Cyr Financial Inc.
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 23, 2025), Cyr Financial Inc. reported 54 stock positions worth $109.7 million. Its top holding was Pacer US Cash Cows 100 ETF (COWZ) at 10.0% of the portfolio, followed by Invesco S&P 500 Top 50 ETF (XLG, 9.2%) and Vanguard Total Bond Market (BND, 8.3%). Compared with Q3 2024, it opened 18 new positions, sold out of 7, added to 17 and reduced 19. The biggest buy was a new position in Isha Curr Hedged MSCI Eafe (HEFA) and the biggest sale iShares MSCI International Q (IQLT, shares −78%).
- Most Recent 13F
- Q2 2026
- Location
- HENNEPIN, IL
- CIK
- 0002010666
- Portfolio Value
- $109.7M (Q4 2024)
- SEC Filing
- 0001085146-25-000438 ↗ filed Jan 23, 2025
Holdings Value
Holdings 54 stocks · $109.7M
| COWZ Pacer US Cash Cows 100 ETF | 9.99% | 193,902 | $11.0M | Add +2.8% |
| XLG Invesco S&P 500 Top 50 ETF | 9.19% | 201,621 | $10.1M | Add +26.7% |
| BND Vanguard Total Bond Market | 8.26% | 125,900 | $9.1M | Reduce -4.0% |
| SPAB SS SPDR P Agg Bond ETF | 6.98% | 306,235 | $7.7M | Add +13.5% |
| UITB Victoryshares Core Intermedi | 6.87% | 163,978 | $7.5M | Add +12.5% |
| FBND Fidelity Total Bond ETF | 6.77% | 165,382 | $7.4M | Add +10.5% |
| QQQ Invesco QQQ Trust Series 1 | 5.16% | 11,073 | $5.7M | Reduce -36.5% |
| SCHD Schwab US DVD Equity ETF | 5.13% | 205,951 | $5.6M | Add +32.6% |
| HEFA Isha Curr Hedged MSCI Eafe | 4.98% | 157,003 | $5.5M | New |
| IDMO Invesco S&P International DE | 4.83% | 130,289 | $5.3M | New |
| RWJ Invesco S&P Smallcap 600 | 4.29% | 102,715 | $4.7M | Add +0.8% |
| EWX State Street SPDR S&P Emergi | 3.63% | 67,959 | $4.0M | Add +20.6% |
| IQLT iShares MSCI International Q | 1.24% | 36,741 | $1.4M | Reduce -78.4% |
| DNL Wisdmtree GB Ex-US QL GR-Usd | 1.05% | 32,093 | $1.2M | Reduce -80.7% |
| IBDT iShares Ibonds Dec 2028 ETF | 0.99% | 43,807 | $1.1M | Reduce -3.3% |
| SPMO Invesco S&P 500 Momentum ETF | 0.89% | 10,288 | $977K | New |
| MUB iShares National Muni Bond E | 0.88% | 9,082 | $968K | Add +6.3% |
| AAPL Apple Inc. | 0.88% | 3,850 | $964K | Reduce -4.4% |
| CRM Salesforce Inc. | 0.81% | 2,662 | $890K | Reduce -12.9% |
| AMZN Amazon.com Inc. | 0.79% | 3,938 | $864K | Reduce -8.6% |
| GOOGL Alphabet Inc. Class A | 0.78% | 4,528 | $857K | Reduce -4.6% |
| XOM Exxon Mobil Corp. | 0.77% | 7,862 | $846K | Add +292.3% |
| INMU iShares Intermediate Muni Inc. | 0.73% | 33,762 | $797K | Reduce -14.3% |
| NVDA Nvidia Corp. | 0.72% | 5,908 | $793K | Add +2.3% |
| MSFT Microsoft Corp. | 0.72% | 1,877 | $791K | Add +5.2% |
| UBER Uber Technologies Inc. | 0.71% | 12,891 | $778K | Add +21.7% |
| UNH Unitedhealth Group Inc. | 0.70% | 1,515 | $766K | Add +11.1% |
| PULS Pgim Ultra Short Bond ETF | 0.68% | 15,085 | $747K | Add +31.3% |
| GE General Electric filed as GE AEROSPACE | 0.67% | 4,397 | $733K | New |
| BRK.B Berkshire Hathaway Inc. Class B | 0.66% | 1,585 | $718K | New |
| AVGO Broadcom Inc. | 0.58% | 2,753 | $638K | New |
| SUB iShares Short-Term National | 0.57% | 5,970 | $630K | Reduce -5.2% |
| CSCO Cisco Systems Inc. | 0.57% | 10,583 | $627K | New |
| JPM JPMorgan Chase & Co. | 0.57% | 2,601 | $623K | New |
| META Meta Platforms Inc. Class A | 0.55% | 1,032 | $604K | New |
| HD Home Depot Inc. | 0.55% | 1,547 | $602K | New |
| TSLA Tesla Inc. | 0.54% | 1,469 | $593K | New |
| NFLX Netflix Inc. | 0.52% | 636 | $567K | New |
| LLY Eli Lilly & Co. | 0.51% | 730 | $564K | New |
| COST Costco Wholesale Corp. | 0.50% | 604 | $553K | New |
| IWY iShares Russell Top 200 Grow | 0.45% | 2,081 | $490K | Reduce -49.4% |
| AXON Axon Enterprise Inc. | 0.35% | 644 | $383K | Reduce -69.3% |
| SMMU PIMCO SHRT TRM Muni BND ETF | 0.34% | 7,554 | $376K | Add +17.9% |
| ACWI iShares MSCI Acwi ETF | 0.33% | 3,124 | $367K | Reduce -9.9% |
| CAT Caterpillar Inc. | 0.31% | 941 | $341K | New |
| VOO Vanguard S&P 500 ETF | 0.29% | 586 | $316K | Add +3.7% |
| ITDC iShares Lifepath Target 2035 | 0.27% | 10,018 | $299K | New |
| ANET Arista Networks Inc. | 0.24% | 2,377 | $263K | Reduce -72.6% |
| GS Goldman Sachs Group Inc. | 0.22% | 429 | $246K | Reduce -72.1% |
| DSTL Distillate US Fundamental St | 0.21% | 4,114 | $226K | Reduce -71.4% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.20% | 4,403 | $221K | New |
| WRB WR Berkley Corp. filed as BERKLEY W R CORP | 0.20% | 3,685 | $216K | Reduce -73.5% |
| NWSA News Corp. Class A | 0.19% | 7,422 | $204K | Reduce -73.3% |
| CPNJ Calamos NSDQ100 Alt ETF | 0.18% | 8,132 | $203K | New |
Portfolio Sells Q3 2024 → Q4 2024
| IQLT iShares MSCI International Q | Reduce -78.4% | 1.24% | −5.35 |
| DNL Wisdmtree GB Ex-US QL GR-Usd | Reduce -80.7% | 1.05% | −5.05 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -36.5% | 5.16% | −2.78 |
| BND Vanguard Total Bond Market | Reduce -4.0% | 8.26% | −0.94 |
| PHM Pultegroup Inc. | Sold out | 0.00% | −0.77 |
| ACGL Arch Capital Group Ltd. | Sold out | 0.00% | −0.77 |
| DHI D.R. Horton Inc. | Sold out | 0.00% | −0.77 |
| BLDR Builders Firstsource Inc. | Sold out | 0.00% | −0.76 |
| INTU Intuit Inc. | Sold out | 0.00% | −0.70 |
| CTVA Corteva Inc. | Sold out | 0.00% | −0.69 |
| DHR Danaher Corp. | Sold out | 0.00% | −0.61 |
| DSTL Distillate US Fundamental St | Reduce -71.4% | 0.21% | −0.56 |
| WRB WR Berkley Corp. | Reduce -73.5% | 0.20% | −0.54 |
| ANET Arista Networks Inc. | Reduce -72.6% | 0.24% | −0.54 |
| NWSA News Corp. Class A | Reduce -73.3% | 0.19% | −0.50 |
| GS Goldman Sachs Group Inc. | Reduce -72.1% | 0.22% | −0.49 |
| AXON Axon Enterprise Inc. | Reduce -69.3% | 0.35% | −0.43 |
| IWY iShares Russell Top 200 Grow | Reduce -49.4% | 0.45% | −0.40 |
| INMU iShares Intermediate Muni Inc. | Reduce -14.3% | 0.73% | −0.16 |
| IBDT iShares Ibonds Dec 2028 ETF | Reduce -3.3% | 0.99% | −0.08 |
| ACWI iShares MSCI Acwi ETF | Reduce -9.9% | 0.33% | −0.05 |
| SUB iShares Short-Term National | Reduce -5.2% | 0.57% | −0.05 |
| AAPL Apple Inc. | Reduce -4.4% | 0.88% | +0.00 |
| CRM Salesforce Inc. | Reduce -12.9% | 0.81% | +0.03 |
| AMZN Amazon.com Inc. | Reduce -8.6% | 0.79% | +0.04 |
| GOOGL Alphabet Inc. Class A | Reduce -4.6% | 0.78% | +0.05 |
Portfolio Buys Q3 2024 → Q4 2024
| HEFA Isha Curr Hedged MSCI Eafe | New | 4.98% | +4.98 |
| IDMO Invesco S&P International DE | New | 4.83% | +4.83 |
| XLG Invesco S&P 500 Top 50 ETF | Add +26.7% | 9.19% | +2.12 |
| SCHD Schwab US DVD Equity ETF | Add +32.6% | 5.13% | +1.04 |
| SPMO Invesco S&P 500 Momentum ETF | New | 0.89% | +0.89 |
| GE General Electric | New | 0.67% | +0.67 |
| BRK.B Berkshire Hathaway Inc. Class B | New | 0.66% | +0.66 |
| AVGO Broadcom Inc. | New | 0.58% | +0.58 |
| CSCO Cisco Systems Inc. | New | 0.57% | +0.57 |
| JPM JPMorgan Chase & Co. | New | 0.57% | +0.57 |
| XOM Exxon Mobil Corp. | Add +292.3% | 0.77% | +0.55 |
| META Meta Platforms Inc. Class A | New | 0.55% | +0.55 |
| HD Home Depot Inc. | New | 0.55% | +0.55 |
| TSLA Tesla Inc. | New | 0.54% | +0.54 |
| NFLX Netflix Inc. | New | 0.52% | +0.52 |
| LLY Eli Lilly & Co. | New | 0.51% | +0.51 |
| COST Costco Wholesale Corp. | New | 0.50% | +0.50 |
| SPAB SS SPDR P Agg Bond ETF | Add +13.5% | 6.98% | +0.39 |
| EWX State Street SPDR S&P Emergi | Add +20.6% | 3.63% | +0.35 |
| UITB Victoryshares Core Intermedi | Add +12.5% | 6.87% | +0.35 |
| CAT Caterpillar Inc. | New | 0.31% | +0.31 |
| ITDC iShares Lifepath Target 2035 | New | 0.27% | +0.27 |
| FBND Fidelity Total Bond ETF | Add +10.5% | 6.77% | +0.24 |
| VTEB Vanguard Tax-Exempt Bond ETF | New | 0.20% | +0.20 |
| CPNJ Calamos NSDQ100 Alt ETF | New | 0.18% | +0.18 |
| PULS Pgim Ultra Short Bond ETF | Add +31.3% | 0.68% | +0.15 |
| NVDA Nvidia Corp. | Add +2.3% | 0.72% | +0.07 |
| SMMU PIMCO SHRT TRM Muni BND ETF | Add +17.9% | 0.34% | +0.04 |
| MUB iShares National Muni Bond E | Add +6.3% | 0.88% | +0.02 |
| VOO Vanguard S&P 500 ETF | Add +3.7% | 0.29% | +0.01 |
| MSFT Microsoft Corp. | Add +5.2% | 0.72% | +0.00 |
| UBER Uber Technologies Inc. | Add +21.7% | 0.71% | −0.03 |
| UNH Unitedhealth Group Inc. | Add +11.1% | 0.70% | −0.05 |
| RWJ Invesco S&P Smallcap 600 | Add +0.8% | 4.29% | −0.06 |
| COWZ Pacer US Cash Cows 100 ETF | Add +2.8% | 9.99% | −0.20 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 62 | $192.0M | COWZ, XLG, BND, SPAB, FBND |
| Q1 2026 | 58 | $169.9M | COWZ, XLG, BND, UITB, SPAB |
| Q4 2025 | 58 | $160.4M | COWZ, XLG, BND, UITB, SPAB |
| Q3 2025 | 63 | $146.3M | XLG, COWZ, BND, UITB, SPAB |
| Q2 2025 | 54 | $129.5M | XLG, COWZ, BND, SPAB, UITB |
| Q1 2025Amended | 54 | $111.9M | COWZ, BND, XLG, SPAB, UITB |
| Q4 2024 | 54 | $109.7M | COWZ, XLG, BND, SPAB, UITB |
| Q3 2024 | 43 | $107.1M | COWZ, BND, QQQ, XLG, IQLT |
| Q2 2024 | 41 | $100.1M | BND, COWZ, QQQ, XLG, IQLT |