
| LLY Eli Lilly & Co. | Reduce -0.3% | 0.42% | −0.06 |
| DIS The Walt Disney Co. | Reduce -1.4% | 0.26% | −0.06 |
| MA Mastercard Inc. Class A | Reduce -0.4% | 0.53% | −0.06 |
| UPS United Parcel Service Class B | Reduce -33.9% | 0.05% | −0.06 |
| HON Honeywell International Inc. | Reduce -15.4% | 0.10% | −0.05 |
| SCHB Schwab US Broad Market ETF | Reduce -4.7% | 0.56% | −0.05 |
| IJH iShares Core S&P Midcap ETF | Reduce -1.1% | 0.64% | −0.05 |
| UAUG Innovator U.S. Equity Ultra | Reduce -25.3% | 0.10% | −0.04 |
| HDV iShares Core High Dividend E | Reduce -2.3% | 0.42% | −0.04 |
| MUB iShares National Muni Bond E | Sold out | 0.00% | −0.04 |
| DIA SS SPDR Dow Jones Indus Avg | Reduce -10.5% | 0.20% | −0.04 |
| BSMP Invesco Bulletshares 2025 MB | Sold out | 0.00% | −0.04 |
| EOG EOG Resources Inc. | Sold out | 0.00% | −0.03 |
| CMCSA Comcast Corp. Class A | Reduce -34.8% | 0.04% | −0.03 |
| BF.B Brown-Forman Corp. Class B | Sold out | 0.00% | −0.03 |
| MRK Merck & Co. Inc. | Reduce -15.2% | 0.13% | −0.03 |
| DLN Wisdomtree US Largecap Divid | Reduce -2.0% | 0.37% | −0.03 |
| VHT Vanguard Health Care ETF | Reduce -12.8% | 0.11% | −0.03 |
| KO The Coca-Cola Co. | Reduce -1.1% | 0.12% | −0.03 |
| GBTC Grayscale Bitcoin Trust ETF | Reduce -2.8% | 0.29% | −0.03 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -5.7% | 0.27% | −0.02 |
| PNOV Innovator U.S. Equity Power | Reduce -0.9% | 0.26% | −0.02 |
| COIN Coinbase Global Inc. Class A | Reduce -15.9% | 0.06% | −0.02 |
| SCHM Schwab US Mid Cap ETF | Reduce -0.6% | 0.33% | −0.02 |
| UNH Unitedhealth Group Inc. | Reduce -14.5% | 0.12% | −0.02 |
| ZSEP Innovator Edp ETF - 1 YR Sep | Reduce -5.3% | 0.13% | −0.02 |
| PJUN Innovator U.S. Equity Power | Reduce -6.1% | 0.13% | −0.02 |
| PM Philip Morris International | Reduce -2.5% | 0.07% | −0.02 |
| XLE SS Energy Select Sector | Reduce -4.6% | 0.17% | −0.02 |
| MAXJ iShares LG Cap Max Buff Jun | Reduce -1.3% | 0.16% | −0.02 |
| VNQ Vanguard Real Estate ETF | Reduce -0.2% | 0.19% | −0.02 |
| BSCU Invesco Bulletshares 2030 CB | Reduce -1.4% | 0.11% | −0.01 |
| VIOO Vanguard S&P Small-Cap 600 E | Reduce -2.9% | 0.26% | −0.01 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -4.4% | 0.10% | −0.01 |
| IJR iShares Core S&P Small-Cap E | Reduce -0.4% | 0.37% | −0.01 |
| BA The Boeing Co. | Reduce -2.6% | 0.10% | −0.01 |
| NJUL Innovator Growth 100 Power B | Reduce -5.5% | 0.08% | −0.01 |
| CRM Salesforce Inc. | Reduce -0.3% | 0.04% | −0.01 |
| BAC Bank of America Corp. | Reduce -1.0% | 0.31% | −0.01 |
| XLU St Sr Utl SL SE SPDR ETF-Usd | Reduce -2.7% | 0.14% | −0.01 |
| RSPH Invesco S&P 500 Equal Weight | Reduce -4.2% | 0.07% | −0.01 |
Portfolio Buys Q2 2025 → Q3 2025
| GOOGL Alphabet Inc. Class A | Add +1.1% | 2.24% | +0.44 |
| NVDA Nvidia Corp. | Add +3.2% | 3.33% | +0.28 |
| ORCL Oracle Corp. | Add +239.9% | 0.30% | +0.22 |
| ZALT Innovator US Eq 10 Buffer | Add +21.2% | 1.66% | +0.18 |
| GOOG Alphabet Inc. Class C | Add +0.5% | 0.93% | +0.18 |
| BALT Inn Defined Wealth Shield | Add +21.1% | 1.75% | +0.17 |
| VXUS Vanguard Total Intl Stock | Add +191.3% | 0.21% | +0.14 |
| BSCR Invesco Bulletshares 2027 CB | Add +49.8% | 0.53% | +0.14 |
| PJUL Innovator U.S. Equity Power | Add +38.4% | 0.53% | +0.12 |
| VBIL Vanguard 0-3M T-Bill ETF | Add +48.1% | 0.47% | +0.12 |
| FHEQ Fidelity Hedged Equity ETF | New | 0.11% | +0.11 |
| VCRB Vanguard Core Bond ETF | New | 0.11% | +0.11 |
| VOO Vanguard S&P 500 ETF | Add +11.2% | 1.45% | +0.10 |
| AVGO Broadcom Inc. | Add +1.0% | 1.10% | +0.08 |
| SCHF Schwab Intl Equity ETF | Add +14.3% | 1.06% | +0.08 |
| VTC Vanguard Total Corporate BND | New | 0.07% | +0.07 |
| DGRW Wisdomtree U.S. Quality Divi | Add +8.3% | 2.23% | +0.06 |
| VGMS Vanguard Multi-Sector | New | 0.06% | +0.06 |
| PSEP Innovator U.S. Equity Power | Add +191.3% | 0.10% | +0.06 |
| BSCQ Invesco Bulletshares 2026 CB | Add +25.8% | 0.53% | +0.06 |
| MRVL Marvell Technology Inc. | Add +22.8% | 0.35% | +0.06 |
| BINC iShares Flex I A ETF-Usd Inc. | New | 0.06% | +0.06 |
| FBCG Fidelity Blue Chip Grow ETF | Add +13.0% | 0.44% | +0.05 |
| PLTR Palantir Technologies Inc. Class A | Add +7.4% | 0.21% | +0.05 |
| MFSM MFS Active Inter Muni Bond | New | 0.05% | +0.05 |
| FETH Fidelity Ethereum Fund | New | 0.04% | +0.04 |
| ABBV Abbvie Inc. | Add +2.9% | 0.31% | +0.04 |
| AMD Advanced Micro Devices | New | 0.04% | +0.04 |
| GLW Corning Inc. | New | 0.04% | +0.04 |
| DDTS Innv Eqty DD 10 Buf ETF-Sep | New | 0.03% | +0.03 |
| JBBB Janus Henderson B-BBB Clo Et | New | 0.03% | +0.03 |
| NOC Northrop Grumman Corp. | New | 0.03% | +0.03 |
| TQQQ Proshares Ultrapro QQQ | New | 0.03% | +0.03 |
| BAUG Innovator U.S. Equity Buffer | Add +45.5% | 0.11% | +0.03 |
| BSJR Invesco Bulletshares 2027 HY | New | 0.03% | +0.03 |
| CFG Citizens Financial Group | New | 0.03% | +0.03 |
| RDDT Reddit Inc. Class A | New | 0.03% | +0.03 |
| MFSV MFS Active Value | New | 0.03% | +0.03 |
| VTI VG Morningstar TS MKT ETF-US | Add +15.7% | 0.28% | +0.03 |
| WEC WEC Energy Group Inc. | New | 0.03% | +0.03 |
| MS Morgan Stanley | New | 0.03% | +0.03 |
| PSX Phillips 66 | New | 0.03% | +0.03 |
| GLD SPDR Gold Shares | Add +4.1% | 0.33% | +0.03 |
| CAT Caterpillar Inc. | Add +0.7% | 0.23% | +0.02 |
| VYMI Vanguard Int High DVD YLD Inc. | Add +9.8% | 0.58% | +0.02 |
| CGNG Cap Group New Geography Eq | Add +10.5% | 0.37% | +0.02 |
| IVE iShares S&P 500 Value ETF | Add +16.1% | 0.23% | +0.02 |
| PYLD PIMCO Multisector Bond Actv | Add +36.2% | 0.11% | +0.02 |
| JNJ Johnson & Johnson | Add +1.2% | 0.21% | +0.02 |
| FBND Fidelity Total Bond ETF | Add +13.3% | 0.76% | +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 |