eCIO, Inc.
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 12, 2025), eCIO, Inc. reported 70 stock positions worth $267.9 million. Its top holding was Schwab S&P 500 Index-Sel (SWPPX) at 23.7% of the portfolio, followed by iShares Core U.S. Aggregate (AGG, 15.3%) and Schwab US DVD Equity ETF (SCHD, 10.0%). Compared with Q2 2025, it opened 9 new positions, sold out of 10, added to 33 and reduced 22. The biggest buy was Bondbloxx BBG 1 Dur US Treas (XONE, shares +300%) and the biggest sale Schwab Intl Equity ETF (SCHF, shares −0%).
- Most Recent 13F
- Q2 2026
- Location
- MADISON, WI
- CIK
- 0001830823
- Portfolio Value
- $267.9M (Q3 2025)
- SEC Filing
- 0001830823-25-000006 ↗ filed Nov 12, 2025
Holdings Value
Holdings 70 stocks · $267.9M
| SWPPX Schwab S&P 500 Index-Sel | 23.68% | 3,673,843 | $63.4M | Add +0.9% |
| AGG iShares Core U.S. Aggregate | 15.32% | 409,287 | $41.0M | Add +7.2% |
| SCHD Schwab US DVD Equity ETF | 9.99% | 979,802 | $26.7M | Add +11.0% |
| SCHF Schwab Intl Equity ETF | 6.46% | 743,781 | $17.3M | Reduce -0.4% |
| BSV Vanguard Short-Term Bond ETF | 5.22% | 177,378 | $14.0M | Add +7.4% |
| SWMCX Schwab US Mid-Cap Index | 5.09% | 929,539 | $13.6M | Add +413.9% |
| IJR iShares Core S&P Small-Cap E | 4.27% | 96,296 | $11.4M | Add +4.4% |
| SUSA iShares ESG Optimized MSCI U | 3.35% | 66,222 | $9.0M | Add +13.8% |
| EAGG iShares ESG Aware US Aggrega | 3.07% | 171,213 | $8.2M | Add +25.7% |
| SCOXX Schwab Trsry Obl MNY-Ult | 2.89% | 7,744,512 | $7.7M | Add +56.1% |
| JAAA Janus Henderson Aaa Clo ETF | 2.34% | 123,364 | $6.3M | Add +8.7% |
| CCLFX Cliffwater Corp. Lndng-I | 1.42% | 353,064 | $3.8M | Add +10.7% |
| IEMG iShares Core MSCI Emerging | 1.28% | 52,049 | $3.4M | Reduce -4.6% |
| ESML iShares ESG Aware MSCI USA S | 1.22% | 72,635 | $3.3M | Add +7.9% |
| VBIL Vanguard 0-3M T-Bill ETF | 1.18% | 41,819 | $3.2M | Add +76.7% |
| SNPD Xtrackers S&P Dividend Arist | 1.15% | 114,944 | $3.1M | Add +20.8% |
| XONE Bondbloxx BBG 1 Dur US Treas | 1.12% | 60,540 | $3.0M | Add +299.7% |
| ISTB iShares Core 1-5 Year Usd Bo | 1.01% | 55,370 | $2.7M | Add +2.6% |
| ESGD iShares Trust iShares ESG Aw | 0.99% | 28,658 | $2.7M | Add +16.9% |
| SNOXX Schwab Trsry Obl MNY-Inv | 0.82% | 2,197,190 | $2.2M | Reduce -2.3% |
| XHLF Bondbloxx BBG 6 MTH US Treas | 0.69% | 36,404 | $1.8M | New |
| VGSH Vanguard Short-Term Treasury | 0.56% | 25,449 | $1.5M | Add +23.5% |
| SUSB iShares ESG Aware 1-5 Year U | 0.50% | 53,224 | $1.3M | Add +25.8% |
| NUDV Nuveen ESG Dividend ETF | 0.46% | 42,573 | $1.2M | Add +5.5% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 0.44% | 21,261 | $1.2M | Reduce -9.0% |
| BND Vanguard Total Bond Market | 0.39% | 13,991 | $1.0M | Add +7.5% |
| SUTXX Schwab US Treasury Money-Ult | 0.34% | 918,973 | $919K | Reduce -10.0% |
| SCHC Schwab Intl Small-Cap Equity | 0.32% | 18,774 | $854K | Reduce -10.1% |
| VOO Vanguard S&P 500 ETF | 0.30% | 1,308 | $801K | Reduce -8.9% |
| VTI VG Morningstar TS MKT ETF-US | 0.30% | 2,435 | $799K | Reduce -3.7% |
| ESGE iShares Inc. iShares ESG Awar | 0.27% | 16,872 | $733K | Add +12.6% |
| LLY Eli Lilly & Co. | 0.27% | 938 | $716K | Add +5.9% |
| USXF iShares ESG Advance MSCI USA | 0.25% | 11,723 | $672K | Reduce -10.2% |
| SNVXX Schwab Govt MNY FND-Inv | 0.21% | 555,037 | $555K | Add +104.6% |
| GOOG Alphabet Inc. Class C | 0.20% | 2,184 | $532K | Add +2.0% |
| SCHR Schwab Intermediate-Term US | 0.19% | 19,985 | $502K | Add +4.4% |
| AMZN Amazon.com Inc. | 0.17% | 2,111 | $464K | Add +19.3% |
| MSFT Microsoft Corp. | 0.16% | 838 | $434K | Add +26.4% |
| CPEFX Cascade Private Capital-I | 0.15% | 19,757 | $395K | No change |
| TXN Texas Instruments Inc. | 0.13% | 1,859 | $342K | Reduce -13.2% |
| EFAX State Street SPDR MSCI Eafe | 0.13% | 6,907 | $341K | Reduce -5.6% |
| ACGL Arch Capital Group Ltd. | 0.11% | 3,224 | $293K | Add +2.1% |
| LOW Lowe's Cos Inc. | 0.11% | 1,137 | $286K | Reduce -15.2% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.10% | 5,064 | $269K | Add +15.0% |
| ORCL Oracle Corp. | 0.10% | 912 | $257K | New |
| BLK BlackRock Inc. | 0.09% | 215 | $251K | Reduce -12.2% |
| VTIP Vanguard Short-Term Tips | 0.09% | 4,905 | $248K | Add +10.4% |
| VT Vanguard Tot World STK ETF | 0.09% | 1,785 | $246K | Reduce -1.6% |
| JPM JPMorgan Chase & Co. | 0.09% | 767 | $242K | Reduce -5.2% |
| NEE Nextera Energy Inc. | 0.09% | 3,202 | $242K | Reduce -12.6% |
| JNJ Johnson & Johnson | 0.09% | 1,296 | $240K | Reduce -3.1% |
| VEU Vanguard Ftse All-World Ex-U | 0.09% | 3,201 | $228K | Reduce -1.3% |
| HD Home Depot Inc. | 0.08% | 559 | $227K | Reduce -12.2% |
| APH Amphenol Corp. Class A | 0.08% | 1,733 | $214K | New |
| MS Morgan Stanley | 0.08% | 1,338 | $213K | Reduce -6.2% |
| ADI Analog Devices Inc. | 0.08% | 865 | $213K | Reduce -14.1% |
| SWVXX Schwa Prime Adv Money FD-Inv filed as SCHWAB PRIME ADVANTAGE MONEY INVESTOR | 0.05% | 128,295 | $128K | Add +39.4% |
| LFRAX Lord Abbett Floating Rate-A | 0.04% | 12,997 | $105K | New |
| FKIQX Franklin Income Fund-A | 0.04% | 38,194 | $94K | New |
| ECSIX Eaton Vance Strat Inc. Class C | 0.03% | 13,905 | $90K | New |
| MIOCX MFS Income Fund-C | 0.03% | 13,370 | $80K | New |
| ETSIX Eaton Vance Strat Inc. Class A | 0.03% | 11,072 | $76K | New |
| SYSCO CORPORATION (SYY 5.1 09/23/30) | 0.03% | 71,000 | $73K | Add +446.1% |
| VERIZON COMMUNICATIONS (VZ 0.85 11/20/25) | 0.02% | 50,000 | $50K | New |
| DELL INT LLC / EMC CORP (DELL 4.35 02/01/30) | 0.02% | 47,000 | $47K | No change |
| AMAZON.COM INC (AMZN 4.55 12/01/27) | 0.01% | 35,000 | $36K | No change |
| JPMORGAN CHASE & CO (JPM V6.07 10/22/27) | 0.01% | 25,000 | $26K | No change |
| WELLS FARGO & COMPANY (WFC V5.557 07/25/34 MTN) | 0.01% | 24,000 | $25K | Reduce -40.0% |
| CITIGROUP INC (C V4.658 05/24/28) | 0.01% | 20,000 | $20K | No change |
| DUKE ENERGY CORP (DUK 4.85 01/05/27) | 0.01% | 15,000 | $15K | No change |
Portfolio Sells Q2 2025 → Q3 2025
| SCHF Schwab Intl Equity ETF | Reduce -0.4% | 6.46% | −0.50 |
| SNOXX Schwab Trsry Obl MNY-Inv | Reduce -2.3% | 0.82% | −0.13 |
| ADP Automatic Data Processing | Sold out | 0.00% | −0.10 |
| CME Cme Group Inc. | Sold out | 0.00% | −0.10 |
| IEMG iShares Core MSCI Emerging | Reduce -4.6% | 1.28% | −0.10 |
| HON Honeywell International Inc. | Sold out | 0.00% | −0.10 |
| MRSH Marsh & McLennan Cos | Sold out | 0.00% | −0.10 |
| ELV Elevance Health Inc. | Sold out | 0.00% | −0.09 |
| SNSXX Schwab US Treasury Money-Inv | Sold out | 0.00% | −0.09 |
| V Visa Inc. Class A | Sold out | 0.00% | −0.09 |
| SUTXX Schwab US Treasury Money-Ult | Reduce -10.0% | 0.34% | −0.09 |
| FAST Fastenal Co. | Sold out | 0.00% | −0.09 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Reduce -9.0% | 0.44% | −0.07 |
| TXN Texas Instruments Inc. | Reduce -13.2% | 0.13% | −0.06 |
| SCHC Schwab Intl Small-Cap Equity | Reduce -10.1% | 0.32% | −0.06 |
| USXF iShares ESG Advance MSCI USA | Reduce -10.2% | 0.25% | −0.05 |
| VOO Vanguard S&P 500 ETF | Reduce -8.9% | 0.30% | −0.04 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -3.7% | 0.30% | −0.03 |
| ADI Analog Devices Inc. | Reduce -14.1% | 0.08% | −0.02 |
| JPMORGAN CHASE & CO (JPM 7.75 07/15/25) | Sold out | 0.00% | −0.02 |
| EFAX State Street SPDR MSCI Eafe | Reduce -5.6% | 0.13% | −0.02 |
| LOW Lowe's Cos Inc. | Reduce -15.2% | 0.11% | −0.02 |
| NEE Nextera Energy Inc. | Reduce -12.6% | 0.09% | −0.02 |
| BLK BlackRock Inc. | Reduce -12.2% | 0.09% | −0.01 |
| HD Home Depot Inc. | Reduce -12.2% | 0.08% | −0.01 |
| JPM JPMorgan Chase & Co. | Reduce -5.2% | 0.09% | −0.01 |
| T-MOBILE USA INC (TMUS 5.375 04/15/27) | Sold out | 0.00% | −0.01 |
| WELLS FARGO & COMPANY (WFC V5.557 07/25/34 MTN) | Reduce -40.0% | 0.01% | −0.01 |
| VEU Vanguard Ftse All-World Ex-U | Reduce -1.3% | 0.09% | −0.01 |
| VT Vanguard Tot World STK ETF | Reduce -1.6% | 0.09% | −0.01 |
| MS Morgan Stanley | Reduce -6.2% | 0.08% | −0.01 |
| JNJ Johnson & Johnson | Reduce -3.1% | 0.09% | +0.00 |
Portfolio Buys Q2 2025 → Q3 2025
| XONE Bondbloxx BBG 1 Dur US Treas | Add +299.7% | 1.12% | +0.81 |
| SCOXX Schwab Trsry Obl MNY-Ult | Add +56.1% | 2.89% | +0.80 |
| XHLF Bondbloxx BBG 6 MTH US Treas | New | 0.69% | +0.69 |
| VBIL Vanguard 0-3M T-Bill ETF | Add +76.7% | 1.18% | +0.43 |
| EAGG iShares ESG Aware US Aggrega | Add +25.7% | 3.07% | +0.34 |
| SUSA iShares ESG Optimized MSCI U | Add +13.8% | 3.35% | +0.24 |
| SCHD Schwab US DVD Equity ETF | Add +11.0% | 9.99% | +0.12 |
| SNPD Xtrackers S&P Dividend Arist | Add +20.8% | 1.15% | +0.10 |
| ORCL Oracle Corp. | New | 0.10% | +0.10 |
| SNVXX Schwab Govt MNY FND-Inv | Add +104.6% | 0.21% | +0.09 |
| APH Amphenol Corp. Class A | New | 0.08% | +0.08 |
| ESGD iShares Trust iShares ESG Aw | Add +16.9% | 0.99% | +0.07 |
| SUSB iShares ESG Aware 1-5 Year U | Add +25.8% | 0.50% | +0.05 |
| ESML iShares ESG Aware MSCI USA S | Add +7.9% | 1.22% | +0.05 |
| VGSH Vanguard Short-Term Treasury | Add +23.5% | 0.56% | +0.05 |
| LFRAX Lord Abbett Floating Rate-A | New | 0.04% | +0.04 |
| GOOG Alphabet Inc. Class C | Add +2.0% | 0.20% | +0.04 |
| FKIQX Franklin Income Fund-A | New | 0.04% | +0.04 |
| ECSIX Eaton Vance Strat Inc. Class C | New | 0.03% | +0.03 |
| MIOCX MFS Income Fund-C | New | 0.03% | +0.03 |
| ETSIX Eaton Vance Strat Inc. Class A | New | 0.03% | +0.03 |
| ESGE iShares Inc. iShares ESG Awar | Add +12.6% | 0.27% | +0.03 |
| MSFT Microsoft Corp. | Add +26.4% | 0.16% | +0.02 |
| SYSCO CORPORATION (SYY 5.1 09/23/30) | Add +446.1% | 0.03% | +0.02 |
| IJR iShares Core S&P Small-Cap E | Add +4.4% | 4.27% | +0.02 |
| VERIZON COMMUNICATIONS (VZ 0.85 11/20/25) | New | 0.02% | +0.02 |
| AMZN Amazon.com Inc. | Add +19.3% | 0.17% | +0.01 |
| SWVXX Schwa Prime Adv Money FD-Inv | Add +39.4% | 0.05% | +0.01 |
| IGSB iShares 1-5Y Inv Grade Corp. | Add +15.0% | 0.10% | +0.00 |
| VTIP Vanguard Short-Term Tips | Add +10.4% | 0.09% | −0.00 |
| ACGL Arch Capital Group Ltd. | Add +2.1% | 0.11% | −0.01 |
| SCHR Schwab Intermediate-Term US | Add +4.4% | 0.19% | −0.01 |
| BND Vanguard Total Bond Market | Add +7.5% | 0.39% | −0.02 |
| NUDV Nuveen ESG Dividend ETF | Add +5.5% | 0.46% | −0.02 |
| LLY Eli Lilly & Co. | Add +5.9% | 0.27% | −0.02 |
| CCLFX Cliffwater Corp. Lndng-I | Add +10.7% | 1.42% | −0.04 |
| JAAA Janus Henderson Aaa Clo ETF | Add +8.7% | 2.34% | −0.09 |
| ISTB iShares Core 1-5 Year Usd Bo | Add +2.6% | 1.01% | −0.10 |
| SWMCX Schwab US Mid-Cap Index | Add +413.9% | 5.09% | −0.22 |
| BSV Vanguard Short-Term Bond ETF | Add +7.4% | 5.22% | −0.26 |
| AGG iShares Core U.S. Aggregate | Add +7.2% | 15.32% | −0.66 |
| SWPPX Schwab S&P 500 Index-Sel | Add +0.9% | 23.68% | −0.85 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 46 | $355.9M | SWPPX, AGG, SCHD, SCHF, BSV |
| Q1 2026 | 42 | $227.6M | AGG, SCHD, SCHF, BSV, VMBS |
| Q4 2025 | 190 | $214.7M | AGG, SCHD, SCHF, BSV, SWMCX |
| Q3 2025 | 70 | $267.9M | SWPPX, AGG, SCHD, SCHF, BSV |
| Q2 2025 | 71 | $237.2M | SWPPX, AGG, SCHD, SCHF, BSV |
| Q1 2025 | 404 | $249.7M | SWPPX, AGG, SCHD, SCHF, BSV |