CWS Financial Advisors, LLC

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 6, 2026), CWS Financial Advisors, LLC reported 150 stock positions worth $368.3 million. Its top holding was Stryker (SYK) at 24.1% of the portfolio, followed by Vanguard S&P 500 ETF (VOO, 7.5%) and iShares Core S&P Small-Cap E (IJR, 5.6%). Compared with Q3 2025, it opened 14 new positions, sold out of 4, added to 79 and reduced 36. The biggest buy was Dimensional US Eq MKT ETF (DFUS, shares +365%) and the biggest sale Stryker (SYK, shares −1%).

Most Recent 13F
Q2 2026
Location
KALAMAZOO, MI
CIK
0001802459
Portfolio Value
$368.3M (Q4 2025)
SEC Filing
0001104659-26-011365 ↗ filed Feb 6, 2026

Holdings Value

0$100.0M$200.0M$300.0M$400.0M$500.0M Q1 2024: $244.1M Q1 2024 Q2 2024: $254.2M Q2 2024 Q3 2024: $282.3M Q3 2024 Q4 2024: $308.9M Q4 2024 Q1 2025: $316.7M Q1 2025 Q2 2025: $343.7M Q2 2025 Q3 2025: $360.3M Q3 2025 Q4 2025: $368.3M $368.3M Q4 2025 Q1 2026: $390.3M Q1 2026 Q2 2026: $450.6M Q2 2026

Holdings 150 stocks · $368.3M
SYK Stryker Corp. 24.06% 252,176 $88.6M Reduce -0.8%
VOO Vanguard S&P 500 ETF 7.52% 44,193 $27.7M Reduce -2.3%
IJR iShares Core S&P Small-Cap E 5.56% 170,351 $20.5M Reduce -1.8%
AAPL Apple Inc. 4.65% 63,058 $17.1M Reduce -3.0%
VXUS Vanguard Total Intl Stock 3.95% 192,667 $14.5M Add +2.2%
VUG Vanguard Mrngstar GR ETF-Sui 3.43% 25,878 $12.6M Reduce -0.5%
VIG Vanguard Dividend Apprec ETF 3.26% 54,630 $12.0M Reduce -0.3%
VTV Vanguard Mrngstr Val ETF-Aui 3.10% 59,763 $11.4M Add +1.1%
VTI VG Morningstar TS MKT ETF-US 3.05% 33,541 $11.2M Reduce -1.9%
QQQ Invesco QQQ Trust Series 1 2.70% 16,200 $10.0M Add +0.2%
MSFT Microsoft Corp. 2.37% 18,016 $8.7M Reduce -0.0%
CGGR Cap Group Growth Equity 1.52% 125,820 $5.6M Add +2.8%
VB Vanguard Most SM-Cap ETF-Usd 1.18% 16,863 $4.3M Reduce -1.7%
SPY SS SPDR S&P 500 ETF Trust-US 1.09% 5,896 $4.0M Reduce -0.4%
VGSH Vanguard Short-Term Treasury 1.03% 64,626 $3.8M Add +14.0%
CGBL Cap Group Core Balanced filed as CAPITAL GROUP CORE BALANCED 1.03% 107,249 $3.8M Add +8.5%
IVV iShares Core S&P 500 ETF 0.93% 5,003 $3.4M Reduce -0.3%
IEFA iShares Core MSCI Eafe ETF 0.89% 36,572 $3.3M Add +0.7%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.85% 10,769 $3.1M Add +2.1%
SCHD Schwab US DVD Equity ETF 0.78% 104,151 $2.9M Add +2.3%
VXF Vanguard Extended Market ETF 0.77% 13,483 $2.8M Reduce -12.0%
DFUS Dimensional US Eq MKT ETF 0.73% 36,074 $2.7M Add +365.1%
WMT Walmart Inc. 0.71% 23,557 $2.6M Add +0.7%
VUSB Vanguard Ultra Short Bond Et 0.64% 46,932 $2.3M Add +6.8%
VGT Vanguard Info Tech ETF 0.60% 2,946 $2.2M Add +0.1%
MCD McDonald's Corp. 0.60% 7,183 $2.2M Add +2.8%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.59% 7,392 $2.2M Reduce -0.1%
CGXU Cap Group Intl Focus filed as CAPITAL GROUP INTL FOCUS EQT 0.58% 71,861 $2.1M Add +7.2%
MDY State Street SPDR S&P Midcap 0.54% 3,313 $2.0M Add +0.3%
CGDG Cap Group Dividend Growers filed as CAPITAL GROUP DIVIDEND GROWE 0.50% 51,886 $1.8M Add +9.2%
CGCB Cap Group Core Bond 0.50% 68,892 $1.8M Add +124.0%
VGIT Vanguard Intermediate-Term T 0.48% 29,265 $1.8M Add +12.7%
CGCV Cap Group Conservative Eq filed as CAPITAL GROUP CONSERVATIVE E 0.46% 55,349 $1.7M Add +4.8%
PG The Procter & Gamble Co. 0.46% 11,730 $1.7M Add +1.4%
GOOGL Alphabet Inc. Class A 0.45% 5,240 $1.6M Reduce -4.9%
VIGI Vanguard Int Div App Indx FD 0.44% 17,890 $1.6M Reduce -3.3%
CGUS Cap Group Core Equity filed as CAPITAL GROUP CORE EQUITY ET 0.43% 39,595 $1.6M Reduce -3.1%
AMZN Amazon.com Inc. 0.43% 6,819 $1.6M Reduce -4.2%
PEP Pepsico Inc. 0.41% 10,627 $1.5M Reduce -1.8%
JPM JPMorgan Chase & Co. 0.40% 4,597 $1.5M Add +0.0%
IJH iShares Core S&P Midcap ETF 0.39% 21,998 $1.5M Add +0.3%
SO The Southern Co. 0.38% 15,907 $1.4M Add +11.4%
PM Philip Morris International 0.35% 7,948 $1.3M Reduce -7.5%
XOM Exxon Mobil Corp. 0.34% 10,435 $1.3M Reduce -6.3%
HD Home Depot Inc. 0.32% 3,463 $1.2M Add +11.3%
VCSH Vanguard S/T Corp. Bond ETF 0.32% 14,894 $1.2M Add +291.4%
CGDV Cap Group Dividend Value filed as CAPITAL GROUP DIVIDEND VALUE 0.31% 26,559 $1.2M Add +4.5%
ABBV Abbvie Inc. 0.31% 5,002 $1.1M Add +0.3%
CVX Chevron Corp. 0.30% 7,363 $1.1M Add +0.9%
CSCO Cisco Systems Inc. 0.30% 14,529 $1.1M Add +8.3%
LMT Lockheed Martin Corp. 0.28% 2,146 $1.0M Add +16.8%
VOOG Vanguard S&P 500 Growth ETF 0.27% 2,270 $1.0M Add +1.6%
BRK.B Berkshire Hathaway Inc. Class B 0.27% 1,982 $996K Reduce -1.1%
DFAS Dimensional US Small Cap ETF 0.26% 13,566 $945K Add +3.9%
PGR Progressive Corp. 0.25% 4,099 $933K Add +8.4%
IEMG iShares Core MSCI Emerging 0.24% 13,145 $884K Add +1.1%
MO Altria Group Inc. 0.24% 15,098 $871K Reduce -2.1%
LIN Linde PLC 0.23% 1,999 $852K Add +17.9%
PH Parker Hannifin Corp. 0.23% 962 $846K No change
MA Mastercard Inc. Class A 0.23% 1,456 $831K Add +9.4%
JNJ Johnson & Johnson 0.22% 3,963 $820K Add +14.0%
GLD SPDR Gold Shares 0.22% 2,027 $803K Reduce -14.9%
ADI Analog Devices Inc. 0.22% 2,948 $800K Add +29.0%
GOOG Alphabet Inc. Class C 0.22% 2,548 $800K Add +0.0%
FAST Fastenal Co. 0.21% 19,672 $789K Add +10.9%
ABT Abbott Laboratories 0.21% 6,154 $771K Reduce -4.0%
CGCP Cap Group Core Plus Income 0.21% 33,753 $764K Add +1.7%
BND Vanguard Total Bond Market 0.20% 9,930 $735K Add +28.8%
CB Chubb Ltd. 0.20% 2,348 $733K Add +32.3%
SNA Snap-on Inc. 0.20% 2,085 $719K Add +39.5%
IVW iShares S&P 500 Growth ETF 0.19% 5,725 $706K Add +0.0%
SMH Vaneck Semiconductor ETF 0.19% 1,926 $694K Add +0.3%
VEA Vanguard Ftse Developed ETF 0.19% 11,063 $691K Add +17.1%
BR Broadridge Financial Solutio 0.18% 3,053 $681K Add +11.6%
ETR Entergy Corp. 0.18% 7,165 $662K Add +13.4%
PAYX Paychex Inc. 0.18% 5,790 $650K Add +25.1%
META Meta Platforms Inc. Class A 0.17% 969 $640K No change
NEE Nextera Energy Inc. 0.17% 7,956 $639K Reduce -0.7%
DFAI Dimensional International Co. 0.17% 16,354 $623K New
SUSA iShares ESG Optimized MSCI U 0.17% 4,461 $622K Add +0.2%
VZ Verizon Communications Inc. 0.16% 14,891 $607K Add +1.7%
GD General Dynamics Corp. 0.16% 1,778 $599K Add +11.8%
WEC WEC Energy Group Inc. 0.16% 5,651 $596K Add +34.7%
KO The Coca-Cola Co. 0.16% 8,436 $590K Add +9.6%
CAT Caterpillar Inc. 0.16% 1,004 $575K No change
IVE iShares S&P 500 Value ETF 0.16% 2,703 $573K Add +0.1%
GGG Graco Inc. 0.15% 6,829 $560K Add +24.2%
NTRS Northern Trust Corp. 0.15% 3,920 $535K Add +40.0%
LLY Eli Lilly & Co. 0.14% 493 $530K Reduce -9.0%
EW Edwards Lifesciences Corp. 0.14% 6,000 $512K No change
CIVB Civista Bancshares Inc. 0.14% 22,877 $508K No change
CL Colgate-Palmolive Co. 0.14% 6,308 $498K Add +32.7%
DCOR Dimensional US Core Eq 1 ETF 0.13% 6,599 $486K Add +0.1%
AMGN Amgen Inc. 0.13% 1,484 $486K No change
GILD Gilead Sciences Inc. 0.13% 3,904 $479K Add +22.4%
COST Costco Wholesale Corp. 0.13% 545 $470K No change
SBUX Starbucks Corp. 0.13% 5,550 $467K Add +10.5%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.13% 4,099 $466K Reduce -1.9%
T AT&T Inc. 0.12% 18,170 $451K Reduce -6.0%
ITW Illinois Tool Works 0.12% 1,820 $448K Add +10.1%
MLM Martin Marietta Materials 0.12% 719 $448K No change
KMI Kinder Morgan Inc. 0.12% 16,064 $442K Add +17.3%
FNF Fidelity National Financial 0.11% 7,687 $420K Add +31.7%
MS Morgan Stanley 0.11% 2,207 $392K Add +1.1%
PFE Pfizer Inc. 0.11% 15,726 $392K Reduce -0.9%
QUAL iShares MSCI USA Quality Fac 0.10% 1,920 $381K No change
DUK Duke Energy Corp. 0.10% 3,153 $370K Reduce -1.5%
IWD iShares Russell 1000 Value E 0.10% 1,735 $365K Reduce -3.5%
COP Conocophillips 0.10% 3,844 $360K Reduce -2.4%
ZTS Zoetis Inc. 0.09% 2,679 $337K Reduce -8.6%
SCHW Schwab (charles) Corp. 0.09% 3,367 $336K Add +0.2%
NFLX Netflix Inc. 0.09% 3,500 $328K No change
ESML iShares ESG Aware MSCI USA S 0.08% 6,767 $311K Add +0.2%
BA The Boeing Co. 0.08% 1,432 $311K No change
NXPI NXP Semiconductors NV 0.08% 1,402 $304K No change
ARCC Ares Capital Corp. 0.08% 14,374 $291K Add +31.6%
LNT Alliant Energy Corp. 0.08% 4,444 $289K Add +0.2%
ORCL Oracle Corp. 0.08% 1,480 $288K No change
RTX RTX Corp. 0.08% 1,561 $286K Add +9.3%
AVGO Broadcom Inc. 0.08% 826 $286K No change
MMM 3M Co. 0.08% 1,778 $285K No change
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.08% 1,846 $284K Add +23.5%
DFIV Dimensional International Va 0.08% 5,651 $282K New
IGRO iShares Intl Div Growth ETF 0.08% 3,359 $278K Add +0.1%
LHX L3HARRIS Technologies Inc. 0.07% 907 $266K No change
WRB WR Berkley Corp. filed as BERKLEY W R CORP 0.07% 3,758 $264K New
UPS United Parcel Service Class B 0.07% 2,615 $259K New
ESGD iShares Trust iShares ESG Aw 0.07% 2,726 $259K Add +2.0%
VCRB Vanguard Core Bond ETF 0.07% 3,317 $258K Add +17.9%
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.07% 4,696 $258K Add +0.4%
NVDA Nvidia Corp. 0.07% 1,327 $247K Reduce -35.2%
BDX Becton Dickinson and Co. 0.07% 1,273 $247K Add +14.3%
USB US Bancorp 0.07% 4,529 $242K New
BSV Vanguard Short-Term Bond ETF 0.07% 3,063 $241K New
SPGI S&P Global Inc. 0.07% 460 $240K New
APD Air Products & Chemicals Inc. 0.07% 970 $240K Add +22.6%
USMV iShares MSCI USA Min Vol Fac 0.06% 2,518 $237K New
NSC Norfolk Southern Corp. 0.06% 819 $236K Reduce -19.6%
MRK Merck & Co. Inc. 0.06% 2,170 $228K New
UNH Unitedhealth Group Inc. 0.06% 684 $226K No change
SCHB Schwab US Broad Market ETF 0.06% 8,580 $225K No change
GS Goldman Sachs Group Inc. 0.06% 250 $220K New
APH Amphenol Corp. Class A 0.06% 1,588 $215K New
MAS Masco Corp. 0.06% 3,338 $212K New
DFAU Dimensional US Core Equity M 0.06% 4,427 $207K Reduce -27.2%
IWB iShares Russell 1000 ETF 0.06% 550 $205K No change
AWK American Water Works Co. Inc. 0.06% 1,573 $205K New
IJK iShares S&P Mid-Cap 400 Grow 0.05% 2,071 $201K New
XAWFX Alliancebernstein GL Hi Inc. 0.03% 11,955 $128K No change
FSCO FS Credit Opportunities Corp. 0.03% 15,201 $96K No change

Portfolio Sells Q3 2025 → Q4 2025
SYK Stryker Corp. Reduce -0.8% 24.06% −2.01
MSFT Microsoft Corp. Reduce -0.0% 2.37% −0.23
IJR iShares Core S&P Small-Cap E Reduce -1.8% 5.56% −0.16
VOO Vanguard S&P 500 ETF Reduce -2.3% 7.52% −0.16
VXF Vanguard Extended Market ETF Reduce -12.0% 0.77% −0.12
K Kellanova Sold out 0.00% −0.07
EPD Enterprise Products Partners Sold out 0.00% −0.07
PSX Phillips 66 Sold out 0.00% −0.06
VTI VG Morningstar TS MKT ETF-US Reduce -1.9% 3.05% −0.06
NET Cloudflare Inc. Class A Sold out 0.00% −0.06
MO Altria Group Inc. Reduce -2.1% 0.24% −0.05
PM Philip Morris International Reduce -7.5% 0.35% −0.04
NVDA Nvidia Corp. Reduce -35.2% 0.07% −0.04
VUG Vanguard Mrngstar GR ETF-Sui Reduce -0.5% 3.43% −0.03
VB Vanguard Most SM-Cap ETF-Usd Reduce -1.7% 1.18% −0.03
T AT&T Inc. Reduce -6.0% 0.12% −0.03
ABT Abbott Laboratories Reduce -4.0% 0.21% −0.03
ZTS Zoetis Inc. Reduce -8.6% 0.09% −0.03
DFAU Dimensional US Core Equity M Reduce -27.2% 0.06% −0.02
VIG Vanguard Dividend Apprec ETF Reduce -0.3% 3.26% −0.02
NSC Norfolk Southern Corp. Reduce -19.6% 0.06% −0.02
GLD SPDR Gold Shares Reduce -14.9% 0.22% −0.02
CGUS Cap Group Core Equity Reduce -3.1% 0.43% −0.02
VIGI Vanguard Int Div App Indx FD Reduce -3.3% 0.44% −0.02
DUK Duke Energy Corp. Reduce -1.5% 0.10% −0.01
BRK.B Berkshire Hathaway Inc. Class B Reduce -1.1% 0.27% −0.01
PEP Pepsico Inc. Reduce -1.8% 0.41% −0.01
XOM Exxon Mobil Corp. Reduce -6.3% 0.34% −0.01
AMZN Amazon.com Inc. Reduce -4.2% 0.43% −0.01
DIS The Walt Disney Co. Reduce -1.9% 0.13% −0.01
PFE Pfizer Inc. Reduce -0.9% 0.11% −0.01
COP Conocophillips Reduce -2.4% 0.10% −0.01
SPY SS SPDR S&P 500 ETF Trust-US Reduce -0.4% 1.09% −0.00
IWD iShares Russell 1000 Value E Reduce -3.5% 0.10% −0.00
IVV iShares Core S&P 500 ETF Reduce -0.3% 0.93% −0.00
NEE Nextera Energy Inc. Reduce -0.7% 0.17% +0.01
IBM Intl Business Machines Corp. Reduce -0.1% 0.59% +0.01
LLY Eli Lilly & Co. Reduce -9.0% 0.14% +0.03
AAPL Apple Inc. Reduce -3.0% 4.65% +0.06
GOOGL Alphabet Inc. Class A Reduce -4.9% 0.45% +0.07

Portfolio Buys Q3 2025 → Q4 2025
DFUS Dimensional US Eq MKT ETF Add +365.1% 0.73% +0.57
CGCB Cap Group Core Bond Add +124.0% 0.50% +0.27
VCSH Vanguard S/T Corp. Bond ETF Add +291.4% 0.32% +0.24
DFAI Dimensional International Co. New 0.17% +0.17
VGSH Vanguard Short-Term Treasury Add +14.0% 1.03% +0.10
VXUS Vanguard Total Intl Stock Add +2.2% 3.95% +0.10
DFIV Dimensional International Va New 0.08% +0.08
CGBL Cap Group Core Balanced Add +8.5% 1.03% +0.08
WRB WR Berkley Corp. New 0.07% +0.07
UPS United Parcel Service Class B New 0.07% +0.07
USB US Bancorp New 0.07% +0.07
BSV Vanguard Short-Term Bond ETF New 0.07% +0.07
SPGI S&P Global Inc. New 0.07% +0.07
USMV iShares MSCI USA Min Vol Fac New 0.06% +0.06
MRK Merck & Co. Inc. New 0.06% +0.06
ADI Analog Devices Inc. Add +29.0% 0.22% +0.06
CB Chubb Ltd. Add +32.3% 0.20% +0.06
GS Goldman Sachs Group Inc. New 0.06% +0.06
APH Amphenol Corp. Class A New 0.06% +0.06
MAS Masco Corp. New 0.06% +0.06
AWK American Water Works Co. Inc. New 0.06% +0.06
IJK iShares S&P Mid-Cap 400 Grow New 0.05% +0.05
SNA Snap-on Inc. Add +39.5% 0.20% +0.05
CSCO Cisco Systems Inc. Add +8.3% 0.30% +0.05
CGDG Cap Group Dividend Growers Add +9.2% 0.50% +0.04
GOOG Alphabet Inc. Class C Add +0.0% 0.22% +0.04
JNJ Johnson & Johnson Add +14.0% 0.22% +0.04
VGIT Vanguard Intermediate-Term T Add +12.7% 0.48% +0.04
WMT Walmart Inc. Add +0.7% 0.71% +0.04
NTRS Northern Trust Corp. Add +40.0% 0.15% +0.04
BND Vanguard Total Bond Market Add +28.8% 0.20% +0.04
VTV Vanguard Mrngstr Val ETF-Aui Add +1.1% 3.10% +0.04
GILD Gilead Sciences Inc. Add +22.4% 0.13% +0.03
VEA Vanguard Ftse Developed ETF Add +17.1% 0.19% +0.03
CL Colgate-Palmolive Co. Add +32.7% 0.14% +0.03
WEC WEC Energy Group Inc. Add +34.7% 0.16% +0.03
CGGR Cap Group Growth Equity Add +2.8% 1.52% +0.03
LMT Lockheed Martin Corp. Add +16.8% 0.28% +0.03
CGXU Cap Group Intl Focus Add +7.2% 0.58% +0.03
VUSB Vanguard Ultra Short Bond Et Add +6.8% 0.64% +0.03
GGG Graco Inc. Add +24.2% 0.15% +0.02
KO The Coca-Cola Co. Add +9.6% 0.16% +0.02
CGDV Cap Group Dividend Value Add +4.5% 0.31% +0.02
ARCC Ares Capital Corp. Add +31.6% 0.08% +0.02
TJX TJX Companies Inc. Add +23.5% 0.08% +0.02
CGCV Cap Group Conservative Eq Add +4.8% 0.46% +0.02
ETR Entergy Corp. Add +13.4% 0.18% +0.02
FNF Fidelity National Financial Add +31.7% 0.11% +0.02
MA Mastercard Inc. Class A Add +9.4% 0.23% +0.02
SMH Vaneck Semiconductor ETF Add +0.3% 0.19% +0.01

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 171$450.6MSYK, DFUS, VOO, AAPL, IJR
Q1 2026 157$390.3MSYK, DFUS, VOO, IJR, AAPL
Q4 2025 150$368.3MSYK, VOO, IJR, AAPL, VXUS
Q3 2025 140$360.3MSYK, VOO, IJR, AAPL, VXUS
Q2 2025 136$343.7MSYK, VOO, IJR, AAPL, VXUS
Q1 2025 128$316.7MSYK, VOO, IJR, AAPL, VXUS
Q4 2024 126$308.9MSYK, VOO, IJR, AAPL, VXUS
Q3 2024 121$282.3MSYK, VOO, IJR, AAPL, VXUS
Q2 2024 106$254.2MSYK, VOO, IJR, AAPL, VXUS
Q1 2024 106$244.1MSYK, VOO, IJR, AAPL, VXUS