CRA Financial Services, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 16, 2026), CRA Financial Services, LLC reported 292 stock positions worth $764.2 million. Its top holding was Apple (AAPL) at 7.2% of the portfolio, followed by Schwab US Large-Cap Growth (SCHG, 4.3%) and Schwab US DVD Equity ETF (SCHD, 4.2%). Compared with Q3 2025, it opened 14 new positions, sold out of 16, added to 125 and reduced 101. The biggest buy was VG Morningstar TS MKT ETF-US (VTI, shares +680%) and the biggest sale Vngrd Mrngstr MD-Cap ETF-Usd (VO, shares −27%).
- Most Recent 13F
- Q2 2026
- Location
- NORTHFIELD, NJ
- CIK
- 0001765594
- Portfolio Value
- $764.2M (Q4 2025)
- SEC Filing
- 0001765594-26-000001 ↗ filed Jan 16, 2026
Holdings Value
Holdings 292 stocks · $764.2M
| AAPL Apple Inc. | 7.18% | 201,819 | $54.9M | Reduce -0.4% |
| SCHG Schwab US Large-Cap Growth | 4.31% | 1,010,795 | $33.0M | Reduce -3.2% |
| SCHD Schwab US DVD Equity ETF | 4.22% | 1,175,074 | $32.2M | Reduce -2.8% |
| AMZN Amazon.com Inc. | 4.09% | 135,250 | $31.2M | Reduce -0.2% |
| QQQ Invesco QQQ Trust Series 1 | 3.44% | 42,735 | $26.3M | Add +1.1% |
| NVDA Nvidia Corp. | 3.20% | 131,274 | $24.5M | Add +0.7% |
| GOOGL Alphabet Inc. Class A | 2.78% | 67,949 | $21.3M | Add +0.9% |
| IVV iShares Core S&P 500 ETF | 2.61% | 29,163 | $20.0M | Add +1.3% |
| MSFT Microsoft Corp. | 2.61% | 41,257 | $20.0M | Add +0.5% |
| VIG Vanguard Dividend Apprec ETF | 2.31% | 80,169 | $17.6M | Reduce -1.3% |
| DGRW Wisdomtree U.S. Quality Divi | 2.26% | 193,134 | $17.3M | Add +5.6% |
| VTI VG Morningstar TS MKT ETF-US | 2.13% | 48,576 | $16.3M | Add +680.0% |
| BALT Inn Defined Wealth Shield | 1.87% | 426,872 | $14.3M | Add +9.6% |
| SPY SS SPDR S&P 500 ETF Trust-US | 1.87% | 20,918 | $14.3M | Add +3.4% |
| SDY SS SPDR S&P Dividend ETF | 1.81% | 99,184 | $13.8M | Reduce -1.5% |
| VB Vanguard Most SM-Cap ETF-Usd | 1.75% | 51,887 | $13.4M | Reduce -18.0% |
| ZALT Innovator US Eq 10 Buffer | 1.69% | 396,346 | $12.9M | Add +4.3% |
| META Meta Platforms Inc. Class A | 1.30% | 15,082 | $10.0M | Add +3.3% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.29% | 34,015 | $9.9M | Reduce -26.5% |
| GOOG Alphabet Inc. Class C | 1.15% | 27,910 | $8.8M | Reduce -0.1% |
| AVGO Broadcom Inc. | 1.12% | 24,686 | $8.5M | Add +1.7% |
| SCHF Schwab Intl Equity ETF | 1.06% | 338,257 | $8.1M | Add +1.2% |
| VOO Vanguard S&P 500 ETF | 0.93% | 11,371 | $7.1M | Reduce -34.4% |
| VYMI Vanguard Int High DVD YLD Inc. | 0.93% | 78,804 | $7.1M | Add +56.8% |
| JPST JPMorgan Ultra-Short Income | 0.85% | 127,955 | $6.5M | Add +8.2% |
| FBND Fidelity Total Bond ETF | 0.83% | 137,289 | $6.3M | Add +14.0% |
| PDEC Innovator U.S. Equity Power | 0.77% | 135,214 | $5.9M | Reduce -17.4% |
| V Visa Inc. Class A | 0.75% | 16,316 | $5.7M | Add +0.7% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.75% | 11,350 | $5.7M | Add +0.5% |
| RSP Invesco S&P 500 Equal Weight | 0.74% | 29,325 | $5.6M | Add +1.7% |
| IVVM Ishar LC MD Qur LD ETF-US Inc. | 0.73% | 161,434 | $5.6M | Add +0.9% |
| HD Home Depot Inc. | 0.72% | 16,024 | $5.5M | Reduce -2.9% |
| JAAA Janus Henderson Aaa Clo ETF | 0.61% | 92,403 | $4.7M | Add +4.3% |
| IJH iShares Core S&P Midcap ETF | 0.60% | 69,447 | $4.6M | Reduce -2.9% |
| IWF iShares Russell 1000 Growth | 0.58% | 9,335 | $4.4M | Add +2.8% |
| LLY Eli Lilly & Co. | 0.56% | 3,996 | $4.3M | Add +0.3% |
| SCHB Schwab US Broad Market ETF | 0.56% | 163,378 | $4.3M | Add +3.2% |
| XOM Exxon Mobil Corp. | 0.56% | 35,493 | $4.3M | Add +0.4% |
| VCIT Vanguard Int-Term Corporate | 0.54% | 49,493 | $4.1M | Add +5.1% |
| PNOV Innovator U.S. Equity Power | 0.54% | 99,207 | $4.1M | Add +116.3% |
| BSCQ Invesco Bulletshares 2026 CB | 0.53% | 208,494 | $4.1M | Add +5.1% |
| PJUL Innovator U.S. Equity Power | 0.52% | 85,253 | $4.0M | No change |
| MA Mastercard Inc. Class A | 0.51% | 6,814 | $3.9M | Add +0.1% |
| AVLV Avantis US Large Cap Value | 0.51% | 51,333 | $3.9M | Add +22.7% |
| BSCR Invesco Bulletshares 2027 CB | 0.51% | 196,453 | $3.9M | Reduce 0.0% |
| JPM JPMorgan Chase & Co. | 0.49% | 11,664 | $3.8M | Add +0.3% |
| FBCG Fidelity Blue Chip Grow ETF | 0.46% | 63,864 | $3.5M | Add +6.8% |
| VBIL Vanguard 0-3M T-Bill ETF | 0.45% | 45,432 | $3.4M | Add +0.5% |
| PJAN Innovator U.S. Equity Power | 0.44% | 71,903 | $3.4M | Reduce -2.7% |
| POCT Innovator U.S. Equity Power | 0.42% | 73,085 | $3.2M | Add +97.5% |
| ORCL Oracle Corp. | 0.41% | 15,988 | $3.1M | Add +104.0% |
| TSLA Tesla Inc. | 0.40% | 6,786 | $3.1M | Add +0.6% |
| HDV iShares Core High Dividend E | 0.40% | 25,038 | $3.0M | Reduce -0.2% |
| PAPR Innovator U.S. Equity Power | 0.39% | 76,814 | $3.0M | Reduce -3.1% |
| CGNG Cap Group New Geography Eq filed as CAPITAL GROUP NEW GEOGRAPHY | 0.38% | 91,123 | $2.9M | Add +4.5% |
| GLD SPDR Gold Shares | 0.38% | 7,320 | $2.9M | Add +8.8% |
| PAUG Innovator U.S. Equity Power | 0.38% | 66,810 | $2.9M | No change |
| TBUX T Rowe Price Ultra Short-Ter | 0.37% | 57,298 | $2.9M | Add +40.8% |
| TCAF T Rowe PRC Cap Appreciation | 0.36% | 72,934 | $2.8M | Add +9.7% |
| DLN Wisdomtree US Largecap Divid | 0.36% | 31,226 | $2.8M | Reduce -0.2% |
| CVX Chevron Corp. | 0.35% | 17,756 | $2.7M | Add +2.7% |
| IJR iShares Core S&P Small-Cap E | 0.34% | 21,899 | $2.6M | Reduce -4.2% |
| ONEQ Fidelity Nasdaq Comp Indx | 0.34% | 28,448 | $2.6M | Reduce -0.8% |
| BSCS Invesco Bulletshares 2028 CB | 0.34% | 124,651 | $2.6M | Add +6.2% |
| MRVL Marvell Technology Inc. | 0.33% | 29,572 | $2.5M | Reduce -4.0% |
| NFLX Netflix Inc. | 0.32% | 26,111 | $2.4M | Add +0.8% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.32% | 44,448 | $2.4M | Add +0.5% |
| SCHM Schwab US Mid Cap ETF | 0.31% | 79,109 | $2.4M | Reduce -3.4% |
| PMAR Innovator U.S. Equity Power | 0.31% | 52,392 | $2.4M | Reduce -11.3% |
| NEE Nextera Energy Inc. | 0.31% | 29,313 | $2.4M | Reduce -0.9% |
| FBTC Fidelity Wise Origin Bitcoin | 0.28% | 28,505 | $2.2M | Add +32.1% |
| VXUS Vanguard Total Intl Stock | 0.28% | 28,694 | $2.2M | Add +34.1% |
| VGT Vanguard Info Tech ETF | 0.28% | 2,797 | $2.1M | Add +2.1% |
| ABBV Abbvie Inc. | 0.27% | 9,173 | $2.1M | Reduce -4.8% |
| CAT Caterpillar Inc. | 0.26% | 3,483 | $2.0M | Add +0.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.26% | 4,088 | $2.0M | Reduce -2.1% |
| AVUV Avantis US Small Cap Value | 0.26% | 19,199 | $2.0M | Reduce -2.6% |
| VCRM Vanguard Core Tax-Ex Bond | 0.25% | 24,885 | $1.9M | No change |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.25% | 16,474 | $1.9M | Reduce -1.4% |
| VIOO Vanguard S&P Small-Cap 600 E | 0.25% | 16,882 | $1.9M | Add +0.0% |
| IVE iShares S&P 500 Value ETF | 0.23% | 8,434 | $1.8M | Add +2.0% |
| WMT Walmart Inc. | 0.23% | 15,916 | $1.8M | Add +0.3% |
| JNJ Johnson & Johnson | 0.23% | 8,348 | $1.7M | Add +0.3% |
| VYM Vanguard High DVD Yield ETF | 0.22% | 11,686 | $1.7M | Add +5.5% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.22% | 8,739 | $1.7M | Reduce -2.3% |
| SCHA Schwab US Small-Cap ETF | 0.22% | 57,867 | $1.6M | Reduce -13.0% |
| QQQM Invesco Nasdaq 100 ETF | 0.21% | 6,370 | $1.6M | Reduce -1.0% |
| DVY iShares Select Dividend ETF | 0.21% | 11,383 | $1.6M | Add +6.9% |
| PANW Palo Alto Networks Inc. | 0.20% | 8,321 | $1.5M | Add +0.2% |
| GBTC Grayscale Bitcoin Trust ETF | 0.20% | 22,305 | $1.5M | Reduce -6.5% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.20% | 2 | $1.5M | No change |
| CRWD CrowdStrike Holdings Inc. Class A | 0.19% | 3,112 | $1.5M | Add +0.4% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.19% | 4,892 | $1.4M | Add +2.0% |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 0.19% | 2,963 | $1.4M | Reduce -6.9% |
| DGRO iShares Core Dividend Growth | 0.19% | 20,421 | $1.4M | Reduce -3.6% |
| BSCT Invesco Bulletshares 2029 CB | 0.19% | 75,223 | $1.4M | Add +9.3% |
| COST Costco Wholesale Corp. | 0.18% | 1,607 | $1.4M | Reduce -4.7% |
| PLTR Palantir Technologies Inc. Class A | 0.18% | 7,775 | $1.4M | Reduce -8.4% |
| VSDM Vanguard Short Tax-Ex Bond | 0.18% | 17,743 | $1.4M | No change |
| PG The Procter & Gamble Co. | 0.18% | 9,437 | $1.4M | Reduce -12.3% |
Portfolio Sells Q3 2025 → Q4 2025
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -26.5% | 1.29% | −0.57 |
| VOO Vanguard S&P 500 ETF | Reduce -34.4% | 0.93% | −0.52 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -18.0% | 1.75% | −0.45 |
| BSCP Invesco Bulletshares 2025 CB | Sold out | 0.00% | −0.35 |
| SCHD Schwab US DVD Equity ETF | Reduce -2.8% | 4.22% | −0.30 |
| SCHG Schwab US Large-Cap Growth | Reduce -3.2% | 4.31% | −0.24 |
| HD Home Depot Inc. | Reduce -2.9% | 0.72% | −0.19 |
| PDEC Innovator U.S. Equity Power | Reduce -17.4% | 0.77% | −0.17 |
| SDY SS SPDR S&P Dividend ETF | Reduce -1.5% | 1.81% | −0.12 |
| BSJP Invesco Bulletshares 2025 HY | Sold out | 0.00% | −0.12 |
| GBTC Grayscale Bitcoin Trust ETF | Reduce -6.5% | 0.20% | −0.09 |
| VIG Vanguard Dividend Apprec ETF | Reduce -1.3% | 2.31% | −0.09 |
| FISV Fiserv Inc. | Sold out | 0.00% | −0.05 |
| PG The Procter & Gamble Co. | Reduce -12.3% | 0.18% | −0.05 |
| PMAR Innovator U.S. Equity Power | Reduce -11.3% | 0.31% | −0.05 |
| PAYX Paychex Inc. | Sold out | 0.00% | −0.04 |
| IJH iShares Core S&P Midcap ETF | Reduce -2.9% | 0.60% | −0.04 |
| JAVA JPMorgan Active Value ETF | Sold out | 0.00% | −0.04 |
| SCHA Schwab US Small-Cap ETF | Reduce -13.0% | 0.22% | −0.04 |
| VZ Verizon Communications Inc. | Sold out | 0.00% | −0.04 |
| CMCSA Comcast Corp. Class A | Sold out | 0.00% | −0.04 |
| ISRG Intuitive Surgical Inc. | Sold out | 0.00% | −0.03 |
| DDTS Innv Eqty DD 10 Buf ETF-Sep | Sold out | 0.00% | −0.03 |
| BTC Grayscale Bitcoin Mini ETF | Sold out | 0.00% | −0.03 |
| COST Costco Wholesale Corp. | Reduce -4.7% | 0.18% | −0.03 |
| LOW Lowe's Cos Inc. | Reduce -31.0% | 0.06% | −0.03 |
| BSJR Invesco Bulletshares 2027 HY | Sold out | 0.00% | −0.03 |
| ABBV Abbvie Inc. | Reduce -4.8% | 0.27% | −0.03 |
| PLTR Palantir Technologies Inc. Class A | Reduce -8.4% | 0.18% | −0.03 |
| UNOV Innovator U.S. Equity Ultra | Sold out | 0.00% | −0.03 |
| SYK Stryker Corp. | Sold out | 0.00% | −0.03 |
| NVS Novartis AG-Sponsored ADR | Sold out | 0.00% | −0.03 |
| WEC WEC Energy Group Inc. | Sold out | 0.00% | −0.03 |
| PSX Phillips 66 | Sold out | 0.00% | −0.03 |
| IJR iShares Core S&P Small-Cap E | Reduce -4.2% | 0.34% | −0.03 |
| MRVL Marvell Technology Inc. | Reduce -4.0% | 0.33% | −0.03 |
| COIN Coinbase Global Inc. Class A | Reduce -10.9% | 0.03% | −0.02 |
| UBER Uber Technologies Inc. | Reduce -0.9% | 0.09% | −0.02 |
| ETHE Grayscale Ethereum Staking E | Reduce -6.1% | 0.04% | −0.02 |
| PAPR Innovator U.S. Equity Power | Reduce -3.1% | 0.39% | −0.02 |
| BSCR Invesco Bulletshares 2027 CB | Reduce 0.0% | 0.51% | −0.02 |
| HDV iShares Core High Dividend E | Reduce -0.2% | 0.40% | −0.02 |
| ABT Abbott Laboratories | Reduce -11.6% | 0.08% | −0.02 |
| SCHM Schwab US Mid Cap ETF | Reduce -3.4% | 0.31% | −0.02 |
| VNQ Vanguard Real Estate ETF | Reduce -3.7% | 0.17% | −0.02 |
| PJAN Innovator U.S. Equity Power | Reduce -2.7% | 0.44% | −0.02 |
| HON Honeywell International Inc. | Reduce -7.8% | 0.09% | −0.02 |
| UNH Unitedhealth Group Inc. | Reduce -7.0% | 0.10% | −0.02 |
| DIS The Walt Disney Co. | Reduce -1.4% | 0.25% | −0.02 |
| PEP Pepsico Inc. | Reduce -10.0% | 0.12% | −0.02 |
Portfolio Buys Q3 2025 → Q4 2025
| VTI VG Morningstar TS MKT ETF-US | Add +680.0% | 2.13% | +1.85 |
| GOOGL Alphabet Inc. Class A | Add +0.9% | 2.78% | +0.54 |
| VYMI Vanguard Int High DVD YLD Inc. | Add +56.8% | 0.93% | +0.35 |
| PNOV Innovator U.S. Equity Power | Add +116.3% | 0.54% | +0.28 |
| POCT Innovator U.S. Equity Power | Add +97.5% | 0.42% | +0.20 |
| LLY Eli Lilly & Co. | Add +0.3% | 0.56% | +0.15 |
| BALT Inn Defined Wealth Shield | Add +9.6% | 1.87% | +0.12 |
| ORCL Oracle Corp. | Add +104.0% | 0.41% | +0.11 |
| FENI Fidelity Enhanced Intl ETF | New | 0.10% | +0.10 |
| TBUX T Rowe Price Ultra Short-Ter | Add +40.8% | 0.37% | +0.10 |
| AVLV Avantis US Large Cap Value | Add +22.7% | 0.51% | +0.10 |
| DDTO Innovator Edd 10 Buff Oct | New | 0.08% | +0.08 |
| FQAL Fidelity Quality Factor ETF | New | 0.08% | +0.08 |
| JEPQ JPM Nasdaq Equity Premium | New | 0.07% | +0.07 |
| VUSV Vanguard Wellingt US Va ETF | New | 0.07% | +0.07 |
| VXUS Vanguard Total Intl Stock | Add +34.1% | 0.28% | +0.07 |
| FBND Fidelity Total Bond ETF | Add +14.0% | 0.83% | +0.07 |
| VCRB Vanguard Core Bond ETF | Add +67.3% | 0.17% | +0.06 |
| BINC iShares Flex I A ETF-Usd Inc. | Add +104.5% | 0.11% | +0.05 |
| GLD SPDR Gold Shares | Add +8.8% | 0.38% | +0.05 |
| PYLD PIMCO Multisector Bond Actv | Add +55.7% | 0.16% | +0.05 |
| VXF Vanguard Extended Market ETF | New | 0.05% | +0.05 |
| VCSH Vanguard S/T Corp. Bond ETF | New | 0.05% | +0.05 |
| NOCT Innovator Growth-100 Power B | Add +64.5% | 0.13% | +0.05 |
| DGRW Wisdomtree U.S. Quality Divi | Add +5.6% | 2.26% | +0.03 |
| CAT Caterpillar Inc. | Add +0.3% | 0.26% | +0.03 |
| VEA Vanguard Ftse Developed ETF | Add +60.2% | 0.09% | +0.03 |
| JEPI JPMorgan Equity Premium Inco | Add +55.9% | 0.10% | +0.03 |
| ZALT Innovator US Eq 10 Buffer | Add +4.3% | 1.69% | +0.03 |
| TFI SS SPDR N Ice Muni Bond ETF | New | 0.03% | +0.03 |
| FHEQ Fidelity Hedged Equity ETF | Add +33.2% | 0.14% | +0.03 |
| C Citigroup Inc. | New | 0.03% | +0.03 |
| CRWV Coreweave Inc. Class A | New | 0.03% | +0.03 |
| FESM Fidelity Enhanced Small Cap | New | 0.03% | +0.03 |
| IEMG iShares Core MSCI Emerging | New | 0.03% | +0.03 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | New | 0.03% | +0.03 |
| JPST JPMorgan Ultra-Short Income | Add +8.2% | 0.85% | +0.03 |
| DDFS Innovato Equ Du Di 15 Bu ETF | New | 0.03% | +0.03 |
| MU Micron Technology Inc. | Add +1.4% | 0.07% | +0.03 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +3.4% | 1.87% | +0.02 |
| AVGO Broadcom Inc. | Add +1.7% | 1.12% | +0.02 |
| TCAF T Rowe PRC Cap Appreciation | Add +9.7% | 0.36% | +0.02 |
| AMD Advanced Micro Devices | Add +19.5% | 0.06% | +0.02 |
| FBCG Fidelity Blue Chip Grow ETF | Add +6.8% | 0.46% | +0.02 |
| JNJ Johnson & Johnson | Add +0.3% | 0.23% | +0.01 |
| XOM Exxon Mobil Corp. | Add +0.4% | 0.56% | +0.01 |
| PNC PNC Financial Services Group | Add +41.2% | 0.05% | +0.01 |
| TD Toronto-Dominion Bank | Add +0.5% | 0.11% | +0.01 |
| RTX RTX Corp. | Add +5.5% | 0.13% | +0.01 |
| CGNG Cap Group New Geography Eq | Add +4.5% | 0.38% | +0.01 |
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 |