Cyr Financial Inc.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 16, 2026), Cyr Financial Inc. reported 58 stock positions worth $160.4 million. Its top holding was Pacer US Cash Cows 100 ETF (COWZ) at 9.0% of the portfolio, followed by Invesco S&P 500 Top 50 ETF (XLG, 8.5%) and Vanguard Total Bond Market (BND, 7.7%). Compared with Q3 2025, it opened 9 new positions, sold out of 14, added to 25 and reduced 22. The biggest buy was a new position in Fidelity High Dividend ETF (FDVV) and the biggest sale Schwab US DVD Equity ETF (SCHD, shares −92%).
- Most Recent 13F
- Q2 2026
- Location
- HENNEPIN, IL
- CIK
- 0002010666
- Portfolio Value
- $160.4M (Q4 2025)
- SEC Filing
- 0002010666-26-000002 ↗ filed Jan 16, 2026
Holdings Value
Holdings 58 stocks · $160.4M
| COWZ Pacer US Cash Cows 100 ETF | 9.01% | 240,096 | $14.4M | Add +7.7% |
| XLG Invesco S&P 500 Top 50 ETF | 8.54% | 230,937 | $13.7M | Reduce -5.1% |
| BND Vanguard Total Bond Market | 7.65% | 165,716 | $12.3M | Add +21.8% |
| UITB Victoryshares Core Intermedi | 7.61% | 257,837 | $12.2M | Add +23.2% |
| SPAB SS SPDR P Agg Bond ETF | 7.57% | 471,228 | $12.1M | Add +23.5% |
| FBND Fidelity Total Bond ETF | 7.55% | 262,830 | $12.1M | Add +23.4% |
| IDMO Invesco S&P International DE | 6.11% | 176,433 | $9.8M | Add +8.4% |
| HEFA Isha Curr Hedged MSCI Eafe | 5.95% | 230,857 | $9.5M | Add +8.6% |
| FDVV Fidelity High Dividend ETF | 4.91% | 138,780 | $7.9M | New |
| QQQ Invesco QQQ Trust Series 1 | 4.29% | 11,211 | $6.9M | Add +7.4% |
| RWJ Invesco S&P Smallcap 600 | 3.80% | 125,131 | $6.1M | Add +5.3% |
| EDIV State Street SPDR S&P Emergi | 2.51% | 102,825 | $4.0M | New |
| GE General Electric filed as GE AEROSPACE | 0.90% | 4,694 | $1.4M | Reduce -9.4% |
| IBDU iShares Ibonds Dec 2029 Term | 0.90% | 61,613 | $1.4M | Add +0.8% |
| IBDT iShares Ibonds Dec 2028 ETF | 0.88% | 55,351 | $1.4M | Reduce -1.7% |
| TSLA Tesla Inc. | 0.87% | 3,088 | $1.4M | Reduce -2.8% |
| MSFT Microsoft Corp. | 0.86% | 2,860 | $1.4M | Add +3.7% |
| XOM Exxon Mobil Corp. | 0.84% | 11,233 | $1.4M | Add +9.6% |
| JPM JPMorgan Chase & Co. | 0.80% | 3,970 | $1.3M | Add +2.1% |
| GOOGL Alphabet Inc. Class A | 0.79% | 4,070 | $1.3M | Reduce -24.5% |
| AAPL Apple Inc. | 0.78% | 4,619 | $1.3M | Reduce -0.4% |
| NVDA Nvidia Corp. | 0.78% | 6,680 | $1.2M | Reduce -13.7% |
| AVGO Broadcom Inc. | 0.75% | 3,457 | $1.2M | Reduce -21.5% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.74% | 2,353 | $1.2M | Add +16.9% |
| AMZN Amazon.com Inc. | 0.73% | 5,058 | $1.2M | Add +7.7% |
| LLY Eli Lilly & Co. | 0.72% | 1,079 | $1.2M | Reduce -3.3% |
| CSCO Cisco Systems Inc. | 0.71% | 14,827 | $1.1M | Add +0.2% |
| PLTR Palantir Technologies Inc. Class A | 0.70% | 6,336 | $1.1M | New |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.69% | 22,106 | $1.1M | Add +10.8% |
| JMUB JPMorgan Municipal ETF | 0.69% | 21,872 | $1.1M | Add +12.6% |
| META Meta Platforms Inc. Class A | 0.68% | 1,659 | $1.1M | Add +17.3% |
| SPMO Invesco S&P 500 Momentum ETF | 0.68% | 9,077 | $1.1M | Reduce -3.6% |
| MUB iShares National Muni Bond E | 0.67% | 9,991 | $1.1M | Add +3.8% |
| UBER Uber Technologies Inc. | 0.66% | 12,997 | $1.1M | Add +6.6% |
| CPSD CLMS S&P STR Alt Dec | 0.64% | 39,288 | $1.0M | Reduce -2.8% |
| ABBV Abbvie Inc. | 0.63% | 4,400 | $1.0M | New |
| WMT Walmart Inc. | 0.61% | 8,739 | $974K | New |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.58% | 6,107 | $938K | New |
| ORCL Oracle Corp. | 0.55% | 4,484 | $874K | New |
| IBHI iShares Ibonds 2029 TM HY Inc. | 0.54% | 36,883 | $872K | Reduce -4.7% |
| EWX State Street SPDR S&P Emergi | 0.46% | 11,302 | $742K | Reduce -85.6% |
| PULS Pgim Ultra Short Bond ETF | 0.38% | 12,141 | $602K | Reduce -5.5% |
| IWY iShares Russell Top 200 Grow | 0.34% | 1,967 | $545K | Reduce -2.0% |
| SCHD Schwab US DVD Equity ETF | 0.32% | 18,848 | $517K | Reduce -92.3% |
| CAT Caterpillar Inc. | 0.29% | 812 | $465K | Add +0.1% |
| VOO Vanguard S&P 500 ETF | 0.28% | 724 | $454K | Add +0.1% |
| CEG Constellation Energy | 0.27% | 1,219 | $431K | No change |
| IBDV iShares Ibonds Dec 2030 Corp. | 0.21% | 15,602 | $344K | New |
| ITDC iShares Lifepath Target 2035 | 0.21% | 10,116 | $344K | Reduce -6.4% |
| IBTJ iShares Ibonds Dec 2029 Term | 0.21% | 15,459 | $339K | Reduce -13.4% |
| IBHH iShares Ibonds 2028 TM HY Inc. | 0.17% | 11,548 | $273K | Reduce -12.8% |
| NFLX Netflix Inc. | 0.15% | 2,625 | $246K | Reduce -68.3% |
| IQLT iShares MSCI International Q | 0.15% | 5,368 | $244K | Reduce -28.5% |
| ITDH iShares Target Date 2060 | 0.14% | 5,862 | $220K | Add +3.8% |
| CPNJ Calamos NSDQ100 Alt ETF | 0.14% | 8,132 | $220K | No change |
| TFLO iShares Treasury Floating Ra | 0.14% | 4,305 | $217K | Add +4.8% |
| IBTI iShares Ibonds Dec 2028 Term | 0.13% | 9,485 | $212K | Reduce -18.6% |
| CAIE Calamos Autocallable Inc. ETF | 0.12% | 7,485 | $200K | New |
Portfolio Sells Q3 2025 → Q4 2025
| SCHD Schwab US DVD Equity ETF | Reduce -92.3% | 0.32% | −4.23 |
| EWX State Street SPDR S&P Emergi | Reduce -85.6% | 0.46% | −3.15 |
| XLG Invesco S&P 500 Top 50 ETF | Reduce -5.1% | 8.54% | −1.02 |
| HD Home Depot Inc. | Sold out | 0.00% | −0.64 |
| COST Costco Wholesale Corp. | Sold out | 0.00% | −0.55 |
| CRM Salesforce Inc. | Sold out | 0.00% | −0.55 |
| NFLX Netflix Inc. | Reduce -68.3% | 0.15% | −0.53 |
| UNH Unitedhealth Group Inc. | Sold out | 0.00% | −0.52 |
| AVGO Broadcom Inc. | Reduce -21.5% | 0.75% | −0.25 |
| NVDA Nvidia Corp. | Reduce -13.7% | 0.78% | −0.21 |
| IBTG iShares Ibonds Dec 2026 Term | Sold out | 0.00% | −0.17 |
| SUB iShares Short-Term National | Sold out | 0.00% | −0.17 |
| GE General Electric | Reduce -9.4% | 0.90% | −0.16 |
| IBDS Ishrs Ibnds Dec 27 Corp. ETF | Sold out | 0.00% | −0.16 |
| IBHG iShares Ibonds 2027 HY Inc. | Sold out | 0.00% | −0.16 |
| IBHF iShares Ibond 2026 HY & Inc. | Sold out | 0.00% | −0.16 |
| IBDR iShares Ibonds Dec 2026 Term | Sold out | 0.00% | −0.16 |
| ACWI iShares MSCI Acwi ETF | Sold out | 0.00% | −0.16 |
| IBTH iShares Ibonds Dec 2027 Term | Sold out | 0.00% | −0.16 |
| GS Goldman Sachs Group Inc. | Sold out | 0.00% | −0.14 |
| IBHE iShares Ibonds 2025 H/Y Inc. | Sold out | 0.00% | −0.14 |
| SPMO Invesco S&P 500 Momentum ETF | Reduce -3.6% | 0.68% | −0.10 |
| IBDT iShares Ibonds Dec 2028 ETF | Reduce -1.7% | 0.88% | −0.10 |
| GOOGL Alphabet Inc. Class A | Reduce -24.5% | 0.79% | −0.10 |
| TSLA Tesla Inc. | Reduce -2.8% | 0.87% | −0.10 |
| IBHI iShares Ibonds 2029 TM HY Inc. | Reduce -4.7% | 0.54% | −0.09 |
| IQLT iShares MSCI International Q | Reduce -28.5% | 0.15% | −0.07 |
| CPSD CLMS S&P STR Alt Dec | Reduce -2.8% | 0.64% | −0.07 |
| PULS Pgim Ultra Short Bond ETF | Reduce -5.5% | 0.38% | −0.06 |
| IBTJ iShares Ibonds Dec 2029 Term | Reduce -13.4% | 0.21% | −0.06 |
| IBTI iShares Ibonds Dec 2028 Term | Reduce -18.6% | 0.13% | −0.05 |
| IBHH iShares Ibonds 2028 TM HY Inc. | Reduce -12.8% | 0.17% | −0.05 |
| ITDC iShares Lifepath Target 2035 | Reduce -6.4% | 0.21% | −0.04 |
| IWY iShares Russell Top 200 Grow | Reduce -2.0% | 0.34% | −0.04 |
| AAPL Apple Inc. | Reduce -0.4% | 0.78% | −0.02 |
| LLY Eli Lilly & Co. | Reduce -3.3% | 0.72% | +0.14 |
Portfolio Buys Q3 2025 → Q4 2025
| FDVV Fidelity High Dividend ETF | New | 4.91% | +4.91 |
| EDIV State Street SPDR S&P Emergi | New | 2.51% | +2.51 |
| SPAB SS SPDR P Agg Bond ETF | Add +23.5% | 7.57% | +0.83 |
| UITB Victoryshares Core Intermedi | Add +23.2% | 7.61% | +0.82 |
| FBND Fidelity Total Bond ETF | Add +23.4% | 7.55% | +0.82 |
| BND Vanguard Total Bond Market | Add +21.8% | 7.65% | +0.74 |
| PLTR Palantir Technologies Inc. Class A | New | 0.70% | +0.70 |
| ABBV Abbvie Inc. | New | 0.63% | +0.63 |
| WMT Walmart Inc. | New | 0.61% | +0.61 |
| TJX TJX Companies Inc. | New | 0.58% | +0.58 |
| ORCL Oracle Corp. | New | 0.55% | +0.55 |
| COWZ Pacer US Cash Cows 100 ETF | Add +7.7% | 9.01% | +0.25 |
| IBDV iShares Ibonds Dec 2030 Corp. | New | 0.21% | +0.21 |
| HEFA Isha Curr Hedged MSCI Eafe | Add +8.6% | 5.95% | +0.20 |
| CAIE Calamos Autocallable Inc. ETF | New | 0.12% | +0.12 |
| IDMO Invesco S&P International DE | Add +8.4% | 6.11% | +0.11 |
| XOM Exxon Mobil Corp. | Add +9.6% | 0.84% | +0.05 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +16.9% | 0.74% | +0.05 |
| CAT Caterpillar Inc. | Add +0.1% | 0.29% | +0.03 |
| AMZN Amazon.com Inc. | Add +7.7% | 0.73% | +0.02 |
| CSCO Cisco Systems Inc. | Add +0.2% | 0.71% | +0.02 |
| JMUB JPMorgan Municipal ETF | Add +12.6% | 0.69% | +0.02 |
| QQQ Invesco QQQ Trust Series 1 | Add +7.4% | 4.29% | +0.01 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +10.8% | 0.69% | +0.01 |
| ITDH iShares Target Date 2060 | Add +3.8% | 0.14% | −0.01 |
| TFLO iShares Treasury Floating Ra | Add +4.8% | 0.14% | −0.01 |
| VOO Vanguard S&P 500 ETF | Add +0.1% | 0.28% | −0.02 |
| META Meta Platforms Inc. Class A | Add +17.3% | 0.68% | −0.03 |
| MUB iShares National Muni Bond E | Add +3.8% | 0.67% | −0.03 |
| JPM JPMorgan Chase & Co. | Add +2.1% | 0.80% | −0.04 |
| IBDU iShares Ibonds Dec 2029 Term | Add +0.8% | 0.90% | −0.08 |
| MSFT Microsoft Corp. | Add +3.7% | 0.86% | −0.11 |
| RWJ Invesco S&P Smallcap 600 | Add +5.3% | 3.80% | −0.12 |
| UBER Uber Technologies Inc. | Add +6.6% | 0.66% | −0.15 |
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 |