GEN Financial Management, INC.
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 15, 2025), GEN Financial Management, INC. reported 44 stock positions worth $116.0 million. Its top holding was Vanguard Dividend Apprec ETF (VIG) at 16.8% of the portfolio, followed by Schwab US Large-Cap ETF (SCHX, 16.3%) and Vanguard Int Div App Indx FD (VIGI, 15.5%). Compared with Q2 2025, it opened 1 new position, sold out of 1, added to 8 and reduced 25. The biggest buy was Vanguard Ultra Short Bond Et (VUSB, shares +21%) and the biggest sale Vanguard Int Div App Indx FD (VIGI, shares −10%).
- Most Recent 13F
- Q2 2026
- Location
- PLYMOUTH, MN
- CIK
- 0002032497
- Portfolio Value
- $116.0M (Q3 2025)
- SEC Filing
- 0002032497-25-000006 ↗ filed Oct 15, 2025
Holdings Value
Holdings 44 stocks · $116.0M
| VIG Vanguard Dividend Apprec ETF | 16.78% | 90,080 | $19.5M | Reduce -10.4% |
| SCHX Schwab US Large-Cap ETF | 16.34% | 719,332 | $18.9M | Reduce -11.1% |
| VIGI Vanguard Int Div App Indx FD | 15.54% | 201,290 | $18.0M | Reduce -9.6% |
| COWZ Pacer US Cash Cows 100 ETF | 9.87% | 199,182 | $11.4M | Reduce -11.2% |
| VGSH Vanguard Short-Term Treasury | 9.80% | 193,066 | $11.4M | Reduce -12.4% |
| SLYG SS SPDR S&P 600 SC GR ETF | 2.41% | 29,647 | $2.8M | Reduce -7.4% |
| BND Vanguard Total Bond Market | 1.99% | 31,047 | $2.3M | Add +0.6% |
| VOOG Vanguard S&P 500 Growth ETF | 1.73% | 4,613 | $2.0M | No change |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.67% | 38,620 | $1.9M | Reduce -27.4% |
| DFLV Dim US Large Cap Value ETF | 1.64% | 57,757 | $1.9M | Reduce -4.8% |
| VUSB Vanguard Ultra Short Bond Et | 1.62% | 37,654 | $1.9M | Add +21.2% |
| MDYG SS SPDR S&P 400 MC GR ETF | 1.59% | 20,090 | $1.8M | Reduce -4.5% |
| DFIS Dimensional International SM | 1.54% | 56,567 | $1.8M | Reduce -5.5% |
| DFIC Dimensional International Co. | 1.50% | 53,015 | $1.7M | Reduce -3.3% |
| IVV iShares Core S&P 500 ETF | 1.14% | 1,967 | $1.3M | No change |
| DUHP Dimensional US High Profi Et | 0.98% | 30,153 | $1.1M | Reduce -3.3% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.98% | 2,260 | $1.1M | Reduce -15.7% |
| DFCF Dimensional Core Fixed Inc. | 0.88% | 23,951 | $1.0M | Reduce -3.1% |
| VT Vanguard Tot World STK ETF | 0.88% | 7,421 | $1.0M | Reduce -15.3% |
| DFSV Dimensional US Small Cap Val | 0.87% | 31,589 | $1.0M | Reduce -3.4% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.86% | 3,221 | $993K | No change |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.75% | 2,908 | $865K | Add +0.8% |
| SDY SS SPDR S&P Dividend ETF | 0.73% | 6,017 | $843K | Add +0.1% |
| IVW iShares S&P 500 Growth ETF | 0.68% | 6,569 | $793K | Reduce -3.0% |
| MSFT Microsoft Corp. | 0.65% | 1,460 | $756K | Add +3.7% |
| AOA iShares Core 80/20 Aggressiv | 0.61% | 8,009 | $706K | Add +1.3% |
| VWO Vanguard Ftse Emerging Marke | 0.59% | 12,526 | $679K | Reduce -8.8% |
| ITOT iShares Core S&P Total U.S. | 0.52% | 4,137 | $603K | No change |
| AVUV Avantis US Small Cap Value | 0.47% | 5,419 | $539K | Reduce -2.8% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.43% | 1,948 | $496K | Reduce -12.4% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.42% | 1,640 | $482K | No change |
| IVE iShares S&P 500 Value ETF | 0.41% | 2,294 | $474K | No change |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.36% | 868 | $416K | Reduce -6.4% |
| VNQ Vanguard Real Estate ETF | 0.34% | 4,323 | $395K | Add +8.9% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.31% | 6,751 | $358K | Reduce -2.9% |
| PNR Pentair PLC | 0.31% | 3,220 | $357K | No change |
| HON Honeywell International Inc. | 0.28% | 1,541 | $324K | No change |
| AAPL Apple Inc. | 0.27% | 1,245 | $317K | Add +0.3% |
| IGF iShares Global Infrastructur | 0.26% | 4,899 | $299K | Reduce -9.8% |
| CVX Chevron Corp. | 0.26% | 1,925 | $299K | New |
| DISV Dimensional International SM | 0.25% | 8,278 | $295K | Reduce -13.1% |
| ACWI iShares MSCI Acwi ETF | 0.21% | 1,788 | $247K | No change |
| AOR iShares Core 60/40 Balanced | 0.20% | 3,522 | $227K | Reduce -37.8% |
| VFL Abrdn National Municipal Inc. | 0.12% | 13,324 | $137K | No change |
Portfolio Sells Q2 2025 → Q3 2025
| VIGI Vanguard Int Div App Indx FD | Reduce -9.6% | 15.54% | −0.86 |
| VGSH Vanguard Short-Term Treasury | Reduce -12.4% | 9.80% | −0.80 |
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -27.4% | 1.67% | −0.47 |
| COWZ Pacer US Cash Cows 100 ETF | Reduce -11.2% | 9.87% | −0.24 |
| UNH Unitedhealth Group Inc. | Sold out | 0.00% | −0.20 |
| AOR iShares Core 60/40 Balanced | Reduce -37.8% | 0.20% | −0.09 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -15.7% | 0.98% | −0.09 |
| VIG Vanguard Dividend Apprec ETF | Reduce -10.4% | 16.78% | −0.07 |
| VT Vanguard Tot World STK ETF | Reduce -15.3% | 0.88% | −0.04 |
| IGF iShares Global Infrastructur | Reduce -9.8% | 0.26% | −0.00 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -12.4% | 0.43% | −0.00 |
| DISV Dimensional International SM | Reduce -13.1% | 0.25% | −0.00 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -2.9% | 0.31% | +0.01 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -6.4% | 0.36% | +0.03 |
| DFCF Dimensional Core Fixed Inc. | Reduce -3.1% | 0.88% | +0.03 |
| VWO Vanguard Ftse Emerging Marke | Reduce -8.8% | 0.59% | +0.03 |
| AVUV Avantis US Small Cap Value | Reduce -2.8% | 0.47% | +0.05 |
| IVW iShares S&P 500 Growth ETF | Reduce -3.0% | 0.68% | +0.07 |
| DUHP Dimensional US High Profi Et | Reduce -3.3% | 0.98% | +0.07 |
| DFSV Dimensional US Small Cap Val | Reduce -3.4% | 0.87% | +0.08 |
| DFIS Dimensional International SM | Reduce -5.5% | 1.54% | +0.08 |
| SLYG SS SPDR S&P 600 SC GR ETF | Reduce -7.4% | 2.41% | +0.09 |
| MDYG SS SPDR S&P 400 MC GR ETF | Reduce -4.5% | 1.59% | +0.09 |
| DFLV Dim US Large Cap Value ETF | Reduce -4.8% | 1.64% | +0.10 |
| DFIC Dimensional International Co. | Reduce -3.3% | 1.50% | +0.11 |
| SCHX Schwab US Large-Cap ETF | Reduce -11.1% | 16.34% | +0.17 |
Portfolio Buys Q2 2025 → Q3 2025
| VUSB Vanguard Ultra Short Bond Et | Add +21.2% | 1.62% | +0.36 |
| CVX Chevron Corp. | New | 0.26% | +0.26 |
| BND Vanguard Total Bond Market | Add +0.6% | 1.99% | +0.13 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Add +0.8% | 0.75% | +0.09 |
| MSFT Microsoft Corp. | Add +3.7% | 0.65% | +0.08 |
| AOA iShares Core 80/20 Aggressiv | Add +1.3% | 0.61% | +0.07 |
| AAPL Apple Inc. | Add +0.3% | 0.27% | +0.07 |
| SDY SS SPDR S&P Dividend ETF | Add +0.1% | 0.73% | +0.06 |
| VNQ Vanguard Real Estate ETF | Add +8.9% | 0.34% | +0.05 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 41 | $165.9M | SCHX, VIG, VIGI, FSMD, VGSH |
| Q1 2026 | 51 | $161.5M | VIG, SCHX, VIGI, FSMD, VGSH |
| Q4 2025 | 47 | $158.8M | VIG, SCHX, VIGI, VGSH, FSMD |
| Q3 2025 | 44 | $116.0M | VIG, SCHX, VIGI, COWZ, VGSH |
| Q2 2025 | 44 | $122.3M | VIG, VIGI, SCHX, VGSH, COWZ |
| Q1 2025 | 51 | $147.6M | VIG, VIGI, SCHX, VGSH, COWZ |
| Q4 2024 | 56 | $154.1M | VIG, SCHX, VIGI, VGSH, COWZ |