Flower City Capital
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 16, 2025), Flower City Capital reported 34 stock positions worth $163.5 million. Its top holding was Vanguard Russell 1000 (VONE) at 34.6% of the portfolio, followed by Vanguard Ftse All-World Ex-U (VEU, 24.3%) and Vanguard Total Bond Market (BND, 10.4%). Compared with Q3 2024, it opened 2 new positions, sold out of 1, added to 5 and reduced 18. The biggest buy was Apple (AAPL, shares +1%) and the biggest sale Vanguard Total Bond Market (BND, shares −8%).
- Most Recent 13F
- Q2 2026
- Location
- PITTSFORD, NY
- CIK
- 0001808394
- Portfolio Value
- $163.5M (Q4 2024)
- SEC Filing
- 0001808394-25-000003 ↗ filed Jan 16, 2025
Holdings Value
Holdings 34 stocks · $163.5M
| VONE Vanguard Russell 1000 | 34.59% | 211,972 | $56.5M | Reduce -1.0% |
| VEU Vanguard Ftse All-World Ex-U | 24.31% | 692,296 | $39.7M | Add +0.3% |
| BND Vanguard Total Bond Market | 10.41% | 236,627 | $17.0M | Reduce -8.3% |
| VOO Vanguard S&P 500 ETF | 7.19% | 21,802 | $11.7M | Reduce -0.6% |
| IVV iShares Core S&P 500 ETF | 4.63% | 12,846 | $7.6M | Reduce -1.8% |
| EFA iShares MSCI Eafe ETF | 2.79% | 60,402 | $4.6M | Reduce -3.9% |
| VSS Vanguard Ftse All Wo X-US SC | 2.66% | 37,946 | $4.3M | Reduce -0.1% |
| AAPL Apple Inc. | 2.12% | 13,832 | $3.5M | Add +1.4% |
| VIOO Vanguard S&P Small-Cap 600 E | 1.97% | 30,292 | $3.2M | Reduce -10.2% |
| SCHX Schwab US Large-Cap ETF | 1.73% | 122,012 | $2.8M | Reduce -7.6% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.82% | 19,444 | $1.3M | Reduce -2.7% |
| MSFT Microsoft Corp. | 0.74% | 2,859 | $1.2M | Reduce -1.3% |
| VEA Vanguard Ftse Developed ETF | 0.71% | 24,417 | $1.2M | Reduce -0.5% |
| VTI VG Morningstar TS MKT ETF-US | 0.61% | 3,442 | $998K | Reduce -6.7% |
| AMZN Amazon.com Inc. | 0.42% | 3,152 | $692K | Add +9.0% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.40% | 1,610 | $661K | No change |
| NVDA Nvidia Corp. | 0.37% | 4,494 | $604K | No change |
| SCHF Schwab Intl Equity ETF | 0.32% | 28,558 | $528K | Reduce -42.9% |
| VXUS Vanguard Total Intl Stock | 0.32% | 8,899 | $524K | No change |
| HD Home Depot Inc. | 0.27% | 1,145 | $445K | No change |
| GOOGL Alphabet Inc. Class A | 0.26% | 2,240 | $424K | Reduce -3.0% |
| VT Vanguard Tot World STK ETF | 0.26% | 3,577 | $420K | Add +3.5% |
| TSLA Tesla Inc. | 0.24% | 961 | $388K | Add +15.2% |
| IWM iShares Russell 2000 ETF | 0.22% | 1,634 | $361K | Reduce -0.7% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.20% | 1,341 | $322K | Reduce -3.6% |
| AON Aon PLC Class A | 0.19% | 860 | $309K | No change |
| JPM JPMorgan Chase & Co. | 0.18% | 1,211 | $290K | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.18% | 632 | $286K | No change |
| GOOG Alphabet Inc. Class C | 0.16% | 1,410 | $269K | No change |
| IYW iShares Ustechnology ETF | 0.16% | 1,620 | $258K | No change |
| AXSM Axsome Therapeutics Inc. | 0.16% | 3,000 | $254K | New |
| GRVY Gravity Co. Ltd.-Sponsored ADR | 0.15% | 4,004 | $253K | New |
| SCHA Schwab US Small-Cap ETF | 0.14% | 8,734 | $226K | Reduce -20.5% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.13% | 818 | $216K | Reduce -11.8% |
Portfolio Sells Q3 2024 → Q4 2024
| BND Vanguard Total Bond Market | Reduce -8.3% | 10.41% | −0.98 |
| EFA iShares MSCI Eafe ETF | Reduce -3.9% | 2.79% | −0.29 |
| SCHF Schwab Intl Equity ETF | Reduce -42.9% | 0.32% | −0.28 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Sold out | 0.00% | −0.26 |
| VIOO Vanguard S&P Small-Cap 600 E | Reduce -10.2% | 1.97% | −0.18 |
| VSS Vanguard Ftse All Wo X-US SC | Reduce -0.1% | 2.66% | −0.15 |
| VEA Vanguard Ftse Developed ETF | Reduce -0.5% | 0.71% | −0.05 |
| SCHA Schwab US Small-Cap ETF | Reduce -20.5% | 0.14% | −0.03 |
| SCHX Schwab US Large-Cap ETF | Reduce -7.6% | 1.73% | −0.02 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -11.8% | 0.13% | −0.01 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -6.7% | 0.61% | −0.00 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -3.6% | 0.20% | +0.00 |
| MSFT Microsoft Corp. | Reduce -1.3% | 0.74% | +0.01 |
| IWM iShares Russell 2000 ETF | Reduce -0.7% | 0.22% | +0.01 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -2.7% | 0.82% | +0.03 |
| GOOGL Alphabet Inc. Class A | Reduce -3.0% | 0.26% | +0.03 |
| IVV iShares Core S&P 500 ETF | Reduce -1.8% | 4.63% | +0.20 |
| VOO Vanguard S&P 500 ETF | Reduce -0.6% | 7.19% | +0.37 |
| VONE Vanguard Russell 1000 | Reduce -1.0% | 34.59% | +1.89 |
Portfolio Buys Q3 2024 → Q4 2024
| AAPL Apple Inc. | Add +1.4% | 2.12% | +0.25 |
| AXSM Axsome Therapeutics Inc. | New | 0.16% | +0.16 |
| GRVY Gravity Co. Ltd.-Sponsored ADR | New | 0.15% | +0.15 |
| TSLA Tesla Inc. | Add +15.2% | 0.24% | +0.11 |
| AMZN Amazon.com Inc. | Add +9.0% | 0.42% | +0.11 |
| VT Vanguard Tot World STK ETF | Add +3.5% | 0.26% | +0.01 |
| VEU Vanguard Ftse All-World Ex-U | Add +0.3% | 24.31% | −1.23 |
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 |