GEN Financial Management, INC.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 15, 2026), GEN Financial Management, INC. reported 47 stock positions worth $158.8 million. Its top holding was Vanguard Dividend Apprec ETF (VIG) at 15.7% of the portfolio, followed by Schwab US Large-Cap ETF (SCHX, 15.2%) and Vanguard Int Div App Indx FD (VIGI, 11.4%). Compared with Q3 2025, it opened 5 new positions, sold out of 2, added to 22 and reduced 13. The biggest buy was a new position in Fidelity Small-Mid Multifact (FSMD) and the biggest sale Vanguard Int Div App Indx FD (VIGI, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- PLYMOUTH, MN
- CIK
- 0002032497
- Portfolio Value
- $158.8M (Q4 2025)
- SEC Filing
- 0002032497-26-000001 ↗ filed Jan 15, 2026
Holdings Value
Holdings 47 stocks · $158.8M
| VIG Vanguard Dividend Apprec ETF | 15.70% | 113,422 | $24.9M | Add +25.9% |
| SCHX Schwab US Large-Cap ETF | 15.18% | 895,830 | $24.1M | Add +24.5% |
| VIGI Vanguard Int Div App Indx FD | 11.42% | 198,291 | $18.1M | Reduce -1.5% |
| VGSH Vanguard Short-Term Treasury | 8.59% | 232,259 | $13.6M | Add +20.3% |
| FSMD Fidelity Small-Mid Multifact | 8.30% | 298,664 | $13.2M | New |
| COWZ Pacer US Cash Cows 100 ETF | 7.71% | 202,860 | $12.3M | Add +1.9% |
| DFIS Dimensional International SM | 6.36% | 306,628 | $10.1M | Add +442.1% |
| VCRB Vanguard Core Bond ETF | 5.03% | 102,641 | $8.0M | New |
| SLYG SS SPDR S&P 600 SC GR ETF | 1.73% | 29,113 | $2.7M | Reduce -1.8% |
| BND Vanguard Total Bond Market | 1.45% | 31,094 | $2.3M | Add +0.1% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.29% | 40,842 | $2.1M | Add +5.8% |
| VOOG Vanguard S&P 500 Growth ETF | 1.28% | 4,576 | $2.0M | Reduce -0.8% |
| DFLV Dim US Large Cap Value ETF | 1.25% | 57,839 | $2.0M | Add +0.1% |
| MDYG SS SPDR S&P 400 MC GR ETF | 1.21% | 20,812 | $1.9M | Add +3.6% |
| DFIC Dimensional International Co. | 1.15% | 52,933 | $1.8M | Reduce -0.1% |
| IVV iShares Core S&P 500 ETF | 0.81% | 1,868 | $1.3M | Reduce -5.0% |
| DUHP Dimensional US High Profi Et | 0.72% | 30,198 | $1.1M | Add +0.1% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.72% | 2,263 | $1.1M | Add +0.1% |
| VT Vanguard Tot World STK ETF | 0.67% | 7,503 | $1.1M | Add +1.1% |
| DFSV Dimensional US Small Cap Val | 0.65% | 31,567 | $1.0M | Reduce -0.1% |
| DFCF Dimensional Core Fixed Inc. | 0.64% | 23,968 | $1.0M | Add +0.1% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.58% | 2,904 | $914K | Reduce -9.8% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.55% | 2,909 | $879K | Add +0.0% |
| AOA iShares Core 80/20 Aggressiv | 0.55% | 9,714 | $870K | Add +21.3% |
| SDY SS SPDR S&P Dividend ETF | 0.54% | 6,163 | $858K | Add +2.4% |
| IVW iShares S&P 500 Growth ETF | 0.51% | 6,535 | $806K | Reduce -0.5% |
| MSFT Microsoft Corp. | 0.46% | 1,511 | $731K | Add +3.5% |
| AVMC Avantis US Mid Cap Eq ETF | 0.45% | 10,108 | $714K | New |
| VWO Vanguard Ftse Emerging Marke | 0.42% | 12,472 | $670K | Reduce -0.4% |
| VBIL Vanguard 0-3M T-Bill ETF | 0.39% | 8,168 | $616K | New |
| ITOT iShares Core S&P Total U.S. | 0.39% | 4,137 | $615K | No change |
| IVE iShares S&P 500 Value ETF | 0.31% | 2,294 | $486K | No change |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.29% | 1,640 | $458K | No change |
| AVUV Avantis US Small Cap Value | 0.27% | 4,188 | $427K | Reduce -22.7% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.27% | 865 | $422K | Reduce -0.3% |
| VNQ Vanguard Real Estate ETF | 0.24% | 4,221 | $374K | Reduce -2.4% |
| AAPL Apple Inc. | 0.23% | 1,334 | $363K | Add +7.2% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.22% | 6,751 | $357K | No change |
| PNR Pentair PLC | 0.21% | 3,225 | $336K | Add +0.2% |
| DISV Dimensional International SM | 0.20% | 8,278 | $315K | No change |
| HON Honeywell International Inc. | 0.19% | 1,550 | $302K | Add +0.6% |
| IGF iShares Global Infrastructur | 0.19% | 4,907 | $301K | Add +0.2% |
| CVX Chevron Corp. | 0.18% | 1,902 | $290K | Reduce -1.2% |
| ACWI iShares MSCI Acwi ETF | 0.16% | 1,788 | $253K | No change |
| AOR iShares Core 60/40 Balanced | 0.15% | 3,556 | $231K | Add +1.0% |
| AVGO Broadcom Inc. | 0.14% | 650 | $225K | New |
| VFL Abrdn National Municipal Inc. | 0.09% | 13,324 | $137K | No change |
Portfolio Sells Q3 2025 → Q4 2025
| VIGI Vanguard Int Div App Indx FD | Reduce -1.5% | 11.42% | −4.13 |
| VUSB Vanguard Ultra Short Bond Et | Sold out | 0.00% | −1.62 |
| SLYG SS SPDR S&P 600 SC GR ETF | Reduce -1.8% | 1.73% | −0.68 |
| VOOG Vanguard S&P 500 Growth ETF | Reduce -0.8% | 1.28% | −0.45 |
| VB Vanguard Most SM-Cap ETF-Usd | Sold out | 0.00% | −0.43 |
| DFIC Dimensional International Co. | Reduce -0.1% | 1.15% | −0.35 |
| IVV iShares Core S&P 500 ETF | Reduce -5.0% | 0.81% | −0.33 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -9.8% | 0.58% | −0.28 |
| DFSV Dimensional US Small Cap Val | Reduce -0.1% | 0.65% | −0.21 |
| AVUV Avantis US Small Cap Value | Reduce -22.7% | 0.27% | −0.20 |
| IVW iShares S&P 500 Growth ETF | Reduce -0.5% | 0.51% | −0.18 |
| VWO Vanguard Ftse Emerging Marke | Reduce -0.4% | 0.42% | −0.16 |
| VNQ Vanguard Real Estate ETF | Reduce -2.4% | 0.24% | −0.11 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -0.3% | 0.27% | −0.09 |
| CVX Chevron Corp. | Reduce -1.2% | 0.18% | −0.08 |
Portfolio Buys Q3 2025 → Q4 2025
| FSMD Fidelity Small-Mid Multifact | New | 8.30% | +8.30 |
| VCRB Vanguard Core Bond ETF | New | 5.03% | +5.03 |
| DFIS Dimensional International SM | Add +442.1% | 6.36% | +4.82 |
| AVMC Avantis US Mid Cap Eq ETF | New | 0.45% | +0.45 |
| VBIL Vanguard 0-3M T-Bill ETF | New | 0.39% | +0.39 |
| AVGO Broadcom Inc. | New | 0.14% | +0.14 |
| AAPL Apple Inc. | Add +7.2% | 0.23% | −0.04 |
| AOR iShares Core 60/40 Balanced | Add +1.0% | 0.15% | −0.05 |
| AOA iShares Core 80/20 Aggressiv | Add +21.3% | 0.55% | −0.06 |
| IGF iShares Global Infrastructur | Add +0.2% | 0.19% | −0.07 |
| HON Honeywell International Inc. | Add +0.6% | 0.19% | −0.09 |
| PNR Pentair PLC | Add +0.2% | 0.21% | −0.10 |
| SDY SS SPDR S&P Dividend ETF | Add +2.4% | 0.54% | −0.19 |
| MSFT Microsoft Corp. | Add +3.5% | 0.46% | −0.19 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Add +0.0% | 0.55% | −0.19 |
| VT Vanguard Tot World STK ETF | Add +1.1% | 0.67% | −0.22 |
| DFCF Dimensional Core Fixed Inc. | Add +0.1% | 0.64% | −0.24 |
| DUHP Dimensional US High Profi Et | Add +0.1% | 0.72% | −0.26 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +0.1% | 0.72% | −0.26 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +5.8% | 1.29% | −0.37 |
| MDYG SS SPDR S&P 400 MC GR ETF | Add +3.6% | 1.21% | −0.37 |
| DFLV Dim US Large Cap Value ETF | Add +0.1% | 1.25% | −0.39 |
| BND Vanguard Total Bond Market | Add +0.1% | 1.45% | −0.54 |
| VIG Vanguard Dividend Apprec ETF | Add +25.9% | 15.70% | −1.08 |
| SCHX Schwab US Large-Cap ETF | Add +24.5% | 15.18% | −1.16 |
| VGSH Vanguard Short-Term Treasury | Add +20.3% | 8.59% | −1.21 |
| COWZ Pacer US Cash Cows 100 ETF | Add +1.9% | 7.71% | −2.16 |
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 |