eCIO, Inc.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 20, 2026), eCIO, Inc. reported 190 stock positions worth $214.7 million. Its top holding was iShares Core U.S. Aggregate (AGG) at 16.0% of the portfolio, followed by Schwab US DVD Equity ETF (SCHD, 13.9%) and Schwab Intl Equity ETF (SCHF, 9.0%). Compared with Q3 2025, it opened 137 new positions, sold out of 17, added to 21 and reduced 29. The biggest buy was a new position in Vanguard Mortgage-Backed Sec (VMBS) and the biggest sale an exit from Schwab S&P 500 Index-Sel (SWPPX).
- Most Recent 13F
- Q2 2026
- Location
- MADISON, WI
- CIK
- 0001830823
- Portfolio Value
- $214.7M (Q4 2025)
- SEC Filing
- 0001830823-26-000001 ↗ filed Jan 20, 2026
Holdings Value
Holdings 190 stocks · $214.7M
| AGG iShares Core U.S. Aggregate | 15.95% | 342,999 | $34.3M | Reduce -16.2% |
| SCHD Schwab US DVD Equity ETF | 13.90% | 1,088,202 | $29.8M | Add +11.1% |
| SCHF Schwab Intl Equity ETF | 9.00% | 804,318 | $19.3M | Add +8.1% |
| BSV Vanguard Short-Term Bond ETF | 7.08% | 193,008 | $15.2M | Add +8.8% |
| SWMCX Schwab US Mid-Cap Index | 5.81% | 866,702 | $12.5M | Reduce -6.8% |
| VMBS Vanguard Mortgage-Backed Sec | 5.53% | 252,033 | $11.9M | New |
| IJR iShares Core S&P Small-Cap E | 5.18% | 92,618 | $11.1M | Reduce -3.8% |
| SUSA iShares ESG Optimized MSCI U | 4.28% | 66,030 | $9.2M | Reduce -0.3% |
| JAAA Janus Henderson Aaa Clo ETF | 4.05% | 171,732 | $8.7M | Add +39.2% |
| EAGG iShares ESG Aware US Aggrega | 2.98% | 133,860 | $6.4M | Reduce -21.8% |
| VBIL Vanguard 0-3M T-Bill ETF | 2.66% | 75,648 | $5.7M | Add +80.9% |
| IEMG iShares Core MSCI Emerging | 2.26% | 72,136 | $4.8M | Add +38.6% |
| XHLF Bondbloxx BBG 6 MTH US Treas | 1.94% | 82,929 | $4.2M | Add +127.8% |
| XONE Bondbloxx BBG 1 Dur US Treas | 1.81% | 78,369 | $3.9M | Add +29.4% |
| ESML iShares ESG Aware MSCI USA S | 1.53% | 71,501 | $3.3M | Reduce -1.6% |
| SNPD Xtrackers S&P Dividend Arist | 1.42% | 113,849 | $3.1M | Reduce -0.9% |
| ESGD iShares Trust iShares ESG Aw | 1.28% | 28,827 | $2.7M | Add +0.6% |
| ISTB iShares Core 1-5 Year Usd Bo | 1.26% | 55,343 | $2.7M | Reduce -0.1% |
| VGSH Vanguard Short-Term Treasury | 0.72% | 26,437 | $1.6M | Add +3.9% |
| NUDV Nuveen ESG Dividend ETF | 0.69% | 49,798 | $1.5M | Add +17.0% |
| SUSB iShares ESG Aware 1-5 Year U | 0.65% | 55,448 | $1.4M | Add +4.2% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 0.54% | 20,586 | $1.2M | Reduce -3.2% |
| BND Vanguard Total Bond Market | 0.51% | 14,890 | $1.1M | Add +6.4% |
| LLY Eli Lilly & Co. | 0.43% | 868 | $933K | Reduce -7.5% |
| VTI VG Morningstar TS MKT ETF-US | 0.38% | 2,440 | $818K | Add +0.2% |
| ESGE iShares Inc. iShares ESG Awar | 0.34% | 16,338 | $722K | Reduce -3.2% |
| USXF iShares ESG Advance MSCI USA | 0.33% | 12,133 | $699K | Add +3.5% |
| SCHR Schwab Intermediate-Term US | 0.24% | 20,246 | $508K | Add +1.3% |
| GOOG Alphabet Inc. Class C | 0.23% | 1,590 | $499K | Reduce -27.2% |
| CPEFX Cascade Private Capital-I | 0.19% | 20,368 | $411K | Add +3.1% |
| IUSV iShares Core S&P U.S. Value | 0.17% | 3,657 | $375K | New |
| EFAX State Street SPDR MSCI Eafe | 0.17% | 7,035 | $355K | Add +1.9% |
| EXAS Exact Sciences Corp. | 0.16% | 3,345 | $340K | New |
| MSFT Microsoft Corp. | 0.15% | 674 | $326K | Reduce -19.6% |
| AMZN Amazon.com Inc. | 0.15% | 1,366 | $315K | Reduce -35.3% |
| VGT Vanguard Info Tech ETF | 0.14% | 385 | $290K | New |
| TXN Texas Instruments Inc. | 0.12% | 1,538 | $267K | Reduce -17.3% |
| VT Vanguard Tot World STK ETF | 0.12% | 1,799 | $254K | Add +0.8% |
| VTIP Vanguard Short-Term Tips | 0.12% | 5,123 | $253K | Add +4.4% |
| JNJ Johnson & Johnson | 0.12% | 1,204 | $249K | Reduce -7.1% |
| VEU Vanguard Ftse All-World Ex-U | 0.11% | 3,256 | $239K | Add +1.7% |
| NEE Nextera Energy Inc. | 0.11% | 2,964 | $238K | Reduce -7.4% |
| HON Honeywell International Inc. | 0.11% | 1,198 | $234K | New |
| ADI Analog Devices Inc. | 0.11% | 850 | $231K | Reduce -1.7% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.11% | 4,292 | $227K | Reduce -15.2% |
| LOW Lowe's Cos Inc. | 0.11% | 941 | $227K | Reduce -17.2% |
| BLK BlackRock Inc. | 0.10% | 200 | $214K | Reduce -7.0% |
| SMH Vaneck Semiconductor ETF | 0.10% | 584 | $210K | New |
| XOM Exxon Mobil Corp. | 0.10% | 1,701 | $205K | New |
| CVX Chevron Corp. | 0.10% | 1,340 | $204K | New |
| CME Cme Group Inc. | 0.09% | 718 | $196K | New |
| JPM JPMorgan Chase & Co. | 0.09% | 589 | $190K | Reduce -23.2% |
| HD Home Depot Inc. | 0.08% | 522 | $180K | Reduce -6.6% |
| TEL Te Connectivity PLC | 0.08% | 769 | $175K | New |
| MS Morgan Stanley | 0.08% | 941 | $167K | Reduce -29.7% |
| ACGL Arch Capital Group Ltd. | 0.08% | 1,687 | $162K | Reduce -47.7% |
| UNP Union Pacific Corp. | 0.07% | 693 | $160K | New |
| ABBV Abbvie Inc. | 0.07% | 693 | $158K | New |
| MDT Medtronic PLC | 0.07% | 1,605 | $154K | New |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.07% | 2,671 | $147K | New |
| ADP Automatic Data Processing | 0.07% | 563 | $145K | New |
| ITW Illinois Tool Works | 0.07% | 583 | $144K | New |
| V Visa Inc. Class A | 0.06% | 394 | $138K | New |
| DHR Danaher Corp. | 0.06% | 602 | $138K | New |
| ORCL Oracle Corp. | 0.06% | 706 | $138K | Reduce -22.6% |
| XLY SS Consumer Disc Select Sect | 0.06% | 1,136 | $136K | New |
| ABT Abbott Laboratories | 0.06% | 1,073 | $134K | New |
| MRSH Marsh & McLennan Cos | 0.06% | 724 | $134K | New |
| MCD McDonald's Corp. | 0.06% | 435 | $133K | New |
| KEYS Keysight Technologies Inc. | 0.06% | 653 | $133K | New |
| ERBIX Eaton Vance Eq Strategy FD-I | 0.06% | 7,285 | $132K | New |
| QCOM Qualcomm Inc. | 0.06% | 761 | $130K | New |
| XLC SS Comm Select Sector SPDR | 0.06% | 1,086 | $128K | New |
| PG The Procter & Gamble Co. | 0.06% | 885 | $127K | New |
| DGRO iShares Core Dividend Growth | 0.06% | 1,807 | $125K | New |
| EOG EOG Resources Inc. | 0.06% | 1,139 | $120K | New |
| FERG Ferguson Enterprises Inc. | 0.05% | 528 | $118K | New |
| VNQ Vanguard Real Estate ETF | 0.05% | 1,320 | $117K | New |
| PH Parker Hannifin Corp. | 0.05% | 131 | $115K | New |
| ROST Ross Stores Inc. | 0.05% | 632 | $114K | New |
| DE Deere & Co. | 0.05% | 241 | $112K | New |
| AAPL Apple Inc. | 0.05% | 412 | $112K | New |
| FAST Fastenal Co. | 0.05% | 2,766 | $111K | New |
| MAILX BlackRock International-I | 0.05% | 4,892 | $108K | New |
| SPGP Invesco S&P 500 Garp ETF | 0.05% | 952 | $108K | New |
| PCAR Paccar Inc. | 0.05% | 963 | $105K | New |
| VYM Vanguard High DVD Yield ETF | 0.05% | 725 | $104K | New |
| PGR Progressive Corp. | 0.05% | 455 | $104K | New |
| PEP Pepsico Inc. | 0.05% | 717 | $103K | New |
| SDOG Alps Sector Dividend Dogs | 0.05% | 1,634 | $99K | New |
| A Agilent Technologies Inc. | 0.05% | 716 | $97K | New |
| JEPI JPMorgan Equity Premium Inco | 0.05% | 1,696 | $97K | New |
| SCHW Schwab (charles) Corp. | 0.04% | 966 | $97K | New |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.04% | 620 | $95K | New |
| ROK Rockwell Automation Inc. | 0.04% | 223 | $87K | New |
| BN Brookfield Corp. | 0.04% | 1,870 | $86K | New |
| CMI Cummins Inc. | 0.04% | 168 | $86K | New |
| ACN Accenture PLC Class A | 0.04% | 311 | $83K | New |
| APH Amphenol Corp. Class A | 0.04% | 609 | $82K | Reduce -64.9% |
| HSY The Hershey Co. | 0.04% | 442 | $80K | New |
Portfolio Sells Q3 2025 → Q4 2025
| SWPPX Schwab S&P 500 Index-Sel | Sold out | 0.00% | −23.68 |
| SCOXX Schwab Trsry Obl MNY-Ult | Sold out | 0.00% | −2.89 |
| CCLFX Cliffwater Corp. Lndng-I | Sold out | 0.00% | −1.42 |
| SNOXX Schwab Trsry Obl MNY-Inv | Sold out | 0.00% | −0.82 |
| SUTXX Schwab US Treasury Money-Ult | Sold out | 0.00% | −0.34 |
| SCHC Schwab Intl Small-Cap Equity | Reduce -98.6% | 0.01% | −0.31 |
| VOO Vanguard S&P 500 ETF | Sold out | 0.00% | −0.30 |
| SNVXX Schwab Govt MNY FND-Inv | Sold out | 0.00% | −0.21 |
| EAGG iShares ESG Aware US Aggrega | Reduce -21.8% | 2.98% | −0.09 |
| SWVXX Schwa Prime Adv Money FD-Inv | Sold out | 0.00% | −0.05 |
| APH Amphenol Corp. Class A | Reduce -64.9% | 0.04% | −0.04 |
| LFRAX Lord Abbett Floating Rate-A | Sold out | 0.00% | −0.04 |
| FKIQX Franklin Income Fund-A | Sold out | 0.00% | −0.04 |
| ACGL Arch Capital Group Ltd. | Reduce -47.7% | 0.08% | −0.03 |
| ECSIX Eaton Vance Strat Inc. Class C | Sold out | 0.00% | −0.03 |
| ORCL Oracle Corp. | Reduce -22.6% | 0.06% | −0.03 |
| MIOCX MFS Income Fund-C | Sold out | 0.00% | −0.03 |
| ETSIX Eaton Vance Strat Inc. Class A | Sold out | 0.00% | −0.03 |
| SYSCO CORPORATION (SYY 5.1 09/23/30) | Sold out | 0.00% | −0.03 |
| AMZN Amazon.com Inc. | Reduce -35.3% | 0.15% | −0.03 |
| VERIZON COMMUNICATIONS (VZ 0.85 11/20/25) | Sold out | 0.00% | −0.02 |
| AMAZON.COM INC (AMZN 4.55 12/01/27) | Sold out | 0.00% | −0.01 |
| MSFT Microsoft Corp. | Reduce -19.6% | 0.15% | −0.01 |
| CITIGROUP INC (C V4.658 05/24/28) | Sold out | 0.00% | −0.01 |
| TXN Texas Instruments Inc. | Reduce -17.3% | 0.12% | −0.00 |
| WELLS FARGO & COMPANY (WFC V5.557 07/25/34 MTN) | Reduce -37.5% | 0.01% | −0.00 |
| JPM JPMorgan Chase & Co. | Reduce -23.2% | 0.09% | −0.00 |
| MS Morgan Stanley | Reduce -29.7% | 0.08% | −0.00 |
| LOW Lowe's Cos Inc. | Reduce -17.2% | 0.11% | −0.00 |
| HD Home Depot Inc. | Reduce -6.6% | 0.08% | −0.00 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -15.2% | 0.11% | +0.01 |
| BLK BlackRock Inc. | Reduce -7.0% | 0.10% | +0.01 |
| NEE Nextera Energy Inc. | Reduce -7.4% | 0.11% | +0.02 |
| JNJ Johnson & Johnson | Reduce -7.1% | 0.12% | +0.03 |
| ADI Analog Devices Inc. | Reduce -1.7% | 0.11% | +0.03 |
| GOOG Alphabet Inc. Class C | Reduce -27.2% | 0.23% | +0.03 |
| ESGE iShares Inc. iShares ESG Awar | Reduce -3.2% | 0.34% | +0.06 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Reduce -3.2% | 0.54% | +0.10 |
| LLY Eli Lilly & Co. | Reduce -7.5% | 0.43% | +0.17 |
| ISTB iShares Core 1-5 Year Usd Bo | Reduce -0.1% | 1.26% | +0.25 |
| SNPD Xtrackers S&P Dividend Arist | Reduce -0.9% | 1.42% | +0.27 |
| ESML iShares ESG Aware MSCI USA S | Reduce -1.6% | 1.53% | +0.31 |
| AGG iShares Core U.S. Aggregate | Reduce -16.2% | 15.95% | +0.64 |
| SWMCX Schwab US Mid-Cap Index | Reduce -6.8% | 5.81% | +0.72 |
| IJR iShares Core S&P Small-Cap E | Reduce -3.8% | 5.18% | +0.91 |
| SUSA iShares ESG Optimized MSCI U | Reduce -0.3% | 4.28% | +0.93 |
Portfolio Buys Q3 2025 → Q4 2025
| VMBS Vanguard Mortgage-Backed Sec | New | 5.53% | +5.53 |
| SCHD Schwab US DVD Equity ETF | Add +11.1% | 13.90% | +3.92 |
| SCHF Schwab Intl Equity ETF | Add +8.1% | 9.00% | +2.54 |
| BSV Vanguard Short-Term Bond ETF | Add +8.8% | 7.08% | +1.86 |
| JAAA Janus Henderson Aaa Clo ETF | Add +39.2% | 4.05% | +1.71 |
| VBIL Vanguard 0-3M T-Bill ETF | Add +80.9% | 2.66% | +1.48 |
| XHLF Bondbloxx BBG 6 MTH US Treas | Add +127.8% | 1.94% | +1.26 |
| IEMG iShares Core MSCI Emerging | Add +38.6% | 2.26% | +0.98 |
| XONE Bondbloxx BBG 1 Dur US Treas | Add +29.4% | 1.81% | +0.69 |
| ESGD iShares Trust iShares ESG Aw | Add +0.6% | 1.28% | +0.28 |
| NUDV Nuveen ESG Dividend ETF | Add +17.0% | 0.69% | +0.23 |
| IUSV iShares Core S&P U.S. Value | New | 0.17% | +0.17 |
| VGSH Vanguard Short-Term Treasury | Add +3.9% | 0.72% | +0.16 |
| EXAS Exact Sciences Corp. | New | 0.16% | +0.16 |
| SUSB iShares ESG Aware 1-5 Year U | Add +4.2% | 0.65% | +0.15 |
| VGT Vanguard Info Tech ETF | New | 0.14% | +0.14 |
| BND Vanguard Total Bond Market | Add +6.4% | 0.51% | +0.13 |
| HON Honeywell International Inc. | New | 0.11% | +0.11 |
| SMH Vaneck Semiconductor ETF | New | 0.10% | +0.10 |
| XOM Exxon Mobil Corp. | New | 0.10% | +0.10 |
| CVX Chevron Corp. | New | 0.10% | +0.10 |
| CME Cme Group Inc. | New | 0.09% | +0.09 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.2% | 0.38% | +0.08 |
| TEL Te Connectivity PLC | New | 0.08% | +0.08 |
| UNP Union Pacific Corp. | New | 0.07% | +0.07 |
| USXF iShares ESG Advance MSCI USA | Add +3.5% | 0.33% | +0.07 |
| ABBV Abbvie Inc. | New | 0.07% | +0.07 |
| MDT Medtronic PLC | New | 0.07% | +0.07 |
| BAC Bank of America Corp. | New | 0.07% | +0.07 |
| ADP Automatic Data Processing | New | 0.07% | +0.07 |
| ITW Illinois Tool Works | New | 0.07% | +0.07 |
| V Visa Inc. Class A | New | 0.06% | +0.06 |
| DHR Danaher Corp. | New | 0.06% | +0.06 |
| XLY SS Consumer Disc Select Sect | New | 0.06% | +0.06 |
| ABT Abbott Laboratories | New | 0.06% | +0.06 |
| MRSH Marsh & McLennan Cos | New | 0.06% | +0.06 |
| MCD McDonald's Corp. | New | 0.06% | +0.06 |
| KEYS Keysight Technologies Inc. | New | 0.06% | +0.06 |
| ERBIX Eaton Vance Eq Strategy FD-I | New | 0.06% | +0.06 |
| QCOM Qualcomm Inc. | New | 0.06% | +0.06 |
| XLC SS Comm Select Sector SPDR | New | 0.06% | +0.06 |
| PG The Procter & Gamble Co. | New | 0.06% | +0.06 |
| DGRO iShares Core Dividend Growth | New | 0.06% | +0.06 |
| EOG EOG Resources Inc. | New | 0.06% | +0.06 |
| FERG Ferguson Enterprises Inc. | New | 0.05% | +0.05 |
| VNQ Vanguard Real Estate ETF | New | 0.05% | +0.05 |
| PH Parker Hannifin Corp. | New | 0.05% | +0.05 |
| ROST Ross Stores Inc. | New | 0.05% | +0.05 |
| DE Deere & Co. | New | 0.05% | +0.05 |
| AAPL Apple Inc. | New | 0.05% | +0.05 |
Notes & Other Activity Q3 2025 → Q4 2025
Bonds, preferreds, convertibles and warrants; not part of the stock holdings or percentages above.
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 |