DBK Financial Counsel, LLC

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 26, 2026), DBK Financial Counsel, LLC reported 59 stock positions worth $130.2 million. Its top holding was SS Spdrb B 3-12M T-Bill ETF (BILS) at 11.6% of the portfolio, followed by Vanguard Ftse Developed ETF (VEA, 7.6%) and SS SPDR S&P 500 ETF Trust-US (SPY, 6.2%). Compared with Q3 2025, it added to 20 and reduced 15. The biggest buy was SS Spdrb B 3-12M T-Bill ETF (BILS, shares +36%) and the biggest sale Vanguard Ftse Developed ETF (VEA, shares −2%).

Most Recent 13F
Q2 2026
Location
CUYAHOGA FALLS, OH
CIK
0001904822
Portfolio Value
$130.2M (Q4 2025)
SEC Filing
0001904822-26-000001 ↗ filed Jan 26, 2026

Holdings Value

0$50.0M$100.0M$150.0M Q1 2024: $95.4M Q1 2024 Q2 2024: $91.8M Q2 2024 Q3 2024: $99.0M Q3 2024 Q4 2024: $99.3M Q4 2024 Q1 2025: $99.8M Q1 2025 Q2 2025: $110.6M Q2 2025 Q3 2025: $118.9M Q3 2025 Q4 2025: $130.2M $130.2M Q4 2025 Q1 2026: $132.1M Q1 2026 Q2 2026: $119.2M Q2 2026

Holdings 59 stocks · $130.2M
BILS SS Spdrb B 3-12M T-Bill ETF 11.64% 152,749 $15.2M Add +36.0%
VEA Vanguard Ftse Developed ETF 7.57% 157,876 $9.9M Reduce -2.1%
SPY SS SPDR S&P 500 ETF Trust-US 6.25% 11,926 $8.1M Reduce -0.4%
QQQ Invesco QQQ Trust Series 1 4.95% 10,501 $6.5M No change
DFUS Dimensional US Eq MKT ETF 4.07% 71,519 $5.3M Add +18.9%
DFAI Dimensional International Co. 3.97% 135,604 $5.2M Add +14.2%
VOO Vanguard S&P 500 ETF 3.62% 7,522 $4.7M Add +4.1%
VTI VG Morningstar TS MKT ETF-US 3.60% 13,974 $4.7M Reduce -1.1%
DFAS Dimensional US Small Cap ETF 3.45% 64,557 $4.5M Add +8.9%
BSV Vanguard Short-Term Bond ETF 3.43% 56,654 $4.5M Add +27.8%
AVUV Avantis US Small Cap Value 3.07% 39,234 $4.0M Add +12.2%
VWO Vanguard Ftse Emerging Marke 3.06% 74,216 $4.0M Reduce -3.1%
DFLV Dim US Large Cap Value ETF 2.93% 111,639 $3.8M Add +31.9%
IJR iShares Core S&P Small-Cap E 2.60% 28,123 $3.4M Reduce -0.1%
SPHQ Invesco S&P 500 Quality ETF 2.57% 44,562 $3.3M Add +0.3%
NVDA Nvidia Corp. 2.04% 14,243 $2.7M Add +0.0%
SCHO Schwab Short-Term US Treas 1.99% 106,413 $2.6M Reduce -0.8%
AVRE Avantis Real Estate ETF 1.75% 52,381 $2.3M Reduce -1.9%
IVV iShares Core S&P 500 ETF 1.74% 3,313 $2.3M Reduce -0.2%
BIL SS SPDR BB 1-3M T-Bill ETF 1.73% 24,715 $2.3M Reduce -1.1%
IWM iShares Russell 2000 ETF 1.61% 8,499 $2.1M Reduce -1.1%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 1.45% 6,015 $1.9M Reduce -0.4%
AAPL Apple Inc. 1.30% 6,239 $1.7M Add +0.1%
VB Vanguard Most SM-Cap ETF-Usd 1.09% 5,516 $1.4M Reduce -0.5%
DFAE Dimensional Emerging Core Eq 1.07% 42,863 $1.4M Add +24.4%
EEM iShares MSCI Emerging Market 1.03% 24,613 $1.3M Reduce -0.3%
IVE iShares S&P 500 Value ETF 1.02% 6,272 $1.3M No change
AVEM Avantis Emerging Markets Eq 1.01% 17,075 $1.3M Add +19.8%
VIG Vanguard Dividend Apprec ETF 0.96% 5,704 $1.3M No change
IEFA iShares Core MSCI Eafe ETF 0.88% 12,737 $1.1M No change
GLD SPDR Gold Shares 0.85% 2,807 $1.1M Add +4.5%
VNQ Vanguard Real Estate ETF 0.85% 12,490 $1.1M Add +4.0%
DFIS Dimensional International SM 0.80% 31,645 $1.0M Add +33.2%
GOOG Alphabet Inc. Class C 0.73% 3,035 $952K No change
MSFT Microsoft Corp. 0.66% 1,776 $859K Reduce -2.0%
IEMG iShares Core MSCI Emerging 0.65% 12,647 $850K No change
AVUS Avantis U.S. Equity ETF 0.65% 7,590 $848K No change
VUG Vanguard Mrngstar GR ETF-Sui 0.62% 1,659 $809K No change
DFSV Dimensional US Small Cap Val 0.61% 24,321 $800K Add +6.0%
DISV Dimensional International SM 0.53% 17,994 $684K No change
DFAR Dimensional US Real Est ETF 0.45% 25,770 $590K No change
AVES Avantis Emerging Markets Val 0.44% 9,830 $573K No change
GDXJ Vaneck Junior Gold Miners 0.43% 4,911 $559K No change
AMZN Amazon.com Inc. 0.41% 2,305 $532K No change
BIV Vanguard Intermediate-Term B 0.41% 6,801 $530K Add +0.9%
IWR iShares Russell Mid-Cap ETF 0.38% 5,105 $491K No change
EFA iShares MSCI Eafe ETF 0.36% 4,898 $470K No change
IAU iShares Gold Trust 0.34% 5,517 $448K Reduce -9.3%
DFAT Dimensional US Target Value 0.33% 7,150 $426K No change
BSVO EA Bridgeway Omni Sm-Cp Val 0.27% 15,175 $354K No change
DFIC Dimensional International Co. 0.24% 8,892 $306K No change
GOOGL Alphabet Inc. Class A 0.23% 965 $302K No change
AVDV Avantis Intl S/C Value ETF 0.23% 3,195 $300K No change
DFIV Dimensional International Va 0.19% 5,045 $252K No change
CSCO Cisco Systems Inc. 0.18% 3,097 $239K Add +0.6%
SCHE Schwab Emrg Mrkts Eqty ETF 0.18% 7,249 $237K No change
AVSC Avantis US Small Cap Equity 0.17% 3,757 $221K Add +0.9%
ANET Arista Networks Inc. 0.16% 1,600 $210K No change
TSLA Tesla Inc. 0.16% 450 $202K No change

Portfolio Sells Q3 2025 → Q4 2025
VEA Vanguard Ftse Developed ETF Reduce -2.1% 7.57% −0.55
SPY SS SPDR S&P 500 ETF Trust-US Reduce -0.4% 6.25% −0.46
VWO Vanguard Ftse Emerging Marke Reduce -3.1% 3.06% −0.43
VTI VG Morningstar TS MKT ETF-US Reduce -1.1% 3.60% −0.30
AVRE Avantis Real Estate ETF Reduce -1.9% 1.75% −0.25
IJR iShares Core S&P Small-Cap E Reduce -0.1% 2.60% −0.22
SCHO Schwab Short-Term US Treas Reduce -0.8% 1.99% −0.21
BIL SS SPDR BB 1-3M T-Bill ETF Reduce -1.1% 1.73% −0.19
IWM iShares Russell 2000 ETF Reduce -1.1% 1.61% −0.14
MSFT Microsoft Corp. Reduce -2.0% 0.66% −0.13
IVV iShares Core S&P 500 ETF Reduce -0.2% 1.74% −0.13
VV Vngrd Mrgstr LRG-Cap ETF-Usd Reduce -0.4% 1.45% −0.11
VB Vanguard Most SM-Cap ETF-Usd Reduce -0.5% 1.09% −0.09
EEM iShares MSCI Emerging Market Reduce -0.3% 1.03% −0.07
IAU iShares Gold Trust Reduce -9.3% 0.34% −0.03

Portfolio Buys Q3 2025 → Q4 2025
BILS SS Spdrb B 3-12M T-Bill ETF Add +36.0% 11.64% +2.24
DFLV Dim US Large Cap Value ETF Add +31.9% 2.93% +0.59
BSV Vanguard Short-Term Bond ETF Add +27.8% 3.43% +0.49
DFUS Dimensional US Eq MKT ETF Add +18.9% 4.07% +0.41
DFAI Dimensional International Co. Add +14.2% 3.97% +0.34
DFIS Dimensional International SM Add +33.2% 0.80% +0.17
DFAE Dimensional Emerging Core Eq Add +24.4% 1.07% +0.16
AVUV Avantis US Small Cap Value Add +12.2% 3.07% +0.15
AVEM Avantis Emerging Markets Eq Add +19.8% 1.01% +0.11
GLD SPDR Gold Shares Add +4.5% 0.85% +0.05
DFAS Dimensional US Small Cap ETF Add +8.9% 3.45% +0.04
CSCO Cisco Systems Inc. Add +0.6% 0.18% +0.01
DFSV Dimensional US Small Cap Val Add +6.0% 0.61% +0.00
AVSC Avantis US Small Cap Equity Add +0.9% 0.17% −0.01
AAPL Apple Inc. Add +0.1% 1.30% −0.03
BIV Vanguard Intermediate-Term B Add +0.9% 0.41% −0.04
VNQ Vanguard Real Estate ETF Add +4.0% 0.85% −0.07
VOO Vanguard S&P 500 ETF Add +4.1% 3.62% −0.10
SPHQ Invesco S&P 500 Quality ETF Add +0.3% 2.57% −0.17
NVDA Nvidia Corp. Add +0.0% 2.04% −0.19

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 56$119.2MBILS, SPY, VEA, QQQ, DFUS
Q1 2026 59$132.1MBILS, VEA, SPY, QQQ, DFUS
Q4 2025 59$130.2MBILS, VEA, SPY, QQQ, DFUS
Q3 2025 59$118.9MBILS, VEA, SPY, QQQ, VTI
Q2 2025 53$110.6MBILS, VEA, SPY, QQQ, BSV
Q1 2025 50$99.8MBILS, VEA, SPY, QQQ, BSV
Q4 2024 51$99.3MBIL, VEA, SPY, QQQ, BSV
Q3 2024 48$99.0MBIL, VEA, SPY, QQQ, BSV
Q2 2024 49$91.8MBIL, VEA, SPY, QQQ, BSV
Q1 2024 49$95.4MBIL, VEA, SPY, BSV, QQQ