Flower City Capital
In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 15, 2024), Flower City Capital reported 33 stock positions worth $170.3 million. Its top holding was Vanguard Russell 1000 (VONE) at 32.7% of the portfolio, followed by Vanguard Ftse All-World Ex-U (VEU, 25.5%) and Vanguard Total Bond Market (BND, 11.4%). Compared with Q2 2024, it opened 3 new positions, sold out of 2, added to 5 and reduced 21. The biggest buy was Vanguard Ftse All-World Ex-U (VEU, shares +9%) and the biggest sale Vanguard Total Bond Market (BND, shares −4%).
- Most Recent 13F
- Q2 2026
- Location
- PITTSFORD, NY
- CIK
- 0001808394
- Portfolio Value
- $170.3M (Q3 2024)
- SEC Filing
- 0001808394-24-000007 ↗ filed Oct 15, 2024
Holdings Value
Holdings 33 stocks · $170.3M
| VONE Vanguard Russell 1000 | 32.70% | 214,132 | $55.7M | Add +5.3% |
| VEU Vanguard Ftse All-World Ex-U | 25.54% | 690,431 | $43.5M | Add +8.9% |
| BND Vanguard Total Bond Market | 11.39% | 258,176 | $19.4M | Reduce -4.0% |
| VOO Vanguard S&P 500 ETF | 6.82% | 21,936 | $11.6M | Reduce -0.6% |
| IVV iShares Core S&P 500 ETF | 4.43% | 13,082 | $7.5M | Reduce -0.5% |
| EFA iShares MSCI Eafe ETF | 3.09% | 62,858 | $5.3M | Reduce -0.1% |
| VSS Vanguard Ftse All Wo X-US SC | 2.81% | 37,998 | $4.8M | Add +9.9% |
| VIOO Vanguard S&P Small-Cap 600 E | 2.14% | 33,737 | $3.6M | Reduce -0.6% |
| AAPL Apple Inc. | 1.87% | 13,638 | $3.2M | Add +23.7% |
| SCHX Schwab US Large-Cap ETF | 1.75% | 44,012 | $3.0M | Reduce -1.7% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.79% | 19,980 | $1.3M | Reduce -2.7% |
| VEA Vanguard Ftse Developed ETF | 0.76% | 24,548 | $1.3M | Reduce -0.7% |
| MSFT Microsoft Corp. | 0.73% | 2,897 | $1.2M | Reduce -0.9% |
| VTI VG Morningstar TS MKT ETF-US | 0.62% | 3,688 | $1.0M | Reduce -2.4% |
| SCHF Schwab Intl Equity ETF | 0.60% | 25,020 | $1.0M | Reduce -2.7% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.36% | 1,610 | $618K | No change |
| VXUS Vanguard Total Intl Stock | 0.34% | 8,899 | $576K | Reduce -1.1% |
| NVDA Nvidia Corp. | 0.32% | 4,494 | $546K | Reduce -19.2% |
| AMZN Amazon.com Inc. | 0.32% | 2,892 | $539K | No change |
| HD Home Depot Inc. | 0.27% | 1,145 | $464K | No change |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.26% | 15,090 | $440K | Reduce -4.8% |
| VT Vanguard Tot World STK ETF | 0.24% | 3,456 | $414K | Add +1.6% |
| GOOGL Alphabet Inc. Class A | 0.22% | 2,309 | $383K | Reduce -1.8% |
| IWM iShares Russell 2000 ETF | 0.21% | 1,645 | $363K | Reduce -7.0% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.19% | 1,391 | $331K | Reduce -0.4% |
| AON Aon PLC Class A | 0.17% | 860 | $298K | New |
| BRK.B Berkshire Hathaway Inc. Class B | 0.17% | 632 | $291K | New |
| SCHA Schwab US Small-Cap ETF | 0.17% | 5,496 | $283K | Reduce -1.5% |
| JPM JPMorgan Chase & Co. | 0.15% | 1,211 | $255K | Reduce -9.0% |
| IYW iShares Ustechnology ETF | 0.14% | 1,620 | $246K | No change |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.14% | 927 | $244K | Reduce -20.6% |
| GOOG Alphabet Inc. Class C | 0.14% | 1,410 | $236K | Reduce -9.7% |
| TSLA Tesla Inc. | 0.13% | 834 | $218K | New |
Portfolio Sells Q2 2024 → Q3 2024
| BND Vanguard Total Bond Market | Reduce -4.0% | 11.39% | −1.12 |
| VOO Vanguard S&P 500 ETF | Reduce -0.6% | 6.82% | −0.33 |
| IVV iShares Core S&P 500 ETF | Reduce -0.5% | 4.43% | −0.21 |
| AXSM Axsome Therapeutics Inc. | Sold out | 0.00% | −0.16 |
| CSCO Cisco Systems Inc. | Sold out | 0.00% | −0.15 |
| NVDA Nvidia Corp. | Reduce -19.2% | 0.32% | −0.12 |
| MSFT Microsoft Corp. | Reduce -0.9% | 0.73% | −0.11 |
| SCHX Schwab US Large-Cap ETF | Reduce -1.7% | 1.75% | −0.11 |
| EFA iShares MSCI Eafe ETF | Reduce -0.1% | 3.09% | −0.09 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -2.7% | 0.79% | −0.06 |
| GOOGL Alphabet Inc. Class A | Reduce -1.8% | 0.22% | −0.05 |
| GOOG Alphabet Inc. Class C | Reduce -9.7% | 0.14% | −0.05 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -2.4% | 0.62% | −0.04 |
| SCHF Schwab Intl Equity ETF | Reduce -2.7% | 0.60% | −0.04 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -20.6% | 0.14% | −0.04 |
| VEA Vanguard Ftse Developed ETF | Reduce -0.7% | 0.76% | −0.03 |
| JPM JPMorgan Chase & Co. | Reduce -9.0% | 0.15% | −0.02 |
| IWM iShares Russell 2000 ETF | Reduce -7.0% | 0.21% | −0.02 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -4.8% | 0.26% | −0.01 |
| VXUS Vanguard Total Intl Stock | Reduce -1.1% | 0.34% | −0.01 |
| VIOO Vanguard S&P Small-Cap 600 E | Reduce -0.6% | 2.14% | −0.01 |
| SCHA Schwab US Small-Cap ETF | Reduce -1.5% | 0.17% | −0.01 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -0.4% | 0.19% | −0.00 |
Portfolio Buys Q2 2024 → Q3 2024
| VEU Vanguard Ftse All-World Ex-U | Add +8.9% | 25.54% | +1.54 |
| AAPL Apple Inc. | Add +23.7% | 1.87% | +0.37 |
| VONE Vanguard Russell 1000 | Add +5.3% | 32.70% | +0.29 |
| VSS Vanguard Ftse All Wo X-US SC | Add +9.9% | 2.81% | +0.19 |
| AON Aon PLC Class A | New | 0.17% | +0.17 |
| BRK.B Berkshire Hathaway Inc. Class B | New | 0.17% | +0.17 |
| TSLA Tesla Inc. | New | 0.13% | +0.13 |
| VT Vanguard Tot World STK ETF | Add +1.6% | 0.24% | −0.00 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 49 | $227.1M | VONE, VEU, VOO, IVV, VSS |
| Q1 2026 | 46 | $199.3M | VONE, VEU, VOO, IVV, VSS |
| Q4 2025 | 44 | $196.1M | VONE, VEU, VOO, IVV, VSS |
| Q3 2025 | 43 | $186.0M | VONE, VEU, VOO, IVV, VSS |
| Q2 2025 | 39 | $169.6M | VONE, VEU, VOO, IVV, VSS |
| Q1 2025 | 38 | $152.5M | VONE, VEU, VOO, IVV, EFA |
| Q4 2024 | 34 | $163.5M | VONE, VEU, BND, VOO, IVV |
| Q3 2024 | 33 | $170.3M | VONE, VEU, BND, VOO, IVV |
| Q2 2024 | 32 | $154.9M | VONE, VEU, BND, VOO, IVV |
| Q1 2024 | 32 | $150.5M | VONE, VEU, BND, VOO, IVV |