Koss-Olinger Consulting, LLC

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 20, 2025), Koss-Olinger Consulting, LLC reported 311 stock positions worth $1.2 billion. Its top holding was Schwab US Large-Cap ETF (SCHX) at 19.0% of the portfolio, followed by PIMCO Active Bond Exchange-T (BOND, 5.0%) and JPM Diversified RT Small Cap (JPSE, 4.7%). Compared with Q2 2025, it sold out of 3, added to 10 and reduced 98. The biggest buy was iShares Russell 1000 ETF (IWB, shares +1%) and the biggest sale an exit from SS SPDR P S&P 600 Small Cap (SPSM).

Most Recent 13F
Q2 2026
Location
GAINESVILLE, FL
CIK
0001861163
Portfolio Value
$1.2B (Q3 2025)
SEC Filing
0001861163-25-000012 ↗ filed Oct 20, 2025

Holdings Value

0$500.0M$1.0B$1.5B Q1 2024: $184.9M Q1 2024 Q2 2024: $1.1B Q2 2024 Q3 2024: $1.2B Q3 2024 Q4 2024: $1.1B Q4 2024 Q1 2025: $1.2B Q1 2025 Q2 2025: $1.2B Q2 2025 Q3 2025: $1.2B $1.2B Q3 2025 Q4 2025: $1.3B Q4 2025 Q1 2026: $1.2B Q1 2026 Q2 2026: $1.3B Q2 2026

Holdings 311 stocks · $1.2B
SCHX Schwab US Large-Cap ETF 19.00% 9,414,080 $230.1M Reduce -0.7%
BOND PIMCO Active Bond Exchange-T 5.00% 656,343 $60.5M Reduce -0.5%
JPSE JPM Diversified RT Small Cap filed as J P MORGAN EXCHANGE TRADED F 4.66% 1,240,196 $56.4M Reduce -0.7%
SPMD SS SPDR P S&P 400 Midcap ETF 3.90% 867,326 $47.2M Reduce -0.8%
USHY iShares Broad Usd High Yield 3.74% 1,207,451 $45.3M Reduce -0.4%
BLV Vanguard Long-Term Bond ETF 3.58% 622,673 $43.3M Reduce -0.4%
SPEM State Street SP PTF Em ETF 2.84% 805,116 $34.4M Reduce -0.6%
SPYV SS SPDR P S&P 500 Value ETF 2.83% 655,164 $34.3M Reduce -0.9%
AGG iShares Core U.S. Aggregate 2.72% 332,544 $33.0M Reduce -0.4%
IVE iShares S&P 500 Value ETF 2.54% 157,111 $30.7M Reduce -0.5%
PTLC Pacer Trendpilot US Large Ca 2.42% 578,023 $29.3M Reduce -0.6%
TSLA Tesla Inc. 2.13% 81,183 $25.8M Reduce -0.0%
EFIV SS SPDR S&P 500 ESG ETF 2.00% 414,067 $24.2M No change
GVI iShares Intermediate Governm 1.99% 225,538 $24.1M Reduce -0.4%
HYEM Vaneck Emrg MKTS Hi YLD 1.93% 1,180,372 $23.4M Reduce -0.4%
ISTB iShares Core 1-5 Year Usd Bo 1.87% 466,169 $22.7M Reduce -0.4%
NVDA Nvidia Corp. 1.59% 121,891 $19.3M Reduce -2.1%
IWB iShares Russell 1000 ETF 1.54% 54,806 $18.6M Add +1.3%
IWR iShares Russell Mid-Cap ETF 1.33% 175,580 $16.1M Reduce -0.3%
IVW iShares S&P 500 Growth ETF 1.07% 118,205 $13.0M Add +0.4%
ICF iShares Select U.S. REIT ETF 1.05% 208,420 $12.7M Reduce -0.2%
EFG iShares MSCI Eafe Growth ETF 0.96% 103,957 $11.6M Reduce -0.6%
VWO Vanguard Ftse Emerging Marke 0.85% 209,241 $10.3M Reduce -0.6%
BRK.B Berkshire Hathaway Inc. Class B 0.82% 20,526 $10.0M Reduce -0.2%
IVV iShares Core S&P 500 ETF 0.65% 12,664 $7.9M Reduce -0.2%
MSFT Microsoft Corp. 0.60% 14,509 $7.2M Reduce -3.5%
EFV iShares MSCI Eafe Value ETF 0.53% 100,520 $6.4M No change
VTV Vanguard Mrngstr Val ETF-Aui 0.52% 35,776 $6.3M No change
NUBD Nuveen ESG US Aggregate Bond 0.51% 275,279 $6.1M No change
AMZN Amazon.com Inc. 0.49% 27,047 $5.9M Reduce -3.5%
XJH Ishare ESG SS S&P Midcap ETF 0.46% 135,265 $5.6M No change
GOOG Alphabet Inc. Class C 0.40% 27,192 $4.8M Reduce -4.2%
AAPL Apple Inc. 0.39% 22,933 $4.7M Reduce -5.7%
PYPL PayPal Holdings Inc. 0.38% 62,159 $4.6M Reduce -0.1%
MDYV SS SPDR S&P 400 MC Val ETF 0.37% 56,977 $4.5M Add +0.0%
ROKU Roku Inc. 0.36% 50,000 $4.4M No change
AVGO Broadcom Inc. 0.35% 15,571 $4.3M Reduce -1.9%
META Meta Platforms Inc. Class A 0.35% 5,815 $4.3M Reduce -4.6%
RSP Invesco S&P 500 Equal Weight 0.35% 23,250 $4.2M No change
VOO Vanguard S&P 500 ETF 0.34% 7,233 $4.1M No change
PACB Pacific Biosciences of Calif 0.34% 3,300,000 $4.1M No change
MDYG SS SPDR S&P 400 MC GR ETF 0.34% 46,872 $4.1M Add +0.3%
SPY SS SPDR S&P 500 ETF Trust-US 0.34% 6,578 $4.1M Reduce -0.8%
VSGX Vanguard ESG Intl Stock ETF 0.31% 57,700 $3.8M No change
STIP iShares 0-5 Year Tips Bond E 0.27% 31,435 $3.2M Reduce -1.0%
NKE Nike Inc. Class B 0.25% 42,405 $3.0M Reduce -0.1%
VGSR Vert GLB Sust Re ETF filed as MANAGER DIRECTED PORTFOLIOS 0.24% 281,644 $2.9M No change
XLK SS Technology Select Sector 0.24% 11,602 $2.9M No change
INCY Incyte Corp. 0.24% 42,786 $2.9M Reduce -0.1%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.23% 22,560 $2.8M Reduce -0.4%
PLTR Palantir Technologies Inc. Class A 0.23% 20,173 $2.8M No change
NFLX Netflix Inc. 0.22% 2,001 $2.7M Reduce -0.7%
BUD Anheuser-Busch Inbev-SPN ADR 0.21% 37,096 $2.5M Reduce -0.1%
GSK GSK PLC-Spon ADR 0.21% 65,667 $2.5M Reduce -0.1%
VEEV Veeva Systems Inc. Class A 0.21% 8,686 $2.5M Reduce -0.1%
CGW Invesco S&P Global Water Ind 0.20% 39,541 $2.5M No change
CMCSA Comcast Corp. Class A 0.20% 68,341 $2.4M Reduce -0.1%
VTI VG Morningstar TS MKT ETF-US 0.20% 8,021 $2.4M No change
ESGE iShares Inc. iShares ESG Awar 0.20% 61,391 $2.4M No change
QQQ Invesco QQQ Trust Series 1 0.20% 4,349 $2.4M Reduce -11.3%
HII Huntington Ingalls Industrie 0.20% 9,895 $2.4M Reduce -0.1%
CTVA Corteva Inc. 0.20% 31,672 $2.4M Reduce -0.1%
EMHY iShares J.P. Morgan Em High 0.19% 58,185 $2.3M No change
SCHH Schwab US REIT ETF 0.18% 105,540 $2.2M No change
PAYC Paycom Software Inc. 0.18% 9,489 $2.2M Reduce -0.1%
TSM Taiwan Semiconductor-SP ADR 0.18% 9,645 $2.2M No change
ARKB ARK 21SHARES Bitcoin ETF 0.18% 60,000 $2.1M No change
CRSP Crispr Therapeutics AG 0.17% 42,197 $2.1M No change
FMC FMC Corp. 0.17% 48,320 $2.0M Reduce -0.1%
GILD Gilead Sciences Inc. 0.17% 18,167 $2.0M No change
ST Sensata Technologies Holdplc 0.16% 66,101 $2.0M Reduce -0.1%
TM Toyota Motor Corp. -Spon ADR 0.16% 11,461 $2.0M No change
EL Estee Lauder Companies Class A filed as LAUDER ESTEE COS INC 0.16% 24,398 $2.0M Reduce -0.1%
CATH Global X S&P 500 Ca Val ETF 0.16% 26,017 $2.0M No change
VTIP Vanguard Short-Term Tips 0.16% 38,608 $1.9M No change
NXPI NXP Semiconductors NV 0.16% 8,832 $1.9M Reduce -0.1%
CTSH Cognizant Tech Solutions-A 0.16% 24,615 $1.9M Reduce -0.1%
PFE Pfizer Inc. 0.16% 78,868 $1.9M Reduce -0.1%
SLYG SS SPDR S&P 600 SC GR ETF 0.16% 21,543 $1.9M Add +0.5%
GE General Electric filed as GE AEROSPACE 0.16% 7,410 $1.9M No change
RTO Rentokil Initial PLC-SP ADR 0.15% 77,785 $1.9M Reduce -0.1%
BSV Vanguard Short-Term Bond ETF 0.15% 23,360 $1.8M No change
SPYG SS SPDR P S&P 500 Growth ETF 0.15% 19,065 $1.8M No change
ZBH Zimmer Biomet Holdings Inc. 0.15% 19,818 $1.8M Reduce -0.1%
DVN Devon Energy Corp. 0.14% 54,877 $1.7M Reduce -5.6%
IFF Intl Flavors & Fragrances filed as INTERNATIONAL FLAVORS&FRAGRA 0.14% 23,174 $1.7M Reduce -0.1%
UPS United Parcel Service Class B 0.14% 16,829 $1.7M Reduce -0.1%
LW Lamb Weston Holdings Inc. 0.14% 32,259 $1.7M Reduce -0.1%
CMP Compass Minerals Internation 0.14% 82,978 $1.7M Reduce -0.1%
KHC The Kraft Heinz Co. 0.14% 64,063 $1.7M Reduce -0.1%
PII Polaris Inc. 0.14% 40,610 $1.7M Reduce -0.1%
XSOE Wisdmtree Emerg MKT Ex-St Ow 0.14% 47,864 $1.6M No change
CPB The Campbell's Company 0.13% 52,634 $1.6M Reduce -0.1%
SFST Southern First Bancshares 0.13% 42,397 $1.6M No change
LRCX Lam Research Corp. 0.13% 15,659 $1.5M No change
SCHF Schwab Intl Equity ETF 0.12% 67,731 $1.5M Add +3.5%
IXN iShares Global Tech ETF 0.12% 16,157 $1.5M No change
BABA Alibaba Group Holding-SP ADR 0.12% 13,080 $1.5M Reduce -0.2%
DG Dollar General Corp. 0.12% 12,874 $1.5M Reduce -0.1%
GPN Global Payments Inc. 0.12% 18,311 $1.5M Reduce -0.1%

Show all 311 holdings

Portfolio Sells Q2 2025 → Q3 2025
SPSM SS SPDR P S&P 600 Small Cap Sold out 0.00% −0.03
NVDA Nvidia Corp. Reduce -2.1% 1.59% −0.02
QQQ Invesco QQQ Trust Series 1 Reduce -11.3% 0.20% −0.02
MP MP Materials Corp. Sold out 0.00% −0.02
XOM Exxon Mobil Corp. Reduce -35.0% 0.04% −0.02
AAPL Apple Inc. Reduce -5.7% 0.39% −0.02
PECO Phillips Edison & Company Inc. Sold out 0.00% −0.02
MSFT Microsoft Corp. Reduce -3.5% 0.60% −0.02
GOOG Alphabet Inc. Class C Reduce -4.2% 0.40% −0.01
META Meta Platforms Inc. Class A Reduce -4.6% 0.35% −0.01
AMZN Amazon.com Inc. Reduce -3.5% 0.49% −0.01
SCHX Schwab US Large-Cap ETF Reduce -0.7% 19.00% −0.01
DVN Devon Energy Corp. Reduce -5.6% 0.14% −0.01
SPYV SS SPDR P S&P 500 Value ETF Reduce -0.9% 2.83% −0.01
SPMD SS SPDR P S&P 400 Midcap ETF Reduce -0.8% 3.90% −0.01
WFC Wells Fargo & Co. Reduce -29.4% 0.02% −0.01
RTX RTX Corp. Reduce -20.1% 0.02% −0.01
BAC Bank of America Corp. Reduce -11.2% 0.05% −0.01
IWM iShares Russell 2000 ETF Reduce -22.9% 0.02% −0.01
AVGO Broadcom Inc. Reduce -1.9% 0.35% −0.00
CRM Salesforce Inc. Reduce -8.6% 0.05% −0.00
KO The Coca-Cola Co. Reduce -7.9% 0.05% −0.00
JCI Johnson Controls Internation Reduce -12.3% 0.02% −0.00
CAT Caterpillar Inc. Reduce -3.8% 0.05% −0.00
JPSE JPM Diversified RT Small Cap Reduce -0.7% 4.66% −0.00
TMUS T-Mobile US Inc. Reduce -3.3% 0.04% −0.00
STIP iShares 0-5 Year Tips Bond E Reduce -1.0% 0.27% −0.00
VZ Verizon Communications Inc. Reduce -1.8% 0.07% −0.00
WMT Walmart Inc. Reduce -2.3% 0.04% −0.00
AXP American Express Co. Reduce -2.0% 0.04% −0.00
SPY SS SPDR S&P 500 ETF Trust-US Reduce -0.8% 0.34% −0.00
PEP Pepsico Inc. Reduce -1.3% 0.03% −0.00
NFLX Netflix Inc. Reduce -0.7% 0.22% −0.00
MMM 3M Co. Reduce -0.8% 0.10% −0.00
INTC Intel Corp. Reduce -0.7% 0.04% 0.00
TRU Transunion Reduce -0.4% 0.02% 0.00
IJH iShares Core S&P Midcap ETF Reduce -0.2% 0.06% +0.00
IJR iShares Core S&P Small-Cap E Reduce -0.2% 0.03% +0.00
ALB Albemarle Corp. Reduce -0.2% 0.08% +0.00
AMGN Amgen Inc. Reduce -0.4% 0.10% +0.00
APA Apa Corp. Reduce -0.1% 0.06% +0.00
DEO Diageo PLC-Sponsored ADR Reduce -0.1% 0.07% +0.00
LAC Lithium Americas Corp. Reduce -0.1% 0.07% +0.00
PK Park Hotels & Resorts Inc. Reduce -0.1% 0.06% +0.00
REX Rex American Resources Corp. Reduce -50.0% 0.06% +0.00
SPEM State Street SP PTF Em ETF Reduce -0.6% 2.84% +0.00
SLB SLB Ltd. Reduce -0.1% 0.07% +0.00
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -0.3% 0.09% +0.00
NOC Northrop Grumman Corp. Reduce -0.1% 0.08% +0.00
XYZ Block Inc. Reduce -0.2% 0.08% +0.00

Portfolio Buys Q2 2025 → Q3 2025
IWB iShares Russell 1000 ETF Add +1.3% 1.54% +0.03
IVW iShares S&P 500 Growth ETF Add +0.4% 1.07% +0.01
SCHF Schwab Intl Equity ETF Add +3.5% 0.12% +0.00
SDY SS SPDR S&P Dividend ETF Add +4.4% 0.10% +0.00
XCEM Columbia Em Core Ex-China Add +10.1% 0.04% +0.00
EFA iShares MSCI Eafe ETF Add +6.5% 0.06% +0.00
MDYG SS SPDR S&P 400 MC GR ETF Add +0.3% 0.34% +0.00
MDYV SS SPDR S&P 400 MC Val ETF Add +0.0% 0.37% +0.00
QVMT Invesco S&P 500 Concentrated Add +1.4% 0.11% +0.00
SLYG SS SPDR S&P 600 SC GR ETF Add +0.5% 0.16% +0.00

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 172$1.3BSCHX, ACWX, BOND, SPMD, AGG
Q1 2026 254$1.2BSCHX, BOND, AGG, ACWX, SPMD
Q4 2025 269$1.3BSCHX, BOND, AGG, JPSE, USHY
Q3 2025 311$1.2BSCHX, BOND, JPSE, SPMD, USHY
Q2 2025 314$1.2BSCHX, BOND, JPSE, SPMD, USHY
Q1 2025 307$1.2BSCHX, BOND, JPSE, USHY, BLV
Q4 2024 185$1.1BSCHX, BOND, JPSE, USHY, BLV
Q3 2024 276$1.2BSCHX, JPSE, BLV, USHY, SPMD
Q2 2024 267$1.1BSCHX, IVE, JPSE, BLV, TSLA
Q1 2024 46$184.9MMSFT, AIG, APH, AMZN, MA